Hi, I’d like to apply for a mortgage. No, just a kid’s mortgage, thanks.
If kid’s mortgage is the one your kids continue to pay after your death, then I’m sure we’ll see it soon.
The screenshot shown references nothing about a payment plan or a 69% APR. What am I missing?
All of the “buy now pay later” or pay in installment schemes/apps popping up, supposedly they are popular but I don’t get it, it is just a worse credit card.
With credit cards you’d have to pay in full next month or pay interest. Here the installment plans go to to 3 or 6 months without interest.
You also don’t need to own a credit card so no need to pay that monthly fee.
The longer time to pay makes sense but the cards I have dont charge me for having them, I know availability of cards may vary though, some people might not have decent card options, I guess it makes sense.
Probably varies by country. My gold card was something like 5 euros a month which isn’t a whole lot, but it’s still money for something that only serves to make it way too easy to take on debt and has little other value.
Not all of them are without interest. In fact, the ones you’ll find the most are quite usurious.
They’re all interest free in my country, but if you need a longer period, you can get an installment plan that has an interest rate comparable to a credit card.
The lack is itself a reference to how many times OP has 69d (zero)
Kids items have been cheaper as long as I can remember. I guarantee a restaurant you’ve been to has had two identical items at different prices, or things that are cheaper and you get more of the thing. The only thing modern about this is taking a screenshot of your cart.
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“It’s to-go, my kid loves the food here”
the empty house that OP lives alone in
Millennials can’t afford houses because they’re buying adult meals instead of child meals? I knew it!
And this is the innocuous form of it. Places who don’t serve children often are generally happy to make their profits off of adults and worry less about income from the odd child (especially Starbucks).
If you want to see real tiered pricing, look at all the fast food apps. The purpose of those is to extract as much money from you as possible. Those who don’t want to deal with them pay double, and they don’t lose much business from those who refuse because they’re often willing to use the apps.
Switch Kids out for Wedding and triple the price.
Eh, I have similar feelings, but there is a reason for the wedding price increase. As a florist once told me, there’s a reasonable amount of ‘oops’ that can happen with a regular customer, and they’re often accommodating. Only 11 roses came to the door on valentine’s day, but they ordered 12? An apology and a discount is often more than enough to make the customer happy. If a bride doesn’t get a perfect flower arrangement, it’s already too late.
Extend that to the other sorts of merchants you’ll be dealing with at a wedding, and look at the cost increase as buying super, ahead-of-time insurance to ensure that everything is perfect. For something like the cake or photos, that means you have to dedicate more time or resources than usual to make sure absolutely nothing goes wrong (enough to notice). Two photographers instead of the single photographer for a corporate shindig, three cakes baked just in case one of them turns out slightly flat, that sort of thing.
That kind of thing I get. It’s the corporate mass produced side where they literally just repackage the same product and mark up the price that’s objectionable.
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It’s innovative because it applies evolutionary pressure by making sure that dumb people falling for such simple scams will be too poor to survive and reproduce /s
Payment plan please, 69 month term.
Nice.
goes bankrupt
I’ll take the 69, you can keep the loan. 😏
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