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Eric O'Reilly

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Jun 16, 2013
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Revere Mass
I really want to place an order for layaway for a brand new bfr axis( without badge) and have never bought a brand new high end guitar, and would like to know if I could choose certain options, like a more figured neck( birds eye) i would love to own a brand new bfr axis! I could make monthly payments, is there any info or help i could use for ordering, any suggestions? This would be my first ebmm! And i am exited, even though it be over a year before it would be paid for. Any help with ordering or tips would be nice thanks guys.
 

Tollywood

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Mar 23, 2011
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Rhode Island
Sweetwater has a great sale going on right now, and also has extended financing options too. Maybe look into that?

Good call. I recently did that with no money down and zero interest for two years (as long as you pay it off within the two years). I worked with Lindsey Becker and she custom ordered my Koa Luke. She was very nice, and when it was damaged in shipping she was with me every step of the way for the repair. Her email address is:

[email protected]
 

DrewH

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May 23, 2012
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226
Financing a guitar is a bad idea....Very bad. The road to long term financial ruin often starts with financing luxury items.
 

gregmusi

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Mar 27, 2012
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Pittsburgh, PA
be careful... most of these "zero financing" deals are bad. You usually still have to make regular monthly payments. You miss one payment, then you owe interest all the way back to the beginning. Read the fine print very carefully
 

DrewH

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May 23, 2012
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226
It's not really financing with no interest. They are giving you a free loan for 2 years.

If it shows up in the liabilities portion of your credit report, its "financing", regardless of interest rate or not. Anything that shows on your credit report does have implications down the road. Maybe that home loan is a half percentage point higher because you purchased 2 high priced guitars on credit...and then THAT has further implications even farther down the road. That is why one should only finance things like cars and houses, and those should be paid off as soon as possible.

Regarding the comment about "tools" being financed, I own a business....a successful one at that. The key the surviving and thriving in business is to NOT use credit unless absolutely necessary.
 

Tollywood

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be careful... most of these "zero financing" deals are bad. You usually still have to make regular monthly payments. You miss one payment, then you owe interest all the way back to the beginning. Read the fine print very carefully

This is true. In fact, if I paid the monthly payment that they suggest, it would not be paid off within the two years. I've been sending double payments, so I should have mine paid off in 16 months. However, when you overpay, they lower the next month's suggested monthly payment. They are DYING to get us to go beyond the 24 months so they can whack us with the full two years of interest. So, you have to stay on top of it in order to avoid paying the interest.
 

ozzyrules

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Dec 31, 2010
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Southeast Louisiana
Open a 2nd savings account and stash $100/month. Don't tell the wife. Before you know it, you'll have enough $ stashed away to buy your dream EBMM. Works for me.


Sent from my iPad using Tapatalk
 

Tollywood

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Mar 23, 2011
Messages
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Rhode Island
Open a 2nd savings account and stash $100/month. Don't tell the wife. Before you know it, you'll have enough $ stashed away to buy your dream EBMM. Works for me.

I am going to rat you out!!!

Just kidding...I do the same thing, except on a smaller $$ scale. Every time I go to the ATM, I take an extra $20. I put the $20 in a safe spot where Wendy can't see them accumulating. Next thing I know (months later) I have a pile of $20's and I am ready for my next item.
 

ozzyrules

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Dec 31, 2010
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Southeast Louisiana
I am going to rat you out!!!

Just kidding...I do the same thing, except on a smaller $$ scale. Every time I go to the ATM, I take an extra $20. I put the $20 in a safe spot where Wendy can't see them accumulating. Next thing I know (months later) I have a pile of $20's and I am ready for my next item.

Hand over those 20's!!!!!!!


Sent from my iPad using Tapatalk
 

Kenji20022

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Jun 19, 2011
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270
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Deerfield Beach, Florida, United States
It's not really financing with no interest. They are giving you a free loan for 2 years.

It is actually, you just have to be responsible about it.

be careful... most of these "zero financing" deals are bad. You usually still have to make regular monthly payments. You miss one payment, then you owe interest all the way back to the beginning. Read the fine print very carefully

Of course, I've never seen a 0% Interest offer that didn't have that attached to it. There's various ways to work around that including automatic payments, planning your schedule so you remind yourself to make payments on time. Set alarms/timers on your phone to help remind you to do these things.

If you don't hold up your end of the deal in an offer like that, then they're in their right to uphold the contract you agreed to when you signed up for the financing. I've financed things several times over the past 3 years and I paid it all off no problem, I don't finance anything unless I have the cash ready to go for the thing I'm looking to get anyways. No surprises later, and I pay days or a week ahead of time because that shows responsibility and helps boost your credit.

The deal isn't bad, lack of understanding and responsibility lead to the consequences the person signed up for willingly.
 

Eric O'Reilly

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Jun 16, 2013
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968
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Revere Mass
Im scared of the financing thing, i was thinking more of a lay a way type deal, where i put $100 a month down and when its paid off i get my axis bfr crazy birds eye sick quilt! Bryan was telling me that GC will do just that long as i make some sort of payment steadily. But i still don't know how much $ am i looking at for a brand new axis bfr quilt? $1800 -$2500?
 

Benji Peterson

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May 2, 2011
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840
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Joplin, MO
Jonathan, unforeseen circumstances outside your careful planning can occur that could have the potential to compromise the promises you'd made. This has happened to me before with respect to non-refundable deposits. Fortunately for those that backed out of a deal, I was easy to work with and didn't institute my "right to uphold the contract you agreed to". I'd doubt Sweetwater would be so forgiving or understanding. As many here have insinuated, the idea is to keep you from paying it off within two years, thus maximizing the potential earnings on their end. Financing can work and sometimes, oftentimes, it doesn't. I'd be suspect of any contractual obligation that makes use of an extended period of time, an extended period of time in which anything could happen. Finance companies have all the money. Ever wonder why?


It is actually, you just have to be responsible about it.



Of course, I've never seen a 0% Interest offer that didn't have that attached to it. There's various ways to work around that including automatic payments, planning your schedule so you remind yourself to make payments on time. Set alarms/timers on your phone to help remind you to do these things.

If you don't hold up your end of the deal in an offer like that, then they're in their right to uphold the contract you agreed to when you signed up for the financing. I've financed things several times over the past 3 years and I paid it all off no problem, I don't finance anything unless I have the cash ready to go for the thing I'm looking to get anyways. No surprises later, and I pay days or a week ahead of time because that shows responsibility and helps boost your credit.

The deal isn't bad, lack of understanding and responsibility lead to the consequences the person signed up for willingly.
 

Eric O'Reilly

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Jun 16, 2013
Messages
968
Location
Revere Mass
Do the bfr's still have the mother of pearl dot inlays or could i get regular black dots if i wanted? Although i kinda like the mother of pearl. And i like that the badge is gone, some people love it but i think that i like it better with just the neckplate.
 

ErnieJohn

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Dec 24, 2011
Messages
530
Location
Ireland
save your money and buy it when you have the full amount, you will get a better deal with cash and probably get it sooner too, just my 2c, ;)
 

gregmusi

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Mar 27, 2012
Messages
87
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Pittsburgh, PA
start socking some money away each month now. You just know Music Man will do some other cool PDN run in the future
 
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