We talking credit card stuff? Wait a minute, are they retiring credit cards soon?

Consider how small businesses operate. They usually do it via loans. It's a matter of opportunity cost and risk factor. Yes, you can do it risk free, and spend only the disposable income. Or you can take interest-free loan, saving your disposable income as a self-guarantee. I.e. if i have $1000 stashed, and I have an option to borrow $1000 for 0% for a year, as long as i don't spend that stashed $1000, your risk is way lower than just straight-borrowing $1000 without backing

 

Always pay using the bank's money if you can.  Probably the only time where you'd want to carry a balance.

Consider how small businesses operate. They usually do it via loans. It's a matter of opportunity cost and risk factor. Yes, you can do it risk free, and spend only the disposable income. Or you can take interest-free loan, saving your disposable income as a self-guarantee. I.e. if i have $1000 stashed, and I have an option to borrow $1000 for 0% for a year, as long as i don't spend that stashed $1000, your risk is way lower than just straight-borrowing $1000 without backing

That`s true, but it isn`t superior/better than to have that $1000 as your disposable income. Sure you`de need to generate, and loans do have many vital uses in terms of small business and start ups. I`m not knocking them, that would be stupid and invalid, I`m just saying that if you do borrow $1000 at 0%, you`ve got to pay it back in the time frame. If you buy $1000 worth of an investment, your investment needs to net you more than $1000 for it to be worth while. If you break even you`ve wasted your time, if you`re under you are screw after that 1 year period. Choosing between borrowing money to invest (i.e. using credit) or using my disposable income, I`m going with the latter every time. 

 

I've gotten into the habit of paying credit cards as soon as a charge shows up, easier to manage cash and you don't have any nasty surprises at the end of the month.  The only reason I charge anything is because of cashback and other perks... make the cards work for you instead of being a slave to their ridiculous interest rates.

That`s smart! I try and do the same thing in terms of paying the card off immediately, that way it`s more of a cash purchase in that I`ve taken it directly from my funds, not getting it later to pay off. It just works really well, and I don`t have to worry at the end of the month about a bill. Online banking works wonders. 

We talking credit card stuff? Wait a minute, are they retiring credit cards soon?

It's all Bold's fault... :-)

I think everyone should borrow to their limits - maybe that way there will be less competition next year  

Focus. You must learn FOCUS.

 

 

back on topic.

 

Lego 21050 Architecture studio.

 

Arch Studio currently:

 

Lego LEGO Shop at Home - Temp out of stock, cannot add to bag

Currently Unavailable on Target.com

Sold out on Amazon, but says more in stock on May 15th, can add to bag

Sold out on Toys R Us.com

Sold out on FAO .com

 

Thoughts?

 

... if you`re under you are screw after that 1 year period. ...

They still have them 0% APR balance transfer offers with $0 transaction fee. 

But yeah, going under is not part of the plan of course

I am not sure small businesses is the best way to back your point, since around 80% of them fail And, ironically, part of that reason is they do not generate enough juice to cover the loan + interest when the collector comes knocking.

Focus. You must learn FOCUS.

 

 

back on topic.

 

Lego 21050 Architecture studio.

 

Arch Studio currently:

 

Lego LEGO Shop at Home - Temp out of stock, cannot add to bag

Currently Unavailable on Target.com

Sold out on Amazon, but says more in stock on May 15th, can add to bag

Sold out on Toys R Us.com

Sold out on FAO .com

 

Thoughts?

I made it easier for you: "Sold out on Amazon"   (they had only 1 available for backorder)

I made it easier for you: "Sold out on Amazon"   (they had only 1 available for backorder)

 

aha, i did not notice that. Well played

I am not sure small businesses is the best way to back your point, since around 80% of them fail And, ironically, part of that reason is they do not generate enough juice to cover the loan + interest when the collector comes knocking.

I thought people flock to Lego speculation mostly for the reason that, anecdotally, you can make at least 30% annually adjusted (buy low current christmas season, sell high next christmas season). So, 0% APR for 18 months is a reasonable choice for people who do assume the above

So..what's retiring soon?

So..what's retiring soon?

Probably SSD, GE and R2D2 ? Maybe CUUSOO Rovers too :-)

The (2) 10225 I picked up this morning might work out well then.

 

Thank you brickpicker and original OP for showing us how to consistently get 10xxx in our Today's Deal section!

There are R2d2s lets?

Great news on the Death Star!!!! 

Great news on the Death Star!!!!

A year later and no signs of retirement... har har.

Great news on the Death Star!!!! 

What is the link saying? I cannot open it here at work. Thanks in advance.

What is the link saying? I cannot open it here at work. Thanks in advance.

 

The Brick Show from a year ago saying DS will retire

Thanks. Offcourse it is retiring. Did they say when?

They said it would be replaced by the Ewok Village.......which of course didn't happen.

 

To be fair, many thought this.

They said it would be replaced by the Ewok Village.......which of course didn't happen.

To be fair, many thought this.

Yep. I wasn't making fun of Jason he is a good guy! Just being funny.

Does anyone have any thoughts when Tower Bridge may be retiring and/or what the next Exclusives landmark may be? I don't have Tower Bridge but I want to use some of my VIP points to get one for my personal collection. Thanks in advance!

I am wondering about that too. I have send an email to lego with an idea for the next landmark. I would love to have the pyramids with the Sphynx or the Arc de Triomphe. I thought a couple of weeks ago the TB would retire soon. Now I am not so sure anymore.

Does anyone have any thoughts when Tower Bridge may be retiring and/or what the next Exclusives landmark may be? I don't have Tower Bridge but I want to use some of my VIP points to get one for my personal collection. Thanks in advance!

 

I am wondering about that too. I have send an email to lego with an idea for the next landmark. I would love to have the pyramids with the Sphynx or the Arc de Triomphe. I thought a couple of weeks ago the TB would retire soon. Now I am not so sure anymore.

The next landmark is Sydney Opera House and looking at the current trend we probably won't see another one for at least 2 years.