And I would never advocate a credit card if you can just save the money. THe item you purchase will cost you a lot more in the end. If you purchased a $1,000 radio at even 10% interest (doing a simple interest loan), you would pay $1,107.48. So, that $1000 radio now cost you an additional $107.48. I calculated that for a 24-month term. I know it is tempting to decide buying that new radio is worth the little bit of interest; however, that is assuming you can be discipline enough to always make that payment. I realize this is not a financial list, but I understand the desire to get something you really want and how hard it is to wait. I can appreciate what it is like to have difficulty "making ends meet" and having the money to do what you want.
These experiences have taught me to evaluate what I really want and what I need. Then I see if I can do with just what I need with the goal of eventually assembling the funds to get what I want. :)

On Jul 20, 2012, at 4:15 PM, John Miller <[log in to unmask]> wrote:

> No store lets you do payments, the only way you can do that is use a credit 
> card and make payments to that, even buying used, no one does payments if 
> they're smart.
> ----- Original Message ----- 
> From: "Harry Brown" <[log in to unmask]>
> To: <[log in to unmask]>
> Sent: Friday, July 20, 2012 2:48 PM
> Subject: if you want to buy ham equipment, you better have the bucks in 
> hand!
> 
> 
>> Hi folks,
>> Well, as you all know, I'm in the market for hf equipment.
>> I called ham radio outlet, very nice folks, really they are!
>> However, if you want to buy ham stuff from them at least, you better =
>> have the money on hand, they don't do paiments.
>> I can understand that,=20
>> It doesn't mean that I won't ever buy from ham radio outlet,
>> but I'm gonna have to save up in order to buy it.
>> at least my ham friend, here in the building, has his 570, and he lets =
>> me operate it.
>> Just wanted to let everyone know about ham radio places and how to buy =
>> equipment.
>> 73,
>> Trippy, ac8s