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  1. #1

    Default LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4


    SINCE DAGHAN MAN ANG NAGMINARUNONG DIRI PARA NAKO, I-PM LANG KO PALIHUG. ANG AKO GIPANGITA IS GADGET SHOP NA WILLING SA AKO TERM.

    i am looking for a true blue LAY AWAY:

    1. TERMS: 3 months to 4 months
    2. the least interest rate
    3. straight cash payments ; no downpayment
    4. walai kuti sa requirements (point: di man kuhaon ang item so why would the seller make it hard for me? ako pa gani agrabyado ug kabado kai akong end muhatag kwarta samtang ang seller wai ihatag kung di RESIBO na O.R., di ko musgot ug dili O.R. ang ihatag.)
    5. SHOP LANG SA MALL (kai daghan kaayo nagminarunong diri na kabalo sila what is best for me.)


    as far as i know, ang terms sa LAYAWAY is ang BUYER will pay for the item in CASH, pero di pa niya makuha ang item.

    so i hope naa tai musugot na seller diri na LEGITIMATE na layaway. di man gud madala ug straight cash. naai credit card ang mu finance pero foreign na credit card.

    i hope naai mkatabang nako. this is a legitimate inquiry. desidido ko mukuha. will not backout and will diligently pay.
    Last edited by likyam; 12-08-2012 at 03:53 AM.

  2. #2

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    hey i have an iphone4 black 16 gig i can sell you the item with lay away terms but i cannot give you the phone until you pay fully text me if your interested at 09228001122

  3. #3

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    ask lng ko bro. ngano e lay away man nimo ang gadgets? i mean dili ba safer if imo lang e pundo imu cash until maka palit ka diritsu? also if it takes 8 months, atleast mu barato na ang unit by then + maka interest paka sa imu e deposit kaysa mag lay away ka ron kay fixed price + bayad paka interest pajud sa lay away.

    sa ako pag sabot, lay away is only good for unique/appreciating items like jewelries or lands. gadgets are definitely the opposite. they are common and continuously depreciating.
    Last edited by andersonl; 12-03-2012 at 10:06 AM.

  4. #4

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    Quote Originally Posted by andersonl View Post
    ask lng ko bro. ngano e lay away man nimo ang gadgets? i mean dili ba safer if imo lang e pundo imu cash until maka palit ka diritsu? also if it takes 8 months, atleast mu barato na ang unit by then + maka interest paka sa imu e deposit kaysa mag lay away ka ron kay fixed price + bayad paka interest pajud sa lay away.

    sa ako pag sabot, lay away is only good for unique/appreciating items like jewelries or lands. gadgets are definitely the opposite. they are common and continuously depreciating.
    mao tama gyud.. mo barato na imo unit gi lay-away plus naa na'y bag-o unit so ma outdated na imo gitiguman.. hehehe! better magtigom nlng ka ts..

  5. #5

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    Quote Originally Posted by Ronzkie23 View Post
    mao tama gyud.. mo barato na imo unit gi lay-away plus naa na'y bag-o unit so ma outdated na imo gitiguman.. hehehe! better magtigom nlng ka ts..
    mao lagi... sampol ha...
    22k nga Samsung S3
    Imu lay away vs. tigom.(8 months)

    lay away: P22,000 + interest pay ka 5% of base payment, total P23,100 gasto
    tigom: after 8 months, P19,000 nalang ang S3. P4,100 difference sa imu lay away. ~20% savings ha.

    cons:
    - mas mahal + interest pa
    - tanggong imo kwarta sa seller
    - patyon kas depreciation sa gadget
    - makuha ang item after na ma completo bayad

    nganong mag lay away paman sa gadgets??
    you just have to diligently save. put it in a bank account.
    Last edited by andersonl; 12-03-2012 at 01:57 PM.

  6. #6

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    agree. might be sa sige nimo tigum mo barato na ang Galaxy Note 2..... hehehe

  7. #7

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    TS: agree jud ko sa mga pips nga nag post... but ug mag lay away jud ka, sulayi sa green k duol na sa sykes asia... or kang fellow istoryan b@bydoll basin mo accept siya...

  8. #8

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    bitaw sa. di man gud kaya sa ako financer ang straight cash.

    ani man gud ni. akong kwarta iya gihulaman. nya karon ako gamiton to buy gadget. dako ako pondo sa iya kaso tagi tagi ang pagbayad. may lang sad ug way gasto kada bulan sa kaon ug utilities ba mao di mapugngan ang gipadala niya magasto ra nako. that's why ako unta ipalit ug gadget. para at least may tangible investment.

    nahulog man gud na ako ganahan 8 months is gamay ra ang huluganan. but it doesnt mean na hutdon ang 8 months nako ug bayad. gi flex lang nako ang number of payments into 8 months para likay imbargo sa item. daghan naman gud maro ron na layaway schemes na ug di mabayran kai ma forfeit ang kwarta in favor of the seller.

    lisod man gud na ug i term ug 3 months tapos taas pa kaayo kag bayran kai either wa kapadala dayon, delatar ang remittance. tried to tell na credit card iya gamit kaso dili valid iya card for purchase kai foreign worker man siya. dili sugot iya bank
    Last edited by likyam; 12-04-2012 at 02:46 AM.

  9. #9

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    so you're saying you would rather:
    - pay more total
    - leave your money to a stranger
    - take the risk of forfeiture
    - take the risk of theft

    than just:
    - pay less total
    - take the money from your financer(bahalag tagi2x)
    - leave your money in a safe place(bank) every month
    - have no risk


    forgive me lng but let me just be blunt and say.. that's totally stupid.

    Quote Originally Posted by likyam View Post
    bitaw sa. di man gud kaya sa ako financer ang straight cash.

    ani man gud ni. akong kwarta iya gihulaman. nya karon ako gamiton to buy gadget. dako ako pondo sa iya kaso tagi tagi ang pagbayad. may lang sad ug way gasto kada bulan sa kaon ug utilities ba mao di mapugngan ang gipadala niya magasto ra nako. that's why ako unta ipalit ug gadget. para at least may tangible investment.

    nahulog man gud na ako ganahan 8 months is gamay ra ang huluganan. but it doesnt mean na hutdon ang 8 months nako ug bayad. gi flex lang nako ang number of payments into 8 months para likay imbargo sa item. daghan naman gud maro ron na layaway schemes na ug di mabayran kai ma forfeit ang kwarta in favor of the seller.

    lisod man gud na ug i term ug 3 months tapos taas pa kaayo kag bayran kai either wa kapadala dayon, delatar ang remittance. tried to tell na credit card iya gamit kaso dili valid iya card for purchase kai foreign worker man siya. dili sugot iya bank
    Last edited by andersonl; 12-04-2012 at 11:05 AM.

  10. #10

    Default Re: LAY AWAY GADGETS: PREFERABLY iPAD MINI OR iPHONE 4

    yeah correct sila TS, might as well tigum nalang, wala ta kahibaw by the time ma full payment nimo grabe na kabarato ang item w/c is devastating... but its hes decision man if he want the item nga inana pag bayad, naa rana niya, we should espect pud ang TS.

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