Like many I'm sure, I send a lot of people to Sweetwater. Their print catalog has a drool-worthy selection & the website is fast & intuitive. They also have free phone & e-mail tech support for all the products they sell which is often a lot easier to access than the manufacturer's support.Sweetwater often offers deals such as 90 days same as cash, 12 months same as cash, a credit card & other financing. These are a great way to get stuff you want without the cash up front and I use mine like a revolving account. A quick phone call & "put it on my bill" is all it takes (great when you're traveling).
However, like most of these deals the devil is in the details and a late payment or extension beyond the terms can land you some huge (& backdated) interest payments (<25%). Neither the website or monthly statements advertise it but you can track, schedule & make online payments through GE Finance which is a much easier way to keep track of your account. Setting up online is a fairly painless process similar to any credit card and once in, any Sweetwater charges can be viewed & paid.
I plan to cover more financing tools further in the weeks ahead. Look for an upcoming piece on the pros & cons of leasing.
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