Microsoft's new Surface Membership is an unbelievably bad deal

[Raoul Duke]

It is getting sad to see these clikbait stories now all the time. Where its more important to get clicks from sensationalist headlines on a poorly structured story. Businesses are not charities, for Microsoft or anybody to put up billions of dollars worth of stock and backup resources, of cause you have to pay. This is a BUSINESS plan and even if you were an individual who use one of these devices for work, you can claim them off your tax. The net result is business or individuals who claim these as a legitimate business expense, actually only pays half its original cost, the rest is tax write off. Please stop these nonsensical articles and childish responses about ripoff. I depreciate my Surface PC and Phone off my tax over three years and end up paying a pittance for them because I use them for work.

Well, well, IF it is click-bait, you were sure all over it.
Lots of dollars involved, but you don't care because you can claim them on your tax, you say you pay a pittance for them, so it seems the tax payer, or in other words, the rest of us that can't claim are getting ripped off since we pay our tax and appear to be subsidizing you. Maybe that Surface PC and Phone should be 100% use for work or you pay tax

 

[tuuurd]

The majority of people are used to 20% interest, would expect a biz to get a better rate but if you're desperate maybe this deal with the added Support gets your biz where it needs to be.





QUOTE="Bao Nguyen, post: 1546137, member: 356848"]

This is like literally anything where you arent paying for it entirely up front. Of course its a bad deal...so is car payments, phone leasing, and everything else, but its all alot of people can afford. why are you acting like its only microsoft trying to rip people off?

Do a little bit more calculation and you'll see the author is correct, MS interest rate is over 20%, for the same amount of $220.99 per month I could have bought a car up to $12-15000 value with fixed interest rate. Even Apple give 0% interest repayment (6, 12, 24 months) buying on their store, so MS is certainly a rip off.

But it's not like you can't buy the Surface products somewhere else with 0% repayment with retailers though.[/QUOTE]

 

[Bao Nguyen]

The majority of people are used to 20% interest, would expect a biz to get a better rate but if you're desperate maybe this deal with the added Support gets your biz where it needs to be.





QUOTE="Bao Nguyen, post: 1546137, member: 356848"]

Do a little bit more calculation and you'll see the author is correct, MS interest rate is over 20%, for the same amount of $220.99 per month I could have bought a car up to $12-15000 value with fixed interest rate. Even Apple give 0% interest repayment (6, 12, 24 months) buying on their store, so MS is certainly a rip off.

But it's not like you can't buy the Surface products somewhere else with 0% repayment with retailers though.

[/QUOTE]

Um, if you have a business with 20% return on your investment then I would want to learn from you because that would be crazy good. What make you think 20% interest rate is normal? If you think that's normal then by all mean, please let me know if you or your business need money, I will be gladly loan you some. Those who think 20% are normal probably are those who constantly in credit card debt lol.

 

[Uncle Al]

Very doubtful that Apple could or even would want to dominate the entire PC market. They had their opportunity before and decided to stay within their niche, which has served them well. Early on there were a number of PC OS makers and we could well see Microsoft broken up into smaller pieces. As with anything else, if there is opportunity there will certainly be plenty of investors and creators that will step up to fill the void.

 

[Raoul Duke]

Um, if you have a business with 20% return on your investment then I would want to learn from you because that would be crazy good. What make you think 20% interest rate is normal? If you think that's normal then by all mean, please let me know if you or your business need money, I will be gladly loan you some. Those who think 20% are normal probably are those who constantly in credit card debt lol.

My dad who has dealt with the same bank for about 40 years, paid off two mortgages, car loans, never missed a payment etc, can't get less than 29.x% on his credit card or a break on bank fees. Nice reward for those customers that made your bank a success.
It's not even news anymore when banks declare yet another record Quarter over the previous year. The same banks we find out that caused the banking crisis, took huge money from the government, all the while their top execs took home 6 figure incomes with bonus, and didn't have to pay the money back.
Yes, I'm a little 'cheesed off' when the financial sector is the leading segment of the economy seemingly does little except help themselves to more money with dubious practices, often at the cost of the low end investor, often including things like pensions for teachers, public service that thought they were investing safely, but their investment was sold, again sold...and ends up in something high risk and they get the letter one day telling them they are lucky to get any return. Meanwhile all along that chain there were a lot of people who profited.

 

[HugsNotDrugs]

There are often tax advantages to leasing the equipment.

By offering this program, MS will make more money and so will business customers. Good program.

 

[SirGCal]

My dad who has dealt with the same bank for about 40 years, paid off two mortgages, car loans, never missed a payment etc, can't get less than 29.x% on his credit card or a break on bank fees. Nice reward for those customers that made your bank a success.

Your dad needs to find a better bank... My credit is nice but not stellar and I have some 7.9% cards. I cancel them if they go above 15% (one of the popular cards tried to do that, dropped them). I also haven't paid a bank fee since I was a kid. Get a better account that treats it's people better. So many banks have no fees if you direct deposit or have enough balance or a myriad of other possibilities. Do NOT stick with a bank that doesn't treat you well. Drop them like a bad habit and find someone better.