Comment on Is there an extensive guide on how to protect kids on the internet?

• phdepressed@sh.itjust.works ⁨3⁩ ⁨weeks⁩ ago

  There’s a lot of “services” like Klarna where you buy now for payments split over several months. At first glance these often seem ok but they’re essentially loans with credit card interest rates.

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  • dubyakay@lemmy.ca ⁨3⁩ ⁨weeks⁩ ago

    If the BNPL offer comes with 0% interest and you pay with debit, or a credit card that you always pay off timely, I don’t see how it can be such a bad thing. Spending your money immediately, especially with the inflation accounted for, a fix $50 over twelve or twenty-four months means you actually came out ahead theoretically, since your money went further.

    The only catch here is of course that vendors will price their goods accordingly, where BNPL or loans will be the only way to afford their goods.

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    • DrunkenPirate@feddit.org ⁨3⁩ ⁨weeks⁩ ago

      I issue with subscriptions and pay later schemes is, that you loose sight of what you have paid, will pay next weeks/ months and what amount of money you still have left.

      Taking inflation into account for anything that is below 100k and over more than 5 years, is just ridiculous, to day it in plain words, sry.

      In short you live day to day with your money without any planning if you let your cash flow out by itself (subscriptions, loans)

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  • VintageGenious@sh.itjust.works ⁨3⁩ ⁨weeks⁩ ago

    Thanks

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• 0x0@programming.dev ⁨3⁩ ⁨weeks⁩ ago

  netiquette

  Net etiquette, be friendly, don’t ask stupid questions, etc…

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