I need to get a MacBook pro on a some sort of scheme where I can pay it off over time. I can't find any solutions can anyone inform me on any such scheme?
MacBook Pro Purchase or Rental for Immediate Use on Centrelink
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@DiscoJango, not a like for like comparison. Way off the mark.
are you the OP? You seem to defend him way more than the OP does himself. Without going to nitty gritty details, you need to expect a wide range of responses when you put up a forum post. This is internet, not one of those politically correct trigger-safe spaces! If somebody is being nasty to you (in general, not directed specifically at you/OP), learn to walk it off! People are nasty, we have to learn to deal with it, nobody's gonna lay out a trigger-free rose bed for us to walk, the sooner we learn this, the better off we are!
@enzioFirenze: I am the OP. The majority of the people who have responded have really just given me sarcasm,grief and nothing that answers the question. If this is a reflection of their objectives on here. I won't be asking for any more advice.
@Djbrooklyn: The general tone of the thread is: If you're on welfare, a student, and your main source of income is "DJ'ing" - don't spend money you don't have on what's really a hobby. Go wait tables, work at Coles or Woolies, etc, as an actual stable source of income. Save up money, and spend THAT money on you hobby.
I'm going to paraphrase my reply to someone else here, because I think it'd be more useful directed at you:
Your basis premise seems to be:
DJ'ing is your main source of income,
You need a Macbook Pro to do your DJ'ing.
Both are flawed. First: DJ'ing is a hobby, it should not be your primary or main source of income unless you have regular (PAID) gigs. And if you had those, you would have money to replace your laptop. Second: You don't need a Macbook Pro to DJ if you were actually a good DJ. Until you get to that point though, work on your DJ'ing skills (as a hobby, not a job because if it doesn't even pay for the equipment you need to DJ, it's certainly not a job) and don't spend money you don't have.
@Djbrooklyn: Ignoring the sarcastic replies, the vast majority did give you sound advice (in their opinion) it was just not the advice you were hoping for.
You asked how to achieve a specific solution to your problem (get money for Macbook Pro). Most replies were essentially "your solution is wrong, solve it a cheaper way", or "I don't think you're in a position to do that" with other words and ideas thrown in for kicks. These are not the replies you wanted since your heart is set on getting the new Macbook Pro. I get this, we all love toys, it's what we do. But you asked for opinions in a public forum you need to expect the full gamut of responses and perhaps even try to understand all sides of the "argument".
@0blivion:They are assumptions. People no nothing about my whole situation.
Ppl should jusst stick to answering the question and nothing else needed to be said. End of story!
@Djbrooklyn: sorry man, we're not here to serve you. We owe you nothing and we're not going to do what you say.
@enzioFirenze You know I'm not the OP. Your answer suggests I’m not so why ask the question? Sure I understand there's going to be a range of responses. Actually this place does need to be a safe space otherwise it will degrade into something harmful instead of focusing on bargains. My responses are analytical, non judgemental, they are reasonable. I'll defend whoever I want thank you. If I think the language of the discussion is heading in a poor direction, I'll speak up. There won't be any ambiguity in my comments or replies. People who are posting rubbish and ridicule can "shut it up", I certainly wont be "walking off" the nastiness that is directed to me or anyone as you suggest. I certainly won't be passive and learn to deal with it either. Make harsh criticisms or put downs and not focus on the question, well expect a response from me. I'll keep it real and very direct. Want to advocate and encourage nonsense conversation then go start a new thread called 'Insults and pointless mutterings’.
@0blivion: Your understanding of the questioner's situation is flawed. Sick troll. Seek out help. You're not reading or listening to the questioner. Your relentless aggravation and stalking of the questioner is very poor form.
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@iDroid: The "advice" is flawed. The " full gamut of responses" are assumptions and ignorance. Mostly trolls here making assumptions and putting down the questioner. There's nothing to understand about trash commentary. Only a handful of comments discuss some alternatives and offer different ideas that are on topic. Comments telling the questioner to get a job are completely off topic. This questioner has work.
@Qwertyasdfg: You're hand picking a few comments there.. The vast majority of non sarcastic responses are not trash commentary.
I agree that the "get a job" and sarcastic comments are of little value and needlessly attack OP, but the remainder of the comments are either in support or are (rightfully) stating that the "need" for a new Macbook Pro is either a "want" or there is some significant information missing. OP has clarified and justified why he believes he "needs" a new Macbook Pro and the vast majority of negative comments are attacking that very fact - the need for a Macbook Pro is either false or overstate. There are (subjectively) better options that will cost less.
I think that's sound advice.
In a public forum if you attempt to justify something that does not match reality, expect to be told. It's a discussion after all. We're only replying to the information we're being given.
@iDroid: A vast majority of the commentary is rubbish here. And then there are the comments that offer genuine suggestions that might or might not help.
The questioner says they NEED a MacBook. All they are asking here is how to obtain one efficiently and in their circumstances. Everyone projecting their own needs onto the questioner miss the point of the questioner's opening question.
No actually the Westpac IB post is almost an exact analogue - the OP in that thread said he "needed" a flashy car too to make a good impression with coworkers and customers to help his work too. Same way OP "needs" a Macbook Pro.
Hint: Neither of them needed either.
It has nothing to do with prestige. I don't need to impress anyone. It is the machines capabilities over another.
@Djbrooklyn: In that case my estimation of your competence in your chosen field of DJ'ing falls even further and I feel more confident that you shouldn't be pursuing that as your main source of income as opposed to just a hobby. Because as I, and others here with more DJ'ing experience, are telling you, You. Don't. Need. A. Macbook Pro. To. DJ.
@0blivion: I want it to dj/ produce( plugs ins etc) and do photography editing also. It is a hobby and not going to be my main source of income!!I never said it was going to be. This is why I would prefer the Macbook.I have been so since 1992 and quite good thanks.
"It is a hobby"
Near-universal rule of thumb: Don't borrow money to spend on anything that won't make you more money. So things like: Don't borrow money to buy depreciating assets like cars. Don't borrow money to buy non-essentials. And in this case, don't borrow money to buy things for your hobby.
@0blivion: That is called depreciation and that is life. My choice if I want to borrow money. Happiness is the most important thing in life not money imo.
@Djbrooklyn: Good god.
"That is called depreciation and that is life."
No, there are appreciating assets. Like property.
"Happiness is the most important thing in life not money imo."
Oh good, you can report back on how happy you are when you're broke.
@0blivion: Stupid comment. Some of the happiest ppl in the world have great faith and are rich in soul not money. No joke there are appreciating assets.
@Djbrooklyn: Let me clarify this?
You're on Centrelink and you want to feed your hobby with a loan and welfare payments?
You've got your priorities all wrong…
@0blivion: Out too earlier. Go back to jail, criminal. Go troll there. (See I can make assumptions too.)
Mate if we everyone chose what they wanted to do everyone would quit their job the next day.
If you need welfare to buy things you - actually no, just "branded" things - then you just come off as entitled. Plenty of people can not do this, and are sensible enough not to even try. Beggars can't be choosers.I also doubt you need this particular equipment much like supposed photographers who need a FF DSLR to be a professional (it reads a lot like that misconception that's for sure!).
@0blivion Troll making wild assumptions and putting down the questioner. Nothing new. Can't do much else apparently.
@0blivion: Put downs and more stupidity from a serial troll. Get outside, see the sun and breathe in some fresh air. It will do you some good. Put your listening ears on while you're there. It's not a hobby. The individual is a professional dj and photographer with years of experience.
@dufflover: Just because the questioner is on welfare doesn't mean they need to shop the bargain bin. You don't get to decide how other people spend their welfare and disability payments. Everyone contributes via tax to those payments, even the person receiving those payments contributes those taxes into the system through every day purchases and work.
It's completely senseless of people to not try and do what it really is they want to do and pursue their career passions. In fact, I'd go so far as to say, each person in this country should receive a basic income so they can choose what they want to do. There's enough cash in the economy to do it. It certainly doesn't prevent people from working hard and seeking success, while at the same time, it acts to prevent people from falling into poverty during hardship, or receiving ridicule or put downs for receiving welfare. There's an interesting experiment at the moment on "unconditional basic income". And if it works out well, it could be transformative in some really important ways.
https://99percentinvisible.org/episode/the-finnish-experimen…@Qwertyasdfg: Stop looking at a Macbook screen and you might actually see plenty of alternate equipment, or second hand Mac gear works fine. People have given plenty of alternative suggestions too.
I think you guys are the ones who need the reality check.
Shopping the bargain bin is not a put down, it's actually a genuinely good tip (and how appropriate being the OzBargain site) to make your dollar go further. Heck my old 4 year old laptop broke cos of a dodgy bios chip; instead of forking out for a whole new one which would've needed about $3k to get approx equal specs … bloody Intel and lack of progress I bought a second hand motherboard for about $200, swapped it in, re-used the rest of the parts and it's as up and going on.
If you want to fork out for the flashy gear so be it, but like an nice BMW don't expect it to make a nick of difference to your success.
@dufflover: The mindset of shop the bargain bin is a BS response and helps no one. The questioner will not be able to achieve their goals with trash equipment. They want something new and reliable. They want a replacement MacBook. Nothing second hand or something refurbished they have zero history of the abuse and neglect. Getting something cheap and nasty will be more trouble than its worth. They aren't asking for a BMW so it's a ridiculous argument to make that comparison. This is not about "flashy equipment". It's about making a purchase that fits the needs of the questioner. All they want to know is how to obtain one in their circumstances. I've done PC. I've done Mac. And Mac have been 100% the better choice hands down. (Plus they run Windows so there's that added benefit.)
That mixtape better be fire.
My 32GB Lenovo S100 perfectly accesses the Centrelink website……
Even my basic Moto G4 does as well.Only an Apple Mac Pro will do it - HA!
You've missed the entire point of the question.
great troll OP
The OP is not a troll. Read the OP's responses to get a clear understanding of their circumstances and need for a replacement device.
You can apply for an interest free loan from Centrelink. Max limit is $500 I think though.
Maybe get an older model for now and then when you make enough money, upgrade then? It might not give you the best performance but will do the job fine for now. Seek to improve efficiency only when you can afford to, which is not now.Took til Page 3 to get the first real answer in this thread!
Never change OzBargain
I suggest you get the $500 advance centrelink payment and buy this:
https://webshop.cashconverters.com.au/item/2949338/apple-mac…$600 and comes with 3 month warranty.
Best wishes for a better future and speedy recovery @Djbrooklyn. You've got heart, kid. This will help you stand out from the cold ones.
Thank You! I have a good heart and just wish people just stuck to answer question! I will defend myself until the end though.
Speedy recovery from?
You have not read the whole thread then don't comment.
have you tried those "no deposit 48 months interest free" deals from the major retailers? not sure if they will approve it if you are on Centerlink though
if you have a credit card, I guess maybe afterpay?
neither is a good idea IMHO but all the best
I am done. I have had some great replies from my FIRST post. Thanks to those who have helped me. No thanks to those who tried to ripped out my soul. Chow.
Common sense. I hear you!
Brilliant, though I fear it whooshed over OP.
No it has not.
@Djbrooklyn: In that case, you understand he's not-so-subtly telling you that you should learn the difference between a "want" (the Macbook Pro you want in this case), and a "need" (what you think the Macbook Pro is), right?
Look, you sound like pretty young, being a student and on centrelink and seeing DJ'ing as a potential career choice and all. Not to mention you very idealistic notions of happiness > money. Believe me, as you grow older, you'll realize that money and happiness aren't mutually exclusive and it's not a dichotomy. Financial security and independence make up a HUGE part of happiness and life satisfaction, especially when you start thinking about things like starting a family and buying a house.
Part of the path to financial security and independence though, is good financial habits, which include things like knowing when to spend and when not to, and what you need to spend on and what you don't need to spend on. Borrowing money you don't have to fund a hobby is something you need to learn to not do. Now's as great a time to learn that as any.
@0blivion: I am 42. I know I need a MacBook. I am not studing at the moment although I may be soon and have done lots of study before. I don't have a family and won't be having one in the future. I won't be purchasing a house. This may produce an income as a bonus in the future. I am not on the dole.(ON disability Pension) I know what happiness and income I can acquire in the future if I need it. My MacBook is dead and I need a simple way of paying it back instead of just going into my savings because I may need them for my health issues. I have been djing since 1992. I know life's ups and downs more than most…get it got it great! I spelt it out.
@0blivion: So many assumptions, where to begin…
Financial security should be a basic right, that's why a basic income for everyone is what's required.
http://www.npr.org/sections/money/2017/09/22/552850245/episo…
But financial security, which helps people from entering poverty, doesn't lead to happiness. Life satisfaction and happiness comes from other sources apart from wealth.
I need to get a MacBook pro
centerlink first world problems…… Maybe get a job?
Maybe there are reason why I cannot work!!!!!!!!!. Maybe think before posting.
Can you please tell us your situation?
We cannot help you unless we know the facts.
By the way, how old are you?
42
You already have a computer, you said you had an older macbook and seem to be posting on here just fine!
So do tell us then, why can't you get a job and how this NEW computer will change that?
Or are you claiming 'disability' and you can't work? if so, then a life on centerlink will mean lots of waiting and saving for things. One of the cons of 'free money'.
See above post. I am posting from a phone. My computer is totally dead.I am i n hospital as we speak.
@Djbrooklyn: Savings are savings for when you hit bumps in the road. So use your savings to replace your dead macbook, and then 'pay back' your savings the money as you would if you got some purchase payment plan.
@JimmyF: Hence my post. I need to keep my savings for my health treatments etc. Therefore I was looking for other options. HENCE my post.My health has been effected by this shit on the forum so I need to go far away from this crap however I have to stand up for myself.
@Djbrooklyn: Well I'm confused, you say you're on centerlink, but have savings, but still want a payment plan, but can't understand why this isn't happening.
Sorry, as most have said, you'll struggle to get approved. So use your savings, which is what they are for and put the money back in that you would have paid into the payment plan.
@Djbrooklyn: Then you'll need to wait and save up for your new macbook, like the rest of us working people do.
@JimmyF: You've missed the point. The questioner wants to find the best and most efficient way to obtain a MacBook Pro for replacement and future work. They are wanting to determine the best way to smooth the payments over time. They aren't looking for a free handout. The questioner does work. The questioner doesn't need to wait.
The questioner does work.
You might want to read the title then…. cough Centrelink
They are wanting to determine the best way to smooth the payments over time
Maybe wait and GASP save up!?
They aren't looking for a free handout
Well the tax payer is paying for this in the end….. But I never said anything about them getting a handout. I said that being on Centrelink payments and looking for a $2k+ macbook 'loan' is going to be hard.
OP has savings, but don't want to use it.
OP doesn't want to save up
OP can't get a loan
¯\_(ツ)_/¯
@JimmyF: The questioner works as a DJ and photographer and is currently in hospital.
The tax payer also includes the questioner who also pays taxes.FYI You don't get to decide how other people spend their welfare and disability payments. Everyone contributes via tax to those payments, even the person receiving those payments contributes those taxes into the system through everyday GST purchases and their work income.
The questioner wants to smooth the payments, not avoid paying. The questioner wants to avoid a bank loan that attracts ridiculous interest. There are other ways to approach this problem.
The questioner has come across NILS loans which sounds useful for the situation.
http://nils.com.au
http://goodshepherdmicrofinance.org.au
https://salvos.org.au/need-help/financial-assistance/nils/
https://www.vinnies.org.au/page/Find_Help/QLD/Finances/No_In…Either help with a credible solution or refrain from typing anything.
After 6 months claiming a Centrelink benefit you can claim severe financial hardship from your superannuation fund to pay for essential expenses.
You can ask for at least $1,000 and up to $10,000. I found it quite easy to claim.
Already done that. I have totally thought this through. I will be using one suggestion I have received end of story!
So this is why I am totally pissed off with the sly remarks and have now spelt it all out to prove myself on this forum.
If you have done your research fully you should already know the answer!
Explain yrself a bit more? How old is she? You already known my age. Am Other?
Please give me your interpretation of either side of the situation.What issue's am I going to face? You already know how Long I have been djn for.
Why ask her management for a laptop if I am not her?!
Let me put the questions back on to you. I have fully exclosed myself already. I bet you wont answer.
Wow, your sarcasm/humour radar is so broken.
Do yourself a favour, log out of Ozbargain and go to sleep. You're falling for every single bait.
@Ughhh You're actively encouraging baiting and trolling by not condemning it. Sick troll. Seek out help. You're not reading or listening to the questioner. Your support of relentless aggravation and stalking the questioner is very poor form.
Wow, I don't see you condemning ISIS , so you must be a sick terrorist troll who needs help. The assumptions and accusations you're making… You're basically describing yourself.
You're obviously very very upset. Looks like this thread is basically your life right now. If calling everyone sick trolls makes you not so sad and makes you happy, then go ahead. Unlike you, I don't actually care what internet strangers think of me. Perhaps there's a professional who can help you control your emotions. Also maybe another professional to help you with identifying sarcasm.
Also, your copying and pasting is very poor form and unoriginal.
Oh yes, and I’m the Queen of England! /s
She is 28, you’re 42. This was only evident after trawling through your comments. You’re trying to mislead others by using such a username and claiming you’re a DJ, right?
If you are impersonating a real DJ that can clearly afford a new laptop, MacBook or otherwise, her management team might just very well find this thread as something that defames her character.
If you don’t ask, you won’t know.
Some of you people are just plain psychotic. You love to hunt in packs. Did you all get your thrills?
Bullies…some of them have been telling me I have no intelligence yet they reply with so much valid help….Not….
LolIndeed. Maybe it's best to message Admin and ask for your post to be removed? Just a thought. All the best.
Agreed. The relentless aggravation and stalking of the questioner is very sick. Many people encouraging and actively participating in this behaviour need to seek help.
https://www.beyondblue.org.au
https://www.acorn.gov.au/learn-about-cybercrime/cyber-bullyi…
http://www.stoponlineabuse.org.ukIt's important for those of us with more sense to speak out against this sort of disgusting behaviour. I remember a time when people were helpful and kind. People who read the nastiness and stayed silent also have a lot to answer for. Additionally, Admin has a responsibility to ensure it's members feel safe (surely there's a legal precedent and obligation). OP is clearly experiencing a serious health issue and has expressed distress at the onslaught they have received. I noticed you did your best to reason with some of the instigators and lapdogs. Sadly, trying to be diplomatic with the likes of them falls outside their little bubbles and is often pointless but I commend you for trying.
Agreed and thanks. I've been pretty surprised at the responses.
Unfortunately all the repayment offers and rental contracts are scams designed to take advantage of people. Some of the T&Cs are horrendous. Best to save sorry pal.
Ok. Again if you have read the whole thread you will find out this is not true for my situation.
Afterpay is the only repayment method I trust.
Whatever you do, DON'T EVER trust what the sales people say about Flexirent or other similar services.
You'll end up paying twice as much for the unit and you don't get to keep it at the end of the contract period.Never trust anyone.
damn op, everyone is hatin on you, i hope you manage to find a way to get the laptop, good luck.
It really has affected me too. People can be so cruel.I totally understand how people feel when they are subjected to online bullying now.
I will get the laptop for sure.@Djbrooklyn Try not to let the hateful and judgmental comments affect you. A lot of those negative and disparaging comments are done for entertainment by those engaging in it. It's a sick way to be entertained, but some people here can't help engaging in the practice. Just take the helpful comments you've found here and use them to your advantage. Also hit "Report" on those comments that are abusive, low blows and off topic. Off topic comments should be removed.
Good luck with the new MacBook too! The added main benefit of MacBook is that you could also run Windows on it if you needed to. Either way, it's certainly going to be beneficial for your future work including the DJing, photography and studies if you choose to pursue that as well. I'm glad you're taking as stand to pursue your interests.
This just feels like clickbait
It's not clickbait.
Do you need the latest model or ok with previous gen?
Myer might have some ex-demo Mac Book Pro that are selling at a discounted price.
I saw a few in the Chadstone Myer store if you do not mind second hand.Put a bloody SSD in it mate! This thread has been very silly!
OK, the OP has received enough advice to move forward. Comments closed.
Only if it provides a high yield ;)