Friday, January 12, 2007

2000 Watt Inverter Schmatic Diagrams

Consumer credit: a social evil or aid to families?

Taken from my other blog, political: Club Tiberino

For once I want to treat a subject light, away from the tragedy of war. In order to draw the moral of the story, which is not a small story but did absolutely true. I refrain from naming names and last names because I do not want to hit people, but lambast unfair trade practices. The story under the heading of protection of consumers. There are associations specific times in order, but it's nothing compared to widespread misconduct in the Italian trade system, where the poor Italian consumer pay the same things and the same services more expensive than in other European countries. The fact is fairly well known and if This is often referred. Bersani with his famous decree and its "liberalization" was intended to affect the industry.

The fact then. I had an old TV Grundig purchased about twenty years ago. I decided to replace him for reasons of age, and operation. My choice for several months had focused on a Samsung 26-inch TV, which is five inches longer than my old Grundig glorious. This week, returning from Calabria, where I brought the old Grundig, I decide to buy programs. To my amazement I find that at a lower price had just left a Samsung 27-inch at a lower cost to boot. The old model was offered in a major shopping street Marconi at a discounted rate but still higher than the new 27-inch model, which had the same technical characteristics of the 26 "but with an inch more. At first torn between the two models I inquire to the young clerk, clerk to the television department. He told me that 26 inches was more robust and would be more lasted over time. The resolution, like the sound and the same, but the strength was greater. I am led to believe that anyone who sells a product has at least some knowledge of what sells. Wrong. Meanwhile, the first problem was the match in centimeters of an inch. For the young clerk had an inch and a half. I knew 2.54 cm, but I wanted to give credit the seller of the sale. Return home to look up and read a Garzantine 2.54 cm. Back to the clerk and the mean response of the Encyclopedia. Does not admit of being made an error of ignorance and so almost Solomonic it suggests that the Encyclopedia is wrong or that there are other correspondences between inches and centimeters, so if you are an inch and a half, two or three or five. If ignorance is, I verified that is shared by the Chief, who declined to respond to expressed eplicita question: how many inches is an inch? Not answer the question, and subtract. Shall purchase, considering that 26 "was now an obsolete product that came out of produzuione replaced by model 27 ". I paid 15 € wondered why I was all brought home. Since there was no requirement for installation and commissioning of the device, I had to wait a couple of days, the weight of the unit was light, I had to just turn the corner of Viale Marconi Blaserna away, I decided to take I am at home with the equipment and to pay me the 15 € so I saved a social dinner for the evening. So far nothing exceptional if not ignorance of the seller who did not know or knew the bad match between inches and centimeters, in addition to its attempt to trim at a higher price a product obsolete.

helping with book instructions solve various problems related to the first operation. I'll be back several times to seek guidance, but the boys do not know enough and I also recommend bad. I buy from a shop in front of a SCART socket and resolve the problem. Returning the next day I find that even the 27 inches was now being offered at a discount of 10 percent. As a joke I ask the sales manager to make use of the right of withdrawal, other than the warranty, I could return the product, packaged, and then reappeared soon after with a ten percent discount. The sales manager, at first denied this theoretical possibility of having to return the product back the money spent. Then I explained that the ten per cent discount is valid not for cash buyers, but anyone who uses a Finzi, namely consumer credit. And here I come finally to the object of my discourse.

I know I heard it is widespread in America that this kind of credit. Indeed this phenomenon is related to the recent fall of Wall Street securities. Around the phenomenon of financial jungle thrives, and Americans do not seem ruthless to buy with money that did not quite trivial things like a TV. In my country wisdom I hardly ever wanted to buy anything on installment or credit. I've never wanted to take out loans. I knew from experience that buying in cash I would have paid less. Instead, the big retailer tells me that Marconi Avenue se voglio pagare il dieci per cento in meno mi devo avvalere dei servizi di una finanziaria, da me sempre evitate come la peste e gli usurai, forse con eccessivo pregiudizio. Manifesto il mio stupore e la mia protesta non è per qualche decina di euro, ma per una pratica commerciale che giudico assolutamente scorretta e lesiva per i consumatori. I miei sospetti vanno anche oltre, ma non li esterno se non con qualche brontolio generico ed incomprensibile.

Voglio cercare anche una controprova. Attraverso la strada e vado ad un negozio concorrente di fronte, meno grosso in esposizione di metri quadrati, ma a prima vista più serio. Lo stesso prodotto avrei potuto comprarlo in contanti a 675 euro anziché 699, ma soprattutto ottengo la risposta giusta. They know tell me how many inches is an inch and I confirm that the model 26 "is now obsolete and out of production. My anger is not for the price difference that I could save. I know from experience that to achieve the best price I have to compare the best deals of at least five or six retailers. This time I did not want to shoot at home and I promised that I would have bought a new TV soon. The regrettable fact is the practice of consumer credit, perhaps according to a model imported from America, but in my opinion pernicious social effects. One more reason not to be unconditional and uncritical admirers of all things American.

do not know if I pique will run again tomorrow morning, causing me to return the product to require repayment of € 699, then to repurchase the same product to 675 € in the shop opposite. There were other times, such as buying a little Canon, I noticed a significant price difference and I wisely purchased elsewhere. Of course, even if they offer their products at a lower price (there's that risk!) Does not even buy a battery in a shop, which I consider unfair trade practice and skill to put it mildly. It speaks not unfounded widespread poverty due to the introduction of the euro. Thinking of the "financial", thanks to which the seller offers tricks 10 percent less than the same product if paid in installments rather than in cash, I'm afraid the predictable degeneration of the system and the social risk. If I had not had the cash to spend as futile a new television, would go on for another twenty years with my old Grundig. Now I discover that I must debt. In fact I think a "healthy" trade could sell well in cash twenty per cent less a product that has decided to sell on credit only ten percent discount if purchased through a financial contribution. This is an economy addicted to which I hope you know how to turn his attention Bersani.

Send this post to the various associations reserves to provide consumers with more precise information and do further investigation ... I just finished speaking with the office of the great chain of electronics stores, from whom I bought my Samsung 27 ". I explained to him that my intention in the introduction is not to make negative publicity to the dealer network. I just do not buy anything individually in the network in question, especially since I have seen on other occasions as the prices are not at all the best in the market. I have become the bearer of a general interest and asks for confirmation of a fact to me pathological and socially harmful. I then received authoritative confirmation that an exact same product in exactly the same day on exactly the same shelf will cost 10 percent less when purchased on credit instead of cash. In practice, those who buy in cash will be penalized compared to those who buy on credit. The fiinanziarie (I was made to the name of Findomestik) are known to the charities who care about the well being of Italian families and therefore allow their services because the Italians can buy appliances that they need in their homes. Would be further developed as the financial services may gain in spite of their charities. But that's another story. The system seems to be quite widespread. I was not aware of the fact not ordinarily be used to finance, of which I will not necessarily pensar male. Scopro tuttavia di essere penalizzato in quanto consumatore che si concede il “lusso” di voler pagare in contanti e si ostina a non voler accedere al credito, se non in condizioni eccezionali non disponendo di propri contanti.