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Posted: 4/3/2010 1:16:34 PM EDT
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Ive been trying to decide what rifle to get for the last few months, and Im on a low budget of $1000 for the firearm. Ive bounced around with different ideas from an M1 Carbine, to an AK, to some pistols, to a MSAR, and then to a AR15. And the whole time I was just wishing I have like $500 more so I could get a basic M1A. But regretfully I realized that it was not going happen and that it would be along time before I was able to get my favorite rifle.
So I was just browsing Bud's today and I see a deal they have on standard M1As and I almost die. And they have an affordable payment plan for it, but Im just a 18yo with little money. Im going to call them on Monday and see if the payments will be any less if I pay $800-1000 upfront. I dont know much about how this stuff works so it might not even work like that, but if it does, I am going to be one happy SOB. Do you have any stories of times where your budget has been just a little too small for something you really want? Do tell! |
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Quoted:
Ive been trying to decide what rifle to get for the last few months, and Im on a low budget of $1000 for the firearm. Ive bounced around with different ideas from an M1 Carbine, to an AK, to some pistols, to a MSAR, and then to a AR15. And the whole time I was just wishing I have like $500 more so I could get a basic M1A. But regretfully I realized that it was not going happen and that it would be along time before I was able to get my favorite rifle. So I was just browsing Bud's today and I see a deal they have on standard M1As and I almost die. And they have an affordable payment plan for it, but Im just a 18yo with little money. Im going to call them on Monday and see if the payments will be any less if I pay $800-1000 upfront. I dont know much about how this stuff works so it might not even work like that, but if it does, I am going to be one happy SOB. Do you have any stories of times where your budget has been just a little too small for something you really want? Do tell! Yeah, everytime I look through the Dupont Registry..... |
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The simple answer to your question is yes, generally paying off $1000 off the bat will reduce the monthly amount you have to pay. Generally, you will pay a certain precentage of the amount owed. The lower the amount owed, the lower the monthly payments will be... Be careful when you go down this road. Going into debt the first time is the hardest. Once you've done it once, the mental inhibition is gone. Next thing you know, you end up with 5 maxed out credit cards... Credit can be a powerful tool, but it is a double edged sword... |
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Ive been trying to decide what rifle to get for the last few months, and Im on a low budget of $1000 for the firearm. Ive bounced around with different ideas from an M1 Carbine, to an AK, to some pistols, to a MSAR, and then to a AR15. And the whole time I was just wishing I have like $500 more so I could get a basic M1A. But regretfully I realized that it was not going happen and that it would be along time before I was able to get my favorite rifle. So I was just browsing Bud's today and I see a deal they have on standard M1As and I almost die. And they have an affordable payment plan for it, but Im just a 18yo with little money. Im going to call them on Monday and see if the payments will be any less if I pay $800-1000 upfront. I dont know much about how this stuff works so it might not even work like that, but if it does, I am going to be one happy SOB. Do you have any stories of times where your budget has been just a little too small for something you really want? Do tell! Yeah, everytime I look through the Dupont Registry..... I just googled that, and DAMN. Hahah, I see what you mean! Quoted:
The simple answer to your question is yes, generally paying off $1000 off the bat will reduce the monthly amount you have to pay. Generally, you will pay a certain precentage of the amount owed. The lower the amount owed, the lower the monthly payments will be... Be careful when you go down this road. Going into debt the first time is the hardest. Once you've done it once, the mental inhibition is gone. Next thing you know, you end up with 5 maxed out credit cards... Credit can be a powerful tool, but it is a double edged sword... Thanks for the info. If my mother is willing to help me out, it will be using her credit, but I would come up with however much the payment would be each month and giving it to her. Im going to talk to her about it. She's a loan officer at a credit union so I assume she knows a lot about this haha. |
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7.62 NATO ammunition is so pricey these days that a M1A might now be the best option unless you reload.
If you want an M1A, then get a polytech M14S. You see them on the EE relatively regularly for $800 to $900. THese will still be worth $800 to $900 down the road when you can afford to sell it and buy a Springfield or a LRB. By then you will already have magazines, tools, sling, etc. so you can roll right into your dream rifle. |
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Quoted:
7.62 NATO ammunition is so pricey these days that a M1A might now be the best option unless you reload. If you want an M1A, then get a polytech M14S. You see them on the EE relatively regularly for $800 to $900. THese will still be worth $800 to $900 down the road when you can afford to sell it and buy a Springfield or a LRB. By then you will already have magazines, tools, sling, etc. so you can roll right into your dream rifle. Yeah, thats one concern I have. I do plan on getting reloading equipment this summer though. My uncle has some .308 at the moment that he will let me have for the first little while and Ill save the casings and then reload later on. |
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Quoted: Quoted: Quoted: Ive been trying to decide what rifle to get for the last few months, and Im on a low budget of $1000 for the firearm. Ive bounced around with different ideas from an M1 Carbine, to an AK, to some pistols, to a MSAR, and then to a AR15. And the whole time I was just wishing I have like $500 more so I could get a basic M1A. But regretfully I realized that it was not going happen and that it would be along time before I was able to get my favorite rifle. So I was just browsing Bud's today and I see a deal they have on standard M1As and I almost die. And they have an affordable payment plan for it, but Im just a 18yo with little money. Im going to call them on Monday and see if the payments will be any less if I pay $800-1000 upfront. I dont know much about how this stuff works so it might not even work like that, but if it does, I am going to be one happy SOB. Do you have any stories of times where your budget has been just a little too small for something you really want? Do tell! Yeah, everytime I look through the Dupont Registry..... I just googled that, and DAMN. Hahah, I see what you mean! Quoted: The simple answer to your question is yes, generally paying off $1000 off the bat will reduce the monthly amount you have to pay. Generally, you will pay a certain precentage of the amount owed. The lower the amount owed, the lower the monthly payments will be... Be careful when you go down this road. Going into debt the first time is the hardest. Once you've done it once, the mental inhibition is gone. Next thing you know, you end up with 5 maxed out credit cards... Credit can be a powerful tool, but it is a double edged sword... Thanks for the info. If my mother is willing to help me out, it will be using her credit, but I would come up with however much the payment would be each month and giving it to her. Im going to talk to her about it. She's a loan officer at a credit union so I assume she knows a lot about this haha. If you put it on her credit (ie buy it on a credit card in her name) then it will have to be transferred to her (not you) through an FFL, meaning your mom will have to do the 4473 and then "gift" it to you. I know this because I had a similar issue recently. I wanted to buy a gun on my wifes credit card, but was informed they would have to send it to my FFL under her name for credit protection reasons. I ended up canceling, and redoing the order on my debit card so that it could go to my FFLguy in my name. ETA: Let me clarify what I am saying. For merchant credit protection reasons, if your mothers credit is used, then her name must be on the purchase receipt and she will be considered the "buyer" not you. Once sent to the FFL, they are required to transfer it to the buyer, which means she will be the one who has to do the 4473. She can gift it to you after that. Just wanted you to know there are some of the issues doing it that way... |
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Ive been trying to decide what rifle to get for the last few months, and Im on a low budget of $1000 for the firearm. Ive bounced around with different ideas from an M1 Carbine, to an AK, to some pistols, to a MSAR, and then to a AR15. And the whole time I was just wishing I have like $500 more so I could get a basic M1A. But regretfully I realized that it was not going happen and that it would be along time before I was able to get my favorite rifle. So I was just browsing Bud's today and I see a deal they have on standard M1As and I almost die. And they have an affordable payment plan for it, but Im just a 18yo with little money. Im going to call them on Monday and see if the payments will be any less if I pay $800-1000 upfront. I dont know much about how this stuff works so it might not even work like that, but if it does, I am going to be one happy SOB. Do you have any stories of times where your budget has been just a little too small for something you really want? Do tell! Yeah, everytime I look through the Dupont Registry..... I just googled that, and DAMN. Hahah, I see what you mean! Quoted:
The simple answer to your question is yes, generally paying off $1000 off the bat will reduce the monthly amount you have to pay. Generally, you will pay a certain precentage of the amount owed. The lower the amount owed, the lower the monthly payments will be... Be careful when you go down this road. Going into debt the first time is the hardest. Once you've done it once, the mental inhibition is gone. Next thing you know, you end up with 5 maxed out credit cards... Credit can be a powerful tool, but it is a double edged sword... Thanks for the info. If my mother is willing to help me out, it will be using her credit, but I would come up with however much the payment would be each month and giving it to her. Im going to talk to her about it. She's a loan officer at a credit union so I assume she knows a lot about this haha. If you put it on her credit (ie buy it on a credit card in her name) then it will have to be transferred to her (not you) through an FFL, meaning your mom will have to do the 4473 and then "gift" it to you. I know this because I had a similar issue recently. I wanted to buy a gun on my wifes credit card, but was informed they would have to send it to my FFL under her name for credit protection reasons. I ended up canceling, and redoing the order on my debit card so that it could go to my FFLguy in my name. ETA: Let me clarify what I am saying. For merchant credit protection reasons, if your mothers credit is used, then her name must be on the purchase receipt and she will be considered the "buyer" not you. Once sent to the FFL, they are required to transfer it to the buyer, which means she will be the one who has to do the 4473. She can gift it to you after that. Just wanted you to know there are some of the issues doing it that way... Yeah, I assumed thats how it works. Here in UT firearms are not registered to people so it can be transferred to me quite easily. |
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Quoted:
Ive been trying to decide what rifle to get for the last few months, and Im on a low budget of $1000 for the firearm. Ive bounced around with different ideas from an M1 Carbine, to an AK, to some pistols, to a MSAR, and then to a AR15. And the whole time I was just wishing I have like $500 more so I could get a basic M1A. But regretfully I realized that it was not going happen and that it would be along time before I was able to get my favorite rifle. So I was just browsing Bud's today and I see a deal they have on standard M1As and I almost die. And they have an affordable payment plan for it, but Im just a 18yo with little money. Im going to call them on Monday and see if the payments will be any less if I pay $800-1000 upfront. I dont know much about how this stuff works so it might not even work like that, but if it does, I am going to be one happy SOB. Do you have any stories of times where your budget has been just a little too small for something you really want? Do tell! The grass is always greener.... An important part of being happy in life is learning to love what you can have and not obsessing over what you don't have. There are many fantastic rifles that can be purchased for well under $1000 that will be useful for hunting and self defense. The M14 is something that I covet as well but I am perfectly realistic and understand that a $1500 rifle that uses $.75/round ammo is completely beyond my means at the moment. One day I would like to own(and actually use) one. The CMP sells excellent quality M1 Garands for a fraction of the price of a new M1a. Ammo is available as well. AR-15s are cheaper now than they have been in a while. The cost of .223 has fallen somewhat and stabilized. Be realistic- buy a rifle that you can afford to use and don't buy it on credit. |
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Firearms is just like anything else in that you do the best you can to be a well rounded person in terms of budgeting for them. Many people could run out and purchase a Mercedes Benz, but they wouldn't have as nice a house or as nice of clothes so they get another vehicle that costs less and is affordable. Don't go out and blow all your money on a rifle and then not be able to afford a decent sight, a safe to keep it in, and cleaning supplies and ammunition to keep it running. You're going to want magazines, you're going to want some type of mag holders and case to transport the rifle in if it doesn't come with one. Don't get caught up in the snob factor of gun ownership. You do the best you can with what you've got and above all you SHOOT it. I'll take a guy with an AK who makes it to the range at least once a month and can afford to do a carbine course over somebody with an ACR or SCAR who never shoots the thing. If you're 18 years old you've got A LOT of life ahead of you. This rifle will not be your only rifle you ever purchase. So don't feel like it has to be the end all be all price be damned. Get something you can afford to shoot, train, maintain, and store securely. Don't buy on credit. Don't ever finance anything unless it's a car or house. It's tempted to take your new credit card for a walk, but don't be that guy that shoots his credit to #$%& before he's even 21. Well rounded. Those are the two words to recite in your head over and over. Well rounded. If you run into some jack@$$ who makes some smart comment about how you've got X rifle and he's got Y, which costs more, just put up your hand fist closed, turn it palm facing you and extend your middle finger. |
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Quoted: 7.62 NATO ammunition is so pricey these days that a M1A might now be the best option unless you reload. If you want an M1A, then get a polytech M14S. You see them on the EE relatively regularly for $800 to $900. THese will still be worth $800 to $900 down the road when you can afford to sell it and buy a Springfield or a LRB. By then you will already have magazines, tools, sling, etc. so you can roll right into your dream rifle. Even reloading them is expensive it ~$40 to ~$50 per 100, but still cheaper than ~$1 per round that you see today. Reloading rifle ammo is also ridiculously time consuming. As a full time college student I just don't have the time. The cost of .308 is about to the point were just plinking is unfordable. Although brown bear and wolf ammo is still about ~$10 where I am. Go with something in .223 or buy a handgun from a private sale. Although you will have to reload your own handgun ammo in order to bypass the sales age restrictions on handgun ammo. There's a boatload of firearms and accessories I want right now, and I could buy them now, but I don't want to dip into my rainy day fund. Just be patient and not impulsive. Besides it feels better when you actually work your butt off for something and then finally reward yourself with the satisfaction of having truly earned that item. |
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Firearms is just like anything else in that you do the best you can to be a well rounded person in terms of budgeting for them. Many people could run out and purchase a Mercedes Benz, but they wouldn't have as nice a house or as nice of clothes so they get another vehicle that costs less and is affordable. Don't go out and blow all your money on a rifle and then not be able to afford a decent sight, a safe to keep it in, and cleaning supplies and ammunition to keep it running. You're going to want magazines, you're going to want some type of mag holders and case to transport the rifle in if it doesn't come with one. Don't get caught up in the snob factor of gun ownership. You do the best you can with what you've got and above all you SHOOT it. I'll take a guy with an AK who makes it to the range at least once a month and can afford to do a carbine course over somebody with an ACR or SCAR who never shoots the thing. If you're 18 years old you've got A LOT of life ahead of you. This rifle will not be your only rifle you ever purchase. So don't feel like it has to be the end all be all price be damned. Get something you can afford to shoot, train, maintain, and store securely. Don't buy on credit. Don't ever finance anything unless it's a car or house. It's tempted to take your new credit card for a walk, but don't be that guy that shoots his credit to #$%& before he's even 21. Well rounded. Those are the two words to recite in your head over and over. Well rounded. If you run into some jack@$$ who makes some smart comment about how you've got X rifle and he's got Y, which costs more, just put up your hand fist closed, turn it palm facing you and extend your middle finger. ^, if you don't have an AR yet I would consider that first(or even an AK), plenty of time for others. (Spikes = $800.00) |
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“I don’t have much money – what AR-15 should I buy?”
Good read. Worth your five minutes of time. |
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“I don’t have much money – what AR-15 should I buy?” Good read. Worth your five minutes of time. +1 Spot On, good read. |
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