0:00 go through Google just put it all on Google and then when you switch to any phone you just go back to Google I'm not going to trust some dancer to tell me what to do with that [Music] have you guys heard about Apple launching buy now pay later is that like layaway I know I think so I think some websites you can like go up there and just buy it and then it's like a turns into a payment program like you're paying for you guys know about apples here right yeah so what about Apple pay later right sounds racist it comes with plans for for eligible users right yeah in the coming months so um this was supposed to come out last September they had some delays but essentially it's going to allow users to split the cost of their purchases
0:50 purchases into four interest free payments spread over six weeks paid for it kind of like PayPal I mean I've bought stuff on Apple pay where they give you interest-free monthly payments on stuff yeah but it's like two weeks wow oh they send a 5 000 firing squad to your house no um they delete all your data on your phone yeah no so basically you're getting a loan right so so you're gonna apply for a loan right they go in ranges from fifty dollars to a thousand dollars they can also be used for online and in app purchases made on the iPhone or iPad with Merchants that except Apple pay already and there's no one-size-fits-all approach they're saying many people are looking for flexible payment options it's like how Walmart has layaway like they're trying to reach more people with their services Apple seems that's kind
1:40 of cool feels like a scammer's dream a little bit that's kind of what people are afraid of right like the uh the way that there's almost like an ease of access to getting loans but it's all it's no different than applying for a credit card right now the scammers do try to pay later and they don't pay it later it's not that much that they're losing because it's if it's four payments it's like little it's like smaller things right well it depends because credit cards are not accepted as a loan repayment method so I'm only saying that because like the stuff that I buy with like PayPal they let you do paid for but I only buy stuff that's like around 50 to 100 range and usually that's when they offer that for okay they don't offer it for like huge well yeah you know you're not buying graphics cards or anything yeah yeah yeah but for graphics cards quite a lot of sunglasses I heard yeah a little one
2:32 more than you need have you guys gone and checked your like statements or transactions sometimes there'll be a link that says you can split the payment up yeah on some transactions that are like a thousand or above or something right I've never clicked it but I was like that's new well the people who use the service are they tend to have lower credit scores so there's an argument to be made about like is this like targeting people right right it's like check cashing places how they're targeting the ports and keep them like they're growing their Venn diagram for business right it's like monetizing someone's bad habit this does make it more accessible does it tell you what the APR is if you don't pay like the because that's where they get you oh yeah because I have I thought it was weird how they could make it work like I like I I bought an iPad and I mean um
3:22 you know I bought Apple products I I just stack it onto my Apple pay thing and I just have it in payments so I'm like paying like 200 bucks a month zero interest I'm like how can they even do this right and I didn't even think about what if I miss a payment Ah that's where they get yeah yeah yeah it's zero percent until you miss a payment yeah that's why it's great for people that already know their consistent income and then you just basically don't even have to worry about it but you don't have to pay all your money up front it's great you know but yeah it doesn't say much about the the rate but it does their base basically trying to clean up their image privacy wise because like how can you prove that you actually applied for the loan it's just saying like oh well you know regulatory wise we can prove it through face ID Touch ID or passcode so it's like undeniably you right right yeah
4:12 um and then the user's transaction and Loan history I never shared or sold third parties for marketing or advertising which happens sometimes it's the same version on the up and up ever since uh Mr Mr Hobbs passed away I'm worried about the the um what like Innovation design wise and all that stuff are they going to come out with because like you're Mr Hobbs the Spanish pronunciation of Steve Jobs you should have known I should have known I was gonna use the Portuguese pronunciation Calvin Hobbs died yeah that's their yobs all right yeah obviously yeah so I thought I was like Hops and shots it's their jobs all right stop taking my job
5:02 you know a lot of people talk ████ like oh Apple they're not forward on technology Samsung been having that and I'm like yeah we all know but we like the design like it's easy to ████ use and like how it's like I'm not a loser I'm stuck I'm a loser I can't get out well I got my photos and they delete all your photos if you ████ move oh ████ oh huh yeah when you move I don't know how to get to a Samsung or Android yeah it's like your photos you can't Port them over easy all kinds of ████ go through Google just put it all on Google and then when you switch to any phone you just go back to Google I'm not gonna trust some dancer to tell me what to do with that there's also a drop box too it's a delete Dropbox okay yeah this guy knows how to delete everything I'm gonna trust him yeah hey hey when I need to delete something
5:53 and really make sure it's gone I'll ask empty recycle bin do you use anything like this ever like this yeah yeah with PayPal what do you do um well sometimes like I know I spend a lot on certain things like food and gas and stuff but I rarely spend stuff on like toys like I don't know stuff that I do with my friends or whatever like sex toys like dildos yeah I didn't want to think about cat in that way it looks like times and then sometimes it's like I don't really want to spend it all at once so I'm like you know what pay it in four I'll pay 20 bucks this week a couple weeks later pay another 20 bucks it's like way easier and I know for sure like I can pay it off so I don't know I I just like it doing it that way so they say I get to keep my money do they send you the Dark Knight
6:43 first or do you have to pay for it I still haven't bought it yet man I don't know I got to do it in payments you know the you know the thing that you have in your shower the thing that's mounted with the Dark Knight no the thing that you're ████ in the shower whenever you're in your shower can you explain it like yeah so it's that it's that thing that you put your dick in when you're in your own shower wall no way yeah that you plugged in is that is that the ad on the on PornHub sucking your dick it goes crazy yeah it's like a gyroscope ████ goes this direction and this direction it looks like intimidating oh yeah I do I do the opposite thing I I buy very I buy virgin things like Gundam you know that's a virgin thing yeah because you should buy condom not Gundam
7:33 I've seen stuff that's similar on a bunch of websites they can go on a website and then it's like can't like pay the whole thing now and there's already like those things built into it yeah so it's almost like many loans on almost anything you can buy sunglasses clothes whatever do you guys like payments or do you like to pay the whole thing off I like to pay the whole thing I don't know why I don't know if that's like I'm old-fashioned or something I'm scared I like to pay the whole thing because of bandwidth like in my brain I don't like keeping track of other ████ and I know like as soon as it's like out of sight out of mind and later on I'm gonna probably forget about it and then I'll like Miss a payment I just it's just too much I had a brush with debt in the mid 2000s you don't forget that ████ just pay it off yeah it's all auto pay it takes way too long to get out of that ████ I think my mindset is more so like if I don't have to give them all my money now like why should I but I I know I will eventually
8:24 but like let's say something happens ████ you know no but I get to keep I get to keep the money that I have still you're badass if let's say that company goes out of business or something and all their Productions company won't go out of business or if something happens you still keep you still have your money you can't like I find out about this company and I'm like I'm not gonna give them all my money at once but I will give them all my money eventually over a six week period ████ dude because like the stuff that I buy it's like it's not that important you know but let's say I have an emergency you gotta get a dragon balls jacket like in a in a pinch paying a hospital bill that makes sense if you're doing this yeah so I would rather have that money just in case I like I rather I would rather uh what do you call it not pay them for whatever because it's such a small payment then that makes sense yeah free up capital
9:15 but if you have a lot of money then I guess it doesn't matter just buy it and it depends on what you're doing payments on like I'm not gonna do payments on a skateboard I'm like oh it also depends on if you're trying to build your credit too right if you want to show that you're um look I'm paying off that's the only reason I've ever used credit cards yeah exactly yeah just to build credit like otherwise it's it could be a slippery slope yeah it's also good for points points and it's also good because like if someone buys ████ like fraud and all that you don't want them to use your debit card yeah you can't get your money back I recently bought a Nintendo switch controller that I thought was like legit and then I was like oh ████ they didn't they didn't send me like an email to confirm this I think I just lost my money but then I just contacted there's a lot even even on Amazon you could
10:06 accidentally buy a Chinese joy-con that's not legit on actual Amazon yeah they mess up too sometimes I got I got scammed on a oh I got scammed on a um Instagram ad dude this um loses ████ inflatable paddle board right it was so sick so sick and I was like oh my God I can't believe it's only 30 bucks and I ████ bought it it was just a paddle dude I didn't get scammed but Gordon Ramsay got me on an Instagram ad I bought his new ████ hex clad pants and they're like look at this it's non-stick and I could take a knife straight to it oh God that's pretty ████ sweet and then they do uh like 60 off right now and then I know I know marketing ████ tricks I know they probably already marked it up sixty percent that takes it yeah oh no but I was like but still buy it Gordon Ramsay
10:58 Cooks on me it's a deal yeah same ████ happened to me too did you find them but they actually work pretty good oh wait what's this I don't need extra power I had the same ████ happen to me with Instagram it looks great it works as advertised no with Instagram Target ads they got me on Giada nudes and I thought they were going to be her and it was clearly doctored and ████ they sent me like a 70 ████ five photos and it was all doctored and it wasn't even Gianna Giada at home shift yeah yeah holy ████ she has nudes no she doesn't that's so crazy yeah I spent 525 thanks for an album of complete fakes yeah and she had a big head too I was like this is totally fake that always happens to me on yes style you guys ever shot that yes Style no it's like a Korean clothing site that a lot of the time they just
11:49 send you random ████ you just like you look at the picture I want that shirt they just send you a random actress oh ████ yeah they just send yourself a random Triple A shirt you're like what is this I think online shopping nowadays is kind of scary yeah it depends man it's like you got to be so good at it hey that's a hot day [Music] foreign
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