Costco's co-founder, Jim Sinegal
this post was submitted on 25 Jun 2025
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Alt text: Screenshot of a receipt showing payment over time of a $1.50 hotdog in four equal installments of $0.375 spread out every other week.
No interest?
Pay in 4 is usually zero interest, but they'll stack heavy late fees if you miss it.
"why can't we get a mortgage?"
"Well I bought a hot dog on a payment plan for a laugh, and I defaulted on a 38 cent payment"
"oh no"
Conversely, you can't have a house, you have no credit.
Fine I just paid off a 1.50 loan for a hot dog.
Ok, now you can borrow 500k because you proved yourself responsible with $1.50
Reality isn't too far off, back in the day I couldn't get a loan because I had zero credit history, but then could get a mortgage after a few months of getting a credit card with like a 500 dollar credit limit.
Back in the day, one could get a credit history by being listed as an authorized user on someone elses card. One never needed physical possession of the card, nor needed to use it.
Still possible with AmEx, if I'm not mistaken, and in some cases can backdate your AAoA.
When I was a young adult I bought my first car with a loan because my girlfriend at the time relied on her parents old van which had the engine die (I very recently learned this was due to off label oil change practices her ex told her to do when he worked at the Walmart auto dept)
Anyways since I had basically no credit history, I ended up with a 22% interest loan on my car! I didn't know what I was looking at in the paperwork and the sketchy dealership my BIL insisted we go to flat out was "joking" "oh you don't want to read that. Just sign here!'
Once I had a chance to look at what I signed I quickly opened a bank account and got that loan refinanced down to an 8% interest rate. I also learned that it had some extended service plans added on that I didn't know about which didn't cover anything that wasn't already covered by the manufacturer warranty.
Later on I went back to college, pulled equity out of the car and refinanced it again down to a 4% interest rate, then a few months later I totaled it hitting a deer.
I kinda forgot what my point was in sharing this story but here we are I guess
I have plenty of interest in hot dogs.
Ha ha! Phallic penis joke!
The post nearly has a hundred upvotes I'm not the only one interested.
I read that in Phil Sebben's voice.
Or it's about bestiality.
Can't a person just enjoy some dick shaped food in the privacy of their own front yard?
They generally don't no.
They get commission from the stores (because quite likely they wouldn't have made the sale if the option wasn't available), and also late fees
That's how you build up good credit
Do you gain credit with these types of companies? Also they're paying an extra 4Β’, since 37.5Β’ will round up to 38Β’.
Tbh i have no clue lol
How does it handle the half-penny? Does it round up or down, collect the remainder at the end, pull an Office Space, what?
The POS system at my bakery rounds up when itβs for a customer (getting half of a loaf of bread for example) and down when it calculates the 50% employee discount. That alone has a weirdly huge impact on my job satisfaction.
typical POS behavior
Off topic, but I will forever read it as "piece of shit" system lol
They really always are.
wait POS doesn't mean piece of shit??
Tge issues with TLS is that they overlap.
POS
- point of sale
- piece of shit
- priate on starboard
Proud of you!
good job! a+ financial discipline!
Time to buy another one!
Hey! Whoa! Easy there big spender! Some of us are caked in debt here! We can't just be buying hot dogs now all willy-nilly!
In this economy?
Youβd have to leverage your hotdog assets and get a secondary hotdog line of credit based on the initial hotdog equity.
If youβre financing hotdogs interest free, I have no issue with it. The currency USD has, inflation, albeit low, so this is probably not a bad idea, check your t&Cs tho.
Now if you are buying hot dogs, or any other meal, with buy now, pay later (BNPL) then itβs probably time to rethink your budget and personal finances, no meal is worth that kind of debt.
Hell yeah, when people offer me interest free loans I take it.
One time I misunderstood something as an interest free loans when it wasn't so I paid it off entirely in the first bill. Sadly, I had to pay $0.01 in interest. How will I ever recover?
I mean the interest in a loan is basically an expression on how much they estimate the risk is for you to default on the debt itself
It's fair to apply it, as it is also fair for you to not take it, all things considered
I'm not actually losing sleep over the penny lol
My bank finally approved us for a hotdog jumboloan! We sign tomorrow!
You are truly a legend to dedicate to the bit.
They should allow Pay in 4 for online subscriptions.
For example Netflix. Instead of paying 8β¬ a month you would pay β¬8 a month for 4 subscriptions.
This has a similar energy to, "Lend me a dollar, but give me fifty cents. Then I'll owe you fifty cents, and you'll owe me fifty cents, and we'll be even."
"In just 4 easy payments..."
This is the beginning of the rest pf your life!
Congrats! Thanks Freddie Mac-n-cheese!