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Author Topic: Bone Loan  (Read 1993 times)
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getzenguy

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« on: Nov 15, 2005, 07:24PM »

So I'm looking at gettin' a new horn. Gonna go up to Kirkwood and play some Shires, an Edwards, and whatever else they have in stock. Been talkin' to DJ to see what he's got used, cuz I'm a student on a budget. What do you guys think about taking out loans? Just for whats left after I pay the cash down that I have.... for a new one....?         I know its all about if I can really afford it and everything, but whats the consensus? Any preferred way to do it? AAAAAND, here's the catch. Hope I dont disappoint you DJ..... I'm not 18 yet, any way to get a small loan like this?    

Dont really wanna the hear the whole "you arent ready for a horn like that" speach, sorry. I believe that my professor and I would be the best judge of that. And say I were not, whats the harm in getting myself a horn that I know I will never have to worry about replacing? I know I'm stickin' with tenor  ;-)
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Friend, you know that you do like this to result in for me very great damage?I am very sad, my expenses is expensive, if do not want the item, pleasing 1:00 loss that you pay the GBP10 to reduce me.Ask you to comprehend a get hurt boon of mood.Thanks!
Nestor Z.
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« Reply #1 on: Nov 15, 2005, 07:47PM »

There are plenty of great used horns out there that should make you happy for now.

Don't get caught into the hype if you are not financially ready...

DJ will guide you the right way, and he is one of the best resources for us trombonist bar none...

You should not rush into anything.

Loans...FORGETTABOUTIT...

Actually it is good that you now try out different style horns,  that way you will gain more experience on how different horns play, sound, and feel.

Eventually you will have a much clearer picture of what sound/feel you really want. Then if you have the $$$$ it could be your best move to buy a modular horn like an Edwards, Shires, or Rath...

Give time, time...

Hope this helps you...

Take care,

Nestor Z.
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getzenguy

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« Reply #2 on: Nov 15, 2005, 08:24PM »

Thanks Nestor, really appreciate it! I think I know what I want to sound like, because I've always been taught that "concept of sound" is (to some degree) more important than "quality of sound". If you dont know what you want to sound like, how can you sound like anything at all? You have to know whats going to come out of your horn.     But just like everything else in life, these preferences will change too as I mature in my ....trombonehood.

Played em all, but I havent spent too much time on a conn. Touched just about everything else 'cept Rath... something to look into I guess. Thanks for affirming my trust in DJ.
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Friend, you know that you do like this to result in for me very great damage?I am very sad, my expenses is expensive, if do not want the item, pleasing 1:00 loss that you pay the GBP10 to reduce me.Ask you to comprehend a get hurt boon of mood.Thanks!
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« Reply #3 on: Nov 15, 2005, 08:41PM »

"so let me get this straight, you want a loan, for a trombone?"  says the bank teller as they laugh you out of the branch.  But seriously, are you nuts? in debt before the tendor age of 18?  from a legal stand point they would no doubt require your parrents to co-sign and some assuance of collateral.  But my god man, who wants the hassel?  I payed for my 613h by myself, took me just shy of three years of working at dairy queen to do it, but its not something I regret doing, and the horn is still going strong.

hope this helps,

Craig
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« Reply #4 on: Nov 15, 2005, 08:49PM »

you'll need co signers.

If you actually keep promises with your parents, I would just take the loan out from them.  They should be able to get a loan with alot less questions and paperwork than you.

If I ever end up paying some money back to my parents, I'll need to walk into a bank with a suitcase and ask for the sum in small unmarked bills.
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denNIS
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« Reply #5 on: Nov 15, 2005, 09:13PM »

If you can find a way to borrow the money, it's obvious to me that you're going to.  I won't waste my breath telling you not to.  If mom and dad aren't able to front you the cash (read: GIVE you the cash)  I don't see how you'll be able to get the money, though.  In a way, that would make the situation more interesting, because you'd be trying to get the best bone that you could for the amount of money that you have.  Time is money.  If you spend enough time chasing a bargain, you'll eventually get one.  And speaking of DJ, he is a proficient buyer who gets relatively few of the Ebay items that he bids on.  But he bids on a LOT of items,  and when he does end up being the high bidder, it's at a price that he's comfortable with.
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« Reply #6 on: Nov 15, 2005, 10:33PM »

Get a used horn that you can afford. Or... get a job.  Clever
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« Reply #7 on: Nov 15, 2005, 10:43PM »

I know here in Australia Unis will give loans to students, the concept being that you dont get your degree till you've paid it off. They are, I think interest free too.

Check it out.

Perhaps you could even see if you could get scholarships/funding for your horn. Sometimes local councils support that sort of things, perhaps even a local rotary club or something, they give you $x and you play 2 concerts a year for them.

The least they can say is no
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Nestor Z.
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« Reply #8 on: Nov 15, 2005, 11:50PM »

Quote from: "getzenguy"
Thanks Nestor, really appreciate it! I think I know what I want to sound like, because I've always been taught that "concept of sound" is (to some degree) more important than "quality of sound". If you dont know what you want to sound like, how can you sound like anything at all? You have to know whats going to come out of your horn.     But just like everything else in life, these preferences will change too as I mature in my ....trombonehood.

Played em all, but I havent spent too much time on a conn. Touched just about everything else 'cept Rath... something to look into I guess. Thanks for affirming my trust in DJ.


You are very welcome Getzen guy...

Really don' sweat it...Forget the loan...Believe me you will have enough time and money in the next few years to get whichever horn you want...Just set your GOAL...

BTW, I sold my Shires a few weeks ago...

I too had the itch for a modular horn (actually every year I get an itch  :shuffle: )...

It was one of the best horns that I have ever played...Yet it did not give me the sound that I wanted in the recording studio...Go figure...You gotta live to learn bud...

So with this new freed up $$$ I am buying an old Bach 42 (Freddy Kruger-ugly) trombone that DJ sent me, getting a custom Bach dual bore .525/.547 slide built for the 42 bell, purchased a new mic for the studio Coles 4038, and purchased a Waves Bundle audio plug-in for the studio as well...All of that with the money that I got back from selling the Shires...

I call the 42 bell "Freddy Kruger" because of the 4 bells that DJ sent me this one was the BUTT UGLIEST...But It plays/sounds soooo SWEEEEET!!!

That's what it's all about isn't it...

Go figure again...

Take care,

Nestor Z.
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getzenguy

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« Reply #9 on: Nov 16, 2005, 05:31AM »

Haha, Nestor, this is so true. I would imagine that its very beautiful to, YOU, right? What could look better than a horn that actually sounds the way you want it to?

To the rest of you - thanks for the input. Its not that I cant afford the loan, I was simply considering it as it would boost my credit early. I may pay for the horn using scholarships and the like, and I've been working for some time, I guess I could use that money. It was just a thought. Thanks.
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Friend, you know that you do like this to result in for me very great damage?I am very sad, my expenses is expensive, if do not want the item, pleasing 1:00 loss that you pay the GBP10 to reduce me.Ask you to comprehend a get hurt boon of mood.Thanks!
john sandhagen
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« Reply #10 on: Nov 16, 2005, 11:09AM »

My parents bought me a Bach 36 and said,"Here's your last instrument from us".  In Jr. college I played a school bass trombone for two years.  When it came time to transfer I knew I couldn't take the horn with me, no cash available, no parental contribution.  So I had to take a loan.  It proved a few things to my parents (He must be kinda serious?...), I got to practice over the summer, and I think proved to myself that this was something worth doing.

So I'm not against a loan.  I am against buying a horn without playing it and without professional help.  

Try all the horns based on sound and ease.  Pick the best one for you.
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getzenguy

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« Reply #11 on: Nov 16, 2005, 11:15AM »

Thanks John. I dont really WANT to take out loan if its not really necessary, but that really makes me feel better. When I got my mid-size Getzen, my folks told me also "this is the last instrument we are buying you". So now, its on me. 'Preciate the input. I definitely agree with you, buying a horn without knowing what plays best for YOU, and without professional help, is pointless.

Going week after next, looks like so far I have an Edwards, Rath, and plenty of Shires configs to play. I've never really spent to much time on a Shires, and I've never had the chance to play a Rath, so this should be at very least a good learning experience. Just gonna see what works best.

Do you think there's a chance that I could get some sorta loan through American General or something like that... if need be that is.    Or would I still need a co-sign?
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Friend, you know that you do like this to result in for me very great damage?I am very sad, my expenses is expensive, if do not want the item, pleasing 1:00 loss that you pay the GBP10 to reduce me.Ask you to comprehend a get hurt boon of mood.Thanks!
john sandhagen
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« Reply #12 on: Nov 16, 2005, 11:30AM »

You'd definitely need a cosigner.  I needed one in my third year of college.
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dj kennedy

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« Reply #13 on: Nov 16, 2005, 11:40AM »

parents  co  sign  
only if you have  a job  !!
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if you get  a new  horn
sell your  old  one
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jeff  s  got  a   rath  in perfect  condition
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actually  a good  blowing  42b   88h  
or getzen  3047  etc  
would  perform   to  a  very high level
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its  the  player   not the  equipment  
---
sometimes  you have to get  past  that
or  have  some  of the fancy stuff  
to appreciate  the  same old  stuff
----------------
its  an adventure  --a  quest --
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« Reply #14 on: Nov 16, 2005, 12:01PM »

A loan for a bone????? No way... I'm a university third year music student  living on student finacial aid... I did put half of my 1062fdr on my visa when I got it...Still paying the darn thing... every month... feels like it will never end... that 75$ I put on my card every month would be really nice to pay some food, help pay rent, pay for gas (especially with the current high prices) or just help pay for that engagment ring I gave to my futur wife last month...

Think about it...
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getzenguy

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« Reply #15 on: Nov 16, 2005, 12:03PM »

I hear ya. Been working, so thats not a problem, but thanks for the info. I will be the LAST person to say that an Edwards or a Shires or a Rath will be any better than a Bach or Conn. It all depends on what works for YOU., as you ofcourse know.  I asked jeff to bring the Rath into the shop for me. I'm willing to play anything and everything, because I want to walk out with the horn that best fits me. Its an 80 year old Bach, or a brand spakin' new Shires.     I would LIKE to be able to say I play a Rath or Shires or Edwards, but who wouldnt?
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Friend, you know that you do like this to result in for me very great damage?I am very sad, my expenses is expensive, if do not want the item, pleasing 1:00 loss that you pay the GBP10 to reduce me.Ask you to comprehend a get hurt boon of mood.Thanks!
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« Reply #16 on: Nov 16, 2005, 12:20PM »

If that is Kirkwood, MO, you aren't that far from DJ. He can take you through the trombastical journey from his basement to the attic and guide you to an affordable horn that will have the sound that is in your head. He prolly has the widest array of horns in any catagory in the midwest. I agree with John S. that you must play the horn first before you buy it. For example, DJ prolly has several King 3bs coming in and out and each one plays different from the other and the same with most every other make and model. Happy horn hunting and good luck!  Hi
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« Reply #17 on: Nov 16, 2005, 01:15PM »

I'm a senior in college, and my 613H was the first thing that I ever bought using my credit card. Of course my whole rationale was "When I graduate I'll just use the money that I'll make from my first real job in my field to easily pay off the horn...but I'll just make minimum payments until then."

I say wait until you at least get into college to make any financial decisions like that. Because it seems like a REALLY easy thing to just set aside $75-$100 a month("It'd only be $25 a week...I can handle that"), especially when you have a job...but it's a HARD thing to do when faced with all the daily financial temptations of college life. It's best to wait for a while to see what's up...

God forbid you get a serious girlfriend who likes to go out and whatnot...Ehhhhhh, fun night out on the town...OR...trombone payment? DECISIONS DECISIONS!!! Yeah, RIGHT.
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getzenguy

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« Reply #18 on: Nov 16, 2005, 04:50PM »

Haha, Ultra, that is no joke. Never thought about a credit card, but I dont EVEN want to venture down that road. I'm planning on hooking up with DJ, planning on having a great time. I find it amusing how everyone tells the younger players to never buy anything before you play it. Granted, its the right advice, but I think you'd have to be out of your mind to buy something I'd never played before. Atleast, thats the consensus, eh? isnt that the whole point? To buy it because you like the way it plays.....
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Friend, you know that you do like this to result in for me very great damage?I am very sad, my expenses is expensive, if do not want the item, pleasing 1:00 loss that you pay the GBP10 to reduce me.Ask you to comprehend a get hurt boon of mood.Thanks!
john sandhagen
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« Reply #19 on: Nov 16, 2005, 05:05PM »

You laughin' at me?  













Well go ahead, I deserve it.  I ordered a trombone on the advice of my teacher (who had never seen, much less played, said type of horn).  It was a pig.  But being out about a half a years salary wouldn't let me admit it.

I think the reason some are likely to give advice (me included) is to keep other from repeating our mistakes.
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