Do you want it now?

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MSE Staff
Poll Title: Poll Started: 14 March 2006. Do you want it now? You're about to buy a new financial widget from a very reputable company, it's a great product, and the sales person tells you that sign up to their reward scheme at no cost and you'll be given a cash kickback. Yet there's a choice of three schemes, which you would pick?
A. £30 right now
B. £75 in 3 months time
C. £100 in a year
Vote here or click reply to discuss
A. £30 right now
B. £75 in 3 months time
C. £100 in a year
Vote here or click reply to discuss
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Replies
That's what I assumed you could do so I voted for that one.
I just pop in now and then....
transcribing
If a was broke and needed the money, then I might have answered differently though.
Boring answer I know but at least it's a plan.
1. Because three months is enough time for me to decide if this deal is really as good as they say it is. And after that I can take the £75 too.
2. If I found a better deal for just £3.00 cheaper per month, that would make up for the lost £25 for the next 9 months with another company.
Why lock yourself into a contract with a company for only £25.00 extra when deals change everyday?
Making money and loyalty are incompatible!
£30 now is just a trip to the pub, so no great shakes.
£75 in three months' time is a nice meal out and something to look forward to. Done deal, where do I sign?
The reward scheme just gives you the option of a cash rebate at a time that suits you, and pays more the longer you wait.
As it's a reputable company then you can trust they will be in business in a years time. That would be my only concern about accepting £100 in a years time, and using that sense of logic, I would have taken the £30 now!! However it's a reputable company that's likely to be around in a years time, and the £100 is likely to be paid.