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Wednesday, April 3, 2013

Kabutihang Dulot ng Pagkamakulit

Sige Tumawid Ka Tangina Ka!
While working for a bank in Central Luzon, I found a customer na nangungulit ng employees dito sa bank. Ang ingay nung customer and admittedly, naiirita ako nung una. She was asking for a loan and gusto niya ng mas mababang rate. E ang problema, hindi nga siya consistent magbayad. She even had the guts to ask to see our chairman and president. 

But come to think of it, persistence will get you somewhere on some circumstances eh. I realized you can apply what she does to get what you want.

I was looking for a tablet yesterday so I decided to put her style into practice. I have been eyeing to get the Asus MeMo Pad for quite a while now. I was torn kung kukunin ko yun o hindi eh. It boiled down sa 50:50. Sabi ko kasi, kung maa-approve yung application ko ng Citibank Rewards Card, bibili ako ng tablet. Sayang kasi yung promo nila na libreng Rudy Project watch worth Php 2,500. Kailangan ko lang bumili ng accumulated amount na Php 5,000 using the credit card within 60-days na makukuha ko yung card. 

So ayun, okay na'ko na bilhin yung tab. Ang problem na lang is this, kung bibilhin ko siya ng cash Php 6,999 lang siya versus Php 2,899 for three months o Php 7, 787 kung outright payment sa credit card. Tanginang shit! I was willing to pay it in cash naman kaso sayang talaga yung Rudy Project watch di ba? 

What did I do?

The first thing you have to do is look for a deal breaker. While on the computer supplies shop in SM Pampanga, I looked for the boss looking person. Wag na wag kang bibili sa mababa ang posisyon. Bumili ka sa boss. Kasi ang empleyado, kailangan pang magpaalam sa boss kung hihingi ka ng discount. Ang boss, mas madaling kausap. Lalo na kapag Chinese. Ang rule of thumb ng mga Chinese, "konting kita, maraming benta." What I did to identify the boss was to look for a person na umiikot ikot lang ng pwesto sa shop and then either iba ang suot na uniform o totally wala talagang uniform. In my case, wala siyang uniform. 

I immediately told him about my dilemma. I told him I'm willing to pay it outright naman talaga pero I needed to use my credit card to get a reward. I told him masyadong malayo ang difference ng 6,999 sa 7,787. What he did was this, he calculated the lowest amount he could give (he can't give 6,999 kasi may patong pa for the credit card company). He gave the figure at 7,285, 3 months to pay. That's only 2428.33 per month! Aw, ang gaan na lang tuloy ng payment scheme! That's the deal breaker! I can  use the money na mase-save ko to invest in stocks! Lalo na ngayong papalapit ang mahal na araw, mababa ang bentahan sa stocks kaya saktong sakto talaga ito! 

Kung nangulit ako or kumausap ako ng maayos sa mga salesmen dun, wala akong mapapala. Pero dahil ang kinausap ko ay yung boss at inexplain ko kung anong sitwasyon ko ng maayos nakakuha ako ng magandang deal. Wahehehe.. Thanks dun sa nakakainis na babae sa office, nagamit ko yung style niya to my advantage. 

Minsan, yung nakakainis, magagawa mong mabuti. May mapupulot din pala sa pakshet. Palaging umisip ng paraan para maging oportunidad ang isang bagay.