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The Water Cooler
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Car dealer rip off
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<blockquote data-quote="jakeman" data-source="post: 1842355" data-attributes="member: 10690"><p>She's bent. Over. Way over.</p><p></p><p>Tell her what she's done. Try to explain why she shouldn't have, and show her the numbers she should have been looking at for that car, and what her payments would have been at a normal price, with a normal interest rate. If this thing is going to wind up bad, end it now. The sooner it's over, the sooner she gets to start rebuilding her credit.</p><p></p><p>I'm gonna get flamed for this, but most poor people are poor because they are stupid. They do stupid stuff like this, and it winds up costing them loads of money that they would have been able to do other things with, like save, and then it just spools itself up into a financial whirlpool that drags all their available money down into a never ending bottomless pit of financial ruin. Pay too much for a ****** car, have to maintain same, car quits, can't get rid of it, still have payment, and have to dump more money into an even shittier car that runs, now have two payments, can't buy a tag, can't afford insurance, get a ticket for driving with an expired tag an no insurance, ****** car that runs gets towed, have to come up with butt load of money to get car out of jail, can't pay fines, license gets suspended, gets arrested for driving with a suspended license, car goes to jail again, payment on both cars is still due, loses job because went to jail and missed work, and was on probation at work because couldn't get to work because no reliable transportation, etc. etc. etc. All because they don't or won't use the brains that the good Lord gave them.</p><p></p><p>I know there are exceptions, but every abjectly poor person I've ever known was an idiot. If someone is down on their luck, and just caught a bad break or two, they'll eventually come out of it. You can't fix stupid, and they are gonna die poor. I'm sorry. I believe it's true. Do the girl a favor, educate her. That will help her more than bailing her out will, but you might have to do that as well, but don't enable her, just get her out of the hole, and tell her not to do that kinda stuff again unless she at least runs it by you first. We don't throw our kids into a swimming pool and hope they can swim. We watch over them until we are sure they can. She can still have her independence, she just needs someone to check her work from time to time to make sure she isn't swimming around with her face down in the pool, breathing water instead of air. It's okay, it doesn't mean we don't trust them, we just want them to make good decisions, and until she's proven she's capable, she needs to talk over BIG purchases with someone that has proven they know how to swim (with sharks).</p><p></p><p>Good luck to her, and you. You're a good guy for being concerned.</p></blockquote><p></p>
[QUOTE="jakeman, post: 1842355, member: 10690"] She's bent. Over. Way over. Tell her what she's done. Try to explain why she shouldn't have, and show her the numbers she should have been looking at for that car, and what her payments would have been at a normal price, with a normal interest rate. If this thing is going to wind up bad, end it now. The sooner it's over, the sooner she gets to start rebuilding her credit. I'm gonna get flamed for this, but most poor people are poor because they are stupid. They do stupid stuff like this, and it winds up costing them loads of money that they would have been able to do other things with, like save, and then it just spools itself up into a financial whirlpool that drags all their available money down into a never ending bottomless pit of financial ruin. Pay too much for a ****** car, have to maintain same, car quits, can't get rid of it, still have payment, and have to dump more money into an even shittier car that runs, now have two payments, can't buy a tag, can't afford insurance, get a ticket for driving with an expired tag an no insurance, ****** car that runs gets towed, have to come up with butt load of money to get car out of jail, can't pay fines, license gets suspended, gets arrested for driving with a suspended license, car goes to jail again, payment on both cars is still due, loses job because went to jail and missed work, and was on probation at work because couldn't get to work because no reliable transportation, etc. etc. etc. All because they don't or won't use the brains that the good Lord gave them. I know there are exceptions, but every abjectly poor person I've ever known was an idiot. If someone is down on their luck, and just caught a bad break or two, they'll eventually come out of it. You can't fix stupid, and they are gonna die poor. I'm sorry. I believe it's true. Do the girl a favor, educate her. That will help her more than bailing her out will, but you might have to do that as well, but don't enable her, just get her out of the hole, and tell her not to do that kinda stuff again unless she at least runs it by you first. We don't throw our kids into a swimming pool and hope they can swim. We watch over them until we are sure they can. She can still have her independence, she just needs someone to check her work from time to time to make sure she isn't swimming around with her face down in the pool, breathing water instead of air. It's okay, it doesn't mean we don't trust them, we just want them to make good decisions, and until she's proven she's capable, she needs to talk over BIG purchases with someone that has proven they know how to swim (with sharks). Good luck to her, and you. You're a good guy for being concerned. [/QUOTE]
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