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Old 06-10-2013, 02:46 PM   #41
rambleon84
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yikes.. i mean i can hit up craigslist and there are a handful of shops selling used tires for $99 a set, mounted. I cant believe there are people who can justify renting something like tires, tough situation or not. If you can budget $56/month to finance tire rental, start saving 50/month for a tire fund. You can buy a new tire for mounted for $70 a corner...
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Old 06-10-2013, 02:47 PM   #42
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Originally Posted by crazy_urn View Post
I grew up in a poor household, so maybe I have a lot more empathy for low income families. We robbed peter to pay paul every month. We went days without water because the paycheck did not come until Friday, but the final deadline to pay was tuesday... I am sure if something like this had been around then, we probably would have used it, and gotten ripped off.

Often it is not about how smart or retarded the individual is, sometimes it is simple desperation, and many people do not understand that because they have never experienced it. If you have to make the decision between feeding your children, or buying new tires, often necessities like tires seem a lot less necessary. And then you get to the point where if you don't have new tires, you don't get to work, and you can't feed your kids, so you do what you have to do to survive, even if you know you are getting ripped off.

Like many here, I have zero sympathy for the people who are broke because they don't have their priorities straight, the ones who live off welfare and drive caddy's with chrome rims . But we cannot assume every poor person is a moron. Many are just desperate. And desperation makes us do some stupid things.

What pisses me off (like many on here) are the ones who take advantage of the desperate. Pay day loans, pawn shops, and rental centers pray on the desperation of the poor, and I hate it.
i hear ya there. i grew up lower middle class and now i live lower class. while i take precautions to make sure my money is always there, i wouldnt stoop to this situation at all. used tires can be had on CL all the time for very cheap. that would be the route i would take. then again ive never had a credit card and the only thing ive ever got a loan for was my current focus. i guess i take pride in getting everything i own cash
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Old 06-10-2013, 03:16 PM   #43
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If you can budget $56/month to finance tire rental, start saving 50/month for a tire fund. You can buy a new tire for mounted for $70 a corner...
That sounds really easy, but unfortunately, life is not always that simple. If they could afford to save $50 a month, don't you think some of them would (some wouldn't but I am sure many would.) If you do manage to set that $50 aside, the next time a bill comes in past due, it goes to that, and there goes the savings.

People tend to assume that poor people are stupid (even though most would never say that, it often comes across). sometimes that is true, but like all stereotypes, it often is not. People say, well, all they have to do is save that $50 a month, problem solved. When you can't even pay your bills every month, saving is normally out of the question. And often times people make poor decisions that lead them into that (like renting tires, buying cars they can't afford, etc.). Sometimes life just gets in the way.

The solution to the problem is not telling the stupid poor people to be less stupid, the solution is to stop crooks and thieves from taking advantage of these desperate people, and finding ways to stop the cycle of poverty.
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Old 06-11-2013, 04:36 PM   #44
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Yup - everything is cheaper when you've got $ to spare, and expensive when you don't.

These days Banks are even allowed to CHARGE to cash a check drawn against them, something that's patently illegal since a check drawn on them is THEIR IOU, which they are obliged to pay or close their doors in bankruptcy.

If you have a paycheck in hand, and not enough in the bank to cover it, it can't be cashed at all if drawn on a bank that isn't local.

There used to be laws preventing this, but that got called "the welfare state" and many have been repealed...

When I was a retail manager years ago, State permission to pay by check was required, otherwise payroll had to be in cash. To pay by check, a local bank who would cash the checks at no charge was a requirement....

My how things have changed....
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Old 06-11-2013, 05:39 PM   #45
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The whole argument of not being able to pay your bills isn't a really good argument to me. If you can't afford your bills then start getting rid of some. heck the easiest would for most people would be their phone or their internet or their cable. These are all thing you do not need to survive. My wife and i work our money through a program by Dave ramsey and he is all about getting an emergency fund then getting rid of debt. If you dont owe people money then you can save it. if people didn't owe people alot of money they could put that $50 away a month and not have to worry about that "Bill" coming up that kills the savings.

the other tenant of his system in using what you make. Dont use a credit card if you dont have the money for it! I will say i have never been poor and i dont plan to be. using this system though my wife and i could both loose our jobs tomorrow and we could survive at our current lifestyle for months before we "had" to find jobs. Its all about being prepared.
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Old 06-11-2013, 07:15 PM   #46
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If you can't afford to put $50/mo away what makes you think you can afford to finance for $56/mo? That's an extra $24/mo of what sounds like precious funds. And why so surprised when they want their stuff back when you don't pay?

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Old 06-11-2013, 10:23 PM   #47
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Do you get another set of tires if they wear out?

If so, how many miles per month would make it cost effective to rent the tires?
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Old 06-12-2013, 10:59 AM   #48
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HaHa - I'm sure it works the other way, if you wear them out B4 they're paid off you'd have to "rent" a second set while still paying for the first set...

Such a Deal!
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Old 06-12-2013, 11:37 AM   #49
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Originally Posted by thehubster View Post
The whole argument of not being able to pay your bills isn't a really good argument to me. If you can't afford your bills then start getting rid of some. heck the easiest would for most people would be their phone or their internet or their cable.
And what do you do after you cut those and you still can't make ends meet? Life is not always so black and white.

When I was growing up poor, we did not have credit cards, cable, internet, or a home phone, let alone a cell phone. Our bills were rent, and utilities, our car was a busted old hand-me-down from my grandparents, so not even a car payment. When someone gets to that point, what do they cut? water? power? gas?

Now, there are many who can't pay their bills because their priorities are out of whack. But there are also many who have cut pretty much everything non-essential to survival and still can't make ends meet.

You cannot just assume every poor person is an idiot who knows nothing about money.
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Old 06-12-2013, 12:02 PM   #50
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Originally Posted by crazy_urn View Post
And what do you do after you cut those and you still can't make ends meet? Life is not always so black and white.

When I was growing up poor, we did not have credit cards, cable, internet, or a home phone, let alone a cell phone. Our bills were rent, and utilities, our car was a busted old hand-me-down from my grandparents, so not even a car payment. When someone gets to that point, what do they cut? water? power? gas?

Now, there are many who can't pay their bills because their priorities are out of whack. But there are also many who have cut pretty much everything non-essential to survival and still can't make ends meet.

You cannot just assume every poor person is an idiot who knows nothing about money.
I still don't get it...

If you're THAT poor, how can you POSSIBLY spend $50/month for a year or more, versus saving the $50 a month for three or four months?

I'm sorry, but that doesn't add up to me. If you're in a truly dire situation, how on God's green earth can the decision to spend several hundred dollars (if not thousands!) for a product that costs $100 tops make any sense?

It seems simple enough to me: your tires get pretty well worn, and you make the decision to "buy now" in your head. You start making those $50 payments to the jar in your drawer, and in a couple short months you have a new set of tires. Hell, do it for one month and get an OK set of used tires.

It's not about not having enough money...it's about poor planning. If you don't have the $50/month to save for purchasing a set of tires, how do you have the money to "rent" them at a huge markup? If you can spend the money to "rent" why not just start that whole process a few months earlier while your tires are still workable, and save a TON of money?

Getting on these rental plans and payday loans and all that NEVER works. Again, it's a matter of planning. If you can't afford to purchase something on your income, then you DON'T purchase it. If a place exists to sell you that product with cheap monthly payments, but a high final cost, then DON'T do it. Pretend like such places don't exist...I've "been there" with being super poor and scrounging for soda cans to return so I have gas money or something to eat. You know what I DIDN'T do? Go and use some payday loan place or a tire rental place or whatever and dig myself further in the hole. You DO have a choice, but most people won't pick the one that makes more sense...you may think it's your only option, but it rarely is. And while in the short term you may feel like you've succeeded, in the long term you've just dug yourself deeper in the hole.

Moral of the story: plan ahead, make responsible decisions. Using a rental scheme like this is not a responsible decision, regardless of your current income.
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