While driving around in another part of town today, I spotted a new kind of
"As low as $3.00/week"
They have sidelines: Wheels (tire won't be much good without a wheel), and
all manner of fancy bling, or rims, or whatever they call it.
Yeah, they have been around for several years on the west side. Poor
people seem to have poor money management skills. It's not all that
rare to see $3000 worth of wheels and tires on a car that's not worth
close, if I replace a tire
on my '84 Buick, the tire is going to have greater value than the car
:o) Got a little hole in
the roof that I need to repair ... Bondo is the only thing I have heard
of for the purpose, but
I have never used it. And then there is the plastic on the Landau part
of the roof. Lucky me,
they had ladies day at the junk yard (my first time) a couple years ago,
so I got some missing
trim. There is a similar car in the neighborhod that looks better ... I
may have to follow it
That's because there's a huge cultural perspective difference between
those in poverty and those who aren't. When you are stuck in poverty
(often for generations in the U.S., where the adults today grew up in
poverty, as did their parents, and grandparents) you don't believe
you're ever going to be able to get out - you're going to be stuck in
a crummy low-paying job and never going to get a job that pays a
living wage, never going to be able to get out of where you are so you
live for the moment, buying the big screen tee-vee and the satellite
service and the bling-bling for the 1972 Datsun beater and the like.
<begin shameless plug>
That's why I'm such an advocate of Habitat For Humanity: because they
help families in poverty see a way out, not just by helping them get
an affordable home of their own but also in teaching them basic life
skills like budgeting and financial planning. But most importantly
they give a family a sense of hope, a belief that there IS a way out,
and then they start looking at life and the world differently, start
thinking about saving for a future they believe could come. I know
from experience, having worked for H4H in seminary, and my wife is
Dir. of Development for our local affiliate.
So this holiday season, instead of giving yet another bland sweater to
Aunt Mary or yet another variation of Zelda to your nephew for his
Nintendo DS, make a donation to your local Habitat affiliate in the
name of family members, and change some lives.
<end shameless plug>
I totally agree. There were those who were displaced from New Orleans
because of Katrina and found themselves in places like Salt Lake City or
Billings, Montana - a completely different culture. Some even said: "You
mean all I got to do is stand behind the counter and make Slurpees? And I
get PAID for it? Damn, man, that's cool!"
Presto! The cycle is broken!
In some NC areas it is a common business to rent fancy wheels and tires.
Even have ads on the radio.
Colortyme Custom Wheels Lease-To-Own
This one operates in many US states. Map link shows mostly concentrated in
the southeast quadrant.
"Gawwwwwwwww-lee! Well I'll be dammed huh?!!"
summer as a kid, I did FHA inspections on repo houses, to make sure the
windows were all there and there were locks on the doors, etc. Blew my
mind to see these crappy little shacks with shiny Caddies out front,
many with obvious add-on padded vinyl tops and fancy wheels and such.
Guess if you can't afford a decent crib as a show-off item, you go with
what they see when you are out and about showing off.
i wonder if thats like renting appliances,it ends up costing 3 times
more than if you just bought it.
That is one of the things that keeps the poor people poor. No cash, no
credit, so they rent for the same monthly (or weekly) payment forever.
You can buy a new refrigerator for about $450 today. In the same building
where I worked was a used appliance dealer that preyed on the low income
families. He'd sell a used model for $300 with weekly payments at 22%
interest. Miss a payment and he'd repo it and sell it again.
you'd think that people would clue up and go to the library and search
craigslist and/or just go to the salvation army. Heck, I do that (well,
craigslist, not SA) for non-essentials and I'm not poor. All you need
is an old pickup truck and you can get all sorts of stuff for cheap/free.
replace "roosters" with "cox" to reply.
I seriously doubt that's what keeps poor people poor.
Anywhere in the US, used washers, dryers, and fridges go for around $50.
More if you have to have newer or side by sides. What keeps poor people
poor is having to have that $600 fridge, pay 22% interest, and not paying
the payments when they could have owned one for less than the down payment
on the new one.
Actually, it all comes down to parental apathy and failing schools. The
ranks of the poor are rapidly growing not just due to the economy, but
due to the lack of education in basic life skills like balancing a
checkbook or budgeting.
That has been a pet rant of mine for years. Many or most parents
obviously are not up to the job, so the High Schools should teach a
course, at least a full semester, on 'Stuff you HAVE to know how to do
to survive'. Basic personal finance, how health insurance works, how
apartment and car leases work, why 'Rent to Own' is best avoided, etc.
Maybe throw in a week on basic car care, like how (and why) to check and
change oil, and how to change a tire and jump a battery, so you don't
get ripped off the first time that comes up. Make passing a requirement
problem paying fair compensation for actual needed repair work, done
properly. But in my younger days before I caught on, and in talking to
siblings and coworkers about the experiences of them and their
relatives, I find 'wall jobs' to be epidemic. Lotta crooked tradesmen,
shops and shadetree guys out there, and their favorite prey are the
inexperienced and untrained people who have no idea what the hell is
going on. Most females get NO training in house and car repairs growing
up. Most guys that think they are experts, aren't. I grew up in
construction, and have turned a wrench or three, but am still clueless
about a lot a specialized or modern stuff. But when I call BS when they
try to rip me off on the things I DO know about, I have to wonder about
what is going on with the things I know nothing about.
'Caveat Emptor' came about for a reason.
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