short time(dream cue) financing!!

Sompin2do said:
I was in no way saying the maker was trying to screw anyone, and you don't see that in my first post, but what I did say was that the banks are waiting to take advantage of the average American.
Thanks for your assumptions but I never defaulted on ANY loan and I'm NOT high risk or had a vehicle repo'd but I do have 2 other PAID for collectible Mustangs :D
I see you're in Corpus so you're not one of the 60 houses less than 5 years old I pass every morning that are for sale. Why? Because most of them got in a house THEY couldn't afford from one of those "helpful financeers". Are they helping now? Helping them put food on the table or keep the lights on? Not a chance. And I don't want MY hard earned money bailing them out when THEY file bankruptcy!
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Congratulations on your little ponies.

So you think no bank should ever offer financing because they are talking people into stuff they can't afford and thats the banks fault not the consumer, you're kidding right? Its the finance companies fault these people can't pay their bills. I get it now its everyone else fault but the irresponsible asshat that put his family in a financially tough situation. Thanks for making sense.

I never said you defaulted I said the average joe has. Its not the finance companies fault these people got into a house they couldn't afford. How can you rationally say that. Are we not responsible for our own financies? No one forced anyone to buy anything. Your thought process is so very typical of the average irresponsible jackass that blames anyone and everyone for his shortcomings. They have no one to blame but themselves, no one forced them to buy anything.
 
Bishop said:
Congratulations on your little ponies.

So you think no bank should ever offer financing because they are talking people into stuff they can't afford and thats the banks fault not the consumer, you're kidding right? Its the finance companies fault these people can't pay their bills. I get it now its everyone else fault but the irresponsible asshat that put his family in a financially tough situation. Thanks for making sense.

I never said you defaulted I said the average joe has. Its not the finance companies fault these people got into a house they couldn't afford. How can you rationally say that. Are we not responsible for our own financies? No one forced anyone to buy anything. Your thought process is so very typical of the average irresponsible jackass that blames anyone and everyone for his shortcomings. They have no one to blame but themselves, no one forced them to buy anything.
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Of course it's the consumers fault and they deserve to have to figure their own way out of the mess. I'm just tired of the finance companies taking advantage of regular Joe's. Any chance you're in the banking business? Collections maybe? I see my stance has really struck a nerve.
 
Sompin2do said:
Of course it's the consumers fault and they deserve to have to figure their own way out of the mess. I'm just tired of the finance companies taking advantage of regular Joe's. Any chance you're in the banking business? Collections maybe? I see my stance has really struck a nerve.
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Nope not in either I'm on the other side, the comsumer side. I attempt every means available to get my customers a great rate or deal. They (the banks) aren't taking advantage of anyone, thats what struck a nerve. Its always up to the consumer to do or not do anything. Now cash advance places I would tend to sway your way but its not like people are forced to do that either.

Being in sales and I see banks give customers the benefit of the doubt time and time again. Some underwriters will take a chance on high risk customers if other areas of their personal life can match up well, more so than anything its to simply see the smile on their faces when they get what they want.

The consumer gets big stupid bug eyes and leverages their families well being for all kinds of ridiculous stuff. That has nothing to do with the banks taking advantage of anyone. You're putting the blame on the wrong party. You don't like the deal, rate, term, penalty....don't do it. Its not taking advantage if no one forces you to do it. What if the bank was more responsible and refused to lend the money to anyone of any risk, then what, the banks don't do enough for us....we're getting screwed. It makes no sense what you are saying.
 
Ok, the time goes back to Bill, to the original purpose :cool: Or cue junkies to get their fix before going into withdrawal.....I feel the effects already _---__---___--__--*fingers shaking_----___--_-
 
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Bishop said:
Nope not in either I'm on the other side, the comsumer side. I attempt every means available to get my customers a great rate or deal. They (the banks) aren't taking advantage of anyone, thats what struck a nerve. Its always up to the consumer to do or not do anything. Now cash advance places I would tend to sway your way but its not like people are forced to do that either.

Being in sales and I see banks give customers the benefit of the doubt time and time again. Some underwriters will take a chance on high risk customers if other areas of their personal life can match up well, more so than anything its to simply see the smile on their faces when they get what they want.

The consumer gets big stupid bug eyes and leverages their families well being for all kinds of ridiculous stuff. That has nothing to do with the banks taking advantage of anyone. You're putting the blame on the wrong party. You don't like the deal, rate, term, penalty....don't do it. Its not taking advantage if no one forces you to do it. What if the bank was more responsible and refused to lend the money to anyone of any risk, then what, the banks don't do enough for us....we're getting screwed. It makes no sense what you are saying.
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Surely you don't believe the underwriters are taking a chance in order to see a smile on the consumers face? The second they get out the door the underwriters are counting commissions and don't give one blink to the consumers well being. You're right, we do get big bug eyes for ridiculous stuff. So now you've helped me make my point. How ridiculous is it to finance a pool cue, a set of golf clubs, a TV, a computer.....I could go on and on. Just to put a smile on our faces? Have a great life!
www.daveramsey.com
 
We offered this to help spur the market and give the opertunity to alot of people that could never seem to hold on to enough to get what they truly wanted!also we shopped for months to provide the safest and best rate available! and to provide 0% it cost us to use that! but that was the best we could get (NON SECURED)! and we sold 9 big cues and 8 in house finiancing! look at it this way, you want a 4500.00 cue all you have right now is 1700.00 we put the rest on a 0% for 12 months at 235.00 per month. now you get the cue that would have sold by the time you saved up enough!w
 
Sompin2do said:
Surely you don't believe the underwriters are taking a chance in order to see a smile on the consumers face? The second they get out the door the underwriters are counting commissions and don't give one blink to the consumers well being. You're right, we do get big bug eyes for ridiculous stuff. So now you've helped me make my point. How ridiculous is it to finance a pool cue, a set of golf clubs, a TV, a computer.....I could go on and on. Just to put a smile on our faces? Have a great life!
www.daveramsey.com
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whats nice is I use 0% cards all the time as long as you pay promptly your good!! why use my money when you can use theres. my cars are 0% and the oly thing i pay interest on is my 2 homes one is 4.9% and the other is 6.25% it is a great thing!! i use there money while mine collects interest!GOD LOVE THE U.S.A.!!!!!!!!!!
 
Sompin2do said:
Surely you don't believe the underwriters are taking a chance in order to see a smile on the consumers face? The second they get out the door the underwriters are counting commissions and don't give one blink to the consumers well being. You're right, we do get big bug eyes for ridiculous stuff. So now you've helped me make my point. How ridiculous is it to finance a pool cue, a set of golf clubs, a TV, a computer.....I could go on and on. Just to put a smile on our faces? Have a great life!
www.daveramsey.com
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If you don't want to finance a TV, Computer, Golf Clubs or cue then don't. Guess what its your choice to do it or not, but don't go around blaming the finance companies for giving you a loan you couldn't fulfill. How immature are you?

You're going to have to do more than to quote one persons slanted view on a website. Thank god you aren't representing anyone in debate class.

You're not a very intelligent person are you. I said the smile is basically a by product of over looking poor previous credit and taking other things into account such as time on the job, income, length of residence, maybe a previous loan that has gone well with that bank. They will work harder for you to make you happy if they can find other areas to better match you up with the loan YOU are trying to get. You don't seem to know anything about financing or how an underwriter works. There are lots of times I've had a local underwriter overlook a bankruptcy from 5 years ago or a repo to lend a customer a loan because he's got other good credit and solid work history.

What does an underwriters commission have to do with your inability to chose a loan wisely......absolutely nothing, do you realize most aren't on a commission? Are you so easily convinced to do anything that its all someone else's fault when it goes bad? Grow the hell up and be a man and take responsibilities for your shortcomings.

You're wrong its that simple and you shouldn't blame banks, underwriters, loan collectors, the credit bureaus for you inability to make good decisions with your finances. They offer a service take it or leave it but its up to you not them. They are not responsible for your well being its not their effing job, are you that ignorant as to think its their fault for you getting over your head? God I hate people that assume there is always someone to blame when things go wrong.

Disclaimer for the ignorant: When I say "you" I mean the "consumer" not you personally.
 
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cornerstone said:
We offered this to help spur the market and give the opertunity to alot of people that could never seem to hold on to enough to get what they truly wanted!also we shopped for months to provide the safest and best rate available! and to provide 0% it cost us to use that! but that was the best we could get (NON SECURED)! and we sold 9 big cues and 8 in house finiancing! look at it this way, you want a 4500.00 cue all you have right now is 1700.00 we put the rest on a 0% for 12 months at 235.00 per month. now you get the cue that would have sold by the time you saved up enough!w
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Non of that makes any sense to him. STOP TRYING TO SCREW HIM WITH 0% FINANCING.
 
Bishop said:
Non of that makes any sense to him. STOP TRYING TO SCREW HIM WITH 0% FINANCING.
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Now you're narrowing down your audience to the smallest percentage of people that really can qualify for 0%. BTW, I'm one of them. I hope you don't feel like your livelyhood is being threatened by people that would refuse credit in order to pay cash later. By your tone throughout the day I'm guessing the sales job you're in relies heavily on people willing to fill out your credit application for anything they purchase. Be honest now. How many of those people can qualify for 0%? Do you think the commercials on TV and radio emphasize that even people with FICO scores of less than 550 can get a loan are doing so to attract the people that can qualify for the best rates?
You continue to slam me as a person and yet all I did was weigh in on the topic. I'm not in over my head, AND take FULL responsibility for EVERY one of my actions past and present including the STUPIDITY of having the debt I have. If you're over 40 why don't you ask your grandparents and great grandparents how they bought things. Don't think you'll hear the word CitiBank out of their mouth.
Last time I checked, we live in a country where we have that right to voice our opinion. Oh yeah, I served 21 years in the greatest Air Force in the free world to protect my right....and your's.
 
Sompin2do said:
Now you're narrowing down your audience to the smallest percentage of people that really can qualify for 0%. BTW, I'm one of them. I hope you don't feel like your livelyhood is being threatened by people that would refuse credit in order to pay cash later. By your tone throughout the day I'm guessing the sales job you're in relies heavily on people willing to fill out your credit application for anything they purchase. Be honest now. How many of those people can qualify for 0%? Do you think the commercials on TV and radio emphasize that even people with FICO scores of less than 550 can get a loan are doing so to attract the people that can qualify for the best rates?
You continue to slam me as a person and yet all I did was weigh in on the topic. I'm not in over my head, AND take FULL responsibility for EVERY one of my actions past and present including the STUPIDITY of having the debt I have. If you're over 40 why don't you ask your grandparents and great grandparents how they bought things. Don't think you'll hear the word CitiBank out of their mouth.
Last time I checked, we live in a country where we have that right to voice our opinion. Oh yeah, I served 21 years in the greatest Air Force in the free world to protect my right....and your's.
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You make no sense. What does your work in the airforce have to do with you thinking lenders who give you money are out to screw you. You could serve 50 years and you'd still not get it. Your opinion is fine its just inaccurate and makes no sense at all.

If you don't like the terms don't take them no one forces them down your throat. If you have a 550 and can't get 0% down that doesn't mean you shouldn't be financing. My god you're a wall of stupidity. How do you function?

My FICOs are 680, 695 and 705 and guess what I financed a TV, why....because I wanted to pay 60 a month at a low rate on my credit card rather than drop 3k at one time. Doesn't mean I was screwed and it doesn't mean I'm living above my means it means I utilitzed available credit to obtain an item and pay a little interest for the convience of getting it now. Why is it so hard for you to get it. No one made me buy the TV its my decision. If I default on it and they come and get it and they still make me pay for it that doesn't mean they screwed me, it means I screwed me. Don't you see the difference?

No one qualifies for 0% on anything I sell because there is no such thing as 0% in the recreational world of financing. You wouldn't know that though because you're only capable of talking out your ass and accusing people of screwing you. What the lenders are trying to do is good business with the general public who actually seeks them out for lending.

I thought you were done.

I'm not over 40 either and I don't need my elders to explain smart money management to me. Credit was around 40 years ago too. What sales job doesn't need people to fill out credit applications, how backasswards do you really want us to live? Why are you so mad at people that use credit or better yet the people that offer it to us? Its life and its not going to change. You want to be mad at financing be mad at the consumer for signing up not at the lender for offering their services or the debt collection company trying to recoup the lenders loss when you decided to stop paying. Thats your problem, thats where you're wrong. You blame the wrong person. Blaming the people who lend the money for the people who take the lending and default on it is wrong. You need to understand that already.
 
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Sompin2do said:
Now you're narrowing down your audience to the smallest percentage of people that really can qualify for 0%. BTW, I'm one of them. I hope you don't feel like your livelyhood is being threatened by people that would refuse credit in order to pay cash later. By your tone throughout the day I'm guessing the sales job you're in relies heavily on people willing to fill out your credit application for anything they purchase.
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To answer your question yes I rely on applications just like the boat, motorcycle and auto industry do.

I love cash buyers. I don't have to worry about overcoming the headache of lining up financing and the time envolved with that when people come in and pay cash. I don't feel threatened at all.

Just keep in mind that the guy who comes into a typical car, boat, RV, motorcycle dealership talking about paying straight up cash usually gets a worse deal that the guy who needs financing. Not in the actual interest area because these loans can all be paid off with little to no interest accumulated so long as you pay the note off early. They get screwed on the bottom line....care to know how Mr. Smart cash buyer? Wanna learn something or do already know everything.
 
Sompin2do

You talk like being a Millionaire is something, in today's financial market a Millionare is a MINIMAL player........
 
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Bishop said:
To answer your question yes I rely on applications just like the boat, motorcycle and auto industry do.

I love cash buyers. I don't have to worry about overcoming the headache of lining up financing and the time envolved with that when people come in and pay cash. I don't feel threatened at all.

Just keep in mind that the guy who comes into a typical car, boat, RV, motorcycle dealership talking about paying straight up cash usually gets a worse deal that the guy who needs financing. Not in the actual interest area because these loans can all be paid off with little to no interest accumulated so long as you pay the note off early. They get screwed on the bottom line....care to know how Mr. Smart cash buyer? Wanna learn something or do already know everything.
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I pretty much figured you as a youngster from the start. Who do you convince that buying on credit gets a better deal than cash? Are you serious? If you can sell that line of garbage then you need to run for office. I'm sure Hillary will need people like you to sell us all on socialized medicine too. You keep cruisin down the credit line junior and people like me will be there to buy your toys when you're getting foreclosed on. It's a shame there's so many of us (notice I said us) that have bought the debt lies for so many years. And I'll say it one more time. NOBODY is to blame except the CONSUMER who got sucked in.
 
Sompin2do said:
I pretty much figured you as a youngster from the start. Who do you convince that buying on credit gets a better deal than cash? Are you serious? If you can sell that line of garbage then you need to run for office. I'm sure Hillary will need people like you to sell us all on socialized medicine too. You keep cruisin down the credit line junior and people like me will be there to buy your toys when you're getting foreclosed on. It's a shame there's so many of us (notice I said us) that have bought the debt lies for so many years. And I'll say it one more time. NOBODY is to blame except the CONSUMER who got sucked in.
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I'm not a youngster by any means I'm just not 40 and simply attacking my age gives you even less merit. See you have no idea how it all works. Lets see if you can understand this smart guy.

Most importantly read this because it proves everything you said is wrong. I'm not trying to convince anyone its simple fact and its how business is done daily, like it or not its the way it works.

Lets take a car dealer okay. He has a vehicle that cost the dealership 10k and it lists for 18k. The banks will only advance 50% + cost which would equate to 15k. So if the salesperson wants to net the full 18k he wants he'll have to ask for some money down to overcome the advance issue with the bank or hope the guy has some postive equity with a trade or something. When someone pays cash that is a non issue. Most salesmen will come down in price because their customer can't come up with the 3k down payment needed to make the purchase. With a cash buyer you never have to worry about overcoming a limit or ceiling with the banks advance guidelines. You can hold more gross profit on the cash buyer because you have less objections to overcome such as advance or downpayment issues. Sometimes with financing you're forced to lower your price even if the customer doesn't ask for it. Never an issue with a cash buyer.

I don't expect you to understand that but its a reality. Never ever tell your salesperson you are cash buying. In no way does cash buying entitle you to some magical discount. The bank cuts us a check just like you do only less hurdles to overcome in closing a cash buyer so the salesman can attempt to hold more gross on you. In the big picture its very likely that even with a few years of interested accumulated the person who financed gets a better overall deal than the cash buyer. I know this a ton for you to swallow but I've been doing this for years and I know all the sales tricks in the book, don't fool yourself by thinking you have it all figured out because you don't.

With financing no matter how bad you interest rate is you can overcome it by paying it off early and avoiding the cumulative interest. If you pay 15k for something and accumulate 1500 in interest that is still better than the 18k cash buyer who avoided financing. Hopefully simple numbers can make sense to you.
 
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Being a old geezer, once unpon a time being a Millionaire was a notable financial milestone
 
cornerstone said:
Nick,you hit it on the head! we have the opertunity for everyone and call and we will set it up for you! i hear to often, i have to sell this or waiting for a tax return,ect! we are making shure you dont loose out on the cue you want! you can go thru the bank or us! we might be more gracefull if you are behind on the balance
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Billy Webb cues .. pm me what is the down payment..
 
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