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Lynne Leichtfuss
Social climber
valley center, ca
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Topic Author's Original Post - Aug 9, 2009 - 06:56pm PT
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Offered to donate a clunker for cash to Blitzo today. This new program can't help him due to unkind credit history.
I have been trying to sell our gas hog delivery van and buy a more user friendly vehicle for our business. Friends suggested lynne do the clunker to cash program. I can't. Dan was my credit history. Even tho our business has good credit history the dealers all want lynnie to cosign. I don't have the credit history. Dan did. It pretty much sucks. We are paying twice as much monthly on the van than I would on a new, less expensive vehicle. Duh, I can make the payments Guys.....
What really ticks me off....I have well off aquaintances that are turning in their third or fourth car and getting beautiful new ones.....they seem to be the only ones benefiting from this program.
Soooo what's the diff between the administrations ? School me.
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John Moosie
climber
Beautiful California
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tax wise.. not much except the uber rich need to pay a bit more. 1 to 3 percent is all.
spending wise.. not much, though some will say its a lot while they ignore the hole he was given versus the surplus Bush was given.
philosophy wise. Lots.
obama seems to believe in trying to work with people. Not just boss them around. Bush and gang were all about bossing people around.
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Lynne Leichtfuss
Social climber
valley center, ca
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Topic Author's Reply - Aug 9, 2009 - 07:05pm PT
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Moosie, philosophy and ideas are great but this single chick trying to keep a business and her life alive during this time needs Help. And I am good for alot. The gov still makes it work for those that have the bucks. Peace, lynne
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John Moosie
climber
Beautiful California
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" And I am good for alot"
then you need to find a personal banker and convince them of this.
Obama isn't going to be able to help much accept try and turn the recession around, as he inherited a huge hole. Not much he can do, and yes, the program mostly helps those with money and the auto industry. The hole we are in means it is difficult to just let a large industry totally collapse. too many jobs would be lost and the recession would deepen even more. This would jeopardize your business even more.
As for philosophy, well Bush's philosophy got us into a war that has cost us trillions. Plus it got us into a serious financial crisis. That financial crisis is directly affecting you. Will Obama's philosophy get us out? Possibly, but it is too soon to say. We are in a deep hole.
Lynne, I know things are rough, but I can't help wondering if you are hurrying your decisions too much. Have you talked your decisions over with your family? Once you sell your home, are you planning to buy another? What about your business?
I am just concerned. You don't need to answer these questions if you don't want to.
John
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happiegrrrl
Trad climber
New York, NY
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Lynne - Now that Dan has passed, if you need to use credit, then you will need to develop a credit rating/history. Many women found themselves in exactly the same place(no credit history) when their husbands passed away, or they divorced, or the husband became incapacitated. It is a good idea for married people to work together to build the credit of them BOTH, and not everything under one's name.
Yo probably already DO have some credit, I would think... No credit card in your own name? What about payments being made on mortgages/vehicles and such? Not even a JCPenney or other dept store card????
Talk to your banker about establishing your credit; I am pretty sure you can get the banks/credit cards people to make a notation TO the credit reporting services if you have been dealing with these credit sources and they have not reported anything.
If you took over payments on things that were in your husband's name - see if you should update the info to reflect that you have been making those payments.
IF you can buy a new vehicle outright - USE THAT as your OWN incentive to the vehicle dealer to get a better deal that they would offer with financing.
edit: Your business MUST use credit with it's suppliers, no? Go talk to your banker and see how to leverage that.
Also - You should get a personal credit report to see what is actually on yours. They are free, and can be ordered every (I believe) year or 2.
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Bob D'A
Trad climber
Boulder, CO
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Why would blame Obama for the banks loaning money?
Hope you get a new ride.
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Lynne Leichtfuss
Social climber
valley center, ca
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Topic Author's Reply - Aug 9, 2009 - 08:55pm PT
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Talk is always cheap, in fact doesn't cost a penny. I have an intelligent family and I am about 50/50...hehe. (trying to keep it lite here). We've discussed this and more ad nauseum. I fall into a catagory that is not really addressed.
What I am trying to point out is the rich are taken care of no matter who is in office. period. That's why I quit the republican party. But ..... other parties are not much different. Maybe in Philosophy, but when you need help there is very little. Other than names, faces and philo, sheee no one seems to be any different. Hey, I'm jess sayin. I appreciate all your suggestions and will answer in depth later.
Shampooing carpets and cleaning out closets and it is hot out here in Cali today. Smiles and Peace, Lynne
Edit: Oh yeah, and if cash for clunkers was a republican program and I wrote this thread I'd have a heck of a lot more posts than what 8 ????? Reasoned logic .....not putting your hope and salvation in a political party.
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Captain...or Skully
Social climber
Boise....
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First, ya can't say Philo, since we HAVE a Philo.(respect!)
Second, You can't ever conclude that the PEOPLE will EVER be "taken care of".....Never happened, never will.
Sorry it didn't work out for ya.
Dirtbag's truth.
We STILL love ya.
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zip
Trad climber
pacific beach, ca
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Lynne,
Your credit is always good with me, and i credit you with having over 7000 posts on this forum. Most of it in the last 6 months.
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Bob D'A
Trad climber
Boulder, CO
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It's mind boggling to me that the bar it set so high for Obama and was lowered to a new low with Bush and no one is holding Bush accountable.
Obama can't sneeze without someone saying he did it wrong.
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John Moosie
climber
Beautiful California
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the messiah is always held to a higher standard. Why would you hold a 3rd grader to as high a standard as the messiah?
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Bob D'A
Trad climber
Boulder, CO
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Aug 10, 2009 - 01:11am PT
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The man has been in office for 200 days...fighting two wars, a financial meltdown and still has the gumption to take on health care.
Look what the other guy started with and look how he ended.
Obama is no messiah...he is the president of the United States in a very difficult time.
I wish him the best.
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Jaybro
Social climber
Wolf City, Wyoming
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Aug 10, 2009 - 07:42am PT
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He still has my vote and these are about as challenging times as could be experienced. I don't expect him to be god, just competent, what a paradigm shift that would be!
" the rich are taken care of no matter who is in office. period. That's why I quit the republican party. But ..... other parties are not much different."
Yup, I vote the individual not the party. But, when was the last time there was a respube worth voting for? Has there been one in my life time (1956 0n)?
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Karl Baba
Trad climber
Yosemite, Ca
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Aug 10, 2009 - 10:11am PT
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The cash for clunkers program was designed for industry to sell new cars to stimulate the economy, save the auto industry and perhaps get some gas guzzlers off the road and throw a bone to the middle class.
After all, what's $4500 to the rich.
The middle class, however, is a long way from us dirtbags who might feel that buying a new car is pretty decadent in the first place. A cash for clunkers program for us would be some cash to buy a clunker.
I matters not who is president. You'd have to have Fidel Castro or somebody that lefty in office for the program for it to require sales to people with weak credit histories. After all, the meltdown was blamed by many as caused by too much money being loan to those without the ability to pay.
Sorry that Lynnie just seemed to slip between the cracks. Nobody's fault except in hindsight. There's a million wise things we "ought" to do and cultivating a credit history, even on both sides of a marriage, turns out to be one of them.
Peace
Karl
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happiegrrrl
Trad climber
New York, NY
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Aug 10, 2009 - 11:18am PT
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And it sounds like the Supertopo Cash for Clunkers program is doing damned well - Blitzo's Subi is going to be back spinning it's wheels because of it!
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Lynne Leichtfuss
Social climber
valley center, ca
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Topic Author's Reply - Aug 10, 2009 - 08:29pm PT
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I have no "bar" for President Obama....I just think that if you lead our country you should have intelligent advisors that think of all the angles when they put forth a program like this. If it affected them they sure would. Stop with the long lunches, roll up the sleeves and make sure you don't miss anyone.
I can pay I just can't qualify. And as for establishing a credit record. I have one. It just can't support the business and me.
As I told my brother. You can do all the right things, but you cannot protect your life and all it contains. (Think "poor" German guy that lost money and only had millions, not billions and killed himself.) Given life circumstances anyone of us could lose all we have...even our lives tomorrow. I do the best I can. Life is a challenge. :D
No, it's ok God will take care of me. Still trying to point out here that the Gov. takes care of the well to do. No matter the party.
How do you think the wealthy get that way ? They are cheap tippers and squeeze every penney out of every day of their lives. Never been my trip. My day consists of people and the planet. Peace, Lynne
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Jaybro
Social climber
Wolf City, Wyoming
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Aug 10, 2009 - 08:34pm PT
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"I just think that if you lead our country you should have intelligent advisors that think of all the angles"
we survived the last eight years, who needs logic and common sense?
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apogee
climber
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Aug 10, 2009 - 08:49pm PT
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"The man has been in office for 200 days...fighting two wars, a financial meltdown and still has the gumption to take on health care.
Look what the other guy started with and look how he ended.
Obama is no messiah...he is the president of the United States in a very difficult time.
I wish him the best."
That's about right, D'A.
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Lynne Leichtfuss
Social climber
valley center, ca
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Topic Author's Reply - Aug 10, 2009 - 08:57pm PT
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Jaybro, Harsh.....
and everyone should call him President Obama....Obama lacks respect and he deserves it as the leader of our country.
Hey,I just tried to tap into the first program ever.....didn't work.
However, making excuses, apogee, doesn't cut it in my free market. The program gets a through go over or you die business wise. Our President has plenty of help to make this happen. It's all about decision making, putting plans into place and then forcing them to unfold....think Home Loan Remodification program that takes at least 180 days to go through the process. That's govt and banks at there best ...."working together to help the citizens." Ask Bachar. Peace, Lynne
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