Posted by jackinok on July 27, 2012 at 12:46:29 from (162.58.82.136):
In Reply to: OT - I hate banks... posted by Lyndon - AB on July 27, 2012 at 12:06:11:
i dont hate banks,wish i owned about 20! seriously though its easier to get money for a new truck simply because if something happens and they do get it back its easier for them to resale. put yourself in their position, and it makes it easier to understand. Im not saying its right but thats their thinking. heres a common scenario.they loan you the money for an old used truck.since its old and used it breaks down on you. since you need that truck to haul logs to make money you simply cant work ,without working you go belly up,they come get the truck and they are now the proud owners of a used broken down truck. for them ,and in many ways EVEN FOR YOU,the new truck is a much better option simply because you can concentrate on logging and MAKING money to repay your loan,instead of spending one or two days a week spending money repairing a truck you need to get paid. its not anything personal,its nothing really to do with age,its simply good buisness. now a older fellow who has 100,000 in the bank walks in ,they probably will give him the money,simply because if he defaults their going to take the money to repay the loan out of his account and he can take his broken truck and do as he pleases with it.
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