Okay, but no. What kind of car should *I* buy?

[orthodoc]

Gee, tw, could you be any more of an asshole? 'A cash flow problem makes poor decisions necessary.' No. A cash flow problem mandates certain decisions/approaches that you obviously have no experience with. Lucky you. I had a cash flow problem in university: I had no money to pay my rent. Not my fault. My parents, who had sufficient income, chose to spend it on other things, and I didn't qualify for loans.

Did I make 'poor' decisions? No, I made the ones that let me survive. Others have explained the upside of being able to budget for a monthly expense rather than an enormous, unexpected repair bill. To forgo the supplemental warranty and bet that nothing will happen until enough money is put aside to cover a huge repair expense is not rational. That expense is as likely to happen soon as later. Your argument is moot.

But I refuse to play by your 'rules'. You are also an asshole. You clearly don't care, but don't accuse others of being 'emotional' or less than adult to cover up your own deficiencies of thought and experience.

[tw]

Originally Posted by orthodoc

Gee, tw, could you be any more of an asshole? 'A cash flow problem makes poor decisions necessary.' No. A cash flow problem mandates certain decisions/approaches that you obviously have no experience with.

Those decisions typically are short term and necessary with long term adverse consequences. Poor decisions. Anyone who has been in that position can appreciate that a cash flow problem (ie poverty) means life's expenses increase. Those poor decisions must be made, in part, because no alternative exist.

Thing that must be done end up, in the long term, costing significantly more money. Also called poor decisions that cannot be avoided. Also called a poverty trap. Explained is why poverty is so hard to get out of. Why do you have ignorance of the downtrodden?

Once in poverty, then things cost more. Including fees to cash a welfare or paycheck. Poor decisions.

Payday loans, a car loan, etc are all bad decisions that the poorest are force to make. Poor decisions that are difficult to avoid when in poverty. Clearly you have never been there.

At least I demonstrate sympathy for those with cash flow problems. You, instead, post obscenities like Lumberjim on his high horse. Why do you show so much contempt for one who clearly demonstrates sympathy for the downtrodden? Shame on you.

I suspect you might not be feeling well. Therefore did not grasp what I really posted. Maybe you want to reconsider your outburst.

[glatt]

So tw, how does this most recent post fit with your comment that "Anybody risking backruptcy because a car fails really should address a fiscal problem first."

You admit that the "poor" are stuck in a desperate situation that causes them to make decisions that will probably work against them in the long run. How are they supposed to "address their fiscal problem first," when they need to buy a car to get to work? And they need to make sure the car will be reliable, so they buy the warranty because they have no large nest egg.

You seem to be arguing against yourself.

[tw]

Originally Posted by glatt

You admit that the "poor" are stuck in a desperate situation that causes them to make decisions that will probably work against them in the long run. How are they supposed to "address their fiscal problem first," when they need to buy a car to get to work?

I did not 'admit'. I was bluntly saying that from the begining.

Captain Kirk also did not like a losing situation. So he made changes. Difficult being in a situation that requires such significant changes. Luxeries such as cable and mobile phone must go. Move to where mass transit exists. Get a trailer to live within walking distance. Ride a bike. Get into a car pool. Move into a room in another house or with the rents. Options exist. Every one is poor. If a car failure would create bankruptcy, then your existing life style was too expensive.

Remember, a car typically costs somewhere between 50 cents and $1 per mile. Is that job paying so much more as to justify the cost of a car?

Insurance is not about reducing a cost of living. Insurance is for catastrophic failures - that exceed $thousands. Therefore auto insurance is essential. Warranty insurance is not.

The house always wins. Addressing a bad fiscal situation includes not buying a warranty to enrich the house. That warranty is a luxery. Cars rarely fail catastrophically. Money must be directed to more useful items such as food. Whatever is needed to avert that cash flow problem is definitely not found in warranty insurance.

Contradictions mean you have misread what was posted. Insurance wa never to reduce costs.