Tag Archives: Shopping

Is it Racist, Discrimintory, or Stupid?


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I never claim to have all the answers or always to be correct. For this post I need your help because I can not reconcile how I feel. A couple of days ago I saw this sign and my brain locked up! I could not figure out how I was feeling. Was I angry, was I dumbfounded, did I agree, was I over-analysing. WTF was going on in my head over this seemingly simple sign. Is this statement Racist? Are they unfairly targeting minorities / African-Americans? Are they profiling? are they discriminating against our youth? Can they legally enforce this policy? Who died and made them the GOD of choice or good taste. The more I stared at the sign the angrier I became and the more confused I became. As you my savvy followers already know from my last post on this saggy / baggy pants issue and what I am trying to carry out with this site. That this is touchy for me. Go back and read that last post here https://breakitdownpete.wordpress.com/2011/08/05/baggy-pants-seriously/ and you will understand why I feel the way I feel about this sign. Well now it’s your turn to answer some of these questions that I am having such a hard time answering. Is it racist? First thing to consider. Do only minorities wear saggy pants or hoodies? My answer is NO. But then they had to throw in the DU-RAG. Now this I do tend to associate with minorities, specifically African-Americans. What say you? Next to consider, are they profiling? My answer is Yes. But Are they? Are they associating this style with the dangerous, the disruptive, the un-educated, the troublemaker? Or are they just stupid and over reacting to their customers who do not like this style? Did their customers even complain? or is this company jumping the gun anticipating this to be a problem with their customers. Are their customers racist? and aren’t the people who chose this style also their customers? after all this is a business geared towards the young. Should we now judge people by their taste and style of clothing? How about people who wear skinny jeans, wife beater tee shirts, piercings, tattoos etc.If you are wearing a hoodie are you a trouble maker or predator or are you just cold and this is a comfortable multi purpose sweater / jacket. If you wear a Du-rag are you a rapper, drug dealer? If you wear baggy / saggy pants are you a gang banger or a recently released convict? Maybe yes and maybe no to these questions. But should you be judged any more for your choice in clothing than say a woman is judged by her clothing when she is sexually attacked because of how she dresses. Or should we judge a wall street worker by the suit he wears and assume he is good and financially secure when in reality maybe he is a financial phony deep in debt, a schemer running a Ponzi scheme, or a wife abuser, cocaine addict. So what is this sign really saying? Is it saying we don’t want your kind, your trouble making kind, your minority kind, your black kind…. Am I completely wrong on this one? Am I over reacting? I just feel so strong that we need to educate our youth and guide them, not minimise and push them away.

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Filed under Current events, Life, Parenting

Auto salesman exposed


Hunny he is so sweet, such a nice family man, can you believe how gutsy he was to go storming back into the sales managers office and fight for us to get us this great price on the very last car in inventory that we really wanted. And to sell it to us with out the dealership making any money on the deal. I mean we are so lucky, should we offer him a tip or invite him over for dinner?  Son-of-a-bitch i wanna stab myself in the eye with a pencil right about now. A scenario similar to this plays out across America on a daily basis. Back up ladies, take a deep breath, don’t get your panties all twisted and in a bunch. This conversation could be a man talking to a women or a woman talking to a man. What i need you all to do is to continue reading and to think.  SALE – SELL – SOLD – These are some of the most powerful and manipulated words in life!  Just about every moment of the day YOU are being sold something!! Check this out, this is how my mind works. You wake up and turn on the TV for the news. The power company is now selling you electricity to power the TV for profit. The news is selling you information for profit via commercials, the commercials are selling you products or idea’s, or a life style for profit. I could go no and on for ever. And I will in future post but for now let’s get back to the devil in carne our glorious knight in shining armor – THE AUTO SALESMAN. By definition this man or womans job is to sell you something for PROFIT! All salesman have an agenda. It is to make personal profit or advancement period!  They will do and say anything to make the sale, it is how they make a living. Shit believe and understand this and you will be better prepared not to get taken advantage of. check out this article, confessions of a car salesman http://www.popularmechanics.com/cars/news/industry/confessions-of-a-car-salesman-5681350?click=main_sr  Then let me BREAK IT DOWN for you with just 4 of the many things an auto salesman will not tell you and hope you don’t know. (1) ” I’m getting a secret incentive to push this car” Most dealer and manufacturer incentives aren’t hard to uncover. Rebates, low-interest rates and other inducements are often advertised or easily found with a little research on car sites such as Edmonds. What is much tougher to find out is how much is the DEALER CASH offered by the manufacturer. It is some where typically between $500 and $2,000 that manufacturers quietly make to the dealer so they can push their slow-moving models of cars. There is some thing else known as the HOLD BACK. This is a percentage of the cars sticker price, that the manufacturer pays to the dealership after the car is sold. Usually 2-3% Dealerships view holdbacks as pretty much untouchable,  Car dealers want this money and will fight tooth and nail not to give up or share any of this money with you.  The reason I am telling you about this is so you can see how much bull shit the salesman is giving you when he tells you they are not making any money on your deal. “Dealer cash, is another story. You can get some of this money as long as you can find out about it. I will share a little salesman trick with you now. always act like you already know and say it like this strong and confident. “HOW MUCH IS THE DEALER CASH ON THIS instead of ” Is there dealer cash on this?” Grow some ball’s damn it! and check several dealerships, you’ll probably get a good idea of the amount available. (2) “sticker shock is built into this deal”  Invoice pricing — what the dealership pays the manufacturer for a vehicle  is no longer a secret,  You can find invoice costs on a number of websites, Like TrueCar. What you need not forget is that there are additional costs that can add thousands of dollars to a car’s price — costs that can’t be negotiated away. Early in your negotiations, you should ask what these fees will add to the purchase price so that you can negotiate with those in mind. What you can do, though, is asked for a lower sales price to help offset these fees. And it may help to focus your negotiations on the “out the door” cost — the total price, including all required taxes and fees, that you have to pay to get the car. (3) “You will get a better deal from the internet department”  What people typically don’t understand is that the car buying is more transparent, and salespeople have more authority, in the dealerships’ Internet departments, You can take advantage of this setup. From the comfort of your home, you can solicit lowest-price quotes on a car from a bunch of dealerships at once. (4) “Knock yourself out negotiating a good price; I’ve got plenty of other ways to fuck you” Price is just one of the many moving parts of the typical car deal. Three other important factors are:

The add-ons — paint sealant, car alarms, rustproofing, gap insurance and so on — are huge profit centers for dealerships. For example, a dealership might charge $300 for “fabric protection” that you could do yourself in a few minutes with a $5 can of Scotchgard. Almost any add-on you can get a better deal if you shop it around outside the dealership.

Consumer Reports has long warned against buying extended warranties on most products, including cars, saying their expensive protection against unlikely repairs. But some buyers like the security of an added layer of assurance. Still, you may be able to get an extended warranty for a significant discount by shopping around.

You also should know the trade-in value of your current vehicle so you don’t get lowballed. Most car-comparison sites offer some kind of appraisal calculator; use a few different ones so you have a ballpark idea what your car is worth. If you want to get the maximum value for your car, you should sell it yourself, but you should compare the typical “private party” sale price to the trade-in value to decide if it’s worth the hassle.

If you aren’t paying cash for your car, you should know that dealerships routinely mark up the interest rates on the loans they get from their warehouse lending sources.To make sure you get the best deal, arrange a loan with your credit union or bank before you step onto the lot. If the dealership can give you a better deal, you can cancel the other loan. If not, you’ll at least have financing at a reasonable cost. “That great deal we advertised? You won’t get it.”

You typically have to have good to excellent credit to win those low-interest loans that dealers and manufacturers advertise. Exactly how good your credit needs to be varies by the deal and often isn’t disclosed in advance.

Equally elusive may be the base model of any car design. Manufacturers may tout the low cost of a new car, but chances are, they’re citing a stripped-down model that you’re unlikely to find at any dealership.

“The dealerships aren’t going to have the base model on the lot”. “That’s just a teaser to get you in the door.”

As always, the key to a smart car purchase is to do plenty of research before you ever talk to a car salesperson.

“The more prepared you are before you go shopping,”  “the better off you’re going to be.”

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Filed under Current events, Financial opinons, Life