Posted on 08/02/2019 8:39:26 AM PDT by rightwingintelligentsia
4 hrs late and then attitude. I would have fired the little turd immediately.
I’m in commercial lending and frequently get requests from men in their 20’s.
Two weeks ago I got a request from a millenial who had a newer truck, a toy hauler, a side-by-side ATV—all toys financed by debt. He owned no home and had less than $2,000 in his bank account over the 3 months I reviewed. His credit was good, around 750 or so.
He had been working as a laborer (which is honorable, IMO) but now wanted to become a truck driver and was looking for $90,000 to buy a decent used semi truck but didn’t have his commercial driver’s license yet. He was going to put a driver in the truck until he got his CDL.
I called him to let him know we would not finance him and laid out the very specific reasons (no cash, no assets, no CDL, startup business with no experience in that industry, etc.) and he couldn’t believe we wouldn’t “rubber stamp” an approval because his credit score was so good.
I told him exactly what he needed to do if he wanted to get his business started (sell the toys, sacrifice, get his CDL) but he refused to do it. He called me every business day for a week trying to dictate the terms of a loan to him. After trying to help him see the light, I finally told him that we have the money he needs, so we set the terms and that’s how it works, period. No amount of complaining or “negotiating” would change what he needed to do to get a loan.
His response was something like, “Well, I got your name from a good friend who said you guys really helped him out with his truck. I guess you’re really not that good at recognizing good business.”
Not all millenials are like this but I almost never run into someone with this attitude who is over 40.
I am in my 50’s and I have one male friend at work in his 60’s. He seeks me out for advice and is a nervous type who could be clingy if I allowed it, he’s broke thanks to his ex-psycho wife, he seeks advice and won’t listen to it and is in chronic misery-I think he has to have it. I don’t go to his house and he’s certainly not coming to mine. We talk at work and that’s it.
I have a couple of female friends at work, who are quite civilized and charming, we exchange birthday presents and Christmas presents and on a few occasions go to each others houses or hang out together with each others families. Mainly family comes to my house and I got to families houses. My wife and I are just not big on parties and entertaining a bunch of non-family people.
A lot of millennials have never heard the concept of “the customer is always right.” Good customer service is rare in most places these days.
Well, they still have their iPhags. Their lives seem to be tied up in the little plastic boxes.
You’re lucky he didn’t stump his toe and sue you.
I bet the correlation with “has no dad” is extremely high.
Only two friends. We grew up together, graduated H.S. same year. Know each other’s background/secrets. Can’t put any ‘airs’ around each other. Now over 50 years... Can’t beat real friends. Military folks I worked/served? with - not so much, more like acquaintances... Same with Civilian co-workers...
Our great nephews are actually afraid of the outdoors. Even going into our attached garage is too much because the garage door might be open. Tried to talk to their dad about this more than once and his reply is that’s his ex’s department. One is so withdrawn he’s going to make headlines one day.
Anymore? Twenty years ago a nosy neighbor would get out of sorts because ours played in our fenced yard and sometimes walked (with the dog and me watching) down the street to a relative’s house. Older, it was riding bikes. Oh, the horrors!
A beauty shop was in the news recently for refusing to do that so was getting sued.
A truck before the CDL? Sort of like kids before the marriage license.
Friends used to be people who knew your secrets and you could trust. Not only is it not safe to let anyone have any ammunition against you any more, you can’t even say what your real opinions are to them without fear of reprisal.
Now, that's scary.
Oh, After this conversation I threw him off the property.
Then I get a Facebook message saying “thanks for wasting my time”
I also tried to contact another FB advertiser and he said no because I had ‘negative reviews’... I don’t even know where these ‘reviews’ are but I wish I could see it.
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