Confessions of an Auto Finance Company Employee

So last Friday morning we were awakened out of our sleep by somone laying on our buzzer! If you've ever been awoken out of your sleep by any loud sound whether it be a baby crying, smoke alarm or whatever then you know how it leaves you in that sort of panic state. So I stumbled to the living room and politely, asked who was at the buzzer. Naw I'm lying I think I said something like "who the hell is this?"

The respondant stated they were with some auto recovery place and they were looking for the previous tenant. I yelled back they don't live here or something to that affect. They persisted to ask where he lives now and is he in another apartment. I again yelled I don't know, but he doesn't live here. They tried to again aggressively question me through the intercom. Finally, they said well this is unit ___ and we have his car on the tow truck. I was about to say I don't give a.... "wait what kind of car is it?" (I'm good but I was half sleep so you know I had to just make sure. lol) He replied "A Mercedes Benz." I yelled back "oh ok well whatever he don't live here bye!"

After that I looked at the time and it was like 4am. I was left unable to go back to sleep for probably another hour. Mind you I get up at like 6:40am. But in the end I guess I found it kind of funny, just because of what I used to do for a living. So as a treat to all those that may be struggling in this down economy I decided to re-post the blog below. Some tips that may help you out if you're in the same spot as my man with the Benz.
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To begin, this is an anonymous posting. It is coming from a person that has expertise in this field/industry and felt the need to help out some individuals by giving out inside information. Use the information as you choose and at your own risk. We assume no liability for what happens based on you using or not using the information...

As we all know today's economy is not what it was 8+ years ago. People are really struggling now a days. They're getting laid off from work, they're in debt, and barely able to keep their head above water. In some cases they're unable to afford food to eat let alone keep a roof over their head or a car to get around in.

Well I work in the car finance company and I have witnessed the people struggling to pay high car note payments. It's hard out here for everyone. And when you're put into a situation as to whether you keep a roof over your family's head and food in the fridge versus to pay a car note payment well it's a simple choice as to which is going to fall by the way side. However, business is business and well the Finance Company is in business to make money and if you're not going to pay for whatever the reason may be well they have no choice but to do what they have to do. And ultimately that decision will be to come looking for their collateral which is the car and or truck or motorcyle.


Well I've been in this field for over 5 years and I've seen and done it all when it comes to car financing and repossessions. However, I'm just the low man on the totem pole so I'm just like the average person. Possibly a paycheck or 2 away from being a victim of the same fate. Therefore, I am writing this confession in an attempt to hopefully help some unfortunate individuals avoid the Repo man. Keep in mind I am not advocating or urging anyone to not pay their bills. Paying your bills on time is always the right thing to do. But just in case anyone finds themselves in a rough spot given these tough economic times well here's a guide to hopefully help you out some. If this doesn't apply to you then be happy but anyone can fall on hard times. But if you can't utilize this information you may know someone that can, just pass it on.

First off keep in mind that all Finance Companies are different in the way they operate. Some are more lenient and allow you to go further behind and will work with you more than others. While some are much stricter, especially given that many customers are no longer paying. Therefore, use this only as a loose guide.

Always keep in contact with the Finance company as soon as a problem arises and you can not pay. If you just got laid off make sure that you contact them immediately. Usually most finance companies offer some type of payment deferment for situations like these where you can skip 1 or 2 months payments at least once a year. Therefore, my first bit of advice is even when times are tough and you're not able to pay for whatever the reason to always keep in touch with your finance company. Of course once you get behind they will without a doubt begin to call you. Although no one like to talk to bill collectors, keep in mind that this isn't a credit card, phone bill, or any other unsecured account. Your vehicle is that company's security. So if they feel at any point that their security is is jeopardy they have the right to come and get it. So if they call answer the phone or if they leave a message return the call. The fastest way to end up on the Repo list is to lose all contact with your finance company. They will assume that you've purposely stopped paying. So when they call you let them know you are not neglecting the car note and plan on paying as soon as you have the money to do so. However, do not make false arrangements that you know you can not keep just to get them off of the phone. Breaking arrangements is also another swift way to get put on the repo list. Also, if you're required to have full coverage insurance on your vehicle then a lapse in your insurance will also bring about the red flags and may even cause them to put forced placed insurance on your vehicle at a higher cost than you providing your own insurance.

So let's say you've exhausted all your means of help meaning you've gotten extensions on your payments and you're still unable to make your monthly payment. Well most companies will make a decision on whether to repo once a person is at least 30 days past due. This means that say your due date is the 20th of each month and you've missed last month's payment. Well when the 20th of the present month comes along you're officially 30 days past due and are technically due 2 payments. Most customers feel like I'm only behind on the last month's payment. However, the finance company will look at it as 2 payments behind and based on your previous payment history (how many payments total and made on time), the value of your vehicle vs. the amount you still owe (if your vehicle is almost paid off it's likely to be worth more money), and sometimes even your attitude towards the collectors when they call you will all determine if you go out for repo. So I would use the 30 day mark as a range of when you can start to suspect your vehicle may be out for repo or about to be put out. At that point you should begin to implement the rules I've listed below.

1.) Keep it Garaged!
If you have a home with a garage then whenever you're home always make sure your vehicle is in the garage. Technically by law a repo company can not enter your garage without a court order (we'll discuss that later). However, that doesn't stop some grimy repo companies from attempting to go in your garage depending on what type of garage you have. Therefore, if you have a garage with windows on it you should cover up the windows so that no one will be able to see inside. Just keep in mind that a repo companies are powerless if they can not find your vehicle. The most they can do is try other clever ways (keep reading) to attempt to retrieve the vehicle.

2.) Keep it Fenced or Blocked In
If you do not have a garage but have a gated or fenced in driveway or hard then you're in just as good a shape. Although they can see the car because of your gated driveway they can not remove the vehicle. Just make sure you have a heavy duty lock and or chain because they are not above trying to cut a lock. Also if you don't have a fence but say you have more than one vehicle or live with a group of people then you can essentially block your car in. The idea is to make sure it's blocked in nice and tight though. Although they are able to most likely easily obtain a key for your vehicle, they are not going to be able to tow 4-5 vehicles out of your driveway to get to yours. Nor will they risk trying to drive it out or tow it out for fear of damaging the other vehicles.


3.) Switch Cars
If you are not fortunate enough to live in a house with a garage or if you work at a job that doesn't have secured parking this may be the best option for you. If you have someone that is willing to help you out ask them to switch vehicles with you. They drive your car and you drive theirs. However, please remember that when you applied for this loan you filled out a reference sheet with 3-5 people you put down as a personal reference. You supplied a name, phone number, and address for those individuals. So make sure that the person you switch with is not on that reference list. I would venture to say that switching cars is probably the most effective way to avoid the repo man. Because they essentially have no clue who has the vehicle. They may know exactly where you live and work and how to contact you. But if you are not driving the vehicle they are looking for then that information is useless. However, as you keep reading the person you switch vehicles with will need to keep some things in mind as well.


4.) Cover it Up.
Although this is not as full proof as switching cars or keeping it in a garage it can possibly be a temporary fix for those of you without garages. While standing on the outside of your car if you look in the front windshield on the far right at the bottom there is a little notch inside there are 17 characters (numbers and letters). This is your VIN (Vehicle Identification Number). This is how they can officially identify your vehicle as being the one they have out for repo. Another way to identify is by plate #. Well if you keep that number covered with a paper or something from the inside it makes it difficult to identify if they have the right vehicle. So they may spot a vehicle that fits the description of the one they have out for repo but if they can't verify that VIN then some companies are reluctant to repo the vehicle for fear of repossessing the wrong one. However, keep in mind that if you simply have it covered there's nothing to stop them from popping your lock and removing the paper you have there. Remember they are a towing company and have the tools to do so. You can try to remove that Vin # from the panel but I don't know the difficulty of doing so. Also, another extreme means would be to paint your vehicle a totally different color. I'm not sure what a paint job runs now a days but I guess if you had the money for a paint job you'd pay the note.

Another indicator of whether or not it is the correct vehicle is the plate #. Repo companies utilize license plate numbers all the time. This is why the switcharoo described above is still not full proof. If you're spotted driving your friend's car or if your friends car is always parked in your driveway then there is nothing to stop them from running your friend's plate #. Once they do it will come back to your friends name and they can then retrieve the friends address. So I would recommend keeping the plate # covered up or removed while parked in your own personal drive way. Now if you do that while parking on the street or in a public parking area you will risk getting ticketed which will bring about other problems as you keep reading.

5.) Avoid Tickets
If you or even if you have switched vehicles with someone it is important that you and that friend avoid getting ticketed for any reason. The reason is because there is a way (At least in the City of Chicago) that you can check to see if a vehicle has received a parking ticket or a red light violation ticket. Once that information is obtained there is a way (which I can not disclose) that the finance or repo company can find out the exact location of where that ticket was given. So say you got a ticket for expired plates or no city sticker while you were parked over your girl's crib. Well they can then find from that ticket your girls address and in turn attempt to repo you from there. Also, the red light violation tickets are online as well. Some you can actually view the video of you running the light. It may be harder to indicate where you were going at the time but it can at least pin point a radius of the area you are in. Also, remember that if for whatever reason your vehicle is booted due to excessive tickets it can then be impounded. Once a vehicle is impounded the finance company will receive notice of this. There is usually about a 3-7 day lapse as to when they receive notice though depending on the city you're impounded in. So if you are impounded and know that you are behind on your payments you better get the vehicle out of the pound right away. Because once the finance company receives notice they will immediately go and pick up the vehicle.


6.) Don't Run Your Credit
Unless you're trying to get a loan that will pay your car note up to date I would avoid having your credit report ran or applying for any new credit. The reason being that any new information you give such as a job, address or phone number will most likely appear on your credit report next time it is ran. And keep in mind that you signed a credit application allowing the finance company to run your credit and they can do so in order to find you or find out information about you. Also, say for instance you just opened up a new account with a new creditor there are ways (which I can not disclose) that they can get the information you provided on your account to that new creditor. Including your current address, phone number, and job information.

7.) Home for the Holidays
Remember I mentioned those references? Well unfortunately you may want to avoid visiting them in your vehicle that is out for repo especially on the holidays. That is right finance and repo companies will some times make it a point to check certain addresses on holidays. If they have your mom or grandmom's address they will run it on a holiday hoping to catch you visiting on Thanksgiving, Christmas or 4th of July. Also, speaking of references if you have any bad blood with any of the people you've put as a reference you may want to quickly make amends with them. Because when it boils down to it they will not hesitate to snitch you out to the repo or finance company. I've seen bitter baby mama's and ex-girlfriends do it a lot. And just know that the finance company is not above offering financial restitution [A bribe] in exchange for information on where you or their vehicle is. What's a couple hundred dollars when it will lead to them recovering their vehicle worth thousands of dollars.

8.) Trap Cards
There are plenty of tactics that can be used to get you to call and once you do they will try to fish for information. One of these tactics is called using a trap card. The repo company will leave a card and or letter at the address stating something that will get you to call them. Once a company we utilized left a card indicating that they were trying to deliver a package to the customer. Well the customer called them back stating she's not home during the day and to deliver the package to her work. Well needless to say that information was used to repo the vehicle and there was never a real package. So if something sounds too good to be true it usually is. Also, with this you should avoid answering unknown/blocked calls, or calls from numbers you do not recognize. If you must return a call check the next tip on how to respond.

9.) Use a Payphone
If for any reason you decide to or have to contact the finance company it's best to do so from a payphone. I know they're kind of hard to find now a days but it will keep them off of your trail. Don't try to use your friend's phone or anyone else because they will find out who's phone you're using. And with today's technology even if you call in blocked or (*67) they can still get the number you're calling from. And if you call from a number they don't have already even if it's a friend's phone they will find out the name and address that number goes to. There are ways they can even text message you with hopes that you respond.

10.) Change of Address
If your vehicle is out for repo they will try to find you at any and every address they have associated with your account. Even old addresses you didn't even know they had. So, if you've moved from a previous address you may not want to put in a change of address with the post office. If your finance company sends a letter to your previous address then the post office will send a change of address back to the company. And you know they'll be looking for you at your new address.

11.) Don't Answer the Door
Just as with answering the phone for unknown callers don't answer the door either. Repo agents will come right up to your door and knock to get in touch with you. Some agents may use aggressive or scare tactics in order to reach you or to obtain the vehicle. For instance some agents carry badges but the badges are simply repossesor badges. But obviously they're hoping that you or the person that answers the door will think it's a police badge. I've even heard of agents lying saying that the vehicle was involved in a hit and run accident with hopes someone will give up some information. So if you have a peep hole use it and don't answer the door for any unknown individuals.


12.) Be on the Look out
Most people think of repo and think tow truck. Well now a days repo agents don't drive the traditional tow trucks. Some have high tech vehicles that look like regular pick up trucks. Also, as I mentioned they can get a copy of your key very easily. So some times they will travel in a regular car hoping to spot your vehicle and simple drive off in it. So, if you're on the look out you'll want to look for anything supsicious not just a tow truck driving down your block.

If you follow the above rules and tips you should be able to avoid the repo man for a time being. Again, this is not a guide for someone to rip off the finance companies even though they may have ripped you off (should've read the fine print). But if you're in a bind and need to buy yourself some time in order to get your finances together then these things may indeed help you out. The last thing that I want to discuss is something that can be a consequence of avoiding the repo man too long. Of course you can face adverse credit ratings, and possibly having your wages garnished. But if the vehicle is expensive and worth a lot to the finance company they can obtain what is called a Replevin. Basically a replevin is a court order in which the finance company has obtained which allows them to demand that you give them the vehicle back. Once this court order is obtained and served to you by a sheriff officer you must surrender the vehicle within the specified time or you will basically be arrested. So, again utilize the above info only to buy yourself time don't go into the business of ripping off finance companies.

--Anonymous--

Beat It!!

Considering we're all adults, I'm not sure why, but whenever a topic dealing with sex is brought up on this blog the comments are slim to none. But that's neither here nor there, I guess it just is what it is. With that said this is not going to be a long post about this subject. So don't worry. However, someone sent me this link to this article. The link is below, but I've actually copied the article for all to read it's short and sweet and I have one comment to make after you read it.

Article

March 11, 2009

Police: Son pleasures himself, then punches mom

DADE CITY -- It all started about 7 p.m. Tuesday, authorities said, when a mother looked outside and saw her 19-year-old son masturbating in the back yard.
The mother yelled. The son, Antwan L. Grandberry, 19, walked around to the front of the house on 13th Street in Dade City and rang the doorbell, according to a Dade City Police report. The mother answered and began cursing and yelling at Grandberry, who then punched his mother in her face, the report said.

Grandberry, who is listed as unemployed, was arrested on a domestic battery charge and is being held in the Land O'Lakes jail in lieu of $500 bail.

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Okay here's my final word and you can quote me on this...

"As if beating off wasn't enough you mean to tell me he had to beat up his momma too?"

SMDH!!

Not sure what's going on with people these days, but they said he was unemployed so maybe the economy to blame. Hell sounds like a plausible defense they blame it on everything else.

Well that's it for now.

--C-Recks--

Don't Get On The Bus

One of the best parts of having a blog is that not only do you come across interesting people, but when you encounter something that pisses you off, you have the perfect outlet to vent your frustrations. Well, that's what I'm about to do right now. Please forgive me, but I am about to go there.

There's a certain bus company, and to avoid potential legal ramifications, let's just call them Hound Dog, that I absolutely hate with a passion. I believe that you would be hard pressed to find a more unprofessional company in American history. Yes, with our recent economic turmoil, we've come across companies such as Tyco, Enron, and Adelphia, but even those companies didn't screw as many people as Hound Dog has. My earliest memory of Hound Dog has to do with the birth of my brother. When my brother was born, I was only 19 months old, but I swear that I remember my parents leaving me with my Grandmother, and I was playing with a toy bus. And that bus just happened to be a replica of a Hound Dog bus. Little did I know that Hound Dog would be a thorn in my ass the next 30 years.

My next significant memory of Hound Dog revolved around a bus trip that my mother, brother, and I took from Chicago to Los Angeles. We were moving there to be with my father. (Long story for another blog). Well, we left pretty close to Christmas. The trip was relatively uneventful, until we reached a little shit hole town called Green River, Utah. For those of you who are geographically savvy, Green River is about 100 or so west of Grand Junction, Colorado. If you're unfamiliar with Grand Junction, then you're beginning to understand just how much in BFE Green River is. But I digress. So the moral of the Green River story is that Hound Dog had us stuck there for let's call it 12 hours. That may not seem like much, but to a 9 year old, it was an eternity. I don't know what they eventually did to get us on our way, but what I do remember is that we made it to Los Angeles on Christmas day. I don't believe that was the original plan. But when it comes to Hound Dog, the only plan you should make it to have them piss you off at some point.

Over the course of the next 21 years, I've had many Hound Dog tales. There's the time that I lost my entire CD collection in Pittsburgh, the time I was on a Hound Dog bus that broke down in the middle of the expressway in Atlanta (and we sat in the middle of traffic for more than an hour with cars speeding past us on both sides), and the time that I got left in Walcott, Iowa at a truck stop while all my possessions were on a bus heading towards Chicago.

The moral of what I want to say is that in this kind of economy, its no wonder how many of these companies are losing money. Companies that treat their customers like crap deserve to be teetering on the brink of collapse. Other companies that fit that mold in my opinion are:

I've been a customer with them for 7-8 years. And to this day, I still don't know why I'm with them. Their customer "no" service is horrible. When it comes to them, I feel like I'm in a bad marriage, but for some reason I just can't leave. (Right now, it the $200 divorce cost that keeping me with them. Lol)




With my job, I spend way too much time in this place. My biggest problem with them is that there never seems to be anyone around when you need them. There prices are a little high to me as well. And I swear that if my company didn't have an account with them, and they weren't open 24 hours, I wouldn't have to have them.





Yes this is my bank. Why? Once again, I have no idea. Probably because they are one of the few banks that I have found everywhere around the country. Which makes it convenient given my constant travel. If you're not a customer, I don't recommend them. They are the bank that introduced $3 ATM fees. Their customer service is average at best.



For those of you who don't live in Chicago, count yourself blessed that you've never had to deal with these people. Jewel is a grocery store, and I hate going to the ones in the city. (Suburban Jewel's seem to be ok). When you go to this place, you might as well expect a serious attitude to be sold to you along with your milk and eggs.



Any mechanic fits this category. There aren't too many places that I dread going, but the local mechanic is definitely one of them. When you go, you already know that you're gonna get screwed. They do it with a smile on their faces which actually makes it much worse. I hope that someone will soon open up a repair shop that's not a pain to go to.



I know that its up to us to spend our money with companies that provide the best service possible. And while that's usually our goal, we sometime find ourselves caught in a bad set of circumstances. Its just then that we wish the old adage of "The customer is always right" were still the prevailing wisdom. Unfortunately, the desire of "customer service" has too fallen victim to the almighty dollar.


-DrizaDre-

Dollars and Sense

I don't know about any of you, but I am no economist. As a matter of fact, I'm not really that great with money. So it makes it somewhat difficult to completely understand the current circumstances that our country's economy finds itself in. I listened to the press conference given by President Obama on Monday, and as much as I root for Obama to succeed as the President, I couldn't really get with his economic stimulus plan. I mean, the last number that I heard about the bill is that it would cost us around 750 billion dollars. Some of that is to jump start the economy, but there's no guarantee that it will work. According to Vice-President Joe Biden, if we do everything right, there's still a 30% chance that all of the money that we're committing to spending will have no positive effect. That's no good. I mean, if you spend 750 billion dollars, you expect that it will drastically improve your current circumstances.

I heard a little bit of math that will show just how much money 750 billion dollars is. If you were to spend one million dollars a day on every day that has existed since Jesus walked the Earth, you still wouldn't have spent 750 billion dollars. Here's the math. Its 2009, but Jesus died at the age of 33. So its been 1,976 years since then. A million dollars spent every day for a years is 365 million. Multiply that times 1,976, and you come up with $721,240,000,000. Tack on another 494 million dollars to compensate for those extra February 29ths, and you have a grand total of 721 billion, 734 million dollars. Almost 30 billion less than what the stimulus plan calls for. I don't know about you, but when you talk about that kind of math, I'm gonna say that it should have better than a 70% chance of success.

Now I know that some of you are gonna say that Bush asked for nearly the same amount for the TARP fund. (Troubled Assets Relief Program). And though I wasn't exactly in favor of handing out that money, it was on a slightly different scale. As I understand it, the TARP money that has been given out is money that at some point and time, when the banks become profitable again, the Government will be repaid that money. Now don't get me wrong, getting money from the Government is like "borrowing" $100 from your mother. Yes you technically owe her, but if you only give her back say $50, and it takes two months for her to get that, its not like she's gonna send Barry Bonds to take out your knees with one swing. (By the way mom, I know I still owe you, just give me a little more time. Lol). Same thing with the government. As all of this was presented to us on Monday, I also was struck by how unsure President Obama seemed about the whole ordeal. I mean, the brotha is usually cool, calm, and well spoken on matters. To me, it seemed like he was just as unsure, and at a loss about the whole mess. That's not a major problem per se, but the President of the United States is like the coach of a football team. Right now the US is down by 30 at halftime, and that speech was supposed to inspire us to come out and take it to the opponent in the second half. Well, what I gathered from his speech is that we're probably gonna lose. Hell, I almost would have appreciated it more if Barack would've just said "Look, things are bad. Bad to a degree that I can't really comprehend. Now I know that you guys elected me to fix the problem. In turn, I have chosen the best in the business. And I believe in these people. I can't tell you everything that they're gonna do, because much of it is beyond my understanding. But I guarantee you that we're gonna take care of this". Now I know that saying something like that is beyond the scope of most politicians, but it would have made me more confident that we could actually erase this 30 point halftime deficit.

So that's just my take on the current economic crisis. A part of me feels that though things are bad, they're no worse than anything we've faced in the past. The difference is that we as a country have made significant improvement in our quality of life since we last found ourselves in similar circumstances. And though we don't want to admit it, we really screwed up by buying $40,000 cars, and $500,000 homes on student loan inflated $35,000 salaries. Its gonna hurt people, but maybe this is exactly what we needed to get back to living the "right" kind of lives.

-DrizaDre-

Trick or Treat??

Rappers are known for introducing new slang and terms into our culture through their music. Now being a rapper I can usually let most of the ignorant things slide for the most part. Soldier Boy will never get a pass though someone better Tell em' (but that's a future blog). But there is a saying that I have been hearing in some of the latest songs on the radio lately. And I can't lie for some reason I'm a little disturbed by it. To most it's not really major and I guess I should probably be more in an uproar about the vulgar and misogynistic comments about women, guns and drugs. But unfortunately we all know that and most accept them as a part of rap music in general. As a rapper myself all I can do is try to portray a different image of rappers through my lyrics. With that said buy my album "Ripped from the Headlines" coming really soon. (Shame less plug I know).

But back to the subject at hand. The saying that I have been hearing goes like this:

"It aint trickin if you got it."

You may have recently heard the above term in songs like "Whatever You Like" by T.I., "Got Money" By Lil' Wayne Featuring T-Pain, "Can't Believe It" by T-Pain Featuring Lil' Wayne and "What them Girls Like" by Ludacris Featuring Chris Brown." Now for those of you that are unfamiliar with the term or not well versed or fluent in slanguage the meaning of the saying is this. If you've got the money you can spend it on whatever and it's not considered a waste of money. So basically you can blow thousands of dollars on any and everything with no regards just because you have the money. In theory this statement is very true. It's your money so feel free to do whatever the hell you want with it, and whose business is it what you do with your money? However, the problem that I have with this saying is that in some instances if you have it or not it is Trickin. Below I've listed just a couple items I feel like no matter how much money you have to spend and throw away some times it's still considered Trickin.

Strip Clubs

Now I'm curious to know who was the first person to go into a strip club take a hand full of money and throw it on stage? I would just like to know what was going through his head when this occurred. I wonder if it could have been done on accident. Like what if the man had just got change for $100 in all singles as he's walking up to the stage to tip he trips or slips and all the money goes flying out of his hands onto the stage. As the bouncer comes over to help him up he looks at his money and then looks at how swole the bouncer is and intelligently decides to just leave the money where it landed. However, he then notices the reaction he's getting from the stripper on stage and other strippers in the club. And there you have it the first person to make it rain in the strip club. LoL.

Well I don't know how the phenomenon was really invented but regardless some how this has become a regular trait in strip clubs. I remember being in Atlanta in a strip club and watched a guy walk in the front door walk up to the main stage throw an unknown amount of bills into the air and then walk towards the bar. Very shortly after I didn't see the man anymore. I'm assuming he left out probably because he was out of money. Now I'm not the smartest person but I do consider myself to be pretty economical hell even at times pretty cheap. LoL. So therefore I'm always going to try to get the most for my money. Whether it be a gallon of milk, a gallon of gas, a shirt, a hat, and yes even a lap dance. lol. I mean why not get the best deal you can. Now maybe that was all my mans needed to get his money's worth but I'm sorry even if he had it I must say he tricked off his money. LoL.

Speaking of Atlanta and strip clubs here's another example to prove my point. Back in 2005 rappers Jermaine Dupri and Nelly partied it up big in a strip club spending $10,000 on strippers and alcohol. Well apparently they felt so guilty the next day that they decided to match their charitable donation to the strippers' college fund with a charitable donation to underprivileged children. They apparently purchased $10,000 in toys for the children and passed them out. Now as much money as these 2 have to blow even they had a moment of clarity and a conscious when they realized how much money they had spent. Either that or they're just smart business men and realized at least they can write off the toys whereas the strip club tips were simply Trickin!!

Our last example comes from the infamous Adam "Pac Man" Jones. In 2007 the NFL player was partying at a Las Vegas strip club during the NBA Allstar Weekend. As the story was told to me and as I read in an article this is basically what happen. The rules in the club he was in prohibit strippers from picking up money while someone is making it rain. They must wait until the raining stops. However, apparently the promoters for the club began scooping up his money in garbage bags while he was still making it rain. Apparently Jones didn't appreciate this after words were exchanged a melee began. To make a long story short as Jones exited the club shots rang out and 2 people were hit including a female patron, and a bouncer that ended up paralyzed. Police reportedly seized $81,000 (no that's not a typo) of Jones' money from the promoters. I don't even like to carry over $100 on me in cash. So how do you realistically walk into a strip club carrying $81,000? And that's just what he was making it rain with when the incident occurred, there's no telling how much he actually had on him. Now I've already mentioned that making it rain is definitely trickin, but apparently it can also be dangerous ask Pac Man Jones.

I enjoy the strip club as much as the next man, however; no matter how much money I get I can't see just throwing thousands in the air up for grabs. I mean I may make it drizzle a little bit and throw some change on the stage but I'm not trying to hurt no body. LoL. But It was put best to me by a friend of mines. I asked them if they'd make it rain in the strip club. They simply replied "Nah. I wouldn't. I'd rather tip the regular way it promotes good work ethic." I thought that answer was brilliant. Thanks for the quote Kris. LoL.

Prostitutes

My brother works with a special individual we've nicknamed Rain Man (yeah like the movie). But recently my brother told me that he found out that Rain Man hadn't had sex in damn near 10 years. Apparently all he does is work and play video games. Again, I'm not the type to pay for sex but damn 10 years? At that point I would understand him considering paying a few hundred at least once a year to get him some because apparently whatever other method he's utilizing is obviously not working for him.

However, I discussed pimping and prostitution in a early blog entitled "Hard for a Pimp?" Now nothing has changed since back then. I still have never and will never pay for sex. Maybe I'm cheap, but I'd rather say I'm just not this damn desperate. I have no clue what the going rate for some of these services are but I'm sure they can range anywhere from $50 (street hooker) to $1000 (High class escort services). Now if you're one of these guys that feel the need to pay for sex I just can't understand why you pay so much. I understand the quality of the prostitute probably increases the more you pay. In other words you're willing to pay an extra $100 to make sure you're not dealing with some potentially diseased crack whore. That I get. But at what point does it just become too much? When the amount you're paying for prostitutes begins to reach hundreds and even thousands of dollars per session that is just damn ridiculous. If this isn't trickin then I don't know what is. In fact in the pimp game prostitutes consider having sex with their clients "turning tricks." Therefore the clients that purchase prostitution services are called just that a Trick!!

In conclusion, I'm not the one to tell people what they can and can't do with their money. However, it's bad enough some rappers mislead people when it comes to their lyrics and so called lavish lifestyles. But stop with the catchy sayings that are completely false. There are plenty things people trick their money off on whether they have it or not. Look at these damn major banks that are on the verge of bankruptcy. They had billions of dollars to loan to individuals they knew wouldn't be able to afford to pay their mortgages. Now look at the state of our country's economy. It's called trickin! Even Beyonce's wig collection was recently valued at over $1 Million dollars. Although that's barely 1.25% of the $80 Million she made last year, it's still ridiculous. I know black women are particular about how they want their hair to look. But $10,000 a wig come on! I'm sure a personal stylist won't cost you that much. But then again she probably still has a personal stylist to make sure the wigs stay tight. What a shame.

*Shakes Head*

--C-Recks--

"Hard for a Pimp?"

"Is Pimpin Easy?"

The simple yet complex question was posed by Dave Chappelle on his "I Know Black People" Skit.

Well it got me thinking with gas prices at an all-time high is pimpin still easy? So I did a little research and came across some recent articles.

http://www.wlky.com/news/16300130/detail.html

http://www.cleveland.com/crime/plaindealer/index.ssf?/base/iscri/1211718615119270.xml&coll=2

http://www.wyff4.com/news/16191275/detail.html?subid=10100246

http://www.detnews.com/apps/pbcs.dll/article?AID=/20080402/METRO/804020443

http://www.contracostatimes.com/ci_9045340

Well judging from the numerous news articles I was able to find all taking place within the last few months apparently pimpin is still easy. Okay I get it you already know you're getting "screwed" at the gas pump so why not fill up and go find someone to "screw" in return. Well regardless of the logic, looks like although unemployment rates may be increasing, the world's oldest profession is still thriving.

We all saw the public unraveling of former New York Governor Elliot Spitzer's political career due to his involvement with a prostitute. http://www.nytimes.com/2008/03/10/nyregion/10cnd-spitzer.html?hp .

I guess the Internet has now made it "easier" for some to seek out prostitutes by surfing sites like http://www.craigslist.org/ as opposed to driving around desolate truck stops and drug infested street corners. I myself have never had to go that route so I don't necessarily understand the draw of prostitution but hey to each their own.

My question is this though, In today's times Is the role of the pimp still necessary? Wouldn't it be easier and more profitable to be "self-employed?" I mean when strippers go to parties and do their thing they hire their own body guard to keep look for out them. And isn't that the supposed role of the pimp anyway? Well hiring a body guard sounds like the better choice to me, I mean the "pimp slap" seems a bit much to endure when you're doing all the "hard work."

So the age old question still lingers should prostitution be legal? Some say it's an equal transaction between 2 parties no different than buying any other service and the only ones at risk are the 2 parties. Others say it's just immoral and fuels other illegal and immoral behavior such as drug use. Well I could very well play devil's advocate, but hey I say that's for the law makers to decide. I'm sure if they could find a way to tax it and make it justifiable then it would be legal. I think the same about drugs. But basically, I feel like people are going to do what ultimately pleases them. And if that means a "John" would risk possibly going to jail, catching an STD or if he has one losing his wife/family to have sex with a prostitute then that's their business. And I guess on the other end if a prostitute wants to stand on street corners hopping in and out of cars in the early morning hours risking going to jail, catching an STD, and or getting hurt by a "john" or their "pimp" then who am I to judge.

I would just say it's obvious who has it "harder" and I doubt it's the pimp. When was the last time you saw a prostitute driving a Rolls-Royce, sporting a fancy fur coat, diamond and gold jewelry, a tailored "pimp" suit, gators, and a diamond studded (goblet) "pimp cup" to sip cristal from? ...still thinking? No need to rack your brain. Don't worry you'll come up with the same answer as me. It's NEVER!! So again, I doubt if it's that hard out there for a pimp.

Or perhaps we only associate pimpin with those successful pimps that we see and hear about on TV i.e. the Bishop Don Juans of the pimp game. But maybe just maybe there are some pimps out there that are struggling. You know only enough dough to put 2 rims on his caddy instead of all 4 but the rest are on layaway, putting $2 in the gas tank, pawning his jewelry, ducking the repo man, etc... Maybe it's harder than we think. I guess the unfortunate part on it being hard out here for a pimp is that I'm sure it makes it even harder on the prostitute.

I don't know, but these are just my thoughts ladies and gentlemen!!

Pimp Pimp Hooray!!

C-Recks Out!!