The whole point of the video is about being young, stupid, and directionless. He could have just said "borrowing money to buy overpriced tools is a bad idea." But real life perspectives dont always fit into a tight 3-minute block. There were a million small things that lead him into a bad proposition.
Yeah I had bought a Matco tool box that was my career box . It was $4,500 and before I had got laid off I had the dept down to about $2800 . I found a new job right away and tried sending payments into my dealer but kept getting them back . Well I found out that in between the time I was laid off and my next payment that was do that my dealer had retired and moved and that he had sold his truck and everything . Well by time the new owner tuck over the old owner had cleared all dept. that was owed to him . When he died I found out he was worth millions and he wanted to give back . Couldn’t believe it .
Thats the stupidest thing ive ever heard quit smoking and you can pay for your tools.. do you have any idea what snap-on tools or cigs even cost?? I spend less money on cigs per year than a snap on impact gun cost. So yea.. im sure tge cigs had everything to do with it. And the guy said he paid his bill when he got a job. You aound dumb and should really think before you comment. Ignorant bastard..
I have never met anyone who didn't makes mistakes and I think it is cool that you can share this to help others. Thanks. I am impressed by how you worked to fix the problem and it shows you are a solid guy. Your number will recover. There are tricks to speed it up so I advise researching the topic.
I'm a debt collector. This man is giving good advice. Don't take out debt unless its absolutely necessary. The only thing I owe money on is my house. And, yes, buy a house on credit is fine because you can get a deduction on taxes; just don't over buy. Keep the house modest.
Thats some crazy shit man, mad respect for guys like that snap on tools rep who understand falling on hard times and are willing to give another chance.
I'm going to give you a thumbs-up because I work at an oil change place and a tire technician just blew $7,500 on tools that he doesn't really need to use just yet. The snap on guy was so happy he gave him a T-shirt and a sweatshirt and a hat.. the 19 year old kid does not even own a credit card yet. Driving around his Rusty Dodge Hemi pickup truck. $300 a week paycheck.. I see this everyday a kid picks up a wrench falls in love and I ows about two hundred and fifty dollars
Buy a US general tool box at harbor freight. Put a snap on logo plate on it. I’d bet 90% of the people who saw it would say you have a gorgeous roll away and never know the difference!
Jeremy Smith not a douche. I’m just saying that most people identify to brand names. People see a name and never really look at the product. Just the name. I don’t think most people would know a snap on box from a US General if you took the US General name off. I have both brands of boxes and I’m happy with the US General fit, finish and overall build.
Fireship1 the smart way is to buy an older snap on box off of Craigslist for less than half the cost of a new one and then have the worn out slides and wheels replaced under warranty. Smartest way to get a high quality tool box that doesn’t fall apart like a US general.
I'm a car salesman and have worked in dealerships for 15 years. I like to tinker at home with vehicles and good tools are always essential. I would always look for the technician who was experienced and single with no kids and tell him, "if you ever want to upgrade and sell some of your old stuff let me know." Within a week he was getting the "latest and greatest" and I was getting his "old" stuff. I have a garage full of awesome tools!
I was a Snap-On tool dealer in the late 80's, and over the years I was active, typically had over $125K per year of my own monies extended in tool credit to guys on my list of calls (local shops). The big ticket items like boxes, scanners, alignment rigs are through a loan (think bank car loan) with the Snap-On corporation, and not the dealer. If you don't pay your car loan they repossess those too! I never over sold anyone, because I'd been a line mechanic myself before becoming a dealer. I typically tried to convince the young guys starting not to buy the big box, not to buy the biggest set of wrenches (half of which they may never use). What I got for being stand-up, was guys skipping out and leaving me with about $30K of unpaid debt each year, so forgive me if I'm not exactly the most sympathetic ear. I remember having to wait in the dark to catch people trying to sneak home without paying, and women suggesting I was stealing the food from their babies mouths. Seems my debt/risk for the extended credit was inconsequential. Often when I'd finally catch up with someone that had skipped, they'd laugh and say, "what're you going to do about it". Well there's something that can be done, and it may not affect today, but it'll haunt for a long time. Years later when they were trying to clear their credit record, and called me to see if there was something they could do to satisfy the debt. I told them they could call the trustee for my bankruptcy hearing, as I'd been put out of business as result of people not paying me for tools I'd extended on credit.
My snap on dealer told me that around half of all snap on truck tool dealers end up in Bankruptcy. He got lucky it only cost him $60,000 to get out then he became an independent tool dealer. That was a win win for all of us, awesome quality tools at Waayyy better prices!!!!!!!!! Snap on can suckit!!!!!!!
I WASTED 10 years of my life as a tool dealer. wish i never got talked into it at 21, I hung in there when I should have bailed because I was taught to never quit.still have bad dreams about it once in a while 25 plus years later. love the dudes who couldn't give you $20 dollars 2 weeks in a row but told you about taking their wife to red lobster on friday night. I'm getting mad writing this. lol gotta bail
You're an inspiration, Justin! Thanks for sharing such a personal story. You're a good and honest hard-working man, glad to hear that Snap On was understanding.
Im 21yo been mechanic for only 2years. And couple months ago bought a brand new 7grand CAD* Snap-On tool box off the tool truck and man it was the best purchase ive ever made. It made me wanna buy more and better tools to put in it. That is why i suggest buying a good tool box before spending on tools that you dont have room for
This guy giving solid advice and all you people take away from it is bitching about his cigarette drags....smh. Hard working man, my dad did the same thing, if he couldn't find a job he'd do contracting work, roofs, landscaping, etc, lotta respect for you my dude, the struggle effects some of us and those who never experienced it always take everything for granted.
That's why I pay everything when I buying hand tools from snap on (including power tools). I never do snap on credit or pay every week to the tool guy. I never buy a tool box until I have right amount of money to buy it. Great video
What you need to do is go to a credit union. You're paying way too much intrest (28.5%) If you have things in order they might pay off that ridiculous loan, give you a new loan at a much better rate. I've helped people do this successfully.
It was different from any video I've seen. I don't care if he smokes. I hope he finds the willpower to quit someday. Any time you see someone carrying an oxygen bottle or machine 90 percent of the time it's a former smoker. I worked for ems for over a decade. I saw plenty.
man, Justin... Its like watching a car wreck... Horrible, but you just cannot look away... But! I am glad you are still standing. Still living. And some useful info never hurt anybody...
When I was doing bodywork I just told the tool trucks that stoped at the shop to let me know when they had any used boxes for sale. I ended up buying 4 of them and I didn't pay over $400 for any of them. 3 were 5'L × 5'H and 1 cart. Shure they had some rust and dings but they work just fine and I didn't have to be worried about scratching them. Had to quit for health reasons and sold them for more than I paid for them.
The problem with a $5500 tool box is that its not worth any where close to that on CL, or anywhere else for that matter later down the road. I bought a Snap On four bank monster a few years before I ended up making a career change. I bought the box for cash, got a half decent deal all things considering. A year after I got out of the business, I spoke to the SO dealer at at that time to see if he was interested in either buying or selling the box for me. I was keeping the tools, but the box wouldn't fit in my garage. The box had a retail price of just over $18k. It was 14 months old. I told the dealer I'd let the whole box with the SS top and full top hutch, and both lockers go for $8K. He tells me its only worth $3500 to him, but could only give me $1800 for it. I listed it for sale on CL and FB and got only scammers or guys with no cash wanting to trade junk. A similar box these days costs over $20k. Selling a used box for anywhere close to what its worth is near impossible because most mechanics are broke and they can only buy things for $20 a week. I've got a couple of US General boxes here, they're ok boxes but they're not Snap On, the slides and spot welds don't hold up to hard day in day out use and many have lower support issues related to how the casters are attached. They are just fine for a guy just starting out or the homeowner who doesn't require super tough security. I'm not sure I'd trust one if I were back working in a busy dealership where having a secure way to protect your tools is a must.
A few months ago my snap on dealer and I agreed I’d like to get a stainless steel top for my tool box. He went to the truck and found the one I wanted and came back with a receipt for it. It was about $500 which was a lot more than I thought it would be but I agreed anyway. Has it shipped to the place I work and it was the wrong size. Next week he comes in and I told him about it and he orders me a new one. Afterwards he tells me the price before was for the smaller sized top and $800 was the new price. He told me if that was too much for me that it was alright if I didn’t want it. I told him I was sorry but I couldn’t pay that much for a box top. I felt bad for him because I knew he was out 1300+ over a simple typing mistake but me feeling bad for him didn’t justify spending that much more than I expected for a tool box top in my head. It gets worse for the snap on dealer from there. Few weeks later he was selling a tool box to a coworker of mine and for Christmas he had a $700 off deal going on for some boxes. Well I suppose he had it set up in the computer to deduct the $700 from the normal price but I guess he goofed up and typed in the price of the box after the deduction of which got further auto-decreased by another 700 as he confirmed the payment. The box was slightly damaged so even before all of it he had the price lowered a lot and even included the $800 tool box top that was supposed to be for me put on it as well. My coworker got a snap on box that’s over 7k new just for the basic version with a special pant job on it and the stainless steel top for like 3400 I think my coworker said he paid. In just a few weeks the snap on guy lost over 2k out of his pocket for simple typos. Yeah both incidents were caused because of him making a mistake but no matter what you may think about the snap on brand, you have to respect the risk and the hustle the dealers have to take to do their job.
I wouldn't buy a snap on box unless it was 80 percent off period. It's not worth the price. You can buy so many other boxes now for an 1/8 of the price it just doesnt make sense. Harbor freight has some really sweet boxes now. It's hard to not buy one.
After a couple years of daily use you have to put your foot against the box to open it. My snap-on box I use the open drawers as a seat. Took me 10 years to see the light and upgrade my box. Love it so much I picked up another used snap-on box for my home garage.
used is the way to go. and i understand if you use it all day long for your life career it will pay for itself. ive had a craftsman chest and roller for over a year and use it pretty heavily every day and i love it so far. i just think its nuts when people rack up a bill that could pay for a new car on a half a box of tools.
@@hondamxbmx692 Agreed. Pretty much anything with moving parts is name brand. But all my wrenches, sockets, pliers, etc are all mastercraft, craftsman, Stanley, etc
Another honest, good video! You warm my heart buddy! That's how I was raised also. Be honest, pay your debts, work hard. I misdiagnosed a Cummins here awhile ago when I still had my own repair shop. Didn't tell my customer right away, couldn't sleep at night it bothered me so bad. Drove over to his house one night and just spilled the beans! Told him I was sorry. We agreed I would work the debt off on his next repairs. We shook hands, he laughed and said now go home and get some sleep buddy! I left with his friendship!
$5500 for a toolbox - my heart nearly went into arrest when I heard that! I know those things are freaking awesome, but my gosh, I can’t imagine spending that on a toolbox. Insane!
I used to work in parts at at Chrysler dealer. We used Stanley Vidmar cabinets to store parts and I was amazed at how strong they are. 5 years later I dont work in the dealers anymore but I race dirtbikes and work on cars and bikes alot so I bought a bunch of lyon/lista/Vidmar type boxes to hold tools and parts. One has wheels on it and they all have modular dividers and can change the drawers around. Way stronger than snap on 440 lbs each drawer holds. All bought off Craigslist cheap from people that didnt know their value. just a thought guys check out vidmar lists Lyon cabinets.
I commend u for being a real man and paying your debt. Most people don’t. I have actually never owed anyone $1 my entire life and I take great pride in that
Thanks for the insight. Unfortunately, it will be lost on your audience until they are in your shoes, ten years from now. They will wish they had listened.
Everyone that disliked the video probably cry when they hear the truth lol. If I had this info when I was younger it would have helped me to this day my credit is still getting repaired all because I over extended my credit meaning I owed more than I made but lesson learned!
I went to UTI, we also had a snap on deal. Bought some sockets, an impact gun and a couple torque wrenches. Couldn’t pass up the 50% off deal. They also give you a little credit if you graduate.
I always bought tools with cash or on my debit card. The only thing I put on credit was a Matco toolbox which I knew I wouldn’t be able to pay off when the dealership I worked for went out of business. Your best bet is “voluntary repossession”. I don’t know if this is normal practice, but my Matco dealer tried to sell it as soon as I turned it over to him. And he even called to ask me if an offer he got of $4,500 was enough. I said “I think he can do a little better, don’t you?” and he finally got $5,500, leaving me with only a few hundred dollars left to pay off. A voluntary repossession still hurts your credit, but it’s no where as bad as missing payments and having a company go to a collection agency. My credit only dipped by ~50 points compared to my coworker who sold a box he still owed money on and ignored the calls until it went to collections. His score went down 160 points. The big difference is that you are punished SEVERELY when you have something called an “unsecured debt”. An unsecured debt is a loan that is not backed or is no longer backed by an asset. A medical bill is insecure debt because it is not backed by an asset, the bank cannot repossession your kidney transplant. A toolbox is a secured debt because they can repossess the toolbox. But once you sell it, it is now an unsecured debt which significantly increases the risk for the lender which is why harsher penalties are enforced.
Thank you for your service to our nation. My uncle Dick was a major in the 101st. Good looks on you for eventually stepping up and repaying that debt. Gotta keep pressing forward no matter the situation. Thanks for sharing.
A lot of ppl smoke including me, I do regret starting and it's harder to quit then ppl think, so stop judging ppl about the lifestyle they chose, if you don't smoke I'm happy for ya
Smoking isn't a lifestyle, it's a slow self poisoning and that bill eventually comes due. When you're writhing in cancer pain and begging for more morphine come tell me about lifestyles.
I’m thankful to have an understand dealer. The guy is just awesome and understanding to deal with. I fell on some tough times going from one job to another this last year. Short story is I pawned him a couple of rifles while I was short for cash.
I can lol I have a snap on extension. It came in a tool lot I won in bid. Snap on is wonderful for people who use them everyday. For the home mechanic it's just not needed. Maybe wanted but not needed.
And that my friend is how you Cowboy up and do the right thing. I did a similar thing with college loans but finally faced the music and took care of business. You are a good person for telling your story and I hope it really helps the young workers out there.
I liked the intensity of smoking that cig., I've never taken a puff, but I like seeing a person enjoying life. With the eagle on your right arm and the bottle of pills in the background, I wondered why you didn't use the vocational rehabilitation program at the VA. The little-known issue is the VR&E will work with the community college, pay for your snap-on or (your choice) of tools based on the course requirements. The Snap-on guys know this program and know how to make the list with the instructors. VR&E pays for the tools up front, you take the courses, they pay the tuition bill, and you receive the monthly stipend similar to the post 9/11 GI bill. Some people do not use up all their GI Bill, have a month left, then they go talk to the VR&E department about needing to get an education or certification, it is just like starting over on the I Bill. They will tell you they can not do it... you tell them Boy Scouts (Bravo Serria). The, now new, new "forever" GI Bill is even better than the post 9/11. The clock does not end at 10 years, it goes forever. there are a ton of benefits that Veterans know nothing about. If a Veteran receives a rating of permanent and total, they can work full time, their spouse goes to college under chapter 35, their kids go to college under chapter 35 benefits. Don't worry that you are taking it away from some other Veteran, they are being taken care of, only half of the Veterans use the A or anything. This is crazy. than you for your service 101st
@@sdpikapp you are technically correct, if the veteran is making progress but needs additional time to get the program completed there are ways that the VR&E can twist the rules, (Obliviously because the Veteran shows promise of becoming employed, his life is going the right direction the VA wants the Veteran to succeed. And they can find ways to get a person through whatever program that is needed to become employed using there skills abilities and interest. A veteran may have to appeal the decision going through a VSO to help represent the veteran in any hearing. The key is, the VA wants a person to succeed, they want to be responsible to the government but when it can be demonstrated that it makes sense to complete this one program they will do everything they can to make it happen. There are so many failures, persons that drop out of programs, that never become employed in the fields that the VR&E paid. When this is reviewed the auditors look at the 30 failed programs, they add up the o=money spent on failure, they take the ten successful programs and see that they needed to pay an additional $10,000 to get the quality graduates it makes sense to assist the winners and cut the loses on the losers. The government realize this and it becomes a very easy story to explain to the congressmen, to the news papers, The secretary of the VA has discretion to change any code of federal regulation and are mandated to provide reports to congress, but congress does not tell the 'Secretary how to run the VA no more than the Secretary tells the congressmen to run congress. When a person needs the additional two classes, or additional year, yo have the positive story from the college that wants to do right, it becomes a community feel good story, the VA has no intention of throwing a bucket of cold water on that parade. It rally's support from non-profit organizations, and citizens alike. They want to know they are making a difference in this persons life. The 30 that failed we do not use as poster child of success. We focus on the one. It would seem insane to put you hand up and say, we helped you with a, b, c. and you have one more step to go to quality for your license and we are cutting your legs off from underneath you. It is stuff like this that congressmen and women get excited about. It is the failure to make decisions by senior level administrators that only know how to read rule books. This is not way they have been entrusted to those positions, it is to make decisions. If they are not their to make decisions and we simply go by the rule book then there is no need of managers or higher level review. Read the actual Title 38 USC laws that congress passed with the presidents signature on it rather than the work books and "code of made up regulations to help the VA decide how they are going to implement these laws." Those training manuals, position papers, memorandums are all simply someones guidance of how to implement the law. But when the law is simple and clear provides the flexible room for decision to be made the the congressional office has a right to challenge those decisions.. In aggressus situations the news media helps to demonstrate the ridiculous position the VA has taken and how it has harmed a hard working veteran seeking to really make a difference. When good cause is demonstrated the VR&E will do everything they can to assist the Veteran.And if someone gets limited by the law then they should turn to their congressmen and ask for a special dispensation. As a pocket plan stick within the guidelines they have provided, work with your counselor t help you stay on track.But don't give up when you are one semester away from completing the program. I know of dealerships that will pay for all the expenses to help a veteran became certified in their products (GM, Ford,) Where the owner of the company will foot the bill 100% with out any VR&E money, on the job training with all of their advanced training seminars and programs. The VR&E does not keep a lost of companies that are willing to do these kind of partnerships, they receive zero federal tax dollars, but the soldier receives some of the best education available. The reason is this young business owner became successful, but he has a father that was a Vietnam Veteran that did not do so well, there was no one to help his father out, people too stuck in following the book and not making leadership decisions.
As a technician that goes to the customer I get my tools at HF because I lose them and a Pittsburgh wrench works as good as a snap on. I have a few special tool I got at grainger and a husky roller tool bag. Never would I buy a snap on, the only thing I got from snap on was a metric tap and that was because they were the only ones with a metric tap
Preach it brother. I've been down that road to many times. It's like a damn rollercoaster. The ups will always go down if you are not careful. Besides, if you can't pay cash (house/car not included) you dont need a loan for it.
I've been a self-employed gas/diesel mechanic with around 35+ yrs of experience and have used Mac, Snap-On, Matco tools for allot of years. I also still use S-K, Craftsman, Makita, Dewalt, Milwaukee, and Harbor Freight tools also because I personally don't give a crap about name brands on tools, Quality & Pricing is my general rule of thumb. Years ago when I opened my first shop my Mac and Snap-On dealers gave me a line of credit for me to get started out of their own pockets "Not" Mac Tool Corp. or Snap-On Tool Corp! These Corporations have never done anything, nor have went out of there way to help me do anything over the years. My Mac and Snap-On dealers were Old-School and I had the up most respect for both of them in helping get started in my first repair business. I haven't bought any tool dealers trucks in allot of years because those dealers seem to only want to sell new tool boxes and other high end tools and not provide not to much repair, or warranty services. So I guess the times have changed, however years ago the tool dealers had a different attitude and spent more time with customer service & quality , and making deals on tools.
Through our com col, we get 50% (or slightly more in some cases) most snap on and blue point products. Including tool boxes. I really appreciate the student discount and I’m definitely taking advantage of it.
I remember when my dad left snap on after 30 years. I was a kid and went around with him to finish off his collections. Some of the excuses I heard were unreal. My dad let most of the guys off if they had a rough go, but the assholes didn’t get off easy. Blows my mind how bad some people are with money. Buy what you can afford. Save and buy.
@Bob Grey He just said his dad let the guys off that had a rough time and weren't assholes. What is wrong with you calling him scum? Tool truck operators are usually up working before the shops open and often still working when the shops are closed trying to feed their families. I guess they are scum if they don't accept theft.
I've dealt with small amounts of debt before that I basically just didn't care enough to pay, it's stupid I know but I just didn't care about my credit score as I didn't plan on buying a house or anything anytime soon. Basically, depending on your state, it'll eventually go through enough collections companies that a lawyer will sue you and then you're fucked. That's what happened to me. And if they send you a letter and you don't respond at all you are basically admitting guilt and a court can get a judgement on you and seize your bank account and/or garnish your wages. So now I'm paying like $80/mo for like $2k of debt. What this guy doesn't seem to understand is that the collections agencies have bought your debt from snap-on and they probably bought it for less than what the original debt is worth, which is why you can settle for much less than the original amount.
Ignoring a debt is one of the worst things you can do... it'll ruin you for years. My girlfriends brother ignored collection agencies for 2-3 years, and his credit is completely ruined and he cant even get a loan on a beater car to drive.
been there with debt, different reasons but same result. I just went to collections and waited 7 years for it to go away. That was 10 years ago and i have a 750 now. learned my lesson, i pay my bills now.
That's amazing that Snap-on worked with you like that I would assume the absolute opposite from a big corporation like Snap-on and them to be told thick heads. So you're really took me by surprise and you said what you did about them. That's most impressive. Thanks for your story
Thanks for your service Amigo ...At the end it was all about doing what's right ... and good character .! I have been a tech for 35 yrs and never bought a new tool box...And yes , they lure you into buying that shit and you pay 50 dollars week anyway...well B.S. .50 dollars a week for 20 weeks or for life ?
Hey Justin. 6 point vs 12 point for a hobby motorcycle/atv at home mechanic? Im not a pro by any means. I just want to have the best sockets to start off. Let me know what you think.
Chris G Thank you for your interest and comment. I know they make some really good starter kits that include both 6 and 12 point sockets. When working on motorcycles and cars as a motorcycle or at home mechanic you’re going to run into situations were you are going to need 12 point as well as six point. I would look around at various places such as Harbor freight and Home Depot Lowes or Sears and see what you can get for the best price that you can. Most the sockets from either one of those places are going to serve you just fine for what it is that you’re trying to do. You might also need some oversize sockets examples include 21 mm 22 mm and so on and so forth. You might even run into a situation where you’ll need imperial sockets. Get what you can afford for now and slowly build on that depending on your needs. That would be my recommendation. Cheers and happy new year
2011 it was bad. My SO box got repoed. Luckily, the box covered my debt so it was wiped clean, but in a deragatory way. A few years later, only could do a truck account with my dealer, he vouched for me and they did a loan where if I defaulted, he would pay it. I paid it off. Now clear to buy $7K. SO is secured debt, it's a lot more critical and has greater impact. You're better off paying off the SO account with a Credit Card and then defaulting on that. They can make or break your credit.
My dad use to say, “if you don’t got the cash to pay for something, you can’t afford it.” Wish I would’ve listened to him earlier in my adult life. Great video!
You are a mechanic and you went into extreme debt to buy a car? Why not use your skills to buy an otherwise good car that needs repairs? Smoking as well, you sir are a fool above all else!
Watch till the very end, sounds like me when I was younger....borrowed too much and ended up being in the crapper credit wise...climbing up steadily and I'll never borrow that much again. Good news is that when I buy tools or stuff I usually pay cash or only finance half and pay it off when I get bored with it.
I wonder if they offer different selections based on programs. I’m in manufacturing and they do offer automotive diagnostics tools, but not at very much of a discount.
Even at 50% off, most of their stuff is still way overpriced for what it is. There are way better deals with other professional grade brands, especially when you're just starting out.
Don't do it. A better and cheaper way to get great deals on awesome tools is to go to flea markets and yard sales. You can find hand tools and smaller tool boxes for pennies on the dollar. Open box/return or display tool boxed at harbor freight for half off their already lower prices than off the tool truck.
avega2792 I'm surrounded by thousands in truck tools I found at pawn shops that's been a hobby of mine buying them for the sake of buying them isn't really my point
Actually during this timeframe of debt with snap-on I road a bicycle 14 miles a day. Then as I started making better money at a different dealership it was too far to ride a bike I purchased & drove a beater which always had problems and it was not reliable and interfered with my ability to get to and from work. I then took a high interest loan on a more reliable car but was then stuck with a payment. Fast forward to today ... I'm now back in a beater.. Everyone has a path. Some paths have more curves then others. Just thought I'd share a comment back. Cheers and thanks for your comment.
you know you have a tool addiction when you owe over 30k and then you have to get a second mortgage on your house to pay them off because the interest rate is crazy with snapon corp.
About 25 yrs ago I had someone use my ss number, ID, and racked up a 3000 dollar debt on an American Express card. That was back before the internet and the communications we have now. First I heard about it was when a collection agency contacted me wanting payment. Told them I never had an Amer Exp card. They were like "yeah sure bud, thats what they all say". Not realizing what was going on, I told them to fuck off. They literally harassed me for 10 fucking years, ruined my credit rating, etc... I wrote all the credit agencies asking to remove that off my rating which they would, but a year later, the debt would show up again. What a headache.
I got in debt with snap on.because I lost my job and couldn't make the payments.it took me almost a year to pay my bill off.but it destroyed my credit.i will never buy snap on again.
When you signed that contract you agreed to pay a certain amount EVERY week. YOU defaulted for whatever reason. Default on your mortgage payment and your ass is on the street. Nobody made you buy those tools fool! PAY YOUR BILLS. I wrenched for 28 years before becoming a Snap-on dealer for 15 years. Sold my route, inventory, truck and accounts to an expanding dealer. It’s losers like you that cause issues.
My husband owed Snap on 22K what we did was refused to pay them went to a BK Lawyer worked out a settlement agreement the lawyer got 20% off what she could save up long story short we paid 6k kept all the tools/Box etc our credit was fixed in 6 months and my husband is now on his feet 9 years later doing great with his business Snap on prays on young guys FUCK SNAP ON !
I just purchased a 68" snap on epiq series tool box with SS power top and hutch a side cabinet and locker. My rep took off 6500 and snap on tools took off another 2000 total for the box cabinet power top and cabinet. Plus I traded in my 40" classic series box and top section and got another 1500 off I owe 8500CAD roughly... But now I don't need another box I have a old classic snap on I got from a former coworker who retired purchased for 1000 bucks full of tools for side job at home... I have my house and my truck to pay for my line of credit and two credit cards to pay off and the mac and Matco guys.. By the time I get to play with my money I have about 100 dollars to my name.. which I don't care about.. I have a just over a year left to pay on my truck. My credit is shit though if I can make it work with me and my wife and kids(we both work full time jobs). Debt sucks.. I went from an 800+ credit score now I'm in the 500-600 area...
I knew a dude at my old job that came out of UTI and couldn’t do any of the work in the shop. He bought a Matco Box full of tools from one of the trucks for several thousands, on credit. The shop let him go soon after because he couldn’t handle the work and he ended up at discount tire.
Most intense cigarette hits ever
shaun lmao!
Huffin
@454BigBlock yeah he definitely dabbles with the booger sugar
@454BigBlock lololol 100% this dude is not on the white girl. The weather is changing around this time of the year. Stop being a little bitch troll.
@@calebwillhelm2635 how do you know?
I died of lung cancer before I heard what happened when he didn’t pay for his tools.
walter kersting lol 🤣😂 you had me rolling to the point I was crying.
The the best one so far :)
smoking is so dumb
@@vbvini agreed
What a fucked up thing to say.
1st ballot “Get to the Point” Hall of Fame inductee.
The whole point of the video is about being young, stupid, and directionless. He could have just said "borrowing money to buy overpriced tools is a bad idea." But real life perspectives dont always fit into a tight 3-minute block. There were a million small things that lead him into a bad proposition.
I’ve seen worse
Pro tip - if you can’t pay cash don’t buy it... Only exceptions, a house and maybe a car (if you can afford it...)
Dansyoung Don't not even a house unless it's cash! 🙅🏾♂️
Car payments not ok imo
Yep. I always pay cash to my Snap on rep. If I cant afford it then it has to wait until I have the benjamins.
If you can’t pay cash for two of em, don’t finance one
Correct, sir
Yeah I had bought a Matco tool box that was my career box . It was $4,500 and before I had got laid off I had the dept down to about $2800 . I found a new job right away and tried sending payments into my dealer but kept getting them back . Well I found out that in between the time I was laid off and my next payment that was do that my dealer had retired and moved and that he had sold his truck and everything . Well by time the new owner tuck over the old owner had cleared all dept. that was owed to him . When he died I found out he was worth millions and he wanted to give back . Couldn’t believe it .
BakedBeard 420 damn son. That is pure luck
honor his good deed and pay it forward try a %30 mark up on parts instead of %85+ and use those tools to keep on wrenching
HOTSAUCE definitely
wizard3z castor I’ve always paid it forward . That what Attribute my good luck you and good karma to .
So the original dealer who sold you tools died? How'd you find out?
Maybe quit smoking and you could pay for your tools. Or keep smoking and you won't have to worry about paying off anything ?
lol, I hate people who hammer people for smoking, but your post was funny.
Tom is a pussy
Or buy yourself a sub ohm vape a smok x priv and baby beast tank is a good start and throw away the cigarettes.
Thats the stupidest thing ive ever heard quit smoking and you can pay for your tools.. do you have any idea what snap-on tools or cigs even cost?? I spend less money on cigs per year than a snap on impact gun cost. So yea.. im sure tge cigs had everything to do with it. And the guy said he paid his bill when he got a job. You aound dumb and should really think before you comment. Ignorant bastard..
Thanks for the advice mom.
I used to smoke 4 packs a day until I lost one of my lungs.
Then I had to cut my smoking in half.
neptune Trace 😆
Lololololol my guy!
did you ever find it?
Bwahahaha
Lol stupid comment
Screaming eagle tat
Camaro shirt
VA pill bottle in the back
Craftsman dude
Smoking like you did a pt test...
SUBSCRIBED!!!!!!!!!!
😂😂😂
Dead lol love it
I have never met anyone who didn't makes mistakes and I think it is cool that you can share this to help others. Thanks. I am impressed by how you worked to fix the problem and it shows you are a solid guy. Your number will recover. There are tricks to speed it up so I advise researching the topic.
I'm a debt collector. This man is giving good advice. Don't take out debt unless its absolutely necessary. The only thing I owe money on is my house. And, yes, buy a house on credit is fine because you can get a deduction on taxes; just don't over buy. Keep the house modest.
Thats some crazy shit man, mad respect for guys like that snap on tools rep who understand falling on hard times and are willing to give another chance.
I'm going to give you a thumbs-up because I work at an oil change place and a tire technician just blew $7,500 on tools that he doesn't really need to use just yet. The snap on guy was so happy he gave him a T-shirt and a sweatshirt and a hat.. the 19 year old kid does not even own a credit card yet. Driving around his Rusty Dodge Hemi pickup truck. $300 a week paycheck.. I see this everyday a kid picks up a wrench falls in love and I ows about two hundred and fifty dollars
this guy in the video is that same kid.
maybe his parents are paying his rent until hes 30.
7500 bucks on 300 a week?sounds like the tool truck guy needs a new line of work.
Lol, he's fuked.
Yeah, I know toung techs who must be living at home for free. They're spending so much money on tools.
Buy a US general tool box at harbor freight. Put a snap on logo plate on it. I’d bet 90% of the people who saw it would say you have a gorgeous roll away and never know the difference!
pretty much what i did, expect i am happy with general
I doubt it would fool anybody, plus it's not about what everybody else thinks.
Fireship1 if you are a douche you might try that bullshit🖕🏻
Jeremy Smith not a douche. I’m just saying that most people identify to brand names. People see a name and never really look at the product. Just the name. I don’t think most people would know a snap on box from a US General if you took the US General name off. I have both brands of boxes and I’m happy with the US General fit, finish and overall build.
Fireship1 the smart way is to buy an older snap on box off of Craigslist for less than half the cost of a new one and then have the worn out slides and wheels replaced under warranty. Smartest way to get a high quality tool box that doesn’t fall apart like a US general.
I'm a car salesman and have worked in dealerships for 15 years. I like to tinker at home with vehicles and good tools are always essential. I would always look for the technician who was experienced and single with no kids and tell him, "if you ever want to upgrade and sell some of your old stuff let me know." Within a week he was getting the "latest and greatest" and I was getting his "old" stuff. I have a garage full of awesome tools!
I was a Snap-On tool dealer in the late 80's, and over the years I was active, typically had over $125K per year of my own monies extended in tool credit to guys on my list of calls (local shops). The big ticket items like boxes, scanners, alignment rigs are through a loan (think bank car loan) with the Snap-On corporation, and not the dealer. If you don't pay your car loan they repossess those too! I never over sold anyone, because I'd been a line mechanic myself before becoming a dealer. I typically tried to convince the young guys starting not to buy the big box, not to buy the biggest set of wrenches (half of which they may never use). What I got for being stand-up, was guys skipping out and leaving me with about $30K of unpaid debt each year, so forgive me if I'm not exactly the most sympathetic ear. I remember having to wait in the dark to catch people trying to sneak home without paying, and women suggesting I was stealing the food from their babies mouths. Seems my debt/risk for the extended credit was inconsequential. Often when I'd finally catch up with someone that had skipped, they'd laugh and say, "what're you going to do about it". Well there's something that can be done, and it may not affect today, but it'll haunt for a long time. Years later when they were trying to clear their credit record, and called me to see if there was something they could do to satisfy the debt. I told them they could call the trustee for my bankruptcy hearing, as I'd been put out of business as result of people not paying me for tools I'd extended on credit.
You took a sales job where you personally had to front the money for the customers? Thats crazy.
My snap on dealer told me that around half of all snap on truck tool dealers end up in Bankruptcy. He got lucky it only cost him $60,000 to get out then he became an independent tool dealer. That was a win win for all of us, awesome quality tools at Waayyy better prices!!!!!!!!! Snap on can suckit!!!!!!!
Know the struggle. It isn't any easier now that they can sell it out from under you on Facebook market or Craigslist.
Snapon is like the Mob, u will pay in some way,.........u will pay
I WASTED 10 years of my life as a tool dealer. wish i never got talked into it at 21, I hung in there when I should have bailed because I was taught to never quit.still have bad dreams about it once in a while 25 plus years later. love the dudes who couldn't give you $20 dollars 2 weeks in a row but told you about taking their wife to red lobster on friday night. I'm getting mad writing this. lol gotta bail
I feel like I know this guy's whole life story after watching this video lol
Right man same here
You're an inspiration, Justin! Thanks for sharing such a personal story. You're a good and honest hard-working man, glad to hear that Snap On was understanding.
What’s the worst pain?
A) Giving birth
B) Paying off your Snap-On debt
If you can't afford to pay cash don't buy.
Agree 100%.
Yep
Im 21yo been mechanic for only 2years. And couple months ago bought a brand new 7grand CAD* Snap-On tool box off the tool truck and man it was the best purchase ive ever made. It made me wanna buy more and better tools to put in it. That is why i suggest buying a good tool box before spending on tools that you dont have room for
This guy giving solid advice and all you people take away from it is bitching about his cigarette drags....smh. Hard working man, my dad did the same thing, if he couldn't find a job he'd do contracting work, roofs, landscaping, etc, lotta respect for you my dude, the struggle effects some of us and those who never experienced it always take everything for granted.
Thanks brother.
Took 12 min to make this? Can't fucking stop smoking but had no money? Yet wasting it on cancer sticks...
@@mattlane2282 you really are a twat
Solid advice? Lmao 😂🤣😂
Matt Lane is to hung up on the smoking to get the message.
My uncle started out with Craftsman. Then slowly over 20 years moved over to Snap On.
That's why I pay everything when I buying hand tools from snap on (including power tools). I never do snap on credit or pay every week to the tool guy. I never buy a tool box until I have right amount of money to buy it. Great video
What you need to do is go to a credit union. You're paying way too much intrest (28.5%) If you have things in order they might pay off that ridiculous loan, give you a new loan at a much better rate. I've helped people do this successfully.
I liked the cigarette smoking, it makes the video seem genuine. Like I was really in his garage
I think it would be better if he was sitting in a chair backwards, or putting up a knee Capitan Morgan style
Maybe one (or two) hits in 12 minutes would probably be MORE than enough.
It was different from any video I've seen. I don't care if he smokes. I hope he finds the willpower to quit someday. Any time you see someone carrying an oxygen bottle or machine 90 percent of the time it's a former smoker. I worked for ems for over a decade. I saw plenty.
I have cystic fibrosis and I agree with all pro smoking comments!
Agreed
I had the same issue, but only in the 4K. Tool truck guy actually paid off the loan for me and I paid him back when I got back on my feet.
Holy shit the last time I saw someone hit the heaters like that was like 1972 !
man, Justin... Its like watching a car wreck... Horrible, but you just cannot look away... But! I am glad you are still standing. Still living. And some useful info never hurt anybody...
Hands down, one of your best videos. Great information that can help many people.
When I was doing bodywork I just told the tool trucks that stoped at the shop to let me know when they had any used boxes for sale. I ended up buying 4 of them and I didn't pay over $400 for any of them. 3 were 5'L × 5'H and 1 cart. Shure they had some rust and dings but they work just fine and I didn't have to be worried about scratching them. Had to quit for health reasons and sold them for more than I paid for them.
Depending on how the interest is calculated 160 twice a month can pay off faster than 320 once each month.
how??
The problem with a $5500 tool box is that its not worth any where close to that on CL, or anywhere else for that matter later down the road.
I bought a Snap On four bank monster a few years before I ended up making a career change. I bought the box for cash, got a half decent deal all things considering. A year after I got out of the business, I spoke to the SO dealer at at that time to see if he was interested in either buying or selling the box for me. I was keeping the tools, but the box wouldn't fit in my garage. The box had a retail price of just over $18k. It was 14 months old.
I told the dealer I'd let the whole box with the SS top and full top hutch, and both lockers go for $8K. He tells me its only worth $3500 to him, but could only give me $1800 for it. I listed it for sale on CL and FB and got only scammers or guys with no cash wanting to trade junk.
A similar box these days costs over $20k.
Selling a used box for anywhere close to what its worth is near impossible because most mechanics are broke and they can only buy things for $20 a week.
I've got a couple of US General boxes here, they're ok boxes but they're not Snap On, the slides and spot welds don't hold up to hard day in day out use and many have lower support issues related to how the casters are attached.
They are just fine for a guy just starting out or the homeowner who doesn't require super tough security. I'm not sure I'd trust one if I were back working in a busy dealership where having a secure way to protect your tools is a must.
Respect your honesty man.
A few months ago my snap on dealer and I agreed I’d like to get a stainless steel top for my tool box. He went to the truck and found the one I wanted and came back with a receipt for it. It was about $500 which was a lot more than I thought it would be but I agreed anyway. Has it shipped to the place I work and it was the wrong size. Next week he comes in and I told him about it and he orders me a new one. Afterwards he tells me the price before was for the smaller sized top and $800 was the new price. He told me if that was too much for me that it was alright if I didn’t want it. I told him I was sorry but I couldn’t pay that much for a box top. I felt bad for him because I knew he was out 1300+ over a simple typing mistake but me feeling bad for him didn’t justify spending that much more than I expected for a tool box top in my head. It gets worse for the snap on dealer from there. Few weeks later he was selling a tool box to a coworker of mine and for Christmas he had a $700 off deal going on for some boxes. Well I suppose he had it set up in the computer to deduct the $700 from the normal price but I guess he goofed up and typed in the price of the box after the deduction of which got further auto-decreased by another 700 as he confirmed the payment. The box was slightly damaged so even before all of it he had the price lowered a lot and even included the $800 tool box top that was supposed to be for me put on it as well. My coworker got a snap on box that’s over 7k new just for the basic version with a special pant job on it and the stainless steel top for like 3400 I think my coworker said he paid. In just a few weeks the snap on guy lost over 2k out of his pocket for simple typos. Yeah both incidents were caused because of him making a mistake but no matter what you may think about the snap on brand, you have to respect the risk and the hustle the dealers have to take to do their job.
I wouldn't buy a snap on box unless it was 80 percent off period. It's not worth the price. You can buy so many other boxes now for an 1/8 of the price it just doesnt make sense. Harbor freight has some really sweet boxes now. It's hard to not buy one.
Dual_Pypes_92 nope US General is still shit with heavy use.
After a couple years of daily use you have to put your foot against the box to open it. My snap-on box I use the open drawers as a seat. Took me 10 years to see the light and upgrade my box. Love it so much I picked up another used snap-on box for my home garage.
used is the way to go. and i understand if you use it all day long for your life career it will pay for itself. ive had a craftsman chest and roller for over a year and use it pretty heavily every day and i love it so far. i just think its nuts when people rack up a bill that could pay for a new car on a half a box of tools.
@@hondamxbmx692 Agreed. Pretty much anything with moving parts is name brand. But all my wrenches, sockets, pliers, etc are all mastercraft, craftsman, Stanley, etc
if you took the money it costs for a snap on box and put it into a dividend investment you could buy a new toolbox every couple years with the profit.
Another honest, good video! You warm my heart buddy! That's how I was raised also. Be honest, pay your debts, work hard. I misdiagnosed a Cummins here awhile ago when I still had my own repair shop. Didn't tell my customer right away, couldn't sleep at night it bothered me so bad. Drove over to his house one night and just spilled the beans! Told him I was sorry. We agreed I would work the debt off on his next repairs. We shook hands, he laughed and said now go home and get some sleep buddy! I left with his friendship!
$5500 for a toolbox - my heart nearly went into arrest when I heard that! I know those things are freaking awesome, but my gosh, I can’t imagine spending that on a toolbox. Insane!
The company I work for just bought a 15000 tool box..... for 3500
I bought my first snappy box eight years ago. Last month my dealer replaced all the casters, slides, the lock, and gave me new mats. For free
I used to work in parts at at Chrysler dealer. We used Stanley Vidmar cabinets to store parts and I was amazed at how strong they are. 5 years later I dont work in the dealers anymore but I race dirtbikes and work on cars and bikes alot so I bought a bunch of lyon/lista/Vidmar type boxes to hold tools and parts. One has wheels on it and they all have modular dividers and can change the drawers around. Way stronger than snap on 440 lbs each drawer holds. All bought off Craigslist cheap from people that didnt know their value. just a thought guys check out vidmar lists Lyon cabinets.
I was interested in the beginning but then I got bored.
ricky battle - me too ....
Too many side tracks.
I commend u for being a real man and paying your debt. Most people don’t. I have actually never owed anyone $1 my entire life and I take great pride in that
Thanks for the insight. Unfortunately, it will be lost on your audience until they are in your shoes, ten years from now. They will wish they had listened.
Justin, I appreciate your honesty in this video (and in your other videos, too). I think you tell it like it is.
Everyone that disliked the video probably cry when they hear the truth lol. If I had this info when I was younger it would have helped me to this day my credit is still getting repaired all because I over extended my credit meaning I owed more than I made but lesson learned!
Being in a little bit of a pinch myself right now (student loan debt), I found your story inspiring. Thanks.
Nick Washburn Hope you climb back. Cheers!
Learning is sometimes very expensive. Good thoughts.
I went to UTI, we also had a snap on deal. Bought some sockets, an impact gun and a couple torque wrenches. Couldn’t pass up the 50% off deal. They also give you a little credit if you graduate.
The same thing that happens when you don’t pay anything.
I always bought tools with cash or on my debit card. The only thing I put on credit was a Matco toolbox which I knew I wouldn’t be able to pay off when the dealership I worked for went out of business.
Your best bet is “voluntary repossession”. I don’t know if this is normal practice, but my Matco dealer tried to sell it as soon as I turned it over to him. And he even called to ask me if an offer he got of $4,500 was enough. I said “I think he can do a little better, don’t you?” and he finally got $5,500, leaving me with only a few hundred dollars left to pay off.
A voluntary repossession still hurts your credit, but it’s no where as bad as missing payments and having a company go to a collection agency. My credit only dipped by ~50 points compared to my coworker who sold a box he still owed money on and ignored the calls until it went to collections. His score went down 160 points.
The big difference is that you are punished SEVERELY when you have something called an “unsecured debt”. An unsecured debt is a loan that is not backed or is no longer backed by an asset. A medical bill is insecure debt because it is not backed by an asset, the bank cannot repossession your kidney transplant.
A toolbox is a secured debt because they can repossess the toolbox. But once you sell it, it is now an unsecured debt which significantly increases the risk for the lender which is why harsher penalties are enforced.
STILL HAVE MY Snap on box and tools (and my receipts lol) from 1997
As far as the debt, I always negotiate down what they expect to be paid.
Thank you for your service to our nation. My uncle Dick was a major in the 101st. Good looks on you for eventually stepping up and repaying that debt. Gotta keep pressing forward no matter the situation. Thanks for sharing.
A lot of ppl smoke including me, I do regret starting and it's harder to quit then ppl think, so stop judging ppl about the lifestyle they chose, if you don't smoke I'm happy for ya
Smoking isn't a lifestyle, it's a slow self poisoning and that bill eventually comes due. When you're writhing in cancer pain and begging for more morphine come tell me about lifestyles.
@@cgirl111
My Grandmother who suffered from emphysema and eventually died from lung cancer used to call cigarettes cancer sticks.
Pay at the pump it helped me
Munch on sunflower seeds.. One at a time.. Every time you crave a cigarette. Worked for me.. August 9th 2011 4:15 pm was my last one.. Aaaahyeeeah
I’m thankful to have an understand dealer. The guy is just awesome and understanding to deal with. I fell on some tough times going from one job to another this last year. Short story is I pawned him a couple of rifles while I was short for cash.
Snap on tools are like an addictive drug, you can’t just have one
CIGS
I can lol I have a snap on extension. It came in a tool lot I won in bid. Snap on is wonderful for people who use them everyday. For the home mechanic it's just not needed. Maybe wanted but not needed.
Try the local.pawn shop they sell snap on tools cheap
The lesson to learn here is "do not borrow money". Certainly "do not borrow money to buy things that go DOWN in value".
Love how people act like they have never seen a cigarette in the TH-cam comments lmaoo (no i don't smoke, yes my name is DrTobacco)
Anonymous people are always quick to pass judgment. It's just how the internet works, unfortunately
And that my friend is how you Cowboy up and do the right thing. I did a similar thing with college loans but finally faced the music and took care of business. You are a good person for telling your story and I hope it really helps the young workers out there.
I liked the intensity of smoking that cig., I've never taken a puff, but I like seeing a person enjoying life. With the eagle on your right arm and the bottle of pills in the background, I wondered why you didn't use the vocational rehabilitation program at the VA. The little-known issue is the VR&E will work with the community college, pay for your snap-on or (your choice) of tools based on the course requirements. The Snap-on guys know this program and know how to make the list with the instructors. VR&E pays for the tools up front, you take the courses, they pay the tuition bill, and you receive the monthly stipend similar to the post 9/11 GI bill. Some people do not use up all their GI Bill, have a month left, then they go talk to the VR&E department about needing to get an education or certification, it is just like starting over on the I Bill. They will tell you they can not do it... you tell them Boy Scouts (Bravo Serria). The, now new, new "forever" GI Bill is even better than the post 9/11. The clock does not end at 10 years, it goes forever. there are a ton of benefits that Veterans know nothing about. If a Veteran receives a rating of permanent and total, they can work full time, their spouse goes to college under chapter 35, their kids go to college under chapter 35 benefits. Don't worry that you are taking it away from some other Veteran, they are being taken care of, only half of the Veterans use the A or anything. This is crazy. than you for your service 101st
Its not like starting the GI bill over. You have a set amount of months for education and they will extended it 12 months if you have a SEH.
@@sdpikapp you are technically correct, if the veteran is making progress but needs additional time to get the program completed there are ways that the VR&E can twist the rules, (Obliviously because the Veteran shows promise of becoming employed, his life is going the right direction the VA wants the Veteran to succeed. And they can find ways to get a person through whatever program that is needed to become employed using there skills abilities and interest. A veteran may have to appeal the decision going through a VSO to help represent the veteran in any hearing. The key is, the VA wants a person to succeed, they want to be responsible to the government but when it can be demonstrated that it makes sense to complete this one program they will do everything they can to make it happen. There are so many failures, persons that drop out of programs, that never become employed in the fields that the VR&E paid. When this is reviewed the auditors look at the 30 failed programs, they add up the o=money spent on failure, they take the ten successful programs and see that they needed to pay an additional $10,000 to get the quality graduates it makes sense to assist the winners and cut the loses on the losers. The government realize this and it becomes a very easy story to explain to the congressmen, to the news papers, The secretary of the VA has discretion to change any code of federal regulation and are mandated to provide reports to congress, but congress does not tell the 'Secretary how to run the VA no more than the Secretary tells the congressmen to run congress. When a person needs the additional two classes, or additional year, yo have the positive story from the college that wants to do right, it becomes a community feel good story, the VA has no intention of throwing a bucket of cold water on that parade. It rally's support from non-profit organizations, and citizens alike. They want to know they are making a difference in this persons life. The 30 that failed we do not use as poster child of success. We focus on the one. It would seem insane to put you hand up and say, we helped you with a, b, c. and you have one more step to go to quality for your license and we are cutting your legs off from underneath you. It is stuff like this that congressmen and women get excited about. It is the failure to make decisions by senior level administrators that only know how to read rule books. This is not way they have been entrusted to those positions, it is to make decisions. If they are not their to make decisions and we simply go by the rule book then there is no need of managers or higher level review. Read the actual Title 38 USC laws that congress passed with the presidents signature on it rather than the work books and "code of made up regulations to help the VA decide how they are going to implement these laws." Those training manuals, position papers, memorandums are all simply someones guidance of how to implement the law. But when the law is simple and clear provides the flexible room for decision to be made the the congressional office has a right to challenge those decisions.. In aggressus situations the news media helps to demonstrate the ridiculous position the VA has taken and how it has harmed a hard working veteran seeking to really make a difference. When good cause is demonstrated the VR&E will do everything they can to assist the Veteran.And if someone gets limited by the law then they should turn to their congressmen and ask for a special dispensation. As a pocket plan stick within the guidelines they have provided, work with your counselor t help you stay on track.But don't give up when you are one semester away from completing the program. I know of dealerships that will pay for all the expenses to help a veteran became certified in their products (GM, Ford,) Where the owner of the company will foot the bill 100% with out any VR&E money, on the job training with all of their advanced training seminars and programs. The VR&E does not keep a lost of companies that are willing to do these kind of partnerships, they receive zero federal tax dollars, but the soldier receives some of the best education available. The reason is this young business owner became successful, but he has a father that was a Vietnam Veteran that did not do so well, there was no one to help his father out, people too stuck in following the book and not making leadership decisions.
As a technician that goes to the customer I get my tools at HF because I lose them and a Pittsburgh wrench works as good as a snap on. I have a few special tool I got at grainger and a husky roller tool bag. Never would I buy a snap on, the only thing I got from snap on was a metric tap and that was because they were the only ones with a metric tap
Preach it brother. I've been down that road to many times. It's like a damn rollercoaster. The ups will always go down if you are not careful.
Besides, if you can't pay cash (house/car not included) you dont need a loan for it.
I've been a self-employed gas/diesel mechanic with around 35+ yrs of experience and have used Mac, Snap-On, Matco tools for allot of years. I also still use S-K, Craftsman, Makita, Dewalt, Milwaukee, and Harbor Freight tools also because I personally don't give a crap about name brands on tools, Quality & Pricing is my general rule of thumb. Years ago when I opened my first shop my Mac and Snap-On dealers gave me a line of credit for me to get started out of their own pockets "Not" Mac Tool Corp. or Snap-On Tool Corp! These Corporations have never done anything, nor have went out of there way to help me do anything over the years. My Mac and Snap-On dealers were Old-School and I had the up most respect for both of them in helping get started in my first repair business. I haven't bought any tool dealers trucks in allot of years because those dealers seem to only want to sell new tool boxes and other high end tools and not provide not to much repair, or warranty services. So I guess the times have changed, however years ago the tool dealers had a different attitude and spent more time with customer service & quality , and making deals on tools.
"When I got my divorce...." Say no more.
Through our com col, we get 50% (or slightly more in some cases) most snap on and blue point products. Including tool boxes. I really appreciate the student discount and I’m definitely taking advantage of it.
I remember when my dad left snap on after 30 years. I was a kid and went around with him to finish off his collections. Some of the excuses I heard were unreal. My dad let most of the guys off if they had a rough go, but the assholes didn’t get off easy. Blows my mind how bad some people are with money. Buy what you can afford. Save and buy.
@Bob Grey He just said his dad let the guys off that had a rough time and weren't assholes. What is wrong with you calling him scum? Tool truck operators are usually up working before the shops open and often still working when the shops are closed trying to feed their families. I guess they are scum if they don't accept theft.
I've dealt with small amounts of debt before that I basically just didn't care enough to pay, it's stupid I know but I just didn't care about my credit score as I didn't plan on buying a house or anything anytime soon.
Basically, depending on your state, it'll eventually go through enough collections companies that a lawyer will sue you and then you're fucked. That's what happened to me. And if they send you a letter and you don't respond at all you are basically admitting guilt and a court can get a judgement on you and seize your bank account and/or garnish your wages.
So now I'm paying like $80/mo for like $2k of debt. What this guy doesn't seem to understand is that the collections agencies have bought your debt from snap-on and they probably bought it for less than what the original debt is worth, which is why you can settle for much less than the original amount.
When you worked for Chrysler dodge, how many recalls and problems where associated with the ram 1500 hundred trucks.
Aaron Tsosie Not many if you stick with the 5.7ltr
@@JustinDowDIYcentralhighway no problems on the fuel management system?
Aaron Tsosie When I was at Chrysler I did more than a few fuel pumps on them, but they were all warranty, so the customer paid nothing.
They came out with a 150000 Ram ?!?!?
@@JustinDowDIYcentralhighway ,
What did you do in the military? Great video. 👍
Moral of the story is don't finance super expensive tools when you're just starting out.
Ignoring a debt is one of the worst things you can do... it'll ruin you for years. My girlfriends brother ignored collection agencies for 2-3 years, and his credit is completely ruined and he cant even get a loan on a beater car to drive.
Everyone makes poor choices, the key is not repeating them. Learn from a mistake and pay off a loan as fast as possible!
a beater car shouldn’t need a loan...
Completely wrong. He can get a really nice car with shit credit as long as he has $2500 down. The more you have down the nicer the car.
I hope I never have to get a loan on a car or truck. Pretty much the banks bitch after you get stuck doing payments on something.
now a days you can just about get a loan with any credit score. Especially if you have the cash to put down.
been there with debt, different reasons but same result. I just went to collections and waited 7 years for it to go away. That was 10 years ago and i have a 750 now. learned my lesson, i pay my bills now.
Lessons learned, great video!
Solid work ethic to turn that around man! Gotta be honest, didn’t think this story would have a happy ending, props man!!
Been there my man, very well said.
Hello Justin.
What bike do you have behind you.? Love your channel here in the UK.
KTM 390 Duke
Great vid Dow. Avoid debt hard times are coming.
That's amazing that Snap-on worked with you like that I would assume the absolute opposite from a big corporation like Snap-on and them to be told thick heads. So you're really took me by surprise and you said what you did about them. That's most impressive. Thanks for your story
Buy some lungs from Snap-On
Thanks for your service Amigo ...At the end it was all about doing what's right ... and good character .! I have been a tech for 35 yrs and never bought a new tool box...And yes , they lure you into buying that shit and you pay 50 dollars week anyway...well B.S. .50 dollars a week for 20 weeks or for life ?
smashing out the vids justin!
Hey Justin. 6 point vs 12 point for a hobby motorcycle/atv at home mechanic? Im not a pro by any means. I just want to have the best sockets to start off. Let me know what you think.
Chris G Thank you for your interest and comment. I know they make some really good starter kits that include both 6 and 12 point sockets. When working on motorcycles and cars as a motorcycle or at home mechanic you’re going to run into situations were you are going to need 12 point as well as six point. I would look around at various places such as Harbor freight and Home Depot Lowes or Sears and see what you can get for the best price that you can. Most the sockets from either one of those places are going to serve you just fine for what it is that you’re trying to do. You might also need some oversize sockets examples include 21 mm 22 mm and so on and so forth. You might even run into a situation where you’ll need imperial sockets. Get what you can afford for now and slowly build on that depending on your needs. That would be my recommendation. Cheers and happy new year
Use it up, wear it out, make it do or do without!
2011 it was bad. My SO box got repoed. Luckily, the box covered my debt so it was wiped clean, but in a deragatory way. A few years later, only could do a truck account with my dealer, he vouched for me and they did a loan where if I defaulted, he would pay it. I paid it off. Now clear to buy $7K. SO is secured debt, it's a lot more critical and has greater impact. You're better off paying off the SO account with a Credit Card and then defaulting on that. They can make or break your credit.
A real mechanic only needs a crescent wrench and a flat head screwdriver
lmao... and a 13mm combination wrench. lol
Plus zip ties and duct tape👍👍
Only need to have a Ford Tool(hammer) and a roll of wire.
Or a 10mm socket or wrench
@@bodycams2477 ford tool, lol!
My dad use to say, “if you don’t got the cash to pay for something, you can’t afford it.” Wish I would’ve listened to him earlier in my adult life. Great video!
You are a mechanic and you went into extreme debt to buy a car? Why not use your skills to buy an otherwise good car that needs repairs? Smoking as well, you sir are a fool above all else!
Watch till the very end, sounds like me when I was younger....borrowed too much and ended up being in the crapper credit wise...climbing up steadily and I'll never borrow that much again. Good news is that when I buy tools or stuff I usually pay cash or only finance half and pay it off when I get bored with it.
Snap On, the predatory lender....
only if you act like prey!!
Matthew Fogarty well said, you see guys getting into unnecessary trouble over stupid shit.
If you die of cancer you never have to pay your debts off. That's smart thinking right there.
I'm currently a student in the diesel program snap on currently offers damn near everything at 50 percent off boxes and diagnostic equipment alike
I wonder if they offer different selections based on programs. I’m in manufacturing and they do offer automotive diagnostics tools, but not at very much of a discount.
Even at 50% off, most of their stuff is still way overpriced for what it is. There are way better deals with other professional grade brands, especially when you're just starting out.
Don't do it. A better and cheaper way to get great deals on awesome tools is to go to flea markets and yard sales. You can find hand tools and smaller tool boxes for pennies on the dollar. Open box/return or display tool boxed at harbor freight for half off their already lower prices than off the tool truck.
avega2792 I'm surrounded by thousands in truck tools I found at pawn shops that's been a hobby of mine buying them for the sake of buying them isn't really my point
If you’re a wrencher, why can’t you drive a beater?
Actually during this timeframe of debt with snap-on I road a bicycle 14 miles a day. Then as I started making better money at a different dealership it was too far to ride a bike I purchased & drove a beater which always had problems and it was not reliable and interfered with my ability to get to and from work. I then took a high interest loan on a more reliable car but was then stuck with a payment. Fast forward to today ... I'm now back in a beater.. Everyone has a path. Some paths have more curves then others. Just thought I'd share a comment back. Cheers and thanks for your comment.
Save up and pay cash.
you know you have a tool addiction when you owe over 30k and then you have to get a second mortgage on your house to pay them off because the interest rate is crazy with snapon corp.
Stop smoking dude
One could pay their debt if they had money to buy CIGS/alcohol!
@@mt1885 thats funny
I read this comment and sent the gentleman a carton of smokes....shut up pussy
@@jessecoleman2271 no you didn't!
Let the guy enjoy a cig.
About 25 yrs ago I had someone use my ss number, ID, and racked up a 3000 dollar debt on an American Express card. That was back before the internet and the communications we have now. First I heard about it was when a collection agency contacted me wanting payment. Told them I never had an Amer Exp card. They were like "yeah sure bud, thats what they all say". Not realizing what was going on, I told them to fuck off. They literally harassed me for 10 fucking years, ruined my credit rating, etc... I wrote all the credit agencies asking to remove that off my rating which they would, but a year later, the debt would show up again. What a headache.
I got in debt with snap on.because I lost my job and couldn't make the payments.it took me almost a year to pay my bill off.but it destroyed my credit.i will never buy snap on again.
Lol how is Snap on to blame for your job loss and taking on debt you can't pay?
When you signed that contract you agreed to pay a certain amount EVERY week. YOU defaulted for whatever reason. Default on your mortgage payment and your ass is on the street. Nobody made you buy those tools fool! PAY YOUR BILLS. I wrenched for 28 years before becoming a Snap-on dealer for 15 years. Sold my route, inventory, truck and accounts to an expanding dealer. It’s losers like you that cause issues.
My husband owed Snap on 22K what we did was refused to pay them went to a BK Lawyer worked out a settlement agreement the lawyer got 20% off what she could save up long story short we paid 6k kept all the tools/Box etc our credit was fixed in 6 months and my husband is now on his feet 9 years later doing great with his business Snap on prays on young guys FUCK SNAP ON !
serious smoker you inhale like dice clay the comedian--its a compliment--god bless
Jim Vogiatzis dude I said the same thing. Didn’t see your comment. Exactly who it reminded me of
I just purchased a 68" snap on epiq series tool box with SS power top and hutch a side cabinet and locker. My rep took off 6500 and snap on tools took off another 2000 total for the box cabinet power top and cabinet. Plus I traded in my 40" classic series box and top section and got another 1500 off I owe 8500CAD roughly... But now I don't need another box I have a old classic snap on I got from a former coworker who retired purchased for 1000 bucks full of tools for side job at home... I have my house and my truck to pay for my line of credit and two credit cards to pay off and the mac and Matco guys.. By the time I get to play with my money I have about 100 dollars to my name.. which I don't care about.. I have a just over a year left to pay on my truck. My credit is shit though if I can make it work with me and my wife and kids(we both work full time jobs). Debt sucks.. I went from an 800+ credit score now I'm in the 500-600 area...
dam..I take even lighter tokes with my weed then you do with your cigarettes. Legend.
Hold it longer than you can!
It's a lesson that a lot of people have to learn the hard way. I didn't go cheap on tools but I'd buy only what I needed.
lost by: 28, why should I listen to someone who can not put a cigarette away for 12 minutes
That's a pretty shitty thing to judge someone on. I hope you don't have any vices or a weight problem or any other shit.
So you judge the message on the optics?????
@@edwardjmayer87 you're either lost or trolling. come back with a reply or not , don't care, I'm out
@@jesush.vazquez6851 bye Felicia
@@edwardjmayer87 definitely a troll who resorts to name calling for lack of intelligence, good job, buddy
I knew a dude at my old job that came out of UTI and couldn’t do any of the work in the shop. He bought a Matco Box full of tools from one of the trucks for several thousands, on credit. The shop let him go soon after because he couldn’t handle the work and he ended up at discount tire.