Loans

Why is it that the people who need loans, don't qualify for them?? At a maximum you can take a loan out for 35% of your annual income. But when your income is bupkis, then there really isn't a point of a loan. For example if you only make 25,000/year then you can take out a loan to a maximum of $8,750. I called my bank hoping to consolidate my credit cards and get some money to buy a used vehicle. Needless to say, I didn't qualify. Being low income...REALLY SUCKS!!!! I can handle living in the 'hood'. But I'm 29 1/2 and I still don't have a car. AARRRRRGGGGGHHHHHHHH!!!!!!! I know my family doesn't mind, but I do. They are really sweet and if there is a family gathering then they'll pick me up. (My parents are the closest at 45 minutes away) It just makes me feel like a kid. I want to feel like an adult....minus the 'acting mature' thing. My sister thinks that maybe I'll be able to get a car next year...I think..I probably still won't be talented enough to pull money out of my arse. I wanted to check out the loan because my investment person at the bank called me. During the conversation we somehow came upon the subject of home ownership. There is this deal with Scotiabank where you only have to have 1.5% of the closing costs for a house and loan the rest to you. I was all excited about that. Then I realized that .... if I can't get a loan for car/debt consolidation then there is NO way that I'll be able to get a mortgage. Oh well. Maybe I'll own a car before I'm 40. Or maybe I should just go rob a bank. (kidding) I read on one of the news websites that the average Canadian goes through $100, every 2-3 days. Holy crap! What do they do for a living? Is it legit? I think I got into the wrong business. Starting up my own money counterfeiting business sounds like a great idea! Does anyone know where I can get the equipment?