Snap-On, Will they take tools back?

[Tejaas]

Loans are for Cars and Houses, Period.

Tell THAT to the average college graduate!

That is going to be my new reasoning for why I didn't go go college:

"I didn't want to be under a loan of that magnitude just to get a degree."

It had absolutely ZERO to do with the fact that I preferred to drink beer with my friends, go to the river instead of school, and work rather than study!

Haha!


~Tejaas~

 

[benjamintmiller]

Loans are for houses and education, not for cars*

Cars lose half their value in four years. Why would you ever finance something like this? If you can't come up with the cash for a car, you probably shouldn't buy it.

* An exception is made if you have the cash but choose to put it in an investment account that yields more interest than you pay on the loan.

 

[harmless]

you're asking for opinions...here goes.

He's 20, treat him like it. If he was 10, no problem making him take his bike back to the store that he over spent on. Making him take a purchase back makes you look like a control freak.

Natural consequence is the best way to let young people like your son learn. Just make him honor whatever repayment schedule you have with him, the 20 bucks a month comes out of his disposable income.

When my son was in college he learned some painful lessons because he made a few poor financial choices and i didn't bail him out. He learned not to keep making poor choices like that because he had to eat the fruit of those choices. Me trying to control the situation to make it work out the way i thought it should go would have caused him to resent me.

He's a man trying to find his own identity apart from you, let him make some choices..even if it's not what you would do. That's how they learn.

x2 . . .

 

[Trikerider]

Here's how I dealt with a similar situation. When birthday time came around I gave the usual card with 100.00 payment on account, she paid me in full about a week later.

Trikerider

 

[grommit]

How about another approach? He made a mistake, be honest tell him how you feel and help him get past it. At 20 he may need a friend more than a parent. The last thing you want to do is drive a wedge between him and you that will be hard to overcome. I found that parenting must change as the child ages. I know your pissed and rightfully so, but he's learning to be a man and will make mistakes, don't dwell on it. Help him come up with his own solution. At his age one must be careful about ruling / guidance.
Young people do dumb things, hopefully they learn by them. Good luck

 

[nicksnothereman]

That's $480 he should spend on hookers and blow.

Seriously, if he had spent it on Harbour Freight junk I'd be concerned. Financing a quality tool that he will have for the rest of his life, congratulate him on a wise decision.

Yes they will let you return it, but you're being ridiculous in my opinion.

It was an impact so I'm gonna say...no. Hand tools? Sure...gotta lifetime warranty but most of the pneumatic or electric stuff doesn't (I recall that being a situation). Far cheaper solutions in this case such as going and buying an old ingersoll rand for 40 bucks.

Not that I comment (all the time) on other people's situations but...the kid might enjoy the idea of something for free now that you pay for later (at an inflated cost). I was never really like this and it's a dangerous sentiment with "secured" contracts (which I think snap on uses and I'm not sure how) because if you don't pay they can repo the tool and charge you the full amount. If op is on the account he should pay it off and close it. If his kid needs tools he should pay cash. If he can't afford it get something cheaper from another truck brand.

 

[Rickster]

You haven't failed. You raise them the best that you can and then it's up to them to use that training. One of the hardest things to do as a Dad with adult kids is know when to STFU.... I struggle with a lot! They have to learn the hard way on some things and hopefully their struggles are small ones. I would recommend pointing out the obvious warnings of going down this pathway and remind him that salesman only get paid when they sell you something so they are motivated to use you. I don't know if Snap-on would take the tool back, but it's up to your son to decide if he wants to take it back and if so to contact the salesman.... stay out of it.

 

[ScottsGT]

Count your blessings, Dad. My 18 yo owes way more to the court for a stupid move and then he goes and gets in trouble again and owes even more. At this point in his "know it all " life, he moved out without a job, is late on his court payments and got arrested again for simple possession and a traffic fine. I bonded him out on that last one, (this was the day he moved out) and he basically spit in our face after we got him out.
He even had the balls to ask if he could take the car I was letting him use. It was supposed to be his upon HS graduation, but he has screwed that up twice already.
We're in the "Tough Love" phase now, and it's harder on us than him.

 

[1grnlwn]

Count your blessings, Dad. My 18 yo owes way more to the court for a stupid move and then he goes and gets in trouble again and owes even more. At this point in his "know it all " life, he moved out without a job, is late on his court payments and got arrested again for simple possession and a traffic fine. I bonded him out on that last one, (this was the day he moved out) and he basically spit in our face after we got him out.
He even had the balls to ask if he could take the car I was letting him use. It was supposed to be his upon HS graduation, but he has screwed that up twice already.
We're in the "Tough Love" phase now, and it's harder on us than him.

Sorry to hear that. It seams like a 100 years ago since they were little and used out stomachs as slides. Hang in there.

 

[bry@n]

I remember making bad choices as a kid and I had nobody to bail me out. Learned lots of lessons the hard way. That being said, my dad gave me advice; some was good and some was bad. At 20 I was my own man though. I think you should treat him as such.

I live in a glass house also, but I give my daughter reasoning. that's the best we can do and hope they make good choices.