Auto Lending: Last Week Tonight with John Oliver (HBO)
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- Опубліковано 13 сер 2016
- Auto lenders can steer vulnerable people into crushing debt. Keegan-Michael Key and Bob Balaban help John Oliver show exactly how.
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"Boy did we screw these people with their mortgages, they're living in their cars now."
"Hm, cars you say..."
lmao
+nGon- What a great idea 😂
/)
+nGon- you backwards ignorant fuck. #Hillary (btw I hate Hillary and I laugh at your joke)
You hit the nail right on the head.
"The Lincoln assassination but with cars."
...So the Kennedy assassination?
Touche.
I mean, it was a bit cooler tho...
I think Johny's got a point here...
I laughed too hard at this 😭😆
One EPIC trip with the car bro.
Too soon...
Now that you've watched this, think about _why_ America has designed cities where everybody - even the very poor - need to spend thousands of dollars per year for the cost of an automobile, just to participate in society. Car-dependency is not an inevitability. We can design our cities better. Even if you like cars, you should be willing to join the fight against car-dependency.
And transit system fares for an entire year are usually (at maximum) 1/4 the price of paying for everything about a car :)
That sound like you want commiusm there pal
That is a bad idea. Once it is possible to live without a car, mad eco-maniacs will fight for it to be mandatory to live without a car.
Not just America, many countries do this. Been to Australia, it's exactly the same. If you don't have a car, you're fucked. If you do, they fuck you in a whole different way. No idea why anyone lives in these shitholes.
@@MegaMementoMori Slippery slope fallacy.
I will never tire of hearing John Oliver saying “TRUUUCK YEEEAAAHH”
He objectively says it better than the song itself
I will never “tire”
It's so trucking good
I drive a truck and never heard that song before this. and I thought I knew most all of them by now lol
He nailed it for sure
I'm a terrible parent? HAH! Joke's on you, this isn't my kid!
Somebody call the cops! We've got a kidnapper here!
Did you get that kid from a car you repossessed?
I swear it was already there when I found... reposse... bought that car!
welp time to return this one to the park where I found it.
lol Good one
Me: Actually puts my 9-month-old daughter in front of the screen
John: "You don't know I'm mocking you"
9-month-old: Excitably babbles and reaches for John
Well, he said 7-months-old. Using a 9-months-old is cheating.
@@mondhase5915 Lol I'm probably still a terrible parent
@@Queen_Siobhan Was that ever in doubt?! Like, no one ever asks a trump supporter if they beat people they dislike/their wives/their ex wives/someone they have been told by a 'friend of a friend' possibly is a democrat? It kind of goes without saying... :-p
@@pastaspaghettimonster1893 i'm sure that was a joke, but at the same time, dismissing the other side is one of the problems that got our politics into such a shithole.
@@spv420 I couldn't agree more. However, I believe joke and satire can also be useful in politics. I know a lot of his voters vote for him as he is the republican candiate, and that is there party of choice, and thus they would for the party. However (and I admit definitely the minority) of voters vote for hi, base on him being very vocal against democrats and politically incorrect. That minority was who I aimed to make fun of, although I am not suggesting all of them do what I suggested.
However, I bet a higher proportion than national average would. I say 'bet' as I have no stats to back that up but at least that's how news in Australia (ALL channels and ~80% of newspapers) report it.
Thank you for being a thinker that questions what they read, and have a good day!
The year is 2020 and the calmness of a British comedian discussing the logistics of automobiles is the only that that allows me to sleep
Keegan Michael Key is a national treasure and needs to be protected at all costs.
plz don't let this comment age like milk!
ua-cam.com/video/MsYwFfZS1UQ/v-deo.html
@@filminspector6775 so far so good
Never watched a comedy show and get informed like this show. The level of research and amount of work you guys are putting into your material is absolutely unbelievable. Thank you
You do realize that Oliver is quite biased
+Splugen pass you do realize every single person in the world is biased in one way or another
I don't know about all that. These auto loan people are clearly predatory, however if people didn't agree to the crappy deals they were offered the dealers would stop doing it. It's the fault of the consumer and the dealer, but the video only blamed the dealers.
Of course. Notice he doesn't mention the buyer's responsibility to buy a car they can afford. Or my single moms comment above. I find I'm 50/50 on John O. Half the time I'm cringing at libtard shit like the pay gap, and half the time I'm cheering his amazing brilliance. Examples include: NCAA basketball, iPhone security, Civil forfeiture
go hawks
damn that poor car has seen more shit than a $20 prostitute.
hahahhaa
the worst part is that it didn't even start out as a high dollar prostitute, it went into the game demanding $20.
+Adam Rouleau So much truth it hurts
The two have probably met at some point.
Not quite. It's a 20$ prostitute sold for 11'000 $.
For those wondering about that lady's commute, I live in an area with a similar situation. Basically where I live is on top of a high ridgeline, above a bend of a river. My friend's house is just two suburbs away, round the bend and in the valley below, by the river. If one could drive, it would take just ten minutes to do the 2.5 miles. But if one had to use public transport, one'd have to get a bus into the city, which takes about 25 minutes, then another bus back out, so another 20 minutes. Factor in walking to and from bus stops, wait times for and between buses and potential delays, and it could easily take an hour. Our record for making that commute was 40 mins, and that was late-night, no traffic, the buses fortunately synced up and no one else got on or off. One could cycle but, given going in one direction would be up the steep ridge, it would be very difficult; I for one have bad knees so could never do it. Walking the whole distance takes an hour and, again, not something someone who is unfit or compromised would want to do.
🛵 ? Or 🚲?
I used to walk/take the bus to school. Took about an hour. Driving would take 5-10 minutes. Hell, walking directly there would usually only take 45-50 minutes, but then I'd have to walk the entire way, and I barely managed to show up at all half of the time, so y'know.
Thank republicans (i.e. one billionaire manipulating half the country into following his abominably idiotic pet theory) for having no transportation. Next thing they'll think of is ripping up sewer lines so people can drink and piss/shit in plastic water bottles. It's the same thing as forcing people to travel in extremely dangerous bottles on wheels that cause so much of the pollution in the world. It's unfathomably stupid, and benefits no one.
I'm poor too, I tend to move to wherever my job is and I find jobs in areas where the rent is low. I don't have a driver's license. But I also don't buy on credit and try to save to buy stuff in bulk. When I lost my job, I mostly lived on potatoes, eggs and fruit. Friends of mine have big houses, but they also have to work 50-60 hours a week. I work in healthcare, 24 hours a week. For me, it was a choice, though... My parents were sort of wealthy, but also immensely stressed...
Get fit and bike up the hill.
Sounds ignorant but I don't care. l know plenty of people who bike to commute, as do I and I have to get up a hill on my way home as well.
I’m amazed that they took both the car and the baby. I remember seeing something about a car thief who was stealing a car from a store parking lot, discovered there was a baby inside, brought the baby into the store, and then took off with the car. In other words, a car thief off the street has more morals than these assholes.
I'm kind of upset that she left the baby in the car in the first place.
im envious of all the people in the comments who have CLEARLY never severely struggled financially. good for you, but before you ask 'how someone can be so stupid', consider that you have no idea what its like to really struggle in terms of money. its so easy to get trapped
I know. I still used to walk an hour to work and stretch my meagre budget to healthy food (oatmeal is still cheaper than pop tarts). I lived without borrowing. It was hard but possible to do.
The entire economy is built upon borrowing, which is one gigantic capitalist ponzi scheme. Sure, people can live without borrowing, but if we all did, every major financial sector would collapse. They designed it this way.
so true
Truth my gangster. Credit score shows how good you are at being in debt
But, Climax, every financial sector collapsing might not result in the apocalypse. An economy based on collateral and living within one's means is feasible. people seem unhappier than ever and they have more than any other generation. I wasn't trying to simplify it all or slag off a particular person. I'm just saying it is possible to avoid most debt.
I worked as a sub prime finance manager for a car dealer for about 5 years.
It's insane how low they will go. I got so stressed out and felt so awful knowing a lot of these people were getting into loans they'd never be able to afford that I quit a $85,000 a year job to go back to school and become a chef. ( after spending $50k. In 2 years , I'm still making less than half what I did, but I don't feel like a heaping pile of dog shit anymore)
I literally felt so awful that I couldn't sleep at night. It's an absolute miserable bottom feeding scam business.
You need to have no soul to do that for a career.
I couldn't imagine doing that for 30+ years.
FML
Soooooooo they’re hiring? Where?
Jason Douglas
Good for you for quitting! It sucks we have to struggle more to survive if we actually use our moral compass when picking a job, and it’s a hard decision making less money for your family (and therefore not being able to do as much for your kids as you otherwise could etc etc) to prevent contributing to the hardships of another family. Just, good for you, dude! If more people were like you our country wouldn’t have these kinds of God-awful messes in the first place!
Good on you for making that move. It's a shame that some people aren't able to make such decisions because they're caught up in the rat race and have themselves tied down financially. Worse yet are those people who think they're not doing anything wrong by pushing those plans onto vulnerable people.
It's nice to hear you have morals and a conscience. Not too many people have that combination in today's world. Good for you!!!!!
@@mjallen1308 lol. I'm sure you're joking. But I guess a lot of ppl growing up today believe in greedy inhuman treatment is a thing to consider, or they feel like it's the only path to take. Their parents or grand parents didn't learn good things in life to pass on to them. It's unfortunate that for some, when they finally wise up, it's too late.
So I work at a bank, and I see people who have taken out loans like this ALL the time. They are so predatory! If you have a 520 credit score and have defaulted on several debts in the past, you need a financial counselor to help you rebuild your credit and savings, NOT another loan. My biggest suggestion to people is to get approved at a bank that you *trust* first, and then go look for cars with that set amount of money.
"And normally, if you add the phrase 'but with cars' to any historical event, it sounds a lot more fun, like 'the assassination of Abraham Lincoln, but with cars.'"
The assassination of Archduke Franz Ferdinand had cars, and that was decisively *not fun.*
I would argue the only historical event that is significantly improved with cars if you are literally adding the band Cars to it.
@@Lowkeylie Perhaps. If you added the *movie* Cars as well, though, it'd be a net loss on the fun scale, I think.
Imagine all the video games we wouldn't have if not for WW1... without 1 we can't have 2!
Alright but we did get a great 2000's British rock band out of it
JFK
The thing I love about John Oliver's show is that they do good investigative journalism. He's very intelligent and he has some extremely bright writers working with him. On their main segment of every show they go in depth on one terrible issue. Also this satire bit at the end is the best he has ever done. That's saying something considering he has some great ones.
There's also vice, but other than that...yeah.
But, What about Jeff the diseased lung in a cowboy hat?
This show is the most important on TV right now
Actually, he'll never be able to top his sesame street prison bit.
Bob Balaban makes everything better :)
I finally understand what's the job Franklin is doing in GTA 5
It's disturbing how accurate it is to real life too.
Yeah, me, too. I had an enlightenment on why Franklin thought his job was "low" xD
Yeah but instead of a baby in the backseat he got a pistol toting Michael De Santa
brad carver That turned out pretty well for him in the long run though... Assuming he doesn’t die.
@@bradcarver8127 tgen he got invilved in a load of insane shit, a turfwar between the CIA snd FBI but robbed $200m in gold bars and is now one rich mofo
So maybe DON'T check the back seat when repoing. You never know what might happen.
I felt like poor crazy Walter couldn't read his cue cards in between the explosion of tinsel raining down in front of him lol
Lol
for a second there, he really got pissed off xD
Look at how he looks at the bucket, haha
At the time, Bob Balaban (Crazy Walter) was 70 years old. Bless him for trying the little air kick.
@@corbeau-_- I think he was acting but either way it was pretty funny
@@gaylebynumcardosa7034 Thank you. I sat there for few mins going I have seen him somewhere. He is the NBC CEO in Seinfeld.
Visiting here in 2020 all nostalgic like, “Aw, I remember when we had time to care about things.”
shit moves too quickly nowadays
2021, same thing. To be fair, we had more time to think than ever before, but we decided to mostly spend it on squabling - about nothing... As usual...
@@corbeau-_- yeah we have no excuse for this garbage. It’s all because we stopped reading and caring about the progress of the human spirit
2024... humanity is still fucked
When I became disabled and unable to work, I was forced into bankruptcy and lost almost everything. It wasn't even a month until I started getting letters like explained in the video for credit cards, auto loans, every other type of loan. I had literally lost almost all of my material possessions, along with a lot of other things in my life, due to disability, and I had more "pre-approved" credit than I ever did at the $80k per year job I was working for before I became disabled. It was ridiculous! And I knew it was bad when my bankruptcy attorney warned me that it would happen! This has been going on for so long and it's ruining people's lives. It's about time that the media is starting to take notice.
Sorry to hear that, hope things are better for you now, and you are right many Americans are hurting right now because of this, now we need our congress to step up and help us by raising the minimum wage and giving us the lift many need to get us out of poverty.
Please stop Hoping and start Accepting the fact that congress doesn't care about the average American. The life spans of Americans are actually falling; the poorer half are dying sooner.
A good part of the United States is starting to resemble the impoverished areas of Rio, Brazil.
Yeah, I know where you're coming from here. only reason it hasn't happened to me is I never bothered with the whole bankruptcy thing.
And so when you get letters like this and you KNOW you can't afford to pay back the credit card or to pay the car loan, you rip them up and throw them away, right? No one forces anyone to apply for loans that they can't afford nor are people forced to spend money they don't have. That is a choice.
Well yeah. Even now that I'm back to working part time, I don't accept these things. Always read the fine print. Some of these "offers" have up to 30% interest rates. That's just financial suicide. I don't even have a credit card anymore.
Who else expected Jordan Peele to be Crazy Walter?
do you know who that guy was, btw? :)
Coco S The guy who actually played Crazy Walter?
Me.
+Coco S do tell
+Smartijnmenm Sorry, I actually am asking if anyone knows, since the audience was clapping so wildly for him?
Me: Hears 'Sub-Prime' in any context
My Brain: *SCREAMS IN TERROR*
Broke: repossessed
Woke: stolen by rich people
^communist
@@williambrennan104 alright sure, attack me rather than my point. if you think i’m wrong then maybe say how i’m wrong instead of calling names.
@@namiix7365 communist isn't a bad name... Just as capitalism can be abused, so can communism. Always by the top 1-5%. Both communism and capitalism can be wholesome, but tend to be destroyed by greed. Every system on earth has this problem: We humans control the system and we aren't fair when push comes to shove. Hence a repeat of history.
But yeah, he had no valid point whatsoever and did try to offend you - in his own silly little way. Petty at best.
America thrives on nationalism as well and like with the nationalistic socialists (who were also fascist) that can be a very bad thing - thinking you are better, for no clear reason. American exceptionalism isn't that far off from claiming to have superior genes, like the Nazis did...
@@williambrennan104 based Chad communist*
"sleazy lobster selling it to a poor unsuspecting fish"
... Anyone else immediately think Mr Krabs?
If only he said crab!
It would have been so much better if he mentioned spongebob
Surprised he didn't use a loan shark joke
Crabs aren't lobsters... You are speciesist for saying that, and so is John The Bird Man Oliver for saying it
“So why did you sell the car?”
“M o n e y.”
Remind me again how America is the greatest country on earth.
Used car salesmen do not represent a whole nation.
I didn't realize we were all used car salesmen holy shit when do I start my new job?
it _isn't_.
What about Payday Loans? Debt Buyers? Death Penalty? The NCAA? Marketing to doctors? ALEC? No paid leave? No free Health Care?Abortion Laws? Torture? Public Defendants? Judicial System? Lead in water? Congressional Funding? Lobbying? Mandatory Minimums?
Do these things represent the whole nation? Oh wait, I forgot the most important thing. Donald Trump.
always nice to punch down while you're money is mostly used to finance tax cuts for the rich and wars that big companies profit from.
back in the day this was called lone sharking and it was illegal
loan
@Alexander Steel ily
It feels like it should be criminal but somehow it isn't. as a European:that sums up how I view the US in recent years
It's been this way since our beginning. Our genesis was brought forth by a bunch of wealthymen who used the population's frustrations against the crowne to enrich themselves with their own robber state while stroking their cocks over ideology.
Damn, what kind of place is 2 hours away on bus and train, but only a 10 minute drive
Looks like she is too disabled or something, to walk or ride a bicycle.
I'm guessing the public transportation doesn't take the highway
Public transportation is pretty terrible, unless you're in a big, big city like San Francisco or NYC
Narnia
I take my wife to her job on the way to mine. Takes 12 minutes. Her getting home on the bus takes about an hour and a half. The busses have roundabout routes and a crappy schedule to boot. The stop closest to our house is also about 1/2 mile away.
"I have an upper limit of $2000-3000."
"She took out a loan of $8000."
...I feel like I'm missing something here.
Welp
It's called capitalism.
Administrative fees, sales tax, basic warranty (that actually doesn't cover much, if anything), sales fees, dealership fees, finance fees.
its easy to imagine it, you just have to think like someone who sees other people as subhumans, only useful as a source of cash to you.
+bp92009 all those things costing more than the price of the actual car is still pretty fishy.
Yeah exactly. Read the shit before you sign lol
In my city, Melbourne Australia, ppl living in the outer suburbs usually leave their cars at the train station and take the train into the city to work. It takes roughly the same time but it saves them on the petrol cost- its $1.49 here- and they don't get stuck in peak hour traffic. Also we don't have to pay for parking here at train stations, or actually hardly anywhere. Cars do not get towed away here due to parking laws like in the US. Don't know why I added that, but there it is. Peace out
I think everyone’s sleeping on exactly how in tune that “truck yeeeaahhhh” from John was
2k dislikes from all the people who previously owned that Kia.
01man01truck buy here store owners
Top notch hahahahah
lol!
LOL!! Well done!!
01man01truck hyundai...
Crazy Walter's attempt at a jump 17:07 17:29 is what I live for.
littleblueclovers is
littleblueclovers the cutest thing ever
well he's not an entertainer but he tried hard and remembered all his lines AND remembered to skip on the way out lolz. I call that champion effort.
@@jemiebridges3197 ? you mean Bob Balaban?
LOL!!
I dont remember who said it but a wise person once said ‘ being poor is expensive’
Beautifully said ! Yes
I believe that was Sir Terry Pratchett. GNU Terry Pratchett.
One of the best John Oliver Episodes ever.
@6:00 She left her baby alone in the car and no one cared?
The incident probably happened before the hot car incident so no one really cared. It was taboo but nothing to truly care about at the time.
+nathaniel holden we didn't need babies to puff there cheeks in a car to care when people left there babies you idiot. That's some real donkey poop
That's what I was thinking. Who leaves their baby in the car? I like John Oliver, but he is a little quick to defer personal responsibility in order to present people who make bad decisions as "victims."
+PingWildShot Gaming you are implying that I don't care. Well I do. All I said was stating my opinion why it did not get the news coverage or why it seemed people did not care.
For example. The police brutality and racial profiling (used by police) problem. It has been around for years and years. But people didn't pay much attention to it because it got no news coverage or was part of a nation wide movement...I would like to make it clear that I'm not saying there were not people who cared about the problems before the news took a look at it, or that I don't care about it.
In Denmark we leave babies outside of cafés/stores/houses so I don't really see a problem with that..? What would you expect to happen..?
Do one about NASA's huge lack of funding!
NASA is enough of a suck on our economy. We need to give them less, not more
It's true I don't really give a shit if et has homies as long as they stay there and we stay here I'm good
+syawkcab Instead of giving NASA less, we should just stop funding Israel and Saudi Arabia
+syawkcab No, and not nearly as much as you are wasting on your army
+syawkcab can't tell if you're joking or not....
Here's the replay button in case y'all needed one: 0:19
That impression is trucking gold!
That Crazy Johnny/Jimmy bit was awesome
All the funnier because John is NOT pulling off that cowboy hat 😂
Just as a theoretical exercise, I tried to see how far I could go in 15 minutes (she said 10/15 minutes in the video) by car if my house was very close to the nearest motorway in my area. Then I tried to see how long it would take me by bike or by walking. Here are the results:
- by car, it would take me 15 minutes;
- by foot it would take me 3h17min;
- by bike it would take me 1h15min;
- I didn't calculate how long it would take by public transportation, because I don't know the routes here (I have to drive a lot on my job, so I don't use public transportation here).
Mind you this is a semi-rural, mountainous area, and most of the roads are uphill (or downhill, depending on the way you're going). So, either going to work or coming back home, you'd face steep inclines and harsh weather - very cold (around 0º C, sometimes below) and/or rain in the winter, very hot (around 35º C) in the summer.
So, as you can see, it's not as simple as "Just walk" or "just get a bike".
Miguel Silva jesus, not to be presumtive, but how slow do you move? I cover that distance 1.30hr on foot and 40ish by bike. And then i wont be hurrying. Uphill and downhills. In Norway.
What distance? There's no mention of any "distance" in my post.
@@miguelsilva9118 The average person walks at about 5 km/h, at 3 hours and 17 minutes walking time, the distance is about 16.5 kilometres. Depending on the surface and terrain, speed on a bike can vary. I live in a fairly rural area, but I have a fair amount of flat ground with some inclines and reasonable road surfaces and pathways. I bike a fair amount and I average 20 km/h on each trip so my travel time would be 50 minutes. It's hard to find average bike speeds but a survey was made in Copenhagen and the average speed there was 15.5 km/h, which would put the time at 1 hour and 19 minutes.
However, even at average speeds, the trip is still faster than she says public transport takes, so it would still be beneficial for her to go by bike.
@@Numaticin That's not accounting for US traffic in a congested city, safety standards, or road conditions. I've biked in a city before, Ottawa, but it has specialized bike lanes and paths designed for our use. Many non-US cities do. But America is ass-backwards about this, and if her route involves highways in any degree biking's impossible. Either way, we shouldn't be telling a freaking mother to put her life on the line every day just to get to work.
you see in my case i can drive to the next town in 15 minutes but becouse of zoning laws its impossible to walk there and with poor public transport i will spend around 2 to 2.5 hrs on getting there
do one about underfunding nasa. for real.
Why fund nasa? We need $$$ to build walls and moar bombs FUCK YEA DONALD TRUMP IS GONNA BLAST EVERY *non-white americans* TO HELL AND THE CHRISTIAN AGENDA WILL REIN ONCE MORE YEEEEHAAAA!!!!!!!!
+Charlie Brown lawl. funny how we can't blast the colored away because we didn't fund nasa
This is a great idea, NASA funding is very important.
yes please!
I agree
Keegan Michael-Key is a treasure and my heart exploded with happiness at the last couple minutes of this video. that kind of happiness interruption is the kind of thing i thin we could use more of in 2020
Best part of the video is that little jump Crazy Walter does when he's leaving the set. That's commitment to a role!
Did they... TRACK DOWN THAT CAR?! Holy shit, these guys are dedicated.
#adfriendlycontent
Yeah with that actual baby in it, can you believe ?
Clearly, another good use of that HBO dragon money.
HBO dragon money lol!
Tracking down a car, buying debt, setting up a mega church and donating the proceeds to Doctors Without Borders, charging 1,000,000 dollars for wet wipes for Doctors Without Borders, having Stephen Colbert stand on a statue podium, getting the real Lord Bucket Head... They deliver!
Regulation hurts businesses! Government shouldn't interfere! Free market! Etc.!
People who squawk things like this should remember that they're pushing for the un/de-regulation of the scumbags who caused the mortgage crisis, and are going to be responsible (but probably not held accountable) when it happens again.
Actually, if it weren't for the Federal Reserve creating these conditions by helping hold big banks together and their tendency to keep interest rates below the market value, it would be impossible for this kind of shit to happen.
+Jimmy Danly lol so you don't think mechanics and car salesman, people who are almost exclusively for being sleazy, are going to all act on their better angels and stop ripping people off? Things would be worse off if there was de-regulation because companies would be allowed to screw over employees and customers, and the customers and employees wouldn't have a choice but to keep using those businesses.
+Iamcamper31 If we solved the root of the problem, there would be no economic incentive. The Federal Reserve's meddling is what makes this profitable. If we deregulated the banking sector, and by that I do mean abolishing the Federal Reserve, these loans would not be made.
Or you know, don't spend money at these places, real simple
+Jimmy Danly You do know why the banking sector is regulated, right? There once was a time in America when banks would regularly fail and cause entire towns to lose everything they had. We have business and working environment regulations because whatever it was that got regulated didn't work in the past without regulation. Deregulation is the battle cry of the ignorant.
John kills these segments. My new favorite show..
I love how when they pan to the baby, it has its hand out like, "Wtf is you lookin at?" Lol
Is it me or the baby looks like James Corden?
Can we appreciate that John actually sang that well?+
Someone please explain this to a European: How on earth does a 10 minute drive turn into a 2 hour long buss commute?!
Bad connections. I bet she has to go in the wrong direction first before she can get into the bus that drives past her destination..
That said, right here in the Netherlands, a commute which takes me 45 minutes by car takes me 2 hours by bus. (and 3 hours by bike)
+KETimiko 30+ minutes between busses, 1+ hour between trains depending on location. you are better off walking than taking public transportation in America.
buses stop everywhere, that alone adds a ton of time. Let's say your place of employment is 4 miles east of where you live, but the bus route goes 3 miles west, 4 miles north, 5 miles east and then you have to change buses to one that will actually take you close to work. Shit can be crazy, man.
Trainboy1EJR Wow. That's insane. I mean I knew it was bad but this bad? If parking wasn't an issue it would take me 10 to 15 minutes to drive to work, it takes me 15 to 20 minutes to take the buss to work, and (let's just say there isn't a slope on my way) it takes me 20 to 30 minutes to bike to work. Fuck, I'm pretty sure i'd get there in 45 minutes if I walked.
It's called having one of the worst public transportation systems in the industrialized world.
I got chills from watching this video, when will we get our heads out of our asses.
when we all become millionaires
When congress stops working for Wall Street and chasing campaign dollars, and actually does their job.
+James Closs People love complaining but at the end of the day the people have the power, and more resources than ever in the internet, to fix things. The issue is people don't care.
The best part is, the people don't even have to wait for Congress to change its act, we can simply choose not to do business with these dealers/lenders. Weird how this shit works.
soon as we take a shit..... but were constipated
In Germany it is very common to buy used cars from private people, e.g. over ebay local or via newspaper. My VW Lupo cost me 1500€, and I'm a student with little financial resources. I saved 3 years for it, but it's completely mine now. I'd hate not owning it. It is an old and small car but does its job and runs well. We are a family of car mechanicans and always buy old, used cars privately. You can't do much wrong with a 10 to 20 yo VW Polo/Golf/Lupo or Audi Passat. And it's in general best to only buy something with a loan if you cannot avoid it. Only our house is financed. We don't own the newest or fanciest stuff, but it's ours. You can quickly sink deep into debt with those rates...
"You can easily end up with no car _and_ thousands of dollars in debt." That happened to me.
Last week tonight is stunning piece of television work
thriversoffset I agree. Very Funny!!!
They're a bunch of American hating Communist filth.
Tab Utu WTF are you smoking? He isn’t even a Yank!
It's a show of reality. Exposes the filth wrapped in glitter wrap.
It’s more like a corporal embodiment of George Carlin. May he rest in peace.
The bankruptcy thing is true... Literally days after my parents filed for bankruptcy they received an insane amount of letters advertising for loans.
Same
Disgusting
Yup. Mainly as the marketing partners of those companies pay to see the weekly lists of new filings nationwide as such cases are public record for 10 years.
"The crucifixion of Christ----- but with Cars" !
I remember seeing this BEFORE my divorce thinking the car we were trapped in was bad, then AFTER the divorce in 2020 Bridgecrest couldn't wait to proof Mr. Oliver right lol. I'll never be out of debt.
*FOR SALE: 2003 Kia Optima.* -1 owner- 11 owners. -Excellent condition- You’ll pray for death within the first 50 miles. -Never driven in snow- Always towed in snow. -275 bucks- $11,900 -with attractive financing- We’ll eat our hats if you make it to 4 payments. *Schiester Motors* _Our goal is your complete_ _-satisfaction-_ _financial ruin._
👍😀😀
I've been looking for one of those
I wish there was some way I could give this a slow clap over the internet. Nice.
+Nahodakk Nah, I'm happy to give deals on my "1 free sex" coupons
and the best comment of the day on youtube goes to this guy!
Come on, John. You of all people should have recognized sarcastic glee in that bankruptcy lawyer.
Yeah I was surprised at this as well
12:21 the audio is suspiciously different than what came before and is to come after...
Maybe a technical glitch in the recording meant it had to be VOed by John for the video?
Or maybe he got some info wrong in the HBO version that he wanted to correct for the UA-cam version?
Being poor in merica is expensive.
this video is a great gift for my birthday today. Thank you, John Oliver..
And yes, a video is making me happy. My life is quite sad!
We, w, w, w, we don't care. ;)
+ppbur neither do my friends.
+ppbur I get the point
+Konsta Hietala sure
.
The underlying issue is the utter destruction of decent public transport out of the suburbs during the 1950's!
Thanks to highways
Systemic Racism can also be thanked
Gigaman How is that the case when the suburbs (primarily white) were the victims? I’m assuming your not speaking of anti-white racism (which is very common, actually encouraged these days) because that’s impossible, right? Identity politics, you folks are the only ones thinking this way
@@dr.lyleevans6915 Its not race war. its class war.
People flee into the suburbs from "those other people" that can't afford to escape.
If there is viable public transport then the poor can go where you live. (And take your stuff) so you go to live in the suburbs where to get anywhere you need a car.
Funny thing. After a few decades you wind up getting a bus line to go down the main street in your suburb because otherwise the help cant clean your house, raise your kids, mow your lawn, or bang your husband unless they live there.
And avoiding the poor was the whole point of moving out there.
StumpyDaPaladin I understand, you have a point. I just didn’t like the racist connotations I read above (wasn’t just you). I live in the country, everybody gets along here.
I blame the quarantine but John Oliver has gotten unbelievably irresistible
I would watch an entire series of John Oliver teaching me everything my quantitative literacy class is teaching me. I’d learn way more than I’m learning now.
For anyone who’s confused (it’s very confusing to me...) it’s a class about money tips and life skills.
I love the little heel click Walter does as he leaves
19-29% interest is insane. Is there no cap on interest rates for auto loans? WTF. How is this even legal?
Because two consenting adults should be allowed to do/agree to anything they want to.
NO! We need the nanny state to protect us from those evil bourgeoisie. How can we be trusted to take care of ourselves and be responsible without big brother?!1!!
Problem is, we're going to pay for it either way. When that dumbass defaults on the auto loan and gets the car repossessed, loses their job, and files for unemployment, it's basically funneling our money toward whoever profited off the deal.
My first car was a 2009 elantra (12.500) i gave 2k down which didn help much and financed the rest... by the end of 5 years i would have paid 22k for the car that was worth 4k.....i totaled that bitch and even got some money bk
@Michael Szymanek Many people don't fully understand what they're agreeing to. These loans shouldn't be allowed - Period. Just because a car salesman can fast-talk unintelligent people into accepting insanely high interest rates doesn't mean it should be legal. Placing reasonable caps on APR is just common sense. Anything over 10% for an auto loan is ridiculous.
Again love you John Oliver
I've seen this episode about 50 times and for some reason it just gets better Everytime I see it😁
I was waiting for this to upload just so I can say NO The Imitation Game is one of the best movies ever!
...and if you pay attention you might learn something about early days cryptation and computing.
REALLY? you find that an "ok film"? this is like one of my favorite movies
I rate 1/1 I loved it!!
I had issues with it, but I work in the area of math he created and know people who knew his advisor. I enjoyed it before I started thinking about it (minus the one part where they actual brought up the turing machine.)
***** You seem to be under the impression that just because a movie follows a typical pattern that it can't be good.
I wish real news was like this.....
I love this show already after 3 episodes
I can't believe this segment ignored Neil Cicierega's song _Two Trucks_ . Truly defining work.
Last time I was this early, Key and Peele were still on Comedy Central...
*manly cry*
What's a "manly cry" supposed to sound like?
+Charlie Brown Moooowaaaaaaaaaa! Deeply voiced.
+Charlie Brown loud and scary
+Charlie Brown sounds like a regular cry except there is much more bacon
+Charlie Brown Monster trucks and fuckin'
This video is un-trucking-believable.
bad you
+Charlie Brown good grief
Had to be said
This is the corner where all jokes get repeated?
Oh great. Go on then...
My first car purchased at a dealership was a nightmare. They charged me 29% in interest. They took advantage of my lack of knowledge in the automobile industry and my urgent need for a car.
Happened to me too
How in the hell is that even legal?
THE IMITATION GAME WAS HEARTFELT AND A VERY GOOD MOVIE AND CUMBERBATCH WAS AMAZING
Lending rates over 12% should be considered loan sharking, and it should be a FELONY.
Seriously! 29%? That is _insane!_ You'd be paying double the cost in just interest, let alone the original jacked-up cost.
Because it’s not forced. People have to be responsible for their decisions. Like all those bitches complaining about student debt. Grow up.
To be fair though, as P.T Barnum once said, there's a sucker born every minute. If you're foolish enough to get sucked into a situation where you pay anywhere from 19-29% interest on a car, on top of the marked up price ( when compared to the real value of the car) when the value of a car literally depreciate every year and every mile you put in it, you get what you get.
While I dont agree with the lending practices of the so called sub-prime lending industry, I feel it's up to the individuals to understand the terms and conditions of the contract and make an informed decision on whether or not to agree to the terms of the loan. I don't expect everyone to be able to dissect the contract like a lawyer might but they should understand the basics. If a company is gonna screw you on interest rates, don't accept the loan offer, it's common sense. Also never buy a car without first taking it to an independent mechanic. It's best to spend the $100 or so to have them look it over than to have the car break down before the ink is dry on the contract. Again common sense.
Furthermore the ability of these companies to be able to swindle shows that Americans have little to no contract literacy or the ability to understand how credit works. Maybe instead of having high school kids learn about how Romeo was boning Juliet against the wished of their respective families, maybe have a class called contracts 101 where it teaches you the basics of reading, understanding, and writing contracts. Just my thoughts
@@chuckhickman8093
I would love to agree with you, whole heartedly, but thats is just not likely. Too bad tho.... Too bad...
The problem is if you have bad credit this is litterally your only choice, its either that or not have a job or a home
So... re-re-re-re-re-re-re-repossessed? Should've called an exorcist.
Samira Peri LOLLLLL I LOVE THAT MOVIE!!!!
Your manufacturers in here with us, kia optima... lol
I like the way John analysis and explains current events many thanks
hearing the bit about the smoke detector bit was amazing. the smoke detectors in my house have all been going past their 7-year expiration date since yesterday and now we have to take them all out and they literally will not stop beeping until we do so
Being an army vet, I remember seeing young soldiers who were 18 or 19 get screwed all the time when buying a vehicle with up to 28% interest!!! places right outside the base who prey on them because they don't know any better.
they joined the military that was the first sign they didnt know any better. The military preys on poor people promising things they cant keep.
I joined too man and loved everything about it. Got everything and more from it too and am now going for my master's and haven't paid a cent thanks to the military.
The only problem is that if there is a war, well you are screwed. Unless you're a radar operator or something.
Watching John Oliver at 3 am on my birthday!
Wooooooo!!!!!
Well, happy birthday!
Happy Birthday.
nobody cares
Happy birthday!
GG you win life.
I keep watching this episode mostly for the Nathaniel on his pennyfarthing bicycle bit and the Saga of the pre owned 2003 Kia Optima!
I absolutely love crazy walter
Every once in a while I think about that car and wonder where it is now.
It's probably the exact same one in the ending act
Bummy McBummface 'stolen and then repossessed again! ' were their words in the end
been sold to a fish by a sleezy lobster who then repossessed it to sell it to a whale. I hear some sharks have their eyes on it too.
The car was the one which was shown in the ending.
it is with harambe now.
God Bless
Holy shit It's Key....... Nice work Getting Key to go batsqueak insane with you on that Crazy Johnny Bit
Oliver is a great comedian, but he let Key totally run with it, and he made the scene. Glad he was there.
+F1god04 John is pretty generous in these skits though
When my wife and I filed bankruptcy in 2012, we were hit with hundreds of offers for subprime auto loans, for both used and new cars. With auto prices going up with tariffs, and other crap, this is more relevant in 2019 and 2020 than even 2015.
Thanks for the informative information!! It was just interesting enough for my husband to realize he is owing the banks too much for his auto payment due to errors on his shitty credit report. We also watched another episode of your show that further explained issues he needed to fix on his own credit report earlier this year!
Should do a similar vid about rental places: Get a TV for $20./week rent, and if you pay the rent for a year, you own it. Problem is: 52x$20= $1040. and it is a TV you can buy at any major dept. store for $199. So basically if you can live without TV for just 10 weeks (saving the $20. per week, you can save yourself $840. Typically this is even worse on furniture as most of these places sell junk furniture which may not even last a year.
depends, here buying on credit is not en vogue, but it's often not really more expensive (0% interest credits) or only a little bit. you actually often just pay the price divided by 12 or 24 (or how many years) per month..many people still suffer tho because they buy a lot because of that, and combined it's still too much every month for them to live by, and it's always a huge deal when people cannot pay their monthly rate
also, it's annoying to pay years for something that when you finally payed it is already old, too used, etc. haha, like with phones.
that said it's a nice option if you're broke and need something fast (like a washing machine) and don't have the time to actually save up, and i think one can live with max. 10% interest in such a case.
Casey Vee who the hell buys a TV ON CREDIT?? I've never even heard of that before, that's crazy? What's next, buying a tank of gas on credit?
@@tmanepic it's a Rent to Own store. You can "rent" appliances and furniture with the intention that after paying the rental fee for X amount of time, you've paid off the value of the item and it's yours. Rental agreements like this make sense if you're staging a property or living somewhere temporarily or something and maybe only need the items for a couple months, but many poor people get caught up in these situations as the cost is always way more than the value of the items rented. Nearly all RTO businesses set up shop in poor neighborhoods, and are able to exist due to our instant gratification culture and the general desperation of the poor.
@@ajm935 no I understand the concept of rent to own, I'm just saying that if you need to rent to own a TV then you really, really can't afford it. That would be like renting to own a tank of gas.
@@tmanepic oh ok, i get what you're trying to say, but lots of stores offer lines of credit / credit cards to buy TVs... it's not that crazy. Both Best Buy and Sear are perfect examples. Also the TVs they're renting usually aren't $50 (like a tank of gas). The average RTO customer usually wouldn't get approved for credit in a regular store, so they go RTO. They think rent to own is similar to an average store line of credit and the employees at the RTO place aren't rushing to correct them.
Lmao had this happen to me in 2008 by Drive Time who used, guess what, a 2003 Kia Optima and sold it to me for 9k... Is this the official fraud car?? My car got towed because it was parked in the wrong spot, then they repossessed it because of a hidden clause saying if the car is ever impounded for any reason, they have the right to repo it within 15 days. THEN, they said they're going to sell the car and send me a bill for the difference, months later I got a bill for around $11k. So they took my car, and tried to charge me for about 3x the KBB value. I hope the CEO goes to jail for life.
I wouldn't be surprised, it seems like that car was cursed and the CEO was summoning demons. Sorry you got screwed so bad, my dude. Hope you're doing well now.
@@shioneshiori4471 ffr
If I were you, I would have asked the tow truck gy if I could get something out of the car first. Then I would have gotten in it and I would have shat and pissed all over the inside, wiped my ass on the center console and gotten out saying: Ok, you can take it now.
Randy Randerson we are soul mates!
This is insane and should be illegal.
As the father of a 7 month old I absolutely put her in front of this 😂
In Germany if you sign somebody for a credit or anything similar without checking if they can even pay it back, you will end up in front of court as the defendant yourself.
I'm not sure if I'd prefer this or not
It seems like a good idea, but I can see that ending poorly for a lot of innocent people
if you are a buisness that is allowed to issue (legaly enforcable) loans, and you do not do you due diligence. you are no longer innocent, you wanted people to edefault, you wanted to rip people off@@michael5654
Car salesman here. One of the more upsetting things about this is that we often get people in that have decent cars but want to get into a better one despite having shit credit. So they come in, don't get approved, and then get angry because the place down the street has a similar car and has gotten them approved. I try to explain that they're just loan sharks, but no, I'm just an asshole salesman after their cash, despite the fact that I just told them to bugger off with their shit credit.
I would like to do business with you.
Get it brice. You're one of the good ones
I know that feeling. It's one of the reason's I left car sales. They always shoot the messenger.
So if they already have approval somewhere else, why are they going to you?
You're absolutely right. That's what these buy here, pay here lots do. It makes the good dealers look like evil crap holes. I have to have a car for my current job. Not only is the job 30 miles away, but sometimes I have to drive people to places. I had been driving my last car for 11 years until it just wouldn't drive anymore and fixing it would cost more than it was worth. Instead of just going to any car dealer, I went to the bank first and got approved for what I KNEW I could afford. THEN I went to look at cars and got a nice used Avenger which is perfect for me. The process was so simple doing it like that. Not only did I get a great interest rate (for my credit, I have had a bankruptcy after a disability struck), I got a nice new(er) car, almost no haggling at all, and it'll all be paid off in 3 years.
I don't know about everywhere,but where I live public transportation sucks, and many,many places will not hire you if you do not drive.
Tina Elevation: Is biking an option? Also by "don't drive" do you mean unable to drive or chooses not to drive?
Speaking from someone who has no other choice but to be public transportation's bitch and was on a recent job hunt I can vouch for that being true. And they were jobs that had NOTHING to do with driving but just didn't like the fact that you couldn't be there at a moment's notice with your car or didn't like the fact that your work schedule was limited by the bus schedule.
It's more to do with the fact that a car tends to imply dependability more than inconsistent transit systems.
Speaking as an employer, there are many 'screens' we use in order to weed out less desirable hires to help select the best out of a huge amount of resumes.
Biking isn't always an option for everyone. I know where I live the sidewalks can be snowed in for half the year if not covered in ice. Even the most avid bikers don't take their bikes out during the winter. And not all roads have a bike lane. The best part? If I (a person with a vagina) am robbed or raped while out with the bike after a late night shift, the attack will most likely be considered my fault.
Yes, I know. The employer needs to know that the employee can be there at a moment's notice if they're needed. But I've been denied for positions because (and this is what the employer actually told me) I couldn't stay late enough, and I couldn't stay late enough because the buses don't run very late.
Crazy Johnny.....I love the skit....the pre pre pre pre pre pre pre pre pre pre preown car!
"Whats holding you back?"
Morals
Thank you for shining a light on such important issues and putting them online so that people who can't otherwise afford HBO can still be well informed.
Damn it John, I should've been asleep hours ago and now you're keeping me up more 😀
grow up then
Tell your parents that they are terrible for waking you up for this, but pretty impressive for teaching a 7 month old to post on UA-cam.
Honestly I don't know what would I do without LWT Jonh Oliver is hilarious 🤣 that show makes me laugh every Sunday 🤣🤣
4:56 I've been rereading A Series of Unfortunate Events lately, and as I got to this part "it won't understand anything I'm saying", my brain sort of inadvertently added on (in John's exact voice and tone, of course) "Unless of course that baby is Sunny Baudelaire, and in that case she has much bigger problems to worry about than getting mocked by a late night show host who looks like *insert absurd self deprecating description.* Incidentally, if you are one of her parents then for the love of God invest in some good life insurance, close relationships with your extended family, and while you're at it some fire-proof clothing. And if you're not one of Sunny's parents, yeah, that explains a lot, and also fuck you."