Shit My Dad Says... The Hobo Equation

I don't think it needs to be mentioned yet again, but hey- you guys remember how my dad is like 87% hobo, right? In case you are wondering how I figured out that percentage, it's a very complicated Algebraic formula including the following variables:

v= number of days per year spent sleeping in your vehicle
c*= number of clothing items you own to the power of the number of layers you wear over each other, so as to be able to take one off daily and not appear to be wearing the same clothes as yesterday
s= stank (this variable has a direct relationship to c*)
g= number of gullible family members you can coerce into free living accommodations
t= number of teeth you currently have (Hobo Bill has the incredibly low score of 3 on this variable, drastically impacting his overall score)
f= your general ability to make even the most basic of financially responsible decisions.

Let's talk about factors v and f today. Vehicle and finances. I mean, I suppose when you're the type of person who prioritizes buying scratch-offs and foot long hot dogs at 7-11 over paying your rent, you can't really be expected to make sound financial choices. That said, one might assume that my dad's perpetual poorness would be directly reflected in his choice of vehicle. And for the most part, it has been. He's had a number of 200,000+ mileage metal shitboxes. Some he got for free. Some he "financed"- and by that I mean he talked a friend or family member into believing he would make payments on a car he wanted to buy from them, and then got pissed off when they actually, you know, expected him to make the payments.

There have been times when my dad has been without a car, but he's done a pretty good job of basically stealing cars from people over the years, and almost always has some sort of vehicle. The last car he had was something he was "making payments" on to some guy he knows. Last I heard, he still owed the guy $1000 or so of the $1500 total he was supposed to pay and was pretty pissed that the guy wouldn't leave him alone about it.

So. What do you do when you don't have money to pay the guy who sold you your car, you're behind on your rent, your car insurance check bounced and your car needs a bunch of repairs you can't afford?

I feel like you guys know my dad pretty well at this point, so I'm going to do this multiple choice:

   a) work overtime and get back on track (HAHAHAHA)
   b) panic as you realize you are in way over your head and turn to your old friend the lottery for   comfort
  c) trade in the car you still owe money on and finance a nearly brand new car for 7 years

Did you guys say b? You overestimated my dad's concience. He doesn't actually care that he can't pay any of his debts. Dear old dad somehow managed to trade in his car for a 2012 Ford Focus.

So now he has two cars to pay off. And he has to pay for full coverage insurance, even though the bare bones insurance he used to have lapses basically every time it's due. It's a weird thing, the way my dad thinks of his car insurance. Most people think of their policy in terms of years. My policy, for example, is valid from April 2014-April 2015. My dad doesn't do that. He told me that his new car is insured "I'm not exactly sure... I think it's for the next two months". He treats his car insurance like an about-to-expire gym membership.

I also have to say, I don't feel bad for anyone who finances him a car when they inevitably get screwed over. You don't even need to get into the black hole that is his credit report to know this is not a man you can trust to make timely (or any) payments. As I said before, he has THREE teeth. My infant officially has more teeth than him. I just think that when someone with three teeth walks into your establishment and tries to convince you that they can afford the payments on a spankin' new vehicle, you have to realize that if they can't afford plastic teeth, they definitely cannot afford basically anything. Except maybe applesauce.

In any case, my immediate reaction when he went into full-on bragging mode about his new car (I feel like it's important here to remind you that he's bragging about owning a Ford Focus), was to scold him for being an idiot:

Me: But dad, aren't you still paying off the other car?
Dad: Yes.
Me: Well isn't it a problem that you now have to pay off 2 cars?
Dad: It's a 2012.
Me: Yeah, I get that. Except for the part where it gets repossessed in 2 months and then you have no car at all and you still have to pay off your old one.
Dad: No, I'm going to pay it.
Me: HOW?
Dad: Well, my old car needed 2 catalytic converters. Those things are like $1000 each. I couldn't afford that. This car is NEW, so it won't need any repairs.
Me: So you couldn't afford to repair your old car so you just bought a new one?
Dad: That wasn't the only thing. My old car didn't have any gas in it and I didn't have gas money. This one came with a full tank.
Me: ::dead::

So yes. My dad thought it was a good idea to buy a new car because HE COULDN'T AFFORD GAS OR REPAIRS FOR HIS OLD ONE. I guess it's a good thing those Ford Focus's run on broken dreams.