[Blindtlk] New Member

[Gary Wunder]

Hello Judy. I hope I'm not so far behind on this list that somebody hasn't
already answered this question for you. Some banks have difficulty because
they want to know your earned income and will not consider Social Security
or other forms of public aid as such. More often, however, the problem is
that the bank is making you a loan based on the fact that it has collateral.
If they sell you a car, they know where they can sell it if you default. If
they make you a loan on a BrailleNote, they can't go down to the local
hardware store and figure out what it's worth. They can't easily run an
advertisement in the paper and have a lot of people show up on the County
Court steps to make a bid. That is why NFB loans are so attractive. We
expect you to meet the normal standards for people requesting a loan, but we
don't hold the collateral you are buying against you. 

Gary 


-----Original Message-----
From: blindtlk-bounces at nfbnet.org [mailto:blindtlk-bounces at nfbnet.org] On
Behalf Of Judy Jones
Sent: Monday, October 18, 2010 7:26 PM
To: Blind Talk Mailing List
Subject: Re: [Blindtlk] New Member

Just curious . . . why wouldn't banks make loans to blind people if, like
anyone else, they qualify?

Again, just a curiosity question.

Judy

----- Original Message -----
From: "David Evans" <drevans at bellsouth.net>
To: "Blind Talk Mailing List" <blindtlk at nfbnet.org>
Sent: Monday, October 18, 2010 10:19 AM
Subject: Re: [Blindtlk] New Member


> dear Candi
>
> A good company to order things from is "Independent Living Aides".
> You should also be aware that the NFB has a 3% loan program for the 
> purchase of technology to help blind folks get the things they need and 
> then pay them off over time.  All of the interest is just plowed back in 
> to the program to make more loans.  The NFB does not make money on the 
> program.
> You can buy computers, software, electronic items and other things that 
> help you function or do a job.
> The big thing they look at is to see that you have the means to make the 
> loan payments and can pay the loan back, the same as a bank does, but what

> bank makes loans to blind people?
>
> contact the National Center for the loan forms and details on the program 
> or go to the NFB web site, www.nfb.org  .
> ,
>
> David Evans, NFBF and GD Jack.
> ----- Original Message ----- 
> From: "Candi Smith" <candiapple0825 at yahoo.com>
> To: <blindtlk at nfbnet.org>
> Sent: Monday, October 18, 2010 10:41 AM
> Subject: [Blindtlk] New Member
>
>
> Hi,
>
> I just joined this list. I am looking for a advice from other vision 
> disabled people to learn from. My first need is getting settled in my 
> apartment and finding a talking caller id phone and cooking stuff. I'm 
> going to have to start off slow in buying this as I'm on disability , 
> where are the lowest cositng products for me?
>
> Candi
>
>
>
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