A father has risen to fame for reject a loan request from your six-year-old son, just as your own bank wouldMoreover, it has been so professional that he has even founded his own bank on DAD savings & loans based in San Luis, USA.
I know that it is a good idea to show the face of reality to our children little by little, explain that things have a value and require an effort, that money does not grow on trees and that as much as they want it, dad and mom they cannot make more money (although it would not be a bad idea), what I am not sure about is whether what this father has done is an excess or a genius, what I have no doubt is that I laughed and it seemed very original.
The story begins when our father's six-year-old son, of whom only the father's reddit user has transcended Otto303, took care of a toy and seeing himself without a hard He asked for an advance on his pay to buy a toy.
I must say that my children, the eldest is six years old too, do not have "official pay" and those in charge of buying them are all the adults of the family. I don't know, but to tip such a small child seems a bit excessive, but it's just my opinion.
Normally, what each of us would have done would be to weigh the pros and cons of buying the toy and answering at that time whether or not we are going to buy the toy he wants or what he would have to do if so, well , everyone supposes that he will have his own rules. But our father simply left the decision on hold and answered later in an unexpected way, at least for me. He did just as a bank would do when requesting a loan; by letter.
This is the translation of the letter that his father, as CEO of the bank has sent to his son in response to his request for a loan of $ 20 (the text in brackets is mine, does not belong to the original letter):
Dear XXXXXXX
We regret to inform you at this time that we cannot offer a loan for the requested amount of $ 20.00.
After reviewing your account, we have seen that you do not have sufficient funds and that you have a long history of not doing your homework. (If we have less privacy with banks every day)
On the other hand, since last Christmas they have spent more than $ 80 on various amusements. (It seems that we are facing a little party animal)
This is an unsustainable amount of expenses, which we cannot continue to finance and aggravate the problem. (It seems that this is a complicated situation)
If you would like to refute this decision, you can go to our complaints department at the number -mum number-. Your current manager has the ability to persuade us to revoke this decision. (Wow, in the end it's about the good cop game, bad cop. Wow, wow ...)
Thank you for choosing PAPA Savings and Loan, we appreciate the opportunity to serve your financial needs. (Above with recoil)
According to his father, there are open ways to get those $ 20. But as they have pointed out in the comments on Reddit, I probably ended up calling BANK grandparents.
I do not know if the letter will serve or not for the child to realize that not everything is to ask in life, but of course, when I think of my children I know that they would not understand even half and we would find two reactions: The common and usual: get angry for a couple of minutes and then choose something else (if we are still in the store) or forget about it. The rare: to cry, proclaim to the four winds how unfortunate they are (yes, they love that about the theater) and go door to door until someone buys what they want (usually their grandparents).
