Carlos Morales: Cut Out Buy Here Pay Here Dealerships with Community Car Share
(This is part two of our series on reader’s response to last week’s series on Buy Here Pay Here used car dealerships. Earlier, Streetsblog published the comments of Joe Linton, Roadblick, Adrian Martinez, Damien Goodmon and Allison Mannos. Yesterday, Streetsblog published a more detailed response from Occidental College Professor Mark Vallianatos. Today, we feature a piece by Community Voice Newspaper Editor and Eastside Bike Club President Carlos Morales. Stick with this story until the end, it’s worth it. – DN)
My take on proving a solution to this problem would be to create a communal car pool system.

Photo: I Go Cars.
Large corporations are the only companies that I am aware of that have formed and utilize carpools to gain tax credits for both the employee and employers. Employees use this incentive to save on their gas expenses and parking fees while employers utilize it gain another tax shelter.
If families or community participants can pull their money together set up a “Cundina” or “Tanda” which is interest free way of saving money (it is their own money.) This systematic lottery is very common in Mexico and seems to have started in Puebla Mexico in the late 1800′s modeled after Chinese workers came to Mexico with the “Hui” a communal rotating credit association. This practice has crossed and spread over to other communities across this country.
Here is how the cundina works: A group of trusted friends / family members / neighbors get together decide on a leader, which will be in charge of the collection and distribution of money. The group decides on the amount of money to be collected and how often the pot is awarded (each week, month or other pre-arranged time frame.)
It starts by each participant pulling a number which is written on a piece of paper that has been placed from a bowl, a hat or a box. The amount of numbers are determined by the amount of participants, if there are ten participants for example the numbers will range from one thru ten. The person who pulls number one gets the first distribution of funds, then number two the next time and so on. Read more…











