Leveraging Bad Mortgages (not PC)
Posted by StormWarning on 26 Sep 2008 at 10:43 am | Tagged as: Commentary, Economy, Editorial, Federal Policy, Political Correctness
Its about time that someone actually speak the truth about the “financial crisis” and why it happened. So like it or not, this is a violently politically incorrect, but, IMO, accurate take on the greed and stupidity that has led to a near meltdown in our economy and the wiping out of any profit I might have seen from the sale of my home in the immediate future. Yes dammit, pass the bailout so the rest of the economy doesn’t go down the tubes and have the next President be blamed for the implosion. And I want someone to step up and pay my damn mortgage too! I’ve worked hard for that right!
NOT PC RANT: Now, you see…the basic question lies in how some people who haven’t got good (or possibly any) credit were able to buy houses that they simply couldn’t afford. I don’t know about you, but I’ve worked hard to maintain my excellent credit rating, despite years of paltry income. But no! People have nothing, went out and moved into the “keeping up with the Jones’ neighborhoods, only to find themselves in situations where they either couldn’t afford the increased mortgage payments as their adjustable sub-prime mortages went up, or maybe even, with the real estate market imploding on itself, largely because of their own greed (and of couse, the greed of the mortgage industry that decided to loan money to anyone), found themselves “upside down” on their homes (simply, they owed more than the market value of their house).
Well excuse me! and “go fluck a duck!” I worked hard to buy my house, a house that I could afford to buy. And I live in a nice neighborhood, but as I’ve watched homes in my neighborhood go on the market and sell, it has been obvious that some of these people actually couldn’t afford to actually be my neighbor…they got themselves one of those nice sub-prime mortgage, and bought a nice house in a nice neighborhood, where they really couldn’t afford to live (the tell tale sign was when the “repo-man” came to tow their shiney new BMW out of their driveway and cart it away).
Ladies and gentlemen, and those few who read this blog - America is a land of opportunity. However, that opportunity is not an entitlement. You, if you don’t work hard and have the money in savings, are not entitled to live in my neighborhood, just like I an not entitled to live in a nearby neighborhood where the home prices are 50% higher than mine. The real problem is that one of those upside down homeowners just sold a house down the street from me for a price lower than what I paid for mine.
So screw me! for being able to afford the house I live in, because Mr. and Mrs. “Keeping up with the Jones” couldn’t afford their house, and had to sell in a distressed sale.
There’s a post worth linking my rant to at Right Truth. Good people of all walks of life work hard to establish themselves and accomplish whatever it is that they accomplish. Tiday, people who far overstepped their boundaries are putting all of us in a position to get them out of their jams. I object strenuously.
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Thanks for the great video. Makes us look even more stupid when the lesson comes in British English!
Wow… Simply, WOW, you did good on this one…
I know some folks that lost a home due to not being insured well enough when his health took a sudden turn and he lost a $150K a year job and ended up on disability SS… If he had died or been killed, his wife would have been sitting pretty well off, but talking to him now, he was in the trucking business, a one truck thing, he said the revenues were so far off that the fuel crisis would have taken them out the picture anyway…
Small business in America is in trouble, and the government isn’t going to do a thing to help bail out *The Little Man*…
God help us all…
Thanks Fred. Feel free to share it around. But the guy with inadequate insurance is a sad and different story. There is nothing wrong with striving to give your family a better life. But life is not fair and sometimes health issues crop up and bite your butt.
Nice rant and I’m with you 100%. When hubby and I started out together we both had jobs, but he entered college the year after we were married. I worked full time, did odd jobs like selling cosmetics, sewing clothes for people, whatever. He did work study, took care of the green house on campus. We did what we had to to to survive, pay our bills.
I remember spending $9.00 for a pair of sandals which I needed, and feeling guilty about it. I remember our grocery budget for one week was $25.00 and we made it fine.
We went through 10 years of school (you know what I’m talking about) and then we had years of school loans to pay back, which we did. EVERY SINGLE PENNY WITH INTEREST.
We never bought anything that we couldn’t pay for. We never expected anyone to bail us out of anything, and we certainly did not expect the GOVERNMENT to bail us out. We didn’t need bailing out.
We work in a very small town, because we like it. We don’t buy fancy brand name clothes, or cars (our cars are 11 years old and still run like a charm). We never tried to keep up with anybody.
We raised our daughter in the first house we ever owned until she left home. Then we sold it because we didn’t need the big house any more. We bought and paid for the house we now have because it is half the size of the first house. That’s how we have always lived.
This “everybody deserves the American dream, everybody deserves a house, everybody deserves everything, makes me mad. Really mad.
The American Dream is what you make of it. Not what you are entitled to.