neighbors are getting foreclosed and blaming economy

[PhineasJWhoopee]

Can you read? If they have a plan to reduce expenses and make it work, then fine. Clearly if they are being foreclosed on, they didn't have a plan or their plan failed miserably.

I can read just fine, thank you.

Okay, they overspent and now they are paying the consquences. Hopefully they learned their lesson and won't make the same mistakes in the future.

I still don't see what this has to do with them having a child.

 

[alevasseur14]

He didn't say when they had the child.

They're not destitute, they have an income. They just have to correct their course and live within their means.

The child is superfluous to this story.

Same poop, different day, huh? I knew getting into this thread was going to be just like the other threads you post in. The child is NOT superfluous to the story. Considering they didn't lose the house until now, and the OP states they were already living paycheck to paycheck when they had the child, it sounds like they knew what they were getting into.

Kids are expensive. There's no way around it. If you're already stretched to the limit, adding a child to the mix sounds like an excellent idea. I have no problems with people having kids but parents need to have the foresight to plan for them.

They have ONE income. My previous post is still correct. Try feeding and clothing a family, paying other bills that I'm sure they have, all the while trying to find 750-1000 dollars to pay the deposit and first month's rent on a new place. On ONE teacher's salary, of course.

 

[Gooberlx2]

4. Deciding to forgo solid insurance through an employer and getting "disaster" only medical insurance from a private insurer.

That's not necessarily a bad decision. Have they had medical bills that cost them more than the other insurance's premiums + co-pays, etc... would? Otherwise it's a valid way to save money, assuming everyone's healthy. For all we know their employer's offerings may be total shit or incredibly expensive.

 

[KIAman]

How did they blame the economy? Did one lose a job over it? Was it they couldn't sell their home for profit? Was it worsening tax conditions or rising cost of living?

What did they blame the economy for? If they simply said "the economy f*cked us" then they deserve the axe. That's as good as saying "The planet krypton explosion made me fail at life."

 

[Ns1]

I can read just fine, thank you.

Okay, they overspent and now they are paying the consquences. Hopefully they learned their lesson and won't make the same mistakes in the future.

I still don't see what this has to do with them having a child.

1 income + student loans + house = bad idea to have a child

 

[geno]

They prolly drive a foreign car too and wonder where tax base/jobs went to support their dumb asses. Fuck em.

Sure, why not drive a Ford that's made in Canada or Mexico instead?

 

[PhineasJWhoopee]

Same poop, different day, huh? I knew getting into this thread was going to be just like the other threads you post in. The child is NOT superfluous to the story. Considering they didn't lose the house until now, and the OP states they were already living paycheck to paycheck when they had the child, it sounds like they knew what they were getting into.

Kids are expensive. There's no way around it. If you're already stretched to the limit, adding a child to the mix sounds like an excellent idea. I have no problems with people having kids but parents need to have the foresight to plan for them.

They have ONE income. My previous post is still correct. Try feeding and clothing a family, paying other bills that I'm sure they have, all the while trying to find 750-1000 dollars to pay the deposit and first month's rent on a new place. On ONE teacher's salary, of course.

I believe that about 70% of all Americans live paycheck to paycheck? None of those people should have children?

Do you think that their should be a means test for having children?

We're a ONE income family and have managed to raise two children. It can be done.

 

[rcpratt]

Probably 90% of the people that live paycheck-to-paycheck do so because of their children. No, they should not have any more.

 

[rbV5]

My 157k house is now selling for 100k not due to the market but due to all the asses around me not maintaining their property.

blah blah, yesterday it was because your neighbors had shit laying around.

 

[PhineasJWhoopee]

Probably 90% of the people that live paycheck-to-paycheck do so because of their children. No, they should not have any more.

And who should make the decision who should have children and who should not?

 

[darkswordsman17]

That's not necessarily a bad decision. Have they had medical bills that cost them more than the other insurance's premiums + co-pays, etc... would? Otherwise it's a valid way to save money, assuming everyone's healthy. For all we know their employer's offerings may be total shit or incredibly expensive.

Based on the rest, I'm going to assume they did that out of necessity and not because they thought it was a good idea. That or they wanted to go on a trip or something and thought they could cheap out on it. Not carrying extensive health insurance when you have a kid isn't just stupid, its basically outright negligence.

 

[IronWing]

I believe that about 70% of all Americans live paycheck to paycheck? None of those people should have children?

Do you think that their should be a means test for having children?

We're a ONE income family and have managed to raise two children. It can be done.

Means test? Yes, in a way. I support performance bonding for wannabe parents. Post a bond to cover the cost to society should the parents turn out to be lousy. If the kid makes it to 18 w/o arrest and graduates HS, the parents get the bond back. No bond = no kids. People try it, we keep a big glass jar next to every city hall to display the testicles.

 

[rcpratt]

And who should make the decision who should have children and who should not?

I'm not advocating that anybody should make that choice other than the parents, but that doesn't mean that I'm not going to call them idiots.

 

[Bartman39]

This is just another whole can O worms and not the thread topic...

#1 you suck as a parent
#2 cannot financially raise them
#3 hate children
#4 have horrible genes

#1 uh you dont really know if you suck as a parent till you do have kids...? DOH...!
#2 if you wait to have enough $$$ to raise them then you never will...
#3 well duh...!
#4 sorry but everyone in our country has the right to have kids and I sure dont think genes rule how one decides to manage their life... Its up to the individual to make the choices even in the worst of situations...


But to address the thread topic...

Sounds like they have made some poor choices but it does also sound like you really know their bizz...? Possibly from over the fence yard talking or...? The economy is bad and blaming it for their problems is wrong and they need to face the issues they have created... Possible solution is a good financial counselor to maybe keep them from losing their home... But maybe a few months in a trailer park might get their attention too...? Everyone is is different and react differently to tough situations...

 

[mizzou]

you can't cut expenses down any lower then only having electricity to run your refrigerator and water bill. No A/C, handwashing dishes and laundry

pretty lulz when I find out he buys a $200 violin on impulse a few weekends ago....

 

[darkswordsman17]

And who should make the decision who should have children and who should not?

The people having the kid. The problem is, in this case, they're clearly lacking in their ability to make proper decisions, and therefore its a bad decision for them to have a kid.

 

[mizzou]

This is just another whole can O worms and not the thread topic...



#2 if you wait to have enough $$$ to raise them then you never will...

worst advice ever

You CAN"T bring a child into this world if you can't pay for it's food, medical care, and minimal education (whatever it takes for public school), and clothing.

 

[PhineasJWhoopee]

I'm not advocating that anybody should make that choice other than the parents, but that doesn't mean that I'm not going to call them idiots.

That may be the case. Hopefully they learned their lesson.

 

[rcpratt]

That may be the case. Hopefully they learned their lesson.

People rarely change in regards to financial habits.

 

[Bartman39]

Means test? Yes, in a way. I support performance bonding for wannabe parents. Post a bond to cover the cost to society should the parents turn out to be lousy. If the kid makes it to 18 w/o arrest and graduates HS, the parents get the bond back. No bond = no kids. People try it, we keep a big glass jar next to every city hall to display the testicles.

Ironwing... your a commie...

 

[PhineasJWhoopee]

Based on the rest, I'm going to assume they did that out of necessity and not because they thought it was a good idea. That or they wanted to go on a trip or something and thought they could cheap out on it. Not carrying extensive health insurance when you have a kid isn't just stupid, its basically outright negligence.

Does the person teach in a private or government school?

I would think that in a government school you get good health care benefits.

 

[HamburgerBoy]

Reminds me of an uncle. Sold sub-prime mortgages when they were the hot thing and bought a new Infiniti coupe every year, partying all the while in an expensive apartment. Then the sub-prime crisis hits, he's out of a job, marries a fat woman with well-off parents, and moves to the crap part of town. Or the neighbor in a McMansion with multiple kids, each with their own BMW/Mercedes, throwing giant parties renting out limousines multiple times a year. Come the housing bubble's burst they're suddenly foreclosed.

I don't care if it makes me envious or pathetic; these stories always make me laugh.

 

[IronWing]

Ironwing... you're a commie...

Fixed.

Now I'm pinko-nazi scum.

 

[PhineasJWhoopee]

Means test? Yes, in a way. I support performance bonding for wannabe parents. Post a bond to cover the cost to society should the parents turn out to be lousy. If the kid makes it to 18 w/o arrest and graduates HS, the parents get the bond back. No bond = no kids. People try it, we keep a big glass jar next to every city hall to display the testicles.

You should run for public office.

 

[Bartman39]

You CAN"T bring a child into this world if you can't pay for it's food, medical care, and minimal education (whatever it takes for public school), and clothing.

mizzou... Oh yes I can... I have the ability as does anyone to find a way to raise a child and that is what our country is about...!