neighbors are getting foreclosed and blaming economy

[PhineasJWhoopee]

Thanks mizzou...

Think you and IronWing and I along with PhineasJWhoopee all need to sit down with a couple of cases of cold Beer... :thumbsup: (would make for some good conversation for sure)

I'm game. I'm not one to turn down a cold one.

 

[spidey07]

Financial stupidity has consequences. Some learn this lesson from their mistakes. Most however don't.

We seriously need to have a personal finances class in high school. It used to be parents taught this very valuable lesson but now the parents don't even have this knowledge.

 

[IronWing]

I think I did. In the past, charity was helping people get back on their feet until they well self-sufficient. Now you have generation after generation on the dole. That doesn't serve anyone well, except politicians. Local private goups can much better direct aid than Big Brother.

You explained nothing, you merely regurgitated unsubstantiated claims. You could make an argument that local groups can distribute aid with less overhead costs and I would accept that. What you have not explained is how church/private charity handouts get people are their feet while government handouts generate dependency. Calling government "Big Brother" while extolling local private groups is a bit silly when you have some control over the actions of government through voting while private parties can do whatever they want.

 

[spidey07]

You explained nothing, you merely regurgitated unsubstantiated claims. You could make an argument that local groups can distribute aid with less overhead costs and I would accept that. What you have not explained is how church/private charity handouts get people are their feet while government handouts generate dependency. Calling government "Big Brother" while extolling local private groups is a bit silly when you have some control over the actions of government through voting while private parties can do whatever they want.

Because local charities generally have a "we'll get you on your feet but this is only a temporary deal".

Having the threat of the milk cut off from the teet generally is a good motivator, as is hunger and no shelter.

 

[JulesMaximus]

Churces and charities can help people a lot more efficiently and effectively than government.

What we have now is a system that breeds dependence.

What if I'm a Muslim? Or what if I don't believe in god?

 

[Zebo]

Financial stupidity has consequences. Some learn this lesson from their mistakes. Most however don't.

We seriously need to have a personal finances class in high school. It used to be parents taught this very valuable lesson but now the parents don't even have this knowledge.

Starting with stock market pyramid scheme. WTF would you buy something hoping someone is dumber than you instead of solid P/E ratios and returns. Whatever. Lots of baby boomers are going to learn meaning of fucked when they start drawing mandatory withdrawals and people will learn hard way As usual.

 

[IronWing]

Because local charities generally have a "we'll get you on your feet but this is only a temporary deal".

Having the threat of the milk cut off from the teet generally is a good motivator, as is hunger and no shelter.

Really? The meals program I volunteered at never cared how many times folks had eaten there before. Hungry people got fed, end of story.

 

[PhineasJWhoopee]

You explained nothing, you merely regurgitated unsubstantiated claims. You could make an argument that local groups can distribute aid with less overhead costs and I would accept that. What you have not explained is how church/private charity handouts get people are their feet while government handouts generate dependency. Calling government "Big Brother" while extolling local private groups is a bit silly when you have some control over the actions of government through voting while private parties can do whatever they want.

Groups that act locally can target the aid and work directly with those in need. There can be a personal interaction as opposed to the blanket government checks.

For example, my church helped Katrina victims relocate to our community. They helped with setting them up in apartments, getting them furnishings, finding jobs, etc. Government can't provide that level of personalization and support.

 

[SP33Demon]

Wait, aren't teachers supposed to be intelligent?

 

[spidey07]

Really? The meals program I volunteered at never cared how many times folks had eaten there before. Hungry people got fed, end of story.

I wasn't talking about soup kitchens, more the ones that offer shelter, housing, learning/education.

 

[Bartman39]

What you have not explained is how church/private charity handouts get people are their feet while government handouts generate dependency.

I can do this... The locals only do the aid for a short period of time which is the way most churchs handle it and they encourage people to work for themselves and of course hope to get support from those people from faith they hope has taken hold... hence community bond...

Trust me when I say I know people that work harder to keep that "check" each month rather than hold a steady job... Also if your of certain background welfare and other gov aid is basicly a snap and is handed out like candy while certain other back grounds while fully disabled from accident, health issues or reasons out of their control cant get SHIT...! And I know several of those type people...

 

[SP33Demon]

What if I'm a Muslim? Or what if I don't believe in god?

Then you better lie and say you do or no free community handout! When in Rome...

 

[IndyColtsFan]

It is because people are materialistic and above all, generally stupid on money matters. Stories like this are typical. I posted a similar one in P&N about a friend who blamed his wife quitting her job due to health reasons on them having to declare bankruptcy, when in fact, he would have had to do it eventually regardless. Things like the economy or in my friend's case, his wife quitting, were just convenient excuses to use so 1) they don't look stupid to others and 2) it helps them rationalize their behavior.

And no, it had nothing to do with medical expenses either. This guy was covered out the wazoo and had 2 pensions (one government). His bankruptcy attorney ripped him a new one for his lack of financial discipline.

 

[Bartman39]

What if I'm a Muslim? Or what if I don't believe in god?

Most will still offer support and help if they are real christians...

I will say Muslims have made a rough bed to lie in no matter how you look at it... Just remember...

"Not all Muslims are terrorist but all terrorist are Muslims"

 

[PhineasJWhoopee]

Most will still offer support and help if they are real christians...

I will say Muslims have made a rough bed to lie in no matter how you look at it... Just remember...

"Not all Muslims are terrorist but all terrorist are Muslim"

But I'm sure someone here will cite Timothy McVeigh.

 

[Bartman39]

Timothy McVeigh

Just a crackhead convert

 

[mizzou]

Alright, calm down. It just seemed like he knew an awful lot about his neighbor's personal business and seemed to have quite an opinion on it. I'll admit, I didn't read the entire thread.

he's sort of one of my good friends lol, but I have to try and straighten his ass out every now and then

 

[PhineasJWhoopee]

Just a crackhead convert

To my knoledge he was just anti-government. He never cited any religious reasons.

 

[Bartman39]

To my knoledge he was just anti-government. He never cited any religious reasons.

Dont worry he has some thing in his life besides the government that compels him and we may never know what it is...? Also I think that the terrorist that are Muslims want to kill all of us not just the government so thats my take on true terrorist...

 

[Bartman39]

mizzou... Would like to know how you do know so much about these people...? Just curious...


But did also want to say the more we talk to each other (in person) and become friends then its all around a better thing... But some do tend to piss us off...

 

[DrPizza]

While everyone accepted the OP's story at face value, there are a few questions:
1. re: student loans - if they were having financial problems, I thought they'd be able to defer the payments
2. re: variable rate mortgage - *I* have a variable rate mortgage. It was the only financing that our mortgage broker was able to secure for us that would allow us to close within 2 weeks of the day he was hired. My payments went *DOWN* this year because interest rates are so low. Thus far, there's been no need or reason to refinance to lock in an interest rate. The principal is so low that we really wouldn't save that much. I'm not familiar with every type of home financing, but it seems that a variable interest rate wouldn't be the reason for their foreclosure either.
3. If they have the insurance as you're describing, it's quite likely that they're coming out ahead with this arrangement. I've even thought of doing that, but my employer and my wife's employer don't pay enough for the buy out. Which is something I can't quite grasp the logic of - the difference between what my employer would pay me not to have insurance, and what they actually pay since I don't take the buy out is over $11,000. If they split the difference, I'd take the buy out in a heart beat.


However,
#4. They *gasp* was their dishes by hand?! OMG! With one of them home all day, how do they find the time? Oh, the humanity! They're like the Amish or something! Can't they afford a dishwasher? Can't they afford soap for the dishwasher? (on a side note, do *NOT* use dollar general's cheap brand of dishwasher soap - it sucks. 1/2 a bottle later & we're back to the good stuff.)

 

[JulesMaximus]

Most will still offer support and help if they are real christians...

I will say Muslims have made a rough bed to lie in no matter how you look at it... Just remember...

"Not all Muslims are terrorist but all terrorist are Muslims"

I'd still rather send in my form every week to the government than have to beg at my local church and pretend I'm something I'm not...and I'm not Muslim.

I do find the Muslim hatred displayed by many so called Americans completely disgraceful though. You can all go fuck yourselves as far as I'm concerned.

 

[PhineasJWhoopee]

I'd still rather send in my form every week to the government than have to beg at my local church and pretend I'm something I'm not...

There aren't people that share your ideas and beliefs,whatever they are, that you could go to if you needed help? That's sad.

 

[JulesMaximus]

There aren't people that share your ideas and beliefs,whatever they are, that you could go to if you needed help? That's sad.

I'm jaded. Is there a group for that? Should I try harder to belong?

I honestly don't find any comfort in religion. I was raised in a religious house, went to church every Sunday, studied the Bible, was baptized, etc. but as I grew older it all just seemed like bullshit to me.

 

[PhineasJWhoopee]

I'm jaded. Is there a group for that? Should I try harder to belong?

I honestly don't find any comfort in religion. I was raised in a religious house, went to church every Sunday, studied the Bible, was baptized, etc. but as I grew older it all just seemed like bullshit to me.

I'm sure that you've heard the aphorism "there are no atheists in foxholes". I don't know, maybe things have never been bad enough for you that you need comfort?