neighbors are getting foreclosed and blaming economy

[Skitzer]

yet they fail to acknowledge the following things

1. try to maintain a household on one teachers salary while paying mortgages and student loan debt

I stopped right here.
Why doesn't the other one get a job? Wouldn't that prevent all this?

 

[PingSpike]

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.

Is this a joke? You absolutely can do that. In fact, that's how most babbies are formed and then government pays for their food, medical care and minimal education. Why do you think welfare bums have so many kids? Because its cheap for them to do so. And they don't even need to do a good job raising them because like the zerg quantity is its own form of quality.

Hell, you don't even need the government support part: See Africa.

 

[mizzou]

I stopped right here.
Why doesn't the other one get a job? Wouldn't that prevent all this?

Lazy and unmotivated? May also be q religious aspect

 

[PhineasJWhoopee]

Holy crap. I just realized this asinine post was in response to me...

Yes, I know how many people live paycheck to paycheck. I'm one of them.

No, I don't think there should be a means test for having children. Sure, it'd be nice but I'll never take that right away from someone.

My Mom didn't work most of mine and my siblings (2) childhood. My sister is staying at home with her three kids while her husband works. Of course I know it can be done. I'm not saying it can't. What I am saying is that my parents and my sister are able to live within their means. For the couple in the OPs post, you asked for evidence that they weren't the best parents and I gave it to you. If you have a child, that's priority number one and the flashy lifestyle becomes a very, very distant last.

That's the only point I was attempting to make.

You can be poor at managing finances and still be a good parent.

 

[PhineasJWhoopee]

RE #4... I have a condition that is genetic (Dermatitis Herpatiformis and Celiac's Disease). I definitely take this into consideration when I or my wife and I talk about having kids. I don't think the proper genes refers to having good ones, but rather not having fucked up ones.

Usually with genetic conditions, there is some probablity that offspring will have the condition, not 100% certainty.

Of course, this a tough issue.

 

[IronWing]

There, I fixed it for you. Hopefully, it was a misuse of words, otherwise, your parents should have aborted your sorry and ungrateful ass while they could.

No, it's just flat out selfish, the ultimate is self aggrandizement and self absorption.

 

[PhineasJWhoopee]

No, it's just flat out selfish, the ultimate is self aggrandizement and self absorption.

What are you talking about?

 

[SP33Demon]

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.)

I think you missed the main point of the story. Couple with child was living off of a teacher's salary and were fiscally irresponsible with rampant spending and are now up sht's creek without a paddle. The end.

 

[Binarycow]

No, it's just flat out selfish, the ultimate is self aggrandizement and self absorption.

to have children, in general? I'm very confused now. Are you like that crazy dude that took the Discovery channel people hostage? How did you think you got here?

 

[DrPizza]

I think you missed the main point of the story. Couple with child was living off of a teacher's salary and were fiscally irresponsible with rampant spending and are now up sht's creek without a paddle. The end.

I guess it depends on where you live. A teacher's salary alone is more than many of the families in my area earn & they're doing just fine.

 

[mizzou]

I guess it depends on where you live. A teacher's salary alone is more than many of the families in my area earn & they're doing just fine.

agreed

MO is generally a horrible place for state employee salaries, it drags behind big time compared to private sector....

with that said, MO private sector isn't anything fancy either.

 

[Bartman39]

Morning mizzou... Man this got started again...


Gotta say after reading past what we went over last night I still say and agree they have made some very poor choices and just kinda think it was more like they were coming to you with their problems...? I would be tick`d off too if that were to happen... To many people tend to over extend and get themselves into hot water and then want to blame it on the Gov. and just dont want to see it for what it is...


But...! They will either sink or swim its their choice like all of us have... I vote "Rant On...!"

 

[mizzou]

Morning mizzou... Man this got started again...


Gotta say after reading past what we went over last night I still say and agree they have made some very poor choices and just kinda think it was more like they were coming to you with their problems...? I would be tick`d off too if that were to happen... To many people tend to over extend and get themselves into hot water and then want to blame it on the Gov. and just dont want to see it for what it is...


But...! They will either sink or swim its their choice like all of us have... I vote "Rant On...!"

morning! Yes this is much longer thread then anticipated

 

[PhineasJWhoopee]

Morning mizzou... Man this got started again...


Gotta say after reading past what we went over last night I still say and agree they have made some very poor choices and just kinda think it was more like they were coming to you with their problems...? I would be tick`d off too if that were to happen... To many people tend to over extend and get themselves into hot water and then want to blame it on the Gov. and just dont want to see it for what it is...


But...! They will either sink or swim its their choice like all of us have...

The problem for me is that when individual, banks, financial institutions,etc. screw up and expect to bailed out with my money.

If you want to help people, that should be your choice, the gov't shouldn't confiscate your money at the proverbial point of a gun and give it to someone else.

 

[Bartman39]

PhineasJWhoopee... Morning as well... :thumbsup:


Along those same lines... Have my elderly mother in law that is in poor health after a fall (she is 87) and in a nursing home in the SNF unit (Skilled Nursing Facility) section and will most likely never leave the home itself... What the sad part is after her and her husband (who is dead) worked all their lives to have their home and pass it to my wife may lose it...? I know most know the story to this and its just plain screwed to pay for something all your life and have it taken away to take care of you in your last days... I would much rather have my tax dollars pay for something like this rather than a crack head`s habit... Or da baby daddy...

I say we should have drug test each month or even random for those on Welfare, food stamps or other gov. aid unless your over the age of 65 or have retired (hell let the old hippies use it to buy their pot... :biggrin And as for gov housing screw that put`em to work via state work force and pay a percentage each month... Supplment private companies to give incentive to hire low pay labors but not make it super complicated with healthcare and other benifits just to those individuals but offer these at a low cost so you get them to learn how to pay for life not suck it from the country you live in... Grrrrr....!

 

[PhineasJWhoopee]

Top of the mornin' to you too Mr. Bartman.

Yes, there must be a better way than our current system. I think that the way a society takes care of its most vulnerable is really telling.

Trying to figure out how my wife and I will spend the day. We'll probably do a day trip, just need to figure out where to.

 

[Bartman39]

We are getting ready to head up to the lake (Teledo Bend) and pickup our travel trailer to bring back down here were we live... Kinda need to clean it up as its been there for over 3 months while we work on our camp there... Its a good 100 mile each way trip so its a day for sure plus we are getting a late start... Also its a 33' dual slide monster (about 9500lbs) but sure is nice with a 26" lcd TV w/sat. queen size bed in the rear slide and cabinets galore, even a porcelain toilet and corner shower...


More like work but a nice drive none the less... Hit the road and just enjoy the day (one of the perks of living in the USA)...

 

[PhineasJWhoopee]

We are getting ready to head up to the lake (Teledo Bend) and pickup our travel trailer to bring back down here were we live... Kinda need to clean it up as its been there for over 3 months while we work on our camp there... Its a good 100 mile each way trip so its a day for sure plus we are getting a late start... Also its a 33' dual slide monster (about 9500lbs) but sure is nice with a 26" lcd TV w/sat. queen size bed in the rear slide and cabinets galore, even a porcelain toilet and corner shower...


More like work but a nice drive none the less... Hit the road and just enjoy the day (one of the perks of living in the USA)...

Looks like a nice lake. Closest I've been to your neck of the woods is Lafayette, LA.

We're in central WI and are thinking about heading up to Door County.

Have a good one and drive safely.

 

[xSauronx]

yet they fail to acknowledge the following things

1. try to maintain a household on one teachers salary while paying mortgages and student loan debt
2. making frivolous purchases such as world trips on home equity loans during the "boom" housing times.
3. deciding to have a child while already living paycheck to paycheck
4. Deciding to forgo solid insurance through an employer and getting "disaster" only medical insurance from a private insurer.

I don't fucking understand people, so sad to see someone do this to themselves, but they just don't get it.

Who in their right mind would have a kid when you can barely survive as it is?

selfish people.

a good friend of mine is 26, her husband is 32 and has a degenerative disease that requires costly medical treatments to keep him able to work...they meet their deductable the first month of the year, the treatments cost tens of thousands a year.

he makes ok money, she makes crap as a teacher at a uni because she had a kid after getting her BS...knowing shed make crap if she didnt get a masters to teach.

so his health is getting worse, she cant get her masters to make decent money, and theyve been *trying* with fertility treatments for the last 18 months to get pregnant again knowing:

1-they may not be able to afford anything in the near future, nevermind another kid
2-the disease her husband has is hereditary...theres a chance one of their kids will have this.

otherwise very smart, intelligent person...i really dont get this about her

 

[zinfamous]

Usually with genetic conditions, there is some probablity that offspring will have the condition, not 100% certainty.

Of course, this a tough issue.

some groups of Ashkenaz Jews won't allow marriage if one of the would-be spouses is determined to be a carrier of Tay Sachs....and for more or less good reason.

Plenty of heritable heart conditions that are absolutely devastating that if discovered, will on good advice cause most couples to think twice about condemning their potential kids through a hellishly short life.

 

[tcsenter]

Our neighbors family is like one big genetic cesspool. One side carries ALS, the other side brings cerebral palsy and cognitive deficits. The neighbor's sister is morbidly obese and just keeps popping out disabled children. Currently on #3, each of which gets her a nice government check every month plus "free" health care for her offsprings' substantial medical problems (which will be lifelong).

 

[alevasseur14]

You can be poor at managing finances and still be a good parent.

You're clearly missing my point. In this case, the parents put more priority on an upscale lifestyle while failing to pay for something that they definitely need for their child. I have no idea how they are in other parenting respects but keeping a roof over their head should have been priority 1.

Nothing more, nothing less.

Anywho, beautiful day in the Midwest, eh?

 

[nick1985]

Just stopping in to say PhineasJWhoopee is a fucking idiot.


Thanks.

 

[digitaldurandal]

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

I love uneducated people like you. You realize that Toyotas and Hondas are creating more jobs and have more parts assembled and created here in America than many "American" cars. Many of the Detroit jobs are in Canada and Mexico. But hey I guess the symbol was first created here.

 

[SP33Demon]

I guess it depends on where you live. A teacher's salary alone is more than many of the families in my area earn & they're doing just fine.

Do these families also blow an entire home equity loan traveling the world off a teacher's salary? But it's Obama and the economy's fault!