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  • November 21, 2009 at 9:08 AM #16697
    creechrr
    Participant

    I don’t mean to pick on anyone in particular, but I’m a little irritated by these posts. I don’t know the posters or the strengths their character. I only know what they have posted. They could be the best of people.

    [RANT]

    In regards to:

    New: When does it make financial sense to dump my house?

    and

    When does it make financial sense to just dump your house???

    You made what turned out to be a bad decision. That happens to all of us. What irritates me about these posts is the sense of being owed something. These guys seem to want to be told that it’s OK to walk, not live up to their obligations.

    The slippery slope has become has gone 100% frickin’ vertical.

    In the OPer’s case there hasn’t been any catostrophic event that leading them towards financial ruin. It’s just plain poor choices. They just realized that it’s a good idea to save for a rainy day? And, they just realized that raising children can be expensive?

    There are a number of people that recognize these little facts of life. And, to mitigate some of those challenges we rent apartments, life with relatives or room-mates, generally plan ahead. I originally started out be saying it was a large number of people but, I realized that was a lie. The group is proving to be much smaller than I would have hoped.

    Am I alone in feeling that these are the group of people that is ruining it for the rest of us? The group that confuses want with needs. The group that helped drive up housing prices to rediculous levels so that the rest of us couldn’t possibly afford a modest home while planning for a rainy day. The group that takes on obligations that they only intend to see through till the end IF, it works in their favor.

    I know there are some typos in their but, I don’t care. You get the idea regardless.
    [/RANT]

    We make the countries official motto, “Screw unto others before they screw unto you”.

    We’re all in the crammed into the bottom of the bowl now. I hear someone jiggling the handle. Prepare for rotation!

    November 21, 2009 at 11:52 AM #485116
    scaredyclassic
    Participant

    no one is ruining anything for anyone. the market is composed of lots and lots of self-interested people. this is normal. there is only ever self-interest. there are no communal personal finance decisions. it’s ok!

    November 21, 2009 at 11:52 AM #485285
    scaredyclassic
    Participant

    no one is ruining anything for anyone. the market is composed of lots and lots of self-interested people. this is normal. there is only ever self-interest. there are no communal personal finance decisions. it’s ok!

    November 21, 2009 at 11:52 AM #485659
    scaredyclassic
    Participant

    no one is ruining anything for anyone. the market is composed of lots and lots of self-interested people. this is normal. there is only ever self-interest. there are no communal personal finance decisions. it’s ok!

    November 21, 2009 at 11:52 AM #485745
    scaredyclassic
    Participant

    no one is ruining anything for anyone. the market is composed of lots and lots of self-interested people. this is normal. there is only ever self-interest. there are no communal personal finance decisions. it’s ok!

    November 21, 2009 at 11:52 AM #485973
    scaredyclassic
    Participant

    no one is ruining anything for anyone. the market is composed of lots and lots of self-interested people. this is normal. there is only ever self-interest. there are no communal personal finance decisions. it’s ok!

    November 21, 2009 at 7:58 PM #485216
    SellingMyHome
    Participant

    We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.

    Is my choice to short sell going to drive up prices and ruin the market? No way. Prove it.

    Many people wanted the dream of home ownership, is that wrong? Now I find that I can save thousands of dollars a year by renting instead of owning this house whose value was allowed to fall because of bank’s greed.

    Their decisions are financial, never moral; so will my decision be.

    That’s all I asked in my post, is it financially feasible and/or responsible. I wasn’t looking for a morality lesson, and certainly not your pity!

    Again, thanks to those with advice. For those with snide comments to me or to the realtors here actually offering advice, blow off!

    And, please: GO CHARGERS!

    November 21, 2009 at 7:58 PM #485384
    SellingMyHome
    Participant

    We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.

    Is my choice to short sell going to drive up prices and ruin the market? No way. Prove it.

    Many people wanted the dream of home ownership, is that wrong? Now I find that I can save thousands of dollars a year by renting instead of owning this house whose value was allowed to fall because of bank’s greed.

    Their decisions are financial, never moral; so will my decision be.

    That’s all I asked in my post, is it financially feasible and/or responsible. I wasn’t looking for a morality lesson, and certainly not your pity!

    Again, thanks to those with advice. For those with snide comments to me or to the realtors here actually offering advice, blow off!

    And, please: GO CHARGERS!

    November 21, 2009 at 7:58 PM #485759
    SellingMyHome
    Participant

    We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.

    Is my choice to short sell going to drive up prices and ruin the market? No way. Prove it.

    Many people wanted the dream of home ownership, is that wrong? Now I find that I can save thousands of dollars a year by renting instead of owning this house whose value was allowed to fall because of bank’s greed.

    Their decisions are financial, never moral; so will my decision be.

    That’s all I asked in my post, is it financially feasible and/or responsible. I wasn’t looking for a morality lesson, and certainly not your pity!

    Again, thanks to those with advice. For those with snide comments to me or to the realtors here actually offering advice, blow off!

    And, please: GO CHARGERS!

    November 21, 2009 at 7:58 PM #485843
    SellingMyHome
    Participant

    We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.

    Is my choice to short sell going to drive up prices and ruin the market? No way. Prove it.

    Many people wanted the dream of home ownership, is that wrong? Now I find that I can save thousands of dollars a year by renting instead of owning this house whose value was allowed to fall because of bank’s greed.

    Their decisions are financial, never moral; so will my decision be.

    That’s all I asked in my post, is it financially feasible and/or responsible. I wasn’t looking for a morality lesson, and certainly not your pity!

    Again, thanks to those with advice. For those with snide comments to me or to the realtors here actually offering advice, blow off!

    And, please: GO CHARGERS!

    November 21, 2009 at 7:58 PM #486072
    SellingMyHome
    Participant

    We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.

    Is my choice to short sell going to drive up prices and ruin the market? No way. Prove it.

    Many people wanted the dream of home ownership, is that wrong? Now I find that I can save thousands of dollars a year by renting instead of owning this house whose value was allowed to fall because of bank’s greed.

    Their decisions are financial, never moral; so will my decision be.

    That’s all I asked in my post, is it financially feasible and/or responsible. I wasn’t looking for a morality lesson, and certainly not your pity!

    Again, thanks to those with advice. For those with snide comments to me or to the realtors here actually offering advice, blow off!

    And, please: GO CHARGERS!

    November 21, 2009 at 8:11 PM #485220
    meadandale
    Participant

    [quote=SellingMyHome]We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.[/quote]

    Puleeze!

    If you borrowed money that you could not afford to pay back, took money out of your house to buy crap or pay off your maxed out credit cards or to try to parley into some ‘sweet deals’ on more property, etc, etc then you were JUST as greedy as the banks and deserves just as much culpability.

    I agree. The government needs to regulate greed and stupidity in the credit markets…especially greedy and stupid borrowers.

    November 21, 2009 at 8:11 PM #485389
    meadandale
    Participant

    [quote=SellingMyHome]We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.[/quote]

    Puleeze!

    If you borrowed money that you could not afford to pay back, took money out of your house to buy crap or pay off your maxed out credit cards or to try to parley into some ‘sweet deals’ on more property, etc, etc then you were JUST as greedy as the banks and deserves just as much culpability.

    I agree. The government needs to regulate greed and stupidity in the credit markets…especially greedy and stupid borrowers.

    November 21, 2009 at 8:11 PM #485764
    meadandale
    Participant

    [quote=SellingMyHome]We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.[/quote]

    Puleeze!

    If you borrowed money that you could not afford to pay back, took money out of your house to buy crap or pay off your maxed out credit cards or to try to parley into some ‘sweet deals’ on more property, etc, etc then you were JUST as greedy as the banks and deserves just as much culpability.

    I agree. The government needs to regulate greed and stupidity in the credit markets…especially greedy and stupid borrowers.

    November 21, 2009 at 8:11 PM #485848
    meadandale
    Participant

    [quote=SellingMyHome]We weren’t making bad choices. The banks chose to lend to us. They were greedy. Giving loans without income proof?

    The banks’ greed is to blame for this, and the government’s lack of regulation allowed it.[/quote]

    Puleeze!

    If you borrowed money that you could not afford to pay back, took money out of your house to buy crap or pay off your maxed out credit cards or to try to parley into some ‘sweet deals’ on more property, etc, etc then you were JUST as greedy as the banks and deserves just as much culpability.

    I agree. The government needs to regulate greed and stupidity in the credit markets…especially greedy and stupid borrowers.

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