- This topic has 135 replies, 20 voices, and was last updated 13 years, 3 months ago by
patb.
-
AuthorPosts
-
July 21, 2011 at 7:37 AM #712686July 22, 2011 at 5:40 AM #711834
Anonymous
GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 5:40 AM #711930GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 5:40 AM #712528GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 5:40 AM #712680GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 5:40 AM #713039GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 6:05 AM #711839GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 6:05 AM #711935GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 6:05 AM #712533GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 6:05 AM #712685GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 6:05 AM #713044GuestNo, you’re both wrong. We are neither self entitled or victims. The point is we won’t allow that. We had a 760 credit score when we sought to modify. Yes, our credit is shot; our home payment is the only credit we need with a healthy income. The ‘land contract’ is actually a mortgage held by the seller who owns the property outright. The house is worth what we are paying and our down payment actually represents equity. We pay our bills, we can afford a home, we don’t want to be foreclosed upon, we are willing to come current with bank and have the money to do so…the point you are missing is the bank wants the home as the mortgage is insured in some way, otherwise they are simply very poor business men.
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)
July 22, 2011 at 6:22 AM #711843
CoronitaParticipant[quote=Crown56]
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)[/quote]
1. I figured you’re one of the neo-americans… True americans take responsibilities for their own actions rather than blame everyone else for their problems.
2. It’s interesting that you equate being “responsible” to being “conservative”…. Never thought liberal = “irresponsible”, but thanks again for reminding me why this great country has so many problems…Too many people like you who refuses to take personal responsibility.
3. You’re dreaming if you think you’ll have any equity in the forseable future…And all you had to do is mention “balloon” payment…And that to me means you lost whatever shred of credibility I thought you *might* have had. Do you even know what you’re getting yourself into?
Do you even bother to think that in the current economic climate that if heaven’s forbid, you lose your job, get into some major health issue, and you are already stretching thin to make your minimum mortgage payments….How the hell are you going to come up with the balloon payment???There’s a reason why it’s called a balloon payment, you know….Do you have any plans on how you might pay for that or are you going to be a like a Jedi Master and “use the force” on that one?…..I feel sorry for your financial future..It just amazes me that people who are in denial such as yourself still exist. You’re worried keeping cabinets (probably worth 1/2 of what you paid to have them installed) and “pride of owning a home”….when you should be worrying about your overall financial health for the sake of you and your family. You’re talking about “bling and doodads”, when you should be talking/asking about ways to increase your net worth versus taking on more financial liability….(Yes, your primary home, unless you paid it off or rent it out to cover your expenses is called LIABILITY)…..
But instead, you’re going to continue down this ridiculous path of throwing more money that obviously you don’t have at a non-incoming producing “asset” that you overpaid for….instead of saving your $$$ for your family’s future…all because you are holding on to your “pride of homeownership”. Seems to me like a recipe for disaster. Why on earth would any sane person with any shred of personal responsibility continue to drain one’s own finances to chase after an illusion??? I hate to say this, but home ownership is not a first amendment right, in which everyone is “entitled” to be a homeowner. It costs MONEY, and for you to be bending and twisting to keep/have the “pride of homeownership” tells me you’re in denial. Normally, I wouldn’t recommend the book/info-tainment material by Robert Kiyosaki called “Rich Dad, Poor Dad” because I never could figure out why people would need to pay $6 for all that “no-shit-shirlock advice” that is contained in that reading material…
….Now I know why he does well…It probably would be in your best finance future to read it (borrow it from a library to save yourself the $6)…But I’m willing to bet you never will bother…Because like I said again, you’re in denial of your financial future…And thanks for asking, but my life is far from miserable.
July 22, 2011 at 6:22 AM #711940CoronitaParticipant[quote=Crown56]
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)[/quote]
1. I figured you’re one of the neo-americans… True americans take responsibilities for their own actions rather than blame everyone else for their problems.
2. It’s interesting that you equate being “responsible” to being “conservative”…. Never thought liberal = “irresponsible”, but thanks again for reminding me why this great country has so many problems…Too many people like you who refuses to take personal responsibility.
3. You’re dreaming if you think you’ll have any equity in the forseable future…And all you had to do is mention “balloon” payment…And that to me means you lost whatever shred of credibility I thought you *might* have had. Do you even know what you’re getting yourself into?
Do you even bother to think that in the current economic climate that if heaven’s forbid, you lose your job, get into some major health issue, and you are already stretching thin to make your minimum mortgage payments….How the hell are you going to come up with the balloon payment???There’s a reason why it’s called a balloon payment, you know….Do you have any plans on how you might pay for that or are you going to be a like a Jedi Master and “use the force” on that one?…..I feel sorry for your financial future..It just amazes me that people who are in denial such as yourself still exist. You’re worried keeping cabinets (probably worth 1/2 of what you paid to have them installed) and “pride of owning a home”….when you should be worrying about your overall financial health for the sake of you and your family. You’re talking about “bling and doodads”, when you should be talking/asking about ways to increase your net worth versus taking on more financial liability….(Yes, your primary home, unless you paid it off or rent it out to cover your expenses is called LIABILITY)…..
But instead, you’re going to continue down this ridiculous path of throwing more money that obviously you don’t have at a non-incoming producing “asset” that you overpaid for….instead of saving your $$$ for your family’s future…all because you are holding on to your “pride of homeownership”. Seems to me like a recipe for disaster. Why on earth would any sane person with any shred of personal responsibility continue to drain one’s own finances to chase after an illusion??? I hate to say this, but home ownership is not a first amendment right, in which everyone is “entitled” to be a homeowner. It costs MONEY, and for you to be bending and twisting to keep/have the “pride of homeownership” tells me you’re in denial. Normally, I wouldn’t recommend the book/info-tainment material by Robert Kiyosaki called “Rich Dad, Poor Dad” because I never could figure out why people would need to pay $6 for all that “no-shit-shirlock advice” that is contained in that reading material…
….Now I know why he does well…It probably would be in your best finance future to read it (borrow it from a library to save yourself the $6)…But I’m willing to bet you never will bother…Because like I said again, you’re in denial of your financial future…And thanks for asking, but my life is far from miserable.
July 22, 2011 at 6:22 AM #712538CoronitaParticipant[quote=Crown56]
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)[/quote]
1. I figured you’re one of the neo-americans… True americans take responsibilities for their own actions rather than blame everyone else for their problems.
2. It’s interesting that you equate being “responsible” to being “conservative”…. Never thought liberal = “irresponsible”, but thanks again for reminding me why this great country has so many problems…Too many people like you who refuses to take personal responsibility.
3. You’re dreaming if you think you’ll have any equity in the forseable future…And all you had to do is mention “balloon” payment…And that to me means you lost whatever shred of credibility I thought you *might* have had. Do you even know what you’re getting yourself into?
Do you even bother to think that in the current economic climate that if heaven’s forbid, you lose your job, get into some major health issue, and you are already stretching thin to make your minimum mortgage payments….How the hell are you going to come up with the balloon payment???There’s a reason why it’s called a balloon payment, you know….Do you have any plans on how you might pay for that or are you going to be a like a Jedi Master and “use the force” on that one?…..I feel sorry for your financial future..It just amazes me that people who are in denial such as yourself still exist. You’re worried keeping cabinets (probably worth 1/2 of what you paid to have them installed) and “pride of owning a home”….when you should be worrying about your overall financial health for the sake of you and your family. You’re talking about “bling and doodads”, when you should be talking/asking about ways to increase your net worth versus taking on more financial liability….(Yes, your primary home, unless you paid it off or rent it out to cover your expenses is called LIABILITY)…..
But instead, you’re going to continue down this ridiculous path of throwing more money that obviously you don’t have at a non-incoming producing “asset” that you overpaid for….instead of saving your $$$ for your family’s future…all because you are holding on to your “pride of homeownership”. Seems to me like a recipe for disaster. Why on earth would any sane person with any shred of personal responsibility continue to drain one’s own finances to chase after an illusion??? I hate to say this, but home ownership is not a first amendment right, in which everyone is “entitled” to be a homeowner. It costs MONEY, and for you to be bending and twisting to keep/have the “pride of homeownership” tells me you’re in denial. Normally, I wouldn’t recommend the book/info-tainment material by Robert Kiyosaki called “Rich Dad, Poor Dad” because I never could figure out why people would need to pay $6 for all that “no-shit-shirlock advice” that is contained in that reading material…
….Now I know why he does well…It probably would be in your best finance future to read it (borrow it from a library to save yourself the $6)…But I’m willing to bet you never will bother…Because like I said again, you’re in denial of your financial future…And thanks for asking, but my life is far from miserable.
July 22, 2011 at 6:22 AM #712690CoronitaParticipant[quote=Crown56]
Please explain to me at what point in this story that we contributed to the decline of our great country. Your boundless cynicism and lack of faith in the American people is exactly why a sucker like Obama was elected to the white house. You make conservatives look bad. I’m all about personal responsibility and fiscal restraint. I’m also responsible for putting a roof over my kids heads. I’m paying the mortgage on a 15 year loan and in 7 years when the balloon comes up I will have significant equity to either secure a mortgage or sell for a profit. Of course you’re next assumption will be that we live in a shit hole and home values will likely decline and so on…I will leave it to you guys to live that miserable life, I’m moving on with mine ( with my cabinets.)[/quote]
1. I figured you’re one of the neo-americans… True americans take responsibilities for their own actions rather than blame everyone else for their problems.
2. It’s interesting that you equate being “responsible” to being “conservative”…. Never thought liberal = “irresponsible”, but thanks again for reminding me why this great country has so many problems…Too many people like you who refuses to take personal responsibility.
3. You’re dreaming if you think you’ll have any equity in the forseable future…And all you had to do is mention “balloon” payment…And that to me means you lost whatever shred of credibility I thought you *might* have had. Do you even know what you’re getting yourself into?
Do you even bother to think that in the current economic climate that if heaven’s forbid, you lose your job, get into some major health issue, and you are already stretching thin to make your minimum mortgage payments….How the hell are you going to come up with the balloon payment???There’s a reason why it’s called a balloon payment, you know….Do you have any plans on how you might pay for that or are you going to be a like a Jedi Master and “use the force” on that one?…..I feel sorry for your financial future..It just amazes me that people who are in denial such as yourself still exist. You’re worried keeping cabinets (probably worth 1/2 of what you paid to have them installed) and “pride of owning a home”….when you should be worrying about your overall financial health for the sake of you and your family. You’re talking about “bling and doodads”, when you should be talking/asking about ways to increase your net worth versus taking on more financial liability….(Yes, your primary home, unless you paid it off or rent it out to cover your expenses is called LIABILITY)…..
But instead, you’re going to continue down this ridiculous path of throwing more money that obviously you don’t have at a non-incoming producing “asset” that you overpaid for….instead of saving your $$$ for your family’s future…all because you are holding on to your “pride of homeownership”. Seems to me like a recipe for disaster. Why on earth would any sane person with any shred of personal responsibility continue to drain one’s own finances to chase after an illusion??? I hate to say this, but home ownership is not a first amendment right, in which everyone is “entitled” to be a homeowner. It costs MONEY, and for you to be bending and twisting to keep/have the “pride of homeownership” tells me you’re in denial. Normally, I wouldn’t recommend the book/info-tainment material by Robert Kiyosaki called “Rich Dad, Poor Dad” because I never could figure out why people would need to pay $6 for all that “no-shit-shirlock advice” that is contained in that reading material…
….Now I know why he does well…It probably would be in your best finance future to read it (borrow it from a library to save yourself the $6)…But I’m willing to bet you never will bother…Because like I said again, you’re in denial of your financial future…And thanks for asking, but my life is far from miserable.
-
AuthorPosts
- You must be logged in to reply to this topic.