[davelj]

[quote=AN]I personally think Coverdell is the best…[/quote]

I always thought David Coverdale sounded like a poor man’s Robert Plant, myself.

Oh… CoverDELL… wrong thread…

[davelj]

[quote=AN]I personally think Coverdell is the best…[/quote]

I always thought David Coverdale sounded like a poor man’s Robert Plant, myself.

Oh… CoverDELL… wrong thread…

[davelj]

[quote=AN]I personally think Coverdell is the best…[/quote]

I always thought David Coverdale sounded like a poor man’s Robert Plant, myself.

Oh… CoverDELL… wrong thread…

[davelj]

[quote=AN]I personally think Coverdell is the best…[/quote]

I always thought David Coverdale sounded like a poor man’s Robert Plant, myself.

Oh… CoverDELL… wrong thread…

[davelj]

[quote=paramount]
To each their own, however as for me and my family we will serve our Lord and Savior Jesus Christ. Yes, we are Catholic.[/quote]

[quote=paramount]
By the way, as I recently mentioned I was approved for a new mortgage – on top of the one I already have. The problem is, I want to move to San Elijo Hills. I don’t qualify for the property I would like to buy in SEH, primarily b/c I am not allowed to count what would be my rental income from my house in Temecula.

There has to be a way to get this done, I need to qualify for about 100k more. Any ideas?[/quote]

Prayer?

Given his benevolence and vast powers, this should be a pretty simple task for your Lord and Savior Jesus Christ.

I’m just spitballin’.

[davelj]

[quote=paramount]
To each their own, however as for me and my family we will serve our Lord and Savior Jesus Christ. Yes, we are Catholic.[/quote]

[quote=paramount]
By the way, as I recently mentioned I was approved for a new mortgage – on top of the one I already have. The problem is, I want to move to San Elijo Hills. I don’t qualify for the property I would like to buy in SEH, primarily b/c I am not allowed to count what would be my rental income from my house in Temecula.

There has to be a way to get this done, I need to qualify for about 100k more. Any ideas?[/quote]

Prayer?

Given his benevolence and vast powers, this should be a pretty simple task for your Lord and Savior Jesus Christ.

I’m just spitballin’.

[davelj]

[quote=paramount]
To each their own, however as for me and my family we will serve our Lord and Savior Jesus Christ. Yes, we are Catholic.[/quote]

[quote=paramount]
By the way, as I recently mentioned I was approved for a new mortgage – on top of the one I already have. The problem is, I want to move to San Elijo Hills. I don’t qualify for the property I would like to buy in SEH, primarily b/c I am not allowed to count what would be my rental income from my house in Temecula.

There has to be a way to get this done, I need to qualify for about 100k more. Any ideas?[/quote]

Prayer?

Given his benevolence and vast powers, this should be a pretty simple task for your Lord and Savior Jesus Christ.

I’m just spitballin’.

[davelj]

[quote=paramount]
To each their own, however as for me and my family we will serve our Lord and Savior Jesus Christ. Yes, we are Catholic.[/quote]

[quote=paramount]
By the way, as I recently mentioned I was approved for a new mortgage – on top of the one I already have. The problem is, I want to move to San Elijo Hills. I don’t qualify for the property I would like to buy in SEH, primarily b/c I am not allowed to count what would be my rental income from my house in Temecula.

There has to be a way to get this done, I need to qualify for about 100k more. Any ideas?[/quote]

Prayer?

Given his benevolence and vast powers, this should be a pretty simple task for your Lord and Savior Jesus Christ.

I’m just spitballin’.

[davelj]

[quote=paramount]
To each their own, however as for me and my family we will serve our Lord and Savior Jesus Christ. Yes, we are Catholic.[/quote]

[quote=paramount]
By the way, as I recently mentioned I was approved for a new mortgage – on top of the one I already have. The problem is, I want to move to San Elijo Hills. I don’t qualify for the property I would like to buy in SEH, primarily b/c I am not allowed to count what would be my rental income from my house in Temecula.

There has to be a way to get this done, I need to qualify for about 100k more. Any ideas?[/quote]

Prayer?

Given his benevolence and vast powers, this should be a pretty simple task for your Lord and Savior Jesus Christ.

I’m just spitballin’.

[davelj]

[quote=sdrealtor]Brian and BG,
I never said it was for everyone, I asked how he would know without living it.

[SNIP]

Not saying its for everyone but how would you know if you never experienced something?[/quote]

Pardon me if I butt in on this for a second.

On the one hand, I kinda sorta agree with what you’re trying to get at here. On the other hand, this particular argument is not logically consistent.

I’ve never put my hand on top of a burning stove but I’m quite sure that I don’t want to experience it. My point is that while the direct day-to-day experience of raising children clearly gives one greater insight into the act itself, watching other folks do it sheds a great deal of light on it as well. One does not necessarily need to directly experience something to know whether it’s going to be enjoyable to them or not.

Most parents are so emotionally attached to their children that they are incapable of being objective about raising them and/or what the advantages and disadvantages are. [That’s the very nature of emotion – it’s illogical.] Most parents of killers, for example, still love their murderous offspring. Parents are not objective about their children so anything they say about them must be taken with a grain of salt.

My brother has twin boys and I really enjoy spending time with them. I enjoy being an uncle, so I’m glad he decided to have kids. But if I had to raise those little buggers – or any other children – eventually there would be a murder suicide. It’s just not for me. My brother is glad he has kids – as most parents are – but does not describe his life as “richer,” he describes it as “different.” Sometimes it’s richer and sometimes it’s horrible.

At the end of the day, it’s a trade off. I’m fully aware that I’m “missing something” by not having children of my own. The trade off is that I have all sorts of things that I enjoy doing that I have time to do precisely because I don’t have kids. For my cranial wiring, not having kids is the better choice. Most folks want or need the emotional stuff that comes with having kids. I and many others don’t. And when I want the fun stuff associated with children… that’s what my bother’s kids are for. I’m happy to freeride off him in this area.

[davelj]

[quote=sdrealtor]Brian and BG,
I never said it was for everyone, I asked how he would know without living it.

[SNIP]

Not saying its for everyone but how would you know if you never experienced something?[/quote]

Pardon me if I butt in on this for a second.

On the one hand, I kinda sorta agree with what you’re trying to get at here. On the other hand, this particular argument is not logically consistent.

I’ve never put my hand on top of a burning stove but I’m quite sure that I don’t want to experience it. My point is that while the direct day-to-day experience of raising children clearly gives one greater insight into the act itself, watching other folks do it sheds a great deal of light on it as well. One does not necessarily need to directly experience something to know whether it’s going to be enjoyable to them or not.

Most parents are so emotionally attached to their children that they are incapable of being objective about raising them and/or what the advantages and disadvantages are. [That’s the very nature of emotion – it’s illogical.] Most parents of killers, for example, still love their murderous offspring. Parents are not objective about their children so anything they say about them must be taken with a grain of salt.

My brother has twin boys and I really enjoy spending time with them. I enjoy being an uncle, so I’m glad he decided to have kids. But if I had to raise those little buggers – or any other children – eventually there would be a murder suicide. It’s just not for me. My brother is glad he has kids – as most parents are – but does not describe his life as “richer,” he describes it as “different.” Sometimes it’s richer and sometimes it’s horrible.

At the end of the day, it’s a trade off. I’m fully aware that I’m “missing something” by not having children of my own. The trade off is that I have all sorts of things that I enjoy doing that I have time to do precisely because I don’t have kids. For my cranial wiring, not having kids is the better choice. Most folks want or need the emotional stuff that comes with having kids. I and many others don’t. And when I want the fun stuff associated with children… that’s what my bother’s kids are for. I’m happy to freeride off him in this area.

[davelj]

[quote=sdrealtor]Brian and BG,
I never said it was for everyone, I asked how he would know without living it.

[SNIP]

Not saying its for everyone but how would you know if you never experienced something?[/quote]

Pardon me if I butt in on this for a second.

On the one hand, I kinda sorta agree with what you’re trying to get at here. On the other hand, this particular argument is not logically consistent.

I’ve never put my hand on top of a burning stove but I’m quite sure that I don’t want to experience it. My point is that while the direct day-to-day experience of raising children clearly gives one greater insight into the act itself, watching other folks do it sheds a great deal of light on it as well. One does not necessarily need to directly experience something to know whether it’s going to be enjoyable to them or not.

Most parents are so emotionally attached to their children that they are incapable of being objective about raising them and/or what the advantages and disadvantages are. [That’s the very nature of emotion – it’s illogical.] Most parents of killers, for example, still love their murderous offspring. Parents are not objective about their children so anything they say about them must be taken with a grain of salt.

My brother has twin boys and I really enjoy spending time with them. I enjoy being an uncle, so I’m glad he decided to have kids. But if I had to raise those little buggers – or any other children – eventually there would be a murder suicide. It’s just not for me. My brother is glad he has kids – as most parents are – but does not describe his life as “richer,” he describes it as “different.” Sometimes it’s richer and sometimes it’s horrible.

At the end of the day, it’s a trade off. I’m fully aware that I’m “missing something” by not having children of my own. The trade off is that I have all sorts of things that I enjoy doing that I have time to do precisely because I don’t have kids. For my cranial wiring, not having kids is the better choice. Most folks want or need the emotional stuff that comes with having kids. I and many others don’t. And when I want the fun stuff associated with children… that’s what my bother’s kids are for. I’m happy to freeride off him in this area.

[davelj]

[quote=sdrealtor]Brian and BG,
I never said it was for everyone, I asked how he would know without living it.

[SNIP]

Not saying its for everyone but how would you know if you never experienced something?[/quote]

Pardon me if I butt in on this for a second.

On the one hand, I kinda sorta agree with what you’re trying to get at here. On the other hand, this particular argument is not logically consistent.

I’ve never put my hand on top of a burning stove but I’m quite sure that I don’t want to experience it. My point is that while the direct day-to-day experience of raising children clearly gives one greater insight into the act itself, watching other folks do it sheds a great deal of light on it as well. One does not necessarily need to directly experience something to know whether it’s going to be enjoyable to them or not.

Most parents are so emotionally attached to their children that they are incapable of being objective about raising them and/or what the advantages and disadvantages are. [That’s the very nature of emotion – it’s illogical.] Most parents of killers, for example, still love their murderous offspring. Parents are not objective about their children so anything they say about them must be taken with a grain of salt.

My brother has twin boys and I really enjoy spending time with them. I enjoy being an uncle, so I’m glad he decided to have kids. But if I had to raise those little buggers – or any other children – eventually there would be a murder suicide. It’s just not for me. My brother is glad he has kids – as most parents are – but does not describe his life as “richer,” he describes it as “different.” Sometimes it’s richer and sometimes it’s horrible.

At the end of the day, it’s a trade off. I’m fully aware that I’m “missing something” by not having children of my own. The trade off is that I have all sorts of things that I enjoy doing that I have time to do precisely because I don’t have kids. For my cranial wiring, not having kids is the better choice. Most folks want or need the emotional stuff that comes with having kids. I and many others don’t. And when I want the fun stuff associated with children… that’s what my bother’s kids are for. I’m happy to freeride off him in this area.

[davelj]

[quote=sdrealtor]Brian and BG,
I never said it was for everyone, I asked how he would know without living it.

[SNIP]

Not saying its for everyone but how would you know if you never experienced something?[/quote]

Pardon me if I butt in on this for a second.

On the one hand, I kinda sorta agree with what you’re trying to get at here. On the other hand, this particular argument is not logically consistent.

I’ve never put my hand on top of a burning stove but I’m quite sure that I don’t want to experience it. My point is that while the direct day-to-day experience of raising children clearly gives one greater insight into the act itself, watching other folks do it sheds a great deal of light on it as well. One does not necessarily need to directly experience something to know whether it’s going to be enjoyable to them or not.

Most parents are so emotionally attached to their children that they are incapable of being objective about raising them and/or what the advantages and disadvantages are. [That’s the very nature of emotion – it’s illogical.] Most parents of killers, for example, still love their murderous offspring. Parents are not objective about their children so anything they say about them must be taken with a grain of salt.

My brother has twin boys and I really enjoy spending time with them. I enjoy being an uncle, so I’m glad he decided to have kids. But if I had to raise those little buggers – or any other children – eventually there would be a murder suicide. It’s just not for me. My brother is glad he has kids – as most parents are – but does not describe his life as “richer,” he describes it as “different.” Sometimes it’s richer and sometimes it’s horrible.

At the end of the day, it’s a trade off. I’m fully aware that I’m “missing something” by not having children of my own. The trade off is that I have all sorts of things that I enjoy doing that I have time to do precisely because I don’t have kids. For my cranial wiring, not having kids is the better choice. Most folks want or need the emotional stuff that comes with having kids. I and many others don’t. And when I want the fun stuff associated with children… that’s what my bother’s kids are for. I’m happy to freeride off him in this area.

[davelj]

[quote=sdrealtor]One of my friend’s father was a barber. Under your opinions you would have sent him to trade school. He went to community college, transferred to a state school, got into an Ivy League medical school, then residencies/fellowships at the top instuations in the country and to this day lives relatively modestly. He has had to buy into a partnership, pay off several hundred K in debt on his education and raise a young family. He’s about 40 now and under your model still would be unable to buy a home despite earning about $500K per year. He has none of the issues you listed and has busted his butt to get where he is which is at the top of his highly specialized medical specialty. He deserves a good quality of life, no make that a great quality of life and no one will convince me otherwise. [/quote]

I’d be careful with use of the word “deserve” in this context. If you take a look around the world and are honest with yourself about your abilities, it’s pretty clear that most people in the U.S. have it far better than they “deserve.” Now, this is all relative, of course. You could argue that these other folks (in developing countries) are getting less than they deserve. My point is that on a relative basis, almost everyone in our country (and arguably Western Europe) gets far more than they “deserve.” Consequently, it would be hard to convince me that anyone actually “deserves” this great quality of life that you’re talking about. It’s merely something that by the luck of the draw happens to be available to a very small minority of folks on the planet. But it is in no way “deserved.” I certainly don’t deserve the standard of living that I enjoy. I’m just one lucky bastard and damn glad that I wasn’t born in Bangladesh.

[quote=sdrealtor]
They dont refuse to retire the debt, it is just so MASSIVE that it takes years to do so. The debt is bigger than most peoples mortgages and these guys knock it out in 10 years or less rather than the 30 years for a mortgage. I’m not saying they shouldnt be fully underwritten but rather they should have the leeway not to put 20% down as you would require in every case. They are good credit risks, certainly much better than a worker be who is one or two missed payments away from poverty.
[/quote]

I hear what you’re saying here, but to take the other side… these are also fairly financially savvy folks. Just the sort of folks who might buy a big house (taking on the large mortgage implied) and walk away from it if prices declined. I’m not suggesting that you approve of this sort of behavior. I’m merely saying that if the recent crisis has taught us one thing it’s that you better have a margin of safety on that collateral… because a helluva a lot of folks (along the entire economic spectrum) don’t give a rat’s ass about meeting a payment obligation if they can legally avoid it.

[Author]

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