[temeculaguy]

Admittedly I’m using info from 1990/1991 because that is when i bought my first house and the fha ceiling was 41%, the default rate back then was steady in the 5-8% rate and had been stable until 2001 when it broke 10% and kept climbing. DTI’s during the recent boom were virtually non existent.

I’m not saying it’s ideal, just that it can be done. FHA loans were not designed for people at the apex of their careers, it was primarily for first timers. I had a 41% dti, but I was like 22 or 23 years old, every year that number went down as my income increased.

And the answer to the question about what happens if there is extended unemployment, divorce, etc, is that you sell the house. No dti can calculate that, you stop working, you stop owning, that is not new, I’m sure of it. The part about raising a family and saving for retirement, people who make 60k gross don’t get to raise families and buy houses on that, plain and simple. That example is for they typical college grad buying a little condo for under 200k. So in my mind, since fha was using that 41% 20 years ago and had a lower default rate, even through boom and bust cycles, the culprit of todays problems isn’t that 41%.

Would I buy today with a 41% dti, hell no! I’m over 40, my earnings are near their peak in my career, I do have kids to send to college, and pay for cars and insurance, etc., etc., etc. so I’m more conservative, but at this point in my life I’m not who that loan is intended for, when I was, it worked, that’s all I’m saying.

I could be wrong on this but I was trying to research the history of dti’s and found that during the boom years of 2005,2006, they were using 59%, so was conventional, if that is true, that is crazy. But then again on a stated income loan, there is no dti, I believe that is the biggest reason things went to pieces.

[temeculaguy]

Admittedly I’m using info from 1990/1991 because that is when i bought my first house and the fha ceiling was 41%, the default rate back then was steady in the 5-8% rate and had been stable until 2001 when it broke 10% and kept climbing. DTI’s during the recent boom were virtually non existent.

I’m not saying it’s ideal, just that it can be done. FHA loans were not designed for people at the apex of their careers, it was primarily for first timers. I had a 41% dti, but I was like 22 or 23 years old, every year that number went down as my income increased.

And the answer to the question about what happens if there is extended unemployment, divorce, etc, is that you sell the house. No dti can calculate that, you stop working, you stop owning, that is not new, I’m sure of it. The part about raising a family and saving for retirement, people who make 60k gross don’t get to raise families and buy houses on that, plain and simple. That example is for they typical college grad buying a little condo for under 200k. So in my mind, since fha was using that 41% 20 years ago and had a lower default rate, even through boom and bust cycles, the culprit of todays problems isn’t that 41%.

Would I buy today with a 41% dti, hell no! I’m over 40, my earnings are near their peak in my career, I do have kids to send to college, and pay for cars and insurance, etc., etc., etc. so I’m more conservative, but at this point in my life I’m not who that loan is intended for, when I was, it worked, that’s all I’m saying.

I could be wrong on this but I was trying to research the history of dti’s and found that during the boom years of 2005,2006, they were using 59%, so was conventional, if that is true, that is crazy. But then again on a stated income loan, there is no dti, I believe that is the biggest reason things went to pieces.

[temeculaguy]

Admittedly I’m using info from 1990/1991 because that is when i bought my first house and the fha ceiling was 41%, the default rate back then was steady in the 5-8% rate and had been stable until 2001 when it broke 10% and kept climbing. DTI’s during the recent boom were virtually non existent.

I’m not saying it’s ideal, just that it can be done. FHA loans were not designed for people at the apex of their careers, it was primarily for first timers. I had a 41% dti, but I was like 22 or 23 years old, every year that number went down as my income increased.

And the answer to the question about what happens if there is extended unemployment, divorce, etc, is that you sell the house. No dti can calculate that, you stop working, you stop owning, that is not new, I’m sure of it. The part about raising a family and saving for retirement, people who make 60k gross don’t get to raise families and buy houses on that, plain and simple. That example is for they typical college grad buying a little condo for under 200k. So in my mind, since fha was using that 41% 20 years ago and had a lower default rate, even through boom and bust cycles, the culprit of todays problems isn’t that 41%.

Would I buy today with a 41% dti, hell no! I’m over 40, my earnings are near their peak in my career, I do have kids to send to college, and pay for cars and insurance, etc., etc., etc. so I’m more conservative, but at this point in my life I’m not who that loan is intended for, when I was, it worked, that’s all I’m saying.

I could be wrong on this but I was trying to research the history of dti’s and found that during the boom years of 2005,2006, they were using 59%, so was conventional, if that is true, that is crazy. But then again on a stated income loan, there is no dti, I believe that is the biggest reason things went to pieces.

[temeculaguy]

Admittedly I’m using info from 1990/1991 because that is when i bought my first house and the fha ceiling was 41%, the default rate back then was steady in the 5-8% rate and had been stable until 2001 when it broke 10% and kept climbing. DTI’s during the recent boom were virtually non existent.

I’m not saying it’s ideal, just that it can be done. FHA loans were not designed for people at the apex of their careers, it was primarily for first timers. I had a 41% dti, but I was like 22 or 23 years old, every year that number went down as my income increased.

And the answer to the question about what happens if there is extended unemployment, divorce, etc, is that you sell the house. No dti can calculate that, you stop working, you stop owning, that is not new, I’m sure of it. The part about raising a family and saving for retirement, people who make 60k gross don’t get to raise families and buy houses on that, plain and simple. That example is for they typical college grad buying a little condo for under 200k. So in my mind, since fha was using that 41% 20 years ago and had a lower default rate, even through boom and bust cycles, the culprit of todays problems isn’t that 41%.

Would I buy today with a 41% dti, hell no! I’m over 40, my earnings are near their peak in my career, I do have kids to send to college, and pay for cars and insurance, etc., etc., etc. so I’m more conservative, but at this point in my life I’m not who that loan is intended for, when I was, it worked, that’s all I’m saying.

I could be wrong on this but I was trying to research the history of dti’s and found that during the boom years of 2005,2006, they were using 59%, so was conventional, if that is true, that is crazy. But then again on a stated income loan, there is no dti, I believe that is the biggest reason things went to pieces.

[temeculaguy]

What’s wrong with 29%/41%, conventional is 33/38 or something like that. I bought a house 20 years ago with fha and the top end was 41% back then, it was fine.

Let’s say you gross 5k a month (60k a year), your mortgage with everything included(taxes, insurance, pmi) and your car payments, credit card payments, student loans, basicly any and all debt, cannot exceed 2k a month total. with lower incomes, the tax rate is lower and with a home deduction they are probably taking home 4k. That’s not unreasonable to ask someone to have their house, car and the rest take up half their take home, the 2k left over is for utilities, fuel and food. It worked for a long time until recently when they stopped verifying income or debt.

At higher incomes it actually stings more because the tax rate increases, but then again the utils. food and fuel are at similar rates so it works. The 38-41% formula has been around a long time, it is the lack of verification that caused the trouble.

If you break it down, that 60k earner might have a $300 car payment and $200 in credit card bills, they get to have a loan of about $1500 total, inclusive of all impounds, so its about a 1200 P&I, that means sub 200k purchase price and is just a tad over 3x earnings. It’s tight but if their rent is 1200 mo, then that 1500 house payment after taxes will be in line.

I think the same formula has been in use for 50 years, it works and it’s not new.

[temeculaguy]

What’s wrong with 29%/41%, conventional is 33/38 or something like that. I bought a house 20 years ago with fha and the top end was 41% back then, it was fine.

Let’s say you gross 5k a month (60k a year), your mortgage with everything included(taxes, insurance, pmi) and your car payments, credit card payments, student loans, basicly any and all debt, cannot exceed 2k a month total. with lower incomes, the tax rate is lower and with a home deduction they are probably taking home 4k. That’s not unreasonable to ask someone to have their house, car and the rest take up half their take home, the 2k left over is for utilities, fuel and food. It worked for a long time until recently when they stopped verifying income or debt.

At higher incomes it actually stings more because the tax rate increases, but then again the utils. food and fuel are at similar rates so it works. The 38-41% formula has been around a long time, it is the lack of verification that caused the trouble.

If you break it down, that 60k earner might have a $300 car payment and $200 in credit card bills, they get to have a loan of about $1500 total, inclusive of all impounds, so its about a 1200 P&I, that means sub 200k purchase price and is just a tad over 3x earnings. It’s tight but if their rent is 1200 mo, then that 1500 house payment after taxes will be in line.

I think the same formula has been in use for 50 years, it works and it’s not new.

[temeculaguy]

What’s wrong with 29%/41%, conventional is 33/38 or something like that. I bought a house 20 years ago with fha and the top end was 41% back then, it was fine.

Let’s say you gross 5k a month (60k a year), your mortgage with everything included(taxes, insurance, pmi) and your car payments, credit card payments, student loans, basicly any and all debt, cannot exceed 2k a month total. with lower incomes, the tax rate is lower and with a home deduction they are probably taking home 4k. That’s not unreasonable to ask someone to have their house, car and the rest take up half their take home, the 2k left over is for utilities, fuel and food. It worked for a long time until recently when they stopped verifying income or debt.

At higher incomes it actually stings more because the tax rate increases, but then again the utils. food and fuel are at similar rates so it works. The 38-41% formula has been around a long time, it is the lack of verification that caused the trouble.

If you break it down, that 60k earner might have a $300 car payment and $200 in credit card bills, they get to have a loan of about $1500 total, inclusive of all impounds, so its about a 1200 P&I, that means sub 200k purchase price and is just a tad over 3x earnings. It’s tight but if their rent is 1200 mo, then that 1500 house payment after taxes will be in line.

I think the same formula has been in use for 50 years, it works and it’s not new.

[temeculaguy]

What’s wrong with 29%/41%, conventional is 33/38 or something like that. I bought a house 20 years ago with fha and the top end was 41% back then, it was fine.

Let’s say you gross 5k a month (60k a year), your mortgage with everything included(taxes, insurance, pmi) and your car payments, credit card payments, student loans, basicly any and all debt, cannot exceed 2k a month total. with lower incomes, the tax rate is lower and with a home deduction they are probably taking home 4k. That’s not unreasonable to ask someone to have their house, car and the rest take up half their take home, the 2k left over is for utilities, fuel and food. It worked for a long time until recently when they stopped verifying income or debt.

At higher incomes it actually stings more because the tax rate increases, but then again the utils. food and fuel are at similar rates so it works. The 38-41% formula has been around a long time, it is the lack of verification that caused the trouble.

If you break it down, that 60k earner might have a $300 car payment and $200 in credit card bills, they get to have a loan of about $1500 total, inclusive of all impounds, so its about a 1200 P&I, that means sub 200k purchase price and is just a tad over 3x earnings. It’s tight but if their rent is 1200 mo, then that 1500 house payment after taxes will be in line.

I think the same formula has been in use for 50 years, it works and it’s not new.

[temeculaguy]

What’s wrong with 29%/41%, conventional is 33/38 or something like that. I bought a house 20 years ago with fha and the top end was 41% back then, it was fine.

Let’s say you gross 5k a month (60k a year), your mortgage with everything included(taxes, insurance, pmi) and your car payments, credit card payments, student loans, basicly any and all debt, cannot exceed 2k a month total. with lower incomes, the tax rate is lower and with a home deduction they are probably taking home 4k. That’s not unreasonable to ask someone to have their house, car and the rest take up half their take home, the 2k left over is for utilities, fuel and food. It worked for a long time until recently when they stopped verifying income or debt.

At higher incomes it actually stings more because the tax rate increases, but then again the utils. food and fuel are at similar rates so it works. The 38-41% formula has been around a long time, it is the lack of verification that caused the trouble.

If you break it down, that 60k earner might have a $300 car payment and $200 in credit card bills, they get to have a loan of about $1500 total, inclusive of all impounds, so its about a 1200 P&I, that means sub 200k purchase price and is just a tad over 3x earnings. It’s tight but if their rent is 1200 mo, then that 1500 house payment after taxes will be in line.

I think the same formula has been in use for 50 years, it works and it’s not new.

[temeculaguy]

I don’t sweat the quarry, I very much doubt it will ever happen. I say this because the eco nimby folks up here have substantial power and when they have the indians, the city, the wineries, the tourism folks and all the environmentalists on their side, they never lose. About ten years ago that S.O.S. group was formed to fight a power line to San Diego, it seems the big energy companies may have wanted to sell electricity from mexico and from new plants in s.d. to L.A., the S.O.S. folks formed, raised tons of cash and won. San Diego’s Sunrise power link exists because of these guys. It’s a long story, I attended their fundraisers in the wine country (great parties by the way) and they now have set their sights on the quarry. Only this time the tourism and wineries have grown about 10 fold since the power line days. Tourism here is no small affair, 600 million a year, so is the agriculture/wine biz valued at 600 mil, god only know how much the pechangans make with the largest casino/resort in the state. It will also endanger SDSU’s big eco preserve and the last/largest coastal flowing river and pendleton’s water supply. I’m not even sure it will be all that big of a deal if they built it, it’s actually closer to fallbrook than it is to me but do not for minute think that these folks are small time, they have money, experience and an undefeated record, they dont want something, it’s not coming. The city just spent 2/3 of a million on another study to fight it, they have the money set aside to buy all of the land around it, the game is not over. The city has a balanced budget and a 15 million dollar surplus this year, even in these times, they are laying off nobody and have cash left over, there’s lot of cash for lobbying, lawyers and perhaps a few bribes. If they made it a bet in vegas, I’d give you 2 to 1 that it never gets built.

As for the town, search old threads, nobody wants to hear me tell them all again, i defended my hood valiantly for a few years and it exhausted me. I wont even fight the sterotypes, if you want a 5 br home in a safe area with a responsive local governemnt at a price that is in line with Texas, you have but a few choices, this is my favorite one. If houses on the coast cost the same, I probably wouldn;t live here, but the cost vs the benefit is where I made my decision, you have to make your own. If the OP is serious about shopping, send me a private message with any questions, I’d be glad to give you my specific opinions on the neigborhoods, developments and tracts, that stuff i know. I’m not a realtor, I have not and will not take a nickel for my advice and over a dozen piggs, past and present can attest to that, many of them I’ve met in person. Some are my neighbors now, some are my friends and i truly believe that at todays prices, you are making a fairly safe bet in real estate up here right now if you play it smart. But that’s me, I’m selfish now, I got mine, now i just pop in for fun and to interact with old friends, it makes no difference to me, I’m not selling, and if i did, I’d make a tidy profit, not because of the town I chose but because I did it the piggington way, the informed way.

[temeculaguy]

I don’t sweat the quarry, I very much doubt it will ever happen. I say this because the eco nimby folks up here have substantial power and when they have the indians, the city, the wineries, the tourism folks and all the environmentalists on their side, they never lose. About ten years ago that S.O.S. group was formed to fight a power line to San Diego, it seems the big energy companies may have wanted to sell electricity from mexico and from new plants in s.d. to L.A., the S.O.S. folks formed, raised tons of cash and won. San Diego’s Sunrise power link exists because of these guys. It’s a long story, I attended their fundraisers in the wine country (great parties by the way) and they now have set their sights on the quarry. Only this time the tourism and wineries have grown about 10 fold since the power line days. Tourism here is no small affair, 600 million a year, so is the agriculture/wine biz valued at 600 mil, god only know how much the pechangans make with the largest casino/resort in the state. It will also endanger SDSU’s big eco preserve and the last/largest coastal flowing river and pendleton’s water supply. I’m not even sure it will be all that big of a deal if they built it, it’s actually closer to fallbrook than it is to me but do not for minute think that these folks are small time, they have money, experience and an undefeated record, they dont want something, it’s not coming. The city just spent 2/3 of a million on another study to fight it, they have the money set aside to buy all of the land around it, the game is not over. The city has a balanced budget and a 15 million dollar surplus this year, even in these times, they are laying off nobody and have cash left over, there’s lot of cash for lobbying, lawyers and perhaps a few bribes. If they made it a bet in vegas, I’d give you 2 to 1 that it never gets built.

As for the town, search old threads, nobody wants to hear me tell them all again, i defended my hood valiantly for a few years and it exhausted me. I wont even fight the sterotypes, if you want a 5 br home in a safe area with a responsive local governemnt at a price that is in line with Texas, you have but a few choices, this is my favorite one. If houses on the coast cost the same, I probably wouldn;t live here, but the cost vs the benefit is where I made my decision, you have to make your own. If the OP is serious about shopping, send me a private message with any questions, I’d be glad to give you my specific opinions on the neigborhoods, developments and tracts, that stuff i know. I’m not a realtor, I have not and will not take a nickel for my advice and over a dozen piggs, past and present can attest to that, many of them I’ve met in person. Some are my neighbors now, some are my friends and i truly believe that at todays prices, you are making a fairly safe bet in real estate up here right now if you play it smart. But that’s me, I’m selfish now, I got mine, now i just pop in for fun and to interact with old friends, it makes no difference to me, I’m not selling, and if i did, I’d make a tidy profit, not because of the town I chose but because I did it the piggington way, the informed way.

[temeculaguy]

I don’t sweat the quarry, I very much doubt it will ever happen. I say this because the eco nimby folks up here have substantial power and when they have the indians, the city, the wineries, the tourism folks and all the environmentalists on their side, they never lose. About ten years ago that S.O.S. group was formed to fight a power line to San Diego, it seems the big energy companies may have wanted to sell electricity from mexico and from new plants in s.d. to L.A., the S.O.S. folks formed, raised tons of cash and won. San Diego’s Sunrise power link exists because of these guys. It’s a long story, I attended their fundraisers in the wine country (great parties by the way) and they now have set their sights on the quarry. Only this time the tourism and wineries have grown about 10 fold since the power line days. Tourism here is no small affair, 600 million a year, so is the agriculture/wine biz valued at 600 mil, god only know how much the pechangans make with the largest casino/resort in the state. It will also endanger SDSU’s big eco preserve and the last/largest coastal flowing river and pendleton’s water supply. I’m not even sure it will be all that big of a deal if they built it, it’s actually closer to fallbrook than it is to me but do not for minute think that these folks are small time, they have money, experience and an undefeated record, they dont want something, it’s not coming. The city just spent 2/3 of a million on another study to fight it, they have the money set aside to buy all of the land around it, the game is not over. The city has a balanced budget and a 15 million dollar surplus this year, even in these times, they are laying off nobody and have cash left over, there’s lot of cash for lobbying, lawyers and perhaps a few bribes. If they made it a bet in vegas, I’d give you 2 to 1 that it never gets built.

As for the town, search old threads, nobody wants to hear me tell them all again, i defended my hood valiantly for a few years and it exhausted me. I wont even fight the sterotypes, if you want a 5 br home in a safe area with a responsive local governemnt at a price that is in line with Texas, you have but a few choices, this is my favorite one. If houses on the coast cost the same, I probably wouldn;t live here, but the cost vs the benefit is where I made my decision, you have to make your own. If the OP is serious about shopping, send me a private message with any questions, I’d be glad to give you my specific opinions on the neigborhoods, developments and tracts, that stuff i know. I’m not a realtor, I have not and will not take a nickel for my advice and over a dozen piggs, past and present can attest to that, many of them I’ve met in person. Some are my neighbors now, some are my friends and i truly believe that at todays prices, you are making a fairly safe bet in real estate up here right now if you play it smart. But that’s me, I’m selfish now, I got mine, now i just pop in for fun and to interact with old friends, it makes no difference to me, I’m not selling, and if i did, I’d make a tidy profit, not because of the town I chose but because I did it the piggington way, the informed way.

[temeculaguy]

I don’t sweat the quarry, I very much doubt it will ever happen. I say this because the eco nimby folks up here have substantial power and when they have the indians, the city, the wineries, the tourism folks and all the environmentalists on their side, they never lose. About ten years ago that S.O.S. group was formed to fight a power line to San Diego, it seems the big energy companies may have wanted to sell electricity from mexico and from new plants in s.d. to L.A., the S.O.S. folks formed, raised tons of cash and won. San Diego’s Sunrise power link exists because of these guys. It’s a long story, I attended their fundraisers in the wine country (great parties by the way) and they now have set their sights on the quarry. Only this time the tourism and wineries have grown about 10 fold since the power line days. Tourism here is no small affair, 600 million a year, so is the agriculture/wine biz valued at 600 mil, god only know how much the pechangans make with the largest casino/resort in the state. It will also endanger SDSU’s big eco preserve and the last/largest coastal flowing river and pendleton’s water supply. I’m not even sure it will be all that big of a deal if they built it, it’s actually closer to fallbrook than it is to me but do not for minute think that these folks are small time, they have money, experience and an undefeated record, they dont want something, it’s not coming. The city just spent 2/3 of a million on another study to fight it, they have the money set aside to buy all of the land around it, the game is not over. The city has a balanced budget and a 15 million dollar surplus this year, even in these times, they are laying off nobody and have cash left over, there’s lot of cash for lobbying, lawyers and perhaps a few bribes. If they made it a bet in vegas, I’d give you 2 to 1 that it never gets built.

As for the town, search old threads, nobody wants to hear me tell them all again, i defended my hood valiantly for a few years and it exhausted me. I wont even fight the sterotypes, if you want a 5 br home in a safe area with a responsive local governemnt at a price that is in line with Texas, you have but a few choices, this is my favorite one. If houses on the coast cost the same, I probably wouldn;t live here, but the cost vs the benefit is where I made my decision, you have to make your own. If the OP is serious about shopping, send me a private message with any questions, I’d be glad to give you my specific opinions on the neigborhoods, developments and tracts, that stuff i know. I’m not a realtor, I have not and will not take a nickel for my advice and over a dozen piggs, past and present can attest to that, many of them I’ve met in person. Some are my neighbors now, some are my friends and i truly believe that at todays prices, you are making a fairly safe bet in real estate up here right now if you play it smart. But that’s me, I’m selfish now, I got mine, now i just pop in for fun and to interact with old friends, it makes no difference to me, I’m not selling, and if i did, I’d make a tidy profit, not because of the town I chose but because I did it the piggington way, the informed way.

[temeculaguy]

I don’t sweat the quarry, I very much doubt it will ever happen. I say this because the eco nimby folks up here have substantial power and when they have the indians, the city, the wineries, the tourism folks and all the environmentalists on their side, they never lose. About ten years ago that S.O.S. group was formed to fight a power line to San Diego, it seems the big energy companies may have wanted to sell electricity from mexico and from new plants in s.d. to L.A., the S.O.S. folks formed, raised tons of cash and won. San Diego’s Sunrise power link exists because of these guys. It’s a long story, I attended their fundraisers in the wine country (great parties by the way) and they now have set their sights on the quarry. Only this time the tourism and wineries have grown about 10 fold since the power line days. Tourism here is no small affair, 600 million a year, so is the agriculture/wine biz valued at 600 mil, god only know how much the pechangans make with the largest casino/resort in the state. It will also endanger SDSU’s big eco preserve and the last/largest coastal flowing river and pendleton’s water supply. I’m not even sure it will be all that big of a deal if they built it, it’s actually closer to fallbrook than it is to me but do not for minute think that these folks are small time, they have money, experience and an undefeated record, they dont want something, it’s not coming. The city just spent 2/3 of a million on another study to fight it, they have the money set aside to buy all of the land around it, the game is not over. The city has a balanced budget and a 15 million dollar surplus this year, even in these times, they are laying off nobody and have cash left over, there’s lot of cash for lobbying, lawyers and perhaps a few bribes. If they made it a bet in vegas, I’d give you 2 to 1 that it never gets built.

As for the town, search old threads, nobody wants to hear me tell them all again, i defended my hood valiantly for a few years and it exhausted me. I wont even fight the sterotypes, if you want a 5 br home in a safe area with a responsive local governemnt at a price that is in line with Texas, you have but a few choices, this is my favorite one. If houses on the coast cost the same, I probably wouldn;t live here, but the cost vs the benefit is where I made my decision, you have to make your own. If the OP is serious about shopping, send me a private message with any questions, I’d be glad to give you my specific opinions on the neigborhoods, developments and tracts, that stuff i know. I’m not a realtor, I have not and will not take a nickel for my advice and over a dozen piggs, past and present can attest to that, many of them I’ve met in person. Some are my neighbors now, some are my friends and i truly believe that at todays prices, you are making a fairly safe bet in real estate up here right now if you play it smart. But that’s me, I’m selfish now, I got mine, now i just pop in for fun and to interact with old friends, it makes no difference to me, I’m not selling, and if i did, I’d make a tidy profit, not because of the town I chose but because I did it the piggington way, the informed way.

[temeculaguy]

Morally corrupt?? So the world used to be better? By my calculations, almost the entire history of mankind was far more morally corrupt than it is today. Slavery existed in most parts of the globe, not just in this country and not just blacks, people all over the world, entire cultures and races were enslaved, how does that stack up morally vs. the supposed decay we have today. How about the routine genocide, raping and pillaging that went on for centuries, were those the good ole days? The only countries that practice God’s law today, where religion supercedes the will of the people, are mostly islamic countries and they can be the most repressive, but they read a different book so you can dismiss them.

I all for your right to believe what you want, I know my words wont change your opinion but you have to realize that for most of us, religious texts aren’t to be taken literally. They were verbally handed down for generations, modified for political and economic reasons over time and sometimes were in another language that doesn’t always translate well enough to use as a legal argument. I’m gonna die one day, probably within a few decades and I am so excited to finally figure it all out. I’ll wager a beer in heaven that the number of commandments was not ten, somebody took one out or slipped one in, I just know it (Don’t be dick to waiters was probably number 11, but that’s another topic). I just love talking to the guys that doorknock on Saturday mornings cause their version of the rules says god’s law forbids certain celebrations. I always argue that one with them, I’m nice, I tell them they are good people but I think somebody was in a bad mood and edited their book long ago. Why would god hate valentines day? I hate the taste of those little chalk flavored hearts as much as the next guy, but it’s just fun to show affection and to teach kids to give a card to all the girls, it’s your earliest exposure to net fishing. Birthday’s, who doesn’t like cake and ice cream and singing songs, why does hate that? My god is cool with that, my god prefers that to telling people they are wrong for feeling the way they do even when they don’t hurt anyone else in the process. I’m gonna miss football and basketball, I’ll probably miss porn (can’t imagine any god allows internet porn which is why I’m getting my quota in now) but what i wont miss is people telling me what god says, I really think it will be awesome to get into a religious argument and just say, “whatever, let’s just call him, I’ve got his cell phone number.”

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