Does no one accept responsibility any more?

[Tiberius Pantera]

liberals are people that regret potty training.

[My Own Eyes]

Originally Posted by ManOfWord

It's called choices. I choose what I am going to learn, where I live, what I'm going to drive, how many children I have, who I marry, where I go to church, how hard I am willing to work to find a job or two if the need be. I choose whether I am going to save for retirement or squander my income and expect the government to take care of me. It is about choices and taking responsibility for them.

Speaking of choices, I have to get back on the backhoe and finish the job....the clock is running!

This thread makes me very sad.

I guess because I feel so conflicted about it.

I was raised by the philosophy that you get out what you put in, you reap what you sow, that life is what you make it.

But somewhere in the past year that philosophy has failed me.

Sometimes you can do all the right things, and work your butt off, and life throws you a curve ball and leaves you with nothing.

That's not to say that I think its the governments responsibility to fix that. I think its our responsibility. And I think that the government stepped in way back when, because we failed.

And I think we failed because we were too busy calulating how much anyone really deserved help. And I think that most didn't make the grade.

I think that's human nature, the tendency to only want to help those how deserve it.

I think that's why grace is such a difficult concept for us. Unmerited favor. God giving us what we don't deserve.

I don't profess to be very knowlegeable when it comes to spiritual things. But in our quest to be more like Him, shouldn't grace towards others be a part of that?

[Baron1710]

Originally Posted by Pragmatist

I think Rico has done an excellent job of presenting the lending crisis.

My husband and I both have college degrees, so we are not illiterate, uneducated people. We researched the different types of loans prior to buying a home. We used a mortgage broker from our church and we "trusted" him to help us with the details. Well, in some ways he outright lied to us, and other things he just didn't disclose. I knew we were getting an ARM, but it was fixed for 5 years. He told us we didn't qualify for a conventional loan because my husband hadn't been at his job for 2 years. BTW our credit rating is over 800. He said refinance in 2 years, and we would be fine. Oh, but he failed to mention that there was a prepayment penalty on the loan. I have searched all the papers we signed and still haven't found mention of it. He also failed to tell us that the HELOC had a variable rate. I thought it was fixed for 5 years like the primary loan. Now, I agree that maybe I should have researched the HELOC better, but his lies and failure to disclose were not my fault. Now we have never missed a payment or paid late, and we haven't hit our 5 years yet, so we still have time to refinance, but I am sympathetic to others in a similar situation.

I think predatory lending practices and LYING are not as uncommon as some here think, although, it probably depends on the region where one lives.

I hear what you are saying. I remember when we signed on the house we bought in Norfolk. We got an ARM locked in for 5 years and knew we would be leaving before 5 years. When we went in to sign the papers the attorney was ticked because he was in there all day. I went over every word, and guess what they lied about the interest rate and the ARM in the paperwork was only locked for 3 years. No matter what they tell you, you have to read it for yourself.

[DividedThigh]

Originally Posted by Baron1710

I hear what you are saying. I remember when we signed on the house we bought in Norfolk. We got an ARM locked in for 5 years and knew we would be leaving before 5 years. When we went in to sign the papers the attorney was ticked because he was in there all day. I went over every word, and guess what they lied about the interest rate and the ARM in the paperwork was only locked for 3 years. No matter what they tell you, you have to read it for yourself.

yeah baron good point i enfuriate them because i have a simple rule, unless i have read it , i dont sign it, so true, dt

[Tiberius Pantera]

Originally Posted by ManOfWord

I read the political hoopla and the threads about what the government should do FOR us and it just seems to me like there are so many people who want the government to do everything including wiping their "nose" when they have a sniffle.

Where has personal responsibility gone?

Why is it the government's responsibility to find me a job?
Why is it the government's responsibility to heal me when I'm sick?
Why is it the governments responsibility to put food on my table?
Why is it the governments responsibility to make sure that I make enough money?
Why is it the governments responsibility to control gas prices?
Why is it the governments responsibility to tell me how to raise my kids?
Why is it the governments responsibility to bail me out of my house mortgage when I was the one who signed the contract for a bad loan deal?
Why is it the governments responsibility to bail out the airline industry or any industry for that matter? Why should I be responsible for someone's else's bad business decisions?

Have Americans really become so soft and wimpy that they can't take life by the horns, man up and do what is right?


If I can't afford health care like people who make lots of money, then I can't. No big deal. It's not their responsibility to take care of me. If I can't afford to send my kids to college, then they can join the Armed forces and get them to pay for it after they have done their duty.

There ARE jobs out there. Many of them may not pay boat loads of money, but if you can't afford your life style, they you'll just have to pare down and adjust it. It really isn't rocket science.

Don't have many job skills? GET SOME! READ A BOOK! FIGURE SOMETHING OUT! Apply yourself and stop whining.

As great a country as America has been it just really ticks me off (can you tell?) that our citizens wring their hands and whine and moan and belly ache and complain instead of getting off their fat duff and doing something about it....like work! Kill the cable bill, get rid of the expensive cell phone, stop buying cigarettes, booze, lottery tickets and stop using credit cards to finance your lifestyle!!!

Accept the responsibility! In America, there are few obstacles and "scads" of opportunities!!! Become a winner not a whiner!!



I'm MOW and I approve this message

Those who are dependant on government will do anything to perpetuate government.

It is in the interest of government to expand its roll. Doing so garners more power.

The government educates us and one wonders why we are raising a generation whose first question is always
“What is the government going to do about it?”

These things are connected my friend.

[DividedThigh]

Originally Posted by My Own Eyes

This thread makes me very sad.

I guess because I feel so conflicted about it.

I was raised by the philosophy that you get out what you put in, you reap what you sow, that life is what you make it.

But somewhere in the past year that philosophy has failed me.

Sometimes you can do all the right things, and work your butt off, and life throws you a curve ball and leaves you with nothing.

That's not to say that I think its the governments responsibility to fix that. I think its our responsibility. And I think that the government stepped in way back when, because we failed.

And I think we failed because we were too busy calulating how much anyone really deserved help. And I think that most didn't make the grade.

I think that's human nature, the tendency to only want to help those how deserve it.

I think that's why grace is such a difficult concept for us. Unmerited favor. God giving us what we don't deserve.

I don't profess to be very knowlegeable when it comes to spiritual things. But in our quest to be more like Him, shouldn't grace towards others be a part of that?

i agree my friend, i believe we must expect folks to do there best, and help them with the rest, that is what god does after all, weighing every situation and balancing it with the compassion of our savior is so good, it is sad, god bless you sis, dt

[Tiberius Pantera]

An ARM is only good for yanking ones arm off.

I knew this 15 years ago. dont people remember the 80s?

Originally Posted by stmatthew

This here just ain't even Christian, and I am going to report it.

So now it's unChristian to want to protect American jobs, wages, health care, and enforce equitable lending practices?

This is what I’m talking about. Now the insinuation is that anyone who disagrees with you is UnChristian. I have news for you…we’re just as Christian as you are and we care about America.

America is in the grips of Social Darwinism where those who can survive and those who can or who have a bad turn of events are left to ROT. And the Church has been co-opted by the forces driving this system to preach the gospel of greed. In 2006 the CEO of UHC got over 7 BILLION in stock options…while 18,000 Americans died because they didn’t have the insurance coverage they needed for life saving treatments. Tell me…what’s so “Christian” about that???

We also care that President Bush has engaged in a wreckless war in Iraq under false pretenses that has undermined our political leverage to rally in the international community against real and present threats like Iran, N. Korea, and China. It might take an entire generation before the international community takes us seriously again when faced with a real crisis. It’s like an international, “Boy Who Cried WMD’s” story. One day there may be a real and present threat and the international community won’t trust our intelligence or our motivations. It was already an uphill battle…now it will be next to impossible for at least the next 10 years. Bush’s Iraq policy has completely undermined our national security. Watch…I’ll get called “unchristian” for my opinion here too. lol

[Ron]

Originally Posted by DividedThigh

really, i dont have a clue, he just joined, dt

Use the force!

[My Own Eyes]

Originally Posted by T. Pantera

An ARM is only good for yanking ones arm off.

I knew this 15 years ago. dont people remember the 80s?

As in when I got my cabbage patch doll and insisted on taking it everywhere with me, and even requesting a high chair when we ate in restaurants?

I guess that distracted me from paying any attention to the economy