Does no one accept responsibility any more?

[DividedThigh]

Originally Posted by Ron

Use the force!

you are so funny ron, dt the force is with you brother, lol

[Ron]

I believe everyone should have the same opportunity!
What they do with that opportunity is up to them.

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.

These people don't care. They're just going to think you're another irresponsible whiner who wants government help and shouldn't have it. It's all your fault you were lied to and didn't go to school to understand the ins and outs of the trade. In fact...they'll call you a liberal and a socialist for telling the truth.

[Tiberius Pantera]

Originally Posted by Ron

I believe everyone should have the same opportunity!
What they do with that opportunity is up to them.

well, my friend, in America everyone does! and if someone is denied that same opportunity, they can take you to court and sue your fanny off!

opportunity aint what our liberal friend wants! he want someone to whip his snotty widdle nose!

[Rico]

Originally Posted by Grasshopper

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

GH, he was referring to how you reacted to DT saying he would pray for you.

Originally Posted by T. Pantera

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.

Hey...why don't we just ditch government all together and vote in a corporate dictatorship?

[Tiberius Pantera]

Originally Posted by Grasshopper

Hey...why don't we just ditch government all together and vote in a corporate dictatorship?

why dont you grow up and take get some personal responsibility?

Originally Posted by Rico

GH, he was referring to how you reacted to DT saying he would pray for you.

dt has called me socialist and insulted me in the past. I don't want his prayers. I know what...if he wants to pray have him pray for Julie. If she gets laid off she's going to be in far worse condition than my family is seeing that she will loose her health insurance and needs it for her cancer treatments.

Originally Posted by T. Pantera

why dont you grow up and take get some personal responsibility?

I have. I am my brother's keeper. His well being is my personal responsibility.

[Rico]

Originally Posted by T. Pantera

well, my friend, in America everyone does! and if someone is denied that same opportunity, they can take you to court and sue your fanny off!

Good luck proving in court that you were denied housing because your last name is Spanish, or you have one of those black sounding first names, like Tamika.