1 Now, is this $75 billion part of the porkulus package o' crap, or is it in addition to the porkulus package o' crap?

2 And those of us who didn't buy more than we could afford and were waiting for prices to crash are totally screwed. FUCK.

3 This is all begging for a Price is Right spoof, isn't it?

4

Read the fine print. The headline should be:

"And Another $475 Billion In Taxpayer Money Out The Door. This Time To Deal With The Housing Crisis."

5 Next bailout: Everyone upside down on their car loans.

6 Not only will most mortgages soon be underwater, but a large share of their holders will be unemployed. Then what?

The economy is dying and we're gonna fix it (and all its symptoms) with political funny money.

7

Can I just go stand on my head in the corner and get a check?  It would save everyone lots of time and paperwork.

My serious question is what percentage of that 13.8 percent are interest-only mortgages?  I'm betting upwards of 80.

8

My bad - CNBC says it's $275 billion, with Fannie and Freddie only getting and additional $100 billion each in suckling from the teat.

9 Ya know, the moment you drive a new car off the lot, the value drops by approx. 25%.  Therefore, the moment you  ake ownership of a new car, you are "under-water."  BAILOUT TIME!!!!

What a fucking generation of whining idiots we have raised.  "WAAH, my house is worth less than I owe...."  "WAAAAH, how could this be allowed to happen to me???  We were never supposed to lose money, ever!!!"

WAF.

10 Should I feel like an idiot ever time I walk into my house that I'm actually able to afford?  If only I'd believed in Obama (and Bush) harder I would have had the hope to see me through that possible irresponsible decision!

11

with Fannie and Freddie only getting and additional $100 billion each in suckling from the teat.

That standard definition of insanity seems to be holding up pretty well...

12 So we're borrowing money from our kids in order to re-inflate house prices to the point where our kids won't be able to afford housing.  Sweet.

13
We are screwed 
Screwed we are
We screwed are
Screwed are we

It doesn't matter how you say it.

14 Here's a novel solution for those who are crying about having a home worth less than they paid for it: stay in your house until the value goes up again.

Start looking at your house as a house, not an investment.

15

Start looking at your house as a house, not an investment.

It's not so much that, Slu, as don't look at your house as a second mortgage ATM-in-waiting.

16 It's not so much that, Slu, as don't look at your house as a second mortgage ATM-in-waiting.

Good point.

17 Start looking at your house as a house, not an investment.

Slublog Johnson is RIGHT!

18 Republicans give taxpayer money to corporations.

Democrats give taxpayer money to people.

Corporations don't vote.

19

I'm not an economist, this is my laymen's understanding.  There are a couple reasons why the upside issue is a big deal.  A lot of people are in adjustable rate mortgages- they're paying a low rate (which makes the mortgage payment affordable) for a few years, and then the rate resets to the market rate.  The new market rate will require much higher monthly mortgage payments- probably beyond their ability to pay.  A lot of people were betting that they would be able to refinance when their introductory rate ended, thus getting an affordable rate again.  If your house is now worth less than you owe, refinancing painlessly at a low rate is pretty much off the table.  Who is going to loan you $500,000 for a house worth $400,000?  So there's the uncertainty clouding the real estate market.  How many people are going to have to foreclose because they can't pay?  Nobody's sure.  Also, people are very uneasy about their financial situation.  If you are technically insolvent- your liabilities (including your mortgage) are greater than your assets, you're not going to go spend more money- you're going to hoard.  This reverberates throughout the economy.

20 stay in your house until the value goes up again.

Exactly my point! We just bought a house. We put the offer in in April and moved in in July. Since the date of the offer, the value of the home has come perilously close to the mortgage. Guess what? I don't care! We plan to be  here for years. Either it will correct itself, or it will continue to tank. But it doesn't matter because I have to   live somewhere! May as well be in my Obama diminished value house.

By the way, our 401 K's and our tiny little stock portfolio took quite a hit as well. They are no longer worth what we put in.

Bail me out Obamaaaa!!!

21

Republicans give taxpayer money to corporations.

Democrats give taxpayer money to people.

Corporations don't vote.

Looks to me like one party is able to multi-task so to speak.

22

Republicans give taxpayer money to corporations.

Democrats give taxpayer money to people.

 

Somebody has been listening to too many lies from the Commies and their lapdogs in the media.

23 Democrats give taxpayer money to people.

Democrats give taxpayer money to bureaucrats and political machines.

24 President Obama and his ghettonomics. "Buy shit you can't afford and wait for your government check!"

25

I wonder if Henrietta Hughes will get all three of her places paid for and returned? [Link to Sweetness & Light news blog.]

26 I've rented for several years because I knew the bubble would burst and prices would come down.  Now it seems that the rules have changed and those who made poor decisions will be saved from the consequences. 

What is my incentive to participate when adherence to the rules gets me less reward than those that benefit from the rules change?

27 Makes me wish I were an indigenous tribal type American. Then I could laugh at all the lenders finding out what if feels like to have somebody squatting on their property.

If only I had been raised liberal, or read less Orwell, then I too could be squatting in a McMansion that I never could have afforded in the first place, and pronounce solemnly on the importance of keeping families in their homes and protecting home "ownership."

28 Remind me again, what are the incentives for NOT screwing yourself up financially?

29 Next up on the agenda, every episode of Flip This House guaranteed to turn a profit!

30 What is my incentive to participate when adherence to the rules gets me less reward than those that benefit from the rules change?

You will comply.  That is all the incentive you need.

31

Too understand why how and why you wind up owing more money than your house is worth you need to go back to the fundamentals of why this mess got started to begin with.

 

This writeup over at Flopping Aces  in 2008 BEFORE all the bailouts were passed explains it all the best that I have ever seen.

 

If you look at that exponential growth in the price of homes you see that it is far greater than normal parameters would allow without government interference.  Look also at the marked decline in house prices at the end there. While true that they fell off rapidly and cost some people who purchased on the upslope of that curve, you will note that they still have not fell to the point where they SHOULD be without government interference.

 

As the government continues to throw taxpayer dollars at poor housing prices in an effort to undo the laws of economics they will continue to fail.  At the same time they do this they ENCOURAGE those 37% who owe more than the house is worth to default. And there lies the problem……

 

You ask why should it be a big problem. Well in the past it wasn’t and that was for two reasons. First there were real rules in place for borrowing money, e.g. 20% down, no payments larger than % income, and a good credit history. That assured that initially you were able to make the payments and if you didn’t then YOU lost money and the bank had enough of YOUR capital in the house that they didn’t lose money on the resale. The second reason is that the government would not bail your ass out if you defaulted. So again, YOU lost. Ultimately the best thing to do was to stay in the house at least until the market recovered enough for you to  get your principle back.

 

Now the government has signaled that you don’t have to do that. They are basically telling you that if you owe more money than the house is worth and you still pay it off you are a sucker because in effect what you are doing is financiering the ones who do default.

 

Welcome to the USSA folks.

32

I'm living in a paid for house.

Driving a paid for truck.

And have money in the bank.

AND THAT MAKES ME A DUMBASS!!

What a shit sandwich.

33

As bad as it is socialism, there is some economic sense in it

People who are upside down, underwater, or just up to thier neck, get a government action to save thier bacon.

Now they feel rich, and start to spend (foolishly) again. Economy gets a (false) jumpstart, and the recession ends (for now, until the tsunami returns, with more cra-ac0rns)

Now the p0litical reason, more people feel they owe the government something.

The bigger problem gets bigger. "The Politician Stimulus"

34 @24 you owe me a new laptop. friggin' soda is everywhere.

Seriously, is it too late for me to buy my fantasy home?
Maybe car loans will be next, as someone has suggested here....I think I can use a few new toys I cannot afford....after that, perhaps credit cards will be bailed out too! I'm goin' to the mall.

35

And those of us who didn't buy more than we could afford and were waiting for prices to crash are totally screwed. FUCK..

Yep. I feel your pain.

36

Does it make sense to stay in an upside down mortgage, or walk away and buy something cheaper?

For the good of the country, I should stay.  For the good of my family I should walk.

37 Avenge us!

38

A lot of people were betting that they would be able to refinance when their introductory rate ended, thus getting an affordable rate again. 

Correct. We're subsidizing gamblers. Bad gamblers.

When what should be done is to drag them and their belongings out of the houses they can no longer afford, so that decent folk can occupy those houses.

What a concept.

39

OK, let me just throw some numbers out of my ass here.

Renting a 3 bedroom in my area is $1500+ utilities.

No money down, interest only, taxes, insurance, utilities=$700-900. Not a nickel of updates or needed mainainence has been done to these homes. Curb appeal has dropped, because these fuckers won't pick up the garbage, let alone mow the lawn.

After 3 years these assholes lose the house they never "owned". They had a net monthly $600 drop in housing for 3 years!...They could have, and did indeed, saved up to $22k during this time.

So, since I plan on being here foreverish, I have to bail out the dickhead who equitied to place for Vacations and the fake Jaguar/Taurus?...Fuck Me?

40 Somebody needs to put all the Dave Ramsey fans on suicide watch.

41 Cromagnum exactly what that was:
"The Politician Stimulus"

aka the permanent voting base

See: Chavez, Hugo

Isn't that kind of what's going on?

Sort of the game plan.  Nationalize the banks, then possibly the car companies, have a slew of state/government workers (thanks stimulus!); all loyal voters etc-and a state financed re-election campaign kinda racket.

He learned well in Chicago

42

    I looked a houses a decade ago where I now live. I finally had to tell the Realtor to stop showing me over-priced houses that we could not negotiate on. I was shown places and told as we walked in the door.."they're selling it for what they owe.."

Like I should fucking jump right on it. Fine, I'll take it, but leave the Benz SUV you bought with the 2nd mortgage when we close...I actually said that. Pissed these assholes off to no end.

Eventually I bought a house from an Estate. No Realtor, or upside down asshole looking for me to clean their shit up.

Looks like I'm gonna do it now though. Without the Granite countertops and in ground pool.

43

Why Frank, Dodd, Cox and Paulson are still walking the streets as free "men" has got to be the biggest mystery of the 21st century.

44 Nothing against Realtors. Sorry if it sounded that way.

45

Maybe we Need Chapter 15, bankruptcy reorganization for foreclosures

1) Its on your credit record. Its a bankruptcy

2) You must downsize your house to be 25% or less than verified income. Feel some pain. The banks have a pool of foreclosed homes. You actually trade down, and move there. Trade down means less sf, less bedrooms/bathrooms, etc. Painful.

3) Requires real estate and financial planning market to also be involved. The transaction is treated like a sale. Less government employee involvement.

4) Must sell all posssesions except minimum allowable. Creditors have list of last 3 years purchases made via credit cards, home-ec loans, and checks. Two unannounced random searches in the first year in downized home.

46 I'm talking to my financial advisor about whether it makes sense to stop paying the mortgage

47 They are "steeply discounted, friend of angelo men".

48

Why Frank, Dodd, Cox and Paulson are still walking the streets as free "men" has got to be the biggest mystery of the 21st century

 

No mystery at all. Democraps rarely go to jail for their crimes. They just get reelected. Those people in the NE figure that it is better to have the crooked SOBs in congress shitting and steeling from the rest of the country that at home shitting on and stealing from them.

49 I just noticed that my state is getting $70 million for weatherization assistance.  So thank you everyone, for helping re-insulate my home.

Actually, I probably won't qualify for the money.  They only give weatherization money to people who don't bother to winterize because the state pays for their heating oil.

50 Let's see - I am being foreclosed on as I type this. But not because I was stupid and bought more house than I should have. I was laid off, then I suffered through a series of strokes, therefore I am unemployable. I burned through everything I had, just to stay alive. But now it's all gone and the vultures are picking at the carcass.

Will I get a check? Fuck, no. I'm unfortunate, not stupid. They don't help the unfortunate, they only reward the stupid.

It's doesn't help that I am a highly-skilled white male, either. That really keeps the State and Feds from providing any assistance.

Basically, I have paid into the system for 25+ years, and I won't get shit from anyone. It sucks, but that is the reality today. I have 15+ years to go before I am eligible for SS, if it still exists by then, and if they haven't boosted the eligibility age to 80+ years.

Expect more of this over the next four years. The age of the 'self-made man' is gone from this country. You cannot be better than anyone else - and if you were, you don't deserve a thing when you desperately need it.

The banks/lenders got themselves into this mess by lending to people who never should have qualified for a loan in the first place. Let them sink. The lenders and the lendees. They all deserve to feel the pain they caused themselves.

The only saving grace is - for me, at least - I have $0 income. Therefore, I don't pay taxes. So my money isn't going to go help bail out these bastards.

But my children? Their futures are *so* fucked right now...

51 So I own stock that also recently depreciated in value. Will I be getting a check from the magic government for the difference? I mean, if they can do it with one investment good, why not all of them?

52 I've heard that up to 70% of these home are not primary residences. Anybody have a ##

53

#50

Google to find the article, "show me the paper"

People are beating foreclosure by forcing the bank to find the original mortgage paper in court. Some banks are stopping foreclosures b/c of this defense.

Maybe its really ACORN in disguise, but with all the re-selling/re-bundling of the mortgages, some paperwork is lost.

54 Tax Revolt.

Work Revolt.

Just Revolt. Now.

55 I finally had to tell the Realtor to stop showing me over-priced houses that we could not negotiate on.

Yeah, but did you get a 587 number?  (That's an incredibly inside regional joke for all those of you who are confused) 

I'm trying to determine exactly why it is that I'm sitting here about to have a nervous breakdown trying to keep up with my work load and trying to do a good job and be responsible.  Look, I know what it's like to be in financial tatters due to my own bad choices.  I never ever wanted anyone to help me out of it.  My life, my fault, my consequences. 

About an hour ago I was told that fund managers for our retirement money are making some major changes in an attempt to stop the bleeding from the funds.  I didn't scream or yell or demand that the money be put back.  It's part of the cycle and I need to suck it up and deal.  I hate that doing so is now a sucker's game.

56 People are beating foreclosure by forcing the bank to find the original mortgage paper in court. Some banks are stopping foreclosures b/c of this defense.

This is the one technical defense that I don't have a problem with.  I don't think it's asking too much of the entity attempting to enforce a loan prove that it actually owns that loan.  There's another practical reason, it potentially places the owners at risk of double exposure if it later turns out that another lender is the real holder of the paper.  Good luck getting the money back that went to the first lender.

57

all this talk about having a "job", and saving your money, this is all just an evil design to keep me from being free.

a "job" forces me to be certain places at certain times and to do certain things, for like an entire third of the day or more! i can't be free with all that going on.

saving my money, that impedes my freedom by restricting the things i can buy, how can i be free if i can't have what i want? in fact money itself is an impedement to freedom, if i don't have the money to buy something i want then that is a restriction and any restriction on my freedom must be destroyed.

the Unicorn Collective loves you, why can't you all see that? 

58

I never hear Hobos complaining about their living conditions.

Now complaining and  gurgling about dying....well....

59 Yes, A-chick, I'm in the coveted 7 square miles of C.S. (585)

60 BTW Alex, should we start planning Morons @ St. Pats Day?

61 BTW Alex, should we start planning Morons @ St. Pats Day?

That sounds like a good plan to me.  I don't really have a preference as to where, though I would prefer not winding up strangling some U student to death when s/he pukes on me. 

62 I've had my leg pee'd on. With your stature it could be much worse!/sarc

63

AoS (tm) Morons at Scrantons St. Pats open container Parade. The heart of the Drue-gee Leever puling donks!Biden, and or, Hillary are a definite for being in the Parade.

Gird your Livers Lads!

64 "we have to keep families in the homes they can't afford and shouldn't have purchased in the first place"

Keep in mind there are lot of people that bought houses they could afford, but now can't because business has evaporated. The whole thing's a shit-sandwich but something needs to happen.

65 I've had my leg pee'd on. With your stature it could be much worse!/sarc

Dude, that's a True Fact right there. 

66 #53

It only works if you have some kind of income - disability, state/fed assistance, or a real job. I have none of these. There will be no negotiations as I have nothing to negotiate with.

If not foreclosure for failure to pay the mortgage, it will be because of failure to pay the taxes. I can't even pay the utilities now - no electric, water or gas.

My only saving grace is my mother - my 85 year old mother. I am living with her now, and 100% dependent. She provides the roof, the food, and the internet (thank god). But if something happens to her, my next place of residence will be a cardboard box in a Florida swamp.

I had a series of brain-stem strokes. I fried the wires from my brain (the controller) to muscles (the motors) - jeez, can you tell I'm a computer geek? I lost the fine motor skills in my right hand, and I walk with a limp because of my right leg. And another stroke numbed up part of my left hand and foot. Supposedly, I am lucky, because a majority of brain-stem strokes kill the patient. And if not death, then severe physical disabilities result. I'm part of the 'lucky' 5% that didn't die and is not suffering from 'severe' disabilities.

So, in their wisdom, the state/fed authorities deemed that since I still have my cognitive skills and can still type and drive a computer (somewhat), I am still employable. So I should just get a job and stop asking for handouts.

Tell that to the tech company looking to hire. They don't want me because they are afraid I will stroke out again (I've had 3 so far) in the middle of a project. Plus the fact that my credit rating is so fucked right now that it sends up a BIG red flag whenever they run a background check. If they ask about the credit rating, I have to explain to them about my medical history. It's all downhill from there. It's all bad.

And working at a fast food place? They won't hire me, because they fear that they will spend monies training me, and then I will find a engineering job and quit. They don't want to do it.

And manual labor is out. Besides tiring easily and falling over occasionally (because of my reduced motor skills), standing on my feet for 8 hours is bad. I worked at Lowes for a month, and it lead to my having yet another stroke. Besides, have you ever seen a stroke survivor climbing a ladder with product in their hands? Hilarious, to say the least. But mostly scary.

I really don't want to keep the house. It's too much now for me to keep and maintain. But I would like some assistance to put food in my mouth. But I can't even get that from the bastards.

Let's face it - mine is a 'so sad, too bad' story that no one cares about. My story does nothing for anyone, especially politically. They don't care. They won't help.

C'est la vie.

67 As somebody that is upside down on their mortgage, I can honestly say that I know what it feels like to be in this position.

At the same time however, I am NOT running to the federal government for a handout. Is it tough paying my mortgage each month? Damn right it is. But I've been living in my house for 2.5 years now and have never missed a payment or have been late on a payment. It takes a thing called SACRIFICE to be able to do it and the people who decide that the easiest thing to do is let their homes go into foreclosure so they can be rescued by Uncle Sam make me want to puke. In addition to the people who made $40,000 a year buying $500,000 homes, there are also many people who got in before the bubble and decided to use their equity like a piggy bank, and instead of putting it towards home improvements, took the cash and used it to finance new cars, electronics, vacations, etc.

68 Just an observation in the Age of The Unicorn. When you cannot discuss the scale of government policy without using exponential notation, you are ready for a good, old-fashioned Chicago ass-raping.

69

D-funct, have you essplained all this to barry at one of his orgys? Maybe you could fake a stroke at one of his events, and blame it on his "Awsomeness"?

Just Kidding. I hate to see good people like you slip through they cracks. Your lack of anger in your comments shows your pride and integrity. And that mother of yours did ALOT right by you in bringing you up right. In my prayers, dude.

70 I wouldn't say that no one cares, I think I can speak for Moron Nation and say that we do.  I leave it to your discretion to determine how much that's worth.

So, in their wisdom, the state/fed authorities deemed that since I still have my cognitive skills and can still type and drive a computer (somewhat), I am still employable. So I should just get a job and stop asking for handouts.

You know, it would be nice if some of the bailout money was used to give you and others in your position jobs.  You obviously want to work, you have intelligence and skills, it would be an smart and effective use of funds.  Oh.  Wait.  I think I just answered why that can't happen.

71 #69

Heh. 'The One' won't care. I'm not politically advantageous for him, or for any other of our new 'saviours'. They are too busy giving away this country to everyone except those that truly need help. Or to those who have too much, at least by their standards. Hey, someone has to pay for all of that 'stimulus'.

Thanks for the prayers. Don't get me started on that aspect of my situation. God and I have been having some rather heated discussions lately. I just wish the bastard would let me know why I'm still here. He's being selfish about that.

As far as the anger levels - they were pretty well cranked up for about the first year of this mess (I've been going through this for 18 months now). But I'm too tired to be extremely pissed off anymore. Still pissed, but under control. Maybe.

72 I nearly plunged tent stakes through my ears listening to just excerpts of President Baboon's hectoring today on housing.

Listening to this archetypal, towering cocksucker Waffles lecture us about "responsibility" and how it's going to take "all of us together" to "solve this crisis in housing."

This cretinous, cunning Marxist twists so many words that the quote marks key on my computer is nearly worn out.

Translation of the Odious One's encomium upon responsiblity:

Expecting everyone to be responsible means if you can't or won't abide by the terms of the mortgage contract you voluntarily signed, the bank and the rest of us are responsible to make up the difference.

Responsibility means if you have savings, can pay your mortgage, and bought a house you can afford on terms you can manage, you are responsible for bailing out your neighbor who bought a much nicer house, with a liar loan, and cashed out all the equity to pay for his trip to see Obastard's inauguration in DC, as well as the plasma TV and the blinged-out Escalade.

Learning to live within your means is anticipating that you will have to pay higher taxes, and carry the burden of inflation when the government creates astronomical deficits and prints money in order to insure that your profligate, spendthrift neighbor gets to keep that house that you could have had, had you been smart enough to spend every penny you make and then borrow sums you could never repay.

I'm sitting here, wishing actual, pernicious, malignant ill fortune upon a certain person.

73 Orwell....how about this one.

"All of us must learn to live within our means again."

Yeah, you fucking pencil necked jackass. Because nothing cements the lesson like bailing out the person who made the mistake.

74

I'm really upside down / underwater here.

Suppose I could get some help on my Citi stock.  I bought it at $25 and now its at $3 per share and I couldn't sell it without taking a big loss. Boo Hoo!

75 #72

"Responsibility" does not mean what it used to mean anymore.

To the current administration, "Responsibility" means: "Do whatever you want and don't worry; because, if you fuck up, the federal government will bail you out".

Does that sound about right?

And to all of those who have based their lives on the old definition of "Responsibility", there's only one word to say to you: "SUCKERS!"

Medication time. I'll be in my bunk...

76

I have a house I can afford, but after all of  my taxes, expenses, fees, etc go up by 50%, I will have trouble paying for my house.

Most of the morons on this site will be in the same boat.  We were responsible.  We bought houses worth less than we could afford.  But after the state and fed get finish with our paychecks, the doing the bailouts today will need the bailout tomorrow.  Assfucks.

77 #13

We are screwed 
Screwed we are
We screwed are
Screwed are we

It doesn't matter how you say it.

Posted by: toby928 at February 18, 2009 11:45 AM (PD1tk)

You forgot:
Are we screwed
Are screwed we

"Are we screwed" is marginal (kinda works if you place an explanation point at the end and emphasize the word 'we'), but "Are screwed we"? I don't get it.

Can you tell I'm bored?

78

I first noticed this when the checks were going out to the families of 911 victims. I forget what the Cash # was, but it was MINUS whatever Life Insurance the victim had.

So, Joe, no life policy, slacker, blew his Life Insurance premiums every month in Atlantic City. His widow got the same $$$ as Al, sack lunch, paid in full Life Policy.

The guy who scrimped to provide for his family, in the untimely event of his death, essentially got penalized, while he lived, and died.

79 There had to be a tipping point. A point where finally there are more people who want to vote themselves goodies out of their neighbor's pockets then there are pockets to loot.

I believe we are finally in a situation analogous to living in a literal den of thieves. When the thieves in a society outnumber the honest people, the honest people have no reason to respect the "property" or the "rights" of the thieves. I don't know how this will work out in 21st century Western civilization, but I can tell you I will cheat the thieves and government every chance I get, with the only proviso being the risk of getting caught. If you just keep letting the thieves steal your stuff, you'll soon have nothing... and don't count on a thief to lend you charity.

80

Accompanying the story of Barry's mortgage scheme are weepy stories about people being thrown out of their homes. The only thing missing is blaming George Bush for all of it.

81 Accompanying the story of Barry's mortgage scheme are weepy stories about people being thrown out of their homes. The only thing missing is blaming George Bush for all of it.

We'll get right on that.

82 What about all of the rental property owners?  If people stay in their house won't they lose money?

83 "Life is tough" "Talk is cheap" "Always tell the truth cause you have to be more than a genius to lie" "Have a plan" "Be specific"

84

I do not know what these (them, you know who) fuckers are thinking. Like #76, I buy house, got good deal, now if my costs go up how am I supposed to pay for it and keep everything else going. I run a small construction business that relies on other people spending money on improving their existing commercial property or building new. What is their incentive to do something...NONE, banks around here (Mid-Atlantic area) are worthless. You should see how many ships are backed up in the Chesapeake Bay due to lack of credit for moving of cars goods etc. off of ships. I spent close to 100K on new equipment over last year and 1/2 and I am getting no breaks, of course not I am a rich business owner. One who is currently employing others (we will see for how long) and should be made to pay others bills at the neglect of my own. I AM PISSED! Have you tried buying ammo lately, Try looking for bulk .223 Hah! Fuck em all.

85

What a fucking generation of whining idiots we have raised.  "WAAH, my house is worth less than I owe...."  "WAAAAH, how could this be allowed to happen to me???  We were never supposed to lose money, ever!!!"

That's my line.

86 "All of us must will learn to live within  off of our your means again now."

Soaring eloquence.

87 Keep in mind that there was also a shitpot of money in the Spendulus for bailing out these houses. This is on top of that.

88 The majority of the $275 billion goes to people who never should have been given home loans in the first place.

89

Has anyone looked at all this crap from the viewpoint of national security?  While obambi is weakening our ecomony, it is weakening us as a country.  Our national security is not on the back burner, it has been thrown out the window while they are solely focusing on redistribution of our hard earned wealth.  If the dims manage to destroy this country, they will be rulers of a destroyed country with no assets and no defense. 

 

Quietly Resisting.

90 If Obama solves the problem and ends the ridiculous practice of buying too much home, then no one will need his bailout magic. 

That's kinda sad.  He knows he's not going to do anything but convince these people they have to depend on democrats and that the GOP will take away their free lunch.

91 It's all about redistributing our money to others.  We have to help prop up the others.

92 Cromagnum @ 45 proposes a Chapter 15, bankruptcy reorganization for foreclosures

Your item 4 will never fly - although I do like it - but I think we could all put our thinking caps on (that's on our heads, Laura) and come up with some penalties that will, shall we say, discourage people from taking risks with their mortgages again.

I propose that anyone getting public assistance with their mortgage have to sexually service inmates at the closest state or federal penitentiary once for every thousand dollars in principal the government assumes.

Some whining asshole who wants $200,000.00 from Uncle Sugar for their mortgage will have to toss 200 salads, or play Ned Beatty in Deliverance 200 times, or, well, you get the idea. This will help prevent tension at prisons nationwide, too.

Who else has a good idea? Doesn't have to be practical, just something you'd like to see these sponges have to do.

93 I'm underwater on my payday loan. Where's my bailout?

And for next week's, too.

94 The housing market is undergoing a proper adjustment to a more reasonable level of pricing. Houses cost way too much and were selling for way too much; the market is correcting. That's not a crisis, it is a good thing. People who speculated on that knew the risks, or should have, and stupidity ought to carry its own price. People who bought too much house and are telling us all that we have to pay their bills can go climb a rope.

95 I am upside down on my mortgage. Whoops, having a senior moment. That was 1981 and a different house. Waited it out for 5 years, sold and moved on. How about we just help these bastiches to the extent of the original mortgage, not the refis and cash-outs and we don't modify non-owner-occupied speculator mortgages? I know, better to not help anyone, it reinforces the lesson that needs teaching once every 70-80 years. You know, the one that goes, it is NOT f'n different this time?

96 I wonder if the repo guys from the car lots will lose their jobs too when someone buys a car they can't afford, is the gov't going to save their asses too?

If Johnny and Sue can't read and they sign an agreement that is legal and binding anyway - they should be held accountable - stupidity and ignorance doesn't matter ... they are adults doing adult things - like buying a home ...

Oh wait, I'm sure in the next couple of months we'll be hearing the "we didn't have time to read the porkulus documents, it's not our fault all is in the shitter" from D.C. dems ...

I only hope out of all this mess the silver lining will be people will once again be held accountable for their actions - I know it's going to take a couple years to even get close to that - gotta vote some of the nitwits out .. but I'm sure it's coming - hopefully the damage done by that time won't be too hard to repair...

97

What I've been waiting for is, the HAPPY Stories.

"Young couple, with newborn, gets great deal on Dream Home"....Hello MSM...crickets.....

98 #97, last April when we moved in here.

But getting out of the Army and trying to get into the civilian workforce is a bitch right now. A lot of vacancies have dried up, and I need to take home 30K a year to maintain. I've got another sixty days of paychecks, then a few huge lump sums, then I'm working without a net.

99 Rush did the quick math on this plan. $75B divided by 9million dumbasses came to somewhere around $8300 apiece. I don't know about you, but that ain't gonna pay off MY mortgage.

Well, that, plus the extra $13 a week (woohoo!) from the stimulus might.

100

Ace,

I may have my dates mixed up, but before I left for a while I think someone said everyone thinks I am a molestor. Is that still the opinion of the internet or did I clear that up already? If it is I need to know so anybody can feel free to say something. I know I said it way to many times when I was building ID, but I cannot remember if it was permanent status or if people knew I was fucking around.

101 what the hell?

102 101, is that directed at me?

103 #99

$8300 before costs to run the program.

In reality, they will each owe the gov't $3.98

Hey - they are Feds, particularly Dem-led Feds, and are here to help... themselves.

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