To all you Americans who don't own a home

[Sailbad the Sinner]

Are you a moron?

Do you realize how easy it is to own a home?

Lemme tell you how easy.

You just need
1.) A Job.
2.) Decent credit. Not great, but decent.
3.) 10% down payment. (In some cases even less is required.)
4.) The monthly payment cannot be in excess of 30% of the buyer(s) gross monthly income.

It boggles the mind why there are any adults in America who do not own a home.

What's up with that?

(Edited: I intentionally waited to add this part - the above is intended as sarcasm. It's a parody of Phrodeau, Ishmael and Miles, mostly using a direct cut and paste of their own words. Surprise! )

Sorry, totally owned.

 

[JazzManJim]

I'm perplexed.

LT decided to humiliate Ishmael by pasting something he posted into a thread here, right? This was becaus he hoped that everyone would see the ridiculousness of the post and laugh at him and he could jump up and say, "Aha! Ishmael posted this in another thread!" and everyone would laugh and point and LZT would be King of the World.

Is that pretty much how it was supposed to work.

Because I'm confused about how that was supposed to happen wiht LT picking something Ishmael said that WAS FUCKING TRUE!!

 

[MWG]

Re: Re: Re: Re: To all you Americans who don't own a home

Yup, that's the reason he started the thread. The only problem with that MWG is that he ended up getting his own thread shoved up his ass, as usual.

But he'll claim victory. He always does.

Ishmael

Childish and wrong as it may be, it doesn't matter HOW good of a point he has about anything. He's annoyed almost the entire GB population of Lit. If he retreated to the Playground, he could start all over with a fresh crowd, perhaps.

He won't believe me when I tell him that hardly anyone likes him. Or, at least nobody who will have anything to do with his threads. He panders to the political/social masses, rather than the fluff posters. He's admitted this himself.

Yet, the only people who can stand him are the fluff posters. They like everyone.

Sounds like a pretty base, shallow thing to say? Most likely. But I'll be a monkey's uncle if it's not true. No one with any brains or any desire to have a serious, non-fluff discussion can stand him. And they never will. It's like Frimost; it doesn't matter what he posts. He's useful around here because he's a whipping boy. That's it.

 

[bra_man69]

dam life got to suck if no one on the internet likes you

 

[Le Jacquelope]

Re: Re: To all you Americans who don't own a home

Sorry, totally owned.

Do you own a home? If not, why?

Edited: ok that wasn't a wisecrack... how much did your bank say you *needed* to put down and pay per month? I don't mean what you opted to put down and pay per month, I'm asking what the base requirements were. Second of all, would you want to undertake the purchase of a home while working in an industry that's hard hit by foreign outsourcing and layoffs, fully aware that your own company may or may not go under?

 

[MWG]

dam life got to suck if no one on the internet likes you

Well, that's the point. Everyone gets all up in arms, saying, "Oh, it's just the Internet, I don't care if anyone likes me", and so on.

But really, it's EASIER for people to like you, or like the person you PROJECT (which may not be the person you really are), on the Internet - there are lots of smaller details that you can conceal in this medium, and you can probably Google any subject and find enough info about something to make it look like you know a thing or two. So, what might it say about someone who acts like a reasonable person (as opposed to a troll like Hanns) yet just can't stop shoving his feet in his mouth? He's not a troll; his opinions are just always ill-informed, and he can't argue his points effectively without eventually just crowning himself the victor because he thinks that we simply "don't understand", as if his reasoning is beyond the comprehension of we "laymen."

Ish is a WORLD more intelligent than RunningTongue. As is JazzManJim. They're more intelligent than *I* am, I'll admit. If not more intelligent, then they definitely have better understanding on a few subjects on which I'm not that knowledgable. I will admit this; LT never will. He THINKS he's a MASTER of all trades when he's barely even a jack.

And after awhile, it's useless to do anything besides push his buttons and watch him foam at the mouth. He's basically gained nothing more than comic value here. When your only vocal allies are either purely fluff posters, or other idiots who no one else can stand, you know you're in a bad spot.

I know it's a message board; obviously, however, he's got enough pride invested in it to where he simply won't leave, even though no one is receptive to his points of view. If you asked him, I'm sure his response would be some tripe like, "I'm not letting anyone run me off!" So, basically, he admits that his pissing contest with these "insignificant people" IS significant, if he would allow his pride to hinge on it so much.

 

[bra_man69]

some people have no fucking life other then this

 

[JazzManJim]

Re: Re: Re: To all you Americans who don't own a home

... how much did your bank say you *needed* to put down and pay per month? I don't mean what you opted to put down and pay per month, I'm asking what the base requirements were. Second of all, would you want to undertake the purchase of a home while working in an industry that's hard hit by foreign outsourcing and layoffs, fully aware that your own company may or may not go under?

<sighs>

Okay, this is probably really, really, really pointless, but let me make a few points here.

The bank is not the only place to finance a home purchase. In fact, a bank is the worst option for most people because their interest rates tend to be higher and they have far less flexibility. A mortgage company - any of them - are far more flexible in their arrangements than any bank.

Whether or not he would want to buy a house is a separate question form whether he *could*. Could you buy a 100K house with 10K down, even if your job was in a turbulent industry? Yes, you could. whether it would be a wise decision to do so, or whether you would be able to easily keep that house, are different questions than the one you're asking.

However, the country is chocked full of people who bought houses and who were not assured ot having a job tomorrow (well, everyone who bought a house prior to....say...1960? 1970?). Guaranteed job security is arelatively new demand our greedy-grabber citizens have put on the government. Our parents and grandparents managed to purchase houses pretty well without such guarantees. They may not all have had an easy way of it, but I suppose that all comes down to just how badly you want to buy a house.

 

[Le Jacquelope]

some people have no fucking life other then this

You mean Ishmael who tries over and over again to save face, only to dig himself such a deep hole that now I can use his own words unedited as ammo?

He spends an endless amount of time trying to defend his ideology as compensation for the beating it takes at the ballot box.

 

[Sailbad the Sinner]

Re: Re: Re: Re: Re: To all you Americans who don't own a home

Childish and wrong as it may be, it doesn't matter HOW good of a point he has about anything. He's annoyed almost the entire GB population of Lit. If he retreated to the Playground, he could start all over with a fresh crowd, perhaps.

He won't believe me when I tell him that hardly anyone likes him. Or, at least nobody who will have anything to do with his threads. He panders to the political/social masses, rather than the fluff posters. He's admitted this himself.

Yet, the only people who can stand him are the fluff posters. They like everyone.

Sounds like a pretty base, shallow thing to say? Most likely. But I'll be a monkey's uncle if it's not true. No one with any brains or any desire to have a serious, non-fluff discussion can stand him. And

And I think you are one personified...

I've had a couple of boinks with Ish. Fluff him? fluff you. If you've ever read any of my posts, I don't kiss any ones ass. Avi's, pics excluded.

 

[bra_man69]

some people are proof that there should be iq test befor you can have kids

 

[unregistered]

 

[bra_man69]

i own a cave to poor to own a house there does that fix the fucking thread

 

[Le Jacquelope]

Re: Re: Re: Re: To all you Americans who don't own a home

The bank is not the only place to finance a home purchase. In fact, a bank is the worst option for most people because their interest rates tend to be higher and they have far less flexibility. A mortgage company - any of them - are far more flexible in their arrangements than any bank.

That's true.. I was using banks as a generic term.

Whether or not he would want to buy a house is a separate question form whether he *could*. Could you buy a 100K house with 10K down, even if your job was in a turbulent industry? Yes, you could. whether it would be a wise decision to do so, or whether you would be able to easily keep that house, are different questions than the one you're asking.

If I go out tomorrow and attempt your great credit/10% down/30% of income theory and it doesn't work out I'm sure you'll have a new theory for me.

However, the country is chocked full of people who bought houses and who were not assured ot having a job tomorrow (well, everyone who bought a house prior to....say...1960? 1970?).

It's also chocked full of people who can't afford to get property, much less keep it.

Why is that?

Guaranteed job security is arelatively new demand our greedy-grabber citizens have put on the government.[/b

Ah hah. Greedy grabber citizens.
Once again you fall into the trap of "the rest of America is stupid and JazzManJim is smart."

I find that deliciously ironic in light of how you accuse me of doing it here.

Lack of job security contributes not only to loss of property due to foreclosures, but also a lot of crime. Crime rises alongside poverty. You know that, right?

Our parents and grandparents managed to purchase houses pretty well without such guarantees. They may not all have had an easy way of it, but I suppose that all comes down to just how badly you want to buy a house.

Who's "our"?
There are and always have been plenty of homeless and renters alongside the landed gentry.

I want to buy a house pretty badly. But I know it takes a lot more than 10/30 to even get started. So do way too many other prospective buyers out there who dream of having a home of their own.

 

[Le Jacquelope]

Re: Re: Re: Re: Re: Re: To all you Americans who don't own a home

Childish and wrong as it may be, it doesn't matter HOW good of a point he has about anything. He's annoyed almost the entire GB population of Lit. If he retreated to the Playground, he could start all over with a fresh crowd, perhaps.

He won't believe me when I tell him that hardly anyone likes him. Or, at least nobody who will have anything to do with his threads. He panders to the political/social masses, rather than the fluff posters. He's admitted this himself.

Yet, the only people who can stand him are the fluff posters. They like everyone.

Sounds like a pretty base, shallow thing to say? Most likely. But I'll be a monkey's uncle if it's not true. No one with any brains or any desire to have a serious, non-fluff discussion can stand him. And

And I think you are one personified...

I've had a couple of boinks with Ish. Fluff him? fluff you. If you've ever read any of my posts, I don't kiss any ones ass. Avi's, pics excluded.

LOL. She just said the fluff posters of the PG don't have any brains.

And I WAS right after all. Her posts are long winded rants about me and not the issue at hand.

I can predict MWG without even being able to read her posts.

 

[MWG]

Re: Re: Re: Re: Re: Re: To all you Americans who don't own a home

And I think you are one personified...

I've had a couple of boinks with Ish. Fluff him? fluff you. If you've ever read any of my posts, I don't kiss any ones ass. Avi's, pics excluded.

Firstly, learn the code and try to quote properly. It's hard to tell where your point is supposed to begin if it's running into my post.

I am one what personified? Your context was lost because you screwed up the quote formatting.

Lastly, I don't know where you're getting this implication that I kiss ass. Ish and I disagree about MOST things; you COULD say that we don't really get on. I am able, however, to admit that he's more knowledgable on a good deal of things than I am. However, people like LT have a hard time differentiating between conceding on a point contradictory to their own (or contradictory to what makes THEM look superior), and "kissing ass", as you so eloquently put it. THAT'S why he has this terminal inability to admit when he's wrong, or AT LEAST when someone else has a good point to consider.

So you're saying you can stand LT? Good; here's your medal. Wear it proudly.

 

[LovetoGiveRoses]

Re: Re: Re: To all you Americans who don't own a home

Do you own a home? If not, why?

Edited: ok that wasn't a wisecrack... how much did your bank say you *needed* to put down and pay per month? I don't mean what you opted to put down and pay per month, I'm asking what the base requirements were. Second of all, would you want to undertake the purchase of a home while working in an industry that's hard hit by foreign outsourcing and layoffs, fully aware that your own company may or may not go under?

Yes. LOL...put down 25%, but total equity is now over 50% (4 years). Gotta love real estate. 25% of base for payments.

Yes, you can usually find new jobs if you have some expertise that's valuable.

 

[Calamity Jane]

I don't like living out in the fraggin' sticks. Worse than the rattlers is the long drive that law enforcement has to reach you if the two legged snakes get on your property.

Not to mention the evil of all things natural.

 

[bra_man69]

shot gun works good

 

[Guest]

 

[Le Jacquelope]

Re: Re: Re: Re: To all you Americans who don't own a home

Yes. LOL...put down 25%, but total equity is now over 50% (4 years). Gotta love real estate. 25% of base for payments.

Yes, you can usually find new jobs if you have some expertise that's valuable.

Easier said than done for the large segment of Americans who are now unemployed.

BTW how easy do you think it is to come up with $10K (er, $25K) to make that down payment?

How many people do you think do not have that kind of cash money lying around? Why don't they?

(Ok I don't expect anyone to actually answer that little question.....BUT....)

 

[sigh]

LT, what's your point? Sure, some folks can't afford a house. Others choose not to buy one for a whole variety of reasons, but what are you suggesting we do about it? Do you want to tag houses onto the Medicare prescription bill or what?

Do you have a solution or are you just feeling cranky?

I'll admit that the housing market seems a bit obscene at times, and the prices are going through the roof, but they wouldn't be unless there were shitloads of people out there who CAN afford them and choose to buy them. In terms of the economy, that seems to reflect a positive rather than a negative.

 

[Le Jacquelope]

LT, what's your point? Sure, some folks can't afford a house. Others choose not to buy one for a whole variety of reasons, but what are you suggesting we do about it? Do you want to tag houses onto the Medicare prescription bill or what?

Do you have a solution or are you just feeling cranky?

I'll admit that the housing market seems a bit obscene at times, and the prices are going through the roof, but they wouldn't be unless there were shitloads of people out there who CAN afford them and choose to buy them. In terms of the economy, that seems to reflect a positive rather than a negative.

I'm pointing out the utter absurdity of a remark made by Miles and Ishmael in another thread.

They hung themselves royally when they insinuated that only an idiot and a financial moron could not manage to own a home.

In fact, to drive the point home in the most mean spirited way, I cut and pasted their own words and used it instead of throwing my own "spin" into it.

The point? There are as many Americans who do not own land as do, and that's because they don't have, among many other things, that 10% (er, now 25%) down payment money laying around. In other words, I'm exploiting Ishmael and Miles' inability to admit they're wrong.

 

[Pookie]

I'm pointing out the utter absurdity of a remark made by Miles and Ishmael in another thread.

They hung themselves royally when they insinuated that only an idiot and a financial moron could not manage to own a home.

Funny. All I saw them say was that you were a moron. *shrugs*

 

[kobalt.9]

I'm pointing out the utter absurdity of a remark made by Miles and Ishmael in another thread.

Then why didn't you address the absurdity of their statements in that other thread? Why start an entirely new thread n which people coming to it have no idea what the subtext of your thread actually is?

Are you being passive aggressive again?