ParsonJefferson
just LOVES the flagrantly biased moderating here
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No sir you didn't. Lest to say at 10 an hour, they will be probably renting and it is not by any means the livable income as it has been portrayed here.Did I say that I am making $10 per hour? I don't believe so.
I said I just bought two houses recently. In other words, I can tell you how the mortgage approval process works. On a principle residence, it has everything to do with your income, your debt-to-asset ratio, and your credit scores. In other words, if you're making $10 per hour and are paying $350 per month for a truck, you're NOT getting a mortgage loan to buy a $150,000 house. And you SHOULDN'T be able to get one!
But guess what? Low-priced fixer-upper homes can be bought anywhere. You just have to be smart about it, and be willing to work hard. All but one of the houses my wife & I have bought have been big-time fixer-uppers. That's one of the reasons we've been able to raise 3 kids on the incomes we've had!
Please point to any excuse I made for anyone and quit you know what again.It's called DOING WHAT IS NECESSARY - and I know it's not popular with today's spoiled little babies who are used to getting everything handed to them on a silver platter.
15 years ago I was working 60 hours per week as well as doing graduate school. I was also married with 3 kids. Was it easy? No. Is it possible? Absolutely! I'm nothing special - so if I can do it, why can't other people?
I think you need to stop making so many excuses for people, and admit that we can do just about anything if we're willing to.
So exactly what year was that PJ cause I get the feeling it wasn't anytime recent.Wrong.
My wife & I bought our first house when I was making LESS THAN $10 per hour. And I was married and had two children at the time.
In addition, that was back in the day when the typical mortgage loan percentage rate was about 11.5.
It can be done, but not if you think you deserve to buy a $350,000 home.
Tell me, JoyJuice, how many homes have you owned?
Errr....I am assuming a best case senario of a single person, and what real time itemized deductions can one really gain with an income 10 bucks an hour? Home ownership, well guess what; that was the subprime fiasco and no not the red herring of $300+ houses.Once again, you are wrong.
And now you're being dishonest. You're trying to make it look like AGI is Gross Income, when indeed it is Gross Income MINUS the Standard (or itemized) Deduction and Dependent Deductions.
TOTALLY different things!
That wouldn't work either. Different people, different situations.Yeah, you're probably right.
I think the United States Government should make it law that everybody in America makes $100,000 per year. No exceptions.
Obviously the risk difference in a primary and investment resident, different rates, different down payment requirements. there's the way rental income is partially considered within the loan. closing costs? I have never had to pay them....never. I go through a family member who runs the Mortgage branch for my loans. My whole family does. And when I say fourth, my fourth aquisition as in now one primary and one rental.Fourth, with one rental?
Here's a little test: How are the mortgage qualifications different for primary residence & investment property? And what are the differences in closing costs?
Now PJ, I never said they couldn't survive on that in fact from post 14 I said, "One can live on that, but people living under bridges live on something too."You're not assuming a "best case scenario". You're trying to make it look like AGI & Gross are identical - and they're not. And you'll noticed I included "itemized" as a parenthetical addition, because it's assumed that a person making $10 per hour would take the Standard Deduction.
By the way, can you tell me what the Standard Deduction - for a family - was for 2007? And do so without Googling it?
What you're really trying to do is PROVE that a person CANNOT survive on $10 per hour. The problem is that a person CAN survive on that - especially if that person is single & doesn't have kids.
what......Gotcha. So you really have no clue.
But you don't hesitate to say that somebody making $10 per hour absolutely cannot buy a house.
Interesting...
FREAKIN'..... AWESOME.... POST.Let's put it simply.
Leftists talk about equality in terms of wealth redistribution: apparently man is not equal with another if he doesn't receive a portion of his money. Forget the fact that you made poor choices like dropping out of high school or having kids before being economically prepared... You deserve someone else's money.
In my opinion: if you decided dropping out of school was a good idea and if you were then shocked that your employment options were limited, you probably shouldn't be getting a boost up from me just so you can then squander that opportunity again.
And how could you be so inconsiderate to your kids, your own kids, that you do not even prepare for them coming into this world? And now you want our money? I will grudgingly hand over money to any kid that needs a future but frankly, I do not want you getting a schilling from me.
Let's put it simply: I know working class kids who graduated high school and are making decent livings. By decent I mean 'enough money to have a car, an apartment, entertainment, etc.' They are even WHITE and do not get special opportunities for college or employment... How come they can do it but some of you can't?
It doesn't make sense that I could leave the Army today and go and get a job for $10 an hour with almost no training and just my postiive attitude and a high school degree. I know because I know people who have done it.
How come you can't?
I do care about equality...
The equality that I care about is the right to be viewed as an equal before the law and to have the same rights I do.
What about this crazy idea: People rise and fall by their own actions.
The government gives you school; the government gives health care to the most underprivileged; the government even gives no interest loans in certain circumstances. The government lets you speak your mind, lets you vote, lets you assemble, lets you have privacy and guns and your own property... What more does a man need?
I also do not care about the average working person anymore than I care about the average rich person or poor person or anything.
Sometimes people forget that we cannot all be millionaires. They also forget that not all of us want to be millionaires.
I have chosen not to be a doctor or a lawyer or some intrepid businessman, just like most of us here. We all have the option of working hard for our dreams but... Do we have a right to have our dreams handed to us on a platter?
I've always wanted to be some inspiring novelist or artist or rather just some guy that intellectuals can "Ooh!" and "Aww!" at. But I sort of realized a long time ago: Novels do not write themselves nor does brilliance shoot out of your fingertips when you pick up a brush.
I do not think it is going to happen, either, if the government suddenly throws money at you.
Happiness is a simple thing -- it is amazing how your big dreams become so small after you find some good friends, an OK job, a really good Beer and some good music... Everythign just seems so important in the face of God's gifts that the notion of being 'rich' seems irrelevant.
I'll spend my evenings and weekends relaxing, thank you very much, I have no desire to climb a corporate ladder or spend 7 years in college and 3 years in residencies.
Happiness is finding a job that isn't miserable and a few beers on a Tuesday night in front of your TV or a raucous post on Christian Forums...
If you were expecting more out of life you should probably just look at yourself and not the government for the answer.
And if you expected more than McDonalds when you dropped out of high school I doubt any amount of money will save you from the stupid path you have chosen.
Poor people in America have TVs and cars. Heck, middle class people in Korea sometimes do not even have cars -- we live like Kings and then complain. There are people who spend 6 days a week working 12 hour days so they can afford a modest apartment and $2 bottles of soju on Saturday night... But it is too much for some Americans to work for $10 an hour 12 hours a day, five days a week.
I don't think I have ever worked a 9 to 5 job. The Army is more of a "5 to 5" job. But whatever. It's simple stuff and you get money.
The Government should not babysit us and hand us everything that we want lest we become lazy and keep empowering the government to seize our property and redistribute it. The last thign we need is a government who thinks they know what is best for a country made up of people of every race, every religion, every lifestyle. France's 500+ cheese do not have anything on us.
One thing really separates a lot of Republicans from Democrats and that is Faith;;; both Faith in God, but more importantly: Faith in Man and in Themselves.
We go to Church and have jobs and we know that we do not need a lot more... So why should the government give it to us?
It is ironic that often times the working class and rural areas vote for Republicans but it really is quite simple... The guys who have jobs do not need your government handouts, so we do not vote for them
Sorry Obama, Sorry Ted Kennedy, sorry John Stewart -- we don't need you to have better lives... In fact, we'd be better off without you telling us we need you.
You are not heroes.
We are more heroes than you. We don't depend on convincing people they need us. We are not convincing people they are worthless without us.
You're selling us broken dreams -- we already have our own dreams without you. We don't need your hope and change because we have our own. You're not heroes. You're not great. You're trying to turn us into parasites as you are the used car salesmen of our wills trying to sell us a handout at the price of our dignity and our vote.
We work and get paid. You convince us that isn't good enough. And then you get the people who do not work (Hollywood) to try to convince us we need you even more. That's pretty ridciulous.
We don't need you. We can do it ourselves. Enough said.
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