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Old 10-07-2011, 11:56 AM   #11
JustJo
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Quote:
Originally Posted by theoddz View Post

I've had this discussion many times, over the years, with folks who have all sorts of different viewpoints. My conclusion is this......none of us have a right to judge others' choices. We're all doing the best we can, with what we have, with what we have to do it with, at the time we have to do it.

My .02

~Theo~
I totally hear you Theo; I really do. But isn't there a difference between judging someone's choices and paying for them?

Case in point....the family who owned this house before us.

They bought it 9 years ago, refinanced it five times, took the money and bought boats, 4 wheelers, fishing gear, an RV, cars, etc.

By the time they left, after not making a single mortgage payment in over a year, they owed 3 times what the house could sell for. The bank took the hit...sold it...and now I'm paying that smaller mortgage.

Honestly...their choices. I wouldn't make them. I prefer to keep my living expenses reasonable enough that I could pay them on a bartenders salary because, as you say....we can all be there, or have been there. I've been there. I dug myself into financial holes that took me years to dig out of and cost me dearly. I (mostly) learned my lesson.

So....they can refinance their house, bet on "pie in the sky" real estate speculation, and buy a mountain of toys that I couldn't afford even with the job I have now. When they left, they took the toys. They also stole the solar pool heaters off the roof, but that's another issue. They walked out on about $200,000 in debt....and we are all paying it off for them....while they still have their toys.

That just bothers me, and I don't think it's right.

To Linus' (and others) point...I have no idea how many people in foreclosure were like the previous owners here, and how many got caught in a bad situation they couldn't help....losing a job, health problems, etc. I don't think we should ignore the difference though. No, it's not easy to figure out who deserves help and who doesn't....but dang....I work hard and I can't afford a boat...yet the previous owners of this house still have one, while we all pay the higher fees and interest that the bank will be charging for years to make back that $200,000.
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