Why???? - page 2

Why?? Why is it that for my husband and I to own a home, we had to pay for college, get a job, and subsequently, my husband was in the Army for 9 years which allowed us a VA loan (no down payment... Read More

  1. by   Furball
    We have never been wealthy. We scraped for 15 years to finally get together a decent amount to cover down payment and closing costs on our first home at age.....40. We even have a little left over for new furniture. (some) >sigh<

    We've planned to prepay a bit each month in order to "catch up" and pay the darn thing off in 15 yrs rather than 30. (I'd be 70 if I didnt)
  2. by   shay
    Originally posted by fergus51
    Who do you think will benefit from the $2.4 billion in tax credits to encourage developers to build single-family homes in distressed areas? Also, "the White House estimates that the tax incentive could result in construction of 200,000 lower-cost homes". That construction boom will mean a boom to the building companies, not just the future minority home owners.
    Yeah, all that's nice and rosy, but I still don't want to pay for it. I'm sorry, but my hubby and I p-i-n-c-h-e-d pennies and delayed having children (gasp! what a concept!) in order to be able to afford a home. Home OWNERSHIP isn't a right, it's a privelege, for those who WORK for it and earn it. Government should have no hand in it, IMO.
  3. by   mattsmom81
    I'm struggling to understand why Bush is backing this. I'm HOPING his idea is to stimulate these low income welfare types to have some pride...pride in ownership that will transfer to their lives and to better society.

    I can hope, can't I? LOL! Some of the things Bush has been coming out with sound a lot less conservative than what I thought he was....but then again...he DOES want to win re-election and has to get some more voters on his side.
  4. by   fergus51
    Originally posted by shay


    Yeah, all that's nice and rosy, but I still don't want to pay for it. I'm sorry, but my hubby and I p-i-n-c-h-e-d pennies and delayed having children (gasp! what a concept!) in order to be able to afford a home. Home OWNERSHIP isn't a right, it's a privelege, for those who WORK for it and earn it. Government should have no hand in it, IMO.
    I am with you completely shay, I was just pointing out that George W is in fact still a republican. Do you think he would just give money to the poor if businesses didn't stand to benefit? Not likely.
  5. by   shay
    Ay!! Fergus, dem's fightin' words!! LOL!! I'm gonna stomp you with my big ol' elephant foot!!
  6. by   fergus51
    Now, should I try to run on my donkey? LOL! Thatis the democrat mascott isn't it? It's been a while since I have been in the US! Sadly it seems fitting....
  7. by   nursejws
    Why do we keep helping people who do not want to help themselves? It doesn't seem to be a part of the solution, it's just feeding the problem. I think the only way people will take pride in, and appreciate, what they've got is if they earn it. IMHO
  8. by   live4today
    Originally posted by nursejws
    Why do we keep helping people who do not want to help themselves? It doesn't seem to be a part of the solution, it's just feeding the problem. I think the only way people will take pride in, and appreciate, what they've got is if they earn it. IMHO
    These are my exact thoughts, nursejws! In any walk of life, anything worth having is worth working for because when gifts are given, they are appreciated for a time, but one tends to lose sight of the gift, and begins to look the gift-horse in the mouth again as if they still owe them something MORE.

    I have lived in three homes during my life that I half owned (ex owned the other half). Our first home was purchased with our VA loan, the second and third homes were purchased on a Conventional loan as at that time, it was the best route to go to get the best interest and morgage rates. Each time we purchased a home, we upgraded our taste (bought a more expensive home...more space...more suburban).

    I am all for assisting those hardworking low income families with special buying plans that makes it less difficult for them to own their own home. I love what Habitat for Humanities does, and I would contribute millions of dollars in a heartbeat for such a service. Right on!

    I am NOT for spending money for those who DON'T want to work to have what they want to have. These individuals are VERY spoiled and ungrateful humans who think the world owes them something, and they owe no one anything. These are the ones that upset me so, so I can only pray mercy for them, and hope they come to realize how much of an effort they should begin to make to improve their own lot in life.
    Last edit by live4today on Jun 18, '02
  9. by   LasVegasRN
    Maybe you guys can help me to understand this - and without the political party & president bashing, please

    I can see where some would not approve of tax dollars being used to fund appropriations to low wage earners to buy homes. I pay taxes, and as a divorced/single Mom I cannot save enough on my own to buy a home. Yet, I would not qualify for this program. I can agree with the notion that private donations and charitable organizations like Habitat for Humanity would seem more advantageous in the case of poverty.

    Are you saying you just don't believe in any government assistance to help the lowest wage earners be able to have something that only high wage earners can get? Isn't that continuing the notion that homeownership is only for the elite class?

    I'm just trying to understand all sides of this...
  10. by   nursejws
    At the very LEAST these people taking advantage of this program could do is help build the home. Instead of it being given to them, they would have to put some of their own sweat, blood, and tears into getting their home instead of it being handed to them. The program should also get them some skills so they can get a job and support themselves and their family instead of living off of the tax payers. What happens if we don't pay our rent...we get evicted. Why should it be any different to these people. I think they should at least earn their keep.
  11. by   l.rae
    Originally posted by LasVegasRN
    Maybe you guys can help me to understand this - and without the political party & president bashing, please

    I can see where some would not approve of tax dollars being used to fund appropriations to low wage earners to buy homes. I pay taxes, and as a divorced/single Mom I cannot save enough on my own to buy a home. Yet, I would not qualify for this program. I can agree with the notion that private donations and charitable organizations like Habitat for Humanity would seem more advantageous in the case of poverty.

    Are you saying you just don't believe in any government assistance to help the lowest wage earners be able to have something that only high wage earners can get? Isn't that continuing the notion that homeownership is only for the elite class?

    I'm just trying to understand all sides of this...
    Hey Los Vegas!! The eternal debate..Right?? Anyway, it seems to me that the "deserving poor" almost never seem to get the help they need when government is involved...you know, single moms, people who have lost decent jobs...illness etc.....l work in the ER and and it seems 99% of the people who come in with their welfare cards...do not work...are dirty and their kids are dirty....have no manners...sport all kinds of expensive doo-dads..jewlrey, cell phones, shoes, handbags etc... don't seem to be able to afford birth control though, they demand this and that and expect to be catered to...you get the picture...it's not helping the poor l object to... it's the lazy poor...which may not be 99%..just seems that way....but is the majority of government handout recipients...I wish people like you qualified!!! but when the government gets involved, no matter how well intentioned....it seems the lazys benifit. l've known several people who have benifited from welfare benifits, both parents worked, the child was usually handicapped etc...no problem with this at all......we are not heartless or predjudiced...except against lazy people who seem to be the majority of benificiaries........LR
  12. by   Lausana
    I just see this becoming a problem...I'll have to do some more reading about it though, BUT, if these people get approved for home ownership, they will actually have to own the home, pay the payments, all the utilities, repairs, taxes, that is why many people cannot afford the great responsibility of home ownership, at least without a lot of saving. I don't know maybe that sounds to simple but I see this idea just going arry when people can't afford the place we gave them with our tax dollars-then what will we do for them.

    It makes me mad, their are families in the townhouse community I live in that I'd love to see own homes (heck, I'd like to own one too someday!) but I can picture a system using family that I unfortunately am related to that would somehow qualify instead. Uugghh.

    Got to think about this one.
  13. by   live4today
    Originally posted by LasVegasRN
    Maybe you guys can help me to understand this - and without the political party & president bashing, please

    I can see where some would not approve of tax dollars being used to fund appropriations to low wage earners to buy homes. I pay taxes, and as a divorced/single Mom I cannot save enough on my own to buy a home. Yet, I would not qualify for this program. I can agree with the notion that private donations and charitable organizations like Habitat for Humanity would seem more advantageous in the case of poverty.

    Are you saying you just don't believe in any government assistance to help the lowest wage earners be able to have something that only high wage earners can get? Isn't that continuing the notion that homeownership is only for the elite class?

    I'm just trying to understand all sides of this...
    LasVegasRN...you SHOULD MOST DEFINITELY qualify for assistance in the purchase of a home! It's the people who aren't working, have no intention of going to work, who keep having children to collect "easy government funds" so they can continue NOT having to work for what they want that should NOT be catered to in this way. You WORK...so you deserve assistance and a plan that is set up to lesson the difficulties involved in home buying for families who work very hard, yet still cannot afford a decent home. These people most definitely do deserve a helping hand.

    I, for one, am NOT opposed to the government assisting "the lowest wage earners" with home buying funds. The operative word here...and you said it so well...is "lowest wage EARNERS" which means these people you refer to are WORKING PEOPLE...which is a very good thing indeed!

    This is one of those "bleep vs. blop" subjects - IMHO. The "bleep" being the WAGE EARNER vs. the "blop" being the NONWAGE EARNER...looking a gift horse in the mouth for handouts. Does this help explain things better???

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