1. http://www.foxnews.com/story/0,2933,55497,00.html


    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 required). But for others, they don't need to do any of those things?

    So..for some people, they get a government hand-out. Others apparently, like us, have to join the military.
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  3. by   KC CHICK
    My husband and myself haven't been in the military...nor do we qualify for a "hand out". It would be nice to not have to work so hard for what we have.

    Sometimes I think.....what's the point???! Why work? I'm only supporting those who have loads of excuses for not carrying their own weight. If I didn't work I could get all my taxes returned to me, an earned income credit, throw 4-6 kids into the mix and I wouldn't have to pay for a dang-blang thing!

    Uggggghh. If people keep getting freebies...what's going to motivate their couch potato behinds to support themselves?
    I have a question for Mr Bush...."sure, you can give people downpayments for their homes. Who's gonna make the monthly payment if the new 'homeowner' can't fork it out??"
    The American Taxpayer?? Sure, why not?...we gave the downpayment.

    I'm with you Susy.
    Last edit by KC CHICK on Jun 17, '02
  4. by   eltrip
    Ya know, I can handle folks being helped by Habitat for Humanity. It's not a handout, it's a hand up. But a gov't program. Law, ya'll, how's that going to help? They probably won't even require half of what Habitat does!

    I, too, have worked hard to own a home. My mortgage company provided assistance, and I paid for the assistance. Quid pro quo. No free lunches!

    Anything that the gov't gets its hands on it invariably messes up, IMO.

    And so it goes,
    Last edit by eltrip on Jun 17, '02
  5. by   Sleepyeyes
    Habitat for Humanity is not a government hand-out. Some info below is copied from their fact sheet:


    What is Habitat for Humanity International?

    Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry. HFHI seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action.

    Habitat invites people of all backgrounds, races and religions to build houses together in partnership with families in need.

    Habitat has built more than 100,000 houses around the world, providing more than 500,000 people in more than 2,000 communities with safe, decent, affordable shelter. HFHI was founded in 1976 by Millard Fuller along with his wife Linda.

    How does it work?

    Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates simple, decent houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families at no profit, financed with affordable, no-interest loans. The homeowners' monthly mortgage payments are used to build still more Habitat houses.

    Habitat is not a giveaway program. In addition to a down payment and the monthly mortage payments, homeowners invest hundreds of hours of their own labor -- sweat equity -- into building their Habitat house and the houses of others.

    What does a Habitat house cost?

    Throughout the world, the cost of houses varies from as little as $800 in some developing countries to an average of $46,600 in the United States.

    Habitat houses are affordable for low-income families because there is no profit included in the sale price and no interest charged on the mortgage. Mortgage length varies from seven to 30 years.

    What are Habitat affiliates?
    Habitat for Humanity's work is accomplished at the community level by affiliates -- independent, locally run, nonprofit organizations. Each affiliate coordinates all aspects of Habitat home building in its local area -- fund raising, building site selection, partner family selection and support, house construction and mortgage servicing.
    Habitat for Humanity International's headquarters, located in Americus, Ga., USA, provides information, training and a variety of other support services to Habitat affiliates worldwide.
    All Habitat affiliates are asked to "tithe" -- to give 10 percent of their contributions to fund house-building work in other nations. Tithing provides much-needed funds for international building, and it also gives affiliates the opportunity to demonstrate the spirit of Christian partnership. In 2001, U.S. affiliates tithed $9.04 million to support Habitat's work overseas. Some affiliates in developing countries also receive funding grants from Habitat for Humanity International.

    Where does Habitat for Humanity operate?

    Habitat is a worldwide, grass-roots movement. There are more than 1,900 active affiliates in 83 countries, including all 50 states of the United States, the District of Columbia, Guam and Puerto Rico. Use our affiliate search to find Habitat affiliates in your area.

    See our Habitat Affiliates Worldwide section for information on each country in which Habitat is at work, including progress reports, project descriptions and affordable housing needs.

    How are the partner families selected?

    Families in need of decent shelter apply to local Habitat affiliates. The affiliate's family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the no-interest loan. Every affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families who receive Habitat houses.

    If your family, or a family you know, is in need of decent, affordable housing, contact the Habitat affiliate nearest you. If you're not sure where a local Habitat affiliate might be, use our search engine to find the names and phone numbers of affiliates in your area, or contact the Habitat help line at (800)422-4828, ext. 2551 or 2552. Your local affiliate can give you information on the availability, size, costs and sweat-equity requirements for Habitat houses in your area, as well as information on the application process.

    How are donations distributed and used?

    Donations, whether to a local Habitat affiliate or to HFHI, are used as designated by the donor. Gifts received by HFHI that are designated to a specific affiliate or building project are forwarded to that affiliate or project. Undesignated gifts are used where most needed and for administrative expenses. HFHI's most recent audited financial statement is available online.

    Who controls and manages Habitat for Humanity International?

    An ecumenical, international board of directors determines policy and oversees and guides the mission of Habitat for Humanity International. Board members are dedicated volunteers who are deeply concerned about the problems of poverty housing around the world.

    The HFHI headquarters office operates with an administrative staff, assisted by a core group of professional and support employees and supplemented by long-term and short-term volunteers. Each Habitat for Humanity affiliate is managed by its own local volunteer board.

    How does Habitat work with the government?

    Habitat for Humanity International is not a government agency, nor does it accept government funds for the construction of houses. However, Habitat considers all levels of government and governmental agencies important partners in its mission to eliminate poverty housing. We encourage governments to do what they can to help alleviate the suffering of all those who have no decent, adequate place to live.

    Habitat for Humanity welcomes partnerships with governments to help "set the stage" for the construction of houses. Stage-setting funding and gifts might include land, houses for rehabilitation, infrastructure for streets, utilities and administrative expenses.
  6. by   shay
    Geez.....is Clinton still in office????????????? When crap like this gets passed, sometimes I wonder.........

    Well, Susy, didn't you know, you're not one of the 'precious protected class?' You're an evil 'rich' white woman who's never had to work a day in your life (cough, sputter) and has had everything handed to you on a silver platter!! Didn't you know that all the 'evil rich' have come upon their financial success through mere luck of the draw? As 'Puff' Daschle states, you've 'won life's lottery.' YOUR WEALTH MUST BE DISTRIBUTED!!
    That money you earn isn't YOURS, it belongs to the gov't and all of their little social programs!! Come on!! Get with the times, woman!!!

    I hear ya, Susy. Believe me. It's the battle cry of the Dumbocrat: class warfare. And our I-thought-he-was-republican president is just bending over and taking it. Makes you feel all warm and fuzzy all over, doesn't it?

    Is it November yet???
  7. by   nursejws
    My hubby and I were talking about something similar to this yesterday. It's one thing to ask for temporary assistance from the gov't, but for the gov't(taxpayers) to foot the bill because so -n- so is too lazy to get a job and make their own way infuriates me. He we are, good people trying to do the right thing, working hard for what we want, trying to earn our way...yet somehow punished for trying to do the right thing. Last year we had to pay in on our taxes because we made "too much" money.

    Most days I wish I were 3 again.
  8. by   Q.

    I think we all realize Habitat for Humanity isn't a hand-out, and I would suppor that (and have)

    but I am against taking my tax dollars to pay for someone's down payment, while my husband had to give 9 years to the military to get his. ie he had to WORK.

    Meanwhile, a friend of mine lives in an apartment and makes about 50K, and now HIS tax dollars will be supporting someone who makes less than him, or has poor credit, getting a home though he himself can't afford one.

    I am disgusted.
  9. by   LasVegasRN
    All I can say is I have volunteered for Habitat for Humanity, seen the poverty and am all too aware of the mentality of the impoverished. It doesn't get there by itself, and they don't get impoverished by themselves. I'm glad there are some people out there with a heart.
  10. by   Q.
    Nobody gave a rip when my mother, sister and I were evicted from our home and had no place to go. I wonder why?
  11. by   Sleepyeyes
    Nobody gave a rip when my mother, sister and I were evicted from our home and had no place to go. I wonder why?

    Precisely what got Habitat started. The theme is that no one should be without affordable housing. These aren't dream homes; they're affordable homes. Statistically, home ownership brings crime down in the cities, and offers children (the majority of our poverty-stricken population in the US is children) some stability, which is why I'm for it.

    Also, the realization that many single-parent families could never afford a down-payment. I dunno; maybe I'm wrong. Just a different point of view, not meant to criticize yours.
  12. by   Jenny P
    Susy K, my guess is that your Mom was too proud to ask for help. I know that is what happened in my family in the past. And probably what would happen in my family today also. My grandparents were wealthy and lost everything in the depression, but didn't ask for help because of their stubborn Irish pride. My Hubby and I have lived on just our garden produce when we had no income for over a month because we did not want to ask for help. We did not want to be "on the dole" (as our elders used to call it).

    At the same time, there are people who want to buy a house but are unable to save the money for a down payment because of slum landlords who charge way too much for poor quality housing because the family may have more than 2 kids. And who are the majority of families with more than 2 kids these days? Usually not the white, middle class people you know. My church has an "adoption" program where we befriend immigrant families in an inner city area and try to help them cope with learning about our American society. If you could have seen the families that we worked with and the housing that they were forced to live in, I think it would be an eye opener for most of us. The price gouging in their local grocery stores for even something as simple as a gallon of milk was frightening; and when we'd take them to another grocery store in a better area, they were very careful about how they spent their money! Our families were Hmong families with 6 to 8 kids; they were great people to know!

    Or right here in my neighborhood: we had a property that the City took over and is in the process of developing for middle income and low income families-- there is supposed to be something like 45 townhomes in this development. Well, it started out with a group of home of 1,100 square feet at about $100,000 per unit. However, these are now going to be offered for $175,000 for the smallest units! Who can afford them? Not a low income family; and probably not a middle income family either! That is what my 14,00 square foot 3 bedroom rambler on a large lot is worth according to the tax records right now!

    I really do believe that home ownership will clean up the inner cities and get rid of drug dealers, etc. There is something about homeownership that makes people take an interest and have pride in their neighborhoods. There is an area that I pass through on my way to work (at night) that Habitat for Humanity has worked on houses in, and it no longer feels as bad as it once did-- the streets are cleaner, the drug dealers and prostitutes are gone; and there is a sense of it being a neighborhood again. I do not begrudge the $$$ spent in that area one bit because the whole City has benefitted from this.
    Last edit by Jenny P on Jun 17, '02
  13. by   shay
    I would and have willingly support any charity organization that is NOT gov't funded, i.e., charter schools, faith-based private assistance funds/organizations, 'adopting' needy families through a church like Jenny P's, etc.. What I do NOT want to support is any gov't funded hand out that not only perpetuates the cycle by not creating any sysytem for showing accountability or improvement, but also seems to scream for MORE MONEY every darned year despite the failure of most programs.

    Just because I don't appreciate the government forcing their hands into my wallet doesn't mean I 'don't have a heart.' Being a 'good person' doesn't mean I have to lie down and take whatever the government dishes out, even if I fundamentally disagree with it.

    I would much rather put my money and time (VOLUNTARILY) into an organization that was private and could prove it produced REAL RESULTS. Unfortunately, after the gov't seizes most of my income, there isn't a lot left to give to these worthy organizations.

    And one more thing, since when did OWNING a home become a basic 'right?'
  14. by   fergus51
    My problem with such a program is that is seems to be only race based. If the goal is to increase home ownership among folks with low incomes I wouldn't mind as much, but race alone is not a good deciding factor to me.

    Bush is still a Republican, don't worry. 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.