mrs.oroblanco
Silver Member
- Jan 2, 2008
- 4,356
- 427
- Detector(s) used
- Tesoro Lobo & Garrett Stinger
- Primary Interest:
- All Treasure Hunting
What it means is simple.
I quit a job - with a mortgage broker - simply because their tactics were immoral.
My job was to convince them that we could get them into a home that they could afford - cheaper than what they were paying for rent. I thought it was great, to be able to see folks - in their own homes - paying money every month towards their futures - investing in a home. Since, at the time, I was buying and selling real estate, it fit perfectly into my "career", so to speak.
Within a couple of months (the first month I was "in training", as to how to fill out paperwork, set up the appraisals and title searches, etc.), I started finding folks who wanted their own homes. And, within a month after that, I realized EXACTLY what was going on. Half fill out forms, and say "don't worry, we will just fill that in later, its just a repeat of page 17" is a great line, and, when you read the first 5 or 6 paragraphs, it IS exactly the same. But, then it changes. Then they add fees, they charge ridiculous amounts for appraisals, (to make it look like a normal 80/20 loan) and many, many - other things.
I guarantee - very - very - very few people read every single piece of mortgage papers that they have signed. 5 will get you 10 you haven't even read all the parts of your car insurance. So, they sign the papers, thinking that - hey, since I can afford my monthly rent, I can afford these payments. Then they end up with something that is a normal payment for, oh - 2 or 3 years, and, in some little print somewhere, if you are 1 day late with a payment (and I mean if its due on the 1st and it gets there on the 2nd), they get to raise your interest and turn it into an ARM. Of course, if the 1st is on a Sunday, and they post it on Monday, you are screwed. As many people have been. Their favorite tactic is to hold your payment check until it is a day late. It's a tactic that is practiced a lot. (much like banks actually like you to bounce checks - that's an extra 30 or 40 bucks for them.) The day I quit that job - there was a BIG arguement with "the boss", along with a call to the authorities. At least HE is not in business anymore - but, last I knew, we were still supporting him - 3 meals a day, a bed, and, hopefully, all the loving he can stand, compliments of the state. Oh - and he had plenty of loans with Freddie Mac and the other government folks, too.
Of course, I could say that THAT also goes back to education of sorts. We don't teach practical living to the kids anymore. Like how to balance a checkbook. (they used to do that).
No - they aren't forced - they are straight up lied to. It's not until AFTER, that all these charges start kicking in - and, by then, by golly, its too late.
Talking about public service - I, personally believe that ALL Americans should give at least a year to the United States. (preferrably 2), because nobody makes it on their own. It is everyone's taxes that pay for grades 1-12, its everybody's payments that make the water safe to drink, its everyone's money that gives you the roads you drive on - etc., etc. We all pay the taxes that gets all those things done. NOBODY, doesn't pay taxes.
But - check it for yourself - the politicians are talking about SS and Medicare and education when they are talking about "entitlements" - not welfare and food stamps.
Here is the government's definition of "entitlement"
A government program that guarantees and provides benefits to a particular group
If you look them up individually, you will see that Social Security, Medicare (Old Age Benefits), Veterans Compensation and Medical Services and Education, are all entitlement programs.
But, to bring it back around to how we got into this discussion - bottom line is that - depending on your status in life, you can use the "public" land - as long as you are using it for what some group thinks you should be using it for. And, dredging isn't one of them. Nor is mining (especially small scale), metal detecting, using your atv, and, if they have their way - horses - unless we pick up horse poop.
The time is coming when only the rich kids can afford to use the public lands. In the Mojave Desert - where you cannot even bring a motorized wheelchair - the rich get to race cars. In a place in Texas, where you cannot hunt, or drive , a vice-president can.
In Arizona, there are 1,000's of acres of public land that is being sold off into lots - to rich folks. On the east coast, the beach - which, does NOT belong to individuals, by law - are being sold off for Condo's - to rich people, and if there is any land left, they are selling that too.
In the West, they are also selling off land, and, they are making wilderness areas, and National Parks where our government folks are letting the likes of Sierra Club and Nature's conservancy draw the maps of withdrawals, and make the rules on who can use it and who cannot. Over 4 MILLION acres have been withdrawn in the course of 7 years - and more is coming.
But - the rich people - they keep their money - they pay much less percentage of their income than the middle class (and the arguement that they make the jobs is BS, since, they have been keeping their money up until now, and we still have 9% unemployment), they keep on scamming people (I'm assuming that its the stupid people's fault that they lost more than 1/2 their retirements, even though they have no control over it, at the same time Wall Street tycoons were making billions, and that its the people's fault that ponzi schemes were perpetuated, and that Wall Street brokers all over the place have been triple and quadruple billing and playing with people's pension funds, and use their funds to allow rich to buy short or sell short or buy options)?
Meantime, back at the homestead - we - or at least people like me - who are not rich, are not allowed to pursue MY hobby, or, at the very best, they are crowding us into ever smaller areas that we have access to.
Beth
I quit a job - with a mortgage broker - simply because their tactics were immoral.
My job was to convince them that we could get them into a home that they could afford - cheaper than what they were paying for rent. I thought it was great, to be able to see folks - in their own homes - paying money every month towards their futures - investing in a home. Since, at the time, I was buying and selling real estate, it fit perfectly into my "career", so to speak.
Within a couple of months (the first month I was "in training", as to how to fill out paperwork, set up the appraisals and title searches, etc.), I started finding folks who wanted their own homes. And, within a month after that, I realized EXACTLY what was going on. Half fill out forms, and say "don't worry, we will just fill that in later, its just a repeat of page 17" is a great line, and, when you read the first 5 or 6 paragraphs, it IS exactly the same. But, then it changes. Then they add fees, they charge ridiculous amounts for appraisals, (to make it look like a normal 80/20 loan) and many, many - other things.
I guarantee - very - very - very few people read every single piece of mortgage papers that they have signed. 5 will get you 10 you haven't even read all the parts of your car insurance. So, they sign the papers, thinking that - hey, since I can afford my monthly rent, I can afford these payments. Then they end up with something that is a normal payment for, oh - 2 or 3 years, and, in some little print somewhere, if you are 1 day late with a payment (and I mean if its due on the 1st and it gets there on the 2nd), they get to raise your interest and turn it into an ARM. Of course, if the 1st is on a Sunday, and they post it on Monday, you are screwed. As many people have been. Their favorite tactic is to hold your payment check until it is a day late. It's a tactic that is practiced a lot. (much like banks actually like you to bounce checks - that's an extra 30 or 40 bucks for them.) The day I quit that job - there was a BIG arguement with "the boss", along with a call to the authorities. At least HE is not in business anymore - but, last I knew, we were still supporting him - 3 meals a day, a bed, and, hopefully, all the loving he can stand, compliments of the state. Oh - and he had plenty of loans with Freddie Mac and the other government folks, too.
Of course, I could say that THAT also goes back to education of sorts. We don't teach practical living to the kids anymore. Like how to balance a checkbook. (they used to do that).
No - they aren't forced - they are straight up lied to. It's not until AFTER, that all these charges start kicking in - and, by then, by golly, its too late.
Talking about public service - I, personally believe that ALL Americans should give at least a year to the United States. (preferrably 2), because nobody makes it on their own. It is everyone's taxes that pay for grades 1-12, its everybody's payments that make the water safe to drink, its everyone's money that gives you the roads you drive on - etc., etc. We all pay the taxes that gets all those things done. NOBODY, doesn't pay taxes.
But - check it for yourself - the politicians are talking about SS and Medicare and education when they are talking about "entitlements" - not welfare and food stamps.
Here is the government's definition of "entitlement"
A government program that guarantees and provides benefits to a particular group
If you look them up individually, you will see that Social Security, Medicare (Old Age Benefits), Veterans Compensation and Medical Services and Education, are all entitlement programs.
But, to bring it back around to how we got into this discussion - bottom line is that - depending on your status in life, you can use the "public" land - as long as you are using it for what some group thinks you should be using it for. And, dredging isn't one of them. Nor is mining (especially small scale), metal detecting, using your atv, and, if they have their way - horses - unless we pick up horse poop.
The time is coming when only the rich kids can afford to use the public lands. In the Mojave Desert - where you cannot even bring a motorized wheelchair - the rich get to race cars. In a place in Texas, where you cannot hunt, or drive , a vice-president can.
In Arizona, there are 1,000's of acres of public land that is being sold off into lots - to rich folks. On the east coast, the beach - which, does NOT belong to individuals, by law - are being sold off for Condo's - to rich people, and if there is any land left, they are selling that too.
In the West, they are also selling off land, and, they are making wilderness areas, and National Parks where our government folks are letting the likes of Sierra Club and Nature's conservancy draw the maps of withdrawals, and make the rules on who can use it and who cannot. Over 4 MILLION acres have been withdrawn in the course of 7 years - and more is coming.
But - the rich people - they keep their money - they pay much less percentage of their income than the middle class (and the arguement that they make the jobs is BS, since, they have been keeping their money up until now, and we still have 9% unemployment), they keep on scamming people (I'm assuming that its the stupid people's fault that they lost more than 1/2 their retirements, even though they have no control over it, at the same time Wall Street tycoons were making billions, and that its the people's fault that ponzi schemes were perpetuated, and that Wall Street brokers all over the place have been triple and quadruple billing and playing with people's pension funds, and use their funds to allow rich to buy short or sell short or buy options)?
Meantime, back at the homestead - we - or at least people like me - who are not rich, are not allowed to pursue MY hobby, or, at the very best, they are crowding us into ever smaller areas that we have access to.
Beth
tons a au 2 u 2 -John 
? The government does some dumb things. (not to mention, I'm pretty sure the supreme court decided that "debtors prison" was unconstitutional and illegal.).
the poor get poorer 
and the Reliescums rejoice 
the Damnedoldratz sit on their hands 
now what is a american to do 
