“True. I used to wait in a tourist trap -- $2.52 an hour. One time a table of eight paid me in pennies -- just took their change purse and dumped it out on the table. That was fun carrying in my pocket.
During the summer, you could get by -- 12 hr shifts, maybe $100/day. As soon as Labor Day hit, it was $5.00 per day. No one could live like that.”
MIChick on Oct 7, 2009 at 09:42:07
“Forgot to add -- 10% of all wait staff tips were given to the bussers.”
“Not to sound clueless (I guess I am, though) -- I didn't have an attorney at closing.”
OgreDaddy on Oct 5, 2009 at 23:56:49
“So you made the most important financial commitment of most people's lives
without asking a closing attorney,( working in your behalf ) to make damn sure you
understood what you were singing?
I made certain the closing attorney I paid for, was working for ME!
Made sure that I had no restriction to pre pay or to use the equity accelerator option.
I made sure to ask, what if there's a problem, loss of job etc.?
I also knew in advance what that note would cost me for 15, 20, 24 or 30 years
and how different the payment might be.
Yes a closing agent or clerk can get you through all your paperwork if you know what
'you are doing, but the majority of failed mortgages came from first time buyers.
There's a big difference between free enterprise and a full out free for all.”
“What disgusts me is that I think you are correct in your assessment. The right wing nutters make me so mad.
Imagine if they could use that energy instead to actually HELP people. God forbid.”
melodramy on Sep 24, 2009 at 11:36:23
“God forbid is right.
As Christian as they tend to be, you would think they would be all about help for others. However Christianity with its acceptables and unacceptables, "sheep and goat, wheat and chaff" theology, can have quite reverse effect on those already so predisposed. Everyone they hate is someone they are quite certain "God" also despises, biblically speaking. For example they'll admit Jesus wanted to help the poor but claim he never wanted to "help the lazy." (Jesus never labeled the poor as "lazy" the way virtually all right wingers do, and made no distinction about who was worthy). All they have to do is swap "poor people" for "lazy people" in their heads and voila, they're not actually required to help; Jesus' words about the poor no longer apply.
And of course we know if someone is not the right religion, not the right sexual orientation, believes in responsibly controlling their reproduction, etc., they are worthy of god's judgement if he so feels like judging them...and of which suffering is obviously the clearest sign. There is always something about somebody else that they can find which "disqualifies" somebody from their approval, which they cheerily imagine to be their God's disapproval as well. Therefore they "deserve what they get."
So, they manage to feel pretty internally consistent and comfy with where they stand on helping others.”
“I don't believe that for one minute. I think the banks DO want them back -- they can sell them and still stick you for the unpaid balance.”
gallimaufry03 on Sep 24, 2009 at 10:22:24
“Banks really don't want them back. No one's really buying and the longer they sit on the books the more money the bank loses and the more the property declines. It is in their best interests to renegotiate the loans but somewhere in the last 20 years of banking, bankers have developed really stupid business models (like how credit cards are managed) and they don't always do what's in their own best interest.
As for sticking you for the unpaid balance, I've never heard about that and I'm not sure it would be legal.”
I have a friend who has gone through serious hours cuts. In Michigan, he's lucky to have a job at all, but that doesn't impress the banks much.
He's a couple months behind on his mortgage, so he applied for the Assistance program. Seven months later, the bank still hasn't got back to him. The don't answer calls or e-mails, then send him letters telling him they tried to get a hold of him and failed. He calls them to make sure they have updated info, then gets transferred to someone who transfers him to someone else....who doesn't answer the phone.
He told me that he explained this to another bank that IS working with him. They told him that he had to be FIVE MONTHS BEHIND to get help? He doesn't want to be behind at all! WTF? All he's asking for is a lower payment to get through this time and to get caught up.
Something is seriously messed up with this country. Seriously.”