The Death of Personal Responcibility

Well where do I start with this one, I could have called it " What is worng with America " but  it probably would apply to many countries and I dont thing  the name of teh country really matters much, but seeing as I am in america and its happening her  lets just go with it and see where I end up.

This is somewhat of a history lesson so if your sitting comfortably, I'll begin.............

Chaper 4. A new hope .................

 A long long time ago in a galaxy far away ..........

 A child was born to a family of average parents, they worked hard and did what they thought was right for themselves thier child and their household, Yes at times food was not the best  and  could be described as cheap. the parents were not always in work but when they were not they did not sit and complain about the fact that someone was keeping them from getting work or there were no jobs out there   what they did was look for any work, anything that would bring some money into the household so that THEY could feed and look after their family.

 Yes times could be hard  yes clothes were more often than not  hand me downs from freinds and relatives and never the latest fashion, but you know what  they were for the most part happy and just got up each day and got on with the tasks of living.

 OK OK  please take the Norman Rockwell image from your mind and stop thinking you live in Mayberry for a second, hard as it may seen now people did actually used to live like that, they worked lived and died knowing they were responsible for theyr lives and their actions, and that they were the ones that had the means and the ability to make a go of this thing we call life.

Fast forward 50 years and what the fuck has happened, thsi is the point of this rant ..........

The US Government has taken it upon themselves to bail out people that sign legaly binding contracts on a house loan  this we wil hence forth refer to as the " mortgage "

Your asking yourself my am I letting this bother me, yes I know it should not bother me as I dont have an adjustable rate ( remember that word"adjustable") mortgage, We have a fixed rate mortgage that way we know what we will be paying for the next 20 years or however long we have left on the house loan.  When we took it out we looked into the pros and cons of  the two types and WE decided to take the fixed rate one, we could have gone with they adjustable rate mortgage but we didnt  because we were the ones signing the paperwok on the deal and it is our job to make sure that each month the mortgage gets paid. Well apparently we should not have spent so long looking into the pro's and con's of each of the types of mortgage and just took out an adjustable rate one and wait for the government to come bail us out as thats what happened yesterday  to a few million people who were crying that they could loose their house as the mortgage payments were about to change from the low introductary rate to  a different rate  which in this case would have been higher I say that because you can be damn sure if the rate were due to have gone down fuck all would have been said by anyone about the rate change, no nightly news stories of people standing in front of what you have to admit are nice looking homes but way way too big for a normal person to afford, no nightly news reports where the goveror or a senator are saying that the gov will do something to help with the 'crisis' nothing nada the news would just be the normal non news it always is.

 But as the rates are going UP people are demanding the government helps them out of this crisis, the fact that its all of their doing is not getting any air time at all, as someone old enough to sign for a mortgage are you not then seen in the eyes of the law as an adult ?, are you not them seen as someone who has read the terms of the huge loan document that you are signing ? apparently not.

What part of "adjustable" did these people just not understand ? its a simple enough word meaning things can change and if you sign a mortgage that is of the adjustable kind with a 6 month 1 year 2 year  whathave you introductary period, then do you really need asomeone to point out that at the end of that period the rate may change up OR down ?

 If your getting yourself a home thats at the upper reaches of what you can afford then you should not be getting it !!!!  food bills never go down they only go up gas prices change  at what seems at the moment, on an houry basis, utilities charges always go up so if your job only pays a inflation like pay increase a year and seldom even get that then each and every year that you live in the huge house your getting poorer and poorer and thats WITHOUT the amount your paying on your home changing

 Dont get me wrong if you want a big house fine get one, if you want all teh toys, teh boat the huge SUV the kids in private school  fine do that  but when in teh hell did it become teh governments job to make sure that you keep it

 the government should have said   tough shit you signed the papers you deal with it  and if it means you have to sell and get a much smaller home  then  fine do it stop expectingg federal help because your a dumbass

 ok rant over .......

 today ill buy jetdry so the casting can begin