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billzeke
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Posted on Tue, Mar 30, 2010 11:31

Shaz. Now that you revised your stats things you say make more sense. Three years in the financial markets is an eternity. In that same time frame a friend of mine bought a house in Henderson, NV. for $1.2 mil. His next door neighbor just bought the same house for $640K. That's enough to ruin your morning. I have just gone from being a lender to being a land baron of sorts. I own all my properties free and clear and they are all rented. I will stay in this mode collecting rents until the market rebounds and then I will sell at a very nice profit, increase my lending and beef up my loan portfolio with the proceeds. Acually when I am forced to foreclose I do better in the long run than I do if the borrowers pay me back on time. I far prefer to be paid back as that is a win win for everyone. I never like to take property away from other people but it is a necessary evil in being in the lending business. You can force the sale of a delinquent property in AZ. in 101 days without ever going into court. It's a non judicial proceeding whereby your own attorney auctions the property off on the court house steps. You don't go into court; all sales are final and there is no redemption period. I am an extremely conservative LTV (loan to value) lender. Credit to me is only as good as a persons last payment. I wont go more than 60%LTV on a sfr, 45%-%50%LTV on commercial property and 30%LTV on vacant land. I will do fine when the market recovers as using that formula I can still sell at a profit now but then what would I do with the cash. As far as owning you still have some time and your time will come. You will never be smart enough to catch the bottom so it is best to wait until prices start trending up again, Right now credit is still very tight. The extreme opposite side from when credit was too easy. The markets will stabilize in time and credit will adjust to a more historical posture. That will be the time to buy... 

 

 



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shazbot82
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Posted on Mon, Mar 29, 2010 16:22

Quoting billzeke

Shaz. CA., AZ., NV., and FL. are amongst the hardest hit areas for foreclosures. Entire blocks and subdivisions are now empty because the homes are bank owned. Just what epidemic did these people encounter on a mostly geographical and almost block by block basis that made it medically impossible for them to make their loan payments??? Do you honestly think a person will continue to make payments on a home they purchased for $300K that is now worth $175K when they can just give it back to the lender and walk away???? That may be enough to make one feel ill but it does not constitute illness as the primary reason for the foreclosure. I am a private lender. I lend my own money secured by real estate. In the past year I have had to reposess four sfr. houses, one 14 unit apartment complex and two 40 acre parcels of vacant land. Not one of the borrowers was ill and none lived on the properties. All were investors who made bad investments. I also had to foreclose on a 10 acre home and vinyard in San Andreas, CA. which I believe is close to where you live. That parcel got taken out by a bidder at the trustee sale. No illness there either. I have had to foreclose more times in the last couple of years than I had to in the pevious 20 years combined. Things are bad but illness is not the major culprit. Greed and bad judgement are mostly responsible. People that actually have equity in their properties can seek the protection of the bankruptcy courts in order to restructure the debt and remain in their homes until they work through their problems... 

 

 



Let me revise my previous statement........... PRIOR to 2007-8 MOST of ALL foreclosures were in fact, by statistics, brought on my unpaid medical bills. Credit is a tricky thing B...I am certain YOU followed all sensiable precautions. And it still happened to you. San Andreas is more than 100 miles from me..I THINK. Not around these parts. You still cant touch much of anything for 300K here. A 1 one bedroom condo sells for about that.They sit vacant because no one wants the HOA fees anymore. People STILL need a place to live and IF you own property, even if the current value is less than the loan , you still get ample benefits by owning. You can rent it out, you can live in in it, you can upgrade it to make it worth its previous value. You can rent out rooms. Lots of people here do that. tax advantages as well. I WOULD much rather own a place,,anyplace,,than be renting as I am now.


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billzeke
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Posted on Mon, Mar 29, 2010 04:03

Shaz. CA., AZ., NV., and FL. are amongst the hardest hit areas for foreclosures. Entire blocks and subdivisions are now empty because the homes are bank owned. Just what epidemic did these people encounter on a mostly geographical and almost block by block basis that made it medically impossible for them to make their loan payments??? Do you honestly think a person will continue to make payments on a home they purchased for $300K that is now worth $175K when they can just give it back to the lender and walk away???? That may be enough to make one feel ill but it does not constitute illness as the primary reason for the foreclosure. I am a private lender. I lend my own money secured by real estate. In the past year I have had to reposess four sfr. houses, one 14 unit apartment complex and two 40 acre parcels of vacant land. Not one of the borrowers was ill and none lived on the properties. All were investors who made bad investments. I also had to foreclose on a 10 acre home and vinyard in San Andreas, CA. which I believe is close to where you live. That parcel got taken out by a bidder at the trustee sale. No illness there either. I have had to foreclose more times in the last couple of years than I had to in the pevious 20 years combined. Things are bad but illness is not the major culprit. Greed and bad judgement are mostly responsible. People that actually have equity in their properties can seek the protection of the bankruptcy courts in order to restructure the debt and remain in their homes until they work through their problems... 

 

 



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Dekan09
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Posted on Mon, Mar 29, 2010 03:57

No I know the rules. We all kid and talk about politics at work but I am aware of the Hatch Act and other things because I was asked to run for an office and couldn't. I could lose my insurance if they change anything that I currently have. I hope things pick up in the housing industry for you and your business.



Government's first duty is to protect the people, not run their lives. President Ronald Reagan

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shazbot82
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Posted on Sun, Mar 28, 2010 22:40

Quoting Dekan09

Thanks Pat! I count on my liberal comrades to straighten my Conservative ass out! *L* Shaz good job girl! My brain thinks faster than my fingers and I was in a hurry to get to my daughters for my fabulous weekend in Pittsburgh and the fact that someone rear ended me and knocked out my truck automatically opening didn't help either! I have a copy of the Constitution in my purse and one hanging in my cube at work. So trust me I know the difference.

I just joined the Heritage Foundation and am awaiting my 5 free copies of the Constitution to hand out to my liberal co-workers. *L* Between handing them out and a big picture of Pres. Bush's picture saying "Miss Me Yet" I'm going to be the most hated person in my office. I love it!

Kind of like this weekend when I was sitting in the hotel bar in the Omni William Penn hotel with my Philadelphia Flyers hoodie surrounded by Pittsburgh Penguines fans. It had to have been 30-40 to 1. It was great fun! People would walk by and make remarks like "I hate the fuckin Flyers" I answered back "yea I know" and continued to drink my Miller Lite. Isn't life grand!!!!



hey D..glad i could help and that you are OK in the truck thing. I am in the process of reading the DoI, the Con, the Bill of rights and All the amendments again. Good to keep up and review. Be careful at work. You can get into a great deal of trouble discussing political issues while on the job. HR can say you are being disruptive and it WILL be true. You are at work to forward the COMPANY'S agenda and welfare, not your own. IF you signed an employee agreement, perhaps you should review it before you do what you have planned. Passion and dedication are both good qualities, but use your brain,too. Political activites are best pursued AFTER work , not AT work. YOU DO NOT WANT TO BE UNEMPLOYED AND LOOSE YOUR HEALTH INSURANCE !


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shazbot82
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Posted on Sun, Mar 28, 2010 22:25

I AM IN REAL ESTATE,,its what I do. Have been for more than a decade. PRIOR to the socalled housing bubbles and EVEN STILL today,,,MOST of the foreclosures in this entire country are the result of UNPAID medical bills. Dateline has done stories on it, 60 Minutes has done stories on it,and many other new stories have been presented about it. I often had loans that were no-doc or low doc, or stated income loans. I ALWAYS had a pre-planned exit strategy if I used those very volatile loan products. THEY are not and never were meant to be primary purchase loans. I lay the blame for that debacle on the shoulder of greedy Loan Brokers marketing to unsophisticated consumers who did not understand what they were actually buying. Underwater loans are NOT a problem UNLESS you are forced to sell. And you WILL BE forced to sell IF you become ill and cant work and loose your job and loose your health insurance. Its all interconnected and never should have been. WHAT I WANT TO SEE IS Health insurance NOT tied to a job.


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Dekan09
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Posted on Sun, Mar 28, 2010 20:22

Bill well hell look at what they are purposing now! They made it sound like some people won't even have a mortage! What's up with that?



Government's first duty is to protect the people, not run their lives. President Ronald Reagan

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Dekan09
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Posted on Sun, Mar 28, 2010 20:20

Thanks Pat! I count on my liberal comrades to straighten my Conservative ass out! *L* Shaz good job girl! My brain thinks faster than my fingers and I was in a hurry to get to my daughters for my fabulous weekend in Pittsburgh and the fact that someone rear ended me and knocked out my truck automatically opening didn't help either! I have a copy of the Constitution in my purse and one hanging in my cube at work. So trust me I know the difference.

I just joined the Heritage Foundation and am awaiting my 5 free copies of the Constitution to hand out to my liberal co-workers. *L* Between handing them out and a big picture of Pres. Bush's picture saying "Miss Me Yet" I'm going to be the most hated person in my office. I love it!

Kind of like this weekend when I was sitting in the hotel bar in the Omni William Penn hotel with my Philadelphia Flyers hoodie surrounded by Pittsburgh Penguines fans. It had to have been 30-40 to 1. It was great fun! People would walk by and make remarks like "I hate the fuckin Flyers" I answered back "yea I know" and continued to drink my Miller Lite. Isn't life grand!!!!



Government's first duty is to protect the people, not run their lives. President Ronald Reagan

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billzeke
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Posted on Sun, Mar 28, 2010 20:13

Most foreclosures are the result of a housing bubble that finally burst. Many people are upside down in their houses. In other words they owe far more then then their house is worth and with the easy lending policies of a few years ago they put nothing down when they purchased so they have nothing to lose and they walk away. The people to feel sorry for are the responsible people who are paying on their loans but watching the value of their homes homes corrode away because of the bad judgement which should be shared equally by the the irresponsibily of some home buyers, investors and the banks that made the loans. Banks continually come up with new lending twists. Whenever they do; give it about five years or so and voila: you will have a banking crisis. Happens every time.



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Curious2078
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Posted on Sun, Mar 28, 2010 19:52

Bill, is Gary available?  Close to my age?  I'd like to marry him!!!!!!

All kidding aside, thanks for the post.  I'm still digesting all of it, so I have no actual intelligent comment to make---yet.  All I can say......once again:  Thanks so much for the post.  I have never been a "poliltical animal."  As important as poliltics should be to all of us, me included, politics has always bored the hell out of me---until Barack came on the scene with his "change" agenda that equals the ripping up of our Constitution and replacing it with something thoroughly SOCIALIST and probably Muslim-inpired.  [Yikes, if that succeeds, I'm dead meat for sure.....]  Thanks to Barack, I "WOKE UP"  enough to see what's going on in our gorgeous country now.....  HOLY S**T!!!!!!!!! 

Even the least political of us critters here in the USA must be--have come to be--as aware as we can be of what's going on.....

Again, thank you for your well-informed critical commentary...I need all of that I can get.  And thanks so much to Dekan and her blog--no matter how much her passion for our Democratic Republic might occasionally get in the way of the actual facts [love you, Dekan...your passion is a treasure].

Her blog has inspired you to respond with facts I need to help me stay well-informed.  So....thanks to both of you!!!!!  Dekan knows how I feel....  And just in case her passion has obscured her thinking here---I can promise you, she is utterly and completely on the side of our democratic republic.  Her facts may get screwed up from time to time--but I can promise you this:  Ronald Reagan is sitting on her right shoulder whispering in her ear.....  She is a good AMERICAN indeed!!!!!!! 

Pat



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billzeke
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Posted on Sun, Mar 28, 2010 19:25

A GOOD READ Dated 3/28/10 Gary Hubbell: The Redneck tree hugger

Barack Obama has awakened a sleeping nation Gary Hubbell
Aspen Times Weekly Barack Obama is the best thing that has happened to America in the last 100 years. Truly, he is the savior of America's future. He is the best thing ever.

Despite the fact that he has some of the lowest approval ratings among recent presidents, history will see Barack Obama as the source of America's resurrection. Barack Obama has plunged the country into levels of debt that we could not have previously imagined; his efforts to nationalize health care have been met with fierce resistance nationwide; TARP bailouts and stimulus spending have shown little positive effect on the national economy; unemployment is unacceptably high and looks to remain that way for most of a decade; legacy entitlement programs have ballooned to unsustainable levels, and there is a seething anger in the populace.

That's why Barack Obama is such a good thing for America.

Obama is the symbol of a creeping liberalism that has infected our society like a cancer for the last 100 years. Just as Hitler is the face of fascism, Obama will go down in history as the face of unchecked liberalism. The cancer metastasized to the point where it could no longer be ignored.

Average Americans who have quietly gone about their lives, earning a paycheck, contributing to their favorite charities, going to high school football games on Friday night, spending their weekends at the beach or on hunting trips — they've gotten off the fence. They've woken up. There is a level of political activism in this country that we haven't seen since the American Revolution, and Barack Obama has been the catalyst that has sparked a restructuring of the American political and social consciousness.

Think of the crap we've slowly learned to tolerate over the past 50 years as liberalism sought to re-structure the America that was the symbol of freedom and liberty to all the people of the world. Immigration laws were ignored on the basis of compassion. Welfare policies encouraged irresponsibility, the fracturing of families, and a cycle of generations of dependency. Debt was regarded as a tonic to lubricate the economy. Our children left school having been taught that they are exceptional and special, while great numbers of them cannot perform basic functions of mathematics and literacy. Legislators decided that people could not be trusted to defend their own homes, and stripped citizens of their rights to own firearms. Productive members of society have been penalized with a heavy burden of taxes in order to support legions of do-nothings who loll around, reveling in their addictions, obesity, indolence, ignorance and “disabilities.” Criminals have been arrested and re-arrested, coddled and set free to pillage the citizenry yet again. Lawyers routinely extort fortunes from doctors, contractors and business people with dubious torts.

We slowly learned to tolerate these outrages, shaking our heads in disbelief, and we went on with our lives.

But Barack Obama has ripped the lid off a seething cauldron of dissatisfaction and unrest.

In the time of Barack Obama, Black Panther members stand outside polling places in black commando uniforms, slapping truncheons into their palms. ACORN — a taxpayer-supported organization — is given a role in taking the census, even after its members were caught on tape offering advice to set up child prostitution rings. A former Communist is given a paid government position in the White House as an advisor to the president. Auto companies are taken over by the government, and the auto workers' union — whose contracts are completely insupportable in any economic sense — is rewarded with a stake in the company. Government bails out Wall Street investment bankers and insurance companies, who pay their executives outrageous bonuses as thanks for the public support. Terrorists are read their Miranda rights and given free lawyers. And, despite overwhelming public disapproval, Barack Obama has pushed forward with a health care plan that would re-structure one-sixth of the American economy.

I don't know about you, but the other day I was at the courthouse doing some business, and I stepped into the court clerk's office and changed my voter affiliation from “Independent” to “Republican.” I am under no illusion that the Republican party is perfect, but at least they're starting to awaken to the fact that we cannot sustain massive levels of debt; we cannot afford to hand out billions of dollars in corporate subsidies; we have to somehow trim our massive entitlement programs; we can no longer be the world's policeman and dole out billions in aid to countries whose citizens seek to harm us.

Literally millions of Americans have had enough. They're organizing, they're studying the Constitution and the Federalist Papers, they're reading history and case law, they're showing up at rallies and meetings, and a slew of conservative candidates are throwing their hats into the ring. Is there a revolution brewing? Yes, in the sense that there is a keen awareness that our priorities and sensibilities must be radically re-structured. Will it be a violent revolution? No. It will be done through the interpretation of the original document that has guided us for 220 years — the Constitution. Just as the pendulum swung to embrace political correctness and liberalism, there will be a backlash, a complete repudiation of a hundred years of nonsense. A hundred years from now, history will perceive the year 2010 as the time when America got back on the right track. And for that, we can thank Barack Hussein Obama.

Gary Hubbell is a hunter, rancher, and former hunting and fly-fishing guide. Gary works as a Colorado ranch real estate broker.



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Dekan09
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Posted on Sun, Mar 28, 2010 18:36

The cause of foreclosures is that Fannie and Freddie gave loans to people who they knew couldn't afford to pay them that. That is another right the Democrats feel people are entitled to...a house. You don't base paying back a loan on a welfare check.



Government's first duty is to protect the people, not run their lives. President Ronald Reagan

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Dekan09
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Posted on Sun, Mar 28, 2010 18:33

Shaz thanks for correcting me...I knew that duh! *L* My roomie makes meals, she does very little cleaning and other than applications that I've sent her that I find she's not looking. I'm almost to the point to tell her that if she doesn't have a job by the end of April she has to move. I just can't be mean to her. I know it's my fault I'm to kind for my own good. But I'm working on that. Our constitution covers just about everything and no it doesn't need any changes. We will agree to disagree on that.



Government's first duty is to protect the people, not run their lives. President Ronald Reagan

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shazbot82
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Posted on Sun, Mar 28, 2010 12:18

Quoting billzeke

Shaz:  The taxes that you cite are mostly taxes based upon real estate values, set by the states or other local municipalities and paid by those individuals who own real property. There is no state or local government that requires people to own real property so not everyone has to pay those taxes. The new Federal law requires everyone to purchase health insurance regardles if whether they want to or not. Otherwise they will be fined, but the fine is much less than the cost of the insurance would be. Since you can no longer be turned down for pre-existing conditions; what happens if every healthy person cancels their current insurance; pays the fine and waits until they are sick to sign up for insurance coverage and then begin to pay the premiums??? I agree that our current health care needs some adjusting and improving but the health care law that just passed IMO is a very bad law which will not accomplish what it is intended do and will seriously damage the U.S. economy at a time most people are already struggling. Obama has alluded publically that he wants to model our health care after the Canadian system. A high ranking Canadian elected official just traveled to the U.S. for a heart procedure he was not comfortable getting in Canada. An old MM friend; someone who you also know; is traveling from Canada to the Mayo Clinic in Phoenix next month at their own expense for treatment of a blood condition that they cannot get in Canada. I sure don't want the Canadian system here. We can go round and round about this but I would rather not. I much more prefer the light and airy aspects of the blogs. I am quite content to post this response and then abide by what the majority of the electorate thinks. The next couple of elections should be very interesting. Prohibition was a bad law and it got repealed. No reason why this very bad law can't be repealed as well...

 



I owned very expensive Real Estate in Ca. for many many years . Taxes on a 650K home are not cheap. I also paid thousands upon thousands in Capitol Gains taxes. People all over the world travel to other areas for surgery,,its pretty common. My last Bf lived in Jakarta and went to Australia for surgery. When we were in thailand he was in a bad accident and cracked his pelvis. In that incident, he went back to Jakarta to have surgery. trans-sexuals from all over the world go TO Thailand for sexual re-assignment surgery. People from the USA go to certain high-end clinics in Mexico of all places for lipo-suction,dermabrasion and some other cosmetic surgery,, or down to Brazil if they can swing it ( Brazil is one of the worlds highest consumers of cosmetic and plastic surgery,,,the doctors there ARE masters !)


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shazbot82
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Posted on Sun, Mar 28, 2010 12:09

Quoting billzeke

Shaz:
Traveling with Firearms in California
HANDGUNS
California Penal Code section 12025 does not prevent a citizen of the United States over 18 years of age who is not lawfully prohibited from firearm possession, and who resides or is temporarily in California, from transporting by motor vehicle any pistol, revolver, or other firearm capable of being concealed upon the person provided the firearm is unloaded and stored in a locked container.
The term "locked container" means a secure container which is fully enclosed and locked by a padlock, key lock, combination lock, or similar locking device. This includes the trunk of a motor vehicle, but does not include the utility or glove compartment. For more information, refer to California Penal Code Section 12026.1.

Hardly the same as being permitted to walk around with a loaded weapon strapped on your hip. Presently there is a measure in the AZ. state legislature that will probably pass which would allow people over the age of 18 who are not convicted felons to carry loaded concealed weapons without any licensing at all. That's a little bit too WILD WEST even for me.

 

 


Bill. I am a fan of target and range shooting. I used to drive around town with a 357 and 12 gauge shotgun in the front seat of the car. Ammo had to be locked up in the trunk. Ca has a LOT more people than most states do and about 1/3 of them are nuts. I can NOT imagine how many more homicides there would be EVERY DAY if people were allowed to walk around with loaded guns. Taking a bus in Oakland is akin to running a gaunlet.I hate it and avoid it as much as possible. Those nuts KILL over a pair of idiotic sneakers and I AM NOT kidding ! What works for a fairly unpopulated are does NOT work for a densely populated area ! BY the way,,CA DOES have differing laws for rural counties versus metropolitian counties ( more than 10,000 people ) Most people do not know that.


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billzeke
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Posted on Sun, Mar 28, 2010 07:51

Shaz:  The taxes that you cite are mostly taxes based upon real estate values, set by the states or other local municipalities and paid by those individuals who own real property. There is no state or local government that requires people to own real property so not everyone has to pay those taxes. The new Federal law requires everyone to purchase health insurance regardles if whether they want to or not. Otherwise they will be fined, but the fine is much less than the cost of the insurance would be. Since you can no longer be turned down for pre-existing conditions; what happens if every healthy person cancels their current insurance; pays the fine and waits until they are sick to sign up for insurance coverage and then begin to pay the premiums??? I agree that our current health care needs some adjusting and improving but the health care law that just passed IMO is a very bad law which will not accomplish what it is intended do and will seriously damage the U.S. economy at a time most people are already struggling. Obama has alluded publically that he wants to model our health care after the Canadian system. A high ranking Canadian elected official just traveled to the U.S. for a heart procedure he was not comfortable getting in Canada. An old MM friend; someone who you also know; is traveling from Canada to the Mayo Clinic in Phoenix next month at their own expense for treatment of a blood condition that they cannot get in Canada. I sure don't want the Canadian system here. We can go round and round about this but I would rather not. I much more prefer the light and airy aspects of the blogs. I am quite content to post this response and then abide by what the majority of the electorate thinks. The next couple of elections should be very interesting. Prohibition was a bad law and it got repealed. No reason why this very bad law can't be repealed as well...

 



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billzeke
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Posted on Sun, Mar 28, 2010 04:24

Shaz:
Traveling with Firearms in California
HANDGUNS
California Penal Code section 12025 does not prevent a citizen of the United States over 18 years of age who is not lawfully prohibited from firearm possession, and who resides or is temporarily in California, from transporting by motor vehicle any pistol, revolver, or other firearm capable of being concealed upon the person provided the firearm is unloaded and stored in a locked container.
The term "locked container" means a secure container which is fully enclosed and locked by a padlock, key lock, combination lock, or similar locking device. This includes the trunk of a motor vehicle, but does not include the utility or glove compartment. For more information, refer to California Penal Code Section 12026.1.

Hardly the same as being permitted to walk around with a loaded weapon strapped on your hip. Presently there is a measure in the AZ. state legislature that will probably pass which would allow people over the age of 18 who are not convicted felons to carry loaded concealed weapons without any licensing at all. That's a little bit too WILD WEST even for me.

 

 



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shazbot82
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Posted on Sat, Mar 27, 2010 18:06

oh so the fact that YOUR friend is lazy makes everyone who is unemployed lazy ? I SERIOUSLY beg to differ. Where I live there are about 50 + applicants to every job posted, regardless of the wage. I have not received ANY unemployment benefits because I own my own business. The fact that very few people are currently remodeling their homes in MY area is what drives the work load. ................................................................... WHY did you let her stay that long without her contributing something of value to the household ? Does she cook the meals, does she do most of the housework ? does she buy groceries for the household ? I would not let my OWN child stay with me if she didnt contribute is some significant way. THAT is YOUR fault, no ones else's. ........................................................... and WHAT does that have to do with the President OR health care reform ? ................................................................. that is ONE of the HUGE issues I have with the conservative right...they group EVERY THING together and demand it ALL be "fixed" in one sweeping bill ............................................................. Speaking of Bill,,Ca lets people carry holstered weapons as well. Just can not be loaded. Guns dont kill people, people kill people. ............................................................... and Dekan,,,youve got your historical documents mixed up. The Declaration of Independence is the one that states all men are created equal and endowed with certain uninalieable rights, principle among these are Life Liberty and the pursuit of Happiness. IF you have a large dictionary, most of them contain both the D.ofI. and the Constitution and the Bill(s) of Rights. I respectfully submit that ANY document written over 2oo years ago can NOT possibly cover all the issues in todays modern society, and that is WHY we can amend them. ................................................ Regardless of what any one thinks, OUR government, in genreal, is NOT run by stupid people.


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billzeke
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Posted on Sat, Mar 27, 2010 14:30

Spent an interesting morning. I went to a gun show. It was packed. That was not surprisng as AZ. is a very conservative state and you do not have to be licensed to carry a firearm in public as long as it is not concealed. What was surprising was the number of exhibitors who were not selling anything but were there just to support the 2nd Amendment or just to protest and work against elected officials who in their opinion had betrayed their right to bear arms...



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Dekan09
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Posted on Sat, Mar 27, 2010 13:36

I'm sick of paying for people who are to damn lazy to get off their ass and get a job. I have a room mate who hasn't worked in over a year. She either gets a job or she's gone. Move back in with family where she came from before I invited her to live with me. Unemployment makes people lazy. I'm paying for people to be up all night and sleep all damn day. Well I for one am sick and tired of it! You are not entitled to anything other than what the Constitution says!



Government's first duty is to protect the people, not run their lives. President Ronald Reagan

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