Santa is bringing everyone their ARM adjustments this year. I know a few people who have an ARM and they are in trouble. My brother in Law’s family has disowned him and his wife for Xmas. His wife, my wife’s sister, did not want to help them out in their time of need. She is so cruel and selfish. She is worth nothing because she is kicking a family 5 out on the street. What a horrible person. She is the Grinch who stole their ARM.
Well 1st off my bro in laws family is sort of illegal. His brother and wife are illegal and their 3 children were born on this side of the border. They purchased a house in poorer part of Riverside, CA which is depreciating really really really fast. During the boom the Father was in construction and he made some good money so his wife did not have to work. Since they were in the money they took out a loan to remodel the house.
2 years later the loan is about to adjust and they want to refinance. The Fathers job is sketchy and the Mother is still not working. With todays standards they are unable to get a loan without a cosigner. They asked my sister in law to be the cosigner.
My sister in law does not make that much money. She is well entrenched in the lower middle class. She does not have kids of her own and everyone on her husband’s side thinks they are rich because of that. She is very conservative with her money and has never asked ANYONE for anything.
So, when she said no to cosigning, her in-laws went nutz. They are upset with her and have disowned her. The family has been using cards just to eat. They have not learned to save money. They are spending a ton of cash at the mall for gifts and every thing is about status.
With no savings, a sketchy job, and illegal status how are they guys supposed to keep their house. The family has been here for over 10 years. They have not bothered to go to school, learn English, or make life better for their children. Everything has been keeping up with the Jones (In this case the Quiroz’s).
I am so upset with that family right now. My sis in law has been so good to them. She has helped them out through the years. She LOVES those children as if they were her own. She has never asked them for anything in return. Now she is getting spit on for being responsible. She is the one that will be stuck with that loan when they get foreclosed on. All they have to do is go back to Mexico and forget about the bad nightmare of Sub prime. They have taken such advantage of my brother in law. I am so proud that they have finally stood up to say no!
The end coming and those who are not prepared will be swallowed up. My sister in law is making a good choice in preparing for HER future. She is not the selfish one, she is the smart one. Her sacrifice will let her and her Husband eat and stay warm when times get hard. Why should she let her in-laws drag her down into STUPID DEBT? She saves as much as she can while they spend all they can. I don’t understand the animosity going on. Let the house foreclose and rent something nice. It’s going back to the bank sometime soon anyway.
What a bitch!
Wednesday, December 12, 2007
Tuesday, December 11, 2007
Ouch
They just dropped interest rates again. The government is out to screw the middle class. The Dow just dropped 200 points. Are the traders trying to scare Bernanke into dropping it even lower? I dont know anything about the market but I watch and try to understand it everyday.
It is getting scary how prices are going up and people are losing jobs. I am in the Inland Empire and it is getting bad. My whole family has something to do with Real Estate and most of them are out money.
What I can see we are in Recession. My warehouse is slow and orders are down. People made a big push for Retard Friday and now its over. I know Im not getting anyone a present this year (But they better get me one).
Everyday Im SEEING how bad its getting. Stores that have been around forever are closing. People are asking ME for money. Friends are losing houses left and right. The end is Coming and its coming soon!
Ok, dont get me wrong. Most people I know are financialy irresponsible in the 1st place. I dont want you to feel sympathy for these people cause they are bastards anyway! :) My REALTOR friends and Family made a ton of cash but Totaly reinvested into over priced real estate. Other people just refuse to learn english or go to skool to move up in life.
I CANT FEEL SORRY FOR THESE PEOPLE! They had a chance, and now my chance is here and I am going to save every penny I ever had. Im going to clean my car and take all that change I dropped and put it into the bank (Hopefully Bernanke will not steal it with inflation). Im gonna rip up all my credit cards and go buy a shot gun so when my stupid family come looking for me in my holed up little room, I will be ready for them! :)
The second I feel sorry for these people, they will drag me down and I will lose everything I worked like a slave for.
It is getting scary how prices are going up and people are losing jobs. I am in the Inland Empire and it is getting bad. My whole family has something to do with Real Estate and most of them are out money.
What I can see we are in Recession. My warehouse is slow and orders are down. People made a big push for Retard Friday and now its over. I know Im not getting anyone a present this year (But they better get me one).
Everyday Im SEEING how bad its getting. Stores that have been around forever are closing. People are asking ME for money. Friends are losing houses left and right. The end is Coming and its coming soon!
Ok, dont get me wrong. Most people I know are financialy irresponsible in the 1st place. I dont want you to feel sympathy for these people cause they are bastards anyway! :) My REALTOR friends and Family made a ton of cash but Totaly reinvested into over priced real estate. Other people just refuse to learn english or go to skool to move up in life.
I CANT FEEL SORRY FOR THESE PEOPLE! They had a chance, and now my chance is here and I am going to save every penny I ever had. Im going to clean my car and take all that change I dropped and put it into the bank (Hopefully Bernanke will not steal it with inflation). Im gonna rip up all my credit cards and go buy a shot gun so when my stupid family come looking for me in my holed up little room, I will be ready for them! :)
The second I feel sorry for these people, they will drag me down and I will lose everything I worked like a slave for.
Monday, December 10, 2007
F the poor
So I decided to be charitable and I made my wife donate her car to your favorite organization who has those santas ringing bells on the corner. We could have probably sold the car for a couple bucks. We took care of all the paperwork and they came and towed the car away. We sent everything to the DMV and thought we were done. We felt very good about helping the poor. Maybe some great tiny tim poor person would get a chance to drive.
So now 8 months later we get a ticket from the 91 Facist toll road org who is saying that we had run a toll booth on their dumb ass tollway!!! Toll Roads suck! Not only are they controlled by a faceless corp they congest the freeway even more. Im not saying the 91 freeway is perfect but that stupid toll road stops traffic to let these inbred hillbillies in their HUGE 4x4's that they bought with their HELOC's on their crappy condos that suck, merge onto the taxpayers freeway slowing us poor bastards down! They are gonna charge me a fee for a car I dont even have anymore! Then to add insult to injury they WANT ME TO FIX their mistake. They want ME to go to the DMV and prove my innocence.
At his pooint I am so ANGRY!!! I have to wake up early (I work nites) and deal with this because of some irresponsible assmunches who cant follow the laws! I get in my car and battle traffic to the DMV to check on the status of the transfer. My closest DMV is Norco, CA where I wait in line for 15 minutes to get to the real line. After they give me my ticket I waited for a whole hour.
OK the DMV is a horrible place, but the NORCO DMV is Hell! They dont call people in order there. They have 3 catagories of hell. G B H and I wish I had some while I was there. I was B196. So instead of calling B1 B2 B3 and so on, they call B129 B130 B140 H150 G200 B195 H140 B195 G122 and finally B196. Its enough to drive you nutz. JUST CALL 1 2 3 4 5!!!!!! AHHHHHHHHHH I wonder why more people dont go DMVal like postal get it??? :)
Anyway, they finally call my number and I talk to the guy. They want me to PAY 5 dollars for a print out of the transfer. They system shows that our side of the paper work went through but it is still pending!!!! 8 fudging months later and its still pending! I immediatley ask for the supervisor and start yelling at her. I used to be very passive in life (yesterday) and now IM SICK OF IT ALL! So I start telling her its the DMV's fault that its not taken care of. What if THEY us the car to rob a bank and the police break down my door. "Oh thats not very likely."
Since I was not on the registration I couldnt get a print out anyway! It was confidential information that ONLY THE REGISTERED OWNER could have. Ok, so the State of California will take 1/2 of my money if I divorce that woman (that I love) they call my wife!!! So isnt 1/2 of her stuff mine???? And then how confidential is it when they are giving my name to the Fudgin toll road system! So I got really mad and I yelled at her, I kept saying, "Its your fault and you want me to pay 5 dollars!" I left before they kicked me out and I called the DMV.
Believe it or not they were more courteous, but not that much. She said I could use a copy I had made of the transfer. The lady also brought up that system showed everythng was good on my side and they were just waiting on the others to register the car.
Hell, now that I think of it, the tags havent been paid for. I wonder if they are going to come after us if they get busted for bad tags?
Anyway I then called the Army of the poor only to get a machine. I threatened to report the car stolen if they didnt call me back! And as of right now, they havent called me back. I will try again in the morning and rip someone a new asshole.
This is the last time I give to charity. My wife told me not to do it, the tax write off isnt that much. But did I listen????? I work too hard to let these bastard poor people just have my stuff. Poor people dont deserve my stuff. They will probably treat it like crap anyway. Look how they treated my car by not doing the legal thing??? Poor people should go out and get real jobs. Why do I have to pay taxes for these morons who dont understand that rules need to be followed to pull yourself out of poverty. Poor people of the world, you are not going to take advantage of me any more!!!
So now 8 months later we get a ticket from the 91 Facist toll road org who is saying that we had run a toll booth on their dumb ass tollway!!! Toll Roads suck! Not only are they controlled by a faceless corp they congest the freeway even more. Im not saying the 91 freeway is perfect but that stupid toll road stops traffic to let these inbred hillbillies in their HUGE 4x4's that they bought with their HELOC's on their crappy condos that suck, merge onto the taxpayers freeway slowing us poor bastards down! They are gonna charge me a fee for a car I dont even have anymore! Then to add insult to injury they WANT ME TO FIX their mistake. They want ME to go to the DMV and prove my innocence.
At his pooint I am so ANGRY!!! I have to wake up early (I work nites) and deal with this because of some irresponsible assmunches who cant follow the laws! I get in my car and battle traffic to the DMV to check on the status of the transfer. My closest DMV is Norco, CA where I wait in line for 15 minutes to get to the real line. After they give me my ticket I waited for a whole hour.
OK the DMV is a horrible place, but the NORCO DMV is Hell! They dont call people in order there. They have 3 catagories of hell. G B H and I wish I had some while I was there. I was B196. So instead of calling B1 B2 B3 and so on, they call B129 B130 B140 H150 G200 B195 H140 B195 G122 and finally B196. Its enough to drive you nutz. JUST CALL 1 2 3 4 5!!!!!! AHHHHHHHHHH I wonder why more people dont go DMVal like postal get it??? :)
Anyway, they finally call my number and I talk to the guy. They want me to PAY 5 dollars for a print out of the transfer. They system shows that our side of the paper work went through but it is still pending!!!! 8 fudging months later and its still pending! I immediatley ask for the supervisor and start yelling at her. I used to be very passive in life (yesterday) and now IM SICK OF IT ALL! So I start telling her its the DMV's fault that its not taken care of. What if THEY us the car to rob a bank and the police break down my door. "Oh thats not very likely."
Since I was not on the registration I couldnt get a print out anyway! It was confidential information that ONLY THE REGISTERED OWNER could have. Ok, so the State of California will take 1/2 of my money if I divorce that woman (that I love) they call my wife!!! So isnt 1/2 of her stuff mine???? And then how confidential is it when they are giving my name to the Fudgin toll road system! So I got really mad and I yelled at her, I kept saying, "Its your fault and you want me to pay 5 dollars!" I left before they kicked me out and I called the DMV.
Believe it or not they were more courteous, but not that much. She said I could use a copy I had made of the transfer. The lady also brought up that system showed everythng was good on my side and they were just waiting on the others to register the car.
Hell, now that I think of it, the tags havent been paid for. I wonder if they are going to come after us if they get busted for bad tags?
Anyway I then called the Army of the poor only to get a machine. I threatened to report the car stolen if they didnt call me back! And as of right now, they havent called me back. I will try again in the morning and rip someone a new asshole.
This is the last time I give to charity. My wife told me not to do it, the tax write off isnt that much. But did I listen????? I work too hard to let these bastard poor people just have my stuff. Poor people dont deserve my stuff. They will probably treat it like crap anyway. Look how they treated my car by not doing the legal thing??? Poor people should go out and get real jobs. Why do I have to pay taxes for these morons who dont understand that rules need to be followed to pull yourself out of poverty. Poor people of the world, you are not going to take advantage of me any more!!!
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