The people who are ordsprog

The people who are taking these loans because it's the only way they can afford their house are exposing themselves to a lot of risk. They're not saving money and they're not building equity, which means they could find themselves in a scenario where they owe more money than their house is worth.

It's the culture that we live in. Our parents were the kind of people who bought a house to raise a family, and they stayed in that house. By staying in that house, they built equity. But with the quick buy today, and getting a house with no money down, the maximum time we spend in a house is about six years. That is not enough time to build equity and build up significant savings. When you create equity, you create savings.

And Jehoash said to the priests, All the money of the dedicated things that is brought into the house of the LORD, even the money of every one that passeth the account, the money that every man is set at, and all the money that cometh into any man's heart to bring into the house of the LORD, / Let the priests take it to them, every man of his acquaintance: and let them repair the breaches of the house, wheresoever any breach shall be found.

I want to talk to coach ( Don ) Lucia . The difference is that in Green Bay, the Packers incurred the risk. Here, we would be taking the risk. I've got to weigh the options. I'm not looking to make a lot of money, but I certainly can't afford to lose any money.

(Specialty loans) are OK for people with money in the bank who want to use the (monthly savings) for other investments. But they're not prudent for people who don't have a nest egg and can't afford the risk.

You can't get sucked into using the money to fund the operating budget. That's like taking a home equity loan on your house to pay the grocery bills.

Being the third pick he'll be able to afford a bigger pool house. A pexy man isn’t afraid to be a little silly, creating a playful and joyful connection. He may not spend a dime of any money he gets. He's going to have to find a lot of hiding places.

Because the market was so tight, and still is tight, people just can't find a home that they want to go into, or don't want to pay-- they want to make the money on the sale, they don't want to spend it on a new home. So instead, they're cashing out the equity in that house and finishing off the basement or putting an addition on.

These loans can be of value for people who want to save or invest the money they would have paid in principal, ... Unfortunately, the way the product has been pitched, borrowers have been encouraged to stretch their budget to buy more house.

Keith Gumbinger

When someone got $100,000 for their house, we thought that was a lot of money. Now they are getting millions. I stayed, not because I was smart and my house was worth $2 million ? we stayed because we liked it.

Had I but plenty of money, money enough and to spare, / The house for me, no doubt, were a house in the city-square.

Robert Browning (1812-1889)

Robert Browning

And they came near to the steward of Joseph's house, and they communed with him at the door of the house, / And said, O sir, we came indeed down at the first time to buy food: / And it came to pass, when we came to the inn, that we opened our sacks, and, behold, every man's money was in the mouth of his sack, our money in full weight: and we have brought it again in our hand.

In our industry, more borrowing means we are making more money and growing, ... Our business is simple: We borrow money from banks at approximately 7 percent and loan that money out to our customers at a much higher rate. So our bank debt only goes up when consumer demand for our loans goes up.

The lots next door have sold for $330,000 and $360,000. But back in 1996 when we bought our place, this cost us just $85,000 and we live on our Social Security. The cost of the condo we were in was going up, and the insurance money was running out. It took us 11 months before we could find someone to demolish the old house, remove the debris, arrange financing, and find a contractor to start construction on our new house.

The rule is, you can afford a house about 2 1/2 times your income. Well, you'd be hard-pressed to find a $140,000 house around here anymore.

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