wrote:

a sad article.

who are the idiots who do these things? they deserved to be hanged
not just lose their homes.

Nearly two million families lost their homes to foreclosure in the
first 11 months of last year after failing to keep up with mortgage
payments, a hefty chunk of which were subprime loans.

The problem with pets is mainly generated by the huge foreclosure rate.
And for this we have to give thank to the greedy financial elites, bankers,
Wall Street, Mr. Greenspan, Mr. Bush and the (former) Republican majority.

Hints:
- Look at the number of sub prime mortgages offered BEFORE and AFTER the
bankruptcy laws were made harder. Sub-primes took flight AFTER the laws
were made tougher.
- BEFORE hardening the laws, going over credit limit automatically froze
your credit card until you payed and explained. AFTER, the credit line was
automatically extended.

The credit industry pushed for this law in order to have freedom to behave
irresponsible knowingly that the law is going to allow them to take away
some risk from their own shoulders and push the extra risk on the shoulder
of consumers. And in their greed for a quick buck, the lending industry did
just that.
Corrupted neocons, play as the money masters sing to them. Therefore, once
having a president and majority in congress from their gang, they
automatically did the best they could to provide more power to their
masters.


Back to pets issue.

The housing lenders, landlords, share a lot of the blame for the big number
of pets dropped to shelters. Most of apartment complexes does not lend you
if you have more than a cat or a small dog. This is their screwed policy.
Only a law to prevent landlords to deny housing for a large dogs owners can
solve the issue. And we need such a law fast !!!

As far as for people locking pets in houses to starve/dehydrate to death,
that should be prosecuted by law. Something like this it is completely
irresponsible, and they should not be allowed to adopt another pet.
Dropping a pet at a shelter should always be an option.

--
The world of the future will be fully democratic or will not be at all.

Democracy Highlander

"Democracy Highlander" wrote in message
...
wrote:

a sad article.

who are the idiots who do these things? they deserved to be hanged
not just lose their homes.

Nearly two million families lost their homes to foreclosure in the
first 11 months of last year after failing to keep up with mortgage
payments, a hefty chunk of which were subprime loans.

The problem with pets is mainly generated by the huge foreclosure rate.
And for this we have to give thank to the greedy financial elites,
bankers,
Wall Street, Mr. Greenspan, Mr. Bush and the (former) Republican
majority.

I have no love for GW(GlobalWarmongerer) Bush and his cronies, but I also
have little sympathy for those who overextended their credit and expected
an ever-increasing economy to allow them to continue their irresponsible
deficit spending. And now they want the "gummint" to bail them out.

Hints:
- Look at the number of sub prime mortgages offered BEFORE and AFTER the
bankruptcy laws were made harder. Sub-primes took flight AFTER the laws
were made tougher.
- BEFORE hardening the laws, going over credit limit automatically froze
your credit card until you payed and explained. AFTER, the credit line
was
automatically extended.

The credit industry pushed for this law in order to have freedom to
behave
irresponsible knowingly that the law is going to allow them to take away
some risk from their own shoulders and push the extra risk on the
shoulder
of consumers. And in their greed for a quick buck, the lending industry
did
just that.

Again, individual greed, stupidity, and lack of reasonable foresight and
sense of personal responsibility, caused most of these people to take
advantage of these temptations. Many of them probably also are driving the
latest ever more powerful SUVs so they can thumb their noses at more
responsible drivers as they spew toxic fumes and waste fuel in their mad
rush to and from their soon-to-be-eliminated jobs.

Back to pets issue.

The housing lenders, landlords, share a lot of the blame for the big
number
of pets dropped to shelters. Most of apartment complexes does not lend
you
if you have more than a cat or a small dog. This is their screwed policy.
Only a law to prevent landlords to deny housing for a large dogs owners
can
solve the issue. And we need such a law fast !!!

Laws are meant to prevent people from actively harming others by their
direct actions. Otherwise, supply and demand should determine such things
as available housing. If enough people with large dogs were demanding
apartments to live in, and there were many empty units available, the
policies of the apartment complexes would soon change.

Tax incentives are, IMHO, the only fair way for government to try and
adjust the policies of private entities whose bottom line is money and
profit, as it must be for any successful business. People always have
choices as to where and how they live. There are many houses available for
purchase at prices well within the means of even young people just starting
out, but perhaps they are not glamorous enough for their lifestyle, and
they can't be bothered to invest some sweat equity (or support the business
of a local contractor) to fix up a house in need of some repair. No problem
having a few dogs and cats in a place like that. But too many people spend
at the limits of their income to live in a fancy apartment with all their
maintenance needs taken care of for them, and spend more than they make on
fancy entertainment systems, designer furniture, and inefficient vehicles.

As far as for people locking pets in houses to starve/dehydrate to death,
that should be prosecuted by law. Something like this it is completely
irresponsible, and they should not be allowed to adopt another pet.
Dropping a pet at a shelter should always be an option.

On this I think we all can agree, but there are already laws to that
effect. We should, however, fully fund the Animal Control entities in our
local areas so they can do their jobs.

Perhaps shelters can be expanded to add a form of "emergency boarding",
where someone could take their pet, and for a minimal fee, provide daily
food and frequent visits for interaction until they can find a more
permanent solution.

Paul and Muttley

In article ,
Paul E. Schoen wrote:
I have no love for GW(GlobalWarmongerer) Bush and his cronies, but I also
have little sympathy for those who overextended their credit and expected
an ever-increasing economy to allow them to continue their irresponsible
deficit spending. And now they want the "gummint" to bail them out.

I swear to G-d, Paul, it's almost as if you deliberately
post ignorant, uninformed crap just to get some attention.
Hmmmm.

Anyway, if you really cared about what's going on, most
newspapers have posted reasonably good overviews of how we
got here. Well, if two conditions were satisfied: 1) you
actually cared, and 2) you weren't actually stupid.
--
Melinda Shore - Software longa, hardware brevis -

Prouder than ever to be a member of the reality-based community

"Melinda Shore" wrote in message
...
In article ,
Paul E. Schoen wrote:
I have no love for GW(GlobalWarmongerer) Bush and his cronies, but I also
have little sympathy for those who overextended their credit and expected
an ever-increasing economy to allow them to continue their irresponsible
deficit spending. And now they want the "gummint" to bail them out.

I swear to G-d, Paul, it's almost as if you deliberately
post ignorant, uninformed crap just to get some attention.
Hmmmm.

Anyway, if you really cared about what's going on, most
newspapers have posted reasonably good overviews of how we
got here. Well, if two conditions were satisfied: 1) you
actually cared, and 2) you weren't actually stupid.

Melinda, please, see a health professional and get some help. Take some
meds and become a real human being. But then, you don't give a crap...

Paul

In article ,
Paul E. Schoen wrote:
Melinda, please, see a health professional and get some help. Take some
meds and become a real human being. But then, you don't give a crap...

I don't give a crap because it's an attentional deficit and
it's obviously not interfering with my ability to do my job,
take care of my dogs, and so on. All of which, I might
note, you do really badly yourself. On the other hand, now
that you've won the "Most Likely To Be Found Partially
Digested in Bear Poop" award, you're on your way up!
--
Melinda Shore - Software longa, hardware brevis -

Prouder than ever to be a member of the reality-based community

On Sun, 27 Jan 2008 09:46:23 -0500, Democracy Highlander
wrote:

wrote:

a sad article.

who are the idiots who do these things? they deserved to be hanged
not just lose their homes.

Nearly two million families lost their homes to foreclosure in the
first 11 months of last year after failing to keep up with mortgage
payments, a hefty chunk of which were subprime loans.

The problem with pets is mainly generated by the huge foreclosure rate.
And for this we have to give thank to the greedy financial elites, bankers,
Wall Street, Mr. Greenspan, Mr. Bush and the (former) Republican majority.

Hints:
- Look at the number of sub prime mortgages offered BEFORE and AFTER the
bankruptcy laws were made harder. Sub-primes took flight AFTER the laws
were made tougher.
- BEFORE hardening the laws, going over credit limit automatically froze
your credit card until you payed and explained. AFTER, the credit line was
automatically extended.

The credit industry pushed for this law in order to have freedom to behave
irresponsible knowingly that the law is going to allow them to take away
some risk from their own shoulders and push the extra risk on the shoulder
of consumers. And in their greed for a quick buck, the lending industry did
just that.
Corrupted neocons, play as the money masters sing to them. Therefore, once
having a president and majority in congress from their gang, they
automatically did the best they could to provide more power to their
masters.


Back to pets issue.

The housing lenders, landlords, share a lot of the blame for the big number
of pets dropped to shelters. Most of apartment complexes does not lend you
if you have more than a cat or a small dog. This is their screwed policy.
Only a law to prevent landlords to deny housing for a large dogs owners can
solve the issue. And we need such a law fast !!!

As far as for people locking pets in houses to starve/dehydrate to death,
that should be prosecuted by law. Something like this it is completely
irresponsible, and they should not be allowed to adopt another pet.
Dropping a pet at a shelter should always be an option.


I don't want to see any cats/dogs/birds etc suffer, but I think the
bigger problem is that humans and their children are being thrown in
the street because they were given a loan that the lenders knew were
extremely high risk and might likely not be paid back. Instead of
foreclosure, the banks should be willing to work with the mortgage
holder. The banks end up selling the property for way less than it's
worth. Re-negotiate with the person. In the first 10 years of a
mortgage it's all interest anyway and most of these bad loans are well
under 10 years old. This is a situation that is bad for everyone.

Chris
If life seems jolly rotten
There's something you've forgotten
and thats to laugh and smile and dance and sing!

Chris said in part......
This is a situation that is bad for everyone.
___________________________
I have a friend who has been in the process of going belly up for some
time. It has nothing to do with the current economy or her mortgage.
She has credit card debt, kids, a divorce, etc.
One of her credit card debtors sent her an official document stating
she must fill it out and return it by X. It was to go in front of our
county court.
It was titled "Certificate of Service and Interrogatories in Aid of
Execution".
It is one sheet of paper and requests information about how many dogs
she owns, how much they are valued at, how many titles they have won,
who is their Vet, etc. It doesn't ask about any of her other
posessions. She rents and owns an older car. I was blown away when I
read it. I think it is from Capital One Bank. I am not sure how much
her debt is to them.
She has 1 dog and 2 cats, they did not inquire about her cats. The
dog is a small mix breed and has been to the Vet recently for shots and
a check up.
I could see some poor old soul go with out groceries to keep from
losing Buffy, their beloved pet. My friend put herself in the mess she
is in, but I think it sucks to try to intimidate someone that way. I
know it also sucks not to pay your bills.
Has anyone ever heard of such a thing?


Be Free.....Judy

In article ,
Judith Althouse wrote:
Has anyone ever heard of such a thing?

No. I think it's generally a good policy to get legal
advice before signing potentially very consequential
documents you don't understand. If your friend can't afford
an attorney she may be able to find a legal clinic that can
help her out.
--
Melinda Shore - Software longa, hardware brevis -

Prouder than ever to be a member of the reality-based community

In article ,
(Judith Althouse) wrote:


Has anyone ever heard of such a thing?

No - it sounds very fishy.

--
Janet Boss
www.bestfriendsdogobedience.com

As Licensed Realtor and a dog owner, I am both involved in and affected by
this issue.

Here in the middle-west - considered fly by country, Ohio, we are the second
largest foreclosure state in the country - only behind Michigan.

Having personally run into abandoned animals in properties, it's one of the
sorriest things you can imagine. A miserable animal, waiting patiently for
its people to come home. Driven by hunger, often madness claims them and
it's no time at all before a dog or cat's feral nature takes over.
Heartbreaking. Truly heartbreaking.

As for the subprime issue. I can tell you it affects everyone, regardless of
your politics.

Mortgages backed securities are uninsured investments. Sold off in bundles
to investors, it is their collapse that has contributed in no small part to
the recent drop on Wall Street and throughout the world.

Finger pointers abound, but the truth of it is that with deregulation of
banking, the rise of mortgage companies who could sell a botique of loan
products, along with prospective home owners desiring
bigger...bigger...bigger...(and couldn't qualify for it), you have the mess
you see today.

With loans long sold off from their originators and in the hands of
portfolio managers, government intervention may be a partial answer.

As in most financial crises situations, the vunerable suffer; here in this
case, abandoned animals. Unfortunately, with owners long gone, it is
difficult to prosecute who you haven't caught. That leaves the "clean up"
to the animal lovers.

With a houseful of castaways ourselves, we shake our heads and say:
"there's always dog..."

(the)duckster