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Melody, "Just curious as to why you would essentially financially 'punish' someone who has invested a lifetime of study and gone into full debt, usually likely to help society in one way or another, from being first time buyers?"
Anyone who goes into debt is in one of 2 categories.
1 good debt. It gets you something that makes sense that will pay you back usually with interest. Examples include student loans as long as the job will pay for the debt and more. A car so you can get to work to earn money.
2 BAD debt. Buying pizza on a credit card because you can not pay for it with cash. Getting a loan to go on vacation.
There is no such things as "helping society" People choose jobs for many reasons. Some are personal. "I want to do this" Some are financial "It pays well" some are combinations. People do jobs that pay enough to justify the training required for that job. No one I know works for free. That is the only way that society would be served. FREE labor. But we need to earn money to live in this country.
I do not believe in making programs targeted to certain minorirues. That includes income, job type, age, disability, and so on. All people should face life with the hand they have. They should not expect someone else to bail them out because they have some problem in life. It is not fair.No one should get favor because they suffer from something. We all have problems. I myself fit in at least one of the categories you listed. But do not want to be considered special for it. Let me compete with everyone else. No special treatment is wanted or needed. The government policies of the past decade have hurt me terribly. I could ahve bought a house many years ago without the policies that created the housing bubble. Give me a chance. Let prices fall to reason once more. Please give me a chance to buy a house of my own. No more interference with the opportunities I should have had but the governemnt took away with their policies that ironically enough were supposed to help me.
In simple terms, please. Explain why I should subsidize your desire to own something.
Why should my trash man (or whatever progressive and politically correct/better classification) who makes $15/hour working a hell of a lot harder than some career student who has spent the better part of his or her young adult life being indoctrinated by those who quote Che, Chavez or Gore be forced to further sacrifice the future of his children so that the career student, who has spent summers backpacking through France, can buy shelter. For the record, my "trashman" works weekend cutting grass, trimming trees, etc all year. He did so this summer, here in Florida, while all those society helping, entitlement minded, academics visitng Paris or the Cote d' Azur, sat around sipping coffee, wine or whatever. These same bright minded students then come back home and tell us how much better it is over there without any respect or understanding even as to why "over there" is even in existence today nor do these young Americans have a clue what it is really like to be born, raised and try to make it over there.
Enough with the entitlement mentality at my expense.
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John Byrd and Karin Olsen, "John and Karin"
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