Being sued by Citi Financial

[debtmonster]

My furnace runs on Amsoil and it only costs me $72/month. If I used Mobil 1 in the furnace it would cost me $160/month!

You're learning!

Now I am just trying to figure out what causes people to complain that they are broke and not lift a finger to save money. It's like people just love being masochists and do self-inflicting pain on themselves.

[OhioFiler]

It gets down to about 18-20 degrees where I live and my electric bill to heat the home has peaked at $150. Why can't people up north just copy my set up instead of paying $300-600/mo. for a heating bill?

Why don't people gut their houses and double or triple the insulation? Wouldn't that be cheaper than spending $500/mo. on heating, year after year after year?

My furnace runs on Amsoil and it only costs me $72/month. If I used Mobil 1 in the furnace it would cost me $160/month!

[debtmonster]

It gets down to about 18-20 degrees where I live and my electric bill to heat the home has peaked at $150. Why can't people up north just copy my set up instead of paying $300-600/mo. for a heating bill?

Why don't people gut their houses and double or triple the insulation? Wouldn't that be cheaper than spending $500/mo. on heating, year after year after year? These sound like the same people who refuse to use Amsoil. They just don't sit down and do the math. Wouldn't it be cheaper to tear the walls out, put insulation and put the walls back and give all that money to the oil companies? I don't understand why people are all such masochists that LOVE to blow money for nothing.

[Willy13]

I love old homes, too... But I love having my electric bill for heat or cold be $80-120. They can KEEP that $400-500/mo. heating oil bill up north. NO THANKS. That's like a payment of a nice car for that crap.

Hi efficiency Wood Stoves are a wonderful thing. A little work but oh so cheap.

[debtmonster]

uh oh...I predict a potential epic Debtmonster-real estate value thread coming...

(jk...I<3U Debtmonster! )

I would love to... but I don't have a lot of experience in that yet, otherwise I would get into it.

[2Bshinyandnew]

What changed between 2003 and 2004 construction-wise? There are some great old houses for sale cheap with beautiful trim and detailing that is never duplicated in today's building industry. I love old homes!

uh oh...I predict a potential epic Debtmonster-real estate value thread coming...

(jk...I<3U Debtmonster! )

[debtmonster]

a house should cost the retail price of materials plus labor to build it and not a penny more. Land is what tends to become very overpriced. $100 grand and acre like in my area is rediculous.

amen to that

[debtmonster]

I love old homes, too... But I love having my electric bill for heat or cold be $80-120. They can KEEP that $400-500/mo. heating oil bill up north. NO THANKS. That's like a payment of a nice car for that crap.

[Willy13]

A house should cost the retail price of materials plus labor to build it and not a penny more. Land is what tends to become very overpriced. $100 grand and acre like in my area is rediculous.

[OhioFiler]

I seriously doubt any of those $3,000 homes are 2004 construction or newer, have a 2 car garage or 2,000 sq. ft.

I would be glad to pay $50k for something like that.

What changed between 2003 and 2004 construction-wise? There are some great old houses for sale cheap with beautiful trim and detailing that is never duplicated in today's building industry. I love old homes!

[Willy13]

Here is an example of the real problem. People want housing prices to go up. If you ask me they still need to come down some more and then stay there.

Housing to Median income

http://www.ritholtz.com/blog/2009/02/us-existing-house-price-median-family-income/

Then there is Health care which isn't much better.

http://www.newamerica.net/blog/new-health-dialogue/2008/cost-rising-health-care-costs-cut-take-home-pay-2975

I can not verify the accuracy of these pages but I have a feeling they are close to reality.

We need to rethink how we value necessities (Housing,Healthcare,Energy) or poverty and virtual slavery is all we will have in our future. I feel like we are being exploited by other people holding us hostage by using the things we need to survive against us. All so some fat cats can make a fat profit for basically doing nothing.

[debtmonster]

There are homes for sale in this area for $3,000. I could get you into a decent home in a great school district for well under $80,000.

There are plenty of new cars around the $10,000 price point.

I seriously doubt any of those $3,000 homes are 2004 construction or newer, have a 2 car garage or 2,000 sq. ft.

I would be glad to pay $50k for something like that.

[OhioFiler]

I chose to want the median price of a home in this country to be $80k and the median price of a new car to be $10k. the way it used to be in the past.

Too bad I can't make this choice.

There are homes for sale in this area for $3,000. I could get you into a decent home in a great school district for well under $80,000.

There are plenty of new cars around the $10,000 price point.

[shabam]

I chose to want the median price of a home in this country to be $80k and the median price of a new car to be $10k. the way it used to be in the past.

Too bad I can't make this choice.

That is not the choices he is talking about though. While I will be first to say that the rich and large corporations manipulate the market and system to their favor, they are not the one to blame. How many people look at where a product is made when shopping? How many people chose to abandon the Mom and Pop stores and head to the ultra cheap Walmart. A store where people like them, ironically, are paid almost nothing.

If the average person is not smart enough to understand this, well then too bad. The average person is now suffering the consequences of their actions or lack of. Much like this thread where a bank asking for a bailout is also suing a customer for being 30 days late on a payment.

Maybe in the future rather than focusing on irrelevant garbage such as how my sport team is doing, whether it is getting into the super bowl, what million dollar actors and athletes are doing, driving the latest DumbiUV we will actually look out for and care for one another so we won't be in this mess again.

[debtmonster]

The cost of living in this country varies by choices we make.

I chose to want the median price of a home in this country to be $80k and the median price of a new car to be $10k. the way it used to be in the past.

Too bad I can't make this choice.