Forum Post: Home is a Park
Posted 12 years ago on Dec. 4, 2011, 11:16 p.m. EST by reality101
(61)
from Bradenton, FL
This content is user submitted and not an official statement
I have seen so many miss guided answers so I thought I would like to define Home as it is today.
From WIKIPEDIA
A home is a place of residence or refuge.[1] When it refers to a building, it is usually a place in which an individual or a family can rest and store personal property. Most modern-day households contain sanitary facilities and a means of preparing food. Animals have their own homes as well, either living in the wild or shared with humans in a domesticated environment. "Home" is also used to refer to the geographical area (whether it be a suburb, town, city or country) in which a person grew up or feels they belong, or it can refer to the native habitat of a wild animal.
So A PUBLIC PARK becomes a HOME because it is a place of REFUGE
Then there is the old saying "Love not money makes a house a home"
The police and Banksters can evict you from a house. They can never evict you from your home.
OWS "HOME" will be where ever there is LOVE. It travels with you and occupies the physicall space surrounding you and your friends, as a PUBLIC PARK, an empty lot, a forclosed house, an empty school.
I believe it is my moral obligation to help the homeless and I believe that there will be no peace for the 1% untill the 99 % can have a "Home".
No ammount of police force or threats will stop OWS. Just look arround at Egypt, Libia, Syria and see the road we are all on. The only question is "How far and how much pain must everyone endure before the 1% learns it is in their OWN best interest to help the 99%. As this UNITED STATES society crumbles thru greed, corruption and takes on all the traits of the uncivilized THIRD WORLD, remember I told you so.
I have been there. I have lived and worked in the THIRD WORLD. It's not pretty or safe, regardless of the Walled Compound you live in.
Your moral obligation to help what kind of homeless?
Yeah, and you all need to park your asses here!
http://occupywallst.org/forum/make-a-stand-join-the-clan/
The Revolution starts here!
A park is not a house. You are trespassing on city property. You deserve to be kicked off. If the cops really wanted you off, you would be out of there in under 10 minutes from start to finish.
I never said a park was a house. I wrote a Park is a HOME a place REFUGE. HOME is an place of security.
A HOUSE is a structure thats why you can evict someone from a house.
Persons that are evicted by the Banksters go to a new HOME the Pubhlic Park that they have paid for thru all the years of property Taxes.
Shame Shame Shame on the Politicians, Banksters and Police.
Yes Tiny Tim SCROOGE exists.
Hay man, you can sleep wherever you want. That's why God created shotguns.
Okay. A park isn't a home either. it is city property. There isn't a park in the country(outside of ones with camping obiviously) where you're allowed in after dark. Non of these idiots are under these conditions. They need to be sprayed down(the right way. I don't know what that cop had, but it was not the good stuff), and thrown out. Even normal people can't go to work in some cities. And too those self indulgent shitheads I say fuck you. These people WILLINGLY signed those papers to get them into a house they knew they could never afford. And no,they don't get thrown into a park. They figure something else out. It's not like the bank randomly(because multiple notices are sent, if these asshole want to ignore them, well, that's whatcha get) shows up with shotguns to kick them out. These people are worse than the "banksters"(retarded phrase, btw), cops(regular people doing their job), and politicians. They willingly, and knowingly defraud the bank.
So you blame the bank for evicting someone because they are not paying the mortgage they took out?
No I blame the bank and wall street for creating the conditions that caused the people to loose their home.
Many people lost their homes because the Banks convinced everyone (easy money to be made- no experience necessary). You could buy a house and get a 6% mortgage. With house pices going up 10% to 15% a year it is a no-brainer.
A $200,000 home goes up 10% in value..to $220,000, The interest is only $10,000, You live for free and make $10,000 profit...yes a no-brainer.
When the HOUSING bubble broke millions of home owners got caught thru loss of jobs. The Buble NEVER should have been created and would not have been if the Banksters had continued to require 20% down for conventional loans and 30% for investment proiperty.
The Housing Bubble got temporary construction jobs.. When reality finally settled in the banks got bailed out and the Evicted/Homeless were thrown out of the park they paid for.
But really, I know how much money I make. I know how much the house I want costs. I know how to do simple math and figure out what my mortgage is going to be. Also, I don't think it is a difficult thing to look at what every kind of loan you got to know that a fixed rate is a a fixed rate, a 5 year swing arm changes based on the market at the 5 year mark or a 7 year swing at the 7 year mark. That is all basic and simple to figure out so where does personal responsibility come in. The old saying if it seems to good to be true it probably is should have come into play with alot of these folks before they signed the papers. I don't like paying my mortgage every month but I do it an I knew what I was signing up for when I signed it.
I agree with you 100%. You and I were responsible.
But here in Florida a painter who was making $12,00 hour lived in a rental unit. When the Boom hit the construction companies paid him $25,00 to $30,00 per hour. His wages doubled or trppled.
His yearly income was over $60,000. Given no down payment, and other financial tricks,-like raising the price of a house by 20% and then showing that he had a 20% down payment qualified him to purchase a house. Brand New the dream of a life time.. It was the Plumber's helper who was making $8,00 was now making $16,00.
Besides there were no risks. Ask any bank. The home the painter bought could be sold next year for a hefty profit. Just imagine $10,000 in profits and out of the rental market.
Hyper-Building stopped, painters lost their jobs, engineers lost jobs, architects lost jobs. All three are homeless. Now is it the engineers fault or the architects fault or the banks fault?
The Sad part is--This did not have to happen. A slow steady growth in our economy would have allowed the American Dream of home ownership to continue for everyone. I blame the Government, Wall Street and Corporations for this crisis not the painter, the engineer or the architect.
My belief is that it is both parties fault. The banks that allowed the loan to be approved under those policies as well as the buyer who was willing to take such a risk not knowing what the next 10 years would bring. You never buy property with the thought that it is a going to turn a profit for you when you decide to sell. To believe that is foolish. No disrespect but Florida and California are the last two states I would ever consider buying a house in anyway simply because of the insurance issues in both states that have existed for years. I once looked at buying a house in Jacksonville. Once I actually looked into the insurance process, I quickly decided that it was a bad bad idea.
Insurance is a major problem in forclosure.
The bank requires you to have insurance. If you do not have insurance they are allowed by law to "FORCE" place it. No shopping required by the banks for the lowest price. The cost is added to the monthly payment. Can't afford the new rate and fall behind --you got it foreclosure.....
Now the next dirty secret... Who buys these forclosed homes...The Bankstrer's cronies at 35% of the original price. Very few of the ordinary 99% can get a mortgage in Fl. And yes you may owe the IRS the taxes on the 65% of the mortgage amount. So the home owner looses any equity they had and owes the IRS taxes.
For all who might not know this ..you cannot get rid of IRS taxes thru bankruptcy. quickie example
$300,000 property before bubble with $200,000 mortgage Bank Forclosed sold at auction for 35% of value $105,000 - no money made available by banks Owner looses $100,000 equity and has a IRS tax burden on the $95,000 at ordinary income rate.
The banks "Losses" are covered by our Government and actually will recover more than the original mortgage amount. This is also why the big banks do not want to restructure your loan or lower the principle.
The Insurance Industry is also a major Lobbiest Group in Florida.
You gotta have insurance for a car too. If something happens, and you don't have insurance, the bank has to eat it just as you would if you were uninsured. How do you know the "bankster"(still a retarded term, btw) cronies are buying these places?? I've bought stuff at government auctions, as have other people I know. If you can get a house cheaper, why not?? Not my fault these people think a job a McD's could pay off a note like that. I think more people than you think can get a mortgage(any facts on that?? Not just being a know-it-all??) in Fl. They have rich and very poor areas. If you owe taxes on the property,it's on you, just like if you buy a car, you have to pay taxes on that. Being kicked out doesn't absolve you of you responsibilities.