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I am all for helping those who legitimately need help. I am not for giving someone a free ride. For those facing foreclosure due to unexpected circumstances like a serious illness, job loss or even death of a spouse, my heart goes out to you. However, the reality is not everyone can or should keep their home. If your mortgage payment is more than 1/4 of your net pay per month, you are probably living beyond your means. I don't even have a problem with getting into a house with little or no money down as long as you're not up to your eyeballs in credit card debt. The VA has offered no money down loans for decades. I have taken advantage of this opportunity myself and it certainly doesn't mean I was irresponsible with money or not prepared to be a homeowner.<br> <br> I am so tired of paying for others' irresponsibility. It seems to me, this is no different than paying for someones health care who chooses to have a 52" plasma television and a $50,000 SUV rather than pay insurance premiums. Again, I am not talking about those who really do need help but rather those who refuse to prioritize needs verses wants. If you don't have insurance but you have cable, a cell phone, high speed Internet and a car that's under 10 years old OR you bought a house even though you have to occasionally put groceries on your credit card - don't ask me (or the government) to bail you out!
By Erin Quirk
