Category Archives: General

Politically incorrect opions on things people face in normal everyday life. Life is what you make it and stupidity in life generally leads to stupidity across many things affecting the quality of life.

$11 for a Pack of Smokes in NYC!

In an effort to close the budget deficit a pack of cancer sticks will now cost an average of $11 a pack in New York City.

Yeah, I know, smoking is bad for you, causes cancer (hence the term cancer stick) and is no longer socially acceptable. However, $11 a pack is just insane. Granted I am a smoker but should it really cost me that much to kill myself?

You have to love the New York City way. Tax people to death; increase the cost of service while cutting back on service. Granted there will be people who quit due to cost but there will also be many who will continue to smoke while bitching and moaning about the cost. Those people will continue to “cough up the money.”

I wonder if the geniuses in Albany took into consideration approximately how many people would quit smoking due to the increase and what that would mean to the tax revenue?

Charter Bus Routes?

There’s nothing more than I love than an entrepreneur. With the City of New York cutting back on public transportation leave it to a guy from Brooklyn to come up with a way to make a buck in these hard economic times.

The guy is Joel Azumah and he plans on running 10 vans along 4 defunct city bus routes. Hey, the City is no longer using the routes so why shouldn’t he cash in. Just because the City stopped running those lines doesn’t mean there aren’t people who still need them.

Of course he received a cease- and- desist from the Department of Transportation stating that he does not have a franchise agreement with the City and he’s not authorized to pick up people on the street. Now this is what I love about this guy. He states the he’s running a public charter service and all passengers he picks up are members of his Apple Core Transportation Club.

It’s not like the City of New York has any plans to reinstate these bus lines, at least not anytime soon. Why shouldn’t he be able to do this? It’s not like the City gave a crap about all the people who rely on those bus lines.

If I ever met this guy in person I would 100% shake his hand and give him a pat on the back. I think he’ll need it as I have a feeling that the City will try and make an example out of him for the others who have thoughts about following in his foot steps.

Walking Away From Your Mortgage

It can be argued, quite effectively, that mortgage lenders wrote many loans that should not have been written in the first place. This is nothing new and has been well publicized in the papers as well as news broadcasts around the country.

However, I’ve been reading more and more about people just simply walking away from the mortgage. Many homeowners are finding that they owe more on their mortgage than the home is worth or even after a loan modification they cannot keep up with the modified payment.

Today I came across an article in the New York Daily News in where a homeowner stated that it’s not fair that he’s making payments on a home. “It’s not fair that I have to pay this for a one-and-half-bedroom home. It’s not worth it.”

I am not arguing the fact that mortgage lenders allowed people who couldn’t afford homes to purchase homes but where does personal responsibility come into play? This mentally challenged or non politically correct term of retard feels he’s paying too much for his home even though he knew what he was getting himself into. Even if he had an adjustable rate mortgage he had to know that his payment was going to eventually increase!

So if you can’t pay your mortgage, walk away from your mortgage? Again, I’m not arguing that mortgage lenders put many of these people into a non winning situation but the idea and promotion of a person walking away from their mortgage really gets under my skin.

Let’s say a person knows that after taxes he earns $2,000 a month. He signs on for a mortgage with a payment of $3,000 and it’s the total fault of the mortgage lender? NO! This person knew he couldn’t afford the mortgage payment let alone property taxes, homeowner’s insurance, heating and cooking gas, utilities and all the rest of the monthly obligations and expenses that comes along with home ownership. Hey genius, how about daily living expenses and that other thing everyone needs to live on. What is that? Oh yeah food!

So this moron signs on for a mortgage payment he knows he can never afford to begin with yet I’m supposed to feel sorry for this moron. In reality there is no need to feel sorry for him as he can simply walk away from his mortgage. “My home is only worth $200,000 and I owe $350,000 I should just walk away from my mortgage.” People like this should not be able to simply walk away from a mortgage.

This mortgage should follow him like a case of herpes. Let the bank foreclose and sell the property at auction. Whatever the difference is between the sale price and the outstanding amount on the mortgage should have to be repaid or least half and in no way should be forgiven. Banks are not in the business of foreclosing. Instead of walking away why not ask the lender about a short sale?

There is a big difference between financial situations changing and knowing that you couldn’t afford the mortgage to begin with. No one and I mean no one should be able to simply walk away from their mortgage.

Dear Loser Who Is My Parent!

Hello Loser Parent

Dear Loser,

“Dear Loser,
 
Why did you have me? You spend no time with me, never read me a bedtime story or ever talk to me. I’m a freaking baby!”
 
“I need someone to love me, play with me and to make sure that when I grow up I can have a better life than you did.  I’m not the one who told you to spread your legs or not wear a condom! I didn’t ask to be born, but here I am so step up loser.”
 
“Stop blaming everyone for your life! I’m a baby and it’s not my fault you have a Good Enough Diploma A.K.A. G.E.D., work at a fast food joint, have enough money to smoke weed but not for my diapers or that we live where you we do.  I’m your responsibility whether I like it or not.” 
 
“I’m here so deal with it so and do this for me. Put the drugs down! Get a student loan and go to college at night while you work to support me. Get a degree and get a good paying job! Raise me the way you weren’t so I can become something more than you are. Teach me what you did wrong so I don’t make the same mistakes you did.”

 

“Until you step up and do things right you will always be a loser in my eyes. If you care for me do what I ask. If you don’t then do the right thing and give me to someone who wants me before children’s services comes and gets me.”

 

Sincerely,

 

The Baby of a Loser