I just read on facebook that if you owe less than $ 625k on your home mortgage then you may qualify for the President’s new refi offer.  I hardly know what to say.  I am so pleased that I am under the cap.  I have really been struggling with the decision to refinance my $ 620,000.00 loan on my house.

Friends, if you have a home mortgage that gets anywhere close to a balance of $ 625k, then you need to reassess your living standards.  You dont need a refinancing bailout, you need an ice water enema and a strong reality check. At our age, we really only need about 800 square feet which includes the kitchen, one bedroom and a nice walk in shower.  Anything above that is for the comfort of someone else who should probably stay at a motel anyway.  Why would anyone live in a house that cost that much.  I know, prestige.  However, that concept is way overrated if you are going to have to refinance at a lower interest rate.

We have become two seperate classes of people here in the USA.  One is the group that thinks our country owes them a living and everything that goes along with it.  The other group, which I proudly admit to being a member of, is the group that knows that the federal government doesnt owe me a damned thing.  I have been employed steadily since about 1961 and part time for a few years before that and pretty much think I have earned every damned thing I have.  I may have had some help along the way and cant remember not thanking any of those folks that helped out.

We keep hearing that we are facing massive budget problems.  I can remember in our early days of marriage when a budget problem was making $ 1.00 per hour working nights at a Texaco gas station and having the owner taking shortages out of my check because I was the night manager.  By God, that was a budget problem.  We are being told that one group is to blame and then the other.  Both are up to their ears in the blame cesspool.  I have a long memory as some of you may have surmised.  I wont get to vote for every one of these hoodlums but the ones I do see on my ballot will get assigned the blame they deserve.

Chuy the disgruntled