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Exclusive: America Has Now Become a Nation of “Tent Cities”

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posted on Dec, 14 2013 @ 10:39 AM
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OrphanApology
Anyone who takes a mortgage or a loan is living beyond their means.


You are right, and I understand that... NOW. I've avoided unsecured debt like credit cards, but thought collaterized debt was okay. It's not. In the final analysis, all debt is servitude. We just don't realize it until it bites us in the rear.

Unfortunately, we've become a nation of debtors and gamblers (that's pretty much what the stock market has degenerated to), and we live according to what we can borrow... not what we can afford.




posted on Dec, 14 2013 @ 10:44 AM
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beezzer
I've seen many posts where banks, bankers were to blame. Politicians are to blame.
And that seems to be the problem.


Which came first, the chicken or the egg?

I agree that our congress critters are the ones responsible for legislating and making the laws that we and the banksters live by (at least in theory), and therefore it is our congress critters who must change the laws... but there's plenty of blame to go around. Banksters are not innocent bystanders, and must be held accountable for their criminal malfeasance as well.



posted on Dec, 14 2013 @ 11:14 AM
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justreleased

I wish no ill will toward anyone.


I believe you, but your words tell me that you don't understand what you are speaking of. Are you willing to open your mind and just consider that the world is not what it's been portrayed? That we've been fed a packet of lies to keep you angry at your fellow Americans first? As in divide-and-conquer? Please???


justreleased
The people who accepted the huge loans from the banks caused the housing market crash, not the banks. If those people had paid their agreed upon loans there would have been no crash. Simple stuff folks.


How I wish it were that simple... But it's not.

Yes, there were people who bought too much house for their budget... and since the crash, so many people who lost their jobs and could no longer afford their home. There were also many many would-be flippers who exploited the relaxed HOME loan requirements for investment purpose and failed miserably, leaving the rest of us to pay for their bad investments. (In my neck of the woods, it's been estimated that in 2007, 2/3 of all mortgage applications for HOMEOWNERS actually went to INVESTORS. They had nothing really invested, it wasn't their home so they could walk away.

But more important are the many many people whose homes were stolen out from under them, by banksters who had no investment in the loan, and therefore absolutely no risk, plus the government (we the taxpayers) guaranteed the loan, and who made much more profit by foreclosing than by servicing the loan as agreed.

Add to the mix that our mortgage notes have been lost and/or destroyed by the industry, and therefore it is IMPOSSIBLE to even prove the terms of the loans. Remember all those folks screaming that the terms of their loan was changed? Often from a fixed rate to an adjustable rate, putting the payments out of reach for the borrowers. These were called "predatory loans," and certain parties claimed these folks were too stupid to know what they signed. But it is impossible to know that. The ugly vile truth is that no one knows what the original terms were because those original signed notes are gone. Remember the "produce the note" defense? This wasn't just a legal technicality people were trying to use to avoid a legitimate foreclosure. These were people crying foul.

I suspect that's the real reason for the crash in 08. The truth was catching up to them, and they had to do something quick and drastic to hide the truth. After the crash, the face of the fraudclosure changed, as ever more people were driven into financial trouble and sought help. But the truth is still there for anyone who wants to see. From forced place insurance, to fraudulent loan mods the banksters never intended to honor, and on and on, homeowners have been screwed, blued and tattooed.


justreleased
People need to accept responsibility for their mistakes.


Yes, we do. Including our gross dereliction of duty in protecting the property rights and contract rights of the people, and bringing the criminal banksters to justice. And if we don't, you and everyone else that doesn't understand the criminal dynamics driving our economy (and our congress) will soon learn the hard way. I wish to high Heaven that we still lived in a world where hard work and perseverance is rewarded... but we don't.

Take a good hard look at the fraudclosure settlement between the state AGs and the major banksters... No criminal charges, the terms have already been violated, and the banksters only agreed to halt their fraudclosure ways for three years.... and that's almost up... What do you think will happen then?

Google "mortgage notes + destroyed + lost" and you will find plenty of links... but none to the MSM... why is that? Because the media is protecting the criminals!

Think about the NSA... blackmail... threats of criminal charges... secret gag orders... secret detentions... who with intimate knowledge of the massive fraud will come forward?

Sadly, this is just the tip of the iceberg. None of us are immune from the greed and avarice of the banksters and our politicos. NO ONE.

Everyone reading this: Please -- PLEASE! -- look into this yourself. Know the truth. Deny ignorance. Let's stop blaming our fellow Americans first. Let's get this done.



posted on Dec, 14 2013 @ 12:07 PM
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reply to post by justreleased
 


So many of the things that you've said are just wrong. Factually wrong. When the economic dumpster-dive happened the PR engines immediately began pointing the finger at 'people who bought homes they knew they couldn't afford'. Like all good PR that was repeated ad nauseum to ensure that it was woven into peoples' minds. It took some time for the truth to start coming out. Banks and mortgage companies were committing fraud by falsifying applications and steering people into higher interest, riskier loans; rating agencies were complicit by fraudulently over-rating MBS's and violating even their own ratings policies; the investment community was soulless in their MBS activities. It was wholesale fraud.

How did it happen? After the '30s Depression a number of regulations were enacted to curb banks' abilities to make risky investments, make them keep a larger percentage of outstanding obligation on-hand, and to protect consumers and their savings. They relentlessly lobbied the government to remove these restrictions so they could share in the Wall Street feeding frenzy as the economy began heating-up. Given their combined money and influence it was no surprise that they succeeded. So now, instead of making their profit on the interest charged on loans, they were free to invest in the markets and were required to keep less 'cash' on hand to back loans/investments. Working with the investment community all sorts of exotic investment products were cooked-up. There was no oversight. The government (the people responsible for looking out for us by keeping a watchful eye on the banks and Wall Street) was asleep at the switch. I mean, for the love of God, only a few months before the whole thing came down, both then Pres Bush and Sen McCain were saying that the economy was 'fundamentally sound'. Really? Shouldn't they have KNOWN that things were circling the drain? Warnings were being shouted everywhere at that time. Were they clueless or complicit? Execs at Enron did exactly the same thing and went to jail.

So these bogus investment products blew-up and HUGE financial obligations became due-and-payable the banks were screwed. It wasn't because people weren't paying their loans. They couldn't pay their casino tab. Their behavior was grossly irresponsible by any standards. But did they take responsibility for THEIR actions? Hell no. They went to us --- the tax payers --- to bail their sorry asses out. And their cohorts in government obliged.

The economic mayhem THEY created then came to roost on all of us. Businesses closed, jobs were lost, personal savings were emptied, homes were taken by the VERY people who caused the mess. We suffered because of THEIR irresponsibility.

I was among those that got screwed. I had a business of over 10yrs that was solid. I lived well within my means. When the economy got squirrely I began to 'batten down the hatches'. Bush and McCain told me 'no worries everything is fine'. It wasn't. My clients started to be impacted. 3 went bankrupt. My business collapsed. Our savings and resources were quickly exhausted. As a small business owner there was no unemployment for me. As you may recall jobs evaporated. We found ourselves in the foreclosure process and were only a couple weeks from losing our home. I took every small job I could find. We were buying diesel by the 5gal jug cause we couldn't afford heating oil to be delivered. We kept our house at 50deg (up here in New England). I didn't find another 'real' job until 2011. I have a number of friends who weren't as lucky.

So by your definition I guess I'm one of those 'irresponsible' people. Sorry man, you're dangerously clueless.



posted on Dec, 14 2013 @ 02:47 PM
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reply to post by Boadicea
 


Well said, Boadicea. The foreclosure crisis was actually a subject that came up a number of times while I was back in college for an accounting degree. If I recall correctly, there was an investigation performed by the California DoJ that found that nearly 85% of the mortgages drawn up in California during the housing boom had some sort of fraud occurring. Unfortunately, there used to be links to this, even on the FBI site, but they're gone. The level of fraud in California alone actually generated a legislation called the SAFE Mortgage Loan Act in response to assure that brokers and others involved in home lending be licensed professionals and submit to a background check. There was very significant sketchy things occurring in mortgage loan generation including, yep, not even knowing who actually holds the loans or even the original terms. It's terrible.

Robo-signing was being heavily encouraged by some banks, but most notably in Countrywide, in order to generate as many loans as possible. These loans would be cut up and packaged together in such a way as to give them an A rating for re-sale (called a CDO). This happens with just about all forms of credit from mortgages to credit cards to car loans. Selling one's accounts receivables is big business.

Soficrow--Yep, tent cities have been around since the early 2000's. For years, Bush would not state that we were actually in a recession, even when cornered by a savvy reporter now and then. Here's a fun fact for people to consider: When the Financial Crisis of 2007/8 hit, home prices rapidly dropped by 33%, faster and by a greater percentage than the housing drop due to the Great Depression. To many, we were already in a recession when this occurred and I hazard that what we are actually attempting to come out of is actually a depression. But if we call it a depression, well, there goes public confidence in the markets. A prof once said that the big concern voiced by a Goldman Sachs executive that she had a meeting with was "public confidence". It's really the only thing that is keeping our markets up.

If we pretend that we're not in a depression, are we in a depression?



posted on Dec, 14 2013 @ 03:38 PM
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justreleased
reply to post by nighthawk1954
 


I think people are just lazy. They want a home, a car they want to go on vacation but they don't want to work.

For most of us it's a fact that if you want a paycheck you need to work for somebody else . Don't tell me there's no work available because that's bs. It may not be the job you want but I'm sure it's better than living in a "tent city".


It depends on the size of the city and the availabilty of land to build homes. If there plenty of surrounding land, then there is an affordable trade-off between commute distance and house price. But start adding the complexities of multi-cultural neighbourhoods, then the choices become more restricted. Now there is China-town, Korea-town, Little Somalia, all these other areas where English is not the first language.

Silicon Valley has plenty of jobs, but the problem is that it is a huge 40 mile long peninsula between San Jose and San Francisco with little downtown cores for a few blocks every five miles. Everyone really dreams of living in a nice neighborhood in San Francisco and working in an office above those cafes and restaurants. That has the problem of pushing up rents and home prices in San Francisco. So the trade off is to live in those surrounding counties.

The same applies to Los Angeles. If you look at the demographic maps, you'll see that every city has a dominant ethnic group. So if you don't have a well-paying middle class job, you won't be able to live in a safe neighborhood.



posted on Dec, 14 2013 @ 11:16 PM
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SpaDe_

fenian8

beezzer

fenian8
Beezer, i have seen your posts on ATS a lot and have always read them and come to the conclusion that you are a well balanced, understanding, compassionate and knowledgeable human being. Until this thread.



I'm the same person that I've always been.


Well fair enough and Merry Christmas from someone who can`t get work, can`t afford running hot water in my own home let alone heating, will not be having a turkey dinner this xmas day and can`t afford to go and spend time with relatives this coming festive season, nor them with me.

If only i had your spirit and good fortune hey.

Maybe if a few million other people had your spirit, good fortune and attitude we could accomplish an idealistic world with decent paid jobs for everyone, no matter what their circumstance or disabilities may be and we could pretend that poverty and the reasons for it don`t exsist anymore????

Brilliant. Again, Merry Christmas.


Can't afford hot water, heat, or turkey dinner yet here you are on the internet?


What a spiteful little human being you are.

I wouldn`t normally even respond to such an immature childish statement. I certainly would never give out my personal financial circumstances but however, this once, i will give you one little glimpse of what poverty, people like myself live in. This is in no way a `poor me` boo hoo reply, more a reply to hope that you can understand there is real poverty, even where you live.

:0:0:0

I could give you the full spectrum of what life is like, living in the s@@thole i live in. Only in the hope that, while your sat looking down from your ivory towers and showing us poor `uns how privalliged we are to even have the internet, you might and i repeat MIGHT, get a real view of life on the bread line....

In a nutshell, so i don`t insult your privalliged and condescending stance on this subject,

Yes i can afford the internet, it`s £3.50 a week, pound and pence where i stay.

Now i reckon thats around, give or take $5 a week.

This allows me to keep in touch with my sons, keep up with news, pass on my CV via email and keep up with the various programmes the Employment Agency tell me i have to do to enable me to keep getting income support.

My gas, which runs my heating and hot water, i pay, well did, £5.00 a week for. However i am using emergancy credit which i get a daily fine for, plus the daily standing charge on top which means that out of £5.00 a week gas i actually get £1.50 real gas. I would post pictures of my meter lol.

This gives me 1 bath and 2 washing the pots a week....or 2 baths no washing the pots a week, or 4 washing the pots but no bath a week and i still give 3/4 of my money to the power company in arrears.

Basically i go a friend whos got electric and take a shower there. He doesn`t mind and although he lives in poverty he has an electric shower. He will survive as do I.

Now i would rather keep in touch with my sons, (they desperatly need it) and have some form of entertainment, plus keep up with the government etc telling me to go online with everything if i want to keep my handouts than have heating and hot water. I live on my own. Even as i type i have a hoodie on with a quilt wrapped round me and my dogs at my feet keeping me warm.

I do not have cable tv or a 50 inch plasma screen in my house. I can`t afford it. I worked all my live since i was 15. I had my dogs when life was such that i could afford to feed them, no problem.

Heating ha ha ha ha ha. I have single glazing with holes in the windows and my doors don`t fit there frames so out of the £1.50 gas i have it would be blown out of the window/doors.

Turkey dinner????? You having a laugh?????? Thats the last thing on mine or my friends minds is a turkey dinner for xmas day in all honesty. I was making a point. You enjoy yours. Us lesser people will probably have a laugh a smoke an a drink instead.

BTW i don`t live on a heavily funded council estate or suburban estate. I live in the inner city of Manchester, in the north of england, in a house i have to pay tax on because of the extra bedroom and i can`t get out of because the council have no suitable accomodation and the private sector won`t accept DSS.

This is a mere millimeter of what any given day is like.

So yes I can`t afford hot water, heat or a turkey dinner at xmas, but i can afford the internet.

Also i`m very proud of who i am, regardless of circumstance, i love my friends and family and the sheer SPIRIT we show regardless of what the date is or what luxury we live in because we have internet access.

Have a Merry Christmas SpaDe_



posted on Dec, 15 2013 @ 12:15 AM
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justreleased
"The people who accepted the huge loans from the banks caused the housing market crash, not the banks. If those people had paid their agreed upon loans there would have been no crash. Simple stuff folks".


Its called predatory banking

They bombarded people with promises of easy money they lied through their teeth they did everything they possibly could to fool people into debt every underhanded trick in the book!.

They used TV, radio, billboards, calls, emails, letters just about anything to snare anyone in their debt slave traps.

They preyed on everyone they sucked out every penny they could gambled it away then forced us at gunpoint to bail them out.

Its called predatory banking and it is financial terrorism quite simply it is the biggest threat that society faces.



posted on Dec, 15 2013 @ 01:09 AM
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Economics is anything but an exact science. There are a host of pet theories that hold sway until they prove to be unworkable then the process of trying to find some other theory that fits begins anew.

All of the last several lengthy posts are true as they cover the aspect of the economy that the writers know well enough to expound upon. In that light they are all right.

An "economy" is an organically grown thing. It can not be grown out of an edict or a 5 or 10 year plan. It MUST come into existence on its own or it will die an early death. The zombie economy of the late Soviet empire shows that one can be kept on life support for quite a while but eventually the decay becomes too much to ignore, the underground economy eventually becomes the de facto economy and, ultimately, some kind of revolution occurs, violent or somewhat quieter.

I don't know if anyone has quoted H. Ross Perot's "Giant Sucking Sound" speech in this thread yet but it would be a better place to start rather than some time in the mid 2000's. That sound has become a part of our natural economic environment. So much so that we simply accept it as normal now. The base job market that supplied the incomes that paid for everything, just about, in America has been shut down by the corporations that bought all of the politicians and the banksters that bankrolled them. Our manufacturing industry that was the best in all the world that came out of WWII has been decimated by every corporation that cares only about the bottom line. No one remembered that the way the people would pay for their products was only when they had a job in the manufacturing industry or one of its many layers of support industries. America has been hollowed out and is very quickly being left for dead.

It doesn't really matter that The Left has been attacking our moral base since the 60's and redistributionists as well. Had our economy been allowed to maintain its momentum much of that would have been overcome for quite some time. People are much more willing to hold on to traditional values when times are good, especially if they realize an have faith in the fact that those values are part and parcel to their well-being. But when hard times hit and the agonizing reappraisal of everything we thought was true sets in we become subject to everything off to the right and left of the straight and narrow path.

Between the export of most of our industry to the third world, politicians like Clinton giving away our military secrets to the likes of China and granting them "Most Favored Nation Status" and Wal-Mart essentially building a new manufacturing sector for China as well it was then that Alan Greenspan blew his housing bubble just in time to "save" us from the imploding Tech Bubble. America was hit by one economic disaster after another right up until the present. We are on life support and this president and his faithful are tugging mighty hard on the electrical plug that keeps the respirator going. We were all taught to live at the limits of our credit cards and spend the rest of our lives paying for a house that was too big for our own good. Now we have the next generation under water on their student loans and no job to pay for them. Obamacare is grasping for all the cash it can suck out of the economy, if that juggernaut ever gets off the ground, and every hard-core welfare addict that can vote is praying that it comes to pass. Not the hard working masses that have given up looking for a job but the generations that have grown up expecting the government checks to keep coming in the mail while they make more welfare babies. If this isn't the way the Golden Goose is cooked I don't know how else it can be done more efficiently.

What I'm saying is economics is a multifaceted enigma that is hard to grasp. The only aspect most people recognize is the one that is either feeding them or flattening them at any given moment. One thing is for sure, however, and that is we have given Washington D.C. entirely too much power to "manage" our economy. We've been told that we are too ignorant to take care of our own business and an increasing amount of authority over ever aspect of the economy, environment and our personal lives is ever more needed to keep things on an even keel. Every economy dies. EVERY economy dies. EVERY ECONOMY DIES!! And if you don't let nature take its course you wind up with some bastardized zombie that tries to eat you. Sometimes you just have to let the hard times come and work through them like we did in the 30's and pray till your knees wear out that it doesn't take another world war to get us back on track.
edit on 15-12-2013 by Ollie769 because: (no reason given)

edit on 15-12-2013 by Ollie769 because: (no reason given)



posted on Dec, 15 2013 @ 01:39 AM
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I am disabled veteran and would be homeless as i could not afford a apartment. i only get around $1000 a month.

I instead bought a used motor home in good condition(29,000 miles on it) for $4000 and my RV park rent is only $279 a month.(park rent, first $50 power. water and sewage)

And if i get lucky and find someone/company that needs a night watchman/caretaker where i can swap parking place for services i may park free.

I am putting solar panels on the RV and and have two generators.



posted on Dec, 15 2013 @ 04:27 AM
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justreleased
reply to post by nighthawk1954
 


I think people are just lazy. They want a home, a car they want to go on vacation but they don't want to work.

For most of us it's a fact that if you want a paycheck you need to work for somebody else . Don't tell me there's no work available because that's bs. It may not be the job you want but I'm sure it's better than living in a "tent city".



What job? where? your remarks strike me as being a most selfish and unchristian as it is possible to get, good luck to you when your job is transferred to China, unless you have a nice job with some government alphabet agency with a huge pension at the end of it.



posted on Dec, 15 2013 @ 05:03 AM
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SpaDe_
reply to post by Kryties
 


Friends that would offer the use of internet and computer, but not share turkey dinner on xmas? Using public wifi also requires a device that would connect to said wifi that could surely be sold for heat instead? I could also go on.


My neighbors have no internet, so we allow them access to ours. They can use their kindle, phones, and computer(s) through our wireless. We also gave them access to our garbage service (since we don't fill the 90 gallon allowed each week). The son mows our lawn with his tractor. It works out nicely.



posted on Dec, 15 2013 @ 06:00 AM
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justreleased
reply to post by nighthawk1954
 



You Sur have no clue do you or are you part of the 1% ??
I AM middle class and save quite heavly for just this reason.
Yet if a major illness was to hit me and put me out for more then 1 year.... well tent city here I come.

Try thinking before posting and please put down the coffee it's making you look bad!!



posted on Dec, 15 2013 @ 06:11 AM
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jtma508
reply to post by justreleased
 


Hey Einstein... the poster wasn't commenting on YOUR socio-economic class. He/she was merely saying that unless a PERSON is middle class (i.e., has the financial security of at least that level), they are one major illness away from being homeless.

Try decaf once in awhile.

Sheesh.


It's not even illness - you could have your job offshored, cheap foreign labor imported, or the director decides to give your job to one of his mates. There are plenty of stories of workers finding themselves ordered to train up their Indian or Chinese replacements under threat of being fired and not getting any references.

The "Lima Declaration of 1975" is an excellent read - it describes how the world leaders agreed to let 30% of all manufacturing move from Europe and the USA to the Far East.



posted on Dec, 15 2013 @ 06:12 AM
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justreleased
reply to post by nighthawk1954
 


I think people are just lazy. They want a home, a car they want to go on vacation but they don't want to work.

For most of us it's a fact that if you want a paycheck you need to work for somebody else . Don't tell me there's no work available because that's bs. It may not be the job you want but I'm sure it's better than living in a "tent city".


Their long term goal is a virtual slave labour force ( as in China and other countries ), where many people will work for virtually nothing, and with no employment rights, because it's that or starve. We're already seeing the first stages of this with zero hours contracts and the like. People like you make it much easier for them by blaming the people. You're either some kind of shill, or you're in denial about what is unfolding all around you.



posted on Dec, 15 2013 @ 09:38 AM
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reply to post by nighthawk1954
 


I remember seeing "tent cities" quite a bit back in the 70's. I can recall specific ones in the heart of the city and in the suburbs. They are a constant in the country and have been since men lived on this land. I lived in one for a couple of years in the late 90's, it was predominantly, but not exclusively, made up of people who willingly chose to live that way in order to avoid some parts of society. All have their own ways of running things, so if you do choose to attempt giving assistance, do so with caution. You may not be viewed as you expect.



posted on Dec, 15 2013 @ 10:34 AM
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reply to post by nighthawk1954
 

Having been homeless, living with friends, in "shelters" and on the street I can tell you that the homeless people I have met run the gamut from the mentally deranged to the well educated, many, many Veterans some suffering from PTSD some not. Employed and unemployed.

This first video is a couple of years old but shows the conditions in the winter.
Tent City, Grand Rapids, MI
Feb 5, 2011
Homeless living in tents.


The second Video is an updated documentary that tells the story of a tent city for homeless people that was shut down by Michigan in June of 2012. The story of this camp and the profiles of homeless people who lived there are set in the wider context of poverty, unemployment, disability, and substance abuse. This video documentary was produced by Anthony Collings, a former CNN correspondent who teaches at the University of Michigan.
TAKE NOTICE: A Camp for the Homeless
Ann Arbor Michigan
Published on Aug 8, 2012



posted on Dec, 15 2013 @ 03:00 PM
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reply to post by iRoyalty
 


Not me. I was homeless for years just out of high school. I lost my good paying job in 2008, like a lot of people. I wasn't even out of high school for a year. the only reason I was able to get Out of that rut is because someone helped me out of it.and I will be forever grateful to that person. I didn't have a problem with drugs, or alchohol. Just lost everything and had no support from my family because they were barely hanging on themselves.



posted on Dec, 15 2013 @ 03:14 PM
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roguetechie
reply to post by roguetechie
 


oh and just wanted to say...

(edited/retracted for space)

Thank you Rogue for expressing my opinion in a manner far more elegantly and politely than I possibly could of.

Some of the commenters here seem to be lacking the virtue and decency of what I would consider as Christian Charity not to demean other religions and their values but to point out the virtues that Jesus so deeply regarded and preached, Especially at this time of year.

Some of these less than noble posters no doubt consider themselves as "Good Honest Christians" or claim to spread/preach "The Good Word" yet their actions are the polar opposite. May God have mercy on their souls for I fear I cannot.

This is coming from someone who has shunned the church for their entire life but through the grace of God and the actions of the faithful has risen above the abyss and seen the light. I am not a Christian, Muslim, Buddhist nor of any specific faith but by embracing something much deeper have found a path that has allowed me to prosper and by such help those who are still struggling and in need of assistance.

No matter what faith or lack thereof guides you, it is imperative that we all take care of each other for that is the true meaning of humanity and that is the true path to enlightenment.



posted on Dec, 15 2013 @ 03:54 PM
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Simple fact, if you take more then you give, then your not needed and should be eliminated. People who feel sorry for people are a major problem, weak link as well.

Upon the age of 30, you should have to show your country your worth the effort and resources the people give you. We dont need more people, we dont need people living in tents, we need people that give more then they take, period.

Homeless people are no different then the typical parasite you find sucking on the scraps of any productive organism.

I find them selfish and generally unhealthy for a society that want to be the best. They are the diesease that sickens a country, weakness from within always ends bad.

Also, if you feel sorry for them stop posting on this forum, get a second job and supports them, stop being lazy and selfish yourself.
edit on 15-12-2013 by bkprice because: (no reason given)



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