Monday, April 20, 2009

a wee bit of a rant

OK. The weather is crappy, and it's Monday, and I am feeling pressured on all sides. So of course, things are bugging me today. I am mostly irked about the casual attitude people have toward bills and debt.

Where we live, a beloved local institution is in foreclosure. The postings and letters about this event are beginning to really tick me off. Apparently the bank is considered the bad guy in this transaction for asking for its money. They have worked with the business owner for YEARS and YEARS, extending deadlines, extending new lines, doing basically everything a bank can do to help the man out. And now they want payment. I don't find this unreasonable. Banks lend money, with terms, as a buisness transaction. They do not lend money to support the community. They do not lend money because they are "nice guys". And you wouldn't want them to. Banks would fail, and everyone would be in worse shape.

A loan is a CONTRACT. You are obligated to pay it back. If you put up collateral, you do so with the expectation that the bank can take that collateral if you don't pay your bills. It is sad when things go wrong, and people have a business fail, or lose their homes. But unless the bank was deceptive or fraudelent (not the case in this instance), or you were congenitally incapable of executing a contract, really, you can't blame the bank, and yes, you still owe the money. The bank should not "forget about it". That's how banks fold.

Item #2 on my list of peeves today. People are up in arms in the city because they are being hit with late fees for parking tickets. If you get a ticket, you can pay it, or you can go to court and appeal it. That's the law. If you don't pay your ticket for a few years, and you are aware you got a ticket, you owe fines and penalties. Also the law. It is not the city's fault that you decided not to pay, and now your $21 ticket is $620... that's the law. If you felt you got the ticket in error, it says right on it that you have x days to appeal. So appeal it, if you think you shouldn't have gotten it. Don't ignore it, and then whine about penalties.

Item #3 on my list, and it's the last one. Do not WHINE about your taxes and then take advantage of every government program in existence. If you don't want to pay taxes -- don't take any services. You can't have it both ways. I'm not saying taxes aren't wasted. That's what voting is about, and what representation is for. Don't like how things are going? Protest, write your congressman, VOTE.

1 comment:

Kitten Herder said...

Rant away! Silly you for attempting to make sense.