From: "John A. Weeks III" 
Newsgroups: misc.consumers.house
Subject: Re: American Dream?
Date: Wed, 12 Jan 2005 14:37:23 -0600

In article ,
 Lori Manning  wrote:

> Dilemma, what do people do that need a 10% house down payment? Let me 
> explain my husband's and my dilemma.

It isn't a dilema at all...you save the money by spending less
than you earn over a period of time.

> How do we do this in our economy? My last job before we moved was full 
> time, $5.15 an hour with no overtime pay

There are two ways to earn more money.  Upgrade your job, or
upgrade your skills.  As you are, your value to a business is
about $5 an hour.  You need to get more skills so you can produce
more and be worth more than $5.  If not, then $5 will remain
your value.  An employer is never going to pay you more than
your value since they can get all the people they need at $5.

> worked 50 plus hours a week and still was turned down for a loan. $200 
> short on earnings.

Loans are only given when the bank thinks you can repay it.  With
the income you have, the bank doesn't see how they are going to
get paid back after you pay your other bills and living expenses.

> We hope someone will help us to find the way to OUR AMERICAN DREAM!

The problem is that you are stuck in a dream.  You need to take
action.  You and your husband need to upgrade your skills, get
some more education or training, or take some happy pills and
stay in that camper for the rest of your life.

To be honest, I think you are stuck.  No one would put up with
"undrinkable" water for more than 24 hours.  There are lots of
campgrounds where you could park your camper.  The mere fact
that you haven't moved to a better location tells me that you
are shiftless.  I hope you can prove me wrong, but so far, your
actions tell me everything I need to know.

-john-

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John A. Weeks III           952-432-2708            john@johnweeks.com
Newave Communications                         http://www.johnweeks.com
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