My little sisters and their boyfriends live together in an apartment right now, they have 3 dogs and a cat and are really looking for a home. They wanted to make sure they could actually afford one so they decided to look up what their expenses might be. They found out about how much they might pay each month for the mortgage and got home insurance quotes. They also got information on electric and other monthly bills from my one sisters boyfriend who has a house near here that he got when his mother passed. They can’t move into that one as it’s a 2 hour drive to school for 3 of them if they did that.

They think they can afford it, but they are also thinking about moving to another state in 2 years. I told them if they do buy a home get one that can be fixed up so they can sell it for a profit if the housing market gets better. I hope by then it is.

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Have you noticed that the frequency’s of shootings has risen, now not only are shooting common in schools, but in restaurants and other businesses. Why do you think that is? Well my class has come up with a few ideas, helped along by me of course. I pointed out that people who are stressed tend to lean more toward violence when they feel there is no way out. If you look at the state of our economy it really does look like there is no way out for most of the people who are effected the most by this. People are losing there homes and there really is nothing that they can do about it.

Is it their fault. Many think so, they should have been smart enough to know that there mortgage was going to go up and they wouldn’t be able to afford it, but most people hope they will be making more by that time and that maybe they could refinance it to a fixed rate. The problem is now there home value went down, they are not making as much and they are stuck.

Now comes the hard part, dealing with the fact that you can’t really change it. You may have to lose your home, pay the taxes on the loss the bank gets and start over. For many people that is just too much to handle. I understand that and I feel that is why we are seeing an increase in violence across the US. We have seen an increase here in Michigan for a few years since our economy started going downhill way before the rest of the US.

The sad part is just today on CNN they had an article about how employers got rid of jobs again, the job loss is the worst in 5 years, check out this article for more info. It’s hard, there is no end in sight right now and I believe we will see a larger increase in violence and crime because of this. Mentally people can not handle it, it’s worse for the people who have always had enough to live on comfortably and even more then that. They don’t know how to save, how to cut back on spending and how to dig themselves out. I think we are going to see a huge increase in depressed people, suicide and other changes in behavior. Personally I think the government or someone needs to require that anyone who has had or may have a home repossessed take classes that will teach them how to save, but thats just me. What do you think?

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