How the Mortgage Crisis Forced Thousands of Americans to Live in Their Vans
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- Опубліковано 17 сер 2008
- Living in Our Vans (2008): Mortgage crisis forces thousands of Americans to live in their vans. Subscribe to journeyman for daily uploads: ua-cam.com/users/subscription_c...
Since the beginning of the mortgage crisis one and a half million Americans have lost their homes. With banks repossessing their houses, many have been left no other option than to move into their cars.
The streets of California are now filled with people who call their car their home. Jennifer Clement, explains, "The estimated value of our house went to 120,000 U.S. dollars within a month. After losing all the money, we literally landed on the street and were forced to live in our caravan". It is a vicious circle: Without a job - no home. Without an apartment - no job.
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This video is over 14 years old, and everything in here is still relevant today, if not worse. Homelessness is at a critical stage across the country, and people cannot afford to live in their homes.
I can't be the only one that is revisiting these videos
@Digi Dragon I am pretty sure many of them are still homeless
I watched them some time to time
I like this one also: ua-cam.com/video/zKkJB8Etq54/v-deo.html
Same
watch Van Life vids instead....this lifestyle has been upgraded big time over the years!
Sleeping in a vehicle is illegal? How does that work with your human rights? You have a right to sleep huh? This being illegal is the most fucked up thing I've ever heard of.
High Street Tours Please serve on a jury and vote NOT GUILTY.
JURY NULLIFICATION
The worst part about the crash was not that the wall streeters gambled and lost and had to be bailed out, not that all these people lost their homes, not that these assholes all got huge bonuses for their incompetence but that they tried to sue the government after they got bailed out because they wanted bigger bonuses.
that's rotten
The worst part is that the government bailed out the banks rather than the homeowners.
@@lawsonj39 The worst part for the homeowners, you mean. It was the best part for the wall treeters, especially the bonuses.
There is also Blame for people buying stuff they cant afford
the city should take some of the abandoned shopping malls and turn them into housing units. The people could work off part of their rent 1 or 2 days/week doing community service till they find a full time job.
Gonnaneed Abiggerboat they could make a profit from converting the malls, especially with a tax incentive
did you get your economics and history degrees from the hugo chavez school of economics in venezuela?
I've seen this done,they just can't have stove or doors in there tiny units,then they can zone it differently,forgot when the mall was but seen it on you tube,mostly people lived there half the time doctors,people who travel for work a lot etc,,,,very interesting though
If "they" could make a profit..."they" would be doing it.
Missy Rabbit you got that right have them to do community work make some studio apt one and two and three bedroom that sounds good
The social worker guy is so nice. What a meaningful way to help people.
Playing the cat and mouse in Cali is very grooling, and wears on you after a while. I ended up West last year for 9 months, living in the back of my truck, I had a handful of areas to park and sleep and finding new spots was always tricky. State parks that didn't charge, and hidden Vally parks gave me a mind rest in the day, but every night, the hunt began for a safe place to sleep. Not just to watch for cops, but people "thugs" and so forth. I did make a lot of friends, and found a great community of people who lived this way and they all stuck together very well. A lot simply liked the privacy but the others were close and accepting. I eventually found a good job out there, worked 6 months and though I kinda liked it, my dad convinced me to come home and I was able to transfer back closer to family. I will admit I've gotten hooked on the freedom you get from living this way and it's really not as horrible as the outside world makes it out to be. ;)
+Stray Kittie I'm guessing different people experience it in different ways? If it a guy on his own, may well be lonely or loving the freedom. If it parents with children it may be very difficult and stressful?
I subbed. Thanks for the info. I’ve always had a fear of being homeless. You never know what the life may bring you. So many people out there struggling but we always adapt and learn to make the best of our situations!
So you wher never really homless to begin with
I tried sleeping in my car on the side of the road. The cops came to my driver's side window and told me to move along. So I was forced to get a tent and hide out in the woods.
David Crandall 😢Stay strong.
As long as a Big Foot don't get ya lol! All kidding aside, Good luck and Bless you~
@Überleben Doing well now. Not homeless.
@Zebra Lady75 Policy call it 'vagrancy' which is against the law. In California, they have relaxed the law because too many are sleeping on the sidewalks. In our state you can't pitch a tent on the sidewalk. That house trailer is blocking someone's million dollar view and cops won't allow it for long.
They did that to me too I was in the back covered up and just stayed still and silent until they left. Didn't take long. Tapped on my window a couple times and kept it moving. I do the same thing if someone knocks my door or rings my door bell. Won't catch me answering a damn thing without an invite. Keep it moving.
Welcome to wonderful expensive California
My dad paid his home off in 18 years and only bought one new car in his life
He’s gone now but he left my mom in great financial shape
When I bought my home, I made sure to buy a home I could afford. It was a 30 year fixed. Then when interest rates fell, I re-financed and turned my 30 year mortgage into a 20 mortgage. Then at 60, I paid off the house and retired. People that bought into the adjustable rate mortgages were just fooling themselves. My house is now worth 3 times what I paid for it, even now.
Exactly, when we bought a home my husband left the country to work with bombs dogs , his idea. I slammed my mortgage every month he gave me to live on, instead of spending it foolishly, i think i paid it off in 18 months. Good thing God gave me this wisdom because my ex never returned so me and our autistic son can live mortgage free now.
yea but what happened in 2008 was for people who bought multiple houses no? with no money down or NINJA loans as they called it
Living in a van or rv isn't as bad as people think. You actually have money and low expenses. I saved 20,000 my first year and been in a van 5 years. I'm close to 100,000 off my income alone. Not to mention my side hustle. With only 150 dollars a month for expenses I'll be in this van a long time with my pockets loaded eating 50,00 breakfasts every morning. And I'm not homeless cuz no one can put me out my van it's mine.
It isn't that it's bad, it's because such cost saving measures have become necessary. It's fine if you chose van dwelling to reduce your costs, it's quite something else if you've been forced into it by circumstances.
Unity is the key You are a smart & very intelligent person to be able to save your money & not paying any rent.
Hell yea man that's what's up !
What you be eating for breakfast? lol
Couldn't agree more. Living in our RV allowed us to pay off $52,000 in student loans in 4 years, and we've been 100% debt free since. Best decision we ever made.
Now we are in 2018 and I can't find a one bedroom apartment for under $1200 per month in southern California. I'ts just insane!
Dora Lee you can find one bedroom apartments in Missouri for about 450 month including utilities
Frugal Fit Chic thank you fit this information.
That's pretty good actually. Hello from Seattle.
Stop telling people to move to Missouri. You're raising your own rents this way. Nice work.
No one stays in Missouri so no worries, That state is full of ticks and chiggers and humidity that will take your breath away not to mention its full of meth heads!
I thank God that my husband and I have been debt free since our mid 40s. We are in our early 60s now. No debt and own our own home. We have a large home, so at some point we may sale and down size? My husband is still working. But if all else fails at least we have a home. Im so thankful. Being debt free is so freeing.
I lived 10 years in my used '86 Fleetwood motor home, always in parks with hookups and bath houses and/or nearby truck stops since my RV frig broke and I needed the shower space for a less expensive one. When my RV A/C broke and Hurricane Rita crushed my cab-over, I put in a small, cheaper window unit. The previous owner advised against using the RV range/oven, so I used a hot plate...no baking : - ( The most disturbing thing was the leaf blowers that began at 4 am getting closer and closer. Also, being very ill or injured is difficult in an RV, esp. a van or car...you can't eat right, sleep right, heal properly.
In spite of the derogs, I always considered my RV home. It was comfy, cozy, everything was in easy reach and had a great engine. I've lived in the cab of my pre-owned Mazda p/u, a used Ram railroad van and thank my Almighty Heavenly Father continuously for my wheels. They kept me from pushing a grocery cart around, from being a bona fide bag-lady...exposed to the elements
I now live in a shipping container house. When I told a friend I hadn't seen in decades that I lived in a shipping container house, she asked, "Are you down-sizing?" I said, "No! I'm moving up!"
"Grateful for the things I do have".......truly heartbreaking and humbling. God, Please be with these good people
If there were any god, nobody would be homeless. if there were a god, this is all his doing. wake up
No, we are also His vehicles. When we refuse to live like we should - helping our less fortunate neighbors, it's all on us - NOT on God! So get mad at greedy, selfish people who refuse to help anyone else. Otherwise, I understand your anger. Be the change you wish to see!
@@denisemayosky1955 And there are those who refuse to accept that real poverty and homelessness exsists.
We lived in 38ft Gem from 96 to 02. I worked construction and my wife joined me on the road. It was a heckuva lot of fun and we never felt confined. Living in a camper is no a bad thing.
the guy with the solar and wind power was the smartest one in the vid
One thing you may want to add to the van (if the budget allows) is a cargo trailer, which you can use as a bathroom and kitchen area while using the van portion as a sleep area. Wish you well. :)
When the van breaks down, which it will, he will be even more homeless.
Feelthefx solar and wind power is a nice concept but you will not be able to do this in a HOA home...these monsters will run you into debt with fines and overtake your home leaving you on the curbside. HOA and POA are criminals. Equal opportunity Housing is violated...
True, he anticipated everything in advance and that is good. That is why if you forsee something, need to move fast.
@@saltwatertaffy7020 you don't need an expensive cargo trailer for that..a cheap tent works just as well..
Sleeping in your car is illegal, but it’s ok to live on the street! Madness.
yeah, I remember driving from SF to San Diego with a friend a few years back, it was a looong drive as we decided to take the scenic route of driving along coastal highway 1, about 6 hours in, we pulled off the road to get some rest before continuing. We were woken about 2am by the cops telling us it was illegal to sleep inside a vehicle in California. They said we could sleep outside the vehicle but not in it. So we ended up in our sleeping bags sleeping in the grass next to our car. Luckily it didnt rain! I remember thinking how insane that law is waking up with my head next to the tire of my car and thinking about how my parents had been hippies in California in the 60's and the freestyle life they lived back then, sure cant do that now!
I moved to California from Texas in 1976. I very quickly realized I couldn't afford to rent a garage in California for what I paid for my four bedroom house in Texas. I purchased a used motorhome and found a trailer park to live in. I've upgraded to a a newer larger motorhome but I still live in the same trailer park. A studio apartment in my area is $1,200. I'm lease locked at $565 utilities and gardner included. I beat the cost of California housing years ago.
the location is Santa Barbara, California..one of the most expensive towns in California...
Two years ago, my wife and I saw what was coming. We went out of our way, and paid our house off. Our friends said we were "paranoid", and that would never happen in the U.S. Now, they are all in danger of foreclosure. They all live way beyond their means, no matter what we said.
I kind of sleep in a car, a really big one. A semi truck. I've been an over the road driver for over 12 years now and now I am retiring and winding down. The truck is set up with the refrigerator, inverter and all the appliances I need. I used to be stuck in the mortgage, car payment and credit card trap and I don't miss it one bit. I'll only be able to work part-time due to retiring at 62, my Toyota Tacoma is set up to live in with a fiberglass utility body. I don't consider this punishment at all vs living in a house with all the expenses, upkeep and maintenance, no thanks! I'm considering a second vehicle that gets better gas mileage and could be set up to camp in so I can adventure further out at a lower cost. I'm sitting in the sleeper right now getting unloaded and watching these videos on my tablet. I've been able to save a lot of money and I have a pretty decent savings balance now.
telcobilly, your strength of spirit is admirable! All the best to you!
@@rustykatt3870 thanks! All the best to you too. Life is short, As Morgan Freeman said in Shawshank Redemption, "Get busy living, or get busy dying"
"The water is drawn from public toilets" has a VERY different meaning in America and England...
+ldalfkjahsl I thought that...and why send the children to get it?!
a toilet is a toilet! whether it's in America or a "remote "place in Africa!
ldalfkjahsl. They shouldn’t need to use public toilets for gathering water. If they would watch RV living videos, it shows ways people on the road can get free or low cost water!
What is the difference? Surely there are areas to get drinking water I see a lot of RV videos.
@@cherylT321 watch them with what device and with what funds, on what internet access. You say that completely from a place of privilage.
The way I see it is these people are just ahead of the curve
yup
+Mike M Exactly. Henry David Thoreau suggested that the truly free man could watch his cabin burn and felt that he lost nothing of value. I have spent the last two years trying to get out from under 40 years of junk that does not being me a better value of life. I have made a good dent just using craigslist to sell. In another couple of years I can sell the house and full time rv. You are much better off having a few possessions that you love vs. so much stuff that you can't even remember what you own. One thing that struck me about the lady in the car in this video is she said her stuff was in storage. There was probably not enough stuff of actual dollar value to pay for two months worth of the fees.
Exactly , we just bought a 35 ft Winnie and are starting our rv living journey . Because we wanted to not because we were forced to. People are crazy to spend so much on rent each month, we have a really nice rv with 2 big slides, it’s just the 2 of us so it’s perfect
Man, I've been afraid of that situation forever. That's why I went major cautious when I bought my home. I wanted something that I could maintain the payments on even if I had to change jobs. I always paid extra and now after 11 years It's finally paid off. It's a heck of a load off my mind. Now I'd have to have a serious personal financial disaster in my life to lose this place. It's just a working class condo but (knock on wood) I'll never be homeless.
How are you doing today?
Yes how are you doing today?
Easier said than done mate, rented my whole life, am a victim of my exes stupidity...homeless thanks to him...a few times
Renting is fine if you had a good landlord or you had a good amount of money..
I'm sure as heck glad I didn't have to do what you did. I bought my house outright- no mortgage payments to contend with. I have an $84 annual property tax fee, I pay my low monthly electricity bill which averages about $30 a month. My water comes from a clean fresh well.
I lived in a 30ft fith wheel for 6 years. I loved it! I found a campground for less than $500 a month which included all utilities and unlimited Wi-Fi so I had no problems with doing my job. Had my camper towed there and had my car (and pets). Contacted a home propane company who hooked up a large tank to my camper and came to my camper every few months to refill. Lots cheaper than continually moving around, where the gas alone kills you. I should add that this was on the east coast in a small town, but tourist area. Only 15 minutes from any shopping I wanted, and I was on a river front lot. But anyone staying in California will have a harder time. Leave there and you can have a decent RV life for as long as you need.
I have good friends who are immigrants...they are AMAZED, totally that the southern border is allowing people to come thru, and getting them all govt benefits, and US citizens are living in the streets! They know something is terribly wrong here
I don't have kids for a reason, this country has had problems for the past several decades. I refuse to have children for this very reason
you are very smart ! no child should birth in such an evil world like ours.
@Brandon Taylor indeed, money makes the rainy days feel sunny like the old adage says
Your loss lol
Thank you
No one wants kids with you just admit thats the real reason
It’s so sad to see Americans having to live like this.
Lot's of Nomads, yes, but, some were born to be free!
@Santa Bracero You'd better have money for repairs to engine, gas and the other costs.
I think the American dream is gone because of the of the government bureaucracy and government corruption.
its been gone. . I mean really . .really?
Dolphin named Kathy The American dream use to be for us to prosper and live free our constitution is constantly being rewritten and our rights are being systematically. taken away from us and that my dear is called communism.
Jimmy 504 whodat Communism was originally designed for people to work their fair share and get the necessary to live a home and food but it's original way of working was destroyed even democracy is being destroyed corrupt people find ways around it to take control Mexico is democracy yet is shit
Agree
Not so much the government as the parties. You get to choose between the Republicans who proudly take money to look out for rich people, or the Democrats who take money under the table to look out for rich people. So nobody is interested in controlling the export of jobs and immigration so ordinary people can earn enough to get by. The government is civil service workers, wage slaves like everybody else, told what to do and, more important, what not to do by the bought politicians. The answer is to get the legalized bribery out of our democracy, but I don't know how you do that if no party is on your side. Perhaps the first step is to corner your elected officials and ask how they got a million, 2 million, a billion dollars to spend in their last campaign. Teach them that no amount of money can get you elected if you betray the voters.
I tripped when I saw one dog ! Then I saw two dogs !? I would really try to find a place for them . You gonna sleep in a car with two big dogs !?
The perfect storm: The government forcing banks to loan money to people who were not required to have skin in the game. No down payment or very little down. The economy dumped causing layoffs. Some could not afford to pay the mortgage and had no emergency funds to continue paying mortgage until another job could be found. Several factors came into play.
Crooked Banksters...My uncle had a Border Collie. It was smart...What happened to You ?
@Border Collie. Right! There were also a lot of fools who were using their home equity like debit cards and squandered their money.
John Allison - I just saw another youtube vid from the banksters side - and I don't know if you can call them crooked or conniving, really. More greedy than anything else. All they saw was that bonus at year-end. The homeowners on main street didn't factor at all. It's like little guy doesn't matter. Gotta make that bonus at all costs and get their numbers up.
This should never happen to anyone ever in this generation.
Anyone could be homeless. Between rising taxes and everything going up and paychecks staying the same. Anyone can be only a few paychecks from poverty.
12 years later and we are still moving into our vans..many diff reasons..many diff situations outlooks n attitudes..ive been in my van for 3 years and I love it..live on ssdi..no rent worries etc..
In my country you be immediately ‘arrested’ and forced into a low cost government housing renting at about $80/mth. On top of that you forced to accept $300 worth of utility and food vouchers as a starter.
Man! This was 11 years ago. Imagine how it's going to be by the end of 2020!?? Holy shit!!
Bought a 40' 5th wheel for 4000. fixed it up love it.
why is sleeping in your own car illegal in California?so we stay part of the system?
Anywhere it's illegal.
alastair saint this is so wrong for us americans
Because they often panhandle and trash nice neighborhoods.
As a hard-working tax-paying homeowner, I don't want my community to be filled with a bunch a vagrants.
alastair saint. It’s a way to penalize the poor for being poor!
This video always makes me sad, almost in tears because to be alone is truly not easy.
13 years ago and times have become much worse.
I just realized it's a video from 12 years ago. Yet it feels very recent
I hope they are doing better now
If better means being out of the system, I'm totally happy for them 💚
Sending love from Ind🇲🇨nesia
"There arent too many females who would like this lifestyle, unless they were possibly in this situation themselves." thats kind of what i told my mom "I dont care if women turn me down for living in a trailer, no female in this area has any interest in me anyway."
Can you guy make a video update of these people, I like to know how they are doing?
That's what the banks told us there's no equity. For 18 years paying down a mortgage. It wasn't easy at any expensive life without a vacation. The banks always wins.thayalwayswin and who gets stuck with all the depth the home owner's. Taxes keep going up sallerys stay dragnet.
i'm probably going to live in a conversion van next year... by choice!
I thinks it's cool idea to live in RV or Van car. The whole house mortgage working years to pay it off no freedom is old American dream. Corruption and insane property tax and rent student loan can't get ahead
Van Life is bigger than ever, if I was 20ish, I'd be living in a van in CA, surfing, mountain biking, traveling, hiking, anything but what im doing now.
I have a 2000 high top van in my driveway. People ask me why don't you sell it. I tell them I might have to live in it one day.
Hard for me to feel any sympathy for a lawyer who worked all those years and didn't save.
If she was a lawyer that helped the down and out she probably did some pro bono work and didn't make a lot. Not all lawyers are scum suckers!!!
8:40 "only speaks with you because Europe is so far away" its online anyone can watch it
So sad!!! God bless these people😥🙏🙏😭. And their animals!
this is what happens when you think greed is good and you don't give a crap about your fellow human
I love the van that have the solar and wind powered electricity!
i am one of those that lost their home if 12 years to bank of america fraud and became homeless in my van, i have met many others since 2008 to now in 2016 where still homeless or landless - i towed my garden for years!
The gentleman with the solar panels and wind turbine on the roof of his van has the right idea. He may be living in a van, but he's making it work for him, the best he can.
Too buy a house in HI, IT'S FRICKEN RIDICULOUS... But's it's illegal to have these types of any RV'S on Oahu to live in it like these... I'd RATHER live like this then keep on paying for escalating rent every year along with all of the utilities.
It's not just renters. The one who owns the property has to pay escalating costs too and he has to pass that down to the renters. Don't blame the owner.
Lol they are in Santa Barbara, that's where I live in my car right now
rent is an out of control rip off in california. even in some small towns paying employees peanuts
Try buying a house and paying a mortgage in California. It's worse.
I also work a full-time job, so I have enough money to pay for my food and gas, and tuition bills. The point is, I would not be able to do this otherwise without living in my car. I am self-dependent.
Stop lying saying they're drawing their water from public toilets I was homeless and there's no shame in getting water out of a sink so stop saying they're getting their water out of a toilet them people are living they had their family their children and a roof over their head and to me that is beautiful God bless them and may be just a little different situation but they still have each other all respect
WOW... you make it sound so bad. I am converting a van to live in. Not leaving until my last kid graduates college in January... and it also gives me time to get my van the way I want it! I am getting away from the rat race. I am retired military and just retired from the workforce, kids are grown, nothing keeping me here in this city anymore. Now my plans are to travel the US of A and live my life! So many things to see and do... My journey starts soon.......can't wait!
Did you go on your travels yet? How is it?
I'm jealous....
How’s it working out for you? Hope you are enjoying life and are safe.
"Draw their water from the toilets..." Perhaps you should have mentioned that it was from the sinks - you know - cultural language differences.
"public toilets", I think we understood that he meant taps in there, not out of the actual bowl.
I figured it within a few seconds, but it does cause a double take. :D
+Nancie Rants :D
The actual water box on top of the toilet bowl unit, it is clean fresh water, the same that goes into the tap.
oh you are so glib with your rhetoric.
While my divorse I slept first in a suburu, then a van. Eventually a motorhome. Been indoors since 2004. I am grateful. Seeing as I'm in advanced COPD snd require oxygen 24/7. Thank you God.
I'm on the verge of losing my house in So Cal, working 40 to 60 hours a week and paying child support I just can't do it anymore.thinking of selling my house and cars to live in a rv.
How did everything end up? Hope it all worked out for you.
This is how truck drivers live every day
and the Rich continue to get Richer!
They sure Do BILL!!!!!!!!!!!!,, Agree 100000000% With You,, Theres No More Midddleclassss!,,, jack,,,
Thanks, and It sure is the Truth!!!!! And it FINNALLY quit Snowing,, Tough Be Disabled, with a 1300 ft driveway!!!!!!! So, 38+++ Years In The Welding Buis, Looks Like I Have to Auditions, For the Morning Man in Radio,,,(Where I started),,, So,, Def Neeed to sell, and a class A Be Careful Out There,,, Thanks,Jack...
The rich get richer because money lets them fix the contest. It would be interesting to know where Trump would be had he not inherited 10 million. Rich people can bail their kids out when they make a mistake and go bankrupt. Steal a million, it's just business; steal a car, you're fucked for life.
The real problem is our school systems are designed to train obedient factory workers, forever just barely making all of their credit card payments.
They don't teach good financial management
One class each year in every grade (mandatory) should be about money management.
But if the majority of people learned about proper money management, the banks wouldn't be able to continue foreclosing n undereducated idiots.
They send all the jobs to less developed countries. The executives pocket the labor differences
Who would ever thought years later, it would become a lifestyle
the guy in the trailer with the earpiece is my hero
Gee...back in the mid 50s my parents bought a new house...morgage $4500... payment was $45 a month
Wow, after living almost a full year, in a car, in California, I think this is really an accurate picture of the CA car living lifestyle. Very well done in 2008, it's correct 10 years LAter🐢
I envy those that choose to live in vans and travel. They are smart. They are the ones that are living. Of course not everyone would chose that life, but if you have a good paying job and you hate it, scale back, dump the job and do something you love. Yes, you can do it.
This documentary you have shared to us, has made me so thankful for what I have. I have a 2 bedroom mobile home in the country, I get benefits from military and state, and I can survive on that. I pay 160. a month lot rent and then utilities. It is 2 acres deep in the country. I have a dream of traveling on the road, I have my own van a 1998 dodge Caravan which is also paid for that was 800. cash, and I am building it out. I have been blessed over this last year. My home is paid for 2000.00. It is dooable, to live, it is just Calif has gotten crazy with rent and price of homes. I used to live there in Huntington Beach. The American Dream can happen, you have to make it happen. I am not bragging any means I am stating facts. Why can't people share homes and help each other out, and share bills. And have roommates. It makes sense to me. I have a roommate as well that helps with things.
I’m glad your ok.many can’t do that,especially now….and it ain’t getting better.
You have what I'm so desperately looking for. Lol
We're living in a camper I'm desperately trying to find land that already has electricity and water and sewage available.
a modern day grapes of wrath scenario
maybe, and instead of farm fields it's mortgages that people shouldn't have taken on.
Yep when Jeff Bezos/Amazon and his ilk don't pay taxes not very surprising
@@maliya1958 It's a no brain business move, just a handful of powerful officials to buy off rather than pay taxes.
And it's going to get worse! Especially now with the Covid 19 and it's second round.
Credit is the cause and high interest rates, along with greedy banks.
no idiots with no economic education is the reason and you are their queen
This is soooo....true!
More the greedy banks and the ability to buy politicians who would agree not to regulate them. So a greedy banker tricks a person out of their life savings and their $250K home, and no crime was committed! But a kid who takes a $5K car on a joy ride goes to jail.
Victoria N. McCormick yep a car title loan kept me down just now bad.
you left out dumb-assed people living beyond their means
In reference to Barbara, "notaries public" in the US are in no way lawyers, nor do they authorize loans, or authorize anything else. They are licensed to certify (rather than simply witness) signatures on documents, and they generally do this for a small fee. In South Carolina, Florida, Nevada, and Maine a notary public can officiate a wedding.
It uses to be customary for secretaries to be registered as notary publics.
Mate, i wish you all the best. Good luck and stay strong. As long as you have your health and freedom, things will work out!!
I'm not worried, I have found the perfect bridge to jump off of :)
Why do they stay in California? The cost of living is horrendous.
6:33 The most honest words a man could ever speak.
The awesome guy on the thumbnail of this video is definitely an OG
I wonder how far I will have to get into the video before someone acknowledges the fact that it took a decision to buy a home they clearly couldn't afford based on their income... Never will? Wouldn't be surprised.
Are we not acknowledging the fact that these people are CHOOSING to be homeless in California? The money they spend being homeless in California could get them in homes all throughout the country. They could buy a house in Detroit for so low they wouldn't need a mortgage. But no, they are "victims" in that perfect temperature.
Amazing how that guy managed to apply for ONE WHOLE JOB at a cushy ezlift gig, but if "fell through" so oh well...
This really puts everything into perspective. I am lucky enough to ve a stay at home mom and we live comfortably. My husband makes a little over 50,000 and right now we are waiting to here if he will get a promotion whuch will land him very close to six figures, it is all I can think about. I want him to get it so bad but I now I just feel greedy. I swear if he does end up getting this promotion we will give so much money to struggling families. Noone should have to live such a hard life. :(
Way to go Kathy. Hope this is just the beginning for you on a road of prosperity.
Rick in the video is a wiz just smart as he nailed it managed and in the end survived his challenges that were in front of him that alone i feel he should be credited for
"Offending the police" hahahahhaha
We can thank all those real estate gurus who heated up the prices of homes. Was mortgage crisis caused by the banks who refused to renegotiate to it's lower value?
no the mortgage crisis was cause when banks were allowed by government interference in the market to make loans that they never would have and allowing them to sell those loans to other people as bundled securities...something bill clinton signed into law in 1990's whose fruits are being enjoyed by a man with a economic plan that wants to further destroy america andhave his wife preside over it
happy to c her got a place at last the 5 year wait is over I do hope those families that have kids gets some place soon and a job to take care of they basic needs bless the boy that help that lady got a apt 👐
it's great to see a 240p video once in a while
Now more than 10 years later, we are beginning to find it socially acceptable to be a vanlifer 😁. Life is both sad and funny sometimes, but overall, it still sucks
People should not live beyond there means, I could afford a house but I choose to live in a 14' x 52' mobile home on 3 acres, I have owned for 20 yrs. even when I was making $ 20.00 hr I could still live off minimum wage.
I agree people should not live beyond their means. However, not everyone has a mobile and they have to rent or buy and in this case when the cost of rent and homes going up, it's very hard to save for a rainy day. It's hard for even two incomes now. America needs to look after their own. God help us!!!
Sherry Boyd fighting wars for Zionist Jewish n they r helping christian by house occupation through Jewish bank....
American christian helps Zionist to occupied Palestinian houses....
In return Zionist occupied ur own houses....
Great friendship
Do you mind saying where?
50% of the workforce makes equal or less than $18.50 per hour, and the average hourly wage is like $22 an hour. You're very lucky to be in the top half of income earners on an hourly basis, at least.
It's just so easy to say live with end your means till it happens to you
And this is going to repeat itself 20 fold in the near future.
That's a dream compared to what some have to live in! In one month I will be living in a gypsy wagon on my truck and can't wait to do it.
Santa Barbara is Damm expensive no sense being there
Yes, in making a comment on this video about living in a van , that I've seen here on youtube , I would like to say that I have been in a van , a 91 GMC van for approximately two years now and I love it . I once lived on Beach Boulevard property for like 34 years , I sold my home, I didn't lose it, but after going through a divorce 14 years ago I had to start all over again and a van is like a steel tent on wheels, I have an inverter here, I joined the gym so a gym that I can go to 24 hours around the clock so showers and getting cleaned up and tending on to health needs have not been a problem and even before then down here in Long Beach , Mississippi you can park on the beach enjoy the beach everyday, which I do I'm usually six or seven days a week out in the Gulf of Mexico on an inner tube , enjoying the Sun and the water and if I want to take a shower without going to the gym there are free showers here on the beach and there are eating establishments across the street from the beach, a service station, Waffle House, and seafood restaurants , it is really nice down here on the Gulf Coast of Mississippi and so anyway folks living in the van isn't that bad after all , see now I can live on the beach and not have to pay taxes, but when living on the beach for 34 years in the house, taxes had to be paid , so it does have its advantages and it grieves me when I hear some men's wives on some of these videos make a statement that they had told their husbands that they would divorce them before living in the trailer or probably even more so they would if living in a van, my response to that is I think you're a bit spoiled like most Americans are with all the conveniences and luxuries of life that we've been blessed with for many years and I think that everybody needs to get a different mindset and get ready for hard times because hard times are not only here but we're getting ready to face nuclear war under this president that we're under right now, the Bible does not lie , and it lets me know Americas going to be hit by nuclear bombs folks, and once an Ahab takes control over any nation just read what judgement fell on the land when Jezebel and Ahab we're in control, what when you have a Supreme Court that's in agreement to legislate that which is an abomination in the sight of God , you can look for problems and the problems are here and they're only going to get intense so America look to lose more homes and so you need to start getting ready cuz you're not going to be in your home much longer, even get a tent, even though I've got the van I've even got a tent because of something ever happens to the van I'll at least have a tent over my head and God wants us to be thankful no matter what providence brings our way because this is not our home anyway we've got a better home waiting for in heaven, thank you Jesus, Amen. Visit my youtube channel moseseseseses, free lessons in French, Spanish, and Gregg Shorthand.
Sent from Yahoo Mail on Android
+moseseseseses You are spot on!
moseseseseses I think your awesome!! God is so amazing how he helps us to see what’s truly important and what our Hearts truly need and that’s never STUFF...
I used to live in my RV until I had to give it to my daughter to help her... now in sticks and bricks and missing so badly being Free again so working back towards that freedom from this 9-5 system of debt...
I’m hoping to be back on the road this new year ... 👍🏻😃
@@4GodsPeople ....Yes, many people awakening but still , many asleep as well. Thank God we that are awake, have eyes to see and ears to hear, Amen ~
@@angelfirelite Amen!!!
Debt really is dangerous. Financial education is so needed in schools, unfortunately it is purposely left out so a few will be safer than others.
There was a chap talking to a reporter on the news that lost everything due to hurricane Sandy he lived on the Jersey shore, all that was left was part of his roof lying in a heap on his yard. His wife was more upset than him and he said he's 60yrs old and has to start all over again and was grateful he's still alive. It will be an eye opener for those that had everything and home comforts that had an adverse view to homeless and disenfranchised people.
so Cal is probably the worst place to go, it's a very competitive job market and the cost of living (depending on where you live) can be pretty high.
I never understood why people in these situations usually flock over to California of all places, When there are far better even homeless friendly states such as Az/Oregon/TX/CO etc.
So Cal can just stew in its own juices. All of California for that matter. Liberal elitism has made it impossible to live there unless you're rich.
I agree. The houses and apartments are too expensive there and few can afford them.
S&P and Moody's gave AAA ratings to MBSs and CDOs that were actually much higher risk because they were filled with mortgages that were given to people who couldn't pay. Banks passed on the risk to each other and made a killing in the short run. However, in the end, when people couldn't pay, housing prices fell as foreclosures and defaults rose. There was a surplus of available homes and the banks could no longer rely on the housing prices being high to keep the value. In the end, an economy based on mortgages and selling risk is not sustainable. We need to move back to an economy based on production instead of loan-sharking.
so after 7.5 years that obama has had to fix this why is it still happening?
so true I live in Australia and we are next in line for a crash house prices have became insane and in many parts still rising way out of touch what people's income's are.
I'm afraid it goes much deeper than what you out-lined...I think the entire American economy has been 'hijacked' by corporate entities whose sole existence is to make a profit, regardless of 'how' that profit is made.And it's all completely legal.(does anyone besides myself see any correlation between the economic collapse of 2008 and the 'W's' Presidency? I think there is...and the proof of it is 'hiding in plain sight because there's no reason to hide')
loan sharking use to be against the law
I wonder how things would be now if Bush & Obama had given zero interest loans to homeowners instead of the banks. Iceland let their banks fail, and even jailed a few bankers, and they seem to be recovering faster.
Any normal person who lives like this for any time....WANTS to live like this.
From the future here. It's far worse, and people just live in their cars.