How to become homeless

NYT: Ex-homeowners forced into shelters – [The New York Times]

NYT: Ex-homeowners forced into shelters ‘These families never needed help before,’ says one advocate

CLEVELAND – The first night after she surrendered her house to foreclosure, Sheri West endured the darkness in her Hyundai sedan. She parked in her old driveway, with her flower-print dresses and hats piled in boxes on the back seat, and three cherished houseplants on the floor. She used her backyard as a restroom.

The second night, she stayed with a friend, and so it continued for more than a year: Ms. West — mother of three grown children, grandmother to six and great-grandmother to one — passed months on the couches of friends and relatives, and in the front seat of her car.

But this fall, she exhausted all options. She had once owned and overseen a group home for homeless people. Now, she succumbed to that status herself, checking in to a shelter.

“No one could have told me that in a million years: I’d wake up in a homeless shelter,” she said. “I had a house for homeless people. Now, I’m homeless.”

Growing numbers of Americans who have lost houses to foreclosure are landing in homeless shelters, according to social service groups and a recent report by a coalition of housing advocates.

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(se: It’s really sad to see this, especially for people with kids. So I do feel sorry for them, but this one was something you had to see coming.  I used to flip through the TV channels looking for something to watch, and there had to be a dozen TV shows about houses, where people were buying homes and flipping them, or buying expensive homes they couldn’t afford.

I just saw one the other day where this young couple was looking to move out their apartment, and wanted a $700,000 house in a prestige location, and nothing else. I’m sure it was an old episode, and you can probably find them in the shelter now.  The problem was that it was very easy to get a nice big expensive house for next to nothing, with small mortgage payments. Then it gets better, people would refinance their houses, and get lines of credit against their house so that they can match their great new house with great new cars and luxuries.

I fucked up my life. You guys should feel sorry for me.

So you make $60,000 a year between you and your wife, you just bought a $500,000 house, and then you get a credit line against your house so you can buy a Cadillac Escalade to do groceries in, a BMW M3 for a daily driver, and a nice convertible for the wife. Life is grand isn’t it?  Then all of a sudden interest rates go up, mortgage rates go up, gas prices go up, you get laid off, and there goes the self esteem and ego you were buying with someone else’s money.

You get rid of the cars to pay the bills, you have no choice but to keep the SUV, because it’s now worth nothing as no one wants a gas guzzler when they can’t afford it. Then as things get tight, you trade it in for a Ford Taurus and some cash, taking a loss so that you can eat.  You lose your house and live in the Taurus, and then end up in the shelter.

Could this have been avoided? Sure.  But who can resist living life like a TV Star? By day you’re a telemarketer, or an employee at The Gap, but after work, you’re a d-list celebrity, waiting for MTV to give you a show, and TMZ to camp outside your house. Too bad that reality eventually kicks in.  Better luck next time.  Unfortunately, most of these people never learn.)

Another reason TD Bank is the whore bank of the banks

TD Canada Trust is the worst bank i have ever dealt with in my life.

Originally my parents opened one of those fucking gay blue dog fuck accounts with TD when I was a kid. I was with TD for a long time by the age of 15 I was working and they wouldn’t cash my fuckin cheques. They would put a hold on my cheques for 5 business days. Other times they would ask me for ID I had none I was 15 no drivers license you stupid fat bitch cunt ! Anyway eventually I closed my account with TD until one day I got something in the mail claiming I owed them $15,000 ! I quickly called and they wouldn’t assist me with what I was asking for. So I went into the TD branch to speak with them. They claimed some fuckin fag fucker fucked me in the ass cashing a fuckin cheque for $15,000 through my account then the cheque bounced. Now,  I explained the reason I closed that stupid bitch account was because they wouldn’t cash a fuckin $500 cheque even with me being at the bank with all the fuckin identification I had. I told the manager in Mississauga I was going to skull fuck her mothers dead corpse and she was like okay. Then I didn’t owe any money.

Later in life for some odd stupid reason I went back to TD, got a mortgage with them, car loan and credit line. Eventually I wanted to refinance my home for a little and pay off the car loan. Well fucking TD bank fucked me in the bottom of my asshole again. They wouldn’t let me, so I went to RBC, and  they did it all in 1 week.

My wife then decided to open a bank account for my 13 month old son. Well she opened with the whore bank of the world TD. I quickly find out they are charging my son $2 a month for this account. ha ha ha. After she told the fuckin bank its a 13 month old baby’s account, these faggots had the nerve to do that shit. I grabbed a lawn spade and was about to go into TD bank but my wife stopped me. Lucky for them cause I was going to cut off heads and shit.

TD bank is the worst bank and anyone who banks with them are actually fags. Fuck anyone who banks with the whore bank, and all you can die a long painful TD bank fuck in the ass death.

My Name is … LeeRoy and I approve of this add. Go fuck yourself TD Bank !

TD Bank Sucks

Td Bank: Some TD Bank Customers Still Not Seeing Their Paychecks

TD Bank customers, particularly former Commerce Bank ones, are still complaining about their paychecks and other transactions not posting. Other customers said they were being limited to $250 withdrawals. The problems arose Monday after they tried to combine their bank system with Commerce Bank’s, which TD recently bought.

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(se: Now obviously this is a problem in the US affecting customers of a bank that TD just bought there, however I used to be a TD

customer here in Toronto and used to have an issue with TD not wanting to cash my paycheque right away.

Ever since 9/11 sending wires, cashing cheques, money transfers etc., have been a mission at Canadian banks.  Unfortunately the services that that bank provides are nonexistent unless you go into the branch, and even there they treat everyone like terrorists. TD is bullshit.)