<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" xmlns:media="http://search.yahoo.com/mrss/"
		>
<channel>
	<title>Comments on: Just How Invisible are Renters?</title>
	<atom:link href="http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/feed/" rel="self" type="application/rss+xml" />
	<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/</link>
	<description>Regretting the American Dream</description>
	<lastBuildDate>Tue, 11 May 2010 02:02:13 +0000</lastBuildDate>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.com/</generator>
	<item>
		<title>By: Bill Deegan</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-413</link>
		<dc:creator>Bill Deegan</dc:creator>
		<pubDate>Thu, 01 Apr 2010 16:05:48 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-413</guid>
		<description>The web address of the American Tenants Association is www.americantenants.com.  Thanks.</description>
		<content:encoded><![CDATA[<p>The web address of the American Tenants Association is <a href="http://www.americantenants.com" rel="nofollow">http://www.americantenants.com</a>.  Thanks.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Bill Deegan</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-411</link>
		<dc:creator>Bill Deegan</dc:creator>
		<pubDate>Thu, 01 Apr 2010 15:49:29 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-411</guid>
		<description>The American Tenants Association was formed to represent to 95 million residential renters in the U.S.  We are taking direct action to unite tenants and increase our political clout.  Join us!</description>
		<content:encoded><![CDATA[<p>The American Tenants Association was formed to represent to 95 million residential renters in the U.S.  We are taking direct action to unite tenants and increase our political clout.  Join us!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: flipped out renter</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-369</link>
		<dc:creator>flipped out renter</dc:creator>
		<pubDate>Sat, 22 Aug 2009 22:49:34 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-369</guid>
		<description>Renters like me who sat out of the housing boom continued to pay outrageous rents while our incomes sat stagnant. The disparity between pay and home cost has soared beyond imagining.  There has been no opportunity to save like there was for older generations. We also had no opportunity to sell property that we bought cheap. We hoped and prayed the market would fall and rebalance to a place were we could hope to live the American dream of home-ownership. Since then everthing has been condo-ized and remains artificially inflated while also reducing the number of apartments --thus inflating rent and further reducing savings. The dream of my own yard and raising a family has been circumsized. What we once considered  apartments have been converted to “condo’s” that are selling for the price of what used to get an entire house (condos for which we still can’t afford.) This is a generational issue - our elders and venture profiteers have sold out to greed and sold the American dream to flip a profit. What happend to buying a home to live in it? I say we limit the number of properties “property” corporations and developers can buy up in one town!!! Let’s not allow them to keep using housing as their new stock market! Let&#039;s stop allowing the government to keep prices artificially inflated with home-owner bail-outs - Anyone with me ?</description>
		<content:encoded><![CDATA[<p>Renters like me who sat out of the housing boom continued to pay outrageous rents while our incomes sat stagnant. The disparity between pay and home cost has soared beyond imagining.  There has been no opportunity to save like there was for older generations. We also had no opportunity to sell property that we bought cheap. We hoped and prayed the market would fall and rebalance to a place were we could hope to live the American dream of home-ownership. Since then everthing has been condo-ized and remains artificially inflated while also reducing the number of apartments &#8211;thus inflating rent and further reducing savings. The dream of my own yard and raising a family has been circumsized. What we once considered  apartments have been converted to “condo’s” that are selling for the price of what used to get an entire house (condos for which we still can’t afford.) This is a generational issue &#8211; our elders and venture profiteers have sold out to greed and sold the American dream to flip a profit. What happend to buying a home to live in it? I say we limit the number of properties “property” corporations and developers can buy up in one town!!! Let’s not allow them to keep using housing as their new stock market! Let&#8217;s stop allowing the government to keep prices artificially inflated with home-owner bail-outs &#8211; Anyone with me ?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: marcitz</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-276</link>
		<dc:creator>marcitz</dc:creator>
		<pubDate>Tue, 26 May 2009 14:16:24 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-276</guid>
		<description>Good move.  I have seen some Craigslist/Google mashups that at least give you a good idea where apartments are.

True there should be an MLS but unlike an MLS it should be freely available and not controlled by a dying monopoly as is the current real estate MLS.  Thank the lord for Trulia, Zillow, etc...  Sure there price estimation data sucks but at least you can do more research on your own.</description>
		<content:encoded><![CDATA[<p>Good move.  I have seen some Craigslist/Google mashups that at least give you a good idea where apartments are.</p>
<p>True there should be an MLS but unlike an MLS it should be freely available and not controlled by a dying monopoly as is the current real estate MLS.  Thank the lord for Trulia, Zillow, etc&#8230;  Sure there price estimation data sucks but at least you can do more research on your own.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Abner</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-275</link>
		<dc:creator>Abner</dc:creator>
		<pubDate>Tue, 26 May 2009 00:47:12 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-275</guid>
		<description>We bought a Boston condo in 2005. My mortgage guy said he could lend me 3x what we took to buy our place - not exactly the hat in hand while visiting the bank image in the movies. We sold our place last spring when it became obvious to me the market was a bubble and our place was too small to handle our growing family. 

One of the most annoying parts of transferring from a home buyer to a renter is there is no MLS equivalent for renting. If there was, I would have gladly paid a broker fee to find the right place, but in Boston (at least) rental brokers are useless. Since the buyer/renter has very little information outside of craigslist postings, you have to let a series of lowlife brokers drag you through the crappiest apartments while they slowly get nicer and nicer in the hope they can unload the bottom of the barrel on you. This, of course, is a small price to pay vs. the losing massive chunks of equity on a house, but humans are not rational and I certainly found myself considering buying a house where the process at least can be far easier.

Nice site. Keep it up.</description>
		<content:encoded><![CDATA[<p>We bought a Boston condo in 2005. My mortgage guy said he could lend me 3x what we took to buy our place &#8211; not exactly the hat in hand while visiting the bank image in the movies. We sold our place last spring when it became obvious to me the market was a bubble and our place was too small to handle our growing family. </p>
<p>One of the most annoying parts of transferring from a home buyer to a renter is there is no MLS equivalent for renting. If there was, I would have gladly paid a broker fee to find the right place, but in Boston (at least) rental brokers are useless. Since the buyer/renter has very little information outside of craigslist postings, you have to let a series of lowlife brokers drag you through the crappiest apartments while they slowly get nicer and nicer in the hope they can unload the bottom of the barrel on you. This, of course, is a small price to pay vs. the losing massive chunks of equity on a house, but humans are not rational and I certainly found myself considering buying a house where the process at least can be far easier.</p>
<p>Nice site. Keep it up.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: linda</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-123</link>
		<dc:creator>linda</dc:creator>
		<pubDate>Mon, 16 Mar 2009 20:58:31 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-123</guid>
		<description>You&#039;re not from NYC, are you? 

Everybody outside NY assumes New Yorkers read the NY Times.

They don&#039;t. The Sunday edition is popular, yes, but for everyday reading, you&#039;ll see people reading the Daily News or the Post, or one of the little freebies put out by the very same tabloids, or maybe the WSJ, but rarely the Times. The Times&#039; market is definitely more upscale, so it&#039;s not so weird that they would write more about owners. And finally, renters aren&#039;t causing a widespread global financial crisis, are they!?</description>
		<content:encoded><![CDATA[<p>You&#8217;re not from NYC, are you? </p>
<p>Everybody outside NY assumes New Yorkers read the NY Times.</p>
<p>They don&#8217;t. The Sunday edition is popular, yes, but for everyday reading, you&#8217;ll see people reading the Daily News or the Post, or one of the little freebies put out by the very same tabloids, or maybe the WSJ, but rarely the Times. The Times&#8217; market is definitely more upscale, so it&#8217;s not so weird that they would write more about owners. And finally, renters aren&#8217;t causing a widespread global financial crisis, are they!?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: New York Times FINALLY Says NO to Housing Bailouts&#8230; &#171; Watching the Marcitz</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-109</link>
		<dc:creator>New York Times FINALLY Says NO to Housing Bailouts&#8230; &#171; Watching the Marcitz</dc:creator>
		<pubDate>Sat, 14 Mar 2009 19:14:57 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-109</guid>
		<description>[...] Does it make any difference that the money lost was in investments as opposed to a house?  Technically it shouldn&#8217;t but housing has been given a special, irrational place in society as something different.  True you don&#8217;t live in your investments but you can always rent, you don&#8217;t have to actually own a house (and if you hold a mortgage you don&#8217;t &#8220;own&#8221; your house anyway, you have an option to own in 15-30 years).  But renters are the invisible detritus of society but that is a topic better covered here. [...]</description>
		<content:encoded><![CDATA[<p>[...] Does it make any difference that the money lost was in investments as opposed to a house?  Technically it shouldn&#8217;t but housing has been given a special, irrational place in society as something different.  True you don&#8217;t live in your investments but you can always rent, you don&#8217;t have to actually own a house (and if you hold a mortgage you don&#8217;t &#8220;own&#8221; your house anyway, you have an option to own in 15-30 years).  But renters are the invisible detritus of society but that is a topic better covered here. [...]</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Karyn</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-97</link>
		<dc:creator>Karyn</dc:creator>
		<pubDate>Tue, 10 Mar 2009 00:12:56 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-97</guid>
		<description>I have written to every government agency I can find and have been tossed one excuse after another and have been passed from one state office to another with no assistance real explanation.  Just yesterday I watched a news program filmed on Feb 16th 2009 of Senator Bill Nelson going throughout the Tampa Courthouse displaying the mold there, (nothing compared to the mold left for me in the home I bought), and what the workers are experiencing health wise due to this mold.  

What is it that makes those who work in the courthouse more worthy as human beings than myself?  I pay my taxes, I educated myself in Florida colleges, and I suffer devastating health issues just as those courthouse workers do.  The only difference is that my mold came in the form of mortgage and disclosure fraud and misrepresentation, perpetuated by the OFR.

I have been victimized not only once by the crooked mortgage broker colluding with the sellers to put me in the contaminated home with a forged signature and altered documents. I didn’t buy more than I could afford, nor did my finances warrant a predatory loan, I’m a veteran of the USAF. 

Now I find I am victimized twice in finding that the OFR gave a brokers license to Art Seaborne, the mortgage broker, just 9 years after revoking his real estate license for mortgage fraud, oh and just one year after a chapter 7 bankruptcy… it doesn’t take a brain surgeon to see what is going to take place there does it??? (All this information took me years to find, not easily accessible to find out before a closing).  

Those of us left with nothing by the mortgage brokers are again ignored and victimized by our Presidents mortgage assistance bill, which completely ignores those in my position who are the real victims of predatory lending and mortgage fraud.  So it looks to me like its time the State of Florida stepped-up and took responsibility where it is most definitely due, they licensed the crooks after all.  

I have moved from the house, which sits in Sarasota rotting to the ground from water intrusion and toxic black mold, with 2 liens on it for foreclosure.  But I still pay each and everyday.  I am awakening daily struggling to breathe.  I take 2-4 pills each day just to get air in my lungs and go through a box of tissues daily before I can even start my day.  It’s like getting a life sentence for a crime someone else committed, and no home to show for it.  It is just plain wrong!  

My court case has stalled because the sellers and the mortgage broker can afford high priced lawyers who just keep the case going to use up what little money I can make while they use the money they stole from me to fund their criminal activities and representation.  This alone is where the States fraud victims fund is owed in assistance to those of us stuck fighting your hired criminals for our inalienable rights.  After all OFR, you are supposed to be working through regulations to protect us from this type of crime.

I am a 48-year-old divorced woman who had so much promise for my future.  I had planned to go back to UFS for my masters but can barely afford living expenses and a lawyer now.  

I know through research that I am not the only one in this situation.  That is why the victim’s fund must be brought back and used to assist us in our struggle, after all our funds are now paying for the high priced lawyers your licensed criminals are buying.

I would like the opportunity to address the legislature concerning the victim’s fund.  We who are the victims are not just another situation we are human beings, tax-paying citizens who deserve to live and breathe and have our lives back.

Receiving assistance from this fund could very well mean the difference of living a full life or living a lifetime of sickness and financial disability to so many of your victims.  

I was fucked out of my money, my home and my health at the fault of the FLORIDA OFFICE OF FINANCIAL REGULATIONS



.</description>
		<content:encoded><![CDATA[<p>I have written to every government agency I can find and have been tossed one excuse after another and have been passed from one state office to another with no assistance real explanation.  Just yesterday I watched a news program filmed on Feb 16th 2009 of Senator Bill Nelson going throughout the Tampa Courthouse displaying the mold there, (nothing compared to the mold left for me in the home I bought), and what the workers are experiencing health wise due to this mold.  </p>
<p>What is it that makes those who work in the courthouse more worthy as human beings than myself?  I pay my taxes, I educated myself in Florida colleges, and I suffer devastating health issues just as those courthouse workers do.  The only difference is that my mold came in the form of mortgage and disclosure fraud and misrepresentation, perpetuated by the OFR.</p>
<p>I have been victimized not only once by the crooked mortgage broker colluding with the sellers to put me in the contaminated home with a forged signature and altered documents. I didn’t buy more than I could afford, nor did my finances warrant a predatory loan, I’m a veteran of the USAF. </p>
<p>Now I find I am victimized twice in finding that the OFR gave a brokers license to Art Seaborne, the mortgage broker, just 9 years after revoking his real estate license for mortgage fraud, oh and just one year after a chapter 7 bankruptcy… it doesn’t take a brain surgeon to see what is going to take place there does it??? (All this information took me years to find, not easily accessible to find out before a closing).  </p>
<p>Those of us left with nothing by the mortgage brokers are again ignored and victimized by our Presidents mortgage assistance bill, which completely ignores those in my position who are the real victims of predatory lending and mortgage fraud.  So it looks to me like its time the State of Florida stepped-up and took responsibility where it is most definitely due, they licensed the crooks after all.  </p>
<p>I have moved from the house, which sits in Sarasota rotting to the ground from water intrusion and toxic black mold, with 2 liens on it for foreclosure.  But I still pay each and everyday.  I am awakening daily struggling to breathe.  I take 2-4 pills each day just to get air in my lungs and go through a box of tissues daily before I can even start my day.  It’s like getting a life sentence for a crime someone else committed, and no home to show for it.  It is just plain wrong!  </p>
<p>My court case has stalled because the sellers and the mortgage broker can afford high priced lawyers who just keep the case going to use up what little money I can make while they use the money they stole from me to fund their criminal activities and representation.  This alone is where the States fraud victims fund is owed in assistance to those of us stuck fighting your hired criminals for our inalienable rights.  After all OFR, you are supposed to be working through regulations to protect us from this type of crime.</p>
<p>I am a 48-year-old divorced woman who had so much promise for my future.  I had planned to go back to UFS for my masters but can barely afford living expenses and a lawyer now.  </p>
<p>I know through research that I am not the only one in this situation.  That is why the victim’s fund must be brought back and used to assist us in our struggle, after all our funds are now paying for the high priced lawyers your licensed criminals are buying.</p>
<p>I would like the opportunity to address the legislature concerning the victim’s fund.  We who are the victims are not just another situation we are human beings, tax-paying citizens who deserve to live and breathe and have our lives back.</p>
<p>Receiving assistance from this fund could very well mean the difference of living a full life or living a lifetime of sickness and financial disability to so many of your victims.  </p>
<p>I was fucked out of my money, my home and my health at the fault of the FLORIDA OFFICE OF FINANCIAL REGULATIONS</p>
<p>.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: marcitz</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-73</link>
		<dc:creator>marcitz</dc:creator>
		<pubDate>Fri, 06 Mar 2009 07:01:06 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-73</guid>
		<description>Actually the search function on NYTimes is a bit messed up and tends to show 10,000+ even for ones that aren&#039;t.  I found that when doing my original research.  If you hit next a couple of times you&#039;ll run out of search results and the header with the count will fix itself.  At first I was being told that over 30 days renter only happened 100 or so times and homeowner was 10,000.  That would have made my analysis that much more compelling but alas in reality its only 3-to-1 which is still compelling enough.</description>
		<content:encoded><![CDATA[<p>Actually the search function on NYTimes is a bit messed up and tends to show 10,000+ even for ones that aren&#8217;t.  I found that when doing my original research.  If you hit next a couple of times you&#8217;ll run out of search results and the header with the count will fix itself.  At first I was being told that over 30 days renter only happened 100 or so times and homeowner was 10,000.  That would have made my analysis that much more compelling but alas in reality its only 3-to-1 which is still compelling enough.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: marcitz</title>
		<link>http://reallyfuckedhomeowner.com/2009/03/03/just-how-invisible-are-renters/#comment-72</link>
		<dc:creator>marcitz</dc:creator>
		<pubDate>Fri, 06 Mar 2009 06:59:08 +0000</pubDate>
		<guid isPermaLink="false">http://reallyfuckedhomeowner.com/?p=71#comment-72</guid>
		<description>Thank you for your efforts to save, not ask for a bailout and mostly for your service to our country.</description>
		<content:encoded><![CDATA[<p>Thank you for your efforts to save, not ask for a bailout and mostly for your service to our country.</p>
]]></content:encoded>
	</item>
</channel>
</rss>
