OVER KILL ANOTHER WAY TO SAY GOVERNMENT

AS I START MY NEW CAREER, I AM OF MIXED FEELINGS, ON ONE HAND, I WANT ALL THE WORK I CAN GET. AS THINGS STAND RIGHT NOW I AM SITTING HOME TOO MANY DAYS. YET WHEN I AM OUT, I THINK WHAT A WASTE OF TAX PAYERS MONEY. I AM WHAT IS KNOWN AS AN OCCUPANCY INSPECTOR, WHAT THAT MEANS IS THAT I GO TO HOMES WHICH ARE ON A LIST GIVEN TO ME, AND I CHECK, IF SOMEONE IS, AND WHO IS LIVING THERE, IF THERE IS NO ONE LIVING THERE, I CHECK TO SEE THE HOME IS SECURE, LOCKED DOORS AND WINDOWS, HAS IT BEEN WINTERIZED, IS THERE ANY HAZARDOUS CONDITION TO BE REPAIR., I AM HIRED THOUGH VARIOUS COMPANIES WHO ARE PAID BY MORTGAGE COMPANIES OR BANKS FOR THIS SERVICE. SOMETIMES I HAVE A (CALL BACK) CARD I HAND TO THE OCCUPANT OR HANG ON THE DOOR. THIS IS TO NOTIFY THE MORTGAGEE THAT THEY NEED TO CALL THEIR BANK. THERE ARE MANY THINGS THAT CAN RAISE A FLAG IN SOME BANKS COMPUTER TO START THIS PROCESS. A LATE PAYMENT, APPLICATION FOR A MODIFIED LOAN, EXCESSIVE CREDIT CHECKS, APPLICATION FOR ANOTHER LARGE LOAN, ETC. MOST TIMES WHAT EVER THE PROBLEM IT IS RESOLVED IN A COUPLE OF MONTHS, YET I GET SENT BACK OVER AND OVER TO THE SAME HOUSES. NOW YOU SAY, WHAT AM I COMPLAINING ABOUT, I GET WORK FROM THE REPEAT INSPECTIONS, RIGHT? YES I DO. LETS EXAMINE THIS CLOSER. MOST OF THESE INSPECTIONS ARE A RESULT OF BANKS MAKING LOANS WITH LITTLE REGULATION OR FINANCIAL REQUIREMENTS TO PEOPLE WITH QUESTIONABLE INCOME AND ABILITY TO PAY THE LOAN BACK. MAKING A LOT MORE LOANS IN THIS DEREGULATED MARKET, THE BANKS LIQUID ASSESTS GOT TOO LOW, SO THEY SOLD THE LOANS TO MORTGAGE BANKS, THEY IN TURN BUNDLED THESE MORTGAGES TOGETHER AND SOLD THEM TO WALL STREET, WHERE THEY WERE THEN SOLD TO INVESTMENT GROUPS. NOW WHEN THE ORIGINATER OF THE LOAN GETS IN TROUBLE HE IS THREE STEPS AWAY FROM THE LOAN HOLDER. THE LOAN HOLDER IS NO LONGER A BANK. THEREFORE HE CANNOT GO DOWN TO THE BANK AND GET AN EXTENTION, OR BE FORGIVEN ONE MONTH AND EXTEND THE LOAN. HE HAS NO WHERE TO GO. ONE THING LEADS TO ANOTHER, HE FEELS HELPLESS AND JUST THROWS IN THE TOWEL. PACKS UP AND MOVES IN WITH RELATIVES. SOMETIMES UP NORTH, IT FREEZES BEFORE ANYONE FIGURES OUT HE HAS MOVED, THE WATER PIPES BREAK, FLOODING THE HOUSE, THE HOUSE IS RUINED. SO THE REASON TO INSPECT IS VALID, BUT HAD LOANS ONLY BEEN GRANTED TO THOSE WHO COULD AFFORD TO BUY A HOUSE, MOST OF THIS WOULD NEVER HAPPEN. NOW THE INVESTMENT GROUP OR THE MORTGAGE BANK HAS NOT ONLY LOST THE PROPERTY , THEY HAVE TO PAY SOMEONE TO DEMOLISH IT. LOSS PILED ON LOSE. ALONG COMES UNCLE SAM, BAILOUT TIME. NOW YOU AND I THROUGH OUR TAXES HAVE TO PAY FOR THE LACK OF REGULATION IN THE BANKING INDUSTRY. THE GOVERNMENT INSTEAD OF CHANGING THE RULES, JUSTS CONTINUES TO TELL THE BANKS THEY HAVE TO MAKE THESE ILL ADVISED LOANS. BUT, THEY ALSO MUST KEEP BETTER TRACK OF WHAT IS GOING ON. THAT IS HOW MY JOB CAME INTO EXISTENCE. BUT LIKE ALWAYS, THE BANKS HIRE SOMEONE ELSE TO DO THEIR CHECKING, AND THAT COMPANY HIRES SOMEONE ELSE AND THAT COMPANY HIRES ME. THEN THE BANKS NEVER FOLLOW UP ON THE INFORMATIO I PROVIDE AND THEY KEEP ON SENDING ME OR SOMEONE ELSE OUT TIME AFTER TIME. I HAVE BEEN REQUESTED TO LEAVE DOOR TAGS AT HOMES WHERE THE OWNER HAS BEEN DEAD 4 YEARS AND NO ONE PICKS UP THE TAGS FOR MONTHS. I HAVE BEEN INSTRUCTED TO LEAVE A DOOR TAG AT A HOME THAT HAS NO DOORS, IT BURNED DOWN SIX MONTHS AGO. THIS COST, AND I MUST SAY I DO NOT GET RICH DOING THIS, BUT BY THE TIME THE TWO COMPANIES BETWEEN ME AND THE BANK THAT ORDERS THE INSPECTION TAKE A CHUNK OF THE MONEY AND I BUY MY GAS FOR MY VEHICLE. THE TOTAL COST IS SUBSTANTIAL. AND YOU AND I ARE PAYING FOR THIS THROUGH OUR TAXES, BECAUSE THE BANKS ARE PAYING FOR THIS WITH BAILOUT MONEY. IF CHRIS DODD, BARNEY FRANK AND CHARLES SCHUMMER HAD BEEN DOING THEIR JOB INSTEAD OF GIFTING THEIR FRIENDS AT FANNIE MAY AND FREDDIE MACK, WE WOULD NOT BE OUT BILLIONS OF DOLLARS THAT THE TAX PAYER HAS TO PAY BACK.
WASTE NOT, WANT NOT. NOW WE ARE GETTING GOVERNMENT IN OUR HEALTH CARE, YOU KNOW HOW MUCH THAT IS GOING TO COST, THE WASTE MORE BOYS ARE IN CHARGE. FUNNY EVEN WITH ME CHECKING EVERY MONTH MORE AND MORE HOUSES BECOME VACANT AND NO ONE IS TAKING CARE OF THEM.
I want to thank all of you tax payers for hiring me...