and when it's over, very little of it means a thing.
You've got to love old movies. Sometimes they inspire what thousands of "Real Life" occurences will never. Such is this title.
According to Wikipedia, the word 'mortgage' comes from the Old French "dead pledge," apparently meaning that the pledge ends (dies) either when the obligation is fulfilled or the property is taken through foreclosure.[1]
Foreclosure, ahhh... the popular term these days. Not so popular, but more common than it should be. When I found out that it had even the hint of death attached to its definition, I was pleasantly curious. While I rarely (okay, more times than rarely) wish negative things on those around me, I wanted to dive back into what I did for eight years. As I've written before, I didn't even know what a mortgage was before entering the Lending Industry. That's what a College Degree in Psychology and four years of partying got me ... thinking that you could live like Jim Morrison, die at 27, and have lived out your life in full in the process. In retrospect, I suppose I knew what it was all along. A mortgage is the world around you, telling you, that very little can be accomplished totally alone.
When I got into the business, it was because I wanted to get out of the Restaurant Biz. I wanted a career, money, and an appropriate outlet to wear stalkings (or stockings, whichever is preferred) while quoting interest rates to total strangers. Silly me, I ended up in freaking heels. Kidding, of course. It was more of a buttoned down robe with velvet slippers.
And then I got fed up, without enough to eat. I breathed air that I didn't have the lungs to continue to breathe. It wasn't fun anymore. A Mortgage, for me, was death. At the tender (okay, it's not as tender as it was when I was 22 and wishing my Mother a goodnight as she was wishing me a good morning at 6:00 AM) age of 33, I was a ball of nerves in a world of incompetence. The ‘big hitters' that surrounded me were nothing more than loud-mouthed, well, some of them were really good people. Some of them still are.
Unless you're liquid (read>>>have cash in bulk) you'll need a Mortgage to buy a home. And buying a home, I believe, is a nice start to financial security and maturity. Sure, it's a pain in the posterior at times, yet if you can find the right Guy or Gal to help you along the path ... it could very well be, quite righteous.
A Mortgage is death, as is Life. It's inevitable and seems good business and spiritual sense.
It's not always necessary and it's not always evil. It's just a mortgage. And with or without it, you probably could be merrier. But if you are with it, just don't fight with it alone...
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