John F. McCullagh
Soliloquy of the first time buyer
To buy, or not to buy: That is the Question.
Whether it is better in the end to suffer
The moods and whims of some outrageous landlord
Or take A.R.M.S. against your future earnings
And end up owning something? In hock, for years;
Pay rent? And by paying rent to say we end
The heart ache and the thousand natural shocks
Home ownership is heir to. Reduced Consumption?
No Politician’s wish! To rent? To lease?
To lease, perchance to own? Ay, that’s a thought
For in the grip of debt you’re paying bills
Till you have shuffled off this mortal coil
It gives one pause. That’s the aspect
That makes calamity of adjusting rates
For who would bear the years and years of debt
Fine dining now reduced to happy meals,
Buyers remorse, and the long delays.
The Questionable title and the risk
Your credit rating doesn’t rate the loan.
When you yourself know if you lose your job
You’ll end up sleeping in your S.U.V.
To grunt and sweat under a heavy load
Under the threat of something worse than debt
The forced short sale, from which, once closed
No equity returns. It puzzles the will.
And makes us rather bear such debts we have
And, if necessary, refinance them still.
Compounding thus make cowards of us all.
And so our youthful promise and ambition
Is hobbled by the weight of student loans
made by lenders judged too big to fail.
In this regard the risk is very real
We lose the house to auction.
(a parody of Hamlet Act 3, Scene one) A shameless rip off of William Shakespeare by John F. McCullagh
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