{"id":7043,"date":"2009-08-28T07:14:19","date_gmt":"2009-08-28T14:14:19","guid":{"rendered":"http:\/\/seattlebubble.com\/blog\/?p=7043"},"modified":"2009-08-28T07:14:19","modified_gmt":"2009-08-28T14:14:19","slug":"comment-of-the-week-impulsive-behavior-disorder","status":"publish","type":"post","link":"https:\/\/seattlebubble.com\/blog\/2009\/08\/28\/comment-of-the-week-impulsive-behavior-disorder\/","title":{"rendered":"Comment of the Week: Impulsive Behavior Disorder"},"content":{"rendered":"<p>This comment of the week is <a href=\"http:\/\/seattlebubble.com\/blog\/2009\/08\/27\/what-the-heck-is-the-affordability-index-anyway\/#comment-81345\" title=\"Comment by Jonness\">brought to you by Jonness<\/a>:<\/p>\n<blockquote><p>All\u2019s I know is my household income is 6 figures, I have no kids, I have 20% down, and I still don\u2019t feel like I can afford a house priced $400K. How people are pulling the FHA trigger with 3.5% down and $70K in household income is beyond me. I mean, what happens if a spouse loses a job or a family member gets ill? Don\u2019t people care about long-term stability in their lives? It appears to me, a lot of people borrow as much as they possibly can at every new moment in time.<\/p>\n<p>IMO, no houses are affordable right now, because buyers like me have to compete with 10 flaky families overstretching themselves to get a dump on a 6K sq. ft. lot. They do this purely out of ignorance and an inability to control their impulsive behavior disorder. Then when they default, I pay taxes to bail their irresponsible arses out. Meanwhile, the govt. floods the market with borrowed dollars in order to artificially inflate the price of the foreclosed home so that the crazy banker who made the outrageously risky loan can continue to live in a house that I cannot afford to buy.<\/p>\n<p>This game is crazy.<\/p><\/blockquote>\n<p>So what&#8217;s the cure for impulsive behavior disorder?  Is there one?  Surely there must be a way out of this self-destructive cycle, right?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This comment of the week is brought to you by Jonness: All\u2019s I know is my household income is 6 figures, I have no kids, I have 20% down, and I still don\u2019t feel like I can afford a house priced $400K. How people are pulling the FHA trigger with 3.5% down and $70K in&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[206],"tags":[28,282,305,57],"coauthors":[],"class_list":["post-7043","post","type-post","status-publish","format-standard","hentry","category-features","tag-affordability","tag-bailout","tag-banks","tag-comments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment of the Week: Impulsive Behavior Disorder \u2022 Seattle Bubble<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/seattlebubble.com\/blog\/2009\/08\/28\/comment-of-the-week-impulsive-behavior-disorder\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Comment of the Week: Impulsive Behavior Disorder \u2022 Seattle Bubble\" \/>\n<meta name=\"twitter:description\" content=\"This comment of the week is brought to you by Jonness: All\u2019s I know is my household income is 6 figures, I have no kids, I have 20% down, and I still don\u2019t feel like I can afford a house priced $400K. How people are pulling the FHA trigger with 3.5% down and $70K in...\" \/>\n<meta name=\"twitter:creator\" content=\"@The_Tim\" \/>\n<meta name=\"twitter:site\" content=\"@SeattleBubble\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Tim\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/seattlebubble.com\/blog\/2009\/08\/28\/comment-of-the-week-impulsive-behavior-disorder\/\",\"url\":\"https:\/\/seattlebubble.com\/blog\/2009\/08\/28\/comment-of-the-week-impulsive-behavior-disorder\/\",\"name\":\"Comment of the Week: Impulsive Behavior Disorder \u2022 Seattle Bubble\",\"isPartOf\":{\"@id\":\"https:\/\/seattlebubble.com\/blog\/#website\"},\"datePublished\":\"2009-08-28T14:14:19+00:00\",\"author\":{\"@id\":\"https:\/\/seattlebubble.com\/blog\/#\/schema\/person\/7de7c0dd14bee1a2c67f7ce86bc4505f\"},\"breadcrumb\":{\"@id\":\"https:\/\/seattlebubble.com\/blog\/2009\/08\/28\/comment-of-the-week-impulsive-behavior-disorder\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/seattlebubble.com\/blog\/2009\/08\/28\/comment-of-the-week-impulsive-behavior-disorder\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/seattlebubble.com\/blog\/2009\/08\/28\/comment-of-the-week-impulsive-behavior-disorder\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/seattlebubble.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comment of the Week: Impulsive Behavior Disorder\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/seattlebubble.com\/blog\/#website\",\"url\":\"https:\/\/seattlebubble.com\/blog\/\",\"name\":\"Seattle Bubble\",\"description\":\"local\u00a0real\u00a0estate\u00a0news, statistics,\u00a0and\u00a0commentary without\u00a0the\u00a0sales\u00a0spin.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/seattlebubble.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/seattlebubble.com\/blog\/#\/schema\/person\/7de7c0dd14bee1a2c67f7ce86bc4505f\",\"name\":\"The Tim\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/seattlebubble.com\/blog\/#\/schema\/person\/image\/37756956c11dcc50d2559761ffa5ee70\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/19e5770990a1681615608091b2de571b10c3e03bbac7d07bb2ae15297ee72fbc?s=96&d=retro&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/19e5770990a1681615608091b2de571b10c3e03bbac7d07bb2ae15297ee72fbc?s=96&d=retro&r=g\",\"caption\":\"The Tim\"},\"description\":\"Tim Ellis is the founder of Seattle Bubble. 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