Friday, March 02, 2007

loan on a dream

The scene is set up: a woman looks harried and tired as she struggles through a crowded street. She is dressed in drab colors of black and grays. She looks to her side and sees something odd - herself in her own dream or future. The woman in the dream is dressed in brightly flowered dress and looks ecstatic. She is purchasing a house.

Another person walks by and sees herself on an exotic vacation - ready to scuba drive. Person after person walks by and sees their own dream in this reflection. Some see education or business futures. The future dream is unique to each person. Only in the dream are they happy.

The Bank of America will provide the dreams to these people through their "Windows of Opportunity."

Here lies the problem. Our dreams are on loan. We can now get a loan to purchase our dreams rapidly. What happened to hard work and saving for our dreams? Yes, there are times for loans (homes, education, emergency), but it seems that almost every dream is open for a loan opportunity. It seems as if everything is for sale - we can purchase almost anything our hearts desire, and with very little time or effort invested.

Again we see this sale of hope and an idea. It is similar to the ad that tells you that if you purchase this new brand of x, you will be happier and sexier. The dream of happiness is being sold, but is it real? Is it achievable and will it make you truly happier?

Once upon a time our grandparents worked and toiled to achieve their comfort and happiness. It was not something that could be bought and sold. There is nothing wrong with waiting and working for that achievement. It is sad that we are being sold a loan to purchase our dreams.

163 comments:

Phelan said...

I will agree to a point. Some times your hand is pushed and you really have no other choice but to get a loan. That said, We are getting a loan to build a house. It is either that or continue to live in a home that is falling down around us {Mobile home fixing it at this point is a waste of time, energy and materials}

I would prefer to have saved and slowly built our home, just like we saved to buy other things.

Emme said...

Oh yes, I agree - as I said, there are times for loans; homes, education, and extreme circumstances. However, a loan for a vacation? A loan for every desire?

Good luck on building your home!

Jana said...

It is kind of like using credit cards money for purchasing items that are used up--gas, food, most clothing any more. Once the initial desire is gone the purchase is gone. I have always felt better taking a loan on something that has long term value. Hopefully we will have gambled correctly with our mortgage!

Phelan said...

oh yes, the vacation, that must have item. No I could never put myself into debt like that. Not even for a car. I rather earn those things rather then selling myself for them.

Wendy said...

I just finished reading the book "America's Cheapest Family." The Economides' can certainly teach us all a thing or two about what we "need" and what we "want." I loved their simple solutions to getting it all - even vacations - without debt.

Joy said...

Given the history of Bank of America, I saw this ad a bit different. It may be a corporate giant now, but it did start as the local bank of the immigrants. Loans were a part of it even back then, but so were savings. Just as they offer savings and checking, and extend credit to immigrants now, including the "illegals", they were a part of establishing the financial lives of many family businesses through the years.

Sj said...

And we all become happy slaves for our new master? No.. after the wild vacation is over we slave away to make money to hopefully pay off our "great time" before too much interest piles on. Where is the victory or pleasure in the vacation that isn't fleeting? I don't know.. either way I loved the post

Abi said...

It's always about credit isn't it? Credit, dreams, have it all now. Why can't we just say it like it is - would you like to get into debt? Would you like a debt card? You can rack up as much debt as you like, we don't mind. Sigh. I accept that we will need a mortgage to buy a house, but I am also aware of how easily people are duped into debt. It's a personal choice, but let's at least be honest about it.

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Let’s face it, us Americans love our credit cards. In fact, we now use them for nearly 50% of all personal purchases made across the country. That’s a lot, and whatever the reason is for you using yours, one thing is certain, you’re going to have to pay them all back eventually PLUS interest.. march madness or are you?Along with the increasing popularity of plastic, has come an epidemic of Americans charging their way into seemingly inescapable levels of debt. However, lucky for you, there is help available. The most common type of this financial help is called debt consolidation.

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gail said...

I couldn't agree with you more. Lets get back to a time when we saved for what we needed. I really miss being able to lay-by the things that I wanted. For those that don't know what that is. You purchase your goods from the store and they hold them in lay-by till they are paid off and you can then collect them. It was a great system. I do realize that some items need to be bought via a loan, eg home, car. But please let us all live within our means

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Someone once said to me that, to curb impulse buying, they write down the thing that was desired on a slip of paper and put it on the frig. Then one week later look at that note again. Most times the thrill is gone and the item no longer needed or desired.

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