Should have listened to the bears.... My story

mewbie_2

fc123 wrote: »

House I own...man I would be round there like a shot to check out my new neighbour.

I have a simple form which I ask them to fill out as a friendly "getting to know you " thing.

1. Do you have unusual or loud hobbies.
2. Have you or your family ever been in prison.
3. Do you have visitors. Or family.
4. Will any of them stay overnight (using up parking spaces and making a noise).
5. Do you order stuff by post which might mean the delivery agent asking to leave stuff in your care.
6. Do you get milk delivered - at 4 o' clock in the morning.
7. Do you own a pet. Will you ever own a pet.
8. Do you drink. Or smoke. Or take drugs.
9. Do you hold parties.
10. If you ever need something would you ask me for help.

It's just an informality really and helps to break the ice.

fc123

mewbie wrote: »

I have a simple form which I ask them to fill out as a friendly "getting to know you " thing.

1. Do you have unusual or loud hobbies.
2. Have you or your family ever been in prison.
3. Do you have visitors. Or family.
4. Will any of them stay overnight (using up parking spaces and making a noise).
5. Do you order stuff by post which might mean the delivery agent asking to leave stuff in your care.
6. Do you get milk delivered - at 4 o' clock in the morning.
7. Do you own a pet. Will you ever own a pet.
8. Do you drink. Or smoke. Or take drugs.
9. Do you hold parties.
10. If you ever need something would you ask me for help.

It's just an informality really and helps to break the ice.

It's the grass in London suburbia that really does it though...OH looks at neighbours grass and says stuff like..Ooooh Linda + Tony must be busy at the mo...grass looks long.
L + T are ravers aged 65+...and do they know how to rave too....their psrties go on all night and they are 20 yrs older than us.

Then he get' s stressed...got to go to London to cut the grass as our's is the shabbiest.

treliac

fc123 wrote: »

L + T are ravers aged 65+...and do they know how to rave too....their psrties go on all night and they are 20 yrs older than us.

Don't you get to go?

fc123

treliac wrote: »

Don't you get to go?

I like to rave with my own age group
Worse they drink way more than us too.

treliac

In our road all age groups go along to parties - young families and some who've retired. Just a few keep themselves more to themselves though none of us live in each others pockets! It's a nice kinda feeling of belonging and a lovely group of people (though it wasn't always so friendly!)

macaque_2

spurs_nut wrote: »

Well..... My story.

In 2007 i was one of the fools who wanted a house straight away, without having to work hard for it. I also enjoyed all the latest mod cons.... new cars, holidays, sky world HD so saving for a deposit was out of the question. I decided to go see a "whole of market broker" and they managed to source us a mortgage on 6x our salary multiples. One snag..... No deposit. Solution? Bank loan! We get our mortgage.
I was often on the house forum on here before trying to get our mortgage and there was often talk of an impeding crash and that many people would be suffering in couple of years time. I was given advice to not go ahead with getting a mortgage and instead save for a deposit and wait for the 50% drops. However, thinking I knew best I went for the mortgage and got my home.
Fast forward two years later and stuck in quite amount of negative equity the !!!! hit the fan. With my fixed rate soon ending and having the prospect of not being able to remortgage I was really screwed. If only I had spent the last two years overpaying my mortgage and not spending all my surplus on drinking, holidays, fags, and loads of expensive gadgets. If only I had listened to the bears in the first place and saved??????
Anyway, to make matters worse my lender went bust. Were they going to sell my mortgage on? At least the low interest rates were giving me a glimer of hope for the time being.
Then the dreaded letter came through the post, the letter that said the were going to sell my mortgage on and I'd be subjected to hideous interest rates with no hope of remortgaging. Looks like repossession on the cards, Definitely should of listened to the bears.
On opening the letter heres what it said......
"We will give you £40000 if you take your mortgage elsewhere."
Oh, OK then. Thanks.
Thanks for a free deposit paid from the interest on all the bears saving. (they're still waiting for the 50% free fall :rotfl:)
The morale of the story is, Saving gets you nowhere!
Big thanks goes to the bankers, mr brown and the recession. I'm now off to book another holiday from the rest of the leftovers from my remortgage.
Adios.
P.s Enjoy the wait Bears

This sounds like an alcoholic laughing at the world having discovered a half empty bottle of vodka in the ditch.

You were foolish to buy a property at 2007 prices on a 6x mortgage. Your finacial difficulties were aleviated for a time but not solved. You still own an over priced house with an over leveraged mortgage. You had an opportunity to repair some of the damage but you used the money for "drinking, holidays, fags, and loads of expensive gadgets".

I strongly recommend that you hang onto the boxes that came with the 'expensive gadgets' (especially the ones that are big enough to sleep in).

Cleaver

macaque wrote: »

This sounds like an alcoholic laughing at the world having discovered a half empty bottle of vodka in the ditch.

Yet again macaque, I think you've come up with a strapline that we could use as a slogan for the board:

Debate House Prices, the Economy & Recession: like a load of alcoholics laughing at the world having discovered a half empty bottle of vodka in the ditch.

Remember: be nice to other moneysavers!

Cleaver

nollag2006 wrote: »

Whoo !! Hoo !!

Bear baiting is such fun....

... and so easy !!

:j:j

As most people on this board will inform you, I'm probably on the more bullish and optimistic side of things. And up until recently I had a 'property portfolio'. So technically, you're bull baiting. We're the same you and I (in an ideological sense maybe, obviously not in the same intellectual strata). But I don't think it matters which species you're baiting, the bottom line is that you're not very good at it. And the original poster is still a c*ck.

owitemisermusa

W.U.M.

Not bothering to read rest of thread.

Spirit_2

Milliewilly wrote: »

You can tell its half term :rolleyes:

Cracking imagery..........young, male,homealone,no mates,6 or 7 GCSE's grades D-B. Fantasises about...........Cheryl Cole, being a Dragon in "Dragons Den", having spending money generated by highly leveraged home buying, putting 'one over' older guys and girls on an internet forum.



Or maybe....... Spurs_Nut is a Teacher.