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Am I trapped by my mortgage?

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Comments

  • keeperbear
    keeperbear Posts: 293 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    In short you're a bitter failure, who doesn't enjoy his life and job but hasn't the balls to do anything about it.

    I pity you IFA, but not because of your lot - you can change that if you try, but because you'll read this and not have the vision to see that I'm right. Here, I'll join you in some bitter tears on how crap your life is.. Ohh, woah is you. :cry:

    Dithering Dad,

    You go around labelling people on these forums as "trolls" and "negative posters", but are a very boring and rude troll yourself. Please grow up and stop stalking members by posting idiotic and rude replies to decent posts. You are not god, and your view is not more valid than any other poster. If you don't like certain posts, just ignore them. I now ignore the majority of your recent posts due to your childish and illogical behaviour. You used to post decent messages, but no longer.

    You have posted 900 messages since February, which is at least five a day. I am glad you don't work with me or for me if you post during work hours. Why don't you doing something constructive like playing with your children rather than being a "dithering dad" wasting time by trolling certain forums members. You certainly seem to have too much time on your hands.

    I am sure that you are now on the ignore list of many members, including mine.
  • Kaz2904
    Kaz2904 Posts: 5,797 Forumite
    1,000 Posts Combo Breaker Mortgage-free Glee!
    This has become very personal.

    I think the points to remember are that everyone can earn more (daily clicks etc) and everyone can spend less (the power of MSE).
    Debt: 16/04/2007:TOTAL DEBT [strike]£92727.75[/strike] £49395.47:eek: :eek: :eek: £43332.28 repaid 100.77% of £43000 target.
    MFiT T2: Debt [STRIKE]£52856.59[/STRIKE] £6316.14 £46540.45 repaid 101.17% of £46000 target.
    2013 Target: completely clear my [STRIKE]£6316.14[/STRIKE] £0 mortgage debt. £6316.14 100% repaid.
  • Dithering_Dad
    Dithering_Dad Posts: 4,554 Forumite
    Mortgage-free Glee!
    keeperbear wrote: »
    Dithering Dad,

    You go around labelling people on these forums as "trolls" and "negative posters", but are a very boring and rude troll yourself. Please grow up and stop stalking members by posting idiotic and rude replies to decent posts. You are not god, and your view is not more valid than any other poster. If you don't like certain posts, just ignore them. I now ignore the majority of your recent posts due to your childish and illogical behaviour. You used to post decent messages, but no longer.

    You have posted 900 messages since February, which is at least five a day. I am glad you don't work with me or for me if you post during work hours. Why don't you doing something constructive like playing with your children rather than being a "dithering dad" wasting time by trolling certain forums members. You certainly seem to have too much time on your hands.

    I am sure that you are now on the ignore list of many members, including mine.

    Other posters may wonder where keeperbear's vitriolic attack on me has come from. Basically keeperbear goes around posting negative comments to people;'s questions such as "Stop spending money you idiot" to people who ask for help on the DFW board and "Put all your money in property, you fool" to anyone who suggests renting and investing rather than housebuying.

    I asked him a couple of questions like "Keeperbear, why are you logging such nasty posts", "Keeperbear, do you think that your one comment snipe at the OP was in any way helpful to them?", "Keeperbear, why are you advising people to get huge mortgages to get on the property ladder when you believe there wll be a crash?"

    Now he's on here spouting the same vitriol, defending someone who is very much like him - posting messages that are designed to cause offence (such as rich people have big gobs", etc.

    The reason my other posts were acceptable to keeperbear and now they're not is because earlier I used to ignore his nasty comments and now I do not. The trouble with tackling these trolls is that you end up having fight in the mud with them and sometimes that mud rubs off on you.

    Keeperbear, anyone who does a search for your posts will find 5% of them supportive the remainder are pure troll. Anyone searching my posts will find 99% of them supportive and 1% trying to get trolls like you to modify their behaviour.

    I see that I have wasted that 1% of my time and so will leave you to it. Keeperbear has suddenly come to the MFW thread because they see through him on the Housbuying and Mortgage thread where he usually hangs about. I do believe they think he's a prat: http://forums.moneysavingexpert.com/showpost.html?p=5588610&postcount=34

    As a final retort, keeperbear, you keep telling me I'm on your (very long) ignore list. If that's the case then why do you keep popping up with posts like this. PLEASE IGNORE ME!!! :rotfl:

    p.s. I have such a high post count because I make a lot of posts that simply say "good luck" or "well done" or "congratulations!!" on the MFW and especially the DFW board. Something that is totally alien to the likes of you, Mr. Troll. You have such a low post count because:

    a. You have nothing interesting to say.
    b. You can only make a post when it'll make you look good and the OP a fool.
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • Dithering_Dad
    Dithering_Dad Posts: 4,554 Forumite
    Mortgage-free Glee!
    cupid_s wrote: »
    I asked my DH this morning how much we would need to earn for him to think we are rich. He said 'hundreds of thousands a year'. We currently manage ok on a combined income of 20k and don't really do without anything we want, and would do extremely well on 70k but doing extremely well is not the same as being rich.

    I don't think that just anyone can set up their own business though. I'm a scientist - what could I do to earn more?


    Hey Cupid :)

    You don't necessarily have to have a particular skill to set up a business. I have a pal who does what I do and is looking into buying into a bakery franchise. Yet the only experience he has of baking is buying pasties down at Greggs. ;)

    What do you do as a scientist? Could you invent a new polymer that replaces uPVC for windows and is more environmentally sound? Hmnn, not a bad idea - if you do then I demand a 10% cut!!
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • cupid_s
    cupid_s Posts: 2,008 Forumite
    Hey Cupid :)

    What do you do as a scientist? Could you invent a new polymer that replaces uPVC for windows and is more environmentally sound? Hmnn, not a bad idea - if you do then I demand a 10% cut!!

    Hi DD
    Materials science is not my field. I'm currently working on finding a cure for Alzheimer's but I'm not holding out much hope of getting far with it. Shame really as it'd make someone very rich
  • Dithering_Dad
    Dithering_Dad Posts: 4,554 Forumite
    Mortgage-free Glee!
    cupid_s wrote: »
    Hi DD
    Materials science is not my field. I'm currently working on finding a cure for Alzheimer's but I'm not holding out much hope of getting far with it. Shame really as it'd make someone very rich

    There's more to life than making money. To be involved in helping to create a cure to a disease like Alzheimer's would be far more gratifying than making a few grand.

    Bit of argie bargie going on in this thread huh? :) We've not seen anything like this in MFW since Sloppy Saver used to come in and wreck the place. Not sure it helps the OP, but I think his post was just a bit of fun anyway, so no harm done.

    There sure are some odd bods on MSE though. Hopefully they'll go back to the investment, housing and other threads where they belong...
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • InMyDreams
    InMyDreams Posts: 902 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Curv wrote: »
    All joking aside, the 'risks' you speak of and the 10% chance of failing etc etc... would that all not fall into the 'lack of self-belief' category?

    Yawn...more fool you if you think anyone starting out on their own has dead cert odds of succeeding, however sound the idea, business plan and demand is. Also, people's circumstances (as well as their personality types) will have a huge effect on what risks they can afford to take.
    Curv wrote: »
    Someone wise once told me this: "Successful people are willing to do what unsuccessful people aren't." It's true.

    I've no doubt. I'm not sure of your point though. There's still no guarantee for those willing to do whatever it is.
    InMyDreams wrote: »
    ...might clarify my misunderstanding of what you said about people who earn less than £70k.
    That's my whole point. I didn't say a thing about people who earn less than 70k. Not a single word. I suggest you read my original post and highlight in red where I said something about people who earn less than 70k. I look forward to seeing this post as I suspect your red ink will remain in the bottle.

    :rotfl:Ooh, DD, you're taking my words out of context now. What I said next was that
    InMyDreams wrote: »
    I also didn't say that you said 'poor people are lazy'. I said that your comments 'could imply' that they don't work as hard as you. That's a far cry from 'lazy' and even then only a possible interpretation.

    OK, to be fair to you, I should have inserted the word 'apparent' in there... 'my apparent misunderstanding'. You were the one putting words into my mouth about what I understood you to be saying. You were the first one to suggest I didn't understand you and you were the one who accused me of saying that you had said (are you still with me?) that 'poor people are lazy'. Maybe you should put in red ink where I said that?

    And if you want some more red ink, as requested ;), you know exactly the phrase that I interpreted as saying anything about people earning less than you was, but again, in its entirety...
    The people I know (including myself) who are on 70k plus have to work damned hard for their money and it involves a lot of personal sacrifice such as working long hours and being away from home during the week and weekends...

    which does, rightly or wrongly, imply to me that you think working damned hard for your money and making personal sacrifice for it means a person deserves £70k. Ergo (and I accept that this extrapolation may not have been your intention, hence the word 'could' when I said it 'could imply') people who do not earn 70k do not work this hard otherwise they too would be earning £70k because that's what such people deserve. I do think there is an implication in your words that suggests you think you work harder than than people who earn less. When I thanked you for clarifying, I guess I was thanking you for clarifying to me that this is not actually what you thought and that I had got the wrong end of the stick.

    Do you tell your children that because of their working class background, or because they didn't go to the right school or because of any other number of reasons that they shouldn't try to make anything of themselves? Do you tell them that it's better to aim low because then they won't be dissappointed? Do you tell them it's better not to try because they may fail?

    Err, no. But that is exactly *my* point, not yours :rotfl:Don't steel it :p
    My folks didn't, they just pushed me and my siblings to do the best we could, supporting us all the way. I was taught that anything is achievable if you really want it and are willing to put the effort in.

    Are you saying, then, that this upbringing was futile because even if they hadn't pushed and encouraged you in this positive way, your life would be the same now? Can't you even give them a little credit for the successful, well-balanced, happy person you grew up to be? As parents, why do we bother if ultimately everyone has the same opportunities in this life? I think you (and I) are privileged and fortunate to have had this and naturally want to do the same for our kids. You are trying to imply that earning 70K would be just as easy without that upbringing (If I can do it, anyone can, you said). So I should be the one asking you if you are going to leave your children's upbringing to chance. Except isn't that one of the main reasons behind you wanting to pay off your mortgage early? For your daughter's sake? Can't remember exactly and so apologies if I have that wrong. Not about to go searching through posts.

    Right, and to that end I'm going to retire from this thread. I also enjoy the 'argie bargi' and banter but when it starts getting personal (as it has between some posters on this thread, yourself included :naughty:) I'm not really interested any more. I wrote this because you asked me so nicely and made me laugh. Whether or not you bother to respond, I'm now keeping my mouth shut. Personally I think it's time to put this thread to bed unless the OP comes back, so I intend to lead by example.

    :silenced:
  • Dithering_Dad
    Dithering_Dad Posts: 4,554 Forumite
    Mortgage-free Glee!
    I give in. :(

    If people read a straightforward sentence like: "I work Hard for my money" and decide it means: "Anyone who earns less than me is lazy".
    When it actually means "I work Hard for my money, please don't Dis me just because I earn more than you do".

    or

    If people read a straightfoward sentence like "My parents pushed me as hard as they could and supported me all the way"
    and decide it means "My upbringing was futile, I give my parents no credit"
    When it actually means "My parents did what good parents do, supported their children and encouraged them towards their goals"

    or

    If people read a straightforward sentence like: "people can change their work prospects via education, training or by starting their own businesses. Christ, if I can do it, anyone can!"
    and decides it means "I think that you should leave your kids to run wild and be raised by wolves, because in the end it all doesn't matter"
    When it actually means "If you feel you don't have the right skills, then get some training. If you feel your educational level is holding you back then study". "If you have a good business idea, then why not go for it because I'm nothing special, so if I can do do it, so can you."

    and If people just make statements like

    "All it takes to make 70k is to have a big mouth".

    and

    "You have 900 posts, you shouldn't be on here, you should be playing with your kids"

    as though they are amazingly cutting and witty comments that would win prizes on any debating team in the country, nay the world.

    I mean, what's the point? I'd get more sense out of our pet dog.

    That's it for me on this and any other of this sort of thread. It's just a waste of time, it really is. If anyone wants me I'll be in the MFiT thread for the next 33 months or posting an occasional reply to any pensions, payroll or tax queries that people may want answered.
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • Curv
    Curv Posts: 2,572 Forumite
    InMyDreams wrote: »
    I'm not sure of your point though. There's still no guarantee for those willing to do whatever it is.

    How polite - yawn yourself. :rolleyes:

    The point is that some people are prepared to get off their backsides and try whilst others just sit around b!tching about how hard it all is. If you try, sure you might not succeed, but if you don't try you definitely won't. Earning a higher than average salary generally means making a greater than average effort over a longer than average period of time.

    And, well d'uh! Of course there's no guarantee! Otherwise why would the returns be so great? :confused:
    Things I wouldn't say to your face

    Not my real name
  • minimoocow
    minimoocow Posts: 205 Forumite
    I agree this has got very personal but I think that has something to do with the way we percieve "rich" as a negative word!

    The way I see it being rich is having enough money to have what you want without needing to work for it ever again. Therefore you need to inves enough to bring in sufficient income to cover your needs/wants without having to work for it. Which is way it is relative - people's wants are relative!

    I might be happy in a smaller house, smaller car, uk holidays for the rest of my life and so the level of money I need to class myself as rich is much less than someone who wants/needs a larger house, 2 cars, foreign holidays. (nothing wrong with either view!)

    We all have choices and at the end of the day all of us on here have our own motivations. Some of us earn more than others, some of us are happy to settle for less so we don't need to earn more, some of us are striving to earn more and some of us don't have the bottle to jack it all in and set up on our own.

    I do like the community feel on this board so perhaps we could all take a deep breathe and be nice to each other . . . ? Heathly debate is fine but I think this post is crossing the line and the OP appears to have run for the hills?!

    MMC
    xxx
    :j MFiT Club Member 14 :j
    Mortgage Outstanding 01 April 2007 - £51,051 :eek:
    Mortgage Outstanding 25 February 2009 - £NIL :rotfl:
    Savings 01 April 2009 - £1,522

    Paid off 19 years 8 Months early - Original Mortgage £63,000 October 2003 - 25 year term
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