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MOMMY: He is MAKING ME Read His Posts Thoughts and Prayers. GOoD Thoughts and GOoD Prayers. HATERWORLD Vs THOUGHTs and PRAYERs World. It Is a BATTLE ROYALE. Nobody LOVEs Me. Everybody HATEs Me. Why Don't I Go Eat Worms. Tasty Treats are Wormy Meat. Yes Send message Joined: 16 Jun 02 Posts: 6895 Credit: 6,588,977 RAC: 0 |
...it might come down under $45,000.00, then I could afford it. We Are Not in A Price Goes Down, Interest Rate Goes Down Economy. Price Goes Down, Interest Rate Will Go Up. Monthly Payment-Way Up. Sorry 'Bout dat. Yep is the New Yup. May we All have a METAMORPHOSIS. REASON. GOoD JUDGEMENT and LOVE and ORDER!!!!! |
James Sotherden Send message Joined: 16 May 99 Posts: 10436 Credit: 110,373,059 RAC: 54 |
I agree with Annie (edit: and the angry white man surprisingly) and would like to suggest that those people here offering 'help' remember to watch their tone. With out meaning to I am sure, some of you are coming off as a little rude. I live with finacial difficulties. I dont have a credit card. I have to pay cash for eveything I buy. Car breaks down, Sure hope I can work some overtime. Sorry We cant see that movie and go out for dinner this weekend. Im Glad to be working 6 days a week for the past 4 months. Not because I want to, Beacuse I need to. I will also turn in a weeks vaction and get paid for it. That check will go right into my savings account for future things that want to breakdown. I know about not having money. I also know it is nice dreaming about things that might not ever happen. But one does need to be realistic about one finacial status. An empty fishtank that he dosent even know will hold water? Or the Samsung TV that is broke. And He complains he has no room? [/quote] Old James |
rob smith Send message Joined: 7 Mar 03 Posts: 22205 Credit: 416,307,556 RAC: 380 |
Two comments, and a couple of suggestions Comments 1 - This "new" place looks to be in much better condition than the previous one you looked at. 2 - It is more expensive Suggestion 1 - Without you having any money saved up for a deposit then you need to start saving NOW. Based on the latest property it looks as if you are going to have to have about $3700 saved up and ready land on the table. So start putting by $100 per month, so that in three years you will have that sort of money to lay down. 2 - You need to KNOW how much a lender will land you. So find a mortgage broker, these are people who earn their money by finding mortgages for "strange" cases", talk to them, and find out what they think you will be able to borrow, based on your current situation - the good ones will give this sort of advise free - they only charge when they start to look seriously for you. Once you have started saving, and know what sort of money you will be able to borrow, then you can start to look. It is obvious you have a mental picture of what you want, and where you want it, so that's one bridge crossed. (Last time I moved, from London to Birmingham, I had to use a broker as I had only just started out as a self-employed person, and had no usable financial history. Once I knew what I could expect to borrow I could start looking at what was available and where. In the end I found I could get a standard mortgage, supported by a small insurance premium and didn't actually pay the first broker any money for his 3 minutes of very useful advise.) Bob Smith Member of Seti PIPPS (Pluto is a Planet Protest Society) Somewhere in the (un)known Universe? |
zoom3+1=4 Send message Joined: 30 Nov 03 Posts: 65752 Credit: 55,293,173 RAC: 49 |
Two comments, and a couple of suggestions Yes, it is more expensive, prices I've been told are negotiable. As to the $3700 interesting, that's roughly 5.5%. Thankfully I know which Birmingham you are talking about and it isn't the one in Alabama.. :) I do have to buy some shocks for the car, pay taxes here still and I need to replace the drivers seat, so I can't start immediately, wish I could, reality bites here, at least the heat and the front door locks will get fixed soon. The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's |
zoom3+1=4 Send message Joined: 30 Nov 03 Posts: 65752 Credit: 55,293,173 RAC: 49 |
An empty fishtank that he dosent even know will hold water? Or the Samsung TV that is broke. And He complains he has no room? Well the aquarium did have some water in it when it was bought, just not a lot and it was salt water. The door locks are on their way(surprise), the old TV will be out of here in a week or so, the door knob, being it's a cheap mobile home type, that will take some looking on Amazon, the standard type won't fit without some work and I don't have the tools or the back, but I'll look. The standard type has a rectangular plate to secure the bolt to the door, the mobile home manufacturer didn't do that here, just a friction fit for the bolt using a plastic sleeve, if the sleeve breaks, the bolt won't move or it'll be very hard to move, but I'll look for one new. I don't know if I can get rid of the aquarium, I may be freeway close, but selling anything that is not UPS/FedEx/USPS able is almost impossible here, since most people don't want to drive 100+ miles to get something I've found, Me I did, but I'm a rarity, I'm not afraid of driving. Now hold on there, I have not lived on a credit card or cards. Found the bedroom door knob on Amazon, a metal sleeve, good, I might be able to get that this month, but no promises. The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's |
zoom3+1=4 Send message Joined: 30 Nov 03 Posts: 65752 Credit: 55,293,173 RAC: 49 |
Now this program here is very good and could I'd think be used with this place, since 2 of the windows need to be replaced I think, since the GSFA Platinum program requires a credit score of 640 and 0.5% down, being a mobile home doesn't matter either. The 0.5% in this case would be $335.00, I'd want to replace 3 windows, 2 in front and the one in back, plus I'd have to buy a new refridge too, so that would work too. The GSFA gives out a 5% Grant, not repayable(for the down payment or for closing costs), I'd want the seller to pay all closing costs, the seller is a bank, so maybe $2,435.00 is needed on My part. Thanks Rob and Lynn, May the 4th be with you both. The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's |
Es99 Send message Joined: 23 Aug 05 Posts: 10874 Credit: 350,402 RAC: 0 |
I agree with Annie (edit: and the angry white man surprisingly) and would like to suggest that those people here offering 'help' remember to watch their tone. With out meaning to I am sure, some of you are coming off as a little rude. I've been poor too, fortunately I am not any more, I worked hard and borrowed money so I could get an education. I would not say that is the solution for everyone just because it worked for me. Even so I still buy all my furniture used, simply because around here you get better quality for less money. I just bought two Lazy Boy chairs off Craigslist which I am very happy with. When I was poor I was lucky that I lived in England which has (or rather had) a wonderful safety net that looked after me until I was able to get on my feet. I am very aware that is not the case in America, and being poor there can be a real trap, especially if you are disabled like Vic. Your solution is to work hard and extra hours because you can, and that is awesome. Vic can't. He also can't pop out to the stores like people in England of on big cities can, because he lives in an isolated area. Ebay is an excellent option for people who are isolated, and unfortunately you do need a credit card to shop there. I'm not going to judge him on what he buys because people do whatever they need to do to keep themselves happy. Building computers makes Vic happy and I am glad he found something that does. Advice is great, but it also doesn't have to be taken and it might not apply anyway. If Vic gets into trouble with his debts I can absolutely give him some good advice and check out the consumer protection laws in his area if he needs it. Bankruptcy is not the inevitable end to defaulting on credit cards and the bank isn't likely to call in such small amounts anyway. It looks like he has started to do things about the TV and the door knob, so that is progress. Advice is helpful, being judgemental is not. Reality Internet Personality |
zoom3+1=4 Send message Joined: 30 Nov 03 Posts: 65752 Credit: 55,293,173 RAC: 49 |
Well I don't reveal everything behind the curtain, that's too much work, but I am making some progress. The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's |
zoom3+1=4 Send message Joined: 30 Nov 03 Posts: 65752 Credit: 55,293,173 RAC: 49 |
I agree with Annie (edit: and the angry white man surprisingly) and would like to suggest that those people here offering 'help' remember to watch their tone. With out meaning to I am sure, some of you are coming off as a little rude. Get into trouble, hopefully not. The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's |
MOMMY: He is MAKING ME Read His Posts Thoughts and Prayers. GOoD Thoughts and GOoD Prayers. HATERWORLD Vs THOUGHTs and PRAYERs World. It Is a BATTLE ROYALE. Nobody LOVEs Me. Everybody HATEs Me. Why Don't I Go Eat Worms. Tasty Treats are Wormy Meat. Yes Send message Joined: 16 Jun 02 Posts: 6895 Credit: 6,588,977 RAC: 0 |
Living in A Mobile Home Park where Many or Most Mobile Homes are Not Occuppied and Never Again will be Occuppied would Give A Great Opportunity to Strip Available MBHs of Door Nobs, Faucets or Any Other 'Item' for Replacement in An Owned Mobile Home in Park. Also, Abandoned Mobile Homes in Park are GREAT for putting One's Junk Into. Certainly an Owner of Such A Park would not care if Needed 'Parts' were 'Robbed' and Vacant MBHs used as 'Storage'. Creative Thinking and Action is Da Mother of Options. Yep Yep Yep, so Goes Da Yup. May we All have a METAMORPHOSIS. REASON. GOoD JUDGEMENT and LOVE and ORDER!!!!! |
Suzie-Q Send message Joined: 9 Mar 07 Posts: 3329 Credit: 4,746,812 RAC: 1 |
"do it upper" We say "fixer upper." (Just FYI. I'm very interested in the differences between British English and American English.) ~Sue~ |
Suzie-Q Send message Joined: 9 Mar 07 Posts: 3329 Credit: 4,746,812 RAC: 1 |
termites "They" recommend doing it every five years, but since they are making money from it, they may want you to do it more often than what is really necessary. I moved to North Carolina soon after buying this house (long story) and it was a rental house for those five years, until I moved back. In that time I never thought about having it treated, and the person who was managing the house for me never said anything about termites. I suspect they invaded during that time but no damage appeared for a while. One day I noticed them flying away from an exit hole in my house, near the front door. That's how I found out the house had termites. ~Sue~ |
Suzie-Q Send message Joined: 9 Mar 07 Posts: 3329 Credit: 4,746,812 RAC: 1 |
Vic seeing as the big fish tank is empty, Get rid of it and get a tread mill. Whats more important? Looking at fish that you have to spend money on to maintain or your health? I strongly agree. Two, Call a pet store and ask what products they have that are safe to prevent Grace from chewing your wires. I use something called "Grannick's Bitter Apple." It comes in a spray bottle and costs about $10. It will last a long time. You just spray some on the wires. As for electric heaters when you use them they cost money. I use them also. but only as needed, Not as a stand alone source of heat. ~Sue~ |
Suzie-Q Send message Joined: 9 Mar 07 Posts: 3329 Credit: 4,746,812 RAC: 1 |
Ian, do behave my good man :-) I meant jogging around within the trailer park compound where he lives. If he does a purler he'll be found fairly quickly. In his current physical state I wouldn't recommend he goes very far from his front door, always assuming he can get back in that is. All this talk about jogging, I have to say that walking would be where Vic needs to start. First slowly, trying to increase his stamina and distance. As that increases then, maybe, some jogging. ~Sue~ |
Suzie-Q Send message Joined: 9 Mar 07 Posts: 3329 Credit: 4,746,812 RAC: 1 |
You don't have the mindset out here of thinking that people are faking stuff either, so some Doctors are very skeptical and brush off what they hear, It depends a lot on money. If someone is rich or has good health insurance, they get the best of care. If you're on medicaid (for the poor) or have bad health insurance, you get bupkis. (Yes, America is in serious need of health reform.) it's why I haven't gone to the Doctor in over 6 months, I mean like why bother? Brit "surgery" = US "doctor's office" Plus the office has no proof of what I weigh, since their scale only goes to 300lbs, I've asked for a scale that goes to 500lbs and the guy who runs the office said NO. So I have to rely on Vons Super Market, which has a scale that goes to at least 500lbs to weigh Myself at, ~Sue~ |
Suzie-Q Send message Joined: 9 Mar 07 Posts: 3329 Credit: 4,746,812 RAC: 1 |
It's much easier to write solutions to other people's problems than it is to solve them when they are your own and you're on your own, I think, however well-meant it is. And when you're not able to throw money at a problem to fix it, necessity is the mother of improvisation *blink at setizens* yes, I know I changed it :) so I understand box blockades to protect wiring, etc. In my case it was when a four month old kitten, abandoned on my doorstep, launched fifteen newborns *still-shocked blink* into my home a few weeks after I took her in. But that's not why I'm posting. I'm posting to say: FIFTEEN KITTENS??!!!! Holy crap!! I had a cat that had ten and I thought that was a lot. ~Sue~ |
Suzie-Q Send message Joined: 9 Mar 07 Posts: 3329 Credit: 4,746,812 RAC: 1 |
I agree with Annie (edit: and the angry white man surprisingly) and would like to suggest that those people here offering 'help' remember to watch their tone. With out meaning to I am sure, some of you are coming off as a little rude. Disclaimer: I haven't read the rest of the posts so I don't know what replies have been posted. Vic brought the subject up himself. I see those who have "given advice" as people who want to help him from making serious mistakes (myself included). I know what you mean that some of the posts sound "a little rude." I see that as the equivalent of tough love. There's no point in not being 100% forthright, even if it does sound a bit rude. As for myself, I have had to deal with a situation that is similar to Vic's, including buying and keeping things that I don't really need. I'm trying very hard to break that habit (and have had a little success). I know that I need to help myself before I ask for or expect help from other people. I wish Vic would learn this. It would mean breaking some bad habits (the buying of unneeded things, much as I did, and the getting rid of unneeded things, which I'm still working on), and that's the hardest part. I don't have the weight problem that Vic has, but I have depression and chronic fatigue, which make it extremely hard for me to do things that really don't "need" to be done. I'm saying this because there are a few things Vic could do about the boxes/cord-chewing-cat that would take a little effort and exertion/energy that he might not have. That being said, I'm trying to help Vic, but only insofar as my own experience, I feel, makes me qualified to speak up. ~Sue~ |
Es99 Send message Joined: 23 Aug 05 Posts: 10874 Credit: 350,402 RAC: 0 |
There is a difference between being empathic and being judgemental. Certainly what you have learned from your own experience is useful and I am sure Vic appreciates the sentiment. Reality Internet Personality |
zoom3+1=4 Send message Joined: 30 Nov 03 Posts: 65752 Credit: 55,293,173 RAC: 49 |
Vic seeing as the big fish tank is empty, Get rid of it and get a tread mill. Whats more important? Looking at fish that you have to spend money on to maintain or your health? Grace won't bite into cables that look electrical, like ethernet or electrical, though rca and hdmi, I don't know, She did once bite into a usb cable and after that chewed into one side of a lamp cord exposing pure copper wire then She started on the other side, since then electrical She hasn't touched. I was thinking more along the lines of a split loom wire cover, than spray. I'll do that when I install the new power strip that I have, cause the wiring there is a bit of a mess, some zip or twist ties will help there. One of Her bad habits was not using a scratching post, though She has been using that more and more, cause every time She does use the post I give Her praise, and I tell Her firmly NO when She scratches on furniture(cats have sensitive ears), She's slowly getting the idea that scratching on the post is good and that doing the same on furniture is bad. The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's |
zoom3+1=4 Send message Joined: 30 Nov 03 Posts: 65752 Credit: 55,293,173 RAC: 49 |
Ian, do behave my good man :-) I meant jogging around within the trailer park compound where he lives. If he does a purler he'll be found fairly quickly. In his current physical state I wouldn't recommend he goes very far from his front door, always assuming he can get back in that is. It's been 37 years since I could run, over hill and dale without falling on My face, so walking is one thing, I need to strengthen My back too, there is a gym in Victorville that could help, here there is nothing, beyond gas stations, hotels, fast food, a few stores, some other establishments and mesquite bushes, not to mention a road runner or two. My front door I think has warped some since I lost the front awning over the front door in some gusty winds a few years back, I've got the locks on the way, the bottom one I can install right away, the deadbolt's hole needs some adjustment and that is a metal door jamb and I have no tools to grind or cut into metal, My dremel makes My hand go numb, it needs work, so I don't use that, so I'd rather pay the $55 for a locksmith to install the deadbolt. The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's |
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