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Theladyisaminx
Over 90 days ago
Straight Female, 62
United Kingdom
Forum
Quote by Steve
I got no help to save my home so why should people now get any? Most now have over borrowed...period for me.
So really what your basing your agrument on is the fact because you didnt get it nobody else should
I dont think that there should be get out of jail free cards for home owners but I do feel that lenders ought to be a lot more sympathetic towards borrowers in what is basically the beginings of a recesion(sp) ....
It was nigh on impossible fore this to be forseen despite the gloom mongers saying all this spending cannot continue etc so a little leniancy is the order of the day I feel....
Perhaps,as has already been said, a suspension of payments for a defined period with the payments and interest to be added onto the end of the term would be all some people need....
Repossesion should be the last option....
Steve I agree as my points earlier stated.
I didn't ask for a hand out from the government but a bit of help from the lenders, which would be paid back anyway with interest.
Quote by staffcple
Just hightlighted this part as haven't you thought people with morgages are the tax payers that have paid in for years.
Could I just ask what do we get back for 20 years paying our taxes?
Are we not allowed to ask the government for compassion?
As it is our money they give aways elsewhere so easily
Minxy,
Yes people with mortgages pay tax, so do most of those without a mortgage who could never afford to join the housing ladder, not to mention those who have worked all of their lives to now enjoy a life of poverty in retirement.
Where do you draw the line? I'm sorry but those who pay a mortgage deserve no more or no less compassion or support than anyone else.
On a side note, I wonder how many of those who made an absolute killing during the housing boom showed any compassion for those less well off than themselves?
Shouldn't compassion be a two way street?
I believe there is no equal compassion!
At some point people are going to have to take responsibility for their own shortcomings. Many people have taken on huge morgages that they can not afford to pay back. As a tax payer I would rather my hard earned cash was spent on education and hospitals etc rather than digging people out of a mess that they got themselves into.
If people loose their homes the council may have a duty to rehouse them, but they may not. It would depend on indevidual circumstances. Even if the council rehoused them it doesn't mean to say they would get their rent and council tax paid either, again that would depend on their personal circumstances.
Where are they ever going to rehouse them?
Most people going into privately rented accomodation with private landlords who change more that what they were paying on morgages.
But I suppose if you see it another way we can them give up or jobs and then the government would have to foot the bill.
Would it be better to help people keep hold of their homes for stability for their children?
I am not saying hand outs it would be support that gets paid back at a later stage.
Does it seem fair that people in private rented or counsil housing get help if they hit hard times.
But people that buy because they had no other choices and work and pay taxes get nothing?
We used to get help with the interest payments years ago but even that isnt an option now.
If people loose their homes the council may have a duty to rehouse them, but they may not. It would depend on indevidual circumstances. Even if the council rehoused them it doesn't mean to say they would get their rent and council tax paid either, again that would depend on their personal circumstances.
Where are they ever going to rehouse them?
Most people going into privately rented accomodation with private landlords who change more that what they were paying on morgages.
But I suppose if you see it another way we can them give up or jobs and then the government would have to foot the bill.
Would it be better to help people keep hold of their homes for stability for their children?
I am not saying hand outs it would be support that gets paid back at a later stage.
Does it seem fair that people in private rented or counsil housing get help if they hit hard times.
But people that buy because they had no other choices and work and pay taxes get nothing?
We used to get help with the interest payments years ago but even that isnt an option now.
Quote by lyns
Minx, my guess would be that most of the people struggling to pay their morgages are going to be the ones who got morgages based on 4/5times their salary over the maximum term. Should they not have to take some responsibility for getting themselves in over their heads?.
Not always true could be work times are hard at the moement to.
Plus we had no choice as to buy don't forget we have no counsil houses to have rented.
I suppose we could have stayed at home with parents for ever and a day, seems that what childen are doing nodays no commiment in relationships as you have no choices of living elsewhere.
Quote by staffcple
Why oh why does the government not step in and help people who cant afford their mortgage and may lose their face it at the end of the day when they are evicted the government will end up a)paying for accomadation for them b)if they can rehouse them all their rent and council tax. Why not step in before it happens give them help with the understanding, if and when they can, it has to be paid back ie should the property be kick people out of their homes just to have the problem of finding them another
Where's the difference in government paying a mortgage and the government paying to rehouse someone?
I'm trying to be sensitive here, but why should the taxpayer(because at the core of it that's who pays, not the govenrment) bail out everyone who is in financial trouble? Whether that's due to the credit crunch, redundancy or in some cases people borrowing more than they could ever hope to pay back. Simple fact is take on a mortgage, your selling your soul to a bank and ensuring you have to work your ass off for the next 25 years.
People must know that? Surely no one goes into a bank and borrows £150,000 without knowing it could all go wrong? Sorry, those that want to own their own home, good luck to you, I do not see why others should bail you out if it goes wrong. I'd also say loudly......
You don't own one brick until you make the last payment.
Just hightlighted this part as haven't you thought people with morgages are the tax payers that have paid in for years.
Could I just ask what do we get back for 20 years paying our taxes?
Are we not allowed to ask the government for compassion?
As it is our money they give aways elsewhere so easily
My thoughts on this subject are these!
The government could ask the borrowers to be more lenient on people struggling in these times.
1. To ask the borrowers to give people the opportunity of a holiday period, whereby you pay a percentage of your mortgage not all and the difference gets added onto the balance and interest calculated.
2. They could ask for a period of a few months whereby your mortgage is frozen so for a few months you don’t have to pay but it gets added onto the balances and interest calculated.
3. Or offer people to extent their term and thus bringing down their monthly
payments
If banks go for eviction the government would have to pick up the tab
People with mortgages are the biggest bulk of tax payers we have to work to pay our mortgages hence we pay our taxes, but get no support when times are hard.
Unlike people on housing benefit who get they rents paid are unlikely to have a job pay no taxes.
I am not saying those that have not should get nothing, but there are a lot of people trying their best not to scrounge, but we get zero support from governments when times like these happen.
So I think the government should stand up and be accountable for people like us that are holding on by the skin of our teeth.
We thought after 1991 we had ridden the storms but here we go again.
Rant over
The government could ask the borrowers to be more lenient on people struggling in these times.
1. To ask the borrowers to give people the opportunity of a holiday period, whereby you pay a percentage of your mortgage not all and the difference gets added onto the balance and interest calculated.
2. They could ask for a period of a few months whereby your mortgage is frozen so for a few months you don’t have to pay but it gets added onto the balances and interest calculated.
3. Or offer people to extent their term and thus bringing down their monthly
payments
If banks go for eviction the government would have to pick up the tab
People with mortgages are the biggest bulk of tax payers we have to work to pay our mortgages hence we pay our taxes, but get no support when times are hard.
Unlike people on housing benefit who get they rents paid are unlikely to have a job pay no taxes.
I am not saying those that have not should get nothing, but there are a lot of people trying their best not to scrounge, but we get zero support from governments when times like these happen.
So I think the government should stand up and be accountable for people like us that are holding on by the skin of our teeth.
We thought after 1991 we had ridden the storms but here we go again.
Rant over
Quote by flower411
There seems to be a general miscomprehension among the public that the treasury have put physical cash into the banking system. Whilst some cash has gone in to prop up the liquidity, most of this rescue package is in the form of guarantees. For this assistance the treasury get a large share holding in the banks.
These are contingent liabilities which in all likelihood will never be called upon. Not to mention in three or four years when the banks recover and are earning profits the government can sell its rock bottom shares in the banks and make a killing.
This could be a fantastic move for the tax payer don’t you agree?
OK who are you and how do you know Minx' login details?
Looks like Mr Minx wrestled the keyboard off her for a moment there !!!
oooo At least let them think I know what I am talking about!
Quote by kentswingers777
So you reckon UK Ltd is a good place to invest then Fabio...
I know you not asking me.........BUT if you were the ansswer is yes.....we have a stronger economy than most certainly in europe...the Bristish economy is quite stable....and thou growth worldwide is currently stagnant..when it picks up...we will be in a good position to profit. With things about rock bottom....if you do have spare cash..now is a very good time to invest
So stable that the banks had to be bailed out to the tune of what was it....£70 billion?
Northern Rock was £ 26 billion and I think the others were bailed out to the tune of £50 billion? That is a shit load of money...our money btw.
My local Comet 5 months ago did a massive refit. It was on one floor now it is on two. Last Saturday we went in there and it was almost empty. Just leading up to Christmas too. The economy is almost on its knees, well certainly the retail side is. One of the leaders being M and S either have or are about to show massive losses.
If I had any money I would leave it under me mattress.
There seems to be a general miscomprehension among the public that the treasury have put physical cash into the banking system. Whilst some cash has gone in to prop up the liquidity, most of this rescue package is in the form of guarantees. For this assistance the treasury get a large share holding in the banks.
These are contingent liabilities which in all likelihood will never be called upon. Not to mention in three or four years when the banks recover and are earning profits the government can sell its rock bottom shares in the banks and make a killing.
This could be a fantastic move for the tax payer don’t you agree?
Quote by flower411
So you reckon UK Ltd is a good place to invest then Fabio...
By property at auction in about six months time, let it out for a couple of years and then cash it in !!
Gold plated investment ...can`t lose !!
Thats ok if you have a stash of cash under the floor boards!
But whos going to benifit from that?
The buy and rent brigade!
I am waiting to get old enough to do this!
When I am an old woman I shall wear purple
With a red hat that doesn't go, and doesn't suit me,
And I shall spend my pension
on brandy and summer gloves
And satin sandals,
and say we've no money for butter.
I shall sit down on the pavement when I am tired,
And gobble up samples in shops and press alarm bells,
And run my stick along the public railings,
And make up for the sobriety of my youth.
I shall go out in my slippers in the rain
And pick the flowers in other people's gardens,
And learn to spit.
You can wear terrible shirts and grow more fat,
And eat three pounds of sausages at a go,
Or only bread and pickle for a week,
And hoard pens and pencils and beer mats
and things in boxes.
But now we must have clothes that keep us dry,
And pay our rent and not swear in the street,
And set a good example for the children.
We will have friends to dinner and read the papers.
But maybe I ought to practise a little now?
So people who know me
are not too shocked and surprised,
When suddenly I am old
and start to wear purple!
Jenny Joseph
When I am an old woman I shall wear purple
With a red hat that doesn't go, and doesn't suit me,
And I shall spend my pension
on brandy and summer gloves
And satin sandals,
and say we've no money for butter.
I shall sit down on the pavement when I am tired,
And gobble up samples in shops and press alarm bells,
And run my stick along the public railings,
And make up for the sobriety of my youth.
I shall go out in my slippers in the rain
And pick the flowers in other people's gardens,
And learn to spit.
You can wear terrible shirts and grow more fat,
And eat three pounds of sausages at a go,
Or only bread and pickle for a week,
And hoard pens and pencils and beer mats
and things in boxes.
But now we must have clothes that keep us dry,
And pay our rent and not swear in the street,
And set a good example for the children.
We will have friends to dinner and read the papers.
But maybe I ought to practise a little now?
So people who know me
are not too shocked and surprised,
When suddenly I am old
and start to wear purple!
Jenny Joseph
Quote by __random_orbit__
a little word about Class, and how one may be 'precieved' in relation to class.... if I may?
(now then, I'm sure I've spouted this nonsence elsewhere before, so please excuse.)
Perception:
As a bright and shining star :cough: in the design world a good many years ago I found myself mixing with a number of what I would have thought were generally Middle Class Folk.. they indeed had the good education and it showed... inteligence tempered with a balanced and full educational experince, bright people, worthy of thier jobs, and they certainly seemed to be doing them well.
I, however, am working class... though have to admit to having had a good education, the scholls I attended werent particular horrors, and I escaped with a qualification or two... I left scholl at the earliest opportunity though, to attend a college that basically wouldhave given me a 'vocational' quali in an art/design based trade where I'd be lucky enough in the end to draw pictures for a living... all good.
I was the first, certainly in one half of the old family line to have attended college, and almost felt a level of guilt for having done so, but hey... twas ok with the parents, twas okay with me. I knuckled down and stayed the course, eventually to find myself a little place in the world that was. All Jolly Good.
and i was indeed rather good at what I did.
but:
The 'class' differnces became apparent through day to day interaction with my peers, conversation... lunches down the pub, that sort of thing.
I never had what could have been targeted or pinpointed as a working class accent, mainly due to the fact that my parents had moved a couple oftimes in my childhood where accents had varied, and mine, as a consequence had become an amalgumation... not veering in any particular direction for either geographical, or class status. So that never gave me away.
It was 'life experience' that seperated and exposed me from those people.. I simply hadnt done the same things in my childhood as they had... hadnt owned, played with, or holidayed in the same way.
Now then, as I say, this wasa few years ago... the next generation may experience things differently, but many/some of those middle class people, as the penny dropped and they realised I was not one of them, withdrew and truely appeared to view me as an 'other'.. someone who should not really be amongst them. There was no out and out finger pointing, or face to face challenges, but the rift/baracade became apparent.
not nice.
also, in all of the above, I speakof people who were 'born' to thier class, or social-set... not aware of how things may differ through 'moving up through the ranks' as it were... but only becoming aware of the real differences as they are exposed to them.
There's an education, right there!
and, for the record, this was echoed exactly by other in the same circumstance,female this time, but as above, a working class person, finding themselves in a middle class environment.
ofcourse this is not being presented as a record of the way things may be everywhere... but it is a small example of my life experience.
what what?
lp
Great post lp
I can relate to your post, as I am a working class girl.
I always wonder on meeting people like you have and I have done if it is them feeling superior or me feeling inferior on lives experiences.
I always come back to the feeling of we are all human beings, we all came here though the same door and we leave the same way. We can't choosy what door we enter from and shouldn't be judged on that alone.
Some people are accepting, others are not, the ones that dont accept I just feel they may of had better expierances but I have had a better education.
It has been announced the bank of England have slashed 1.5% off the interest rates.
Lowest interest rates since 1954.
But talk is that lenders might not follow suit, would this help the normal people on the streets?
Would offering a holiday period help people to ride this storm?
As I believe so many people are at risk of losing their homes they could end up with a stock pile of homes that they can not give away.
What are you views?
Lowest interest rates since 1954.
But talk is that lenders might not follow suit, would this help the normal people on the streets?
Would offering a holiday period help people to ride this storm?
As I believe so many people are at risk of losing their homes they could end up with a stock pile of homes that they can not give away.
What are you views?
I have never understood class, to me it is about a mind set, I meet people I see a person and never judge on their fortune or what they have achieved in life.
We either connect or we don’t I have people I socialise with from all walks of life from rich or poor and the reason we get on because we accept each other for being who we are just normal people.
I have often said to my hubby I don’t care for people that judge me for what I have, I like people that judge me for who I am, and if they don’t like me for that, then they are not people I would like to know.
We either connect or we don’t I have people I socialise with from all walks of life from rich or poor and the reason we get on because we accept each other for being who we are just normal people.
I have often said to my hubby I don’t care for people that judge me for what I have, I like people that judge me for who I am, and if they don’t like me for that, then they are not people I would like to know.
What ever in life I do or get asked to do I always give 100% to my best ability.
I am not saying what I do is perfect, but I believe to give, what to you is 100% that’s the best you can do.
If I take on a project no matter how small or large, I wouldn’t do it or say yes if I felt I couldn’t give it my best shot, and bring a vast improvement to whatever is there already.
I couldn’t agree to do something if I felt half hearted about it.
Do you give 100%?
Or are you happy to just give things a bit of time and move on to something else?
I am not saying what I do is perfect, but I believe to give, what to you is 100% that’s the best you can do.
If I take on a project no matter how small or large, I wouldn’t do it or say yes if I felt I couldn’t give it my best shot, and bring a vast improvement to whatever is there already.
I couldn’t agree to do something if I felt half hearted about it.
Do you give 100%?
Or are you happy to just give things a bit of time and move on to something else?
I haven’t read a newspaper for about 10 years now. I watch on average about 5hrs of TV a week, I do spend time researching things that interest me or hobbies, and topics that I find fascinating, or subjects to help my children with homework and life.
I hold on to some experiences you never know when you mind need them.
Apart from things in my mind that I want to be there the rest I just send to the recycling bin and press delete.
In other words I store what I want to store the rest gets trashed.
If you are a thinker there are times it can still feel like spaghetti junction it is just sorting the strands out and filing then in order.
This makes sense to me!
I hold on to some experiences you never know when you mind need them.
Apart from things in my mind that I want to be there the rest I just send to the recycling bin and press delete.
In other words I store what I want to store the rest gets trashed.
If you are a thinker there are times it can still feel like spaghetti junction it is just sorting the strands out and filing then in order.
This makes sense to me!
Quote by Phuckers
just finished all my tommorrow's work its Obama time all nite...target am so excited
hey fabio why has George Bush been hiding at camp Davis,does he support the Mcuseless?
is bush republican or democrat??
oh my ribs,oi oi oi cheeky sod can't help it if i don't know :cry:
my apologises i couldnt help it ha ha!
pssst bouncy I will whisper in your ear hes Republican
He was getting old and paunchy
And his hair was falling fast,
And he sat around the Legion,
Telling stories of the past.
Of a war that he had fought in
And the deeds that he had done,
In his exploits with his buddies;
They were heroes, every one.
And 'tho sometimes to his neighbors
His tales became a joke,
All his Legion buddies listened
For they knew whereof he spoke.
But we'll hear his tales no longer,
For old Bill has passed away,
And the world's a little poorer
For a soldier died today.
He will not be mourned by many,
Just his children and his wife.
For he lived an ordinary
And quite uneventful life.
Held a job and raised a family,
Quietly going on his way;
And the world won't note his passing,
Though a Soldier died today.
When politicians leave this earth,
Their bodies lie in state,
While thousands note their passing,
And proclaim that they were great.
Papers tell their whole life stories
From the time that they were young,
But the passing of a soldier
Goes unnoticed, and unsung
Is the greatest contribution
To the welfare of our land,
A guy who breaks his promises
And cons his fellow man?
Or the ordinary fellow who,
In times of war and strife,
Goes off to serve his Country
And offers up his life?
A politician's stipend
And the style in which he lives,
Are sometimes disproportionate,
To the service that he gives.
While the ordinary soldier,
Who offered up his all,
Is paid off with a medal
And perhaps, a pension small.
It's so easy to forget them,
For it was so long ago,
That the old Bills of our country
Went to battle, but we know
It was not the politicians
With their compromise and ploys,
Who won for us the freedom
That our Country now enjoys.
Should you find yourself in danger,
With your enemies at hand,
Would you want a politician
With his ever-shifting stand?
Or would you prefer a soldier,
Who has sworn to defend,
His home, his kin and Country
And would fight until the end?
He was just a common Soldier,
And his ranks are growing thin,
But his presence should remind us
We may need his like again.
For when countries are in conflict,
Then we find the Soldier's part
Is to clean up all the troubles
That the politicians start.
If we cannot do him honor
While he's here to hear the praise,
Then at least let's give him homage
At the ending of his days.
Perhaps just a simple headline
in a paper that would say:
"OUR COUNTRY IS IN MOURNING,
FOR A SOLDIER DIED TODAY."
By Larry Vaincourt
And his hair was falling fast,
And he sat around the Legion,
Telling stories of the past.
Of a war that he had fought in
And the deeds that he had done,
In his exploits with his buddies;
They were heroes, every one.
And 'tho sometimes to his neighbors
His tales became a joke,
All his Legion buddies listened
For they knew whereof he spoke.
But we'll hear his tales no longer,
For old Bill has passed away,
And the world's a little poorer
For a soldier died today.
He will not be mourned by many,
Just his children and his wife.
For he lived an ordinary
And quite uneventful life.
Held a job and raised a family,
Quietly going on his way;
And the world won't note his passing,
Though a Soldier died today.
When politicians leave this earth,
Their bodies lie in state,
While thousands note their passing,
And proclaim that they were great.
Papers tell their whole life stories
From the time that they were young,
But the passing of a soldier
Goes unnoticed, and unsung
Is the greatest contribution
To the welfare of our land,
A guy who breaks his promises
And cons his fellow man?
Or the ordinary fellow who,
In times of war and strife,
Goes off to serve his Country
And offers up his life?
A politician's stipend
And the style in which he lives,
Are sometimes disproportionate,
To the service that he gives.
While the ordinary soldier,
Who offered up his all,
Is paid off with a medal
And perhaps, a pension small.
It's so easy to forget them,
For it was so long ago,
That the old Bills of our country
Went to battle, but we know
It was not the politicians
With their compromise and ploys,
Who won for us the freedom
That our Country now enjoys.
Should you find yourself in danger,
With your enemies at hand,
Would you want a politician
With his ever-shifting stand?
Or would you prefer a soldier,
Who has sworn to defend,
His home, his kin and Country
And would fight until the end?
He was just a common Soldier,
And his ranks are growing thin,
But his presence should remind us
We may need his like again.
For when countries are in conflict,
Then we find the Soldier's part
Is to clean up all the troubles
That the politicians start.
If we cannot do him honor
While he's here to hear the praise,
Then at least let's give him homage
At the ending of his days.
Perhaps just a simple headline
in a paper that would say:
"OUR COUNTRY IS IN MOURNING,
FOR A SOLDIER DIED TODAY."
By Larry Vaincourt
I was just giving you ideas! 
Fem
The way you have put it I agree with you.
I believe everyone should be honest with people they are hoping to meet, but I am afraid that isn't always the case. Sometimes people would always do something for self gain. I don't disagree with single males and females getting together for fun but I believe they should be upfront with it to everyone and not put themselves out as a couple.
If people could lie about being a couple how does anyone meeting them know if indeed they are married to others that have no idea what they are up to?
I am not against anyone playing just would like to see honesty.
Btw we are a couple have been for 29 years but only meet guys so this wouldnt affect us, but I can still see where you are coming from.
The way you have put it I agree with you.
I believe everyone should be honest with people they are hoping to meet, but I am afraid that isn't always the case. Sometimes people would always do something for self gain. I don't disagree with single males and females getting together for fun but I believe they should be upfront with it to everyone and not put themselves out as a couple.
If people could lie about being a couple how does anyone meeting them know if indeed they are married to others that have no idea what they are up to?
I am not against anyone playing just would like to see honesty.
Btw we are a couple have been for 29 years but only meet guys so this wouldnt affect us, but I can still see where you are coming from.
I sure I don't look scary! Quote by DeeCee
I bet we know the kind of people from this council who want to ban it, and they are NOT from another faith other than being Christian and most def white. Why do they continue to stir up trouble? Or do they have some kind of hidden agenda here?
Who are they trying to protect? Because all faiths that I know love the whole Christmas thing, so I would like to see the people it is " supposed " to offend.
i think you are somwewhat right...
I have a theory that those printing such urban myths are infact trying to stir up "racial disharmony".
I agree with you both here!
Dee I agree with your theory!
What is printed is what some believe and then thoughts fester.
Media I believe plants the seeds when enough seeds are planted large oak trees grow.
When are people going to realise that media has the power to brainwash?
This is my opinion only.
