Don White wrote:
"Vic Smith" wrote in message
...
On 11 May 2007 19:08:55 -0700, wrote:


I told her we'd settled on a price and had gotten a realtor to draw up
a contract. I thought she knew I was totally serious. In the past,
she had few qualms about taking risks,in fact I married her because
she was a risk taker. This sudden bout of the "what ifs" completely
puzzles me. But you know, its just like the saying, "Women marry
hoping to change their men, men marry hoping their women do not
change."
Now she says, "I dont want to do anything that might jeapordize our
home in any way" which baffles the hell outta me. Whats the use of
having equity if you arent going to use it as leverage. I think that
having my own business for years has made me very casual about large
sums of money and about risk in general. Her profession of being a
public school teacher has emphasized low risk behaviour and covering
her ass at all costs (I am not sure we want this type of people
teaching our kids).
I feel like I got blindsided on this and am too embarassed to call the
seller back right now. Even though it was my wifes issues, I should
take blame for not reading her correctly. Sometimes the buyer has
problems they did not consider.
Yep, you had a communication failure. Lots of women don't like liens
on their home. Men too, and I'm one of them. Age has a lot to do
with it too. What younger people call leverage older people call just
plain debt. A lienless home is a real ace in the hole, but it's hard
to play it except on a real good hand. For many that hand can only be
replacing or improving the house.

--Vic


After paying a mortgage bi-weekly year after year, I was happy as hell to
retire the mortgage about seven years ago. That's also why I keep my old
low mileage mini-van... it was paid for 8 years ago. You can always go back
into debt when the mood strikes you.



You bought into that bi-weekly game? What did they charge for the
"service"? It's well known that you can add $100, $500, $1000, or
whatever you want to your principal payment every month for no charge
and accomplish the same goal without fees. These bi-weekly payment
"services" charge a fee based on their creative advertising when the
simple reality is that you can do it yourself.

As for remaining debt-free, do you expect to outlive your minivan?
Chances are that you will have to replace it.

"Dan" wrote in message
...
Don White wrote:
"Vic Smith" wrote in message
...
On 11 May 2007 19:08:55 -0700, wrote:


I told her we'd settled on a price and had gotten a realtor to draw up
a contract. I thought she knew I was totally serious. In the past,
she had few qualms about taking risks,in fact I married her because
she was a risk taker. This sudden bout of the "what ifs" completely
puzzles me. But you know, its just like the saying, "Women marry
hoping to change their men, men marry hoping their women do not
change."
Now she says, "I dont want to do anything that might jeapordize our
home in any way" which baffles the hell outta me. Whats the use of
having equity if you arent going to use it as leverage. I think that
having my own business for years has made me very casual about large
sums of money and about risk in general. Her profession of being a
public school teacher has emphasized low risk behaviour and covering
her ass at all costs (I am not sure we want this type of people
teaching our kids).
I feel like I got blindsided on this and am too embarassed to call the
seller back right now. Even though it was my wifes issues, I should
take blame for not reading her correctly. Sometimes the buyer has
problems they did not consider.
Yep, you had a communication failure. Lots of women don't like liens
on their home. Men too, and I'm one of them. Age has a lot to do
with it too. What younger people call leverage older people call just
plain debt. A lienless home is a real ace in the hole, but it's hard
to play it except on a real good hand. For many that hand can only be
replacing or improving the house.

--Vic


After paying a mortgage bi-weekly year after year, I was happy as hell to
retire the mortgage about seven years ago. That's also why I keep my old
low mileage mini-van... it was paid for 8 years ago. You can always go
back into debt when the mood strikes you.

You bought into that bi-weekly game? What did they charge for the
"service"? It's well known that you can add $100, $500, $1000, or
whatever you want to your principal payment every month for no charge and
accomplish the same goal without fees. These bi-weekly payment "services"
charge a fee based on their creative advertising when the simple reality
is that you can do it yourself.

As for remaining debt-free, do you expect to outlive your minivan? Chances
are that you will have to replace it.


I don't recall any 'fee' for the priviledge of paying bi-weekly. That must
be an American thing.
As for my vehicles, when my 3 year lease is up on the 2006 Ford Ranger in
March 2009 I hope to have enough loonies & toonies saved to put a good down
payment on a Toyota Highlander.

Thought so.
JR

wrote:
On May 11, 9:24 pm, JR North wrote:

Interesting story. Q: Was your wife on board in the deal from the start,
or did you initialize it with the seller, lay the groundwork, and then
tell her?
JR



wrote:

In another thread, someone was discussing his bad experience with a
potential boat buyer. I wonder if sometimes things happen to buyers
that thye just dont expect.
For example, my wife and I looked at a piece of property in Wyoming we
loved. We lived near there when first married and it is a true gem;
mountaintop, 4 acres, on a paved year round access road, 20 min from
town, flat, great view. She loved it and talked about buying it and
we discussed going there each year in the summer etc. We already go
to Wy every other summer. So, after nearly a year of back and forth
with the owner, we agreed on a price. I arranged financing via a home
equity loan, no problem with huge amount of equity. I arranged a
realtor to draw up a contract, I did my homework on value. I talked
it over with the owner and was ready to send the contract. Suddenly,
my wife balks at it. She is worried about all the "what ifs". She
wants to make sure there is no risk at all, etc. I cannot proceed
with this unless my wife signs the home equity loan so now I look
like a fool. I am sure the owner is cursing me and he has a right to
but I really thought my wife was ready to do this. The owner prob
will not be willing to deal with me again after this fiasco but from
my position as buyer, this was totally unexpected.

--
--------------------------------------------------------------
Home Page:http://www.seanet.com/~jasonrnorth


I told her we'd settled on a price and had gotten a realtor to draw up
a contract. I thought she knew I was totally serious. In the past,
she had few qualms about taking risks,in fact I married her because
she was a risk taker. This sudden bout of the "what ifs" completely
puzzles me. But you know, its just like the saying, "Women marry
hoping to change their men, men marry hoping their women do not
change."
Now she says, "I dont want to do anything that might jeapordize our
home in any way" which baffles the hell outta me. Whats the use of
having equity if you arent going to use it as leverage. I think that
having my own business for years has made me very casual about large
sums of money and about risk in general. Her profession of being a
public school teacher has emphasized low risk behaviour and covering
her ass at all costs (I am not sure we want this type of people
teaching our kids).
I feel like I got blindsided on this and am too embarassed to call the
seller back right now. Even though it was my wifes issues, I should
take blame for not reading her correctly. Sometimes the buyer has
problems they did not consider.



--
--------------------------------------------------------------
Home Page: http://www.seanet.com/~jasonrnorth

On 12 May 2007 17:00:22 -0700, wrote:


I am a 5th generation North Florida native and y'all aint invited to
come spoil my little corner of paradise. Although I am sure the
people of Wyoming feel the same way about me buying property there,
there is litle danger of Wy becoming overpopulated. So, yankees and
south Florida refugees, stay away.

Some southern hospitality that is.

On a boating topic, I took my Tolman Skiff over to Dog Island today
from Carabelle, beautiful water, hardly anybody around, it was
wonderful. However, the sight of the damned condos that have been
built on the old boat yard and my favorite oyster bar makes me realize
it wont be long befoe its ruined.

Probably last longer than SW Florida. My first trip down there was in
'78. Real pretty. Cape Coral had @25k people, Pine Island was
undeveloped, and fishing was terrific from bridges, canal banks, and
boats. By '85 it was all a mess, and I never went back.
What you need down there is about 5 years of heavy hurricanes to turn
those condos into reefs and clean out them Yankee carpetbaggers.
Al Gore just might have something in mind to take care of that.
Looks like he's already set fire to the place.

--Vic

On May 13, 12:07 am, Vic Smith
wrote:
On 12 May 2007 17:00:22 -0700, wrote:



I am a 5th generation North Florida native and y'all aint invited to
come spoil my little corner of paradise. Although I am sure the
people of Wyoming feel the same way about me buying property there,
there is litle danger of Wy becoming overpopulated. So, yankees and
south Florida refugees, stay away.

Some southern hospitality that is.

On a boating topic, I took my Tolman Skiff over to Dog Island today
from Carabelle, beautiful water, hardly anybody around, it was
wonderful. However, the sight of the damned condos that have been
built on the old boat yard and my favorite oyster bar makes me realize
it wont be long befoe its ruined.

Probably last longer than SW Florida. My first trip down there was in
'78. Real pretty. Cape Coral had @25k people, Pine Island was
undeveloped, and fishing was terrific from bridges, canal banks, and
boats. By '85 it was all a mess, and I never went back.
What you need down there is about 5 years of heavy hurricanes to turn
those condos into reefs and clean out them Yankee carpetbaggers.
Al Gore just might have something in mind to take care of that.
Looks like he's already set fire to the place.

--Vic

I cheer for hurricanes, Gods way of cleaning the beaches of condo
filth.
However, our dumb ass politicians have made those of us who are smart
enough to not own property on the coast pay for those who think its a
good idea. They have made us inlanders help to subsidize the
insurance of those who want to live dangerously on the coast. Thus,
former boat yards and fishhouses have been turned into condos inviting
further financial disaster such that several companies refuse to
insure in FL at all because the state demands they insure unsafe
properties on the coast. I don't ask non-boat owners to help pay my
boat insurance, why should I have to help pay for dangerous coastal
property?
Southern Hospitality: C'mon down, stay awhile, THEN LEAVE.

wrote:


I cheer for hurricanes, Gods way of cleaning the beaches of condo
filth.

Uneducated a**hole. Got any interstate highways near you? Maybe we
should cheer for earthquakes, so your highways are destroyed, and you
are stuck in your little redneck town, eh?

On May 13, 11:05 am, HK wrote:
wrote:

I cheer for hurricanes, Gods way of cleaning the beaches of condo
filth.

Uneducated a**hole. Got any interstate highways near you? Maybe we
should cheer for earthquakes, so your highways are destroyed, and you
are stuck in your little redneck town, eh?

I prob have more education than you. That said, read your own post,
"your highways", they are publicly owned, not private like condos.
YES, more hurricanes, clean "OUR" beaches. Make people pay their own
costs of living dangerously. No subsidies for the rich yankees. Fewer
rich yankees, we need fewer roads. Run Disney out of FL.

wrote:
On May 13, 11:05 am, HK wrote:
wrote:

I cheer for hurricanes, Gods way of cleaning the beaches of condo
filth.
Uneducated a**hole. Got any interstate highways near you? Maybe we
should cheer for earthquakes, so your highways are destroyed, and you
are stuck in your little redneck town, eh?

I prob have more education than you. That said, read your own post,
"your highways", they are publicly owned, not private like condos.
YES, more hurricanes, clean "OUR" beaches. Make people pay their own
costs of living dangerously. No subsidies for the rich yankees. Fewer
rich yankees, we need fewer roads. Run Disney out of FL.



You're too stupid for consideration. Into the bozo bin you go. Bye.

On May 13, 11:27 am, HK wrote:
wrote:
On May 13, 11:05 am, HK wrote:
wrote:

I cheer for hurricanes, Gods way of cleaning the beaches of condo
filth.
Uneducated a**hole. Got any interstate highways near you? Maybe we
should cheer for earthquakes, so your highways are destroyed, and you
are stuck in your little redneck town, eh?

I prob have more education than you. That said, read your own post,
"your highways", they are publicly owned, not private like condos.
YES, more hurricanes, clean "OUR" beaches. Make people pay their own
costs of living dangerously. No subsidies for the rich yankees. Fewer
rich yankees, we need fewer roads. Run Disney out of FL.

You're too stupid for consideration. Into the bozo bin you go. Bye.

His argument is crap, so he takes the easy way out, NEXT.

On 13 May 2007 07:54:46 -0700, wrote:



I cheer for hurricanes, Gods way of cleaning the beaches of condo
filth.
However, our dumb ass politicians have made those of us who are smart
enough to not own property on the coast pay for those who think its a
good idea. They have made us inlanders help to subsidize the
insurance of those who want to live dangerously on the coast. Thus,
former boat yards and fishhouses have been turned into condos inviting
further financial disaster such that several companies refuse to
insure in FL at all because the state demands they insure unsafe
properties on the coast. I don't ask non-boat owners to help pay my
boat insurance, why should I have to help pay for dangerous coastal
property?

I'm not too affected by insurance communism where I live, and my
answer to your question would be highly political, so I won't give it.
Sports communism costs me more in my monthly cable TV bill.
I don't give a damn about millionaire athletes and their games, but
them and their "fans" extract a nice chunk of money from me every
month so my wife can watch Lifetime and Home Shopping Network.
Hurricanes are the best solution for your problem, having the added
benefit that they can be laid to God's wrath, with the caveat that the
wrath is unleashed only because of the sins of Al Gore.

Southern Hospitality: C'mon down, stay awhile, THEN LEAVE.

30 years max if I'm not required to attend Sunday rattlesnake church,
and you occasionally have me over for grits.
Otherwise arriving Monday, departing Saturday.
But I'm actually looking more at Wyoming now after seeing how people
like it there (-:

--Vic