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[email protected] May 12th 07 01:59 AM

Buyers and sellers
 
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.


JR North May 12th 07 02:24 AM

Buyers and sellers
 
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

[email protected] May 12th 07 03:08 AM

Buyers and sellers
 
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.


Wayne.B May 12th 07 06:34 AM

Buyers and sellers
 
On 11 May 2007 19:08:55 -0700, wrote:

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.


Why not do the deal as a straight mortgage on the Wyoming property
rather than a home equity loan?


Short Wave Sportfishing May 12th 07 11:51 AM

Buyers and sellers
 
On 11 May 2007 17:59:58 -0700, wrote:

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.


We had someting similar happen to us, only it was the reverse.

We made an offer on a two family - older couple wanted to retire to
Florida. They owned nothing on the house and it was a substantial
amount of money they would be making.

The owners wife backed out of the deal on a bunch of what ifs. Turns
out that she actually didn't want to move to Florida - he thought that
was all she wanted to do.

The best part was all this happened at the closing. :)

Vic Smith May 12th 07 01:09 PM

Buyers and sellers
 
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

RCE May 12th 07 01:43 PM

Buyers and sellers
 

"Vic Smith" wrote in message
...


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.



Women are nesters and there is often no rhyme or reason for their attachment
to a house.
I've had many discussions with Mrs. E. regarding the 8000 square foot house
we own but only two of us live in. It's not like we raised all the kids
here or anything .... we bought it after they had all left the nest because
it was ideally setup for her (then) new interest in having horses. Now, we
don't even have the horses here ... they are boarded at a nearby training
stable. The horse barn, which I have all kinds of ideas for converting for
other uses, is off limits and remains spotlessly clean, ready to house the
horses again if they ever return. (which, if I have my way, they won't).

There are bedrooms and bathrooms in this house that have never been used,
for cripes sake. No level of logic or rational thinking will permit any
consideration on her part to selling it and moving into a more sensible
house for two. Oh, well. I tell people it's like living in an empty
Sheridan.

Eisboch



Vic Smith May 12th 07 02:23 PM

Buyers and sellers
 
On Sat, 12 May 2007 08:43:47 -0400, "RCE" wrote:


"Vic Smith" wrote in message
.. .


There are bedrooms and bathrooms in this house that have never been used,
for cripes sake. No level of logic or rational thinking will permit any
consideration on her part to selling it and moving into a more sensible
house for two. Oh, well. I tell people it's like living in an empty
Sheridan.

She might just have too many fond memories of the stables to make the
break. Sometimes I think my wife is more attached to her gardens
around the house than to the house itself.
I know when I mention moving to Florida her main point of resistance
is losing her gardens. I've studied Florida gardening a bit, but it
looks like it's quite different than what she's accustomed to.
See if you can find a smaller house that has stables.
Even if you don't plan they will be occupied (-:

--Vic

HK May 12th 07 02:40 PM

Buyers and sellers
 
Vic Smith wrote:
Sometimes I think my wife is more attached to her gardens
around the house than to the house itself.
I know when I mention moving to Florida her main point of resistance
is losing her gardens. I've studied Florida gardening a bit, but it
looks like it's quite different than what she's accustomed to.


--Vic



Depends on where you are in Florida. In North Florida, where we lived,
almost anything would grow, and quickly, with nightly watering. Citrus
was a gamble, though, because we did get winter freezes. But it was easy
to grow a wide variety of familiar and unfamiliar flora, and bushes.

[email protected] May 12th 07 02:45 PM

Buyers and sellers
 
Wayne.B wrote:
Why not do the deal as a straight mortgage on the Wyoming property
rather than a home equity loan?


I was wondering the same thing. But he never really mentioned whether
the property was improved or not, and unless it's a business related
thing, the interest won't be tax deductible unless there's a home (2nd
home) on it. Maybe that's the reason?

Rick

[email protected] May 12th 07 03:12 PM

Buyers and sellers
 
On May 12, 9:45 am, wrote:
Wayne.B wrote:
Why not do the deal as a straight mortgage on the Wyoming property
rather than a home equity loan?


I was wondering the same thing. But he never really mentioned whether
the property was improved or not, and unless it's a business related
thing, the interest won't be tax deductible unless there's a home (2nd
home) on it. Maybe that's the reason?

Rick


The property has a 100 yr old 400 sq ft log cabin. The inspector gave
3 options, burn it down, tear it down or pull it down. He also
thought the snow from 2 more winters would do the job. So, it is
basically unimproved.


[email protected] May 12th 07 03:15 PM

Buyers and sellers
 
On May 12, 10:12 am, wrote:
On May 12, 9:45 am, wrote:

Wayne.B wrote:
Why not do the deal as a straight mortgage on the Wyoming property
rather than a home equity loan?


I was wondering the same thing. But he never really mentioned whether
the property was improved or not, and unless it's a business related
thing, the interest won't be tax deductible unless there's a home (2nd
home) on it. Maybe that's the reason?


Rick


The property has a 100 yr old 400 sq ft log cabin. The inspector gave
3 options, burn it down, tear it down or pull it down. He also
thought the snow from 2 more winters would do the job. So, it is
basically unimproved.


I'll probably look into a straight mortgage this next week if the
owner will still deal with me.


Don White May 12th 07 03:35 PM

Buyers and sellers
 

"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.



Vic Smith May 12th 07 03:47 PM

Buyers and sellers
 
On Sat, 12 May 2007 09:40:05 -0400, HK wrote:

Vic Smith wrote:
Sometimes I think my wife is more attached to her gardens
around the house than to the house itself.
I know when I mention moving to Florida her main point of resistance
is losing her gardens. I've studied Florida gardening a bit, but it
looks like it's quite different than what she's accustomed to.


--Vic



Depends on where you are in Florida. In North Florida, where we lived,
almost anything would grow, and quickly, with nightly watering. Citrus
was a gamble, though, because we did get winter freezes. But it was easy
to grow a wide variety of familiar and unfamiliar flora, and bushes.



Good point. Most of what I looked at was "tropical" Florida growing.
Above the freeze line would still suit me fine.
After discussing this thread with my wife, I've concluded the "no
going back" once you sell is the biggest issue for us. Renting this
house out and renting one down there for a year or two might be an
option. The "nest" will remain waiting if the new one doesn't work.

--Vic

Vic Smith May 12th 07 04:02 PM

Buyers and sellers
 
On Sat, 12 May 2007 11:35:42 -0300, "Don White"
wrote:



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 got that right.

--Vic

HK May 12th 07 04:08 PM

Buyers and sellers
 
Vic Smith wrote:
On Sat, 12 May 2007 09:40:05 -0400, HK wrote:

Vic Smith wrote:
Sometimes I think my wife is more attached to her gardens
around the house than to the house itself.
I know when I mention moving to Florida her main point of resistance
is losing her gardens. I've studied Florida gardening a bit, but it
looks like it's quite different than what she's accustomed to.
--Vic


Depends on where you are in Florida. In North Florida, where we lived,
almost anything would grow, and quickly, with nightly watering. Citrus
was a gamble, though, because we did get winter freezes. But it was easy
to grow a wide variety of familiar and unfamiliar flora, and bushes.



Good point. Most of what I looked at was "tropical" Florida growing.
Above the freeze line would still suit me fine.
After discussing this thread with my wife, I've concluded the "no
going back" once you sell is the biggest issue for us. Renting this
house out and renting one down there for a year or two might be an
option. The "nest" will remain waiting if the new one doesn't work.

--Vic



I really recommend North Florida, from about St. Augustine north, as a
great place for northerners to relocate.

First, real estate prices and most other prices are lower than in South
Florida.

Second, the climate is better. There really are seasons, albeit the
winter is mild.

Third, there are many beautiful uncrowded beaches.

The downside is that the area is parochial, and infested with right-wing
religious nutcases. But you can avoid them for the most part.


HK May 12th 07 04:21 PM

Buyers and sellers
 
Gene Kearns wrote:
On Sat, 12 May 2007 11:08:00 -0400, HK penned the following well
considered thoughts to the readers of rec.boats:


I really recommend North Florida, from about St. Augustine north, as a
great place for northerners to relocate.


snips

The downside is that the area is parochial, and infested with right-wing
religious nutcases. But you can avoid them for the most part.


Don't worry, a lot of the screwballs are trying to move north....
http://christianexodus.org/



Why don't they move to texas, where they belong?

Vic Smith May 12th 07 04:31 PM

Buyers and sellers
 
On Sat, 12 May 2007 11:08:00 -0400, HK wrote:

I really recommend North Florida, from about St. Augustine north, as a
great place for northerners to relocate.

First, real estate prices and most other prices are lower than in South
Florida.

Second, the climate is better. There really are seasons, albeit the
winter is mild.

Third, there are many beautiful uncrowded beaches.

The downside is that the area is parochial, and infested with right-wing
religious nutcases. But you can avoid them for the most part.


Finding your neighbors are running meth labs and let their pit bulls
run loose is probably a bigger concern, but I know what you mean.
I was raised a Baptist, but haven't been in a church for years, except
for weddings and funerals.
Even less chance of me going to church down there with all that
rattlesnake kissing going on.

--Vic

HK May 12th 07 04:43 PM

Buyers and sellers
 
Vic Smith wrote:
On Sat, 12 May 2007 11:08:00 -0400, HK wrote:
I really recommend North Florida, from about St. Augustine north, as a
great place for northerners to relocate.

First, real estate prices and most other prices are lower than in South
Florida.

Second, the climate is better. There really are seasons, albeit the
winter is mild.

Third, there are many beautiful uncrowded beaches.

The downside is that the area is parochial, and infested with right-wing
religious nutcases. But you can avoid them for the most part.


Finding your neighbors are running meth labs and let their pit bulls
run loose is probably a bigger concern, but I know what you mean.
I was raised a Baptist, but haven't been in a church for years, except
for weddings and funerals.
Even less chance of me going to church down there with all that
rattlesnake kissing going on.

--Vic



The first and only time I ran into snake handlers was in Loudoun County,
Virginia, near Dulles Airport. I took a wrong turn while driving to
Dulles and found myself on a lovely little country road. On that road
was a little church where the faithful were involved in an outdoor snake
prayer fest.

This was in 1970 or so. I'd bet that church is long gone by now.

For the first year we lived in Florida, not a week went by without some
uninvited church representatives knocking on our door and asking all
sorts of questions they had no business asking. They really were obnoxious.

[email protected] May 13th 07 01:00 AM

Buyers and sellers
 
On May 12, 11:43 am, HK wrote:
Vic Smith wrote:
On Sat, 12 May 2007 11:08:00 -0400, HK wrote:
I really recommend North Florida, from about St. Augustine north, as a
great place for northerners to relocate.


First, real estate prices and most other prices are lower than in South
Florida.


Second, the climate is better. There really are seasons, albeit the
winter is mild.


Third, there are many beautiful uncrowded beaches.


The downside is that the area is parochial, and infested with right-wing
religious nutcases. But you can avoid them for the most part.


Finding your neighbors are running meth labs and let their pit bulls
run loose is probably a bigger concern, but I know what you mean.
I was raised a Baptist, but haven't been in a church for years, except
for weddings and funerals.
Even less chance of me going to church down there with all that
rattlesnake kissing going on.


--Vic


The first and only time I ran into snake handlers was in Loudoun County,
Virginia, near Dulles Airport. I took a wrong turn while driving to
Dulles and found myself on a lovely little country road. On that road
was a little church where the faithful were involved in an outdoor snake
prayer fest.

This was in 1970 or so. I'd bet that church is long gone by now.

For the first year we lived in Florida, not a week went by without some
uninvited church representatives knocking on our door and asking all
sorts of questions they had no business asking. They really were obnoxious.


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.
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.


Dan May 13th 07 02:42 AM

Buyers and sellers
 
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.

Don White May 13th 07 03:03 AM

Buyers and sellers
 

"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.



JR North May 13th 07 03:08 AM

Buyers and sellers
 
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

Vic Smith May 13th 07 05:07 AM

Buyers and sellers
 
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

[email protected] May 13th 07 03:54 PM

Buyers and sellers
 
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.


HK May 13th 07 04:05 PM

Buyers and sellers
 
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?

[email protected] May 13th 07 04:24 PM

Buyers and sellers
 
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.


HK May 13th 07 04:27 PM

Buyers and sellers
 
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.

[email protected] May 13th 07 04:54 PM

Buyers and sellers
 
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.


Vic Smith May 13th 07 05:09 PM

Buyers and sellers
 
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

HK May 13th 07 05:23 PM

Buyers and sellers
 
Gene Kearns wrote:
On Sun, 13 May 2007 11:05:53 -0400, HK penned the following well
considered thoughts to the readers of rec.boats:

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?


Locally......

Actually, there is a lot of truth in what he says. Big money builds
big structures at the water's edge and insures them under the NC Beach
Plan. Obviously and predictably, they are going to be damaged (if not
splintered and scattered the length of the island) in any significant
storm. Since insurance in the 18 coastal NC counties is underwritten
by them.... we all pay elevated costs due to the idiots that build in
harm's way. With protest, I'm subsidizing many for-profit
corporation's dubious surfside ventures and helping with the insurance
costs of multi-million dollar houses sitting at the edge of the surf.
In fact, the NC law enacted to prevent re-building on lots condemned
due to storm erosion has been challenged and those lots, (very
temporarily) reclaimed by dredging, are again buildable. Thus, again,
proving that you are entitled to all of the justice that you can
afford to buy.

And the influx of snowbirds? They have virtually erased all of the
charm that once drew people here to vacation. Now we have traffic
jams, condos, crowded beaches, fewer piers, and a disappearing marine
economy.... not to mention the fact that tax valuations have jumped by
309% in four years. Lewis Grizzard was right.



I'm not commenting on the seemingly uncontrolled growth. I am commenting
on his call for hurricanes. Only an a**hole wishes for such events, so
that there will be all sorts of landside property damage and, probably,
deaths.

Vic Smith May 13th 07 05:25 PM

Buyers and sellers
 
On Sun, 13 May 2007 11:05:53 -0400, 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?


The interstate on the west coast is the kind of development that
destroyed much of the natural beauty of Florida. I used to vacation
there by trekking down 41, and argued with my dad about the
interstate.
He had a small auction business on 41 near Ft Myers and wanted that
interstate bad. I said it would f**k up the natural beauty and bring
crowding. I was right. And he went out of business due to mega-store
competition.
You're mouthpiecing the Chamber of Commerce if you think all commerce
is "good."
This is an endless philosophical argument, but I see frogsters side
and essentially agree with him regarding Florida.
No different in many respects than folks not wanting a nuke power
plant down the street.
And some places are barring new construction on ocean fronts.

--Vic

[email protected] May 13th 07 05:27 PM

Buyers and sellers
 
On May 13, 12:09 pm, Vic Smith
wrote:
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


Well Vic, go in on this property with me then.
If you come on down to North Fl, we'll give ya cheese grits,
hushpuppies and fried mullet with a large iced tea to wash it down.


Vic Smith May 13th 07 05:33 PM

Buyers and sellers
 
On 13 May 2007 09:27:41 -0700, wrote:



Well Vic, go in on this property with me then.
If you come on down to North Fl, we'll give ya cheese grits,
hushpuppies and fried mullet with a large iced tea to wash it down.


I'm a bit leery that my wife would change her mind when it came to
sign on the loan. But I'll take you up on the rest.

--Vic

BAR May 13th 07 05:37 PM

Buyers and sellers
 
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?


Busted highways put more union members to work. Shortsighted response
Harold.

BAR May 13th 07 05:38 PM

Buyers and sellers
 
HK wrote:
Gene Kearns wrote:
On Sun, 13 May 2007 11:05:53 -0400, HK penned the following well
considered thoughts to the readers of rec.boats:

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?


Locally......

Actually, there is a lot of truth in what he says. Big money builds
big structures at the water's edge and insures them under the NC Beach
Plan. Obviously and predictably, they are going to be damaged (if not
splintered and scattered the length of the island) in any significant
storm. Since insurance in the 18 coastal NC counties is underwritten
by them.... we all pay elevated costs due to the idiots that build in
harm's way. With protest, I'm subsidizing many for-profit
corporation's dubious surfside ventures and helping with the insurance
costs of multi-million dollar houses sitting at the edge of the surf.
In fact, the NC law enacted to prevent re-building on lots condemned
due to storm erosion has been challenged and those lots, (very
temporarily) reclaimed by dredging, are again buildable. Thus, again,
proving that you are entitled to all of the justice that you can
afford to buy.

And the influx of snowbirds? They have virtually erased all of the
charm that once drew people here to vacation. Now we have traffic
jams, condos, crowded beaches, fewer piers, and a disappearing marine
economy.... not to mention the fact that tax valuations have jumped by
309% in four years. Lewis Grizzard was right.



I'm not commenting on the seemingly uncontrolled growth. I am commenting
on his call for hurricanes. Only an a**hole wishes for such events, so
that there will be all sorts of landside property damage and, probably,
deaths.


Harold, why are you admonishing someone about wishing death on people?
Are you upset that he has taken over your line.

Vic Smith May 13th 07 06:37 PM

Buyers and sellers
 
On Sun, 13 May 2007 12:58:41 -0400, Gene Kearns
wrote:

On Sun, 13 May 2007 11:25:49 -0500, Vic Smith penned the following
well considered thoughts to the readers of rec.boats:


No different in many respects than folks not wanting a nuke power
plant down the street.


Trust me, you don't want one. We have one, here, and besides (with
current technology) being a dirty source of energy, it is just plain
expensive.

What's dirty about it, besides fuel disposal?
(Wyoming might be a good repository of spent fuel.)
Is it releasing as much radiation as a coal-fired plant?
I've read coal is anywhere from 3 to 100 times worse than nuke plants
in releasing radiation to the atmosphere.

--Vic

Vic Smith May 13th 07 06:40 PM

Buyers and sellers
 
On Sun, 13 May 2007 13:14:53 -0400, Gene Kearns
wrote:

On 13 May 2007 09:27:41 -0700, penned the
following well considered thoughts to the readers of rec.boats:


Well Vic, go in on this property with me then.
If you come on down to North Fl, we'll give ya cheese grits,
hushpuppies and fried mullet with a large iced tea to wash it down.


Better warn him about the sugar in the tea....


But I always sugar my tea. Hope there isn't some "special" Florida
sugar I haven't head about.

--Vic

John H. May 13th 07 08:24 PM

Buyers and sellers
 
On Sat, 12 May 2007 23:03:36 -0300, "Don White"
wrote:



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.


The fact that more is paid is kept pretty well hidden!

John H. May 13th 07 08:26 PM

Buyers and sellers
 
On 13 May 2007 08:24:16 -0700, 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.


Don't let Harrie get to you at all. He's stuck in name-calling mode.


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