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I is a bit scared of falling now - since they told me I had severe Osteo porosis !!

I think that means that if I fall, I could probably break 'all of me' in one go !!

Hope Cynths has not got any problems like that as she seems to be making quite a habit of it !!

Hope you are O.K. Cynths - nite nite from me - I will check on you in the morning !!

Dea Xxx <3 <3 <3 <3 <3 <3 <3

Cyns....been at the sherry again?


Oooo.... hope you are OK?


You buddy numpty

x <3

Cynthia
I missed your post about falling over hope you are ok.
No more wine for you tonight ;-) <3

Cynthia I am having my hair done tomorrow don't know if I will get my head massaged but I would enjoy it :-)

Now where are you all hiding

Off for a nosey

Oh I couldn't resist that one ;-)

The way things are just now doesn't matter the length of the mortgage the poor kids can't get one anyway.

I had to go for a cat nap cos I was shattered after GD left ;-)

OOOOhhhh Cynths !!!!! (I got that right this time !! :-D)

ARE YOU O.K. ?????

Never mind the catching up - it will wait !!

Go and have a little relax !!!

I will send you some grapes and some chocolate !!

You are doing too many 'fallings over' - I am getting worried about you !

Dea Xxx

39900 :-D :-D :-D

Gins
I have heard of a 100 year mortgage but thought that was in USA I do seem to recall people saying that was the way we were heading.

So, how IS everyone tonight?


Just back in from baptism prep.......babies all over the place.....must be something in the water :-S


I felled over this afternoon........ :-(


Wouldn't care, but I was only crouched down using the dustpan and brush. Went to slide my foot forward and the sole of my slipper stuck and I went crashing forwards......slammed my temple and cheek onto the hard floor surface........ :-(

Not as bad as last time when I went full length and landed on my face but I think there will be a bruise on my temple tomorrow.......sheeeeesh....



Off to do some catching up now.....~~~~~

No Dea.....not a dream


Google!

I don't ever remember talk of a hundred year mortgage Ginns - are you sure that you didn't dream that one ???

It was always 25 years with me and it now seems to be 30 years for my son ???

Scarey !!!...........

Dea Xxx

I bought the house in the 1990s....it was a lot of money, but still cheap for the area, about £25K less than the others, they thought there was a spring in the back garden...


.............nope, drains from another house up the hill! It was slug infested....big fat black ones :-0

Now, its worth 8 times more than I paid....how stoopid is that

I have a small mortgage, unlike kids these days


There was talk of a hundred year mortgage that parents left to their kids?

I can remember my M-I-L worrying when we took out our 1st mortgage (in the dark ages) I now know how she felt cos my sons mortgage is huge.

All I can say is thank god for the dark ages.

Work on roof all finished we are now looking at holiday prices :-)

Higher the risk Dea........higher the interest


All banks are rip offs :-|

The strange thing was (and I don't really understand the logic of this) was that when we took out the last mortgage it was for an amount beyond the calculations which they had decided we could afford so we had to accept a rate of interest 1% higher than the norm at that time ! :-0 ;-) :-S

I still think that it was a 'rip-off' !!!

Dea Xxx

Thankfully, we finished ours years ago Ginns !! - In the olden days, we started off at a VERY high interest rate - 15% + - every time it changed downwards we kept our payments the same and whenever we could we would increase them by £10 or £15 per month, or whatever we could afford (which was not much).

Anyway, this resulted in us completing our mortgage about 9 years early !!!

Heaven !!!..................

Dea Xxx

I own about 85% of my home.........the bank own the rest, well at least until Ive finished paying the mortgage!!

AND the most important thing is that you feel 'secure' if you have your own home - you are 'in control' and can't be evicted or have the costs put up etc !!

Also - in a Council house (which my family were in), you have little choice as to where you live or whether you can stay there or not !

If you have bad neighbours you cannot escape from them whereas if you own your home you at least have the opportunity of selling up and moving !!

I am VERY lucky as I have lovely neighbours and have been here for over 30 years - I don't have any intention of moving (unless things dramatically change), and no-one can make me go !

Those of us who own our own homes, even though they come with a cost, are VERY lucky !!!

Dea Xxx

Gins - to be fair we have been lucky re any repairs. We were less paying a mortgage than my parents paid in rent and rates and at least we (our kids) will get the money when house is sold.

My parents eventually bought their council house after many years

Sylvia You are busy this week :-)

Cynthia - poor shaun the sheep children are so funny at times :-D

GD today we are taking her to visit her GG parents later