On Tue, 02 Sep 2008 12:59:49 +0100, Maria  wrote:

>abelard wrote:
>> On Tue, 02 Sep 2008 12:40:16 +0100, Maria  wrote:
>> 
>>> abelard wrote:
>>>> On Tue, 02 Sep 2008 12:04:56 +0100, Maria  wrote:
>>>>
>>>>> I've not seen one in my life. Maybe a couple of years in the later 
>>>>> 1990's (but before Blair came to power)?
>>>>>
>>>>> I'm totally fed up. 1970's of discontent, 1980's of unemployment, 1990's 
>>>>> of negative equity, 2000's of fake credit and resulting problems.
>>>> you are being farmed....only when you realise that can you
>>>>     break out of the pasture...
>>> I wish I knew how.
>> 
>> there are many ways....lower your outgoings 
>
>Can't. Given that I was brought up by war people and a homeowner by the 
>age of 18, I've never spent more than I needed to. I don't buy baubles.
>
>>and increase your income
>
>lol
>
>> sell your children! 
>
>That would probably work.
>
>>or send them out to pick the crops....
>
>What crops? Working is not allowed under the age of 16 in this country.
>2 hours a day at age 14 as long as you don't start before 7am, IIRC.

another reason to go to bulgaria!

>> eat scraps....
>
>Already do.

>> you survived the last downturn....
>
>I have never had an upturn Abelard. I started out in poverty, and still 
>am. I am used to it - just fed up that I can't break out of it.

you were in neg equity....you waited.......eventually the negative
     equity disappeared....

>> what is happening to bulgaria?
>
>Please see my reply to William Black.

sounds like you're making slow and steady progress....
so, why worry...

i do wonder a bit....you made your bed as the grannies say....

in the end you clearly don't wish to sell your children....
    i'm sure 'social' 'services' would be delighted to snatch a few
    more...

you have a house after a fashion...it's obviously more to your
    taste than the previous situation....
so what's against pulling down the hatches and keep on trucking? 

regards

-- 
web site at www.abelard.org - news comment service, logic, economics 
 energy, education, politics, etc 1,552,396 document calls in year past
--------------------------------------------------------------------------------
  all that is necessary for       []     walk quietly and carry
  the triumph of evil is that      []           a big stick.
  good people do nothing     []   trust actions not words
                    only when it's funny -- roger rabbit
--------------------------------------------------------------------------------

abelard wrote:
> On Tue, 02 Sep 2008 12:59:49 +0100, Maria  wrote:
> 
>> abelard wrote:
>>> On Tue, 02 Sep 2008 12:40:16 +0100, Maria  wrote:
>>>
>>>> abelard wrote:
>>>>> On Tue, 02 Sep 2008 12:04:56 +0100, Maria  wrote:
>>>>>
>>>>>> I've not seen one in my life. Maybe a couple of years in the later 
>>>>>> 1990's (but before Blair came to power)?
>>>>>>
>>>>>> I'm totally fed up. 1970's of discontent, 1980's of unemployment, 1990's 
>>>>>> of negative equity, 2000's of fake credit and resulting problems.
>>>>> you are being farmed....only when you realise that can you
>>>>>     break out of the pasture...
>>>> I wish I knew how.
>>> there are many ways....lower your outgoings 
>> Can't. Given that I was brought up by war people and a homeowner by the 
>> age of 18, I've never spent more than I needed to. I don't buy baubles.
>>
>>> and increase your income
>> lol
>>
>>> sell your children! 
>> That would probably work.
>>
>>> or send them out to pick the crops....
>> What crops? Working is not allowed under the age of 16 in this country.
>> 2 hours a day at age 14 as long as you don't start before 7am, IIRC.
> 
> another reason to go to bulgaria!
> 
>>> eat scraps....
>> Already do.
> 
>>> you survived the last downturn....
>> I have never had an upturn Abelard. I started out in poverty, and still 
>> am. I am used to it - just fed up that I can't break out of it.
> 
> you were in neg equity....you waited.......eventually the negative
>      equity disappeared....

It hasn't really. It just allowed us to move, where we could not before. 
We just bought another similar house elsewhere for the same money. 
Nothing has really changed, if prices fall back down. Other non-food 
items are the same price that they were 20 years ago.

> 
>>> what is happening to bulgaria?
>> Please see my reply to William Black.
> 
> sounds like you're making slow and steady progress....
> so, why worry...

Lack of confidence for one, but we are not progressing because my 
husband can no longer get full-time employment. All that is happening is 
that we are becoming more dependent on state handouts again (tax credits 
this time).

> 
> i do wonder a bit....you made your bed as the grannies say....

Wonder about what? I've made a string of mistakes. We live and learn, 
but always too late to undo the past.
I starte off ok - down for 10 O levels - failed all but three and got 
poor grades for those. Why? I think I must have had a nervous breakdown 
or something because I just couldn't face going to school anymore 
(couldn't take the constant bullying), so used to sit in the park all 
day on my own. Then when I decided I had to go and do the exams so went 
back to school in the final year, I got glandular fever, and was ill for 
9 months. Nobody send revision home - I was too knackered to be 
bothered, so I failed.
Thought I'd try again. Went to college to do business studies at 16 - 
couldn't get a grant, so told by mother I had to get a job to pay rent 
instead.
Got a job, low paid but doing ok - bought a house at age 18, 30 miles 
away because there was nowhere to live locally (St Albans - fantastical 
house prices and no council accommodation). Commuted to work on 
motorbike 30 miles each way. I don't give up.
Husband lost job in early 1980's and I fell pregnant - abortion not 
allowed so suddenly there I am with huge mortgage (because of interest 
rates), no job, income support. He couldn't/wouldn't get work 
-threatened to leave me if I did because it would make him feel 
emasculated. Stasis for 2 years. Moved to Raunds for his family reasons, 
no profit on house. Got a job cos I couldn't stand being on the dole any 
longer - we split up. Then lost job because he took me to court for 
custody of our son. Single parenthood. Then met another man who was 
never as committed as he said. 10 more years wasted and another two 
children, but spend the years studying at degree level. Never finished. 
Separation when he went back to the women he was with before he met me. 
Met my current husband who is a decent man and a committed and good 
father, but has no education. Hard-working, but only suited to factory 
jobs. No factory jobs left now.
Would I have done better on my own? Probably at first before I had 
children - once you are single parent, you are pretty much doomed unless 
you have family nearby or enough earnings to for out £125/week in 
childcare. I've never made a profit on a house, never had a well paying 
job, never managed to finish a qualification. Now I pay. So yes you're 
right. You make your bed...

> in the end you clearly don't wish to sell your children....
>     i'm sure 'social' 'services' would be delighted to snatch a few
>     more...

Gerrof!

> 
> you have a house after a fashion...it's obviously more to your
>     taste than the previous situation....

Just not out in the sticks. I don't need a car.

> so what's against pulling down the hatches and keep on trucking? 
>

Nothing against it, it's the only choice, as ever. I'd just like to try 
something different, but you daren't take risks when people are 
depending on you for money.

On Tue, 02 Sep 2008 13:36:04 +0100, Maria  wrote:

>abelard wrote:

>> you were in neg equity....you waited.......eventually the negative
>>      equity disappeared....
>
>It hasn't really. It just allowed us to move, where we could not before. 

which you must admit is advance....
the price may be the same...but the location suits you better

>We just bought another similar house elsewhere for the same money. 
>Nothing has really changed, if prices fall back down. Other non-food 
>items are the same price that they were 20 years ago.

which of course means they've dropped precipitately as there's been
    considerable inflating in the meanwhile

>>>> what is happening to bulgaria?
>>> Please see my reply to William Black.
>> 
>> sounds like you're making slow and steady progress....
>> so, why worry...
>
>Lack of confidence for one,

dummies are confident.....all the best people are unconfident...

> but we are not progressing because my 
>husband can no longer get full-time employment. All that is happening is 
>that we are becoming more dependent on state handouts again (tax credits 
>this time).

the state taketh away...the state giveth....
you'd be better if they got their dirty noses out.....but i see no
    reason to worry if you're getting some back....
this roundabout is just more government interference...that
    interference is directed to controlling you....it is not
    anything to do with altruism...
    you have a criminally corrupt and meddling government

you're doing the country a prime service in raising children...as long
    as you are serious in that pursuit as you obviously are...

>> i do wonder a bit....you made your bed as the grannies say....
>
>Wonder about what? I've made a string of mistakes. We live and learn, 
>but always too late to undo the past.

if you don't make mistakes you don't learn...
if you don't learn you can't help the next lot to do better....

>I starte off ok - down for 10 O levels - failed all but three and got 
>poor grades for those. Why? I think I must have had a nervous breakdown 
>or something because I just couldn't face going to school anymore 
>(couldn't take the constant bullying), so used to sit in the park all 
>day on my own. Then when I decided I had to go and do the exams so went 
>back to school in the final year, I got glandular fever, and was ill for 
>9 months. Nobody send revision home - I was too knackered to be 
>bothered, so I failed.
>Thought I'd try again. Went to college to do business studies at 16 - 
>couldn't get a grant, so told by mother I had to get a job to pay rent 
>instead.
>Got a job, low paid but doing ok - bought a house at age 18, 30 miles 
>away because there was nowhere to live locally (St Albans - fantastical 
>house prices and no council accommodation). Commuted to work on 
>motorbike 30 miles each way. I don't give up.
>Husband lost job in early 1980's and I fell pregnant - abortion not 
>allowed so suddenly there I am with huge mortgage (because of interest 
>rates), no job, income support. He couldn't/wouldn't get work 
>-threatened to leave me if I did because it would make him feel 
>emasculated. Stasis for 2 years. Moved to Raunds for his family reasons, 
>no profit on house. Got a job cos I couldn't stand being on the dole any 
>longer - we split up. Then lost job because he took me to court for 
>custody of our son. Single parenthood. Then met another man who was 
>never as committed as he said. 10 more years wasted and another two 
>children, but spend the years studying at degree level. Never finished. 
>Separation when he went back to the women he was with before he met me. 
>Met my current husband who is a decent man and a committed and good 
>father, but has no education. Hard-working, but only suited to factory 
>jobs. No factory jobs left now.

you may be fussing of late....but it looks very much to me as if you
    are learning and improving your situation....

i think you focus too much on money......you have the house.....you
     have the fellow...you have the kids....you're getting scraps....
cheer up and keep the family cheerful....

a slogan i tell people to use with the kids is....food is a luxury....
    education is a necessity....
we buy books not food!

>Would I have done better on my own? Probably at first before I had 
>children - once you are single parent, you are pretty much doomed unless 
>you have family nearby or enough earnings to for out £125/week in 
>childcare. I've never made a profit on a house, never had a well paying 
>job, never managed to finish a qualification. Now I pay. So yes you're 
>right. You make your bed...

which do you want....your children or money?
if you say children, how can you believe you've failed in any sense?

>> in the end you clearly don't wish to sell your children....
>>     i'm sure 'social' 'services' would be delighted to snatch a few
>>     more...
>
>Gerrof!

 :-)

>> you have a house after a fashion...it's obviously more to your
>>     taste than the previous situation....
>
>Just not out in the sticks. I don't need a car.

ie, your house is now more efficient than before...
that is increased value....

i urge again.....forget the money(as prime)...concentrate on
     reality....

>> so what's against pulling down the hatches and keep on trucking? 

>Nothing against it, it's the only choice, as ever. 

but it isn't your only choice...you could walk out on the lot of them!

>I'd just like to try 
>something different,

be specific....

> but you daren't take risks when people are 
>depending on you for money.

hmmmmm....that's too complex a stt....
you take risks every time you walk down the street....
    and even when you don't!

regards...

-- 
web site at www.abelard.org - news comment service, logic, economics 
 energy, education, politics, etc 1,552,396 document calls in year past
--------------------------------------------------------------------------------
  all that is necessary for       []     walk quietly and carry
  the triumph of evil is that      []           a big stick.
  good people do nothing     []   trust actions not words
                    only when it's funny -- roger rabbit
--------------------------------------------------------------------------------

How You Could Take Out An Unsecured Loan For Debt Consolidation


Debt consolidators attempt and, in the end, come to terms that are
both beneficial to you and your creditors. You are most likely very
aware of all the enormous advertising done by consolidation loan
companies. In many of these commercials, they direct you to come to
them for business, take a loan out, and stifle your creditors if you
are having trouble meeting your monthly payments.

What these debt consolidation organizations don't mention is that once
your former creditors are wiped out, the consolidation loan givers
then become your new creditors; and they make much higher and
stringent terms of payment.

http://www.consolidate4free.com/articles/HowToTakeOutAnUnsecuredLoanForDebtConsolidation.htmln
Read full article: How You Could Take Out An Unsecured Loan For Debt
Consolidation



Resources:
http://www.consolidate4free.com/articles/HowToTakeOutAnUnsecuredLoanForDebtConsolidation.htmln
Debt Consolidation Articles

http://www.consolidate4free.com/debtconsolidation.html
Debt Consolidation Information

.

Mishi wrote:

> Debt consolidators attempt and, in the end, come to terms that are
> both beneficial to you and your creditors. You are most likely very
> aware of all the enormous advertising done by consolidation loan
> companies. In many of these commercials, they direct you to come to
> them for business, take a loan out, and stifle your creditors if you
> are having trouble meeting your monthly payments.
> 
> What these debt consolidation organizations don't mention is that once
> your former creditors are wiped out, the consolidation loan givers
> then become your new creditors; and they make much higher and
> stringent terms of payment.
> 

How true. Including the requirement that you mortgage your home, and thus
make the situation worse for yourself by replacing an unsecured debt with a
secured debt, which provides a guarantee to the creditor.

However, at a time when all lenders are ultra cautious over lending, it is
totally unrealistic to expect that any lender will bale you out with an
unsecured loan for debt consolidation purposes.

Mishi is simply out of date, apart from writing against a background of a US
sub-prime market which has since spectacularly collapsed.
-- 
Facts are sacred ... but comment is free