Originally Posted by DraftyAiresMum View Post
Maple, my sister works for a mortgage company as a loan officer. She hates what the US government is doing to people in the States. It's much the same as what happened to you. They are having her approve people for loans that they can't afford, knowing that they'll go upside down and lose their house. Then the government steps in (since they subsidized the loan), take over the house, short sale or auction it off, and come after the people for whatever difference there is. It honestly makes her sick.
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It's sickening isn't it? At the time we COULD afford the payments, but the difference between 800 and 1800 is HUGE. They have done this to everybody. We just keep our heads down and motor along. I'm blessed to be very friendly with vets/farriers and if something happens I can pay them back weekly, and also have insurance for the horses. I find paying every bill weekly helps.
OOOOOOO Maple don't move to prince george!!!!! We just left there and I hated every minute of being there! We are now on the lower mainland and its so much better! Prince George is VERY dirty! There is a reason houses are so cheap. Snow 8-9 months of the year(alot of snow, not just a dusting, just before we left we measured the snow in our driveway, in beginning of Dec we had just over 5 feet) it is also SO COLD, and I mean cold, -20ish all winter or most of it anyways! Then in may-june when the snow melts the bugs come out...so many you inhale them and all the ones that bite! Also the air quality in Prince george is so bad! There are alot of mills running all around it and it smells horrible and is hard to breathe. So to sum it up, if you like the snow, cold, eatting bugs, the smell of pulp mills, doing drugs, lots of crime, and only being about to ride 3-4 months out of the year then move there! It used to be an ok place to live but has changed alot in the last 5 years.
I did like that there was alot of lakes for camping and tons of places to ride.
Anyways, that's just my opinion and hope I didnt offend anyone from there :)
The only reason I keep looking there is hubby wants to have "his farm" when I finally get him over. I want to move down towards Chase/Kamloops as the extended family I'm closest too lives around there. Otherwise it'll be Sask, as that is where I was raised but who in their right mind really
wants to move there lol!
I hate the mortgage industry, I really do. I get that people get more of a house than they can afford, and that's on them - and they deserve to lose it, if you earn $4k a month, you can't afford a McMansion at $3k a month.
But our house was $150k, It was well without our means, but with interest rates at one point it was 45% of my husbands income. That's just not right, considering I am not on the mortgage. We managed as I was there, but it wasn't easy.
So I am a pathetic human. I pulled a muscle in my neck this morning, by moving my neck at a normal speed, normal angle.
We went to a friends house warming party tonight, with the kids, we planned to be there at 8, but got lost in central Philly and it was closer to 9 when we arrived. We left at 11, an hour later than I planned, as that's the kids bedtime, and it's an hours drive home. But an old friend arrived late, and we just got caught up on talking, and heck, we don't go out, like ever.
So I ran into douche moments tonight. A few of them.
The guy who had the party. I asked if we could bring the kids and leave early, he was fine with it. The kids came in and sat at the kitchen table, next to me playing cards, that we brought for them. They didn't speak, as they were uncomfortable. When we walked in some idiot in the living room said 'kids' loudly. I so wanted to talk to him, but didn't want to cause a scene. Dude, you don't know me, it was 3 years ago when my kids (16-17) were out with me, I will only be here an hour, I just want to see some old friends. What the heck am I supposed to do with the kids, other than just not see my friends, and that's what I have done for three years. People were drinking, but everyone was sober, and no one was loud by the time we left.
So we left at 11. Which is the kids bedtime on weekends, they are 16-17 but I have a 10 bedtime in the week, and an 11 at weekends. We get to the car, and in minutes they all fall asleep. We have a hurry up getting home, and I feel crappy about that. They are conditioned into their routine. The only thing that has changed this routine in the past 3 years is the superbowl and New Years Eve.
We go over some bumps in the road in Philly, and my neck hurts. So we stop at a grocery store on the way home, I run to the door, hustle as it's late and get out of the there with some Icy Hot. On the way out of the door, a three year old is walking in, alert awake with mom.
I seriously contemplate introducing myself as sooner or later, I might foster that child. I am in a massive hurry up to get my 16-17 year olds who are asleep in the car at midnight home, and there is a 3 year old walking into the grocery store.
Alex - One night out late won't hurt them. Last year I once had to bring the kids into the pub with me as I had nobody to mind them and one of my co-workers were moving back to Australia. They came in with me for an hour and we left at 8 (their bedtime), both fell asleep in the car on the way home, which is something they are both prone to doing in the middle of the day anyway!
I find that some people are so blinkered they feel the need to make assumptions about why the kids were there. People like that deserve none of your time. As for the youngsters you saw out - sounds like something that would happen to my SIL! She can not for the life of her get her kids to go to bed at night. Funny thing is that before I had DD I was informed there was concern about me as a parent, as I was pretty useless with kids. Now, my MIL admits my kids are the best behaved and most polite of all the grandkids. Ha!