The 30-something's Thread!! *finally* - Page 39
 
 

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The 30-something's Thread!! *finally*

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        04-13-2013, 08:11 PM
      #381
    Yearling
    Quote:
    Originally Posted by AlexS    
    Had the vet out for Spring stuff the other week, and coggins. I've been mulling over a show name for Lucas for some time, and have a list in my phone that I've kept looking at. I decided to go with a name that Kid 1 came up with - so Lucas has a show name now (Get Over It - my goal is for him to a jumper) I just need to get him to a show.
    I finally decided on one myself! Well.... actually my trainer did on accident. She calls him Chicken Little because he's small and terrified of just about everything at home (yes, including his shadow), but when it comes time show, do a cross country course, or be flashy and fancy for the judges, he puts his brave, big boy pants on and is a completely different horse. It's pretty incredible.

    Not to mention just about everyone laughs when I enter the show ring and they say: "Chicken Little" over the loud speakers. Hahaha!
    AlexS, FlyGap and Maple like this.
         
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        04-13-2013, 08:45 PM
      #382
    Yearling
    Congrats on the show names, guys.
    Drafty, what company does your sis work for? We need a mortgage soon.

    More later. I spent the equivalent of our house payment at the tack auction, so I gotta get to cleaning it for eBay posting before teh hubby decides to kill me! ;)
         
        04-13-2013, 08:57 PM
      #383
    Foal
    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 :)
    Maple likes this.
         
        04-14-2013, 02:32 AM
      #384
    Banned
    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.
    Maple likes this.
         
        04-14-2013, 03:11 AM
      #385
    Yearling
    As far as the mortgage industry...there's surely a lot of screwed up people in this world. Ok, I get how a person can see it as someone's responsibility to KNOW they can't afford a mansion on a McDonald's paycheck...but at the same time, heck, maybe they really aren't that bright, or don't realize? No one, and I mean, no one, from family, to the bank to...anyone else....thought of saying..."bro...I don't think you can afford that house"?! Or "WHAT IF...?" I know there were a lot of those crap mortages sold in Cali....subprime mortages, right? And then the market imploded... My FIL is a master mechanic, he runs his own business, and I"m pretty sure he lost two houses in that mess. Eh, it just feels like we as a society are perfectly ok with soulless behaviors, unless it's us that's getting the short end of the stick!

    I don't mean specifically anyone, I guess I just get tired of everything being so cuthroat! =/

    Speaking of cuthroat, my auction damages:

    I bought like five saddles....one I will probably keep-a 16" western...three English, and an Aussie. A couple of the English need WORK! I'm wishing there was a place around here that sold more than two colors of leather dye! I also got a blue sparkly halter for Witch (NWT), um...erm...a couple blankets...a pony bridle with bit, a saddle rack, some dog bowls...um...I honestly can't remember at this point, but it's a bunch of stuff! ;)

    The FUN part is they had a Jeffers supply scratch n dent lot....I got a TON of supplements on the cheap! A dented 4 pound bucket of MSM set me back 15 bucks...three packs of calming horse treats, a 7 (?) pound bucket of vitamin...15 bucks...stuff like that. Man, If I didn't spend the stupid amount of money I did (which I need to make up with sales =/), I'd almost be bummed that I didn't buy more supplement! Honestly, I haven't beat those prices, though now I may have to turn over my ExpoTv gift cards to teh hubby for his techno toys, since he fronted me the money I'd have usually paid with gift cards. =P
    AlexS and Maple like this.
         
        04-14-2013, 03:32 AM
      #386
    Started
    Quote:
    Originally Posted by DraftyAiresMum    
    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.
    Posted via Mobile Device
    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.


    Quote:
    Originally Posted by Faye83    
    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!

    Quote:
    Originally Posted by AlexS    
    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!
    aforred, AlexS, FlyGap and 2 others like this.
         
        04-14-2013, 03:37 AM
      #387
    Trained
    Mortgages are evil sick nasty things, banks are even WORSE!
    I hope for the best for you all! Can't say that we aren't gettin by, but it's by the skin of our teeth.

    When we bought our farm we got into a bidding war. Sucked so bad! Thank heavens we had some resources and could close immediately. We ended up paying $40,000 more than we initially planned. Thankfully the guy was going through a divorce and wanted out asap so he could close on a house in town. If not he would have waited longer on the climbing bids which were way way over ours and they were incredibly rich guys fighting over it. One guy wanted it just so he had a "nice place" to land his helicopter!
    *I had no hair left*

    So, we go in to get a mortgage and the freakin bank, of course, gets to do the assessment. It was under by $70,000 of the purchase price. I have never, in my life, wanted to strangle anyone more than the lady who came out and "appraised" my home!! Apparently because 99.9% of the homes "around" us (we are talkin dozens of miles away) are should be condemned trailer houses, our beautiful property, 2,000 square foot custom built home, with several barns, is worthless.

    The whole **** thing is a scam.


    Demon, you sellin that Aussie saddle?
         
        04-14-2013, 03:40 AM
      #388
    Trained
    Alex you did great, skrew the "kids?" guy. I don't have a sitter so DD goes everywhere with us. You need to get out, and so do they! It was good for them to see "normal" adults having a "normal" good time.

    As for the late night mom? Shudder. I feel guilty taking my 8 year old to WM at 9PM. It's always because we are running behind, chit happens.
    AlexS and Back2Horseback like this.
         
        04-14-2013, 03:42 AM
      #389
    Yearling
    Maple, I agree, a night up late won't kill kids...for me, half the time my son manages to stay up til 1am. If he gets a 5 minute nap, he's bouncing off the walls until Midnight. I have no clue where he gets his energy from, but I wish I had even half of it!!!!! That being said...not much can be done if you're a single parent, or home alone with a little one, and they need meds at 2 am. Can't leave em at home.

    @Flygap....that really, really stinks. No one could blame you for being a little irked!!!!!
    And yeah, once I clean up the saddles, I'll be selling them all, except the Western. Today was just about getting the barn dust off. I'm a bit overwhelmed xD
         
        04-14-2013, 03:45 AM
      #390
    Banned
    We refinanced because we skipped a months mortgage payment - our fault, but a tree fell on my parked car $500 deductible, I hit a deer $500 deductable, and something else happened in that month too, I forget what now, but I know there was something. We called the mortgage company, made arrangements to pay an extra $200 per month, mortgage was sold, and they started foreclosure. You are kidding right? We owe like $800, you are going to foreclose a $150k house for $800?

    In the process of this we find that the mortgage company didn't pay last years taxes, they claimed they didn't get the bill. Well no problem right, we pay escrow, so you have that money - well we never got an answer to that. So they needed about $5k immediately, or they would foreclose.

    We hired a lawyer, he cost about $3500, but he refinanced for us, cleared the arrears of $800, figured out the taxes so we are ok, as we had paid them, they just didn't arrive at the school. We are at 2% til 2016, I think and no more than 5% after that.

    Best $3.5k I have ever spent, I have saved that and then some since then.

    I HATE the mortgage industry.

    My lawyer pushed hard for us to declare bankrupcy, I thought I would walk away from him and find someone else. I told him clearly that I find that morally corrupt for us, and we could pay it, we just needed a minute. He then refinanced for us.
    Oddly Brad's bank would loan him $2k to pay the lawyer, (we came up with the rest) but as our mortgage was in arrears they wouldn't give us the $5k to pay off the debts. I don't know why.

    We went from missing one payment to foreclosure in 60 days.
         

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