What are you all up to

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  • Tinwheeler
    Tinwheeler Forum Participant Trusted Posts: 23,432
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    edited February 2018 #14972

    That’s a wise post, Taffy, as you cannot possibly empathise unless you’ve experienced something similar. 

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14973

    What I have said is surely fair comment, is it not taffyY? Good luck to you if your experience of family life differs from mine. I can only go by what I have been through.

  • triky auto
    triky auto Forum Participant Posts: 8,689
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    edited February 2018 #14974

    cool Bright and sunny here in East Kent ,though very frosty.Calm seas with no wind .Off to the B/yd soon.

  • taffyY
    taffyY Forum Participant Posts: 326
    edited February 2018 #14975

    You can say what you think or what you want to Malc, all I can say is that no family is ever without its trials and tribulations but if there is plenty of love, it can always be sorted out.  To be perfectly honest, I am not particularly interested in the ins and outs of others' lives...too wrapped up in my own!  laughing

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14976

    I'm not the only one, taffyY. My present wife had similar trouble with her previous marriage. Before she met me, she spent 25 years teaching in a primary school in Wuhan. She liked her job but was unhappy with her marriage. She had one son from that marriage and by the time he grew up, she wanted out! Then she met me and the rest is history!

    However, unlike my son, her son is more sensible in that he keeps in contact with both sides.

  • EasyT
    EasyT Forum Participant Posts: 16,194
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    edited February 2018 #14977

    £40 a month on a £2,500 overdraft Malcolm!! The bank might have a favourable view of you but it is not doing any favours. I suppose the rate is better than a pay day loan.

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14978

    I said nearly £40 per month, Easy T. It's actually £36.83 payable on the 26th of this month. Fair play, they did advise me of the cost of the overdraft interest before they agreed it based upon how much it would cost me to borrow £3000 over 3 months. 

    You're right, EasyT. Payday loans are extortionate in the amount of interest they charge!

  • Milothedog
    Milothedog Forum Participant Posts: 1,433
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    edited February 2018 #14979

    You really do have a strange outlook on your future. Living in a Caravan in to your old age is never going to be a long term solution. From what I read you are only just keeping your head above water and are constantly looking for the cheapest way to get credit to pay for things. Your life and I wish you both well but not for me.

    I much prefer living in my mortgage free house. I owe nothing to anyone, have a classic car and a motorbike as other hobbies. and haven't had to work since 2012 when I took early retirement at 53.  That's my idea of an ideal situation cool

    The house that I do/pay for to maintain and repair will still be around when your caravan is no longer fit to live in. You will then have to pay for a new one and still be looking for the next place to move it to. My house will still be in the same place and a very valuable asset no matter how the property market changes. 

     

     

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14980

    By the time that happens, Milodog, they'll probably put me into a Nursing Home in which case a house would be useless!

    Before my cousin's mother died, she had dementia and could no longer live in her own home. She was in hospital, at first and then transferred to a Nursing Home. She died in a nursing home and never saw her own home ever again!

    Better to do what I did and realise the capital now and enjoy it whilst you can!

  • cariadon
    cariadon Forum Participant Posts: 861
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    edited February 2018 #14981

    keep saying it often enough and you'll start to believe it.

  • milliehull
    milliehull Forum Participant, Forum Participant Trusted Posts: 4,840
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    edited February 2018 #14982

    I hope your grand-daughter had a good flight Tammygirl. Exciting and a bit daunting at the same time for her.  She will soon be an 'old hand' at it!! It's a bit of a dull and grey day here today but its perhaps just as well as I have lots to do in the house as son and grandchildren from N.Ireland are coming on Monday until next weekend so I need to get the bedrooms ready and the beds made up. Unfortunately DIL can't come as she is a milliner and has lots of orders for hats she needs to catch up on.  She and our grand-daughter made an appearance on Penelope Keith's Village of the Year programme on Channel 4 on February 1st when they featured Strangford.smile

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14983

    Milodog, when you're too old to look after yourself and need care in a nursing home, you will have to sell your house to pay the fees. Any money realised from the property can soon go because such fees are not cheap!

  • Milothedog
    Milothedog Forum Participant Posts: 1,433
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    edited February 2018 #14984

    That's best case scenario?  Or because you didn't make provision for yourself you could find your self destitute, homeless  or  the streets?   

    It happens........... 

  • brue
    brue Forum Participant Posts: 21,176
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    edited February 2018 #14985

    Have a nice time with the family Millie, hope we'll see one of our grandsons next week, half term seems to be staggered across the country.

    Last night when I was looking at the "DIppy" exhibition news I spotted a talk at the Museum about archaeology so as well as the Dippy tour I've booked a talk later in the Spring. Good to get a few things planned. We've been at home much longer than usual, I'm getting itchy feet. smile

  • Milothedog
    Milothedog Forum Participant Posts: 1,433
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    edited February 2018 #14986

    You don't know that as fact. I have my mother law living with us who is house bound and 93. Who's to say my Son and Daughter in law wont do the same for me.

    You can never win this argument my friend cool

     

    And I didn't mention the 1 bedroom garden flat investment property we sold 2 years ago. With the money banked and the 4 private pension incomes we live on plus by then whatever State pension we get I think the house will be pretty safe to leave to my family cool

     

  • cariadon
    cariadon Forum Participant Posts: 861
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    edited February 2018 #14987

    reading your post Malcolm reminds me of a saying "the lady doth protest to much" or in your case the Gentleman

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14988

    Good luck to you, Milliehull but like I said, I will definitely NOT be seeing my grand-daughter for the reasons I have already given you!

  • EasyT
    EasyT Forum Participant Posts: 16,194
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    edited February 2018 #14989

    Indeed it does Milo. There are also plenty of aged folk choosing between Eat or Heat

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14990

    That could happen anyway, Milodog. What happens when all the capital from the sale of your property has been spent on nursing home fees? If you're still alive, you'll be homeless too!

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14992

    Not when you're in a caravan, EasyT. Once you've paid your site fees, you no longer have to pay heating costs!  You're talking about aged folk that live in houses which are too costly to heat. The caravan is the answer to that. A much smaller and cheaper space to heat!

  • Milothedog
    Milothedog Forum Participant Posts: 1,433
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    edited February 2018 #14993

    We had it first hand ET with a dear old lady who lived in a rented house across the road from us. she lived in one room with only an electric fire for heating. She also had no family so was dependent on what benefits she could get and the kindness of neighbours. She died in Hospital alone just after her 100th birthday. The only people at the funeral where from our street.frown 

  • milliehull
    milliehull Forum Participant, Forum Participant Trusted Posts: 4,840
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    edited February 2018 #14994

    Thanks brue.  We are really lucky this time as all of our 6 grandchildren still at school have the same half term this week.  They live in 3 different areas and it very rarely happens.  The cousins are all very excited to be able to have a get together.  They range in age from 10 down to 7. The 'Dippy' exhibition and archaeology talk sound great.  My cousin and his wife who live in Dorset have booked their tickets.  Great to see events like this in places other than London.

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14995

    Brue, they are not in contact with me and whether or not they happen to read anything on here, they know my views anyway and I can assure you, they will not be bothering me or wanting to listen to anything that I say!

  • cariadon
    cariadon Forum Participant Posts: 861
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    edited February 2018 #14996

    It must be wonderful to have so much debt in order to have a good credit rating in order to have more debt.

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14997

    This is where a caravan is better. You are on a site where there are other people around to help with anything you can't manage yourself and there is plenty of company around you.

  • Milothedog
    Milothedog Forum Participant Posts: 1,433
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    edited February 2018 #14998

    It won't. Like I said there is plenty of money for that cool  

    This is my point, making provision and planning for the future instead of wearing rose coloured glasses cool 

     

     

     

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #14999

    As long as you can keep up the monthly payments, cariadon, it is not a problem! It's people that fail to keep up the payments that get into trouble.

  • Malcolm Mehta
    Malcolm Mehta Forum Participant Posts: 5,660
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    edited February 2018 #15000

    It depends how long you live and for how many years you need nursing home care for, surely! With advances in medical science, they'll have ways of keeping you alive for longer, whether you like it or not!

  • Oneputt
    Oneputt Club Member Posts: 9,165
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    edited February 2018 #15001

    Just getting ready to have a stroll down the beach, I will leave it to you folk to keep Malc 'the centre of attention'wink