[Mezla PigDog]

 Tapper, on 22 April 2011 - 09:31 AM, said:

Two months until I have to pay for my new house and my financing is still unsure. What's more, I don't know how much I need to loan or mortgage if I can't pay the full sum, so I can't arrange alternatives either.

Sleepless nights and stress are incoming and I am seriously considering buying a train ticket and a hotel reservation somewhere in Europe for the easter weekend to get away from it all.

Chin up Taps! I bet you only feel so stressed because you haven't done this kind of thing before and aren't quite in control. Mortgages get sorted really quickly once you know the sum of money involved, 2 months is plenty of time. You'll be amazed how easy it is to get one arranged. Buying your first place is always crazy so just roll with it and assume stupider people than you have managed so you will be fine

[Tapper]

 Mezla PigDog, on 22 April 2011 - 10:10 AM, said:

 Tapper, on 22 April 2011 - 09:31 AM, said:

Two months until I have to pay for my new house and my financing is still unsure. What's more, I don't know how much I need to loan or mortgage if I can't pay the full sum, so I can't arrange alternatives either.

Sleepless nights and stress are incoming and I am seriously considering buying a train ticket and a hotel reservation somewhere in Europe for the easter weekend to get away from it all.

Chin up Taps! I bet you only feel so stressed because you haven't done this kind of thing before and aren't quite in control. Mortgages get sorted really quickly once you know the sum of money involved, 2 months is plenty of time. You'll be amazed how easy it is to get one arranged. Buying your first place is always crazy so just roll with it and assume stupider people than you have managed so you will be fine

Afraid not, Mezla .

I have bought a house before (3 years ago), and then it went relatively smooth apart from a fucking sad mistake by my bank's representative, who screwed me over by not sending in the paperwork he should have sent in for one of the insurances I wanted. This time, it is a bit of a less than standard situation.

The crux is, I am not so much waiting for a mortgage to get through, but for money to be cleared out of an inheritance. The house I bought is worth far more than I could get a mortgage for to begin with, even if I didn't have one already on my current place, so I am really depending on that money.

So, if it doesn't clear in time, I can't afford it unless I get a short term bridging loan (for a crazy percentage).
But I still don't even know whether or not it will clear in time, which means that if I am in trouble, I don't know for sure yet, and will have less time to negotiate that bridging loan.
Because of the sum involved and the fact I am selling my current place with a guaranteed loss will make banks hesitate or do more research or require more guarantees from me, which means I need more time than just two weeks.

But to already negotiate a bridging loan now would be madness because of the interest rate. Vicious circle much, no? If the inheritance doesn't clear in time, and if I can't arrange funding to bridge the gap until it clears, I can't buy the house and I lose the 10% deposit I already paid - which is a lot more than my annual salary and amounts to a large part of my life savings.

So, basically I'm dependent on others as I'm not the testamentary executioner, and have been for the past three months. The same people who reassured me they'd have everything in order then, are assuring me they'll have everything in order before I have to make the payment. In the meantime, nothing happened as far as I know.

The fact that those people are my sister and a close family friend who knows a lot about finance and truly has my best interests at heart makes it also much harder to be just 100% businesslike about this, and being that would truly burn a lot of bridges in case stuff goes wrong.

I also need to talk to a financial planner to discuss how much of a mortgage to keep for tax deduction purposes, whether or not to get rid of my student loans, and what to do with any remaining money, but that is a secondary concern.

This post has been edited by Tapper: 22 April 2011 - 11:07 AM

[Cyphon]

Damn. Ouch.

Really Really hope this goes well for you bro.

[Mezla PigDog]

OK, yeah ouch Stressing doesn't sound like it will change anything though so try and chill. Assume everything will work out ok but be prepared to act when something solid happens! Alternatively, drink too much and come here to moan about it

[Adjutant Stormy~]

Look at the bright side, at least you've got inheritance coming. It would suck majorly if you'd gotten stuck holding two mortgages and no money...

[Tapper]

 adjutant stormy, on 22 April 2011 - 11:27 AM, said:

Look at the bright side, at least you've got inheritance coming. It would suck majorly if you'd gotten stuck holding two mortgages and no money...

Yeah, that would be a much bigger worry.

[Ulrik]

Looks like Syria decided to turn into state of civil war...and storno of our tickets is 100% of price. So we are 99% fucked up...and my wife cant accept that the country is now really dangerous. So IM fucked up. Just great...

[Ain't_It_Just_]

 Ulrik, on 22 April 2011 - 05:02 PM, said:

Looks like Syria decided to turn into state of civil war...and storno of our tickets is 100% of price. So we are 99% fucked up...and my wife cant accept that the country is now really dangerous. So IM fucked up. Just great...

Craptastic. Stay safe, Ulrik.

I'm bothered because my parents have gotten all religious on me and won't let me have alone time with my girlfriend. It's not like we were shaking the walls or anything, just a bit of slap and tickle. I might resort to finding a shady vale and doing it there, elf-style.

[RodeoRanch]

 Ain, on 23 April 2011 - 12:22 AM, said:

just a bit of slap and tickle.

Slap and pickle?!

[Loki]

I'm not good at making apologise but I feel this one is due.


Dear Royal Family,

Due to misinformation regarding the date of Prince William and Miss Middleton's wedding I may have made some uncharitable comments regarding the Queen, Prince William and the Monarchy in general.

I am deeply sorry for this and promise to never to make unjustified accusations regarding the Royal Family and/or the Monarchy again. I humbly beg your forgiveness.

Your faithful subject,
Loki

[Cyphon]

 Loki, on 23 April 2011 - 05:49 AM, said:

I'm not good at making apologise but I feel this one is due.


Dear Royal Family,

Due to misinformation regarding the date of Prince William and Miss Middleton's wedding I may have made some uncharitable comments regarding the Queen, Prince William and the Monarchy in general.

I am deeply sorry for this and promise to never to make unjustified accusations regarding the Royal Family and/or the Monarchy again. I humbly beg your forgiveness.

Your faithful subject,
Loki

Whatever you have said pales in comparison to whatever I have said about this. And I'm proud of the fact.

[Ain't_It_Just_]

So we did break up after all.

Says it all, really.

[Cyphon]

 Ain, on 23 April 2011 - 08:07 AM, said:

So we did break up after all.

Says it all, really.

The above post.

That well and truly sucks man. Sorry to hear it. Now you just need to get back on the horse.

This post has been edited by Cyphon: 23 April 2011 - 08:08 AM

[Tapper]

 Ain, on 23 April 2011 - 08:07 AM, said:

So we did break up after all.

Says it all, really.

Awwww . That sucks to hear. Alcohol therapy?


Also, don't become a monk over this, but do as Cyphon suggests. There's a whole world of lovely girls out there waiting for you.

[Loki]

 Ain, on 23 April 2011 - 08:07 AM, said:

So we did break up after all.

Says it all, really.

I shall show my support for you by being pissed off on your behalf (I'mno good with comforting words )

Who says we have to have a serious talk and tells you it isn't about breaking up and then breaks up with you? Why not be upfront in the first place? Or don't even mention the need to talk until you are in the same room and able to talk? It's just cruel otherwise! No wonder guys never know what's going on - a little consistency ladies!!!

[MTS]

 Loki, on 23 April 2011 - 08:32 AM, said:

Who says we have to have a serious talk and tells you it isn't about breaking up and then breaks up with you?

Exactly! That's totally messed up man, sorry to hear it.

[Ain't_It_Just_]

Thanks for the kind words everyone. And in answer to you, Loki, she didn't want to do it over Facebook, as this was where she first mentioned it to me. So I suppose I owe her for doing the face-to-face thing. She basically said she wasn't ready for a relationship and that I had done nothing wrong-that I was, in fact, one of the sweetest and nicest guys she had ever been with. Sour consolation, but still.

Sigh. Third time unlucky.

[Loki]

It's not messing with my groove per se but I am kinda baffled by the fact that the GC Suns won.......actually, it is messing with my groove - I didn't want them to win at all this year.


@Ain't - Facebook? *shakes head* I never understood the 'not ready for a relationship' thing. Why not mention that at the begining instead of waiting to the guy has fallen for you and then telling them. Honestly, you'd think people don't even know themselves half the time.

I hope you're doing okay. Better to have a few misses along the way then to stay with the wrong person forever. I'm sure you'll be fine

This post has been edited by Loki: 23 April 2011 - 09:19 AM

[Matador]

My groove is 3 keystrokes from imploding as dear Loki has elected to attempt computer games again. Usually a cause for celebration, however she has gone with Morrowind over Baldur's Gate. Oh, the horror!

*glares* Damn your pernicious influence Silencer! I smell your hand in this....

[Silencer]

 Matador, on 23 April 2011 - 10:59 AM, said:

My groove is 3 keystrokes from imploding as dear Loki has elected to attempt computer games again. Usually a cause for celebration, however she has gone with Morrowind over Baldur's Gate. Oh, the horror!

*glares* Damn your pernicious influence Silencer! I smell your hand in this....

MORROWIND. RAWR. BEST GAME EVAR. (Though granted, for an isometric RPG, Baldur's Gate was bloody good...I preferred Planescape, though, )