Thread: Mortgage Repayments

Originally Posted by Lotz-A-Landies

Diana

P.S. At one point in my career, working for a special project of the Dept of Health, I got to teach some of the mistresses how to do their "art" in the correct sterile way. The place would make your hair stand on end! ENUF SAID!

Just out of interest how is belting someone with a cat of nine or a paddle considered art?

Also do they autoclave the whips and chains after use or something?

Originally Posted by dobbo

Just out of interest how is belting someone with a cat of nine or a paddle considered art?

Also do they autoclave the whips and chains after use or something?

Dobbo

It all depends on the particular fantasy the client desires - some of the fetishes are very medical, like being catheterised, or enemas etc. etc. Yes when there is what we in hospitals term invasive procedures, they are required to use disposable single use items (and discard them) or re-useable items which must be sterilised the same as they would be in hospital. Linen must be laundered, I believe that the leather items are the most difficult to clean, but they do get dubbin etc. The same sort of regulations as now operate for acupuncturists and tattoo parlours.

At least one of the bondage parlours in Sydney has a "clinical room" that would be envied by many doctors surgeries.

This is not helping those with mortgage problems though!

This is not helping those with mortgage problems though!

No, maybe not but I have exhausted myself on that topic, us men only have so many words we can use in one day , but this is an interesting topic,

Regards

Stevo

Here's a relevant article from today's ABC online news:

Home buyers 'must share blame' for rates rise

Posted 2 hours 8 minutes ago
The peak body representing Australia's town planners says home buyers have to accept some responsibility for the housing affordability crisis and rising interest rates.

The Reserve Bank yesterday lifted official interest rates to 7.25 per cent.
Dyan Currie from the Planning Institute of Australia says while homeowners are blaming the Government, builders and banks, the public is also to blame.

She says first home buyers want more than they can afford and are borrowing heavily.

"I don't honestly know how people can go in on their first home [with a] $300,000, $400,000, $500,000 mortgage just because they believe they have to have a completely finished house, entirely furnished," he said.

"If we are going to share the blame around I think the community should wear some of it."

what about the ones on a 100% mortgage they would be at the 300,000 mark easily as you would be lucky to get one not much cheaper than that around here........but then I suppose some should just save for a deposit

Although we morgarged to a similar amount but we put down a touch over 100,000 deposit........and we have not got a big house we don't have anything flashy it doesn't have a garage or anything...

I think houses are very expensive in and around Sydney we were going to move to brissy originally but ian got a job transfer here to we had to go to were the work is.......we will end up in QLD one day that's for

Originally Posted by spudboy

snip.........
She says first home buyers want more than they can afford and are borrowing heavily.

"I don't honestly know how people can go in on their first home [with a] $300,000, $400,000, $500,000 mortgage just because they believe they have to have a completely finished house, entirely furnished," he said.

"If we are going to share the blame around I think the community should wear some of it."

Who in their right mind would get into debt that much on their first home? They must not have a life. The only people I know who managed to do this successfully are my old Thai neighbours, they paid the house off in 4 yrs. How they did they do it? Simple, they unofficially had 18 adults all up living in the 4 bedroom house, they slept in the lounge, the dining area, the bedrooms everywhere. All except the elderly worked a rotating roster down their family restaraunt. When the house was paid off they bought another, and two new relo's emigrated over here. The spiral into home ownership continued.

It was a nice house, but I could and would not do that.

As for the furnishings, they don't make them like they used to, what happens in 4yrs time, usually two days after the warrantee expires when it all breaks down?

When we moved out together we got 2nd hand stuff, beanbags etc... We had the basics.

A family friend even gave us some canned food. The 40 tins turned out to be ex army rations surplus from the Vietnam war, (sorry REMLR boys they went a long time ago) they even came with a FRED. The cat and myself enjoyed but she who rides a horse refused to dine on these gourmet dishes.

Originally Posted by spudboy

Here's a relevant article from today's ABC online news:

Home buyers 'must share blame' for rates rise

...........
............
.............

"If we are going to share the blame around I think the community should wear some of it."

I think that is an important point and a point that so easily gets lost.

Someone is supposed to have once said, "For every complex problem there is a simple answer - and it is always wrong".
Personally I blame 60 Minutes and similar programs which grossly oversimplify (and over dramatise) most issues. They encourage the notion that there is one cause or one reason or one answer or one person to blame.

A few months ago when the issue was aired on this forum, I seem to remember that even us unsophisticated LR owners could identify a dozen or more factors that are contributing to the housing and rental stress that some people are undoubtedly suffering. I imagine there are probably a dozen more other causes of which we are unaware.

It is just as wrong to think the problem only exists because of greedy Generation X or Baby Boomer home buyers as it is to think it's all the guvamint's fault.

Some of us might have appeared to have been guilty of subscribing to that same blinkered view that the crisis is entirely due to one factor. However I like to think there is another explanation.

I like to believe that we are reasonably aware if just how complex the problem is, and the fact that we only mention or highlight one aspect of the problem in our posts is because we think it might be a factor that others have not considered or have not given sufficient consideration.
Or it might be that we have more important things to do with our time than type out a long winded analysis of what we know is a difficult, complex problem.

If there really was a simple solution, someone would have found it and applied it by now.

PS. Sorry to drag the conversation away from the fascinating topic of bedpans, invasive procedures and sado-masochistic activities.

Originally Posted by vnx205

If there really was a simple solution, someone would have found it and applied it by now.

There is,

• Don't be greedy
• Do not live beyond your means
• Have enough assets to bail yourself out of **** quickly
• Do without unnecessary crap, like plasma's LCD's etc
• Have at least one luxury item, to make life enjoyable
• Aim low, achieve your goal then and only then up the anti to the next stage.

You don't have to be smart to see it, I won't die rich, but I'll die with assets and have a bloody good time whilst I'm here.