BubbaWoo
7 Feb 2008
BubbaWoo
6 Feb 2008
Real Estate / Interesting Article on Polish Real Estate [33]
i agree with what youve said, and the results that irresponsible borrowing can have on individuals lives is tragic, but heartless as it may sound i find to sympathise too much with those who do - they must take responsibility for their borrowing
brokers number pmed - its not for the public forum
aligator_s
i agree with what youve said, and the results that irresponsible borrowing can have on individuals lives is tragic, but heartless as it may sound i find to sympathise too much with those who do - they must take responsibility for their borrowing
brokers number pmed - its not for the public forum
BubbaWoo
6 Feb 2008
Real Estate / Interesting Article on Polish Real Estate [33]
my point was that many of the sub prime victims had been sold 100% mortages and look what a mess theyve gotten into
quite, but this comes down to borrowing sensibly.
the uk system you describe above allows for the sensible borrower to prosper more easily. i borrowed for my first property in this manner, without income, and it was a sensible investment - i have prospered.
sure, you can argue that its the bank being irresponsible for the ease at which they hand out loans... but at the end of the day... when all is said and done... the bottom line is that the burden of responsibility sits squarley on the shoulder of the borrower
lol - ill give you then number of my broker... provided youre a sensible borrower ;-)
If you've got a 350,000zl 30 year mortgage, your repayments are pretty much what you'd be paying to rent anyway that property.
my point was that many of the sub prime victims had been sold 100% mortages and look what a mess theyve gotten into
one of the things that I really like about Polish banks is that if you have property worth 200,000 Euros and you want to secure a loan of 50,000 Euros the bank asks you how you are going to make the repayments. if you cannot prove that you can make the repayment, there is no way you will get the loan. In the UK, if you want to secure a loan on the property you can do it over the phone and get an instant answer. OK you will have to fill in a few forms later but the loan is agreed in principle over the phone in a matter of minutes because the bank knows that if you default on the repayments, they take your house. then the bank can make additional revenue out of your misery/stupidity for charging you a fortune for putting your house up for auction to pay the outstanding debt.
quite, but this comes down to borrowing sensibly.
the uk system you describe above allows for the sensible borrower to prosper more easily. i borrowed for my first property in this manner, without income, and it was a sensible investment - i have prospered.
sure, you can argue that its the bank being irresponsible for the ease at which they hand out loans... but at the end of the day... when all is said and done... the bottom line is that the burden of responsibility sits squarley on the shoulder of the borrower
if you find one please let me know :-)
lol - ill give you then number of my broker... provided youre a sensible borrower ;-)
BubbaWoo
6 Feb 2008
Real Estate / Interesting Article on Polish Real Estate [33]
yup... until it all goes horribly wrong...
yup... until it all goes horribly wrong...
BubbaWoo
6 Feb 2008
Real Estate / Interesting Article on Polish Real Estate [33]
i think the majority of overseas investors will have raised finance at home and might find they need to make mortgage payments longer than anticipated - with obvious implications. as with this sort of situation elsewhere, there may well be rich pickings for the canny investor...
anyone else looking at american real estate?
more to the point - who takes a 100% mortgage?
Many of these guys have re-mortgaged at home to raise the capital to invest abroad.
i think the majority of overseas investors will have raised finance at home and might find they need to make mortgage payments longer than anticipated - with obvious implications. as with this sort of situation elsewhere, there may well be rich pickings for the canny investor...
anyone else looking at american real estate?
what bank gives 100% mortgage then?
more to the point - who takes a 100% mortgage?
BubbaWoo
6 Feb 2008
Real Estate / Interesting Article on Polish Real Estate [33]
hi Deise - my interest is in overseas investors who have bought off-plan on borrowed money with the intention of a quick resale once the property is complete.
i am wondering if these investors will now find that their properties have not gained in value as hoped (or worse, are not going to be completed or have dropped in value, as suggested in above posts) and their rental worth is insufficient to cover repayments on their loans back home.
hi Deise - my interest is in overseas investors who have bought off-plan on borrowed money with the intention of a quick resale once the property is complete.
i am wondering if these investors will now find that their properties have not gained in value as hoped (or worse, are not going to be completed or have dropped in value, as suggested in above posts) and their rental worth is insufficient to cover repayments on their loans back home.
BubbaWoo
6 Feb 2008
Real Estate / Interesting Article on Polish Real Estate [33]
harbingers of doom are ten a penny on most property forums - anyone want to have a shot at what this will mean or offer advice to those who have invested in polish real estate...?
harbingers of doom are ten a penny on most property forums - anyone want to have a shot at what this will mean or offer advice to those who have invested in polish real estate...?
BubbaWoo
6 Feb 2008
Life / Local Poles taking advantage of foreigners living in Poland [235]
lol
lol - these stories are about uk airports... where the locals are pushed out the way
Did they applaud when the plane touched down?
lol
If you are not local you will be treated different
lol - these stories are about uk airports... where the locals are pushed out the way
BubbaWoo
6 Feb 2008
Life / Local Poles taking advantage of foreigners living in Poland [235]
watch it mate - youve just broken the cardinal rule of the forum
NEVER say anything that can be construed as critisism of the polish
youre a marked man
watch it mate - youve just broken the cardinal rule of the forum
NEVER say anything that can be construed as critisism of the polish
youre a marked man
BubbaWoo
5 Feb 2008
News / Poland in coming 5 years [48]
wheres the ambition?
Why can't we all just be happy with what we have
wheres the ambition?
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
small difference between the uk an us... illegality of guns
and what was that you said about running out of inteligent things to say...?
its easy to make you look a fool but youre doing such a good job yourself that im going to boil the kettle instead
You will face the problem yourself. Your system is prone as well.
small difference between the uk an us... illegality of guns
Bubba seems to have some anger issues hehe
and what was that you said about running out of inteligent things to say...?
its easy to make you look a fool but youre doing such a good job yourself that im going to boil the kettle instead
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
im not worried about your country - why should i give a flying fuk if americans are shooting themselves...not my problem... just pointing out the facts to you as you seem to have problems grasping them
im not worried about your country - why should i give a flying fuk if americans are shooting themselves...not my problem... just pointing out the facts to you as you seem to have problems grasping them
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
of course its different you clown - it shows 2 totally different sets of data
wiki shows suicide rate
the other site shows death by firearm - which includes suicide
the difference in data should be obvious
lol
Wikipedia's data is totaly differant.
of course its different you clown - it shows 2 totally different sets of data
wiki shows suicide rate
the other site shows death by firearm - which includes suicide
the difference in data should be obvious
lol
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
suicide rate amongst canabis users is comparitively high
dont take drugs
suicide rate amongst canabis users is comparitively high
dont take drugs
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
check out this list of gun deaths per 100,000 population
USA homocide 3.98 suicide 5.92 other 0.36
Italy homocide 0.81 suicide 1.1 other 0.07
Switzerland homocide 0.50 suicide 5.8 other 0.10
"Data on suicide and firearms from other countries can be viewed as a warning to us in the UK of some of the effects of firearm possession. Most articles show that the storage of a firearm in the home predicts an increased rate of a violent death."
gun-control-network.org/GF01.htm
check out this list of gun deaths per 100,000 population
USA homocide 3.98 suicide 5.92 other 0.36
Italy homocide 0.81 suicide 1.1 other 0.07
Switzerland homocide 0.50 suicide 5.8 other 0.10
"Data on suicide and firearms from other countries can be viewed as a warning to us in the UK of some of the effects of firearm possession. Most articles show that the storage of a firearm in the home predicts an increased rate of a violent death."
gun-control-network.org/GF01.htm
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
the choice does belong to you, and at the moment america keeps the gun. in the uk we had one too many tragedies involving firearms and changed our laws. guns are still a problem, illegal guns largely used for criminal purposes
the choice does belong to you, and at the moment america keeps the gun. in the uk we had one too many tragedies involving firearms and changed our laws. guns are still a problem, illegal guns largely used for criminal purposes
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
its a different subject Filios - high suicide rates are obviously a societal issue but unfortunately a lot of people end up killing themselves with fire arms because of these spur of the moment decisions who wouldnt be at risk if the guns werent there.
many people wish themselves dead at one point or another - some go on to plan their death but most just get thru their down period - many people take overdoses because they are feeling sh!t with their life and then change their mind and go to hospital. you cant do this if you shoot yourself in the head
You do have a point, but wouldn't you say that its a societal problem as much as the accesibility
its a different subject Filios - high suicide rates are obviously a societal issue but unfortunately a lot of people end up killing themselves with fire arms because of these spur of the moment decisions who wouldnt be at risk if the guns werent there.
many people wish themselves dead at one point or another - some go on to plan their death but most just get thru their down period - many people take overdoses because they are feeling sh!t with their life and then change their mind and go to hospital. you cant do this if you shoot yourself in the head
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
unfortunately this is not the case and again shows little understanding of the circumstances in which people kill themselves
broadly speaking people who commit suicide can be divided into 2 types - those who have given a degree of thought to taking their lives and those that kill themsleves almost as a rash decision - spur of the moment.
the ready availability of guns in both america and switzerland makes killing yourself as a result of a rash decision a lot easier than walking out of the house and finding a train to jump in front of.
its not a case of walking down to the gun shop so you can buy a gun and shoot yourself, its a case of having a fire arm at home, easily accessible in moments of distress. the process of putting a gun to your head and pulling the trigger is a lot easier then taking pills and lying down waiting to die.
if you put a gun to your head and pull the trigger you cant change your mind, call the hospital and get your stomach pumped
this is the reason why both america and switzerland have the highest suicide-by-gun rates - becasue the are sitting at home in the drawer
as i said - when you have something inteligent to say i will give you an inteligent reply - when you just babble without thought i will call you a clown
even if you got rid of all the guns in the U.S, the suicide rates would be the same
unfortunately this is not the case and again shows little understanding of the circumstances in which people kill themselves
broadly speaking people who commit suicide can be divided into 2 types - those who have given a degree of thought to taking their lives and those that kill themsleves almost as a rash decision - spur of the moment.
the ready availability of guns in both america and switzerland makes killing yourself as a result of a rash decision a lot easier than walking out of the house and finding a train to jump in front of.
its not a case of walking down to the gun shop so you can buy a gun and shoot yourself, its a case of having a fire arm at home, easily accessible in moments of distress. the process of putting a gun to your head and pulling the trigger is a lot easier then taking pills and lying down waiting to die.
if you put a gun to your head and pull the trigger you cant change your mind, call the hospital and get your stomach pumped
this is the reason why both america and switzerland have the highest suicide-by-gun rates - becasue the are sitting at home in the drawer
Whatever Bubba, I just pointed out that when you are out of arguments you're stooping down to personal attacks
as i said - when you have something inteligent to say i will give you an inteligent reply - when you just babble without thought i will call you a clown
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
your reasoning doesnt warrant an inteligent reply - if you want to be given credence go and do a bit of reading about suicide
your reasoning doesnt warrant an inteligent reply - if you want to be given credence go and do a bit of reading about suicide
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
the point has gone wooosh over your head mate - which isnt actually a suprise
the point has gone wooosh over your head mate - which isnt actually a suprise
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
the fact that america has the highest suicide-by-gun rate in the world means nothing i take it... somehow these deaths dont count
the fact that america has the highest suicide-by-gun rate in the world means nothing i take it... somehow these deaths dont count
BubbaWoo
4 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
youre kidding yourself...
a major tragedy like this one probably happens only about once a year
youre kidding yourself...
BubbaWoo
4 Feb 2008
BubbaWoo
4 Feb 2008
Life / Moving to Poland from Dubai, living on 22,000 PLN a month [13]
im sure there was a teacher on here just the other day moaning about only getting 800 a month
I dont know anybody earning 900 zł...
im sure there was a teacher on here just the other day moaning about only getting 800 a month
BubbaWoo
4 Feb 2008
UK, Ireland / Migrants' advice packs proposed - from BBC on Poles in the UK [15]
just dont touch me, right
just dont touch me, right
BubbaWoo
3 Feb 2008
Law / Celebrate Polish success; Poland best to invest [30]
keep up mate - that was ages ago
we've moved on mate - you should too
keep up mate - that was ages ago
we've moved on mate - you should too
BubbaWoo
3 Feb 2008
UK, Ireland / Three more Polish males lose lives on Irish roads [18]
why the fuk dont they learn drive sensibly?
RIP
why the fuk dont they learn drive sensibly?
RIP
BubbaWoo
3 Feb 2008
UK, Ireland / Multiple wives will mean multiple benefits in Britain (not only for Polish married couples) [29]
impeach the president... wait, thats america
fukit
revolution
impeach the president... wait, thats america
fukit
revolution
BubbaWoo
2 Feb 2008
BubbaWoo
2 Feb 2008
USA, Canada / The 2nd Amendment (USA), the right to own guns [261]
???
suicide by gun is as relevant to the topic as homocide by gun
BW...saying Switzerland has a high rate of gun-suicide is irrelevant to the topic.
???
suicide by gun is as relevant to the topic as homocide by gun