Sorry yes i was joking with the link...
It was sarcasm..obviously couldnt get it through my message...
Cheap houses but def not an area you would want to raise a family..
So yes there are cheap houses but not everyone is willing to live in that type of area...
Just to own a home.
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09-01-2013 13:48 #261
09-01-2013 13:51 #262Senior Member
- Join Date
- Aug 2009
No, I wouldn't do it.
I put myself into the landlord's shoes.
DF and I are saving very, very hard. We're putting off children and the fertility specialists and everything we need to do, and possibly even our wedding, so that we can buy a house. It won't be the most fantastic house, but it'll be our house that we will (in theory) own outright.
Renters insurance, bond, whatever, or not, you can't guarantee that your dog won't destroy the house. No one can 100% guarantee that, and if it were my property, after DF and I have sacrificed these things so that we were financially set up for a long term future, I would actually be furious. And would be doing everything in my power to make sure you couldn't rent again.
Yes, I am spiteful. - -; If I say you can have a dog, then no problems, go for it(I would anyway. I love animals, but still). If I say no and you get one and it destroys my house, something I've worked hard for and sacrificed for, I'd be furious.
And there is another reason(which would probably tie in with the other thread on this subject, but that's all the way over there -->) DF and I are trying to buy our first home outright, along with any subsequent houses after that, so that we can rent them cheaply to people in need. So if someone took advantage of that, it would be an even bigger slap in the face.
So no, I wouldn't get a dog without permission. I don't know what the owners had to give up to own that property, or how hard they found it to buy it, so I'd not even have the possibility of a dog destroying the property on them.
It's *my* home, but it's *their* house. I don't need a dog/cat to make it a home, despite how much I love them. I am aware that it's not my house and just like if I entered someone elses home, I abide by their rules.
09-01-2013 14:09 #263
We have had some wonderful tenants, so I try to give limited thought to the crappy ones.
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09-01-2013 14:13 #264Senior Member
- Join Date
- Aug 2009
If they put a hole through a wall by playing canonball with a small pig I had said the renters weren't allowed to have, I will be ropable. It comes down to respect for me. I understand that animals and children cause damage, as do most adults, but children and animals mostly(which is why I mention them), and with that knowledge in mind I would still say yes and okay to animals, even if they destroyed my home, and if they destroyed it, I'd shrug and go about claiming insurance and what-not, it's what it's for. But that's because I said okay, sure, go ahead. So it's on my head for responsibility of my property as well.
If I said no and they did it anyway, I'd be furious.
09-01-2013 14:18 #265
09-01-2013 14:20 #266Senior Member
- Join Date
- May 2012
pets and renting
ETA; Nm posted before noticing my question had been answered
09-01-2013 14:20 #267
09-01-2013 14:22 #268Senior Member
- Join Date
- Aug 2009
Last edited by Jennaisme; 09-01-2013 at 14:25.
09-01-2013 14:29 #269
Surely landlords are actually not allowed to evict you for having more children once you are under a lease? I understand they would be able to look at your application and go "nup, dont want a family with 3 kids in my house, wont approve them" but once you are living there they cannot evict you for it if you happen to have another child? Sounds absolutely ludicrous to me!
09-01-2013 14:29 #270
pets and renting
My Inlaws bought a house a few years ago, no mortgage just bought it out right.
They don't have the best paying jobs but this is what they did.
Rented all the time, they always put away a "Mortgage" repayment each week into savings, for them this was $560 (from memory)
And seen there rent money as rates, insurance etc etc that they would of been paying if they were in their own home, that's how they seen it.
so they lived as though they owned their own home, but were renting.
After 15 years they were able to just buy.
They didn't start this in their 20's they started doing this when they were 40.
Now this is in no way a solution to everyone's problem.
I the Inlaws only started doing this when they were 40, the kids were older and work for them both was more flexible.
By the time they decided to buy they only needed to buy for the 2 of them so obviously the house they chose was smaller than what a family needs as well, they also bought in a retirement home village/complex where up keeps on the house are lower, they feel well looked after have friends close by etc.
they had $400k saved, plus extra they accumulated on interest in the savings account.
But this is another example of why some choose to rent.
And why not? If you can afford to "Live like your paying for your own home" whilst living in a rental saving for 15 years is much better than buying a house, paying it off for 25 years, instead of paying interest you are gaining interest on your savings and at the end of it all, retirement, you then have the security to buy.
My husband and I will be aiming for something similar when dd is in school and I can go back to full time work, we can't afford to do that right now!! But it's what we aim for.
Personally for us, we rent and try to save as much as possible, even of its only $5 a fortnight we try to put it into savings.
Savings and building it up and up over years and years seems far more productive than buying a home in our eyes. it just doesn't feel "Secure" to buy when we can save and at the end of it all be able to just buy and never worry about a mortgage and the interest they slap you with.
At the moment that's a bit out of sight with our current financial income but that's what we aim for, big savings.
This is why some choose to rent.
We rent because yes, we could afford a mortgage in a few more years, but we couldn't afford all the other costs!
With how the economy is right now at least if things go bad the bank can't re-posses our rental.
For us, we see saving and keep saving until we are 55, saving less now but more when work is flexible, is far for sensible then buying a home we can only just afford.
If something ever happens we can just stop saving for a period if time and not worry about loosing our house.
Some people might not ever be able to do this, but any savings is better than having things on long term loans that could be taken away from you if things go bad.
Like I said, this is not for everyone, but it still a reason people try to rent.
If you can rent and save then that's actually quite sensible.
If you can afford a house but cant save, than its best to by a house.
The only way I see "dead money" is getting mortgages you can't afford to only loose out on in the end, renting and not ever planing to one day save, or having everything you own on loans.
There is nothing "Rich" or "Wealthy" about having every single thing you own on loans.
So many of my friends have $$$ cars far beyond their needs and pay so much back on them, cars loose money, you don't gain money on them.
We have a cheap car, yes we could afford a "Better" car but IMO that money was better off sitting in savings over the bank gaining on our loss.
At the end of the day, owning a home doesn't mean you are "Set for life" it also means the renter next door to you isn't poor and wasting their money, truth is they could be far more better off than you.
This doesn't apply to everyone of course, but it's another view on things.
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