What mood are you in and why?

[Alex 35165]

35 minutes ago, Renton said:

In a can't be arsed mood, which is most days nowadays. Spend far too much time doing unproductive stuff I shouldn't, one activity of which is just looking on Rightmove. 

Saw this property which would be just about feasible for me, in terms of costs. 

https://www.rightmove.co.uk/properties/145189766#/?channel=RES_BUY

Then I realise know way could I be arsed to do the actual work involved with running an establishment like this. Looks lovely though, not far from Calgary beach which is as beautiful as it gets. Maybe just stick to plan B and buy somewhere smaller around here when I retire. Hope I can still walk by then. Sigh. 

Been to Mull a couple of times. I saw an eagle near Calgary beach. Absolutely gorgeous spot. Bar the practicalities I would move there myself. 

[Renton 21746]

1 minute ago, Alex said:

Bar the practicalities

 

Yeah, this. Fucking life man.

 

 It's amazing what you can get for your money in Western Scotland though. Inmany ways the Lakes has more practical appeal but property there is sky high in comparison. 

[Kevin Carr's Gloves 3923]

54 minutes ago, Renton said:

In a can't be arsed mood, which is most days nowadays. Spend far too much time doing unproductive stuff I shouldn't, one activity of which is just looking on Rightmove. 

Saw this property which would be just about feasible for me, in terms of costs. 

https://www.rightmove.co.uk/properties/145189766#/?channel=RES_BUY

Then I realise know way could I be arsed to do the actual work involved with running an establishment like this. Looks lovely though, not far from Calgary beach which is as beautiful as it gets. Maybe just stick to plan B and buy somewhere smaller around here when I retire. Hope I can still walk by then. Sigh. 

Mull is lovely and has the added bonus of hardly any Scottish people living there.

[Gemmill 45252]

On 27/11/2024 at 20:07, PaddockLad said:

Mood is heartbroken. Got to put our healthy 3 year old dog down, his behaviour has deteriorated and he’s started regularly biting people. Yesterday he bit his walker which is the final straw. Poor animal has been wracked with anxiety from the word go really, we’ve spoken to a behaviourist regularly in the last two years and nothing that’s been suggested has worked. We’re up 2/3/4 times a night with him, doesn’t matter what we do, cage, on the bed, regardless of where he goes down he wakes up and either howls the house down or runs down stairs and barks till he’s let out for a “patrol”. The biting comes from resource guarding, he also has issues with separation anxiety . He needs constant reassurance and when he gets it he’s very loving back but he now can’t be trusted. He’s mostly just gone for us but we’ve not been able to leave him with our in laws because he’s nipped them and is rotten to their dog. Looks like it might Friday 😞

 

If today was the day, I hope you and the missus are doing alright. A fucking shite thing to have to go through, there's no getting around it. 

[PaddockLad 17356]

1 hour ago, Gemmill said:

 

If today was the day, I hope you and the missus are doing alright. A fucking shite thing to have to go through, there's no getting around it. 

Cheers mate. It’s tomorrow at 9am. Thanks to everyone for their words and advice 👍

[Dr Gloom 22020]

Sometimes life throws things up which render everything else meaningless. All the bullshit we carry around. All the worries about trivial stuff - careers, stuff that’s going on in the world that we can’t control, relationships, whatever. 

 

My best mate lost his youngest daughter last week. I won’t get into the details but it’s been the most harrowing week of my life as I’ve been with him for most of it. It’s every bit as awful as you might imagine - utterly devastating to see someone you love dealing with unbearable pain.

 

There’s nothing any of us can do or say other then be there for him and his family. A life-breaker 

[The Fish 10900]

6 minutes ago, Dr Gloom said:

Sometimes life throws things up which render everything else meaningless. All the bullshit we carry around. All the worries about trivial stuff - careers, stuff that’s going on in the world that we can’t control, relationships, whatever. 

 

My best mate lost his youngest daughter last week. I won’t get into the details but it’s been the most harrowing week of my life as I’ve been with him for most of it. It’s every bit as awful as you might imagine - utterly devastating to see someone you love dealing with unbearable pain.

 

There’s nothing any of us can do or say other then be there for him and his family. A life-breaker 

That's awful mate. Sorry for yours mate's loss.

[Dr Gloom 22020]

On 27/11/2024 at 20:07, PaddockLad said:

Mood is heartbroken. Got to put our healthy 3 year old dog down, his behaviour has deteriorated and he’s started regularly biting people. Yesterday he bit his walker which is the final straw. Poor animal has been wracked with anxiety from the word go really, we’ve spoken to a behaviourist regularly in the last two years and nothing that’s been suggested has worked. We’re up 2/3/4 times a night with him, doesn’t matter what we do, cage, on the bed, regardless of where he goes down he wakes up and either howls the house down or runs down stairs and barks till he’s let out for a “patrol”. The biting comes from resource guarding, he also has issues with separation anxiety . He needs constant reassurance and when he gets it he’s very loving back but he now can’t be trusted. He’s mostly just gone for us but we’ve not been able to leave him with our in laws because he’s nipped them and is rotten to their dog. Looks like it might Friday 😞

 

sorry man, that's rough 

[Renton 21746]

Really sorry to hear about that Gloom. Every persons worst fear, worse than death itself, I don't know how you come back from that. Hope you can stay strong to help get them through this.  

[Gemmill 45252]

Horrendous that, Gloom. Sorry to hear it. Hope you're looking after yourself as well as your mate. 

[Dr Gloom 22020]

10 minutes ago, Gemmill said:

Horrendous that, Gloom. Sorry to hear it. Hope you're looking after yourself as well as your mate. 

cheers man. Lots of people have been saying that. I’m fine. I just can’t stop thinking about the hell they’re living through. It’s occupying my thoughts constantly. Just putting myself in their shoes and can’t imagine how they get their life back. 

[Howmanheyman 33400]

I'm really sorry to hear about the dog, @PaddockLad, especially when it's not a medical issue and my heart goes out to your mate, @Dr Gloom, it's literally everyone's worst nightmare and it'll be difficult for yourself too I've no doubt about that.

 

 

Edited Friday at 17:53 by Howmanheyman

[PaddockLad 17356]

@Dr Gloom tragic for your mate and his family. Hopefully they can put themselves back together as best they can 🙏🏻

[Monkeys Fist 42566]

@Dr Gloom, so sorry to hear about your mate’s tragic loss, man. 
What a horrible situation you find yourself in too- all you can do is be there for your mate when he needs you, but don’t forget about yourself. 
I imagine you’re also grieving the loss of the little girl, and it’s important you allow yourself time to do so. 
Other than that, not much more I can add to what the lads have already said. 
 

 

[RobinRobin 11358]

That's horrible @Dr Gloom. You're obviously a good friend but as others have said don't forget yourself and your family. 

[Kid Dynamite 7076]

Pissed off. Took out a bank loan to buy a car and expected it to give me the option of which day of the month they were going to take direct debits. Except it didn't and it defaulted to payment being on the day the loan was approved (26th of the month). 
 

Rang them up and said I'd rather not pay  for my car 2 days before pay day every month so could they move the payment  date to the 28th please. Apparently the only way they can do that is if I pay on both the 26th & the 28th this month, otherwise I would owe them an extra 2 days in interest. Who doesn't love a double car payment in Christmas month!

 

If I'd known all of this I'd have just waited 48hours later to take out the loan ffs!

[Gemmill 45252]

3 minutes ago, Kid Dynamite said:

Pissed off. Took out a bank loan to buy a car and expected it to give me the option of which day of the month they were going to take direct debits. Except it didn't and it defaulted to payment being on the day the loan was approved (26th of the month). 
 

Rang them up and said I'd rather not pay  for my car 2 days before pay day every month so could they move the payment  date to the 28th please. Apparently the only way they can do that is if I pay on both the 26th & the 28th this month, otherwise I would owe them an extra 2 days in interest. Who doesn't love a double car payment in Christmas month!

 

If I'd known all of this I'd have just waited 48hours later to take out the loan ffs!

Just tell them you'll pay the extra 2 days of interest over the course of the loan, and could they please move the payment date. 

 

They'll be able to do it, it's just a pain in the arse so they don't want to. 

[Kid Dynamite 7076]

27 minutes ago, Gemmill said:

Just tell them you'll pay the extra 2 days of interest over the course of the loan, and could they please move the payment date. 

 

They'll be able to do it, it's just a pain in the arse so they don't want to. 

I've asked them to do that. The woman on the phone spent the whole call speaking to me like I'm on the bones of my arse, making sure to tell me I had a 35p overdraft charge coming up. 
 

The lass reckons I'll owe them an extra 2 days interest every month for the duration of the loan (60 months)!
 

Is she having me one? Surely once I cover the shortfall in the first month everything then evens out?  Otherwise that's an extra 120 days of interest I'm paying just avoid the double payment this month  

Edited Monday at 12:14 by Kid Dynamite

[Renton 21746]

We used to get paid a bit early on the NHS at this time of year? Pretty sure your salary is paid before christmas*? Then maybe sort it out next month if Gemmill's suggestion doesn't work so the payment is at a better date. If you're struggling to pay two loan periods in any single month, sounds like you have over-extended yourself (no criticism from me, I'm the same). Use a credit card as a bridge if need be. 

 

* We had one moaning cunt at my work, complained about getting paid early every year, even though obviously he would benefit through interest the tight cunt. He was single with no kids so had no additional expenditure at this time of year. Miserable cunt. 

[Kid Dynamite 7076]

Just now, Renton said:

We used to get paid a bit early on the NHS at this time of year? Pretty sure your salary is paid before christmas*? Then maybe sort it out next month if Gemmill's suggestion doesn't work so the payment is at a better date. If you're struggling to pay two loan periods in any single month, sounds like you have over-extended yourself (no criticism from me, I'm the same). Use a credit card as a bridge if need be. 

 

* We had one moaning cunt at my work, complained about getting paid early every year, even though obviously he would benefit through interest the tight cunt. He was single with no kids so had no additional expenditure at this time of year. Miserable cunt. 

I've just sold a pinball machine for £6k so I've got the money to cover it. I'd just rather not  

 

 

[Renton 21746]

Just now, Kid Dynamite said:

I've just sold a pinball machine for £6k so I've got the money to cover it. I'd just rather not  

 

 

 

Just pay it then man, finish the loan a month early. 

[Kid Dynamite 7076]

4 minutes ago, Renton said:

 

Just pay it then man, finish the loan a month early. 

I will if needed. But if we are talking an extra £10 on 2 days interest then I'd rather pay that and have an extra £300 in my pocket this month.
 

On the other hand, if they want to take an extra £10 (or whatever the interest is) every month for 60 months then they can get fucked  

Edited Monday at 12:22 by Kid Dynamite

[Renton 21746]

Basically you're getting free accountancy advice from @Gemmill. Are you happy with this Gems? 

[Gemmill 45252]

7 minutes ago, Kid Dynamite said:

I've asked them to do that. The woman on the phone spent the whole call speaking to me like I'm on the bones of my arse, making sure to tell me I had a 35p overdraft charge coming up. 
 

The lass reckons I'll owe them an extra 2 days interest every month for the duration of the loan (60 months)!
 

Is she having me one? Surely once I cover the shortfall in the first month everything then evens out?  Otherwise that's an extra 120 days of interest I'm paying just avoid the double payment this month  

 

Yeah she's wrong. 

 

You're asking to pay this single payment two days late which means you've effectively extended the period of your entire loan by 2 days, because your final loan payment will fall two days later than originally planned. 

 

That's where the 2 extra days of interest comes from. It's not something they get to repeat every month, it's just 2 days to reflect the fact that your loan period is now 2 days longer. 

[Gemmill 45252]

3 minutes ago, Renton said:

Basically you're getting free accountancy advice from @Gemmill. Are you happy with this Gems? 

 

You're speaking to a man who, whilst training to be an accountant, used to have to go to the Amex desk in Fenwick to withdraw cash to put in his bank to pay the previous month's Amex bill. 

 

So proceed with caution on any financial advice I provide. 

 

But that shit above is bang on. I need a column in the Chronicle.