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  #81  
Old 14.11.2015, 09:09
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Re: Would you take a mortgage- to help you children?

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About 35% of people in Germany and Switzerland own their own property
I think those could be old figures. In Germany the rate is higher than in Switzerland, a little over 53% according to some statistics. In Switzerland it has been steadily increasing also over the last 10 to 15 years and I think you'll find it's now around 41%. Hardly surprising given the absurd costs that renting entails! It's often much less expensive to own rather than to rent! I much prefer paying into a mortgage knowing the property is mine and that I can do what I want with it rather than dishing out huge amounts of money to someone else who I don't even know and who has more money than I do anyway!
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each to their own though. Thank goodness we are all different. I want to be in my own home, in my own garden- and planning to share my life with a family with kids and dogs, and cats, - living only with old people would be a nightmare for me.
Same here. Why is it in Switzerland so many people think that old people have to be shoved off into a home with 'other old people'? Possibly if someone is chronically ill and needs a lot of care it is a different story. But not all old people are ill.
Odile, you are in the majority here, most people simply do not want to go into a home. My neighbour resisted almost thirty years alone in her own flat after he husband died in the 1980s, now this year only at 95 years is she in a home, and she still insists it is only temporary and wants to come home!
I wouldn't go into a home. My grandfather in the U.K. is in his own large home with garden and is also well into his 90s, he also wouldn't have it any other way! My aunt (his daughter) lives in the same town and so he has someone caring close by.

Last edited by plumtree; 14.11.2015 at 11:47.
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  #82  
Old 14.11.2015, 09:51
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Re: Would you take a mortgage- to help you children?

Having seen several friends having their lives ruined because they have to take care of sick parents who obstinately refuse to go into a home, I've already told my kids that at the very first signs of losing my marbles, I'll sign myself in into an elderly home. I actually quite like the idea of having friends around me at all times, with planned activities and so on.
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  #83  
Old 14.11.2015, 10:34
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Re: Would you take a mortgage- to help you children?

My mum asked me to shoot her, wouldn't surprise me if she already bought the gun and bullets !
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  #84  
Old 14.11.2015, 10:40
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Re: Would you take a mortgage- to help you children?

There are lots of more imaginative ways in between- we have already ensured we have the necessary infrastructure to make likfe comfortable at home- with suitable bathrooms and WCs and a room downstairs just in case. And I would never expect my kids to look after me- plenty of available suitable staff around here- and we could offer a large flat for a family to share our home in exchange for help. I would never ever put the burden on my kids as my parents inadvertently did.

And if I got diagnosed with Alzheimers- I would take the EXIT before it is too late. NO WAY- having seen what happens next, this is not for me, NEVER.
BTW Today Only, my mil had asked us to kill her if she ever lost her marbles- but of course we couldn't when she did. What ensured over several years, was my worst idea of a nightmare, and hers- the poor poor woman. To expect your kids to kill you and face the Courts and a prison sentence, is just not acceptable- we are so privileged in CH that we have the EXIT option. So in my own home, with the necessary infrastructure and plenty of help- and only as long as- then out.

But we digress.
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  #85  
Old 14.11.2015, 10:53
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Re: Would you take a mortgage- to help you children?

I am only in my mid 30s, but I've already learnt never to say never!

We don't know what's waiting for us round the corner. So how we can make decisions set in stone now? I am all for planning, but I do leave space for change!
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  #86  
Old 14.11.2015, 11:21
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Re: Would you take a mortgage- to help you children?

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The biggest problem in the UK is the absolute obsession people have with owning their own property. Everyone is under such pressure when at the end of the day it's really not necessary to *own* your own house.
I call it 'British Isles disease'! Over and over again we have seen people ruined by this madness and yet the electorates in both states keep demanding their governments continue feeding the madness rather that come up with housing policies that does not rely on people taking on vast amounts of debt or social assistance to put a roof over their heads.

In Ireland people are still recovering from the last round, but they are already demanding that the central bank drop it's mortgage restrictions, 'cause people won't have a chance to own a house if they don't! You'd think after the complete hammering Ireland got in the recent recession people would start to question it, but no the obsession remains as strong as ever.

I also think it has a wider impact, it weakens the banking system as it result in loan books that are over weighted in property and reduces the amount of financing available to SMEs.
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  #87  
Old 14.11.2015, 14:05
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Re: Would you take a mortgage- to help you children?

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I am only in my mid 30s, but I've already learnt never to say never!

We don't know what's waiting for us round the corner. So how we can make decisions set in stone now? I am all for planning, but I do leave space for change!
Amen to that.
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  #88  
Old 14.11.2015, 14:12
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Re: Would you take a mortgage- to help you children?

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I am only in my mid 30s, but I've already learnt never to say never!

We don't know what's waiting for us round the corner. So how we can make decisions set in stone now? I am all for planning, but I do leave space for change!
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Amen to that.
Exactly my thoughts too.
Robert Burns?
But Mousie, thou art no thy-lane,
In proving foresight may be vain:
The best laid schemes o’ Mice an’ Men
Gang aft agley,
An’ lea’e us nought but grief an’ pain,
For promis’d joy!

Last edited by Longbyt; 14.11.2015 at 15:06.
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  #89  
Old 14.11.2015, 14:22
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Re: Would you take a mortgage- to help you children?

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Robert Burns?
But Mousie, thou art no thy-lane,
In proving foresight may be vain:
The best laid schemes o’ Mice an’ Men
Gang aft agley,
An’ lea’e us nought but grief an’ pain,
For promis’d joy!

Or:


The man o' independent mind
He looks an' laughs at a' that.


(But truth be told I was just trotting out my Chi-CAH-go-ese. We talks funny. )
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  #90  
Old 14.11.2015, 16:33
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Re: Would you take a mortgage- to help you children?

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I am only in my mid 30s, but I've already learnt never to say never!

We don't know what's waiting for us round the corner. So how we can make decisions set in stone now? I am all for planning, but I do leave space for change!
Well of course- I agree. But for now, this is how I look at the future- might even go back to UK to be near daughters and grandchildren, if I can't travel as often as I do now. But it is easier to 'plan' the basics when you are in your 60s and 70s- obviously. The way the law is at the moment- and it might change thanks to the hard work done by EXIT- someone who doesn't want to live the indignities and horrors of Alzheimers has no choice but to EXIT early in the diagnosis- a shame, as many years can be lived in a doolally but happy period of time, before true disaster strucks. I've seen too much to want this for myself- so an early EXIT it would have to be- family accepts my choice.
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  #91  
Old 14.11.2015, 17:05
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Re: Would you take a mortgage- to help you children?

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The way the law is at the moment- and it might change thanks to the hard work done by EXIT- someone who doesn't want to live the indignities and horrors of Alzheimers has no choice but to EXIT early in the diagnosis- a shame, as many years can be lived in a doolally but happy period of time, before true disaster strucks. I've seen too much to want this for myself- so an early EXIT it would have to be- family accepts my choice.
This would be my choice too, but one can hope that in the meantime a cure may be found for this terrible disease.
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  #92  
Old 14.11.2015, 17:27
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Re: Would you take a mortgage- to help you children?

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Exactly my thoughts too.
Robert Burns?
But Mousie, thou art no thy-lane,
In proving foresight may be vain:
The best laid schemes o’ Mice an’ Men
Gang aft agley,
An’ lea’e us nought but grief an’ pain,
For promis’d joy!
Ah all this time I was thinking of the future, but with this poem, you just dragged me back to the past .

The things one enjoyed when one was single and carefree
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  #93  
Old 14.11.2015, 17:36
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Re: Would you take a mortgage- to help you children?

And one of the things an oldie can really appreciate in modern technology. Half forgotten poems, pieces of music, who wrote what? all to be found At the Drop of a Hat - Flanders and Swan - off I go again...
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