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Originally posted by Denny Crane View PostPeeked in the window of an estate agent the other day and 300k wouldn't even get you a hovel tbh.
1,500 results on Daft (search criteria max 3 beds, max price 300k) although I did remove the word 'hovel'.
So if you pony up 50k of a deposit - a couple with ~70k income could buy one of these. Supply increases (new builds, NAMA stock, repossessions) plus proper mortgage regulation like the 20% deposit limit should keep this 300k bracket fairly constant. This is a good thing and FTBs arguing against it are actually working againat their own self-interest.
Or you could move to Leitrim and buy a 6 bed McMansion."We are not Europeans. Those people on the continent are freaks."
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Originally posted by Raoul Duke III View PostShirley you would get a 3 bed starter home in a starter suburb for that?
1,500 results on Daft (search criteria max 3 beds, max price 300k) although I did remove the word 'hovel'.
So if you pony up 50k of a deposit - a couple with ~70k income could buy one of these. Supply increases (new builds, NAMA stock, repossessions) plus proper mortgage regulation like the 20% deposit limit should keep this 300k bracket fairly constant. This is a good thing and FTBs arguing against it are actually working againat their own self-interest.
Or you could move to Leitrim and buy a 6 bed McMansion.
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Originally posted by elbows View PostI have a couple of trackers with Certus. 25 years left. What would be the % cash figure to buy out the mortgage or would they even entertain it. (both properties are not in negative equity)X can be anything, any number, that is what’s CRAZY about X.
Because X doesn’t roll like that, because X can’t be pinned down!
$ Free Travel Credit with Airbnb $
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Originally posted by Raoul Duke III View PostShirley you would get a 3 bed starter home in a starter suburb for that?
1,500 results on Daft (search criteria max 3 beds, max price 300k) although I did remove the word 'hovel'.
So if you pony up 50k of a deposit - a couple with ~70k income could buy one of these. Supply increases (new builds, NAMA stock, repossessions) plus proper mortgage regulation like the 20% deposit limit should keep this 300k bracket fairly constant. This is a good thing and FTBs arguing against it are actually working againat their own self-interest.
Or you could move to Leitrim and buy a 6 bed McMansion.
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Originally posted by Dice75 View PostThe younger crowd are more of a "I want what I want now type" in life these days from what I see.
I'm guessing none of these informed commentators have read this:
http://www.centralbank.ie/regulation/po ... ending.pdf
Hmmm, that didn't work.search for CP87 on the CBI website.Last edited by Raoul Duke III; 27-01-15, 21:12."We are not Europeans. Those people on the continent are freaks."
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Originally posted by Raoul Duke III View PostShirley you would get a 3 bed starter home in a starter suburb for that?
1,500 results on Daft (search criteria max 3 beds, max price 300k) although I did remove the word 'hovel'.
So if you pony up 50k of a deposit - a couple with ~70k income could buy one of these. Supply increases (new builds, NAMA stock, repossessions) plus proper mortgage regulation like the 20% deposit limit should keep this 300k bracket fairly constant. This is a good thing and FTBs arguing against it are actually working againat their own self-interest.
Or you could move to Leitrim and buy a 6 bed McMansion.
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Originally posted by Denny Crane View Post"We are not Europeans. Those people on the continent are freaks."
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Originally posted by Raoul Duke III View PostThat is a starter house for sure (was expecting something terrible). It's on the Luas too. You would have to spend a few quid modernising.
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Originally posted by MrsFlushdraw View Post
Edit to add: With it's D1 ber, you'd probably pay 5k a year to try and fail to keep it heated...Last edited by Lord Sir Banter; 27-01-15, 21:23.X can be anything, any number, that is what’s CRAZY about X.
Because X doesn’t roll like that, because X can’t be pinned down!
$ Free Travel Credit with Airbnb $
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Originally posted by Raoul Duke III View PostThat is a starter house for sure (was expecting something terrible). It's on the Luas too. You would have to spend a few quid modernising.
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Originally posted by MrsFlushdraw View Post
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Originally posted by Denny Crane View PostThat was just the first one on the list, just can't see the appeal of saving up and taking on 25 years of debt for that.
What do you think you should be able to buy as a FTB?"We are not Europeans. Those people on the continent are freaks."
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Originally posted by tylerdurden94 View PostBeen meaning to venture into the place, drop me a line next time you're rolling in.I hold silver in tit for tat, and I love you for that
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Originally posted by Raoul Duke III View PostSo don't. That's the market though. You could move out to the exurbs and buy something bigger.
What do you think you should be able to buy as a FTB?X can be anything, any number, that is what’s CRAZY about X.
Because X doesn’t roll like that, because X can’t be pinned down!
$ Free Travel Credit with Airbnb $
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Originally posted by MrsFlushdraw View Post
Her sky-ness
© 5starpool
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Couples on €70k combined, without kids and intent on buying, should be saving €10k/year for their deposit, at the minimum. Its not impossible... It's not even that hard to be honest! A few years saving = your deposit for a starter home. Never had kids so am guessing its hard to save with them, but childless couples will always have the financial advantage here unfortunately.
I'm most likely buying in Dublin this year, happy these measures have come in, would've suited us if they were more stringent to be honest.
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Originally posted by Lord Sir Business View PostYou sound a bit bitters mate."We are not Europeans. Those people on the continent are freaks."
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Proper rent to buy schemes.X can be anything, any number, that is what’s CRAZY about X.
Because X doesn’t roll like that, because X can’t be pinned down!
$ Free Travel Credit with Airbnb $
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Originally posted by Raoul Duke III View PostShirley you would get a 3 bed starter home in a starter suburb for that?
...
Or you could move to Leitrim and buy a 6 bed McMansion.Turning millions into thousands
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Originally posted by Strewelpeter View PostThis is all a dastardly conspiracy to overpopulate rural Ireland with tens of thousands of Anto's and Deco's seeking asylum from darkest Dublin and replace them with the cream of the country.
NAZI Conspirator : How many syllables in the word 'HOME'
Anto : TWO
NAZI Conspirator : Get on the fucking train
(for the day that's in it)
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Originally posted by KevIRL View PostLolgerrard should have got the line there
FYP
as seen on twitter
One more Costa stamp and Liverpool get a free medium Cappuccino.Last edited by SonofSolsks; 27-01-15, 22:06.
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Originally posted by KevIRL View PostLol gerrard should have got the line there
They are a hilarious bunch.
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Originally posted by CHD View PostThey should be down to 8. Conceded two penos. Getting away with loads but all the liverpool fans across the net are saying Chelsea should be down to 9, Costa is worse than Suarez, Chelsea are terrible.
They are a hilarious bunch.
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Originally posted by Strewelpeter View PostLOL at that fucking fool of an oul wan on the Quinn Prime Time story going on about 'Our' glass factory
Ah sure all is forgiven Sean,we'll sneak you in the backdoor & you can tip away in the background till this blows over.
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Originally posted by CHD View PostThey should be down to 8. Conceded two penos. Getting away with loads but all the liverpool fans across the net are saying Chelsea should be down to 9, Costa is worse than Suarez, Chelsea are terrible.
They are a hilarious bunch.
Stop pretending the world is against poor little Chelsea.
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Originally posted by KevIRL View PostChances of a Costa ban for the stamps?
He could easily have been booked twice. Needs to calm the fuck down and go back to winding people up like earlier in the season.
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Originally posted by 5starpool View PostAs I said elsewhere, 99% of football fans are hypocrites, including you and probably me too.
Stop pretending the world is against poor little Chelsea.
Chelsea have been robbed of penalties and frees all season, this is well known. Liverpool should have been down to 9 and us 10. Costa is a dirty lunatic. You are right about most fans, rarely includes me
Liverpool fans go on like they are persecuted worse than black people in 1800s America.
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Originally posted by CHD View PostThey should be down to 8. Conceded two penos. Getting away with loads but all the liverpool fans across the net are saying Chelsea should be down to 9, Costa is worse than Suarez, Chelsea are terrible.
They are a hilarious bunch.
Whereas Suarez for long periods is an easy going mind-his-own-business kind of player (ignoring the 3 biting incidents obviously!)
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Originally posted by careca View PostLiverpool need to get dirty, far too nice.
When Gerrard and Costa tangled, Skyrtel should go straight through the back of Costa next ball. you can be sure Roy Keane would have.
Hazard top top class though. only difference.
Eng teams won't win a CL for about 10 years.
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Originally posted by HiCloy View PostThe deposit part is likely to restrict more people, although this should have more of a long term calming affect.
Means 1x 30k income can buy a €116k house, €60k can buy €233k house. You can still buy a house in either case, but are very limited in where and how big
Originally posted by shano1888 View PostFairly difficult for a couple on that money to get 50k together if they are living in the real world. I accept its probably still a good thing though.
I don't get the obsession with buying anyway unless you are in a particularly settled circumstance.
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Originally posted by KevIRL View Post
Where did all those Livestrong fanboys go anyway?"We are not Europeans. Those people on the continent are freaks."
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Originally posted by ArmaniJeans View PostIn fairness Costa is worse in some ways as it seems to be a constant scowling niggling battle against the world every single game - 8 yellow cards for a forward by January is fairly incredible.
Whereas Suarez for long periods is an easy going mind-his-own-business kind of player (ignoring the 3 biting incidents obviously!)
Persistent fouling and getting stuck in doesn't really compare to biting, spitting and abusing people.
The stamp tonight was sly though.
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Greece's new finance minister Yanis Varoufakis is Valve's former Steam Market economist
(Steam market is a virtual gaming item trading economy)
Three years ago Valve hired Yanis Varoufakis to oversee the Steam Market, now he's in charge of Greece's economy.
tesla's new insane mode
With a hidden camera installed, Brooks Weisblat takes unsuspecting riders for an "Insane" ride in the Tesla Model S P85D.Tesla Referral Code: http://ts.la/br...
check out the falling electronics in the last clip, shows the force as it falls so slowly.
Electric cars are so good off the line.Last edited by Tar.Aldarion; 27-01-15, 22:55.
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Originally posted by MrsFlushdraw View PostThe one in Dublin for 300k is BER F!X can be anything, any number, that is what’s CRAZY about X.
Because X doesn’t roll like that, because X can’t be pinned down!
$ Free Travel Credit with Airbnb $
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Just watched Whiplash - very enjoyable.
Might watch American Sniper or Inherent Vice tomorrow night.
Barely watched 20 new movies all of last year.
Already on 6 for 2015His rival it seems, had broken his dreams,By stealing the girl of his fancy.Her name was Magill, and she called herself Lil,But everyone knew her as Nancy.
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Originally posted by ArmaniJeans View PostIn fairness Costa is worse in some ways as it seems to be a constant scowling niggling battle against the world every single game - 8 yellow cards for a forward by January is fairly incredible.
Whereas Suarez for long periods is an easy going mind-his-own-business kind of player (ignoring the 3 biting incidents obviously!)
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Originally posted by HiCloy View PostMeans 1x 30k income can buy a €116k house, €60k can buy €233k house. You can still buy a house in either case, but are very limited in where and how big
A sole income of 30k isn't really adequate to take on a 300k+ house.
Originally posted by thechamp87 View PostRe: Hotspur's reply above, again obviously in that case the couple can buy a place for €300k but I've looked recently and haven't seen a house I'd like for €300k. What if you're single? You essentially can't buy a house unless you earn 3x or 4x the national average or something.
My granny died last year and her house is on the market at the moment for ~€900k in Churchtown. It's not a particularly big house and hasn't been touched since it was built in the mid-90s so probably needs ~€100k of work. A couple earning €200k between them, a huge ask and very rare, couldn't buy that house unless they had a huge deposit sitting in cash.
FWIW, a couple earning 200k maxes out at borrowing 700k, and the min deposit means that they can go as high as 818k. And tbh if they didn't have a lot more than 100k in equity/savings then they shouldn't be looking anywhere near a 900k house.
Originally posted by ionapaul View PostCouples on €70k combined, without kids and intent on buying, should be saving €10k/year for their deposit, at the minimum. Its not impossible... It's not even that hard to be honest! A few years saving = your deposit for a starter home. Never had kids so am guessing its hard to save with them, but childless couples will always have the financial advantage here unfortunately.
Planning on buying this year. Saving is easy. But sydney house prices are crazy
A 1 or 1.5 bed apartment in Sydney's east is look like $550k (375k euro)
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Originally posted by Mellor View PostWhat would the national average be these days?)"We are not Europeans. Those people on the continent are freaks."
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So if you have nothing better to do there is a very long Property Pin thread on this topic of LTIs and LTVs (and how the former, despite what the media would have you bel8eve, is actually more important).
Be warned: lots of 'told you so' but I guess they are entitled.
"We are not Europeans. Those people on the continent are freaks."
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Is that not intuitive? Your ability to pay >>>> whatever valuation has been put on your PDH.
My point was just questioning the sanity of Mr and Mrs 70k using their savings and several years gross salary to buy a 'two up two down' in Dublin 8. When for the 1.4k pm they could rent a decent apartment in town. Obv they're missing out on 'getting on the ladder' and having a 'starter home' but they're also missing out on the commute and buying a big illiquid asset in a deflationary cycle.
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Originally posted by Denny Crane View PostIs that not intuitive? Your ability to pay >>>> whatever valuation has been put on your PDH.
My point was just questioning the sanity of Mr and Mrs 70k using their savings and several years gross salary to buy a 'two up two down' in Dublin 8. When for the 1.4k pm they could rent a decent apartment in town. Obv they're missing out on 'getting on the ladder' and having a 'starter home' but they're also missing out on the commute and buying a big illiquid asset in a deflationary cycle.
It's sad really but if you take as independent and individualised perspective as possible it does result in greater life utility results for you at the expense of other people's sub optimal choices.
I advised a guy yesterday earning ~350k pa. His life quality is very poor and he's working for a mega mortgage. You'd have to question his priorities imo.‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
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Originally posted by V for Vendetta View PostI advised a guy yesterday earning ~350k pa. His life quality is very poor and he's working for a mega mortgage. You'd have to question his priorities imo.
A fraction of that is needed for decent quality of life. I suppose the majority of it is fueling a house that he is supposed to live in according to his salary.
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I suppose he loses more than half to tax, 10% to 20% in pension, and if he has a mortgage based on 3.5 gross that probably takes the rest (probably private school and car to pay for too)Last edited by Denny Crane; 28-01-15, 10:52.
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Originally posted by V for Vendetta View PostIt's all about lifestyle choices. The obvious point is that a lot of people don't stop to think about their priorities in life and instead live their lives through the lens of "what everyone else is doing" or "what's expected at our age/status/life stage".
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Guest
Originally posted by Denny Crane View PostNo house, no mortgage, no children, no car. I should probably just retire now with my lack of financial commitments!
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Originally posted by Mellor View PostThat's crazy. He must be incredibly bad his money, and choices in general.
A fraction of that is needed for decent quality of life. I suppose the majority of it is fueling a house that he is supposed to live in according to his salary.
He has two very intense jobs that he clearly loves. I'd say he works 65-70 hours a week and spends too long commuting to a mansion that he just about manages to sleep in.
It's crazy to most peoples eyes and it's not a choice I'd make but it's what it generally takes to be at the top end of earnings etc. His motivations probably revolve around ego and wanting to feel important/respected in life and in work which for him are probably intimately entwined.
He's got enough respect for himself that he's willing to pay for top shelf advice from an adviser with an impactful tie anyway!!‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
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