Originally posted by Lazare
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Been meaning to venture into the place, drop me a line next time you're rolling in."you raise, i kill you" El Tren :{) -
Shirley you would get a 3 bed starter home in a starter suburb for that?Originally posted by Denny Crane View Post
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."Comment
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It was a shocking attempt by Can to trip Costa up. Should be looked at retroactively and a ban dished out.Originally posted by 5starpool View PostComment
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The younger crowd are more of a "I want what I want now type" in life these days from what I see.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.Comment
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nriyhOriginally posted by elbows View PostX 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 $Comment
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Fairly 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.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.Comment
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It's a bit concerning that 99% of media coverage in relation to the guidelines is in the tone of "it's so unfair!"Originally posted by Dice75 View Post
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."Comment
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Where do I sign up?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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That 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.Originally posted by Denny Crane View Post"We are not Europeans. Those people on the continent are freaks."Comment
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Are your ~70k couple who pumped their souls into their new home going to be happy with this? Why do people grind it out in dublin? Get it if you are flush but seriously!Originally posted by Raoul Duke III View PostComment
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It's in Donegal.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 $Comment
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That 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.Originally posted by Raoul Duke III View PostComment
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Alaska, Lapland, Donegal, all bargain houses to be had for sure.Originally posted by MrsFlushdraw View PostComment
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So don't. That's the market though. You could move out to the exurbs and buy something bigger.Originally posted by Denny Crane View Post
What do you think you should be able to buy as a FTB?"We are not Europeans. Those people on the continent are freaks."Comment
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Will do Danny, this is on the last Tue of every month, gonna try make it each month, I'll give you a whistle next time dude.Originally posted by tylerdurden94 View PostI hold silver in tit for tat, and I love you for thatComment
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You sound a bit bitters mate.Originally posted by Raoul Duke III View PostX 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 $Comment
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One could move up the road from me in the very sought after Forest Park for a mere 178 kOriginally posted by MrsFlushdraw View Post
Her sky-ness
© 5starpoolComment
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Just commenting on the sheer lunacy of it. Have never had any interest in buying.Originally posted by Raoul Duke III View PostComment
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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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Not at all. The fallacy that you could have, in fact deserved the 'house of your dreams' during the bubble was a major contributing factor to the fuck-up that was the noughties in Ireland. So it's a bit disturbing to see intimations of same creeping back in.Originally posted by Lord Sir Business View Post"We are not Europeans. Those people on the continent are freaks."Comment
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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 $Comment
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This 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.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 thousandsComment
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Originally posted by Strewelpeter View Post
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)Comment
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Lol gerrard should have got the line thereComment
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Originally posted by KevIRL View Post
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.Comment
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The one in Dublin for 300k is BER F!Originally posted by Lord Sir Business View PostIt's in Donegal.
Edit to add: With it's D1 ber, you'd probably pay 5k a year to try and fail to keep it heated...Comment
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LOL at that fucking fool of an oul wan on the Quinn Prime Time story going on about 'Our' glass factory
Turning millions into thousandsComment
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They 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.Originally posted by KevIRL View Post
They are a hilarious bunch.Comment
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Was loling at that myself, they have drank some serious Kool aid up there.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.Comment
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As I said elsewhere, 99% of football fans are hypocrites, including you and probably me too.Originally posted by CHD View Post
Stop pretending the world is against poor little Chelsea.Comment
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Small chance but ref only books him if he sees it imo. Executed perfectly. Second wasn't a stamp was it? Will look for a gif.Originally posted by KevIRL View Post
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.Comment
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I don't pretend the world is against Chelsea but making things up is always a great way to make up a point/response.Originally posted by 5starpool View Post
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.Comment
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Liverpool 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.Comment
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In 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.Originally posted by CHD View Post
Whereas Suarez for long periods is an easy going mind-his-own-business kind of player (ignoring the 3 biting incidents obviously!)Comment
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Jose will win at least one with Chelsea in the next 5 years and English teams will be money powerhouses from now on. Just need to stop signing players that don't suit their style of football.Originally posted by careca View PostComment
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This is silly also because it is taking gross? Taking standard gross/net with no deductions the 60k person would get 60% more, not 100% more than the 30k person.Originally posted by HiCloy View Post
It would be trivial to get 50k together on 2x35k salaries tbh, a couple of years. If people want something they save for it. Sure you cut back but if you want to buy a house you have to.Originally posted by shano1888 View Post
I don't get the obsession with buying anyway unless you are in a particularly settled circumstance.
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He's a victim. Of himself.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."Comment
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He can be dirty but he has played alot of minutes. Has a role different to alot of forwards too.Originally posted by ArmaniJeans View Post
Persistent fouling and getting stuck in doesn't really compare to biting, spitting and abusing people.
The stamp tonight was sly though.Comment
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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)
tesla's new insane mode
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.Comment
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And a grand starter home apparently.Originally posted by MrsFlushdraw View Post
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 $Comment
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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.Comment
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cunts chelsea fucking cuntsComment
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100k is around 400k total. That all sounds pretty reasonable to me.Originally posted by HiCloy View Post
A sole income of 30k isn't really adequate to take on a 300k+ house.
What would the national average be these days?Originally posted by thechamp87 View Post
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.
+1 to all of that.Originally posted by ionapaul View Post
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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National average is as meaningless in Ireland as it is in Australia. If you had 50k in cash and knew the right people (local bank manager, local auctioneer) you could pick up a grand house in the sticks. There's empty new builds all over the country.Originally posted by Mellor View Post"We are not Europeans. Those people on the continent are freaks."Comment
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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."Comment
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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.Comment
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It'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".Originally posted by Denny Crane View Post
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 KhanComment
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That's crazy. He must be incredibly bad his money, and choices in general.Originally posted by V for Vendetta View Post
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.Comment
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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.Comment
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No house, no mortgage, no children, no car. I should probably just retire now with my lack of financial commitments!Originally posted by V for Vendetta View PostComment
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He's not necessarily bad with money at all. In fact he was pretty sharp on that side of things.Originally posted by Mellor View Post
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 KhanComment
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