Bad beat/Moaning/Venting thread - BabyforV

[LuckyLloyd]

http://www.youtube.com/watch?v=tUPPnVo0CII

[Guest]

It's an election stunt. It should never be allowed to happen. You wouldn't believe how many people have been living in houses without paying a single penny of their mortgage for years. Not months, years.

It's genuinely astounding.

I would believe it, I know a few, its fucking unreal and it gets pretty much no coverage in the media

[Lord Sir Banter]

I would believe it, I know a few, its fucking unreal and it gets pretty much no coverage in the media

Whats for lunch mate? Had Hungarian goulash me.

[Guest]

Whats for lunch mate? Had Hungarian goulash me.

Chana masala m8. Sliding into veggie-ism

[Hitchhiker's Guide To...]

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[Emmet]

Fairly certain I'm going to go through life not being able to tell the difference between fan and conventional ovens.

A bit of a ronseal question surely?

[Kayroo]

If you were to completely stop paying your mortgage in the morning how long would it take for you to be kicked out of the house.

Somewhere in the region of 18 months-2 years to get the repossession order. Order usually has a stay of 3-6 months and once that expires they have to send the sheriff out to seize the house which is normally done by appointment and that can take another 6-8 weeks once the Bank actually decide to take their house back.

At any point during this time you can try and reach an agreement with your Bank too. There are very few people who are having repossession orders given against them who are genuinely trying to engage with their lenders. It does happen but lenders want money, not property. They'd rather you paid something than them having to pay lawyers to recover a property and then go to the expense of selling it.

[Tar.Aldarion]

Chana masala m8. Sliding into veggie-ism

Oh god haven't had that in ages, will rectify shortly.

[Guest]

Oh god haven't had that in ages, will rectify shortly.

Ordered a load of spice mixes off greensaffron.com (some place in Cork) recently. You then use them in some really easy recipes ( lots of ginger and garlic) they have on the site. It's all nice but the red lentil Dahl and chana masala have been the standouts so far. Trying to cut back meat consumption to just quality stuff and less often

[AndyFatBastard]

As I understand it, the proposed measure is not going to award a free mortgage restructuring to people who could afford to pay if they were bothered. It's so hard to tell though, because we're reading journalistically spun reports on a politically spun announcement.

The spectrum of people who could afford to pay a restructured mortgage but are likely to become homeless if repossessed seems like it should be narrow enough to avoid obvious abuses. Am I not being cynical enough here?

[Guest]

http://irishmoralhazardorganisation.com/

From the pin,Could be worth a signature, it would be nice if this viewpoint got some airtime. If that David hall gets a platform then why shouldn't there be some balance

[Tar.Aldarion]

Ordered a load of spice mixes off greensaffron.com (some place in Cork) recently. You then use them in some really easy recipes ( lots of ginger and garlic) they have on the site. It's all nice but the red lentil Dahl and chana masala have been the standouts so far. Trying to cut back meat consumption to just quality stuff and less often

Ah love red lentil dahl, I buy 2kg bags of lentils from the asian supermarkets in town and make them into dahl, it's amazing stuff.

Will check out that site cheers.

[Emmet]

Tar, what kind of cheese substitutes can you eat?

Is there anything Halloumi/Paneer esque?

[Guest]

Ah love red lentil dahl, I buy 2kg bags of lentils from the asian supermarkets in town and make them into dahl, it's amazing stuff.

Will check out that site cheers.

Ah I'd say you can get the spices individually a lot cheaper elsewhere, it's just the convenience having it pre mixed, and the quality v what you get in a supermarket,which is what I'm restricted to

[Jam-Fly]

Good time to be graduating, hard to find decent candidates at the moment. What are you graduating in? Tech and business roles very hot right now.

that's encouraging to hear. Graduating with a BA in economics in sociology, looking to apply for business/finance type roles.

[Tar.Aldarion]

Tar, what kind of cheese substitutes can you eat?

Is there anything Halloumi/Paneer esque?

Hmm there are hundreds of fake cheeses, but I've never had something like halloumi. I'd probably have to look up a vegan halloumi recipe (making "cheese" is quite fun) or order from elsewhere in europe or the US for that. Hamlloumi has a great taste but it's easily replicated I'd say. Have had vegan paneer, tasted the same, was homemade by a dublin woman. never saw any for sale before. Govindas have replaced their paneer dishes with tofu, wouldn't really mind the difference tbh. I think the woman probably jsut copied a paneer recipe but curdled a milk alternative like soy milk instead.

Ah I'd say you can get the spices individually a lot cheaper elsewhere, it's just the convenience having it pre mixed, and the quality v what you get in a supermarket,which is what I'm restricted to

Ahh kk I get you, keep it up anyway, Indian food is amazing, here is some indian/chinese food I've made in recent times, nomnom. I recommend buying massaman curry paste and cooking it with coconut milk

SPOILER

[Keane]

As I understand it, the proposed measure is not going to award a free mortgage restructuring to people who could afford to pay if they were bothered. It's so hard to tell though, because we're reading journalistically spun reports on a politically spun announcement.

The spectrum of people who could afford to pay a restructured mortgage but are likely to become homeless if repossessed seems like it should be narrow enough to avoid obvious abuses. Am I not being cynical enough here?

This idea that there are 10s of thousands in a binary situation of keep house I can't afford vs be homeless is pretty laughable.

Everyone seems to be happy to tell young people with no part of the blame for the housing bubble to fuck off out to Kildare if they can't afford to rent in Ballsbridge. The people who actually made the stupid decisions to overborrow are going to be told we'll pay for you to stay in Ballsbridge while we sit in traffic on the Naas road every morning.

Surely, the people who are in houses they can't afford are just as capable of moving to somewhere they can afford to rent as I am?

[PortOfTheYokes]

Don't post here much but wondering is anyone up for playing astroturf in santry at 7. We're stuck for 2 people.

[shrapnel]

new alabama shakes album is out!!

[AndyFatBastard]

This idea that there are 10s of thousands in a binary situation of keep house I can't afford vs be homeless is pretty laughable.

Everyone seems to be happy to tell young people with no part of the blame for the housing bubble to fuck off out to Kildare if they can't afford to rent in Ballsbridge. The people who actually made the stupid decisions to overborrow are going to be told we'll pay for you to stay in Ballsbridge while we sit in traffic on the Naas road every morning.

Surely, the people who are in houses they can't afford are just as capable of moving to somewhere they can afford to rent as I am?

You seem to be under the delusion that fairness is a relevant factor in this.

[CHDad]

You seem to be under the delusion that fairness is a relevant factor in this.

Still waiting on your next sausages sambo trip report m8.

[Keane]

You seem to be under the delusion that fairness is a relevant factor in this.

This may be the water charges of the (actual) working classes, who knows!

Anyway, the point I wanted to get across was that I personally don't give a shit - couldn't give less of a shit in fact - about whether someone isn't paying their mortgage because they won't vs isn't paying their mortgage because they can't.

In either case they should be told shag off out of the house and rent somewhere you can afford like the rest of us chumps.

[Strewelpeter]

I saw a spot last week where a rent to buy mortgage was repossessed from the holder. House has a sitting tenant living there and paying rent (which was more than the mortgage ) and the bank are fucking them out on their ear.

They would rather have vacant possession of a house that is 70% + likely be sold to another landlord... words fail me for the sheer stupidity of everyone involved except of course for the unfortunate tenant who has no choice but to move.

[Raoul Duke III]

lol England. Getting stuffed by a crap Windies side.

bodes well for Malahide in a few weeks

[Emmet]

I saw a spot last week where a rent to buy mortgage was repossessed from the holder. House has a sitting tenant living there and paying rent (which was more than the mortgage ) and the bank are fucking them out on their ear.

They would rather have vacant possession of a house that is 70% + likely be sold to another landlord... words fail me for the sheer stupidity of everyone involved except of course for the unfortunate tenant who has no choice but to move.

eh. A lot of things not right about this SP. You sure you're sure?

[mdoug]

This picture doing the rounds at the moment. One for you Maths lovers.




I did the solution myself and then looked at the answer and disagree with it so I don't think I have my head wrapped around it fully or else I am a genius :P.


I think Bernard definitely knows but Albert can still have a 1/3 shot because Bernard doesn't say that Albert should know too.
Anyway, enjoy the mindfuck that is this question

[Lord Sir Banter]

I don't like cricket. I enjoy it.

[Lord Sir Banter]

Cheryl sounds like an annoying cunt.

[Denny Crane]

This may be the water charges of the (actual) working classes, who knows!

They're all too busy working to agitate; probably the only group without their own lobby.

[mdoug]

Cheryl sounds like an annoying cunt.

Bit high maintenance alright.

[Emmet]

Cheryl sounds like an annoying cunt.

Tugging on the lads heart strings

[Zod]

Cheryl can get up the yard.

[Guest]

SPOILER

May 19th?

Or is that wayyyyy tooo easy an answer and I've flagged my self as "special"?

[ArmaniJeans]

SPOILER

May 19th?

Or is that wayyyyy tooo easy an answer and I've flagged my self as "special"?

Yep, special.
It can't be 19th because in his first statement Albert says he knows that Bernard doesn't know, hence he knows Bernard can't have been told 18 or 19 (the only unique numbers).
Which means Albert must have been told July or August (and now it gets trickier).

[Guest]

Yep, special.
It can't be 19th because in his first statement Albert says he knows that Bernard doesn't know, hence he knows Bernard can't have been told 18 or 19 (the only unique numbers).
Which means Albert must have been told July or August (and now it gets trickier).

AAAAhhhh I read it as Albert spoke before bucko was told his info

I therfore agree with Rigger and Zod

[Kayroo]

I saw a spot last week where a rent to buy mortgage was repossessed from the holder. House has a sitting tenant living there and paying rent (which was more than the mortgage ) and the bank are fucking them out on their ear.

They would rather have vacant possession of a house that is 70% + likely be sold to another landlord... words fail me for the sheer stupidity of everyone involved except of course for the unfortunate tenant who has no choice but to move.

Let me rephrase this post for you:

The bank had a mortgagor who refused to pay his mortgage despite clearly receiving sufficient rental income to do so and, rather than letting the arrears accrue to the point of stupidity, sought an order for possession of the property so they could cut their losses.

The tenant wasn't doing anything wrong but people lose their tenancies all the time. The bank weren't seeing any of that rental money so why shouldn't they proceed to repossess and sell so they can get some of the money back?

[Denny Crane]

That took longer than it should have

SPOILER

Jul 16

[Denny Crane]

Yep, special.
It can't be 19th because in his first statement Albert says he knows that Bernard doesn't know, hence he knows Bernard can't have been told 18 or 19 (the only unique numbers).
Which means Albert must have been told July or August (and now it gets trickier).

Yeah that's the easy part

SPOILER

Ruling out 14th then otherwise Bernard still wouldn't know.

SPOILER

Was stuck on the last three left, but finally ruled out Aug otherwise Albert wouldn't know

[mdoug]

That took longer than it should have

SPOILER

Jul 16

Can you see how Albert knows though?

I can totally see the logic behind Bernard but I think Albert is being a presumptuous chap and has a 1/3 shot

[pokerhand]

That took longer than it should have

SPOILER

Jul 16

Same here... Cheryl is a bitch, they shouldn't get her anything for her birthday

[Denny Crane]

Can you see how Albert knows though?

I can totally see the logic behind Bernard but I think Albert is being a presumptuous chap and has a 1/3 shot

SPOILER

He knows the month. Bernard has ruled out the 14th for him

[mdoug]

SPOILER

He knows the month. Bernard has ruled out the 14th for him

SPOILER

So Bernard has the date and Albert has the month.
3 dates are left: August 15th, July 16th and August 17th. Bernard knows what date it is so it could easily be August 15/17th and Bernard would still know the answer from what Albert said. No?
I mean Bernard 100% knows the answer but that could still be any of those 3. If he said, I know the answer and Albert should know the answer then I'd say July 16th 100% right but now I can't!!!
I feel dumb haha

[pokerhand]

Can you see how Albert knows though?

I can totally see the logic behind Bernard but I think Albert is being a presumptuous chap and has a 1/3 shot

He knew the month and that it had no unique dates in it and therefore Bernard couldn't know the date.... Then it is a matter of elimination

[Strewelpeter]

Let me rephrase this post for you:

The bank had a mortgagor who refused to pay his mortgage despite clearly receiving sufficient rental income to do so and, rather than letting the arrears accrue to the point of stupidity, sought an order for possession of the property so they could cut their losses.

The tenant wasn't doing anything wrong but people lose their tenancies all the time. The bank weren't seeing any of that rental money so why shouldn't they proceed to repossess and sell so they can get some of the money back?

Yea but the Bank could still sell it with the tenant in place and continue to collect the rent while selling it... I suppose that wouldn't make sense for them with the market as it is compared to a couple of years when Tenants were hard to find.

[Denny Crane]

SPOILER

So Bernard has the date and Albert has the month.
3 dates are left: August 15th, July 16th and August 17th. Bernard knows what date it is so it could easily be August 15/17th and Bernard would still know the answer from what Albert said. No?
I mean Bernard 100% knows the answer but that could still be any of those 3. If he said, I know the answer and Albert should know the answer then I'd say July 16th 100% right but now I can't!!!
I feel dumb haha

SPOILER

Albert knows it's July!

[mdoug]

SPOILER

Albert knows it's July!

SPOILER

fml.
Really overthought that and missed the super simple thing.
yup, fml. Ty, was bugging me

[Kayroo]

Yea but the Bank could still sell it with the tenant in place and continue to collect the rent while selling it... I suppose that wouldn't make sense for them with the market as it is compared to a couple of years when Tenants were hard to find.

Also selling a house after a court order is hard enough as it is. With a tenant in place it limits the market dramatically and buyers will know that. That means the sale price is lower than it should be and since we have recourse mortgages the mortgagor will be left on the hook for the remaining balance of the mortgage.

[DeadParrot]

http://www.youtube.com/watch?v=pWdKf3MneyI&feature=youtu.be

oh yes

[Strewelpeter]

Also selling a house after a court order is hard enough as it is. With a tenant in place it limits the market dramatically and buyers will know that. That means the sale price is lower than it should be and since we have recourse mortgages the mortgagor will be left on the hook for the remaining balance of the mortgage.

Indeed thats all true.
When I heard about it , from the tenant's (who doesn't want to move ) pov, I was putting it in the context of the market of a few years ago when there was little or no hope of either selling or finding another tenant.

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[Guest]

Just listening to David hall on Matt Cooper. Scumbag. Anyone ever play omaha with him? Was he cool with people binning chips?

[tylerdurden94]

Recommendations on a nice restaurant to grab a bite to eat tomorrow around before heading to the Bord Gais theatre, plates are a must Megatron

Edit - somewhere nice in town as we've decided to head in a little earlier so as to have a few more options.

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[rounders123]

Pizza E Porchetta, Grand canal dock.

[Guest]

Just listening to David hall on Matt Cooper. Scumbag. Anyone ever play omaha with him? Was he cool with people binning chips?

Played thursday night with him.
Bad beat joe and him are in a pot 25 pre 5 callers.
910J flop 2 hearts. Dave leads 125 joe raises get it all in 1100 each.
Run it twice bad beat has aj7 nut hearts and and Dave 2 pair j 9 and hearts running 10s for first pot
heart on turn for second joe scoops.
Hope this makes you feel better.

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[rounders123]

You mean this one, now renamed Osteria Lucio? Yeah, actually thats a vastly better suggestion than mine. Was just thinking the other day of going back there.

Oh its Osteria Lucio now is it?. Still the same owners i wonder.
Edit: seen the website its the same team alright.

[tylerdurden94]

The Chinese there is highly decent for a Chinese despite not looking up to much. The French place right beside the theatre does very nice pizza. Pity Ely is now gone.

I'll leave it to others to note the relative merits of the non-cutprice options

Pizza E Porchetta, Grand canal dock.

Not confined to around the theatre, gonna head into town a little earlier thus giving us more options, opinions still greatly appreciated for locations in town.

[Gholimoli]

easy...

SPOILER

August 17th .

here is why.

SPOILER

first Albert says he doesn't know but neither does Bernard.

by process of elimination we can eliminate May19 and June 18 because those are the only two dates that are not repeated so
with Bernard knowing the date ,he would have known the whole thing.

Albert still doesn't know the full date so it can't be June 17th either because after June 18th eliminated then June 17th would
be the only date in June and Albert would therefor have known.

when Albert says i don't know then Bern figures out it's not June 17th cuz otherwise Albert would have known.
it is after this that Bern says "i didn't know but i know now" .

the only way for this to happen is if the number Bern has is 17 but there were two of them so he didn't know before June 17th was eliminated
and that only happened with Albert's comment.

after Bern says "i know now" then Albert goes through the above process and finds out the full date.
your welcome
.

[Gholimoli]

That took longer than it should have

SPOILER

Jul 16

SPOILER

pretty sure this is wrong .
after all the eliminations he still has two dates with 16 left and one with 17 so the date has to be 17.