Bad beat/Moaning/Venting thread - Wordle Gummidge

[Keane]

We're at the stage where the lender are doing 'final checks' before drawdown having had all of the documentation for the guts of a week already. I fully expect that process to end on Tuesday, the day after another rate increase comes into effect

[Denny Crane]

Getting loads of this kinda shite in random casual chat lately:
"........the health service is broken because of all the foreigners we are letting in".
"....... there is a housing crisis because of all the foreigners in the country."
"...... loads of crime and robberies now because of all the foreigners".
"....... [insert problem here] is because of all the bloody foreigners".

What's the best way to respond to this casual racism?

I was out with someone at the weekend who isn't from Ireland. Moved here about ten years ago. And they went on a long monologue about how Ireland needs to set a cap on people coming into the country in line with our housing situation (and it's the second time I've heard this speech from her ). I wasn't sure where to start so just didn't say anything and moved on to something else.

[coillcam]

I find the amount of time that is wasted discussing transfer fees, agents, wages, debt in soccer is mind numbing.
It just makes the US salary cap model & draft model especially in basketball so much more superior as a spectacle.

Watching teams figure out how they can manipulate caps & contracts and make trades, the subsequent grading of trades remains really interesting without all the negative financial discussion that revolve around soccer.

I understand it’s not apples to apples but I’d imagine that people would find that particular aspect of the NBA to be objectively more interesting than the model in soccer.

I really like the draft and salary cap model. The whole environment in feeds into it though, from shool -> college -> pro. Being USA only sports/leagues makes it possible.

Soccer being global makes it more difficult to manage in the same way, that's not to say it shouldn't more controlled or regulated. I think we'd all enjoy a bit more chat about the game rather than debt and money pumped into clubs.

[Murdrum]

All this shed talk has me feeling left out. Despite Tar's escapades I've started looking myself.

How active is the market? I'm guessing if X is your budget you're probably looking at listings that are 20% below that?

Is it worth looking outside daft. Is there a possibility that less-online sellers might not be listed there?

I think Hitch recommended Terry Gorry's book. Is that worth reading?

Estimated 2% inflation in house prices for 2023. Significant slowdown. Lots of landlords exiting the market, apparently 40% of house sales were as a result of that.

Not sure how acute the slowdown is or will become but using a sample of 1; I’m told our neighbour(most direct comparison to our house) had an offer for 3% above asking back in Oct/Nov, decided to wait, offer gone and has recently sold for 3% below asking.

[Hitchhiker's Guide To...]

All this shed talk has me feeling left out. Despite Tar's escapades I've started looking myself.

How active is the market? I'm guessing if X is your budget you're probably looking at listings that are 20% below that?

Is it worth looking outside daft. Is there a possibility that less-online sellers might not be listed there?

I think Hitch recommended Terry Gorry's book. Is that worth reading?

ah its very basic, I just liked it anyway. not sure I learned anything from it

[Hitchhiker's Guide To...]

We seem to be looking at, at best, stable house prices. I suppose the big thing is where you are looking. If its a decent enough area of Dublin, then there's simply enough income being earned out there that decent area prices are unlikely to fall. As Terry Gorry mentioned about the old adage: 'buy the best house you can afford in the best area, but even a bad house in a good area is better than a good house in a bad area.', or something along those lines anyway.

[Denny Crane]

We seem to be looking at, at best, stable house prices. I suppose the big thing is where you are looking. If its a decent enough area of Dublin, then there's simply enough income being earned out there that decent area prices are unlikely to fall. As Terry Gorry mentioned about the old adage: 'buy the best house you can afford in the best area, but even a bad house in a good area is better than a good house in a bad area.', or something along those lines anyway.

Are things not changing quickly on that front? Ranelagh was a bad area until it wasn't, and then it was Stoneybatter, Inchicore etc.

I'd just be looking for somewhere convenient and ideally somewhere where when you say the address an older person would wince

[Tar.Aldarion]

All this shed talk has me feeling left out. Despite Tar's escapades I've started looking myself.

How active is the market? I'm guessing if X is your budget you're probably looking at listings that are 20% below that?

Is it worth looking outside daft. Is there a possibility that less-online sellers might not be listed there?

I think Hitch recommended Terry Gorry's book. Is that worth reading?

Despite my escapades having a place that is 4 times bigger and not paying rent is pretty great, good luck.
Market has slowed down a bit, supply rose with a lot of LL's selling. The rising interest rates make it harder for people to get their max loan amount but at the same time the basic lending rule going from 3.5x to 4x this month will expand what non struggling people can get too. Banks are currently refusing drawdowns for tech workers sometimes as the underwriters are saying the market is too volatile, which would be a lot of the high earners but I'm sure people will get around that with letters from their work or whatever. There is inflation in construction costs and that's causing a slowdown of building things afaik, so as you can see the factors are all over the place. I'd say especially for houses that need work that massive overbidding will be less of a thing for now, while turn key houses probably still command a premium, mine was 100k over but I'd be surprised if it was still as bad. Apart from daft or myhome, you'd probably need some local knowledge of a place to get a house off market.

[Wombatman]

We need to get away from our obsession with houses in big cities. Should be predominantly apartment living.

[Tar.Aldarion]

Are things not changing quickly on that front? Ranelagh was a bad area until it wasn't, and then it was Stoneybatter, Inchicore etc.

Yeah, I'd say the best area is one that you want to live in, it will all be gentrified pretty fast apart from areas you won't be looking anyway. Where I am was so grim when i moved to dublin, now I get cauliflower wings and tofu scramble in two places next door.

[Tar.Aldarion]

We need to get away from our obsession with houses in big cities. Should be predominantly apartment living.

It should be, build up ffs. But who trusts shite Irish apartments, there needs to be a big overhaul in the process and standards, accountability, be very happy living in apartments in other countries - it's been amazing in the past, not in Ireland for sure. Still lots of horror stories here trying to get damage fixed in apartments, management companies are non existent. A student apartment I lived in in Amsterdam was better than any place in Ireland I've seen, including houses. Place flew up as well, builders lived on the site. They treat apartments properly, better standard, long contracts etc. No idea what new build apartments are like here now, time will tell, they certainly are expensive!

[6starpool]

i dont know how you can look someone in their wounded eyes and tell them to get out of my country Takes a special kind of cold bastard to say that.


Apart from English types of course

Most people wouldn't do it one to one. There are plenty who would happily do it from the relative anonymity of a crowd though. Same as crap you hear of happening at football matches. Online loads again hide behind anonymity to be brave, but if there was ever a face to face, even with zero threat or likelihood of physical repercussions, most would be quiet as a mouse I suspect.

Not all, but most. Some of the people in these protests are also probably only there because it allows them to disrupt and cause chaos. I doubt many protesting have well informed, strongly held views.

[Ed]

Are things not changing quickly on that front? Ranelagh was a bad area until it wasn't, and then it was Stoneybatter, Inchicore etc.

I'd just be looking for somewhere convenient and ideally somewhere where when you say the address an older person would wince

There's always going to be 'bad' areas, prices have just gone up so you can end up paying X in a bad area where X would have gotten you something in a nicer area a few years back. One of the reasons it took us so long to find a place was that we'd been to see some places that were around our budget and just didn't like the vibe of the place.

There's defo movement in terms of how bad a bad area is at this stage with younger people gentrifying. A bunch of the ones we gave serious thought to were ex-council houses that had clearly had a decent bit of money put into them

[DeeBrown]

Proximity to critical services trump everything.
If an area offers ready access to the primary hubs for employment, retail, education & entertainment they'll always be ripe for redevelopment.

Docklands were a grim wasteland for decades but proximity to the city made recovery inevitable.
Crumlin & Ballymun were conceived as dumping ground for society's underprivileged and doomed.

If you view property as an investment buy in well
located areas which are down on their luck.
If you're going to live in the property buy the
largest site your budget allows in a thriving spot.
Quality of life today out ranks future possibilities.

Holiday homes & sheds!!!
What happened to us???

[Tar.Aldarion]

Proximity to critical services trump everything.

Living one minute from the hospital is +EV for me in case something happens plus my water will never be turned off.

[Denny Crane]

One of the reasons it took us so long to find a place was that we'd been to see some places that were around our budget and just didn't like the vibe of the place.

I visiting a relative and I was wondering why the area felt unsafe and run down, and then I realised it was just the street lighting. Many areas have bright white street lighting, and this place had dimmer yellow street lighting. Amazing the difference it made.

[Lao Lao]

All this shed talk has me feeling left out. Despite Tar's escapades I've started looking myself.

How active is the market? I'm guessing if X is your budget you're probably looking at listings that are 20% below that?

Is it worth looking outside daft. Is there a possibility that less-online sellers might not be listed there?

I think Hitch recommended Terry Gorry's book. Is that worth reading?

Not too sure as we've literally just started looking.

That said on a very small sample size (of two houses) there was a lot of interest in both in terms of numbers of people turning up to view them, although I'm sure there is a certain percentage of tire kickers in every viewing.

I think it will come down to area. Houses in so called nice areas will still commend a premium but based on what I saw last weekend, houses in, at best, average areas are still pricey. One of the houses we looked at was on the market for €700K and it looks like it's already gone sale agreed. House was OK, you could move into it right away but you would want to do some work in time but the area wasn't good.

We're going to one in Ranelagh tomorrow. Appointment was made earlier in the week and the estate agent told us by the time we get to view it, it might already be sale agreed.

[Tar.Aldarion]

Out at Bray, an hour walk to the coast in the middle of nowhere

CkyzUZgl.jpg

[Dice75]

I find the amount of time that is wasted discussing transfer fees, agents, wages, debt in soccer is mind numbing.
It just makes the US salary cap model & draft model especially in basketball so much more superior as a spectacle.

Watching teams figure out how they can manipulate caps & contracts and make trades, the subsequent grading of trades remains really interesting without all the negative financial discussion that revolve around soccer.

I understand it’s not apples to apples but I’d imagine that people would find that particular aspect of the NBA to be objectively more interesting than the model in soccer.

All Jimmy Hills fault

[Murdrum]

Out at Bray, an hour walk to the coast in the middle of nowhere

CkyzUZgl.jpg

There is a new development near us, beside the racecourse which many will know. I find housing brochures an awful waste of time: https://strandhilltramore.ie/

I haven’t enquired but based on what I’ve seen in the area, I’d say the 3 & 4 beds are approx 60% of the asking price here.

Too many fatties for RD3 to deal with but the front row of phase 1 should have some nice views for a while.

[Emmet]

Living one minute from the hospital is +EV for me in case something happens plus my water will never be turned off.

yeah everyone knows it's important to save the few minutes getting to hospital before the 60 hour wait in A&E

[RichieM]

We need to get away from our obsession with houses in big cities. Should be predominantly apartment living.

You will need a stronger argument than that to convince your misses.

[Tar.Aldarion]

yeah everyone knows it's important to save the few minutes getting to hospital before the 60 hour wait in A&E

Nah I mean my friends appendix was about to burst and we got there in two minutes and she was bam in surgery.

[Emmet]

Emmet we got the bike shed timbertrove do, nice and tidy and comes in two sizes. That said we've nothing too expensive bike-wise but it suited us for those and power washer and small space for other small stuff.

https://www.timbertrove.com/bike-sto...hed-2956-p.asp

have had these recommended to us by a gardener friend and also discovered that they look like they have an absolutely class bakery/café on site too. Looks like a lovely Sunday morning's activities. Sheds and Scones.

[Hitchhiker's Guide To...]

Where I am was so grim when i moved to dublin, now I get cauliflower wings and tofu scramble in two places next door.

ah yeah, but i think thats unusual - most areas tend to get better, not worse.

[Hitchhiker's Guide To...]

Personally think Dun Laoghaire is a class area. Has its own feel as a place, big local budget for area improvements, simple to get into town, but because a lot of 'trades' used to live there there are loads of those former council 82sqm houses available for 400k, that probably can only increase in value, when you modernise and expand the space.

We were thinking we might move into Clonskeagh as the kids gravitate towards their secondary school there, but now thinking almost certainly not as its just rows and rows of houses with nothing - no mountains, no seas, no sense of 'an area'.

Obv the likes of Ranelagh would be tops, but almost impossible to afford there for most people.

[Hitchhiker's Guide To...]

40% of 16-24s haven't had a beer in at least a year

[Hitchhiker's Guide To...]

yeah everyone knows it's important to save the few minutes getting to hospital before the 60 hour wait in A&E

most times you turn up in A&E you'll be seen almost straightaway

[Dice75]

have had these recommended to us by a gardener friend and also discovered that they look like they have an absolutely class bakery/café on site too. Looks like a lovely Sunday morning's activities. Sheds and Scones.

Dont forget the stroll up The Hell Fire across the road first to work up an appetite/tire kids out

[Hitchhiker's Guide To...]

Dont forget the stroll up The Hell Fire across the road first to work up an appetite/tire kids out

Massy’s Estate on the other side of the road is also pretty spectacular.

[Tar.Aldarion]

most times you turn up in A&E you'll be seen almost straightaway

Most stuff can pop into the HSE clinic in Smithfield and be seen straight away too.

[DeadParrot]

most times you turn up in A&E you'll be seen almost straightaway

[Tar.Aldarion]

Dun Laoghaire being nice must be the biggest hot take I've seen on here

[Lazare]

I think Monkstown is the creme de la creme Dublin area.

[Hitchhiker's Guide To...]

I think Monkstown is the creme de la creme Dublin area.

Yeah. I'd say the locals there are pricks though - Sandymount level of prickishness. While DunLaoghaire is a bit more of a blended community.

[Dice75]

I think Monkstown is the creme de la creme Dublin area.

Ah yeah, pint in the Farmhouse Inn there be grand way to test Hitch's A&E theory

[Ed]

Yeah. I'd say the locals there are pricks though - Sandymount level of prickishness. While DunLaoghaire is a bit more of a blended community.

Looked at a few places in Monkstown during our search. It's very similar to Dun Laoghaire given they're neighbours and there's lots of ex-council estates around Monkstown Farm

[Hitchhiker's Guide To...]

Looked at a few places in Monkstown during our search. It's very similar to Dun Laoghaire given they're neighbours and there's lots of ex-council estates around Monkstown Farm

ah, i might be judging it based on its fancy first impressions. And indeed Monkstown Farm is almost directly opposite me.

[shrapnel]

most times you turn up in A&E you'll be seen almost straightaway

lol, this is absolute bullshit for every country i've ever lived in, and ireland was one of the worst tbh.

[Hitchhiker's Guide To...]

lol, this is absolute bullshit for every country i've ever lived in, and ireland was one of the worst tbh.

Isn't it that if you turn up in the evenings - due to low staff and excessive drinking incidents to deal with - or the weekend - for similar reasons, that you'll definitely be waiting, but generally its grand apart from that.

[Tar.Aldarion]

I think Monkstown is the creme de la creme Dublin area.

Ex lives/grew up there, lovely house and area. Much more of a city person so not for me but very nice.

[Lao Lao]

most times you turn up in A&E you'll be seen almost straightaway

Ah heyour!

[Emmet]

Technically correct, as obviously you get triaged, but other than that...

[shrapnel]

Technically correct, as obviously you get triaged, but other than that...

exactly. "ah you're not dying. please sit there for the next 5 hours till we get back to you!"

[shrapnel]

Isn't it that if you turn up in the evenings - due to low staff and excessive drinking incidents to deal with - or the weekend - for similar reasons, that you'll definitely be waiting, but generally its grand apart from that.

definitely not. unless you're dying you'll sit there for at least 4-5 hours, 3 if you're extremely lucky

[Hitchhiker's Guide To...]

61% (page 29 of here) of people get moved out of A&E within 12 hours. That is likely to be highly skewed though by the time of the day. Most queues are in the evening - mainly due to drunken incidents (which can be 30% of visits at weekends) and short staffing. The issue being that drunks often need to be treated immediately causing delays to all other patients. You'd be highly unlucky to be waiting more than 6 hours to be fully treated in a regular daytime.

But that's separate to 'being seen to'. You will be seen to almost immediately. If its urgent you will be treated urgently. Most cases aren't urgent, which is not to blame the person turning up, just that they don't have any place else to go to to be seen - especially in evenings.

[Hitchhiker's Guide To...]

exactly. "ah you're not dying. please sit there for the next 5 hours till we get back to you!"

I feel that's the way its meant to work though?! That if its truly urgent you will be seen to, if its not then disincentives for turning up are in place. I say this admittedly, having had little experience of A&E and will be cursing the wait if ever there.

[shrapnel]

61% (page 29 of here) of people get moved out of A&E within 12 hours. That is likely to be highly skewed though by the time of the day. Most queues are in the evening - mainly due to drunken incidents (which can be 30% of visits at weekends) and short staffing. The issue being that drunks often need to be treated immediately causing delays to all other patients. You'd be highly unlucky to be waiting more than 6 hours to be fully treated in a regular daytime.

But that's separate to 'being seen to'. You will be seen to almost immediately. If its urgent you will be treated urgently. Most cases aren't urgent, which is not to blame the person turning up, just that they don't have any place else to go to to be seen - especially in evenings.

As Emmet said, you'll be seen by a triage nurse who will determine the nature of your illness and its severity. if you're dying, then you will see a doctor immediately, if not then you'll sit in an uncomfortable chair a few hours before you see a doctor.

[Solksjaer!]

For A n E . It depends if the A is really an E if not you are sitting on your A .

[Theresa]

Just asked the woman in Easons if Prince Harry’s book is available to download.

She said ‘do you want the PDF file?’

I said no, that’s his uncle.

[Theresa]

40% of 16-24s haven't had a beer in at least a year

Honestly, they are dead right.

Alcohol is a scourge, a delicious, fun time inducing, sex making scourge.

[6starpool]

Technically correct, as obviously you get triaged, but other than that...

Hitch probably leaves after triage, and wonders what all the fuss is about.

[DeeBrown]

Sandymount level of prickishness.

Loike fock off back to Bray, roysh.

[Wombatman]

If I hear another person trying to justify a clusterfuck by using the phrase 'perfect storm', again this week, I'll kill a flipping donkey.

[Wombatman]

Interesting turn of events in this trail. It appears you can hire a 'medical expert' to say anything you want these days.

https://www.breakingnews.ie/ireland/...r-1417957.html

[Lao Lao]

If I hear another person trying to justify a clusterfuck by using the phrase 'perfect storm', again this week, I'll kill a flipping donkey.

I've managed to introduce clusterfuck to the office lexicon over the last year - I was surprised that so many people hadn't heard it before.

[ComradeCollie]

Looks like 2016 again. Jeff Beck dead now .

Waffler69 dead too. Probably those mRNA vaccines https://www.independent.ie/style/cel...-42284970.html

[Hitchhiker's Guide To...]

Hitch probably leaves after triage, and wonders what all the fuss is about.

Not defending the system. It's just not a '60 hours wait', and if your need has the good fortune to arrive during weekday work hours, it's not usually a long wait.

Obv what we need is *almost* simple:

1. Much more primary care centres that are open 24/7 to avoid people needing to go to hospital.

2. Much more step-down beds for elderly people in nursing homes so they don't need to spend as long in hospital beds, and therefore new A&E arrivées can be transferred into those beds.

Everything else is almost fluffiness and irrelevance.

[Goodluck2me]

Not defending the system. It's just not a '60 hours wait', and if your need has the good fortune to arrive during weekday work hours, it's not usually a long wait.

Obv what we need is *almost* simple:

1. Much more primary care centres that are open 24/7 to avoid people needing to go to hospital.

2. Much more step-down beds for elderly people in nursing homes so they don't need to spend as long in hospital beds, and therefore new A&E arrivées can be transferred into those beds.

Everything else is almost fluffiness and irrelevance.

This is true, the amount of elderly bed blockers is quite substantial. The difficulty is that plenty of areas view hospitals as equal, so they are loathed to give them up, when in fact a badly performing hospital is far more dangerous. Kind of like having a very poor player on your team is sometimes worse that no one as you don’t assume they’ll covet the ground etc.

If we had much more A&E centres and then a smaller number of best in class hospitals which were conveniently located outcomes would be much better across the board. Problem is that local communities won’t give up even an unsafe hospitals so no progress is made.

[ComradeCollie]

Hitch probably leaves after triage, and wonders what all the fuss is about.

My experience has been pretty good over the years. The most recent one was the heart failure, and was instantly recognised in triage and dealt with appropriately. The 3 previous, ambulanced with drunk induced head injuries after Eurovision 2014, broken metatarsals after a truck drove over my foot (2006?), and broken ribs after a fight with my dead brother were all dealt with in a timely fashion. (like less than an hour)