Originally posted by Hitchhiker's Guide to...View Post
pfft porn is like sooooo 90s.
Continuing from last night's topic, bacon is where the internet is now at
you are at least 3 years late to that party, sure it's even part of reddits cryptic slogan
Iphone whales, Chuck Testa & gangster babies is where we are at now
but in honour of bacon, behold the bacon cheese log
People say I should be more humble I hope they understand, they don't listen when you mumble
Get a shiny metal Revolut card! And a free tenner! https://revolut.com/referral/jamesb8!G10D21
Originally posted by Hitchhiker's Guide to...View Post
My brother's about to buy a house at the moment and was saying that prices are now highly affordable. Got to be a factor. He's looking for a nice house not a nice investment and based on current prices can get that nice house and not be too bothered even if interest rates were to rise a fair bit.
That's his thinking and i'd say there's a good few others out there thinking the same thing.
ooooh this just got interesting.....
‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
The minimum value in the article is based on historic building costs. Building costs are down >30% and will fall further once benefits in this country get trimmed, trimmed again and finally properly cut.
That and the fact that no sane non state run bank is going to lend money (and the state ones are just limping along) are just two glaring holes in the article.
What the article does show is that we are still a long way from capitulation which is what should really be of interest to a man of your economic specialisation.
but but, we were promised the fucking end game by Raoul this year. I have my men at the fucking ready and now you tell me we are a fair way from capitulation.
What the fuck is going on in this thread. When is fking end game?, If I have to attack without the full backing of the LKs it will be 1916 all over again. Then 50 years from now some egghead with his biased revisionary agenda will tell the tale of how end game was actually on the table and my sacrifice of the Ronnie Drews was pointless. FK You and Raoul. . The revolution will go on televised or otherwise.
Strictly missionary position only and lights off I'd guess. Good catholic lass.
Pure filth imo, I'd say she is into all kinds of everything
People say I should be more humble I hope they understand, they don't listen when you mumble
Get a shiny metal Revolut card! And a free tenner! https://revolut.com/referral/jamesb8!G10D21
Originally posted by Hitchhiker's Guide to...View Post
My brother's about to buy a house at the moment and was saying that prices are now highly affordable. Got to be a factor. He's looking for a nice house not a nice investment and based on current prices can get that nice house and not be too bothered even if interest rates were to rise a fair bit.
That's his thinking and i'd say there's a good few others out there thinking the same thing.
Affordable at this given time isn't the same as being of good value though, is it? As I've said before, if a litre of milk was suddenly €10 in my local shop, it's still relatively affordable and I wouldn't have to change my level of consumption of milk at all. No relative value, unfortunately!
The biggest problem with the opinions expressed in that article is the whole 'prices will rise like a ping pong ball held underwater!!!! BUY BUY BUY BUY BUY before prices go out of sight!!!!' idea - after the market bottoms out, it will more than likely stay flat for the medium-term, assuming the bank's purse strings are still tightened.
you are at least 3 years late to that party, sure it's even part of reddits cryptic slogan
Iphone whales, Chuck Testa & gangster babies is where we are at now
would anyone suggest buying a house, given that you could get the money for it???
If I was filthy rich and buying at the very top end I probably would strongly consider it. If I was buying a wreck at the very bottom end for cash in a beautiful location then I could see a reason to do it and the "mistake" could never be too huge. It's the middle ground that is tricky....
Anyway myself and Brianmc have just signed a lease on a stunning 4 bed 3 storey townhouse in Citywest for €1500 per month so I'll be sitting it out for another while.
‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
People say I should be more humble I hope they understand, they don't listen when you mumble
Get a shiny metal Revolut card! And a free tenner! https://revolut.com/referral/jamesb8!G10D21
Anyway myself and Brianmc have just signed a lease on a stunning 4 bed 3 storey townhouse in Citywest for €1500 per month so I'll be sitting it out for another while.
confirmed gays
"We are not Europeans. Those people on the continent are freaks."
Originally posted by Hitchhiker's Guide to...View Post
It was almost a Constantin Gurdiev level of detailed economic thinking, don't you think?!
lol
Sorry I meant it got interesting because through your brother you have skin in the game. It always changes the perspective and sharpens the thought process if nothing else to actually have a rela life example to consider...
I advised my brother not to buy in 2006 and he did anyway. I advised him to sell for 100k profit in Sept 2008 and he laughed at me as my track record was bad. Now I'm torn between financial advice and the sort of life is too short type advice.....
‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
would anyone suggest buying a house, given that you could get the money for it???
I think it is the wrong move right now, but wouldn't despair for anyone buying, people buy for different reasons and making an expensive mistake buying your own home isn't the worst thing in the world, is it? There are bigger mistakes that would be far more painful to make, that's for sure - like making the mistake a few years ago!
A mate bought a 2-bed apartment in Firhouse in late 2008, I tried to talk him out of it but couldn't get through to him and there is only so far you should go when arguing such matters with friends (family is different, managed to stop my bro buying an investment apartment in 2007). He is such a nice guy that after the sale was delayed a few months due to problems on the vendor's side, he disagreed with me when I pleaded with him to at least renegotiate the price downwards, as the market has slipped further. He now lives with the GF in her apartment, but is stuck with the 2-bed apartment, which is >€100K underwater at this stage A stone's throw from the apartment are homes like THIS, which is asking less than he paid, and for which you'd be mad to pay more much more than €200K anyhow.
Hey Colonel! Thanks for the idea of a fried chicken exterior for our sandwich, but I think we'll add more bacon, more cheese and more everything.Buy TSHIRTS!...
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I think it is the wrong move right now, but wouldn't despair for anyone buying, people buy for different reasons and making an expensive mistake buying your own home isn't the worst thing in the world, is it? There are bigger mistakes that would be far more painful to make, that's for sure - like making the mistake a few years ago!
A mate bought a 2-bed apartment in Firhouse in late 2008, I tried to talk him out of it but couldn't get through to him and there is only so far you should go when arguing such matters with friends (family is different, managed to stop my bro buying an investment apartment in 2007). He is such a nice guy that after the sale was delayed a few months due to problems on the vendor's side, he disagreed with me when I pleaded with him to at least renegotiate the price downwards, as the market has slipped further. He now lives with the GF in her apartment, but is stuck with the 2-bed apartment, which is >€100K underwater at this stage A stone's throw from the apartment are homes like THIS, which is asking less than he paid, and for which you'd be mad to pay more much more than €200K anyhow.
Just wait until the rent allowance gets slashed and he's having to massively subsidise the rent he's receiving to pay the mortgage. That's when the shit gets painful.....
‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
I'm shocked Long isn't starting tomorrow, we'll surely play a containing game and be looking to hit on the break against a team who absolutely must win, and the one thing a Long/Doyle strike partnership will give us is alot of very direct, very quick counter attacking options with Doyles work-rate and ability to win and hold onto the ball and Longs pace, really really surprised by that decision :/
"In the world, there are many kings but there is only one God. I am God, I am El Tren" :{)
It sounds like he bought it to live in (at least originally so I doubt he's on IO).
He hardly bought it for investment purposes given what Paul said. At least I hope not....
ah well then he'll be subsidising it heavily right now
there's a book to be written on these poor unfortunate accidental landlords and their sick fantasy of holding on to their 'assets' . So many people who'd be better off just going bankrupt.
"We are not Europeans. Those people on the continent are freaks."
ah well then he'll be subsidising it heavily right now
there's a book to be written on these poor unfortunate accidental landlords and their sick fantasy of holding on to their 'assets' . So many people who'd be better off just going bankrupt.
there's also money to be made by setting up as a 'get real muthafucka' type financial consultant
the sort of dude who tells you you're fucked, to embrace it and start again. No future in clinging on and driving yourself into long-term poverty.
"We are not Europeans. Those people on the continent are freaks."
It sounds like he bought it to live in (at least originally so I doubt he's on IO).
He hardly bought it for investment purposes given what Paul said. At least I hope not....
Yeah, he bought it to live in it and not with an IO-mortgage. It is the type of mistake that won't bankrupt him, but will probably cost him dearly in terms of ability to buy a suitable family home with his GF / soon-to-be-wife, as both parties (despite lucky enough to have secure, well-paying jobs) are in negative equity. Lots of similar stories out there, don't want to be one of them in the future, will NOT be buying an apartment whenever I make the leap in 2012 / 2012 / whenever, somewhere livable with a bit of space is the target...
@TylerD. Was just going back over a few posts in to see if I was talking shite when I was drunk the other night. I see you asked about FIFA12.
I have to say I like it and it is a welcome improvement in the series. The game is a bit slower. Defending is hella tough and more about keeping an overall shape or organization to your team. Double teaming an AI player invariably makes them pop the ball into the space you just left open. Have to say the AI is a lot smarter than before and retains the ball ridiculously well on world class. Another thing on AI I noticed is that if they are a goal down in the 2nd half they push way up the pitch and pressure you. This can lead to some nice counter attack goals or indeed panicky defending and last ditch tackles.
I think in general the finishing is easier around the box. Long range goals are easier to score too but lobbing the keeper is trickier. Crossing is tougher and connecting a header on the money is not as simplistic as previously. Free kicks and corners have been made much harder to score from, the latter particularly so. The "revolutionary" collision system brings up some funny animations and ball ricochets but it does make it a little more realistic. On the topic of realism, injuries are more frequent and lifelike too. I've had my pro sprint 60 yards and pull his hamstring which was equally funny and annoying as I was about to score. Refs pull up play and a hop ball is given if a player is badly injured too.
I have yet to bother giving online matches a proper crack as I'm playing career mode, leveling up my virtual pro and dossing around with mates. I'll give it a proper bash this weekend for sure. I'm addicted to it already and its ruining my life . So go buy it if you have nothing to do. If you want to be in any way productive or sociable then this is not the game for you
Haven't totally locked down the defending yet as I haven't bought it yet and only played a couple of games with some mates.
Still undecided about getting back into the online stuff yet. Scored a peach of a goal the other night, friend crosses it from the left hand side and I catch it on the volley about 8 yards out and smashed it in.
Haven't seen any of this stuff about players pulling hamstrings or anything yet.
Is it true he quit music because nobody liked him or have I been levelled?
Was listening to some of his stuff on the journey home on friday for the first time in ages, you forget how great he is.
I've only started playing FIFA 11 online in the last week or so, what is the story with the Ultimate Team mode? I've started it and played a few games and stuff, but I have pretty much no idea what's going on!
Originally posted by Hitchhiker's Guide to...View Post
There's a subset of people who believe bankruptcy is immoral. Such a weird mindset. US system is a lot more conducive towards taking risks and you don't have this moral thing if it all goes belly-up. Obv we'd need a modern bankruptcy system for that.
the government are already committed to modernising the bankruptcy laws (think it's actually in the Troika's MOU but I could be wrong?)
on an individual level, it should mean giving up the anchor around your neck house, being quarantined (on a credit basis) for 4-5 years and then getting on with your life. Renting isn't so bad.
"We are not Europeans. Those people on the continent are freaks."
Yeah, he bought it to live in it and not with an IO-mortgage. It is the type of mistake that won't bankrupt him, but will probably cost him dearly in terms of ability to buy a suitable family home with his GF / soon-to-be-wife, as both parties (despite lucky enough to have secure, well-paying jobs) are in negative equity.
yup, they won't be able to get a mortgage for a new place. They're stuck.
"We are not Europeans. Those people on the continent are freaks."
Originally posted by Hitchhiker's Guide to...View Post
There's a subset of people who believe bankruptcy is immoral. Such a weird mindset. US system is a lot more conducive towards taking risks and you don't have this moral thing if it all goes belly-up. Obv we'd need a modern bankruptcy system for that.
Yeah, I've posted about this before but the original owner of the 4-bed townhouse I moved out of in July declared bankruptcy in May and after explaining the circumstances, I'm amazed at the amount of people who are incredulous at his decision or feel like he's embarassed himself by throwing in the towel. He bought the place at the peak of the market for €1.2m, moved out at some stage to up sticks to one of the border counties (guessing due to employment), the house is now worth something close to €500k and he was surely massively subsidising our rent (4 of us were paying a total of €2,100 / month for the place) - he would have been mad NOT to declare bankruptcy IMHO! Went to England to do so, I admire him for facing up to his financial miscalculation and wiping the slate clean. Life's too short, etc etc...
Cool beans man, not online at the moment but sure I will at some stage, few lads from here good for a game of Fifa especially coillcam had many a good battle with him.
If/when I get back online I will hit you up for a game.
I'd find it difficult to justify buying even if it was on a financial par with renting. Job security ain't what it used to be, people are more mobile than ever, add in divorce rates, etc paying huge transaction costs in order to tie yourself down just doesn't really make sense imo.
ah well then he'll be subsidising it heavily right now
there's a book to be written on these poor unfortunate accidental landlords and their sick fantasy of holding on to their 'assets' . So many people who'd be better off just going bankrupt.
You might be better off not paying your mortgage and living rent free with the two year moratorium.......You might be better off not working....you might be better off getting the fuck out of this country....ah fuck it the mind doesn't take in this negative shit apparently otherwise we'd just give up!!
‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
If I was filthy rich and buying at the very top end I probably would strongly consider it. If I was buying a wreck at the very bottom end for cash in a beautiful location then I could see a reason to do it and the "mistake" could never be too huge. It's the middle ground that is tricky....
Anyway myself and Brianmc have just signed a lease on a stunning 4 bed 3 storey townhouse in Citywest for €1500 per month so I'll be sitting it out for another while.
I think it is the wrong move right now, but wouldn't despair for anyone buying, people buy for different reasons and making an expensive mistake buying your own home isn't the worst thing in the world, is it? There are bigger mistakes that would be far more painful to make, that's for sure - like making the mistake a few years ago!
A mate bought a 2-bed apartment in Firhouse in late 2008, I tried to talk him out of it but couldn't get through to him and there is only so far you should go when arguing such matters with friends (family is different, managed to stop my bro buying an investment apartment in 2007). He is such a nice guy that after the sale was delayed a few months due to problems on the vendor's side, he disagreed with me when I pleaded with him to at least renegotiate the price downwards, as the market has slipped further. He now lives with the GF in her apartment, but is stuck with the 2-bed apartment, which is >€100K underwater at this stage A stone's throw from the apartment are homes like THIS, which is asking less than he paid, and for which you'd be mad to pay more much more than €200K anyhow.
Thanks for the above you can always rely on the BBV to give you some advice!! I would have the same attidude as you as well very wary about getting debt hugh around my neck managed to make it to 28 with out any bill in my name, this is changed now that im married but these bills are only ESB/Gas/Sky my phone is paid for by the company
Truth be told if i was a lot better @ poker or could do something my self i would move witht the wife to china, she has a good employment opp when she is qualified in the Hdip in her city cost of living is so much lower and her parents are offering an 3 bed apt in the City centre for nothing, it is really tempting and i haven't ruled it out yet either!!
I'd find it difficult to justify buying even if it was on a financial par with renting. Job security ain't what it used to be, people are more mobile than ever, add in divorce rates, etc paying huge transaction costs in order to tie yourself down just doesn't really make sense imo.
This is a crucial point that people missed during the boom. Renting* should be more expensive then owning if everything else was equal as the flexibility for a mobile workforce is worth quite a bit in terms of earnings potential.
*If we had a properly regulated rental market with decent security of tenancy and the escrow of deposits etc then it should be even more so.
‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan
This one is great. The demo is online so you can try before you buy. Atm I am hosting the pan caribbean games. Although the population is shirking for some unknown reason.
How does this consultant get paid by his broke clients Senor RDIII?
Also there is a large legislative/government risk for this consultant as he could get the rug pulled from under him with the stroke of a pen......
Not that I gave this any thought or anything you understand........
Obv you do it out of the good of your heart and god/karma/budda will look after you! allt this worrying about getting paid/Greed got us in this mess in the first place! f u bankers
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A stone's throw from the apartment are homes like THIS, which is asking less than he paid, and for which you'd be mad to pay more much more than €200K anyhow.
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