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Unpopular Opinions.

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Comments

  • #5132
    king_of_inismac
    Registered Users Posts: 1,365 ✭✭✭king_of_inismac


    token101 wrote: »
    I'd argue that the borrower has the majority of the responsibility in most cases. No one had a gun held to their head, there are always alternatives. They were seduced by the easy credit the bank was selling, which is their job. I'm not saying I don't feel for lot of people in the situation, but to turn around and castigate the banks as criminally liable and attempt to absolve borrowers entirely like some here have done is a bit ridiculous and irritating.

    I think borrowers have to take responsibility for their mistakes. Many knowingly stretched themselves by over-borrowing and have to deal with the consequences.

    On the other side, the banks can limit their risks by varying their loan to net income ratio (e.g. only lending 3 x net income rather than 6/7 x net income).

    The difference in the Irish case is the Irish taxpayer is paying for the bank's lack of responsibility (by recapitalising the banks).

    I wasn't involved in property and don't have a mortgage, but I can understand the frustration of the borrowers.


  • #5133
    sbsquarepants
    Registered Users Posts: 11,812 ✭✭✭✭sbsquarepants


    Paddy Cow wrote: »
    I have said in a previous post how I was suprised when a few years ago I went to the bank to get a small loan of €600. At the time I was only earning €300 a week so I had carefully thought about how much I could afford to pay back. I expected to be asked about my outgoings and if I could make the repayments. The bank told me that I was pre-approved to take out a loan of €10,000!
    My longwinded point is, it's not the people who have to deal with the fallout who should be regulated, it's the people who create the situation who should be accountable.

    I once applied for a loan of €8,000 and was refused, the bank told me i'd have to take €15,000 for them to lend to me! Now that is fúcking ridiculous, i didn't take the loan cos quite simply i didn't want to borrow that much, i had no use for it and would have just blown it - but i'm sure a lot of people in my position would have taken it and probably suffered because of it. That is hardly professional banking behaviour, of course they should share the blame if it all goes tits up.


  • #5134
    Paddy Cow
    Closed Accounts Posts: 6,576 ✭✭✭Paddy Cow


    Galwayguy35 wrote: »
    Yes and we all did maths going to school, everyone knows how much they will make in the year so a 5 minute calculation would tell someone if they could afford a loan.
    If it was that easy, the country wouldn't be in the position it is now.


  • #5135
    MJ23
    Closed Accounts Posts: 3,039 ✭✭✭MJ23


    Gay Byrne is an annoying old fart


  • #5136
    Aint Eazy Being Cheezy
    Registered Users Posts: 4,629 ✭✭✭Aint Eazy Being Cheezy


    To the poster who claimed a newly qualified 18 year old carpenter was offered a 100k loan, that can't be true as a carpentry apprenticeship takes four years and you can't begin one until you're 16.


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  • #5137
    handlemaster
    Registered Users Posts: 6,003 ✭✭✭handlemaster


    MJ23 wrote: »
    Gay Byrne is an annoying old fart


    Hes so patronising.

    Now don't get me started on Craig Doyle ......


  • #5138
    Slurryface
    Closed Accounts Posts: 225 ✭✭Slurryface


    The youth of today have no repect, bring back the cane!




    Except of course for my kids who are little angels and paragons of respectfullness:D


  • #5139
    handlemaster
    Registered Users Posts: 6,003 ✭✭✭handlemaster


    Slurryface wrote: »
    The youth of today have no repect, bring back the cane!




    Except of course for my kids who are little angels and paragons of respectfullness:D


    My little Johnny and Mary are always angels !!


  • #5140
    gobnaitolunacy
    Closed Accounts Posts: 3,073 ✭✭✭gobnaitolunacy


    JFK, bedhopping US president who nearly sparked off WW3.

    He'd be barely remembered if he wasn't good-looking and assassinated.


  • #5141
    nacimroc
    Registered Users Posts: 518 ✭✭✭nacimroc


    gobnaitolunacy wrote: »
    JFK, bedhopping US president who nearly sparked off WW3.

    He'd be barely remembered if he wasn't good-looking and assassinated.

    And sparked a US recession for a decade by spending so much on NASA. (Still glad he did though)


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  • #5142
    Real Life
    Registered Users Posts: 943 ✭✭✭Real Life


    handlemaster wrote: »
    Hes so patronising.

    Now don't get me started on Craig Doyle ......


    from 2.28, they got him spot on i think


  • #5143
    fatherted1969
    Registered Users Posts: 2,164 ✭✭✭fatherted1969


    Why should people who were responsible with their finances be forced to carry the can for some people who were complete gob****es with theirs. Now i know some people were caught out when the bubble burst but for every one of them theres also someone who walked into a bank and got another 50k over the value of their homes so they could buy the cars and get the latest gadgets.

    Really does my head in, at the end of the day its your name at the bottom of your mortgage not mine. I've made plenty of bad financial decisions in my time but i'll take responsibility for them. It just so happens that i thought long and hard about mins and yes i paid over the odds at the time for it and i wasn't in what you would call stable employment at the time but thats my problem.

    TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS, DONT COME CRYING TO US WHEN THINGS GO TITS UP


  • #5144
    The King of Moo
    Registered Users Posts: 8,207 ✭✭✭The King of Moo


    fatherted1969 wrote: »
    Why should people who were responsible with their finances be forced to carry the can for some people who were complete gob****es with theirs. Now i know some people were caught out when the bubble burst but for every one of them theres also someone who walked into a bank and got another 50k over the value of their homes so they could buy the cars and get the latest gadgets.

    Really does my head in, at the end of the day its your name at the bottom of your mortgage not mine. I've made plenty of bad financial decisions in my time but i'll take responsibility for them. It just so happens that i thought long and hard about mins and yes i paid over the odds at the time for it and i wasn't in what you would call stable employment at the time but thats my problem.

    TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS, DONT COME CRYING TO US WHEN THINGS GO TITS UP


    Like the time you bet the winter heating allowance on The King of the Sheep competition and lost.


  • #5145
    fatherted1969
    Registered Users Posts: 2,164 ✭✭✭fatherted1969


    The King of Moo wrote: »
    fatherted1969 wrote: »
    Why should people who were responsible with their finances be forced to carry the can for some people who were complete gob****es with theirs. Now i know some people were caught out when the bubble burst but for every one of them theres also someone who walked into a bank and got another 50k over the value of their homes so they could buy the cars and get the latest gadgets.

    Really does my head in, at the end of the day its your name at the bottom of your mortgage not mine. I've made plenty of bad financial decisions in my time but i'll take responsibility for them. It just so happens that i thought long and hard about mins and yes i paid over the odds at the time for it and i wasn't in what you would call stable employment at the time but thats my problem.

    TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS, DONT COME CRYING TO US WHEN THINGS GO TITS UP


    Like the time you bet the winter heating allowance on The King of the Sheep competition and lost.


    Eh !!!???


  • #5146
    The King of Moo
    Registered Users Posts: 8,207 ✭✭✭The King of Moo


    fatherted1969 wrote: »
    Eh !!!???

    http://en.wikipedia.org/wiki/Chirpy_Burpy_Cheap_Sheep


  • #5147
    omahaid
    Closed Accounts Posts: 2,497 ✭✭✭omahaid


    fatherted1969 wrote: »
    Why should people who were responsible with their finances be forced to carry the can for some people who were complete gob****es with theirs.

    I agree, I've never understood why anyone gets the Non-Contributory State Pension. If you can't be responsible then tough. I hope they cut this in the budget.


  • #5148
    glynf
    Registered Users Posts: 3,387 ✭✭✭glynf


    Bit simplistic, but I would love to see the health system completely scrapped, and re-built from ground up, with everyone re-interviewed for their jobs, with fair but competitive salaries paid based on performance. All dead weight like overstaffed HSE departments gutted, and get rid of all the nepotism and 'jobs for the boys' brigade.

    A fixed amount of a persons income/social welfare should be put into a national health fund that cannot be accessed by any other government department. The amount a person pays should be based on their health, if their illness is due to being obese/overweight due to being lazy or unfit-they pay more. People should be more responsible and accountable for their ****ing selves, and the burden they put on the system. end of.


  • #5149
    Napper Hawkins
    Registered Users Posts: 1,903 ✭✭✭Napper Hawkins


    It's my opinion that the unpopular opinions thread has become a boring heap of ****e.


  • #5150
    mikemac1
    Closed Accounts Posts: 12,395 ✭✭✭✭mikemac1


    Most of the last page are popular opinions, especially the one about the Health Service

    This thread needs a boost


  • #5151
    Kerrigooney
    Closed Accounts Posts: 6,987 ✭✭✭Kerrigooney


    Shane McGowan is the sexiest man alive.


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  • #5152
    Pace2008
    Closed Accounts Posts: 3,587 ✭✭✭Pace2008


    AudreyHepburn wrote: »
    Hmmm....you'd be surprised.

    Have you ever looked at the athiesm threads on here?
    Could you please point me towards a single thread on this forum where people who claim that others should not be allowed freedom of religion are anything but a very small minority?


  • #5153
    handlemaster
    Registered Users Posts: 6,003 ✭✭✭handlemaster


    Kerrigooney wrote: »
    Shane McGowan is the sexiest man alive.


    Is this the comedy thread !!


  • #5154
    SureYWouldntYa
    Registered Users Posts: 7,723 ✭✭✭SureYWouldntYa


    The current government is doing the best it can and hard decisions must be made


  • #5155
    kunst nugget
    Closed Accounts Posts: 10,375 ✭✭✭✭kunst nugget


    SureYWouldntYa wrote: »
    The current government is doing the best it can and hard decisions must be made

    Actually they're not. Look at the allowances debacle. They are afraid to make some of the hard decisions needed to be made. What about Reilly adding two towns in his constituency to a priority list for primary care centres? What about Clom Keaveney saying in his pre-election that we need to change the old order of things and then hiring his wife at the top rate of pay as his parlimentary assistant?


  • #5156
    Joeface
    Registered Users Posts: 2,869 ✭✭✭Joeface


    Unpopular opinions eh ???

    Lisa Simpson should have been killed off and not Ned Flanders wife (what ever her name was)

    I would let Michelle Rodriguez & Gina Carano wrestle in-front of me for my amusement, or beat me up ....< not sure that's an opinion


  • #5157
    steddyeddy
    Registered Users Posts: 27,564 ✭✭✭✭steddyeddy


    Pace2008 wrote: »
    AudreyHepburn wrote: »
    Hmmm....you'd be surprised.

    Have you ever looked at the athiesm threads on here?
    Could you please point me towards a single thread on this forum where people who claim that others should not be allowed freedom of religion are anything but a very small minority?

    Well apart from the nutters who spend their time insulting other peoples intelligence based on their belief systems.


  • #5158
    Mickey H
    Registered Users Posts: 1,822 ✭✭✭Mickey H


    Joeface wrote: »
    Unpopular opinions eh ???

    Lisa Simpson should have been killed off and not Ned Flanders wife (what ever her name was)

    Maude was her name.


  • #5159
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    The King of Moo wrote: »
    http://en.wikipedia.org/wiki/Chirpy_Burpy_Cheap_Sheep

    Chris wouldn't have won anyway, even if Fargo hadn't of scared him


    My unpopular opinion, there I've said it


  • #5160
    marcbrophy
    Registered Users Posts: 6,428 ✭✭✭marcbrophy


    Boombastic wrote: »
    Chris wouldn't have won anyway, even if Fargo hadn't of scared him


    My unpopular opinion, there I've said it

    You just went too far pal!! :pac:


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  • #5161
    The King of Moo
    Registered Users Posts: 8,207 ✭✭✭The King of Moo


    Boombastic wrote: »
    Chris wouldn't have won anyway, even if Fargo hadn't of scared him


    My unpopular opinion, there I've said it

    AW F**KIN' HELL!! :eek:


This discussion has been closed.
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