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Teachers leaving Dublin schools due to accommodation costs

  • 12-07-2022 5:06pm
    #1
    Registered Users, Registered Users 2 Posts: 1,534 ✭✭✭


    I see this story is finally getting some publicity today:



    I'm in a Dublin school and once again this year it's a problem. We lost one tenth of our staff this May because they've got jobs outside Dublin. Well, one or two of them haven't got jobs but figure they'll be better positioned in their chosen area than paying accommodation costs in Dublin for another year. In each case, property prices was the deciding factor (childcare costs were a secondary factor for some).

    How are other countries solving this issue of key staff not being able to afford accommodation in their most expensive cities?

    A quick google and it seems we are decades behind New South Wales in Australia which:

    [quote]The Teacher Housing Authority of New South Wales (THA) is a statutory corporation constituted under the Teacher Housing Authority Act 1975 as amended. Under the Act, the principal object of the THA is to provide and maintain suitable and adequate housing accommodation for teachers. The THA also: • initiates, promotes, commissions and undertakes surveys and investigations into the housing needs of teachers; • undertakes, promotes and encourages research into the design, construction and maintenance of housing suitable for teachers; • plans the provision of a comprehensive and coordinated housing service for teachers throughout country New South Wales; • provides, conducts, operates and maintains a housing service for teachers; and • advises and makes reports and recommendations to the Minister in respect of matters relating to the housing of teachers.[/quote] [https://www.dpie.nsw.gov.au/__data/assets/pdf_file/0005/326255/08-tha-annual-report-11-12.pdf]

    In Britain, they have a Teachers' Housing Association since 1967: http://www.teachershousing.org.uk/about-us/


    Gardaí, nurses, firemen and other key staff are undoubtedly enduring a similar problem. One thing which strikes me is that many schools could, with a bit of joined-up thinking from the DoES, Revenue and the schools, utilise school or church property (the latter own the vast majority of the school properties) to help solve this issue. At least the younger, single, poorer-paid teachers might get some reprieve there and hang on in Dublin schools.



«134

Comments

  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    You're talking about a problem right now, teachers leaving schools and more temp teachers taken on actually solves a future problem of overquotas and redeployment in about a decade.

    The crest of the population boom is between 3rd class and 2nd year right now, once they pass through the system the student population is going down.

    I think it's only right that the department should plan for the future, and they can do this by doing what they do best.... Nothing.



  • Registered Users, Registered Users 2 Posts: 1,403 ✭✭✭am_zarathustra


    Even the simple solution of paying a top up like they do in London to acknowledge the cost of living would go a long way to solving this issue.



  • Registered Users, Registered Users 2 Posts: 13,128 ✭✭✭✭Flinty997


    All that will do is add fuel to the fire.

    If something is unsustainable the quicker is pushed to collapse the better.



  • Registered Users, Registered Users 2 Posts: 1,403 ✭✭✭am_zarathustra


    The problem is that the cost of accomodation in Dublin isn't unsustainable, wages in the private sector enssure they aren't. The prices around now are not down to intervention in the market but rather the preponderance of FDI and the high wages they brought with them mixed with a lack of supply.

    County councils building at scale is the real answer but there doesn't seem to be an appetite for that.

    We've had a couple of young teachers buy with the county council mortgages, be helpful if the unions pushed these heavily



  • Registered Users, Registered Users 2 Posts: 81 ✭✭spontindeed


    I don't think Council housing is the answer because they tend to attract undesirables into an area. The accommodation costs are effecting everyone in ordinary private sector jobs as well so we should keep this in mind.



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  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    I think the private sector workers accommodation issue is separate to this topic.

    It's about ensuring there are enough teachers for our current children. There's a reason why other countries offer incentives to public sector workers in major cities.



  • Registered Users, Registered Users 2 Posts: 2,435 ✭✭✭solerina


    If they removed the pension related deduction then teachers etc wages would be so much better and people could actually afford to take jobs in Dublin.



  • Registered Users, Registered Users 2 Posts: 111 ✭✭Ouch Chinese Byrne


    Can’t they just be replaced with the Temps who already live or are from Dublin.

    im sure they would jump at the chance of becoming full time teachers



  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    But then teachers would have a $hite pension when they retire. That's hardly a solution.



  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    Sorry to break it to You but the new pension scheme system ensures they have an utter $hite pension when they retire anyway.

    This hits hard especially at secondary where the career average royally screws teachers on part time contacts for years... and that's assuming you go straight from college to work (ideally a BEd!!). Quite a few people come to teaching say in their late 20s early thirties, add on potentially 8-10 years before full hours, then you're really starting full payments in your late 30s. Now compare that to the older scheme where it was based on final salary, and you'll see that the 'golden public sector pensions ' are now a fairy tale.

    If I were an nqt now I'd be far better off cancelling any department of education pension contributions and investing that money myself, either stick it into a Zurich PRSA or use it to fund a mortgage and pay it off quicker.

    At the moment ,all these deductions ensure is that you have less money to save or ,god forbid, enjoy!



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  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    While the new pension scheme is not as amazing as previously, it is still very good compared to the normal private sector one and is definitely a lot better than not contributing anything which the previous poster suggested.



  • Registered Users, Registered Users 2 Posts: 1,738 ✭✭✭2011abc


    The unions hired actuaries to calculate that the new pension is just another tax unless you live to 134 or something!



  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    I would love to see those figures!

    I think the unions are telling porkies.



  • Registered Users, Registered Users 2 Posts: 491 ✭✭SwimClub


    I'm on the new pension scheme and I had a quick look at my total contributions for this year and what that buys me in terms of a pension, as per the single scheme excel calculator.

    If you look at an annuity rate of around 3% at the moment, the increase to my pension that my contributions buy implies a certain investment fund sum required to buy the annuity on retirement and that sum is the future value of my current contribution in the scheme. Under this calculation my pension implies an investment return of only 3% per annum on my contributions until retirement, which does seem really low and as a previous poster mentioned on average historically you would do much better with a PRSA.

    Interest rates and annuity rates are at all time lows, so taking that into account the implied investment return could look a lot bleaker, e.g. if annuity rates on my retirement were 6% then the implied investment return of my contributions would only be 1.5% (as half the fund would buy you the same annuity due to rates being 6% instead of 3%).

    Where the calculations get more complicated is that when you get closer to retirement your contributions earn you the same increment in pension in the scheme, but your contributions are only invested over a short period so the overall weighted average investment return for your fund would be better than implied above. I don't have the time to work that out right now!

    But overall, it doesn't look anything like a 'gold plated' scheme and my suspicion is that we are indeed funding the much better final salary scheme and it is in effect a tax.



  • Registered Users, Registered Users 2 Posts: 831 ✭✭✭who what when


    Correct me if I'm wrong but a teachers salary starts at 38k. Now what about the scores of workers like those who work in shops, restraunts, childcare etc? How are they able to afford to work and live in expensive cities when they will likely never even reach 38k let alone start on it.



  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    What do you mean by "it is still very good compared to the normal private sector one"

    ... Are you seriously comparing to private sector teachers pensions?

    At least if you are a privately paid teacher you have 100% control of your own pension contributions, plus there are some schools who also CONTRIBUTE on top of the employees contributions.

    BTW most private sector employers of professionals also contribute to employee pension schemes ... what does the department add on top of the teacher contributions?

    Anyhow heres the report, Knock yourself out.

    Keep in mind, the assumption is that these NQTs would begin working full time between ages 21-25... Which of course you know about the reality of this.

    https://paycommission.gov.ie/wp-content/uploads/INTO-TUI-pensions-1-Single-Scheme.pdf&ved=2ahUKEwi6grfXnu_5AhWJR8AKHePYAV0QFnoECC8QAQ&usg=AOvVaw230cNBs7vu7bHEzjS0rcQQ



    "

    The value of many teachers’ contributions under the proposed new scheme will exceed the value of benefits, a situation which is grossly unfair and which may be open to legal challenge especially since membership is compulsory. A meaningful employer contribution is a statutory requirement for private sector schemes."




    "  The new scheme would result in a scheme pension of 26% of final salary after working for 43 years, compared to a 32% pension for working 40 years at present (lump sum falls from 150% to 129%). The disimprovement in conditions would be more severe for a teacher who is promoted in late career."

    https://www.tui.ie/_fileupload/Trident%2520Report%252015%2520point%2520summary%25201110.doc&ved=2ahUKEwiDmbqTnO_5AhVbSEEAHXp8CVMQFnoECAsQAQ&usg=AOvVaw18G64iq3_p0CzW0J12QW51



  • Registered Users, Registered Users 2 Posts: 9,380 ✭✭✭893bet


    Off topic but for a teacher starting now what percentage do they pay into their pension and what percentage of salary will their pension be?



  • Registered Users, Registered Users 2 Posts: 1,090 ✭✭✭hamburgham


    38k for 8 months. You should pro rate to get comparable 12 month figure.



  • Registered Users, Registered Users 2 Posts: 998 ✭✭✭GAAcailin


    I disagree with Teachers being able to take career breaks for an extended period. I know 3 teachers that took 5 years career break (renewed year on year) and then resigned. I think a year (possibly 2) career break is fine but then would need to resign, that permanent position would be freed up for another teacher; very difficult for schools constantly trying to find subs.

    one teacher in our school who took the 5 years (year on year) and then resigned was replaced over this period by 6 different subs..



  • Registered Users, Registered Users 2 Posts: 1,090 ✭✭✭hamburgham


    Yes, I can’t understand why there hasn’t been a word about these career breaks in all the discussions about teachers only being offered temporary positions.



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  • Registered Users, Registered Users 2 Posts: 604 ✭✭✭HazeDoll


    Find me a teacher who started on 38k. I keep hearing about them but I have never met one.



  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    The "normal private sector one" is for the employer to make zero contributions.

    Now, I've searched that document high and low, but couldn't find anything about living to 134, so I'm still going to use the phrase "porkies".

    But I did find this:

    "Average percentage of cost paid by member 95% | 88% | 91% | 85% | 88% |82% "

    Basically, on his assumptions, and using his examples, the employer is paying from 5%-18% of the pension. As per my post, this is obviously not as much as the old pension scheme, but is still good, and a lot better than most have it.

    But the reality is that the author is missing 1 huge assumption (maybe it is there, but couldn't find it in the document). The teacher's pension is guaranteed. That is a prenominal cost, so to exclude it is a massive oversight and hugely distorts the figures (coincidentally in the union's favour). Thus, his figures are based on a 72.64% mix of equities throughout the the person's career. This is completely at odds with a standard private sector worker, all because of the lack of guarantee. As a result, he is not even comparing apples and oranges, but comparing apples and books.

    Change the asset mix to cater for a private sector worker wanting a low risk (they will never be able to get a guarantee) pension, and that 5%-18% would probably move close to 50%


    So let's look at some big figures that don't require big (or missing) assumptions...

    For a person who works as a teacher for their whole career and retires at normal age, this scheme guarantees them a pension of 42% of their retiring salary. All for an average (total) annual contribution of what, 10%ish (tax deductible)?

    There are a lot of people reading this thread who would (or should if they had any sense) bite your hand off if you offered them that.

    How anyone can call a huge benefit "a tax" is perplexing to me.


    As for the second link, it doesn't work, so not sure what you are referring to. Bu anyone who is even talking about hte pension only being worth 26% is playing fast and loose with the truth so is probably best ignored.


    Firstly, talking about annuity rates of 6% on your retirement is very dangerous. It is a lot more than just interest rates; the low annuity rates we have seen for a long time are based on the continued increasing life expectancy of retirees.

    As for your calculations, are you adjusting for inflation? Are you taking into account the investment strategy to get as close to guaranteeing a pension of 42% of retirement salary?

    I don't think anybody is referring to the current public sector pension as "gold-plated". But it is still a good pension and the very opposite of a "tax".




    Considering the low contribution figures required, I assume you are both also contributing to a PRSA as well?



  • Registered Users, Registered Users 2 Posts: 14,039 ✭✭✭✭Geuze


    Most public servants pay 6.5% pension contribution, plus 10% on all income over 34k.

    Pension is 1/80 of salary per year worked, with a max of 40/80.



  • Registered Users, Registered Users 2 Posts: 491 ✭✭SwimClub


    The scheme works out as a percentage of average salary not 42% of final salary, that is a huge difference. What you are not factoring in is that there are multiple schemes paid out of the same theoretical pension pot, where the overall figures have to balance - new entrants are paying more for less, and part of what they are paying is funding the older much more generous schemes - that is effectively a tax on the new entrants to pay the older entrants benefits.

    In the new scheme every year you get some accrued benefit on retiring that is a fraction of your exact salary that year. If you end up retiring on double your current salary the benefit under the old scheme related to the current year worked is double that of the new scheme. That is the exact benefit I used in my calculation and even with 3% annuities the implied return is terrible.



  • Registered Users, Registered Users 2 Posts: 491 ✭✭SwimClub


    Also I don't think you are interpreting the figures below correctly:


    ""Average percentage of cost paid by member 95% | 88% | 91% | 85% | 88% |82% "

    Basically, on his assumptions, and using his examples, the employer is paying from 5%-18% of the pension. As per my post, this is obviously not as much as the old pension scheme, but is still good, and a lot better than most have it."


    If the employee pays 92% of the final value of the pension that does not imply the employer is paying 8% per month. It means that is the employee contributes 7% a month the employer contributes roughly half of one percent per month. That is way lower than a normal employer contribution in industry.



  • Registered Users, Registered Users 2 Posts: 9,380 ✭✭✭893bet


    Assuming tax relief on the contribution?

    If so then that doesn’t seem a terrible deal that is being made out.

    is the old age penguin paid in addition to the teachers pension?



  • Registered Users, Registered Users 2 Posts: 14,039 ✭✭✭✭Geuze


    Yes, tax relief as normal on all pension conts.

    Be careful, the new Single PS scheme is a CARE scheme - Career Average Earnings, so you won't get 40/80 of final salary.


    Whereas people hired pre 2013 can get up to 40/80 of final salary.


    The State Pension (Contributory) is included in the max 40/80, it is not extra.



  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    In the examples given in the doc, the pension received for that "average" "career" teacher worked out to be 42% of final salary. While it is different for everyone (depending on age you start/retire etc), the 42% is a "typical", with most people getting slightly above/below that.

    You need to stop comparing it to the old pension scheme. That is long gone and never coming back, and seems ot be confusing you. When comparing it to something, it is best to compare it to the typical private sector worker.


    I assure you I am interpreting those figures correctly. Based on the examples given, the employer is paying 5%-18%. While I can't find any decent breakdown online, it is clear that way over half of employers contribute 0%. That is worth repeating - Zero, Nada, Zilch.

    But, of course, you didn't include the second point after that. That he never included the cost of the guarantee in his calculations which is huge. Including that could easily increase those figures to 50%, which would bring it line with the top private sector employers.



  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    Name this typical private sector worker.... Hairdresser.... Solicitor....Truckdriver?



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  • Registered Users, Registered Users 2 Posts: 491 ✭✭SwimClub


    average private sector was 7.7 to 7.9% of salary contributed by employer, 10 years ago, cant see it changing massively:


    Again the figures you reference for public sector of employer contributing in the region of 10% of the final value of the pension that means employee contributes 90%.

    So to work out the salary percentage contributed by employer, we know the public sector employee contributes 6.5 to 7%, if that corresponds to 90% of the pension value then the 10% contributed by the governent is one ninth of that - less than 1% of salary matching by employer. That's a joke relative to industry norms where 5% is considered low. The fact it is guaranteed IS taken into account in the calculations as they estimate the cost of the relevant annuity. It is a very bad deal in pension terms and the elephant in the room is that they cant afford a decent one (even industry standard one) due to the liabilities on the older entrant side, where their pension is ridiculously good.



  • Registered Users, Registered Users 2 Posts: 491 ✭✭SwimClub


    Also your 42% figure must include the state pension that everyone gets. Even with that I will be nowhere near 42% of my final salary, those projections must include very little promotion. You are getting years in service/80 of your career average salary. e.g. if you have 27 years service that is a pension of 1/3 of your average salary not your final salary.



  • Registered Users, Registered Users 2 Posts: 491 ✭✭SwimClub


    And if you want to know how such a disparity can arise between older and newer entrants just consider who is making these decisions and where their pension is coming from......



  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    Your link is behind a paywall. But I think you are misunderstanding whatever you read. The majority of private sector workers receive ZERO contributions. Among the minority of people who do receive a contribution, it is typically between 5% - 10%, which tallies with the 7.7% - 7.9% you are seeing.

    Given such a worker would probably need an average overall (worker + employer) contribution of maybe 25% over the course of their working life, that amounts to an employer funding ~30% of the pension (7.9 of the 25). But even that doesn't take into consideration things like employers claiming back contributions for early leavers etc which can hurt a lot, especially with today's modern work environment where a huge number of people change employers every few years (so while it pushes up that statistic the actual reality is Zero contributions).

    With regards the guarantee, I'm not talking about the annuity that is purchased subsequently, I am talking about having the precise amount in the pot on the date of retirement to enable such a purchase. To have a safe, inflation linked pension pot, would require an investment strategy that would produce extremely low (possibly negative) returns, which means that the employer is contributing far closer to 50%. In a given year, a teacher contributes X which guarantees that they will receive Y amount when they retire (adjusted for inflation). It is still a Defined Benefit Scheme, just one that is not as good as it used to be courtesy of the unions. But one that the majority of private sector workers would bite your hand off if you offered it to them.

    In terms of your PRSA, how much are you contributing? And what have the returns been like over the last 15 year and how close are you to retirement?



  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    "majority of private sector workers would bite your hand off if you offered it to them."

    Why are you still taking about private sector workers like they are one homogenous group?

    Your showing your hand now with your digs at unions for the change in pension scheme for new entrants. You know damn well this was brought in by your government during fempi.


    So what private sector worker are you comparing to?



  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    Why are you still taking about private sector workers like they are one homogenous group?

    So what private sector worker are you comparing to?

    Well, who do you want to use to compare against? I am referring to "pretty much every other worker in the country not in the public single scheme". You believe the pension to be "utter shite", yet is far better than what most receive from their employer.

    Your showing your hand now with your digs at unions for the change in pension scheme for new entrants. You know damn well this was brought in by your government during fempi.

    I'm not sure what hand you are talking about, but of course this is from the unions. That's what unions do. And as long as new entrants keep joining them, they'll continue to screw the next generation. Oh, and "my government" is also "your government". Not sure why you feel the need to use possessive adjectives when describing them.


    But you still haven't answered as to how your PRSA is doing. How much do you contribute? How has it been performing? What investment strategy are you using? How many years to retirement? Will you have enough in the PRSA for a "decent pension"?



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  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    So your comparing teacher pension calculations to "pretty much every other worker in the country"???

    Can you outline the pension details of "pretty much every other worker in the country" please? So we can actually compare like for like.


    You say the teachers pension is "far better than what most receive from their employer"... Most of who? Like a barman, hairdresser, landscape Gardner??

    So by your logic, if their private sector pension schemes are worse, then , teacher pension scheme should be just as bad.... because we're comparing and trying to align it right?


    Now it is very funny indeed that you ask how my PRSA is doing because I actually WAS a privately paid teacher with my own PRSA managed by Zurich. And even though I've stopped the contributions and I'm still charged a management fee it's doing very very well... and growing for the most part year on year, it will far exceed anything any NQT would hope to get out of their contributions.

    Plus you may be astounded to know that my school ALSO made a contribution towards my pension! Which they certainly did not for the public sector teachers in the same school.

    So if you want to compare Public Sector Teacher pensions to Private Sector teacher pensions then let's do that. Rather than comparing us to "pretty much every other worker in the country". Which you fail to define.

    Furthermore , when I was privately paid (on a par with public sector pay). I didn't have to contribute to any of this nonsense in the public scheme.

    It was just one monthly payment which I got the usual tax relief on.

    Nothing happens to this money above in the photo which I pay, it is not invested by the state into any fund, it's thrown into the general Exchequer pot. Our public sector pensions come out of the same Exchequer pot. You may remember there was a pension reserve fund started with a few billion built up, but of course the glorious private sector bank crash saw that off.

    And if you want to talk about how a private teacher pension fund contributions could replace the government I'd be happy to just link it to Zurich or the OTTP and eliminate the nonsense in the photo above.



  • Registered Users, Registered Users 2 Posts: 14,039 ✭✭✭✭Geuze


    USC = income tax

    AVC = 96.69 = your own personal choice to have an extra private pension, this is not a compulsory deduction.


    The compulsory pension contributions are:

    (1) Pensions grouped

    (2) Spouses and Children pension 1.5%

    (3) ASC, previously known as PRD, this is an extra pension contribution, at 10% on any income over 34k



  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    AVC = your own personal choice to have an extra private pension.

    Indeed, my own choice ... But I still count it as a nonsense of the teaching system because of it's part time nature. Which , seeing as we are talking about teachers leaving Dublin schools , is a factor, i.e. offering a teacher 6 hours then suggesting they have the "choice" to make up their guaranteed pension shortfall with an AVC is like saying ,well if you don't like the crowded A&E then you have a choice to build your own hospital.

    USC ... fair enough I didn't mean to circle that.

    The compulsory pension contributions are:


    (1) Pensions grouped


    (2) Spouses and Children pension 1.5%


    (3) ASC, previously known as PRD, this is an extra pension contribution, at 10% on any income over 34k.

    Yes they are compulsory, the point being, if I were private I would have better control. Plus I wouldn't be paying (2) or (3) . They are just another tax on public servants, nothing of this money gets "invested" anywhere .

    I'd rather decide where Id "invest" that €500 euro from Pension Grouped, Sp&ch and ASC every month myself. Most private sector workers have a choice no?



  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    Probably dragging this off topic with talks of pensions.... Meanwhile my kids are still missing teachers today, and the class sizes for subjects has gone to 30+ to 1 in a lot of cases.

    Plus weve had 2 further announcements today in our school of teachers leaving Dublin over the next few months. These teachers have both been in the school for 5+ years.

    That's on top of career break teachers currently working in Dubai with the hope of buying property in Dublin when they come back... But it's looking like they might up sticks too.

    So ya, aren't teacher pensions great altogether! They should be more thankful.



  • Registered Users, Registered Users 2 Posts: 2,406 ✭✭✭combat14


    don't count on irish teachers from dubai coming back anytime soon many are deciding to stay



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  • Registered Users, Registered Users 2 Posts: 998 ✭✭✭GAAcailin


    Treppen - think the pension debate was taking the initial thread off topic, not your comments.

    We have the same issue with our school in Dublin, last year the kids with extra needs really missed out on their extra hours tuition as these resource teachers were pulled out to cover other teachers absences; Already we have received a note from the school that where there is a staff absence this year and no substitute teacher can be identified that a resource teacher will cover the absence. Pre-covid the kids would be split up and sent to other classrooms (for short term absences).



  • Registered Users, Registered Users 2 Posts: 1,738 ✭✭✭2011abc


    I think you may be one of the dozens if not hundreds of online profiles based in political party or government department HQs but maybe Im a bit of a conspiracy theorist .Its crazy how in some online debates today there seem to be a large proportion of 'bots'-sometimes debating with one another !No doubt people seem to be very bad at basic maths these days .Public sector pension was solid but not gilt edged up to 2008 .Its not our fault the 'market' devastated private sector pensions and as a result ours (at least for the oldies) seems so good .Its not really ,its just that everybody elses (except the 1% ,ministers etc )is so bad .Race to the bottom !



  • Registered Users, Registered Users 2 Posts: 3,636 ✭✭✭dotsman


    but maybe Im a bit of a conspiracy theorist

    You said it!

    But it's not a race to the bottom. It's simply to do with the fact that we are living longer, having less children and have a significantly improved standard of living compared to previous generations. When pensions where brought in mainstream (as a result of the industrial revolution), it was supposed to be a few quid for a few years so people didn't spend their last few years destitute/homeless etc (from retirement to dying a few years later). Today, we need/want pensions that give us a great life with all the modern comforts we have grown accustomed to and enjoy this retirement for 20 odd years, but still expect it to be as cheap as the original idea.

    By the 80's/90's, it was clear that the defined benefit (DB) model was not going to work (as too expensive and required investment in low risk/yield products), and the few private sector companies that previously offered them closed them (if they hadn't already gone bust). Unfortunately, rather than try and transition over and agree on a great DC scheme, all the public sector unions kept pushing to keep the DB, and kick the can down the road (as they do with pretty much everything), and ultimately settled on this hybrid DB/DC scheme. Likewise, today, instead of focusing on pension benefits, they keep focusing on salaries.

    Anyway, this is going way off topic. My only point is that the current scheme, while not as good as before, is still better than nothing, which is what most people have. And the very same unions who negotiated and agreed with this, are now the ones who try to distort it to make it look worse than it actually is (as they like to keep everyone thinking they are the victims).



  • Registered Users, Registered Users 2 Posts: 1,658 ✭✭✭joebloggs32


    New circular out today. PME/hDip allowance to be added to new entrants pay scales. The money to fund it comes from the unions diverting a general pay rise for all to specifically adress this issue for new entrants. We've had a lot of sh1t thrown at us over the years saying we sold out the younger teachers when the fact was the government locked us into a deal and subsequently turned around and slashed new entrants pay.

    Pay inequality is now almost wiped out. It has taken over 10 years to get here. The non teaching public sector unions didn't give a toss and still don't as they overseen pay rises for all this year when they too could have boosted the pay of their new entrant members.

    I want to salute the leadership of both the second level unions who helped to make this happen. The next battle will now be the new entrants pensions.



  • Registered Users, Registered Users 2 Posts: 6 reality keeper


    Why should that be the next battle? Did new entrants not sign a contract accepting the new pension arrangements?

    The plush pension deal and pay HAD to be gradually changed. It was costing too much money. DB pensions give more, much more, than the recipients contribute.

    And before you ask the inevitable question “why should two people be paid differently for the same job?”. It happens ALL the time in the private sector. Deal with it.

    I had to work my arse off and negotiate my way up to €87,238 p/a.



  • Registered Users, Registered Users 2 Posts: 1,658 ✭✭✭joebloggs32


    New entrant teachers are being lockec into a pension scheme that is practically unethical. If they actually worked a full career of 40 years they will need to live to the age of 94 to get back what they put into it. Considering that life expectancy is around 82 it means the government has a nice little earner.



  • Registered Users, Registered Users 2 Posts: 4,669 ✭✭✭Treppen


    Soooo you don't think the staff shortage is worthy of addressing?

    No kids then?



  • Registered Users, Registered Users 2 Posts: 3,985 ✭✭✭Dickie10


    I know what people mean when they say " two teachers doing the same job" but I would argue no two teachers can ever do the same job really. Theres a world of diference between working in a private school in SoCoDub and somewhere that has to take the sort of feral scrotes from the cherry orchard video seen this week. Christ no amount of money could pay you to deal with that in fairness. I dont think I would be able for it anyway being honest, id say I would be gone after a week.



  • Registered Users, Registered Users 2 Posts: 1,403 ✭✭✭am_zarathustra


    Different folks and all that. I hated working in the SoCoDub type schools. Depneds on why you got in to teaching I suppose too and what aspects of it you enjoy.

    Dublin doesn't produce a lot of teachers, just as an aside. I've never been in a school in Dublin where even half the teachers would be from the city and you don't meet a lot of teachers from Dublin in the country. I've always found that curious and definitely means you feel the effect of teacher shortages faster. My school down home is under no pressure to staff itself, but they'd have a few teachers every year coming through from alumni, 6/7 in my year alone.

    But cost of rent is costing us teachers, that's indisputable at this point. Dublin is more expensive to live in compared to the rest of the country and places like Cherry Orchard don't need a revolving door of PMEs trying to serve a community they know nothing about because they'll be gone home in a couple of years. Pay more and get the best you can in schools in these areas and keep them, you've a better chance with wrap around services and a well run community based school of keeping kids off the streets causing havoc................kids who percieve they have a future worth investing in don't ram garda cars



  • Registered Users, Registered Users 2 Posts: 14,039 ✭✭✭✭Geuze


    There has always been lower attendance rates at 3rd level from Dublin, compared to non-Dublin.



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