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Off Topic Thread 3.0

Zzippy

All things non-rugby related here.

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Swan Curry

lol if your solution isn't to kill all landlords

[Deleted User]

awec wrote: »

I like the gallops, it's a good distance from the esb and dump though. The houses are also nice. I live in the area too, just round the corner and I do like it.

What is mad is these houses were built to be affordable, or that was the intention with the fast planning process they went through. Obviously hasn't worked.

Whatever they are saying, It's not affordable housing. Far from it when you consider the average wage. Between my wife and I our household income is reasonably high and these properties would stretch us at the upper level when you add in creche / school fees etc.

Honestly, if you wanted to get the most out of this build then before giving planning permission they should have capped the price to a multiple of mortgage approval for a specific salary level.

They should have only allowed purchase to live and not to rent.

This shows nothing has been learned at all. Profit is king.

molloyjh

Deleted User wrote: »

Whatever they are saying, It's not affordable housing. Far from it when you consider the average wage. Between my wife and I our household income is reasonably high and these properties would stretch us at the upper level when you add in creche / school fees etc.

Honestly, if you wanted to get the most out of this build then before giving planning permission they should have capped the price to a multiple of mortgage approval for a specific salary level.

They should have only allowed purchase to live and not to rent.

This shows nothing has been learned at all. Profit is king.

But sure why investigate and develop a comprehensive solution involving multiple elements to a solution, including regulation, when money.

molloyjh

I have to say my wife and I got pretty lucky. We got a cancellation in the exact place we wanted to live at just the time that we had enough equity in our old place to afford it. A couple of months one way or the other and we wouldn't have had enough equity. We've still got what I'd consider a bloody big mortgage (house cost €405k) but it's manageable given what we're earning.

That said, when Little Miss Craps Herself arrives next year my opinion on that may change. But we're right beside a number of schools and all of that so hopefully she won't bankrupt us.

awec

Deleted User wrote: »

Whatever they are saying, It's not affordable housing. Far from it when you consider the average wage. Between my wife and I our household income is reasonably high and these properties would stretch us at the upper level when you add in creche / school fees etc.

Honestly, if you wanted to get the most out of this build then before giving planning permission they should have capped the price to a multiple of mortgage approval for a specific salary level.

They should have only allowed purchase to live and not to rent.

This shows nothing has been learned at all. Profit is king.

These houses would bring us to our max as well, but there is no chance I'd pay those prices for those houses. What is even stranger is that help-to-buy cannot be used on any property over 500k, so that takes a load more people out of the market too.

I think this development actually got government grants to help them build the houses. It's a complete sham. Get fast track planning, get grants and then sell off small houses that were built quickly and cheaply (judging by the look of them) for massive prices.

[Deleted User]

awec wrote: »

I think this development actually got government grants to help them build the houses. It's a complete sham. Get fast track planning, get grants and then sell off small houses that were built quickly and cheaply (judging by the look of them) for massive prices.

If that is the case then you would wonder why this isn't in the news. I appreciate papers make a heap of cash from property advertising but surely the likes of RTE would cover something like this.

Buer

molloyjh wrote: »

That said, when Little Miss Craps Herself arrives next year my opinion on that may change. But we're right beside a number of schools and all of that so hopefully she won't bankrupt us.

All I'm waiting for is the kids going off to school and the cost of childcare reducing drastically for us. Mortage is manageable but throw another €1,600 - €1,700 each month on top of that and it's a little sore.

The only way I can see people getting sorted for housing is if the infrastructure improves significantly in the commuter belt and building increases there. The land in Dublin is simply too valuable for it ever to be developed at a reasonable cost and those holding the cards are far too influential and wealthy to ever let the government call the shots.

But, even then, there's a chunk of the population who will never buy a house that isn't in the area they have their heart set on.

Zzippy

molloyjh wrote: »

That said, when Little Miss Craps Herself arrives next year my opinion on that may change. But we're right beside a number of schools and all of that so hopefully she won't bankrupt us.

Congrats molloy!

awec wrote: »

Prices:

4 beds: €585k end of terrace, €570k mid terrace - 158sqm
3 beds: €500k end of terrace 109sq m

Half a million for a small 3 bed terrace house. :eek:

We are in the market right now but I am have been seriously considering pulling the plug on it for now. Prices have to come down eventually.

Mother of God! So glad I left Dublin 20 years ago. Never to return...

[Deleted User]

Buer wrote: »

All I'm waiting for is the kids going off to school and the cost of childcare reducing drastically for us. Mortage is manageable but throw another €1,600 - €1,700 each month on top of that and it's a little sore.

The only way I can see people getting sorted for housing is if the infrastructure improves significantly in the commuter belt and building increases there. The land in Dublin is simply too valuable for it ever to be developed at a reasonable cost and those holding the cards are far too influential and wealthy to ever let the government call the shots.

But, even then, there's a chunk of the population who will never buy a house that isn't in the area they have their heart set on.

Many creches you won't see a reduction when school starts. It comes down a bit but afterschool is still pricey even though the kids are older.

My kids will go to a private secondary school and it will be cheaper over the year than what I'm paying the creche.

thomond2006

I need one more to make 10 in the NFL Fantasy league. STEP UP!

awec

Creche is another cost that's playing on my mind. Having to add another 1500 quid a month in costs on top of the mortgage would definitely hurt a lot. Neither of us can use our parents for child minding either as they are all still working and also all live 2 hours away .

I don't want to move outside of Dublin but might not have much choice if no sanity returns to Dublin prices.

Erik Shin

Come to Kerry.... inexpensive childcare.... property prices are manageable... scenery is wonderful...and to top it off ...you can become Munster fans ..it's a win win for you all !

molloyjh

Buer wrote: »

All I'm waiting for is the kids going off to school and the cost of childcare reducing drastically for us. Mortage is manageable but throw another €1,600 - €1,700 each month on top of that and it's a little sore.

The only way I can see people getting sorted for housing is if the infrastructure improves significantly in the commuter belt and building increases there. The land in Dublin is simply too valuable for it ever to be developed at a reasonable cost and those holding the cards are far too influential and wealthy to ever let the government call the shots.

But, even then, there's a chunk of the population who will never buy a house that isn't in the area they have their heart set on.

Yeah I don't think we could manage the cost of childcare at the moment. We're lucky enough that both our families are within 30 mins drive so we're hoping that might help a bit. But you also don't really want to be asking grandparents to spend their free time looking after the kids. We may need to look into shorter working weeks a bit too and try and mix and match the various options. Part of the week at home, part with grandparents and part at childcare. Now that we're seriously looking into all that stuff along with the mortgage it shows up just how poorly set up this country is. It's not like my wife and I aren't on decent money. But it's still a slog.

Neil3030

I live in a two-bedroom penthouse apartment overlooking the black forest. There's a tram 50-feet from my front door taking me into the centre of town in ~12 mins. I pay EUR400 per month rent.

determinations

thomond2006 wrote: »

I need one more to make 10 in the NFL Fantasy league. STEP UP!

I'll do it, if there's no one else.

My first ever fantasy season was with you lot back in 2014, I drafted a kicker :pac:. I swear I've gotten better since.

awec

Neil3030 wrote: »

I live in a two-bedroom penthouse apartment overlooking the black forest. There's a tram 50-feet from my front door taking me into the centre of town in ~12 mins. I pay EUR400 per month rent.

Bastard.

thomond2006

determinations wrote: »

I'll do it, if there's no one else.

My first ever fantasy season was with you lot back in 2014, I drafted a kicker :pac:. I swear I've gotten better since.

Nice! Drop me a PM with your email!

mfceiling

Childcare costs are mad alright but as my mate says "don't dip your wick if you can't afford to pay for the oil"!!

We're lucky in that they are all in school until 2.30 and I'm home most days for 4 or 4.30 so it's small peanuts. Eldest starts "big school" next year so she's almost old enough for full responsibility for everyone for the couple of hours.

No mortgage on the home is great (lucky runs over the years) but if you think that frees up money...eh no...Kids are a fùcking drain like I've never known.

Oh and congrats Molloyjh...welcome to the worst club in the world - the lack of sleep brigade.

Neil3030

thomond2006 wrote: »

Are governments capable of doing anything about it though?

They need to re-balance the number of properties that go into the private housing market. At the moment a developer will get the highest yields and lowest hassle from leasing to commercial tenants, but obviously that really only matters in town. After that it's leasing to residential tenants. Bottom of the list is selling to the private market.

Take an example that a friend of mine building a house recently:

Plot: 50k
Construction costs: ~125k

This will result in a house worth approx 250k in the private market. V.A.T. on top of the sale of 13.5%, then cap gains of 30% of his profit leaves very little wiggle room if any unexpected costs arise.

Conversely, he can lease the house for 1.4k p/m, possibly more, and have the whole project debt free within 10 years.

Some combination of making commercial and domestic leasing less attractive, and selling more attractive, will go a long way towards more houses entering the market.

Yeah_Right

We bought in new development out in Swords just recently. 350k for a 3 bedroom semi. We looked over the south side because that's where most of my mates live but the difference in price for was ridiculous. Would have been 50% more for something similar. Such better value in Swords. We got a nice big backyard for my shed/man cave and there's lots of nice pubs and restaurants nearby in Swords and Malahide.

Neil3030

awec wrote: »

Bastard.

It's mind blowing what sort of life can be had outside of Ireland. And yet the crazy thing is that I still aspire to return one day...

kuang1

Re: childcare costs...you know there's a way to significantly reduce them by having an aupair right?
It might mean that each child no longer has their own room, but you'd save a grand a month easy.

Erik Shin

kuang1 wrote: »

Re: childcare costs...you know there's a way to significantly reduce them by having an aupair right?
It might mean that each child no longer has their own room, but you'd save a grand a month easy.

And a ride as well !

DGRulz

Ted Cruz has always seemed the slimy sort to me but he never fails to amuse me.

Buer

Deleted User wrote: »

Many creches you won't see a reduction when school starts. It comes down a bit but afterschool is still pricey even though the kids are older.

I won't use a creche when the kids start school. Will sort something out with a childminder similar to what we're doing now where we pay an hourly rate. A local creche would be worse again than our current €1,600-€1,700.

Buer

Yeah_Right wrote: »

We bought in new development out in Swords just recently. 350k for a 3 bedroom semi. We looked over the south side because that's where most of my mates live but the difference in price for was ridiculous. Would have been 50% more for something similar. Such better value in Swords. We got a nice big backyard for my shed/man cave and there's lots of nice pubs and restaurants nearby in Swords and Malahide.

I will always struggle to comprehend as to why people insist on mortgaging their lives away and causing themselves a life of untold stress for the sake of not being 10 miles further away.

Buer

kuang1 wrote: »

Re: childcare costs...you know there's a way to significantly reduce them by having an aupair right?
It might mean that each child no longer has their own room, but you'd save a grand a month easy.

Au pair isn't an option for a lot of people given the WRC ruling on minimum wage. It's not as cost effective as it once was and you give up your home to have someone living with you which is not appealing whatsoever.

[Deleted User]

kuang1 wrote: »

Re: childcare costs...you know there's a way to significantly reduce them by having an aupair right?
It might mean that each child no longer has their own room, but you'd save a grand a month easy.

We have a spare room and space wouldn't really be an issue. But I really wouldn't like to have a stranger living in the house. I like my privacy far too much.

Also, I'm an absolute dreamboat so would be desperate frustrating for the young wan.

Buer wrote: »

I won't use a creche when the kids start school. Will sort something out with a childminder similar to what we're doing now where we pay an hourly rate. A local creche would be worse again than our current €1,600-€1,700.

We used a childminder at first and to be honest the creche brought them on a lot more. When they are older will potentially look into something like that or afterschool as an alternative. At the moment the creche is the best option, but it's incredibly expensive. Amazing the Government doesn't bring in some kind of tax relief for childcare costs.

[Deleted User]

DGRulz wrote: »

Ted Cruz has always seemed the slimy sort to me but he never fails to amuse me.

I'm sure he'll announce that he was "hacked" fairly soon.

DGRulz

MaybeMaybe wrote: »

I'm sure he'll announce that he was "hacked" fairly soon.

I'm not sure if he has or not, but either way he's gonna find it pretty hard to deny :pac:

https://twitter.com/EMlNEMOBAMA/status/907467017325871104