Graces7 wrote: » This resulted in the measure, originally based on lacking one or more items from an 8-item index, changing to one based on lacking two or more items from the following 11-item index: 1. Two pairs of strong shoes 2. A warm waterproof overcoat 3. Buy new not second-hand clothes 4. Eat meals with meat, chicken, fish (or vegetarian equivalent) every second day 5. Have a roast joint or its equivalent once a week 6. Had to go without heating during the last year through lack of money 7. Keep the home adequately warm 8. Buy presents for family or friends at least once a year 9. Replace any worn out furniture 10. Have family or friends for a drink or meal once a month 11. Have a morning, afternoon or evening out in the last fortnight, for entertainment Three indicators are used to measure poverty in Ireland And they are a travesti; an upper middle class list. I would fit in with maybe 2 of these but I do not count myself as living in poverty. Very far from it. I would not like to live as they suggest. Out for entertainment? shoes? I have crocs, wellies and one pair.
Thatnastyboy wrote: » A family member is an accidental landlord, not selling yet (despite their best attempts) because of a few reasons - Their mortgage provider overcharged interest to them and many others which became a legal issue, because of this legal issue these people were not allowed bring their property to the market. The property they currently own but have rented out brings in rent of 900/month, The mortgage on the property is 1100/month + maintenance and usual landlord obligations. The property is worth 60% of the original purchase price so to sell it creates a negative equity of i think about €100k, They are renting in another property at the cost of 1000/month (they're 'lucky' at that) Despite these outgoings they must save 20% of the new mortgage value (as they are not first time buyers) to purchase a new property, this property must be cheap enough to carry the negative equity from the other house within the 3.5x max mortgage allowance so they are heavily limited in how much they can borrow for the new property. When they gave 6 month notice to their tenants the tenants notified them that they were unlikely to move because of high rents elsewhere and have contacted threshold about staying put. These family members have been trapped for a decade now. They handout a ball of money every month - while trying to pay their dues on all sides. But according to you they're on the pigs back. They ain't.
Arghus wrote: » Yes, I think the majority opinion on here is that the people involved are c*nuts. But, in fairness, isn't that always the way for After Hours about every political debate: everyone is always a c*nt according to this place. I more or less know what I'm going to read in every hot-topic thread, even before I click into it. Even your use of the tired "students in Mao jackets" and the "martyr crew" tropes is indicative to me that that you're coming at from an entrenched attitude. I know there's nothing I'm going to say here that'll change your mind. Of course housing has been a political issue for years, but it gets bigger and bigger all the time and I think the government have largely sat in their hands about it for years. Fine Gael have been in Power for seven years and I never got the sense that they were actually serious about doing something until maybe 18 months ago. Feel free to disagree, but I think they were happy enough to keep the issue at relative arms length for a long time. Housing was not as hot a topic politically at the time of the last election, it was there alright, but it'll be a major talking point next time round. If you don't agree with protests and occupations - and I'm not saying I think they are the be-all and end-all - how do you think people should register their dissatisfaction with the current reality of housing in this country? There is the ballot box of course, but that may only come your way once in several years. Just knuckle down and grumble ineffectually, that old Irish way? It's not just the so called "work-shy masses" and self appointed martyrs who are feeling the squeeze. Housing is becoming a major issue for all kinds of people. I'm a working male in my early thirties and a lot of my peers are just like me: working hard to make ends meet, with spiralling rent costs and a dwindling supply of available properties. The protests and the occupations are just symptomatic of this aspect of Irish life. But, as usual round here, people refuse to see the woods from the trees - preferring instead to go for the surface level - and rather childlike, I may add - analysis of just calling them "c*nts". Maybe they are c*nts and maybe in some ways their methods are indeed c*ntish, but that doesn't mean that, at some fundamental level, those c*nuts don't have a point.
BBFAN wrote: » I can't be bothered going all the way back through the thread Maryanne but proof was provided earlier from an article in which the journalist had checked the tax status of the van from the reg number and gotten the information. I never said absence of a disc was a problem.
BBFAN wrote: » If you don't crack 2 or 3 on that list you need to look at your life. :rolleyes: Give it up ffs.
1. Two pairs of strong shoesNope - one pair of Penney's runners. 2. A warm waterproof overcoatMac style coat - barely waterproof but got a hat and an umbrella 3. Buy new not second-hand clothesThis I've done - via QVC and "EasyPay" but not often 4. Eat meals with meat, chicken, fish (or vegetarian equivalent) every second dayDone this but not every second day - weekends when I have time. 5. Have a roast joint or its equivalent once a weekLive on my own, why bother ? 6. Had to go without heating during the last year through lack of moneySort of - oil was stolen from tank outside and had to wait two weeks to get more. 7. Keep the home adequately warmHave to budget the oil yeah, not always warm in the kitchen or bedroom. 8. Buy presents for family or friends at least once a yearThis I do 9. Replace any worn out furnitureGod no, who can afford that ? 10. Have family or friends for a drink or meal once a month 11. Have a morning, afternoon or evening out in the last fortnight, for entertainmentNeither - trips to UK for football is my "treat".
BBFAN wrote: » And those are your choices Grace, doesn't mean everyone else is the same.
blanch152 wrote: » Even if the property has lost 40% of its value in 10 years (the top of the market was 10 years ago, if they bought before or since that, there is no way the property is still carrying that amount of loss) - they must be very unlucky if that remains the case - they shouldn't be in negative equity to the tune of €100k, unless the property cost over €1m or they took out an interest-only mortgage.
Thatnastyboy wrote: » They bought at the very top of values. Bought for about 300k, property next door currently for sale today for 210k,
PlaneSpeeking wrote: » Really ? Not that you deserve an explanation but education should always be encouraged for the hand of thinking:
Johnny Dogs wrote: » Using unknown anonymous masked men to enforce a court order is quite clearly the bigger p picture. If this is what the future holds, we should all be worried imo, it's clearly not a welcoming development if this is how we're going to proceed as a functioning democracy. **and I have zero problem with the protesters removal, just who did the removing, and under who's orders**
A Tyrant Named Miltiades! wrote: » I assume this is not in one of the cities, which is what i referred to? I also know plenty of people who were in negative equity a few years ago; not any more, certainly not in Dublin. Property values are higher than they were during the last boom. Also, I didn't say anyone is on the pig's back; I simply pointed out that there is now a realistic opportunity to get out of the market. most people are getting their money back, many of them are making a profit.
Thatnastyboy wrote: » They bought at the very top of values. Bought for about 300k, property next door currently for sale today for 210k, 90k negative if you look at purchase price only. As for interest, I'm not privvy to the actual figures at the moment.. I think the bolded bit is true, but it's reality - and I'm sure they don't enjoy being told how privileged they are for being landlords...
topper75 wrote: » In a country where it is absolutely legal to wear a burka style headdress, there can be no way in which you can question the executive force of the law wearing balaclavas.
Seathrun66 wrote: » Not for the Gardai. They’re prohibited from wearing burkas or any form of religious paraphernalia. The use of balaclavas in this instance is not justifiable, particularly if they’ve no recognisable unique identification in the event of violent clashes. Officers need to be identifiable in the event of use of excess force.
dav3 wrote: » I agree, education should always be encouraged for the hand of thinking.
blanch152 wrote: » It still doesn't make sense.https://www.drcalculator.com/mortgage/ A 90% 35-year mortgage at 4%, gives a monthly payment of €1,100. After ten years, the outstanding balance is 219k, meaning they are only in negative equity of 10k. Not great but not insurmountable. A more normal 25-year 90% mortgage, on a tracker rate of 2%, would leave the outstanding balance at 175k, a positive equity situation of 35k, enough for a deposit on another property.
PlaneSpeeking wrote: » Really ? Not that you deserve an explanation but education should always be encouraged for the hard of thinking: So you might want to wind your neck in and as painful as it may be, realise you DO NOT know everyone's life.
ohnonotgmail wrote: » the removal was done under the order of the court. why is that an issue for you?
Thatnastyboy wrote: » They're in the country though, so affected by the same crisis the cities are feeling. So move the goalposts to Dublin if you like.
dav3 wrote: » The main issue is the behaviour of the Gardaí and the perception that they were there siding with unidentified masked men, rather than carrying out the job they are paid to do following the three simple Policing Principles that state that policing services must be provided: 1) Independent and impartially. 2) In a manner that respects human rights. 3) In a manner that supports the proper and effective administration of justice. This has led to all sorts of accusations, including the rumour that the masked men were known to the Gardaí. Rumours that they were a criminal gang from the UK, or a criminal gang from Ireland, or a paramilitary gang from the north, or even Gardaí themselves looking for a bit of extra money on the side and not wanting to be identified.With so many Gardaí getting into property and becoming landlords during the boom, you can understand why people may be concerned over the possibility of them taking the side of the landlord and whatever masked goons turn up at the next protest. The housing crisis is not going away, it appears that the protests are only just beginning. Hopefully the Gardaí have their house in order by the next event.
Will I Am Not wrote: » Do you have a number for that?
Johnny Dogs wrote: » It's not, and I don't know how you missed me saying that either.
**and I have zero problem with the protesters removal, just who did the removing, and under who's orders**
A Tyrant Named Miltiades! wrote: » I'm not moving the goalposts, maybe you didn't notice that i specifically referenced the urban areas of the country from the outset. I'm originally from the countryside myself, I know very well that property prices haven't recovered there (although 'recovery' seems the wrong word to use, for prices that were wildly inflated to begin with).In any event, rural property isn't really relevant to the housing and homelessness crisis.
A Tyrant Named Miltiades! wrote: » In fairness, it's a fairly common experience, i think it has something to do with the early retirement age of Gardaí, who in recent years have often tended to become landlords as part of their pension plan/ part-time job in retirement. I rented in Dublin before i bought my place, and over the course of about seven years, two of my landlords were retired gardaí. It's only anecdotal, I'm not sure who would possibly gather data on this.
A Tyrant Named Miltiades! wrote: » Property values are higher than they were during the last boom.
ohnonotgmail wrote: » Now maybe i read your post incorrectly, in which case i apologise, but to me this reads like you DO have a problem with who did the removing and unders whos orders it was done.
Topgear on Dave wrote: » It needs to stay on the news because most voters arent renting. Thats why you see politicians celebrating the fact yesterday that 500 gaffs on the northside of Dublin got denied planning.