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Right to a house?

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  • Registered Users Posts: 18,233 ✭✭✭✭Bass Reeves


    If you are a doctor or a solicitor and have been in that career for 15 even ten years it nobody 's fault but yours if you do now own a house at this stage.

    You can have all the hard luck you like but life gives everyone chances. My daughter boyfriend is about thirty. He did a trade but went into a factory about 5-6 years ago. He bought a house about five years ago ( it a large four bedroom house with an office as well as sitting rooms) in a small town outside Limerick. It cost him just less than 200k at the time. There was no bank of mum or dad as he has younger brother and sisters to go through college. He redecorated the complete inside of the house. So sorry it's excuse after excuse

    He had his deposit saved and enough for legal fees. There was plenty of opportunities for anyone that is in there forties to buy they choose not to. Many were on these forums from 2011-2016 bragging how it was much cheaper to rent. Even when house were less than half present prices they would not buy. When prices were beginning to rise in Dublin in 2014 they talked about the double dip and that houses could not possibly rise in value.

    Ya one in ten or twenty may have being really unlucky but with many they were just feckless in the noughties and again after the crash right up to COVID and now are where they are.

    Slava Ukrainii



  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    I never said the individuals lacked civic pride. Have you ever heard of the "broken window theory" you should look it up.

    Where as you are actually automatically saying it is a bad thing without any research on the subject. There is actual research on this and it is known to be better for more people than warehousing people in social housing.


    You 2 are bothered about a sense of fairness to the people who buy their own property and don't think others should be helped out. What you aren't considering is that that includes people with disabilities, illness or old age to name but a few. A friend of mine lived in Coolock in social housing because her brother was severally disabled and the costs resulted in them requiring state aid and housing. It was not pleasant place for her to grow up and actually very dangerous. She literally wasn't safe leaving the house if it was dark outside so she didn't.

    My new neighbour has a disability and is being provided with the house next door. There are 2 careers that stay with him and I have no issue with him being there. You two have the view he should live in a social housing in a rough area created by the state. I don't agree with you and know he would be in danger in such a community because I grew u close enough to such areas to know what they are like. They are neglected by the councils and some of those living there. A few bad apples does destroy the whole barrel



  • Registered Users Posts: 13,145 ✭✭✭✭Geuze


    I am not against mixed housing.

    As you say "a few bad apples destroy the whole barrel", so what I want is swift action against anti-social behaviour by the bad apples.



  • Registered Users Posts: 28,944 ✭✭✭✭Wanderer78


    again, you ll find the bad apples actually have highly complex needs, of which have never truly been addressed, this ultimately leads to even more complex and dysfunctional outcomes, and round and round we go.....



  • Registered Users Posts: 13,505 ✭✭✭✭Mad_maxx


    The kind of people who carry out research on this topic invariably are ideological progressives, predisposed to the kind of conclusions we regularly see



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  • Posts: 0 [Deleted User]


    again


    you wont


    govt resources plowed into those who absolutely refuse to work within the system designed to already cater for their non-participation in any productive way should have a very hard defined limit.

    ive worked housing desks, whats your own experience here btw



  • Registered Users Posts: 28,944 ✭✭✭✭Wanderer78


    i live in a disadvantaged area, you can see many simply have never had their needs met, most have probably never had treatment from mental health professionals such as psychiatrists, psychologists, social workers etc etc, most have never been assessed for their psychological disorders, never mind being treated for them, noting, these are in fact some of the most commons root causes of long term unemployment etc etc......



  • Posts: 0 [Deleted User]


    ok grand i thought it might be something like that alright


    i worked a housing desk myself as i said id probably go with that tbh



  • Registered Users Posts: 28,944 ✭✭✭✭Wanderer78


    yea its very complicated stuff, but we do have very good ideas on why such situations occur, and we do have ideas on how to try prevent them, but theres no guarantees in this area, such are the complexities involved, but its clearly obvious, we have completely failed to even implement what we all ready know, ive had mental professionals confirm this to me, and i can see it for myself, its disturbing really, this approach ultimately fails everybody, including the average taxing paying joe and mary.....



  • Registered Users Posts: 2,643 ✭✭✭scwazrh


    did the post touch a nerve… I’ll summarise your post . excuse , excuse , other people have it easier than me, even high earners can’t buy a house .

    All excuses, if you want to buy a house save like hell , spend nothing , earn more , then buy a house .That’s all there is to it .Some people don’t like simple solutions cause the simple solution involves hard work . If you know any doctors or lawyers that can’t buy a house they must be working for free .



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  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    So you will just dismiss it off hand? Surely you should be able to find somebody with the opposite ideology who have researched and come to a different conclusion. What you are currently saying is academic research can't be trusted and you know better based on ... nothing but fat air.



  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    From friends that dealt with long term unemployed she said it is obvious that many have mental disorders but they can't force them to be evaluated or to seek help. It is like a vicious dog that is the result of mistreatment with a dog they put it down with a person you can't. Ultimately the goal should be to reduce the people being harmed now to prevent them going down the same route. The people we have now are the result of earlier failings. There are factors outside of environment but environment is what can be controlled and planned for.

    The extremes are addicts but there is degrees of everything. In my primary school class I know the outcome of some people.

    I know of some of my 33 fellow class mates

    at least 2 are in prison for a long time

    1 was shot over drug debts

    3 are doctors

    4 bank managers

    1 is a TD

    2 dead from natural causes

    4 with long term illness

    4 guys in and out of prison

    2 alcoholics

    2 dead from road accidents

    1 head of a major company

    After that nothing stands out

    the 6 guys in prison lived in Coolock on 2 parallel roads. One of the doctors also lived there The guy shot was from a nicer area but became friends with the guys in prison now. The alcoholics had alcoholic parents. The guys with terminal illnesses live in council housing



  • Registered Users Posts: 14,183 ✭✭✭✭Dav010


    This comes back to the age old debate about nature or nurture, but I’m struggling to see what your school mates have to do with this thread. I went to a private boarding school, some of my classmates are dead/alcoholics/Doctors/solicitors/addicts etc etc, some even fall into more than one of those caregories.



  • Registered Users Posts: 863 ✭✭✭cbreeze


    About 20 million Americans live permanently in trailer parks, or 6% of the population (2015 stats). People living in direct provision here are also accommodated in mobile home camps. There is much available public land that could be used to accommodate people in family-sized units which the state has already deemed acceptable for those living in direct provision, often for many years. We have, in this country, some reluctance to accept that a home does not need to have fixed foundations to give people a secure place to live, for a time at least until their savings can fund the deposit or until a social housing unit is allocated to them.

    Sections of public parks could be allocated to mobile home parking, with services included, such as communal showers and laundry services. Starting off: the grounds around Aras an Uachtarain could accommodate a sizeable number. The President show his concern and give a good example by welcoming the first convoy through the gates.



  • Registered Users Posts: 2,338 ✭✭✭Bit cynical


    However on the other hand, if private investors were excluded and the market then limited to owner occupiers, far less money would be entering the market, prices would drop and developers would have less incentive to build units thus causing rents to go up.



  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    You completely missed the point. It is not "nature or nurture" no matter what the environment you are being raised in causes issues. It is not even something to discuss it is a known issue. How many of your class mates are in prison? How many murdered somebody? You may very well have no idea what I am talking about if you went to private boarding school as that is so removed from me I have no idea what your school days were like. I doubt you had nearly as many interactions in peoples' homes as I did growing up. Some class mates homes were very grim



  • Registered Users Posts: 14,183 ✭✭✭✭Dav010


    One that I know of, you have heard of him.

    This is precisely what nature v nurture debate is about, is it the environment or is it the person, not all people brought up in poor environments are addicts and criminals, not all people brought up in stable affluent environments are virtuous and good.



  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    Crime of passion or hire because that was 3 of my class mates. There are outliers

    No it is about being nurtured by your family. The unknown is how you react to a standard environment. We know exactly what happens to people who live in high crime areas. I come from a privileged background compared to many but you were at another level completely there is no way you have the experience of seeing poverty like I did. Ever go to a persons house to find their parents sold the carpet and furniture?

    I'll keep it in pop cultural references. Most people saw The Wire, a whole season shows the kids growing up and how their futures are determined by the environment. If you didn't get that from the show you won't get it in real life.



  • Moderators, Business & Finance Moderators Posts: 10,065 Mod ✭✭✭✭Jim2007


    It did not solve the housing crisis in the 60s, 70s, 80s....... in fact it has never solved the problem in any anglo-sphere country, but if you want to continue banging that drum.....of ya go.



  • Registered Users Posts: 506 ✭✭✭asdfg87


    I remember hearing about this several months ago but never though to check until now, i have just opened so have no opinion.



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  • Posts: 0 [Deleted User]


    You want to move people out of the communities they have lived in their whole lives because of poor planning and open doors migration policies?



  • Registered Users Posts: 8,184 ✭✭✭riclad


    I would presume most working people over 30

    would buy a house if they could afford if it was

    somewhere any way near where they work . Most people rent because they have no choice unless it's a council property

    There's probably many reasons why building slowed down , my theory is governments plan maybe 4 years ahead . Builders were busy building hotels and offices or else they left Ireland after 2008. It's like the boiling frog meme. Prices went up but by bit House supply was falling, house prices went up every year. I don't know what a marquee car costs. I just remember apartments in dublin were always 130 to 150k in most areas after 2010.

    One of the tasks of an adult is to look after your finances rent mortgage etc if you spend 10 minutes reading about it you will find house prices tend to rise in the long run if you think in terms of 20 to 30 years its cheaper

    After 2008 alot of people were in negative equity , so the government was happy to see house prices rising . Landlords are leaving the sector due to the taxs, land Lords have to pay about 50 per cent tax, if a tenant stops paying rent it takes 12 months to get them evicted.

    I listened to rte radio, person on the panel said Irish rents are among the highest in Europe along with London .



  • Moderators, Business & Finance Moderators Posts: 10,065 Mod ✭✭✭✭Jim2007


    People need to stop this comparison with the the UK crack because all we have in common is the language and the legal structure. The UK per capita GDP is around 41k and Ireland is around 83k, you can’t expect similar prices with a 50% difference no matter how people try to argue otherwise - the gap is just too big.

    When we have visitors from abroad come visit us here in Switzerland, the only ones who are not shocked by the prices are the Irish. But then Swiss GDP is only 3K higher than Ireland.



  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    I literally said they should be able to down size in the area they live so the answer is no I don't want them to move out of their community. I am not sure what crisis means to you but it doesn't matter how you get there it is something you deal with. We don't have an open door migration policy no matter how you like to say it. There are restrictions on who can migrate here outside of the EU. You basically have to show you have a skill we need. If migration is stopped I would get paid way more but then the companies wouldn't be able to work as they wouldn't have enough skilled staff. THe IT companies may not pay massive tax but my tax contributions and that of the immigrants taxes pay more than average so help the country in many ways.



  • Registered Users Posts: 28,944 ✭✭✭✭Wanderer78


    ...it depends what you mean by 'solving', such definitions are critical in debates? yes, there most certainly has always been serious problems in relation to housing, even during these decades, but its clearly obvious, financialisation has introduced even more complexities, and is now leading to wide scale global failures, in relation to supply and pricing, and other extremely complex social issues! this can be clearly seen in nearly all metrics now, i.e. its clearly failing, and dramatically so!



  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    When was property and housing not finacialised? When did it start?

    As far as I can see it always has been as in hundreds of years it just was in less hands.



  • Registered Users Posts: 28,944 ✭✭✭✭Wanderer78


    yea this is debatable, but id argue, modern financialisation in the Irish market truly began in the mid 90's, this is very evident when you look at private debt levels, as private debt, i.e. credit, becomes an even bigger part of markets, i.e. it increases, and significantly so, leading to a significant rise in overall prices....




  • Registered Users Posts: 11,465 ✭✭✭✭Ush1


    Because households had two working adults so could get a bigger mortgage.



  • Registered Users Posts: 28,944 ✭✭✭✭Wanderer78


    chicken and egg, which came first? by encouraging this approach, we have created positive and negative feedback loops, its clearly obvious that pricing is spiraling out of control, largely due to the rapid increase in credit into our markets, again, this is currently occurring in most countries that have attempted the same approach! credit ultimately comes from the financial sectors, as this is in fact the primary reason for their existence, i.e. credit creation, now we have gotten to a level of private debt thats simply unsustainable, and has in fact become extremely unstable, and extremely dangerous, leading to frequent and serious crisis!



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  • Registered Users Posts: 8,364 ✭✭✭Ray Palmer


    That really doesn't make for proof as pointed out there was a change to economic earning due to an increase of work forces and dual income households. How is it different from when few people owned the land and charged rent and borrowed on the land they owned. Previously it was heavily tied to the country and the elite. Long history of royalty bankrupting countries and causing wars over it or just to fund wars. Main objectives were to increase the land and "tax" payers.


    What is actually different? It seems the rarity is actually when it wasn't finacialised which was mostly driven by WWI and WWII and the massive scale of destruction along with huge financial input for social need. The actual cost of similar social scale housing now is larger and we didn't have so much of the landlowners dying due to war and disease ( Spanish Flu).

    You seem to be looking for a situation that was a blip and requires some drastic amount of death, money and land. In Ireland we sold our social housing as neoliberal decision to boost the powers of the population. Removing the right to buy on social housing would be a very unpopular political move as it helped so many but it is effectively giving free money away. We can't as a country afford it.



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