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Why have we never seen another SSIA scheme?

BillyHaelyRaeCyrus

It seems crazy to me that the government has never created another SSIA scheme. It would solve most of the issues they have with the electorate.

Take Housing:

People paying rent cannot afford to save the vast amount of a deposit

An SSIA would cover the deficit.

If the government timed it right and it gave say 100,000 renters a real home they would be elected in a landslide

Take Cars/Holidays:

People who struggle with the cost of living could suddenly have a dream holiday or buy a nice car when the savings matured. Time this for an election year and hey presto, people feel like their lives are good/economic conditions are good and elect the goverment back in.

Considering the massive surplus the state has it amazes me that they are doing none of the things that made FF in the 2000s so popular with the electorate (public pay rises, 100% mortgages, SSIA etc)

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BillyHaelyRaeCyrus

https://www.boards.ie/discussion/comment/121621088#Comment_121621088

But is someone not better off having mortgage arrears and being a home owner (ie no housing crisis) instead of having to rent? You dont have to grasp what renting in Ireland is like and how renters are seen by the home owning majority.

Anyway I just find it hard to understand why the government does none of the things that made FF so popular with ordinary people in the celtic tiger, outside of the fact they want to maintain artificially high house prices to keep their voters happy even if the sacristy they create locks a generation out of adult life and collapses the birth rate.

unknown

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BillyHaelyRaeCyrus

https://www.boards.ie/discussion/comment/121621117#Comment_121621117

What do you mean? The government is totally rolling in dough at the moment from their corporate tax receipts.

L1011

https://www.boards.ie/discussion/comment/121621115#Comment_121621115

Someone in severe mortgage arrears in many cases has no actual ownership in the home; and by holding it and keeping it off the market is increasing the cost of houses for you. And they're probably going to be booted out eventually, so they have no security in their difficult position either.

Your "people look down on renters" thing is just you - its in your mind. Its not real. You need to look at getting therapy for this rather than posting countless threads on here about it.

The current Government realise that those things that made FF popular were exceptionally stupid and damaging, and caused much of the current problems. That's why they're not doing them. Thank feck.

unknown

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I.R.Y.E.D

https://www.boards.ie/discussion/comment/121621079#Comment_121621079

You have been told multiple times with examples with this account and your previous account that you are wrong about what you posted here again.

BillyHaelyRaeCyrus

https://www.boards.ie/discussion/comment/121621133#Comment_121621133

Ok, so Ive never heard of anyone ever losing a house after buying one, never. Almost everyone I know who has rented has had some kind of no fault eviction and many had to move home due to job losses in covid etc (while the mortgages all got frozen). So you absolutely have security in not paying a mortgage. And when a mortgage holder does default doesn't the state buy the place and make them council tenants? That totally happen during the crash.

And do you really think renters are viewed as mature and decent like home owners are? Because if thats actually the case and you can prove it (instead of the common view that renters are dead money), I would not have a housing crisis and be able to feel happy as I quite like my rental (apart from the stigma of not owning it)

L1011

https://www.boards.ie/discussion/comment/121621163#Comment_121621163

Mortgage to rent came in after the crash and has happened less than 1700 times to date.

You need to talk a therapist about your feelings, not a random forum poster. They are your feelings, not a widespread thing, and you can work through them with someone qualified.

unknown

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Podge_irl

https://www.boards.ie/discussion/comment/121621145#Comment_121621145

A lot of stats for the corporate tax receipts for the first 15 days of the year floating around?

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BillyHaelyRaeCyrus

So will the good times ever return or is renting now going to be long term for people?

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Widdensushi

https://www.boards.ie/discussion/comment/121621145#Comment_121621145

Tax take was higher in 23 than ever before,are you on about 24 ?

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[Deleted User]

https://www.boards.ie/discussion/comment/121620888#Comment_121620888

If you didn't spend it on games, computers, etc, you'd spend it on something else.

I always think of the stupid stuff I bought over the years and think "If only I hadn't 'wasted' that money...I could have x, y or z" but that's not how it works.

It's like fag smokers "I've spent tens of thousands in my life on cigarettes and if I didn't I'd have a, b or c."

But that's not how things work, people have interests/needs and if you remove one interest/need you'll replace it with another.

BillyHaelyRaeCyrus

https://www.boards.ie/discussion/comment/121621328#Comment_121621328

but the government still has massive amounts of money in can spend but isnt. Pascal is literally storing a rainy day fund

If an SSIA scheme wont work, can someone tell me why my generation are the first in the history of post independence Ireland to have landlords and face renting long term? I get in the past people may have rented for 4 years in college or 2 years after arriving in a new city or while waiting for their house to be completed.

Widdensushi

https://www.boards.ie/discussion/comment/121621328#Comment_121621328

Corporation tax was also up,no need for the digs and stop stating lies as facts.

SeanW

The SSIAs were a bonkers idea the first time around. Now, it would make much more sense to spend public money on transport infrastructure like the DART Underground, nationwide railway electrification, Luases in Irelands smaller cities, public authority housing etc.

Podge_irl

https://www.boards.ie/discussion/comment/121621328#Comment_121621328

They literally were not

https://www.gov.ie/en/press-release/cb77b-exchequer-surplus-of-12-billion-in-2023-tax-revenue-in-line-with-expectations-ministers-mcgrath-donohoe/

Corporation tax receipts of €23.8 billion were €1.2 billion (5.3 per cent) up on 2022, more modest growth than in recent years;

Podge_irl

https://www.boards.ie/discussion/comment/121621349#Comment_121621349

Dozens of people have told you at this point, you just have no interest in listening.

BillyHaelyRaeCyrus

https://www.boards.ie/discussion/comment/121621373#Comment_121621373

But you have not answered.

Why are my generation the first in a century to have to private rent long term (or in many cases live at home in multi-generational households). Just explain it because I dont get it

unknown

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SeanW

https://www.boards.ie/discussion/comment/121621381#Comment_121621381

The lack of SSIAs did not cause that problem. The money pissed away on SSIA incentives could be used to build social housing, transport infrastructure and other things that would actually help alleviate the accommodation mess.

Podge_irl

https://www.boards.ie/discussion/comment/121621381#Comment_121621381

Because there isn't enough housing. It is a supply side issue not a demand side issue and constantly juicing up the demand is not helping anything.

Your idea that juicing up the supply side slightly will somehow result in a construction boom is fantasy.

unknown

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BillyHaelyRaeCyrus

https://www.boards.ie/discussion/comment/121621404#Comment_121621404

so was wont the government just build them instead? We have never had a time in modern history when they couldnt build. They built in the 30s - 80s and didnt have to build after that because the private sector took care of it up to 2008. Crumlin was built by unskilled labourers and Ballymun type towers (that all of Europe is full of) is assembled on site by unskilled labour and built in factories by machines

L1011

https://www.boards.ie/discussion/comment/121621461#Comment_121621461

Because there is a severe shortage of builders. Builders take time to train. Its also a physically destructive career (across nearly all the trades) so many leave to go do another job in their 40s or 50s, physically unable to work at building anymore. There is also demand for all those trades globally, so we aren't just competing with other projects here, we're competing with building sites in Australia, and Qatar, etc

If there was an easy answer it would have been done by now.

BillyHaelyRaeCyrus

https://www.boards.ie/discussion/comment/121621458#Comment_121621458

Id be happy for all the celtic tiger non payers to lose their homes. Considering us renters can be evicted its only fair you should be too. My generations only fault is being born in the 90s and not working in tech