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Affordable Houses are crap

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Comments

  • Closed Accounts Posts: 1,444 ✭✭✭Cantab.


    Victor wrote:
    Perhaps, but I think part of it is the psychology of knowing how to fill in the forms "right".

    :D


  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    The amount of BS on this thread is crazy.

    Afforable houses are crap........if you don't like what's on offer, then rent, or better yet...........improve your career so you can buy where you want.

    Seriously, some of you a$$holes make me sick..........oh noes I can't get a 4bed semi D with a master ensuite and a nice garden, what am I to do? :rolleyes: It's very hard to get your ideal home first time around so why not make a sacrifice first time around and build up your equity so you can buy in a nicer area in a few years.


  • Registered Users, Registered Users 2 Posts: 500 ✭✭✭warrenaldo


    exatly kenny
    totally agree - and the affordable housing is a scheme that does just that.
    lots of people have taken these "crap" places and are very happy with them.
    So if ya dont like it - then dont do it.


  • Closed Accounts Posts: 1,444 ✭✭✭Cantab.


    warrenaldo wrote:
    So if ya dont like it - then dont do it.

    True. But the crux of this discussion is why government are effectively giving money to people on high wages, whilst those on low/medium wages are excluded.

    Government tax money should not be used for enhancing the personal wealth of already privilidged citizens.


  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    Cantab. wrote:
    True. But the crux of this discussion is why government are effectively giving money to people on high wages, whilst those on low/medium wages are excluded.

    Government tax money should not be used for enhancing the personal wealth of already privilidged citizens.

    Well there's still repayments involved so surely the lower end people would not be able to make them? How much do people expect the government to subsidise?


  • Registered Users, Registered Users 2 Posts: 500 ✭✭✭warrenaldo


    yes but the whole point is that the people on these HIGH wages. although they seem high! these people are still first time buyers who cannot afford to buy there own place in dublin. People on 45k a year wont get anyway near a mortgage for a 2 bed appartment even.
    Now fair enough when it moves up to the higher end its a bit different.
    But its still helping out strugling first time buyers.

    And the main reason that they have these income limits is that no1 under 45k can afford the repayments on those properties.

    Only option would be to sell the properties cheaper so lower income people can afford them.


    Personally i dont see why they cannot give the properties to the people who have been waiting a long time on the affordable housing list.
    Seems a disgrace to me that people who have been waiting for a year + (2 years from opne poster) on affordable housing lists are just overlooked for these schemes.


  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    warrenaldo wrote:
    yes but the whole point is that the people on these HIGH wages. although they seem high! these people are still first time buyers who cannot afford to buy there own place in dublin. People on 45k a year wont get anyway near a mortgage for a 2 bed appartment even.
    Now fair enough when it moves up to the higher end its a bit different.
    But its still helping out strugling first time buyers.

    And the main reason that they have these income limits is that no1 under 45k can afford the repayments on those properties.

    Only option would be to sell the properties cheaper so lower income people can afford them.


    Personally i dont see why they cannot give the properties to the people who have been waiting a long time on the affordable housing list.
    Seems a disgrace to me that people who have been waiting for a year + (2 years from opne poster) on affordable housing lists are just overlooked for these schemes.

    Oh right, so because people can't afford to live in Dublin, they should be given cheap houses so they can stay here..............BS!!!! If you can't afford to live somewhere then you find somewhere you can afford. The whole handout attitude in Ireland is a joke.

    A person making €45k, could get qualified for mortgage payments of up to about €1250, which imo could get you a nice place outside of Dublin and there's lots of them vacant.


  • Registered Users, Registered Users 2 Posts: 500 ✭✭✭warrenaldo


    So what your saying is that anybody who was born in dublin and grown up there with their family. If they havent got a well payed job - then tough ****.

    If its a single parent with a kid who cant afford to buy in dublin. they have to move away from all family and friends in order to get a place?

    thats the situation that is facing a friend of mine. the council will give her a council house - but if she takes it then she cannot work. she must stay at home. she wants to work - so her only option would be to move away from her life in dublin


  • Registered Users, Registered Users 2 Posts: 500 ✭✭✭warrenaldo


    So what your saying is that anybody who was born in dublin and grown up there with their family. If they havent got a well payed job - then tough ****.

    If its a single parent with a kid who cant afford to buy in dublin. they have to move away from all family and friends in order to get a place?

    thats the situation that is facing a friend of mine. the council will give her a council house - but if she takes it then she cannot work. she must stay at home. she wants to work - so her only option would be to move away from her life in dublin


  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    Yes, I suppose I am saying TS. It's not the government's responsibility that your friend (or anyone else for that matter) can't afford to live in Dublin......regardless of their circumstances. If they want a house in Dublin then it's going to cost..........a lot. I feel sorry for the people that can't afford to live near friends/family but there's an ever increasing amount of them due to the high prices. It's a sh!t deal but you have to take what life gives you and make the best of it.


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  • Registered Users, Registered Users 2 Posts: 500 ✭✭✭warrenaldo


    yes but if this or any other government want to stay in power then they are going to have to offer some sort of scheme.

    and yes it is giving houses cheap to people.

    But thats what people want. maybe you dont want your tax money spent on that but a lot of people want there money spent on it.

    Its an issue that all familys think about. No mother or father want there kids to live miles away down the country. visa versa(well most cases)

    Its a major political issue and if any government offered to stop affordable housing - ie cheap houses(like you suggest) then they dont have a hope in the upcomming election.


  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    So how much do you propose they give off each property? 10%/20%/30%/40%?????

    We may as well resort vote Sinn Fein in as they'll be likely to administer communism so that this whole "Gimme gimme gimme" attitude can be satisfied.

    Explain to me why it's the government's responsibility to keep families together? In as little BS as well, if you don't mind.


  • Registered Users, Registered Users 2 Posts: 8,219 ✭✭✭Calina


    Kenny 5 wrote:
    Yes, I suppose I am saying TS. It's not the government's responsibility that your friend (or anyone else for that matter) can't afford to live in Dublin......regardless of their circumstances. If they want a house in Dublin then it's going to cost..........a lot. I feel sorry for the people that can't afford to live near friends/family but there's an ever increasing amount of them due to the high prices. It's a sh!t deal but you have to take what life gives you and make the best of it.

    I have to call you out on this, sorry. This might be an acceptable position if property in Ireland, and Dublin in particular wasn't so totally out of kilter with key economic fundamentals such as rental yield, and salaries. The problem is that it is.

    While I don't blame the government for a mass outbreak of stupidity by many Irish people who have been paying far too much for property for the past five years, I do think that they could have done something about the general economic vandalism carried out by the banks. The fact is housing prices wouldn't be what they were if banks hadn't been so lackadaisical about lending criteria. 15 years ago you needed an 8% deposit and could only borrow up to three times your salary. Today you don't necessarily need that deposit, because hey the banks don't care if you can save money or not. And you can borrow up to 6 to 10 times your income if you can prove that you'll probably get a massive payrise within two or three years. In short, banks have been lending recklessly and we are all going to pay the price for it.

    It is appalling that our regulatory structures could allow this to happen, and the government are responsible for that.


  • Closed Accounts Posts: 1,444 ✭✭✭Cantab.


    warrenaldo wrote:
    So what your saying is that anybody who was born in dublin and grown up there with their family. If they havent got a well payed job - then tough ****.
    And I suppose farmers sons and daughters are entitled to inherit the farm virtually tax free as well I suppose? Oh wait, they're "professional farmers". Have you ever been down to one of those Teagasc courses in Gurteen College, Co. Tipperary? Well I went with a mate of mine who is a poor farmer from Waterford (1000+ acres), and I never saw so many 21-25 year olds driving Range Rovers in all my life.

    That's ok then in your book? Government subsidies for people so they can live beside their families? Poor divils.

    NOBODY IS ENTITLED TO OWN ANYTHING. Renting is the perfect option if you can't afford to buy. If you can't afford to rent, then f'ing well go down to your local authority who'll put a roof over your head beside your family for nothing.

    So don't expect the taxpayer to pay your mortgage for you. We'll help you if you're down-and-out, but otherwise, you're obliged to help yourself. Unless of course, you have some new revolutionary social policy that you'd like to enlighten us with?
    warrenaldo wrote:
    If its a single parent with a kid who cant afford to buy in dublin. they have to move away from all family and friends in order to get a place?
    Have you ever heard of local authority housing? I suppose a bus fare and a bit of inconvenience would be too much to ask of someone who isn't working? And if living beside your family is of such profound importance to your family, why doesn't your beloved family move to a cheaper area nearer to where you find yourself situated?
    warrenaldo wrote:
    thats the situation that is facing a friend of mine. the council will give her a council house - but if she takes it then she cannot work. she must stay at home. she wants to work - so her only option would be to move away from her life in dublin
    Tell her to get two jobs and stop complaining. She has no excuses in a booming economy. If she's uneducated, tell her to go on a FAS course. If neither of that is good enough for her, she'll get €185 a week tax free giving her plenty of time to start work on her next novel. Life's tough. It's time people got a bit of work ethic for once. I know disabled and handicapped people who are well-capable and proud of their work.


  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    100% agree with you Cantab.

    Life is about choice........your choices are limited by your income so you've to make the best decisions you can within your expenditure limits..........which is something Irish people don't seem to have got the hang of with all the debt (apart from mortgages) in this country.
    Cantab. wrote:
    NOBODY IS ENTITLED TO OWN ANYTHING. Renting is the perfect option if you can't afford to buy. If you can't afford to rent, then f'ing well go down to your local authority who'll put a roof over your head beside your family for nothing.

    The above comment sums it up.


  • Closed Accounts Posts: 11 BingoWings


    I think a certain amount of this "you have the choice to rent" argument is rubbish.

    After years of renting in Dublin, and being moved pillar to post because the landlord decided to up the rent by 100% or sell the house/apt, I gave up on the rental maket and bought. Renting in the long term is still not a realisitic option for people in Ireland - especially those with kids. Normal leases are 1 year. When 5 or 10+ year leases become the norm, attitudes might change.


  • Closed Accounts Posts: 57 ✭✭Brooklyn74


    BingoWings wrote:
    After years of renting in Dublin, and being moved pillar to post because the landlord decided to up the rent by 100% or sell the house/apt, I gave up on the rental maket and bought. Renting in the long term is still not a realisitic option for people in Ireland - especially those with kids. Normal leases are 1 year. When 5 or 10+ year leases become the norm, attitudes might change.

    That's a good point. There's also a severe lack of protection for renters in this State. The establishment of the PRTB was a step in the right direction but didn't go nearly far enough. Renters are always going to be more vulnerable to exploitation than owners.


  • Registered Users, Registered Users 2 Posts: 8,219 ✭✭✭Calina


    I'm a bit disappointed by some of the elitism. No body maybe entitled to own anything, but they sure as hell are entitled to aspire to it.

    Regarding whinges about tax handouts to help poorer people not earning enough to buy their houses: the issue is this. The affordable housing initiative exploits people who are currently out of the housing affordability net, not aids them. What AHI does is support developers who are having trouble shifting units. If you believe that it is anything else, then you are wholely naive. Those developers wouldn't be selling units to the government if they were being easily sold on the open market.

    On the subject of if you can't afford to live in Dublin, then move somewhere else or get two jobs or whatever. Those, I think, are the words of someone who does not expect to have to do either. The truth is no city can function effectively on people who do the elite jobs only. Some people have to sweep the streets and I imagine that you'd baulk at paying them the 80K a year required to buy a tiny apartment. We - collectively - are not well served by creating an economy where a) 16% of the properties are unoccupied b) one bedroomed apartments are out of the reach of anyone earning less than double the average salary forcing a massive amount of commuting and the corresponding environmental cost c) local communities are fragmented by long distance commuting and or a large amount of empty property.

    The problem - as I see it - is that in this country, stuff has been coming down to brass tacks. Money, money, money and how you can make more of it, without actually haven't to work too hard for it. Ultimately there is no such thing as a free lunch and in reality we have a lot of fairly useless investorbox property and a lot of people commuting and collectively we are going to wind up paying for it. Unfortunately, because it's not money that it's costing up front, a lot of people in this country are too foolish to realise it.


  • Posts: 0 [Deleted User]


    Well Said Calina


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  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    Calina wrote:
    On the subject of if you can't afford to live in Dublin, then move somewhere else or get two jobs or whatever. Those, I think, are the words of someone who does not expect to have to do either.

    I had 3 choices - Rent where I'm from, Buy a nice house down the country or buy a small apartment in Dublin. I choose the later, it's not ideal but it's all I could afford and it's not even close to where my family is. There is affordable housing in the complex. (it was bought with my gf just so you know)

    Cantab chooses to rent in Rathmines. As he said, he'd have to settle like I did for somewhere that probably wouldn't be his first choice.

    It's a fact of life that you if you can't afford anything then you need an alternative so moving out of dublin is an option or to an undesirable area which of course the people don't want to do.

    My parents were given a house to rent in Tallaght 20 years ago as they were on the council's list for a long time. They didn't turn their noses up at it like some of the people on here are, like the ungrateful gits that they are.


  • Closed Accounts Posts: 13,249 ✭✭✭✭Kinetic^


    Calina wrote:
    I'm a bit disappointed by some of the elitism

    I'm going to presume you're talking about some of the people that won't live in the property that they're being offered.


  • Closed Accounts Posts: 11 BingoWings


    Calina wrote:

    On the subject of if you can't afford to live in Dublin, then move somewhere else or get two jobs or whatever. Those, I think, are the words of someone who does not expect to have to do either. The truth is no city can function effectively on people who do the elite jobs only. Some people have to sweep the streets and I imagine that you'd baulk at paying them the 80K a year required to buy a tiny apartment. We - collectively - are not well served by creating an economy where a) 16% of the properties are unoccupied b) one bedroomed apartments are out of the reach of anyone earning less than double the average salary forcing a massive amount of commuting and the corresponding environmental cost c) local communities are fragmented by long distance commuting and or a large amount of empty property.


    Agreed.

    A scheme for key workers (teachers, police force, nurses etc) should be introduced - possibly with a higher priority than those in the lottery affordable housing schemes.


  • Closed Accounts Posts: 122 ✭✭KingKenny7


    Cantab

    Do you have a problem with people buying (lack of buying but more trying to buying) houses.
    You seem to be popularising a renting population.
    My point of view is that, people should be allowed to buy a house at a price that is acceptable to the popualtion. What you are advacating is that the people who own two + houses make their money in rent and buy more, while the average person is trying to buy cant and is stuck renting, throwning money down the drain, having his rent increased every year, being told to move out after his lease, and when they reach the retirment age, go do the council and get a granny flat coz they have no additional money for rent.

    There is a fact here, where the're shared ownership before?? No why was that? Becasause greedy builders, and greedy speculators with their ever so greedy friends in government we're too busy ripping of companies, then they seen a market for the people.

    Wasnt it the case you only got 3 times your salary in a mortage, now its up to 10 (if lucky) mainly 6-7 times. I heard of bad inflation,but that takes the biscut.

    The shared ownership/affordbale housing is the government buying houses to keep the market up. Our country is messed up, and suddenly we will all feel it badly


  • Closed Accounts Posts: 1,047 ✭✭✭bill_ashmount


    BingoWings wrote:

    A scheme for key workers (teachers, police force, nurses etc) should be introduced - possibly with a higher priority than those in the lottery affordable housing schemes.

    Why??????


  • Closed Accounts Posts: 17 msscarlet


    Have been on affordable homes list since August 2004. Two girls that I know have got a letter this week advertising for affordable homes at 3 developments at Dublin 13. One development is Beaupark. I didn't receive letter will call DCC tomoro to ask why????

    The first time I got entered in a draw with Dublin City Council was as a result of a newsletter sent MAY 2006. Beaupark was not advertised on the Affordable Homes Newsletter in May 2006.


    I rang Dublin City Council on a regular basis from August 2004 until Jan 2006, When I applied for affordable housing the application form stated that points are awarded based on length of time spent on panel, income, residency in Dubln among other factors. In Feb 2006 I was told they had changed the scheme it no longer mattered how long I spent on Council list as they had changed the scheme. They said that a newsletter will be out advertising available properties in May 2006. And that I would have 3 chances in the draw. Was furious about new scheme.

    I think they are in breach of contract as the scheme that I paid to enter was now dissolved and replaced with something that was of far less benefit to me. Old scheme the longer you were on list the more likely you would be offered an affordable home. New scheme you could be on a list for 1 month and be offered a home.



    How did some people know about Beaupark back in early 2006 ? Were they council officials or their friends or families.
    Check out this website people are talking about moving into their properties securing shared ownership loans etc. Seems to be affordable housing that they are talking about.

    See this post http://www.beaupark.com/viewtopic.php?t=484&postdays=0&postorder=asc&start=0



    Same thing happened with Northern Cross!

    A post holder has stated that he was offered affordable homes at Northern Cross a few weeks ago. Yet Northern Cross was advertised on November Newsletter the draw for the November News letter is between 19th Feb and 28th Feb. Rang Council Today they said lucky applicants will be informed by letter later this week.

    WHY ARE SOME PEOPLE BEEN EXCLUDED FROM DRAWS???????????????????????
    These are the two areas that I have found out about there are probably loads more.


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  • Registered Users, Registered Users 2 Posts: 78,610 ✭✭✭✭Victor


    BingoWings wrote:
    Agreed. A scheme for key workers (teachers, police force, nurses etc) should be introduced - possibly with a higher priority than those in the lottery affordable housing schemes.
    I reapeat the question of "why?", but also note that gardai are paid a rent allowance, whether they are renting or not.

    And why should a nurse, with job security and better access to a mortgage get anything over and above a shop or factory worker?


  • Closed Accounts Posts: 17 msscarlet


    Have to agree why should nurse or garda get priorty? They can avail of overtime get extra shift allowances, garda get rent allowances, boot allowance, uniform allowance,etc. The gardas get boots free, uniform free so the extra money is for cleaning their boots and unifrom. The rest of us have to dress for work but we don't get a uniform or money for washing our work clothes.
    While we need Nurses and Guards, We also need Bus Drivers, Shop workers, Dustbin men, Tradesman, Bank Officials, Deliveriy Drivers, Bakers, Butchers, Barbers, Hairdressers, Doctors, Opticians and every other sort of occupation to cater for all our needs on a daily basis.

    Think it should be on a first come first served basis.
    Only fair and tranparent way of doing things.
    At least if you knew you were 422nd on list you could guestimate how long it would take to get apartment. Current lottery with DCC there is no guarantee that you will ever be offered an apartment.


  • Closed Accounts Posts: 3,807 ✭✭✭chump


    Victor wrote:
    I reapeat the question of "why?", but also note that gardai are paid a rent allowance, whether they are renting or not.

    And why should a nurse, with job security and better access to a mortgage get anything over and above a shop or factory worker?

    KEY WORKERS?

    *shakes fist* *shakes head* *shakes hips*


  • Closed Accounts Posts: 3,807 ✭✭✭chump


    msscarlet wrote:
    Think it should be on a first come first served basis.
    Only fair and tranparent way of doing things.
    At least if you knew you were 422nd on list you could guestimate how long it would take to get apartment. Current lottery with DCC there is no guarantee that you will ever be offered an apartment.

    This just shows how flawed the whole thing is.

    If the majority of people who apply for affordable housing don't get it, because the luck of the draw - what happens them?

    Well, they get along and survive.

    So - where was the need for them to be on the list in the first place?
    Same goes for the "random" people who got it.

    Affordable housing, of any form or shape, should be for those in serious NEED.

    And IMO the vassssst majority of people who 'get lucky' in the scheme could have gotten on just fine without any assistance.


  • Closed Accounts Posts: 1,444 ✭✭✭Cantab.


    Victor wrote:
    I reapeat the question of "why?", but also note that gardai are paid a rent allowance, whether they are renting or not.

    And why should a nurse, with job security and better access to a mortgage get anything over and above a shop or factory worker?

    I'd say a garda/nurse would be eligible for at least 10% more of a mortgage - or equivalently, a 10% pay rise.

    I'd imagine if you were working as a software engineer in the private sector, you'd have to work damn hard to earn an extra 10%. Oh and as for overtime? Overtime? It's taken you how long to write that piece of code I assigned to you yesterday? Well, just try justifying your programming ineptitude to your boss.


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  • Closed Accounts Posts: 1,444 ✭✭✭Cantab.


    KingKenny7 wrote:
    Cantab

    Do you have a problem with people buying (lack of buying but more trying to buying) houses.
    No, as long as they pay for them themselves. No problem at all. Just don't expect me to pay for it, especially when a lot of the people getting affordable housing probably earn decent wages that affords them a life of luxury.
    KingKenny7 wrote:
    You seem to be popularising a renting population.
    I have no idea know what you mean by this.
    KingKenny7 wrote:
    My point of view is that, people should be allowed to buy a house at a price that is acceptable to the popualtion.
    Ok, let's get it all clearly out in the open here: when you say "should be allowed to buy a house", does that mean, by implication, that citizens have a right to buy a house?

    When you say "acceptable to the population", do you mean some form of government pricing control? Are you a socialist?
    KingKenny7 wrote:
    What you are advacating is that the people who own two + houses make their money in rent and buy more, while the average person is trying to buy cant and is stuck renting, throwning money down the drain, having his rent increased every year, being told to move out after his lease, and when they reach the retirment age, go do the council and get a granny flat coz they have no additional money for rent.
    Firstly, I say fair play to those who have stuck their necks out and leveraged themselves to the hilt so that they can acquire property. If they've made money on the back of a booming economy, then fair dues to them. They took a risk, put their money where their mouth was and won.

    As for the average Joe "stuck renting", well he's not "throwing his money down the drain" - he's paying for a service - you do know the difference between paying for a product and paying for a service, don't you? And besides, average Joe is probably saving himself a fortune by living in leafy Dublin 6 and putting his money into a savings account. And if the dishwasher should break down, well, the landlord's number is over the fireplace and loves hearing from his tenants when he's busy having his lunch/walking his kids in the park.
    KingKenny7 wrote:
    There is a fact here, where the're shared ownership before?? No why was that? Becasause greedy builders, and greedy speculators with their ever so greedy friends in government we're too busy ripping of companies, then they seen a market for the people.
    Ya, ya, ya. That's Ireland for you. I discovered this about a year ago. You gotta just play your hand and accept that life's tough. I can see your point though that certain sections of society finding it tougher because of poor planning, corrupt zoning, dodgy contracts, favourtism, etc. The corruption at government level affects real people and there is a consequence to what has been going on. That said, I don't see how I, as an individual, can change all this, it's easier to go along the path of least resistance and get on with your own life.
    KingKenny7 wrote:
    Wasnt it the case you only got 3 times your salary in a mortage, now its up to 10 (if lucky) mainly 6-7 times. I heard of bad inflation,but that takes the biscut.

    The shared ownership/affordbale housing is the government buying houses to keep the market up. Our country is messed up, and suddenly we will all feel it badly
    Yup. I am fearful about the short/medium term future of Ireland. But as we write, the boyos are all off playing golf in Portugal, laughing themselves all the way to the bank.


  • Closed Accounts Posts: 11 BingoWings


    Victor wrote:
    I reapeat the question of "why?", but also note that gardai are paid a rent allowance, whether they are renting or not.

    And why should a nurse, with job security and better access to a mortgage get anything over and above a shop or factory worker?

    Key Workers are not just Nurses and Gardai, but a broad number of people working the social services sector, like Teachers, social workers, Heath care assistants, Support workers, Cleaners etc etc.

    Without these people working in say Dublin, the city would be in trouble. There are plenty of positions outside Dublin where these people could get paid the same salary, but there needs to be an incentive to keep these people working in the city. The UK uses social housing in London as a way to keep these generally low - medium salaried people in the city and its worked.

    Imagine Dublin city, with a population of over 1.5 million and only 100 nurses or 50 teachers to educate all the kids?

    A nurse spends 4 years + college and on job training, comparing them to a factory worker or a shop assistant isn't comparing like with like...


  • Registered Users, Registered Users 2 Posts: 8,219 ✭✭✭Calina


    BingoWings wrote:
    A nurse spends 4 years + college and on job training, comparing them to a factory worker or a shop assistant isn't comparing like with like...

    That isn't a reason, per se.

    I'm not arguing against the idea of keeping a mixed society - don't get me wrong. But I spent six years in university and I'm not a socially critical person. I just run a computer system.

    The problem is most people crave stability in their lives. That is why so many Irish people want to buy property, even if they can't afford it. Rental doesn't give them that stability. If you bring about a situation where critically important workers such as nurses, doctors, teachers and gardai can't find that stability in the city, but can find it somewhere else, then you'll wind up with a dearth of nurses, doctors, teachers, guards, bus drivers, street cleaners.

    What it boils down to is this: how much importance does society attach to work which is absolutely necessary to the good functioning of that society, and how much it compensates those who provide that work. I'd be of the opinion, for example, that some good A&E nurses are a bit more important to society as a whole, yet they get paid considerably less than bank management, for example.

    What seems to escape discussion here, of course, is the minor difficulty that property prices as they stand in Dublin are at the higher end of a boom/bust cycle. Given that there is ample indication that we are heading for a bust over the mid term (since these things don't play out overnight), the question I would be asking is why we are supporting anyone to buy property now. But I suppose that's too much of a hard question to answer.


  • Closed Accounts Posts: 726 ✭✭✭abi2007


    Cantab,
    I think you've forgotten about those that at time of the property boom were too young to buy a house and are now finished college ect. on good wages but still can't afford to buy in there local area cause of people who have invested in a second house. In my local area a one bed apartment cost 1000euro a month to rent, probally less than the owner's mortgage. madness. From your negetive attitude I would say you are either a developer or you have a second property. must be getting greedy now, don't want to share the wealth.....
    you must not forget that you are not singly handed paying for the affodable housing scheme and a very small amount of your hard earned wages goes towards the scheme. So get over it.


  • Registered Users, Registered Users 2 Posts: 569 ✭✭✭texas star


    I have been lucky enough to have got pulled out of the draw for DCC, for a 3 bedroom house in Finglas in a new development and Im single. As far as people saying the building arent up to scrath, bull****. The building have to meet EC regulations. I think the scheme is a brilliant one and without it I would never have been able to buy in Dublin ever. As for a paying over 35/30 yrs Im doing it over 25. I completly agree with CherieAmour on all points. I know no one in the DCC so its bull**** about brown envelopes. I feel sorry for you Cantab, becuase your seem like such a begrudger, and I do hope you get the house you really want :)


  • Closed Accounts Posts: 726 ✭✭✭abi2007


    congrats on the house texas star!


  • Registered Users, Registered Users 2 Posts: 569 ✭✭✭texas star


    Thank you so much Abbi2007, Im so excited.:)


  • Closed Accounts Posts: 17 squarecon


    You are right Cantab ths is not Russia we are living in but a democratic society with free trade to a european market of 350m people.


  • Closed Accounts Posts: 57 ✭✭Brooklyn74


    Congratulations Texas Star! I also was pulled out in the draw, for a 2 bedroom apartment in the city centre. It suits me perfectly as I have no desire ever to live in the suburbs, no intention of having children, no hang-ups about living in an apartment instead of a house. I would never have a snowball's chance in hell of owning a place like this without the affordable housing scheme.

    The scheme is far from perfect (I'm finding out just how far every day!) and obviously changes need to be made but for me, it's working out wonderfully!


  • Registered Users, Registered Users 2 Posts: 569 ✭✭✭texas star


    Congrates too you to Brookly74. Im exactly the same would never have been able to afford a place in Dublin. Are you really excited i am? Now I have to start saving and cut out my beering sessions :eek: .again congrats


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