It's Bertie's fault i'm so broke...

Fighting Irish

Was just having a looksie at Accommodation & Property from back in 2005/2006 :rolleyes:

TehDagsBass

Yeah 'cause people were being marched into the bank with a gun to their head and made take out mortgages.

If you bought during the boom and are suffering now, it's your fault and yours alone.

danger mouse

Well according to my pay slip it's your man "paye" , "Prsi" and his new neighbour "USC" that have me so broke. It doesnt say anything about Bertie....

Captain Graphite

Wow. You really know how to make the most of a Saturday night, don't you? :pac:

TehDagsBass

danger mouse wrote: »

Well according to my pay slip it's your man "paye" , "Prsi" and his new neighbour "USC" that have me so broke. It doesnt say anything about Bertie....

If you want to feel real pain, when you check your pay slip work out how many weekly dole payments you're supporting with the taxes taken from your pay.

Honestly, it has me in such a fit when I do it that I could almost march down to the dole queues and start trying to get the feckers working myself.

galwayrush

TehDagsBass wrote: »

Yeah 'cause people were being marched into the bank with a gun to their head and made take out mortgages.

If you bought during the boom and are suffering now, it's your fault and yours alone.

Yeah, people being stupid paying market values for their homes.Silly fools should obviously have waited until now to buy, or better still , they should have bought 10 - 20 years sooner.

IrishAm

TehDagsBass wrote: »

Honestly, it has me in such a fit when I do it that I could almost march down to the dole queues and start trying to get the feckers working myself.

Whats stopping you? Set up a business were a lad sends you his CV and you find him a job for a small fee.

TehDagsBass

galwayrush wrote: »

Yeah, people being stupid paying market values for their homes.Silly fools should obviously have waited until now to buy, or better still , they should have bought 10 - 20 years sooner.

Sorry, I'll highlight that I said "...and are suffering now", directed at those who over-extended themselves and didn't plan for a change in the economy or their own position and are now crippled with debt that they signed for themselves, at terms they themselves agreed to.

It's about responsible financial management.

Rolli

Fighting Irish wrote: »

Was just having a looksie at Accommodation & Property from back in 2005/2006 :rolleyes:

Join the que man...

EchoO

TehDagsBass wrote: »

If you want to feel real pain, when you check your pay slip work out how many weekly dole payments you're supporting with the taxes taken from your pay.

Honestly, it has me in such a fit when I do it that I could almost march down to the dole queues and start trying to get the feckers working myself.

How smug.

Biggins

I can still afford me Jellybabies so I'm alright Jack!

the keen edge

TehDagsBass wrote: »

If you want to feel real pain, when you check your pay slip work out how many weekly dole payments you're supporting with the taxes taken from your pay.

Honestly, it has me in such a fit when I do it that I could almost march down to the dole queues and start trying to get the feckers working myself.

A bit harsh really. Fair enough there are spongers on social welfare who want to get all they can and offer nothing in return.

Still it has to be acknowledged that are in the midst of a hell of a global recession .
The jobs market is hugely depressed, and even if all those on the dole had the academic credentials of Stephen Hawkin coupled with the likeability of Ron Burgundy the dole queues would still remain enduring.

golden lane

poor bertie....gets blame for everything......

grindle

galwayrush wrote: »

Yeah, people being stupid paying market values for their homes.Silly fools should obviously have waited until now to buy, or better still , they should have bought 10 - 20 years sooner.

If the market value is clearly in a heightened "bubble" state, then yes, you could say "stupid".

You should say "mindlessly, ignorantly, greedily, obnoxiously stupid", but you can settle on "stupid", if you want to spare their feelings.
I don't though, so I'll stick with what should be said.

Biggins

golden lane wrote: »

poor bertie....gets blame for everything......

Bertie Basset B'stard!

Rango555

http://www.boards.ie/vbulletin/showthread.php?t=188752

Sounds like he was doing well until: Location: Melbourne

gurramok

Fighting Irish wrote: »

Was just having a looksie at Accommodation & Property from back in 2005/2006 :rolleyes:

Linkies to actual threads back then OP?

Notice how those who proclaimed then that high prices were justified disappeared off boards once the crash came

christmas2012

thats it im ****ing off somewhere where they dont tax air and for bricks and mortar you just paid for etc..

admiralofthefleet

christmas2012 wrote: »

thats it im ****ing off somewhere where they dont tax air and for bricks and mortar you just paid for etc..

legoland is closed afaik

golden lane

grindle wrote: »

If the market value is clearly in a heightened "bubble" state, then yes, you could say "stupid".

You should say "mindlessly, ignorantly, greedily, obnoxiously stupid", but you can settle on "stupid", if you want to spare their feelings.
I don't though, so I'll stick with what should be said.

in any housing boom....there are winners, and there are losers......

therefore...it is a gamble......

why are the winners never mentioned.........?????

grindle

golden lane wrote: »

in any housing boom....there are winners, and there are losers......

I agree.

therefore...it is a gamble......

why are the winners never mentioned.........?????

Because the losers outnumber them, and are generally not the type to read economic news or books, so it's a self-fulfilling prophecy of sorts.
My dad was a winner, but he wasn't expecting it, he was just lucky.

gurramok wrote: »

Linkies to actual threads back then OP?

Notice how those who proclaimed then that high prices were justified disappeared off boards once the crash came

Most here seemed cautious in this thread, though the Politics.ie forum was full of gung-ho lunatics back then.

I quite like this quote from the thread on boards though:

TheBigLebowski wrote: »

Dochasach, people gave very similar arguments 5 years ago and if you had bought a house then, instead of renting, you'd be doing very well.
Obviously the current rate of increase can't last forever. That's obvious, but there is a difference between a slow down in the rate of increase and the doomsday scenario you predict. If property prices were to fall it is unlikely that they will fall by much. It is considered a property price crash is if prices drop 10-15%. I would stake my life that a house that sells now for 300k will never sell for less than 250k.
At the current rate of increase, if you bought a house now. Your property will increase by that 10-15% within 2 years anyway, and I don't see a crash coming within 2 years. Also I'm pretty sure you wouldn't be waiting too long for prices to pick up again as peoples wages are only going to go up.

gurramok

grindle wrote: »

Most here seemed cautious in this thread, though the Politics.ie forum was full of gung-ho lunatics back then.

I quite like this quote from the thread on boards though:

Has TheBigLebowski left this planet since?

I like Morningstar posts, quite humourous and sums up the mentality in 2005\06 of the bubble.

Kidchameleon

TehDagsBass wrote: »

Yeah 'cause people were being marched into the bank with a gun to their head and made take out mortgages.

If you bought during the boom and are suffering now, it's your fault and yours alone.

Oh seriously, get over yourself

grindle

gurramok wrote: »

Has TheBigLebowski left this planet since?

In another thread:

TheBigLebowski wrote: »

I wouldn't recommend askaboutmoney.com

Da Funky Munky wrote: »

Based on what?

TheBigLebowski wrote: »

Based on the fact that there are a lot of posters with vested interests. And also the fact that you are very limited about what you post about and you may get banned for posting with a negative sentiment on financial matters.

"What do you mean you think the economy is going down the tubes and housing market is overvalued? Here's a two week ban. Don't come back until you change your attitude."

:pac::pac::pac:
Anyway, that's terrible, rifling through the past like that. He's stuck to the football commentary since.

golden lane

grindle.....well done your dad......

but i cannot see that the losers outnumber the winners.....

it is sad the lots of people fell for the...."they must keep gpoing up" syndrome.....

but that happens everywhere there is a housing boom.......

negativev equity is only relevent if you cannot pay your mortgage.........if you can pay....it is not a loss, just a number.....

Kidchameleon

golden lane wrote: »

negativev equity is only relevent if you cannot pay your mortgage.........if you can pay....it is not a loss, just a number.....

Its also relevant if you want to move, as it is for myself. I have no trouble paying the mortgage though.

superstoner90

OP, if you got an issue,heres a tissue.

*tissue sent by pm.*

yore

galwayrush wrote: »

Yeah, people being stupid paying market values for their homes.Silly fools should obviously have waited until now to buy, or better still , they should have bought 10 - 20 years sooner.

Yeah, of course. God forbid they rented. Bleedin' morto .

golden lane

Kidchameleon wrote: »

Its also relevant if you want to move, as it is for myself. I have no trouble paying the mortgage though.

but surely....if your house price has dropped...so have others...

i am in the uk.....and house prices vary enormously from area to area...even what school is in the catchment area has a great affect on prices....

i lived in a village.....bought my house for 10,000 pounds....sold it for
265,000 thousand pounds.....

but a similar house elsewhere is..135,00 pounds...

danger mouse

TehDagsBass wrote: »

If you want to feel real pain, when you check your pay slip work out how many weekly dole payments you're supporting with the taxes taken from your pay.

Honestly, it has me in such a fit when I do it that I could almost march down to the dole queues and start trying to get the feckers working myself.

In all fairness the dole was there when I needed it. Thank god I'm off it now.

I Wouldn't begrudge a man the dole at all. It's the fail safe every first world country should have for it's people. It sure helped me climb up out of a hole and sort myself out.

Snowie

fvck bertie i blame the brown paper envelope :mad:

Fighting Irish

TehDagsBass wrote: »

Yeah 'cause people were being marched into the bank with a gun to their head and made take out mortgages.

If you bought during the boom and are suffering now, it's your fault and yours alone.

:pac:

Fighting Irish

This was a troll thread btw

JoeGil

It's Bertie's fault the country's broke.
It's your fault you're broke.

cassel16

Fighting Irish wrote: »

This was a troll thread btw

Don't admit it!

Snowie

Fighting Irish wrote: »

This was a troll thread btw

theres basements for people like you :pac:

Logical Fallacy

TehDagsBass wrote: »

If you want to feel real pain, when you check your pay slip work out how many weekly dole payments you're supporting with the taxes taken from your pay.

Honestly, it has me in such a fit when I do it that I could almost march down to the dole queues and start trying to get the feckers working myself.

If you had a better job you wouldn't need to care as much, a bigger take home pay can make you a lot happier.

Get a promotion ya lazy fecker.

TehDagsBass

Kidchameleon wrote: »

Oh seriously, get over yourself

Oh ****, sorry, I didn't know I was wrong? Has anyone reported the banks for dragging people in and putting a gun to their head and have them sign credit agreements?

Hell, contracts are invalid if signed under duress such as the above, so they really ought to pursue it if it it's true as they could have the debt written off.

danger mouse wrote: »

In all fairness the dole was there when I needed it. Thank god I'm off it now.

I Wouldn't begrudge a man the dole at all. It's the fail safe every first world country should have for it's people. It sure helped me climb up out of a hole and sort myself out.

No I absolutely wouldn't, I begrudge those who are sitting on it with the attitude of "why should I work for minimum wage when I can get €200 a week doing nothing", of which there are an enormous amount, not to mention the long term dole lifers that we're supporting, those who choose it as a life/career and those scamming the system with part time cash in hand jobs/nixers.

Logical Fallacy wrote: »

If you had a better job you wouldn't need to care as much, a bigger take home pay can make you a lot happier.

Get a promotion ya lazy fecker.

I believe that, sir, is a logical fallacy.

Logical Fallacy

TehDagsBass wrote: »

I believe that, sir, is a logical fallacy.

Not really.

TehDagsBass

Logical Fallacy wrote: »

Not really.

A bigger take home pay would amount in more tax being paid which actually increases the issue that you were trying to address with your above pay, as opposed to decreasing it.

Dudess

OP is obsessed with pushing this smug message, and with the rolleyes symbol.

Logical Fallacy

TehDagsBass wrote: »

A bigger take home pay would amount in more tax being paid which actually increases the issue that you were trying to address with your above pay, as opposed to decreasing it.

You really don't get when you are being trolled, do ya?

TehDagsBass

Logical Fallacy wrote: »

You really don't get when you are being trolled, do ya?

Nope.

Fighting Irish

JoeGil wrote: »

It's Bertie's fault the country's broke.
It's your fault you're broke.

But i'm not broke, i'm having the time of my life

Fighting Irish

Dudess wrote: »

OP is obsessed with pushing this smug message, and with the rolleyes symbol.

It's just many people on here moan about how it's other peoples fault

forfuxsake

People entrust the running of the economy to elected officials. When it goes wrong they tend to blame those they trusted, and rightly so.

When we take out mortgages, loans etc we do so on the basis of what we can control - I work hard and I will keep my job, maybe even get a promotion etc. AND not on what we can't control i.e macroeconomics. If we did base our financial decision on the fact that our employer may go broke and make us redundant then nobody would ever buy a property, a car or anything beyond food.

And as for marching down to the dole office and finding everybody work - This is a Jesus complex, there is one vacancy for every eight unemployed. Loaves and fishes.

People who bought 2,3,4+ properties that they didn't need have little right to complain, they are part of the problem. People who bought a home for their families and subsequently area now struggling to repay the mortgage due to the change in economic conditions are fully deserving of sympathy.

I did neither but have great sympathy for the latter and none for the former. I have less sympathy for those who blame the many for the mistakes of the few.

Toby Take a Bow

TehDagsBass wrote: »

If you want to feel real pain, when you check your pay slip work out how many weekly dole payments you're supporting with the taxes taken from your pay.

Honestly, it has me in such a fit when I do it that I could almost march down to the dole queues and start trying to get the feckers working myself.

And the guy above you is paying for your selfish draining of the state's resources. Remember: don't get sick or educated. Your taxes aren't covering how much they cost.

forfuxsake

Toby Take a Bow wrote: »

And the guy above you is paying for your selfish draining of the state's resources. Remember: don't get sick or educated. Your taxes aren't covering how much they cost.

No this guy's taxes are all spent on welfare. He doesn't use:

Gardai
Roads
HSE
Schools
College
Defence
etc

And he doesn't want to contribute his share of the debt repayment as it is not his fault.

Kidchameleon

forfuxsake wrote: »

People who bought 2,3,4+ properties that they didn't need have little right to complain, they are part of the problem. People who bought a home for their families and subsequently area now struggling to repay the mortgage due to the change in economic conditions are fully deserving of sympathy.

I did neither but have great sympathy for the latter and none for the former. I have less sympathy for those who blame the many for the mistakes of the few.

Well put

thecommietommy

Seanie Fitz and co. can take some blame too.

paddyandy

The Saga of the collapse of our Economy was a mirror of Irish Society with all the faults and failings we have as a nation .