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It's 2006. It's the Celtic Tiger...
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    Posted: 09 May 2021 at 12:16pm
Just passed a luxury hot tube and jacuzzi van on the M50, we're back 
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http://twitter.com/ActingTheGom/status/1391026909773971465

the good auld days LOLLOLLOL
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It's the regular heralds Dublin weekly of wannabe Celebs such as Glenda Gilson and Gavin Lambe Murphy reporting from Lillies. 

Edited by irelandfan - 07 May 2021 at 2:21am
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Originally posted by Wheelo Wheelo wrote:

Originally posted by Artie Ziff Artie Ziff wrote:

Originally posted by Wheelo Wheelo wrote:

 One thing I did learn is that the labourers and taxi men were first to see signs of the crash Thumbs Up

Not sure I'll be calling up my financial labourer for advice 

The banks and developers will try cover problems up and try keep things going mad. The lads on ground see first when the work starts drying up, payment and credit been an issue, etc.

Certainly in 2006, the lads on sites were saying crash before the banks, a lot of financial experts, etc

Re comment on 100 per cent mortgages. I actually don’t see them as a bad thing. For example, now a couple could be paying 1500 a month in rent for 3 years, impossible to save for a deposit, but proving they could easily pay a mortgage over a significant period of time. Tbh they’d probably be paying 100s less. Think these lads should be able to get 100 per cent mortgages 
 
I get your point and while rent paid is taken into account for calculating someone's repayment capacity it does massively effect ability to save. But 100% mortgages will drive property prices up further. The 10% deposit and max 3.5x salary were brought in to keep the market stable. With rents so high I really feel for people trying to save because moving home to parents to save isn't right for anyone.
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Originally posted by Artie Ziff Artie Ziff wrote:

Originally posted by Wheelo Wheelo wrote:

 One thing I did learn is that the labourers and taxi men were first to see signs of the crash Thumbs Up

Not sure I'll be calling up my financial labourer for advice 

The banks and developers will try cover problems up and try keep things going mad. The lads on ground see first when the work starts drying up, payment and credit been an issue, etc.

Certainly in 2006, the lads on sites were saying crash before the banks, a lot of financial experts, etc

Re comment on 100 per cent mortgages. I actually don’t see them as a bad thing. For example, now a couple could be paying 1500 a month in rent for 3 years, impossible to save for a deposit, but proving they could easily pay a mortgage over a significant period of time. Tbh they’d probably be paying 100s less. Think these lads should be able to get 100 per cent mortgages 
"Not surprised you are anti foreigner in your so called Kip of a town when you don’t want a manager because he is Swedish and you want big Sam in charge" - a fine post from a fine ybig poster
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Originally posted by Zinedine Kilbane 110 Zinedine Kilbane 110 wrote:

Originally posted by sausy sausy wrote:

I started working in a Bank in 2006, got about 18 months of being mad busy during the day and work credit cards in the bar in the evening before the crash.

Been a junior in those days was good times.
All the senior people would pay the bar bills (most of it was deemed work expenses) and we had summer and Xmas parties- free bar. 

There was definitely a lot more riding within the work place in those days! 
 
Great days, proper old school branch managers who would anything for they're staff. Unfortunately all long replaced by a new breed.
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Originally posted by sausy sausy wrote:

I started working in a Bank in 2006, got about 18 months of being mad busy during the day and work credit cards in the bar in the evening before the crash.

Being a junior in those days was good times.
All the senior people would pay the bar bills (most of it was deemed work expenses) and we had summer and Xmas parties- free bar. 

There was definitely a lot more riding within the work place in those days! 


Edited by Zinedine Kilbane 110 - 04 May 2021 at 10:52am

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I started working in a Bank in 2006, got about 18 months of being mad busy during the day and work credit cards in the bar in the evening before the crash.
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I always a recall a friend buying a one bed near the Dublin mountains for 300k around 2005/2006 and just asked him how much is that gonna cost you over the full mortgage and he hadn't worked it out? Everyone else was doing similar. Pure daft, I was glad I wasn't caught up in it, it helped that I had very little money and wouldn't have been offered a 100% mortgage even if I wanted one.

 
It would damage this forums' reputation
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Originally posted by Wheelo Wheelo wrote:

 One thing I did learn is that the labourers and taxi men were first to see signs of the crash Thumbs Up

Not sure I'll be calling up my financial labourer for advice 
It would damage this forums' reputation
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Originally posted by Cabra Hoop Cabra Hoop wrote:

Funnily enough while property prices went through the roof around 2006/2007 (2 up 2 down former Dublin corporation houses going for £350,000 on Cabra), I think the real fun years of the tiger were between 1998 and 2003 when people seem to have a lot of cash. After that a lot of people got up there own arses going off to NY for shopping trips/buying villas in Bulgaria all on cheap credit. It had to go tits up. My main memory of 2006 was pacing the corridors of the Rotunda waiting for our first and nipping across to Conways to watch the world cup.

Well summed up - from mid 90s to 2006 all my money was spent of drink, drugs and football. Was a great time to be a teenager/ early 20s. I remember my maths teacher telling me to stop coming nto school hungover on mondays Sleepy

Wasnt on a mad wage after college but we were probably paying feck all tax. Didnt go on a holiday during those years either - didnt seem to be done by lads I hung around with - , but still felt loaded while partying! 

Cabra, you're right in your timing , my first sun holiday as an adult was in 2006, then a month in Thailand in 2007, the boom!!
"Not surprised you are anti foreigner in your so called Kip of a town when you don’t want a manager because he is Swedish and you want big Sam in charge" - a fine post from a fine ybig poster
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Originally posted by The Huntacha The Huntacha wrote:

Enjoying the glory days of 21's on a Wednesday and Barcode on a Thursday as a failing student in NUIM. Working part-time in the local Eurospar on a decent enough wage and coaching with Samba Soccer during the holidays which got me to Crete that summer. Good times.

Too young at that stage to have suffered from the crash that would hit 2/3 years later. Remember the bank offering stupid amounts to students to go away during the summers, even if they had very little regular income. 

Thought life would always be that way. 

Redz on a Monday, Wednesday 21s and Barcode on a Thursday would have been my 2006 as well. Finishing 1st year in college in Pats, heading into 2nd year. Some amount of Pro Evo played too! Best few years of my life. The amount of drinking done was obscene and being at a college with 75% women had it's perks as a single young lad! Economy crashed as I was coming out of college. Managed to get my first teaching job so wasn't too bad as I had money for the first time as everything was coming down in price! Still in same job with a 2 year break in Manchester. Looking to move home next year. My 18-30s years will be looked back with fondness it's fair to say. Had some time!
 


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Originally posted by The Huntacha The Huntacha wrote:

Enjoying the glory days of 21's on a Wednesday and Barcode on a Thursday as a failing student in NUIM. Working part-time in the local Eurospar on a decent enough wage and coaching with Samba Soccer during the holidays which got me to Crete that summer. Good times.

Too young at that stage to have suffered from the crash that would hit 2/3 years later. Remember the bank offering stupid amounts to students to go away during the summers, even if they had very little regular income. 

Thought life would always be that way. 


Train tracks are ching ching, bit of cash, you know what I mean?
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Enjoying the glory days of 21's on a Wednesday and Barcode on a Thursday as a failing student in NUIM. Working part-time in the local Eurospar on a decent enough wage and coaching with Samba Soccer during the holidays which got me to Crete that summer. Good times.

Too young at that stage to have suffered from the crash that would hit 2/3 years later. Remember the bank offering stupid amounts to students to go away during the summers, even if they had very little regular income. 

Thought life would always be that way. 
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Funnily enough while property prices went through the roof around 2006/2007 (2 up 2 down former Dublin corporation houses going for £350,000 on Cabra), I think the real fun years of the tiger were between 1998 and 2003 when people seem to have a lot of cash. After that a lot of people got up there own arses going off to NY for shopping trips/buying villas in Bulgaria all on cheap credit. It had to go tits up. My main memory of 2006 was pacing the corridors of the Rotunda waiting for our first and nipping across to Conways to watch the world cup.
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Originally posted by Jock Jock wrote:

the lack of due diligence back then from the banks was unreal. I was on my placement with a contractor and one of the lads I worked with, was just basically inflating his salary and putting it on headed paper and he was forging the directors signature at the bottom of it. Done that three times in a space of a year to get funds for properties. They werent looking pay slips, bank statements etc. 

And the financial regulators. Totally asleep at the wheel. Unhappy
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the lack of due diligence back then from the banks was unreal. I was on my placement with a contractor and one of the lads I worked with, was just basically inflating his salary and putting it on headed paper and he was forging the directors signature at the bottom of it. Done that three times in a space of a year to get funds for properties. They werent looking pay slips, bank statements etc. 
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I started working in 2006, was too young to really see the gravy train, and as a result I was such cheap labour, companies were happy to keep the likes of me on through the bust. Don't think I ever really experienced the high (though we tried our best to fake it), but never got caught with property or redundancy either. 
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