The Boom
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URL: https://forum.ybig.ie/forum_posts.asp?TID=55420
Printed Date: 27 Apr 2024 at 4:52am
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Topic: The Boom
Posted By: Butch
Subject: The Boom
Date Posted: 20 Jun 2017 at 12:11pm
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The city is getting developed at a rapid pace again . I know a carpenter who bought a brand new Audi A6 another plumber who got the missus a new 4x4 . Every one getting cars on PCP . Eating out all the time , sun holidays 2-3 times a year . The price of housing and rent is going to the previous levels that brought us the crash . The price of a sambo is even frightening. People think they sophisticated because they have money . Maybe it is me but we are heading back to the times of the Tiger and I didn't like that and I know people were hit hard in the recession but life was a lot easier going over The last couple of years with people not trying to Out do each other at every turn . How long will this last this time 
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Replies:
Posted By: Trap junior
Date Posted: 20 Jun 2017 at 12:18pm
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I liked the recession ina way. Brought a lot of arseholes back down to earth. The whole country became a cringeful embarassment. Ireland was like Wayne and Waynetta Slob when they won the lotto. Arseholes (there was one well known poster on this forum) going on about their property portfolio and all that sh*te. Gobsh*tes buying big Range Rovers with the black alloys. Drive a normal car you t**ser. Anyway you are right. We are heading into another property bubble. Paddy doesn't like slumming it now that he has got a taste of the skiing trips to Andorra and the weekend shopping trips for the dolly bird wife in New York. ------------- Pied Piper to: Baldrick, Brendan 88, 9Fingers, Borussia and more... 97.6% chance this post will be replied to by Baldrick (source: PWC) |
Posted By: FrankosHereNow
Date Posted: 20 Jun 2017 at 12:19pm
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There's nowhere near the levels of personal debt that there was 10 years ago. Banks are not lending as recklessly as they were during the Celtic Tiger years. ------------- YBIG Quiz Champion 2016, 2017 & 2018. As You Were Three in a row |
Posted By: colemanY2K
Date Posted: 20 Jun 2017 at 12:35pm
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Not yet Frank. ------------- "One of the dominant facts in English life during the past three quarters of a century has been the decay of ability in the ruling class." Orwell, 1942. |
Posted By: BabbsBalls
Date Posted: 20 Jun 2017 at 1:02pm
Correct. ------------- l hear you are a racist now, father ? |
FrankosHereNow wrote:Posted By: El_nino
Date Posted: 20 Jun 2017 at 1:07pm
This is the important thing. hopefully it stays that way.
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Posted By: Gary McKay
Date Posted: 20 Jun 2017 at 1:24pm
Junkies. ------------- "Smalling and Jones.... have the potential to be the PL’s best ever pairing in my opinion." - SlurAlex |
Posted By: McG
Date Posted: 20 Jun 2017 at 1:27pm
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Mashed avocado on sour dough bread with gruyere cheese and dill pickle relish please.
------------- YBIG Table Quiz winner 2016 & 2017 AS YOU WERE McGx |
Posted By: colemanY2K
Date Posted: 20 Jun 2017 at 1:31pm
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From my understanding household debt is going down because the value of people's homes are going up. Obviously this would be aided by restrictions on credit. Whatever about Dublin and other major urban centres, rural Ireland is a different picture. I have been monitoring property prices for homes within a 45 minute drive of Cork. They have only had modest rises in the past 24 months. Word on the street from trades people I know is that things are tipping along nicely. It's certainly not boom time yet in rural Ireland. ------------- "One of the dominant facts in English life during the past three quarters of a century has been the decay of ability in the ruling class." Orwell, 1942. |
Posted By: AntrimMan
Date Posted: 20 Jun 2017 at 1:31pm
Grilled halloumi is the new smashed avocado  ------------- @AntrimMan85 |
Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 1:34pm
It isn't mashed, it is smashed! Fun fact; hipsters obsession with avocado has seen a huge surge in illegal deforestation in Mexico and rising prices has seen it suggested that the cartels may be getting involved. At least cocaine is worth the effort. ------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 1:35pm
Grilled halloumi is nice though, is it in fashion these days? ------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: BabbsBalls
Date Posted: 20 Jun 2017 at 1:37pm
Avocado. Great job with some eggs and salmon  ------------- l hear you are a racist now, father ? |
Posted By: AntrimMan
Date Posted: 20 Jun 2017 at 1:39pm
Oh yes. No self respecting hipster would be seen eating anything else. Avocado went mainstream 'man'. The latest London street food craze is halloumi fries - deep fried halloumi 'chips'. I assume its only a matter of time before it spreads West. ------------- @AntrimMan85 |
Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 1:44pm
I am north east! I did see somewhere advertising those, it might have been that ****ish hipster place in town. They sound nice though. I remember having 'vegetarian' fish'n'chips in Archway 6-7 years ago, it was slices of halloumi battered and deep-fried! It was one of the unhealthiest and most delicious things I have ever eaten. I had a raging hangover too. ------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: colemanY2K
Date Posted: 20 Jun 2017 at 1:45pm
No doubt it's all over hipsters Instagram's  ------------- "One of the dominant facts in English life during the past three quarters of a century has been the decay of ability in the ruling class." Orwell, 1942. |
Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 1:52pm
Was having a bite to it recently and there was 2 young Asian girls sitting across from us, by the time they got to eat their food it must have been cold! We got our food around the same time and were finished by the time they started, I was expecting them to pull a drone out to make sure they got it from every angle. We have definitely crawled sideways as a species when our immediate reaction to food is to photograph. One encouraging thing is the term 'food porn'(  ) seems to have disappeared.------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: Bob Hoskins
Date Posted: 20 Jun 2017 at 2:53pm
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anyway back on topic. I haven't seen people behaving like they did in the boom. Are people buying cars on that pcp thing where if you miss a payment or some other thing like that you get hit with huge penalties? If it's the same thing I've heard about then that's where a crash is likely. Finally house prices are going up but the rules are very tight on who they are lending to and also having x amount of a deposit, so again a crash their is not likely. The biggest killer is the price of renting is so expensive then it makes sense to buy a house in many people's situations. ------------- Romario 2016: And the ticket mafia gets caught! Well, four years ago I had already told the government. |
Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 3:02pm
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"The biggest killer is the price of renting is so expensive then it makes sense to buy a house in many people's situations." On top of the expense you have the fact that tenant rights in Ireland and Britain are years behind other western countries, particularly Germany. While being a professional landlord seems to come with no moral obligations here or at home, in Germany it is bound by their constitution. The Federal Law of the German Republic includes the line; " property comes bound with duty. It must be used to serve the public good." I doubt that is the mantra of Foxton's or Daft.ie.
------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: Shedite
Date Posted: 20 Jun 2017 at 3:36pm
Toast the sodabread, spread mashed avocado on top, then some fried bacon or chorizo on top
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Posted By: cullenswood
Date Posted: 20 Jun 2017 at 4:32pm
I think you'll find that is changing. A lot of landlords getting out of the business at this stage
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Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 4:36pm
Good, it shouldn't be a business anyway. There is still years to go before there is any kind of proper regulations. ------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: colemanY2K
Date Posted: 20 Jun 2017 at 4:36pm
------------- "One of the dominant facts in English life during the past three quarters of a century has been the decay of ability in the ruling class." Orwell, 1942. |
Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 4:39pm
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Carefully break an egg into the hollow and bang it in the oven! Crab salad in the hollow is a decent lunch too! Still doesn't mean it has to cost ten quid when 'smashed' on bread. Keep it off burgers too, no place for it. ------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: Zinedine Kilbane 110
Date Posted: 20 Jun 2017 at 4:40pm
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The guy James Davidson, the economist who predicted the collaspe of 1999 and 2007 reckons there will be another one very soon. He talks about it extensively on youtube. The US stock markets are on the 2nd longest bull run ever. He focuses on America but what happens in America has an impact on the rest of the world. ------------- |
Posted By: SuperDave84
Date Posted: 20 Jun 2017 at 5:24pm
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Ah no. The boom is getting boomier, if anything. ------------- 
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Posted By: colemanY2K
Date Posted: 20 Jun 2017 at 5:34pm
Just had a listen to him on YouTube. Makes some interesting points. David McWilliams has been concerned for awhile with the way things are going. Reckons a Eurozone crisis is around the corner and Ireland would obviously be extremely vulnerable when it hits. ------------- "One of the dominant facts in English life during the past three quarters of a century has been the decay of ability in the ruling class." Orwell, 1942. |
Posted By: BohsinMunich
Date Posted: 20 Jun 2017 at 8:53pm
It is a business in every country even Germany. As a tenant you may have more rights but here you have to furnish your flat.. deffo kitchen and sometimes even bathroom. |
Posted By: pre Madonna
Date Posted: 20 Jun 2017 at 9:29pm
I never said Germany was better, merely an improvement! I wouldn't be holding it up as the standard bearer for too much either! The laws on the continent are, by and large, far more humane than in Britain or Ireland. ------------- Greed has won, big finance has won. Whatever small role elite clubs still play in the local communities from which they grew is dwarfed now by their position as global brands. |
Posted By: Butch
Date Posted: 20 Jun 2017 at 10:38pm
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I have a place over the south side rented to 3 Spanish lads . They told me they were missing a few bits . I told them to grab whatever they needed and we can sort it out . These lads went to war , fryin pans that I wouldn't even have in my own place ! Bins for their bathrooms , quilt covers etc . They expected it to be there and I had to set them straight that "this is Ireland" . But anytime they had a problem they would ring & I'll give you an example ... Hi John it's Juan here , im having a problem with my toilet and it will not stay in man mode ! Ah ok I says as I couldn't understand the f**ker so I went over to resolve the problem or try figure out what man mode was .... the poxy toilet seat wouldn't stay up on it's on . So yea they expect everything and more in Europe |
Posted By: colemanY2K
Date Posted: 20 Jun 2017 at 10:58pm
 ------------- "One of the dominant facts in English life during the past three quarters of a century has been the decay of ability in the ruling class." Orwell, 1942. |
Posted By: McG
Date Posted: 20 Jun 2017 at 11:24pm
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Man mode ------------- YBIG Table Quiz winner 2016 & 2017 AS YOU WERE McGx |
Posted By: Devrozex
Date Posted: 21 Jun 2017 at 9:44am
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Did that actually happen? 'kin hell.
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Posted By: GB 1HughJarse
Date Posted: 21 Jun 2017 at 11:15am
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What's the catch with PCP car finance? You look after the car and renew it after 4 or 5 years. I presume you have to pay another lump sum, or can you just keep paying the same €250 or €300 a month? If you want to own it outright you have to pay a lump sum? So unless you want to pay a lump sum at the end you'll always end up "hiring" your car? What if you haven't looked after the car and the value isn't what you signed for at the start of the initial term? Elon Musk said by 2025 most cars will be electric/hydrogen whatever and by 2030 you'll have to pay someone to take away your petrol/diesel car. |
Posted By: Zinedine Kilbane 110
Date Posted: 21 Jun 2017 at 11:44am
This sums it up really good. http://www.moneysavingexpert.com/car-finance/personal-contract-purchase At the end of the day you are "hiring" a new car for a set period - normally 3 years. Most cars lose 50% of their value after 3 years but if you like driving a new car thats your call. But if you want value for money you are better off buying a car that is 3 years old. Lets say for example the car is £30K and you hire it for 3 years and it loses 50% of its value after 3 years and financing costs are zero. Option A- Hire for 3 years and pay £15K over 36 monthly installments. You give the car back or can buy it for £15K Option B - Buy a 3 year old car for £15K and pay off your loan over how many years. You own the car until it dies. Topper was a big fan of this and swore he was actually saving money this way.... ------------- |
Posted By: Bob Hoskins
Date Posted: 21 Jun 2017 at 12:03pm
Yeah I could easily be mistaking it with some other hire purchase agreement - there's also supposed to be one in America that was done similar to the Fanny Mae mortgage mess, which is meant to crash soon enough. ------------- Romario 2016: And the ticket mafia gets caught! Well, four years ago I had already told the government. |
Posted By: Shedite
Date Posted: 21 Jun 2017 at 12:48pm
The cost is divided in 3 thirds... 1. First third - Deposit, which most give nice trade in deals especially for bangers. 2. Second third - Interest free (usually) repayments over 36 months 3. Third third - final payment. Doubt many pay this off in one go - I'm guessing most convert that to a bank loan if needed. I did the match quite a bit last winter, big trade in plus free interest made it pretty much neck and neck between going new car and second hand car.
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Posted By: Bob Hoskins
Date Posted: 21 Jun 2017 at 1:23pm
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what happens if you miss payments?
------------- Romario 2016: And the ticket mafia gets caught! Well, four years ago I had already told the government. |
Posted By: 9fingers
Date Posted: 21 Jun 2017 at 1:32pm
You sure about this??? |
Posted By: Shedite
Date Posted: 21 Jun 2017 at 2:03pm
Obviously if you plan on trading it in for a new car after 3 years then you'll only get the GMFV which is pretty low for a 3 year old car.
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Posted By: 9fingers
Date Posted: 21 Jun 2017 at 2:12pm
On any PCP agreement I've seen; 1. It's not your car, in the same way as if you lease a house it's not your house. 2. You cannot modify the vehicle. 3. You cannot paint the vehicle, all repairs & alterations are to be done by the garage you purchased in & only them. Same with servicing and any other mechanical repairs/work 4. You're limited to certain mileage or face extra charges when the lease is over. 4. Any scratches etc will face extra charges when lease is up IMO PCP agreements only benefit the garage, if it benefitted the customer financially it simply wouldn't exist. That said it has boosted new car sales which was badly needed, and to a certain extent slowed the amount of imports from Britain. An accountant & poster on here advised a few years ago 1. Credit Union loan 2. Bank loan 3. PCP In that order |
Posted By: SuperDave84
Date Posted: 21 Jun 2017 at 2:55pm
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Exactly. They call it "interest free" but as everyone knows if you want to buy a new car for cash, the price is negotiable. If you go onto PCP, there's nothing negotiable about it. Put it like this: if the car costs €24k list price, the deal is likely something like a deposit of €3k, €250 per month for three years and a €12k final payment, or alternatively hand the car back. But if you go in for a cash deal, you'll be able to negotiate down the €24k. That effectively takes away the "interest free" element of things. It makes much more sense for me anyway to buy a three year old car for €12k than it does to pay €12k over three years for a new car. Three more years down the line from the first scenario, you still have a car, you've paid €12k (plus interest, admittedly), but you own it free, and it is worth something, almost certainly more than you will have had to pay on upkeep. Second scenario, you have paid €12k and you have literally nothing left to show for it. The upshot, I suppose, is three years of hassle free motoring, but chances are you'll have the same from years three to six in a second hand car, unless you are doing bigger miles. Most cars don't start to run into expensive maintenance problems until about 150,000km, and most people don't do more than 25,000km per annum, unless they have long commutes. And obviously PCP plans penalise high mileage too, so it's hard to even count that as a benefit. PCP was devised by car manufacturers as a way of keeping new car production going because cars are increasingly unaffordable relative to real levels of disposable income. It's a bubble waiting to burst. -------------
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Posted By: Butch
Date Posted: 21 Jun 2017 at 3:03pm
| I admittedly looked at it for a car for herself. The ad on the radio was for a Audi A3 and 278 a month . By the time you read all the fine print and don't go for the standard model it was prob twice that . The sales girl from Audi North Dublin had my head wrecked and heart broke trying to get me to take the car . |
Posted By: Bob Hoskins
Date Posted: 21 Jun 2017 at 3:08pm
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Excellent advice gents, even though a cycle a bike hahaha ------------- Romario 2016: And the ticket mafia gets caught! Well, four years ago I had already told the government. |
Posted By: SuperDave84
Date Posted: 21 Jun 2017 at 3:15pm
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Yeah, I don't own a car or even have a driving licence. -------------
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Posted By: Shedite
Date Posted: 21 Jun 2017 at 3:18pm
Yes the two services that I do in the 3 years need to be done in the garage I bought it from. Mileage was set at a level that I'm comfortable with and am confident I won't break.
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Posted By: horsebox
Date Posted: 21 Jun 2017 at 3:22pm
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So in theory stay away from a PCP? ------------- It was far across the sea, When the devil got a hold of me, He wouldn't set me free, So he kept me soul for ransom. na na na na na na na na na na na na na na na na na. I'm a sailor man from Glasgow to |
Posted By: Shedite
Date Posted: 21 Jun 2017 at 3:26pm
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I’ve already bought via PCP, and have nothing to gain from this argument, just throwing out the numbers in case anyone is thinking of it. In my scenario, I needed to upgrade from a banger, worth about €500 at most I reckon so something more reliable (family reasons). Ended up on Peugeot 2008. I went looking at the 3 year old route, which is about €15,000. Less my €500 scrappage and €4k cash, that needed a bank loan from BOI of €10,500 at 8% which would be about €210 a month for 5 years. With PCP, they gave a €4k allowance. So my €23k car new, less €4k scrappage and €4k cash, required €15k finance, which Peugeot gave me at 0%. Results in repayments of €220/month for 3 years, and then the final payment will be put into a car loan of €7500 over 3 years so €230 month for 3 years (less as I can save any spare cash over the next 3 years). I could also have gone down the Credit Union or Bank Loan route, presume I could negotiate them to give me the €4k trade in, and €4k cash, I’d have had €15k to finance via bank loan, which would have cost me €300/month for 5 years
They were my choices, each to their own. Now, back to Avocado Toast |
Posted By: 9fingers
Date Posted: 21 Jun 2017 at 3:31pm
If it suits your needs then happy days. I was just posting to point out the negatives of it as only the positives had been covered so far
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Posted By: Zinedine Kilbane 110
Date Posted: 21 Jun 2017 at 3:35pm
I would say do some research before you jump into it. 90% of the time the best option will be 1) Post office 2) Bank Loan 3) PCP / Hire purchase / Leasing option Sheide looks like he did his homework and it worked out for him. ------------- |
Posted By: 9fingers
Date Posted: 21 Jun 2017 at 3:45pm
I wouldn't be purchasing a car under it anyway, that's for sure. Deise, another who'd be in the trade, I'd imagine would agree Personally I'd never buy a brand new car, 3 or 4 year old car bought with trade in & CU loan is the best & safest way imo |
Posted By: Zinedine Kilbane 110
Date Posted: 21 Jun 2017 at 4:48pm
Yeah its personal preference. I've always bought 2nd hand but then I don't use it for work. My Missus uses PCP (she is really bad with money) and changes every 3 years but she uses her's for work and wants a reliable car. And yes I do get stick that her car is better than mine. ------------- |
Posted By: Sham157
Date Posted: 21 Jun 2017 at 4:51pm
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Will be hopefully changing car in the new year, been having a look at the various options so interesting to read some personal experiences here. On my current car, I went HP initially but then got a CU loan and cleared the HP. Obviously I can now pay back extra when I want to clear it a bit quicker so thatch handy. I saved just over a grand by paying the HP as opposed to letting it run to term. Reckon I'll go the CU loan route next time and buy something a couple of years old.
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Posted By: deise316
Date Posted: 21 Jun 2017 at 11:15pm
No, wouldn't go next or near one, for a number of reasons. But just to clear up a few points Shedite made, because some are incorrect - You can't modify it in any way whatsoever. Even putting a towbar on it, theoretically adding value to it, will likely result in money being taken off the fixed trade in price at the other end. Not because the car is worth more or less, tis just because you haven't obeyed the small print. On some of them, services, crash repairs will have to be carried out by specified dealers/repairers (obvious enough why) and all the rest of the stuff 9F pointed out. It is a finance agreement, but as the small print says ''You DO NOT own this vehicle until the final repayment has been met'' . This is where car finance differs from a bank or CU loan, in those cases, you do own the car, and if you needed money for something unforseen, you could sell it tomorrow with 4 years and 11 months left on a 5 year loan, the bank don't care. You can't sell a PCP car on to someone else, nor a car with outstanding finance, legally, at that point, it is the property of the finance company. You can of course tax & insure it as your car, none of the finance, insurance or motor industries would function if you couldn't. PCP itself- The cost/deposit. So you are getting 4K off a new car by trading in your 12 yr old ball of scrap on wheels ?? Eh, you aren't. You are getting precisely nothing. Put it like this, if you are buying a 24K car, you could trade in your old one under PCP & get it for 20k, like the Ad says. Or, if you could come up with 20K some other way, head in to the dealer with it, and you will get it for 20k, you might even get it for 19K, depending on what shape the garage.industry is in at the time (though you have no way of knowing this). Cash is king, cash with no trade in- even better. Here's the thing though, nobody stops at the first PCP (nor do they want you to). You will get your guaranteed value for the car as a trade in (there is a flaw here as well, I'll get to it in a minute) and instead of paying off the final lump sum, most will likely just change cars for another new one. Which might be a bigger & more expensive car, maybe your family has got bigger in the 3 years, an extra kid or something, or you are doing more mileage & want something more comfortable. So, you can afford the repayments, and on you go again. 5 or 6 cars down the road, when you are maybe close to retiring age, you will need half your entire pension to pay off the lump sum on your last purchase. Some won't, they will be prudent about it & just buy one VW Polo after another, so the final payment won't be too bad, but most who start on this road will end up in something bigger & more expensive when the entire process ends. Yer also more or less stuck with the manufacturer you choose. Take a loan out to clear the final payment on yer Renault or Peugeot, maybe you fancy something more exotic, head in to your VW /Audi dealer with it & see how much you will get for it. They won't want the thing, and will give you less than the Renault dealer will, so you will likely lose something on the trade in if you switch manufacturer/dealer. Maybe not a huge concern for some, but it will be a factor for some down the road. It's not all bad, and the example Shedite did give in comparison to the bank loan proves this, the cost of credit was a lot less via PCP. But really, it is just a way of selling new cars, I don't quite buy the new car reliability argument, with your new PCP car, any repairs will be covered under warranty (it doesn't mean the car will be reliable, just that you won't have to pay to fix it)- buy a 3 or 4 yr old yoke in a dealer, you will be able to negotiate 12 months warranty, after a year, you will probably have an idea if the car is reliable or not, if yer still worried, take out a 3rd party warranty with the likes of Mapfre for a few hundred quid, they don't cover everything, but all major mechanical/electrical stuff will be covered, minimising large expenses. As 9F said, it really depends on whether you want a new car or not, and I don't think I've ever met a single person in the trade who bought a new car. Plenty trade lads driving them alright, all demos/company cars where the dealers are encouraged to register new cars to keep up market share & sales targets and then sell as 2nd hand/near new at a later point. ------------- Picked the wrong week to quit sniffing glue..... |
Posted By: Gary McKay
Date Posted: 22 Jun 2017 at 12:05am
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Mapfre 👍 ------------- "Smalling and Jones.... have the potential to be the PL’s best ever pairing in my opinion." - SlurAlex |
Posted By: Gashley Grimes
Date Posted: 22 Jun 2017 at 12:15am
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Posted By: Shedite
Date Posted: 22 Jun 2017 at 9:20am
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Fair enough deise, my circumstances made sense to go PCP. I did the maths, weighed up the pros and cons and haven't regretted it so far anyway. But I agree PCP is definitely something that people need to understand more than just the flashy ads - I can imagine there are definitely some people signing up and getting a shock down the line.
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