Like you say, work out - can you afford it, do you need it - or perhaps more importantly can you afford to live with it earning no income. Due to family circumstances I worked from the age of 12 - at 14 was head of my home due to family illness and at 16 left home and supported myself ever after. I can remember living in Renvyle and a guy who owned land out in Mullaghgloss on the beach saying he would love to own a bare field as you came into Moycullen - I looked and could not understand the desire for that land - that field must have 80 houses on it now. Fool or visionary - depends on how far away you stand.
The last decade in Ireland has shown me that that there is no real differential between economic belief - it is cyclical in nature - how you deal with the cycle and where you jump on and off is the key. I am sure many speculators managed to do this, therefore precipitating the crash. But it was an era of spectacularly wreckless spending - when 2 people on industrial wages were given access to funding to purchase 2 more homes - personally, I can see the folly before I start to add the numbers.
Throughout this story there was an underlying sense of their own sense of entitlement. I think that's why my sympathy was limited - they refused to make there own situation easier and seemed to have planned the media coverage.
Today in a position can't get more than 100k mortgage from the bank to buy a 5 bed bungalow - with a deposit of 25k - short about 12k but it might as well be a million when you can't raise it.
It's desperation time maybe I'll get a PM from someone offering me an advantageous rate in exchange for the children's allowance book and the threat of waking up in a bath of ice one morning, missing a kidney ...
Anyone any idea where the cheapest place to get a loan is? I have money tied into a 4 year account with no get out clause & want to use it to guarantee the loan I need. Looking around & just under 10% apr seems average - anyone done any better?
But you could claim to be captain of your own craft - surely that would impress a girl or two ? (and yes I have ventured into the big, scary world of the inters!) Unless the craft was origami or flower arranging ....
I thought that too - but the 3G is useless were I lived and were I moved to. Plus I could have the phone next to me, it wouldn't ring but then I would get a text saying I had a message. I specifically got the phone so could use Skype to ring family in UK - ended up with a 125 euro bill over Xmas cos I could never get it to work and resorted to using the phone. Also the local phone shop supposedly checked my address and said it had 3G coverage but then when it didn't work - it was my fault for not buying a SIM and testing it before signing the contract. That said - if I lived in Dublin or middle of a town I'd probably have been happy with it. Mind you, got a Tesco SIM as they are doing 1 cent UK landline calls - before jumping into another contract and my coverage is atrocious. I think it must be me, that I divert phone signals or something
Not a big pizza fan but the kids like it - the thin one in the fridge in Lidl is nice and the best frozen one is Dr Oetker - although it galled me to buy a German manufactured, apparently medically approved genuine Italian pizza Eldest daughter is on a gluten free diet at the moment, so we made our own pizza this weekend with a potato based pizza dough and it was quite yummy when it was finished.
Where you live sounds pretty good to me It is how to approximate that feeling to kids who live in small, under resourced, over developed and miles from anything townlands.
RE: Disgraceful!!
thanks for the succinct synopsis.