Irish Taxi Forum

Public Area => Taxi Talk => Topic started by: John m on October 10, 2023, 08:57:10 am

Title: Budgety sort of stuff
Post by: John m on October 10, 2023, 08:57:10 am
Middle aged bloke with a mortgage two working with adult kids .What will you get .a few quid off your power bills but with Israel at War the Arabs will cut Oil Supply like they did during the 1970 so expect 2.50 a Liter and power cuts .That few quid will be gobbled up in extra costs .Two working you wont get any Mortgage interest relief ?No school book or Childrens allowance Bonus  Small cut to Social Charge wont affect us we earn to little small personal tax band increase worth about 3 euro a week .Probably half a quid on the Smokes .Overall you will be worse off tomorrow than you are today .

If you have 4 kids and on the dole its going to be like Grand National Saturday in the que in the Bookies to Collect your winnings .More dole ,more Childrens allowance free school books and HAP .Fair play to those clever enough to realize work does not pay .I doubt 1.40 an hour increase in minimum wage will be enough to motivate you to get out of bed before the First race .
Title: Re: Budgety sort of stuff
Post by: mercenary for hire on October 10, 2023, 09:00:03 am
They keep going on about mortgage interest relief but it only applies to relatively new mortgages.
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 09:14:46 am
They keep going on about mortgage interest relief but it only applies to relatively new mortgages.

I didnt get to read the whole proposal but it seems the limit is 1200 thats about a ton a month not a lot off a 2000 monthly repayment .That is the Max so on a smaller mortgage you might get a fiver a week if you qualify .

On paper this looks a Good budget but when you break it down its a lot of smoke and mirrors .It looks very much like an election budget .Like I poster earlier we win the Rugby I think Leo calls a Quick election to cash in on the Feel Good factor of the budget and Victory .Take the Chance FF/FG and the Social Democrats can get 86 seats between them Keep the Shinners out .Shinners will be the largest party or the Fattest Girl at the Dance but nobody will want to dance with them .If the Shinners do well they will take seats from the Left like Profit from the People and the Greens and a few Independents so there wont be anybody left to form a coalition with that can work .Leos Ego will make him go for it >if he waits until after the Local elections next year he is gone .There was supposed to be a referendum on the Womans Place in the Home in November but that has been canceled .Watch this space or even have a few quid with Paddy Power an election this year .If the Shit really hits the fan in Israel and we have Petrol shortages and ESB cuts the economy will go down the shitter .Another Clue is the Greens got their 25% cut in baby Zoo fees that will be their election buzz we got the Zoo fees reduced and look how clever we were changing over to wind energy so oil shortages dont effect us .
Title: Re: Budgety sort of stuff
Post by: Cool Boola on October 10, 2023, 10:33:55 am
OMG… got the Zoo fees cut….they should get the fences cut!
Title: Re: Budgety sort of stuff
Post by: watty on October 10, 2023, 11:46:51 am

Fair play to those clever enough to realize work does not pay .I doubt 1.40 an hour increase in minimum wage will be enough to motivate you to get out of bed before the First race .


This! I wonder who's gonna pay for all this?  And as I posted in another thread, what company is gonna employ people when it's so expensive to do so. 

And let's not forget the national debt - it's hasn't gone away, you know...
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:19:51 pm
For those who do not listen carefully .The Government say they will have to pay 3.3% on a Ten year bond .That means they have to pay that interest rate on borrowed money .Now how much do you think the Banks will want from you for your Mortgage if they can get that return off the Government .You can expect to pay at least 3.5% for your Mortgage for the next ten years .
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:34:54 pm
USC exemptions for FULL MEDICAL CARD HOLDERS ....You must hold a full medical card or a Health Amendment Act Card to qualify for the reduced rate. People who hold a GP visit card, a Drugs Payment Scheme Card, a European Health Insurance Card or a Long-term Illness Scheme Card do not qualify for the reduced rate.
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:37:49 pm
No increase in Petrol or Diesel Tax unless you count the increase in Carbon Tax so both going up plus increase in ESB and Gas .Thanks Eamo .
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:40:43 pm
75 CENTS ON THE CANCER STICKS
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:47:20 pm
3 Billion in Climate funds .So expect the EV Grants to be extended into next year ?
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:49:36 pm
DID ANYBODY SEE THE OWL .That was like the Late Late Budget something for everybody in the audience .The smell of election off of it .
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:53:31 pm
Double Double Childrens allowance and Dole Payments one before X mas and one after .
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 01:54:42 pm
University Fees reduced by a Grand .
Title: Re: Budgety sort of stuff
Post by: silverbullet on October 10, 2023, 01:58:06 pm

Fair play to those clever enough to realize work does not pay .I doubt 1.40 an hour increase in minimum wage will be enough to motivate you to get out of bed before the First race .



This! I wonder who's gonna pay for all this?  And as I posted in another thread, what company is gonna employ people when it's so expensive to do so. 

And let's not forget the national debt - it's hasn't gone away, you know...

The National Debt:
http://www.youtube.com/watch?v=mLA-4zZM0cI (http://www.youtube.com/watch?v=mLA-4zZM0cI) 8)
Title: Re: Budgety sort of stuff
Post by: mercenary for hire on October 10, 2023, 01:59:48 pm
It's worth noting that they've started talking down the dangers of a flagging economy as soon as the shinners are winning in the polls.Putting it in people's mind that the shinners might fuk things up even more if people want them in.
Title: Re: Budgety sort of stuff
Post by: silverbullet on October 10, 2023, 02:05:13 pm
It's worth noting that they've started talking down the dangers of a flagging economy as soon as the shinners are winning in the polls.Putting it in people's mind that the shinners might fuk things up even more if people want them in.

ARMALITES

THERE'S ONE FOR EVERYONE IN THE AUDIENCE. 8)
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 02:05:27 pm
FREE School books for Secondry school kids for the first 3 years .
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 02:06:40 pm
Dole up 12 notes per week .Free travel extended (less Customers )
Title: Re: Budgety sort of stuff
Post by: silverbullet on October 10, 2023, 02:07:04 pm
Free Condoms
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 02:08:00 pm
he givith and he take it away .Social charge down PRSI Up .
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 02:15:42 pm
Big Dommo knows Maths 22.5 Billion wont clear the backlog or waiting lists .Paggo says they will recruit more Staff .Check with the Universities there has been no increase in the amount of Nurses or Doctors attending Universities .SO WHERE ARE THE STAFF COMING FROM .Will they migrate here for work and need housing .Solve one problem cause another one .
Title: Re: Budgety sort of stuff
Post by: John m on October 10, 2023, 02:32:11 pm
So whats in it for Us .You might qualify for the Mortgage interest relief .I think you have to apply on line through my Tax website but not yet after the Finance bill is passed it does not come in until December .

Green Fund should mean EV grants extended next year ?

A bit of savings on tax .No savings on USC or PRSI .01% increase in PRSI .

Increase in Carbon tax on fuel but Duty frozen until next year .

Interesting remark by Paggo .He said Funding for Electric Busses and Hybrid Electric Busses ? Is there any chance there will be funding for Hybrid Taxis ?

Smokes Up 75 cent from midnight .

Put it all togeather If you drive and Smoke after this budget you are about even .You might get a Grand in Mortgage interest tax break .Only good bit is the possibility of extending the EV Grants ?Free Books for your secondry school kids and a grand saving on Third level fees .Double Childrens allowance and a cut in Zoo fees if you cage your kids while you work .a few quid for Fuel poverty .

I dont have a Mortgage or School going kids I get about a tenner a week extra .
Title: Re: Budgety sort of stuff
Post by: Cool Boola on October 11, 2023, 11:08:42 am
Some people might be better off if the allowances apply to them. Overall,with inflation continuing, I cant see it balancing out for me as everthing is still cosing more and a lot of the Governments mirage tactic's are just one offs.  At least they did not hit the Drinnkkk? :2cheers
Title: Re: Budgety sort of stuff
Post by: John m on October 11, 2023, 01:01:49 pm
Some people might be better off if the allowances apply to them. Overall,with inflation continuing, I cant see it balancing out for me as everthing is still cosing more and a lot of the Governments mirage tactic's are just one offs.  At least they did not hit the Drinnkkk? :2cheers

You get a bit on the OAP .Although they increased the OAP they did not increase the limit for claiming a Medical Card .Some poor cunt will lose his Medical Card because he is now over the Limit for it .
Title: Re: Budgety sort of stuff
Post by: John m on October 13, 2023, 01:26:23 pm
Big Dommo knows Maths 22.5 Billion wont clear the backlog or waiting lists .Paggo says they will recruit more Staff .Check with the Universities there has been no increase in the amount of Nurses or Doctors attending Universities .SO WHERE ARE THE STAFF COMING FROM .Will they migrate here for work and need housing .Solve one problem cause another one .

PAGGO  was wrong .THE HSE is to impose a wide-ranging recruitment freeze that will include junior doctors, clerical, agency and patient staff, healthcare assistants and home helps, the Irish Independent has learned.
The freeze will be confirmed in a memo to be issued to healthcare unions today, with an exemption for hospital consultants, GPs, nurses as well as health and social care professionals.
Title: Re: Budgety sort of stuff
Post by: silverbullet on October 13, 2023, 03:03:25 pm
We've about 160K left on this mortgage, so I guess we're in for the paltry €1,250 mortgage interest relief.
Title: Re: Budgety sort of stuff
Post by: John m on October 13, 2023, 10:08:34 pm
We've about 160K left on this mortgage, so I guess we're in for the paltry €1,250 mortgage interest relief.

Only if you have a variable or Tracker Mortgage .If you have a fixed rate deal you get nothing .
Title: Re: Budgety sort of stuff
Post by: John m on October 14, 2023, 07:31:16 am
More Gooder News as Donny T would say ,The Goodest bit of News Saudis turn down the Oil Supply so do Russia and Iran .Juice goes up to 2euro+ plus a sup and fuels inflation .The ECB dont give either of their fucks they only see inflation going up so Increase Interest rates again again .That 1200 Tax cut for Gaff buyers gets gobbled up faster than a Leo in the George .The tenner a week we were going to get from the budget is eaten up by extra juice costs .130K left on your Mortgage .Have you got good fire insurance ?
Title: Re: Budgety sort of stuff
Post by: silverbullet on October 14, 2023, 03:48:17 pm
We've about 160K left on this mortgage, so I guess we're in for the paltry €1,250 mortgage interest relief.


Only if you have a variable or Tracker Mortgage .If you have a fixed rate deal you get nothing .

I'm a Tracker Knacker.
http://www.youtube.com/watch?v=Ekv4FEmXMPw (http://www.youtube.com/watch?v=Ekv4FEmXMPw)
Title: Re: Budgety sort of stuff
Post by: mercenary for hire on October 14, 2023, 04:07:51 pm
SB I'm curious as to why ya didn't get a cheap fixed rate a year ago when they were easy to lock in and all the talk on the news was about rising rates.

Rates are likely gonna keep rising and that's still a decent size loan to have at 160k.Mine has been fixed since June 2022 until 2025.

Title: Re: Budgety sort of stuff
Post by: silverbullet on October 14, 2023, 04:12:55 pm
SB I'm curious as to why ya didn't get a cheap fixed rate a year ago when they were easy to lock in and all the talk on the news was about rising rates.

Rates are likely gonna keep rising and that's still a decent size loan to have at 160k.Mine has been fixed since June 2022 until 2025.
We sat on the fence. We didn't realise there was a permacrisis, and that we'd have to bail out Europe, plus fund the war in Ukraine.
Title: Re: Budgety sort of stuff
Post by: mercenary for hire on October 14, 2023, 04:25:09 pm
Ah ok SB thanks for the honest answer.It's hard to pick which way to go sometimes.At least the 1250 will ease some of the pain.

It's odd that the government gave two fingers to the ECB by putting money back in the pockets of those that rate rises were meant to hurt.

I handed back my tracker to BOI many years ago knowing full well the consequences and somehow I still got compo out of the tracker enquiry because they're shit at their jobs and didn't keep proper records.
Title: Re: Budgety sort of stuff
Post by: silverbullet on October 14, 2023, 04:37:41 pm
Ah ok SB thanks for the honest answer.It's hard to pick which way to go sometimes.At least the 1250 will ease some of the pain.

It's odd that the government gave two fingers to the ECB by putting money back in the pockets of those that rate rises were meant to hurt.

I handed back my tracker to BOI many years ago knowing full well the consequences and somehow I still got compo out of the tracker enquiry because they're shit at their jobs and didn't keep proper records.
We had a good run with the tracker for years. now we're paying €300 extra per month. I never understood why mortgage holders could help reduce inflation by reducing spending power, yet those in social housing are buying new cars.
Title: Re: Budgety sort of stuff
Post by: mercenary for hire on October 14, 2023, 04:46:07 pm
Yeah the system is broken alright.
Title: Re: Budgety sort of stuff
Post by: silverbullet on October 14, 2023, 04:54:38 pm
Ah ok SB thanks for the honest answer.It's hard to pick which way to go sometimes.At least the 1250 will ease some of the pain.

It's odd that the government gave two fingers to the ECB by putting money back in the pockets of those that rate rises were meant to hurt.

I handed back my tracker to BOI many years ago knowing full well the consequences and somehow I still got compo out of the tracker enquiry because they're shit at their jobs and didn't keep proper records.
We had a good run with the tracker for years. now we're paying €300 extra per month. I never understood why mortgage holders could help reduce inflation by reducing spending power, yet those in social housing are buying new cars.
Today's IT:
https://www.irishtimes.com/property/2023/10/14/for-well-over-a-decade-tracker-mortgage-holders-were-on-the-pigs-back-things-have-changed/ (https://www.irishtimes.com/property/2023/10/14/for-well-over-a-decade-tracker-mortgage-holders-were-on-the-pigs-back-things-have-changed/)

For well over a decade tracker mortgage holders were on the pig’s back. Things have changed
Mortgage holders who have been paying high interest rates for years are annoyed about plans for morgage interest relief for a minority on trackers




Conor Pope
Sat Oct 14 2023 - 06:06

Bizarre, problematic and a kick in the teeth are not words that the Minister for Finance Michael McGrath would have hoped to hear after announcing what should have been one of the more popular measures in Tuesday’s budget.

Such is the inequitable and eternally divisive nature of housing in Ireland, however, that the introduction of mortgage interest relief of up to €1,250 for about 160,000 mortgage holders was not greeted with universal acclaim.

Many of the more than half a million other mortgage holders not benefiting from the governmental largesse were left asking, “what about us?” Those for whom the prospect of home ownership is remote and people struggling in a dysfunctional rental sector were similarly perplexed by the plan.

Going way back to when that man on the bus exclaimed “I don’t know what a tracker is”, Ireland’s homeowning classes have been split between haves and have-nots.


The haves had the trackers – mortgages tied to European Central Bank (ECB) interest rates – while the have-nots were on variable and fixed rates set by indigenous banks at levels they reckoned the market could bear, irrespective of whether or not they were equitable or affordable.

For well over a decade the tracker holders were on the pig’s back, paying rates of as low as 0.6 per cent and almost never more than 2 per cent. By contrast, variable and fixed-rate holders were routinely paying over 3 per cent, with some paying more than twice that, for home loans.


Then, in July of last year, things started to turn for tracker holders and it would be hard to exaggerate just how painful that turn has been for many already struggling with a deepening cost-of-living crisis.

A total of 10 ECB rate increases since the summer of 2022 has taken tracker rates up by an eye-watering 4.5 per cent and forced those with mortgage deals they were always told were as precious as gold to pay hundreds of euro more each month to their banks. Few will have any change out of €3,500 when the interest hike impact is spread over a year while many will be substantially worse off than that.

[ Mortgage interest relief: How do I apply and how much can I save? ]

The harsh reality is these high rates will be with tracker holders for quite some time, with the ECB president Christine Lagarde last month dismissing the prospect of a reversal of its aggressive monetary policy which seeks to bring euro zone inflation under control, no matter the cost to Irish borrowers.

Lagarde said the hikes had “made sufficient contributions ... to returning inflation to target in a timely manner”, adding that the focus was “probably going to move a bit more to the duration”. She stressed that the prospect of a future cut in borrowing costs “was not even a word that we have pronounced”.

As had been widely flagged, Michael McGrath said he was introducing mortgage interest relief and, in his speech, added that he was “acutely conscious” of the impact ECB hikes have had on many households.

He stressed that it was “not possible or desirable for Government to attempt to mitigate in full the impact of increased interest rates” but added that “what we have experienced in the past 14 months is exceptional in the history of monetary union, and 10 successive interest rate increases have put many mortgage holders under considerable pressure.”


It was a well-meaning attempt to help thousands who have been mercilessly punished by ECB policy, but within hours it was being described as “problematic” and “bizarre” by some in the financial sector. Fixed-rate mortgage holders – lacking the luxury of tracker mortgages for the decade or so before the cycle of hikes – were left scratching their heads at the unfairness of it all.

[ Mortgage interest relief – who is not getting it and why? ]

Daragh Cassidy of price comparison and switching website bonkers.ie says the relief should have been “more targeted and there should have been a requirement to show that you are in some type of financial distress”. He says the focus should have been on those whose loans have been “sold to vulture funds and who cannot move lender and who have seen their rates go as high as 8 per cent or 9 per cent.”

He points out that tracker holders “have enjoyed rock-bottom interest rates for many years [and] could have been on a rate as low as 0.6 per cent since 2014, while everyone else was paying around 3 per cent or 4 per cent. It is only over the past six months – if even – that tracker customers are paying rates that are higher than everyone else.”

He argues the “entire point of a tracker is that your rate can go up or down. Tracker customers had a great run of things for many years. So it just seems a bit bizarre that the Government is rushing to help them the second rates go up.”

It is also worth noting, he says, that until recently Irish mortgage rates were “among the highest, if not the highest, in all of the euro zone. Partly because everyone else had to subsidise the ultra-cheap, near loss-making trackers. Where was the help for other mortgage customers back then?”

He accepts that tracker customers unprepared for an increase in rates would have been shocked by the scale of the hikes but notes that “the average outstanding balance on a tracker is less than €150,000. And most will only have around 10 or 12 years remaining on their loan term. This means most tracker customers’ current mortgage repayment, despite the recent hikes, will be lower than many other mortgage customers’ repayment.”


Cassidy describes the relief as “a classic example of the Government bowing to political pressure at the last minute when there was really no need to do so.”

His was not a lone voice. Rachel McGovern of Brokers Ireland told The Irish Times it “would have been better if we had seen a return to the old mortgage interest relief system for a fixed period of, say, three to five years to assist consumers who will be coming off fixed rates over the next 12-24 months, as they will be caught with increasing rates”.

And then, of course, there were those who will continue to pay the price for not having a tracker who were vocal in their disquiet.

“Back in 2013, when I purchased my original property, I secured a fixed-rate mortgage at a rate of over 5 per cent,” says Daniel O’Sullivan. “During that time, the support for individuals like myself was scant to non-existent. Fast forward to a more recent purchase, I once again opted for a fixed-rate mortgage, this time at 2.85 per cent for a 10-year term as my family began to grow.”

He says measures favouring tracker mortgage holders have left him “feeling as though fixed-rate mortgage holders are being overlooked, if not penalised, for the decisions we made. While tracker mortgages have seemingly enjoyed more favourable terms for years, those of us on fixed rates have navigated through higher interest rates with little to no relief.”

[ Dominic Coyle: Mortgage interest relief in budget will benefit the few rather than the many ]

O’Sullivan’s sense of unfairness is echoed by others. “We are on a fixed-rate mortgage since 2009,” says Eoghan Doyle, another homeowner who contacted The Irish Times this week. “We made that choice to be prudent in relation to our mortgage payments. We had the option of cheaper variable rates at the time. It really does feel like a kick in the teeth that the Government is rewarding people for choosing variable rates, essentially gambling that the price would stay low. Now that the prices have risen and they are feeling the financial implication of their decision, it’s very annoying that the gamblers are getting the reward and the people who made safe decisions to manage their finances are being punished.”


He asks why people should “even bother trying” to manage their finances at all “when the Government are essentially bailing you out for a poor decision that has now come back to bite you”.

Ian Carty bought his home in May 2008 – the “worst period to buy,” he suggests.

“We have a 40-year mortgage. How in God’s name can a small group of borrowers ... get rewarded with more protection when they had the choice to go fixed? I also want to add that most of those on tracker mortgages do not have a 40-year mortgage.”

He is on a 2.65 per cent fixed rate until June 2025, “but we suffered the most during the hard times and in the good times”.

For his part, Derek Lawless says he “can’t understand the reasoning behind targeting it at people with tracker mortgages”. He echoes the view of others when adding that tracker holders “had their good fortune and I don’t recall much concern at the time for people on variable or fixed rates.”

Bernard O’Neill points out that the “warnings of rate hikes have been loud and clear for over a year. Those who heeded the advice and fixed now get nothing and those who didn’t get support. Why should you get help when you had an option to protect yourself but ignored it?”


it doesn't mention the hundreds of thousands on HAP payments shelling out a paltry €33.00 per week for a two-bed luxury apartment, or a three-bed house in a sought-after area. There's a reason why they're not putting their heads above the parapet.



Title: Re: Budgety sort of stuff
Post by: John m on October 14, 2023, 07:13:41 pm
Ah ok SB thanks for the honest answer.It's hard to pick which way to go sometimes.At least the 1250 will ease some of the pain.

It's odd that the government gave two fingers to the ECB by putting money back in the pockets of those that rate rises were meant to hurt.

I handed back my tracker to BOI many years ago knowing full well the consequences and somehow I still got compo out of the tracker enquiry because they're shit at their jobs and didn't keep proper records.
We had a good run with the tracker for years. now we're paying €300 extra per month. I never understood why mortgage holders could help reduce inflation by reducing spending power, yet those in social housing are buying new cars.

FOR THOSE WHO MISSED THE POINT ...For those who do not listen carefully .The Government say they will have to pay 3.3% on a Ten year bond .That means they have to pay that interest rate on borrowed money .Now how much do you think the Banks will want from you for your Mortgage if they can get that return off the Government .You can expect to pay at least 3.5% for your Mortgage for the next ten years .


IF YOU CAN FIX NOW AT UNDER 3.5% I would take it .
Title: Re: Budgety sort of stuff
Post by: John m on October 23, 2023, 12:40:47 pm
For those who do not listen carefully .The Government say they will have to pay 3.3% on a Ten year bond .That means they have to pay that interest rate on borrowed money .Now how much do you think the Banks will want from you for your Mortgage if they can get that return off the Government .You can expect to pay at least 3.5% for your Mortgage for the next ten years .

Your budget tenner a week wont go far .....Inflation in the eurozone has been running above target for 27 consecutive months. It peaked at 10.6 per cent in October last year and remains well above target at 4.3 per cent right now. The European Central Bank has responded by undertaking an unprecedented interest rate hiking cycle, shifting its deposit rate from -0.5 per cent to 4 per cent in little over a year.
.

Some of the biggest money managers in Europe say traders are wrong to bet the European Central Bank is done hiking interest rates.

As a net energy importer, the region is particularly exposed to rising prices if the crisis in the Middle East escalates, and markets are underestimating the possibility of additional tightening in response, according to Legal & General Investment Management, Vanguard Asset Management Ltd and Robeco Groep. That leaves short-maturity government bonds particularly ...

  If you havent already done so try fix your Mortgage for a few years .If you can get under 3.5% .

Europe imports all Fuel so increased prices will increase inflation .