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They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Australia

They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Australia

Old Jun 24th 2020, 1:55 pm
  #16  
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Default Re: They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Austra

Originally Posted by Amazulu View Post
I don't get involved in house price discussions on here as it's pointless but there is one undeniable fact about the place you live in - you either pay your own mortgage or you pay someone else's. Another point is that the state provided pension systems in Germany and other Western European countries are in structural trouble. Increased life expectancy and health outcomes means more old people taking more out of the pot, leaving less for the next generation. This, with a lack of property ownership as an asset, means that there's big problems being stored up. Countries that have a big private pension system and high levels of home ownership - UK, USA, Canada, Australia, Ireland, Netherlands etc - are in a much better long-term position
You are right and house price discussions make no sense. You either buy at the right time/sell at the right time or buy at the wrong time/sell at the wrong time and if you rent, you're paying someone else's mortgage. I just don't agree with this: many prefer renting not because they can't afford to purchase, just they don't see the need. Renting in Germany comes with protections, unimaginable in Australia. You are very right and a lack of property ownership will certainly cause many problems, which is already showing in Germany. Unless it's state owned social housing, you then end up with fewer landlords who own multiple properties and they can control the rental market. This is already the case in Germany and many pensioners can't afford the rent.

Last edited by Moses2013; Jun 24th 2020 at 1:57 pm.
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Old Jun 25th 2020, 12:05 am
  #17  
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Default Re: They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Austra

Originally Posted by Moses2013 View Post
You are right and house price discussions make no sense. You either buy at the right time/sell at the right time or buy at the wrong time/sell at the wrong time and if you rent, you're paying someone else's mortgage. I just don't agree with this: many prefer renting not because they can't afford to purchase, just they don't see the need. Renting in Germany comes with protections, unimaginable in Australia. You are very right and a lack of property ownership will certainly cause many problems, which is already showing in Germany. Unless it's state owned social housing, you then end up with fewer landlords who own multiple properties and they can control the rental market. This is already the case in Germany and many pensioners can't afford the rent.
It wasn't me that said that BTW. Agree with your sentiment though
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Old Jun 26th 2020, 3:15 am
  #18  
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Default Re: They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Austra

Originally Posted by Moses2013 View Post
Sure but things have changed in Germany too and the high standards often only come into play when it's your own home + you have a population of 80 million. Germany is only cheap when you want an apartment and houses with decent land are only cheap if they are in the East, or places where unemployment is high. The Germans also have a contemporary taste, while the British seem to love everything old and the Irish unfortunately follow the same kind of taste. Most landlords here in Ireland seem to be farmers, so you know what you can expect and during the boom is was just a quick profit. Luckily the mentality is changing and now you see more heat pumps, less oil heaters and better window suppliers etc. I still wouldn't want to rent here but since we bought after the boom and have a good mix of German and Scandinavian fixtures that we put in, the standards as you say are better and we had enough cash left to do it. No doubt it all comes down to timing and there are good times and bad times.
Only partially true. It is true about contemporary taste and land having shot up in price, but still very possible to buy for a good price an older 'farmhouse' (very well built) in villages in Baden Württemberg in The South.(not really a farm, just title) Spotted one on the market just recently. Thing being the up keep for such houses can be enormous. Roof repairs alone a small fortune. We own two rental properties in the area and though costs around the rent have risen, the rent has only risen a little and does barely cover increased costs . That part of Germany, has a tradition of buying own property. The population are very thrifty with money and good at making it. A little 'alien' to other Germans in many things perhaps, especially in speech.

Actually that experience led my decision to not purchase in Berlin, what would have been a great deal in appreciation stakes but renting is so hit and miss. We are reasonably convinced foreign criminals inhabit one of the places. Police have broken down the door on one occasion after firearms reported on property. Nothing found. They remain there. Nothing we can do to get them out as rent always paid and rental protection laws in Germany do what thewy say on the package.
Not been back to Ireland for decades since the sale of the house on Lake Corrib, Co Galway. Odd I suppose in the sense that was purchased by a German woman artist. She would have done very well though with the substantial leap in prices not too long after.



The fact is investment in Real Estate has taken off in a large part due to so little on offer to place money for a return in Germany.
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Old Jun 26th 2020, 3:30 am
  #19  
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Default Re: They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Austra

Originally Posted by Amazulu View Post
I don't get involved in house price discussions on here as it's pointless but there is one undeniable fact about the place you live in - you either pay your own mortgage or you pay someone else's. Another point is that the state provided pension systems in Germany and other Western European countries are in structural trouble. Increased life expectancy and health outcomes means more old people taking more out of the pot, leaving less for the next generation. This, with a lack of property ownership as an asset, means that there's big problems being stored up. Countries that have a big private pension system and high levels of home ownership - UK, USA, Canada, Australia, Ireland, Netherlands etc - are in a much better long-term position
When houses are over priced and personal debt levels are at all times highs, it counters the usually given benefits of house ownership. The obscene price rises over recent times, have shackled a big per cent to life time and beyond debt or indeed excluded many from the market altogether.
There have already been' tampering' with most Western European social security and pension systems. No one can know how effective the Australian private system will prove longer term. A reliance on the stock market together with future government
interference' in getting 'their hands' on the money, may prove irresistible as we move into very uncertain times economically. Not to say the excessive fees charged in the process of private companies being spoon fed by government.
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Old Jun 28th 2020, 10:05 am
  #20  
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Default Re: They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Austra

Well, she's right about one thing, "flies are everywhere". I absolutely can't stand the bush flies, even though they don't bite, and would never consider living inland enough where they are a problem. It even bothers me to watch other people trying to ignore them on the TV news, when they crawl across people's faces.

And even worse are the midgies, near swampier parts of the coast.

However, Australian mosquitoes I can live with, even though after 15 years here I still get serious welts from their bites. They are sneakier (less noisy in flight) than North American mosquitoes, but they don't come in such numbers.

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Old Jun 28th 2020, 11:37 am
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Default Re: They Drink A Lot - Eight Things A Backpacker Wished She'd Known About Austra

Originally Posted by abner View Post
Well, she's right about one thing, "flies are everywhere". I absolutely can't stand the bush flies, even though they don't bite, and would never consider living inland enough where they are a problem. It even bothers me to watch other people trying to ignore them on the TV news, when they crawl across people's faces.

And even worse are the midgies, near swampier parts of the coast.

However, Australian mosquitoes I can live with, even though after 15 years here I still get serious welts from their bites. They are sneakier (less noisy in flight) than North American mosquitoes, but they don't come in such numbers.
Yep, sand flies are the worst.
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