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Super Spammer
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 Posted: 15:17 - 17 Nov 2018  Post subject: |
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| Polarbear wrote: | Thatcher
If you actually look back on her 'reign' (yes, she also used the royal 'We') she did jack shit except destroy.
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This myth seems to have been trotted out so often that it almost seems true now to some.
During her reign, average median income of a 2 income household rocketed from 65% to well over 80%. It was a boom time, remember characters like "Loads of Money", mocking stinking rich plasterers? I don't remember this doom and gloom myth which people trot out.
Ownership of housing boomed, so did cars, central heating, telephones..standard of living increased significantly.
She made some unpopular decisions, which were actually the correct thing to do. Coal was dying on it's arse as people moved to gas, you can't keep mining it if nobody wants to buy it. Poll tax, even though I was caught in it, was the fairest way of charging people for services consumed. Why should I pay the same council tax as a household of 15 consumers?
As for the Falklands war, are you for real? It's British sovereign territory. At what point did you think the Argentinian invaders are the victims here? They invaded a British Island, are we supposed to ignore the citizens on there and allow a foreign nation to conquer it unchallenged?
https://iea.org.uk/blog/thatcherism-and-british-living-standards
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M.C
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| Posted: 15:20 - 17 Nov 2018 Post subject: |
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| mpd72 CPT wrote: | | M.C wrote: |
Try telling someone in Africa that you can earn £1200 p/m and still not be able to rent a one bedroom flat in the nations capital, I doubt they'll believe you. |
Not this shit again? If you want to live in the most exclusive area in the country, don't expect rents to be cheap. It amazes me how many illegal immigrants seem to be able to live in the most exclusive areas, yet poor self confessed victims like you can't afford to.
The London Living Wage is £10.55 p/h, or if you work a 39 hour week, £1782.00 a month or £21,395 a year. If you can't afford to live off that, move or work harder.  |
Exclusive?  Are you conflicting Grenfell with the whole of London, again? A lot of people don't earn the London living wage. What it shows is a) how rapidly things have changed and b) what the rest of the country can expect, it's already happening in other areas of the country.
You can pretend like everyone else there isn't a problem, because you happened to get on the property ladder at the right time, but it doesn't change the fact that it's a major issue for most (mainly younger) people. |
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Super Spammer
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| panrider_uk |
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panrider_uk
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Super Spammer
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Posted: 15:25 - 17 Nov 2018  Post subject: |
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| M.C wrote: | [
Exclusive? Are you conflicting Grenfell with the whole of London, again? A lot of people don't earn the London living wage. What it shows is a) how rapidly things have changed and b) what the rest of the country can expect, it's already happening in other areas of the country.
You can pretend like everyone else there isn't a problem, because you happened to get on the property ladder at the right time, but it doesn't change the fact that it's a major issue for most (mainly younger) people. |
Move. There's a whole new world away from Mummy's teat and council house.
I know plenty of young people who've worked hard and saved, then bought a house. If you can't afford to do it in the most exclusive and expensive part of the UK, cut your cloth accordingly and move to an area where you can. Don't sit there whining because London is expensive.
I couldn't afford to live in London or buy a house there.
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| Im-a-Ridah |
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Im-a-Ridah
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| Posted: 15:55 - 17 Nov 2018 Post subject: |
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| M.C wrote: |
Try telling someone in Africa that you can earn £1200 p/m and still not be able to rent a one bedroom flat in the nations capital, I doubt they'll believe you.
I agree it's relative, despite the rise of food banks we aren't starving, we aren't saying hmm what's for dinner... rice again. It's more a complete lack of prospects, smartphones are all well and good but when you have no realistic prospects of being a homeowner, or even having somewhere secure (in terms of tenancy) to live, it's hard to feel positive about your future. Most young(er) people I speak to feel this way.
You might say that has nothing to do with poverty but it does, people are struggling because they have to find £600-700-800 p/m to pay a private landlord, try going to bank and telling them you'd like a mortgage with those sorts of repayments, they'll laugh you out the building.
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Typically their BtL landlord is some kind of middle aged Lib Dem voter.
As for younger people, if they have good uni qualifications then their best bet is to leave the country as it gives them an instant £50,000 debt reduction  . The bar for them to also buy a house is pretty ridiculous to the point that its hardly worth bothering and this is very much what we see happening which in turn reduces birth rates and causes the economy to slow.
https://www.moneywise.co.uk/sites/default/files/ifs-millennial-housing-graph-web.png
| M.C wrote: | When Cameron was elected I knew immediately things were going to get worse, and they did. |
When [Abbott/May/Cameron/Brown/Blair/Major/...] was elected I knew immediately things were going to get worse, and they did.
| Val wrote: | | Im-a-Ridah wrote: | The metropolitan elites in the remain areas Oxford, Cambridge, London triangle have most of the money, and also claim to be caring leftists socialists, so why not slap a tax on them to give to the poor? Afterall, they say they care, they remind us on Twitter all the time. |
Metropolitan "elite" work hard for their money and are already paying the highest tax brackets.
How about we have actual property tax eh? UK is the only country in EU that doesn't have property tax. INB4 council tax is NOT a property tax.
Property tax must be paid by the owners on all properties/land based on size and value. BTW that doesn't mean higher taxes. For the average Joe £300 000 house that may means lower tax too.
0.2% tax means Joe will pay £600 tax a year about half of what he pays now, if you have £5m mansion you will pay £10000 a year.
Or say land for £10m cough up £20 000 please.
Poverty problem solved.
FYI in Land registry most of the land is even not regsitered in 21c. 35% of the land is not even there.
Property tax can reduce poverty by lowering house prices, it will destroy current properties monopoly and make financially unattractive for russian oligarchs, south american drug lords, middle east dictators and chinese communists to invest in property in the UK. |
Communists like you are such frauds. You say you would pay more and you like to take the credit for it, but when it comes down to sharing YOUR wealth there's always a reason that you can't. It always has to be someone else that shares. |
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| Posted: 16:54 - 17 Nov 2018 Post subject: |
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In many countries mortgages are handed down from generation to generation for the family home. We like to pay ours off in 25 or so years.
That aside, there are plenty of young people whining about not being able to get on the housing ladder, who are well within the means of being able to do so, provided they worked hard and saved.
It's far too easy to blame others for your own behaviour or lack of action.
Everyone wants everything right here, right now, without having to work or save for it. This is quite clear in the way everyone seems to rent instead of buying cars now. Even laser eye surgery is now a "from xx per month". It's near impossible to get a fixed price for it now.
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Ste
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| Posted: 17:07 - 17 Nov 2018 Post subject: |
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It's time for some good old fashioned class war. 
Spoiler: poor people lose for the reasons stinkywheels said about their priorities. Plus they'll smash up their own neighbourhoods. |
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M.C
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| Posted: 17:11 - 17 Nov 2018 Post subject: |
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| mpd72 CPT wrote: | In many countries mortgages are handed down from generation to generation for the family home. We like to pay ours off in 25 or so years.
That aside, there are plenty of young people whining about not being able to get on the housing ladder, who are well within the means of being able to do so, provided they worked hard and saved.
It's far too easy to blame others for your own behaviour or lack of action.
Everyone wants everything right here, right now, without having to work or save for it. This is quite clear in the way everyone seems to rent instead of buying cars now. Even laser eye surgery is now a "from xx per month". It's near impossible to get a fixed price for it now. |
Saving for a 'normal' deposit isn't hard IMO, I saved over 30k in under 5 years, a workmate living in a bedsit did the same (saved about 25k in 4 years iirc). His plan was to move back to Spain which he did.
The issue is house prices vs salaries (you must have missed that graph). In the late nineties you'd have got a mortgage pretty much anywhere in the South of England on a normal salary, I even knew someone who moved to Stoke in 2002 and paid 25k for a house.
Now you'd have no chance in the South, maybe with a partner you could just about afford somewhere but then you have to factor in whether you'll stay together for that long. Moving up North which for everyone I know has resulted in living in a shit area with shit wages, might be worth a gamble if you could still buy somewhere outright, but f**k committing 25 years of your life to that. |
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| Posted: 17:53 - 17 Nov 2018 Post subject: |
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| M.C wrote: |
Saving for a 'normal' deposit isn't hard IMO, I saved over 30k in under 5 years, a workmate living in a bedsit did the same (saved about 25k in 4 years iirc). His plan was to move back to Spain which he did.
The issue is house prices vs salaries (you must have missed that graph). In the late nineties you'd have got a mortgage pretty much anywhere in the South of England on a normal salary, I even knew someone who moved to Stoke in 2002 and paid 25k for a house.
Now you'd have no chance in the South, maybe with a partner you could just about afford somewhere but then you have to factor in whether you'll stay together for that long. Moving up North which for everyone I know has resulted in living in a shit area with shit wages, might be worth a gamble if you could still buy somewhere outright, but f**k committing 25 years of your life to that. |
I've highlighted the important part. Do you plan to spend the rest of your life on your own or is this just another excuse to stay at Mums?
A young couple I know saved up and bought a house. They seemed to be dragging their heels and months later had still not moved in. It seemed to be one excuse after another to delay leaving Mum and Dads and moving in. They were running out of things to do before they moved in, you know, new kitchen etc.. It was all rewired, carpeted etc.
Then all of a sudden they split up. The house was put back on the market and sold almost straight away. They both still made a bit out of doing it up and reselling even in 6 months. They now both have a larger deposit for the next one.
The point I'm making is even if you split up, it's not the end of the world and you can usually flip the house and still come out on top. They're extremely unlikely to go down in value any time soon.
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Diggs
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| Posted: 18:59 - 17 Nov 2018 Post subject: |
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Better?
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Sister Sledge
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| Posted: 19:24 - 17 Nov 2018 Post subject: |
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Was that directed at me (I think I'm the only one who used that word  )? My logic is that had we not sold off all the social housing and/or stopped building any, then the private rental market wouldn't have been flooded, meaning rental prices would be lower, the BTL bubble probably wouldn't have happened (at least to the same extent), house prices wouldn't be as high and we wouldn't be paying out a small fortune to private landlords in housing benefit.
Read that Lammy article I linked to earlier. |
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Diggs
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| Posted: 20:50 - 17 Nov 2018 Post subject: |
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No. Aimed at those folk not liking the Abbot...
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Posted: 21:35 - 17 Nov 2018  Post subject: |
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Nice... I did consider:
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Im-a-Ridah
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| Posted: 22:12 - 17 Nov 2018 Post subject: |
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| Posted: 23:37 - 17 Nov 2018 Post subject: |
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| M.C wrote: | | mpd72 CPT wrote: | I've highlighted the important part. Do you plan to spend the rest of your life on your own or is this just another excuse to stay at Mums?
A young couple I know saved up and bought a house. They seemed to be dragging their heels and months later had still not moved in. It seemed to be one excuse after another to delay leaving Mum and Dads and moving in. They were running out of things to do before they moved in, you know, new kitchen etc.. It was all rewired, carpeted etc.
Then all of a sudden they split up. The house was put back on the market and sold almost straight away. They both still made a bit out of doing it up and reselling even in 6 months. They now both have a larger deposit for the next one.
The point I'm making is even if you split up, it's not the end of the world and you can usually flip the house and still come out on top. They're extremely unlikely to go down in value any time soon. |
This isn't a personal attack it's just if I remember correctly you bought a house with someone else, then had to remortgage a couple of years later when you split up, and lost out massively because house prices had gone up in that time?
As bitter as this sounds life has taught me not to rely on other people, no way would I enter into that sort of financial commitment with a partner, family member, friend etc. |
Lost out? I bought a house jointly because it was the only way to afford one. Within 5 years we split up and I had to double the outstanding mortgage to buy her out.
It was still worth it though. I’m on interest only but having now paid off my race debt, am debt free and able to pay off the last 50% of the equity before its due.
No offence, but you’re looking for excuses to blame everyone but yourself for not getting on the housing ladder. Do it as soon as possible and learn to iron your own clothes and cook without mummy. 
You can’t even get your head around a TV licence fee not being optional. Adulthood is still a future experience for you by the sound of it.
Maybe you’re younger than I think?
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If you spent 5mins on rightmove you'd realise the best an ordinary person can hope for is doing a Smiler and living in Stoke (not knocking Stoke but its Stoke). I've not forgotten when you posted links to bedsits in Kent for ~100k and suggested that was reasonable 
It's a totally f**ked up situation. I disagree pretty much with everything Lammy has ever said but he hit the nail on the head with this one: [Guardian alert] 
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