I said ‘deliberately obtuse’ … meaning that you were being disingenuous in asking a question to which you already knew the answer in order to stimulate debate.
Absolutely no offence intended and I apologise wholeheartedly if that’s how it felt to you @gondor.
Gardening in Central Norfolk on improved gritty moraine over chalk ... free-draining.
When my parents were raising me, my father worked, Mum raised the kids, until school age then had part time work. This was sufficient to run a family with no state benefit other than child allowance. When I was the age that we would have liked to have children, I saw myself as not having that option as every job i and my husband had, only ever paid enough to live and not comfortably either, no holidays, never able to get a deposit for a mortgage, not able to learn to drive until I was 40 due to rent and bills being so high I could never afford it. So we decided it would be irresponsible to have children. Shame considering some of the parenting I've witnessed. Still live in rented accommodation . He is 52 with sickle cell, I'm 45. So no holidays, so never own a house when others have multiple houses. Still work hard on rubbish income, very much in love and happy. I pity those that lose perspective on what's important in life. So no, I have no idea what our future holds, no pension other than state but we have always paid our tax. The plan is that we will have an old age commune with our other friends that have not had good fortune in life, pool resources . After all I can't see us fitting in at golden days retirement home!
There is definitley a sense of entitlement in many, certainly not all, younger people. They expect to have everything NOW, not have to wait until they can actually afford whatever it is they want.
When my parents were raising me, my father worked, Mum raised the kids, until school age then had part time work. This was sufficient to run a family with no state benefit other than child allowance. When I was the age that we would have liked to have children, I saw myself as not having that option as every job i and my husband had, only ever paid enough to live and not comfortably either, no holidays, never able to get a deposit for a mortgage, not able to learn to drive until I was 40 due to rent and bills being so high I could never afford it. So we decided it would be irresponsible to have children. Shame considering some of the parenting I've witnessed. Still live in rented accommodation . He is 52 with sickle cell, I'm 45. So no holidays, so never own a house when others have multiple houses. Still work hard on rubbish income, very much in love and happy. I pity those that lose perspective on what's important in life. So no, I have no idea what our future holds, no pension other than state but we have always paid our tax. The plan is that we will have an old age commune with our other friends that have not had good fortune in life, pool resources . After all I can't see us fitting in at golden days retirement home!
There is definitley a sense of entitlement in many, certainly not all, younger people. They expect to have everything NOW, not have to wait until they can actually afford whatever it is they want.
How long do you think they can wait until they can afford a deposit on a house of their own? When I bought my first flat it was double joint incomes or 3 times a single income. How far would that get anyone now? If you're earning £20k a year, that's only get you a mortgage of £60K , which even here in cheap Devon wouldn't buy half a flat.
Just seen a headline that has got steam coming out of my ears! Adverts for yet more senior NHS managers to get paid a lot more than the PM. ( although less than some top BBC ‘talent’ ) it does sound as if once again there is a reshuffle of the NHS chain of command. Last time they did that, it meant as Trusts / health boards combine, many senior management posts became redundant, with big payouts. And then the redundant managers applied for the newly created posts, or were employed on very highly paid short term posts as management consultants. Having worked in the NHS for over 30 years, I have seen several cycles of “ let’s save money by combining health services” until they get too big and unwieldy, and then someone has the bright idea of splitting them up again into smaller units, back to where they were before. Cue more redundancy payments. And then a few years later, someone has this brilliant revolutionary idea of combining the smaller units to save money...... Grrrrr!!!!
Too right, Lizzie27. Seemed like no one checked to see if the latest new idea had actually been tried before. I was clinically qualified, and had an MBA, managed a mid sized service and still saw patients for the majority of the week. Understood more of what was going on than many of the ‘managers’ and cost less than many of them. In my opinion, too many managers, too few clinicians, and too much conflict of interest. It'll be heartbreaking if all the extra funding gets eaten up by administration rather than patient care, but I’ll bet good money that is what will happen.
How long do you think they can wait until they can afford a deposit on a house of their own? When I bought my first flat it was double joint incomes or 3 times a single income. How far would that get anyone now? If you're earning £20k a year, that's only get you a mortgage of £60K , which even here in cheap Devon wouldn't buy half a flat.
I was shown around a tiny terrace house today in the worst area of town, they want £750 a month rent per month, considering my hubby takes home £18000 per year aged 52, I think we could afford to rent the shed in the garden at best! Luckily I was viewing for a gardening job and not a rent opportunity!!
How long do you think they can wait until they can afford a deposit on a house of their own? When I bought my first flat it was double joint incomes or 3 times a single income. How far would that get anyone now? If you're earning £20k a year, that's only get you a mortgage of £60K , which even here in cheap Devon wouldn't buy half a flat.
I was shown around a tiny terrace house today in the worst area of town, they want £750 a month rent per month, considering my hubby takes home £18000 per year aged 52, I think we could afford to rent the shed in the garden at best! Luckily I was viewing for a gardening job and not a rent opportunity!!
my daughter pays £1,500 a month rent for a 2 bed flat in S Croydon. How does anyone suggest she manages to save for her own place, let along "put money by" for her old age
Exactly @Hostafan1! Buy to let landlords have made a comfortable living from punishing the generations that follow. We could never afford to move as our landlord has kept the rent low as we have invested in the property by repair both structural and cosmetic so he gets easy money for people that care for the property. But heaven help us if we ever had to move, we would be able to afford a room at best! So in answer to the thread question? Tax the rich! But they would be tory and they will never do that!
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Definition of obtuse
"lacking sharpness or quickness of sensibility or intellect : insensitive, stupid"Gardening in Central Norfolk on improved gritty moraine over chalk ... free-draining.
There is definitley a sense of entitlement in many, certainly not all, younger people. They expect to have everything NOW, not have to wait until they can actually afford whatever it is they want.
When I bought my first flat it was double joint incomes or 3 times a single income. How far would that get anyone now?
If you're earning £20k a year, that's only get you a mortgage of £60K , which even here in cheap Devon wouldn't buy half a flat.
it does sound as if once again there is a reshuffle of the NHS chain of command. Last time they did that, it meant as Trusts / health boards combine, many senior management posts became redundant, with big payouts. And then the redundant managers applied for the newly created posts, or were employed on very highly paid short term posts as management consultants.
Having worked in the NHS for over 30 years, I have seen several cycles of “ let’s save money by combining health services” until they get too big and unwieldy, and then someone has the bright idea of splitting them up again into smaller units, back to where they were before. Cue more redundancy payments. And then a few years later, someone has this brilliant revolutionary idea of combining the smaller units to save money......
Grrrrr!!!!
I was clinically qualified, and had an MBA, managed a mid sized service and still saw patients for the majority of the week. Understood more of what was going on than many of the ‘managers’ and cost less than many of them. In my opinion, too many managers, too few clinicians, and too much conflict of interest.
It'll be heartbreaking if all the extra funding gets eaten up by administration rather than patient care, but I’ll bet good money that is what will happen.
Luckily I was viewing for a gardening job and not a rent opportunity!!
How does anyone suggest she manages to save for her own place, let along "put money by" for her old age
So in answer to the thread question?
Tax the rich! But they would be tory and they will never do that!