Your evidence is anecdotal, the empirical evidence shows the millennial generation is worse off than the ones before. A joke about a stereotypical Japanese evidence is the same as comparing two players getting fouled a lot? Of course it is.
You clearly aren't interested in genuine discussion on here besides going on the contrarian wind up.
Well, you know who to blame for the student debt situation. Tony Blair’s Labour Government. Gordon Brown fucked over pension schemes during Ro y. Lair’s government. Would house price inflation have been so significant if the population not been significantly increased by immigration?You're right to talk of a generational divide. My generation is the first to be worse off than the one which came before, and Gen Z are looking at something similar. Permanent full time work is harder to come by, house prices have risen up faster than inflation for decades, a university degree puts you into £30k+ of debt, and if you are in permanent full time work, your employer will be contributing much less to your pension.
3 years ago until she passed, my gran was the 85 year old widow you were describing, worked as a primary school teacher and married to an NHS doctor. I'd say they got the rewards their hard work deserved. The problem is, many in my generation will spend a lifetime working hard to probably not own a house, to have much less in their pension pot (if they have one), and having seen the value of their wages continue to drop.
You're right to be concerned about the impact the current cuts will have on today's pensioners. But this is a generation that was buying houses in the 60s for nearly as much as what my wife and I will pay for one month's mortgage instalment. If today's pensioners are going to struggle, the ones in the next few generations to come are royally screwed.
Both governments share some blame for how things got to the way they did. But to my knowledge, you've only started being critical of government spending cuts once they've impacted the demographic you're in.Well, you know who to blame for the student debt situation. Tony Blair’s Labour Government. Gordon Brown fucked over pension schemes during Ro y. Lair’s government. Would house price inflation have been so significant if the population not been significantly increased by immigration?
The housing crisis isn’t down to my example 85 year old woman, and I’m not sure how her downsizing would actually help those at the bottom of the ladder, she will be able to outbid them. What you really want is for her to die to release a house in to the system.If you’ve got millions in assets you’re a millionaire. Elon Musk and Jeff Bezos don’t have their money in cash either.
I’m sorry but the state shouldn’t be paying you to stay in a home you can’t afford during a housing crisis.
I’ve only been on this thread for a few months, it was the upcoming election and the outcome that has prompted my comments in here, and the winter fuel cuts, given what the lying slimy bastard Starmer had said beforehand, we’re bound to be a subject of comment.Both governments share some blame for how things got to the way they did. But to my knowledge, you've only started being critical of government spending cuts once they've impacted the demographic you're in.
A decade and a half of real terms cuts to education, the jacking up of tuition fees, and it's silence from the same people.
The housing crisis isn’t down to my example 85 year old woman, and I’m not sure how her downsizing would actually help those at the bottom of the ladder, she will be able to outbid them. What you really want is for her to die to release a house in to the system.
For Australian ownership I think,or à large portion of it!I’ve only been on this thread for a few months. Universities have been allowed to grow and grow and become revenue generating machines, selling in some cases worthless courses and raking it in from loads of student accommodation. Completely wrong in my view.
I've made no secret of the major changes I've made to my life in the past year to try and better myself, and prior to that spent years helping people achieve success of their own. Still do that voluntarily each weekend in the city too.I think you are entitled because of your private education and your degree - I honestly think you come across as a pretty unpleasant individual- jealous of people rather than focusing on good things in your life. Nothing contrarian - it’s how you come across on here.
I’ve only been on this thread for a few months. Universities have been allowed to grow and grow and become revenue generating machines, selling in some cases worthless courses and raking it in from loads of student accommodation. Completely wrong in my view.
I don't disagree about universities. But that would be another aspect of the generational divide, with today's students going into tens of thousands of pounds of debt for degrees that count for a lot less than the degrees of the past which had free tuition and led to a much less crowded jobs market.I’ve only been on this thread for a few months. Universities have been allowed to grow and grow and become revenue generating machines, selling in some cases worthless courses and raking it in from loads of student accommodation. Completely wrong in my view.
I've made no secret of the major changes I've made to my life in the past year to try and better myself, and prior to that spent years helping people achieve success of their own. Still do that voluntarily each weekend in the city too.
I stayed in private education by contributing towards my own fees with part time work, in any case.
You come across as pretty unpleasant most of the time with sneering comments aimed at people's professions, income, personalities etc etc. The aim of the game for you on here is to go on the wind up.
I don't disagree about universities. But that would be another aspect of the generational divide, with today's students going into tens of thousands of pounds of debt for degrees that count for a lot less than the degrees of the past which had free tuition and led to a much less crowded jobs market.
Both parties had a role in it becoming that of course.
Well yes. In the last few years of my STEM degree we were in 35 hours of contact time a week, half of which was labs. Mrs BSB who did a humanities course had a few hours of contact time a week and would have been charged the same barring being Scottish.You don’t get labs and equipment without teaching midwits for peanuts in a classroom tho. Unless of course you out all the costs on the taxpayer or the students themselves.
Well yes. In the last few years of my STEM degree we were in 35 hours of contact time a week, half of which was labs. Mrs BSB who did a humanities course had a few hours of contact time a week and would have been charged the same barring being Scottish.
Not sure what the answer is really, unless it's to incur higher charges for those subjects-but then those subjects are the ones where we need the graduates.
The solution to this is probably beyond the brains of some football forum posters in truthIt’s the same as the visa mill situation. Yeah it would be great not to have unis putting crap out to foreign students, but without them student loans would triple overnight.
I think most of us would go back to an old style system of maybe 20% going to uni. But you tell the middle classes that their daughter isn’t studying art history next year. And you tell employers they can’t insist on a degree for working in an office.
The solution to this is probably beyond the brains of some football forum posters in truth
Currently, our mortgage payments are £1400 a month. My PhD stipend payments are £1550.How much of your monthly income do you pay on your mortgage?
Currently, our mortgage payments are £1400 a month. My PhD stipend payments are £1550.
Get em doing the construction disciplenes, oh they already do!It’s the same as the visa mill situation. Yeah it would be great not to have unis putting crap out to foreign students, but without them student loans would triple overnight.
I think most of us would go back to an old style system of maybe 20% going to uni. But you tell the middle classes that their daughter isn’t studying art history next year. And you tell employers they can’t insist on a degree for working in an office.
Obviously not. They are the most valuable,Which UK students would you reject? It would be STEM subjects first cos they cost the most.
Get em doing the construction disciplenes, oh they already do!
I think mine got sold off to another debt company who decided to start charging interest, so I doubt mine will ever be paid off in full.My student loan is paid off in two months time. I’ll get almost as much as my mortgage payment back each month, more than my child support amount. All disposable income. Imagine the drag on the economy that’s been.
Obviously not. They are the most valuable,
I think mine got sold off to another debt company who decided to start charging interest, so I doubt mine will ever be paid off in full.
Not really in the specialised disciplines surely?Companies won’t train them cos they fuck off and start their own business. Would be ludicrous for govt to encourage a generation of small business owners tho. Best to just have building be really expensive and immigration required.
In my last year of teaching it was £140 a month.I mean obviously I’m no longer strongly in favour of debt forgiveness
The effective tax rate on graduates earning modest sums is ludicrous.
It's murdering my girl ATM,but she's plugging away with it!In my last year of teaching it was £140 a month.
Not really in the specialised disciplines surely?
I wouldn't have minded it as much if it were steadily paying off the debt, but the statements I got sent showed it was just paying down the interest and not actually reducing what I owed. So really, that's money that won't realistically be getting repaid.It's murdering my girl ATM,but she's plugging away with it!
I wouldn't have minded it as much if it were steadily paying off the debt, but the statements I got sent showed it was just paying down the interest and not actually reducing what I owed. So really, that's money that won't realistically be getting repaid.
Got another 2.5 years on this doctorate and hopefully would then be able to say something similar.Mine didn’t really go down at all until I moved to a whole different income level and then paid off in less than three years. And now I’ll be free of a tax that people earning what I was will be paying until 60. Madness.
Companies won’t train them cos they fuck off and start their own business. Would be ludicrous for govt to encourage a generation of small business owners tho. Best to just have building be really expensive and immigration required.
From my experience it generally doesn't happen, most can't be bothered with going through the hassel of running a company. I started my apprenticeship with 14 others, by the final year it was down to about 7 iirc, due to people not being good, wanting to do something different etc. A city the size of Coventry only had an additional 7 heating engineers from that year group and that's something that's fairly common. We're just not giving young people the opportunity imo,
Foreign tradies I've worked with produce a fairly poor standard of work compared to what we turn out, we just don't produce enough.
Easier to blame themI knew a lot of kids who wanted into various trades but either needed maths and English C grade for some reason or had to get a company to sponsor them and places were always limited. I know there’s been less interest recently, but generally it feels like we’ve let a whole generation of mechanically if not academically capable boys go to pot.
Wow.Currently, our mortgage payments are £1400 a month. My PhD stipend payments are £1550.
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