Do you want to discuss boring politics? (28 Viewers)

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Grendel

Grendel

Well-Known Member
clint van damme said:
So are you saying some, at least, rudimentary financial advise wouldn't be helpful?
And if its on the curriculum its only been added in the last years.
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You’d need people who can offer that advice - that’s not teachers in standard subjects
 
Grendel

Grendel

Well-Known Member
clint van damme said:
It's better than setting fire to them!
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True story I worked in North Wales when I was 18 and had dogs abuse from the Welsh nationalists. I rented this house and one pissed up twat in the local said he’d burn our property if an Englishman owned it

I mentioned my mum was coming up with a friend

He knocked on my door the next day apologised and said his mum and dad had an B and B and they’d do a deal I’d she stayed there
 
Grendel

Grendel

Well-Known Member
clint van damme said:
Good point. But I think something should be put in place.
There's never been a more important time to be financially savvy.
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I do agree it’s amazing how even fairly old kids haven’t a clue on finance advice even insuring a car seems a challenge
 
shmmeee

shmmeee

Well-Known Member
Personal finance, including insurance, is in the National Curriculum:

KS3:
C45EB84C-2125-4966-A2FB-B594DE1B5B69.jpeg
KS4:
E735BCE6-3939-4CE7-A17A-AB57CA5A1368.jpeg

The problem is, it’s in Citizenship, which is the red headed stepchild of subjects, often taught by form tutors or RE teachers, and is a general receptacle for the curriculum to put all those things people say “they should teach this in school”.

The other issue, speaking from experience of helping out at a Barclays run finance day with Y8s, was it’s quite hard to teach financial concepts to people who don’t really handle money.
 
B

Brighton Sky Blue

Well-Known Member
clint van damme said:
So are you saying some, at least, rudimentary financial advise wouldn't be helpful?
And if its on the curriculum its only been added in the last years.
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Well for a start you can do qualifications in Business in most schools and Economics in some. Then in PSHE personal finance is a part of the curriculum in most schools along with a whole raft of things parents should also be discussing with their kids but might not.

It just intrigues me what people think children are taught now.
 
D

Deleted member 5849

Guest
Brighton Sky Blue said:
Well for a start you can do qualifications in Business in most schools and Economics in some
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Hmmm, when I did Economics it was Smith, Keynes, and indifference curves, not budgeting for a weekly shop. Seems to have changed somewhat!
 
Grendel

Grendel

Well-Known Member
Brighton Sky Blue said:
Well for a start you can do qualifications in Business in most schools and Economics in some. Then in PSHE personal finance is a part of the curriculum in most schools along with a whole raft of things parents should also be discussing with their kids but might not.

It just intrigues me what people think children are taught now.
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Lol the business studies teachers at your school were great at how to manage finances - they were fucking clueless
 
clint van damme

clint van damme

Well-Known Member
Brighton Sky Blue said:
Well for a start you can do qualifications in Business in most schools and Economics in some. Then in PSHE personal finance is a part of the curriculum in most schools along with a whole raft of things parents should also be discussing with their kids but might not.

It just intrigues me what people think children are taught now.
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As I said, it may have happened in the last few years.
My son is nearly 20, just before he turned 18 I had a chat with him about personal finance and he said he wished he'd been taught that sort of thing at school.
Of course he could of wagged those lessons, in which case he's not too old for a grounding!
 
B

Brighton Sky Blue

Well-Known Member
clint van damme said:
As I said, it may have happened in the last few years.
My son is nearly 20, just before he turned 18 I had a chat with him about personal finance and he said he wished he'd been taught that sort of thing at school.
Of course he could of wagged those lessons, in which case he's not too old for a grounding!
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I'm not one to disparage Clint Jnr, though in his defence PSHE is the most shoddily delivered of lessons in my experience. Usually because some sod gets lumped with it on top of whatever else they do and it doesn't count for anything.

Though as I said, school can't and shouldn't assume responsibility for teaching things which are sometimes best coming from parents
 
clint van damme

clint van damme

Well-Known Member
Brighton Sky Blue said:
I'm not one to disparage Clint Jnr, though in his defence PSHE is the most shoddily delivered of lessons in my experience. Usually because some sod gets lumped with it on top of whatever else they do and it doesn't count for anything.

Though as I said, school can't and shouldn't assume responsibility for teaching things which are sometimes best coming from parents
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I agree with your last paragraph, not trying to abdicate parental responsibilities but maybe in the modern world there are some things that should be prioritised over others.
 
B

Brighton Sky Blue

Well-Known Member
clint van damme said:
I agree with your last paragraph, not trying to abdicate parental responsibilities but maybe in the modern world there are some things that should be prioritised over others.
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Well a typical PSHE curriculum is already pretty full with other essentials but personal finance and budgeting has been on there as long as I can remember. Though really a typical class tends to not take it seriously because there's no exam riding on it, so people just zone out. In one year I was covering British values one week, masturbation another and far right extremism the next.

Come to think of it I must have missed Johnson's stint in the DfE
 
clint van damme

clint van damme

Well-Known Member
Brighton Sky Blue said:
Well a typical PSHE curriculum is already pretty full with other essentials but personal finance and budgeting has been on there as long as I can remember. Though really a typical class tends to not take it seriously because there's no exam riding on it, so people just zone out. In one year I was covering British values one week, masturbation another and far right extremism the next.

Come to think of it I must have missed Johnson's stint in the DfE
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Fair enough, I've had two kids leave school in the last 10 years who claim to have had no teaching on personal finance but its not a massive stretch to think that's a failing on their behalf rather than the curriculum.
 
Grendel

Grendel

Well-Known Member
C

CCFCSteve

Well-Known Member
Sky_Blue_Dreamer said:
More stock on the market, but only designed to benefit a very small number. I very much doubt your mate driving aim was to provide the housing to people and more to make a very tidy profit out of it. Would it be impossible to build, or just that they wouldn't get as high a return as they wanted? And that's the problem - it should be about making sure people have places to live, not how much money can be made from doing it.


This proves the point. It's not that the parking isn't required, it's that other developments haven't had to have them. Fuck providing what the people living there actually require, what's the minimum I can get away with providing so I can make a bigger return.
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There is a limited area of land on which to build and if you have more parking there is less floor space available to build apartments as there are height restrictions. It therefore becomes uneconomic to build if you can’t utilise the area for flats rather than unnecessary parking. This is not a great area so valuations will be limited by the local market. He builds to provide rentals but if he physically can’t build a small development for a certain price to then achieve a certain valuation, he won’t be able to securing funding. The alternative is someone builds something smaller to fit planning requirements and charge more for the apartments …which will either push the local market prices up (not helping !) or they remain unsold and developer might go bust ?!! Or the land remains unbuilt on in the hope that material prices reduce and/or planning softens…again not helping housing stock issue

If someone wants a flat with two parking spaces then these wouldn’t for them but as I say, there are a large number of people that will have one or no cars who would want to live there so there is no need for 20+ spaces. This is on waste land which has now been unused for years.

If you tried to please everyone for every building, nothing would ever get built. Basic economics but price is obviously driven predominantly by supply and demand. We’ve run at high rates of net migration for years, people are living longer (so remain in properties for longer) and we’ve not had enough new housing stock built. Hence house prices have continued to rise. The nimby in some green belt areas and inconsistency of planning around the country is not helping… and it’s the younger generations who are paying and/or not able to get on the house ladder

Edit - sorry for war and peace answer
 
skybluetony176

skybluetony176

Well-Known Member
Ian1779

Ian1779

Well-Known Member
clint van damme said:
Fair enough, I've had two kids leave school in the last 10 years who claim to have had no teaching on personal finance but its not a massive stretch to think that's a failing on their behalf rather than the curriculum.
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Curriculum planning in a lot of schools is quite poor, for variety of different reasons.
Directives from academy trusts, individual interpretation of the guidance from the DfE, but mostly because PSHE/Life Skills/Citizenship is not considered important as it’s not measured and produces no end grade or qualification.
Our school does 50 mins every 2 weeks which is woefully inadequate.
 
D

Deleted member 5849

Guest
Terry Gibson's perm said:
I would normally disagree with the Mail but I think it probably has, take it our place our manager who earns the most works from home and saves money in travelling expenses us who are the poorest paid have to attend.
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Yeah it probably has, especially with huge fuel prices atm. That's not a reason to stop wfh of course, more a reason to try and rebalance it in some way between those who can and those who can't.
 
Terry Gibson's perm

Terry Gibson's perm

Well-Known Member
Deleted member 5849 said:
Yeah it probably has, especially with huge fuel prices atm. That's not a reason to stop wfh of course, more a reason to try and rebalance it in some way between those who can and those who can't.
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When it’s cold in the winter the wfh crew will be asking for tax breaks to help pay the extra heat and light they are using.
 
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