Liquid Gold
Well-Known Member
Is there any possible way you could be a worse person.
Is there any possible way you could be a worse person.Here we go.
Guess what? When I had a house in the 90's it was in a poor area. I bought second hand furniture and I worked until 11 at night many nights. I had a car that cost £200. That's life and in the end of your good enough you get on.
You seriously think I just throw hand outs to a lazy self indulgent parasite like you. You like the EU and the land of opportunity so why don't you go there - or will that require hard work on your part as well.
The OP is spot on and it's people like you that expect a living without earning it just as you think your degree makes you special who are the problem.
Why do I know someone whose just attained a masters whose earning £50k a year? Is he lucky or perhaps talented and perhaps, just perhaps, you are not?
He'd be earning more than a fair few who taught him that Masters degree then...Why do I know someone whose just attained a masters whose earning £50k a year?
Is there any possible way you could be a worse person.
Be careful Grendel will get angry you didn't live through the black plague.
Not entirely sure if this means you think I'm younger or older than I actually amgiven his age
I genuinely haven't read anything on this forum that's made me so angry than your self indulgent whining post.
Just take a look at this one extract. Go back in time and explain your position to those in the Great War or depresdion, the slum estates of the sixties or those in the industrial wasteland of the 70's and how terribly hard your life is.
What an arrogant expecting person you are.
What a pathetic comment.
Some hide behind their own ivory towers, unable or unwilling to see that there are alternative world-views than that seen from a detached distance, skewed through a Daily Mail prism.
You're just showing yourself to be more and more clueless and self-centred with every post.That's right, just sit there whingeing about what you haven't got while others go out there and grab the endless opportunities that exist in our wonderful country.
Blame it all on the Daily Mail. Your grubby Guardian tells you that's the problem and you swallow it.
Does that include housing and student debt? Looks like it does, the steep rise in the early 80s would be when interest rates went through the roof and the second steep rise is when grants were replaced with loans.Look at that steep rise in household debt from 1979 onwards
Does that include housing and student debt? Looks like it does, the steep rise in the early 80s would be when interest rates went through the roof and the second steep rise is when grants were replaced with loans.
Consumer credit currently stands at £3,858 per adult in the UK.
One argument about issues with getting mortgaged is wage to loan ratio. I just stuck some random figures in a calculator and it claimed to offer £134,000 on a £30,000 salary!
Barclays offer a 100% mortgage according to their site?
Only if your parents act as guarantor and have enough equity in their own property to cover the mortgage.Barclays offer a 100% mortgage according to their site?
Only if your parents act as guarantor and have enough equity in their own property to cover the mortgage.
The affordability system that came in to replace income multiples is a total mess mainly because there's no actual rules so its up to each lender what they want to do.Yeah, the mortgage restraint didn't last long, though I think they've tightened up how much evidence people need to provide of earnings.
Dunno if it should be those who have parents who can cover things benefit, though.Which seems reasonable. Also many offer 95%
Dunno if it should be those who have parents who can cover things benefit, though.
Not that there's an obvious answer, but artificially keeping prices high didn't help, because of the fear of people going into negative equity. Only thing that should matter for a home owner should be whether they can afford the monthly payment, not how much the house is worth... and I don't really care if buy-to-let landlords lose some cash on their investment!
Do remember before the crash having a very strange chat with a bank advisor (once they realised my qualifications) despite working on a part time zero hours temp contract at the time, they were prepared to lend me money on the basis of my hourly salary being full-time permanent. Madness!
Fortunately I'm sensible and didn't take them up on the offerbut it didn't come as a huge shock to me when it all came crashing down a few months later...!
remember at the start of the madness, (around 2000), me and the wife wanting to borrow and additional 15 grand to extend the house. We were fretting in case we didn't get it because we really needed the extra bedroom.
Within 5 minutes they offered us 95 grand on top of our existing mortgage!
At the time a very basic check of our finances would have told anyone with a modicum of common sense that much extra would cripple us financially. Luckily we had the sense to just take the 15 we originally asked for but I'd imagine a lot of people got tempted.
When customers are cynically regarded as income sources secured against a rising housing market, hardly socially responsible of the lenders.
It's limited risk for a bank anyway, too big to fail and they know it.When customers are cynically regarded as income sources secured against a rising housing market, hardly socially responsible of the lenders.
Sorry, but why is a mobile phone and the internet essential in this day and age? People can and still do live without them. If you cant afford them then you dont have them. Basic common sense that. Its not rocket science and unfortuantely people these days just have what they want and worry about the cost later irrespective of whether they can afford them or not.
Try accessing jobs without the Internet.
You can survive without running water FFS, it's not the same as being essential to fully participate in modern life.
Pro tip: it's not that you're amazing and entire generations are cunts. It's that you don't fully understand other people's world views or experiences.
And half of the jobs are either bullshit or the recruiter doesn't reply back. I know people who pay about 100 per month on sky and internet etc. I would be so gutted!I got jobs before the internet, I got the bus to the job centre and used that machine they had.
Nowadays though, the internet is everywhere and is hardly a massive expensive so is completely different. There's a difference between getting the top Virgin package for silly money and a broadband connection to get by on too.
And stop library closures!If thing's are that desperate then you can get the internet at the library for free. No need for everyone to have it and it might help the nation get fitter too.
I grew up on the select council estates of Coventry. Most people didn't even know what a mortgage is.it wasn't, but it is a lot harder now.
I grew up in a street where a lot of the households only had one wage earner but they still could afford their mortgage and a reasonable standard of living. Only possible now if that wage earner has a big income.
My generation has to make these choices, previous ones didn't. I'm not saying you didn't work hard and graft to get on the ladder, what I'm saying is you have no idea the difficulties my generation has in doing the same.
That is still a massive generalisation. I had to go straight to work when I left school. I worked up to 7 days a week. And they were 12 hour shifts minimum. No holiday pay either a lot of the time. I was burning myself out at a young age.
I then decided to train for what I wanted to do. But I still had to work. So I had years of not having any time to myself. And when I qualified I then had to work my way up the ladder frequently changing jobs until I got the job I wanted.
Yeah so easy :shifty:
I'd also say that just because some can do it after work and the like, some have personal circumstances that just deny the opportunity to do extra training - they have to work 100 hour weeks to support people, they have ill/sick relatives etc.but what about people who don't have qualifications or training. Not everyone has it in their locker to be a go getter or achieve sought after qualifications. But there are plenty of people like that who still work their socks off in manual jobs or, for want of a better phrase, menial jobs,
They still deserve affordable housing, free health care and a decent standard of living, access to all of which is slowly been eroded.
Look at the EU thread. You know what my thoughts are. All you are doing here is agreeing with me.but what about people who don't have qualifications or training. Not everyone has it in their locker to be a go getter or achieve sought after qualifications. But there are plenty of people like that who still work their socks off in manual jobs or, for want of a better phrase, menial jobs,
They still deserve affordable housing, free health care and a decent standard of living, access to all of which is slowly been eroded.
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