Brighton Sky Blue
Well-Known Member
Unless you can get sodium chloride up in the skies it’s just a pipe dream
Wouldn't a salty snowflake just be brine?
You're absolutely right. They've absolutely no idea how much an iphone and netflix costs.Cheap public housing sold to them at a discount
Social security and NHS (which most will have contributed to to some degree but most will have had more back than they paid in)
High wages for relatively unskilled work
Final salary pensions
Subsidised public travel
Free university/higher education
As pensioners get free bus passes, free prescriptions, eye and hearing tests. Pensioner discount on many items and services. Had free TV licences.
Then there's other things they take for granted from their younger days like job security.
It's not the fact that they had these things that's the problem. It's the fact they now complain about not being given anything and decry the younger generations for wanting everything on a plate when they don't get half of what they got themselves.
You're absolutely right. They've absolutely no idea how much an iphone and netflix costs.
My Dad decided recently I should know all about his finances in case he drops dead or loses his marbles - a cheerful day!High wages for relatively unskilled work
Final salary pensions
A great story. I bet he had his first car paid for in cash long before you did at the same age .My Dad decided recently I should know all about his finances in case he drops dead or loses his marbles - a cheerful day!
He left school at 16 and went to work, staying in the same role his entire life. I went to uni to study Computer Science, for which I still owe thousands, and have held management positions. Was amazed to see his monthly pension was more than my salary.
Thats before you even consider the ever increasing retirement age and, if my pension statements are anything to go by, the relatively small pension I will receive if I can ever afford to retire. But there's a good chance I will drop dead before I can afford to retire as in order to get a mortgage I had to take one which runs past retirement age.
But hey, I've got an iPhone on a £15 a month contact so shouldn't really complain.
You're absolutely right. They've absolutely no idea how much an iphone and netflix costs.
You kind of proving the point you've been arguing against there. I didn't buy my first car that cost more than a grand until the age of 36 as after rent I simply couldn't afford it. 10 years later I'm still in the same car as I can't afford to replace it.A great story. I bet he had his first car paid for in cash long before you did at the same age .
My Dad decided recently I should know all about his finances in case he drops dead or loses his marbles - a cheerful day!
He left school at 16 and went to work, staying in the same role his entire life. I went to uni to study Computer Science, for which I still owe thousands, and have held management positions. Was amazed to see his monthly pension was more than my salary.
Thats before you even consider the ever increasing retirement age and, if my pension statements are anything to go by, the relatively small pension I will receive if I can ever afford to retire. But there's a good chance I will drop dead before I can afford to retire as in order to get a mortgage I had to take one which runs past retirement age.
But hey, I've got an iPhone on a £15 a month contact so shouldn't really complain.
Exactly the same with my old man. Worked from 16 until 65. Only had two jobs. Like so many of his age (90) he squirrelled money away when he could, paid his mortgage off ( repayment of course) never took out loans except for his house. If he couldn't afford it , he went without.You kind of proving the point you've been arguing against there. I didn't buy my first car that cost more than a grand until the age of 36 as after rent I simply couldn't afford it. 10 years later I'm still in the same car as I can't afford to replace it.
My Dad has never been without a newish reliable car and since turning 70 he's on his third brand new car in 10 years. He even got rid of one after 18 months when one day he decided he didn't like the car he had so popped to the garage and bought a brand new one.
A great story. I bet he had his first car paid for in cash long before you did at the same age .
You were hoping to help your child(ren) out with a deposit, weren't you?Wonder if he told Dave about the 16% mortgage days
You were hoping to help your child(ren) out with a deposit, weren't you?
Surely even you must acknowledge it's far harder to buy your first house now, then in the 1960s and 1970s, without help from parents?
My youngest wants a house. I've offered to show her a few old Victorian 2 beds in our town, rugby. Small foregarden, very often downstairs bathroom. Basically the cheapest you can get .Not really. My daughter has a friend whose bought a house at 23 as she’s scrimped and saved a deposit and is prepared to buy in a ghastly town. My daughter wants a new apartment in Warwick
Not really. My daughter has a friend whose bought a house at 23 as she’s scrimped and saved a deposit and is prepared to buy in a ghastly town. My daughter wants a new apartment in Warwick
Lol ‘ghastly’. Tacit admission that you get less bang for your buck than you once could
No it’s ghastly by her friends’ opinions as they Expect to own a big pad - I had a poxy flat as my first house on 16% mortgage which was £440 on a £13k salary - I worked nights as well to keep it in the initial years
Haha it makes me laugh how many people just parrot Yank shite while claiming to be a British patriot.Here’s the thing kid. I know you’re sucking down American right wing crap because you blather on about Liberals. In the U.K. Liberals are on the right.
For a nationalist you sure suck at adhering to your culture.
No. Just observations that the world seems to owe you quite a lot.Not really. Just fact based observations you clearly can’t counter.
Perhaps calling me a salty snowflake will work?
Its a poor show when you have to explain the " ghastly " reference. Its way over some people's head.No it’s ghastly by her friends’ opinions as they Expect to own a big pad - I had a poxy flat as my first house on 16% mortgage which was £440 on a £13k salary - I worked nights as well to keep it in the initial years
Its a poor show when you have to explain the " ghastly " reference. Its way over some people's head.
I've bought this up with him before. He says they had to take a decision if they wanted to maintain their current lifestyle and decided they did so it meant my Mum for a few months getting a part time job working a couple of days a week.Wonder if he told Dave about the 16% mortgage days
Credit is harder to obtain than since when ?I don’t think it’s obvious that when someone says ‘ghastly town’ they mean someone else saying it. House prices have been soaring for decades and credit is a lot harder to obtain than it used to be, ergo it’s harder to buy an equivalent house with equivalent financial means. So most people now rent for years to save up for the deposit and as there are much fewer ‘jobs for life’ and a growing reliance on temporary or part time work then folks will rent for longer.
It isn’t a case of entitlement, it’s just how it is now.
Credit is harder to obtain than since when ?
Depends what type of credit you want. If you're after credit cards with high interest rates and credit limits so high you'll massively struggle to make the repayments then that's no problem. If you want a mortgage for a house that would be a third or more cheaper than your rent it is far from easy.Credit is harder to obtain than since when ?
Which ties in to the whole issue. I tried to get a mortgage on the place I've just purchased that ran to 67, retirement age, couldn't get one as £550 a month was apparently unaffordable. So now I have a mortgage that runs into my seventies and there's no way I'll be able to retire while I've still got payments to make.Isn't the average age to buy your first home increasing all the time as well?
Well that bodes well...couldn't get one as £550 a month was apparently unaffordable.
Which ties in to the whole issue. I tried to get a mortgage on the place I've just purchased that ran to 67, retirement age, couldn't get one as £550 a month was apparently unaffordable. So now I have a mortgage that runs into my seventies and there's no way I'll be able to retire while I've still got payments to make.
Credit is harder to obtain than since when ?
“the 16% mortgage days”
Meanwhile the value of the house goes up 300%
View attachment 16510
Which ties in to the whole issue. I tried to get a mortgage on the place I've just purchased that ran to 67, retirement age, couldn't get one as £550 a month was apparently unaffordable. So now I have a mortgage that runs into my seventies and there's no way I'll be able to retire while I've still got payments to make.
I’ve got a mortgage until I’m 68 and had one since I was 26
I was thinking about the previous century. !Since the 2008-9 recession
I was thinking about the previous century. !
Wow. Weren't houses cheap in the 1960s and even the 1970s. I could buy a whole street on today's salary of £20,000 a year. Carpets 2 shillings a square yard an' all.Take the cost of a house in the 60s and divide by two
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