Nationalism (1 Viewer)

[Brighton Sky Blue]

Wouldn't a salty snowflake just be brine?

Unless you can get sodium chloride up in the skies it’s just a pipe dream

 

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[Alan Dugdales Moustache]

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.

 

[Brighton Sky Blue]

You're absolutely right. They've absolutely no idea how much an iphone and netflix costs.

Take the cost of a house in the 60s and divide by two

 

[chiefdave]

High wages for relatively unskilled work
Final salary pensions

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.

 

[Alan Dugdales Moustache]

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.

A great story. I bet he had his first car paid for in cash long before you did at the same age .

 

[Sky_Blue_Dreamer]

You're absolutely right. They've absolutely no idea how much an iphone and netflix costs.

And the current generation have no idea how much a landline, washing machine etc cost back in the day. Or the cost of a foreign holiday. Or a car. They could've got by without them. Would've just meant having to do it the old fashioned way and it taking ages. Nor do they understand how much those now worthless trinkets and figurines they've filled their houses with cost at the time either.

 

[chiefdave]

A great story. I bet he had his first car paid for in cash long before you did at the same age .

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.

 

[Sky_Blue_Dreamer]

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.

Had the same with my nan. My mum was working part-time as a bank cashier, I was working full time as a trainee accountant. My sister was at uni and working part time in a shop. My nan was retired and her pension, the pension she got off my grandad's work and her state pension made her the highest earner in the family. She went on at least 6 holidays a year (at this point she wasn't able to travel abroad so it was those 5 day coach trips to the seaside things but she used to go away with her sister abroad every year after my grandad died).

When she died going through her stuff we found a receipt for one of her clay figurines in the house. She paid £250 for it in 1977. It was equivalent to us spending £1500 on an ornament in 2010. Yet she'd complain she got no help at all and was scraping by and said my generation wasted money on stuff. I barely went out as I was trying to get enough together for a deposit on a house. I'd only bought a car a couple of years before pretty much solely to take her to various appointments once she got ill.

 

[Alan Dugdales Moustache]

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.

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.
Had central heating put in in 1980 and a phone in 1982. Bought a vauxhall viva in Around 1974 and then replaced that around 15 years later with an Astra. Both bought new in cash that he saved by going without other luxuries
Always turned the heating off at 9pm. Had a bath only on Sunday and Wednesday to save on gas . Never had a shower put in as he thought it unnecessary and used too much electricity. Washing machine used once a week because it cost a lot to run
Threadbare carpets.
He worked at Dunlop Aviation in Holbrooks for over 40 years on a lathe.
He passed away during lockdown and what he left in his will was far more than I ever anticipated. Typically, my mum won't spend it on things that aren't essential.
Older people had priorities different to my generation, and my generation have different spending priorities to today's generation. One thing is for sure. Today there is far more temptation to spend, to have material wealth immediately , to follow the trend, to borrow. Technology is vastly better but at a financial cost to everyone and not always to everyone's benefit.
I'm sure your dad might well be comfortably well off now but I bet in his younger days he made sacrifices in order to get there, sacrifices that younger people simply wouldn't be prepared to do today, in a world where pressure from your hand held phone doesn't allow it.

 

[Grendel]

A great story. I bet he had his first car paid for in cash long before you did at the same age .

Wonder if he told Dave about the 16% mortgage days

 

[NorthernWisdom]

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?

 

[Grendel]

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?

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

 

[Alan Dugdales Moustache]

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

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 .
" Has it got a driveway ?"
No. Its Victorian.You park on the road"
"Err...no then. "
"

 

[Brighton Sky Blue]

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

 

[Grendel]

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

 

[Brighton Sky Blue]

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

OK, but the modern equivalent is now to rent for years to save for a deposit, which is what we had to do and the stats show most millennials/Gen Z end up doing. If home ownership were still as easy as it used to be the rates wouldn’t have gone down as much as they have.

 

[Sick Boy]

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.

Haha it makes me laugh how many people just parrot Yank shite while claiming to be a British patriot.

 

[Evo1883]

 

[Alan Dugdales Moustache]

Not really. Just fact based observations you clearly can’t counter.

Perhaps calling me a salty snowflake will work?

No. Just observations that the world seems to owe you quite a lot.

 

[Alan Dugdales Moustache]

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.

 

[Brighton Sky Blue]

Its a poor show when you have to explain the " ghastly " reference. Its way over some people's head.

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.

 

[chiefdave]

Wonder if he told Dave about the 16% mortgage days

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.

Suspect if someone struggling today suggested that as well as them working full time their partner had to get a part time job the response would not be positive. Again just illustrates the difference between the generations. What was considered a struggle then would be considered, at best, the norm now.

 

[Alan Dugdales Moustache]

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 ?

 

[shmmeee]

“the 16% mortgage days”

Meanwhile the value of the house goes up 300%

 

[shmmeee]

Credit is harder to obtain than since when ?

Firstly about 2008, then about 2020. Lenders are tightening up a lot right now.

 

[Ring Of Steel]

“the 16% mortgage days”

Meanwhile the value of the house goes up 300%



View attachment 16510

Isn't the average age to buy your first home increasing all the time as well?

 

[chiefdave]

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.

 

[chiefdave]

Isn't the average age to buy your first home increasing all the time as well?

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.

 

[NorthernWisdom]

couldn't get one as £550 a month was apparently unaffordable.

Well that bodes well...

 

[hill83]

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.

Stop whinging, get a cheaper house and get your Nokia 3210 out.

 

[Brighton Sky Blue]

Credit is harder to obtain than since when ?

Since the 2008-9 recession

 

[Grendel]

“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

 

[Alan Dugdales Moustache]

Since the 2008-9 recession

I was thinking about the previous century. !

 

[Brighton Sky Blue]

I was thinking about the previous century. !

How would that be relevant?

 

[Alan Dugdales Moustache]

Take the cost of a house in the 60s and divide by two

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.