Grendel
Well-Known Member
Yes it may be that a pension advisor would suggest you leave It in
Do you want to discuss boring politics? (19 Viewers)
- Thread starter mrtrench
- Start date
Yes it may be that a pension advisor would suggest you leave It in
duffer
Well-Known Member
I'm no expert on pensions, but this might be a good place to start for free, impartial, advice...
Free and impartial help with money, backed by the government | MoneyHelper
MoneyHelper: free and impartial help with money and pensions. Formerly Money Advice Service, The Pension Advisory Service and Pension Wise.
www.moneyhelper.org.uk
chiefdave
Well-Known Member
Same here, can't think of anyone that didn't pay rent at home. It highlights the problem really.
G, who in the past has spoken about how his kids haven't needed his help to get on the property ladder, has said his daughter saved £50K in 5 years while paying no rent. Obviously that's brilliant for her and to be applauded but if you're an 18 year old on minimum wage you're earning £14K a year. Its not hard to see why a lot of people struggle to save the kind of deposit required and pass affordability tests.
We need more housing, its as simple as that. The supply is being limited to keep prices high. Problem now is we've been in this situation for so long even if there was a massive house building program started its going to take years, or more likely decades, to get to where we need to be.
skybluetony176
Well-Known Member
The very fact that they were living at home rent free is help. Especially as they wouldn’t have had other expenditures such as energy bills, council tax, water rates and food bills. Many young people don’t have that luxury as well as paying private landlord rent on top of that. They may also not have the luxury of living with their parents for a number of reasons such as moved away for work or simply from a disfunctional family where there isn’t the security of a family home. Not sure how people like this are supposed to save a deposit to get on the ladder.
skybluetony176
Well-Known Member
Barristers on strike today have been joined on the picket lines by RMT members to rapturous applause. Industrial action transcending traditional working and middle class professions. Like I said yesterday, it’s in the government’s interest to resolve these issues before it escalates. The working and middle classes are getting poorer while the rich get richer. The phoney culture war isn’t going to thwart a class war which is more and more every day looking like the real reason for the phoney culture war. The government and their paymasters think we’re stupid enough to be distracted by a phoney culture war while they take the piss more and more.
jimmyhillsfanclub
Well-Known Member
Whilst i've no doubt its harder to get on the ladder since the cursed rise of buy-to-let, there are still some favourable elements for buyers & other ways & means to get on....
Borrowing is still cheap as chips with ultra-low interest rates.
Still plenty of 5% deposit mortgages on offer I believe.
Theres even still the opportunity to raise towards a deposit by stoozing the 0% credit card offers.....
I lived in shitty house-shares in order to save towards deposit for my first house......and my first house was a fixer-upper in a moody area.....
My mates daughter recently purchased her 1st house at 24 years of age with an average salary & no bank of mum & dad...... it is still possible in most of the UK outside of london & the hotspots....
Borrowing is still cheap as chips with ultra-low interest rates.
Still plenty of 5% deposit mortgages on offer I believe.
Theres even still the opportunity to raise towards a deposit by stoozing the 0% credit card offers.....
I lived in shitty house-shares in order to save towards deposit for my first house......and my first house was a fixer-upper in a moody area.....
My mates daughter recently purchased her 1st house at 24 years of age with an average salary & no bank of mum & dad...... it is still possible in most of the UK outside of london & the hotspots....
It's possible, yes.
But it's much, much harder than it should be and much, much harder than it used to be.
jimmyhillsfanclub
Well-Known Member
Really like that phrase.
skybluetony176
Well-Known Member
Still trotting out the vaccine lie. Things must be bad if we’re back to lying about Brexit benefits
Kind of is doing a lot of heavy lifting there. It sounded like you're saying it's pretty easy for most people, when it clearly isn't.
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Alan Dugdales Moustache
Well-Known Member
That's fantastic
I've lent one of my daughter quite a big deposit to help her buy a house her family can grow in to. We've agreed she'll pay me back over 20 years with no interest. I've decided from the off that after 10 years I'll gift her the rest if she sticks to it up until then, which she's unaware of . 3 years in she is and grafts hard . If she was to lose her job through no fault of her own I'd sort something out . I always think it's worth helping out if your kids have a good work ethic.
skybluetony176
Well-Known Member
The phoney culture war continues with the Thatcher impersonator
Sky Blue Pete
Well-Known Member
so hard to say yeah you’re right it was not right I withdraw. Wonder what they say to their kids about admitting they are wrong
Sky_Blue_Dreamer
Well-Known Member
That's great for her, but not really a solution for the numerous people her age that don't have that option. Can't really make it government policy can we?
skybluetony176
Well-Known Member
Doctors looking likely to strike, Royal Mail workers being balloted today on strike action.
skybluetony176
Well-Known Member
Depends on your GP, it’s a lottery. Mine never stopped seeing people. You just had to have a telephone or online consultation first. Personally I think it’s a good idea anyway, keeps people with a runny nose looking for a prescription for penicillin from wasting GP’s time meaning they can get on with people who have a genuine need for medical attention.
Sky Blue Pete
Well-Known Member
How it works with ours now I think it’s better, they also have way too many people
jimmyhillsfanclub
Well-Known Member
Alan Dugdales Moustache
Well-Known Member
That's precisely why I did it. Perhaps I shouldn't bother so it's fair on everyone else.
skybluetony176
Well-Known Member
Remember when the culture minister said that C4 the country’s most streamed TV channel needed privatising to compete with Netflix
Netflix cuts 300 more jobs after subscriptions fall
In April the streaming giant reported its first subscriber loss in more than a decade.
www.bbc.co.uk
Sky_Blue_Dreamer
Well-Known Member
Fair enough, but wouldn't it have been nicer if you hadn't had to do it in the first place?
Grendel
Well-Known Member
Why it helped him make some money to set him on the way
shmmeee
Well-Known Member
He’d have had more money if housing was affordable.
Grendel
Well-Known Member
Would it? I dont know his personal circumstances - perhaps his a stoical chap whose happy with his lot.
shmmeee
Well-Known Member
I mean yes, if housing were more affordable obviously he’d have more money, cos he wouldn’t have to spend it on housing…
How happy he is with his extra money is a different point entirely. You really are flailing all over the shop recently.
Grendel
Well-Known Member
Says the man who needs advice from a primary school child to stop him from voting Brexit
shmmeee
Well-Known Member
Weren’t you the “family is all” guy?
fernandopartridge
Well-Known Member
I had the misfortune to click on the #MelillaMassacre hashtag earlier. Absolutely shocking and abhorrent, without in any way defending the UK governmentgovernment it shows it is by no means the worst in its treatment of asylum seekers. Spain ought to be ashamed.
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Alan Dugdales Moustache
Well-Known Member
Nicer for me perhaps, but if I'm helping my kids out it's not really an issue.
