Universal Credit

[Kellfire]

I’m going to say “ok boomer” to pretty much all of this thread.

 

[Bunkermagnet]

And there are times when looking after your family involves telling them some hard truths, rather than kissing it better; this appears to be one of them to me.

I'm not saying it isn't, all I'm trying to say is that at least he is trying to help his family whether it's the right way or not

 

[Fromtherough]

I’m going to say “ok boomer” to pretty much all of this thread.

In what context?

 

[PJ87]

I’m going to say “ok boomer” to pretty much all of this thread.

You could say that to a lot of posts on the forum at times. The "in my day" brigade who don't realise that day has gone. The world is a scarier and harder place now for people to navigate. Covid has made it 100 times worse for that generation.

I'm 33 and I think this is what my 3rd recession? Their suppose to be once in your career.

I feel for My daughters. By time they come to get jobs all careers will be gone. Houses will be impossible to own yet somebody will tell them in their day we just did this so it was fine.

Like when people say kids are lazy for not walking to school.. in my day I walked 2 miles there and back.. well in your day the schools werent so packed .. now the local school can be 5 miles away on busy roads with direct routes taken out by more and more housing..

THE WORLD HAS CHANGED

Boomers ,?

 

[Lord Tyrion]

Were they actually giving away so much money though. I don't know of one self employed person who has got loads of ££££. There is so much rubbish being spouted around on the internet.

There were limits all the way so if anyone was getting too carried away or angry then it is probably misplaced. If you were the right size or in a particular segment, retail, leisure and one other I can't remember, possibly tourism, you got a one off payment of £10k per unit, no business rates to pay for the rest of the year. Sounds good but those industries had no income so not a total winner. If someone wants to take that money for themselves then it will be subject to the appropriate tax so they could not simply take all £10k to spend on themselves.

I've no doubt some people took the money and spent it on non business use for themselves but the system was there to get money to people as quickly as possible and that means no balancing rules could be put in place.

 

[PJ87]

There were limits all the way so if anyone was getting too carried away or angry then it is probably misplaced. If you were the right size or in a particular segment, retail, leisure and one other I can't remember, possibly tourism, you got a one off payment of £10k per unit, no business rates to pay for the rest of the year. Sounds good but those industries had no income so not a total winner. If someone wants to take that money for themselves then it will be subject to the appropriate tax so they could not simply take all £10k to spend on themselves.

I've no doubt some people took the money and spent it on non business use for themselves but the system was there to get money to people as quickly as possible and that means no balancing rules could be put in place.

They let people carry on working but could claim the grant

For example the guy who did my loft could have claimed (dunno if he did) but he restarted working in may after finishing April as finished a job rather than leave it half done.. yet he will have earned at the same time

Nothing to stop anyone doing that as you don't know if your work might be effected like somebody might cancel a job as they now can't afford it etc

If at the end your in a better position for it you don't have to give it back!!

When covid hit we took a mortgage holiday incase but the overtime went through roof and I cleared enough to save a nest egg and get a new car .. couldn't have planned that though didn't know if tfl was going bust one min!

 

[SocketRocket]

Whilst in principle that's correct today's world is rubbish. There aren't jobs for life anymore or careers .. well less and less every day

More and more zero hour jobs, unreliable incomes.. and just more competition for every job out there

I'm lucky to have a job for life role. However many of my friends and family bounce from job to job until they can find something that should sustained them.

I have to say that life for the vast majority of people in this country is better than it has ever been, if you think this is rubbish you wouldnt have liked to live in the past.

 

[SocketRocket]

I’m going to say “ok boomer” to pretty much all of this thread.

Thanks ?

 

[PJ87]

I have to say that life for the vast majority of people in this country is better than it has ever been, if you think this is rubbish you wouldnt have liked to live in the past.

Jobwise it really isn't

Jobs for life
Gold plated pensions
Retiring at 55 for some

You can't tell me what there is now where people have zero hour contracts .. rubbish pensions if any working until 67

Bouncing from job to job as careers are harder to come by

 

[SocketRocket]

You could say that to a lot of posts on the forum at times. The "in my day" brigade who don't realise that day has gone. The world is a scarier and harder place now for people to navigate. Covid has made it 100 times worse for that generation.

I'm 33 and I think this is what my 3rd recession? Their suppose to be once in your career.

I feel for My daughters. By time they come to get jobs all careers will be gone. Houses will be impossible to own yet somebody will tell them in their day we just did this so it was fine.

Like when people say kids are lazy for not walking to school.. in my day I walked 2 miles there and back.. well in your day the schools werent so packed .. now the local school can be 5 miles away on busy roads with direct routes taken out by more and more housing..

THE WORLD HAS CHANGED

Boomers ,?

I dont believe you understand the concept of supply and demand. If people cant afford to buy houses then the price will drop so they can.

Kids arnt naturally lazy, they are allowed to be by parents who have spoiled them, if their school is 5 miles away they get on a school bus, many parents drive kids to school because the kids expect it. The average class size when I was at school was around 40, is it larger than that today?

YES THE WORLD HAS CHANGED BUT YOU CAN BLAME THE SOCIETY YOU HAVE CREATED FOR THAT. My kids didnt get driven to school and neither did I.

Boomers! you dont know how well off you are ?

 

[PJ87]

I dont believe you understand the concept of supply and demand. If people cant afford to buy houses then the price will drop so they can.

Kids arnt naturally lazy they are allowed to be by parents who have spoiled them, if their school is 5 miles away they get on a school bus. The average class size when I was at school was around 40, is it larger than that today?

YES THE WORLD HAS CHANGED BUT YOU CAN BLAME SOCIETY FOR THAT.

Boomers! you dont know how well off you are ?

Lol you really think if people can't afford houses the prices will magically drop? Are you actually drunk or just delusional

All the houses get snapped up by people for second homes keeping the prices up for people to create a rental market for somebody else to cream a living off.

Prices won't drop . The demand will always be there!!! Yet people will struggle to get them and be forced to rent off the people who can afford to stump up the deposit.

 

[SocketRocket]

Jobwise it really isn't

Jobs for life
Gold plated pensions
Retiring at 55 for some

You can't tell me what there is now where people have zero hour contracts .. rubbish pensions if any working until 67

Bouncing from job to job as careers are harder to come by

Only a few jobs were for life, work was hard in the past and if you didnt get your nose down and backside up you were fired, no employment protection laws then. You talk as if most people are on minimum hours but that's not true and many prefer it anyhow.

No one can deny life is not better now for the majority than it has ever been, what you call tough is just comparitive to what people are used to and now expect as an entitlement. Regarding pensions, anyone working for the state still have good pensions and it's now compulsary for employers to offer a pension and contribute to it.
Nothing wrong with working longer if you are going to live longer and remember back in my day many left school at 15 and worked to 65, now many dont start a real job until they are in their mid twenties.

 

[williamalex1]

My daughter and ex wife have been stranded here in Scotland since March 13th, the day before lock down.
They returned here after being resident in Tenerife for almost 10 years, sadly my 77 year old ex wife is now immobile and has advanced dementia and needs specialised care.
But because of the lock down they've been unable to meet any government officials , social workers or have received any financial assistance.


Makes you wonder how refugees and asylum seekers have managed during this pandemic

 

[chrisd]

Jobwise it really isn't

Jobs for life
Gold plated pensions
Retiring at 55 for some

You can't tell me what there is now where people have zero hour contracts .. rubbish pensions if any working until 67

Bouncing from job to job as careers are harder to come by

Truth is though Paul - we were expected to stay loyal to our employer so, yes, there were jobs for life but now unless you move jobs every few years you're not ambitious - moving jobs in that way tends to increase pay and bear in mind our fairly frequent recessions

Most didnt have gold played pensions and most that did had lower wages to compensate - Council staff, Civil servants etc

The retirement age has always been 65 whilst I worked, yes police, firemen etc etc retired earlier but it wasnt the norm

Zero hour contracts are more common and do suit some jobs and people's lifestyles and maybe they are not great for everyone but back when I started working you didnt get a contract and could be dismissed without any comebacks

 

[SocketRocket]

Lol you really think if people can't afford houses the prices will magically drop? Are you actually drunk or just delusional

All the houses get snapped up by people for second homes keeping the prices up for people to create a rental market for somebody else to cream a living off.

Prices won't drop . The demand will always be there!!! Yet people will struggle to get them and be forced to rent off the people who can afford to stump up the deposit.

Supply and demand, read about it, it's not magic.

I'm not drunk or delusional but realistic, give it a try.

There is absolutely no way 'All the houses' will get snapped up by people for second homes, more and more people buy their own homes but you cant always do it without going without some of the nice things in life to do it.
Prices can drop if demand drops, it's happened to me, I bought a house once at the market value in one year it had dropped by 35% due to a market collapse in housing prices.

But I guess none of this matters because we are 'BOOMERS'

 

[SocketRocket]

Yep, I did my first paper round aged 11 and never had a single day off work unemployed since leaving school

Snap! We are Boomers though Chris.

 

[PJ87]

Supply and demand, read about it, it's not magic.

I'm not drunk or delusional but realistic, give it a try.

There is absolutely no way 'All the houses' will get snapped up by people for second homes, more and more people buy their own homes but you cant always do it without going without some of the nice things in life to do it.
Prices can drop if demand drops, it's happened to me, I bought a house once at the market value in one year it had dropped by 35% due to a market collapse in housing prices.

But I guess none of this matters because we are 'BOOMERS'

Again "in your day" posts. You just don't understand modern life

The old going without nice things arguement ... A classic

Or the waited for a crash to get on the market

All simple and achievable now.....

Well done you.

Only a few jobs were for life, work was hard in the past and if you didnt get your nose down and backside up you were fired, no employment protection laws then. You talk as if most people are on minimum hours but that's not true and many prefer it anyhow.

No one can deny life is not better now for the majority than it has ever been, what you call tough is just comparitive to what people are used to and now expect as an entitlement. Regarding pensions, anyone working for the state still have good pensions and it's now compulsary for employers to offer a pension and contribute to it.
Nothing wrong with working longer if you are going to live longer and remember back in my day many left school at 15 and worked to 65, now many dont start a real job until they are in their mid twenties.

Workplace pensions are there to replace state pensions long term. The gov will use it as an excuse to bin off that pension as everyone will have one.

Truth is though Paul - we were expected to stay loyal to our employer so, yes, there were jobs for life but now unless you move jobs every few years you're not ambitious - moving jobs in that way tends to increase pay and bear in mind our fairly frequent recessions

Most didnt have gold played pensions and most that did had lower wages to compensate - Council staff, Civil servants etc

The retirement age has always been 65 whilst I worked, yes police, firemen etc etc retired earlier but it wasnt the norm

Zero hour contracts are more common and do suit some jobs and people's lifestyles and maybe they are not great for everyone but back when I started working you didnt get a contract and could be dismissed without any comebacks

Pensions were a lot better for sure. My father recently retired from royal mail who ruined his pension.. he was due to get nothing. He tracked down an old pension from when he worked in London .. bear in mind that was 1994 he left that job .. wasn't there that long maybe 10 years? The pension is enough combined with his royal mail one to bring his earnings to just above what he was being paid with royal mail. He isn't even 65.. so doesnt include his state pension either.

You wouldn't get that now at all.

I am very fortunate.. but I still don't trust what the government will do to pensions in the future. I pay AVCs to boost my already final salary pension just incase they ruin it in 30 years. Many people wouldn't be able to afford to shove money into a pension and AVCs plus afford to live.

Zero hour are great for certain people but that should be limited to students working through uni, people who want flexibility etc. The whole gig economy that's been set up is terrible .

Would like to see the gov back more apprenticeships.. discourage people from unis. Unless you need a degree for your career.. like a Dr .. we need far more tradesmen and other careers ofc who people could learn a trade and earn good money without crippling debt just because "uni life" is the done thing.

Will discourage my girls from uni unless needed. My wife has a degree doesn't use it. I don't have a degree I left at 16 (after my paper round) apprenticeship and never been unemployed since.. don't think one of My friends thought my decision was a good one to turn down the 6th form at My old school. Yet only one of them is paid more than me now but all of them have a huge debt to their name (which one day the gov could say to a bank count it against them for a mortgage imo).

Going back to the future unless my girls become doctors or bankers or something I don't see them owning houses for a long time and only way they could get the deposit is either a grant from the bank of mum and dad or inheritance from the bank of nan and grandad. Which is a depressing thought.

 

[Kellfire]

Again "in your day" posts. You just don't understand modern life

The old going without nice things arguement ... A classic

Or the waited for a crash to get on the market

All simple and achievable now.....

Well done you.



Workplace pensions are there to replace state pensions long term. The gov will use it as an excuse to bin off that pension as everyone will have one.



Pensions were a lot better for sure. My father recently retired from royal mail who ruined his pension.. he was due to get nothing. He tracked down an old pension from when he worked in London .. bear in mind that was 1994 he left that job .. wasn't there that long maybe 10 years? The pension is enough combined with his royal mail one to bring his earnings to just above what he was being paid with royal mail. He isn't even 65.. so doesnt include his state pension either.

You wouldn't get that now at all.

I am very fortunate.. but I still don't trust what the government will do to pensions in the future. I pay AVCs to boost my already final salary pension just incase they ruin it in 30 years. Many people wouldn't be able to afford to shove money into a pension and AVCs plus afford to live.

Zero hour are great for certain people but that should be limited to students working through uni, people who want flexibility etc. The whole gig economy that's been set up is terrible .

Would like to see the gov back more apprenticeships.. discourage people from unis. Unless you need a degree for your career.. like a Dr .. we need far more tradesmen and other careers ofc who people could learn a trade and earn good money without crippling debt just because "uni life" is the done thing.

Will discourage my girls from uni unless needed. My wife has a degree doesn't use it. I don't have a degree I left at 16 (after my paper round) apprenticeship and never been unemployed since.. don't think one of My friends thought my decision was a good one to turn down the 6th form at My old school. Yet only one of them is paid more than me now but all of them have a huge debt to their name (which one day the gov could say to a bank count it against them for a mortgage imo).

Going back to the future unless my girls become doctors or bankers or something I don't see them owning houses for a long time and only way they could get the deposit is either a grant from the bank of mum and dad or inheritance from the bank of nan and grandad. Which is a depressing thought.

But hula hoops and ration books and fish and chips wrapped in newspaper.

 

[PJ87]

But hula hoops and ration books and fish and chips wrapped in newspaper.

My friends bf has just had to sell his flat.. the bank wouldn't lend him 80k to buy out his flat mate so he had to sell up and move home to start again.. at 35 .. they are now saving to buy together but are about 10k short will take a while

Another friend of mine who I went to school with.. he went back to teach at our school, has now replacement the head of ICT who stood down to semi retire (my mother lol another story) but even he lives at home at 33 as he just can't afford to get a house on his own. On a good wage In a good career ... He has gone without he has a tone in savings waiting to spend on a house ..

If only life was simple eh

 

[Bunkermagnet]

My friends bf has just had to sell his flat.. the bank wouldn't lend him 80k to buy out his flat mate so he had to sell up and move home to start again.. at 35 .. they are now saving to buy together but are about 10k short will take a while

Another friend of mine who I went to school with.. he went back to teach at our school, has now replacement the head of ICT who stood down to semi retire (my mother lol another story) but even he lives at home at 33 as he just can't afford to get a house on his own. On a good wage In a good career ... He has gone without he has a tone in savings waiting to spend on a house ..

If only life was simple eh

It’s very easy to say one era had it better, and being in my 50’s I fall in between those with the golden pensions and newer workplace replacements, but the modern life has so many more things now considered “essential” that years back weren’t around. Mobile phones, cable/ satellite Tv, 3 yr cycle of car ownership the list goes on.
Yes I agree housing prices are silly, but houses are viewed and used as a commodity rather than a home. Sadly that’s a legacy of the 80’s and Mrs T, just as private pensions being raped for around 30% by the Chancellor of the day Gordon Brown has meant those, like myself, who had put away their own money as we were all told state pensions would be worthless now have to work for longer.
There’s better and worse for every generation, and moaning about it or throwing insults at people because they are older or younger than you doesn’t help anyone.