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HeliX

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Posts posted by HeliX

  1. On 5/29/2021 at 7:08 PM, Barlow said:

    So at a push, how about we legalise cannabis but at the same time triple the penalties for class A drugs (coke, heroin etc).

    I don't want any of that shit or the shites that feel they have to take it anywhere near me or my family. Druggie bastards the fuggin' lorra them.

    "ahhh . . it's only a wee wrap"

    Penalties for dealing yes, penalties for possession/taking no. They don't work.

    • Like 1
  2. 1 minute ago, trmpton said:

    In an ideal world my kids would never have to work and could spend their lives helping the poor and working in a donkey sanctuary .

    In the real world they will have to make their own decisions in life.

    They may decide to rent forever (realistically, this is what will likely happen in the future and is what most places outside Britain do already) and not bother saving up.

    They may decide to save a deposit and make sacrifices for a few years and maybe work 2 or 3 jobs like me and the Mrs did - Its hard to spend much when you are constantly at work.

    In my experience some real sacrifices in your 20s and 30s lead to a much better life longer term.  I say that as a bloke still in his early 40s who can look around his own friend circle

    I don't subscribe to the "reality can't be perfect so let's not make any improvements" ideology. We can at least work in the right direction.

    Some people get appropriately rewarded for hard work and effort. Lots don't. There are lots of changes that could be made to improve equality of opportunity, and to reduce the tendency for wealth to trickle upwards. This would put more money into the economy (less wealthy people tend to spend more locally), and in my opinion would be of benefit to all. Housing is a significant factor in this.

    • Like 3
  3. 4 minutes ago, trmpton said:

    And now you are starting to understand how people did it in the past.

    Some may have done, lots didn't, and lots did it on one salary (which is now impossible).

    But even if all of them did, I want life to be better and easier for my children than it was for me. Don't you?

  4. 5 minutes ago, The Dog's Dangly Bits said:

    That isn't true.  Debts are being structured over a longer period later in life.  People aged 30 now have 40 years of work ahead in most cases.

    Surely you're not trying to frame that as a good thing? We should be working fewer years as global productivity increases, not more.

  5. Just now, trmpton said:

    So hand on heart you haven't spent any money on luxuries or extravagances that you could have done without in the short term, and neither could any of your friends?

    Don't believe you sorry.  I bet most of you if really determined to save a deposit could have put 5k a year aside by cutting out nice to haves without even trying.

    5k a year = £13 a day. 

    £13 a day is about 1/5-1/3 of the after-tax pay of a significant portion of the population.

    I can afford it, as mentioned I am very very fortunate. But having helped several friends with their budgets, £13 a day is unrealistic. Maybe £4-5 a day at a push - and that would be at the expense of spending the better part of a decade with very few luxuries? And would be thoroughly wiped out by a service bill for a car...

    (Also I would argue that the difference between £4745 and £5000 is pretty significant, particularly for people at the lower end of payscales.)

  6. 12 minutes ago, 2112 said:

    Perhaps she took offence with the interviewer? She could have smiled, at least she was getting airtime, both on video and radio interview. There are some people on this island that have many issues (and there are many who don’t get a look in) and would relish an interview with the Nations Propaganda Mouthpiece, to highlight their issues. There are also some unfashionable issues which are not brought to the public’s attention. 
     

     

    Did you watch the video? Plenty of the video they're both smiling. What a strange take.

    • Like 1
  7. Just now, trmpton said:

    You are talking about a state pension.

    A private pension is part of your fundamental life planning that you should have been doing from about the age of 20.  Like lots of other things in life, to get out of it at the end you unfortunately have to sacrifice some of you dinner out, posh car, Sky , holiday money in your earlier years.

    That way, towards the end of your mortgage when the payments are very small, you have a nice pension coming in that will easily cover them.

     

    Along with paying rent, cost of living and saving for a mortgage.

    I am in a fairly fortunate position, but out of everyone I know (and most of them are hard workers, skilled workers, and in most cases graduates) I am very much the exception. And I don't work all that much harder than average. I had a lot of advantages growing up - my family were comfortable. Not well off, but not struggling. They very much cared about me doing well (even when I didn't). I was fortunate enough to be born with a reasonable level of aptitude. I was even more fortunate to pick (though really it was picked based on enjoyment) a career path that ended up being thoroughly understaffed, so I can make pretty big salary demands.

    But despite all that, we only own a house because of inheritance.

  8. 4 minutes ago, The Dog's Dangly Bits said:

    That article would be better if you had provided some balance around the costs of borrowing money.

    It's also worth pointing out that you can basically apply that article to most of the UK and I suspect many other countries.  Including your own.;)

    What is the "crisis" by the way?  I agree the prices rising back past all time high levels on the island is making it tougher to buy a house but at the same time I'm not sure it's a crisis.  People are doing things later in life.  Like starting a family.  So taking on a 30 year debt commitment doesn't need to be done at 20 years of age.

    Banks aren't super keen on giving 30 year debts to people over the age of 35.

  9. 2 hours ago, 2112 said:

    Not a happy person at all. 

    Dunno why we bother with a mental health service when you can diagnose people from one still image :)

    (I've met Kerri. Aside from when people are being knobheads, she's always seemed pretty happy to me)

  10. Just now, John Wright said:

    I’m told the paint is environmentally friendly, and easily removed/painted over.. 

    One of the posters on IoMN&P making most noise is someone who normally alleges anything critical of Israel, or pro Palestinian/Arab is antisemitic.

     

    I did notice that.

    I also noticed that if you were to make a venn diagram of homophobes, bigots, anti-vaxxers and Trump supporters it'd basically just be one circle.

    • Like 3
    • Haha 3
  11. 1 hour ago, 2112 said:


    Island gears up for The Long Walk to Pride - Manx Radio 9/6/21

    I don’t know if anyone has seen the front entrance of the Villa Marina? It has been repainted in the rainbow colours, and it’s created a rumpus on IOMNP Facebook page. Loads up in arms that people dare to question the cost of painting, and questioning or raising a point could deem you racist, sexist or possible homophobic, in the eyes of some of our most left wing ‘nutters’

    I have nothing against this taking place in the Villa Marina gardens, however, I do take issue with the repainting of a taxpayer funded and owned building.
     

    Who paid for the repainting?

    Who authorised the repainting?

    How much did it cost? 
     

    The Island is going to have to make very hard choices, belt buckling, and certain sections of society will be hit.

    If the Isle of Pride charity have paid, is it a good use of charity resources?

    As an aside, I have noticed that whilst it has started of as Isle of Pride, a predominantly LGBTQ+ event/organisation it is morphing into a super organisation with other sectors and groups tagging along. Various groups and charities are aligned to the Isle of Pride. One question I would ask is -

    If you are a primarily a LGBTQ+ charity supposedly trying to raise awareness of issues within the local LGBTQ+ community, would it have made sense to align yourselves with LGBTQ+ charities, such as the Terrence Higgins Trust or Albert Kennedy? An admission charge or collection could have promoted with the proceeds going towards these charities? 

    Just a suggestion!

    The post on IOMNP you reference already had all the answers to this. Could've saved yourself a long and stupid post.

    • Like 2
  12. 12 minutes ago, trmpton said:

    People in their 30s can have kids and afford to do so.  A decent job in egaming is 40k+ each and not hard to come by at 30, never mind 39 

    Except that the facts show that the birth rate is dwindling, largely due to financial stressors, and it is causing an incredible knock-on problem.

    Your nice thoughts and bootstrap-pulling are not borne out by reality. The reality is that the situation is pretty dire, in large part due to wage stagnation, and cost of living and cost of housing increases.

    • Like 1
  13. 14 minutes ago, trmpton said:

    That’s a factor.  Nothing that can’t be overcome with the right mindset though.

    If the lack of hardworking and supportive parents were a insurmountable barrier to success in later life you would have a point.

    They aren’t , as evidenced by millions and millions of people who are successful and buying their own houses because they put the graft in and made the sacrifices.

    Depends entirely on what you see as reasonable sacrifice? If you are working towards buying you first home should you be buying coffee everyday and have a car on finance?  I would say not - especially if you are then going to whine about not being able to afford one.

    Youngsters today and lots on this thread keep glossing over end ignoring interest rates.  Yes, the percentage of an average salary you need to borrow has increased since the 80s and 90s but repayments as a percentage of salary haven’t.

    Say the average household income for a couple in their 30s is 45k (a lot more if they can be arsed).

    Assume a house price of 200k.  Is that affordable?

    Now do the maths at 14 percent interest like it used to be and answer again.

    Yes but the fact that it HAS to be "overcome" is the problem. For some, the effort required for moderate success is orders of magnitude higher. For some it's impossible.

    Lower interest rates are no consolation when you need 10-20% deposit, and are unable to save for it because rents and CoL is so high.

  14. 8 hours ago, Numbnuts said:

    One issue is that most young couples want it now, the ready made new/ish house with all decorated , two cars and all the trappings. I remember when my then wife and I managed to get our first house . Ballabrooie way and it was like winning the lottery . We lived in two rooms , one bedroom and a back living room and a kitchen I had made up from contiboard . Over the next 5 years bit by bit we decorated and fitted out the rest. We were happy with what we had in those early years and it was never a issue. Ohhh a second hand car from Hadyn Minay costing £70 . How many couples these days will do that ? Expectations are so much higher sadly despite the extra drain on finances , mobile phones etc . The thought process needs to change in my view but what do I know ! Ohh and so many more couples did the exactly the same or had it harder. Just reiterate thats just the way it was and probably should be .  Oh and I'm very sure lots in here can relate to this . 

    Nobody is suggesting that noone made sacrifices in the past to buy houses. But this constant assertion that the young could buy houses if they bought fewer phones/avocados is plain incorrect. 

    NCUJCgS.jpeg

     

    I only know one person who has bought a "finished" house - and it was a small new build before the prices shot up. They work at a bank and get preferential mortgage terms. I only know one person with a non second-hand car. 

    It's also fully expected and necessary now for both people in a relationship to be working 40+ hour weeks, even soon after having kids. There is very little scope to do up a house. 

    • Like 5
  15. 3 minutes ago, The Dog's Dangly Bits said:

    Quite probably.

    30 or 40 years ago affording a house wasn't an easy thing.  It isn't now.  So not much has changed.

    Trmpton has a point to a degree about today's generation.  There's plenty of moaning about affording to get on the ladder but many have no interest in sacrifice to do it.

    I think for some it's the apathy of never being able to afford one. Deposits are very high, as are prices. Why scrimp and save if you still won't be able to buy? 

    • Like 1
  16. 3 minutes ago, trmpton said:

    You make a valid point up to about the age of 16.

    From there on pretty much anyone can carve their own path if they can be arsed.

    After how much advantage / disadvantage has already been done? It's not like the slate is wiped clean at 16.

  17. Just now, trmpton said:

    Nobody born on the iom in the last 50 years has been to a school that couldn't equip them to earn very good money if they put the effort in.

    I take your point in other parts of the world or even UK, but not over here.

    It's not just the school though is it? It's the parents wealth and attitudes to learning, how much they can help the child, how much extra-curricular they can afford etc. It is not as simple as effort. This isn't a contentious view!

    • Like 1
  18. 9 minutes ago, trmpton said:

    Rubbish

    Its based on how much effort you put in and what sacrifices you make.

    Not really. It is far from a level playing field. Parents wealth, parents ability to spend more time with the kid, intelligence you're born with, quality of education - these are all far stronger predictors for success than effort is. Yes, people with all the advantages in the world can waste them, and some with all the disadvantages can overcome them, but it's not as simple as working hard and making sacrifices.

    • Like 2
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