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HeliX

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Posts posted by HeliX

  1. 1 minute ago, trmpton said:

    Work harder, save more.

    A lot of what a person is able to earn is based on luck and conditions they were raised in. Perhaps we should address systematic problems that drive up prices of necessities, like housing. 

    • Like 1
  2. Just now, trmpton said:

    I agree with one of your earlier posts.

    To buy our first house we spent absolutely nothing other than essentials for 3 years and lived with my parents to save up.

    I honestly don't know many in their 20s who would do that now.

    They complain they can't save a deposit while driving a car on finance, spending 60 a month on the fastest broadband, 60 each on mobiles, sky, Netflix, amazon prime, nights out............

    What a terrific set of sweeping generalisations. 

    I'm a few years above the generation we're talking about, but everyone I know who was able to live with their parents to save money did so. The ones that have houses are still mostly limited to those who were in receipt of sizable inheritance though. 

  3. Just now, trmpton said:

    Me and my kids are "our own people"

    If you can afford 3 additional houses, then not buying those is not as alienating as not being able to afford 1 house to live in because of rampant BTL abuse. 

  4. Just now, The Dog's Dangly Bits said:

    I suspect those people found it as hard if not harder to afford a house.

    That suspicion is contrary to what every economist has been saying for the last 10 years but maybe they're wrong and you're right.

  5. 1 minute ago, The Dog's Dangly Bits said:

    Not really.

    It's a free market.  People can spend their money on what they like.  

    It's historically at pretty much an all time low to borrow money too.

    I don't think he was suggesting that it was impossible to do it. I think he was suggesting it was immoral to do it.

  6. 53 minutes ago, Boris Johnson said:

    Blame too many things for young uns to spend their money on.

    When I bought my first house I had night clubs as about the only thing I could waste money on. 

    Nowadays? Where do you start, phones, tablets, e gambling, sky, Netflix, etc etc etc 

    It has never been easy to get a house but I think it is really difficult for current FTBs as there is no do er uppers for one thing and you need a bigger deposit than in the 80s for example - having said that I was paying about 15% interest on an endowment, remember them, mortgage back then. (That turned out well - not)

    No easy answers to housing, if you want to buy your own you need to make big sacrifices, as you always have.

     

    It's worse than just big sacrifices now though. A lot of the new builds etc are refusing viewings unless you are a cash buyer or have given a deposit already... and other houses the bank will tell you you can't afford a mortgage because you're currently paying £900 a month in rent. Stupid.

    • Like 1
  7. On 6/6/2021 at 7:22 PM, The Dog's Dangly Bits said:

    Young people can afford houses.  What IS this obsession with thinking a 20 year old should be able to buy a house?

    Sustainability - in what respect? 

    A lot of 30-50 year olds can't afford houses (unless their parents happen to cop it and have 20-40k in inheritance to leave behind).

    Rent is appallingly high, housing prices are shooting up, wages are stagnant, cost of living is increasing.

    Not a good time to be in your 20s.

    • Like 2
  8. 59 minutes ago, trmpton said:

    Hundreds

    There are - it's mostly multinationals that are taking the piss with horrific bonuses whilst underpaying their staff.

    That said though, if the big corps were dealt with (be it by capping boss pay to a multiple of median worker pay, or similar) then the bulk of the population would have more money, enabling the small business owners to up their prices and pay themselves and their staff better...

    Money in the pockets of the middle and working class is beneficial to all. Money in the swiss bank accounts of the super wealthy is not.

    • Like 2
  9. Just now, trmpton said:

    This is just cases going up as expected, which doesn't matter, because the extra cases aren't leading to extra deaths and those who are becoming ill are nearly all people who haven't been jabbed.

    I think it's a little early to make that claim, though I am optimistic that it's correct.

  10. 5 minutes ago, trmpton said:

    Expected.

    Restrictions have eased so they were always going to go up.

    It is a few hundred a day more than it was a week ago and less than it was six weeks ago.

     

    Who cares?

    It can be both shooting up and expected.

  11. 50 minutes ago, The Old Git said:

    Until 1st July. 
     

    Two weeks after my second jab. Have a day trip to Liverpool booked on the 2nd

     

    We are quite close to every adult being double vaccinated. Which does make a month or so more of relative caution appear to be a good idea. If we were a year away from the vaccine programme being finished I would argue in favour of less restrictions, because we can't afford another year of this. But perhaps the £400m loan could get us to the end of the vaccination programme.

    • Like 3
  12. 10 minutes ago, P.K. said:

    They probably miss staying in a French Gite for 6 weeks in the summer.

    It's a tough break but someone's got to do it....

    6 weeks of accommodation in France is of course well known for being affordable on a teacher's salary.

    • Like 1
    • Haha 2
  13. Wouldn't want the job, primarily.

    Though the idea that I could eventually end up with a newspaper column that @2112 could get really agitated about (when he's taking breaks from propping up the Manx economy with his not-to-be-missed investments) has its appeal.

    • Like 2
    • Haha 3
  14. I tried for about 6minutes and decided to do it again in unsociable hours.

    It is poor that they didn't plan for the demand though. But given how slowly Government moves, and how embedded in particular technology stacks they are, it's perhaps unsurprising.

    • Like 2
  15. 1 hour ago, 2112 said:

    Unfortunately I’m stuck here, commitments etc. Given the opportunity I’ll bugger off, with my money as well. You won’t miss me, but will my investment in the local economy and my money. 

    This is the most knobheaded post I've seen on here in ages.

    • Like 3
    • Haha 1
  16. 1 hour ago, 2112 said:

    Yesterday’s IOM Examiners Cretters Column is about Crets memories as a MGP rider. FFS, they really must be desperate to fill a page - an ex financially comfortable politico regaling his few followers of his hobby. It’s great to be able to indulge in a sport which isn’t financially ‘cheap’. Boastful and shows the trappings of wealth - whilst lecturing the public at the same time on a myriad of subjects. 

    Do you read the column every week to get yourself into a little frenzy? I suppose everyone needs a hobby but yours strikes me as a bit sad.

    • Like 1
    • Thanks 1
  17. Just now, asitis said:

    I wasn't referring to the super wealthy but to the middle ground. The super wealthy are going to be the biggest hurdle to tax and frankly beyond the reach of the MLP and others.

    Quite possibly, but I don't accept that as a justification not to try to do something about the growing wealth inequality.

    I think it's important that tax reforms don't hit people in the 0-45k (numbers pulled out of my backside) bracket. But 45k and up can likely afford a bit more tax burden.

    Though I also think tax needs to be spent much more wisely. And not to bail out private sodding businesses.

    • Like 3
  18. 7 minutes ago, asitis said:

    Accepted, I do however have no problem with people doing their level best to keep our Governments grubby fingers out of other peoples pockets, mainly as they'll chuck it away when they do get their dirty hands on it ! I should add my point of view is from someone who doesn't have any cash to hide as you say.

    I do have some problem with it :)

    Particularly with the super-wealthy. Their wealth has (by and large) been created by people who were educated by the state, have their health maintained by the state, get to work using transport provided by the state... Tax is (broadly) what a person owes to society.

    • Like 1
    • Thanks 1
  19. 2 minutes ago, asitis said:

    All well and good, however in reference to tax cap it will be easy to remove any benefit we get, or may get from it instantly, shooting what benefit we may get in the foot, bear in mind benefits may be spread around, not just on the individuals tax capped status. The tax loopholes point is unworkable, tax base can be relocated with the push of a computer key. If they are not careful, what this says is the ordinary man in the middle will end up with shouldering more burden.

    Depends what the levels are raised to. We have some wiggle room while still being one of the most beneficial places to hide store your wealth...

  20. 2 hours ago, asitis said:

    The MLP manifesto is typical of all manifestos, a wish list of commendable aims which they opine should be popular with their target voter, but with no idea how they will finance or deliver it.

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