Latest Moan From You and Me 2024

Discussion in 'Off-Topic Discussion' started by JWK, Jan 1, 2024.

  1. NigelJ

    NigelJ Total Gardener

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    Given the unpaid hours many junior staff (not just junior doctors) do then 32k works out at just under 54 hours a week or about 9 hours a day (6 day week) on the minimum wage, note I ignored tax, NI and pension in the calculation.
    I should have also said earlier that as well as housing, utilities and transport you need to add in student loan repayments that kick in between 20k and 32k depending on which scheme you are under.
    I was lucky as we had grants to university.
    I was consistently downgraded in my chemistry results due to my inability to play the violin.
     
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    • ViewAhead

      ViewAhead Head Gardener

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      Well, I have to say that has never crossed my mind. A hungry person doesn't need to pass a personality test to get help, surely? And some pets are vile. Your donation may go to sustaining a vicious dog that goes on to kill or maim, fuelled by the calories you provided. ;)

      I donate children's toothbrushes. Recently it was suggested children should brush their teeth in school. That is wholly unworkable, IMV - a completely ludicrous idea dreamt up by someone who has never been in charge of 30 5 yr olds. So, better to assist parents with the basics for doing it at home.
       
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      • pete

        pete Growing a bit of this and a bit of that....

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        All I'm saying is that the people mentioned were in secure employment, and above minimum wage.
        If those are allowed to use food banks then probably 60% of people working should be allowed to use them.
        But I dont think they do.

        Was this person on the TV who is running the food bank trying to make a point, as she never mentioned anyone who is actually on a low wage let alone anyone on benefits.
         
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        • Tidemark

          Tidemark Gardener

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          As someone who has had a fair bit of experience dealing with animals, I am of the opinion that vile pets are only vile because of early conditioning by humans. Like people.

          But the next time I pop a box of hamster food in the food bank box I’ll bear in mind that I might be supporting a vicious rodent.
           
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          • ViewAhead

            ViewAhead Head Gardener

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            But maybe people become vile because of early conditioning by humans (parenting, etc) too.

            Personally, I feel "owning" a hamster (or goldfish or bird, etc) is very cruel, but then I've never been in favour of animals being held in captivity for the emotional benefit of humans. They may be fed and housed, but it is imprisonment nonetheless.

            I wouldn't donate pet food anyway as I can't bear to go down that aisle in the supermarket because of the overpowering smell.
             
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            • Fat Controller

              Fat Controller 'Cuddly' Scottish Admin! Staff Member

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              It has to be tempered with the other benefits that are attached - universal credit being the one umbrella that covers the bulk of them now, so someone with no job or part time job will be eligible for either a housing association house and/or a housing benefit element that covers a significant chunk of their rent. Someone earning a decent wage doesn't get that.

              I have a colleague that lives in a council house - full rent is a smidge over £500 for a fairly large three bed semi; conversely, we live in a small two bed semi which knocks the thick end of £1600 a month out of our income, and for the area our rent is actually quite reasonable, mostly because we've been here for a hell of a long time and we look after the place. I don't earn £1100 more than he does. It also has to be borne in mind that gross salary figures are chucked around and are indeed used when it comes to the thresholds for any benefits etc - - yet none of us, except those who earn less than £12.5k per year go home with a gross salary. The more you earn, the more you pay in tax and NI, and that rises very sharply above £50k, so the reality is that someone earning £65k is only taking home roughly £500 per month more than when they were earning £50k - - - yet that extra £15k, psychologically, equates to a lot more in our head.

              upload_2024-8-16_17-16-56.png

              If you are on £35k and paying £600 on council rent, you are left with £1700 after rent. If you are on £50k and paying £1600 a month in rent, you are left with £1500 after rent.
               
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              • Tidemark

                Tidemark Gardener

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                My point exactly.

                I’ve only ever had rescue animals. The organisation that we support doesn’t sell them and they are never owned, only “fostered”. One little cat we took on was offered as “the most terrified cat we have ever had to home”. I don’t know what his first four years of life had involved but it took us four more to get him to trust us not to hurt him. He was a lovely little thing and we were humbled by his eventual faith in us as kind and non threatening beings. He’s buried in our garden and I talk to him whenever I pass by.
                 
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                • Fat Controller

                  Fat Controller 'Cuddly' Scottish Admin! Staff Member

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                  What would their mortgage payments be? Bear in mind that since interest rates have gone up, a lot of folks mortgages or rent has gone up too, and whilst I fully respect that interest rates have been much, much higher in the past, the starting prices of homes has risen incredibly since then.

                  Time was, banks would loan you 3 x your salary for a mortgage. So a bus driver in London on circa £35k would be eligible for £105k if the old system were used. That wouldn't buy a parking space in London, let alone a home. A lot of folks have had to take up to 8 or 9 x their salary to get a home, with the according repayments.

                  A two bed semi around here is around £450k as a minimum, so even with a stonking deposit of £100k, that would leave a £350k mortgage, which would have seen their mortgage being £1408 when the interest rates were around 1.55% (2019); when interest rates jumped to 5.94%, that takes their repayments up to £2242. I don't know about you, but if my outgoing jumped by around £800 a month pretty much overnight, I'd be struggling too. Let's also not forget that at the same time interest rates jumped, energy and fuel costs jumped... oh, and if they worked in London and had a wee frugal diesel car to get to work, chances are they had to fork out for a newer car too.
                   
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                  • pete

                    pete Growing a bit of this and a bit of that....

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                    A bus driver on 35k, I'm out of touch.
                    I was only on 23k when I retired 4 yrs ago.

                    Yes I get all that regarding housing but surely if those types of people are struggling what are the ones on lower wages doing.
                     
                  • ViewAhead

                    ViewAhead Head Gardener

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                    The housing market has got all out of sync with salaries ... and just building more is not the answer on its own.

                    Other bills have risen enormously. There is a line beyond which many people will start to struggle ... and essentials have gone beyond that in recent yrs.
                     
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                    • Fat Controller

                      Fat Controller 'Cuddly' Scottish Admin! Staff Member

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                      It would be a significant part of the answer if supply was going to keep up with demand, but the blunt truth is that it simply won't. Even Labour's own target is not possible to achieve (as we discussed on the run up to the elections) - yet another political lie:

                       
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                      • ViewAhead

                        ViewAhead Head Gardener

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                        Supply that is unaffordable is not going to help.
                         
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                        • pete

                          pete Growing a bit of this and a bit of that....

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                          They can sell them, they go like hot cakes around here.

                          If the price drops the builders will walk until it goes back up again, they can wait years and grab land and sit on it until the price and density is right.
                           
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                          • ViewAhead

                            ViewAhead Head Gardener

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                            Indeed. But it isn't solving the problem of affordability. They sell to then be rented. That means profits now and in the future get skimmed away from communities as locals are not accumulating assets. The current model is not working, which is why it is all at crisis point.
                             
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                            • pete

                              pete Growing a bit of this and a bit of that....

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                              How do you solve the problem of affordability.
                              Nobody who has a house wants the value to drop, especially those who have bought recently.

                              Personally I dont care if they do drop in value, but someone who has just taken out a mortgage isn't going to want the price to go down.
                              Its always been seen as an investment.
                               
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