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House Price Crash Forum


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About Jeremy424

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    HPC Poster
  1. Indeed. Was sceptical of those claiming to have 'bad backs', but for the past 5 years I have been having issues with mine with no injury as such (chronic and constant shooting/burning pains in lower back and down leg, but I work, and have not claimed and have never claimed benefits) I'm more careful about how I treat others. The problem is that there's no test as such to quantify the pain and its relation to how much you can/can't do. It also fluctuates so you just know that people are making judgments about you by just seeing you on a better day. Tbh some days you wish you'd just have a limb broken because at least it would heal rather than live with the constant, energy draining pain.
  2. Interesting. I had a similar experience. The papers we did (higher, mid and foundation) were also capped at certain grade boundaries and which you were entered for depended on end of year test results and (I kid you not) how many higher/lower books there were available. There was also some degree of favourtism as we were aware that some in the class were chosen to be taught in a slightly different way based on what the teacher thought they were capable of. The best 22 or so pupils got into the top group and tended to get put up for the higher papers and so forth down to the lowest ability who got enetered for mainly the foundation papers which were capped at 'D' I believe. I knew many who were quite capable but got arbitrarily capped by the system in place. I remember being given the mid level book and entered for the mid level paper (which you had to get 70% for a B I think). It is a bit of a self-fulfilling prophecy to give someone a mid level book and teach to a mid level standard. To a certain extent your final grade was determined by the teacher/system in place.
  3. Precisely. It's a game of managing you/our perception. In many cases the reason why the discount is so large is that it was never worth the asking price in the first place, rather than getting a good deal. To use a very apt analogy it's like feeling smug because you manage to get 30% off a house 'worth' £1.8m when 20 yrs ago it was sold for £250k.
  4. On that point, many jobs have stopped or reduced their premiums for working overtime. All part of what I like to call the shrinkflation of work pay and conditions.
  5. All the boomers I know have slap up meals at the local garden centre, take multiple holidays each year, can afford full-price cinema tickets (they don't even look at the special offers or free ticket deals), entertain at least once a month. I'm sure there are plenty of less well-off boomers, but compared to millenials and slightly older they seem to have it pretty good. I don't resent it, but it can be a bit odd talking to some of them as they sometimes take certain things for granted and look surprised when you tell them that you generally can't afford to do much other than work. The killer is precarious employment and the amounts being paid for accommodation by those in the younger demographic. The wages on offer just don't cut it if you want to amass wealth and wan't an independent life. You can either live with relatives and have a decent amount of disposable, or go it alone and see most of your hard-earned disappear into someone else's bank account.
  6. You could put it that way if by 'incentives' you mean an open position. I learned a long time ago that 'shortage' and willingness to employ are two different things. Usually, the people reporting the shortage are not the one's in charge of recruitment and budgets etc.
  7. True, but doesn't decreasing birth-rate among natives create a wonky demographic? More of the elderly with fewer tax generators to support them and therefore the need for more immigration?
  8. I think your suspicions are well-founded. I'm sure they asked them on the BBC yesterday. One of them said they couldn't get a job elsewhere that's why he was driving taxis for a living. I think it really is different this time as people can't seem to amass enough money (after living expense) to get into worthwhile careers or there is just too much competition. Despite low unemployment the truth is more towards underemployment.
  9. Indeed. There is no escape from the consequences of our collective actions. You suppress one group and there are various other iniquities created, some of which may not have been obvious at the time. The various bubbles and more extreme politics are just symptoms of a less productive economy and greed. We cannot have massive imagined wealth, be living longer, have the best national health care and load ever greater responsibility on younger age groups without paying enough for it. Debt doesn't really cut it I'm afraid. You don't get the best of anything by paying a middling price, even if that is a lot more than you are comfortable with.
  10. My impression and quick fiddle with the tax credit calculator was that as a single male you get nothing. So just out of interest what are the magic numbers that ensure you are a TC peon winner?
  11. The problem for higher education as with HPI is that once enough people get roped into the game it feeds on itself and creates greater problems. Whether a degree is really necessary becomes an irrelevance as you don't make it past the HR filter otherwise. It becomes a barrier to entry, but not in a good way where you can be assured of someone's ability. If you try to fight against this system you have some harsh winds against you that require a good amount of luck, resilience and increasingly, wealthy benefactors as a safety net. As you imply, the terms of the loan can be changed so I'd be wary of those celebrating whether it can be paid back in full. That isn't my main concern however, it's this increasing financialisation of everyday life that is squashing the life out of people.
  12. Hammer house price horror

  13. Yes, luxurious London ; launders your money whiter than white.
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