House Prices, Interest Rates and Affordability

mbga9pgf

HAMISH_MCTAVISH wrote: »

So what. OAP's have paid far more into the system than you have in real terms.

You're coming across as a whiny spoiled brat who wants it all and wants it now.

Get a grip.

Compared to what I will pay over my lifetime, that is complete and utter horsesh*t hamish.

Go F*ck a roughneck.

mbga9pgf

sss555s wrote: »

I'm sure i've paid more in tax than you in the last year so where do you think mine is going? I contributed to there being a facility to help with your birth.:D But it's all about you, isn't it

What you have to realise is tax isn't a "donation". It's not your money. You pay that to have the privilege to live in the UK where standards are governed to be reasonable and fair.

And i can't be a***d looking for data to prove anything as i'm not that interested in your gripe.

So inother words, seeing as you cant be arsed to look up the data, you conced my point completely? And I am not sure about the tax thing either. 40% hurts.

I have n problem paying taxes. The issue I have is I am paying an unfair proportion of my taxes which I will never see any benefit, as it will be going to pay for the previous generations greed. Or are you too thick to see that.

HAMISH_MCTAVISH

mbga9pgf wrote: »

Compared to what I will pay over my lifetime, that is complete and utter horsesh*t hamish.

Check out tax rates 30 or 50 years ago. FAR higher than today.

These people have paid more in real terms than you ever will.

Go F*ck a roughneck.

You're such a charmer....

mbga9pgf

HAMISH_MCTAVISH wrote: »

Check out tax rates 30 or 50 years ago. FAR higher than today.

These people have paid more in real terms than you ever will.



You're such a charmer....

Want to point out the stage at which they had to pay off huge debts generated by their parents (IE PFI and pensions) that we will pay for?

sss555s

mbga9pgf wrote: »

Hamish, oh do F*ck off.

I'm in the same group as you.

Some folks just can't grow up.

silvercar

mbga9pgf wrote: »

Why did your ilk get to retire at 55 and mine will retire at something more like 80?
Wrong, I get to retire at 66.

Why is the average age of first time buyers now 37? To a large extent people are not ready to settle down until they are older. This means that theoretically they have longer to save a large deposit, but doesn't seem to happen.Why are first time buyers as a fraction of the market, accounting for only 100,000 transactions a year, the lowest they have EVER been? Inability to get a mortgage?

Your figures are wrong by the way. Go to http://www.nationwide.co.uk/hpi/historical.htm, download the first time buyers house prices to earnings ratios and see what your generation has done.... I earn comparably more that what my parents did at my age, I have saved for longer, put far more off than they ever did, yet still cant afford HALF the house they bought as a first home. I'm not talking averages. I was looking at my exact situation, the same jobs still exist and I can see the sort of salaries that they fetch. You presumeably are not playing to averages if you intend to use your large deposit and your "top 6%" earnings - pointless to compare you to burger !!!!!! when it comes to house buying.

You are blinded by your greed and smugness.

You still haven't pointed out how it is greedy to save and buy a home.

mbga9pgf

silvercar wrote: »

You still haven't pointed out how it is greedy to save and buy a home.

Expecting a 300% rise over 10 years then !!!!! and whine every time we suggest a 30% fall in prices would be a good thing( love to hear your POV on that by the way) is a pretty good start. A little acceptance that we are in a far worse situation would help, then stopping (or even apologising) for condacending comments about how we dont work hard enough, or dont save enough for our own little piece of England wouldnt go amiss.

Oh, perhaps if you all didnt have a two-faced opinion on restricting salary multiples (Oh, we dont need them, bad for house prices) whilst then commenting on how disgusting it is for us young uns to be in all this debt is...

Got to go.

sss555s

mbga9pgf wrote: »

The issue I have is I am paying an unfair proportion of my taxes which I will never see any benefit, as it will be going to pay for the previous generations greed. Or are you too thick to see that.

That's a bit ungrateful.

You do realise your better off than 90+% of the worlds population?


[STRIKE]Spoiled brat[/STRIKE] I bet your parents are really proud of you and looking forward to old age. :eek:

Mr.Brown_4

I'll throw a bit of fuel on everyone's fire...

House prices must surely fall, they are still closer to bubble territory than reality.

Everyone, with luck, will be 70 one day.

Just because someone's house has gone up in value does not make them a villain.

Old people have probably been tut tutting about the recent boom years as much as anyone.

We all pay, or paid, tax.

Unless you have no living, older, relatives then arguing for NHS treatment to stop at 70 seems a tad ridiculous.

The boom was caused by... no one really. !!!!!! happens. Bubbles form. Then they correct.

sss555s

Mr.Brown wrote: »

I'll throw a bit of fuel on everyone's fire...

House prices must surely fall, they are still closer to bubble territory than reality.

Everyone, with luck, will be 70 one day.

Just because someone's house has gone up in value does not make them a villain.

Old people have probably been tut tutting about the recent boom years as much as anyone.

We all pay, or paid, tax.

Unless you have no living, older, relatives then arguing for NHS treatment to stop at 70 seems a tad ridiculous.

The boom was caused by... no one really. !!!!!! happens. Bubbles form. Then they correct.

That's not fuel Mr.Brown.

That's common sense :beer: