Moral Hazard & Fairness - Housing

amcluesent

>either I see a different society to you<

Here's a suggestion. Have a peek inside a Tesco and observe tub'o'lard Mam and tattoed Dad exaggeratedly leaning on his stick, plus assorted wailing ferals pile the trolley high, pay cash, then all jump into a taxi to take them back to the council house. These people are 'poor'. Poor my ar*e!

Cleaver

amcluesent wrote: »

>either I see a different society to you<

Here's a suggestion. Have a peek inside a Tesco and observe tub'o'lard Mam and tattoed Dad exaggeratedly leaning on his stick, plus assorted wailing ferals pile the trolley high, pay cash, then all jump into a taxi to take them back to the council house. These people are 'poor'. Poor my ar*e!

I do see all that. It just doesn't really make me quite so angry as it does you, and it certainly doesn't move me enough to log on to an internet forum to moan about it.

And I don't shop at Tesco. Our local Morrisons doesn't really have many of those people though, most of them seem quite nice, normal, working people. Like the majority of the population I guess. I imagine you look out for these people more than me though.

Exocet

amcluesent wrote: »

>either I see a different society to you<

Here's a suggestion. Have a peek inside a Tesco and observe tub'o'lard Mam and tattoed Dad exaggeratedly leaning on his stick, plus assorted wailing ferals pile the trolley high, pay cash, then all jump into a taxi to take them back to the council house. These people are 'poor'. Poor my ar*e!

How do you know they are on benefits or live in a council house? Do they discuss it while shopping "ooh lets have some of that lard - we can afford it on our benefits" or when they hail the taxi does the dad say "to the council estate my good man". Just puzzled and a bit concerned in case you were to clock me and mistake me for a man of no apparent income, I don't scrub up too well.

Broken_hearted

Wookster wrote: »

I would argue that anyone under the age of 21 who has children should be living with their parents.

That has to be the stupidest thing I have heard on MSE. People can work and be married from the age of 16, anyone self supporting can live wherever they please.

amcluesent

>How do you know they are on benefits or live in a council house?<

Simples. By stereotyping/profiling

Mam - fat, synthetic items from Primark, speech almost indecipherable, bellowing at wains to 'shut it!', bling jewellery from Bid TV
Dad - fat, balding, (possibly prison) tattoos, grubby Engermerlund! shirt, theatrical use of stick in case IB inspector is about
Wains - fat, many, baby screams non-stop, older ones shoplifting where they can, eat sweets off the shelves, running amok, F-word used profusely, pre-teen girls have 'boy toy' in silver on pink T-shirt.

After filling trolley, will have bought several lottery tickets plus many packs of cheapest cigs.

Cleaver

amcluesent wrote: »

>How do you know they are on benefits or live in a council house?<

Simples. By stereotyping/profiling

Mam - fat, synthetic items from Primark, speech almost indecipherable, bellowing at wains to 'shut it!', bling jewellery from Bid TV
Dad - fat, balding, (possibly prison) tattoos, grubby Engermerlund! shirt, theatrical use of stick in case IB inspector is about
Wains - fat, many, baby screams non-stop, older ones shoplifting where they can, eat sweets off the shelves, running amok, F-word used profusely, pre-teen girls have 'boy toy' in silver on pink T-shirt.

After filling trolley, will have bought several lottery tickets plus many packs of cheapest cigs.

I do hope no one on here is steroetyping / profiling you. God knows what they'd come up with.

Exocet

I get the basic chav description, but not sure how you connect that with benefits and a council house. They might both be working, or maybe connected to the royals in some way. They might even be BTL landlords or run some other type of business that allows free time to spend with their kids and shopping.

Next time I think you should ask them "are you on benefits and do you live in a council house" before posting your anecdotal. Or follow the taxi and check out their waste bins.

IveSeenTheLight

michaels wrote: »

Can't say I agree - surely it is more like buildings insurance, everyone pays it in case their house burns down but of course most people's don't - no one expects their premiums back when they sell the house if they have never made a claim.

I'm not likening it to an insurance policy. An insurance premium is you pay a small amount to cover a much larger amount.

What I was implying in essense was forced savings, with restrictions on withdrawels (only if unemployed / retired).

Imagine having to put away something like 10% of your salary each month.
After 10 months, you have a full months salary (plus interest) that you can fall back on in tough times.
Work for 5 years and you have a full 6 months salary,

The bonus is that whatever you don't use throughout your working life becomes available upon retirement (it is your money after all)

A similar thing I'll be doing is charging my children rent when they start working. I'll take the money and put it away somewhere safe.

The plan would be that at some point in their lifetime, I will return this investment although they will never know this up front.

IveSeenTheLight

leveller2911 wrote: »

The problem I see arising is future Governements keeping their greasy mits off my "Slush fund".

There is a big problem of trust, or lack of.I don't think governments realise what damage is done when trust is lost from dipping into pension funds.

True, but the governemnt does not need to have access.
The Tenancy Deposit Scheme is an example where money is safegaurded and returned at a later point.

I do not believe the governments have access to the TDS's

SingleSue

amcluesent wrote: »

>How do you know they are on benefits or live in a council house?<

Simples. By stereotyping/profiling

Mam - fat, synthetic items from Primark, speech almost indecipherable, bellowing at wains to 'shut it!', bling jewellery from Bid TV
Dad - fat, balding, (possibly prison) tattoos, grubby Engermerlund! shirt, theatrical use of stick in case IB inspector is about
Wains - fat, many, baby screams non-stop, older ones shoplifting where they can, eat sweets off the shelves, running amok, F-word used profusely, pre-teen girls have 'boy toy' in silver on pink T-shirt.

After filling trolley, will have bought several lottery tickets plus many packs of cheapest cigs.

By your profiling then....you would get us completely wrong!

All children very polite, no swearing heard at all and helpful to other shoppers.
No dad with us but when he was, yes he was bald but that was more to do with male pattern baldness than anything else...no tattoos.
Children are not allowed to eat anything until we have paid for them.
Children are not allowed to run amok, I am very strict on this.
My speech extremely clear and (I hate to admit this, but I have the fun taking out of me for it) quite posh....I also don't shout, my behaviour rules means I don't have to.
No 'bling' in evidence anywhere, I don't wear any at all, not even a watch.

By your profile, I would probably be middle class and working whilst living in an owner occupied house!