How can people be so greedy?

Benefits_Blagger

ixwood wrote: »

Well done blagger. I obviously didn't realise that. Why not stop the benefits and be a professional gambler then?

lol, there's something I never thought I'd be saying!

have thought about it, but its getting harder and harder all the time to make money from gambling as the various firms are wising up all the time.

i'm keeping my benefits, as they will effectively be my "pension" when i "retire" from gambling.

Poppycat

Neas have you given a shared ownership a thought, you dont always have to be a key worker. Yes they are pitfalls ie pay rent on the share, or they get a percentage on the value of what the government/lender owns if it should rise in value.

Its not all plain sailing having your own home, yes its nice to feel one day it yours, but also one day should you retire, end up ill or infirm, that asset may help fund your care fees.

It does anger me when people own more than one home particularly as a holiday home, many locals cant afford to live in the place they grow up.

I think the only solution is to build more affordable homes they also needs to be more decent flats, I dont mean the high rise monstrosities we had in the 1960's. Its a great shame for decades that councils have been unable to build more affordable homes

I do feel for you, I have kids myself who will in a few years be leave education. I love to help them myself as most parents would and some do, but I unfortunately cant unless I get a legacy which they can have

Andy_Hamilton

My sister is 4 years older than me, she went to uni and as a school leaver I had to work with her during the summer to bring her debts down enough for the next year (6K in 3 months was hard going working 6 days a week!) I went off and got an apprentiship so could not help the following years leaving her with larger loan to pay back.
For the last 10 years I have worked my !!!! off and made more money every year. This year she has just became chartered and she has for the first time been on more money than myself, student loan kicks in next year so i'll be equal for a few more years.

As for my lodger, more than 40K in debt. He's getting the use of my house for £270 a month.

My cusin is 20 days younger than me and makes dole money, there's nothing wrong with him and it has been offered to him loads of time.

Can I be one of the first on here to say THANK YOU to our parents? Mine worked harder than I do to make life comfortable, I remember the ballifs knocking on the door when things got too much!!
Now I'm embarrasssed to say that I'm on more money than both parents together but truly humbled by there efforts!

Lotus-eater

Benefits_Blagger wrote: »

yes, since being on benefits i have built up £100k bank balance through gambling, (free bets, casino bonuses, bad eways, trading on betfair etc).

i would never have achieved this is if i was still a mug and had a job, as i would not have had the time to devote myself to these activites.

I don't have any sort of problem with you making money while being on benefits, I hate your name and the way you rub it in by calling people who work mugs.

ixwood

Stay away from shared ownership IMO. it's just a way of extending the boom past it's normal sell by date and prolonging the inenvitable crash (that will let aloow you more house than you can dream of now assuming you job stays secure and you prepare for it)

Along with the 125%, 6 x income, NINJA mortgages that are now (thankfully) dissapearing of course.

It was all this extra easy credit that brought amount HPCers being wrong for 5 years and in the process crying wolf so many times, that some people are now oblivious to common sense.

Benefits_Blagger

Lotus-eater wrote: »

I don't have any sort of problem with you making money while being on benefits, I hate your name and the way you rub it in by calling people who work mugs.

take the poster above you, andy hamilton, look at his signature "mortgage £430 a month, lodger pays £270 of it, life is good"

that is typical of the attitude we have in this country, people having a smugness about the fact other people are paying for them. being on benefits is no different.

like i have said earlier in the thread i have only adopted this attitude myself, because it is what our society has become..

ixwood

Poppycat wrote: »

I think the only solution is to build more affordable homes they also needs to be more decent flats, I dont mean the high rise monstrosities we had in the 1960's. Its a great shame for decades that councils have been unable to build more affordable homes

It's not a supply issue, it is (/was) a cheap credit/speculation issue.

There is no shortgage of accomodation. Everyone I know lives somewhere. There's millions of empty new builds and millions more planned. People have property "portfolios" in the 100's. There a shortage of affordable houses for sale.

Now that the credit situation is changing, the affordabe house situation will change to.

And what's an afordable house? Can they really build then any smaller, cheaper or of lower quailty than they do now as standard?

Ecomnomics will make houses affordable again.

The millions of shoddy new build flats will be the social housing of the future imo.

redrabbit29

It's funny reading on pages 3 and 4 about the "Education ladder or the Career ladder", and also about attitudes of students, e.g. those studying some weird degree but have no idea what they want to do.

I think this is all due to the media/societies attitude and influence. Any 16 year old, or 18 year old who says "I'm not going to uni or college, I'm going to start work as an apprentice" has an element of failure about it. At least that's the way I view it, as I've experienced it myself.

I went to uni at 18, struggled and eventually left for another course. In the end I got a HND. However I regret my decision, uni was rubbish and a waste of money. The job I do now I could have got when I was a bit younger as it's regardless of qualifications.

ixwood

Haven't they been building high rise monstrosities for a decade now?

Andy_Hamilton

Benefits_Blagger wrote: »

take the poster above you, andy hamilton, look at his signature "mortgage £430 a month, lodger pays £270 of it, life is good"

that is typical of the attitude we have in this country, people having a smugness about the fact other people are paying for them. being on benefits is no different.

like i have said earlier in the thread i have only adopted this attitude myself, because it is what our society has become..

Hang on there, I can comfortably afford the house myself through my hard work. It take home just over £2K per month and my mortgage and bills work out under £700

The reason I have a lodger and typing on MSE is because I want to be comfortable for my future. I have a 3 bedroom new house and my lodger is sharing with me until he saves up enough for his own place, he has no ability to buy his own and renting the same standard of home would be over £700 per month. I'm not taking him for a lend and he's not taking me for a lend!!