General Election Is On

[Cryssys]

The people today have genuinely never had it so good. Seriously, find yourself a 90 year old and ask them what they had to go through, what they had to do without when they were children.

Written like the blinkered, sold out, old man you are. Every generation says that and all you've done is prove just how out of touch you are with the realities of modern life.

[ClaretAndJew]

How about getting a cheaper phone, cutting out netfilx, not buying £3 coffee's. I managed to, bought my first house at 24.

It's £1231 a month before tax on minimum wage.
In Burnley say that per month:

Rent £400
Council tax £108 (for Band A properties)
Gas and electricity £70 AVERAGE.
TV license £13
Bus pass £25
Mobile phone or some kind of communication £15 if it's not a new phone
Food AVERAGE £120

That's before anything else I've missed off, £700+ on a basic existence without socialising.

[AndyClaret]

17 point lead, BOOM !

[Imploding Turtle]

It's £1231 a month before tax on minimum wage.
In Burnley say that per month:

Rent £400
Council tax £108 (for Band A properties)
Gas and electricity £70 AVERAGE.
TV license £13
Bus pass £25
Mobile phone or some kind of communication £15 if it's not a new phone
Food AVERAGE £120

That's before anything else I've missed off, £700+ on a basic existence without socialising.

What bus pass you using that only costs £25 a month?

[Spijed]

How about getting a cheaper phone, cutting out netfilx, not buying £3 coffee's. I managed to, bought my first house at 24.

Doesn't make a blind bit of difference if you live in the South East.

[AndyClaret]

It's £1231 a month before tax on minimum wage.
In Burnley say that per month:

Rent £400
Council tax £108 (for Band A properties)
Gas and electricity £70 AVERAGE.
TV license £13
Bus pass £25
Mobile phone or some kind of communication £15 if it's not a new phone
Food AVERAGE £120

That's before anything else I've missed off, £700+ on a basic existence without socialising.

I rented a 2 bed dive off Gannow Lane for 280 a month in order to save a deposit.

[ClaretAndJew]

What bus pass you using that only costs £25 a month?

https://www.plusbus.info/burnleymrd" onclick="window.open(this.href);return false;

Though I have no Idea about public transport.

[ClaretAndJew]

I rented a 2 bed dive off Gannow Lane for 280 a month in order to save a deposit.

In what decade?

[Cryssys]

So 40% claim they intend to vote Tory. Not even close to half the country. What percentage voted to remain?

[Lancasterclaret]

17 point lead, BOOM !

Just change your name to "Selectivepollclaret" already

[AndyClaret]

That's the problem. Spending £7/month on Netflix is why people can't save up £10k for a deposit.



You're so full of ******* ****, Andy.

Did i say just netflix dipsh1t ?, i did it, it can be done if you cut your cloth.

[Imploding Turtle]

It's £1231 a month before tax on minimum wage.
In Burnley say that per month:

Rent £400
Council tax £108 (for Band A properties)
Gas and electricity £70 AVERAGE.
TV license £13
Bus pass £25
Mobile phone or some kind of communication £15 if it's not a new phone
Food AVERAGE £120

That's before anything else I've missed off, £700+ on a basic existence without socialising.

See? It's easy. If you just refuse to do anything except go to work and don't socialise at all, then in just 26 months you can have a £10,000 deposit. Who needs to have friends or a family anyway?

[AndyClaret]

HOUSE!

Come off it Andy, not even the thickest of the thick go down that road.

It's all about priorities, like i said, i rented a 2 bed dive off Gannow Lane in order to save up, no flashy new car on PCP.

[AndyClaret]

Just change your name to "Selectivepollclaret" already

I've posted all three polls today, do keep up.

[Imploding Turtle]

Did i say just netflix dipsh1t ?, i did it, it can be done if you cut your cloth.

oh, yea. You told people to have cheaper phones too. Because spending 100 on a phone instead of £150 or £200 every two years is what's going to really boost your deposit balance.

And who they **** on the minimum wage is spending £3 on a coffee? You made that up.

You haven't got a ******* clue.

[ClaretAndJew]

See? It's easy. If you just refuse to do anything except go to work and don't socialise at all, then in just 26 months you can have a £10,000 deposit. Who needs to have friends or a family anyway?

Those figures are just averages too. Doesn't take into account loads of other things like dentist or eye care or any other stuff you have to pay for.

If your boiler packs in you're back to square one.

[AndyClaret]

In what decade?

The last decade, just checked on rightmove, you can get one for 325 a month.

[Colburn_Claret]

You really think it's a good idea to have zero public funding for railways? Really? These things travel at over 100mph on metal strips and sometimes carry hundreds or people. Do you REALLY think the private sector can be trusted like that?

And if they can be trusted, why can't they be trusted to run and fund 100% of our healthcare?

What about roads? Why should railways be 100% privately owned and funded but not roads?

you need to change your medication

[AndyClaret]

oh, yea. You told people to have cheaper phones too. Because spending 100 on a phone instead of £150 or £200 every two years is what's going to really boost your deposit balance.

And who they **** on the minimum wage is spending £3 on a coffee? You made that up.

You haven't got a ******* clue.

Look, just because you still live in your mums back bedroom don't take it out on me.

[Lancasterclaret]

It's all about priorities, like i said, i rented a 2 bed dive off Gannow Lane in order to save up, no flashy new car on PCP.

So?

My first house cost me £35000

My salary was £20000

Good luck with that now

[android]

for two years before the last election the tories had been calling him a jew-hating, terrorist sympathiser who was a threat to national security, and you think that May didn't campaign against him? p*ss off.

There's only so many times the Tories can tell the same lies about him. They're gonna have to come up with some new ones this time. Maybe they can smear his parents, or criticise how he eats a sandwich, while ignoring Boris' long history of lying and cheating.

The problem isn't that they were lies about Corbyn. Jew hating is a bit strong and I haven't seen it put like that but terrorist sympathiser is just stating the obvious. The problem was that young people were just not interested in the distant past like the IRA stuff. Perhaps his abject failure to deal with anti-Semitism will have resonated a bit more with the young.

Polls going to be volatile I suspect and I just hope the tactical voters for Corbyn last time realise the risk is real that we could end up with him as our PM.

[AndyClaret]

So?

My first house cost me £35000

My salary was £20000

Good luck with that now

And what interest rate did you pay ?

[Imploding Turtle]

you need to change your medication

I'm applying your extremist neoliberal attitude to other infrastructure, so really you're the one who needs to change his medication.


Are you going to explain to me why you think a 100% privately owned and funded railway infrastructure and service is a good idea?
And if it's a good idea for rail then why don't you believe that would be a good idea for our health service?

Or are you just going to avoid the questions because you know you can't answer them?

[Lancasterclaret]

And what interest rate did you pay ?

Jesus, now there is a question!

I genuinely can't remember, but it was an endowment mortgage to start with (soon sacked that off!) and that a repayment one.

[GodIsADeeJay81]

There are ways and means to save for deposits.

My sister did it in 5 years and that's in Berkshire, she's just sold up and moved into a bigger, more expensive house.
She was renting a house at the time when she was saving up, just lived a more frugal lifestyle with her fella.

Other people move into their parents house for the short term etc.
It certainly isn't easy, but yeah it's doable even now, just not for everyone.

Owning a house isn't the be all and end all in life though, renting is the preferred option for lots of people, private or social housing.

New builds are generally poorly built, beset with problems and over priced.
Older houses are also now overpriced as a result.

[AndyClaret]

Jesus, now there is a question!

I genuinely can't remember, but it was an endowment mortgage to start with (soon sacked that off!) and that a repayment one.

I bet it was 7% plus then.

[Imploding Turtle]

So?

My first house cost me £35000

My salary was £20000

Good luck with that now

Yeah, but that was before Netflix. If you'd had Netflix then you'd be on the street right now.

[Lancasterclaret]

I bet it was 7% plus then.

You've got me interested now, I'm going to plow through some paperwork to try to find it!

[Erasmus]

Android, Corbyn may have sympathathised with causes that others used terrorist acts to try to achieve, but that is not the same as sympathising with terrorists. I strongly sympathise with the aims of the Palestinians and the Catholic community in Northern Ireland in terms of their acquiring justice and equal rights, so does that mean I sympathise with terrorists? These distinctions are vitally important when it so easy to throw out cheap slurs, Daily Mail style.

[AndyClaret]

You've got me interested now, I'm going to plow through some paperwork to try to find it!

just google historic interest rates if you know the year.

[Lancasterclaret]

1996 I think

But even if interest rates were higher, the cost of housing to wages was still ridiculously favourable compared to now.

[AndyClaret]

Leader ratings.

[ClaretAndJew]

Me mam bought her house for 8k in 1987 and earned £6k a year roughly.

[Colburn_Claret]

What about trying to get on the property ladder?
What about having to pay to go to university?

And the older generation had generous final salary pension schemes to fall back on.

I know its harder for my kids to buy a house than me, but at least they can. My parents never had the opportunity or the money. So comparing the difficulty with the never being able to afford it is just sucking on lemons.
The same with University. Most of our parents never had the opportunity to go to Uni, it was a privilege for the rich. My dad came from Hassy, had 5 brothers, all very clever people, but only one went to grammar school, because they couldn't afford to send any more. University loans are a great boon, not perfect, but they allow anyone to go to Uni. What you pay back from your loan is linked to your income post graduation, so those who earn less, pay little back.
As for pensions it's difficult. People are living longer, and the number of people claiming pensions grows year on year, the costs will therefore increase expotentially. It's a question of meeting the requirements without bankrupting the public coffers. Making people take out personal pension plans, is just spreading throughout the country what was only available to the well off, to enhance your own pension fund on retirement. It will hopefully mean that the country can still give pensions to those who have never contributed throughout life.
The only other alternative is to bang out kids to keep up with the exponentially growing oaps, as suggested by IT on another thread. What we do when the country is full I don't know, he never told me.

[AndyClaret]

1996 I think

But even if interest rates were higher, the cost of housing to wages was still ridiculously favourable compared to now.

Base rate was 6% in 1996, it went as high as 5.75% in July 2007 when i had my first house.

[AndyClaret]

Me mam bought her house for 8k in 1987 and earned £6k a year roughly.

Base rate was 11% in 87.

[Imploding Turtle]

Leader ratings.

Again, this isn't something we didn't see in 2017, and that went awfully for the Tories.

You get too excited by too few polls, Andy. You were giddy in April/May because the BXP were leading westminster voting intention polls, and i warned you that you shouldn't get so excited by so few polls. Have you not learned yet?

[AndyClaret]

Again, this isn't something we didn't see in 2017, and that went awfully for the Tories.

Corbyns wasn't -60 in 2017, difficult to see how he pulls that back. He has the worst ratings of any opposition leader since records began.

[Cryssys]

"costs will therefore increase expotentially. "
"to keep up with the exponentially growing oaps"

Do you have any understanding of what exponential really means?

[Colburn_Claret]

1996 I think

But even if interest rates were higher, the cost of housing to wages was still ridiculously favourable compared to now.

The government have schemes, especially for first time buyers and on new builds. It seems strange that we are arguing about how difficult it is to buy your own home when you are young, which I agree is a problem, when the original argument was that our forebears didn't have the opportunity, not just a difficulty, in buying their own home.
I don't want to belittle the issue by getting pedantic, because it is a genuine problem for genuine people, but as the Netflix jibe points out, how many things do we pay for that we could get along without. Mobiles, Sky, Internet, CIGARETTES, alcohol. It all adds up.
I once worked with a bloke who he and his wife both smoked 60 fags a day. This was 12 years ago. I think I worked it out that they were paying £750 a month on cigarettes. You could have bought a bloody mansion for that kind of money around here, at that time.
I had to do without a lot of things whilst paying my mortgage, including going on t'Turf, but sometimes that's what you have to do if you can see the bigger picture.
P.S. in 1985, when I bought my house, interest rates were 15%

[Colburn_Claret]

Do you have any understanding of what exponential really means?

more and more rapidly.

no need to thank me, it's a pleasure.

[Cryssys]

more and more rapidly.

no need to thank me, it's a pleasure.

I didn't think you did and now you've just proved it. Try looking things up before using words you don't understand.

My pleasure.

[Imploding Turtle]

Corbyns weren't -60 in 2017, difficult to see how he pulls that back. He has the worst ratings of any opposition leader since records began.

We'll see, won't we? But as i pointed out in my edit, you have a habit of focusing too much on single polls and don't seem to understand or care about the possibility for changes to occur.

Earlier this year you were excited by BXP's poll numbers, i pointed out that they were only so high because of the publicity and the EU elections. Where are their numbers now that their campaign hype has gone? You also don't seem to recognise that the Remain vote is fragmented while the Leave vote is concentrated to almost entirely the Tories. That matters too.

Labour and Corbyn will benefit from the next 6 weeks of campaigning. Don't be surprised if Labour's numbers climb, or if the Tory numbers fall.

It really depends on how the election is viewed by the voters though. If the Tories can make it entirely about Brexit then they'll keep close to their vote share last time, maybe a few percent more. but if Labour and the Lib Dems can make it about everything else as well then I expect another hung parliament. My concern here is that the Lib Dems might help the Tories make the GE all about Brexit, because Brexit has been the whole reason the Lib Dems are at 20% right now (because of their pro-Remain stance and because of Labour/Corbyn's equivocation about being pro-Remain).

The Tories will have the most seats after this election, i'm almost certain of that. But if they only get 35% of the vote and Labour and Lib Dems combined can get over 50% then we might not see a Tory PM coming out of it. And think about it, which party leader has the most room for improvement right now? And which party leader is on a high right now but is prone to gaffes?

This election might not go as you expect, Andy.

[aggi]

HOUSE!

Come off it Andy, not even the thickest of the thick go down that road.

Nah, line. No mention of big TVs.

[AndyClaret]

We'll see, won't we? But as i pointed out in my edit, you have a habit of focusing too much on single polls and don't seem to understand or care about the possibility for changes to occur.

Earlier this year you were excited by BXP's poll numbers, i pointed out that they were only so high because of the publicity and the EU elections. Where are their numbers now that their campaign hype has gone? You also don't seem to recognise that the Remain vote is fragmented while the Leave vote is concentrated to almost entirely the Tories. That matters too.

Labour and Corbyn will benefit from the next 6 weeks of campaigning. Don't be surprised if Labour's numbers climb, or if the Tory numbers fall.

It really depends on how the election is viewed by the voters though. If the Tories can make it entirely about Brexit then they'll keep close to their vote share last time, maybe a few percent more. but if Labour and the Lib Dems can make it about everything else as well then I expect another hung parliament. My concern here is that the Lib Dems might help the Tories make the GE all about Brexit, because Brexit has been the whole reason the Lib Dems are at 20% right now (because of their pro-Remain stance and because of Labour/Corbyn's equivocation about being pro-Remain).

The Tories will have the most seats after this election, i'm almost certain of that. But if they only get 35% of the vote and Labour and Lib Dems combined can get over 50% then we might not see a Tory PM coming out of it. And think about it, which party leader has the most room for improvement right now? And which party leader is on a high right now but is prone to gaffes?

This election might not go as you expect, Andy.

I expect the Lib Dems to take enough Labour votes, that it will give the Tories a working majority.

[aggi]

You really think it's a good idea to have zero public funding for railways? Really? These things travel at over 100mph on metal strips and sometimes carry hundreds or people. Do you REALLY think the private sector can be trusted like that?

And if they can be trusted, why can't they be trusted to run and fund 100% of our healthcare?

What about roads? Why should railways be 100% privately owned and funded but not roads?

I believe the answer is because Colburn uses roads but not trains.

[Imploding Turtle]

I expect the Lib Dems to take enough Labour votes, that it will give the Tories a working majority.

Would that sound like the "will of the people" to you?

but like i said, it might not go as you expect.

[Imploding Turtle]

I believe the answer is because Colburn uses roads but not trains.

"Socialism for me but not for thee"

[Dy1geo]

40 hours at £8.21 minimum wage equates to a monthly take home pay of £1262 a month, if you assume £450 for Rent, Council Tax at £80 for a single person and £120 for Utilities it leaves £612 to pay for food, to run a car or pay for public transport, there is not a lot left to then save for a deposit for a house if you are a single person.

You have to offer people a vision out of this just existing cycle, money should be spent on adult education and retraining as they are ultimately the way out of that low income cycle. When the old industries closed people were left on the industrial scrap heap chasing an ever decreasing number of low paid unskilled jobs. But I get the impression that the Tories won’t fund it on cost reasons and Labour won’t because it suits the to keep their electoral base poor.

[JohnMcGreal]

You have to hand it to Johnson, he’s got some front going to the country to ask them for five more years of power for his party, considering the absolute state they’ve left it in after almost a decade of their governance. The arrogance and entitlement on display is breath-taking.

With a bit of luck, he's completely misjudged the mood of the country, and people will rightly tell him and his party to ‘get stuffed’ (to use Johnson’s own words).