Personal debt in Britain has reached £1.4tn
24 November 2013, 09:13 PM
#211
You can't compare the uk to the us unless (as Hodgy has rightly done) you compare all of the living costs. There is a different ethos and vibe to the us than in the uk, a get up and go and seize the opportunity that does not permeate British society.
Try living and working in the states like I have before you chastise me for this.
Try living and working in the states like I have before you chastise me for this.
Last edited by SJ_Skyline; 24 November 2013 at 09:14 PM.
24 November 2013, 09:20 PM
#213
Interesting point D,
Who should be responsible for healthcare costs - the individual requiring treatment or the taxpayer? Highly emotive as the individual may not be able to afford their treatment, likewise, the taxpayer might not be able to afford the burden of group treatment and thus the level if service is degraded due to affordability.
Who should be responsible for healthcare costs - the individual requiring treatment or the taxpayer? Highly emotive as the individual may not be able to afford their treatment, likewise, the taxpayer might not be able to afford the burden of group treatment and thus the level if service is degraded due to affordability.
24 November 2013, 09:30 PM
#214
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Can't agree more, and with Hodgy. It probably isn't just a modern phenomenon that nearing 40 I am seriously unimpressed with the attitudes and work ethic of most 20 year olds I come across, but it does appear from unemployment in this group that my contemporaries who want to employ them find a bunch of entitled wasters.
( but not all)
24 November 2013, 09:55 PM
#216
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My niece is one.
I think many are disillusioned due to the severe lack of opportunities. We, the older generation have let them down I think. When we were young we had proper apprenticeships that were all about training and education, with a guaranteed job at the end. What do they have now. Joke apprenticeships that are an excuse for cheap labour. Is it any surprise they don't feel motivated.
I think many are disillusioned due to the severe lack of opportunities. We, the older generation have let them down I think. When we were young we had proper apprenticeships that were all about training and education, with a guaranteed job at the end. What do they have now. Joke apprenticeships that are an excuse for cheap labour. Is it any surprise they don't feel motivated.
24 November 2013, 10:15 PM
#217
Too many good years of. Buy now pay later.. Or not as the case seems to be now. When I turned 18 which was 10 years ago the banks were bending backwards to give me loans, over drafts, credit cards, you name it I could get it. Finance on a £10,000 golf mk4 gti then being young at the time I was more than happy to spend spend spend without realising how much debt I was getting into. Now 10 years on I'm still paying back what I spent. Chances of a mortgage are slim since I lived off credit for so many years.
Now I won't even take a phone contract out, pay upfront for anything i need and I'll never go back to being in debt. Really the bank should of realised a 18 year old who was getting 150 a week should not be given a 12k overdraft. 14k credit card and A 10k loan. But hey that was before it all went **** up..
Now I won't even take a phone contract out, pay upfront for anything i need and I'll never go back to being in debt. Really the bank should of realised a 18 year old who was getting 150 a week should not be given a 12k overdraft. 14k credit card and A 10k loan. But hey that was before it all went **** up..
24 November 2013, 11:02 PM
#218
My niece is one.
I think many are disillusioned due to the severe lack of opportunities. We, the older generation have let them down I think. When we were young we had proper apprenticeships that were all about training and education, with a guaranteed job at the end. What do they have now. Joke apprenticeships that are an excuse for cheap labour. Is it any surprise they don't feel motivated.
I think many are disillusioned due to the severe lack of opportunities. We, the older generation have let them down I think. When we were young we had proper apprenticeships that were all about training and education, with a guaranteed job at the end. What do they have now. Joke apprenticeships that are an excuse for cheap labour. Is it any surprise they don't feel motivated.
They have a sense of entitlement bred in by Hello magazine and the X-Factor. I've seen precious little work ethic in the young guys we've taken in, and sadly as a result we're moving our manufacturing overseas.
If you make a population dependent on the state then the poulation will increasingly become dependent on the state and wealth generation will move a place where the state is less imposing. Hard on the guys out of work but then surely the state will look after them...
24 November 2013, 11:04 PM
#219
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No.
They have a sense of entitlement bred in by Hello magazine and the X-Factor. I've seen precious little work ethic in the young guys we've taken in, and sadly as a result we're moving our manufacturing overseas.
If you make a population dependent on the state then the poulation will increasingly become dependent on the state and wealth generation will move a place where the state is less imposing. Hard on the guys out of work but then surely the state will look after them...
They have a sense of entitlement bred in by Hello magazine and the X-Factor. I've seen precious little work ethic in the young guys we've taken in, and sadly as a result we're moving our manufacturing overseas.
If you make a population dependent on the state then the poulation will increasingly become dependent on the state and wealth generation will move a place where the state is less imposing. Hard on the guys out of work but then surely the state will look after them...
25 November 2013, 09:08 AM
#220
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My niece is one.
I think many are disillusioned due to the severe lack of opportunities. We, the older generation have let them down I think. When we were young we had proper apprenticeships that were all about training and education, with a guaranteed job at the end. What do they have now. Joke apprenticeships that are an excuse for cheap labour. Is it any surprise they don't feel motivated.
I think many are disillusioned due to the severe lack of opportunities. We, the older generation have let them down I think. When we were young we had proper apprenticeships that were all about training and education, with a guaranteed job at the end. What do they have now. Joke apprenticeships that are an excuse for cheap labour. Is it any surprise they don't feel motivated.
25 November 2013, 11:00 AM
#221
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No.
They have a sense of entitlement bred in by Hello magazine and the X-Factor. I've seen precious little work ethic in the young guys we've taken in, and sadly as a result we're moving our manufacturing overseas.
If you make a population dependent on the state then the poulation will increasingly become dependent on the state and wealth generation will move a place where the state is less imposing. Hard on the guys out of work but then surely the state will look after them...
They have a sense of entitlement bred in by Hello magazine and the X-Factor. I've seen precious little work ethic in the young guys we've taken in, and sadly as a result we're moving our manufacturing overseas.
If you make a population dependent on the state then the poulation will increasingly become dependent on the state and wealth generation will move a place where the state is less imposing. Hard on the guys out of work but then surely the state will look after them...
25 November 2013, 11:52 AM
#222
I see many young people in my working life and most of them are fine.
The same applies to friends of my children.
I'm not going to base my opinions on the few idiots who hang around on Street corners or who appear on Tabloid TV programmes.
IMO - these people are not a representative sample.
TBF - the welfare state does have a lot to answer for.
When I hear the terminally naive stating that it is one of the greatest achievements of modern Britain - well I find it hard not to laugh out loud.
I have a degree of optimism when it comes to human nature in this regard.
I fervently hope that the system is not capable of crushing the kernel of aspiration / self realisation that we are all born with.
The same applies to friends of my children.
I'm not going to base my opinions on the few idiots who hang around on Street corners or who appear on Tabloid TV programmes.
IMO - these people are not a representative sample.
TBF - the welfare state does have a lot to answer for.
When I hear the terminally naive stating that it is one of the greatest achievements of modern Britain - well I find it hard not to laugh out loud.
I have a degree of optimism when it comes to human nature in this regard.
I fervently hope that the system is not capable of crushing the kernel of aspiration / self realisation that we are all born with.
25 November 2013, 11:59 AM
#223
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I see many young people in my working life and most of them are fine.
The same applies to friends of my children.
I'm not going to base my opinions on the few idiots who hang around on Street corners or who appear on Tabloid TV programmes.
IMO - these people are not a representative sample.
TBF - the welfare state does have a lot to answer for.
When I hear the terminally naive stating that it is one of the greatest achievements of modern Britain - well I find it hard not to laugh out loud.
I have a degree of optimism when it comes to human nature in this regard.
I fervently hope that the system is not capable of crushing the kernel of aspiration / self realisation that we are all born with.
The same applies to friends of my children.
I'm not going to base my opinions on the few idiots who hang around on Street corners or who appear on Tabloid TV programmes.
IMO - these people are not a representative sample.
TBF - the welfare state does have a lot to answer for.
When I hear the terminally naive stating that it is one of the greatest achievements of modern Britain - well I find it hard not to laugh out loud.
I have a degree of optimism when it comes to human nature in this regard.
I fervently hope that the system is not capable of crushing the kernel of aspiration / self realisation that we are all born with.
I would agree with John to be honest, most of the youngsters I meet nowadays are morons who have a mega high opinion of themselfs.
25 November 2013, 01:27 PM
#225
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25 November 2013, 01:49 PM
#227
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Too many good years of. Buy now pay later.. Or not as the case seems to be now. When I turned 18 which was 10 years ago the banks were bending backwards to give me loans, over drafts, credit cards, you name it I could get it. Finance on a £10,000 golf mk4 gti then being young at the time I was more than happy to spend spend spend without realising how much debt I was getting into. Now 10 years on I'm still paying back what I spent. Chances of a mortgage are slim since I lived off credit for so many years.
Now I won't even take a phone contract out, pay upfront for anything i need and I'll never go back to being in debt. Really the bank should of realised a 18 year old who was getting 150 a week should not be given a 12k overdraft. 14k credit card and A 10k loan. But hey that was before it all went **** up..
Now I won't even take a phone contract out, pay upfront for anything i need and I'll never go back to being in debt. Really the bank should of realised a 18 year old who was getting 150 a week should not be given a 12k overdraft. 14k credit card and A 10k loan. But hey that was before it all went **** up..
25 November 2013, 02:02 PM
#228
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No one in this day and age are responsible for their own actions anymore, everything is someone elses fault.
25 November 2013, 02:09 PM
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25 November 2013, 02:32 PM
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25 November 2013, 07:40 PM
#232
25 November 2013, 07:50 PM
#233
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25 November 2013, 08:05 PM
#234
And the irony is, the big US law firms are all massively scaling back operations, with most of them now working out of single floors of prime downtown addresses, where they would have taken up the entire building before.
The Last Days of Big Law
The Last Days of Big Law
25 November 2013, 09:45 PM
#236
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Apparently not, they just need to imitate the worthy examples of adult professionals and BTL landlords. If they don't then it's their own miserable failure. Our responsibility to them consists in simply providing 'inspiration'; ideal images for them to copy themselves by. Then we sit in judgment on a task we secretly set them but take no responsibility for ourselves.
25 November 2013, 09:53 PM
#237
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Nearly everything I do has a monetary value in terms of earning or consumption. If you have a hang up about money you might have difficulty with this, but I don't get too hysterical about these things. I am rather keen on money, and not scared to admit it and am not ashamed of it. How about you?
I'm not asking you to be ashamed of money but don't try and universalise YOUR values - It's conservative and authoritarian.
25 November 2013, 09:55 PM
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25 November 2013, 10:05 PM
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I'm not sure that warrants condemning people because they don't do anything 'useful' - in the narrow sense that YOU define 'use' value by 'exchange' value or cash equivalence if you like.
I'm not asking you to be ashamed of money but don't try and universalise YOUR values - It's conservative and authoritarian.
I'm not asking you to be ashamed of money but don't try and universalise YOUR values - It's conservative and authoritarian.
25 November 2013, 10:12 PM
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I can see both sides of this, as an employer I see first hand how so many youngsters just can't be arsed with anything and have no ambition at all.
But then things are very different now, when I was 17-19 all I wanted was to better myself so I could get a nicer, faster car. When I got that out of my system at 20 I wanted to buy my first house etc. I left school with no qualifications but still achieved my goals.
There's little point in the youth of today aiming for a better car as they can't afford to insure it, houses are also out of reach for all but the very well paid so that's out too. Most of their focus then switches to something achievable which is most probably just a better phone, tablet etc.
Don't get me wrong, the opportunities are still there for someone who has the required skills to be an entrepreneur or the level of intelligence to be a solicitor, accountant, doctor etc. But the rest just seem lost in the system with nothing to aspire to.
But then things are very different now, when I was 17-19 all I wanted was to better myself so I could get a nicer, faster car. When I got that out of my system at 20 I wanted to buy my first house etc. I left school with no qualifications but still achieved my goals.
There's little point in the youth of today aiming for a better car as they can't afford to insure it, houses are also out of reach for all but the very well paid so that's out too. Most of their focus then switches to something achievable which is most probably just a better phone, tablet etc.
Don't get me wrong, the opportunities are still there for someone who has the required skills to be an entrepreneur or the level of intelligence to be a solicitor, accountant, doctor etc. But the rest just seem lost in the system with nothing to aspire to.