Bending the news (First time buyers)

6 Aug 2011

My local radio today joyfully reported that 48% of buyers can now afford a first time mortgage. This was based on Property values vs the national average wage. Two problems with this. First the national average wage is not what the average people actualy earn as its distorted by high earners. Not sure on the exact figure but most of the coutry earn under the natinal average. Second that still means 52% that cant afford one and thats before you adjust the figure for incorrectly assuming most people earn the average.
Still looks like a gloomy time to be a first time buyer to me sad

Maybe getting better but nothing to celebrate yet unless you really do like being in that much debt. Glad I bought 10 years ago thats for sure.

6 Aug 2011

Well spotted Tweeky.
Heres a graph that may be of interest.

6 Aug 2011

Glass half empty

6 Aug 2011

I'm not a half empty half full kinda guy, I am more inclined to think the glass is the wrong size eh?

6 Aug 2011

Quote by Ben_Minx
I'm not a half empty half full kinda guy, I am more inclined to think the glass is the wrong size eh?

Thought you always drank straight from the bottle Ben?! drinkies

6 Aug 2011

The graph is very interesting Ben as you say. As one responder has said, you need to measure this against the average 'household' income, not in isolation as the report suggests.
From as long ago as over 35 years ago, both salaries were taken into account but this report seems somewhat biased, basing it assumptions against a single income.
The whole ethos of keeping up with the Jones' with a nice car, nice house etc is doing nothing to reflect the true circumstances.
We always 'punched above our weight' with house purchases. As we were both 'salaried' before starting our own business, it was a strategy which paid off. Just fewer visits to the nice fancy restaurants and glitzy bars in order to pay the mortgage.

6 Aug 2011

When I bought my house in 2000 the price was 57k. Three years previous a friend of mine bought an identical house in the same neighbourhood at 42k. My hyouse is now worth roughly 140k the most it has ever been worth in the time I have owned it is 145k which I suspect it will pass again in the next year or so. I was a bit pissed off when I had to pay 57k for mine but now am eternally greatful. So glad that Mrs Tweeky wanted to push ahead with a house buy cus I was prepared to put it off and wait for house prices to drop or our position to improve :scared:

6 Aug 2011

All these things are relative and at the end of the day, your house is only worth what someone will pay for it.
Ours was on the market for 1m£. It sold for 600k (after an offer for 800k which foolishly, I turned down). The developer who bought it still has it on his books four year later, unsold.
I'm now pleased we did what we did at the time but only with hindsight. Hindsight is a wonderful thing.
As I said, we always punched above our weight. We 'lost' a significant amount of money on this deal but we didn't really have it in the first place.

6 Aug 2011

thing is..we were all conned a little in the 80's by Mrs thatcher into thinking that we should all aspire, to own your house !! WHY ?? In the end you have a £150k house, but when you die half the bloody value goes back to the government anyway !! Is it so bad to rent, and spend the extra money saved on your kids and grandkids NOW !! I'm not quite ready to go yet, but i am damn sure I will try my best to give any inheritance I have left, to my daughter before I pop my clogs !!!
Maybe people are waking up to the fact, they don't want to be in debt for 25 years...especuially in these uncertain times. I don't actually think it is such a bad thing myself.

6 Aug 2011

Quote by deancannock
thing is..we were all conned a little in the 80's by Mrs thatcher into thinking that we should all aspire, to own your house !! WHY ?? In the end you have a £150k house, but when you die half the bloody value goes back to the government anyway !! Is it so bad to rent, and spend the extra money saved on your kids and grandkids NOW !! I'm not quite ready to go yet, but i am damn sure I will try my best to give any inheritance I have left, to my daughter before I pop my clogs !!!
Maybe people are waking up to the fact, they don't want to be in debt for 25 years...especuially in these uncertain times. I don't actually think it is such a bad thing myself.

Hmmmm. Interesting comment there dean.
Some might otherwise say that, in old age if you own your house outright, the local authority will take it off you to pay your bills when you start dribbling in your soup.
That is terrible and no incentive to scrimp and save for your relatives future.
On the other hand, someone who has never owned their own house but instead spent all their available cash in life on fancy holidays in Benidorm (or wherever) and living the 'good' life and lived in a council house will not have to suffer any of this indignity. In neither case, is there there anything to pass on to inheritors, so which lifestyle is right?

6 Aug 2011

In response to the last few posts.
Dean we pay roughly 180 a month in mortgage at the moment at the highest point it was about 300. To rent my house now if I wanted to live here would cost me 550 to 600, Wheres my saving? Ive never understood why people rent when buying is nearly always cheaper with added bonus's. There is always money in property. My parents paid 3k for again the exact same house as mine in the exact same neighbourhood. Think they took that in the mid 70's so in the mid 70's my house was worth 3k now 140k. I think property pretty much always a good investment.
I have one of those good old fashioned failing endowments sad

I'll owe money on my house come the end. However unless my remaining parent survives to a record age whatever I get left by them will easily cover that cost with some to spare. Thats mainly as they bought the house at 3k and its now worth 140k. He is also in care :( Recently been told that he is a free case meaning he pays nothing. He has a fairly considerable amount of money not including his house but he wont have to pay for his care. Its not just about what you have its also about whats worng with you apparently. My Mum was also graded as free when she was dying. I am not an expert on this by any means but it seems that if you are in care but would requirte NHS help if you were not in care then you get the care free. Its like paid for hospital? dunno

A few more things. If I walk out in front of a bus in the morning or develop a fatal illness (Stop cheering at the back) My Mortgage is instantly paid off, its in the life insurance deal we took thats all tied in with our mortgage. So Mrs Tweeky gets the house or vice versa. I wouldent want to be paying 600 a month rent and have that continue in the above unfortunate circumstances :(
GNV: I feel safer down the lower end of the market, more buyers. Not so many people looking to buy million pound pads and they are often more fussy and rightly so if they have the dibble. If I had the cash I would buy a million pound pad for me lol

but In wouldent invest in one. Would by 6-7 150k properties, just my way of thinking.

6 Aug 2011

Tweeky.....like yourself I brought my property 12 years ago, and so was lucky. The cheapest repaymnet on a morgage now would probably be in excess of £600. You can get housing assoc rental places for 300/400 round here. Don't get me wrong I'm not knocking home ownership, but equally I don't think it is such a big deal if you rent. With the current lending situation with the banks being reluctant to say the least, to relaease funds to first timers, I feel the rental market will grow.
You also say it is an investment.....well I think its fair to say maybe long term it can be.....but an awful lot of people that purchased their property in last 5 years now find themselves in a negative equity situation.

7 Aug 2011

Quote by deancannock
Tweeky.....like yourself I brought my property 12 years ago, and so was lucky. The cheapest repaymnet on a morgage now would probably be in excess of £600. You can get housing assoc rental places for 300/400 round here. Don't get me wrong I'm not knocking home ownership, but equally I don't think it is such a big deal if you rent. With the current lending situation with the banks being reluctant to say the least, to relaease funds to first timers, I feel the rental market will grow.
You also say it is an investment.....well I think its fair to say maybe long term it can be.....but an awful lot of people that purchased their property in last 5 years now find themselves in a negative equity situation.

I actually agree with most of what you say. Rent can in some situations be cheaper but its dead money. By which I mean its money you pay for ever and ever with no eventual gain other than one months roof. There is an estate just outside of Bristol called Bradley stoke its the largest estate in Europe or was at one time. In the mid 90's it was renamed by locals Sadly broke after all the houses went into negative equity. They are laughing now though if they hung in there. Negative equity is only ever an issue if you really need to move.
I just dont like the idea of paying towards nothing with no end product it just does not sit right with me.

7 Aug 2011

i do belive fist time buyers are on the increase due to the fact banks are easing up on the amount of lending again
i know our own son and his girlfreind have just been offered a 95% mortgage which is encouraging to say the least
as tweeky rightfully says why rent when you can buy for less

7 Aug 2011

Quote by Ben_Minx
I'm not a half empty half full kinda guy, I am more inclined to think the glass is the wrong size eh?

really ben ??
my glass is not only big enough but its full.......but thats just down to bloody determination and hard work wink

life is exactly what you want make of it.......... and if you've come up short glassed then just mabee you didn't make the most of yours

7 Aug 2011

home ownership against renting?
in the LONG term any one who says that renting is a better option needs to get some medical help lol

we have three years left on our mortgage and our property is worth roughly £410 thousand pounds. when it is paid off we have the choice to ether downgrade and bank the money or move to where ever we like. plus when we do eventualy die that money will be passed on to our kids so it is also a fantastic savings plan too. we could of course stay here and never pay another penny in mortgage payments and lead a very nice lifestyle. had we of been renting this house it would be about 800 pounds a month possibly more and in ten months that is 8000 pounds at leest. over ten yeers well you can do the maths.
renting all your life in the private secter is expensive, very expensive. living in a housing asociation property usually meens in a dodgy area in most cases or worse if it is a council house. do they still have those? dunno

there is always the gamble about having to sell your house to pay for your care in old age but that may just not happen and we do not live our lives on maybes. we brought our first house under mrs thathcher and we will always be grateful to er that she gave us that first oportunity to buy our house and now almost finished paying for it. i love her for that. :thumbup:
but of course there will always be the jelos ones who did not take that oportunity who now hate the home owner ship brigade. for us it worked a treet. three yeers and no more mortgage. a nice holiday will be on the cards then as oposed to a friend of mine who has rented all there lives now live in a housing ascociation property living next door to eatsern euroes who have about 50 peeple living in the house. i know what side of the road i prerefre to have gone down in life.
now where is that estate agents telephone number? :bounce:

7 Aug 2011

Quote by Lizaleanrob
my glass is not only big enough but its full.......but thats just down to bloody determination and hard work
life is exactly what you want make of it.......... and if you've come up short glassed then just mabee you didn't make the most of yours

that is what it takes and some peeple are just not cut out for hard work.
work hard and you will be rewarded in the end. i think first time buyers need to remember the long term investmant.
some peeple expect every thing put on a plate for them but that is coming to an end for many.
buy that house and be happy. long live the dreem of...............

7 Aug 2011

Thank the God/dess there are people out there like Dean who don't count happiness or success by the pound and penny.

7 Aug 2011

Quote by starlightcouple
home ownership against renting?
in the LONG term any one who says that renting is a better option needs to get some medical help
we have three years left on our mortgage and our property is worth roughly £410 thousand pounds. when it is paid off we have the choice to ether downgrade and bank the money or move to where ever we like. plus when we do eventualy die that money will be passed on to our kids so it is also a fantastic savings plan too. we could of course stay here and never pay another penny in mortgage payments and lead a very nice lifestyle. had we of been renting this house it would be about 800 pounds a month possibly more and in ten months that is 8000 pounds at leest. over ten yeers well you can do the maths.
renting all your life in the private secter is expensive, very expensive. living in a housing asociation property usually meens in a dodgy area in most cases or worse if it is a council house. do they still have those?
there is always the gamble about having to sell your house to pay for your care in old age but that may just not happen and we do not live our lives on maybes. we brought our first house under mrs thathcher and we will always be grateful to er that she gave us that first oportunity to buy our house and now almost finished paying for it. i love her for that. :thumbup:
but of course there will always be the jelos ones who did not take that oportunity who now hate the home owner ship brigade. for us it worked a treet. three yeers and no more mortgage. a nice holiday will be on the cards then as oposed to a friend of mine who has rented all there lives now live in a housing ascociation property living next door to eatsern euroes who have about 50 peeple living in the house. i know what side of the road i prerefre to have gone down in life.
now where is that estate agents telephone number? :bounce:

congratulations starlight and glad you have been so lucky in your life. I myself in 7 years will be in same situation....but I still have enough human concern to know that their are others less forunate than me. I myself was made redundant, 6 months ago and for a time was very concerned about how I was going to make ends meet. In your world that would of been my fault, was a lack of hard work and trying on my side, and so long as you were alright Jack, then in reality who were you to give a shit. No thats not how i live my life !!!
Now coming to your highlighted parts. It seems you assume everyone that lives in a council house or housing assoc house is a waster and living in a scum area's. I think alot of people living there, would take great offence at that sweeping statement. A great number of people that live in council accommadation, are hard working, very house proud people. My freind that I go out with on a friday night is a lorry driver. Works away alot and works very long hours at times. Most def not a slacker. He can not afford a morgage, so has a lovely two bedroomed council house, in a quiet cul de sac. Quite a desireable area i would say, if i was an estate agent. Then at the end you say, housing assoc accommadation is full of eastern europeans , living 50 in a room !! Well firstly I think a comment like that is bordering on racism !! Eastern Europeans are legally allowed to enter the UK. This is because we are part of the EU. This is the EU that Ted Heath and the tories took us into, and every party since has kept us signed up to. They do not have large family units, like some other nationals, and so is totally ridiculas to suggest they live overcrowed. also the housing assoc, rent out building for specific numbers of occupation. If they found out accommadation was being overcrowed they would close the tenancy down.
In reality Starlight you rather bigoted comments, smack of the " I'm alright Jack, so up yours " ................... Some of us have an ounce or two of humanity, you may be surprised to hear !!!

7 Aug 2011

Quote by deancannock
thing is..we were all conned a little in the 80's by Mrs thatcher into thinking that we should all aspire, to own your house !! WHY ?? In the end you have a £150k house, but when you die half the bloody value goes back to the government anyway !! Is it so bad to rent, and spend the extra money saved on your kids and grandkids NOW !! I'm not quite ready to go yet, but i am damn sure I will try my best to give any inheritance I have left, to my daughter before I pop my clogs !!!
Maybe people are waking up to the fact, they don't want to be in debt for 25 years...especuially in these uncertain times. I don't actually think it is such a bad thing myself.

Why does half the value go back to the Government? The inheritance tax threshold is currently £325,000 per person and this can be carried forward onto a surviving Spouse. In the long run it is pointless renting because renting is dead money.
Those people around now whose parents bought their own homes will have the ability to have a more comfortable life when their Parents pass away because of the in built nest egg in the property. Parents who have rented all of their lives will probably only have savings. With average house prices currently around £160,000 this is more than almost anyone can realistically save up to pass on as an inhertitance and it is half of the inheritance tax threshold. Passing on a £160,000 property will therefore be free of inheritance tax and yet a significant sum for those who inherit it.

7 Aug 2011

Quote by deancannock
Eastern Europeans are legally allowed to enter the UK. This is because we are part of the EU. This is the EU that Ted Heath and the tories took us into, and every party since has kept us signed up to

In fairness Dean, Ted Heath took the UK into the European Economic Community, which was quite a different animal to the European Union of today.

7 Aug 2011

Quote by Ben_Minx
Thank the God/dess there are people out there like Dean who don't count happiness or success by the pound and penny.

you might wanna re-read my post ben
eerm nothing was mentioned about money loon

it was about making the most of life
work hard to make the most of mine regardless of money im also extremely happy ..........so my glass is the right size and full wink

do you know why i think im successful ben and why im so happy
go on go on go on ask me ask me ask me
arrh fuck i`ll tell you any way
our kids ben
their hard working, respect full ,all have a great sense of humour,popular,determind,drug free and all know how to conduct a relationship and know how to treat the people they love.
in fact i have three young adults that any parent would be proud of :cool:
its funny you seem to have a bitterness towards those you think have money....have you thought about seeing someone about this dunno

7 Aug 2011

Quote by deancannock
home ownership against renting?
in the LONG term any one who says that renting is a better option needs to get some medical help
we have three years left on our mortgage and our property is worth roughly £410 thousand pounds. when it is paid off we have the choice to ether downgrade and bank the money or move to where ever we like. plus when we do eventualy die that money will be passed on to our kids so it is also a fantastic savings plan too. we could of course stay here and never pay another penny in mortgage payments and lead a very nice lifestyle. had we of been renting this house it would be about 800 pounds a month possibly more and in ten months that is 8000 pounds at leest. over ten yeers well you can do the maths.
renting all your life in the private secter is expensive, very expensive. living in a housing asociation property usually meens in a dodgy area in most cases or worse if it is a council house. do they still have those?
there is always the gamble about having to sell your house to pay for your care in old age but that may just not happen and we do not live our lives on maybes. we brought our first house under mrs thathcher and we will always be grateful to er that she gave us that first oportunity to buy our house and now almost finished paying for it. i love her for that. :thumbup:
but of course there will always be the jelos ones who did not take that oportunity who now hate the home owner ship brigade. for us it worked a treet. three yeers and no more mortgage. a nice holiday will be on the cards then as oposed to a friend of mine who has rented all there lives now live in a housing ascociation property living next door to eatsern euroes who have about 50 peeple living in the house. i know what side of the road i prerefre to have gone down in life.
now where is that estate agents telephone number? :bounce:

congratulations starlight and glad you have been so lucky in your life. I myself in 7 years will be in same situation....but I still have enough human concern to know that their are others less forunate than me. I myself was made redundant, 6 months ago and for a time was very concerned about how I was going to make ends meet. In your world that would of been my fault, was a lack of hard work and trying on my side, and so long as you were alright Jack, then in reality who were you to give a shit. No thats not how i live my life !!!
Now coming to your highlighted parts. It seems you assume everyone that lives in a council house or housing assoc house is a waster and living in a scum area's. I think alot of people living there, would take great offence at that sweeping statement. A great number of people that live in council accommadation, are hard working, very house proud people. My freind that I go out with on a friday night is a lorry driver. Works away alot and works very long hours at times. Most def not a slacker. He can not afford a morgage, so has a lovely two bedroomed council house, in a quiet cul de sac. Quite a desireable area i would say, if i was an estate agent. Then at the end you say, housing assoc accommadation is full of eastern europeans , living 50 in a room !! Well firstly I think a comment like that is bordering on racism !! Eastern Europeans are legally allowed to enter the UK. This is because we are part of the EU. This is the EU that Ted Heath and the tories took us into, and every party since has kept us signed up to. They do not have large family units, like some other nationals, and so is totally ridiculas to suggest they live overcrowed. also the housing assoc, rent out building for specific numbers of occupation. If they found out accommadation was being overcrowed they would close the tenancy down.
In reality Starlight you rather bigoted comments, smack of the " I'm alright Jack, so up yours " ................... Some of us have an ounce or two of humanity, you may be surprised to hear !!!
Thanks for answering Dean, i had gone out to buy the papers and was returning to this. My folks still live in a council house ... well ex council house, it's now been sold off to a housing association much to my Dad's annoyance, he stood by his principles and wouldn't accept the bribe offered by the marvellous Mrs Thatcher in the 80's.
Others didn't and got on the property ladder, good luck to them ... but in effect they "stole" money other Tax Payers had thought would offer people who were less fortunate than themselves a roof over their heads.
I myself have recently bought a property ... just as the prices crashed! But would quite happily return to the "scummy area" should my situation change

7 Aug 2011

Quote by deancannock
congratulations starlight and glad you have been so lucky in your life.

LUCKY ?? no luck involved at all dean. hard work pure and simple.

Quote by deancannock
I myself in 7 years will be in same situation....but I still have enough human concern to know that their are others less forunate than me. I myself was made redundant, 6 months ago and for a time was very concerned about how I was going to make ends meet. In your world that would of been my fault, was a lack of hard work and trying on my side, and so long as you were alright Jack, then in reality who were you to give a shit. No thats not how i live my life !!!

get off the moral high ground dean for fecks sake' if you care so much about peeple less fortunate than you then go and work for oxfam!!

Quote by deancannock
Now coming to your highlighted parts. It seems you assume everyone that lives in a council house or housing assoc house is a waster and living in a scum area's. I think alot of people living there, would take great offence at that sweeping statement. A great number of people that live in council accommadation, are hard working, very house proud people. My freind that I go out with on a friday night is a lorry driver. Works away alot and works very long hours at times. Most def not a slacker. He can not afford a morgage, so has a lovely two bedroomed council house, in a quiet cul de sac. Quite a desireable area i would say, if i was an estate agent. Then at the end you say, housing assoc accommadation is full of eastern europeans , living 50 in a room !! Well firstly I think a comment like that is bordering on racism !!

sue me then. is that reely racist? in your life is that reely what you think? strange.

Quote by deancannock
Eastern Europeans are legally allowed to enter the UK. This is because we are part of the EU. This is the EU that Ted Heath and the tories took us into

,
i thought the tories and mr heath took us into europe to TRADE. you know dean to do business with. what did the peeple vote for in what was it now 1973? the COMMON MARKET it was called dean. obviously not old enough for you to remember but it is part of history dean. google a silly thing to say. the last labour government are the ones to blame for the problems we face now with europe and having a one sided view on immigration dean. does that make me a bigot to? ffs

Quote by deancannock
and every party since has kept us signed up to. They do not have large family units, like some other nationals, and so is totally ridiculas to suggest they live overcrowed. also the housing assoc, rent out building for specific numbers of occupation. If they found out accommadation was being overcrowed they would close the tenancy down.

is that right dean? so there are no over crowded properties by eastern euroes in the uk then? loon

ok it must be me then who through my work knows of many polish workers sharing six to a room. they tell me it is not uncomon for this to happen and six to a room is minimum for many. still i think i woulkd rather belleve your version dean as it falls into the nice square box.

Quote by deancannock
In reality Starlight you rather bigoted comments, smack of the " I'm alright Jack, so up yours " ................... Some of us have an ounce or two of humanity, you may be surprised to hear !!!

oh i am a bigot because of????
i am all right jack and so are my family. i work hard and have done for yeers for my family. be careful dean about living on that oh so high moral high ground the saviour of man kind. peeple are to ready to trip you up and and walk right over you.
for a swingers site there are more saviours of the universe than on the christian web sites i look at often.:notes: should you not be in church dean insted of on here? lol

sorry though if my hard work kept me and my family away from places like this.

maybe every home owner should give up half of the profits on there houses and flats to help these poor peeple out eh? :twisted:

7 Aug 2011

Quote by Suedey
home ownership against renting?
in the LONG term any one who says that renting is a better option needs to get some medical help
we have three years left on our mortgage and our property is worth roughly £410 thousand pounds. when it is paid off we have the choice to ether downgrade and bank the money or move to where ever we like. plus when we do eventualy die that money will be passed on to our kids so it is also a fantastic savings plan too. we could of course stay here and never pay another penny in mortgage payments and lead a very nice lifestyle. had we of been renting this house it would be about 800 pounds a month possibly more and in ten months that is 8000 pounds at leest. over ten yeers well you can do the maths.
renting all your life in the private secter is expensive, very expensive. living in a housing asociation property usually meens in a dodgy area in most cases or worse if it is a council house. do they still have those?
there is always the gamble about having to sell your house to pay for your care in old age but that may just not happen and we do not live our lives on maybes. we brought our first house under mrs thathcher and we will always be grateful to er that she gave us that first oportunity to buy our house and now almost finished paying for it. i love her for that. :thumbup:
but of course there will always be the jelos ones who did not take that oportunity who now hate the home owner ship brigade. for us it worked a treet. three yeers and no more mortgage. a nice holiday will be on the cards then as oposed to a friend of mine who has rented all there lives now live in a housing ascociation property living next door to eatsern euroes who have about 50 peeple living in the house. i know what side of the road i prerefre to have gone down in life.
now where is that estate agents telephone number? :bounce:

congratulations starlight and glad you have been so lucky in your life. I myself in 7 years will be in same situation....but I still have enough human concern to know that their are others less forunate than me. I myself was made redundant, 6 months ago and for a time was very concerned about how I was going to make ends meet. In your world that would of been my fault, was a lack of hard work and trying on my side, and so long as you were alright Jack, then in reality who were you to give a shit. No thats not how i live my life !!!
Now coming to your highlighted parts. It seems you assume everyone that lives in a council house or housing assoc house is a waster and living in a scum area's. I think alot of people living there, would take great offence at that sweeping statement. A great number of people that live in council accommadation, are hard working, very house proud people. My freind that I go out with on a friday night is a lorry driver. Works away alot and works very long hours at times. Most def not a slacker. He can not afford a morgage, so has a lovely two bedroomed council house, in a quiet cul de sac. Quite a desireable area i would say, if i was an estate agent. Then at the end you say, housing assoc accommadation is full of eastern europeans , living 50 in a room !! Well firstly I think a comment like that is bordering on racism !! Eastern Europeans are legally allowed to enter the UK. This is because we are part of the EU. This is the EU that Ted Heath and the tories took us into, and every party since has kept us signed up to. They do not have large family units, like some other nationals, and so is totally ridiculas to suggest they live overcrowed. also the housing assoc, rent out building for specific numbers of occupation.
If they found out accommadation was being overcrowed they would close the tenancy down.
In reality Starlight you rather bigoted comments, smack of the " I'm alright Jack, so up yours " ................... Some of us have an ounce or two of humanity, you may be surprised to hear !!!
Thanks for answering Dean, i had gone out to buy the papers and was returning to this. My folks still live in a council house ... well ex council house, it's now been sold off to a housing association much to my Dad's annoyance, he stood by his principles and wouldn't accept the bribe offered by the marvellous Mrs Thatcher in the 80's.
Others didn't and got on the property ladder, good luck to them ... but in effect they "stole" money other Tax Payers had thought would offer people who were less fortunate than themselves a roof over their heads.
I myself have recently bought a property ... just as the prices crashed! But would quite happily return to the "scummy area" should my situation change
people seem to ignore the fact that the right to buy was an opportunity for some less fortunate people to choose the right to move freely and not be placed next to a family of drug dealers or crack heads, burglars,
my ex-mother in-law was placed next to all of these at one time or another
and yes not all council estates are like this some though are incredibly notorious
just out of interest some 3 years after she sold and moved out the person who purchased the house was murdered in the night by scag head neighbour who was burgling the house go figure that

7 Aug 2011

This is all about attitude and many on this Site do have an attitude towards people who have success and all that goes with it. It should not be a surprise though because it is just like that in the real world where negative attitudes and perceptions stifle the potential in so many people.
I remember when I was young my parents bought a house and the Estate was next to a Council estate and there was a park between the two where we would all hang out. A guy on our street had a beautiful XJ6 and I asked my parents why we could'nt have one and I was told that if I worked hard one day I would be able to have one. I used to admire the car every day going to the bus stop and I even told the guy what my Mum and dad had told me and he took me to the shop in it as a treat.
One summer in the 70's a group of kids were talking on the park about "coining" the Jag, I asked them what they mean't and they laughed and said that if I went with them I would see. So we all went to our street and two of the lads ran a coin down each side of the car and ran off.
The Police came and I had been seen with the group and got questioned, I later got beaten up by the lads who did it cos I grassed them up and they told me that if I wanted to look after the rich Tw**s then I would be treated like one.
Bottom line was their attitude, whilst extreme, was that if they could not have a shiny gorgeous car then he should not have one either. I learned alot in that park especially about jealousy and how parents of some kids brainwashed them that "rich" people should be despised just for daring to try hard.
I made my decisions pretty early on after realising that getting beaten up for dressing different, talking different and finally "looking after rich tw**s" I was going to get an XJ6 one day and not try and stop other people getting one.
There is much to say about having a social and caring attitude to the less fortunate people in our society but really far too many people need to waken up and realise that their life is in their own hands and they make or break their own life by their own efforts. No point in blaming anyone else - it is your life.

7 Aug 2011

what seams reely htpocritical rob is that there are thosands of peeple up and down the country who live in either council of housing asociation properties who could well afford to buy there own homes yet get there rents subsisided.
i always thought these kinds of properties affordable housing for peeple that well could not afford any thing else?
i know of someone who runs there own business and erns a fortune yet gets subsidised housing? how can that be right? if he has the money or others like him shgould they not be made to pay the market value of rent for that house?
what gives them the right to cheep rents?

Quote by toohot
Bottom line was their attitude, whilst extreme, was that if they could not have a shiny gorgeous car then he should not have one either. I learned alot in that park especially about jealousy and how parents of some kids brainwashed them that "rich" people should be despised just for daring to try hard.

seams a few of those kids ended uip being members on here. lol

7 Aug 2011

Put into perspective Too Hot, it's all about respect.
I looked at the kid who didn't respect people`s property and defaced them through envy and thought "twat"
I also looked at the guy driving around in a Jag sticking his fingers up at those who couldn't afford one and thought "twat"
In effect for everyone of these there were 4 decent respectful people.
Another Jag driver who would share the time of day with the kid from the council estate who would in turn look up to them and respect them for what they had acheived... if owning a Jag is "success"
I much prefer a Bentley ! lol

7 Aug 2011

Quote by Ben_Minx
I'm not a half empty half full kinda guy, I am more inclined to think the glass is the wrong size eh?

All glasses are at all times full .... sometimes just with air but full nevertheless (this does not include those in a perfect vacuum of course)

7 Aug 2011

starlight.......you quite obviously measure your success by your bank balance...thats the differance I do have a shead of humanity and do not.
I have my own house, have owned two companies, I have a few quid in the bank, I have a couple of nice holidays a year....but yes I consider myself fortunate. However i also have a daughter, who is now 17, and has grown up to be careing, loving individual. I have given her my love and she has returned that love. Thats whay I can success !!
You can take all my possessions away from me...you can take all my money away from me...you will never take that love. Thats success !!
You say I have the moral high round. Maaybe I have...but maybe thats because other peoples perception of huminity is so low !!
Also your comments are somewhat contradict themselves. firstly you say all that live in council or housing assoc are either wasters, drug users or eastern europeans living 50 to a room !! Now you say they can be hard working, business men with jags !!
As you would say " your alright jack....so f*uck the rest " eh !!