Child benefit cuts

MountainMonster

Briggo wrote:

CraigXXL wrote:

Are you telling us that you took out a £250k mortgage on £44k salary and want to blame the government for things being tight. I feel for you but you need to shoulder some of that blame too.

Dependant on the area he lives, that may be the normal price for a house large enough for his family.

Then he simply should have moved somewhere where he could actually afford to support his family. Just because I like some parts of London, I wouldn't move there.

Have a guess lovepasty as to why? Because I simply can't afford it. It may appear so on paper, I make enough to cover rent and bills, but have other obligations as well. Irresponsible borrowing is all that is.

Kiblams

lovepasty wrote:

Mortgage = £1150 (I am on 1.2% tracker currently, this will increase loads when interest rates raise)

As someone who has a mortgage which is a quarter of yours, it seems that the area you live in/your house are the luxury here, if you were to move somewhere away from London (north) you would see very quickly that with a £44k salary you can live like a king!

What is the point in earning crazy high money if you have to struggle because of where the job is!?!

etapechamp

Kiblams wrote:

lovepasty wrote:

Mortgage = £1150 (I am on 1.2% tracker currently, this will increase loads when interest rates raise)

As someone who has a mortgage which is a quarter of yours, it seems that the area you live in/your house are the luxury here, if you were to move somewhere away from London (north) you would see very quickly that with a £44k salary you can live like a king!

What is the point in earning crazy high money if you have to struggle because of where the job is!?!

exactly- well said.

Thewaylander

Wow Clint,

Fella, your arguments are about as scientific as creationism? are you a creationist seriously, as most of argumetns would depend on Darwin being very very wrong to be fair.

And your childish comment throwing wow.. you amaze with your level of maturity. I call you a troll my friend. and a horrible horrible one at that.

GhallTN6

can i claim for hair cuts, boot polish, razors, shaving foam/oil and washing powder?

i have to wash my uniform, polish my boots and cut my hair according to my employer's specification at my own cost to avoid going to jail so they are pretty essential (unless i want to go to jail of course)

sheepsteeth, thought you get free uniform, boot's etc, and I remember living in a military 2 bed house where the rent was about 300 quid a month, and that was before we had kids, (and if I was still serving, I'd have two years left, where I would get a half decent lump sum, and a nice pension, plus get another job). And you don't have to pay tax when on active duty, plus of course the free dental, healthcare, gym, education and not forgetting rifle! (all thoroughly deserved of course).

I've got used to the idea of losing my benefit now, we'll manage, just didn't realise how much it is worth a year, I’ll just have to beg from the family next door who earn another 40k and still get the benefit.

Daz555

MountainMonster wrote:

No I believe you are the dousche canoe floating in a river of gay here. Primates, which we have evolved from, have always been social animals. in order to be social, that requires a minimum of some form of hierarchical structure which in and of itself, is a society. For millions of years, monkeys have lived in societies, and congratulations, we evolved from them. The first humans, albeit primitive forms, also lived in societies.

So it does appear to me as if you are the uneducated tosser in this instance.

Your first comment says we evolved from primates which is sort of misleading as we ARE primates but yes this is still a valid statement as evolution suggests that modern primates are evolved from a single earlier primate common to us all.

However, evolutionary theory does not suggest we evolved from monkeys. Evolutionary theory tells us monkeys, chimps, humans etc share a common ancestor.

It is a very important distinction and instantly dispels classic creationist myths like "if we evolved from monkeys, why are there still monkeys".

Thewaylander

It is a very important distinction and instantly dispels classic creationist myths like "if we evolved from monkeys, why are there still monkeys".


This argument is still terrible as groups seperated by distance can evolve down very different paths due to enviroment so monkeys could be evoled perfectly for a wooded area but we hit the plains and stood up.

Creationism rarely seems to come up with a balanced argument.

CraigXXL

Sheepsteeth, Yes you can claim for some of those itmes but not through HMRC but the Pay Officer (or at least it was when I served) and it's only for items to maintain your equipment and not yourself. Good luck with the claim because I couldn't get a penny out of my claims until I was knobbing a clerk in Lisburn and she passed all of them and showed me how to claim for others. Same claims later with another unit got rejected again. Same as everything else in the forces it's who you know not what you know.

GhallTN6, since when didn't you pay tax on active duty? That's one thing that used to bug me that you paid tax when on active duty. I got out in 95 so lots has probably changed since then.

Daz555

Thewaylander wrote:

Creationism rarely seems to come up with a balanced argument.

+4.6 billion years worth of potatoes.

GhallTN6

GhallTN6, since when didn't you pay tax on active duty?

It came into effect over the last couple of years for the guys in Afghanistan, deservedly so as well. I left in 98 because it was boring and nothing was happening, plus I got married and the wife probably would have left me if I was traipsing all over the world every few months (she just didn’t fit into the forces wife thing).

CraigXXL

About time too.

paul.skibum

We have drifted off topic a little - to be honest I am not sure what Mr Eastwood is ranting about and is he a lecturer or a student? I assume the later otherwise we might need to start a debate about university funding salaries for people like him!

As I pointed out whether mans has the right to reproduce is irrelevant to child benefits.

And for lovepasty's break down of his spending - the house is the problem. I know it is unfashionable these days but renting a house is an affordable means of getting a decent property to live in - my grandparents lived for 40 years int he same house that they rented all that time.

Daz555

paul.skibum wrote:

I know it is unfashionable these days but renting a house is an affordable means of getting a decent property to live in - my grandparents lived for 40 years int he same house that they rented all that time.

Depends where you live. A 3 bed terrace in a half decent area in Bristol will set you back 900 notes a month. Hardly small potatoes.

Thewaylander

House prices are out of kilter with wages at the moment.

I think In about 10-15 years they will ahve to crash as there will be no new buyers as it is impossible to get on the ladder with an income less thant 30-40k if you are single. At some point current buyers will hold or (die from old age) and then no one will buy.

But i don't think we can sustain house prices like this, if the average wage accross the uk is 26k (This will have to take in to account the distorted London wages which are almost double other areas of the UK) and lending is only what 3 times your salary no one can afford a house more than about 75k.

something will give at some point i feel.

Anonymous

Thewaylander wrote:

House prices are out of kilter with wages at the moment.

I think In about 10-15 years they will ahve to crash as there will be no new buyers as it is impossible to get on the ladder with an income less thant 30-40k if you are single. At some point current buyers will hold or (die from old age) and then no one will buy.

But i don't think we can sustain house prices like this, if the average wage accross the uk is 26k (This will have to take in to account the distorted London wages which are almost double other areas of the UK) and lending is only what 3 times your salary no one can afford a house more than about 75k.

something will give at some point i feel.

Oh god yes, tell me about it. here in Worth nails, the average wages are far FAR lower than the national average. I'm sure I heard the 18K figure touted a few times.
And, the house prices are some of the very highest. You could be looking at nearly £200K for a tiny two bedroom house, and the starting price for a property appears to be around £140K - even on houses touted as "first time byers" houses.

paul.skibum

Daz555 wrote:

paul.skibum wrote:

I know it is unfashionable these days but renting a house is an affordable means of getting a decent property to live in - my grandparents lived for 40 years int he same house that they rented all that time.

Depends where you live. A 3 bed terrace in a half decent area in Bristol will set you back 900 notes a month. Hardly small potatoes.

Yep that is what I rent my house for but a 900 quid a month mortgage doesnt buy you a lot of house in Reading or Bristol I'd warrant.

It was the Conservatives and Labour for the past 20 odd years who pushed the idea of home ownership for all and it is this that drives house prices - the apparent failure of individuals if they havent got their own home which is madness really.

I bought my house in 2000 when I came into some inheretence that paid the deposit and lived on my own for a while before getting lodgers in to help out with bills - they were mates so it was a cosy arrangement for me in any case. But had I not had a dead aunt I wouldnt have bought then - maybe not at all.

lovepasty

As someone who has a mortgage which is a quarter of yours, it seems that the area you live in/your house are the luxury here, if you were to move somewhere away from London (north) you would see very quickly that with a £44k salary you can live like a king!

What is the point in earning crazy high money if you have to struggle because of where the job is!?!

I dont and never have lived in London, I moved away from Bristol, where I had to move to from Cornwall because I had little opportunity of earning enough money to but a house there

But you're missing the point, I am not complaining about losing child benefit, I was omplaining about households with greater income not losing it, and was stating that in SW England 44K is not an excessive income to support a family on

Thewaylander

Ps I am qualified for personal tax by the way guys

Thewaylander

Ps I am qualified for personal tax by the way guys

GhallTN6

You can buy a cheap house, but you'll have burnt out cars out front, trolleys in your garden and a great bit steel gate on your door!

I was quite suprised how hefty the house prices were in Cardigan when we went there in the summer, really nice place (we even got some sun), but I think I would end up killing someone, as they all do 25mph on the roads!

I've been on the housing market for about 15 years so I'm lucky, but for those even on a higher income, trying to get a mortgage nowaday's for a 250k house (for not much in kent/surrey), you are talking a 50k deposit, and at least a monthly repayment of £1200, and that's at today's interest rate, taking away £1700 a year is a big hit, and you can't live in a two bed flat when you have two kids.

I don't have a pension with my job, and I cerainly can't afford the £500 I'm supposed to put away a month for a pitiful pension, so my house will be sold when I retire and I will move into rented accommodation. A lot of people I know have bigger houses (isn't hard), but are on interest only mortgages, so they are going to be stuffed when they retire.

Anway, have to go, I'm off to see a financial adviser!

CraigXXL

Thewaylander wrote:

Ps I am qualified for personal tax by the way guys

As is everyone from the day they are born to the day they die

Thewaylander

CraigXXL wrote:

Thewaylander wrote:

Ps I am qualified for personal tax by the way guys

As is everyone from the day they are born to the day they die

No i mean to do your return ;p

CraigXXL

GhallTN6 wrote:

A lot of people I know have bigger houses (isn't hard), but are on interest only mortgages, so they are going to be stuffed when they retire.

A lot of these people have also seem to have forgotten that when the mortgage matures they will either have to mortgage again or pay of the original loan amount. Having an interest only mortgage is no better than renting as you still have to maintain the property even though you don't own it but a tenant only needs pay rent and the landlord pays for the upkeep.

Thewaylander

Indeed,

Interest only mortgages are rarely a good idea to be fair, all your really doing is renting the house from the bank but accepting all responsability as craig said above...
And if people have done this i certainly don't want to be paying for there rug rats as they have shown an amazing lack of good old common sense.

Kiblams

lovepasty wrote:

But you're missing the point, I am not complaining about losing child benefit, I was omplaining about households with greater income not losing it, and was stating that in SW England 44K is not an excessive income to support a family on

Apologies; I think we can all agree on that point

Anonymous

GhallTN6 wrote:

sheepsteeth, thought you get free uniform, boot's etc, and I remember living in a military 2 bed house where the rent was about 300 quid a month

we do get free uniforms but we hve to wash them and polish our boots by military law, also i have to have my hair cut again by military law so th emoney i am paying to do it is related to my job.

i was being a bit cheeky to be honest, i dont really intnd to try and claim anything for this.

as for tax free when on duty, its not strictly true, the folk in afghan get an operational allowance but we all still pay tax no matter where we are.

paul.skibum

More rantings and anger today as minister says no body should have to pay for someone elses kids or something.

Basically Osbourne said cap benefits of all sorts at 500 notes a week - someone else has come out saying nice idea George but the problem with you is you havent taken it far enough. cap it at zilch.

Sweet. Ministers read Bikeradar!

Anonymous

500 quid a week in benefits? Holy crap, I wish I got PAID 500 a week :shock:

cooldad

yeehaamcgee wrote:

500 quid a week in benefits? Holy crap, I wish I got PAID 500 a week :shock:

Find a slag and have lots of children. Easy.

Once you get on of those hologram thingies.

IcarusGreen

sheepsteeth wrote:

GhallTN6 wrote:

sheepsteeth, thought you get free uniform, boot's etc, and I remember living in a military 2 bed house where the rent was about 300 quid a month

we do get free uniforms but we hve to wash them and polish our boots by military law, also i have to have my hair cut again by military law so th emoney i am paying to do it is related to my job.

i was being a bit cheeky to be honest, i dont really intnd to try and claim anything for this.

as for tax free when on duty, its not strictly true, the folk in afghan get an operational allowance but we all still pay tax no matter where we are.

And we only pay so little for rent as the Army moves us to where they want us. I'm moving in a few weeks and that will be the 6th house in 7 years of marriage. The wife is getting a little pissed off....as you can imagine.