The boomers ate all the avocados
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It’s almost as if she may have exaggerated her circumstances to justify whinging (or was as disorganised in life in general as with understanding her retirement).
Journalists seem reluctant to ask difficult questions of the “victims” in this sort of thing.
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It's a lot more expensive than life insurance.
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Also I would have thought that with either of those jobs she could probably retire at 60 anyway.
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So, being sad and having too much time to spare, I have read the full Ombudsman report. It is genuinely interesting as there is no legal duty involved, so it is pretty much down to a subjective interpretation of whether or not DWP fulfilled it's duty of care to make every realistic effort to inform women of the changes.
The general crux of the ruling is that up until 2005ish the DWP acted effectively and took as many steps as possible to inform and educate. The turning point comes after evalution of those measures, around 2005, highlights they are not effective. Less than 50% of women still weren't aware, and of those that were, a significant percentage don't understand how the changes will impact them personally.
At this point, a series of recommendations were put forward to improve the targeting of information, which were then systematically ignored.
DWP argument is that they couldn't inform every person affected and ensure they fully understood the changes. The Ombudsman ruling is that this is not the issue. By not following its own recommendations, DWP was guilty of 'Maladministration' whereby they significantly disadvantaged women by not making the necessary changes to their communications plans.
It seems effectively this is a ruling on standards and best practice (the Ombudsman underpinned it by relating the required standards to the Civil Service Code, but DWP argued this was irrelevant). In essence, DWP have been told their efforts post 2005/6 weren't good enough.
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Not in my case.
1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
Pinnacle Monzonite
Part of the anti-growth coalition0 -
Critical illness cover will always be more expensive than life cover per £ insured.
Income protection will also be more expensive - you are something like 6 times more likely to be off work for 6 months in any year than to die in that year if you are of working age.
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I guess that stat is reassuring 🫤
Perhaps I misunderstood TBB. It was more expensive than the life cover but not so expensive as to be unaffordable.
1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
Pinnacle Monzonite
Part of the anti-growth coalition0 -
I was saying that it was more expensive than life insurance and, in many cases, can be multiples of it.
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We didn't take it out as the cost was significantly more than life cover. When diagnosed with Hodgkins lymphoma one of the 'reassuring' things they told me was that if I'd had critical illness cover it wasn't considered serious enough to get a pay out. Presumably had I died the life cover would have paid out.
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I am aware my experience is only that and not necessarily representative.
1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
Pinnacle Monzonite
Part of the anti-growth coalition0 -
From an insurer's perspective, they are at risk of someone saying they can't work because their back hurts a bit, so they need to define the policy to only cover certain things. That means it's not great from the buyer's perspective.
All of that said, if I was alive, but unable to work, things wouldn't be good financially, so there are a lot of good reasons to take it out.
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I'm starting to think that millennials might have stolen all the avocados from zoomers.
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Fuck that
“New York has the haircuts, London has the trousers, but Belfast has the reason!0 -
Remarkably tone deaf.
Anyway, it's not all bad. If the Tories are clientelists for the retired, Labour obviously are not.
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my students are not very good and getting worse.
Their attention span is inexistent, they only focus on memorising things, which is a useless skill… they cannot use their hands very well either, I mean poor dexterity in anything other than typing on phones and keyboards. It’s a bit sad that the world has come to this in a very short space of time.
I think the future of the DIY industry is uncertain with this lot
left the forum March 20230 -
Are they learning a trade in your class? If not, why would they need to know DIY for a house they’ll likely not own?
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they are learning laboratory skills, which involves handling stuff, some of it glass some of it nasty chemicals… they are quite frightening to watch…
left the forum March 20230 -
My first lab at university was glass making, I was so hungover/still drunk that I fell into a bin full of sand and then smashed a pot full of molten glass onto the floor.
With hindsight, I wonder why they let me continue after I climbed out of the sand bin 🤔
I think I slightly improved from there though...
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Fair enough.
Older generations wonder why current 30 somethings can’t do DIY but that’s because they’ve been renting so why would they need to.
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I suspect that's just old people being curmudgeonly.
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Didn't a lot of millennials receive relatively cheap university education whilst the zoomers get to pay a lot more?
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The DIY thing is part of a wider cultural shift away from being self reliant. Older generations learned to do things for themselves, and a focus on practical life skills was just more of a part of cultural value and the norm.
I think the prevalence of technology is also relevant with younger generations, there is a mindset that there will always be an app to take care of things. Once the problem cannot be solved with your phone, you are stuck!
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I'd agree with this. We've moved from "waste not, want not" to a disposable society.
The above may be fact, or fiction, I may be serious, I may be jesting.
I am not sure. You have no chance.Veronese68 wrote:PB is the most sensible person on here.0 -
shouldn’t that be one more reason to put some effort into it?
left the forum March 20230 -
It would be interesting to get your perspective on this Ugo. I worked in an admin capacity at a red brick for a few years, so not directly with students. The general consensus amongst academics seemed to be that the higher tuition fees gave students a sense that they were effectively paying for a degree. The result seemed to be that they almost saw the student/tutor relationship as that of being a 'client' where they expected academic staff to do half the work for them.
Is this a fair assessment or is it a bit more nuanced than that?
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Students have never been renowned for their hard work.
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to some extent it is true. They certainly have raised their expectations and the balance is now in favour of what I should give to them, rather than what they should put in. Shame is no longer something that belongs in the students dictionary and it is not uncommon to receive an email the day before an exam asking for suggestions on which textbook I would recommend to revise… or students missing tutorials only to then ask for one to one sessions to go over the material covered in the tutorial. Interestingly, asian students who pay 3 to 4 times as much as domestic students seem to have more realistic expectations.
left the forum March 20231
