peteblue
Welcome back Wayne
Sexual contact takes many forms....
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Sexual contact takes many forms....
They still Lost.......
peteblue
Welcome back Wayne
The three degrees ........ with staples over their belly buttons......
You need to be more specific here mate.
peteblue
Welcome back Wayne
You’re the one who wrote the thesis and got the degree......
In seriousness, what exactly do you mean by "mickey mouse" degrees?
Ever heard the saying "The University of Life " ...........
We have been there done it practicall, and get criticised on here for being oldies and financially sound alledgedly- I know times are hard now - it's a myth itbwas easy for us my first mortgage interest rates at 11 percent.......
NilSatisOptimum
Player Valuation: £70m
You can't take a mortgage rate of whatever year, and state you have had it just as hard, there is raft of other factor's and outgoings to consider. Even the pathetic policy the Conservatives have introduced for first time buyers is recognition the difficulties in starting to own a home!
To be fair, I think most government education policies are stuck in the past, where the whole 'train>work>retire' model was practical. Kids being born today are likely to live until they're 100, and so to be able to afford even a relatively modest pension in retirement will need to work until they're 80 or so. That coupled with technology changes making the shelf life of skills so much shorter than in the past makes lifelong learning increasingly important.
As we've seen with attempts to regenerate towns like Corby though, the government has generally been utterly abject at helping people get the skills they need to thrive in today's economy rather than yesterday's economy, and a big part of that is that adult education has been the very poor relation to teenage education. The government simply haven't shifted their mindset from that 'train>work>retire' approach.
When you throw in the enormous signal that Brexit, along with Trump et al, has given us that there are a great many people who are unhappy with how things are in our globalised world, it is rather disheartening to hear Corbyn throw a massive bone to university students who are his natural supporters rather than doing anything to help those who struggle with globalisation adapt better. This needn't be expensive, as a paper published around Christmas by the Government Office for Science highlighted a number of barriers to participation in adult education by those who need it the most. Money was seldom at the top of the list, with culture, confidence, awareness etc. more to the fore, but whilst these are things that can be resolved, they will need a concerted effort that I'm not sure any party is looking to make, despite the huge signal they've received from the Brexit vote.
As we've seen with attempts to regenerate towns like Corby though, the government has generally been utterly abject at helping people get the skills they need to thrive in today's economy rather than yesterday's economy, and a big part of that is that adult education has been the very poor relation to teenage education. The government simply haven't shifted their mindset from that 'train>work>retire' approach.
When you throw in the enormous signal that Brexit, along with Trump et al, has given us that there are a great many people who are unhappy with how things are in our globalised world, it is rather disheartening to hear Corbyn throw a massive bone to university students who are his natural supporters rather than doing anything to help those who struggle with globalisation adapt better. This needn't be expensive, as a paper published around Christmas by the Government Office for Science highlighted a number of barriers to participation in adult education by those who need it the most. Money was seldom at the top of the list, with culture, confidence, awareness etc. more to the fore, but whilst these are things that can be resolved, they will need a concerted effort that I'm not sure any party is looking to make, despite the huge signal they've received from the Brexit vote.
As an aside, I can't remember whether it was this thread or another one, but UBI was discussed. The RSA have done some work on this to explore how people feel about the idea, and it's just been published. Might be of interest - https://www.thersa.org/discover/pub...ys-from-our-survey-on-basic-income-and-pilots
Look I staying for two years with my girlfriend now my wife without going out to raise a grand deposit- also do not forget in my day her earnings were not calculated for a mortgage - her income was ahead of mine - on finding a house to renovate with the help of her parents hands on advice etc - I scraped a mortgage with then negative income to spend for many years.....
We had second hand furniture first five years life was a drudge OK.......
Then I moved all over the UK with my qualications, and experience to better myself the house I live in now for last 30 years the interest rate was 8 percent in 1986 and a bigger mortgage!
Then my endowment mortgage fell short life was no easier in that era to now it's about mindset imo, and commitment to save and not expect brand new stuff - live in your means......
I do admit it is very hard today just as it was when my wife , and I started out!
Job security is harder now I accept that point!
I won't speak for the rest of the country Joe, but the typical new build 1 bed flat now is somewhere between £4-500,000. Lets be charitable and take the lower number. The average salary in inner-London is around £34,000. If you disregard things like student loans or other debts, you might be able to get a mortgage of around £140,000 with that kind of salary, or in other words, you can only buy a house outright if you have a deposit of £260,000, or 65% of the value of the property. If you want to look at it another way, it would take over 7.5 years to save that deposit if every single penny you earned went into saving for it.
How much was your deposit again?
neil999
Player Valuation: £80m
your out of touch mate, every previous generation blames the new generation for this kind of thing
its where all this milliannials are useless rubbish comes from
> Build more houses.
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