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September 18 2021 8.35am

Workers to pay for social care

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View Teddy Eagle's Profile Teddy Eagle Flag 08 Sep 21 10.21am Send a Private Message to Teddy Eagle Add Teddy Eagle as a friend

Originally posted by Rudi Hedman

Yes, these are part of the reasons why home ownership is beyond reach of more than ever before, and it’s getting worse. And these reasons aren’t their fault, so just saying ‘’we had it hard too’’ when it’s much harder now, addresses nothing. In the ‘60s a couple in their 20’s could get on the property ladder, even if it was in need of repair. Absolutely no chance of that now until a decade later or more, sometimes never.

Edited by Rudi Hedman (08 Sep 2021 10.15am)

Rudi, I appreciate that sounded more unsympathetic than intended. My only excuse is a skinful of Staropramen.

 

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View Hrolf The Ganger's Profile Hrolf The Ganger Flag 08 Sep 21 11.12am Send a Private Message to Hrolf The Ganger Add Hrolf The Ganger as a friend

Funny how we now live in a country where we have to increase tax, where the young have no chance of buying a property and where wages have been stagnant for a decade. And yet we were told that mass immigration was the answer to our problems.

Wake up everyone. We are being screwed so the rich man can get richer.

A lack of housing is forcing up prices while wages are suppressed, and now we have to pay more to house all those new immigrants beaching on the shingle of Kent and the others who legitimately bring their huge families here and are housed at our expense. Let's not even get into the added expense for the health service on treating these people, many of whom you see filling up our appallingly run hospitals.

This is the Britain that Tony Blair gave us and that no government since has reversed.

Do you ever feel like you have been had?

 

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View DanH's Profile DanH Online Flag SW2 08 Sep 21 11.25am Send a Private Message to DanH Add DanH as a friend

Originally posted by Hrolf The Ganger

Funny how we now live in a country where we have to increase tax, where the young have no chance of buying a property and where wages have been stagnant for a decade. And yet we were told that mass immigration was the answer to our problems.

Wake up everyone. We are being screwed so the rich man can get richer.

A lack of housing is forcing up prices while wages are suppressed, and now we have to pay more to house all those new immigrants beaching on the shingle of Kent and the others who legitimately bring their huge families here and are housed at our expense. Let's not even get into the added expense for the health service on treating these people, many of whom you see filling up our appallingly run hospitals.

This is the Britain that Tony Blair gave us and that no government since has reversed.

Do you ever feel like you have been had?

It's really not that simple.

 

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Yellow Card - User has been warned of conduct on the messageboards View BlueJay's Profile BlueJay Flag UK 08 Sep 21 12.21pm Send a Private Message to BlueJay Add BlueJay as a friend

Originally posted by Tim Gypsy Hill '64

Whilst I agree with you about workers over the age of 65 and unearned income needing to be properly looked at in regard to tax/NIC, I take issue with the youth of today feeling hard done by on this issue. Every one of "the demographic on here" have had to pay for the last 30 years (and more) to wipe the arses of the older generation so what's the issue?

Also, it would be nice to feel a little appreciated for the 19 years of free health care and dentistry you were offered that we paid into for you.

There's some truth to that, thought clearly reality has to factor in to the point where we acknowledge that 'making your own way' for younger people now is much more difficult than generations prior. For various reasons owning their own home and the likes are unreachable dreams for many compared to past generations, and so expecting them to dish out more to people who already effectively lucked out into a more advantageous position is a bit rich.

I'm not sure expecting a virtual pat on the back for paying for someone braces to be fitted quite covers the vast challenges a 20 or 30 something has ahead of them compared to past generations. With that said, as with anything, it depends how this money actually ends up being used. If it genuinely does benefit society, then that's one thing. It it just ends up being another government cash grab with funds not even finding their way to the places they're needed then that's another.

Edited by BlueJay (08 Sep 2021 12.26pm)

 

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View Hrolf The Ganger's Profile Hrolf The Ganger Flag 08 Sep 21 12.23pm Send a Private Message to Hrolf The Ganger Add Hrolf The Ganger as a friend

Originally posted by DanH

It's really not that simple.

Isn't it?

So you think wage freezes, house prices and the cost of housing immigrants has nothing to do with mass immigration?
There is an issue with an ageing population, but immigrants get old too.

If you don't see the connection, then you are living in cloud cuckoo land.

 

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View Rudi Hedman's Profile Rudi Hedman Flag Caterham 08 Sep 21 12.58pm Send a Private Message to Rudi Hedman Add Rudi Hedman as a friend

I’ve read that the actual ‘care’ part of care home costs is about £400 per week. So as I think Maple says, 4 years and £86,000 in payments and you get care free. You will however have been spending another £600-£800 per week or £120,000-£160,000 in that time on accommodation etc and will continue to do so. Most in the south won’t notice the difference, that is if relative in care lasts more than 4 years. Oh and they don’t start to keep a score of these £400 payments until October 2023 so everything before is ignored.

Edited by Rudi Hedman (08 Sep 2021 1.02pm)

 


COYP

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View Stirlingsays's Profile Stirlingsays Flag 08 Sep 21 1.08pm Send a Private Message to Stirlingsays Holmesdale Online Elite Member Add Stirlingsays as a friend

Originally posted by Hrolf The Ganger

Funny how we now live in a country where we have to increase tax, where the young have no chance of buying a property and where wages have been stagnant for a decade. And yet we were told that mass immigration was the answer to our problems.

Wake up everyone. We are being screwed so the rich man can get richer.

A lack of housing is forcing up prices while wages are suppressed, and now we have to pay more to house all those new immigrants beaching on the shingle of Kent and the others who legitimately bring their huge families here and are housed at our expense. Let's not even get into the added expense for the health service on treating these people, many of whom you see filling up our appallingly run hospitals.

This is the Britain that Tony Blair gave us and that no government since has reversed.

Do you ever feel like you have been had?

Excellent points.

A whole generation screwed without even getting the taxi cab fare home.

The 'I'm alright Jacks' are the same as they ever was....until it comes for them.

 


'Who are you and how did you get in here? I'm a locksmith. And, I'm a locksmith.' (Leslie Nielsen)

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View Mapletree's Profile Mapletree Flag Croydon 08 Sep 21 7.33pm Send a Private Message to Mapletree Add Mapletree as a friend

Originally posted by Rudi Hedman

Could you break this down please?

How much of the costs incurred by someone in either type of care are counted towards the £86,000 that then become ‘free’ (to them)?

What are the amounts you’re using?

Full costs for both types of care?

Amount that goes towards the £86,000 in both types of care?

The rest that doesn’t go towards and they’ll be paying for however long they live in both types of care?

I’ve sort of assumed it’s £1,000 or £1,200 (after govt aid) per week at full cost.

Example of Care Home with nursing and medium care needs.

£3,500 per month for Care, £3,000 for accommodation. Purley.

You get some back for Funding for Nursing Care (around £740) and Attendance Allowance (around £390)

Edited by Mapletree (08 Sep 2021 7.37pm)

 

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View cryrst's Profile cryrst Flag Chatham 08 Sep 21 8.39pm Send a Private Message to cryrst Add cryrst as a friend

Originally posted by DanH

Newly qualified graduates with student debt who earn over the £28k threshold now have a marginal tax rate of 42.25% with repayments taken into account. How is that generation ever meant to save to get on the housing ladder?

You can get a longer mortgage to suit your earnings. If getting on the housing ladder is really important then a longer mortgage will be suitable. Lower monthly payments which reduces the pressure. As earnings rise overpayments could be made which will being the term down.
Can you put the sum up which shows your figures. I don't think NI can be included tbh as all earning over 10k pay this.

 

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View DanH's Profile DanH Online Flag SW2 08 Sep 21 8.53pm Send a Private Message to DanH Add DanH as a friend

Originally posted by cryrst

You can get a longer mortgage to suit your earnings. If getting on the housing ladder is really important then a longer mortgage will be suitable. Lower monthly payments which reduces the pressure. As earnings rise overpayments could be made which will being the term down.
Can you put the sum up which shows your figures. I don't think NI can be included tbh as all earning over 10k pay this.

It’s not so much mortgage repayments that are the problem - it’s having the deposit. Quite often rent payments eclipse what a mortgage repayment would be on the same property.

A graduate on £28k annually would be paying tax @ 20%, NI @ 13.25% and student loan repayments @ 9%. Naturally there are allowances and thresholds before you start paying but that monthly net home barely leaves anything left after you have paid rent, bills and the cost of living meaning it’s nigh on impossible for young people to save anywhere near enough to get to the amount required to put down a deposit on a house.

 

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View DanH's Profile DanH Online Flag SW2 08 Sep 21 8.58pm Send a Private Message to DanH Add DanH as a friend

Originally posted by Stirlingsays

Excellent points.

A whole generation screwed without even getting the taxi cab fare home.

The 'I'm alright Jacks' are the same as they ever was....until it comes for them.

But they’re not excellent points are they? They’re a huge oversimplification of a hugely complex issue suited to his and your prejudices.

Blaming immigration solely is so, so lazy and all it does is highlight the kind of person you are rather than a rational, sensible grown up.

 

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View cryrst's Profile cryrst Flag Chatham 08 Sep 21 8.59pm Send a Private Message to cryrst Add cryrst as a friend

Originally posted by DanH

It’s not so much mortgage repayments that are the problem - it’s having the deposit. Quite often rent payments eclipse what a mortgage repayment would be on the same property.

A graduate on £28k annually would be paying tax @ 20%, NI @ 13.25% and student loan repayments @ 9%. Naturally there are allowances and thresholds before you start paying but that monthly net home barely leaves anything left after you have paid rent, bills and the cost of living meaning it’s nigh on impossible for young people to save anywhere near enough to get to the amount required to put down a deposit on a house.

But we are led to beleive that the fees payable for the education will allow you to earn at least 10% higher wages. That 9% is like a free hit. And I don't think the NI should be included as we all pay it. Basically it's 20 % tax like anyone under 50k. How much deposit is needed for a mortgage?

 

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