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September 18 2021 8.44am

Workers to pay for social care

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View Spiderman's Profile Spiderman Flag Horsham 09 Sep 21 7.06am Send a Private Message to Spiderman Add Spiderman as a friend

Originally posted by jeeagles

It's a nice area. They've built a lot of flats round and about so young people can get on the housing ladder.... unfortunately, they haven't built any new houses so slightly less young people can't move out.

Then huge amounts of housing stock in the area is taken up by empty nesters. Looking at my parents roads, at least half the houses are 3/4 bedroom with retired couples in them.

Whilst I may be completely heartless, if my parents had to sell their house to fund care then it wouldn't be the end of the world. They have no mortgage left.

Another, option would be to refinance the house on an interest only mortgage to pay for funding, then sell it when they pop their clogs.

They are asset rich, it would help free up housing stock, it might slow down the constant rises in house prices, it would end this cycle where future generations would have to keep taking on the financial burdens of future generations.

Although, this idea might not work outside of the south east of England so may require some tweaking.

Your 2nd and 3rd paragraph are interesting, as we had a similar conversation recently. In our road I would estimate that 50% of the properties are occupied by 1/2 people, many 4 bed houses, several also own other properties as well. They indeed should finance their own care IMO. My 91 yo mother in law lives in a 3 bed detached house, obviously mortgage free, despite my wife losing her inheritance, we both agree any care should be self funded.
With regard to housing, Horsham District Council are planning even more large developments, but you never see the “affordable “ housing they promise

 

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View manwitheagletattoo's Profile manwitheagletattoo Flag Somewhere in England 09 Sep 21 7.59am Send a Private Message to manwitheagletattoo Add manwitheagletattoo as a friend

To be honest it was inevitable that some where down the line money was going to be clawed back and taxes would rise. What I cannot understand is companies like Amazon uk and others that pay very little tax but make huge profits in this country. If these mega companies paid their due then, I not saying it would cover tax hikes but it seems as always one rule for them another for the working class.
Morrison’s this morning have reported that food prices are going to rise because PROFITS have fallen 43% PROFITS so they still made 57% profit. They want to think themselves lucky I know two people who’s business has gone down the pan because in the height of the lockdowns the council still expected them to pay their rates and rent on time with no concessions.

 


South London & Proud
Sometimes I really wonder if family are really worth it.
Because it doesn’t matter how time and affection you give
It’s never enough

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View Forest Hillbilly's Profile Forest Hillbilly Flag in a hidey-hole 09 Sep 21 8.09am Send a Private Message to Forest Hillbilly Add Forest Hillbilly as a friend

yet again, working people are being hit hardest.

There might be some crumbs of comfort if Social Care was going to operate as it was intended to.

Even screwing the working person, is inevitably going to lead to a sharp decline in social services as the rich get richer.

 


,.,.,..,

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View EverybodyDannsNow's Profile EverybodyDannsNow Flag SE19 09 Sep 21 9.38am Send a Private Message to EverybodyDannsNow Add EverybodyDannsNow as a friend

Originally posted by Spiderman

I agree. My daughter and her boyfriend are both Senior Spacecraft Engineers, so earn good money. My daughter left University with well over £50k in debt, which has interest added as well.
They work in Guildford so have to live within relatively easy reach, as they are on call. She has a flat (purchased with a mortgage and help from mum and dad) but they are struggling to upgrade to a house, even with their income

It's a really good example - if two people earning that well can't buy a house, there really is no hope for the vast majority.

 

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View Hrolf The Ganger's Profile Hrolf The Ganger Flag 09 Sep 21 9.50am Send a Private Message to Hrolf The Ganger Add Hrolf The Ganger as a friend

Originally posted by DanH

Claiming someone has been ‘indoctrinated’ when there’s a wealth of academic studies out there on the housing market just makes you look like an arrogant and ignorant tit you realise, don’t you?

Academic studies?

And what do they tell us?

Price is linked to demand, and demand is not being met. Therefore, prices are rising much more rapidly than wages, which have stood still because of high employment.

What is funny is that you were told this would happen with such a high influx of immigrants, and now it has, you still won't accept it.

By the way, have you notice that so called academic studies are not always entirely unbiased. I wonder why that could be.

 

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View DanH's Profile DanH Online Flag SW2 09 Sep 21 10.11am Send a Private Message to DanH Add DanH as a friend

Originally posted by Hrolf The Ganger

Academic studies?

And what do they tell us?

Price is linked to demand, and demand is not being met. Therefore, prices are rising much more rapidly than wages, which have stood still because of high employment.

What is funny is that you were told this would happen with such a high influx of immigrants, and now it has, you still won't accept it.

By the way, have you notice that so called academic studies are not always entirely unbiased. I wonder why that could be.

Price is linked to both demand and supply. There are many, many factors which impact both. It's basic economics, not rocket science.

Immigration is a factor which affects demand, which has a knock on effect on price, but it is by no means the only or even the strongest one.

 

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View Hrolf The Ganger's Profile Hrolf The Ganger Flag 09 Sep 21 10.23am Send a Private Message to Hrolf The Ganger Add Hrolf The Ganger as a friend

Originally posted by DanH

Price is linked to both demand and supply. There are many, many factors which impact both. It's basic economics, not rocket science.

Immigration is a factor which affects demand, which has a knock on effect on price, but it is by no means the only or even the strongest one.

But it is, because a town's worth of people arrive here every year. We cannot build houses fast enough.

If your ideological persuasions disallow you from seeing this, then I will not persuade you.

The people that need persuading are those that are capable of objectivity.

 

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Yellow Card - User has been warned of conduct on the messageboards View BlueJay's Profile BlueJay Flag UK 09 Sep 21 10.26am Send a Private Message to BlueJay Add BlueJay as a friend

Originally posted by Forest Hillbilly

yet again, working people are being hit hardest.

There might be some crumbs of comfort if Social Care was going to operate as it was intended to.

Even screwing the working person, is inevitably going to lead to a sharp decline in social services as the rich get richer.

Yes, I can't help but think there must be a better way of bringing this in that doesn't hit those on low wages. Government are definitely more concerned with not hitting their rich mates disproportionately, than they are the poor. The trouble is, it's not like any of the other parties are genuine parties of the working man either nowadays.

 

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View DanH's Profile DanH Online Flag SW2 09 Sep 21 10.45am Send a Private Message to DanH Add DanH as a friend

Originally posted by Hrolf The Ganger

But it is, because a town's worth of people arrive here every year. We cannot build houses fast enough.

If your ideological persuasions disallow you from seeing this, then I will not persuade you.

The people that need persuading are those that are capable of objectivity.

This current trend of absolute wilful ignorance is staggering. You're so entrenched in your views that you don't even want to consider anything else.

 

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View PalazioVecchio's Profile PalazioVecchio Flag south pole 09 Sep 21 10.49am Send a Private Message to PalazioVecchio Add PalazioVecchio as a friend

Originally posted by DanH

This current trend of absolute wilful ignorance is staggering. You're so entrenched in your views that you don't even want to consider anything else.

you are holding up a mirror to yourself there DanH.

Does the fact that so few Hol-Eagles ever agree with you not nudge you out of your Lefty Torpor ?

 


Eagle with SE19 altitude

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View dreamwaverider's Profile dreamwaverider Flag 09 Sep 21 10.55am Send a Private Message to dreamwaverider Add dreamwaverider as a friend

Originally posted by DanH

1.25% point increase on employees’ and employers’ National Insurance Contributions, a 10% increase on current rates, to pay for state subsidised social care. Given that it’s only those employed and their employers that pay this tax and no one over 65, whether employed or not, pays it or not, is this fair? Unearned income such as rental profits, dividends, interest etc. not subject to NIC. A tax that only hits the younger, working, less wealthy population.

Given the demographic on here I’m sure you’re all delighted my generation will be working the next 30 years to pay for someone to wipe your arse in a couple of year’s time but thoughts on here? A manifesto pledge broken by Johnson but does anyone give a sh*t what he does or doesn’t do or say?

Edited by DanH (07 Sep 2021 5.37pm)


Dan, as I’m sure you know NI is merely another employment tax. It is obviously a con as it should have been absorbed under PAYE years ago. However government has always left it dangling so they can claim employment tax is lower than it really is. So based on this, the percentage increase on the tax on your employment overall is neare 2%. Surel you and everyone else didn’t think we would get away without tax hikes to cover the cost of covid regulations did you?
All part of th big reset. I shouldn’t get too stressed. There will be more to come.

 

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View dreamwaverider's Profile dreamwaverider Flag 09 Sep 21 10.57am Send a Private Message to dreamwaverider Add dreamwaverider as a friend

My prediction is that this will hugely damage what is left of social care and dilute services to virtually nothing.

 

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