Make me see sense

[conaero]

This is interesting, young Matty. In our yoof we were encouraged to get a foot on the housing ladder, often with a >100% LTV mortgage. Now, the poor buggers can't even get a toe on because the average house price in the UK is £227k and the average full-time salary is £35k. At a 3x salary multiplier, today's yoof would need to save £120k in cash before they could buy the average house on their average salary. So they may as well go and lease a daft car and spunk it all on the latest Apple stuff.

Still, it's certainly true that the world is massively overpopulated. I quite like it here, though, and I'm looking forward to LM 2020, so I won't yet be volunteering for the cull.

Indeed, I do sympathise. But, with 2 people and 2 salaries, it is still achievable according to your man maths.

Suppose the sensible thing to do is to start to syphon money from the parent estate fund to get the kids house started (2 kids in one house, half each) and let them have it early rather than later.

 

[Felonious Crud]

Indeed, I do sympathise. But, with 2 people and 2 salaries, it is still achievable according to your man maths.

Suppose the sensible thing to do is to start to syphon money from the parent estate fund to get the kids house started (2 kids in one house, half each) and let them have it early rather than later.

We told ours, the ridiculous holidays we have all had over the years is their inheritance. They have consistently voted for ridiculous holidays and promised to work hard at school / uni so we can be confident they'll get decent enough jobs to afford a shower-proof cardboard box under Waterloo Bridge.

 

[Felonious Crud]

Kinda confirms the bubble theory eh fc? When we were growing up at least we had a chance of buying our first house.

Yeah, it's the truth. London house prices are nuts. The rental market is starting to soften now.

 

[Wattie]

Indeed, I do sympathise. But, with 2 people and 2 salaries, it is still achievable according to your man maths.

Suppose the sensible thing to do is to start to syphon money from the parent estate fund to get the kids house started (2 kids in one house, half each) and let them have it early rather than later.

So we’ve gone from a hard working individual with a family...able to afford a house.
To
Two hard working individuals ......just to get on the ladder.

And, we may even require the “gifting” of inheritance money to assist that,...

Assuming it’s not needed for old age care for those elderly...if indeed there is an inheritance.

Am I the only one here who thinks something isn’t quite right?

 

[Wattie]

Yeah, it's the truth. London house prices are nuts. The rental market is starting to soften now.

Property in general is nuts the world over....Sydney.
Perhaps too many people who couldn’t afford to buy were lent too much money for what they could afford.

 

[rockits]

So we’ve gone from a hard working individual with a family...able to afford a house.
To
Two hard working individuals ......just to get on the ladder.

And, we may even require the “gifting” of inheritance money to assist that,...

Assuming it’s not needed for old age care for those elderly...if indeed there is an inheritance.

Am I the only one here who thinks something isn’t quite right?

Nope...I agree it is all wrong. House prices have become inflated and too high. Classic car and even average car price are silly.

We are over consuming everything....food...raw materials.

It is like the planet is going on a massive bender and blowing all the cash it has on beer and girls. At least when you do that with cash one night and have no money left to get home you just walk home and still have your asset....car, house etc. the next day.

We are doing this and spending all our assets as well so their will be nothing the next day. Sensible....NOT!

Sounds controversial but I think we should limit families to 2 children max. Would then make the average less than 2 meaning a reducing population. The answer isn't to keep building stuff to accommodate the growth and that growth is good. The answer is to halt and reduce the growth.

Are some of us on here the only few seeing the obvious here. I am no rocket scientist but just a logical person with some basic rational and logical thinking.

We need to be more content with what we have without this ridiculous necessity and desire for more. When is enough enough?

 

[outrun]

Crumbs. BoJo has been in office for two days and SportsMaserati policies have shifted to the right somewhat. Limiting the number of kids one can have is and interesting idea however I suspect the Millennials would go a bit crazy and chain themselves to London landmarks in protest. Actually, they're already doing that so maybe it's a good time to squeeze through such a policy.

Hopefully the church won't notice....

 

[rockits]

There are just too many rules, regulations and religions that are too outdated for me. The stuff that worked 100 years ago won't always work now. Why would it.

I'm a supporter of no particular political party or religion or anything really as.none of them give me what I need 100%. I just do what I need on my own.

You know what is criminally and importantly morally right and wrong. You know what works and what doesn't. A majority of stuff is not that hard to work out and is just logical and just sense.

I'm fed up with complexity and complex stealth taxes. Just work out what we need and tax accordingly. If we don't and the numbers don't work we won't get what we need thus shortfalls in services are evident.

You get out what you put in. You can't buy and run a Maserati on Mini money....well you can....but you get my point!

There is far.to much choice and complexity which is why stuff is so ineffecient. Why don't we just go back to making stuff simpler and easier.

Take cars for an example. Do we really need keyless entry or boots that open when you waggle a foot under them? No....of course we don't! Then why don't we stop doing the stuff we don't need to do and concentrate those resources, time and money on stuff we do need to do. Such as dealing with pollution and climate change....and quickly!

 

[Hurricane52]

There are just too many rules, regulations and religions that are too outdated for me. The stuff that worked 100 years ago won't always work now. Why would it.

I'm a supporter of no particular political party or religion or anything really as.none of them give me what I need 100%. I just do what I need on my own.

You know what is criminally and importantly morally right and wrong. You know what works and what doesn't. A majority of stuff is not that hard to work out and is just logical and just sense.

I'm fed up with complexity and complex stealth taxes. Just work out what we need and tax accordingly. If we don't and the numbers don't work we won't get what we need thus shortfalls in services are evident.

You get out what you put in. You can't buy and run a Maserati on Mini money....well you can....but you get my point!

There is far.to much choice and complexity which is why stuff is so ineffecient. Why don't we just go back to making stuff simpler and easier.

Take cars for an example. Do we really need keyless entry or boots that open when you waggle a foot under them? No....of course we don't! Then why don't we stop doing the stuff we don't need to do and concentrate those resources, time and money on stuff we do need to do. Such as dealing with pollution and climate change....and quickly!

Too right. My day job usually involves replacing relatively modern technology (cement) with the mortars used when people built solid walled houses (lime). The modern technology traps moisture, damages them and reduces their value as assets. In Wales, this is a third of our housing stock. Ironically, many mortgage companies have been insisting on damaging them with damp proof courses, cement render, external wall insulation etc, before they lend money. I’m glad to hear now that this is changing with some lenders even refusing to lend on houses that have been damaged with cement. It’s all so simple. Just like hanging washing out to dry - water enters the thick walls and then leaves again as vapour when the sun comes out and the wind blows.

Bonus is that lime absorbs CO2 as it carbonates, meaning the planet benefits too.

Anyway, I had an afternoon off this week and took apart a 70 year old carburettor. Looked complicated, but wasn’t.

 

[rockits]

One of our modern issues is the disposal attitude of many. Just buy another one. We can often fix so much more with a bit of time and enginuity.

I am of course partly guilty of some of these modern issues but try as much as I can not to be wasteful, efficient and fix then re-use as much as possible.

I'm doing my bit to keep older cars on the road! I still believe in real terms many older but still modern cars leave a smaller global footprint over their life than disposing of to replace with new.

I'd love to see the 'real' stats around this as a comparison.

 

[jonny]

Sounds controversial but I think we should limit families to 2 children max.

I've often thought, given the growth in global population and the inevitable impact on resources, that some limit really should be introduced everywhere. Although 2 might be the mathematically correct answer, it is probably emotionally too Draconian so why not say 4 or 5 initially. It will have to happen eventually...

 

[Ewan]

So, just to clarify, if we limit ourselves to less children, we can raise the Aston Martin share price? Or have I misunderstood the thread?

 

[Felonious Crud]

So, just to clarify, if we limit ourselves to less children, we can raise the Aston Martin share price? Or have I misunderstood the thread?

Exactly. It means that instead of spending money raising very many children, we can buy new Astons.

 

[Wattie]

Exactly. It means that instead of spending money raising very many children, we can buy new Astons.

Yup every family should have 2.2 Aston’s.

 

[Zep]

Yup every family should have 2.2 Aston’s.

I think I’d prefer the 6.0 one like Crud’s.

 

[Wattie]

For those struggling to afford the running costs associated with 2 children and exotic luxury sports cars can I suggest a compromise.

Rename your children Aston and Martin and skip the car.
Instant cost savings.

 

[rockits]

Exactly. It means that instead of spending money raising very many children, we can buy new Astons.

You might be on to something there! Win-win for all.

 

[Hurricane52]

There are already too many Astons and too many children. The two must be linked. Perhaps it was the Corgi Toys DB5 which excited the current generation of Aston drivers when they were children. If there was a cap on children, we’d see fewer Aston Martins, making them more exclusive and more desirable again.

Maserati seem to have the right idea - sales slumping back towards last century numbers will increase exclusivity. Soon no-one will know our dirty secret.

When I met my wife, I had a photo of my Ghibli in my flat and I mentioned that the Maserati was my pride and joy. She thought I was talking about the piece of furniture the photo frame was sitting on.

 

[Felonious Crud]

If there was a cap on children, we’d see fewer Aston Martins, making them more exclusive and more desirable again.

I agree with your conclusion but not your analysis. In my experience, children with caps on are on their way to expensive prep schools, which surely limits the funds available to buy Aston Martins.

 

[CatmanV2]

I agree with your conclusion but not your analysis. In my experience, children with caps on are on their way to expensive prep schools, which surely limits the funds available to buy Aston Martins.

Surely children with caps on are sent up chimneys and down pits? <confused and returns to port and cigars>

C