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ScottR96

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I don't know. But I'm making a generalised point.
People who have money to give their weans enough for a house deposit have generally already provided them a very good start in life. It's not about having a 'perfect' life, it's about being handed a massive head-start in life and then onto the property market. It's fundamentally wrong. HKHibee's kids are starting the 100m race of life about 50m ahead of a lot of their peers. There's no reason for that. It's wrong. I don't understand how anyone could sit back and consider that and be genuinely ok with that. Certainly not someone who actually has a grasp of what social justice is.
Again, it's nothing personal with HKHibee at all. He don't make the roolz etc.
'I know loads of people who...' just distorts the conversation. How wealth moves, or, more accurately doesn't move, around our society is extremely well attested to. The odd anecdotal outlier is irrelevant.

Aye I don’t really understand why it’s fundamentally wrong to help your children out with a house deposit, especially considering the current state of the market. Someone chucking a relatively small sum to their kids is pretty small fry. I agree there needs to be a fundamental change to reduce wealth inequality but it’s at a completely different level to what I mention above.

Stuff like a wealth tax (say over x number of million), proper business tax on companies like Amazon and Google and changing capital gains tax to be equivalent to income tax rates are the kind of things needed
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Just now, Aufc said:


Aye I don’t really understand why it’s fundamentally wrong to help your children out with a house deposit, especially considering the current state of the market. Someone chucking a relatively small sum to their kids is pretty small fry. I agree there needs to be a fundamental change to reduce wealth inequality but it’s at a completely different level to what I mention above.

Stuff like a wealth tax (say over x number of million), proper business tax on companies like Amazon and Google and changing capital gains tax to be equivalent to income tax rates are the kind of things needed

First pensioners and now ordinary working folk are in the firing line - the Tories must be loving it if they are reading these posts.  

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8 hours ago, craigkillie said:


The point is not to move HKHibee's kids (or anyone else's kids) 50m back to the start, but instead to bring the rest of society 30 or 40m forwards towards them. "The state" in its current form is almost exclusively run by and for the benefit of people who have themselves had that headstart, so it's baked into the system, but if that headstart was no longer there then there is likely to be also an attitude shift in terms of what the state is there to do.

Your family still sees the benefit of "working hard" (a questionable term in itself because there are plenty of folk running themselves into the ground just to keep their heads above the water) even without having to also reap the direct financial benefits of inheritance. My dad was the first in his family to go to university, and he ended up having more options in his life than his dad did because of that. My dad's education got him a good job as a teacher and that comfortable upbringing meant I ended up with more opportunities than he did, even if I was still in a town and school where most people didn't go to good universities. Now my own daughter will most likely have what will ultimately be a very privileged childhood and will have access to even more opportunities than me as a result - for example going to a (state) school where people regularly end up going off to study medicine, law and the likes. None of that came from any of us passing down a family fortune or inheriting property or so on.

I’m assuming it’s a bit hard and probably a bit expensive to pull everyone 30m to 40m forward. Why don’t you want to move them 50m forward? What does pulling them forward 30m to 40m look like?

You’d need to have everyone working in jobs that pay enough for a good standard of life but which also leave enough time to raise a family. This in a country where it used to be fine to live on one parents salary, but where now both parents need to work to have a decent standard of living.

You’d have to try and eradicate drink and drugs in a country that has areas of social deprivation that are badly affected. You’d have to tackle social deprivation and long term unemployment and hopelessness and try and bring people back into the workplace.

This would be happening set against a backdrop of war in Europe, Brexit complications, Covid resumption complications, the country being £2.5 trillion in debt and still running a deficit, and governments both at Westminster and Holyrood who don’t appear to be the most competent.

You’d have to do all this at the same time to bring everyone 30m to 40m forward. It seem quite a difficult task and I’m not sure where Scotrail feature in it all. Maybe if they can help by making train drivers wealthy it’ll be the first 1 metre forward.

I’m not sure what this has to do with the first generation who might actually stand to inherit a house and a bit of money. In the unlikely scenario that the house isn’t flogged to pay for their parents care home bills, it’ll be sold off and split between the remaining family. The inheritance tax will get whatever is left above the threshold which probably won’t be much if you live somewhere like Kilmarnock or Kirkcaldy.

Edited by Scary Bear
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Inherited wealth is a fundamental pillar of Conservatism in the UK, you just need to look at the combined wealth of the current cabinet to see that. It is quite literally what they live for, to continue the family wealth through the lineage. Anyone who thinks a Conservative government is going to massively increase inheritance taxes is deluded. You can ideologise all you want, it's fantasy land stuff.

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43 minutes ago, hk blues said:

First pensioners and now ordinary working folk are in the firing line - the Tories must be loving it if they are reading these posts.  

It’s classic divide and conquer stuff.

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Anyhoo, me and the ranters arrived in Waverley at 1305 for our 1400 train to London yesterday, only to have to join a queue like a Soviet bread handout, and only got on a train at 1530. 

Not Scotrail's fault, rather the dipstick HGV driver who crashed onto the line at Wallyford the day before.

The upside was that seat reservations were canned, so at every station down the line, I got to witness people getting on and having pointless arguments with other people "who were in their reserved seat".

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10 hours ago, Day of the Lords said:

Starting your own business is a massive gamble which essentially has to pay off within 12 months, or you're fucked.

Only if you try to run before you walk.

Anyone considering starting their own business should be building it up on the side (preferably from home) as they continue to earn from whatever job they have.  Quitting your job to go self employed without some money behind you to support that would be absolutely insane.

The main barrier to self employment is not financial. It's time, motivation and a wilingness to slog.

You can get virtually everything you need to setup for free if you are prepared to train yourself from the wealth of free videos, advice and information out there. If you are providing a service rather than a product, there can be almost zero upfront cost. There's never been a better time for doing all of this with the advent of the internet. YouTube has been an absolute godsend in that regard. If you are prepared to learn for yourself, there's enough free videos out there to create a website from scratch yourself, all the marketing you could ever need, graphic design for branding, leaflets and logos including all the tools needed to do so for free and a wealth of other things which up to recently you used to have to pay experts to do for you. If you are prepared to do everything yourself you can get going for almost zero money.

People fail in business because they either try to throw money at everything instead of time and end up broke, or they find themselves unwilling or unable to invest the effort, or less frequently, they can't figure out how to get the phone ringing and lose heart.

Edited by oaksoft
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49 minutes ago, Boghead ranter said:

Anyhoo, me and the ranters arrived in Waverley at 1305 for our 1400 train to London yesterday, only to have to join a queue like a Soviet bread handout, and only got on a train at 1530. 

Not Scotrail's fault, rather the dipstick HGV driver who crashed onto the line at Wallyford the day before.

The upside was that seat reservations were canned, so at every station down the line, I got to witness people getting on and having pointless arguments with other people "who were in their reserved seat".

Sorry to be the bearer of bad news, but this is now the Inheritance v Social Justice thread. 

48 minutes ago, Inanimate Carbon Rod said:

Controversial opinion but id just rather my parents spent all their money while they are alive, they gave my brother and I a good upbringing and everything so I dont expect a penny from them?

I also don’t expect a thing from my parents but it’s their house and money so it’s their call what they want to do with it. If they want to spunk it, fine. If they want to give it to charity, fine. If they want to see their family right, also fine. The state get what’s left.

Edited by Scary Bear
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Controversial opinion but id just rather my parents spent all their money while they are alive, they gave my brother and I a good upbringing and everything so I dont expect a penny from them?

Same. My dad hasn't been in great health over the last few months and I asked my mum when he can retire. She said he reckons 10K more will be enough. I suggested they sell their house to one of those companies who let you stay until you die. Her response was that they'd have nothing to leave us. The house will be worth about 60-80K. I said I'd rather dad could get retired early than expect a handout when they die.
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8 hours ago, Left Back said:

What is defined as an acceptable head-start in life?

Some kids are born thick.  Some are born lazy.  If the idea is to handicap everyone to bring them down to the lowest common denominator how do we deal with thick and lazy?

Some are born truly disadvantaged. Physical and/or mental disadvantages (if I’ve used a politically incorrect term I meant no offence).  How are we levelling the playing field there?

Unfortunately life isn’t, and can never be, truly fair.

That's just a few of the problems with this weird "morally good" position that Vincent is talking about.

IMO, the only people who want people to lose their inheritance are those who don't have one and are jealous or those who don't financially need it because they already have everything they want without it. Either way, you can't trust the motives of anyone espousing views like that IMO because it's not coming from a place of social justice. It's coming from a place of jealousy or indifference.

Nobody will ever convince me to hand over my estate to the general public purse instead of my kids.

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1 minute ago, 19QOS19 said:


Same. My dad hasn't been in great health over the last few months and I asked my mum when he can retire. She said he reckons 10K more will be enough. I suggested they sell their house to one of those companies who let you stay until you die. Her response was that they'd have nothing to leave us. The house will be worth about 60-80K. I said I'd rather dad could get retired early than expect a handout when they die.

Absolutely, i just want them to enjoy their life, the only thing I want to inherit is the photo album. 

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9 hours ago, craigkillie said:

A tax reform like this would not be implemented in a vacuum, the sort of government who would propose it would do so as part of a suite of policies specifically designed to do that.

That's all well and good but we both know that history tells us the money would be spunked on something unrelated to social equality.

There is inequality in our country because nobody wants it to be any different. The middle earners don't want to pay for it, those just above the bottom don't want "lazy b*****ds" taking food off their own table when they slog for it and the people at the top think those at the bottom are there because that's the natural order of things. That's why the country keeps voting Tory and why Labour do almost nothing to rock this boat on the odd occasion where they are elected into power. I remember the general uproar when Labour brought tax credits in. 

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10 hours ago, SweeperDee said:


From my experience around 50% of conductors are dour faced c***s, the other 50% are sound.

50% sound is a bit generous.

Unless by sound you mean just waltzing through the train shouting "tickets please" then ignoring all tickets.

At least they earn their millions 

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2 minutes ago, Sergeant Wilson said:

Indeed, I started at the bottom and liked it that much, I stayed there.

Nothing wrong with that. Some of the happiest and most content people on the planet are those who have zero material possessions.

Too many people in our society buy things they can’t afford to impress people they don’t even like. 

I blame Thatcher and the Tory policies of the 80s for the greed is good ideology. 

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Regarding inheritance I heard a good story about a financial adviser meeting up with one of his clients who was 80 and turned up in a brand new top of the range Porsche. He asked him why he bought this car. The auld guy said “well when I die my son will only go out and buy this, so I thought I might as well get a shot first”.

Maybe we need an “inheritance tax” and a “when I die” thread.

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12 hours ago, Todd_is_God said:

I'm not entirely convinced the real problem here is children inheriting modest homes in newbuild estates from their parents.

Most would surely sell them to pay off their own mortgage, thus both returning the house to the pool of available housing, and freeing up money for them to re-invest in the economy?

Go and take a look at how many modest  homes in newbuild estates are rental properties.

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