Disrespect of our Pensioner fan base

How ever did you cope. Young people these days paying well over 50% of their salary on rent with no dream of ever owning a home must be feeling really sorry for you having to pay a whole weeks wage on a mortgage.

You’re right young people these days just don’t care enough it’s all their fault they’re paid pathetic amounts and the housing market is ******. They should simply fight harder like you did.

 

When did houses start having their own washing machines? I remember the twin tubs when I was little

 

I don't begrudge the dustfarters getting a discount but let's not pretend it was harder back in the day to get by.

 

I'd say maybe later 80s?

 

For a lot of people it was, including ironically a lot of pensioners!

 

I'm talking about disposable income. And trying to point out it not all about property. We had far more of it to lay out on that than those of today. For such items.

 

Hmm strange thread this. I like Hooky and many others on here were kids from council estates. Outside loos and B&W tv..but ye property ownership was the dream and we worked hard to achieve it but dunt kno anyone who paid off in 15 yrs, 25 to 30 with 13 to 15 % rates. Witnessed how hard it is now through my Daughter buying her 1st house. Retired now and got a significant decrease in income but luckily no mortgage.. Should I get a discount ?.. well looking at the full price list today I dont think I'd be getting a season tkt but would do selected games like I did when the family was young and I was skint..

 

I found this thread reminiscent of the kind of voters parties such as Tories, ukip, reform etc look for, ie: voters who don't vote to make things better for themselves, but to make things worse for others.

 

Course the housing market is ***** and I wouldnt like to be starting out now. . But dont imagine for one minute we had it totally easy. Like some others are making out.
As a bit of perspective
I had a salary of near 3k when I got married.
1977 Less tax and insurance. Tax was 30% NI 5+%
Nett around £2.2k My mortgage was around £62pm (£700 pa) . Inc endowment which went tits up and I had to pay another £100 pm in later yrs
So around 1/3rd of my nett pay.1/4 of gross
Pay.
So please forgive me for pointing out everything wasn't plain sailing. And bear in mind I was better off than lots of others. But below average pay which was £3.5k.

I've never said young uns havent got it tough in the housing market. And neither have I said they can all afford to pay into a pension. I paid 6%-8% all my life into a pension. And to my knowledge I may have had no choice in the matter. (Glad I did either way). My advice is ONCE again to THOSE who can afford it. Do so. (NOT THOSE WHO CAN'T for who I have the deepest respect) And Start paying as soon as you can. or feel able. The rewards are far in front of savings. (Unless you were in Companies that went bust. But I believe that is covered now by the government to a big degree)

All companies out there have to provide a minimum 3% providing I believe, if you contribute the same. Some companies go way over that.
Eg YW match to 10% of salary
so at £30k
.£250 pm investment from YW
£250 from employee
Costing the employee £200pm in real terms.
Total investment £500 pm £6k per annum at a cost to the employee of £2.4k


If an employer contributes the minimum 3%
And you do yourself.
Eg
Total of £100 pm investment
Employer £50pm
Employee £50pm (actual only £40)

£1200 total pa
Employee £480

 

I hope to god season tickets are never based off income.

There’s plenty of people who’ve been self-employed over the years who have chosen not to contribute to pensions & have had a lot of cash income coming in who will now be living off of only state pensions where as people who’ve earned far less will have contributed into pensions through work & should get to enjoy the benefits of that now.

 

£1500 for an 8 year old cavalier in 1986? Bought brand new in 1978 it would have been about £2k or thereabouts. You are suggesting it hadn’t even close to halved in value in eight years. Are you sure?

I bought an eight year Old Ford escort in 2001 - 15 years later - and paid less than that

 

Good point. For 22 of my first 26 years as a Reds fan we were in the 3rd or 4th division.

 

I took out a mortgage in 1987 which cost me 55% of my take home pay. I did this because I wanted to live in the nicest house which I could possibly afford. I was paying 15% p.a. interest on the loan.

 

Sanctimonious in the extreme and the use of ‘snowflake’ given the offence you’ve taken without apparently actually reading the points raised properly sounds the irony klaxon loud and proud.

The season ticket thread has people on it suggesting that the discount given to oap’s is too high given the relative wealth of that demographic compared to younger ones. I made a lengthy post on the subject. And I stand by every word of it.

Read my post. What bit was ‘disrespectful’? The very suggestion that a group of people that won’t all have any financial need for such a massive discount might not warrant it, when it is subsidised by charging younger people, who are in many cases struggling much more?

The wealthiest people I know are all over 60. Every single one of them. Not ‘rich’. Not millionaires. But a damn sight more comfortable than most of the poor sods scratching round to make ends meet.

Tell me at what point in the seventies or eighties, with interest rates at 15% or whatever they were, when you still couldn’t get a mortgage as a joint applicant with two full time wages. Or you could, but it ate up nearly 50% of the joint net pay. That is the reality for a lot of folk.

I’m not in this bracket, but I’ve friends where both partners work full time, the ‘dad’ has a second job doing Uber eats, the ‘mam’ takes in washing and ironing - they still can’t save up to get out of renting. They have two kids, they couldn’t do anything much more to better themselves as they don’t have time or funding to retrain. Neither are on minimum wage, though not much more. They live hand to mouth. Haven’t a prayer of getting season tickets for football. (Not that they’d want to).

This isn’t exactly rare. It’s a reality for many people.

I’m not saying there aren’t pensioners that are struggling and don’t have a lot. Of course there are.

But I’d suggest that as a demographic overall, the average over 60’s have a better financial situation week to week and month to month than the average working family in this geographic area. As well as most others.

And with that in mind I don’t think the huge discount afforded is either fair or warranted.

 

Another point I would like to make, which some may regard as not strictly relevant, is that, in our early years, we old folk usually lived in far more humble circumstances than is the norm today. I started life in a 2 bedroomed terraced house with no central heating, no hot water and no inside toilet. I slept in my parents' bedroom, while my two brothers slept together in the small back bedroom. We had a tin bath hanging outside the back door and had to boil water on a a gas ring for our weekly bath. We shared our toilet, which was across the backyard, with our next door neighbours. Our house was ten minutes' walk from Barnsley town centre. We had no car, no telephone and no television. I had my first holiday, in Scarborough, when I was 16 years old. Some people may regard older folk as having it good these days, but we had a very Spartan life in our early years.

 

Great point.
Attacking pensioners per se' as if all are rolling in it cos they have houses paid for.
(And bear in mind those that have mortgages now will one day be in the same position. Those that can't get em for whatever reason excepted.) Are those to be exempt if on the breadline.
I am one of the fortunate ones to not have to really struggle to get by.
1.7 million live in poverty.

Not sure mate what I paid. As said.
I wrote it off a couple of yrs later and paid £800 for a clapped out escort to get me by.

Maybe this may be a pointer. Towards the cavalier.
Admitted a different model. A saloon
Can't remember the original exact model . But certainly not a convertible.

A five-seater convertible developed by Crayford Engineering, the Centaur – based around the 2-litre GLS coupe – was announced to the press in August 1978, costing £7,103 and backed by Vauxhall's factory warranty.

 

I actually started to write exactley the same but deleted it..I also put that from those humble beginnings we rose up to owning property and pensions without any help from parents (paid rent to council for 50 yrs wi nowt at the end) and unless social care takes it our kids will be in line for some proper payouts. Lvd mi owd Mam n Dad but they left nowt..

 

That's approximately my monthly spend at the Curry Mahal...

 

Since the 70's we have had an increasing population (55 million to 67 million), the same size country and not enough houses for everybody (even so, I don't think most people would want the land to plastered with housing estates as far as the eye can see). My next door neighbour pays £1100 for a terrace like mine, me with a mortgage from 2005 is paying £400 with about 5 years left to pay. They can't save fast enough for a deposit. In five years time, all being well, I'll be mortgage free. Youngsters are stuffed.

 

Isn't the pensioner discount more about loyalty and not income.