Owning your home.

[Kompany Car]

But an expert in makeup could make a pretty good career for themselves, even if they didn't work in TV. It's a half a trillion dollar industry. Look at the proliferation of makeup Youtubers, some of who (admittedly a very lucky minority) make a fortune on brand deals and endorsements.

The idea that a particular degree means a guarantee of success is the sort of attitude that leads so many to fail. I know three people who did a law degree and only one ever worked in law, because she was very career focused (and had a few connections). The others almost thought that a law degree would get them a job in the legal industry by default, and it didn't work out like that (and they didn't qualify from shit unis either). Meanwhile, I've got a friend who studied film and TV, worked really hard, really applied himself, and after university carried on that attitude. He now works as a producer-director. I have another friend who did the same course and worked for a while for the BBC, but then decided to move sideways into a more comfortable office role. Based on their respective work ethic at university, their career paths don't surprise me. And talking about film and TV studies, who would have thought in 2002 that 20 years later, every company on the planet would be wanting constant professional video content. Something that was seemingly a ridiculous choice at the time has become a huge growth area. Another friend of mine studied French, transitioned to ESL teaching, and then used that linguistic knowledge to retrain as a speech therapist, who now helps people learn to speak again after a stroke. You never know where your education is going to lead, except that for most people, it's not into the field you're actually studying for.

What you’ve basically identified is that if you don’t have a strong work ethic then regardless of what you do, you are unlikely to be successful. What was Thomas Edison’s saying …Genius is 1% inspiration and 99% Perspiration.

 

[Kompany Car]

If he’s anything like as expensive as the plasterer I recently employed, he’s loaded too.

 

[KS55]

I bought my first house at aged 23. Three bedroom semi, quite small, good area. Cost £4,200. O tempora, o mores.

 

[Blue Maverick]

Exactly what I've told them, I've got experience in the rental market so could guide them but he wants everything perfect and that aint going to happen at their age on their wage.

Trouble with the younger generation (sound like my dad) not willing to work their way up, I see lads with £350 a month lease cars or couples who want brand new 3 bed in suite houses etc in a nice area. I’m not knocking their ambitions but they live in a dream world

 

[Scottyboi]

Trouble with the younger generation (sound like my dad) not willing to work their way up, I see lads with £350 a month lease cars or couples who want brand new 3 bed in suite houses etc in a nice area. I’m not knocking their ambitions but they live in a dream world

Lmao pure bollocks, 3 bed terrace houses in moss side going for 275k ffs. I only got on the property ladder through pure luck discovering matched betting in it's prime.

You see lads you know and think your anecdotal evidence applies to the whole country.

 

[Scottyboi]

You miss the point. While child allowance does indeed not pay the costs, by claiming it she preserves her main benefits which cannot be withdrawn under these circs. Dont know what the new rules are under Universal benefits.

Can only claim for 2 children now if born after 2017 and the benefit cap is 25k roughly. They aren't rich and the waiting list for council houses are ridiculous, you have people who live in council houses on their own who haven't downsized and families of 4 stuck in 2 bed flats.

 

[kinkyblue]

Lmao pure bollocks, 3 bed terrace houses in moss side going for 275k ffs. I only got on the property ladder through pure luck discovering matched betting in it's prime.

You see lads you know and think your anecdotal evidence applies to the whole country.

He’s right! Plenty of affordable terrace house near me but the youngsters wi t buy them

 

[Corky]

Can only claim for 2 children now if born after 2017 and the benefit cap is 25k roughly. They aren't rich and the waiting list for council houses are ridiculous, you have people who live in council houses on their own who haven't downsized and families of 4 stuck in 2 bed flats.

Benefit Cap went down to £20k in from £26k at the end of 2016 goes up to £22,020 in April, its first rise and a one off. Council Tax Support is extra though.

People are unlikely to hit the benefit cap with new families due to the Child Tax Credit changes and the Family Element (first child being more) in the 2017 changes.

 

[inbetween]

It's simply not true though. Okay, maybe medicine is a safe bet, but a lot of these job-related degrees, that have a clear highly-paid role attached are massively oversubscribed. We graduate far more law students than there are jobs in that field. The same with economics. The same even with engineering graduates, 75% of who will never work in engineering.

The issue is that tuition fees and the resulting debt create a system where personal monetary gain is the sole factor that people consider when choosing a degree (understandably, perhaps). Which means people gravitate towards the degrees that have a clear job attached (I see this all the time in Asia, where parents typically pay for the degree out of pocket - no-one studies maths or the sciences, they study finance, accounting, business studies, etc). But because everyone does it, they become massively oversubscribed and employers can suddenly pay lower wages because of the glut of graduates. How many taxi drivers in India do you reckon have a degree in IT engineering?

The finance industry is the biggest thing holding the UK back in my opinion, certainly in terms of progress and industry.

I know so many really bright people who did engineering, robotics, physics and you name it but they now work for consulting companies like EY or big banks. These companies basically take the best talent and those people then spend all day consulting and coming up with ideas to help companies avoid tax or be more efficient. It's probably boring and crap work but they get paid double what they'd get in any other industry.

I work in engineering and we really struggle to get people, I seriously doubt the finance industry has this problem because the money is there and they have other advantages. Let's face it as well, if you need to take the best from abroad to fill the gaps then it's far easier for big banks in the city of London to recruit vs an engineering company in Lancashire.

 

[frothy]

I bought my first house at aged 23. Three bedroom semi, quite small, good area. Cost £4,200. O tempora, o mores.

Our first house was £8,000 brand new, my wife was a nurse at Ashton hospital and i worked in Mossley, the house was near the Heroes of Waterloo pub on the border between the two towns, happy days