MySwag.org The Off-road Camper Trailer Forum
General => General Discussion => Topic started by: kiwipete on July 09, 2012, 07:02:36 PM
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We hear all the time about how house prices are so high and yet are they really that high or is it the Houses that people now expect to buy much bigger than the 1970's, when people were happy to buy a small 3 bedroom home in the outer suburbs...
So to afford these lavish homes close to the CBD both partners have to work and the children are sent to daycare or mum puts off having kids....
Just some thoughts....
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Before I had my current business I was a valuer and I valued over 19000 homes. I saw both ends of the spectrum where "young" people had purchased basic "breeder boxes" as they are known through to designer homes with amazing furniture packages.
I don't think anything is that different today.
So no I don't think all young people are greedy, that is not an age specific character trait.
Cheers Nomad.
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Hi Kiwi Pete, not sure if they are greedy or just want everything now!!!
I would class myself on the younger side and made the call to have my kids pretty young so I could enjoy them when they are young adults. But having the wife at home during those first 5 years really added to the financial pressures and yes she had to go back to work. But we agreed that if we want the camper, car, private school education etc etc then both working was the only way.
I do live on the outer suburbs and not in a palatial palce either!!!!
Times are now so different mate. I think we are our own worst enemy wanting everything now!!!
Greg
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No, I don't think young people are greedy. The old people who jack up house prices are the ones who are greedy.
When we have a US style housing bust we'll see who cries the most.
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its not that they are greedy ,i think its because money is to easy to get do you remenber when you had to book a meeting with the big scary bank manager , and plead with him to give you some money .now you just have to walk near a bank and they will rush out a give you all the money you want , to do with what you want to . so i think this has a lot to do with house prices going up
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When we have a US style housing bust we'll see who cries the most.
Won't happen to the same extent here as we have much more regulated banking system.
In my Parent's day the dream was to own your own house. Today the dream is to have at least 2 invesment properties...
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No, I don't think young people are greedy. The old people who jack up house prices are the ones who are greedy.
When we have a US style housing bust we'll see who cries the most.
Well said Symon
If ever there has been a greedy generation its many of the baby boomers.
The - "Im spending my kids inheritence" crew.
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Well said Symon
If ever there has been a greedy generation its many of the baby boomers.
The - "Im spending my kids inheritence" crew.
Won't be spending my inheritance, I am having too much fun, new truck, new camper woohoo!
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Won't happen to the same extent here as we have much more regulated banking system.
In my Parent's day the dream was to own your own house. Today the dream is to have at least 2 invesment properties...
It appears that barneys would disagree with you.
My view is that any 'older' person who complains about the young should take a moment to reflect on why they are that way - perhaps it has something to do with the environment in which they were raised? And who's fault is that, theirs or yours?
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Probably not a lot different to what it was in our day just that the property prices were a lot lesser value as were our incomes.
I think that finance is a lot easier to get today as you can get it on just the one mortgage and not two or three as we often had to, but i say Good on them, if they can afford to meet the finance requirements and repayments, then Go for it.
It certainly is an investment in their long term future as it was for us.
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Our banks may be giving money out but they have to stockpile cash to cover it. It is an APRA requirement on their banking license. You may see a few finance companies go t!ts up but none of the big banks will.
We've had over 20 years of boom, never before seen in history. A lot of kids today have never lived hard and have no idea what the value of a $ is.
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Just wondering what you are all consider as a young person?.. What age are we talking about?
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18-30
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We've had over 20 years of boom, never before seen in history. A lot of kids today have never lived hard and have no idea what the value of a $ is.
A lot yes, but not the majority. I know plenty of young battlers who are genuinely doing it tough. If anything the only real change in the last 20 years is the gap between rich and poor has widened.
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I'm guessing early 20's to early 30's. I bought my first house at 21. Geeze, that was a while ago ;D
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Won't happen to the same extent here as we have much more regulated banking system.
In my Parent's day the dream was to own your own house. Today the dream is to have at least 2 invesment properties...
We also don't have non recourse loans which are common in the US. Why pay your 250k mortgage when the house next door is the same and for sale for 25k???????????
That leads to the geniuses in banks like lehman brothers selling massive portfolios, of these non recourse loans to other banks to off load their bad policies which led to the GFC..................................so much for industry regulation and government oversight...................
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Banks once required you to have something like a 20% deposit before they would even consider giving you a loan. These days, they will loan greater amounts of money even without a deposit.
When we decided to buy our house, we saved a pretty decent deposit in a very short time. Our bank would not loan us the money based on our deposit as we did not have a good enough savings history. Instead, they offered us a 100% loan. Go figure. Then, shortly after getting into our mortgage, we decided to switch our credit card over to our current bank. We did it on line & it was approved immediately. I was a little concerned as we were not given the opportunity to select a credit limit so I rang the bank the following morning & was told I had a $20,000 limit. I had them change it down to $1000. I had just taken on the biggest debt of my life (the mortgage) & been given a $20,000 credit card without even speaking to a bank employee.
I think banks these days hand out money a little too easily & therefore there will always be those who will borrow more than they probably should & getting into serious financial trouble when something unforeseen, such as unemployment or health problems, occur.
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Richard.
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anyway why shouldn't baby boomers spend there kids inheritance
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I'm not greedy.......
I just want everything and I want it now.
Oh bugger, hang on. I'm losing this argument. I'm not YOUNG.............
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anyway why shouldn't baby boomers spend there kids inheritance
It's only an inheritance once your dead and I don't intend to stop living until then ;D I've done my best to give my kids a good start in life, but ultimately the rest is up to them. Once I'm gone they're more than welcome to what is left.
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Richard.
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It's only an inheritance once your dead and I don't intend to stop living until then ;D I've done my best to give my kids a good start in life, but ultimately the rest is up to them. Once I'm gone they're more than welcome to what is left.
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Richard.
Well said Richard, many of us baby boomers gave our kids a kick start in life, in our case it was a good deposit to put towards their first home as it was someting that our parents were'nt able to afford for us and things were a lot easier financially for us in the 70's so our inheritance to them will only be whats left when we are gone. ;D
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I built a house about 9 years ago and to built the same house now has only increased about 25% to build, on the other hand land has increased 300% to buy.
As the population grows in the cities so does the price of land, the governments try stop the urban sprawl so they don't have to keep building infrastructures further out.
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anyway why shouldn't baby boomers spend there kids inheritance
My parents can spend what they want, but if they leave me a bill there will be trouble!!!
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Banks once required you to have something like a 20% deposit before they would even consider giving you a loan. These days, they will loan greater amounts of money even without a deposit.
When we decided to buy our house, we saved a pretty decent deposit in a very short time. Our bank would not loan us the money based on our deposit as we did not have a good enough savings history. Instead, they offered us a 100% loan. Go figure. Then, shortly after getting into our mortgage, we decided to switch our credit card over to our current bank. We did it on line & it was approved immediately. I was a little concerned as we were not given the opportunity to select a credit limit so I rang the bank the following morning & was told I had a $20,000 limit. I had them change it down to $1000. I had just taken on the biggest debt of my life (the mortgage) & been given a $20,000 credit card without even speaking to a bank employee.
I think banks these days hand out money a little too easily & therefore there will always be those who will borrow more than they probably should & getting into serious financial trouble when something unforeseen, such as unemployment or health problems, occur.
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Richard.
Richard, while the banks did lend 100% - 105% in the heady days up to 2008/9, those days are well & truely gone [thank goodness].
Now any loan exceeding 80% LVR [Loan to Valuation Ratio] are Mortgage Insured & Mortgage Insurer's are very strict on what they will accept in regards to savings history, employment stability & even what area the house is in. F/I's [Banks, Building Societies, Credit Unions] all have their Loan portifolios regularily Stress Tested to minimise the possibility of a US style situation.
That said, many many younger people extend themselves too far when buying a home, it's usually not the Home Loan that is the start of the problem, it's the 3 or 4 Maxxed out credit cards & a couple of personal loans [usually to buy all the "good"stuff inside the house] that starts the ball rolling.
I'm in no way suggesting that this is the case for all but it only takes one partner to have their hours reduced for there to be problems.
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My parents can spend what they want, but if they leave me a bill there will be trouble!!!
X2
Dave
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No I don't think young people are greedy. They want what we wanted at their age which was excessive to our parents.
I had my first child at 19. Best thing I ever did. Yes we struggled we had 3 more kids. Still struggled hard. Never promised anything to the kids we couldn't pay cash for. You ask them and they reckon their childhood was better than their friends.
My kids are 24, 22, 20 and 10. My oldest 2 are currently in Europe have been for 4 weeks now, which they have paid cash for prior to going. And saved spending money. So I passed on good cash flow ideas. Pretty proud of myself.
I also know they have friends whose parents have given them a credit card or control their money / banking so it depends on the parents IMHO. My kids are horrified that parents do this :)
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It's only an inheritance once your dead and I don't intend to stop living until then ;D I've done my best to give my kids a good start in life, but ultimately the rest is up to them. Once I'm gone they're more than welcome to what is left.
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Richard.
I'm with you Richard! I don't expect my parents to leave me anything. I want them to live their lives to the fullest extent and then leave me with great memories of them doing so. They've always been there to help me when I required it ... what more should parents do?
Kit_e
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Yeah I think we are just so used to having it all. Like its been said above, it's so easy to get money from the banks. Although it still blows me away that some people don't realize they have to pay it back ???
What I think is a lot of the problem is that people don't alter their expensive lifestyle when taking on a mortgage, so still eat out, buy takeaway, expensive clothes, entertainment etc rather than toning it down and saving a bit of money for a rainy day.
I know a lot people who have put off having kids and also some that will definitely have to go back to work after having kids to upkeep their lavish lifestyle.
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My wife nd I, 36 and 34.
Quite happy in our basic, buyvery old3 bed house.
all our friends have 4 x2s. Seems its the status, to have a 4x2.
along with the big screen TV,all new furniture, 2 new cars, landscaped gardens etc etc
2 close friends, both renting, both just a couple, no kids, rent 4 x2 houses.
another close friend, rents a 3 bed house. Also no kids, just a couple.
Latest is that they are looking to move, looking to rent a 4x2, they are just a couple
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We are quite happy with our humble abode of an old house I slowly am renovating myself.
I know how much my mortgage is each week, I would dread to pay what some of our friends must pay tor their all new homes.
Either that, or they are earning dramatically more than my wife and I. Of which we know they don't. How scary it must be each week
Or is it just credit card to credit card.?
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When we have a US style housing bust we'll see who cries the most.
or like this
http://theage.domain.com.au/real-estate-news/home-owners-facing-loan-repayment-disaster-20120708-21pkl.html (http://theage.domain.com.au/real-estate-news/home-owners-facing-loan-repayment-disaster-20120708-21pkl.html)
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Me... 36. So i wouldn't call myself "young and dumb" but I still a fair way off joining the nomads.
I don't understand some young people... everything must be NEW. Holidays must be over seas. There has to be 4 TVs etc etc.
Look at the ring of McMansions around sydney. Brand new houses with 4 bedrooms + study + media room etc etc....on 400m of land. Brand new cars in the driveway.
I think that there is certainly a culture of instant gratification amongst the young. Maybe we all just don't learn patient until we are older. Dunno.
mike
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Image is all important to some people.
I have a mate who is trying to live a Shipwrecked 1907 Heidsieck Champagne lifestyle on a coles brand lemonade budget... He has all the toys, but no money to use them. New TV comes out, he has to have it yesterday... new phone... 2x Ipads... you name it.. And nothing is your average either, its all top shelf.... and on HP.
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Fake people have an image to maintain, fairdinkum people don't give a rats.
:cheers:
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Local Real Estate agent tells me the home I bough 27 years ago for $69,000 is now worth over $400,000. So I asked him how much the house across the road would cost me (its the one we were originally going to buy but were too slow with the deposit). He tells me its worth the same as mine, so the reality is, unless I want to move out of the area I love I've made nothing!
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Fake people have an image to maintain, fairdinkum people don't give a rats. :cheers:
Sad thing for him is nobody gives a Shit!
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Image is all important to some people.
I have a mate who is trying to live a Shipwrecked 1907 Heidsieck Champagne lifestyle on a coles brand lemonade budget... He has all the toys, but no money to use them. New TV comes out, he has to have it yesterday... new phone... 2x Ipads... you name it.. And nothing is your average either, its all top shelf.... and on HP.
Yes, what about whenever a new game console or iPhone comes out people camp out the night before so they can get their hands on one. If they only waited patiently for a few months, they could buy it for way less & hopefully all the bugs will have been sorted by then.
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Richard.
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Hi,
our first house in 1971 cost 4 years' wage, our second in 1986 cost about the same, but needed some extras like carpet and white goods, curtains etc because we built it.
It scares me when I hear of mortgages that are way more expensive than 4 years' wage, and then more money is spent on expensive toys.
cheers
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My parents can spend what they want, but if they leave me a bill there will be trouble!!!
....with who?
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The old people who jack up house prices are the ones who are greedy.
I guess you are joking Symon.
Anyone remember the housing loan interest rates of over 12% (early seventies)? Not easy to pay off the loan!
Our kids are not interested in how much we leave them when we depart. We are told to just enjoy our life while we can. They do :laugh:
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anyway why shouldn't baby boomers spend there kids inheritance
Its the attitude - do what you like with your money - but dont shove it in their faces is all.
I would just about do anything to make my kids life better. Plus, I actually enjoy spending time with them. I have quite a few friends who parents dont give their grandkids the time of day and carry on with this tripe.
I am only in my 40's and all our kids grandparents are dead. Would have been nice for them to have had them but thats life.
Give you an example. Friends have two sets of grandparents. Both lots have winnebago size campers. Both have the stickers on the back. Friends wanted to travel around oz with their three kids. Any offer to borrow them - not on your life. Now for me, and I think a lot of my generation, would have offered them straight up. Just have her clean and filled up when you hand it back. Thats love IMO.
I just hope when these selfish b's are old, and sitting in the old peoples home, they wonder why the grandkids dont bother coming around.
Very different generation to the last.
Just annoys me for some reason - dunno why really. ???
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I guess you are joking Symon.
Anyone remember the housing loan interest rates of over 12% (early seventies)? Not easy to pay off the loan!
Our kids are not interested in how much we leave them when we depart. We are told to just enjoy our life while we can. They do :laugh:
Just 12? I thought ours hit 17?
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....with who?
Hmm probably didn't think that through.....
You know what I mean though!!
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Just 12? I thought ours hit 17?
I couldn't remember the maximum of the time.
There was talk that if it hit a certain figure (17.??), the loan could not be paid off, just keep going backwards. I think it went close otherwise it wouldn't have been newsworthy.
If you didn't have a loan at the time you didn't even consider buying, just rent, if you could find it.
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When we applied for our loan in 1982, rates were 11.5%.
When the loan was approved, they were 12.5%.
Our first payment was at 13.5%.
They grizzle now if rates LEAP 0.25%............
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Ok too many oldies coming on here!!
LMAO
No diff in your time than our time than now really. Just the people.
And the dollar which is relevant to the time
Hey no offence intended but each generation complains about the next.
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I guess you are joking Symon.
Anyone remember the housing loan interest rates of over 12% (early seventies)? Not easy to pay off the loan!
No I wasn't joking. Just looking at interest rate is hardly an apples to apples comparison. Back then was no more difficult than it is today, one of the many reasons the rate is as low as it is at the moment is the RBA is trying to get house prices back under control, as for the last 30 years prices have increased at a rate higher than CPI and GDP - and that is not good.
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No I wasn't joking. Just looking at interest rate is hardly an apples to apples comparison. Back then was no more difficult than it is today, one of the many reasons the rate is as low as it is at the moment is the RBA is trying to get house prices back under control, as for the last 30 years prices have increased at a rate higher than CPI and GDP - and that is not good.
There was not meant to be any relation between the interest rates of years gone by and baby boomers causing the price of houses to rise.
I just thought you were joking as I cannot understand or see any correlation between oldies (baby boomers) and the cost of housing today.
I have heard that 'opinion/idea' mentioned in the past, but never understood it.
I assume you are suggesting baby boomers are buying houses etc as investments and pushing up prices. That would be a rather dubious line of thought and subject to many variables (aren't they all?).
Cheers,
John (baby boomer).
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Most young people today are just after instant gratification. I don't believe they are more or less greedy than any other generation.
I shudder at the amount of credit being thrown to young people these days who may not understand the value of a dollar?
Also think negative gearing should be addressed too. Houses are a basic necessity and to inflate prices through advantageous laws leaves some people out in the cold.
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When we applied for our loan in 1982, rates were 11.5%.
When the loan was approved, they were 12.5%.
Our first payment was at 13.5%.
They grizzle now if rates LEAP 0.25%............
I'd love to see todays 'must have it now' people go through this ... I'd piss my pants...
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Most young people today
Spend money they don't have, To buy things they don't need, To impress people they don't really like.
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I just thought you were joking as I cannot understand or see any correlation between oldies (baby boomers) and the cost of housing today.
I have heard that 'opinion/idea' mentioned in the past, but never understood it.
I assume you are suggesting baby boomers are buying houses etc as investments and pushing up prices. That would be a rather dubious line of thought and subject to many variables (aren't they all?
Yes I agree, it was a bit of a knee jerk reaction from me. Whenever someone takes aim at the younger generation I take aim back usually. Especially since I believe I have worked hard to get where I am (trade, university, lots of work in remote areas, etc) only to have some old fart tell me that my generation 'don't have to work for anything', 'expect everything for nothing', etc etc. Give me an effing break.
You are right it is a combination of factors, one of which the number of baby boomers who rode the wave of strong growth in the 90's and bought up big in the investment property market, but there are other things such as overseas investors, the first home owners grant, rapid population rise so demand outstrips supply, etc etc.
This paper puts it into perspective though - http://www.econ.mq.edu.au/website_administration/economics_studies_macquarie_university/Econ_docs/research_papers2/2004_research_papers/Abelson_9_04.pdf (http://www.econ.mq.edu.au/website_administration/economics_studies_macquarie_university/Econ_docs/research_papers2/2004_research_papers/Abelson_9_04.pdf)
Average house price in Brisbane in 1983 - $55.5k
Average house price in Brisbane in 2003 - $249k (450% increase)
Average income for Brisbane in 1983 - $18k/yr
Average income for Brisbane in 2003 - $46k/yr (250% increase)
Even though interest rates are lower now, prices have risen faster than CPI.
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Yes I agree, it was a bit of a knee jerk reaction from me. Whenever someone takes aim at the younger generation I take aim back usually. Especially since I believe I have worked hard to get where I am (trade, university, lots of work in remote areas, etc) only to have some old fart tell me that my generation 'don't have to work for anything', 'expect everything for nothing', etc etc.
Nothing like someone telling you you have it easy or easier than they etc., especially when you have worked your tail off. Most people will react in a similar way.
Those 'Old Farts' are just that.
We all pigeon hole. Shouldn't, but we do. You're generation X Y Z, so you must be ... You're from X country, so you must be ...
Very annoying to catch ones self out doing it. :-[
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I read a book recently called Affluenza which was an insightful commentary on this topic.
P
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Na, young people arent greedy.
We just know what we want.
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I think that there is something to the statement that baby boomers have caused a rise in prices of houses.
This is not their fault.
This is the fault of the government. They limit supply and increase demand through immigration and negative gearing. Also they get all that revenue from stamp duty.
What else was the govt to do? there are millions of these boomers retired or about to retire.
Their money in retirement has to come from somewhere. It may as well come from their houses. Super has not been around long enough to give them enough to live off.
And to all us 'youngsters'... don't worry they can't take the money with them. It will all filter back in to economy.
It is very strange to observe though... my grandparents very poor in their retirement (as were all my friends grandparents). Our parent!?!?! not short of dollar that is for sure. Let's hope that we just keep raising the bar.
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Local Real Estate agent tells me the home I bough 27 years ago for $69,000 is now worth over $400,000. So I asked him how much the house across the road would cost me (its the one we were originally going to buy but were too slow with the deposit). He tells me its worth the same as mine, so the reality is, unless I want to move out of the area I love I've made nothing!
Well yeah, of course when you sell and buy in the same market it doesn't really matter.
I have friends who have been very smart over the years. Bought an apartment in inner city, sold it with a large profit. Bought a house inner suburbs, sold it big profit. Bought a house middle suburbs, sold it big profit. Now owns their family home in Beaumaris outright.
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Yes I agree, it was a bit of a knee jerk reaction from me. Whenever someone takes aim at the younger generation I take aim back usually. Especially since I believe I have worked hard to get where I am (trade, university, lots of work in remote areas, etc) only to have some old fart tell me that my generation 'don't have to work for anything', 'expect everything for nothing', etc etc. Give me an effing break.
yes, but do you think your common or rare in your age "bracket"? TBH, I'd say your rare as rocking horse Shit.... and well done to you for getting what you have.
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yes, but do you think your common or rare in your age "bracket"? TBH, I'd say your rare as rocking horse ****.... and well done to you for getting what you have.
Rare..... doubt it. When starting out i did years of shift work at 12hrs each shift. A lot of that time i was doing study part time. So 15 hour days happened twice a week. Basically, while young and energetic enough I worked my ass off.
I guess that in every generation there are hard workers and lazy people...
I will agree though that the current crop have a definite air of entitlement about them.
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Ive just had to tell my 20 year old daughter that she doesnt need to work the 30 plus hours a week in hospitality that she currently is as well as going to uni, and that study and her health are more important at the moment. She needs to stop being exploited by the older baby boomer (like me) employer she works for, who expects her to come in on short notice, do doulble shifts and work for a pittance ($10/hour cash).
Pi$$ed of with FWA, who wont take any unsolicited action - ie, go thru the books of employers like this, without an official complaint from any so called employee. These scum, who operate multiple restaurant sites, are also getting away with not paying Workcover insurance or Payroll Tax on the 100's of students they employ.
Most young people i associate with are as hard working as most oldies are. Granted, they want thing "now", but thats probably our fault in giving them everything they wanted whilst growing up. I dont think they have an air of entitlement as such, but perhaps an expectation of sucess and acheivement which appears to be a current educational ethos, perhaps correctly or incorrectly.
There will allways be a percentage of people out there who dont want to work, of all ages.
I think I mite join them!
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A couple of sites with some interesting thoughts.
http://www.macrobusiness.com.au/2012/05/baby-boomers-create-stiff-headwinds-for-housing-market/ (http://www.macrobusiness.com.au/2012/05/baby-boomers-create-stiff-headwinds-for-housing-market/)
http://news.domain.com.au/domain/real-estate-news/demographics-cast-a-shadow-over-property-market-20111026-1mizf.html (http://news.domain.com.au/domain/real-estate-news/demographics-cast-a-shadow-over-property-market-20111026-1mizf.html)
It has been suggested that it was the baby boomers who spent their money willy nilly. Hmmm, must have been someone else, didn't have any.
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Lil and I made a decision to have kids when I was working in the Music industry and on a good wage. We moved out to Narbethong, just outside Marysville in Vic. We wanted to buy and thought we should live there and see if it suited. It did
We where both working and saving good money.
The bushfires came and wiped it all away........nothing left.
We moved to Cairns with my work, lil wasnt working now but pregnant.
My job lasted a year then the Ceo and the rest of the Superannuation fund that bough the company buggered it up.
I lost my Job and the company went on to be owned by its competitor who also buggered it more and now its owned by the bank. The new owners (drive a Maserati) brought in their own bean counters to run a music company.
I lost my job and now we have 2 kids. Now I work where I can scraping what we can to live 2 hours from Melbourne by train.
Work 48hrs a week and travel 30hrs a week just to bring in Fu** all.
We will never buy a house as even some rentals are out of our budget.
If we had chosen NOT to have kids then we would have been better of financially but not Better off.
We drive an old 4wd and it works, most of the time.
We left to go traveling around Oz in our CT and work when needed.
Allegedly Rural australia cant find workers and have to import the workers.
Ive found it difficult to find any of these jobs available......most want working holiday tourist and lure them with promise of extending their 1 year visa to 2 years. Work for free food and accommodation they say and qualify for your 2nd year visa.
We are still looking for Cattle station work, picking work and generally anything to pay our food and fuel.
If your single and can travel, will work for almost nothing but get free food and accommodation then your flying high.
If you got kids..........Pfffffft. You should have stayed in the suburbs.....lol
Im sure there may be some work out there, but I be damned if I can find it and take the family.
I dont want to live in Isolation from my family, whats the point of having a family you dont see........
20 years from now there will be less Aussies and more of the Minorities with larger families who will then be the Majority.
Its happening in The UK thats why I left..........its happening all over again......WHen all the mining minerals are gone and the money goes too, what happens to the house costs, rental costs in mining towns....you have 10000 of men and woman looking for $100,000 year jobs that wont be there.
I wouldnt say its the younger generation thats the greedy ones........
but then its just my opinion.....
Stookie
Flame Suit on ;D
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Young whippersnappers never had it so good. When i were a lad i lived in house made of broken glass and had to work a 100 hours a day for the privelege....
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Young whippersnappers never had it so good. When i were a lad i lived in house made of broken glass and had to work a 100 hours a day for the privelege....
And used to lick road clean wit tongue!!
:cup:
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I can tell you from experience that NAB will not even look at you at the moment for a home loan unless you have saved at least a 10% deposit and have shown that you have saved this money yourself over at least a 3 month period, Gifts of a home loan deposit from the folks are not acceptable anymore you have to do it all on your own. It has me buggered how young people manage to save for a deposit and buy flash expensive new homes and cars, They say life was simpler back in the good old days but how do the Generation "Y" kids do it?
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I am really happy I started this thread as it has given me a lot of good info... and so many differing thoughts all very true and most I had not thought of myself...
I think the few comments that I liked were
- "I just want everything and I want it now."
- "No I don't think young people are greedy. They want what we wanted at their age which was excessive to our parents."
- and anything about spending the inheritance :)
I actually thought back to when I was young and "Yes" I also wanted everything then (now) so I now would like to disagree with my first comments and agree that we are just bloody human.. :)
Yeah the Land prices are a killer - I live in Canberra where you never own your land, but lease it - So no foreign investor can buy a piece of Australian Capital, seems nuts to me that they can buy everything else which all helps in jacking up those land prices....
But should we take much notice when comparing between average house prices from time ago unless they take in account house sizes and build quality - and land prices should be removed from the equation etc
anyway a lot of terrific comments... :)
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kiwipete,
I wonder what's going to happen when the first of leases expire in a few years time....
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Probably not much Rescue1,
Traditionally these types of leases are for 99 years and charge a peppercorn rent of $1 per year to maintain the lease. Banks treat those 99 year leases as freehold title.
Whilst the title isn't as clean as say NSW or Qld, you must remember that on every freehold title in Australia there is a statement saying that
"Rights and Interests reserved to the Crown by Deed of Grant..............."
This essentially puts the Crown rights above the Land Owners rights in any event.
I don't think even Jooliar is stupid enough to stuff house owners in Canberra. There would be a massive outfall and also mass devaluation of our Capital because of the perceived risk to the market place.........
Cheers Nomad
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I dunno if I fit in as a young person (born in 79) but I don't think anyone in my generation is any more or less greedy than in any other generation.
I managed to scrimp and save a deposit by living with another married couple so that we all saved on rent, and I bought the cheapest house I could live in so that I could dump as much extra cash into my mortgage as I could. I've owned that place for 7 years, and next year, or maybe the year after if the missus stays off work with our son, we will have our mortgage payed off. We will be buying a new, big flash house when that happens (and taking some time off work to travel the country :D) Does that make us greedy? Or does that mean we aspire to greater things?
Might be better to re-title the thread "Are old people just whingers?" :P
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Might be better to re-title the thread "Are old people just whingers?" :P
LMAO
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LMAO
X2
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All these people saying banks are willing to just throw money at younger people plz show me which ones as i need 100k to buy a truck for work. I am 25 has 1st 3 kids buy 22 and now another on the way and bought my 1st house at 21. I was living in wollongong and decided to move out west were it was more affordable to buy a house and live. I'm not greedy but like my family to have nice things. It does come at a cost though especially with me being away from home 5-6days a week. If i could get the money for a truck that would all change.
I dont get how people in cities get buy unless there earning 2kplus a week. Combined me and my mrs would take home over 2k a week but wuld struggle to live in wollongong again with all the expenses.
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Might be better to re-title the thread "Are old people just whingers?" :P
Maybe something along the lines of "Old people who whinge about the people whos taxes pay for their pensions" would be better :)
Don't get me wrong, I have nothing against old people, in fact I quite enjoy talking to them and learning from their experience. But some just really need to recognise that people today face equally as many challenges as they did in their time.
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X2
And a trillion more!! :)
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But some just really need to recognise that people today face equally as many challenges as they did in their time.
Just the challenges may change a little
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All these people saying banks are willing to just throw money at younger people plz show me which ones as i need 100k to buy a truck for work. I am 25 has 1st 3 kids buy 22 and now another on the way and bought my 1st house at 21. I was living in wollongong and decided to move out west were it was more affordable to buy a house and live. I'm not greedy but like my family to have nice things. It does come at a cost though especially with me being away from home 5-6days a week. If i could get the money for a truck that would all change.
I dont get how people in cities get buy unless there earning 2kplus a week. Combined me and my mrs would take home over 2k a week but wuld struggle to live in wollongong again with all the expenses.
This post is a gee-up... right?
I'm not greedy but like my family to have nice things. -> ummm. OK.
It does come at a cost though especially with me being away from home 5-6days a week -> it's called a job
Combined me and my mrs would take home over 2k a week -> That is over $104 000 per year AFTER tax. That's about $140,000 pre tax. According to the ABS, $80k puts you in the top 10% of all income earners in Aus.
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I guess land in Canbera is leased as noone would buy land in such a miserable place.
Oldies can be grumpy. I'm learning why, but gee, the few grumpy ones really are a pain. Some seem to have reverted to two to four year old status.
A young family built a 4bed house near us recently on a block of land smaller than normal for the area and a fairly busy street. Fancy house and put it on the market after about 12months for $1.25M. No go. Went to auction at that price, no go. Back on the market for $1.1M. Has been sold to some poor sucker but haven't seen the sale price as yet. Other bigger and nicer houses in the area haven't reached that figure. Can't blame the Baby Boomers here.
I don't think we change much from generation to generation. Envy gets a look in I think.
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Envy gets a look in I think.
Really? When I was a teenager I pushed trollies for pocket money as my folks were paying almost 20% interest on their mortgage and had no spare cash. I see teenagers today just hold out their hands and ask for money and the Parents give it to them. What is the lesson in that? Easy come easy go is the lesson. Not having to work hard to make a $. Sure there are some young people busting their backsides to get ahead, I bet that is due to upbringing. Most though just float through life thinking it owes them a living.
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Schmik, I was thinking the very same thing.
My wife a I don't earn anywhere near 2k a week before tax. Intact, my wife is now the major bread winner of the hous bringing in $600 week, apparently, that's a great wage for our area.
We think we are doing ok,not struggling, could so better,but we are ok.
If we doubled our income to your 2k a week, how much better off would we be?? We'd think we'd hit the jackpot.
Prior to us buying our house, I worked 7 days,six nights a week, in two jobs, just to pay for our deposit.
Stacking shelves atnight, working all day, it was a job we did to earn a living, and save for our humble house.
My wage now is pretty mediocre, but I have tike to do my renovations myself, hopefully saving money.
We hVe one car between us and share that. We buy the weekly specials and cut coupons, hunt for bargains.
Isn't this normal?
I had my first job at 13 years and have nevver been out of work since.
Isntthis normal?
We actually think we are doing ok. Apparently we are not?
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Really? When I was a teenager I pushed trollies for pocket money as my folks were paying almost 20% interest on their mortgage and had no spare cash. I see teenagers today just hold out their hands and ask for money and the Parents give it to them. What is the lesson in that? Easy come easy go is the lesson. Not having to work hard to make a $. Sure there are some young people busting their backsides to get ahead, I bet that is due to upbringing. Most though just float through life thinking it owes them a living.
Our oldies had no spare cash either, but they bought what they thought was necessary (good food was high on the list) and worked their tail off. We gave our kids what we thought was the best for them as well.
Bumming off society. Nothing to do with the generation. Was happening in the fifties and sixties and still going). Bound to be happening a lot earlier, I just wasn't around (thank goodness - life was just toooo hard way back beyond) to notice.
Not the kids fault. So and so has one, why can't I? been going on forever.
Nero probably had similar issues (did he have kids, at least those he knew about or admit to?).
Yep, will stick with envy.
I'll add on peer pressure.
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Oh goody... a "back in my day" thread!
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MHO.
With all this you only live once crap I hear every where.
I think 90+% of the younger gen just seek "instant gratification" after growing up in a world of push the button and get an instant answer.
http://en.wikipedia.org/wiki/Deferred_gratification (http://en.wikipedia.org/wiki/Deferred_gratification)
I just hope it works out well for there kids.
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Schmik, I was thinking the very same thing.
My wife a I don't earn anywhere near 2k a week before tax. Intact, my wife is now the major bread winner of the hous bringing in $600 week, apparently, that's a great wage for our area.
We think we are doing ok,not struggling, could so better,but we are ok.
If we doubled our income to your 2k a week, how much better off would we be?? We'd think we'd hit the jackpot.
Prior to us buying our house, I worked 7 days,six nights a week, in two jobs, just to pay for our deposit.
Stacking shelves atnight, working all day, it was a job we did to earn a living, and save for our humble house.
My wage now is pretty mediocre, but I have tike to do my renovations myself, hopefully saving money.
We hVe one car between us and share that. We buy the weekly specials and cut coupons, hunt for bargains.
Isn't this normal?
I had my first job at 13 years and have nevver been out of work since.
Isntthis normal?
We actually think we are doing ok. Apparently we are not?
I think its normal.
We have 1 wage which is less than $1000 , wife is stay at home mum. We saved and bought our Jackaroo, bikes and CT Cash over the years. We thing we are doing "OK" we eat well and are currently travelling.
But we have NO DEBT, NO Mortgage, No credit cards.
When I earn Money I pay Nothing out to no one , unless its for a patch of grass........ :cheers:
We have time and money to enjoy what we are doing......having a house is a Dream......just not ours right now.
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This post is a gee-up... right?
I'm not greedy but like my family to have nice things. -> ummm. OK.
It does come at a cost though especially with me being away from home 5-6days a week -> it's called a job
Combined me and my mrs would take home over 2k a week -> That is over $104 000 per year AFTER tax. That's about $140,000 pre tax. According to the ABS, $80k puts you in the top 10% of all income earners in Aus.
Nope no gee up.
How does having nice things make me greedy? Going out and buying a 100k brand new car would make me greedy.
I know its a called a job but it comes at a cost of not being home with my 3 soon to be 4 kids and wife. A cost that i cant get back.
I know we earn alot but for what ever reason never seem to get ahead. my job is perm/casual so anytime spent with truck broken down is no pay and no holiday pay. We dont spend money on Shit either so its not like we are wasting it. Maybe its time to see someone about it.
Anyways i wasnt on here to brag or for sympathy but was answering the original post about us not being greedy. I work hard and long hrs for my money a min of 14hrs a day and regularly do up to 17hrs a day and my wife works 3 jobs so we dont expect things to fall in our lap or for free we work hard for what we do have.
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Im not going to comment on states outside of WA as I have NFI what goes on out of here ;D But we just moved back to Perth after 8 years living in the Pilbara. From my looking around, the only truely affordable housing in Perth is to either build as cheap as you can or buy establised in the ****ty suburbs. I belive (although most propably wrong :D) that the current rental market here is a strong indication that housing is unafordable to buy. I spent 6 years in Karratha and watched the housing/rental prices skyrocket, and I can see the same thing happening here - although it will never (hopefully) get to that same level of craziness.
We brought our first home when I was at the end of my second year apprenticship - grand old age of 20. We hunted for a cheap well layed out house and managed to find one, just the street was a little busy, but certainly far from the worst to live on - but excellent location with shops just across the road and major high school a few minutes walk. We still own this house, but havent lived in it for the years we where up north.
For those who think negative gearing is to blame, I think not. Have a think about what it is - negative income! how sustainable do you think it would be to own 6 propertys all negative geared on an average or normal income. I think negative geared housing has had accountants talking it up more than its worth for too many years - but thats just my uneducated thoughts :laugh:
Now we are just buying our second house - one to live in. And with 2 kids and a 3rd on the way we found it a scary thought to build in Perth - there is no way my kids would be happy living on a block with less than a couple of metres between the house and back fence. So we made the decision to buy something over 1300sqm. We dont need a huge house, just something comfortable for our family size. And trying to find something that met what we wanted within our (below average) budget was hard. Most houses where too small, we ended up buying a house that was a little more than we budgeted for but ticks all our boxes.
We could have built more affordably, but didnt like that lifestyle of a small block. We could have tried renting, but with 3 kids and two dogs I think we would have had a tough time in the current perth market. We could have kicked our tenant out of or house and lived easily, but the distance is a little over double to get to work - and I work 12hr shifts.
Honestly I would hate to be a first home buyer in the current market, we found it daunting with our first home spending all that money (and that waas under 130K at the time).
I own 3 cars, the newest being my cruiser which is a 97 so Im not greeding wanting a flash new car - unlike I would say a majorty of people in the north-west who all have landcruisers or prados on lease.
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There's definitely a "keeping up with the Jones" thing going on now days.
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For those who think negative gearing is to blame, I think not. Have a think about what it is - negative income! how sustainable do you think it would be to own 6 propertys all negative geared on an average or normal income. I think negative geared housing has had accountants talking it up more than its worth for too many years - but thats just my uneducated thoughts :laugh:
I think you missed the point of negative gearing. It's based on the gamble that property will go up in value. It's got Sweet FA to do with the rental income or loss you make. e.g, that house you bought in 2003 for $300k is now worth $700K.
$400k PROFIT (take out capitol gains tax).
Imagine you did buy 6. $2.4 mil minus tax. Not bad.
In the eastern states it's all over anyway. The value of property is not going up by a significant amount any time soon.
AT BLKWDW. No offence intended but on that income you should be able to save $500 a week. $25k per year. 4 Years you have your $100k truck.
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I think you missed the point of negative gearing. It's based on the gamble that property will go up in value. It's got Sweet FA to do with the rental income or loss you make. e.g, that house you bought in 2003 for $300k is now worth $700K.
$400k PROFIT (take out capitol gains tax).
Imagine you did buy 6. $2.4 mil minus tax. Not bad.
In the eastern states it's all over anyway. The value of property is not going up by a significant amount any time soon.
Well I wasnt even touching on the capital gains issue (which in theroy will apply the same to positive geared). My point was more the fact that most people would only be able to afford 1 or maybe 2 investment properties negative geared, so it kinda slows the whole massive price increases in housing blamed on negative gearing.
6 was just some random number I pulled out of my ..... :cheers:
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So are this generation greedy????
Where is the cutoff for each generation? Is there a year?
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Well I wasnt even touching on the capital gains issue (which in theroy will apply the same to positive geared). My point was more the fact that most people would only be able to afford 1 or maybe 2 investment properties negative geared, so it kinda slows the whole massive price increases in housing blamed on negative gearing.
6 was just some random number I pulled out of my ..... :cheers:
I don't blame negative gearing... i blame the govt ;)
There is a link earlier in this thread. It shows that baby boomers. Aged something like 46 to 66 account for 24% of our entire population. This 24% owns 52% off the value of all housing in aus.
IMO, there had to be something (as well as superannuation) to fund their retirement.
Landcruiser 200's, European cruises, young mistresses all cost money you know! ;)
I say the above with a touch of envy... but sheesh! after i have worked 45 years non stop i too would like a fruit for my labor.
mike
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OK, so my wife and I are 29. We dint own a house. We do however own our 2 cars, a boat a CT and a few other toys.
Why no house? we much prefer spending time with our kids and not always at work. I'm a stay at home dad again, and i receive NO government help (happy with this) The way we see it is we need to be making memories with our kids at this early age, not work work work to make mortgage repayments.
case in point.
My brother in law, works 6 days a week, 8-6 plus is on call. We have ask him to come camping/skiing with us, he cant. he simply cant afford to take a few days off work. he owns 2 houses. 1 he rents out, 1 he lives in. he is 25. His wife is preggo with there 4Th child. he will have 4 under 5. he told me they keep getting preggo so quick as the government money helps them breath a little easier. he spends zero time with his kids and they are an absolute PITA. He has almost 8k on GO mastercard. His 50" plasma recently died. he still doesn't own it. GO does. He too is the sort of bloke that wants it NOW so goes into more debt
Personally that's not the life for me. i love making memories with my kids/family and doing things to benefit them. i have plenty of time to be old.
Dint get me wrong i know all about the hard life i was bought up that way, my old man become disabled when i was 13, so that's when i had to step up. How many 13yr olds do you know had to wipe your old mans a$$. He worked away lots when i was growing up and his words to me where he regretted doing that.
While i agree with your generalisation of young people, there are a few who look at life a little differant.
Cheers!!
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time with family is all important, especially 1-7 years old . Kids learn more in this period than they will for the rest of their lives. I can't believe people put their kids in childcare for the majority of this time in the hands of someone else to teach them? I purposely have set up my life so I get to spend as much time at home with them as possible and that my wife doesn't have to work so she can raise them to be respectable kids. If this means i live without a few luxuries than so be it. A kiddies smile/hug/love is worth more to me than a new plasma.
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I can't believe people put their kids in childcare for the majority of this time in the hands of someone else to teach them?
I disagree with this statement. My wife works a couple days a week because she loves her job not because we need the $$. My son therefore spends a couple days a week in day care. It has taught him how to interact with other kids, how to share/negotiate etc. Being an only child he may have learnt that at home but never been able to practice it.
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I disagree with this statement. My wife works a couple days a week because she loves her job not because we need the $$. My son therefore spends a couple days a week in day care. It has taught him how to interact with other kids, how to share/negotiate etc. Being an only child he may have learnt that at home but never been able to practice it.
thats the job of a parent. not daycare
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We have a26" flat screen that Cost us a fortune at the time.
Anybody remember when that was a large screen.?
Can you even buy a26 anymore? Most are using those for a computer monitor!
We are not worthy!!
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thats the job of a parent. not daycare
I think you need to re-read what I typed.
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I disagree with this statement. My wife works a couple days a week because she loves her job not because we need the $$. My son therefore spends a couple days a week in day care. It has taught him how to interact with other kids, how to share/negotiate etc. Being an only child he may have learnt that at home but never been able to practice it.
no probs, thats just my opinion. My wife had the option, but she loves her kids more than her job.
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we much prefer spending time with our kids and not always at work. I'm a stay at home dad again, and i receive NO government help (happy with this) The way we see it is we need to be making memories with our kids at this early age, not work work work to make mortgage repayments.
Same here, a stay at home dad/carpenter, jack of all trades.
We have learned to prioritize were our coin goes.
One of my favorite sayings is,
'Never get too busy making a living that you forget to make a life'
:cheers:
Hey cruisindub,
Our 68cm NEC is going on twenty one years old now.
;D
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My wife had the option, but she loves her kids more than her job.
I love the inference in this comment ::)
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I think you need to re-read what I typed.
I read it fine the first time. And my
Opinion still stands.
How would you cope if she didn't work there?
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I read it fine the first time. And my
Opinion still stands.
Well you read it wrong therefore your opinion is null and void. We teach him at home however as he is an only child he gets to practice what we teach him at day care as he doesn't have any other siblings at home.
How would you cope if she didn't work there?
I don't understand your question?
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I love the inference in this comment ::)
Facts aren't inferences ;)
As i said, it was my opinion.
I respect some people have weighed up the pro's and con's and decided to do it. We weighed them up and decided against it. We put him in for a week, more for socialising etc, but decided he would be better served getting this interacton elsewhere.
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How would you teach him those things if your wife didn't work there? Can I make it any clearer?
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My wife didn't work where?
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We are expecting more and more from our school teachers. Parents need to step up and stop paying people people to raise their kids. As a parent it's out job. Look at the news nightly and see what these wankers are getting up to. All stems from poor rules at home and no role models.
What would I know. I'm only the primary carer of my 3 kids
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NM helps to read it all.....
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I had a mate speak to me a few weeks ago saying his 7yr old son come home from school asking about sex. He then phoned the principal to ask when sex Ed will be discussed. The principal told him that's a job for his parents. Not the school. And can you believe he was p!ssed.
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A bit of sleight of hand going on I think...
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Oh!I'm so getting my 2c worth in on this before it get's locked.
It's the old peoples fault... just jokes but i need to keep the thread on track.
Some time in the last 20 years there was a tipping point.
Both parents working used to be at an ADVANTAGE.
Now only one parent working is a DISADVANTAGE.
Life became so expensive for so many reasons that now both parents need to work more often than in the past.
IMO, Read that again. IMO! This is causing a HUGE decay in our society.
Who cares how much child care workers and teachers earn. It is their job to keep your kids safe and academically educated. They don't have (and shouldn't have) the same care factor as a parent.
IS day care OK? IMO it's fine for a couple of short days a week. i.e. like community preschools run for 3-5 year olds.
What about Long day care. 7:00am to 6:00pm. It's not for me... or my kids. The parent are never happy with the results anyway. They always have a gripe because the carers don't care the same way the parent would.
Don't even get me started on parent that put their kids in for 10hr days 5 days a week. FWIW... i have seen a lot of these kids grow to be a PITA.
Just to re-iterate. IMO! You had em! It's your job to raise em.
mike
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^^^^^ x2
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And just to add. Work is the easy way out.
We have 3 young ones... a day with them is far harder (although more rewarding) than a day at work.
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And just to add. Work is the easy way out.
We have 3 young ones... a day with them is far harder (although more rewarding) than a day at work.
A bit off topic.......
My niece is handicapped, brain damaged.
Sweetest girl ever.
Parents who care for a handicapped child, deserve a medal. That's a full-time job,worth more than any CEO of a company.
Yet they get very littleif none assistance.
My brother works so hardtop keep the family together and the mum works so hard withall the children and one being handicapped.
toughest day at Work, each a d every day.
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A bit off topic.......
My niece is handicapped, brain damaged.
Sweetest girl ever.
Parents who care for a handicapped child, deserve a medal. That's a full-time job,worth more than any CEO of a company.
Yet they get very littleif none assistance.
My brother works so hardtop keep the family together and the mum works so hard withall the children and one being handicapped.
toughest day at Work, each a d every day.
amazing, I can't imagine having the mental strength that people like this have. I'm exhausted after a normal day with the littluns.
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Oh goody... a "back in my day" thread!
Speak up sonny
(http://3.bp.blogspot.com/__MbZY_gKBMU/SSVI9esK36I/AAAAAAAAAdQ/2Zd02BO34wI/s320/Ear_Trumpet1.jpg)
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Wow, good to see the anti-daycare mob in full voice, I bet they're from the 'breast is best' school also ::)
I still don't think campingwithkids has asnwered my question, oh well...
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Maybe you should read d4d I apologized for not reading it correctly.
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As a youngish person (32 and considered Gen Y by some sources), I think I can have a say. :-\.
Now I have my own kids (3.5 yrs and twins 2yrs) I have noticed a big difference in how I was raised and how kids are now. These days we are in a more "disposable" way of life. Noone sends a DVD player or plasma to be repaired anymore, you can by a new one for the cost of the repair. Everything we purchase under $5000 seems to be like this. I remember my parents sending our TV and VCR into town numerous times for repair, now we throw them in the bin and look for a new one online!!!
The whole attitude of young people has changed also. Most of them now seem so very confident and "invincible. see this daily as I look after a few apprentices who cannot be shown anything. The egos are MASSIVE!!! They feel they are entitled to everything and need to work for nothing. The high wages these kids are on doesn't help. They have no respect for money at all because they earn so much of it!! I have a 3rd year electrical apprentice who takes home over $1200 a week after his lease car (XR6) is taken from his pay!!!
Egos and image are a much bigger thing now than they have ever been, and I believe this is why they seem greedy. They want everything to give them "the edge" of the next kid. The young kids we have working at our mine make me laugh. You see them at the start of shift doing there hair in the mirror before going underground!!! No one to impress with you looks here sunshine!! Even when I was growing up in the 80's if blokes spent that long doing their hair you would be worried about which side of the fence they sit on :-* :-* :-*. Now it is all hair gel, energy drinks, protein shakes and comparing bench press weights.
Even though I am still considered young myself I try to teach my apprentices some life lessons and not just trade skills. Some of them are making some pretty poor decisions outside of work like driving without a license and underage drinking with fake IDs, with no fear of consequence or penalty.
I don't think bad parenting is the answer for it all as there can't be that many bad parents out there! I think society and media has dictated how kids behave now. TV, internet and especially things like Facebook and YouTube show different behaviours our kids strive to replicate. Now the kids say they are going to "hang out with friends", you see the groups of 6+ teens all furiously tapping Iphones not even aware of the world passing them by. Social Media my ar$e!! More like unsocial media.
The fix ... I don't know... I can only hope that by taking my kids out bush to appreciate simpler things in life and be more appreciative of what they have and who they are enjoying it with rather than getting everything they want just for the sake of having it.
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Wow, good to see the anti-daycare mob in full voice, I bet they're from the 'breast is best' school also ::)
Yep, How dare someone have an opinion different to yours? :police:
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Look around you. We have no accountability. Every thing we do is controlled. We fall over we can sue. We are told we cannot smack. It's bullsh!t
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The fix ... I don't know... I can only hope that by taking my kids out bush to appreciate simpler things in life and be more appreciative of what they have and who they are enjoying it with rather than getting everything they want just for the sake of having it.
thats my approach, teach em how to surf, fish a bit of bush craft etc. goes a long way to drag them way from the idot box.
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Yep, How dare someone have an opinion different to yours? :police:
Mate I don't care what opinion you have, just don't tell me your opinion is the only one.
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Mate I don't care what opinion you have, just don't tell me your opinion is the only one.
No one has. Defensive much
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The fix ... I don't know... I can only hope that by taking my kids out bush to appreciate simpler things in life and be more appreciative of what they have and who they are enjoying it with rather than getting everything they want just for the sake of having it.
Agreed, I took my boy for a walk this morning in the bush up the road. We didn't walk that far as he was intent on trying to push all the huge gum trees over. We watched the cockatoos and he asked 'what was that' with every sound. He even bought a piece of bark home for mum. You can't put a price on that.
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No one has. Defensive much
Short memory
I can't believe people put their kids in childcare for the majority of this time in the hands of someone else to teach them?
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Yep that's an opinion. And I agree with it too. If you feel the need to use care that's your problem. Again you appear to have an issue with someone else having an opinion that differs to yours.
I'm not sure what your trying to get at here. It is after all an open forum.
PS breast is best.
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.
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Again you appear to have an issue with someone else having an opinion that differs to yours.
Oh dear, this is turning into the Chinese camper thread all over again.
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Before my eldest went started school she used to go to pre school. We wernt totally happy with it but with both of us working it was our only option. When eventually found someone who does home schooling which we found much better then sending her to pre school. The she was far happier there and they are better cared for as well. Now our 2 youngest(twins) go to the same place. They dont go everyday though and its only for 4-5hrs when they do go.
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Oh dear, this is turning into the Chinese camper thread all over again.
Need to get back on track of 'are young people just greedy'?
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Oh dear, this is turning into the Chinese camper thread all over again.
Good luck with that.
I think the problem is old people :-)
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Wow, good to see the anti-daycare mob in full voice, I bet they're from the 'breast is best' school also ::)
DOH!... serious? How can some Sh 1t from a tin be as good as breast milk? Sure thing, breast feeding doesn't always work out and formula is good enough but if you could, then why wouldn't you? Or why even argue that the Tin is just as good?
And I bet you are form the 'pop them out and send them to long daycare 6weeks later school'. 'How dare DARE they encroach on your life'.
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I think schmik just blew a gasket ::)
It is interesting to see people justifying their position so hysterically, you'd think it was an electrical thread.
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DOH!... serious? How can some Sh 1t from a tin be as good as breast milk? Sure thing, breast feeding doesn't always work out and formula is good enough but if you could, then why wouldn't you? Or why even argue that the Tin is just as good?
And I bet you are form the 'pop them out and send them to long daycare 6weeks later school'. 'How dare DARE they encroach on your life'.
Na, he is just a serial whinger. Check all his posts.
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I think schmik just blew a gasket ::)
It is interesting to see people justifying their position so hysterically, you'd think it was an electrical thread.
Nah... A rear main seal. Oil is now dripping. :D
Not really. I can't get upset every time someone is wrong on the internet ;)
What is with people though? next thing you know manboob will be just as good as breast milk. Can't possibly offend the homosexuals.
IMO, mother nature got a lot right.
Get your responses in quick... this will get locked for sure!
mike
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Na, he is just a serial whinger. Check all his posts.
If we checked all your posts, you're post whoreing in the '500 club' or 'Origin' threads. Who is the serial whinger? Pot kettle black ::)
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I'm 42, can I still be a young person? I've got most of what I want does that make me greedy?
No one in my house goes without, if you work hard it goes without saying you can play hard. The one thing that gives me the sh$t$ is when we are told how lucky we are, it's hard work being "lucky".
Perhaps young people are impatient.....
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If we checked all your posts, you're post whoreing in the '500 club' or 'Origin' threads. Who is the serial whinger? Pot kettle black ::)
D4D I'm not sure what your problem is. This is an open forum. You don't own it. Everyone is entitled to an opinion. If it doesn't match yours, you seem to carry on and on.
If you don't like my threads, please don't comment. As like most people I can live without your negativity and smarta$$ childish games.
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To those who think it`s the "old" people who are to blame for everything, just remember you don`t know how many of us are on this forum. >:D I for one have 3 sons older than a lot of you are and if I`m to blame for todays problems I`d like to apologise. :angel:
Mind you I can`t see how a single Mum who worked to raise her sons without government support, paying rent and not having a car contributed to todays financial situation. I didn`t have any large super payment, but I did pay taxes, now receive the pension and still pay rent.
This is certainly not the way I expected my life to pan out, but so be it :laugh: I mightn`t have money to splash around, but I`ve got a nice roof over my head and best of all a Man with a Camper :cup:
Cheers, Robyn
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D4D I'm not sure what your problem is. This is an open forum. You don't own it. Everyone is entitled to an opinion. If it doesn't match yours, you seem to carry on and on.
If you don't like my threads, please don't comment. As like most people I can live without your negativity and smarta$$ childish games.
Mate you're the one who is carrying on and on with negativity and childish games, the same as you did in the Chinese camper thread and the 500 post thread. I offered an alternate opinion and yourself, Dogsbreakfast and schmik saw fit to try and tell everyone I was wrong and you were right. I don't know what chip you have on your shoulder but you are showing it for all to see.
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Mate you're the one who is carrying on and on with negativity and childish games, the same as you did in the Chinese camper thread and the 500 post thread. I offered an alternate opinion and yourself, Dogsbreakfast and schmik saw fit to try and tell everyone I was wrong and you were right. I don't know what chip you have on your shoulder but you are showing it for all to see.
Thanks for your input. As I said, they were both threads started by me. Don't like them? Please don't comment. Really simply. No chip on my shoulder. Offering another point of view. Please also stop sending me PMs. Quite frankly I wouldn't care to or want to have a beer around a campfire with you.
No doubt I'd be doing that wrong too.
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(http://blkmav.com/images/notagain.jpg)
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Honestly there is to much pressure on families now days. How can a single income family get in front?
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To those who think it`s the "old" people who are to blame for everything, just remember you don`t know how many of us are on this forum. >:D I for one have 3 sons older than a lot of you are and if I`m to blame for todays problems I`d like to apologise. :angel:
Mind you I can`t see how a single Mum who worked to raise her sons without government support, paying rent and not having a car contributed to todays financial situation. I didn`t have any large super payment, but I did pay taxes, now receive the pension and still pay rent.
This is certainly not the way I expected my life to pan out, but so be it :laugh: I mightn`t have money to splash around, but I`ve got a nice roof over my head and best of all a Man with a Camper :cup:
Cheers, Robyn
Good on ya Rob, to much pointing the finger here at the moment, its always easy to find someone to blame
All I know is I'm an old fart BUT I have three kids 26 to 30 and they still go camping with me every year and have done all their lives (when they are around that is) so i reckon I must have done something right in bringing them up, I only hope some of the people making comments here can say the same thing when their kids get to 30 odd
There is no right or wrong way in bringing kids up, there is no manual, good luck to them if they can do better than than we did, as long as their happy and healthy, thats what it is all about isnt it
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Thanks for your input. As I said, they were both threads started by me. Don't like them? Please don't comment. Really simply. No chip on my shoulder. Offering another point of view. Please also stop sending me PMs. Quite frankly I wouldn't care to or want to have a beer around a campfire with you.
So you're hassling me for being childish when you don't have any build threads, the threads you do post in you are post whoreing, 500 club and Origin, and anybody who offers a different opinion to you as in the Chinese camper thread and this thread you try and bully your way to prove your point and you say you don't have a chip on your shoulder?
Here's another example of your bully boy tactics, throwing your toys our of the cot.
http://myswag.org/forum/index.php?topic=16471.msg260583#msg260583 (http://myswag.org/forum/index.php?topic=16471.msg260583#msg260583)
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(http://blkmav.com/images/notagain.jpg)
More like
(http://blkmav.com/stuff/wtf.jpg)
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So you're hassling me for being childish when you don't have any build threads, the threads you do post in you are post whoreing, 500 club and Origin, and anybody who offers a different opinion to you as in the Chinese camper thread and this thread you try and bully your way to prove your point and you say you don't have a chip on your shoulder?
Here's another example of your bully boy tactics, throwing your toys our of the cot.
http://myswag.org/forum/index.php?topic=16471.msg260583#msg260583 (http://myswag.org/forum/index.php?topic=16471.msg260583#msg260583)
So again u know how to copy and paste, you do lots of that.
Bully boy? LOL.
What's ya point?
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What's ya point?
In case you missed it
So you're hassling me for being childish when you don't have any build threads, the threads you do post in you are post whoreing, 500 club and Origin, and anybody who offers a different opinion to you as in the Chinese camper thread and this thread you try and bully your way to prove your point and you say you don't have a chip on your shoulder?
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Post whore yep. Thanks captain obvious.
We are all entitled to our view or opinion.
Just wish you would realize that.
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Post whore yep. Thanks captain obvious.
We are all entitled to our view or opinion.
Just wish you would realize that.
You're the one jumping down my throat and pushing your opinion as law after I offered an alternate opinion. You might want you re-read your posts.
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Wahooo
Just found this thread.
Time to get a few stubbies and start from the OP.
I need a laugh tonight. :cheers:
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Actually after reading all threads I've changed my opinion, I want it all now and I'm greedy :cheers:
Greg
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Wahooo
Just found this thread.
Time to get a few stubbies and start from the OP.
I need a laugh tonight. :cheers:
(http://blkmav.com/stuff/delivers.jpg)
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You're the one jumping down my throat and pushing your opinion as law after I offered an alternate opinion. You might want you re-read your posts.
Didn't jump mate. Judging by responses, other members feel the same. No more D4D, I'm over ya mate.
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Didn't jump mate. Judging by responses, other members feel the same. No more D4D, I'm over ya mate.
The proof is in the posts in this thread for all to see. Don't let the door hit you on the way out!
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The proof is in the posts in this thread for all to see. Don't let the door hit you on the way out!
So you felt I was jumping down your throat? If your mouth wasn't so big, I wouldn't fit.
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So you felt I was jumping down your throat? If your mouth wasn't so big, I wouldn't fit.
That's all you've got? Have another go...
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Why?
Did I do that wrong too?
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Mate you're the one who is carrying on and on with negativity and childish games, the same as you did in the Chinese camper thread and the 500 post thread. I offered an alternate opinion and yourself, Dogsbreakfast and schmik saw fit to try and tell everyone I was wrong and you were right. I don't know what chip you have on your shoulder but you are showing it for all to see.
Maybe you should stay off the internet for awhile if you took my opinion as singleing you out?!?
Forums are for opinions. Take it with a grain of salt.
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(http://blkmav.com/images/notagain.jpg)
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(http://www.demoties.com/wp-content/uploads/2011/10/give-him-a-break-Demotivational-poster.jpg)
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This thread juyt went completely off track.
Thread replies at 50 paces, pistols at dawn, fingers on the buttons.
Have a laugh and chill out.
Guys,guys? Guys???.....??? Fellas?
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;-) all good here.
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It is interesting that no-one in this little too and thro stepped up and pulled their heads in. Instead of reporting an antagonist and getting this BS nipped in the butt early it dissolved into a slanging match between Myswaggers......Myswaggers who should bloody know better. >:(
Bloody grow up and give a bit. Your antics drag down this awesome forum and bring discredit to it.
Now I have a few members in my sights and a week in the bin will be forcoming if this BS starts again.
>:(