Any advice on areas to retire to that are low or zero tax, I am looking at Cyprus as a low tax area and interested to know of any folk who’ve baled out of UK and how it’s going or any advice. 

Just now, Cheese said:

What did you study?

Business Studies. 

Just now, Ani said:

How about 90% of people from my generation who did not get the chance to go to Uni ? 

I feel sorry for them, and think they should have got that chance.

Just now, Cheese said:

The Government don't fund it - unlike they did when you went to Uni.

I know in my day they did, which was good but you had to qualify by getting the grades. 
 

 

3 minutes ago, Ani said:

I know in my day they did, which was good but you had to qualify by getting the grades. 

You have to qualify by getting the grades nowadays...

This is just typical middle-aged/old person shite. "It was harder back in my day....kids today don't know they're born....etc.". Tedious, thick, boring, and simply wrong.

Edited April 16Apr 16 by Cheese

Just now, Cheese said:

You have to qualify by getting the grades nowadays...

But nowhere near the level needed back then. 2 Bs and a C , I got these days 2 Ds.

unless 50% of jobs require degree level people why go through the process of forcing kids into degree courses rather alternative options like apprenticeships? Pushing them into debt ? 

Just now, Ani said:

But nowhere near the level needed back then. 2 Bs and a C , I got these days 2 Ds.

unless 50% of jobs require degree level people why go through the process of forcing kids into degree courses rather alternative options like apprenticeships? Pushing them into debt ? 

Literally nobody is "forcing kids into degree courses". What planet are you living on?

7 minutes ago, Cheese said:

I feel sorry for them, and think they should have got that chance.

Strange but I know no one of my generation who thinks they have lost in life by not going to Uni. I have worked with loads of clever well paid folk who in the long run benefitted by not  going to Uni. 

3 minutes ago, Ani said:

Strange but I know no one of my generation who thinks they have lost in life by not going to Uni. I have worked with loads of clever well paid folk who in the long run benefitted by not  going to Uni. 

What's that anecdotal shite got to do with anything? Maybe if they'd had the chance, they would have been even better off now? Maybe they wouldn't have even wanted to go, but at least the option would have been there. I find it very odd that you think today's kids should have less options than you did in your youth.

2 minutes ago, Cheese said:

Literally nobody is "forcing kids into degree courses". What planet are you living on?

They are being forced into it by lack of viable alternatives. 
I am at the age where my kids and mates kids have en through the Uni years and most went because there were no great alternatives. How many companies take on 16 year olds in any numbers ? So they do A levels, they at 18 not enough intakes so they go to Uni.

People ignore that back in the day companies , banks etc would all be taking kids on every year. 

 

 

 

4 minutes ago, Cheese said:

You have to qualify by getting the grades nowadays...

This is just typical middle-aged/old person shite. "It was harder back in my day....kids today don't know they're born....etc.". Tedious, thick, boring, and simply wrong.

The whole of my year not one went to uni and very few went on to do two extra years in the sixth form. It simply was not the thing......Before you say but they must have all been numb fuckers many went on and got good Apprenticeships and went on to have good working careers. Me i left School on the Friday a week before my 16th Birthday and started on the following Monday. A lot of that generation worked hard bought there own homes and had families young.......They are now reaping well earned rewards

1 minute ago, Cheese said:

What's that anecdotal shite got to do with anything? Maybe if they'd had the chance, they would have been even better off now? Maybe they wouldn't have even wanted to go, but at least the option would have been there. I find it very odd that you think today's kids should have less options than you did in your youth.

Not since you tried to explain laying a bet has your lack of understanding been this obvious. Anecdotal stuff is terrible when it does not suit your point.
 

I would have like to have been a footballer, but I could not because despite a sweet right foot I was not qualified. That is life.

Why do we need 50% of kids getting degrees ? 

7 minutes ago, masi 51 said:

The whole of my year not one went to uni and very few went on to do two extra years in the sixth form. It simply was not the thing......Before you say but they must have all been numb fuckers many went on and got good Apprenticeships and went on to have good working careers. Me i left School on the Friday a week before my 16th Birthday and started on the following Monday. A lot of that generation worked hard bought there own homes and had families young.......They are now reaping well earned rewards

But that is anecdotal ! 

4 minutes ago, masi 51 said:

The whole of my year not one went to uni and very few went on to do two extra years in the sixth form. It simply was not the thing......Before you say but they must have all been numb fuckers many went on and got good Apprenticeships and went on to have good working careers. Me i left School on the Friday a week before my 16th Birthday and started on the following Monday. A lot of that generation worked hard bought there own homes and had families young.......They are now reaping well earned rewards

I didn't go to Uni - or even college - even though that should have been my natural route, and it would've been free. I got an Apprenticeship straight from school. I wouldn't call anyone a numb fucker unless they're a numb fucker.

1 minute ago, Ani said:

Not since you tried to explain laying a bet has your lack of understanding been this obvious. Anecdotal stuff is terrible when it does not suit your point.
 

I would have like to have been a footballer, but I could not because despite a sweet right foot I was not qualified. That is life.

Why do we need 50% of kids getting degrees ? 

Who has said we "need 50% of kids getting degrees"? Why did you get a degree? Why are you so against young uns getting the opportunities you got?

1 minute ago, Cheese said:

I didn't go to Uni - or even college - even though that should have been my natural route, and it would've been free. I got an Apprenticeship straight from school. I wouldn't call anyone a numb fucker unless they're a numb fucker.

I am sure you have said something along them lines, but i take it with a pinch of salt. The Apprenticeships are not available now  like in our day but a lot of the younger generation would be better not wasting 5 years in further education and walk out of uni and walk into McDonalds

12 minutes ago, masi 51 said:

I am sure you have said something along them lines, but i take it with a pinch of salt. The Apprenticeships are not available now  like in our day but a lot of the younger generation would be better not wasting 5 years in further education and walk out of uni and walk into McDonalds

I suspect "our days" are decades apart. I also suspect the younger generation don't give a fuck what you think about them "wasting 5 years in further education". Let them crack on and live their lives and make mistakes, like we all did. I'll never understand why older folk want to control what the next generation do with their lives. It just comes across as extreme bitterness. Especially when they want to restrict younger folk from having the same opportunities they had. Very odd.

Edited April 16Apr 16 by Cheese

2 hours ago, Not in Crawley said:

The tripple lock is a nonsense.

Fuck off you old farts, you have been lucky enough to buy houses at nothing and then you want to move to Spain.

Just disgusting.

Maybe those who bought their own houses started work straight from school and saved hard. Maybe that’s why those who spend years doing pointless degrees whilst racking up a shit load of debt are struggling to get on the housing ladder. 

2 minutes ago, Cheese said:

I suspect "our days" are decades apart. I also suspect the younger generation don't give a fuck what you think about them "wasting 5 years in further education". Let them crack on and live their lives and make mistakes, like we all did. I'll never understand why older folk want to control what the next generation do with their lives. It just comes across as extreme bitterness.

Maybe if somebody tells Average Joe you fucked about for Five years with no interest in School i have got you a job Monday Labouring with So and so. Joe started on Monday liked the fresh air and liked the money at the end of the week, by the time Average Joe is 23/24 he has learned so and so job and now runs a three man team. Got his own van and goes abroad twice a year with 10k saved in the bank. His best mate who skipped school with him walked out of uni Friday and starts at the local petrol station Monday night with 30k Debts

Maybe you was his mate Cheese

21 minutes ago, Cheese said:

Who has said we "need 50% of kids getting degrees"? Why did you get a degree? Why are you so against young uns getting the opportunities you got?

That is what consecutive Govt have been working to.

I think that is too high, as most jobs do not need degree level people doing them.

I would love kids today to have the same opportunity, so if you get good enough A levels to get a place in the top ten percent or so there are less barriers to stop people going into Higher Education and these places funded to some extent. 
 

But would I do not understand is what is the actual opportunity that this extra 40% or so of people are getting ?

Neither of my step kids went Uni, one started an apprenticeship after A levels, is now 27 at same company and with his G/f own their own house. As he got to a more senior level his job needed a degree level person, his company funded his degree which he did part time. Now has a first class honours degree. The part you have missed/ignored in my post is that we should be encouraging more of this type of education with the companies who need graduate level employees funding it. 

 

 

7 minutes ago, masi 51 said:

Maybe if somebody tells Average Joe you fucked about for Five years with no interest in School i have got you a job Monday Labouring with So and so. Joe started on Monday liked the fresh air and liked the money at the end of the week, by the time Average Joe is 23/24 he has learned so and so job and now runs a three man team. Got his own van and goes abroad twice a year with 10k saved in the bank. His best mate who skipped school with him walked out of uni Friday and starts at the local petrol station Monday night with 30k Debts

Maybe you was his mate Cheese

Maybe you just made up that anecdote to fit your narrative? And even if it's true, it's still an anecdote - from the point of view of someone who has already decided that people who go to University are below them for some reason.

6 minutes ago, Ani said:

That is what consecutive Govt have been working to.

I think that is too high, as most jobs do not need degree level people doing them.

I would love kids today to have the same opportunity, so if you get good enough A levels to get a place in the top ten percent or so there are less barriers to stop people going into Higher Education and these places funded to some extent. 
 

But would I do not understand is what is the actual opportunity that this extra 40% or so of people are getting ?

Neither of my step kids went Uni, one started an apprenticeship after A levels, is now 27 at same company and with his G/f own their own house. As he got to a more senior level his job needed a degree level person, his company funded his degree which he did part time. Now has a first class honours degree. The part you have missed/ignored in my post is that we should be encouraging more of this type of education with the companies who need graduate level employees funding it. 

 

 

You've had your time mate. Let it go. Let the kids do whatever the fuck they choose to do with their lives.

I thought it'd be higher than 36-38%

28 minutes ago, royal white said:

Maybe those who bought their own houses started work straight from school and saved hard. Maybe that’s why those who spend years doing pointless degrees whilst racking up a shit load of debt are struggling to get on the housing ladder. 

Nope.

There's not the industry in this country now for every 18yr old to do an apprenticeship out of college or start at 15 like my dad did.

All sold off to foreign businesses to make a handful of already rich people a bit richer.

14 minutes ago, Ani said:

That is what consecutive Govt have been working to.

I think that is too high, as most jobs do not need degree level people doing them.

I would love kids today to have the same opportunity, so if you get good enough A levels to get a place in the top ten percent or so there are less barriers to stop people going into Higher Education and these places funded to some extent. 
 

But would I do not understand is what is the actual opportunity that this extra 40% or so of people are getting ?

Neither of my step kids went Uni, one started an apprenticeship after A levels, is now 27 at same company and with his G/f own their own house. As he got to a more senior level his job needed a degree level person, his company funded his degree which he did part time. Now has a first class honours degree. The part you have missed/ignored in my post is that we should be encouraging more of this type of education with the companies who need graduate level employees funding it. 

 

 

Utter rubbish from the old school yet again.