http://www.chathamdailynews.ca/2015/10/07/defaced-signs-stem-from-culture-of-division-ramal
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yes. sure blame someone, easy solution.
Well in one sense he is right. Politics are certainly moving in that direction (division), it's a little kettle calling the pot black though . We are continually becoming more and more like the US.
only thing worth noting
I guess the good Candidate doesn't see the hypocrisy and division wearing the niqab/burka creates to begin with.Quote:
He points to Harper making the niqab an election issue, claiming a woman's face should not be covered during a citizenship oath, and would ban civil servants from wearing them on the job, as fueling racism
"one rule for all"...That's one
But more importantly, what are they but signs and tools that oppress and promote inequality between men who dictate to women, as though they are chattel, what they can wear and how much skin they can show in public . In those regions where they are worn, where young girls are raised essentially indoctrinated from a young age, there are two classes.
Men
and
women
And that really, there is no place for that in our society. Perhaps we should make women wears aprons as well? Or Muslim men wear them as well. I mean after all, he is a believer equality and hater of racism/sexism and we should be treated equally?
Even though i don't like everything he has done i'll take Harper over TruDope or NDP....
We can only hope that Canadians see that and vote accordingly. I still have faith that enough people aren't completely fooled by cheap stunt politicing.Quote:
Originally Posted by Brampton Mike
My husband has been walking the blocks for months/weeks with the Conservative candidate for our area. All he hears is "We're voting Liberal." When he asks why , they talk about all the money that's going to be put into the economy for their well- being and their kids well- being - jobs etc.
Remember that most of the generation before me and the younger ones in my generation don't care about a deficit if it will help their kids get jobs etc. They are running a $20 000 credit card debt on average themselves ( out side of their mortgage) .
Not so much in this riding because Veterans Affairs Minister Erin O'Toole pretty much has a lock on it,but,I too have heard the same thing from younger parents at the grandkids hockey and soccer gigs who are having a really tough time adjusting their attitudes and fiscal skills to today's financial realities. I hate to say this,but,none of them have a clue and you're absolutely correct about them being eyeballs deep in debt with no way to make ends meet and the scary thing is they think it's normal. This country is in for a rough ride the same as America was a few years ago. These younger people are about to get jerked silly and the older generation might as well talk to the wall.Quote:
Originally Posted by Sharon
Exactly. :thumbup:
First time I noticed this forum lol. True story today. Talking to my neighbor earlier. He's at the voting station today in the line. An older lady says she voting liberal. So he asks her why and she says because Harper is going to cancel Coronation Street. I guess we have to realize that different segments of society can look at this from totally aspects, and not much else really matters to them. Logical or not...
My wife and I had this same conversation the other night. Everyone of the younger generation seems to be in debt up to their eyeballs and beyond? Not just with mortgage's, but silly consumer debt. Furniture, TV's Electronics, Pool in the back yard, Travel trailers, ATV's and on and on..... It's like they have absolutely no concept of what it means? They want it now, so put it on credit and pay later?Quote:
Originally Posted by Sharon
Spending borrowed money on the infrastructure to create jobs might give a few some work, but what happens when that is done? The country is in debt to their eyeballs and there still isn't any work since the global economy is in disarray?
I am just so glad that my wife and I are mortgage free and literally debt free! Don't owe a penny to anyone except our monthly utility bills, phone and grocery. This country is in for a world of hurt if either of those 2 tards get voted in? Dippers and Libtards!
While I do not disagree with the way my fellow youngergeneration (I'm 30 btw) spend our money or charge things to credit, it's notall of us.
I was lucky enough tograduate college with a student loan under $10k because I worked 40hours a weekwhile in college; now many kids are lucky to graduate with less than $20k inloans, and not because they buy buy buy, it's what it costs now. Maybe theycould work like I did, and I’m sure many do, but grades suffer, and so does thesocial life, some kids don't understand that sacrifices need to be made for thefuture.
Here’s a little insight from our eyes:
A lot of the more "experienced in life" didn'tstart out in the work force with $20k in debt just to get a job that pays $40k,if they can find a job at all, people aren't retiring due to the more the oldergeneration buying $500k houses and are mortgaged to the hilt at 50-60, so whatare the younger kids to do? Work at McDonalds making $12/hr and still struggleto pay back the $20k loan? $12/hr won't cover that plus other living expenses.
How many kids can fix a lawn mower let alone a car? Backwhen the older generations started out, it was easy, not computerized, anyonecould fix it, so now the kids are stuck buying an older car that’s going tobreak down constantly, that they can't fix and are stuck paying $90/hr plusparts... Or they buy a new one and finance it over a longer term... What arethey to do? Some times you have to commute to keep overhead low, rent away fromwork could be much cheaper than close to work, so now you commute.
Now there is housing, this really chaps my behind, you can'tbuy a hole in the wall for $100k, unless you can fix it, how many kids can dothat? Not many, and they have to follow a building code that past generationsdidn't have to worry about being enforced. Older generations could have boughta farm for $30-40k A FARM now that’s 2 years mortgage now. Yes interest rateswere high then, but still the principle is so miniscule over 25yrs.
Consumer debt is totally different, there are lots of oldergenerations that are in the same boat because they don't keep track of money,they just swipe on debit, or a credit card, it's very easy to lose track ofcash if you don't carry physical cash.
Be too complicated to blame the boob with the paint can? Better to outlaw paint cans maybe, keep it simple for the stupids....
I hope you don't vote Liberal because if you think you have it bad now ! Lots of opportunity for the young generation and my kids are proof of it. It's all about education, making connections with the right people, seeing opportunities when most of the time they are usually right in front of you and being a creative thinker.Quote:
Originally Posted by Nismo
Good Luck
Ah-h-h, to be young and idealistic again. Welcome to LIFE. LOLQuote:
Originally Posted by Nismo
Nizmo, you've identified many of the problems, now take Yellow Dog's advice and find some solutions? Putting yourself further into debt to do/have what you think everyone else is doing or has, is certainly not the solution. Don't let everyone else's problem become yours. And don't let liberal ideology of being everything for everyone, cloud your mind. Stand up for yourself and carve out a life.
One wonders why the cost of an Education has soared so much.
Is it possible the only people benefitting from todays largely useless pieces of paper that society thinks is the be all and end all, is those employed in it?
I don't have to find solutions, I have a great job in power generation, in the trades, i did my homework, and I do not vote liberal. Idealistic has nothing to do with it, everyone has lost the true sense or reality.
I can also guarantee I am more set up than yellow dogs kids. We can compare pay stubs if needed.
The amount of people that want to give advice here for old world problems is unreal, sorry I will not take political advice or career advice from you people.
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Don't get yer knickers in a knot there young fella. Your first post in this thread was full of excuses and it appeared they were your excuses? If you're doing fine, that's great! Keep paying that CPP so I can get my pension going for next year!Quote:
Originally Posted by Nismo
No knots here, they were not excuses, but I was hoping that it might bring to light the struggles the younger generation has to deal with today because past generations have screwed it up for them. Sometimes you have to read a little more into things rather than write them off as this kid is an excuse maker, and complainer, but older generations have had it so much harder right? ;)
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The last thing my children look at is how big a paycheck is at the end of the day. I raised them better than that and it's there contribution to society is most important by making a difference in peoples lives. They understand the money will come in time by connecting with people and building relationships. It would be a sad life if money was the only goal while being on this planet for such a short time.Quote:
Originally Posted by Nismo
Then you've taught them well,YD. Honor,honesty and personal integrity are attributes that colleges and universities will never be able to teach. I can't think of anything more sad than someone who is in a million dollar a year job and hates every minute of it. It seems their longevity of life is very short.Quote:
Originally Posted by yellow dog
Well, not much value in either generation blaming the other.Quote:
Originally Posted by Nismo
When I graduated from high school, there was no student loan system and my family was poor. To get my B.A. , I worked all day and went to University 4 nights a week for 8 years - and every weekend doing assignments. It definitely wasn't easy then.
Also taught by my Dad that money didn't mean as much as kindness. I remember when I was about 8 going with my Dad to see his friend , who's home had just burned down. I watched my Dad give him $25.00. That was a LOT for my poor family. Never forgot that lesson.
I don't disagree with anything said, but in this day and age kindness will get you walked on, you have to have thick skin, you guys still miss my points, it's not the same as when you grew up, people will backstab you just to get a head. That's life now.
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Nismo, it is possible to show kindness where it counts AND have a thick skin. The key is discernment. I'll help anyone who is suffering through no fault of their own. Those who have caused their own dilemma need to learn from it, or they are doomed to repeat it.Quote:
Originally Posted by Nismo
I'm the same way, anybody that knows me knows that, but it's still not the same world people don't get that, bullying for example, how do you get away from it now, you used to settle it the old fashioned way, now you get arrested even if you are the victim, or they do it online. It's different, and some people will never ever get it that is clear!
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Speaking as a person whose life has been far from the norm, the stuff only Hollywood can dream up. Includes things like being a high school drop out, group home resident, spent time in the ghettos.
Coming home from work one day many years later 2 months before scheduled surgery to remove a cancerous tumor from my head to the proverbial "dear john, empty home letter". Then lost everything in the span of 3 months. This was 2008 and the crash. A perfect storm and almost my life.
A child in 2012 who was badly victimized, and bullied by dozens, who later tried something no parent can imagine unless you've been there.
Please Nizmo spare us the "life is harder" for youth today. It's only harder because youth today are "entitled", have lives as children, those that are older never imagined and didn't have themselves growing up.
Different? Yes
With different problems/hardships? Absolutely. See my daughter.
Deal with it, that's "life"
Did Boomers create much of today's problems? Yes they did
What are "you" (today's youth) doing about it except pointing fingers
Your children are a reflection of how they were raised by thier parents mostly. Not entirely but certainly a big part. I have two kids and couldn't be prouder of them. I taught them to treat others the way they would want to be treated themselves.
Nismo,Quote:
Originally Posted by Nismo
I am 11 years older than you are and I don't know if you would call me "more experience in life" than you are but I have to say a few things about your generalizations (insights).
Firstly, no one in Canada has ever been forced to take on debt when going to school. When I was choosing a post secondary route for schooling, I went to college because I didn't want to be saddled with debt or put my family into hard times. I had the marks to go study engineering and/or the sciences in university but I decided to take Electro-mechanical Engineering Technology from Sir Sandford Fleming College. I worked my way through school just as you did and I also saved on money by living at home and driving into school. I didn't go out every night to the various pub nights like some of my college associates did. The result is I had zero debt coming out of school. I sacrificed on a lot of experiences because I didn't want to have an anchor around my neck when I graduated because I knew my first job out of school wasn't going to be paying me 70K/year. Perhaps the "younger generation" should make better decisions when it comes to their post-secondary education and finances.
Secondly, people aren't retiring because they are mortgaged with 500K houses. They aren't retiring because people live longer. In 1980, the average life expectancy was 75.08. In 2012, it was 81.24 years. Those extra six years aren't free. People look towards their retirement years as a time to relax, be pampered and do things they have always wanted to do. That costs money. They have also seen what happens to people who don't have any money (their parents) upon retirement and they would rather choose a different route. As for what younger kids are supposed to do because of this, again no one is forcing you to wait for the older generation's job positions to become vacant. Necessity is the mother of all invention. There are jobs out there if you are willing to lower your standards. When I was laid off last year, I had a heck of time getting a position in my field. I started to talk to tradespeople I know in the hopes of finding an apprenticeship because I needed my bills to be paid. It would have been a huge backwards step in my career (as well as financially) had this opportunity I am at currently wasn't offered but I was willing to sacrifice a lot in order pay the necessities (we had even talked about possibly selling our house and moving back into an apartment because it made better financial sense).
Thridly, fixing a mechanical device isn't any more difficult than it was before. Not too many lawn mowers (two or four stroke) have computers. While automobiles have become more computerized, at the end of the day, they are mechanical devices which can be maintained by the average person. You don't need to monkey around with the computer to change to oil, fix the brakes, lube the bearings, change and universal joint, change the air filter, etc. A lot of young people either don't want to or don't know how to maintain their possessions and rather than learning how to maintain or even fix their possessions, they would much rather pay someone else to do it. Also, if the younger generation bought older cars and knew how to fix them, they wouldn't have to pay outrageous mechanic prices because as you so aptly put it "anyone could fix it". Today, the younger generation wants it's top end toys and they want all of them and they want someone else to look after them for them. Well something has to give because money doesn't grow on trees (believe me I have planted enough money in the ground in hopes that this was false when I was a kid).
Lastly, your housing costs. Yes prices are steep. However, interest rates are nowhere near what previous generations paid. This is economics at it's finest. The law of supply and demand. As for buying a $100K home and having to fix it up, again there is a lot of home improvement the average person can do themselves if they took the time to learn it. The big stuff (structural, major electrical, major plumbing) all need to be done by a professional but minor things (re-shingling a roof, changing an electrical outlet or switch, un-clogging a drain, etc) can be done by the average joe. My wife and I were pre-approved for a significant mortgage when we started looking for houses. However, we took our time and looked for a good deal instead of rushing out to buy the largest house on the block because our philosophy was we only plan to buy one house for the rest of our lives rather than get a starter home, then when the kids start coming something a little bit bigger, then when the kids move out have to reduce our home size.
Younger generations have more disposable income than the generations before it. I have more disposable income than my father did when he was my age and he had more disposable income than my grandfather did at the same age, etc, etc. Also my generation didn't have to grow up through the tough times my father did or my grandfather did. Think finding a job is tough now, try doing it in the 1930's. Think gas prices are expensive now, try it in the 70's where gas price to income was comparable to today and they were having shortages all over the country.
You are right consumer debt isn't a generational thing. However, I think the older generations are less likely to load up on debt than the younger ones because of what they have had to go through (great depression, world war 2, etc) and the fact they are more likely to watch their bottom line because their incomes are fixed or are at a closer ceiling than younger generations.
Dyth
Younger people now expect a far higher level of luxury. I scratch my head when I see young couples move into new subdivisions with the homes selling for $600-700K and then see a $50k pickup for dad and a $42K SUV for mom in the driveway. We bought a modest a home and paid it off 10 years ago now. I buy my wife slightly used cars and she always drives a nice SUV for near half what a new one costs and mine is company supplied. We have no debt and are in a position to help the kids with University but they work every part time hour they can get.When my youngest turned 16 this summer the first thing she asked was to be driven around to hand out resumes as she also wanted to work. She got hired a s a weekend cashier on her first interview. My kids are surrounded with friends who live in luxury homes and whose parents drive Benzes and Audis, doesn't impress them at all. I like that.
I have always said the best thing my father ever did for me was put me to work on my uncle's tobacco farm. Although I had helped out with other members of my family's farms, tobacco farming was an entirely different ball game. I lament when my uncle decided to no longer farm tobacco because my kids will have nothing comparable to it even though I know when my grandfather grew tobacco the work was much, much harder for him and my father.
A lot can change in 10 years, kids now are almost paying double the tuition costs I did, I'm sure it's about the same in the decade you and I are apart.Quote:
Originally Posted by Dythbringer
I'm all about making better financial decisions, that why I was debt free, at 21, my only debt is my house, and truck. Now others they did that to themselves are they to blame yes... But they were also given these luxuries growing up and want to provide that for their families, but credit is too easy to get now...
How do you build credit? You need to owe money, that's why I took out a student loan, I didn't get my fist MasterCard until I was 23 with a full time job. But that's how I was raised.
As for people living longer, you are correct, but maybe they should have been saving a lot sooner, or more. My pension at work is amazing but I still put money away every paycheque, you never know...
You missed my point on the lawn mowers but it's ok, kids can't fix anything anymore, throw it out buy new... How are they expected to fix a car if they don't know where to start mechanically, let alone a computer that you need special tools to read. Are kids lazier now? Oh yes, but who was there to help them along the way? It seems no one wants to get their hands dirty and learn something, that is very sad, it's just easier to pay someone!
House renos, people are too busy for that, again they don't want to learn, or were never taught. No one can even hook up a 3 way switch anymore.
Learning how to fix a car or house is one of the best ways to save $1000's, and you have the satisfaction of knowing you fixed it, not some guy who doesn't care. This is the stuff that should be passed on but isn't because parents are too busy, not only teaching kindness, and being humble, it saves kids from being taken advantage of.
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Ever wondered how different your life would be if you didn't have a pension?Quote:
As for people living longer, you are correct, but maybe they should have been saving a lot sooner, or more. My pension at work is amazing but I still put money away every paycheque, you never know...
Well lets do some very.....very....broad and loose calculations using median numbers, and some sort of loose approximations and assumptions.
The mean duo income is 75,000 and the average single is 50k.
Estimates suggest people in this area pay roughly 45% to taxes (all in) and 40% to housing, food, clothing.
So lets say johnny q grosses $60,000
After tax disposable income $33,000
After H,F,C disposable income $19,800
Gas/car budget lets call it -$5000
Leaves around $15,000 or $1,500 per month for everything else.
Life insurance and more
Kids have sports or activities?
more?
Oh, don't forget you need to save about 10% per year and pay down debt per year.
*************************
Retirement goal. Rule of thumb is 60%-70% of gross income.
65% of $60,000 = $42,250<<in order to maintain a similar lifestyle
You hope to live 20 to 25 years. So lets use 20 years, and assume it earns 3% per year.
On the day you retire you want, in the bank $628,588.19 (net value)..in order to last 20 years with withdrawals of 42,250/year
Your 30 years old and have say 25 years to save that (freedom 55). How much do you need put away each year?
$17,252
lol, youth. :)
Now explain please or consider how the average stiff is supposed to do that......and....pay down debt.....and live a little.
And you hope to god along the road of life there are no speed bumps.
Job loss
Car blows up
House roof and furnace blow up
Kids and braces or kids and X
etc
etc
My responses are in red....Quote:
Originally Posted by Nismo
Anyone (between the ages of 40-75) else reminded of the days when our parents said.
Well I had to walk to and from school, in the rain and snow, uphill both ways.
Nizmo.
When I grew up. Many families we still single income, so mom was able to stay home, raise the kids, take care of things at home. By the time I was a young parent myself both my Ex and I were up at 5am, out the door by 6am or earlier, not home until 6:30-7:00pm. Dinner, clean up, homework, bath time spend 15 minutes with the kids, get them to sleep.
/crash and wake up again by 5am.
****************
Today. Many of your generation work from home, part time or full time, or have flex hours.
So between us.
Who has more time and energy to fix things around the house or XYZ?
you were saying?
It's only different. Not harder
Nismo, call it what you want but all I see are excuses and trivial first world problems. No one in North America has anything to complain about. I am currently working at sea on a ship and the crew on board is mostly East Indian. For the majority of them I earn their yearly wage in about 3 days and my yearly wage is more than a lifetime of earnings for them. Their contracts to stay on board are regularly 6 months or more, one of the guys in the engine room has been on board for 15 months. As crappy as it sounds, the crew on board are happy to have work and a job. So think about that for a bit before you start talking about how tough it is for the younger generation in the land of opportunity.
Jben nailed it with "It's only different. Not harder"