We don't want the government to lurch to the left

My parents didn’t have private pensions
They had no UC and were low earners so couldn’t afford it and
there was no compulsory employer contributions
so
Whats better than Nothing !!
Today employers pay money in. That’s again better than nothing

My pension is going well but that’s because I went for high risk investments. My husbands is utterly crap because he went safe
Private pensions were all over the place and vary hugely so we can’t compare
Nor can we compare when many of us went for many years with no employer contributions

Yes
We will have to work longer but the only big difference is for women with the jump from 60.

Which I absolutely agree with for the sake of equality

On balance whilst you say you are not young you don’t seem to remember what was available when older people were young.

As I said before. Ask an unmarried mother what is was like having to give up their child, how keeping one meant no one would give you a job. How there was actually no free childcare. It’s all not that long ago. Mother and baby slave camps for example were around into the 1990s.

David Cameron introduced tax cuts. I got one while austerity was pursued relentlessly and public services were falling apart around us. That didn’t help, nor did Truss’s crazy ideas about slashing taxes, regulation and government spending. We are still suffering the effects of supporting the banks during the crash, years of under investment in pretty much everything that can stimulate an economy and of course, Brexit. I don’t envy anyone trying to sort it out, and anyone who claims it will be easy is a liar.

and I have three sons.

Your posts have changed the goalposts though, now switching to ‘ it’s all about housing costs’ etc
I responded to your pps about support
and
your posts blaming the elderly

There is much more support , including for childcare and I have explained already we cannot blame a demographic for being born at a boom post war time and the fallout from that

I have not denied the fallout exists , which is obvious if you actually rmps.

Why people twist stuff and misrepresent other's on these threads is very telling.

You cant compare public and private pensions

I didn’t compare them to each other. I said pensions are less generous today because they are and that the age for state pension has increased. Don’t put words in my mouth

Mortgage. If you lose your job you can get a short term loan to help pay for it whilst you’re looking for work. In the past you got nothing

Why are you forgetting about MIRAS?

@DrPrunesqualer read my posts then before you reply to them 😆

Im afraid thinking there is less financial support for young people now compared to the past is woefully incorrect

Again there isn’t free childcare.

There is less social housing now for one which was a huge support for families in the past. Housing costs are crippling. As I said pointless debating with someone who can’t see that the youth of today face a very different landscape. I’m not young but I have dc.

If Reform lurched any more to the right they would be out the other side and mid-Jeremy Corbyn.

Read my posts!

I haven’t commented on wage stagnation or salary to housing costs

please Don’t put words in my posts.

Yet there was no free childcare at all not that long ago

You cant compare public and private pensions

In my working life so far I have had take out ‘new’ pensions with every different employer. Now employers are forced to pay into existing staff pensions from other employers. I have lost in costs 3 pensions because of this and lost my jobs because of babies. a job offering as much as 2% paid into a pension is a luxury in the private world
meanwhile 25% was recently offered to a dc along with a good salary in the public sector.
Before 2018 many private employers offered nothing other than ( if you were lucky ) a guy coming into the office to advice you on a pension. They weren’t paying anything in though.
There is no comparison and predicting how pensions will go in the future is pointless, hence the increase ‘in the past’ in pension landlords

Mortgage. If you lose your job you can get a short term loan to help pay for it whilst you’re looking for work. In the past you got nothing

Im afraid thinking there is less financial support for young people now compared to the past is woefully incorrect.

Talk to older unmarried mothers and see how you go

I was specifically responding to the PP who invested money in a cake business. People who cant be bothered to make a cake will pay for that service, but the fact PP said the business went under because it didnt make enough money to make a profit demonstrates that not enough people needed it. Lots of people need cleaners now, but won't in the future. Drones will replace posties. And all those people will become economically stagnant and will buy less things and put less into the economy and pay less tax.

Edit to say, to be fair to you, it was old fashioned of me to think that manual jobs that are easy to learn and mechanise will be most effected. All the writing, maths and arts jobs are already on the way out due to AI!

Absolutely! but they can be trained in two hours ...
Who knew they aren't meeting any needs

Supply and demand babes. A cleaner solves a problem for a busy person who hates cleaning. Once a robot comes along that cleans your house from top to bottom, all those jobs go too.

@Dragonflytamer but surely you would have always moved to a machinery model even with the lower minimum wage?

Oh course i pay tax, you absolute teatowel. I still want the government to "lurch to the left" 🙄 and spend money on things that it needs to spend money on.

If the business you own is providing a service which anyone could do after two hours training, then its not meeting a need and is unlikely to survive.

OMG! this is a new high of stupidity!

so all those cleaning businesses, delivery, postal service, even shops etc, they aren't meeting any needs... because those at the bottom of the ladder, like PP's batch operator, can be trained in a few hours to drop a post at a front door or stock shelf.

Or: E. Donate to charities which support crumbling social services. That’s what I do. What I will never do is to complain about paying more tax so that millions of children can be lifted out of poverty.

@Dorisbonson I was recently in hospital
and they would scan my wristband and sync the obs machine with my results so no need for paper.

I did think perhaps we should be making a contribution towards the food/tea & biscuits and also the transport system that some used.

@DrPrunesqualer childcare costs are prohibitive & governments want more mothers in work. Free childcare doesn’t actually mean free childcare… look at birth rates.

Even with auto enrolment pensions today are better than what younger generations will have access to as public & private schemes are less generous & the state age has increased.

Support in paying a mortgage ( be it limited ) is a very recent thing , in the past people’s homes were repocessed. Helping all those with a mortgage

What support do you get with paying a mortgage? MIRAS is no longer a thing.

But I can’t really argue with someone who doesn’t think wage stagnation, housing to salary ratio etc hasn’t disproportionately impacted the young…

No idea if you followed the recent court cases eg Sandie Peggie
Id get rid the astonishing number of staff in nonsence roles and
Prioritise all medical staff

I wouldnt refuse care to anyone eg drug dependency
where does that stop

you're trying to reason...

but some on here believe that government is bailing the business out unless they put taxes up 🙄

Well it must be better than a lurch to the right. But then I am always absolutely baffled by how astounding silly some people can be.

This is a sideshow, but 2 staff salaries per shift plus pensions saved times 2-3 shifts is vastly in excess of 150k. Gives enough left over for ipads, tech support and fractional salary costs associated with helping those who can't use ipads/follow instructions. This is just an easy one.

It turned over £6.7m so it wasn't really in hobby territory. In the end we industrialised we let go 90% of the workforce invested in machinery, now we produce less fancy cakes but in higher volume but at 20% of the wage bill.

If the business you own is providing a service which anyone could do after two hours training, then its not meeting a need and is unlikely to survive. Its lovely as a hobby that pays a little pocket money, but its not going to be a business unless you're offering something that solves a problem for someone.

Economics?

No.

I did run a perfectly successful, profitable small business for nearly two decades though, paid my staff well over and above NMW, gave them more than statutory minimum leave entitlement, had no issues with staff retention etc, so think I'm entitled to suggest that if you can't do this yourself the problem isn't legislation, the government of the day, or "left wingers", it's your business model.