How would No Deal Brexit affect you personally?

[Puddelchen]

What impact would no deal have on your personal circumstances? What is your personal biggest worry?
In my case it is medication which is my biggest concern.

MissMalice I am sorry but that is stretching facts, tell me how the car washers, labourers, delivery van drivers, etc etc on min wage claiming working benefits pay more in taxes,
When they grow old and need the NHS more and claim a pension that stat will soon change.
It’s written by the independent which as we know is very EU friendly

Hesta
So your happy to let everybody come in and compete for housing etc and lower wages by competing for jobs with native people, that’s one way to lower living standards, still wouldn’t have to worry about Brexit then

Zero hours contracts are UK government policy. If the government changed UK law, the race to the bottom could be stopped.

Housing shortages are down to UK government policy. If the UK government properly funded social housing for Brits and properly taxed second homes of offshore investors it would be much less bad.

School / NHS / Government crises are all down to UK government austerity policy. If the UK government chose to properly tax the wealthy, it could fund the NHS

All of those can happen inside the EU
What makes you think any of them will magically happen outside the EU?

It wouldn’t affect me either. I work for a company that would not be be affected in any way. My DP is a self employed tradesman, so no impact there. No mortgage, my other assets are outside of the EU and UK, money is safe even if the £ takes a hit, in fact if the pound weakens I would make money by buying sterling.

I feel for those who are worried and hope it’s not as hard as a lot think it will be.

How exactly would cutting rates from stuff all to nearly zero
keep manufacturers hit by JIT delays from leaving the UK?

You would have to ask an economist - but the Bank of England did cut interest rates to 0.25% in August 2016 in the wake of the Brexit vote - and then raised them again.

When they grow old and need the NHS more and claim a pension that stat will soon change.

The car washers etc (being the group you asked about) are all within a demographic that doesn’t tend to use the schools, nhs, etc. And generally are here temporarily to make money before returning to their home country. They don’t stick around forever and instead exercise FOM to make a bit of money.

So they, on average, put in more than they take out. Doesn’t always work out - but on average it does.

@Hesta - So I can’t refer to a study reported in the Independent (but conducted by Oxford Economics) but you can rely on a quote in the Express?

Perhaps you might prefer - www.oxfordeconomics.com/recent-releases/8747673d-3b26-439b-9693-0e250df6dbba
Or
www.telegraph.co.uk/business/2018/09/18/eu-migrants-worth-public-finances-uk-born-study-claims/

Eyewhisker I think you mistake people that hate all immigrants regardless where they are from and people that have genuine concerns over immigration affecting their livelihoods especially at the low skilled end, there will always be a need for highly skilled people and some low skilled immigration, but we should put more effort and time and money into training are own people first instead of taking already train people from other countries, FOM has helped this by giving big firms a pool of people to pick from and neglected training and employment for local people

I have already lost two colleagues who were also friends, they are skilled workers but decided to move to another EU country after the referendum.

Currently trying to sell my house (in London). Have had a buyer pull out at last min due to 'economic uncertainty' apparently due to Brexit. The buyer basically thought he'd get more for his money if he waited to buy something later on... We had a lot of interest in the house at first, but no people seem to be holding off and the property prices have gone down in the area.

SalrycLuxx So none of the low skilled workers are living here with partners and kids going to school then ?

FOM has helped this by giving big firms a pool of people to pick from and neglected training and employment for local people

This is the wrong way round. Our governments have not invested in our people and we therefore - as a country - lack the skills employers need.

Also - if we end up in another recession as a result of No Deal - where will the money come from to train UK citizens?

Ending FOM won’t change that. We’ll make trade deals with US or India or China and the first thing they will ask for is visas for their people. We’ll just have immigrants from other countries.

@Hesta - it’s on average.

My small business has already failed because of Brexit. I will also be dangerously affected on the medication front. And longer NHS waiting lists and worse care because of EU staff returning to their home countries. And I'm sure that benefits will be cut further, and local services will deteriorate. I am in Scotland, and I think there is a high chance of a Scottish independence vote now, which will lead to more years of turmoil. I also worry about worsening divisions and inequalities in society. If we get a No Deal, there will be so much anger as Leavers realise that they've been shafted, and there is no way back. My children will suffer by having less opportunity to study and work abroad, which both had hoped to do at least to some extent, and by living in a small country with fewer opportunities, less money, more anger, etc etc, and by my not having money to help them on their way.

MissMalice Have you actually read through all that, there seems to be a lot of estimates and conjecture and we don’t keep records of EU citizens in or out, how can you show and put a cost on services used such as Doctors, dentists, social care, NHS use, public services, school places Etc it’s not a very accurate study

“On average”

Aka: “in general” or “more often the case than not”.

Does NOT mean: “never”

BollocksToBrexit
I have dual Irish citizenship so I'm ok and I'm in the process of registering my adult DD, so she'll be ok. But DH has no fall back. He's applied for citizenship here but processing times are currently at over 2.5 years

Why did you leave your applications so late in the day?

He submitted his application the day after the referendum.

Personally I think me and the rest of Scotland will go through yet another referendum

MissMalice We may well go into a recession, but we have many times while in the EU

My job will be in danger. I'm a single parent.

MissMalice We may well go into a recession, but we have many times while in the EU

How many times is many?
And how does that make it okay to effectively choose a course of action that is likely to lead to another recession?

As for the study - what else do you suggest? We go on feelings or hopes? Or we take the information we do have and make informed conclusions?

StoorieHoose Then if you win independence that will open another can of worms, Border issues, money issues ( pound/euro) will Scottish people be able to live and work in the rest of the U.K. Etc etc

MissMalice U.K. recession while in the EU 1975, 1980-81, 1990-91,2008-2009, that many, as you see every decade, we are due another

Four whole times. We are still in austerity measures from the last one (regardless of what May would have you believe).
And you’re happy for us to choose to enter another.

Why is that?

I take daily medication which keeps me alive. There are already serious shortages of this medication, it was mentioned in a news article I read today. Imported from the EU, so I could have a big issue soon!

I'm also really worried about food prices going up as I am already absolutely on the edge money wise. I can't afford to stock up much in advance either.

My sister's job involves working with an EU department - it is due to end in March and she hasn't found other work. She's panicking that she'll lose her home within the next few months (no mortgage help for 39 weeks on UC).

Longer term, DS is keen to study in the EU in a few years. Except that won't be very likely with no deal.