HPM - living the dream?(Whatever happend to) thread

[s.a.f]

tbh i think most women would rather they lived with me at mums place than rented a place of our own due to the sheer size of the family home.

also i know a guy that has a gf that lives with upper middle class parents, he lives their with his 2 brothers, so that's a mum, dad, 3 sons and one of them has a gf, so that defeats your whole "women dont want a bf that lives in big home with mummy" stigma.

No it does'nt. Is it the norm for young couples to move in with their in laws?
In the case of 'this guy I know' they're probably saving for their own place and curently have no other option.

Why do most young women leave their parents cushy houses to get their own place which would be much smaller? - Because people want to have their independance and lead their own lives, thats why!
You and you're situation are not the norm and the vast majority of young adults would laugh at you and think you need to grow up, especially the women.

 

[HairPieceMan]

maybe for working class people whos parents live in small places, but not upper middle class people.

well we will see saf, i prefer to live in luxy with mum than live in a dump like my work friend who rented a place with 4 tennents.

edit: so what kindof place do you live in saf?

 

[s.a.f]

maybe for working class people whos parents live in small places, but not upper middle class people.

Maybe if they have a great house they'll stay on for an extra year or 2 but eventually when they want to get a woman they too will move out.

well we will see saf, i prefer to live in luxy with mum than live in a dump like my work friend who rented a place with 4 tennents.

edit: so what kindof place do you live in saf?

I live in a 3 bedroom house, so I guess I'm one of those 'wealthy' people with spare rooms.

My parents have a 4 bedroom house but since my sisters moved out they are probably going to downsize to a bungalow for their retirement.

 

[HairPieceMan]

is it mortgaged out or are you renting?

is that 3 bed, 1 reception, 1 bathroom detached?

 

[s.a.f]

The house is paid for, its a standard 1970's style 3 bed detached lounge diner 1 bathroom 1 cloakroom 2 gardens and a garage. Nothing fancy but its MINE not my parents.

I also have another house on mortgage that I rent out.

And before you ask I'm just an ordinary working class guy earning average wages and I dont think any woman is going to be overly impressed in the slightest by this.

 

[HairPieceMan]

well tbh i dont see how you are staying in that kind of place your staying in a family home where 2 people will have a professional 30K wage package and are raising a family or 2 or 3 children.

im not sure how you are staying their on your own, especailly since its £6 an hour or about £10K a year for working class wage that you claim you are on.

honestly most people will look at your family home and expect two professional wage packages to come in, not ONE basic/working class wage packat to come in.

also i have no idea what this "second home" you seem to have is about?

 

[s.a.f]

im not sure how you are staying their on your own, especailly since its £6 an hour or about £10K a year for working class wage that you claim you are on.

Are you living in the 80's?
I earn twice that amount, just doing a job which is classed as basic unskilled work.
I have a cheap car and since I dont have kids or anything like that and I dont act flash its easy. These days anyone on less than £30k is working class. Many traditional manual labour jobs earn more than that.
I would say most middle class people are earning £40 -80k,
Gp's, dentists and headmasters all earn over £120k.

It seems you're not quite as wealthy as you imagined.

 

[LooseItAll]

edit: so what kindof place do you live in saf?

Here we go again :whistle:

 

[HairPieceMan]

ok saf you seem to be into internet searches so ill help you out on what is the minimal (aka working class) wage packat

http://www.direct.gov.uk/en/Employment/ ... G_10027201

£6 an hour or about £9K a year.

that is BASIC work and i class that as "low earner", UCMan will also chime in as he says he is on basic work 9$ an hour job.

typically these people will almost always rent (£70 a month) and never get on the property market



you only earn 20-30K a year as professional job (mostly in 30s)

Secondary school teacher
Primary school teacher
Fireman
Police Officer

typically these people will go on housing market in middle class place you are in now (£150K) but BOTH people need to be in professional jobs into 30s.


HIGH earners are on 60-70K a year (but only in their 40s)

doctors, lawyers etc.

these people go to upper middle class homes and have too much for themselves, these people are "rich" to regular people.

also even if you are earning double 10K a year, say about £20K a year that doesnt explain how your home is worth £150K+? and what do you mean its payed for? its already paid up in your early 30s? did you win the £200K lottery and are now mortgaging a second home?

or is this your 5x-8x broker part owner magical mortgage reality you live in?

I also have another house on mortgage that I rent out.

and wtf is up with this "second house" you seem to have?

are trying to tell me you are on £20K a year living in a £150K+ house while having a second house all payed up but renting it out?

whats the second house value.

also who the f*** is paying up 2 family houses on their own with 20-30K a year wage packet?

also this whole area malachy makes no difference, dundee, aberdeen, glasgow, edinbrugh its all more or less the same just a 10% difference and if you live in an expensive city liek london then you ake more money to accomodate that city, as example secondary school teacher in glasgow or fife makes £30K a year then he goes to london and makes £60K london becuase the house prices are twice that as before.

so stop saying that fife is a sh*t area, when in effect it would only be a 5% differenece between fife and some super posh place in newcastle as example.

 

[s.a.f]

Your view of what people are earning is just your personal opinion. It may serve your idea that you (or rather your parents) are somehow wealthy but its merely a false guesstimate on your behalf.

If the minimum wage is £6ph that does'nt mean that everyone who is classed as working class is earning the absolute minimum the law allows.

This is the real situation:

http://www.bbc.co.uk/news/magazine-15197860

So your mum is infact earning less than the average.

 

[HairPieceMan]

he average income for a British family with two adults working is £40,000 a year. But while there are people who feel well-off living on this, for others it is a daily struggle.

thats right

TWO ADULTS

the women a nurse in her 30s+ on 20K a year, she will only ever earn 20K a year, the guy will do something that will earn 20K a year as well.

combined income of £40,000. That is the average family income for a household with two people working, according to the Office for National Statistics.

this FURTHER proves my point!

also do you plan to explain this second home you have, and is the first home you have all payed up?

 

[s.a.f]

ok saf also even if you are earning double 10K a year, say about £20K a year that doesnt explain how your home is worth £150K+? and what do you mean its payed for? its already paid up in your early 30s? did you win the £200K lottery and are now mortgaging a second home?

or is this your 5x-8x broker part owner magical mortgage reality you live in?

I also have another house on mortgage that I rent out.

and wtf is up with this "second house" you seem to have?

are trying to tell me you are on £20K a year living in a £150K+ house while having a second house all payed up but renting it out?

whats the second house value.

also who the f*ck is paying up 2 family houses on their own with 20-30K a year wage packet?.

:shakehead:

Being a normal person, I did'nt spend my 20's staying at home all day with my mum. I was out working since my teens. I brought my house 12 yrs ago for £85k after saving up a £20k deposit and having a 15 yr mortgage. Every year I paid off an excess on the mortgage and about 3 yrs ago I was able to pay off the remainder using my savings. The house is now worth about £160k.

2 yrs ago I saw an opportunity to buy another house that needed renovating for £140k the house is in the same street where I live so using some money that I made from a company shares investment I made a deposit and got a £105k mortgage using my house as collateral.
I renovated the house and now rent it out, the rent covers the cost of the mortgage.

I'm not the only person I know doing this, many of my colleagues who dont have family commitments are using their disposable income to do the same.

 

[s.a.f]

he average income for a British family with two adults working is £40,000 a year. But while there are people who feel well-off living on this, for others it is a daily struggle.

thats right

TWO ADULTS

the women a nurse in her 30s+ on 20K a year, she will only ever earn 20K a year, the guy will do something that will earn 20K a year as well.

combined income of £40,000. That is the average family income for a household with two people working, according to the Office for National Statistics.

this FURTHER proves my point!

also do you plan to explain this second home you have, and is the first home you have all payed up?

Household income is household income wether its a single person working or 2.
Thats what we were discussing you claimed that you were upper middle class from your mums income. You cant now turn it around and claim that because its only 1 income it would be upper middle class if there were 2.

 

[HairPieceMan]

no i said my mum is on 30K a year (middle class) but my DAD must have been on 100K a year to make it like two high earners on 70K a year thus my home is upper middle class.

 

[s.a.f]

Did'nt you say your dad is now separated from your mum, but now he continues to give her all his income to maintain this upper middle class lifestyle? :shock:

 

[HairPieceMan]

eh no, he retired, we are still living under the same roof and they are still together.

my mum is 100% due for retirement, she gets a good retirement fund but she chooses to work as primary school teacher because she loves the job.

to recap

mum 30K a year, due for retirement but happy to work anyway, age is 62
dad - f*** knows must be at least 100K a year since his 30s-50s, retired after 55 after selling off company.

brother -
25K a year in 20s, mum and dad giving him 50K a year, living in 150K home with non working wife that comes from £6 an hour low rent working class parents background (her mum pulls pints in bar, dad shoots deer). brother drives £5K car, wife £5K car

30K a year in 30s, mum and dad giving him 70K a year, living in 250K home with non working wife that comes from £6 an hour low rent working class parents background (her mum pulls pints in bar, dad shoots deer)
brother drives £5K car, wife £20K car.

 

[s.a.f]

viewtopic.php?f=41&t=70792&p=658279#p658279

actaully its just me and my mum that lives here

eh no, he retired, we are still living under the same roof and they are still together.

:whistle:

 

[s.a.f]

viewtopic.php?f=41&t=70792&p=659343#p659343

i dont have to "Earn" or "work" (working is for peasants) NOW, i have infinite money, and ill be in this position for 20 year easily, my mum has extra money set aside for anything that i please.

i dont plan to ever work though.

sooo lazy....soo rich.

my perfect life, forever.

ignorance is bliss.

 

[HairPieceMan]

its hard to explain, he has early alhzeimers from a cycling road accident.

as a result he is "dead" inside, he is basically a mental vegetable but can still walk, he will be out of the house in 5 years time likely in a home or dead.

 

[s.a.f]

Hmm, elderly care does'nt come cheap - should eat right into the family fortune. He could live like that for decades.
Still maybe when you get a wife she'll be his full time nurse along with your full time nurse from the LL surgery.
Just another of many attractive benefits of being with the pieceman! :hump: