Intergenerational
I have been blogging some big articles about “intergenerational” topics, so I’ve created this new category.
Here is a selection from at least 30 intergenerational articles here:
Overviews
- A checklist for Intergenerational Unfairness
- Some principles for Intergenerational Justice
- Intergenerational resource transfers – summary
Housing
- Housing costs: London versus the rest
- The myth of a baby-boom-led housing crisis
- Some fallacies in “Hoarding of Housing: The intergenerational crisis in the market”
- Simple example of how The Intergenerational Foundation is wrong about housing
- The effect of baby booms on the housing crisis of younger people
Baby booms
- Some baby boom myths
- Why are people born 1945-1965 called baby boomers?
- Baby booms in the electorates of the last 6 Prime Ministers
- The effect of baby booms on the housing crisis of younger people
- The myth of the UK baby-boom
- The myth of a baby-boom-led housing crisis
Myths
- Some baby boom myths
- The myth of the UK baby-boom
- The myth of a baby-boom-led housing crisis
- The myth of excessive political influence by the post-war generation
I have written these reviews at Amazon.co.uk of relevant books that I’ve read:
- Review of: “The Pinch: How the baby boomers took their children’s future – and why they should give it back”
- Review of: “Jilted Generation: How Britain has Bankrupted its Youth”
- Review of: “What Did The Baby Boomers Ever Do For Us? Why the Children of the Sixties Lived the Dream and Failed the Future”
The people in every generation start by being totally dependent on older generations.
Then they spend much of their lives co-supporting both younger and older generations.
Then they typically become dependent on younger generations.
Then they die.
very good to come back. some further points:
1. Stealing the future makes the assumption that the inheritance was to be endowed to specific individuals
2. the majority of the population didn’t have anything to inherit post ww2 as most of the bricks and mortar were blitzed to the ground
3. this link was found on another blog and demonstrates that the debt after ww2 was the highest in british history since the mid 1700′s and up to 2008 it was mostly cleared – a clean slate being handed over to future generations not what they inherited (although the debt created from ww2 was necessary to incur or present young generation and future would have had no future: http://www.ukpublicspending.co.uk/uk_debt
4. the house price value from the 70′s – 90′s may have appreciated in value more quickly, however the cost to buy over a 25 year term in proportion to income earned was higher. Therefore the generation of those decades paid relatively more and the next generation, post boomer would be in line to inherit on top of their cheaper to buy mortgage – these mortgage tables found on another blog demonstrate it http://www.bsa.org.uk/docs/statisticspdfs/interestrates.pdf
5. the last of the so called baby boomers were born in 1962. This means the first of the post baby boom generation reached aged 50 in 2012 – at what age will the post baby boom generation mature and accept responsibility for some of what has caused the debt to start to peak again from 2008 – will they reach retirement still blaming the last of the frail baby boomers?
6. Mortgages cost more at 15% of buy price, indemnity insurance as house prices were sold above bank surveyors valuation, 18% inflation and 30% basc rate income tax. There was less “disposable income” in the so called “boom years” after a granted mortgage for a couple starting off than there is now at the lower interest rate. The banks are not loaning based on the % of income left after the mortgage is left
7. The boomer generation by majority did not have expectation of property inheritance, whereas the post boomers very likely will receive an additional lump sum to put towards their children’s education cost or to settle their own mortgage early. Something the boomers never will receive or were brought up to expect to
8. There are signs that instead of sharing the wealth in terms of income earned by companies being paid fairly to employees, an asset assessment is being made of retirees with a view to distributing that around to top up welfare supported incomes on full time jobs instead. This would mean that the so called baby boomer generation inherited and cleared the ww2 debt, paid their own along the way and are expected to settle a future debt not incurred by themselves also……………… wouldn’t it be wiser to work out a better system of how to generate wealth i.e work than how to relieve others of their results of their hard work?
9. The “advisory panel” of this organisation seemed to have overlooked eurostats which predict a slow down of the rising population in the UK and the western european countries by 2050 and the numbers will start to fall again. Therefore this “problem” is shortlived and the environmentalists predicton of a glut in properties in a few decades time could be accurate: http://epp.eurostat.ec.europa.eu/statistics_explained/index.php/Migration_and_migrant_population_statistics
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