|
Post by captainconfident on Dec 18, 2019 17:39:04 GMT
For the record, I've long believed in "the few" to attend university and even fewer doing non-vocational degrees such as philosopy but to increase greatly the quality of apprentiships and the status of the engineers and technicians who do them. I agree with you and also probably with Priti Nasty and Dominic Raab about this. My heart always sinks when people tell me that their offspring are at university doing Media Studies or Art History.
|
|
mrk
Posts: 807
Likes: 753
|
Post by mrk on Dec 18, 2019 18:06:44 GMT
I doubt you'll find many people who recently left university in a forum for p2p investors. They likely have tens of £k in student loan debt to repay rather than money to invest. (Which incidentally may be one reason why they're less likely to vote for the party responsible for raising their tuition fees.)
|
|
adrianc
Member of DD Central
Posts: 8,957
Likes: 4,794
|
Post by adrianc on Dec 18, 2019 19:16:26 GMT
Does a person's political leaning influence the paper (and other material) they read, the opposite or both? Echo chamber. People who are susceptible to a certain viewpoint will choose a paper that supports it. The skew that paper then puts on coverage will reinforce that viewpoint. Certain papers move way past "skew" into "outright lies and propaganda".
|
|
|
Post by captainconfident on Dec 18, 2019 19:41:21 GMT
I think the student loans system is fair. Only paying back if your salary rises over particular thresholds. Otherwise you get the situation where those who don't go to university subsidise those who do which probably results in a transfer from the poor to the rich.
|
|
|
Post by Ace on Dec 18, 2019 21:02:29 GMT
Does a person's political leaning influence the paper (and other material) they read, the opposite or both? Echo chamber. People who are susceptible to a certain viewpoint will choose a paper that supports it. The skew that paper then puts on coverage will reinforce that viewpoint. Certain papers move way past "skew" into "outright lies and propaganda". I accept that you are generally correct on this point, but it's not universally true. I regularly force myself to read the Guardian and, so called, Independent for balance, despite being not at all susceptible to their viewpoint. I'd certainly put the Guardian firmly in the "way past skew" category, along with some of the Tory rags of course.
|
|
keitha
Member of DD Central
2024, hopefully the year I get out of P2P
Posts: 3,867
Likes: 2,308
|
Post by keitha on Dec 18, 2019 21:31:30 GMT
I think the main reason for majority of younger generation giving their vote to Labour is that they are less influenced by mainstream press It'd certainly be interesting to map the voting demographics to the readership demographics of certain segments of the press. well I'd confuse the demographic, The papers I read most are telegraph, Express and mirror ( nearly always Mirror on Sunday, express Saturday )
|
|
mrk
Posts: 807
Likes: 753
|
Post by mrk on Dec 18, 2019 22:24:04 GMT
I think the student loans system is fair. Only paying back if your salary rises over particular thresholds. Otherwise you get the situation where those who don't go to university subsidise those who do which probably results in a transfer from the poor to the rich. A subsidy yes, but probably not from poor to rich because "aversion to debt is higher among those from lower class backgrounds", as mentioned in this study. I for one would never have gone to uni if that meant ending up over £30k in debt. I realised the site I linked to only shows the graph if you come from a google search. I hate that. Here it is: Average student loan debt on entry to repayment in England from 2000 to 2019, by repayment cohort (in GBP)I bet recent graduates don't find it very fair. Nor if they look at the fees in other countries.
|
|
|
Post by bracknellboy on Dec 19, 2019 9:28:20 GMT
I think the student loans system is fair. Only paying back if your salary rises over particular thresholds. Otherwise you get the situation where those who don't go to university subsidise those who do which probably results in a transfer from the poor to the rich. It's fair in principle. At the moment however, the way it is being operated seems to be rather unfair - to students or tax payers or future tax payers (many of whom will be today's students). The main beneficiaries at the moment seem to be the investors who have purchased tranches of the student loan books.
As I understand it, currently interest rates on the loans are significantly higher than they should be. This is detrimental to students, but also detrimental to the taxpayer given that an increasingly high percentage of student loans are ending up being written off. Sufficiently so, that the govt was forced to put these back onto the govt ledgers as liabilities.
There seems to be a case to reduce the rates that are being charged to give better chance of loans being able to be paid off.
Disclaimer: I'm no expert on this subject, this is all done from memory, and is potentially full of inaccuracies.
|
|
adrianc
Member of DD Central
Posts: 8,957
Likes: 4,794
|
Post by adrianc on Dec 19, 2019 9:41:45 GMT
|
|
keitha
Member of DD Central
2024, hopefully the year I get out of P2P
Posts: 3,867
Likes: 2,308
|
Post by keitha on Dec 19, 2019 11:33:46 GMT
No expert either. My limited understanding is that interest rate might be 6% which is nonsensical and usury. I’d have thought it’d be a no-brainer for a government to introduce a triple lock. Interest on student loans to be the higher of: - inflation (pick your measure RPI, CPI, other) - bank base rate - 2.5% (or other). so what do you consider Banks charging 40% on overdrafts to be, or provident who charge £11 a week for 13 weeks to borrow £100 ( 1557% )
|
|
keitha
Member of DD Central
2024, hopefully the year I get out of P2P
Posts: 3,867
Likes: 2,308
|
Post by keitha on Dec 19, 2019 15:24:47 GMT
so what do you consider Banks charging 40% on overdrafts to be, or provident who charge £11 a week for 13 weeks to borrow £100 ( 1557% ) I’m discussing funding tertiary education that has to balance fairness of access for all with sufficient ability, fairness of charges, ability of government to fund, the good of the nation in essential professions and in the wealth creating private sector. I don’t know what the Castlemaine 4X high APR rate of payday type lenders or non pre-agreed overdrafts has got to do with how we as a nation fund tertiary education. Are you on the right thread? And in the right discussion? yes I was comparing interest rates, OK 6% is twice the mortgage rate but is below market rates for personal loans, of course some had good deals years ago, my son had a Loan at BOE rate -1.25% was really good when the rate dropped to 0.5% his interest rate went -ve personally I think 2 things need to happen I agree rates for needed professions need to be lower IE medicine, science, nursing etc perhaps even depending on where you work, ie if you train as a doctor or Nurse, and work in the NHS I think 10% should be paid off every year for you by Government. I think some of the what I see as Airey Fairey stuff ( e.g. the Beatles ) should be at a higher rate. I also think the Fees need to be looked at, Only the top performing universities should be allowed to charge the full £9,250 PA the lower rated ones should be made to charge less. Personally I felt that was the intent, but what happened was they all went we don't want to be seem as a lower university so we will charge full whack.
|
|
|
Post by dan1 on Jan 6, 2020 23:18:38 GMT
Is it just me that thinks that almost all of the potential Labour leaders will be utterly unelectable. Almost all do not have anywhere near the personality, intellect or likability to be PM. Against BJ and Cummings all would be eaten alive and I believe if any of the following were elected the Labour Party will be finished. The only person I see has half credible as a leader, and not that I agree with her on most things or think she will win is Yvette Cooper. A little summary below of why the following are all disasters. Rebecca Long-Bailey: quite simply no where near the intellect required for PM. Somebody that went to Manchester Metropolitan University should not be running the country, simple. Absolutely zero popular appeal or presence. Jess Phillips: has a constant condescending scowl and anger in her that makes her have no appeal at all. Constantly negative, only speaks about the poor people she claims to represent. No aspiration or hope in her politics. Utterly unlikable or electable. Kier Starmer: The very man that forced labour to take its extraordinarily unfathomable position on Brexit. Represents liberal internationalist ideals and has no understanding for the lives of what used to be labour voters. Again has the irritating habit of looking aghast and in disgust at all who don’t share his views. At least the guy has some intellect but only manages to use that to condescend and ignore the views of the majority. Emily Thornberry: again nowhere near the intellect or personality to be PM. Has no popular appeal or has displayed that she is likeable outside of Labour inner circles. See my post above: Yvette Cooper went to Oxford as an undergraduate. Statistically she would be the one to go for. Oh Balls! www.theguardian.com/commentisfree/2020/jan/06/yvette-cooper-seven-things-labour-must-do-party-leader
|
|
Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
Posts: 2,011
Likes: 1,013
|
Post by Godanubis on Jan 7, 2020 3:17:11 GMT
Delusional RLB thinks she will win due to Corbyn support of membership she or is it “they” as the gender non specific reincarnation of J Corbyn. Best for BJ as it will be business as usual for Labour and all he needs to do is repeal the fix term parliament act and he will be in power for a decade. Magic can happen in the new year I agree with PIP. None is perfect as PM. All are perfect for keeping BJ in that job. Of course the “STOP BREXIT “ sheep can all join the Labour Party and vote JP in and hope we will rejoin EU in distant future if Labour ever win a GE.
|
|
|
Post by Deleted on Jan 7, 2020 9:13:01 GMT
Just listened to the latest LP hopeful on Rad4. Now if she could speak English it would help. God help us.
|
|
IFISAcava
Member of DD Central
Posts: 3,664
Likes: 2,988
|
Post by IFISAcava on Jan 7, 2020 9:20:14 GMT
Quite. Well, Keir Starmer it is then as the next closest - Oxford educated, but only as a postgraduate. Or go for someone who didn't attend university at all (cf Churchill and Major) - i.e. Angela Rayner.
|
|