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(The Sun)   Family is outraged, OUTRAGED I tell you after their application for social housing was rejected. Fark: Because officials discovered they had blown a quarter of a million pounds of an inheritance (possible nsfw content on page)   ( thesun.co.uk) divider line
    More: Facepalm, council house, The Sun, social housing, Group Newspapers Limited, Margaret Thatcher, News of the World, Renting, wife Tania Caradeuc  
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5543 clicks; posted to Main » on 10 Aug 2018 at 8:20 AM (10 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2018-08-10 06:24:30 AM  
So.... they lived in a council house and moved out when they received the inheritance - as is required.  As part of this deal, they have to fend for themselves for a certain period of time before they can reapply for another council house.

Yeah, no sympathy here.  You came into a whole bunch of money and spent it all lavishly and are now up the creek without a paddle.  Too bad.
 
2018-08-10 07:38:43 AM  
I can't fap to this.
 
2018-08-10 08:23:04 AM  
thesun.co.ukView Full Size


I...I can't even..
 
2018-08-10 08:26:56 AM  

Bslim: I...I can't even..


Makes you wonder if the husband does...
 
2018-08-10 08:27:28 AM  

SpaceyCat: So.... they lived in a council house and moved out when they received the inheritance - as is required.  As part of this deal, they have to fend for themselves for a certain period of time before they can reapply for another council house.

Yeah, no sympathy here.  You came into a whole bunch of money and spent it all lavishly and are now up the creek without a paddle.  Too bad.


Same here.

But this is what happens when you invest that heavily in a welfare state, people expect it to be a right.  I'm willing to bet they could have purchased a nice enough home (certainly better than public housing) and had plenty left over to furnish it decently but modestly, and would have only been required from then on to pay utilities and taxes on it.

But the same sort of financial acumen that leads you to having to live a life in public housing means that you likely aren't smart enough to figure that kind of thing out for yourself.  It's a cliche that people who are poor but come into a financial windfall (lottery, inheritance, lawsuit settlement) invariably blow through the money in a short amount of time.  It's a cliche because it's mostly true.
 
2018-08-10 08:29:04 AM  
I'm not positive, but I think this might be one of those articles that is written to get a negative emotional response from the reader.
 
2018-08-10 08:31:08 AM  
Talk about faces you would love to punch!
 
2018-08-10 08:31:39 AM  
I like on Star Trek that their society does have or use cash or money and I keep thinking to myself, how the hell is that even possible? How can a society function like that? It boggles the mind.
 
2018-08-10 08:32:43 AM  
Can someone explain council housing, is that like section 8 housing in the states? Cause if its like the states that is usually not the best place to live most of it is ghetto.   Reason i ask is cause i see stories about this housing on the other side of the pond and it seems like they got some pretty nice digs going on over there?

https://en.wikipedia.org/wiki/Section​_​8_(housing)
 
2018-08-10 08:32:50 AM  

dittybopper: SpaceyCat: So.... they lived in a council house and moved out when they received the inheritance - as is required.  As part of this deal, they have to fend for themselves for a certain period of time before they can reapply for another council house.

Yeah, no sympathy here.  You came into a whole bunch of money and spent it all lavishly and are now up the creek without a paddle.  Too bad.

Same here.

But this is what happens when you invest that heavily in a welfare state, people expect it to be a right.  I'm willing to bet they could have purchased a nice enough home (certainly better than public housing) and had plenty left over to furnish it decently but modestly, and would have only been required from then on to pay utilities and taxes on it.

But the same sort of financial acumen that leads you to having to live a life in public housing means that you likely aren't smart enough to figure that kind of thing out for yourself.  It's a cliche that people who are poor but come into a financial windfall (lottery, inheritance, lawsuit settlement) invariably blow through the money in a short amount of time.  It's a cliche because it's mostly true.


So... poor people = dumb, rich people = smart. Got it, because there could be no possible other reason on planet Earth that someone would need help. Not defending them for squandering an inheritance, but it's a little much to criticize them for being in public housing in the first place.
 
2018-08-10 08:39:58 AM  

eas81: Can someone explain council housing, is that like section 8 housing in the states? Cause if its like the states that is usually not the best place to live most of it is ghetto.   Reason i ask is cause i see stories about this housing on the other side of the pond and it seems like they got some pretty nice digs going on over there?

https://en.wikipedia.org/wiki/Section_​8_(housing)


I think council housing is similar to US's public housing...I'm sure lorrys pull up every morning and deliver boxes of bangers and mash to all the residents and insist that taking the lift is better than using the stairs...The TV licensing inspector visits on a semi regular basis to make sure your TV license is up to date and you'll invite him in, have a nice cuppa and watch "Meet The Wife". Later, the vicar stops by for some tea and spotted dick and discuss the match of the day between Liverpool and Manchester. (he's a fan for Manchester, but who isn't?) The vicar leaves and its bed time now after a trip to the local pub.

Later they'll have a snog and and get down to some serious shagging, provided the Mrs is wearing that sexy black swimsuit.
 
2018-08-10 08:43:00 AM  
So, this is a textbook example of socialized support for basic needs working well and being feasible even in the USA. Right?

For some reason, I think conservatives would find outrage here about this family trying to take what they should not have needed. Better for millions to live in poverty and toil for an ownership class that takes most of the fruits of their labor than let anyone else get 'something for nothing'. Despite that being exactly what is not happening in this case.
 
2018-08-10 08:43:14 AM  
I just finished binge watching "Can't Pay? We'll Take It Away" a few days ago.

There are some interesting laws re: housing over there.
 
2018-08-10 08:45:24 AM  
Keith and Tania, who have two children, say they are able to work due to mental or physical disabilities.

are or aren't?  That sentence is on the page twice, so I guess it's right, but it doesn't make much sense.
 
2018-08-10 08:45:32 AM  

eas81: Can someone explain council housing, is that like section 8 housing in the states? Cause if its like the states that is usually not the best place to live most of it is ghetto.   Reason i ask is cause i see stories about this housing on the other side of the pond and it seems like they got some pretty nice digs going on over there?

https://en.wikipedia.org/wiki/Section_​8_(housing)


https://en.wikipedia.org/wiki/Public_​h​ousing_in_the_United_Kingdom
 
2018-08-10 08:45:38 AM  

eas81: Can someone explain council housing, is that like section 8 housing in the states? Cause if its like the states that is usually not the best place to live most of it is ghetto.   Reason i ask is cause i see stories about this housing on the other side of the pond and it seems like they got some pretty nice digs going on over there?

https://en.wikipedia.org/wiki/Section_​8_(housing)


There's a huge variation. Not many areas of council housing would I call a "ghetto", but some might disagree. Most are fairly nice areas, with free spaces, gardens, local stores etc,
In London and other city centres they can be on either extreme. Gardens tend to be rarer but others are apartments that millionaires would happily live in, or at least use as a pied a terre. I have a cousin who lives in a council apartment in a fashionable development, overlooking a nice London park and with a Waitrose on the ground floor. It would easily sell for a million pounds on the open market.
 
2018-08-10 08:46:04 AM  
Brit trash stories . Why do we green these?
 
2018-08-10 08:52:15 AM  
my dad's GF did the same thing, got $200k inheritance, moved out and blew all the cash, came back to him begging for a place to live.

now she is ineligible for welfare or disability etc just like these losers are ineligible for housing.

screw em.  but place the kid with someone responsible.
 
2018-08-10 08:53:49 AM  
weight-loss ops for wife Tania Caradeuc, 42

That's a hard-looking SIXTY-two. JFC. And she used to be fat too?!?!?!?!! WTF, UK?
 
2018-08-10 08:54:22 AM  
Trivia:

Mid 1970's...
Punk bands like Sex Pistols and the Clash, all or most members came from city "council housing."

Unemployment and class war was all around. Tall concrete sterile buildings in a sea of gray, there was was no work, it was destitute...

"there was nothing to do, it was like a sea of hopelessness. But I had hope."  --Joe Strummer

"There was no future. I had to write my own future."  --Sid Vicious
 
2018-08-10 08:56:04 AM  

meatofmystery: Brit trash stories . Why do we green these?


Because I'm getting sick of reading US trash stories. Time to see what's happening "across the pond"

Plus, its great seeing we're not the only nation with trash...
 
2018-08-10 08:56:09 AM  

Bslim: [thesun.co.uk image 721x960]

I...I can't even..

"The last time she saw 42 was 1942."

 
2018-08-10 08:58:08 AM  

Bslim: [thesun.co.uk image 721x960]

I...I can't even..


Why are the husband's moobs so big?

Oh .... British hot .... I see ..... nevermind.
 
2018-08-10 09:03:14 AM  

meatofmystery: Brit trash stories . Why do we green these?


Because the Kim kardashian threads over in entertainment are so much better..
 
2018-08-10 09:08:36 AM  

steklo: I like on Star Trek that their society does have or use cash or money and I keep thinking to myself, how the hell is that even possible? How can a society function like that? It boggles the mind.


Replicators.
 
2018-08-10 09:09:37 AM  

Deep Contact: Replicators.


Well, that totally makes sense now. Great. Now I can get some sleep tonight.

Thanks, live long and prosper, too...
 
2018-08-10 09:13:30 AM  

steklo: eas81: Can someone explain council housing, is that like section 8 housing in the states? Cause if its like the states that is usually not the best place to live most of it is ghetto.   Reason i ask is cause i see stories about this housing on the other side of the pond and it seems like they got some pretty nice digs going on over there?

https://en.wikipedia.org/wiki/Section_​8_(housing)

I think council housing is similar to US's public housing...I'm sure lorrys pull up every morning and deliver boxes of bangers and mash to all the residents and insist that taking the lift is better than using the stairs...The TV licensing inspector visits on a semi regular basis to make sure your TV license is up to date and you'll invite him in, have a nice cuppa and watch "Meet The Wife". Later, the vicar stops by for some tea and spotted dick and discuss the match of the day between Liverpool and Manchester. (he's a fan for Manchester, but who isn't?) The vicar leaves and its bed time now after a trip to the local pub.

Later they'll have a snog and and get down to some serious shagging, provided the Mrs is wearing that sexy black swimsuit.


Two top-flight teams in Liverpool (but only one has Liverpool in the name so that's a pass) ...but "Manchester"? Which one? City or United? In the last ten years, both have won the championship three times.

What you did there was worse than having someone pretend to be American talking about going to see "New York" in the baseball. Not the Mets, not the Yankees, just "New York". At least people will think you went to Yankee Stadium because they're the Goliath but that doesn't work with the Mancunian teams.
 
2018-08-10 09:14:51 AM  
Man. Goatman.:
So... poor people = dumb, rich people = smart. Got it, because there could be no possible other reason on planet Earth that someone would need help. Not defending them for squandering an inheritance, but it's a little much to criticize them for being in public housing in the first place.

In a certain sense, yes.  There is definitely a correlation between IQ (and/or academic achievement) and socioeconomic status:

https://steinhardt.nyu.edu/scmsAdmin/​m​edia/users/lec321/Sirin_Articles/Sirin​_2005.pdf

http://www.emilkirkegaard.dk/en/wp-co​n​tent/uploads/Intelligence-and-socioeco​nomic-success-A-meta-analytic-review-o​f-longitudinal-research.pdf

Also, students with higher IQ/academic achievement  tend to end up with better life outcomes than students from the same socioeconomic strata but with lower IQ/academic achievement.

In addition to IQ predicting future socioeconomic status, present socioeconomic status predicts later success to a large degree.  This is shown by comparing children born to poor parents but adopted by people in a higher status having higher measured IQs than their siblings that weren't adopted.
http://www.ncbi.nlm.nih.gov/pubmed/66​3​634
http://www.nature.com/nature/journal/​v​340/n6234/abs/340552a0.html
http://www.pnas.org/content/early/201​5​/03/18/1417106112.abstract

I can't understand why this sort of thing is so controversial.  First of all, there is a genetic component.  Some people are taller because their parents were taller.  Some people have blue eyes.  Some people have a higher innate capacity for intelligence.  But that doesn't

Then, of course, you've got culture.  Managing money is a learned skill, like any other.  It's one of the things you learn largely from your parents, and less so from your peers and from your education.  If your parents are good at managing their money, there is a very high likelihood that you'll learn the same skills.  If your parents aren't good at it, then you likely won't learn those skills.

There are always exceptions to every rule, of course, and this isn't to say that a person born in poverty is doomed to live a life of poverty, just that's it's likely to happen even if they get an economic windfall.

And conversely, a person who is born into privilege is unlikely to end up in a life of poverty when faced with an economic downturn, absent some other issue like substance abuse or mental illness.

In short, socioeconomic status is correlated to IQ for reasons related to both genetics and to the developmental environment of the individual.

Why this is controversial I have no idea.
 
2018-08-10 09:17:55 AM  

Jackpot777: What you did there was worse than having someone pretend to be American talking about going to see "New York" in the baseball.


As a New Yorker, I can totally understand your point. Yes, there is more than one Manchester soccer team (or football team) and I was going to actually say United, but omitted it in error.

Carry on good sir, carry on...
 
2018-08-10 09:20:43 AM  

steklo: As a New Yorker, I can totally understand your point. Yes, there is more than one Manchester soccer team (or football team) and I was going to actually say United, but omitted it in error.

Carry on good sir, carry on...


I'll forgive you if you're a Yankees fan, or have something positive to say about Stanton's homer last night.
 
2018-08-10 09:24:00 AM  

GanjSmokr: I just finished binge watching "Can't Pay? We'll Take It Away" a few days ago.

There are some interesting laws re: housing over there.


Yeah, I did the same a few months ago based on a post here that referenced it. One point that seems to come up over and over again is that the local housing councils instruct people who get eviction notices to stay put until the bailiffs show up to physically put them out - otherwise they're considered "voluntarily homeless" and ineligible for council housing. Which means that families who would be willing to leave have to go through the pain and embarrassment of an eviction, or they can't get other housing.
 
2018-08-10 09:26:32 AM  

Jackpot777: I'll forgive you if you're a Yankees fan, or have something positive to say about Stanton's homer last night.


Actually, I don't follow any sports but I grew up in a house-hold of Yankee fans. My cousin was a "bat-boy" for them back in the late 70's too. So, I've got that going for me...

Positive of Stanton's homer last night? Yes, yes I am.
 
2018-08-10 09:27:27 AM  

Man. Goatman.: dittybopper: SpaceyCat: So.... they lived in a council house and moved out when they received the inheritance - as is required.  As part of this deal, they have to fend for themselves for a certain period of time before they can reapply for another council house.

Yeah, no sympathy here.  You came into a whole bunch of money and spent it all lavishly and are now up the creek without a paddle.  Too bad.

Same here.

But this is what happens when you invest that heavily in a welfare state, people expect it to be a right.  I'm willing to bet they could have purchased a nice enough home (certainly better than public housing) and had plenty left over to furnish it decently but modestly, and would have only been required from then on to pay utilities and taxes on it.

But the same sort of financial acumen that leads you to having to live a life in public housing means that you likely aren't smart enough to figure that kind of thing out for yourself.  It's a cliche that people who are poor but come into a financial windfall (lottery, inheritance, lawsuit settlement) invariably blow through the money in a short amount of time.  It's a cliche because it's mostly true.

So... poor people = dumb, rich people = smart. Got it, because there could be no possible other reason on planet Earth that someone would need help. Not defending them for squandering an inheritance, but it's a little much to criticize them for being in public housing in the first place.


Only children or the stupid see things as two dimensional.
They said "likely", not that it's an absolute which you seem to think.
And yes, things happen to people, but generally it's people that aren't smart with money that end up there.
 
2018-08-10 09:34:51 AM  
My friend lives in Guernsey, which is not part of the UK (it is a Crown Protectorate, responsible for its own administration, taxes, government etc.)

The rules on States housing are more restrictive than in the UK. The couple were NOT required to move out of their original house due to the inheritance; they merely would have had to pay the full rent (instead of the discounted rent they paid prior to receiving the cash).
However, they are currently unable to qualify for States housing due to the inheritance which they've managed to spunk on nothing.
 
2018-08-10 09:34:53 AM  
"The dad-of-two admits he bought cars, moved to a nicer rented house, and paid for pricey weight-loss ops for wife Tania Caradeuc, 42 when they inherited the cash in 2015. "
Half of that money could have gone in to savings/investing. The other half BUY a home instead of rent. Oh well they dug their own hole.
 
TWX
2018-08-10 09:34:56 AM  

dittybopper: Man. Goatman.:
So... poor people = dumb, rich people = smart. Got it, because there could be no possible other reason on planet Earth that someone would need help. Not defending them for squandering an inheritance, but it's a little much to criticize them for being in public housing in the first place.

In a certain sense, yes.  There is definitely a correlation between IQ (and/or academic achievement) and socioeconomic status:


Too much granular detail.

On average, those who make poor decisions don't make as much money as those who make good decisions. Therefore, those who make poor decisions are more likely to have less income. Again, on average, the poorer the decision-making skills, the greater the likelihood of ending up with even less money available for housing.

There are, of course, statistical outliers. There are people that are rich and make poor decisions but haven't managed to make poor decisions that have left them without means, and there are people that generally make good decisions but have either started out with essentially nothing so they've had nothing to build-on, or else outside circumstances have harmed them regardless of their own decisions.

I suppose this is why, while my politics generally fall to the left of the political spectrum, I'm against things like a Universal Basic Income, and why I have real qualms about free and subsidized housing. In short, these concerns revolve around inflation for UBI, and around the lack of perception of value for things that are free or very inexpensive to the recipient.

For inflation, when Cash for Clunkers was in place, suddenly the used-car market got all messed up, because now most used cars were worth the $4500 that the program paid for cars, because they were usable as trade. This meant the buying-power for purchasing used cars by the poor evaporated overnight, for the duration of the program at least. UBI could threaten to do that for all purchases, because if everyone knows that everyone has $X basic income, suddenly prices raise to profit off of $X. I would much rather see tax breaks at the bottom end of the income spectrum instead.

And it doesn't take a genius to see what has become of so many public housing projects throughout the world. In the United States they're even pejoratively referred to as "The Projects". Housing subsidy needs to be much more carefully considered, and frankly, not concentrated into specific buildings or neighborhoods. It also needs to be confidential, and probably best works where even landlords don't know if a tenant is on assistance.
 
2018-08-10 09:37:56 AM  

dittybopper: In short, socioeconomic status is correlated to IQ for reasons related to both genetics and to the developmental environment of the individual.

Why this is controversial I have no idea.


It goes against the very idea of equality that western societies are built upon?

It's also just replacing "black/white" with "poor/rich" in the statement "White people are genetically/socioeconomically better than black people"
 
2018-08-10 09:38:38 AM  
hey look.  Brits have hillbillies too
 
2018-08-10 09:45:22 AM  

dittybopper: SpaceyCat: So.... they lived in a council house and moved out when they received the inheritance - as is required.  As part of this deal, they have to fend for themselves for a certain period of time before they can reapply for another council house.

Yeah, no sympathy here.  You came into a whole bunch of money and spent it all lavishly and are now up the creek without a paddle.  Too bad.

Same here.

But this is what happens when you invest that heavily in a welfare state, people expect it to be a right.  I'm willing to bet they could have purchased a nice enough home (certainly better than public housing) and had plenty left over to furnish it decently but modestly, and would have only been required from then on to pay utilities and taxes on it.

But the same sort of financial acumen that leads you to having to live a life in public housing means that you likely aren't smart enough to figure that kind of thing out for yourself.  It's a cliche that people who are poor but come into a financial windfall (lottery, inheritance, lawsuit settlement) invariably blow through the money in a short amount of time.  It's a cliche because it's mostly true.


If one should win, get a lawyer, form an immediate trust, start a retirement investment fund immediately. Then live as normal as possible.
 
2018-08-10 09:46:35 AM  
What a kerfuffle they've found themselves in.
 
2018-08-10 09:48:40 AM  

eas81: Can someone explain council housing, is that like section 8 housing in the states? Cause if its like the states that is usually not the best place to live most of it is ghetto.   Reason i ask is cause i see stories about this housing on the other side of the pond and it seems like they got some pretty nice digs going on over there?

https://en.wikipedia.org/wiki/Section_​8_(housing)


There will always be klingers.
 
2018-08-10 09:50:26 AM  

Nimbull: Half of that money could have gone in to savings/investing. The other half BUY a home instead of rent. Oh well they dug their own hole.


No sympathy from me, however half of £250k would not buy much house in Guernsey. Would struggle to get a 1-bed flat for that actually
 
2018-08-10 10:02:02 AM  
I thought healthcare, including stuff like WLS, was covered there. No, I'm not going to RTFA to find out.
 
2018-08-10 10:12:54 AM  
Let's not jump to conclusions.  The story says they blew the money on cars.  That could just mean they made a bad investment.  Probably shorted Tesla.
 
2018-08-10 10:20:28 AM  
Gee....it's almost as if giving poor people who make terrible decisions more money doesn't end their poverty.

Take note, progressives.
 
2018-08-10 10:20:30 AM  
Shoulda bought bootstraps
 
2018-08-10 10:21:09 AM  
A quarter of a million dollars wouldn't even pay for half my home.
 
2018-08-10 10:21:53 AM  

TWX: I would much rather see tax breaks at the bottom end of the income spectrum instead.


You can't cut taxes on money that doesn't exist.If you are going to give the lowest bracket a refund because their income is so low/nonexistent that they qualify for negative taxes, you've backed yourself into a UBI anyway.

There's nothing wrong with a UBI, and any modern nation has the GDP to support one. The truth is the United States already has a form of UBI for old people tied to what they earned in their working years, and capped with a maximum benefit. That fund would be completely solvent if the politicians had kept their greedy paws out of the cookie jar and treated capital gains like a payroll check.

While I understand the emotional satisfaction that comes from seeing fools suffer - on the whole what they had before doesn't matter. What they have now is the issue, and why they need support. Just remember that while some may be reveling in their suffering, they have a kid who had bugger all to do with it who's going to suffer too.

Help from the government is there to keep the lowest of the low from being an ever bigger detriment to society. AKA not so desperate they resort robbing and killing to get by. When you look at it through that lens, it's clear that it doesn't matter how someone sank that low, it just matters that they did.
 
2018-08-10 10:26:17 AM  
There needs to be some sort of financial counseling mandatory any time someone comes into a large sum of money.  (Require it as a condition of getting to deduct the first $5 million or whatever it is from the inheritance tax.)

If you're getting kicked out of Section 8 housing because you got $250K, then you need to either buy a house or stick it in a very safe investment, spend very little of it, and earmark it for rent.  Ideally, you'd have a job where you're earning close to enough money to make ends meet and you can let the $250K grow a bit.
 
2018-08-10 10:29:18 AM  

Nogale: GanjSmokr: I just finished binge watching "Can't Pay? We'll Take It Away" a few days ago.

There are some interesting laws re: housing over there.

Yeah, I did the same a few months ago based on a post here that referenced it. One point that seems to come up over and over again is that the local housing councils instruct people who get eviction notices to stay put until the bailiffs show up to physically put them out - otherwise they're considered "voluntarily homeless" and ineligible for council housing. Which means that families who would be willing to leave have to go through the pain and embarrassment of an eviction, or they can't get other housing.


If you leave before getting the eviction notice then you would be making yourself voluntarily homeless, if you leave after getting the notice you should be shiny. This only really applies to council tenants in a private let so getting local housing allowance. Councils do tend to tell people to stay in the property until the bailiffs are about to knock though, I suspect they are buying time to get emergency accommodation ready, but a lots of people would stay to the bitter end anyway probably hoping for a change of mind from the landlord. Things change if your a council tenant in a council house or a tenant in a housing association property. Thing also change depending on the local authority or housing association, somebodies experience in Liverpool will not be the same for similar circumstances in Manchester.
 
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