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Old 04.07.2011, 23:03
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Re: Two out of five young Swiss to live with debt

I think 24heure.ch should have written an article about hardworking people who do their best working their A**es off but still cannot afford living a minimal decent life and falling into extreme debt cause of unfortunate life circumstances instead of a blatant spoiled kids who their families give them money without limit and they fall into debt once this stream stops (and their parents will defo pay it out for them in couple of months anyway)
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  #42  
Old 04.07.2011, 23:17
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Re: Two out of five young Swiss to live with debt

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I think 24heure.ch should have written an article about hardworking people who do their best working their A**es off but still cannot afford living a minimal decent life and falling into extreme debt cause of unfortunate life circumstances instead of a blatant spoiled kids who their families give them money without limit and they fall into debt once this stream stops (and their parents will defo pay it out for them in couple of months anyway)
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Old 04.07.2011, 23:21
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Re: Two out of five young Swiss to live with debt

When I was a lad, I used to dream of eating M-budget. I used to wake up at 3 in the morning, work 25 hours at t'mill - and pay t'mill owner for t'privilege of working! For tea we'd have a handful of hot gravel and then we'd sleep in a shoebox in the middle of the road. Then our mam and dad would murder us in cold blood and dance on our graves!

Young people today just have it soft!

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I earn a good living, but am perfectly content to live in a studio with my girl, eat M Budget
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  #44  
Old 05.07.2011, 00:16
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Re: Two out of five young Swiss to live with debt

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She was always really good with money and bills, I chalk it up to lessons learned "early" from a patient teacher.
I think allowance is good early on. Tiny miniscule amounts and frequently, regularly, they learn how to count and how to save if they want something.

I think if kids can go and ask for cash, anytime they want then they never understand how it is made and that they have to chip in, too.

I wonder, though, how many kids have that LV bag to make up for parent's lack of envolvement.
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Old 05.07.2011, 00:46
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Re: Two out of five young Swiss to live with debt

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I think allowance is good early on. Tiny miniscule amounts and frequently, regularly, they learn how to count and how to save if they want something.

I think if kids can go and ask for cash, anytime they want then they never understand how it is made and that they have to chip in, too.
We got tiny amounts, very infrequently. No allowance, just "help" from parent if the other parent or a sibling had birthday coming up. A new outfit or three at the beginning of school year, but no money to "spend" on any regular basis at all. If something came up, we had to ask.

So, my problem at that age was now I had money that I earned myself, I could suddenly get things I'd "always wanted" (like whoa, turned into a serious "clothes horse") and that spending extended into when I got my first credit card also. It was ugly, I had no (real) concept.

These days though, I prefer to live close to a cash life, no frivolous bills hanging over our heads, no (even remotely major) debt either. A can't do as much on impulse but I feel a lot more free in some ways even for that.

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I wonder, though, how many kids have that LV bag to make up for parent's lack of envolvement.
Mmmm yeah... materialistic love. Neglect does rear it's ugly head in many ways.
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  #46  
Old 05.07.2011, 01:04
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Re: Two out of five young Swiss to live with debt

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I think 24heure.ch should have written an article about hardworking people who do their best working their A**es off but still cannot afford living a minimal decent life and falling into extreme debt cause of unfortunate life circumstances instead of a blatant spoiled kids who their families give them money without l
you mean folks on the EF who make less than 120K? Now that's real poverty.
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  #47  
Old 05.07.2011, 01:48
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Re: Two out of five young Swiss to live with debt

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you mean folks on the EF who make less than 120K? Now that's real poverty.
Seriously! I understand many even have to rent!
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  #48  
Old 05.07.2011, 01:55
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Re: Two out of five young Swiss to live with debt

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you mean folks on the EF who make less than 120K? Now that's real poverty.
Poverty is not always calculated based on income but on basic spendings too, i for one earn good income but spend nearly 80% of my income between alimony, rent, insurance, taxes and transport (and i'm not having a luxury life style).....my income won't be considered within the poverty level, but spendings drop down my income significantly much less than less earners
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  #49  
Old 05.07.2011, 10:12
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Re: Two out of five young Swiss to live with debt

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People are getting credit way too easy, especially young ones...it's simply a trap...the credit companies use the mentality of the young people today...it's absurd!
I would agree with your statement but again it's seeing them as "victims"!!

Does it gives the right to journalists to spread such article about "alleged poverty or crisis"?

Is she really a victim? really she can't realize that she has a car, a Iphone, a LV bag, etc...? Looks more like a crazy spoiled brat, nothing about a victim.

Ha and she has a MAC, definitely crazy
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  #50  
Old 05.07.2011, 13:44
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Re: Two out of five young Swiss to live with debt

Even if she's facing poursuites - in two years time her slate would be wiped clean again. Currently she's in the happy situation (age / income) that her taxes won't be a huge chunk, she's living at home. With a few months of discipline she might sort this mess out.

It's different though if you're a young family, and living on a single salary of 5000/month. Then we're talking serious problems.
When you are just barely able to make ends meet, and new shoes or a dentist bill are just the one point where the whole budget could be overturned, and you're happy some of the things you make sell well on Etsy, or old books on Ebay.
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  #51  
Old 05.07.2011, 14:05
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Re: Two out of five young Swiss to live with debt

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Even if she's facing poursuites - in two years time her slate would be wiped clean again. Currently she's in the happy situation (age / income) that her taxes won't be a huge chunk, she's living at home. With a few months of discipline she might sort this mess out.

It's different though if you're a young family, and living on a single salary of 5000/month. Then we're talking serious problems.
When you are just barely able to make ends meet, and new shoes or a dentist bill are just the one point where the whole budget could be overturned, and you're happy some of the things you make sell well on Etsy, or old books on Ebay.
It may be the hoppin area we live in, but all local families with single income that I know actually have support, either of their family here providing child care or help with down payments, rents, buying stuff babies need, or social help, too. At the end of the day they pocket more money than two income family with extraorbitant child care costs and other costs like housing, who foot everything on their own, no big presents, things that kids need that here are collected in a slightly modified version of babyshowers (family) etc etc. Those actually look into Etsy and Ebay, after they work hours and half asleep, when they managed to put kids in bed and have a few mins...

Stereotypes with incomes are totally different here, the child care costs, dif part time work and specific fields that are available (I actually do like this bit, since I always had a few jobs at once so it makes me less homesick), the school hours... What I have noticed, and not only here, it pays off thinking decades ahead, so the 2 incomes are possible, especially for women to get their valuable education in time, to kick start the career before the kids come, in order to not become the most overqualified and educated sitters on earth..Teens don't have it hard, me thinks. Some do, certainly. But not the corny story OP mentioned. Shame on the journalists, really, it's a joke.
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  #52  
Old 05.07.2011, 14:14
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Re: Two out of five young Swiss to live with debt

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When I was a lad, I used to dream of eating M-budget. I used to wake up at 3 in the morning, work 25 hours at t'mill - and pay t'mill owner for t'privilege of working! For tea we'd have a handful of hot gravel and then we'd sleep in a shoebox in the middle of the road. Then our mam and dad would murder us in cold blood and dance on our graves!

Young people today just have it soft!

Cheers,
Nick
... You had a shoebox!?!... etc. etc.

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People are getting credit way too easy, especially young ones...it's simply a trap...the credit companies use the mentality of the young people today...it's absurd!
Uh-uh. Really? So which of these is related to getting in a credit trap?

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She also has a car, a computer, visa debt, a public transport ticket fine, a speeding fine and smokes.
Thanks for clarifying why the banks are at fault...
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  #53  
Old 05.07.2011, 14:26
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Re: Two out of five young Swiss to live with debt

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Thanks for clarifying why the banks are at fault...
Where do you see that the banks are at fault?

Does the car fine, bus ticket fine implies the bank?

Does she use the bank to cash out on tobaccos?

Yeah, I almost forgot, she is the victim!

It's the bank who made her want the LV bag, the car, the 1200chf+ laptop, etc...

Also it's because she is so poor that she got the bus fine, she could not afford the fuel, or the bus ticket, you know?

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  #54  
Old 05.07.2011, 14:36
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Re: Two out of five young Swiss to live with debt

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Where do you see that the banks are at fault?
Nowadays any shop hands out credits. When I was a teenager, I did not even think of financing a computer as no shop had a sticker on them "You too can afford me - in 24 simple payments!!!". We had a huge inflation of credit offerings in the last years here - something probably completely normal for US people arriving here, but new for central Europeans. These new payment models DO lure people into spending more (otherwise the shops would not offer them, no?). And yes, they typically especially make people spend more who actually cannot afford it. I once leased a car and since then get spam from GE money bank every four weeks or so...

This does not mean that the bank is at fault or the girl not stupid - but yes, I do think shameless credit companies are to blame in many cases as well. They target their ads to low income groups with more than fishy statements.

P.S: Thanks to my wife have I spent hours of my life in LV stores, so I can by now easily spot fakes. Can't say it from the picture, but easily 70% of teenage girls in Zurich do not carry real ones, but 40CHF copies from the last trip to Spain/Italy/Egypt.
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Old 05.07.2011, 14:50
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Re: Two out of five young Swiss to live with debt

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Where do you see that the banks are at fault?
I don't. Nevermind.
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Old 05.07.2011, 15:28
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Re: Two out of five young Swiss to live with debt

Hell, im STILL in debt from Uni. Got nothing to do with buying cigarettes and cheap bags
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Old 05.07.2011, 15:32
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Re: Two out of five young Swiss to live with debt

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but yes, I do think shameless credit companies are to blame in many cases as well. They target their ads to low income groups with more than fishy statements.
.
Low income groups does not means they don't have a brain and or that they can't use it-
Yes credit companies are shameless.
Same for marketing, advertisement, etc...
But you expect from a 18 year old girl to use her brain.
And you expect from a journalist not to spread bullshit on a "poor girl with extreme difficulties".

What about parenting in there? If we blame credit companies (fair enough, I agree), what about them? Credit card to the girl??

I'm saying- we can blame the "system"- The difference is that she is the one who can act and think.
I seriously doubt it will work if she sees herself as a poor person, victim, and oppressed by the terrible banks.

I mean come on, she bought a mac!!! How screwed you have to be????
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Old 05.07.2011, 15:34
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Re: Two out of five young Swiss to live with debt

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Can't say it from the picture, but easily 70% of teenage girls in Zurich do not carry real ones, but 40CHF copies from the last trip to Spain/Italy/Egypt.
40CHF????? For a fake? Hei, in Greece was only 20 euros... Though they have a nasty crisis over there... Maybe the fake industry is also taking its toll...



(the woman on the beach selling them was actually trying to convince the tourists they were so expensive because she had to pay the plane ticket to Italy to buy them... Probably directly from Milan... )
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Old 05.07.2011, 15:37
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Re: Two out of five young Swiss to live with debt

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P.S: Thanks to my wife have I spent hours of my life in LV stores, so I can by now easily spot fakes. Can't say it from the picture, but easily 70% of teenage girls in Zurich do not carry real ones, but 40CHF copies from the last trip to Spain/Italy/Egypt.
Fake or not- it looks like a LV bag:
Why trying to show you have an expensive bag like that?
It shows a lot on her values and what she is trying to do.

If it's a fake it's illegal. Nice to comply with rules sometimes, miss "I dontbuy a bus ticket, I get a road fine, but i'm so poor"

And if it's about young women and "look" (trying to look trendy)- she does it wrong: a LV bag only make her look like a Chinese tourist or a prostitute. In my opinion- Mind you I don't know any rich woman who have one, so i'm not saying every one with LV bag is a prostitute: i'm saying it don't fit with look of normal youngs).
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Old 05.07.2011, 15:40
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Re: Two out of five young Swiss to live with debt

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Hell, im STILL in debt from Uni. Got nothing to do with buying cigarettes and cheap bags
Debts from uni are way different than getting more than you can afford, as a teen in apprentisage, after probably a free local school. I think kids would start thinking more if treir training/apprentisage they had to pay for too, instead of being paid. Cruel, child labor, etc., but a very good cerebral practice. There is no school I went to that would pay me (aside of years of academic scholarships, hahaha) for being trained/studying. I would only give scholarships to really good kids who apply themselves, not a pocket money to those who spend them on traffic fines and cigs.
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