Europa League 25/26

[Worsley Red]

Beşiktaş Stadium for the final holds about 42k last year in Spain I think the stadium for the final held 49k and the 2 teams got up to 15k tickets each should we make the final tickets will be few and far between as we might get 12k tickets max!!! The way the club allocate the tickets will be interesting and no doubt upset many people in the process - however would be a nice problem to have as we would make the final. Hotel prices for the final are already off the chart.

The Fenerbache stadium capacity is c.47,800. MUFC and THFC each got c.14,800 from a 53k capacity. UEFA often only gives 50% to the 2 finalists. so it could be as little as 12,500-13,000 for each club. Does that mean, depending on allocation policy, it could end up being ST Holders only? No idea how you'd assess how many would travel to Turkey !
Anyone know how big our Betis allocation was? AI says 3385. Felt like more than that to me, tbh.

 

[MaxiRobriguez]

Yes my points though are that it has never been that easy to get on the property market (unless you have rich parents) and those of us who were born earlier faced other issues affecting our purchases.

As hard as it is to get on the ladder you need to be determined to do it and make sacrifices. As boring as it sounds, the time to enjoy yourself is when you've cleared your mortgage and get all that extra disposable income.

(Oh, and I never understood how people could eat avacados, they taste like soap to me. I can hear the cry foom avacado lovers everywhere - "You go wash your mouth out!")

There's an enormous amount of data available that suggests the current young generation have it harder than any generations still alive that preceded them.

Suggesting they can thrive like you did by not spending £4 a day on something they don't buy anyway is a common response from those who've benefitted from generational luck but don't like to admit it.

 

[king_congo_red]

As hard as it is to get on the ladder you need to be determined to do it and make sacrifices. As boring as it sounds, the time to enjoy yourself is when you've cleared your mortgage and get all that extra disposable income.

You heard it here first people - No fun until you're retired.

Today’s first-time buyers are due to pay off their mortgage at 65-years old on average, compared to 53 in 1990 as sky-high house prices force buyers to extend their mortgage term to make their payments more affordable.

Later ‘milestones’ from retiring to paying off the mortgage

Our head of pensions Alice Guy considers the knock-on impact on our wealth and retirement decisions.

www.ii.co.uk

 

[Bing Crosby's Head]

(Oh, and I never understood how people could eat avacados, they taste like soap to me. I can hear the cry foom avacado lovers everywhere - "You go wash your mouth out!")

With a £4 coffee?

(I hate both avocado and coffee)

 

[PlayedOnGrass]

I asked why they thought it would be the case, not should it.

For what it is worth I agree that they should, I don’t think they will though.

Just a bit of frivolity on a wet cold Wednesday afternoon.
No - I dont think they will either

 

[MaxiRobriguez]

With a £4 coffee?

(I hate both avocado and coffee)

Go wash your mouth out.

 

[Strummer]

People need to be pennywise when buying property. A £4 Coffee per working day is £960 pa assuming a 48 week working year.

If a £4 coffee saves you that much then I would have thought skipping on the avocado toast must mean halving the term?

See, this is why I invested some of my money in a chain.

I then stood outside the coffee shop and hit people with it when they came out, and stole their coffee.

4D chess, right there.

 

[PlayedOnGrass]

Wasn't that only if you bought the 4-game bundle?

No - I bought the 4 ticket bundle - but didn't get any away tickets as they were for the away members.
I went to both Utrecht & Braga without tickets.
Not doing Fenerbahce - but will look to go to Betis or Midtjlland - should we get that far

 

[PlayedOnGrass]

The Fenerbache stadium capacity is c.47,800. MUFC and THFC each got c.14,800 from a 53k capacity. UEFA often only gives 50% to the 2 finalists. so it could be as little as 12,500-13,000 for each club. Does that mean, depending on allocation policy, it could end up being ST Holders only? No idea how you'd assess how many would travel to Turkey !
Anyone know how big our Betis allocation was? AI says 3385. Felt like more than that to me, tbh.

They only have to give 5% for away fans - which makes the Betis allocation about right.
Obviously - not sure about the final - but seem to remember 50% being mentioned previously. Lets hope its a problem we need to worry about

 

[Gaz1980]

I very much doubt we will, but if we did get to the final and the allocation was 13,000 when there's 20,000 season tickets holders - how would the club handle that?

 

[PlayedOnGrass]

There's an enormous amount of data available that suggests the current young generation have it harder than any generations still alive that preceded them.

Suggesting they can thrive like you did by not spending £4 a day on something they don't buy anyway is a common response from those who've benefitted from generational luck but don't like to admit it.

Without getting into the politics - i think todays youngsters fall into 2 camps.
If parents have done OK, have got their house, private pension etc - then the kids benefit.
If not - life is very difficult - How do you save £30k plus as a deposit when you are paying more rent than the mortgage would cost?
I can afford £4 for a cup of coffee - but why pay £4 when the coffee at McD's is only £1 and tastes better?

 

[Master Yates]

I wish mine did. I sold my first house for about 3 times what I paid for it which meant that it would have equated to about the same as paying off the interest and initial capital.

What's the mortgage rate now? Under 6% I remember it hitting 14% at one point when I had mine and being around 10% for long periods.

Getting your first home has always been a stretch, particularly if you was buying alone. My only holiday for about 12 years was trips up from London to visit my father or brother in Derbyshire and Lincolnshire. In order to bring down the total interest I paid, I paid any surplus of my earnings each year into my mortgage to bring down what I owed. This meant that I cleared the mortgage early and brought down the total interest that I paid.

People need to be pennywise when buying property. A £4 Coffee per working day is £960 pa assuming a 48 week working year. Assuming a compound interest of 5% on a 25 year mortgage, not putting that money into your mortgage instead means that it effectively costs you £3,250.90. The next years will cost you a little less (if the price of the coffee stays the same)

Is this satire? The owd “my interest rate was ten percent and yours is 6%” topped off with the hilariously inaccurate “buy less coffee and avocado toast and you could afford a house” classic…..

I think anyone of my generation and younger would happily pay 15% mortgage rates for a house that is 3 to 4 times our salary. But the average house is now 9 or 10 times the average salary.

This boomer delusion has been disproven time and time again. We aren’t spending our deposit money on coffee, we’re spending it on rent.

Sick of boomers complaining all the time when they have had it the easiest of any generation in history. Free university, affordable housing (even abundant social housing) triple lock pensions, lower retirement age, lived in a country before it went to the dogs and unless they were utterly financially illiterate, almost everything they paid money for went up in value massively without any effort whatsoever.

Now they’re all old and complain non stop about paying their way as their kids and grandkids live lives that are a hundred times shitter than they did.

I won’t say any more on this because it’s wildly off topic (even for LTLF) but yeah, you had it so much easier than everyone who came after you.

 

[MaxiRobriguez]

Without getting into the politics - i think todays youngsters fall into 2 camps.
If parents have done OK, have got their house, private pension etc - then the kids benefit.
If not - life is very difficult - How do you save £30k plus as a deposit when you are paying more rent than the mortgage would cost?
I can afford £4 for a cup of coffee - but why pay £4 when the coffee at McD's is only £1 and tastes better?

Yeah agree, and also agree about McD's coffee!

 

[PlayedOnGrass]

Yeah agree, and also agree about McD's coffee!

I take the grandkids there - they have nuggets and chips and I have a coffee.

 

[MagicalQuakers]

I very much doubt we will, but if we did get to the final and the allocation was 13,000 when there's 20,000 season tickets holders - how would the club handle that?

Based on how they did if for the FA Cup semin it will be based firstly on number of Europa away/home games attended, then SC holders, then membership. With some complication thrown in for good measure!

 

[Master Yates]

I take the grandkids there - they have nuggets and chips and I have a coffee.

If you took that money you spent on nuggets and put it in a Lifetime ISA instead, your grandkids would be able to buy 1/8th of a garage 40 miles out of town by the time they are 45. Do away with the chips and they could have enough to buy a blow-up mattress to sleep on.

 

[MaxiRobriguez]

I take the grandkids there - they have nuggets and chips and I have a coffee.

Sounds like an adult happy meal to me.

 

[PlayedOnGrass]

If you took that money you spent on nuggets and put it in a Lifetime ISA instead, your grandkids would be able to buy 1/8th of a garage 40 miles out of town by the time they are 45. Do away with the chips and they could have enough to buy a blow-up mattress to sleep on.

Yes - but where is the fun in that.
Fill the grandkids up with additives and hand them back

 

[Worsley Red]

Yeah agree, and also agree about McD's coffee!

McD have hiked the priced of coffee massively in the last 18 months. It's no longer the "bargain" it used to be. But still less than half the cost of being rinsed at one of the big coffee chains.

 

[MaxiRobriguez]

McD have hiked the priced of coffee massively in the last 18 months. It's no longer the "bargain" it used to be. But still less than half the cost of being rinsed at one of the big coffee chains.

It's because wholesale coffee prices have more than doubled in the past year:

£1.59 for an Americano is more of a bargain than £1.19 was a few months ago.

 

[Worsley Red]

It's because wholesale coffee prices have more than doubled in the past year:

View attachment 57188


£1.59 for an Americano is more of a bargain than £1.19 was a few months ago.

True, but this reckons without the common industry practice of forward-buying, which could be anywhere from 3-18 months ahead.

 

[I'm Red Till Dead]

Is this satire? The owd “my interest rate was ten percent and yours is 6%” topped off with the hilariously inaccurate “buy less coffee and avocado toast and you could afford a house” classic…..

I think anyone of my generation and younger would happily pay 15% mortgage rates for a house that is 3 to 4 times our salary. But the average house is now 9 or 10 times the average salary.

View attachment 57187

This boomer delusion has been disproven time and time again. We aren’t spending our deposit money on coffee, we’re spending it on rent.

Sick of boomers complaining all the time when they have had it the easiest of any generation in history. Free university, affordable housing (even abundant social housing) triple lock pensions, lower retirement age, lived in a country before it went to the dogs and unless they were utterly financially illiterate, almost everything they paid money for went up in value massively without any effort whatsoever.

Now they’re all old and complain non stop about paying their way as their kids and grandkids live lives that are a hundred times shitter than they did.

I won’t say any more on this because it’s wildly off topic (even for LTLF) but yeah, you had it so much easier than everyone who came after you.

I am barely a boomer, last 5 years or so, so percentage wise much of the % increases were built in before I could save enough money to put down a deposit to buy ( after 10 years of saving), between my house being built in 1955 and me buying it in 1991, the price had increased 3650%.

Anyway, Let me just say that I hope that if you haven't already (and want to) I hope that you manage to get on the ladder soon.

There was one good thing about renting and that was the landlord was responsible for sorting out damp, leaking roofs etc. (well if they actualy did it).

 

[valspoodle]

I don't mind admitting it. I had it easy.

Dad went to Korea early in the 50s and thought it sensible to get a bit of insurance sorted. I was the beneficiary of one of these. The payout was £360 and that was eacatly the amount I needed for my deposit on a house. Of course, my £10 a week wage didn't go far, but didn't have to as the mortgage was £21 a month. I had a wife living at home to look after the child and we lived like kings.

Never had any money, just had fun. Life is what you make it.

 

[coops89]

Fenerbahce are reportedly signing Darwin Nunez. They will also be lining up with new signing Ngolo Kante when they play us (if they are allowed to be registered for the play-off phase?)

 

[Notcher]

The deadline for MCO clubs to be UEFA compliant is coming up in a few weeks. Do we think Marinakis will place Forest into a blind trust as a precautionary measure on the off chance that we win the Europa League? It would seem incredibly risky not to given what's happened with Palace and the scrutiny that came with that.