the thing they don't mention about the tuition costs is that in the uk it is not payed off until you make a certain amount of money. and after 40 years the debt is completely wiped off if you never reach the needed salary amount.
That system is available in the US too, just not as widely available as it is here - it's called income-driven repayment. it works exactly the same way, you don't pay until you hit a certain income threshold, you then pay a percentage of your income after that threshold and after 20-25 years the debt is wiped. It's not as good as the UK student loans (much lower income threshold and slightly higher repayment amounts) but it is essentially the same system. It's not 40 years either for most people in England. It's been 30 years or until you are 65 (depending on the plan you are on) for almost all of it's existence. It only increased to 40 years last month.
Hi from N Ireland! "Scots Irish"refers to the large number of people, particularly in the north of Ireland, with both Scots and Irish heritage. Due to the large amount of historic emigration - most recently mainly from Scotland to here during The Plantation, but farther back it was the other direction (Ireland populated Scotland through the millennia, and both native languages are very similar [Gaelic]). The province of Ireland that I live in in called Ulster, and "Ulster Scots" is a local identity and dialect, heavily influenced by Scottish emigration since the Plantation. I myself am Irish, and have an Irish passport, but many here have a UK passport and identify accordingly.
Yeah, I'm Scots but quarter-Irish and as you say, it's from the "Scots-Irish" in Ulster as that's where my grandmother was born but raised in Portadown...so we do split hairs with these things...
Housing is generally smaller here in the U.K., but our houses are built of stone or brick and last for many centuries. My modest little house is considered modern because it was built in 1919. My sister’s home is a Medieval farm house. My step father’s home was 17th century. Houses here are very expensive, but represent a long term investment for your family and descendants.
@@anaseijas3923 I didn’t say he was right or wrong. It’s just a bit sad to be watching a bit of UA-cam and get irritated about which race is fattest and immigration 😂 have some time to relax, talk to people different to you and have a lovely day!
I have to say, with ALL due respect to you King Boomer, it's good to see your Queen Boomer back on UA-cam. I sincerely hope that you are both well? P.S. Congratulations on the birth of your little one.
Tuition fees for university are a relatively recent thing in the UK. When I went to uni in the early 90s, it was free and the government gave you a grant for living expenses. The grant wasn't enough to cover all expenses so, like most students at the time (unless they had parents who could subsidise them) I had part-time evening/weekend jobs to make up the difference.
Yep. I went in 1988. The grant covered everything - didn't need a job or parents to bail me out! But this was about the time where the grant started to be worth less in real terms year on year.
@@Chackravartin That sucks... But don't worry, all the old gammons who got their houses cheap and their jobs for life will call you spongers and scroungers!
I've just finished my 4 year Biology degree and I'm now in £80000 debt and ofc I started September 2019 and lockdown was a matter of months after haha@@Chackravartin
I don't mind if you take your channel in this direction. Some series that you reacted to never interested me anyway, so it's nice that there are plenty of other things to react to instead of just British sitcoms :)
Fortunately I went to university at a time in the UK when there were no tuition fees. Zero, zilch, nada. It is disgusting how the universities currently milk the UK and foreign students, and how much the vice chancellors are paid.
How do you suggest it is paid for then? Should the taxpayers fund tuition for over 18s? I think the loan system is fine. People complain about the debt, but it's completely manageable
@@al81yoothe main problem with student loans is that the threshold for repayments have not kept up with inflation, and therefore each year graduates are getting poorer. Other issues are £9k a year isn't really justifiable, accommodation prices have sky rocketed, and graduate salaries are too low.
@@al81yoo Yes, higher, and all, education should be financed by higher taxation if there are no other sources of public funding available. It does not necessarily mean higher taxation for the general population, but could be higher taxation for wealthy individuals, abolition of the non-dom status (already part of the Labour program), higher investment in HMRC to pursue tax fraudsters, proactive effort to claw back the billions for the suboptimal anti-covid masks/gowns, etc. You say the debt is manageable, but many people choose not to study because they think it is not manageable.
I think the marriage rate is per year. So in the UK there were 4.5 marriages per 1000 people in that year. It doesn't tell you what percentage of the population are married.
Also it’s 4.5 per 1000 of the TOTAL population, so this includes children who are of course unable to marry and older adults who are much less likely too.
@@Peterlevertonit’s 4.5 per 1000 people get married per year. 46.9% of the total population is married. That’s nearly 1 in every 2 people. There’s over 200,000 new marriages per year. They just divided it by 1000 to compare it per capita to the US.
@@Peterleverton yeah a apart of the 53.1% of the population that’s unmarried includes children, divorcees etc. It’s still a lot lower percentage than it used to be. There’s much less taboo these days living out of wedlock. In the past at one point it would have been scandalous to live with a partner before you were marriage. Even at one point it was scandalous for a couple to be alone together in the same room without a chaperone, until they were married. Which must have led to many terrible marriages.
hi , I don,t think the queens question regarding maternity leave in the UK was answered in the video .This was taken from the nhs website and is the minimum legally required ,some bigger companies offer more benefits "If you are employed and pregnant, you are entitled to 52 weeks (1 year) of maternity leave, no matter how long you've worked for your employer. This is made up of 26 weeks of ordinary maternity leave and 26 weeks of additional maternity leave. You have a range of rights during this period and can also request that your employer provides flexible working arrangements if you decide to return to work at the end of your leave. Your employment terms (for example, your pension contributions) are protected while you're on Statutory Maternity Leave. If you're made redundant while on Statutory Maternity Leave, you also have extra rights."
Scotch / Irish refers to Ulster Scots. Scottish settlers who settled in the north east of Ireland. They have a distinct dialect derived from Scots. Many Ulster Scots moved on to the USA.
@@rossshepherd9836Iam from Liverpool which is an Irish city in the wrong country 😅 when visiting the Antrim coast many years ago I was driving down a country lane looking for the Giants causeway, I saw an old couple and pulled up to ask for directions..when I heard their accents I asked " Are you from Scotland " they glared at me and said " No we are local " before rushing off.
I started uni in 1998. Up until then, students had been given grants which did not require repayment. My year was the first to be charged tuition fees thanks to the Labour party, despite their mantra being 'education, education, and education'. I believe it was £1025 p.a., but the Conservatives took the ball and ran with it, and it is now something around £10k p.a. I studied French, which meant I only had 8 hours of lectures/seminars a week. It did NOT feel like good value for money. Charging £10k also has the knock-on effect of making the student feel -not unreasonably- like a customer, meaning that they can demand not to hear opinions with which they disagree. It's a fucking joke.
This, all this. Paying for further education was a big mistake policy that Labour introduced, but what made it worse is that they introduced it right then, no notice. If they had introduced a policy of, "we're going to introduce tuition fees for further education, but we're going to do in 20 years time", this would've given people a chance if planning a family to set up college funds for their children. Instead they lumped a huge pile of debt on a generation for paying back tuition fees, the same generation who are finding it hard now to maintain mortgage payments or even get on the housing ladder, this is also due to the fact that successive Labour and Tory goverments have let house prices spiral out of control, and not build more social housing. And what for, so Labour could build a clown show Domed Tent and Ferris Wheel in London and the Tory's could (half) build a fancy rail line to cheaper housing stock in the north (which us Northerns didn't want or need anyway) for the London centric governments to keep London happy. Eff them. /rant.
If youre talking about giving far right loons platforms to indoctrinate teenagers with far right hate speech then im glad most students have more sense not to enable this. Some of the best political movements clme from students as they still have morals
I’m from the England and honestly your rant on universities I am absolutely on board with. If I had a kid, I would advice not to go to university. My takeaway from with University is that I made good friends and that’s it. I took an animation course and got work as an animator and what I learnt in comparison (in the first 3 years) was minimal compared to what I learnt on my job. I honestly feel you could learn more from UA-cam videos these days than what you would get from University lectures or seminars.
The problem is so many companies only hire graduates. I did 3 years of computing, did a module on creative computing in my first year which lead to me really getting to graphic design and doing some freelance stuff, but couldn't change course due to it meaning starting from year 1 again (I didn't have enough years of student finance for this). Applied to a bunch of graphic design and web design roles after uni, had a few interviews that I felt went well, got complimented on my portfolio multiple times, but never got any of the jobs. It would always be, "we're really looking for a graduate" or "have you considered doing an apprenticeship/kickstart?". I was 25 at the time, so too old for the kickstart scheme, and I couldn't afford to live on apprenticeship wages either. I tried for a little while keeping up the freelance work, but I've just ended up doing shit jobs I have no passion for instead. Overall I think if you want money fast and a decent amount of it, straight out of highschool go into a trades apprenticeship. University is still the best option if you want to go into a field where theory is important, or there are particular principles and such. Definitely agree with supplementing your learning with UA-cam and other platforms though.
Maternity leave is 12 months paid leave. Paternity leave is between 2-4 paid weeks depending who you work for. When it comes to getting a degree, the numbers they showed was for a PHD which takes 4 years and will cost you no more the £39,500 as you pay a fix price for the year. In Wales it's half that and Scotland it's free. But the numbers they gave for the US was for community collage not University. To get a PHD in the US it'll cost you on around $100,000+ depending on the University as it takes 5-6 years.
When it comes to work a lot of my American colleagues are so much happier in the UK when it comes to work life balance, working here is more relaxed. For the short time I worked in the US I felt the difference quite dramatically, it makes me feel sorry for Americans because I don't think the attitude towards work there is for the better, I believe there should be more balance between both life and work.
A.k.a. "Work smarter, not harder" & "A happy worker is a productive worker". You get more out of people when they're not exhausted, almost counter-intuitively.
I feel it is important to note that the education comparison sounds like it is definitely from the English perspective. Education in Scotland is free, or, in some instances, at the very least (more so in cases of postgraduate study) heavily subsidised; we have a tuition fee 'gift' (not to be repayed), and tuition loans (to be repayed and is more common for postgrad studies).
I never went to university, or higher education, I took an apprenticeship, so my employer paid my college fees and also paid me a wage, for four years. Apprenticeships went out of favour for a while, but are becoming more popular for obvious reasons for those that want to be skilled tradesmen. As far as I'm aware, the debt that is built up, only has to be paid back in tax years that reach a certain level of earnings. Above that thresh-hold a set % is automatically deducted from wages, similar to taxes in P.A.Y.E. So those that benefit from the education in theory, pay some back. At the end of the working life, the debt is dissolved even if not a penny is actually paid back, but to me it still seems like a burden to have to carry throughout most of life, when years ago it was just FREE. The problem is every kid is told, to be a success, you need to go to uni, for any job. So instead of 10% of population most capable, going & having it paid for, every Tom, Dick & Harry, Sue as well, swamped the funding affordability, and with the high numbers the colleges got greedy.
Scotch-Irish is a very specific term referring to a migrant group of protestant settlers from Scotland to Northern Ireland in the C17 and their subsequent migration to the American colonies in the C18.
The university situation is crazy in uk you take a loan from government that covers your cost of study they also provide you with a maintenance loan which helps you pay for clothes accommodation etc that can vary in amounts depending on your parents income but in UK you only pay it back after you start earning over a certain amount even then you only pay for 30 years or it stops when you reach 65 then they write the remaining off
Whereas in the US, as I understand it, the minimum repayments can often be less than the interest on a student loan, so it can increase over time even if you're paying. Also it's nearly impossible to go bankrupt and have a student debt cleared, so being destitute won't make it go away. At least, that's based on a video I watched about the subject a few years back.
Life expectancy in the US is very low for a highly-developed country, due to the opioid epidemic, a high murder rate, high number of road accident deaths etc.
Maternity Leave - Eligible employees can take up to 52 weeks' maternity leave. The first 26 weeks is known as 'Ordinary Maternity Leave', the last 26 weeks as 'Additional Maternity Leave'. The earliest that leave can be taken is 11 weeks before the expected week of childbirth, unless the baby is born early.
Not been on your channel for a while. The last time I saw Queen Boomer, she was pregnant. So a massive congratulations to you both on the birth of your baby daughter. Wishing you and your family all the very best. 😊
We have smaller homes on average cause like you said, we’re a tiny island with a massive population. Japan has the same problem, although they really do put you in boxes over there
UK we don't have to pay any of that money unless we earn over the threshold of 28k a year and then it's scaled and I believe if u don't pay it off after 35 years it's written off.
In the UK you don’t get a student loan from a bank, it’s from the government. You only start paying off your student loans after you earn above a certain threshold. It’s also written off after 30 years. Only 27% of university graduates pay off their student loans in full. If you actually got a degree in finger painting, you’re probably never going to earn enough to pay it back. Unlike in the US with a bank loan. So it’s a little bit of a misleading comparison.
Lovely to see the Queen 👑 back and congratulations . This is a bit of an oldie and inflation has probably altered some of the comparisons . Student loans only become payable when you start earning a certain amount and in Scotland it's free .
Took me 16 years to pay off my original uni student loan, it was deducted direct from my wages at 9% over a certain threshold, the threshold was very low. It's different now, so it depends when you studied what the terms are, but the fees are astronomical.
Yeah, as a Brit I travel a lot in Europe, Canada, Australia, New Zealand and the States. When I get home particularly after a longer trip it’s the house sizes I always notice. It comes down to space, the UK has a population size of 67 million people - and london has a population of 9.6 million. The whole of the UK land mass could fit into just the state of Texas nearly 3 times over! The entire population of New Zealand is 5.6 million less than London alone. So yes space is at a premium and we are squashed in. It’s mostly the case in cities and population centres, but not that many people particularly young people don’t really want to live far away from metropolitan areas as thats where the jobs are (that is a generalisation I’m sure lots choose not to). When I finished school, yes it was a given your parents expected you to go to College as for them it guaranteed a well paid job. My daughter has just started college but we really encouraged her to do a vocational course so she can do something employers need. I would be happy for my son who is still at school to learn a trade at trade school. The UK currently has a shortage of carpenters, my friend went back to college and trained as a carpenter and is now earning more than anyone I know. The difference in college tuition in the UK is their is no interest in the loans and the repayments are tied to your salary. So if you only ever worked the lowest paid jobs for your entire life you would never have to pay the loan back - which granted is a pretty silly thing to do, but it’s feasible. I went to college entirely for free, so did everyone until around 1991. I think it’s wrong, the future of your country is dependant on the education and skills of your citizens, we need well trained and well educated people - not a generation saddled with debt with useless degrees. The other thing, my father in law left school at 14 and was an electrician his whole life, my mother in law was a house wife and never worked (maybe a couple of part time jobs here and there in shops etc) - so traditional blue collar family, they own their own house, have always had two cars, always went on nice holidays and have no debt. To do that now, on one blue collar salaried job , and raise a family a no way, no chance, zilch. And yes, with each year i notice more and more fat people here, like really fat, obese fat, as a kid in the late 70s and 80s you never saw that many fat people - certainly rarely the size you see now more and more. I watched old film footage of a busy London in the 1950s - we could not spot a single fat person, literally everyone was slim, everyone- like normal human size!
One thing you are missing re tuition fees, we don't pay them back until we are earning £20 000+ a year and it is a small percentage of earnings (6 - 9%). Once you retire the debt is wiped. After 25 or 30 years the debt is wiped (depending on the scheme) If you become permanently unfit to work it is wiped.
Scotch Irish Is largerly Northern Ireland. Northern Ireland ultimately goes back to the Plantation of Ulster which was Scottish people settling in Ireland. James 1st, Son of Mary Queen of Scots, had claims to the throne in Scotland, England and Ireland. He obviously had England and Scotland (he was also James VI in England). So the plantation of Ulster i guess was his first steps into trying to get his Ireland. BTW he was the first of the Brtiish colonisers of the Americas, hence the Jamestown colony...
Scotch Irish is Northern Ireland, Northern Ireland’s ancestors came to Northern Ireland from Scotland. That’s why people from Northern Ireland sound more Scottish than they do to the rest of Ireland
The Uni/college fees in the UK are misleading as they are not paid back until you start earning a certain wage and are staggered the more you earn. Some people never pay off their student fees in the UK
In England we learn the story of the 3 little pigs at an early age, ;) move your giant wooden house over to England, and see how you feel in the winter lol, and that's before you see how much it will take to heat it.
Yes it is the Isle of Man 🇮🇲 Hi 👋 glad to see the Queen is doing well ❤️ Also I think Scot’s Irish are the Protestants in Northern Ireland (who came via Scotland ) as opposed to the catholics who are Irish
3:00 - When I was at school and had to draw the British Isles in Geography, the teacher said "just remember it looks like a witch riding a pig, chasing a koala". It must have worked cuz I always remembered it lol!
That is so weird. Because Rolf Harris on kids tv used to draw the main bit as a kangaroo with his face and Ireland as a koala. He is an old Australian UK tv celebrity.
In regards to maternity leave. In the UK you get 26 weeks to 52 weeks maternity leave. 26 weeks is known as Ordinary Maternity Leave. The 52 weeks is known as Additional Maternity Leave. The earliest you can take leave is 11 weeks before the baby is expected to arrive.
Student loans in the UK aren't repaid like traditional debt. It only takes 9% of your income if you are earning middle class wages usually over £28,000 per year and are mostly absolved after a number of years and hardly take a financial burden. The cost to study at university is £9,250 per year for a total of 3 years (this is your tuition fee) and a maintenance loan to cover your cost of living varies on your parents' income but maxes out at roughly £9,000 per year paid to you in three installments. Again, this is all paid back as a sort of '9% tax increase' after you graduate.
Healthcare is free, houses are small and expensive, and the law is greatly more forgiving (albeit the laws are similar, the sentences are greatly different).
The student debt thing for university in the UK needs explaining. In the old days the education was free for everyone and you might get a free grant for living expenses (means tested - if your parent were rich they had to contribute to the latter). The costs were borne through the taxes that everyone pays. This became thought of as unequitable as some people didn't get to go to university, although it was always posited that they and the country benefited as a whole, having qualified doctors, scientists lawyers etc. Nowadays you get a 'student loan' - this is firm a specific government sponsored lender, not a high street bank. Again the cash comes in two parts - a loan for the full cost of the education and a loan for living expenses, which is again means tested so parents may have to contribute. Although the final loan seems massive, you only pay it back once your earnings go over a certain threshold and it comes out of your pre-income tax salary through payroll - you do not have to write a cheque to a loanshark demanding cash with menaces, you never see it going. Also you have 25-30 years to pay it off, or to the age of 65, after which it is forgiven. So if you choose to study finger painting, you may never pay off the loan but no one will hold it against you and eventually it will be forgiven, unless you sell a painting for a million, in which case the Government will come looking for a percentage. If you study something that leads to a high earning career, like law, you will pay off the loan more quickly and probably won't ever notice.
Scotch-Irish Americans are American descendants of Ulster Protestants who emigrated from Ulster to America during the 18th and 19th centuries. Their ancestors had originally migrated to Ulster mainly from the Scottish Lowlands and Northern England in the 17th century.
Universities here in the UK make their money milking foreign students who come from wealthy families to study in the UK. Nowadays, universities are the UK's biggest export. Not only has it created a massive immigration problem, it has worsened the housing situation in the UK too. The only new properties that get built in any city is exclusively student accommodation. You can't live in them if you're not a student and you can't buy them unless you're a foreign investor who is a cash buyer. The British government for the last 13 years has asset stripped the country to line their own pockets. Now the country is fucked. The whole country is owned by Chinese and Middle Eastern investors who send their kids here for university.
That university UK number is very high. That’s for 1 year at 99% of UK universities as a British student. When my dad was at uni in the 90s he was paying £3000 a year tuition fee
That was the same for me too. I started uni in 2008 and it was only a few quid above £3,000 for the entirety of my degree. The increase to £9,000 a year was announced while I was still there, but it didn’t affect people who had already started, only freshers. If I was finishing up 6th form now, I would probably still go to uni, but I would definitely think harder about it than I did 15 years ago.
@@MJScrivens89 yeah I started uni this year... increasing to 9000 stopped people going to uni to do silly degrees. as the investment isnt worth it unless your doing STEM, Law, Medicine etc
Tuition fee rates are wrong. There are 2 rates separate for Domestic students and International students. The rate is English students at English Universities. NOTE: SCOTLAND sets its own laws on this. Scottish students can get their University fees paid in the UK so ZERO. English students attending Scottish Universities pay at most a Domestic rate of around £4k ($5k) per annum. Some may even claim full fees paid! So even for English students studying in Scotland it's cheaper
In the UK you are better of learning a trade ..... Polish Plumbers have been getting very wealthy while UK graduates hop from low payed job to low payed job ....
regarding house sizes the thing you have to remember is a lot of our housing dates back along time and even newer builds have to sit on streets hundreds of years old and remain in keeping with the local area. It is true our country is smaller but then so is the population. Ive travelled to u.s a few times and stayed in rented accomdation, particularly in florida so I can see the difference but being absolutely truthful it doesn't really impact quality of life at all we just have our layouts a little different. universities over the last couple of decades have gotten ridiculous, so you're bang on the money there. Scottish- Irish , yeah what nonsense where was just "irish"? I think the dude must have been smoking something weird .
British and proud, and also very proud of our friendship with the USA. 🇬🇧🇺🇸 Scotch-Irish Americans American descendants of Ulster Scots Not to be confused with Irish Scottish people or Ulster Scots people. Scotch-Irish (or Scots-Irish) Americans are American descendants of Ulster Protestants who emigrated from Ulster (Ireland's northernmost province) to America during the 18th and 19th centuries. Their ancestors had originally migrated to Ulster mainly from the Scottish Lowlands and Northern England in the 17th century. In the 2017 American Community Survey, 5.39 million (1.7% of the population) reported Scottish ancestry, an additional 3 million (0.9% of the population) identified more specifically with Scotch-Irish ancestry, and many people who claim "American ancestry" may actually be of Scotch-Irish ancestry
Scotch-Irish Americans are descendants of the Ulster protestants who in turn are descended from the Scots who took over Ulster land during the plantations. There are far fewer than 5 million of them in Northern Ireland, so this includes a diaspora in the rest of the UK of people who emigrated whose ancestors did in recent history.
Scotch Irish is the Northern Ireland sector. Billie boys or Hill Billie's were Scottish migrants who ended up farming the border regions of N. Ireland. Some of course, later, migrated to America.
Scots and the Irish are related as the Scots originally come from ireland during the Dark Ages - so the DNA is virtually the same and comes under Q-Celtic as opposed to Welsh who are P-Celtic (P & Q is a reference to the respective language. Minding your Ps and Qs is a saying that originates from this). The original folk from Scotland are the Picts who also are related to the Irish.
Marriage rates - that's per year! You don't normally get married every year.... :o) It's not "0.45% of people are married", its "0.45% of people got married this year"
Our parent leave is one year but you get paid £700 a month, it’s not full wage. My wife did the first 3 months and i took the rest of the time off with the baby. Thankfully back in work as off today and the children are in nursery now
You should check out London "appartments" to rent for $4,000 plus a month. I say appartments. Most are one room with a small bathroom, no bath. Kitchenette in the living room which is also your bedroom!!! And you can touch each end of the room at the same time.
Statutory Maternity Pay (SMP) SMP for eligible employees can be paid for up to 39 weeks, usually as follows: the first 6 weeks: 90% of their average weekly earnings (AWE) before tax the remaining 33 weeks: £172.48 or 90% of their AWE (whichever is lower)
You were both great on that one nothing wrong with having a good rant now and again .National insurance contributions are taken from everyone's wages by the government every week so your medical costs are pre paid .In England prescriptions have a nominal fee on collection .in Scotland they are free at time of writing .
Congratulations to you pair of muppets, and welcome to the world princess Boomer. Wishing you and you're new family all the best. From Brum in the UK. hilarious you pair are, take care
Sorry, one more comment - about tuition fees. I think you are so right! The numbers in this video are nuts. My younger brother did a year of his undergraduate University College London computer science course at Texas A&M near Houston TX (it was fun visiting him!). I remember that he had to have $5,000 in his current account before they'd even let him into the country. Fortunately, he was on a scholarship so he didn't have to cover anything other than his living expenses because otherwise the tuition fees would have been (if I remember correctly) something like $15,000 - at least. To be clear, that was in 1995!
The university thing in the UK was really not looked into by the video creator, as its done through the student loans company and often means that people who earn a lot more after pay more and those who earn less pay less, and even sometimes dont pay at all, as its written off after a certain amount of time has passed. The anoying thing about the discrpency of who has to pay in the uk and who doesnt is that people from England end up having to pay for the other countries to get free or cheaper university fees and we have to pay the most, kind of discgusting and i have no idea why we stand for it and don't hold the government to account for it, as it is them who set the caps and run the student loans company, which is technically just a government based loans company.
19:35 when it comes to student loans, ours come from the a government scheme, and you don’t start paying them back until you start making a certain amount of money (I think it’s £22k a year now), and even then it’s a small percentage of that. Most of the time I’ve been working, my student loan repayments have been between £7 and £11 a month, and just like tax and pension it’s taken straight from my pay before it even gets to me. As for our universities, I think we have it slightly easier than American colleges as we only have to study one subject, so it’s a lot more focused, and the modules/credits you need to pass are all there in front of you when the year starts.
I went to university and got grants to cover the costs. These didn’t start getting paid back until I started work and earn over a certain amount, and is a small % automatically paid on your payslip. If you don’t earn over that then you don’t pay anything and it’ll be written off if/when you die. You could stop working for years and the payments would stop until you start working again.
What they didn't say regarding repayment of student loans in England, you don't pay back anything until you earn over £27,295 a year, then you pay 9% of your income above this threshold.
Scotch-Irish probably refers to Ulster Scots. The origin of this group was the UK granting many Scots - mostly protestants from the Southwest - land in Ulster in Ireland,. The land was seized from Irish nobles who'd been forced out of Ireland as part of a planned colonisation effort in the 17th Century. Many of these people later emigrated to the US. I don't know if American stats also class people of mixed Scots-Irish ancestry (like me) as Scotch-Irish too, but Ulster Scots are a separate group entirely. Also that marriage rate is per year, not in total! I actually think marriage is getting more popular again, at least where I live.
Scotch Irish Is from Ulster and they get called Scots Irish due to the small distance between our shores and Scotland we intermixed for 1000s of years heavily from early raiding parties to the forming of alliances and then a shared Presbyterian heritage which led to persecution and leaving Ulster to live in the New World. There is a huge lot of history of these people in USA and Canada ie Davy Crockett, James Stewart, Andrew Jackson etc. Your Hill Billies were named after us being followers of King William / Billy.
The biggest average house size on Earth just swiched over from the US to Australia recently. I'm only guessing, but I think the student loan situation in the UK might be more similar to that of Australia. Just about all of the universities in Australia are funded by the government. You can choose to pay some or all of your tuition off up front and get a 25% immediate deduction on the cost. Otherwise you can agree to take out a loan provided by the government that is indexed to inflation, so you don't pay commercial bank rates (i.e. leading to commercial bank profits). The government then sets thresholds for how much is deducted from your salary when everyone graduates, along with the taxes they automatically collect on every pay run. You only start paying it back once your salary breaks a certain threshold and then it is only a single-digit percentage of your salary, so not so burdensome. If you never earn above the minimum threshold salary, then you get away without having to pay back a cent, however you still have to be mindful of the debt increasing constantly with inflation. I might be wrong, but at one stage you could also move overseas and the government couldn't come after their money. I know now that international taxation has changed for a lot of countries, who will try to own your soul, regardless of wherever you go, so this loop hole possibly no longer exists like it once did. If your parents have got the cash, 25% off and no debt is truly a bargain but if not, the loan system is do-able. I think hardly anyone baulks at tuition fees here. Another thing worth mentioning is that a significant number of students here qualify for substantial government assistance that is close to unemployment benefit payments, so a lot of people without a cent to their name can afford to study without having to take a part time job.
Stats are tricky - they say 6.4 people in 1000 got married - they don't state how many of the 1000 were already married, how many had been married and were now divorced or widowed and how many were below marrying age. They're not saying out of 1000 people only 6.4 are married at any one time!
the thing they don't mention about the tuition costs is that in the uk it is not payed off until you make a certain amount of money. and after 40 years the debt is completely wiped off if you never reach the needed salary amount.
That system is available in the US too, just not as widely available as it is here - it's called income-driven repayment. it works exactly the same way, you don't pay until you hit a certain income threshold, you then pay a percentage of your income after that threshold and after 20-25 years the debt is wiped. It's not as good as the UK student loans (much lower income threshold and slightly higher repayment amounts) but it is essentially the same system.
It's not 40 years either for most people in England. It's been 30 years or until you are 65 (depending on the plan you are on) for almost all of it's existence. It only increased to 40 years last month.
Hi from N Ireland! "Scots Irish"refers to the large number of people, particularly in the north of Ireland, with both Scots and Irish heritage. Due to the large amount of historic emigration - most recently mainly from Scotland to here during The Plantation, but farther back it was the other direction (Ireland populated Scotland through the millennia, and both native languages are very similar [Gaelic]). The province of Ireland that I live in in called Ulster, and "Ulster Scots" is a local identity and dialect, heavily influenced by Scottish emigration since the Plantation. I myself am Irish, and have an Irish passport, but many here have a UK passport and identify accordingly.
Yeah, I'm Scots but quarter-Irish and as you say, it's from the "Scots-Irish" in Ulster as that's where my grandmother was born but raised in Portadown...so we do split hairs with these things...
Nice one@@gabbermensch. And Portadown is very much in Ulster (if I didn't misinterpret that bit of your reply)
Housing is generally smaller here in the U.K., but our houses are built of stone or brick and last for many centuries. My modest little house is considered modern because it was built in 1919. My sister’s home is a Medieval farm house. My step father’s home was 17th century.
Houses here are very expensive, but represent a long term investment for your family and descendants.
Average British is Muslim Indian & Black following close is Eastern Euiopeans the most common name in Britai is Muhammad google it
He said we’ll be the fattest in EUROPE, not the world, so you’ll still take that title don’t worry 😉
not by much tho
@@AlchemistOfNirnroot oh yeah we have our fair share!
@@AlchemistOfNirnrootmost of the obesity in Britain is from immigrants, just look at obesity within the UK based by ethnic background
@@the98themperoroftheholybri33 have a day off mate
@@anaseijas3923 I didn’t say he was right or wrong. It’s just a bit sad to be watching a bit of UA-cam and get irritated about which race is fattest and immigration 😂 have some time to relax, talk to people different to you and have a lovely day!
I have to say, with ALL due respect to you King Boomer, it's good to see your Queen Boomer back on UA-cam. I sincerely hope that you are both well? P.S. Congratulations on the birth of your little one.
Tuition fees for university are a relatively recent thing in the UK. When I went to uni in the early 90s, it was free and the government gave you a grant for living expenses. The grant wasn't enough to cover all expenses so, like most students at the time (unless they had parents who could subsidise them) I had part-time evening/weekend jobs to make up the difference.
Yep. I went in 1988. The grant covered everything - didn't need a job or parents to bail me out! But this was about the time where the grant started to be worth less in real terms year on year.
Im in crippling debt and half of my course was online because of 2020 :D :D :D so I couldn't even use what I payed for :D :D :D :) :) :) :l :l :l :(
@@Chackravartin That sucks... But don't worry, all the old gammons who got their houses cheap and their jobs for life will call you spongers and scroungers!
I've just finished my 4 year Biology degree and I'm now in £80000 debt and ofc I started September 2019 and lockdown was a matter of months after haha@@Chackravartin
I don't mind if you take your channel in this direction. Some series that you reacted to never interested me anyway, so it's nice that there are plenty of other things to react to instead of just British sitcoms :)
really happy for you and your new addition to the family
'Depends on how much you're trying to steal', delivered in deadpan voice. WELL DONE!!!😄
Fortunately I went to university at a time in the UK when there were no tuition fees. Zero, zilch, nada. It is disgusting how the universities currently milk the UK and foreign students, and how much the vice chancellors are paid.
How do you suggest it is paid for then? Should the taxpayers fund tuition for over 18s?
I think the loan system is fine. People complain about the debt, but it's completely manageable
@@al81yoothe main problem with student loans is that the threshold for repayments have not kept up with inflation, and therefore each year graduates are getting poorer.
Other issues are £9k a year isn't really justifiable, accommodation prices have sky rocketed, and graduate salaries are too low.
@@al81yoo Yes, higher, and all, education should be financed by higher taxation if there are no other sources of public funding available. It does not necessarily mean higher taxation for the general population, but could be higher taxation for wealthy individuals, abolition of the non-dom status (already part of the Labour program), higher investment in HMRC to pursue tax fraudsters, proactive effort to claw back the billions for the suboptimal anti-covid masks/gowns, etc. You say the debt is manageable, but many people choose not to study because they think it is not manageable.
taxes are already ridiculously high in the UK. @@expatexpat6531
university fees cost more to accomodate all the silly ledftists and their safe space propganda
The US is 40 times the size of the UK, with 5 times the population, hence 8 times as sparsely populated.
I don't understand your point?. The percentages wouldn't change regardless.
Doesn't help when you bring in 1 million people net each year. You Brits act as if you're the size of the US when you're not.
@@johnjohnhasabashat...2279It makes perfect sense? A sparser population means more room to build bigger houses
@@johnjohnhasabashat...2279 4,000% more space, 500% more people = 800% the space per person. The percentages change a lot.
@@johnjohnhasabashat...2279are you American?
I think the marriage rate is per year. So in the UK there were 4.5 marriages per 1000 people in that year. It doesn't tell you what percentage of the population are married.
Or how many people are getting married for the first time or second, third......
Also it’s 4.5 per 1000 of the TOTAL population, so this includes children who are of course unable to marry and older adults who are much less likely too.
@@Peterlevertonit’s 4.5 per 1000 people get married per year.
46.9% of the total population is married. That’s nearly 1 in every 2 people.
There’s over 200,000 new marriages per year. They just divided it by 1000 to compare it per capita to the US.
@@JarlGrimmToys I didn’t take into account those already married!! Good point!!!
@@Peterleverton yeah a apart of the 53.1% of the population that’s unmarried includes children, divorcees etc.
It’s still a lot lower percentage than it used to be. There’s much less taboo these days living out of wedlock. In the past at one point it would have been scandalous to live with a partner before you were marriage. Even at one point it was scandalous for a couple to be alone together in the same room without a chaperone, until they were married.
Which must have led to many terrible marriages.
hi , I don,t think the queens question regarding maternity leave in the UK was answered in the video .This was taken from the nhs website and is the minimum legally required ,some bigger companies offer more benefits
"If you are employed and pregnant, you are entitled to 52 weeks (1 year) of maternity leave, no matter how long you've worked for your employer.
This is made up of 26 weeks of ordinary maternity leave and 26 weeks of additional maternity leave.
You have a range of rights during this period and can also request that your employer provides flexible working arrangements if you decide to return to work at the end of your leave.
Your employment terms (for example, your pension contributions) are protected while you're on Statutory Maternity Leave.
If you're made redundant while on Statutory Maternity Leave, you also have extra rights."
Not forgetting paid paternity leave which is 1-2 weeks
I got statutory sick pay for my maternity leave, NOT full wage. Depends on company (mine is a reputable one).
As I understand it and i,m not an expert in these matters you should get so standard maternity pay@@benharrowven3981
Scotch / Irish refers to Ulster Scots. Scottish settlers who settled in the north east of Ireland. They have a distinct dialect derived from Scots. Many Ulster Scots moved on to the USA.
@@rossshepherd9836Iam from Liverpool which is an Irish city in the wrong country 😅 when visiting the Antrim coast many years ago I was driving down a country lane looking for the Giants causeway, I saw an old couple and pulled up to ask for directions..when I heard their accents I asked " Are you from Scotland " they glared at me and said " No we are local " before rushing off.
I started uni in 1998. Up until then, students had been given grants which did not require repayment. My year was the first to be charged tuition fees thanks to the Labour party, despite their mantra being 'education, education, and education'. I believe it was £1025 p.a., but the Conservatives took the ball and ran with it, and it is now something around £10k p.a. I studied French, which meant I only had 8 hours of lectures/seminars a week. It did NOT feel like good value for money. Charging £10k also has the knock-on effect of making the student feel -not unreasonably- like a customer, meaning that they can demand not to hear opinions with which they disagree. It's a fucking joke.
This, all this. Paying for further education was a big mistake policy that Labour introduced, but what made it worse is that they introduced it right then, no notice. If they had introduced a policy of, "we're going to introduce tuition fees for further education, but we're going to do in 20 years time", this would've given people a chance if planning a family to set up college funds for their children. Instead they lumped a huge pile of debt on a generation for paying back tuition fees, the same generation who are finding it hard now to maintain mortgage payments or even get on the housing ladder, this is also due to the fact that successive Labour and Tory goverments have let house prices spiral out of control, and not build more social housing. And what for, so Labour could build a clown show Domed Tent and Ferris Wheel in London and the Tory's could (half) build a fancy rail line to cheaper housing stock in the north (which us Northerns didn't want or need anyway) for the London centric governments to keep London happy. Eff them. /rant.
If youre talking about giving far right loons platforms to indoctrinate teenagers with far right hate speech then im glad most students have more sense not to enable this. Some of the best political movements clme from students as they still have morals
You don't pay student loans back if you earn below a certain amount.
Well done for identifying the Isle of Man. Considering the perception of the average American when it comes to geography, you were on point.
I’m from the England and honestly your rant on universities I am absolutely on board with. If I had a kid, I would advice not to go to university. My takeaway from with University is that I made good friends and that’s it. I took an animation course and got work as an animator and what I learnt in comparison (in the first 3 years) was minimal compared to what I learnt on my job. I honestly feel you could learn more from UA-cam videos these days than what you would get from University lectures or seminars.
The problem is so many companies only hire graduates. I did 3 years of computing, did a module on creative computing in my first year which lead to me really getting to graphic design and doing some freelance stuff, but couldn't change course due to it meaning starting from year 1 again (I didn't have enough years of student finance for this). Applied to a bunch of graphic design and web design roles after uni, had a few interviews that I felt went well, got complimented on my portfolio multiple times, but never got any of the jobs. It would always be, "we're really looking for a graduate" or "have you considered doing an apprenticeship/kickstart?". I was 25 at the time, so too old for the kickstart scheme, and I couldn't afford to live on apprenticeship wages either. I tried for a little while keeping up the freelance work, but I've just ended up doing shit jobs I have no passion for instead.
Overall I think if you want money fast and a decent amount of it, straight out of highschool go into a trades apprenticeship. University is still the best option if you want to go into a field where theory is important, or there are particular principles and such. Definitely agree with supplementing your learning with UA-cam and other platforms though.
The Bee Gees were born on the Isle Of Man.
Maternity leave is 12 months paid leave. Paternity leave is between 2-4 paid weeks depending who you work for.
When it comes to getting a degree, the numbers they showed was for a PHD which takes 4 years and will cost you no more the £39,500 as you pay a fix price for the year. In Wales it's half that and Scotland it's free. But the numbers they gave for the US was for community collage not University. To get a PHD in the US it'll cost you on around $100,000+ depending on the University as it takes 5-6 years.
Wouldn't have thought that, but you may well be right - to compare 4yr courses in both countries.
''EPIDURAL STEROID INJECTION procedure cash costs in Florida range between $688 and $1204 depending on the type of care facility.''
Why didn't you just move here a few months ago? I would say you are my relatives for $200!
When it comes to work a lot of my American colleagues are so much happier in the UK when it comes to work life balance, working here is more relaxed. For the short time I worked in the US I felt the difference quite dramatically, it makes me feel sorry for Americans because I don't think the attitude towards work there is for the better, I believe there should be more balance between both life and work.
A.k.a. "Work smarter, not harder" & "A happy worker is a productive worker".
You get more out of people when they're not exhausted, almost counter-intuitively.
Americans live to work, everywhere else work to live.
K&Q!
(&PB)
Great stuff guys! Cheers!
"You have to do something, it can be college, it can be trade school, it can be starting a business." - Queen Boomer is going to be such a good Dad.
I feel it is important to note that the education comparison sounds like it is definitely from the English perspective. Education in Scotland is free, or, in some instances, at the very least (more so in cases of postgraduate study) heavily subsidised; we have a tuition fee 'gift' (not to be repayed), and tuition loans (to be repayed and is more common for postgrad studies).
Average British is Muslim Indian & Black following close is Eastern Euiopeans the most common name in Britai is Muhammad google it
Welcome back QB! So glad you're back & on fighting form!
I never went to university, or higher education, I took an apprenticeship, so my employer paid my college fees and also paid me a wage, for four years. Apprenticeships went out of favour for a while, but are becoming more popular for obvious reasons for those that want to be skilled tradesmen.
As far as I'm aware, the debt that is built up, only has to be paid back in tax years that reach a certain level of earnings. Above that thresh-hold a set % is automatically deducted from wages, similar to taxes in P.A.Y.E. So those that benefit from the education in theory, pay some back.
At the end of the working life, the debt is dissolved even if not a penny is actually paid back, but to me it still seems like a burden to have to carry throughout most of life, when years ago it was just FREE.
The problem is every kid is told, to be a success, you need to go to uni, for any job. So instead of 10% of population most capable, going & having it paid for, every Tom, Dick & Harry, Sue as well, swamped the funding affordability, and with the high numbers the colleges got greedy.
Scotch-Irish is a very specific term referring to a migrant group of protestant settlers from Scotland to Northern Ireland in the C17 and their subsequent migration to the American colonies in the C18.
The university situation is crazy in uk you take a loan from government that covers your cost of study they also provide you with a maintenance loan which helps you pay for clothes accommodation etc that can vary in amounts depending on your parents income but in UK you only pay it back after you start earning over a certain amount even then you only pay for 30 years or it stops when you reach 65 then they write the remaining off
Whereas in the US, as I understand it, the minimum repayments can often be less than the interest on a student loan, so it can increase over time even if you're paying. Also it's nearly impossible to go bankrupt and have a student debt cleared, so being destitute won't make it go away. At least, that's based on a video I watched about the subject a few years back.
Life expectancy in the US is very low for a highly-developed country, due to the opioid epidemic, a high murder rate, high number of road accident deaths etc.
And that the number one killer of kids is firearms offences.
More likely underdeveloped
Maternity Leave - Eligible employees can take up to 52 weeks' maternity leave. The first 26 weeks is known as 'Ordinary Maternity Leave', the last 26 weeks as 'Additional Maternity Leave'. The earliest that leave can be taken is 11 weeks before the expected week of childbirth, unless the baby is born early.
Congrats to both of you on the new arrival!
Not been on your channel for a while. The last time I saw Queen Boomer, she was pregnant.
So a massive congratulations to you both on the birth of your baby daughter.
Wishing you and your family all the very best. 😊
We have smaller homes on average cause like you said, we’re a tiny island with a massive population. Japan has the same problem, although they really do put you in boxes over there
And yet everyone is apparently fine with mass immigration
Japan's population is reducing substantially due to its very low birthrate.
@@andrewq159its still densely populated, the next generation will be when the effects really show
UK we don't have to pay any of that money unless we earn over the threshold of 28k a year and then it's scaled and I believe if u don't pay it off after 35 years it's written off.
Smaller houses quicker to heat up lol , I like my little home it's cosy 😊
and quicker to clean!
Love yous guys. Huge HUGS from across the pond. 🇬🇧🇺🇸💜
Impressed that you could identify the Isle of Man! Great reaction KB+QB :)
In the UK you don’t get a student loan from a bank, it’s from the government. You only start paying off your student loans after you earn above a certain threshold. It’s also written off after 30 years.
Only 27% of university graduates pay off their student loans in full.
If you actually got a degree in finger painting, you’re probably never going to earn enough to pay it back. Unlike in the US with a bank loan.
So it’s a little bit of a misleading comparison.
16:16 Scotland has FREE tuition for Scottish residents, foreign students (including English) have to pay.
Edit: OK, so it mentions it at 23:48
Lovely to see the Queen 👑 back and congratulations . This is a bit of an oldie and inflation has probably altered some of the comparisons . Student loans only become payable when you start earning a certain amount and in Scotland it's free .
18:21 Degree in finger painting is wild...I have one of those
Took me 16 years to pay off my original uni student loan, it was deducted direct from my wages at 9% over a certain threshold, the threshold was very low. It's different now, so it depends when you studied what the terms are, but the fees are astronomical.
Yeah, as a Brit I travel a lot in Europe, Canada, Australia, New Zealand and the States. When I get home particularly after a longer trip it’s the house sizes I always notice. It comes down to space, the UK has a population size of 67 million people - and london has a population of 9.6 million. The whole of the UK land mass could fit into just the state of Texas nearly 3 times over! The entire population of New Zealand is 5.6 million less than London alone. So yes space is at a premium and we are squashed in. It’s mostly the case in cities and population centres, but not that many people particularly young people don’t really want to live far away from metropolitan areas as thats where the jobs are (that is a generalisation I’m sure lots choose not to). When I finished school, yes it was a given your parents expected you to go to College as for them it guaranteed a well paid job. My daughter has just started college but we really encouraged her to do a vocational course so she can do something employers need. I would be happy for my son who is still at school to learn a trade at trade school. The UK currently has a shortage of carpenters, my friend went back to college and trained as a carpenter and is now earning more than anyone I know. The difference in college tuition in the UK is their is no interest in the loans and the repayments are tied to your salary. So if you only ever worked the lowest paid jobs for your entire life you would never have to pay the loan back - which granted is a pretty silly thing to do, but it’s feasible. I went to college entirely for free, so did everyone until around 1991. I think it’s wrong, the future of your country is dependant on the education and skills of your citizens, we need well trained and well educated people - not a generation saddled with debt with useless degrees. The other thing, my father in law left school at 14 and was an electrician his whole life, my mother in law was a house wife and never worked (maybe a couple of part time jobs here and there in shops etc) - so traditional blue collar family, they own their own house, have always had two cars, always went on nice holidays and have no debt. To do that now, on one blue collar salaried job , and raise a family a no way, no chance, zilch. And yes, with each year i notice more and more fat people here, like really fat, obese fat, as a kid in the late 70s and 80s you never saw that many fat people - certainly rarely the size you see now more and more. I watched old film footage of a busy London in the 1950s - we could not spot a single fat person, literally everyone was slim, everyone- like normal human size!
The red bit is the isle of man. Good UK geography boomer. Welsh born and bred but I sound like a manc 😂
At preset in the UK anything up to 35-40 % are not earning apparently according to news polls
Saying Scotch Irish is going to annoy Scottish People,Scotch is an alcoholic drink , shouldn't be used to describe someone from Scotland ❤.
One thing you are missing re tuition fees, we don't pay them back until we are earning £20 000+ a year and it is a small percentage of earnings (6 - 9%). Once you retire the debt is wiped. After 25 or 30 years the debt is wiped (depending on the scheme) If you become permanently unfit to work it is wiped.
Welcome back, lady, queen and mom! Delighted that things have worked out for you guys.
Scotch Irish Is largerly Northern Ireland. Northern Ireland ultimately goes back to the Plantation of Ulster which was Scottish people settling in Ireland. James 1st, Son of Mary Queen of Scots, had claims to the throne in Scotland, England and Ireland. He obviously had England and Scotland (he was also James VI in England). So the plantation of Ulster i guess was his first steps into trying to get his Ireland. BTW he was the first of the Brtiish colonisers of the Americas, hence the Jamestown colony...
Scotch Irish is Northern Ireland, Northern Ireland’s ancestors came to Northern Ireland from Scotland. That’s why people from Northern Ireland sound more Scottish than they do to the rest of Ireland
The Uni/college fees in the UK are misleading as they are not paid back until you start earning a certain wage and are staggered the more you earn. Some people never pay off their student fees in the UK
In England we learn the story of the 3 little pigs at an early age, ;)
move your giant wooden house over to England, and see how you feel in the winter lol, and that's before you see how much it will take to heat it.
I would have liked the profession of a finger painter. Perhaps even a potato shape printer.
Great reactions again.
Yes it is the Isle of Man 🇮🇲 Hi 👋 glad to see the Queen is doing well ❤️ Also I think Scot’s Irish are the Protestants in Northern Ireland (who came via Scotland ) as opposed to the catholics who are Irish
Which is also strange considering the Scots were an Irish tribe from Ireland that invaded in around the 5th century.
Also hello to a Manx 🏴
3:00 - When I was at school and had to draw the British Isles in Geography, the teacher said "just remember it looks like a witch riding a pig, chasing a koala". It must have worked cuz I always remembered it lol!
That is so weird. Because Rolf Harris on kids tv used to draw the main bit as a kangaroo with his face and Ireland as a koala. He is an old Australian UK tv celebrity.
Not sure if Rolf Harris is the best person to use lol@@iwanttocomplain
I know, the less said about him the better@@iwanttocomplain
@@Thewingkongexchange I don’t think he’s a peado. I think the media is a peado.
In regards to maternity leave. In the UK you get 26 weeks to 52 weeks maternity leave. 26 weeks is known as Ordinary Maternity Leave. The 52 weeks is known as Additional Maternity Leave. The earliest you can take leave is 11 weeks before the baby is expected to arrive.
4:22 I’m English, in my thirties and I’ve never heard ‘Scotch-Irish’ lol
It's an American term
Student loans in the UK aren't repaid like traditional debt. It only takes 9% of your income if you are earning middle class wages usually over £28,000 per year and are mostly absolved after a number of years and hardly take a financial burden. The cost to study at university is £9,250 per year for a total of 3 years (this is your tuition fee) and a maintenance loan to cover your cost of living varies on your parents' income but maxes out at roughly £9,000 per year paid to you in three installments. Again, this is all paid back as a sort of '9% tax increase' after you graduate.
Healthcare is free, houses are small and expensive, and the law is greatly more forgiving (albeit the laws are similar, the sentences are greatly different).
Scotch-Irish refers to people descended from Ulster Protestants who originally came to Northern Ireland from Scotland.
The student debt thing for university in the UK needs explaining. In the old days the education was free for everyone and you might get a free grant for living expenses (means tested - if your parent were rich they had to contribute to the latter). The costs were borne through the taxes that everyone pays. This became thought of as unequitable as some people didn't get to go to university, although it was always posited that they and the country benefited as a whole, having qualified doctors, scientists lawyers etc. Nowadays you get a 'student loan' - this is firm a specific government sponsored lender, not a high street bank. Again the cash comes in two parts - a loan for the full cost of the education and a loan for living expenses, which is again means tested so parents may have to contribute. Although the final loan seems massive, you only pay it back once your earnings go over a certain threshold and it comes out of your pre-income tax salary through payroll - you do not have to write a cheque to a loanshark demanding cash with menaces, you never see it going. Also you have 25-30 years to pay it off, or to the age of 65, after which it is forgiven. So if you choose to study finger painting, you may never pay off the loan but no one will hold it against you and eventually it will be forgiven, unless you sell a painting for a million, in which case the Government will come looking for a percentage. If you study something that leads to a high earning career, like law, you will pay off the loan more quickly and probably won't ever notice.
Scotch-Irish Americans are American descendants of Ulster Protestants who emigrated from Ulster to America during the 18th and 19th centuries. Their ancestors had originally migrated to Ulster mainly from the Scottish Lowlands and Northern England in the 17th century.
Universities here in the UK make their money milking foreign students who come from wealthy families to study in the UK. Nowadays, universities are the UK's biggest export. Not only has it created a massive immigration problem, it has worsened the housing situation in the UK too. The only new properties that get built in any city is exclusively student accommodation. You can't live in them if you're not a student and you can't buy them unless you're a foreign investor who is a cash buyer. The British government for the last 13 years has asset stripped the country to line their own pockets. Now the country is fucked. The whole country is owned by Chinese and Middle Eastern investors who send their kids here for university.
That university UK number is very high. That’s for 1 year at 99% of UK universities as a British student. When my dad was at uni in the 90s he was paying £3000 a year tuition fee
That was the same for me too. I started uni in 2008 and it was only a few quid above £3,000 for the entirety of my degree. The increase to £9,000 a year was announced while I was still there, but it didn’t affect people who had already started, only freshers. If I was finishing up 6th form now, I would probably still go to uni, but I would definitely think harder about it than I did 15 years ago.
@@MJScrivens89 yeah I started uni this year... increasing to 9000 stopped people going to uni to do silly degrees. as the investment isnt worth it unless your doing STEM, Law, Medicine etc
I love the quibble over Scots Irish. Yes, the amount of US citizen's say Italian, Irish, Chinese American.
Colleges here are free - 'A' levels or traineeships in a trade (16-18yrs). Universities - degrees, are when the cost kicks in (18-21yrs).
Tuition fee rates are wrong. There are 2 rates separate for Domestic students and International students.
The rate is English students at English Universities.
NOTE: SCOTLAND sets its own laws on this.
Scottish students can get their University fees paid in the UK so ZERO.
English students attending Scottish Universities pay at most a Domestic rate of around £4k ($5k) per annum.
Some may even claim full fees paid!
So even for English students studying in Scotland it's cheaper
In the UK you are better of learning a trade .....
Polish Plumbers have been getting very wealthy while UK graduates hop from low payed job to low payed job ....
Scotch-Irish is actually an old American term for Ulster Protestants who are descendants of Scottish settlers in what is now Northern Ireland.
Scotch-Irish are Northern Irish Protestants, many (but not all) settled from Scotland to N. Ireland to displace Catholics
regarding house sizes the thing you have to remember is a lot of our housing dates back along time and even newer builds have to sit on streets hundreds of years old and remain in keeping with the local area. It is true our country is smaller but then so is the population. Ive travelled to u.s a few times and stayed in rented accomdation, particularly in florida so I can see the difference but being absolutely truthful it doesn't really impact quality of life at all we just have our layouts a little different.
universities over the last couple of decades have gotten ridiculous, so you're bang on the money there.
Scottish- Irish , yeah what nonsense where was just "irish"? I think the dude must have been smoking something weird .
British and proud, and also very proud of our friendship with the USA. 🇬🇧🇺🇸
Scotch-Irish Americans
American descendants of Ulster Scots
Not to be confused with Irish Scottish people or Ulster Scots people.
Scotch-Irish (or Scots-Irish) Americans are American descendants of Ulster Protestants who emigrated from Ulster (Ireland's northernmost province) to America during the 18th and 19th centuries. Their ancestors had originally migrated to Ulster mainly from the Scottish Lowlands and Northern England in the 17th century. In the 2017 American Community Survey, 5.39 million (1.7% of the population) reported Scottish ancestry, an additional 3 million (0.9% of the population) identified more specifically with Scotch-Irish ancestry, and many people who claim "American ancestry" may actually be of Scotch-Irish ancestry
Scotch-Irish Americans are descendants of the Ulster protestants who in turn are descended from the Scots who took over Ulster land during the plantations. There are far fewer than 5 million of them in Northern Ireland, so this includes a diaspora in the rest of the UK of people who emigrated whose ancestors did in recent history.
Scotch Irish is the Northern Ireland sector. Billie boys or Hill Billie's were Scottish migrants who ended up farming the border regions of N. Ireland. Some of course, later, migrated to America.
Scots and the Irish are related as the Scots originally come from ireland during the Dark Ages - so the DNA is virtually the same and comes under Q-Celtic as opposed to Welsh who are P-Celtic (P & Q is a reference to the respective language. Minding your Ps and Qs is a saying that originates from this). The original folk from Scotland are the Picts who also are related to the Irish.
Marriage rates - that's per year! You don't normally get married every year.... :o) It's not "0.45% of people are married", its "0.45% of people got married this year"
Just for information, all Education in Scotland is free no student fees, only England NI and Wales charges
Our parent leave is one year but you get paid £700 a month, it’s not full wage.
My wife did the first 3 months and i took the rest of the time off with the baby.
Thankfully back in work as off today and the children are in nursery now
Me, watching this video "It's the rate per year. Per year. PER YEAR. FUCKS SAKE! PERFUCKINGYEAR!!!" 😅
Me too. Without scale or units it's a load of bollocks
You should check out London "appartments" to rent for $4,000 plus a month. I say appartments. Most are one room with a small bathroom, no bath. Kitchenette in the living room which is also your bedroom!!! And you can touch each end of the room at the same time.
Great to see you both back, ❤ William UK
Statutory Maternity Pay (SMP)
SMP for eligible employees can be paid for up to 39 weeks, usually as follows:
the first 6 weeks: 90% of their average weekly earnings (AWE) before tax
the remaining 33 weeks: £172.48 or 90% of their AWE (whichever is lower)
2:33 - Welch?? 😂
You were both great on that one nothing wrong with having a good rant now and again .National insurance contributions are taken from everyone's wages by the government every week so your medical
costs are pre paid .In England prescriptions have a nominal fee on collection .in Scotland they are free at time of writing .
A few centuries ago many Scottish Protestants moved to Northern Ireland and settled there.
Congratulations to you pair of muppets, and welcome to the world princess Boomer. Wishing you and you're new family all the best. From Brum in the UK. hilarious you pair are, take care
Bere in mind that the uk has free collage until 20 years old
University is the next level
Sorry, one more comment - about tuition fees. I think you are so right! The numbers in this video are nuts.
My younger brother did a year of his undergraduate University College London computer science course at Texas A&M near Houston TX (it was fun visiting him!). I remember that he had to have $5,000 in his current account before they'd even let him into the country. Fortunately, he was on a scholarship so he didn't have to cover anything other than his living expenses because otherwise the tuition fees would have been (if I remember correctly) something like $15,000 - at least.
To be clear, that was in 1995!
The university thing in the UK was really not looked into by the video creator, as its done through the student loans company and often means that people who earn a lot more after pay more and those who earn less pay less, and even sometimes dont pay at all, as its written off after a certain amount of time has passed.
The anoying thing about the discrpency of who has to pay in the uk and who doesnt is that people from England end up having to pay for the other countries to get free or cheaper university fees and we have to pay the most, kind of discgusting and i have no idea why we stand for it and don't hold the government to account for it, as it is them who set the caps and run the student loans company, which is technically just a government based loans company.
Welcome back queenie . You’re looking fantastic .
19:35 when it comes to student loans, ours come from the a government scheme, and you don’t start paying them back until you start making a certain amount of money (I think it’s £22k a year now), and even then it’s a small percentage of that. Most of the time I’ve been working, my student loan repayments have been between £7 and £11 a month, and just like tax and pension it’s taken straight from my pay before it even gets to me.
As for our universities, I think we have it slightly easier than American colleges as we only have to study one subject, so it’s a lot more focused, and the modules/credits you need to pass are all there in front of you when the year starts.
I went to university and got grants to cover the costs. These didn’t start getting paid back until I started work and earn over a certain amount, and is a small % automatically paid on your payslip. If you don’t earn over that then you don’t pay anything and it’ll be written off if/when you die. You could stop working for years and the payments would stop until you start working again.
Work hours worldwide but especially in the US has skyrocketed over the years since that video's upload.
What they didn't say regarding repayment of student loans in England, you don't pay back anything until you earn over £27,295 a year, then you pay 9% of your income above this threshold.
Scotch-Irish probably refers to Ulster Scots. The origin of this group was the UK granting many Scots - mostly protestants from the Southwest - land in Ulster in Ireland,. The land was seized from Irish nobles who'd been forced out of Ireland as part of a planned colonisation effort in the 17th Century. Many of these people later emigrated to the US. I don't know if American stats also class people of mixed Scots-Irish ancestry (like me) as Scotch-Irish too, but Ulster Scots are a separate group entirely. Also that marriage rate is per year, not in total! I actually think marriage is getting more popular again, at least where I live.
Hi guys. Great to have the Queen back.
Scotch irish i think is to do that both have a similar surnames meaning over the centuries they moved between each other.
Good to see you Queen B. It's great to see you looking lovely as always. So pleased to hear that Princess Boomer is doing well also. ❤❤❤
Scotch Irish Is from Ulster and they get called Scots Irish due to the small distance between our shores and Scotland we intermixed for 1000s of years heavily from early raiding parties to the forming of alliances and then a shared Presbyterian heritage which led to persecution and leaving Ulster to live in the New World. There is a huge lot of history of these people in USA and Canada ie Davy Crockett, James Stewart, Andrew Jackson etc. Your Hill Billies were named after us being followers of King William / Billy.
The biggest average house size on Earth just swiched over from the US to Australia recently. I'm only guessing, but I think the student loan situation in the UK might be more similar to that of Australia. Just about all of the universities in Australia are funded by the government. You can choose to pay some or all of your tuition off up front and get a 25% immediate deduction on the cost. Otherwise you can agree to take out a loan provided by the government that is indexed to inflation, so you don't pay commercial bank rates (i.e. leading to commercial bank profits). The government then sets thresholds for how much is deducted from your salary when everyone graduates, along with the taxes they automatically collect on every pay run. You only start paying it back once your salary breaks a certain threshold and then it is only a single-digit percentage of your salary, so not so burdensome. If you never earn above the minimum threshold salary, then you get away without having to pay back a cent, however you still have to be mindful of the debt increasing constantly with inflation. I might be wrong, but at one stage you could also move overseas and the government couldn't come after their money. I know now that international taxation has changed for a lot of countries, who will try to own your soul, regardless of wherever you go, so this loop hole possibly no longer exists like it once did. If your parents have got the cash, 25% off and no debt is truly a bargain but if not, the loan system is do-able. I think hardly anyone baulks at tuition fees here. Another thing worth mentioning is that a significant number of students here qualify for substantial government assistance that is close to unemployment benefit payments, so a lot of people without a cent to their name can afford to study without having to take a part time job.
Stats are tricky - they say 6.4 people in 1000 got married - they don't state how many of the 1000 were already married, how many had been married and were now divorced or widowed and how many were below marrying age. They're not saying out of 1000 people only 6.4 are married at any one time!