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I'm not going to waste my time trying to change a mind made of breeze block Northwind. Bad quality, made with slave labor breezeblock.
It doesn't seem[i] that[/i] much to ask. I mean, you've got time for 2 posts of diversion and 1 of personal attacks, so one example shouldn't strain you.
Yeah I think the point is we need a balance of jobs available. You cant just decide that everyone will be a 'techie' computer genius from now on. We need a stable manufacturing marketplace that can compete with the EU but provide fair wages, a stable creative industry (we've pretty much got that and are world reknowned for that) stable farming, stable service, stable everything job industry. Difficult in a world where the cheapest bowl of rice is still yet to be discovered - mainly africa. But that is where you offer quality over quantity - something Britain used to offer in it's steel, vehicle and boat building industries but which was lost because Brain dead zombies like thatcher wanted us to be an entirely service based economy. Pseudo intellectual chickens who all got an A* in customer interaction exams, in a steel shed answering phones all day so that she and her family could go hunting, and so her son could fund his various world wide war campaigns.What you're doing is discouraging our current crop of students from competing with them
The point is we need to encourage and support our innovators, but provide opportunities to those who are suited to and want to be skilled labourers, or to have a craft. All our bloody school tests are utter nonesense if you ask me too.
Bad quality, slave labour made breeze block.It doesn't seem that much to ask. I mean, you've got time for 2 posts of diversion and 1 of personal attacks, so one example shouldn't strain you.
[quote=nukeproofriding ] [b]elderly people[/b] have their door kicked down by bailiffs for being a month late on their mortgage.
[quote=nukeproofriding ]
[b]Young families[/b] being effectively kicked out onto the street by paid thugs is medieval.
Thank goodness I'm middle aged then.
Edit: Oh no, I forgot. I've already paid off my mortgage.............
Look I didn't post to pick a fight with you, but you seem to love doing it. What do you want? A certificate? Not everyone is as rich in intellect or funds as you Druid... we simply can't all be as great as you. And are you seriously denying there is a nationwide problem with middle aged, well employed people being unable to afford their mortgage?Edit: Oh no, I forgot. I've already paid off my mortgage.............
Ah, so you're not going to waste the time backing up something you stated as a fact, but you are going to waste the time repeating your refusal? It'd be quicker just to give the example which you surely have, really.
I'm denying there's a spate of elderly people, young families (and now, apparently, middle aged folk too) having their doors kicked down by paid thugs and expelled onto the streets for the sake of having defaulted on a mortgage payment. There may be problems but making irrational, inflammatory and exaggerated claims about the scale of the problem is doing no one any good and marks you out as a bit of a loon.
^^^nukeproofing.... brilliant. not only do you ramble and abuse one guy you confuse the next for the first.
what is it with breeze blocks?
Money doesn't sit in bank vaults it's lent, out to others in the form of mortgages, business loans etc. I do laugh about all these "banks have my money" I'm nearly 50 and have never had more money in a bank than I have borrowed (ie mortgage), I have investments but they are not held by a bank. So the bank doesn't have my money I have theirs / somebody else's
I appreciate you think bankers are overpaid, so keep your money in a building society account. BTW there are lots of professions making good money including the civil service.
People only get evicted when they fall materially behind in their mortgage payments, as above the loan doesn't represent the banks money, it comes from a depositor - when you take a loan you are obliged to pay it back, I'd you don't the bank is going to come after you on behalf of the person who's money it is. This Is a bit of a simplification but it demonstrates the principle.
Yes we need a more diverse economy, let's start rebuilding it before we dismantle one of the existing sectors
nukeproof has a point
banks will allways be robbing bstards
theyve been caught out lately too, fixing libor rates, (not forgetting misselling PPI to millions)
http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/9371150/Libor-scandal-may-have-cost-families-their-homes.html
and now it seems the gas and electric companies are doing the same
not to mention the payday loan(shark) 'companies' that all of a sudden seem to be legitimate - Wongas APR is over 4000% and they have close contact with No.10
im sure i read in the last year that repossessions had started going down again from their peak just after the crash, but with the majority of government cuts still to be brought in and no signs of the recession ending more are on the way
[url= http://www.bbc.co.uk/news/business-19953938 ]record increases in people going to food banks for help[/url]
There's nothing wrong with Wonga, they have OAP puppets on there Ad's
nukeproofing made a good point [ post pub??] and used a bad example
I'm nearly 50 and have never had more money in a bank than I have borrowed (ie mortgage),
Every single person in the world except the fantastically wealthy say this and this is the problem - the money we are spending is not there and you are confusing the lending sector of banking and the speculative [gambling??]sector of banking
BTW there are lots of professions making good money including the civil service.
Are you really claiming the pay structures within the civil service are in some way comparable to the pay systems used within the banking sector- that is as daft as nukeproofings example. Pehpas you just want to throw some mud at the public sector and drag them into this debate as if civil servants caused this problem rather than banking and they are the overpaid self serving tossers with the large bonuses and the absence of moral fibre
The credit card companies I have cards with keep putting my limits up without being asked so they can't have learnt too much! I use them and transfer balance between them onto the 0% offers and pay them regularly but the amount I could spend on them is silly!
Loads of these payday loan shops have popped up recently in my town.. I dread to think what kind of debt people are running up for themselves. Yet I walk past them most days and they always seem busy.
There's even some hugely derided store called 'brighthouse' recently openned on the highstreet. I looked in the window and they had a Laptop that argos were selling for just over £300. I roughly worked out the repayments in my head and that laptop, which you could walk away with today without a deposit would cost you £1345 overall !!
I just dont get how peoples need for the latest fad can overide their basic grip of home finance.
[quote=elzorillo ]
I just dont get how peoples need for the latest fad can overide their basic grip of home finance.
It's a twin-pronged attack. You have the media glamourising the acquisition of goods, second properties, foreign holidays etc and then folk (like some of the above) shifting personal financial responsibility on to the money providers.
No need to call me a loon really. You are quite remarkably detached from reality aren't you? You may well want to make all your internet friends on this forum believe you live in an impenetrable middle class bubble, and I doubt you do - but there are people out there being forced to sell their house and move into rented accommodation if they can afford it, split their family and live with friends or live in a family shelter provided by a charity. That is happening. Right now. If you don't believe that then I'm just lost for words.I'm denying there's a spate of elderly people, young families (and now, apparently, middle aged folk too) having their doors kicked down by paid thugs and expelled onto the streets for the sake of having defaulted on a mortgage payment. There may be problems but making irrational, inflammatory and exaggerated claims about the scale of the problem is doing no one any good and marks you out as a bit of a loon.
Yes, sorry it was a terrible example.nukeproofing made a good point [ post pub??] and used a bad example
elzorillo - MemberI just dont get how peoples need for the latest fad can overide their basic grip of home finance.
If you look back a couple of pages it appears that finding ways of persuading people to do just that is one of our larger exports.
[quote=nukeproofriding ]No need to call me a loon really.It was meant as an indicator of how you are coming across on this thread. Whether you are, or aren't, I can't tell from this side of my PC.
For someone who has been on this forum for less than a week you seem to have formed a remarkably strong opinion about many of the posters. Me - middle class?You are quite remarkably detached from reality aren't you? You may well want to make all your internet friends on this forum believe you live in an impenetrable middle class bubble
[quote=Mostly Balanced ]If you look back a couple of pages it appears that finding ways of persuading people to do just that is one of our larger exports.
Where was that thread that popped up listing shops with 0% finance?
Why is this such a major sticking point? I'm not allowed to comment on a topic because i've been on the forum less than a week lol? What is this? The Bullingdon club?For someone who has been on this forum for less than a week
I think there are fair points to be made about individuals managing their finances poorly - getting dragged into things they can't afford, which is entirely their fault and as such they are at the mercy of their creditors. But there are larger nationwide issues that if solved would alleviate some of those problems. Even those who have a tight belt on their finances and don't spend on extravagances - but don't have cushy jobs are being squeezed more than ever. Meanwhile small businesses are paying ever higher tax and vat rates, higher rental bills for their premises and Phillip Green is jetting around monaco paying a fraction of the tax percentage that a small british business does. Their gas and electricity bills are going up, fuel's ridiculously expensive, many of them are still suffering from the previous banking generations colossal cock up with mortgages that went rotten and a subsequent price hike in apr. And all the time they are expected to work harder, for less.
The banks need to lend more to individuals and sensible businesses with a fair rate of return that ensures that they cover their wages and costs, but not billions of profit. Our country cannot survive on an entirely banking based economy, but we're supposed to be grateful that they're here. The fact is they need us as much as we need them, and they aren't going to disappear anytime soon, regardless of whether they pay their fare share of tax. This is especially true when foreign baking marketplaces are growing larger than our own, and do it with less risk. Their gambling divisions need to be put on a leash, and their 'bonuses' need to be based on performance and the stability of the countries economy they mine for profit. If they **** up, they **** up and it's at their own cost - not ours.
[quote=nukeproofriding ]>For someone who has been on this forum for less than a week
Why is this such a major sticking point? I'm not allowed to comment on a topic because i've been on the forum less than a week lol?
That wasn't my point though, was it?
@junkyard - banks have got into trouble because of bad lending not this "gambling" nonesense, HBOS, Northern Rock, Alliance and Leicester, Bradford and Bingley - these banks only have retail and commercial arms - they don't do "gambling". RBS bought ABN Amro at an inflated price (ABN had done lots of bad lending) - none of these failure have anything tondo with "gambling".
@nukeproof - banks lent too much, they need to lend less - this is the painful reality. On situations like Phillip Green or more accurately his wife, is agree totally they (legally) avoided £500m in uk tax, the rules need to be changed.
Wonder why construction is doing so badly? The only other person I know in construction is run off their feet and can't cope with the workload coming in (winning 30-40% of bids, normally win 5-15%). All of the engineering/manufacturing firms I deal with through work are run off their feet at the moment and quoting 3-6week lead times when just 6 months ago they were quoting 1 week. Seems like things are on the up in my current sector?
I'm led to believe that there are lots of openings for thugs. Essential skills include kicking doors in and throwing folk out onto the streets. Being able to do this without attracting any attention from neighbours or the media will be taken into account during the selection process.
nukeproofriding in 'not being new' shocker....
You're going to have to clear this up for me because I genuinely have no idea what you are talking about..nukeproofriding in 'not being new' shocker....
re. the uni thing. would it not be better if more kids were to learn on the job ........ she finished her english and editorial degree with top marks.
...OR go for a degree in some thing that the country and its employers/businesses actually need. Three years wasted IMO in too many peoples cases.
Hmm 5 pages in and we wonder if nukeproof has been here before with a different name. Honestly jumping in with a massive rant post is like walking into a random pub and kicking off. Ie not clever.
Hmm 5 pages in and we wonder if nukeproof has been here before with a different name. Honestly jumping in with a massive rant post is like walking into a random pub and kicking off. Ie not clever.
I didn't think it was that 'ranty'. I just posted my opinion for pete's sake. And unless anyone can prove it I suggest you stop accusing me of being someone else because it's beginning to do my head in, and it's not on topic.
we've been in recession every decade since the 70's. the financial system we have doesn't work for us, but it definitely works for someone. lots of people do very well out of other people being in debt, thank you very much. if anyone thinks it is this way for any other reason is kidding themselves.
I didn't think it was that 'ranty'. I just posted my opinion for pete's sake. And unless anyone can prove it I suggest you stop accusing me of being someone else because it's beginning to do my head in, and it's not on topic.
just ignore it and carry on, i occasionally am accused of being some other previous poster --- i suppose if you steam into a thread/forum full throttle it seems to upset the status quo, so some people get very uppity if you haven't 'served your time' and shown due diligence !