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Snugglybear

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  1. And has spent years researching the rules and regulations of the EU. He's a Brexiter, always has been, and is in favour of a concept called 'Flexcit' (http://www.eureferendum.com/documents/flexcit.pdf if you're interested) because he sees it as the only practical way for the UK to leave the EU and not destroy itself. He knows perfectly well that a hard / no deal Brexit will be a disaster.
  2. The 2014 price (£569,000) is listed under 78a Coniston Road, and the 2017 price (£360,000) is under 78b Coniston Road. However, the description under 'Key Features' is identical, down to the spelling mistake (Recepption). Is it possible that the listing has been cocked up? 78a is evidently the ground floor flat and has a cellar, deck and garden. There's been a flat 78b since at least 2003 (sold price £161,000 that year) and a 78c was sold on 14/04/2011 for £388,000. 78c has been a flat since at least 1999. So I suspect the first floor is split into two very small flats. Note, the description of 78c in the Rightmove sold prices is once more identical, down to the spelling error.
  3. A paragraph from the Grauniad story on this - my bolding: "The couple have found themselves in this position after remortgaging with an eight-year interest-only mortgage of £178,500 in late 2007. Santander said the couple had originally agreed that when the loan ended in December 2015, they would sell the property in order to raise the funds to pay back the capital, but shortly before that date the Fitzgeralds got in touch to say they wanted to extend the term. Santander rejected this request on the grounds of their age and “affordability factors”, and they were advised to seek financial advice." This being the case, it's hardly surprising that the Financial Ombudsman ruled in favour of Santander. One thing that I find intriguing... The sum owed is reported to be £180,000, and the current value of the property is supposedly £250,000. Does Santander want its money back now because it fears it won't get the entire sum back if it has to wait until they shuffle off their mortal coils? As well as the possibility of them not maintaining the place properly as they get older and thus reducing its value, does Santander fear a general downturn in house prices?
  4. An anecdote, but telling: On 26th April Dominic Grieve, Tory MP, said in a Commons debate on Customs and Borders "Why is it that the deputy ambassador of Japan has us all in and says, “You do realise that every Japanese company will be gone in 10 years’ time if they cannot have frictionless trade into the European Union.”" Hansard https://hansard.parliament.uk/Commons/2018-04-26/debates/090B0080-E56F-40F3-867A-41D46C14C7AF/CustomsAndBorders#contribution-F5697616-1063-45AF-87FB-1A733D083CE5
  5. Well, no, there wouldn't be any mentions of "customs" and the mentions of "border" likely weren't relevant. You know, given that the agreement was predicated on the two states being members of a single market, with freedom of movement for goods and people. Do you really need reminding that this situation will, if the current UK government has its way, end?
  6. San Marino (et al - Andorra, Liechtenstein, Monaco) are, as the Wikipedia page linked to notes, microstates. They are, for all that, sovereign states. Northern Ireland is not a sovereign state, it is part of the UK. Ask the party currently propping up the Government. Also, the microstates have special arrangements because of their small size. The largest, Andorra, has a population of 78,115. The 2011 Census put the population of Northern Ireland at 1,810,863. NI won't be getting any special treatment on those grounds.
  7. Snugglybear

    The Great BIG redundancy thread!

    If your contractual redundancy package is generous, the company would no doubt prefer you to get fed up and beetle off of your own accord. If it were to go bust, though, remember that you wouldn't get all that much. The Government helpfully provides details here https://www.gov.uk/your-rights-if-your-employer-is-insolvent/claiming-money-owed-to-you
  8. Snugglybear

    A Goodbye To All That Buy To Let

    It would be nice to think that HMRC will be going after tax-dodging landlords, but the department really doesn't have the capacity to do anything about most of them, currently. http://www.bbc.co.uk/news/uk-politics-42656739
  9. The Daily Mail is and has always been pro Leave. The Mail on Sunday is and always has been pro Remain. I'm presuming it's because the reader demographics differ significantly. Or that the editors loathe each other. Or both.
  10. The duplication will actually happen after Brexit. And the moment, the MHRA and the EMA work together.* After Brexit, the EMA will license new medicines for the EU. Another body, possibly the MHRA, will have to license them for the UK Thus duplicating the work. *From the MHRA website: "Most new types of medicine are licensed by EMA, to ensure that it is available to, and used in the same way, across all the member states of the European Union (EU). The breast cancer treatment Herceptin and the antiviral medicine Tamiflu are some examples. Any medicine licensed by the EMA is valid across all EU member states whereas a licence issued by the MHRA is valid in the UK only."
  11. Snugglybear

    The Big Jolly Santa Christmas Sales Thread

    Boots normally have one "glass of fizz, extra points" Christmas shopping evening in my city. So far this year they've had two. The fizz was drinkable and the points were very welcome, particularly considering I got them for buying toilet paper, soap and plasters etc to restock the first aid box i.e. things I would have bought anyway.
  12. Doesn't it depend on the exact financial order in that particular divorce? That usually specifies what percentage of the equity each partner should receive once the house has to be sold. But a percentage of any uplift in value is still money for doing naff all.
  13. Indeed. https://www.theguardian.com/world/2017/oct/08/uk-trade-department-draws-half-its-secondees-from-arms-industry "UK trade department draws half its secondees from arms industry"
  14. I s'pose, unless, as is likely, Northern Ireland becomes a powder keg once more and riots start on the mainland. Oh, and since 2011, the majority of Terrorism Prevention and Investigation Measures and their predecessors, Control Orders, have been issued against British Citizens (see newly published Parliamentary Briefing Paper http://researchbriefings.files.parliament.uk/documents/CBP-7613/CBP-7613.pdf)
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