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Everything posted by gilf

  1. This was the thing for me, I voted leave because I think the EU is bad for most of Europe, great for the Germans and French, possibly the UK ultimately but it's going to be a long term failure in the longer term. For me it was better to get out now and go our own way and possibly succeed rather than be dragged down in to a long drawn out death of the EU, the fact we are not in the Euro is a massive blessing as it means we at least have the power to make it on our own fiscal decisions. The shorttermism of most remainers with regards to sterling and noises from big business only demonstrate to me that these people have no vision, ambition or spirit, they are happy to be subservient sheep in a corrupt system that is totally designed to further increase the divide between rich and poor and is totally there for the benefit of business and not the people. Any demise of the UK is because of this sort of attitude over the longer term.
  2. Millenium bug was a complete non-story (to be fair mainly due to the efforts of the computer industry at the time). This will be a bumpy road, BUT it will not bring about armageddon and it will all be fine come the end. The bigger story will be the break down of the EU, this of course being the first step along that path.
  3. You need to learn to read... In January 2013 The promise of a referendum was there, whether the Conservatives were able to deliver it rested in 2015, but you can't say that it was not on the table.
  4. Yes, tempted to keep a list of all the people on Facebook who have mentioned they are thinking of leaving the UK and then emailing them in a year asking why they are still here.
  5. And no doubt you will have Bob Geldof going up and down Loch Ness in a boat.
  6. Don't blame us for the Scottish electorate not checking their facts. Scottish referendum was 2014 which if I'm correct is after 2013. In January 2013, British Prime Minister David Cameron promised that, should his Conservative Party win a parliamentary majority at the 2015 general election, the UK Government would negotiate more favourable arrangements for continuing British membership of the EU, before holding a referendum as to whether the UK should remain in or leave the EU.[15] In May 2013, the Conservative Party published a draft EU Referendum Bill and outlined their plans for renegotiation and then an In-Out vote if returned to office in 2015.[16] The draft Bill stated that the referendum must be held no later than 31 December 2017.[17] https://en.wikipedia.org/wiki/United_Kingdom_European_Union_membership_referendum,_2016
  7. No we are not, we just know you voted to stay in. Tough shit, "you" should have thought about the consequences.
  8. If you accept the EU result, which you must do to use it as a basis for a new vote, then you have to accept the Scottish referendum which was even more favour of UK membership. You won't be getting one any time soon, simple as that.
  9. Simple answer as mentioned by others is simply job prospects. For the industry I'm in and specifically my skill set it's very difficult to find work elsewhere in the country or more importantly nothing like in the concentration I can in London. I have often looked and it's chalk and cheese to be honest, 2 jobs in a major city in the North or 200+ jobs in London (literally just did the search and even then the jobs in the north were 'best fit' rather than specifically my skills). Obviously more candidates in London, but equally more turn over and opportunities. Equally the numbers don't stack up, the few jobs there are don't pay anything like enough to make it viable. While there is no such thing as job security these days being based in London is about as good as it gets. I did live away for a while, but the job I had was literally the only opportunity I had to work with my experience and skills, had that job folded (which it did a few years after I left) then that was it, effectively no job for me. Regardless of all that I love London, born and raised and financially more than capable of coping with a decent standard of living.
  10. Ignore the SNP portion, I'd agree comparing those is misleading at best. However LIB/GREEN/PC have 12 seats between them for less share of the vote combined compared with 1 for UKIP.
  11. Yeah that was really the root of my comment with regard to dammed if they did and dammed if they didn't. They could have formed a coalition with Labour (although a much weaker one and would have to have included other). As you say a party split internally, had they gone with Labour they would have been in a similar position now IMO.
  12. 1 : The creation of New Labour, the party was unelectable under Kinnock and so they decided to throw the baby out with the bath water and forego their socialist principles (to be fair this was after Kinnock had left and the sad passing of John Smith). It just took a couple of parliaments for the working classes to realise the name Labour and the red ties represented something completely different to what it did in the past. 2 : The Lib Dems grab for power and going in to coalition, I know that seems simplistic but I don't think it mattered one bit about what they actually did once in the coalition, the damage was done the second they went in to it. They were between a rock and hard place, dammed if they did and dammed if they didn't. They were talking this morning on BBC that it could take a generation to recover, personally I think it has completely and totally destroyed the party and will never recover.
  13. Only you know them, I would have no issue taking something from my parents for example as I have known them all my life, know their ethics and would be very comfortable that they would be doing so for my benefit and wouldn't do so if it meant they were less secure in the process. The fact it's a loan and they want it back with regular payments would be the issue for me. I'm not saying they shouldn't expect it back but the you never know what's around the corner and the fact they are expecting it back means they can see a time when it will be required. Personally I think you have made the right choice.
  14. Update on my house, finally completed on Friday.
  15. Mid 2005 was the tipping point here, everything was set up for repossessions and return to normality, the government bottled it and set the standard for the next god knows how many years. Decided at that point that the government of the day will do pretty much everything to keep people in their houses, if you can't beat them join them.
  16. I suspect that's because they don't actually mention any specific loans. The adverts are just advertising the website and about how easy/quick the service is. The second they mention a load amount then they have to show all the specific terms and conditions for that loan, including the APR is a specific font size. Everybody now knows what Wonger offer on their site, they don't need to bang on about specific financial products, just the fact they exist.
  17. Possible, but unlikely to be successful in my opinion. The longer something has been on the market the more likely the landlord is going to be wanting to recover the losses they have been incurring. The worst that can happen is they say no.
  18. The issue with space is the terrible planning laws, there isn't really that much space available to build on, but that is taken as there isn't much land. I sometimes wonder if people travel more than 5 miles from their house, there is loads and loads of space in this country. Obviously there are plenty of other issues, you need infrastructure and services etc, but that is not a space issue. But even so, I'm sure I could identify loads of places locally in London going to waste space wise, plenty of room in my opinion to stick in a number of nice sized blocks of flats.
  19. Not that I think people care on my specific situation but it's relevant to the point in hand Update : Now had another offer of full asking price.
  20. Well to be fair this place is hardly full of people with property to sell. Just accepted and offer on mine, South East London/Kent Border. On for £259,995 so obviously priced to sell at £250,000. Had loads of viewings the first week, second weekend had 3 second viewings and load more first. One offer at £245,000 which was rejected, another offer from somebody else at £250,000 which was accepted. Knowing the shocking state of the housing market won't be counting chickens until the money is in my account, but regardless seems the market here is still going strong. I only purchased in 2010, selling due to divorce. We paid £228,000 did a fair bit of cosmetic work but on a very small budget, only spent £1-2K and a majority of that was replacing the celling in the living/dinning room and replastering the walls. I would have said had it been in the state it is currently then it may well have got £250,000 back in 2011. Comparing local prices is very difficult as the the house has been extended massively, equally many of the others have, some more so, some less so which means there is a broad range of prices for that postcode even though they all look very similar. This is the house... http://www.rightmove.co.uk/property-for-sale/property-27743418.html
  21. Basically it's not going to happen, if you have a mortgage on the property then the bank will have a charge on it, meaning essentially if the mortgage payments stop they can gain possession regardless of what you put in. If you are buying it jointly, i.e. both names on the deeds, then you will both be jointly liable for any mortgage. You won't be able to ring fence your money if you get a bank involved, they are lending you money on the property and their fall back is to sell that property if she doesn't keep her side of the deal, they won't be able to do that if you won't sell. Long story short she will never get a mortgage from the bank in the situation above.
  22. - older but paid for straight away £250 It has a door I can open, a seat to sit on, a steering wheel and an acceleration pedal. Beyond that I can't think there is much a £10k car is going to be giving me that I need over and above that. Although pays to know a good and honest mechanic (if they are cheap to boot all the better).
  23. That's what happens now. A friend who move to the UK from Poland has found it very difficult to get any sort of credit. The problem with your local bank manager these days is that there are none. My local bank closed years ago and even though there is a branch not too far away, it's part of a ground of banks all managed from the main in that group of 3 (i.e. not the one that's closest). The point being that the "manager" is responsible for thousands of customers, it would be impossible to have a personal relationship with all of them so he has to go "by the numbers". I have had an account with the same bank for 20 years, not once have I had cause to see the manager. I know it's harsh but I'm more than happy that somebody would be refused an overdraft if they have a history of poor credit. No offence to the OP, but if we want to return to reality then that's what needs to happen.
  24. And an utterly dismissive attitude amazes me. Apple had fixed on an i prefix for their devices and the term pad have been used by them in the past, I can't see how you can claim apple have copied LG, when the name iPad is a logical extension of what Apple had been doing for years before. While the newton is a PDA, it was totally different to pretty much anything else on the market. If you want to get technical about it all the term PDA was first used by John Sculley CEO of apple in 1992. Call me a fan boy if you like, I have apple products where I think they are best suited to my requirements and plenty of non-apple products where they are not.
  25. ...and from 1993: I present to you, the apple Newton http://en.wikipedia.org/wiki/Newton_(platform) I'm not saying Apple invented the tablet, just saying they were in the innovation game when it came to small form portable computers. With regard to the name, they might have used the iPad name, but the first Newtons were called MessagePad, so the Pad part is theirs and the iMac came out in 1998, so to be fair they were the first to stick an i in front of anything. I'd say the iPad you linked to is the one that copied.
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