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Compel wrote: Spain also need to be careful about Gibraltar as anything there could be turned back against them when it comes to Ceuta.
Perhaps, but then Spain aren't planning on leaving the EU which might force the issue.
"Because while the truncheon may be used in lieu of conversation, words will always retain their power. Words offer the means to meaning, and for those who will listen, the enunciation of truth. And the truth is, there is something terribly wrong with this country, isn't there? Cruelty and injustice, intolerance and oppression. And where once you had the freedom to object, to think and speak as you saw fit, you now have censors and systems of surveillance coercing your conformity and soliciting your submission. How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror. " - V
I've just supported the Permanent European Union Citizenship initiative. Please do the same and spread the word!
"It's not a problem if you don't look up." - Dakka's approach to politics
welshhoppo wrote: Nope, but it looks like Catalonia might be leaving Spain at this rate.
None of the major regional parties want to leave. It really only needs a rejig of the Spanish constitution to give Catalonia the autonomy it had before Franco.
Da krimson barun wrote: The conflict will not resume. The arsenal of the PIRA was destroyed.
The so-called "Republican paramilitaries" remaining have little capability to do anything more then then kneecap people. Since last march the only successful op they pulled off(between drug smuggling) against crown forces, was the death of one prison officer.
Power-sharing HAS failed. The DUP cannot be dealt with. Every party in the assembly wanted Arlene removed to investigate cash for ash. She did not. Personally I believe a sullen acceptance of the status-quo will have to happen, unless Unionists stop voting in thieves like Arlene and pick another party.
Did anyone surrender the Barrett sniper rifles used to shoot British troops? No. Funny that stuff like that never gets mentioned. They've kept the best stuff, and there's probably a lot more weapons stashed away, don't kid yourself they're toothless.
This message was edited 2 times. Last update was at 2017/01/14 21:39:38
Da krimson barun wrote: The conflict will not resume. The arsenal of the PIRA was destroyed.
The so-called "Republican paramilitaries" remaining have little capability to do anything more then then kneecap people. Since last march the only successful op they pulled off(between drug smuggling) against crown forces, was the death of one prison officer.
Power-sharing HAS failed. The DUP cannot be dealt with. Every party in the assembly wanted Arlene removed to investigate cash for ash. She did not. Personally I believe a sullen acceptance of the status-quo will have to happen, unless Unionists stop voting in thieves like Arlene and pick another party.
Did anyone surrender the Barrett sniper rifles used to shoot British troops? No. Funny that stuff like that never gets mentioned. They've kept the best stuff, and there's probably a lot more weapons stashed away, don't kid yourself they're toothless.
Plus, aren't the IRA pretty good at gun smuggling? Even if they don't have a big arsenal now, they probably have the means to replenish it in future.
Da krimson barun wrote: The conflict will not resume. The arsenal of the PIRA was destroyed.
The so-called "Republican paramilitaries" remaining have little capability to do anything more then then kneecap people. Since last march the only successful op they pulled off(between drug smuggling) against crown forces, was the death of one prison officer.
Power-sharing HAS failed. The DUP cannot be dealt with. Every party in the assembly wanted Arlene removed to investigate cash for ash. She did not. Personally I believe a sullen acceptance of the status-quo will have to happen, unless Unionists stop voting in thieves like Arlene and pick another party.
Did anyone surrender the Barrett sniper rifles used to shoot British troops? No. Funny that stuff like that never gets mentioned. They've kept the best stuff, and there's probably a lot more weapons stashed away, don't kid yourself they're toothless.
Two sniper rifles with no trained gunmen, that may even be in the hands of dissidents, sold to FARC does not an insurgency make. Nobody would join them after seeing how men like Gerry Bradley were treated.
And importing arms is almost impossible in this day and age with the extra surveillance. A few handguns maybe but they don't have Libya around anymore to throw guns at the boys. The Americans won't be pouring in money...No. unless Arlene is caught running the UVF, the war is over.
Kote!
Kandosii sa ka'rte, vode an.
Coruscanta a'den mhi, vode an.
Bal kote,Darasuum kote,
Jorso'ran kando a tome.
Sa kyr'am nau tracyn kad vode an.
Bal...
Motir ca'tra nau tracinya.
Gra'tua cuun hett su dralshy'a.
Aruetyc talyc runi'la trattok'a.
Sa kyr'am nau tracyn kad, vode an!
"Because while the truncheon may be used in lieu of conversation, words will always retain their power. Words offer the means to meaning, and for those who will listen, the enunciation of truth. And the truth is, there is something terribly wrong with this country, isn't there? Cruelty and injustice, intolerance and oppression. And where once you had the freedom to object, to think and speak as you saw fit, you now have censors and systems of surveillance coercing your conformity and soliciting your submission. How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror. " - V
I've just supported the Permanent European Union Citizenship initiative. Please do the same and spread the word!
"It's not a problem if you don't look up." - Dakka's approach to politics
The poor man really has a stake in the country. The rich man hasn't; he can go away to New Guinea in a yacht. The poor have sometimes objected to being governed badly; the rich have always objected to being governed at all
We love our superheroes because they refuse to give up on us. We can analyze them out of existence, kill them, ban them, mock them, and still they return, patiently reminding us of who we are and what we wish we could be.
"the play's the thing wherein I'll catch the conscience of the king,
I can also conclusively say that although May would like everyone to fall in behind her.
"She will also use the address to appeal for unity after six months of bitter recriminations between pro- and anti-EU factions. She will plead for an end to insults, the Press Association reports, as well as the divisive terminology of “leavers” and “remainers”, and call on both sides to come together to make a successful future for Britain outside the EU."
I can confirm that for myself she has f* all chance of me not continuing to fight the good fight for rejoining and staying in the EU!
This message was edited 1 time. Last update was at 2017/01/15 10:53:58
"Because while the truncheon may be used in lieu of conversation, words will always retain their power. Words offer the means to meaning, and for those who will listen, the enunciation of truth. And the truth is, there is something terribly wrong with this country, isn't there? Cruelty and injustice, intolerance and oppression. And where once you had the freedom to object, to think and speak as you saw fit, you now have censors and systems of surveillance coercing your conformity and soliciting your submission. How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror. " - V
I've just supported the Permanent European Union Citizenship initiative. Please do the same and spread the word!
"It's not a problem if you don't look up." - Dakka's approach to politics
Hard Brexit, if it happens, is likely to play merry bollocks with our economy in the short term, possibly the mid-term, and potentially the long term.
Which means the man in the street is going to have less money, and possibly greater redundancy.
But here's a sneaky top tip from Mad Doc Grotsnik. I'm going to take a liberty and assume you've all heard about PPI, yes? Arguably the biggest banking scandal the U.K. has ever seen?
Well, PPI is going to make the next recession far, far worse.
Why? Mortgage PPI. On the surface, it's a wonderful thing to have. If you're made redundant or have illness/accident related time off work, most Mortgage PPI policies will pay your mortgage for at least 12 months, and various policies offer much more extensive cover.
Now when you consider your home is pretty much the biggest thing you're ever going to buy, protecting your repayments for a fairly nominal sum seems a good idea, yes?
Except thanks to endless TV adverts, internet forced redirects, cold calls etc, the general perception is that PPI is inherently worthless. And that's given me a helluva a career change, and one I'm doing very well at.
And it's lead to record complaints against banks, brokers and building society about the policies sold. And every complaint, whether upheld or not upheld, also leads to the immediate cancellation of Mortgage and Credit Card PPI.
Now, lets fast forward to a hypothetical recession, yes? That's more people losing their jobs through redundancy. And fewer jobs out there to replace that income stream. Boy, wouldn't it be handy if you'd taken out some sort of insurance for that contingency to keep the roof over your head!
You did. But you cancelled it? Oh dear. Oh dear oh dear. That's immediately put you 12 months closer to dreaded repossession...
Rinse and repeat thousands of times....(possibly, genuinely, hundreds of thousands of times). Well.....poop. That's not good, that's not good at all. Hundreds of thousands of homes now at real risk of repossession?
Then view it through the following lens.
Those statistically most likely to make a PPI complaint aren't your high earners. It's far more likely to be a 'probably getting by, perhaps a bit too much on credit' average person. That's why they're making the complaints. The TV promise of thousands of pounds back is just too tempting. But it's also likely to be the same people with dodgy mortgages, those with ridiculous interest rates and high repayments. AKA those most exposed to market risk.
So what's this tip? If you're looking at buying soon, please hold your horses. Keep adding to your deposit savings by all means - nobody was ever hurt by a larger deposit. But I'd say now may not be the best time to buy.
Hold off. See what happens. If/when the economy tanks, there's an excellent chance the housing market is going to collapse - simply because people have willingly ditched any and all protection for their repayments. Hold that nerve, and you may find yourself paying a distinctly 'not actually completely insane' price for your new home.
Fed up of Scalpers? But still want your Exclusives? Why not join us?
Columbia Pictures presents in association with Pinewood Studios:
Hard Brexit (1976)
Starring: Michael Caine, Gordon Jackson, Ian Ogilvy, Helen Mirren, Max Von Sydow, and Lewis Collins.
Director: Michael Winner
Disgraced ex-MI6 Agent Jack McJack (Caine) faces a race against time to foil evil EU agents under the control of Professor Juncker (Von Sydow) who have kidnapped Mcjack's son, forcing him to implement a dark conspiracy against the forces of Blighty: the destruction of England's vast Tea reserves...
With time running out, an old flame returning from the past (Mirren) and a former friend turned EU agent (Ogilvy) pushing McJack to the limit, McJack must break every rule in the book in this roller coaster ride...
"Our crops will wither, our children will die piteous
deaths and the sun will be swept from the sky. But is it true?" - Tom Kirby, CEO, Games Workshop Ltd
.One fears, alas, that it'd be closer to a " Carry on..." or even worse ( yes, that is possible) " Confessions of ..." type affair.
The poor man really has a stake in the country. The rich man hasn't; he can go away to New Guinea in a yacht. The poor have sometimes objected to being governed badly; the rich have always objected to being governed at all
We love our superheroes because they refuse to give up on us. We can analyze them out of existence, kill them, ban them, mock them, and still they return, patiently reminding us of who we are and what we wish we could be.
"the play's the thing wherein I'll catch the conscience of the king,
reds8n wrote: .One fears, alas, that it'd be closer to a " Carry on..." or even worse ( yes, that is possible) " Confessions of ..." type affair.
And this is likely where Labour will be
"Because while the truncheon may be used in lieu of conversation, words will always retain their power. Words offer the means to meaning, and for those who will listen, the enunciation of truth. And the truth is, there is something terribly wrong with this country, isn't there? Cruelty and injustice, intolerance and oppression. And where once you had the freedom to object, to think and speak as you saw fit, you now have censors and systems of surveillance coercing your conformity and soliciting your submission. How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror. " - V
I've just supported the Permanent European Union Citizenship initiative. Please do the same and spread the word!
"It's not a problem if you don't look up." - Dakka's approach to politics
reds8n wrote: .One fears, alas, that it'd be closer to a " Carry on..." or even worse ( yes, that is possible) " Confessions of ..." type affair.
I don't know if you're familiar with Caine's work, but he did churn out a few bad spy films back in the 1970s, and Hard Brexit sounds like something he would put his name to.
"Our crops will wither, our children will die piteous
deaths and the sun will be swept from the sky. But is it true?" - Tom Kirby, CEO, Games Workshop Ltd
I can confirm that for myself she has f* all chance of me not continuing to fight the good fight for rejoining and staying in the EU!
With all due respect Whirlwind, I think in your case, Jesus himself descending from heaven and promising a bright future outside the EU would result in nothing more than an extended argument on the subject.
Then again, I'm just as sceptical and argumentative about...well, most things really, so I probably shouldn't say anything....
This message was edited 1 time. Last update was at 2017/01/15 13:10:05
With all due respect Whirlwind, I think in your case, Jesus himself descending from heaven and promising a bright future outside the EU would result in nothing more than an extended argument on the subject.
. Sorry Ketara you're mistaken. We wouldn't even get to the EU argument. I would be arguing why the person thought they were Jesus in the first place and where the evidence was that they came from heaven?
Anyone want to place bets on how low the £ might go this week after May's statement?
This message was edited 1 time. Last update was at 2017/01/15 13:12:00
"Because while the truncheon may be used in lieu of conversation, words will always retain their power. Words offer the means to meaning, and for those who will listen, the enunciation of truth. And the truth is, there is something terribly wrong with this country, isn't there? Cruelty and injustice, intolerance and oppression. And where once you had the freedom to object, to think and speak as you saw fit, you now have censors and systems of surveillance coercing your conformity and soliciting your submission. How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror. " - V
I've just supported the Permanent European Union Citizenship initiative. Please do the same and spread the word!
"It's not a problem if you don't look up." - Dakka's approach to politics
I can confirm that for myself she has f* all chance of me not continuing to fight the good fight for rejoining and staying in the EU!
With all due respect Whirlwind, I think in your case, Jesus himself descending from heaven and promising a bright future outside the EU would result in nothing more than an extended argument on the subject.
Then again, I'm just as sceptical and argumentative about...well, most things really, so I probably shouldn't say anything....
Well, Jesus may have good things to say about being nice to each other but he has little experience in state economics, international trade and modern foreign relations (though admittedly his lesson of "don't paint all of the people from a foreign country with the same huge brush" is one that a fair few of our politicians have forgotten).
The Laws of Thermodynamics:
1) You cannot win. 2) You cannot break even. 3) You cannot stop playing the game.
Colonel Flagg wrote:You think you're real smart. But you're not smart; you're dumb. Very dumb. But you've met your match in me.
Anyone want to place bets on how low the £ might go this week after May's statement?
Hopefully not too low. I do a fair bit of business in USD, and the exchange rate swapping from £0.66 to the dollar to £0.82 is starting to bite into my wallet.
Then again, Trump looks like he'll crash it back down again soon enough, so swings and roundabouts.
Anyone want to place bets on how low the £ might go this week after May's statement?
Hopefully not too low. I do a fair bit of business in USD, and the exchange rate swapping from £0.66 to the dollar to £0.82 is starting to bite into my wallet.
Then again, Trump looks like he'll crash it back down again soon enough, so swings and roundabouts.
My guess is about 1%-2% drop. It's unlikely we'll have the full details, so unless it's "yep we're definitely leaving the free trade zone" the response will be guarded. However the market does seem to be twitchy given that even a hint last week dropped it by 1%.
But I agree about Trump - a lot will depend on how long it takes for him to screw things up (which might take a year or so unless he does something incredibly stupid like ban all Chinese imports immediately, but then this is Trump so who knows?).
"Because while the truncheon may be used in lieu of conversation, words will always retain their power. Words offer the means to meaning, and for those who will listen, the enunciation of truth. And the truth is, there is something terribly wrong with this country, isn't there? Cruelty and injustice, intolerance and oppression. And where once you had the freedom to object, to think and speak as you saw fit, you now have censors and systems of surveillance coercing your conformity and soliciting your submission. How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror. " - V
I've just supported the Permanent European Union Citizenship initiative. Please do the same and spread the word!
"It's not a problem if you don't look up." - Dakka's approach to politics
Hard Brexit, if it happens, is likely to play merry bollocks with our economy in the short term, possibly the mid-term, and potentially the long term.
Which means the man in the street is going to have less money, and possibly greater redundancy.
But here's a sneaky top tip from Mad Doc Grotsnik. I'm going to take a liberty and assume you've all heard about PPI, yes? Arguably the biggest banking scandal the U.K. has ever seen?
Well, PPI is going to make the next recession far, far worse.
Why? Mortgage PPI. On the surface, it's a wonderful thing to have. If you're made redundant or have illness/accident related time off work, most Mortgage PPI policies will pay your mortgage for at least 12 months, and various policies offer much more extensive cover.
Now when you consider your home is pretty much the biggest thing you're ever going to buy, protecting your repayments for a fairly nominal sum seems a good idea, yes?
Except thanks to endless TV adverts, internet forced redirects, cold calls etc, the general perception is that PPI is inherently worthless. And that's given me a helluva a career change, and one I'm doing very well at.
And it's lead to record complaints against banks, brokers and building society about the policies sold. And every complaint, whether upheld or not upheld, also leads to the immediate cancellation of Mortgage and Credit Card PPI.
Now, lets fast forward to a hypothetical recession, yes? That's more people losing their jobs through redundancy. And fewer jobs out there to replace that income stream. Boy, wouldn't it be handy if you'd taken out some sort of insurance for that contingency to keep the roof over your head!
You did. But you cancelled it? Oh dear. Oh dear oh dear. That's immediately put you 12 months closer to dreaded repossession...
Rinse and repeat thousands of times....(possibly, genuinely, hundreds of thousands of times). Well.....poop. That's not good, that's not good at all. Hundreds of thousands of homes now at real risk of repossession?
Then view it through the following lens.
Those statistically most likely to make a PPI complaint aren't your high earners. It's far more likely to be a 'probably getting by, perhaps a bit too much on credit' average person. That's why they're making the complaints. The TV promise of thousands of pounds back is just too tempting. But it's also likely to be the same people with dodgy mortgages, those with ridiculous interest rates and high repayments. AKA those most exposed to market risk.
So what's this tip? If you're looking at buying soon, please hold your horses. Keep adding to your deposit savings by all means - nobody was ever hurt by a larger deposit. But I'd say now may not be the best time to buy.
Hold off. See what happens. If/when the economy tanks, there's an excellent chance the housing market is going to collapse - simply because people have willingly ditched any and all protection for their repayments. Hold that nerve, and you may find yourself paying a distinctly 'not actually completely insane' price for your new home.
Such protection is optional. A good Mortgage consultant will suggest alternatives. My wife works in the industry and best practice sees here advise the pros and cons to clients. She rarely signs up mortgage PPI.
And now is an exceptional time to buy, lenders are going to the markets to buy money. They have to get rid of what they have so deals are pretty good atm.
This message was edited 1 time. Last update was at 2017/01/15 15:20:24
Mad Doc Grotsnik wrote: Oh absolutely it's optional - but to go without any protection is foolish in the extreme.
Other policy types do exist (income protection springs to mind), but when money is tight many can't afford that, or will cut it.
There still remains a storm coming. How bad it might be, who knows - but the mass cancellation of PPI isn't going go make it any better.
I cannot find any information regarding mass cancellation of PPI.. Is this really a thing. If you had a PPI claim against Lloyds on a credit card your PPI on your mortgage cannot be affected unless you write to cancel those payments. They are not one conjoined contract.
Mad Doc Grotsnik wrote: Oh absolutely it's optional - but to go without any protection is foolish in the extreme.
Other policy types do exist (income protection springs to mind), but when money is tight many can't afford that, or will cut it.
There still remains a storm coming. How bad it might be, who knows - but the mass cancellation of PPI isn't going go make it any better.
You're ignoring the fact that in many cases of PPI, people had paid more into it than they would be allowed to claim for and in many instances had paid for it despite not actually qualifying for any payments from it. Basically banks threw it into loan packages because it made them more money than the interest and the chances of them actually having to pay out were slim, especially as PPI has a very high rate of claims being denied. People were being intentionally and misleadingly sold insurance that actually gave them no protection but instead just cost them more money.
The Laws of Thermodynamics:
1) You cannot win. 2) You cannot break even. 3) You cannot stop playing the game.
Colonel Flagg wrote:You think you're real smart. But you're not smart; you're dumb. Very dumb. But you've met your match in me.
I don't flatter myself when I say I know more about PPI than probably anyone else here - it's been my profession these past four and a bit years.
Yes, certain policies meant you always paid more than any potential claim would ever pay. Cleatly those policies were rip offs, and therefore inherently missold.
But. That doesn't apply to all ongoing policies. In its essence, any insurance contract is a gamble about just that. Car Insurance, Buildings Insurance, Contents Insurance, Life Insurance so on and so forth. The underwriter considers the risk, and issues a premium cost - simply betting that across all their insured, the premiums will cover all claims, with some left over to be their profit.
So not claiming on a policy doesn't mean it was missold. Your claim not covering what you've paid to date doesn't meant it was missold. That's just a natural feature of any and all insurance contracts and policies.
You're partially right about dodgy sales. Some policies made it harder for the self-employed to make a successful claim. Others had no additional terms for the self-employed.
As for successful claims? Again that's ultimately an unavoidable feature of insurance policies. They're there to cover unforeseen events. I've dealt with complaints where someone was sacked/walked out, and the insurance didn't pay out. But then, it wouldn't, would it. That's not unforeseen. That's very much within your control.
Mr Burning. People complain about their mortgage PPI as well as loan, store card, credit card, credit management plans. All sorts. And each complaint results in said cover being cancelled regardless. Now, if you've not complained about the PPI on your mortgage, then you're right - complaints about PPI on other lines of credit won't affect it. Sadly, people tend to do all or nothing.
This message was edited 1 time. Last update was at 2017/01/15 17:51:44
Fed up of Scalpers? But still want your Exclusives? Why not join us?
