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Bozza posted:By DnA I mean "Drugs and Alcohol" btw, I had to take one as a precondition of my employment with Network Rail and a subsequent one when I reapplied for my Personal Track Safety competence which requires it.
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Dec 3, 2014 19:08
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Lord of the Llamas posted:Head of nail meet hammer: Sure, but it's not like an individual bank moves in a vacuum. Why wouldn't another bank come along (say a so-called disruptive one like Metro, or a building society) and sell cheaper buy to let mortgages and clean up the market, if the premium doesn't reflect a business risk? Edit: Which.co.uk says: quote:Buy-to-let mortgages cost more than residential ones, because there is more risk for the lender. Maybe it's as simple as that. Apparently BTL mortages are not FCA regulated, unlike normal mortgages. Prince John fucked around with this message at 19:40 on Dec 3, 2014 |
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Dec 3, 2014 19:37
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Prince John posted:Apparently even the prosecution accepted he wasn't a terrorist. I suspect there's more to it than meets the eye, as there usually is when reading media reports about trials. There's a reasonable possibility that the Judiciary are prejudiced against ethnic minorities. I would strongly suspect no Muslim terrorism suspects have been had the suspicion of terror dropped for reasons of immaturity, the Daily Mail's howls would've let us know had that happened. Label me a reactionary if you will but telling the police you built bombs because you hate immigrants certainly sounds like the actions of a terrorist to me. Hell I'm pretty sure a great number of terrorists have been immature idiots, which hasn't made their victims any less dead or injured. Do Scooby Doo stickers negate this: http://www.theguardian.com/uk-news/2014/nov/28/soldier-jailed-nailbomb-ryan-mcgee-manchester-bomb quote:[...]building a viable nailbomb packed with 181 pieces of shrapnel to maximise the carnage it would cause. Because if so Daesh better start stocking up on Spongebob Squarepants stickers along with Nutella.
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Dec 3, 2014 19:52
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EmptyVessel posted:Unless they close it at night all I can see is a lovely picturesque new mugging location. Also if you're more than 8 people and want to cross it, you need to apply for permission beforehand, because otherwise you might Protest, and that's not what we want. Also you might well have to buy tickets for it. Also no, there isn't a general right of way.
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Dec 3, 2014 19:53
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Zephro posted:It is closed at night. I'm going to guess that when the enormous maintenance bills start piling up the management company will miraculously find itself bankrupt, leaving the public to bail out and manage the bridge, probably while the directors make off like bandits.
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Dec 3, 2014 19:56
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Zephro posted:It is closed at night. So it's not a bridge, it's a private hanging garden with two entrances.
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Dec 3, 2014 20:31
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Renaissance Robot posted:So it's not a bridge, it's a private hanging garden with two entrances. In effect yes, partially funded by tax payers as well. Almost as big a folly as the cable car down the river, but I expect this bridge will actually be used.
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Dec 3, 2014 20:42
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 Oh dear.
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Dec 3, 2014 20:45
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Wolfsbane posted:When has a bank ever needed a reason other than "because we can"? They did smash up the entire economy and make out like bandits doing so.
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Dec 3, 2014 20:49
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Metrication posted:In effect yes, partially funded by tax payers as well. Austerity apparently means spending public money on nonsensical instead of useful things.
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Dec 3, 2014 20:52
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I CANNOT EJACULATE WITHOUT SEEING NATIVE AMERICANS BRUTALISED!
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That UKIP thing is bonkers. ReV VAdAUL posted:There's a reasonable possibility that the Judiciary are prejudiced against ethnic minorities. I know you only said it was a reasonable possibility, but do be careful with that kind of statement - the link you posted is filled with health warnings about drawing conclusions and possible explanations for the supposed discrepancies. E.g. cultural propensity to plead not guilty, longer criminal histories, more serious crime in certain categories etc. I won't white knight the charming Mr. McGee - I just wouldn't be surprised if the facts are surprisingly different. It's a shame it's not the Court of Appeal, then we could see the judge's remarks. Granted, we never wanted to blow anyone up, but when I was a kid one of my friends lived on a farm and we used to have some fun making small explosions in an empty field. Everyone at school had a copy of the Anarchist's Cookbook as well, just because it was getting passed around like a hot potato on floppy disk.  A different world pre-9/11 I guess.
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Dec 3, 2014 20:56
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These new stamp duties seem good to me. Thanks Tories.
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Dec 3, 2014 21:32
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TinTower posted:
Jew KIP
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Dec 3, 2014 21:33
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Prince John posted:
It is a fact that judges are racist, what the christ do you think changed since the Birmingham Six were released? Do be careful not being white, and the right kind of white, would be a better statement. It wouldn't be a lie about cultural propensity to commit more serious crime, for a start.
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Dec 3, 2014 21:35
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TinTower posted:
I suppose every party has its nutter faction, even UKIP.
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Dec 3, 2014 21:37
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The nutter wing of UKIP will probably be put off by that, actually.
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Dec 3, 2014 21:39
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GOod news everyone, I'm eligibkle for a small amount of tax credits. You can check yours here http://www.turn2us.org.uk/
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Dec 3, 2014 21:48
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keep punching joe posted:I suppose every party has its nutter faction, even UKIP. the lack of forethought is beautiful
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Dec 3, 2014 21:50
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From the pictures thread. Seriously, this thing deserves to be an OP regular, it's art. Fecal art on bathroom walls perhaps, but still art.
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Dec 3, 2014 21:55
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Osborne wussed out on devolving corporation tax powers to Northern Ireland, fell back on a conditional promise to look into it once a budget has been agreed at the current all-party talks. Possible code for you ain't getting poo poo until you agree to cut welfare. Naturally the DUP are blaming SF for the sudden onset of cold feet after the positive noises in the last two weeks, SF are crossing their arms and are refusing to accept further fiscal devolution if it means swallowing a Tory budget. I think a drastic cut in corporation tax (which is what devolving it is all about) is pretty drat stupid but god-drat if hearing the Tories say we can't have it still doesn't irk me. drat your reverse psychology Cameron 
kustomkarkommando fucked around with this message at 22:00 on Dec 3, 2014 |
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Dec 3, 2014 21:58
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Burqa King posted:GOod news everyone, I'm eligibkle for a small amount of tax credits. You can check yours here http://www.turn2us.org.uk/ Good calculator, thanks for posting it (it calculated how much I actually receive in child benefit and tax credits so it is accurate).
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Dec 3, 2014 22:05
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Lord of the Llamas posted:The change to stamp duty has been an obviously good idea for the reasons people have already pointed out. I would probably have made it old/new duty neutral for a purchase at £600k not £937.5k to increase revenue (Do we know these thresholds/rates were picked to make it revenue neutral? Probably, since 925k is really arbitrary at first glance.) from the tax and I think there should be a 2% surcharge on all second homes/buy to let purchases to give genuine home-buyers an advantage. Also they should scrap the tax deductibility of the interest on a rented property's mortgage but also legislate to scrap buy-to-let mortgages, i.e. people should be able to borrow for the same interest rate regardless of the purpose. At the moment the banks offer higher interest rates for buy-to-let (despite the fact they are obviously less risky in most cases) so it's really the bank that profits from the tax deduction, not the landlord. Turns out the SDLT change isn't revenue neutral - it's expected to be an £800m tax cut - because apparently it makes sense to deliberately reduce the tax take when you're trying to balance the budget and eliminate the deficit. Also, I've always found BTL mortgages to be a weird and awkward halfway house between personal and commercial finance. BTL is supposed to be a business venture, which justifies the tax relief on the mortgage payments, but if you actually tried to do it as a proper business via a limited company, no bank would give you the time of day. It's almost like the system is explicitly designed to suck in money from half-arsed amateur landlords and ensure that huge chunks of the country's private rental stock end up in the hands of people who are patently unqualified to manage it.
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Dec 3, 2014 22:12
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Fans posted:Enjoying Vomiting or Vomiting during sex. 
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Dec 3, 2014 22:13
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Burqa King posted:GOod news everyone, I'm eligibkle for a small amount of tax credits. You can check yours here http://www.turn2us.org.uk/ I'm not. You've ruined Christmas breath Ray
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Dec 3, 2014 22:13
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TinTower posted:
Evil begets evil.
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Dec 3, 2014 22:21
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Spangly A posted:It is a fact that judges are racist, what the christ do you think changed since the Birmingham Six were released? Wasn't the main lesson from the Birmingham Six that the police were massively corrupt? Judges make mistakes - it doesn't make them racist - Justice Lane just seemed to have bad judgement in the later part of his career. It was a judge that allowed the appeal in the end. Saying "it is a fact that judges are racist" is pretty inflamatory. quote:Do be careful not being white, and the right kind of white, would be a better statement. It wouldn't be a lie about cultural propensity to commit more serious crime, for a start. I was only quoting from the article linked in the thread: quote:Differences in sentencing between ethnic groups have been a subject of academic contention for a while. Some explanations suggest offenders from different ethnic minorities commit more serious offences in particular categories or have longer criminal histories; others speculate they could be indicative of prejudice in areas of the criminal justice system. The key point I was trying to draw attention to was this: quote:Dr Coretta Phillips, at the London School of Economics' Mannheim Centre for the Study of Criminology and Criminal Justice, said: "The raw figures [in the MoJ] data are unable to take account of all the relevant legal factors which might explain these patterns.
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Dec 3, 2014 22:33
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Gonzo McFee posted:The nutter wing of UKIP will probably be put off by that, actually. I'm not so sure. The UK fash seem to be quietly (or loudly) realigning towards making Muslims their favourite target, and who can blame them when there's such encouraging stuff coming out of Israel?
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Dec 3, 2014 23:02
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This TED video suggests a global workforce crisis in 2030, with labour demand far outstripping supply (even in the UK). Could this push wages and working conditions up, regardless of the Tories' efforts? https://www.youtube.com/watch?v=ux1GxExRUUY
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Dec 3, 2014 23:12
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Renaissance Robot posted:So it's not a bridge, it's a private hanging garden with two entrances. Sounds like a suitable case for a nightly lock/superglue conjunction. (Also,final confirmation London=Babylon) Regarde Aduck posted:Evil begets evil. EmptyVessel fucked around with this message at 23:14 on Dec 3, 2014 |
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Dec 3, 2014 23:12
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KKKlean Energy posted:This TED video suggests a global workforce crisis in 2030, with labour demand far outstripping supply (even in the UK). Could this push wages and working conditions up, regardless of the Tories' efforts? The speaker also states that there's going to be a skills gap such that there's a desperate shortage of skilled labour and a glut of unskilled labour, so we'd be more likely to get a relatively small number of high demand people seeing their incomes skyrocket while the rest scrabble around for a dwindling pool of zero hour contracts... e: the UK is the second most desired destination for the world's migrants WE ARE GOING TO BE SWAMPED BY THE FORRIN HORDES NIGEL SAVE US LemonDrizzle fucked around with this message at 23:30 on Dec 3, 2014 |
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Dec 3, 2014 23:23
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EmptyVessel posted:Read that as "Evil bagel's evil", not sure quite what my mind is trying to say.. Maybe the creepy UKIP picture above provoked you to an unfortunate attack of anti-Semitism?
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Dec 3, 2014 23:28
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LemonDrizzle posted:The speaker also states that there's going to be a skills gap such that there's a desperate shortage of skilled labour and a glut of unskilled labour, so we'd be more likely to get a relatively small number of high demand people seeing their incomes skyrocket while the rest scrabble around for a dwindling pool of zero hour contracts... So it's just more the same then. I had my hopes up for a moment there.
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Dec 3, 2014 23:29
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quote:Read that as "Evil bagel's evil", not sure quite what my mind is trying to say.. It's either hunger, sleepiness or anti-semitism. So eat an apple, take a nap, and visit stormfront.
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Dec 3, 2014 23:29
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Prince John posted:Saying "it is a fact that judges are racist" is pretty inflamatory. This would be the point, yes.
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Dec 3, 2014 23:30
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Cant we spend all this money/attention on some sort of incentive to leave program, id gladly get the gently caress out of this shithole in exchange for a crash course in spanish or italian and 5 grand start up money.
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Dec 3, 2014 23:51
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EmptyVessel posted:Sounds like a suitable case for a nightly lock/superglue conjunction. given that it's the UK there'll be about 20 cameras pointed at the thing so good luck 
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Dec 3, 2014 23:52
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Seaside Loafer posted:Cant we spend all this money/attention on some sort of incentive to leave program, id gladly get the gently caress out of this shithole in exchange for a crash course in spanish or italian and 5 grand start up money. Grass is always greener etc.
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Dec 3, 2014 23:56
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Seaside Loafer posted:Cant we spend all this money/attention on some sort of incentive to leave program, id gladly get the gently caress out of this shithole in exchange for a crash course in spanish or italian and 5 grand start up money. I think the BNP was planning a program like that but not everyone would be eligible. White people have to stay behind and defend the pedoland.
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Dec 3, 2014 23:58
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KKKlean Energy posted:I think the BNP was planning a program like that but not everyone would be eligible. White people have to stay behind and defend the pedoland.
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Dec 4, 2014 00:08
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Prince John posted:Sure, but it's not like an individual bank moves in a vacuum. Why wouldn't another bank come along (say a so-called disruptive one like Metro, or a building society) and sell cheaper buy to let mortgages and clean up the market, if the premium doesn't reflect a business risk? Mortgages are secured against the property. Defaulters lose their property. Plus someone with a 2nd property without tenants will sell it a lot quicker to meet their debts than a live-in home owner. Which.co.uk is talking poo poo. It costs time, effort, and money for people to re-arrange such large commitments as mortgages. The churn for banking customers is very low (how many people do you know who have changed who their current account, savings, or mortgages are with recently?) therefore offering lower rates is going to lose you more money with your existing customers interest than it is going to attract new customers. Hence why you get the "Two year fixed rate omg amazing rate" introductory deals but then everyone is on the same tracker rate essentially as every other bank in the country. The fact is that people can't and won't switch their finances around like they would their washing up liquid and banking, like other private essential utilities, operates as an oligopoly and won't change their ways without stricter regulation.
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Dec 4, 2014 00:16
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