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Speckled Hen

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Everything posted by Speckled Hen

  1. Well fortunately the UK government stuck to plan A and we didn't follow the Greeks into the myre. http://www.bbc.co.uk/news/business-33323999
  2. Do enlighten me to the costs of MML electrification and the effect on journey times it will bring.
  3. If Greece defaults it will be defaulting to the IMF. There is no one left to lend them money other than private investors. The Greek government has no cash and would likely print billions of drachma to pay wages which would simply trigger massive inflation in Greece. The yield on Greek 10 year bonds increased by 50% over the course of today. In other words the cost of the Greek Government borrowing increased by 50% over an 8 hour trading period.
  4. Don't you believe it. Greek bond yield are hitting the stratosphere. The government have no money to pay doctors, civil servants, public sector workers or even the army. There is no security for personal bank accounts and there could be anarchy on the streets. It wouldn't be the first time in recent years where the military took over the country. I'm not sure that is compatible with EU membership.
  5. I'm not really sure why you wasted so much time writing all that lot. The point I made was about miles and miles of 50 mph limits where there were thousands of cones but no actual roadworks or roadworkers to justify the hold-ups. ---------- Post added 29-06-2015 at 16:52 ---------- But there were no contractors having to work in a 'live' environment with all the associated dangers that it brings. There were just miles of cones and no one working whatsoever. But of course the 50 limit was being policed by those pesky cameras that are there to make sure that we don't endanger the cones by averaging 51mph, and no doubt many will have received fines for endangering these cones.
  6. It seems no one else has bothered reading this. http://www.bbc.co.uk/news/uk-33310095
  7. I must have missed the use of drones, cruise missiles and unmanned aircraft in Vietnam.
  8. I prefered the old Cubana. It had soul & atmosphere.
  9. Of course they weren't forced to convert. They were given the option of being hacked to death as an option.
  10. Last week I drove to Leeds and back and also to Derby using the motorway. On Leeds trip 75% of the journey on the motorway involved 50mph speed limits on the Derby trip 100% was on 50mph limits. On all 4 journeys I never saw a single person working on the "road works". What is the point in spending billions to take 10 mintues off the journey time to London if we continuously waste 20 minutes on motoraway journeys locally?
  11. The smoking ban has been in place for 8 years and yet the reason for it seems to have passed you by. The ban was not to protect the health of smokers. It was put in place to protect others from the harmful effects of 2nd hand smoke. So whilst E-cigarettes might or might not be more benefical to killing yourself with fags, the ban on their use in Wales is similarly designed to protect the public from any toxins that they might emit.
  12. I watched them trying to cross the Channel in a 4*4. It actually convinced me not to do the same.
  13. A few days ago we went to a pub in Dronfield. Inside it was pretty quiet but outside they had speakers blasting out music for those in the smoking gazebo. As there weren't actually any smokers in the smoking gazebo I have to wonder why the surrounding houses needed to be subjected to rock & roll that only they could hear.
  14. It is all a great shame but I think the answer to corporate closure of pubs lies with the micro pubs. Last night we ventured into a mediocre pub selling mediocre beer from the national brands. It wasn't exactly heaving for a Friday night. Tonight we are heading for the Beer Parlour in Chezzy. I expect the beer to be far cheaper, far better and as a result the place more crowded.
  15. As many have said in the past until the Pakistani community come to accept there is a clear problem and stop trying to blame others they are not even going to start to tackle that problem.
  16. Mortgage set-up fees Some lenders charge a mortgage booking fee (or equivalent) usually to reserve funds on a fixed or capped rate product. £99-£250 – may be refundable if the mortgage application falls through before completion. Mortgage arrangement fee Most mortgage products have an upfront fee, which some lenders call an arrangement fee. This may be in addition to a separate booking fee. £0-£2,000, usually depending on the lender and interest rate charged. Can be added to your mortgage amount but you will have to pay interest on the amount if you decide to do this. Valuation fee The fee charged by a mortgage lender to have the property valued to check it’s worth the mortgage amount. £150-£1,500, depending on value of property Mortgage account fee A single fee charged by the lender when you take out your mortgage to cover set up, maintenance and closing down costs. You won't have to pay a separate exit administration fee when you repay your mortgage. Typically £100-£300 This is separate to the arrangement fee. Higher lending charge If you're borrowing most of the value of the property, the lender may charge a fee to take out insurance cover. This protects them in case you can't pay back your loan and they have to sell your house at a loss. The lender can still chase you for the shortfall. This will depend on how much you borrow, and how much you're contributing as a deposit. If you do have to pay one, it’s usually around 1.5% of the amount you’re borrowing. So, for example, on a mortgage of £150,000, this would be £2,250. Searches Fees for searches to the local council to check whether there are any planning or local issues that might affect the property’s value. They will also instruct a drains search. These are usually done by your solicitor. £250-£300 Legal costs Paid to a solicitor or conveyancer to carry out the legal work involved in buying/selling property. Buyers and sellers will both need a solicitor. £500-£750 – remember to budget for VAT on top of the price quoted. Stamp Duty A type of tax paid by the buyer – the amount you pay is based on the purchase price. 0% to 7% of the purchase price of the property Moving costs Paid to a removal firm to move, and sometimes also pack, your possessions. £300-£600+ Survey Paid by the buyer to a surveyor to check for structural defects on the property. Home condition survey – this is the most basic and cheapest survey. It’s best for new-build and conventional homes. Typical cost: £250 Homebuyer’s report – this is a much fuller survey, looking thoroughly inside and outside a property. It also includes a valuation. If you are choosing this option, you should see if you can get the valuation and homebuyer’s report done at the same time to cut costs. Typical cost: £400+ Building or structural survey – this is the most comprehensive survey and is done for an older or non-standard property (for example, if it’s made of timber). Typical cost: £600+ Then new carpets, new bog seat, and new all those other things that you wouldn't want to use because strangers have..
  17. If you don't like the way the German legal system works, perhaps you should take it up with your Euro MP. I suspect that you just don't like Bernie Ecclestone because he has been rather more successful in life than you have.
  18. It costs about £20K for the average person to move house. New carpets, moving costs etc are not recoverable. You aren't going to win trying that game.
  19. It happens all the time. It is known as settling out of court. Ecclestone wasn't forced to pay. He offered to pay. I suppose when you are 83 years of age and have $4.6 billion in the bank spending 2 years on your yacht can seem rather more attractive than spending 2 years going through the court system. The money becomes irrelevant when you have so much of it. You can pay it into a court to get the court case dropped or you can spend it on very expensive lawyers to fight it out for the rest of your life. Which would you choose? On the flip side the court system can waste millions trying to bring a case against an 83 year old who will either be found not guilty or will have died before a FINAL verdict is reached. $100 million seems like a good deal for the courts rather than wasting $millions trying to prosecute someone whose cash won't run out as quickly as the prosecutors.
  20. How about going over to Gaza and reading out the names of those killed by Hamas over the years? http://www.reuters.com/article/2012/11/21/us-israel-telaviv-bus-explosion-idUSBRE8AK0HS20121121 http://en.wikipedia.org/wiki/List_of_Palestinian_suicide_attacks http://en.wikipedia.org/wiki/Dizengoff_Street_bus_bombing http://www.jpost.com/Defense/Hamas-Islamic-Jihad-welcome-terror-attack-on-Bat-Yam-bus-335819
  21. That says it all. It is rather aking to attacking someone in the street and then complaining because he gets the better of you and leaves you out cold on the pavement.
  22. It does make you wonder whether those bags of dog muck that you see hanging from trees were actually put there by dog owners or had been liberated from a dumping ground by crows and deposited in the branches.
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