coldel

Non Zeds allowed Chris?

I think she's been painted in that light because she tried to make some tough calls at the wrong time. Irresponsible spending while our debt is through the roof seems more immoral to me. Good old money saving TM. Brexit will cost a fortune, Trident costs a fortune, the coming tax breaks cost a fortune, the election was needless spending (albeit only a few millions). Yeah, she's all over saving money, just you know, saving it from the right people. It was more around morals of what you stand for, JC hasn't swerved from his beliefs whilst TM changes her mind as often as the day turns to night depending on how much flak she gets.

Like you say with Brexit, who knows. PS I didnt vote JC and have only positively spoken about him based on his election campaign rather than his suitability to be PM?

I think when it comes to morals, JC sits way above TM - however when it comes to numbers, DA is well, erm, a couple of waves short of an ocean. Seems like a cheap deal in all respects, TM must have nicked it off JC's magic money tree when he wasn't looking though

A billion quid to keep the Tories in government, views... http://www.bbc.co.uk/news/uk-politics-40403434

Stunning mate, nice one!

Newest, lowest mileage (as the UK is such a fickle place when it comes to sale time) and best condition you can get within budget - regardless of common problems etc do have some money back in case of problems, you don't want to buy a car that then sits outside for a month whilst you wait for pay day to fix something.

If you are handy with the spanners then you should do some of the work yourself - otherwise this will end up costing you more than a decent example straight up Welcome along, lots of great members advice on here and make use of the traders before you go ordering any tat off ebay

I get that completely. Been going on for years though nothing new really. People want easy money nowadays, rather than putting in the graft.

I think it has to be taken on a case by case basis - you stand on the pavement, a bus drives past, you fall over out of surprise because you were not paying attention and crack your head and next thing calling for thousands in compensation from the council, bus service or whoever you think can pay up - well that is farcical. For the fire situation, if someone has been knowingly negligent and put lives at risk in the name of cost cutting/profit making then I do feel there should be a prosecution, if its a criminal act then it should be treated as such - that is not blame culture?

OK apologise if I sounded dismissive earlier, it wasn't the intention. I do step out of this conversation a fair bit and jump back in as I don't want to be seen to owning it. I try to use facts i.e. numbers from the ONS etc. which are reflective of the country performance as whole and try not to rely on links to news publications etc. which will have a political influence - how else can we talk about the country as a whole without using countrywide indicators. Things like wage inflation and price inflation are globally accepted indicators of a countries performance. I guess I probably spend far too much time reading on politics, but hope I can raise some facts in the face of common myths that are tossed out there by labour, tories, leavers, remainers and the like. I know I lean towards remaining and probably quite centrist but funny enough I have swerved all over the place over the last couple of years the more information I gather on the subject.

Your personal situation is not a reflection of the economy of the UK and neither is mine - what is BULL if you want to put it that way is thinking your personal situation is a reasonable way to make a statement like you did about the country as a whole. I haven't had a pay rise either if you want to raise that but haven't then come to the conclusion based on my single data point thats whats happening as a whole, thats just rather naive. If you use real numbers, AWE or average weekly earnings show that they are now at their lowest since 2014, so we have seen 3 years of decent AWE vs inflation which has been higher than inflation for the last few years. Inflation in fact back a few years ago was threatening to go negative. Personally I will read macro economic numbers and make a conclusion on that, if you want to use your own and your mates personal views on what you think you are earning vs spending then thats fine as well. I know what I think makes more sense personally and what is BULL.

No we haven't, we have had low inflation and higher wage increase levels which meant people can improve their standard of living. That is now the reverse. What you probably mean is that things like housing are high in parts of the UK, which they are. But then most G8 countries have the same issues. In terms of salary cannot be bothered to go hunting the stats but I believe we are about middling, on par with France and Germany but no where near as high as somewhere like Switzerland (but thats more due to the type of employment in smaller countries).

I would say sign up to detailing world forum and have a browse for an hour see what you find - also presume that you have such an extensive catalogue of Megs products because thats the expensive stuff in Halfords? I would have a nose on Polished Bliss to see the range of products that are really available! Also have a browse through Illogikals test thread I do use Megs Bug and Tar though...which might help you address one of your gripes above. I would also HIGHLY recommend Gyeon Bathe+ as your car shampoo of choice...and Bilt Hamber Auto Wheel for keeping your alloys tip top

Sold - thread locked

Sold - thread locked

Doom and gloom our cautious realism thinking through consequences It was blind single tracked optimism that led us to a 2008 crash, I think there are lessons to be learned As above, the growth is a side effect and a small one in the grand scheme of things. Its welcome as I said but its not an indicator of longer term brexit (we havent even brexited yet). For every link showing some headline about the economy like that you can easily share another showing banks relocating into Europe, imports driving up inflation, EU workers leaving public sector roles that cannot be filled by British 'born and bred' etc. The next challenge for our economy is the negative equity if you like that we are in, wage growth is lower than inflation and its gap is growing - stuff costs more and people are not earning enough to maintain their quality of life.

Not really, I didnt think for one minute you would put it into context of whats happening to the country as a whole or why exports are increasing and why that might not work for us longer term Of course exports going up is a good thing - but they should be going up for the right reason. So for example you sell a product for £1. It costs you £0.5 to make it. Some of that parts needed to make it go up in price as they are imported so it now costs £0.6 to make it so you make less money but if you hold your price at a £1 you sell more as that £1 is cheaper for people buying in Euros so you are viewed as a cheap producer. Then, if tariffs are put in place your price is now £1.20 to the buyer, you only gain £1 and you get £0.4 margin and you sell less than before, you hope you sell as much as you did pre-brexit - you are now running at a 25% reduction in profit - less profit means less re-investment and less growth for your business. Like I say, read just the headline and get excited or work through the economics of it and worry for the future and why is it so massively important that hard brexit is not an approach nor is a no deal option as manufacturing will fall off a cliff.

I would agree that having wooden windows with gaps you can put your hands through makes no sense. But neither does spending tens of thousands of pounds on something that could well be superseded in 5 years time. There is a sensible mid point but plastering your building with solar panels and mini windfarms in your garden is just going to not make its money back. Aside from the fact your house will look hideous

Its because our pound is so low our exports are more in demand - but we they dont mention is that we require to import many parts to export these goods which are going up in price, and we pay tax on exports which contain imported goods/parts when we drop out of the EU union (which we are still in so we are ok there, for now). So we will likely see this in the short term as a function of that but its not sustainable. When we get to March 2019 without a trade deal in place IF Theresa Maybe continues down a harder brexit route we fall into WTO rules which means any benefit from buying from us due to our weak currency (and we are only exporting because of weak currency not because of a strong economy) will be offset and more by tariffs imposed. Also that this is a small part of our economy, financial services make up a much higher percentage and thats what really matters (even if people hate bankers). What is happening short term because of brexit is that we are in a negative income spiral now, inflation has risen and wages have fallen resulting in a negative income for people in this country which means less capability to spend and thus a weaker economy. You can read the headline and take it at face value as a positive thing, but the underlying problem here is that we exporting more because we are cheap, not because we are strong.

You next Alex?

£55bn on HS2 so far - would have tucked that in my back pocket to pay for brexit personally.

They are already doing it - I think as a bank you would be nuts not to have a contingency plan in place if it goes belly up, there was something in the news 3 months or so ago about Goldman Sachs relocating already. But it should serve as warning to TM that no deal, or stretching out resolution of how financial services operate out of the UK for years to come is not a good result for us.

I think we both know it is a freak in the algorithm, probably due to some reported crimes closeby to you in the last 12 that have a high weighting on the quotation. I am sure if I tried to get my Celica insured on Moss Side or whatever my quote would go through the roof too.

To be honest I was joking about the fox hunting, its irrelevant really. Dropping all the big manifesto pledges and pandering to the DUP is the big news!