Showing posts with label BANKS. Show all posts
Showing posts with label BANKS. Show all posts

Wednesday, 1 July 2015

BECAUSE, SOMETIMES ALL WE NEED IS A BIT OF A LAUGH...

Bless him, if you can't laugh at Govey,
there's something wrong with you!
Apologies to my friends Eileen and Brian, lawyers both! 
HSBC, Barclays, RBS, HBOS?
Penguins welcome too...
The 'Vicetoy', well described by Dickens (below)
(thanks to Geoff Dugdale).
Anyone thought about making and selling
Fluffy Muddle stuffed toys?
Perfect!
Uh Oh, it's the OO, always good for a giggle.
And so full of love for other humans.
Nope. He was taught that he was better than other people because of his connections and wealth. His school and his university, not to mention membership of the Bullyboys' Club reinforced it. Finally being a Tory, and with help from Buckingham Palace, an MP, and then PM, sealed the deal.
I hear he just insulted Mr Skinner again. Boor!
If he doesn't make you laugh, nothing will.
Well, come on, wind isn't perfect but given the choice....
which would you prefer in the sight-line of your living room.
Oh, how true...
Erm.... yeah
Eek
I don't suppose 76 is available?
The biggest joke of all.

Friday, 6 June 2014

THE GORDON BROWN REFERENDUM ROADSHOW

CHEQUES, DRAWN ON ANY OF THE BANKS THAT HE PERSONALLY SAVED, SHOULD BE MADE PAYABLE TO GORDON BROWN. CASH PREFERRED (BANK OF ENGLAND NOTES ONLY)

So, according to this letter on Labour for Independence Facebook page, North Briton, Gordon was wheeled out to make a speech for Better Together Alone, and apparently refused to take any questions, not because of lack of time in his busy schedule, but because he wanted to sell books.

It seems to me that speaking on the referendum is a commercial opportunity for Gordon. Grubby New Labour Neolib moneymaker with no time for the concerns of plebs and frightened to have to justify his right wing agenda to proper Labour people.

Hope no one bought it.

Tuesday, 3 June 2014

YOU'D THINK THAT WITH ALL HIS MONEY HE'D BE ABLE TO AFFORD SOME NEW LIES TO TELL


iScotland would have to "queue up" to join the EU, he said, for some strange reason, while he was campaigning in the Newark by-election in England. They care in Newark?

He also said he was disappointed that Scottish people living in the rest of the UK would not be able to vote in September's independence referendum. Although, as the referendum, by UK law, had to get the permission of the UK government to take place, and was the joint responsibility of the UK and Scottish governments in its range and methodology, it seems strange to bring this up now and not before the Edinburgh Agreement was signed. Of course it would have been almost impossible to ascertain who would have been eligible to vote, and that is why it was not seriously considered. But people like Cameron never let the truth get in the way of creating bitterness when it suits their own political ends. 

He said: "If Scotland vote for independence they are no longer members of the EU and it's become clearer and clearer since this campaign started that they would have to reapply to join the EU and as such, as an independent country, they would have to queue up as it were behind other countries - for instance those in the western Balkans that are already on the path towards membership”.

Well that’s, at best, conjecture, and at worst, lies. He must be the only person in the world who seriously believes that an expansionist organisation like the EU would disfranchise Scottish citizens, take away their passports, driving licences, and all their rights as European citizens, at the same time as removing all the rights a privileges of other EU states’ citizens to live, study, work in Scotland, and put them on hold so that countries like Montenegro and Macedonia could take precedence over them.

The scenario is too ridiculous to imagine. All EU students at Scottish Universities would immediately be obliged to either return home in the middle of their courses, or to pay steep fees for the rest of their education. All fishing in Scottish waters would stop; all projects being funded by the EU would immediately have no cash; Scottish people living overseas would become aliens in their new countries, as would all the Europeans working here. And for what?

 Scotland, as a current member of the UK, and therefore the EU, meets all the criteria of being a member of the EU. Why would they queue behind countries which are working to bring their finances, human right, etc, etc, into line with Europe, possibly taking decades to do so?

No one is suggesting it would be an overnight rubber stamping. A new country would most likely have to negotiate terms, and no one really expects that any of the opt outs, or penalties for these opt outs, currently enjoyed or paid by the UK would necessarily continue. But most intelligent and educated estimates are that, within a period of 18 months, these issues could easily be resolved. East German territories and citizens, after all, became a member overnight when accepted into reunified Germany.

On the other hand, when Greenland obtained the power from Denmark to make its own decisions on these matters, and decided to withdraw from the EU, it took it 2 years for the EU to reluctantly let it go.

Of course Mr Cameron could have sorted this uncertainty long ago. It is in his hands to ask the EU for a judgement on Scotland’s position. Mr Salmond has asked him to do this. He has refused. He prefers to be able to play on fear. That is the kind of Prime Minister that Scotland has. One who appears to be at war with the country. In short, an enemy. 


Needless to say Cameron continued with the usual tired old dross about hoping the Scottish people will vote to remain in the United Kingdom because we're a successful family of nations, all bringing something to this United Kingdom.  But I refer you, and him, to the video in a previous Munguin post.

For someone campaigning in an English by-election with absolutely no connection to Scotland he made a great deal of independence. You began to wonder if he hadn’t lost the plot as he rambled on about risks outside the UK. Not being able keep the pound (lie), outside the UK you wouldn't have such a strong economy with so many jobs…(another lie, as the economy in London and Oxford is entirely different from anywhere in Scotland… and the unemployment figures on a country wide basis being better in Scotland than in England). Then there was the ever reliable “banks” tale. The British taxpayer saved the Scottish banks. Except that that’s a lie too. The actual losses from banks (which might have had Scotland in their titles, but are based in, and regulated by London) in Scotland was tiny. The Scottish liability could easily have been paid. The massive losses came in London and in the USA. And the USA liabilities were, by law, paid by the USA government. 

It seems to me that if you have to rely on lies for ALL your arguments, you actually don’t have anything. Cameron must be thanking his lucky stars for a compliant press and a BBC that desperately needs his English Culture Secretary to raise the licence tax.

In conclusion with sickening predictability he said: “I think the UK has been a great success story”.

Tell that to people on the receiving end of Iain Duncan Smith’s Department of Wickedness and Purgatory (DWP). Tell that to all the people forced to live on the lowest comparative minimum wage and the lowest pension in Europe. Tell that to people paying the highest fares for the worst trains in Europe, or the most money for the smallest houses, the most expensive petrol, cars, furniture etc… The list is endless. 

Statements like that remind me of the speech made by the prince of Wales, welcoming some immigrants to England where he said: “I’ve always considered myself extremely privileged to be born British.”   No seriously, he did!

Sunday, 13 October 2013

SNAPS ON SUNDAY

Lord Robertson's notes?

Lordy, Lordy, another of these scroungers who, had he managed to work a flanker
like that  and been unemployed working class ,would now be a guest of HM. 

George Osborne...need we say more

Not for much longer

Oh look... a country where the views of the majority have a voice. Novel.
Still with billions to be made by friends of Osborne, that's not going to happen here.

Still, every little bit helps, as Tesco always reminds us

So generous these children's hospitals

Oh look, a cabinet meeting. I hope when he brings his cabinet on tour is
 Scotland he will bring his own air freshener. Damned if I see why we should pay.

Another 10 years of this?
Oh yeah, and they have friends...
Yuk...

Wednesday, 15 May 2013

BRILLIANT

Thanks to Cynical Highlander for pointing this beauty out.

Sunday, 27 November 2011

THERE IS NO PLAN B...

....But...


like the Royal Wedding, the Japanese Tsunami and the fact that Mrs McGinty's cat got stuck up a tree, the Eurozone crisis has proved too much for the faltering British economy and something has to be done.


So it's been confirmed that Mr Osborne (left) will announce that the rail fares increase that put a huge strain on the finances of the commuting public (mainly in the South East of England) will not be as great as had been previously announced, at a cost of some £130 million to you and me. And for the rest of us, talks are under way to try to delay, cancel or at least reduce the 3p extra on a litre of petrol. A much more expensive ploy and by no means signed, sealed and delivered yet.


And now we hear that the Westminster government is going to underwrite loans to businesses that the banks feel would be too risky to make. 


How good of the banksters to be prudent about that. They are doubtless worried that if they had to be bailed out again, the bonuses really would be under threat. But why should they take the risk when George will do all the hard work for them, leaving them to sit back and count their money? Well, that's what you get for funding the Tory party, I guess. 


It was recently announced, too, that the Westminster government intends to lend money to first time buyers in order that they should get their feet on to the all important "an Englishman's home is his castle" property ladder.


That sounds decidedly to me like the Westminster mob underwriting sub-prime mortgages. People who can't afford a deposit for the admittedly VASTLY overpriced British home, will be able to borrow the extra, underwritten by you and me. 


Now, call me spoil sport, but didn't we recently prove that there was a flaw in this "owner occupier status for all" ointment? Particularly at a time when "ordinary" people, no, "families" "up and down the country" are losing their jobs, unable to get new ones and therefore unable to pay their mortgages, is this not just a little on the silly side?


Added to this, despite the plain-as-the-nose-on-your-face evidence to show that it was a hare-brained idea in the first place, the English part of the UK government is now going to sell off its council housing, leaving social housing even more stretched. (Although the dangerously stupid sounding English housing minister,  Gregg Schapps (right), insists that they will build a new house for every one sold off [just how, we're not sure].) 


Fortunately the Scottish government has stopped all sales of council houses and is building up the stock once more.


It seems to me that the Westminster executive is doing all the things that it  (with hindsight) criticised Labour for doing; things that contributed massively to the financial breakdown in the first place. 


And still no claw back of the bankers' bonuses.

Monday, 3 October 2011

PLAN A IS DEAD, LONG LIVE...PLAN A+

So now we know that, although there is no Plan B, there's a Plan A+.


And this is it: The Bank of Britain England is going to print more money to buy up government debt, which is a cause of inflation and a devalued pound, and because the banks that we own will not lend money to small and medium sized companies, the government, or rather we, will do the lending. 


Well, I suppose you couldn't expect the government forcing the hand of the banks and the City, given how much money the Tory Party got from them, and will probably continue to get from them now.


Credit Easing, as it appears to be called, will inject tens of billions of taxpayers' money into businesses. It will not add to government debt, because the government will get assets in return for its money (sounds a bit like nationalisation to this untutored mind). However, if the money is not paid back, and clearly some of it won't be, the taxpayer will pick up the losses.


However, much though I may pour scorn on Mr Osborne's plans, Standard & Poor, which some would say has a little more experience in matters economic than I do,  has said that it will keep the UK's credit rating at the highest level because of its ''wealthy and diversified economy''.
You have to wonder if they have ever been here, don't you?


The good news is that Osborne has seen fit to follow the example of John Swinney, the better man by miles, and extend the council tax freeze. £70-80 on average per year may not see a massive amount, but £6 or 7 extra at the end of the month when fuel, food, clothes and other basics are rising, and wages are not, has got to be welcome.


The even better news is that because the English government (yes I know QM, there isn't one, but the de facto English government), has found £850 million to do this, our freeze will now be funded, as there will be a consequential. 


Pic: "Ah, I knew there was an extra £850 million, plus some for the colonies, up here. Nice shirt, eh? You lot couldn't afford one like this."

Wednesday, 29 December 2010

NO MATTER HOW THEY MAKE YOU HAVE IT, YOU ABSOLUTELY SHALL HAVE A BIG SOCIETY

Apparently the government in London wants banks to ask people to make a donation to charity when they make a withdrawal of cash. Shops and restaurants could also ask people using a card to make a small donation, perhaps rounding up to the pound, under the proposals. Under legislation expected in the spring, people could be asked to give money when they fill in tax returns, apply for passports, driving licences and other state services (social security?).

So basically they will guilt you into making a charitable donation. And those who are a bit embarrassed about seeming mean will probably make a bigger contribution than they want to. A guy with his g
irlfriend may be persuaded that she would fancy him a bit more if he was generous rather than mean, whether or not he can afford it.

As so many things at priced at £x.99, people would feel incredibly embarrassed about donating a penny, so they might feel obliged to make it up to the nearest fiver! Do that in 5 shops every Saturday and see how you last till the end of the month.

Hilariously, the spur to encourage bigger donations will be that the donor would be rewarded with a letter from a Minister ....WOW!!!!!!!!!!!!!!!! And National Lottery winners who contributed a large sum would be publicized on television...!

What? I thought that television channels decided what was publicized, not the government!

Francis Maude, the minister who will launch this idea, which is alrea
dy operating in Mexico and Colombia, wishes to foster a culture of charitable giving. He wants to change social attitudes that encourage giving, which is strange, because the UK has an excellent record of giving to charity; in fact it is rated 8th most charitable nation in the world with 73% of people giving money a total of £10.6 billion per annum.

(Before we get too big headed, Britons are much less generous at donating their time by volunteering compared with many other countries possibly because we work longer hours than most other people.)

Mr Maude said: “If we can agree as a society the values that underpin helping each other we can unlock huge potential for a stronger, BIGGER society.” He said that he didn’t want to compel people to give, which is very very kind of him. But, you have to wonder, is it the next step?

Ministers apparently have concluded that individuals and businesses need to be reminded of the “warm glo
w” that results from helping others.

Oh have they?

How come we need to be reminded of that when 73% of the population already gives, and therefore presumably already feels the warm glow? Duh!

I actually checked my calendar when I read the article in the Telegraph. Was it, I wondered, April?

How bloody dare they? Like the majority of Scots I already make my charitable donations to organizations for which I have huge respect; organizations where I know that 100% of what I give will be used to help the target population.

I’d no more entrust my charitable giving to a bank, and thence the government, than I would paint the Scott Monument orange. Imagine entrusting your money to the Roy
al Bank of Scotland, or Tescos... for them to pass on to George Osborne!!! Yeah right!

They’ve come out with some halfwitted ideas so far; this just has to be the most insulting and ridiculous yet.

Pics: (1) The fabulous Scott Monument in Princes Street in Edinburgh. (2) Chuggers, or Charity Muggers in the street; they pick the vulnerable and won’t let them go till they have a donation. This will end up the same. (3) Francis Maude: If you had a son and the family name was Maude, would you call him a gender ambiguous name? Just a thought! (4) This kind of charity collection is intrusive, but easier to avoid if you don’t have faith in the organization, than being asked for a donation at the point of sale. (5) Maybe it would be better for Francis to encourage us to DO more rather than pay more. There is a far rosier glow from activity and that is where we have a shortfall on other countries.

Monday, 20 September 2010

WE ARE ALL IN THIS TOGETHER ....(EXCEPT THE OLD AND THE FRAIL WHO ARE EVEN MORE IN IT THAN THE REST)!

“But the Future Jobs scheme is to be axed in the Coalition cuts. It is by no means all. Liverpool City Council has been told its Area-Based Grant budget – the money local councils get from central government – is being cut by £9.28m for the current financial year. And that is before the Coalition cuts proper start next year.

Already being axed are funds for a project to help unemployed people in the most deprived areas of the city set up their own businesses. A project to speed the rehousing of people
made homeless by mortgage repossessions will go. Free sports and recreational facilities for young people have already gone. Free fruit and vegetables for primary school children have been reduced. A keep-fit programme to help the elderly stay active has been cut, which will almost certainly send some of them into residential care earlier than need be the case.

Quit Smoking and Cut Down on Booze projects have been cut. So have handyman services available to help the old and frail cope. Grants available for families with children with Specia
l Educational Needs have been cut. So has a scheme to provide free smoke alarms for the old and vulnerable. “

The above piece is cut from the Independent (linked to the story).

It gives some idea of the kind of things that are being cut in the interim. And all this is before the real cuts start to happen next year.

We are told that we must have cuts so that the UK government can replay the massive borrowing undertaken by the last government. By my recollection at least half of that borrowing was done to secure the future of the banks, which are now, according to
The Telegraph are making excess profits for loans....... and which as we all know have returned to the champagne and oyster lifestyle that they were enjoying in the run up to the crash that they created.

Don’t you just think that it’s wrong, plain wrong, that the old and the frail, the unemployed, the sick and the poor are paying back the money these ...erm... bankers..... gambled and lost?

I’ve been here before with this story and I make no apology for highlighting it again. It wasn’t these people’s fault, and although at least some of them wouldn’t mind sharing some of the pain, this kind of cutting is disproportionate.

Lack of some of these things will kill people, of that there is no doubt. For others it will just mean lives, already unhappy, will be made a bit more miserable. And in some cases, as hinted in the story, it is short-termism staring them in the face. If old people’s services are reduced, some will have to go into homes and that, in the end, as well as being totally miserable for them, will cost more money.

If this is only the start, what will we be left when the real cuts start? And David Cameron, for whom, and for whose family, none of this is even vaguely relevant, tells us that when the crisis is over the cuts will not be restored (but of course the 50p tax rate will disappear).

And we're all in this together?

Aye right we are.