Lloyds Banking Share Discussion Threads

[ekuuleus] 31/10/2020 06:43

New bank, I ticked the box stating indont want ppi and was still charged ppi.

For a lot of people, it was forced upon them, not a choice to take ppi.

[jl5006] 30/10/2020 22:20

IF
Just IF
Then we have a chance
If not Humpty Dumpty
And forget the mexican wall.
Bit like the duke of york.

[k38] 30/10/2020 22:06

Mystery... (CNN)Earlier this week...Missing ballots in battleground, west Chester Pennsylvania.Trump was right to complain.. Democrats will do whatever is needed to win this election.

[stonedyou] 30/10/2020 21:32

Donald Trump approval rating: President's approval surges four days from election
DONALD TRUMP and Joe Biden have four days left until US election voting concludes,


with both now closing out their respective campaigns ahead of November 3. While

polls suggest an incoming victory for the Democrat nominee, the President is

making some late gains in approval.


President Donald Trump has suffered from a severe deficit in the polls this year,

as he tackles the coronavirus pandemic and growing social unrest with little

success. His critics accused him of deepening divisions across the country, and

his image took a hit following a bout with COVID-19. But he has started to recover

as experts suggest the polling chasm between the two candidates will narrow.

According to the latest polls, support for the President has recently surged.

He has spent the last couple of weeks trying to escape from a well of disapproval, his highest since July.

Poll aggregators with FiveThirtyEight found an average of 54.2 percent of people disapproved of the President on October 16.

The same analysts found 56.1 percent of people disapproved of the President back in June.


But just days before the election, his approval has crept up.

FiveThirtyEight notes just 52.8 percent of people disapprove of him now, while 43.9 percent approve of him.

Much of his approval comes from Republicans, a vast majority of whom currently believe the President is doing a good job.

A poll released by Gallup shows 95 percent of Republicans approve of Mr Trump's progress so far.

[polar fox] 30/10/2020 21:24

But that wasn't an incumbent vs challenger. It doesn't apply when two challengers go head to head.

[stonedyou] 30/10/2020 21:16

Trump victory! Political scientist claims US President WILL defy odds again in US election


DONALD TRUMP will defeat Democrat Joe Biden to win the upcoming US Presidential

election, a political scientist has predicted. While Joe Biden has been leading

President Trump in most national opinion polls heading into the November 3

election, American political scientist Helmut Norpoth claimed the Republican is

heading for victory.


By REBECCA PERRING


Mr Norpoth said that Mr Trump has a 91 percent chance of winning compared to his rival Mr Biden, who has just 9 percent of taking the US Presidential crown. The political scientist’s predictions, in a study released in March, is based on the so-called primary model, which analyses the previous six elections that have taken place in the US. Mr Norpoth has predicted the results of five US elections correctly with the only mistake being Al Gore's defeat to George W Bush in 2000.


He said his predictions are based on the first party primaries and "the way in which the candidates develop in those first elections”.

The political scientist said this “is a very good indicator of what will happen in November”.

Writing on the Stony Brook University, where he works as a professor of Political Science, he said: “On the Democratic side, Joe Biden and Bernie Sanders split the Democratic primaries in New Hampshire and South Carolina, while Trump comfortably won the Republican primaries in New Hampshire.

“When I saw that in New Hampshire Trump got 85 percent of the vote and that the closest opponent was Bill Weld with 10 percent, I was pretty sure what the model was going to predict.

[maxk] 30/10/2020 21:15

Evening polar.


Lots of forecasts the last time too, and we know what happened.

[k38] 30/10/2020 20:45

My bet on Trump!He may also surprise us with a big % win.

[maxk] 30/10/2020 20:42

"mostly reliable predictor"


Biden makes it by the skin of his teeth, at least on the SPX index




A bookies delight

[polar fox] 30/10/2020 20:31

Wall Street has just closed and, via a time-honoured and mostly reliable predictor, has called it for BIDEN, but only by a whisker.

Here's how it works.

On the SPX, the pivotal figure is the close at the end of July, 3271.12.

If the close at the end of October - tonight- is higher than July, then the incumbent will be re-elected.
If tonight's close is lower than July, the challenger will be elected.

It closed tonight at 3269.96, lower than July by just over one point. Biden makes it by the skin of his teeth, at least on the SPX index!

The bookies in the UK still have Biden at 2/5, 4/9, 1/2 - a firm favourite.

We'll see, hopefully next week and not after Thanksgiving.

[polar fox] 30/10/2020 20:30

Wall Street has just closed and, via a time-honoured and mostly reliable predictor, has called it for BIDEN, but only by a whisker.

Here's how it works.

On the SPX, the pivotal figure is the close at the end of July, 3271.12.

If the close at the end of October - tonight- is higher than July, then the incumbent will be re-elected.
If tonight's close is lower than July, the challenger will be elected.

It closed tonight at 3269.96, lower than July by just over one point. Biden makes it by the skin of his teeth, at least on the SPX index!

The bookies in the UK still have Biden at 2/5, 4/9, 1/2 - a firm favourite.

We'll see, hopefully next week and not after Thanksgiving.

[misterbluesky] 30/10/2020 20:26

Boris the Liar...

Brexit BLUFF: Ridge calls out Boris' empty no deal threat after talks 'magically restart'

SKY NEWS' Sophy Ridge has called out Boris Johnson for issuing an empty no deal threat last week after the Brexit negotiations "magically restarted" this week.


Sky News' Sophy Ridge questioned the seriousness of Boris Johnson's threat to walk away from the Brexit talks, after the negotiations resumed this week. Boris Johnson stunned EU officials last week after his spokesman said the trade talks between the two sides "was over". However, following a week-long standoff, talks over a post-Brexit trade deal have resumed in London this week.

[utrickytrees] 30/10/2020 19:32

well done freddie I'm sure most of us gammons accept that were fair game but theres a difference between sport & kettling by the far left.

[k38] 30/10/2020 18:47

Reality check.Labour is more divided today than ever before thanks to latest idiot leader and the discrimination of the Jews from the party.. or the discrimination was a play card on their hands to control the labour party?Whatever the reason they succeed.

[bargainbob] 30/10/2020 18:34

Take care all

[jl5006] 30/10/2020 18:33

Just look at the BBC homepage.
What is it with the destroyers of common sense -
They think they rule the uk - Yes
And so many beliee - may u die in pieces

[xxxxxy] 30/10/2020 18:28

Many can see the Brexit future's bright, we just need to step outsideOctober 30, 2020By Jonathan SaxtySO MUCH NOISE gets made about the ongoing negotiations between the EU and UK we forget the enormous economic benefits Brexit offers Britain in the years ahead. According to Joe Mayes, Deirdre Hipwell, and Lucy Meakin for Bloomberg: "The case for Brexit" which "leaned heavily on the purported long-term benefits of being outside the now 27-member EU" includes "new regulatory freedoms, an independent trade policy and a stricter immigration system to reinvent the labor force."  According to the authors: "The UK will have more power to shape its regulatory environment and cut taxes. It already has one of the lowest rates of company tax in Europe, but the country could go further. The government could also expand the "patent box," which reduces taxes on profit from patented inventions to foster research and development. It was constrained by EU rules on state aid." They quote Mark Price, former deputy chairman of John Lewis Partnership, who said that "Europe is worried the UK will set up near-shore competition to the continent". The right tax regime would make Britain more attractive as a base to export to the EU, he said. Meanwhile, according to economist Julian Jessop, Britain can take a more permissive approach in emerging industries such as genome technology. Mr Jessop "noted data protection and regulation of the Internet as other areas where the UK would be able to diverge." Meanwhile in the airline industry "Britain would have the ability to cut air passenger duty on the return leg of domestic flights, which is currently prevented by a European Commission ruling."  Another area in which the UK could benefit enormously is financial services, where the UK already has a huge edge, since "insurers may soon fall outside European rules known as Solvency II". According to Steven Findlay, head of prudential regulation for the Association of British Insurers, insurance companies could, in the future, invest in a broader range of assets while allowing them to take more risk. Meanwhile, according to Andrew Chapman, head of investment banking at Peel Hunt, Brexit could boost the market for initial public offerings by removing the €8million ceiling on the amount companies can raise from individual investors without having to issue a prospectus. Turning to fishing, according to the Bloomberg writers: "Though it accounts for only 0.12% of Britain's economy and employs 24,000 people, the industry is symbolic after membership of Europe's single market precipitated its demise. For a sense of how Britain could make the most of its fishing gains, Iceland provides a model. Fish and associated industries make up 6% of the Nordic country's gross domestic product, with fish left-overs being used in pharmaceutical and beauty products while fish skin is used to treat injuries."  Currently, we don't even talk about fishing by-products. Aside from cutting tariffs on products which protect the interests of other European countries, British industry could source more inputs locally, according to Andrew Underwood, a Brexit supply chain and procurement consultant at KPMG. That will particularly apply to just-in-time manufacturing, he said. Given Britain's world-class university network – putting the UK in pole position for growth technologies like 3d printing (and given that Germany risks falling behind in growth technologies) – Brexit could offer enormous potential for British manufacturing in the years ahead. Meanwhile, according to Bloomberg: "To help develop domestic production, the U.K. will be able to set its own state-aid rules, meaning it could expand the amount of financial support it gives to promote specific industries." This appears to chime with what Wolfgang Münchau argued, when he said that Brexit "gives Britain an opportunity to decide how it helps new business", and that maybe "there could be a fund that protects new venture capital-backed start-ups?"  The positive case for Brexit must keep being made and expanded as we recognise new opportunities that were not at first apparent.  As the coronavirus crisis continues – and the cure looks set to have further-reaching implications than the disease – it will be crucial for Britain to remain as agile as possible as it navigates this economic obstacle course. Utilising its network of world-class universities as well as CANZUK, while remaining Europe's leading light in areas like fintech, Britain's future is bright if it has the ambition to grasp the opportunity.