Lloyds Banking Share Discussion Threads

[minerve 2] 16/4/2020 11:40

maxk

Wearing a N95 mask is helpful because your breathing creates negative pressure into your lungs.

Wearing eye goggles stops people sneezing into your eyes and the odd aerosol virus attaching to your eye surface.

As far as your clothes are concerned, unless someone sneezes on you directly, by the time you get home any virus that attempts to attach to your clothing will most likely have shedded away - walk around your garden for 10 minutes if you are worried.

Put your clothes in the washing machine at 60c or above, job done.

Nothing is perfect but this isn't a virus that easily catches like measles.

If you reduce your risk it means that even if the virus gets into you it most likely will be a very low viral load which means you have a greater chance of not getting ill at all or having a mild set of symptoms if you have it.

[maxk] 16/4/2020 11:33

You have to touch the clothes to do that.


Come on Min, you aint that slow.

[alphorn] 16/4/2020 11:32

1carus - yes, pension plans will have taken a big hit. The risk with final salary schemes rests with the employer - if they stay solvent. The government will have to pick up that loss if the employer goes belly up.
I am not so optimistic about current lows.

edit: have just seen Ken's post. Will the government also pick up losses on those annuities too?

[minerve 2] 16/4/2020 11:30

Yes, and you put your clothes in the washing machine.

[kenbachelor] 16/4/2020 11:30

1carus - I've said repeatedly that the pension companies can't survive for ever. Phoenix have been paying me 8.16% for nearly 30 years and I'm even questioning whether I'll get it next month, let alone next year.

[maxk] 16/4/2020 11:24

You have to take the kit off.

[1carus] 16/4/2020 11:13

Alp, my losses are not all LLOYDs, they were across the board. If you were lucky enough to pull all of your money out of the market tax efficiently, IE everything in an ISA, or be holding stocks that have not been affected then you will be in a very small percentage of people. One of our biggest assets is pensions, and most, one way or another are invested in the markets. Even pensions like 40/60th schemes will be affected by this, I suspect many will have more forward liability than assets after this. As long as they are managed well they should recover, time tends to be the healer. The markets have dropped 20-30% more in some cases, if you had a spread of assets there is a fair chance you have lost 25% of them. On a million quid, that's a lot of dosh. The upside is that you can generally add quite safely in these lows, so that when the recovery happens you end up in a better position. Hence handy to have cash when needed.

[minerve 2] 16/4/2020 10:57

Jimarilo

Those masks don't protect you. The virus can go through the material and around the sides. They are just very effective in stopping others coughing, sneezing on stuff and touching their mouths.

You really need a N95 or FFP3 mask with valve. If you are going to wear them though you will also need to protect your eyes with some goggles preferably with tight seal against the skin.

The good branded FFP3s like Honeywell and 3M are almost perfect at keeping viruses out if you wear and fit them properly. I think it is about < 2% so not entirely perfect but close. They are electrostatically charged and I think they stop everything greater than 5nm - something like that, I can't remember the exact figure.

If you get one you need to learn how to put them on and take them off properly and if you shop rarely and for short periods then apparently you can reuse them just by letting them sit out of the way for 72hrs or greater.

[mikemichael2] 16/4/2020 10:43

How about some of these??

[cyberbub] 16/4/2020 10:41

Exactly Alphorn - if there are issues with international trade then the way to deal with them is through rational and constructive dialogue. Not Trumpian tariff tantrums. Not rage-quitting the world's richest free trade zone.

[jimarilo] 16/4/2020 10:39

How many masks do you want ?

[alphorn] 16/4/2020 10:37

bb - I posted on another thread last night that 11 cargo freighters are flying into Geneva next few days from China to restock just two hospitals (CHUV & HUG). That is after 5 freighters have already flown in.
Gives an idea of the quantity of goods needed to service each hospital.

[alphorn] 16/4/2020 10:33

smarty - I thought that my post was very clear.
I did not understand the issue until someone took the time out to explain it to me. It is a very real issue and being dealt with by several countries.

[bargainbob] 16/4/2020 10:32

There is not enough masks hence they lie they are of benefit.

[smartypants] 16/4/2020 10:29

Alph
The minimum wage is the minimum wage, there is no below
Do you mean the origional countries minimum wage?
The big players in Europe all have decent minimum wages that compare or beat the UK's
Un like the UK where only the tractor unit of a "truck" combination have to be registered and taxed, EU country operators also have to register, tax and insure the trailer as a seperate unit,(see the seperate number plate?) double the expense?
If you want UK inporters to pay UK transport prices to have goods imported from the EU then UK prices go up
If you want UK exporters to hire UK transport to transport their exports in to the EU then there exports no longer compete with local EU supliers, plus
EU exporters don't give return loads to UK transport because the cost is higher
UK has a nation wide shortage of HGV drivers too...why
High training cost, long unsocial hours, low pay!!, no facilites provided (unlike EU) unhealthy life style
Lots of UK drivers used to come from military trained, not so many now, and all those "retrained" miners..are dead

[aljm] 16/4/2020 10:28

it is more like Social Distancing , when it suits , like Isolation , when it suits, its one big Farce, and btw, why do i need a vaccine ? i have already got my own 'in built' vaccine ? so WHY do i have to be Isolating ??

[alphorn] 16/4/2020 10:23

#612. Yet, no doubt, when they turn to the Brexit strategy they are all potential Nobel prize winners. How are the fairies at the bottom of your garden today?

[aljm] 16/4/2020 10:17

i am betting the US will start releasing States from lockdown within next 2 weeks, yet our shower of shyte dont even know what day we are on , they are a complete disgrace !! it is as if the WANT the Country to fail, i cannot see one thing they are doing that contradicts this.....

[jimarilo] 16/4/2020 10:14

Nadine Doris says we should be in lock down until we have a vaccine

What drugs is she on ??

[cyberbub] 16/4/2020 10:13

Some people are obsessed with invisible sky guys.My post had *zero* to do with sky guys or skin colour. Just minimum wage.