Lloyds Banking Share Discussion Threads

[joestalin] 10/2/2021 22:08

Simple - all economic migrants should be sterilised. If you do not agree, then stay in your own country and breed responsibly.

[k38] 10/2/2021 21:45

As of January 29, 2021, based on the latest United Nations estimates Asia population is equivalent to 60% or 4,663,943,891 of the total world population of 7 billion. Food insecurity, diseases like Aids, TB and malaria, wars and immigration..... Sterilisation is the only way to go.Why, ffs, you have to have 6 to 8 kids when you are unable to feed yourself!!

[jordaggy] 10/2/2021 21:33

Scruffy, II don't actually administer the SIPP, it's 3rd partied out, hence the drag and towing and throwing, they need to bring it in house...but of course they won't...they are cheap for larger SIPPS, which is why a skinflint like me remains with them, painful as it is.

[xxxxxy] 10/2/2021 21:28

Jack Speake10 Feb 2021 7:06PMThere has been virtually no impact on the UK financial sector despite the EU's best efforts, before and after Brexit. The ironic thing is that there would likely have been greater impact if we stayed in the EU - remember the Robin Hood tax designed to fleece billions from UK and overseas investors using London, remember the edict they passed that barred non-Euro countries from Euro interbank settling (which we managed to temporarily overturn in court).The bottom line is, that with everything else about the EU, the Germans and the French were trying to game the rules to move finance business from the UK to France, Germany while keeping our banks and consumers tied to their rules.... Daily Telegraph

[scruff1] 10/2/2021 21:24

jordaggy
Its a while back now but I seem to remember that the techno side of II always seemed a bit basic. Come to that why is the font on here reminiscent of an old typewriter? Cant it be upgraded to summat a bit more aesthetic

[dr biotech] 10/2/2021 21:17

I’m with the Halifax and I’m going to be better off with the changes as I trade more than once a month. I moved most of my holdings there from HL as I was paying about £400pa in platform fees. You have to do the maths though. I hold some funds where HL offers a discount on the annual charge, but it’s still more than HSD once you add the platform fee.


I use IG for spread bets, always been ok.

[jordaggy] 10/2/2021 21:12

II SIPP drawdown is a very painful duplication of lots of paper form filling and posted to and throw and repeated all over again next drawdown...pathetic, they won't invest in an online SIPP system and their senior staff won't take calls from me, so I can enlighten them on their totally inept system...cowards.

[scruff1] 10/2/2021 21:12

diku
Agreed totally. Been on a few years and still cant remember where to find basic things. They are not that easy to contact either if you need to. That was one of the great things about TDW. Phone was always answered almost instantly - great customer service. Also you didnt have to do too many deals before you got a cheaper rate. Youd have to sell your house to get cheaper rate at HL

[chinahere] 10/2/2021 21:09

Sterilise the population would be the way to go.

[pigeons] 10/2/2021 21:04

a friend of mine said a strange thing.if the world is nearing its end for man kind ,How would you reduce the mankind population ,with out causing panic,give every body a
vacine that would not show the fatal side for some years

[diku] 10/2/2021 21:03

Think HL is overly complicated to navigate...

[maxk] 10/2/2021 20:49

The state is making a huge power grab, and it won’t be giving it up

The pandemic has sanctioned a massive expansion in the state, unlikely to be reversed - big government is back


JEREMY WARNER
9 February 2021 • 7:00pm
Jeremy Warner




First it was lockdown, then it was test and trace, then vaccines, and now total isolation from the rest of the world, on pain of 10 years imprisonment for travellers who fail to disclose they’ve been to a country on the Government’s red list.

Like a constantly receding destination, salvation from the wretched virus is seemingly always just beyond the horizon, one last heave away from success.

We march in hope only never to arrive, with prospects of a credible and sustainable exit strategy again looking as far away as ever.

The Government promises to publish a comprehensive road map out of lockdown later this month, yet with each passing day, the criteria required for an easing of restrictions get more demanding still.

We’d all assumed that once everyone above the age of 50 had been vaccinated, which on the present impressively fast rate of progress should be by early April, we’d be home free, as there are very few hospitalisations and deaths among those in younger cohorts.

But no, say the scientific advisers and modellers. A virus running free among younger citizens who are not yet vaccinated could still exact a heavy toll.

Not until 70pc of the population is inoculated can we start to feel remotely safe, they say, and even then, we will still need to worry about new, vaccine-resistant variants.

Is there no end to the current misery? Seemingly not. Yet it is also a statement of fact that, as Colonel Bill Kilgore says in Apocalypse Now, “someday this war’s gonna end”.

Well let’s be optimistic, and assume that today’s vaccines do indeed do the trick, or at least that the vaccine developers can stay ahead of the mutants with booster jabs.

If that’s the case, we should be over the worst by the late summer. What sort of a world will the war against Covid leave behind?

Anyone dreaming of a return to the old normality can forget it. The disease marks a defining point in history, where lots of things which have been incubating for years finally fall into place and the world shifts decisively on its axis.

Even though not a particularly serious pandemic by some past standards (the plague, Spanish flu), there is an air of fin de siècle about Covid, a shifting of the tectonic plates that tells us that things are never going to be quite the same again. Perhaps the biggest of these changes, and for the more liberally minded among us one of the most worrying, is a much bigger and more intrusive role for the state.

This is often the result of a serious crisis; all of a sudden, the state finds that it is needed, that when all around is frightened chaos, it is the only game in town, and it demands something back in return.


Covid has allowed the Government massively to expand its reach and powers, nationalising great swathes of the economy and, through its social distancing restrictions, reaching deep into the way people live their lives.

Under the guise of the public health emergency, Covid has also – via test and trace and mass vaccination – sanctioned a great leap forward in the surveillance society.

Don’t believe this is all going to be reversed once the pandemic is over. The politicians and their officials find they rather like the new authoritarian reality. They are not alone; citizens seem only too happy to embrace the warm blanket of protection and uniformity the state offers in times of crisis.

Just as we trumpet our own moral superiority over the authoritarian Chinese, we find ironically that Covid conspires to make us more like them. Freedom suspended fast becomes freedom removed.

It took decades for the economy properly to extract itself from state control after the intrusions of the Second World War. Much the same pattern is likely to assert itself with Covid.


The drift back to state interventionism was possibly preordained well before the disease struck; the neoliberalism of the past 40 years has been under populist siege for a long time now. But Covid has made it a reality.

I don’t want to exaggerate; the central pillars of the free market, democratic system – transparency and accountability – remain substantially intact.

What we see instead is the thin end of the wedge, or an incremental erosion of the old polity, such that, as occurs under fully developed authoritarian regimes – where there can only be one way – it becomes ever harder to distinguish truth from untruth.

The new reality finds its expression in the economy too, where things are only kept afloat through unprecedented levels of state intervention.

The money claimed through support schemes has topped £130bn


There will be a price to pay for this support, which will be in much higher levels of state control and tax than we have seen in the recent past.

As the state reasserts its authority over the commanding heights of the economy, another unwelcome friend from the past is also making a comeback – the “corporate state”, a semi-corrupt, you scratch my back and I’ll scratch yours world of partnering with big business to pursue the Government’s social and economic aims.

It is hard to fault the Government’s determined approach to partnership with Big Pharma over vaccines, which was born out of urgent need, but it sets an unfortunate precedent that gives licence to far less benign forms of industrial interventionism.

All over the shop, the market economy is in retreat; it is hard to see it coming back in anything like its previous form, even as Covid subsides. Almost overnight, we have become, as Andrew Hilton, head of the Centre for the Study of Financial Innovation think tank, has put it, “a more permissioned and a less permissive country”.

The same applies to the international scene, where, worryingly for the agreed global approach required to tackle climate change, a more nationalistic, self-contained, less globalised and integrated order is fast taking hold.

International travel will remain less easy and more expensive for long after Covid is tamed. Far from bringing about the starry-eyed imaginings of a more equal society, the pandemic and the policies applied to countering it are likely only to further enhance existing inequalities of wealth and opportunity.

There is huge potential in Covid for positive change. It’s just that the negative variety is all too likely too.

[cheshire pete] 10/2/2021 20:33

Tend to avoid investing in companies that are regulated unless it is clear that their bias against success is exceeded by their incompetence in understanding the business.

[scruff1] 10/2/2021 20:24

I will be interested to know what you think because I'm not overly impressed with HL. Its ok but my fave was TDW. Gutted when II took them over. II are rubbish imo though they were very good once upon a time - their chat boards were brilliant (before I came on here in 2006). When they changed nobody could understand them. Dont remember one member who had a good thing to say about them - apart from the II technicians who kept telling us how great they would be - eventually. Loads of great posters disappeared gradually.

[scruff1] 10/2/2021 20:15

You will be able to transfer your Hx isas into your new one. Sometimes theres a fee but not usually as it would work both ways

[jl5006] 10/2/2021 19:33

K 38
guess u have access to netfix
Songbird prime video - how man is manipulated in a virus situation - the barrier on netflix another gruesome fiction - but close to what is happening
We are in a very bad dark place - and many very bad things will take place.
Trust noboby tell no one- Harlan coben

[asa8] 10/2/2021 19:19

Can see a summer of civil unrest here and this government fully deserves what’s coming end this lockdown madness it’s crazy

[k38] 10/2/2021 17:57

We don't have to accept the crxp..We have privatised utilities, the railways, the bus services and so on..Why should the BBC be any different.

[utrickytrees] 10/2/2021 17:39

EUreka, I may have found an acceptable non EU substitute product to a Campo Viejo tamparanillo Rioja in the W O Breede river valley Pinotage from South Africa. It's not quite as good but it's pretty damn close :))