Lloyds Banking Share Discussion Threads

[bargainbob] 11/4/2020 11:59

Mate worked at Queensferry then Greenock.

[minerve 2] 11/4/2020 11:58

bargain

Oh, I remember the AS/400, interesting. I worked at IBM R&D Hursley. Gorgeous place to work.

[bargainbob] 11/4/2020 11:55

Bad news Charlie Fairhead chucked the towel at Holby General.

[minerve 2] 11/4/2020 11:52

4 months into the virus and will STILL haven't got the protective gear for nurses.

What is going on?

Yet, don't worry everyone, oracle Doris is on the mend and Holby City have working ventilators and have only taken over 2 months to offer them (WTF?)

[bargainbob] 11/4/2020 11:50

Minerve my school mate Colin MacDonald worked at IBM late 80's.

Worked with the AS400 on many project also in the 80's myself.

[minerve 2] 11/4/2020 11:48

Places like IBM R&D needed clever people to apply their engineering knowledge, not sit around thinking about useless abstract concepts like you. ;)

[minerve 2] 11/4/2020 11:46

Pierre, this is a quote from wicki:

Some polytechnics were often seen as ranking below universities in the provision of higher education because they lacked degree-awarding powers, concentrated on applied science and engineering education and produced less research than the universities, and because the qualifications necessary to gain a place in one were sometimes lower than for a university (the failure rate in the first year of undergraduate courses was high due to a rigorous filtering process). However, in terms of an undergraduate education this was a misconception since many polytechnics offered academic degrees validated by the CNAA from bachelor's and master's degree to PhD research degrees.[4] Also professional degrees in, for instance, engineering, town planning, law, and architecture were rigorously validated by various professional institutions. Many polytechnics argued that a CNAA degree was superior to many university degrees especially in engineering, due to the external independent validation process employed by the CNAA, the oversight of the engineering institutions, and innovations such as sandwich degrees.[5] Such innovations made a polytechnic education more relevant for professional work in applying science and advanced technology in industry.[6][7]

[bargainbob] 11/4/2020 11:44

Sandwich course degrees were fanatastic especially in engineering .

Though university was not for the farmer jacks types of this world , pile them high sell them cheap .

Everything has it own merits , anyone dimiss one over the other is foolish.
It takes a lot of different ingredients to make a good soup.

[bargainbob] 11/4/2020 11:43

Jacko its not hard to find , though know the older generation are not internet savvy.

DYOR.

[minerve 2] 11/4/2020 11:43

Is a useful degree from a polytechnic (Minerve) more use than a useless degree from university (Pierre's daughter), or is being a complete unqualified thicko (Jacko) of more use?

Discuss.

[pierre oreilly] 11/4/2020 11:16

MAX, 160

Those taking the mortgage holiday should have read this board if they didn't understand the implocations. I said than that the fad of paying off a pound a week extra and therfore paying off the mortgage months earlier is just simple maths. Taking a 3 months mortgage holiday is the exact same maths, except this time the mortgage and interest payments escalate quite a lot due to those missed 3 months payments. So an extra couple of years on the mortgage plus and extra few grand to pay off. No doubt the regulator will in time fine lloyds and award mass compensation to mortgage holders who lloyds didn't explain that a 3 month holiday resulted in a longer mortgage.

I think these days, being challenged of common sense is extremely profitable - you do stupid things, and the banks are ordered to throw many thousands at you for your stupidity!

[tygarreg] 11/4/2020 10:43

I think that each wave will come every 6 to 8 weeks as they relax each lockdown. Hopefully it will have burnt out after wave 3 or 4 before winter. And hopefully as we build herd immunity each wave will be smaller. Unless of course we can stop the spread completely in every country in the world! That's very doubtful!

[pierre oreilly] 11/4/2020 10:21

Minny, your ignorance of degrees is incredible.

Polytechnics did not give degrees under the same criteria as universities.

A university is a university by virtue of being granted the privilege of awarding degrees. Each university set their own exams and awarded degrees in any manner and whatever level they sought fit. Obviously, even before polies were abandoned as a bad idea, different unis have widely different qualities of degree. For example, the sylabus for my degree from London was Much more comprehensive with many more topics covered than the same degree from Salford (where incidentally, I did a post graduate business qualification before my PhD studies). To get into Cern for exmample at a support level, you needed a first of 2 1 from a university on their list, not any old uni and certainly you wouldn't even apply with a poly degree. Soz and all that.

Poly's couldn't award their own degree. Those who got a poly degree got a cnaa degree (read yours). Obviously, and this is onvious to all but those with a cnaa degree, the standard was much lower than even the most feeble universities. Oxbridge wanted the top 0.1% academically, and the expected standards were the highest, other now Russel group took the next 2 or 3%, and had high expectations, the redbricks took the nest 2% and were less demanding, and poly took the next batch down requiring low A level grades. Effin obvious, factual, but you'll argue the toss that the very obvious wasn't the case. That wss the situation in England which i expect applies to other uk countries too. (Today of course, with all polys now universities, standards have slipped so very far that a degree from some unis is worth less than no degree at all, imv, such is the cruelty of the current system - a debt of 40 grand and no chance at all of any type of professional job, or even much a job a step up from a burger flipper.

[diku] 11/4/2020 10:18

Think the reason for these new nightingale hospitals still being built across Country are as a back up plan just in case of a wave 2 coming during winter months...relief pressure from the normal NHS activities...

[tygarreg] 11/4/2020 10:00

An interesting fact is that only 0.1% of the Euro populations have been diagnosed with Covid. Say it's actually 10 times that figure to account for unrealised contagion. Thats 1%. That means there are still 99% of population still at risk! If we dont kill this virus off completely, which seems highly unlikely or possible, it will not be over for a very long time. New nightingale hospitals still being built across the country suggest awful months ahead.

[maxk] 11/4/2020 09:50

Off topic .. sorry



Homeowners taking coronavirus mortgage payment break could face £2,000 penalty

Fears that borrowers have taken a payment break without realising the repercussions


By
Adam Williams
10 April 2020 • 5:00am



Homeowners who rushed to take a mortgage payment holiday have been warned they could pay thousands of pounds more for their loan.

As the coronavirus outbreak took hold, the Government announced that all mortgage lenders would be required to offer a three-month payment break to customers who said they were in financial difficulty.

Huge numbers have taken advantage of the payment break. Lloyds Banking Group, Britain’s biggest mortgage lender, said that more than 300,000 payment holidays have already been granted.

However, experts have warned that many borrowers have requested a payment break without understanding the repercussions. Even though customers are given a break from payments, the amount owed to the bank does not change and interest continues to accrue during the holiday....