Lloyds Banking Share Discussion Threads

[diku] 17/11/2020 14:41

Ken...it depends which mouthwash you using...

[k38] 17/11/2020 14:27

Sure a Trump state win.. among many others. To my Democrat friends especially to goldfinger ...."If you can't hide don't steal"

[gaffer73] 17/11/2020 14:05

This is holding up well considering the FTSE is - 100, makes a bloody change!

[crazi] 17/11/2020 14:02

I was shown "trained" how to give jabs when a youngster in the Army. When in the field there is no nurse around when you need a jab of the good stuff. There's nothing to it.

[stonedyou] 17/11/2020 13:54

Oh dear!!



Georgia Recount Uncovers 2,600 Uncounted Ballots in One County, Most for Trump.


Thousands of ballots were not tabulated in a Georgia county during the normal vote counting process, state officials announced Monday night.

The 2,600 uncounted ballots in Floyd County were mostly for President Donald Trump. The new discovery cuts Democratic presidential nominee Joe Biden’s lead in the state by about 800 votes.

The ballots weren’t counted because officials in the county did not upload them on Election Night, Gabriel Sterling, who manages the state’s election system for Secretary of State Brad Raffensperger, told reporters during a virtual press conference.


“This is why you do the audits. There’s no issues with any of the equipment or anything, they just didn’t scan these ballots, it looks like, or the card was not put through properly,” he said.

[poikka] 17/11/2020 13:47

Max - "What could possibly go wrong?

Volunteers with no medical experience will be trained to give out jab

Thousands of volunteers with no medical background at all could be trained up to administer the coronavirus vaccine in a bid to deliver the Government's mass immunisation plans.

St John Ambulance will be one of the organisations delivering training to those who sign up, a representative for the charity confirmed on Monday evening."

Not that difficult, max, I was trained to give jabs. Ain't no-one else going to do it for you in the middle of, say, the pacific.

[patientcapital] 17/11/2020 12:54

There’s no great mystery to administering injections. IV I would leave to the professionals but SC and IM are not difficult.

[maxk] 17/11/2020 12:45

Frosty has to do as he's told. If there is a hold up at our end, Doris is de mon.

[kenbachelor] 17/11/2020 12:19

Portside - You told us to use a mouthwash, and now it's all over the news!

[xxxxxy] 17/11/2020 12:01

In today's brief: Frost tells Boris that a Brexit trade agreement could come next week as Cabinet is split over compromising for a sell-out deal. Meanwhile, the EU looks for 'creative solutions' to deal with time constraints and Brussels have budget blocked over rule of law clauses.Frost tells Boris Brexit deal could come soon: David Frost has told Boris Johnson to expect a Brexit trade deal "early next week" and has pinpointed a "possible landing zone" as soon as next Tuesday. However, he also warned that talks could still collapse over fisheries and red tape, with both sides urging each other to "get real" as time runs out. This morning as Frost arrived for more negotiations in Brussels, Sky News asked "Lord Frost, can you get a deal?" to which he replied "we're working very hard to get a deal, but there's quite a lot to do." Cabinet split over sell-out Brexit deal: There has been some suggestion that Alok Sharma and Rishi Sunak have been urging a compromise and some have said Gove is warning of the prospect of No Deal leading to Scotland breaking away. Last night, people close to all three denied the claims and insisted that they were fully behind the hardline strategy. But a Government source said: "It's not a secret that the Treasury has always been anti-No Deal and Michael Gove has concerns about the Union." Others in Cabinet believe that the quality of the deal being offered by Brussels is so poor that the effects of No Deal would be limited in comparison. One source said "it would only be 20% worse than the deal on the table". Harry Cole said on Twitter that there has not been a meeting of the Brexit war cabinet 'XS' since last month and there is not yet one in the diary for this week. There are some 'whispers' of one for the weekend which he says "will be the first hint of white smoke, should that ping into departmental calendars".The Prime Minister's official spokesman commented on the current state of negotiations, saying: "significant differences do remain and key elements in the draft texts are not yet agreed". "What we are working to do is seek solutions that fully respect UK sovereignty. So if we are to make further progress in the coming days, we need to see more realism from the EU on what it means for the UK to be an independent state".EU to find 'creative solution' to time constraints: With time running out and lots still to be agreed, the EU has said it will look to find a "creative solution" to avoid an accidental no-deal Brexit if a trade deal is reached too late to beat the end of year deadline. EU lawyers have looked into plans to rush through a trade deal and in one scenario, a deal would be given a new 'classification' removing the need to have it ratified by every European parliament. Instead, it would only require the approval of EU leaders and the European Parliament.The EU plan to re-categorise the trade agreement as an "EU-only" deal rather than a "mixed agreement" in order to get any deal ready to be implemented by the end of the year. "There is simply no way that this will work as a mixed agreement any more - there is no longer enough time," one senior source said.The EU has historically acted slowly and taken years to come to decisions on similar agreements. One source told Sky News that they were in "completely uncharted waters".UK beats EU to Moderna deal: The UK has secured 5 million doses of 'the most promising jab so far' in combating the coronavirus. The vaccine, made by US company Moderna, was proved in trials to be almost 95% effective at tackling the infection, resulting in a $125 million deal that ensures Britain has enough doses to inoculate 2.5 million people. British officials have been talking to Moderna for months but other companies who can manufacture more rapidly have been prioritised. The Guardian and Metro have taken the opportunity to hammer the government for not securing more earlier, but a health official hit back at claims Britain was 'back of the queue' saying "It is somewhat peculiar that the Guardian and Metro have decided the U.K. securing 5 million vaccine doses is somehow bad news. Alok Sharma and the VTF have done a fantastic job on this - the EU still haven't got a deal with Moderna."Corona budget blocked by Hungary and Poland: The EU budget that was hailed as a huge victory by bureaucrats during this pandemic has been blocked by Hungary and Poland over a clause that ties funding with adherence to the rule of law in the bloc. Back in July, the EU's marathon four-day summit of constant infighting managed to eventually produce a budget and stimulus package. The entire budget now hangs in the balance after the veto over the rule of law clause, and the situation looks difficult to resolve. Even if EU leaders got rid of the disputed mechanism altogether (something which the big countries say will not happen), the budget and recovery fund could then be vetoed by the EU parliament which has insisted on its inclusion.UK and Kenya boost trading ties: The UK and Kenya held the second Economic Development Forum yesterday, where funding was announced to increase trade and investment opportunities. After successful negotiations for a rollover trade agreement, the UK looks to expand its trading relationship with Kenya and the wider East African Community. British High Commissioner to Kenya, Jane Marriott, said: "Today's Forum is helping our countries trade more, invest more and create more jobs. It builds on the initialling of the UK-Kenya trade agreement earlier this month, which will ensure trade continuity between our countries."Australia and Japan team up to counter China tensions: Australia and Japan have taken a major step towards signing a long-awaited defence pact which will enable both countries to intensify military cooperation in the face of rising tensions with China. Prime Minister Scott Morrison and Japan's new Prime Minister Yoshihide Suga announced an "in-principle agreement" on the Reciprocal Access Agreement after holding their first face-to-face meeting in Tokyo. Mr Morrison hailed the agreement as a "pivotal moment in the history of Japan-Australia ties".The rise of the Asia-Pacific: On our site today is an article by Professor of International Economic Law at City, University of London, David Collins. His article offers some early thoughts on the RCEP trade agreement, that he believes has shifted the world's centre of economic gravity to the Asia Pacific. You can read the full article here.For the latest news and developments throughout the day, please do follow @GlobalVision_UK on Twitter.Thanks for reading, and enjoy the rest of your day.

[xxxxxy] 17/11/2020 11:50

The EUSSR is nothing without the Great UK.No DealWTO

[xxxxxy] 17/11/2020 11:48

Human Rights Now.Liberty.Freedom.Democracy.No Deal. We voted for that.WTOProject EUSSR = Project FearWTOWTOWTO

[sikhthetech] 17/11/2020 11:48

Freddie,
Thanks for housing link.
The problem with the housing market is the gap between avg wages and avg house prices is too wide.
The govn schemes to make it easier for buyers to get on the housing ladder are flawed, eg the Help to Buy scheme. It was a major contributory of the leasehold scandal.
Giving buyers a share in a property isn't the way forward as these tend to come with major restrictions. Also it's a loan on top of the mortgage. When house prices fall, how many of these H2B loans will become toxic?

When interest rates rise, how many will be able to afford to pay their mortgage premiums plus the Help to Buy loan?

It's just debts on top of debts.

[alphorn] 17/11/2020 11:46

This say it all from the x5 post - Morgan Stanley believes earnings per share on the FTSE 100 could grow by 35% next year......The one hiccup for share prices could be the pound. FTSE 100 companies make around 70% of their earnings overseas.

A nonsense article unless it discusses the above.

[xxxxxy] 17/11/2020 11:44

3 trade deal deadlines missed, no more please"We voted to Leave and to Take Back Control", says Brexit Facts4EU.Org"Prime Minister, it's Time to Take our Leave."?© Brexit Facts4EU.Org 2020Brexit Facts4EU.Org looks at the three EU trade deal deadlines – all missed– and concludes that the UK must walk away if no deal is done by Thursday, when EU leaders meetThree EU trade deal deadlines, all missed. Below we summarise how we got to this point, review Lord Frost's latest views, and propose a line in the sand this Thursday.BREXIT FACTS4EU.ORG SUMMARYDeadlines for the UK-EU trade deal30 June 2020 - fishing agreement, and 'heads of terms' for the trade deal - MISSED31 July 2020 - 'heads of terms' for the trade deal - MISSED15 October 2020 - 'heads of terms' for the trade deal - MISSED19 November 2020 - 'heads of terms' for the trade deal agreed by EU27 leaders - ???The lead up to the Brexit trade talksOn 04 September last year, the Government lost a vote against Labour and Tory Remainers, whose Bill then blocked the Government's intention for a 31 October 2019 deadline for Brexit talks failing which we would leave on WTO terms.Readers will recall the weeks of shambolic Parliamentary proceedings with Tory Remainer MPs huddling on the backbenches in their whispered plottings like excited schoolchildren, and then voting with Labour to force the Prime Minister to ask the EU for a three-month extension to the already-extended Article 50 deadline.This meant that the PM's "31st October, do or die" pledge would be broken, and prompted the General Election in December. In that election on 12 December, Labour was trounced in its northern heartlands, Labour leader Jeremy Corbyn announced he would step down, the fanatical pro-Remain LibDem leader lost her seat to the SNP, and Boris Johnson secured an 80-strong majority for his "Get Brexit Done" message.After the General Election – the events of 2020The PM signed the disastrous EU Withdrawal Agreement on 24 January 2020 and the UK formally ceased to be a member of the European Union at 11pm on 31 January, with a 'Transition Period' set to run until 31 December 2020. During this year the UK has had to endure all the obligations and costs of EU membership, but with no say in any of this. In effect, the UK has been and still is a colony state of the EU.Formal trade negotiations began on 02 March 2020, in Brussels. This is in itself a travesty, given that the British people had voted to leave the EU three years and eight months previously, as we showed in our 3-part series which started last Thursday. These talks with the EU were difficult from the start and after only two-and-a-half months relations had deteriorated to such a degree that on 19 May David Frost wrote a damning and accusatory letter to the EU (PDF), using words such as "unworthy" and "unbalanced".?© No.10 - click to download PDF of letterThe 'deadlines' for the trade talks30 June was the deadline in the Transition Period agreement for a deal to be made on fishing, and for any extension to the Transition Period to be agreed. This date was widely described as being the crunch point, after which the UK would walk away if no deal had been reached.The 30 June deadline came and went. The PM then signalled the end of July as the deadline, after which the UK (paraphrasing) would walk away and 'Go WTO'.The 31 July deadline came and went. On 07 September the PM then set 15 October as the deadline, after which the UK would walk away and 'Go WTO'.?(Click to enlarge)The EU announces legal action against the UKOn 01 October the EU Commission announced it would be taking legal action in the ECJ against the UK over its 'Internal Markets Bill'. It initiated this action when the Bill had not been (and still hasn't) been passed, thereby directly interfering in the internal Parliamentary processes of an independent country as if it were still a member state.In the House of Commons this Bill had been famously described by Remainer Minister Brandon Lewis, clearly aided and abetted by another Conservative Remainer Bob Neill MP, as something which will "break international law in a very specific and limited way". The Bill does not do that, as we have explained in previous articles.The 15 October deadline came and went. On 16 October the PM halted the talks, saying that the EU had "refused to negotiate seriously for much of the last few months" and stating that the UK would be pursuing an 'Australia-type' trading relationship. Nevertheless, the talks then resumed on the following Tuesday, despite the EU failing to provide the assurances sought by the British side for this to happen.The talk was then of the new deadline being this coming Thursday 19 November when all 27 leaders of EU countries meet by video-conference, due to COVID-19. Now it seems that even this deadline is set to be missed. Brexit isn't even on the agenda.What does Lord Frost say?Here is the full text of Lord Frost's four tweets on Sunday 15 November:"Arriving once again in Brussels shortly for another round of negotiations with EU and Michel Barnier this afternoon. I and our British team have been in talks almost every day since 22 October."We are working to get a deal, but the only one that's possible is one that is compatible with our sovereignty and takes back control of our laws, our trade, and our waters. That has been our consistent position from the start and I will not be changing it.?"There has been some progress in a positive direction in recent days. We also now largely have common draft treaty texts, though significant elements are of course not yet agreed. We will work to build on these and get an overall agreement if we can."But we may not succeed. Either way, as the Prime Minister Boris Johnson made clear on 16 October, people and businesses must prepare for the change that is coming on 31 December, most of which happens whether there is a deal or not."OBSERVATIONSIt is now almost impossible to achieve a UK-EU trade deal by Thursday, when the EU27 leaders meet by video-conference. Talk in Brussels is now turning to the next Summit, on 10-11 December – just three weeks before the final date for the UK's departure. In our view this is wholly unacceptable to businesses both in the UK, and in the EU27 countries.Any trade deal agreed at EU Council level then has to be finalised by the negotiators and then debated and ratified by the EU Parliament – and this is far from being a foregone conclusion. At the very least it will take many days for the 1500+ word document to be translated into the EU's 24 official languages. It is therefore impossible to see how any new trade deal will be in place in sufficient time for businesses and government agencies to plan for it.The uncertainty being caused by these interminable and deadlocked trade talks together with all the uncertainty surrounding COVID regulations is highly damaging to the UK's economy and to jobs, as well as to those of the EU27 countries.We voted to Leave and to 'Take Back Control'.  Prime Minister, it's Time to Take our Leave.The Big Brexit Initiative - Phase TwoRegular readers will recall our 'Big Brexit Initiative' (BBI) which started on Monday 02 November. Brexit Facts4EU.Org brought together the largest-ever number of major Brexit campaigning organisations combined behind one message to Government:"We call on you, Prime Minister, to rescind and void the Withdrawal Agreementin order to deliver on your General Election manifesto promises of December 2019,or else face millions of voters who will feel utterly betrayed.Please do not let the country down."Now we are starting Phase Two of the Big Brexit InitiativeWe hope to mobilise Brexit groups and the public in support of another simple message: "Three missed trade deal deadlines... No more please, Prime Minister. A deal this week, or walk."We will be announcing more about this tomorrow, so please make sure you come back!Urgent - we need you nowIf we are to see this thing through to the end, after almost five years of seven day-a-week work, we need your help.The level of our donations has dropped significantly in the last month, probably partly due to the impact of the measures the Government has taken regarding COVID-19. These kind donations are currently at an unsustainably low level. We know that these are difficult times for many people but we have to ask any reader who can, to support us with a donation today so that we can continue our fight for a free, independent, and sovereign United Kingdom as we approach the end game. Quick, secure, and confidential donation methods are linked to below this article and you will receive a very warm email from a member of our team. Thank you so muc

[alphorn] 17/11/2020 11:42

The serious idea is to use auto-injectors.

Manufacturers include Pharm companies who hold the dominant position in the auto-injectors market. Major players of auto-injectors market, such as MYLAN N.V., kaléo, Inc., Amgen, Abbott Laboratories, etc., hold over 50% revenue share in the global auto-injectors market.
Low competition and complex product development processes have increased the entry barriers for new entrants. High entry barriers for new entrants in auto-injectors market leads to higher product pricing. As a result, auto-injectors available in the global market are sold at premium prices as compared to their alternative -- pre-filled syringes.

I can believe that there is huge market potential...........probably from China.

[xxxxxy] 17/11/2020 11:40

 Ben in London. Photo: Kirsty Wigglesworth/APFor years UK stocks have been underperforming, under-owned, and unloved.But now, as the Brexit end game looms and a possible global COVID recovery beckons, analysts think that could be about to change."If people get more confident on the prospect of normalisation, if we get some more hopefully positive news on Brexit, then you should see the UK market going well," Themis Themistocleous, UBS Wealth Management's chief investment officer, told journalists on an outlook call on Tuesday.Analysts at UBS, Morgan Stanley, and Citi have all recently advised clients to buy into UK equities, arguing that the market could be a surprise performer in 2021.Morgan Stanley said in a note sent to clients on Sunday that the FTSE 100 (^FTSE) could rally by 17% next year. Citi this week told investors to consider an "aggressive" short-term bet on UK equities, Bloomberg reported. Analysts at the US bank said Britain's stock market was likely to outperform the US over the next few months.READ MORE: UK secures 5 million doses of Moderna's COVID-19 vaccineThe bullish bets are notable given the poor run British equities have been on since the Brexit referendum. The FTSE 100 is more or less at the same level it was on the day of the 2016 vote. Meanwhile, the S&P 500 (^GSPC) has risen 66% over the last four years and the MSCI World (MWS=F) has rallied over 45%.?The FTSE is more or less flat when compared to June 2016. Photo: Yahoo Finance UK"If we look at the UK market, it is trading at about a 25% discount to global markets," Themistocleous said. "The historical average has been about 10%, obviously for good reasons."If you look at the hit to the economy from COVID, it's been more severe than some of the other countries. We had the uncertainty about Brexit. There's been a number of things overhanging the UK economy."London-listed stocks have also suffered due to a comparative lack of tech on the market. Technology has been the stand out sector globally over the last decade. The FTSE 100 is dominated by oil and materials companies, financials, and domestic retail, none of which have performed well in recent years.Moving forward, this equity imbalance may actually work in the UK's favour. Recent positive COVID-19 vaccine news has prompted a historic global rotation away from growth stocks - like tech - towards value stocks - solid companies trading below their book value, typically in industries like banking or insurance.The years-long underperformance of UK stocks and the proliferation of steady, mature businesses that value investors love means the FTSE 100 looks well placed to benefit from the rotation."UK equities look extremely cheap versus peers and are very positively correlated to global value trends," a team of Morgan Stanley analysts wrote in a 2021 outlook note.READ MORE: COVID-19 vaccine: BioNTech and Pfizer report 90% effectiveness in trialsThis dynamic was already on show last week. The FTSE 100 had fallen 20% so far this year prior to Pfizer and BioNTech's positive vaccine news. However, the index rallied 7% last week after the pair said their vaccine candidate had a 90% effectiveness rate. Rupert Thompson, chief investment officer at Kingswood, said the UK was a "notable outperformer" globally.The fundamental outlook for many UK-listed businesses also looks strong. While tech businesses have benefited from the world being stuck indoors during the pandemic, a possible global recovery next year should benefit industrial companies and sectors like banking and energy that largely mirror the health of the economy."As we're coming out and the economy is starting to normalise, you would expect those sectors to lead the recovery," Themistocleous said. "If you look at earnings expectations for those sectors, they're likely to be a lot stronger than technology or the more defensive parts of the economy. You have earnings momentum in your favour."Morgan Stanley believes earnings per share on the FTSE 100 could grow by 35% next year, outpacing the 30% expected from the MSCI Europe index."If you look at the expected dividend yield from the UK, it is still very attractive," Themistocleous added. "The market is around 4% in an environment where it's very, very difficult to get yield, which is another aspect I think of with the UK equity market."The one hiccup for share prices could be the pound. FTSE 100 companies make around 70% of their earnings overseas, meaning any rally for the pound hurts bottom lines. A positive resolution to Brexit trade talks could spark such a rally but Themistocleous thinks UK stocks are still worth a punt."Net-net we still think the UK can still perform well in combination of earnings recovery, more confidence, multiple expansion, and closing the gap in terms of valuation relative to the other markets," he said.... Yahoo Finance

[jordaggy] 17/11/2020 11:40

Are any of these SIPP platforms 'e' based or are they manual/paper based when it comes to taking out cash...there surely has to be a better platform than II ? Yes for larger SIPPs II are relatively cheap, but I'd rather pay more for a better 'e' experience.

[alphorn] 17/11/2020 11:37

Next idea will to use a multi use needle. ;)

[minerve 2] 17/11/2020 11:32

Agreed.

Anyway, it's going to be a while before I get my vaccine because I'm on the lowest tier of the priority list.

[portside1] 17/11/2020 11:32

MMS now playing to get rid of holders for the next leg Do not sell

[pinemartin9] 17/11/2020 11:31

No exit fees for me and a golden hello of £500 cash payment which is nice. I do like the platform they have. I'm now researching what to buy with my money! It's the first time I've had the option to buy shares directly in my SIPP / pension. Lloyds about 6 weeks ago would have been good!

[grahamite2] 17/11/2020 11:29

Minerve, I agree - of course I'd sooner have a nurse, one who has been doing injections day in day out for years. I'm just making the point that the big difference is between experienced and not experienced, not between qualified and not qualified. I see no reason at all to believe a physiotherapist would make a better job than a bank clerk.