09dolphin
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Post by 09dolphin on May 22, 2021 7:31:24 GMT
My daughter and grandchildren live in Spain and it's been 16 months since I last saw them. I'm vaccinated and we will only meet outdoors with social distancing. I agree holidays can and should be deferred but my family are so important to me that I think it's cruel of the government to say I should defer seeing them. My personal opinion is that I have agreed to comply with the governments advice/instructions because of the pandemic. I have strictly limited my social contact to friends on the phone, I have used the supermarket online system for ordering food, I have spoken to my family in Spain frequently on the phone and frankly I hugely miss human contact with people as I live alone. I am not prepared to accept government advice that I should not see my family because they live in Spain in an area where Covid 19 infections are at 17 per 100 million today when their figures are better than where I live. If they live in and are restricting themselvces to an area where there is low infection rates; if they are following (at least for a period of 3-4 weeks prior to your arrival) social distancing etc. and you have had your first jab a reaonable time ago, then I don't think you should be limiting yourself to meeting outdoors and social distancing, unless that is what the local law requires. i would hope that hugs all round would be the order of the day. Good luck. I would love to hug them all but only my son in law will have antibodies as he was infected in December last year. There is no evidence that the rest of the family have antibodies although it's possible that they do have due to the probability that he passed the infection on to the rest of his family. My 2nd vaccine was in early April so the probability is that even if I'm infected it will be minor and probably asymptomatic, but I'm aware I could still potentially pass on the infection to them if they don't have antibodies because I may not know if I am carrying the infection. The Spanish vaccine programme could do with a kick up the backside as I think they are concentrating their efforts on tourist spots and major cities - which makes sense in economic terms but does leave problems for the rest of the population who don't live in these areas. I'm starting to get excited about seeing my family and just thinking about it brings a smile to my lips. Honestly I can't wait and it will be the best thing that's happened to me in the past year. I do often think about two friends who died as a direct result of Covid -19 so I am aware of what can happen and wouldn't wish it on my worst enemy. It's a awful and dreadful death so I will remain ultra cautious and I want to remain very careful
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09dolphin
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Post by 09dolphin on May 21, 2021 20:21:52 GMT
My daughter and grandchildren live in Spain and it's been 16 months since I last saw them. I'm vaccinated and we will only meet outdoors with social distancing. I agree holidays can and should be deferred but my family are so important to me that I think it's cruel of the government to say I should defer seeing them. My personal opinion is that I have agreed to comply with the governments advice/instructions because of the pandemic. I have strictly limited my social contact to friends on the phone, I have used the supermarket online system for ordering food, I have spoken to my family in Spain frequently on the phone and frankly I hugely miss human contact with people as I live alone.
I am not prepared to accept government advice that I should not see my family because they live in Spain in an area where Covid 19 infections are at 17 per 100 million today when their figures are better than where I live.
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09dolphin
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Post by 09dolphin on May 8, 2021 18:15:40 GMT
I ask if RBS are prepared to enforce the security pledged as one loan made 3 repayments before the borrower agreed to pay interest only from 4/6/19. It had been agreed the property used to secure the loan would be marketed for 3 months in November2019 ( ie until Jan/Feb 2020). I assume a sale was not agreed but as there is no information available on the website lenders don't actually know what the situation is in regards to security. Now the borrowing company appear to be defaulting on the interest only payments which I assume RBS expected to continue forever without any capital repayments whatsoever.
What happened to the agreement that the property used to secure the loan would be sold well over 1 year ago? Was the property sold before Covid19 took hold and RBS basically lost control of the security? When are RBS going to update lenders and explain exactly what the situation is etc? How long are RBS going to tolerate this situation. I do note they have sent an email to the lender "demanding" payment of interest.
Obviously RBS are incapable of managing this loan so perhaps it's time for lenders to take control.
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09dolphin
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Post by 09dolphin on Dec 23, 2020 19:58:07 GMT
how many tiers we go to do you think ? Could they be turned up all the way to 11 ? We currently have Medium risk, high risk, very high risk and extremely high risk. I'm not certain there is much scope for any more tiers. How about probable death, death and certain death as tiers 5 - 7 Merry Christmas and hope for a better 2021 to everyone
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09dolphin
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Post by 09dolphin on Dec 15, 2020 22:59:59 GMT
My worry is that the vaccine isn't 100%. After the 2nd injection is there an antibody test or do we just go forth with faith and hope we are immune?
As this vaccine doesn't give everyone full immunity will there be up to 10% of the immunised (people whose expectation is that they are immune) be out and about spreading the virus.
Can I say that I have little faith that my GP will contact me for immunisation against C-19. I've been entitled to the flu vaccine for over 15 years because of my age and never once in that time has my GP contacted me to say the 'flu vaccine is available - yet they have all my contact details.
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09dolphin
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Post by 09dolphin on Dec 12, 2020 14:16:25 GMT
I wouldn't dream of consciously being racist. My questions to you are are 2 fold. How do you identify unconscious racism? Only if we identify unconscious racism can we hope to deal with it.
Secondly for how long should my brother in laws family be expected to apologise to me and my family for actions one of their family took that was painful at the time but was not an action his family were personally responsible for. Indeed it was an action I forgave many years ago which enabled me to move on.
Perhaps BLM are correct and therefore each and everyone of my family should expect that in a few hundred years my brother in laws family should still be trying to make up for the actions of one member of their family.
My brother in law killed my sister but all I feel is pity that he never learnt to control his temper and that it's a shame that he never was able to accept responsibility for killing a fellow human being.
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09dolphin
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Post by 09dolphin on Dec 12, 2020 12:24:57 GMT
I don't know if I have racist tendencies but if I do I'm not sure what I can do about it - purely because I'm not aware of them
Should I be ashamed that people of colour were abused in the 1950s or later. Yes - but how long am I and my family expected to apologise for previous generations?
A person of colour who was married to my sister abused and eventually killed her. Should my brother in laws family be expected to atone for the sins of a family member and if so for how many generations? I believe my brother in law was solely responsible for his actions and his family were blameless as they didn't condone their son's actions even though they knew he had a violent temper.. Yet according to BLM I should expect contrition from the generations of my Brother in laws family for hundreds of years.
Personally I believe everyone should be judged by their actions, ability and conduct rather than their family or colour of their skin. Surely we are mature enough accept the past and forgive rather than holding grudges forever.
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09dolphin
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Post by 09dolphin on Oct 29, 2020 6:05:11 GMT
The only shopping I have done on line in the past is my weekly supermarket shop which was delivered. Thank you so much for your advice to shop on line at Amazon or Ebay for goods I wanted but didn't urgently need. I have sent for a new phone, sourced from China, which is predicted to arrive in 14 - 21 days. Sorry there will be little or no benefit to the UK tax base - but it was really cheap, just a tad over £100 whereas the same phone from a UK company was 10% more. I've also spent about £250 buying things like hairbrushes, a dehumidifier, pens and paper, plastic kitchen containers etc. Alas none were from a UK based company because the same goods were cheaper from non UK suppliers. Yes I know that the delivery date is longer than for UK companies but that is perfectly acceptable. Everything seems to be made or come from China but their prices are so much cheaper than from the shops in the UK. It's a very real money saver using Amazon and I doubt I will need to make the effort to visit shops in the UK other than for food and clothes again so thank you for opening my eyes to this money saver.
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09dolphin
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Post by 09dolphin on Oct 28, 2020 4:39:00 GMT
I decided not to vote in the Brexit referendum because I could see the point of arguments both for and against remaining in the union and this was the first vote I didn't take part in since I was 21.
The divisions Brexit has caused are distressing and unpleasant. How I wish Cameron had been able to make a deal with the EU before the referendum as I believe that, if he had, there would not have been a referendum. The EU were unshakable that the principles of the EU could not be paused under any circumstances.
My reasons for being undecided were that I believed the economic consequences of leaving would be severe in the next 10 - 25 years. What did concern me was the obvious lack of political "clout" GB had as evidenced by the need for flexibility when Cameron went begging for a deal. If a small but significant nation's needs cannot be accommodated for a short period of time in this large organisation how long would it be before other members of the EU imposed terms that were unacceptable to the majority of the population of GB. There were lots of other reasons why I chose not to vote but I have outlined the 2 main reasons.
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09dolphin
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Post by 09dolphin on Oct 28, 2020 3:42:07 GMT
Adriac As a very elderly person who has exercised almost complete isolation since March I have to ask: Which shop does the Welsh Government suggest I go to during the rest of the "lockdown" if my mobile phone "dies" as I no longer have a landline. Obviously a mobile is essential if there is an emergency and to keep in touch with friends and family. I have a combi-microwave (oven grill microwave). Which shop is the Welsh Government suggesting I use to replace it if it fails? Note I use this appliance daily to reheat and cook meals. Thank the lord I don't live in Wales as I would be very worried if I did. Note the large supermarket nearest me sells both mobile phones + combiovens.
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09dolphin
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Post by 09dolphin on Aug 8, 2020 6:01:40 GMT
And this thread demonstrates clearly why many P2P platforms have decided to go institutional and dump retail money. Despite having to certify themselves as sophisticated investors who knew what they were investing in, the whingers are now crying foul. Did they lie when they certified, or are they just too thick to know what they clicked? Either way, its no wonder so many P2P companies are finding this source of 'dumb money' to be far more hassle than it is worth, and are switching to institutional. When I retired with a lump sum + money I inherited my IFA suggested I use 1% of my cash to invest in P2P and be an "active" investor. He suggested FS + Zopa but warned me it was possible (but unlikely) I could lose the it all. I think he thought it would be a good learning experience for me and stop me trying to second guess him in terms of his advice as I'd be otherwise occupied. Although I still have a few hundred tied up in FS I have had a good rate of interest from them which still leaves me with a very acceptable profit even if I recover nothing more. I switched from Zopa about 3 or 4 years ago to Ratesetter. Again overall I've had an more than acceptable rate of return and I've learnt so much, it's been a really enjoyable experience. I'd still regard myself as having "dumb money" and I didn't certify myself as a sophisticated investor - but then I only used 1% of my cash. The money I originally invested has increased slightly despite my having taken money out for holiday spending, a new bathroom etc. Overall I've been really happy with my experience of P2P lending. It has been far more enjoyable than watching money sat in a bank account slowly diminishing due to inflation. Just for information I have never found it necessary to contact Ratesetter so I don't think I've ever caused them any "hassle".
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09dolphin
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Post by 09dolphin on Aug 8, 2020 5:58:56 GMT
And this thread demonstrates clearly why many P2P platforms have decided to go institutional and dump retail money. Despite having to certify themselves as sophisticated investors who knew what they were investing in, the whingers are now crying foul. Did they lie when they certified, or are they just too thick to know what they clicked? Either way, its no wonder so many P2P companies are finding this source of 'dumb money' to be far more hassle than it is worth, and are switching to institutional. When I retired with a lump sum + money I inherited my IFA suggested I use 1% of my cash to invest in P2P and be an "active" investor. He suggested FS + Zopa but warned me it was possible (but unlikely) I could lose the it all. I think he thought it would be a good learning experience for me and stop me trying to second guess him in terms of his advice as I'd be otherwise occupied. Although I still have a few hundred tied up in FS I have had a good rate of interest from them which still leaves me with a very acceptable profit even if I recover nothing more. I switched from Zopa about 3 or 4 years ago to Ratesetter. Again overall I've had an more than acceptable rate of return and I've learnt so much, it's been a really enjoyable experience. I'd still regard myself as having "dumb money" and I didn't certify myself as a sophisticated investor - but then I only used 1% of my cash. The money I originally invested has increased slightly despite me having taken money out for holiday spending, a new bathroom etc. Overall I've been really happy with my experience of P2P lending. It has been far more enjoyable than watching money sat in a bank account slowly diminishing due to inflation. Just for information I have never found it necessary to contact Ratesetter so I don't think I've ever caused them any "hassle".
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09dolphin
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Post by 09dolphin on Aug 8, 2020 4:32:51 GMT
If you're invested in the loan why do you ask? An email went out earlier to all investors, or if you log in and look at the Loan updates, the information is there... Surely it's better not to post details in a public forum while it's still ongoing in case it prejudices the recovery... I have an "investment" in one of the power boats but have not received an email. Will log into the FS site to hopefully find out what's happening.
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09dolphin
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Post by 09dolphin on Jul 30, 2020 9:42:49 GMT
A clothing and textile department store with an abysmal payment record on their second loan has "renegotiated" a payment plan so that the term of the loan reverts to the original date instead of the extra 4 months they were facing due to non payment and interest only payments in 2019 and 2020. This payment plan involves an increase in their monthly payment (which they obviously couldn't make in 2019) and having been in lockdown for about 3 months now believe they can increase their repayments. This company also has a propensity to establish and then cancel their DD.
Information in the "repayments" section for the present loan has been erased for 2019 and 2020 up until June. If I was buying into the secondary market I would suggest the payment history is essential knowledge - so ReBs why has this been done.
Why exactly, with their awful payment history, do ReBs believe that this company is now able to pay more than they could in 2019?
I don't understand the actions of ReBs. Can someone explain please?
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09dolphin
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Post by 09dolphin on Jul 2, 2020 19:27:08 GMT
I may be stupid but I really can't see how someone who appears to have essentially broken the rules as DC did permits others to do so. The fact that DC was not prosecuted seems wrong but immaterial to me. My concerns relate to my very elderly relatives who are put at risk by the morons who believe that because one person close to the government didn't obey the rules that all rules can be ignored. Common sense suggests that we should do what we can to protect those most at risk.
I am also "old" myself, specifically approaching 70 years and believe that the morons who believe that the requirement for social distancing doesn't apply to them are particularly stupid when. as the people in Leicester are starting to discover their relatives start to be hospitalised.
It's so sad that people who ignore social distancing become infected and take the infection back to their home which results in the older members of their family becoming ill and potentially dying.
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