ozboy
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Post by ozboy on Dec 19, 2023 14:25:13 GMT
I don't really care what terms any other person wants to use to refer to this time of year. I think I can count on zero fingers the times a Jewish person has to told me I should, in the earlier part of December, greet them with Happy Hanukkah. And I've never had any Hindu or Sikh push Divali at me, even if I've made a point of celebrating it with them. Nor a muslim push Eid. So I'm not sure why - perhaps especially as an atheist - I should feel a need to push a Christian festival down their throats. Nor do I understand why anyone would see it as some 'threat' to their 'tradition' if someone else doesn't want to stick a particular religious label onto a time of year pertaining to 'their' cultural event. I do find it mystifying when people who proclaim to have strong cultural and/or religious convictions find it threatening/undermining when others don't behave according to their norms. As someone else once said: "It's that time of year when Christians demand the Jewish cashier say "Merry Christmas" to the Muslim customer"*
*Other religions and non-religions are available. That is some tangent bracknellboy
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ozboy
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Post by ozboy on Dec 19, 2023 14:19:09 GMT
At the risk of stating the obvious, this is 100% why a diversified portfolio across multiple P2P platforms is essential to reduce overall risks. The problem is finding 6 or so P2P that are without problems of some sort and also paying a half decent premium over bank accounts. You do have to wonder if P2P is worth extra risks overall in the current climate. Even 1 or 2 % extra isn't really worth the additional risks much as l like to support P2P. I running down my P2P portfolio and will reconsider in due course once economy settles down and risks subside a touch. The BIGGEST problem of all with P2P of course (after Professional RICS Valuations 🤣 ) is that the FCA does Football Association about policing the sector. They really don't care, and have proven this consistently, chasing numerous horses after they have well and truly bolted from a wide open stable door, and then having the sheer chutzpah to actually Virtue Signal about it! Arrogant, useless, incompetent and ineffective are four not unreasonable descriptive words for this failed and self serving organisation.
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ozboy
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Post by ozboy on Dec 18, 2023 20:29:04 GMT
If I get ONE more urine poor Woke BS Letter wishing me "Happy Holidays!" I'm going to explode. It's MERRY CHRISTMAS and Happy New Year! Just like it's always been, and will continue to be. Keep Safe and Healthy Peeps! OzBoy
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ozboy
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Post by ozboy on Dec 17, 2023 23:57:29 GMT
NHS dentistry is now a sick joke here in Wales. None available and most patients have no choice but to go private. My son-in-law has a tooth needs filling, but it's apparently beyond the skillset of his private dentist. It has a curved root, so he needs a specialist... at £1,600. For a single tooth. And it would be expected to last just 6-8 years. But because it's apparently in thinner bone, the dentist won't extract it either - the same specialist has to do that, for a mere £600, if he can't afford option A. With the appalling demise in NHS dentistry, we are fast returning to the days of licensed bandits in a mask. I hope he is not in any pain while this all gets sorted out. I've been there many times before. If its a "root" filling that needs doing the issue is both time and skill. I had one or two "root canal treatments" as they like to call it, done by my private dentist here some here ago. I found out he had skipped some key parts of the procedure (rubber dam not used for example) and it took him a total of an hour and a half. That is actually quick. In an ideal world the procedure would be carried out by an endodontist taking around 60 minutes _per root_ and using a dental microscope. That's where the money comes in. I have since had this done by a proper endo (not a general dentist) and have had very good results. What annoys me most about the UK is that even if you do go private, the service is often still c rap. If you don't live in a big city where is your nearest specialist endodontist ? Even then they might practice out of a crappy semi detached house. Why can't a few dentists group together and build a really decent purpose built dental clinic with all facilities and specialities. We really are moving towards the 3rd world "We really are moving towards the 3rd world"And with the past and current rates of uncontrolled "Asylum Seekers" arriving daily, that is guaranteed. I have dug my bunker and have my tin hat on.
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ozboy
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Post by ozboy on Dec 15, 2023 22:12:44 GMT
"Enforcement investigation has ended"It's a fornicating joke isn't it, the laughing stock, useless, gutless and incompetent FCA couldn't find any evidence to prosecute anyone for Fraud?! Says ALL you need to know about the FCA and their commitment to "Protecting Consumers". I'd love to hear the opinions of the FCA Flagwavers and Cheerleaders on this. Reading your post, it occurred to me that I don't think I've ever seen one of those on this forum. I think it's the only thing that unites us all, which is pretty damming. There's been one or two in the past Ace, but you are right, no "supporters" for some time now. Now why would that be?
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ozboy
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Post by ozboy on Dec 15, 2023 21:57:26 GMT
[Oz Accent] Enquire of your wellbeing? Look mate, it was enough of a wrench to give you an uptick, and that was only because it's nearly Christmas. Jeez, cobber, don't push it. [/Oz accent] Add to that personal experience, when Mum had her stroke and was in Hospital and then a Nursing home for over 3 years some of her long term friends ie 30-40 years made no effort to see her or even ask dad how she was, what was upsetting was them then turning up at the funeral and acting sad. Events like this show how self centred many people are, " .......... them then turning up at the funeral and acting sad".Yep, but it's good to finally know who the vulgar female reproductive organs are ......
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ozboy
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Post by ozboy on Dec 15, 2023 21:31:57 GMT
"Enforcement investigation has ended"
It's a fornicating joke isn't it, the laughing stock, useless, gutless and incompetent FCA couldn't find any evidence to prosecute anyone for Fraud?!
Says ALL you need to know about the FCA and their commitment to "Protecting Consumers".
I'd love to hear the opinions of the FCA Flagwavers and Cheerleaders on this.
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ozboy
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Likes: 4,830
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Post by ozboy on Dec 14, 2023 20:44:17 GMT
I know nothing about Proplend, do I take it that those 5.6% through to 8.3% figures are the Returns?! If so, that's nowhere near enought to cover the HUGE Risks in P2P Lending. IMHO.
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ozboy
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Post by ozboy on Dec 12, 2023 20:54:41 GMT
I'm slowly closing my circle of friends down, as yes I agree with you a fair few are odd or behave oddly. I've made a decision that I'd rather have a small number of straightforward mates than a bigger circle where a lot want babying, maybe the first move will be to get a new phone number I reduced my circle of "friends" about twelve years ago after an interesting experiment. Being a reasonably gregarious type I suddenly had a thought that I was always the one mostly doing the contacting and keeping in touch. You know, making the effort. So I decided to immediately stop contacting people, everyone, and wait and see who got in touch. My thinking was that friends would quickly begin to wonder why they hadn't heard from me, so out of concern would make contact to enquire of my wellbeing. I now run with around 30% of my former circle of "friends" from twelve years ago, some 50+% I still haven't heard from.
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ozboy
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Post by ozboy on Dec 12, 2023 15:58:37 GMT
Except it's not a farce, it is very, VERY serious.
The latest shocker is the MoneyThing Residential Development in Liverpool.
As I have said time and again on here, when I was active in P2P I was able, as a Rank Amateur, to perform a 10 minute Valuation on a given property that was subsequently proven to regularly be plus or minus less than 20% accuracy!
These RICS "Professional" Valuers are not even a joke, they are something far, FAR more serious. And sinister.
Other than complaining to RICS themselves, who will only bat your Complaint away and protect Members at ALL costs, regardless of allegations, any ideas of actions that can obtain justice?
If the RICS "Professional" Valuations had been anywhere near MY calculations, Lenders would be nursing FAR significantly less Losses.
You don't Pay for a RICS "Professional" Valuation, you Buy one.
Geddit!
I thank you.
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ozboy
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Post by ozboy on Dec 6, 2023 21:44:30 GMT
MASSIVE damage limitation and cover up by various Involved Parties. It is blatantly obvious. And if you read of the many shenanigans in the TTF's various Reports there is one particular Agency that has constant, regular form in damage limitation and cover ups. Still, it's good to know that MPs, the Treasury Committee and Others are outraged, and All Over It and On The Case, Upholding Ordinary People's Rights. Innit?
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ozboy
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Post by ozboy on Dec 4, 2023 21:05:19 GMT
Brick walls, surrounding One Big Cozy Club, where Members look after each other, and if you scratch my back I'll scratch yours.
The entire system, covering all "Agencies" across the board, needs a Full, Thorough, Independent Enquiry.
But then, realistically, you'd be pushed to find anyone truly "independent" methinks.
Let alone posessing sizeable gonads.
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ozboy
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Post by ozboy on Dec 3, 2023 18:48:56 GMT
If The Post Office can dishonestly carry on like they did, without enjoying any "protection", just imagine what the FCA can get up to with their iron clad, teflon coated, armour plated, Government Guaranteed 100% Protection? Surely such Government Guaranteed Protection hasn't bred laziness, incompetence, ineptitude, disinterest, arrogance and dishonesty? And worse?
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ozboy
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Post by ozboy on Nov 30, 2023 22:20:35 GMT
Shane McGowan. What a poet; what a genius; what a loss. what a pi$$head.
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ozboy
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Post by ozboy on Nov 23, 2023 13:42:31 GMT
On one or more P2P Platforms there has been blatant, clear, provable, rampant Fraud, and yet the FCA does nothing.
Now why would that be?
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