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Found 19 results

  1. Britain’s most advanced jets touch down on home soil READ MORE HERE: https://www.gov.uk/government/news/britains-most-advanced-jets-touch-down-on-home-soil
  2. NatWest reveals most common financial scams http://www.nwemail.co.uk/news/NatWest-reveals-most-common-financial-scams-265e30b4-d606-4361-9fd1-ff8449f6a521-ds Along with the usual scams there are a few new ones - This article worth a read, especially for businesses
  3. Is something happening that we do not know about. Three people i know have said,one in Yorkshire and 2 in Lancashire who do not communicate with each other have heard strange unexplained noises from the sky. A loud humming,whining noise. Rumbling,not storms in the distance.Not tinnitus,going on for ages.A mixture of sounds. Are we chasing UFOS about perhaps.You cannot pinpoint it,it is everywhere it seems. I had better leave it there or else you may send the people with white coats to my house. Just wondering.
  4. Experts say most people only use 10% of their brain’s potential. What if there was a pill that could unlock the other 90%? Clinical Trials have shown that the ingredients in this pill can boost your brain power, sharpen your mind, and sky-rocket your energy levels. Has anyone heard about this Pill. Good,bad etc.Just came across the article.Not had time to go into it in great depth.Just wondering. The link. Is This Smart Drug The Most Powerful Brain Enhancer in the World? http://secret-brain.com/?source=socialpubs&a=69 Another article. Scientists: Drugs to boost brain power should be legal for wider use. Healthy people should have the right to boost their brains with pills, like those prescribed for hyperactive kids or memory-impaired older folks, several scientists contend in a provocative commentary. http://abcnews.go.com/Technology/story?id=6428947 I am thinking of donate ing my brain to the scientists.Sort that out if you can thoughts.
  5. Fines for misusing bus lanes are overtaking parking tickets as the main cause of complaints from drivers, according to the AA. The motoring group said thousands of drivers were being "entrapped" by worn road markings and poor signage. A junction in Lambeth, south London generated the highest number of fines, totalling over £6m, the AA claimed. Lucrative rat traps' Edmund King, AA president, said: "Whilst we support the use of bus lanes in the right places, functioning at the right times, we are totally opposed to 'entrapment' cameras on poorly designed or poorly signed bus lane junctions. "If thousands of drivers are getting tickets at the same junction then something is wrong and that junction or bus lane should be reviewed. "We fear that too many local highway authorities have become addicted to the lucrative income from these rat traps." BBC
  6. People who are the victims of so-called "vishing" [problem]s cannot always rely on their bank to compensate them, a study has suggested. In nearly two-thirds of cases the Financial Ombudsman Service (FOS) found that banks were not responsible for victims' losses. It looked at 200 examples of the telephone fraud, in which account holders lost up to £100,000 each. But it ruled that the bank was liable for those losses in only 37% of cases. In 63% of them, consumers were left without compensation, having, in effect, given their own money away. As a result it is warning that account holders need to be much more aware of the risks. http://www.bbc.co.uk/news/business-33386934
  7. When the Work Programme was introduced, and ever since, the Government said that it would be funded by the money it saved from future benefit spending. I took the following figures from DWP's own statistics and placed them here to see whether anyone else can find where any expenditure on benefits has been saved, far less the cost of the Work Programme. Total expenditure directed at working age 2010/11...................£51.17bn 2011/12...................£53.00bn 2012/13...................£54.98bn 2013/14...................£51.66bn 2014/15...................£51.91bn This figure is projected to rise by almost another £5bn by 2020. The proportion directed at Jobseeker's Allowance 2010/11...................£4.47bn 2011/12...................£4.93bn 2012/13...................£5.17bn 2013/14...................£4.34bn 2014/15...................£3.06bn The increase in this benefit cost in 2011/12 to 2012/13 levels out any gain in the overall reduction shown for the 5 years to 2014/15. The proportion directed at Employment & Support Allowance 2010/11...................£2.23bn 2011/12...................£3.55bn 2012/13...................£6.78bn 2013/14...................£10.44bn 2014/15...................£12.74bn Total expenditure directed at pensioners 2010/11....................£100.34bn 2014/15....................£114.03bn This figure is projected to rise to £126.50bn by 2020 We are told that 2 million people have been placed in work since 2010. If this is so why do the benefit spending figures show an increase? Surely we should be seeing a decrease. Even if everyone on JSA (761,962 May figure) got a job tomorrow, what difference would it make if 2 million did not reduce the benefit spending figures? Now, if no saving has been made, and not likely to be made, how is the WP to be paid for? DWP estimates that the value of Work Programme contracts will be between £3bn and £5bn up to 2017. Even with the huge margin of error that they give themselves this is a 'conservative estimate', more likely to be at least double that figure. Up to Sept 2013 a total of £1.047bn had already been paid to WP Providers.(Only figure I have managed to find so far). No further evidence of the Work Programme's uselessness should be necessary than the Government's own verdict on it in 2013. The Autumn Statement of 2013 confirmed that the Government would be investing £700 millions over 4 years in the new Help to Work Schemes. This requires JSA claimants who are still unemployed after 2 years on the Work Programme to undergo further training and mandatory activities. Claimants will be expected to be on a training scheme, Mandatory Work Activity or intensive work preparation within days of finishing on the Work Programme. Another £30 millions is allocated to that particular scheme. I would suggest that the cuts so far, and the cuts yet to come, far from going towards reducing the deficit, is going straight into the pockets of the Work Programme Providers. Otherwise, if they expected to be paid from the money they saved the Government in benefit spending they would not get a penny. So, not only are the unemployed made to suffer the indignities of those totally pointless, hopeless schemes inflicted on them, they also pay for the dubious privilege through sanctions and cuts. It looks now like people who work, many who have never been on a Work Programme but get working tax credits, the sick and disabled, are going to have to foot the bill as well, because even if all JSA benefits were stopped now and given over they would not cover the cost. When this dawns on the hoi polloi, stand well back.
  8. People who are the victims of so-called "vishing" scams cannot always rely on their bank to compensate them, a study has suggested. In nearly two-thirds of cases the Financial Ombudsman Service (FOS) found that banks were not responsible for victims' losses. It looked at 200 examples of the telephone fraud, in which account holders lost up to £100,000 each. But it ruled that the bank was liable for those losses in only 37% of cases. In 63% of them, consumers were left without compensation, having, in effect, given their own money away. As a result it is warning that account holders need to be much more aware of the risks. "We really want to share what we are seeing in the complaints we handle, and encourage people to get talking about scams with their friends and relatives so they become more alert to the risks," said Caroline Wayman, the chief ombudsman. More ...
  9. There seems to be so many stupid adverts on just recently so here goes 1) Moneysupermarket and the bloke wearing shorts & high heels 2) The moam couple on E4 ( Big Bang Programme normally ) 3)The advert with ugly mug George Clooney in 4) Adverts for pay day loans There are more and am sure you all have adverts you do not like
  10. I'm thinking of taking a small loan for this amount maximum, and would even settle for just £300 if I could get a reasonable repayment schedule and rate of interest. The thing is, I want to avoid Wonga like the plague, considering the horror stories I've heard about them, I don't need an interest rate with 4 decimal places and I'm willing to repay within 2 years at most. The thing is, technically, I could save up, but it would take a few months at least, but I'm wondering if that is my best bet. What is the best advice you can give?
  11. Figures from the City regulator show customers made 3.4 million complaints about banks and other financial companies in the second half of 2012. Barclays is the UK's most complained about bank, receiving more than 2,300 new complaints a day from its disgruntled customers. Figures published by the Financial Conduct Authority (FCA), the new city regulator, shows it received a total of 414,302 new complaints in the second half of 2012. The FCA data shows that the companies that received the most complaints, after Barclays, were Lloyds TSB (349,386 new complaints over this period) Bank of Scotland (338,913), MBNA (270,486) and Santander (237,923). In total there were 3.4 million complaints about financial companies over this period – a 1pc increase on the previous six months period. While Barclays received the most complaints overall, when this data is looked at in more detail, it is Santander that received most complaints about current accounts, mortgages and investments, while Lloyds TSB had the most complaints about mis-sold payment protection insurance. More:http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9995030/Britains-most-complained-about-financial-firms.html
  12. Nationwide has launched a self-service current account paying more interest than most High Street savings accounts. The new FlexDirect account pays customers 1.6 per cent after tax (2 per cent before) on balances up to £2,500 — a rate well above the average 0.74 per cent (0.92 per cent) payable on easy access deals. However, it has been dubbed a self-service account because you won’t be able to do any of your everyday banking at counters in branches. Read more: http://www.dailymail.co.uk/money/saving/article-2239359/The-Nationwide-bank-account-puts-branches-limits.html#ixzz2DXYAQbOJ
  13. We all carry debit cards, credit cards and mobile phones, and most of these items require a four digit pin to unlock them. Shockingly, it appears that one in every 10 people uses the same pin – 1234. Theoretically, there are 10,000 possible four-digit combinations the numbers 0 to 9 can be arranged into, and if everyone selected a number entirely at random that would offer a reasonable level of protection. People, however, seem to exhibit a staggering lack of imagination and select very predictable numbers. This is probably because people choose numbers that are easy to remember, but this unoriginality leaves them vulnerable. Recently, I performed detailed analysis on 3.4m four-digit pins that had been exposed online: you can see the full details of the research here. The table below shows the top 20 pin numbers in use. 1234 accounts for 10.7% of all pins, followed by 1111 and 0000. Just these three combinations account for 18.6% of pins and the most common 20 combinations are responsible for more than a quarter of all pins in use. Statistically, to get a third of all pins you'd need to try just 61 combinations, and to guess half would require only 426 distinct combinations. The most common numbers are repeating patterns, couplets and straights, but also high on the frequency charts are years (all the 19xx numbers occur in the top 20% of all pin numbers), as well as significant dates (1984 and 2001, for example) and popular culture references: in homage to James Bond, 0070 and 0007 also appear very high in the charts. Also significant are keyboard patterns, such as 2580, which is a "straight-shot" down the middle of a keypad, and "across the corners" combinations are similarly popular. What appear to be birthdays or anniversaries are present in the dataset in both the European format (DDMM) and American format (MMDD), and this is a another security pit as these are easy for a potential thief to obtain. In America, a driver's licence, which everyone carries in their wallet with their ATM card, contains birthday information providing a thief with both the lock and key in the same location. If you have difficulty remembering a pin and elect to use a birth date, at least use that of your spouse. At the other end of the scale, the least frequently used number I found in my dataset was 8068. Out of all the combinations of numbers this appeared to be the least interesting. It's not a date in history, it's not a pattern, it's not a birthday, it's not easy to type. It's the perfect pin … or it would have been until now. If your pin appears in the top 20 I suggest you go and find your own uninteresting number. http://www.guardian.co.uk/money/blog/2012/sep/28/debit-cards-currentaccounts
  14. Thought we should have this as well, so here goes a smile costs nothing nor do manners
  15. UK credit card lending suffered its biggest net fall in nearly six years in July, in a sign that households are reluctant to borrow more and casting doubt on any imminent rebound in consumer spending. Bank of England figures on Thursday showed that net credit card lending fell by £147m, the biggest drop since August 2006, dragging overall unsecured consumer lending down by the largest margin since February this year, Reuters reports. The figures dampen hopes of a strong rebound in economic activity in July after nine months of recession, and contrast with official retail sales data that showed unexpectedly strong growth last month. Mortgage approvals also remained weak, recovering slightly from June's 18-month low and coming in around economists' expectations at 47,312. Although net mortgage lending was much higher than expected at £1.1bn, the biggest increase since January. Nonetheless, the data back economists' forecasts for British house prices to stay flat or fall slightly over the coming year. Mortgage lender Halifax reported a 0.6pc annual fall in house prices for the three months to July. July's data is the last before the BoE's new Funding for Lending Scheme takes effect from August 1. Under the scheme, banks get access to cheap funding on condition that they pass it on in lending to businesses and home-buyers. More: http://www.telegraph.co.uk/finance/personalfinance/9508309/UK-credit-card-lending-drops-the-most-in-six-years.html
  16. After working for a Company for the past 18 years, holding many, many different positions within the Company. I was informed 2 weeks ago that the Company were restructuring again & my job role was being made redundant. 4 'new' job roles ( 1 Quality Manager & 3 Quality Auditor's ) were created & i along with others were encouraged to apply for these jobs & after various one to one meetings & an interview i was finally informed yesterday by telephone ( Due to being off sick ) of the Companies decision that i had failed in my application & therefore would indeed be made redundant. I am currently on 12 weeks gardening leave where at the end of this period i will receive 19 weeks redundancy money. Now, my bugbear with the Companies decision is that i am, in my honest opinion the most qualified ( Having Certification & Experience of all aspects ) person who has been doing most of what the job role entails for the past several years & to not be deemed good enough for one of these 3 roles beggars belief. When informed of the decision i took it gracefully & without complaint or argument but, the more i thought about it the more irate i have become, i have decided to telephone the individual who carried out the interview & ask for a one to one to ask the reason(s) why i was not chosen & then to appeal the decision & then if need be claim for Unfair Dismissal. At the present time this is more of a rant & to vent my frustrations than a thread asking for advice ( Unless someone has any advice which they would like to offer ) Thank you for listening.
  17. The British banking industry was the second most unprofitable in the world in 2011, according to an analysis of lenders in major economies. Britain’s banks were only underperformed by Italian lenders, producing an average return on shareholders’ equity last year of less than 4pc, compared with 26pc in Indonesia, the world’s most profitable banking market. The research by Boston Consulting Group (BCG) highlighted the performance gap that has opened up between Britain’s largest banks and their biggest international competitors. US lenders reported an average return on equity last year of close to 8pc, while Chinese banks produced an average return of 22pc. The difference in performance is highlighted by the change in the composition of the rankings of the world’s 200 largest financial institutions since 2007. Five years ago, 57 of the biggest banks in the world were based in Western Europe, compared with 52 in Asia. At the end of last year, the number of Western European banks in the top 200 had fallen to 37, while the number of Asian banks had risen to 60. Today, HSBC and Standard Chartered are the only British banks ranked among the world’s top 30 financial institutions by market value . Ranu Dayal, a BCG senior partner and co-author of the study, said: “Emerging-nation banks are doing better for two simple reasons. First, they are benefiting from the enormous numbers of customers and businesses who, for the first time in their lives, are starting to open bank accounts, take out loans, and participate in other banking interactions. Second, there’s a growing class of affluent and wealthy customers in those populations who help boost banking revenues.” Link: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/9317834/British-banks-among-the-most-unprofitable-in-the-world.html
  18. This is just fantastic. Pick out any interesting location around the world and click on it. A page will come up with a photo. In the center is a circle with a triangle. Click on the triangle. Now you get a full picture. If it's not a full screen, click on the 4 dots in the lower right corner. Now with full screen, place your curser anywhere on the screen and slowly drag the picture in any direction you want. Left, right, up, down, slow or stop. Try the Egyptian Pyramids in Egypt or Moscow, Kremlin to get started. This is a one e-mail you will want to save. Enjoy. Panoramas and 3D Tours of the Most Beautiful Places Around the World! Click on the below City Names & Enjoy ! Victoria Falls, Zambia • Venezuela, Surroundings of Angel Falls, Venezuela • Angel falls, Venezuela • Kalyan Minaret, Bukhara, Uzbekistan • Miami, USA • Las Vegas, USA • Lake Powell, USA • Manhattan, New York, USA • Golden Gate Bridge, San Francisco, USA • Millennium UN Plaza Hotel, New York, USA • Oahu, Hawaii, USA • Las Vegas, Nevada, USA • Millennium UN Plaza Hotel, New York, USA • Golden Gate Bridge, USA • Statue of Liberty, New York, USA • Manhattan, New York, USA • Hollywood, California, USA • San Juan and Colorado rivers, USA • Goosenecks, Utah, USA • Mono Lake, California, USA • Millennium UN Plaza Hotel, New York, USA • Chicago, Illinois, USA • Los Angeles, California, USA • Kiev, Ukraine • Ay-Petri, Ukraine • Dubai, UAE • Dubai, Islands, UAE • Palm Jumeirah, Dubai, UAE • Bangkok, Thailand • Sankt-Moritz, Switzerland • Cape Good Hope, South Africa • Cape-Town, South Africa • Moscow, MSU, Russia • Moscow, Kremlin, Bolotnaya Square , Russia • Moscow, Russia • Moscow Kremlin, Russia • 55.748765;37.540841, Russia • Moscow City, Russia • Kremlin, Moscow, Russia • Moscow City, Russia • Trinity Lavra of Sait Sergius, Russia • Saint-Petersburg, Russia • New Jerusalem Monastery, Russia • Saint Petersburg, Russia • Novodevichy Convent. Moscow, Russia • Ramenki,Moscow, Russia • MKAD, Moscow, Russia • Moscow, Russia • Moscow, Russia • Krokus Expo Center, Moscow, Russia • Moscow Region, Russia • Moeraki Boulders, New Zealand • Fiordland, New Zealand • Nepal, Nepal • Maldives, Maldives • Kuala-Lumpur, Malaysia • Grimsvotn, Iceland • Amsterdam, Holland • Neuschwanstein Castle, Germany • Egyptian Pyramids, Egypt • Hong Kong, China • The Iguassu Falls, Brazil • Twelve Apostles Marine National Park, Australia • Sydney, Australia • Buenos Aires, Argentina • Egyptian Pyramids, Egypt
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