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UK politics - Hamsterwheel

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UK politics - Hamsterwheel

Old 8th Dec 2016, 19:28
  #7681 (permalink)  
 
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where all they can afford to pay each month is the interest and none of the capital. This is of course the aim of these predatory lenders.
"You and Yours' R4 today. A charity shop in Huyton, Scouserville, has opened up in direct competition with the extortionate, 'we lend to anyone, however bad their credit score', shops there. Example: 144 whitegoods item with the usual suspects is dragged out to cost about 400 in total. With the new place, 160, and all in 12 months. I like it, and hope it flies.

CG
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Old 9th Dec 2016, 05:03
  #7682 (permalink)  
 
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I'm not blaming the poor, because it's a concomitant of their overall situation but bad money management is often at the heart of it. Driving back from Stansted last night with my son when his gf phoned. She wanted him to lend her money to lend to a work colleague who has got herself into debt.

The cause of this debt? She threw a lavish Halloween party. Well I regard it as lavish when you are buying kids special outfits for a single evening when your rent is overdue. Of course there are all sorts of pressures on parents, many of whom are virtually kids themselves. It's the system innit?
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Old 9th Dec 2016, 05:45
  #7683 (permalink)  
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Aw, bless.....only UKIP could claim a "good result" by coming, erm, second.... a mere 13000+ votes behind the winner....!

Conservatives win Sleaford by-election - BBC News

And yes, I have noted, before the rattle banging and collective dribbling begins, that, both Labour and the Lib-Dems didn't exactly gain a significant number of votes.....not unsurprising however in a constituency which would vote for an amoeba if it wore a blue rosette.
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Old 9th Dec 2016, 07:05
  #7684 (permalink)  
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The interesting point being that Labour, which came 2nd in last year's general election, came last behind not only UKIP but also thr Lib-Dems - and lost their deposit.
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Old 9th Dec 2016, 07:37
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The BBC this morning keep saying that UKIP came a distant second, with emphasis on the word "distant". Only through gritted teeth do they mention that Labour fell from second place to fourth. It must hurt the poor dears to have to admit it!
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Old 9th Dec 2016, 07:55
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Originally Posted by KnC
... not unsurprising however in a constituency which would vote for an amoeba if it wore a blue rosette.
Oh dear, insulting the electorate again! Hasn't the left learnt that that was the sort of behaviour that got Trump in in the USA? How did Labour do against say the LibDems ... or even UKIP? Oh they both did better than Labour. Let's put it this way, that electorate was far too intelligent to vote Labour!!

I agree with sitigeltfel, those who live off our TV Licence fees must find life very difficult these days, i.e. they have to live off the money taken from people who are ... who are ... more ... right wing than they are!! (They must struggle to get words like that out!)
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Old 9th Dec 2016, 08:08
  #7687 (permalink)  
 
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Cameron says that populism cost him his job. Populism is the people getting involved in political matters, which is democracy. These elites just don't get it, do they?
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Old 9th Dec 2016, 08:25
  #7688 (permalink)  
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The left elite ( and some of the right) just can't work out why the people are not listening to them and accepting that only the elites know what best for them. It is such fun to watch.
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Old 9th Dec 2016, 08:48
  #7689 (permalink)  
 
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Originally Posted by SOPS View Post
The left elite ( and some of the right) just can't work out why the people are not listening to them and accepting that only the elites know what best for them. It is such fun to watch.
It's a joy to behold, it does make you ponder as to what it will take for the Guardianistas to finally realise they are wrong.
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Old 9th Dec 2016, 09:19
  #7690 (permalink)  
 
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No doubt the usual suspects will be all to ready to froth at this

Sky Views: The nasty surprise in this year's Autumn Statement

but a Tory government taking a bit more money from the 'better off' in society, well who would of thunk it.
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Old 9th Dec 2016, 09:33
  #7691 (permalink)  
 
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Originally Posted by Prophead View Post
the problem is they shouldn't be given the credit in the first place.
Nope, the problem is that they shouldn't 'want' credit in the first place.

I will no doubt get slagged off for this sentiment but during our formative years we saved for pretty much everything we ever bought. The only things I can ever recall us having a loan for was a car in my youth and the mortgage for the houses we have owned.

That sort of approach to finance, as in if you can't afford it then save up till you can seems to be a thing of the past.
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Old 9th Dec 2016, 10:53
  #7692 (permalink)  
 
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Originally Posted by ORAC View Post
The interesting point being that Labour, which came 2nd in last year's general election, came last behind not only UKIP but also thr Lib-Dems - and lost their deposit.
Not really surprising. I have a strong suspicion that amongst the majority of those who actually vote (rather than those who get themselves on the media and have a rant) Labour may well be the third or fourth party overall now.

The problem the LibDems have is that they are inextricably wedded to keeping us in the EU, frustrating the democratic decision to leave, would most probably try and get us back into the EU if they ever got back into power and so, right now, that puts them in a difficult place.

I live in a rural area that has been a very strong Conservative seat for decades. However, I know that many here are unhappy with the way the Conservative Party is heading and many have views that are more aligned, overall, with the LibDems. Few here would ever vote LibDem, though, purely over the EU issue. They'd rather vote UKIP if they wanted to protest about the government.

Like most Western democracies, we tend to want governments that are around the political centre, the ground where the LibDems have traditionally had some sound policies. We're now faced with an opposition party that is at the extreme left, in fact so far left as to be unelectable for years, in my opinion. A centre party that lacks good leadership and is wedded to a policy that the majority of the people don't agree with and a nutty protest party, UKIP, who keep attracting votes, probably because people are fed up with the main three parties.

If the Lib Dems were to get their act together, drop their insistence on being in the EU, and put forward some really solid policies that were firmly in the centre, then I personally think they might do quite well. Realistically, they have until the 2025 election to get themselves sorted, as Labour will definitely lose the 2020 election the way they are going and that means the Conservatives will just gain in strength. By 2025, if past long-duration conservative governments are anything to go by, they will have pushed things too far to the right, and the country will be looking for a government that is more moderate.
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Old 9th Dec 2016, 18:40
  #7693 (permalink)  
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" I agree, the problem is Labour opened up easy credit to everyone to make us all feel 'better off'.

It will take a generation at least to end that addiction and people won't stop wanting it until they get used to not being allowed it.

From the top banks and retailer right down through the credit reference agencies and doorstep lenders, the whole system is designed to get people into debt and more importantly, keep them there "
.

If you are referring to the Consumer Credit Act 1974, you would have a point...as it is, you don't , merely the opportunity to join the chaps with yet more anti-Labour sentiment.

Take a look at the credit boom of the 80's and then the early 90's, all fuelled by a Tory Gov't I seem to recall, and, when inflation became recession, a lot of people got hurt in the property market and with personal debt thereafter.....

You are correct about the financial services sector encouraging credit spending...the interests charges are how they generate their profits, so why bite the hand that feeds you.....however, whilst it's easy to disparage the poor, and even easier when you have a much vaunted comfortable lifestyle and thus unable to relate to basic domestic finances for many millions of others....see the link on poverty I provided earlier,...where it becomes more problematic is when the level of debt affects the beloved ideals of "middle England", those who simply have to create the illusion of wealth in the company of their peer groups.

Again, despite the Mail induced histrionics on here about the poor frittering they money away on "booze, fags, 56in's televisions, mobiles " and numerous other items, in many cases, this is far from the truth....many are simply trying to provide a basic standard of living for themselves, and their families.

As the banks don't want to help, enter the parasites called pay day loan providers.

The banks, of course, were quite happy to take public finance help when they got into serious debt... due to their own greed......far less so to make a similar gesture of help to people who truly do need financial assistance .
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Old 9th Dec 2016, 20:21
  #7694 (permalink)  
 
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Never been a real fan of the 'it's always someone else fault' argument.
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Old 10th Dec 2016, 00:47
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More faces than a town hall clock

Donald Trump makes call to Nicola Sturgeon
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Old 11th Dec 2016, 11:44
  #7696 (permalink)  
 
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Oh I do like a good laugh and my nomination for JOKE OF THE YEAR goes to
Diane Abbott with


Diane Abbott: 'Labour will close the gap with Tories within a year'

Diane Abbott: 'Labour will close the gap with Tories within a year' | London Evening Standard
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Old 11th Dec 2016, 13:54
  #7697 (permalink)  
 
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Oh I do like a good laugh and my nomination for JOKE OF THE YEAR goes to
Diane Abbott with


Quote:
Diane Abbott: 'Labour will close the gap with Tories within a year'

Diane Abbott: 'Labour will close the gap with Tories within a year' | London Evening Standard
Well, the way things are going, Labour cannot fail to close the gap (as in, Fings can only get better mate, innit). By how much- now that depends on the Tories, not Labour.

CG
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Old 11th Dec 2016, 14:49
  #7698 (permalink)  
 
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The problem we have is that none of the non-UK governing parties (with the possible exception of the SNP) seem to be fit to form an effective opposition, so it's hard to predict what might happen.

Labour hasn't a hope of getting into power fo as long as they have Jeremy Corbyn at the helm, simply because the majority of UK voters are moderates, and are unlikely to vote for an extremist from the left. As mentioned before, it's rather like the Michael Foot years. Foot was a reasonable enough bloke, but his political views were unpalatable for the majority of UK voters, and like Corbyn he had little or no leadership ability.

One might have hoped that the LibDems might get their act together, but frankly I can't see that happening without a radical shake up. They lost an enormous amount of credibility during the coalition, and their very strong commitment to being in the EU alienates them to 52% of voters.
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Old 11th Dec 2016, 17:51
  #7699 (permalink)  
 
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The problem we have is that none of the non-UK governing parties (with the possible exception of the SNP) seem to be fit to form an effective opposition, so it's hard to predict what might happen.

Sorry, VP, but I don't see the SNP as effective opposition. They have no interest in Westminster other than being a complete nuisance.
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Old 11th Dec 2016, 19:20
  #7700 (permalink)  
 
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their very strong commitment to being in the EU alienates them to 52% of voters
Possibly, depending on how much notice you take of the recent batch of surveys in which brexiteers are whining about "we didn't vote to leave if it's going to cost us, personally, actual money" (wtf did they think they were voting for then FFS?????).

But one might also point out that if the LibDems were to acquire the support of "only" the 48% remainers (given that all other parties in England are now for #brexit) that would be lots more support than they've had at most points during the last century.
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