Search found 1227 matches

by Lowbankclaret
Sun Jul 21, 2019 10:34 pm
Forum: The Bee Hole End
Topic: Advice re: harassment at work
Replies: 72
Views: 3025

Re: Advice re: harassment at work

Don't you think the troublemaker is more likely to be sacrificed in this case? She has pretty few friends left now. Yes I do and I would not say anything in her position and hope there is no repeat. Being English abroad at this time will be really challenging with Brexit and how Europeans feel abou...
by Lowbankclaret
Sun Jul 21, 2019 6:48 pm
Forum: The Bee Hole End
Topic: Fishing
Replies: 21
Views: 870

Re: Fishing

Where do you fish Holty. I usually just stick to commercials, wouldn’t know where to start on a big water You might want to think about joining Pendle, Burnley and district AA. I was a bailiff and on the committee till earlier this year. You have three carp waters to go to. Rowley , Walverden and F...
by Lowbankclaret
Sat Jul 20, 2019 9:01 pm
Forum: The Bee Hole End
Topic: Advice re: harassment at work
Replies: 72
Views: 3025

Re: Advice re: harassment at work

Please send CT an email with details of your company. Just say forward to lowbank. I will contact Unites full time officials I know to understand how your company is dealing with this issue outside of UK law. Now I back in the UK, still waiting for your email. Happy to ring our full time officials ...
by Lowbankclaret
Sat Jul 20, 2019 8:57 pm
Forum: The Bee Hole End
Topic: Advice re: harassment at work
Replies: 72
Views: 3025

Re: Advice re: harassment at work

Out of interest... did someone else let her know she was making faces behind her back?? ... Just if that was me... I wouldn’t tell the person being targeted, but would definitely have a word with the culprit, or potentially mention it to a manager. Bullying in the workplace can often be nipped in t...
by Lowbankclaret
Sat Jul 20, 2019 8:49 pm
Forum: The Bee Hole End
Topic: Advice re: harassment at work
Replies: 72
Views: 3025

Re: Advice re: harassment at work

Why would HR cover it up? In my experience the union would be more likely to "cover it up". God help employees if all union reps were like this. HR work for and are employed by the company. They tend to be a front to protect the company, not protect the employees . Never think if you go s...
by Lowbankclaret
Sat Jul 13, 2019 10:50 pm
Forum: The Bee Hole End
Topic: Advice re: harassment at work
Replies: 72
Views: 3025

Re: Advice re: harassment at work

Where I work (pretty large multi-national) what you are suggesting would result in a suspension. In fact it would just mean you were several more instances away from them getting suspended. In OPs wife’s situation, I would just tell the person I wasn’t happy with what they’re doing. All these other...
by Lowbankclaret
Sat Jul 13, 2019 10:21 pm
Forum: The Bee Hole End
Topic: Advice re: harassment at work
Replies: 72
Views: 3025

Re: Advice re: harassment at work

Where I work (pretty large multi-national) what you are suggesting would result in a suspension. In fact it would just mean you were several more instances away from them getting suspended. In OPs wife’s situation, I would just tell the person I wasn’t happy with what they’re doing. All these other...
by Lowbankclaret
Sat Jul 13, 2019 8:08 pm
Forum: The Bee Hole End
Topic: Advice re: harassment at work
Replies: 72
Views: 3025

Re: Advice re: harassment at work

The other day my wife was explaining something to one of her colleagues and another coworker was stood behind her making blah-blah gestures and stupid faces to mock her. It's a large American company famous for making jeans (yep, that five-o-one). My wife has been there for twenty years and has nev...
by Lowbankclaret
Sat Jul 13, 2019 6:47 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

There's no evidence that this is happening though, it's just what he believes will happen. The US have just sent some ships to the Gulf for instance. It's also assuming that when the US become energy independent that they won't be importing or exporting anything else, they're just going to be entir...
by Lowbankclaret
Fri Jul 12, 2019 8:34 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Martin P, I also get your point about increased use of AI and robots. That’s an area I know a bit about. That’s not going to help but make matters worse. So and I need to be cryptic so I don’t get into trouble. Take the process of forging an alloy wheel. It’s a 4 stage forging process In Europe to c...
by Lowbankclaret
Fri Jul 12, 2019 7:57 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

I’m not sure where to start with that muddle of a post! Yes, there’s a good chance we’ll go into recession when we leave the EU according to experts. I agree, but that wasn’t your point. It’s know what a recession is, but thanks for the dictionary definition. Germany may or may not have gone into a...
by Lowbankclaret
Fri Jul 12, 2019 4:49 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

I’m not advocating anything, i’m arguing against your assertion that paying out more than you take in equals a recession. We’ve had a budget deficit for a while now and are likely to continue to do so for a while yet (despite Cameron’s promise it would be gone by now). That fact hasn’t caused a rec...
by Lowbankclaret
Fri Jul 12, 2019 4:37 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Devils_Advocate wrote:You must have felt like you were in a scene off Dumb and Dumber debating with those two last night Martin


And there it is, someone posting derogatory insults.

Think that’s shows more about your intellect than mine.
by Lowbankclaret
Fri Jul 12, 2019 3:58 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

You can draw different conclusions from the same data. For instance the increasing levels of automation and machine learning will have a big impact on society. Are younger people going to be as productive when a lot of their jobs are potentially easy to replace. When knowledge becomes more importan...
by Lowbankclaret
Fri Jul 12, 2019 3:49 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Google that population pyramid that Lowbank shared, but this time for China. Wowzers :shock: Anyway, the reason for logging on is just to say - on his enforced pre-retirement wind down, Andrew Neil's total and utter destruction of Blair's 10 year Chief of Staff, Jonathan Powell, is brilliant. Look ...
by Lowbankclaret
Fri Jul 12, 2019 1:05 am
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

martin_p wrote:Your mistake is thinking that personal debt and government debt are in any way analogous. The U.K. has been in debt at various levels for over 300 years, it’s how countries run.


So your just advocating borrowing more and more money and never paying it back. Adding more burden onto less kids.
by Lowbankclaret
Fri Jul 12, 2019 12:56 am
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

aggi wrote:Has this come from a less kooky source than Peter Zeihan?


So do you have alternative data that proves his wrong.

What are your conclusions based on your data sources.
by Lowbankclaret
Fri Jul 12, 2019 12:44 am
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

More people take out than put in now. That’s why we have public sector borrowing. It doesn’t equal recession (for a start the care sector is booming!) That is simply illogical, if you take out more than goes in your in debt. If you borrow to support less and less people putting in, eventually you a...
by Lowbankclaret
Thu Jul 11, 2019 11:53 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

aggi wrote:Has this come from a less kooky source than Peter Zeihan?


To be fair demographic data is just data.

Do I agree with some of his conclusions , no.

But more people taking out than putting in equals a recession.
by Lowbankclaret
Thu Jul 11, 2019 11:47 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

The facts you have are demographic not economic. Care for the elderly costing more is something that certainly needs addressing, but that fact does not equate to their being a recession. So less people in work, with all their money going on care for the elderly. I know people paying 600-1000 per we...
by Lowbankclaret
Thu Jul 11, 2019 11:43 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Except no one believes that except you. Even some of the most ardent Brexiteers will admit that leaving the EU will cause economic damage (short term in their opinion). 43E11280-8CEA-4CB7-A05F-F89B76ACA414.png India’s demographic is considered normal. There are loads of young people earning money t...
by Lowbankclaret
Thu Jul 11, 2019 11:28 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Except no one believes that except you. Even some of the most ardent Brexiteers will admit that leaving the EU will cause economic damage (short term in their opinion). You can try to ignore economic fact. It’s actually nothing to do with Brexit, the demographic facts are coming home to roost. If y...
by Lowbankclaret
Thu Jul 11, 2019 9:56 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

martin_p wrote:The EU aren’t playing games, they’ve been consistent from day one.


True but they are trying to ignore the fact a recession is coming, which the US will be immune from.

Choose your dance partner.

One drags you down with it, the other we could just hold our own or even prosper a little.
by Lowbankclaret
Thu Jul 11, 2019 9:11 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

martin_p wrote:I thought we’d seen the last of ‘it’ll hurt them more than it’ll hurt us’.


It’s gunna hurt either way, recession in or out.
by Lowbankclaret
Thu Jul 11, 2019 9:09 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

If we stay in we get dragged into the recession . At least if we are out we can try to do deals with the rest of the world and limit the damage. We have the same demographic problem of more old people. Not enough young people to pay taxes to pay for them. Read Peter Zeihan stuff it makes interesting...
by Lowbankclaret
Thu Jul 11, 2019 8:35 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

A93C51BA-C0DB-4050-A336-964327471D42.png I have mentioned before about reading up on geopolitics. The fact is that as you can see from Germany’s demographics, they have like most European countries got an ageing population. That’d going to increase costs of looking after the old with less people to...
by Lowbankclaret
Thu Jul 11, 2019 12:13 am
Forum: The Bee Hole End
Topic: Is Attenborough right?
Replies: 118
Views: 2882

Re: Is Attenborough right?

Not sure that solar panels are very efficient in the UK. There’s more sunshine in Germany. New housing developments in the UK are required to take a more fabric-first approach which minimises the energy use of the building throughout its life. Not sure you get the idea, generate your own electric, ...
by Lowbankclaret
Wed Jul 10, 2019 12:22 am
Forum: The Bee Hole End
Topic: Is Attenborough right?
Replies: 118
Views: 2882

Re: Is Attenborough right?

Rileybobs wrote:Almost everything we do is needless.

No everything we do orientates around profit.
by Lowbankclaret
Tue Jul 09, 2019 9:00 pm
Forum: The Bee Hole End
Topic: Is Attenborough right?
Replies: 118
Views: 2882

Re: Is Attenborough right?

Cars are far more damaging than planes, in every single regard. Limit cars to one per household, or charge double tax for each car after the first registered to that home or something. It won't ever happen because it's a massive industry and it's much easier to stop the Smiths from Burnley going to...
by Lowbankclaret
Tue Jul 09, 2019 7:18 pm
Forum: The Bee Hole End
Topic: Is Attenborough right?
Replies: 118
Views: 2882

Re: Is Attenborough right?

“Sir David told MPs that everyone would have to play their part in the battle against climate change, and this would involve some tough decisions. He criticised airfares as too cheap, and said that these should rise to discourage flying.“ I can see the logic but I’m not sure it’s the right approach...
by Lowbankclaret
Tue Jul 09, 2019 4:58 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

So to be clear: There's threat of redundancies at work and yet you're 100% against remain, which (in the short to medium term at least* ) offers the lowest risk to jobs? (* Of course Jeremy Hunt says that losing your job will be a small price to pay, but can you explain for what? He apparently can'...
by Lowbankclaret
Tue Jul 09, 2019 4:47 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Following on from me trying to get you guys to see the world view of what’s going on. Please read what Peter Zeihan thoughts are on Hong Kong. 4 July 2019 by Peter Zeihan Hong Kong has been one of the most important economic locations on the planet for over a century. China has always had problems h...
by Lowbankclaret
Tue Jul 09, 2019 4:46 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

So to be clear: There's threat of redundancies at work and yet you're 100% against remain, which (in the short to medium term at least* ) offers the lowest risk to jobs? (* Of course Jeremy Hunt says that losing your job will be a small price to pay, but can you explain for what? He apparently can'...
by Lowbankclaret
Tue Jul 09, 2019 3:38 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Labour will get obliterated by Lib Dems in most of the country if it doesn't adopt a basically pro-remain agenda. All the polling data suggests this, and the pragmatists (as opposed to the idealists) in the party recognise this. It might lose some seats in Yorkshire leave areas, and maybe one or tw...
by Lowbankclaret
Tue Jul 09, 2019 3:31 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

That's not true. McCluskey, of the most influential union UNITE, strongly believes we should leave. and ASLEF, another biggie, were outright Brexiters from the start. The unions were actually the last to throw in the towel to the Blairites. This shambles was due to the overwhelmingly remain members...
by Lowbankclaret
Tue Jul 09, 2019 12:46 pm
Forum: The Bee Hole End
Topic: Brexit: The Naked Truth
Replies: 10426
Views: 155419

Re: Brexit: The Naked Truth

Labour are now firmly a remain party and will campaign as such in a second referendum , which they now firmly back.

It’s what the major trade unions have always wanted who fund the Labour Party, no surprise really.
by Lowbankclaret
Wed Jun 26, 2019 6:18 pm
Forum: The Bee Hole End
Topic: ARTICLE: Ward set for Stoke
Replies: 26
Views: 2568

Re: ARTICLE: Ward set for Stoke

At first sight a bad move for us. He was a really consistent player.

Now if we had a replacement.

Also Gibson being allowed to leave .

We had a good defence with good options, we are letting the options go and no replacements.


Not a good start for me.
by Lowbankclaret
Wed Jun 26, 2019 6:13 pm
Forum: The Bee Hole End
Topic: Glastonbury 2019
Replies: 300
Views: 7419

Re: Glastonbury 2019

Don’t know about who’s on yet and will be watching, however saw Pink last at Anfield. Bloody amazing.
by Lowbankclaret
Sat Jun 22, 2019 9:00 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

I have no issues with tracker funds but ignoring Europe, Asia, Emerging Markets and other asset classes seems strange. It’s all about where you are in life. I am trying hard NOT TO OFFER advice. I have had funds do 50% in a year, high risk funds but I was younger then and could accept a loss . I bo...
by Lowbankclaret
Sat Jun 22, 2019 8:41 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

Clearly hit a nerve somewhere. All I am saying is be careful. There was a thread about Woodford’s Income Fund last year and if one poster’s view ( who is supposed to be an ‘expert’) had been taken notice of they would now not be able to access their capital. many professional experts would have rec...
by Lowbankclaret
Sat Jun 22, 2019 5:30 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

Paul Waine, I am not sure we disagree on 99% of things. But I certainly agree with your explanations. I stick with my don’t have your eggs in one basket. I have an equitable pension, which has over the 21 years since they lost loads of money. It’s recovered fairly well. At 63 it will pay £10k a year...
by Lowbankclaret
Fri Jun 21, 2019 7:11 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

My suggestion is to use index link trackers for people who have a long term investment. Ie young people. History shows they have done about 7% and 9% year on year over the long term. Managed funds can do better in the short term but you need to manage it actively and trackers out perform them long t...
by Lowbankclaret
Fri Jun 21, 2019 6:46 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

I always find it’s s good idea asking these type of questions on a football message board :roll: Speak to someone who properly knows what they are talking about rather than message board ‘experts’. To be fair if that’s aimed at me. I am not here to make money. So called experts are there to make mo...
by Lowbankclaret
Fri Jun 21, 2019 6:36 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

Thanks for the info. I also have a previous fund with Aviva, is it a good idea to combine the two? Devil is in the detail. Risk is Aviva go bust leaving you with nothing. If it was me I would move your old one to a SIPP and put it in an index tracker fund like the ftse 250 or S & p 500, if your...
by Lowbankclaret
Fri Jun 21, 2019 5:33 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

fanzone wrote:I were putting 5%
Employer were doing 3%

The final figure weren't great.


What alternative option are you in now??

You were getting 20% tax relief on your 5% and the 3% was free money.

The final figures I would have to see to give an opinion.
by Lowbankclaret
Fri Jun 21, 2019 5:29 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

That is something I need to find out. I've only been here for a few months. All I do know is that it's through Aviva. So that will be defined contribution. You need to get log in details to see where your money is invested. I have an Aviva pension and it’s very restricted to the funds you can inves...
by Lowbankclaret
Fri Jun 21, 2019 4:59 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

any Pension where the company puts in money is a no brainer.

A final salary scheme will always give a transfer value so can move to a drawdown or SIPP when you retire. However you might have had a greater pot in a defined contribution scheme.

Hope that helps.

Any questions??
by Lowbankclaret
Fri Jun 21, 2019 4:55 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

So I've just landed a relatively good job at Bt and am looking into pensions. The BT one seems popular but as I have no idea I'm looking to you lot for advice. I know how much I want to put away, just have no idea who is good and bad Self invested pensions. SIPP’s. Very similar to defined benefits ...
by Lowbankclaret
Fri Jun 21, 2019 4:40 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

So I've just landed a relatively good job at Bt and am looking into pensions. The BT one seems popular but as I have no idea I'm looking to you lot for advice. I know how much I want to put away, just have no idea who is good and bad Defined contribution scheme. These are run by private companies. ...
by Lowbankclaret
Fri Jun 21, 2019 4:16 pm
Forum: The Bee Hole End
Topic: Pension
Replies: 58
Views: 3386

Re: Pension

Jel wrote:With employer contribution I've pretty much put that in this week!
Lots of overtime though.


What type of scheme are you in?

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