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Sadly we have been saying ...Hopefully about so many things, for so many years, as many well know I take the view now that it is better not to assume anything and one will be far less disappointed..

Good post...and you are right the world suffering in basics has to change... so has humanity and respect to others... The trouble is we are fighting the system of not wanting to go to into a confrontation situation while fighting to improve things around the world... The THREE words of Greed and Peace and Religion are the cause of so many issues in the world today... which cannot be rounded up and controlled. Regarding the UK situation 2 things I would be concerned about .. 1 The housing crisis that we have now.. that was not so big an issue 50 years ago. .So will it get worse as more each year cannot afford to buy or rent and the house building may not be keeping up with the growing population. We have 1000 plus new homes being built in the next 10 years in Great Yarmouth area with a predicted increase in the population of 99,000 now to 120,000 in 20 years .. a bit low in my opinion . and they now say a third river crossing is needed to be built in 2020 to absorb the extra traffic generated ..cost 120 million, in 50 years the population could be 140,000 our local hospital car park is often full at busy times now. Local streets are full of visitor's cars.. with fury to local residents.. and car parking rage in the future..? More is not always better... 2 The jobs were plentiful 50 years ago now just the opposite. so will the robots and machine technology being introduce today.. gather even more momentum, resulting in even more part time and zero hours only working... This surely will create more low income poverty . I have heard that Birds Eye have introduced Zero hour working at their Lowestoft plant.. If a machine goes down some can be sent home... boy how life has changed... Less and less income stability. There seems to be more pressure for more of everything... More cars, more planes, more delivery truck and vans, Moore traveling on trains .. with less earning power to more, less can afford a pension and more people struggle and need the NHS. People Living longer and after care now seems to be an inconvenience and added pressure to our society .. Tax Avoidance losing shed loads of Billions every year is billions lost to HELP fund schools and the NHS and after care. The future at the current pace surely cannot continue for another 50 years without big financial changes of revenue to fund the growing loss of tax, through avoidance and increasing part time working by future cuts and technology. East Anglia railway just announced a Japan company buying into this Rail Network... Another issue as foreign players are taking over the UK .. They can pull the plug at anytime in the future if their demands are not met, and the UK government are forced to give in for fear of losing even more jobs .To many outsiders involved is never a good mix ..in the long run...Home production is surely best and we have more control and growth through our own ability It is an interesting debate but I think limits are a good for fairness

Certainly would... Who knows what the future holds Go back 50 years to 1967 ... No credit cards, mobile phones, satellite TV, digital watches or cameras, no vaping, no computers and just the start of supermarkets.... or channel tunnel or EU.and much more .... The question is what will be invented in the next 50 years by 2067 ...Will we run out of electricity to power all the electrical devices and future electric cars, will there be a cyber world war, how far will robots take over our jobs and lives and how many less will actually be needed to work ... Will teleportation be invented to travel from one place to another, for the rich of course ... what will be the UK population by then. will UK travel be gridlock in major cities and motorways... or will electric robot cars make it easier even if millions maybe whizzing around. Will there be trading or pensions by then if less workers are need to pay into them.. robots do need a pension. Drone deliveries ... with maybe hot food dinners.... I had this conversation at the weekend and a group of us came up with amazing ideas and what will be the result in other areas if they happened ... Your will probably have many thoughts of what 2067 maybe like... I would like a time machine to have a look...but that may take a little longer.. Keep smiling all... lets have some of your thoughts...

Yes it is media generated rubbish half the time... Who really cares who says what.. It is action that needs reporting not waffle and talk about thinking of taking action... It gets really boring to me ..... the constant ****ging off each other, like school children... After 50 plus years of it..... and with the past 10 years it has really stepped up with the all Media technology available today... with anything with a screen.... How times have changed... When we only had the Newspaper to read.. Now instant news throw at us by the second ..... I wonder if in 50 years time we will know the news before it happens... Just a crazy thought.. Have good day... All

What with Trump, Sturgeon, May and Brexit day after day .. It drives you nuts .. Talk, Talk, Talk.. Politics are now becoming a daily nightmare ... Like Groundhog Day everyday... Everyday TV news has politics, surely 10s of millions are not glued to watching it without fail.. The reality is that since the Brexit vote, the public have no further involvement in the process of politics until another election ... That's my point of view .. Others probably disagree...

Uncertainty we live with all of our lives. That is what makes the world go around. The future is totally unpredictable as we do not all live by the same rules or religion ... Then of course Greed and expectations are also vastly different ... All this said if UK interest rates start to move this year ...Then banks surely will profit and will help savers.. Low mortgages which have had a good run at such cheap levels and maybe time to move on to a more sensible realistic bank interest rate that is fair to all... maybe 2% to 3% But all this is again .... Uncertain as usual.... Have a good weekend ALL....

It is a change fast world today, and more are required to work harder for less or if lucky the same income. Cuts to so many things today from savings interest to the amount of police and whatever in between. With the ever increasing population and traffic on roads ..Things are certainly not looking to get better for the majority... in the next 10 years... The massive collective UK personal credit Debt must surely end in a bad result given time.... The sheer volume of consistently poor and bad news on TV NEWS everyday, is surely not a good prospect for the future. It just relates to the fact that UK troubles are not being resolved and are creating even more as they are allowed to fester into other things.. As for RBS I would certainly not assume they are out of the woods of their problems yet... as the value in reality has dropped from the old £6 ... That`s £60 in todays money after consolidation .. to £2.35p Today... How may bought in at 57p on the rise up from the drop to 10p in the financial crisis .. Which is £5.70p today. When it will reach £6 from now is anybody's guess The growth in loan outlets must hit banks profits to some degree.. like Aldi and Lidl has hit the big supermarkets.... As someone said to me the other day... There is just too much of everything now compared to 25 years ago.. It`s a different way of life and culture at a high stress pace.. more so in the cities...Now hacking into smart TVs and the apps to switch on your heating... The big one I hope will never come, must be terrorists hacking into our power plants..... Have good day tomorrow all

jings100 - LennyMac... We are still a long way behind 400p of 2 years ago ... I recently read that .. UK debt is at an all time record high of half a Trillion £s ..(500 Billion) ..of personal debt and overdrafts .. Without Mortgage Debt.. Low income UK poverty is growing and is encouraged further by more part time work only being offered. 25 year to 40 year mortgages offered and lifetime ones as well.. Never this bad 40 years ago.. .. Just seems a massive encouragement of more and more Debt creation and many incomes reducing in the opposite direction to pay for it all... or at least not increasing fast enough to afford such high mortgages... More people working part time work means less tax revenue and more benefits to be paid for. Mainly from the middle classes or at least those out of benefits claiming upwards. How this pans out and affects the roll of banking and their profits as more people seem to be hitting the wall of unaffordability to buy houses and many renting as well... plus more children staying at home with parents past 25 years of age. not able to afford to move out., by cost or low part time incomes... or both. Maybe another financial crisis is on the way, and as the population increases and the pressures and costs grow, and less 40 hour well paid jobs are offered ... There is always a UK problem on the news everyday now with .. NHS, Police, Housing, Renting, Population, Religion, Traffic congestion. Train Travel, Parking nightmares and all getting worse...and of course Brexit will keep on going for at least another 2 years... I wonder what the whole situation will be in 2020... will it be better or will the stress and debts be greater Purely my thoughts as usual... Have a good day all...

Tony Blair many would say used his position of prime minister in later years to feather his own nest and wealth grow.. Not a person to respect anymore in my eyes .. Are his speeches now just looking after his own interest again... As far as I can remember EU countries were supposed to have debts limits of up to 2%, but they let Greece go up to 5% plus and now we know the state they are in now and more trouble to come it seems... Meanwhile the Trend seems from other countries to seek their own independence with elections coming in the EU.... What with Brexit and other issues brewing in the EU and of course the USA ... I would expect a very interesting year... And Will Russia join in, we will have to see... All this said I am beginning to get fed up with the constant daily political bombardment of news wherever you see TV news .. In you face everyday is starting to be boring and a switch off now to me.. It is becoming relentless. just had 2 weeks sun break in Tenerife nice to have shorts on for a couple of weeks .. And little political news .. Bliss. Have a good week next week all...

Yes I do... Things have changed quite a lot the past 2 years and the way things are looking ...They will continue to keep on changing ... Greece looks like it may rear its ugly head again this year and Trump, Brexit, French elections and Germany issues and the EU in general ... can all have issues this year... Not to mention The NHS that is now in crisis because nobody the past 10 years has the ability to want to solve the crisis and actually achieve something for once...Lastly the growing problem of the Low Income Poverty Society where trouble, stress and frustration must be brewing as that cannot afford to live on the increasing amount of Part Time jobs only offered ..with 15 to 35 hours work...Riots could be an issue if things continue to get worse in the next 5 years... they will only put up with low incomes for so long... So we will see what the rest of 2017 brings... maybe a bumpy ride... Good Luck All...

I know this off topic .. but while things are very quiet here...It amazed me how Leasehold properties contracts can be manipulated... So I have posted this item... you maybe aware of or not... Reality Check On Leasehold properties.. This just a message to anyone interested about buying a leasehold property.. This morning on BBC 2 TV Victoria Derbyshire programme .... It highlighted the fact that some leaseholders had contracts with clauses with increasing yearly Ground Rents based on the RPI and some rising from £250 pa to £2,500 on compound growth charges...after 5 to 10 years putting many in a situation of unable to sell on their properties as the cost ground increases yearly ... putting many buyers off. The second point is that people maybe able to buy the freehold on their house for say 4K on buying the home and find after a few years the owner of the Freehold has sold the freehold rights to someone else and they want 15K plus for you to buy the same freehold from the new owner... Some people maybe in the position of not affording the increasing yearly ground rent and cannot afford to buy the increased freehold charge... and cannot sell the house to get out of the situation... because buyers do not want to take over the same problem... Never a problem when I bought my leasehold property 30 plus years ago and bought the freehold soon after... How business ways have changed to extract money from leasehold house and flat buyers... Be aware of the small bits in the contract that some solicitors are not picking up on and not explaining well enough to home buyers... The programme highlighted this point... Peter Bottomley Con MP was on the program wanting changes in the law to protect buyers from these Leasehold/Freehold traps... it was an Interesting item on today`s Derbyshire program if any of you thinking about buying anything Leasehold or your children... look on BBC catch up.... Hope this maybe of interest to some of you.... Have a good day all....

rafidell... Interesting post... Sadly it is full of the usual if and buts and could or maybe's... RBS moves up and regardless of reports over the past 7 years as many of us have experienced .. Re my post last Monday... Have good weekend all..

rafidell and all, with all due respect all this Brexit waffle will go on for ages, and as for uncertainty, well we all live by unceratinty everyday.. Nobody knows what the next 5 years will bring in or out of the EU or we would all be rich and have less stress.. 90% of us have little say in our future after any vote, and then the result is then in other people's hands. No political person gives a straightforward positive definite answer to questions put them that is telling us what is going to or will happen. That has been the case for the past 50 years that I know of... The bottom line to the majority regarding Brexit in the UK is... What will be will be... And as many changes come along... We will adapt as usual.. Apart from a major earthquake or nuclear attack or whatever.. Life in the UK is getting more stressful every month as the population and traffic increases and NHS and ongoing monetary cuts creates more ongoing problems... In the meantime countless reports, statements and debates will no doubt be coming through the usual media systems in the next 2 years .. So we will listen, learn and digest and probably end up being none the wiser of what will happen in future coming years... We haven't even started Brexit yet and countless opinions are in the news every week of what might happen if something else happens .. Hardly a basis of any discussion of certainty of what could really happen... Meanwhile as always Uncertainty is one of the Certain things in life... So Theresa May must Revaluate and Renegotiate and Reinstated what has to be done.... Simple requests,... that many I would think would want after Brexit ... But that's just my opinion... Good Luck All

Another start to another year and the usual down trend after the Xmas rally... The run up now is to the annual bank results .. As most regulars know over the past 7 years.. RBS goes up and down.. The past years from 570p .. 57p old money .. Down to 300p and then up to 400p and back down to 162p and now where we are today.. That's RBS for you.. And the big boys make millions on these constant move swings.. As disgusted many times getting back to 570p which some need to break even is more in hope or a dream away now... The banking world has changed so much since 2008 And the pre 2008 crash price of £6 .. Would need to be £60 in today's terms and that will never happen in my lifetime.. Good luck all..

Here`s wishing you all my Seasonal Greetings and a Better and enlightening 2017.. Will the wind of change emerge from the possible activation of BREXIT article 50 next year..? We have yet another unknown year to look forward to...and Next year could be more interesting than some past years... Incredible mild weather in Great YARMOUTH ..clear blue sky again today.. Best Regards to you all .. and Keep Smiling.....

I think it fair to say that to most of us.. The state of play for us investing in RBS is as uncertain as it has ever been... To much going on at the moment and the next few months , with migration, Brexit Artic 50, USA may put up interest rates in Dec, The coming UK budget statement, Employment figures stalling, The US Election result, and probable coming inflation and more possible unemployment as Travis Perkins announces branch closures and 600 jobs affected... and the stock markets at near record highs... RBS goes up and down no matter what as many here know over the years.. But since Feb 2015 with a high of 412p the move has been slowly downward of over 55%.. With Savers earning less money, Banks interest so low reducing profits, UK import costing more impacting businesses ... Very volatile times for investing it would seem... anything could kick off at anytime... the calm before a storm ..Maybe ?

We have talked the talk here for the past 6 years about RBS getting better, out of the woods, ready for the big rise back.. all have come to nothing... Most of the other UK banks have dropped and remained below their high of the past 3 years... The UK banking shares have performed poorly in general, The state of the economy to the majority is also lower, Brexit will also no doubt create other Banking issues unknown as yet... There could be another recession, I hardly think there will be another BOOM in the next 2 years... so much of the UK economy and basic services is under pressure ... The Tax system still allows billions a year to be lost via personal Tax and Business Tax avoidance. while the NHS and many other basic needs are subjected to cost cuts.. No way to run the UK finances in my mind... The Banks will shut more branches in the future and the downward spiral will continue .. You can see it all happening in years to come The future will electronic banking and any failure will cause chaos and going to a main bank for any reason for most will be miles away or by phone or Email and that takes as long as piece of string at times now...Banks will make more profit when interest rates rise.. when they rise and that will create many other problems of more Debt creation.. and house repossessions. Things are not looking that great on the whole for so many things as we all well know .. Everyday another bad NEWS ITEM problem or issues years old that are getting worse.. Housing a Major UK problem that will impact on many things in the future if not sorted at some time... If unaffordability is getting worse for more each year ..what is the future being created... there was Never such a major set of problematic issues ..25 years ago .. Boy how things have changed... And it is all about the MONEY ..Those that have against those that have not.... 2025 maybe a cashless society and no high street banks needed ... Just make a mistake on line and you will have to a your own financial adviser with no bank to visit to talk to anyone... A faceless banking system in the making.. The price of RBS shares by 2025 GOD KNOWS.. if it still here... Whatever happens we will have to deal with it... .. Just my thoughts... GOOD LUCK ALL

The next issue for the UK and RBS may come from the USA, and if they do decide to raise interest rates in December .. Which has been talked about this week on CNBC. One thing looks likely with so much going on, with talk of banks might leave the UK, then Brexit issues and the Pound falling and any more problems that are unknown yet in the coming 6 months lead up to March, When Theresa May activates Article 50 ... Then all hell might break loose for how long...as we embark on another road of unknown territory.... In a years time things will no doubt be a lot different Personally taking on any major amount of Debt ..Mortgage or other wise before Article 50 is activated, many be a regrettable move as you have no idea what the affect will be for the first year afterwards .... Prevention could well be better and less costly than finding the cure afterwards if things turn nasty... Never assume anything... Uncertainty is King. Waiting it out until April may prove a wise move...With Terrorism, Finances, The economy, The Pound rate. and Article 50 .and whatever else is on the way... .It looks like the possibility of an evil 6 months road ahead.. What will THE EU be like in another year.... Will house repossessions start rising again... Proceed with caution when major uncertainty is around.... or take the chance and jump in where others fear to go.... We all have that choice... Good Luck All.. Knowbodyyouknow -- Lets hope your loss is short lived or doesn't drop to much further...

You asking for a 150% plus increase ... Unless interest rates rise enough to better banks fortunes, there seems little chance of that amount of rise being justified... As the growth of house buying in the 1970s, 1980s and 1990s has now gone into reverse and more and more cannot afford to buy a house and renting going the same way... It is going back to the 60s with house prices 30 times plus 1960 prices ... No credit cards in the 1960s but now the personal debt mountain is massive and many using credit cards and overdrafts to live and pay their rents and mortgages.... Now Brexit is bound to create some unkown problems and the EU may have other countries leaving .. Who knows and conflicts around the world seem to be remain unresolved.. How the majority of the UK are Expected to have their wealth grow in the next 10 years seems impossible, in fact the growing density of population of many cities is creating poverty stress and hardship ... And house over crowding ... Not the best environment for banks growth ... Things are so different from 40 years ago and tnow he pressure is on...

My take on Brexit is that after 40 years thing have got in a major rut. It is making a few very rich and creating a massive amount of personal Debt throughout the EU ... And there has to be reason why over 40 years house buying is not affordable to more more so over the past 15 years and not one effort made from anyone to stop this trend ... And now mass migration into the EU on a scale never seen in my lifetime will create many costly unkown changes to come ... Total freedom of movement is not sustainable in the UK in the next 15 years with a few reports of another 5 million into the UK by 2030 if we stay in the EU and except EU movement rules.. Our roads, trains and cities are so crowded now it is nightmare compared to 20 years ago .. It is no good increasing the population if conditions for many already living the UK are getting worse and basic services struggle now.. The U.K. Has around 65 million and France has about 5 million more but is twice the size of the UK give logical thought to the UK is over croweded now .. If 5 million extra did come to the UK that would mean up to 1 million more cars on our roads and that would certainly slow down travel and goods around the UK and where is 3 million houses going to come from .. More is never better but enough is just nice... Poverty is being created more each year .. I moved to the coast 40 years ago to a population of 30K, now it is around 90K and cities even greater increases in millions the past 40 years .. Brexit is dooming the UK to increase this trend.. I have lived through the years of ease of seeing a doctor and speaking on a phone to a person at a company and seeing both completely reversed and now a struggle and traffic volumes and parking nightmares .. If we cannot run the UK better with 65 million then another 5 million or more in the future will just clog up much of the system..