Member Info for mailman

Yes a showman with personality .. ... Sadly many that have be part of my entertainment on TV the past 40 plus years are disappearing .. Cliff Michelmore BBC Tonight programme many years ago also gone aged 96 .. And George Martin .. Last week..

Quite so I do not disagree.. No one actually needs a smartphone, but as you know they are mini computers now.. ... But as at my age technology avoidance can leave one behind the curve as each new generation lives on a different level and pace.. But many between 12 and 25 with one ... will hardly give them up and be without Phone .. and to teenagers it is street cred.. Regarding first House/ Mortgage.... We all have a choice to buy or not, and also according to now if one can afford or not...and more are staying at home with parents longer.. not always by choice. ATB

The pay gap increases every year .. The Thatcher era killing off the trade union power by encouraging house ownership and mortgage debt that put union striking on a catch 22 situation... Where workers can not afford to strike because of fear in failing on their mortgage commitment and family life..... so today union strike action is less affordable to workers so less action is taken to fight for better incomes... meanwhile higher earners incomes march onward higher... Housing affecting your kids and my grandchildren are facing unaffordable house prices and similar problems regarding the increasing cost of Renting.... Unless the TUC and Trade union movement collectively and regenerate the demands of the past for a better deal for a better living wage ...then the wage gap will carryon as it does now... Technology is mainly for business and passed down to the public to use and make profits from and control the public when hooked onto that technology..... Mobile phones a prime example...of mega money generator along with the internet which is no surprise that the internet is licence free to use and a cash cow to many businesses.. The majority of the public are hooked and would never by choice give up using the both of them..... Life goes on as they say... Keep well...

In reference to the companies you mention...... there will always be the BIG boys that grow above the rest... This said Apple, Microsoft and Google and others have all been embraced by countless millions around the globe. Regarding jobs, the amount of average UK paid full time jobs have been disappearing every decade since the 1970s - Technology has added to the situation with a wider scope of that reduction in these jobs... the increasing closure of shops around the UK has been reported that there is now a surplus of workers compared to the 1960s when you could leave your job and get another in the same week... and as the population increases so does the lack of good paid jobs... Regarding the next 20 years .. one could mention Driverless Electric cars, Robots, Bigger Planes some Hyper speed Planes, cashless society just payment cards or Fingerprint or Eye recognition.... Shops being changed into living accommodation, Voice activation in houses... The use of Technology is growing every year.. The Mobile Phone will probably be used for much more in future years for an even bigger range of use ability ....40 years ago in 1975 there was no computers, mobile phones and credit cards were just introduced..... and a house was affordable for one person on the average income to by their own house... and mortgage loans were based on one main persons income not to include a wife`s income.... now fast forward to today and a married working couples combined income can often not afford the same house that one could buy 40 years ago.....We now have many Company Exces earning many times more than a years TESCO Profits in the 1960s..40 years past History can tell you a lot and a guide to the future if it continues in the same speed and way... Finally the average person has little idea or power as to what is going on and even less idea as to control what he does know about.. as the goalposts are constantly changing..under the umbrella of Predictable UNCERTAINTY... Purely my thoughts .... All the best....

Franny ... The Internet may not be the answer ... but the Internet is part of our lives ... Like countless other things that have happened the past 50 years ... It comes under the umbrella of what is called progress... Progress unfortunately as we know can be used for good and bad... The Internet has connected most of the world with rapid speed and access to so much knowledge and what is going on in the world. The list of benefits and personal and business use is substantial .. One point that can be said is that the Internet financial benefits of making life easier and better is not always reflected in shorter working weeks and years or less stress of life... What more can one say ...

Computers will slowing do more and reduce the need of manpower as they have the past 20 years.... all working to make things better or faster 24/7... Balancing the cost of more technology against less people needed to work is a growing issue as we continue to move forward into the future... and increasing the population obviously will not help the job and housing situation ..One Email can be sent to millions on one touch of a computer keyboard key or a voice activation program... 25 years ago that would have meant millions of letters sent creating many jobs...makes one think what will be the whole computer system and working environment situation in another 25 years...

http://www.thenational.scot/business/rbs-cuts-550-jobs-after-robo-advisers-introduced.15032

Yes .. Too much imformation and passing the buck when things go wrong... One would think the the use of computers would mean a way of avoiding problems and to be more efficient, but as we all know that with human intervention, avoiding problems and efficiency is then often compromised. Regarding companies and computers .. If they all used the same programs and system then you would probably use computers to better effect and with better reliable results...and act accordingly... But as this not the case then different outcomes of variable computer results conflict ... So As always uncertainty remains King..

Hi.. Yes house prices have been part of the UK economy for the past 40 years... And it seems it must be kept going higher. Lifetime mortgages will no doubt be the future..Like wise terrorism and the growth in mortgage debt, credit card and personal debt ... Could well be with us all for many years to come. The downward treed to public buying at the cheapest places, Internet, poundland stores and the likes of Lidol and EBay and Amazon... And Amazon are starting to deliver their own packages and Royal Mail will feel the impact of loss business ... Times and changing fast in many areas as pressure to make money is getting harder .. Water companies reports of introducing standing charges and the longer interest rates remain so low .. Banks appear to continue to face lower profits and still paying fines and legal implications ... For years to come... And as RBS gets smaller ... The thought of an SP of £5 seems an unkown amount of years to come ... To me the massive UK personal debt bubble may well create another financial crisis in the next 10 years.. .. As we all know debt is a killer to an individual ... To much of it affects more and more .. And ongoing business cut backs and lower GDP and lower exports all add to the growing financial stress in the UK .... Reports of charging to drive into all major cities last month all add to the UK going into the wrong direction.. .. See what suprise if any in this weeks Budget .. And then the Euro vote....RBS SP of £3 by next December looks a hard task... In the current climate.. ATB

Maybe it has to be said that up to the 2007 financial crisis banks were not a so much a problem.. Move on 8 years and the banks on now on a complete reversal agenda of less power and debt... The global economic situation has totally changed and personal UK and Global debt is at all time highs...Affordability is not there to millions today...on many things Things today are on a different level to those under 40 years and for coming generations expect ability for the future ... Or have I got the wrong impression...

Thank you for posting this information... Answers a few thoughts... ATB

A good point ... Sadly I do not have the answer... Other than in RBS case it made the share price higher to take it out of the penny share range.. And any shares given to excs will be worth a lot more .. Someone else will hopefully have a more precise reason

Yes the past few years we have talked the talk about RBS... The low 10p of the 2008 crash and with a slow improvement the past 8 years with many bouts of volitity along the way... The last high of Feb last year of 4,12p... Seemed a move in the right direction only to fall the past year by neary 50% ... Be the reason RBS issues or China or Greece or Oil price drop and now talk of global recession... What the future holds is as usual uncertainty... .. Reports this week of 1 million jobs could be lost in the shop retail trade in the next 10 years due to changing shopping habits ... Banks also cutting more jobs along with Tesco job cuts and other supermarket changes .. Then the situation about the Euro vote and the growing debt mountain bubble.. ... Then any other global issues to come this year... The past 16 years since the start of the 2000 millennium has seen the most volitile period in my lifetime concerning so many issues . From terrorism, house price inflation, financial crisis, austerity cuts, population growth issues and mass migration into Europe, Internet creating empty premises ... the list is quite substantial when you stop and think about it all, and much of it is still unsolved .. The CNBC USA channel pundits often mention banks need interest rates to rise for profitability benefits.. But that seems a way off yet.. It will be very interesting to see what the state of affairs will be coming up to the annual results time by this time next year... In 2017 .. Globally or UK ... Beter or worse... It looks like a busy year ahead... ATB...

Yes are right..... Uncertainty and Patience.... still seem to hold the trump cards.. Have a good weekend.... See if my Arsenal can beat Manu... another uncertainty as Arsenal have only scored 1 goal in the last 6 matches...

If this is the last big bad news results .. Then hopefully things should start to go up.. Sadly uncertainty is always looking through the window... And if we do vote leave Europe in June .. That could be another pressure we do not need ... To stop any upward move... Traveller are you back in yet...

Glad someone picked up my mistake... I am now trying to make positive out of a negative .. lol.. The current turnaround and market rally .. And how long it will last is pure speculation.. Normally a drop after RBS results is not uncommon.. And not forgetting we are now approaching the end of tax year adjustments .. In 6 weeks time.. ATB

Cameron on Andrew Marr show yesterday morning ... saying that future migrant benefits could be paid at different amounts depending on what country they come from... Marr said so that could be up to 27 countries and 27 different ranges of benefits..... yes said Cameron.... Why has things just got to be made more and more complicated ..why doesn't the country that the migrant workers they come from, and where they are sending their UK income to where there children are still living, pay the child benefit to the mother in that country...at their own rate ..why UK tax payers have to pay child benefit to children living in another country ... seems rather strange to say the least... say 1000 UK workers worked in Poland could they claim child benefit at the higher UK rates for all their children from the Polish system ..... All rather confusing ..... The red tape and the possible amount of money wasted must be mind boggling... Meanwhile a plus start to the week... see how Lloyds results Wed and RBS on Thurs... affect the share prices

The SP was at a 412p high February last year .... In the past year ..OIL has crashed and mass immigration exploding into Europe, and the UK now has a looming vote to stay in Europe ... And the financial banking system has fallen to a lower ebb with low rates and profits. Reports of debt still growing every month in the UK ...not helped with bigger mortgage loans to buy higher priced houses... As the debt mountain bubble keeps growing it will no doubt be a regret if the bubble bursts in future years to come.. So a lot has happened in the past 12 months and is still happening now... See what next week brings ...Which is results week..

I have to believe in something... Fairies seem a safe an option as anything else.. lol Have a good weekend...

Probably stunned at the rise this week ... Another week to annual results and see what the magic fairy brings..