Thought Id start this one going because its rather dead on this board at the moment and I suppose all my usual muckers are either at the Stella tennis event watching Dim Tim (lose again) or at Henly Regatta eating cucumber sandwiches (they wish,...NOT).

Anyway please feel free to just talk to yourself blast away and let it go on any company or subject you wish. Just wish Id thought of this one before.

cheers GF.

Hays Hays Hays.......

Latest marginal seats projection from Lord Ashcroft where the GE is won or lost.

labour with a 4 point lead gives them a 40 plus overall majority.

EASY PEASY.................

Lord Ashcroft’s weekly poll this afternoon has topline figures of CON 28%, LAB 32%, LDEM 8%, UKIP 17%.

Year to go!

goldfinger

Thanks for that i will take a look , there is so much advice out there from spread bet company's, but they nearly all say you have got to have system/trading plan to control your loses and stick to it.

Yep most certainly discipline and money management rules.

Ive seen great stock pickers start off in trading doing very well only then to come unstuck because they didnt have a trading plan and the discipline to carry it out.

Its an excelent book though and this chap the author is one of the best around with derivatives.

On that second link above you can buy the books second hand and they are just like new.

I always get my book s that way and must have over 700 books now on trading and investing.

MaxK - 10 Jun 2014 18:31 - 42174 of 42186

That was brillient Max

Bradford now under the spotlight re- to islam agenda.

I said this was just the tip of the iceberg.

Since schools were given their own budgets and central power taken from LAs this was bound to happen.

Gove trying to contol more than 2000 schools.......NO CHANCE.

This is a massive scandal that could easily lose the Tories their second place in British politics and is a god send to UKIP.

.

Actually the public may see that it is the Conservatives are the ones doing something about the problem. Don't forget this was going on under the previous Labour government and was brought to their attention. The difference is that Labour did nothing about it.

H/S, When do think that Ashcroft will come back into the fold? before the election sometime obviously of course.

One of Ashcroft's activities apart from supporting the Conservative party.

Launched in 1988 by Lord Ashcroft, Crimestoppers UK was founded in the wake of the murder of Pc Keith Blakelock during the Tottenham riots. Initially called the Community Action Trust (CAT), the charity was intended as a three-way partnership between the business community, the police and the media

The purpose was to encourage members of the public with information on criminal activity to come forward anonymously, without the fear of their identity being revealed.

Since its launch, Crimestoppers UK has received more than 1.5 million pieces of useful information which has led to more than 124,000 arrests, more than £126 million of stolen goods being recovered and more than £301 million of drugs being seized.

A lucky man....




Second-hand Volvo clocks up a million kilometres with no break-downs

Hire driver praises his ten-year-old Volvo which has done nearly one million kilometres without ever breaking down


http://www.telegraph.co.uk/news/newstopics/howaboutthat/10889173/Second-hand-Volvo-clocks-up-a-million-kilometres-with-no-break-downs.html

Post..........42190

Im afraid not Hays Maggie thatcher was the architect of Local Management Of Schools....see below.

Public services

Thatcher's neo-liberal policies affected not only industry and commerce but also public services.

Conservative legislation sought to drive neo-liberal principles into the heart of public policy. An emphasis on cost reduction, privatisation and deregulation was accompanied by vigorous measures against the institutional bases of Conservatism's opponents, and the promotion of new forms of public management. The outcome of these processes was a form of governance in which market principles were advanced at the same time as central authority was strengthened.

Thus the twin aims of Margaret Thatcher's education policies in the 1980s were to convert the nation's schools system from a public service into a market, and to transfer power from local authorities to central government.

repeat.....

Thus the twin aims of Margaret Thatcher's education policies in the 1980s were to convert the nation's schools system from a public service into a market, and to transfer power from local authorities to central government.

REVEALED: How 6 in 10 won't get the full £155 a week new flat-rate state pension

By JAMES CONEy
PUBLISHED: 00:36, 11 June 2014 | UPDATED: 00:36, 11 June 2014


Around six in ten workers will miss out on the full £155-a-week new flat-rate state pension when it is introduced in 2016, Money Mail can reveal.
Despite Government promises that anyone who stayed in employment their whole working life would be able to get the full state payout, official figures show that just 250,000 men and women will be receive the maximum weekly amount.
In total, 58 per cent of workers retiring in 2016 will get less than £155. More than two decades after the scheme is introduced, one in five will still fail to qualify for the full weekly payout.

Broken promise: In total, 58 per cent of workers retiring in 2016 will get less than £155
The revelation will be a blow to millions of people in their early 60s who have no time to build up extra qualifying years for the new pension.
The worst affected will be women, and anyone who spent years employed by a company that allowed them to save into a final-salary pension. They won’t get the full payout because they were allowed to pay reduced National Insurance contributions It will also hit teachers, nurses, servicemen and civil servants.

Today, Money Mail can also reveal that every worker is to get a personalised statement showing precisely how much they will receive in the new pension.
The figures are now being calculated by the Department for Work and Pensions (DWP) and will be available in the autumn for the first 2.5million men and women who hit state retirement age after 2016. This will be the first time workers will see just how much they’ll get — but many will be sorely disappointed.
Pensions Minster Steve Webb told Money Mail: ‘I am sorry if the message people have been getting has not been clear enough. For the sake of simplicity and to help people get a grasp of the issue, I have been saying everyone will qualify for the full flat-rate state pension if they had paid 35 years of National Insurance contributions.
‘Perhaps what I should have made clear was that they should have paid 35 years of National Insurance contributions at the full rate.
‘We are going to attempt to make it absolutely clear to people what they will be entitled to, and what they can do about it. And we plan to make a priority for those people retiring in the first five years of the new pension coming in.’

Reform: Pensions Minister Steve Webb has said he should have made it clear that people should have paid 35 years of National Insurance contributions at the full rate to qualify for the full flat-rate state pension
Currently, anyone who has 30 years’ worth of National Insurance contributions qualifies for the basic pension of £113.10 a week. However, many don’t claim the full amount because they had gaps in their employment history.
Women, in particular, are left on far worse pensions. Under the existing system, there are also various top-ups and credits retired people can claim.
But from 2016, a new flat-rate pension will be introduced. You will need 35 years of National Insurance contributions to qualify for the full payout. Though the official figure has not been released, this is likely to be around £155 a week.
When it announced this policy two years ago, the Government said that anyone who had a full National Insurance record would be guaranteed to get the new higher deal. But a fortnight ago, a Money Mail investigation proved this wouldn’t be the case.
Under the current scheme, higher earners could add to their pension by accruing benefits in a top-up scheme, called the State Second Pension (previously known as Serps), which can boost the weekly payout by an extra £165 a week.
Historically, workers in final-salary schemes didn’t claim the State Second Pension because their company pension was so generous. This process is known as contracting out. In return for taking this burden off the state, employees and employers were allowed to pay a reduced amount of National Insurance contributions — most recently for workers, 10.4 per cent instead of 12 per cent.
Now, under the new flat-rate pension, anyone who paid this lower rate will have a deduction made for the years they were contracted out. A hideously complicated equation will be made which involves calculating a ‘Foundation’ amount of pension someone could claim, and then deducting contracted-out years from this sum.
Essentially, it could mean someone who worked for 35 years, but spent 20 years at a company that had a final-salary scheme, being left with just 15 years of qualifying National Insurance contributions for the new pension. How much this would reduce the full £155-a-week pension is not yet clear.
It will be a devastating blow for all those led to believe they would get £155 a week. Many workers also might not realise they were contracted out because this was often done automatically by employers.
In theory, the new pension is supposed to make it much easier for everyone to understand. But because of the complicated calculations over what they can claim, it is almost impossible for ordinary workers to understand what they will get.
Money Mail has been swamped with calls and letters from readers who are utterly baffled. The official figures from the Department for Work and Pensions show just how many will miss out. In 2016, just 42 per cent of pensioners will get the full £155-a-week payout. The figure rises to 52 per cent in 2018 and 73 per cent in 2026. However, this still means that a decade after the new state pension is introduced more than one in four retired people will be claiming less than the full amount.
By 2040, 83 per cent of workers will claim the full amount. In a bid to end the confusion, the DWP is to give everyone the chance to have a personalised pension statement. They will be able to get this online or over the phone.
The DWP says that — except for very rare cases — even when people aren’t able to claim £155 a week, they will still be getting a bigger pension than they would have been entitled to under the current system.
Personalised pension statements will eventually be available to all workers, but those retiring in the first five years are being given priority.


Read more: http://www.dailymail.co.uk/money/pensions/article-2654291/REVEALED-How-6-10-wont-155-week-state-pension.html#ixzz34ILDRHpM
Follow us: @MailOnline on Twitter | DailyMail on Facebook

TALK ABOUT BEING DUPED.

DWP in a shambles once again.

Too many on this small Island chasing the same pound coin.

The cake has to be divided up into even smaller segments.

Its only going to get worse in my opinion.

Exclusive: Ukip surge is costing Labour as many votes as Tories, research suggests





Andrew Grice Author Biography


Political Editor


Tuesday 10 June 2014



Ed Miliband has been warned that Labour’s declining support among working class voters, many of whom are defecting to Ukip, poses the biggest threat to his party’s prospects of winning next year’s general election.



A study by the Labour-affiliated Fabian Society found that a gradual drop in support among blue-collar workers since 2005 has now been exacerbated by the rise of Nigel Farage’s party, putting Labour’s general election strategy in jeopardy.

Its research found that Labour’s lead in nine parliamentary seats would be lost if the results of last month’s council elections were repeated next year. Six seats would go to Ukip and three to the Tories, who would overtake Labour as Ukip eats into its support. The Fabians fear this “Ukip effect” could deny Labour victory in dozens of the crucial Lab-Con marginals that will decide the election.

The analysis, seen by The Independent, says Labour’s view that Ukip was a “Tory problem” has been “blasted” by last month’s Euro and council elections, and that it is hurting Labour and the Tories almost equally. Although the Fabians believe Mr Miliband can still win next year’s election, they warn that he will do so only by winning back the blue-collar workers.

The report concludes bluntly: “If elections are about momentum, then the Conservatives seem to have more reason for optimism than Labour. Labour will need to up its game to have a chance of a majority in 2015.” It warns that relying on working-class supporters to achieve about 35 per cent of the vote “will be insufficient to win.”


Marcus Roberts, the Fabians’ deputy general secretary, said: “The greatest threat to Ed Miliband’s hopes is the loss of blue-collar support. The Fabians have laid out how Labour can build a coalition of 2010 loyalists, ex-Lib Dems, new and non-voters and a few Conservative converts to win. But declining blue-collar support eats into its loyalist base and, crucially, the potentially sympathetic 2010 non-voters Miliband can’t do without.”


More uncomfortable reading here: http://www.independent.co.uk/incoming/exclusive-ukip-surge-is-costing-labour-as-many-votes-as-tories-research-suggests-9523847.html