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Only freedom will do
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- £80 paid into Mrs E's SIPP to buy bonds. We weren't planning on adding to the SIPPs, but there was some orphaned tax relief hanging about!
- £24.44 paid off of 0% CC 3/4
- £5 paid into P2P account
- £1 P2P interest reinvested (need to stop eaing my young!)
- £0.10 P2P interest withdrawn
- £0.79 OPed
Finished glossing 1/4 of the living room last night, we should now be good to get the radiator fitted now. On with that tonight, hey ho.... I have now given up reading about the Referendum, I'm just getting frustrated with all the arguing now :eek:0 -
I lasted about 10 mins of the debate last night before I realised it was going to cost me money if I stayed in the room as the urge to throw something at the TV was becoming overwhelming.MortgageStart Nov 2012 £310,000
Oct 2022 £143,277.74
Reduction £166,722.26
OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
2022 MFW #78 £10200/£12000
MFiT-6 #28 £21,772 /£750000 -
edinburgher wrote: »
- £80 paid into Mrs E's SIPP to buy bonds. We weren't planning on adding to the SIPPs, but there was some orphaned tax relief hanging about!
- £24.44 paid off of 0% CC 3/4
- £5 paid into P2P account
- £1 P2P interest reinvested (need to stop eaing my young!)
- £0.10 P2P interest withdrawn
- £0.79 OPed
Finished glossing 1/4 of the living room last night, we should now be good to get the radiator fitted now. On with that tonight, hey ho.... I have now given up reading about the Referendum, I'm just getting frustrated with all the arguing now :eek:
Hi Ed,
your still very much in control with the finances which is great to see, I found the Tilly tidies really helped make the difference for us
Isnt this referendum so full of hatred compared to ours? Did you land up watching last nights effort ?0 -
I'm not sure El, I found our referendum to be exceptionally divisive.
I didn't watch more than a few minutes of last night because I was busy getting on with real life, which would seem to be a fitting motif for both referendums. A bunch of swivel eyed loonies on both sides froth at the mouth while the rest of us make up our minds rationally and then move on with our lives0 -
well Yes it was divisive and still is imho, I don't think we have recovered from it, but the arguments were internal not external, I worked with someone yesterday that was still going on and on about it bitterly, but when I hear the whole immigration stuff going on with the EU I just cringe and the violence just makes me shake my head and am so glad I aint voting. I do worry about what the fall out will be from this one, it is worrying
Real life is much more interesting0 -
I think our one definitely went external based on conversations with English relatives, quite angry in some cases.
I am completely torn on the immigration thing. Close proximity to Govanhill has made me realise just how uncomfortable I am being the odd man out. I don't walk past a group of 20-30 youths and heavily pregnant women who would appear to be migrants as not a one of them is speaking English and think 'yay! diversity!'.
Some of these people will have come to this country to avoid conflict and terrible deprivation, I can understand that and don't begrudge anybody peace of mind. But plenty of them are economic migrants and it's probably not an unreasonable assumption that quite a few work in 'black market' jobs. How else would there be such limited evidence of integration in certain parts of the country?
It's not a new thing. A close friend is British-born Chinese (2nd generation) and his parents own a house and have retired after raising a family of 5? kids, all who have been successful, uni educated, good jobs etc. Neither of the parents can speak a sentence of English despite 40+ years in the UK.
So I'm torn. On the one hand = people definitely have a right to peace of mind and stability. On the other hand = we fear what's different and some people appear to have no interest in becoming any less 'different', which doesn't help the fear.
Unless I'm a total xenophobe, I strongly suspect that this is how a lot of people feel.0 -
sorry you had that experience with relatives, that is such a shame really, my family ( Welsh / Scottish/ English) were split on our independence but we tend not to fall out over these things so it wasnt a problem for us.
I think a lot of people have reservations about migrants coming here, and I do believe these need to be addressed, however, I think that there is an undercurrent ( which occasionally reaches the main stream) of racism with some of the campaigning. This issue needs tackled with as well but in a calm way, what is currently happening is anything but calm.0 -
edinburgher wrote: »I am completely torn on the immigration thing. Close proximity to Govanhill has made me realise just how uncomfortable I am being the odd man out. I don't walk past a group of 20-30 youths and heavily pregnant women who would appear to be migrants as not a one of them is speaking English and think 'yay! diversity!'.
Some of these people will have come to this country to avoid conflict and terrible deprivation, I can understand that and don't begrudge anybody peace of mind. But plenty of them are economic migrants and it's probably not an unreasonable assumption that quite a few work in 'black market' jobs. How else would there be such limited evidence of integration in certain parts of the country?
It's not a new thing. A close friend is British-born Chinese (2nd generation) and his parents own a house and have retired after raising a family of 5? kids, all who have been successful, uni educated, good jobs etc. Neither of the parents can speak a sentence of English despite 40+ years in the UK.
So I'm torn. On the one hand = people definitely have a right to peace of mind and stability. On the other hand = we fear what's different and some people appear to have no interest in becoming any less 'different', which doesn't help the fear.
Unless I'm a total xenophobe, I strongly suspect that this is how a lot of people feel.
**waves at El**
I do think there's a case to be made that if you immigrate to the UK, you should learn to speak our language, too. I understand there'd always be exceptions (I can just imagine a Bangladeshi family, say, coming here, and the 70 year old mother is brought along too, I can quite understand someone of that age and of such a different culture wouldn't want to integrate, and I wouldn't blame her one bit).
Learning to speak our language is interesting. One of my nephews taught EFL in China and then Saudi, for a year at each place. Somewhere in a small Chinese town, and a Saudi town too, for that matter, there are groups of teenagers with marked Scouse accentsJust in the interests of balance an' all that
2023: the year I get to buy a car0 -
Waves back .. Hey KC0
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I do think there's a case to be made that if you immigrate to the UK, you should learn to speak our language, too. I understand there'd always be exceptions (I can just imagine a Bangladeshi family, say, coming here, and the 70 year old mother is brought along too, I can quite understand someone of that age and of such a different culture wouldn't want to integrate, and I wouldn't blame her one bit).
Learning to speak our language is interesting. One of my nephews taught EFL in China and then Saudi, for a year at each place. Somewhere in a small Chinese town, and a Saudi town too, for that matter, there are groups of teenagers with marked Scouse accentsJust in the interests of balance an' all that
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It's an interesting debate - and I think we (as a nation) are often a little hypocritical. We have thousands of British expats living in Spain - how many of those speak Spanish? My parents have a holiday home in Spain and the Brits that actually live there pretty much live a British life albeit with better weather - there is little or no integration with the locals.
I don't see immigration as an issue - the issue is controlling and balancing it to ensure there is sufficient school places, houses, hospital facilities etc.
Sorry to hijack the thread !0
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