Scotland Debate

[Old Skier]

Our politicians found out that it cost more to administer paid prescriptions than to make them free.
Is that the kind of practicality to which you refer.

No they didn't, they new it was a vote winner and as has been said by others who live in Scotland, gave that part of the budget more and cut it somewhere else.

 

[Doon frae Troon]

No they didn't, they new it was a vote winner and as has been said by others who live in Scotland, gave that part of the budget more and cut it somewhere else.

If my memory serves me right I think they found out that after you take out the young, elderly, poor, pregnant and invalids it left only about 7% of people who were required to pay.

 

[williamalex1]

You really don't want to be watching it.

Oh yes i do

 

[Old Skier]

Oh yes i do

Yep you do. Now get another one

 

[SwingsitlikeHogan]

Yep you do. Now get another one

Darn - but pretty good I thought. Total **** of a ref

Saw a YES saltire. I wonder if UEFA will fine Scotland for a fan flying a political flag - like St Johnstone were fined last week for a fan waving a Palestine flag at our last European home game - €18000.

 

[williamalex1]

Yep you do. Now get another one

Almost , but we got one stretchered off. Ref was terrible.

 

[SwingsitlikeHogan]

Almost , but we got one stretchered off. Ref was terrible.

Usual smug homer of a ref when referring a big team. Smiling condescendingly at the protestations of a wee team.

 

[Old Skier]

Smiling condescendingly at the protestations of a wee team.

Glad a Scot said that be it an English one.

 

[SwingsitlikeHogan]

Glad a Scot said that be it an English one.

The 'wee' would be in the eyes of the referee and not this viewer. And what do you mean by 'an English one'. ME an English Scot? Huh! I shall restrain myself.

 

[CMAC]

http://www.telegraph.co.uk/finance/...e-mortgage-meltdown-if-Yes-campaign-wins.html

 

[Adi2Dassler]

I’m finding myself surprised by how emotionally involved I’ve recently become in the independence vote.

The people of Scotland will probably not give a fig about my thoughts, only the whole thing feels like two fingers to the rest of the Union to me. It pains me to say this but I find myself irrationally disliking anything Scottish, which I’m embarrassed to have to admit feels like racism.

If a Yes vote goes through then I fear that my attitude to Scotland, a country and people I’ve always liked, will change and I won’t give a stuff about what happens to it or them from that day on.

I’m not big on politics but I think that the Union works pretty well, probably more so for Scotland with its own active parliament than for anybody else.

People of Scotland, I ask you to vote No to independence!

Dear Scotland, I don't like coming to terms with own irrational dislike of you and my mild xenophobia and racism, so to avoid me having to accept my own failings as a decent person, vote No, there's a good chaps.

regards,

A.Daftie

 

[Adi2Dassler]

http://www.telegraph.co.uk/finance/...e-mortgage-meltdown-if-Yes-campaign-wins.html

I've just skim read that but I get the gist.So my question is this:

Why would, Santander as an example, who have given me a mortgage for £50K ( sterling) alter the terms of that whether that be the rate ( exceptional rate rises, not ones by BoE) the currency or the timescale?Even if Scotland set up it's own currency and central bank.My mortgage is for £50K sterling.

The next one will be gas/electricity bills rising...can someone explain that one too?

 

[SwingsitlikeHogan]

Darn - but pretty good I thought. Total **** of a ref

Saw a YES saltire. I wonder if UEFA will fine Scotland for a fan flying a political flag - like St Johnstone were fined last week for a fan waving a Palestine flag at our last European home game - €18000.

I should have said. Total numbskull of a ref.

 

[One Planer]

I've just skim read that but I get the gist.So my question is this:

Why would, Santander as an example, who have given me a mortgage for £50K ( sterling) alter the terms of that whether that be the rate ( exceptional rate rises, not ones by BoE) the currency or the timescale?Even if Scotland set up it's own currency and central bank.My mortgage is for £50K sterling.

The next one will be gas/electricity bills rising...can someone explain that one too?

As I understand what I read, it's more along the lines of a new Scottish currency and conversion rates, post yes, as Westminster has outlined no currency union.

Adopting a policy of “sterlingisation”, whereby the Scots would keep the pound without a formal currency union, is unlikely and furthermore would prevent Edinburgh from joining the European Union.


Scotland would possibly have to create an entirely new currency, which would present a potentially nightmare scenario for anyone living north of the River Tweed with a mortgage that is denominated in sterling.

 

[Adi2Dassler]

As I understand what I read, it's more along the lines of a new Scottish currency, post yes, as Westminster has outlined no currency union.

Kinda what I interpreted. I fail to understand the nightmare.Lets create a scenario.

Scotland has it's own currency, lets call it the bawbag and the scrote, it's value is 80% of the £, so £1 = 80 bawbags.

My mortgage was taken out 10 years ago with Halifax and I've got £50K left, or 40K bawbags.Each month I used to pay £200 but now I pay 160 bawbags.The Halifax, to make it easier and to ensure they keep my business, are quite happy to show on my statement the d/d in either currency.I fail to see where the issue lies.I understand why the potential issue is being created by a frenzied and deeplu worried union at Westminster, it looks like me just be about to walk away.

 

[Adi2Dassler]

I have a question for both Yes and No camps.

I'm far from Scottish of having the most up to date information on the debate, but perhaps those in the know could hear me out and give a view based on what I say?

Before all the posturing, debates, speeches and so on, right at the beginning when the referendum was very first announced, how many thought it actually possible?

My reason for asking is the majority of folk on here at the time the referendum was announced saw Devo-Max as the real prize.

I wonder if Salmond thought the same?

I wonder if he thought to himself that the threat of independence would be sufficient in strong arming Westminster into full devolution of power?

It would explain why he has been so vague on such key subjects throughout the entire debate, especially currency, with no, announced or obvious plan B being uttered.

Now that the polls are moving in the Yes direction, I wonder if more pressure from the people actually voting Yes, to hear more about what will happen post independence, will cause him to give a little ore detail on the possible contingencies planned should his Plan A fail?

As I say,I have no vested interest either way, I'm just curious as to what the people this actually means something to think.

Salmond has always wanted independence, and from what I understand, didn't think he's get it this time round.But the movement of the yes side and the grass route mobilisation has been nothing short of spectacular.BT have been terrible on the ground and on social media, truely dreadful.YES have trounced them in a way only a few would think possible.

Salmond would have taken Devo max on the card in a heart beat but Cameron refused, it look slike it could be the worst choice Cameron has ever made.Presiding over the end of the union.

 

[SAPCOR1]

Kinda what I interpreted. I fail to understand the nightmare.Lets create a scenario.

Scotland has it's own currency, lets call it the bawbag and the scrote, it's value is 80% of the £, so £1 = 80 bawbags.

My mortgage was taken out 10 years ago with Halifax and I've got £50K left, or 40K bawbags.Each month I used to pay £200 but now I pay 160 bawbags.The Halifax, to make it easier and to ensure they keep my business, are quite happy to show on my statement the d/d in either currency.I fail to see where the issue lies.I understand why the potential issue is being created by a frenzied and deeplu worried union at Westminster, it looks like me just be about to walk away.

You got that the wrong way round, it would be 60k bawbags

 

[One Planer]

Kinda what I interpreted. I fail to understand the nightmare.Lets create a scenario.

Scotland has it's own currency, lets call it the bawbag and the scrote, it's value is 80% of the £, so £1 = 80 bawbags.

My mortgage was taken out 10 years ago with Halifax and I've got £50K left, or 40K bawbags.Each month I used to pay £200 but now I pay 160 bawbags.The Halifax, to make it easier and to ensure they keep my business, are quite happy to show on my statement the d/d in either currency.I fail to see where the issue lies.I understand why the potential issue is being created by a frenzied and deeplu worried union at Westminster, it looks like me just be about to walk away.

Wouldn't it be the other way around?

I doubt very much a new currency would trade stronger than the Sterling, Euro and dollar?

If you have, say £50,000 mortgage, your new currency isn't going to be stronger than Sterling and I would doubt stronger the € and $, especially with it being a new.

If the € sits at 1.3 against Sterling with the $ at 1.7, lets say your currency, being generous sits at 1.8 against the pound, your £50,000 sterling mortgage just became £90000 when converted from BB to £Sterling.

 

[Adi2Dassler]

You got that the wrong way round, it would be 60k bawbags

Aye, apologies.The question is still valid, where is the issue? I pay folk in Euros occasionally, I tell them I'm paying the £x then transfer the cash to them via bacs and it arrives in their account in Spain the Euro.

 

[FairwayDodger]

Aye, apologies.The question is still valid, where is the issue? I pay folk in Euros occasionally, I tell them I'm paying the £x then transfer the cash to them via bacs and it arrives in their account in Spain the Euro.

Maybe I'm not grasping the subtlety of your point here but you pay an exchange rate and possibly bank charges on such a transaction? Hence it costs you more.....