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	<title>Comments for Brite Finance Brokers</title>
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	<link>http://www.brite.co.uk</link>
	<description>Brite Finance Brokers: Insurance, Loans, Mortgages, Debt help</description>
	<lastBuildDate>Thu, 22 Sep 2011 11:11:10 +0000</lastBuildDate>
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		<title>Comment on New flat rate state pension scheme revealed by jeanne crawford</title>
		<link>http://www.brite.co.uk/2011/04/05/new-flat-rate-state-pension-scheme-revealed/comment-page-1/#comment-391</link>
		<dc:creator>jeanne crawford</dc:creator>
		<pubDate>Thu, 22 Sep 2011 11:11:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=25308#comment-391</guid>
		<description>I am due to retire in 2013 having worked from the age of 15, paying the full NI contributuions.  I will be paid a lower rate of pension than someone who retires after 2015 despite paying all my dues.  I think this must be illegal. It is blatent discrimanation.  We are all in this together, I think not?</description>
		<content:encoded><![CDATA[<p>I am due to retire in 2013 having worked from the age of 15, paying the full NI contributuions.  I will be paid a lower rate of pension than someone who retires after 2015 despite paying all my dues.  I think this must be illegal. It is blatent discrimanation.  We are all in this together, I think not?</p>
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		<title>Comment on Chancellor Osborne admits economy is weak by Carl Barron</title>
		<link>http://www.brite.co.uk/2011/09/07/osborne-admits-economy-is-weak/comment-page-1/#comment-402</link>
		<dc:creator>Carl Barron</dc:creator>
		<pubDate>Wed, 07 Sep 2011 17:52:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=27545#comment-402</guid>
		<description>Is this thing a joke of  Osbourne&#039;s: Austerity plans are here to stay?

Spending cuts are here to stay says Osbourne. Not in Tory Town Bournemouth who want to build a 5 Million Plus Service Center that the public don&#039;t even want. See the towns Echo Sunday 4th September 2011 for details.

The joke is the town hasn&#039;t even had a Bus Terminal since it was burnt down in around 1979 instead buses stand pumping out choking diesel fumes and blocking traffic flow.

Yet they are in process of trying to legitimately Land Grab 90 per cent of the Stour Valley Nature Reserve by fencing the area off from the public for the grazing of just TEN Cows in an area a mile and a half long, would you believe? Yet as we all know after 8 years the fenced off land reverts to the council no doubt to sell later to developers so they can misspend more money on wasted projects such as the one and a half million pounds or so they spent on a Surf Reef that doesn’t work.

Tory Town Bournemouth is becoming legendary for failed projects and bad planning such as the Eyesore Imax Cinema nobody wants to go to. Right on the seafront. Not forgetting the Prison Block lookalike BIC center which when used for Political Conferences causes vast amounts of lost revenues to local businesses due traffic stops and survey-lance etc.

In fact I was going back to my car with three loaves of bread in the nearby town of Boscombe when a helicopter came right on top of me asking what I had in the bag. You really couldn&#039;t make this up, they are as I said legionary for failed planning projects. With this in mind it makes you shudder to think they are running the country.

Information courtesy of agpcuk</description>
		<content:encoded><![CDATA[<p>Is this thing a joke of  Osbourne&#8217;s: Austerity plans are here to stay?</p>
<p>Spending cuts are here to stay says Osbourne. Not in Tory Town Bournemouth who want to build a 5 Million Plus Service Center that the public don&#8217;t even want. See the towns Echo Sunday 4th September 2011 for details.</p>
<p>The joke is the town hasn&#8217;t even had a Bus Terminal since it was burnt down in around 1979 instead buses stand pumping out choking diesel fumes and blocking traffic flow.</p>
<p>Yet they are in process of trying to legitimately Land Grab 90 per cent of the Stour Valley Nature Reserve by fencing the area off from the public for the grazing of just TEN Cows in an area a mile and a half long, would you believe? Yet as we all know after 8 years the fenced off land reverts to the council no doubt to sell later to developers so they can misspend more money on wasted projects such as the one and a half million pounds or so they spent on a Surf Reef that doesn’t work.</p>
<p>Tory Town Bournemouth is becoming legendary for failed projects and bad planning such as the Eyesore Imax Cinema nobody wants to go to. Right on the seafront. Not forgetting the Prison Block lookalike BIC center which when used for Political Conferences causes vast amounts of lost revenues to local businesses due traffic stops and survey-lance etc.</p>
<p>In fact I was going back to my car with three loaves of bread in the nearby town of Boscombe when a helicopter came right on top of me asking what I had in the bag. You really couldn&#8217;t make this up, they are as I said legionary for failed planning projects. With this in mind it makes you shudder to think they are running the country.</p>
<p>Information courtesy of agpcuk</p>
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		<title>Comment on High Street posts worst sales for two years by Julian Cassell</title>
		<link>http://www.brite.co.uk/2011/09/05/high-street-posts-worst-sales-for-two-years/comment-page-1/#comment-401</link>
		<dc:creator>Julian Cassell</dc:creator>
		<pubDate>Tue, 06 Sep 2011 10:28:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=27504#comment-401</guid>
		<description>Okay, so there&#039;s a lot of doom and gloom out there, but following the failure of some of the companies in the DIY sector, maybe it is a case that there were simply too many out there?

The DIY trade will always be around, and I for one see this time as a good opportunity for these outlets to streamline their product ranges and get rid of the &#039;rubbish&#039; and concentrate on good value for money - Shelves piled high with cheap, and in my mind, products that may not be entirely fit for purpose may make money but I really think we need to be moving back towards greater quality and less quantity.

Best,

Julian</description>
		<content:encoded><![CDATA[<p>Okay, so there&#8217;s a lot of doom and gloom out there, but following the failure of some of the companies in the DIY sector, maybe it is a case that there were simply too many out there?</p>
<p>The DIY trade will always be around, and I for one see this time as a good opportunity for these outlets to streamline their product ranges and get rid of the &#8216;rubbish&#8217; and concentrate on good value for money &#8211; Shelves piled high with cheap, and in my mind, products that may not be entirely fit for purpose may make money but I really think we need to be moving back towards greater quality and less quantity.</p>
<p>Best,</p>
<p>Julian</p>
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		<title>Comment on Nationwide: House prices down 0.6% in August by Julian Cassell</title>
		<link>http://www.brite.co.uk/2011/09/01/nationwide-house-prices-down-0-6-in-august/comment-page-1/#comment-400</link>
		<dc:creator>Julian Cassell</dc:creator>
		<pubDate>Mon, 05 Sep 2011 11:35:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=27457#comment-400</guid>
		<description>I&#039;m not sure that these tiny percentage hikes in house prices indicates anything substantial. Area is also vital. The best indication is often keeping an eye on price movements in local estate agents.</description>
		<content:encoded><![CDATA[<p>I&#8217;m not sure that these tiny percentage hikes in house prices indicates anything substantial. Area is also vital. The best indication is often keeping an eye on price movements in local estate agents.</p>
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		<title>Comment on UK housing market in “crisis” by Mark Oliver H+H</title>
		<link>http://www.brite.co.uk/2011/08/30/uk-housing-market-in-%e2%80%9ccrisis%e2%80%9d/comment-page-1/#comment-399</link>
		<dc:creator>Mark Oliver H+H</dc:creator>
		<pubDate>Tue, 30 Aug 2011 15:13:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=27437#comment-399</guid>
		<description>Here&#039;s an idea to get house building going and solve the decline in home ownership. Is it time for the Government to seriously consider providing mortgage guarantee insurance, as the Canadian Government do? House building rates will only increase if there is buyer demand, which is currently curtailed by the need for a deposit of 25% or more.  Mortgage repayments are more affordable now than in the past 12 years and are cheaper than renting. But, the average loan to value on new lending in 2011 by state owned Lloyds and RBS is 61.3% and 54.9% respectively meaning deposits of 48.7% and 65.1%.  The Government could provide mortage guarantee insurance to fund this deposit gap so that more buyers can afford to buy which will drive builders to build more to fulfill the demand. As well as the home ownership issue, a shortage of homes is a drag on economic growth as employers with job vacancies cannot fill them because would be employees cannot afford to move to where the jobs are. The cost and risk of the Government providing mortgage insurance is low since, as it effectively controls house prices via the monopoly it has on the supply of permissioned land, it can hedge its exposure. Furthermore, many economists would argue that the collapse in housebuilding over the past three years has already sealed our fate for rapid house price inflation in the next decade, meaning that the likelihood of mortgage guarantee insurance needing to payout in the future is very low. Seems simple to me....
Twitter: @markoliver_</description>
		<content:encoded><![CDATA[<p>Here&#8217;s an idea to get house building going and solve the decline in home ownership. Is it time for the Government to seriously consider providing mortgage guarantee insurance, as the Canadian Government do? House building rates will only increase if there is buyer demand, which is currently curtailed by the need for a deposit of 25% or more.  Mortgage repayments are more affordable now than in the past 12 years and are cheaper than renting. But, the average loan to value on new lending in 2011 by state owned Lloyds and RBS is 61.3% and 54.9% respectively meaning deposits of 48.7% and 65.1%.  The Government could provide mortage guarantee insurance to fund this deposit gap so that more buyers can afford to buy which will drive builders to build more to fulfill the demand. As well as the home ownership issue, a shortage of homes is a drag on economic growth as employers with job vacancies cannot fill them because would be employees cannot afford to move to where the jobs are. The cost and risk of the Government providing mortgage insurance is low since, as it effectively controls house prices via the monopoly it has on the supply of permissioned land, it can hedge its exposure. Furthermore, many economists would argue that the collapse in housebuilding over the past three years has already sealed our fate for rapid house price inflation in the next decade, meaning that the likelihood of mortgage guarantee insurance needing to payout in the future is very low. Seems simple to me&#8230;.<br />
Twitter: @markoliver_</p>
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		<title>Comment on Bank ring-fencing threatens UK economy by Ellen</title>
		<link>http://www.brite.co.uk/2011/08/23/bank-ring-fencing-threatens-uk-economy/comment-page-1/#comment-398</link>
		<dc:creator>Ellen</dc:creator>
		<pubDate>Wed, 24 Aug 2011 08:12:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=27332#comment-398</guid>
		<description>Savers are using banks only as a place to put their money and interest rates are not even going half way to keeping pace with inflation. Their savings should not be used to prop up the banks commercial arm. If the banks are having problems keeping the two apart maybe the return of the credit union for the banking needs of most of the population is more preferable and the banks can run their business like a casino without using the savings of the general population to do so.</description>
		<content:encoded><![CDATA[<p>Savers are using banks only as a place to put their money and interest rates are not even going half way to keeping pace with inflation. Their savings should not be used to prop up the banks commercial arm. If the banks are having problems keeping the two apart maybe the return of the credit union for the banking needs of most of the population is more preferable and the banks can run their business like a casino without using the savings of the general population to do so.</p>
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		<title>Comment on RBS stops some customers from using rival ATMs by observer</title>
		<link>http://www.brite.co.uk/2011/08/17/rbs-stops-some-customers-from-using-rival-atms/comment-page-1/#comment-397</link>
		<dc:creator>observer</dc:creator>
		<pubDate>Wed, 17 Aug 2011 18:39:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=27271#comment-397</guid>
		<description>It&#039;s about time to shut down this BANKRUPT bank.</description>
		<content:encoded><![CDATA[<p>It&#8217;s about time to shut down this BANKRUPT bank.</p>
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		<title>Comment on Ireland lowers VAT rate on number of goods by aidan o driscoll</title>
		<link>http://www.brite.co.uk/2011/07/04/ireland-lowers-vat-rate-on-number-of-goods/comment-page-1/#comment-396</link>
		<dc:creator>aidan o driscoll</dc:creator>
		<pubDate>Tue, 05 Jul 2011 10:35:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=26659#comment-396</guid>
		<description>Hiya,

We have 3 VAT rates in Ireland - 21% 13.5% ( now 9% for some things ) &amp; 0%

The 13.5% is generally on services inc hospitality industry but also for trades and the like ( electricians, plumbers, builders on the work they do ).

The new 9% rate applies ONLY to the hospitality sector as you mentioned. However the 21% rate still remains on everything else.

A controversial &quot;temporary raid&quot; on Irish pension funds is being used to fund this VAT Cut. With the IMF/ECB running the Irish Economy at the moment use of Exchequer funds for such initiatives is not allowed. Any sich initiative must be &quot;revenue neutral&quot;.

Aidan</description>
		<content:encoded><![CDATA[<p>Hiya,</p>
<p>We have 3 VAT rates in Ireland &#8211; 21% 13.5% ( now 9% for some things ) &amp; 0%</p>
<p>The 13.5% is generally on services inc hospitality industry but also for trades and the like ( electricians, plumbers, builders on the work they do ).</p>
<p>The new 9% rate applies ONLY to the hospitality sector as you mentioned. However the 21% rate still remains on everything else.</p>
<p>A controversial &#8220;temporary raid&#8221; on Irish pension funds is being used to fund this VAT Cut. With the IMF/ECB running the Irish Economy at the moment use of Exchequer funds for such initiatives is not allowed. Any sich initiative must be &#8220;revenue neutral&#8221;.</p>
<p>Aidan</p>
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		<title>Comment on Travel chaos looms as Virgin Atlantic pilots vote to strike by Peedoff</title>
		<link>http://www.brite.co.uk/2011/06/21/travel-chaos-looms-as-virgin-atlantic-pilots-vote-to-strike/comment-page-1/#comment-395</link>
		<dc:creator>Peedoff</dc:creator>
		<pubDate>Wed, 22 Jun 2011 04:35:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/?p=26452#comment-395</guid>
		<description>Virgin don&#039;t want to pay the going rate for long haul pilots. Do you think if they told BP they don&#039;t want to pay the going rate for fuel that they&#039;d be flying any aircraft?

As for the comments about overpaid pilots then let them employ average British workers to fly their planes. Uh oh - There&#039;s a flaw in that argument too.

Pay the pilots the going rate for their skills and you won&#039;t have any disruption. If they can find £47 million to pay the fines and costs of their CEO&#039;s price fixing debacle then they can find the few million extra to fund the difference between the sub-inflation offer and the going rate the pilots expect after their salary sacrifices over the last three years.

Not too much to expect but thanks to an HR head who has promised the board that she can break the last unionized group within Virgin we now have the potential for a strike. Aside from the disingenuous utterings from Ridgeway and SRB about everyone else accepting the company offer, they didn&#039;t mention that the &quot;offer&quot; was imposed, not accepted as all the other workgroups are not as united and organized as are the pilots.</description>
		<content:encoded><![CDATA[<p>Virgin don&#8217;t want to pay the going rate for long haul pilots. Do you think if they told BP they don&#8217;t want to pay the going rate for fuel that they&#8217;d be flying any aircraft?</p>
<p>As for the comments about overpaid pilots then let them employ average British workers to fly their planes. Uh oh &#8211; There&#8217;s a flaw in that argument too.</p>
<p>Pay the pilots the going rate for their skills and you won&#8217;t have any disruption. If they can find £47 million to pay the fines and costs of their CEO&#8217;s price fixing debacle then they can find the few million extra to fund the difference between the sub-inflation offer and the going rate the pilots expect after their salary sacrifices over the last three years.</p>
<p>Not too much to expect but thanks to an HR head who has promised the board that she can break the last unionized group within Virgin we now have the potential for a strike. Aside from the disingenuous utterings from Ridgeway and SRB about everyone else accepting the company offer, they didn&#8217;t mention that the &#8220;offer&#8221; was imposed, not accepted as all the other workgroups are not as united and organized as are the pilots.</p>
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		<title>Comment on &#039;Emergency cash&#039; available from NatWest and RBS by christopher middleton</title>
		<link>http://www.brite.co.uk/2007/12/18/emergency-cash-available-from-natwest-and-rbs/comment-page-1/#comment-87</link>
		<dc:creator>christopher middleton</dc:creator>
		<pubDate>Sat, 11 Jun 2011 17:28:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.financemarkets.co.uk/2007/12/18/emergency-cash-available-from-natwest-and-rbs/#comment-87</guid>
		<description>i would like a emergency cash code just in case i loose my debt card anywhere</description>
		<content:encoded><![CDATA[<p>i would like a emergency cash code just in case i loose my debt card anywhere</p>
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