Frank Hovis

Members
  • Content count

    8,347
  • Joined

  • Last visited

  • Days Won

    56

Reputation Activity

  1. Upvote
    Frank Hovis got a reaction from One percent in Wheels coming off HE bubble   
    It's been happening for several years as @One percent  has flagged.
    Here's Plymouth, which was one of the top three Polys (with Portsmouth and Kingston) but expanded like crazy and has lost a third of its students from a peak in 2010.  That's a massive drop and has to be replicated across the country; I'm surprised that the national media hasn't started totting up the figures.
     
    in 2010, the University of Plymouth had 32,000 students, and by 2015/16 this number had dropped to 20,871
    https://www.plymouthherald.co.uk/news/plymouth-news/falling-student-numbers-shape-future-1146118.amp
  2. Upvote
    Frank Hovis got a reaction from One percent in Wheels coming off HE bubble   
    This year there has been a big awakening about the uselessness of most degrees.  There are three main triggers:
    Vast amount of unconditional offers
    Universities advertising for students particularly Southampton
    Very visible new student blocks of flats
     
    I've heard several people saying "It's just a con"; any residual jealousy from people without degrees has evaporated and the common view is becoming that these poor mugs are being massively ripped off for a worthless qualification.
  3. Upvote
    Frank Hovis reacted to snaga in Everyday Feminism - lunatic SJWness   
    God bless gamers ...
    https://www.redstate.com/brandon_morse/2018/08/13/sjws-flip-doom-eternal-mocks-leftist-political-correctness-immigration/
  4. Upvote
    Frank Hovis reacted to snaga in Everyday Feminism - lunatic SJWness   
    My eldest just bought some Ghostbuster toys from the original movie with his birthday money, even a 10 year old knows the reboot was shit.
  5. Upvote
    Frank Hovis reacted to Bedrag Justesen in Wheels coming off HE bubble   
    Strangely it's not unusual for Americans to leave their hometown.
    In Wales people leave if they can, maybe one day to return, but hopefully not. We live in the past. Many of us have lived in the same town for their entire life. When work dries up they sign on the dole. Americans pack everything in a U-Haul and move to where the work is. Abandoning towns and cities.
    Quite a few Americans believe The Gettysburg Address was where Lincoln lived.  
    That's not a criticism, it's just the way they are. They just don't seem to be very interested in their history. It's all about where are you from, where you are now, and where are you heading ?
    Always on the move.
     
  6. Upvote
    Frank Hovis reacted to Libspero in Who is America   
    Yes,   they probably should have been more guarded.  But I suspect they are just humouring a crazy guy and going along with him so as not to be rude or hurt his feelings.  Then bang..  the whole thing is televised and it makes them look like they really believe it.  But in a career threatening way because the whole thing is seen out of context.   I guess to me it just seems more like bullying than comedy.  I could just be getting boring in my old age.
  7. Upvote
    Frank Hovis reacted to Hopeful in And you thought GDPR was bad   
    We had to visit elderly parents this week and being away from home we ended up eating out 4 nights in a row at a cost of £120. First tme we've eaten out in over a  year and it is a fair bit more than we'd spend on food in a month. It fekking hurt
  8. Upvote
    Frank Hovis reacted to Inoperational Bumblebee in And you thought GDPR was bad   
    At the risk of sounding like a deluded fanboy in this market, this is why cryptos will come to the fore.
    Given their previous successes with large data projects, I suspect only the law-abiding will suffer.
  9. Upvote
    Frank Hovis got a reaction from whitevanman in Bloody Metric   
    Metric for scientific.
    Imperial for food, drink, fuel, and people.
  10. Upvote
    Frank Hovis got a reaction from DeepLurker in And you thought GDPR was bad   
    Which will only add to the reasons why so few tradesmen these days take on apprentices to expand their business; preferring to keep it below the VAT threshold and not having to deal with any of the HR stuff or pension auto enrollment.
    There's a whole generation of tradesmen not being trained because of these endless rules and regulations.
  11. Upvote
    Frank Hovis got a reaction from whitevanman in Bloody Metric   
    Metric for scientific.
    Imperial for food, drink, fuel, and people.
  12. Upvote
    Frank Hovis got a reaction from Hopeful in And you thought GDPR was bad   
    If Phillip Hammond represents the future vision of the Conservative party then it clearly wants to snuff out the self-employed small business people rather than support them for being the underlying wealth creators as it always used to do.
    So he is trying to get rid of:
    Small private firms Cash And replace them respectively with:
    Big firms employing the previously independent but now on low wages (think local sportswear shop replaced by Sports Direct) Fully tracked, taxed, and levied transactions (as with Tesco temps last Christamas only being able to receive their wages on a "Tuxedo" card which then levied a charge when they used it)  
    It stinks of big government wishing to micromanage the population.
  13. Upvote
    Frank Hovis got a reaction from DeepLurker in And you thought GDPR was bad   
    Which will only add to the reasons why so few tradesmen these days take on apprentices to expand their business; preferring to keep it below the VAT threshold and not having to deal with any of the HR stuff or pension auto enrollment.
    There's a whole generation of tradesmen not being trained because of these endless rules and regulations.
  14. Upvote
    Frank Hovis got a reaction from whitevanman in Bloody Metric   
    Metric for scientific.
    Imperial for food, drink, fuel, and people.
  15. Upvote
    Frank Hovis reacted to Kurt Barlow in Pensions, SIPP, Tax Avoidance   
    Frank - have virtual  on me for the SIPPS advice.  
    Got my first 1200 back through my SIPP which I reinvested. Will get the other 1200 after I put my tax return in. 
    Am i right in thinking that thanks to Gordon the Cunt dividends in pensions get taxed at 10% whereas dividends in ISA's are tax free? If so I reckon I should orientate my ISA purchases towards large divi earners and pension shares towards growth. 
  16. Upvote
    Frank Hovis got a reaction from null; in Deluded Old Scrapper Birds On Dating Sites   
    The main difference, and I think the government realised its mistake with the spare room allowance / bedroom tax, is that the spare room allowance had a big negative effect upon people whose circumstances hadn't changed.  One day you had housing benefit for a three bed house, had had for the last twenty years, and expected that to continue indefinitely; the next you were having to move into a one bed flat because that's all that would be funded.  I see a parallel in the WASPI protests because they were also under the impression that things would continue as they were (in their case - state retrirement age) but didn't find out that it had changed until they had already enacted their plans based upon it such as early retirement.
    In both cases the change, IMHO anyway, was entirely fair but its method of application seemed designed to cause the maximum amount of distress.
    The capping of child benefit to the first two children only was brought in in a far better way in that it only had an effect if you changed your circumstances - viz had an additional child when you already had two or more children - after a pre-announced future date.  So anybody choosing to have an additional child would know that they would not receive child benefit for them and could so make an informed decision as to whether they could afford an additional child.
    IMO they are all three entirely fair and rational changes but only the last was rolled out in a fair and rational manner.
  17. Upvote
    Frank Hovis got a reaction from DeepLurker in And you thought GDPR was bad   
    Which will only add to the reasons why so few tradesmen these days take on apprentices to expand their business; preferring to keep it below the VAT threshold and not having to deal with any of the HR stuff or pension auto enrollment.
    There's a whole generation of tradesmen not being trained because of these endless rules and regulations.
  18. Upvote
    Frank Hovis reacted to One percent in All welcome. Drug trafficker, people trafficker, drugs lord, no matter, welcom   
    https://www.bbc.co.uk/news/uk-england-beds-bucks-herts-45200429
    The suspected head of a Romanian organised crime network is facing extradition after he was arrested in Hertfordshire. 
    Florin Ghinea, 43, listed as one of Europol's most wanted men, was detained as he left a gym in Watford on Tuesday. 
    Ghinea, nicknamed "Ghenosu", is wanted by the Romanian authorities on human trafficking, conspiracy to murder, blackmail and money laundering charges. 
    He will appear in court for an extradition hearing on 25 September.
    Ghinea was arrested on Tuesday by officers from the National Crime Agency's Armed Operations Unit (NCA) in an operation supported by Hertfordshire Police.
    He is accused of orchestrating a trafficking ring which saw Romanian women sent to Ireland, Finland and Dubai for the purposes of sexual exploitation, as well as conspiring to kill a criminal rival.
     
    wtf are we doing allowing criminals of this stature into the country?   Ffs. 
  19. Upvote
    Frank Hovis reacted to shindigger in Turkey   
    Islamic holiday spots might as well be on another planet as far im concerned.
     
     
  20. Upvote
    Frank Hovis reacted to Van Lady in Bloody Metric   
    Aye.
    In my household there’s no way that six folk would be allowed just under a 1lb of ham each in one sitting!
  21. Upvote
    Frank Hovis got a reaction from whitevanman in Bloody Metric   
    Metric for scientific.
    Imperial for food, drink, fuel, and people.
  22. Upvote
    Frank Hovis got a reaction from whitevanman in Bloody Metric   
    Metric for scientific.
    Imperial for food, drink, fuel, and people.
  23. Upvote
    Frank Hovis got a reaction from the gardener in Tax credits and benefits paid to EU nationals   
    Spot on.  Government lies by omission so people go away thinking "Well, they actually are of benefit despite what that UKIP told us".
  24. Upvote
    Frank Hovis got a reaction from One percent in Bloody Metric   
    Trick question.
     
    Nobody would weigh cooked ham; they would just divide it equally by eye.
  25. Upvote
    Frank Hovis got a reaction from One percent in Bloody Metric   
    Trick question.
     
    Nobody would weigh cooked ham; they would just divide it equally by eye.