Phil McCracken

er, but that is exactly the point Stuart is making...

Gordon brown set up the fsa when he was chancellor

should also point out that a sipp is a pension as well and will also be subject to the pension changes in april indeed, most sipp customers are likely to have wealth that allows them to take flexible drawdown just now.. Ie, they can already cash it all in and there has never been a limit on cashing in isas

those pension pots don't include defined benefit schemes in addition, many folk have multiple pots with different companies for example, i have 5 different pots (plus am a deferred member of a defined benefit scheme) 2 of these pots are worth less than £3k each, thus bringing down the average.

none of those things apply to me (apart from making a c**t of my job - which i do on a regular basis)... But this tax change will benefit me and anyone else with money purchase pension benefits.the bankers you mention will likely be on defined benefit schemed so the change wont affect them and i believe there is an upper limit of 1.25 million? Again, the kind of people you are talking about will have pension money in excess of that...

You appear unable to grasp the difference between England and the UK...

Indeed. Its an utter disgrace that the government should try and provide incentives for people to work hard and save money. Much better to encourage them to rely on the state...

My mother-in-law won't be happy with this. She might end up having to either downgrade her annual holiday from Turkey to Salou or possibly give up her atumn holiday... Either that or she won't be able to buy the kids the latest ipads, sony playstations, etc at Christmas. Its a tough life being poor in the UK...

Who said they were?

So, despite knowing nothing about the buyers or whetherthere are actually any buyers, that their plan is to cut wages whilst shull thinks the plan is to inflate salaries? Maybe the plan is neither? If someone has £2 million to invest, do you seriously believe that the best way to make money would be to buy a football club then start making cut backs and hope that you can squeeze some profit out of it whilst retaining a place in the SPL despite the cut backs?

you cant help respondingits what keeps you going did you ever manage to figure out what type of pension you have?

you are saying that you are an ape? not sure I would agree in sure an ape would have more intelligence than you hsbc

Don't be so harsh on yourself.

I see that Fred Goodwin had his knighthood stripped today. Let's remember that back in 2007 that Alex Salmond sent a letter to Goodwin at the time of RBS's purchase of ABN AMRO saying “Yours for Scotland”, “would like to offer any assistance my office can provide”. John Swinney, said in a separate letter at the time that the deal was “an enormous achievement for RBS” that helped make Scotland seem “an attractive place to do business”. And to think that these clowns want to run an independent Scotland. To think that these fools blame England for all our ills...

^^^^^ verge of tears

Good irony there.

Totally agree Stuart.

What a jolly HSBC jape!

Are high wages and unsustainable salaries the plan of the new owners? IOB Saint has the new owners down for cut backs and lower salaries (despite pouring money into the club)! Some folk have vivid imaginations!

No surprise to see ned happy clapping yet another defeat

^^^^^^ can the mods do something about this poster? I thought this forum had a policy of zero tolerance against abuse of this nature?

If someone were to 'pour money in to' the club, surely that would mean a higher player budget, more staff, etc? If you are suggesting that they would want to take money out of the club, then why pour money into it in the first place? Leaving that aside, I would imagine that there are far easier ways for a someone to make money from a circa £2m investment than buying a Scottish football club and then running it down.

i hear this talk about so many folk joining the snp as if it means something the yes campaign was more visible, it made more noise and it has loads of activists but the silent majority voted no so get used to it!

bearing in mind their xenophobic similarities, maybe ukip & the snp could hold a joint conference next year?

FFS. How many people does Stuart have wound up into a bitter rage!