Independence SE Poll

[tut]

No way, but they do have far better football teams.

Celtic
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Any other team that can actually kick a ball.

tut

[tut]

Twould be interesting to see a Mori pole asking "are you going to vote on the day?"

tut

[neil]

You mean like this one? http://www.ipsos-mori.com/contactus/off ... ovote.aspx
Predicting an 80% turnout

[GBOBM]

My issue is that everything said by both sides is very sensationalist. Everything is made into a huge deal when in actual fact all it needs is a “That’ll be tough and will be one of the priorities to figure out” or “We’ll try as status quo and adapt to suit once we have a clearer picture”

I think one thing that is positive about the whole debate and vote is that now I have a much better understanding of key things that I was blissfully unaware of before. How money is spent, where funds come from, the fact that NHS Scotland has always been separate and run separate (as have wales, England, Ire etc.)
Even if there’s been a lot of misinformation out there, at least it’s made me bother to try and find out.

[David]

You mean like this one? http://www.ipsos-mori.com/contactus/off ... ovote.aspx
Predicting an 80% turnout

Interesting that the +55 and men take the lead. I guess maturity, and perhaps wisdom, is telling us how important this decision will be!

I will be interested to see how different the polls are from the actual result. IMHO I think the visibility of the different demographic groups and personality types to the pollsters is likely to skew the results more than might be the case in a general election.

[Corranga]

Maybe he's in negative equity like a lot of people circa 30 that I speak to (never discussed in the media that I've noted).

That's well observed, the media has a SE (South East - no Scottish Elises) bias and they are having a housing boom. Thus they know no-one with negative equity....

Not quite woody, but your theory is sound.

I have no loans, a bit of credit card debt, but nothing that couldn't be cleared in a couple of months, and bits of 2 properties.
1 is an equity released property with an interest only mortgage on it.
The 2nd is my main house which I bought a couple of years back with a large 30+ year mortgage.
It was last valued for a mortgage change (following 2 years fixed) at 12% more than we paid.

Now, the mortgage is large and long, and independence comes along.

What happens to the Bank interest rate if we split?

It has been sitting at 0.5% for years now, good for mortgages and inflation, but I suppose Scotland would be able to set any rate that it wanted to.

tut

This is one interesting point that not only effects my mortgage, but also the housing market. It's very easy to see how my house could become worth less, leaving me in negative equity.
Financially, things are always more likely to get worse before they get better. With the sheer unknown that is independence, I can only presume that my house would be worth less, leaving me in negative equity, and unable to afford to move.

Well, that and when did "get job elsewhere" become something that just happens, and doesn't involve potentially months of being unemployed and selling everything you've worked for etc. for food

[tut]

"In line with all our political polling, we ask respondents to tell us who likely they are to vote in......"

They should try proof reading first.

tut

[flyingscot68]

I had the craziest conversation with a NO voter on Saturday night.

His reason for voting NO? - We should become a republic and get rid of the monarchy.

OK I said, that's not on the cards now but if we were independent then maybe someday that'll happen, makes no odds to my opinion right now.
So I asked him over and over again to tell me why keeping the queen is enough to make him vote NO, - no answers other than 'they (the royal family) cost us money.

I pointed out to him that we already have the royals and that they are funded out some of our taxes, and that if he votes NO then that is a vote to keep the royals. Voting YES would surely be a more appropriate route for a staunch anti-royalist would it not?

But no, he's still voting NO and that is the only reason why. MAD

[campbell]

What happens to the Bank interest rate if we split?

It has been sitting at 0.5% for years now, good for mortgages and inflation, but I suppose Scotland would be able to set any rate that it wanted to.

tut

I expect a steady rise, faster than BoE.

I also expect my building society, HQ'd in England, to honour my fixed rate deal for its full term. Hopefully that gives me long enough to work out how to fund a new deal (albeit more expensive) when that one terminates...

[flyingscot68]

What happens to the Bank interest rate if we split?

It has been sitting at 0.5% for years now, good for mortgages and inflation, but I suppose Scotland would be able to set any rate that it wanted to.

tut

I expect a steady rise, faster than BoE.

Speculation.


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[tut]

As is a lot of it......

tut

[neil]

What happens to the Bank interest rate if we split?

It has been sitting at 0.5% for years now, good for mortgages and inflation, but I suppose Scotland would be able to set any rate that it wanted to.

tut

I expect a steady rise, faster than BoE.

I also expect my building society, HQ'd in England, to honour my fixed rate deal for its full term. Hopefully that gives me long enough to work out how to fund a new deal (albeit more expensive) when that one terminates...

Unless I'm mistaken, if Scotland continued to use the pound interest rates would be set by the Bank of England as they are now, so if Scottish rates rose then English rates would do the same. The only thing that would increase north of the border is the rates paid for government borrowing if there wasn't a currency union.
/Waits to be corrected....

[flyingscot68]

What happens to the Bank interest rate if we split?

It has been sitting at 0.5% for years now, good for mortgages and inflation, but I suppose Scotland would be able to set any rate that it wanted to.

tut

I expect a steady rise, faster than BoE.

I also expect my building society, HQ'd in England, to honour my fixed rate deal for its full term. Hopefully that gives me long enough to work out how to fund a new deal (albeit more expensive) when that one terminates...

Unless I'm mistaken, if Scotland continued to use the pound interest rates would be set by the Bank of England as they are now, so if Scottish rates rose then English rates would do the same. The only thing that would increase north of the border is the rates paid for government borrowing if there wasn't a currency union.
/Waits to be corrected....

Do all the countries that use the euro share the same interest rate then?

As for the government borrowing rates going up, again that is speculation, there is no firm answer.



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[thinfourth]

As for the government borrowing rates going up, again that is speculation, there is no firm answer.

Strange how everything bad is met with scaremongering or speculation

How everything good no matter how unlikely is 100% FACT


As to borrowing going up in the quite likely event of no currency union and his eckness defaulting on our debts it certainly ain't going down now is it.

And why no currency union?

It means the the remaining UK is liable for our screw-ups

And if you listening to the guess campaign we will have massive increases in spending, tax cuts and reduced borrowing

I failed Higher maths but even i can work out that ain't going to work


As to cross border trade i am sure there is english companies just comping at the bit to take up the slack

[flyingscot68]

As for the government borrowing rates going up, again that is speculation, there is no firm answer.

Strange how everything bad is met with scaremongering or speculation

How everything good no matter how unlikely is 100% FACT


As to borrowing going up in the quite likely event of no currency union and his eckness defaulting on our debts it certainly ain't going down now is it.

And why no currency union?

It means the the remaining UK is liable for our screw-ups

And if you listening to the guess campaign we will have massive increases in spending, tax cuts and reduced borrowing

I failed Higher maths but even i can work out that ain't going to work


As to cross border trade i am sure there is english companies just comping at the bit to take up the slack

The only fact is there are no facts at all. Everything is speculation/guesses. Some of them even educated but still guess work.


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