IndyRef 7

[ItsAllGoingToBeFine]

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Nothing like some exaggeration and hyperbole.

I didn't mean the city like that sorry I meant Westminster. I have been reading loads today and have finally come round to thinking yes after months of thinking about it. I don't blame them for wanting to divide

I have been reading loads today

Then I think you should be widening your reading sources. And not just the heavily biased links provided by Wings.

"They" don't all want to divide noddy. Latest poll 50:50 essentially - the worst possible!
I am a No but if it goes for yes I'd hope the majority is substantial and not just at 51%.

There could be nasty reverberations for the whole of the UK.

What swung it for you Noddy? I'm just interested to hear what the things are that are turning undecided voters to vote 'Yes'.

I have been reading widely over the last few months mainly broadsheets I admit and the reading today was just what made me make a final decision in my own mind. Definitely not reading with any strong bias and indeed I started as a no. Why do you have to be patronising because you don't like the fact that I think Yes is the way I would vote? There are many equity and investment pieces in the FT and international papers that have brought me to this way of thinking not a quick nose in a few tabloids. I work in property and do have a knowledge of banking etc and I think yes is the way I would vote.

'They' is reference to those who do

Noddy out of interest have you gone back to any of the source data for eg key economic numbers? It's very hard to find unspun articles and many of the figures being banded about are outright lies

Sorry Noddy I'm typing fast and furious here and might come across a bit abrupt .

I'm glad you brought up Property and Equity. I am trying to find out more information about the effect independence will have on house prices in Scotland.

From my own perspective I'm worried my house value will decrease and I'll end up in negative equity.

noddy - I read the FT daily. (I'm a premium subscriber ;) Which particular FT article today swayed you to become a YES? (PS I thought you lived on the S coast in England?)

Noddy Westminster are panicking. The Uk is currently a place for bankers,landlords and people who have or will inherit The average person who works is stuffed. Scotland could do worse than try and run their own show tbh and tailor their fiscal policy to their actual people rather than be run from the city

But didn't Salmond make the point that Scotland would levy a low corporation tax, to stimulate both inward and outward investment?

So you could argue that the average person will be even more stuff in an independent Scotland. I have actually thought about setting myself and DH up as a company to own our own home, as it might be cheaper, but the problem is the mortgage. Now if I was of the already wealthy people in Scotland who do not have a mortgage, I would be sorted.

I've also looked into opening a bank account in England, and probably will do so, before the Scottish Government levy taxes or legislate against moving a certain amount of money out of private Scottish bank accounts.

Even so, if there is a devaluation of residential property, like in Ireland, or state bankruptcy, as in Iceland, it won't offer much protection if I owe a mortgage debt of £150,000 on a house worth £25,000. Did a lot of homes get repossessed in Ireland?

I also admit I'm struggling to see the point in continuing with current stressful job in an independent Scotland. If I'm going to be equalised with someone working part-time in a lower paid, less skilled job, I might as well work part-time doing something nice myself, maybe in a nice little shop or something in the mornings 2 or 3 days a week. Then I could spend the rest of my time doing walking and maybe going to the gym. It all sounds rather more relaxing than my current set up. I do hope you and the rest of working Scotland doesn't mind paying for it - but obviously you have to adapt the changed environment you find yourself in if you happen to go to sleep in one country and wake up in another!

I do live on the south coast I just have a real pro decentralisation bias I suppose and think its for the best but only IMO

I also fancy a little internet blog for myself. Who cares if no-one else reads it. I can type really fast. It all sounds wonderful. Itsallgoingtobefine you were right! No more hard work for me in Utopian Scotland! Whats the point?

Annie I think there are a few huge questions that will impact house prices. The currency question is one of them -moodys have said an iscotland would have a lower rating than rUK -probably at least three levels down. That would impact interest rates and push them up. The other huge issue is how many jobs do move down south-I'm pretty concerned about the impact on some areas that are heavy in, for example, financial services staff. If lots of jobs move they'll need to sell. Combine it with higher interest rates pushing up repossessions and making it hard to afford new mortgages it could potentially be unpleasant. Nothing is certain, very much depends on your expectation of what will happen to the economy

It wasn't one article in the FT today that made me think this way it was just that finally today I stopped to ing and fro ing.

But wouldn't the corporation tax encourage more businesses to Scotland and boost employment?

But, noddy, your posts read as if you are voting.

You might feel different Noddy if you were faced with losing your home, job and splitting up your family. But as far as I can make out, you don't have a vote? Because Scotland doesn't have a south coast. It does have a Solway Coast, but not the same thing!

But wouldn't the corporation tax encourage more businesses to Scotland and boost employment?

Why are corporations less objectionable than landlords and bankers? Corporations exist to make profit.

It's unlikely that rUK would not just match to prevent that happening. Financial services is something like 8% of jobs, more like 17% in eg Edinburgh. That's hard to replace

We're also overweight in public sector employees relative to the UK as a whole. I don't think that would be justifiable or affordable in iscotland. 21% employed in public sector -if it fell to UK average of 18% that would be 78000 jobs

I am not saying they are less objectionable I am just suggesting there could be balance with employment and not the mass job losses some expect. It seems every time Cameron and co speak they give the yes vote power. Osborne is offering 'bribes' according to some at the 11th hour which seems ridiculous as these deals could have been offered sooner surely to avoid all this?

Noddy probably wants Scotland to vote yes as it's more likely to push up property prices in England: all those Scots rushing over the border to preserve their Britishness and freedom of movement guarantee within the EU.

Property prices will certainly go up within commuting distance of Portsmouth, once the next Navy shipping order is placed.

I find it hard to believe this is actually happening. I'm just sick with it all.

I work for the NHS and DH also works in public sector. We live in the Highlands & Islands and the public sector is the main employer. I can see us losing everything.