If 'The City' does well the country does well?

Was that Rich Dad Poor Dad? I think everyone should read that book in their late teens or early twenties as it will likely influence their approach to working and to wealth.

Yeah that was the one initially, then similar advice has been echoed elsewhere as well. Generally if you read a bunch of books you start to see the guys at top sort of giving similar advice but just different wording etc and all have a very similar outlook at attitude to life.

Problem is.... most people don't even pick up a book.

Books are literally worth millions if you think about it. You pay 9 pounds for someone's lessons it took them a LIFETIME to learn. So much value and wisdom out there but people would rather read harry potter and circle jerk. I've mostly replaced TV with reading aside a bit here and there like game of thrones :D
 
Yeah that was the one initially, then similar advice has been echoed elsewhere as well. Generally if you read a bunch of books you start to see the guys at top sort of giving similar advice but just different wording etc and all have a very similar outlook at attitude to life.

Problem is.... most people don't even pick up a book.

Books are literally worth millions if you think about it. You pay 9 pounds for someone's lessons it took them a LIFETIME to learn. So much value and wisdom out there but people would rather read harry potter and circle jerk. I've mostly replaced TV with reading aside a bit here and there like game of thrones :D

I totally agree. I wish I'd read that book earlier. I knew of it previously but dismissed it as one of those typical self help style books. After I read it I started reading biographies and other works by successful people and it really does show a stark difference in the mindset of successful people.

By the time I'd read it I already had a house, mortgage, kids and was in the rat race unfortunately.
 
Rich dad Poor dad, just sounds like a rent seeking strategy to me. I'm not sure that is going to work for many people now, not if your coming from the bottom at least.
 
In simple terms, it trickles down to other millionaires who don't pay all their taxes on it, then the Govt. gets really angry at them for being very, very naughty so takes it out on the poor people. It seems to be a very good system as no-one has really done anything about stopping it up to now.
:D - amusing yet accurate.
 
I dont think many will argue that getting a bonus for meeting your targets is unjustifiable its only when, at least to me, people got their bonus even when they fail is what really IRKS people.

Back to the OPs question, yes i agree to some extent if those city creamers are skimming their fat the hope is there should be a little left over for the rest of the country to have a fight and work over.
 
Just because the organisation itself made a lost doesn't mean that individuals within it didn't meet their targets and thus deserve a bonus.

Welcome to the real world then.

Our local business unit had our best year ever last year, but globally the company didn't perform quite so well.

We have many excellent employees, arguably performing well beyond expectations and delivering results beyond our local targets. But due to external factors, bonuses and pay increases have been frozen.

This isn't abnormal - businesses all around the world have to take tough decisions.

The rewards for individuals that meet targets are needed in order to retain those people that are helping RBS in the best way they can. Without them, RBS would have likely made an even bigger loss or gone under completely due to a lack of staff. People arn't going to stick around otherwise.

Has our local unit suddenly lost all our 'top performers', that did so well last year? No.

Now you could argue that banking is different and that rival banks do pay these large bonuses and so key staff would leave and go elsewhere without them.

But do you not see the problem?

They only pay these huge bonuses because they 'have' to. Why do they 'have' to? Because the all the other banks do? Why do the other banks do it? Because all the other banks do?....

Banks haven't been allowed to fail in the same way as other businesses do.

And why are people annoyed? Because banks that have been saved by the tax payer are now back in the same old self-perpetuating loop of paying the going wage, because they have to, because everyone else does. And they do it, because....

If banks were allowed to fail like other businesses, then there wouldn't be this driving force for 'undeserved' (overinflated) bonuses. But then if the banks had failed, everyone would probably be worse off, so I guess we should all just be really happy that someone is making money out of the whole situation :rolleyes:
 
Another issue, that many seem to forget when they mindlessly blame the banks for the situation in this country….is any blame on millions of people that over the last 2 decades have lived in a culture “must have everything now” and “debt culture”…..borrowing far more money than they could possible afford to pay back with credit cards, loans etc, they then declare themselves bankrupt or unable to pay back the mounting cost of living and paying back their huge debts and the banks have to foot the bill, wiping off their debts.

Now when you have thousands or even millions of people doing this, you can imagine the affect this has on banks and the economy as a whole.

Easy to blame the successful people in top financial jobs, when a HUGE part of the blame lays on the shoulders of a lot of people spending way beyond their means and the gravy train finally came to an end.

Banks do hold a certain degree of blame, but they certainly aren’t the only ones in all this.
 
Rich dad Poor dad, just sounds like a rent seeking strategy to me. I'm not sure that is going to work for many people now, not if your coming from the bottom at least.

That book is biased towards property but it, like many other books, shows the difference in thinking between successful and less successful people. It also prompts you to think about making a business scalable and tax efficient.

E.g.
Poorer person: I am poor because I have a wife, kids and mortgage.
Richer person: I need to find a way to be rich because I have a wife, kids and mortgage.

Poorer person: Goes to work, pays tax, spends what's left.
Richer person: owns a company that does work, pays the owner, then posts tax on the remainder.

Poorer person: My house is my biggest asset.
Richer person: my house might be my biggest liability.

It also highlights that you have to start early.

Over simplistic view of course but the point about such books is to get you thinking a different way.
 
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I've worked in financial services for over a decade. Personally, I'm quite fed up of everything in financial services being conveniently labelled as city bankers and fat cats. There are plenty of organisations and employees in financial services that are completely detached from traders and speculators.

The UK, including London, has some fantastic financial firms. Don't demonise them because their industry is money. The equivalent would be supermarkets and horsemeat, and suggesting that all the non-meat / food products sold by those retailers are suddenly tainted as a result.

Have a go at 'bankers' if you wish. Don't tar 'the City' and all firms that work within financial services with the same brush though.

Sums it up for me. There are a lot of us in financial services trying to do some good.

The amount of unadulterated derp being spouted by people who seem to get their opinions via osmosis from a red top rag is depressing.
 
nice little factoid:

UK Financial sector contributes ~ 9.4% to GDP.

UK Manufacturing sector contributes ~ 11.6% to GDP.

See, I always get a little confused around these stats as the methodology never appears to be quite transparent or is based purely on tax receipts, which is pretty meaningless as tax revenue isn't GDP.

A quick Google suggests financial services makes up 8.9% of UK GDP due to the tax receipts of the sector, making the article little more than a waste of bandwidth.

To get a true measure of a sector's contribution to GDP, surely it should take into account the level of employment within that sector, the level of pay within that sector and then the level of expenditure amongst those employees?

Just seems fishy to me than in an economy that derives 78% of its GDP from services, financial services contributes a paltry 9%. I'm near certain the rest isn't made up by hairdressers and travel agents.
 
services?

This is the most recent one I could find (there may well be one for more recent but I didnt have time to search around for it)

http://www.ons.gov.uk/ons/rel/ctu/a...arter-4-2011/chapter-19-national-accounts.xls

Sheet 19.4 has all the relevant info you need - its quite hard to define just "services" but if you wanted to include absolutely every service industry, including health, education, communication, publishing etc then its around 77-78% of GDP (that includes the 9% finance btw)

Construction is ~7% and agriculture a mighty 0.6%!

edit: that link is for 2010 and so finance on that is actually a touch lower, at around 8.8%
 
This is the most recent one I could find (there may well be one for more recent but I didnt have time to search around for it)

http://www.ons.gov.uk/ons/rel/ctu/a...arter-4-2011/chapter-19-national-accounts.xls

Sheet 19.4 has all the relevant info you need - its quite hard to define just "services" but if you wanted to include absolutely every service industry, including health, education, communication, publishing etc then its around 77-78% of GDP (that includes the 9% finance btw)

Construction is ~7% and agriculture a mighty 0.6%!

edit: that link is for 2010 and so finance on that is actually a touch lower, at around 8.8%

Thanks, exactly.
 
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