Is There Space On The Overground For Large Art?
In November 2013, I had a letter published in The Times entitled Underground Art.
As I had a bit of time to waste, I checked out some of the stations near where I live, as to their suitability of placing a large sculpture on the platforms.
Dalston Junction, Highbury and Islington and Caledonian Road and Barnsbury stations have space for the right piece of large art, but the space at Canonbury is such, that you could position a small tank engine there, if the platform was strong enough.
Other stations might not be suitable, as most do not have the large island platforms of these four stations.
I have no idea how much suitable sculpture would be available. I have read or viewed reports that a lot of art is now in store, because of the danger of theft. So why shouldn’t it be safely on display on stations?
Obviously, it would need to be installed using a maintenance train. But that in itself is a big deterrence against scrap metal thieves, as they’d probably have to get the art out that way.
An Unpleasant Experience
I took this picture at Highbury and Islington station from the second footbridge, that links the platforms to the Emergency Exit.
An Approaching Class 66
I have talked about the noise of Class 66 locomotives before in this post, where I said this.
It is important that rail locomotives are improved, as the current mainstay, the Class 66 is not liked by those who live on busy freight routes, due to its noise. I’ve also talked to drivers, who feel they have other problems too.
I could have been more critical. The Class 66 to the left of the picture was pulling a heavy freight train and passed under me, whilst working hard.
The noise was bad, but not as bad as the stink of the exhaust of the massive diesel engine.
I remarked on this to a member of the station staff, who was tidying up underneath the bridge and he said he hated them.
As there are now alternatives, surely pure diesel engines like the Class 66, that don’t meet the latest environmental regulations, should at lest be banned from operating in heavily-populated built-up areas.
In fact, as this line is electrified, what is a Class 66 doing on this line anyway?
You Are Absolutely Bonkers
This was the wonderful accolade that was given to Peter Duncan and his partner on Tumble.
He is putting us all to shame, doing what he does on the show, only a few years younger than I am!
A Poor Article On Saving
The Money section in The Times has an article entitled, Safe Havens Are Offering A Poor Return
It contains this paragraph.
Why choose a two-year fixed-rate Isa offering a paltry two per cent return when you could be looking at far more for a stocks and shares Isa?
It then says that cash is less volatile.
But the article doesn’t mention the guaranteed investment I use to get over five percent before tax; peer-to-peer lending with Zopa.
Remember too, with peer-to-peer lending, you are the middle-man, so you only pay commission to yourself!
But then if Francesca Steele, who wrote the article, had the experience of peer-to-peer lending that I have, she’d probably have written a totally different piece entirely.
What Effect Would A Yes Vote In The Scottish Referendum Have On Peer-to-Peer Lending?
I’m prompted to ask this question, as there is a feature in the Times Money section today about the implications of the Scottish Referendum on personal finance.
Searching the Internet for “Zopa Scottish Referendum” there is this discussion in Zopa’s forum.
I’m using Zopa as an example, as it’s the peer-to-peer lender, that I know best.
There is nothing really of importance said and most participants don’t seem bothered.
I see a few small problems, but nothing that major for myself, as I suspect only a couple of percent of my money is loaned to those North of the border.
Scotland Bans Peer-to-Peer Lending
An independent Scottish government could decide to ban peer-to-peer lending (P2P) to protect Scottish banks. After all P2P lending is taking a sizeable and increasing part of the lending market.
This might mean that Scottish loans came into default. But I suspect that under International financial law, the loans would have to be repaid.
The main effect would be in the ability to make new loans to Scottish borrowers and accept money from Scottish savers. But that would only effect Scottish voters and businesses.
Scotland Makes Debt Recovery Difficult
Scottish law is already different to English and I’ve not heard of any P2P lenders having any problems collecting debts.
On the other hand, there are some advantages to having your money in a P2P lender like Zopa.
- Zopa has a balanced portfolio of loans all over the four countries of the UK.
- Zopa doesn’t invest money in investments that would be effected by the break-up of the UK.
- Your money is guaranteed, but this guarantee is not dependent on government favour.
- For Scottish savers, with all the uncertainty of the referendum, it might a reliable P2P Lender like Zopa, might be a safe port in a storm.
A break-up of the UK might not be plain sailing for P2P investors, but I would be very surprised if there were serious problems.
The Anonymous Widower 