Dao chill out brother, you are very intense and passionate, I didnāt try to make you angry, just a clash of opinions thatās all, no hard feelings, I still like you and respect your passion and knowledge 
Jobloggs ,dear brother, remember We said no sarcasm, can you please stick to the rules, I would like to hear your view on the topic.
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I was actually deadly serious
But my view is that people who just sell stocks means there hands arenāt diamond enough
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Itās just a Nickname, we donāt mean that, but we are definitely not a paper hand.
Iām curious what your opinion on mortgages is. Most people end up buying the asset on 10:1 leverage (if we consider 10% downpayment and 90% loan to be the norm). Should this be banned?
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Some types of P&D are scam and it is illegal
The best way to avoid it is to recognise how they work
I have Starling Bank A/C and I have been using it since 2018. So far so good. It saves me money as well as hassles.
But I do not use it as a main account. I just use it for cash withdrawal in foreign currencies when I am traveling. It is good as the issue a debit card which is link to your account. I just need to top it up when I need a cash withdrawal in foreign currencies.
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I have a couple of starling account. One is for joint expenses and the other I use for petrol.
Seem pretty good, but prefer Monzo in terms of UI etc
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I also have Monzo but the problem with Monzo is the cash limit without triggering the fees.
you can withdraw Ā£200 every 30 days. Or Ā£400 if you have Monzo Plus, and Ā£600 if you have Monzo Premium
Yeah, that definitely is not ideal for fees abroad. Whoād you find best for that?
Iām looking for a card account when I go to vegas next may?
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It is good to have various options.
I have been to LV before, but it was long time ago. At that time, I was using
Santander Zero Debit Card (Santander Zero current account). this account is not available for new customer any longer.
Halifax clarity Card (just be aware the interest)
Both cards work well for purchase and cash withdrawal.
But nowadays you could still use (I believe)
Starling (Debit card)
Halifax clarity credit Card (just be aware the interest)
Santander Zero Credit card (just be aware the interest)
Capital one Credit card (just be aware the interest)
They are using either Master or Visa Exchange rate. But if you are using Creditcard just be aware you will pay interest from the day you withdraw cash. But as soon as you clear the payment within 1-2 weeks that interest is very small.
I donāt think it should be banned, but it needs tighter regulations
mortgages need tighter regulations? 
oh, please do elaborate.
Iām not sure where youāre from, but in my native Ireland, if access to mortgages got any tighter, literally nobody would get one. Maybe itās not as bad where you are though.
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I canāt give you an expert advice but I can tell you what I witnessed few years back .
People wanted to buy a property via mortgage but didnāt have enough for deposit so they took bank loan from another bank to use it as deposit and had a letter saying that the money was a gift from their parents. They also didnāt have enough wages showing on their payslips, but they had a projected earning letter from their employers to show they earn enough.
Mortgage brokers put all this paperwork together and made it possible for banks to lend mortgages. This was happening all the time , in a way it made it possible for low earners to go on the ladders. When I say tight regulations ,I meant proper checks on wages and deposits etc.
The Leader I appreciate your knowledge and passion but that sarcastic emoji is not really necessary, less of the sarcasm please, no hard feelings.
I am not quite sure about this. Unless it is a loan from an unregulated loan shark. All regulated loan are recorded on your credit files. It is automatically recorded by CRAs )Credit Referencing Agency). So the lenders will be able to see what you have taken in the past.
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I donāt know about how it was in Ireland, but this was happening in England , Mortgage Lenders, Brokers, Estate agents and Insurance companies (Offering PPI, MPP,) they were all in this together, it wasnāt illegal ,there were just some grey areas and lack of checks I guess, It was a boom time this was 20 years ago, some people took advantage of it and survived it ,some didnāt and lost their properties and in 2008 the buble was burst and Recession started. Maybe nowadays the checks on paperworks are better.
So whoās the bad guy here? Every adult should be responsible for their decisions. If youāre looking for the loopholes and try to āplayā the establishment ā¦ well, to everyone its own.
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Yes brother, I agree with you , but It was offered and it was there for taking, some took it some didnāt, some managed to survived it ,some didnāt, it was their decision .
As is the decision for some people to abuse different substances, I could just quote you on that āIt was offered and it was there for taking, some took it some didnāt, some managed to survived it ,some didnāt, it was their decisionā.
As in general I donāt believe the binary ābanks are badā statement, I also donāt think the stores for example are bad for selling, letās say, alcohol. It all comes down to being responsible in making mid to long-term decisions.
Blaming the banks or some establishment for personal bad decisions ā¦ well I draw the line here. 
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