User Tag List

Page 10 of 14 FirstFirst ... 89101112 ... LastLast
Results 451 to 500 of 659

Thread: Finances

  1. #451
    Senior Member Pepe's Avatar
    Join Date
    Sep 2015
    Posts
    11,320
    Mentioned
    54 Post(s)
    Tagged
    0 Thread(s)
    Also, be aware that if you get a lease they will probably require you to have the most expensive insurance available and will also need you to have them do all of the work on the car themselves. These are things that you might do anyway, but worth considering. Also, mileage limits. Not sure how much you drive, but my former neighbour was leasing a car and she had to rent a car every time she traveled to Chicago to visit her family to not go over her mileage limit.

  2. #452
    Senior Member randomlegend's Avatar
    Join Date
    Sep 2015
    Posts
    11,310
    Mentioned
    49 Post(s)
    Tagged
    0 Thread(s)
    From what I've seen you can just set your own mileage limit. It slightly increased the monthly payment having a higher one but not dramatically.

    I'll have to look a bit more into it I think.

  3. #453
    ram it up your shitpipe Giggles's Avatar
    Join Date
    Sep 2015
    Location
    Kildare
    Posts
    30,456
    Mentioned
    138 Post(s)
    Tagged
    0 Thread(s)
    Just hold off a few weeks and buy a Bentley with Q Currency.

  4. #454
    Senior Member randomlegend's Avatar
    Join Date
    Sep 2015
    Posts
    11,310
    Mentioned
    49 Post(s)
    Tagged
    0 Thread(s)
    I can't believe I didn't think of that myself.

  5. #455
    Senior Member Boydy's Avatar
    Join Date
    Sep 2015
    Posts
    12,592
    Mentioned
    78 Post(s)
    Tagged
    0 Thread(s)
    Pretty sure you can get your insurance from whoever you like and you probably should get a registered dealership to do any work on your car anyway. Too many cowboys out there.

  6. #456
    ram it up your shitpipe Giggles's Avatar
    Join Date
    Sep 2015
    Location
    Kildare
    Posts
    30,456
    Mentioned
    138 Post(s)
    Tagged
    0 Thread(s)
    Dealerships are the biggest cowboys of the lot.

  7. #457
    Isn't he banned? Baz's Avatar
    Join Date
    Aug 2015
    Posts
    15,017
    Mentioned
    199 Post(s)
    Tagged
    0 Thread(s)

    Question

    Had a magic money man (my parents’ words) round earlier to discuss my finances. He was helpful but very vague.

    I have a 5% savings account that is about to mature and it has £3000 in. When it matured last year it got put into another account with 1.1% interest. There is £671.36 left in it. This £3000 will be dumped into there (by the bank) on 28th jan and I’ll have th option to open a new 5% internet account.

    I have two options:
    Open another 5% account with £0 to start and then put £250 every month. This is the maximum you can pay in per month. Also open a 1.5% account (the money man suggested one called Marcus?) and put my £3671.36 in it. At the end of the 12 months, move the newly accrued £3000 over (+ any interest) from the 5% account again and rinse and repeat until Nationwide stop offering me this 5%/£250 limit account.

    Or option two is to open the 1.5% Marcus account with my £3671.36 and pay £250 a month into there.

    Which will result in the most money?

    Appreciate any help. I know it’s small numbers to some but this is all my money so I wanna treat it well.
    I'm a twit

  8. #458
    DEATH TO THE WEIRD Raoul Duke's Avatar
    Join Date
    Sep 2015
    Location
    Haarlem
    Posts
    6,802
    Mentioned
    23 Post(s)
    Tagged
    0 Thread(s)
    Sounds like you need a spreadsheet, Barry.

    On a separate, personal, topic: anyone know much about https://transferwise.com/gb/borderless ? I want to move some money around so that I don't get shafted (so hard) when the country turns to a flaming hellscape when Brexit hits (I am really late to this but am trying to minimise damage...)

  9. #459
    Senior Member Spikey M's Avatar
    Join Date
    Mar 2016
    Posts
    22,467
    Mentioned
    35 Post(s)
    Tagged
    0 Thread(s)
    Pretty sure @Kiko mentioned it the other day.

  10. #460
    Living Legend! TG09's Avatar
    Join Date
    Sep 2015
    Location
    Wellington, NZ
    Posts
    403
    Mentioned
    9 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Raoul Duke View Post
    Sounds like you need a spreadsheet, Barry.

    On a separate, personal, topic: anyone know much about https://transferwise.com/gb/borderless ? I want to move some money around so that I don't get shafted (so hard) when the country turns to a flaming hellscape when Brexit hits (I am really late to this but am trying to minimise damage...)
    Send me your money here, i'm in New Zealand it will be safe with me.

  11. #461
    Isn't he banned? Baz's Avatar
    Join Date
    Aug 2015
    Posts
    15,017
    Mentioned
    199 Post(s)
    Tagged
    0 Thread(s)
    First one gives me £6795.62 and second one gives me £6747.00, according to a random online calculator.

    5% one it is!
    I'm a twit

  12. #462
    DEATH TO THE WEIRD Raoul Duke's Avatar
    Join Date
    Sep 2015
    Location
    Haarlem
    Posts
    6,802
    Mentioned
    23 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by TG09 View Post
    Send me your money here, i'm in New Zealand it will be safe with me.
    You will just spend it on sheep and Hobbit shit. I know what goes on there.

  13. #463
    Living Legend! TG09's Avatar
    Join Date
    Sep 2015
    Location
    Wellington, NZ
    Posts
    403
    Mentioned
    9 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Raoul Duke View Post
    You will just spend it on sheep and Hobbit shit. I know what goes on there.
    Baaa, you got me.

    Also coffee, coffee here is great.

  14. #464
    Administrator Kikó's Avatar
    Join Date
    Aug 2015
    Location
    Laaaaaandan
    Posts
    12,150
    Mentioned
    19 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Raoul Duke View Post
    Sounds like you need a spreadsheet, Barry.

    On a separate, personal, topic: anyone know much about https://transferwise.com/gb/borderless ? I want to move some money around so that I don't get shafted (so hard) when the country turns to a flaming hellscape when Brexit hits (I am really late to this but am trying to minimise damage...)
    Just opened a card myself and now have a few different currency accounts. Think it's free to send GBP and they'll offer you an FX rate convert (which should be reasonable).

  15. #465
    DEATH TO THE WEIRD Raoul Duke's Avatar
    Join Date
    Sep 2015
    Location
    Haarlem
    Posts
    6,802
    Mentioned
    23 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Kikó View Post
    Just opened a card myself and now have a few different currency accounts. Think it's free to send GBP and they'll offer you an FX rate convert (which should be reasonable).
    The thing that makes me twitchy with it is it's not FSCS-backed, so if they go tits up you could lose a bunch. Starling are opening up a similar product so I will be looking into that. Santander have something called a Gold Card too, which might be the ticket.

  16. #466
    Administrator Kikó's Avatar
    Join Date
    Aug 2015
    Location
    Laaaaaandan
    Posts
    12,150
    Mentioned
    19 Post(s)
    Tagged
    0 Thread(s)
    I'm not sure how they're getting around cross border kyc regulations but I guess as it's retail and you're sending money in from a regulated bank they're taking comfort in that. It won't be profitable.

  17. #467
    Senior Member hfswjyr's Avatar
    Join Date
    Sep 2015
    Posts
    942
    Mentioned
    13 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Raoul Duke View Post
    Sounds like you need a spreadsheet, Barry.

    On a separate, personal, topic: anyone know much about https://transferwise.com/gb/borderless ? I want to move some money around so that I don't get shafted (so hard) when the country turns to a flaming hellscape when Brexit hits (I am really late to this but am trying to minimise damage...)
    Transferred all my GBP to NZD when I left the country with Transferwise, and all went smoothly.
    I believe my mate was using a similar product called Monzo, but I couldn't tell you difference between that and Borderless.

  18. #468
    Administrator Kikó's Avatar
    Join Date
    Aug 2015
    Location
    Laaaaaandan
    Posts
    12,150
    Mentioned
    19 Post(s)
    Tagged
    0 Thread(s)
    Monzo allow for borderless exchange fees not an actual foreign bank account like TW. Monzo is only GBP

  19. #469
    Administrator Kikó's Avatar
    Join Date
    Aug 2015
    Location
    Laaaaaandan
    Posts
    12,150
    Mentioned
    19 Post(s)
    Tagged
    0 Thread(s)
    Tw Is offering actual accounts in local currency. Monzo offers borderless transfers but are only GBP.

  20. #470
    Senior Member Boydy's Avatar
    Join Date
    Sep 2015
    Posts
    12,592
    Mentioned
    78 Post(s)
    Tagged
    0 Thread(s)
    I opened one of those Help to Buy ISAs today. Not sure I'll actually use it but figured I should before the cut-off point in November anyway.

    I feel like such an adult.

  21. #471
    Senior Member
    Join Date
    Sep 2015
    Posts
    21,972
    Mentioned
    181 Post(s)
    Tagged
    0 Thread(s)
    Anyone know of anywhere that I can register with (almost) immediately and sell shares through this afternoon?

  22. #472
    Senior Member Boydy's Avatar
    Join Date
    Sep 2015
    Posts
    12,592
    Mentioned
    78 Post(s)
    Tagged
    0 Thread(s)


    Here looks like they'll let you do it pretty much instantly.

  23. #473
    Custom User Title phonics's Avatar
    Join Date
    Aug 2015
    Posts
    18,151
    Mentioned
    118 Post(s)
    Tagged
    0 Thread(s)
    Yev if you’re going to get involved in insider trading at least share the tip.

  24. #474
    Webly Ian's Avatar
    Join Date
    Sep 2015
    Posts
    20,654
    Mentioned
    123 Post(s)
    Tagged
    0 Thread(s)
    He's got shares in the Notre Dame gift shop.

  25. #475
    Senior Member Boydy's Avatar
    Join Date
    Sep 2015
    Posts
    12,592
    Mentioned
    78 Post(s)
    Tagged
    0 Thread(s)
    At least PM it to me since I tried to be helpful with a link.

  26. #476
    Senior Member
    Join Date
    Sep 2015
    Posts
    4,594
    Mentioned
    38 Post(s)
    Tagged
    0 Thread(s)
    Can i have some moneys please

  27. #477
    Senior Member
    Join Date
    Sep 2015
    Posts
    21,972
    Mentioned
    181 Post(s)
    Tagged
    0 Thread(s)
    Thanks guys.

    No insider knowledge and the price has already reached the city's target price, so no wealth to share.

  28. #478
    Won the Old Board Lewis's Avatar
    Join Date
    Sep 2015
    Location
    Hull
    Posts
    27,078
    Mentioned
    132 Post(s)
    Tagged
    0 Thread(s)
    He's selling shares in his sitcom. I've put three grand in.

  29. #479
    Senior Member
    Join Date
    Sep 2015
    Posts
    21,972
    Mentioned
    181 Post(s)
    Tagged
    0 Thread(s)
    Thanks for your support Lewie.

  30. #480
    Senior Member Boydy's Avatar
    Join Date
    Sep 2015
    Posts
    12,592
    Mentioned
    78 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Yevrah View Post
    Thanks guys.

    No insider knowledge and the price has already reached the city's target price, so no wealth to share.
    What was it then?

  31. #481
    I used to be funny.
    Join Date
    Sep 2015
    Posts
    21,254
    Mentioned
    41 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Ian View Post
    He's got shares in the Notre Dame gift shop.
    They sell brooms. Or they did.

  32. #482
    Senior Member
    Join Date
    Sep 2015
    Posts
    21,972
    Mentioned
    181 Post(s)
    Tagged
    0 Thread(s)
    I just had some shares in the company I work for and they've probably peaked, so SELL! SELL! SELL!

  33. #483
    Custom User Title phonics's Avatar
    Join Date
    Aug 2015
    Posts
    18,151
    Mentioned
    118 Post(s)
    Tagged
    0 Thread(s)
    I'm not sure this is what people meant when they said 'Financial Institutions need to diversify'


  34. #484
    I used to be funny.
    Join Date
    Sep 2015
    Posts
    21,254
    Mentioned
    41 Post(s)
    Tagged
    0 Thread(s)
    Hey, this thread's a year old. The last of my fixed bonds (2.25%) is maturing next week and you'd better believe I'm going straight back into another fixed bond for 1.5%. Something to offset all my variable ones getting shafted by the interest rate drops.

  35. #485
    Won the Old Board Lewis's Avatar
    Join Date
    Sep 2015
    Location
    Hull
    Posts
    27,078
    Mentioned
    132 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Lewis View Post
    He's selling shares in his sitcom. I've put three grand in.

  36. #486
    Administrator Kikó's Avatar
    Join Date
    Aug 2015
    Location
    Laaaaaandan
    Posts
    12,150
    Mentioned
    19 Post(s)
    Tagged
    0 Thread(s)
    Managed to pay a big chunk of credit card debts off this week. My pensions have lost 10% since the meltdown and Nutmeg pretty much break even.

  37. #487
    Senior Member Spikey M's Avatar
    Join Date
    Mar 2016
    Posts
    22,467
    Mentioned
    35 Post(s)
    Tagged
    0 Thread(s)
    Having kids is expensive bizniss, so we generally break even each month. This month, without trips to Zoo's, soft plays, etc we've managed to shove £700 in savings. Fuck me we've been wasting alot of money.

  38. #488
    Fuck like you cook.
    Join Date
    Dec 2018
    Posts
    2,107
    Mentioned
    28 Post(s)
    Tagged
    0 Thread(s)
    I couldn't imagine having children right now. Some of the stories I've read about parents on the breadline have been really tough. I'm so glad the only person I have to worry about is myself.

  39. #489
    Senior Member Spikey M's Avatar
    Join Date
    Mar 2016
    Posts
    22,467
    Mentioned
    35 Post(s)
    Tagged
    0 Thread(s)
    We're lucky (financially) in that I can work from home and my mrs works at a Supermarket so is working overtime at the moment.

    I would be lying if I said that her job didn't stress me out though. I'd rather she binned it in the current climate.

  40. #490
    Fuck like you cook.
    Join Date
    Dec 2018
    Posts
    2,107
    Mentioned
    28 Post(s)
    Tagged
    0 Thread(s)
    Aye, I wouldn't fancy that. If circumstances allowed it I would have probably put a forcible end to that.

  41. #491
    Senior Member Andy's Avatar
    Join Date
    Sep 2015
    Posts
    1,326
    Mentioned
    24 Post(s)
    Tagged
    0 Thread(s)
    We have been saving a fair bit the last couple of months. Have cancelled a few train trips, got a refund from FlyBe, refund on our anniversary stay and the missus is saving £600 a month working from home.

    That with just not actually doing anything is helping us save loads. We are still spending a bit of money, mostly on the house and garden. Also spending a fair bit with friends who run companies to help them through.

    Hopefully we will have quite a bit more towards our deposit when we move next which will probably be needed if house prices drop and the equity in our house goes down.

  42. #492
    Senior Member
    Join Date
    Sep 2015
    Posts
    3,865
    Mentioned
    49 Post(s)
    Tagged
    0 Thread(s)
    Surely new place price will drop too?

    I actually think I’m spending more on lockdown. I’ve lost my free lunch at work so basically buying an actual weekly shop of food rather than just snacking/light evening meal.

    Thankfully I’ve no mortgage or car payments and hoping to take advantage of the drop and upgrade to a house. Getting rid of this flat might be a nightmare though.

    House I quite fancied knocked 6% off their asking price. So hoping if this economic stuff is as per expected then might still be able to get it (or similar) for a good 10-15% under. That mitigates a similar drop in my flat. Realistically probably 6-12 months away at best.

  43. #493
    ram it up your shitpipe Giggles's Avatar
    Join Date
    Sep 2015
    Location
    Kildare
    Posts
    30,456
    Mentioned
    138 Post(s)
    Tagged
    0 Thread(s)
    I’ve 7 years of a contributory pension that I have zero idea of any details about and no means of finding out about. It was all paid in pre 2008 though so it probably doesn’t exist any more anyway.

  44. #494
    Senior Member Andy's Avatar
    Join Date
    Sep 2015
    Posts
    1,326
    Mentioned
    24 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Foe View Post
    Surely new place price will drop too?

    I actually think I’m spending more on lockdown. I’ve lost my free lunch at work so basically buying an actual weekly shop of food rather than just snacking/light evening meal.

    Thankfully I’ve no mortgage or car payments and hoping to take advantage of the drop and upgrade to a house. Getting rid of this flat might be a nightmare though.

    House I quite fancied knocked 6% off their asking price. So hoping if this economic stuff is as per expected then might still be able to get it (or similar) for a good 10-15% under. That mitigates a similar drop in my flat. Realistically probably 6-12 months away at best.
    I'm assuming everything will drop by 10-15% as well, for us we dont have a huge amount of equity though so a drop could make a difference. Hopefully not if we can save a fair bit before then.

    Also my pay has gone down 20% with the furlough scheme, no idea if that will make a difference.
    Last edited by Andy; 18-04-2020 at 10:34 AM.

  45. #495
    Administrator Kikó's Avatar
    Join Date
    Aug 2015
    Location
    Laaaaaandan
    Posts
    12,150
    Mentioned
    19 Post(s)
    Tagged
    0 Thread(s)

  46. #496
    Senior Member
    Join Date
    Apr 2017
    Posts
    208
    Mentioned
    17 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by Kikó View Post
    Managed to pay a big chunk of credit card debts off this week. My pensions have lost 10% since the meltdown and Nutmeg pretty much break even.
    Yeah, my Moneyfarm portfolios are down around 15% time-weighted and 20% simple/money-weighted. Annoying.

  47. #497
    I used to be funny.
    Join Date
    Sep 2015
    Posts
    21,254
    Mentioned
    41 Post(s)
    Tagged
    0 Thread(s)
    Bollocks. I've locked myself out of my account and the call centre's only working 9-5 on a weekday now.

  48. #498
    Senior Member
    Join Date
    Sep 2015
    Posts
    3,865
    Mentioned
    49 Post(s)
    Tagged
    0 Thread(s)
    Anyone else had an dodgy ongoings during lockdown?

    Thursday night someone tried to use
    My credit card to buy face masks and straighteners.

    Declined thankfully and card cancelled, but annoying.

  49. #499
    Administrator SvN's Avatar
    Join Date
    Sep 2015
    Posts
    6,574
    Mentioned
    89 Post(s)
    Tagged
    0 Thread(s)
    One of my friends had confirmation of his request to get bank card and pin sent by post, which he had no idea about. He phoned the bank who said not to worry, because it's going to his house anyway.

    A week later his account was cleaned out. Luckily he got everything back within a few days.

  50. #500
    Administrator Kikó's Avatar
    Join Date
    Aug 2015
    Location
    Laaaaaandan
    Posts
    12,150
    Mentioned
    19 Post(s)
    Tagged
    0 Thread(s)
    https://nathantankus.substack.com/p/...-bank-collapse

    Long read and a bit technical in places but pretty interesting.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •