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It's also just a massive hassle for the branch if someone shows up unannounced and asks for 20% of their daily float. They need to order cash daily.
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Jul 29, 2020 14:28
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Alchenar posted:It's entirely down to policy but generally anything over £500 without notice triggers HOLY poo poo FRAUD/DRUGS sirens. Also it's a ballache for the branch if one persons hoover up all the cash they keep on site without notice. Asking for the limit is also a bit 'oh wow this guy is getting played by fraudsters' warning. Thanks for all of the replies. :-) I went in to ask for it so i could pick it up the next week so no hoovering intended, learned to do that in the past as i used to make those sized withdrawals a couple of times a year. Guess i will have go smaller & more frequently. I'm in Northern Ireland and with every bank here printing their own money i always preferred Bank Of England notes for the larger denominations.
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Jul 29, 2020 19:27
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I had to get 2k out in cash recently to pay for my dog and the cashier was super chill and just did it as two separate transactions. So tell them you're buying a dog/multiple dogs.
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Jul 30, 2020 10:08
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Yeah I mean when I've needed to withdraw big wads of cash I've always just said what it's for and it's been fine. Usually for stuff like a deposit for a tenancy
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Jul 30, 2020 12:13
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To be fair, "Hi I'd like a large sum of money in £50 notes please, no I don't want to tell you what its for" does scream drugs and/or money laundering at first glance.
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Jul 30, 2020 12:54
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Cast_No_Shadow posted:To be fair, "Hi I'd like a large sum of money in £50 notes please, no I don't want to tell you what its for" does scream drugs and/or money laundering at first glance. In NI could also scream small arms.
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Jul 30, 2020 13:16
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KYOON GRIFFEY JR posted:In NI could also scream small arms. Could also be buying more wood chips
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Jul 30, 2020 13:22
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KYOON GRIFFEY JR posted:In NI could also scream small arms. Alchenar posted:Could also be buying more wood chips You know my homeland all too well.  Wonder if the government was worried about a run on the banks due to the impending Brexit next year as well as nefarious withdrawals for dastardly deeds.
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Jul 30, 2020 19:31
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Not sure how having your brexitmarks in paper format will help you buy a £5,000,000,000 loaf of bread Turn your money into something that’s going to become more valuable, like loo paper or eu passports
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Jul 31, 2020 06:21
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During lockdown we managed to save £10k due to not having kids in Nursery. I’ve kept £5K in a savings account with my bank, paying an exciting 0.1% if I don’t withdraw from it, to act as my emergency funds. The other £5K I’ve put in NS&I bonds, because I’m massively risk averse and don’t like the idea of losing money. In light of the pandemic, I’m considering my life. I work in Oil in Scotland, and I’m acutely aware that I probably won’t be able to finish out my life here, I don’t want to work abroad - so I’ll probably need to change careers, and take a pay cut. So I need to build up savings which could help, and I don’t think I’ll make much savings with a 1.25% NS&I rate. I know I need to not be so conservative, but I don’t like the idea of my savings being worth less than when I put them in. Any advice on changing my thinking?
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Aug 1, 2020 14:19
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We need to talk about timescales for those life events. If you need that 5k in the next 5 years then doing anything with it is a bad idea. If you don't, stick it in an isa index fund. Long term the market goes up, but short term volatility happens and all the reasons why you are worried about your job are the same reasons why the next few years could be bumpy for stocks. If risk free money were a thing then everyone would be doing it (and index funds are the closest thing, which is why they're exploding in popularity).
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Aug 1, 2020 14:29
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If you've saved 10k in four? months maybe be a stay at home parent because Christ that's a lot of money in childcare per year.
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Aug 1, 2020 14:30
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Sloth Life posted:If you've saved 10k in four? months maybe be a stay at home parent because Christ that's a lot of money in childcare per year. We’re 1.3k a month in childcare costs, and that’s only 3 days a week for two kids. We’ve got two older kids in school, and I worked out how much I’ve spent on nursery fees to date and it’s ridiculous. (I know 1.3x4 =/= 10, but it’s coupled with savings on activities not on, not driving, not eating out at all). Timescales are probably in the next 10 years for needing to change career, I should be ok where I am for a little while (famous last words). Oodles fucked around with this message at 14:55 on Aug 1, 2020 |
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Aug 1, 2020 14:52
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Yeah we were shocked when we realised that nursery costs more than private school. Unlike some of our friends, we didn’t have to pay any nursery fees during lockdown which was great (and the difference for a part time nanny in the interim was considerably less than we used to spend eating and drinking out). Having said that, for the 10 days our nursery has been open, my child has been at home sick for more than half. At 10 days exclusion every time my toddler gets a temperature, nurseries just aren’t viable right now.
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Aug 2, 2020 13:45
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Ours have been open about the same time, but we’ve asked to defer the start to when the schools are in. My wife got furloughed and don’t see the point paying for nursery when she’s getting paid to stay at home. Our kids are back in nursery next week, clubs are starting up again too, so there goes all chances of saving. It was nice while it lasted.
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Aug 2, 2020 21:33
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Sloth Life posted:Ok so things as they stand on Jan 1, in order of priority. Original amounts from original post,current amounts in bold as of today. Sorry I borked the format. Sloth Life fucked around with this message at 15:50 on Aug 8, 2020 |
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Aug 8, 2020 13:07
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I'll likely start looking at buying a flat in the next year (depending on the state of things). Is there some kind of guide out there that will hold my hand throughout the process? I'd like to start learning about it now so when the time comes I'll have a good view of the landscape. I'm in Scotland (The Burgh) if that changes anything!
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Aug 8, 2020 15:30
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Sloth Life posted:Original amounts from original post,current amounts in bold as of today. Sorry I borked the format. Nice work! It'll be really sweet when that CC debt is gone
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Aug 8, 2020 16:03
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Impromptu Flip posted:I'll likely start looking at buying a flat in the next year (depending on the state of things). Is there some kind of guide out there that will hold my hand throughout the process? I'd like to start learning about it now so when the time comes I'll have a good view of the landscape. There you go: https://www.moneyadviceservice.org.uk/en/articles/cost-timeline-for-buying-a-property-in-scotland If you are looking at a new build then the developer will hold your hand through the whole process (not to be nice, because they want to take your money).
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Aug 8, 2020 16:07
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Impromptu Flip posted:I'll likely start looking at buying a flat in the next year (depending on the state of things). Is there some kind of guide out there that will hold my hand throughout the process? I'd like to start learning about it now so when the time comes I'll have a good view of the landscape. The only advice I can give is the all conveyancers are utter dogshit, because if they were half competent legal professionals they would not be doing conveyancing so be prepared for that.
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Aug 14, 2020 10:32
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Raffles posted:The only advice I can give is the all conveyancers are utter dogshit, because if they were half competent legal professionals they would not be doing conveyancing so be prepared for that. Big confirm. I can only suggest getting the cheapest conveyancer because you will spend your entire time double checking their work no matter how expensive they are. The one I had was a complete moron, used my name as the street name on the contract, twice, spent 2months waiting for me to reply to a mail they didn't send without following up, and tried billing me for sdlt after being told on four separate occasions I was a first time buyer. I recommend sending them one question at a time and repeating the question until they answer to your satisfaction. Mine would respond to one question out of every five if that and usually only after being prompted. They are completely useless.
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Aug 14, 2020 11:44
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I'd also suggest not going for one of the big conveyancing firms. We've had much better luck with smaller companies
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Aug 14, 2020 11:47
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Don't buy a flat, buy a house. Flats, leaseholds, management companies, it's a massive bundle of crap. Avoid if you can! Get a personal recommendation for solicitor and conveyencer, do not use the Estate Agents preferred companies. Do not trust a single thing that the EA says without full written proof.
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Aug 14, 2020 12:26
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Sloth Life posted:Don't buy a flat, buy a house. Flats, leaseholds, management companies, it's a massive bundle of crap. Avoid if you can! Flats are nigh-on unpurchaseable at the moment anyway, depending on the size. Post-Grenfell, any building over a certain height requires the "ESW1" form to confirm the presence of cladding, or lack thereof. Lenders will not lend to properties until that form has been signed off. Complicating matters further, most lenders are choosing to require that form for buildings *under* the height requirement as well. This form is taking, on average, ~6 months to get issued depending on works required etc.
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Aug 14, 2020 19:15
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Impromptu Flip posted:I'll likely start looking at buying a flat in the next year (depending on the state of things). Is there some kind of guide out there that will hold my hand throughout the process? I'd like to start learning about it now so when the time comes I'll have a good view of the landscape. Great name post combo! Just a rule of thumb of mine, but dont buy a new build or anything built in the last 30 years. Cant speak for Scotland but English house quality has really gone downhill and the size of the rooms seems to have shrunk too. i went for late 80s ex council myself.
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Aug 17, 2020 16:48
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Breath Ray posted:Great name post combo! Just a rule of thumb of mine, but dont buy a new build or anything built in the last 30 years. Cant speak for Scotland but English house quality has really gone downhill and the size of the rooms seems to have shrunk too. i went for late 80s ex council myself. Also be careful the other way. Mine is 1850s and while spacious and very unlikely to fall down it's has it's own unending host of problems.
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Aug 17, 2020 20:08
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Cast_No_Shadow posted:Also be careful the other way. Mine is 1850s and while spacious and very unlikely to fall down it's has it's own unending host of problems. Yeah, ours is of similar age and hasn't had any serious love in a very long time. Peeling off lining paper and finding people's names scrawled with dates like 1870 and 1855 was fun though, people have always been massive dorks 
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Aug 17, 2020 20:14
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Remortgaged yesterday, going from 2 year fixed at 2.84% to 5 year fixed at 1.71%, and dropping £100 off my monthly payment. Thanks covid!Sloth Life posted:Original amounts from original post,current amounts in bold as of today. Sorry I borked the format. I should really do this sort of goal-based review myself. "if you have spare cash after building a buffer, then pay down your highest rate interest debt" is great advice, but immediately falls apart when you take most of your income as dividends, because "your highest interest debt" at that point is avoidable income tax.
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Aug 19, 2020 13:33
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I'm being ripped-off by Sky at the moment for my broadband, so I'm due for a change. It's been literally a decade since I last switched (ironically after being ripped-off by BT), so I'm somewhat rusty: am I best off finding a package via Moneysupermarket, giving New Providertm my details, and waiting for the new equipment to arrive in the post? (My current equipment plugs into the Openreach socket, which I think only precludes Virgin as a provider?)
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Aug 19, 2020 15:47
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so I could say that I finally figured out what this god damned cube is doing. Get well Lowtax.
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spincube posted:I'm being ripped-off by Sky at the moment for my broadband, so I'm due for a change. It's been literally a decade since I last switched (ironically after being ripped-off by BT), so I'm somewhat rusty: am I best off finding a package via Moneysupermarket, giving New Providertm my details, and waiting for the new equipment to arrive in the post? See who comes up with the best price on <compare the whatever.com> then go direct to the provider and see if they'll do you a deal for a bit less given there isn't a middleman to pay commission to would be my approach.
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Aug 19, 2020 16:06
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zen are best if you need high speed internet but it's a bit pricey. plusnet is a decent alternative that i went with when i switched recently
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Aug 19, 2020 16:35
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spincube posted:I'm being ripped-off by Sky at the moment for my broadband, so I'm due for a change. It's been literally a decade since I last switched (ironically after being ripped-off by BT), so I'm somewhat rusty: am I best off finding a package via Moneysupermarket, giving New Providertm my details, and waiting for the new equipment to arrive in the post? MoneySavingExpert is generally my goto. https://www.moneysavingexpert.com/broadband-and-tv/ I have Zen. Nothing close to the cheapest (£35/m?) but works well other than the terrible quality of the phone line.
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Aug 19, 2020 17:46
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Thanks all. Current plan is to sniff out an 'average package' from MSM, round the price down a little for being such a loyal
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Aug 19, 2020 21:38
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i got sky sports and internet for £10 a month for a year with nowtv a couple of years ago, see if you can beat that
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Aug 19, 2020 21:53
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does anyone know if zoopla estimated rental prices and house prices are at all reliable or are they too good to be true
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Aug 28, 2020 15:21
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Breath Ray posted:does anyone know if zoopla estimated rental prices and house prices are at all reliable or are they too good to be true Just checked on my flat and it is bang on what we rented it out for last year whilst we were living abroad. Sell estimate is probably pretty close too.
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Aug 28, 2020 17:41
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Depends entirely on the volume of the market, I suspect. Like, if they're basing their numbers on the listing values of the same or similar homes in the area then that relies on there being recent and regular listings of that home or similar homes in the area.
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Aug 28, 2020 17:49
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Jaded Burnout posted:Depends entirely on the volume of the market, I suspect. Like, if they're basing their numbers on the listing values of the same or similar homes in the area then that relies on there being recent and regular listings of that home or similar homes in the area. Yeah good point - I'm in central London fwiw.
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Aug 28, 2020 17:52
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Raffles posted:Yeah good point - I'm in central London fwiw. My condolences.
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Aug 28, 2020 17:53
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Raffles posted:Yeah good point - I'm in central London fwiw. ex council, or...?
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Aug 28, 2020 18:59
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