Search found 301 matches

by paulnumbers
August 8th, 2019, 6:13 pm
Forum: Bank Accounts Savings & ISAs
Topic: First Direct Internet Banking Plus closing
Replies: 43
Views: 2128

Re: First Direct Internet Banking Plus closing

I am fully in agreement with topstar. As previously said, we are going backwards in functionality and convenience. Unless you know differently Paul, ewise is not available in the UK as previously noted, which makes the situation even more frustrating. The link posted is to ewise in Australia. Yes t...
by paulnumbers
August 7th, 2019, 10:50 pm
Forum: Bank Accounts Savings & ISAs
Topic: First Direct Internet Banking Plus closing
Replies: 43
Views: 2128

Re: First Direct Internet Banking Plus closing

I know people are going to say - well, just get used to it, like the rest of us who do not have IBP. But I am finding I am freaking out. I seriously would like to know from the rest of the friendly folk here who have never used IBP or heard of it......how did you manage all your multiple logins to ...
by paulnumbers
August 5th, 2019, 10:46 pm
Forum: Brokers and Share Dealing
Topic: Unable to transfer shares between ISA's
Replies: 1
Views: 314

Re: Unable to transfer shares between ISA's

I guess what I would do is the following, to remain invested. purchase the shares in Degiro/Trading 2121 & sell them in IG. Transfer the ISA as cash Repurchase the shares in the new broker & sell in Degiro/Trading 212 Degiro will be slightly more expensive. Trading 212 should be cheaper, but...
by paulnumbers
August 3rd, 2019, 9:06 pm
Forum: Bank Accounts Savings & ISAs
Topic: First Direct Internet Banking Plus closing
Replies: 43
Views: 2128

Re: First Direct Internet Banking Plus closing

A quick heads up to anyone using First Direct Internet Banking Plus. This service is to close on the 26th August. This apparently due to legislative changes and the new security requirements coming in September. A bit of a shame, I've been using this for years and always found it to be extremely us...
by paulnumbers
August 3rd, 2019, 3:38 pm
Forum: Pensions - Practical Problems
Topic: A little help
Replies: 7
Views: 618

Re: A little help

Thanks chaps. So, assuming death happens after age 75, when a pension company tries to distribute a pension, is it at that point that they contact the beneficiary and give them the option of either taking taxed cash, or opening a pension and have it being put into that? It's that point I'm not reall...
by paulnumbers
August 3rd, 2019, 1:34 pm
Forum: Brokers and Share Dealing
Topic: Trading 212 -buy and sell shares for free.
Replies: 13
Views: 2347

Re: Trading 212 -buy and sell shares for free.

Does anyone have any information on their foreign exchange rates? Can't find online It is 0%, but difficult to verify due to very poor statements on the accounts - the statement only shows what you sold something for in the foreign currency, and there is no actual cash statement, just a “free funds...
by paulnumbers
August 2nd, 2019, 11:49 pm
Forum: Pensions - Practical Problems
Topic: A little help
Replies: 7
Views: 618

A little help

Hi, I'm trying to help my Dad with his pension, which is a teachers AVC DC pension managed by Prudential He already takes the standard teachers pensions, and has done for a few years. He took the maximum lump sum from the DB pension when he retired. The AVC has £128k in it, the charges appear to be ...
by paulnumbers
July 29th, 2019, 8:58 pm
Forum: Investment Trusts and Unit Trusts
Topic: WPCT Woodford sell 60 per cent of his stake
Replies: 6
Views: 1014

Re: WPCT Woodford sell 60 per cent of his stake

Explanation is he needed the loot to pay a tax bill. Bit surprised by that after all the money he has trousers in recent times. Shocked by his decision not to see it through with his own money. In fact, I think this qualifies him for my award of tosser of the week and it's only Monday and despite s...
by paulnumbers
July 28th, 2019, 10:27 pm
Forum: Brokers and Share Dealing
Topic: Saxo v x-o v Degrio
Replies: 16
Views: 923

Re: Saxo v x-o v Degrio

If you’re comfortable fishing in the Degiro end of the market, have a look at Trading 212. No trading fee’s, no forex fee’s, no charges for an ISA. Difficult to see how they make any money on their share/isa accounts. Is this a fairly recent change? Used to be only limited number of trades, no ISA ...
by paulnumbers
July 21st, 2019, 6:38 pm
Forum: Polite Discussions
Topic: The BBC is proving itself to be a disgrace
Replies: 6
Views: 303

Re: The BBC is proving itself to be a disgrace

Stonge wrote:The latest waste of money/rip off of licence payers' money, while depriving our silver heroes:

https://www.moneysavingexpert.com/news/ ... or-p6-mth/


Excellent. Let's see the BBC compete head to head with Netflix and let's see who wins.
by paulnumbers
July 20th, 2019, 10:46 pm
Forum: Living Below Your Means
Topic: A tip re cheap certified copies, avoiding posting original docs
Replies: 6
Views: 1449

Re: A tip re cheap certified copies, avoiding posting original docs

Isn't there normally a list of professions that can certify - can't remember librarian being on that list? Well, that's what I thought. I quite fancy opening this account for some of my Stooz pot :- https://www.theloughborough.co.uk/savings/product/save-to-buy-1 But they appear to be in the dark ag...
by paulnumbers
July 16th, 2019, 8:27 pm
Forum: Beerpig's Snug
Topic: How do rockets accelerate in space?
Replies: 45
Views: 2620

Re: How do rockets accelerate in space?

Rockets and engines in space behave according to Isaac Newton's third law of motion: Every action produces an equal and opposite reaction. https://www.livescience.com/34475-how-do-space-rockets-work-without-air.html RC Very many thanks RC. Most interesting. I’m tempted to wonder whether Newton got ...
by paulnumbers
July 11th, 2019, 9:43 pm
Forum: Retirement Investing (inc FIRE)
Topic: FIRE starts today
Replies: 20
Views: 2298

Re: FIRE starts today

Yesterday was my last day of work and Australia 126-5 in the Cricket World Cup semi-final - what a start to the next chapter in my life. I've worked for nearly 36 years with 9 days of unemployment and that is that - I am done I've been actively planning for this day for many years and been "do...
by paulnumbers
June 22nd, 2019, 6:37 pm
Forum: Music, Theatre, TV and Film
Topic: Catch 22, TV series.
Replies: 4
Views: 1034

Re: Catch 22, TV series.

Thanks for the heads up, it's my favorite novel. I'll at least try it.
by paulnumbers
June 21st, 2019, 6:49 pm
Forum: Cycling
Topic: Bankrupcy for cycling.
Replies: 15
Views: 1582

Re: Bankrupcy for cycling.

I'm a cycle commuter, and have had a few few brushes with incidents myself. Something doesn't quite ring true about this story though. He had the time to sound an air horn, but not to slow down. Doesn't make a lot of sense to me. Perhaps I'm wrong, but it sounds like she walked into traffic, he trie...
by paulnumbers
June 15th, 2019, 8:23 pm
Forum: London lovers
Topic: somewhere to park and stay i9n a campervan in central london
Replies: 15
Views: 1102

Re: somewhere to park and stay i9n a campervan in central london

We have a campervan. We go places and stay in it. We likemto fo to London to see west end shows, and museums. Understanderbly hotel rooms and even Airbnb are £££ in central London (and TBH our last expereince of an airbnb in Soho was bloody poor - £160 for one night in a nice flat - had it actually...
by paulnumbers
June 11th, 2019, 3:20 pm
Forum: Investment Trusts and Unit Trusts
Topic: Patient Capital
Replies: 52
Views: 5992

Re: Patient Capital

>for example, all of Neil’s personal wealth is invested in the Woodford business and in the Woodford funds, including his pension This is not akin to Buffett and Munger, where investors fortunes move in lockstep with managements. The Woodford business makes money when investors do not (except in the...
by paulnumbers
June 10th, 2019, 11:19 am
Forum: Polite Discussions
Topic: Tory leadership candidates discover money tree
Replies: 126
Views: 2874

Re: Tory leadership candidates discover money tree

Affording tax cuts is the big problem. The deficit is still there, even though it is coming down slowly. Tax cuts must go hand in hand with a root and branch cutback on unneccessary expenditure. Abolish the HoL and cutting the Commons and devolved assemblies would save a bit, and show the new PM me...
by paulnumbers
June 10th, 2019, 10:18 am
Forum: Retirement Investing (inc FIRE)
Topic: Using offset mortgage in draw-down
Replies: 17
Views: 2103

Re: Using offset mortgage in draw-down

I have down precisely this. In anticipation of retirement (currently 54) I remortgaged last year. Currently my £420K Barclays mortgage is split 160K Repayment (15 year term) and 260K Interest Only. By the end of this month this borrowing will be fully offset by 250K in cash and 170K in Cash ISA My ...

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