Search found 271 matches

by paulnumbers
October 14th, 2019, 8:22 pm
Forum: Building and DIY
Topic: Bathroom Cabinet
Replies: 2
Views: 41

Bathroom Cabinet

Hi All, Please forgive my idiotic questions, I have almost no common sense when it comes to this sort of thing. When I moved into my house, the previous person took the bathroom cabinet (by agreement). I've now got to deal with the issue. https://i.imgur.com/Rjnhvxa.jpg I can just about cope with a ...
by paulnumbers
October 7th, 2019, 11:37 pm
Forum: Brokers and Share Dealing
Topic: Certificated dealing?
Replies: 10
Views: 404

Re: Certificated dealing?

Thanks all.

HL sounds good, for the transfer out for free, but I cant find anything online about that.
by paulnumbers
October 7th, 2019, 5:00 pm
Forum: Brokers and Share Dealing
Topic: Certificated dealing?
Replies: 10
Views: 404

Certificated dealing?

Hi,

Can anyone recommend a well priced broker for purchasing certificates please?

thanks,
Paul
by paulnumbers
September 19th, 2019, 3:12 pm
Forum: Retirement Investing (inc FIRE)
Topic: FIRE Puzzle
Replies: 15
Views: 2103

Re: FIRE Puzzle

I’ll give you my take, as until recently I was in a very similar position. Several hundred £k of investments, held outside pensions, roughly £90k income, no property, London based with little desire to leave. I finally bought a place last year, and now feel suitably poor again, it has done wonders f...
by paulnumbers
September 15th, 2019, 7:30 pm
Forum: Building and DIY
Topic: Replacing a thermostat
Replies: 16
Views: 697

Re: Replacing a thermostat

Out with the old - https://i.imgur.com/IqzITxz.png And in with the new - https://i.imgur.com/4CSW9oD.jpg Thanks all! Paul I hope your are as happy with it as I am. It's pretty intuitive to set up and use, but if you have any questions, post here and I'll try to answer them. One useful facility in t...
by paulnumbers
September 13th, 2019, 6:48 pm
Forum: Building and DIY
Topic: Replacing a thermostat
Replies: 16
Views: 697

Re: Replacing a thermostat

Out with the old - https://i.imgur.com/IqzITxz.png

And in with the new - https://i.imgur.com/4CSW9oD.jpg

Thanks all!

Paul
by paulnumbers
September 11th, 2019, 11:43 am
Forum: Does anyone know?
Topic: selling a kidney
Replies: 9
Views: 1027

Re: selling a kidney

parallel universe style query :-) 1) how much is a kidney worth if you sell it? (presumably abroad) 2) what are the health implications ? (aside fomo obvs if the remaining one fails you are stuffed!) didds I have a friend who bought one in India. £10k. Operation, paperwork, etc brought total cost u...
by paulnumbers
September 10th, 2019, 10:43 pm
Forum: Building and DIY
Topic: Replacing a thermostat
Replies: 16
Views: 697

Re: Replacing a thermostat

1) new wizz bang smart system like honeywell evohome - total cost about £600 2) swap out the thermostat with a programmable one, something like honeywell t4h110a1021 - cost about £60 Why not half-way house with something like a Nest or Hive? Hive is around £190 installed or £130 self-install, but w...
by paulnumbers
September 10th, 2019, 6:31 pm
Forum: Building and DIY
Topic: Replacing a thermostat
Replies: 16
Views: 697

Re: Replacing a thermostat

Thank you very much all, particularly to pochisoldi with the helpful instructions on the cabling. I've decided I'll grab myself a Salus RT510, the hard wired version, and get that setup in the next few days. I also like the idea of getting hold of a couple of digital TRV's for some rooms where it wo...
by paulnumbers
September 10th, 2019, 11:20 am
Forum: Building and DIY
Topic: Replacing a thermostat
Replies: 16
Views: 697

Replacing a thermostat

Wonder if anyone can recommend a way forward. I have a combi boiler in the loft, vokera 29e, and this has a 24 hour rotary timer on it, (ie, not 7 days, or programmable). Connected in the living room is a very old style thermostat. It has 4 wires as seen in the following pictures (should be 4 pictur...
by paulnumbers
September 9th, 2019, 4:28 pm
Forum: Investment Trusts and Unit Trusts
Topic: WPCT
Replies: 4
Views: 1337

Re: WPCT

Thanks, Alaric. I wonder whether this trust will ever recover. Up a trifle today but still over 50% off my purchase price. Who knows. At the end of the day if you believe that the assets are reliably priced by the trust, then this represents a massive bargain. Having read in the annual report how N...
by paulnumbers
September 2nd, 2019, 10:27 pm
Forum: Bank Accounts Savings & ISAs
Topic: First Direct Internet Banking Plus closing
Replies: 44
Views: 4127

Re: First Direct Internet Banking Plus closing

And have you been using it on the same computer for all that time? :) The site you linked to looks like one from a bygone age, and it does say, on that page, " ... accountunity has been designed to take advantage of the security features of Internet Explorer 6 ..."! And their FAQ says, &q...
by paulnumbers
August 22nd, 2019, 4:03 pm
Forum: Does anyone know?
Topic: Paying off the mortgage.
Replies: 19
Views: 2027

Re: Paying off the mortgage.

We (wife and I) have approximately four years and four months left on our interest only mortgage. I have realised that with ISAs (set up to back up that mortgage) and savings we could pay that off early. The B/S have confirmed there are no early exit charges etc. The plan once paid off would be to ...
by paulnumbers
August 21st, 2019, 4:53 pm
Forum: Credit Cards and Loans
Topic: Halifax Clarity: foreign currency withdrawals
Replies: 18
Views: 1123

Re: Halifax Clarity: foreign currency withdrawals

I used to use Clarity like this. It works as you say. Generally I would pay it off same day by internet banking rather than run it in credit. Cash advances on credit cards do show on your credit file, and may raise eyebrows if you need a mortgage. All that said, now I plan on using Starling. Same ra...
by paulnumbers
August 8th, 2019, 6:13 pm
Forum: Bank Accounts Savings & ISAs
Topic: First Direct Internet Banking Plus closing
Replies: 44
Views: 4127

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: 44
Views: 4127

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: 1653

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: 44
Views: 4127

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: 2118

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: 2454

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...

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