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>> No. 6895 Anonymous
30th March 2017
Thursday 9:42 pm
6895 spacer
I always had the notion that the grass in Britain's Anglo ex-colonies was a somewhat more lustrous shade of green, particularly for skilled tradesmen and the like, but lately I've heard the opposite; that the new world isn't a shangri-la for disgruntled British tradesmen.

A skilled tradesman who earns £30k a year in the UK would expect to earn roughly $50-60k a year doing the same job in Canada, Australia, and New Zealand. Even if you go back to pre-Brexit exchange rates, it seems like the guy earning $60k would be in a better position, especially if you assume that house prices would be cheaper because of more lebensraum.

Apparently some of these assumptions stand on wonky ground. I've heard that when you account for costs of living and mortgaging an average house, earning £30k outside of London will take you further than $60k a year outside of Toronto, Auckland, and Sydney. Is there any truth to that?
1 post omitted. Expand all images.
>> No. 6897 Anonymous
31st March 2017
Friday 5:23 am
6897 spacer

I've paid 18 quid for a bottle of beer in Brisbane. Nothing special mind, just a beer. It is fucking dear out there, especially for electronics.

That said I live in one of the most expensive cities in the world and could get by and lead a healthy, happy life for 10k, I just use my noggin and find the cheap places to eat and drink.
>> No. 6898 Anonymous
31st March 2017
Friday 9:45 am
6898 spacer
> Also, personally if I was even thinking of Canada it would definitely be Vancouver.

Not without learning Cantonese first m80. It's basically pre-Handover HK without the slums now.
>> No. 6899 Anonymous
31st March 2017
Friday 6:12 pm
6899 spacer
>without the slums now.
That will change soon - only this time, the slums will be full of white Canadians.
>> No. 6900 Anonymous
1st April 2017
Saturday 12:33 am
6900 spacer

Is that you, Chinese Ministry of Propaganda lad?
>> No. 6901 Anonymous
1st April 2017
Saturday 8:38 pm
6901 spacer
Doesn't matter lad - the Canadians have a fuckton of very beautiful country and they are good at managing it. Would live in Vancouver tomorrow.

>> No. 6889 Anonymous
12th March 2017
Sunday 10:29 pm
6889 spacer
Is it true the Co-op bank is falling to pieces?

I ask because I'm looking for a decent ethical place to start a savings account (online saver or something similar).
Expand all images.
>> No. 6890 Anonymous
12th March 2017
Sunday 10:35 pm
6890 spacer
What's wrong with Nationwide? They're the best you're going to get that has branches all over the country.
>> No. 6891 Anonymous
12th March 2017
Sunday 10:35 pm
6891 spacer
Anyway you can use Move Your Money to rank banks by ethics.

>> No. 6892 Anonymous
13th March 2017
Monday 4:02 pm
6892 spacer
I know one off their senior finance guys. He was involved in pushing the lack of ethical investing for better returns shit. What could possibly go wrong.

The cunt.
>> No. 6893 Anonymous
13th March 2017
Monday 4:07 pm
6893 spacer
>What could possibly go wrong.
Bugger all to be honest.
>> No. 6894 Anonymous
13th March 2017
Monday 4:57 pm
6894 spacer
Co-op went to shit the moment they bought Britannia Building Society. Just stick with Nationwide.

>> No. 6881 Anonymous
1st March 2017
Wednesday 10:12 pm
6881 Vanguard Funds
Does anyone have any experience investing with Vanguard?

I have around £200 to invest each month and have read that regularly investing into stock and shares through Vanguard is a low cost option.

With a small amount should I be investing in ETFs or Index Funds?
2 posts omitted. Expand all images.
>> No. 6884 Anonymous
2nd March 2017
Thursday 8:47 am
6884 spacer

Only if your are investing in coke.
>> No. 6885 Anonymous
3rd March 2017
Friday 11:38 am
6885 spacer
Surely it'd be better than not investing it. Assuming the money would otherwise be wasted or go unused.
>> No. 6886 Anonymous
3rd March 2017
Friday 12:16 pm
6886 spacer
In the real world that's not really a safe assumption.
>> No. 6887 Anonymous
3rd March 2017
Friday 3:10 pm
6887 spacer
>> No. 6888 Anonymous
3rd March 2017
Friday 5:30 pm
6888 spacer
You mean why might money not be wasted or unused? Emergencies? Short term savings? Any number of discretionary channels?

>> No. 6491 Anonymous
7th August 2016
Sunday 4:59 pm
6491 Estate agents
I'm buying my first house and they have accepted an offer on the house. I was checking on the advert on right move to get some measurements and I noticed that they have updated the advert to:

PUBLIC NOTICE! William H Brown are now in receipt of an offer for the sum of £140,000 for ****************. Anyone wishing to place an offer on this property should contact ****************** before exchange of contracts.

Is this usual/legal for them to publicise the bid they've received in order to basically create an auction type situation? I've sent them a snotty e-mail asking them to not publicise the amount we have bid because that just seems pretty unfair.

Anyone have similar stories?
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>> No. 6876 Anonymous
8th February 2017
Wednesday 9:41 pm
6876 spacer
I am looking for a flat to rent.

I have found one I like, and the letting agent wants £125 (non-refundable) before they will even draw up a contract. So if I don't like the contract, that money is wasted. They also want lots of other fees, making a total of £525, almost one months rent - £625.

This is for a letting agent that turned up late, didn't know what council tax band the flat was in, could not find the car park to show me, and had to phone the office to find out what the fees were. I am also almost certain that they did not give 24 hours notice to the existing tenant, as they arranged the appointment on the phone almost exactly 24 hours before it took place, and when we arrived the agent didn't seem to know if the flat would be occupied or not.

I was ready to negotiate on these fees, and overlook the incompetence of the agents, until I did some googling and discovered they have been rated 1/5 stars on allagents.co.uk.

Tomorrow I am going to tell them to fuck right off.
>> No. 6877 Anonymous
8th February 2017
Wednesday 11:43 pm
6877 spacer
This is exactly why the entire burden of the agency should be on the landlord. The landlord has the power to leave and use another agent. The prospective tenant just has to put up with the agent or pick another property.

When I was looking for somewhere to rent a couple of years ago, I found a cracking little place. Then I saw the name of the letting agency. I wondered why it rang a bell. It turned out it was because a couple of weeks before a consumer affairs show had run a property special, including a whole bunch of dodgy letting agents. Most of them issued statements with the flimsiest of defences but offering refunds as "gestures of goodwill". Except for the firm behind the flat I'd seen. They were the worst of the bunch, having kept the whole of the deposit in all the cases of theirs featured, and then completely ignored the programme. IIRC, the tenants got CCJs but were unable to enforce them.
>> No. 6878 Anonymous
9th February 2017
Thursday 5:08 am
6878 spacer

If an agent expects a fee go elsewhere. If the contract is more than two pages, go elsewhere.

Fuck these cunts.
>> No. 6879 Anonymous
10th February 2017
Friday 11:34 am
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I'm selling my house, First bunch of viewings this morning, all well and good.
How prejudiced am I if I got a 'gonna haggle and be a pain in the arse' vibe from each of the two laplanderstani dudes who 'wanted it for their big families'?
Is that code for HMO slumlord, or a real thing?

Also, I print out the details and floorplan when I'm going to look at a place. How shambolic do you have to be to not bother? I fucking hate people.
>> No. 6880 Anonymous
10th February 2017
Friday 12:28 pm
6880 spacer
I know a couple of estate agents and the job has made them incredibly racist against Joes because of how dodgy and slippery they are.

>> No. 6744 Anonymous
8th December 2016
Thursday 11:54 pm
6744 spacer
Lads who started their own businesses, could you give me a walk-through of some the things you did to make it? From the idea, to the settled daily grind and money making part?
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>> No. 6870 Anonymous
31st January 2017
Tuesday 12:39 pm
6870 spacer
I'm starting up a business now, some bit of tech that could be useful in the North Sea oil platforms. Already pulled the trigger but still not sure if I did the right thing this way instead of getting a nice job.

Waiting for my visa to be processed now, on the account of being a foreignlad. We'll see how it goes.
>> No. 6871 Anonymous
31st January 2017
Tuesday 9:29 pm
6871 spacer
How are you handling it from the regulatory side? Self-certified or through a test house?
>> No. 6872 Anonymous
1st February 2017
Wednesday 9:15 am
6872 spacer
Currently trying to partner with an oil & gas company through accelerator programmes so I wouldn't have to worry about that among couple other things. Every bloody thing is regulated in this industry.
>> No. 6873 Anonymous
1st February 2017
Wednesday 10:15 am
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If only they would let you make money with no restrictions. It's not like anything disastrous has ever happened on an oil rig.
>> No. 6874 Anonymous
1st February 2017
Wednesday 8:01 pm
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If its going to be in open air or in a hazardous area on the rig then it will probably fall under the DSEAR regs and a significant source of ballache later down the line.

Completely off topic, but I can offer some pointers if you'd like.

>> No. 6856 Anonymous
28th January 2017
Saturday 6:49 pm
6856 What to do with a lump sum
In July I will have £20,000. It's a long-story that I won't bore anyone with the details of, all you need to know is I will have a current account with about £20,000 in it.

What should I do with it? Or perhaps even more useful advice would be what should I read so that I can come to my own conclusions about what to do with it?
7 posts omitted. Expand all images.
>> No. 6864 Anonymous
29th January 2017
Sunday 1:03 pm
6864 spacer
>What do you mean brick makers are struggling? House prices have never been higher!
>> No. 6865 Anonymous
29th January 2017
Sunday 1:33 pm
6865 spacer
You're going to have to explain this one to me, lad.
>> No. 6867 Anonymous
29th January 2017
Sunday 9:34 pm
6867 spacer

Not OP, but he probably means that high stock prices have made dividend yields lower.

If the government stop printing money then the FTSE might nosedive.
>> No. 6868 Anonymous
29th January 2017
Sunday 10:02 pm
6868 spacer
As far as I'm aware there hasn't been any QE for a few years. It hasn't been retracted yet but there's nothing new as far as I'm aware.
>> No. 6869 Anonymous
29th January 2017
Sunday 10:05 pm
6869 spacer
I think they did a round not long after the EU Referendum vote.

>> No. 3840 Anonymous
19th September 2013
Thursday 10:03 pm
3840 Pensions
The OFT have come out and said that many old (i.e. set up before 2001) pension schemes have high charges and offer savers poor value for money. They've also suggested a cap for auto-enrolment schemes, but it's going to be an almost meaningless gesture as you'd be very hard pressed to find a provider offering auto-enrolment terms with annual management charges greater than 1% anyway.


The pension scheme I'm in at work (contribution: 5% employer, 5% employee gross) has management charges of 0.6%, which I'm alright with as it's less than I'd get if I was investing in collectives through an ISA.

However, I've put the charges and contribution details into Invidion's pension calculator for an idea of what I'd get when I'm 65, 40 years from now, and if my salary increases in line with National Average Earnings and I took the 25% tax-free lump sum I'd be looking at a pension in today's terms of 27.5% of my current salary. If I wanted a pension that would be about two-thirds of what I'm earning now then I'll need to contribute, assuming the employer contribution stays at 5%, 15% gross (12% net) of my salary every year for the next four decades. This does depend on what annuity rates will be like then and I'd also be getting the State Pension, as long as they haven't upped the age you receive it to 80 by then.

If it wasn't for the tax relief and my employer matching my contributions then I doubt I'd bother and I'd look into other ways to support myself while I'm in retirement. What about you lads? What are your thoughts on pensions? In my opinion to have any form of decent retirement income you're at the mercy of your employer offering a good pension scheme.
503 posts and 20 images omitted. Expand all images.
>> No. 6836 Anonymous
16th January 2017
Monday 8:41 pm
6836 spacer
It costs just £34 to get £100 added to pension savings

If like most people you earn over £11,000 (and under £43,000) you pay basic 20% rate tax on all income above that, meaning for every £50 you earn you only take home £34 due to tax AND national insurance.

Yet pension savings, come from PRE-TAX salary, so putting £50 a month in your pension only reduces your pay packet by £34 (£29 for higher 40% rate taxpayers). Plus as often employers will match the £50 you put in, to get a total of £100 a month added to your pension, it only costs you £34. Over a year at this level of saving you’d pay £410 but your pension will have £1,200 added to it. That’s unbeatable.


Hang on, lads. If pension contributions come from your pre-tax salary then what's the point in salary sacrifice? I thought it was to save NI? My understanding is that you pay tax and NI on it and then you get tax relief to reimburse you for the tax paid, otherwise you'd be getting tax relief on something you hadn't paid tax on in the first place so the whole point of salary sacrifice is to save on NI whilst your employer also benefits from paying less NI.
>> No. 6837 Anonymous
17th January 2017
Tuesday 7:58 pm
6837 spacer
> If pension contributions come from your pre-tax salary then what's the point in salary sacrifice?

Some employers schemes do it before tax, some after. Salary sacrifice just means you're in the former category.
>> No. 6838 Anonymous
17th January 2017
Tuesday 8:36 pm
6838 spacer
Does that mean, for most people who aren't using salary sacrifice, The Mirror are talking out their arse?
>> No. 6839 Anonymous
17th January 2017
Tuesday 10:48 pm
6839 spacer
The mechanism is different but the result is the same(ish). Think Gift Aid. When you contribute post-tax, your pension provider claims tax relief at 20% from HMRC. A gross contribution of £100 or a net contribution of £80 will result in £100 in your pension pot, before matching.
>> No. 6855 Anonymous
20th January 2017
Friday 8:26 pm
6855 spacer
>Former Chancellor George Osborne is to augment his lucrative private sector income by taking a role with the world's biggest asset manager.

>Sky News has learnt that Mr Osborne is join‎ing the Blackrock Investment Institute as a senior adviser, his first such role since being sacked by Theresa May last summer. The new‎ role will effectively reunite Mr Osborne with his former top economic adviser, Rupert Harrison, who took on a senior position with Blackrock last year.

>It was unclear on Friday how much Mr Osborne is to be paid for the role, but one source said it would be "at least" hundreds of thousands of pounds annually.


The chief architects of pensions freedoms are both in the employ of BlackRock, a fund manager who will certainly have benefited from an increase in the number of people staying invested in their pensions rather than using them to purchase an annuity instead

>> No. 6840 Anonymous
18th January 2017
Wednesday 7:47 pm
6840 spacer
A long time ago, either 2010 or 2011, my overdraft reached something like £2k and my bank closed the account and asked for all the money back. Due to other issues (depression and attempted suicides), I got sectioned. I came out and got sectioned again, and never really held a "real job". I did odd jobs for cash-in-hand jobs (window cleaning, etc).

The bank and then some debt collectors have obviously been sending letters to my mum's house (where I used to live), and I was not really aware. Anyway, today a letter came around from the debt collectors at my current address, and they are still asking for the money. I wanted to call them up and tell them I can't really pay, but I can pay them something like a tenner a week or something. My room-mate convinced me that it is a scam and that they can't chase me for money after a certain amount of time.

I can't go to my mum's house to get the letters because of our relationship issues (I have not seen her since 2011, but I have spoken to her on the phone).

What should I do? Call up the debt collectors and offer a tenner or something? How long can they chase me? Forever? How did they even find my new address?
8 posts omitted. Expand all images.
>> No. 6849 Anonymous
19th January 2017
Thursday 2:10 am
6849 spacer
If, and only if, nobody takes you to court for it in time. How much you get out of it depends on how much attention said creditors pay to your credit score.
>> No. 6851 Anonymous
19th January 2017
Thursday 2:46 am
6851 spacer

Looks like my set of gold teeth are getting pushed back another year then.
>> No. 6852 Anonymous
19th January 2017
Thursday 10:23 am
6852 spacer
So I'm guessing OP's credit score is beyond shite now.
>> No. 6853 Anonymous
19th January 2017
Thursday 12:15 pm
6853 spacer

Probably. He should check it so he knows where he stands. As long as you're not bankrupt and don't have a huge string of CCJs, it's not terribly difficult to rebuild your credit history.

>> No. 6854 Anonymous
19th January 2017
Thursday 5:37 pm
6854 spacer

This. You are actually fine OP. I got into massive disputes with HSBC and Barclays, some years ago, eventually told them to go fuck themselves and then just ignored it. I've passed the threshold, and seen the black marks wiped of my record. Fuck 'em. Just don''t give them your address, and insure your mother is briefed to give them Jack shit should they come a'knokcing.

>> No. 6781 Anonymous
28th December 2016
Wednesday 11:17 pm
6781 spacer
Are there any genuinely wealthy people on .gs? I don't just mean a high paying job or flash car, but those who have assets, own multiple properties, are business owners, and so on.
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>> No. 6826 Anonymous
3rd January 2017
Tuesday 9:23 am
6826 spacer
>>6825 Negotiating rights as we speak.

Do you have to pay up front, or contract to hand over some part of your profits?
>> No. 6827 Anonymous
3rd January 2017
Tuesday 1:20 pm
6827 spacer

Erm..... I fucking well am.
>> No. 6828 Anonymous
3rd January 2017
Tuesday 5:27 pm
6828 spacer
>What the fuck would either of you know about uncontacted tribes? How exactly can reliable data be obtained about communities it is inherently impossible to live amongst?

Decades of research on tribes that do get contacted. Unless the fucking Tellytubbies are out there we can draw conclusions of certain norms. As for your next claim, of course certain tribes learn to be hostile to outsiders (e.g. Sentinelese) but it comes from violent contact with unsavoury types.
>> No. 6829 Anonymous
4th January 2017
Wednesday 9:57 am
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We shall see. Not as much of a drama as it might seem, but we are aiming for a big one, so fuck knows. I will keep thee posted.
>> No. 6830 Anonymous
4th January 2017
Wednesday 10:01 am
6830 spacer


>keep thee posted

Cheers Compo.

>> No. 6804 Anonymous
29th December 2016
Thursday 4:30 pm
6804 spacer
Hold on this is a bit weird, no? WTF is it with so many financial threads on here and also £$€¥ being blacked out on the menu bar???
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>> No. 6805 Anonymous
29th December 2016
Thursday 6:03 pm
6805 spacer
So you're asking why £$€¥ is blacked out while reading the economics board?
>> No. 6806 Anonymous
29th December 2016
Thursday 6:03 pm
6806 spacer

>> No. 6750 Anonymous
22nd December 2016
Thursday 2:10 pm
6750 Service notice on renting
So I am leaving my current house and don't have my landlord's address to hand (long story). I've always generally been able to reach him via text so I decided to serve him notice of me leaving by text yesterday. Now, I've had no reply from him since texting him. If I don't hear back and leave and he kicks up a stink, where would I stand legally?
24 posts omitted. Expand all images.
>> No. 6775 Anonymous
24th December 2016
Saturday 9:38 am
6775 spacer
>>6772 Why do you want to keep trolling this thread? I do kind of need some serious help at the moment with my landlord issues. Do grow up PAYG Lad.
>> No. 6776 Anonymous
24th December 2016
Saturday 9:54 am
6776 spacer
OP, do you know where the deposit is held?
If it is held in a protection scheme, contact them.
If it isn't held in a protection scheme, the landlord has no legal right to keep it from you, when you're ready to move out, just stop paying and contact the small claims court.
>> No. 6777 Anonymous
24th December 2016
Saturday 9:56 am
6777 spacer
Why are you making all this hassle over a simple phonecall? And stop trying to claim poverty, fucking 12 year olds have phone contracts these days they pay for themselves, topping up your phone is not beyond you.

>> No. 6778 Anonymous
24th December 2016
Saturday 10:45 am
6778 spacer
>Why are you making all this hassle over a simple phonecall?

Lest we forget ambulancelad and the lad who had a maasive teary because his mum asked him to ring up to order pizza takeaway.
>> No. 6780 Anonymous
24th December 2016
Saturday 12:21 pm
6780 spacer

To be fair to the lad, he does work in a call centre. That does tend to impart a rather Pavlovian aversion to talking on the phone. It took me about a year to rehabilitate.

Plus, if he was born anywhere post-95ish, the chances are he barely even remembers a time when phone calls were the norm rather than a nuisance.

>> No. 6733 Anonymous
26th November 2016
Saturday 6:01 pm
6733 Government Tax Details Site
This site allows you to see how much Tax/NI you have paid, what your state pension might be, and other interesting things.


It allowed me to discover that contribution-based JSA is taxable, and the DWP have seriously messed something up: they have yet to pay me a penny, despite having made my claim over two weeks ago, but this website thinks I have received 34 grand!
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>> No. 6734 Anonymous
26th November 2016
Saturday 6:12 pm
6734 spacer
They're (finally) getting quite clever about being online.
>> No. 6735 Anonymous
26th November 2016
Saturday 6:46 pm
6735 spacer
Well I've just found out I overpaid on tax and they sent me a £900 cheque I never received. I owe you a pint OP
>> No. 6736 Anonymous
26th November 2016
Saturday 7:40 pm
6736 spacer
>This site allows you to see how much Tax/NI you have paid, what your state pension might be, and other interesting things.
What's the catch? There's always a catch.
>> No. 6737 Anonymous
26th November 2016
Saturday 7:51 pm
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>You’ve tried to confirm your identity too many times [once]

>You can try again in 7 days.

And I had my credit file open so that I could give the correct answers.

>> No. 6716 Anonymous
23rd November 2016
Wednesday 8:20 pm
6716 spacer
So I have £1.03 on a prepaid card to use before it expires at the end of next month. Do you have any suggestions for something cool or interesting?
11 posts omitted. Expand all images.
>> No. 6728 Anonymous
23rd November 2016
Wednesday 11:14 pm
6728 spacer

They use IP-based targeting.

>> No. 6729 Anonymous
23rd November 2016
Wednesday 11:27 pm
6729 spacer

Here, purge your awful search history with some bunting, a telescopic buttscratcher and a menstrual cup.

It's amazing what you can get for exactly £1.03.

>> No. 6730 Anonymous
24th November 2016
Thursday 10:11 pm
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Donate it to charity: http://www.investinme.org
>> No. 6731 Anonymous
25th November 2016
Friday 4:20 am
6731 spacer

Seems legit. All payments to ME. Like when Alan B'stard had his charity payments paid in cheque to C A S H.
>> No. 6732 Anonymous
26th November 2016
Saturday 3:56 pm
6732 spacer

>> No. 6710 Anonymous
3rd November 2016
Thursday 11:20 am
6710 Bank fuckeries
I bank with RBS, I had telephone and digital banking but it was cancelled because my account was compromised. I think I used a questionable internet cafe a couple of years ago. Since then, I've tried to set up digital banking again every time I've called the bank, because if you don't have it they have to run through a series of questions, so the offer to return to the service would come up every time. They'd send out the activation code, and it would never arrive. This happened at least 15 times, probably 20+, over the two years. I was on the phone to the bank yesterday, and the guy I spoke to sounded like he knew it was a fair fuck-up on their behalf, spoke to the manager and they sent me an email to reactivate my digital banking.

I'm wondering if I deserve to be compensated for this? There was a note on the system about, which this guy seemed to recognise as a significant error, but no one else has, for two years. I've had to use friends bank accounts and travel to the bank every time I need to make a transfer. I'm not usually one to take this path, but thinking back on it, it has been pretty annoying, and it has cost me money which I wouldn't have spent otherwise. I was just going to ring the bank, but I'm not sure what to say to them. Friends have received compensation from the bank for similar, relatively minor mistakes on the banks part. What do you lads think?
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>> No. 6711 Anonymous
3rd November 2016
Thursday 9:01 pm
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RBS, man they are cunts. I don't have any better advice for you, sorry.
>> No. 6712 Anonymous
4th November 2016
Friday 2:07 am
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You don't ask, you don't get. Figure out how many hours you spent dealing with their cockup, multiply it by your hourly wage, then send that calculation in a letter to RBS asking them to reimburse your costs.
>> No. 6713 Anonymous
4th November 2016
Friday 2:10 am
6713 spacer
Gees a bailout guvna
>> No. 6714 Anonymous
4th November 2016
Friday 11:55 pm
6714 spacer
>Friends have received compensation from the bank for similar, relatively minor mistakes on the banks part
Really? I've never heard of anything like this. Does it work with other companies? I ask because I've had a very similar situation with BT.
>> No. 6715 Anonymous
5th November 2016
Saturday 1:45 am
6715 spacer
BT are absolute cunts, and getting anything out of them is like getting blood out of a stone. They left my nan without a phone line for around a week (she has a panic button installed), then got arsey with me when I tried to sort it out on her behalf (what with her being old and me being the family's awkward git). During this time she suffered a minor fall and missed word of her sister's passing. Apparently BT didn't think to offer anything of their own initiative, and when I prompted them they thought £60, in the form of a fiver off her line rental for a year, ought to cover it.

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