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>> No. 3223 Anonymous
18th February 2013
Monday 7:58 pm
3223 Bitcoins
Have any of you bought Bitcoins or spoken to anybody that has?

The underlying principle of removing the role of the banking industry from transactions (or at least limiting its influence) seems noble but it stinks of a giant scam IMO.
606 posts and 26 images omitted. Expand all images.
>> No. 7179 Anonymous
30th September 2017
Saturday 3:06 am
7179 spacer
I want to buy an overpriced house to rent out to poor people.
>> No. 7180 Anonymous
30th September 2017
Saturday 3:07 am
7180 spacer
Do they need your passport and 12 years worthy of details?
>> No. 7181 Anonymous
30th September 2017
Saturday 1:47 pm
7181 spacer

Only if you want to go through the KYC kerfuffle and raise your buying limits significantly. If you just want to mess about a bit it's fairly anonymous, or was when I signed up. Just make sure you sign up with your real name, the same one as on your bank account, otherwise the vendors won't accept your payments.
>> No. 7185 Anonymous
24th October 2017
Tuesday 12:22 pm
7185 spacer
I missed the Bitcoin Gold cut off with my BTC sitting in Coinbase. Sad times.
>> No. 7186 Anonymous
28th October 2017
Saturday 12:43 pm
7186 spacer
Segwit2X fork is coming up and has the potential to really fuck with things. Keep your bitcoin in your own wallet anyway, keeping them in Coinbase etc means they aren't your bitcoins - whoever controls the private key is the owner, regardless of what the site promises. (Gox is the obvious example but there are too many more to list.)

>> 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.
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>> No. 7076 Anonymous
19th July 2017
Wednesday 8:40 pm
7076 spacer
They'd still be unaffordable for many, especially bearing in mind they say the percentage you should be contributing to your pension is half your age plus a quarter of all salary increases.

What's getting a lot of coverage recently is a flexible State Pension age. The current State Pension age is 65 and the average male has a life expectancy of 21 years. If they have, say, a State Pension of £8,000 per annum that's £168,000 they'll be paid. If someone chooses to take it at age 60 instead then that £168,000 over 26 years is a reduced State Pension of £6,461 per annum.

It's not going to be enough to retire on, depending on their private provision, but could enable someone to cut down their hours or get a less stressful job.

Go on, lad. Explain how it is a literal Ponzi scheme.
>> No. 7078 Anonymous
19th July 2017
Wednesday 9:01 pm
7078 spacer
>unaffordable for many
Maybe the state pension shoudl subsidise it to an extent, but something's got to give. The universal state pensions days are limited.
>> No. 7079 Anonymous
19th July 2017
Wednesday 9:27 pm
7079 spacer
The wheels have been in motion with this for a number of years already.

Automatic enrolment into a company pension scheme has simply replaced the Additional State Pension/SERPS/State Second Pension which used to be on top of the basic State Pension. The only substantial difference is the onus has been shifted from the government to the individual.

People had the facility to opt out of the additional State Pensions, or it might have been compulsory as part of occupational pension scheme membership; those in final salary schemes would have an element of their pension known as guaranteed minimum pension and those in money purchase schemes would have DSS contracted out rebates paid in the following April. What the new State Pension has done, as a bit of an oversimplification, is move from having a basic amount with additional on top to having the additional amount already factored in with a deduction for periods of contracting out.

It's largely young people who will be hardest hit by this, as the additional pension they would have been able to accrue would almost certainly be considerably greater than the maximum available under the new system. However most people don't understand pensions and have little interest in doing so and the government have used levels of obfuscation about the new State Pension that even the most unscrupulous pension providers and financial advisers would think twice about so have been able to get away with greatly weakening the State Pension for future generations. Those close to State Pension age at the time were barely affected by this, in part due to being more likely to be contracted out at some point, so were unlikely to kick up a fuss whereas young people were unable to contract out so had the scope for accruing much higher additional pensions that has now effectively been capped.
>> No. 7080 Anonymous
19th July 2017
Wednesday 9:33 pm
7080 spacer
>Go on, lad. Explain how it is a literal Ponzi scheme.
A Ponzi scheme is one where the returns are paid from deposits. The State Pension is paid out from the same pot that taxpayers pay into. Of course, that it's technically true doesn't mean "pensions are a Ponzi scheme" isn't an utterly dumb thing to say.
>> No. 7184 Anonymous
9th October 2017
Monday 2:33 pm
7184 spacer

Savers may face a fresh raid on pensions as the cost of tax relief passed £50 billion for the first time.

Figures published by HM Revenue & Customs show that the total cost to the Treasury of tax relief on pension contributions jumped by more than 10 per cent last year as a record number of people saved for their old age. The tax break is now so expensive that abolishing it would allow the government to wipe out the budget deficit at a stroke, or halve the basic rate of income tax to 10p in the pound.

The £5.3 billion increase in the cost last year adds to the pressure on public finances resulting from expensive spending commitments made at the Conservative Party conference and the deteriorating economic outlook.

A source close to the Treasury said: “The cost of tax relief is only headed in one direction at the moment. There is widespread recognition that the cost trend needs to be reversed.”

Tax relief lets higher-rate taxpayers put £1 into their pension for every 60p they contribute, but basic-rate payers have to contribute 80p. More than two thirds of the value of the break goes to people who earn more than £45,000 a year, leading to accusations that it subsidises the wealthy. Almost five million higher and top-rate taxpayers benefit, by an average of about £5,000 a year.

The figures, buried in an HMRC document published last week, show that the relief costs the Treasury almost 50 per cent more than it did ten years ago, and has more than doubled since 2000. The increase reflects the success of the government’s automatic enrolment programme, in which workers without pensions are signed up to company schemes. Last year an extra one million people started saving for their retirement through auto-enrolment.

However, many in the Treasury question whether such a generous tax break is sustainable, particularly as the bill is likely to jump higher again in six and then 18 months’ time, when the minimum contributions for auto-enrolment pensions increase.

George Osborne ditched the idea of radical reform last year when he was chancellor but senior figures in Mr Hammond’s Treasury are understood to view the system as costly, and unfair on people with lower incomes. There is also disquiet that at least 70 per cent of the cost goes to members of final-salary pension schemes, who are usually older workers who already have very comfortable pensions.

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>> No. 7182 Anonymous
2nd October 2017
Monday 3:57 pm
7182 Personal development/study options going forward
Hullo britfa.gs been a while. I would be grateful for your bright ideas on how to get ahead in life and career. This is a bit /job/ and /uni/ too but fundamentally it all comes down to investing in myself so thought this board is the most relevant.

I've just finished my 3 year 'graduate programme' with my current employer and I think I have it in me to be good at all this business malarky - I have done stints in the marketing/communications and business development bits of the business and some other bits. However I studied an arts degree and training/development at my current firm is a joke. I want to go back to some kind of school and spend a while getting a firmer grip on how to be a productive manager and general 'doer' at work. I am envious of a housemate who did a full on financial management bachelors, who's now working his way up in a technology firm doing his CIMA.

Going back to uni and doing a Bachelors would seem way too OTT, so I looked at MBA programmes, particularly in the Netherlands (cheap fees and tuition is in English). However, those require you to have a relevant Bachelors, and good practice in statistics/analysis, which I don't. I would be happy to shell out for a short course, even something online, which could help.

I have about £11,000 in savings and legacies from deceased relatives that I can invest in my personal development. If I were to do a full time qualification I'd work part time to help pay bills. With something less full on I'd stick it out with my current employer.

Starting to feel a bit trapped here. Could any of you offer some tips on what kind of services I could turn to for advice, or what you would do in my situation?

Cheers lads.
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>> No. 7183 Anonymous
2nd October 2017
Monday 4:41 pm
7183 spacer
You don't need another degree. After a few years in the workplace professional experience/qualifications count for far more than a degree.

You don't need to do a finance degree in order to work in a finance department and study to be a chartered accountant via CIMA.

>> No. 7144 Anonymous
15th September 2017
Friday 5:31 pm
7144 spacer
If I have a decent amounts of USD sitting in a paypal account (roughly 2000), with the pound going back up, would it be the best for me to convert it all now?
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>> No. 7145 Anonymous
15th September 2017
Friday 5:42 pm
7145 spacer
Would you mind reposting without the NSFW?
>> No. 7146 Anonymous
15th September 2017
Friday 5:46 pm
7146 spacer
Sorry chap.
>> No. 7147 Anonymous
15th September 2017
Friday 7:23 pm
7147 spacer

questioning northerner.jpg
>> No. 7024 Anonymous
14th June 2017
Wednesday 2:18 am
7024 Should people with less than perfect language skills be trusted?
I can't quite come up with a satisfying answer to this. On the one hand, you'd expect someone you're potentially employing to carry out skilled work to at least be able to throw together a grammatically correct and properly spelled sentence in an email. On the other hand, a lot of skilled tradesmen and craftsmen, especially in niche fields, seem to be terrible at email but personable in real life, and their trade skills can make up for their poor communication skills. On yet another hand, can you really trust someone to carry out a job requiring attention to detail if they don't have the attention to detail to ensure their grammar and spelling are correct in their emails and letters to you?
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>> No. 7139 Anonymous
30th August 2017
Wednesday 11:19 pm
7139 spacer
>>7136 This is now getting off topic. Yes I want a nurse or whatever to document correctly, but as for whether they talk proper or can construct beautiful written pros is entirely redundant as to whether they are trust worthy or good at their job. I know shit doctors who can write a great letter and I know great doctors who write shit letters and I know which ones I prefer to work with.
>> No. 7140 Anonymous
31st August 2017
Thursday 12:52 am
7140 spacer
The one that writes great letters?
>> No. 7141 Anonymous
31st August 2017
Thursday 9:05 pm
7141 spacer

I think we've simply answered the question by now frankly. Depends on the job.

They don't have to be William Shakespeare, but I think the capability of at least a certain level of attention to detail and clarity is absolutely neccesarry in certain jobs.

I wouldn't expect grammatical competence from a bricklayer, unless he somehow misplaces his decimal place and accidently orders half a brick instead of 500.

Neither of these have much bearing specifically on how far I'd trust them or rate their competency; that's boiling it down far too much.
>> No. 7142 Anonymous
31st August 2017
Thursday 11:48 pm
7142 spacer
I used to collaborate in several past jobs with teams in Bangalore, the top tier investment bank was fine, they had clear diction. But the other company was just awful, I understood maybe 50% of what was said and had to piece it together. I had to find ways to get everything in emails because otherwise the ambiguity made my job undoable.
>> No. 7143 Anonymous
1st September 2017
Friday 2:40 am
7143 spacer

The number of international video/conference calls I'll been on where I've basically just zoned out and asked everyone to confirm all the action points via circular email is probably very close to 100%.

>> No. 7123 Anonymous
11th August 2017
Friday 2:20 pm
7123 UTF8 should be back
Which means the URL of this board should contain the right characters. Sorry about that chaps. Its working fine on the limited number of browsers I can test with, but please report in.
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>> No. 7124 Anonymous
11th August 2017
Friday 3:02 pm
7124 spacer
good stuff

>> No. 7091 Anonymous
27th July 2017
Thursday 7:42 am
7091 Tales of frugal regret.
Any good stories relating to when you/they should have just forked out that little bit extra?
20 posts omitted. Expand all images.
>> No. 7114 Anonymous
30th July 2017
Sunday 5:05 pm
7114 spacer
That's really not the case. Not that it matters, since it doesn't really impact on the cost. Spare parts and repairs don't magically cost more at MOT time. The tyres and brake pads won't be cheaper to fix earlier or more expensive to fix later. In the past, I've had to get £200 worth of welding done to get a 10yo through the MOT. No "anticipation" possible there.
>> No. 7115 Anonymous
30th July 2017
Sunday 5:23 pm
7115 spacer
>>7113 Well, yeah. I anticipated _something_ going wrong with my 140Kmile Astra. Changing everything that could possibly go wrong, though, would have been insanity. Suddenly, the wretched thing goes into spanner mode on first acceleration, and it ignores the throttle from then on - just sits at (smooth, healthy sounding, happy but powerless) idle. Toss. Can't even get it to admit error codes but pressing pedals before turning the key. Double-toss. Can't limp it to the garage on a 700rpm idle. Triple-toss.
>> No. 7116 Anonymous
30th July 2017
Sunday 6:37 pm
7116 spacer

Any whistling noises or air blowing from the engine? My first guess would be head gasket trouble. Though if your ECU was detecting that and putting it in limp mode it'd almost certainly be throwing up a code.
>> No. 7117 Anonymous
30th July 2017
Sunday 8:26 pm
7117 spacer
>>7116 Interwebz suggests MAF sensor, EGR clogged or turbo bollocksed.
There has been a light whistling noise on boost sometimes. I've been driving very gently for teh last month, trying to get 600 miles out of each tank, so I may have killed it by not ragging it - would be annoying if so.
Coolant is pristine-clean, and oil is normal-mucky, no sign of the two mixing. Head gasket would seem unlikely.
Anyway, not yet sure if I regret my purchase.
>> No. 7118 Anonymous
30th July 2017
Sunday 9:05 pm
7118 spacer

Even if you don't care about fixing it, it's always handy to have one of those bluetooth OBD sensors on hand. You can get a knockoff Chinese one for a fiver off ebay, and use it with Torque app on your phone to read the error codes.

>> No. 7057 Anonymous
18th July 2017
Tuesday 3:32 pm
7057 spacer
A friend of a friend who stayed with me for a while but has now left somehow accidentally got a credit card he ordered sent to my address.

Is it okay to hand it over to him or does this sound like it might be some sort of fraud where I'd be accountable for the debt?
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>> No. 7086 Anonymous
20th July 2017
Thursday 12:57 pm
7086 spacer

Stop shitmailing you lot.
>> No. 7087 Anonymous
20th July 2017
Thursday 9:07 pm
7087 spacer

Well, if it isn't the mailmaster general him/her/itself.
>> No. 7088 Anonymous
21st July 2017
Friday 12:44 pm
7088 spacer
Mailman Pat sounds like a transvestite performer rather than a loveable children's character.
>> No. 7089 Anonymous
21st July 2017
Friday 1:33 pm
7089 spacer
A she-post, of you will.
>> No. 7090 Anonymous
21st July 2017
Friday 3:06 pm
7090 spacer

The worst sort of tranny who simultaneously trolls Paul Joseph Watson's and Danny Dyer types. Torture Garden in the late 90's/early00's had tons of tnhem.

>> 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. 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
6873 spacer
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
6874 spacer
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. 7055 Anonymous
18th July 2017
Tuesday 12:47 pm
7055 spacer
This is probably relevant to this thread... How do I find a good accountant? Pick a reasonably priced one from google results and hope it works out?
>> No. 7056 Anonymous
18th July 2017
Tuesday 2:54 pm
7056 spacer

Personal recommendation. If you don't know any local businesspeople, get in touch with your local Chamber of Commerce. They will run free or cheap business networking and training events.


>> No. 7026 Anonymous
22nd June 2017
Thursday 2:50 pm
7026 spacer
Hello .gs,

I'm not sure if this is /emo/, /£$€¥/ or /job/ but I'm throwing my lot in here.

I've just moved into a situation for the first time in my life where I'll be able to make a start at making savings. I've just finished up with the university student life, and I've been lucky enough to land a job that pays a a pretty high salary (18.5k take-home, not including overtime). It's a job I can do well, and I can see myself putting at least 5 years into it.

The trouble is, I have no idea where to start when it comes to savings beyond immediately getting out of the student overdraft. I have no credit card debt or any other kind of debt beyond the overdraft, into which I am about 1.5k deep.

I don't know anything about investing and I don't expect to learn anything in-depth about it from an imageboard - instead I'm looking for anecdotal advice, stuff that's worked personally for people.


I have about ~£150-200 a week that I can save/invest after I clear my overdraft. What should I do with it?

Message too long. Click here to view the full text.
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>> No. 7050 Anonymous
26th June 2017
Monday 7:03 pm
7050 spacer
You're clearly not as middle class as you think.

What's wrong with Sandra?
>> No. 7051 Anonymous
26th June 2017
Monday 10:11 pm
7051 spacer
She won't stop sending me baby pictures I mean they're not even her babies I don't understand.
>> No. 7052 Anonymous
29th June 2017
Thursday 12:17 pm
7052 spacer
What's that supposed to mean? I though inherited wealth and education made me middle class, not being an entitled cunt about it.
>> No. 7053 Anonymous
29th June 2017
Thursday 5:11 pm
7053 spacer
If a dog is born in a stable it doesn't make it a horse. Money doesn't give you class, you filthy new money scum.
>> No. 7054 Anonymous
30th June 2017
Friday 3:13 am
7054 spacer

Going out and grafting hard to earn a bit of butty is what it's all about.
Nobody is entitled to anything apart from those that can't work for their butty.
Anyone taking a butty will be shot.

>> No. 7013 Anonymous
12th June 2017
Monday 11:36 am
7013 Lifetime ISA
These a good idea, boys?

The basics:
>18-39 to open one
>pay in anything upto £4k per tax year
>25% hmrc top up on payments in that year each april
>can pay in every year up to 50 years old
>can only withdraw the money with no penalty for a first time property buy or upon turning 60 years old
>25% penalty for withdrawing at any other time for any other purpose, effectively a 6.25% penalty on what you initially paid in
>counts towards your overall £20k a year isa allowance

I've been toying with the idea of starting to save seriously for buying a house but I've been unconvinced that it's the best investment for me. However, this makes it seem like it may be the best option now. I've got £4k to stick in one right now then I should be able to put £1-2k a year for the next few years too which should get me a decent deposit. I'm highly unlikely to need to take the money out for any reason so the penalties don't concern me, and even if I do the penalty is manageable.
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>> No. 7018 Anonymous
12th June 2017
Monday 7:20 pm
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Is there any reason to be concerned about the lack of providers? I've been looking at the Skipton product, I can't conceive of any reason to not go for it. I think they offer a 0.5% interest rate if I remember rightly, which is mostly irrelevant because the only reason anyone is doing it is for the government bonus. From what I understand, if I invest with Skipton, then more providers offer the Lifetime ISA in future, then I can freely transfer my balance with no penalty to another Lifetime ISA.
>> No. 7019 Anonymous
13th June 2017
Tuesday 5:37 pm
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If the take up rate is low then they're more likely to be pulled, be that by the FCA, the government or providers themselves.
>> No. 7020 Anonymous
13th June 2017
Tuesday 5:48 pm
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What would happen to my investments in that instance?
>> No. 7021 Anonymous
13th June 2017
Tuesday 5:50 pm
7021 spacer
You would lose 6% of it.
>> No. 7022 Anonymous
13th June 2017
Tuesday 6:43 pm
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I imagine they'd either let existing investors continue or stop them from contributing in future years but with everything built up so far preserved.

>> No. 7009 Anonymous
4th June 2017
Sunday 11:13 pm
7009 Online or High Street Estate Agents?
I'm looking to move house soon. I've got a mortgage on a little two up two down, looking to move to a three bedroom somewhere nearby.

My question is; how should I go about selling it? The options seem to be to sell it yourself (which I'm not going to be doing), to go with an online only estate agent, or to go with a high street estate agent.

On the face of it, it seems like the best option, money-wise, to go online-only (say, with purplebricks.com or something). You can arrange a fixed fee to be payed after the house is sold, generally it does work out cheaper. You do pay something like a grand and a half more with a high street estate agent (variable).

I can't escape the nagging suspicion, though, that you get more for your money with high street estate agents. I'd like to know that there's somewhere I could go to kick up a fuss if something goes wrong; I'd like someone to give people tours of the house when we're not in; I'd like someone who I can ring up and ask daft questions after because I don't know anything about selling a house and they know everything.

Has anyone else sold a house before? Did you do it with an online only or a high street estate agent? Have you done it the other way as well, before? Which is better? Do you wish you'd done it differently?

It seems like a small decision, but I can't really seem to pick one over the other. I need more input from real people to make a decision. Help is much appreciated.
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>> No. 7010 Anonymous
4th June 2017
Sunday 11:25 pm
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Most people look on Right Move so it doesn't really matter who you go with.
>> No. 7011 Anonymous
4th June 2017
Sunday 11:59 pm
7011 spacer

So right move aggregates listings from all major estate agents? Is the fit traffic from high street estate agents not worthy of consideration? How do you know most people search on right move?
>> No. 7012 Anonymous
5th June 2017
Monday 12:06 am
7012 spacer
>So right move aggregates listings from all major estate agents?
No, a lot of estate agents list their properties on Rightmove.

>> 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. 6945 Anonymous
26th April 2017
Wednesday 8:57 pm
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Not him but I always assumed setting one's wife, sister or daughter up in a no-customers tanning salon was the way to clear those cocaine thousands.
>> No. 6946 Anonymous
26th April 2017
Wednesday 9:03 pm
6946 spacer
My anecdotal evidence is that the reason Asian graduates are less likely to be employed is because they're freeloaders. If Daddy is a rich solicitor or doctor who regularly gives them money to fund their lifestyle then there's little motivation to stand on their own two feet.
>> No. 6947 Anonymous
26th April 2017
Wednesday 10:21 pm
6947 spacer
Alright bigot lad, then how do you explain how almost ALL uni educated minorities are more likely to be unemployed compared to their white counterparts? Do they all have rich doctor-teacher dads too?
>> No. 6967 Anonymous
17th May 2017
Wednesday 6:48 pm
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He turned out to be a lovely bloke. Moving next week.
If he was a godless bastard like me, I'd have left him a nice bottle of wine and my collection of takeaway menus, but given that he's of a Polar persuasion and already lives locally, that's not really helpful. The Mrs thinks flowers. That's not too weird, is it?
>> No. 6970 Anonymous
18th May 2017
Thursday 3:56 am
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Everyone likes a nice box of chocs. Unless they're lactose intolerant, but a truly multicultural society should have zero tolerance for intolerance. Or vegans, but fuck vegans.

>> No. 6948 Anonymous
12th May 2017
Friday 9:31 am
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Is it possible to set up a direct debit to a family member? And no I don't mean a standing order.
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>> No. 6963 Anonymous
14th May 2017
Sunday 3:22 pm
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Yes, you can get them. Many of them are reloadable, and some support contactless. The recipient hands over their details when they activate the card.

>> No. 6964 Anonymous
17th May 2017
Wednesday 5:10 pm
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Who's the target market for these? Are they just ersatz bank accounts for people who shouldn't be able to get bank accounts? How do the nice bank people explain this to the government?
>> No. 6965 Anonymous
17th May 2017
Wednesday 6:41 pm
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Wasn't the government keen on everyone having access to at least a basic bank account, regardless of their standing? Do these count?
>> No. 6968 Anonymous
17th May 2017
Wednesday 6:49 pm
6968 spacer
They're not banks.
>> No. 6969 Anonymous
17th May 2017
Wednesday 7:16 pm
6969 spacer
They're useful for situations where you might not trust the person using them, or the situation you're using them in.
For example some parents give them to teenage children for spending money, you can top it up with just however much you want them to have. They're good if you're travelling and are afraid of losing a card, there's less hassle than losing your main credit card. They're also useful for buying viagra from dodgy websites if you're into that sort of thing.

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