>>6883

Only if your are investing in coke.

>>6883
Surely it'd be better than not investing it. Assuming the money would otherwise be wasted or go unused.

>>6885
In the real world that's not really a safe assumption.

>>6886
Why?

>>6887
You mean why might money not be wasted or unused? Emergencies? Short term savings? Any number of discretionary channels?

>>6863
>What do you mean brick makers are struggling? House prices have never been higher!

>>6864
You're going to have to explain this one to me, lad.

>>6865

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.

>>6867
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 It hasn't been retracted yet but there's nothing new as far as I'm aware.

>>6868
I think they did a round not long after the EU Referendum vote.

>>6847
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.

>>6848>>6849

Looks like my set of gold teeth are getting pushed back another year then.

>>6848
So I'm guessing OP's credit score is beyond shite now.

>>6852

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.

http://www.moneysavingexpert.com/loans/check-free-credit-report

>>6853

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.

>>6812

Erm..... I fucking well am.

>>6824
>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.

>>6826

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.

>>6829

>keep thee posted

Cheers Compo.

>>6829

Did you get your film made, lad?

>>6804
So you're asking why £$€¥ is blacked out while reading the economics board?

>>>/shed/

>>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.

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.

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.

Childish.

>>6777
>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.

>>6777

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.

>>6733
They're (finally) getting quite clever about being online.

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

>>6733
>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.

>>6734
>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.

>>6727

They use IP-based targeting.

THERE'S NO ESCAPE FROM THE BUTTPLUG RECOMMENDATIONS.

>>6727

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.

https://www.aliexpress.com/item/Floral-Print-3-Meter-Birthday-cartoon-pennants-Paper-Flag-Party-Decoration-Banner-Bunting-Children-kids-Garden/32686234295.html
https://www.aliexpress.com/item/Useful-Telescopic-Portable-Extendable-Metal-Back-Scratcher-Massager-Handle-Tool/32499789360.html
https://www.aliexpress.com/item/Useful-Soft-Cup-Silicone-Menstrual-Cup-Big-And-Small-Sizes-Three-Colors-Drop-worldwide-wide/32723347895.html

Donate it to charity: http://www.investinme.org

>>6730

Seems legit. All payments to ME. Like when Alan B'stard had his charity payments paid in cheque to C A S H.

WHAT DID YOU BUY?

>>6710
RBS, man they are cunts. I don't have any better advice for you, sorry.

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.

Gees a bailout guvna

>>6710
>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.

>>6714
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.

>>6703
That is a fairly substantial difference. I can't see how it would affect the pricing, but clearly it does, and the alternative is that you take a chance on surviving to renewal without needing to call upon it. That's for you to weigh up, and I'd probably try and get some proper advice on it.

>I assume I messed up putting the numbers in the comparison site

No, this was clearly a computer error. You remember triple checking those details when you filled the boxes out -you even told me about doing it at the time!

Its those damn computers, did you know that automated systems are totally unreliable but sorting out the mistakes is cheaper than hiring humans. Not that we can believe the cheap data entry students they use aren't also error prone.

>>6705
I can't tell if you're mocking me, in which case it would've backfired as the date that the comparison site had differed from that which the insurance company automatically generated anyway, or are suggesting what to say to them when they ring me back.

>>6706
I'm suggesting you never admit to anything.

>>6707
And yet those damn computers fucked up all the same.

From the last thread I thought the official .gs advice was to spend all your spare money on takeaway pizza, never put any away in savings, and always act really surprised when anything goes wrong - at which point you should borrow money on the highest interest rate you can find because All Debt Is Good.

>>6691
No, the conclusion was that All Debt Is Bad. You should never get into debt for anything whatsoever. If your fridge breaks down and you can't afford to replace it you should go without and you shouldn't buy a house unless you've got the requisite quarter-mill cash on hand immediately.

>>6692
Wouldn't house prices crash down to okay-ish levels if everyone suddenly started following what you stated?

>>6693
Define "okay-ish". They certainly wouldn't drop to the point where you could pick one up for a few months' salary. London wouldn't be affected, given how many foreign investors using property to launder their profits from crime and corruption are effectively cash buyers.

>>6694
Well, a few reasonable multiples of the average yearly salary.

To be blunt, you're not going to be able to access your pension for 35 years. They're planning on changing the way you can take your pensions later this year, well the tax position on the way in and the way out, so fuck knows what it'll be like then. There's no way it'll be the same.

Fuck me are pensions purposefully obfuscated so that nobody understands them ?

I only just started mine, paid in twice, for some reason my place of work puts in 100 pound a month and it all goes to some group called Blackrock who keep putting it in stocks.

I have no idea what the fuck is going on.

The rules are complicated and subject to change, but basically:

You can take up to 25% of the money as a cash lump sum and buy an annuity with the rest. An annuity is a bit like a reverse life insurance policy that pays out a fixed amount every month for the rest of your life.

The amount paid out by an annuity depends on the age at which you retire and your health. A £100,000 bought at age 65 currently gets you about £2,800 per year adjusted for inflation. That amount is likely to fall as life expectancies increase. Your million pound pension pot should provide a comfortable retirement, but it won't make you rich.

You can just take money from your pension fund (drawdown), but that's a risky strategy as you could run out of money.

https://www.moneyadviceservice.org.uk/en/articles/options-for-using-your-pension-pot

So I worked in the public sector for a year and got started on a cushy state pension. Now that I have left that position they've told me to transfer it. I have no idea what I'm doing. Though I read that if I join the public sector within 18 months I can go back onto the scheme.

Any advice? Besides go back into the public sector.

>>6475
Blackrock are fine and the two payments are probably your payment plus the top-up from work. It's normal.

>>6653
Also, there was something in the news about H2B ISAs and the government bonus only being available at the end of the property purchase, so it doesn't actually count towards the amount of your deposit. Something like that.

You may be better washing the money through a pension in your dad's name. If you get basic rate tax relief then that £1,000 is instantly grossed up to £1,250. You'd be eligible for 25% tax free, so that's £312.50. The remaining £937.50 would be taxable at your dad's marginal rate, so if his income is within the personal allowance that's the whole £1,250 tax free. If it'd all be subject to basic rate tax then that's £750 back from that portion, £1,062.50 in total. So it'd be worth doing if he isn't a taxpayer. Then you do it in your mum's name and that £1,250 gets grossed up to £1,562.50.

>>6645
£1000 is a good chunk of cash and putting it into a decent place is the right call if you can afford it. In the scheme of things, though, it's not much. Find an interest calculator (or learn to do it yourself) and try working out how long it would take to double the amount and you'll, in all likelihood, be quite disappointed quite quickly. The tone of your post, fortunately, shows you know this already. Your best bet for now is to park it somewhere that earns you above inflation and keep it as an emergency fund.

You can do yourself a favour though and learn how you could invest if you had more. Read up on the kinds of ISAs out there (cash, H2B, index) and the common conditions around them. If you have a couple of direct debits in your name, you play the account shuffling game (grab the sign-up bonus, cover minimum pay-in by shuffling money between accounts, have enough DDs to cover minimum reqs, e.g. by giving £1/month to a charity etc.) . MoneySavingExpert is a solid resource to get started and branch out from once you get past the odd lingo.

Bear in mind that the level of care you currently provide (live-in full time carer) is easily in the four figures/month if you had to pay someone else to do it, so unless you really can't or don't want to handle it any more you're doing a great thing for your family. The "don't want to" part was not a throw-away phrase, by the way: it's commendable what you do, but don't put the needs of others so far above your own that you drown.

Some of the best stuff you can do with small quantities of money currently is just bog standard current accounts. First Direct offer a switching bonus plus a 6% savings account.

If you're still a student or graduate your best bet is to open a variety of bank accounts for future use.

>>6645
Looks like "green" from oak furniture land

>>6657
nah, Green's a shortarse.

Just get a job lad.

>>6638
There is always that.

You'll still be eligible for benefits with £10,000 in savings, they'll just reduce your payments by £16 a week. The reduction is £1 per £250 over the threshold.

Be careful about trying to conceal the savings, because they can prosecute you for fraud. JobCentre staff are looking for any excuse, because they've got targets to meet.

If your parents gave you the money in cash, then I'd suggest just stashing it under the bed. If they made a bank transfer, I'd gradually withdraw the money in dribs and drabs rather than taking it out as one lump sum. Think up plausible excuses for spending the money in case you're challenged about it.

Taking it out in one go won't help; they'll say that you "deliberately deprived yourself of capital" and reduce your benefit as if you still had the money. The burden of proof is on you to show that you spent the money legitimately, not on the Jobcentre to show that you've hidden the money.

You can see the full rules at the link below, if you fancy wading through 191 pages of bumf:

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/470848/dmgch29.pdf

That's why you save money you knobhead.

>>6630

>>6632
In my experience this never happens. Touch wood, etc. I've made six figure sums disappear from right under the eyes of the benefits lot.

Your best bet is to put the money in an account of someone you know who works, or even better create a trustee account for a child and stash the cash there. Not even HMRC can take money out of a child's trustee account.

If you can't do that for whatever reason then as >>6637 suggests either buy gold (or better yet, silver) or just withdraw the cash and stash it in a safety deposit box or whatever.

The benefits savings policy is one of my pet hates, it basically incentivises those on benefits to fritter money away rather than save it, and it penalises the assiduous worker who diligently saves up rather than pissing their paycheque up the wall when he is inevitably laid off. Unemployment benefit in this country needs a completely rehaul.