jontyab
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Post by jontyab on Aug 30, 2023 11:57:13 GMT
From today NS&I Guaranteed Income Bonds are 6.20% AER, fixed for 1 year. www.nsandi.com/products/guaranteed-income-bondsEdit: Heh, revisiting the first post Taking NS&i as the previous best instant access. Just been bettered. Skipton BS 1.2% incl fixed 0.5% bonus for 12mths ✔️ (1) £1/£1m Online £85,000 NS&I Income Bonds 1.16% (2) ✔️ (min £500) £500/£1m (3) Online Backed by HM Treasury Kinda hoping this may be the start of interest climbing up.
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jontyab
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Post by jontyab on Jun 28, 2023 14:14:29 GMT
Tandem 1/2/3 year fixes have all been bumped to 5.85% AER
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jontyab
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Post by jontyab on Jun 26, 2023 22:08:46 GMT
My investment with HC was very small, but successful. Likewise - to say nothing of their ridiculous 25% cashback promotion. I thought i'd gotten my XIRR calculation wrong!
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jontyab
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Post by jontyab on May 26, 2023 20:28:46 GMT
Well sure, any reactive tariff will have push and pull. Just as Agile Octopus or Octopus Tracker (same idea but rated day-by-day) prices will reduce weeks or months before conventional tariffs catch up, they can and do increase (although i'm not sure that's ever come close to £1) Scoff at the scheme if you like - I'm enjoying my cheap showers, and will just be dirty if the tables turn. Edit: Oh and octopus will let you switch tariffs pretty freely, so if you get cold feet you can be switched to a govt. price-capped tariff over night.
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jontyab
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Post by jontyab on May 26, 2023 20:16:01 GMT
I think people assume that there aren't deals available and it's not worth shopping around. I'm not on the price cap and I pay around 22p a kW for electric. Tomorrow I've got a few hours of free electric. How come? Presumably 'Agile Octopus'. Tracks day-ahead rates at 30 minute intervals (with some artificial fiddling early evening) These are my rates for the next day: mysmartenergy.uk/images/recent4N.pngThis is the first drop to zero i've seen in months (Image is regenerated over time so viewers from the future may may not see it!)
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jontyab
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Post by jontyab on May 10, 2023 13:07:58 GMT
The seller shot themselves in the foot - if they hadn't said anything I suspect that'd be the end of it. If you like you could raise a 'not as described' claim and see what happens. Buyer might offer a return (at their expense), or partial refund.
Doubt you'd have to provide much in the way of proof - a photo of some fur would be enough for ebay - as above they bias disputes towards buyers.
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jontyab
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Post by jontyab on Apr 28, 2023 15:25:56 GMT
Faster payments from 'S CROOKS & M SHAW', with reference 'COLLATERAL'.
No idea what the payment comprises - but it happens to be about 13% of my exposure.
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jontyab
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Post by jontyab on Apr 22, 2023 21:11:47 GMT
is that actually a serious question ? Have you just discovered this ? (and anyway I thought everywhere the domestic tariff was 34p / kwh, give or take a tiny smidgeon (depending on what small variation in the supply charge is allowed). being an obvious expert... why does it cost 50% more to supply electricity to my business than it does to supply electricity to my home ?. important edit...... ? Of course It doesn't cost more to supply to business, however domestic power is subsidised e.g.: www.gov.uk/government/publications/energy-bills-support/energy-bills-support-factsheet-8-september-2022Edit - the EPG may not be the only subsidy at play making up that specific difference in tariff rates
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jontyab
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Post by jontyab on Feb 13, 2023 15:44:05 GMT
Not sure if they all work the same way. OE start at t-4 for 3 hours you total your consumption in those 3 hours then 1/6 of that is your average per 1/2 hour period. lets say you use 6kWh over the 3 hours then your 1/2 hour period target is 1kW. so if you use 0 you get credit for the 1kW on a 1 hour session the maths is 6kWh @ 40p £2.40 return if you use 0 is £2.20 * 2 £4.40 a profit of £2. of course with GCH and no EV I'm very much small fry compared to those with 3 Phase supplies, an EV or 2 and a heat pump etc Their terms appear to indicate otherwise: > We will calculate your Baseline using the BSC P376 ‘Utilising a Baseline Methodology to set Physical Notifications’ with an in-day adjustment for domestic customers, and without an in-day adjustment for business customers. This methodology looks at up to 10 days of your recent smart meter history, excluding days where a Session has taken place, to calculate your average consumption. I'd think this chosen deliberately to avoid the short term exploitation you describe. .. Or 'with an in-day adjustment for domestic customers' may well just be your 3 hour window. No idea!
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jontyab
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Post by jontyab on Jan 19, 2023 13:34:48 GMT
Was doing it few years back.. not really free money because it will impact credit score if doing that too frequent.. I might think you could minimise the impact on credit history by not requesting credit (an overdraft!), but I can't say I paid much attention to my credit scores the last time I did the CASS rounds.
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jontyab
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Post by jontyab on Aug 8, 2022 18:21:49 GMT
Edit: thinking more about it, it is probably easier to open an extra account and hopefully there will be a switch option during the application. Alright I've had a dig and done exactly this to avoid a branch visit. www.santander.co.uk/personal/support/current-accounts/switchingExpand "How to switch": I applied from the Everyday Current Account intro page without even having logged in first: www.santander.co.uk/personal/current-accounts/everyday-current-accountHad an account number and sort code in <5 minutes, and was prompted for switch details during the form-filling. The new account shows in the Santander app and online banking immediately alongside my existing account. I'll maybe condense the two eventually, or use it in another switch offer one day
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jontyab
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Post by jontyab on Aug 8, 2022 14:32:14 GMT
Santander now offers £160 for switching, instant account for returning customers, better deal than natwest £125 switch offer in 2020. £2 a month “maintenance” Thanks - Unusually this also applies when switching to existing santander accounts - however such a switch must apparently be applied for in a branch. Might be able to get around that by opening a new account instead of switching to my existing but that's a faff.
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Jul 19, 2022 17:20:45 GMT
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Jul 18, 2022 14:48:44 GMT
This doesn't really change my position or outlook on Ablrate - I welcome a lower cost wind-down as my remaining loans all appear to have very long tails.
About my only gripe is letting an unused chunk of flexible isa balance lapse this last april. Didn't feel worth the hassle to deposit cash to 'save' it with a transfer, but I would have done so if it were free!
I'm coming out positive even with a 100% loss on remaining capital - so overall pretty pleased and frankly glad to put another platform out of mind. Maybe in a years time I'll have a surprise balance.
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jontyab
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Post by jontyab on Dec 20, 2021 23:15:11 GMT
Nothing received from RSM for me, and I can't log in to the RSM portal by any methods using the old(?) password either. However if someone can post the pdf as an attachment I'll add it to the 'Significant updates thread'. There's nothing on the Lendy website, but I guess the report ought to appear at companies house at some point, although unsurprisingly not there yet. PM'd
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