zlb
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Numeos
Jan 13, 2019 9:45:22 GMT
Post by zlb on Jan 13, 2019 9:45:22 GMT
Hi, does anyone know what's happening with Numeos? they have info on website stating android app ready "January 18", when you click on it it just prompts registration to be alerted.
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
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Numeos
Jan 13, 2019 22:48:40 GMT
Post by Godanubis on Jan 13, 2019 22:48:40 GMT
Hi, does anyone know what's happening with Numeos? they have info on website stating android app ready "January 18", when you click on it it just prompts registration to be alerted. If I could find anything about it I might be able to help ?
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zlb
Member of DD Central
Posts: 1,422
Likes: 333
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Post by zlb on Jan 13, 2019 23:09:34 GMT
Hi, does anyone know what's happening with Numeos? they have info on website stating android app ready "January 18", when you click on it it just prompts registration to be alerted. If I could find anything about it I might be able to help ? yeah, it's not exactly sorted out its own SEO possibly because it's not open. It would help if anyone with the Apple app came forward and said whether it was up and running. numeos.co.uk
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
Posts: 2,011
Likes: 1,013
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Numeos
Jan 13, 2019 23:48:35 GMT
Post by Godanubis on Jan 13, 2019 23:48:35 GMT
If I could find anything about it I might be able to help ? yeah, it's not exactly sorted out its own SEO possibly because it's not open. It would help if anyone with the Apple app came forward and said whether it was up and running. numeos.co.ukThanks Rate way too low for my concideration but thanks anyway.
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zlb
Member of DD Central
Posts: 1,422
Likes: 333
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Numeos
Jan 14, 2019 8:47:29 GMT
Post by zlb on Jan 14, 2019 8:47:29 GMT
yeah, it's not exactly sorted out its own SEO possibly because it's not open. It would help if anyone with the Apple app came forward and said whether it was up and running. numeos.co.ukThanks Rate way too low for my concideration but thanks anyway. Yes, it's fscs protected - it's appropriate to context of 'where do I put the money I don't want to risk in p2p...
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
Posts: 2,011
Likes: 1,013
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Numeos
Jan 14, 2019 15:52:42 GMT
Post by Godanubis on Jan 14, 2019 15:52:42 GMT
Thanks Rate way too low for my concideration but thanks anyway. Yes, it's fscs protected - it's appropriate to context of 'where do I put the money I don't want to risk in p2p... Depending on the amounts dabble a little in the best P2P (Welendus) you should get 5 times at least ISA returns. If you want 100% guaranteed FCA covered returns then the multiple current accounts route should give you 5% on up to £10000 M&S works out at 18% on £1000 . Check out money supermarket and similar comparison web sites. You should easily make good returns by having £1000 to cycle through your accounts to meet minimum criteria. Swap your utilities to Bulb or pure planet and invite your friends at £25-£100 a time and they will save money. Never buy without a voucher 10% off is 10% tax free Always check Quidco or Top cash back. When shopping always compare price/kilo . 1%-10% saving here and there is the same as having it invested. EVERY penny saved adds to your overall savings. Try it for a month check what you would have paid over what you actually did pay. Every % saved is the same as earning interest. £10 saved on a £100 item is the equivalent of having that £100 invested at 10% for the year. Stick that tenner in Welendus and you will have another £1 by the end of the year effectively all free money. I look on it as a game trying to make as much “Free money” as possible. If you take the holistic view of savings and not just stick to investing your returns will be higher and immediate. Like a diet if you notice the returns immediately you are encouraged to continue. Saving for profit is a rewarding life style change with just a little effort. I wish you and anyone else that tries this out good fortune as it is not luck. Come back in a month and tell us how you made out. P.S just off to cook a nice Tbone Steak I bought at 70% off 
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Post by Ace on Jan 14, 2019 18:09:11 GMT
I like Welendus too, but it's not really relevant in a discussion on FSCS protected accounts. At the end of the day, it's fairly high risk unsecured landing, albeit with PF buffer.
Not sure I fancy 30% of a T-bone steak either, that's taking penny pinching too far 😆
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zlb
Member of DD Central
Posts: 1,422
Likes: 333
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Numeos
Jan 14, 2019 19:31:12 GMT
via mobile
Post by zlb on Jan 14, 2019 19:31:12 GMT
Yes, it's fscs protected - it's appropriate to context of 'where do I put the money I don't want to risk in p2p... Depending on the amounts dabble a little in the best P2P (Welendus) you should get 5 times at least ISA returns. If you want 100% guaranteed FCA covered returns then the multiple current accounts route should give you 5% on up to £10000 M&S works out at 18% on £1000 . Check out money supermarket and similar comparison web sites. You should easily make good returns by having £1000 to cycle through your accounts to meet minimum criteria. Swap your utilities to Bulb or pure planet and invite your friends at £25-£100 a time and they will save money. Never buy without a voucher 10% off is 10% tax free Always check Quidco or Top cash back. When shopping always compare price/kilo . 1%-10% saving here and there is the same as having it invested. EVERY penny saved adds to your overall savings. Try it for a month check what you would have paid over what you actually did pay. Every % saved is the same as earning interest. £10 saved on a £100 item is the equivalent of having that £100 invested at 10% for the year. Stick that tenner in Welendus and you will have another £1 by the end of the year effectively all free money. I look on it as a game trying to make as much “Free money” as possible. If you take the holistic view of savings and not just stick to investing your returns will be higher and immediate. Like a diet if you notice the returns immediately you are encouraged to continue. Saving for profit is a rewarding life style change with just a little effort. I wish you and anyone else that tries this out good fortune as it is not luck. Come back in a month and tell us how you made out. P.S just off to cook a nice Tbone Steak I bought at 70% off thank you! You'll have seen my name on welendus threads though. I can tell you're not vegetarian... Guess how  so how many current accounts are you juggling, if you're prepared to share. No worries if not.
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
Posts: 2,011
Likes: 1,013
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Numeos
Jan 14, 2019 23:49:15 GMT
zlb likes this
Post by Godanubis on Jan 14, 2019 23:49:15 GMT
Depending on the amounts dabble a little in the best P2P (Welendus) you should get 5 times at least ISA returns. If you want 100% guaranteed FCA covered returns then the multiple current accounts route should give you 5% on up to £10000 M&S works out at 18% on £1000 . Check out money supermarket and similar comparison web sites. You should easily make good returns by having £1000 to cycle through your accounts to meet minimum criteria. Swap your utilities to Bulb or pure planet and invite your friends at £25-£100 a time and they will save money. Never buy without a voucher 10% off is 10% tax free Always check Quidco or Top cash back. When shopping always compare price/kilo . 1%-10% saving here and there is the same as having it invested. EVERY penny saved adds to your overall savings. Try it for a month check what you would have paid over what you actually did pay. Every % saved is the same as earning interest. £10 saved on a £100 item is the equivalent of having that £100 invested at 10% for the year. Stick that tenner in Welendus and you will have another £1 by the end of the year effectively all free money. I look on it as a game trying to make as much “Free money” as possible. If you take the holistic view of savings and not just stick to investing your returns will be higher and immediate. Like a diet if you notice the returns immediately you are encouraged to continue. Saving for profit is a rewarding life style change with just a little effort. I wish you and anyone else that tries this out good fortune as it is not luck. Come back in a month and tell us how you made out. P.S just off to cook a nice Tbone Steak I bought at 70% off thank you! You'll have seen my name on welendus threads though. I can tell you're not vegetarian... Guess how so how many current accounts are you juggling, if you're prepared to share. No worries if not. No problem I’m the sharing type. Currently (no pun intended) I have just 3 Bank of Scotland vantage 1.5% up to £5000 plus discounts in stores up to 15% . TSB 5% up to £1500, M&S £120 + £5 a month for a year for switching. I would also suggest a Virgin Money credit card. It gives free entry to Virgin lounges in large cities and airports plus hundreds of cashback offers in store and online. Oh I forget as I’m now a deity of leisure, if currently can manage your budget and you get a pay rise immediately invest half of the rise to be taken on the day after payday say in M&S 5% regular saver. You will not miss that half of the rise but will notice the other half. A few months down the line you will see a reasonable amount saved even if just for a rainy day. Otherwise it will just get absorbed into daily spending and wasted.
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
Posts: 2,011
Likes: 1,013
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Numeos
Jan 14, 2019 23:51:02 GMT
Post by Godanubis on Jan 14, 2019 23:51:02 GMT
I like Welendus too, but it's not really relevant in a discussion on FSCS protected accounts. At the end of the day, it's fairly high risk unsecured landing, albeit with PF buffer. Not sure I fancy 30% of a T-bone steak either, that's taking penny pinching too far 😆 If only the money saved is invested ie. the free money there is no risk. What you didn’t have you won’t miss. As with half your pay rise 
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Post by Ace on Jan 15, 2019 0:32:58 GMT
I like Welendus too, but it's not really relevant in a discussion on FSCS protected accounts. At the end of the day, it's fairly high risk unsecured landing, albeit with PF buffer. Not sure I fancy 30% of a T-bone steak either, that's taking penny pinching too far 😆 If only the money saved is invested ie. the free money there is no risk. What you didn’t have you won’t miss. As with half your pay rise Fair point 😏. The good news is, as a reward for such omnipotence, I'm happy to reward you with the other half of my pay rise. The bad news is that I retired early and am not yet wrinkly enough to draw a pension, so the reward is half of diddly squat 😩
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
Posts: 2,011
Likes: 1,013
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Numeos
Jan 15, 2019 0:54:00 GMT
Ace likes this
Post by Godanubis on Jan 15, 2019 0:54:00 GMT
If only the money saved is invested ie. the free money there is no risk. What you didn’t have you won’t miss. As with half your pay rise Fair point 😏. The good news is, as a reward for such omnipotence, I'm happy to reward you with the other half of my pay rise. The bad news is that I retired early and am not yet wrinkly enough to draw a pension, so the reward is half of diddly squat 😩 Ditto I am not wrinkly but I am over 55 so can draw a pension if required . Service based workers can get their pensions in their 40’s so I wouldn’t expect you to be wrinkled from you were in that category . Taking a pension is ok but then you loose most of that SIPP free HMRC money a good few years to my state pension. Still working on getting it TAX free. I should just manage it
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Numeos
Jan 15, 2019 1:14:22 GMT
Post by Ace on Jan 15, 2019 1:14:22 GMT
Fair point 😏. The good news is, as a reward for such omnipotence, I'm happy to reward you with the other half of my pay rise. The bad news is that I retired early and am not yet wrinkly enough to draw a pension, so the reward is half of diddly squat 😩 Ditto I am not wrinkly but I am over 55 so can draw a pension if required . Service based workers can get their pensions in their 40’s so I wouldn’t expect you to be wrinkled from you were in that category . Taking a pension is ok but then you loose most of that SIPP free HMRC money a good few years to my state pension. Still working on getting it TAX free. I should just manage it Ditto indeed. It seems we are in petty much the same boat. Well... similar anyway. I suspect mine is more of a paddle board when compared to your super yacht. I really must look in to how the SIPP thing might help me reduce future tax. I am tempted to start drawing one of my pensions early, as it seems a no-brainer (relatively small reduction v the ability to draw it for several years extra), but hadn't realized it would affect potential SIPPs. Sorry OP, I seem to have wandered of topic. I'll go and search some pension forums tomorrow. Feel free to pm if anyone knows of a good site / idiot's guide.
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
Posts: 2,011
Likes: 1,013
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Numeos
Jan 15, 2019 2:10:59 GMT
Ace likes this
Post by Godanubis on Jan 15, 2019 2:10:59 GMT
Ditto I am not wrinkly but I am over 55 so can draw a pension if required . Service based workers can get their pensions in their 40’s so I wouldn’t expect you to be wrinkled from you were in that category . Taking a pension is ok but then you loose most of that SIPP free HMRC money a good few years to my state pension. Still working on getting it TAX free. I should just manage it Ditto indeed. It seems we are in petty much the same boat. Well... similar anyway. I suspect mine is more of a paddle board when compared to your super yacht. I really must look in to how the SIPP thing might help me reduce future tax. I am tempted to start drawing one of my pensions early, as it seems a no-brainer (relatively small reduction v the ability to draw it for several years extra), but hadn't realized it would affect potential SIPPs. Sorry OP, I seem to have wandered of topic. I'll go and search some pension forums tomorrow. Feel free to pm if anyone knows of a good site / idiot's guide. Withdrawal should be enough to keep in lower tax bracket. Invested well should make back the tax in 2years. Providing you have already crystallised your fund with 25% tax free withdrawal. If you then move to drawdown you are restricted to £4000 annual investment. In total including HMRC 25% contribution. Otherwise it is recycling and that is huge no no with massive penalties for you and Sipp provider. Another minefield with defined benefit and final salary pensions and appropriate advice. Withdrawing mine results in income at least Twice what pension would have been plus I have access to whole fund and can pass it on tax free. Good luck with your research I studied it for years to get most efficient use of fund.
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so how many current accounts are you juggling, if you're prepared to share. No worries if not. 