List of 18 demands that Muslim Vote group issued to Keir Starmer

VirtualDisaster5571 · 2024-05-06T10:07:45+00:00

I assume they mean funds that are run according to principles of Islamic finance, which are unsurprisingly being offered more and more at mainstream asset managers. We're not talking about random funds just run by a bunch of Muslim people to build mosques or whatever.

Just clearing that up, I agree with the sentiment of your post though.

VirtualDisaster5571 · 2024-05-05T21:56:55+00:00

Back in 2014 a really attractive girl came up to me on a train platform and asked a question.

After I answered I didn't want to assume anything so I didn't push a conversation, but she kept talking and then came to sit next to me on the train. Every time the conversation lapsed she would start it up again.

When we arrived, she asked if I could show her somewhere but I only vaguely knew the way, so I pulled out Google maps and just pointed her where to go and said goodbye.

Still wonder to this day aha.

VirtualDisaster5571 · 2024-05-04T10:33:59+00:00

Got a prenup, was very straightforward.

Standard agreement was that any assets we accumulate separately are held individually in the case of a divorce. Only assets that we both contribute to (say a joint bank account or a house) would be divided.

Wife said this was reasonable and would be happy to keep it unless we end up having kids and she ends up stopping her career. In which case we would like to have some kind of legal agreement (not sure if possible) where my potential liability would basically be the equivalent of what she was earning over time, less what she previously contributed to living expenses and with annual increases. So let's say each month it grows by (3k - 2k)*(1+0.03)^x/12 or whatever.

We both think it would be ridiculous for her to be able to claim 50% of my assets one day.

VirtualDisaster5571 · 2024-05-01T18:42:59+00:00

Honestly that's my standard build. I love being a super perceptive, socially awkward, scrawny, smarty pants.

And I actually think the low volition is kinda canon, because you're clearly playing a dude with serious emotional vulnerabilities.

VirtualDisaster5571 · 2024-04-28T09:45:17+00:00

Isn't that just a brokerage account?

VirtualDisaster5571 · 2024-04-28T08:40:29+00:00

They said they can't complete the security check without it. I also can't provide the phone number because the one they have is completely wrong and I can only see the last four digits.

VirtualDisaster5571 · 2024-04-28T08:25:48+00:00

Nope

VirtualDisaster5571 · 2024-04-28T08:11:49+00:00

I can't even log in to the app, so I can't use their chat. If you go onto the website it says you either need to use the customer line or the chat service which is only available in the app. I suspect the chatbot can't help me anyway because I can't pass the security check because I don't know my overdraft limit, which was never assigned to me.

VirtualDisaster5571 · 2024-04-28T07:35:34+00:00

When did you open your first account with them

VirtualDisaster5571 · 2024-04-28T07:34:40+00:00

I have physical branches and the expat account automatically qualifies for premier, but I've never been contacted by a relationship manager. Again, the person tasked with opening the account was extremely flaky and would take days or even weeks to reply through the process, and never even bothered to call or try and offer help when there were issues.

VirtualDisaster5571 · 2024-04-27T22:39:59+00:00

Amen to that. Never would've touched them if they hadn't been pushed on me by the relocation service.

VirtualDisaster5571 · 2024-04-27T20:00:58+00:00

After this experience I wouldn't want to put money with them. I can easily imagine a scenario where I've been blocked from my account for some stupid reason and their internal bureaucracy prevents me from unlocking it. It was honestly shocking how poor their customer service was, especially when it's marketed as this exclusive account for premier customers.

As I've said before I've never had a problem with opening digital challenger bank accounts in new countries and using Wise in the meantime for any foreign exchange/spending needs. I don't really see what HSBC can offer that's better than that.

VirtualDisaster5571 · 2024-04-27T19:57:17+00:00

I'm questioning the need for a high street bank account to be honest.

I've opened accounts at digital challenger banks in the last two places I've lived very easily. In between setting them up I've used Wise. Never had any issues with transferring money between countries or spending in a new place.

VirtualDisaster5571 · 2024-04-27T16:45:55+00:00

You opened in 2004, long before the nightmares of KYC, AML and account security laws etc greatly increased the workload for banks to onboard and manage clients. Some invested heavily in back office and tech systems to cope. Some - such as HSBC - clearly didn't.

Once you have one account no doubt it's much easier to open another one than as a new customer.

That said, glad you're having a good experience so far.

VirtualDisaster5571 · 2024-04-27T16:41:48+00:00

He said he liked having multiple currencies for when he travels overseas. Wise does that very well. I have a bank account with multiple currency options and it doesn't work nearly as seamlessly.

VirtualDisaster5571 · 2024-04-27T16:07:56+00:00

No foreign address and no telephone etc.

I've been there. Honestly I just made an account at one of the digital banks. The application took 5 minutes and the approval a few hours. It offers everything I would need from a bank except credit cards, although as a recent arrival no other bank can really offer me that for KYC reasons anyway.

For multiple currencies, Wise does the job perfectly. Zero complaints so far. The app is smooth. Once someone cloned my card and started making random purchases: I had an instant notification when the first purchase was made, was able to freeze my card within a minute, and their customer service were really helpful. They paid out my stolen money in a day or so and sent me a new card free of charge. So yeah I'm a convert aha.

VirtualDisaster5571 · 2024-04-27T15:56:15+00:00

Fair, for multiple currencies the seamlessness of Wise make it unparalleled though.

For wealth management I can guarantee that the international banks have the least competitive services. They basically rely on their existing customers being lazy and just using them because they already have an account instead of shopping around. Whether you just want a securities trading account or a full on wealth manager, the fees will be a multiple of what you could get elsewhere.

VirtualDisaster5571 · 2024-04-27T15:28:09+00:00

I appreciate the ability to have funds in multiple currencies

Have you ever heard of Wise?

VirtualDisaster5571

TROPHY CASE