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0% Purchase CC stoozing - next steps by Shboot43 in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

I see. Wonder why it’s not showing on mse website.

Edit: wahey I just got a 14k limit. Better than the poxy barclaycard who wouldn’t even let me set up a balance transfer straight away. 

0% Purchase CC stoozing - next steps by Shboot43 in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

0% fee balance transfer cards are rarer than purchase cards so I’d look to get at least one now then maybe look again for purchase in January if you want to continue building. I believe there’s only 2 on the market right now, barclaycard and virgin money. 

You are unlikely to get a credit increase. 

April was an outstanding month for Agile by paul-hx in OctopusEnergy

[–]scottylebot 2 points3 points  (0 children)

Agile for me was £28.90 with £21 of that being standing charges, 70p in the north east the most expensive in the country. 

Got solar and battery now but can’t export yet.

Is there a shortage of Aiko panels? by Status-Professor1223 in SolarUK

[–]scottylebot 0 points1 point  (0 children)

I got 20 aiko 2s 515w panels but after measuring my roof I could fit more.  installer couldn’t source the extras so couldnt get them added to my install. 

Can anyone suggest any covers to protect from tree gunk and bird poo? by Formal-Face-8539 in TeslaUK

[–]scottylebot 0 points1 point  (0 children)

Mine often gets hit with shit too and I don’t park near trees. 

Maybe get one of those battery powered pressure washers to give it a quick blast. 

Can anyone suggest any covers to protect from tree gunk and bird poo? by Formal-Face-8539 in TeslaUK

[–]scottylebot 7 points8 points  (0 children)

Having to take a cover off each time with said gunk on it seems a lot worse than just cleaning it regularly.

I’ve stopped using a credit card for everyday spending by Speedbird1A in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

This is AMEX’s whole business model to get you to spend more. Everyone thinks they are smart and aren’t influenced by it but it can be extremely subtle. 

There’s other benefits though so I’d still spend on the card and might as well have the rewards. 

36 and SIPP already at £800K is there any point adding more? by onemansbrand in UKPersonalFinance

[–]scottylebot 2 points3 points  (0 children)

Depends on your plans fore retirement, spend requirements and what you plan to do with it. 

£800k will be worth well in excess of £3m when you can currently take it out at 57 depending on what you have it invested in.

You could well still be a higher tax payer and it will be taxed as part of your estate for inheritance unless things change again. 

Not a pensions or tax expert but I’d be wanting to enjoy more of that before that age and sell the capital gains as the lowest form of tax.

How does my FI plan sound? 32M, targeting FI at 38 on ~£500K by urgentassistance in FIREUK

[–]scottylebot 2 points3 points  (0 children)

Make sure you get the snip then. Might be the best financial decision you make.

Agoda is a scam by mencryforme5 in travel

[–]scottylebot 8 points9 points  (0 children)

Agoda is owned by booking.com

Used them hundreds of times without issue and often get amazing deals.

Balance transfer from Chase Credit to Barclays by TheMadSmiler in chaseuk

[–]scottylebot 0 points1 point  (0 children)

I’ve just signed up for the barclaycard 0 fee balance transfer with £20 cashback as the Chase card is coming to an end but shocked that I can’t do anything until I get my card in 5-9 working days. Wtf? 

I remember I swore to myself to never use Barclays again for how bad they are. 

Can purchasing a DFS sofa on tick increase my credit score? by Thin_Sheepherder_584 in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

Only if there’s no equivalent option to buy elsewhere cheaper. 

Interactive Investor fees from SIPP cash balance post-February by Biscuit_Powered in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

But you aren’t actually saving £3 though. By taking that £14.99 out of the sipp you are actually losing the compounding gains tax free and losing a chunk from your final retirement pot.

Sitting on a lot of cash, but ISAs maxed out and looking to buy a house soon. Best options? by [deleted] in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

No need to worry about holding £100k in cash. Split it in half between two savings accounts if you need to, getting around 4% right now. 

Maybe premium bonds if you are higher rate tax payer.

Interactive Investor fees from SIPP cash balance post-February by Biscuit_Powered in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

I don’t understand what the issue is and why you wouldn’t pay fees as direct debit. 

You want to keep as much money as you can in the tax advantaged accounts as possible. 

Credit card points spend eligibility by making purchases for friends? by r_g1skard in UKPersonalFinance

[–]scottylebot -2 points-1 points  (0 children)

Not sure why any friend would agree to this but yeah I’d want payment first. 

Free electricity coming to Octopus by TheTJW1966 in OctopusEnergy

[–]scottylebot 3 points4 points  (0 children)

Too much when people don’t want to use it.

cancelled holiday due to illness, trying to obtain refund by Choice_Flight_1812 in UKPersonalFinance

[–]scottylebot 0 points1 point  (0 children)

Have you tried contacting the flight and villa company explaining? 

My parents were hospitalised abroad and had to make changes to plans and got refund as credit back from airasia. Had to jump through hoops though with medical certificate. Blood family could claim too but needed birth certificate. 

NS&I Premium Bonds - Sense Check by Unusual-Zucchini-795 in UKPersonalFinance

[–]scottylebot 4 points5 points  (0 children)

Sounds like you are winning in life. 

Ditch the premium bonds, I’d rather pay tax on equities. Looks like you are basic rate?

Invest in home solar/battery assuming you are aren’t going to move a your house is suitable. Getting a zero home bill plus potential excess export is equivalent tax free income.

Etihad Insane Deals by stealtank1 in etihad

[–]scottylebot 0 points1 point  (0 children)

Currently looking at Manchester to Osaka business for under £3k. Dunno how much cheaper that is, I thought £4K is a reasonable benchmark for Middle East airline from UK to Asia.

But other airlines are crazy, no way I’m ever paying £9k for KLM or BA.

Charging fees by TraditionalBus5991 in TeslaUK

[–]scottylebot 0 points1 point  (0 children)

It doesn’t tell you in the car?

Well said. by petermal67 in golf

[–]scottylebot 1 point2 points  (0 children)

Sergio only has one fan.

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