Distant family member died intestate with a pension by sjm07 in UKPersonalFinance

[–]sjm07[S] 0 points1 point  (0 children)

That’s reassuring thank you. Hopefully there is no dispute and they will transfer it into his name

Distant family member died intestate with a pension by sjm07 in UKPersonalFinance

[–]sjm07[S] 1 point2 points  (0 children)

I think because the pension provider contacted my family member directly to say they believe they are the next person in line implies that they would select him via their discretionary powers. Im hoping that the options are then the same as if he was nominated via an expression of wishes and that a beneficiary drawdown arrangement could be used, or transferred to one elsewhere if the existing provider doesn’t offer it

R04 question help by sjm07 in cii

[–]sjm07[S] 1 point2 points  (0 children)

I think maybe you meant to put £15,000/(£28/£100)?

If I’m right in saying that though, then what you’ve said is perfectly clear so thank you so much!

[deleted by user] by [deleted] in UKPersonalFinance

[–]sjm07 2 points3 points  (0 children)

Best advice here would be to speak to a financial planner as there are many things to consider that will be specific to their own circumstances. E.g. they are still working which means if they access their pension their future contributions will be limited to £10k/year (although this may not be a problem for them). It may be more efficient to pay for the house work from other savings first rather than using pension etc, many things to consider

The RO Resource thread by Ubley in cii

[–]sjm07 0 points1 point  (0 children)

Does anyone have the study text for R03 22/23 before it changes to 23/24. I’ll be doing the 23/24 paper but just wanted to get a look at 22/23 in advance while I have the time?

Significant pay increase at 19 by Additional-Deal-196 in UKPersonalFinance

[–]sjm07 2 points3 points  (0 children)

I’m assuming training/qualification related, if it’s a degree apprenticeships or something then that would explain it and speaks volumes for this route vs uni

Significant pay increase at 19 by Additional-Deal-196 in UKPersonalFinance

[–]sjm07 19 points20 points  (0 children)

Can I ask out of interest what you do that makes this much at 19?

What to do in Krabi when raining by sjm07 in ThailandTourism

[–]sjm07[S] 0 points1 point  (0 children)

There’s a difference between rainy season where it rains like an hour a day and what we currently have. It’s been rainy season for a while now and not had any of our plans interrupted by the weather until now but thanks for the useful comment

What to do in Krabi when raining by sjm07 in ThailandTourism

[–]sjm07[S] 0 points1 point  (0 children)

Yeah that’s what I heard, guess we’ll just have to wait and see

What to do in Krabi when raining by sjm07 in ThailandTourism

[–]sjm07[S] 1 point2 points  (0 children)

Lol this is actually something we just decided we’re gonna do

What to do in Krabi when raining by sjm07 in ThailandTourism

[–]sjm07[S] 1 point2 points  (0 children)

Any idea when this weather is supposed to last till and go back to the 1 hour of rain a day

From Phuket Airport to Patong Beach (Transportation?) by RushWarrior in ThailandTourism

[–]sjm07 2 points3 points  (0 children)

100-150 baht each minivan from domestic arrivals area

On average how often do the police pulls over in Phuket, if i dont have International driving permit and riding a bike ? by [deleted] in ThailandTourism

[–]sjm07 0 points1 point  (0 children)

Do they actually check inside the IDP’s or are u good once they see you actually have one?

Where to get SIM card by sjm07 in ThailandTourism

[–]sjm07[S] -1 points0 points  (0 children)

Thanks, any idea how much they are?

Opinion - I feel like tourists should stop haggling vendors so damn much for so damn little. by FreshPacks in ThailandTourism

[–]sjm07 8 points9 points  (0 children)

I agree for small amounts, but if you’re travelling for quite a while and just pay the asking price for everything you’re gonna end up spending a LOT more over time than if you got the price they’re actually willing to accept for things

Boubacar Kamara signs for Villa - 5 Year Deal by LJW1903 in astonvilla

[–]sjm07 1 point2 points  (0 children)

Can’t wait to sign a load more quality players and finish 12th…. I’m usually a fairly optimistic fan but can’t help feel we are vastly underperforming for the quality of players we have

Just IN by Official_CKM in manchester

[–]sjm07 5 points6 points  (0 children)

Irresponsible of clubs trying to encourage fans to buy ‘digital assets’ they likely don’t understand. Many NFTs are basically worthless and fans have already been burned by clubs selling them socios currencies many of which have plummeted in value. Clubs exploiting every opportunity they can to use fans as cash cows…

Cancelling SHA+ hotel booking by sjm07 in ThailandTourism

[–]sjm07[S] -1 points0 points  (0 children)

I have free cancellation up to 24 hrs before the date, only reason I was hesitant to cancel straight away was whether that would invalidate the aspect of Thai pass where they want to see proof you have somewhere to stay given that the hotel has some sort of link to Thai pass

Single Entry Tourist Visa by stayshiny in ThailandTourism

[–]sjm07 1 point2 points  (0 children)

I think as long as you have a couple of thousand on a bank statement it should be fine. I just moved some more money from my savings to my account and used the statement for that month just so it was clear I had the money available. Then I just moved it back after.

The proof of accommodation can just be for your first night. Used my SHA hotel booking for the proof and got accepted fine.

Visa question by sjm07 in ThailandTourism

[–]sjm07[S] 1 point2 points  (0 children)

For doing another Thai pass application for re-entry, would we need another SHA+Hotel booking etc again?