General Discussion: The life advice thread. Never do, say, eat or drink anything without asking how to do it in here first!


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DuffMan
DuffMan avatar

14240 posts since 21/2/07

14 May 2019 22:05
Now they really would worry me
-DiscoTits-
-DiscoTits- avatar

669 posts since 26/11/07

14 May 2019 22:13
Whys that? Come highly recommended according to Money Saving Expert and other reviews etc. What have you heard about them then?
illwill
illwill avatar

3404 posts since 17/5/04

15 May 2019 08:23
AFAIK if your tin-pot energy supplier goes bust, it's not really a problem. Your supply and any credit balance will be transferred over to another supplier who has bid for it.

There's only the relatively small inconvenience that you can't switch to a supplier of your choosing in the transition period.
carlos
carlos avatar

937 posts since 20/1/08

15 May 2019 11:14
Burt wrote: Voluntary redundancy doesn't necessarily make the post redundant - that's down to the small print, carlos. You got a union (rep/steward) that you can approach?

Thought that was the case. Got on to union rep and HR to see the details and they're arranging a meeting. Gonna get shafted though. Have been for a few years so nothing new.
swiftus
swiftus avatar

688 posts since 1/7/09

15 May 2019 11:23
Does anyone have a Meerkat Movies pin that they're not going to use this week?
joeyjojo
joeyjojo avatar

3879 posts since 24/8/06

15 May 2019 11:31
Bulb looks like a great idea and hope it works out. I use Good Energy which is similar and have been good for the past 8-9 years. Apparently Bulb have a really bad issue with staff turnover and a bit of a toxic workplace ( similar to Revolut apparently) which isn’t great I guess …
swede
swede avatar

7701 posts since 21/3/09

15 May 2019 11:53
swiftus wrote: Does anyone have a Meerkat Movies pin that they're not going to use this week?

no but happy to forward a free cineworld or vue code. I get them through my health insurance every week but never use them
swiftus
swiftus avatar

688 posts since 1/7/09

15 May 2019 13:36
swede wrote:
swiftus wrote: Does anyone have a Meerkat Movies pin that they're not going to use this week?

no but happy to forward a free cineworld or vue code. I get them through my health insurance every week but never use them

Cheers Swede, eazypz came through with a code. Thanks for the offer though Cool
Beau Brummel
Beau Brummel avatar

522 posts since 16/1/11

15 May 2019 14:25
Any recommendations for a stocks & shares ISA ?
illwill
illwill avatar

3404 posts since 17/5/04

15 May 2019 16:10
I went with Vanguard
jacko198
jacko198 avatar

235 posts since 23/10/09

15 May 2019 19:35
Im using Octopus for energy. Seems to be pretty well priced for me, have been with them for 2 years now using their renewable energy tariffs.

If you use my link you get £50 credit straight away (I get £50 too) which is pretty sweet.
I have referred 4 people so far so have had £200 of energy for free which is mental! Cool

https://share.octopus.energy/maize-dawn-649
Crackajack
Crackajack avatar

6972 posts since 21/4/05

15 May 2019 19:49
Feel like I'm getting screwed at work as well.

Have taken on some extra responsibility 'on paper' for the last 10 months but the role isn't really what it should be - it's a work in progress to get the right level of internal and external engagement, governance structures and process in place.

My acceptance of taking an 'acting' title was based on their being a salary review which has taken months as my manager is off sick and will now be leaving. Now they have done it and said no change in salary despite a change in responsibility. I'm at the maximum of my current grade already so I think they are hesitant to increase to the next one which is their only option (e.g. move to the top 3 bands).

I have been told to set out my arguments for the pay review to be re-reviewed. Tricky thing is that they don't give detail on how salary reviews are calculated other than generic 'responsibility' and 'decision making' type stuff. I don't generate income/earnings but work in compliance so responsibility is a fair comment.

Any tips to bump up the role description or otherwise manage this situation? Not a union member.
sofashionmuchamaze
sofashionmuchamaze avatar

696 posts since 12/12/13

posted 15 May 2019 20:57, edited 15 May 2019 20:57
Would just explain it as you did here. They're probably not aware of your view and expectations.
Beau Brummel
Beau Brummel avatar

522 posts since 16/1/11

16 May 2019 06:40
illwill wrote: I went with Vanguard

What sort of returns do you get ?
andrew_
andrew_ avatar

411 posts since 23/1/10

16 May 2019 14:47
I opened the Lifestrategy100 ISA at the end of Jan, +8.03% return so far
swede
swede avatar

7701 posts since 21/3/09

16 May 2019 14:51
Cool
DuffMan
DuffMan avatar

14240 posts since 21/2/07

posted 16 May 2019 21:25, edited 16 May 2019 21:25
I've got an AJ bell LISA so I can choose what to go in on - up 14% since I opened in Jan 18 but a lot of it is in tech which is taking a battering at the mo
illwill
illwill avatar

3404 posts since 17/5/04

17 May 2019 07:53
Beau Brummel wrote:
illwill wrote: I went with Vanguard

What sort of returns do you get ?

I think about 5% over 18 months.

It's a gamble like anything else. Just stash it and leave it. Don't expect to get rich.

One thing that shits me up about Vanguard is that they don't have 2FA.
Beau Brummel
Beau Brummel avatar

522 posts since 16/1/11

17 May 2019 10:37
illwill wrote:
Beau Brummel wrote:
illwill wrote: I went with Vanguard

What sort of returns do you get ?

I think about 5% over 18 months.

It's a gamble like anything else. Just stash it and leave it. Don't expect to get rich.

One thing that shits me up about Vanguard is that they don't have 2FA.

Cheers.
shields88
shields88 avatar

359 posts since 25/5/11

18 May 2019 23:04
I use Octopus and had a problem with them where they weren't charging us the right money monthly even after submitting monthly readings. Ended up with a huge bill but to their credit they backdated the whole bill to their cheapest plan and gave a further 20% discount. Service was spot on and don't think I'll change to another provider now unless they can undercut them by huge amounts.