Mark Connolly Posted June 20, 2016 Share Posted June 20, 2016 A quick check around ISA rates and MArtin's money tips says that indeed you are as well just letting the money sit in your current account at the moment. Mortgage overpayments? Where are you getting 3% on your current account? 0 Quote Link to comment Share on other sites More sharing options...
Fudge Posted June 20, 2016 Share Posted June 20, 2016 Why do I feel like I already know your answer? Because I'm a deviant 0 Quote Link to comment Share on other sites More sharing options...
welshbairn Posted June 20, 2016 Share Posted June 20, 2016 Why do I feel like I already know your answer? Do women ever have a quick sniff of men's pants? 0 Quote Link to comment Share on other sites More sharing options...
Zen Archer (Raconteur) Posted June 20, 2016 Share Posted June 20, 2016 Going to a gig at LaBelle Angele tomorrow night. Best place for parking and scran? http://edinburghjazzfestival.com/explore/venues/la-belle-angele.html 0 Quote Link to comment Share on other sites More sharing options...
Lisa Cuddy Posted June 20, 2016 Share Posted June 20, 2016 Because I'm a deviant That'll be it. 0 Quote Link to comment Share on other sites More sharing options...
Lisa Cuddy Posted June 20, 2016 Share Posted June 20, 2016 Do women ever have a quick sniff of men's pants? As I appear to be qualified to speak for all women now, I will say no. 0 Quote Link to comment Share on other sites More sharing options...
Mark Connolly Posted June 20, 2016 Share Posted June 20, 2016 As I appear to be qualified to speak for all women now, I will say no. There's some sort of joke about women speaking for everyone anyway, but I'm too much of a shitebag to go through with it. 0 Quote Link to comment Share on other sites More sharing options...
Joey Jo Jo Junior Shabadoo Posted June 20, 2016 Share Posted June 20, 2016 A quick check around ISA rates and MArtin's money tips says that indeed you are as well just letting the money sit in your current account at the moment. Mortgage overpayments? It is all down to how you feel about accessing your cash. The sensible thing is definitely mortgage overpayments, but that will make your money practically inaccessible, whereas continuing with the savings account will mean you can get your cash should you need it. Also, there's always the stock portfolio option. It's easy enough to set up (for example) a stocks and shares ISA. I doubt you'd get more than 3% out of them though TBH. 0 Quote Link to comment Share on other sites More sharing options...
invergowrie arab Posted June 20, 2016 Share Posted June 20, 2016 Where are you getting 3% on your current account? Santander 123 although there is a £5 a month account fee. 0 Quote Link to comment Share on other sites More sharing options...
Zen Archer (Raconteur) Posted June 20, 2016 Share Posted June 20, 2016 What the f**k happened there? My laptop turned itself off and when it booted up again P&B was doing weird shit. 0 Quote Link to comment Share on other sites More sharing options...
Fullerene Posted June 20, 2016 Share Posted June 20, 2016 What the f**k happened there? My laptop turned itself off and when it booted up again P&B was doing weird shit. Hooray - that virus worked! Oops - I wasn't supposed to tell you. 0 Quote Link to comment Share on other sites More sharing options...
hk blues Posted June 21, 2016 Share Posted June 21, 2016 A quick check around ISA rates and MArtin's money tips says that indeed you are as well just letting the money sit in your current account at the moment. Mortgage overpayments? As somebody else said, depends on how accessible you want the money to be. Go for mortgage overpaying and the money is gone effectively. If you have any credit card debt, or other loans, maybe use the money to pay them off if the interest being charged is above 3% as you will end up better off - this includes your mortgage but same caveat applies-go down this route and the money is gone. The Santander 123 is pretty good at 3% but only on 3k to 20k and min.balance 1k and the £5 fee and £500 monthly min.deposit. 0 Quote Link to comment Share on other sites More sharing options...
invergowrie arab Posted June 21, 2016 Share Posted June 21, 2016 As somebody else said, depends on how accessible you want the money to be. Go for mortgage overpaying and the money is gone effectively. If you have any credit card debt, or other loans, maybe use the money to pay them off if the interest being charged is above 3% as you will end up better off - this includes your mortgage but same caveat applies-go down this route and the money is gone. The Santander 123 is pretty good at 3% but only on 3k to 20k and min.balance 1k and the £5 fee and £500 monthly min.deposit. You have to have over 3K in to get 3% but you get it on whole balance if you do. 0 Quote Link to comment Share on other sites More sharing options...
Hedgecutter Posted June 21, 2016 Share Posted June 21, 2016 Santander 123 although there is a £5 a month account fee. Stick your supermarket shopping and the fuel on the 123 credit card and you'll have your money back fine. Only stupid cnuts like me put it on the debit card out of habit. 0 Quote Link to comment Share on other sites More sharing options...
Ex Machina Posted June 22, 2016 Share Posted June 22, 2016 I'm looking to buy a record player that won't scratch or ruin my vinyls. I have a budget of £300, anyone have any recommendations? 0 Quote Link to comment Share on other sites More sharing options...
Bigmouth Strikes Again Posted June 22, 2016 Share Posted June 22, 2016 I'm looking to buy a record player that won't scratch or ruin my vinyls. I have a budget of £300, anyone have any recommendations? Add £25 and get one of these beauties......... 0 Quote Link to comment Share on other sites More sharing options...
Eednud Posted June 22, 2016 Share Posted June 22, 2016 Chamber Street was shut as it happened but got parked on Grassmarket.] Is that where you clype to on the get off at Haymarketers? 0 Quote Link to comment Share on other sites More sharing options...
Fullerene Posted June 23, 2016 Share Posted June 23, 2016 Somebody said there was a referendum on today. Does anybody know anything about it? 0 Quote Link to comment Share on other sites More sharing options...
The Moonster Posted June 23, 2016 Share Posted June 23, 2016 We got our annual bonus announced to us today, a healthy percentage which was bigger than most expected. This year, though, the work had added in this attendance thing basically meaning that if you had a certain amount of days off sick then the percentage of the bonus you receive would be less (and it would increase depending on how long you were off for). Now, one of my colleagues was off roughly 9 months in the last year on maternity leave and she was informed today that she would only receive 21% of the bonus that was promised to everyone. I find this a bit fucking shite, as does anyone else in the office. My question is (and I think I know the answer), is this legal? Seems a bit unfair that she's being so heavily punished for having a child and it may cause others to think about having a kid if they might lose out so much financially. Also, given that the work had temporarily employed someone else to cover her work while she was off (who won't receive a penny of this bonus) it seems to me that the work are just pocketing this. 0 Quote Link to comment Share on other sites More sharing options...
The Moonster Posted June 23, 2016 Share Posted June 23, 2016 Who the f**k in this day and age gets a bonus? I hope you're not working in the financial sector. I work for a Low Voltage Switchgear company and I've had a bonus every year since I started working here in 2006. 0 Quote Link to comment Share on other sites More sharing options...
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