Halifax reward current account

Mikeyorks

cottager wrote: »

Where did you head for in the end after the WS dropped? Or did it come down to the dartboard solution!

It was 'mental' darts for a while - but eventually I conceded defeat on cash and put the majority into (hopefully) non volatile Funds. As the volatile ones have done extremely well this year (some above 50%) and I need an exit strategy on them. The rest I put into an existing easy access account with ING at 3%.
It didn't seem worth while duplicating the bill payment mandate with ING - as the extra £2.5k should have readily gone FP and overtaken the £15k en route via BACS! But that only worked once I discovered Halifax systems are more amenable to FP if it puts you into temporary overdraft!
As all the cash is in the OH's name .... I tried to explain it to her:rolleyes: I'd have found it easier getting a rational explanation from Halifax as to how their FP actually works.
If I shuffle off this mortal coil first - she won't have a clue where her money is! There are 5 detailed documents on this PC showing where everything is - problem is she can't find the documents, even though they're all in the same finance folder! And all attempts to resolve her lack of interest - just produce that familiar glazed look that says 'are you finished'.
I'd better get off and replace that faulty socket she plugs her hair drier into - as that's far more important to her.:D

cottager

Mikeyorks wrote: »

The rest I put into an existing easy access account with ING at 3%.

Forgot I had one of those! Well, not forgotten altogether but forgotten what bonus I was on. Doesn't compare well with yours though, having checked.

I'm thinking about Scottish Widows instant access at 3.01% including 1% bonus for 12 months, but it's BACS for withdrawals so not quite as 'instant' as I'd like! Still, not bad, and barely worse than AA opened yesterday, but the ratios of underlying/bonus are different.

At the moment we're best moving to existing Natwest eSavings + bonus, which is what I'm doing, but it runs out end of Jan.

I tried to explain it to her:rolleyes: I'd have found it easier getting a rational explanation from Halifax as to how their FP actually works.
If I shuffle off this mortal coil first - she won't have a clue where her money is! There are 5 detailed documents on this PC showing where everything is - problem is she can't find the documents, even though they're all in the same finance folder! And all attempts to resolve her lack of interest - just produce that familiar glazed look that says 'are you finished'.
I'd better get off and replace that faulty socket she plugs her hair drier into - as that's far more important to her.:D

I don't have anything set out about where everything is (and I should), but if I did it's all exactly the same here almost word for word, but in reverse as OH is the 'he'... but then he has a business to run, so we can make allowances.
Same, that is, except for the hair dryer :rotfl:

D1zzy

Mikeyorks wrote: »

As all the cash is in the OH's name .... I tried to explain it to her:rolleyes: I'd have found it easier getting a rational explanation from Halifax as to how their FP actually works.
If I shuffle off this mortal coil first - she won't have a clue where her money is! There are 5 detailed documents on this PC showing where everything is - problem is she can't find the documents, even though they're all in the same finance folder! And all attempts to resolve her lack of interest - just produce that familiar glazed look that says 'are you finished'.
I'd better get off and replace that faulty socket she plugs her hair drier into - as that's far more important to her.:D

We have division of labour - one is ic Savings and the other investments. Whoever's left should with a bit of luck have access to at least half the pot
There was a post on here about a having "dead dad file" - which contained all relevant info, which seemed like a good idea -probably wouldn't keep it up to date though :rolleyes:

cottager

My brother's so organised -- done the will and but also put with it a separate document, which he updates fairly regularly, with instructions about all sorts of things... well, everything as far as I can make out. All placed with a solicitor, and I know who that is obviously.

The 'separate instructions' are for me and a co-executor, and include all the financial stuff I assume, but -- so he tells me -- also everybody to get in touch with and tell (including all his email friends!), plus things like subscriptions to cancel, bill senders to contact, work contacts (he works freelance from home), and down to what he wants for the cats, what to do with certain possessions and so on. Sounds like us two co-execs will be well occupied!

Puts me to shame... haven't even got around to a will yet. Love the 'dead dad file' idea, but even if I did in the first place I don't think I'd keep it up to date either.

Mikeyorks

D1zzy wrote: »

There was a post on here about a having "dead dad file" - which contained all relevant info, which seemed like a good idea

Nope ....... it's called tempting fate. I'm hoping to stay around for a few decades yet ..... so I'm just going to have to persevere with her.

cottager wrote:

Same, that is, except for the hair dryer

Having replaced the faulty socket (and I turned the power off, for a change, not wishing to tempt fate after the earlier exchange) .. I'm in the good books. So it's 10mins over a coffee tomorrow to go through the files .... and just identify the basics of where they are / how they all dovetail. The fine print will need several pots of coffee over annual instalments.
For most of our lives income and essential expenditure have been closely matched - and she had a keen interest. Suddenly there's a lot of slack in the system - and she couldn't care less. So I'm doing the male thing and persuading myself that's a significant form of trust !!

Bobba_2

Does anyone know whether the Bank of Scotland Reward Account is regarded as separate to the Halifax ones?

Now have an Ultimate Reward Account and 2 Reward Current Accounts with Halifax (somehow), just wondering whether I'd get away with opening another with BOS...

tipsychick

Hi Bobba

They're all regarded the same. Back in Feb I managed to open up 3 x Halifax and 3 x BoS but after a couple of months they shut the 3 x BoS, so I'm just left with £15 from the Halifax ones!

noh

Bobba wrote: »

Does anyone know whether the Bank of Scotland Reward Account is regarded as separate to the Halifax ones?

Now have an Ultimate Reward Account and 2 Reward Current Accounts with Halifax (somehow), just wondering whether I'd get away with opening another with BOS...

No not seperate.
Those that managed to open BoS accounts in addition to their 3 Halifax accounts had them closed shortly after.

Biggles

D1zzy wrote: »

There was a post on here about a having "dead dad file" - which contained all relevant info, which seemed like a good idea -probably wouldn't keep it up to date though

I think that would have been me!

I must admit the 'Dead Dad' file gets a little out of date sometimes, but I update it from time to time and ensure any important documents go into it. It's not perfect but it's better than leaving them to fight their way through my pooter files for clues after I snuff it!

Calchas

Calchas wrote: »

Between us, my unknowing other half and I have broken through the £200 barrier since the inception of these wonderful accounts.

Christmas will be slightly easier this year. As to next year, who knows!

Still going strong!