St James's place wealth management

Malthusian

I don't think things were always like this, we're they?

No, we were poorer. Now we are richer and this is one of the things we "waste" money on.

Plus of course there are now many goods like toasters and kettles where it's cheaper to produce a new one than to bother with manufacturing individual parts separately (and to keep them in a warehouse and ship them out to people who need them etc).

I confess my DIY ability with cars and freezers is nil but one thing I am glad of is that I can fix computers. Last week I came home to find mine had turned into a brick. One trip to PC World later for a new power supply and it was up and running again. The people I feel really sorry for are those who take the computer into PC World and spend weeks waiting for it to come back, then it comes back and it still doesn't work, take it back again, complain, etc etc. And all the while you have no computer. Garages may rip you off but in general they do actually get the car working.

talexuser

gadgetmind wrote: »

Everyone used to have a greasy Haynes manual.

Ha!, I bought a Haynes for at least my first 6 cars (until I started buying from new). I can't remember ever actually using it for much except maybe changing a light bulb, but the garage would have been naked without it on the shelf!
Nowadays I just join the owners websites, eg bought an led footwell light kit, and all the photos to install it are there for you.

cloud_dog

talexuser wrote: »

.... eg bought an led footwell light kit, and all the photos to install it are there for you.

Why do you need a LED footwell light.... Don't you know where your feet are?

talexuser

cloud_dog wrote: »

Don't you know where your feet are?

I did last time I looked :T the blue light just looks cool at night and goes with the Enterprise dash!

waveneygnome

Talking of Blue Lights........

Do you think that when a SJP rep visits, they should have a blue light flashing? Their fees are likely to give your a heart attack.

gadgetmind

Malthusian wrote: »

The people I feel really sorry for are those who take the computer into PC World and spend weeks waiting for it to come back, then it comes back and it still doesn't work

We were recently buying new notebook for daughter in PC World and they were trying the "up sell".

I assured them that if anything broke when it was out of warranty that I'd fix it. They told me I wouldn't be able to even open the case, so I flipped the display model over and said "Torx T7 with security bump, yup, I've got one of those!" and they looked dismayed.

They then tried with "But what if it isn't something you can fix yourself?" and my wife chipped in with "If he can't fix it, then you guys don't stand a chance!"

They then tried the anti virus up sell and fared no better despite slipping the odd lie into the spiel.

Not_Me_Officer

Apologies for bumping an old thread here but this makes worrying reading.

We was to see our IFA about retirement planning & pensions but it turns out we're a little short on the initial deposit. We were told that it's now £10k each as a minimum & we're a couple k short. We were told that they (the IFA) now use St James Place. I don't know who they used beforehand but that's who they use now apparently.

So when i got home i googled it & this thread was one of the results i found.

The IFA was really good for us when we went for our mortgage as first time buyers so i was surprised to read some of the comments here. I don't really know where to begin with pensions so both my partner and i will need someone managing ours there's no question about that but will St James Place be quite costly to us then?

I don't imagine all IFAs use the cheapest route but are SJP really that terrible for me to be putting my money? As in should i avoid like the plague it'd be on a par with throwing my money in the bin kind of bad?

elephantrosie

deleted..........

ColdIron

Nothing wrong with SJP products although they offer a very limited range and nothing you can't get elsewhere. However on a scale of one to five for expense they are a solid five. Heinz Baked Beans at Harrods prices

Visit some other IFAs and make your own comparison

jimjames

If they use SJP presumably that means they're not an IFA anymore?