Nice People 13: Nice Save

zagubov

Generali wrote: »

It is blimmin' freezing. Can I go home now please?

Nope- even if you got a flexible Boomerang Same Day Return, it's too late. We've told the Aussie food customs guys you're the guy that brought in the first cane toad.
There's no going back now Gen.

Buy snow shoes a duffel coat a parka and a can of polar-bear repellant then you'll be just like the rest of us.;)

lostinrates

silvercar wrote: »

o2 do a similar hotspot internet thingy for free, you don't need to be an O2 customer to access it.

Really?

I am an O2 customer and didn't know that, lol.

I'll have to find out more.

vivatifosi

We have BT and BT Internet here, partly for the sports (Moto GP). Parents have a good package with TalkTalk which gives them unlimited calls including international (mum can phone her brother in Australia every day), two mobiles and unlimited internet. I've tried to show both Skype, but they struggle to hear.

Our mobiles are from Tesco, 750 minutes each, plenty of internet (3Gb from memory but we tend to use free wifi more), and unlimited texts. Costs £15 for two phones.

chewmylegoff

CKhalvashi wrote: »

The easiest way to do this is then surely to require an IFA to advise in full the risks associated with such investments and to make sure it's above board.

I'd happily pay the £250 for an hour of an IFA's time to make sure I was getting correct advice.....

IFAs are required to assess suitability but if you transfer into a SIPP or SSAS for the purpose of self managing your investments and your reason for wanting to transfer is that you want to self-manage then the IFA is advising as to whether the SIPP/SSAS is an appropriate vehicle for you to self manage your pension in. They are not advising you on what you then do with you money.

The difficulty is that there is a significant % of the population who will ignore even direct warnings that they are being scammed. You can tell them directly that they will lose all their money and they will still do it.

In the only way to prevent people like that from being scammed is to basically make it impossible for them to transfer their pension. However, if you do that then you also stop sensible people who know what they are doing from transferring which will just result in ridiculous fees being charged on a captive audience who cannot transfer away.

On some levels I think that people should just be responsible for their own actions and live with the consequences, but the state has some responsibility to protect the vulnerable and furthermore we are all the victim when the pension transfer comes from a public sector scheme (not just the initial loss but the future payments of pension credit etc.)

Ultimately I can't see the downside to the govt simply banning people from transferring out from public sector defined benefit schemes. I think they are actually in the process of doing this as part of the pension reforms announced earlier in this parliament.

michaels

silvercar wrote: »

o2 do a similar hotspot internet thingy for free, you don't need to be an O2 customer to access it.

I have never actually found a working O2 hotspot but now we have the BT boradband I have made use of the free wifi.

WE have a box that you plug into your internet router and it gives you EE signal in your house but no longer have any EE phones. WE were going to sell it on ebay (they go for about 100) but if there is a NP who would benefit....

lostinrates

Michaels, do you find lots of BT access?

PasturesNew

I find the BT thing confusing. I need some password or something to attach to somebody with the free wifi - and need to set mine so it transmits free wifi to BT customers... er, I think.

Anyway, way too confusing really.

Nikkster

PasturesNew wrote: »

I find the BT thing confusing. I need some password or something to attach to somebody with the free wifi - and need to set mine so it transmits free wifi to BT customers... er, I think.

Yeah - that's my understanding of it too (I'm with BT for my landline and internet). If I lose wifi access when a bus is at the stop outside, sometimes my phone will connect to the bus wifi :rotfl:

I've only ever seen o2 wifi in shops (where they offer free wifi eg M+S, Debenhams)

lostinrates

Fir has left all his cufflinks in London.

We are debTing whether to open all the crackers to try and find a pair for this evening.

michaels

I got a log in that didn't work when I choose a BT hotspot then saw an option to log in as a bt broadband customer and did so using my BT broadband account log in details and it now works everywhere I find a hotspot which is quite common unlike O2 which I never found except at an O2 shop.