It's time to start digging up those Squirrelled Nuts!!!!

trevjl

Few years ago we discovered that as we have soakaways for rainwater and it doesn't go in the main drains we could get the that part taken off the bill. They did so with just a phone call, but wouldn't back date it. Not surprising as the house was built in 1968.
Annoying as the whole estate has the same but they didn't tell anyone, just slowly got round by word of mouth. That's Southern Water for you. Our bill is £16 a month on a meter

barnstar2077

Many years ago I was paying £30 a month for water as I lived in a three bedroom house.  When I switched to a water meter my bill went to under £10.  The water company sent someone round to inspect and replace the meter to make sure it was working properly.  They couldn't come to terms with me living on my own in a three bedroom house (and therefore not using as much water as a family of four or five would.)  When the meter replacement failed to increase their profit from me they simply upped my standing charge to try and get some of it back!

It's a wonder that I am not a cynical old man really! :  )

pensionpawn

The greatest reduction in our water consumption was when my eldest daughter moved out. The next great fall was when my middle daughter moved out. How I wept  One more daughter to go. I think the new washing machine has had a marginal impact!

michaels

pensionpawn said:

The greatest reduction in our water consumption was when my eldest daughter moved out. The next great fall was when my middle daughter moved out. How I wept  One more daughter to go. I think the new washing machine has had a marginal impact!

Did they also berate you on a daily basis for 'having destroyed the environment' whilst never turning off any electrical devices (or taps), never putting their cans or plastics in the recycling, opening the windows all winter and turning up the rads and spending every penny or wear at most once clothes and shoes?

pensionpawn

michaels said:

pensionpawn said:

The greatest reduction in our water consumption was when my eldest daughter moved out. The next great fall was when my middle daughter moved out. How I wept  One more daughter to go. I think the new washing machine has had a marginal impact!

Did they also berate you on a daily basis for 'having destroyed the environment' whilst never turning off any electrical devices (or taps), never putting their cans or plastics in the recycling, opening the windows all winter and turning up the rads and spending every penny or wear at most once clothes and shoes?

No, they weren't too bad in that respect. My wife is the one who keeps on reminding us of the recycling rules. However they did spend what any other young woman would do on fashion / shoes / hair etc lol though still managed to save enough to buy their first houses at 23 with their boyfriends 

Sea_Shell

I've been having another purge of pension paperwork, and saw that the factsheet for my Royal London pension was from Jun 2018, so I thought I'd have a look at the latest one.

It's a Mixed investment 40-85% shares.   Some of the breakdown within the fund has changed a bit, but still within those parameters.

One thing I have noticed is that the fund size has dropped from £2537m to £1748m in that time.

Some of it is probably the recent drop in value, but over that period, it wouldn't account for a ~30% drop would it?   

It's averaged annual growth of ~5.5% over those 4 years.

Does it mean that this fund is losing investors?    Should it be a concern?    Am I overthinking this? 

quirkydeptless

Sea_Shell said:

Does it mean that this fund is losing investors?    Should it be a concern?    Am I overthinking this? 

..........

JoeCrystal

Sea_Shell said:

I've been having another purge of pension paperwork, and saw that the factsheet for my Royal London pension was from Jun 2018, so I thought I'd have a look at the latest one.

It's a Mixed investment 40-85% shares.   Some of the breakdown within the fund has changed a bit, but still within those parameters.

One thing I have noticed is that the fund size has dropped from £2537m to £1748m in that time.

Some of it is probably the recent drop in value, but over that period, it wouldn't account for a ~30% drop would it?   

It's averaged annual growth of ~5.5% over those 4 years.

Does it mean that this fund is losing investors?    Should it be a concern?    Am I overthinking this? 

Sorry! But reading your post make me smile. For one moment, I thought you had £2537m in your pension pot! Lol

Albermarle

Sea_Shell said:

I've been having another purge of pension paperwork, and saw that the factsheet for my Royal London pension was from Jun 2018, so I thought I'd have a look at the latest one.

It's a Mixed investment 40-85% shares.   Some of the breakdown within the fund has changed a bit, but still within those parameters.

One thing I have noticed is that the fund size has dropped from £2537m to £1748m in that time.

Some of it is probably the recent drop in value, but over that period, it wouldn't account for a ~30% drop would it?   

It's averaged annual growth of ~5.5% over those 4 years.

Does it mean that this fund is losing investors?    Should it be a concern?    Am I overthinking this? 

A complete guess is that RL pensions are mainly via advisors and they were getting analysis to move away from these traditional mixed funds with a significant % of bonds/gilts, as the outlook for bonds/gilts was not good.

Sea_Shell

JoeCrystal said:

Sea_Shell said:

I've been having another purge of pension paperwork, and saw that the factsheet for my Royal London pension was from Jun 2018, so I thought I'd have a look at the latest one.

It's a Mixed investment 40-85% shares.   Some of the breakdown within the fund has changed a bit, but still within those parameters.

One thing I have noticed is that the fund size has dropped from £2537m to £1748m in that time.

Some of it is probably the recent drop in value, but over that period, it wouldn't account for a ~30% drop would it?   

It's averaged annual growth of ~5.5% over those 4 years.

Does it mean that this fund is losing investors?    Should it be a concern?    Am I overthinking this? 

Sorry! But reading your post make me smile. For one moment, I thought you had £2537m in your pension pot! Lol

Yeah, that's just for next winter's gas bill 😉😲

(fixed for this one)