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Someone drove 3 hours round trip on Saturday to buy my old Pentium II machine for £100 and quelle surprise barely 3 days later they’re asking for a refund because they ran into a problem they couldn’t problem solve. They even took it to a local computer shop and PAID them to diagnose it. I...

That's exactly the situation with the company I work for. At first it was made out like there was just a few specific systems related problems that needed fixing but as the months have gone on it's evident that the problems are far more widespread and run deep, and beyond my ability to fix alone...

Got an interview next Wednesday for a role with an extra day in the office, but closer to home, car allowance and a 20% payrise. Role is much more focused on what I enjoy doing (financial reporting and technical accounting). Don’t want to get my expectations up until it’s looking more likely...

I think I’ve come to a realisation since writing the above reply - it might be time for me to move on again. Been a lot of events with the company in the last few weeks (all public so no issue with my talking here) that have destroyed customer confidence, employee moral and no sunlit uplands in...

Isn’t that mostly due to protecting customer deposits of all the small not-really-providers that went bust in late 2022?

Seems a bit of a strange situation - surely the risk is even greater with non-smart meters since presumably each flat is having to go and manually take readings all the time? How does that work? If the meters are all separate and inside/outside each flat how can smart meter installations get...

It’s quite obvious that the focus on employee NI cuts in recent budgets is part of a long term play to abolish it completely. It could be gone completely in just 4 more budgets. Just need to then replace employers NI with something more sensible too. Pulling more pensioners into tax through...

Probably best to treat it as a teachable moment really - sometimes in life you do fail despite trying your best.

Never ever again hopefully. Worst thing to have ever happened.

The biggest blocker from the employers POV will no doubt be exposing them to potential tax liabilities in other countries as well as employment responsibilities. Doubly so if they don’t have a presence in that country to begin with. Obviously a lot of people no doubt get away with doing it on a...

Why on earth do I need to redo an ID check when reinstalling the Chase bank app? It took bloody forever to do when I opened the account and now I’ve had to send it to a human to review again. Don’t think any other bank does this when you’ve already got an account with them?

That'll help massively - hopefully they've already created a bunch of workflows, saved searches, roles, custom forms, etc so you can just replicate it easily. That's my next goal - at the moment nothing is integrated with NetSuite and our sales team is wedded to Salesforce and committed for...

Well I’m still in the role, so can’t be all that bad. It’s certainly been a challenge getting to grips with a new system whilst sorting out a lot of historical issues and handling an IFRS conversion and first audit, oh and did I mention it’s for multiple separate companies with a convoluted...

Can’t you just set it up as another user and use delegated access or forwarding?

Sounds like she’s her own worst enemy and allowed this situation to gradually come about by being too accommodating/loyal when in reality she’s just been taken advantage of. Some people stay in these situations their entire working lives because they don’t like change/have low self-esteem/etc...

EBay morons do wind me up. Sold my Voodoo 3 and they’ve now come back asking for a full or partial refund because the card has had a repair job and shows heat discolouration. I wasn’t aware of either but they are visible in the pictures of the original listing so I would’ve expected someone who...

The approach I take with my workplace pension, SIPP, S&S ISA and LISA is 85% developed ex-UK, 10% emerging markets and 5% UK equities. Find the cheapest funds to achieve the mix above on each platform, set it and forget it. I don’t know any better than the global economy. I don’t think bonds...

Depends mostly on if your scheme/provider allows partial transfers out. There are other limitations if you have protected rights etc. Obviously only applies to DC pensions also.

This might come as a shock but your NI payments weren’t paid in to anywhere. They got spent by the gov (practically) instantaneously as soon as they were deducted from your pay and paid by your employer, if not before.

I transfer as much as I can from my workplace pension once a year to my Vanguard SIPP where it’s invested into the same index funds as my S&S ISA and Lifetime ISA. Some workplace pensions aren’t too bad on fees but some are awful so ymmv.