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41
Window Cleaning Forum / Re: Santander Bank
« Last post by KS Cleaning on July 14, 2025, 06:28:41 pm »
Quote from: dazmond on July 14, 2025, 08:35:36 am
Quote from: KS Cleaning on July 13, 2025, 10:30:05 pm
Quote from: dazmond on July 13, 2025, 02:40:29 pm
I keep as little as possible in my First Direct main bank (that customers pay into)around £1000-£1500 as no interest is paid but no charges either. Just enough to cover my normal bills,direct debits,etc then transfer the rest into my ISA easy access account. It was close to 5% interest but has gone down to around 4.5% now but it's still OK. I also deposit £300 a month into first direct saver account(7% interest) for 12 months every year for money towards holidays...

All my tax/NI money is in my ISA ready to transfer when I have to.
Is this 7% interest saver account still available for new customers?

It's available to all first direct current account customers. Only problem is that £300 per month is the maximum you can deposit but it's still handy.
Ah right, thought there must be a catch somewhere! I’ve just sold my Porsche Macan so I have a tidy sum to invest….. I better hurry up before I squander it😆
42
Window Cleaning Forum / Re: Santander Bank
« Last post by simon w on July 14, 2025, 06:20:00 pm »
Quote from: AuRavelling79 on July 14, 2025, 04:16:17 pm
Quote from: simon w on July 14, 2025, 08:36:39 am
I've got a Team Meeting with Lloyds financial advisor this afternoon, will stop work at 1pm and take the meeting sat in my van  :)

This is to discuss my monthly rental incomes which I don't spend/withdraw making very little interest in the account I set up for my tenants to pay into. I'm looking to just keep their deposits in this account with the monthly rent payments going into something that earns far better interest, I reckon they'll suggest some ISA but we'll wait and see.

Do you completely self manage your property portfolio or do you use an agent for anything?

Not really much to manage once everything is in place. I use Maggs and Allen to find the tennants and Star Legal for a tenancy contract which is five years, until today the rent hasn't been earning a great deal of interest, but I had an hour team meeting with a Lloyds finance advisor today and happy that this income will now be working better for me, I don't ever draw on it so it's a long term nest egg for my old age, I'm a long way off retirement age atm so want that investment to grow without too much risk.
43
Window Cleaning Forum / Re: Santander Bank
« Last post by AuRavelling79 on July 14, 2025, 04:16:17 pm »
Quote from: simon w on July 14, 2025, 08:36:39 am
I've got a Team Meeting with Lloyds financial advisor this afternoon, will stop work at 1pm and take the meeting sat in my van  :)

This is to discuss my monthly rental incomes which I don't spend/withdraw making very little interest in the account I set up for my tenants to pay into. I'm looking to just keep their deposits in this account with the monthly rent payments going into something that earns far better interest, I reckon they'll suggest some ISA but we'll wait and see.

Do you completely self manage your property portfolio or do you use an agent for anything?
44
Window Cleaning Forum / Re: Hose Pipe Ban
« Last post by NBwcs on July 14, 2025, 12:16:17 pm »
My biggest concern about a hosepipe ban is mother nature's habit of evening things out, we could be in for a very wet autumn /winter.
45
Window Cleaning Forum / Re: Hose Pipe Ban
« Last post by simon w on July 14, 2025, 08:42:39 am »
Remember the guy's on here who were convinced we'd get lynched for working during lockdown  ;D maybe it'll be the same for cleaning windows during a hosepipe ban, probably get mobbed and our vans set a light  ;D
46
Window Cleaning Forum / Re: Santander Bank
« Last post by simon w on July 14, 2025, 08:36:39 am »
I've got a Team Meeting with Lloyds financial advisor this afternoon, will stop work at 1pm and take the meeting sat in my van  :)

This is to discuss my monthly rental incomes which I don't spend/withdraw making very little interest in the account I set up for my tenants to pay into. I'm looking to just keep their deposits in this account with the monthly rent payments going into something that earns far better interest, I reckon they'll suggest some ISA but we'll wait and see.
47
Window Cleaning Forum / Re: Santander Bank
« Last post by dazmond on July 14, 2025, 08:35:36 am »
Quote from: KS Cleaning on July 13, 2025, 10:30:05 pm
Quote from: dazmond on July 13, 2025, 02:40:29 pm
I keep as little as possible in my First Direct main bank (that customers pay into)around £1000-£1500 as no interest is paid but no charges either. Just enough to cover my normal bills,direct debits,etc then transfer the rest into my ISA easy access account. It was close to 5% interest but has gone down to around 4.5% now but it's still OK. I also deposit £300 a month into first direct saver account(7% interest) for 12 months every year for money towards holidays...

All my tax/NI money is in my ISA ready to transfer when I have to.
Is this 7% interest saver account still available for new customers?

It's available to all first direct current account customers. Only problem is that £300 per month is the maximum you can deposit but it's still handy.
48
Window Cleaning Forum / Re: Santander Bank
« Last post by KS Cleaning on July 13, 2025, 10:30:05 pm »
Quote from: dazmond on July 13, 2025, 02:40:29 pm
I keep as little as possible in my First Direct main bank (that customers pay into)around £1000-£1500 as no interest is paid but no charges either. Just enough to cover my normal bills,direct debits,etc then transfer the rest into my ISA easy access account. It was close to 5% interest but has gone down to around 4.5% now but it's still OK. I also deposit £300 a month into first direct saver account(7% interest) for 12 months every year for money towards holidays...

All my tax/NI money is in my ISA ready to transfer when I have to.
Is this 7% interest saver account still available for new customers?
49
Window Cleaning Forum / Re: Santander Bank
« Last post by JandS on July 13, 2025, 04:44:46 pm »
The odd cheque I get is just deposited via the app on my phone.....et confirmation then throw cheque away.
50
Businesses Wanted & For Sale / Cleaning Business for Sale In Thailand
« Last post by British American Cleaning on July 13, 2025, 04:01:12 pm »
Just on the off chance there is someone on this forum who has a dream to live in Thailand.
I'm a 68 year old Brit and am selling my 28 year old cleaning company as im ready to retire.
I will just post in here the advert I posted on social medai and Thai websites. Get in touch if you are interested.
Business for Sale Thailand.
Established over 28 years ago. Two million Bt reg capital and DBD certified accounts. Great opportunity for an expat wanting to live and work here long term.
Reason for sale.  Company owner is retiring.
Excellent profit margins and growth potential for an ambitious new owner. Company is sold as a going concern with staff, state of the art cleaning equipment, vehicles and contracts that provide a regular income.
We provide high quality cleaning services for commercial and private clients, mostly carpet, curtain and furniture cleaning. We clean yachts, aircraft, shopping mall boutiques, schools, offices and private homes.
This is a opportunity to take over a reputable ongoing business that you can grow substantially. Looking for offers of around 4,000,000 Baht
Previous experience not necessary, during a handover period with ongoing support as needed you will have all you need to succeed. Work permit and long term visa available. Email bacthailand@outlook.com. For more information contact me. Paul bacthailand@hotmail.com.
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