Adrian Garside

Independent Financial Adviser with Scammell Associates LLP

Browsing Posts published on August 31, 2010

233/365 - Moose
Creative Commons License photo credit: aithom2

Dentists always tell you to floss, but flossing has to be the least enjoyable experience on earth. I’d rather rub my eyes shortly after chopping a chili (which I did yesterday).

However, my dentist suggested I try tepe sticks instead of the fishing wire flossing stuff – these are like tiny pixie bottle brushes that you use between your teeth and they are excellent. For me, it’s a huge relief that they exist, given my antipathy towards floss.

I recommend them, in my expert capacity as a daily tooth user.

They are available from most chemists – but I suggest ebay…if you want to save some cash…

Sorry, couldn’t find a photo of a tepe stick that was royalty free, so I thought a stuffed moose would be a good substitute.

going up
Creative Commons License photo credit: smemon87

I’ve just heard on Radio 5live that EDF are putting their electricity prices up by 2.6%

This seems a bit out of the blue, I wonder if they are the 1st in a trend?

2.6% isn’t a very big increase – although I guess that may depend on which of their tariffs you are on. You choose, out of this lot:

Annual fix version 1

Annual fix version 2

Annual fix version 2 (original)

Annual fix version 3

Annual fix version 3 (up until Jul 2010)

Annual fix version 4

Climate Balance

Eco 20:20

Eco Manager

Energy Assist

Energy Discount Plan

Energy Discount Plan Version 2

Energy Discount Plan version 3

Energy Saver

Fixed Price 2015

Fixed Price until 31/7/2010

Green

Online s@ver version 1

Online s@ver version 2

Online s@ver version 3

Online s@ver version 4

Online s@ver version 5

Online s@ver version 6

Online s@ver version 7

Online Version 1

Online Version 2

Online Version 3

Online Version 4

Online Version 5

Online Version 6

Price Guarantee 2010

Price Protection 2010

Standard

That’s just their electricity tariffs…

If you are with EDF and have been for more than 6 months, what are the chances that you are on their cheapest rate? And if you are on their cheapest rate, how long do you think that will remain the case? And, don’t think I’m picking on EDF, they are not the worst.

Wouldn’t you prefer to be with a provider who’s old customers are on the same tariff as the ones that join this week?

Contact me, I may be able to save you 2 things – money (obviously), and the headache of swapping provider every 6 months.

Sourdough Rye
Creative Commons License photo credit: Artis.Rozentāls

No? Nor me.

But, it seems people do – according to this article in the Telegraph . Mmmm – I’ve just visited the website of the bakery – Hobbs and I can see why they are tempted!

The funny thing is though – £21 for a loaf of bread seems extraordinary enough to talk about and I bet, like me, you are tempted, but in a ‘nose pressed against the sweetshop window’ fashion – you want one, but you know you can’t because it’s silly.

I have two main types of customer, those that want me to do something – arrange a pension or a mortgage or something like that. And the other types are those that know they have a load of direct debits to insurance companies, but don’t really know what they are for.

For the second group (and often the 1st) when I look at what people spend on their insurances, ISA’s, pensions, utilities and mortgages; saving £20pm is often easy and sometimes I can save people a great deal more than that. I’ll use me as an example – my business phone used to cost me over £100pm, now it costs about £20 – £25 most months. I could have 3 of those loaves every month just on my phone bill saving.

This may be because it is what I do – for me, all the information is available and I know how to assess the best products, I know the ones where cheapest really is best, or where spending a couple of £ extra is good value. No call centres will baffle me, or try to ‘upsell’ and so the process is easy.

I can do this for you. I will visit you at home, look through your stuff, tell you what can be done and if you want me to, sort it out.

For blog readers, I will cover any expenses that I have for this. If I can save you £20pm you can invite me round afterwards for a sandwich made with £21 bread…