Comments for Ray Stewart

Comment on When Will Spaceship Government Return to Planet Reality? by MartinC

MartinC — Mon, 07 Dec 2009 11:12:14 +0000

Well said Ray, couldn’t agree more!

Comment on Still Confused By New State Pension Age Rules? by Tweets that mention Still Confused By New State Pension Age Rules? -- Topsy.com

Tweets that mention Still Confused By New State Pension Age Rules? -- Topsy.com — Thu, 03 Dec 2009 11:54:57 +0000

[...] This post was mentioned on Twitter by Emma Fryer, Ray Stewart. Ray Stewart said: New blog posting, Still Confused By New State Pension Age Rules? – http://raystewart.biz/xW [...]

Comment on VAT – Fuel Scale Charge by Ray

Ray — Thu, 15 Oct 2009 23:26:51 +0000

Thanks Martin. It wasn’t completely obvious that the scale charges were VAT inclusive so I am pleased you pointed it out and I have amended the text to make this point more clearly – hopefully!

Ray

Comment on VAT – Fuel Scale Charge by MartinC

MartinC — Thu, 15 Oct 2009 20:09:05 +0000

Hi Ray,

You are aware that you only pay the VAT element of the scale charge? Therefore, assuming 3 years (at a 15% VAT rate for ease) the VAT due per quarter on a top band car is £57.52 (£441 x 3/23) – after 3 years you would have underpaid £690!!

Comment on In The Midst Of Life – We Are In Death by Marie

Marie — Wed, 01 Jul 2009 18:08:33 +0000

Hi Ray,

So sorry to hear about your Mum. Our sincere condolences go to you and yours.

I was very moved reading your article and realised that it is the same for all of us who’ve lost a loved one – only once you’ve experienced a loss can you truly appreciate a little of what others are going thorough.

And yes, who’s not guilty of just getting on with life… meaning to… existing… Sadly it takes something like a bereavement to make us realise we’re not immortal and should make every second count.

Thinking of you and your family at this sad time. Take special care of each other.

Marie & Rob

Comment on In The Midst Of Life – We Are In Death by Gavin

Gavin — Wed, 01 Jul 2009 12:29:28 +0000

Hi Ray

Sorry for hearing about your recent loss and losing your son Simon.

It’s hard for me to imagine what that must be like and it’s what every parent dreads I suppose.

Thanks for sharing and giving us a wake up call.

Gavin

Comment on Change Is All Around… by Ray

Ray — Thu, 11 Jun 2009 21:37:16 +0000

Thanks Leanne

It has been a long slog but I am getting there now…hopefully.

Comment on Barclays – Don’t Want Me To Go! by Ray

Ray — Wed, 10 Jun 2009 22:45:11 +0000

I agree I am looking through rose tinted glasses at the moment, but after 15 years or so with Barclays, after being subjected to endless charges, needless hassles and having the account moved around the country at the bank’s whim – an arguement about just 1 charge would have been a dream for me and no excuse to change the account – But, as it is…!

Comment on Barclays – Don’t Want Me To Go! by DavidT

DavidT — Wed, 10 Jun 2009 07:52:28 +0000

Banks are like mobile service providers… pretty much necessary but have to be lucky for it to go smoothly.

More than 2 years on with HSBC and also have had mostly good experiences, just one small issue maybe a year ago and sorted out with a call to the right person.

Unfortunately now we have spent nearly 3 months experiencing incredibly poor and frustrating service from HSBC regarding a bank charge which is obvious to us, an error.

HSBC has been unable to provide adequate details of the charge, apart from saying it’s not their charge. They also haven’t been responding when they say they will, and when they do it’s with answers to a question that was never asked.

Do I think this shows HSBC to provide a poor service?

No worse than what we’d probably see anywhere else.

Would we change banks?

Something to consider but I wouldn’t expect a much better service elsewhere once they’ve had time to make mistakes.

Comment on Change Is All Around… by LeanneS

LeanneS — Fri, 22 May 2009 22:34:51 +0000

Hi Ray

I just wanted to be first to say how much I love the new site. Keep up the good blogs!