Savings

Then why don’t the private sector do something about their pensions? Why should the public sector reduce because the private sector don’t do enough? Again I look at the profit these huge companies make and I’m talking billions in the case of banks etc, why arent their employees getting better pensions. A friend of mines daughter just got a £5k bonus for beating her sales targets, I don’t know of any public sector worker who gets a bonus, maybe we should introduce that into the public sector, oh wait then we’d say why should they get bonuses for doing their job! Maybe instead of getting a bonus they should put that in her pension, she may have that choice but I bet as a 26 year old she won’t do it. The public sector pensions were reformed in 2006 by Labour!

Second line - because the private sector pays for the public sectors pensions!
 
Where’s best to keep over £20k in savings?
I’m a bank at 4.2%, sure I can get better by placing it somewhere else
If you have the constitution for it a S&S ISA with someone like Fidelity or Hargreaves Landon should get you double that, but thats depending on the stock market continuing to perform of course. It could lose you money in the short term. If you're looking medium to long term it's a bit of a no brainer for me
 
Buy gold….British coins only gold sovereigns or Britannia’s
How does that work then? Presumably it's a paper holding only (or this day and age an electronic holding). If you actually got your mitts on the coins I'd be worried about losing them down the back of the sofa
 

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