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16/05/2023

22/11/2022

呢個盤係重點推介!!!

點解?
因為係一位好多人都用過佢服務嘅人放㗎, 麻煩share俾你哋嘅朋友啦

16/11/2022

今次想同大家講吓sim卡plan

好多人都會問邊個台收得好, 其實英國嘅台全部都唔及香港, 即使所謂最好嘅EE都差過香港任何台

收得好唔好, 係睇你主要去邊度, 喺邊度用, 整體嚟講
EE最好
Vodafone / O2 普通
Three永遠最差

所以好難話你知邊個好, 你可以嚟到英國後每個台都試吓, 唔好簽contract, 試到啱先簽約

不過, 我都有小貼士俾大家, 就係最好揀MNO, 即係EE / Vodafone / O2 / Three

同香港一樣, 英國都有好多MVNO, 例如Giffgaff(O2), Smarty(Three), Sky(O2), Virgin Mobile(Vodafone), Lyca(O2), Lebara(Vodafnoe), talkmobile(Vodafone), Plusnet(EE)...

MVNO係會平啲, 但係其他就未必可取

我真係見過有人話Smarty好好, Three完全唔得, 呢啲真係笑話, Smarty本身就係Three嘅MVNO, 永遠冇可能收得好過Three, 只會更差

MVNO另一個死症就係Wifi call, 喺香港你未必會覺得wifi call好重要, 因為香港個個台嘅覆蓋都好, 但係英國係另一回事, 尤其係室內, 你去超市行入少少可能已經冇信號

我啱啱嚟到嗰陣, 揀咗Three(unlimited)同EE(200GB), 嗰陣住嗰間屋, 2個都收得ok, 所以冇裝Broadband, 一個月用幾百GB

之後搬咗屋, 所有台都收得唔好, 好彩冇揀MVNO, 所以Wifi-Calling救到命, 因為屋入面完全傾唔到電話, 要靠wifi call先得, 我平時係home office, 幫人搵盤/約睇盤全部靠電話, 打唔到電話就死得

用Giffgaff / Smarty / Lebara嘅朋友, 嚟到我屋企係打唔到電話嘅, 只可以Whatsapp call

所以, 寧願去搵啲MNO嘅promotional plan, cashback plan, 都盡量唔好揀MVNO做你嘅主plan, 當然, 如果你經常出入嘅地方都收到, 咁就冇問題, 但點都好, 喺人多密集嘅地方, MVNO一般都會差啲

Topcashback referral:
https://www.topcashback.co.uk/ref/eric_in_uk

Wise referral:
https://wise.com/invite/iwh/tinl135

Jamdoughnut referral
Use my referral code (AETF), to get 100 points with your first purchase. Download JamDoguhnut at: www.jamdoughnut.com

AE British Airway referral
https://americanexpress.com/en-gb/referral/tINFULXzcq?XLINK=MYCP

AE Explorer referral
https://americanexpress.com/zh-hk/referral/tINFUL0wgV?XLINK=MYCP

Curve referral:
https://www.curve.com/join

British Airway Executive Club
https://www.britishairways.com/....../about-the-club

歡迎Whatsapp我一齊研究
http://wa.me/447727669844

13/11/2022

銀行戶口篇(二)

有啲人就開咗HSBC Expat, 以為呢個就係英國戶口, 其實唔係
英國戶口都係6位數嘅sort code加8位數嘅account number
HSBC Expat冇sort code

好啦, 嚟到要開咩戶口好呢?

除咗HSBC UK, 你可以開啲high street bank嘅戶口, 例如Barclays / Lloyds, 不過啲大銀行嘅利息都係好低, 以2022年11月為例

HSBC UK / Barclays / Lloyds 嘅Easy Saver accounts (即係活期存款咁上下), 利息係0.4%-0.7%, 而fixed rate bond (即係定期存款咁上下)就係2.5%-3.4%

咁其他細啲嘅銀行又點呢?
Virgin Money 活期2.02%
Chase 活期2.1%, 用Chase嘅Debit card, 頭一年好多日常消費都有1% cashback
Aldermore 活期2.75%

而定期存款好多都做4.6%-5%

即係每10萬鎊存款, 細銀行每個月俾多百幾鎊利息你! 夠你一家三口買巴士月票!

英國都有存款保障, 每個人名喺每間機構嘅保障額係£85,000
只要你係喺啲有FSCS嘅銀行開戶口, 存入唔多過£85,000, 基本上係安全嘅, 錢多嘅就開多幾個戶口啦
你可以喺間銀行嘅網業見到佢係咪FSCS scheme protected, 然後去以下網站verify
https://www.fscs.org.uk/check-your-money-is-protected/

Topcashback referral:
https://www.topcashback.co.uk/ref/eric_in_uk

Wise referral:
https://wise.com/invite/iwh/tinl135

Jamdoughnut referral
Use my referral code (AETF), to get 100 points with your first purchase. Download JamDoguhnut at: www.jamdoughnut.com

AE British Airway referral
https://americanexpress.com/en-gb/referral/tINFULXzcq?XLINK=MYCP

AE Explorer referral
https://americanexpress.com/zh-hk/referral/tINFUL0wgV?XLINK=MYCP

Curve referral:
https://www.curve.com/join

British Airway Executive Club
https://www.britishairways.com/....../about-the-club

歡迎Whatsapp我一齊研究
http://wa.me/447727669844

13/11/2022

銀行戶口篇(一)

首先, 英國同香港係有樣好唔同嘅地方, 香港係開儲蓄戶口(savings account)為主, 而英國係開往來戶口(current account)為主, 喺英國好多時你都係先開個current account, 然後再加個savings account

我識嘅人好多都會喺香港先開定個HSBC UK戶口, 方便將啲錢由香港轉嚟英國, 咁呢個戶口好多時都係current account, 而current account係冇利息嘅, 呢點大家要留意, 你要自己喺online banking度揀add savings account先會另外有個儲蓄戶口收息

不過, 當大家到咗英國後, 最好盡快開其他local bank account, 以防萬一, 同埋喺香港時, 可能都盡量用吓個account先, 例如俾錢朋友幫你買啲嘢, 以免當你真係要用嗰陣用唔到

HSBC UK係我見過最衰嘅銀行, 佢會成日block你嘅transactions, 尤其你係新開嘅戶口, 而人仲喺香港

case 1: 個客要租屋, 俾訂金地產公司, verify咗地產公司嘅戶口, transfer幾百鎊, 幾日都收唔到, 原來HKBC UK 「懷疑」個客被騙, lock咗佢戶口, 任何transactions 都做唔到, 要約英國時間, 落香港分行做身份認證, 然後先開返個戶口, 但係要重新再transffer訂金, 問哂英國話冇問題, 再做transfer又再block, 又要再落分行unlock戶口

case 2: 幫個客通過OpenRent租到間屋, 要預繳租金, 又係俾HSBC UK block咗, HSBC UK問點解要俾呢筆錢, 同佢講係租屋, 有埋租約
HSBC UK唔approve
HSBC UK唔approve
HSBC UK唔approve
佢話「驚」個客俾人呃, 同佢來回傾咗幾次, 收款方係OpenRent, 應該英國冇人唔識, 結果都係唔approve
最後申請個wise 嚟俾錢, 未有wise嘅可以用我嘅referral code
https://wise.com/invite/iwh/tinl135

case 3: 個客到咗英國, 有啲裝修要做, 過訂金俾我哋買嘢, 有invoice
HSBC UK唔approve
HSBC UK唔approve
HSBC UK唔approve
落UK 分行傾咗好耐, 講哂background, 個客話識我哋, 唔係騙案, 趕住買嘢, 結果都係唔approve

case 4: 個客到咗英國, 喺大網站Curry's / Argos / AO嗰啲, 買洗衣機, 俾唔到錢, lock咗戶口, 打去hotline攪咗輪, ok
再去另一個網站埋雪櫃, 又再次lock account

其他銀行當有「懷疑」嘅時候, 都會hold住先唔過數, 但係好快會同你聯絡, verify咗, 講埋免責, 就會放錢

===========================
但係HSBC UK係會以保障你為理由, 唔俾你動用你自己嘅錢, 有租約, 有invoice, well know嘅business, 佢都可以唔approve!

但係HSBC UK係會以保障你為理由, 唔俾你動用你自己嘅錢, 有租約, 有invoice, well know嘅business, 佢都可以唔approve!

但係HSBC UK係會以保障你為理由, 唔俾你動用你自己嘅錢, 有租約, 有invoice, well know嘅business, 佢都可以唔approve!
===========================

另一個要開其他戶口嘅原因係HSBC UK呢啲大銀行利息好低

Topcashback referral:
https://www.topcashback.co.uk/ref/eric_in_uk

Wise referral:
https://wise.com/invite/iwh/tinl135

Jamdoughnut referral
Use my referral code (AETF), to get 100 points with your first purchase. Download JamDoguhnut at: www.jamdoughnut.com

AE British Airway referral
https://americanexpress.com/en-gb/referral/tINFULXzcq?XLINK=MYCP

AE Explorer referral
https://americanexpress.com/zh-hk/referral/tINFUL0wgV?XLINK=MYCP

Curve referral:
https://www.curve.com/join

British Airway Executive Club
https://www.britishairways.com/....../about-the-club

歡迎Whatsapp我一齊研究
http://wa.me/447727669844