I got back late to my hotel room on Tuesday night after one too many champagne receptions, some red wine – and some of the best pieces of lamb I can remember – in a bit of panic. It’s coming close to the end of the month – and I hadn’t paid myself a salary or done my dividend transfer. Looking at the date, it became clear a BACS transfer was going to be too slow. So I was on my cell and calling HSBC to pay £20 for an instant transfer for funds! It beats me that in this modern age – the banks still apply the same waiting period for electronic BACS transfers as they did for cheques in the 1970′s.