Nice people thread part 5 - nicely does it

chewmylegoff

in the spirit of the attempts to keep the forum on topic, i was about to post something about the recent falls in the price of gold. but then i realised that we haven't had a precious metals invasion for a bit, and that would just be inviting the lunatics back into the asylum and making things worse...

vivatifosi

Doozergirl wrote: »

I think chewy is asking for attention then .

I don't know why, but I suddenly find chewy strangely attractive. Now all I need is for davesnave to change his avatar to Jose Mourinho, michaels to Clive Owen and all the sssssses to Robert Downey Jr and I'll almost be in hog heaven. Then, given he's in Aus, for Gen to morph into Hugh Jackman. sigh...

PasturesNew

It's mornings like this morning that prove to me that I shouldn't try to get best rates for my money at banks. I'd finally got round to sorting some of it out. So, armed with the information that the Nationwide have a savings rate of 2% and already being a customer, I thought I stood a good chance of achieving this rate/account. Well, this is how it's gone so far.

[1] Go into the branch to ask about it. Had to make an appointment.
[2] Spent 1.5 hours this morning attending that appointment.

Now at this stage, do I have that account? No. First they have to open up a current account and I have to wait up to 10 days for the account to be opened and for me to get the debit card and cheque book. Then, I have to contact the branch again and make another appointment. I then have to spend another 1.5 hours setting up the new account and moving the money from the current account into the savings account. Then, after about 10 days, a passbook will come through. You can only have that savings account, with that rate, if you've got a current account.

All very well if you're settled and established and your registered banking address is where you actually live, but mine's not. My stuff's all still registered at the old's house (I have no actual address here and as it was temporary I didn't want to be moving addresses at organisations and banks).

It's not easy is it!

I have dozens of accounts littered all over the place paying about 0.1% as when I signed up they paid more.

If banks simply offered one savings account that paid a good rate .... they could save millions in leaflets and opening/closing accounts for people and employing people to sit in branches to open/close accounts.

vivatifosi

Have been back to the docs this morning. Still having a bit of trouble with my back. I do now know for certain that it is a trapped nerve, possibly caused by a partial prolapse of a disc that I have an old injury in. I just wish it would go away. I don't like having a body that no longer heals instantly (well within a week anyway).

PasturesNew

chewmylegoff wrote: »

in the spirit of the attempts to keep the forum on topic, i was about to post something about the recent falls in the price of gold. but then i realised that we haven't had a precious metals invasion for a bit, and that would just be inviting the lunatics back into the asylum and making things worse...

I noticed the other day that silver's dropped too.

I never bought gold. But then I kind of never really understood/knew how to. People who 'invest' and understand all these things think it's easy to get your head round stuff, but in my experience it's "better the devil you know" than taking a risk on something happening that I didn't understand and lose the lot.

Part of my inheritance is some Northern Rock shares..... and that was about as good as it got

PasturesNew

Time for a toe update I guess .... well, HUGE black bruise but today I don't seem to have any pain (certainly not going to stand on it now, just to check for you lot). So I think I probably didn't break it - hurrah!

Ferkin hurt when I did it though .... and the next two days.

PasturesNew

Doozergirl wrote: »

mr broderick asked me about five years ago to send him some, ahum, pictures. I said no,which didn't stop him from asking if I wanted to see some of him. Thankfully, he didn't send me any.

Ha ha ha ... did he? I certainly received some 'friendly' PMs at the time and did my 'ignore strategy'. Seems I was right there then

Clearly, as he asked me, he's got zero taste and is simply seeking "anybody with a pulse".

zagubov

Regarding bank accounts I always heard you should keep your main account in whichever was the poshest place you lived.

Allegedly bank managers in those areas are more jused to customers paying off thier debts eventually and are more willing to allow overdrafts if needed.

Got no figures to back this up though.:cool:

PasturesNew

Davesnave wrote: »

Originally, we did have a little old lady with a pencil to do the job, so each label was, in a sense, unique. On the other hand, the little old lady was also like the computer in that she didn't think about the stuff she was writing, especially the repeats.

Who owns the copywrite to that? If you do, you could produce/sell little plant labels... little sticks. Transpose the hand-written onto little sticks, and flog them with an enviro-green-yoghurt-knitting air about them and charge 4x what they're worth

PasturesNew

zagubov wrote: »

Regarding bank accounts I always heard you should keep your main account in whichever was the poshest place you lived.

Allegedly bank managers in those areas are more jused to customers paying off thier debts eventually and are more willing to allow overdrafts if needed.

Got no figures to back this up though.:cool:

My sibling went mad at her bank for not sending her a new cheque book a few years back. They hand delivered a new cheque book to her office, that day, along with a huge bouquet of flowers. Apparently she's on the system as a "peach".... as they have secret little names for groups of customers they want to suck up to.