Nice people thread part 5 - nicely does it

vivatifosi

PasturesNew wrote: »

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

I have never had any smutty pms. Maybe I don't have a pulse:o.
Mind you, I don't want any either.

Generali

Very hot, very humid here tonight, even at 10.30pm it's about 25C and probably 90-95% relative humidity. I'm sitting in the only room with aircon and I'm still hot! It'll be a cold shower before bed and hopefully I'll fall asleep before I heat up again.

I saw Dame Edna getting into a limo at lunchtime. I never recognise celebs so I'm quite proud!

As a bit of a long shot, do any of the nice peeps know anything about carbon credits and how you can sell them abroad? I'm looking into them in Aus and here you have to plant native trees to gain a carbon credit but AIUI I can plant trees and sell the credits abroad and use their rules.

chewmylegoff

PasturesNew wrote: »

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.

nationwide mysave account pays 3% or whatever (instant access - well instant in that a transfer out to your other bank's current account takes 2 days), and you can set it all up on line without having to send them any documentation or talk to anyone. well it worked for me anyway - just have to be on the electoral roll.

when the rate expires (after 1 year) you can just set up another one and transfer all the money across and get whatever "promotional" rate they are then offering. the best thing for me is that you can use the mysave account to set up a direct debit that will transfer the lump sum across - with many other savings accounts you have to transfer from the source account.

so with hsbc they will not let you transfer more than £10,000 at a time if you do it as a payment from your hsbc account, but with mysave i was able to transfer a much larger sum from hsbc to mysave by setting up a mysave direct debit without having to go into the branch with my passport (or without having to do enless days of £10,000 transfers, and losing interest in the process which i used to have to do when saving with egg).

pretty sure mysave is the instant access market leader at the moment. if it isn't then it's only 0.1% behind which makes no real difference.

PasturesNew

sss555s wrote: »

If anyone does want attention (male or female) then using your picture as your avatar normally works.

That's why I don't have one.... but, such is my magnetic personality that I still draw chancers to me

Generali

vivatifosi wrote: »

I have never had any smutty pms. Maybe I don't have a pulse:o.
Mind you, I don't want any either.

I've not had any smutty ones although I've had a couple of flirty PMs.

I've had plenty of abusive PMs though. I just delete them because I think people send them for the attention and I deny them the oxygen of publicity.

vivatifosi

PasturesNew wrote: »

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.

Hope toe gets better soon and that it isn't broken. I'm sure you've read this already, but just in case:
http://www.nhs.uk/conditions/broken-toe/Pages/Introduction.aspx

chewmylegoff

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:

i think that's how it used to work - all my family above a certain age on my dad's side bank at the same branch of the same branch somewhere for that sort of reason, can't remember where it is.

but the days of local bank managers having any sort of control over what happens are gone i reckon. all the decisions are made by mr computer, and mr computer says NO. i think the role of a branch bank manager is now roughly equivalent to the manager of a mcdonalds, or something like that.

PasturesNew

chewmylegoff wrote: »

nationwide mysave account pays 3% or whatever (instant access - well instant in that a transfer out to your other bank's current account takes 2 days), and you can set it all up on line without having to send them any documentation or talk to anyone. well it worked for me anyway - just have to be on the electoral roll.

Well, I asked her for the best rate ... and she didn't offer me that one.

chewmylegoff wrote: »

when the rate expires (after 1 year) you can just set up another one and transfer all the money across and get whatever "promotional" rate they are then offering.

You see, this is the kind of nonsense I don't have time for.

What an utter waste of everybody's time and money that they'd do that.

In a perfect world I'd have one bank and all my money with one bank in one well paid savings account, linked to a current account, with online and telephone banking available.

It shouldn't be rocket science should it.

Then there's ISAs. I never understood these and I think I've done it wrong. Each year I buy one, I think that I should have been keeping them together in one and just moving the one about.

One of my main issues has been the length of time it takes to open up accounts and provide (different) IDs and then wait for paperwork to arrive .... and my life's not been settled enough for that and many addresses I've had aren't secure enough for banking to come there. In fact, I move in 2 months and I'll be using a fake address again, one that's secure (sibling's house) - but then I'll be 400 miles from where any post arrives.

I also need one entire packing box just for all my unused cheque books, cards, statements, Welcome packs ..... when you open bank accounts there's a deluge of mail that arrives and it all just goes, often unopened, in the box.

purch

chewmylegoff wrote: »

I've never received any dodgy PMs I've been contacted a couple of times by people asking how to get into forensic accounting, and a couple more times by people trying to sell me something, but that's about it.

I used to get a lot of abusive PM's back in the Gold/Silver discussion (argument) days.......I never bothered answering them. (however it is a good way of finding out who is who in the sockpuppet world)

Have had quite a few asking interesting questions, usually about markets and other boring stuff, which I try to answer in my usual pithy/concise style :eek:

PasturesNew

vivatifosi wrote: »

Hope toe gets better soon and that it isn't broken. I'm sure you've read this already, but just in case:
http://www.nhs.uk/conditions/broken-toe/Pages/Introduction.aspx

I didn't read that, but I did make the decision that instead of paying £6-10 for parking at the Hospital to wait for an X Ray for them to say (at most) "yes it is broken, just don't stand on it".... I opted to spend that cash on food instead (hence having a 400g/£1 bag of broken chocolate biscuits and some bread rolls).

Food > paying for somebody to tell you there's nothing they can do.

I won - and ate!