Breaking Through, Travelling On

Karmacat

:rotfl::rotfl::rotfl: It does, doesn't it I guarantee you I don't, its ex-LA, I'm just referring to the route a client takes to get to the counselling room

[Deleted User]

Our posts crossed in cyberspace:rotfl:. Just added slug-prevention link to my previous post.

Karmacat

Thanks for that, CBC, thats a good summary of what's what. Everything needs upkeep, though - yesterday, I found a lovely picture of my scabious plant, clear soil and surrounded with a thick ring of eggshells ... erm, its disappeared at the moment, though I have hopes I'll find it again

edinburgher

I read somewhere that cats are very wary of rats.

One of these cats once caught a fully grown *magpie*!

Walked over with a !!!! eating grin (and a mouth full of magpie) as if to say 'what do I do now'? Eventually the magpie was allowed to escape minus his dignity and quite a few feathers :rotfl:

He was so proud of himself that day.

Karmacat

Morning campers :hello:

**yawns**

Cloudless sky though

Right, I have to focus *properly* on the financial admin this morning, I can recognise that I'm in avoidance mode, as I loathe doing it so:
- M&S credit card has to be activated (and I think spent on, before the end of the month anyway).
- Newcastle BS are lowering my ISA rate from 2% to 1% :eek: surely there's a better one than that around? Transfer needed.
- the biggie. The new ISA for money I caretake ... find a place to put it, get agreement for the move, do the move, thats going to take a million years _pale_
- Mastercard - get it online, access code received.
- Nationwide ISA - take the next steps to getting it online, though they're blathering about a card reader, I might transfer that too, they're making it so difficult _pale_ And there's another letter from them too - *their* ISA rate is going down from 1% to 0.5% :eek::eek::eek: right, I'm off :rotfl::rotfl::rotfl:

There's also weeding (around food plants, therefore mse), and a supermarket trip involved ...

Drat, I just read this, that I wrote yesterday:

I'm going to do all of that at/near my equivalent of lunchtime - the main parts of the day need to be focussed on earning money by writing etc.

I'll do *one* of the finance ones!

edinburgher

KC, tax dark aside, are you probably not better off using current accounts?

Alternatively, could you not consider paying some of the ISA monies into a pension for the instant uplift and then withdraw a chunk once you hit retirement in the near future? You could use a fixed interest or cash fund or similar to try and limit the likelihood of any short term falls.

Karmacat

Ed, how do you mean, use current accounts? The Regular Saver thing, where you get a 4%p.a. rate of interest when you put money from your current account into a linked saver? I'm doing that with my HSBC account ... I have a cahoot current a/c too, I'll check if I can do that.

Or yes, I could just pay in to a pension fund, and transfer the pension fund to cash/fixed interest, as you say. UK govt bonds? I've just seen the news this morning that 2 year *Greek* government bonds are up at 29.7% or something!!!! Don't think I'll be touching those!

Thank you for the suggestions, I appreciate it. I'm just off to teh supermarket now, to avoid the lunchtime fiddle faddle ...

edinburgher

Re. current accounts, I meant even more generic. You can get 5% on £2k @ T5B, 4% on £5k? at Ll0yds and 3% on £20k @ S@ntander.

I wasn't thinking of govt. bonds when I mentioned fixed interest, more something like a hedged global bond fund.

I wouldn't worry too much about Greek debt at this point, their credit rating consigns them to the 'junk' bin. As long as you stick to investment grade bonds, there shouldn't be much exposure.

Karmacat

Aha :j

Thank you Ed, much appreciated, I'll hoof off and do some research right now.

Incidentally .... The Cumin Has Landed :j

Karmacat

This time, I had the "choose version" update button, thank heavens. No drama for me

I've applied for the Santander 123 account ... will need to set up regular payment in, regular payment out, and a couple of direct debits - it looks like they pay most cashback on telecoms, so I'll probably do the broadband and the mobile. That feels a lot safer, pulling that money out of stocks, at the stage I am right now, its about safeguarding capital and getting a fair return, not a mahoosive one. Not sure whether to apply for the other one I've chosen, TSB Classic Plus, straight away or wait ... Nationwide and Newcastle are going to fund that, and then a pension payment, I think - can't put them in with the money I'm caretaking.

So, as far as my to-do list for today is concerned:
- M&S credit card: activated and online, but I can't read the pin, it scraped off by the time a reminder comes along, I'll be *amazed* if the offer I originally opened this for is still available :rotfl:

- Newcastle BS are lowering my ISA rate from 2% to 1% :eek: surely there's a better one than that around?
Waiting for the Santander 123 account to be approved. Then I'll pull this out.

- the biggie. The new ISA for money I caretake ... find a place to put it, get agreement for the move, do the move, thats going to take a million years _pale_
And it didn't take a million years thanks to Ed! Application for S 123 is done, but I have to talk to family about it, make sure everyone knows I'm not tea-leafing.

- Mastercard - get it online, access code received.
Not done that yet today.

- Nationwide ISA - their ISA rate is going down from 1% to 0.5% :eek::eek::eek: right, I'm off :rotfl::rotfl::rotfl:
Not doing anything on that right now, thats back on the "TBA" pile till Santander come through


Okay, thats pretty bleeping fantastic :j Off into the sunshine now.