Breaking Through, Travelling On

duchy

Morning KC
Just popping in for a quick de-lurk

Karmacat

:hello::hello::hello: I didn't know you still lurked, hiya! Off to push the linkie to your profile and see where else you're lurking :j How you doing, duchy?

Karmacat

Oops, the only thing that got done was the client work, so far today - I was cleaning, honest I was, and a whole load of goop fell on the floor ... it was so beyond the pale, I ended up taking a shower not something I'm fond of less than an hour before a client arrives!

Right. Weeding and paperwork. See ya.

Cheery_Daff

Eek, goop on the floor doesn't sound good! Still sounds like you got some useful things done :j

Alchemilla

Nice weeding weather.

gallygirl

Sealant?

Karmacat

gallygirl wrote: »

Sealant?

You really know how to cut to the chase, don't you, Gally :rotfl::rotfl::rotfl:

Okay, I give in :kisses3: This is my amended to-do list, the original made at 11.30 last night on my phone does *not* include the sealant :rotfl: :

- apply for coventry isa
- start to get money from Royal London
- SEALANT
- banking, and Iceland for broccoli :j

Have a rest.

- blogpost
- check out the copywriting book I reserved from the library, its due back next week
- weeding. And laying down the bark chippings, if I can join up any of the weeded bits.

Have another rest.

Karmacat

Update:

[STRIKE]- apply for coventry isa[/STRIKE] done!

[STRIKE]- start to get money from Royal London[/STRIKE]
phoned them for the details of what's where. I hate, hate, hate talking to financial companies. Slight rant deleted here.

- SEALANT
cupboard emptied onto the drainboard (which means I *have* to do it now ) and sealant is staring at me.

Thats it for now, I'm having some pasta before I explode (holding back a rant is really difficult :rotfl:).

I'm also terrified - that money has shot up in the last 6 months, after it took a 10% hit - by putting it back into cash, I'm denying myself those potential gains. But the keyword is "potential".

And investopedia reminds me, not only this http://www.investopedia.com/terms/s/sequence-risk.asp
which Ed told me about, but this http://www.investopedia.com/ask/answers/08/risk-retirement-profile.asp

The money isn't at the conservative 60% stocks/40% fixed yet, and this is helping that balance along. Still, I'm going to wait till I get the nod from my sister, she's involved too.


ETA - the sealant was the wrong type - can't be used with plastic pipes so I've used polyfilla exterior - god knows if that will hold, but at least it won't eat the plastic:cool: not finished yet, it needs layers. Once I finally knelt down to it, it took about 3 minutes, even tho I couldn't see (its under the sink after all! Imagine reaching to the wall underneath the sink :rotfl:).

edinburgher

I also hate talking to financial companies, hence the focus on DIY. When I opened my CB account (lasted all of a year until the sods dropped the rate), I had to have an honest-to-goodness branch appointment with an annoying wee spiv who didn't listen to a word I said.

Remember to adjust your ratios of riskier/less risky assets as you go. For example, if you have a 60/40 fund with a big wodge of cash, you're not 60/40.

Karmacat

Thanks Ed! I know whereof you speak look what I just typed up in my new GTD list:
Pension funds
make sure I have all the details available
make sure I know what they're invested in
Savings
make sure I have all the details available

make sure I know what they're invested in

And I'm glad someone else really hates talking to them!

Just came back to check out my list for this afternoon: the blogpost, copywriting reading and weeding. Ug! Okay, weeding it is, then. I might force myself to have a second coffee to read that copywriting book