Breaking Through, Travelling On

themadvix

:eek: to rats KC!! I definitely wouldn't want them taking up residence Hope they 'move on' soon. Fancy rats are a completely different kettle of fish as far as I'm concerned...

Karmacat

carbootcrazy wrote: »

I know you said the cat sitting had been problematic (allergy wise wasn't it?) even though you loved the experience of getting to know and win the trust of the cats you cared for. Instead, have you thought of house-sitting? Friends of mine do it from time to time and have what amounts to free holidays in wonderful parts of the country and in houses that they'd never be able to afford themselves;). None of them have resident pets, the most onerous caring duty is watering plants:rotfl:.

Thanks CBC! It's a good idea - I've been thinking about what I said, and I've concluded that I've overshot on the idea of how healthy I am, the travel, the worry about somebody else's house (those potential stain marks from cups on the table!) none of it is right for me right now. Pootling about in my own little house, I'm okay apart from rats and cluster flies and arachnids but I honestly think self employed writing is the only thing thats possible for me right now. I'd *like* to catsit and housesit, but they're both a bit stressy right now. I guess I have to think about the stresses of the last year - illness, retirement, bereavement, house maintenance problems - and just be kind. It'll happen if its right for me, but thank you for thinking it through for me :kisses3:

Suffolk_lass wrote: »

I don't mind saying here. We have a split between 3 funds that are 40% in bonds -
1. Vanguard Inv UK Lifestrategy 60 per equity
2. Capita Financial Woodford equity Inc Stg Acc (there's an Inc one too)
3. F&C Fund Mgmt Ltd Global Bond Acc

The F&C one has been more sluggish but has more bonds and more outside the UK. If I were retiring I might switch some to the new Woodford fund that was launched in April and is specifically aimed at income. This is the page. http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/c/cf-woodford-income-focus-income

Thank you! My web access has been playing up this morning (another thing that needs fixing!) so I haven't looked at those yet, but I will). Much appreciated.

themadvix wrote: »

:eek: to rats KC!! I definitely wouldn't want them taking up residence Hope they 'move on' soon. Fancy rats are a completely different kettle of fish as far as I'm concerned...

Yep Much less scratching about last night, but the, um, aroma is still around, in the house itself can't wait for the guy to get here on Friday. My colleague is here on Thursday, but he has no sense of smell cos of a past illness, so hopefully he won't be able to tell :rotfl:

Karmacat

Hurray! The first of the financial thingies is done: ISA transfer application processed. 3 year fixed but it's on Martin's best buy list even tho it seems a crazy low rate of interest.


ETA - I've also just opened the Virgin Regular Saver - more than a percentage point above the ISA!

Going to do the next bit soon, de-risk the stocks and shares isas and pensions, but I need food first, and I need to take on board what Suffolk Lass has kindly shared



EETA - first thing was to check what I've actually got, in terms of pensions and the single remaining S&S isa. Just checked the smallest account, and I'm going to leave it how it is for now - Standard Life, a fund of funds, the largest component is only 9.6% of the total. That might not be appropriate once I have all the information, but I was never going to move entirely into cash, and a fund of funds seems a good thing to have.

Shutting down now - Other things are calling me. Need to get out Hope everyone has a splendiferous day.

gallygirl

Are you going to be paying tax at all KC, bearing in mind the increased allowance and first 1k of interest tax free? Would you not be better with just an ordinary regular saver?

Karmacat

I can't imagine I'll pay tax, Gally - I'm opening the Virgin Regular Saver because I've already got one with my own bank. Or do you mean why bother with the tiny ISA rate? I'm not using fresh money for that, I'm transferring a matured ISA ...

Just spent an hour in the garden tidying the worst of some of the weeds. That may have something to do with the fact that my sister's coming round tomorrow :rotfl:

gallygirl

Karmacat wrote: »

I can't imagine I'll pay tax, Gally - I'm opening the Virgin Regular Saver because I've already got one with my own bank. Or do you mean why bother with the tiny ISA rate? I'm not using fresh money for that, I'm transferring a matured ISA ...

Just wondering why you are bothering with an ISA at all as you're not a tax payer - wouldn't you be better off using the funds in decent interest yielding current accounts?

Save

Karmacat

I hadn't clocked that it might well be wiser to do that :o:o thank you.

Just as well there's a cooling off period.

I love mse :j

earthgirl

Sorry no good at helping with stocks etc other than to say Martin has a age on how to get the best percentages -which provider etc. Good luck !

ZTD

gallygirl wrote: »

Just wondering why you are bothering with an ISA at all as you're not a tax payer - wouldn't you be better off using the funds in decent interest yielding current accounts?

Or all of the above.

There are a number of regular savers, but some are tied to current accounts. The T&Cs on current accounts vary, some require DDs, others just need a certain flow of money.

So, take £2,000 from savings, push it into Current Account A (which has a carefully crafted amount of money already in it to maximise interest), which moves it to CA-B, which splits some off into a Regular Saver, and the rest into CA-C, which does the same, but diverts to CA-D which has a couple of DDs, and a sweep back into Savings...

Just be careful, I had enough regular savers last year that my CA ended up feeling very poor...

ZTD

Karmacat wrote: »

Hurray! The first of the financial thingies is done: ISA transfer application processed. 3 year fixed but it's on Martin's best buy list even tho it seems a crazy low rate of interest.

I would try to avoid having anything fixed over the "Brexit" cut-off. Yes, it could all going swimmingly, but equally there could be carnage.

Hopefully the EU "bail in" provisions will be the first thing to be shot behind the bike shed...