Ecstatic Laughter In The Evenings

David.

Tinyshoes wrote: »

If I remember rightly you only have one tooth left, guess you want to keep that one.

and its not sweet

David.

TrulyMadly wrote: »

Is there another one?:p

Well there maybe who started the thread

karlie88

David. wrote: »

Hacked clubcard accounts Maybe

Yep...was my thinking too.

Or someone who does a heck of a lot of wombling.

tweets

Good Morning

There is a strange orange thing in the sky is it a UFO ? :rotfl::rotfl::rotfl:

Candy new levels even worse than last night. This morning I lost my 5 lives quickly :rotfl::rotfl: Still on first level.

David.

ilovegreatdanes wrote: »

Please accept my sincere apologies PD :A I have edited all comments and they are just making fun of me:( infront of David:eek: I will never live it down
HI, DAVID :T it wasnt me....im in a5da buying rice.i read it was good for moisture.....and face powder to cover up a red face:embarasse

Never apologise to PD she is not worthy :rotfl: She is all woman though

s4mmy

Picasso7 wrote: »

Good morning. Trying to put a CC together. Carver ham seems to be comparing well again, thank you! Does this work on CC please and is it the ASDA Deli Carver Ham on the website please? Thanks in advance.

Good morning
I think that it will work on a c&c as it's on MSM. Sorry I don't know how to post links but it's on both MSM and Asda website.

S4mmy

tweets

MrsBartolozzi was yesterday's smartest player!

26 players played

http://www.funtrivia.com/private/main.cfm?tid=99008

Today's Topic (Thursday): Music 1 : Easier

Enterprise_1701C

tweets wrote: »

Good Morning

There is a strange orange thing in the sky is it a UFO ? :rotfl::rotfl::rotfl:

Candy new levels even worse than last night. This morning I lost my 5 lives quickly :rotfl::rotfl: Still on first level.

Promise you won't shoot me :D:D

mhoc

Nationwide sent me a savings watch email yesterday to say the Loyalty saver interest rate had gone down 1.2% :mad: - this was heralded as a tired account for long service members - the top rate for people who had been with Nationwide for over 15 years - I don't know what infuriates me more - the name of the account or the dropping interest rate or both.

It was good enough to start with but then after the first cut in interest rate I started a Nationwide regular saver so the Loyalty saver has been feeding it ever since - moving money from one jam jar to a more brightly coloured jam jar.

The main use I had for the Loyalty saver was as a temporary holding jam jar. We get paid every 28 days so some months, as is happening now we get paid mid month and so I would move most of the salary across into the Loyalty saver until bills day came along and then it would get shuffled back across.

Now though I've upgraded the current account to a Flex plus which is one of those packaged bank accounts - various insurances including car break down and also worldwide travel - (it costs us £10 a month but I was paying that for the previous travel insurance anyway)
Flex plus also gives 2.5% a month in interest (for balances up to £2500) - sadly partly taxed at the moment as its a joint account. Even so it still works out better than the miserable 1.2% on the Loyalty saver.
It also means the salary can sit there in the current account whatever day of the month it arrives and I don't have to move it back and forwards on the correct day and worry about making sure the current account has enough in it to cover bills

Now though with the latest drop I think I might as well find a fixed rate ISA for the 2015 tax year and use what is left in the Loyalty saver for that.

Mind you I am not even sure about the ISA because even the best rated long term fixed rate ISAs only pay a smidge over the 2% rate but the regular saver is paying 2.5% - I wonder if that interest rate will also drop ...

juju17 wrote: »

I read an interesting article in moneymail yesterday.
As you are aware from April 2016 basic rate tax payers will be able to earn £1000 in interest from their saving before paying tax (£500 for higher rate tax payers).
You can start a regular monthly type savings account after April 6th this year, where the interest does not get added until April 6th next year, at the end of the year term.
Although the interest has been earned in the previous tax year, it is when it is added to the account that counts, so it will come under the new rules and count towards your tax free allowance.
So if you start your plan this April 6th, the new allowance rules will be in place by the time you get your interest.
Hope I have managed to explain that in a way that makes sense?
Any opportunity to pay less tax is good for me.

Enterprise_1701C

Enterprise_1701C wrote: »

Promise you won't shoot me :D:D

Okay, you shot me :rotfl::rotfl::rotfl: