The Nice People Thread, No.16: A Universe of Niceness.

PasturesNew

chris_m wrote: »

Hey PN - did you remove your post calling the newly returned DT clown something wittily rude or did someone else do it?

Not me, neither did I get a notification I was on the naughty step.



Not returned to it ... so didn't know it's been deleted.

He is a distant finish though

Doozergirl

Is there a fudge van? I so wish I could use photoshop.



My first bank account was Girobank. Long before I could ever earn any money to put into it. I had a grey plasticky book.

GDB2222

chris_m wrote: »

Do you mean a brand new thread?

Assuming that you do, you need to go to the threads list on the board you want and there should be a "New Thread" button above the list.

Hint - if you don't enter a subject when creating a new thread the system will give it a title of your username, which can look a tad weird

Oh. I marked that post as spam. You think it's genuine?

Pyxis

GDB2222 wrote: »

Oh. I marked that post as spam. You think it's genuine?

Looking at the facts........... very first post on MSE is on this thread.
I'm no good at probability statistics, but...........



However, until a product placement is made, it might be as well to err on the side of chance encounters.

michaels

I am much too young to have ever paid for a bank account.

However MSE Martin wants to being back monthly charges rather than those who can be bothered to manage their money on a monthly basis being subsidised by those who do not as happens now

silvercar

michaels wrote: »

I am much too young to have ever paid for a bank account.

However MSE Martin wants to being back monthly charges rather than those who can be bothered to manage their money on a monthly basis being subsidised by those who do not as happens now

The benefits of mine outweigh the monthly charge. phone insurance/ travel insurance/ emergency cover/ airport lounge access.

Pyxis

michaels wrote: »

I am much too young to have ever paid for a bank account.

However MSE Martin wants to being back monthly charges rather than those who can be bothered to manage their money on a monthly basis being subsidised by those who do not as happens now

Out of interest, though, (no pun intended), how will bringing back back bank charges make people manage their money better?

Apart, possibly, from making people gravitate to banks with the lowest charges or none, if any should exist?

What I'd like to see is banks offering a decent rate of interest for savings/holding accounts. They've always had far worse rates than other institutions.

chris_m

silvercar wrote: »

The benefits of mine outweigh the monthly charge. phone insurance/ travel insurance/ emergency cover/ airport lounge access.

The onlt one of mine that does that (and the only one on which I pay a fee) is my Santander 123 - which I have for "some" interest and cashback on my bills.
I don't require any of the insurance, etc bundles.

chris_m

Pyxis wrote: »

Out of interest, though, (no pun intended), how will bringing back back bank charges make people manage their money better?

Higher charges for not managing their money better would be more effective, IMO.

Apart, possibly, from making people gravitate to banks with the lowest charges or none, if any should exist?

Which is precisely what I would do.

What I'd like to see is banks offering a decent rate of interest for savings/holding accounts. They've always had far worse rates than other institutions.

Indeed - it's a right PITA having to juggle money around to get decent interest on limited amounts.

Pyxis

chris_m wrote: »

Higher charges for not managing their money better would be more effective, IMO.
.

How would banks define not managing their money better, though?

If they get overdrawn, there are already high charges, especially if the overdraft is unauthorised.

Even if their account is always in credit, just, it doesn't mean they aren't spending all their money on non-essentials and running up debts to landlords, mortgage providers or utility companies.