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Unread 4 Apr 2006, 12:54   #1
Dace
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I have done an incredibly responsible thing today

I got up early and i went to the bank and i transferred £3k from my current account into a cash ISA.

5% is better than the shitty point whatever % that you get in a current account etc.

Today is the last day you can put money into an ISA for tax year 2005-2006 by the way.



[/public service announcement]
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Unread 4 Apr 2006, 12:55   #2
Dante Hicks
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Re: I have done an incredibly responsible thing today

You have £3k?
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Unread 4 Apr 2006, 12:56   #3
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Re: I have done an incredibly responsible thing today

I heard.

Didn't comply.

My money is still in my piggy bank (nearly 3k in a space of a year).
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Unread 4 Apr 2006, 12:59   #4
Dace
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Dante Hicks
You have £3k?


I've still got £1250 left in my account (it is the start of the month tho).
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Unread 4 Apr 2006, 13:00   #5
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Re: I have done an incredibly responsible thing today

dace has been selling drugs to schoolchildren again
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Unread 4 Apr 2006, 13:00   #6
Dace
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Blastoderm
I heard.

Didn't comply.

My money is still in my piggy bank (nearly 3k in a space of a year).


You're being daft duder. Go along to the bank on your lunch break or something.
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Unread 4 Apr 2006, 13:02   #7
Dace
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by roadrunner_0
dace has been selling drugs to schoolchildren again


Actually it's my poker money that i withdrew about 6 months ago.

But yeah ...

"Crack ... it's no addictive 'cause yer only smokin it" etc
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Unread 4 Apr 2006, 13:04   #8
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Re: I have done an incredibly responsible thing today

That does sound quite responsible. Unfortunately I have -£16 at the moment, until my birthday cheques are cashed. Once they are, I will be spending them on enough baked beans and ribena to last me 3 weeks and 15,000 words.
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Unread 4 Apr 2006, 14:04   #9
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Dace
You're being daft duder. Go along to the bank on your lunch break or something.
The 3k is the savings I've had in a year. I always have around 1k left in the bank account to pay bills, transport, entertainment, etc.
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Unread 6 Apr 2006, 22:52   #10
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Re: I have done an incredibly responsible thing today

Continuing on with my "responsibility drive" ...



On Tuesday that guy who i set up my ISA with arranged a meeting for me with a Financial Adviser.

I turned up and basically the "financial advice" i received was me telling him i wanted to put £100 a month into an ISA for this year and start it off with a £250 lump sum.

I then asked about mortgages.

Apparantly i have to see a "Mortgage Specialist" for that.

My grown up adventures continue next Thursday (so stay tuned).



[/inane shit]
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Unread 12 Apr 2006, 22:51   #11
Dace
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Re: I have done an incredibly responsible thing today

I've just been thinking. I'm turning up to see the mortgage adviser tomorrow wearing my usual attire (hoody and jeans). Is this liable to cause a problem? I don't really care* (and i DEFINATELY don't care enough to wear a suit) but was just wondering if i should be prepared for a cold reception.








*my opinion is that i'm the god damn customer so **** the man if he wants me to dress up
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Unread 12 Apr 2006, 22:57   #12
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Dace
I've just been thinking. I'm turning up to see the mortgage adviser tomorrow wearing my usual attire (hoody and jeans). Is this liable to cause a problem? I don't really care* (and i DEFINATELY don't care enough to wear a suit) but was just wondering if i should be prepared for a cold reception.

*my opinion is that i'm the god damn customer so **** the man if he wants me to dress up
we can't predict how someone we don't know will react

it's certainly traditional to dress up to see a bank manager. You might consider yourself a customer but you aren't. You are a potential economic liability and you need to pursuade this person to trust you with large sums of his bank's money.

on the other hand this person might have a fetish for men in hoodies ...

who knows
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Unread 12 Apr 2006, 23:02   #13
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Re: I have done an incredibly responsible thing today

ohhh well, i'll compromise and wear what i normally wear but shave too.
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Unread 12 Apr 2006, 23:03   #14
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Re: I have done an incredibly responsible thing today

Not that it helps you any now but Alliance & Leicester seem to be the best Direct ISA to go for at the minute with 5.2%. At least they were when I was researching it the other day.
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Unread 12 Apr 2006, 23:06   #15
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Yahwe
on the other hand this person might have a fetish for men in hoodies ...
A chav fetish?
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Unread 13 Apr 2006, 12:44   #16
Dace
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Re: I have done an incredibly responsible thing today

The Man doesn't care about my appearance. All he cares about is my wage slip. My wage slip says that i can borrow £79k (which is approximately 5x my earnings). This is payable over 39 years. Fixed interest of 4.5% for 2 years. Standard rate is 6.5%. I can over-pay up to 10% of the remaining balance each year. If i over-pay by £150 a month, paying a monthly mortgage of £500 per month which is what i had intended on paying minimum anyway, i pay it off after 20 years. After the 2 year period i can remortgage (to 25 or 20 years or whatever or even borrow more). Just throwing this info "out there" for the likes of Lambie and anyone else thinking about getting a mortgage any time soon.
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Unread 13 Apr 2006, 13:54   #17
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Dace
The Man doesn't care about my appearance. All he cares about is my wage slip. My wage slip says that i can borrow £79k (which is approximately 5x my earnings). This is payable over 39 years. Fixed interest of 4.5% for 2 years. Standard rate is 6.5%. I can over-pay up to 10% of the remaining balance each year. If i over-pay by £150 a month, paying a monthly mortgage of £500 per month which is what i had intended on paying minimum anyway, i pay it off after 20 years. After the 2 year period i can remortgage (to 25 or 20 years or whatever or even borrow more). Just throwing this info "out there" for the likes of Lambie and anyone else thinking about getting a mortgage any time soon.
You'd have killed yourself for writing this a few years ago you know.

how things change
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Unread 13 Apr 2006, 14:02   #18
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Nodrog
You'd have killed yourself for writing this a few years ago you know.

how things change


The mobile phone was the beginning of the end ;'(
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Unread 13 Apr 2006, 14:06   #19
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Lister
I could have been on that slippery slope: hankering after pine kitchens, sleeping on futons, eating tapas! Who knows where it could have lead? I could have started having "relationships" with people instead of going out with them. Got married, got on the property ladder. God almighty, who knows where it could have ended? Next thing you know, I'm playing squash every Tuesday night with a bloke called Gerald!
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Unread 13 Apr 2006, 14:09   #20
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Dace
The mobile phone was the beginning of the end ;'(
One morning 10 years from now, you'll wake up half an hour early for the first day back at work after your latest promotion. You'll dress quickly, and kiss your sleeping wife goodbye. You'll shave, have toast for breakfast, and get in your brand new car. As the morning sun shines through the window and catches your eye, you'll smile happily to yourself and think: "today is going to be the best day of my life".

Last edited by Nodrog; 13 Apr 2006 at 14:50.
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Unread 13 Apr 2006, 14:13   #21
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Dante Hicks
.


i've never drunk in a wine bar (and hopefully i never will) but yeah :(((
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Unread 13 Apr 2006, 14:15   #22
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Nodrog
One morning 10 years from now, you'll wake up half an hour early for the first day back at work after your latest promotion. You'll dress quickly, and kiss your sleeping wife goodbye. You'll shave, have toast for breakfast, and get in your brand new car. As the morning sun shines through the window and catches your eye, you'll smile happily to yourself and think: "this is the best day of my life".

i can almost taste the jam
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Unread 13 Apr 2006, 14:54   #23
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Nodrog
One morning 10 years from now, you'll wake up half an hour early for the first day back at work after your latest promotion. You'll dress quickly, and kiss your sleeping wife goodbye. You'll shave, have toast for breakfast, and get in your brand new car. As the morning sun shines through the window and catches your eye, you'll smile happily to yourself and think: "today is going to be the best day of my life".
Hang on a min, Dace will have a wife?

Thats taking the story a bit too far :/
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Unread 13 Apr 2006, 14:56   #24
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Dace
i can almost taste the jam
That is not jam dude
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Unread 13 Apr 2006, 15:01   #25
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Game^
Hang on a min, Dace will have a wife?

Thats taking the story a bit too far :/
"sleeping" wife.
The drugs still won't have worn off
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Unread 13 Apr 2006, 17:46   #26
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by Game^
Hang on a min, Dace will have a wife?

Thats taking the story a bit too far :/


The other day I was actually thinking about getting married. I saw some guy wearing a t-shirt with Papa Lazarus and "You're my wife now" on it. It got me thinking about putting the inscription "You're my wife now" on the inside of the wedding ring i give to my wife*. The thought amused me enough that i think i might actually do it*. I'm sure if i ever find someone who wants to marry me they'll find the quote amusing too. Even if they're not amused by the thought i think i'd play the whole "you're getting everything you want at this wedding, this inscription is all i want" card \o/











*if i ever get married
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Unread 13 Apr 2006, 18:38   #27
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Re: I have done an incredibly responsible thing today

Since you are going on half-time at work, maybe you could work out the same thing with a wife, just being married on a part time basis. It's worth looking into.
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Unread 13 Apr 2006, 19:12   #28
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Re: I have done an incredibly responsible thing today

Quote:
Originally Posted by dda
Since you are going on half-time at work, maybe you could work out the same thing with a wife, just being married on a part time basis. It's worth looking into.


Do you think i could choose what parts of the relationship time i wanted (sex and sleeping) or would it be the same ratio of shit just less of it?
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