- Location
- Somewhere wet & hilly in NW England.
Similar here; we had quite a lot in them for a couple of years and overall they were a waste of time vs our other investments.
All sits in a 5.25% FRB now.
The Retirement Thread
- Thread starter Dirk
- Start date
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Similar here; we had quite a lot in them for a couple of years and overall they were a waste of time vs our other investments.
All sits in a 5.25% FRB now.
numbnuts
Squire
- Location
- Gone over the hill and far away
Morning, washing and ironing done, aloo gobi cooked and now in the freezer, didn't check the bonds as I already know the answer 
all I have to do now is wash the kitchen floor and I'm done.They say we will have rain, so I may try to get a walk in before that.
numbnuts
Squire
- Location
- Gone over the hill and far away
Walk cancelled due to 
no fun getting wet
no fun getting wet 
welsh dragon
Thanks but no thanks. I think I'll pass.
My back is hurting. Bending over the table, cutting and pinning curtains. I have 1 more to do. I will do that later .....much later 
welsh dragon
Thanks but no thanks. I think I'll pass.
Steak egg and fries today.
I have done a load of washing. I'm keeping an eye on it as we are supposed to be getting rain and thunderstorms according to the weather ap
I have done a load of washing. I'm keeping an eye on it as we are supposed to be getting rain and thunderstorms according to the weather ap
classic33
Leg End Member
Well, if we can have beef tomatoes, why not steak eggs!
D
Deleted member 1258
Guest
Another good workout at Yoga this morning, two weeks summer break now, apart from one shower the rains held off, and we've been out to lunch, we had that one shower as we got of the bus and crossed the road to the cafe, the carers were just leaving when I got back from yoga, our regular carer has been grumbling that our settee is too low, its already been raised once, now its going to be raised another couple of inches, shame I missed the meeting, my Good Ladies been more her normal self lately so it might have got entertaining, plus I had a couple of things I wanted to mention.
Drago
Legendary Member
- Location
- Suburban Poshshire
Ironing done!
- Location
- Somewhere wet & hilly in NW England.
Mo1959
Legendary Member
- Location
- Perthshire,Scotland
PaulSB
Squire
- Location
- Chorley, Lancashire
I would agree with you today now interest rates have risen but feel in recent years PBs have represented reasonable value. If I think back a few years to when cash savings earned virtually nothing we found PBs gave a very good return for the cash we wanted readily available. Our annual return was 1.75-2.0%. This was in the times when one needed to run multiple bank accounts just to earn £30pa off a £1000. Money we were able to tie up for longer was better invested elsewhere.
I am planning to cash ours in, Ernie must have read my mind with today's win, as I'm sure we can pick up around 4% on instant access or 30 days.
That's the grandson seen off. I booked tickets from Poole to Kings Cross and we took the underground. His train originated at Kings Cross so I escorted him to his reserved seat and got him settled. Had a word with the guard snd he said he'd keep an eye on him. His train terminates in Leeds and his dad is meeting him off the train so no worries about him ending up in Edinburgh 😉
I've messaged him and he is enjoying his journey.
I've messaged him and he is enjoying his journey.
- Location
- Somewhere wet & hilly in NW England.
It is good News that rates are getting back to a more sensible level. Will be interesting to see what happens tomorrow too.
We have run well under our projections, made in the early 2000's, since around 2011/12. We favour long-term ISA's & FRB's which protected us for a while post 2008 but are now causing us to lag behind slightly since rates have gone up.
Some ISA's we have taken the penalty hit re early closure and opened new ISA's at better rates. Back of fag packet calculations used!
The FRB's obviously have to go full term hence the drag. The worst is a BLME bond that we took out at 1.7% when rates were rock bottom with a 7 year term!!! Still 4 years to run - we all make mistakes although no one could predict the war! It's a 'biggie' so a bit of a bummer. Cest la vie.
