Sunday, April 16, 2017

Easter 6ee:

On apple blossom (well, it was on Friday afternoon, it's too cold today):

Easter 6eekeeper (spot the 6ee - clue: it's on the RHS):

Easter eggs (I knew the cheese wasn't enough for the Easter 6eekeeper):

Whoever decided on R4's programming today must have been in a strange mood: this morning, punk women (and how that time feels as if it is being re-run right now), at lunchtime, how members of the Church of England caused Brexit. Holy god, the timing, what were they thinking? I think Feedback is off the air for a while... pity, it would have made for interesting listening... or maybe the editor was hoping they were all in church...

We had a little rain on Friday night. The first since we got back from SA nearly 4 weeks ago. None today. It is so dry it is scary. And yet - the three district councils on whose borders we sit are beween them planning to build 22,000 new houses within a 5 mile radius of here in the next 17 years. Madness.


Friday, April 14, 2017

Easter worship

He has risen:

From Bodmin to The Coven via Exeter and Tamworth, in 17 hours.
Logistics at their best (although going to Tamworth seems a bit off-route, they are my favourite breed of pig).

My favourite cheese (and the garlic wrapped one is totally different to the nettle covered original).
Who needs chocolate?


Tuesday, April 11, 2017


So, March disappeared.

I've fallen out of love with the internet.

A lot of the email that people send to me is bouncing. While that is a great advantage for the hundreds of unwanted emails I get each month from companies that I've bought from before, it is a huge problem for people who only know only one e-address for me.

Because I hate Google (and everything connected to it, including gmail), I use a couple of domains, that I've owned for almost 20 years, for email forwarding to a catch-all mailbox from whatever ISP I am using at any time. It saves having to change emails each time I change ISPs.

But, apparently some Russian spammers have been sending emails using adddresses from both of these domains as an alias (so, not sending it from them, but putting them in the 'sender' field to make it look as if their emails come from me). This has led to recipients marking them as spam, and some ISPs and some individual's adaptive spam filters then blocking/bouncing my emails.

Some email programmes don't have a 'whitelist' facility. I use Thunderbird and its 'adaptive spam filter' is switched on by default, and turning it off (which involves a great deal of searching in its bowels) seems to be the nearest I can get to fixing it.

But, if I don't know someone is having bouncing email problems, as they aren't able to tell me, I can't tell them to add me to their whitelist in order for it not to happen. If anyone has sent me email recently that hasn't elicited a response, please add me to you whitelist (or whatever your email client calls it) then try to resend. The address in the sidebar (*nods right*) shouldn't be affected, as (to the best of my knowledge) that hasn't yet been abused by those with no morality or scruples who can't be bothered to get a proper job. Tempting fate there, of course...

It makes me feel like just giving up email... and the internet... and I've been using the internet since it was invented. It just feels like a horrible exploitative place now.

I've found a new way of making money by the way.

Given that banks and building societies recent interest rate cuts (particularly on regular savings and interest on current accounts) have cost us nearly £1,000 per year in lost bonuses, I have to find something, particularly given that the latest estimates are that inflation will hit 2.4% by the year's end..

In Small Local Town's out-of-town shopping park, there is an area that has a B&Q, a Halfords, a Pets at Home, and an M&S Simply Food. Parking is always very tight, so one can rarely park near to the shop one wants to visit.

I've discovered that people going to M&S to buy their overly priced, non-clean food (another current Term of Hate for me) ready-meals, or ready-peeled vegetables, are far too lazy to take their trolley back to the only M&S trolley park, so, they just leave them at whichever trolley return point is nearest to where their gas-guzzling-tank is parked. Clearly they are prepared to leave a pound in the trolley slot rather than walk 30 metres more to return it to the place where they could get a refund. I guess it's the 'what is the lowest value coin that you will bend down to pick up' test for the overly-monied of the area.

Quite by accident (I was spending the huge quantity of Pets at Home vouchers that I'd accumulated - their vouchers nest, so I got product worth over £70 for less than £30) I've made £4 in the past week just by noticing pounds in slots, plugging trolleys into each other and pushing them 30 metres. It isn't going to pay for the next trip to SA of course, but, every penny counts (if only I could get the coffee-slurping, eating-out, spend everything you earn and more, generation to understand that)...

I read with horror recently that only 10% of meals are now prepared from scratch in-home, that the average new garment is only worn five times, and that only half the adult population in England have more than £3,000 in savings. Always save at least 10% of your income I say, I've always said, and I still do. It gives you choices when you are older.

Here's a cat picture, from the kitchen window:

Or maybe that should be a 'spot the cat' picture. There are two of them actually.
Oh, OK, here's a closer view:

And we have eight new children. 2 white, 4 brown, and 2 brown, beige, and grey. That brings that total back to 18. We didn't get any new ones last year, and with most of the rest now 5 or 6, it was necessary if we wanted eggs after Easter.


Tuesday, February 28, 2017

South Africa 2017

Straight out of the camera:

Fire on the mountains, run boys run (despite rstrictions, there are only 120 days of water left in the Cape Area: the worst drought since records began in 1904):

Rescuing tortoises on gravel roads (the alternative crunch is unappealing):

Wondering what happens next:

Drinking stonkingly good wine:

Enjoying the colours and crafts of the local artisan markets:

The gardens of some of the large vineyards have painterly qualities:

And the sunsets are 'stunning' as they say in these parts:

That's what we've been up to for the last week, when the temperature hasn't fallen below 30 degrees by day.

We've had 7 nights in a house south of Cape Town, overlooking a long white sandy beach, with two German friends and a bicycle worth £8K, two nights in an historic homestead (used as a hospital for the wounded British in the Boer War) furnished with really old objets (I'm wondering what they'll miss...), on a cheese farm in the Southern Cape with a herd of Jerseys, and tomorrow we're sleeping with Ellies.

We've already done well over a thousand miles in our trusty steed, Elly Plates (so called because the car hire company had a batch of cars in relocated from the Eastern Cape, where they either do fewer or more miles) and they have cute pictures:

What have you been doing? What have we missed?


Sunday, February 26, 2017

Escape from no-man's land


Sunday, February 19, 2017


And so it came to pass that we pulled out of buying the house in Mathsland. Over 3 weeks ago actually, but I haven't really felt like talking about it before now.

It just all got too ridiculous and all the things that had bothered us slightly suddenly clearly became future problems of indefinable and worrying proportion.

As I hinted before, warning bells were sounding about how long they were messing around. We first saw the place on November 3rd. At the end of January, into week 13, with us as effectively cash buyers, with no onward chain, and ex- wanting her money, things were going from slow to slower.

Given that we have friends who were in a 7 property, 6 new mortgage, chain that recently completed in 5 weeks (including one church property which needed 12 signatures to release), they clearly didn't want to sell, despite what they told us. And they were trying to screw ex- out of her share by some very shady dealing.

Dishonesty is not our thing, and we knew we wouldn't be able to live alongside it. Oh and let's not mention the attitude to environmental pollution - septic tank, declared totally clogged up and a hazard by our surveyor, emptying before exchange of contracts made a contractural item by us, then emptied by a 'mate with a tanker so I can't provide a receipt' and the unprocessed sludge then spread on fields rather than taken to sewage treatment works ('ah, but that costs money, and we have other ways of doing things up here, you'll get used to it.').

Ah well, that's somewhere north of three grand gone forever *deep sigh* but at least it's better than the high tens (or low hundreds) of thousands that I suspect it would have come to losing, if we'd bought it, spent the renovation and extension money, found the same problems, and not been able to resell *relieved thoughts*.

Sometimes you just have to walk away, irrespective of the costs. Mr BW did a fantastic job of unpacking everything packed, fitting it all back in where it had come from, and taking all the new stuff we'd bought to renovate the new place back.

So, on what should have been completion date (the third agreed with the vendor one, all of which were missed by their pathetically lazy and grossly incompetent solicitor), we went to the beach, where it was grey, but where there was a sign:

Believing in signs, this one was clearly, "The Only Way is Up!"

Back in mid-December, I finished off a qui1t I started in the autumn of 2014. It's huge (108" x 89") and I hadn't finished it because it was too big for me to qui1t, even on my big machine. A new Patchy Lady to my group recommended somewhere to take it that did great work at an excellent price, and arranged a date for a couple of us to accompany her to take it over. So, Mr BW and I stayed up until 4am to get it finished (not intentionally, it just took a lot longer than expected).

One last iron:

Laid out on the floor:

Next time I saw it, hanging up in the long-arm qui1ter's studio:

Close up:

She did a great job, but the colours still weren't enough to brighten the darkness and the Coven- Nord-shaped hole in my heart.

The early snowdrops tried to cheer me up:

Mr BW finished Nelly (carved from a solid block of wood). I like ellies, but the song is now forever spoilt).

Mr BW made me some glass elly magnets, as well as some sheep ones:

But I was still sad.

The deer put in an appearance to try to brighten my day:

And still it didn't work.

A flock of unusual (for here) birds visted the field behind. At first I thought they were mistle thrushes, but then I realised they were too big. And the wrong colour. Consulting a bird book, I confirmed that they were fieldfares:

Normally I would have been delighted, but with all the avian flu around (and given that we are the only one of the six hen keepers around here who have made any effort to keep our birds segregated from wild birds, despite the Defra order) I just wanted them to fly away.

I looked at the thermometer in the polytunnel, that hadn't been reset since mid-September.

42.9°C. Better than the -6.2°C from last week I thought.

And so, in the absence of any planned projects, we decided to go to South Africa. As is normal for us at this time of year.

Ah, back to normality.

Posted at 12:00 PM | Comments (17)

Wednesday, February 8, 2017

And the questions from financial institution call centres get ever more stupid..

Him: Well Mrs BW, I need to look at some further security before I can tell you that...

Me: I've already entered my 16 digit card number, my date of birth, the 3 security numbers from the back of my card and my credit limit!

Him: Well, I just need to ask you about a recent transaction... you used your card recently at a Sainsbury's Petrol Filling Station...

Me: Yes, on Saturday...

Him: No, I need you to tell me the amount of the transaction.

Me: Forty-odd quid... that's the amount of fuel I can get in my car...

Him: No you must tell me exactly!

Me: You're joking! Come on! No-one who leads a normal life carries that sort of information in their head! Unless they're autistic of course, and I'm not...

Him: Now then Mrs BW, you can't be saying that sort of thing these days you know...

Me: But it's true! It's somewhere between forty and forty-five pounds, that's all that I can tell you. Any more and I would be guessing. A 1 in 500 guess is not likely to meet your 'computer says no' criteria now is it?

Afterwards, I recounted this to MrBW. "You should have told him that it wasn't the sort of -ist comment he was objecting to, it was an assertion that you're professionally qualified to make..." Bugger. Missed a trick there. But, I did at least sneak in the 'computer says no' line that came from Little Britain.


Monday, February 6, 2017

2017 is now a tenth gone

Chinese factory replaces 90% of human workers with robots. Production rises by 250%, defects drop by 80%.

I also heard on the BBC News yesterday that it's thought that robots can replace judges (although, as ever, when one seeks out and reads the backgound info it isn't 'replace' it's 'assist').

I'd say that robots are a bigger threat to our current way of life than Donald Duck.

Or, to add in what I said the other day, robots and social media are a bigger threat to our current way of life than Donald Duck in Trumpton.

Seems like I'm the only one around here thinking that, but, I'm quite used to being different...

Posted at 12:03 PM | Comments (2)

Friday, February 3, 2017

End Game

We went to a funeral yesterday. Since the middle of October, twelve people we know well, or partners of friends, have died. But, we do know a lot of people, and, because of our interests and creative hobbies, many of them are older, but still, twelve in fourteen weeks is not a situation I ever want repeated.

I've never been to a funeral with over 300 mourners before. Particularly not one in a tiny country church. But, at least the high attendance was expected, and just over 100 fitted in the church, and the rest were seated on plastic fold-up chairs in a barn a hundred yards away with gas heaters and a good quality audio-link from the church. It drizzled as the service ended, but we must have dodged the torrential rain everywhere in this area, as there were puddles across many roads and fields on our way home and evidence of a downpour when we got back to The Coven.

I've never been to a funeral where the service went on for an hour and a quarter, and the 20 minute sermon was utterly uncalled for, but the vicar was clearly absolutely unaware that he was efficiently alienating anyone who wasn't high church: you don't have to be religious to have high moral and ethical standards, and to be dedicated to making things better in your own community by freely sharing the experience, skills, and talents you have.

The post-funeral reception was held at a country house hotel a couple of miles away, where the usual price for an afternoon tea is £25 plus service. The deceased (always a highly organised and kindly and highly social individual) had left instructions, that were read out, that everyone was to enjoy a glass of good wine and a good buffet lunch. And yes, the red was exceptional for such an event.

I've never been to a funeral celebration (I hate the term 'wake') where there was absolutely nothing except crisps that I could eat. I do struggle at such 'dos' and usually have some wheat-free fare about my person, but I'd assumed that such a venue would routinely cater for a non-meat and non-wheat eating Witch. Or, at the very least, have salad garnishes, and crudites, and plates of cheese, or fruit, that would fill my gaps.

Now, I know there is currently a media-caused panic-buying of fresh vegetables and salads going on (thank goodness for our polytunnel), but one would have expected some sort of greenery on plates of flour-based items (sandwiches, cheese straws, quiche slices, vol-au-vents etc etc). But, no.

I had to have a plate of crisps (and, to be honest, the sprayed-on flavourings on some worried me as they often contain wheat).

Mr BW, seeing the quantity of the excellent red wine that I had decided to drink to drown my sorrows, and knowing that we had a long run home in Mi1dred, went to get me a second plate of crisps, and, seeing a young waiter refilling the carb-based items, explained my hungry predicament and asked whether they had a couple of tomatoes and a length of cucumber that I could have to nibble. The waiter returned 20 minutes later with some finger sandwiches made with dry and tasteless gluten-free bread, but, really, I'd sooner have had the requested tomatoes and cucumber. Of course I didn't express that ingratitude, and smiled and thanked him heartily in the hope that he might similarly help out a future guest with dietary needs.

It does amaze me how often 'finger buffets' in this country are comprised of wheat-based and meat-based highly processed food.

While I'm having a moan about what food available at public events is doing to our health, I'll join the condemnation of the number of blogs that are descending into marketing and advertising fests. What once nourished our souls is now polluting our consciousness and attempting to control us.

There was a brilliant programme about social media on Radio 4 a couple of weeks ago, "Bursting the Social Media Bubble" (or, as it was referred to, "Your highly addictive online echo chamber". If you didn't catch it, please do listen. There was also a R4 Woman's Hour programme a couple of weeks ago that asked, "Is digital and social media a benefit or a distraction at work?" Again, well worth a listen.

And, as I commented below the original post:

"The technology has changed too, mobile instead of reading on a laptop, older people know how things were - so can compare and contrast, but for anyone under twenty five - this is their normal."

So true.

The world is dumbing down (look at the BBC website now...).

The population are dumbing down and questionning less, particularly the younger segment who have no experience of a time before the internet, the always-on digital world, and social media.

The majority of people do not have an understanding of advertising, marketing and statistics, but are fed it, and believe it in a way that is just plain dangerous.

I am scared much more by this than by all the Donald Trumps in the world.

Although Twitter and Donald would seem to Trump all my concerns... particularly as the female president of Lithuania told Mrs May today that she didn't need Britian to broker a bridge between the EU and America as we have Twitter for that.


Tuesday, January 31, 2017

Repeat after me.

I'm going to post here something I've just said in a comment elsewhere (although I have added a couple of extra words into a couple of sentences, to be slightly clearer), because it sums up my current feelings about all the brouhaha about the current state visit plans:

Or the other way of looking at it is that the more he has contact with politically experienced and wordly wise people, outside his own country, the better informed he will become. You don't conquer ignorance and prejudice by actions that just fuel that person's warped and misguided view of the world.

I don't agree with what Trump is doing, but the world SO badly needs to change in how things have been going in recent years that one has to start somewhere.

He is a businessman: businessmen spend their time playing (and excuse me here but it's the only way of effectively saying it) 'my dick is bigger than your dick.' Several rounds of negotiations later, from their original ridiculous position they eventually produce something workable, and different to what was originally on the table. Which helps things move forwards.

It is interesting to me to look at how people around the world are being dragged into the melee rather than taking a step back and looking at the true processes in effect here. There could be a good outcome here that helps begin to sort out all the unrest that is so apparent everywhere.

I suspect it could be the beginning of the downfall of controlling religion and capitalism. If handled right.

The Queen won't be 'embarrassed' by a scruffy, overweight, overly-monied and underly-mannered American. She's a very bright and wise lady - probably the best diplomat in the world, or that the world has ever/will ever see. Let her look after herself and we'll see the magic she can weave.

For once, I think the situation is being handled well and that UK Ltd know exactly what game they are playing here.

Posted at 11:47 AM | Comments (3)

Sunday, January 22, 2017

We do like to co-ordinate our flowers with our cushions

Long-term readers may remember when I made these cushions to match some particularly vivid petunias in the old butler sink outside the summer house. If the archives worked, I could even post a link, but they don't, so I can't. Sorry.

When the hyacinth bulbs came out of the dark just before the FOTCR™ they looked like this:

And now they look like this. Fabulous:

The BBC Weather this morning said that the coldest place in the UK was a few miles from here and -8°C. Up north where we are hopefully going soon it was 11 degrees warmer. See, I can do temperature inversion spells. Donald Trump can try to deny climate change all he likes (he's apparently already taken all pages mentioning it off the official websites) but it's a reality.

I'm already planning the trees we will be planting up north. Despite my broom being very low emission, I need to make up for all the chugging we will be doing up and down the A1. And provide pollen for b33s. A row of these methinks:

We have one in the Coven Lawn here, but I want a row of 15. I saw such a row running down the edge of a field over near Ipswich the other day and it looked stunning. I just need to find somewhere reasonably priced to buy them.


Friday, January 20, 2017

Even the Feline Familars are at screaming point over the inaction of northern solicitors...

Anyone know if you can complain to the Law Society about someone else's solicitor?


Thursday, January 19, 2017

A dilemma

This month's official figures on the economy have been published. I always try to read my information first hand, so as soon as Radio 4 News informs me of "new government figures", I go straight to the relevant section of the ONS website. The headline figures bandied about by 'the media' often don't tell the whole story. I often find the debt charities websites a good source for headline figures without crass comment.

In the last week there have been 'media reports' that credit card debt is the worst it has ever been. Things are getting a tiddly bit out of control on that front again. Total credit card debt in November 2016 was £66.7bn. Online articles claim that, per household, this is £2,469, but I don't think those figures add up...

I'm afraid that we are contributing mightily to this total at the moment. Far far too many credit card companies are throwing 0% balance transfer and money transfer offers around again (some with no fee, as they did back in the good old days over a decade ago when we cleared our mortgage and made thousands of pounds by stoozing).

Rather than cash-in ISAs early to fund our new house purchase (and so lose up to a year's interest and also the future tax-free interest status of the money) I have said 'Yes please!' to all and any offers that have come our way. And there have been more than I've ever seen. Other retired people I know report a similar situation.

I have also taken advantage of all offers of new credit cards (with up to 40 months 0% interest on purchases) so we will be able to fund much of the renovation and extension work we need to do without crashing money we have in fixed-rate products. By the time we need to repay the money, we will have the money from the sale of our house here (or, worst case scenario, we then have to crash the savings products we have and pay the loss of interest cost).

If I added up all the unsecured debt we currently have available to us at the swipe of a plastic card, it would be somewhere over ten times our current total annual income.

All of which is wonderful.

And while we are living between two houses, as we have a house in the south-east, it is increasing in value hugely every day. In fact, probably more than we could ever spend each day on building work (particularly as we will be doing much of it ourselves).

Which is also wonderful (especially as, in future, when we have only one house in the north-east, its increase in value isn't going to keep up with house price growth in other areas).

Wonderful, except that I am only too aware that the people who are funding our little venture are not the banks.

It is the people who are paying the exorbitant and extortionate rates of interest, and charges/fees to the banks, because, for whatever reason, they are unable to make the system work for them.

But - and here is the dilemma - if I didn't take advantage of this situation, will it affect how the people who are being screwed over by the banks are treated? No. Will it affect them as individuals? No.

So, I shall continue to help people individually with their money problems when I can (practical help not financial - the old 'teach a man to fish' thing), and I shall continue to review my sheaf of papers covered in my scrawlings, telling me exactly what to repay and when (or rather, what is coming from where, and when, as it's all set up on direct debit so happens magically), and Mr BW will continue to peruse his spreadsheet to keep an overview of everything.

This is a situation that I'm not comfortable with, but one in which whatever I do won't make a blind bit of difference to the bigger picture.

Capitalism. Learn the game, play the game, or lose out.

But also be ready for its collapse.

Posted at 11:34 AM | Comments (5)

Friday, January 13, 2017

Es schneit

And il did carry on neigeing, at least a little bit.

And then the skies cleared, and the full moon on the snow was perfect - shadows and everything - this was the parterre in the middle of the night:

I had to keep waking up to take photos, because this might just be our last snow here ever.

Then it did freezing, and now there are even more snow flurries. Not a great day for a trip out, but our lunch date has already been cancelled twice.

The view from the Inner Coven just after dawn:

I'll miss this view, but the next one is even better. Not least because there are hills. Lots of hills. And sheep.

10 weeks yesterday since we unexpectedly found it, and we are effectively cash buyers and there is no onward chain: indeed the vendor is currently in the house with just a bed and a TV (no carpets left) waiting for the solicitors to get their act together. Our agreed completion date sped by, the second is about to go the same way, and if the third doesn't happen, heads will be rolling.

We (happily) have the pickiest solicitor in the world (he's a friend from school days and saved our move here - nearly 22 years ago - when all was falling apart) and they have the laziest, who seem unable to draft contracts in an acceptable legal format (they weren't even acceptable to us and we are not lawyers!).

The reason for all this messing about? Our solicitor is being paid by the job, theirs are being paid by the hour (there are three sets due to a divorce and us buying extra land from the farm, which is currently unregistered title, from another member of their family). Theirs communicate by letter, despite two of the three occupying offices that are literally next door to each other in the same street (in fact, I think they sit about 6 feet away from each other with just a dividing wall between them). I had no idea that northern solicitors still do conveyancing work by the hour and use Royal Mail until we started on this project...

At least we're not trying to move out of here for a while. Frankly, I am amazed that anyone actually ever manages to move when there are multiple houses involved. It's bad enough with just one purchase. Why do solicitors make it so difficult? Is it greed - trying to work on too many jobs at once?

Anyone want to buy a Coven (in a year or so's time?).


Thursday, January 12, 2017

Il neige

Well, I was wrong. I thought that we wouldn't get snow as it was 7°C this morning, and it was raining rather heavily for much of the afternoon.

But, at 5pm it started to snow, and it has settled a bit. This view from the balcony - and it's dark outside, so blame the camera's low light setting.

It had better melt by tomorrow because we have Important Things To Do. People to see, light fittings to source. Mind you, it might be quite pretty by the light of the nearly-full moon later (give or take a few clouds).

The County Council have their emergency plan in force down by the coast, in preparation for flooding expected tomorrow lunchtime, and, according to Radio 4 news just now, are trying to get people to go and sleep in a school in readiness. Unsurprisingly, there is no-one there other than journalists.

Any sign of snow where you are?


Friday, January 6, 2017

The Ladybird Book of EduTwitter

Anyone who has ever worked in (or with) education in the UK might enjoy this.

(Background here - but read this after you've looked at the first link and tried to guess the origins.)

Posted at 12:23 PM | Comments (3)

Tuesday, January 3, 2017

Thought for the year ahead

"Bullshit is something that is constructed absent of any concern for the truth.

This is quite different from lying, which implies a deep concern for the truth (namely, its subversion).

Bullshit is particularly pernicious since the bullshitter adopts an epistemic stance that allows for a great deal of agility.

For the bullshitter, it doesn’t really matter if he is right or wrong. What matters is that you’re paying attention....

Bullshit is much harder to detect when we want to agree with it.

The first and most important step is to recognise the limits of our own cognition. We must be humble about our ability to justify our own beliefs. These are the keys to adopting a critical mindset – which is our only hope in a world so full of bullshit."

- Gordon Pennycoat (it's worth reading the article, and the linked journal article, in full)


Sunday, January 1, 2017

A Happier New Year...

... to everyone reading.

I am constantly amazed by the number of readers from 'the good old days of blogging' who still pop in sometimes, and it's good to still be in touch with some of you (however infrequently), and to have seen some of you in person again during the last year.

If 2016 demonstrated anything, it is how easy it is for individals and groups to pose as competent when they aren't, and how easy it is to get people to believe whatever you say if it is prettily/radically packaged and marketed, and freely spun out and embellished/slanted by 'social media'.

'Group think' is a dangerous beast, and is frequently led by the best orators (or, these days, 'communicators') and not the best ideas or evidence. Morals and values are frequently hidden behind personal narcissim and/or blind/misdirected ambition.

May this next year protect us all, personally and collectively, from these people, groups, and products, and give us the wisdom to see through the untruths, fake claims and promises.

Simplify, and look to the past for the answers. It's called 'the wisdom of ages' for a reason.


Monday, December 26, 2016

25th December 2016

Queenie pulls a sickie and George Michael snuffs it.

All is not well with the world... (as if we didn't already know that).

Posted at 10:22 AM | Comments (3)

Saturday, December 24, 2016

Season's Greetings

Whatever your beliefs, and whatever you are celebrating.

My FOTCR™ message (it seems every politician thinks they are the Queen this year, so why should I miss out?) is one I have posted before:

Especially poignant in a week when I had one seven year old girl tell me that she didn't know, so couldn't count, coins below a pound because, "I only get pound coins, or more often notes. I'm great at counting twenty pound notes!" and another girl of six tell me that the tinsel extensions in her hair had cost £50, "But my mum and big sister had them so I whined a bit until mum gave in and let me have them too."

It seems that Bart Simpson was right when he said,
"Aren’t we forgetting the true meaning of this day - the birth of Santa?"

It's been a strange year: we lost six friends in the six weeks between mid October and the end of November, so are thinking of their loved ones too.

Enjoy your festivities.


Saturday, December 17, 2016


It's my WitchDay.

Considering that we have lately been hacking up and down the A1(M), and up, down, along, and across other roads of this country, at a rate not seen since I did my professional training in 1988/89 (when I did 28,000 miles between September and June), I have spent the day flopped out in bed, latterly with fizzy wine and cranberry juice 'cocktails' (utterly delicious, but could be improved by using fresh cranberry juice methinks - must liquidise and sieve/filter fresh berries, and try soon) and hot spiced raw cashews.

Which is just as well as it has been cold miserable and damp here today.

Grief I'm exhausted.

Now, would anyone like to hazard a guess about this (size - fits easily in my hand)? Mr BW tells me it's the latest part in my long-term project which has something to do with a very large old red project that didn't happen 10 years ago, but now (soon, if some northern solicitor ever gets his finger out of his ****) could.

Mr BW loves the 'Now' album series. I love the 70s. He got me this. But there is something badly wrong with it, that the 20 year old graphic artist who did the cover wouldn't understand. Can you spot it?

And, for goodness sake 'Now' people, if someone buys a 70s CD they are likely to be of a generation that expects a nice tactile paper booklet of track information, not an instruction to look it up online. So near and yet so far.

But the music's OK... and given that lots of our other CDs (the majority of a certain late 80s/early 90s vintage) appear to be suffering from SCDDS (Sudden CD Death Syndrome), a few new tracks for the ongoing for the foreseeable future long car journeys are extremely useful.


Tuesday, December 6, 2016

It looks like it is robots rather than Luddites who will destroy capitalism:

Fascinating article here about how analysts at global investment manager Bernstein believe that China's huge investment in robotics means that "the age of industrialization is coming to an end," with robots set to destroy manufacturing jobs globally.

Whatever happend to innovative manufacturing the UK?

My Dad engineered the first blister-pack tablet machine in this country back in the late 60s/early 70s (sadly he was working for an employer or he'd have - potentially, if correctly patented - been a multi-millionaire). He must be turning in his grave now...

Posted at 10:25 AM | Comments (0)

Sunday, December 4, 2016

*Looks out of window*

Hmmm, so Santa has hidden his reindeer in the field behind us...

Good choice Santa, overseen by a non-meat eating, FOTCR™ hating, anti-hunting Witchy...

Some fairly odd stuff going on here too...


Monday, November 28, 2016

Things you didn't know you didn't know

There are some things that, once you know them, you wonder how you can not have known them before, and, how you ever managed before you knew them.

Simple things usually.

I can't think of any examples at the moment other than the one I discovered yesterday. The worst thing is, I can't even remember now where I discovered it.

If you need to line a cake tin or grill pan with aluminium foil, don't struggle to push it into the corners (often tearing it in the process), simply turn the tin over and mould the foil over the outside. Then, remove it and reposition it inside the tin.

Simple, eh?

Of course, I might be the only one in the world who didn't already know that, or have worked it out for themself...

Posted at 10:40 AM | Comments (2)

Friday, November 25, 2016

Black Friday

I am convinced that if there was a 'sales event' called 'White Friday' there would be an ourcry by the PC brigade.

The BBC informed us this morning that it was only six years ago, in 2010, that Amazon bought this selling madness to our shores.

I've had well over two hundred emails form various companies over the past few days about this consumerfest. How many have I opened? One, and it did not contain the bargain that was headlined.

I am not amused.

Posted at 10:07 AM | Comments (1)

Thursday, November 24, 2016

Happy Thanksgiving... all readers in Trumpton.

"Bush, Bush, Obama, Ford, Clinton, Reagan, Trump."

Now, who's playing Captain Flack?

I'm sure someone else must have thought of this, but I've not seen it.


Tuesday, November 22, 2016

Déjà vu

Power in the darkness

Frightening lies from the other side

Power in the darkness
Stand up and fight for your rights

Freedom... we're talking bout your freedom
Freedom to choose what you do with your body
Freedom to believe what you like
Freedom for brothers to love one another
Freedom for black and white
Freedom from harassment, intimidation
Freedom for the mother and wife
Freedom from Big Brother's interrogation
Freedom to live your own life... I'm talking 'bout

Power in the darkness
Frightening lies from the other side
Power in the darkness
Stand up and fight for your rights

[Voice from The Other Side:] "Today, institutions fundamental to the British system of Government are under attack: the public schools, the house of Lords, the Church of England, the holy institution of Marriage, even our magnificent police force are no longer safe from those who would undermine our society, and it's about time we said 'enough is enough' and saw a return to the traditional British values of discipline, obedience, morality and freedom.
What we want is:

Freedom from the reds and the blacks and the criminals
Prostitutes, pansies and punks
Football hooligans, juvenile delinquents
Lesbians and left wing scum
Freedom from the niggers and the Pakis and the unions
Freedom from the Gipsies and the Jews
Freedom from leftwing layabouts and liberals
Freedom from the likes of you.

Power in the darkness
Frightening lies from the other side
Power in the darkness
Stand up and fight for your rights

And, erm, this was 1978. 38 years ago..

- Tom Robinson Band

Listen for free here.

Posted at 11:49 AM | Comments (2)

Thought for the day

"If you can't explain it simply, you don't understand it well enough."

- Albert Einstein


Monday, November 21, 2016

Here's a bargain I've mentioned before...

I've mentioned the 'free tea for two' at National Trust property vouchers with greetings cards from Pink and Greene before. Excellent value, pretty, multi-purpose cards, and up to four quid's worth of free teas per card into the bargain.

Pink and Greene's are again doing a £5 off £10 minimum spend offer. If you pick the correct cards from here, by using the code 'ADVENT' in the discount box, you can get 8 nice greetings cards cards for £11.48 (£1.44 each; choose a 3-pack plus a 5-pack for the best value), plus free delivery, and up to £32 (depending on local venue pricing) worth of free tea vouchers. Throw the cards away, or give them to your local charity shop if you don't like them, and you've still got 16 cups of free tea for £11.48!

This discount is available to all, including existing customers.
And, it doesn't have to be used on these cards, you can use it on any (but, no free cups of tea with others, obviously).

Be quick though: the offer closes at midnight tonight.

Instructions for obtaining your discount:

1. At our website,, add goods to your basket so that the total exceeds £10 after the discount is applied and excluding any postage charges.

2. Go to Checkout (click next to the basket symbol at the top of the page). Type ADVENT into the voucher code box and click the 'Apply' button. A £5 discount will be applied.

Note that the code will not be valid if the order value - after the discount - is less than £10. Only one code can be applied per order.

3. Follow the on-screen instructions to complete your payment.

Terms and conditions of this offer:

The code ADVENT applies a £5 discount to orders submitted by midnight on 21/11/16 with a minimum value (post discount) of £10 excluding delivery charges. The code may be used once per customer or residential address. Free delivery for orders of £10 or more to UK addresses only. Only one discount code may be applied per order.

As ever, this is not a sponsored post, it's just a good deal that I thought I'd pass on, in case anyone is interested.

Posted at 12:43 PM | Comments (0)

Sunday, November 20, 2016

An Autumn Tale

Next Thursday, it's twenty-five years since Freddie Mercury died (and his mum died a week ago today at 94) .

"Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did so. So throw off the bowlines. Sail away from the safe harbour. Catch the trade winds in your sails. Explore. Dream. Discover."

- Mark Twain

This week I seem to have developed a rather unexpected and unhealthy interest in white vans, and shipping containers. Up until this last fortnight my only interest in white vans was getting away from them as quickly as possible. Now I spend my time peering at the names on the back and peering in the cabs.

Such is life.


Wednesday, November 16, 2016

Despite it being 19 months since Mr BW retired, he still likes Dilbert.

He keeps the page-a-day calendar in his workshop, and occasionally brings a few pages in for my amusement.

These two made me smile (apologies for the poor scan quality):


Tuesday, November 15, 2016

For Mr Mog, and Ambermoggie

Altar for Bob
Please think of them both at 11am this morning.

RIP Bob.

All our love Ambermoggie.

Posted at 11:00 AM | Comments (2)

Friday, November 11, 2016

White poppy day

LaP has been posting about the situation across the Atlantic (I refuse to call it a 'pond').

I'm re-posting my comment to her post, which first quoted from another earlier comment to her blog post:

" I blame a lot of the hysteria right now on an out of control media who slanted coverage, was proud of thinking they could determine the next President and forgot they were supposedly journalists. Instead of covering both sides' failures, they only hit on his. I doubt they have learned a thing from it either. I am madder at them than the voters who supposedly voted 'wrong' or the candidates, who were both flawed."

I totally agree with Rain. [the above commentator]

It was the media who swung and slanted it, as it almost always is these days.

But, you [Americans] do now have the world's first leader chosen by 'reality TV'.

That said, in my professional experience, I've often found that once control freak bullies actually get to be in charge, they have the power and influence they crave and start being quite sensible.

Not holding my breath on this occasion mind, but, it's a thought.

I have a friend who told me that her husband is currently looking to buy shares in a brick making company somewhere along the Mexican border. And I'm not sure that he is joking either.

I'm trying not to appear smug at having correctly predicted the outcome. But I do have an American friend (she's lived here for 30 years, but goes home for 6 weeks a year to see her family) who filled me in, over several whole-day outings over the summer, in glorious detail, about the vagaries and workings of the US election system. Oh, and, the Clinton's shady, hushed up by questionnable legal methods, business dealings too.

The world is going to be an interesting place in the next months and years."

with thanks to


Wednesday, November 9, 2016

Tuesday 8th November 2016

Yesterday the American people, and the BWs, both made momentous decisions that will totally and irrevocably change the courses of their future lives.

Gosh, there might be something worthwhile to blog about again... :)


Wednesday, October 19, 2016

Thought for the day

“Advertising has us chasing cars and clothes, working jobs we hate so we can buy shit we don’t need.”

- Tyler Durden (played by Brad Pitt) in Fight Club (1999)


Tuesday, October 11, 2016

It may be chilly and autumnal, the news from the world may be grim (and likely to get grimmer), but at The Coven the colours are fighting back:

Final score for Days of Summer, by the BW Definition (ie days with blue skies, hot and sunny, and above 26°C/80°F): 26 and a quarter.

A record-breaking year, for years of late, although most of it was in August and September.


Friday, October 7, 2016

Darkening days need creativity

I've been making a sheep cushion for our Northumbrian farmer friend, who we'll be seeing again in a few weeks, as is normal for us at this time of year.

The brownish colour is from a special (to him) sheep's fleece. I've processed the fibre from raw, including washing, carding, spinning, and knitting, and I designed it on (special, knitters') graph paper first, using specific stitches to generate texture to represent the environs of the farm.

It's a bad photo, but, top left is fir trees, top right is a huge old oak tree; middle ground left is drystone wall and then running across the centre to the right is a wooden posted fence; the near-ground is scrubland and reedy grass.

It probably took around 50 hours from fleece to product. He won't know or appreciate it, and I fully expect one of the sheep dogs to destroy it within minutes after he puts it in his mobile home 'office'.

I don't care, it's all about the process, and the meanings, for me.

I may make another for me, with a dark blue background (I've been processing some beautiful Jacob shearling that was given to me, on the lawn in the wonderful golden autumnal sun this week, and now just need to dye, card and spin it). Have I ever mentioned how much I hate brown?


Monday, October 3, 2016

Did you know?

If a company such as your electricity supplier, or your local council, pass your telephone number to a registered market research company, there is nothing you can do to get it off the Market Research Society's main database?

Once on there, it can (I am told by the MRS) only be removed by the organisation that asked the company to conduct the research, and there is no guarantee that the MRS-registered company to whom it was given to conduct a 'customer experience survey' hasn't already passed it on to all and sundry, provided that they too are registered with the MRS.

The fact that you have never agreed for your details to be passed on for such use, and are ex-directory and registered with the Telephone Preference Service apparently does not protect you from such calls.

I currently have formal complaints in with my ex-electricity supplier, and with my district council, relating to calls made to me within the last week on their behalf (and I've checked out, they really were acting on behalf of who they claimed). A new 'cheap' form of market research perhaps? Above all, I am disgusted that my local council is spending scant/declining resources in such ways, while also cutting many services.

I just got another call, at after 9pm (a time when I would normally be asleep, and at which I would not ring a friend or family member, unless it was an emergency) from a young woman from a market research company purporting to be from 'my bank' (not specified unless I confirmed I was the person to whom they wished to speak).

Bored with my usual repertoire of tactics for nusiance callers, I employed a new one, as suggested by one of Mr BW's (slightly eccentric) friends. Viz:

Me: "Oooh, you sound nice!"

Them: "Sorry?"

Me: "You sound really nice. Lovely in fact! Y'know, all lovely and sexy!""

Them: "What?"

Me: "You sound lovely. I'm a bit lonely. Would you like to be my new girlfriend?"

Them: "WHAT?"

Me: "You know, be my new girlfriend, kiss me, cuddle me, send me rude text messages, have sex with me, and well, y'know, other stuff..."

Them: "BLOODY HELL, WEIRDO...." *line goes dead*

I can see that there will be a lot more fun to be had from that tactic... ;)

Are others of you getting this new type of nuisance call?

I am unconvinced that utility companies and local councils are allowed to pass on one's personal details for such purposes without consent, and fully intend to take this issue to the Information Commissioner (once I have gone through the normal complaints procedure of the organisations in question, as required by the ICO) as I believe that such disclosure of data contravenes the Data Protection Act, but, who knows, these days?


Friday, September 30, 2016


Ketchup, catch up, but we can't make ketchup because the tomatoes are still ripening slowly after the early potato and tomato blight wiped the lot out. Smith periods, who's heard of them? We hadn't until this year. If you are disinclined to click the link, Smith Periods are when blight is likey to strike:

"A ‘Full Smith Period’ occurs when the following criteria are met on 2 consecutive days:-

Minimum air temperatures are at least 10°C
Relative Humidity is 90% or above for at least 11 hours

A ‘Half Smith Period’ occurs when the Full Smith Period criteria are met for 1 day.

A ‘Near Miss’ occurs when minimum air temperatures are at least 10°C for 2 consecutive days but the number of hours with a relative humidity of greater than 90% only totals 10 hours on one or both days."

Rosetta is dead. Long live Rosetta (and the data on Comet 67P they have will take decades to fully analyse, so god squaddies can continue to believe for a while longer). I'm particularly sad because the company MrBW used to work for made the imaging sensors (that have performed even beyond best expectations).

I'm amused by the Deutsche Bank Debacle (Germany's largest financial institution). Particularly given that there was talk of the European Financial Capital moving to Germany when the UK leaves the EU. Well, not that amused, actually, as if it goes under it is likely to be worse than Lehman: the world's financial system is once again under threat. How has it come to this yet again? Ah yes, greed.

I'm now the font of all knowledge for all my crafty group ladies as to where to put cash investments that are maturing. Given that the Bank of England only reduced the base rate by 0.25%, most savings accounts have gone down by a lot more than that. You can still get 2% on 5-year fixed bonds, but not in many places (and I see that several rates are going down agian tomorrow, the 1st of October). The most widely available on 5 year fixed ISAs is now 1.75% (and that is only for transfers in, although you can get round this by opening an instant access ISA anywhere, then applying immediately to transfer it). But, local building societies (who often restrict new accounts to postcodes neighbouring their areas) do sometimes have some better offers. I note that HSBC has reduced the interest on its current-account linked 12 month regular savers from 6% to 5% from this week (this affects First Direct, M&S bank and HSBC accounts). If you need some ''BW Wisdom" on the subject of cash investments with guaranteed rates, just drop me a line with a few details *nods to email address in the sidebar* (disclaimer: I am not an IFA; my advice is - arguably - better than theirs, and free ;))

My head is exploding trying to keep up with 20 current accounts, most requiring 2 direct debits and a certain amount paid in during every calendar month, and just over half that number of (comparatively) high-rate linked savings accounts. Why must it be so complicated to secure 'reasonable' guaranteed returns for one's hard-earnt and hard-saved pennies?

I finally found an article that perfectly explains what I've been telling people about why poor interest rates will eventually cause economies to crash. It's a fascinating article: "Non-rich people tend to spend 100 percent of their income, or close to it. Rich people don't. They spend, say, 50 percent of their income and save the rest. This difference is called the "marginal propensity to consume," and it seems like it might be a problem if income inequality is rising. The problem is that as rich people get a larger share of total income, total consumption goes down." I don't consider us 'rich', I consider us 'prudent', and as our income from investment falls, we will trim our spending, as we can't risk depleting our capital yet. I know of many other non-rich, but financially astute, retired people who feel exactly the same way.

I'm amused by the Labour Leadership Debacle. Whilst I'd never vote for Corbyn, his belief in his beliefs, and his refusal to get into political mud-slinging is commendable.

I'm amused by the number of countries and major companies that now have women at the helm. When all else fails, let women clean up the mess men have made. And there are plenty of them around the world.

Oh, and, sorry that the comments box below auto-closed just as I was inviting submissions for offices in the BW Party. Given that the code this site relies on is now 13 years old, I daren't play with anything to attempt to change the auto-close rules. Mr BW keeps threatening to make me a new dress (he's now quite adept at creating websites), but I'm future-averse.


Sunday, September 11, 2016

The autumn of the world?

15 years today since 'terrorism' really reared its ugly head and all our lives were changed irrevocably and forever.

In terms of political happenings, I can't currently decide if the US or the UK is worse. Perhaps it's a symptom of the same thing.

I'm still reeling from the Vox revelation earlier this week that in the US bankers don't pay tax on their bonuses.

What can you do when you see children being abused?

And, apparently, the world can cope with 7 or even 10 billion people. But only if we stop eating meat. Erm... or stop producing quite so many children? Or stop people 'buying to let' and foreigners buying investment properties, which are both hugely and artificially restricting the housing market. We need to stop the population explosion or every corner of our countryside will be built upon. Most people are totally unaware of the Local Plan process (housing etc growth plans) in their area and what it will mean for them, and the infrastructure that supports their lives. Think it's hard to get a GP appointment or to cross town in the rush hour now? Just wait... (or, better still, search "Local Plan [your local council]" and get informed/involved).

The NHS needs to change. The education system needs to change (particularly with the 'education leaving age' now being 18 in England).

But how things are happening isn't the right way.

And, for probably the first time ever, I don't have (even a suggestion about) the answer.

I've concluded that it's not a symptom of me ageing (I have wondered about that; particularly as most of those I associate with are somewhat older than me and most don't seem to care about (perceive) such meta-issues). It's a symptom of things being beyond fathomable. There are so many 'systems' in place that are now working to limit the application of common sense. There are still lots of willing people, but many not-so-willing 'systems'.

Inequality increases and the abilty of the evolved 'systems' to do anything about it (irrespective of how much money is thrown at the perceived 'problems') declines.

How did it come to this? And don't say 'politics' because that is, I am increasingly convinced, just a symptom of a wider malaise.

In case you haven't clicked on any of the links, this one is especailly worthy of a perusal, if, in the current climate, you are in need of explanations (if not answers).


Wednesday, August 24, 2016

Sunset last night

But, today could be the last day of summer:

Since my last report (nods down to August 12th), we've had another few days that meet my definition of summer, and today is Day 15 above 26°C. Apologies to anyone in the north, or in the southern hemisphere.

It was so warm and golden yesterday that MrBW even got my paddling pool out.

Yes, I have a paddling pool. Actually, two, as Mr BW informs me that there is also a spare (and that there were originally three, but the previously deployed one had disintegrated). Must have been a good offer at some point in the past: I can't remember now, we have summer so rarely in this country.

In this heat, and with the golden light making the garden look fabulous at this time of year, at home, nothing beats sitting in a comfy seat, dangling your legs in a paddling pool, with a book and a pint of Pimm's (actually, Aldi's Austin's, a third of the price, and in tests ten out of ten Witch Testees preferred it, as I've undoubtedly mentioned before). I do try to not start the Pimm's until after noon, but it's quite hard sometimes...

How's the weather where you are?


Thursday, August 18, 2016

A guest post by Mr BW

Last Sunday, Mi1dred reached a mileage milestone.

It might only be 5000 miles, but, trust me, every mile driven in an Austin Seven is worth 50 in driving experience in a modern car. As you can also see, we were ‘cruising’ at 20mph at the time.

We had a lovely day out. Starting at a local gallery's private view of a modern sculptor's latest work, and moving on to one of our favourites, the Fry Gallery in Saffron Walden (where they currently have an exhibition of Edward Bawden's early watercolours: BW wants to know how he managed to get such clear colours with such a filthy watercolour paint box) . We finished up at Audley End for a quick visit.

On the way Mildred reached 5000 miles with us. That’s over 9 years, so we haven’t exactly been piling on the miles.

I once read an article saying that all learners should have a lesson in an Austin Seven, and I get the point.

Drivers today are isolated from the dangers out there. Most have never heard of aquaplaning and will happily drive 10m from the bumper of the car in front at 70 mph in torrential rain. They have little understanding of the fragility of life and the fact that they are trusting theirs to four small patches of rubber, the only thing attaching them to the road.

If they had to drive a car with limited brakes, low power, requiring planning to get up the slightest of hills, no air bags, power steering, air conditioning, ABS or seatbelts, then they might just be better and safer drivers.


Tuesday, August 16, 2016

It can't last, but...

Day 10 of summer here yesterday (summer days, by my definition, are days of wonderful light and temperatures above 26°C (80°F). Mind you, there's a very autumnal nip in the air in the early morning and late evening of late).

Here's a sight that I suspect you won't see again (end of Day 9 of the Rio Olympics)... excellent work Team GB, keep it up.

Some interresting graphs here.

But, I can't help wondering why it's OK to select and coach sporty youngsters, but it's not OK to select and coach intelligent ones?

Why is it OK for parents to be allowed to send their children to a faith school that pushes their religion, but not OK for parents to want to send their children to a school that nurtures and stretches their academic abilities?

A new incarnation of grammar schools is now, I believe, the only way of ensuring social mobility in our country.

The question should not be, 'Should we have more grammar schools?' but rather, 'How can we devise a selection procedure that is fair to everyone, and has children appreciating their individual strengths, rather than any weaknesses?'


Sunday, August 14, 2016

A cat-nap

It amuses me that white cats think they are invisible.

It amazes me that they can sleep in the edges of the field in this position. Very Meryl Streep-ish.

A more useful white thing might be this spray of water and milk:

I'd not heard before that it is effective against powdery mildew, which attacks members of the cucumber and squash family at this time of year (when the foliage is dry and the weather is warm).

I heard it recommended on GQT on R4 on Friday afternoon (repeated this afternoon at 2pm), but they didn't say why it works.

A quick bit of online research discovered that it is based in science: in 1999, Brazilian scientist Wagner Bettiol reported excellent control of the fungus on greenhouse-grown zucchini using fresh cow’s milk diluted with water to a 10% solution.

Since then, practice has found that a 50:50 solution using skimmed milk has been found to be the most effective. As well as helping with the powdery mildew, it also acts as a foliar feed.

I've also read that powdery mildew spores can’t germinate or grow when foliage is wet, so overhead watering is also recommended as a preventative on highly susceptible crops.

So, that's don't water potatoes tomatoes overhead (as it encourages blight), but do water cucumber and squash leaves.

How did I not know this?

Posted at 10:30 AM | Comments (4)

Saturday, August 13, 2016

New Banks

There used to be readers interested in my "beyond most people's money saving" tips. The comments box below the last post shows that some of them are still be around, so with interest rates dropping like stones - any excuse for banks, Brexit was the perfect one - I thought I'd share some of my recent findings.

The three day marathon of "re-sorting to cope with new demands to get the best rates from the banks in the current financial climate" I described in the last post led me to research the new banks to the market.

That's because I'm very fussy about where I will invest... I won't touch Santander, T£Sco, Yorkshire Bank or Post Office (Bank of Ireland). The first two because of their dirty tricks and appalling customer regard and customer service, the latter two because of appalling service in the past (so appalling that it is unforgiveable forever).

I also won't put money into anything Indian, anything Middle Eastern, anything that pays interest but pretends it doesn't so that it complies with Sharia Law (even if the banks have UK banking licences), and anything where the money invested is largely used to fund things I disapprove of (don't start me on Buy-to-Let mortgages, which have led to a much bigger negative effect on the housing market than anyone official is currently acknowledging).

As many of the best rates are with the 'new banks', I was interested to see what they did with money they are lent by savers (and never forget, if you are a saver, that is exactly what you are doing, lending the banks money to enable them to lend it to other people at a much higher rate than they are giving you): this article and this one gave me the answers I was seeking.

Posted at 11:31 AM | Comments (0)