Our cats' best toy at the moment is an old wiper blade which they found lying on the kitchen floor. They've stalked it, pounced on it, fought it, dragged it around and chewed it. Another fairly unlikely favourite toy is a girl's hair bobble - ie a small ponytail band. If no human's available to throw it for her, Zoe will toss it up into the air herself and catch it.

The Mandelbrot Set. Now there's a good name for a viral hep jazz combo!
Fractically yours .... Whoops! Er! Tooooo much festive cheer. (again)

Any other teachers here use INCERTS?
I'm updating some - doing them in dribs and drabs over the holiday as it's very time-consuming. Easy to get bored though and so tempting to pop into r3ok at the click of a mouse...I can see how people working in offices must be irresistibly tempted by the tantalisingly close proximity of message boards when they should be working on pcs.

I'm the same Ruth.  They put them up automatically every year.  I have a ridiculously high overdraft and credit card limit which I never use.  All the same I'd advise against cancelling or lowering.  I keep them in place ...just in case.  You never know what life will throw at you and it's really nice to know that you've something substantial to fall back on should a really dire emergency occur.  The credit card limit is particularly useful if you travel a lot.

The disadvantage of keeping a high value of available "empty" credit is that if you want to apply for new credit elsewhere - for example to get better cashback or an interest-free deal on a "general spending and pay it off each month" card - you're more likely to be turned down if there's a lot of available credit already sitting on your record.

I do want a new credit card.  I currently have an Amex card which gives me 1% back on purchases, and a Sainsbury's Bank Visa card which I originally got as it offered me 12 months interest-free on purchases (now long expired) but which is now not doing me any particular favours.  I want to replace this with another card that gives me a cashback or interest-free deal, for use when a retailer doesn't accept Amex.  And I'd better get my skates on, as the next couple of months will see me spending three-figure sums with people who don't accept Amex - Opera Holland Park and Glyndebourne, for example.

Off to do some research on Moneysavingexpert this evening, methinks.

When you register for elections you can elect to go on the list where people can't use your details for mailing.

Tommo

Milly, companies swap or `sell on` customer lists between themselves. If you`re with one credit card company, all the others will dive in. I order from two gardening catalogues but regularly get engulfed with catalogues from other gardening companies