Gnash

The long range attacks will be far more interesting in the grand tours due to the potential impact on GC.

#Yeardle #761 https://histordle.com/yeardle/ Good guess.

#Yeardle #757 https://histordle.com/yeardle/

#Yeardle #745 https://histordle.com/yeardle/ 6 attempts.

Great streak, my best is 61, currently on 18.

Aye, like dry pasta and sugar.

Gimme indeed. #Yeardle #731 https://histordle.com/yeardle/

A house in Grindavik?

Yes, my watch is often well over on a run, but well under on a cycle, for some reason. I have forearm monitor which seems to be more accurate.

Well done, but average HR 181?!! Surely that's not right?

#Yeardle #719.04166666667 https://histordle.com/yeardle/ 1 in 8 shot at the end to save.

Interesting, I thought that getting a reminder was required. Now we have Consumer Duty, I think at the very least would be considered as treating customers fairly, although that was only implemented last year.

It doesn't mean that. If someone moves on to the SVR, they are almost certainly paying a much higher rate than they could pay if they shopped around for the best deal. As an example of how this might happen, say someone gets a 5 year fixed rate mortgage when rates are relatively high, so their rate is 5%, while prevailing SVR at the lender is 8%. Over the 5 years, rates come down so they could get 2% on a new 5 year fixed deal. But they stay on the same mortgage and move on to the SVR, where the rate is now 5%. Their monthly payments don't change, but they could be paying a lot less by moving to the new fixed rate deal.

#Yeardle #713.04166666667 https://histordle.com/yeardle/

Interesting question. Assuming you can trust yourself (and anyone else that can access the savings account) not to blow it on a speedboat, I would keep the money in the ISA as it gives you more flexibility to use it for a rainy day. The key would be to see when the rates diverge again and change your approach accordingly. Given that the rates are likely to diverge very soon, possibly by 1%+ in the next year, I wouldn't bother with doing calculations looking out to the next 20 years. You will have made a firm decision long before you get to that point.