zap99

I would book Arvia for April.....oh, I have. An NCL will be later in the year. I need a few more points.

At work, the CSM gave her staff advent calendars. One Monday a girl found a notice on her desk telling form her that her advent calendar privileges had been withdrawn due to misuse. On Friday She had opened Saturday and Sundays squares.

We had dressing gowns and slippers on Azura. They were pretty naff and not something that would even enter my thinking when picking a cruise.

Taken internally can help, can't it?.🤣

Cut out the middle man and use the farmers market. Posh sausages £5.99 a pound , 2 for 12 quid. Mediocre fillet. £38 a kilo. We have a pre Christmas French Market. Stuff about double the price of the same brand in the supermarket.

When it's time to pay the credit card bills DW goes to the machine to get the cash out and print a mini statement and I go to the counter to pay the bill with a cheque. At the counter was the chap who has been there for years and always welcomes me by name and a shiney,smiley new bloke....can I help you sir ?. can I pay this please....sorry sir, you can't pay somebody else's credit card bill. Regulation 713.01 of the financial servic......the regular chap leant across...just process Zaps transaction....by then I was joined at the counter...Good afternoon Mrs Zap. The personal touch is worth something.

They have very clever analysts. If you shut half the desks, at lunch time folk have no choice but to use the machines. See, didn't need them after all. We have a Lloyd's and a Halifax within 50 meters of each other. Both big buildings, both closing the number of counters, both with folk in posh suits directing you to the machines. Nincompoop Zap thinks, why not combine the 2. Half the counters could be Lloyd's and the other half Halifax. Room for both brands machines....but what do I know.

My financial advisor is a Nigerian Prince. He's very good. Just gets on with it and doesn't pester you all the time. In fact I haven't heard from him for ages.

We did in Canada, but will drive ourselves if we can fit in a Warners break .

Our hotel in Menorca had a chocolate fountain one night. Lots of folk took pictures, but not many sampled it. Folks tastes change.

My wife worked for C&A. Best not.....🤐

Jean needs to watch out....Santa may not go to the South Hams.

We were looking at some this morning from Warners.

You would think that the machine would be Christmas ready.....I bet you don't take buttons.....Oh yes we do.🤣

We bank with Lloyd's. We also have a Nationwide branch 20 meters away. When we do our questionnaire I point out that if they shut the branch I have a plan B.

Practice makes perfect. Would Sir and modum like stuffing.......oh no we wouldn't. 🧑‍🎄

1 month to Christmas eve. Just think, South Devon full of townies down for the holidays. I bet you enjoy it really.🤣

We use the bank counter and supermarket tills. We went to Nando's for lunch. The man said ' you can pay and order at the counter, or use the app. Are folk trying to put themselves on the dole ?......you can cook it on the app,or do it yourself if don't want to wait.😡

They will find quite a queue.🤣

Morrisons had one. Only 7.5% fee.😉

No,all bagged propper. We asked for more bags just to let them know. ."We'll be back '.

DW got some presents from M&S. I said I'll have a wander around the food hall and meet you in the new Danish shop. Sostrene Grene ( predictive had fun with that ). I thought " I could have had a trip to the Amazon site, but it's not the same is it. The Carol singing reindeer were working, but Santa's had gone to lunch......I quite enjoy Christmas🎅

Thanks. Something else for the Christmas list. Bertie Bassets.🤣

DW puts her loose change in a pot. My credit card was due and She wanted to pay her change into the bank......can I help?. Yes we want to pay some money in and pay a cc bill. You can do that at the machine, would you like me to show you how ?....yes please, I don't know how to pay £60 in loose change into the machine....I will need to do that at the counter. If you're going to the counter, you can do my cc bill as well can't you?. Zap & DW. 2 Bank. 0 🤣

I bet nobody wanted to give cheddar a stroke, did they.?