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ulster bank… don’t know – do they care?

who am I...?
who am I?

I heard on the radio the European Central Bank rate was cut. All of the Banks are passing it on except Ulster Bank – that is if you are on a variable mortgage. I double doubted myself. Tracker or variable? I could buy some trees… ‘herself’ could get me to put down some skirting boards and hang the doors we don’t have… We’d have a field day and eventually we’d get our home looking like one soon-er….

I emailed my very friendly bank….

First: Is this relevant to landscaping? yes. Relevant to my garden, [they are my personal bank] and also my business bank of 9 years. My mortgages were signed in this branches very office.

Second: If I replied via email to you as my client like this… would ‘you’ be happy with my customer service to you?

From: mailto:info [at] doneganlandscaping [dot] com
Sent: 05 March 2009 16:40
To: (Ulster Bank – Dublin Airport Branch)
Subject: query
Importance: High
A Chara Angela,
Is there any news on Ulster Bank passing on the reduced ECB rate.
Regards
Peter
__________________________________________________
Sent: Friday, March 06, 2009 8:58 AM
Subject: RE: query
Hi Peter,
Have not been in touch with you lately so hope you are keeping well.
The ECB change will automatically apply to tracker mortgages but no word on the variable yet.
Will let you know if I hear anything.
Regards.
Angela
___________________________________________________
Sent: 06 March 2009 09:10
Subject: Re: query
Thanks Angela
I am on the tracker ?
___________________________________________________________
Sent: Friday, March 06, 2009 9:10 AM
Subject: RE: query
Peter if you are on a tracker then you automatically get the reduction.
Angela
____________________________________________________
Sent: 06 March 2009 09:19
Subject: Re: query
am I on the tracker?
____________________________________________________
Sent: Friday, March 06, 2009 9:26 AM
Subject: RE: query
Peter I don’t know and have no way of checking here.
If you look at your mortgage offer.
Angela
____________________________________________________
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good gardens, good planning

garden planning and tree planting
garden planning and tree planting

If one is thinking of where to start in a garden… at the top is usually a good place! In good gardens, good planning is everything. One can have anything they want and at anytime, but, when it comes to working with the seasons this is where one gets the most from their budget.

As I have said so many times, its not what you have – it’s what you do with it.

To analagise, one does not decide to buy Christmas presents on Christmas day. With regard to tree planting and garden planning – if this is something you could consider – one should begin that process now. The tree season of better value is almost upon us. Approximately eight weeks away and the greatest gardens are always made with great planning.

As a rule of thumb of when to plant bare roots and root balls its when the trees lose their leaves and go into a wintering state. But first of course we’ve got beautiful autumn to come when all the leaves are brown…