As another year comes to a close -- I'm just thankful that we have stability. A home. Somewhere where Little R calls OUR HOME! And OUR HOUSE! It's a pretty incredible feeling. I had an awesome call with Vincent the other day from SBS Blenheim. 13 days younger than me. Both Pisces. A quick, easy korero where he asked me my goals, my next plans and what questions I had. I was most interested in the upcoming interest rates and what I should do moving forward in regards to this. He gave me three options: I chose the 5.99% rate for three years. This was by far the least risky but also provided stability for the next three years. I'm still waiting for the email/letter to confirm this. When he said - Okay! I'll action this now. - I was in shock. The conversation was relatively quick and simple. Far different to the last one last year where I had to jump through more hoops as I'd still got lots more to learn regarding account conduct etc....