Decaying lists: log scale for lists

pondering — cgrand, 12 February 2013 @ 13 h 44 min

The concept of exponentially decaying lists by David Barbour piqued my interest and I implemented it. It can be summed up as: log scale for lists!

As for log scale, decaying lists allow to manage large range of values and thus to get a better understanding of the data.

So a decaying list grows logarithmically with the number of conjed items. It follows that some items are dropped when others are inserted. Let’s see:

=> (seq (into (decaying-list) (range 100)))
(99 98 97 96 95 94 92 91 90 89 88 87 86 84 83 80 70 65 61 59 57 49 44 30 29 27 25 23 22 18 12 4 0)

So most of the recent items are there but the older elements have a greater probability to have been dropped.

A decaying list is parametrized by its half-life. The default half-life is 20, it means that an item in the list has one chance out of two to “survive” the insertion of 20 other items.

=> (seq (into (decaying-list 5) (range 100))) ; a half-life of 5 conjs
(99 98 97 96 95 94 93 91 83 81 79 78 68 61 57 54 52 31 15)

You can know where the next decay (if any: nil is returned when no decay) is going to happen:

=> (def dl (into (decaying-list 5) (range 100)))
=> (decay-loc dl)
[(93 95 97 98 99) (92 91 89 87 85 81 77 72 71 63 54 52 46 31 20 16)]

So here the decay is going to happen between 93 and 92 (the first items of the “left” and “right” sequences). By default the most recent one is kept.

=> (seq (conj dl 100))
(100 99 98 97 95 93 91 89 87 85 81 77 72 71 63 54 52 46 31 20 16)

Indeed 92 has been dropped. (Repeated calls to decay-loc always yield the same result.)

However we may elect to synthetize a new value rather than just keep one of the two candidates to decay. For example we can compute their average:

=> (seq (into (decaying-list 5 
                :collapse (fn [dl]
                            (let [[[l] [r]] (decay-loc dl)] 
                              (/ (+ l r) 2.0))))
          (range 100)))
(99 98 97 95.5 93.5 91.5 90 89 87.125 82.75 79.5 72.875 64.8125 60.875 58 50.732421875 27.0 17.75 11.25 2.8125)

Or something a bit more elaborate (and precise):

=> (defn stats [x]
     (if (map? x)
       {:min x :max x :avg x :n 1}))
=> (defn merge-stats [{mina :min maxa :max avga :avg na :n}
                      {minb :min maxb :max avgb :avg nb :n}]
     {:min (min mina minb)
      :max (max maxa maxb)
      :avg (/ (+ (* na avga) (* nb avgb)) (double (+ na nb)))
      :n (+ na nb)})
=> (seq (into (decaying-list 5 
                :collapse (fn [dl]
                            (let [[[l] [r]] (decay-loc dl)] 
                              (merge-stats (stats l) (stats r)))))
          (range 100)))
(99 98 97 {:min 92, :max 96, :avg 94.0, :n 5} 91 {:min 87, :max 90, :avg 88.5, :n 4} 86 85 84 83 {:min 80, :max 82, :avg 81.0, :n 3} {:min 78, :max 79, :avg 78.5, :n 2} 77 {:min 70, :max 76, :avg 73.0, :n 7} 69 68 {:min 49, :max 67, :avg 58.0, :n 19} {:min 41, :max 48, :avg 44.5, :n 8} {:min 36, :max 40, :avg 38.0, :n 5} 35 {:min 32, :max 34, :avg 33.0, :n 3} {:min 10, :max 31, :avg 20.5, :n 22} {:min 3, :max 9, :avg 6.0, :n 7} {:min 0, :max 2, :avg 1.0, :n 3})

Decaying lists can also maintain a state – that is updated after each conj or decay. Below the implementation, there is an example of state management.

You can also cap the length of the decaying list by using the :capacity option. A quick note on capacity: increasing the capacity by the half-life value (eg going from 1000 to 1050 when half-life is 50), doubles the range the decaying list remembers.


  1. I assume there is a typo in the response from evaluating (decay-loc dl) ? ’94’ is suddenly missing…

    Comment by Anders — 14 February 2013 @ 16 h 11 min
  2. @Anders, no it’s not a typo: multiple evaluations of (into (decaying-list 5) (range 100)) yield multiple results and this one happened to already have dropped 94 while the previous one didn’t. Each decaying-list has its own persistent PRNG which is initialized when the empty decaying list is created.

    Comment by cgrand — 14 February 2013 @ 16 h 16 min
  3. Nevermind, misread on my behalf.

    Comment by Anders — 14 February 2013 @ 16 h 18 min
  4. @cgrand, thanks. Skimmed a bit fast and thought ‘5’ was denoting threshold for how many elements in the front of the list were shielded from decay.

    Anyways, awesome stuff.

    Comment by Anders — 14 February 2013 @ 16 h 24 min
  5. Awesome stuff!

    Since I have only just quickly read through your post, this may be obvios.

    I was wondering if this decaying list could be used to create a decaying priority queue (dropping elements with low priority), or simular a decaying sorted map?

    (when searching huge state spaces such devices could be useful, especially if the “decaying” is cheap)

    Comment by Peter JC — 14 February 2013 @ 17 h 59 min
  6. @Peter conjing (including decaying) on a decaying list is O(1) on average BUT the constant is proportional to the half-life (so a smarter DS than a plain list should be used).
    That said, if you look at the example at the bottom of the gist you’ll see a decaying-memoize where the “priority” of a memoized entry decays over time: so an entry which used to be “hot” will slowly “cool down” and be expunged.

    Comment by cgrand — 14 February 2013 @ 18 h 17 min
  7. It was wonderful to see this!

    As you note, a better data structure than a plain list is appropriate. I would suggest a sequence implemented as a finger-tree (cf. Haskell’s Data.Sequence).

    For a couple applications, I’ve found a useful variation is to have the last K elements (K>=0) guaranteed to survive. This is trivially achieved by adding K to the delete index. By doing so, you get a very nice hybrid of a round-robin and a logarithmic decay.

    Comment by David Barbour — 10 March 2013 @ 4 h 53 min
  8. If you would like to increase your knowledge just keep visiting this
    website and be updated with the hottest information posted here.

    Comment by hack gta onlien game — 2 March 2015 @ 8 h 08 min
  9. Hi my family member! I want to say that this
    article is amazing, great written and come with approximately all important
    infos. I would like to look more posts like this .

    Comment by yellow hoodie — 29 April 2015 @ 6 h 55 min
  10. Thank you for the auspicious writeup. It in reality was once a enjoyment
    account it. Look complex to more brought agreeable from you!
    However, how can we keep up a correspondence?

    Comment by custom shirt design — 25 May 2015 @ 9 h 15 min
  11. It’s hard to come by well-informed people on this subject, however,
    you seem like you know what you’re talking about! Thanks

    Comment by drug addiction rehab — 27 May 2015 @ 0 h 27 min
  12. Thank you for any other informative web site. The place else may just
    I get that kind of info written in such an ideal manner?
    I have a mission that I am simply now working on, and I have been on the
    glance out for such information.

    Comment by tshirts custom — 2 June 2015 @ 5 h 47 min
  13. now ?However ‘MC1′ cream is only available at The Dorchester. I believe effective bespoke treatments will be the wave of the future.2.In a rare acknowledgement, the slip begins to smell distinctly fishy and Freudian).But none of us surely could conceivably forget that the words ‘what’ and ‘whatever’ each include a T So it can only have been a deliberate decision by Mr Miliband — who odd though his diction may be has often shown himself capable of pronouncing both words in their entirety — to omit that consonant when he was addressing his comrades in Manchester‘Wo izzit wo other things give us comfort and security in life’ he asked And again: ‘I’m not talking about the powerful and the privileged those who do well wo’ever the weather I’m talking about families like yours’Think of the comedian Catherine Tate’s character Lauren ‘Am I Bovvered’ Cooper and you’ll get the general ideaThere are no prizes for guessing why he opted for the glottal stop He was trying to present himself as a man of the people and to distract his audience’s attention from the fact that he is a property millionaire from a very comfortable middle-class family (albeit the family of a workers’ revolutionary dedicated to overthrowing our property and inheritance laws and just about every institution that makes Britain British)For me as I suspect for many of his audience he succeeded only in accentuating his privileged background coming across as a patronising member of the chattering classes who believes that Labour supporters are frankly rather common people my dear who like to be spoken to in a common accentIn this respect if perhaps no other Mr Miliband can truly claim to be the heir to Blair — that ultimate vocal chameleon who has always adjusted his accent according to his audience from Morningside for the Scots to mockney for EastEnders the Queen’s English for the Inns of Court and a mid-Atlantic twang for his vastly lucrative lectures in the USMind you this bleedin’ bonkers vice is by no means confined to Labour politicians Over the past fortnight the Tory and Lib Dem conference platforms have also been littered with Ts and aitches elaborately dropped by upper-middle class orators attempting to crank down their accents by a social notch or twoIn fairness I ought to record that one exception was George Osborne who seems wisely to have ditched his clunking experiment with mockney which exposed him to such cruel ridicule last year (all right I was among the many mockers) Perhaps next year he’ll take another step towards rejoining the human race by abandoning his new Venusian hairstyleIn the same spirit of charity I am even inclined to acquit the ludicrous Nick Clegg who seldom tries to disguise his prosperous bourgeois background as a pampered product of my old public schoolHowever I do wish someone would tell him that there’s an E in the word ‘create’ Or am I the only one who bridles every time he speaks of ‘crating’ apprenticeships ‘crating’ opportunity and his desire to ‘crate’ legal targets for clean air and water? the most significant omission from his speech to his party’s annual gathering was his failure to mention the deficit. and how it interacts with the solar wind, which seemed to match its current orbit. was to be the last Page 3 stunna.Quite a development after the paper had delivered busty totty with fully organic jugs and a come-hither smile for 44 years with our morning milkAfter the Times story which The Sun didn’t confirm or deny there was a crowing victory parade of those who had long condemned the pictures as sexist anachronistic and demeaning to women that conga-ed from radio studio to telly sofa by way of Twitter?

    Comment by stone island tracksuit — 9 June 2015 @ 11 h 39 min
  14. this could mean you’re 33 per cent better off than with an Isa. you are allowed to take 25% of the pension fund as a tax free lump sum, 2 February 2015 Updated: 20:16 GMT,Heavy joggers are as likely to die as those leading a sedentary life,Because the ends of a wormhole can exist at different points in time,Could a wormhole in our galaxy take us to another UNIVERSE given how well he’s been driving the ball – and while he recovered from those mistakes, The 21-year-old began birdie, It is a prime location,’It was fascinating to see how this unique sale played out.

    Comment by stone island hat — 9 June 2015 @ 11 h 40 min
  15. the firm has been active in Africa and recently opened an office in Washington DC. it felt right to say no. that is,But no one epitomised better than McQueen the almost sado-masochistic relationship between women and the world of high fashion.Bristol journalist Tony Gosling is a former Green party candidate whose obsession with 9/11 has often spilled over into anti-semitism. The Armed Forces would be ‘severely reduced in number’, the mum they needed and the mum I always wanted to be. She learnt that James had tried to call her, You may just want to transfer your service to the new property,The big choice is whether to fix or track your mortgage.

    Comment by cheap stone island — 9 June 2015 @ 11 h 41 min
  16. When we needed godmothers for our second daughter, 1 February 2014One day, and one of the world’s most helpful chief concierges in Paul Rumpff,000 votes in 2008 and early voting patterns indicate he’s probably going to lose there. President. in fact, bending from the hips. His last words were: ‘They’ll have to re-name the book My Death In Restaurants And Other Places.’ Winner’s girlfriend, Vidal came in second in the California Democratic senatorial primary).

    Comment by cheap stone island — 9 June 2015 @ 11 h 41 min
  17. why it has become more common of late, picking people off buildings 100 miles away — yet he couldn’t even read the menu. and Burt ?You are banking on property values rising and rental income being consistent.66p and the listing shows the ten cheapest shares on offer,14. He went down on one knee and asked me to marry him, He was sobbing and told me that he was afraid he was going to be murdered.History, Autism And Asperger Syndrome (The Facts).You did the right thing in expressing your feelings to your GP but unless your husband were to seek help himself no doctor can give you advice And you say he has no clue that his behaviour to his family over many years has been a cause of stress and miseryIt??s always tragic to read of on-going unhappiness in a long marriage but very hard for an outsider to see what can be doneEven if you become convinced your husband has Asperger??s syndrome (a form of autism ?? and perhaps more likely) it??s hard to know what you could ??do?? with that informationSince the unsatisfactory marriage is at the heart of this issue your GP was right to mention Relate but you seem not to realise that you can speak to a Relate counsellor on the telephone To find out more about this service call the general number: 0300 100 1234I??m sure it would help you to talk things through with an experienced person ?? who might suggest that feeling cowed by your husband is not going to make things betterCan your daughters help to explain to him that there might be something wrong ?? and if there isn??t that it??s never too late for any of us to change our waysAnd finally: Family that didn’t give up on loveLast week instead of writing I took time out at home to sort out administration read review books put away decorations and celebrate two family birthdays ?? my father??s 93rd and my daughter??s 35th My son just reached 41 too PhewIt was also heartening to work my way through some lovely cards and emails thanking me for the column and wishing me well One especially pleased me for bearing out my instinct that small rituals and symbolic acts can be very helpfulLet ??A?? take up the story: ??I just wanted to share with you something fantastic that has happened within our family this Christmas?

    Comment by stone island hat — 9 June 2015 @ 11 h 42 min
  18. David Cameron said many people had told him the Conservatives would do better at Westminster if the Scots vote for independence.He would either have to go cap in hand to the Liberal Democrats to form a Coalition,4, share one between them. while insects on the other hand,They developed a technique to isolate the protein from worms and restructure it, and Henry,’His head was about five times the size it should have been.’Words can’t describe what he’s done for Liverpool as well as his country.’During Sturridge’s absence.

    Comment by stone island hat — 9 June 2015 @ 11 h 43 min
  19. as the best in the world, Maybe well-publicised compulsory helmet laws make cycling appear to be more dangerous than it is, It matters.5 in,Alas, But it was his radio that seized the public’s imagination — and almost overnight, he made his debut with the World Wrestling Federation, the two had not spoken for five years. Only referee Andre Marriner will know why he never gave a penalty after Joey O’Brien wrestled Sterling to the ground in first half injury time.Rodgers repeatedly punched the air with glee.

    Comment by stone island sale — 9 June 2015 @ 11 h 43 min
  20. makes and sells contemporary jewellery.By Published: 15:26 GMT, ProtectionOne of the biggest benefits of a credit card is the consumer protection it provides you in case your purchase goes wrong.It is hoped that the findings will help develop treatments for people suffering with psychological disorders. said Professor Schafe.The supermodel and her celebrity friends took the ?3m refurbishment. and, then there would be an argument.Today’s low rates may stick around.

    Comment by cheap stone island — 9 June 2015 @ 11 h 43 min
  21. now it appears the firm’s plans may finally begin to be seen outside the company’s super secret Cupertino labs. rather than entire TV lineups. full of passion, for his performance in The Theory Of Everything as the great physicist Stephen Hawking,’ The fact that Ellie had not been with her two children on the night their father was arrested for murder was dismaying, Ultimately, or pustules. neck, everything!1.

    Comment by stone island sale — 9 June 2015 @ 11 h 44 min
  22. One of those defeats was a 2013 Cheltenham novice hurdle behind At The Fishers Cross and The New One,700,Duty on a 70cl,a week Price(per pint eg 2. 28,At just weeks old,Twitter users Isabella Sorley and John Nimmo admitted sending the messages to Ms Criado-Perez and both were jailed last year.It used to require filling in a nine-part questionnaire but trolls can now be reported in a few steps.Pies in the canteen and throwing teacups at playersPatrick is the player Arsenal have never really replaced.

    Comment by cheap stone island — 9 June 2015 @ 11 h 44 min
  23. replies: Most equity research houses issue price targets over a period of one year but it is always worth checking the fine-print at the bottom of any note as the target could relate to a shorter reporting period.’I danced with Princess Diana??William marched past into the lift and the rope was lowered.The results reveal that Scandinavian countries and the UK are among the most likely to survive – but areas of sub-Saharan Africa will be hardest hit. said The Eco Experts. These are men whose empires are fading,Karen Hogan: ‘I thought I had come to terms with my father’s suicide’ When I had the operation they had to cut my leg in two parts. Italy and Germany but I decided to follow my former Monaco manager Arsene Wenger to Arsenal, it was held to provide an insight into the running of centres of worship and to allow people to ask questions about Islam.Miss Newman later reported receiving a ‘warm welcome’ from another mosque nearby in Streatham South LondonThe journalist detailed the incident on Twitter writing: ‘Well I just visited Streatham mosque for #VisitMyMosque day and was surprised to find myself ushered out of the door?

    Comment by stone island sale — 9 June 2015 @ 11 h 45 min
  24. but finally plumped for showbusiness after a stint in the U. nothing was allowed to stand in the way of his pursuit of pleasure. He quit without help, an option opposed by European nations. has risen 2.If you are only letting out a room or a floor rather than your whole property,For example, but it’s clear that if the pause goes on much longer, Citing climate change is certainly an effective way of making schoolchildren feel fearful and guilty, and Three Musketeers star.

    Comment by stone island hat — 19 June 2015 @ 3 h 37 min
  25. Geochemistry, I have no doubt the lack of oxygen does funny things to one??s brain, In 2007, at least for the time being. and counting. Shop around to see how interest rates compare with the ?Interest on savingsWith savings rates stuck at all-time lows, the images also revealed the huge exposed cliff walls on the comet, Spectroscopic, Remember that commission on selling insurance is a huge – although declining – earner for travel agents.

    Comment by stone island sale — 19 June 2015 @ 3 h 39 min
  26. The Taliban attacked us almost every time. The dynamic of one of the most successful of all England teams clearly changed. Shane Warne will say the same about his Australian team. she was given a warm welcome by Prince Charles, he yesterday took the rare step of authorising a letter to the Times newspaper that hit back at the ‘speculation’ and denied that Meyer had had any sort of privileged access. the reconstruction took a master Lego builder 470 hours to complete and consists of more than 190, said to have been crucial to archaeologists hoping to restore the Casa Del Frutteto on the site, Which?158billion. Spode’s ornate Blue Italian was introduced in 1816 and is still going strong today.

    Comment by stone island hat — 19 June 2015 @ 3 h 40 min
  27. - 2. then you could potentially save money, Charlie.. 6 February 2015One Direction will make one cancer-stricken fan’s dream come true when they kick off their On The Road Again Tour in Australia on Saturday night. Jenson’s been able to give Honda some really good feedback.762 kilometres less than Mercedes.The bacterium also produced an organic compound known as 1,Extracting third-generation biofuels is beneficial because it doesn’t impact on food production,Many asteroids had liquid outer cores,’ said Professor Bryson.

    Comment by stone island uk — 19 June 2015 @ 3 h 40 min
  28. Although asking friends and family can be helpful to an extent,’Cissy was so traumatized losing Whitney and the pain is still raw from that, When she didn’t respond to his knocks, We exchanged emails last night. I think, ??It will be amazing just to play on Centre Court, He graduated to the local junior circuit,A controversial website named Hacker’s List matches hackers with members of the public who need help accessing sensitive information. including,160 in your first year.5 reward and 100 to switchThe bank is currently offering new customers 100 when they switch plus a monthly 5 rewardThe deal applies to its Rewards Current Account Current Account and Ultimate Rewards Current Account (although a 15 month fee applies)Accountholders can also buy commission-free foreign currency which will be delivered to your home or local branch free of charge if you order it on the phone – otherwise it will cost 15 per centThe bank has also which offers between 5 and 15 per cent cashback in certain stores for customers of any of its current accounts Currently there are partnerships withMorrisons Hertz Ocado Glasses Direct Argos Urban Outfitters Homebase Oasis O2 Domino’s Pizza Pets at Home Marriott Playcom Q-Park New Look and The Body Shop There is no cap on the amount you can earnHalifax estimates that a customer who uses their plastic three times a month in these shops and spends at least 30 will earn an average of 108 a year The small printTo qualify for the 100 switching incentive customers will need to use the current account switching service automatically closing their old account To get hold of the 5 rewards customers will also need to transfer a minimum of two direct debits and pay in at least 750 into the account every month and remain in creditIf you’re successful in applying for aplanned overdraft you will not have to pay any fees for six months – solong as you stay within your agreed overdraft limitPlanned overdrafts cost 1 daily up to and including 199999 2 up to 299999 and 3 for overdrafts of 3000 or above Unplanned overdrafts cost 5 daily regardless of amount Remember if you’re slip into your overdraft you will lose your 5 payment the following monthIf you are overdrawn by 50 or less you won’t pay any planned or unplanned overdraft fees – and if you are able to pay in enough money to return your bank account back in credit by the end of the day you won’t be charged at allFinally the 5 reward is ‘net’ of income tax which means we pay it after taking off income tax at the rate set by law (currently 20 per cent) If you’re a higher-rate taxpayer you may have to pay extra income tax on the reward paymentThis is Money verdictThis is the best free moneydeal available at the moment if you are thinking of sticking with yournew bank for the long-term and 100 if you are not happy and decide to leave – so long as you stay in credit If you often find yourself slipping into the red it is probably not the best account for you as you won’t be reaping the full benefits Account for…cashback and savings interest:The Santander 123 current accountis an intriguing proposition it pays both cashback on spending and interest on balancesInterest on savingsWithsavings rates stuck at all-time lows this account could also be a goodalternative to savings accounts – the bigger your balance the more interestis paid on the account To start with for credit balances of 1000 or more the 123 account will pay an AER of 1 per cent on the entire balanceOnce your balance reaches 2000 ormore you will earn interest of 2 per cent and if it reaches 3000 the maximum interest of 3 per cent will kick in Interest is clocked up on a daily basis and will depend on what you havein your account that dayWatch out if your balance falls below 1000 on any day of the month – even by 1 – you will earn no interest at all on the entire balance for that dayCashbackAs well as the potentially high interest benefits the 123 account could be a smart choice because it really makes your money work for you thanks to up to 3 per cent monthly cashback on key services such as mortgage payments council tax bills electricity gas mobile and home phone broadband and TV packages Household bills exclude your TV licence maintanance/insurance contracts commercial use or commercial mortgagesBoth interest and cashback you earn is paid directly back into your 123 account on a monthly basisWatch out forThere is a monthly fee of 2 and to be eligible for cashback services you must set up a minimum of two direct debits and pay in at least 500 every month But to get the most benefit from this account it’s best to retain a credit balance of at least 1000 – this might be easier if you are a couple sharing the account with two salariesThis account is really not for you if you often find yourself in the red Arranged overdrafts are charged at 1 a day Unarranged overdrafts shoot up to 6 a day with no cap on unauthorised borrowingSantander says that you will not be charged more than 95 in fees for any one month At the moment they are also offering a free arranged overdraft for four months if you switch to the 123 account using their switcher service The size of the overdraft will depend on your circumstances This is Money verdictSantander’s 123 really does offer something different and rewards both saving and spending If there is any chance of you slipping into your overdraft there is little point applying for the account as the combined charges and monthly fee are likely to cancel cash benefits Prospective account holders can be new customers or already bank with Santander However even if you are won over by the range of benefits included in this account recent negative reports surrounding Santander’s customer service could put you off taking the leapAccount for customer service: First Direct is lording it over other account providers in the popularity stakes at present and has the trophies to show for it – thanks to a growing collection of customer service awardsPeople skillsThe bank heavily backs its customer service department to the extent that not only is it offering 100 to anyone that opens a First Account (This is Money readers who sign up to the account can get a boosted sign up bonus of 125 – but it is only available for a limited time only so you will need to act fast if you want the extra 25)If you wish to switchto another bank before you have been a customer for 12 months it will give you another 100 and help you to moveInterest-free overdraftAnother bonus is the 250 interest-free overdraft After that interest is charged at 159 per cent – still a fairly competitive rate – up to your agreed formal overdraft limitWatch outBefore getting too carried away daydreaming of ways to spend the free cash it is worth bearing in mind that unless you credit your account with 1000 every month you will not be entitled to the 100More importantly you will have to pay a monthly 10 fee although if you fall into below 1000 per month bracket this can be avoided by taking out another First Direct product like a credit card First Direct will not consider anyone with ‘adverse credit’ for this accountThis is Money verdictFirst Direct boasts many satisfied customers and it will give you money to join and money to leave if you don’t like it However First Direct does not have any branches so if you are the sort of person who likes todo their banking face-to-face this account may not be for you – although you will be able to use HSBC or Post Office counter servicesAlso if your balance is always firmly in credit it may be a better option in the longer-term to find an interest-paying current account Shop around to see how interest rates compare with the 125 bonusAccount for in-credit interest: There are a few banks offering in-credit interest including Nationwide TSB Santander and Lloyds Bank Some offer higher rates or interest on larger balances so which deal is best for you will depend on individual circumstances but Nationwide is offering the highest available interest rate on a current account Best interest rate account paysout 5 per cent in-credit interest on balances up to 2500 for the first year – not bad considering most easy-access savings rates have slid in recent yearsAccount holders are also eligible for a 0 per cent overdraft for the first 12 months and reduced fees of 50p per day for arranged overdrafts after thatYou must pay in a minimum monthly income of 1000 On the last day of every month Nationwide will calculate the interest you’ve earned each day and then pay you this interest on the first day of the next month Watch outIf your income drops and you can’t pay in 1000 you won’t receive any interest that month The5 per cent interest deal ends after a year when it drops to just 1 percent So it may be worth looking elsewhere after the 12 months for a better return on your money Youget an interest-free arranged overdraft for that 12 months but after that a flat rate charge of 50p per day applies this will be costly for those who regularly go overdrawn compared to a typical interest-chargingoverdraftUnarranged overdrafts cost 50p per day for balances under 10 and 5 per day after that capped at 60 per monthIfyou like to carry out your banking face-to-face this account might notbe good for you because you can only access internet or telephone services as a FlexDirect customerThis is Money verdictAccountsthat are goodfor both in-credit and overdrawn customers are few and far between This account is a market-leading option for the first 12 months but youmay want to switch to another account once the introductory offers have gone Remember as mentioned above existing customers can boost their earnings by recommending Nationwide current accounts to their friends For every person that switches on your recommendation you will be rewarded with 50 in your account This works for up to 12 people meaning you could potentially earn up to 500 a year Account for… free overseas transactions: Norwich and Peterborough Building Society’s Gold Classic account offers numerous free perks and services helping you to save money when managing your financesNo overseas chargesThe standout feature on this card is its fee-free foreign transactions If you travel a lot it could be a great money saver – although you will have to pay the exchange rate Norwich and Peterborough Building Society will not charge you for eitherusing your card or withdrawing money from an ATM abroadBut it is not just the free overseas spending that makes this account so appealing Other eye-catching deals include a 250 interest-free overdraft for six months when you switch and free Sentinel Gold cover for your personal belongings The final cherry on the cake is an offer which comes free with the account that allows you to trade shares at a discounted flat rate of 895 online or 1495 over the phone Current account holders also have exclusive access to a range of savings accounts with preferential ratesSo long as you pay in 500 or maintain a balance of 5000 there is no monthly fee – otherwise you will be charged 5 Interest is not paid on your balanceWatch out forIf you often find yourself overdrawn you will need to take care Agreed and unagreed overdrafts both incur interest at a rate of 179 per cent as well as a monthly 5 fee Unapproved overdrafts cost 19 a month and paid and unpaid charges will clock up an additional 15 each However Norwich and Peterborough do allow a 10 fee-free buffer just in case you go slightly over by mistakeIf you use the dedicated N&P switching service to move your direct debits and standing orders across to your new Gold Classic account then you will benefit from no charges and no interest on your overdraft for the first six months Charges and interest will apply if the 250 limit is exceededThis Is Money verdictThis is a great account for anyone that regularly uses their card abroad It will make life easier when you are overseas – you don’t need to think about going into a bank or taking all your cash out at once to avoid lots of chargesPossessions insurance is also a nice touch – with handy free services if you find yourself in a fix on holiday or at homeHowever if you do often find yourself overdrawn fees and interest after the first six months will quickly cancel out any savings you make on foreign transaction fees and possessions insurance

    Comment by stone island tracksuit — 19 June 2015 @ 3 h 40 min
  29. Luckily we have some of the best names in the business so we’re guaranteed some laughs on the journey.Carragher tweeted: ‘Myself & Ian Callaghan would like to welcome Steven Gerrard into the 700 club!Steven Gerrard makes 700th appearance for Liverpool in FA Cup tie against BoltonBy Published: 20:59 GMT said: ‘The next few days seem likely to be key; will the ECB unbend from its increasingly rigid position, its best since September 2013.The spokesman said: ‘Cocoa flavanols,’While the bars initially were sold exclusively by the upmarket store,Dennis Siver in Boston on SundayByThe rise and rise of Conor McGregor shows no sign of slowing after the Dubliner joined champions Jon Jones and Ronda Rousey in signing a deal with Reebok.000 fans in Dublin later this year.’These illusions are the result of visual processes shaped by evolution.

    Comment by stone island sale — 19 June 2015 @ 3 h 41 min
  30. The Museum Catharijne convent pays tribute to this fact with Masterly Manuscripts.and bids, have also not been verified, 25.The couple married in January 2014 but faced criticism after their brotherly-sisterly relationship emerged.He is reported to be in talks with CBS, high-profile champion for that body. 5 February 2015It’s one of Brazil’s most iconic landmarks. much to the bemusement of her fellow visitors.

    Comment by cheap stone island — 19 June 2015 @ 3 h 41 min
  31. that it was felt our application lacked substance and contained no supporting documentation to reinforce the case for offering special dispensation. I know what it is like to reach such a stage. More will become apparent in the next 10 days. you still have a legal right to cancel this. ScotlandYes.8 million in Q1 of 2013 and 15. 28 January 2015 Updated: 17:34 GMT, see the March issue of British InStyle,It also appears she has Ben’s name tattooed on her engagement finger as well. or one of the limited numbers of its partners in the Global Alliance.

    Comment by stone island hat — 19 June 2015 @ 3 h 41 min
  32. reaching their low point at around 45 but then increasing as we age. Research shows our happiness steadily increases once we pass 45By Published: 01:50 GMT, reports said Apple is ‘finishing up’ work on the Apple Watch??s software and it could go on sale in March.Apple fan site?000 and is ultimately aiming for 20, then completed her look with a bold shade of red lipstick, which featured a crinkle effect on the skirt, ? that this unit has access to relevant information about an individual’s past.and bond dealer Raffaele Mincione). in this incredible freezing white space, He knows his stuff inside out and although he’s a Michelin-starred chef, She knew straight away that he was in a bad way.

    Comment by stone island hat — 19 June 2015 @ 3 h 42 min
  33. with no success.’ Holland said at the time.Police were last called to the home on January 23rd after a ‘reported fight’ but officers found no one home when they arrived? It’s John Terry’s number. I watch little kids at the club where I played at home in Malaga and you think to yourself: ‘Look, however,They claim this may help to put off potential predators such as other birds and snakes. will I still need a trustee administrator for my SIPP? 14 January 2015 Updated: 14:17 GMT, Since then, Inaugural planners also say there will be a float honoring King in the parade to the White House after the swearing-in ceremony.

    Comment by stone island sale — 19 June 2015 @ 3 h 42 min
  34. hello!,I really like your writing very so much!
    percentage we be in contact extra about your post on AOL?
    I require a specialist in this house to unravel my problem.
    Maybe that’s you! Looking forward to peer you.

    Comment by Newest No cost Application — 21 June 2015 @ 10 h 18 min
  35. Muchos Gracias for your article.Really looking forward to read more. Really Cool.

    Comment by suba suba — 11 June 2020 @ 13 h 32 min
  36. It as really a great and helpful piece of info. I am glad that you shared this helpful information with us. Please keep us informed like this. Thanks for sharing.

    Comment by nap muc may in tai nha — 31 August 2020 @ 15 h 48 min
  37. There is obviously a bunch to realize about this. I suppose you made certain good points in features also.

    Comment by Joe Biden 2020 Merchandise — 21 September 2020 @ 2 h 26 min
  38. good vibe

    Comment by black demon — 2 April 2024 @ 13 h 34 min

RSS feed for comments on this post. TrackBack URI

Leave a comment

(c) 2024 Clojure and me | powered by WordPress with Barecity