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For me, I would like a coin set. Your Nan would have been born in 1956. On Ebay, just type in 1956 coin set. They start from $40. Usually 6 coins to a set. If your Nan is American, you would type in 1956 USA coin set. Know what she enjoys and see where that takes you.

As a tight a*se, I like to know I get value for my money. If I get to try something for one year for free, I then know if it is worth it or not and if not, then I haven't wasted my money. Win, win.

I find this amazing. First they push and push to get you to do internet banking and now because we are doing what they have pushed for, this is now the reason to close branches. I have been with NAB for around 40 years and I now have to explain what I want the money for if I want to withdraw...