Thursday, June 30, 2005
I have a student loan from my time at Uni but I never think about this as it's not an 'immediate debt' to me. I can forget about it as the interest is miniscule(ish) for a debt that size as the interest is about £20 per month on a debt of over £10,500. I know it all adds up but as I earn shit money I don't have to start paying it back yet. Anyway there's other debts to pay off before I get onto that one.
I went straight to Uni from doing my A-levels and living at home and can say that I had zero debt, I didn't owe a penny, and had never heard of an overdraft. I had a great time at uni and believe that you have to make the most of it. I spent money on beer, going out, having fun, etc, and didn't really think too hard about the money as my loan came thru, I had a part-time job at the uni bar, and.....HSBC gave me an interest free overdraft of £1000..brilliant.
First of all I tried not to go into it, then only a little, and then I depended on the overdraft limit, teetering on the edge until I put money in. This continued after I left uni, and managed my spending so that I had spent all my overdraft by the exact day of pay-day.
After working for a few years in the 'real world' I have also accumulated some debt on credit cards, luckily transferring my debt around various credits with 0% interest...I am a 'balance transfer whore'!
I was coping, payed my bills, treated myself every so often, was always able to go out, and even made inroads into paying off the credit cards.
But this year has been harder, I've moved back to Ramsgate, where I've got loads of old mates, and along with this it's brought more spending. A lot of my friends earn more money than me, some double, and I always feel I need to be out socially (well only the weekend really) but the past few months have been really expensive and have ruined any hard work I'd done before on the removal of debt (see previous posts of stagweekends, trips to rugby, parties, etc).
Also...HSBC has removed my interest free overdraft completely so I've had to transfer that money to one of my interest free cards to save on paying immediate interest to the bank..cheers.
I've really got to work on my budget and try and get rid of the debt as in another 6 month my interest free cards will stop and I'll be up shit creek.
I suppose I'm kinda happy that I haven't got the overdraft to fall back on and I'll have to really work on those cards. I don't actually use them except for large things I did in the past (I went travelling to Canada in 2003...very expensive although great fun).
I hope no one thinks I'm a hypocrite as I spoken in the past about 'making poverty history' and here I am moaning although I still have a roof over my head, can go out, and I do own a lot of crap, so I shouldn't really moan but it does bother me as I'm still a miniscule part of "the big picture".
Remember you can click on the banner at the top-left of the screen to find out how to help in the 'Make Poverty History' campaign or alternatively on a selfish front if anyone want to be my saviour, if Bill Gates is reading this blog, then feel free to click on the 'make a donation' button on the right!
Tuesday, June 28, 2005
Monday, June 27, 2005
Saturday, June 25, 2005
We actually went to the Chicago Rock Cafe for a few cheap drinks as they were doing a pre-ball party. It was very quiet there but we did get a few champagne cocktails down us, although there wasn't really a way to drink cocktails named 'Cherry Blossom' without raising the camp factor, and if you're gonna do that then you've got to do it with style. (see picture below. Jonny and myself had already been labelled 'gay' as he came as my guest, laydees I can assure you that is not the case....well not for me...I do sometimes wonder about Jonny.)
(notice the demon eyes)
Up next it was N-Trance, who provided tunes such as 'Set You Free' and 'Stayin Alive'. I must admit I had a 'rave moment' and was throwing shapes when the played 'Set You Free', which is an absolute classic, and I was happy that the two vocalists provided some interaction as the problem with getting some DJs and MCs is that they sometimes just whack a CD on and go through the motions.
The Fun didn't stop there, and up next were Kosheen, a late replacement for Akon, who had pulled out of the gig with one weeks notice (resulting in posters around Uni stating 'What A-Kon'). I'd rather see Kosheen who's album 'Resist' I actually own. They were brilliant with Decoder and Substance doing their magic on the decks and synths, and vocalist Sian Evans bellowing out the lyrics.
It was now around 2am, a time when the bars were closing, so we took it upon us to buy more alcohol, and stockpiled it in a bush to last us for the last two hours before our transport home arrived at 4am. In this time I bopped to the tunes of DJ Steve Sutherland who, along with 2 MCs, played a great set, really working the crowd.
I finally got home at gone 5am, collapsed, and sadly woke up at 9:30am.....I'm quite tired now but usually when I wake up I stay up. I think I'll have a lie in tommorrow...
All in all it was a classic night and the depth of the acts was amazing, with no rip-off, miming, ego-inflated stars to be found. Pure Quality.
*this picture is for jonny.
Thursday, June 23, 2005
The International Convention for the Regulation of Whaling dates from 1946, a time when I think there were more things to worry about, i.e. rebuilding after WWII, and on the subject of scientific study it states:
"...any contracting government may grant to any of its nationals a special permit authorising that national to kill, take and treat whales for purposes of scientific research subject to such restrictions as to number and subject to such other conditions as the contracting government thinks fit..."After the 1986 ban on commercial whaling, the Japanese embarked on the Japanese Whale Research Programme in Antarctica.
Fortunately there are a few people at the IWC with a bit of sense, who have suggested that it might be worth analysing this 'scientific data' from the past 18 years before they can justify increasing the number of whales caught....I can see the Japanese backtracking now and having to cram on their homework from the past 18 years...."Sorry Sir, my dog ate it."
The Autrailian delagation (lovely folk) put forward a motion that the Japanese would have to cease killing more whales, or switch to non-lethal modes of study, until the data has been collated on the 18 year study.
The motion passed by 30 votes to 27 votes, a narrow margin. Luckily not all the developing countried that Japan had
Sadly it seems that this will not do and Japan will hope to reverse this decision at next years vote, hoping to enlist more nations that would side with them.
"It's time for Japan to respect an international forum which has said for the 41st time in 18 years that there's no justification for this research programme," Patrick Ramage of the International Fund for Animal Welfare (Ifaw) told BBC News.I've been on the IWC website and had a look at the recent additions to its membership. In a previous post I put maps up to show that many of the countries Japan had enlisted had no actual interest in whaling as they had no coastline. Click on the following names, all of whom have joined in the past year, to see their non-exitant coastlines: Luxembourg, The Slovak Republic, The Czech Republic, Hungary.
I must admit that I'm a bit biased and that I am a bit cynical in thinking that every new country that is joining has been coerced by Japan and is in favour of whaling. Maybe, just maybe, these countries are joining so that they can have a positive say against whaling. I can dream but it seems that people are only willing to join something if they have an alterior motive and want to get something out of it. I am so cynical.....
Wednesday, June 22, 2005
Just Started Blogging
My friend Dave told me about blogging so I thought 'Fuck it' and am gonna give it a go. We'll have to see how long it lasts. Hmm now to find stuff to put on it. - adem
posted by adem at 7:28 PM
I'm sure that this is the way that many start but I've seen many bloggers lose their way and fail to update their blog after the first few months......how sad. In fact this is the case for Dave's blog, which has a grand total of eleven posts, and shares the same birthday with the Big Blog.
Tuesday, June 21, 2005
As you can see from the picture, I collect Newspapers, glass, and tins, and every 2 weeks the 'green' waste (stuff from the garden) is picked up by the special binmen.
The only thing is that there's no provision for plastics, which to be fair are a lot more prevalent nowadays in our throw-away consumer lives. I think it may be because there are so many types of plastic that it would probably cost too much and take too much energy to collect it and thus it would negate the whole recycling ethos. Who knows? I could probably look it up but I can't be bothered (just look here).
I still don't understand why the whole 'returning bottles to where you bought them from and getting a few pence thing' was discontinued here in the UK. I do remember having to take back lucozade bottles and getting a few coins back sometime in the 80s, and local kids would see if they could take other people bottles back (and obviously keep the return coinage.)
I was in Canada a few years back and they still operate that kind of system, and I'll tell you, people are less likely to throw away their bottles (When you buy the drinks your receipt tells you how much deposit you paid for your bottles adding actual value to the receptacle you are using.) Any that do get littered are soon picked up by tramps and they get a few cents their way. Still having plenty of homeless isn't good either.
Well I'm off to bed as I 'm tired and have been working at the pub, and I sure this post has started to ramble a little at the end.........zzzzzzzzzzzzzzzzzzz
Monday, June 20, 2005
Strangely it wasn't.........silly me.
How can this be? Well since the International Whaling Commission (IWC) set up in 1947, the membership has more than doubled from 30 to 66, with 9 new members joing in the past year. Japan has been
Excuse me, Mr Mali, where's your coastline?
Excuse me, Mrs Mongolia, where will you be whaling?
I hope that the ban remains as many species of whales have been almost harpooned to extinction, but even if the ban remains there will still be those countries who simply decide to ignore it and make a sham of a system put in to protect our wildlife (Japan hunted 400 whales last year for 'scientific reasons' and the Norwegians openly defied it by giving its whalers a quota of 670 whales in 2004, up to 797 this year.)
Still we can't talk can we? Don't even get me started on the poor Cod!
Friday, June 17, 2005
Thursday, June 16, 2005
Also: I joined Flickr today and whacked a few pictures up and put the 'flickr daily zeitgeist' on the sidebar to the right. It should be scrolling through a few of my pics.
Football is constantly changing after the Bosman ruling (freedom to move once a contract has finished) and now maybe the Cole ruling (opportunity to meet potential future employers whilst still under contract to current employer). Many argue that it's ruining the game, but at the end of the day the Clubs are employers, Players are employees, and we the Spectators are the consumers, that's the way it is and Football can't be expected to be treated like anything other than a business, at the end of the day there is profit/loss and the aim to be a successful market competitor.
Show me a job where you, an individual, cannot give notice to your employer and are not allowed to look at or meet prospective employers or business oportunities. I can't see where the future of Football will be when football players gain parity in their contract status with other employees in different fields (excuse the pun) of employment. They will be moving around will-nilly (I have never written that word before, a first, wow!).
In all fairness if another club wants to offer more money to Ronaldo, then he should be able to give a period of notice and move on after that time. But hey that's not the nature of the beast.
I don't doubt that players will gain their 'freedom' sometime in the future, and transfer fees will be scrapped, with the players going to clubs who can afford to pay them (Chelsea anyone?).
Maybe the only solution would be to impose a team salary cap, i.e. all players are free to move as they want but each premiership team can spend a maximum of £40 million on wages a year (See what they already pay). It's be a bit like fantasy football, and the managers would have to decide where the wages will be going. It would also mean that players would keep their wages lower so that they don't price themselves out of the market, and won't ask for huge wage increases.
I do think sports players get paid too much money, but we, as the consumers, are constantly buying the 'product' so why should anything change?
Tuesday, June 14, 2005
This picture is not of me, but luckily you can check out an mpeg by
Monday, June 13, 2005
1. Burtons (I like simple cheap clothes and some of the stuff they do fits the bill, or Adem in this case).
2. Waterstones (wow, a place you can buy books! It's not the biggest one I've been to so they've had to chop out a few categories. But I picked up Angels and Demons by Dan Brown for £3.49, I'd read his others ones already but that one had eluded me.)
3. HMV (I went to a friends brothers gig at the Brittania pub in Margate, Ollie Hodder, and I must say the boy's got talent. His opening song was a cover of Underdog (Save Me) by Turin Brakes from 'the Optimist Lp' of which I used to have a copy of (now long lost) so I bought that album plus Psyence Fiction by Unkle, which I only have on cassette, in a 2 for £10 double whammy... fantastic!)
Now either someone's been dropping the old rohypnol into my pints (I did wake up with a funny taste in my mouth...) or I was just drinking a bit quicker than normal.
hmmm I'll have to wait till next weekend to see if the results can be replicated.
On another note last week I decided I wanted to go fishing but no one else could be bothered apart from Big Gay Tom, so we set off to Deal Pier at 11:30am on Sunday (would've been earlier but Tom had to clean out the rabbits hutch). The weather was a bit cloudy and windy but it was still a good day and we carried on till 6pm as I had to get back home for a session of Dodgeball at Pfizer where Jonny had booked the sports hall. I've realised that I'm not very good at Dodgeball (although it was my first time) but made my own enjoyment by being juvenile and putting my fishy fingers under people noses and saying "your mum!".....ah school days......and MILFS......
Tom casting out his big rod
The ugliest fish ever....(looks a bit like blinky from the Simpsons)
Memories of the day....1. me constantly singing Ordinary People by John Legend (it started to annoy me after Tom had committed suicide) 2. Me constantly going on about "how shallow the water was" (I said it about 50 times).
Friday, June 10, 2005
I've just had a look at his website johnlegend.com (obviously) and his biography reveals that his real name is John Stephens (I knew Legend wasn't his real name) and that Lauryn Hill and Stevie Wonder, Aretha Franklin, Curtis Mayfield, Al Green and The O'Jays are among his primary influences, a fact that is evident from hearing his music.
Legend demonstrates a rare ability to fuse the "feel" and vibe of classic old school soul music with the edgy flavor of 21st century hip-hop. While the romantic themes of traditional R&B permeate John's Get Lifted, there's also a street-worthy hipness and confidence: the sensuality of Marvin Gaye and the sincerity of Stevie Wonder merging with the directness of Snoop Dogg and the wit of Kanye West. Yet, John Legend is very much his own artist, gifted with singular talents and a unique sensibility.
There's nothing like a label bigging up (how hip am I?) an artist, but in this case I think they may be onto something. I think the best thing for you to do is check out the website and click on 'media' to see what it's all about. Hopefully we'll hear a lot more from him, and as he has made it into the 'popular' media I'm sure he will. Even if he falls out of the limelight I think he'll still be successful as a songwriter and musician as he has done session work with Alicia Keys, Janet Jackson, Talib Kweli, Jay-Z, Britney Spears, Eve, Common, the Black Eyed Peas and Kanye West (whom co-wrote his current album). By the way....whatever happened to Jamie Cullum?
Thursday, June 09, 2005
This week has been fairly chilled, and I think it's helped that the weather has been nice. I've even managed to get a few bits and bobs done at home. I mowed the lawn on monday (looks nice, and becoming a habit), and even did a bit of carpentry on tuesday and yesterday. In the hallway there's a coat cupboard, which had some fairly flimsy doors on that kept popping open, so I got some timber out of the shed, some hardboard (from homebase), and got out my workbench, jigsaw (the tool, not the puzzle), drill, and a variety of screwdrivers, and built a set of new doors. They look good and only need to be painted but the only annoying thing is that the house isn't straight! My doors are perfect but the actual frame is not, which means there's a bit of a wonky gap between the doors, but don't worry (ha! like you were) as a bit of beading will sort this out! I know it's cheating but it's certainly easier than putting in a new frame.
Well that's then end of this DIY post.
Still no updates on the holiday (remember to comment and tell me good places to go in reference to a few posts ago)
Monday, June 06, 2005
This time I want to make a change, I want to go on a crappy sun-drenched holiday where I don't have to do anything except order cocktails from the beach. It goes against everything I usually do but I'd actually like to be a brit abroad, speak none of the lingo, just laze on the beach, and maybe, just maybe, relax, and return with a tan. I don't want too many ravers there, maybe something in a Magaluf stylee, where the flights are cheap, and maybe I could stay in a hotel (I'm sick of busy hostels), and I don't want to go sightseeing!
So I put this challenge to you! Tell me where I should go! Just post a comment, and maybe, just maybe, you could change my life! What an incentive!
The seats were quite good so I'm quite happy with the photos although as I was using the 6x optical zoom most of the time to good effect it seems a shame that I've only got 2 megapixels. I've see some cracking digital cameras lately that resemble the old SLR type, great for actual photography but not too practical for going out with...and they're well expensive too! Maybe next year.
A few months ago I mentioned that I'd booked a trip to Edinburgh as EUJet were doing cheap flights. I got the day off work but it was a every exhausting day. The flights were at 6:15am so I got up at 4:55am! Luckily the airport is only 5mins drive away. I went with my Mum and Sister on a bit of a family outing and we saw the sights, and a nice dinner, bought a few knick knacks and by the time we got home (around 8pm) I was knackered.
Roll on the weekend!
As is always evident the anonimity that a uniform/disguise provides is amazing when it comes to slf confidence, stupidity, and the attention of the opposite sex. Even the most usually shy member of the group will gain new confidence bouyed on by the praise of members of the public and the attention received from 'laydees'. Amazing.
It was a good time, but geting up at 8am and going to bed at 2am took its toll over the weekend, and was yet another reason for me to be tired.
This morning I got the photos from my camera and uploaded them to my site. In the next few posts you shall see what I've been upto in the past week. My usual week consists of:
Monday: Work 10am-2pm + 7pm-11.30pm
Tuesday: Work 10am-2pm + Squash 8pm-9:45pm
Wednesday: Work 10am-2pm + 4pm-10pm
Thursday: Work 8am-10am + 10:30am-2pm + 5-aside football (varied times in evening)
Friday: Work 10am-2pm + 7pm-2am (Night Out)
Saturdays and Sundays are a mix of leisure sports (golf, football, etc) and drinking, going out, or trips arranged by me.
If you add up the working hours then it only equals 32 hours ( a few less than the typical working week, but the thing that makes it seem much longer is that my time is divided between two jobs, one daytime, one evening, which makes it seem like I'm workin the whole day as there isn't that time to 'switch-off' and relax. I'm always thinking that I can't stop as I've got more things to do. It's the same with the evening sports that I'm committed to doing, which are fun but can at sometimes seem like a chore when maybe I've had a hard day.
I know I've been moaning but as my weeks are crammed full, then I seem to think it'd be great to do something at the weekend and maybe getaway for the day.
My next posts will detail these, but usually the weekend will finish, I'll be even more tired and then the week cycle begins as it's monday.