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Banking should be like computing August 25, 2006

Posted by britishbullblog in Geek, General, Personal, Questioning, Whinging Stuff.

I have a loathing for banks and most financial institutions for many reasons, but mainly because they have too much control over peoples lives. Anyway, if I could live my life without having to be associated with banks I would be a much happier person.

I know that I am next to useless at budgeting for future financial commitments. I can happily manage my rent payments for example as that is regular i.e. every month. However, things like utility bills, car repairs, house repairs etc…I am rubbish at budgeting for. Anyway, I was just thinking of ways in which banks could be improved that might help me overcome my inadequacies in this area.

It struck me that my problem is that if money is in my account I will tend to spend it, of this I am sure others can relate. So I thought why can’t you have a folder system for your finances, much like you do on a computer.

You could access your current account and then have a number of sub-accounts where you could set-up a standing order for a specific amount of money to go into each sub-account every month. So for example, you could have a sub-account named as ‘Car Repairs’ and each month (on pay day) £50 is automatically transferred. Come service time you would have a nice stash to cover any unexpected expenses. If that £50 had remained in my current account it would gradually get spent, leaving me in a familiar predicament of thinking, bugger, where’s the cash going to come from for this?

Now this should be possible, but banks (certainly in the UK) don’t like you having lots of accounts. Why?

Well, it’s more paperwork for the bank so you would be a more expensive customer. Secondly, banks like you screwing up because they make money of people who screw up.

Does anyone else suffer the same frustrations?
What do you think of this idea?

I would enjoy hearing your thoughts.


Stuck in the slipstream August 17, 2006

Posted by britishbullblog in General, Whinging Stuff.

I find this really annoying and was just wanting to vent my frustrations.

Don’t you just hate it when you’re walking down a street/corridor/supermarket aisle and come up behind somebody who is going a lot slower than you are. However, this is perhaps not that bad, unless it happens when you are perhaps only a matter of paces from your destination! You’re too close to rush past only to then stop right in front of the laggard who cuses you for being an impatient idiot, but it’s still far enough to be really annoying.

The reason I felt the need to share this was because I was in a supermarket heading for the tinned goods. I only needed a few items, so I thought I would just nip around, 5 minutes tops. However, I came up behind this couple who just seemed to be able to cover the entire aisle! There was just no way around without making a bit of a scene, so I was resigned to loitering behind the couple in question!

Don’t get me wrong, I’m a chilled out person, I wasn’t in a rush, it was just that I was doing something a bit faster than someone else when our paths crossed. It’s more of a pet hate than anything else.

Does anyone else get irratated by this sort of thing?

Blogging for blogging’s sake? August 13, 2006

Posted by britishbullblog in General, Personal, Questioning, Whinging Stuff.

After an intial flurry of posts I realised I had gone a few days without posting. I should be thinking ‘so what’, but strangely had the feeling of ‘must post something, anything….JUST POST!!’

It made me realise that it is perhaps this sense of blogging for blogging’s sake which is creating so many blogs out there that are just inane ramblings of peoples day-to-day lives? Went to the shops today, watched Eastenders this evening, must do the washing-up, purely because people feel they should put content on their blogs, even if it means scrapping the barrel of literary interest.

Don’t get me wrong, I am all for the freedom of expression and that is why I believe the Internet to be such a valuable asset to modern society. However, with the power of ‘Feeds’ should bloggers become more discerning in what they post?

Traditionally, unless blogs were regularly updated, it was thought that people would lose interest and readership would fall. The use of ‘Feeds’ has meant that it is no longer necessary for people to continually check blogs for updates. Instead, if they enjoy a blog and it has the option to subscribe to a feed they can easily stay abreast of new posts without the need to hunt out the blog every time they’re online.

I would therefore, much rather come across a blog whose posts were more infrequent, but more enjoyable, than a blog that posts daily, or perhaps even more frequently, but what’s written is no more interesting than the ingredients on a packet of spaghetti.

I therefore vow, not to blog for blog’s sake, but instead blog when I actually believe what I am blogging is of more interest than the contents of my shopping basket!