Tag: money

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In Sewer Ants

First things first. I love my dog. He is wonderful company, very playful and more than a little crazy. He doesn’t necessarily do as he is told but he fits in well to my family.

The renewal notice for his insurance came through about a week ago and the yearly premium has changed from GBP 400 to GBP 640. This was apparently due to increasing vet’s costs and his age being more of a concern. The whole reason I got the dog insured was to save on vet’s bills. Also, he’s only six years old and so has some way to go before he takes his final walk. A GBP 20 a month increase, or more than 50% increase, seems a little high.

I went to a price comparison website to see what other offers I could get and there were companies willing to insure him for last year’s rates but they would not cover pre-existing conditions.  Unfortunately for us, George has had a few fits over the couple of years and should this become more of a problem than it is currently then a new insurer would not cover that cost. Bugger.

I phoned my current company and they said they could reduce the level of cover to a lower premium which sounded nice, but it would be the same as taking out new insurance and so pre-existing problems would, again, not be covered. Double Bugger.

It would appear that I am stuck with these ludicrous price increases for the insurance for my dog. It would, in all honesty, be cheaper to buy a new dog each year than pay my new premiums!

Apologies to Terry Pratchet for the title of this communication.

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PS3 Insurance no more

The other day I got a letter from Domestic and General who are the people who underwrite my PS3 insurance. My payments are to increase from £4.99 to £7.99! That’s a 75% increase! Now even given the ironic situation of times past I have phoned D&G and cancelled my policy. Somehow £60 a year seemed ok but nearly £96 is ridiculous. I’ve also cancelled my Sky+HD insurance as I’ve just had a new box.
Now, if the PS3 dies I’ll buy another. They are cheap enough. Then I’ll do my best to fix my classic 60 Gb model. It’s lovely! Lots of USB ports, PS2 backwards compatibility (suck on that you later model users), multimedia card slots and SACD playback because, yes, I bought some of those!
Now I just need to remember to back up my game saves regularly.

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Financial Crisis Prediction

The date is 16 August 2011. A few days ago I had a chat with a friend of mine in Washington D.C. and we discussed the downgrading of the USA’s credit rating by Standard and Poor’s. We both agreed that there are at least two or three more years of finacial repercussions of the 2008 financial crisis.
It looks as though the Euro might implode and other countries might find themselves being downgraded. I don’t think the Euro will disappear it is too important for that but I do believe that there is going to be a whole lot more of hurt for the whole world as markets realign the worth of everything. Ministers and world leaders aren’t allowed to speak the truth about the markets for fear that it will make things happen quicker. Those who we expect to speak for the countries are largely self interested and afraid of completely wrecking what is seen as a broken system (by me). This inability to speak of more financial pain is leading to a protraction of the crisis.
I am glad that I work for the state in a roundabout way and not in the service sector. I think the next few years are going to go from pretty bad to worse. Such is life.
It would be nice to see governments finally reigning in corporations and banks so that there is more regulation. It appears that those in charge of these institutions over the last few years have made their cash and are now nicely retired in their gated homes.
Oh for the good old days of stability!? When was that?

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