Saturday, December 29, 2007

The Provident.

Shame on greatoffers@allaboutsavings.co.uk for this email, which is neither a great offer, nor anything about savings.

The Provy, those bullying, preying-on-the-poor, knocking-on-the-door loan sharks, have offered me possibly the worst terms for a loan ever.



Have a look at the bottom right,
*Example. Cash loan amount £300.
56 weekly repayments of £9
Total amount payable £504

Typical
183.2% APR

183.2% APR typical. So some people presumably get even higher rates!

Let's have a look. CCJs, poor credit history, been turned down before, renting a home, unemployed... yep!

So you're perhaps not in the best financial situation? How can you almost guarantee to make it a million times worse? Oh yes, borrow from the Provy! Borrow £300, pay back £504. And that, of course, is if you make every payment every week. If not... well, higher interest, increasing your 'loan' amount to cover missed payments... add a bit more to the end cost. You're already buggered, why not?

I am furious that this was sent to my email. I *hate* these people.

Now, a good organisation is Church Action Against Poverty. A Church group putting their faith and efforts to the good (unlike some).

Their Debt On Our Doorstep campaign
is a national campaigning organisation made up of local activists and public organisations. We aim to end extortionate lending and ensure universal access to affordable credit and other financial services. To this end our objectives are to:

* Publicise the extent and impact of extortionate lending on low income groups

* Lobby Parliament, assemblies and other decision makers to end extortionate lending

* Research and promote models of affordable credit

* Provide a platform for people on low incomes to comment on the impact of debt

We are part of a growing international movement for responsible lending and have been involved in the planning of a series of national conferences throughout Europe which culminated in the launch of a European Coalition for Responsible Lending in Brussels in 2006.

Debt on our Doorstep was the first organisation in the U.K to call for a 'responsible lending' duty to be placed on lenders, and this has since been introduced into the new Consumer Credit Act. We are expecting a consultation exercise on the requirements for lenders in the near future. Unfortunately, our campaign for interest rate ceilings to be introduced has not been successful, although the Government has pledged to keep this matter under review, and our work to bring about a competition commission inquiry into the Home Credit industry has recently brought about a real possibility for price caps in that market.

We are also working to develop local financial inclusion partnerships, and are calling for requirements to be placed on the banking industry to disclose, and then improve, the level of financial services available in low-income communities. In this respect, our work has been informed by the National Community Reinvestment Coalition in the U.S, with whom we are closely involved in our international work.

Debt on our Doorstep is also calling for excessive default charges, made by credit card lenders and banks to be refunded to borrowers - a total of £1.8 billion has been overcharged in the past 6 years for credit cards alone - and is working with the Bank Charges Action Group to recover these..

Good on them.

Also, if you're in financial trouble yourself, I can't recommend National Debtline too highly. They are a source of great advice and support, they don't charge anything (unlike so many of those companies who advertise on TV to help with your debts) and have helped me consistently over a long period.

As for greatoffers@allaboutsavings.co.uk, gmail rightly put their shit into my spam folder, where it will stay.

Monday, December 24, 2007

Chocolate

I just went to my local shop, to find it had displays of Mini Eggs and Cadbury's Creme Eggs.

Happy Easter, folks!

Tuesday, December 18, 2007

The 90s

I'm watching some old Silent Witness episodes (an Amanda Burton fix was feeling necessary).

Weirdly, one of the things that dates them is the fact that all the women's trousers come up to their waists! Every woman really stands out because she's not wearing hipsters. Damn those things have taken over.

They look cool, but I can't wear them. My tummy is too round and they fall down all the time. It's now virtually impossible to buy jeans that cover tummies.

Let's go back to the days of Amanda Burton on telly, and jeans with tummies. In finding a link for her I discovered that Ms Burton's last two relationships have been with photographers. Admittedly they were male, but there's hope for me yet. Maybe.

Wednesday, December 12, 2007

Helping Charities with Recycled Used Stamps

Used-stamps.co.uk is in need of an update, so until that happens, still collect all the used stamps off envelopes you receive (particularly at this time of year with Christmas cards and such), and send them off to:

Posted! Stamps for Charities
Education Distribution Service
Freepost FPN 772
Castle Road
SITTINGBOURNE
Kent ME10 3RL


Apparently these will be distributed to charities such as Great Ormond St Children's Hospital, RSPB, Macmillan cancer support and RNIB.

Info from the ever good money saving expert forums.

Go awn, it's an easy good deed to do :)

Tuesday, December 11, 2007

It's exactly as we all hoped!

Jodie Foster comes out - at last!
Congratulations, Jodie. But why did it take so long to confirm what we already knew?

It's standard practice for Hollywood stars to thank friends and family when accepting awards. But when Jodie Foster paid tribute to "my beautiful Cydney" during a speech at the Hollywood Reporter's Women in Entertainment breakfast last week, it caused a ripple of excitement.

So now we know. Jodie Foster's partner of at least 15 years is a woman. Just like Jodie. That's right, folks: Jodie Foster is a lesbian. This startling piece of news is akin to the shock revelation that Rudolph the Reindeer has a very shiny nose. In other words, if you didn't already know this, you seriously need to retune your gaydar.

It's a secret as open as the Grand Canyon that Foster has been stepping out with film producer Cydney Bernard for years, and that they are raising Foster's two children together. The surprise is not that Jodie is gay, but that it has taken her so long to say so.

Famously protective of her privacy, Foster has long resisted calls from gay rights advocates to become an out-and-proud role model. Lesbians across the land have long been divided by the Jodie question. Her willingness to take on gutsy, serious, even feminist roles is admired, while her coyness about her sexuality has been met with disappointment. After all, we don't have many role models, and a trip down the red carpet hand in hand with Cydney would have done a lot to raise lesbian visability.

There's a widely held view that being gay is bad for a celebrity career: Ellen DeGeneres - who had a TV series cancelled shortly after both she and her character came out - is a case in point. But surely someone with the prestige and power of Jodie Foster could challenge the squeamishness about homosexuality that still prevails in America.

Perhaps, though, we should cut Jodie some slack. I don't recall Nicole Kidman, say, having to "announce" her heterosexuality. The fact that the grand gesture of "coming out" is still a big deal just shows that most straight people still assume everybody else is heterosexual. The advantage for Jodie is that she only has to come out once. Non-celebrity lesbians and gay men have to do it every time they meet someone new.

Sunday, December 09, 2007

Continued 2

We just wanted the life insurance money, and that was more important than letting you grieve your dad for 5 years, believe he's gone forever, and actively hide his existence from you.
I don't think you could ever forgive that.

Continued

Who is thought to have left panama for florida, has been feeding stories to the papers about how, amongst other things, he hid in a tunnel when they had visitors, including their sons.
Now, this is what blows my mind. Life insurance fraud, while maybe unusual, isn't that weird. But pretending to your sons that their dad is dead, when you know he's not, is just horrific.
It was recently the 2 year anniversary of my dad's death. If, in another 3 years, my mum said oh, by the way your dad is fine, we just

Unbelievable

I've been following this news story over the last week or so, of the guy who turned up at a police station saying he had lost his memory. It came out that he had been presumed dead after disappearing when canoeing in the sea 5 years ago.
It then got stranger, when someone told the police that a recent photo of this guy + his wife was on a website about buying property in Panama.
It all began to look like a big life insurance scam. He has indeed now been arrested and charged with fraud, and his wife

Thursday, November 29, 2007

About Bloody Time

Reforms aim to dispel rape myths and increase convictions

Clare Dyer, legal editor
Thursday November 29, 2007

Juries are to be told how rape victims typically respond in an attempt to dispel "rape myths" which ministers believe are contributing to plummeting conviction rates for the crime.

A panel of judges, doctors and academics will start work next month on the project, which will attempt to put together a package to inform the jury without interfering with the fairness of a trial.

The move is part of reforms announced yesterday by the solicitor general, Vera Baird, aimed at boosting a conviction rate which has dropped from 33% of reported rapes in 1977 to just 5.4% in 2005, rising slightly to 5.7% last year. A US study in 1989 found that myths affected the outcome of rape trials more than any evidence.

Jurors are expected to be told that victims may be slow to report the attack and that they may appear unemotional in the witness box, contrary to expectations.

"Juries sometimes find it difficult to understand why a rape has not been reported to police immediately when, in fact, it can take victims some time to decide to make a complaint," said Baird.

"Juries can think that she [the victim] will be upset and very emotionally raw when she relives the episode for the court when, in fact, post-traumatic stress makes people seem unemotional and almost matter-of-fact."

Ministers initially proposed allowing expert witnesses to give evidence to the jury on how rape victims behave. But that idea, which circuit judges described as a "minefield", has been shelved. The panel is expected to recommend an information booklet, a video or directions from the judge. A proposal for a statutory definition of "capacity to consent" - to deal with situations where a woman was so drunk it was questionable whether she had the power to say yes or no - has also been scrapped.

Baird said legislation was unnecessary since the court of appeal had set out in a case last March how juries should approach the issue when it quashed the conviction of Benjamin Bree, a 25-year-old software engineer found guilty of raping a 19-year-old student after a night of binge drinking.

The reforms include proposals to allow victims to substitute a videotaped interview with police for their initial evidence in court. Restrictions on the admissibility of "hearsay" evidence - occasions when the woman confided in friends or relatives - about the rape will also be removed.

Katherine Rake, director of the Fawcett Society, welcomed the proposed changes but added: "These changes will not by themselves lead to a significant improvement in the conviction rate as most cases fail long before they get to court.

"Responses to allegations of rape need to improve across the whole criminal justice system and wholesale reform is needed to tackle the failures in the investigation and prosecution of rape cases."

Friday, November 23, 2007

China and the Lamas.

The Chinese government has brought in a law making it illegal to reincarnate without their permission. It's all because the Dalai Lama is now 72 and they want some control over the next one.

As well as imprisoning the Panchen Lama chosen by the current Dalai Lama, they have nominated their own Panchen Lama which could potentially lead to *two* Dalai Lamas being appointed on the current one's death - one officially sanctioned by the Chinese government, the other by the Tibetan and other Buddhists.

The current Dalai Lama has said that he will reincarnate, and that he won't reincarnate as a Tibetan, leaving the interesting position of the Chinese Government having to sanction a Tibetan person in the position.

Interesting stuff!

Wednesday, November 07, 2007

TJ Hughes sends you a hug

with their faulty lighting, in Sheffield city centre tonight.

Sunday, November 04, 2007

Anti-Glurge

(What is glurge? Glurge is best described as the cloyingly sentimental stories, testimonials and object lessons frequently sent as email or chain letters. Glurge can also be experienced at the end of religious services or motivational speeches, usually in the form of a 'true' example of perseverance against seemingly impossible odds. read more...




Emma's Story

Many years ago, a new family moved into our neighborhood, little six-year-old Emma and her mom and dad. They were a fine and upstanding Christian family. The first Christmas they were there, her parents bought Emma a fluffy white little bunny which she called Buster. Emma loved Buster with all her heart, and it brought such joy to me to watch Buster and Emma playing happily in their garden.

One day, Buster fell ill, and Emma and her parents carefully carried him to the car and drove off to the vet's. But on the way, a drunk driver drove through a red light and crashed into Emma's car. Her dad and the bunny died instantly, and Emma's mom died three days later in the hospital, never having come out of a coma.

Emma was alone in the world, a scared, sad little girl. Looking at her, I could hardly believe it was the same child who'd played with with such delight with Buster in their garden. I learned from the police that they couldn't find any other members of Emma's family, and that she was indeed alone in the world. Emma would in all likelihood go to an orphanage.

I prayed to Jesus to help me find a way to help little Emma. And He spoke to me deep in my heart and told me what to do. Jesus told her that my husband and I--who had not been blessed with a child of our own--must adopt her. He said it would be a hard road, I would have to fight for her, but that little Emma needed a new mommy and that I had been chosen. Suddenly, my spirit filled with His love and goodness, and weeping, I knew He was right.

On Christmas Eve, the final adoption approval was given, and Emma moved into our home.

Slowly, with help from the Lord, Emma came to love us as her own parents. Every night, I'd pray with her, thanking Jesus for His love and for all our blessings and our happy family. Once again, Emma became the contented little girl I'd known before tragedy had descended on her.

But then, one night as we were praying, she asked the question I'd been half-expecting, half-dreading. She looked up at me with her big, blue, innocent eyes, and said, "Mommy, if God loves us all, why does He let bad things happen? Why did He let my first mommy and daddy and Buster die?"

I smiled sadly and prayed silently for a moment to Jesus to help me find the words. But just as I was about to answer, Emma interrupted me.

"See, if God is omnipotent, then he cannot be omnibenevolent given that evil exists in the world. It's not logically consistent. And don't give me that crap about 'free will' because that's not compatible with God's omniscience, which must surely extend into the future."

Taken aback, I prayed silently again to Jesus to help me find the words. And He gave them to me. But before I could speak, Emma, seeming to read my mind, smiled softly and shook her head.

"And no, that garbage about 'God moves in mysterious ways' won't cut it either. Don't you think it's incredibly convenient that Christians have no problem giving credit to God for the good stuff, but anything bad that happens is just pushed into the too-hard basket? And you've got to admit, it's strangely self-serving to believe that the entire, majestic cosmos was made just to be wallpaper for a single species of primate on an insignificant planet on a spiral of a rather average galaxy, isn't it?"

As those questioning eyes gazed up at me, I realized she was right. And that night, I became an atheist. What a relief.

If you love cute, fluffy, white bunnies and little girls with big blue eyes, and really hate drunk drivers, please pass this email on. Jesus wants you to.

Saturday, October 13, 2007

Blog Updates 13/10.

Newly Added Blogs

LonerGrrl
Anti-Pornography Activist
Daily Dose of Imagery
Javajive - Photography from Indonesia
3 a.m. from Kyoto
Spice of Life
Newly Added Sites

The Feminist E-Zine
Free Sewing Book

Of Interest

In June, I wrote about my city flooding - not something that ever happens here, and a shock to everyone. According to Environmental Defense in America, global warming will cause more and more flooding. The Spicy Cauldron eloquently discusses the same issue. Will we ever listen??

Trying to reduce your plastic carrier bag usage? Well, don't shop at Primark! Refusing a carrier bag just isn't allowed for security reasons. Ridiculous! Complain, quick!

Wednesday, October 10, 2007

Women and Pensions (UK)

Because women often need to take breaks from our careers, to have children or because of caring responsibilities, it's quite common for us to lose out on a state pension due to lack of National Insurance contributions.

So, as a service to the women of Britain aged over 60, I'm sharing this article from the fab Money Saving Expert site.

Are you a woman over 60 who doesn't get a state pension?
Are you a woman over 60 who doesn’t get a state pension? Get £1000s back
What's this about?

A parliamentary question by a Lib Dem MP has shown that many women in their 60s are unnecessarily missing out on the state pension. To get a pension you need to have paid national insurance for 10 years of your working life; around 750,000 women are believed to be very near, but just under, this threshold.

By offering to pay a few £100, if you're near the threshold you can start to get the basic pension of £87 a week, and get a backdated payout from your 60th birthday, which is likely to be £1000s.

The reason I write 'offering' is actually you won't need to pay them money - it can just be taken from your payout. E.g you need to pay £340 of National Insurance to get your entitlement; and then you're owed £2000 back pay. The £340 then just comes out of the back pay.

Who's affected?

Women most likely to be affected are those that have paid some national insurance contributions but may have taken a break to have children, and not quite met the 10 year contribution quota to get a pension. But if you're a woman over 60 and aren't withdrawing a state pension, check now.

How to check

The quickest way to check is to call the National Insurance Deficiency Helpline on 0845 915 5996.

Explain your situation and ask how far off the required national insurance contributions you are to get a pension. You won't actually need to part with any money; the top-up contributions will simply be deducted from the backdated pension you are owed.

What you need to find out is

A. How much more national insurance must I pay to get a pension?
B. How much will the pension be each week?
C. How much will I get backdated?

Assuming the benefit of B and C outweigh A.... go for it!

Will I lose benefits elsewhere if I draw a pension?

Drawing a pension may affect other means-tested benefits, but this differs case by case. The best thing to do is follow the steps above to check whether you may be eligible and if it's worth it.

Also if you are married, have a husband more than 5 years older than you and are drawing a pension on his contributions you're unlikely to benefit.

More information

This was first reported on BBC Radio 4 by the Moneybox team... if you're looking at this it's well worth reading the article and listening to the audio.


Read the BBC article: Pension Boost For Older Women
Listen to Radio 4: MoneyBox Item on this pension boost

Tuesday, October 09, 2007

Snippets

Great news, via the Indie and the f-word, Major airline refuses to help with forcible removal of immigrants.
By Robert Verkaik, Law Editor
Published: 08 October 2007

An important part of the Government's immigration policy has suffered a serious blow after a leading airline announced it would no longer carry failed asylum-seekers who were being forcibly removed from the United Kingdom.

XL Airways, which has a fleet of 24 aircraft, said it was opposed to the policy because it had "sympathy for all dispossessed people in the world".

Last week, The Independent revealed that hundreds of failed asylum-seekers have claimed they have suffered physical and racial abuse during the removal process at the hands of private security guards.

The Government relies on airlines using chartered and scheduled aircraft to deport asylum-seekers who have failed to win a right to remain in the UK.

In an email to a campaign group which supports failed asylum seekers, XL said its chief executive had told the Government it had not "fully understood" the political dimensions of these flights. In February, one of its aircraft was used to deport 40 failed asylum-seekers to the Democratic Republic of Congo as part of the Government's "operation castor".

Now it has emerged that the airline has written to the National Coalition of Anti-Deportation Campaigns confirming its decision to pull out of any further flights. The XL email, sent on 12 September, said: "We had a contract with the Government along with other carriers, for a range of flying. Under this contract we operated one flight in February to DR Congo as part of this contract, without full understanding of the political dimensions involved.

"Our chief executive [Phillip Wyatt] had made it quite clear to all concerned that we will not be operating any further flights of this nature ... We are not neutral on the issue and have sympathy for all dispossessed persons in the world, hence our stance."

A spokesman for the airline told The Independent the Government had been informed of its decision. Other airlines are now expected to make their own objections public.

It is not known how many airlines have contracted to carry failed asylum-seekers but it is estimated that the Government pays out several million pounds each year. Emma Ginn, of the National Coalition of Anti-Deportation Campaigns, said last night: "It's time airlines rethink what they are doing. Shareholders and customers will be horrified by the reality of what happens to deportees taken for these flights."

The Borders and Immigration Agency, the government body that has responsibility for forced removals, has refused to disclose details, requested under the Freedom of Information Act, about deportation flights. The agency said: "If we were to disclose the information you have requested, this would prejudice the number of airlines willing to contract with the agency on charter operations and could drive up the cost of such operations. In addition, the release of information could damage commercially those airlines who offer this service."

British Airways and Virgin, who were contacted by The Independent, said their aircraft had been used for the purposes of escorted deportations as they were under a legal obligation to return failed asylum-seekers. A Virgin spokesperson said: "That is a matter for the Home Office, who makes immigration policy. We are simply not qualified to make those decisions."

British Airways refused to say how many removals it carried out each year, but said it adopted a policy of permitting one escorted or two unescorted removals per flight : "It is UK law and we comply with it – it's like asking whether we are happy paying income tax."

But a Home Office spokesman said the Borders and Immigration Agency only contracted with airlines willing to operate removal flights. He added: "The agency uses agents/brokers to arrange both charter and scheduled removals. Airline captains have the right to refuse carriage of a passenger





Helen Mirren is Impossibly Beautiful. But she looks so much better without!

Be proud to make a difference - Subvert an Army Ad

Market Forces, Many men consider buying sex as just another form of shopping, but their attitude is fuelling the trafficking of women to work in the trade
from The Guardian.

Let the Brailleway take the strain - very funny article about Braille signs in train toilets from BBC Ouch.

Coolest search results on the hippie blog referrer list:
average penis size - ringsurf

self inflicted supermarket injuries

old hairy women smokers

Thursday, October 04, 2007

Dreams and What They Mean.

A few nights ago I dreamt that I bought a pack of 3 rolls of sellotape. I needed to sellotape up an envelope so I got one roll out and cut off a long piece. It was only when I stuck it to the envelope that I realised that the tape was made up of a long row of photos of Tony Blair.

I looked at the second roll, to find that that was made up of photos of Cherie Booth. I decided this was preferable and so cut some off to cover up the Bliar pics, which I would be too embarrassed to put anywhere!

I didn't look at the third roll.

My questions to you:
1) Whose photos were covering the third roll of sellotape?
2) What the hell was the whole thing about anyway?

Friday, September 28, 2007

Burma Solidarity Demo in Sheffield this Monday.

Dear Friends,

I'm sure all of you will be aware of what's happening
at the moment in Burma. You might also be aware that
Sheffield has the most Karen (ethnic minority from
Burma) refugees of any town in the UK.

The Karen community have organised a solidarity demo
this Monday 1st October, meeting at 4:30 outside the
town Hall / Peace Gardens.

These are incredibly exciting times, the closest the
grassroots Burmese have come to overthrowing the
military junta in 20 years. Every day they're risking
their lives to challenge a brutal regime. It would be
nice to let them know that people in other countries
support what they're doing.

If any of you can come, please do so.

Hope to see you there,

Hugh.


https://lists.aktivix.org/mailman/listinfo/sheffield-noborders