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A Typical Day

Posted by | Posted in Personal Shizzle, Random, Society | Posted on 20-01-2009

I don’t think I like having a typical day, to be honest. I don’t think I’m a routine person at all. I can hack getting up at 7am and doing the typical 9-to-5 job just like everyone else, but I’d rather have something a little more unpredictable. Sure, when I’m all settled down in a few years, then yeah, I’ll want something a little more stable and predictable. But for now, I don’t like this “routine” lark.

For now, though, I have to put up with it. Today is one such typical, routine-filled day, with the exception that I’ve actually got some work to do(!) and I should probably get on with it. Do you ever have one of those days where you force yourself out of bed, force yourself to go to work, but when you get there you just can’t be arsed? I’m having one of those days today.

I think it’s because of all the the things going on in the world at the moment. It’s all doom and gloom in the news, and news broke at the weekend that Tony Hart, the cooliest kiddies art program presenter ever, has died. I used to watch his art shows as a kid, even though I’m not an arty person in the slightest. Art Attack was always a fun program to watch, but I get the impression, based on nothing but my own sporadic childhood memories, that Art Attack was for the masses of “I-want-fun-and-I-want-it-now” kids, whereas Hart Beat (and other Tony Hart programs) seemed to be for the real creatives.

I’m off to see the mortgage advisor again tonight. It’s been six days since I last saw him, and to be honest, I’ve completely forgotten exactly what it is I’m supposed to be doing for him. I’ve got a budget planner to fill out, so that I can get an idea of how much of a sacrifice I have to make in order to be able to feed myself should I get my own place, but I could have sworn there was something else too. Perhaps I’m just thinking of the credit check thing. Supposedly, I’ll be getting the results of my credit check today, but to be honest, I don’t really expect much. Given that I’ve never hasd a credit card or loan (with the exception of my student loan) I don’t actually think there’s anything to check. That can either be a good thing or a bad thing, but if need be, I’ll get myself a credit card and buy some DVDs on it, paying the debt back on time, and in full. That might impress someone.

Amongst the talk of recessions, unemployment, and housing reposessions, the government has decided to try yet another bailout tactic for the banks. The £200bln bailout they tried a couple of months ago didn’t quite seem to work, so they’re trying a whole host of other things to try and get banks lending to mortgage-payers and small businesses. What I don’t understand is, if the government is using our tax money to give to the banks, to then lend to us, but the banks are still refusing to lend the public money, then why don’t we simply get our mortgages directly from the government? That would effectively mean nationalising the banks, but it would have the same effect. A large proportion of the money we pay in taxes is being given to the banks to stop them from going under, and yet all they do is swallow up the money to cover their already-ridiculous lending habits, but nothing changes. The banks are still in debt, so they can’t lend out more money to new home-owners without getting further into debt, and although the government bailout has helped, it’s not enough to get things back to normal, so the situation doesn’t change for Average Joe.

I simply don’t understand how the banks could get in this mess. I understand that the banks lend out more money than they actually have, because they “know” that they can recover any money lent out for mortgages by reposessing the houses of mortgage defaulters, and selling the house to make back any money that they’ve lent out. The trouble is, as the house prices have fallen, the money the mortgage lenders can make back from selling reposessions simply wont cover the vast amount of mortgages they’ve lent out, so even if all houses were sold to repay the mortgage lenders, the mortgage lenders would still be in debt. It begs the question, “why can the mortgage lenders lend more money than they actually have?”. Although there was a housing boom recently, there’s never any guaruntee that the house prices will stay high, so you’re tempting fate by lending out more money for a mortgage than the house might be worth in the future. That’s exactly what the mortgage lenders have done, though, and now they’re paying the price. Well, we’re paying the price, as it’s our tax money that is being used to bail them out. So due to the greed of the bank executives, our money is being used to get them out of their pickle. I say we let them tumble, and nationalise their beloved greed machine, the banks.

Obama is due to be inaugurated today. Good luck to they guy; he’s got a hefty job to do. And picking up the pieces of the Bush administration is no mean feat. Still, being American, I’m hoping the stereotypical extreme-ness of their personalities will cause an equally extreme change in policies, and the US can finally decide to do the right thing for once. That would mean pulling out of Iraq and leaving them to it, hunting for Osama, and stopping the harrasment of eastern countries simply because they’ve got more oil than the US. Oh, and they should stop producing hummers that guzzle vast quantites of petrol too. They’re one of the biggest poluters in the world, despite not having athe largest population per square mile.

I think I need more caffine. Although I managed to drag myself away from 4+ hours of recorded Big Brother in order to get an early night last night, I still feel tired. I just hope I’m not so out of it by tonight that I don’t understand a word of what the mortgage advisor is saying. Speaking of which, I should probably do a bit of research before I go. I don’t want ot be caught with my pants down.

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