When you need to make a call, you just flick out your cellphone, find a name and make a call. When you need to get money, you could always get a loan and get the things you want. When you need distraction, you just need a good computer or console unit and escape the realities by controlling a character with a story more compelling than your life.
All these things make us comfortable. While it is important to relax and stay stagnant to allow your mind to digest and develop new ideas, you form these ideas through synthesizing thesis and anti-thesis existing in your mind. Most anti-thesis are the realistic data and information you get through experience; your thesis is definitely those expectations you have with certain events gone wrong or right.
Sometimes, our thesis is what keeps us comfortable because it helps us steer away from certain pain, danger or intolerable consequences, but in truth, a good idea or a good life lesson could only be learned if you step out of your comfort zone. Comfort makes the body become at ease with its judgments, theories or theses it has with the world’s factors. However with an anti-thesis the physical and mental capability of a person actually improves.
So tomorrow, dare yourself to try new things. You have so much human time for success and failure. It’s time you tried new things and avoid comfort to grow yourself into a better and brighter person.
Wed, May 15 2013 » Self Help and Advice » No Comments
Anything that makes a joke out of something that society deems as serious or extreme is a satire or satirical joke. Satires have always played a great role in criticising society, world leaders, governments and current events, even the death of some important and unimportant people. Satire is greatly offensive, especially to sensitive people, but it could also help an individual gain hope for existence.
It is a normal belief that anybody who could make a joke about something so serious or something so painful is somebody who had already experienced the said event in their lives. Satire is a way that people cope up with certain dark moments in their lives. It might be a death of a family member, a friend, a parent or disastrous events. But if one can joke about it, one lived to tell the tale.
Most satires focus on world governments, particularly portraying them as considering day-to-day decisions as only a menial task that does not require full attention that leads to the consequence of the world today. Some de-value life in some satirical stories, such as a character who just killed another character jokes about how the person deserved it, or how the dead person could have been killed better.
Satire is a dark and twisted world, but if one exposes him or herself to these outlooks, they find that not everything in the world as a value the way society dictates it to have. The individual learns to place their own values in these things, which grants them independence and joy in their lives.
Fri, March 22 2013 » Self Help and Advice » No Comments
The Highways Authorities showed statistics that a 25% reduction in UK road accident claims indeed happened with the government’s new road safety laws that limited driver speed and vehicle use. This reduction exposed the great number of whiplash claims insurance companies receive, which increased by 70% in the last year. The government, along with the Association of British Insurers (ABI), have formed new guidelines to crack down on whiplash injury claims.
The UK government is looking to adopt Germany’s whiplash threshold. Germany declares its whiplash injury threshold to a speed of 10km/h. Victims also need to submit two medical reports to their insurance companies. The UK plans to adopt these and the Ministry of Justice plans to have an independent medical board examine the claim, allow legitimate claims to pass through easily while clamping down hard on suspicious claims.
The new guidelines also limit the claims management companies and personal injury lawyers to work with claimants only on a no win no fee basis to reduce the number of CMC-handled claims. The ABI says that the “racket” business of CMCs and personal injury lawyers, while lawful, have honest drivers paying for £118 yearly due to the insurance increase.
The UK government plans to implement the new plans by the middle or end of the year 2013. No final version of the whiplash claim guidelines exists as of yet.
Wed, March 6 2013 » Law » No Comments
Every day, people come and go from their daily grind, working from 9 to 5 and doing the same thing over again the following day. It becomes routine, except for deadlines that most employees dread from their offices. Anybody who wants to feel different should know how to find happiness and humour in everything that is happening.
People find themselves offended by satirical humour that makes fun of supposedly serious topics. In the office, many say that deadlines are no laughing matter. However, these people are the ones who have their families depending on their income and position in the office, and to fail their task means great trouble for their families and themselves
However, if you take it lightly, you’ll find that what you didn’t take seriously had a small and simple solution that is effective. People may take problems seriously and have “tunnel vision” later on working on the problem. If you relax and think on your own while making fun of your problem, you’ll find that it’s easy to resolve it.
One way to take away your personal seriousness from the problem is to accept two outcomes. If you could accept the two outcomes, you could make a personal plan of recovery that will save your time and resources. In this way, you could joke about the situation entirely. However, be a team player and fulfill your tasks but don’t take it too seriously.
Humour relaxes the human spirit and enables the mind to find ways to make things work. Be sure to see humour in everything, even with the smallest things.
Wed, March 6 2013 » Self Help and Advice » No Comments
PPI is by far the biggest financial scandal UK has ever faced. With over 3.2 million customers mis sold, the Financial Ombudsman Service is facing 11,000 claims on a daily basis. Customers must understand that making a PPI claim may be a one-time shot in getting back all the hundreds or tens of thousands of pounds the banks owe them for swindling. Here’s the steps to make the best PPI claim that guarantees your complete refunds.
1. Billing Statements
Your bank delivers billing statements to your address each time you pay your PPI and your loan, mortgage or credit card transactions. If you have kept your first until the last billing statement, you could get a rough estimate of your total refund. Have a copy of these both in photocopy and soft copies through computer scanning.
2. Compound Interests
If you have the PPI for more than 10 years, the banks owe you more than the average £4000 claims management companies advertise. Compound interests are multiples that increase the initial interest rate that multiplies the actual repayment amount. You might not have felt the amounts of your repayments increase, but it may have cost you more than £10000 in the process.
3. PPI Template Letter
Always make sure to make an effective PPI template letter. Around 40% of most claimants fail because of a problematic PPI template letter. You could find PPI template letters in UK news and media websites, claims management company websites and other Internet sources. Make sure the letter has concise points to avoid confusion.
4. Legal Help
In case the bank rejects your claim, you could submit your claim to the Financial Ombudsman. If you lack time, you could ask for legal help from no win no fee claims management companies. Most CMCs provide free legal consultation that is accurate, so take advantage of this opportunity and having them work for you on a no win no fee basis.
Wed, February 13 2013 » Finance » No Comments
Living is not just about being there and ensuring stability so that you could go through life without any trouble at all. To live, one must provide solutions to imbalances that happen when they expect and least expect it. Philosophy teaches people about honest living and upholding self-honesty as the greatest value in one’s life. When you can admit your own faults, that’s the time you actually live and understand yourself.
Albert Camus’ “The Myth of Sisyphus” tells the tale of Sisyphus, who was condemned by the gods to push a boulder atop a mountain and do it again and again for all eternity. What might seem a very great trouble for a mortal became joy once he enjoyed pushing the boulder again and again atop the mountain, defeating the purpose of the gods and upholding his self esteem.
Anyone who acknowledges their boredom is actually living. It is when you acknowledge that you are bored that you begin to understand why you live and why you exist. It is then that you take action to relieve yourself of boredom to do something just for the sake of doing something. When one achieves a simple purpose, one lives, regardless of the result.
Sure, mass media might tell you that to live you need to be successful, but you are actually successful if you find something that makes you feel alive, not just through success or riches, but through something that pounds deeply in your mind that tells you you have to do it again and again and again, just like Sisyphus.
Thu, January 3 2013 » Self Help and Advice » No Comments
Customer credit scores are very important in today’s financial industry because it can easily reduce or increase the interest rates and payment options depending on the customer’s score. Credit scores are observed and recorded by credit bureaus and you can also get an evaluation of your credit score from them. If you want to get better deals and added security for your financing, here’s what you need to do.
1. Take it One Step at a Time
People today are often concerned about taking multiple financing more than what their financial capability could handle. Taking on multiple financing automatically reduces your credit score; with a new transaction, it resets a portion of your score to accommodate the progress you will make with the new transaction. It is advised to take things one step at a time. Take only one financing to focus on and succeed in completely repaying it before moving to the next.
2. Credit Cards
Many people fall into deep debt easily because of improper credit card use. Credit cards are double-edged swords that could help you boost your credit score, or fall into debt due to their high interest rate. When using credit cards, ensure that you pay for them on time and in full. Settling the card’s minimum fee will not help your credit score and your growing debt can affect your entire credit score.
3. Use Your Money Instead
If you can deliver a mortgage or car loan down payment with your cash, then use your actual money instead. Credit and financing is money from banks; they are not your personal bank accounts. By using your own money, your credit score can potentially increase as you make use of only a modest amount from the loan down payment that you could easily repay the next month.
Mis Selling PPI: How the Insurance Brokers Do It
Thu, December 27 2012 » Finance » No Comments
Concentration in humans is now becoming a slowly-degenerating trait. Studies show that the lack of concentration can be attributed to the great number of decisions to be made on a daily basis. From clothes, to the media that you want to enjoy in the Internet, all of these are reasons why today’s people lack the concentration that was once easy to call upon.
People are subject to making decisions from the time they wake up, to the clothes they are to wear, where to head out to lunch, which items to prioritize in their task list and other things, even the things to do in the Internet and what they should do when they rest. Decisions make one restless and analyze the consequences of each action prematurely before taking the decision. Given that all decisions have pros and cons, sticking with the cons make one lack the concentration to perform the task.
The Internet and other technologies that make life convenient also contribute to the lacking concentration skills of many people by giving so many choices on media, applications, business deals and the faster means it provides. As the speed and time is much favorable by today’s standards, people are subject to multi-task every single activity, splitting their concentration into half.
There are remedies to cure the lack of concentration that virtually each person living in the planet now suffers. However, this might be an inevitable consequence of technological and opportunistic development of industries and businesses.
Creative Blocks: What They Symbolize
The Virtue of Patience
Wed, December 19 2012 » Self Help and Advice » No Comments
Sovereignty is a part of nationalism, which is the symbol of identity for a nation, a culture and a race. With sovereignty, people find their identities, cultures, moral values and ideas entwined into a bigger picture, with culture as the main driving force. It enforces the arts and ideas of people in such a country who uphold and influenced the values of its current citizens today, such as heroes and villains in a country. But whatever good sovereignty brings however, it also brings much bad.
Global progress means the acceptance of the existence of everyone in the world and the cultures, practices, beliefs, criticisms and everything else that the other race, country or person has. However, with sovereignty, which empowers the individual will of culture and race, one will always claim his or her race superior to another. This is one obstacle that impedes progress, and history shows that too much sovereignty can bring chaos, as Germany did the world in the past.
Today, religion and other beliefs split many people into their own individual selves. While no man is an island, all nations are still torn apart, with their own interests and agendas. Without a common goal, the world cannot be unified, and this slows down global progress. Imagine if the world was with one culture and one mindset; the human race would have properly allocated resources and have broken through technology in the best way possible.
Sovereignty is not bad; however, to be productive and progressive, the human race will need more than their individual needs and think of a greater goal, other than just focusing on putting pride to their own
Medical Negligence Claims Explained
Deliberate Honesty: Why You Should Uphold the Moral Value of Honesty
Creative Blocks: What They Symbolize
Fri, November 30 2012 » Self Help and Advice » No Comments
PPI or payment protection insurance was widely mis sold by banks, building societies, other financial institutions including credit unions to at least 16 million from 2005 until 2010, where the sales of the insurance was stopped. It was designed to provide your repayments for any loan, mortgage or credit card in case you became sick or unemployed. Today, you could make a payment protection insurance claim. By taking note of these pointers, you are well on your way to successfully reclaiming all your refunds.
1. How Long Have You Had the PPI?
If you still have your first, original billing statement indicating the first time you actually paid for the PPI policy, you can calculate the amount of compound interests it can have. If you have multiple claims, finding the original receipts is key.
2. What Else Do You Need?
You’ll need evidences, such as birth certificates to prove you’re beyond the claiming age and retired, your last employment contract that indicates your previous occupation before you became unemployed or self-employed, a medical certificate that was received at least six months before you purchased for PPI to prove you have a pre-existing medical condition. Also, you’ll need to stay tuned to the news.
3. The PPI Claims Form
You can get a PPI claims form from most claims management companies and even your bank yourself. Just download a soft copy or get a physical one and fill it up under the supervision of someone who recently made a claim or with a claims expert.
4. What If Banks Reject Your Claim?
If banks reject your claim, you can go to the Financial Ombudsman to complain. The Financial Ombudsman has recently increased its facilities and manpower to better address the 1,500 claims they receive on a daily basis. However, if you don’t have time or have multiple claims to address, you could call on claims management companies to help you sort things out.
Fri, November 30 2012 » Finance » No Comments