Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts

Thursday, 4 September 2008

For A Friend....

The discussion yesterday about pregnancy got me thinking again. One of the big issues with teenage pregnancy is it is often the “good kids” who get pregnant. The reason for this is that they are not expecting to have sex, and so are less likely to be carrying protection.

One of the ways we attempt to combat this with our young people is by asking people to “carry for a friend”. By carrying, we tell them that if a friend finds themselves in a situation they will be able to say "here is some protection". Because they are not carrying it for themselves – and we encourage people to talk it through with parents – the embarrassment of carrying it is gone – and yet if it's needed it's there.


In other News:

Finance:
We can take on a debt management plan which would help – a lot – the problem is when we do this we will have no access to credit cards etc anymore, and when we sell we will need to pay the soliciters (as in negative equity that money won't be there where we sell). As such we can't go on a debt management plan yet. Things are, however, improving. We have taken the money we need out the bank for food etc (we take it out at the start of the month so that if things bounce it's not the food bill that suffers) – and we have only just run out of money this month. Last month it was the 1st when the bank was over overdraft – and this month that hasn’t hit in till the 4th.


A book I was looking at yesterday asked me to look at the Lord’s prayer and how it speaks to my personal situation right now. It will come as no shock that in tears I prayed over and over again – "Lord God, forgive me my debts".


It Moves
When I crawled into bed last night and wrapped my arm around my wife and baby, the baby's kicking seemed more pronounced than ever; this is one energetic baby! The midwife at the last appointment was apparently surprised at how active the baby is – apparently the more active they are in the womb the more active they are in life. Yes, folks, it seems we have a hyperactive baby. "Surely not", I hear you say, "you will have a baby who would prefer to sit and read a good book than cause mayhem – surely – your child will be born with a taste for sitting and having a bit of a think…"


If I Were a Rich Man


"Dear God, you made many, many poor people.
I realize, of course, that it's no shame to be poor.
But it's no great honor either!
So, what would have been so terrible if I had a small fortune?"

If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.

I'd build a big tall house with rooms by the dozen,
Right in the middle of the town.
A fine tin roof with real wooden floors below.
There would be one long staircase just going up,
And one even longer coming down,
And one more leading nowhere, just for show.

I'd fill my yard with chicks and turkeys and geese and ducks
For the town to see and hear.
Squawking just as noisily as they can.
And each loud "cheep" and "swaqwk" and "honk" and "quack"
Would land like a trumpet on the ear,
As if to say "Here lives a wealthy man."

If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.

I see my wife, my Golde, looking like a rich man's wife
With a proper double-chin.
Supervising meals to her heart's delight.
I see her putting on airs and strutting like a peacock.
Oy, what a happy mood she's in.
Screaming at the servants, day and night.

The most important men in town would come to fawn on me!
They would ask me to advise them,
Like a Solomon the Wise.
"If you please, Reb Tevye..."
"Pardon me, Reb Tevye..."
Posing problems that would cross a rabbi's eyes!
And it won't make one bit of difference if i answer right or wrong.
When you're rich, they think you really know!

If I were rich, I'd have the time that I lack
To sit in the synagogue and pray.
And maybe have a seat by the Eastern wall.
And I'd discuss the holy books with the learned men, several hours every day.
That would be the sweetest thing of all.

If I were a rich man,
Ya ha deedle deedle, bubba bubba deedle deedle dum.
All day long I'd biddy biddy bum.
If I were a wealthy man.
I wouldn't have to work hard.
Ya ha deedle deedle, bubba bubba deedle deedle dum.
If I were a biddy biddy rich,
Yidle-diddle-didle-didle man.
Lord who made the lion and the lamb,
You decreed I should be what I am.
Would it spoil some vast eternal plan?
If I were a wealthy man.



Maybe..its a God thing that I am not a rich man

Yours as ever

The Broke and Broken Man

Thursday, 14 August 2008

Pain in the neck

About six months ago I dropped a TV on my head.

I realise that this sounds a little unlikely, so let me explain. I have a very big TV which a friend gave me, and which sits on a stand on wheels. To move this TV backwards, I got onto all fours and pushed the stand. In doing so, the TV toppled and fell on my head, neck and back. This resulted in me letting out, not a loud expletive, but rather, a whimper as I crumpled to the floor. I visited our small local hospital, which said that I needed an x-ray and should go to my doctor. I went to my doctor who said that they don’t like doing x-rays on necks; I should take some pain killers and see how it got on. I was in so much pain that I was off work for a few weeks. I then went back to the doctor who said "yes, it would still hurt. Give it time and it would be fine." That was, as I say, six months ago.

My neck still hurts. Rather a lot, really. A constant pain which results in me taking pain killers most days. Feeling that six months is long enough to wait, I booked up another appointment with the doctor, and was whinging at my long-suffering wife about the incompetence of the original doctors for not having X-rayed me, and that if it was broken and has fused wrongly now there will be nothing we can do about it. My wife replied, “that’s what’s compensation is for – if it was damaged and they didn’t pick up on it you would get compensation and you could get it fixed privately.”

I am not a fan of the compensation culture at all. However, when confronted with the possibility of money, it got me thinking. If I suddenly had a compensation pay out (and, no, I won't get one as I wouldn’t pursue it and am not a fan of such things) would I spend it on an operation or getting myself out of debt so I can be a vicar? For me, its no contest. I would happily live with the pain. Okay, okay, I know that’s not the choice I have in front of me, but in going through that bit of mental/physical arithmetic, the pain in my neck doesn’t seem like such a big deal after all – I have far better things to panic about.

So I arrived at the Doctors last night to be told they still don’t think an x-ray is needed and that what I need to do is to see a physiotherapist. There is, however, a very long waiting list. This is one of the things we have come to accept with the NHS, and we don’t tend to worry about a bit of a wait. The reason that on *this* occasion it is so frustrating, is that my company provides health insurance. The health insurance provides private cover for any treatment you need to wait more than 6 weeks for. "Well, brilliant", I hear you cry..."you just phone up the company insurance and its all sorted"... well, no. You see, while the health insurance is provided as a work benefit, the government looks at this and says, "right, we'd better charge you some tax on this", and so by having the company insurance you pay an extra £50 tax a year. In an attempt to sort out the finance last month, I went through everything we spend with a fine tooth comb, and cancelled my health insurance so that I would save that £50.

Grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr.

Yours, very probably (but with out X-rays we can’t be sure)

The Broken Man