Thursday, January 29, 2009

Wednesday, December 10, 2008

Monday, August 04, 2008

ISP filtering threat in Australia

I filled out this survey. This was my comment but I misread the character count as word count. 250 characters! Why didn't they just say 'We don't give a fuck what you think just answer the white washed, loaded questions."

Parents need to parent their own children instead of expecting the government to wrap them in cotton wool. If parents cannot supervise their children they shouldn't let them go online.

Teenagers are curious about sexual issues and parents shouldn't be so gutless about discussing sex. Is this an extension of America's atrocious abstinence only sex education which has snuck into NSW school system? The internet is a tool, not a baby-sitter.

If people want this kind of filtering they can do it to their own computers. If there was a big demand for this service surely an ISP would have offered it to gain commercial advantage.

I don't care if adults looking at adult content with their own computers in their own time. It is none of my business and it does me no harm. I, like Prof. Catherine Lumby, do not believe the claims that all adult material causes rape and child molestation. We have not seen rape increase at internet take-up rates. Correlation cannot even be show yet causality has been assumed.

The labour government promised to improve internet speeds, not use our limited bandwidth reducing the internet to an under 5 toy. This won't protect children, this will choke the internet to death. I didn't ask for this and I don't want or need it and I definitely didn't vote for it. This is a waste of time and money.


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Sean the Blogonaut

Thursday, June 12, 2008

IT Crowd

Sunday, May 18, 2008

Kiva



Kiva made up this nice little banner. That is much easier than fiddling around doing it myself. This Kiva borrower is growing trees in a nursery... that's gotta be good.

Sunday, April 27, 2008

Thursday, April 24, 2008

Monkey!

We're watching Series One of Monkey. Fantastic!

This site has lots of quotes.

Wednesday, April 16, 2008

How much it cost to smoke.

I think a packet of cigarettes costs about AUD15. For the sake of arguement the borrowers would be a couple and, as non-smokers couldn't possibly live with smokers (my bias), let's assume that both borrowers smoke.
Daily cigarette cost each $15
Weekly: $105
Per four weeks: $420
For two people: $840
This gives a figure of $840 per month. Really the average calender month figure is (105*2)*52weeks/12months = $910 but $840 is a more concervative figure so we'll run with it.

Then it is easy enough to work back to the initial principal amount that will repay using my Texas Instruments BAII Plus Calculator.

Payment: -840/month
Interest Cycle: Monthly
Term: 20 years/240 months
Interest rate: 10% (this is a good average home loan rate)

This gives a principal value of $87,044. This is the initial face value of the loan... the amount you have to spend at funding.

So, you can smoke or pay off a home loan of $87k. Obviously, $87k would not buy a house. But it could let you extend or substantially improve a house or buy a bigger/better house.

So, the other way. What happens if you increase the repayments buy $840 per month?

Loan: $350k
Interest rate: 10%
Term: 20 years/240 months
This gives a repayment of $3377 per month.
Interest paid over the term of the loan: $460,616

If this is increased by $840 per month the term will be shortened and interest will be saved.

Loan: $350k
Interest Rate: 10%
Repayment: $4,217 per month

This gives a term of 142 months, less than 12 years.
Total interest is reduced to $247,838 a saving of $212,778.

It is not uncommon for people to start piling money into superannuation once the principle place of residence loan is repaid. With superannuation being a product that gives the best advantage the sooner you start, the saving in time is just as important as the saving of money. Future investment plans may be more along the line of an investment property. It doesn't matter which investment is more to your taste, starting sooner is advantageous.

The Commonwealth Bank has a loan calculator to run numbers. This calculator gives a yearly principal and interest



(Disclaimer: If you are taking advice from blogs you are a goose! Go see a financial planer if you want advice. I'm just running numbers not giving advice. I like numbers.) :)

Monday, April 14, 2008

If you sit by the river for long enough a stupid American will float by.

Friday, April 04, 2008

As far as I can see in this small image, the main problem with this fence is that it doesn't keep Americans in the USA... that really would make the world a better place.

Tuesday, April 01, 2008

The Dutch town of Drachten has thrown away the traffic sigh.

http://www.telegraph.co.uk/news/main.jhtml?xml=/news/2006/11/04/ntraffic04.xml

http://www.spiegel.de/international/spiegel/0,1518,448747,00.html

Saturday, March 22, 2008

Youtube 2007 awards.
Illustrated bible stories.



Wednesday, March 19, 2008

Human Car

A human powered car capable of travelling at open road speeds for thinner Americans.

Tuesday, March 18, 2008

Phonix Trikes.

A video demonstrating the turning abilities of the Phonix Trike. These things are very cool looking. Really low!



Not sure if this Phoenix Trikes is the same company. They make VW based trikes similar to Bon Trikes.
Silence, the three wheeled electric car:

Killacycle cracks the 8 second mark: