Tuesday, June 30, 2009
Sunday, June 28, 2009
Monday, March 30, 2009
Thoughts by Jack Handley
Thoughts by Jack Handley
For example:
One thing kids like is to be tricked. For instance, I was going
to take my nephew to Disneyland, but instead I drove him to an old
burned-out warehouse. "Oh no," I said, "Disneyland burned down."
He cried and cried, but I think that deep down he thought it was a
pretty good joke. I started to drive over to the real Disneyland, but
decided to go home instead.
For example:
One thing kids like is to be tricked. For instance, I was going
to take my nephew to Disneyland, but instead I drove him to an old
burned-out warehouse. "Oh no," I said, "Disneyland burned down."
He cried and cried, but I think that deep down he thought it was a
pretty good joke. I started to drive over to the real Disneyland, but
decided to go home instead.
Tuesday, March 03, 2009
Friday, February 20, 2009
GetUp's Save the Internet campaign is still going.
GetUp's Save the Internet campaign is still going. It must have prickled Clive Hamilton by the look of his attack on GetUp in this AustralianIT article.
Thursday, February 19, 2009
Sunday, February 01, 2009
Thursday, January 29, 2009
Baron Sasha Cohen
Can this really be him?
How It Was Supposed To Be (Military Version) from Ryan Leslie on Vimeo.
At 4:22 it looks a bit like him.
How It Was Supposed To Be (Military Version) from Ryan Leslie on Vimeo.
At 4:22 it looks a bit like him.
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
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.
Want More Info?
No Clean Feed
Sean the Blogonaut
Thursday, June 19, 2008
Thursday, June 12, 2008
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.
Saturday, May 17, 2008
Sunday, April 27, 2008
Thursday, April 24, 2008
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.) :)
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.) :)
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