What I Don't Understand
By Bruce Barbour
Version 1.2 - December 2011
Downloadable Music Files and the Demise of the Music CD
My experience is that the quality of the music obtained
from downloadable music files is a lot less than available
from the old music CD format. Also you don't have the CD
as another source for back up if your hard disk fails.
With CDs you can still copy the music to you computer (at
a much higher quality - provided it hasn't go some form of
copy protection) and to your MP3 player so that is not the
reason to do it. The only reasons I can see to get
downloadable music is if you can get it for free, you only
want one track or it is not available locally on CD.
As with the LCD and plasma televisions I think it is a
case of quantity over quality. The small file size means
that a lot of music can be jammed onto a MP3 player. This
is a retrograde step.
"Freeing the Capital From Your House"
This is a con perpetrated on the unwary by sectors of the
finance industry so that they can lend more money to
people. The only people it really benefits is the
finance company, who get the capital of your house as
security for the loan. When they say your home capital is
"freed" what they are really saying is that your home
capital is reduced. You may get a slightly lower loan rate
but they can take your house if you default. I think the
only valid use of your house as security is if you want to
do renovations to the house itself or possibly for
building a business, however this is a risk that could end
with you on the street. If you want to buy an investment
property then have enough initial money for the down
payment and then borrow the rest using the capital of
the investment house as security, not the house you live
in. Loan money with your house as security should
definitely not be used for consumption - the holiday, the
new television etc. The way to financial security is to
pay off your house as soon as possible, not to keep in
debt by borrowing against it.
Please seek independent financial advice prior to
undertaking any significant investment.
It seems our politicians think that if we have a problem
it will be solved by giving fridge magnets to the
citizens. Howard's problem with global terrorism, send
fridge magnet, problem solved. Brumby's problem with water
running out, send Target 155 fridge magnet, problem
solved. Now why didn't any of our politicians think about
this for the "global economic crisis", all they had to do
was send out a fridge magnet, problem would have been
solved. Just not good enough!
The Spelling Rule "I before E except after C"
There are so many exceptions to this rule that it is
useless. Examples: rein reign weight eight feign their
being weir neighbour height either neither leisure
reinforce vein albeit seize heir unveil beige deity weird
Why does this rule exist? Because it rhymes??
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