Brother, can you spare a dime ......

Take it away Bing .....

Money is only a text away with Ferratum.

Within minutes, the ever-so-kind Mr Yoon will pop a few hundred smackers into you bank account.

What a lovely, kind tender-hearted, generous man is MR Yoooon.

Let's see now ... you want $500 spondolicks in a hurry. Then you text Fair-rat- uuuum? Give them your details (first mistake).

Now some are concerned  .. why?

Well if you borrow say $500 for 1 week, then after 7 days you get to pay back $590. This is an interest rate of 18% for 7 days which is equivalent to quite a lot over a year. Let's say you had to keep the money for a year at that rate. The interest of course compounds every week.

At the end of one year (52 weeks) you would owe $2,734, 225.85.

That can't be right  ... I hear you say. Well  ... it  ^%$#@y  well is!

500 X 1.18 = 590  (1 week)
500 x (1.18)^2 =  696.20 (2 weeks)
500 x (1.18) ^3 = 821.52 (3 weeks)
500 x (1.18)^4 = $ 969.39  (after 4 weeks you almost owe twice as much as you borrowed!)

  and so on my dear friends .... by the way the symbol "^" means "to the power of"  thus 3^3 = 3x3x3= 27

500 x (1.18)^52 = 500 x 1.18 x 1.18 x 1.18 x 1.18 .... and so on  ........ = 2, 734,225.85

Well all I can say to those who borrow is happy landings on a chocolate bar!

Now I am not saying you will have to pay that back. I am simply saying that an interest rate of 18% per week 0n $500 is equivalent to 500 x 1.18^52 over one year.

The company says: "We are driven by our passion for innovation and we have an ambitious growth strategy".

 Aint that the %#%@ truth

How did they ever get registered with the government!
NZ Government Registered Financial Service Provider No. FSP 70021.

To fair you can borrow $100 for a month and pay backonly $152 dollars at the end of 1 month. But again, that is equivalent to paying back
100 x (1.52)^12 =  $15,209.78


Enough already ... I have just thought of a scheme to get rich quick!!!!


After all, if I could just lend you $500 at 18% interest per week for ten years
the amount you pay me pay back would be:

500 x (1.18)^520 = 1.2 x10^40 dollars  (ten to the power of 40 folks)

roughly $12,000,000,000,000,000,000,000,000,000,000,000,000,000

Which, as you all know,  is 12 quadrillion septillion dollars.

or in lay person's terms 
12 thousand million, million, million, million, million, million dollars. or perhaps


12 thousand billion, billion, billion dollars.

Which is a tad more than I make in a year!

Woman in black Ooh, ooh, woman in black ...

Billy Connolly suggests there is an reason some women dress completely in black - it is know by the very medically technical term as "fatness".

Connolly argues blackness hides fatness.

We lay people know it simply as "obesity".

But I am not so sure this is the reason.   Anyhow, back to the beginning...

Every morning, on my bus, I gaze out of my window on a sea of black. Now , I realize males have to wear black suits - though I disdain them.

But why, oh why are there so many women attired from head to toe in black.

Just exactly, ladies, where is the funeral?

I suspect, the reason goes deeper into the female psyche than Billy Connolly suggests.

You see, dear reader, the phrase "All Black" has been profoundly and indelibly etched into the Nu Zulun sub-consciousness.

It is undeniably the case that  women cannot qualify to be a member of the All Blacks, so (in their lust and envy), the very latest research suggests they do the next best thing and dress in all black.

In psychology, this is called a defense mechanism termed "compensation". (or was that condensation??)

However, it has also emerged that women can in fact break free of this "psychological bondage" to black.

Sally Arbuckle, leader researcher at the Academy of Black Clothing (or ABC), reports that all a women has to do is sally forth in bright, cheerful, heart-warming colors.

Arbuckle said, "Clothes not only maketh the man, they doth maketh the woman as well. As your color is, so will your psychological mood be". She added that the chief reason for so many depressed women, was black clothing.

So come on women, you have nothing to lose but your gains ......

And remember, mood spelt backwards is doom!

My old man said, "Follow the van, don't dilly dally on the way!" Off went the cart with the home packed in it ....

Moving house ( rather than home)

They say, that moving home (as distinct from moving house) a stressful occupation. It is. But that, dear reader, is exactly what I did last Queen's Birthday long weekend down here in old Nu Zulun.

With the help of some semi-abled old friends the dastardly deed was done.

Bill, Bruce, Murray, Ray and yours truly loaded the van, whilst Mary and Graham did a monumental bang up job cleaning the atrocious mess I left in my wake.

Atrocious mess left behind

It was a shift form a 1960's one-electric-socket-per-room unit to a 2011 eight-electric-sockets per-room unit.

Haven't we come a long way technologically speaking!

Welcome to my world (no... not really)