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The Syrian Crisis is a big problem; the Ukraine Crisis also is. But, in the end, there will always be a bigger problem, and we fail to recognize that large problem already looming over the horizon.

Countless times, environmental agencies have reported about the world’s carbon footprint already stepping into the sand deep enough to destroy ecosystems and the world’s natural temperature. A report from the IPCC shows the devastating effects of corporation and business-oriented environmental policies that only took greenhouse gas cuts with slight reductions, which never really benefitted anyone except for governments and the same corporations to have a more fragrant name worldwide.

While the world concerns itself over power-plays, ethnic and religion-based conflicts, the world itself is fighting for its very survival at the hands of the same people who would die for their beliefs instead of helping the world fight its battle against the odd inventions of humanity designed to bring in great profits.

Us netizens also only concern ourselves of our freedom to express ourselves and the information brought to us by our computers interconnected through large optic cables under the sea. If the world’s sources of energy died or became exhausted, the world will pretty much be clouded in either a perpetual heat rave, or a cold, global holocaust.

It’s time we did our part to combat the bigger problem that is already looking down on us. One day, what we ignore is the one thing that can kill us all.

In the early days, civilization meant knowing the capability to hunt and survive on your own, or else you can die. Man only took what he needed, and that was it. He was fine with food on his stomach. When he figured out farming did not require him to work so hard, he went for it, the convenience of things. Everyone who wanted convenience followed his idea and thus the first group was born.

Anybody who wanted to know about farming needed the man to teach him or her how to do it properly. The man could only be reached if you knew the people in his group, but you will need to please the other guys first before you get to him.

When I think about it, this particular mentality I described still exists in the world today. If you want to get into showbiz, the noble way is to build your portfolio, then approach some producers and please them (in their own way) to get the things you need. Then, they can connect you to other people until you can finally reach your dream.

Politics makes it easier, but more complicated to understand. Countries could gain more benefits if they agree to provide something the other country wants. To gain advantage, you need to drain your own country first before you are given the opportunity to rise up again.

Wherever you go, you need connections. Even if you live in the internet as an introvert, you make impersonal and emotionless connections with people who have similar interests as yours. You will always need connections

But the thing is, these connections will always trample upon something, one way or another.

Currently, UK law personnel, including lawyers, solicitors and barristers, are protesting against the UK government’s plans to cut £220 million from the £2 billion annual legal aid contributions. The heavy taxpayer-backed legal aid makes it possible for any societal class of UK national to make a claim for any accident or injury. When they cut it, would it tarnish the UK’s compensation culture and budding “benefits tourism?”

I’ll give you a good insight. The compensation culture has its own ups and downs, specifically when people commit whiplash compensation claims. Whiplash injuries, as far as I know, induce nausea and disorientation due to a sharp pain in the neck. They can cost as much as £5000 in a single case. The trouble is that they have no physical mark in the body and their symptoms only appear a few days to a week.

If they cut legal aid budgets, people who like swindling insurance companies, who are defenceless against these claimants because it is more expensive to challenge the claim in court, would be reduced. It would be a great help because it reduces £2 billion from the insurer’s annual repayment for any form of whiplash.

It won’t be an insult to the UK compensation culture and no win no fee solicitors in my opinion, but just a good upstart to avoid legal abuse. Sure, the solicitors get paid less, they might claim the quality of legal services might get reduced, but the bottom line is that they still get paid and there might be possible balance to the UK’s compensation culture and legal system.

For the benefits tourism part, it only helps if anybody knows that you just don’t file a claim for something petty in the United Kingdom.

In light of Japan’s increasing want to gain international favour regarding improving its “peacekeeping” capabilities in Southeast Asia, I’m left to question what the world deems as “offensive” and “defensive weapons.

Based on the articles I read, Japan’s defense forces are made of its own soldiers, air, land and sea vessels. This is normal as I could see soldiers like people you trust your house with, and their vehicles as their security grid in your own home. But why do other countries have “offensive” weaponry? Things like long range-ballistic missiles, rockets, and artillery? I mean, we’re living in a time of peace right? Why are these weapons still existing?

When we read about Syria in the news, we read that people continue to die because of indiscriminate weaponry, yet the US could only slander the Syrian regime for committing atrocities. I mean, come on, a Barrel Bomb is an indiscriminate weapon, a direct message from the Regime that “we do not care who we hit as long as the rebels die.”

Then there’s the issue of chemical weapons. If Syria’s government didn’t own the chemical weapons, then there wouldn’t be any deaths in the world right? Supposedly.

If we’re living in a time of peace, why are there still countries or organisations developing “offensive” weaponry?

Maybe we’re just living in a world of lies, where every country is really at war with each other but all are denying it to ensure the war stays only within the comprehension of the people who need to see it that way.

-Bob

IHS says that in 2025, the world will be sold the first batch of self-driving vehicles. These vehicles, coming straight out of a sci-fi movie, are certainly thrilling news. Imagine just appointing your destination and taking a nap or sightsee while your car drives itself. Then there are those internet services in your vehicle. Connected car technologies and existing collision artificial intelligence in new vehicle will ensure minimal accidents in the vehicle.

Your self-driving car will certainly have a camera.

Let’s go to your appliances. In the near future, many appliances will be in touchscreen. You could also respond to correspondences online using these appliances. It will also be self-regulating as per your settings. When you get a new appliance from the same brand, cloud technology will enable your settings yet again on the new appliance without any hassle.

Again, your appliances will have their own cameras to identify you.

Today, we have iPads, iPhones, smartphones, laptops, anything with cameras and an internet connection. TV sets even have cameras and internet connection for better viewing. It feels good that all your home comforts could think for you to give you what you want to watch without having to bat an eyelash.

Well, the companies already know you and your preferences. Well, they know because you told them. They also know about your credit card spending, about the place you live, your looks, and your probable criminal record, if any. They even know you spent your honeymoon last night or drank out with your guy or girl friends during the weekend. You know, Facebook.

It’s clearly inevitable that the world is reaching the critical mass of total surveillance, disguised as entertainment and individual freedom to express one’s self. But hey, sharing your photo on social networks and finding it convenient to find that perfect recipe from the comfort of your tabletop touchscreen is worth more than your privacy right?

-Bob

What we heard in the news today and in 2012 is still the same; netizens are still angry at governments. I am angry as well. However, the Occupy protests of the previous year actually failed to net something that everyone wanted, which was change and proper transparency.

Tech comp

Speaking of transparency, international organisations are still grilling the NSA and GCHQ for their surveillance activities. Dotcom companies Google and others, along with some technology companies including the rest of Silicon Valley’s big names, have written a letter addressed to US President Barack Obama to revise the surveillance laws in the US to ensure it.

However, we all know nothing will still be done even if there is trillions of dollars involved.

Dollars, they make the world go around.

Now how about Bitcoin?

bitcoin

Bitcoin is an interesting thing. It enables users to “mine” for money and exchange the money for actual money, meaning in dollars and other currencies. Government financial watchers and observers are fearful because bitcoin is decentralized, yet it is capped by the network to only produce 11,000 pieces for the rest of the world

Did I say each bitcoin actually costs around $500 today?

It once reached $5,000 too during its heyday.

It is dying nowadays after China had closed down on the market because of the uncertainty. China has the largest market of bitcoin exchange in the world.

However, what if someone didn’t want to put on the cap? What if the world risked using their personal currencies and shifted to the potentially democratic, decentralized and self-managed currency?

Governments are fearful that increased use of bitcoin could destroy the entire financial system because the power of any currency is only determined by the belief people put in them.

Now what if bitcoin increased in belief and people lost faith in the dollar?

Now that’s something to think about. Merry Christmas!

-Bob

The Financial Ombudsman is the last stop for consumers unsatisfied by the decision of their banks or lenders regarding their PPI claim. However, in some instances, the FOS might also be unable to help you reclaim your PPI refunds. Here are a few of them.

1. Illegitimate Policy
As with any claim, having all your billing statements on hand with a rough estimate of the total price you paid for PPI will guarantee you get back all your PPI repayments. However, if your insurance policy’s unique number or product serial does not exist with the bank or lender, the FOS is powerless to do anything for your insurance claim.

2. Beyond Regulation
The FOS’ powers only came to effect after the Financial Services Act of 1988 came into place. Other provisions on mortgages only came into effect around 2009. If your insurance policy is beyond regulation dates, the FOS can’t help you. For example, if your insurance policy is dated beyond 20 years, there is no way the FOS could have regulated the financial institution.

3. Unlisted
A financial company or insurance company unlisted with the Financial Ombudsman is highly likely untouchable by the organisation. For these kinds of companies, click here – mis sold PPI claims managers and experts could help you in getting back your refunds without aid from the FOS.

A cynic is not born, but he or she is made. His or her environment, peers, family and anything else that greatly influences his or her judgment mold him or her. During their childhood, they are the biggest dreamers; they have an infinite possibility of dreams that people couldn’t begin to imagine. They will take every opportunity, every risk that exists, and will help in any situation they can. Unfortunately, as they go on, they realize the futility of the dreams they have and all the things they have done to have gone to waste.

I am a cynic, I know that. I understand I have no more faith in the political system, I criticize almost every societal movement that exists and I don’t care about what people would tell me about increasing the longevity of the human race, or if there is any hope for this planet or the world at all.

However, if you do not want to end up like me, adaptability and faith is the only key you have. Having faith in people and the world is one way of still having your optimism. Adapting to the hardships, improvising and quickly picking yourself up instead of wallowing in what you lost or regretting what you’ve done is one way to avoid this pass.

Cynics are not bad, but it can be counter-productive in life, but I realize this. It is just people like me who have been disillusioned and selfish exist everywhere in the world. Maybe it’s time to even out the balance and this is something I just needed to get off my chest.

-Bob

Over the Internet, they tell you to join them on partying as they celebrate the Earth Hour. They encourage you to turn off all your electronics and shut down the electricity in your house for an hour as you give tribute to mother nature and give her an hour of rest once a year.

Endeavours for environmentalism had been a great way to raise the awareness of saving the planet. After all, the Earth is the home of everyone in the world. However, environmentalism is more than just an endeavour to prolong human habitation on Earth, it’s also a great way to raise capital.

Imagine, with people partying and companies being able to afford the advertisement that they are “environmentally-friendly” being in the presence of environmentalists, more investments will come to them because they are concerned about the environment. And yes, the partygoers spend electricity because the DJ, the speakers and the lights in the venue need it. The venue is not just a bar.

Nobody’s fooling anybody if they said that Earth hour was for the Earth. If really, half the world turned off their electricity it would still be senseless because of the parties happening all over the country without concern for the Earth and it just becomes a plain shindig for everyone to see.

And of course, somebody earns money, big time.
-Bob

Scottish Clydesdale Bank said that it has the right to deny customer records more than six or seven years through data protection laws in Scotland. The Financial Conduct Authority said that while banks might have a policy for keeping bank records for only six or seven years, it does not mean that banks can avoid compensating customers for mis sold PPI.

pound_sterling

According to some Scottish claims management firms and solicitors, Clydesdale Bank is doing all that it could to avoid compensating their customers. According to one claim representative, the bank will only offer to compensate two out of four mis sold PPI the consumer had or have nothing at all.

Consumers can still take their case to the Financial Ombudsman, but may have to wait for two years to achieve results, leaving them to choose to have a shorter refund rather than wait out their time.

PPI is an insurance product designed to repay consumer loans in case of accidents or sickness. Because it was mis sold by banks and financial companies, almost every UK citizen could reclaim their refund. You can click here to know the exact amount of compensation you deserve.

Another claims management company also said that Clydesdale bank destroyed client records more than six years old.

The bank commented that its claims process is being investigated.

Anybody with a mis sold PPI can get back their complete refunds through the use of a free PPI calculator most claims management companies provide online.