In my opinion, once the object has been learnt it becomes banal, obvious and Un- thought provoking. You either want to learn something else, or just stop learning because it has become too difficult, Yes! If you keep yourself busy and help people incessantly then the learn-ed thing is good. But what kind of education is out there where what you have learned can only help yourself, not others.

   I feel that the journey of learning is more adventurous and thought provoking than living life with your learned knowledge. There’s no point in learning something if you’re not going to get anything out of it, financially or morally.
  
   Another big question to ask yourself when trying to find your knowledge and education is how do I get it. Should I do it the proper and established way, like going to school or college, to be taught by teacher. Or the more risqué way. Teaching yourself.
   There are many teach yourself books out there. The most obvious one I can think of is literally, the teach yourself series and the idiot’s guide.

   Although self learning is well and good, there are drawbacks. If there is a sentence, or piece of dialogue you don’t understand there is no one there to answer your question. And there is no test to take at any time. Meaning that you can never be sure that what you have learned is set in stone so that you can use it confidently.

The solution which is often ignored is to expand the mortgage at 5% interest thus saving 15% interest per annum. This use of the equity which has accumulated within the property is increasing steadily.

I believe that Shilpa Shetty was treated better in the Big Brother House than I have been with my endowment policy and finances in general. Although this was started prior to Labour getting in to government I do not believe that Tony Blair and Gordon Brown have done anything to help hard working individuals like myself and I look forward to the day that I can emigrate from this God forsaken hole.

Together we started to contact the debt collection agencies, one for example who was working on behalf of Halifax Bank of Scotland HBOS Group. I managed to negotiate  with them to get one debt down from £16,000 to £3000 and another £2000 debt accepted a £1 a week. I thought that Christmas, Channukah and Ramadan had all come at once and for the first time in a long time I am not looking over my shoulders waiting for bailiffs to catch up with me.

I am not suggesting to go out to Curry’s or John Lewis and rack those Credit Card debts up but if you have had them for a few years and agree to actually try and pay them off, you will be surprised with what you can get away with.

I spoke to a friend the other day and he has just received an extra £2,550 from the insurance company for allegedly being missold his endowment. He was quite happy to tell me that he was told quite clearly by the adviser that the value wasn’t guaranteed and whilst he could get more he could also get less. However because the company did not have the original sales documentation they simply paid out the money to keep him happy.

I have been told that a lot of insurance companies are doing this for fear of missing deadlines set by the Financial Services Authority (FSA) and being fined. If that is the case are we the general public ultimately going to pay for this with extra premiums on our insurance policies like we seem to do for all the dodging car insurance claims.