The future is a scary concept. Whether you're a school leaver, the family breadwinner in the prime of your career, or about to enter retirement, it's natural to have concerns about the years to come. Money is the primary area of worry for most people, but there are simple and painless ways to prepare without winning the lottery.
I've nothing against Winston Churchill popping up on our money - it's not actually the first time, having previously appeared on 1965 five-shilling pieces. Although it seems a little rude he's kicking off the only woman, the Queen not withstanding, who currently appears on any British banknote, social reformer Elizabeth Fry. Still, if the public had its way, it could be David Beckham staring back at us as we fork over our fivers, or even Robbie Williams. Those being just two of the more contemporary figures offered up by well-meaning Brits.
The banking crisis in 2008 has made getting cheap cash to deposit on houses harder to come by and I'm going to use ultra-conservative figures to see if we can still get into the game. Based on having to find a 25% deposit, which is what a lot of lenders are asking for lets see if we can invest in some property.
Poetry for me is now gloriously blurred with colours, images, musics, streaming video, satellites. It is time to give it a new name. It is no longer 'hard', it is not elitist, it is not rarefied or magical or the arena of a select few, it is a safe environment to play with anything you want, without boundaries or judgement.
The much reported research by Pew Charitable Trusts, Payday Lending in America: How Borrowers Choose and Repay Payday Loans, notes that some fifty-eight percent of payday loan borrowers have trouble meeting monthly expenses at least half the time, and a worrying seventy-eight percent of borrowers rely on information from lenders, not independent market analysts or comparison sites, when choosing to borrow money.