Do You Want To Build A Snowman?

Deep freeze, deadly ice, travel chaos, school closures, power cuts, shopping centres shut down, the coldest temperatures in over 350 days and an already struggling NHS pushed to breaking point following a surge in injuries, illness and death.

It’s officially “the most wonderful time of the year!”

When Matthew peaked out of the window on a cold Sunday morning it all came as a bit of a shock. He’d never really seen snow before, he had no idea what was happening, but he knew he liked it.

Charlotte, on the other hand, knew better. She didn’t like it, she loved it. And she knew exactly what she wanted to do with it.

The only question was where to build it?

There was initially a suggestion of her going to the park with her friends to build one. Now that may seem like a good idea, but I decided it would be a rookie mistake:

1. It would involve risking all our lives driving in the car,
2. The good snow would all be gone, leaving only muddy mess,
3. Most importantly, I had just downloaded new content for Zelda and it seemed like a long time to be away from my game.

Whilst the garden was probably a better choice, it still suffered from an unfavourable ratio of mud to snow.

Which, of course, left the obvious answer: building on the drive using the beautiful snow covering our car.

Boy did our car collect a lot of snow.

After wrapping up nice and warm we all got to work.
Charlotte continued to be ecstatic, Matthew continued to be confused.

“Wait, you tell me constantly every couple of minutes NOT to pick up dirty stuff from the floor to play with and now you’re HELPING Charlotte do exactly that?!?!”

At one point the hypocrisy got to much for him and he stormed off back into the house. I had to bribe him with a Peperami to come back.

A pile of car snow, two garden sticks, a carrot and some colourful “eyes” and we were done.

“Can I give it a name?” asked Charlotte. “Of course! Is it a boy or a girl?” Charlotte’s eyes lit up even more, “a girl!!!”

Good job I stopped Jean from giving it a penis.

After a few minutes she finally decided on the perfect name for her new best friend: “Davina Bow Charlotte.”

She informed Davina that she had to go back inside because it was cold, but she came out regularly to check up on her.

They’d be friends forever.

Puppy Love

Only a year old and Matthew already has his first crush. Unfortunately she’s 5 times his age, and his sister.

He follows her around, copies her actions and demands to have everything the same as her.

Take yesterday for example:

It started off with a fun game of “Guess what Matthew wants”. For anyone who’s never looked after a small toddler, figuring out what they want is kind of like a game of “20 questions” but instead of answering the questions you just get screamed at.

Anyway, I eventually figured out he wanted a pudding. I gave him it and he seemed very happy. He ate a tiny mouthful then started screaming.

Round 2 of “Guess what Matthew wants.”

In amongst the screams I made out the words “Jie jie!!” - this is Chinese for sister. Pretty much all the words he knows are Chinese.

But what did his sister have to do with his pudding? Hmmm...
Turns out, he was refusing to eat the pudding that he really really wanted because Charlotte didn’t have one. As soon as we gave her one he munched his up happily.

He’s so smitten.

I asked Charlotte if she likes Matthew. She shrugged and said “kinda, but he’s annoying.”
Oh well.

The 6 Week Challenge - Part 2

Six weeks ago I drove my wife, daughter, son and mother-in-law to Heathrow. Later today I will go back to pick them all up. The six week challenge I set myself - to extend my life expectancy by 6 weeks - is over.

So, how did I do?

Well, the truth is I have no idea. I probably should have researched something on life expectancy to see what my goal was. Oh well.

What I can do is compare my 2nd 3 weeks to my 1st. In the 1st 3 weeks I lost 3.4kg of weight, in the 2nd 3 weeks I lost 2.8kg. 

Bummer right? Wrong.

As I mentioned last time, "weight loss" is an irrelevant figure. It is focused on so much because its easy to measure, but relying on it too heavily is stupid.

Lets look at it a bit closer:

First thing to point out is that I have no idea what the kilo of "other" that I've lost is. I've checked and I still seem to have all my fingers, toes and dangly bits so I'm guessing it wasn't important.

The other thing to note is that my surplus fat loss has been fairly consistent in both periods, the key difference is that my muscle loss has halved. That makes my 2nd period much more successful than my 1st.

For anyone thinking of starting their own challenge, let me leave you with some of my top tips:

• If you're doing it to "look good" be prepared for disappointment. I've lost 6kg of weight, including 4kg of fat and, honestly, I don't look any different. But I do feel better, which is far more important.
• Ignore all the vast amount of often conflicting "advice" out there. Unless you're planning to be an athlete, it doesn't matter if you get the "best" or most "efficient" plan. Keep it simple: eat healthy and exercise. Build the details around what works best for you. For example, if I tried to force myself to go to a gym, I probably would have found a long list of excuses not to but I found doing over 10km of walking a day quite relaxing. Figure out what works for you.
• Don't make any food "forbidden", just acknowledge that some of it is stupid. If you eat a bit of stupid food, oh well, live and learn. Making things "forbidden" just increases people's desire to have them. I'm fairly certain if a new law was made to outlaw punching yourself in the face their would be an immediate increase in the number of people punching themselves in the face.
• Get yourself a scale that measures fat/muscle. These figures won't be as accurate, but weight loss isn't always a good thing.
• For your sanity, make a graph. 

Right, now I'm off to pick up two of the worlds greatest chefs (Jean & her mum) to come live with me. Think I can keep the weight off?

Wish me luck.

The 6 Week Challenge - Part 1

Three weeks ago I drove my wife, daughter, son and mother-in-law to Heathrow. In three weeks time I will go back to pick them all up.

They are having a fantastic time in China, seeing the rest of Jean's family and friends, eating great food, going to loads of play places, ice-skating, even learning to play the piano.

If I were a "glass-half empty" kind of guy, I may worry that I'm missing out on 6 weeks with my little ones that I'll never get back. Luckily, I'm more of a "top me up" kinda guy.

I'm just going to increase my life expectancy by 6 weeks. Simple.

Disclaimer: Whilst I am technically a "doctor", I'm not the useful kind. I don't know jack about health and medicine. Everything below is just details of what I am up to, NOT advice on what you should do.

Three weeks ago I weighed around 78kg. Apparently for my height anything over 75kg is overweight and ideally I should weigh 65kg. So, how to get from A to B?

The plan: Eat less, exercise more.

I know right? I'm a genius.

So, now that I'm half way through, how's it going.

Not bad. I've lost just over 3kg and I'm no longer officially overweight. If I keep up the pace I'll get down to around 70kg by the time my 6 weeks are up.

Oh, one piece of advice I would give to anyone trying to lose weight. MAKE A GRAPH. Seriously, as you can see from above, it's not every day my weight goes down. Those peaks do not relate to times of "weakness" - weight is random. If you just weigh yourself from day to day those increases can be soul-destroying. It does not mean you have done anything wrong, it does not mean you should give up.

But, of cause, none of the figures I've quoted yet are actually important. "Weight" is kinda irrelevant in that "weight loss" is only good if you're losing surplus fat, not muscle.

Whilst not as accurate as the measurement of weight, it is nice to see I'm mostly losing the fat. Though I may need to up my game on the exercise to keep my muscle mass up.

3 down, 3 to go. Wish me luck.

Happy 5th Charlotte Day

5 years ago my little angel was born.

After 5 days of labour I was shattered. Jean was probably tired too. But we had both never been happier.

5 years on, not much has changed. I'm still shattered, Jean more so, and we've still never been happier.

Charlotte is amazing.

I asked her yesterday what she liked most about being 4. She thought for a while then eventually said "I liked that it was the Year of the Chicken."

I asked her if she was excited about being 5, she didn't hesitate: "Of cause!! How can I not be excited!! Everything in front of me is so beautiful!!!"

Happy birthday my wonderful little girl. Enjoy being 5 and stay beautiful.

Smile, be happy.

Mrs and Mr Treble

Liam McNeilis. The one that got away.

I had been working on my "treat 'em mean, keep 'em keen" master plan for well over a decade - getting married, having kids, moving 200 miles away. Another 20 or so years and I would have been ready to make my move.

But after 5 minutes of seeing him with Jenny I knew my dream was over.

They were made for each other.

And, on April 28th, they had a wedding that was perfectly made for them.

The location was beautiful. A magical land hidden away in the heart of Southport.

The service was a lovely love story.

The food was delicious and plentiful.

Mmmm....

The speeches were fantastic. Especially Beth, who at such a young age just stood up and absolutely nailed it. She really lived up to her title of "Best Person".

The Flower Girls, I believe I can say without any parental bias whatsoever, were the best Flower Girls ever.

The music is still stuck in my head.

But all of that is just very tasty icing on the cake. By far the most important aspect of this, and any, wedding is that the Bride and Groom clearly love each other more than words can say.

Thank you for making Charlotte a part of such a special day, and thank you even more for allowing her to bring the rest of us as her guests.

Congratulations to the newlyweds, Mrs and Mr Treble.

Mothers Day 2017

Silence.

A lazy Sunday morning just relaxing in bed. But with two young kids it doesn't last long.

Sure enough, in bursts our little Charlotte.

"Happy Mothers Day" she exclaims excitedly as she hands Jean a cute Pug faced mug followed by a round of hugs and kisses.

She then turns to me and, in a volume of voice far closer to shouting than whispering, says, "Daddy, you need to keep Mummy in bed for a bit. I'm going to go make her card and I don't want her to know."

She returns a little later asking me to come help her with her words. Mummy, who obviously has no idea what we are up to, still has to wait in bed.

"Ok, what do you want to say"

"Hello Mummy. I love you." I dutifully write it down on some scrap paper for her to copy onto her card. Once she's finished I suggest we go give Mummy her "surprise".

"Wait! I also want to say: I also love Daddy, but I love you best."

Really?!? Hmm.

We had a great day and I hope all the Mummies out there had a great day too. You all do amazing work.

We love you best.

Happy Mothers Day!!

Smile, be Happy.

Parental Sexism

For the past five years, I've repeatedly been given countless reasons to ponder one question: "Why is sexist parenting so socially acceptable?"

It starts from the moment you tell people you're having a baby: "Do you want a boy or a girl?"

It never seems to end.

Bafflingly, it often comes from the strangest places. Adults, male and female, who treat each other with respect and equality - as soon as they become parents they seem to feel the need to "teach" their little ones that blue is for a boy and pink is for a girl.

For little children, the entire world is split into "boys" things and "girls" things. Flowers, football, dolls, cars - the list goes on and on.   Even if someone "allows" their child to break the mold, they feel obliged to make statements such as: "she's not really a girly girl, she's more of a tomboy."

Why? At an age when girls and boys have most in common, why does society do everything they can to split them up?

Maybe you think I'm being silly, they're small, it's cute, what does it matter? I can't help thinking all the battles for gender equality stem from this one area we seem to have all agreed to ignore.

We split boys and girls up, we make their interests not overlap, they grow apart or face social ridicule. They only start noticing each other again over a decade later when their minds turn to sex - at this point they turn each other into objects and, hey presto, we have all the grown up, less cute, sexist issues.

Maybe you think I'm wrong. Boys and girls just are different. Maybe. But why do we need to amplify those differences? Why do I see so many parents pushing their little boys away from the pink aisle in the toy shops? "Those are girls toys."

Why can't a little boy be interested in pretending to be a daddy? I was. I still have my doll, gave it to my kids. I also loved Transformers, watched Carebears, like Thundercats, was (am) bored silly by football.

I don't think I'm alone in having a mixture of "male" and "female" interests - I think the people who don't have any mixture are far more unusual.

So why do we falsely "teach" our children that their are "boy" things and "girl" things?

Why is sexist parenting so socially acceptable?

Year of the Cock.

I'm not normally a believer of horoscopes, but you have to admit the Chinese have nailed it: 2017 is definitely turning into the Year of the Cock.

I'm very tempted to go into a rant about what a hideous excuse for a human being Trump is, but I doubt I would be telling you anything you don't already know.

Instead, let me skip straight to the conclusion I've come to:

"What the world needs now, is love, sweet love."

Trump has made the world a darker place. We need to brighten it up again.

So, this year, whatever situation you find yourself in, think "What would Trump do?"

Then do the opposite.

Happy Chinese New Year everyone!!!

Smile, Be Happy.

Miss Me?

The first day of 2017 started much like every other day: the sound of my alarm clock replaced by the sound of my screaming baby. And, as a good husband and a loving father, I immediately did what I always do: check Facebook to see how many likes my last pointless post got. Seven? Almost a new personal best.

The rest of the day continued to be a great start to a new year, spent surrounded by family, friends, good food and chocolate. There was even a new episode of Sherlock. What more could any sane person ask for?

2017 is looking pretty good. Happy New Year everyone!!

Now, as with all New Years, it's time for the annual review: to reflect on the past, plan for the future. Make ridiculous resolutions and see how many weeks/days/hours we can last until we break them.

What's mine you ask? You're reading it.

In the past five years, I've posted only two blogs - the ending to my story about becoming an Actuary and a farewell to my father. Well the drought ends now - Dave is back.

Miss me?

To clarify: between 2006 to 2009 I averaged 39 posts a year. That ain't happening. I was jobless and childless back then, I'm old now. Old Dave just can't compete with my younger self. I don't have the stamina. But monthly? 12 a year? That I could do.

So, five years, what have I been up to?

Well, as my only two posts suggest, I qualified as an Actuary and I lost my father to cancer. I miss him every day.

Happy Names day Dad.

I've spent approximately 13,500 hours, 31% of my time, either in work or commuting to and from it. This highlights that I'm still a geek who likes throwing random numbers into his blogs, but otherwise I have no intention of boring anyone with this 31% of my life. If you came to a blog called "Life" expecting to learn about how best to use ResQ for reserving in the London Market, well there's probably something a little wrong with you.

A further 29% of my time I also plan to skip over - my treasured time spent sleeping.

The other 40%?

I've had two children. Charlotte, aged four and Matthew, who has four teeth. Based on some basic assumptions and national averages, this means I've also had:
14,000 dirty nappies,
2,000 sets of dirty clothes from when the nappies leaked,
1,500 nights of interrupted sleeps,
sex twice.

Given I've been married over ten years, that last statistic is probably better than the national average.

It also means, of course, that I've been blessed with massive amounts of joy. The real beauty of having children is they help remind you about how to see the world as a place of wonder and excitement, something most of us oldies have forgotten. It's a gift worth all the dirty nappies in the world.

I've bought a new house, twice. I now live next to a great school, in a lovely neighbourhood surrounded by some great friends.

I bought a car and pretty much learnt how to drive. True, technically I passed my test back in 2008, but I hadn't driven since.

I've caught 130 different types of Pokémon and reached level 30.

You know, 2012 to 2016 are looking pretty good too.

Sure, there's been some bad times (Batman vs Superman), there'll probably be more coming (Justice League). But life's too short.

Smile, Be Happy.

See you soon. Xxx.

My Dad

When a person dies of cancer it is often referred to as 'losing the battle'. I doubt my father would appreciate the term. He never lost a battle in his life and he wouldn't want to start now.

When he was diagnosed in 2007, his chances of surviving 5 years were not good. He survived 8.

When he was told he had only days to live, he lived weeks.

And now, while the cancer fades into a forgotten nothingness, my father joins eternity.

My father never lost.

But for all the loved ones he left behind, it still feels like he left us too soon.

He was a husband, a father, a grandfather and a friend. And more.

He was my teacher.

He taught me to honour and respect. Respect my parents, respect my family and respect myself. He gave me the respect I needed to be my own man, follow my own path. He taught me to be strong. To stand up and protect the people I love. To catch them when they fall.

I once watched as my sister climbed onto our kitchen roof. I watched her walking around up there without a care in the world. I watched her make the silly assumption that the plastic roofing above our yard could also take her weight. I watched as she fell.

And just like that, she was gone. 

I ran into the yard as fast as my little legs could take me. And there he was. My Dad. With my sister in his arms, having caught her in mid air. It didn't matter that he didn't know she was up there, that he had no reason to be in the yard or that it wasn't humanly possible to have got there in time to catch her. All that mattered was that she needed him, so he was there.

He was always there.

He taught me to appreciate the small things. The things best said without words. He showed me that something as simple, and beautiful, as a hug or a smile can create a memory to be treasured forever and I can’t thank him enough for each one that he gave us.

A while ago I got a phone call from my Dad. He said, "Hiya Dibs, yeah I just found a carrot and I was thinking of you."

"... a carrot?...”

"Yeah, I was walking past the place in Sefton park where you made the dent and I saw a carrot and I thought about how you used to play there when you were little..."

I’ll never know what a carrot has to do with anything at all. But I’ll always know I was forever in his heart and in his thoughts and he will forever be in mine.

He taught me to love a good book. He showed me worlds where anything was possible. A Magic Kingdom For Sale – Sold. He taught me to relax and enjoy life. To grab some Jaffa cakes, marshmallows, a good DVD and a bottle of coke and just have a good time. He taught me life's too short not to.

Life's too short.

But, in the words of his good friend Gandalf, “the journey doesn't end here. Death is just another path, one that we all must take. The grey rain-curtain of this world rolls back, and all turns to silver glass, and then you see it. White shores, and beyond, a far green country under a swift sunrise.”

Until our paths cross again, goodbye Dad.

I miss you.

S’agapo.

CA3 etc.

CA3 – Communications 
a.k.a “free food, free accommodation, 15-min presentation and a 500 word essay.”

Having smashed all the CTs and the first 2 CAs in the last 2 years, CA3 was a nice treat – a two day break in the pretty little town of Oxford, all paid for by my company. Sure, some of that had to be spent doing exam-type stuff, but it was still nice. I had a very tasty pizza.

Prior to the course, CA3 asks you to fill out a workbook full of various communication related tasks. For example, explaining a complex term using simple language and no jargon. This workbook then provides the basis of the first day of the course, which goes through each question in detail explaining why everything you wrote was complete nonsense – this day is mainly to help build your confidence for the presentation on day 2.

At the end of day 1, the topic of the presentation is revealed and you are asked to produce the slides you will present on day 2.

The majority of day 2 is free time – at some random time between 09:00 and 15:00 you will need to give your 15 min presentation. After 15:00 you will need to write your 500 word essay on some random topic. The rest of the day you can enjoy the sweet freedom of exam stress.

And then after the exam you have a lovely 12 – weeks to wonder how it went…

What better way to spend 12 weeks than to get some more exams out the way?

 

ST7 & ST8
General insurance: reserving and capital modeling & General insurance: pricing

After the mind rape that is CA1, the return to more mathematical papers that directly related to my work was a joy.

13 down, 3 to go, 100% pass rate still intact.

Final stop – SA3 and P3…
 

…bugger…

“Dave,” I was told, while enjoying a nice drink after work, “your name isn’t on the list – you didn’t pass.”

Goodbye pass rate, hello Loserville.

The next day it was confirmed by post – I received an FA (which means you failed, but out of all the failures you did one of the best, so we’re giving you an “A”) for CA3 – an FA! That meant I was within 5% of the pass mark. So close.

So – next stop CA3 retake.

CA3 retake
The retake is very much the same as the first time, except you skip the workbook and the training and go straight to the stressing out.

Also, it wasn’t in Oxford and I didn’t have pizza.

It did not go well. And not just because of the pizza. Although the presentation was probably an improvement, the essay topic asked a question I didn’t know the answer to. Communication becomes a lot more tricky when you have no idea what your suppose to say.

Still, what better way to spend 12 weeks waiting to be told you’ve failed than to get some more exams out the way?

 

P3
General Insurance UK Practice Module

Not technically needed to qualify, but its online multiple choice, you get the result immediately and it can be used to help revise for SA3 as it covers similar ground. Nice.

14 down, 2 to go, 93 and a third percentage pass rate… nope, that just doesn’t have the same ring to it as “100%”…

 

SA3
General Insurance

A delightful blend of everything you’ve ever learnt about GI from the previous exams, plus anything else worth knowing. SA3 can ask about anything GI related, and as such you are recommended to read EVERYTHING. Magazines, journals, conference papers, everything from everywhere.

But not only do you need the breadth, you also need depth as the paper is generally only 2 – 3 questions long.

I opened the paper and my heart sank – all 3 questions are the same topic – I know the answers, but I can’t think of 100 things to say on one topic…

The Results:

CA3 – FB – well, at least it wasn’t agonisingly close…

SA3 – FC – bugger… I mean… bugger… a “C”?!? … bugger…

14 down, 2 to go, 82.3529% pass rate.

Enough is enough. Cue the Rocky music.

If I had to read everything, then I would bloody well read everything. Starting with every single past paper…
 

…bugger!!!!

So it turns out, if I had gone back far enough with the past papers for SA3, I would have found half of the paper I failed, complete with model solutions. I mean word for word, the same question that counted for half the exam I failed – complete with answers.

…bugger…

Still, live and learn.

The RESULT
SA3 – passed.

15 down, 1 to go, 83.33% pass rate.

CA3 – third time lucky.

16 down. 84.21%.

Next stop – pub.

… I don’t remember much after that…

CA2

CA2 - Model documentation, analysis and reporting aka “a 2-day course which provides free food.”

In order to pass the course, you need to produce a model in excel for a random purpose given to you on the second day. The model itself can be rubbish, since the vast majority of the marks come from documentation. You even get extra marks for pointing out why your model is rubbish and you can ask for help if you get stuck – losing a maximum of 5%. The building and documentation of the model lasts an entire day, with a compulsory break for lunch aka “FREE FOOD!!”

So, that’s the second day, what about the first? Well, the program for the first day goes a little something like this:

8:30 – Registration – FREE Coffee and Biscuits
9:00 – 11:00 Get told that Documentation is REALLY important on the second day.
11:00 – 11:15 – FREE Coffee and Biscuits
11:15 – 13:00 Get told that Documentation is REALLY important on the second day.
13:00 – 13:30 – FREE FOOD!!!
13:30 – 15:45 Get told that Documentation is REALLY important on the second day.
15:45 – 16:00 – FREE Coffee and Biscuits
16:00 – 17:30 Get told that Documentation is REALLY important on the second day.

(Admittedly, I may have got some of the times a little wrong, couldn’t find my original program.)

As I head into the final stages of my exams, getting ever closer to the wonderful land of Qualified, I will never forget what I learnt from CA2:

“If your company is willing to pay for accommodation and travel, why on Earth did you take the course just down the street from where you work?!?”

11 down – 5 to go. Next stop, CA3…

… in Oxford.

CA1

CA1 – Actuarial Risk Management.

Two three hour exams, marked as one paper, essay based on an unbelievably wide range of topics. List after list after list. Seriously, there are 48 acronyms to help you remember them. It’s surely the hardest set-up for an exam possible without getting in trouble with Human Rights activists.

Skip ahead 3 months:

July 14th, 8pm, the results are published. I...

...didn’t check them that quick, I was out having a lovely meal with my dear friend Grace. I had pizza.

...mmmm... pizza...

Skip ahead another hour or two:

There is a time and place to accept defeat and failure with dignity.

This isn’t it.

Chesney, give me a beat!

“I AM THE ONE AND ONLY!!! NOBODY I’D RATHER BE!”

Hell yeah!

Bring on the STs!

CT9

CT9 - Business Awareness - a.k.a Dave's last CT exam, which would mean although he still had a long way to go before being a qualified Actuary they would send him the "Diploma in Actuarial Techniques" if he passed this one.

... it sounds more impressive than it is...

Anywho, in addition to being Dave's last CT exam, CT9 was also different for a number of other reasons.

Firstly, it required attendence at a two day training course during which it was COMPULSORY to eat the free food and stay in the free hotel. Seriously, they can technically make you retake the entire two days if you don't go to the meal. One may logically assume something important happened at this meal. One would be wrong.

The course involved a whole bunch of varied topics from professionalism to legal issues and a business game in which the winning team actually won £25 of vouchers each. However, none of this counted towards the pass.

The actual test was an online, multiple choice, open book exam with no time limit that could be taken at any time after two weeks from the course ending - a.k.a take as long as you want, do it whenever you want, choose from multiple choice and feel free to check the answer on the internet before you pick it - a.k.a the easiest possible layout for a test without giving you the answers.

So, how did it go for Dave?

Badly. Very Badly.

... he came second in the business game!!! And there was only a prize for first!!!!

... but he did get 100% on the exam and the diploma is in the mail.

That's something I guess.

Too Fee or Not Too Fee.

On the 9th December 2010, Parliment voted 323 vs 302 in favour of the new highly controversial University Tution Fees structure.

So what is all the fuss about? Who are the main winners and losers? Glad you asked...

Protesters:

The recent riots were disgusting. Spoilt by gangs of idiotic children looking for a "legalised" excuse to smash stuff up, they did no favours for anyone.

Property was damaged, people on both sides were seriously hurt and it didn't have the slightest affect on the vote.

Those who caused the trouble did so delibrately. They are criminals and should be locked up.

Overall Verdict: Losers.

Students:

For UK students, Universities can currently charge up to £3290 per year. Students from poorer backgrounds do not need to pay these fees, but can take out student loans for cost of living. Students who do need to pay can take student loans to cover the cost. Most students leave Uni with £12K-£15K of debt, which is paid back at a rate of 9% of all income above £15K gross per year. Interest is kept in line with inflation so no one pays more than they borrowed in real terms.

The new system is essentially the same, but its 9% of everything above £21K per year, saving students up to £45 per month. Yay!

...oh, and the minor fact that Tution fees can be up to £9K per year, so that over the 30 year lifetime of the loan (wiped clean after 30 years) the majority of students will pay back thousands more than they do now. Darn.

It could be argued that the rise in threshold will mean that the poor will pay less. This, however, depends on the definition of poor. The son of a billionaire, who leaves Uni with several cars and houses from daddy and gets a part time job from his dad's company, giving him a £21K salary as pocket money would be one of the children who would never pay back.

In addition, the £21K is in 2016 terms, which is not that far from £15K in todays money.

Overall Verdict: Losers.


Universities:

Quids in? Nope. The new tution fees will really only cover the huge hole in funding caused by spending cuts. And if the higher fees scare students away they'll end up quids out.

Overall Verdicts: Losers


Lib Dems:

Not a day has gone by since the Lib Dems signed their "deal with the devil" that their popularity hasn't sunk lower and lower. Signing a pledge before the election to scrap tution fees and then becoming part of the government that nearly trebled them has, shockingly, not helped.

Nick Clegg may need a new strategy.

In addition to being at an all time low in opinion polls, the party looks ready to fall apart, with 28 "Yes" votes, 21 "No" votes and 8 "I didn't come in to Politics to have an opinion, I came for the free moats" votes.

Overall Verdict: Losers


Labour:

With the biggest riots in 20 years and alot of unhappy people around, its generally a great time to be in oposition.

Unfortunately for Labour, they have failed to really make the most of a "bad" situation. Although its easy enough to critise, Labour have failed completely to offer any kind of alternative, which is pretty bad. Particularly when even saying "just leave it alone" would have been more popular.

Instead they stand behind a graduate tax, just days after saying a graduate tax could never work.

Overall Verdict: Losers.


Conservatives:

Being the main driving force behind this whole event, and having kicked all other major players into the "losing" catergory, it may be fairly obvious that the only way is up for the Cons. Sure, there will be some political backlash, but the Lib Dems are taking the worse of it and Labour are failing to clear up. More importantly, by the time the elections swing round again this policy will have cleared shed loads of debt and make the Cons come out smelling of roses.

... or will it?

Having masively cut University funding because "there's no money left" the Universities will instead be funded by... the government...?

Sure the students will, eventually, pay back more under the new scheme, but all initial costs will need to be put up by the government. In fact, these initial costs, spent NOW, when the country has no money, will be more than under the old scheme. When the students do start paying back, they will pay back up to £45 per month less. Meaning the initial return, the return now, when the country is desperate for any spare change, will be less.

Even in the long run, on average it is expected that a graduate will need to earn over £45K per year to pay back everything within 30 years. For such large amounts over such a long time, any errors in predictions could mean the government falls far short of its expected returns and as more and more students pass through the system this could lead to an increasing blackhole in funding.

There's only one thing left to say about the Cons then.

Overall Verdict: Losers.


So, you may ask, has anyone won from all this?

Of cause they have.

The Scottish, who after centuries of abuse from the English, can now sit back and grin as the only members of the EU who need to pay for Universities in Scotland are the English (and Welsh and N. Irish).

Good Times.

CT2, 5 and 8.

The October sitting of Actuarial exams saw Dave's biggest challenge to date. CT2, CT5 and CT8, aka Finance and Financial Reporting, Contingencies and Financial Economics.

The pressue was mounting for several reasons. CT8 had a reputation for being a troublesome beast, with a lower pass rate than the other CTs, it was also being taken by his company's latest recruit which meant potential loss of "face" if he failed and she passed, CT2 was more of an essay based exam which took Dave further from his comfort zone, CT5 was about Life and Pensions which Dave had no experience in, the October sitting of exams had less time to study and he still had a 100% success rate to maintain.

It was, therefore, with a sigh of relief that after the week of exams was over Dave thought quietly to himself,

'Nailed it.'

He wouldn't get the results until December, but Dave was already looking forward. With only one more brief stop in February for CT9 he was on his way to the big boy exams of the STs and CAs.

Mr and Dr Exall

September 18th 2010, Dave woke up with a smile at around 10am. Afterall, he had plenty of things to smile about.

He had spent the night in the beautiful little town of Hebden Bridge in West Yorkshire. It was a little place in the country with a population of around 4,500 (Dave counted) that had grown out of its water powered weaving mills in the 19th century due to its plentiful supply of both water and sheep.

It was gorgeous.

More specifically, he had spent the night in the very cosy home of one of Freddie's friends. Having never met Dave or any of his crew, this lady had volunteered to let them use her place in Hebden free of charge for the weekend while she was away. Everything about the house echoed the warmth of her gesture making it a lovely place to be.

Even more specifically, Dave had spent the night cuddled up to Bian on the sofa bed while Jean and her mum slept peacefully in the bedroom. If a night with Bian doesn't put a smile on your face, nothing will.

And in addition to all that, in a few hours he would witness the long awaited marriage of Freddie and Sarah.

It was a good day.

The wedding itself was in the National Trust grounds of East Riddlesden Hall in Keighley, just down the road from Hebden Bridge. The hall was built in 1642 by James Murgatroyd from the money he made from sheep.

Taxi's had been pre-booked and paid for to get the group there and back again and arrived perfectly on schedule at 1pm. It made one brief stop on the way there for Bian to be violently sick but otherwise arrived without issue into the grounds at a little before 2pm. It turns out Bian gets travel sickness. Either that, or he had just had a flashback to last night.

Needless to say the grounds were amazing and they have made several TV appearences, most notably in the 1992 film Wuthering Hights. More recently they also appeared on Most Haunted, as the grounds are apparently normally packed full of ghosts. However, as it wasn't that big a wedding only a handful of them were invited.

The service itself was short and sweet, with the incredibly lucky Freddie watching as Sarah walked down the aisle to the tune of "Stand by Me" in a stunning dress and an even more stunning smile. With a ring, a kiss and a signiture it was official.

Congratulations to the newly weds! They made a wonderful couple.

And so, just several weeks before all of Freddie's hard work finally saw him finish his PhD and enter into the Doctorhood, Sarah became the first Dr Exall of the family.

Following the service came the feast, and in keeping with everything else it was fantastic. The very best in free range meat was enjoyed by all, while Freddie gave his speach in the background.

mmmm.... free range....

There was drinking and dancing, more food, more dancing and much merriment for the rest of the night.

And, of cause, the icing on the cake came in the form of icing on a cake. The wedding cake was an absolutely delicious chocolate delight and it was only with the upmost restrain and the knowledge that Jean would probably kill him that Dave stopped himself from just eating the whole thing by himself.

At the end of a wonderful day, the happy couple left for their honeymoon in Wales and the quartet returned to Hebden Bridge, were Dave spent the remainder of the night cuddled back up to Bian.

And the smile on Dave's face was still there.

3 out of 5

Friday 27th August - Alan's little baby boy was finally due to arrive...

... but he was running a little behind schedule...

Saturday 28th August - Nope, still no sign.

Sunday 29th August - Any time now.

Monday 30th August - No, OK?!? No! Now quit asking.

Tuesday.. I said NO!

...

Monday 6th September - Katherine was finally due to be induced...

... but the hospital was a little busy...

Tuesday 7th September - Maybe tomorrow?

Wednesday 8th September - Tomorrow.

Thursday 9th September - Katherine was finally induced. She would be giving birth any time now...

... any time...

Friday 10th September - Callum was born at around 2pm.

HAPPY BIRTHDAY CALLUM!!

Having been 2 weeks late, he clearly took after his dad in part, yet he was adorable and cute, so not completely.

With Alan finally joining the ranks of parenthood, that pushed the number of Natsios siblings with children past the midway point to 3 out of 5.

With the remaining 2 being Dave and Pea, and Pea being younger and single, the heat was really going to start going up for Dave.

"When...?"

"Not yet!"

External Business Meeting 101:

Things to do:

1. Inform reception of arrival.
2. Conduct the meeting in professional manner.
3. Leave.

Generally, the main focus of time and energy should be step 2...

...generally.

Dave and his colleague, Nicola, arrived at company X's building for a 3pm with Y.

Note: The company is not actually called "X" (however the person they were meeting really is known only as "Y").

Step 1: They informed reception that they were here to see Y who worked for X.

Reception stared back at them blankly.

"X?"

"Yes, X. To see Y"

Another blank.

"X?"

... after several more loops of this conversation, Nicola finally spotted X's name on the floor plan of the building and pointed it out to Mr Reception.

The fact that the company existed seemed to be good enough proof for Mr Reception that the duo did indeed have a meeting with Y and they were given their cheap paper passes without any further checks to see if Y was actually expecting them or even existed.

After all, they seemed to know the building better than he did.

Step 2: The meeting went without a hitch and an hour later it was wrapped up with smiles and handshakes all round.

Step 3: On leaving the building, Nicola handed in her pass to Mr Reception, Mr Reception stared at Dave and Dave stared back at him blankly.

"You need to hand back your pass."

'Fudge.'

"I've left it in the meeting room."

"Go back and get it."

And so, Nicola and Dave returned to the meeting room to collect the AWOL pass and adhere to the correct protocol of the building.

Note: At this point, the duo were roaming the building completely unaccompanied with no one knowing they were coming back up and neither of them had a pass...

Anywho, 2nd time lucky, the pass was handed back and they were out the door.

Easy.