Events in my life.

It's Monday 15th September, a few days away from the voting day that decides if Scotland remains in the UK or go it alone. There are many backing both sides with all sorts of reasons. I think most of them remain ignorant of the most important factors for a successful independence. Economy and Infrastructure. Friends and family (at least some) are at each another's throats. This issue has caused more arguments than good causes for the country of Scotland. I will let you know my vote...it is a NO to independence based on a few things. 1) Scotland's main sources of income is dominated by revenue from the North Sea Oil...Whisky export...and taxation of All Working People. There are other factors too but isn't large enough to be significant. North Sea Oil WILL run out...revenue will then cease. Whisky export will continue long after the Oil but it ain't going to be sufficient. Taxation of the working...50% of entire Scottish population can't possibly contrib...

I've been thinking to quite an extent on this one..."does a person change as such?" From what I've experienced in life, certain behaviours are learned and others are expressed through the change in environment (externally) and/or with respect to the person's current situation. Here's an example. Have you ever met somebody back from school who was plain bad? Smoking, causing disruption in class, had fights at school and perhaps bullied you or someone you knew? I'm very certain many of you, including myself, has memories of at least a few. Fast forward a few years (in SOME cases) that bad ass has turned out to be a father...with a job...living in an alright apartment and gorgeous girlfriend/partner. "How did that happen!?" will play through most of our minds...and I think i've got an explanation for the phenomenon. Every human born, no matter where you're from is not naturally bad. It is your environment that shapes you to be the way...

Just having a fab time with my fave girl in the world at the Apex Hotel Restaurant in Dundee! :) A few weeks later, out with my girl, Bro and His missus! 

I did promise my girlfriend that I'd stop smoking but recently I had a few... The cause of my bad habit is stress... Some may say I'm just saying that so I have a "reason" to smoke...maybe deep down it is. It's not something I'll brag about or be proud of. Recently on a few occasions, I've viewed some flats that I really like but the problem is getting a mortgage...the banks and building societies have very very tight regulations for this now...I've been rejected numerous times. I would really like my girlfriend to move in with me so I don't have to wait a week each time to see her... I would love to have my own home to go home to...but it ties in the fact that I cannot get a mortgage. Some dumb twit opened the door on my car yesterday while i was working! In the next couple of weeks, my boss will have a few important friends and fellow business men coming from London and China. These people are very successful in their respective fields of ...

Well well, this past week I cannot be more smug, my very recent girlfriend has graduated, she is now exhibiting her work in London AND an image of her work has been chosen at the Gallery from the many many bursary winners and extremely worthy competitors! I may not "get" their work nor understand what was the inspiration used...all I can say is, I know how much time and effort each of these guys used...so even if nobody knows what you're trying to portray, at least your efforts will be duly noted! Good Job my girl!!!

I'm not sure if it is just me or does anyone else find it more and more difficult to obtain a mortgage these days? I do not understand why does my rental income not count as income on top of my wage?! I make an average amount each month via work and the rent i receive is bonus and i look forward to it every month (some of it i give back to my folks because they did help me buy the flat). I'm not much of a spender...the flat is fully paid off and generates decent income...yet it doesn't count?!?!? >:( Michelle doesn't understand much about the financials but bless her! She does seem to grasp the ideas and concepts that I'm trying. Quite the support I need...damn I bagged myself a good one! ...i hope my next opportunity will be around the corner soon! I really want another rental to boost my income even if the banks doesn't think it is!

Hey, so...yeah...as the title says, it's almost half way through 2014. I've been looking at houses and flats around Edinburgh and MAN ARE THEY EXPENSIVE!!! It's not that I am looking at posh, upper class areas as such (those would cost more) but working/middle class areas...so I picked up a few details of these places and went to the bank to see about a mortgage... Long story short, they can't give me anything because i don't work a defined number of hours...our line of work doesn't have a set amount of hours because sometimes it's busy and sometimes it's not...everything is being computerized and the machine has taken over...if it was just up to the bank manager, i would of got it no problem because the manager knows my whole family...dang it! Ah well, there will be something around the corner and if I can't get a mortgage with my financial condition...then i think neither can many others...