It feels wierd typing without long nails, but it had to be done. This is about when something goes horribly wrong!
When my Husband and I went off for our posh Norway cruise to celebrate our Silver wedding in March, (our anniversary is September, but we wanted to see the Northern Lights so waited), I had been carefully nurturing my nails. Except using nail strengthener made them brittle. I then ended up with two broken half way across the nail plate, which was very painful. (I was lifting bricks and slabs, without gloves on, so no sympathy required, and yes I had seriously done my back in 18 months before, you just got to have that positive attitude).
When we got on board ship I decided to ask if nail exensions would be a good idea to hold them together. The beautician said it would work, so decided to go for it and have the whole lot done. I have done level 3 nail tech myself, so when this young lady started buffing my nails ready for the extensions, realised very quickly too much nail was being buffed off.
The result was that I knew if I took these nails off, I would be in deep trouble, as they were so overbuffed they had gone purple in places. This means they are almost down to the nail plate. The only solution was to backfill, and keep the nails going until the extensions had reached the free edge.
Then I found that three have actually lifted off the nail bed and away from the hyponichium at the free edge. So these have been duly nursed for a couple of months. Today I filed and buffed. I got the nails back as short as I can, and buffed down the surface, so it still supports the nail enough, and infilled where the nail is splitting down the length of the nails. My actual nails underneath where they were buffed hard at the cuticle and have now grown through just peeled away they were so weak. However I do have a bit of free edge from the remaining nail extensions!
I am trying germolene new skin to pack under the nails where they have lifted from the nail bed in the hope I do not get filled up with dirt and get infections.
So far this is six months since having the extensions. I expect it to be another 4 months before the damage has grown out altogether, in the hope that the lifted nail plates will grow right through attached.
My mind wanders freely when I do these sort of jobs. I found the idea of Lehman Brothers bank kept flashing in my mind, and the overall effect that the integrity of the whole financial machine has been compromised by a series of 'quick fix' (sorry, just realised where the connection is with my nails!) attitudes. It looks as though the finance markets keep digging themselves into deeper holes to try and maintain, for want of a better expression, a good looking set of talons. (Or Talents!)
The thing is, I knew full well that having nail extensions may well land me with a worse problem than the two badly broken nails that I already had. In fact I expected it! However on this occasion I was prepared to take that course of action. I have thoroughly enjoyed how my nails have looked, but under the glitter I knew I had serious problems to deal with.
Those generated problems needed to run full course from the quick to the free edge, before I could contemplate leaving the nail bed on most of my nails exposed completely. I did ask the beautician not to buff my nails prior to having the extensions, but just slightly roughen the surface so I could soak them off after my holiday. No Way... don't ask! Another one of those people who know far better than you what you want!
Well I found myself mulling over all of the lead up to the crash, and thinking about some of the measures that have been taken since.
In effect to summarise, I decided that both the politicians and the banks have forgotten who their clients are. What their client's best interests are, and who actually pays for them to be 'in power', or looking after our money. They are still trying to hang on to the symbols of luxury, when it's time to get their hands into working shape.
I want my nails short, because I am going to start dressmaking in a few days, and I can't pick up pins with nail extensions. I want to do some beading as well, and that is impossible with long nails.
I suppose in a rambling way, what I am getting at, is that the politicians don't actually seem to realy understand the underlying problems the banks have caused, and the banks are still offering inadvisable solutions. This is just so everyone keeps their job, and gets to 'play' at this game for as long as they can get away with it.
I don't think the politicians can agree on anything between themselves, because they don't know how to work together. They only know how to fight each other and have slating matches. They waste so much time trying to score points, they don't get a genuine long term strategy worked out that will benefit everyone, that subsequent elected parties will uphold as a long term fiscal strategy, based on sound common sense basic practical initiatives.
In the meantime the banks are acting like spoilt brats, constantly demanding and manipulating everybody.
I would like to see a genuine consensus to re-structure banks. For them not to be so large that they affect the whole world if they collapse. For a very clear understandable structure to what banks are, and aren't allowed to do. This also extended to stock markets, and the way that governments handle public money.
If after this last 40 years of madness, we haven't learned what a money war is, and that no matter how much we think we are getting as a pay rise, within a year that rise is cancelled out by inflationary tactics of a very small minority of money barons, and that this actually leaves us worse off as each year passes.
We all allowed this situation to happen. Some understood what was happening, but ignorance does not exempt anyone from culpability in this particular time, and monetary circumstance. If anyone borrows money over 4% you are being done like a kipper. You can never pay back more than 7% because the interest doubles the borrowing in 10 years. People are still taking out loans at 11% and upwards.
Everyone has wanted to look better than their neighbour, no matter the cost. Now it's time to pay up for the excesses of vanity. Get the substructure sorted out, remove the rot, and don't try to support something that looks good, that simply adds a further burden to the economy. Better that we all make the right sacrifices for the right purpose, than support an industry that is prepared to do harm to their customers for a short term gain.
I am reminded that both Lawyers and stockbrokers milk a Cow from both ends at the same time. My Lawyer has a picture of it being done in his office! Banks do the same, you get charged to put your money in the bank, then you get charged to take it out again if you are a business!
The whole point of an individual being prudent about expenditure, is that you get minimum 4% return on investments. People that invest this money make a profit before you get your 4%. Lets face it, the best that the banks are offering is about 3.5% if you have over 50k and you have to tie that up for 5 years. Someone is minting it out in the back room.
If the best rate for savers is 3.5, it is normal for people that borrow money get charged 4%, so that they can pay it back. I think these rates we have at the moment are racketeering on top of negligence. No wonder there are riots, If I hear of bankers getting massive bonuses again
At the moment all the sensible prudent pople who have any savings or investments can't get a reasonable return, so there is no point putting money into a bank. All the people who aren't wise enough to wait to purchase and pay such high interest rates are going to cause a further debt hole, as these will default.
The actual value of everyone's money is realy plumeting. You may as well pull out the bathplug and turn the hot tap on the way things are going right now.
I was told by Lloyds the best rate I could get for a small loan was 9%, but that was only if I took out an Island Gold Account, otherwise it would be 11%. On principle even if I wanted to pay £7.50 a month for the account, I would still not pay 9% for a loan. I was told this is because the Bank is being 'sold' the money by the government, and it wasn't cheap! Nat West just don't bother to even respond to the question!
Since when has the UK government been my banker!
I still think there ought to be a properly regulated independant bank for Jersey Channel Islands.