I’m currently reading Legacy a book by James Kerr that covers the rule books that the all blacks rugby team put in place a few years ago.   I’ll write so,etching about it when I have finished it.   However there is a section that talks about marginal games.   The concept of lots of small differences adding up to make a big difference.   Team sky use a concept of lots of 1% changes and apparently the McLaren racing team call it tenths, where they look to shave a tenth of a second of every lap during a race.

This though reminded me of this clip from. Any Given Sunday, and it’s been  while since I watched this. Great clip, great message and great acting. 

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Insurance needs to change

I’m currently renewing my house insurance which is an annual task I hate doing.   It always feels like a big gamble, how do I know if my house will fall down and how cub it will cost to rebuild.  The effort as well of filling in the same form getting quotes is just a pain as well.  Yes I can use a comparison site but the quotes are never right and really no better when you have made the policy match against a direct quote.

The other thing that’s has annoyed me is recent thing with the excess.   I accept that I will pay the first £200 of a claim.   However some companies now I still a mandatory excess of a further £100.  I know I can in theroy choose to have no excess but don’t stiff me twice.

Anyway why does it need to change.  Well with house and car insurance these are things we each year need to renew.  There is a lot of effort that goes into this on everyone part.  So why do we renew every year and not have a longer policy length? 3 years or 5 years seems reasonable. You can have life insurance policy for longer so I don’t believe its legislation thing?   

With my insurance policy the costs has gone up by £50 but I haven’t had a claim in the last year so why?  Surely if i haven’t had a claim I should be rewarded.  Instead I have found a better cheaper policy elesemwhere and will now move, only to repeat the charade next July.  A benefit of being in a longer policy and showing a commitment that if you stay claim free for 5 years it could mean a real rebate rather than some money of your policy if your lucky.   There would possibly be a need to take into account environmental factors that would normally cause your renewal to each year adjust and so there would need to be a way of handling this.   However I suspect this could be eradicated by the reduction in costs of the companies having to handle so much admin.

I’ve not fully thought this through but it feels like its ready to be disrupted.

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How to make Smores

Well we have had a couple of days of good weather in the U.K. And so everyone seems to behaving a BBQ.   Something to try if you never had is smores.    Now I would probably argue it’s more camp fire than BBQ but you can get a way with it I think.

If your not sure what they are, its marshmallow toasted over the fire, then chocolate and cracker/biscuit around it.   I was at a party the other week and this was done using chocolate biscuits and Marshmallows.   It was prett good, however I came across this video last night on Mr Porters YouTube page and it looks as though there is a key step I’ve always missed, toasting it all again after its been assembled.

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The point of this site, is to capture thoughts and things that I come across on the internet and daily life and share these.   These will generally be around tech related topics and things I have played with, but may also move onto sport, fitness and general everyday.


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