Foreign Perspectives

The prices of digital cameras have had a gentle drop over the last couple of years mainly because they have added features and resolution as otherwise the price drop would have been quite dramatic.

If you just want a general purpose camera then you can get excellent ones around £100 or so these days. Even £30 gets quite a reasonable camera if you choose carefully.

However, the problem that all of these cameras have is that they are relatively slow in taking a photo. At the £30 level you press the button and it can be half a second or more before the image is fully recorded so photos taken with these cameras will generally look a little wavy unless you hold them very still. You definitely can’t photograph moving objects with them.

Move up to £100 and that half second delay drops significantly. There is a delay whilst the camera stores the image but the image is completely captured in one go so you don’t get the wavy lines. No problem with moving objects anymore. Spending more generally gets more megapixels which will let you print larger images.

However, if you try taking a photo of something like a car race you still have problems because of the delay in the camera capturing the image. There won’t be any wavy lines but chances are the car won’t be in the frame completely. If this type of photography is what you like to do then you will probably need to move towards one of the SLR digital cameras which start around £300 or so. There’s quite an overlap in the price range of top end compact digital cameras and SLRs and the two have similar capabilities but the speed of image capture is considerably different and, of course, the SLR cameras let you change the lens.

Typically around the £100 to £200 mark spent on a compact digital camera will get one that will suit most people. If you’re into sports photography you’ll need to take that up to £300 for a digital SLR.

The theory was that we would consider the Christmas break to Valencia as everyones’ present to everyone else.

However, we’re finding that this is one theory that doesn’t hold a whole lot of water. Already the demands for not one but two PSPs are getting incredibly loud and we’ve still a good three weeks to go before the present cut-off time arrives of course.

Buying in Valencia isn’t really an option. In principle, it would be a good idea but realistically we’re not going to be there until late on the Saturday and I don’t fancy our chances competing with Spaniards in the shops on Christmas Eve.

Or, to put it another way, we gotta get the PSP ordered pronto if it’s to be here before Christmas!

Wow. This year has flown in for us alright.

The Open University course, as usual, makes time really fly. Somehow or other I managed to go from being one month ahead in January to a bit of a rush in the final few weeks even though I managed to keep that one month leadtime right through to August. I’m sure that the final course next year will be no different although studying a course in English will be a little peculiar after six years of foreign language courses.

Then there was the three or four day trip to see my parents which turned into a month due to all sorts of administrative hassles that needed sorted out.

And now we’re within four weeks of heading off to Valencia for our Christmas break!

Between one thing another we didn’t get around to seeing the rally at all yesterday.

The morning went in a bit of a rush to get the rooms sorted out for all the race officials who were staying with us last night. Since they generally book the whole building, we were using a few rooms that hadn’t been used for quite a while which usually turns up a few minor problems that have arisen since their last use. That in turn meant a rush out for a few bits & pieces which took up the afternoon and then we’d to sort out the couple of things that turned up.

They weren’t using our neighbours as a pitstop this year so we didn’t even see the cars there!

Anyway, we’re hoping to get away this morning to see them on the next leg which is just up the road from us.

Perhaps one of the most interesting developments in the mortgage market in recent years is the arrival of chequebook mortgages. That’s interesting in the Chinese sense of the term in their curse “may you live in interesting times”.

A key aspect of a mortgage is that it’s a very, very long term committment. Typically the term is at least 25 years over which time untold numbers of changes to your life and lifestyle can take place. Children can arrive, grow up and leave home over that time, interest rates can go from 5% to 15% to 5% (and have done exactly that in the past), the area in which your house is in can even go from “up and coming” through “marked for demolition” and back to “attractive” (which has happened in areas of Belfast). That’s just the changes that can happen to anyone.

So, as I say, the arrival of chequebook mortgages is “interesting”.

For one thing, 25 years is so long that you just don’t think about arriving at the end of such a period and that, for a mortgage product, is a fatal error to make. Chequebook mortgages actively encourage that kind of thinking in that they effectively give you an overdraft of perhaps £100,000 or even more. It’s all too easy to spend that on the day to day things and find that you’ve absolutely no way to cover the final mortgage payment 25 years down the line.

Ah, but you’ll look at your statements all the time, won’t you? Many people don’t but even for those that do, that 25 year period is just too long to appreciate the problems that can befall you by spending just a little bit too much as you go along.