Foreign Perspectives

We were tootling along quite nicely with our various regular activities until a week or two back but now it’s getting to the point that we can barely fit everything in.

It’s mainly down to the Christmas activities that the school seem to be throwing at us almost daily which are difficult to fit into what was already a reasonably full though doable schedule. Thus we have school photos to deal with, school calendars to come in the next day or two, the school Christmas fair this week, the school play next week, the school Christmas pantomime the following week and, no doubt, many more Christmasy things that we’ve forgotten or not been told about yet.

Naturally, there are also things like Christmas cards to write, Christmas presents to be bought, the Christmas markets to be seen and lots more besides.

And, of course, there are the non-Christmas things to be done which, for me, seems to be largely taken up with assorted course assignments though there’s lots of non-course things to be done too.

We signed up again for Fitness First again way back at the start of August when they’d one of their offers running… “sign up for BodyFirst, get three free personal trainer sessions by paying £35 now and you’ll get it refunded after 20 sessions”. Well, that’s what we were told at the time anyway.

It turns out that we should have been given a card to stamp for each of those 20 sessions which presumably lists a couple of extra conditions that we weren’t told about. First, those 20 sessions had to be taken within 8 weeks of signing up. That shouldn’t be a problem as we were attending 4 or 5 times a week so those 20 sessions were completed in late August or possibly early September. Except that 1) we didn’t have that card to get stamped, 2) their computer was down quite a bit towards the end of August so our attendance wasn’t recorded and 3) it’s quite common to get waved through without the membership card getting swiped. Net effect of that was that we have only 16 recorded attendances in the 8 weeks ie they swiped the card just twice a week on average.

Second problem was those “free personal trainer” sessions. It seems that they weren’t optional as, presumably was stated on the card which we didn’t get, not doing them within the 8 weeks means no refund of the £35. On that particular point, we were explicitly told by the membership guy at the time that we could take them at any time so I guess he doesn’t read the contracts that he’s signing people up to.

I’d say at this point that it was important to read all the conditions of a contract with Fitness First but seeing as we weren’t given the contract, we couldn’t do that.

Most of the time it’s fine to take a few cards and maybe a travellers cheque with you on holiday, but what do you do if you run out of money when you’re abroad or if your cards/cheques are stolen?

It’s safest to work on the assumption that your cards and/or cheques will be stolen and prepare for that. The way to do this is to keep a note of the card numbers, expiry dates and cancellation phone numbers for each card that you are taking with you. For the travellers cheques you need to note down the cheque numbers and the date & place that you bought them. Take one copy of the note of these details with you (separate from the cards, of course) and leave one behind with a friend or family member. It’s best to cut down on the number of cards too and go with the minimum which is three: one Visa, one Mastercard and one more for when the other two are stolen (keep the third one separate from the other two).

When they are stolen, you just go through the details and call to cancel the cards and cheques. The cancellation numbers are usually reverse charge numbers ie you won’t have to pay to call the banks. It’s useful to look up the number of the international operator and/or AT&T direct number for the countries in which you’ll be on vacation in advance.

In theory, cards can be replaced abroad within 24 hours but this depends on your card, your card company and the banking system in the country in which you’re on holiday. The best cards for replacement are gold/platinum ones but unfortunately they’re also the most attractive to thieves.

However, some countries just aren’t up to replacing cards quite so easily though a combination of language problems and primitive banking systems. Nobody who has stayed with us and had a card stolen in Prague has ever managed to get it replaced whilst they were there.

So what do you do if the card company can’t manage to replace the card? That’s when you need to look into how to get money to yourself from home and there are several ways of doing that which I’ll be covering next.

Things were going really well with the football coaching yesterday afternoon as with it being the week for the “FA Cup” the kids were all taking it really seriously.

One of the best players was a beefy kid who was unusual in being good both as a player and as a keeper. It was no surprise that his team were in the final two for the playoff.

And then it went to pieces. In a very fast paced match, the first goalkeeper let in four goals in a row and we saw the beefy kid first lie down on the floor then head off for his parents on the touch-line where the tears and wailing started. And kept going and then went on some more. In fact, he ended up wailing right through the rest of the match whilst another three goals were let in.

OK, not such a good game for his team, but the wailing seemed way over the top.

The web applications course threw up an interesting possibility for the adsense last week which looked potentially really profitable so I thought I’d try it out.

Basically the theory is that if the ads on your site are more visible then people will click on them more often and therefore increase the income. There are limits to this though as it’s easy to move from “more visible” to “too visible” and thereby lose visitors.

What the course showed me was a way of keeping the ads on-screen all the time but in a not overly annoying way. As the screen concerned is sometimes very long and the current ads were simply scrolling off it, this seemed like a sure-fire way to increase the income.

What it didn’t allow for is a quirk of adsense which has the effect that the highest paying adverts are inserted into the first adblock that adsense finds on the page. This meant that those ads went straight into the new adsense block. Not necessarily a disaster in itself but the snag was that the click-through for the new block was less than half that of the original block. Moreover, the clicks were split between the two of them. The net effect was that the income dropped somewhat.

Whilst you might think that this was a failed experiment, it wasn’t. What it showed me was that keeping the ads visible is, in principle, a good thing. However, what I need to do is to keep the big paying block on-screen rather than adding a new one so that the highest paying ads stay there rather than introducing a lower click-through ad that captures the higher paying ads.

I think a bit more thinking is required before the next experiment.