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About Vulture

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  1. I've noticed it too, but to be specific, it's the 4-wheel drive vehicles and the flashier top-of-the-range family runabout car models that are being offloaded. However, I haven't noticed an increase in the luxury models being offered for sale - Mercedes, BMWs etc. Vulture
  2. I went on a pub crawl with my high school buddies for Christmas Eve and New Year. Christmas Eve was busy, but nowhere near as packed as previous years. Pubs were trading at around 1/3 of full capacity. New Year was even worse. We set off around 9 pm and ALL the pubs that we visited or passed in the area were completely quiet until around 11. Even then, the celebrations seemed strangely muted. People just didn't drink as much and everyone still behaved relatively sober even at 2 in the morning. No-one passed out, threw up or fell over, which was the norm for all previous years that I can remember. Not even a spontaneous rendition of "Auld Lang Syne" over and over because no-one knows the words beyond those three. I wasn't at all surprised to see "Death of the Pub" as the headline in the local paper on 2nd of January. Worst of all, only 3 of us made it. Normally there's 12. Why? Flat broke. Vulture
  3. Some salaried administration is necessary, Methinkshe. Voluntary administration is all well and good, but volunteers are not paid and have other personal and professional engagements which make them unreliable. However strong their personal commitment to the charity may be, it's better to have someone who is bound by contract to raise money over and above what it costs to employ them. This is critical if that charity needs to raise huge sums to support for example, homeless shelters, hospices, shelters for abandoned animals or what have you. No charity that needs that kind of money would dream of relying totally on volunteers who can just up sticks and leave whenever their other commitments demand it. It wouldn't survive. If I was approached by a "professional fundraiser" and my definition of "professional fundraiser" is someone from an outside fundraising agency who is subcontracted by the charity to raise money for them, it would prompt me to come up with a "Bloody parasites" response like yours above. I can understand where you're coming from perfectly. It's their job to raise money only. They have no personal commitment or emotional bond to the charity, and I would refuse to give money to such a person, knowing that they are obliged to take a cut which can be a fairly high percentage, and that percentage is lost to the charity. They will never even see it. But the charities I work for, I have a very strong attachment to them that goes beyond a legal document for various personal reasons I won't go into on this board. I am devoted to them; I have sunk a vast amount of personal time and energy into them and frequently go above and beyond the call of duty when required. I want them to succeed at what they do, and I try to keep my impact on resources as small as possible. But hey, I need to eat too. I work for the charities directly. I don't belong to an outside fundraising agency. People like me are necessary. I hope you understand where I'm coming from. Vulture
  4. I moved into charity fundraising. Very rewarding and my job satisfaction is through the roof. I found that I had a talent for persuasion, diplomacy and interpersonal relations when trying to find jobs in my old field. It comes in very useful. Not at all what I thought I would end up doing. Funny how life turns out. Vulture
  5. I wish I knew that before I started the degree, Bloo Loo. It was the accepted career path back then and it was almost expected of you. GCSEs -> 'A' levels -> degree -> a good job. Ha! Hardly. See my above post. I went in through the back door and made the opportunity. I was mercenary about the whole thing, to be honest. Never used the well worn path of responding to advertisements and attending interviews for jobs in IT. No sirree. I have, but I'm not in IT any more. I've personally found the field to be unstable and unpredictable. Vulture
  6. I did. Every organisation needs computers, right? I thought it was foolproof. I got caught out by something I never thought would happen - the dot com crash. I spent enough time recovering from that to make my computing degree a worthless piece of paper. That's another thing I would urge all would-be university students to consider. Is your degree going to be worth the effort you put into it if you cannot make your mark on your chosen field straight away? Technology will march on without you if you can't. Playing an endless game of catch up to stay on top of the wave is no fun. Vulture
  7. The problem is a glut of graduates. I've heard that comment from every employer I've worked for. Employees have got BAs and BSc degrees right, left and centre. Even the odd Masters and Phd. Some of those brainboxes work for just above minimum wage. There aren't enough high-flying jobs to go around. It's as simple as that. I've worked for minimum wage in many previous jobs. It took me 3 years from the date of graduation to get a job that paid more than that, and 6 years to land a job that paid double figures per hour. I got it by being mercenary, going in through the back door, making contacts and friends in high places. You've got to network. Just my experience. Vulture
  8. Oh, I do get it. Why doesn't anyone else? Is society so greedy, so materialistic, so short-sighted, that it will willingly destroy itself for the latest iPod or whatever else floats your boat? Why am I laughed at, called a freak and worse, just for wanting to remain debt-free? Why am I frequently described as an anarchist for spitting on credit card offers and loan offers that flooded my mailbox? Not so many any more though. They've slowed to a trickle now. I believe we are facing destruction. I'm waiting to pick over the bones, hence the "Vulture" handle. What will rise phoenix-like from the ashes years or decades down the line, I can't say, but society will be changed beyond recognition. Wow, a veteran member with a membership number in double figures. Thanks for the welcome. I look forward to taking part in the debate if I can get a word in edgeways before the veterans discuss it to death. Vulture
  9. My sense of smell is average at best, Sacred Contracts. But my eyesight is excellent. Gives me incredible foresight - I could see this coming years ago, and planned accordingly. It started when I was a student and getting very angry wondering how my fellow students managed to splurge money in pubs, drive their own car, have a social life in nightclubs night after night etc. I couldn't manage that, and I wondered why. I opened a can of worms that day when I started researching the answer. The answer was, "Debt". They were in debt, and proud of it. They accepted it as a fact of life, pretty much the same way I accept that the sky is blue. They gave up the fight before it began, believing it was futile. They're crying now. Openly envious of my debt-free status. They are slaves to the banks and to their employers. Some are facing IVAs. All are facing down the fact that the fun they had all those years ago will dictate their lives for years to come. I've been tracking the numbers for years now. I watched in 2001 as the BOE cut interest rates to historically low levels to avoid recession, and warned that the rates could not be sustained. The BOE's warning went unheeded. The entire world seemed to lose its head and gorged on cheap credit. I stood back and watched. Fools. The debt mountain exploded, I was priced out of the housing market, and the rest is history. Now I'm waiting for the endgame. Vulture
  10. The Vulture has landed after lurking on HPC for a very long time. I'm in my late 20s and recently forced back into the family nest for the second time. I've rented and lived in B&Bs and hotels. I've given up all hope of ever owning my own home. Thanks to a militant attitude to credit where I avoid all offers of loans, student loans and credit cards, no matter the cost, I have no debt. I know what it feels like to be truly FREE! I have freedom! But the seismic impact of living your life within your means has taken its toll. I know better than anyone what is waiting for us in the credit crunch, because I am living it now and always have done. It really rams home just how far civilisation has gone in its addiction to the red ink. I cannot do many of the things that most people take for granted. For example, I was 28 before I had the money to learn to drive and be able to run a car without wincing as the money flowed out of my wallet. Even then, I have to be careful. I hate being stuck in traffic jams, for instance. Wastes precious expensive fuel that is often difficult to replace with cold, hard cash. My social and personal lives have suffered compared to my peers. Civilisation has lost the ability to entertain itself without some form of commercial input, and that takes money - often credit. What are you going to do when you don't have that money? When the credit crunch really bites, you can expect riots and revolutions. The cost of living is horrendous when your "flexible friends" cannot help you out and shield you from it. The masses are not going to like it when they wake up to that bitter cup of coffee, and that scares the living daylights out of me. I'm a bear through and through. I instinctively know that we're facing a full-blown depression the likes of which we've never seen before in living memory. The credit mountain has left behind any hint of sanity. The numbers are insane! I'm watching and waiting now on the highest branches of the tallest tree. I'll be laughing and dancing on the ruins of civilisation as Rome burns. I saw it coming years ago, and armour-plated my behind. Avoid debt at all cost. Someone throw a match on the red ink, please! I beg you. I'm tired of approaching 30, and still living life like a small child. <sarcasm> Congratulations to the powers that be. You've crippled a generation. </sarcasm> I often think the damage inflicted is fatal. I can't afford a family of my own - ever. You can forget about a younger generation to support the baby boomers in retirement. They won't exist. Rant's over. Vulture signing off - for now. Nice to finally meet you all.
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