The Martian – the most gripping book I’ve read in a long time (and it cost 77p)

The Martian – the most gripping book I’ve read in a long time (and it cost 77p)

The Martian – the most gripping book I’ve read in a long time (and it cost 77p)

I went to bed far too late last night.  The fault rests with a book on my Kindle called The Martian. I had 20% left to read (70 pages in old money) and found myself unable to leave the story.  I curled on the sofa in the dark so engrossed with the castaway astronaut on Mars that when Mrs MSE turned the light on, I jumped.

Reading it gave me so much pleasure I felt the least I could do was to write a quick book review.  As always, I’m far more into the story than the literature.   

The best way to sum up Andy Weir’s The Martian e-book is with this quote (forgive the language). Don’t worry, this isn’t a spoiler.

So that’s the situation. I’m stranded on Mars. I have no way to communicate with Hermes or Earth. Everyone thinks I’m dead. I’m in a Hab designed to last 31 days. If the Oxygenator breaks down, I’ll suffocate. If the Water Reclaimer breaks down, I’ll die of thirst. If the Hab breaches, I’ll just kind of explode. If none of those things happen, I’ll eventually run out of food and starve to death.

So yeah. I’m fucked.

This book is syfy in its purest sense, but while it may be science, it didn’t feel like fiction.  It’s based in what feels like our world, just a wee bit in the future. 

This morning, I’m finding it hard to remember that the whole thing wasn’t real.  It’s the diary of a stranded Robinson Crusoe, a botanist-cum-engineer fighting for survival having been left thought dead on the red planet after an exploratory trip by NASA.

The planet’s atmosphere seems malevolently hostile, the inability to create food actively thwarts Mark Watney as he strives for survival.   Yet Watney is not without weapons. The most potent are an engineering degree and a knowledge of science.

This is a book Dr Sheldon Cooper would be proud of – a novelised puzzle, at each turn you question how he’ll manage to bypass the latest setback.  Yet it’s couched within a gripping page-turner, with a strong character you quickly learn to care about.

If you’re short of something to read, I recommend it.   And if you’re not sure, download the sample. The book has a fast start, so you’ll know pretty quickly whether it’s worth the 77p!

Let me know what you think if you do.

Related past blogs:

 

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A warning to FCA boss Martin Wheatley – please don’t screw up the savings market

A warning to FCA boss Martin Wheatley – please don't screw up the savings market

A warning to FCA boss Martin Wheatley – please don't screw up the savings market

I read with horror a BBC news headline yesterday – Financial Conduct Authority (FCA) hints it may act act on ‘teaser’ rates – based on comments by the new regulator, the FCA’s (was the FSA) boss, Martin Wheatley. Thankfully, later in the piece it says he wouldn’t consider an outright ban on teaser rates, just some tinkering. However it still concerns me.

This is all about canning introductory bonus rates on savings products, which are used as bait to draw new customers in. In the past, when interest rates were high, I warned about them, yet with today’s dire interest rates, it needs to be understood they are the ONLY thing allowing savers to earn decent rates.

I have written before on this, see my I disagree with The Sunday Times call to ban bonus rates blog, so let me explain it in a different way this time (this blog has been bashed out at speed so forgive the poor prose).

Why we need bonus rates of interest right now

Getting rid of bonuses assumes ‘non-bonus’ accounts pay consistent rates. Yet all easy-access savings are ‘variable rate’, which means banks can, and do change rates (ie, drop them) willy nilly – not just when the Bank of England moves UK rates – but for their own competitive reasons too. So the idea that it’s only bonus rates that are inconsistent is simply wrong.

There are also many clean rates out there which once started as market-leading deals, but are now dismal at 1% or less.

Now let’s contrast that with an account with an introductory bonus as part of the initial rate – effectively a temporary interest hike to attract new customers.

Take the Cheshire Building Society’s current cash ISA product (see our Top Cash Isas guide for the best rates). It is 2.3% AER with a 1.8% bonus lasting until 31 October 2014. That means it has three advantages over standard variable deals:

  1. A high initial rate

    All the top deals are intro bonus rates, which pay more than non-bonus rates.

  2. We know when the rate will drop

    Unlike non-bonus ‘variable’ accounts where the rate can drop at any time – here we have a defined period of a higher rate – and a date for the diary to ditch and switch. It actually means less monitoring is needed as you have more certainty of knowing when it’s going to go bad.

  3. It acts an an effective minimum rate guarantee

    In some ways, big bonuses like this are the holy grail of savings in a low interest rate environment, as the bonus acts as a 1.8% minimum rate guarantee lasting 18 months. 

In a low interest rate environment, we must accept that keeping savings rates as high as possible needs active aggressive saving. Getting rid of bonus rates won’t change that, it’ll just mean lower rates, needing more work.

I’d love to see a savings environment with more tracker-type rates, which give decent, consistent returns. Sadly, the only ones available right now give awful rates. So in these days of dismal interest, to call for something which risks decreasing the rate available for savers is a dangerous move.

Thoughts?

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Mrs Thatcher’s funeral should set a precedent

Mrs Thatcher's funeral should set a precedent

Mrs Thatcher's funeral should set a precedent

Politics is a tribal game. Like football fans, supporters of each team often position themselves at odds with each other, even when differences can be intangible.

Therefore, when one of our country’s former Prime Ministers dies, that polarisation makes its difficult for our ruling elite to decide the appropriate treatment.

The problem here, what makes a "great Prime Minister", is both intangible and subjective. I am certain many believe Margaret Thatcher was a "great Prime Minister", while many others believe the polar opposite. 

Yet on electoral terms she had a superb record – although of course that’s matched by Tony Blair, so does this guarantee him similar treatment when his time comes?

The true measure of greatness will always end up being decided by history, yet that’s still opaque when so many making the decision knew the individual involved.

If you leave it to politicians, at the time of death, the risk is tribalism gets in the way, and this is no small decision as the taxpayer is spending a reported Β£10 million on the funeral (though a chunk being met by the family).

Indeed, if it went along party lines you’d risk it ending up with something like this…

  Former Tory PM dies Former Labour PM dies
Current Tory government Ceremonial funeral Lesser funeral
Current Labour government Lesser funeral Ceremonial funeral

And that’s before we even get into the idea of inner-party politicking.

So if we as a nation are going to provide a ceremonial funeral for Mrs Thatcher, isn’t it time we set up a precedent? The decision should be codified but can still be discriminatory, just not on party grounds.

It may be that the level of funeral honours is dictated by the number of general elections won – yet at least some guidelines and consistency would take the sting out of a contentious decision at a time of grief for those close to the individual.  

Thoughts?

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I am Tory scum and a rabid socialist

I am Tory scum and a rabid socialist

I am Tory scum and a rabid socialist

Last week, I was accused of being "Tory scum", as well as being a "rabid socialist", on social media. It shows the rather scary tribalism we have in our political system, so I thought it time to set the record straight.

The "rabid socialist" comments came on the back of tweeting that I thought the Philpott case taught us nothing about the benefits system, just about a very nasty man, and that little inference can be drawn from it. There are nasty people on benefits, in work, and who are billionaires – to create policy due to these anomalies is a mistake.

The "Tory scum" comment came because I was defending on Facebook the fact I’d done my TV show about savers, arguing they were real people too. There’d been accusations that telling people about cash Isas meant "you’re helping the rich get richer and should be helping the poor".

I’m not a card-carrying member of any political party. I do hold views (as anyone who’s ever watched me will realise), but in my job role I aim (not always successfully), to steer clear of polemic party loyalty. I agree with various things each party say, and only wish we could have a pick and mix approach.

Over the last year both Wendy, MSE’s campaigns officer, and I have met  and worked with Tory, Labour and Lib Dem MPs (I’ve never been approached by Plaid or SNP) when requested to try to help on consumer issues and policies. Where appropriate, we’ve helped them to get in touch with consumers.

Even better, occasionally you get to work cross-party, such as the brilliant All Party Parliamentary Group on Financial Education, with people such as Justin Tomlinson (Tory) and Nic Dakin (Labour). It shows they can actually work together and do some good without letting party walls get in the way.

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New Rock, Paper, Scissors game – the tennis version

New Rock, Paper, Scissors game – the tennis version

New Rock, Paper, Scissors game – the tennis version

I’ve come up with a twist to the Rock, Paper, Scissors game, which I wanted to share (and before anyone says anything, yes, I am a nerd). In a nutshell, you play the game with tennis scoring and serving rules.

Regular readers of my blog will know my hero, Dr Sheldon Cooper, is a huge fan of the Rock, Paper, Scissors, Lizard, Spock game. My variant is far less complex, but still adds an extra layer into the complexity of this (and takes a lot longer than the normal one-off game too – good for entertaining kids on long car journeys).

I must’ve first come up with this a good 15 years ago or more, but it was only on Sunday while sitting on a train and teaching it to Mrs MSE I thought to blog it (she enjoyed it, but one match was enough for her).

Rock, Paper, Scissors Tennis – the rules

The raw game works as normal, so on a count of three, each of the two players does a sign for either rock, paper or scissors. Scissors beat (cuts) paper, paper beats (wraps round) rock and rock beats (crushes) scissors.

  • It’s scored just like tennis. Each game you alternate who the ‘server’ is. As in tennis, this gives an innate advantage – here it’s the fact that if both players come up with the same thing (eg, two scissors), the server wins. Thus the object is for the non-serving player to attempt to ‘break serve’ (win against the serve).

    If the scoring gets to deuce (at 40-40), then just like tennis you play advantage until one of the players is two clear.

  • Sets are played to three – with tie-breaks at 3-3. While in tennis a set is played to six, I suggest in this you play to three, but you must win by two clear games.

    If you reach 3-3 in games, you play a tie-break, which is the first to seven, but you must be two clear at that point or you play on. 

    Again, just as with tennis, the serving alternates; the first player only serves once, then the opponent twice, from then on it alternates with two each.

In most games (as in close-fought tennis matches) you will end up with the tie-break, and that can be tense.

For those of you still reading, I hope you’ll give it a try and find it a nerdvana of tension. Let me know.

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