This Blog Is to Serious

Time to spice it up a little bit with a new range of posts and renewed inspiration. Watch this space for more stuff.

Why I Didn't Switch To RaboDirect

Today I switched from Westpac to BNZ so I could get a 1.25% higher interest rate on call but why would I want that if RaboDirect offer a much higher on call rate?


In case you don't know RaboDirect is a bank which is operated fully online worldwide. 


Here are my reasons:

• BNZ and Westpac are actual banks with physical outlets that you can touch. While most of the time I will be doing internet banking, its nice to know that I can't meet a real person if I want to.
• I can see what BNZ internet banking looks like. They have videos and pictures and I can see how I would manage my money but with RaboDirect it's just a grey login screen with no tutorials.
• RaboDirect is no longer a AAA bank. Neither is BNZ but it's a reason.
• RaboDirect has bad customer reviews, if you go to the raitings page people are very unhappy about them dropping the interest rate, sure not a big deal but all those 2 star ratings are worrying.
• I can find out much more info with BNZ. I can go online and see exactly what they do and everything about them but with RaboDirect it's just a mystery. It's like going through a black hole. You don't know whats on the other side. Some people like not knowing what is on the other side, but when it comes to banking, I prefer not to have any surprises - unless they're good.

You could also say that BNZ has been in NZ for longer and has a good brand image. This is true, but so does Westpac, I simply like the higher rate of interest for my everyday accounts.

Street Lights - Urban Youth Bible

Street lights bring the idea of getting the bible out to the modern day youth via rapping and hip hop music. They go under the label Humble Beast which believes in giving all their music away for free. This idea has come about because "50 million Americans can not read past the 4th grade level" and "Only 26% of junior highschool students meet the benchmark for reading on the ACT".

I also think its good that the youth (like myself) have the option to know some biblical knowledge and if you can't read then how can you get the message across to the urban youth. Streetlights give the urban youth who can't read the ability to hear the words of god. They are the worlds first audio bible specifically for youth and say it word for word.