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Posts Tagged ‘patterns’

Developing Voting Habits

May 11th, 2009

There is something very interesting about being a Canadian in the UK during voting season.

As a citizen of a Commonwealth country, I am basically on-par with other non-EU residents in terms of most UK rights and responsibilities with one exception: voting. Canadians (and other Commonwealth citizens) who are UK residents have full voting rights — which is something even EU citizens cannot claim. In June, the UK goes to the polls in a MEP vote — that’s “Member of European Parliament” for you outsiders in the crowd — to determine who represents the country in the EU.

I, of course, need to figure out who is running and how to vote.

Paying attention to politics in this manner — that of a voting member of the public — in a foreign country is odd, as it gives insights into the way people’s minds work in terms of making voting decisions. For instance, approaching a vote where I know nothing about the people up for election or issues involved — in Canada — my likely vote can be easily broken down as follows:
european_parliament
NDP – 75% likely
Liberal – 20% likely
Green – 5% likely
Conservatives – 0% likely

This is because my view of each of the parties is well-entrenched. I had a party-based opinion established well before I was old enough to vote, and in every election bar one I have followed that pre-determined position … and, in that one election, it required something that basically slapped me in the face to vote differently.

In short, the research I do prior to a vote in Canada is done to rationalize the uninformed choice I have made — it is not done to inform a choice I wish to make.

Turnover amongst the political ranks means that not everybody is as entrenched as I am, of course, but not as much as you might think. Political battles in the United States have become less about attracting undecided voters and more about fighting apathy amongst those members of the voting public most likely to cast their vote in your favour.

Here in Britain, there is a three-or-four party situation much like Canada. There is the Labour party, who match fairly closely with the Canadian Liberals. Both countries have Conservative parties. Each has a third party with enough popularity to make its voice heard, but not enough to threaten to form a government (NDP and Liberal Democrats). Finally, there is the separatist party for each country — the Bloc Quebecois in Canada and the Scottish National Party in Britain.

Of course, then things get muddled. The British Conservatives are not nearly as scary as the Canadian version to somebody who is socially liberal, like myself. The Labour party is often to the right of the Conservative party, but has unionist roots much like the Canadian NDP. Canada’s BQ holds much more power than the Scottish National Party does.

In short, upon examination, I cannot just fall back upon my established voting habits and ignore the issues the way I might in Canada. Not that I would want to, now that I have identified that problem.

Choosing who to vote for is difficult, however — the politicians do not want to tell you anything. Let’s look at how the NDP (my party of choice) would court votes in Canada:

For starters, the NDP never really had to court me – I would vote for them if they did not screw up. They were “my” party. So when an election rolled around, their job was to:
1. Make sure I was caring enough to go out and vote;
2. Try not to embarrass themselves (as then I might not vote, or might vote for someone else);
3. Try to pick up some Liberal voters by pointing out how they are drifting to the right (as the left is pretty well covered for the Liberal party) and differentiating themselves on a populist issue or two … without alienating people like me.
4. Hold off similar moves from the Green party who normally vote NDP based upon their environmental stance.

The trouble is that nothing in the above involves dealing with serious issues, or tackling questions such as: Were you to win, how would you govern? These are the things that might actually help us to decide who to vote for.

All of this is clear now, as a voter who always exercises their right to do so but is somehow completely unaware of the real records of the parties and politicians he has to chose between. The dance described above is incredibly visible to the interested outsider, even during times like these when statements about some important issues cannot be dodged in favour of those niches where inroads can be made.

It’s a sad dance, though — one that makes me understand those who do not bother to dance along.

(Photo © Central Audio-visual Library of the European Commission)

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Learning from my patterns

February 9th, 2009

money_rollMy financial life has discernible patterns to it. Luckily for me, I feel that I’m learning from these patterns. Does this mean that I’m a learner? That I continue to grow as a person? That I’m lucky? Introspective? A role model for others?

Probably not, but I’ll tell you my story.

My financial life has a tendency to follow its own little boom/bust cycle: I gain a bit of financial stability, I become overconfident in my financial situation, I become overextended, and finally I give myself a financial correction.

It happened first in university, when I was first exposed to credit: I built up some credit card bills, couldn’t pay them, and eventually had to retire them. University ended with no credit card debt (though plenty of student loan debt), and me making enough money to cover all my non-tuition expenses.

Did I learn a lesson? Apparently not.

Once I had my first job (and a new, much larger credit limit) I pushed to the limit again, ending up with maxed out credit cards, et cetera. Again, I went on a behaviour-changing spree. And, a few years later, I once again owed nothing (other than the amount remaining on student loans). And this time I did learn my lesson.

Or so I thought. Everything was under control for a couple of years … and then I picked up and moved to London. In doing so, I knew that I could conceivably end up in a similar situation. It is, after all, a bit of a risk to move to a new country without a job. Still, I had saved, and I was sure that my savings could last long enough to get a new job.

I was wrong — London is expensive, and getting a job took three times as long as I had hoped. Despite being thrifty, I was pretty much at my limit (again) by the time I found work. So I went through the process yet again, and stabilised my situation shortly after getting an income. I thought everything was going well … and then inflation seemed to be outpacing my salary rises, and I got worried. My savings had been burned through, and the new debt only partly paid off.

Luck, coincidence or hard work, this is when my current job and flat came along. Expenses went down, income went up, and once again the credit card debts were evaporating and savings were appearing. All was right with the world.

But in retrospect, life in London seems to be a new pattern of booms and busts, in miniature. I suppose probably everybody gets them, but I was getting increasingly worried.

And today? Back to a mini-bust. For the second month running I have been slammed by a big credit card bill. Last month was Christmas. This month is post-Christmas furniture shopping. Two months in a row where I have missed my savings target in order to pay off my credit card bill. And February will be the first month since I started the new job where I’m ending the month with less in the bank than I started it with.

But I think I’ve learned my lesson. There is no debt building up. Instead of rationalising my decreased bank balance, or letting a credit card balance stick around for a month, I am tightening my belt.

I expect it will work. The last couple of months are a direct result of specific one-time (or, in the case of Christmas, annual) spending. And I’m not doing this to simply stabilise my financial situation like in crises past, or to pay down credit cards. I am doing it to put the extra money into my savings account which I would normally have expected to have put in (but didn’t) over the course of January and February.

In short, I think I might have grown up.

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