Month: March 2013

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Donations needed for march [updated]

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Current status of my debt problems

I hate debt. I really do. After this is over. I am never going to fall into debt again. I have banned my self from ever taking a loan again. Even for an house. Currently I have managed to get my debt under control in Denmark. This means that I can pay an lower amount each month until the debt is over. The first debt that I finish paying up is going to take place in August 2013. The second on in June 2014 if nothing changes. I am only going to change it so I finish sooner. Not the other way around.

As things currently stand. I am going to finish paying off the debt that I need to pay off right now in June 2014. I do still have debt in Denmark. But I am going to pay it up in whole (9000 DKK) once I have paid everything else up. Since this is an danish Kommune loan that I got there and it is interest free for 5 years. At least that I have been told so far.

My debt in Iceland is bigger. But I am now managing it in the way as I now manage all my debt. With my current plan I am going to be finished paying that off in October 2016. I do hope that I can speed those payments up soon as possible. Since this is a overdraft loan and they carry high interest rate.

Current status in general

With my debt in order this should start to get better. However this does not leave me with a lot of live on during the month. But it is still better then what I have had to deal with during the months of January to March 2013. It at least leaves me with something to buy food with during the month. Not a lot, but something. I take something a lot more then nothing any day of the week.

As for March 2013. I have gotten few donations (thank you!). But I am not sure that if it is going to cover all of my food cost this month. But I have prepared for the worst and I am now hoping for the best.
I am also getting my money back from some service that I have now cancelled for good. When that money comes I do not know. I might well have to wait until April until I get it.

Update 1: I now have got repayments from the service I did cancel. This is not a lot of money. But makes the rest of this month a bit easier.

e-Books

I offer anyone how wants an e-book after they have donated to me. But you have to let me know. Some people might not want an e-book from me for there donations. So just drop me a email with the subject line “e-book” and your paypal donation email address if you want an e-book from me for your donations. Thanks!

I am trying to work hard writing books and short stories. But I find it bit hard with all this money issues. It is going to get easier since I have managed to take control of my debt issue.

Google Adsense

I have finally been approved again into Google Adsense. This means some replacement of advertisement. I am still going to have Amazon advertisements on my blog and English part of my webicorder web site. But I can only have it on part of my blogs, since Google Adsense does not support the Icelandic language (I also blog in Icelandic). But this means better income for me again when something happening. What I have learned from is this. Never do something hasty as I sometimes do. I am not going to remove my Google Adsense account again in the future. But I am going to limit it to my English blogs only. Icelandic blogs and webicorder web site are going to remain Amazon advertisement only.

Blog post updated at 08.03.2013 at 15:31 UTC.
Blog post updated at 12.03.2013 at 00:39 UTC.
Blog post updated at 12.03.2013 at 03:47 UTC.

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Deep earthquake swarm in Tungafellsjökull volcano

Today (03.03.2013) between 13:19 UTC and to 13:21 UTC a deep earthquake swarm took place in a volcano named Tungnafellsjökull. This was a minor earthquake swarm, with the largest earthquake having magnitude 1.4. But it is the depth that is important here. The depth was most at 28 km, with the shallowest earthquake having the depth 18.7 km. This suggest magma intrusion into the volcano at depth. A pattern that was seen during the Eyjafjallajökull volcano eruption as an example.

For the past few months. Tungnafellsjökull volcano has been having swarms of earthquakes. All of them small, but many of them above 2.0 in magnitude. But so far none above magnitude 3.0. While earthquake activity has remained low in Tungnafellsjökull volcano I find that events are speeding up there in the past few months. With the terms that more earthquakes are being detected in this volcano and now at more depth. I find this worrying and also interesting. This volcano is far from any populated area, so any damage resulting for an eruption in it should be minimal. It also has no glacier to speak of. There is going to be a bad weather in Iceland until Friday (according to the weather forecast at the moment), so detecting any small earthquakes in this area might be limited by it.

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The red dots show the earthquake activity in Tungnafellsjökull volcano. Copyright of this image belongs to Icelandic Meteorological Office.

It is too early to know what happens in Tungafellsjökull volcano. It is also important to note that Tungnafelljökull volcano has never erupted in historical times. This makes figuring out what happens next in it more difficult then ever. This activity might not mean an eruption is imminent. But at the moment I cannot rule one out just yet. It is clear that more activity is going to be needed before the picture of what is taking place in Tungnafellsjökull volcano gets clearer.

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Interesting earthquake swarm in Katla volcano

There is a interesting earthquake activity taking place in south part of Katla volcano south caldera rim. This activity has been ongoing since in July 2011 after the minor eruption that year. The most logical reason for this earthquake activity is that in this location is a magma dike on the move. If that is actually the case is impossible to know for now. But this activity remains interesting for many reasons.

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Earthquake activity in south Katla volcano caldera rim. This earthquakes are all small earthquakes. Copyright of this image belongs to Icelandic Meteorological Office.

This earthquakes are small. Most of them are on the magnitude range of 0.0 to 0.5. There depth is around 1 km up to 0.1 km (around 100 meters). So whatever is creating this earthquake activity is already shallow up in the crust. I do not know if there is going to be a eruption in this area. That is just a wait and see as always with volcanoes. But it is my estimate that (based on older data) this might mean there is more activity going to take place in Katla volcano soon. But that might fail. Since volcanoes are by nature unpredictable. So there are no assurances about what is going to happen next in Katla volcano.

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Donation needed for March

Update 4: While it is only 5th March. I am seeing into the issue of not being able to buy food this month after my last bill has been paid. Sad but true.

As always I need donations to keep up running in March. My financial issues are improving. Mostly because my debt in Denmark is dropping at rather fast rate. The problem however is that my debt in Iceland is increasing instead. The main reason for this simple. My income from Iceland is small. Both by Icelandic standards and Danish standards. Icelandic Króna and Danish Krone exchange rate (cb.is) also play a role in my problems today.

My debt problem is also a issue when dealing with this little income. As it makes it harder for me to pay everything that I need to pay (even if I do not spend on anything at all). My total income in DKK is just 7.298,60 (today exchange rate), €978,88. This is how it has been for me during the past 3 months (4 months if counting December 2012). With February 2013 being the worst of them all. Where I was about 5500 DKK in bills that I was unable to pay. But I did get a little help from the bank and I got a loan from mom and dad (more debt) to pay the electric bill after asking the electronic company to delay the payment (that did cost me 100 DKK + around 15% interest rate) until 1. March. But I did pay the electric bill in February so that is now finished without any major issues (more debt).

I have cancelled my cable subscription. It was of no use to my and did only cost me money. I have also cancelled my simnet.is account, so anyone using that web address should update there bookmarks. Since the new location of my webicorder web page is this one here.

Update 3: I have managed to get the loans that I have in such way that I now pay lower amount each month over longer period. It is not ideal solution for me. But it is a solution that works. Since I can now pay it and not have any issues with the payment as before. This should apply in full from May, but in part in April. I just have one bill left to pay (hot water, it costs 450 DKK). But once that has been paid. I have nothing else left. No money for food, or at least extremely little money to buy food (I am not sure yet what is going to be left when the time comes). I have taken steps if that is the actual result so I do not starve in the month of March. But this is not going to be easy for me. Far from it.

I have also made up my mind. Never again shall I get into this type of mess. I am going to pay my debt and this is going to be the end of it. I am never going to take a new loan again. This rule is going to be valid for the rest of my life from now on. I am going to finish paying what I owe the bank, the Aabenraa kommune and my mom and dad. Then this is going to be the end of it. I am also going to do my best to increase my income up to a proper level so that I am not having money issues all the time.

Status of March 2013

My current status of March 2013 is that I do not have any money to pay for food. I did manage to pay all the bills by increasing the debt a little (again). But I am not sure if I can do so again in April. Since my bank in Iceland is already higher in debt then I want to have it. I hate this types of issues. I really, really do so.

Amazon advertisements

Amazon advertisements work by sale. Not by click. So if you want to support me via Amazon then you have to buy and ship something too you. Returning something later does not work. Since then it is just deducted away from my sale income at Amazon. I get 5 to 5.50% of every sale. Sometimes I get 10% when there are offers ongoing.

The month of April

The month of April is the last of the big money problem months (according to what I have been seeing. I hope that I am correct). But I am already at the end of what the bank can help me with. At least I do not expect any help from him in April. Since according to my electric bill. The last payment on my washing machine + blu-ray player is going to take place in April. My last payment on my glasses is going to take place in May. The reason for the last payment on the washing machine + blu-ray player is in April is the fact that I seems to be paying quarterly amount every month now. Not just monthly amount as I would expect to happen. Why that is I do not know. But it is creating this issue. While I am paying down my debt faster. It is also creating the issue that I am having problems paying all of my bills and have something to buy food with. Currently I have no money to buy food and I am still having with the bills in April. But if that is the last payment in April. It is clear that April is going to be difficult if I am not able to increase my income.

Update 2: I am hoping to resolve the issue of April by having the amount I have to pay down the loans I have over a bit longer period then they are now. That is the only thing I can do at the moment. I do not expect it to be a problem with the companies in question that I have debt with. At least I hope so.

Update 2b: I did manage to get a better payment on my loans here in Denmark. In all cases the payments are now monthly, not every 2 months as before. This means I now pay lower each month until the payment is over. For the glasses I did buy the payments are now over longer period of time and at the same time lower. This makes things easier for me in the long run. If I have any extra income. I am going to focus it so that I can pay down my debt faster. But my debt (not my bills) is the source of my money problem. This I am going to resolve as I have sad before here on this blog post.

Job searching

I am continuing to search for a job here in Denmark. I am looking for any type of job at jobnet.dk. Be it temporary or permanent one. Anything to increase my income is welcomed by me. Even if it is a hard job for me and takes away me time from writing. That is just how it got to be.

Update 1: I did just apply for a temporary job. It is not a lot. Just weekend job for 2 x 12 hour shifts. I do not know if I get it. But I really hope so. It is not a job that require any special education from the description of it.

Writing books

I have sad that I am going to give people who donate to me ebooks. I am going to keep it. Be that short stories or whole books. But it takes time for me to write those stories. But so far I have finished a re-write of a icelandic story that I did write in the year 2003. The original story was a mess. So it was easier for me to write it up from ground up again. Anyone how has donated in Iceland and reads Icelandic gets this story. When I am finished translating it into English I am going to send it to those how have donated and want ebooks from me. Just let me know in a comment here.

Donations

Donations help me keep this running. Donations also help me keeping my self running since I am on low income at the moment. I do not know if any book sales is going to change that. But at least I hope so. Thank you for the support as always.

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Blog post updated at 02.03.2013 at 03:00 UTC.
Blog post updated at 02.03.2013 at 03:24 UTC.
Blog post updated at 02.03.2013 at 19:30 UTC.
Blog post updated at 04.03.2013 at 16:29 UTC.
Blog post updated at 05.03.2013 at 02:48 UTC.