Monday, 30 September 2013

Monthly Musings: September 2013

01/09/2013 @00:08
"Let us fight to fulfil that promise. Let us fight to free the world, to do away with national barriers, to do away with greed, with hate and intolerance. Let us fight for a world of reason, a world where science and progress will lead to all men's happiness!"


01/09/2013 @11:11
My voice bleeds ink, decorates the fabrics of time with what I think.../
Rorschach stains ingrained in what I'm saying; interpret it however you want -
I won't complain.

01/09/2013 @12:24
"There is no mistake so painful that love cannot forgive. No past so bitter that love cannot accept. And no love so little that we cannot start all over with." - Albert Einstein

01/09/2013 @14:27
Another day out with Captain America... :')

01/09/2013 @18:28
How many other people see a picture on someone's profile and go to "like" it, only to realise they already have done previously? I must do that shit at least once a day.

01/09/2013 @21:40
To be honest, one of the worst things that happens to me these days is when I go to drink my brew and my cups already empty.

02/09/2013 @01:40
After 7hrs of ACR tonight, I daresay I'm back in Animus mode and looking forward to starting on AC3 in the next few days. [feeling carefree]

02/09/2013 @13:06
An example of the simple things in life. You walk into Greggs, query an empty product tray and then smile to yourself as they pass you freshly baked ones out of the oven.
[feeling Easily Pleased]

02/09/2013 @18:08
Dear Mr Scott, we fucked up and didn't tax you correctly so now you owe us £253.20. Soz about that. Lots of love, HM Revenue & Customs xoxo

02/09/2013 @20:41
Requiescat en pace. /ACR

02/09/2013 @22:25
Arctic Monkeys new track, really liking the new material... what you saying @Jon?


02/09/2013 @22:33
Money is a necessary evil, and it's a good job I'm content with a minimalist lifestyle.
[feeling broke]

03/09/2013 @01:29
If you get the big choices right, don't worry too much about the small ones. You are only human, and although it may seem like a big deal right now, trust me it probably isn't. At the end of it all, nobody is going to judge you for making the odd bad decision; life is all about balance and equilibrium. Just stay focused on the important things, you know, the things that truly matter, and you won't go far wrong.

03/09/2013 @08:31
Two consecutive nights I've had dreams where the core theme was pregnancy.

03/09/2013 @12:34
5hrs more in, then 5 days off... roll on half 5!

03/09/2013 @21:03
Jennifer Lawrence... 'nuf said.

03/09/2013 @22:11
Back in the Animus.
[playing Assassins Creed 3]

04/09/2013 @02:52
Thinking of going bed soon, so I've just done the logical thing and made myself a coffee... #goingfullretard

04/09/2013 @03:07
Life is all a game, it's just the genre you choose,
Don't console Mii, I refuse to lose.
1000 point gamerscore, or a platinum trophy.
Respawn once more, no n00b can own me.

[with Alan Caster Tonk]
[http://www.reverbnation.com/anothab/song/16274983-all-a-game]

04/09/2013 @03:27
Off work with no kids tomorrow, so there'll be no alarms either... wonder if my sleep pattern will allow a lie in??

04/09/2013 @10:39
My newsfeed is full of proud parents posting pictures of their children in school uniforms hehe :') - we're getting old!! I hope my lil' 'Son is having a good first day! Looking forward to hearing all about it later!! [feeling proud]

04/09/2013 @14:30
Stone preservation. #2birds

05/09/2013 @00:06
You know when I'm happy and relaxed without a care or concern in the world... my neighbour nearly smashes my door in to ask me turn my music down and stop singing so loud haha...
[feeling amused]

05/09/2013 @04:02
The Animus is shutting down.

05/09/2013 @11:29
Today is looking like being a good day... crawled out of bed at about 11am, received official Court paperwork so I can get myself added to the Birth Certificate, and I'm free to do whatever I like for the rest of the day!
[feeling wonderful]

05/09/2013 @12:07
"I've been surfing through this life on the waves of time, and put it all on the line to define what's mine. Architecture of the future is now my design. The blueprints I refine with shoe prints in my mind. Look for hints and you will find breadcrumbs and signs, Cartography, I'm mapping out construction lines..." #anothab

05/09/2013 @12:43
[playing Wreck-It Ralph]

05/09/2013 @15:39
[playing Assassins Creed 3 really makes me want to watch Pirates of the Caribbean]

05/09/2013 @22:17
If I was Alfie I'd get fired the minute Chantelle tried it on with me... #NikkiRuneckles

05/09/2013 @22:49
Tuneeee! ♥


06/09/2013 @11:24
Today is my "official" birthday, but to be honest - every single time I see my daughter it feels like my birthday. Tomorrow ♥

06/09/2013 @11:42
[recommends The Vicious Kind]

06/09/2013 @11:50
[recommends Cruel Intentions]

06/09/2013 @16:01
Fuck about! :/

07/09/2013 @00:56
I can't wait to see my lil' beautiful Princess in the morning!!
[feeling impatient]

07/09/2013 @15:26
Just had my Princess all to myself for 4hrs and had a lovely time with her... my favourite part was possibly when she decided to spontaneously wee all over us both whilst I was changing her nappy, about 5 minutes before I needed to leave the house to take her back home!
[feeling amused]

08/09/2013 @03:54
Can't wait see my lil soldier tomorrow :)

08/09/2013 @14:45
Here we go again! :')
[with Dawn Wheels Owen and Sheila Scott]

08/09/2013 @15:42
Charchar just asked me: "How can horses scratch their bums when they don't have any hands?" - fair play 'Son, I can't answer that!!
[with Dawn Wheels Owen and Sheila Scott]

08/09/2013 @21:03
I'm floating, it kinda feels like I'm dreaming.../
Walking on clouds high above the glass ceiling.../
At last found freedom far from past feelings.../
High off life... at last I know the meaning.

08/09/2013 @22:35
Awesome weekend to celebrate my birthday - pub Friday night, lil' Princess yesterday, up town last night, and then my lil' Prince today!! Love my life! ♥
[feeling wonderful]

09/09/2013 @13:31
Is it home time yet?
[feeling ceebs]

09/09/2013 @19:00
£39.99 well spent... PS+ subscription renewed until 02/01/15. #birthdayfunds

09/09/2013 @20:36
Fuck off has Breaking Bad just ended like that!? I need to see the next episode RIGHT NOW!
[feeling impatient]

09/09/2013 @21:05
Like a boss.

10/09/2013 @00:29
Wow... so Dexter ended fucked up too, but at least it wasn't a massive cliffhanger!

10/09/2013 @09:13
I feel like an extra on The Walking Dead... I need coffee more than oxygen this morning.

10/09/2013 @22:53
"You wield your blade like a man, but your mouth like a child."

10/09/2013 @23:49
"You're just some blind fool, who's always chasing butterflies. Whereas I'm the type of guy, who likes to have a beer in one hand, and a titty in the other."

11/09/2013 @02:35
Well, my bed isn't going to starfish in itself.

11/09/2013 @21:38
Just heard about my mukka @Liam Dann, it seems 4 lads assaulted him up Hanley outside Subway on Saturday night and broke his jaw in two places, and there is no witnesses or evidence?? C'mon people, someone must have seen something?
[http://www.thisisstaffordshire.co.uk/Man-remains-hospital-late-night-Hanley-assault/story-19781255-detail/story.html]

11/09/2013 @22:48
Well, the opening episode of the new series of Sons of Anarchy pulled no punches! Jesus! Go hard or go home much? Almost 17 minutes before the opening credits even ran, and then a further 45 minutes of absolute ruthlessness!!

11/09/2013 @23:39
Now we're nothing more than the fractures and cracks,
That spread far and fast like scars across our past.
We smashed the hourglass, now at last you grasp the facts.
And accept my contribution to the future we'll enact.

11/09/2013 @23:45
For those who haven't realised yet, I write and record my own music. Please listen, like and share!! [http://www.reverbnation.com/anothab/song/18423256-incomplete]

12/09/2013 @00:31
Very few people these days can hold mature and deep conversations. Say what you like, I'm thankful to have people in my life who I can connect with on a higher level.
[feeling grateful]

12/09/2013 @09:22
"You are the last of the ladies.../
You are the one who can save me.../
You are, you are, you are."

#Courteeners

12/09/2013 @19:45
Haha you chicken box prickkkk!

12/09/2013 @21:30
"I'm scared to let my little baby grow up in this big world."

13/09/2013 @00:12
Off to bed smiling, because I know it's almost the weekend... Ily&Char♥

13/09/2013 @08:32
Unfortunately I won't be coming to work today... my bed has taken me hostage.

13/09/2013 @13:33
Hope my mates operation goes okay today! Get better soon kidder!

13/09/2013 @19:19
"Shining like a diamond in the darkness of the sky... I stellify."

13/09/2013 @19:52
Decided to make a new playlist... it's taken over an hour and ended up with 1,370 songs.

13/09/2013 @23:49
I delay eating for so long that I end up not bothering.

14/09/2013 @00:46
Going to bed with a smile on my face that seems too big for my head... because when I wake up, it'll be Daddy & Daughter time once more! :') ♥

14/09/2013 @08:54
Waking up fresh on Saturday mornings is the best!
[feeling fresh]

14/09/2013 @14:26
Just dropped my lil' Princess back off at her Mum's, and I miss her already!! Had an amazing time with her again... she was worth every tear and all the stress over the last couple of years! :') ♥

14/09/2013 @17:40
Beer & football... :)
[with Terry Scott at White Horse]

15/09/2013 @00:11
Am I the only one who sees the beautiful natural brunette beside the fake blonde with a face constructed of cheap makeup?

15/09/2013 @01:24
I'm probably the only guy who goes out drinking and spends most of the night looking at photos of his children x

15/09/2013 @18:46
Under scrutiny, denied the opportunity,
but still remained in the shadows patiently and dutifully.../
Beautifully I bit my tongue and I waited,
until the day came that I had anticipated.

[http://www.reverbnation.com/anothab/song/18605911-met-her-for-metaphor]

15/09/2013 @19:42
Madness hearing this now after everything that's happened, I can hardly believe my little Princess is going to be 1 next month! Where does the time go?


15/09/2013 @20:10
Is it appropriate for my ex's new fella who she has been with for 9 weeks having a photo of my daughter as his Whatsapp picture, and introducing her as his stepdaughter? Discuss.

15/09/2013 @21:36
Proud to know this lad, and be able to call him a mate!

16/09/2013 @13:32
Aerial has fallen off my roof, the smoke alarm is beeping, the lightbulb in my living room has blown, my lighter won't work... but you ain't gonna break me, woosah! Just submitted the application to re-register my daughter's birth to have my details on the Birth Certificate, and I'm smiling. #firstworldproblems
[feeling defiant]

16/09/2013 @18:32
Got home from a day of work, done the dishes, changed the battery in the smoke alarm, changed the lightbulb, and now I can sit down with a brew & some fruit without a care in the world :)

16/09/2013 @20:19
The darkness suffocates inside of my head,
my nightmares escalate and demonstrate why fears are fed.../
I hyperventilate, and speculate I belong with the dead,
but I'm a Hydra, a survivor, I get stronger instead.../
OFF WITH MY HEAD!

17/09/2013 @1:21:30am
I have a job, and common sense, so GTA5 will wait until tomorrow in my world. #reluctant

17/09/2013 @08:12
So... anybody completed GTA 5 yet?

17/09/2013 @10:40
Good Jesus, what is Playstation trying to do to me?! I'm currently smashing Assassins Creed 3 up and intend on finishing it, I should be getting GTA5 later today, and now I find out the PS+ free game next month is Far Cry 3!! I foresee a lot of time spent with just me and my PS3 over the coming months... recluse mode enabled.

17/09/2013 @18:21
And in another brilliant example of why my brother is the best, I have come home from a long day at work, and GTAV is already here waiting for me. Love you bro!
[feeling lucky with Terry Scott]

17/09/2013 @22:39
Note to self, pedalling off the top of Mount Chiliad on a BMX doesn't end well. Neither does driving into Fort Zancudo and attempting to fly off in a P-996 Lazer fighter jet... #gta5

18/09/2013 @00:00
I'm not stoned. Completely. Completely not stoned. I'm straight. Completely straight. I can do anything. I could be a brain surgeon. Brain surgery, yeah I could do that. I should have been a brain surgeon.

18/09/2013 @09:01
"I refuse to be concerned with condescending advice.../
Cause I'm the only motherfucker who can change my life."

18/09/2013 @17:39
Exactly a month today is my lil' Princesses first birthday... madness!

18/09/2013 @20:56
"Hold the person that you love closely if they're next to you.../
The one you love; not the person that'll simply have sex with you."

18/09/2013 @21:43
I guess I'm kinda broke beneath the surface.../
Shattered parts, that mattered before the worst hit.

18/09/2013 @22:46
"Are we just one more stop for the hands of time?
Or here with a reason and man divine?"

18/09/2013 @23:02
Been so preoccupied taking strife within my stride,
that it dominates my mind and intoxicates my sight./
It complicates my life, but I compensate inside;
it confiscates my rights, but I concentrate and fight./
I postulate it might, provide the oxygen to write.

[with Tu Ben Ngo]

18/09/2013 @23:33
I'll keep twisting the blade.../
Life gave me lemons but I made a grenade.../
Laid them lemons to rest in a mess of a grave.../
Along with the best of mistakes that I made.

19/09/2013 @00:01
I've had my fair share of the worst pain.../
Yet it hurt worse witnessing you're world change.../
You've always been gold through the cursed rain.../
So I can't forgive the soul who deserves blame.

19/09/2013 @01:14
I really enjoy deep philosophical chats with people who are emotionally mature and conscious. It is natural progression that such people transcend the ignorance and connect on a higher level every time they converse.
[with Christopher Downs and Sylvester Sylvester]

19/09/2013 @01:33
It is unnatural for people to hate, and to want anything less than the best for the people in their life. When our focuses and goals are aligned, we can combine to build a better future for the next generation. Ignorance is our greatest burden, and empathy is our greatest gift. Weak people seek affirmation by bringing down the people around them; strong people seek to make other people strong, and to unite the world in harmonious equilibrium. If we can focus on a common goal, progression is inevitable. United we will stand, divided we shall fall.

19/09/2013 @08:59
Life is unfair, and karma is a fallacy. The sooner we accept these unfortunate facts, the sooner we can proactively better our living conditions. You get out of life what you put in; we reap what we sow.

19/09/2013 @13:41
"No man has ever risen to the real stature of spiritual manhood until he has found that it is finer to serve somebody else than it is to serve himself." – Woodrow Wilson

19/09/2013 @18:06
Rest in peace to Hiroshi Yamauchi, one of the most influential people ever to honour the computer games industry. I sincerely have genuine respect for this legend.

19/09/2013 @18:45
Ironic how the people who are so quick to put you through Hell with no remorse, are the very same people who then expect you to still do favours for them. Not this time.

19/09/2013 @21:54
"Pessimism is an emotion, not a philosophy."

19/09/2013 @22:21
"I am content to die for my beliefs, so cut off my head and make me a martyr. The people will always remember it."

19/09/2013 @23:33
I tried but I could not stem the blood loss,
so I stayed by your side until the flood stopped.../
The thoughts that you hide slowly unlocked,
and your words cut me deep just like gunshots.

[http://www.reverbnation.com/anothab/song/18648178-pray-for-you]

20/09/2013 @00:18
The best remedy for a cold house is a hot bath... #relaxed

20/09/2013 @09:13
You can tell colleges etc are back, public transport & traffic have been horrendous this week.

20/09/2013 @13:32
 Some peoples attitudes are ridiculous... just been verbally savaged in KFC by some random bint who went nuclear because I made a passive comment agreeing with her! #putyourtamponbackup

20/09/2013 @18:41
Life creates problems and challenges to test our strength and perseverance, and in the face of adversity we must rise to the occasion and achieve victory by whatever means necessary. The ends will always justify the means if the cause is righteous.

20/09/2013 @19:34
One of a gamers biggest dilemmas is having a new game to play when you haven't finished the last game yet. GTA V is staring at me, but I'm 80% through AC3.

20/09/2013 @09:40
"I would rather have had one breath of her hair... one kiss of her mouth... one touch of her hand... than an eternity without it. One..." [watching City of Angels]

20/09/2013 @23:19
I don't play computer games. I destroy them.

21/09/2013 @01:29
Casual 14 trophies earned whilst tying up AC3... now bed ready for seeing my lil' Princess in the morning!
[feeling amazing]

21/09/2013 @09:24
Outside the weather is miserable, but inside me the sun in shining defiantly... Daddy is on the way to fetch his lil' beautiful bundle of perfection... :') ♥

21/09/2013 @16:33
Parting is such sweet sorrow... hope my lil Princess has a nice time next weekend wherever her Mummy is taking her... roll on a fortnight so I can see her again - for both Sat & Sun!! :') ♥

21/09/2013 @20:57
"Ignoring the insults, and evil eyes.../
I feed off of 'em; I wonder when she'll realise?"

21/09/2013 @22:31
"I have to believe that when things are bad, I can change them."

21/09/2013 @23:30
In life there are no second chances, there are no recounts, there are no replays... so give it everything you've got, and when you've got nothing left to give, when you've used up everything you have, every last piece of you... focus on whatever you hold dear, and give it even more. Be the best that you can be, nobody could ask for anything more. YOLO doesn't mean live like nothing matters, it means live like everything matters.

22/09/2013 @02:40
"Isn't that when you slept on the pool table Andy? Yeah for six hours? Thank you flaming sambuca. Remember when you woke up, we said you'd been asleep for a year and that it was 1991, and you freaked out and punched a clock?!"
[watching The World's End]

22/09/2013 @12:11
Nothing like waking up to 11 missed calls, 4 text messages, 2 Whatsapp messages, 8 Facebook notifications, 9 Instagram notifications & 6 Snapchats make you feel popular!!

22/09/2013 @23:27
"Fear is not real. The only place that fear can exist is in our thoughts of the future. It is a product of our imagination, causing us to fear things that do not at present, and may not ever exist. That is near insanity. Do not misunderstand me danger is very real, but fear is a choice."
[watching After Earth]

23/09/2013 @01:19
If something is truly important to me, the only thing that could ever stop me fighting for it is death. And even then it's not a guarantee.

23/09/2013 @08:44
If you don't need a coffee when you wake up, you aren't human.

23/09/2013 @09:27
"It's a rhythmic reality; a remedy through riddles.
Where love's a hurricane, and you meet me in the middle."

23/09/2013 @12:43
"It's the past love still cooking inside,
it's the warm fuzzy feeling when I look in her eyes."

23/09/2013 @17:59
I've never been a fan of working Monday mornings, or Friday afternoons... so this afternoon I've submitted 18 holiday requests so that I don't have to work any of them for the next nine weeks. Yes, you read that right the first time.

23/09/2013 @18:31
SPOILER ALERT Why are you even still reading this?!

23/09/2013 @20:52
"Failure is the most readily available option at all times, but it's a choice. You can choose to fail or you can choose to succeed." - Chael Sonnen

24/09/2013 @09:02
"Real magic isn't cards tricks, big cribs and cars, bitch.../
It's making something outta nothing through this hardship!"

24/09/2013 @21:13
"Life isn't worth living, unless it is lived for someone else." - Albert Einstein

25/09/2013 @09:06
"I caught the fresh force; I hopped and leapt forth.../
So check it mate, I'm the pawn that crossed the chessboard."

25/09/2013 @13:47
Happily a single pringle!

25/09/2013 @22:11
"From the Heaven I have, to the Hell I been through.../
I'm always coming back home to you."

26/09/2013 @00:19
Sometimes, I fucking hate being OP.
[with Christopher Downs]

26/09/2013 @08:46
Well... this is a welcome surprise.
[feeling fresh]

26/09/2013 @13:31
I don't know how I used to cope without hour long lunch breaks.

26/09/2013 @19:15
"Like nothing really matters... like pain doesn't hurt.../
You should mean more to me by now than just heartbreak in a short skirt."

26/09/2013 @19:22
"I want to dance... I want to dance.../
I want lust, and love, and a smattering of romance..."


26/09/2013 @09:03
It's slowly sinking in that I'm not seeing my lil' Princess this weekend... and now I'm really missing her.
[feeling alone]

26/09/2013 @22:08
The story of the night my daughter was born :') ♥
[https://soundcloud.com/anothab/supreme]

26/09/2013 @22:20
Hahaha! What a retard!


26/09/2013 @22:57
You deserve better, 'cause I'm far too broken.../
It hurts, but you've never heard truer words spoken.

27/09/2013 @00:33
"Music is my first love, it will always be my last."

27/09/2013 @13:31
This could get interesting! I sleep nude! ;) haha

27/09/2013 @13:32
Is it home time yet? I'm sure there's a pint with my name on it at the Moorland!
[with Christopher Downs]

27/09/2013 @17:08
If anybody else uses LinkedIn for their business profiles, feel free to request me on there.
[http://uk.linkedin.com/pub/ben-scott/16/a83/a08]

27/09/2013 @18:36
Quality vs. quantity... sometimes it isn't an easy choice.

27/09/2013 @19:50
If you're on Android, be aware of this nifty tool... if you lose your phone, you can make it ring full volume for 5 minutes until you locate it... if someone nicks it or you leave it lying about, you can remotely change your password, lock screen or even wipe all your data from it. Definitely worth bookmarking! ;)
[https://www.google.com/android/devicemanager]

27/09/2013 @19:57
"I don't care... I LOVE IT!"

27/09/2013 @22:41
I didn't realise until tonight that Friday night at the Moorland was nappy night haha!
[with Christopher Downs at Moorland Inn]

28/09/2013 @01:48
"When can I see you again?"

28/09/2013 @14:52
"Imagination is more important than knowledge.
Knowledge is limited. Imagination encircles the world."

- Albert Einstein

28/09/2013 @16:25
"I've been looking for my Mrs. Right, but she don't exist.../
Chemistry is everything, and we're anything but this."

28/09/2013 @16:49
Looking through old pictures feeling nostalgic, remembering all the people I've met, places I've been and experiences I've had. Life changes so much, and we're so busy being caught up in the moment, we don't even realise it.

28/09/2013 @17:06
Just found an old recording of me & Switch (aka Micky Rawlinson) drunk freestyling a few years ago haha.
[http://www.reverbnation.com/anothab/song/18728299-freestyle-ft-switch]

28/09/2013 @19:16
I've got a bit of cash, a free house, and no plans for the night. This could go one of two ways... what's everybody up to?
[feeling mischievous]

28/09/2013 @20:15
Cheeky beverage, considering Hanley duck! Hopefully wake up in a hedge tomorrow morning! #jk
[with Lorna Ector and Rob Cooper at Moorland Inn]

28/09/2013 @22:37
Bolt.
[with Lorna Ector and Rob Cooper at The Reginald Mitchell - Wetherspoons]

28/09/2013 @23:19
[with Sophie Hand and Steph Hand at Chicago Hanley]

29/09/2013 @00:12
Amongst it...
[with Sophie Hand and Steph Hand at Revolutions Vodka Bar]

29/09/2013 @09:24
Just woke up feeling rough and confused!
[at In a Hedge]

29/09/2013 @11:53
I missed my daughter yesterday, but I'm still smiling... cause I get to see my son soon!
[feeling lucky]

29/09/2013 @21:56
"The first time you fall in love, it changes you forever and no matter how hard you try... that feeling just never goes away."

30/09/2013 @12:23
I am so blessed to have such beautiful amazing children in my life, they keep me eternally focused on what's really important, remind me what it means to love unconditionally, and give me a sense of pride that I've never known before. They make me a better man, and just genuinely complete me. Daddy loves you Ilysha & Charlie, you pair are my everything and more... ♥
[feeling blessed]

30/09/2013 @10:34
"I don't need too much, I just want to make my kids proud.../
Wishing that their life could stay as simple as it is now."

30/09/2013 @18:28
#BrBa

30/09/2013 @20:00
And every time I see you again, I remember it all like it was just yesterday.

30/09/2013 @21:33
I've always looked for love in all the wrong places, seeking broken spirits that I hoped I could save. I felt that was all I needed, because if I could fix a broken heart then my life would have served a purpose. If I could be the reason one girl smiled in the morning, then I couldn't be that bad of a person. I guess I used love as affirmation of who I was - I wielded it as a sword to protect me from my own darkest emotions, and as a shield to comfort me when I disliked my own reflection. I believe that only a girl as broken as me could ever understand me, or appreciate me - that only someone as damaged as I am could relate, accept or empathise. I have surrendered trying to be the hero, I have discarded my sword and shield - I know now that I am far too damaged to save anybody else since it took every ounce of strength I had just to save myself. Boredom and loneliness are the worst reasons for a relationship and yet I realise now, these are the main reasons we naively seek love. We see the world around us, the illusion of every other happy couple, and moreover the fairytales that Hollywood spoonfeeds us - and we yearn to experience this magic, seeking it so relentlessly we mistake lust, or convince ourselves of it's presence. I miss the memory of love, but in a world where memories are rose tinted, reality is forever doomed to falter to expectations. Love is a dream, but sooner or later, we all wake up. I'll settle for my memories.

Wednesday, 18 September 2013

Cracking the Schemes Market

Schemes Overview

A scheme is a tailor fitted (often bespoke) insurance and risk management solution. A successful scheme is focused and targeted around a particular niche (whether trade/sector/affinity), who share a common coverage requirement.

There are two approaches to creating a new scheme; either creating a product that focuses on an existing client base, alternatively creating a product for an entirely new sector. There are advantages to both approaches.

Creating a product for an existing client base will ensure you already have a generic knowledge of the demographic, established contacts within their sector, and awareness of their demands and requirements. This experience will contribute to aligning yourself with the customer and understanding how to reach them with marketing, and how to appeal to them, and cater to their requirements with the coverage you offer. Such schemes are usually the most successful, and are often born from an environmental/lifestyle/legislation change that creates a new avenue to explore, with the opportunity for a new niche product. Your product will need to be specialist and unique to the selected sector; this could even be specifically for a particular geographical region. Ideally you will have a really good understanding and passion about the selected industry sector, the subject matter, and the class of business. Understanding the chosen industry, combined with strong product knowledge will always help to sell a scheme; being immersed in the subject matter will ensure a greater appreciation for customer needs, as you will react and empathise with how your audience will. Such schemes that are born from hobbies often succeed (for example sports clubs or collectibles), as the broker can market to the client suitably, and understand the needs and requirements of the product. In essence, the broker can identify as a user. If you look into your book of existing business, you may identify a natural niche/affinity within your portfolio that you specialise in; if you can find something you already convert well and then develop it further, you will already hold statistics, expertise and invaluable relationships to assist in your success.

Creating a product for an entirely new sector will require generic knowledge of the demographic, and a basic understanding of how to reach them with marketing choices. Research is of the utmost importance as you will need to develop a concept through to fruition – when there is no established book of business, your scheme will need to define the demographics requirements, and ideally progress to holding the dominant market share for the foreseeable future.


Regardless of approach, the insurer you pitch the scheme to will need reassurances before they will agree to proceed. Longevity is paramount, and also the scheme needs to be profitable; you need to ensure that you have enough mass to cover loss ratios for margin perspectives. You will be expected to explain why you can market the scheme better than other brokers. You will be expected to understand the sector and how the product will evolve and develop in line with industry progressions in the future, and what impact these changes will have on the client’s needs and requirements. If you have no prior experience with schemes or combined operating ratios, an insurer will want to see a good track record and the ability to deliver profitable results in other areas. Credibility and reputation are invaluable when an insurer considers entering into a scheme related partnership with a broker. You will need to understand specific cover features, research your demographic thoroughly via surveys/emails/conversations, and have access to financials for existing schemes, previous successes, rather than just claim statistics or profit shares figures.

Trade Associations

It is possible to successfully pursue a scheme proposal without the backing of a trade association; that doesn’t mean however that it’s a good idea. Some trade associations will be apathetic and will decline to assist you in your venture, yet the ability still exists for negotiating with insurers.

Having the support of a trade association is definitely a great method for accessing the market, however be aware that not all trade associations are equal. Pick your trade association as carefully as your choose your insurer, as some will engage well, add value and understand the benefits that you can provide; whereas others will add very little to your cause, and simply collect subs annually. Many industries will also have more than one trade association, so approach the competitors if your primary choice declines to assist. Always consider that a trade association that you approach could already have existing affiliations with another broker. Also, remember; just by having a trade association in your corner does not mean you have a marketable affinity or scheme.

You can always choose to chase a market without the backing of a trade association; you can carry out your own market research, attend related events and seminars, and gain insightful feedback from customers. This can sometimes be the best acid test for gauging whether the coverage you are offering will align with your demographics needs. Be aware however, without a trade association backing you, your credibility and distribution may suffer so you will need to counter this through other methods and avenues.

Insurers

The best way to choose an insurer partner is by aligning your objectives with theirs; it also helps if you have an existing relationship with them, and preferably a strong security rating. An insurer will require reassurances before committing to a partnership; they will want to see a well-researched, planned and marketable proposal. An insurer will need to see that you can provide good quality capacity, projections and estimations of profitability, and volume.

Can the insurer provide exclusive arrangements or bespoke coverage to prevent easy replication at other brokers? There is no point relying on premium to sell the scheme, as prices can be matched and challenged by holding brokers. Will the insurer’s current appetite for your scheme expand in proportion to the product if the environment evolves and diversifies? Will the insurer still be able and willing to accommodate the risks you seek to write if the sector or industry sees major changes that affect the demands and needs of the client? How much flexibility can the insurer offer? There will always be referral points regardless of how well defined a scheme is.

The broker/insurer relationship needs to be mutually aligned; where a broker will appreciate access to a dedicated underwriting team who understand the sector, the scheme, and the development of them both; the insurer will appreciate good communication between Business Development Managers and key staff members within the operations of the scheme. Both parties need to understand the scheme in preparation for environment changes that require the product to develop and evolve; the implementing of a scheme should not be seen as a quick fix, but rather a mutually beneficial investment in the future of the sector.

An insurer is likely to be very formal about the partnership. There is often formal delegated authority agreements, various standard or adapted business models for complaints, claims, service level agreements, profit, commission, and underwriting referrals. Pitching your idea to an insurer does not generally mean sitting across the table. It is common now for brokers to make initial propositions over the phone to explain the scheme, background context, broker information and alignment with the insurer. Expanding on the initial pitch, the broker will often be expected to demonstrate knowledge of the sector and demographic including defining the clients current demands and needs and how you have identified these, awareness of sustainability in a diversifying market, foresight of evolving opportunities and future projections, and providing financial estimates such as targets, statistics, current book and figures, alongside volume and capacity. The insurer will hope to see consideration for how the sector will react, especially within their own markets as a consumer, and that marketing solutions support long term common goals that align with projected profit margins.

Be aware that environment changes can render a scheme unsustainable. In the event that the landscape changes during the life of the scheme, it is important to be transparent with your insurer partner and address issues as they arise. To ensure continued goal alignment and measurable targets, you will need to recognise failures and remain realistic about the income projections. You need to establish precisely where the business will be written, and often income projections are halved to provide a fail-safe estimate as a minimum commitment.

A broker will also need to explain how they plan to compete with other brokers within this niche and clearly explain what unique coverage they are looking to offer that will make the scheme specialist. Some insurers will press more into the depth of your proposal even so far as querying marketing planning, budget, approach and reach; you will need to ensure you have fully investigated how your target demographic seeks information within the sector, whether it’s traditional advertising, digital media, or an amalgamation of the two. If you have any previous experience within the schemes market, be prepared to discuss your successes, loss ratios, and related statistics work to help enforce your credibility and reputation.

It can seem a daunting prospect achieving credibility with an insurer. Primarily ensure your scheme is well researched, and not just an ambiguous idea; demonstrating a clear understanding of the product, demographic and sector, alongside identifying a unique selling proposition to stop the holding market defending on price is a sure fire way to garner reputation. If you show a natural affinity and passion for the industry, and can present a valid argument why loss ratios will be better with yourself than on an open market, you are likely to score highly with the insurer. Also remember that setup costs for a specialist scheme are not cheap, and this will likely influence an insurer’s willingness to commit; if you are expecting them to invest resources into assisting you, then you will need to be guaranteeing ROI. Discussing the sharing of costs upfront can strengthen the relationship if you can reassure the insurer they are not going to be burdened with all the financial outlay, although there will likely be marketing support as the insurer’s resources are greater.

Having your scheme accepted by an insurer can feel like a victory in itself; however you will often be expected to wait 3/6 months for delivery, depending on the insurer you chose and the complexity of the product you have defined. If you are asking for an exclusive rate or feature, this will require internal referrals and will likely prolong delivery even further. Once established, the trust can begin to grow; initially the underwriter will wish to have control over any undefined decision on a referral basis, although this tends to fade as the partnership and scheme flourishes. An insurer will look to delegate authority once they feel comfortable with your expertise and professionalism and allow you greater flexibility over the business you write, whilst streamlining the referral process.

This is by no means a clear cut guide for achieving success in the schemes market, but hopefully this insight will help you to find your feet when stepping out into the big, scary world of specialist and niche product sectors.

Saturday, 14 September 2013

Love

I’ve always looked for love in all the wrong places, seeking broken spirits that I hoped I could save. I felt that was all I needed, because if I could fix a broken heart then my life would have served a purpose. If I could be the reason one girl smiled in the morning, then I couldn’t be that bad of a person.

I guess I used love as affirmation of who I was - I wielded it as a sword to protect me from my own darkest emotions, and as a shield to comfort me when I disliked my own reflection. I believe that only a girl as broken as me could ever understand me, or appreciate me - that only someone as damaged as I am could relate, accept or empathise.

I have surrendered trying to be the hero, I have discarded my sword and shield - I know now that I am far too damaged to save anybody else since it took every ounce of strength I had just to save myself.

Boredom and loneliness are the worst reasons for a relationship and yet I realise now, these are the main reasons we naively seek love. We see the world around us, the illusion of every other happy couple, and moreover the fairy tales that Hollywood spoon feeds us - and we yearn to experience this magic, seeking it so relentlessly we mistake lust, or convince ourselves of it’s presence.

I miss the memory of love, but in a world where memories are rose tinted, reality is forever doomed to falter to expectations.

Love is a dream, but sooner or later, we all wake up.

I’ll settle for my memories.

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