Category Archives: Finance

November 19, 2020 · 21:17

Citizens of Jahannam

Yes, the bulk of us transgressed to a new village, a new town, optionally a city. We all moved to the city of Jahannam, we enabled the politicians who diverted the laws that enabled the corporations. And as Eve spoke to the guy on her needs of an apple product, she stated, yes that would be nice. So he got her a iPhone 7 SE (Swedish edition) and to make sure that it would last longer, the maker of Apple products slowed the battery down, to enable it to be older. Does it sound familiar? The story (at https://www.bbc.com/news/technology-54996601), give us ‘Apple to pay $113m to settle iPhone ‘batterygate’’, basically it took 76,000 victims to break even. Yet the news gives us “Millions of people were affected when the models of iPhone 6 and 7 and SE were slowed down in 2016 in a scandal that was dubbed batterygate”, and as such we see the first part, the second part is seen in the Verge who gave us “11 million customers that didn’t need to buy a new iPhone”, you still think that crime does not pay? Yes, there will be all kinds of noise that there wee more cases, more settlements, but all that money is TAX DEDUCTIBLE, as such we get to see a larger stage and it is high time that the people involved get the limelight. When we consider “Any legal fees or court costs incurred will be deductible as well as the cost of resolving the suit, whether the company pays damages to the plaintiff or agrees to settle the dispute”, So this is how you get to become a trillion dollar company, you set the stage in one direction, and as long as it cannot be proven, you tell the people something fitting, take the profit and pay the fee which is a tax option, so can we come to the conclusion that in this world criminals are better protected than the victims ever will be?

That consideration comes (in part) from “Two fatal crashes of Boeing 737 Max aircraft were partly due to the plane-maker’s unwillingness to share technical details, a congressional investigation has found” (at https://www.bbc.com/news/business-54174223), with the additional ““Boeing failed in its design and development of the Max, and the FAA failed in its oversight of Boeing and its certification of the aircraft,” the 18-month investigation concluded”, even as we suspect t the there is something wrong with the statement ‘the FAA failed in its oversight of Boeing’, yet could that ever be proven? What does matter the the lives of people are optionally ignored when the bottom line of a corporation is under fire, just like the USS Zumwalt that cannot fire any of their smart bullets (at $1,000,000 per shot). As such, when we read the “The nearly 250-page report found a series of failures in the plane’s design, combined with “regulatory capture”, an overly close relationship between Boeing and the federal regulator, which compromised the process of gaining safety certification”, I wonder what the optional price was of ‘an overly close relationship between Boeing and the federal regulator’, several ideas come to mind, none of them really proper for vocation, yet the setting is there. Again corporate needs are protected as the courts seem to be in a stage of protecting those who do not deserve it and fail to protect those who were in need of protection. And the people wonder why we do have become so distrustful of governments, really?

We might have a few questions on the unrealistic minimum-cost estimates of the USS Zumwalt, yet will those who heralded the unrealistic minimum-cost estimates the inside of a court having to explain their actions, I doubt it, as such is the thought that we have become Citizens of Jahannam.
Too much of a leap? 

Consider the issues that we face, the political egos we allow for and ask yourself, how much more will we have to accept before the law does what it showed do and protect victims? As such, we need to ask the questions we at times fear to ask. And even as we accept the pragmatism is at times the safest course of action, yet the acts of Apple and Boeing give us a very different story, the story of pragmatism being the death of far too many people, yet that is a side we are seldom to see, is it?

I merely wonder what corporations are saved from facing next, I wonder if my choices to be slightly selfish were so bad in the end. If Apple can become a trillion dollar company the way it did, could I not become slightly less rich without dec option and by keeping my (slightly stubborn) disposition of fair play?

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November 17, 2020 · 17:20

Cursed by choice

It is a setting some will remember, some fondly, some less so. It is a state where you have too much options. Let me try to explain this, for example, your iPod you find after a year and you see hundreds of songs you have not heard for some time, but you cannot decide, or perhaps a choice of 5 RPG games and you have select one to play. The inability to seek between good options if you want.

It is a setting the reflects on to situations. The first is the one, the only, the musk (Elon to insiders). BBC reports “Tesla’s share price surged about 14% in New York following the news it was being added to the index. Given Mr Musk’s 20% stake in Tesla his net worth rose to $117.5bn, according to the Bloomberg Billionaires Index. His wealth has jumped $90bn this year as Tesla’s share price has continued to rise”, I look at the setting differently, some say he has the Midas gene, he can anything he touches to gold, I reckon like Steve Jobs and a few others, he has the ability to turn generic outliers into commercial successes. We can go from the fact he knows what is useful, we can go with he knows where to push, who to push and how much to push. We can look at it in different ways, but in basic “Tesla’s share price surged about 14% in New York following the news it was being added to the index. Given Mr Musk’s 20% stake in Tesla his net worth rose to $117.5bn, according to the Bloomberg Billionaires Index. His wealth has jumped $90bn this year as Tesla’s share price has continued to rise”, and that is before he realises (perhaps he already knows) that he is optionally sitting on an additional $1.2 trillion (meaning $1,200 billion) and the wired has seemingly no caught on, I had a few ideas in support of that, but the IP is already his, so why bother, he will figure it out. And that is before he goes to space, there he might make a few coins more. 

It is one setting and the opposing view is seen when we look at the lovely youthful youngling known as Taylor Swift. That BBC view (at https://www.bbc.com/news/entertainment-arts-54969396) gives us “Writing on Twitter Swift said it was “the second time my music had been sold without my knowledge””, here we want to answer in anger, yet the article also gives us “Swift signed a deal with record label Big Machine in 2004 granting them ownership of the master recordings to her first six albums in exchange for a cash advance to kick-start her career”, as such if there is no clause with a mandatory first option to buy back, I wonder if Scooter Braun did anything wrong. The news gives us that she signed over ownership on her first 6 albums, so I understand that she is not happy, but did Scooter do anything wrong? She is not the first, I learned a lot later in life that Paul McCartney has lost ownership of Beatles songs. I actually never knew that. And he is not alone, as such, and especially as we know and have seen that Taylor is very intelligent, why she learned her lesson the hard way. As one is cursed by many options, the other one was forced by a lack of options. The most dangerous part in all this is doing something expecting them to act in another, when we see “US entertainment magazine Variety first reported on Monday that Braun had sold the rights – known as masters – to an investment fund. It said the deal is thought to be worth more than $300 million (£227m)”, I wonder how much the songs were bought for, as such still, one third of a billion is a whole lot of money, I would not sell my IP for that (I would set it to a percentage of the patent value), yet overall I could be tempted. And there is a setting switch, it is about awareness, how many people in the music industry have a real grasp of IP and what it is worth nowadays. Games, movie, TV series, they are all in need of music and there is so much one can compose, it was perhaps one of Ubisoft most brilliant moments in all this, get well known songs or well known artists to support the IP, Imagine Dragons is perhaps one of the more known artists, it propelled the game, not merely the graphics, the music was a large part of it and Ubisoft was exceedingly clever there, they might not own the IP, but they knew a good deal when it was there and musicians need to catch up, especially in this age of Netflix and streaming. Now this is not an attack on Taylor Swift, this might have been her only option, yet the stage remains, what kind of legal advice did she get? I do not know, I am merely asking. So when I see (according to the BBC) “When his company, Ithaca Holdings, paid $300m to acquire Swift’s former record label last year, Swift saw it as an act of aggression that “stripped me of my life’s work”. She accused Braun – who also manages Ariana Grande, Justin Bieber and Demi Lovato – of “incessant, manipulative bullying”” we see a lot of emotion, but the stage is did Scooter Braun do anything wrong or illegal? We might say immoral and unethical but neither is a crime according to law and that is the setting we need to see and perhaps Taylor should have appealed to Elon Musk who has well over 3,000 times what she apparently needed, it is merely food for thought, although, I reckon that Elon gets a dozen of these attempts to contact an hour, and optionally when he figures out where his optional missing $1.2T is even more.

Such is life!
There are two groups cursed by choice, one group has too many, the other has (far) too few. Which one do you belong in? And what makes you think that you are in one or the other, because that contemplation tends to be a solution in itself at times.

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November 15, 2020 · 23:06

Dead on arrival?

Yes, we get the at times, not when the ambulance is racing to get to the ER with a guy wearing 10 knives in his chest, but a setting the is less obvious, almost like the movie dead on arrival, I saw the Dennis Quaid version (1988), I never saw the original from 1950. Yet in this version the victim (USA) does not yet know that it is carrying a deadly toxin, it was the benefit Dennis Quaid had in the movie. So as we see the USA in a stage of what they think matters, we see a larger stage, the stage Regional Comprehensive Economic Partnership (RCEP) gives the people, with a still open invitation to India, it is the first time we get an economic bloc of this size where the USA is no longer a consideration, their 300 million consumers are in a stage where they can afford less and less. So as we get (at https://www.bbc.com/news/world-asia-54949260) “President Donald Trump pulled his country out of the Trans-Pacific Partnership (TPP) shortly after taking office. The deal was to involve 12 countries and was supported by Mr Trump’s predecessor Barack Obama as a way to counter China’s surging power in the region”, we need to see the partial truth that was a problem, a global one. Some give us (in regard to the TPP “Most of the gains in income would have gone to workers making more than $87,000 a year. Free trade agreements contribute to income inequality in high-wage countries. They promote cheaper goods from low-wage countries”, in addition we get “The agreement regarding patents would have reduced the availability of cheap generics. That could have raised the cost of many drugs. Competitive business pressures would have reduced the incentives in Asia to protect the environment. Last but not least, the trade agreement could have superseded financial regulations”, and there was more, so now we see the RCEP, optionally with similar issues, yet with India optionally joining we see a severe blow to patents (not good for me), but generic medication gets better protection (really good for me), and as we now get “The RCEP is expected to eliminate a range of tariffs on imports within 20 years. It also includes provisions on intellectual property, telecommunications, financial services, e-commerce and professional services”, so if that pact grows any further, we see a larger stage, one where the US and the EU see their cushy incomes diminish by well over 25%, yet it might take a decade, but it also means that the stage cannot be continued, as such their economies will need a vast overhaul in the next 5 years or living there in 2030 might not be a nice ideal in several places. So whilst the players are all about their financial services, we see a field that will vastly adjust in the next 5 years. And as I personally see it, it means that the death clock on Wall Street is pushing towards midnight. This is the consequence of catering to the greed stricken, this is what happens when ego takes over and in this case the ego of the USA and the EU are limiting their options, but the EU can always cater to Iran. And as I see it, a third of the global population is holding on to its 29% of the global gross domestic product. A stage that is a little new for a lot of us. As I see it, in 2030 when the national budgets become reality, I wonder how many people will herald the Campaign Against the Arms Trade, remember these grannies holding up the banner, stopping the arms trade against those bad bad Saudi’s? So when their pension goes down another 20% (if it still exists then), who will they blame? Will they call for Jeremy Corbyn? Will he still be alive? The same for the USA, yet here it will be president elect Biden calling the shots (he is entitled to that), but. Can they foresee the impact that the RCEP will have on their economy? I very much doubt it, yet endangering the $8,500,000,000 deal out there tends to be a really bad call, so as the RCEP will deliver to a larger population, we see a slow push take the USA from the pool of those who matter. As I personally see it, hypocritical high morals are nice, that is until the invoices come in, and these always come in.

Today the largest trade agreement in history was signed and the USA was no longer part of the big things happening, it might be a first, but it is no longer a last, that is the impact of close to 15 years of stupidity, short sightedness and ego, all set in a near package, it is efficient, I merely wonder for who it was an efficient setting, not for the USA, not for the EU, that much is certain. 

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November 14, 2020 · 04:56

Outdated?

When you stop being a teenager you think that you are on top of the world, that is for about a decade, some have kids, some do not, but the you hit category three (old fart), you tend to feel outdated. This gets me to a comedian who had the setting (40 years ago) that there were three categories. Teener, Twenny, Old fart. Perhaps he was right. 

So here I am looking towards the options of data vaults, and personally I find them lacking. They are all seemingly founded on a population that hides the porn from partners and spouses. 

The problem is that there are specific needs to hide files (JPG, PPT, XLS, MOV, MP4, DOC, PDF, RTF, TXT), yes some want to keep the natural pictures of partners and spouses when she was 21-24, and even a decade or two ahead, she still has the ability to make you horny. Yet there is another person. They get horny on the dollar amount that patents represent, and in this age where 70% of clouds are invaded, this stage where data in transit is no longer safe, the need to set a secure location, with an optional link to a tablet is becoming essential. You see, those who have the IP trust no one, none at all. Having a secure application on one station, and that being the ONLY place where they can link is a setting that will grow pretty much exponentially soon enough.

So whilst I was trying to find a secondary place to keep the files, I see that the apple store caries failure after failure, and that is when you auto-delete anything that has an annual fee. A dozen data vaults, al copying the same idea, all seeing the stage to files being safe in open space. Yeah right!

But it dawned on me that there is a lack in services available. And this station is not one that I can do, merely because I am not a programmer, what is making me wonder is why programmers could not come up with this by themselves. To be honest, the app F-Vault is close to perfect, if they add the iPad app and link the two and also have players (PPT, PDF, DOC, RTF) in there it would become a pretty picture.

Yet the idea that everything has to go via your iTunes, your Apple TV and so on is weird. There is every chance that data will be copied to other places and that tends to be the end of IP.

Yet in the second, the change that Apple pushed for (in their defence) makes sense on the broad view. Yet it also gives rise to the perceived lack of privacy and safety when it comes to IP. At best you end up with 4 versions, at worst it is soon on the internet making IP public domain and that ends the value of the IP. With all these programmers, no one thought of that? F-vault has the option of fees, but for $10 (AU$15) you become a lifetime member and it all unlocks for you the VIP member. $10 is fair and if the added setting comes, it will be a steal at $20, as no-one else has the essential needs.

In NCIS it is seen as Gibbs rule #4 “Best way to keep a secret. Keep it to yourself. Second-best, tell one other person—if you must. There is no third best”, it is not merely about secrets, the rule applies to intellectual property as well, in bigger firms they have lawyers, yet hat if the inventor is you? What if the invention is one THEY want? Upload it? You have got to be kidding me. In all these settings, it seems no one thought of expanding the need, reaching the larger station, because it is about a lot more, consider the writers of their stories, the makers of a new concept. You think that studios are waiting fr the great idea? They seek out anyone who can give it to them, almost no questions asked. In 2008 today gave us ‘Million-dollar ideas often stolen in Hollywood’ with the added “37-year-old Cleveland resident Jeff Grosso, who paid his way through film school by playing Texas Hold ’Em, wrote a screenplay about it, then sued Miramax over its poker movie “Rounders.””, we get the added “attorney John Marder, who specialises in representing aggrieved writers. Many are victims of a system that favours studios and networks and offers little protection for writers and ideas”, to be honest, I do not know who is right, but I do know that at present there is only one system where my IP is safe, until some parts are upgraded, there is no way I am storing this on my laptop or tablet. So whilst we ponder our own safety regarding “Ideas are not subject to federal copyright protection and, until recently, that was the only legal avenue for relief. Federal law says only the expression of ideas — actual screenplays or treatments — are copyrightable. Therefore a writer would have to prove that a finished film or television show was almost identical to his original screenplay. A studio can get around that by simply tweaking a few details”. So when the greed driven are that driven to remove the original creator and the law falls short, is anyone even surprised that I would offer my IP to Huawei? The US claims that China blatantly steals IP, yet they cannot keep a muzzle on the greedy needs of players like Hollywood, it seems that the holy dollar is the golden cow they all worship at the expense of any soul. The article (at https://www.today.com/popculture/million-dollar-ideas-often-stolen-hollywood-wbna15641336) gives a lot more, but it mainly instills the fear that any idea needs to be safely behind lock and key and you have to have faith in yourself. So when writers consider the approach of “anyone who would take it” to be an invitation not to get paid for your work, at the point we will see other studios waking up and smelling the lack of creativity whilst having coffee. Yes, there is an alternative, getting an agent or a lawyer and make their pitches with that person present I an option, but an expensive one and writers tend to lack funds. 

Yet the stage is here, and I must ask myself, have I become outdated? Has the world moved on to cater to absolute greed? I wonder, yet I also wonder what happens when a player like Huawei takes my IP and gives us an additional 5G dimension others did not see coming. At that point, I wonder what those in Washington DC will d when they missed out again and again as they catered to the wrong people. There is only so many times that you can do this until there is nothing left. It is a stage often looked away from, but President elect Biden has this matter facing him from day one. $8,500,000,000 is in danger as they angered Saudi Arabia (and I greedily hope for my 3.75%), a nation who actually has the fastest 5G now, so as app developers over there see a larger option to become app powerhouses, and they are hungry to become them. The US doesn’t merely misses out on revenue, the data usage connected to all the is monitored outside of the US, and the US has more gaps in what was a near complete picture in the past. Not merely the US, Google is now also in a setting where they are soon to be showing gaps in their data wall. We might ignore ‘Huawei’s New ‘Fight’ With Google To Beat Android Is Suddenly More Threatening’, and it seems like a joke, but Forbes also gives us “the combination of HarmonyOS, its Android OS alternative and HMS, its Google Mobile Services replacement. Until the latest sanction speculation, the HarmonyOS threat to Android was tempered by the chipset sanctions. But if Huawei’s smartphone sales can recover, that materially changes. Furthermore, Huawei has now confirmed that HarmonyOS will be available as an open-source OS, pushed at other Chinese OEMs, to build bridges, Huawei says, between China and the West”, bridges the elude Google, so the dangers I predicted in 2019 are now coming to pass and they are about to land on the US economy as well, when app revenue dives, when app data is going elsewhere, the value of Google will take a step back, so will the value of Apple. It is a simple stage, what was iOS/Android, is now iOS, HarmonyOS and Android. HarmonyOS is not just a slice from the Android cake, as Apple fails to set options in China, their Chinese slice goes directly to HarmonyOS and that is a extending well beyond China, consider that both Google and Apple lose not just the Chinese part, but no less than 30% of the Indian part on top of that. Now we see a different powerhouse, all whilst Google, Apple and others are seeking margins the are no longer where they were and IP is setting a much larger tone, so this was about a lot more than a simple data vault, was it not? And as Forbes gives us “Huawei’s ecosystem pushed further into Google territory. We now have multiple mapping options, for example, to replace Google Maps. And now, critically, we also have a search alternative as well. This is beginning to feel more like the real thing. Yes, Huawei is short on apps and a global developer network, but it’s ploughing in money to its community and it knows consumers worldwide want its recipe of premium smartphones for less—a recipe now being replicated by those other Chinese OEMs” (at https://www.forbes.com/sites/zakdoffman/2020/11/01/huawei-wants-to-beat-google-android-apple-iphone-and-samsung-galaxy-after-trump-ban-update/?sh=12fce8b1e39e) almost two weeks ago, the stage shifts and the players better realise that it was the lack of creativity in the US that started all this (a pretty stupid government administration did the rest). In the end do you think that some of the players will sit still? They are about to lose billions and this is just the beginning, the lack of real 5G in several nations is the foundation for more losses, all in a stage where we still have not seen any real evidence that Huawei was a security risk, other than Huawei being a Chinese company. 

So how long until the people catch on that the world map is changing and when we realise that the US is no longer a superpower (apart from super debt), what will they end up doing? I will let you see the light be yourself, when you consider who is outdated, consider that what we thought was a station of IP, a station too many players ignored from the start, perhaps the values we assign because Hollywood and Wall Street gave them to us, perhaps they too have become outdated. Just a thought to consider.

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November 13, 2020 · 02:27

The call was made

OK, I have been outspoken on more than one occasion, and as such, I also feel partially connected to make the call when it was made. And the call was made towards President-elect Biden. Even as a republican, I have no issue with this, this is how it is, the votes decide. It is not over yet, team Trump will trump (or rump) what is can, and the numbers are there for automated recounts. Arizona, Biden won by 0.3%, a difference of less than 12,000. Georgia has Biden by 0.3% and that amounts to 14,000 votes. I do not believe that these numbers are overcome and a win of 1 vote is all President elect Biden will need, then there is Wisconsin where Biden won, there is no automatic recount, but team Trump might push for it, they need to overcome 20,610 which amounts to 0.7%. It is a really tall order to overthrow all three and not a real realistic one at that, but that was the game and President-elect Biden seemingly won.

After 10 days of counting the calls are officially made (perhaps pre-official), which was the game. We can wait for the election lawyers to step in, but the numbers are too large to overcome, There is no way the this many ballots are invalid, they can look, but I am not holding my breath on that, yet for me, there is a sunny side (see previous blog), the scare they gave Saudi-Arabia will have larger consequences and with 5G operational there, the response is not going to be a happy one for American entrepreneurs, not when Chinese developers have a much larger app development pol to look at with options in Egypt as well, with nearly 100 million people, it is a stage China really wants and the talks we see between Egypt and Saudi Arabia and given with ‘Vodafone may reconsider price of Egypt sale to Saudi Telecom’ (at https://www.arabnews.com/node/1733206/business-economy) two months ago, were already in the pipeline. I warned for this situation and it seems the Saudi Arabia sees the technology light, pushing out not merely Vodafone, but the sale to Saudi Telecom (STC) is set to $2.4B, which is almost a steal at twice the price. You see, with the Saudi 5G (thanks to Huawei) a lot more services will soon opt via Saudi Arabia and that setting will grow over the next 2 years. A setting the EU and the US have never faced before, and would you believe it, team president-elect has not made friends in the KSA, they can reassess all they want, but the market shares are moving away from those who had it, as will that linked data and Huawei is sitting on the side smirking and nodding in appreciation. What I predicted in my blogs as early s 2018 is now coming to pass, soon Apple and Google want their data centres to run larger services and that is when the US will lose even more. Decentralisation is the worst the could happen here and the timing is even less inviting to the US. In 2019 we saw ‘Google still pursuing Saudi Arabian data centers’, with Egypt in the setting their need increases dramatically, and what else will Vodafail lose? I doubt it is merely Egypt. Last week we were given ‘Vodafone Idea’s inadequate network investments to further accelerate subscriber loss: Analysts’, a stage the might not aid the KSA too much, but the losses will go somewhere and whatever partnership comes from there, in the end Huawei will profit, so there goes the setting we hd towards a setting the US never wanted in the first place and as we see it, we will also see that the EU will need to make a call, especially as they lose out again and again. What path they will walk is still unknown, but it seems decently clear that the path they are on now tends to lead towards self-destruction, the is seen in the Euro reporter, who gives us ‘EU and member states risk a possible WTO challenge for unfair actions against Huawei’ a mere two days ago. Even though it is not on the same setting I had, theirs will do jut as well. As we see: “US actions against Huawei based mainly on its Chinese origins simply will not stand up to a legal challenge before the World Trade Organization. This is because of international treaty obligations that Romania, Poland and Sweden as both EU Member States and WTO members are all bound by, precluding them from discriminating against or between the products of another WTO member” is not merely a costly stage, it is the setting the the path (poorly) chosen could cost the EU a lot more than it bargained for.

Even now Saudi Arabia has the fastest 5G network, compared to the US 752% faster, when Egypt is added to this, the stage changes, two nations with willing and tech hungry developers, all with a 2 year advantage over both the EU and the US, the damage they can install by having faster apps and faster infrastructure is going to cost the other two a bundle, perhaps more. Consider that the UK and US are trailing Egypt and the KSA by such a large difference, the mere humiliation of being second to Egypt and Saudi Arabia is just what the flaccid western technologists required, relying on politicians to fight for them, all whilst their technology could not keep up and that damage will continue until at least 2022. It seems to me that this is only the beginning. When the profit fall away, the real damage comes and both players (EU and US) are nowhere near ready to deal with that, as I see it, President-elect Biden inherited a leaky boat names USA, I reckon he better play nice with whatever ally he still has, the game will change and the US no longer has the lead position for choices, that much is I hope been made clear. 

Have a great Friday, especially those calling in sick so the they can test their new PS5.

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November 12, 2020 · 21:06

Sunny side up

Yup, its like the eggs, I like my eggs in different ways, sunny side up, scrambled and poached. The poached ones I tend to prefer with Salmon and sourdough, yet I remain optimistic. Today is a stage of a lot of optional optimism. You see, like the eggs I am faced with a few scenario’s

Scrambled
There is more than one setting, there is the stage where we make our way quickly or awkwardly up a steep gradient or over rough ground, it is what the US is enabling me to do. You see, it is well over a week and there is still no result from Georgia, North Carolina and Wisconsin is under review and recent soon enough, the 0.2% advantage the Biden has in Georgia guarantees a recount. With another state in question there is a lot happening and they opened the for buy continuing in a media takes all frenzy that makes certain allies nervous, yet the American setting is all about media proclaimed superiority, yet the BBC give us ‘US election: Gulf Arab leaders face new reality after Biden victory’, all whilst 5 states remain in question. Even now, North Carolina and Georgia have not been called. Wisconsin is in the wind and Arizona, no-one knows what will happen there and it is making more than a few people rather nervous.

Poached
As such, when we see (at https://www.bbc.com/news/world-middle-east-54904874) “Mr Biden’s victory could now have far-reaching consequences for Saudi Arabia and the other Gulf Arab states”, in all this, I am not sitting by, with a $8,500,000,000 deal that could fall in the water I could look at 3.75% of that amount if I poach it. It would give me $318,750,000 and I need to pay rent. You want to be delusional? The is fine with me, I prefer to do it via the BAE, get the UK the arms deals, but in the end, I actually do not care whether it is them or China, you wanted greed driven? I wonder if you still like it when the shoe is on the other foot. And lets be clear, Saudi Arabia wanted (read: preferred) the American product, but certain delusional congress and senate members had this overreaching idea of whatever they were thinking and I do not mind, I saw a nice house and I do not mind spending my retirement there. It was only last march when we were given ‘Wall Street Poaching Season Stalls as Virus Curbs Interviews’, as such, if poaching is so acceptable, you do not mind me taking away business, do you? Even now when we see “President Barack Obama, under whom Mr Biden served as vice-president for eight years, was increasingly uncomfortable about Saudi Arabia’s conduct of the war against Yemen’s Houthi rebels. By the time he left office, the air war had been going for almost two years with little military success while inflicting enormous damage on civilians and the country’s infrastructure”, we understand part of it, yet the stage remains unbalanced, the atrocities of the Houthis remain unmentioned, as dos the actions of Hezbollah and Iran in Yemen, but remain in denial, I will look after that multi-trillionaire client of yours. And whilst we now see “This lifted sanctions on Iran in return for strict compliance with limits on its nuclear activities and inspections of its nuclear facilities. President Trump called it “the worst deal ever” and pulled the US out of it. Now, his successor looks set to take the US back into the agreement in some form”, as the stage of denial of Iran becomes more and more visible, we will see that additional business opportunities become mine (read: wishful thinking), yet that is the setting of poaching, closing your eyes to pragmatism and reality works for Mme in this case, so I will take it.

Sunny Side Up
Yup, the yoke is on the people of the US. When they lose an additional $8.5B, more and more infrastructure will not be affordable, a stage they made for themselves, we can warn them again and again, yet at some point I will take the money, what was theirs is now mine, they set the stage for me to walk on and dance I will (that much money and they can see me do a jig). And when the people in the US finally wake up, finally realise that some games come at a price, we will see them cry foul (or fowl), yet they called for their chickens and they merely turned into turkey’s. 

Of course I know that my chances are slim to none, but in that setting I will take slim anyway and as I see it, my chances here are better than the lottery and the price is a hell of a lot more rewarding. So whilst Al Jazeera gives us ‘‘Relationship reassessed’: Joe Biden and Saudi Arabia relations’, I say “reassess all you like”, and the quote there is “We should not overestimate what the Biden administration can do in relation to Yemen’s war,” Nadwa Dawsari, a non-resident scholar at the Middle East Institute, told Al Jazeera. “A political settlement under the current circumstances would further complicate Yemen’s war and play into the hands of the Houthis and, by default, Iran” and the is where Saudi Arabia becomes more and more nervous, more and more needing an alternative. It is not ego, Iran is becoming a much larger problem all over the Middle-East and Saudi Arabia is not in a good place, they feel even less certain whether the egotistical democrats realise just how much of a problem Iran really is. The media has been keeping silent over so much events, there is a general distrust here and I am very (read: extremely) willing to step in and get a few coins out of it. Now, I am no Nicholas Cage, but I do get the part when he states (in Lords of War) “Without operations like mine it would be impossible for certain countries to conduct a respectable war. I was able to navigate around those inconvenient little arms embargoes. There are three basic types of arms deal: white, being legal, black, being illegal, and my personal favourite colour, *grey*. Sometimes I made the deal so convoluted, it was hard for *me* to work out if they were on the level”, and that works for me in this case, the fact that I take $8.5 billion and give it to the UK is merely icing on the cake (as long as I get my 3.75% or more).

You might think that I am deplorable, but if I do not step in, the Russians will and I have something against giving free money to them (its an old cold war thing). A stage where the US is finagling billions in 5G, optionally more, a stage where their close rich allies are turning away all because thee media cannot be bothered giving all Americans the proper picture as such I see no reason not to step in and after that I can fund my IP into products the will make me rich beyond belief. Yup, as I see it, 2021 might be sunny side up, although I do admit that 2020 was mostly about scrambling and poaching. But that is partially due to those willing to let it all happen.

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November 12, 2020 · 02:05

Why do we bother?

Yup, that was the question that came to mind, you see the so called free world is all about ‘Ballerina with Alzheimer’s returns to Swan Lake’ and ‘Telstra customers overcharged millions’, which is news, I do not deny that, yet as far as I can tell less than an hour ago, only 2 gave us ‘Several injured in explosion at Saudi Armistice Day event’, which comes from the Guardian, and ‘Several injured in ‘bomb attack’ on Armistice Day ceremony at Saudi cemetery’, which we get from France24. For the most I merely looked at it sideways, that is until I saw a small part I was actually unaware of. It is the quote “The annual ceremony commemorating the end of World War I at the non-Muslim cemetery in Jeddah, attended by several consulates, including that of France, was the target of an IED [improvised explosive device] attack this morning, which injured several people”, to be honest I was unaware that Saudi Arabia was active during WW1, and I found out that the two parties were the Idrisid Emirate of Asir and the Emirate of Nejd and Hasa, they would later become part of what is now the Kingdom of Saudi Arabia. 

So the western media will rely on fake news to bash Saudi Arabia, yet a WW1 commemoration is seemingly off limits for a larger group of the media to comment on. Yes, that makes perfect sense, and you wonder why there is no action on fake news? From my speculative view it might be because the news itself is heralding fake news as means to set agenda’s. Off course I will admit to the fact that my view is speculative, but in light of what we are shown again and again, am I that far off?

The papers also give us “his country’s commitment to free speech, strict secular traditions and right to blasphemy, President Emmanuel Macron promised France would not “renounce caricatures””, I get it. I might not agree, but I get it, in part because the French Revolution was one bloody mosaic of blood and guts and lasted a fair bit, so they have a stage, yet the stage of blasphemy ‘the action or offence of speaking sacrilegiously about God or sacred things’ is a dangerous setting. The ‘freedom’ to attack any religion is something that never sat well with me. It always reminds me of this joke:

Reverend: We should unite and find harmony, we both worship our heavenly father
Pastor: Indeed
Reverend: You serve him your way
Pastor: Correct
Reverend: I serve him the way he prefers to be served
Pastor: ….

Yes, being a christian is not an easy thing, and finding a safe course to guide any conversation on politics or religion tends to be one with dangerous waters. I admit to this, yet to openly confront islam by making caricatures of Mohammed and making it a larger freedom is a big issue. And I get the schools have an issue explaining freedom of speech, but the school teacher had dozens of options to show before he got to the drawing of Mohamed, history is filled with them. And when we remember the news in 2017 where we see ‘FRANCE IS BANNING COMPANIES FROM PHOTOSHOPPING IMAGES OF MODELS IN ADVERTS’, so where is the free speech, the secular need to blaspheme the human shape for the good of free speech? Isn’t a double standard nice to have? I am sort of wondering how “In a bid to tackle misleading promotions”, perhaps it is ‘you can be this thin, apply for a position in the Fritzl basement, you will end up 5 sizes smaller, we will fit you with ankle jewellery. Perhaps that was misleading? 

What bothers me is that most events taking place in Saudi Arabia is either an attack on Saudi Arabia, or a misleading setting where the actions of Hezbollah and Iran are left out of the equation, and I believe it is time that we alter that need. It is time to openly demand the list of shareholders, stake holders and advertisers of anyone found complicit in this. I wonder how many links to power players we end up seeing.

And it is important, because when the equation changes, these same people will scream that they are not given a fair go, and as I personally see it, nothing will be farther from the truth. So when we are treated to “Zain KSA’s 5G services will certainly unlock new prospects for these regions, enabling us to provide residents and citizens with tools for innovation and development, and to support the wise leadership’s efforts aiming towards achieving economic diversification and increasing the competitiveness of the national economy.”Zain launched commercial 5G operations in Saudi Arabia in October 2019. In the initial deployment phase, the telco deployed 2,000 towers that covered an area of more than 20 cities across Saudi Arabia”, we are given a first direct setting where Saudi Arabia has an active business ability in designing and deploying 5G solutions. Yet only this year did we get “Verizon Communications (VZ), AT&T (T), and T-Mobile US (TMUS) have all begun rolling out next-generation 5G networks in markets across the U.S., promising faster speeds, greater capacity, and lower latency” in this we need to take particular notice of ‘have all begun rolling out’ and when we ask for tower information we get ‘a large amount of investment going toward 5G-ready cell sites’, clear English was never in the interest of the business spinner. It gets us towards comical when we consider VentureBeat giving us ‘The U.S. now has 4 live 5G networks, but good luck actually using them’, we see  larger stage and the US is falling behind, it does so at an alarming rate, so whilst we take notice of “Just days after blasting rivals AT&T and Verizon for lying about their limited 5G offerings, T-Mobile commenced initial service on June 28, becoming the last U.S. national carrier to launch 5G”, they need an actual working stage for app developers to get their zoom spot on (or G-Spot), whatever floats their network. So when we got “Just like Verizon, which launched pre-standards 5G home broadband service in small parts of Los Angeles last year, T-Mobile’s current coverage appears to be sparing at best. Initial reports from a small group of testers suggest that the magenta brushstrokes in Manhattan are a bit too thick and numerous given actual 5G connectivity on the ground, and that’s the best of its six cities”, I knew that my IP had no business being in the US at the point and when we consider  we got last July “The problem is that the width of the “lanes” used to transmit data at those frequencies are very narrow, which means that the speeds are not much different from 4G. That’s certainly not what we were led to believe 5G was going to be able to do”, with the emphasis on ‘the speeds are not much different from 4G’, which show us (in part) WHY 5G in Saudi Arabia is 750% faster. So when we look at all the spin, the spin I warned about in 2018, we see why anyone siding with the US is now in a stage that they are 3-5 years behind, and even more shameful on them, they are behind Saudi Arabia and China in this. So when you wonder where the new innovative 5G options come from, consider that they will less and less likely be coming from the USA.

In light of what might be seen as the betrayal of technology, how do you find your level of blasphemy to be when you are up against a Saudi Programmer who has an app that is 2-5 times faster? If speed is the determining factor in 4G and 5G, what else are you losing out on?

I stated it before, 4G was about ‘Where ever you are’, 5G will be about ‘Whenever you want it’, and my IP saw that benefit upfront, are you catching on yet? You see, if you were aware of all the news that we are not getting regarding the KSA and their options, we would be better prepared, but the is not the case and should the Virgin Hyperloop get that Saudi Contract, we will be falling behind even more. Gee, for those who care, the Xbox is out now, too bad the 75GB downloads are not on a 5G setting, are they? And d you have the bandwidth to get all that data across?

Have fun!

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November 11, 2020 · 21:10

Brother, can you spare a clue?

Yup, we all need clues at time. In some cases it is a simple as a vowel or a consonant, a stage where the word is still hidden to us. At times it is a clue to a larger picture, like the Guardian giving us ‘Biden to Trump – you’re embarrassing US’, now I am no Trump fan, yet the elections are not called yet in two states (31 electoral votes), we are optionally facing a recount in Wisconsin and Arizona (21 electoral votes), and there we see the larger difference, it is up in the air who becomes president. The media is shouting and screaming that Biden has won, which would be nice, but I deal in certainties and this is not certain. Georgia is leaning towards Biden, North Carolina is not. Yet until these two are officially called this race is still on. We can scream ‘count every vote’ and I support that, but not all the votes have been counted yet and there we have the larger station.

Then we see China optionally requiring a legal clue, we see this in BBC article ‘Hong Kong disqualifies four pro-democracy lawmakers after China ruling’, a lot of us might go all huffy and puffy, yet does that remain when we see “The expulsion came moments after Beijing passed a resolution allowing the government to disqualify politicians deemed a threat to national security”, as well as “China’s National People’s Congress Standing Committee says that lawmakers should be disqualified if they support Hong Kong independence, refuse to acknowledge China’s sovereignty, ask foreign forces to interfere in the city’s affairs or in other ways threaten national security”, a setting that is open to interpretation. Especially when I consider “Freedom is the non-negotiable demand of human dignity; the birthright of every person—in every civilisation. Throughout history, freedom has been threatened by war and terror; it has been challenged by the clashing wills of powerful states and the evil designs of tyrants; and it has been tested by widespread poverty and disease. Today, humanity holds in its hands the opportunity to further freedom’s triumph over all these foes”, which President George Bush gave us from the White House in 2002, it comes in context with The National Security Strategy (NSS) which is a document prepared periodically by the executive branch of the government of the United States for Congress. It sets a tone towards the outlines the major national security concerns of the United States and partial methods on how to to administer these plans for dealing with issues. The legal foundation for the document is spelled out in the Goldwater-Nichols Act. The document is purposely general in content (read: Ambiguous), and its implementation relies on elaborating guidance provided in supporting documents. Both are choices in execution the need for a national security. Did you actually believe that the stage where Britain obtained a 99-year lease of the New Territories in 1898 was the end of that? After WW2, 50% of that lease period was surpassed, what did you think was going to happen? China giving up on the most profitable region in history? It is emphasised when we consider the Conversation giving us a year ago “Since 9/11, American domestic and international security policy has been focused on individual terrorists, terrorist groups and rogue countries as the primary threats. The country’s defensive response has been focused on the military and law enforcement capabilities. That’s natural, because the military knows how to shoot, drop and launch things at threats like that. And those dangers still exist”, do you think that China was not doing that as well? Since 2000 almost 100 attacks (mostly lone wolves) have been nipping at the heels of the USA, do you think that China is waiting for an attack? It will be minimising risk and Hong Kong is seen as all risk. 

Yet these matters are out in the open, there is a whole range of issues the remain in the dark, in the US, in China, in the Middle East and in Russia, each having its own baton of transparency, each having a different working method and in position we see the media pushing buttons and giving a partial view whenever possible, they too have their share holders, their stake holders and their advertising needs, it does not help many of us getting a clear picture. Consider the AP 4 days ago when they gave us “On Saturday, Biden captured the presidency when The Associated Press declared him the victor in his native Pennsylvania at 11:25 a.m. EST. That got him the state’s 20 electoral votes, which pushed him over the 270 electoral-vote threshold needed to prevail”, which is by all accounts a fair call, but the votes are not counted yet, the 31 out in the open and the end result could become Biden 276-Trump 262. This is an awful close call to be celebrating when votes are still being counted, one contested state is all the is required to show is all overboard and Wisconsin with 10 electoral seats might get us Biden 266 – Trump 272, that is the ball game. This is where it is at and the previous stage will be abandoned by so many it will scare you. You see, I am no Trump fan, and the chaos will ensure that the US will see several attacks, it infrastructure is massively undercut, its resources strained in the wrong directions and we are all screaming: Biden save us, all whilst the stage is not yet set, a stage that the Lone Wolves are really liking at present. Consider Savannah Georgia, Long Beach California, Seattle, Houston and South Carolina, they all have something in common and they neglected a lot in the last decade, the finds were not there. So when problems come calling the American people better have a real focal point instead of the reds versus the blues, we saw how that happened in Gangs of New York, how did the city fair there? It was set to Herbert Asbury’s 1927 nonfiction book The Gangs of New York. Yet what set it all apart, how do you remember the New York City draft riots? You think it does not relate? Consider that it was the moment when the population of New York fell below 11,000 and the area’s demographics changed pretty much forever as a result of the riot. You think that the second time around it will be better? When the reds versus the blues come calling instead of uniting, the US stands to lose a massive amount more from the start and this time around nationwide. I agree, it does not help when one of the players isn’t the sharpest tool in the tool chest, but the stage needs to be secured, China did it from the start, here we see a stage that is open for all with a gun and a loud mouth. Still thinking I have gone coo-coo? Consider ‘Three-quarters of Americans fear post-election violence and riots, Independent reveals’ (at https://www.independent.co.uk/news/world/americas/us-election-2020/election-results-2020-riots-trump-biden-b1700559.html), a stage given to us 2 days ago. That stage still exists, and it still holds water and there is the larger danger, not the rioters, but the opening the they give the lone wolves waiting for a signal. We are given “Such fears appeared directly linked to Americans’ concerns that it will not be clear by 4 November who won the presidential race”, now consider that one week later this issue is still in play. I watched two states remaining at 99% for 3-4 days, so what is hampering the final count? 

As you can see, in light of the unknown and there is quite a lot of it, brother, can you spare ME a clue?

Oh, and I was not done yet (well, not completely). You see, the Goldwater-Nichols Act is the foundation of a larger issue (at https://apps.dtic.mil/dtic/tr/fulltext/u2/a525942.pdf), you see when we consider “Goldwater-Nichols may have made DOD more efficient but at the cost of civilian control. It has also politicised the Armed Forces. Like the law it replaced, it has created a national military command structure that ignores the separation of powers. The amended National Security Act has consolidated dispersed powers into one office, unintentionally establishing conditions under which an imperious Secretary might abuse them”, as such we can surmise that the US will be under a larger version of exposed danger until the 19th of January, 2021. You did not actually think that these lone wolves are sitting on their hands, did you? The danger is not red versus blue, it is those seeking an advantage during that time and as I personally see it, the US is not ready to deal with that danger.

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November 9, 2020 · 22:58

Your field of dreams

We are all in a field of dreams, a field where we see the initial turn of the cards in our favour, some of these dreams are a little selfish, it does not make us selfish, but we are at times in a setting where the game needs to go over way. In my case it is Google buying my IP with the start payment of $25,000,000 post taxation, in the second offering it is Huawei buying it (for the same setting). Amazon is allowed to buy it, but I reckon that 5G technology is something that Amazon is not yet ready for, in the 4th is Elon Musk and he is only there because he makes things happen, he pushes boundaries and that works in my favour in this case. Is it silly (read: stupid) to sell $2,000,000,000 (in its least positive setting) for a mere $25 million? No, because the second payment is that I still hold on to 40% of the registered IP, they get 60%, this is not throwing away money, the I setting a page where I get 40% of something instead of 100% of nothing. We need to realise what we can do and what is outside our reach. We need to push for the field of dreams to get towards reality, not to make the golden dream more and more golden and never a reality.

In gaming, I am not a coder, not a programmer, I never was. But I could think ion a whole range of games, of improvements almost at the drop of a hat (any hat). Yet the stage was never there and I was never a Peter Molyneux or a Richard Garriott (real visionaries). Yet that is the one part I shared with Steve Jobs, he was not really a visionary either, but he recognised the people with vision around him and he could relate to that. It sets a different stage. There was a reason I came up with Watchdogs IV, Elder Scrolls VII: Restoration and so on, I saw what was possible, I could think out the stories. In the same way that I am now working on my second short story (with a wink towards Rendezvous with Rama), and my minds keeps on creating, even when I need it to stop (sleep is a pesky thing we need). Two 5G devices, several adjusted solutions towards 5G and optionally a new setting towards 5G mobiles making them extremely private. All settings I came up with in less than a day each. Then there is the Gordian One weapon systems and a solution towards reactors the I (with my sense of humour) called S.N.O.W., it even comes with two new valves, a wasp valve and a piranha valve (different applications), the device needs testing, and it has a positive side and a negative side. The upside is that if I get it to work, Iran can take its reactor and sell it for scrap and concrete chunks, the downside is one I will not discuss here, because I will be honest, it is scary and I do not really combine scary and NBC solutions, it tends to be real crazy stuff. 

In all this, we still feed the field of dreams, I am no exception, in my mind I end up with a nice cushy job until I retire and a really really nice house to live in when I retire and before that. Some dreams are simple in nature, we tend to not need a lot in that setting. I like the quote in the dark Knight the best in that regard, because the application is larger “I’m like a dog chasing cars, I wouldn’t know what to do if I caught one, you know, I just do…things”, we all tend to chase cars, whether it is that large fee, that gorgeous partner (who we tend to hope is still a virgin), that super large slice of Tiramisu, in the end, things are like cars, when we have it we look for the next thing, the house, the cushy job, the dream partner, they are essential needs, they link to our souls, we all want a version of that. And there is the danger and the blessing of the field of dreams. Phil Alden Robinson was right, faith and family have a larger imprint, yet the issue is not merely to have faith, but to have faith in self, that is the trigger, we can all have faith in someone else, but when that person has a larger faith in what I regard to be delusional politics (Paula White), how does your field of dreams evolve into a nightmare? That is the setting the some face, not me, even though I am a Republican at heart, someone like Donald Trump should not be allowed to continue, he damaged the Republican Party more than anyone realises, John McCain or Mitt Romney, either are 50 times the man the Donald Trump could ever be and he is looking towards a $400,000,000 court case involving taxes if I am not mistaken. We can invite into our field whomever we want, but we must take care that this field is about valuing self, not others, that dream partner is about the extension of you, your dream, your field. 

The problem for a lot of us I what we take into the field, for me it is my workaholic self, I know this, it is how I have always been, and in the past there was trust to former bosses, but that is now gone, I accept the choices I made and I made a few by trusting those who shouldn’t have received trust, but it was me, I merely blame myself. I walked in there with my eyes open. 

I now am in the final stretch and it is not a final score, but it is close to one and if I pull it off the balance goes deep into the green, if not I stay in the red, I accept that, I made choices and I accept that. Yet when you set up your field of dreams to propel you to the next idea, the next option or the next choice, be aware of what you took into the field, as long it is just those things and thoughts that are yours, you are fine.

If that does not scare you, consider the political implications that the Galvin report brought “A report, named after Robert Galvin, head auditor, and whose name appears on its front cover, was initially written at the end of 2006 as an audit of the expenses and allowances claimed by a sample of more than 160 MEPs. The existence of the report was kept secret until an updated version in February saw the fact of its existence made public by Chris Davies MEP. Even then, its contents remained secret”, and it is not that this happened, it is the small little part the we see with ‘its contents remained secret’, so in what universe does any government keep the wheelings and dealing of MEP’s a secret, especially when there are a lot of questions that need answering? 

When we see “Two MEPs were found to be paying out full assistance allowance, but neither had any assistant actually accredited or registered with the Parliament”, which I tend to see as some form of fraud, are these two MEPs still in office? We might concern ourselves with our own field of Dreams, and when we see what happens in the real world, we see no other way to live, unless we set a stage where these tools make a lot of money (at your expense), and should you wonder why I have a trust issue, consider that you can only make money if 50% or better goes towards greasing the gears, the is what the politics of most nations tend to fall towards. These people will only act when there is something in it for them. Ae the thoughts I am having so outlandish? 

Part of it is seen with “Huge end of year bonuses are being paid, often simply to use up as much of the allowance as is left over, between 3 and 19.5 times the recipient’s monthly salary”, and we wonder why we cannot get the budgets to fit? I reckon that this is a form that would apply and the governments stay silent, our field is all that remains, it is close to pure and it is seemingly clean, as long as no-one enters we are unaware of.

Philosophy teaches us that trust is risky, the question of when it is warranted is of particular and increasing importance. In case of our own field of dreams, we warrant very little risk, because for some that field contains a life of ambitions, and who would you trust with your lifetime of ambitions? You partner perhaps, your parents perhaps, but it tends to end there, for most that is all there is and the dream is about to shatter, when your field of dreams shatters, will you be safe?

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November 9, 2020 · 17:46

A fair call

I have been outspoken in the past on the US Administration speaking out on things they hardly understand, more specifically the nuts and fruits division (aka US Senate and US Congress), yet this morning I got confronted with one of such calls and I find it hard to disagree. The article that I initially saw on ABC (at https://www.abc.net.au/news/2020-11-09/google-facebook-banking-senate-inquiry-fintech/12856080) where we get told ‘Senate inquiry asks whether Facebook, Google should be regulated like banks’ is the foundation of a much larger stage, and in the I find it weird that Apple is not named either. You see the quote “The inquiry — which in September handed down an interim report into other issues including regulation of buy now, pay later platforms such as Afterpay and Zip — is now examining whether it is dangerous to have large tech giants offering banking or other financial services”, is more than simply on the money, there is a whole range of services pushed and prodded towards consumers, if anything, the fact that players are faced with games like Gardenscape who continue their deceptive advertising trough games is a mere indication of how bad it could get. There is a basic level of protection that consumers are entitled to and as I personally see it they will not be getting it. 

Now, if these tech providers want to facilitate financial services whilst their services are not linked and behind a Chinese wall, isolating data and speculative insight away from the financial services it is one thing, it would level the playing field with the other providers. Yet in it current stage that setting is indeed extremely unbalanced, unbalanced towards their competitors and more important it will be unbalanced for the consumers who need a honest chance. 

So whilst we are getting treated to “Senator Bragg says our personal data has become an asset and the tech giants could be regulated so they use it fairly”, my response towards Andrew Bragg is that he is wrong, or perhaps incorrect is a much better word here, it is not regulation, it is isolation from internal and external data sources. Which means that if Banco Googly wants to extent a loan to Jack the Keyboard Hammer for a $99 new keyboard, they will have to do their own due diligence and use the methods the other banks and financial services have. That is the only way to keep level playing field. 

Now, player like Google Facebook and Apple might claim that the data link will allow cheaper loans, the might optionally be true, but when you get to the other side of the seesaw, and the seesaw is down for you, the data links might give you less options or more expensive options for the longest of times and the would not be fair. In that regard, have you ever seen ANY financial institution who set your wellbeing over their need for profit, please give me their name, because the alleged law firm known as Mandacious, Dissembling and Sneaky, who will inform you that there are leagues of financial institutions the always have your wellbeing at heart, all whilst you know that there are none that actually do. 

So, yes, I do believe the these tech giant have a much larger drive to own more and more money and there is nothing wrong with the, but they are doing it with a massive unfair advantage leaving banks with the empty jar of watered down milk as tech giants get to skim the cream of every milk delivery, it would be an unfair advantage, with larger implications when they start connecting financial data to the data the they already have, it would be a stage where we get a larger segregation of those who have versus those who have not. A stage that Dutch Journalist and tech savvy person Luc Sala warned us all against in the late 80’s, so 30 years ago he saw this level of segregation through technology, and when did personal segregation EVER have positive consequences? Ask the African Americans, the US Latino’s, optionally Native American Indians. Ask them what positive result they saw from segregation. Oh, and by the way good luck getting out of the room alive when you ask. 

Yet there is a larger stage the Google, Apple and Facebook will face and they already have the larger pieces in place to avoid them, as such regulation does not solve anything, it merely gives rise to legal loopholes, as I personally see it, the segregation of those services is the only decently clean and complete stage the void a lot of traps (most of them, not all), there is a larger stage where Google, Apple, Facebook and Amazon (yup they are in it too) can set the stage of offering testing data, but the should only be allowed if that data is open to all financial institutions and for the same price. You see, they are not alone, that field has has layers like Equifax, TransUnion, Dun & Bradstreet, LexisNexis and a few more, as such there is a stage where their data has more unequal benefits, which is interesting, the article never mentioned them, so whilst some are amazed by people like Andrew Bragg and their PowerPoint voice, yet the data keepers the re out in the field now are not on the ticket here, it seems weird as they have been around and their impact is not to be ignored, so why did Andrew Bragg miss that? 

And the final quote is “Senator Bragg calls it a “game changer”, although critics have pointed out that without careful consideration, it could have serious privacy implications, among other concerns”, so what is his game, when we see ‘serious privacy implications’, I merely wonder who is buttering his bread, because the few I mentioned have a much larger impact, one the is never to be ignored and they have been involved in the financial industry almost forever setting the bar of allowed data versus insincere, or unjust data, a term that should have been in the article as well. You see the unequal field is created by some having more data as well as second degree data. Second degree, or secondary data is where it is at. We can consider that Secondary data refers to data, collected by someone other than the user. Yet what is the case is that these sources of secondary data is often collected for other means and other settings, like social science which includes censuses, information collected by government ad commercial departments for other means; organisational records and data that was originally collected for other research purposes, research purposes that are now reused without the users knowledge. And that is beside the station that some of this data is cleaned badly, and often linked to settings the are no longer relevant, yet they are there connected to a user setting an unrealistic view and optionally ignoring the setting that the created debt is false. The person will soon learn the he/she cannot pay it back, or it is rated as just that little more expensive. 

All stations that players like Experian and Dunn & Bradstreet arm against, for their needs as well as the good of the people. These tech giants are nowhere near the level of clean (and optionally corrected) data. As such there is a fair call to disallow these tech giants their Fintech arm, unless it is completely isolated from their other business arms.

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