Category Archives: Finance

March 16, 2023 · 18:07

Oh boy, there was more

It all started 4 days ago when I wrote ‘I honestly don’t get it’. I comprehended the stage just fine, it is the lack of comprehension of greed, what people will do to fill their own pockets at the expense of everything and everyone. You see Basel III was published in 2010 after the first meltdown, it was extended to 2015 with extensions going as far as January 2023. So 13 years and the whining bitches (aka banks) still will not learn. SVB is merely one example and the actions by congress made perfect sense. Now we have Credit Suisse and the setting changes.

It now needs (and apparently just received) 45 billion to be ‘secured’. This is a little more than the national budget of Qatar which is 53rd on a list of national budgets with 228 nations with on last place Wallis and Futuna. To give you a better picture, it is twice the amount Oman has for its citizens, they are in 68th position. They need THAT MUCH money. The issue is that big and do not talk to me about journalists or those clowns at the ICIJ. They are all about their Pandora papers and what a joke they are. 

You see, I stated in the first article the Common Equity Tier 1 (CET1) and now we see the BBC give us (at https://www.bbc.co.uk/news/business-64964881) giving us “After Credit Suisse shares plunged on Wednesday, a major investor – the Saudi National Bank – said it would not inject further funds into the Swiss lender”, it matters and I will get back to this. In the mean time The Guardian gives us “The bank had been forced to delay the publication of its annual report last week after a last-minute call from the US Securities and Exchange Commission relating to what Credit Suisse described as the “technical assessment” of revisions to cashflow statements going back to 2019. The bank said those discussions had now been concluded” I believe it is more, I personally believe that was why Yellen got involved in day one. I think the SVB and others have too many bonds and they are not ready to mature yet and with interest up these things are making banks bleed money and they are bleeding a lot. You see, there is an estimated total of TWENTY THREE THOUSAND BILLION DOLLARS in US government bonds floating around and I reckon the SVB and Credit Suisse are now in levels of pain, they had too many of those. As such the outstanding part, not merely these two represent $23,000,000,000,000 and no one can cover it they are all stretched beyond thin. This is what I expect is happening and I warned for this as early as 2016, there is a point of no return and the banks are way past that. Putting your IP in the USA is about to become one of the most expensive jokes tech firms have faced in well over half a century.

Could I be wrong?
Yes, that is the case, but that can be tested quite easily. You see, if you make a tally of where all these US government bonds were and you set that tally in a mineable solution especially with pre 2016 and past 2016 when Dodd-Frank got cancelled you will learn a few things and this is what I saw on day one, but weirdly enough the media is not going there (neither is the ICIJ), so you get to wonder why.

Oil in the family
now we get back to the Saudi National Bank. In this I agree with Saudi Energy Minister Prince Abdulaziz bin Salman. Oil is a commodity, there is no cap, if you need oil more and more, you are working from the wrong business plan and if that relies on exceeding your budget by over 30 trillion dollars you get what’s coming to you. In addition I would add the Republican Party making small talk stating that they need to pull away from Ukraine, I lose the little sympathy I had left for them. The US has slammed Saudi Arabia again and again, in some cases with the assistance of a United Nations essay writer. There is only so much people will take. They had the option to help Saudi Arabia create a nations defence strategy, they bailed out and now China is there. They made fake promises and most were not kept and now we see banks asking Saudi Arabia (in Oliver Twist style) can we have some more please? 

As such we see event after event and now that things are on the rails, the train has speed and they just ran out of rails. This is early and before I expected it, but I never considered the impact of Russia being stupid and attacking the Ukraine, it merely escalated things. 

America has two options, does it become part of China or part of Russia. It seems that the Republicans want to be part of Russia, the rest I do not know, but we are now in the process of the final financial act. And my evidence? Investigate the CET1 setting of EVERY bank (especially the two in trouble) and then look at where the bonds are and how many of these bonds are/were with the SVB and Credit Suisse. I have no doubt they both have too many. Then consider Basel III and see how many banks hold up at that point. They were warned for 13 years, so let them rot, let them collapse and let the investors and share holders take the fall and live life in minimum wage. 

And in all this, too many of the media are all about flaming and not doing too much about it, merely pushing towards bailouts. That time has gone as I personally see it. 

All whilst the Australian Financial Review gives us a mere 45 minutes ago “The failure of Silicon Valley Bank has exposed fresh divisions on Capitol Hill over banking reform, as US lawmakers from both parties trade blame for the lenders’ collapse and squabble over future legislation to shore up the financial system” squabble on something that was shown 13 years ago. Still think I am wrong? 

Enjoy the money you have, there might be a lot less soon enough.

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March 15, 2023 · 01:23

An actual surprise

That happens to us all and to me about an hour ago when I was about to go imitate a sawmill when a tweet reached me. The Tweet came from Democratic Jeff Jackson, United States Representative since 2023 for North Carolina. And the tweet was worth it, I would call it the best political video I saw in years. 

It gives a clear concise and brief overlook of the Silicon Valley Bank situation and the actions that are in play. Now, I do have questions but not on the video, everyone should see that one. The video can also be seen on YouTube (at https://www.youtube.com/watch?v=VFo-AQ5aQm0), so watch this. 

This was about soothing and assuring people and that is a good thing. It was a one of the best surprises I have seen in years. Then we get to the Guardian (at https://www.theguardian.com/us-news/2023/mar/14/first-thing-global-markets-gripped-silicon-valley-bank-collapse) there we see
“The bank’s parent company, SVB Financial Group, and two top executives have been sued by shareholders over the collapse of SVB. The bank’s shareholders accuse the group chief executive, Greg Becker, and the chief financial officer, Daniel Beck, of concealing how rising interest rates would leave its SVB unit “particularly susceptible” to a bank run”, for this we have a few items and it is not the Simpson illustration even as that was a hilarious one (at https://www.youtube.com/watch?v=Ovfap2VtpHM) and even to some degree on point even as Bart Simpson never went to the Silicon Valley Bank, the run shows that something set it off, in the case as I saw it, the bank trying to raise 2 billion dollars. Yet I still have questions. You see, I comprehend what happened, I merely do not understand it. I never understood greed (as I personally saw it). I raised the issue (at https://lawlordtobe.com/2023/03/12/i-honestly-dont-get-it/) with ‘I honestly don’t get it’, there I made mention of the European phrase CET1 (Common Equity Test), it was an essential step into Basel III. When the US (under non-leadership of the town clown Donald Trump) lifted the Dodd-Frank act which stopped banks take unnecessary risks, without that act these dangers are back and now it comes to the question as I also gave you in the previous article “mainly US government bonds” that is the setting of the question which is:

How many US government bonds did EVERY US bank buy since the Dodd-Frank act was lifted and I reckon that the SVB bought too many, but they are nowhere near the only ones and as such the US needs to look at these stages and what is required to set a decent level of footholds in place so that the US banks can pass some level of Common Equity Test. Now, there is every chance that this list of banks are limited and that is OK, but remember that a run on two banks nearly started a new financial crises, which would close to immediately sink their economy. And make no mistake, I was a Republican once and I cannot stand this level of stupidity, so the Republicans get to wear that cloak of shame, all thanks to the Trump disaster creation team. He took such great pride of dwindling down Dodd-Frank, now let him face the fallout too.

The action was great, the question remains, but that is for another day, for now this administration needs to avert a new financial crises, and they seem to be doing just this. The end will not be known until early next week I reckon, but that is a pure speculative timeline.

Have a great day!

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March 13, 2023 · 22:05

The first letter

Yes, sometimes the connection between articles is merely the first letter, it is what connects Aramco and Amazon. I had several articles to look at but they both started with the first letter. The first article is about Aramco. 

Aramco
The article (at https://www.bbc.co.uk/news/world-middle-east-64931074) gives us ‘Aramco: Saudi state-owned oil giant sees record profit of $161bn’ in this, I can tell you right upfront that there are days that I have nowhere near that amount in my wallet (weird eh?) Even as we are given “Aramco rode the wave of high energy prices in 2022,” said Robert Mogielnicki of the Arab Gulf States Institute in Washington. “It would have been difficult for Aramco not to perform strongly in 2022.” We might think all kinds of things, but the one that matters is missing. You see, the world removed Russia as a delivery agent of Oil and after that the choices were rather slim and Saudi Arabia was a natural first choice. But then we get a small stab. It is seen with “Aramco – the world’s second-most valuable company only behind America’s Apple – is a major emitter of greenhouse gas emissions that contribute to climate change”, which might be correct, but was it not America and England begging like little chihuahua’s to deliver more oil cheaper? Would that not be a contributing factor to the emissions? So when I see “Responding to Aramco’s announcement, Amnesty International’s secretary general Agnès Callamard said: “It is shocking for a company to make a profit of more than $161bn in a single year through the sale of fossil fuel – the single largest driver of the climate crisis.”” Another partisan response from everyones United Nations joke Eggy Calamari. The individual who seems to be a Saudi hater right of the bat, like her best friend who is a Guardian ‘investigative’ journalist named Stephanie Kirchgaessner. I have written several pieces in this in the past. You see, Eggy can yap like the chihuahua she is all she likes, but lets see what happens when Aramco lowers output by 20%-30%, what BS ballad will she utter then? And towards the Guardian, like the BS articles on private jet owners. The Environmental report a little over 1 year back, when we were given that 50% of all damage came from 147 facilities in Europe, who of them spend any time looking into that? 147 facilities creating 50% of the damage, now that does not put Aramco in the clear, but they are not alone in creating climate issues, but leave it to these two individuals to spin BS. In the meantime lets see what happens when the Saudi government decides to shut the valves if that Calamari individual does not clean her act. Just a thought. Then we get “Saudi Arabia is the largest producer in the oil cartel Opec (Organisation of the Petroleum Exporting Countries).” Now this is true, yet the larger truth is that Saudi Arabia is not the greatest producer in the world, that is the USA by a fair amount. As such the Calamari shit becomes a debatable issue on a few sides. As such we need to consider what the Saudi government does when it had enough, when they close the taps by as little as 5%, there will be widespread economic issues for both the US and EU, as such we need to start looking at the actual image, not the image from some hating dodo in the UN building. 

As such in the first yes, Saudi profits are up and the war has something to do with that, but mainly because people stopped buying Russian oil, so how much more oil did Aramco sell because of that? Oh and tanks are expensive they need 3 gallons per mile, how far does one tank go? Now consider that Ukraine has over 400 tanks. That implies 1200 gallons per mile and the war has been going on for over a year. They are not guilty, neither is Aramco. Russia started that event and they are still playing that game. So when we take a look at the bigger picture, Aramco has a commodity that everyone needs, everyone wants and most of them desire. Prices go up especially when Aramco has 100,000 barrels per hour (simple speculation) and each hour people are trying to buy 125,000 barrels. It is a simple economy and it as in place for several decades. So stop whining like chihuahuas and either come with an alternative, buy less oil or shut up. That is my simplistic view on the matter.

Amazon
The second article touches Amazon. I saw it (at https://www.thegamer.com/nobody-wins-if-amazon-luna-succeeds/) it was a debatable article from beginning to end. I have personal connections here, as such, I am a little biased. The title ‘Nobody Wins If Amazon Luna Succeeds’ was like a red flag to a bull. It is wrong on many levels. You see we all win when Luna succeeds. Luna is the beginning of a new stage in gaming. Streaming gaming can up the ante for gaming in many ways, I have written about it several times. It allows for much larger games, it allows for more versatile games and for an evolving game line. Now this is all possible on a PS5 (a console I love), but only in limited way at present. Nintendo cannot go near this because it is limiting in other ways. Still the Nintendo Switch is a system I love and now that Metroid Prime remastered is released I play it a lot more than anything else. That too is gaming. After 21 years Metroid Prime is just as addictive and beautiful as it ever was and I still claim that no FPS can get near this game, this game is a reason to buy a Switch, even as aSony fat with my PS4 and PS5 I make that claim. Gaming is seen in many stages and many ways and the Luna is merely the next wave towards gaming. The next issue is “Amazon Luna and Google Stadia have the same problem – there simply aren’t enough games to guarantee success” that is a mistake that both Amazon and Google had, I set the premise to almost guarantee 50 million subscriptions (one essential rule comes into play) and they had the option to win this, but Google dropped the cloth and evicted the stage, now Amazon has the option to rule it all alone with plenty of games too, so whomever is making that claim (a Tessa Kaur), she is not looking at the field, there is a lot more and some makers had a starting advantage, but apparently they squandered the advantage and now indie developers could end up with the larger stage. So as we get to “It’s the same with game hardware – they’ll discontinue the PlayStation 4 one day, I won’t be able to repair it when it gasps its last gasp. That will be that, all my games will be unplayable.” We get the first element. The article mentions NOTHING about Microsoft, why is that? Yes, they will discontinue the PS4 at some point, yet at present I will have had a PS4 for well over 11 years and several of these games can be played on the PS5, so I could have that one game for another decade, that part is missing too. The element also missing is that any streaming system will need a proper 5G connection, in many cases there are issues with 4G and 5G is still in a deployment stage in some countries a hell of a lot more then in others. The other element missing is that streaming gaming sucks in rural areas which amount to well over 35% of Europe. We do not see that either. I believe that the Luna is the next generation and with a fully deployed 5G it becomes a hell of a lot better and when developers start thinking of streaming as the ultimate goal, not some game that ALSO plays on the Luna, the game changes a lot more in favour of the Amazon Luna. Streaming is the future and we are only seeing the start of it at present. Microsoft is making their Xbox cloud gaming claims and they are hopelessly lost. Even as they are betraying their population, even as their consoles are not getting it done, they stand to lose a lot against Sony (console) and Amazon (cloud) and that is their real fear. Google might have bailed, but that doesn’t mean that Amazon will too, they actually have a few additional options that they might not have considered yet (speculation on my side). And that is where Apple comes in. If Apple (in their own way) starts in this field, Amazon will have a tough opponent. Microsoft is hopelessly lost and when Apple comes into play they will be doomed. But that is for 2024 I reckon. So far I have faith that Amazon will deliver in the end and create forward momentum in cloud gaming. They need not spin anything, they merely have to create the titles and the population, a setting they have a better hand on then Microsoft ever did. But that is merely my view on the matter.

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March 12, 2023 · 22:23

I honestly don’t get it

It started early this morning when I saw ‘Silicon Valley Bank: Regulators take over as failure raises fears’ (at https://www.bbc.co.uk/news/business-64915616), now I have never denied my lack of economic knowledge and these Simple Voluptuous Bobo’s should know a hell of a lot more than I do. So when I read “a key tech lender, was scrambling to raise money to plug a loss from the sale of assets affected by higher interest rates. Its troubles prompted a rush of customer withdrawals and sparked fears about the state of the banking sector. Officials said they acted to “protect insured depositors”.” You see, this left me with questions. Bankers should know this stuff, they should know about margins and leave room to spare to take a breather when things tenses up. So when I read “The collapse came after SVB said it was trying to raise $2.25bn (£1.9bn) to plug a loss caused by the sale of assets, mainly US government bonds, which had been affected by higher interest rates.” When one bank needs to cover losses to the effect of more than 2 billion dollars things go south fast, yet it was that one part “mainly US government bonds” that send my non-knowledge off flying. You see the US has a debt of well over $30,000,000,000,000. Is this the first signal that the US debt is buckling banks? I honestly do not know that, I am asking. You see, the fact that I see “Concerns that other banks could face similar problems led to widespread selling of bank shares globally on Thursday and early Friday” supports this. That does not make me right, I simply do not understand this setting and the setting that it merely happening to one bank. Then we get “US Treasury Secretary Janet Yellen said she was monitoring “recent developments” at Silicon Valley Bank and others “very carefully”.” One bank goes the way of the Dodo and she wakes up? This does not make sense to me. Especially when other banking Bobo’s (read: fat cats) are not responding to this. Then we get “The firm, which started as a California bank in 1983, expanded rapidly over the last decade. It now employs more than 8,500 people globally, though most of its operations are in the US.” Now this makes it not the smallest bank, but we also see that HSBC shares fell 4.8% and Barclays dropped 3.8% that ain’t hay. This implies that either the Silicon Valley Bank (SVB) is a lot larger, or the bonds are taking a massive dive and I wonder is this the beginning of the end for the USA? 

I am not telling it is, I am asking if it could be. We see the sleep sussing by people like Alexander Yokum and we get that, but consider that this hits one bank that needs to secure over 2 billion. Did they buy up way too much bonds and how many banks have bonds and how much bonds do they have? So when I see “Silicon Valley Bank would not have lost money if they hadn’t run out of cash to give back to their customers” did we not see a similar setting in 2016 in the wake of the LIBOR scandal? Perhaps they are two different things, but I remember something on Basel III, it was about stress testing and liquidity requirements. It was something with CET1 (Common Equity Test). I only know about it because it was a big thing in a program called Clementine, people were all over this and a program called Clementine was bought by SPSS and it became SPSS Modeler (later bought by IBM). So I saw the emails pass by, but it was not on my plate and this was a decade ago. So in a decade someone ignored the Common Equity Test? That is what it looks like to me and I will admit that the article has limited information and this is not the case, but this landed on the desk of US Treasury Secretary Janet Yellen? One bank? She wouldn’t even read my love letters (her glasses are too thick), so this one bank has her attention? Things do not add up, but that is my take and there is every chance I am wrong. Yet I saw a few articles and no one seems to be asking questions and that seems weird to me. 

Still my brain is asking, is this merely the first sign that banks are anchored to the titanic as American bonds are dragging these banks down. And the SVB is merely the first one as it had too many of them. I am ready to be called wrong, but the media isn’t looking very active. I do not care, I have been in a haze of achievement with my 8 IP’s and the fact that both Gucci and Tiffany are driving in my IP minefield 9 months after I published my stories on Augmented reality. I was in a daze of happy feelings and a bank that is not on my continent did not worry me, but HSBC is, so the puzzlement came back and the surprising nature was that one bank should not see the reactions of Janet Yellen, she is too big for one bank, as such my worry started. Was this the beginning of a lot more?

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March 11, 2023 · 23:00

One bowl of speculation please

Yup, we all do it, we all like to taste from the bowl of speculation. I am no different, in my case that bowl can be as yummy as a leek potato soup, on other days it is like a thick soup of peas, potato with beef sausages. It tends to depend on the side of the speculation (science, engineering or Business Intelligence) today is Business Intelligence, which tends to be a deep tomato soup with croutons, almost like a thick minestra pomodore. I saw two articles today. The first one is seen (at https://www.bbc.co.uk/news/technology-64917397) and comes from the BBC giving us ‘Meta exploring plans for Twitter rival’, no matter that we are given “It could rival both Twitter and its decentralised competitor, Mastodon. A spokesperson told the BBC: “We’re exploring a standalone decentralised social network for sharing text updates. “We believe there’s an opportunity for a separate space where creators and public figures can share timely updates about their interests.”” Whatever they are spinning here, make no mistake. This is about DATA, this is about AGGREGATION and about linking people, links that too often Twitter has and LinkedIn and Facebook does not. A stage where the people needs clustering to see how to profiles can be linked with minimum connectivity. It is what SPSS used to call PLANCARDS (conjoint module). In this by keeping the links as simple as possible, their deeper machine learning will learn new stage of connectivity. That is my speculated view. You see this is the age where those without exceptional deeper machine learning, new models need to be designed to catch up with players like Google and Amazon, so the larger speculation is that somehow Microsoft is involved, but I tell you now that this speculation is based on very thin and very slippery ice, it merely makes sense that these to will find some kind of partnership. The speculation is not based on pure logic, if that were true Microsoft would not be a factor at all.

But the second article (from a less reliable source is giving us (at https://newsroomodisha.com/meta-to-begin-laying-off-another-11k-employees-in-multiple-waves-next-week/) so they are investigating a new technology all whilst shedding 11% of their workforce. A workforce that is already strained to say the least and this new project will not rely on a dozen people, that project will involve a lot more people, especially if my PLANCARDS speculation is correct. That being said, if Microsoft is indeed a factor, the double stump might make more sense, hence the larger speculative side. Even as the second source gives us ““We’re continuing to look across the company, across both Family of Apps and Reality Labs, and really evaluate whether we are deploying our resources toward the highest leverage opportunities,” Meta Chief Financial Officer Susan Li said at an Morgan Stanley conference on Thursday. “This is going to result in us making some tough decisions to wind down projects in some places, to shift resources away from some teams,” Li added.” Now when we consider the words of Susan Li, the combination does not make too much sense. The chance of shedding the wrong people would give the game away, yes Twitter is in a bind, but it will add full steam in this case and they will find their own solutions (not sure where they will look), a stage that is coming and the two messages make very little sense. Another side might be pushing it if Meta is shedding jobs to desperately reduce cost, which is possible. I cannot tell at present, their CFO is not handing me their books for some weird reason.

Still, the speculation is real as the setting seems unnatural, but in IT that is nothing new, we have seen enough examples of that. So, enjoy your Saturday and feel free to speculate yourself, we all need that at times to TLC our own ego’s.

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March 10, 2023 · 01:47

The bright confirmation

For me it is both, but you the reader might not yet see that. This is fair, so let me explain. On June 6th 2022 I wrote ‘The mind, it continues regardless’ (at https://lawlordtobe.com/2022/06/06/the-mind-it-continues-regardless/) there I set out 8 pieces of IP, with several options. I mentioned jewellers on March 3rd with ‘It was one keyword’ (at https://lawlordtobe.com/2023/03/04/it-was-one-keyword/) I made additional references in 2022 as well. There is a growing market for augmented reality and malls would do well to tap into that IP when they still can direct the engaged people before it is too late. 

Now we see (at https://www.technologyreview.com/2023/03/07/1069414/cartier-tiffany-ar-luxury-gen-z/) Technology Review giving us on March 7th ‘Cartier and Tiffany are getting into AR to sell luxury to Gen Z’, so they are over 6 months late but they are figuring out that there are additional income streams. I tried to warn Google, I tried to warn Amazon, yet they were all about the contracting economy. Now we see that I was right all along (yet again) and that is before some realise that the stakes are increasing, especially when a player like Kingdom Holding could secure the IP, my IP that is likely nothing like the one Cartier (or Tiffany) has. And my IP has other streams as well. I wrote about them a few times. But that is water under the bridge. What does matter is that this is yet another stage where Google and Amazon are shown that they dropped the ball (yet again) and that feels good. You see, when you are one man shouting in a forest that person is likely bug nuts. I get that, but now that Tiffany and Cartier are joining that choir I suddenly don’t look that simple or nuts anymore, which is a good confirmation to see. I merely wonder if I will be timely enough to claim my golden retirement and show these other fakers how they missed the boat a few times over. To be honest, I was not expecting to see this confirmation this soon, but it merely works to my advantage. I merely wonder if a player like Amazon is realising what they are leaving on the floor, including 5 billion for their Luna revenue. I know that I sound delusional, but that was the case a year ago too and now at least one of my IP are out there and Cartier and Tiffany are trying to get there. But that is merely my take on the matter, luckily for me I made part of it public domain 9 months ago, so there.

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March 9, 2023 · 21:11

Afford versus Effort

They are apart, but not in the mind of some. You see the old expression “You get an A for effort” got corrupted. I reckon it started after the 90’s when effort was no longer the main dish. It became not what we can do, but what we can afford so that the fat cats can get their bonus, whilst meeting all other obligations. It wasn’t wholly unexpected. I had spoken to some McDonalds people in the Netherlands in the 80’s. They told be about meeting expectations and not overrun it past the 100%, merely meet the expectations of their bosses. Do not be the ‘surprise’ no one sees coming. At the time it was an utter alien thought. I did not catch on to that exercise until mid 90’s. It was weird. You were hired to do your best, but that became you are to do your best as THEY expect you can be a nothing more. I touched on this slightly whilst writing ‘It was one keyword’ 5 days ago (at https://lawlordtobe.com/2023/03/04/it-was-one-keyword/). This must have stuck in the back of my mind, because it came out yesterday with a vengeance. Two things bubbled up. One reflects on LinkedIn and Facebook. They have (for the most) been all about the quantity and not the quality of stuff. They will give you some runaround on complexity (with loads of yada yada yada), but the foundation is that this was out there years ago. I never mentioned it before as I was designing IP to meltdown Iranian (and Russian) nuclear reactors. I did find a solution with the use of a snow globe (how is that for effort?) But the larger stage is not that, it was the story from some girl with a huge smile telling us how people died. That is how it reflects because that is how her profile picture was set. Big smile, no matter what. I do not care that some people can add emoji’s, we can stage ‘emotions’ like they were sad or angry. It would have been so simple to give any person several profile pics, one solemn, one happy (default), one angry and so on. There I a limit, but I reckon that most are covered with less than 9 profile pictures. There are plenty of accounts that have one picture, these are neutral pictures and that is fine. But showing someone how mines impact the human body with a big smile gives the wrong message. And Facebook and LinkedIn could have done something years ago, there is your A for effort right there, no effort because we get some technology babble on how they could not afford it.

This gets me to the second part. The image gives us a mothers day gift. OK, nice, optionally caring, but why? Not giving the gift, I am all for that (even though my mum died almost half a century ago), but see the second image. 

Now consider this a mockup, set to about 4 inches, optionally in merely in greyscales. The edge has the battery, and an option for an micro SD slot. There would be an USB charging option with the more expensive model having some kind of dock. And we include the one cool thing Microsoft did 30 years ago. We get the about screen to give the holder who it was from and what for (like mothers day). The screen could have not merely a calendar, which the simplest UNIX command (cal), but we could add a dot around important dates, like birthday’s mothers day, fathers day anniversary days and so on. The LCD has a clock option so that they can place it anywhere where they need time and optionally showing images, like pictures. And yes the colour version would be more expensive but that is on the buyer. So why are we looking at some acrylic heart that is reduced to a paperweight within a year? It is a nice gift and the emotion behind it is most likely real, but giving something that has long term impact, is that realisation wrong? Is that now beyond achieving? Why is that? This setting came to me in mere seconds, so why isn’t a player like Amazon all over that? They have pretty much all the technology required, the digital transparent LCD clock is decades old. No one took that for a ride to the next generation? 

That is what shows effort versus afford. We forgot to go all the way, we forgot to take the train to the station past the last station. Technology is cheaper and gets to be cheaper still. In 2005 I bought a 2GB card for my camera for $850. Now that same card is $8, in less then 20 years. So what about the other technology? We forget that our bosses need us, we don’t need them that much, the Covid era made that clear, so go all in, show your maximum effort and you will soon see that the ‘fake-it-till-you-make-it’ people will try their luck in Uber or they become barbers. You need to shine and as such you need to make your maximum effort so that you get noticed by the right people, because the greed game is unrelenting, some boss will notice this and they will see YOUR value, something your boss was eager to trivialise for HIS needs.

Just consider that for a moment.

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March 8, 2023 · 22:24

As media proves itself useless

Yes., I have been on this horse a few times, but I never expected this to happen, well, not a first tier media outlet. Yet, lets not give away the game just yet. Lets first look at the evidence. It started with one person correcting another. 

The correcting party is a Dutch man named Ties Joosten (@TiesJoosten). We get the information that the retweeted man was not a farmer, more importantly the man was not from Frisia (a province in the north of the Netherlands), we also get that this story was copied from Facebook, from a man who is a Frisian farmer. The man who retweeted it was from Zeeland (a province in the south west of the Netherlands). Yet, that message is also incorrect. They made reference that they were peak loader as such there were troubles. 

Ties found out that the Frisian province (@provfryslan) had not designated anyone as peak loaders, none of the provinces of the Netherlands apparently had named anyone a peak loader. The statement is that they are forced to close. More importantly Ties learned from @provfryslan and @FTM_nl that there were no forced closings. More important, this farmer volunteered to be bought out. So there was no forced closing, more important, even as the buy out numbers would be confidential.

What is public is that this farmer received for hundreds of thousands of euros subsidised payments which was found through @provfryslan. 

Which gets us to the final image which gives us the alleged disinformation bringer @Evavlaar brought a message from a farmer who is not a farmer, gives a setting whilst the real farmer in question volunteered to be bought out.

And that is the end of the intro. You see, this problem is a lot larger than you think. It is Forbes who have seemingly lost the settings. With the article (at https://www.forbes.com/sites/dianafurchtgott-roth/2023/03/06/climate-driven-technology-forces-out-europes-farmers/) we get “Thousands of Belgian and Dutch farmers are being sacrificed on the altar of climate change. They are losing their livelihoods as their governments crack down on emissions of nitrogen oxide (from manure) and the use of ammonia in fertilisation.” So which Dutch farmers are losing their jobs? Who was sacrificed? This is on the editor of Forbes Randall Lane. Even as the article comes from Diana Furchtgott-Roth, the editor is responsible. So can we get a list of these thousands of farmers? Can we get a top-line write-out of the numbers? As I personally see it Randall Lane has three options remaining, he fixes the mess we see here, he becomes an uber driver or a barber. That is more options than I ever had. 

The media is showing themselves to be every bit as useless as they always were. With this one event Forbes moved from the shelf of top tier magazines to a mere third tier. We always has issues with materials published, but now we have additional pressures on the quality of the magazines and newspapers. Too lazy to vet the information, to lazy to check numbers. It is all about deadlines and having the juiciest story, accuracy be damned. If it wasn’t for a man named Ties Joosten, we would think that the Dutch government is the big evil, instead we now see that the media is allegedly the big stupid.

Have a great Wednesday!

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March 4, 2023 · 10:23

It was one keyword

Yes, that is at times the short and sweet of anything, but let that not be some alert to the easiness of any endeavour. You see, my opposition to the CBC article (at https://www.cbc.ca/news/business/nordstrom-canada-1.6766073) is not that simple. The headline ‘Nordstrom closing down in Canada, shuttering all 13 stores’ sounds nice and it is a reality, but it is another line, one giving us “It was not Canadian enough”, that is the one that is plain wrong. You see, from all information we could go with the setting that the business mission was wrong all along, especially with any business painting the books in red since 2014 is another matter, one that matters, but the larger stage is not that (for Nordstrom it might be), malls are at present done for in its current setting. You see when Covid hit, it did a lot more. The timeline 2020-2023 changed people. People were forced to sit at home and mull things over. The short gratitude setting of going shopping in the weekend suddenly got hit by the cold light of day and it did not hold up. People started to think over what on earth they were doing and that becomes a whole lot more. 

You see, it started before June 6th 2022 when I wrote (at https://lawlordtobe.com/2022/06/06/presentation-and-awareness-creation/) ‘Presentation and Awareness creation’. This is based in simple settings. You see, all the marketeers are in some silly exercise of direct marketing. It is direct, simple and cheap and the ROI of it is seemingly immense. But any intelligent marketing boffin will tell you that the actual gems are found in engagement. Engagement is key to get traction with the people, especially the people who woke up after covid. I saw the setting in the Eaton Centre Mall (Toronto), yet I saw this application in places like Harrods too (Harrods has way to much traction at the moment, as such they need not worry), but there are well over 115,000 malls that need to wake up. They need to create traction and that was where my IP came in. It wasn’t hard, parts already existed, but for some reason Amazon and Google (the most likely winners in that race) decided not to wake up and that is where everyone decided to snooze a little longer. But there was a stage that was fast and vastly evolving and players like Omnichannel were already aware. They knew that the race was around the creation of engagement, they merely did not take it far enough. I did and suddenly had created a stage where bookshops and jewellers were a lot more important than ever before. OK, I am a guy so I created the stage for Victoria Secrets as well, they have well over 1,000 stores in the US alone and that is merely the beginning. There was a stage of intensified engagements from Alberta to Monaco and from Monaco to Zurich. An enlarging stage and the one keyword everyone forgot about was ‘Effort’, it is not part of direct marketing as such a lot of people forgot about it, but it matters and it matters a lot. Nordstrom is merely the beginning. Unless malls do not change their approach too many of them will become ghost buildings. The people are awake and these malls are largely done for. Seek any of my articles from June 6th 2022 involving ‘Eaton Centre Mall’ and you might catch on. It was all out in the open and marketing people forgot about the essential approach involving effort. 

What I never figured out is that I am not the super intelligent type, Google and Amazon should have been thee long before I did and they were not, now that they are all about chasing revenue, I wonder who gets there first, that player will have a much larger revenue stream for a long time to come and it is not an adjusted revenue stream, it is a new one with global implications. That is my view on the matter. How the keyword ‘effort’ changes everything.

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March 4, 2023 · 00:32

When is a fence not one?

That is the thought I had a few days ago when I was confronted with ‘Finland’s main parties back plans to build Russia border fence’ (at https://www.theguardian.com/world/2022/oct/19/finland-main-parties-back-plans-build-russia-border-fence), it was a newer story with added parts, and they do not matter at present. You see, the Finnish border with Russia is 1,340km, like the Texas Mexico fence, it is folly. On the stage of getting a 1,340,000 metre fence costs more than the combined reserves of ALL EU nations, as such Finland cannot afford it. Then we get the simple setting that large parts of such a fence can be tunnelled under in simple ways. And to withstand the power of any tank that wall needs to be strong and it might merely delay any invasion by an hour, so what gives anyone the idea that this wall is a solution, other than the delusional thoughts of some politician? 

I honestly do not get it. Then, if you look at the map, the northern part of Finland borders Norway, who then borders Russia, so how to solve that? Build a wall that includes Norway? There are a dozen settings where the wall falls short, as such the use of a wall there is just folly. 

So what gives someone the idea that a wall was any kind of a solution to anything at all? And when you consider the Russian smugglers who use Finland to get to the shores to Sweden (the Lulea – Tornio – Russia route), I feel sure that some people will see the wall fail there as well. But the Guardian seemed to bite on that red herring with “Finland’s border guard last month suggested building a fence several metres high, topped with razor wire and equipped with surveillance cameras and sensors along 160 miles of the border – roughly 20% of its total”, so we have a wall that is covering 20% of the border, as such where? And when you consider that 80% is still available what does it do but take resources away, resources Finland does not really have that much to begin with. Then we get “The fence would protect areas identified as posing a potential risk of large-scale migration from Russia, mainly in south-east Finland, where most traffic crosses the border, but also around border stations in the north of the country”, which now implies that the Lulea – Tornio – Russia route could also make money for refugee smuggling, so yes, that was a really good idea from day one (sarcasm implied). And then we get the juiciest steak in political Finland. It is given to us with “The project would take up to four years to complete and could cost several hundred million euros, according to border guard estimates. Final approval for the main phase could be delayed until April, when Finland is due to hold parliamentary elections”, did you catch the stage? At a minimum of 200M, the fence will cost $1.3M per mile, which is ridiculously cheap, as such the cost would be well above 400 million and that is still decently cheap. Because border guards, electronic surveillance and a few other items will put the wall, the limited wall at no less than a billion, which is a lot more than several hundred million euros and that is before budgets are overrun and the entire mess will be useless at the price of close to €2,000,000,000 and that is still pinching pennies whilst the wall has no depth, implying that digging under it would be decently easy. So in this time of need, which nation has 2 billion ready to waste on solutions that go nowhere? At present NPR gives us that the Mexican wall is set to around $20,000,000 per mile, implying that Finland is looking at $3.2 billion, implying that my simple calculus exercise was right on the nose with €2,000,000,000 and as Finland has time issues (like Winter is coming) the 4 years is also over optimistic. Increasing the Finnish army by 300% might be cheaper and as we saw that the Ukrainian turned the Russian bear into sishkebab, that idea might be a lot more effective. A wall that cannot defend itself is merely a place you can get around and in this day and age, walls are avoided most of the time. To b e honest, I would like the politicians behind this give us the numbers on how they got to the few hundred million euro. I reckon we can all use the entertainment.

I reckon looking closely at the construction firms and their connections might reveal a few additional items, but that is me, ever the skeptic. Oh that is all before we look at the cost and maintenance of guards on that stretch of wall, you would need well over 80 guard groups, with 24 hour coverage, travel settings and food/drink options. I reckon I low balled the cost by a lot.

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