Category Archives: Finance

September 23, 2025 · 11:30

The time has come

I have been sitting on a story for about three days. I have been hesitant as it is a field I am thoroughly unaware off, but it could hit me in the future and as we are given (at https://www.abc.net.au/news/2025-09-19/first-guardian-shield-collapse-asic-and-superannuation-flaws/105783328) the setting of ‘First Guardian, Shield superannuation disasters expose deep flaws in Australia’s $4.3 trillion retirement system’ we see that ABC is giving us not only cause for pause, but also cause for alarm we are set in a stage of almost desperate inability to protect our retirements. And lets be clear if Australia is set to a $4.3 trillion danger, what is the dangers towards America, Canada, the United Kingdom, France and Germany? 

I tried to illustrate dangers like this in ‘Wages of fear’ which I wrote in May 2023, two years ago (at https://lawlordtobe.com/2023/05/02/wages-of-fear/) and there I wrote “Lets be clear, this was NOT his fault, but the point where we cannot avoid what comes next was achieved. If only people had woken up a lot sooner. But there we got past a point where the problems would accelerate and now we are almost at that point. And the banks will be no help. I tried to warn you a few times over. Some of their risk and liquidity is in US bonds and when the US forfeits payment your 401K and many other things will become worth close to nothing” Now the fair question is, is this the same? I don’t think it is, but there is a larger failing into the retirement systems as it is not a hands on pathway. ABC in another story hands us “Ms Wohlers is one of about 12,000 Australians haunted by the loss of more than $1 billion of retirement savings after the collapses of First Guardian and Shield.” As well as “ASIC deputy chair Sarah Court, who has commonly described the First Guardian and Shield cases as “industrial-scale misconduct”, says the regulator acted as soon as it could. “We don’t think we missed red flags,” she told ABC News ahead of ASIC’s appearance at a parliamentary hearing on Thursday, when she was grilled by politicians about whether it was a tough cop on the beat properly identifying financial misconduct.” And it relates to the story we are given with ‘140 targeted by ASIC on Shield, First Guardian’ as I see it, a mess of a disastrous kind. Where the latter gives us “So, for example, the financial advisers are saying to us ‘you can’t hold us accountable for this because the ratings house had rated the Shield Master Fund as of investment grade’, while superannuation fund trustees are telling us the same – ‘well, we relied on the ratings houses’, or ‘we relied on the fact that these members had financial advice’,” (Source: Financial Newswire) I see it as a setting where there is a ring setting with no beginning and no end. I am in a setting where Microsoft could steal my IP and my only defense would be to convict 280,000 Microsoft employees to death and kill them myself. I get that this is utter madness, but that would be the result of one party just playing a game with other whilst that party knows that they cannot be held to account. I remember the rating houses in 2008 and they got away whilst millions lost it all. I see the simpler setting “You take from me, I take from you” and the setting that Microsoft losing over 45% of its staff (I am utterly destined to fail) making it implode on itself. Now take that to the setting of rating houses and the the truth comes out (if it ever does) the people need to react and react harshly. It is not ‘business as usual’ it will become business at the cost of souls and that is a harsh reality to face.

So whilst some will lawyer up and that is their right, they should not be allowed to walk away with even a dime. I reckon that they will sue the rating houses and those rating houses will need to get sanitized (to some extent) because losing billions is a larger setting and when Australia with their billions in losses (up to 4,300 billion) the setting for America and Canada is a lot more severe. And America up to ten times as much as Canada faces. And about a month ago we were given ‘ASIC takes further action against Ferras Merhi over First Guardian and Shield superannuation advice’ where we are given “ASIC has sought leave from the Federal Court to expand its existing proceeding against former financial adviser Ferras Merhi to allege he engaged in unconscionable conduct, failed to act in the best interests of clients, gave conflicted advice, and provided defective statements of advice whilst receiving millions of dollars.” Yet my question becomes did Ferras Merhi do anything illegal? You see, in my setting I would be, but did he do anything illegal? The setting revolves around “provided defective statements of advice whilst receiving millions of dollars”, so what makes a statement ‘defective’? You see, I am not protecting Ferras Mehri. I am looking at the following:

s12CB of the ASIC Act – engaging in conduct in connection with the supply or possible supply of financial services, which was in all the circumstances unconscionable.

So, what makes the setting of “all the circumstances unconscionable” an economist looks at this in one way and I as a law graduate and IT technician in another way. 

Then we get:
s952E of the Corporations Act – providing defective disclosure documents. As such, what makes the documents “defective disclosure documents”, I do not know and I look at them separately as that is what the law does and when merely one law falters, it all collapses (it matters later on).

Then we get:
s961B of the Corporations Act – failure to act in their client’s best interests, and what is that at the start? Most clients are ‘greed’ driven, they want the highest return and that is ‘their’ best interest. It is a hard lesson to learn that looking back the client gave the wrong advice to the advisor. I myself only work a balanced portfolio, I will never make large leaps but then again I am unlikely to lose a lot either. 

So in that setting we see:
the Court made interim freezing orders over Mr Merhi’s property. These orders remain in place until 12 December 2025 (25-024MR).
ASIC cancelled the AFSL of FSGA, effective 7 June 2025 and permanently banned its responsible manager (25-102MR).
In July 2025, the Court made travel restraint orders against Mr Merhi. Those orders prevent him from leaving or attempting to leave Australia until 12 December 2025, or until further order of the Court (25-024MR).

That is fair enough I reckon. But now we get to the settings that ABC at the top gave. We see there “In all of these cases, no criminal charges have been laid, but ASIC is heading to court to make allegations against the people at the centre of the Shield and First Guardian funds — those involved in managing and promoting the schemes.” The no criminal charges gives pause to consider that no criminal acts have transpired and when we look at some of the allegations the two that take the cake (a Tiramisu cake) is that the settings of “defective disclosure documents” must be proven and the lawyers will fight that. Then we get “all the circumstances unconscionable” and that is the ballgame, ‘unconscionable’ is not per se illegal and it is about the legality of the matter in court and that is the setting we see. So when I made a statement two years ago saying “Some of their risk and liquidity is in US bonds and when the US forfeits payment your 401K and many other things will become worth close to nothing” we see what bonds were worth 5 years ago. There we see “For the year, long-term U.S. Treasuries were by far the best-performing fixed-income investments, with a nearly 17% gain,” (source: Reuters) at present they are “the 10-year yield settled around 4.36%” that represents a loss of 13%, so who pays for that bond? This was a danger I saw 5 years ago (as uneconomical as I am) and 10 years ago I heard people to buy bonds as the interest is like free money and I stopped. There is no free ride and this is almost pushed into the AI field all whilst there is no verification in place. All settings that are interconnected and we now see the ABC giving us “expose deep flaws in Australia’s $4.3 trillion retirement system” so, what do you think you will end up with because as I see it, there is the chance that these people can do what they like all whilst there is no criminal accountability. Yes, he is stopped for now, but Ferras Merhi is about to walk away with more than $19 million in payments. As such he is willing to sweat it out for a few months. It is a lot more (like 79.2581 times more) than I ever made in my lifetime. 

So I see this case that ABC alerted me to with some suspicion. These people live by the setting of walking the edge of legality, there is no risk at that edge and I expect that Ferras Merhi is doing just that not doing anything illegal. As such 12,000 Australians are about to learn that they could lose it all without any illegal actions transpiring and I fault it to two settings (mentioned above) and we all considering setting the clocks to Islam where we see “Islamic banking prohibits the use of interest, speculation, and excessive risk. It emphasizes profit and loss sharing, fairness, honesty, and transparency in financial dealings.” By the way this setting was in place for hundreds of years. 

Have a great day and see that Statista gives us “Robusta, named because it can grow at a wider range of altitudes and temperatures, sold for 1.87 U.S. dollars in 2018, projected to sell at 5 U.S. dollars per kilogram in 2026” did you predict in 2018 that you would be setting your retirement to pay 267% for your coffee?

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September 22, 2025 · 11:43

Wrong premise

That is what I see when I get the news from CBC at present. There are two articles in play. The first one (at https://www.cbc.ca/news/politics/canada-big-step-back-from-us-data-1.7637651) where we see ‘Canadians are taking a big step back from the U.S. — and here’s the data to prove it’ giving us the settings around American travel and goods. What was a little surprise that export to the UK had risen over 60%. With “Canadian exports to the U.S. have dropped off while those to non-U.S. foreign countries have surged — a pattern that could accelerate further as the government races to cut new trade deals and help businesses capitalize on the ones that have already been signed.” And as I see it, this setting will merely increase when Canada starts infringing on American exports to Australia by setting a stronger vibe towards Canadian Tire. And I reckon that Simons could make a decent entry into Sydney and Melbourne as well. 

You see the entire commonwealth is fed up with the White House and its [CENSORED] whatever. He might have thought that he was making pointers by slapping the ABC reporter around asking valid questions in the UK, but the answer was not accepted and we have an issue with bully tactics. 

So as the US Ambassador to Canada Pete Hoekstra thinks (at https://www.cbc.ca/news/politics/us-ambassador-to-canada-disappointed-anti-american-campaign-1.7637534) that the setting of “The U.S. ambassador to Canada is expressing frustration over the anti-American sentiment he sees in this country, including from politicians, after U.S. President Donald Trump hit most of the world with tariffs.” Which might have caused concern with Mexico (not his bother), United Kingdom (not his bother), Australia (not his bother) and the EU (not his bother either). The thing that is in his plate are the 51st state mentions. That got the Canadians in an uproar and for the most other Commonwealth nations as well. There is no mention of that from him, is there. I get it. He is the American Ambassador to Canada and he doesn’t want to acknowledge the failings of his own government. He is all about calling waves, but the fact that he is unsuccessful, is due to the larger failing of his own government. So as we get “Hoekstra said Prime Minister Mark Carney’s remark in the House of Commons on Monday that Canada currently has “the best deal with the U.S. worldwide right now” has helped “take the tone and tenor of the debate down.”” Is merely the beginning of a new chapter. The old chapter is now done for and Canada will seek other venues for their goods, as such Mexico and the Commonwealth are larger allies Canada can count on. There is also the setting of the EU and optionally Saudi Arabia and the UAE. You see, it is time for Canada to seek out the revenue spending nations (Saudi Arabia and the UAE). There might be a larger audience for the CG634 currently in use in Canada and the Ukraine (the last one die to donations by Canada) as such there is ample evidence that these helmets hold up in battle. And there is more Canadian hardware that could be sold to both Saudi Arabia and the UAE. And as Canada is developing technology to counter hypersonic missiles. There is every chance that Saudi Arabia might be up for a new trade partner, if only not to be dependent on China, replacing China with America gives them a similar dependency and there Canada (Aussies too) might be a willing trade partner. And again America is seeing the short end of that trade deal and it pays for Canada to seek visibility of Canadian Tire to whatever either Saudi Arabia and the UAE have. All options that are out in the open. 

The wrong premise is not that we are sick and tired of America (optionally that too), but when. America collapses, which is not that far away at present we all need alternatives and seeking them out now is merely good business. And in light of the disaster that Disney unfolded, there is a definite chance that there are options in tourism too in Yas Island and in Jeddah too. A 3.2 million population in the Mecca province is likely to need all kinds of entertainment and as the banning of Jimmy Kimmel is said to have cost Disney a simple $3,800,000,000 there is every chance that Disney needs to tighten the belt as of this year. All settings that the American Administration called on the world and the world is answering by looking for goods elsewhere. 

So as I see it the premise we see is incorrect, everyone has had enough of the tantrums of an American Administration that can’t get his head in the game and as everyone in the Business Intelligence can tell you, loyalty was a 1960 term that cannot hold up, not after 50 years.

Have a great day today this Monday, but not to fret, Friday is merely 4 days away now.

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September 21, 2025 · 02:20

Focal points required

That is the setting I am having in 1 o’clock in the morning. The news (and the internet) is currently overloading with Jimmy Kimmel stories as well as vindictive settings against Disney and I get it. When the media who is trumpeting free speech is becoming the bitch of President Trump, people will not take kindly to this. Apparently the subscription servers at Disney went down as it was overloaded with cancellations (according to some sources). So I had to look all over the place on the settings of finding something to write about and Tom’s Hardware was one source who supplied the goods. The story (at https://www.tomshardware.com/tech-industry/artificial-intelligence/microsoft-announces-worlds-most-powerful-ai-data-center-315-acre-site-to-house-hundreds-of-thousands-of-nvidia-gpus-and-enough-fiber-to-circle-the-earth-4-5-times) gives us ‘Microsoft announces ‘world’s most powerful’ AI data center — 315-acre site to house ‘hundreds of thousands’ of Nvidia GPUs and enough fiber to circle the Earth 4.5 times’ and even as I don’t care too much about what happens in Wisconsin (other than the need to protect cheeses, I really like cheese) is the fact that when I see an article with that much data, I start looking for missing data, I am wired that way and it is less than 4.5 times around the planet.

But we got something, the setting is given with “This is likely a comparison to xAI’s Colossus, which uses over 200,000 GPUs and 300 megawatts of power. Microsoft didn’t specify its exact number of GPUs nor the expected power consumption.” And that is the ball game. You see, the setting of 300MW is not just a lot, it is the entire ballgame. Now, there is evidently enough power in Wisconsin, but is it enough? Consider a simple PC. It has a 600W power supply. Now this is not the same, but I am getting to that. Take 200 PC’s, that makes it 120,000 Watts of energy. Now consider that hundreds of PC’s are needed to even partially validate the data coming into that place. You need data verification spots to do that. The larger setting could be done by data entry people, people who go over the received data and they need to work quick, almost uninterrupted. As such the quote “Microsoft didn’t specify its exact number of GPUs nor the expected power consumption” is as I personally see it, massively deceptive. Just like the stage of Builder.ai where Microsoft set it to over a billion dollars and in months that money was gone, they apparently spend it on under 200 programmers (test engineers) and that is merely the start of it. And when we talk about enough fibre to circumvent the planet 4.5 times you get 57,402 km of fibre won’t that take any energy? The numbers aren’t adding up and even as Wisconsin has energy, there is every likelihood that they ‘suddenly’ have a shortage of energy. Oh, what a damn shame and the setting of any data centre is that in case of a shortage of energy it all ends right quick, the moment the surplus hits zero, the issues start and they will immediately escalate. 

Further down that page we see the mention of Elon Musk: “Elon Musk confirms xAI is buying an overseas power plant and shipping the whole thing to the U.S. to power its new data center — 1 million AI GPUs and up to 2 Gigawatts of power under one roof, equivalent to powering 1.9 million homes”, well good luck with that idea. I am not saying it is impossible, but the setting of getting that all placed in a new location still requires a lot of concrete and not to mention the stage of the resources to get the plant going, so what is it? Gas, oil, coal, Uranium?

So what is fueling the Microsoft plant? And how much surplus energy will Wisconsin have left at that point? As I see it, there is a reason that Microsoft doesn’t give out the expected power consumption. And there are a few more items on that list, like validators (could be done remotely) so hundreds of people calling into that centre what drives the telecom settings? All issues that would have to be tackled on day one. 

As I see it, there is a lack of focal points, but as I see it, those who spin aren’t interested in that concept at all. Merely the floatation of the name in conjunction with “‘world’s most powerful’ AI data center”, didn’t Microsoft do this once before? Oh yes, the most powerful console in the world. How did that end with that Xbox series X? As far as I know it is trailing the weakest console (Nintendo Switch) by a lot and it is also trailing the PlayStation 5 a fair bit. So I am not keeping my hope up when Microsoft is juggling the setting “World’s most powerful…anything”

But then I have seen them play these cards for almost 40 years. And they could have taken advice from IBM on certain matters, like “This page is intentionally kept blank”

But that is just me.

The second setting is being pushed forward. I don’t want to write the wring thing and there are a few missing cogs in that story. Like the ‘new’ location on $4,300 billion retirement funds. And no one is talking so I have to dig.

Well, have a great day, time for Sunday to get a sun (in 4 hours) and consider looking around for freedom of speech, Disney seemingly can’t find it. 

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September 20, 2025 · 10:31

The new axial

This happens, at times we need to remove the old axial and fit in a new one. As the axial grinds the roads it is up to the owner of the car of setting the pace of delay. And as present the dumb drivers are setting the decay of the axial rather high. And as such the car requires either fixing or replacement. At present the replacement axial comes with hidden settings. Some good and some unknown (at present). It started last month (pretty much yesterday), when we learned that Pakistan is offering its nuclear umbrella to Saudi Arabia and as the news give it to us, they accepted. There was an unknown to me (perfectly acceptable) as I illuminated yesterday there is a new setting for China and that is where I get another setting. One source gives me that it would allow the Hualong one PWR to be build in Saudi Arabia. I reckon that Saudi Arabia will opt for the Hualong two. That’s another few billion that will never make it to the US treasury. I opted the setting of defense and I still think that is valid. So as America is now losing Defence, tourism and media billions. America is no longer the ally anyone needs, because they are about to no longer afford anything and that is not the only setting we are about to see. You see, the three big ones are there, but there is also telecom (STG) and media (Al Ekhbariya) now about to get full global vision and as the Islamic population are about to get to 22% of the global population, they will be able to expand enormously. So who do you think will lose revenue? Wanna take bet on any American channels or telecom providers. (Personally I think Vodafone will become the largest loser) and that is not all. Some others are starting to see the folly they entertained for decades.

As the Jerusalem Post gives us (at https://www.jpost.com/middle-east/article-868103) we see ‘Hezbollah chief calls on Saudi Arabia to turn ‘new page, open dialogue with the group’ and we are given “Hezbollah chief Naim Qassem called on Saudi Arabia to turn “a new page” with the Iran-backed group and set aside past disputes to create a unified front against Israel, following years of hostility that strained Riyadh’s ties with Lebanon” to Qassem I would state ‘Screw that’, Hezbollah has been the Iranian tool for decades and as Iran is now out of bounds, Hezbollah need a new sugar daddy. I reckon that Saudi Arabia has no space for a limited thinking group draining billions from their treasury chests. Hezbollah made their bed and now they get to lie in it. Israel is probably the strongest they have been in decades. There are ruffles in Israel, but that is a local setting. Saudi Arabia was clever not to get involved. It is now about to become one of the strongest nations in the world. They are growing outside expectations and will do so for at least half a decade. The last thing they need is a expensive bothersome toddler. As for Hezbollah, they are losing more and more power. The attack on Qatar rattled everyone and it is expected that some will unite, not to attack Israel but to guarantee that they are not attacked. It is a premise anyone will respect. And as the Hamas leadership is buried under Qatarian buildings, Hezbollah is afraid, very afraid. And they should be. 

So as we are now seeing the New Arab (at https://www.newarab.com/news/other-arab-states-can-join-pakistan-saudi-defence-pact-minister) ‘Pakistan minister calls for Islamic NATO, welcomes Arab states to join Saudi defence pact’ with the text “Speaking to Geo TV in an interview late Thursday night, Asif denied any prior coordination with the United States regarding the agreement. It marked the first specific acknowledgment that Islamabad had put the kingdom under its nuclear umbrella. The two countries signed a defence deal on Wednesday declaring that an attack on one nation would be an attack on both. Neither country has responded to questions about what the pact means regarding Saudi access to Pakistani nuclear protection.” A setting that is perfectly sound. Pakistan will end up with a much larger seat on the table and as we accept the setting we see with ““Islamic and Arab countries have the right to defend the region and its sovereignty, just as other countries do. I don’t think anyone has the right to object to that, because we have our own will and know our borders and frameworks,” Asif said.” We see that Khawaja Asif the current defence minister achieves something that hasn’t been seen since since Pakistan had its Baba-e-Qaum (Father of the Nation) namely Muhammad Ali Jinnah. And the west just wasn’t looking. I say that this if this Islamic NATO works we should applaud it as it also takes Iran out of the setting of being the danger of the Middle East as Pakistan is its ally, it will not act against anyone else because f that setting and because of the danger it will place itself in.

A setting that is optionally one of the most intense one in this day and age. And as this evolves and China becomes the defence provider of choice to the larger Arabian community, the settings of America as a provider dwindles down more and more. I reckon the only option that Raytheon and Northrop Grumman has is to place a larger stage of its factories in Saudi Arabia (as it was invited to do around 2020) and that setting is all that America has at present. Its dumb idea of tariff and border restrictions pushed its allies away from America and as America is now realising the dangers it faces and the impact that these actions had will a massive impact. It is said that the largest trade partners were Mexico, Canada, China, Germany and Japan. So how are they feeling at present with the tariff joke? They represent $2.5 trillion before 2024, but where are they now? That is direct income into the American treasury lost and as defense spending and tourism is down, do you really think that the damage is set to a mere $12 billion, or is my view of $80-$130 billion losses 

I saw the weeks ago (and wrote about it) a lot more realistic?

And as some might remember the setting for 2023 where the STG bought towers in Europe, did anyone follow up on the setting of ‘Saudi Telecom considers possible offer for United Group’ months ago? So how is that going? 

Have a great day and as it is said in Islam As-salamu alaykum (peace be upon you), it will become the phrase for all to know from 2026 onward.

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September 19, 2025 · 11:27

Trinity of Doom

That is the setting I am invoking. It started innocent enough and that start came from the BBC (at https://www.bbc.com/news/articles/ckg3llj5nxdo) where we see ‘Macrons to offer ‘scientific evidence’ to US court to prove Brigitte is a woman, lawyer says’ and my first response was ‘Are you freaking kidding me?’ You see, the response is as seen “Their lawyer says the French president and Mrs Macron will present the documentation in a defamation suit they have taken against the right-wing influencer Candace Owens after she promoted her belief that Brigitte Macron was born male.” And as I see it, that ID10T error named Candace Owens came after Australians after she claimed “Candace Owens compares Australian government to the Taliban, calling it a ‘tyrannical police state’, and “When do we deploy troops to Australia? When do we invade Australia and free an oppressed people who are suffering under a totalitarian regime?”” At that point I saw her for what she was a simplistic rabble rouser. And the best way to avoid her is not to listen to her. But at some point people like this as liable for what they say and here I am completely on the side of President Macron. So whilst I see “Speaking to the BBC’s Fame Under Fire podcast, the Macrons’ lawyer in the case, Tom Clare, said Mrs Macron had found the claims “incredibly upsetting” and they were a “distraction” to the French president.” I am definitely on their side giving no value to “Ms Owens’ lawyers have responded with a motion to dismiss the claim.” There is no avoiding the hardship, because people like this are all about making the ‘claim’ and then saying quietly sorry after dismissal. I think it is great that the Macrons take her to the cleaners. And that sets a rather large (and I am about to enlarge that stage too). You see, if convicted, she will not be able to enter any European country as she will be extradited to France and I reckon that this will happen in the United States too. The second stage is given (at https://www.bbc.com/news/articles/c203n52x1y9o) also by the BBC. You see, these two elements started a rather nasty setting. I am not about to give voice to what it all is set to the stage of ‘ABC takes Jimmy Kimmel off air over Charlie Kirk comments’ and I wonder who was the simple soul here? I am not judging Jimmy Kimmel and I am not for (or against) Charlie Kirk. Never met the man, never heard his speeches. I am on the side on Mia Farrow here. She wrote on BlueSky “I disagreed with Charlie Kirk on every issue. But political violence is always reprehensible and horrific. A political motivated assassination is a tragedy for our country” I can identify with that, no matter how comedians twist whatever topic they embrace. This falls back to the Candace Owens setting as there is optionally a setting for liability and not just the one spouting this setting. There are issues with the Media Law as well and they could be a little different in France, but there is only so much ‘freedom of the press’ and when outright ‘incorrectness’ is spread. There are larger options to consider. 

This now reflects on these comedians and on advertisement. You see, Canada can now offer a juicy deal to Stephen Colbert and Jimmy Kimmel to host these two shows in Canada (one in Vancouver and one in the West (Ottawa or Quebec) and now see what happens when the advertisers come to Canada to spend their budgets. As the budgets come to Canada so will the listeners. This might be the first instance where the political administration of America sees Advertisement money go to Canada and it does not end there.

There is a larger setting that Saudi Arabia and the UAE, Egypt and a few others could set. You see, France has a while range of missiles that could be deployed and bought these country customers. So consider now the impact on Raytheon and Northrop Grumman and what revenue they could lose. So the smallest setting is that America politics impacted revenue from Tourism, Advertisement, Media and Defense spending. As such the words from US Ambassador Pete Hoekstra (at https://www.cbc.ca/news/politics/us-ambassador-to-canada-disappointed-anti-american-campaign-1.7637534) where he gives us “I’m disappointed that I came to Canada — a Canada that it is very, very difficult to find Canadians who are passionate about the American-Canadian relationship,” Well, my view is that the remarks on Canada becoming the 51st state have everything to do with that and the Tariffs are just icing on the cake. And these remarks pissed off the larger Commonwealth. So in less than a year we see that Tourism was affected and still is, now there is a chance that Defense Spending is also speculatively effected and when two comedians move to Canadians channels advertisement money and media revenue go down (the way of the Dodo) as well. Is that enough clarity mister Ambassador?

As such there is word out that plenty of nations have had enough of President Donald ‘the duck’ Trump (according to a nameless source). I am sitting on a fence seeing it all happen and the moment that CTV signs up Jimmy Kimmel and Stephen Colbert the larger change to media will happen. It might take a little longer, but the change will be felt all over California and New York and they didn’t have enough bad news at present (to they?) 

America showing these fields giving way to France and China will start a panic drive from Wall Street and I am speculating that this presents itself all the way to the Banks all over America. A setting we saw partially coming, but the setting of Jimmy Kimmel will be a lot more profound. I wonder if the man can transfer to talking Canadian soon enough (like: a boot, instead of about) and so on.

Have a great day, and don’t forget Digital advertising in Canada can be done through Pound & Grain, Major Tom and GVN Marketing. Both Jimmy Kimmel and Stephen Colbert could receive pages on https://www.ctv.ca/ as soon as they switch channels. So how is that for thorough?

I reckon that Saudi Arabia, Egypt and the UAE can find their way around https://www.mbda-systems.com/

So, now lets see if I can get a few dollars out of that setting? (One has to respect one’s bank manager).

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September 19, 2025 · 06:18

The world according to CNN

That is what happened a few hours ago. Whilst America is losing the hope of the people, its long time allies already have. And early this morning (it is Friday already here) we get ‘As US reliability falters, Saudi Arabia turns to a nuclear-armed ally’ (at https://edition.cnn.com/2025/09/18/middleeast/pakistan-saudi-arabia-defense-allies-intl). Yet the larger setting is ignored. You see, they could have had that setting with China as well. The quote is “Khalid Mahmood, then Pakistan’s ambassador to Riyadh, requested an urgent meeting with King Fahd bin Abdulaziz. The Saudi monarch objected to the test, but nevertheless pledged to “support you more than you expect,” according to Mahmood. The very next day, Pakistan was promised $3.4 billion in Saudi financial support, funds that helped Islamabad proceed with a second nuclear test, the ambassador said.” This setting is good news for Pakistan, yet as I see it, it is a larger door opening for China to get its Mighty Dragon (Chengdu J-20) to another country as well. I saw this opening happening about 2 years ago in ‘Ding Ding, the premise is set’ on May 27th 2023. I had made the reference at least once before that, but that was the moment I saw that China had a real chance to break through. As America is now less of an ally it had ever been, it is less reliable (also a lot more broke) and as it seemingly caters to Russia, Saudi Arabia is now handing over a contemplation of a different nature. Saudi Arabia is ready to do business with other players and CNN set this to the setting of “So when Saudi Arabia and Pakistan signed a mutual defense agreement on Wednesday, it reignited speculation over whether Riyadh might now formally fall under Islamabad’s nuclear umbrella. “This is a comprehensive defensive agreement that encompasses all military means,” a Saudi official told Reuters.” I see this as another setting where Iran better start playing the gracious nation and stops playing the kid with a tantrum. Israel showed it has had enough of Hamas and it struck out to Qatar, a setting we would not have imagined a year ago (at least I never saw it coming) and now that the Saudi Arabia is seeking a more robust defense setting. We might see that it is merely a form of “Islamabad’s nuclear umbrella” but this prolly covers a lot more than you might think and that is also the door that China will consider for additional conversations. And whilst we consider that Qatar opened that door (which is not without reason) CNN gives us “The deal includes defense industry collaboration, technology transfer and military co-production, according to Jamal Al Harbi, the media attaché at the Saudi embassy in Islamabad. Writing in Arab News Pakistan, a Saudi state-linked outlet, he added that “capacity-building and training” were also part of the agreement.

While the senior Saudi official said the deal was “years” in the making, its timing – just a week after an unprecedented Israeli attack on neighboring Qatar, a staunch US ally – suggests that Riyadh is looking beyond Washington to bolster its defenses after decades of near-total reliance on American protection.” And it is clear that the hidden message is “after decades of near-total reliance on American faltering protection”. One missing word gives the whole statement a near complete setting for China to knock on the door of minister Khalid bin Salman Al Saud to see if he has space for a few stray Mighty Dragons, these beasts go per squadron and they like the warm sands of Saudi Arabia (just a speculation on how that conversation might go). 

As such CNN took a trip through memory lane, we are given “In a September 2023 interview with Fox News, Prince Mohammed Bin Salman said Riyadh could shift “their armament from America to another place.” A strong Saudi Arabia, he said, meant a strong America. “You don’t want that to be shifted.” When Trump returned to the White House, Saudi Arabia placed renewed hopes in him.” And as I see it, the massive shifts that Washington gave the world, it is seemingly time for Saudi Arabia to seek other settings and as I see it, I reckon that the UAE is not far behind it is speculation, but the setting that Nvidea now sees with China, is a larger setting that America is on a setting where soon it cannot pay the bills that are coming and when that reveille comes playing several players are under the assumption that it will be a bad day to be the ally that is totally depending on America. Jensen Huang told BBC News the US needs “to make sure that people can access this technology from all over the world, including China.” He added: “The advance of human society is not a zero-sum game.” But that is his version, President Trump does not see it that way and here we see that Saudi Arabia is seeing a different development and soon, so will China. And as this happens I reckon that the UAE is not far behind. As we were given in the near past “The UAE is embracing change, building on its $1 trillion economic relationship with the US and welcoming the future of AI and advanced technology” and the UAE wants that, but at present there are more and more clouds of doom over America and I reckon that both Saudi Arabia and the UAE need the assurances that America is no longer able to give (highly speculative). This is how I see this evolve and when this happens people like Jensen Huang will seek a new dialogue with president Xi and with China as a larger whole. 

So is this the world according to CNN? I am not certain but that setting makes sense to me and ‘making sense’ is presently not coming from America, that much is certain. As such we need to see that Pakistani setting in a beginning of an altering defense spending intent and as I see it Pakistan is fine with that setting as it will almost guarantee that Pakistan will profit by that link as much as it could hope. 

Have a great day, to apparently is about to become the weekend (it follows Friday) have a great weekend.

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September 15, 2025 · 11:54

Cracks are showing

That is the setting of this day. In under 5 minutes three articles passed by my eyes and it is a clear sign that cracks are showing. I will give you an article first. The article (at https://www.cbr.com/xbox-game-pass-end-of-era/) gives us ‘It’s Officially the End of an Era for Xbox Game Pass’, I am in the meddle of that settings. I cannot disagree and I cannot completely agree. We are given “Game Pass might be a great deal for players, but unfortunately, it comes at the cost of devaluing developers and their work. If the system keeps running the way it does now, it’ll only get less sustainable over time, and if Game Pass crashes, a lot of people are going down with it.” Yes I agree with that statement, however “it comes at the cost of devaluing developers and their work” is a little validating what a fool hands for their games. Consider Hogwarts Legacy, the devoted Harry Potter fan goes ‘Take my money…now!’ whilst plenty of other gamers go ‘Not in 999,999 years, 11 months, 30 days, 23 hours, 59 minutes and 50 seconds’, as I see it ‘Not in a million years’ sounds so crass (big smiley). So the statement is out there and lets be clear Game Pass was a great idea. But it comes at a cost. You see, Microsoft needs the game pass to give validation of the Blizzard/Activision deal, together with Bethesda they spend a little over  $100,000,000,000 and as it stands and as I see it, to cross that deal they have to make over $6.5 billion dollars a year just to make the interest go away and last year it merely banked 5 billion an change. This is a loss of well over a billion a year just for the interest of this caper. I thought it was a bad deal the moment it was announced and I wrote about it in 2022/2023. So with the end of game pass this deal gets to be the sour apple that gives Microsoft indigestion. But like the infomercials say “There is more” and there is. 

You see we are also given ‘Microsoft Is Axing This Android App. You Have 3 Weeks to Find a Replacement’ (at https://au.pcmag.com/hosted-email-providers/113075/microsoft-is-axing-this-android-app-you-have-3-weeks-to-find-a-replacement) and you know, there is and there has always been a replacer ent from the day that thing was called into service. It is called GMAIL. It has always worked well and it is not riddled with hidden Microsoft snags. So whilst we are given “A year ago, Microsoft celebrated 10 million Outlook Lite downloads. Effective Oct. 6, however, Redmond says it’s being retired ‘so we can focus our investments’ on the main Outlook app.” I will counter that that this setting was in play since 1998, so the investments should be there and in order. But when you see “so we can focus our investments” and consider the previous article, we see the beginning of cracks in the armor of Microsoft. Cracks in its spin settings and telling the world how great it is doing as a 3.79 trillion company. You see, there is a lot more bad news ahead  for them and none of it is great. Yet that is beyond the third article and it comes with speculations.

You see, the third article is one I have issues with (I’m on the side of Microsoft here). The article (at https://www.gamesradar.com/games/the-elder-scrolls/after-4-months-oblivion-remastered-falls-to-mixed-reviews-on-steam-after-reports-of-poor-and-unstable-performance-on-pc-it-is-still-well-and-truly-a-bethesda-game/) gives us ‘After 4 months, Oblivion Remastered falls to “Mixed” reviews on Steam after reports of “poor and unstable” performance on PC: “It is still well and truly a Bethesda game”’ There are a few issues here. I played it on the PS5 (as one should) and I believe it was a truly great remaster. I found one glitch (optional a bug) and I got around this. Whilst we see that Cyrodil is massively shown in the greatness that it deserves and better than the Xbox360 edition, I got the same feeling of amazement here as I did in the original. And I have a few issues with the “poor and unstable” side of the matter. Yes a steam system and most PC’s do not allow for a NVIDIA GeForce RTX 5090 (and neither does the wallet of these gamers), as such they are playing with the overclocking left, right and centre. And not every application allows for that and becomes ‘unstable’. But the term overclocking sells systems and as long as the warnings are there, they allow for it, but software tends to be tricky and I believe that this is shown here. I never did that and I found one glitch (optional bug) in my PS5 edition of Oblivion and I think that this is amazing quality. So there is a larger audience who will ‘convict’ Microsoft in falsehood. 

As I see it, these settings will optionally call for Google to bring back to life the Stadia and I have a setting that will nearly guarantee a starting setting of 6 billion a year and past that stage one an increase to $10-$15 billion annually. I merely don’t want Microsoft to get that part, they tinkered with the freedom of gamers, so they are out. Amazon had the inside track for over two year and they didn’t take me seriously (my speculation of them seeing my idea) and now as the Microsoft cracks are showing we see a larger workspace of gaining over 15 million gamers and a whole lot more in other places. That warrants a new look at the stadia. I thought it was a great idea for the Kingdom Holdings to gain the hand on the Stadia, but as I see it, they seemingly lacked vision there too. As such Google now has a new upper hand and as I accused them of leaving billions on the floor, it is their turn to pick this up, fair is fair.

So whilst the cracks are showing others can gain the leverage of Microsoft (and make it fall at least a third in total value and the would make buy words golden too (and I get to hand a wooden spoon with gold engravings to Phil Spencer) as such my ego is at present a little unbearable to me as well. 

A setting that was foreseen at least two years ago and now there is a new stage in that setting, or better stated a remastered setting of the same stage and that is a nice touch on silly old me.

So have a great Monday, which at present feels like a new Friday to me.

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September 13, 2025 · 12:30

The settings you never see

I got a little surprise yesterday, apparently Saudi Arabia is (at https://english.alarabiya.net/News/saudi-arabia/2025/09/11/saudi-fund-for-development-to-give-syria-165-million-barrels-of-crude-oil) handing Syria ‘Saudi Arabia to give Syria 1.65 million barrels of crude oil’ and we are given “Saudi Arabia will supply Damascus with 1.65 million barrels of crude oil to support the country’s economy and improve living conditions for its people, the Saudi Press Agency reported Thursday.” In addition we are given ““The grant aims to enhance the operations of Syrian refineries and achieve both operational and financial sustainability. Its goals include supporting economic development, addressing economic challenges, fostering the growth of vital sectors, and contributing to the achievement of sustainable development goals,” SPA reported.” I think it is a great setting that Saudi Arabia is helping its ‘neighbors’ in getting a more robust economy. It comes after we were given (at https://english.alarabiya.net/News/middle-east/2025/09/07/saudi-arabia-launches-damascus-area-reconstruction-project- )“At an event Sunday in Damascus, the Kingdom’s King Salman Humanitarian Aid and Relief Center (KSrelief) announced an aid package that includes a project to clear more than 75,000 cubic meters of rubble from the capital and its surroundings.” I took notice as KSrelief is doing a lot of good in the Arabic peninsula and Africa, news that doesn’t make it into the western press. You see, it doesn’t fuel the digital dollars of the western media. And as they think that Syria is old news, they basically don’t bother.

But this shows Saudi Arabia to be a ring neighbour and their projects would benefit those millions of barrels of oil. A setting the western media also ignores. But we are informed by Al Arabiya as is the Arabic peninsula. We are also given that “Saleh said the rubble hinders humanitarian efforts and reconstruction, and that unexploded “war remnants threaten the lives of civilians.”” Ans this is the second setting that we are given after Riyadh informed the people in July that it pledged $6.4 billion in investment and partnership deals with Syria. Good for Saudi Arabia and good for Syria. Yes, we are never informed about the cleaning operations that others cause. But the UN keep on bitching about the diluted and misinformed focal points in the world. 

In other news
Yes, this also impact Saudi Arabia, but not in a way people care to know. We were informed about a month ago that Ubisoft is adding a DLC to AC Mirage. A game I enjoyed. What I didn’t know it that this involves Saudi Arabia. We are given in several ways “Ubisoft staff raised concerns with management over the company’s alleged dealings with Saudi Arabia.” As such does it matter? Ubisoft has done plenty of Dealings with America and their transgressions into all kinds of illegal operations are ignored. And when we get to “Game File reported that a representative from Ubisoft’s social and Economic Committee (CSE) directly questioned company management about whether “seeking a contract with a person accused of crimes against humanity for ordering the assassination (including his dismemberment and dissolution in acid) of a journalist, could contribute to the Ubi-bashing the company is currently suffering?”” I now say let these idiots of the Social and Economic Committee (CSE) come with actual and factual evidence. Enough is enough! So whilst we are given “While Ubisoft hasn’t confirmed a deal with the Savvy Games Group or Saudi Arabia generally, the company announced on August 23, 2025, that Assassin’s Creed Mirage will receive free DLC later this year, which will be set in ninth-century AlUla (a city in Saudi Arabia).” A setting that I presume is part of an ancient oasis city and governorate in the Medina Province of Saudi Arabia, but I am not the expert of that. This reminds me, could it be an idea to incorporate the works of Tusif Ahmad (I reported on that two days ago (at https://lawlordtobe.com/2025/09/10/outside-the-box-we-see/) the idea that the presumed bras or copper templates might open a setting or a door that opens a larger stage of the game. Consider that these copper shadows might be seen as the earliest Quranic verses in this case, a verse by Tafsir Surah (I hope I got that correct) and that could spark all kinds of fandoms by Islamic people. It is just an idea and I got there in less than a day. As such I say yay Ubisoft. I think it is high time that the western world gets of its seemingly high horse badgering American slogan devoid on facts or evidence. It will be some effort to leave alone AC Shadows as I am in the middle of it, but no one ignores a free DLC (only idiotic sycophants do) and lets be clear AC Mirage was a decent game, so I will like to revisit that game, but there is not doubt AC Shadows is likely the Ubisoft finest work, it is likely their sixteen chapel. (As christian expressions go). And the revisit of AC Mirage has a second effect on me. I still believe that Ubisoft with an expansion of the META Quest 3 (or equal device) might instill a global perception of languages. 

As schools are less and less able to fund their own settings. There is a setting that Ubisoft could inspire language skills and that is the next iteration of the AC games. Some tweaking is required, but at present we have

AC Mirage – Arabic
AC Brotherhood – Latin and Italian
AC Unity – French
AC Syndicate – Formal English
Watchdogs Legion – Modern English
AC Shadows – Japanese and Portuguese
AC III – American (they don’t speak English there) 

And at present there is a nagging need for linguistic skills and the larger setting that these games could in corporate linguistic skills and cultural knowledge. Take a look at the past. The Latin community (aka the Roman Empire) handed people skills through ‘Familia Romana’. So there is no real IP setting here, now translate this to all the other languages in a rosetta stone setting and now we have a new ball game. A setting that could be replicated through all manner of books that have been out there in numerous languages. Now set this to AC Mirage and suddenly all the AC fans want to learn these languages. I get that there is a need to seek reinforcements through all manner available. So why not these settings. I think Saudi Arabia does the right thing by giving people something to strive for, especially as the media is crying unsubstantiated allegations since at least February 27th 2021 when I wrote ‘That was easy’ (at https://lawlordtobe.com/2021/02/27/that-was-easy/) Where I blast to pieces the work of the United Nations and its essay writer Eggy Calamari. So there.

Have a great day and let that be a warning to the CSE hiding behind there ‘alleged’ and ‘accused’ parts. I reckon that they might get the limelight for impeding business though little to no founded accusations. This has been going on for 4 years and no factual evidence has ever been presented. In the mean time we can soon enjoy a new chapter in the AC Universe.

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September 12, 2025 · 13:56

As I was having coffee

I was having a coffee this morning, and as I was downing the hot brown liquid I watched two girls laughing and working a few tables onwards as they were laughing and showing their work to each other. The coffee place was empty, os it was an easy effort by them. I reckon that they were working on assignments together. But then it hit me. The ‘What If’ moment. As that went viral in my brain pretty much instantly.

So take the idea:

Here you see ‘Companion’ and it is a simple setting. You have two laptops (optionally with mobiles) and the app creates a shared workspace. A simple virtual workspace where you can share docs, sounds and whatever the laptops can provide. I know there is MS Teams, but the idea is to remove Microsoft from the equation (at any given moment), giving people what they might need (or not). A simple sharing setting when the coffeeshop is not as quiet as it might be, could be the classroom. A simple setting that gives the people a sharable workspace. As far as I know there is nothing out there at present without the ‘taint’ that Microsoft introduces. A simple setting that allows people to share their pages and keynote settings at the mere creation of the moment. Without pesky megabytes of data at the control of Microsoft.

Yup this was a simple as I got it made, In a mere second at the bequest of hot coffee (Cappuccino) in a moments’ notice. So my mind set the simple setting of laptop one (with mobile) and laptop two (also with mobile) and they create the workspace that is in both laptops and that is how you create a simple workspace at a moments notice.

Is it too much?
That is the simple setting that I see and perhaps there is something out there, but as far as I can tell Google doesn’t seemingly have it. As such I wrote it down so someone can tell Sergey Brin that there is an idea out there he might be able to use (I seem to have misplaced his mobile number) As such, this was my day and now it is time to slaughter the troops of Lord Nobunaga, I am going through the Castles of Japan like a hot knife through butter and I am laying waste of his Samurai ranks. Time to destroy whatever he has in Harima and decrease that Obunaga population to near zero. A man needs his hobby I say.

Have a great day and perhaps the coffee of tomorrow will bring another new idea.

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September 11, 2025 · 14:11

Beyond the laughter

Yup, we get that, we scream deriving howl of laughter as the expression goes. For weeks I have been saying the setting was one that was merely expanding and people called me crazy (now, there is a case to be made that I am as crazy as any loon gets), but in this case the setting is different. You see (at https://www.hotelnewsresource.com/article138012.html) we see ‘Abu Dhabi Hotel Industry Achieves Record August Occupancy’ and that is less then 24 hours ago. I stand that Abu Dhabi was on a track to break all tourism records and now I am proven correctly. You see, we are given “Abu Dhabi’s hotel industry recorded its highest occupancy rate for August, reaching 79.3%, according to preliminary data from CoStar. The average daily rate (ADR) increased by 10.6% to AED482.32, while revenue per available room (RevPAR) rose by 15.4% to AED382.25. These figures represent the highest August ADR and RevPAR since 2008.” This shows that Abu Dhabi is on the right track and the numbers will impress others even more and within a year, this is merely seen as average. You see, not only is Abu Dhabi building around Yas Island, Abu Dhabi is gaining global population and even as America should have been countering this with their own options. ABC (at https://www.abc.net.au/news/2025-09-09/australians-with-us-e3-working-visas-hit-with-new-rules/105752706) is now giving us ‘Thousands of Australians living in US face new restrictions on visa renewals’ and the underlying text becomes “The directive, which took immediate effect after it was issued on the weekend, warns visa-holders against the common practice of traveling to countries closer to the US to renew their visas. Some Australians who had made visa appointments in other countries before the change was announced have already had their applications denied at those appointments.” As I said it, it will evoke howls of deriving laughter. It invokes a brain drain and America wants the ‘Americans first’ rule, but when these Americans don’t have the brain power to set this to a workable solution, These people will seek employment elsewhere and that also impacts tourism, because these people will not go back to America for any vacation any day soon. It opens up stages of profit for plenty of places (including the UAE) who is now showing to be a yummy destination for thousands more. You see, the E-3 Visa is limited to 65,000 per fiscal year plus an additional 20,000 for those who have earned a US masters degree or higher. This implies roughly 80,000 people who are now looking for other options anywhere else and they will seek other than American vacation options. 

A rolling stone that starts an avalanche of economic hardship. I wonder how many of them would consider ADNOC, Etihad Airways or the First Abu Dhabi Bank as a worthy employer? Business Intelligence, IT, teaching people all of them are seeking other options I reckon that this will break up a few marriages and then there is the chance that these marriages will all seek a family setting outside of the USA. It would be my idea for the UAE to start poaching these people on an E-3 Visa. They get to pick the cream of the crop and it might be an idea to do this before corporations in the EU figure out the deal they could be having. There is of course the other place (Dubai) and the people at Emirates NBD, DP World and The Emirates Group could see the impact that they could have poaching E-3 visa people. For them they are looking at a pool of people who have been vetted in many ways already and that could be easy picking for them. Of course this is where the evil sneaky person in me is setting the premise to a Google advertisement on browsers and in LinkedIn applications to get people with an E-3 Visa to offer them a way out. I reckon that they might scoop a little over 25,000 worthy employees in under a month. Not a bad deal for the UAE.

It is with great joy that I bring the people the old expression of the grass is always greener on the other fellows grave, or there are a number of expressions that celebrate the additional blunders that the American administration is making. So as I was shown last week that the tourism drain is set to the $60 Billion (I expected this to go to somewhere in the 80-135 billion range, we now see that aside from that, America is now invoking a brain drain of over 60,000 people.

So, not to kick a dog when it is down, this is all the doing of ints own administration and as the tourism articles are saying that Canada is still happy to avoid America, we see that overall nations in the EU, Asia and Commonwealth are basically all avoiding America. I saw last week that for the first time in history China has a more positive appeal than America has. So there is that too.

As I see it, These people could explore their options at https://u.ae/en/information-and-services/visiting-and-exploring-the-uae

Have a great day and try not to be negative over the dumbness of the America administrations. When one door closes another one opens. 

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