Tag Archives: The Independent

August 16, 2015 · 22:47

Hunting for a fee

It has been a mere week since we saw the message from some ‘experts’ on the daughter of David Beckham. What I would call a beyond acceptable choice on the media and its non-stop pursuit of what we consider to be values. It does so whilst doing whatever it can to get ratings, to grow circulation. A tsunami of what we call ‘the Glossy invasion‘.

Yesterday we saw (at http://edition.cnn.com/2015/08/14/opinions/arbiter-royal-photos/index.html), with the title ‘Can UK royals win battle against paparazzi?‘ In my view there will be no battle, as we see the quote “While aides were quick to praise the British media for not printing illicit photos, they issued their strongest warning yet to those who choose to forgo decent editorial practices” as well as “Many would argue that all children, not just those who are royal, should be allowed to play free from the prying eye of a photographer intent on financial gain, sequestered in the boot of his car and equipped with a long lens“. It comes with the final mention “how do you mandate a global press“. Which in my view is very easy, you wage war, plain and simple!

For the larger extent the media has shown themselves to be little more than the mere equivalent of a prostitute with the moral compass that is significantly worse than that of a crack dealer.

But is this the extent of it? Are we overreacting? Let’s face it, pictures are taken every day, we photograph celebrities every day (when we can), but to what extent will we ignore a person’s right to privacy? Many like me, we will bump into the odd celebrity at times, hoping to get a picture or a selfie, many will oblige, take the time and effort. Yet not all are in that mindset, especially when they feel unready to face the scrutiny of the lens. Some will try this at red carpet events when the stars are all ready to be photographed. So those moments are often easy moments to get the star we would like to snap for that Kodak moment. The Paparazzi is another matter entirely. They have always been in the news and when it comes to Royal families, these people tend to go completely overboard. I still personally feel that Lady Diana Spencer was murdered by the paparazzi. Now we see that her grandchildren are increasingly in danger by perhaps even those very same paparazzi.

So is this real danger or alleged danger?

This is a question that is more than just a mere legality, history has shown that extremists will take any chance to propel their own agenda at the expense of anyone else. Which means that for these extremists, the children of the Duke and Duchess of Cambridge would be regarded as legitimate targets and as such the paparazzi could be intended or not aiding said extremists. In my personal view the quote “London’s Metropolitan Police soon after released a statement saying protection officers had to make split-second decisions, and photographers using covert tactics ran the risk of being mistaken for someone intent on doing harm” (source ABC at http://www.abc.net.au/news/2015-08-15/royals-increasingly-dangerous-tactics-photograph-prince-george/6699632) is something to ponder. In my view (again a personal one) shooting one of these paparazzi’s ‘accidently’ might not be the worst idea, it seems that when these individuals realise that whatever they do comes at a cost of life, their moral compass tends to reset towards what keeps them alive.

Yet this is only the introduction to an article that graced the Independent on Saturday (at http://www.independent.co.uk/voices/prince-george-and-the-paparazzi-deferring-to-the-long-arm-of-buckingham-palace-10457349.html). Here we see the quote in the subtitle: ‘the former boss of Hacked Off, a critic of press intrusion, says this time the royals are expecting too much protection‘. Is that so?

Consider this quote: “along with the carefully posed images of George holding his baby sister, Princess Charlotte. The “bad” photos, to be clear, might look cute but they’re not, since they were taken by unauthorised photographers. These pictures are so bad, in fact, that the police have warned anyone taking them that they risk being shot. Has everyone taken leave of their senses?”

I am not sure whether they have!

You see, I personally have the skill to take someone’s head of at three times the distance of what my large lens can do (the 200mm I could afford), so when a paparazzi holding a shoulder mount for their camera, could at 300-600 meters easily be mistaken for a rifle, the Leupold VX-3L 6.5-20x56mm is the size of a Canon lens, so I feel quite outspoken that the police has not taken leave of their senses!

Yet my view in all this is not even that side, it is not the ‘morality’ of the paparazzi, even though they rank up there with ice pushers on a schoolyard. This is not about them trying to get the shots of an adult, this is about children, royalty or not! That part does not matter. Just as another article that saw us in defense of David Beckham’s little princess, is setting us off in equal measure here.

This is not merely about a child with a dummy. This is about what was behind that. Let me re-iterate that. Several sources state “The comfort from sucking on a pacifier provide security and comfort can reduce the amount of stress a baby experiences“. I am not stating that I know why the Beckham’s were in that article, the entire dummy (read pacifier) could be about his little girl not feeling well, yet I feel certain that the paparazzi are leaving their own mark of stress with these children. We all have a direct need to keep children safe, those who cause a child to be in distress can find themselves suddenly surrounded by people wanting to do those transgressors harm and on our scale in general, a paparazzi does not really score that high and after what happened to the grandmother of Prince George and Princess Charlotte we see even less reasons to go soft on those paparazzi.

In my view, the courts seem to have gone overboard to protect the media in the past. When we look at Von Hannover v Germany [2004], we saw that even though an injunction was granted, we see that ‘allowances’ are made for public figures. We tend to get the following “a public figure does not necessarily enjoy the same respect for their private life as others, as matters of public concern might justify the publication of information about that person that might otherwise interfere with the right to privacy“, yet in this light, clear consideration must be given to children, especially those under 17 to be regarded out of bounds. If we can accept that Harper Seven Beckham is showing possible signs of stress, stress that could very well be brought through unbalanced and unwanted exposure to the media and strangers, the law will require additional tightening, especially in regards to the right of privacy and additional optional prosecution to those invading that privacy.

In the case of the very long lens that case is much harder to make as the perpetrator is nowhere near the victim, yet in that same case, in the case of Prince George and Princess Charlotte, the possible interpreted danger to their lives by the people assigned to protect these royal members, to them the option arrives that any threat to the royal family must be met with deadly determination if need be.

As such, responding to the allegations in the independent, no one took leave of their senses. Some took leave of common sense for money and that tends to come with a consequence. Yet the article in the Independent is quite good, it asks valid questions. When we see “People are allowed to take pictures in a public place as long as their behaviour doesn’t amount to stalking, in which case it could have been dealt with under the Protection from Harassment Act“, this is a valid point. But in this case there are two additional elements. The paparazzi could easily be mistaken for a Predatory stalkers, an individual spying on a victim in order to prepare and plan an attack, which led me to the extremist link. A side that the writer of the article should have mentioned more prominently. In addition, this is not against adults, this is against children, a group that deserve additional layers of protection, no matter how public a figure their parent is, or both of them are. A situation that applies to both the Duke and duchess of Cambridge as well as the Beckham’s. The Independent does raise parts again when they state “The couple may fear a terrorist attack, but that’s a reason for reviewing overall security, including the wisdom of allowing George to play in a public park“, which again is a fair enough statement. Yet in equal measure is that until that fear is reasonable, having children to be a child everywhere is a given right to the child and as such we, not the child will have to make allowances, including an extended right to privacy and security. A side Niraj Tanna seemed to ignore for what is likely to be founded on income, not any greater good.

So does Joan Smith, former executive director of ‘Hacked Off’ have a case here? She brings it well enough, but in my view, elements are missing. No matter whose children they are, children are entitled to extensive layers of protection, especially against paparazzi and outside (read non family based pressures). Even if these hunters take their respectable distance, the pictures will haunt them forever, they will become the object of extreme obsession to some, which tends to go wrong at some point.

In light of consenting to photography, the ‘non-consenting child’ seems to be the factor that many seem to ignore. Media law is due a massive update on a global scale, we have catered to what people regard as ‘freedom of the press’ for far too long, a press that seems to take a wide berth around PriceWaterhouse Coopers and Tesco issues (the PwC side of it), or the SFO matters connected to all this. Now, we can understand that that issue is not something that is of interest for the Glossy magazines, but the media is for the most not some little magazine. They are conglomerates. Companies like Bauer Media and VNU can invoke pressures that can paralyse governments. They control dozens of magazines that can change public opinion in a heartbeat. They only way to deal with this is to adapt laws that give added protection to media exploitation of children, whether they come from public figures or not. In addition it is interesting to raise the case of Paparazzo Richard Fedyck from April this year. The quote “The Vancouver celebrity photographer faces charges of assault with a weapon, dangerous operation of a motor vehicle and criminal harassment. He made his first court appearance after arriving hours in advance in a bid to avoid cameras and media” gives us the clear view that the paparazzi tends to be camera shy. It is equally hilarious that we get “his defence lawyer Jonathan Waddington immediately asked for a ban on publication of the court proceedings”. Irony is such a lovely dish at times (at http://www.cbc.ca/news/canada/british-columbia/paparazzo-in-ryan-reynolds-hit-and-run-case-makes-court-appearance-1.3053082). So it seems that privacy is treasured by paparazzi when they are the focal point of issues.

It is high time that some legal media matters change as soon as possible, especially where it concerns children.

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Tagged as ABC, Bauer Media, CBC, CBC Canada, children, CNN, David Beckham, Duke and Duchess of Cambridge, Hacked off, Harper Seven Beckham, Joan Smith, Jonathan Waddington, Lady Diana spencer, London's Metropolitan Police, Niraj Tanna, Paparazzi, Pricewaterhouse Coopers, Prince George, Princess Charlotte, Protection from Harassment Act, PwC, Richard Fedyck, Tesco, The Independent, VNU, Von Hannover v Germany [2004]

January 2, 2015 · 10:54

Misrepresentation

That was the first word in my mind when I looked into the Guardian seeing the following headline ‘NHS cancels 3,000 operations in two December weeks‘ (at http://www.theguardian.com/society/2014/dec/28/nhs-cancels-3000-operations-in-two-december-weeks), it is not the only NHS story in the Guardian and to be fair, there has been an awful lot of bashing of the NHS, not entirely in an unfair way, but it has been in a very misrepresented way.

I have written about the NHS a few times, with the main reason that whatever hits the UK, will hit Canada, Australia and perhaps even New Zealand, later if not sooner. The small inserted text “The figures, highlighted by Labour” is entirely an issue too. Perhaps the Guardian might also want to illuminate that part of all this is DUE TO the actions of Labour, not just illustrated now by Labour. It all starred in the age of Blair, perhaps not the most unknown Prime Minister of the UK (1997-2007), followed up by former Prime Minister Gordon Brown who continued the mess from 2007 to 2010.

So why blame them?

Even though the project started in 2002, during these three administration cycles, that project was blown in access of well beyond 10 billion with nothing to show for it. 10% of that fund could have prevented well over 80% of all current NHS issues. So, I will state that Labour might not have started this mess; they definitely were in the midst as it got bungled again and again. When we consider the September 2013 article (at http://www.theguardian.com/society/2013/sep/18/nhs-records-system-10bn), where we read “CSC’s contracts could not be cancelled because a legal challenge by the company may well have succeeded, the report claimed“, we can see that this issue was bungled in several departments, the IT branch not being the smallest one.

Yes, we know, we see and we all feel that any NHS system costs us, but this fiasco is beyond the entire budget of the Ministry of Transport for 2015, so we can say that there are issues. Whatever we will hear in defense regarding how things must move forward, the current administration is still cleaning up the mess of Labour, best way they can (with emptied coffers), so the sanctimonious highlighting by Labour (not unlike the current acts of Labour in Australia), should be looked at with some contempt. When the previous landlord sells the garage, he does not get to remark on how less ‘clean’ the car is, when he had removed the shelter in the first place.

When we see the quote ““To reduce pressures on hospitals and to keep a flow of patients coming in and leaving hospital, we need to manage the number of available beds more efficiently. To achieve this, we need to reduce unnecessary admissions and visits to A&E and improve community care.”“, we should add to that that the system was meant to be better by having an actual system. When we consider a previous made quote “Dr Mark Porter, chairman of the BMA, says £20bn savings drive to blame, as doctors and nurses are made redundant“, we must now remember that wasting in access of £10bn for a non-working IT system has everything to do with that part. But that is only one factor.

For the next part I need to refer to a decent article in the Independent (at http://www.independent.co.uk/voices/comment/the-myth-excessive-government-borrowing-got-us-into-this-mess-8601390.html). There we see the following: “In fact, government borrowing did not get us into this mess. As we shall see, the last government did not borrow excessively, whilst the recession was a consequence of overleveraged banks and the collapse of the US housing market. The banks overextended themselves in poorly regulated financial markets, indulging in high-risk lending in the belief that a housing bubble would never burst“, this is absolutely true, yet not entirely correct. consider in 2008, Gordon Brown was handed a lemon for sure, yet, the strong measures that should have been taken, like cutting back hard, especially in late 2009 onwards, were also absent. The article has a few other ‘represented’ events that are true, yet incomplete, you see, no one will deny that the banks were all at fault for the bulk of the mess, yet harsh acts afterwards were mostly none existent, moreover, many of these big wigs went home with a golden handshake a fat donation to their bank account and enough to buy a ‘St James Hamper’ for all the members of their family (Catalogue Code: 2099429 at http://www.fortnumandmason.com).

So when we see the current Labour highlights, we need to take a few more details into consideration and can we agree that those issues were absent in this article?

So when we see the very premature promise of “He pledged Labour would invest an extra £2.5bn in the NHS each year, resulting in 20,000 more nurses and 8,000 GPs“, we need to consider that the bungles under labour had costed many of them their jobs in the first place. The NHS still needs a much better IT system then it has for now and until this is completed these issues will remain, trusting labour to get the job done is really not a good idea. We could misrepresent that we currently have well over 10 billion pieces of evidence to make that case. I will let you mull over any contemplation in that direction of financial deficit.

By the way, when considering that part, we must also consider Wednesday’s article (at http://www.theguardian.com/society/2014/dec/31/sexual-violence-soars-uk-hospitals), there we see security issues of several levels in the Guardian, now reread the issue from December 28^th, at that point, these issues would have been clearly know. There is no mention of security or upgraded HR needs; just nurses and GP’s, so how out of touch is a three day old statement that did not consider known details at that very moment?

I see this as an out of touch Labour government that is highlighting and promising, yet the highlight is incorrect, the promise in inaccurate, perhaps even insincere and all of this in completely unrealistic (personal note: it sucks to be Labour at present). This is the view from Labour, whilst only looking at the issues that are touching the NHS, one of the most important issues that will remain around in the coming decade. I hope that the siblings of the UK (Read: Australia, Canada and New Zealand) take these thoughts into consideration, because if we ‘the Commonwealth’ in the upcoming age of IP want to survive, we need to up the game in several areas buy a lot! In this regard IP is not just a piece of software; our Intellectual Property is not just software (even though it is largely regarded as such). If we consider that the mind is the software of the brain, we need to rethink the premise that Big Business has forced us to make in the age where ‘they’ had set the target, the premise and the consequence. If we take the basic approach where ‘the Turing test is a test of a machine’s ability to conclusively show intelligent behaviour that is indistinguishable from a human being’, can we make a similar statement that ‘a system’s adherency to set and cater to a rule of definitions, which in turn allows servicing the need of a community’?

So what if we invert the current situation as we might see in the paper by Alan Turing ‘Computing Machinery and Intelligence‘ around 1950. Our systems have been exceeding the ability of those computers for a long time, yet as technologists have been greed driven into a iterative release of hardware (and software), we ignored use of innovation in UNIX (or LINUX or SE-LINUX), to truly drive productivity as large players like Microsoft, to cater to profits forced business to take a step back, to be the sheep carrying the pay checks for these large corporations. So as we stare at the words of Alan Turing and as we look at the words of cognitive scientist Stevan Robert Harnad, where we wonder whether a machine can act indistinguishably, we all forgot (an implied assumption by me) about the part, ‘can a system truly cater and flexibly work under a premise of security as it caters to the need of health officials’, so that they can focus on treating and curing. A system bogged down by consultants and speculators on how it ‘must’ be, whilst ignoring the small academic innovators on how it actually could be.

Whilst dishing billions to a company with a legal challenge, we all should have looked at the future of IT as these minds were shaped at universities. The technologies required were never with the people in office now, they learned the previous iteration of technologies, the actual innovators are at university now and catering into that direction at 1% of the cost is more likely a solution then the one not delivered at present. Consider for a moment the PDF (at http://www.england.nhs.uk/wp-content/uploads/2014/02/rec-man-pol.pdf). Now, there is nothing wrong with the entire approach to the document, yet at 5.9.12 we suddenly see “Be aware when redacting Microsoft Word documents electronically by using the black highlight text tool as this process is reversible. A Microsoft Word file converted into PDF can be easily read merely by copying if from PDF back into Word” suddenly we see that Microsoft is just part of all this, a ‘simple’ formatting is now a Microsoft based guideline. Why?

At 5.18.1 we see: “A secure drive (S:drive) has been created to hold such data and staff should contact openservice@atos.net to request a secure folder“, so this goes via a French multinational IT services corporation headquartered in Bezons, France, making 10 billion in 2013? How much of that revenue is coming from the NHS, and why is this cost not going through a British company (seems like an awfully simple question to pose). By the way, one other thing to notice is that the Glossary after page 27 shows the term ‘metadata’, yet the document itself leaves the term metadata unused, which refers to Protective marking, only discussed in Appendix D, where it is mentioned to the minimised extent. Although this document should not be seen as any representation of NHS IT (the document is actually a very decent piece of work), it should leave us with several questions, we might not get an answer to, if not for the now, then definitely towards the goal the NHS must steer to if it wants to survive beyond 2015, just adding funds will not do, and the funds Labour offers are those they have no access to until after an election, which will then be the funds that are non-existent as the present shows.

So where should we look when we are confronted with these misrepresentations (as I see them)?

I am not telling, just asking!

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Tagged as Accidents and Emergency, Alan Turing, Atos, Australia, Bezons, big business, Canada, chairman of the BMA, Community, Computing Machinery and Intelligence, Dr Mark Porter, england.nhs.uk, France, Gordon Brown, Labour, LINUX, metadata, Microsoft, Ministry of Transport, NHS, Prime Minister Gordon Brown, Prime Minister Tony Blair, SE-Linux, St James Hamper, Stevan Robert Harnad, the Guardian, The Independent, Tony Blair, UK, UK Labour, UNIX, www.fortnumandmason.com

September 29, 2014 · 22:50

Vindication

Today is turning out to be a nice day after all. I have made mention on more than one occasion that I am not an economist, I am an analyst and for some time now, the numbers have not been adding up. Certain action had been taken and they never made sense. The issue I had is that because the press seemed not to dig into this gave a decent amount of persuasion that I might have been wrong, which would have been fair enough, yet I know data, I lived data for decades and the numbers just did not add up.

Yesterday I saw a first glimpse, and today there is now a clear indication that I had been right all along. Goldman Sachs had been a part of a lot more than many can fathom. So whilst Cuppa Joe and the press at large has all been about the ‘naughty’ intelligence branch, they all ignored the trap behind it and let the banks do whatever they damn well liked.

One step back

The first inkling was Goldman Sachs directly in my blog ‘Banks, eunuchs of a new congregation‘ of February 7^th 2013, more than 1.5 years ago! In there I gave this quote: “It is almost that there is a voice whispering in the ear of Dutch Finance minister Jeroen Dijsselbloem. The whispers seem to be about the Bad Bank and the whispers could involve Goldman Sachs” and “This thought was also mentioned by Rolfe Winkler at the New York Daily News. How is it even possible that a company that seems to have been one of the major reasons for the financial meltdown be regarded, or even ALLOWED to make any continued presence?“, this would get followed by my blog ‘The Italian menace?‘ on February 10^th, 3 days later. “Berlusconi, who said he won’t seek the executive position but rather prefers to become Finance Minister, has seduced the masses saying he will repeal a property tax imposed by Monti, returning about €4 billion“. These elements are all in league with one massive step. As these members are directly linked to Goldman Sachs. Not just Berlusconi, it is also Mario Monti who has direct links to Goldman Sachs (at http://www.independent.co.uk/news/business/analysis-and-features/what-price-the-new-democracy-goldman-sachs-conquers-europe-6264091.html). The independent article shows even more, steps that I had not looked at (for various reasons). Yet, overall Goldman Sachs has been keeping their fingers in all these pies.

In the near past

As we look at the events in the near past I wrote ‘Two deadly sins‘. It was November 27^th 2013. There we see the following quote “After the issues we had seen in the last 3 years, I started to doubt the correctness of the Dow (and I reported on that in past blogs). It goes up and up, but with JP Morgan Chase, Goldman Sachs, VISA, American Express putting pressures on those numbers, the three big boys (drugs) could rock the boat in a massive way, which scares Wall Street to no extent. Greed and Treason, it is all connected and it hits us all critically hard sooner rather than later!” I had no idea that I was so much closer to it all then I thought. That part has just been made clear!

Now

The Huffington post (at http://www.huffingtonpost.com/2014/09/28/elizabeth-warren-new-york-fed_n_5896778.html), has just release this article stating that “Sens. Elizabeth Warren (D-Mass.) and Sherrod Brown (D-Ohio) are both calling for Congress to investigate the New York Federal Reserve Bank after recently released secret recordings show the central bank allegedly going light on firms it was supposed to regulate“, but there is more, like a bad infomercial from TV we see the added flavours that would silence Dante Alighieri and reduce Niccolo Machiavelli to a mere checkers player when we consider the additional quote “Segarra says that she was fired from her job in 2012 for refusing to overlook Goldman’s lack of a conflict of interest policy and other questionable practices that should have brought tougher regulatory scrutiny“. So, this was NOT just the banks, this seems to imply that the US government themselves have been linked to the massive degrees of freedom that Goldman Sachs has been enjoying. So that leaves us with the thought that the EEC is not enjoying any freedoms at all, it is enjoying the allowance to decide on how much they all are in debt to Goldman Sachs and whatever is behind them. Because, a choice of one is not a choice, it is a directive and now we see the amount of people that have been involved in orchestrating all this.

I wonder if the mentioned 48 hours of taped conversations will ever make it into the daylight, chances are that this will get locked up real fast. As the American people were so smitten with a joke called Snowden, they all got played into the side where the banks were given freedom of movement through all this and the press at large did NOTHING to truly look into the dangers their populations faced, it is the ultimate Machiavellian play.

I particularly liked this quote “In one instance, she said she alerted a colleague that a senior compliance officer at Goldman had said that the bank’s view was that “once clients became wealthy enough, certain consumer laws didn’t apply to them.” Segarra claims that her New York Fed colleagues asked her to ignore the remark and change meeting minutes she had taken, which contained evidence of what the Goldman executive said“, which basically means that the rich do not just get a free play in the game, they remain unaccountable beyond a certain point. Did we who will never be rich sign up for that? I have no issue with people becoming rich, providing it is through non-criminal ways, yet the fact that this also implies non-accountability to the law is an entirely different matter. If you think that this is not an issue, then wonder what a firm like Microsoft is getting away with or Goldman Sachs for that matter. It is easy to remain unaccountable when the lawmakers are in your pockets.

Recently

Now this all links to another party, who only recently got visible thanks to a ‘dubious’ ideologist as he exposed the Swedish left winged system. I am talking about Natixis! Its assets exceeds well over half a trillion dollars, not bad for a French bank! Why are they here? You see, I always saw that there was more to Goldman Sachs, yet as my stories were never explicitly about Goldman Sachs, but about events that involved them, Goldman Sachs was clearly on my radar. Natixis until the Swedish election was not, nor needed it to be. Yet when we look at their Portfolio of Investments – as of December 31, 2013, we see that they are linked to the bulk of large corporations and their financial needs. They also have a nice little chunk of Goldman Sachs. Now we have a race, because together they hold over 1.5 trillion in assets. Are we all awake now?

Two corporations with the power to shift, change and pressure government oversight in America and pretty much the entire European Economic Community, is more than just a nuisance. Remember how Goldman Sachs promised (read threatened) to transfer a substantial part of their European business from London to a Eurozone location – the most obvious contenders being Paris and Frankfurt. It was a statement by Michael Sherwood, co-chief executive of Goldman Sachs International (at http://www.theguardian.com/business/2013/dec/04/goldman-sachs-warns-london-exit-britain-eu), at this point we get to wonder whether it was a business decision, or whether it was a phone call from a person with direct access to the ear of the President of the United States (yes the last part is an assumption on my side, but is it such a wild one?), if any of this is ever confirmed, I reckon that this is the one straw that breaks parliaments back and results in a shift of power to Ukip so fast it will make all the heads in Whitehall spin.

This is just the parts I got a hold on, I feel certain that a REAL investigative journalist (if one still exists) would have been able to find a lot more, yet nothing has made the papers in this regards for close to two years. You should really start to ask the question why!

Because, when we see the press entrap MP’s with fake profiles, whilst ignoring these levels of power, then the press has failed on so many levels it is not even funny anymore.

Tomorrow

Today is the start to plan for the questions that many should be asking government and the press tomorrow, the press because they seem to be asleep at the wheel, asleep that two companies have so much power that they can set the entire political tone. Freedom has never been about this. Freedom lost, because of what I regard to be cowardly (and possibly greed driven) politicians who are enabling a group to be flaccid economists to empower wealth and greed and condemn us to consumer based slavery until our numbers are no longer balanced as profitable.

How can we ever attain a better life, or in regards to the links that I recently discovered any form of a healthy life at all? Will be see vindication, but who in the end gets vindicated is an entirely different discussion.

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Tagged as American Express, Berlusconi, Community, Dante Alighieri, Dutch Finance minister Jeroen Dijsselbloem, Edward Snowden, EEC, Elizabeth Warren, Goldman Sachs, Intelligence, Jeroen Dijsselbloem, JP Morgan Chase, Mario Monti, Michael Sherwood, Natixis, New York Daily News, New York Federal Reserve Bank, Niccolo Machiavelli, President of the United States, Rolfe Winkler, Segarra, Sherrod Brown, Swedish, the Huffington Post, The Independent, UKIP, VISA, voice, Wall Street

June 30, 2014 · 13:43

Exit strategies anyone?

Today is an interesting day. The article in the Guardian (at http://www.theguardian.com/world/2014/jun/28/european-union-exit-will-harm-britain-says-cbi) is well worth reading and in addition, I must state that I am not sure whether I have made up my mind what would be the best course of action. I have been on both sides of this and I am currently on the fence. First of all, the UK must do what is best for the UK and beyond that the UK should do what is best for the Commonwealth. I personally think that this is the status as it should be at the moment. The question becomes whether Europe is the best for the UK. I am not talking about the Juncker issue (even though that seems to be part of any decision), but where should we be? The headline states “EU exit will harm UK, says leading British industry group“, yes THEY will talk in their own interest, they always do. The Eurostat numbers are unconvincing (at http://epp.eurostat.ec.europa.eu/cache/ITY_PUBLIC/2-22012014-AP/EN/2-22012014-AP-EN.PDF), today’s reserved savings are tomorrows signal to abundantly overspend funds, that much has been seen again and again ever since 2009, when the taps should have been closed. This is also at the heart of the matter for what is best for the UK. And in all honesty, the UK has overspent their quota a fair bit too. Now we have a new issue. Up to 2013 we got to see a picture from some of the more decently reliable sources, yet, now later in 2014, there is almost nothing on the projected and actual numbers for 2013. There lies the hidden issue, it is not that there is little, there is too little information now, so who to believe. When governments are not boasting, they are definitely hiding some issues under the carpet and those issues will impact the UK too. I will not bore you with the numbers UKIP gives us (at http://www.ukipmeps.org/uploads/file/Cost_of_the_EU_25_5_11.pdf), they are talking their own brand of flavour, as would Prime Minister David Cameron, but where is the truth?

My benefit here is that I speak half a dozen languages, which gives me additional sources. The ‘Nederlands Dagblad‘ gives us (at http://www.nd.nl/artikelen/2014/februari/28/lagere-overheden-verwachten-te-hoog-tekort) the following: “Gemeenten, provincies en waterschappen verwachten dat hun begrotingstekort dit jaar uitkomt op 3,7 miljard euro. Dat is zeshonderd miljoen euro meer dan volgens de afgesproken norm mag” [translated] “Municipalities, counties and Water boards (a flood control and water resources management group) expect that their budget shortage will total at 3.7 billion, which is 600 million more than agreed upon“.

So the Dutch are already coming up short at present. This does not mean that this will be the end result! At http://www.bnr.nl/nieuws/beurs/487506-1302/liveblog-economie-krimpt-begrotingstekort-naar-33-procent-in-2013, we see the mention that the Dutch will have a budget shortage of 3.3% in 2013 and 3.4% in 2014. How much of this is correct, and when were some projections made?

We see the Dutch news on how the American economy is down 2.9% and that Bank managers are now getting a sizeable raises, yet the overall shortages of the Dutch is not really discussed on sites with above average reliability (like the NOS). The only one in a ‘happy happy joy joy’ position is Germany who now seems to have a budget surplus. Again, the harsh cuttings Germany did from 2010 onwards paid off, but they seem to be the only one. France deficit was set at 4.1% for 2014, so as we see the list grow, is it truly a good idea to stay in the Euro group? Industrials might think this, but they will not be confronted with the financial measures that will hit the UK and its taxpaying citizens. I was at first in the same boat where I thought that going out of the Euro was a bad idea, but as we see the growing concern of nearly all EEC countries going over the deficit limit, can the UK afford to stay in there? Moreover, will staying in until 2017 turn out to be a dangerous issue?

This is part of the issues, which I have stated before. When, not if the American economy goes over the edge, those in deep debt will get a new approach to humility. That part is still a dangerous situation for the UK as well (with a balance of almost minus 1.5 trillion). So, the dangers of additional debts from Europe would cripple the UK as well. This is as I see it part of the reason why the UKIP got such a huge success. The bulk of the politicians and all the other parties have been dancing around the economic situation. Most people have noticed it and 26 months of ‘feigned’ economic recovery is nice for the industrials, yet the people have not seen ANY improvements in their lives, which is the centrepiece of all the stress out there. This is part of the situation all are avoiding.

If we consider the Independent (at http://www.independent.co.uk/news/uk/politics/tony-blair-nigel-farage-and-ukip-are-deceiving-british-public-and-holding-back-the-unemployed-with-immigration-rhetoric-9472289.html) we see another side. I would be willing to agree with this, yet the voice of Ed Miliband is not giving decent clarity and David Cameron is voicing the need of big business (to a larger extent), they all are talking in their own fast lane and the people end up being not in any good place.

Even now, less than an hour ago, Ed Miliband is quoted by Reuters as ‘looking to shed the anti-business label‘, which gives a lot less security to the people. In this confusion Nigel Farage is cleaning house as he is stating what people seem to want to hear. The correct critique remains how truthful are his statements?

This is what is driving the people in regards to an exit strategy. As the news is playing a game of what I personally regard as ‘managing bad news’ in several nations, the people are catching up and losing faith in governments in general. This is partially driving the demand for a European exit. The people are losing faith in the ‘facts’ as presented, because good news gets overinflated, bad news is managed and the press seems to help out governments and big business in not giving proper tallies, as too many are depending on advertisement funds (often from Big Business). We all seem to watch a weighted scale. Under those conditions, many prefer to go it alone and see that part return. Let’s not forget that before the Euro, the UK was in a pretty good position. The entire mass flocking to UKIP are remembering those days and they are hoping that they will return to these days and UKIP is talking right into that alley of expectations.

In regards to the article with the quote involving Tony Blair “The answer to the white, working-class unemployed youth in alienated communities in Britain is not to tell them their problems would be solved if there were fewer Polish people working in the UK, he said“. I tend to agree, but the truth is that these Polish workers seem to be getting some jobs and this is causing more stress with those desperately seeking work. I am not voicing any anti-Polish thoughts, the question becomes how did they get those jobs and more important, if this is how some businesses are getting cheap labour, why is this not dealt with in regards to unfair working conditions. The Telegraph (never a great source for quality info) is publishing articles on how 10% of a company is Polish. This is getting to the people, who do not look at the whole picture. The Independent is bringing us a much better story quality wise (at http://www.independent.co.uk/news/uk/home-news/migrants-in-britain-a-decade-on-the-poles-who-brought-prosperity-9278710.html). The article by Emily Dugan shows the story of a Polish entrepreneur, who because a success through hard work, employing dozens of people. This Radomir Szwed shows another side, one that does not get illuminated that often. It is a story all should read, only to show that immigration is not a source of job losses, but one that brings jobs too, yet the Telegraph is not that likely to bring such a story.

All this brings us to a less appealing story in the Guardian (at http://www.theguardian.com/politics/2014/jun/18/nigel-farage-far-right-european-parliament). As the power of Nigel Farage grows in regards to his European side whilst joining with former members of French ‘Front Nationale’ and a more extreme viewed Swedish party, the issues will continue. Even though there is debate on Nigel Farage, he sees himself as the person to voice the needs of Britain, a voice Prime Minister Cameron lost when his opposition to Juncker was defeated 26-2. If Nigel Farage delivers any victory for the British people in any way, the powers in the UK will change leaving the Tories very little options in regards to the EEC. Will David Cameron be forced to call an early vote to exit Europe? Perhaps Nigel Farage will have that option as he currently has the strongest options in Europe. However, not all is well in that regards either, now the votes are done, we see a splintering in what was a solid danger. Some are re-establishing themselves and some are defecting to the new Le Pen group. So, not all is quiet on the eastern front with the EEC.

These matters will bring question to any exit strategy we see on the European front. No matter what happens, until the people get some clear information on how the debts are, where they are and how deficits are going as well as their own options, there will be no relief. The party that brings the best story and adds true relief on the hardship the people in the UK currently have will get a massive spike in votes.

I am not sure any exit strategy will bring that, yet, when we consider the response by Richard Branson (at http://www.virgin.com/richard-branson/why-an-exit-from-eu-would-be-bad-for-british-business), my response is that this is not a given either. If we see what some Commonwealth partners are agreeing to within the TPP (Trans Pacific Partnership), then we are seeing how politicians seem to be lining American Big Business pockets, whilst not overly protecting the their own local interests. This will in the end hit back to the UK as well. Consider that these Trade Agreements are not at all discussed out in the open (which makes sense until some point is reached). It seems to me that the UK needs to talk to Australia, Canada and New Zealand at that point. Because not only will the TPP impact the UK, whomever signs the TPP could be in for a long rough spell whilst US and Japan will hunt down a new currency, which is no longer the dollar, but a currency named IPR (Intellectual Property rights). IPR will be the new gold over the next 10 years. Those who have enough of them survive.

This is the unspoken side of the exit strategy. As the EU is chained to the US in several ways, the UK must secure its future in any way it can, yes we must all get rid of our debts, but in equal measure the UK will rely on its entrepreneurs, which includes people like Radomir Szwed, that is the side UKIP is not really talking about and their immigration changes would have negatively impacted the UK.

I remain on the fence on whether the UK should or should not leave, but complete clarity is a must which is a side the press, in all their whining after the Leveson trials have remained awfully unclear about.

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June 24, 2014 · 11:24

The sharks are circling

Today my mind was stopped by a Guardian article of a different kind (at http://www.theguardian.com/world/2014/jun/23/sir-tony-oreilly-irish-billionaire-insolvent). The headline was interesting enough ‘Bank pulls the plug on Irish billionaire who owned Independent‘, but that was not the reason for my interest. To be honest, it was not the fact that some rich ‘boy’ was hitting bottom either. You take any spoiled millionaire brat and the moment he is funding his trust into cocaine, you know he is worse off than whichever other rich person losing it all.

The following quotes are not the interesting part, but they are essential for painting the picture. “O’Reilly went on to a successful business career, rising to be chief executive and chairman of the giant US food group Heinz“, and whoever knows about their Ketchup, knows they have the good stuff! “Lawyers for Allied Irish Banks said on Monday the bank had run out of patience with O’Reilly’s efforts to repay €22m (£17.6m) of loans and a further €23m due from two of his investment companies. The court was told he had further debts of €195m. AIB accused the fallen tycoon of being insolvent and asked the courts to enter a judgment against him which would allow the bank to take control of key O’Reilly assets” gives us little more than the position he has gotten themselves into and “O’Reilly told the bank last month he had sold investments worth more than $150m in the past three years, all of which had gone to repay borrowings. But AIB claimed only a fraction of that sum – $300,000 – went towards repaying its loans. Other creditors, who are owed about €195m, have agreed not to pull the plug to give O’Reilly more time to sell his assets in an orderly way” gives us only a small indication on the matter how things are resolved. The next shows that this is no dumb boy, we know that the Irish can at times be pretty clever, yet the quote “He became chief executive, based in Pittsburgh, in 1979, and 12 years later was the first non-family member to become chairman. O’Reilly helped to transform the firm – its market value rose from $908m (£533m) to $11bn.” implies him to be a genius. When you change a company and up the value by 1100%, you are what some might say, the stuff of legends, which is only confirmed by “When he bought into the Dublin media company, it had a turnover of just €12m but under his ownership it grew into a worldwide company which at one point included the Independent in the UK as well as publications in Australia and South Africa. He stepped down as chief executive of the company on his 73rd birthday”

There is a lot more to the Independent News & Media group which runs into the billions and then it suddenly hit me. This was all strangely similar to the movie Meet Joe Black, made over a decade before these events were taking place. Was Anthony Hopkins portraying Sir Anthony Joseph Francis O’Reilly? If so, I would love to hook up with his daughter (Claire Forlani, we men have dreams too after all). His ownership also included Waterford Wedgwood plc; those who care about China porcelain will know it to be one of the most revered brands ever.

So what is this about?

Things do not add up completely as I see them. It is like watching a pattern that does not really exist. Giving into it is merely voicing the conspiracy theorist in us. Take this quote from Wiki (not as an academic value, mind you). “The markets reacted positively to the news, especially to the explicit truce between the O’Reilly and O’Brien shareholder blocs, with Denis O’Brien voicing public support for Gavin O’Reilly as CEO-designate“, the approach before was that he had gone in so deep that his hunger for media truly rivalled that of Rupert Murdoch. A group, having assets in excess of 4.5 billion, whilst having almost 1.5 billion in debts. Some will not see any issue at this point. Consider that the revenue is almost at 1.7 billion and the profits are set at 110 million. So, even though not too bad, it is not a great position. This is what some might say a good time to start selling off the smaller parts. Of course this is still not on the mind of Sir Tony. This is where the Wiki quote becomes interesting. You see, Denis O’Brien seems to be the pushing element and his son is set to get the CEO position. So far there is an awful close resemblance to that movie ‘Meet Joe Black’. From the moment Gavin O’Reilly takes over and he is pushed out due to the pressure of Dennis O’Brien, it is a mere 3 years. By that time Dennis O’Brien holds onto more than twice the amount of shares the O’Reilly’s have.

This is part one. In this time, from my point of view, as the power is still firmly with the newspapers, Dennis O’Brien is already moving into telecom and radio stations. He is now regarded as one of the larger players in the UK. However, this is about Sir Tony O’Reilly.

When we see his assets, I almost see a picture of sliding technologies and Sir Tony did not move with his times. Whether it started with the removal from INM is uncertain. What is clear is that he had grown several businesses into behemoths, which makes the collapse of Waterford Wedgwood plc a mere ripple in a very large pond. The fact that his second wife is even wealthier than him should not matter, but the losses he and his brother in law (brother to his second wife) seem to tally towards half a billion.

Here we now see a certain pattern forming, even though thus far I have not mentioned the elements to that loom. Any person has values, profits, incomes as well as credibility. One element is the pushed change by Dennis O’Brien from the side of Independent News & Media. It goes however a lot further. Consider the situations the banks are in and have been in for at least 5 years. There are literally tens of thousands of people too far in debt with little chance to repay it. Then the information in the Irish Times hit me (at http://www.irishtimes.com/business/sectors/media-and-marketing/sir-anthony-o-reilly-locked-in-debt-negotiations-with-aib-1.1805920), and the one part I had almost ignored in the Guardian became a lot more visible. The bank, which was seen 4 times as ‘AIB’ in the Guardian article, gets a prominent place in the headline. So why is this an issue? Consider the following two quotes from the Irish times “A case has been listed for entry into the Commercial Court on Monday between AIB and Sir Anthony and two of his investment vehicles, Indexia Holdings and Brookside Investments” and “Brookside owns Sir Anthony’s coastal estate in Glandore, Co Cork, while Indexia is his private investment vehicle that holds his near 5 per cent stake in Independent News & Media and his share of the oil explorer Providence Resources“. So, there is no link, or so one would think. It is however weird that even in delayed matter, this is one customer that would repay the debts, so why this push? Is it not weird that forcing the hand of one party who will repay is somewhat strange in this day and age? Then we get this message (at http://www.independent.ie/business/irish/oil-giant-exxon-starts-160m-drilling-project-off-west-coast-29163728.html), which is more than a year old. Was oil found, is there a chance to find oil here? If not, then this is another half a billion bust for Sir Tony, making him pretty much broke. The following was found in the ‘ShelltoSea‘ site (at http://www.shelltosea.com/node/1890), considering that Providence resources (a Sir Tony company) is a partner in this then this quote “The Dunquin North and Dunquin South prospects hold combined recoverable reserves of 8.4 trillion cubic feet of gas and 316 million barrels of condensate, according to an offering document posted on Schlumberger Ltd’s IndigoPool Web site” means that there are vast amounts of money there, which makes the actions of the AIB odd to say the least.

Consider the Russian issues that are currently playing, whether they happen or not, will influence the value of the gas that was found. It is still the question whether oil will be found, it was not up to July 2013 as was reported through Reuters, yet the given options mean that there is still a vast amount for Sir Tony to hold on to his 750 acre cottage. It is the final link we get when we read this headline “Taxpayers will not lose money on the bailout of AIB” (at http://www.independent.ie/business/irish/taxpayers-will-not-lose-money-on-the-bailout-of-aib-bank-chief-30367989.html), So it was not about Sir Tony, it was about the other acts by the bank, holding onto the loans for Sir Tony that are now the issue of a possible upcoming forced fire sale. The banks statement “He added that the bank has paid more than €2bn to the State in fees and interest on rescue loans since the crash” give the message we were wondering about. The banks are slowly losing options, the money us due and as such, some visionaries are now under the hammer. Whether the acts of Denis O’Brien are at the centre of what could be seen as the fall of Sir Anthony Joseph Francis O’Reilly remains to be seen. The acts that are clearly within the realm of ‘the cost of doing business‘ are drawn in the sand. It reminds me of the quote Penn Badgley tells Zachary Quinto in the movie Margin call. ‘In the end one man wins, one man loses‘ is harsh and to the point, but as Zachary responds ‘You know that there is more to it than that‘ is equally correct. Two movies both created before the actual events that played out here are giving us the fact that sometimes life is like the movies, even the bad parts.

Sir Tony is a first eye witness to these events. What we at the sidelines see is that the banks are now slowly in a do or die presentation of liquidating what the banks regard as ‘risky investments’. For the most, we should be happy, but can we? The money remains gone and when the fire sale goes through and someone ends up finding any oil at a cost of 0.1 cent on the dollar, how many friends will the Allied Irish Banks end up with then, considering the boat load of scandals they were linked to?

Perhaps the most worrying part for most of us is not that a wealthy man has lost it all, but that banks are now closing ranks. We are so used to seeing the wealthy get away with proverbial murder shows that the banks are at the end of their ropes, which means that the little leeway we ones had is likely gone too. It should also be clear that this shows us all that the economy is nowhere near recovery; it is for the foreseeable future on a very tight arrangement with whomever has any actual wealth left.

A view we have not been introduced to until now.

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Tagged as AIB, Allied Irish Banks, Claire Forlani, Denis O'Brien, Dennis O'Brien, Dublin media company, Dunquin, Gavin O'Reilly, Glandore, Heinz, Independent News & Media, INM, Irish times, Margin Call, Meet Joe Black, Penn Badgley, Rupert Murdoch, Schlumberger, shelltosea, Sir Anthony Joseph Francis O'Reilly, Sir Tony, the Guardian, The Independent, Waterford Wedgwood plc, Zachary Quinto

June 19, 2014 · 21:22

Concerning the Commonwealth!

There is no easy news. The Commonwealth is having several issues that are not easily solved. There is always blame, but who to blame and more important, will it get us anywhere to begin with? I also believe that the Commonwealth has its share of solutions, but in that regard we will have to make some drastic changes. Some will be good, many will not be good and a lot of them will have to be different.

It is the last one that is likely the strongest salvation we might hope for, but we can no longer think the way we are, as we currently end up planning to go nowhere.

First of all, one member will need to step up to the plate and the others must protect this part. They started being regarded as a simple land, this land became a colony and later part of what would be known as the British Empire. It became independent and it is now a Commonwealth nation. Now, India must step up to the plate and become a Commonwealth leader. We (Australia, Canada, New Zealand and United Kingdom) must stand firmly and strongly next to India.

India has basically become the world leader in generic pharmacy and many are so eager to take up the Trans Pacific Partnership that we ignore the part that this US and Japanese conclave is not just about ‘trade‘ or ‘fairness‘, the indications are that it will give even more power to the US companies. A level of power they should not have to this degree.

They were complacent; they were lazy and became the facilitator for flaccid economists (yes, that was a Viagra joke).

If we accept a Canadian source, we see the following: “One proposed TPP provision would require governments to grant new 20-year patents for modifications of existing medicines, such as a new forms, uses or methods, even without improvement of therapeutic efficacy for patients. Another provision would make it more expensive and cumbersome to challenge undeserved or invalid patents; and yet another would add additional years to a patent term to compensate for administrative processes. Taken together, these and other provisions will add up to more years of high-priced medicines at the expense of people needing treatment, who then must wait longer for access to affordable generics. Meanwhile, provisions in the proposed investment chapter would give pharmaceutical companies the right to sue governments for instituting any regulation that reduces their expected profits, using private tribunals that circumvent a country’s judicial process.” (at http://www.msf.ca/en/article/negotiators-must-fix-most-harmful-trade-pact-ever-access-medicines).

This is not what we signed up for in any way shape or form (nor should we ever). It had been stated in several sources that Australia was one of the least objecting partners. The fact that this would be done and through this ensure the consequence that a large part of the Commonwealth will then have another decade of expensive medication to look forward to is just too absurd. when we read the additional quote “U.S. pharmaceutical company Eli Lilly is using similar provisions in NAFTA to demand $100 million from the Canadian government for invalidating one of its patents, claiming, among other things, that the company’s expected profits were “expropriated” when the patent was overturned“, we see a pattern where the use of such a partnership is not a partnership at all, it feels more that America is applying republican dictatorship, through arranged courts in order to thwart almost two decades of laziness and stupidity. Them overspending their treasury by well over 17 trillion is not helping them either and is at the centre of the current push we see.

India is proving slowly to be the leading authority on generic medication, even now in the last two years we see players like Kroger, Axium, Pfizer and Wyeth in multi-billion dollar mergers. They are setting up shop to have their own corners, which will grant them stability and income for the next decade. Guess what! We cannot afford that. The UK NHS is in shambles, healthcare all over Europe is unaffordable and the other Commonwealth nations see the cost of medication go up and up and up. These costs forced upon governments are the new way to get the maximum revenue, whilst in the end not being taxed on it (or for the ultimate minimum). India as a Commonwealth leader in generic medication can step up to the plate. We will not go to India, no, it seems that under these conditions India comes to the UK, Australia and Canada to build their places for generic medication to be produced. India would become a leader here. I wonder if President Pranab Mukherjee had ever envisioned that, to visit the other nations, including the UK as a leader, paving the way for a solution to the other heads of states of the Commonwealth.

If you think that this is ludicrous, then think again. In the Independent we see at http://www.independent.co.uk/news/uk/politics/government-accused-of-losing-grip-on-nhs-as-58-failing-trusts-now-have-241m-debt-9544181.html the following headline “Government accused of ‘losing grip on NHS’ as 58 failing trusts now have £241m debt“. Australia is feeling the pinch of healthcare hard and Canadian healthcare will soon be a sizeable chunk of a 2.2 trillion dollar debt. This must change!

We need to pull our resources. We need to think of other ways. Medication from India is only a first step. How about the option for healthcare graduates to work off their debts in a few years overseas in the UK or Canada? They’ll have a place to live, some income and over a period of 5-10 years (depending on the degree) their debt is settled. These are but a few of the options we can resort to. The old ways are not working and the few that do are drowned into costs of a faltering IT system. We need to group ourselves together and build a new system on different scopes. The old way has not worked and the more we delay the deeper the debt becomes and the less solvable the problem becomes.

This is no longer Labour versus Conservatives; this is now finding a way to avoid deaths through inaction. I agree that simply starting something new is not the way to go, the Labour IT systems of the NHS have proven that ten billion pound invoice, and yet doing nothing is another non-option. The heads of the Commonwealth must come together and find surpluses on one side to stop drainage in other sides. We are one commonwealth and we must save us! From there we will have the stability to come to the European aide, especially with affordable medication.

This side was ignored by the USA as the cash was flowing so nicely. Guess what, we are all broke and we need to find WORKABLE alternatives. The ones we claim to have at present do not work!

Let me also take a step back. This is not an anti-American thing, they are welcome to be part of this (even as a non-Commonwealth nation) and the issue is that they have been blocking affordable solutions through the FDA for a long time. What was good for Canadian was apparently not good enough for Americans and cheaper medication. The information from RxRights.org stated: “Threats to Economic Creativity and Theft of Intellectual Property Act of 2011 (PROTECT IP Act). This new act moves far beyond COICA’s blacklist of pharmacy websites. It would categorize all non-U.S. based online pharmacies as a risk to public health. It would require that Internet service providers and search engines block these sites that credit card companies stop their payments. Even worse, under this new law, Canadian and international pharmacies would be prohibited from defending themselves against those who shut them down“. This situation is even more ridiculous as this is instigated by a president claiming to bring ‘affordable‘ healthcare. If that were true, then why not let people find the cheapest option? Is a Canadian less than an American? No, it is all about a Democratic party with minus 17 trillion and they are firmly in the pockets of big pharmacy! That is the part and the Commonwealth cannot afford this shallow minded greed based approach. We must entertain the best option for the Commonwealth. As General Motors left Australia for cheaper options in China, so we must find our cheaper options in India and the TPP will not help us here. Signing it would be a massive mistake. By the way, all them Americans spamming my email for cheap Viagra was legal? Interesting double standard the FDA has.

We can see more in regards to Indian patents (at http://timesofindia.indiatimes.com/home/stoi/all-that-matters/Changes-to-Indias-patent-law-will-impact-prices-of-life-saving-drugs/articleshow/32519848.cms), of course, as it is the Indian Times, it would be all in favour of India, but are the facts incorrect? That part is in debate on several issues. One question that has not been answered over a term of at least two years is “Access to Medicines – Will the Trans-Pacific Partnership FTA allow governments to produce and/or obtain affordable, generic medications for sick people?”

That is not just the question which is not answered; it is one if the questions that seem to be actively avoided whilst the TPP is continued behind closed doors. The response from Doctors without borders is “Governments have a responsibility to ensure that public health interests are not trampled by commercial interests, and must resist pressures to erode hard-fought legal safeguards for public health that represent a lifeline for people in developing countries.”

This is at the heart of the issues for the Commonwealth, because if these steps stop affordable medication, then there will be no healthcare at all, the Commonwealth nations will be broke as they are decimated through age and sickness, after that what will be left of Western Europe?

It is only a first step; if we look at the NHS, then staffing and expertise are also a worry, which is by the way a worry in many Commonwealth Nations. Most of these nations have well over 5% unemployed; can some not be re-schooled in the healthcare sector? In the UK many IT trained staff are without a job, can they not help rebuild the NHS IT systems? Too many issues that are overlapping and someone threw away 10 billion. It is time to rewrite the tactical guide and start building a solution that will work. Sitting at home will not help anyone, not even one’s self.

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Tagged as Australia, Axium, Canada, Commonwealth, Conservatives, Doctors without Borders, FTA, India, Indian Times, Kroger, Labour, New Zealand, NHS, Pfizer, Pranab Mukherjee, President Pranab Mukherjee, RxRights.org, The Independent, TPP, UK, USA, Wyeth

January 15, 2014 · 02:44

My £13,000,000 invoice!

I got a ‘nice’ wakeup call just now, as I was reading an article in the guardian. It is at www.theguardian.com/uk-news/2014/jan/14/ministry-of-defence-failed-computer-system. The title “Ministry of Defence ‘wasted millions on failed computer system’” got my attention. The UK is riddled with IT people trying to get a decent job. This article implied with quotes like “The recruitment partnering project, a £1.3bn scheme intended to enable the army to recruit online, is almost two years behind schedule and will not be fully operational until April 2015 at the earliest, the Times said.”

Now, I understand that the MoD does things a little different and that this online approach takes a little time and money, but the fact that the cost of this system is more than the personnel costs of an entire regiment for 50 years (take into account that most IT solutions are usually set for a lifetime span of no more than 10 years) gives weight to the issue that it is time to go public. The additional quote “the problems are so serious that defence secretary Philip Hammond is considering spending nearly £50m on a new solution.” gives weight to my response “You pay me 10% of that and I will assist in getting the issue sorted”

You see, any IT project is basically simple.

What must be done and by what date?
What must it cover?
What are you willing to spend?
Document the agreement and sign it by all parties!

The rest is usually political manoeuvring. (I apologise for oversimplifying the problem)

The fact that the article implied that the costs were a billion plus, gives the impression that the entire military network system got overhauled. This leaves us with the thought that there is a decent chance that Sir Iain Lobban of GCHQ is laughing himself to death reading about these events, so perhaps the loud honing laughter will move Defence to take a harsh look at themselves in the cold light of these events.

Do not get me wrong. I know that IT solutions tend to cost, and things get delayed, but this is about recruiting people, the price is implied to be set at thirteen hundred million pounds and it is already 2 years late. So, why was any amount paid in regards to a failed system? It is of course likely that those who delivered had a quality ironclad contract in place, yet the mentioned amount is extremely out of proportion compared to the non-working delivery.

The next quote is also one that opens debate “If the ICT hosting solution is not put in place then the MoD risks not gaining the appropriate number of recruits needed. Given recent criticism of army recruitment … and the use of reserves, this would lead to further negative media reporting and reputational damage for MoD.” So, the 2 year delay was not a clear indication of issues? I reckon that the spending of well over a billion on a non-working system is more than enough for laughter, ridicule and reputation damage for the MoD for a long time to come.

To put this all in perspective take a look at this quote from the Guardian made in August 2013 (at http://www.theguardian.com/world/interactive/2013/aug/01/gchq-spy-agency-nsa-edward-snowden). The quote is “GCHQ now has liaison officers working inside MI5, MI6 and the Soca, the serious and organised crime agency. It takes the lion’s share of the £1.9bn budget for Britain’s intelligence services” so basically, the MoD blew on a non-working recruitment option, the amount that GCHQ needs to keep it completely operational (for a year).

Seems a little out of whack, does it not?

Now for some other fun facts! Recruitment is all about creating interest. Now consider that the cost to make a multiplatform next-gen video game is £15-£25 million pound. So, the youthful player could get introduced to all kinds of positions, challenges, military functions and so on. The development is when compared to what is wasted less than 2% of those costs. More interesting, it could be sold at the newsagent for £5. The MoD could break even, or even make some money too (which would definitely be a nice change). It is a game and it might not have all of the information, but together with an information website loaded with PDF’s, application information and a registration bank should never have exceeded £80 million, from what I envision at present (including the game development). Why was this solution not hosted via GCHQ? The people at the MoD might know of the place, it is in Cheltenham and it looks like a massive donut (Yummy!). It has better security and more options for facilitation than most secure banks can dream of (GCHQ is not to be confused with the NSA, where you can copy all data to a USB stick at your own convenience).

So, do I have a case here? Actually, it was not me, but The Times, who started it, and the Guardian for giving it the visibility that goes far beyond the UK borders.

I must try to be neutral in these matters and very likely the article is missing key elements considering the amount involved, but seeing how 1 in 7 in the UK lives below poverty on one side, whilst on the other side a billion plus is wasted to this degree is extremely upsetting. I have proudly worked in IT since 1981 and seeing events like these, just do not cut it with me and it should not cut it with you, the reader either.

There is however a little more. “This leaked report points to the latest series of catastrophic failures at the Ministry of Defence on David Cameron’s watch.” is a quote I have an issue with. The fact that it is 2 years late means that this was supposed to be finished late 2011. When was the project started? Who were the people starting this, who was involved? It is of course possible that this was all on the conservative watch, yet, that must still be verified. The mention in the article of “after failing in 2011 to challenge a MoD policy” on the article gives rise to the thought that this has for a large part been an internal MoD failing. In addition “The project management team was inexperienced and under-resourced and the army failed to take charge when delays started and put in a suitable contingency plan.” gives way to my four step issue. The first two steps, as I mentioned it, also cover resources, the fact that this was not met means that the failing was on more than one level. Who at the MoD was involved? Was this person aware of the required skillset?

All questions that should have risen with any senior decision maker before the project was accepted and the checklists should have tripped several ‘alarms’ as the project was going forward. The fact that the large amount had been ‘lost’ indicates that none of these issues were factually dealt with.

The article raises a few more questions, but the horror should be clear. It will keep on costing more for now and before Labour starts ‘calling’ for botched jobs, they should take a look at the issues we saw in 2010 (at http://www.independent.co.uk/news/uk/politics/labours-computer-blunders-cost-16326bn-1871967.html). From that part we get the clear idea that infrastructure and policies alone are not getting IT choices done. Knowledge is likely to fix that; you just need to make sure the right person is on the job.

With the amount that has been spent, I feel comfortable sending them with my 13 million pound invoice.
(Payment within 30 days for this consult would be appreciated, as I have to pay my bar bill).

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Filed under Finance, IT, Military, Politics

Tagged as Cheltenham, David Cameron, GCHQ, Ministry of Defence, MoD, NSA, Philip Hammond, Sir Iain Lobban, the Guardian, The Independent, The Times

January 6, 2014 · 22:24

The Governors act

In amongst the 82.4 things (roughly) I have to do on a daily basis, the fleeting moments I have to myself are fleeting indeed. Whether I keep myself busy, keep myself occupied or keep myself distracted does not matter. My mind does not stop working. It was during these activities that an article on Steven Seagal crossed my eyesight. The article was part of the ‘problem’. It was a minimal associated press message on how the Actor Steven Seagal is considering to be running for the position of Governor of Arizona (at http://www.theguardian.com/culture/2014/jan/05/steven-seagal-arizona-governor).

A mere 140 word article, surrounded by 8,000 characters of ‘notifications’! Is that all that the Guardian was capable of? The Independent made a much better job of it adding a few things (at http://www.independent.co.uk/news/people/news/marked-for-governor-steven-seagal-hints-at-arizona-election-bid-9039937.html), my response to that is well done Tim Walker!

So what is the beef I have? Well, many of us, and to some degree me too when I was a lot younger did not take the idea of an actor going into politics very seriously. But is that not at the heart of our own folly? Let’s face it, especially in America; the elected official is a spokesperson for the people who elected him/her.

Even nowadays, many actors become so after getting a University Master’s degree that that tend to include Communication and Media.

Ronald Reagan as the former 40th President of the United Stated will likely remain the most famous of them all. Yet, the other names are not without distinction. Arnold Schwarzenegger as Governor of California and one of the more interesting names would be Jesse “The Body” Ventura, who was a professional wrestler, actor and became Governor of Minnesota. The rumour that the bears were so afraid of this governor that they left for the Dakota’s is still unconfirmed. 😉

Finally there is John Lodge who after a decent actor (playing with stars like Shirley Temple and Marlene Dietrich), who would serve in WW2 in the US Navy and become Governor of Connecticut.

There are also several actors who decided on other governmental roles like Alan Autry, Clint Eastwood and Jack Kelly. They became Mayors and several actors went to the House of Representatives.

So many took up arms, did their bit and after making loads of money (in acting) decided to do something for their nation. Is there any worthier cause then to represent the people around you?

So, when that flimsy report of 140 words came on a Guardian page, I thought it was time to take another look at a few things.

First of all, some of the negative responses we see thrown at Steven Seagal are not without ‘reason’. The man has not played the upscale roles Al Pacino played. Is that his fault? When movies go well we all want a piece of the glory, when they are mediocre or bad it is always the fault of the actor, it seems unfair as the movie comes from a ‘vision’ of some director, limited by the funds of the producer. I know that there is more to all this. What is known is the fact that he was the centre part in half a dozen blockbusters that made loads of money. The interesting part is that although these movies were not successful, Seagal made several movies aimed to instil environmental consciousness into the viewers of the big screen.

With numerous acts of activism in protection of environment and animals, it seemed to me that this person deserved more than a mere 140 words. In addition, with what we have seen in the last 20 years, how the quality of all goes up as the spokesperson achieves better goals for them, is it so strange that Actors see this as an option when they leave the tinsel town stage? Let us not forget that the roles these wealthy stars occupy in choices from deputy sheriff to governor go from $48,000 to $125,000 a year (average incomes). For these actors, in many cases it is less than peanuts as they have millions stashed away from their previous careers. Before you think it is easy money, consider that a mid-level banker lacking accountability makes somewhere 200% and 24,000% of the average income of a US governor, depending on which bank that banker ends up with.

The biggest issue I have is that all these papers (LA Times, Washington Post, Guardian and so on) they all just used the Associated press part, with a mere 140 words to mention the name of a possible new governor, all of them ending with the line ‘he wants to increase border security‘.

It was only at www.bizpacreview.com where the following was quoted: “During the interview with ABC15, Seagal said he’s had discussions with Arpaio about a potential run, but does have other priorities to consider. When asked what the country’s number one problem was, Seagal’s response was ‘open borders.’ I think that our biggest problem is open borders,” he said. “I think that across these borders, any kind of terrorism can come, and does come. I think this is a tremendous oversight by the current administration.”

Actually, he only has a partial point in my humble opinion. This issue has played for a long time and the non-actions have been visible all the way back to former President Bush. With its 1950 miles it is the most open incursion area for the United States. The rumour on Al Qaeda getting ‘assistance for a fee’ from Mexican drug cartels has been just that, a rumour.

Linked to this is a statement from Louie Gohmert, R-Tyler, who said on C-SPAN’s ‘Washington Journal’ April 17, 2013: “We know al Qaeda has camps over with the drug cartels on the other side of the Mexican border. We know that people are now being trained to come in and act like Hispanic when they’re radical Islamists. We know these things are happening and… it’s just insane not to protect ourselves.”

Here is the kicker, actual evidence has not yet be shown, which is also no evidence that it is not true. The issue for the possible future Governor of Arizona is that his/her 370 mile stretch is almost 20% of that entire borderline. Even if that border was strengthened by a wall, it would not stop the other 80% of the border getting any safer. My issue is that Steven talks a good talk, but the US budgets, the way it is in now clearly indicates that there will never ever be enough money to get these borders secure enough. Whatever the solution it is he wants to implement, it will cost, and it will cost a lot. Until economic prosperity gets back into Arizona, his hands will be tied. Let’s not forget that on the number one spot employer in Arizona is Wal-Mart (the same one where they have mastered the art to pay below the poverty line).

So, whoever ends up in the governor’s chair, his or her goose is slightly cooked. There is of course a creative alternative. He/She could bestow most of Pima County (the southern part or Arizona) to the Navajo, with the only duty that they keep their southern border secure. It is not the worst idea to see these terrorists return to the eternal hunting grounds as a slightly more scalped edition? Is it?

So in the end, should this job go to an actor? Whatever he is labelled as, he has proven to be a fighter, a humanitarian and a philanthropist. Here is where the fight gets interesting. He will go up against Jan Brewer. As a Republican she had increased tax earlier stating that she was forced to ask for the increase due to the state’s $4 billion state budget deficit. In addition, she had been rated as one of the worst governors in America. As such Seagal has more than just a fighting chance. If he can do something about the income of the 30,000 at Wal-Mart in his future state, he could be getting a landslide victory.

This gets us to the actual people in power, meaning those behind a governor advising him/her. Here is where it gets interesting. Those people need funding and sponsors, which makes it interesting for big business to get the right person in power. This means that whatever Steven will try to improve, the places like Wal-Mart will have every intention to get the person elected who serve their purpose. You can read more about that part at http://www.huffingtonpost.com/al-norman/walmart-lobbyists_b_3632526.html. One of the quotes that come out strong is “the contributions of the Wal-Mart Stores political action committee to federal candidates and other political committees has grown rapidly during the past decade.”

So, when we consider the power Wal-Mart has, we should also wonder who they prefer, Jan Brewer or Steven Seagal. Because behind the power of Wal-Mart hides a fistful of billions, which makes for one mighty punch.

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Tagged as Alan Autry, Arizona, Arnold Schwarzenegger, Clint Eastwood, Governor of Arizona, Governor of California, Governor of Connecticut, Huffington Post, Jack Kelly, Jan Brewer, Jesse Ventura, John Lodge, LA Times, Louie Gohmert, Marlene Dietrich, Minnesota, Pima County, President Bush, Ronald Reagan, Shirley Temple, Steven Seagal, the Guardian, The Independent, Tim Walker, US Governor, Wal-Mart, Washington Post

October 15, 2013 · 19:10

In Media, we distrust!

Is it not a lovely day when you wake up, you go downstairs and if it is warm enough, likely in nothing more than a simple bathrobe you sit down. At this point, whether it is inside, or outside, you get the first start of the day with coffee and the newspaper. For most people, that part had been for a long time a slice of heaven.

We would go through the news whilst sipping tea or coffee (in my case the latter). What if I told you that these times are now forever a thing of the past?

My reasoning? For this I will go over each case in three parts. First the point I make, then the reasoning for that point and lastly the motive I personally think is behind that. I would like to add sources, but at times there are little to none and it is all based on common sense.

First there is no need to rehash the entire Leveson history. That reports was made and filed and suddenly the press was all uppity uppity on ‘the freedom of speech’ and how their rights are now no more.

Let us take a look at this part.

1. How often does the press report on privacy violations by large companies like Microsoft?

Answer: almost never. I found one article by the guardian, and a few by what we would normally all less reliable sources. (at http://www.theguardian.com/world/2013/sep/30/microsoft-privacy-chief-nsa)

Motive: The publications rely on big business (advertisements). It relies less on governments as their form of income and in addition, government is always seeking visibility, big business brings in money. In this situation I personally think that the press seems to be willing to ‘ignore‘ or whisper very softly certain events.

How about Microsoft HealthVault?

They state: “Privacy, It’s your HealthVault account. You decide who can see, use, add, and share info, and which health apps have access to it. HealthVault won’t provide your health information to any other app or service without your permission.”

Venturebeat had the following interesting quotes “For instance, Microsoft reserves the right to store your medical data offshore, in countries that may not have the same privacy protections as the U.S.”

“HealthVault appears to open the door to a potentially unlimited line of people, entities or programs that can obtain permission to read and alter your health information, since it’s possible to delegate the ability to grant those permissions to others.” If did find a few mentions by CBS and ZDNET, yet the papers (the big ones) did not show up in any search. Even though this issue is not that recent, it is still interesting that the big ones aren’t anywhere near this place.

If we consider that this means that if an insurer gets access to this, then the smallest visit to the hospital could result in an increase to your premium. This is all linked to the Health Insurance Portability and Accountability Act 1996. There we find that the HIPAA Privacy Rule regulates the disclosure of Protected Health Information held by what we would call “covered entities” (employer sponsored health plans, health insurers, and medical service providers that engage in certain health transactions.) By regulation, the Department of Health and Human Services extended the HIPAA privacy rule to independent contractors of covered entities who fit within the definition of “business partners”.

So, if these contractors are outside of the national borders, your health data goes into several other directions too.

Consider that we volunteer this and other personal data to Microsoft (your Skype, your software, your Microsoft devices and your browser). How long until you represent a Z-Value? Not before too long, you are diminished to several Z-Values, and as your value depletes to below the norm, what options will remain for you?

Yet, the press seems to banter again and again on NSA and GCHQ. The question becomes, whether the press is nothing more than a simple tool to make us look the wrong way, whilst big business has a free go at us and our personal details.

I do not claim to know what the actual truth is here, but I do know that the press has not been focusing on the wider truth and reality too much lately. That is something that becomes slightly more visible when we read Claire Fox in her smug article (at http://www.independent.co.uk/voices/comment/leveson-has-done-his-damnedest-to-encourage-press-regulation-despite-his-protestations-8874676.html)

When you hear the actual response by his Lordship in regards to WHY he felt it was inappropriate to answer, Claire just trivialises it in the air of “that he would not play ball“. Let us not forget that it is her right to see things in the way she did, I will not attack that, but this situation left me with question marks on how far ‘misrepresentation‘ goes at present.

So if big business is protected through non-visibility, then why don’t we just get rid of all journalists and rely on bloggers? The digital world is ready for it all, journalists no longer seem to be truly ‘story‘ driven, when the bulk hang on the usual GCHQ drab anyone can get from Reuters and the bulk of the big business transgressions remain on blogs, I wonder where the journalistic pride and ethics remained as they claim their part in their need for ‘freedom‘.

2. How will many protect their children and finances if visibility remains low on issues that have an impact? Many PC’s and tablets get linked to games that are ‘proclaimed’ to be free. Yet, when you want to move forward, you can pay for additional options.

The BBC covered this on September 25th (at http://www.bbc.co.uk/news/technology-24272010). The Guardian seemed to have covered the same story and that is pretty much it. So why is there not a lot more visibility?

I had a look at a program called ‘Dragon Story‘. It looks nice, it is a little non-adult, but it has a few original sides. You can breed two dragons together and they leave an egg. You can hatch that egg and get a new different dragon. You can buy many of them, or if you take the time breed your collection. This is all pretty original. The dragons in their habitats collect money and that money can be used to grow your area. Yet, the part not shown is that some dragons are rare, some habitats (larger ones) are expensive. Smaller habitats can be bought with coins, but the larger ones must be bought with gold. That costs actual money. A child can without realising it spend $20 per habitat, some dragons; the really rare ones cost $50. So in 30 seconds a child can spend more money than a full version of Grand Theft Auto costs. It is clear that actions can be taken to prevent some damage, but the visibility is not there. Why?

In reflection upon ‘Dragon Story’, an addictive game named ‘Blockheads’ (a 2-d version of Minecraft) can also be downloaded for free, and you can buy an upgrade so that all actions go twice as fast. The price, $5! Now an additional option can be bought for $3, so that the player can play in higher resolution, a total of $8 for something that need not be bought, the choice is up to the player. THAT is what I call an excellent approach!

So where is the press here?

It cannot be for the lack of ‘public’ interest, as the tablet market in the UK alone is soaring towards 190 million owners this year. That is more than the total global owner base of the PlayStation 2 used to be (which was 150 million). So, one could say that tablet issues should be at the top of every newspaper. The Google search seemed to contradict this (I had to start somewhere).

So when we look at these heated arguments on the freedom of the press, we should be asking ourselves what they are complaining about. Freedom is nice, but when they relate it to the limits of their cubicle we get to miss a lot of information, the press and especially their editors should realise that.

In my view, to the extent I had read the Leveson report, I saw it not as an attack on the freedom of the press, but on the ‘enforcement’ of ethics and accountability. Those two are elements in any form of Journalism. For I am never against the freedom of the press, I do think that some acts require accountability. The hollow phrase ‘the people have a right to know’ lost its value when some used it to tabloid away all levels of privacy. Crashing a funeral less than two weeks ago by the Daily Mail is an excellent example of that. I do wonder whether all this is just about the journalists, or was the Leveson escalation due to a failing by the editors to keep a proper pulse of the journo’s they are supposed to mentor. To that I have no honest answer; there are too many murky facts in the open.

The PRESS fallout has been a long one and we are not there yet!

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Filed under Finance, Gaming, IT, Media

Tagged as BBC, Blockheads, Claire Fox, Dragon story, freedom of speech, GCHQ, Guardian, Health Insurance Portability and Accountability Act 1996, HIPAA, Leveson, Microsoft, Microsoft HealthVault, Minecraft, NSA, The Independent, Venturebeat

July 28, 2013 · 15:56

A Church of protection

Several newscasts on several fronts, they all mention it. The church is going after the loan sharks!

I think this is a good thing. We have all seen the advertisements; the ‘cash train’ is coming. It is so easy and up to $5000 can be done at the whim of a moment. The mention, that when you come up short you can get some money. The ad seems so appealing. It is however the most dangerous debt you will ever have!

The fact that it is so lucrative is shown in the amount of spam they now fester. To illustrate, my small blog gets almost a dozen of spam messages a day, all for quick loan options. They are dangerous! Before you know it, you are in deep, and soon thereafter, you will pay perhaps just a small interest amount, but in the end you would end up paying 200% of that what you borrowed. They claim to go for short term loans only. It seems however to me that they would attract the people who might not be able to make the short term payments, and then the fee’s will come.

This is dangerous!

So, as I saw and read the statements that Archbishop of Canterbury Justin Welby is trying to compete them out of business, my thoughts are “Well done!” The fact that they are also backing up the RBS with some serious cash gives me the clear picture that SOMEONE is actually doing something about this mess called ‘financial institutions’. Interesting is that politicians fumbled the ball to such a lovely large extent that we now move towards the church, giving them the power others were not ready to have. The Independent posted on July 28th the header “Church-backed bid for RBS arm could herald creation of ethical bank on high street“, that is a good thing in my mind. It is a vision ALL politicians should have had on January 1st 2009 onwards. Yet, it seems that they have constituencies to protect. The question is who were they?
The people who elected them or the businesses and financial institutions that needed him/her to cast a vote the way some wanted? Are my thoughts out of bounds? If so, then consider the choices they made and the regulations that still have not come to pass. The current situation pretty much amounts to medals going to banks for murder and Journalist for invading privacy through crimes. No one wants to be accountable and no one seems to be willing to step up to the plate. Essential changes to the law are not being made. I wrote about some of this in “The law to hunt them down“. Prime Minister David Cameron seems to be making some small changes to Bing (and a few others) to give warnings when certain search terms are made. I shudder at the utter ineffectiveness of it all.
So now the Church of England will gain the visibility and the support from the people. As the people will regain safety through a church directed RBS, as the people feel safe by borrowing through them and pay a decent share of interest, we will quickly see that other banks will either follow or go under. That is a working strategy. I agree that the next 5 years could change the issues for the good. They will not overnight, but the start is here. Is this the start of a move to moral and decency?

If so, then the press is now on its last legs. Yes, they claim, they will discuss, they will negotiate, yet they will never give in, hence we have little left.
The banks are first! This is what the Guardian exposed yesterday in the article at: http://www.guardian.co.uk/commentisfree/2013/jul/27/church-duty-payday-loan-firms.

Will it benefit the Church? Of course it will! However instead of investment firms where they get their 10%+, they will now go towards a business that might make them slightly less, overall, the people and the church will benefit by the bond it creates. Consider that we the consumers will always go back to those who treat us decent. We do not mind the shop, the bank or the individual to make money of us. We needed a service and we paid for that. It is the total unjust amount that some were making that had us all going. So when in 2015 the banks start complaining about how unfair the Church of England has moved into this field then remember today. Today you had no options, they were not willing to consider you ‘the small person’ unless you made them ‘enough’ money.

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Tagged as Archbishop of Canterbury, Church of England, Financial institutions, Justin Welby, loan sharks, Prime Minister David Cameron, RBS, short term loans, The Independent, The law to hunt them down

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