Tag Archives: Zoe Williams

June 28, 2023 · 12:44

Considering sources

We get it, newspapers have their opinion articles and sometimes they strike a nerve. I for one am not ever writing against the royal family, I am a royalist, like my grandfather before me. Yet when I read ‘£3m to fix the UK’s housing crisis? Ha ha ha ha ha, your royal highness’ (at https://www.theguardian.com/commentisfree/2023/jun/27/prince-william-homewards-homelessness-3m) I had a few thoughts. First of all, I had no idea where ALL the quotes come from, whether they are pulled out of context and how accurate the quotes were. You see, consider the sentence “Pull the red wire” and it gets you killed, because the complete sentence was “Pull the red wire, after you isolate the yellow wire” meaning that the partial quote got someone killed. This is how I saw the article without the complete stage. Yet it still gave me thoughts. You see, to deal with “Prince William is going to solve homelessness with a new royal foundation, launching a project called Homewards that starts with £3m for six towns and cities across the UK. It’s such a short sentence to make so little sense” we need to realise that building 50 buildings 6 floors high, each floor containing a dozen one bedroom apartment will get us 3,600 apartments, solving less then 2% of the problem, now consider the price of merely one building and we see that three million is noway near enough to solve the problem, it might be enough to pay for a paper on the problem, but that is as far as it gets. And how to pay for the building? Well, the idea is that those given a place to live will sacrifice 50% of their ‘income’ which pays for the rent, heating and electricity. Their quality of life will improve immensely. Now this is merely what came from my mind top of mind and there are better ideas out there, but the real issue is that nothing is done, there are no advances into stopping homelessness. It is not cut and dry but the lack of activities whilst a player like Apple was reported ‘UK Apple stores paid less than £800,000 tax despite £971.5m of sales’ and this gives us that Apple paid 0.0000823% in taxation. You still think that overhauling tax laws (which I have advocated for over 25 years) is out of bounds?

I personally believe that Prince William would have known all this, I personally think that this article was meant to ruffle feathers, I merely wonder what short sighted approach was taken here. You see the end quote is “It’s baffling, this commitment to a delusion, where nothing systemic has gone wrong, there is no crash round the corner, no spectre of homelessness stalking all the graphs. It’s such an intricate phantasm, collectively constructed, of an old world in which individuals can solve all their own problems, and if they can’t, Prince William can help. I almost admire it.” You see the larger failing is Zoe Williams (et al) where I a offering the next quote “It’s baffling where this media propagating delusional thoughts whilst not informing us on matters that are actually important. where the media systemically does whatever it needs to get ‘clicks’ a wrongful setting at the expense of the people, exploiting or presenting every crash round the corner, no spectre of induced fear mongering is a stage on every graphs. It’s such an intricate phantasm, collectively constructed, to prey on fears, to prey on missing settings where people are presented that they can do better whilst the presenters know that this is not possible. Lacing income by any means and if that does not work they are happy to reset the quote of any royal, because the people to care about they monarchy even if corporations will not, it impacts their bottom line.” I might be right, I might be wrong, but that is how I feel and for the most the media has already lost over 90% of the credibility they had a decade ago, so when you wonder how much credibility they have in 2026, consider how much they cater to corporations at the expense of you.

Have a lovely day.

Just an idea I had

The Guardian posted an interesting article that I noticed today (the benefits of reading the Guardian online). The article named ‘Yes we should teach our kids about money, but how exactly escapes me‘, is a very nice piece. It is actually something that the Greek government should take a look at. Zoe Williams gives us the subtitle ‘Pocket money, savings, ponies, Muppets and nails – it’s a minefield, especially when your audience is clueless‘, and here I personally disagree. You see, I think that the question has been given to the wrong people (at http://www.theguardian.com/money/2016/jan/12/teach-kids-about-money-pockey-money-savings).

So, any app developers take notice, because this article could make you a millionaire!

The quote “miniature bank accounts are brilliant, but not necessarily educational. I use Osper, which is an account for eight-pluses that comes with a card they can use in a cash machine or on the internet” gives us a first insight into the dangers here. Which Zoe shows with the quote that follows “So far, Osper has taught the big ’un that money, with automating top-ups and nobody ever spending it, accumulates as effortlessly as wet leaves in a drain. It also taught him that getting money out of a cashpoint with his own pin is mind-bendingly exciting“.

The one that got the train (the one in my mind) rolling was the quote “most parents just want children to learn the value of money so that they’re not constantly asking for a pony or a Lear jet“, that is where my train went into a station named ‘creative mode’.

You see, I reckon you looked in the wrong direction. I looked at it from another angle. I saw it as a puzzle, a challenge. What is more challenging than a game? You see, kids (adults too), love playing games, more important, they love WINNING games. This is where we see the first test of getting a solution.

What if there is a game that is based on the economy. I am not talking about monopoly. I am talking in the direction of a new version and an online version of ‘Jones in the fast lane‘. The original was decently brilliant, it was made for PC in 1990 and in that game you had to achieve certain amounts of money, happiness, status, and education. In that game there was still the flaw that you could only proceed when you got money, but what if credit cards, debts and events were added? What if debt became an added visible factor?

The player in young and old, would consider the options lost when money was spent. The player would feel the pinch for the credit card. Not as actual debt, but what if debt was shown as decreased time? If debt makes you lost 3 hours a day, what was left? When you get overly in debt and you see that your time is forgone to work, so you get no happiness and no education, how can you win? You would restart making better selection and increasing the choices that show the danger of debt, the danger of no money.

The game Sierra Entertainment created was already well above standard, but it lived by the standards of the 80’s. Now we see that other elements are a part of daily life, which now gives us that this game, if redone, could be an educational tool that could sell on tablets, PC’s and mobile phones with the greatest of ease for a mere $2-$3. I feel certain that it would go to the hearts of parents by the millions! So whomever creates that educational side in a game (not those RPG life click games), but a decent board game will grow a fan base and game solutions tend to go viral on the internet .

So why did I say ‘not those RPG life click games‘? You see, too many games are about looking cool, looking quick and snappy. Interactive it sounds nice, but the board game that JITFL was had a little more, not enough for today’s elements, but it is a massive step in the right direction. Still, a few additional elements should be considered, yet in that light, I feel that the future ‘millionaire-to-be’ should solve a few puzzles so that they can boast that it was THEIR solution, that is fair, is it not?

So, why is my idea so good? Well, I am not sure that it is, but consider the ‘educational’ solutions out there. Instead of trivialising the smaller parts, why not re-focus on the parts that many do not want people to realise. You see time is money, which means that money is time, so what happens when you suddenly need to do it all with 14.6% less time? It sounds so little, yet over 40 hours, it comes to well over half a day. Even on a daily basis it is 3.5 hours less. So, where to get it from? Your working day? Less money, more debts. A second job, or even a third job? This implies a life without free time. You see, through that path, the original Jones in the fast lane shows to be excellent in its origin and could be near perfect with today’s modern complexities. Especially when the prices for rent and education get adjusted. Internet, mobiles, consoles and laptops, all with a partial benefit and all at a cost. When the younger player starts seeing it as a puzzle, they will see that money is part of a solution and a debt is a long term burden.

the lessons that several players want to trivialise, which gets the young saver an insight that banks claim to be instilling on them, yet at Up to 2.85% p.a. they seem to see the benefit of a little gets a little (especially when debts are 15%+), but in that same light, the consequence of the costs of cards are usually not seen in the beginning. So as they reach the age where they have a job and an income there’s an unbalance, a lack of balance on the impact that debts and overspending has. This is the side that is equally ignored. We cannot blame banks here and parents are usually not equipped to let them feel the impact of it. A game is different, to show them the impact that costs have, they understand that no balance means no spending, but until confronted with debt, the impact of interest is usually not comprehended. A game could be elemental in getting the young savers to feel that impact, in a lack of balance in the game and a sliding lack of time.

It is just an idea, it might not be the best idea, but it is not the response Zoe Williams gave us with ‘how exactly escapes me’, there is no fault here, we all often lack that spark and my spark could go nowhere, but the issue remains, the spark Zoe Williams tried to instil on her readers, how can we teach and give insight to the next generation, because in that regard the latest generation got the short end of a stick that came with no explanation, which is what the next generation needs to be protected from, or we will never be able to tackle our burdening economic problems.

Double standards, no resolve (part 1)

This is at the heart of two matters that are at play. The mere notion that change will do anything definite is just a laughing matter. Yet, it is not laughter at the people trying to do this; it is about the next two cogs of grinding that will halt it all. The first issue is Greece. There had been little doubt on Alexis Tsipras winning this, I was holding my breath in favour of Antonis Samaras winning, but it was never overly realistic. The problem is what will happen now. The direct issue is that none have been able to deal with Greek corruption in any way, shape or form. The fact that Kostas Vaxevanis and not those dodging Greek taxation ended up in a courtroom in 2013 is still additional cause for concern. Can we agree that as Greece has not been able to do ANYTHING about the mounting debts from 2009 onwards, a massive change must be made! It goes hand in hand with the quote we see in the Guardian “Priti Patel, Conservative MP in Westminster, just told Sky News that Greece’s economic problems are “a stark reminder that we should never join the euro”“, I will take it one step further, if Alexis Tsipras is not massively careful on what he does next, the downward curve (curve, not spiral) of the Euro will only fuel both British UKIP and French Front Nationale even further, it could also force the German people to feel pressure to leave the Euro in a failing attempt to bolster their diminished fortunes. It is a failing notion because no matter what happens next, those under the Euro will take a hard hit over the next 2 weeks, whatever bolstering will happen, it will only aid the super wealthy and only short term as they recap their non-tied down wealth as I personally see it.

The biggest issue remains corruption and tax evasion in Greece, no matter who comes next, without dealing with those two elements is simply selling a fairy tail (pun intended) to the Greek voters. This is at the heart of Zoe Williams piece that I disagree with (at http://www.theguardian.com/commentisfree/2015/jan/25/syriza-uk-left-labour), the title is already a bit of an issue for me ‘Syriza stood up to the money men – the UK left must do the same‘, which money men are you referring to Zoe? The artful tax dodgers, who are partly to blame for the entire mess, yet no one has the cajones (or any jurisprudential power) to actually prosecute? Or are they the people holding the debts? Let’s not forget that governments got ‘assistance’ under the strict rule of austerity, a promise never kept, because none of these politicians will do anything about them Greek artful tax dodgers.

There is also another side, the fact that less than 2100 Greeks have this much money in unpaid tax debts seems simply ludicrous to me (the Kostas Vaxevanis list of 2100 naughty Greeks), so I wonder how much spending should have been cut for over half a decade, so again we get to Alexis Tsipras, who would need to cut massive spending, for the mere reason that there is no money coming into the coffers. Yet, within the article Zoe wrote, there is a gem, it is out there in the open and it has been there for a long time: “Ukip is often saying something similar to the Greens: business interests aren’t everything. That’s a reality that the majority feels, but that you never hear described; that’s how the Greens overtook the Liberal Democrats, while all eyes were on Ukip“, when we see ‘business interests aren’t everything‘ we need to realise that this is not just corporate greed, it is a majority of corporate greed signs that have been rampant on a global scale. The issue of a 15% board of director’s wealth growth in a 2% margin world; how was that ever a sustainable situation? It is also the deadly option Alexis Tsipras might opt for. As Greece becomes a possible tax shelter ‘for a fee’, to allow for closed bank account details under limited donation of revenue (all for the people approach) where we see the next waves. Global corporations will love the coming step (if it happens), a non-accountable 0.3% tax account, each coming with its own island. It will anger the American IRS (and State Department) to no extent, it will drive the IMF into entirely new problems and the rest of Europe will see a shift of fund flows. This is all assumption (read speculation) on my side, but it could work for Greece, for a very short time. I reckon that this step, if taken, might have one massive obstacle, that would be assuring that another Kostas Vaxevanis list never surfaces, so when you see any announcement on the new Apple iOlympian or the new Google Nexus ‘Theíos’, then you know that Greece will be embracing new tax free shores. The question now is not, what is the solution, but what options are actually open?

We can accept the statement from Professor Christopher Pissarides from the London School of Economics “Greece’s debt pile is simply too high for the country to return to growth and services its borrowing”, in addition, we can accept the words of Yanis Varoufakis MP “Grexit is not on the cards, we will not go to Brussels in a spirit of confrontation. There is plenty of room for mutual benefit”, this all sounds fine, but if no one is actually actively dealing with the list of 2100 of Kostas Vaxevanis you tend to not have that many options, which means you need a decently strict austerity regime, the one issue that got them elected by disposing of.

What is the option of change?

Well, with my law education, I do have another path for Greece, yet, it is an uneven path, but it could be a long term salvation if it works. Now, feel free to object to the notion and if you are a law professional, than those remarks will be met with my personal investigation. So here is the premise!

Issue: The levels of corruption within Greece are beyond several layers of acceptability. We all acknowledge, that any nation will have a level of corruption, however, what can be done to stem the tide in a novel way.

Solution: As the current legal system is in such disarray, the mess will evolve from bad to worse. We might state that it had gone from worse to unsustainable, so what if we change the premise altogether? What if the new Greece will implement a new legal system from a common law system? Instead of making their civil law more draconian, with of course the added danger of more loop holes, what if Greece evolved into a Common Law nation? It will still be based upon Greek constitution and Greek values, but will come with a few centuries of English jurisprudential evolution. The benefit is that it does not need to happen overnight, but can be structured to deal with the tax laws and criminal law (corruption, fraud and such) first. You see, if there is no faith in the Greek courts, would it not make sense to evolve the justice system (this is a choice of words; this does not indicate that a civil law system is less evolved than a common law system).

It seems that the evolving flexibility of common law is exactly what Greece needs, no matter how good the law is regarded now in Greece; it has failed a nation and its people. This is at the unspoken heart of several issues. There is ample concern on such changes too; the big issue is that no matter how the Greeks feel at present, there is enough concern that Alexis Tsipras is not the new hope, he will be their last hope, because if no solution grows now, Greece will be finished, that much is clear. The reported word from several nations, in many publications is all about reforms. Greek journalist Nick Malkoutzis from the Kathimerini English Edition stated today “Syriza’s top priority should be to reform the justice system, the civil service and the tax-collection operations, to show Eurozone allies he is serious”. He is one of many voices stating issues in this direction. Yet, reforming a justice system is also wrought with the dangers they get when new legislation is passed. It sounds good in theory, but such reforms tend to be time consuming ones and that is one element Greece no longer has. It has been sustaining on borrowed time too long and those holding the debt papers are out of patience (loss of profit will do that to these people). So will common law be good or bad for Greece? I personally do not know, but the current system is not working and so far, the failed system has not been overhauled or tested since the 2009 collapse, which makes the issue more pressing, so as Alexis Tsipras claims it is turning a page, will it be for better or for a lot worse for Greece and for the Greek people. Only time will tell.

Tag Archives: Zoe Williams

Considering sources

Just an idea I had

Double standards, no resolve (part 1)

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