Adam Christian Business Services

IMF Downgrades Britain's Economic Growth Forecast

2012-01-24T12:00:00.001-08:00

Any economy is built on the growth of that country and the system of achieving such growth. The United Kingdom relies like so many other westernised countries on spending money on goods and services. These goods and services are provided at a price with emphasis based on profit and not quality or how useful. But we do not supply useful goods and services that have longevity but we look to make a quick buck and get out into another more lucrative business, this becomes our economy of growth.

It places the people in debt as they have to borrow more to support their buying of so much worthless throwaway possessions and our politicians say these words over and over again

" We Need To Stimulate Growth " meaning people are not spending enough and like sheep they are led like lambs to the slaughter and end up with miserable lives making them feel worthless human beings like the possessions they hold so dear, even at the expensive of their family.
Read the Article at HuffingtonPost

Social Care Faces Looming Cash Crisis, Say MPs On Health Committee

2012-01-24T11:37:00.001-08:00

I have spent nearly 5 years looking at " How Care In The Community " is set-up to work and it works in every case in favor of the suppliers of care and not the client`s, who receive care. When l started this investigation l was of the opinion that the elderly, vulnerable and infirm get the best care from our organisations, charities and providers. This is clearly along way from the truth as companies vie for their share of this lucrative and expanding market-place making millions in some cases, whilst others much smaller and more caring get squeezed out.

This is not a case of " Care In The Community" but more of a case of " Profit Over People " we do not just need to reform the present system we need to tear it down and start from the foundations upward.

Don`t get me wrong their are a few really caring soles but they are becoming fewer daily by the fact that they are becoming disillusioned by the fact that they cannot change anything, so why bother trying. Then we end up with people that care about how many calls can l visit and how much can l earn.
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David Cameron Outlines 'Moral Capitalism' And Need To Curb City Excesses

2012-01-19T07:10:00.001-08:00

Any good politician can only become a great leader by listening to the people and not by knowing all their is to know about what they think they understand.
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JPMorgan Chase Earnings 4Q 2011: 'Mildly Disappointing' Year Means Customers Could Pay

2012-01-17T03:52:00.001-08:00

We squeeze the banks they punish the customers that provide the money that makes their business successful. Well now we tax the banks and squeeze their profits and they do not care about customers as the money in their banks are their own investment profits, which is much greater than the money customers pay into their banks daily.

We may not need to bank with them but they do not need us to bank with them either, this is the difference between now and then, then they needed retail banking and our money, now they do not and sooner rather than later they will not need us at all.

THIS IS WHAT TOO BIG TO FAIL REALLY MEAN`S
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Eurozone Crisis: Standard And Poors Downgrades Euro Bailout Fund

2012-01-17T03:29:00.001-08:00

By changing its name from EFSF to ESM and creating another vehicle will not detract from the fact that by buying increasing amounts of debt from countries totally ill equipped to repay their present repayments, it will not save the present situation.

The first and most fundamental change has to come from firm foundations of how does the country receiving any bailout fund repay the amount they borrow. They need trade contracts that are secured with the funds not idle promises of support.
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Nick Clegg To Reveal Plans For 'John Lewis' Style Economy

2012-01-17T03:04:00.001-08:00

The more l have followed the exploits of our coalition leader the more l have seen the change in his party political stance from liberalism to conservatism, this is just one such change. I am not against sharing per se but by allowing everyone the chance to share in wealth of any company will allow those with more to own more and thus still enable those with more to dictate to those with less.
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Bailiff Behaviour Targeted By Ministry Of Justice

2012-01-15T12:21:00.001-08:00

This is an act that should be repealed and given a complete overhaul given to how this is applied in today`s cash strapped world.

From a young age we are taught by successive governments that to keep the economy growing we need to buy goods and services, even if this means borrowing money on credit arrangements. As from our first agreement we are all on a downward spiral of indebtedness,so more than others.

As peoples incomes, jobs and livelihood are put at risk anyone can end up with the not being able to repay their debt`s and anyone having been in debt will know when you lend your lender is your friend, but when in debt no one want`s to know you.

Then one day a bailiff comes calling and once, that`s right just once you let them over the threshold they can come back anytime and gain entrance by fair means and in most cases foul.

So it is time for a real overhaul.
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Lib Dem Simon Hughes - Benefit Reforms Will 'Break Up Families'

2012-01-15T12:04:00.001-08:00

If we want to change the welfare system firstly it has to be fair to both middle and lower class families alike. The system at present does not allow for anyone earning a low wage to be able to benefit as the word suggests from the construction of the system at present, these are typical of these figures picked up from a comment. It is an example of the unfairness in the gearing.

As for the cap it should be in place. So as people who have been claiming 170K plus on benefits to live in Knightsbridge cannot claim these types of benefits.

Families of 5 kids have been getting the following

Housing benefit - 104,000

Child Tax Credit - 13,337.04

Income Support - 5,539.67

Council tax - 2,157.83

Child Benefit - 3,863.91

Free Schooling - 6000 * 5 = 30000

Free Health Care - 1800 * 7

Total 172,000
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Do Friday's European Downgrades Matter?

2012-01-15T11:38:00.001-08:00

As the Euro Zone countries are all gradually down graded the affect will be felt by the lack of confidence that other non-euro countries will not invest in that country. The knock on effect is even more revealing as countries down graded that have at one time borrowed at the most advantageous rates of interest, will have to pay more and this will put a greater pressure on their ability to make repayment of their debt.

This will eventual lead to a bond melt down and will with in the next 6 months lead to a number of poorer Euro Zone countries leaving and decamping to other currencies, leaving the richer ones to their own devices.
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Arianna On How To Fix America's Economy

2012-01-15T11:13:00.001-08:00

The problem with capitalism is that it is geared to making money and not building up wealth and prosperity for the country. I was always of the mind having been involved in finance for many many years, that we look at the client as the most important and in this case the client is the country.

By providing wealth and prosperity for the people we can by gearing provide the way to fund the country by provision of a simple system of not-for-profit services providing jobs for people. These jobs have to be able to provide food, clothing and a home for people as a God given right and not short-term gain for long time profit for the politicians.
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Boost For Agency Workers Over Pay And Conditions

2011-12-24T04:08:00.001-08:00

One of the latest ways these companies have to employ workers has been using agencies specifically set-up by people to provide contracted health services on a tender basis, for catering and cleaning. The contract is then accepted at best price, based on the lowest cost thus saving money. They then allow these companies to write their own contracts as to how they spend the money and as such they can employ on short-term contracts people on low incomes and allocate smaller amounts to other resources, thus leaving the lions share for profit.

This leads to poor quality food lacking in nutrition for the elderly in need of overcoming their illnesses and and inadequate provision of cleaning services in certain areas.
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Eurozone Crisis: ECB's 'Back Door Quantitative Easing' Lifts Markets

2011-12-21T06:59:00.001-08:00

With borrowing comes responsibility or so the story goes because this story gets more like a pantomime everyday. You can make your own mind up to which one and who plays certain characters but now we have a benefactor good olde ECB and what have they offered this Christmastide well money of course, well they are a bank. But not just any bank but the bank of last resort and what does the one in [drag-hi] do but buy up all the debt of other countries.

Now we should all be saying well done but instead we are saying he`s behind you and his name is not Abanazar, but something much worse the " Ghost of Christmas Of Yet To Come " namely a huge " Debt Mountain " but in the meantime people will still dress up and act out the pantomime until the very last act.

The it will be CURTAIN`S
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Bank Of England May Print More Money In 2012

2011-12-21T06:36:00.001-08:00

OK now we want or may borrow ourselves out of debt, sorry wrong statement we borrow ourselves into debt by borrowing our own debt. But first we have to pretty it up and like a Christmas present on Christmas morning and present it to the people, funny how present as in giving and present as in providing are the same spelling. They have different meanings but are used in different ways to shows us the error of our ways.

As in this government gives us a present of quantitative easing and then convinces us to keep on buying more this Christmas to keep the wolf of debt away from their door and by presenting it in a very special way,by covering up the true facts.

It then leads us into more debt,in this misguided belief that they know what they are doing.

Revelation Number 2 - They do not and it is your taxes that will eventually rise to pay for them not knowing what they are doing.
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The New Blue Collar: Temporary Work, Lasting Poverty And The American Warehouse

2011-12-21T05:49:00.001-08:00

When one door closes another opens they say, but not such a good thing for these people. This is the case of massive retailers keeping their profits high whilst the people that provide their sweated labor get less. Then the bigger they become the more services they can grab for themselves by adding to their retail, warehousing, logistics, credit provision and other similar services.

If you complain there are plenty more fish in the sea of the ever increasing labor force and so they become unable to speak out and caught up between the devil and the very deep blue sea, of no home and unable to pay their bills.
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Bank Of America To Lose Most From Overdraft Fee Rules: Report

2011-12-21T05:27:00.001-08:00

A new rule that requires banks get consent before charging customers overdraft fees will cost BofA $3.3 billion per year, compared to the $1.4 billion that Wells Fargo will lose per year and the $1.077 billion JPMorgan Chase stands to lose, the research note finds.

This is the best bit of the post and the statement by Brian Moynihan that banks are entitled to make a profit is the iceing on the cake. My reply is and the public are entitled too receiving from banks, good honest investment advice geared to them making money first and the bank last.

Revelation is is THEIR MONEY not your`s BOFA and others.
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Public Sector Borrowing In Surprise Fall To £18.1bn

2011-12-21T04:50:00.001-08:00

Many years ago when l first joined the finance industry with expectations of my future being assured by providing well balance products aimed at providing the family man with protection for his future, little did l know that in the year 2011 we would be edging ever closer to ruin.

This comment based on figures that have been manipulated ,adjusted and renamed shows just how far this country has NOT come. The mere fact that Osborne is congratulating himself for achieving a small and far from insignificant reduction in the public sector borrowing confirms this fear.

But then to state that the governments debt rose to a fresh figure of £977.1 billion which is 62.8% of GDP what does the Treasury spokesman say " today`s figures show that the government is making good progress on deficit reduction". What! reduction? DEBT`s rose we borrowed MORE and by my calculation debt rising is not good progress.

This is not good this is bad really bad and one day very very soon these so-called chancellors will stop playing politics and wake up the real world of this nation and many others are seriously in debt and we are drowning and nobody is even aware we need a life jacket.
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Vince Cable, Business Secretary, Tells Bankers To Stop Whingeing

2011-12-21T03:27:00.001-08:00

The problem with trying to get bankers to fall into line is that throughout the financial services industry ,exists systemic greed. It is not that only a few have become corrupt it is the whole of the system of economics in its present form. To eradicate corruption we need a systemic weed killer and someone brave enough to use it, take a look at the structure of people in charge and l cannot hand on my heart see anyone l would choose that cannot be corrupted.

But my question is what is the price of all this corruption in the end ?
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Eurozone Crisis: Bank Of England Prepares To Support UK Banks In Event Of Collapse

2011-12-21T03:01:00.001-08:00

This is still the blind leading the blind as we edge ever closer to the precipice of greater debt. I understand that Charlie Bean must provide reassurance. Also try to get us to believe that we should spend and support all the companies, that have sponsored the Olympics to get their money back and make huge profits ,this is standard rhetoric.

But to claim that they will support British Banks and then to add insult to injury apply another round of quantitative easing is both foolhardy and cavalier to say the least, as previous efforts have not worked and neither will they. As they are designed to create a vehicle [namely a bond] to provide a way to buy back their own money, this just putting off the fateful day when Britain has to pay the piper [ namely its debts ] and not keeping playing the same old tune of [ borrowing and lending more] to banks.
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Train Fares Set For Six Per Cent Rise In January

2011-12-20T05:15:00.001-08:00

When you privatise any company or corporation using private money under the guise of a private finance initiative then they want a return for their investment. In the case of the railways each part has been split so many ways in obtaining best return for greater profitability for the investors it no longer works efficiently. Now the latest ruse is that the government wants its money back and guess what the tax payer must pay higher fares so they can get back their own money, namely taxes used to fund the governments investment in of all things the railways.

I will call this " The Circle Line " for want of a better phrase as it goes round and round in circles and the loser every time the tax payer.
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UK Riots: Arsonists 'Could Be Shot' In Future Unrest, Police Tactics Review Finds

2011-12-20T04:57:00.001-08:00

I personally cannot see any reason for using live ammunition against the type of protesters that we saw during these riots. We need to isolate the cause of these rioters unwillingness to accept law and order in this country.

Also to establish the reason and whether it maybe related to the way people live their lives of providing possessions,instead of the love of a good well balanced family upbringing.It maybe us that need to change and then these riots may quell themselves without the need for guns of any sort.
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Brittany Murphy's Cause Of Death: Actress Killed By Toxic Mold Says Mother

2011-12-20T04:28:00.001-08:00

This occurrence of black mold seems to be on the increase in houses and l have a colleague of mine that has suffered in a property with respiratory and lung problems over the inhalation of the spores related to this problem.

At present l have a contract for property and maintenance services on a building that suffers excessively from damp and in many cases black mold that is prevalent in downstairs apartments in certain areas. I am presently looking more at the cause and types of building materials used in both the construction and also at drought proofing materials in the walls that prevent release of water ingress.

Anyone reading this post who has any further knowledge or can shed light on any other aspect please leave a comment or email me. Thank you.

I found this related link and it is worth looking at for more information http://www.blackmoldexpert.com/black-mold-health-effects/
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Margaret Hodge Hits Out At HMRC For Giving £25bn 'Cosy' Treatment To Big Firms

2011-12-20T03:34:00.001-08:00

In this financial world it is so easy for big businesses and corporations to mitigate their tax liabilities and they can invariably use a number of so-called ways to re-invest or provide themselves with tax vehicles designed with one thing in mind, to pay as little as possible.

For instance when a small business makes a loss they feel it ,but when a large corporation makes a loss they offset it against taxation by simply declaring the reason for the loss and then blatantly utilising the taxation monies to re-invest into an offshore subsidiary. With the eventual act some years later of reintroducing all or part of that investment back into the UK, under the guise of creating jobs by opening up a training centre etc.
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David Cameron Urges Britons To Stand Up And Defend Christian Values

2011-12-17T09:13:00.001-08:00

Here is an example of a man disillusioned by his own rhetoric and the fact that his hollow words of caring about the real issues like the NHS and not just making sure private enterprise and the PFi does not reap all the rewards, is not a Christian act of humility, this is the first rule of any Christian values.
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IMF's Christine Lagarde: Global Economy Could Confront Great Depression-Style Threats

2011-12-17T08:01:00.001-08:00

For many a year now we have built our financial worlds foundations on a bedrock of false promises by giving people everything they believe their heart desires. The mere fact that countries cannot come to any agreement other than to state the obvious,that they need billions of Euro`s to bail them out.

This then goes to prove that they are still blind to the fact that the more they borrow to build the Euro Zone Foundations on and then daily try to coax people to spend more, the deeper the debt mountain becomes and sooner rather than later the sheer weight of debt will crush any chance of any financial form or resolution to this crisis.

Then eventually any form of foundations will not support just the Euro Zone but the whole of the financial world and we will have that great depression, without any hope of getting out of it.
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Financial Transaction Tax Sparks Hopes That Obama Will Play Robin Hood In 2012

2011-12-17T07:29:00.001-08:00

I would personally like this form of taxation to be introduced as l see it as a way to raise much needed revenue for many departments of the US government, but not too pour cold water on any way to tax bankers.I feel that as usual the funds will be misappropriated by unscrupulous politicians and the like.

Also to get it much further Obama will be up against the lobbyists and sponsors of many parities and they will try everything in their political and financial power to derail the bill.

All l can say is best of luck.
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Diary of a Cancer Patient: Getting a Bit Bored of Chemotherapy

2011-12-17T06:34:00.001-08:00

Hi Laura,

I personally have not gone through cancer and l thank God everyday, so l cannot say l understand how you feel. But having been in the Caring industry and looked after people and supported them, l can say how l admire your courage and the fact that you have shared your thoughts on this post. Also l wish you all the best whilst you have your highs and lows as sometimes all you need is someone to talk to and tell them how you feel, that l do understand very well.

So take care and God be with now and always. Ian
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Eurozone Crisis Liveblog: 'Euro-Flu' Is Contagious

2011-12-17T06:18:00.001-08:00

The decline in the Euro and the rise of the dollar will give way to eventual reduction in gold prices, as the countries like Germany who have stockpiled it in readiness and are now in the process of minting their own defunct currency. Enabling it to become a standby solution and will soon find that it will become as worthless as the paper it is written on.
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Problem Families To Be Helped By 'Troubleshooters', David Cameron Announces

2011-12-15T05:12:00.001-08:00

This is a very expensive way to mend broken Britain as this government is trying to mend society with the very tools that has broken it in the first place, namely looking after the businesses that support their funding to be re-elected. You cannot mend a broken heart or someone that is poor in heart just by paying people £75,000 per family to get people out of trouble, they are in trouble due to society and the way we live our lives.
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Government U-Turn on NHS Targets

2011-12-12T10:08:00.001-08:00

Targets were only a way of getting the N H S to crumble under the weight of administration and this would enable this government to follow up with an underlying plan that Thatcher had for N H S and that is to enable privatisation and create jobs for their cronies.
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Long-Term Jobless Eye Bleak Future As Unemployment Benefits End

2011-12-12T09:35:00.001-08:00

It is true that people should not rely on benefits as a way to live in this world, but work in any job that the country and its employers are willing to provide. But the world starting changing a long time ago when homes become expensive as did food and household bills, we can blame greedy people be it governments and the like.

But the truth is that who ever had built the financial structure we now have constructed on un-firm foundations of borrowing over what they could really afford, was always on a hiding to nothing and it would only be time before it all came crashing down.

The only way to built anything be it an economy or life is to use firm foundations of people over profits every time, now we have to deconstruct before we can construct a better world.

One step at a time as always.
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Peers Must Stop This Unjust Bedroom Tax

2011-12-12T08:28:00.001-08:00

This is just another example of this governments welfare reform bill that they say is for the people but l say it is for themselves and it is the people that will pay.
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Cameron's Eurozone Gamble Praised By Tory MPs, But Clegg's Not Happy

2011-12-10T04:57:00.001-08:00

This was to be expected as Cameron was between the devil and the very deep blue sea that divides Europe and the UK. So the decision was inevitable as his chances of getting backing from his party faithful was non-existent, if he said yes to anything they did not like.

The next step will be interesting as l do not believe Merkel and Sarkozy will want him back under any circumstances and this is one less thorn in their sides, leaving them to form their coalition - sorry l mean fiscal union with Italy and the other sheep - sorry l mean members.

A divided Europe is what people said well last nights decision by Cameron has provided their Christmas wish.
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Drought Warning: Lack Of Winter Rain Could Hit British Summer

2011-12-01T04:38:00.001-08:00

It is about time we look deeply at water conservation as " The Signs Of The Times Are Here" and for the past 5 years we have seen an increase in certain areas of the UK that things are a changing with wildlife and migration habits of our birds, to name just one.

Now we are looking at our ever changing environment and its future affect on our water supplies.
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Eurozone Crisis 'Exceptionally Threatening' To UK Financial System, Bank Of England Warns

2011-12-01T04:27:00.001-08:00

This comment " About banks must strengthen their solvency " is a ridiculous statement to booster market confidence and is impossible for these 4 simple facts provided back in 1973 by the Solvency 2 Directive and are as stated:

1. To reduce the risk that an insurer would be unable to meet claims;

2. To reduce the losses suffered by policyholders in the event that a firm is unable to meet all claims fully;

3. To provide early warning to supervisors so that they can intervene promptly if capital falls below the required level; and

4. To promote confidence in the financial stability of the insurance sector. http://en.wikipedia.org/wiki/Solvency_II_Directive

If and it is a big if we could sort out numbers 1 and 2 these occurred in 2008 and we are already too late to implement number 3 as we all ready have too much debt and as for number 4 just taking the word "confidence"as an example we are lacking consumer confidence following the PPI debarcle and which politician would inspire anyway in the right mind to support such a plan as to get us to believe in what they are promoting will work.
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Florida, California Take Cut Of Bank Fees On Unemployment Benefits

2011-12-01T04:02:00.001-08:00

This is another example of how banks, finance companies and governments confuse people by the way they purposefully structure a contract, the words transparency get used again and again to cover up their ability to hide the truth from the unsuspecting public. In this case with the launch of this simple way of stating the following.

" The switch enables recipients to have their benefits directly deposited into bank accounts and to avoid check-cashing fees. There also are no fees charged for using network ATMs and for making up to two transactions weekly with out-of-network machines" This extract was from the article courtesy of http://latimesblogs.latimes.com/money_co/2011/02/disability-debit-cards.html

We are left feeling what a great idea and then we find out the truth with a comment like this from someone using the new cards." Nobody mentioned the fees until I got the card and the little brochure that kind of tells you where you can use it," he said. Then this takes a way of helping people to helping themselves to yet another level of giving with one hand and taking with the other.

Any contracts should be clear of the intention of the contractor and the person receiving the contract and nothing should be hidden from view always.
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Emerging Economies Are Prospering as the West Muddles Through

2011-12-01T03:32:00.001-08:00

As our world economy becomes an ever changing back drop of globalization a number of evident factors are being abundantly clear. Firstly the US and UK are in such a vulnerable situation that they are unable to take advantage as they once did of the poorer nations that were desperate to export their goods, but were hogtied and instead had to accept imports from the richer and then more powerful nations. Now the boot is surely on the other foot and as China has grown in power and status and no longer do they have to feel like a poor relation standing on the sideline with their begging bowl and accepting the crumbs of the western powers.

My personal view is that countries like Russia and China to name but 2 of the B R I C S will rise in the export markets from 2012 onward and will become a dominant force and eventually force back countries that have for so long held sway over their countries and the lives of their people.
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Eurozone Crisis: Europe May Tap IMF As Risks Of Euro Failure Rise

2011-11-30T05:01:00.001-08:00

The simple case of borrowing more will only lead to more problems as the true extent of the weaker countries debt problems, are not yet fully known. The only way out of the situation is to allow the Euro Zone to fail and for countries to revert back to their own sovereign currencies, this will be painful but far less painful than increasing countries like Greece, Spain and Italy`s debts by allowing them to borrow more than they will ever repay.
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China's Slowing Factory Production Fuels Fears Of Global Recession

2011-11-29T13:11:00.001-08:00

The difference between other nations and China is that they will support their businesses when they struggle and economic conditions dictate. This is called a commitment to your peoples well being and the fact that they will keep productivity going come what may, so as a slight adjunct l add will they support the Euro Zone when asked or their own people.
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S&P/Case Shiller Index September 2011: Home Prices In 20 Cities Fell As Market Continues To Struggle

2011-11-29T12:29:00.001-08:00

You cannot stop the senate from supporting any oil price rises or cutting subsidies for any industry if it provides the politicians with an increase in their investment share portfolios and huge sponsorship donation`s. In today`s world of buSINness over people [That many politicians think of as sheep ready at ever turn to be shorn] with their latest change to laws to our healthcare,schools and human rights to use democracy to demonstrate how we feel about them and their policies.We are and for the present on loser as every turn is already anticipated by their ever present media and spin doctor`s.

But their day is coming sooner than they realise and when they least expect it.
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Autumn Statement: Public Sector Job Losses Will Spiral To 710,000 By 2017

2011-11-29T11:14:00.001-08:00

I watched the Autumn Statement by George Osborne with interest and not for the purpose of believing he had any intention of giving anything away to the less worse off, unless of course like he usually does robs Peter to pay Paul. In this case the only thing that stood out most of all was the self appreciation society of hangers on hoping to gain the chance to rise one day to the upper echelons of the so-called power base better known as the inner sanctum, where only the ones who brown nose their way up the greasy pole get their chance.

On a lighter note having vented my spleen anyone wishing to listen to his dribble sorry statement follow my link to my favorite UK newspaper the Telegraph. http://www.telegraph.co.uk/finance/debt-crisis-live/8922143/Debt-crisis-live.html
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How Henry Paulson Tipped Off Hedge Funds To Fannie-Freddie

2011-11-29T10:56:00.001-08:00

Working on the basis that by tipping off the hedge fund managers it would enable the likes of Fannie and Freddie to be made aware of what would happen next, but to also have knowledge of the markets in such a way as it would if you used correctly enable anyone to capitalize on the present situation to their advantage.
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Paypal Email Scams

2011-11-10T07:29:00.001-08:00

This was following a story l recently read on the Telegraph and relates to how easily a person could be scammed into believing they had received conformation from a legitimate source such as Paypal advising monies had been paid and advice on how to prevent yourself being conned.If you want to read the whole story yourselves please follow the link here http://www.telegraph.co.uk/finance/personalfinance/consumertips/jessicainvestigates/8850893/Paypal-scam-results-in-1000-loss.html

The following information is as l copied and pasted from the Telegraph and has not been altered in anyway.Please ignore the comments are closed box as it refers to the Telegraph article and l am always grateful for feedback on the blog using disqus and you can share you comment to any social media network.

As usual thanks for reading and visiting need any debt management advice it is FREE leave a comment, join my circles on Google + or email me by signing in.

Regards, Ian [Editor]

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Dr Rowan Williams, Archbishop Of Canterbury, Backs 'Robin Hood Tax' On Banks

2011-11-02T12:09:00.001-07:00

What always bothers me about the church getting involved goes back to when l was a boy and my Dad would say " My Son Politics and Religion " should never be mixed. At the time l thought l cannot see the reason but now many years later it becomes very clear that both have their own agenda and one relies on faith and the other relies on words.

What l mean by this statement is with religion and the church they are governed by faith and belief and with politics they are governed by words providing a way to act as duly elected officials for the people. Whereas the church expects us to believe in their God their way by prayer as they act as Gods messenger.

Me well l believe in God as our provider and not in politics as our savior and when l hear that religion or the church is getting involved in backing a tax l see one reason and that is they see a way to take what people believe and turn it into their way of filling their churches ant their coffers.
Read the Article at HuffingtonPost

Eurozone Crisis: Euro Deal On The Brink As Greek Cabinet Agrees To Papandreou's Gamble

2011-11-02T11:25:00.001-07:00

It appears that Papandreou`s may have a hidden agenda and this may be his way of sweetening the pot and getting an even better deal for himself over his debt, as the Eurozone may have to increase the discounting to a higher amount. What do you think?

http://finance.fortune.cnn.com/2011/11/02/greece-referendum-bluff/?iid=HP_Highlight
Read the Article at HuffingtonPost

Eurozone Crisis: Euro Deal On The Brink As Greek Cabinet Agrees To Papandreou's Gamble

2011-11-02T11:12:00.001-07:00

This would seem simple in the main. Firstly Papandreou's wants his people to agree that he is doing the right thing by agreeing with the 17 and as we all know most of his people will vote NO as it will mean cuts to their standard of living for years to come. Secondly by proceeding with the agreement made with the 17 he has to provide the same cuts to his peoples standard of living - possibly for more years to come. So either way as it stands he will end up doing the wrong thing.

But there maybe a third as nobody knows what would happen if Greece ends up out of the Eurozone, of course we can all provide answers based on what we already know from the past, but as many economists now admit these are unusual times when this has never happened before ,so based on that thought alone how can we be certain of the outcome.
Read the Article at HuffingtonPost

My Overview of Freddie Mac: Rental housing rises in 2011

2011-10-18T05:22:00.000-07:00

Freddie Mac: Rental housing rises in 2011:

Despite the most affordable buying market in decades, households across the country are slowly choosing rentals versus home ownership, signaling a positive economic trajectory for the multifamily sector, according to Freddie Mac’s October 2011 economic outlook report released Monday.

In the year ending June 2011, the Census Bureau reported a net increase of 1.4 million households that [...]

All the above posts are provided by me and any comments l provide are my own view of the markets and are not the views of the article writer and or news provider.

My Overview -

As more and more people become disillusioned with banks and finance companies they are turning back to what they believe is a securer way to make sure their family has a roof over their head. Of course having seen the rising investment banks supporting property purchase over a number of years with higher and higher equity percentages and the drop in property values, the secure rental market no longer demands a good tenant but higher and higher rentals from their property tenancy.

The eventual upshot is hard to contemplate but unless the world changes from an economy built on borrow now pay later and a business is only success is measured by its profitability and not by its loyal customer base, then we are doomed to a lower standard of living and having to realize one day that our way was wrong and pay now is much better than pay tomorrow, as sooner rather than later we will have used up all our tomorrows.

Government U-Turn On State Pension Age After Fears It Will Hit Women

2011-10-13T12:41:00.001-07:00

Anyone trying to put this country back on the road of recovery should take the figures of £1.1 billion and divide it by 33,000 and the cost is ridiculous in the extreme. I realize that it is wrong for people men or women to suffer due to the greed of subsequent and existing governments, but good economics need a a firm hand at the tiller and someone with back bone to carry out difficult decisions.
Read the Article at HuffingtonPost

Warren Buffett's Income Was $62,855,038 Last Year

2011-10-13T12:26:00.001-07:00

Anyone stating that he gives a lot to charity so everyone hears his voice is able to utilize the fact that people will hopefully believe he really cares about people starving and not the fact that giving can be rewarding to his pocket rather than his heart. " Man cannot worship God and Mammon "
Read the Article at HuffingtonPost

Phone Hacking: Bad Journalists Should Be 'Struck Off', Says Ivan Lewis

2011-09-27T13:47:00.001-07:00

In the world of free rights and free enterprise we allowed " Freedom of the Press " and in so doing we gave cart`e blanch`e to providing a platform for anyone to print anything including half truths, part truths and even down to any connection they can mold together that sounds half plausible.

If you do not check your facts and print lies then you should not be allowed to print any news whatsoever, as it brings down the reputation of every honest journalist, that works hard every day to bring us quality news articles, well researched and well written.

The bottom line has become it sells newspapers and as we all know any news to these people including bad is good for newspaper profits, witness the rise of the Murdoch empire.
Read the Article at HuffingtonPost

Labour Party Conference 2011: Ed Miliband Warns Of 'Quiet Crisis' In UK Society

2011-09-27T13:29:00.001-07:00

So if we acknowledge the new bargain my question would be any bargain is only an old product dressed up to look a bargain.

Then my questions to ED would be if we reward those that contribute to our society, who decides who the people are that are worthy to receive?

Also by what do we measure their contribution this will not not be contributions to their party fund will it?

So l wait for you to put some flesh on the bones first before l can say, it might work, maybe.
Read the Article at HuffingtonPost

What's Missing From Germany's Euro Plan? Compassion.

2011-09-27T13:06:00.001-07:00

A superb explanation Derek and shared on my blogger network and thanks. Ian
About Germany
Read the Article at HuffingtonPost

Tim Geithner: Infrastructure Spending Will 'Make Companies More Competitive'

2011-09-27T12:14:00.001-07:00

So often l have heard the words " Making A Country More Competitive " my question has always been for WHO ? As when ever a politician with less foresight than a blind person struggling to see the light of human kindness as they make their way through tortuous twists and turns trying to justify their reason for recommending this company or that, but ending up with the ones that will make them money and not the poor little companies earning a penny.

This is what they called " Opportunist " not " Competitive " so l add for this comment for WHO-ME?

So you can fool some of the people some of the time but not all of the people all of the time, try again Timothy and l suggest its before the US debt of $14 trillion grows to $15 trillion, clocks ticking.
Read the Article at HuffingtonPost

Freddie Protecting Banks, Not Taxpayers, And Never Mind Homeowners

2011-09-27T11:49:00.001-07:00

The words that come to mind in this and many other cases of this type nowadays is " What Is In It for Me " well Fannie and Freddie repaying the taxpayer for them providing money from the sweat of their brow.
Read the Article at HuffingtonPost

Government Shutdown Looms After Senate Blocks Short-Term Funding Bill

2011-09-24T08:09:00.001-07:00

The actual stupidity of this government and their elected officials arguing over who is right and if one party does not get its own way, throwing its dummy out of the pram is childish in the extreme.

Stop all your posturing about being right and get it right by working together,oh just for a minute thought is was real life, sorry just a dream that was so close to a night mare.
Read the Article at HuffingtonPost

George Osborne: Six Weeks To Save The Euro

2011-09-24T07:50:00.001-07:00

The problem with the financial crisis is that it can only be resolved by giving and not looking after your own little boat while others sink around you. The politicians keep saying we all need to tighten our belts to pay for other peoples inept ability to look after the people and these inept people are our duly elected politicians who are saying tighten your belts.

Of course he means YOU not HIM or any person who got us into this position in the first place, come on Mr Osborne if it means WE its time to mean YOU and your other hanger on`s as people are losing faith in their elected leaders to lead anyone and the sheep only can be shorn so many times and then their wool will not regrow.
Read the Article at HuffingtonPost

The Average UK Household Spends as Much a Week on Charity as They do on Cheese

2011-09-24T07:27:00.001-07:00

The fact that charity is no longer the act of giving from oneself and now it comes from someones pocket no longer making it a thought of charitable giving from the table of love and care,but a business. They may use the analogy of it being a trust, non-profit or some fancy way to relieve people of their cash and making sure they can justify their actions by adding you get tax relief on your donations if you fill in this form.

Anyone coming and shaking a tin or bucket at me will not get me to give but if l see someone in need l will find a way to provide a job, food or a roof over their head, that is my way and l believe the true meaning of charity as it begins in the heart as home is were the heart is and boy does it make you feel good.

This way me and my organisation can choose who l feel really need help and guidance and as so often happened in the past, by giving money to anyone they never always use it to feed themselves,but to gamble, drink or worse.
Read the Article at HuffingtonPost

Behind the Gates at Dale Farm

2011-09-24T06:57:00.001-07:00

This is a case of which is more important people or houses and whether as a human beings we should put these people first and try to work with them instead of considering that they are part of our NIMBY culture. With comments on the Telegraph live feed l had been following personally l was pleased that these people have got a reprieve be it short term and just maybe a they can reach an amicable decision.

Can we really call ourselves a nation of caring individuals when we would evict fellow human beings without a thought for their children and the elderly?
Read the Article at HuffingtonPost

Goldman Sachs Could Be Headed Toward First Loss Since Financial Crisis

2011-09-24T06:14:00.001-07:00

This is a necessary evil of people needing to invest their hard earned savings and looking at what investment products will give them the highest return, when in effect they should be looking not at short term gain but a long term strategy. So along comes a snake or a bank hell bent on fulfilling their wishes and them making a killing into the bargain.

The key is not too make a deal wit the devil by wanting the best of everything as one day the devil wants its pound of flesh.
Read the Article at HuffingtonPost

Capital One Merger Presents Federal Reserve With 'Too Big To Fail' Test

2011-09-18T12:31:00.001-07:00

I have been trawling through the I B C Final Report provided by Vicker`s and have only got to page 14 of 400 plus pages and so far cannot say l have come to any conclusion that will enable the UK to control banks activities. So when it comes to banks too big to fail l have only one comment to make. If we do not let any business, company or bank the chance to fail we will never find the reason why they are unable to be controlled, as l have always found hidden in any small print of any document is the answer, to the truth.

So my view in this case firstly is do not let UK or US taxpayers bailout greed and in so doing we now have the chance that eventually they will not need us as they have control over what we freely paid into our bank accounts in the past that made us feel able to control our own money but given enough rope they will control it for us and convince they are right.

Anyone interested in reading the pdf in full can download it at the link below and let me have your comments l did not put pdf url as you may wish to download opening remarks as well.

Once l have read all pages l will report my findings on my business blog at

http://aceworldwideservices.blogspot.com/

Link for pdf is at http://bankingcommission.independent.gov.uk/
Read the Article at HuffingtonPost

Georgia Works: Obama Plan To Let Jobless Work For Free Gets Key Backing From Paul Ryan

2011-09-18T11:27:00.001-07:00

I do not want to pour cold water that on the face of it seems a life saver for the unemployed and l agree with anything that will enable people to gain onsite training, as so often people do not get a chance to use their skills.

But is this not just a way for employers whose profits have been squeezed to have free labor and not just free but paid for with benefits provided by taxes paid by the remaining work force.
Read the Article at HuffingtonPost

Vince Cable, Business Secretary, Wages War On Top Pay Culture

2011-09-18T11:03:00.001-07:00

Is it fair for people that are classed in this capitalistic society as our boss or employer to receive massive bonuses classed as a perk or a way of rewarding themselves for a job well done, whilst the employee or worker is paid what they are worth. How much is the value of a person to a company and the answer is invaluable as without them their will be no productivity or profits to pay the bosses their massive bonuses.

So who is needed more the worker or the boss and the answer both as by treating the our employees as people instead of worker ants and working together so everyone shares in the fruits of the labors, then bosses would have a bonus for everyone not just themselves added to that they will have a happy and content work force, no union disputes and profit to share with their workers and reinvestment to provide more jobs for more people.

Everyone gains in a fairer society.
Read the Article at HuffingtonPost

Liberal Democrat Conference 2011: Nick Clegg Intends To Stay On Beyond 2015

2011-09-18T10:39:00.001-07:00

This will of course depend on whether they are a party in waiting or a party in disarray, at the present they need to step up to plate and stop garnishing the truth with false promises.
Read the Article at HuffingtonPost

Simon Hughes: It's Our Job To Rein In The Ruthless Tories

2011-09-18T10:15:00.001-07:00

It is a true statement that the Liberal Democrats should rein in the Tories and share the governing of the United Kingdom but this is a man who l feel would make a great leader but always states l do not want to be the leader.Maybe he is having second thoughts after 40 years of following successive leaders,before it is too late and he does not have a party to follow.
Read the Article at HuffingtonPost

David Cameron Campaigns To Put The Great Back In Britain

2011-09-18T08:25:00.001-07:00

Having been involved in marketing for many a year to make any campaign successful we need a product that will sell. In the case of broken Britain we are trying to put the wheels back on the wagon before we mend the wagon. People will only buy into his concept if it contains less spin and more substance and the problem is we lack substance as a nation as our only reason for marketing has always been profit and not people.

It is time to wake up and smell the coffee beans and not grouts and provide people with a future built not on a foundation of unfulfilled promises but on firmer foundations of a manufacturing base of quality goods and services delivered by the people for the people.

Then we have our substance to market and it will sustain any winds of discontent and enable us to harmonize our nation of self doubt into a world of people wanting to say Britain is great as we put people first and profit second and our coffers are full to overflowing.
Read the Article at HuffingtonPost

Voters Abandoning The LibDems, According To ComRes Poll

2011-09-18T08:03:00.001-07:00

These statistics confirm what is always the case of any polls whereby a new government has to be careful in these days whereby their image can be so easily tarnished by implementation of policies that the people feel penalize their way of living their lives.

In this case if they do not get better off in their pay packet or some politician tries to tax their way of enjoying themselves, they vote for someone else who will give them what they want. The act of thinking of the people worse off than them does not enter their heads.

So in comes a new person with new ideas sounds like he/she cares and they will be better off than they are at present, forgetting the previous incumbent also did not do what they said they would.

Is it not time to stop all this squabbling among parties and work together for the good of the country, party and people instead of all this one up man ship.
Read the Article at HuffingtonPost

Liberal Democrat Conference 2011: 'Affluence Team' To Target Top Earners

2011-09-18T07:36:00.001-07:00

I am fully behind any government taxing the rich and making sure that anyone on the fiddle or evading taxation but l do believe passionately in making our systems fairer. So firstly trying and l repeat trying to tax the rich earning more than £2.5 million is ludicrous in the extreme, as they have this money because they can afford tax lawyers that get well paid to look after their money and show them how to avoid taxation.

We need to be more realistic and tax people on a stepped basis and start at earning levels as low as £50,000 and upward and then and only then can we take people who earn £200.00 per week or less out of the tax system entirely.
Read the Article at HuffingtonPost

Obama Millionaire's Tax: President To Seek New Tax Rate For Wealthy

2011-09-18T07:14:00.001-07:00

You never said a truer word but we also need a way to tax people on a stepped basis starting at a lower rate of say $100,000 and raising more taxes and then we would be able to alleviate the tax at the lower end for those with less. Also added your comment link to my blog network. Thanks Ian
Read the Article at HuffingtonPost

Obama Millionaire's Tax: President To Seek New Tax Rate For Wealthy

2011-09-18T07:08:00.001-07:00

Absolutely and it is how they cut the cake and who gets the biggest slice and it appears that Germany share their cake more equally in favor of peoples services and the US in favor of themselves. It is the old adage my organization was founded by people before profit and share all profits by reinvesting for those less fortunate than yourself.
Read the Article at HuffingtonPost

Obama Millionaire's Tax: President To Seek New Tax Rate For Wealthy

2011-09-18T06:54:00.001-07:00

Many times and in many ways Presidents, Governments and politicians alike propose a new way to tax the rich, citing reasons of they have more and can afford it. But as proposals go most do not make it to the church steps let alone a marriage made in heaven being achieved and as most proposals go taxing the rich usually ends up as a compromise or at the least a marriage of convenience that eventually sours into a acrimonious divorce.
Read the Article at HuffingtonPost

GOP Candidates Revive Idea Of Privatizing Social Security

2011-09-18T06:22:00.001-07:00

Are we not considering this from the wrong angle and the fact looking at privatization of the Social Security system is only one step away from enforcing a state of have and have not`s and also realigning debt by making the poor become poorer.

My own personal understanding of any social welfare system was that it is to support people unable due to circumstances and the fact of falling on hard times to have a support structure in place. It is not for the scroungers who can work but choose to make an excuse for not doing a job and do not want to get their hands dirty, or even for those that manipulate the rules to be able to have what they want when they want the way they want.

By privatization of any welfare system we take away that right to that a support or even moreover to provide a cushion for those times when we can no longer support ourselves or our families. It is not and never should be a profit making enterprise.

Neither should it be a right for anyone to receive it once they have been helped and guided out of their present situation and back into a position of being capable of earning a living, sufficient for their needs. We pay into it to receive from it and then once healed start paying into for others who will one day have need of it also.
Read the Article at HuffingtonPost

Nick Clegg Vows To Veto Tory Proposals To Scrap 50p Tax Rate

2011-09-17T11:00:00.001-07:00

The way one politician after another continues posturing themselves as the upholders of what is right as regards taxation is laughable in the extreme. Forget whether it is right or wrong to tax people earning above £300, 000 they can afford it, as can Osbourne and Clegg.

Spare a thought for the single mother struggling with how to pay for food for her children and the man trying to keep a roof over his families head. It is time for these duly elected politicians to consider the many electorate and not the few rich people.
Read the Article at HuffingtonPost

Obama Won't Include Social Security Reform In Recommendations To Super Committee

2011-09-17T09:32:00.001-07:00

Having mostly lived in the UK all my life l have many times criticized our National Health Service and sometimes have been brought up sharp to realize now my mother is seriously ill, she would not be treated in hospital without private health insurance. This was due to my father being a factory worker for Ford UK and in 1980`s when he died private health care was just for the rich and bosses and people like me dad relied on the good old health service.

In this new and evolving world of change we are being led down the path of privatization by the government presently in power and l am seeing the advent of how big business can get a strangle hold on our most valued of assets fought for by many hard working men to keep free at the point of delivery for many years,until now.

God help us if we end up adopting private health care for the privilege few and not for the many.
Read the Article at HuffingtonPost

General Motors, United Auto Workers Reach Agreement On New Four-Year Contract

2011-09-17T07:25:00.001-07:00

I can see the reason behind your argument but l believe that everyone should lead by example and as a person who has worked for in the main for unfair employers and also learned by working from myself how to provide work for people in need for the past 10 years and never ever was a scrounger even when l could have signed on to pay my bills.

Nobody gave me nowt and l worked man and boy all my life and did not expect to be given a job, but the strong should help the weak and not complain about poor me and l have always put other people first and myself last and never failed to pay to look after my family.

My way is have less myself as long as l keep my promises to other people and many times people have let me down and even left me in debt, but not everyone.

It is our duty as the ones who can to help and guide those that cannot and a job should be a right and return on investment should be last in the employers mind. Then when you need people to stand up and support you when you are in need they will and those that do not are not the ones you can trust.

It enables you to see the wheat for the chaff and gain wisdom over profits.
About Cars
Read the Article at HuffingtonPost

George Osborne Warns Britain Not Immune To Eurozone Crisis Ahead Of Ecofin Meeting

2011-09-17T07:00:00.001-07:00

The simple idea of a single European currency was to enable all countries that joined to be supported when the tough times hit and they needed help and guidance. The problems arose when as soon the wealthier nations have to dig deep they back off like wildfire and put up their shutters to countries in need. The way forward is every one working together for the good of the world not each country out for themselves.
Read the Article at HuffingtonPost

UK Banks Self Regulation

2011-09-17T06:09:00.000-07:00

Are we seriously saying that the UK banking sector cannot go it alone and provide honest services to its customers, whether they be domestic or other as we did in the past?

During my time as a financial adviser l have visited a number of bank managers with a number of clients to obtain funding for their business. These men were in the main honest and gave my clients a good straightforward appraisal of their business plan.These bankers or bank managers were replaced by young go ahead whiz kids with their eye on the future and better more efficient practices covering up their real reason to sell insurance and investment products to customers as part and parcel of taking out loans and opening accounts.

These whiz kids have become the investment bankers of today and globalization has spear headed their rise to power and given them control over not just their own destiny but other peoples lives, savings and future. The collapse should have seen the end of these practices by cutting off their serpents heads but this was not to happen instead we just allowed it evermore lea-way to sink its fangs into our world and eventually someone says " We have To Do Something About This Before It Is Too Late " is it not already too late ?

Unless we can root out the greed within our world starting with the people that are the controllers of our banks and rid ourselves of their venom by cutting of the serpents heads, then just by ring fencing and governing from a far we will never clean up this problem. As these people are inept and immoral to say the least and they are the people who look after our coffer`s and our future and they must be stopped before it is too late or one day we wake up to find they have flown the cuckoo`s nest and took all their ill gotten gains with them.

For anyone interested in reading the Vicker`s final report please download at http://bankingcommission.s3.amazonaws.com/wp-content/uploads/2010/07/ICB-Final-Report.pdf

" The Roving Giraffe News Report " provided through Ace News Service

General Motors, United Auto Workers Reach Tentative Agreement On New Four-Year Contract

2011-09-17T05:10:00.001-07:00

You see l believe it is a right and my reason is that every man, woman and child should be able to have the breadwinner in the family working and providing the need in their home and no uncaring, money orientated employer should have right to take this from them, when their profits fall due to their own incompetence and they need some one to blame.
About Cars
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Fred Wilson, Bijan Sabet Leave Twitter's Board Of Directors

2011-09-17T04:59:00.001-07:00

The only way any social media company is going to make any real money to survive is selling advertising space and running tailored ads through time lines.But one thing is certain only by the person reading the ad and wanting to buy will a steady income stream turn into a torrent. But their is another way l am researching earning by giving and not in the same way as any charity.
Read the Article at HuffingtonPost

Google Propeller App Aims To Blow Flipboard, Facebook Away: Report

2011-09-17T04:47:00.001-07:00

This maybe a useful addition to news sharing on peoples favorite sites of Facebook and Twitter but the question l would propose is will not Facebook try to prevent the integration if this is what happens to their news feed and with their latest application just recently being rolled out to share your news feed, will this so called " Propeller " come to late ?

The question is Google following Facebook or is Facebook following Google and where does Twitter feature in all this one up man ship?
Read the Article at HuffingtonPost

Ron Suskind Book 'Confidence Men': Tim Geithner Ignored Obama Order On Banks

2011-09-17T04:32:00.001-07:00

If a man is put in charge of a particular part of providing help and guidance to a President of a Nation such as the US and your job is " Secretary Of The Treasury" which should mean broken down as looking after the interests of the treasury for and on behalf of the people and in charge of signing off the checks to fund the running of the country.

By simply ignoring the man who gave him the job and looking at restructuring the banks he helped to plunge the country into worse debt than maybe could have been avoided. By ignoring common sense advice and looking after peoples money, he negates his position of calling himself " Secretary Of The Treasury " and should not be in charge of signing off any checks in the future.
Read the Article at HuffingtonPost

General Motors, United Auto Workers Reach Tentative Agreement On New Four-Year Contract

2011-09-17T04:08:00.001-07:00

The fact that this will build up potential problems in a labor market that is declining everyday and manufacturing output is going to have to be reduced to enable companies to survive a ever decreasing market of consumers, whose way of life is changing by the fact a job will become a privilege not a right.

As the consumer changes its buying habits then it is only a matter of time before that retail and marketing sector has to look at how they best protect themselves from the ravages of a ever changing and reducing market. The best way l believe is look after your customers during the bad times and even if it reduces your profit margin and when you most need them when things get better you will have your customers to fill your coffer`s again.

If you ignore the warning and the watchwords and make hay while the sun shines one day sooner rather than later you will be out in the cold and your business strategy will be in tatters.
Read the Article at HuffingtonPost

Republican Presidential Candidates Bash Stimulus, Campaign At Companies That Received Funds

2011-09-17T03:44:00.001-07:00

All the present incumbents and candidates looking to become the next President of the United States or to get into the senate as a side-kick seem to say what we all want to hear and do what they want for themselves. Anyone taking funding just to get votes would not get my vote and the only way to show these so-called politicians we mean business is to vote with our feet, by not voting for any of them that do not act as a duly elected official representing the people of the United States of America and by that l mean doing the right thing for people not themselves.

http://www.5min.com/Video/AP-Top-Stories-517161853
Read the Article at HuffingtonPost

Rogue Trader Suspect, Kweku Adoboli, Weeps In Court

2011-09-17T03:25:00.001-07:00

Not to show l lack compassion but is this man weeping because he is sorry for what he has done or that he got caught. With so many people in world telling lies it is always difficult to know a truth from a lie as both pale into insignificance as more and more is revealed. So my answer to this statement is simply to wait and see what happens.
Read the Article at HuffingtonPost

Banks Who Received Bailout Funding Made Riskier Loans And Investments: Study

2011-09-17T03:06:00.001-07:00

I listened intently to an interview on the BBC today with Bill Winters and how he saw this crisis evolving and how bankers would sell CD`s with what he called " Good Debt " my question to Bill firstly would be what is good about debt and secondly how do you classify the meaning of " Good Debt " in my whole life l have never thought any debt to be good and selling this to other people as products of investment, is not good it is downright evil.
Read the Article at HuffingtonPost

Glass Bakeware Shatters More Easily Than Believed, Says 'Consumer Reports'

2011-09-15T12:18:00.001-07:00

This is the difference between quality and shoddy goods provided by people that care more about their profits than the people who are their regular customers. Our health and safety should come first not their profits. So buy your kitchen ware carefully we will be featuring a range tried and tested products by ourselves personally at best prices and will stand by what we say and honor the manufacturers guarantees. http://bcove.me/4p3s3nw9

More soon.
Read the Article at HuffingtonPost

Most Famous Rogue Trades - And How They Happen

2011-09-15T12:03:00.001-07:00

Having been involved in lending money for well over 25 years and now debt management services for the past 10 years, l can see how easy it is to become a so called " Rogue Trader " its the buzz, not the money that pushes people to steal rather than be honest. It is more about proving how good we think we are than how much it will put in our pocket.

This brings me back to years gone by and how on certain occasions we are led down the path and not by our own volition but by other peoples influences on our life. In one case l was lucky enough to establish the honesty of another human being whilst on business abroad, who was wrongly accused of a crime he did not commit.

Simply to prove the honesty of a person is to put them in a position of will they tell you the truth when you already now the truth about a certain person you are going into business. Well this person proved this and his reward was to get a job back in the business he thought he never would due to be tarred with the wrong brush, in this case other peoples lies.
Read the Article at HuffingtonPost

GOP Tea Party Debate: Audience Cheers, Says Society Should Let Uninsured Patient Die

2011-09-15T11:41:00.001-07:00

This is both outrageous for 2 reasons firstly that anyone on a live debate could say these words and secondly and l am ashamed to say the audience applauded his statement, what a sick world of people who can only think of themselves first and last.

Will we be saying this about the death penalty next and will people applaud " God Help Us " and l do mean God if we do.
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Netflix Price Increase Causes Bigger Subscriber Loss Than Expected

2011-09-15T10:54:00.001-07:00

This is a prime example of a company thinking they are bigger than their consumers and increasing their prices without considering the consequences and in today`s market you have to position yourself to gain peoples respect of your product and its branding qualities and not expect people to stay loyal just for the sake of it. Simply a bad move Netflix better luck next time and tighten up your customer loyalty first and then stagger increases,do not assume people will pay as choice is greater today in your market.
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More NHS Patients Forced To Wait Over 18 Weeks For Treatment

2011-09-15T10:07:00.001-07:00

The healthier we become the longer we wait for healthcare unless of course you are rich and can pay then you can jump the queue and get seen immediately. Of course anyone can manipulate anything to provide a way to increase revenue for any government so provide the services from private enterprise companies such as drug companies, thus keeping people alive longer and increasing the need for healthcare as the population lives longer. This provides a self perpetuating market of consumers making the rich super rich and the poor even less likely to get seen first and 18 weeks in a few years will seem a short period of time.
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Labour Attacks NHS Bill Amendments

2011-09-15T09:48:00.001-07:00

The best comment l found on reading the full story was the fact the government want to call the new changes - wait for it ?

Instead GP consortia are to be called "clinical commissioning groups" and will have governing bodies with at least one nurse and one specialist doctor.

The reason is even better - "consortia" gave the impression that GPs would be too powerful in the coalition's new look NHS.

Well that says it all so what is really behind these changes could it be to cover up how private health care companies can provide services including pills and potions to order?
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Reforms Will Bring US-Style Healthcare to Britain

2011-09-15T09:35:00.001-07:00

At this present time l have been studying the very workings of the N H S and all its components from the outside having been involved in the profession of caring for people in 2 homes and then in our community providing help and guidance to people in need. The actual insight provided by this blogger and Dr has helped me to refocus my efforts to get healthcare in our community for the people who are elderly, disabled and vulnerable with the right care package provided through our agency.

Having witnessed first hand the discharge of my mother and seen first hand how the N H S forgot to provide someone to care in her own home as she is unable to go to the toilet or walk unaided with out a carer and as a result she was discharged and within 4 hours readmitted following another fall.

This is our " Care In The Community " and the inability for the N H S to co-ordinate follow-up healthcare in the community. And unless you can pay nobody wants to know unless like me you do not take NO for answer.
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Reforms Will Bring US-Style Healthcare to Britain

2011-09-15T09:21:00.001-07:00

Superb article Joshua and well said it take someone with foresight and in the firing line to speak as you have, you have my full support, fanned you and will follow and share across my network. Ian
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Iain Duncan Smith, Work And Pensions Secretary, Warns Of 'Distorted Morality' After UK Riots

2011-09-15T09:00:00.001-07:00

The fact that IDS is pointing to the break down of society that was and has come about as a result of how politicians have provided our so called welfare state provisions and that youngsters have nothing to look forward to as a result of a world of have`s and not have not`s, does not even get a mention. Is it true that we make the world in our own image and as with any politician once it is made we do not always like what we have made and like fickle human beings the world over we change it again and again until it becomes unrecognizable, then it is time to blame other people.

Well this time it is the middle class and not just any middle class but the leaders of our society these being who sorry whom, better watch my class.

Well IDS revelation number 1 you and all your cronies led us up this path preaching to be the ones to get our economy and country working again blaming each party in turn and saying it was not us, so tell me who are these leaders you want to blame, just take a look in the mirror and tell me can you see one now.

Class is not what you are middle or otherwise it is how we all conduct ourselves in society and consider other peoples feelings first when we go about our everyday lives.
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Timothy Geithner Likely To Suggest Leveraging Euro Rescue

2011-09-15T08:20:00.001-07:00

Another winner from Mr Geithner and his merry go round of funds this time raise money we do not have and put into a fund we have to manage and insure with payments to a fund manager and insurer we cannot pay, with the intention of bailing out the Euro Zone by taking assets we do not want.

Well that seems like a plan to me or maybe it is Tim`s way of saying and my next job is fund manager, great exit strategy put the US in more debt and make sure you are in a job by creating a way forward before you leave, way you go Tim literally.
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Laughter Ups Pain Tolerance, Study Says

2011-09-15T07:50:00.001-07:00

Many years ago as a boy l would hear my parents saying laughter is the best medicine when you feel depressed and down, it appears after many years that they nearly be be right after all.

As it now can help with pain as well and we all know when we are in pain how easy it is to laugh, don`t we ? Also thinking about it when l felt depressed l never felt like laughing l found the best medicine of all is to do something for someone else less fortunate than myself, that always worked.
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Facebook Unveils 'Subscribe Button,' Giving Users An Entirely New Way To Connect

2011-09-15T07:34:00.001-07:00

This will enhance the Facebook Page for some and will add another way to share what you are reading and want to share with other people. So l will have a good look and see what are the pro`s and cons and report my findings on " Ace Social News " http://acegooglelightnews.blogspot.com/

Want to add your comments and share what you say try our new comments box.
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Former Government Officials Stand To Profit From Cybersecurity Boom

2011-09-15T07:19:00.001-07:00

This is a real threat and as with every other way to protect people and serve them as their elected officials, they find a way to undermine helping us to be protected and line their own pockets from lucrative security consultancy fees. Listen to the video on this link and tell me does he not seem like he cares about us well get us to believe we need better computer security and his shares increase in value. Well take a look http://www.cbsnews.com/video/watch/?id=6578069n
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75% Of People With Dementia May Be Undiagnosed: Report

2011-09-15T06:50:00.001-07:00

There was an article in a medical journal l read a long time ago from an American University - sorry cannot remember the name or details. That was a good start and it leads me to the article quite nicely as it talks about how they saw dementia starting as a " Simple Slip of The Tongue Syndrome" and developing in later life into a much more pronounced type of dementia. The fact was it did not confirm or deny the way dementia was caused but the sheer fact that we have this awful condition that has over time has affected more and more people brings me to the real fact that the only way we can be sure it is Alzheimer's is after a person has died and we examine their brain tissue for plaque damage.

We can diagnose as l seen done with a simple memory test of questions designed to provide a doctor with enough yes right`s and less no wrong`s to give them a good idea.

But should not everyone be asking as with any disease or illness " How Is It Caused " and not " How Do We Cure It " first.
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Troy Davis Execution: Former FBI Chief William S. Sessions Calls On Georgia To Stay Order

2011-09-15T06:25:00.001-07:00

To be accused of a crime you did not commit is bad and worse of all if you know you are innocent and people believe you to be guilty this is even worse. The fact we still contemplate taking someone`s life when their is no over whelming evidence of guilt, as in this case is again barbaric. But the sheer fact that a man`s life can be forfeit for a crime against humanity is still in my overall opinion not our right to decide.

This case should have the death penalty overturned in favor of lack of evidence and the fact that if guilt cannot be proved beyond all shadow of a doubt as in this case and his life should be spared.
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Purple Book Released - What People Are Saying

2011-09-15T05:20:00.001-07:00

Does it really matter what color the book is as it is what is written inside that really matters, or not as in this case.

Today we spend far too much time on how we should look and not what they say. It is time to say style is OK but substance is better and OK he/she looks well dressed but it is not really going to get this country back on its feet.

We measure success by the car and house not what that person does everyday for other people, even though we think they need to be rewarded with some sort of plastic gong or given a title of hero of the year, the true hero`s and giver`s never do it for reward they do it for people.

So stop trying to change the cover of your book and put into it what people want a way forward enabling them to have the simple basic in life a job to obtain food, clothes and a roof over their heads for their family but all at the right price, time to do something for somebody else not yourselves.
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'£5bn Bill' To Rescue NHS Trusts

2011-09-15T05:04:00.001-07:00

At present l am involved in the N H S with the fact that my elderly mother is being buffeted from pillar to post by a so-called system, that can only be called a simple way to save money, at the cost of people`s health.

This is not to say that a number of hard working nurses and doctors do not provide excellent care, but they are shackled by controlled intervention from government departments, using private enterprise as a way to save money by receiving tenders from companies and allowing them to cut service costs and make sure that they still earn a healthy profit. This negates any responsible from any government department to act in the interests of the patient and allows companies to have healthy profits at the cost of providing below standard services.These can also include food provisions whereby no longer are foods cooked on the premises but bought in from other companies on the resource list to provide just adequate dietary needs and lacking the overall nutritional value, but are profitable to the suppler.

We say that the N H S does not work or it is in need of more funding, first and foremost it is need of a management structure that is not aligned to government targets and or is not afraid to speak up for what is right. It is time to put people`s healthcare first and foremost and profits last.
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