asterisk2a + literacy   38

Pullman's plea to save school libraries - BBC News
Children's authors such as Philip Pullman and Malorie Blackman are calling for a halt to the "shocking decline" in England's school libraries.
They, along with 148 others, wrote to Education Secretary Justine Greening, asking her to signal her belief in the "value of literacy" for learning. [...] The letter highlights how England has lower rates of teenage literacy than other developed nations, according to international rankings.
UK  Austerity  libraries  library  education  policy  further  college  skills  gap  Gesellschaft  Society  Enlightenment  Precariat  class  numeracy  STEM  MINT  Maths  literacy  history 
november 2017 by asterisk2a
Finance trumps patients at every level – UK healthcare needs an inquiry | Aseem Malhotra | Healthcare Professionals Network | The Guardian
tl;dr Diet & Lifestyle changes of the nation in the short-, medium- and long-term term can help (substantially) save the NHS. // A full public inquiry on the scale of Chilcot into the Iraq war may ultimately be required to overhaul a system where at every level financial interest continues to trump what’s best for patients – not only to improve the quality of care, but to restore trust in medical research. Until then, NHS England, the BMA and the Department of Health must make it a national priority to emphasise to patients that less medicine and healthier lifestyles are the most important solutions to sustaining the NHS. // statistics use in medical research and patient selection and reporting issue. absolute risk v % of all patients. // Such statistical and health illiteracy, far from being the exception, is actually the norm. The majority of healthcare professionals seem unable to understand medical literature. One study revealed 70% of those on a training programme failed a simple test on their understanding of evidence-based medicine.
NHS  crisis  big  pharma  BMA  pharmaceutical  lobby  vested  interest  profit  maximisation  rationing  treatment  delay  waiting  times  GP  A&E  prevention  public  health  sickcare  healthcare  demand  chronic  sick  population  demographic  bubble  obesity  diabetes  economic  damage  OECD  S.A.D.  diet  western  lifestyle  sedentary  inactive  revolving  door  conflict  research  Statins  Statin  CVD  Cancer  overweight  disabled  medical  statistics  risk  patient  safety  literacy 
november 2017 by asterisk2a
Why so many Americans in the middle class have no savings - YouTube
Could you come up with $2,000 in 30 days if you had to? As many as 40 percent of American families can’t, despite the improving economy. //&! youtu.be/jguYzvHp6qE //&! The Secret Shame of Middle-Class Americans / Summit on the Economy
- making it month to month - youtu.be/VXkJ9bf1A8U //&! The Financial Crisis Is Forcing America To Redefine Their Values - youtu.be/Em02NgDczT4
economic  history  squeezed  middle  class  Precariat  recovery  wage  growth  income  inequality  western  world  secular  stagnation  financial  literacy  illiteracy  American  Dream 
august 2016 by asterisk2a
Talia Jane may have deceived us, but her point stands
ind.pn/1Qc5SxH bit.ly/1KJQjAE bit.ly/1SV92vy bit.ly/1oBBh5k [ 2nd jobs bc first does only cover bills ] Even if Talia was the most frugal millennial in all the land, she’d still be living beyond her means. In the Bay Area, that is shockingly easy to do, thanks in part to companies like her former employer that have driven rents sky-high with no ceiling in sight. Income inequality is a huge problem in this country, especially in the Bay Area. Yelp’s answer to that, by the way, appears to be to just move the lower wage jobs to Phoenix, rather than pay the employees it has in San Francisco more. Charming. //&! https://twitter.com/hankgreen/status/702488056645992449 - women in the workplace ... //&! https://twitter.com/polotek/status/702025499782950912 bootstap yourself
Precariat  working  poor  San  Francisco  Silicon  Valley  Yelp!  customer  service  low  pay  low  income  income  distribution  tax  credit  housing  benefit  commuting  minimum  wage  living  wage  discretionary  spending  Wall  Street  shareholder  value  profit  maximisation  disposable  income  Millennials  career  ladder  Sector  Jobs  job  creation  financial  literacy  career  advice 
february 2016 by asterisk2a
Calls for 'homegrown talent' to take over as next Ofsted chief | Education | The Guardian
Concerns raised over reports that the education secretary wants to appoint an American with a record of resisting unions to replace Sir Michael Wilshaw [...] Morgan is reportedly looking overseas to replace Michael Wilshaw, who will stand down in December. According to the Sunday Times, she is keen to recruit an outsider who has defeated union resistance to education changes abroad in order to raise school standards in the UK. [...] we’ve seen year after year, ministers are failing to recruit and retain enough teachers, threatening our future economic success and the prospects of young people in the global education race.” [...] Tensions between state school leaders and Ofsted have risen under Wilshaw’s reign, in part because of the threat of struggling schools being turned into academies after receiving critical inspections.
Nicky  Morgan  education  policy  Workers  Union  Trade  Union  austerity  Gini  coefficient  social  mobility  income  mobility  inequality  deprivation  UK  staff  shortage  staff  morale  child  poverty  food  poverty  poverty  trap  income  inequality  David  Cameron  George  Osborne  Generationengerechtigkeit  fairness  child  care  tax  credit  poverty  apprenticeships  competitiveness  STEM  financial  literacy  literacy  PISA  Privatisation  Ofsted  CQC 
february 2016 by asterisk2a
James Galbraith, Kate Pickett, Branko Milanovic - Consequences of Inequality and Wealth Distribution - YouTube
free education / land value tax / higher inheritance tax / abolition of private education / more progressive taxation / combat tax avoidance and tax evasion / ... Universal Basic Income //&! New Theoretical Perspectives on the Distribution of Income and Wealth Among Individuals - youtu.be/RO8KWTb2iPM - w Joseph Stiglitz and Paul Krugman --- distinguishing between wealth and capital. ignore land (free yourself from Ricardo). land. credit. //&! David Cay Johnston: The Perils Of Our Growing Inequality - David Cay Johnston about his new book, Divided: The Perils of Our Growing Inequality. - youtu.be/ok7ZJ8mS19Y
inequality  income  inequality  Gini  coefficient  education  policy  income  distribution  income  redistribution  tax  free  income  income  mobility  social  mobility  health  inequality  gender  inequality  trickle-down  economics  neoliberalism  neoliberal  welfare  state  social  safety  net  progressive  tax  code  Super  Rich  1%  oligarchy  plutocracy  social  democracy  No  Representation  Career  Politicians  democracy  tax  evasion  tax  avoidance  Universal  Basic  inheritance  tax  financial  literacy  wealth  distribution  wealth-distribution  transferring-wealth  Thomas  Piketty  Joseph  Stiglitz  Robert  Reich  squeezed  middle  class  globalization  globalisation  Paul  Krugman  Elizabeth  Warren  austerity  fairness  Generationengerechtigkeit  fiscal  policy  economic  growth  Supply  and  Demand  Demand  and  Supply  disposable  income  discretionary  spending  credit  bubble  GFC  recovery  monetary  policy  debt  servitude  consumer  debt  household  debt  Student  Loan  debt  debt  credit  card  debt  credit  card  economic  history  macroeconomic  policy  microeconomic  policy  competitiveness  productivity  knowledge  worker  book  monopoly  oligopoly  oligopol  American  Dream  meritocracy  meritocratic  post-racial  America  free  market  freemarkets  dogma  ideology 
january 2016 by asterisk2a
Jan Kregel: The Continuing Risk of Derivatives - YouTube
The other common feature that Kregel notes is that the major objective of active, global financial institutions no longer is the maximization of profits by seeking the lowest cost funds and channeling them to the highest risk-adjusted return. Rather, they are most interested in maximizing the amount of funds intermediated in order to maximize fees and commissions, thereby maximizing the rate of return on bank capital. This means a shift from continuous risk assessment and risk monitoring of funded investment projects that produce recurring flows of interest payments over time, to the identification of riskless "trades" that produce large, single payments with as much of the residual risk as possible carried by the purchasers of the package. The upshot is that most derivative packages mask the actual risk involved in an investment and increase the difficulty in assessing the final return on funds provided.
derivatives  investment  banking  retail  banking  banking  crisis  business  model  risk  aversion  ROI  VAR  CDS  Interestrateswap  financial  literacy  financial  market  financial  crisis  financial  cycle  FinancialCrisisInquiryCommission  tobin-tax  FinancialCrisisResponsibilityFee  CDO  financial  instruments  bonuses  bonus  Greed  shareholder  value  profit  maximisation  Wall  Street  economic  history  self-regulation  regulation  regulators  deregulation  Glass-Steagall  Bank  Oversight  zombie  banks  financial  product 
january 2016 by asterisk2a
"The Untouchables (2013)" PBS documentary about how the Holder Justice Department refused to prosecute Wall Street Fraud despite overwhelming evidence : Documentaries
faustian pact they've made. getting funded their elections by greedy crony capitalists. and are thus beholden to their calls they make and the framework they said they would give them funding for their campaign under. // "breakdown of internal controls [...] 60% of loans in possible portfolio did not meet its own standards, were still bought, put into portfolio" - Citigroup exec // Underfunded/understaffed/non-experience/no-stars @FBI and CIA! corporates have a bigger pocket and star lawyers who know how to position and spin. And without a Whistleblower/Leak it is nearly impossible if not for the case that the accused was really stupid and left a clear trail and or incriminates himself in paperwork/communication. // "criminal intent" //&! No Regrets at Countrywide - bloom.bg/1UptWQC //&! Countrywide’s Mozilo Said to Face U.S. Suit Over Loans - bloom.bg/1RMqPEA //&! NEW SUIT - No, the US government hasn’t forgotten about Countrywide founder Angelo Mozilo - bit.ly/1lQbEfD
GFC  banking  crisis  Greed  crony  capitalism  bank  bailout  economic  history  white-collar  crime  accounting  scandal  corporate  scandal  lobbyist  lobby  Lobbying  Career  Politicians  No  Representation  oligarchy  plutocracy  Super  Rich  1%  Fraud  securities-fraud  bonuses  bonus  financial  incentive  financial  literacy  FinancialCrisisInquiryCommission  Mozilo  CountrywideFinancial  Angelo  Mozilo  subprime  NINJA  Loan  non-performing  NPL  CDS  CDO  citigroup  misselling  misrepresentation  Consumer  Protection  misleading  Positioning  PR  spin  doctor  manufactured  consent  Whistleblower  Eric  Holder  presidency  barackobama  Party  Funding  Justice  System  economic  injustice  Washington  revolving  door  accountability  due  diligence  miconduct 
january 2016 by asterisk2a
BBC Documentary - The Money Trap - How Banks Control the World Through Debt - YouTube
most profitable credit card debt customers are those making just the minimum payment. ... a credit card being a statement of status! retaining customers by upgrading them regularly w higher limits, new colors, new perks (they will never use). // unsecured lending - DEFINITION of 'Unsecured Loan' A loan that is issued and supported only by the borrower's creditworthiness, rather than by a type of collateral. An unsecured loan is one that is obtained without the use of property as collateral for the loan. // revolving debt // the higher your credit limit, the more you are likely to spend. // half of his income to just serve credit card fees and interest charges (no payments towards paying down) debt ... // banks lend irresponsibly bc they know they can get away with it, or somebody else will do it! because there is not regulation. no bank oversight. //&! The Truth about Payday Loans :Young, British and Broke - youtu.be/-yWxTvffbuE //&! Gambling/Betting Shops on Highstreet.
retail  banking  investment  banking  CDO  CDS  subprime  credit  card  debt  credit  card  financial  literacy  household  debt  mortgage  market  Payday  Loans  exploitation  debt  servitude  student  loan  debt  Bubble  property  ethics  moral  beliefs  revolving  debt  consumer  debt  debtoverhang  debt  Super  Cycle  student  debt  private  debt  status  symbol  instant  gratification  status  anxiety  socioeconomic  status  zombie  consumer  consumerist  consumerism  Protection  overdraft  materialism  crony  capitalism  capitalism  NPL  NINJA  Wall  Street  profit  maximisation  shareholder  value  bonuses  bonus  financial  incentive  incentive  creditrating  credit  creditrisk  credit  score  self-regulation  Bank  Oversight  financial  instruments  derivatives 
january 2016 by asterisk2a
Huge pension shortfall facing UK's young adults | Money | The Guardian
[ has to put away 10% of disposable income/earnings ?pre-tax?, put it in equities, and open the envelope only after 60-70 years. ] The average 35-year-old has to save £660,000 into a pension plan if they have any hope of matching the standard of living enjoyed by today’s pensioners – but have so far managed to put aside just £14,000.
retirement  savings  savings  rate  savings  glut  disposable  income  discretionary  spending  pension  pension  scheme  squeezed  middle  class  wage  stagnation  wage  growth  income  growth  income  gap  income  distribution  income  inequality  low  income  Sozialer  Abstieg  working  poor  Precariat  precarious  work  financial  literacy  zombie  consumer  consumerism  consumerist  materialism  status  anxiety  babyboomers  generationy  Millennials  status  symbol  consumption  consumer  debt  household  debt  private  debt  student  loan  debt  Bubble  stagnation  secular  stagnation  competitive  competition  competitiveness  globalization  globalisation  flat  world  borderless 
september 2015 by asterisk2a
One Map Shows Just How Expensive College Can Be for Students Making Minimum Wage
[S]ubstantial evidence that lack of information plays a critical role in shaping the financial decisions people make. Consider how a vast majority of people who are currently defaulting on their student loans in the U.S. would be able to halt their financial suffering if they knew they could enroll in an income-based repayment plan that would shrink or eliminate their monthly payments. This map goes some way toward explaining why low-income students are less likely to enroll in college. If the idea that college is a risky investment is something thats gaining traction in well-to-do circles, then surely people who hail from less fortunate backgrounds are even more inclined to think the potential price is too high. // could be seen as balance sheet recession: rising cost of education - & on other side - unable 2 pay w job u can get (asset value). Education is mispriced in UK/USA in a new world going forward! >> youtu.be/_EDGTzOXa_g?t=1h46m5s
College  University  USA  student  loan  debt  student  loan  student  debt  NPL  un-college  minimum  wage  cost  of  living  income  growth  wage  growth  wage  stagnation  Millennials  generationy  disposable  income  discretionary  spending  babyboomers  living  standard  standard  of  living  living  wage  Generationengerechtigkeit  generation  rent  2015  income  mobility  social  mobility  downward  mobility  Gini  coefficient  income  distribution  1%  Super  Rich  income  inequality  low  income  income  redistribution  precarious  work  working  poor  job  security  job  creation  UK  education  policy  competition  globalisation  globalization  neoliberalism  neoliberal  Privatisation  borderless  flat  world  trickle-down  economics  economic  history  inequality  labour  market  Service  Sector  Jobs  Niedriglohnsektor  marginal  propensity  to  consume  Robert  Reich  Joseph  Stiglitz  Paul  Krugman  Thomas  Piketty  Elizabeth  Warren  Larry  Lessig  labour  economics  Wall  Street  profit  maximisation  shareholder  value  shared  economic  interest  secular  stagnation  stagnation  debt  servitude  Super  Cycle  debtoverhang  deleveraging  balance  sheet  recession  financial  literacy  Career  Politicians  No  Representation  social  contract  political  theory  vested  interest  interest  groups  generational  contract  lost  generation  lost  decade  personal  bankruptcy  poverty  trap  Mark  Blyth  dem 
september 2015 by asterisk2a
Banks Are Perilously Exposed to China - Bloomberg View
International banks, however, don't appear to be heavily exposed to China, at first glance anyway. Bank of International Settlements data show that their claims on Chinese banks, companies, consumers and public sector are quite manageable, though Australian and U.K. banks have extended a lot of credit in China in proportion to their total foreign assets: [...] U.K. banks' $198 billion in Chinese assets at the end of last year looks particularly threatening, especially given that HSBC and Standard Chartered both derive a significant portion of their revenue from China. This exposure is particularly problematic because a debt overhang is one of the Chinese economy's biggest problems.
exposure  China  banking  crisis  investment  banking  UK  USA  2015  credit  bubble  equity  bubble  speculative  bubbles  bond  bubble  property  bubble  asset  bubble  asset  allocation  distortion  ZIRP  PBOC  NIRP  QE  QT  2016  balance  sheet  recession  underwater  debtoverhang  VAR  excess  reserves  shadow  banking  fractional  reserve  banking  banking  Fed  BOE  London  Bank  Oversight  George  Osborne  David  Cameron  Mark  Carney  liquidity  trap  Taper  monetary  transmission  mechanism  M3  monetary  policy  monetary  stimulus  unconventional  monetary  policy  monetary  system  monetary  theory  austerity  unknown  unkown  unintended  consequences  deregulation  self-regulation  regulation  regulators  Westminster  Toff  Conservative  Party  Tories  Establishment  Privileged  speculative  speculation  derivatives  financial  repression  financial  market  financial  cycle  financial  literacy  financial  crisis  HSBC  Standard  Chartered  NPL  correction  overcapacity  AIIB  Asia  FX  reserves  centralbank  reserves  margin  trading  leverage  irrational  exuberance  hubris  panic  petrodollar  Oil  price  OPEC  global  trade  global  economy  global  growth  global  imbalances  faultlines  structural  imbalance  Impediments  debt  monetisation  debt  monetization  BIS  Germany  Japan  Yuan  RMB  devaluation 
september 2015 by asterisk2a
Pando: In the Valley, pre-seed is a meme. In New York, it’s a necessity
// cost of entry? // unable to make it happen? // Can't you write software from anywhere? // problem, heavily diluted early on approaching A/B, traditional shops don't like the cap table of pre-seed, angels, seed, accelerator & Micro VC's already owning ~+40% ... you come to a traditional A/B shop and not one of the existing investors is actually leading the round or committed in paper do double down? // // from a financial perspective/investment/math --- in the PRIVATE MARKET thrown under the bus by NIRP, QE, hunt for yield and FOMO (looking for their female unicorn or own Zuck) everyone can run 100 burger stands with unlimited/stellar returns in their spreadsheet model (bc cost of capital being 0 or negative). Despite the deflation of price of software & hosting (marginal cost, economics of abundance), Talent got bid up heavily (+200k/y in LA by Snapchat) in certain cities (SV, NY, London) // &! Steen Jakobsen - youtu.be/fnp5ETnKylU - min 16 avg guy does not have access to credit!
Seed  Round  Party  Round  Venture  Capital  Micro  VC  barriers  to  entry  cost  of  entry  London  Start-up  Scene  ecosystem  New  York  Scene  burn  rate  runway  traction  A  Round  seedfunding  funding  Angel  Investor  dilution  cap  table  lesson  advice  liquidation  preferences  hunt  for  yield  2015  distortion  FOMO  equity  bubble  credit  bubble  ZIRP  NIRP  QE  asset  allocation  Limited  Partners  monetary  policy  fiscal  policy  Wall  Street  asset  bubble  behavioral  finance  behavioral  economics  Silicon  Valley  Private  Market  Public  Market  reflate  reflation  cost  of  living  valuation  Unicorn  Decacorn  cost  of  leverage  financial  repression  financial  literacy  financial  financial  cycle  business  cycle  business  confidence  consumer  confidence  hubris  panic  irrational  exuberance  retail  banking  investment  banking  fractional  reserve  banking  banking  crisis 
september 2015 by asterisk2a
Easy Money Creates the Most Dangerous Bubbles - Bloomberg View
[Money has been slushing arnd in markets speculating, not investing in future & productive, added value goods. big companies are flush 2. easy credit is holding zombie corps of the last century over water. western world is persisting 2 put a banking bailout/crisis in the light of a sovereign debt crisis 2 push idealogical austerity. falling way being, never be able 2 catch up with productivity, output gap, STEM, research, future of work, smart grid & infrastructure, retooling their economy 21st century style.] // "speculation in property markets, amplified by mortgage financing, as a persistent central factor driving economic cycles." [...] the worst bubbles -- those that inflict the most economic pain -- tend to involve not just speculation, but a surge in easy lending and increasing leverage. [...] economic downturns following credit bubbles were generally worse and lasted longer. [...] danger of leverage cycle. // [ easy credit & debt fuelled recovery of assets, not fundamentals ]
book  credit  bubble  liquidity  trap  Richard  Koo  economic  history  zombie  banks  Mark  Blyth  Paul  Krugman  Joseph  Stiglitz  business  confidence  business  investment  economic  damage  2015  faultlines  structural  imbalance  structural  unemployment  skills  gap  skill-biased  technological  change  education  policy  austerity  fiscal  policy  monetary  policy  recovery  western  world  USA  UK  Europe  Germany  underinvestment  productive  investment  infrastructure  investment  Smart  Grid  Software  Is  Eating  The  GFC  Career  Politicians  status  quo  social  contract  fairness  Generationengerechtigkeit  banking  crisis  TBTF  too  big  to  bail  too  big  to  jail  toobigtofail  financial  market  leverage  margin  trading  property  bubble  mortgage  market  ZIRP  NIRP  QE  Impediments  distortion  economic  model  economic  cycle  financial  cycle  financial  crisis  financial  incentive  financial  repression  financial  literacy  ECB  Abenomics  BOJ  BOE  Fed  monetary  stimulus  macroprudential  policy  macroeconomic  policy  microeconomic  policy  deleveraging  balance  sheet  recession  debtoverhang  BIS  unintended  consequences  unknown  unkown  PBOC  China  equity  bubble  speculative  bubbles  bond  bubble  debt  bubble  asset  bubble  asset  allocation  academia  academics  economic-thought  behavioral  economics  behavioral  finance  hubris  panic  consumer  confidence  confidence  trust  banking  investment  banking  distr 
august 2015 by asterisk2a
Complaints about banks’ packaged accounts soar to 1,000 a week | Money | The Guardian
Barclays disclosed on 29 July that it was putting aside £250m, and the following day Royal Bank of Scotland said it was lifting its provision to £307m. Lloyds and Bank of Scotland have the Silver and Platinum packaged accounts, which cost £9.95 and £17 a month respectively, while NatWest and RBS have Select Silver and Select Platinum, costing £10 and £16 a month. But packaged accounts have long been criticised by many commentators – consumer organisation Which? labelled them a “useless financial product” – while customers have complained they were “unfairly pressured” into signing up to an account they did not need. Others have said to the ombudsman they were told they could not have the mortgage or loan they wanted unless they also took out a packaged account. [...] The ombudsman service has now revealed it is receiving around 1,000 new complaints a week.
banking  retail  banking  upselling  business  model  Consumer  Protection  product  Wall  Street  profit  maximisation  shareholder  value  investment  banking  financial  literacy 
august 2015 by asterisk2a
An Analysis Of Zirtual’s Reality And The Perils Of Debt | TechCrunch
[ SEC filings show it wanted to raise lots more money ] Think about the implications of this for a moment: we know the company wanted $2.75 million in June, and got most of it. But we also know that 35 days later, Zirtual had been looking for another $3 million, and only got $650,000. That is a meaningful shortfall, an 80% difference between the money they needed and the money they got. [...] In fact, you might have concluded they were in for some kind of serious financing and operational problem weeks in advance [ talked also in Jason's interview that they still have legacy customers who cost them too much but are sort of still keep on: book 'hard things about hard things'], when you connect the fairly clear dots between two attempts to raise capital within a month of each other, and which are increasingly unsuccessful. [...] We’re not talking about an equity financing here, we’re talking about debt. [...] debt is a harsh mistress, especially for a startup tech company.
Zirtual  burn  rate  runway  Venture  Capital  fundraising  operations  operation  convertible  note  debt  cash  flow  cash-is-king  Start-Up  lesson  Start-Up  advice  CEO  CFO  financial  literacy  accounting  accountability  execution 
august 2015 by asterisk2a
Financial Advisor Nick Murray: Masters in Business (Audio) by Bloomberg View | Free Listening on SoundCloud
don't chase alpha. focus on the outcome, it's investor behaviour - that reflects on performance. leave portfolio alone ... 10 year. change less. turnover correlates negatively with return. just sit there. // volatility is NOT risk. risk is the total loss of investment. -10% is a risk, if you sell it at -10%. // >> u can never get truth from media, u can only get news. << example, they never talk about the way inflation is not factored in into retirement planning. they talk about principle and return %. but what inflation takes away from that (purchasing power). // annuities (fixed or variable). fixed income (annuities) is cancer. for retirement planning. it is the planned liquidation on ur purchasing power. because u have 2 subtract inflation. // he prefers all equities for long-term retirement planning. more than 5 year horizon. not emergency fund. // may err on safety; have emergency fund u can withdraw fund for expenses. // &! bv.ms/1NXQcOq &! bit.ly/1NEX1r1 &! bit.ly/1LB93yz
financial  literacy  personal  finance  investment  management  personal  financial  planning  Portfolio  behavioral  finance  behavioral  economics  financial  market  emotion  Greed  asset  allocation  asset  bubble  book  retirement  pension  scheme  public  pension  pension  obligation  pension  pension  fund  retirement  planning 
august 2015 by asterisk2a
The Unseen Consequences of Zero-Interest-Rate Policy
distortion of asset allocation (mal-investment, investment in less productive areas for the economy) and risk appetite by pressure - hunt for yield. keeping zombie banks, consumers, and corporate alive by enabeling to rolling over their debt and even go further out on the time axis (long-term bonds/increase overall maturity of your debt - when it has to be repaid), incentive to buy on cheap credit, instead savings, delay of fiscal, economic, political reform by the given artificial time window (see lack of industrial, manufacturing, education, STEM policy/vision of UK) >> and false impression that austerity works great! // and as Richard Koo in one of his recent presentations (for his new book) said - Fed does not know how Taper will unfold, especially the problematic thing of long-dated bonds on their books and how to get them into the market.
ZIRP  NIRP  QE  Taper  Richard  Koo  economic  history  academia  academics  fiscal  policy  monetary  policy  recovery  GFC  hunt  for  yield  asset  allocation  asset  bubble  2015  distortion  productive  investment  financial  repression  financial  literacy  economic  damage  Group  behaviour  behavioral  economics  savings  rate  balance  sheet  recession  deleveraging  savings  glut  structural  deficit  structural  imbalance  Impediments  faultlines  austerity  Makers  Career  Politicians  No  Representation  policy  folly  policy  error  unintended  consequences  unknown  unkown  UK  USA  Europe  ECB  Fed  Abenomics  lost  decade  lost  generation  BOE  liquidity  trap 
august 2015 by asterisk2a
Russian debtors despair as boom turns to bust - BBC News
Millions of Russians took out loans during the economic boom years, but now they face crippling debts and the law is not on their side, the BBC's Oleg Boldyrev reports. [...] The Russian Central Bank says those chronic debts now total 1tn roubles (£10.7bn; $16.7bn). And that is at least 10% of the total personal debt - 10% which cannot be recovered by the banks. [...] "We were a bit stupid," Elena says. "They told us the minimum payment was 5,000 roubles a month and we paid that every month. But that was just the interest, not the loan itself." [...] [ moral of banks - make new loans (performance) vs prudence (and being a bit more conservative) to deny one person a loan just to see them off at another bank where they will get the loan and that rep getting his bonus, and you not. ] [...] After the good years many Russians are now getting a harsh lesson in capitalism - and inadequate regulations mean there is nothing to soften the blow.
Russia  sanctions  debt  servitude  debtoverhang  balancesheet  2015  NPL  financial  literacy  bankruptcy  insolvent  Insolvenzverschleppung  insolvency  moral  beliefs  bonuses  bonus  financial  incentive  incentive  zombie  banks  banking  crisis  investment  management  regulation  self-regulation  regulators  crony  capitalism  oversight  Bank  long-term  view  long-term  thinking  capitalism  Wall  Street  profit  maximisation  shareholder  value 
july 2015 by asterisk2a
Yellen: There's Still Slack in Labor Markets - YouTube
>> signs that a debt fuelled recovery doesn't fix the long standing (since 90's 2000's post dot.com) underlying fundamentals of an economy. // low wage low productivity jobs especially part-time and minimum wage - doe not have an economic multiplier as a whole, they cost the economy or are at least net-net 0. // it is the same in UK. and signs show in Germany as well. // &! subprime was one of many predatory lending practices to financial illiterate ppl and exploitation of the underbanked/unbanked, and banks also choose to charge minorities higher interest rates - youtu.be/CbW9mH7p_8E + and add also practices of Payday Loans. Those things are a symptoms of the system at large. Resulting in the Poverty Trap.
USA  labour  economics  labour  market  participation  rate  skills  gap  underemployed  part-time  2015  education  policy  vocational  education  social  mobility  downward  mobility  self-employment  Gini  coefficient  squeezed  middle  class  long-term  unemployment  unemployment  youth  unemployment  employabilitie  employability  structural  unemployment  structural  imbalance  Impediments  secular  stagnation  output  gap  productivity  recovery  GFC  competitiveness  competitive  globalisation  globalization  borderless  flat  world  fiscal  policy  monetary  policy  debt  monetisation  debt  monetization  economic  history  infrastructure  investment  Makers  Career  Politicians  No  Representation  Sozialer  Abstieg  Niedriglohn  Niedriglohnsektor  Service  Sector  Jobs  Zeitarbeit  Leiharbeit  Zero  Hour  Contract  Contractor  precarious  work  Precariat  working  poor  economic  growth  trickle-down  economics  economic  damage  economic  model  shared  economic  interest  long-term  view  long-term  thinking  short-term  thinking  short-term  view  Opportunism  opportunist  policy  folly  policy  error  microeconomic  policy  job  creation  job  market  job  security  Minijob  Aufstocker  minimum  wage  living  wage  disposable  income  savings  rate  discretionary  spending  well  being  dot.com  UK  Lohnzurückhaltung  lohndumping  mindestlohn  wage  growth  wage  stagnation  inequality  income  inequality  income  mobility  capi 
july 2015 by asterisk2a
Mark Blyth Mackenzie Lecture 2015 – Austerity and the Politics of Money - YouTube
too big to bail, thus stick it to the countries individually. // Draghi Put - LTRO, LTRO 2, ELA, what ever it takes, TLTRO, // 5trn (40% of EU GDP) put into banks since the crisis (as of 2013). // NPL (via stress test) - 1.22trn in NPL in EU banking system as of 2013. // TINA - there is no alternative (same with UK budget2015) - bbc.in/1N3hrdu &! Angela Merkel "Alternativlos" // bailed out the assets (income for banks via mortgages, loans, businesses loans and credit lines, insurance policies, 401ks, pension fund contributions) of the top 20-30% of the income distribution. austerity is put on the bottom 70-20% of the income distribution. a bailout not just of the banks, the system, but also the top 20-30%, the Super Rich, 1%, the Establishment, the Privileged, the babyboomers, the pensioners. ... and add QE, you really reflate/bail out the 1% ... 10% ... 20%, their pensions, investments, and so forth. // this was and still is a Class specific Put Option for those with assets!
Mark  Blyth  austerity  bailout  book  GFC  ECB  toobigtofail  TBTF  bank  bailout  too  big  to  bail  sovereign  debt  crisis  PIIGSFB  zombie  banks  ZIRP  NIRP  QE  financial  repression  economic  history  dogma  ideology  crony  capitalism  European  Union  Troika  Eurogroup  NPL  reflate  reflation  unknown  unkown  unintended  consequences  deregulation  self-regulation  regulation  regulators  complexity  oversight  investment  banking  shadow  banking  banking  crisis  financial  literacy  financial  market  financial  crisis  Wolfgang  Schäuble  MarioDraghi  equity  bubble  asset  allocation  distortion  inflation  targeting  inflation  expectation  European  Commission  European  Parliament  Angela  Merkel  GroKo  lenderoflastresort  Germany  banking  EuroFin  IMF  OECD  academia  academics  M3  monetary  policy  monetary  transmission  mechanism  Richard  Koo  debtoverhang  deleveraging  balance  sheet  recession  fiscal  stimulus  fiscal  policy  Pact  Schuldenbremse  spin  doctor  PR  manufactured  consent  propaganda  Lügenpresse  populism  corporate  media  deflationary  deflation  secular  stagnation  debt  monetisation  debt  monetization  Super  Cycle  budget2015  George  Osborne  Tories  Conservative  Party  Generationengerechtigkeit  fairness  No  bubble  asset  bubble  R 
july 2015 by asterisk2a
Who Will Pay? Austerity vs. Bailouts | Greece, Europe and The Euro! - YouTube
have to be held accountable >> bankers! but have not, just transfered private debt/losses onto public balance sheet which no has to paid down by the weakest of society and collectively by less public investment for the future (output gap/lower productivity) ie into infrastructure and education // stealing from the young // policy making by comfort and trinkets - George Osborne // moral hazard - the options they choose - paulson geithner summers and co made the tbtf and jail even worse! instead should have chosen partial privatization // sold off our future for keeping the gangsters "private" - get out of jail free card for what reason? because it would be not American? American means to be WALL STREET crony capitalistic greed with tax evasion and lobbying to the tunes of millions - your judge - that judges on you whether you get a free out of jail card?! // who will suffer in the end? the public and the weakest of society and unborn! period. long-term. // &! youtu.be/EmHYeGI0b_U
Grexit  UK  Greece  PIGS  austerity  bailout  crony  capitalism  capitalism  Wall  Street  social  cohesion  social  tension  generational  contract  pension  obligation  Career  Politicians  No  Representation  generationy  Millennials  fairness  TBTF  too  big  to  jail  toobigtofail  economic  model  economic-thought  philosophy  sociology  Gesellschaft  Free  Lunch  Student  Maintenance  Grant  social  mobility  income  mobility  Gini  coefficient  education  policy  Higher  vocational  education  infrastructure  infrastructure  investment  public  interest  public  investment  STEM  productive  investment  productivity  output  gap  greed  Schuldenbremse  Fiscal  Pact  morality  moralhazard  GFC  recovery  lost  decade  lost  generation  short-term  thinking  short-term  view  Failure  American  Dream  sovereign  debt  crisis  democracy  corporate  state  manufactured  consent  populism  propaganda  Lügenpresse  banking  crisis  trust  trustagent  distrust  zombie  banks  PIIGSFB  PIIGS  shadow  banking  financial  repression  financial  literacy  FinancialCrisisResponsibilityFee  FinancialCrisisInquiryCommission  tobin-tax  financialtransactionfee  transactiontax  lobbyist  lobby  Lobbying  poverty  trap  child  poverty  poverty  welfare  state  Services  Services  sustainable  economic  sustai 
july 2015 by asterisk2a
Mark Surman: Non Profits in the Digital Age
The heart of social change is collaboration around a common goal, which the shift to the connected age offers in spades. The Mozilla Foundation's Mark Surman sits down with Steve Paikin to discuss applying open source principles to philanthropy and Mozilla's initiative to boost global web literacy. // Internet. You don't need permission. (book by alexis ohanian, without their permission) // is there more trolling, bullying and hate? or is it because it's so much easier to surface and less friction and non-facing confrontation. // Internet = more agency. not just consuming. linear programming. // digital literacy! resources for teachers! >> digital-literacy.org !? //
Mozilla  Non-Profit  Mozilla  Foundation  Firefox  Thunderbird  Open  Source  education  policy  Year  of  Code  STEM  democracy  Internet  gate  keeper  Silicon  Valley  Creative  Commons  Politics  destruction  Wikipedia  crowd  sourcing  wisdom-of-the-crowd  crowdsourcing  Clay  Shirky  Mark  Surman  Mechanical  Turk  cognitive  surplus  Middle  Class  ProAm  leisure  time  discretionary  free  time  discretionary  spending  disposable  income  Software  Is  Eating  The  World  SAAS  PAAS  business  model  civic  society  civic  life  civic  good  Charity  digital  literacy 
july 2015 by asterisk2a
James Rickards - The Death of Money - 04-30-15 - YouTube
distribution of risk (bell curve, wrong) & talebs black swan! / 'dismal science alone doesn't do the world and people justice.' / IMF is the central bank of the world (funded, special drawing right - SDR; out of thin air - backed by national central banks as reference (basket) but not backed by anything. printed money.) / Hungary's crisis - people borrowing in Swiss Franc ... SDR marry go round paying someone off with the help of IMF ... / IMF is transparent non-transparent. Try reading it. Need to be an expert. / AIIB able to issue bonds and got billions in capital - China/Asia Development Bank. Everybody joined because they want those contracts for their local/national companies ... except USA. Asia (China led) World Bank equivalent. - bit.ly/1Mxz1Dp &! bit.ly/1x04SZv / China wants to be in IMF & be part of basket of SDR / China may back its currency with Gold eventually once theyve got enough & leverage then its position. / US wants Yuan to be pegged to $ / m44 debt sustainability
economic  model  book  economic  history  monetary  policy  unconventional  monetary  policy  monetary  system  monetary  theory  modern  monetary  theory  academia  academics  science  sociology  psychology  discounted  risk  risk  discount  complexity  distributed  behavioral  economics  behavioral  finance  dogma  ideology  centralbanks  Fed  technocrat  IMF  World  Bank  Troika  bailout  too  big  to  jail  toobigtofail  TBTF  austerity  debt  monetisation  debt  monetization  currency  war  currency-war  currency  debasement  SDR  Special  Drawing  Right  AIIB  inflation  EuropeanSystemicRiskBoard  systemicrisk  counterpartyrisk  leverage  zombie  banks  Wall  Street  financial  repression  financial  literacy 
july 2015 by asterisk2a
Bank Whistleblower Alayne Fleischmann & Matt Taibbi on How JPMorgan Chase Helped Wreck the Economy - YouTube
Eric Holder - 'banks facilitated GFC! through sub prime & co and dubious in-transparent too complex financial modelling and financial products //
GFC  economic  history  deregulation  oversight  Bank  SEC  DOJ  too  big  to  jail  toobigtofail  TBTF  lobbyist  lobby  Lobbying  Washington  revolving  door  Career  Politicians  No  Representation  subprime  financial  literacy  zombie  banks  banking  crisis  investment  banking 
may 2015 by asterisk2a
The Real Looting of Baltimore... - YouTube
- same with mortgages linked to forex/different currency than your country of residence. // // abuse of existing instruments, not using it for intended purpose // and mis-selling of instruments and products - also see PPI ( Payment Protection Insurance ) mis-selling - http://www.bbc.co.uk/news/business-30695720 // and mis-selling forex linked loans (ie to Swiss Franc) to local governemnts and cities called Interest Rate Swap Mis-selling that got exorbinant expensive following the GFC actions (NIRP) by Central Banks (black swan) // all driven by managers meeting targets, getting and wanting bigger bonuses, wanting the bosses job, ... etc driven by cottage industry of analysts 'forecasting' that profit has to rise X% etc etc. // add also For Profit Schools! in the USA targeting Veterans & other rather financially illiterate :: youtu.be/P8pjd1QEA0c // biggest debt kind - mortgage and student loan debt // financial literacy also include gambling & lottery
Baltimore  Ferguson  mortgage  market  subprime  predatory  lending  practices  ninja  mortgage  UK  USA  Capitalism  crony  profit  maximisation  shareholder  value  foreign  currency  mortgage  bailout  corruption  abuse  of  power  CDS  MBS  lobbyist  lobby  Lobbying  revolving  door  Washington  GFC  toobigtofail  too  big  to  jail  TBTF  Gini  coefficient  financial  literacy  plutocracy  income  inequality  inequality  social  mobility  income  mobility  Western  World  Thomas  Piketty  economic  history  democracy  social  cohesion  libor  rigging  scandal  PPI  scandal  bonuses  bonus  Wall  Street  Payment  Protection  Insurance  mis-selling  Interest  Rate  Swap  banking  investment  banking  banking  crisis  American  Dream  Payday  Loans  debt  bubble  Super  Cycle  student  loan  debt  StudentLoans  lottery  gambling  downward  mobility 
may 2015 by asterisk2a
Britain's painful savings revolution - BBC News
The missing link in this chain is education for savers who are at the moment woefully ignorant of financial products and how best to use what resources they have. Dr Altmann blames it on a serious shortage of educators. "It's not just a shortage of people with the knowledge," she says, "it's a shortage of people who can explain it well. I have sat in talks given by very bright people who think they are explaining things clearly and I have watched people's eyes literally glaze over as they talked." Mr Lewis agrees: "You need some decent education out there, and I simply don't think the country's ready for this."
financial  literacy 
april 2015 by asterisk2a
To compliment John Oliver's segment on Pay Day Loans, here is Spent (2014). : Documentaries
... having a basic bank account is a utility. but banks charge exorbitant, disproportionate amounts compared in % to the monthly income, ... of the working poor & co.
pay  day  loans  Gini  coefficient  exploitation  Public  Policy  regulation  pay  day  lenders  working  poor  financial  literacy  credit  card  zombie  consumer 
august 2014 by asterisk2a
Bill and Melinda Gates' 2014 Stanford Commencement Address - YouTube
min 17 in - about not having a better future for our kids. the thing is, the lowest hanging fruits have been eaten. now there only the hard things left to to, hard because they seem so remote from here, hard because they are worthwhile pursuing despite setbacks. renewable energy, curing diseases, sustainability in lots of quadrants - energy, food & water, environment, democracy & more or less striving for equality - social and income mobility. End: >> Luck, that could be me, empathy, leadership, ...
Public  Policy  STEM  technical  literacy  technical  illiteracy  education  Mobile  Creative  Mobile  Creatives  social  mobility  income  mobility  Career  Politicians  Politics  Year  of  Code  G20  flat  world  globalisation  globalization  competitive  advantage  competitiveness  competitive  comparative  advantage  comparative-advantage  advice  Public  Good  skill-biased  technological  change  knowledge  worker  White-collar  Blue-collar  Gini  coefficient  digital  divide  digital  natives  digitalnatives  inequality  income  inequality  accountability  short-term  thinking  long-term  thinking  long-term  view  democracy  Democratic  Process  Vision  communication  language  leadership  Bill  Gates  AIDS  tuberculosis  child  poverty  food  poverty  environmental  disaster  ecological  disaster  climate  change  empathy  innovator  innovation  Bill  &  Melinda  Gates  Foundation  optimism  luck  equality  health  health 
july 2014 by asterisk2a
Explaining Poway's Billion-Dollar Deal - Voice of San Diego: Education
http://www.voiceofsandiego.org/education/article_c83343e8-ddd5-11e1-bfca-001a4bcf887a.html

A School District gets into a murky - financially leveraged - gamble style - lending deal.

Sounds like the Bond Deals (where interest payments were/are linked to foreign exchange rate values ie to EURCHF) provinces and cities made in Europe with banks. And because of the market turmoil of 2008 and the ensuing crisis - these interest payments exploded into the ruinous stratosphere. Same with mortages people took out in East-Europe which interest payments were linked to the EURCHF exchange rate.

http://www.youtube.com/watch?v=H19AAcAfVg8

Max Keiser talks to Will Carless of VoiceOfSanDiego.com about the billion dollar cost of repaying back a $105 million dollar loan to Poway School District in San Diego.
confidence  trust  bank  crisis  banking  crisis  gamble  Financial  literacy  Financial  illiteracy  Politics 
october 2012 by asterisk2a
BBC News - Children who use technology are 'better writers'
Children who blog, text or use social networking websites have better writing skills than those who do not, according to the National Literacy Trust.

A survey of 3,001 children aged nine to 16 found that 24% had their own blog and 82% sent text messages at least once a month.

In addition 73% used instant messaging services to chat online with friends.

However, 77% still put real pen to paper to write notes in class or do their school homework.

Of the children who neither blogged nor used social network sites, 47% rated their writing as "good" or "very good", while 61% of the bloggers and 56% of the social networkers said the same.

"Our research suggests a strong correlation between kids using technology and wider patterns of reading and writing," Jonathan Douglas, director of the National Literacy Trust, told BBC News.
technology  education  literacy  socialnetworking  blogging  effects  writing  style  study 
december 2009 by asterisk2a

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