asterisk2a + scheme   189

'Put that down, cancel that': the Guardian tracks Philip Green to Monaco | Business | The Guardian
Philip Green
another big employer with a nearly a billion-pound pension deficit, which might mean the gov had to bail the scheme out.

https://www.theguardian.com/business/2019/may/23/philip-greens-retail-rescue-plan-torpedoed-by-pension-watchdog - Philip Green's retail rescue plan at risk over pension scheme

24hrs later - 60 stores close incl USA, less pension contribution, less pension payout, lowered rents for existing stores, still to be agreed.
- restructuring
https://www.bbc.co.uk/news/business-48406854
Philip  Green  Arcadia  1%  tax  evasion  avoidance  Retail  crisis  highstreet  pension  deficit  bailout  scheme  greed  plutocracy  DonaldTrump  Donald  Trump  Brexit  oligarchy  Aristocracy  inequality  poverty  trap  minimum  wage  working  poor 
may 2019 by asterisk2a
Gescheitert ǀ Dreißig Jahre Abwegigkeit — der Freitag
Nun stellt eine UN-Studie klar: Die Rentenprivatisierung ist ein weltweites Debakel
pension  deficit  scheme  Privatisation  bailout  Rentnerrepublik 
december 2018 by asterisk2a
Carillion: a month on, employees, partners and rivals feel the pain | Business | The Guardian
The pensioners
Carillion grew fast by taking over companies, including Alfred McAlpine, Mowlem and George Wimpey. Each deal brought with it a pension scheme, and the combined schemes, which have nearly 30,000 members, are estimated to be at least £990m in deficit.

The government’s pensions lifeboat, the Pension Protection Fund (PPF), is expected to assume a liability of up to £900m, its largest ever. It has enough money to do that, but scheme members will face payout cuts of about 15%.
Carillion  bailout  Pension  scheme 
february 2018 by asterisk2a
Shares in UK government contractor Capita plunge 40% after profit warning | Business | The Guardian
Major UK outsourcing group stuns City with profits warning, as new CEO admits the company is too complex and freezes its shareholder dividend. 10.30am: Shares down 42% at 15-year low. New CEO says company must change. Capita wants to raise £700m from shareholders. Worries over £381m pensions deficit
Carillion  Capita  Privatisation  UK  Austerity  Council  NHS  Prison  outsourcing  pension  scheme  bailout  TBTF  taxevasion  taxavoidance  CEO  pay  shareholder  dividends  working  poor  sub-contractor  contractor  Precariat  insecurity 
january 2018 by asterisk2a
The Carillion pension bungle raises this question: where was the oversight? | Simon Jenkins | Opinion | The Guardian
There’s something amiss when a firm £5bn in debt, owing almost £1bn to its pensioners, and with just £29m in the bank is given a clean bill of health &! https://www.theguardian.com/business/nils-pratley-on-finance/2018/jan/29/the-pensions-regulator-a-deficit-of-credibility - The Pensions Regulator: a deficit of credibility Nils Pratley Nils Pratley The regulator may need more powers to intervene – but first it must use what capabilities it has
Carillion  pension  scheme  bailout  UK  self-regulation  regulation  regulators  governance  oversight  Tories  nasty  party  Conservative  JAM  Theresa  May 
january 2018 by asterisk2a
Government to hold pensions talks with Carillion - BBC News
Not yet another pension bailout.

Carillion, which is one of the government's biggest contractors, is struggling under £1.5bn of debt, including a pension shortfall of £587m.

The company held talks with its lenders and advisers in London on Wednesday.

However, no announcement has been made on a business plan to secure its future.

Carillion is the UK's second-largest construction company and employs 43,000 people globally.
Pension  bailout  UK  Scheme 
january 2018 by asterisk2a
Funding the NHS: Is it finally time for a new approach? - BBC News
A ring-fenced tax for health and social care has been resisted in the past by the Treasury. Such a policy is known by economists as hypothecation. Opponents, including Treasury mandarins, believe it ties the hands of chancellors.

But, intriguingly, a former top civil servant at the Treasury, Sir Nick Macpherson, has come out in favour of a ring-fenced tax which is renewed every five years.
NHS  hypothecation  Politics  Sugar  Tax  nudge  nanny  state  prevention  public  health  crisis  winter  Austerity  sickcare  demand  chronic  sick  population  demographic  bubble  ageing  premature  CVD  Cancer  diabetes  healthcare  diet  lifestyle  self-medication  Alcohol  minimum  pricing  alcoholism  food  addiction  abuse  Council  bedblocking  bed  blocking  adult  elderly  social  care  pension  scheme  obligation  disabled  DWP  mental 
january 2018 by asterisk2a
Uber loses court appeal against drivers' rights - BBC News
[ ANOTHER COURT IN UK SAID, UBER DRIVERS ARE EMPLOYEES.] Uber said there were two further possible stages in the appeal process - the Court of Appeal and the Supreme Court. &! Deliveroo - http://www.bbc.co.uk/news/business-41983343 - But the CAC found they were self-employed because of their freedom to "substitute" - allowing other riders to take their place on a job. &! http://www.bbc.co.uk/news/business-41980922 - Handy gig cleaning app. and its policy acts causes social media row.
UK  Uber  Platform  1099  Self-Employment  gig  Economy  on-demand  working  poor  poverty  insecurity  Precariat  minimumwage  Mindestlohn  TaskRabbit  neoliberal  Exploitation  workers  rights  trade  union  neoliberalism  Capitalism  profit  maximisation  PAYE  NI  taxation  pension  scheme  bailout  welfare  state  recovery  Technology  totalitarianism  technocracy  Super  Rich  1%  Plutocracy  Oligarchy  evasion  avoidance  tax  employment  law  Deliveroo 
november 2017 by asterisk2a
Millions may lose promised pension payout - BBC News
gov has to bail out again corporate greed // Three million savers in final-salary pension schemes only have a 50/50 chance of receiving the payouts they were promised, a study has concluded.
Some employers were under pressure to meet their pension obligations, the Pensions and Lifetime Savings Association (PLSA) said.
High-profile cases such as the BHS collapse have highlighted concerns over the future of workplace pensions.
The PLSA said one solution could be the pooling of resources into "superfunds".
pension  retirement  crisis  TBTF  bailout  corporate  subsidies  subsidizing  scheme  UK  USA  ZIRP  NIRP  GFC  recovery  ageing  population  babyboomers  baby  boomers  demographic  bubble  Productivity  secular  stagnation  growth  inflation  401k 
september 2017 by asterisk2a
Back to the future on inflation
[ no rising demand = no inflation ] Globalisation and the march of technology have strengthened the hand of employers and weakened that of workers. So it is no surprise that though unemployment has relentlessly fallen, wage growth remains in the doldrums.

Then there is the war between generations. As the baby boomers approached retirement, they sought to safeguard their wealth. Inflation-targeting central banks, the dismantling of the welfare state and fiscal austerity were the natural results. The modern macroeconomic constitution has disenfranchised the inflationary constituency of the young. &! https://www.project-syndicate.org/commentary/tax-cuts-for-the-rich-solve-nothing-by-joseph-e--stiglitz-2017-07
USA  UK  European  Union  inflation  targeting  GDP  demand  economic  history  babyboomers  Generationy  Generation  Generationengerechtigkeit  Millennials  Austerity  secular  stagnation  working  poor  Precariat  poverty  trap  social  income  mobility  inequality  1%  10%  Super  Rich  Plutocracy  Oligarchy  Taxation  trickle-down  ECB  Fed  BOE  BOJ  demographic  bubble  ageing  population  pension  scheme  obligation  Brexit  bank  bailout  recovery  GFC 
july 2017 by asterisk2a
How to get a pension of £20,000 by the time you retire - BBC News
So someone who starts saving at the age of 25 would need to put away £246 a month, net of tax. [...] The figures show that an average earner who starts saving at 25 need only contribute 14% of their salary to hit the £20,000 target.
But if they leave it to the age of 35, they will need to contribute 23%.
By the time they are 45, if they haven't started a pension plan, they will need to pay in pretty much half their earnings, a difficult task.
"The biggest message from this analysis is the cost of delaying when you start to save," says Patrick Bloomfield.
Pension  Scheme  demographic  bubble  retirement  savings 
july 2017 by asterisk2a
Hard Brexit means retiring later, Britons warned | UK news | The Guardian
Drastic cuts to migration will skew the ratio of working-age people to pensioners, delaying pension payments, modelling for the Guardian shows [...] Rises in the state pension age are already anticipated as a result of increased life expectancy and large numbers of baby boomers retiring. But further delays to pension payments will be necessary if current levels of immigration, which sustains the country’s old age dependency ratio, are not maintained, the Oxford university work indicates. [...] John Cridland, the former CBI director who is reviewing the state pension age, told a recent conference run by the International Longevity Centre UK that the affordability of the state pension into the future had been made uncertain by “the Brexit factor”.
Brexit  immigration  Demographic  bubble  pension  scheme  deficit  babyboomers  budget  triple  lock  ageing  population 
january 2017 by asterisk2a
Final salary pension deficit of biggest listed firms in UK 'hits £137bn' | Money | The Guardian
Alan Baker, Mercer’s UK defined benefit risk leader, said: “After a very challenging year, pension deficits increased again and end the year more than three times higher than the end of 2015. This continues to put real pressure on any risk management plans, and will require trustees and corporate sponsors to work closely together.”
ZIRP  NIRP  QE  secular  stagnation  unintended  consequences  pension  scheme 
january 2017 by asterisk2a
Here's Why All Pension Funds Are Doomed, Doomed, Doomed
Given that both The Economist and The Wall Street Journal have covered the impossibility of pension funds achieving their expected returns, this reality cannot be a surprise to anyone in a leadership role. [...] Here's problem #1 in a nutshell: the average public pension fund still expects to earn an average annual return of 7.69%, year after year, decade after decade.

This is roughly triple the nominal (not adjusted for inflation) yield on a 30-year Treasury bond (about 2.65%). The only way any fund manager can earn 7.7% or more in a low-yield environment is to make extremely high risk bets that consistently pay off. //&! Millennials are first gen to have earned less in their 20's than previous gens. - bit.ly/2a9M98K
ZIRP  NIRP  QE  unintended  consequences  pension  obligation  triple-lock  pension  babyboomers  Baby  Boomers  demographic  bubble  ageing  population  hunt  for  yield  life  insurance  insurance  industry  monetary  policy  Helicopter  Money  monetary  theory  bond  bubble  Richard  Koo  liquidity  trap  economic  history  recovery  Fed  BOE  ECB  Abenomics  western  world  Japan  BOJ  pension  fund  Beton  Gold  Betongold  property  bubble  asset  allocation  funds  allocation  asset  bubble  Pensioner  pension  scheme  secular  stagnation  austerity  deflation  deflationary  Confidence  Fairy  IMF  OECD  credit  boom  credit  bubble  New  Normal  Great  Moderation  economic  harm  economic  damage  reflate  reflation  equity  bubble  distortion 
july 2016 by asterisk2a
Annuity rates 'in freefall' since EU vote
Rates have fallen by 3.5% in the two weeks since 24 June, said Tom McPhail, head of retirement policy at Hargreaves Lansdown.
Before the vote, a 65 year-old with savings of £100,000 would have been able to buy an annual income of £5,069.
Now the value of that pension has dropped to £4,890, a new record low.
Experts had predicted just such a development before the referendum, yet a majority of people over the age of 60 voted to leave the European Union.
pension  fund  Pensioner  pension  pension  scheme  pension  obligation  demographic  bubble  Baby  Boomers  babyboomers  Brexit  secular  stagnation  ZIRP  NIRP  QE  recovery  GFC  austerity  recession 
july 2016 by asterisk2a
Andrew Mazzone Interviews James K. Galbraith
banks like property! more likely to lend to finance property than SME/SMB investment. because that investment is not propped up by the government. [...] min 6 subprime & credit bubble since 80's << behaviour of lenders [...] sensible people were given fraudulent debt instruments (no self-regulation, and regulators failed). [...] no prosecution because people who should have prosecuted those, didn't want to ruin their private future career. [...] min 15 - inequality and unemployment driven by inequality. [...] austerity is name of the game by the "establishment" - 20% of society that benefited from the bank bailout and reflation policy by central banks - [...] 19:15 - who do banks want to borrow in this environment?! austerity, aggregate demand shortfall, lack of confidence, volatility, uncertainty, credit bubble pain (liquidity trap) etc. [...] Solution ("an alternative way to the status quo, who made this mess): Fix Income Distribution thus Purchasing Power (aggregate demand, ie minimum wage), and restructure finance away from investment banking and speculation and derivatives towards real economy (ie tax heavily what is not real economy business) //&! James K. Galbraith on "Inequality and Instability: What's Ahead for the World Economy" - youtu.be/Mw4Bd9ols-E //&! James K. Galbraith - "The End of Normal" - youtu.be/PGFcB65l8Io
Gini  coefficient  income  distribution  1%  10%  20%  Super  Rich  property  bubble  London  rentier  rent-seeking  Help  to  Buy  Scheme  Help  to  Save  Funding  for  Lending  Scheme  underinvestment  infrastructure  investment  secular  stagnation  western  world  UK  USA  European  Union  deflation  deflationary  JAMESGALBRAITH  book  James  Kenneth  Galbraith  credit  bubble  credit  card  credit  card  debt  credit  boom  debt  servitude  speculation  speculative  bubble  speculative  bubbles  equity  bubble  reflate  reflation  GFC  recovery  austerity  Raghuram  Rajan  self-regulation  squeezed  middle  class  working  poor  Precariat  subprime  Wall  Street  regulation  regulators  Career  Politicians  politician  No  Representation  aggregate  demand  aggregate  demand  short-fall  liquidity  trap  retail  banking  investment  banking  ZIRP  NIRP  QE  Richard  Koo  inequality 
july 2016 by asterisk2a
Alan Greenspan on Brexit, U.S. Economy, and Inflation (Full Interview) - YouTube
UK out of Euro Currency but part of free trade single market was best option on table. // lack of leadership for political union and fiscal union aka ever closer union. not just currency and trade union (free trade). // GET AT THE ROOT ISSUE; productivity, ageing population (entitlement crisis), stagnant wages, secular stagnation = desperate population // European banks some still burdened by sov debt crisis/NPL (= zombie banks) & NIRP & QE & lack of uptake in business & consumer loans. // no back-up to the ECB (balance sheet) yet. what happens if the EURO stops being a hard currency? get Greece out, is a liability. // EU can not go on in Status Quo indefinitely. ie funding southern states. States have to get on course of economic harmony! everyone has to give up something! // Precariat/Squeezed Middle Class/Social Mobility = creates desperate people. // Entitlements are a legal issues. Productivity and Growth Rates can't fund entitlements. = There will be a crisis. // Career Politicians won't touch it. // History (look at M2) this environment ends up in inflation. not time or data.
European  Union  Brexit  fiscal  Political  Union  ECB  Alan  Greenspan  Fed  Yanis  Varoufakis  Janet  Yellen  PIGS  sovereign  debt  crisis  secular  stagnation  productivity  gap  disposable  income  discretionary  spending  ageing  population  current  account  deficit  budget  deficit  GFC  entitlement  spending  Abenomics  monetary  policy  fiscal  policy  pension  obligation  babyboomers  Baby  Boomers  immigration  NIRP  ZIRP  QE  economic  history  Germany  Angela  Merkel  BOE  Mark  Carney  rising  middleclass  squeezed  middle  class  working  poor  Precariat  populism  demagogue  demagogy  Donald  Trump  western  world  savings  rate  Gini  coefficient  social  mobility  income  mobility  triple-lock  pension  pension  fund  pension  scheme  democracy  Career  Politicians  politician  output  gap  M2  inflation  targeting  M3  commodity  prices  global  economy 
june 2016 by asterisk2a
Keiser Report: Your Special Brexit Coctail (E932) - YouTube
// housebuilding shares hammered. property funds close redemption possibility bc of too much redemption - bank run - funds have to sell some investments at a loss to repay investors. // what is weighting UK economy is too much debt to gdp (bank bailout), consumer credit (boe sounded alarm bells before brexit vote) and too much leverage. //&! Planet Ponzi Paperback (2012) by Mitch Feierstein //&! UK better out w problems of PIGS, Italy, and banking problem.
Brexit  ZIRP  NIRP  QE  asset  allocation  property  bubble  speculative  bubble  speculative  bubbles  mortgage  market  City  of  London  RBS  BOE  Mark  Carney  Help  to  Save  Help  to  Buy  Scheme  Funding  for  Lending  Scheme  Right  to  Buy  distortion  George  Osborne  David  Cameron  Centrist  austerity  Housing  Crisis  Conservative  Party  book 
june 2016 by asterisk2a
The Growth Trap
[ growing for growth sake! vs growing in a world/area that is not conducive to grow ] When Twitter went public in 2013, its stock soared and its value jumped to $25 billion. Its founders and early investors got rich. But since then, the company has been considered a failure, despite the fact that it boasts 320 million active users, because it's not growing fast enough. Douglas Rushkoff, author of "Throwing Rocks at the Google Bus: How Growth Became the Enemy of Prosperity," talks to Steve Paikin about why he sees the push for more growth as dangerous. // true capitalists (shareholder, crony, greedy) w/o self-regulation or governance extract all the value there is to extract and then leave, dispersing it to the few who already have [...] WE MUST REWRITE THE RULES OF THE GROWTH GAME ITSELF! [...] you want to optimise the economy based on velocity of money (circulation of money), not share price and value extraction [...]
Venture  Capital  Unicorn  shareholder  capitalism  Greed  shareholder  value  profit  maximisation  profit  maximization  Wall  Street  Wall  Street  activists  Yahoo!  Google  Inc.  Alphabet  Inc.  Microsoft  IBM  Intel  Oracle  capitalism  exploitation  Super  Rich  short-termism  short-term  thinking  1%  plutocracy  oligarchy  M&A  economic  growth  growth  round  Mutual  Fund  macroeconomic  policy  secular  stagnation  Private  Equity  MBO  Pivot  IPO  dividends  prosperity  Start-Ups  Start-up  s&p500  pension  scheme  pension  finite  resources  resource  depletion  economic  history  creative  destruction  share  buyback  Apple  capitalism  in  crisis  capitalist  Uber  monopoly  oligopol  oligopoly  antitrust  corruption  western  world  squeezed  middle  class  emerging  middle  class  BRIC  business  cycle  company  book  cost  center  overhead  costcutting  operating  performance  operating  margin  globalisation  globalization  Universal  Basic  Income  artificial  intelligence  AI  augmented  intelligence  Robotics  automation  structural  unemployment  materialism  consumerism  status  anxiety  disenfranchise  disenfranchised  youth  unemployment  post-capitalism  Mobile  Banlieue  deprivation  poverty  trap  poverty  meritocracy  meritocratic  Gini  value  coefficie 
april 2016 by asterisk2a
Clouds gather over solar power after golden years of success
After a day in which Britain generated more power from the sun than from coal for the first time, the industry should be rejoicing. But the mood is fearful [...] But over the last year both the RO and FiT support mechanisms have been either removed or wound dramatically further down – with the government arguing the industry should largely be fending for itself while bill payers should be spared unnecessary cost. [...] [ spokesman from energy department - no subsisdy for renewables, ... but strike price guarantee for nuclear energy w nuclear waste problem]
Amber  Rudd  energy  policy  UK  energy  price  competitiveness  Hinkley  Point  C  subsidies  subsidizing  renewable  energy  COP21  carbon  tax  carbon  trading  scheme  carbonfootprint  carbon  capture  carbonemission  short-termism  George  Osborne  austerity  underinvestment  Smart  Grid  infrastructure  investment  Schuldenbremse  general  election  2015  general  election  2020  Generationengerechtigkeit  fairness  bank  bailout  corporate  welfare  babyboomers  climate  change  global  warming  climate  crisis  extreme  weather  weather  extreme  nuclear  power  nuclear  waste  energy  storage  nasty  party  double  standard  David  Cameron  Career  Politicians  No  Representation  budget2015 
april 2016 by asterisk2a
Future of Steel - Ken Clarke & Paul Mason - BBC Newsnight
[TORIES CRISIS: bedroom tax, JSA sanctions killing people, Food Banks, redefining child poverty and fuel poverty, Independent Living Fund closed, Housing Crisis, tax cut defeat in Lords, mental health, NHS strikes, Hinkley Point C, energy prices, London Airport expansion/3rd runway, ESA cut, PIP cut and resignation of IDS, Brexit splitting the Party, shit world economy, can't touch triple-lock pensions, Academy plans, Panama Papers (British Territory: Bahamas, Cayman & Co).] Now - Tories are victims to their own policy of underinvestment since 2010 of a future-proof economy "long-term predictability" [BREXIT & austerity not predictable]. Energy prices too high, not competitive. Manufacturing never recovered. Monetary policy has run its course (sedative + Chinas credit bubble). policy folly now wholly exposed! AND now they tinker with the idea of picking winners! LOL! nationalising or part-nationalising through guarantees or subsidies on energy price. & youtu.be/QJw24Z-cEoQ
underinvestment  austerity  Smart  Grid  energy  policy  energy  price  competitive  advantage  competitive  George  Osborne  David  Cameron  budget2010  budget2015  Budget2016  Manufacturing  current  account  deficit  budget  deficit  trade  deficit  TPP  AIIB  World  Bank  China  BRIC  commodity  prices  heavy  industry  microeconomic  policy  macroeconomic  policy  macroprudential  policy  Mark  Carney  education  policy  skills  gap  skill  gap  skill  investment  apprenticeship  further  education  immigration  migration  Tories  Conservative  Party  nasty  NIRP  ZIRP  QE  recovery  output  gap  productivity  productivity  gap  Service  Sector  Jobs  job  creation  labour  market  job  market  DWP  Iain  Duncan  Smith  general  election  2015  election  campaign  promises  Manifesto  corporate  restructuring  corporate  welfare  subsidies  subsidizing  corporate  subsidies  Privatisation  Nationalization  Nationalisation  constituency  Party  Funding  general  election  2020  IMF  OECD  policy  folly  policy  error  global  economy  credit  bubble  Germany  Hinkley  Point  C  renewable  energy  energy  storage  job  creation  fiscal  policy  monetary  policy  Mark  Carney  QE  ZIRP  NIRP  property  bubble  rent-seeking  rentier  liquidity-trap  liquidity  trap  Housing  Crisis  Help  to  Save  Help  to  Buy  Scheme  Right  to  Buy  Buy-to-Let 
april 2016 by asterisk2a
Renten: Frauen bekommen nicht mal halb so viel Rente wie Männer - SPIEGEL ONLINE
Die Gehaltslücke zwischen Männern und Frauen wird im Alter zur riesigen Kluft: Im Schnitt erhält eine Rentnerin in Deutschland 57 Prozent weniger Geld als ein Rentner. Eine Studie zeigt die Gründe. [...] Die WSI-Forscher nennen eine Reihe von Faktoren, die für die Rentenkluft verantwortlich sind: niedrige Erwerbsbeteiligung: Frauen sind und waren weit häufiger gar nicht berufstätig als Männer. hohe Teilzeitquote: Frauen arbeiten häufig nicht Vollzeit. niedrige Entgelte: Aktuell verdienen Frauen im Schnitt 21 Prozent weniger als Männer. Früher, als die jetzigen Rentnerinnen im Berufsleben standen, war die Lücke noch größer. häufige und längere Erwerbsunterbrechungen, etwa durch Kinderbetreuung. häufige Beschäftigung in Minijobs ohne Rentenversicherung
gender  gap  retirement  child  care  elderly  care  adult  social  care  savings  rate  gender  pay  gap  poverty  in  old  age  poverty  social  safety  net  pension  pension  scheme  pension  obligation  pension  fund  public  pension  gender  inequality 
march 2016 by asterisk2a
State pension changes: Charity finds 70,000 people won't qualify for pension under new rules | Home News | News | The Independent
Changes to the system coming into effect on 6 April mean that people will need 10 qualifying years to get any new state pension. This is a change from the existing regime which allows people to receive at least some state pension even with only a few years of NICs. [...] Age UK said it supports the aim of a simpler, fairer state pension, acknowledging it should benefit many people with low lifetime earnings due to low pay and caring responsibilities. But the charity is concerned that there are many approaching retirement, particularly women, who do not have a full NI record. [...] "People who haven't built up enough National Insurance can apply for Pension Credit, which works by topping up their other income and provides additional security in retirement.”
pension  pension  scheme  pension  obligation  pension  fund  public  pension  UK  babyboomers  budget  deficit  secular  stagnation  low  pay  low  income  working  poor  Precariat  precarious  work  Zero  Hour  Contract  Contractor  part-time  self-employment  welfare  state  social  safety  net  poverty  in  old  age  NIC  Altersarmut  elderly  care  adult  social  care  retirement  401k  ISA  savings  rate  squeezed  middle  class 
march 2016 by asterisk2a
Ex-MPC member says rates will stay low until 2021 - BBC News
Blanchflower: Global economy "feels a little bit like 2008" Interest rates will likely fall further in Britain and remain at near record low levels until 2021, [...] Blanchflower described the backdrop to the committee's decision in March 2009 to cut rates to 0.5% as catastrophic. He said the MPC at the time had wished to avoid a death spiral. Britain was plunged into its deepest-ever recession in 2008 as confidence in banks collapsed and investment dried up. "We cut rates in November 2008 by 150 basis points (1.5%). It was clear that we should have cut by more but didn't because of the panic that it might have caused," he said. "It was absolutely clear that this (the financial crisis) was something we had not seen in a generation. We learned that the scale of the shock was enormous." [...] mortgage rates are 31% lower than before the crisis, while savers may have lost £106bn due to record low rates. //&! bbc.in/1YeqV87 &! bbc.in/1LGOxAf - central banks understated deflation pressure!
ZIRP  NIRP  QE  BOE  UK  global  economy  recovery  aggregate  demand  property  bubble  underinvestment  austerity  George  Osborne  speculative  bubbles  speculative  speculation  mortgage  market  macroprudential  policy  Mark  Carney  Help  to  Buy  Scheme  Help  to  Save  Right  to  Buy  Buy-to-Let  subprime  car  loan  credit  card  debt  zombie  consumer  zombie  corporations  zombie  banks  Richard  Koo  liquidity  trap  secular  stagnation  economic  history  GFC  household  debt  private  debt  consumer  debt  David  Blanchflower  Danny  Blanchflower  financial  repression  hunt  for  yield  asset  allocation  distortion  Super  Cycle  junk  bond  Gini  coefficient  deflationary  deflation  Taper  QT  monetary  policy  fiscal  policy  Pact  Schuldenbremse  BIS  ECB  Fed  BOJ  credit  bubble  PBOC  hot-money 
march 2016 by asterisk2a
Keiser Report: Sovietization of capitalism (E723) - YouTube
BIS 100% of private debt and finance sector larger than 3.9% of economy bad ... and siphoning off talent from more productive fields of work. And finance favours lending to property and land (low productivity). [...] financial products (derivatives) do not help economy. is just a financial product, fee collection. rentier! rent-seeking behaviour! fees fees fees. (JP Morgan, 89% of profits, see interview) [...] QE reflated asset prices/share prices! // In the second half, Max interviews David Graeber about his new book, The Utopia of Rules: On Technology, Stupidity and the Secret Joys of Bureaucracy.
private  debt  consumer  debt  household  debt  BIS  Wall  Street  recovery  zombie  banks  car  loan  credit  card  debt  student  loan  debt  student  loan  Bubble  student  debt  economic  history  GFC  secular  stagnation  UK  City  of  London  USA  investment  banking  retail  banking  BOE  Fed  macroeconomic  policy  microeconomic  policy  property  speculative  bubbles  speculative  speculation  productivity  output  gap  austerity  George  Osborne  dogma  ideology  constituency  Party  Funding  vested  interest  interest  groups  mortgage  market  Housing  Crisis  Help  to  Buy  Scheme  Help  to  Save  Funding  for  Lending  Scheme  Right  to  Buy  Buy-to-Let  subsidies  subsidizing  derivatives  financial  product  rent-seeking  rentier  QE  ZIRP  NIRP  reflate  reflation  Mark  Carney  fiscal  policy  monetary  policy  Richard  Koo  book  David  Graeber  MervynKing 
march 2016 by asterisk2a
Workers need to put 15% of income into pension, report says | Money | The Guardian
Saving more than three times the present average is necessary to have enough cash in retirement, review for Labour party finds [...] In the House of Commons, Iain Duncan Smith refused to say whether there would be an upper limit on the state pension age in heated exchanges over the government’s review. The work and pensions secretary said the government had launched the review to ensure pensions remained affordable for future generations, but he failed to answer the shadow work and pensions secretary, Owen Smith, when pushed over concerns that workers would have to wait until they were 80 to retire.
retirement  pension  scheme  pension  fund  pension  public  pension  pension  obligation  demographic  bubble  401k  working  poor  minimum  wage  low  pay  low  income  Precariat  DWP  Iain  Duncan  Smith  poverty  in  old  age 
march 2016 by asterisk2a
Budget 2016: What will the chancellor do to pensions? - BBC News
[ changing system to collect taxes earlier, he needs some more tax income now, rather than in 40-50 years from now. ] Now, ahead of the budget on 16 March, the pensions industry is again on the edge of its seat. Amongst the rumours: The chancellor is about to abolish the 25% tax-free lump sum; the maximum annual contribution could be cut to as low as £25,000; or the whole tax relief system could be abolished, in favour of an Isa-style system of tax upfront, but tax free on the way out. So what are the chancellor's options - and which is he likely to favour? [...] After all, the title of the Treasury's consultation is: "Strengthening the incentive to save". Furthermore one Treasury minister confirmed to the BBC that this will be the main focus of the changes.
budget2016  HMRC  pension  scheme  public  pension  pension  obligation  pension  fund  George  Osborne  Tories  Conservative  Party  Policy  Makers  austerity  constituency  Party  Funding  babyboomers  ageing  population  demographic  bubble  secular  stagnation  savings  rate 
february 2016 by asterisk2a
Thousands told their pension savings could be at risk - BBC News
[ fees ] It follows fears that dozens of companies providing auto enrolment pensions are too small to survive. The BBC has also uncovered evidence that employers and workers are being deliberately misled by some providers. The government said it was aware of the issue, and was planning to take action. Independent experts claim the problem could affect up to a quarter of a million people a year who are putting their savings into so-called master trust pensions. Such schemes are popular with the 1.8 million small employers with fewer than 30 staff who are currently signing up under the auto enrolment programme. "There is a risk of these schemes falling over; there is a risk that members might lose their money," said Andrew Warwick Thompson, executive director for regulatory policy at the Pensions Regulator. However, he said scheme assets invested through asset managers regulated by the Financial Conduct Authority (FCA) would be safe. This will be "the vast majority of cases", he said.
Tories  Privatisation  self-regulation  regulation  speculation  speculative  retirement  401k  pension  scheme  pension  obligation  pension  fund  public  pension  George  Osborne  David  Cameron  DWP  Iain  Duncan  Smith  Toff  Privileged  Establishment  Whitehall  Westminster  No  Representation  Career  Politicians  dogma  ideology  microeconomic  policy  labour  market  Conservative  Party  nasty  secular  stagnation  Generationengerechtigkeit  Wall  Street  profit  maximisation  shareholder  value  Millennials  generationy  generationx  babyboomers  City  of  London  GFC  oversight  Bank  FCA  Greed  regulators  trust  free  market  neoliberalism  neoliberal  policy  error  policy  folly  HMRC 
february 2016 by asterisk2a
Five issues that will shape the Northern Powerhouse - BBC News
[ white elephant! lol & the double standard of Google paying 2% tax vs small businesses full 18%+ and not getting investment, R&D loans ] Will Hull thrive or suffer if transport is radically improved to the eastern fringe of the Powerhouse? There's no way of telling. Some people think investment in skills, education and training would be a more certain way of improving productivity - and business leaders are keen to ensure that these key elements are not forgotten in the rush for steel and tarmac. I asked former CBI director-general John Cridland, who is now head of Transport for the North, if there was any certainty that spending billions on infrastructure would improve productivity. He agreed there was no proof, but urged people to take a leap of faith - like the Victorian engineers.
STEM  skills  gap  practical  skills  apprenticeships  underinvestment  productive  investment  Northern  Powerhouse  UK  George  Osborne  David  Cameron  productivity  output  gap  recovery  carbon  tax  renewable  energy  competitiveness  competitive  industrial  policy  Germany  corporate  tax  rate  tax  evasion  tax  avoidance  conglomerate  multinational  HMRC  budget  deficit  dogma  ideology  austerity  squeezed  middle  class  job  creation  Service  Sector  Jobs  added  value  value  creation  economic  history  property  bubble  distortion  HS2  Hinkley  Point  C  HS3  infrastructure  investment  infrastructure  macroeconomic  policy  macroprudential  policy  zombie  banks  BOE  Funding  for  Lending  Scheme  Mark  Carney 
february 2016 by asterisk2a
Fiscal Costs of Hidden Deficits: Beware—When It Rains, It Pours | iMFdirect - The IMF Blog
For example, governments are often expected to cover the debts of local authorities or state-owned enterprises when these are unable to pay. Sometimes, governments also incur substantial costs from financial sector bailouts. Countries like Australia and the United Kingdom, record, monitor, disclose, and manage these potential liabilities to minimize risks to their budgets. However, in most cases, taxpayers only know about them when it’s too late. That is, when these liabilities are no longer “potential” but “actual.”
budget  deficit  UK  George  Osborne  economic  history  austerity  pension  obligation  bank  bailout  GFC  Help  to  Save  Help  to  Buy  Scheme  Right  to  Buy  Generationengerechtigkeit  macroprudential  policy  fiscal  policy  Career  Politicians  No  Representation  corporate  welfare  constituency  Party  Funding  subsidies  subsidizing  David  Cameron  Tories  Conservative  Party  nasty 
february 2016 by asterisk2a
This Letting Agent Admits The Housing Shortage Is Good News For Landlords - BuzzFeed News
[ Lord Adair Turner book & Richard Koo; banks tend 2 lend 2 property & land rather than productivity/businesses. risk averse, if the family cant pay the mortgage any more, than at least u have not lost all the money! less risky! Its also partly rentier behaviour of banks. // also BOE has to be concerned about future disposable income; rent & utilities eating up 50%-75% of income thus less for consumption! ] “Landlords’ balance sheets are looking healthier than at any point since 2014, and property investors are looking at an excellent rate of return from their portfolios.” Gill warned that changes to stamp duty announced in chancellor George Osborne’s Autumn Statement and due to take effect on 1 April – people selling buy-to-let investments will pay an extra 3% – were bad news for landlords. But overall, the “consistent and developing lack of housing for across all tenures, for a spiralling population” meant the level of demand for rental properties would not reduce, he said.
property  bubble  speculative  bubbles  asset  bubble  asset  allocation  macroprudential  policy  Generationengerechtigkeit  generation  rent  Housing  Crisis  social  affordable  distortion  ZIRP  NIRP  QE  aggregate  demand  Right  to  Buy  Buy-to-Let  Help  to  Buy  Scheme  Help  to  Save  policy  folly  policy  error  consumer  debt  household  debt  budget  deficit  recovery  mortgage  market  credit  bubble  GFC  bank  bailout  BOE  zombie  banks  rentier  rent-seeking  Richard  Koo  underinvestment  productive  investment  infrastructure  investment  zombie  consumer  industrial  policy  economic  history  Mark  Carney  financial  repression  behavioral  finance  behavioral  economics  herding  herd  hunt  for  yield  leverage  margin  trading  equity  bubble  Gini  coefficient  disposable  income  discretionary  spending  VAR  CDO  CDS  risk  aversion  squeezed  middle  class  secular  stagnation  inequality  UK  generational  contract  lost  generation  constituency  Tories  Conservative  Party  nasty  David  Cameron  George  Osborne  general  election  2015  general  election  2020  fiscal  policy  austerity  monetary  policy  liquidity  trap 
february 2016 by asterisk2a
Help-to-buy loan scheme nets Treasury £213m in paper profit | Money | The Guardian
[ gov is not co-owner of private property! Make away with Nurse Bursaries and other gov support for education. But support the property price! by keeping supply always lower than demand. and use policy to increase demand w subsidies! where to put their savings! & subsidy for builders ] Rising house prices across much of England mean a government scheme to help buyers of newbuild property may have made more than £200m for the Treasury in its first two-and-a-half years. The help-to-buy equity loan scheme gives buyers an interest-free loan for five years in return for a percentage stake in their property. When the home is sold, the buyer returns the same percentage of the sale price, meaning that any fall or rise in house prices affects the return. Analysis by property firm Hometrack and shared with the Guardian suggests that a surge in house prices in some areas means the total value of homes bought through the scheme since its launch in April 2013 has increased by more than £1bn.
property  bubble  UK  speculative  bubbles  Housing  Crisis  affordable  social  Help  to  Buy  Scheme  Right  to  Buy  Buy-to-Let  Help  to  Save  budget  deficit  austerity  constituency  Party  Funding  babyboomers  BOE  macroprudential  policy  mortgage  market  ZIRP  NIRP  QE  hunt  for  yield  distortion  financial  repression  household  debt  consumer  debt  credit  card  debt  Generationengerechtigkeit  generation  rent  fairness  asset  bubble  asset  allocation  NPL  subprime  Payday  Loans  car  loan  student  debt  student  loan  debt  student  loan  Tories  fiscal  policy  monetary  policy  policy  error  policy  folly  Conservative  Party  nasty  short-termism  voter  turnout  disenfranchise  disenfranchised  David  Cameron  George  Osborne  underinvestment  infrastructure  investment  productive  investment  recovery  Richard  Koo  balance  sheet  recession  deleveraging  debtoverhang  zombie  consumer  zombie  banks  zombie  corporations  secular  stagnation  Privatisation  trickle-down  economics  dogma  ideology  GFC  bank  bailout  subsidies  subsidizing  corporate  welfare 
february 2016 by asterisk2a
Scientists: air pollution led to more than 5.5 million premature deaths in 2013 | Environment | The Guardian
“Air pollution is the fourth-highest risk factor for death globally and by far the leading environmental risk factor for disease,” said Michael Brauer, a researcher from the University of British Columbia. Brauer said air pollution contributed to heart disease, stroke, lung cancer, bronchitis, emphysema and acute infections. He and his colleagues compared the problem in Asia to the conditions under centuries of industrial revolution in the US and Europe: massive economic growth smothered by clouds of toxic matter in the air. [... COAL ...] “Even in the most clean scenario in 2030,” Ma said, China’s growing and ageing population will still suffer 990,000 to 1.3 million deaths a year.
air  pollution  premature  ageing  premature  death  public  health  policy  public  health  public  safety  coal  fossil  fuel  renewable  energy  economic  damage  Abgas-Affäre  lobbyist  lobby  Lobbying  city  living  standard  of  living  living  standard  living  spaces  urban  planning  urbanisation  quality  of  life  water  pollution  noise  pollution  light  pollution  pollution  babyboomers  cancer  heart  disease  lung  disease  COPD  carbon  tax  carbon  dioxide  carbonfootprint  carbon  trading  scheme  carbonemission  carbon  capture  energy  policy  industrial  policy  competitiveness  competitive  public  transportation  COP21  climate  crisis  climate  change  global  warming  prevention  intervention  health  care  budget  health  care  spending  sick  population  health  crisis  well  being  chronic  diseases 
february 2016 by asterisk2a
From Ticker - S&P: QE is driving inequality between the generations
Quantitative easing (QE) stabilized the economy but also exacerbated wealth disparity between rich and poor, mainly by boosting financial asset prices and house prices. //&! [ LOW PAY MINIMUM WAGE JOB CREATION ] During the U.K.’s recent “jobs-rich, pay-poor” economic recovery, strong employment gains were accompanied by a further rise of already high wage dispersion and an ever-growing share of part-time employment in lower income groups. //&! In the context of the tight housing market, low interest rates and QE are among the drivers behind the widening wealth and income gap between younger and older generations and between those on the housing ladder and those not on it. //&! Inequality is damaging! // bit.ly/1QtauyZ - Bank of England's recovery policies have increased inequality, finds S&P [...] spending too much on rent, not able to save for deposit! //&! bit.ly/1PPyEYl &! ti.me/1sbBtrz
QE  inequality  reflate  reflation  distortion  recovery  job  creation  Service  Sector  Jobs  UK  USA  fiscal  policy  monetary  policy  monetary  stimulus  unconventional  monetary  policy  Fed  BOE  bank  bailout  zombie  banks  zombie  consumer  zombie  corporations  ZIRP  NIRP  TARP  TLTRO  LTRO  ECB  equity  bubble  asset  bubble  property  bubble  Housing  Crisis  Help  to  Buy  Scheme  Help  to  Save  Right  to  Buy  income  inequality  Gini  coefficient  social  mobility  income  mobility  budget  deficit  austerity  George  Osborne  income  distribution  poverty  trap  tax  credit  low  pay  low  income  squeezed  middle  class  Precariat  Zero  Hour  Contract  Contractor  part-time  Tories  nasty  party  homeless  homelessness  social  affordable  Conservative  Toff  Privileged  Establishment  Funding  discretionary  spending  disposable  income  household  debt  consumer  debt  credit  card  debt  student  loan  debt  student  loan  student  debt  debt  servitude  economic  history 
february 2016 by asterisk2a
The Guardian view on starter homes: stop them now | Editorial | Opinion | The Guardian
The Guardian view on starter homes: stop them now. A policy supposed to spread house ownership more widely will end up bribing the rich with taxes on the poor //&! Spin and Positioning of PM Cameron at work in PMQ on housing crisis (rent sector lacking rights to decent homes) - bit.ly/1V30QXL - bit.ly/1QVAEx5 - 'We can only do XYZ with a strong economy!' 'We can only have the NHS with a strong economy.' << bit.ly/1Qua1S5 >> 'How do we pay for the NHS?! More growth! More jobs! More people having a livelihood! ... &! Said PMQ vertict - bit.ly/1Q8IAhy &! More of said session - bit.ly/1orUqHo //&! An actual analysis of Cameron's rebuttal, which factually doesn't stand up; bit.ly/1QrsdHa - Spin Master at work/misrepresentation; homelessness, social housing,
Starter  Home  generation  rent  social  housing  affordable  housing  Help  to  Save  Help  to  Buy  Scheme 
february 2016 by asterisk2a
Affordable housing: David Cameron’s starter homes plan is not the solution | Society | The Guardian
Affordable housing: David Cameron’s starter homes plan is not the solution A proposal to create ‘starter homes’ selling for 20% below market rate may be good news for developers, but is unlikely to make them build more houses. [...] Even if the starter homes plan does lead to an uptick in building, these are homes that will be on the market to buy, not for rent. They will give those who might have used the existing help to buy scheme an alternative choice, but they don’t offer an affordable alternative to homeownership, or an option for the priced-out. Mortgage rates mean that homes are relatively cheap to own, but expensive to buy, and raising a deposit for a home that can cost up to £250,000 outside London and £450,000 in London is no mean feat. To take a 95% mortgage on a £200,000 property you are looking at £10,000, plus stamp duty and other charges. Try saving that up when your rent is rising each year. //&! bit.ly/1Tcvlg6 - Cameron has to buy off his MP's constituency on policy
subsidies  subsidizing  Help  to  Buy  Scheme  Buy  to  Rent  Starter  Home  Housing  Crisis  social  affordable  benefit  constituency  Party  Funding  babyboomers  Generationengerechtigkeit  fairness  property  bubble  asset  bubble  Help  to  Save  Right  to  Buy 
february 2016 by asterisk2a
Starter homes will 'stymie social mobility' | Money | The Guardian
Shelter warns that David Cameron’s homebuilding policy will be out of reach for those on average earnings, while others say it may divide communities //&! Taylor Wimpey warns over plan to build discounted homes for first-time buyers. Housebuilder questions how proposed 20% saving on more than 200,000 properties would be implemented and its impact on affordable housing sector - bit.ly/1SdH4dS //&! new legislation that fails to address the problem of affordable rented housing - bit.ly/1O2XMIM //&! Britain’s biggest housebuilder and smaller rival Galliford Try report confident outlook thanks to government-backed schemes such as help to buy - bit.ly/1OQQvgM //&! Property has become a subsidized asset bubble for the well off upper quarter of British households! Tories main constituency, especially in the South! //&! Policy is attack in social and affordable housing! Privatisation through the back door. But not solving. PM just positions himself and it at it! spin! - bit.ly/1OJlYgt
Starter  Home  Help  to  Buy  Scheme  Buy  to  Rent  property  bubble  aggregate  demand  Housing  Crisis  social  affordable  Privatisation  benefit  Help  to  Save 
february 2016 by asterisk2a
Housing: Corbyn and Cameron clash over 'right-to-buy' - BBC News
[ micro/macro econ policy folly / error to promote home ownership. the only asset of UK households hold ... has to be kept afloat! by any means necessary. + Help to Buy ] The way the government intends to pay for its plans to allow social tenants in England to buy their homes is "extremely questionable", MPs say. The Commons Communities Committee criticised the funding model for the right-to-buy scheme, which will see housing associations reimbursed for selling homes to tenants at discounts. [ AND WITH THE MONEY THEY WANT TO BUILT STARTER HOMES FOR THE 30-20% of UK HOUSEHOLDS THAT CAN AFFORD A DOWN PAYMENT OF A 250-400k HOME. ] &! bit.ly/1hpXShr - PM will promise to tear up planning rules in effort to encourage developers to build more housing for first-time buyers //&! Buy to Rent w its tax breaks is a subsidy for privileged! & MPs say it should be paid for directly rather than via council house sales. Ministers say it will help create a million new homeowners by 2020.
Right  to  Buy  property  bubble  asset  allocation  household  debt  consumer  debt  credit  card  debt  car  loan  mortgage  market  affordable  housing  social  housing  Starter  Home  Crisis  David  Cameron  Tories  nasty  party  Conservative  short-termism  constituency  Funding  general  election  2020  general  election  2015  election  campaign  promises  Manifesto  generation  rent  Generationengerechtigkeit  speculative  bubbles  aggregate  demand  Supply  and  and  Supply  macroprudential  policy  Buy  to  subsidies  subsidizing  Help  to  Buy  Scheme  Privatisation 
february 2016 by asterisk2a
What's holding back the world economy? | Business | The Guardian
[ continued financialisation of economy / faustian pact ] QE and low interest rates have disproportionately created wealth in the financial sector and inflated asset bubbles. It has done little for the real economy. The rules of the market need to be rewritten [...] dominant policies during the post-crisis period – fiscal retrenchment and quantitative easing (QE) by major central banks – have offered little support to stimulate household consumption, investment, and growth. On the contrary, they have tended to make matters worse. In the US, quantitative easing did not boost consumption and investment partly because most of the additional liquidity returned to central banks’ coffers in the form of excess reserves. [...] private investment did not grow [...] [ QE supported only financial sector and zombie banks and corporations, little to nothing went into the real economy for investment in western world ] [ which leads us to say we are still in a banking crisis per se ]
Joseph  Stiglitz  secular  stagnation  reflate  reflation  austerity  QE  ZIRP  NIRP  TARP  TLTRO  LTRO  zombie  banks  zombie  corporations  zombie  consumer  Richard  Koo  consumer  debt  household  debt  car  loan  credit  card  debt  Student  Bubble  loan  debt  disposable  income  discretionary  spending  squeezed  middle  class  Precariat  low  pay  low  income  wage  stagnation  income  growth  USA  UK  Europe  western  world  mortgage  market  NPL  debt  servitude  underinvestment  productive  investment  infrastructure  investment  economic  history  policy  folly  policy  error  corporate  welfare  tax  evasion  tax  avoidance  Gini  coefficient  income  distribution  social  mobility  income  mobility  poverty  trap  inequality  recovery  job  creation  Service  Sector  Jobs  distortion  financial  repression  speculative  bubbles  hunt  for  yield  asset  equity  VIX  volatility  Help  to  Buy  Scheme  monetary  policy  liquidity  trap  fiscal  policy  debtoverhang  deleveraging  balance  sheet  recession  consumer  confidence  business  confidence  business  investment  productivity  output  gap  aggregate  demand  income  redistribution  repo  monetary  transmission  mechanism  monetary  system  financial  market  GFC  banking  crisis  retail  banking  investment  banking  hot-money  Frontier  Markets  emerging  market  BRIC  rent-seeking  rentier  carbon  tax  economic  damage 
february 2016 by asterisk2a
If we want to solve the housing crisis, we must answer these three questions | Paul Mason | Opinion | The Guardian
[ prices have to stay afloat by any means, or conservatives are out for the next decade or two as they have done nothing to balance two sides. they continued to inflate the bubble further. proclaiming uk as home owning nation. ] If you then dramatically slash the supply of social housing, through right-to-buy and reduced council building, you create a permanent imbalance that turns home ownership into a form of asset investment. What you get then is boom and bust. And the only way to cure the bust is for the government to greet every collapse in market prices with effective state subsidies for home ownership. This, in turn, induces a speculative frenzy of one way bets – on development, on buy to let, on off-plan investment buying from abroad.
Housing  Crisis  social  affordable  property  bubble  Starter  Home  speculative  bubbles  distortion  macroprudential  policy  BOE  Buy  to  Rent  Help  to  Buy  Scheme  policy  error  policy  folly  subsidies  subsidizing  short-termism  opportunist  Opportunism  Career  Politicians  George  Osborne  David  Cameron  Mark  Carney  mortgage  market 
february 2016 by asterisk2a
The trap of materialism - YouTube
Consumerism! The more we consume, the better our lifes will be. ... Keeping up with the jonses. [...] the true cost of an item is not the price. as long as carbon, pollution is not priced in. thus the carbon tax and pollution tax (ecological and environmental). [...] WALL E is true. leaving a planet full of junk. and pollution, inhospitable environment. [...] post-capitalism = post-consumerism in age of abundance and marginal cost (energy, water, food). [...] a man's life does not lie in the abundance of his possessions. and be fearful of greed << Bible [...] consumerism does not equal to tue individuality or individualism of a human being among many. its a choice you can pick from and define yourself in public with it ie which color your iPhone has or what case for it [ min 8 Adam Smith; let flourish self-interested selfish economic interest through consumption = growth ] [...] shopping as experience. shopping as a way of life. self-medication. coping mechanism in the rat race.
consumerism  materialism  inequality  Greed  Gini  coefficient  Super  Rich  1%  plutocracy  oligarchy  capitalism  post-capitalism  zombie  consumer  GDP  nominal  GDP  targeting  credit  credit  card  debt  household  debt  consumer  debt  status  symbol  status  anxiety  socioeconomic  status  social  status  class  warfare  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  COP21  ecosystem  ecological  disaster  environmental  disaster  poverty  income  distribution  global  warming  climate  change  climate  crisis  economic  damage  economic  history  resource  depletion  finite  resources  Spiritual  spirituality  Mindfulness  happiness  index  well  being  mental  health  Religion  Wertegesellschaft  Gesellschaft  Wegwerfgesellschaft  society  sociology  psychology  rat  race  coping  mechanism  substance  abuse  self-medication  chronic  stress  American  Dream  marketing  advertisement  advertising  advertisement  targeting  advertisement  re-targeting  Big  Data  mass  culture  Popular  PR  spin  doctor  exploitation  self-regulation  Wall  Street  shareholder  value  profit  maximisation  Protection 
february 2016 by asterisk2a
Masters in Business: Yale Professor Robert Shiller (Audio) by Bloomberg View
history has proven again, markets are not efficient long-term // psychology is disreputable in econ department. // cognitive dissonance - justifying X action by looking around ... / Efficient-market hypothesis is a hypothesis for a reason; "it's a half-truth" "sometimes market moves don't reflect market news." // irrational exuberance // book fooled by randomness // 24:00 eugene phama - markets are very efficient, prices reflect all the knowledge out there, just buy the index, don't try to beat the market. buy passive index // don't play poker with your life savings. << robert shiller // 30:00 look at politics science, sociology, psychology - influence markets, people. broader disciplines. economists disregard them. // finance is about manage risk! about being a productive society and progress, and not suffer from boom and bust cycle! + financing activities ie VC gov supported R&D // & gov being a support pillar for all and not picking winners, can't forecast the future!
free  market  marketplace  efficiencies  marketplace  inefficiencies  efficient-market  hypothesis  complexity  human  Wall  Street  crowd  herd  herding  speculative  bubbles  distortion  economic  history  GFC  subprime  book  Robert  Shiller  robertshiller  behavioral  finance  behavioral  economics  finance  corporate  welfare  subsidies  subsidizing  corporate  tax  rate  R&D  Venture  Capital  Angel  Investor  Seed  Round  risk  pension  fund  pension  obligation  401k  public  pension  pension  scheme  pension  marginal  propensity  to  consume  plutocracy  Super  Rich  1%  Greed  oligarchy  self-regulation  disposable  income  discretionary  spending  negative  equity  boom  &  bust  secular  stagnation  shareholder  value  profit  maximisation 
february 2016 by asterisk2a
Nasty Gal Layoffs Hit 10 Percent of Staff | Re/code
Online fashion retailer Nasty Gal has laid off 10 percent of its staff, as the purveyor of edgy women’s clothing cuts costs amid an uncertain financing and retail environment. CEO Sheree Waterson told the company in an email that the cuts were necessary as the “market in which we operate is changing, both in retail broadly and apparel specifically.” Nineteen employees across several departments were let go. Nasty Gal also laid off some staff in 2014. The layoffs underscore the difficulty mature e-commerce startups can encounter as they transition from being a hot new brand to the long slog of building a more traditional retail business. In short, building a retail brand is really hard and technology can only afford you so many shortcuts along the way. Online beauty brand BirchBox announced layoffs of 15 percent of its staff last week, as startups in e-commerce tighten belts as investors become more wary of unprofitable growth.
Nasty  Gal  Branding  Brand  e-commerce  Retail  pure  play  Amazon  brick  and  mortar  business  squeezed  middle  class  discretionary  spending  disposable  income  USA  consumption  consumer  debt  household  debt  credit  card  debt  car  loan  student  loan  debt  student  loan  Bubble  low  pay  low  income  Precariat  precarious  work  eBay  zombie  consumer  Primark  status  symbol  status  anxiety  consumerist  consumerism  secular  stagnation  debt  servitude  retirement  pension  scheme  401k  fiscal  policy  austerity  monetary  policy  reflate  reflation  economic  history  recovery  job  creation  Service  Sector  Jobs  emerging  middle  class  western  world  credit  BRIC  emerging  market  Frontier  Markets 
february 2016 by asterisk2a
Elektroauto: Sonderabgabe auf Sprit soll Kaufprämie finanzieren - SPIEGEL ONLINE
In den Regierungsstreit über eine Kaufprämie für Elektroautos mischt sich der Chef der Nationalen Plattform Elektromobilität ein. Henning Kagermann will den Bonus unbedingt - zulasten von allen anderen Autofahrern. //&! Ab 2021 dürfen Neuwagen in der EU nicht mehr als 4,1 Liter Benzin im Schnitt verbrauchen. Doch besonders die deutschen Hersteller tun sich laut einer Untersuchung mit den Vorgaben schwer. Schuld daran hat ein Trend, den sie jahrelang selbst befeuert haben. - bit.ly/1nT3mFF //&! LOBBYING EFFORTS STILL ON! - Ab 2017 werden die Abgaswerte von Dieselfahrzeugen unter Realbedingungen gemessen. Das EU-Parlament hat für einen entsprechenden Entwurf gestimmt. Gleichzeitig winkten die Abgeordneten Zugeständnisse an die Autohersteller durch. - bit.ly/1QiXxrA
carbon  tax  autoindustry  automotive  fossil  fuel  renewable  energy  electric  car  carbonfootprint  carbon  trading  scheme  carbonemission  consumer  choice  subsidies  subsidizing  macroprudential  policy  microeconomic  policy  macroeconomic  policy  Makers  COP21  climate  change  global  warming  climate  crisis  air  pollution  efficiency  energy  efficiency  Smart  Grid  energy  storage  SUV  status  symbol  zombie  consumer  Abgas-Affäre  oversight  transparency  accountability  Wall  Street  shareholder  value  profit  maximisation 
february 2016 by asterisk2a
The lights are going out for solar energy
Back in December, when most people were focussed on Christmas and not renewable subsidies, the government quietly published their decision to cut Feed-in Tariffs for industries such as solar, wind and hydropower by a staggering 65 per cent. Included in the small print was analysis which showed a possible 19,000 job losses, mostly in solar, which would see that industry shrink to under half its size. [...] Instead the government is thinking short-term, and our economy will suffer. For a party that wants people to think of it as economically competent, this is an incredibly bad move.
energy  price  energy  policy  renewable  energy  Amber  Rudd  George  Osborne  David  Cameron  short-termism  trickle-down  economics  carbon  tax  fossil  fuel  nuclear  power  carbonfootprint  carbon  trading  scheme  carbonemission  COP21  competitive  competitiveness  industrial  policy  Steel  Industry  Aberdeen  subsidies  subsidizing  corporate  welfare  Makers  Career  Politicians  constituency  policy  folly  policy  error  Opportunism  opportunist  Party  Funding  Oil  price  commodity  prices 
february 2016 by asterisk2a
Pando: Sources: Vegas-based Work In Progress co-work space is shutting its doors
Organic is better is more sustainable // Vegas Downtown Project // have a framework (macroprudential policy), but don't pick winners, cities, regions, ... roundabouts. // semiconductor boom bust in scotland, outside glasgow, area - via tax breaks (ie IBM spango vallye)
free  market  Venture  Capital  subsidies  subsidizing  corporate  welfare  Silicon  Valley  Vegas  Downtown  Project  Berlin  Start-Up  Scene  Los  Angeles  Start-Up  Scene  New  York  Start-Up  Scene  Silicon  Alley  economic  history  fossil  fuel  renewable  energy  carbon  tax  carbon  trading  scheme  carbonfootprint  carbonemission  tax  code  fiscal  policy  industrial  policy  job  creation  STEM  Manufacturing  dogma  trickle-down  economics  neoliberalism  neoliberal  Career  Politicians  No  Representation  short-termism  Opportunism  opportunist  microeconomic  policy  macroprudential  policy  macroeconomic  policy  intellectual  property  IP  progressive  tax  code  tax  evasion  tax  avoidance  democracy  social  democracy  fairness 
february 2016 by asterisk2a
Hitachi boss issues warning over Wylfa subsidy deal - BBC News
[ giving extortionate (for consumer) strike prices, while cutting renewable feed in tariff 95% and 500m subsidies for Oil/Aberdeen ] The head of the company behind a new £8bn nuclear power station on Anglesey has warned it may walk away from the project if a subsidy deal with the UK government cannot be reached. Hitachi chairman Hiroaki Nakanishi told the Telegraph he voiced concerns about Wylfa Newydd's expected cost to Foreign Secretary Philip Hammond. It followed problems a rival faced for the Hinkley Point plant in Somerset. The UK government said it wants low-cost nuclear power. Hitachi owns Horizon Nuclear Power which is behind the plans to build the new power plant, which could be operational by the early 2020s. Horizon is in talks with the Department of Energy and Climate Change (DECC) on issues such as the strike price, which will be key to attracting additional finance.
energy  price  energy  policy  renewable  energy  fossil  fuel  nuclear  power  UK  Westminster  Tories  austerity  Smart  Grid  underinvestment  foreign  direct  investment  Amber  Rudd  George  Osborne  David  Cameron  Hinkley  Point  C  nuclear  subsidies  subsidizing  corporate  welfare  Wall  Street  shareholder  value  profit  maximisation  transparency  accountability  white  elephant  white  lies  PR  spin  doctor  Positioning  COP21  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  climate  change  global  warming  extreme  weather  weather  extreme  nuclear  waste  short-termism 
february 2016 by asterisk2a
Scottish cabinet calls on UK Chancellor to cut oil and gas 'tax burden' - BBC News
- how about putting money in renewable schemes? duh? // selecting an industry, that is clearly on the down, in the long run. duh! and is clearly not contributing a carbon free economy!
corporate  welfare  subsidies  subsidizing  Principle  SNP  Oil  price  Career  Politicians  constituency  corporate  tax  rate  fossil  fuel  carbon  trading  scheme  carbonfootprint  carbonemission  carbon  tax  UK  Westminster  Holyrood 
january 2016 by asterisk2a
Cameron: Labour doesn’t believe in home ownership – video | Society | The Guardian
home ownership is the only wealth item in privates balance sheet. but as we know from history, dont base ur wealth on one asset. particular houses. houses/flats are there to be lived in. & maybe move out & into a new one, moving city for new or better job. property should not be prioritised as singular wealth storage // USA promoted home ownership // Tories policy is helping people save, and buy, keeping the house prices going up an up and up. // &! Complete Privatisation of housing market; Ministers want to get rid of social housing, former civil service chief to say. Lord Kerslake to say housing bill will force councils to sell off more than 100,000 homes to subsidise right-to-buy discounts - bit.ly/1Qr1FKr - The former head of the civil service will accuse government ministers this week of trying to phase out social housing altogether in favour of a new generation of “starter” homes that will be unaffordable for people on low incomes. //&! bit.ly/20lvGOp Privatisation a disaster
nasty  party  policy  folly  policy  error  Makers  generation  rent  Tories  Conservative  mortgage  market  property  bubble  Housing  Crisis  household  debt  consumer  debt  credit  card  debt  zombie  consumer  subprime  cost  of  living  standard  of  living  Help  to  Buy  Scheme  Right  to  Buy  Buy-to-Let  Help-to-Save  macroprudential  policy  wealth  distribution  wealth  management  austerity  neoliberalism  neoliberal  social  affordable  Privatisation  budget  deficit  Council  Public  Services  Services  David  Cameron  George  Osborne  budget2015 
january 2016 by asterisk2a
The city in love with cars even though its air is toxic - BBC News
Delhi is a city that adds 1,400 cars to its roads every day - and the minute the local government announced an emergency car rationing plan, the complaints and legal battles began. // economic damage - due to a rise in cancer and chronic ailments - reducing discretionary spending/disposable income - due to health care spending and being a carer for your sick relative.
air  pollution  public  health  policy  public  health  public  transportation  transportation  carbon  dioxide  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  BRIC  Frontier  Markets  emerging  middle  class  Asia  China  India  economic  damage  Beijing 
january 2016 by asterisk2a
Under-40s worse off as result of state pension changes, data shows | Money | The Guardian
[ how do you save up when you can afford housing (nor even a mortgage, have credit cards (drinks and presents), and student loan. all the while tories help to prop-up the property bubble, the only wealth uk households actually have! ] Most people now in their teens, 20s and 30s will be worse off as a result of changes to the state pension system, while millions of older people will gain, according to the government’s own figures. The data will fuel concern that millions of younger people are suffering from the effects of what has been dubbed “intergenerational unfairness”, partly caused by the government targeting money and resources at the older generation. DWP issued the data to back up its assertion that the introduction of the new flat-rate state pension in April “will make millions of people better off” – but the figures also provide stark confirmation that younger people will be losers from the changes.
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january 2016 by asterisk2a
Top judge says justice system is now unaffordable to most | Law | The Guardian
[ the budget a excel spreadsheet in No 10, with grades @ the end what upsets donors & what upsets the minimum of potential voters - is Career Politicans calculated approach. & shifting a public item off the balance sheet onto the private balance sheet! again! the debt is still there! & what does Tory gov support? Home Buyers! ] Civil justice is unaffordable for most people, more people are being forced to represent themselves, and judges – whose pensions have been cut – feel under-appreciated, according to the lord chief justice. [...] “Our system of justice has become unaffordable to most,” Thomas said in the introduction to his report. “In consequence there has been a considerable increase of litigants in person for whom our current court system is not really designed. //&! Court fees jeopardise Magna Carta principles, says lord chief justice. Mandatory court charges of up to £1,200 put justice beyond reach of majority, says Lord Thomas - bit.ly/1ZXfhAE &! bbc.in/1RmyLMD
injustice  inequality  economic  justice  System  justice  austerity  Tories  nasty  party  Conservative  George  Osborne  David  Cameron  Westminster  No  Representation  Career  Politicians  Toff  Privileged  Establishment  democracy  social  democracy  lobbyist  lobby  Lobbying  GFC  white-collar  crime  bank  bailout  Gini  coefficient  revolving  door  Funding  constituency  babyboomers  working  poor  Precariat  tax  credit  budget2015  fairness  Generationengerechtigkeit  political  economy  political  theory  policy  folly  policy  error  household  debt  private  debt  budget  deficit  public  sentiment  Help  to  Buy  Scheme  Right  to  Buy  property  bubble 
january 2016 by asterisk2a
Climate Scientist James Hansen Warns World is on Wrong Track to Prevent Runaway Global Warming - YouTube
"total fraud [...] if we let fossil fuel be the cheapest form of energy [...] price should reflect cost to society and the planet. [...] COP21 resolutions are jump change versus realities. [...] helps to stop to subsidies renewable bc renewable will be more favorable because fossil fuels will be more expensive."
COP21  climate  change  climate  crisis  global  warming  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  fossil  fuel  energy  price  energy  policy  shared  economic  interest  economic  damage  Wall  Street  shareholder  value  profit  maximisation  crony  capitalism  capitalism  zombie  consumer  democracy  Career  Politicians  No  Representation  Generationengerechtigkeit  mass  extinction  babyboomers  fairness  Super  Rich  1%  plutocracy  Makers  lobbyist  lobby  Lobbying  vested  interest  interest  groups  revolving  door  Public  sentiment  renewable  energy  self-regulation  subsidies  subsidizing  corporate  welfare 
january 2016 by asterisk2a
Whoa...The Climate Crisis at the North Pole - YouTube
Storm Frank/Storm Eva/Storm Desmond. High temps @North Pole. This will go down into the history books! Destabalising of Polar Vortex (colder winters) vs El Nino effect (warmer wetter winters) + Jet Stream wobbly (<< still cutting edge science.) [...] 'Destable Polar Vortex due to global warming.' Wobbly Jet Stream = chaotic weather (ie warm arctic like california warm). Coming Decades more extremes, more events. //&! Civilization's rise based on fossil fuel = also it's demise, mass extinction - youtu.be/XhkpsyT3mDc //&! Pre-COP21 France Foreign Minister "We Are on the Edge of a Climatic Abyss" - youtu.be/jfeS5k1518o //&! Crisis is Worse Than We Think & Scientists Are Self-Censoring to Downplay Risk - youtu.be/NmL4t8TclGU - public collectively comfortably aware. and hoping for carbon capture tech. youtu.be/svlU6p0gHgo //&! Naomi Klein on Why Climate Change is ‘Incredibly Threatening To Our Elites’ - youtu.be/g_2GjzS576A
climate  change  global  warming  extreme  weather  El  Nino  weather  extreme  COP21  greenland  iceshield  Gulf  Stream  climate  science  climate  system  climate  crisis  jet  fossil  fuel  mass  extinction  National  Security  food  crony  capitalism  capitalism  Wall  Street  shareholder  value  profit  maximisation  shared  economic  interest  economic  damage  carbonfootprint  carbon  tax  carbonemission  carbon  trading  scheme  methane  Meat  Industry  food  deforestation  soil  erosion  coastal  erosion  rising  sea  levels  ocean  warming  public  sentiment  public  perception  public  awareness  public  debate  public  image  public  opinion  air  pollution  carbon  capture 
january 2016 by asterisk2a
Thomas Piketty on Capitalism, Corbyn and why Zuckerberg is getting it wrong - BBC Newsnight - YouTube
home ownership in UK is biggest item of UK's household wealth. 2/3rd of housing is owned. other 3rd is rented. that is why the property bubble/prices have to be kept afloat. otherwise balance sheet recession > deleveraging > debt servitude > lower consumption rate > cratering UK economy as ~70% of UK economy is based on consumption. // blaming others (ISIS) for radicalization. but who put them in this place to be radicalized, in the first place? inequality, youth unemployment. // COP21, western world do not face their historical obligation! // world wealth and income database - www.wid.world
philanthropy  Thomas  Piketty  Mark  Zuckerberg  Bill  Gates  social  mobility  income  mobility  Gini  coefficient  meritocracy  meritocratic  Alain  de  Botton  UK  George  Osborne  property  bubble  tax  code  progressive  taxation  Help  to  Buy  Scheme  Buy  to  Rent  rent-seeking  rentier  generation  GFC  bank  bailout  austerity  fairness  Generationengerechtigkeit  Tories  Conservative  Party  David  Cameron  budget2015  inequality  income  inequality  youth  unemployment  radicalization  islamic  radicalism  radicalisation  Islamophobia  ISIS  disenfranchise  disenfranchised  Perspective  Perspektivlosigkeit  COP21  debt  servitude  Super  Cycle  household  debt  private  debt  credit  card  debt  car  loan  credit  card  consumer  debt  debtoverhang  2015  2016  fiscal  policy  Makers  vested  interest  interest  groups  monetary  policy  ZIRP  NIRP  QE  distortion  Super  Rich  1%  plutocracy  democracy  No  Representation  social  democracy  Career  Politicians  constituency  babyboomers  general  election  2015  election  campaign  promises  Manifesto 
january 2016 by asterisk2a
Osborne warns of 'dangerous cocktail' of economic risks - BBC News
[ repeat phrases - "strong economy", "strong economy, strong NHS" ] The UK faces a "cocktail" of serious threats from a slowing global economy as 2016 begins, Chancellor George Osborne has warned. Speaking in Cardiff, Mr Osborne said this year is likely to be one of the toughest since the financial crisis. He told business leaders that far from "mission accomplished" on the economy, "2016 is the year of mission critical". His message is in stark contrast to the positive tone of his Autumn Statement, when he said the UK was "growing fast". [...] that the Autumn Statement had put in place a four-year plan to restore the UK's public finances, and make the economy more productive, with businesses more competitive so they could create jobs. [...] Mr Osborne told the Today programme the UK's economic recovery was not "a debt-fuelled recovery", citing the support of the governor of the Bank of England in his assessment. [ not public, but private household debt! ]
George  Osborne  Career  Politicians  PR  spin  doctor  budget2015  Tories  Conservative  Party  nasty  austerity  underinvestment  productive  investment  productivity  output  gap  job  creation  wage  growth  consumer  debt  household  debt  Positioning  energy  policy  competitiveness  renewable  energy  corporate  welfare  corporate  tax  rate  Generationengerechtigkeit  fairness  subsidies  subsidizing  NHS  Jeremy  Hunt  David  Cameron  general  election  2015  election  campaign  promises  Manifesto  constituency  babyboomers  Opportunism  opportunist  Oil  price  bank  bailout  fiscal  policy  monetary  policy  Housing  Crisis  affordable  generation  rent  property  bubble  NPL  mortgage  market  car  loan  credit  card  debt  budget  deficit  balance  sheet  current  account  deficit  trade  deficit  borderless  flat  world  globalisation  globalization  debt  servitude  debtoverhang  student  loan  debt  private  debt  sovereign  debt  corporate  debt  student  debt  student  loan  Maintenance  Grant  Education  Maintenance  Allowance  ZIRP  NIRP  QE  distortion  BOE  Buy-to-Let  Help  to  Buy  Scheme 
january 2016 by asterisk2a
Börsenabsturz in China: Der Kontrollverlust - Kommentar - SPIEGEL ONLINE
Der Börsen-Crash in China ist Symptom eines fundamentalen Wandels: Um den Wohlstand zu erhalten, muss die Regierung immer mehr Kontrolle abgeben. Die Allmacht der kommunistischen Partei gerät ins Wanken.
China  economic  history  SRD  Yuan  macroeconomic  policy  microeconomic  policy  corruption  bribery  regulation  regulators  liberal  economic  reform  economic  refugee  inequality  IMF  AIIB  World  Bank  Hegemony  PBOC  Gini  coefficient  social  safety  net  Services  Public  Services  discretionary  spending  disposable  income  pension  scheme  pension  pension  fund  asset  allocation  capital  allocation  ZIRP  NIRP  QE  credit  bubble  QT  monetary  policy  fiscal  policy  shadow  banking  NPL  2015  2016  shadow  economy  demographic  bubble 
january 2016 by asterisk2a
Storm Frank: What have we done to make the flooding worse? - BBC News
[Strom Eva, Desmond, Frank, ... building code has to be reviewed. new buildings have to be raised, first floor ~1m above ground. no basement. also, roofs have to resist gale winds easily ] Policy-makers are often keen to see brownfield land used for residential development, but these areas are often most vulnerable to flooding. Demand from buyers has fuelled this growth, too. You might assume that there would be huge drops in property prices after highly publicised floods. But in places like Tewkesbury, Gloucestershire, and Cockermouth, Cumbria, which experienced heavy flooding in 2007 and 2009 respectively, prices have remained largely unaffected in the long run. [...] "We've tended to straighten rivers, to canalise them, to embank them and all that rushes the water down to the nearby urban pinch point," explains environmentalist and writer George Monbiot, adding that the flow of water should be slowed down and the rivers lengthened instead.
flash  floods  flooding  UK  extreme  weather  weather  extreme  2015  Policy  Makers  Public  Policy  Career  Politicians  No  Representation  COP21  environmental  disaster  ecological  disaster  soil  erosion  economic  damage  sentiment  perception  awareness  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  opinion  debate  exploitation  austerity  Tories  short-termism  Conservative  Party  nasty  David  Cameron  George  Osborne  Amber  Rudd  energy  EPA 
january 2016 by asterisk2a
UK floods: 'This could be the end for our business' - BBC News
[ Desmond hit Cumbria and Co. ] [Storm Eva hit Manchester, York, Lancashire region and Co plus Cumbria again. ] [ Storm Frank, Scotland bore the brunt, even Franks eye wasn't even near British Isles ] He told the BBC the firm had not been able to get flood insurance due to its proximity to the water and he now felt "this could be the end" of the business. //&! Manchester City Centre - bbc.in/1Tst39u - &! River Ouse - bbc.in/1JMkS2i //&! Communities along River Ouse - bbc.in/1PzzBnP //&! Clean-up and Frank - bbc.in/22B2o0t & Frank@Scottish Borders - bbc.in/22B2C7O //&! UK floods: David Cameron pledges £280m for Yorkshire flood defences - bbc.in/1PzRjWh - Bellwin scheme adds to budget deficit - https://en.wikipedia.org/wiki/Bellwin_scheme //&! York's efforts to prevent flooding - bbc.in/1Ji7Gr8 //&! Cumbria region flooded three times - bbc.in/1YRW7xW //&! Roads washed away - bbc.in/1R24aEb A93 Scotland, Storm Frank. &! bbc.in/1NV0Qa0 Royal visit to Ballater &! bbc.in/1Tsutkw
economic  damage  insurance  premium  insurance  flash  floods  flooding  extreme  weather  weather  extreme  UK  2015  global  warming  climate  change  COP21  carbonfootprint  carbon  tax  carbon  trading  scheme  carbonemission  EPA  prevention 
december 2015 by asterisk2a
UK floods: Storm Frank threatens more misery - BBC News
A fresh storm threatens to bring more misery to parts of the UK, including areas already hit by severe flooding. Storm Frank is due to sweep in from Tuesday evening, with Cumbria and south and central Scotland at most risk. There are nine severe flood warnings - meaning "danger to life" - in England and Wales, mostly centred on York which was badly hit by flooding on Saturday. David Cameron has defended government spending on flood defences after the devastation across northern England. Floods minister Rory Stewart told the Today programme that the government was open to the idea of an external review being held. The Environment Agency said on Monday there would have to be a "complete rethink" of flood defences. December has seen communities in Cumbria, Lancashire, Greater Manchester and Yorkshire swamped by rising waters. Storm Frank poses a new threat in the wake of what Storm Eva brought over the Christmas weekend. [...] costs could exceed £1.5bn. [ Eva, Desmond, Frank ]
UK  flash  floods  flooding  extreme  weather  weather  extreme  climate  change  El  Nino  global  warming  ocean  warming  economic  damage  Tories  nasty  party  Policy  Makers  energy  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  recycling  zombie  consumer  materialism  status  anxiety  Livestock  farming  food  industry  Meat  budget  deficit  austerity  David  Cameron  George  Osborne  Amber  Rudd  Conservative  environmental  disaster  pollution  2015  prevention  COP21 
december 2015 by asterisk2a
Warning: your festive meal could be more damaging than a long-haul flight | George Monbiot | Opinion | The Guardian
http://www.theguardian.com/environment/meat-industry - A kilogramme of beef protein reared on a British hill farm can generate the equivalent of 643kg of carbon dioxide. A kilogramme of lamb protein produced in the same place can generate 749kg. One kilo of protein from either source, in other words, causes more greenhouse gas emissions than a passenger flying from London to New York. //&! http://www.theguardian.com/environment/2015/jun/23/eat-less-red-meat-and-cycle-more-for-your-and-the-planets-health // [...] I’m not suggesting that you eat no meat or other animal products. I am suggesting that we should all eat far less. Save the splurge for Christmas. And even then, choose carefully. [ Reductarian ]
Meat  Industry  COP21  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  methane  Poultry  Industry  Fish  Industry  Egg  Industry  Milk  Industry  Dairy  Industry  pollution  deforestation  soil  erosion  Livestock  farming  Factory  Industrial  Amazonas  water  pollution  ecological  disaster  environmental  disaster  food  Positioning  PR  spin  doctor  animal  welfare  animal  rights  animal  cruelty  water  scarcity  water  supply  water  security  drinking  water  water  rights  conglomerate  Wall  Street  profit  maximisation  shareholder  value  vested  interest  interest  groups  climate  change  global  warming  climate  crisis  extreme  weather  weather  extreme  economic  damage  Nitrate  antibiotics  antibiotic  resistance  post-antibiotic  era  inefficiencies  superbug  agriculture  Chemical  Industry  pharmaceutical  pharma  big  pharma  lobbyist  lobby  Lobbying  Petroleum  Industry  fossil  fuel  revolving  door  public  sentiment  bottom  up  public  awareness  public  perception  public  image  public  opinion  public  health  policy  public  safety  public  health  sick  population  diet-related  disease  chronic  diseases  health  crisis  prevention 
december 2015 by asterisk2a
'Almost too late': fears of global superbug crisis in wake of antibiotic misuse | Society | The Guardian
Despite European Union regulations aiming to cut back on the unnecessary use of antibiotics, Dr Brown believes it will take more than just legislation to tackle the superbug crisis. Market forces will need to be compelled to cut usage, perhaps when prompted by a shift in public opinion, he said. “Those with a vested interest find ways around legislation. So, in addition to public policy we will need also the power of market forces,” he added. “When the public start demanding meat that has not seen antibiotics - because they understand that the meat may contain antibiotic resistant bacteria - only then will real progress be made. We need education about the threat.”
antibiotics  antibiotic  resistance  post-antibiotic  era  superbug  MCR-1  Colistin  E.  coli  food  poisoning  food  borne  illness  EHEC  Salmonella  Campylobacter  Listeria  MRSA  Hospital-acquired  infection  ESBL  tuberculosis  public  sentiment  food  industry  public  awareness  public  perception  public  image  PR  livestock  farming  Meat  Poultry  Fish  public  relations  public  safety  public  health  policy  public  health  Milk  Dairy  Egg  conglomerate  lobbyist  lobby  Lobbying  revolving  door  self-regulation  regulation  regulators  No  Representation  Career  Politicians  epidemic  pandemic  WHO  economic  damage  accountability  oversight  white-collar  crime  Industrial  Factory  animal  rights  animal  cruelty  animal  welfare  COP21  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  climate  change  global  warming  climate  science  climate  crisis  extreme  weather  weather  extreme  mass  extinction  humanity  democracy  interest  groups  vested  interest  Wall  Street  profit  maximisation  shareholder  value  crony  capitalism  capitalism 
december 2015 by asterisk2a
Literatur ǀ Kapitalismus oder Klima? — der Freitag
Literatur Der Politologe Athanasios Karathanassis erklärt in seinem Buch, warum man über Kapitalismus nicht schweigen kann, wenn es um Umwelt geht [...] Kapitalistische Naturverhältnisse, Ursachen von Naturzerstörungen Begründungen einer Postwachstumsökonomie Athanasios Karathanassis
COP21  climate  change  global  warming  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  crony  capitalism  capitalism  profit  maximisation  shareholder  value  short-termism  self-regulation  regulation  regulators  ecological  disaster  environmental  disaster  soil  erosion  food  industry  Meat  Dairy  economic  damage  extreme  weather  weather  extreme  economic  history  economic  model  shared  economic  interest  economic  growth  Greed 
december 2015 by asterisk2a
Privatisation of Green Investment Bank could 'damage its reputation' - BBC News
The UK's "green" bank should not be privatised unless the government can ensure it keeps its environmental purposes, a committee of MPs has said. In June Business Secretary Sajid Javid announced plans to part-privatise Green Investment Bank (GIB). But the House of Commons Environmental Audit Committee warned this could cause the bank to lose its "green identity". This could "damage its reputation" and "undermine its leadership role in the green economy", the committee said. [...] The bank's projects are required to make a contribution to one of the its five "green purposes": reducing greenhouse gas emissions, increasing the efficiency of the use of natural products, protecting the natural environment or biodiversity and promoting environmental sustainability. But the projects are also required to provide market-based commercial returns. [...] Environmental Audit Committee argued privatisation could encourage the bank to shift its focus towards more conventional projects
UK  austerity  green  energy  energy  policy  energy  price  COP21  Privatisation  energy  security  wind-energy  renewable  energy  wind  energy  solar  energy  budget2015  George  Osborne  subsidies  subsidizing  carbon  tax  carbon  trading  scheme  carbonfootprint  carbonemission  David  Cameron  EEG  Umlage  fossil  fuel  corporate  welfare  underinvestment  public  investment  infrastructure  investment  STEM  Smart  Grid  competitive  competitiveness 
december 2015 by asterisk2a
The end of life tenancies for council houses will be a costly mistake | Deborah Orr | Opinion | The Guardian
The Conservatives believe fear is a great motivator. You’ll work harder if you fear losing your job. (Although job insecurity doesn’t seem to have done much to improve UK productivity.) You’ll get a job if you fear losing your benefits. (Or maybe kill yourself.) And so on. [...] Many people have given up on the idea of equal security, but see equal insecurity as an achievable goal. This kind of perverse, negative “socialism” is something that the Tories are good at exploiting. [...] This current generation of young adults, on the whole, can neither buy a home nor get council tenancies. Private landlords rule the roost once more. //&! bit.ly/1Y4LLVO
DWP  Tories  Housing  Crisis  social  affordable  nasty  party  Toff  Privileged  trickle-down  economics  neoliberalism  neoliberal  Establishment  budget2015  Privatisation  Right  to  Buy  Buy-to-Let  Help  to  Buy  Scheme  inequality  Gini  coefficient  property  rights  UK  democracy  dogma  ideology  social  democracy  George  Osborne  Manifesto  austerity  general  election  2015  constituency  babyboomers  Generationengerechtigkeit  generation  rent  election  campaign  promises 
december 2015 by asterisk2a
German plasma success raises nuclear fusion hopes - BBC News
A German nuclear fusion experiment has produced a special super-hot gas which scientists hope will eventually lead to clean, cheap energy. [...] Physicists are in a worldwide race to create stable fusion devices that could not only mimic the Sun but release abundant energy, without the volumes of toxic waste generated by nuclear fission - the splitting of the atom. [...] The project began nine years ago and has cost 1bn euros (£720m; $1.1bn) so far. The EU's main nuclear fusion project is called Iter, at Cadarache, in the south of France. But it will not be fired up until the 2020s. It is controversial, having already cost more than €10bn. [...] Scientists have been working on nuclear fusion for more than 50 years but the extreme temperatures involved and the difficulty of controlling plasmas mean progress is slow.
nuclear  fusion  nuclear  power  science  renewable  energy  underinvestment  carbonemission  carbonfootprint  carbon  tax  fossil  fuel  corporate  welfare  carbon  trading  scheme  energy  price  energy  policy  industrial  policy  STEM 
december 2015 by asterisk2a
UK Floods: Stories from the devastation in Cumbria - BBC News
Storm Desmond. // people can't seem to make the long-term connection or even imagine that it will get worse and worse and worse. their actions. and what is happening again and again and again. it's like an addict who take it as granted sleeping rough, beschaffungskirminalitaet, ... and what comes with it. //&! bit.ly/1TG4Jkf //&! Floods bring people together, but they also wash away trust. - If I were David Cameron, I would fast-track flood defences ahead of HS2, and say: ‘These are the people’s priorities – I get it’ - bit.ly/1OVkqop
climate  change  global  warming  climate  crisis  extreme  weather  weather  extreme  flash  floods  flooding  UK  economic  damage  COP21  hypocrisy  energy  policy  carbon  tax  carbonfootprint  carbon  trading  scheme  carbonemission  methane  food  industry  Wall  Street  crony  capitalism  capitalism  profit  maximisation  shareholder  value  Meat  livestock  farming  COP15  Generationengerechtigkeit  insurance  premium  insurance 
december 2015 by asterisk2a
Arnold Schwarzenegger: Stop Eating Meat and Save the Planet - YouTube
51% of greenhouse gases = livestock farming // animal product would have to have one a health tax and two a carbon tax (like sports cars) // Was capitalism ever generous, responsible, conscious and sustainable? //&! 25% of land use -https://youtu.be/o0aJet5EVmM- and human waste is highly regulated - sewer, not so animal waste.
COP21  livestock  farming  methane  carbon  dioxide  deforestation  soil  erosion  antibiotics  antibiotic  resistance  post-antibiotic  era  climate  crisis  global  warming  climate  change  food  industry  lobbyist  lobby  Lobbying  medical  profession  medical  research  medical  care  prevention  intervention  carbon  tax  carbonfootprint  sustainability  sustainable  Meat  carbon  trading  scheme  carbonemission  public  perception  public  awareness  Policy  Makers  Generationengerechtigkeit  public  health  health  COP15  fossil  fuel  interest  groups  vested  interest  Wall  Street  shareholder  value  profit  maximisation  bottom  up  crony  capitalism  capitalism  ecological  disaster  environmental  disaster  self-regulation  regulation  regulators 
december 2015 by asterisk2a
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