asterisk2a + precarious + code + creation   25

Budget 2016 shows Osborne's failure on debt, surplus, GDP
// higher in-work poverty
budget2015  budget2016  budget2010  general  election  2010  general  election  2015  PR  spin  doctor  economic  history  Positioning  Richard  Koo  austerity  underinvestment  dogma  ideology  policy  folly  policy  error  George  Osborne  David  Cameron  nasty  party  Iain  Duncan  Smith  corporate  tax  rate  corporate  welfare  corporate  subsidies  tax  evasion  tax  avoidance  Google  Inc.  shareholder  capitalism  bank  bailout  budget  deficit  Tories  Conservative  secular  stagnation  aggregate  demand  babyboomers  ageing  population  Northern  Powerhouse  triple-lock  pension  pension  obligation  Generationengerechtigkeit  fairness  Generation  Rent  property  bubble  Service  Sector  Jobs  job  creation  squeezed  middle  class  working  poor  precarious  work  tax  credit  wage  stagnation  productivity  output  gap  Gini  coefficient  income  tax  receipts  tax  code  Zero  Hour  Contract  part-time  underemployment  underemployed  low  pay  low  income  BOE  ZIRP  NIRP  QE  consumer  debt  household  debt  credit  card  debt  election  campaign  promises  car  loan  student  debt  discretionary  spending  disposable  income  child  poverty  Food  poverty  tax  credit  Privatisation  Council  Public  Services  Social  Services  bed  blocking  education  policy  skills  gap  Academy  underinvestment  NHS 
march 2016 by asterisk2a
House of Lords votes to keep income-related child poverty measures | Society | The Guardian
[ trying to redefine poverty! ] Iain Duncan Smith, the work and pensions secretary, announced the proposals in July, prompting dismay among child poverty charities. He said the government would scrap its measurement of child poverty and the aim to eradicate it by 2020, while replacing it with a new duty to report levels of educational attainment, worklessness and addiction. Under his plans, the old measurement, based on the percentage of households with below-average income, would continue to be published as a government statistic but would no longer be seen as a target. However, peers voted by 290 to 198 to keep the targets, in a move to prompt the House of Commons to think again. [...] [ TRICKLE-DOWN! ] David Freud, the welfare minister, opposed the amendment on behalf of the government, saying “life chances” indicators were a better way of monitoring what was happening and of directing resources most effectively to tackle the problem.
Iain  Duncan  Smith  child  poverty  poverty  David  Cameron  George  Osborne  nasty  party  Conservative  Tories  DWP  tax  credit  working  poor  precarious  work  Precariat  education  policy  deprivation  attainment  gap  post  code  lottery  general  election  2015  Manifesto  constituency  Funding  long-term  unemployment  youth  unemployment  structural  unemployment  Toff  Westminster  Whitehall  Establishment  Privileged  ESA  vulnerable  Disabled  disability  No  Representation  austerity  Council  Social  Services  Public  Services  child  tax  credit  working  tax  credit  Zero  Hour  Contract  Contractor  low  pay  low  income  minimum  wage  apprenticeships  trickle-down  economics  neoliberalism  neoliberal  self-employment  Gini  coefficient  mobility  downward  mobility  income  mobility  recovery  job  creation  squeezed  middle  class  secular  stagnation  budget2015  budget2016 
march 2016 by asterisk2a
BBC News on the North South Divide with Tom Hunt - YouTube
multiplier effect of service sector job = 1 or lower. meaning need to access tax credits. //&! Northern Powerhouse dept to close Sheffield office and move 247 jobs to London. - Government business department shuts largest non-London office George Osborne’s ‘northern powerhouse’ policy questioned as branch closure in Sheffield casts doubt on chancellor’s pledge to revitalise English cities - bit.ly/1PDlgSA // also northern councils have to cut deeper than souther because of lower tax base!
Northern  Powerhouse  UK  Scotland  Westminster  London  George  Osborne  Devolution  job  creation  Service  Sector  Jobs  microeconomic  policy  macroeconomic  policy  knowledge  economy  knowledge  worker  transferring-wealth  transfer  payments  income  distribution  income  redistribution  low  income  low  pay  precarious  work  Precariat  part-time  recovery  GFC  Manufacturing  STEM  productivity  output  gap  macroeconomics  microeconomics  nasty  party  Conservative  David  Cameron  Toff  Establishment  post  code  lottery  health  inequality  inequality  Gini  coefficient  social  mobility  income  mobility  wealth  distribution  Privileged  education  policy  apprenticeships  vocational  education  austerity  Council  Public  Services  Services  SNP  Scotland  Bill  Fiscal  Framework  fairness  Generationengerechtigkeit  structural  unemployment  PR  spin  doctor  Positioning 
january 2016 by asterisk2a
Aberdeen and Edinburgh highlighted in city economies report - BBC News
No Scottish cities were in the top 10 for "low-wage, high-welfare" economies. The 2016 report - described as a "health check" for the 63 largest UK cities - focused on Chancellor George Osborne's vow to build a "higher wage, lower welfare" economy, as set out in the Summer Budget 2015. >> It argued that nearly a million new jobs had been created in cities since 2010 - but that the average salary had also dropped by £1,300 per resident. 'High-wage, low-welfare' << [...] The think tank said the two areas' ability to attract high-skilled jobs - in the oil and professional services industries for example - was the key to their success. It argued that cities with high wages had seen faster jobs growth, with employment rising by 10% since 2010, compared with 3% in low-wage cities. [...] [ Housing Crisis across the country thus ] increased housing benefit payments.
job  creation  recovery  Service  Sector  Jobs  UK  austerity  minimum  wage  living  wage  George  Osborne  neoliberalism  neoliberal  Manufacturing  macroeconomic  policy  microeconomic  policy  low  pay  low  income  tax  credit  child  tax  credit  working  tax  credit  tax  free  income  progressive  tax  code  income  distribution  disposable  income  discretionary  spending  income  inequality  income  growth  wage  growth  secular  stagnation  globalization  globalisation  borderless  flat  world  economic  history  nasty  party  Tories  Conservative  trickle-down  economics  squeezed  middle  class  precarious  work  Precariat  wage  stagnation  income  redistribution  welfare  state  social  safety  net  David  Cameron  budget2015  budget2010  Public  Services  Services  added  value  value  creation  Housing  Crisis  affordable  social 
january 2016 by asterisk2a
Housing crisis hits 1960s levels as tenants battle to cope, says Shelter | Society | The Guardian
Shelter estimates that 250,000 homes a year, half of them “affordable”, need to be built in England if the crisis is to be addressed. However, latest figures show there were only 135,050 new homes over the past year, a rise of 17%, but still little more than half what is needed. [...] Figures released last week suggest that the number of tenants in serious arrears is rising. There were 84,200 tenants more than two months behind with their rent in the third quarter of 2015, the latest figures available, compared with 74,000 in the second quarter. Government statistics show that the use of bed and breakfast accommodation for homeless families with children is rising. Over the past five years, the number of households living in B&Bs has more than doubled, from 2,050 to 5,270. Meanwhile, the number of homeless households in temporary accommodation has risen by 26% over five years, from 51,350 in 2010 to 64,710 in 2015.
UK  Housing  Crisis  affordable  social  poverty  poverty  trap  disposable  income  discretionary  spending  precarious  work  Precariat  Zero  Hour  Contract  working  poor  low  income  minimum  wage  Gini  coefficient  austerity  David  Cameron  George  Osborne  underinvestment  unemployment  long-term  unemployment  youth  unemployment  structural  unemployment  job  creation  Service  Sector  Jobs  working  tax  credit  tax  credit  child  tax  credit  tax  free  income  Privatisation  Council  inequality  income  inequality  post  code  lottery  health  inequality  commuting  social  safety  net  DWP  Iain  Duncan  Smith  bedroom  tax 
january 2016 by asterisk2a
Tax credits: SNP and Conservative MPs clash over government cuts - YouTube
Natalie McGarry, the SNP's shadow disabilities spokesperson, and Conservative MP Chris Philp, a member of the Treasury Select Committee, debate the government's tax credit cuts.
tax  credit  child  tax  credit  working  tax  credit  Tories  Conservative  Party  nasty  child  poverty  poverty  poverty  trap  food  poverty  dogma  ideology  general  election  2015  election  campaign  promises  welfare  state  corporate  welfare  tax  avoidance  tax  evasion  fairness  crony  capitalism  capitalism  income  distribution  income  redistribution  marginal  propensity  to  consume  austerity  democracy  Career  Politicians  No  Representation  social  contract  SNP  Devolution  bedroom  tax  class  warfare  low  pay  job  creation  skills  gap  Gini  coefficient  income  mobility  social  mobility  social  safety  net  Westminster  education  policy  post  code  lottery  deprivation  Perspective  Perspektivlosigkeit  recovery  job  market  labour  market  labour  economics  Service  Sector  Jobs  Niedriglohnsektor  precarious  work  Precariat  general  election  2020  working  poor  secular  stagnation  wage  stagnation  wage  growth  minimum  wage  income  growth  low  income  Sozialer  Abstieg  kalte  Progression  coldprogression  2015  productivity  output  gap  George  Osborne  David  Cameron  DWP  vulnerable  Disabled  NHS  Police  Services  Public  Services  GFC  bank  bailout  budget  deficit  corporate  tax  rate  subsidies  subsidizing  short-term  constituency 
october 2015 by asterisk2a
More jobs paying below living wage - BBC News
'Prevalent' low pay The ONS figures show that the proportion of jobs paying below the living wage has grown. In 2014, young adults were most likely to be paid less than the living wage. Some 58% of jobs carried out by 18 to 24-year-olds outside of London and 48% of jobs in this age group in London were paid less than the living wage. In accommodation and food services in 2014, an estimated 65% of jobs paid less than the living wage in London and 70% in the rest of the UK. Northern Ireland had 29% of jobs paying below the living wage, the highest in the country. At the other end of the scale, 19% of jobs in the South East of England, London and Scotland paid below the living wage. [...] "These figures demonstrate that while the economy may be recovering as a whole, there is a real problem with ensuring everyone benefits, and low pay in still prevalent in Britain today."
Niedriglohnsektor  job  creation  job  market  Lohnzurückhaltung  lohndumping  low  income  Service  Sector  Jobs  working  poor  precarious  work  Precariat  Zero  Hour  Contract  Contractor  self-employment  labour  market  labour  economics  recovery  UK  disposable  income  discretionary  spending  job  security  poverty  trap  child  poverty  food  poverty  poverty  Gini  coefficient  social  mobility  income  mobility  income  distribution  income  inequality  income  redistribution  budget2015  child  tax  credit  tax  credit  working  tax  credit  tax  free  income  minimum  wage  living  wage  Education  Maintenance  Allowance  Student  Maintenance  Grant  Higher  Education  policy  post  code  lottery  vocational  professional  career  ladder  austerity  George  Osborne  2015  dogma  ideology  Tories  neoliberalism  neoliberal  Conservative  Party  PR  spin  doctor  reframing  framing  Positioning  David  Cameron  Iain  Duncan  Smith  DWP 
october 2015 by asterisk2a
The Billionaire Hypocrisy of Helping the Poor - YouTube
We're reminded every day of the kindness of the billionaire class - and the millions they spend on charity in American and around the world. But the fact is - Americans wouldn't need the charity - if they just had good-paying jobs.
trickle-down  economics  neoliberalism  neoliberal  job  creation  labour  market  USA  Gini  coefficient  tax  code  corporate  tax  rate  tax  evasion  tax  avoidance  Wall  Street  globalization  globalisation  free  trade  Service  Sector  Jobs  conglomerate  competitiveness  competition  competitive  wage  stagnation  income  growth  Middle  Class  squeezed  Sozialer  Abstieg  income  distribution  disposable  income  discretionary  spending  inequality  American  Dream  NAFTA  TTIP  TPP  philanthropy  TISA  Super  Rich  1%  Niedriglohnsektor  job  security  social  mobility  income  mobility  economic  history  Union  Workers  Union  self-regulation  regulation  deregulation  regulators  lobbyist  profit  maximisation  shareholder  value  lobby  Lobbying  income  inequality  welfare  state  social  safety  net  precarious  work  Precariat  working  poor  outsourcing  Manufacturing  China  Gesellschaft  society  Policy  Makers  Zero  Hour  Contract  part-time  underemployed  unemployment  long-term  unemployment  youth  unemployment  structural  unemployment  secular  stagnation  Niall  Ferguson 
october 2015 by asterisk2a
Number of workers on zero-hours contracts up by 19% | UK news | The Guardian
Office for National Statistics says number of people reporting that they work on contracts with no minimum hours has risen to 744,000 [...] “The effect of zero-hours contracts on market behaviour and outcomes is thus likely to be greater than their incidence might suggest.” He also said that more employers would stop offering full-time permanent contracts to avoid paying the steep rise in the national living wage for the over-25s that comes into force next April. “In an otherwise very lightly regulated UK labour market the forthcoming large hike in the minimum wage when the national living wage (NVL) is introduced next year might act as a further incentive to employers to increase their use of zero-hours contracts – which are already very prevalent in sectors where the NVL will bite hardest - in order to minimise the impact on total labour costs.” [ study shows ppl are worse of, much more worse off ] &! Zero-hours contracts offered to 'a quarter of all unemployed' - bit.ly/1Nn9yiT
UK  working  poor  tax  credit  child  tax  credit  working  tax  credit  tax  code  Zero  Hour  Contract  Contractor  precarious  work  Precariat  labour  market  neoliberalism  neoliberal  deregulation  Wall  Street  on-demand  Marketplace  shareholder  value  profit  maximisation  living  wage  national  living  wage  minimum  wage  budget2015  George  Osborne  Tories  Toff  Privileged  Establishment  Conservative  Party  austerity  fairness  Generationengerechtigkeit  job  creation  labour  economics  manual  labour  Service  Sector  Jobs  Services  Industry  economy  recovery  disposable  income  discretionary  spending  exploitation  poverty  trap  child  poverty  poverty  food  poverty  2015  wage  stagnation  wage  growth  secular  stagnation  deflationary  deflation  squeezed  middle  class  Sozialer  Abstieg  income  mobility  social  mobility  Gini  coefficient  GFC  part-time  underemployed  globalization  globalisation  self-regulation  lobbyist  lobby  Lobbying  regulation  regulators  Workers  Union  insecurity  uncertainty 
september 2015 by asterisk2a
Paul Mason: what they aren't telling you about work - YouTube
hollowing out // automation - vs - skill & problem solving (figuring out how to automate/put something together/create new) - vs - end of the chain work (low end, manual, repetitive, service...) // within the next 20 years, 47% of jobs in developed world could be replaced by robots/automation/machines // Future of Work is about problem solving, not putting (end of the chain) things together. figuring out the new, making the new, making something better, more efficient, faster, better quality, ... // and as it stands now, those who reap the rewards will be few. and gov policy, ie tax evasion, tax avoidance, tax code, fairness, --- gains have to be shared.
squeezed  middle  class  White-collar  Worker  Blue-collar  Worker  manual  labour  labour  market  job  creation  skill-biased  technological  change  practical  skill  set  practical  skills  skill  gap  capital  skills  skills  gap  automation  Robotics  working  poor  Software  Is  Eating  The  World  3D  printing  Manufacturing  industrial  policy  UK  USA  Europe  developed  western  Future  of  Work  knowledge  economy  Problem  Solving  Mobile  Creatives  Mobile  Creative  domain  knowledge  knowledge  algorithm  precarious  Zero  Hour  Contract  Contractor  self-employment  insecurity  job  security  technological  progress  STEM  Makers  protectionism  Research  Revolution  2.0  Revolution  Universal  Basic  Income  tax  credit  tax  free  economics  of  abundance  marginal  cost  renewable  energy  Marketplace  destruction  creator  innovator  innovation  entrepreneurial  entrepreneurship  entrepreneur  Precariat  Share  post-capitalism  Super  Rich  1%  inequality  mobility  social  mobility  rapid  change  generational  change  tax  code  capital  gains  tax  growth  wage  stagnation  secular  stagnation  productivity  output  gap  shared  economic  interest  Wall  Street  exploitation  shareholder  value  profit  maximisation  fairness  Generationengerechtigkeit  Gesellschaft  identity  status  status  social  status  social  an 
august 2015 by asterisk2a
Will Advances in Technology Create a Jobless Future? | MIT Technology Review
Who Will Own the Robots? - We’re in the midst of a jobs crisis, and rapid advances in AI and other technologies may be one culprit. How can we get better at sharing the wealth that technology creates? // BY MARTIN FORD - The Great Divide: Unequal Societies and What We Can Do About Them BY JOSEPH E. STIGLITZ &! Inequality: What Can Be Done? BY ANTHONY B. ATKINSON &! The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant Technologies BY ERIK BRYNJOLFSSON AND ANDREW MCAFEE // &! Paul Krugman - “A lot of what’s happening [in income inequality] is not just the gods of technology telling us what must happen but is in fact [due to] social constructs that could be different.” - gov policy, corporate policy (ie 4-day work week and 6-hour days because productivity and profit margin do allow for that, and more brings diminished returns etc etc but will that go down well with Wall Street?)
Universal  Basic  Income  tax  evasion  tax  avoidance  crony  capitalism  shared  economic  interest  AI  Software  Is  Eating  The  World  marketplace  efficiencies  mobile  homescreen  mobile  phone  commodity  business  commoditization  Service  Sector  Jobs  Niedriglohnsektor  Future  of  Work  Creatives  Creative  skill-biased  technological  change  skills  gap  skill  mismatch  education  policy  Makers  4-day  week  6-hour  day  productivity  output  gap  secular  stagnation  squeezed  middle  class  working  poor  precarious  1099  Economy  Gig  Economy  self-employment  Zero  Hour  Contract  Contractor  on-demand  convenience  outsourcing  job  creation  job  market  labour  economics  labour  market  neoliberalism  neoliberal  Wall  Street  profit  maximisation  shareholder  value  capitalism  inequality  capital  gains  1%  Super  Rich  meritocracy  meritocratic  tax  code  tax  tax  free  welfare  state  tax  credit  Public  Services  Social  Services  austerity  dogma  manufactured  consent  propaganda  populism  lobbyist  lobby  Lobbying  PR  spin  doctor  Robotics  3D  printing  Manufacturing  STEM  industrial  policy  automation  self-driving  cars  autonomous  car  marginal  cost  economics  of  abundance  safety  net  Gini  inequality  technological  technological  labour  capital 
august 2015 by asterisk2a
Why we Polish are downing tools to get the recognition we deserve | John Zylinski | Comment is free | The Guardian
[ Tories and Co pit them, us all, against each other ]
immigrants  immigration  scape  goat  smoke  mirror  David  Cameron  UKIP  Nigel  Farage  George  Osborne  DWP  Iain  Duncan  Smith  austerity  UK  Service  Sector  Jobs  job  market  job  creation  Sozialer  Abstieg  squeezed  middle  class  Niedriglohn  Niedriglohnsektor  Lohnzurückhaltung  lohndumping  labour  market  Workers  Union  Zeitarbeit  Leiharbeit  economic  history  industrial  policy  STEM  Manufacturing  manufactured  consent  propaganda  populism  Career  Politicians  No  Representation  short-term  thinking  short-term  view  national  interest  Xenophobia  racism  Tories  Conservative  Party  policy  folly  policy  error  Makers  social  contract  social  cohesion  social  tension  welfare  state  neoliberalism  neoliberal  babyboomers  Generationengerechtigkeit  skills  gap  skill-biased  technological  change  globalisation  globalization  borderless  flat  world  competitive  competitiveness  competition  London  economies  of  agglomeration  Westminster  SNP  Scotland  Wales  Northern  Ireland  progressive  coldprogression  kalte  Progression  financial  repression  bank  bailout  bailout  zombie  banks  GFC  recovery  political  theory  precarious  work  social  policy  Party  workin 
august 2015 by asterisk2a
Empire of the geeks | The Economist
Silicon Valley should be celebrated. But its insularity risks a backlash [...] Critics are often from industries wanting to protect their privileges; the geeks’ aggressive behaviour is sometimes part of the creative destruction that leads to progress. But that is not the only source of anger. Silicon Valley also dominates markets, sucks out the value contained in personal data, and erects business models that make money partly by avoiding taxes. There is a risk that global consumers will feel exploited and that the effects of a shrinking tax base will infuriate voters. If the perception takes root that enormous profits from exploiting data and avoiding taxes are crystallised in the fortunes of a few people living on a patch of ground near San Francisco, then there will be a backlash." // recent emergence of marketplace for X and gig platform for X - 1099 Economy etc etc, making money with our data - Facebook.
Silicon  Valley  irrational  exuberance  hubris  creative  destruction  shared  economic  interest  crony  capitalism  Wall  Street  shareholder  value  profit  maximisation  tax  evasion  tax  avoidance  exploitation  business  model  corporate  values  Universal  Basic  Income  Software  Is  Eating  The  World  Future  of  Work  Mobile  Creatives  Mobile  automation  marketplace  marketplace  efficiencies  commodity  business  commoditization  Robotics  autonomous  car  self-driving  cars  augmented  intelligence  Big  Data  machine  learning  deep  learning  artificial  intelligence  labour  market  job  creation  labour  economics  job  market  working  poor  squeezed  middle  class  Sozialer  Abstieg  neoliberalism  neoliberal  liberal  economic  reform  precarious  Precariat  poverty  trap  education  policy  vocational  education  social  mobility  Gini  coefficient  growth  mobility  capital  gains  tax  code  fairness  social  cohesion  social  tension  Gesellschaft  society  downward  mobility  gender  inequality  technological  history  Niedriglohnsektor  lohndumping  Service  Sector  Jobs  Lohnzurückhaltung  minimum  wage  living  wage  uncertainty  job  security 
july 2015 by asterisk2a
Yellen: There's Still Slack in Labor Markets - YouTube
>> signs that a debt fuelled recovery doesn't fix the long standing (since 90's 2000's post dot.com) underlying fundamentals of an economy. // low wage low productivity jobs especially part-time and minimum wage - doe not have an economic multiplier as a whole, they cost the economy or are at least net-net 0. // it is the same in UK. and signs show in Germany as well. // &! subprime was one of many predatory lending practices to financial illiterate ppl and exploitation of the underbanked/unbanked, and banks also choose to charge minorities higher interest rates - youtu.be/CbW9mH7p_8E + and add also practices of Payday Loans. Those things are a symptoms of the system at large. Resulting in the Poverty Trap.
USA  labour  economics  labour  market  participation  rate  skills  gap  underemployed  part-time  2015  education  policy  vocational  education  social  mobility  downward  mobility  self-employment  Gini  coefficient  squeezed  middle  class  long-term  unemployment  unemployment  youth  unemployment  employabilitie  employability  structural  unemployment  structural  imbalance  Impediments  secular  stagnation  output  gap  productivity  recovery  GFC  competitiveness  competitive  globalisation  globalization  borderless  flat  world  fiscal  policy  monetary  policy  debt  monetisation  debt  monetization  economic  history  infrastructure  investment  Makers  Career  Politicians  No  Representation  Sozialer  Abstieg  Niedriglohn  Niedriglohnsektor  Service  Sector  Jobs  Zeitarbeit  Leiharbeit  Zero  Hour  Contract  Contractor  precarious  work  Precariat  working  poor  economic  growth  trickle-down  economics  economic  damage  economic  model  shared  economic  interest  long-term  view  long-term  thinking  short-term  thinking  short-term  view  Opportunism  opportunist  policy  folly  policy  error  microeconomic  policy  job  creation  job  market  job  security  Minijob  Aufstocker  minimum  wage  living  wage  disposable  income  savings  rate  discretionary  spending  well  being  dot.com  UK  Lohnzurückhaltung  lohndumping  mindestlohn  wage  growth  wage  stagnation  inequality  income  inequality  income  mobility  capi 
july 2015 by asterisk2a
Joseph Stiglitz: It’s Time to Get Radical on Inequality - YouTube
Nobel laureate Stiglitz, author of The Price of Inequality and The Great Divide, studies the forces driving inequality and what is at stake if it continues. In his view, bad economic thinking deserves part of the blame — fanciful ideas like trickle-down and the notion that economists should try to increase the size of the economic pie and let the politicians worry about distribution. On the contrary, Stiglitz sees distribution as a problem economists must confront. He warns that an economic system that doesn’t raise standards of living for most Americans is a failure. [...] monopoly rent = too big to fail/tbtf (bailout) == cost to society/economic damage == where was antitrust!? monopolies are less productive & costly eventually in the long-term. rent exploitation through lobby! [...] this is bad for everyone, rising inequality, lower inequality is an econ multiplier // &! The Great Divide with Joseph Stiglitz and Robert Reich - youtu.be/e3aJxy9tA-w &! youtu.be/U-oEjFKCp00 NEET
inequality  income  inequality  gender  inequality  Gini  coefficient  social  mobility  downward  mobility  income  mobility  working  tax  credit  child  tax  credit  tax  code  capital  gains  fairness  income  distribution  capital  gains  tax  earned  income  tax  tax  avoidance  tax  evasion  corporate  tax  rate  tax  free  income  tax  credit  welfare  state  Public  Services  Services  austerity  trickle-down  economics  economic  model  economic  history  book  Privileged  progressive  kalte  Progression  coldprogression  wealth  distribution  academia  academics  neoliberal  neoliberalism  liberal  economic  reform  precarious  work  working  poor  poverty  trap  child  poverty  well  being  education  policy  vocational  education  skills  gap  paternity  leave  maternity  leave  gender-based  discrimination  gender  equality  Women  in  Tech  STEM  added  value  value  creation  shared  economic  interest  economic  damage  microeconomic  policy  economic  growth  disposable  income  discretionary  spending  Thomas  Piketty  Joseph  Stiglitz  josephstiglitz  Gesellschaft  social  tension  social  cohesion  society  uncertainty  insecurity  Career  Politicians  savings  rate  job  creation  labour  market  labour  economics  Lohnzurückhaltung  Niedriglohn  Niedriglohnsektor  Service  Sector  Jobs  minimum  wage  living  wage  Contractor  Zero  Hour  Contract  Leiharbeit  Zeitarbeit  exploitation  Wall  Street  profit  maximisation  shareholder  value  crony  interest  interest  capitalis 
july 2015 by asterisk2a
Davos 2015: Nouriel Roubini says Income Inequality Creates U.S. Plutocracy - YouTube
- shown hurting growth. US growth is dependent on consumer spending. stupid. hacking off the only leg one has is not smart. // established economic truth ! Paul Krugman: Inequality Actually Bad for Growth - youtu.be/cRMi8_M681U &! Paul Krugman & Tony Atkinson in Conversation | Inequality and Economic Growth - youtu.be/3l6E3mUNW70 &! &! What's Really Driving Income Inequality: Orszag - youtu.be/XJ_raBX7oq8 ( only added value jobs STEM - pays for work and shows wage growth, not so in service sector jobs. UK recovery showed it; lots of service sector job creation than any other type of job + Lohnzurueckhalting (no leverage to demand higher wage than just minimum wage or little above bc outside the door waits the one who will replace you) = no wage growth in the first couple of years of recovery and no productivity growth and persistent output gap (below potential) )
plutocracy  Gini  coefficient  income  mobility  social  mobility  American  Dream  inequality  income  inequality  squeezed  middle  class  economic  growth  USA  economic  history  wage  growth  UK  recovery  secular  stagnation  job  market  job  creation  labour  market  labour  economics  STEM  productivity  Lohnzurückhaltung  Niedriglohn  Niedriglohnsektor  Service  Sector  Jobs  precarious  work  Precariat  working  poor  job  security  Contractor  Zero  Hour  Contract  part-time  underemployed  skills  gap  Zeitarbeit  Leiharbeit  manual  labour  value  creation  added  value  knowledge  worker  Blue-collar  White-collar  minimum  wage  living  wage  disposable  income  discretionary  spending  industrial  policy  fiscal  policy  Higher  Education  policy  vocational  Sozialer  Abstieg  liberal  economic  reform  neoliberal  neoliberalism  trickle-down  economics  fiscal  stimulus  public  investment  competitiveness  competitive  infrastructure  investment  borderless  flat  world  globalisation  globalization  austerity  fairness  tax  evasion  tax  code  tax  avoidance  profit  maximisation  shareholder  value  Wall  Street  crony  capitalism  GFC  gender  inequality  poverty  trap  child  poverty  poverty  democracy  short-term  thinking  short-term  view  long-term  view  long-term  thinking  employability  lost  decade  lost  generation  youth  unemployment  Career  capitalism  Po 
july 2015 by asterisk2a
Helpling: Putzportal-Chef Franke über Preise und Festanstellungen - SPIEGEL ONLINE
Putzjob: Zwischen 8 und 9,50 Euro Stundenlohn verdienen "Helplinge" - minus Kosten für Rentenversicherung, Anfahrt, Arbeitskleidung --- Die Plattform Helpling vermittelt günstige Putzkräfte. Forciert sie nur die Ausbeutung von Tagelöhnern? Hier spricht Mitgründer Benedikt Franke über karge Stundenlöhne. [...] KarriereSPIEGEL: On-Demand-Plattformen verbrennen derzeit vor allem Geld. Ihr US-Konkurrent Homejoy soll pro Auftrag zwölf Dollar Verlust einfahren. Wird Helpling jemals profitabel arbeiten können? Franke: Unser Geschäft hängt ganz davon ab, ob es uns gelingt, langfristige Kundenbeziehung aufzubauen. Darauf konzentrieren wir uns derzeit, versuchen aus ganzer Kraft, das Kundenerlebnis zu optimieren. Operativ arbeiten wir bereits profitabel. [ LTV - user lifetime value got to be < than user acquisition cost = sustainable (if operation can be paid for and some little profit even) - en.wikipedia.org/wiki/Customer_lifetime_value ] - bit.ly/1NP6Ore "digitaler feudalismus"
Rocket  Internet  Helpling  on-demand  convenience  Share  Economy  self-employment  precarious  work  Precariat  working  poor  Niedriglohn  Niedriglohnsektor  Service  Sector  Jobs  1099  Economy  marketplace  efficiencies  marketplace  Uber  Contractor  Zero  Hour  Contract  labour  market  labour  economics  underemployed  employability  employabilitie  uncertainty  Sozialer  Abstieg  Aufstocker  minimum  wage  living  wage  commodity  business  commoditization  Universal  Basic  Income  working  tax  credit  child  tax  credit  tax  code  tax  free  Homejoy  Venture  Capital  user  acquisition  LTV  business  model  status  symbol  status  anxiety  socioeconomic  status  social  status  squeezed  middle  class  Soziale  Marktwirtschaft  class  warfare  job  creation  job  market  Minijob  Zeitarbeit  Leiharbeit  vocational  education  education  policy  added  value  value  creation 
july 2015 by asterisk2a
Rt Hon David Blunkett MP | Where Next for Welfare? - YouTube
helping people to cope w change in the labour market, enabling to succeed in a changing labour market. // instead one is exposed to the downward spiral of long-term unemployment, instead of enabling social mobility and income (and personal) growth // throwing away human capital // we inherit what we seed - you reap what you sow // min 24 - getting corporate entities to pay their fair share of tax // min 30 - honest system // psychology of welfare, the right way // min 55 investing in people, personal advisor // tax credit for on the job training/on-boarding of long-term unemployed, dual system (education & job), apprenticeships paying living wage // corporates get subsidies, why does an employee can't get that - helping to compete in this labour market // &! Welfare: When does the State say no? | 18.06.2013 - youtu.be/aBo-1WVu2YE // // &! [Labour] Alan Milburn: Education’s role in promoting social mobility - youtu.be/-sTuE2X99G4 - https://www.gov.uk/government/people/alan-milburn
welfare  welfare  state  social  safety  net  Public  Services  Services  labour  market  labour  economics  vocational  education  education  policy  practical  skills  practical  skill  set  apprenticeships  austerity  hartz-iv  ALG2  Germany  UK  IMF  economic  history  policy  error  short-term  thinking  short-term  view  policy  folly  Career  Politicians  Conservative  Party  microeconomic  policy  macroeconomic  policy  job  creation  job  market  underemployed  long-term  unemployment  long-term  view  long-term  thinking  David  Cameron  economic  damage  income  growth  fear  solidarity  social  cohesion  social  tension  competitiveness  competitive  competition  on  job  training  social  mobility  downward  mobility  income  mobility  human  capital  gesellschaft  stereotype  Gini  coefficient  inequality  2015  child  care  tax  credit  low  income  working  poor  precarious  work  Precariat  Proletariat  self-employment  income  distribution  income  inequality  income  redistribution  Super  Rich  1%  fairness  unrecht  budget  deficit  tax  evasion  tax  avoidance  loopholes  No  Representation  Establishment  Privileged  Toff  continual  education  child  poverty  food  poverty  poverty  moral  beliefs  ethical  beliefs  corporate  culture  corporate  values  paid  maternity  leave  sickness  benefits  paid  paternity  leave  HR  human  resources  Disabled  employability  youth  unemployment  structural  unemployment  tax  code  tax  free  income  living  wage  minimum  wage  society  disposable  income 
may 2015 by asterisk2a
Macroeconomics Causes of Inequality - YouTube
"consumption drives much of the economy" // free up disposable income >> free child care, health care, limit exploitation of financial illiterate people (% interest on pay day loans, overdraft charges, dispo), public services, social services, pension contribution by state (preventing poverty at old age), tax credits for low income and children and carers, free education and vocational education/continual education - enabling to move up the ladder, // min11 - secular stagnation post GFC compared to previous recessions in terms of real household demand (balance sheet recession, debt overhang, deleveraging (debt repayment), and lack of new issuance of consumer credit I guess, too + rising income equality! lower redistribution from top to bottom (fair taxation) reduces recycling of income (freed up by policy items above) into demand. // min 18 - top 5% society (luxury, vanity, status) takes over bottom 80% society in aggregate terms of consumption. Economy driven by WHOM?! Affluent!
income  inequality  inequality  social  mobility  income  mobility  vocational  education  education  policy  Gini  coefficient  Makers  squeezed  middle  class  middle  class  working  poor  precarious  work  Precariat  savings  Proletariat  economic  model  trickle-down  economics  macroeconomic  policy  economic  growth  Super  Rich  1%  tax  free  income  Universal  Basic  tax  credit  tax  code  tax  avoidance  tax  evasion  consumption  consumerist  consumer  credit  creation  budget  deficit  exploitation  shareholder  value  Niedriglohn  Niedriglohnsektor  Lohnzurückhaltung  lohndumping  Zeitarbeit  Leiharbeit  Zero  Hour  Contract  productivity  Werkvertrag  disposable  income  discretionary  spending  contractor  outsourcing  fairness  unrecht  bailout  Career  Politicians  gender  pay  gap  policy  folly  policy  error  Soziale  Marktwirtschaft  working  class  Blue-collar  Worker  White-collar  Worker  knowledge  GFC  debtoverhang  balance  sheet  recession  liquidity  trap  deleveraging  secular  stagnation  austerity  UK  USA  economic  history  recovery  fiscal  policy  fiscal  stimulus  Schuldenbremse  Pact  Western  World  Europe  deflationary  consumer  debt  consumer  confidence  dot.com  Privileged  Establishment  convenience  on-demand  innovation  Silicon  Valley  wealth  distribution  income  distribution  income  growth  income  gap  redistrib 
may 2015 by asterisk2a
Bank of England says UK economy to grow by 2.5% in 2015 - BBC News
Mr Carney warned of "underlying weakness" as the Bank gave a gloomier picture for productivity growth. The Bank revised down its productivity forecast because it sees a disproportionate number of new jobs as low-skilled and low-output. Productivity growth is now expected to improve only modestly in the coming year before remaining below past average rates. 'Underinvestment' "Today's report should leave nobody in any doubt about the fundamental role of productivity growth in the UK economy's performance," said Aberdeen Asset Management chief economist Lucy O'Carroll. "The Bank of England has downgraded its growth outlook, and Mark Carney has put poor productivity right at the centre of the story. "He may have put part of the productivity disappointment of recent years down to a disproportionate pick-up in low-productivity jobs, but he has also admitted that underinvestment has played a role." [...] [+ EU&Global (China) headwinds] = in no rush to raise interest rates. &! bbc.in/1RIb9Ah
productivity  UK  job  creation  labour  market  labour  economics  Niedriglohn  Niedriglohnsektor  Services  Industry  service  industrial  policy  structural  imbalance  Impediments  output  gap  recovery  working  poor  squeezed  middle  class  USA  precarious  work  Precariat  self-employment  contractor  Zero  Hour  Contract  outsourcing  borderless  flat  world  globalisation  globalization  competitiveness  competitive  competition  Manufacturing  Career  Politicians  short-term  thinking  short-term  view  economic  history  GFC  dot.com  productive  investment  hunt  for  yield  asset  allocation  ZIRP  NIRP  QE  unintended  consequences  speculative  bubbles  speculative  speculation  ecosystem  education  policy  vocational  education  continual  education  underemployed  employability  long-term  unemployment  structural  unemployment  Revolution  2.0  entrepreneurial  entrepreneurship  Start-up  SME  SMB  Mittelstand  Software  Is  Eating  The  Share  Economy  service  Sector  Jobs  2015  sociology  trust  advice  psychology  anxiety  secular  stagnation  deflationary  digital  knowledge  sharing  shadow  1099  Economy  New  Economy  Venture  Capital  wantrepreneur  Year  of  Code  practical  skills  practical  skill  set  of  economics  of  apprenticesh 
may 2015 by asterisk2a
Autumn Statement 2014: Osborne's Cuts 'Will See Public Spending Fall To Lowest Level In 80 Years'
Tony Dolphin, senior economist at the Institute for Public Policy and Research, warned that Osborne's planned cuts were "implausible". "Given the scale of cuts in the public sector, [the OBR] can only make its growth forecast add up by assuming that consumer demand is boosted by households taking on more debt - and at an unprecedented pace. "Extraordinarily, the OBR thinks that by 2019 the household sector will have a financial deficit twice as big as in 2007 and 2008 when the financial crisis hit. As result, the household debt-to-income ratio is forecast 2 rise beyond its pre-crisis peak 2 over 180%. "This is pretty implausible. If the next government tries 2 follow the deficit reduction path set out in the Autumn Statement, it can only succeed in the short-term because the household sector takes on debt @ a faster pace than it did before the financial crisis. [this warning was heeded some years ago alrdy that consumer&corp would have to take on debt to spend to keep GDP # up!!!]
austerity  UK  George  Osborne  economic  history  David  Cameron  general  election  2015  fairness  Liberal  Democrats  Conservative  Party  Labour  Party  Super  Rich  1%  Privileged  Establishment  No  Representation  Toff  fiscal  policy  Democratic  Process  democracy  tax  free  income  Budget  Gerechtigkeit  Gini  coefficient  income  inequality  compromise  Career  Politicians  Debt  Super  Cycle  sovereign  crisis  recovery  GFC  Lohnzurückhaltung  working  poor  Services  Industry  service  economy  service  squeezed  middle  class  wage  growth  sticky  wages  Niedriglohn  Niedriglohnsektor  minimum  wage  productivity  output  gap  liquidity  trap  monetary  transmission  mechanism  zombie  banks  zombie  consumer  mortgage  market  ZIRP  NIRP  QE  Funding  for  Lending  Scheme  Help  to  Buy  Scheme  monetary  policy  Future  of  Work  Mobile  Creative  Mobile  Creatives  flat  world  globalisation  globalization  Year  of  Code  industrial  policy  job  creation  disposable  income  Precariat  precarious  Zero  Hour  Contract  economics  market  tax  evasion  tax  avoidance  GDP  economic  growth  zombie  corporations 
december 2014 by asterisk2a
BBC News - Long, long slog to mend public finances
So the job of mending the public finances is a long way from over. The best performing, big developed economy in the world - that's us by the way, as assessed by speed of GDP growth - is generating far less tax than expected. So this year, the Office for Budget Responsibility expects the harvest for the Exchequer from taxation to be £7.8bn less than it predicted in March. And by 2017-18, it says the shortfall will be an eye-watering £21bn. & the biggest shortfall, roughly half of it, is in income tax, which reflects the creation of lots of new low wage jobs & the absence of meaningful pay rises for millions. [...] reflecting a change in the structure of the economy, rather than a passing phenomenon. [AUSTERITY] The OBR calculates that spending per head in real terms in 2019/20 on the public sector minus health and schools would be £1,290, or 57% less than in 2009/10. [... edu & industrial policy not straight ahead towards econ of the future ...] [in this together?] &! bbc.in/1tqUjGz
tax  avoidance  tax  evasion  Gerechtigkeit  fairness  crony  capitalism  Budget  UK  Debt  Super  Cycle  sovereign  crisis  recovery  GFC  economic  history  Lohnzurückhaltung  working  poor  Services  Industry  service  economy  service  squeezed  middle  class  wage  growth  sticky  wages  Niedriglohn  Niedriglohnsektor  minimum  wage  productivity  output  gap  liquidity  trap  monetary  transmission  mechanism  zombie  banks  zombie  consumer  mortgage  market  ZIRP  NIRP  QE  Funding  for  Lending  Scheme  Help  to  Buy  Scheme  fiscal  policy  monetary  policy  Future  of  Work  Mobile  Creative  Mobile  Creatives  flat  world  globalisation  globalization  Year  of  Code  industrial  policy  job  creation  disposable  income  Precariat  precarious  Zero  Hour  Contract  labour  economics  labour  market  George  Osborne  David  Cameron  competitiveness  competitive  competition  comparative  advantage  Silicon  Valley  BRIC  Frontier  Markets  Developing  free  trade  global  trade  trade  agreements  TTIP  austerity  Structural  Impediments  unemployment  infrastructure  investment  deficit  imbalance  apprenticeships  education  policy  practical  skills  practical  skill  set  secular  stagnation  wage  stagnation  stagnation  stagflation  deflationary 
december 2014 by asterisk2a
If Schools Don't Change, Robots Will Bring On a 'Permanent Underclass': Report | Motherboard
via http://www.reddit.com/r/Futurology/comments/2ct2xs/if_schools_dont_change_robots_will_bring_on_a/ The respondents overwhelmingly agree that this lovely future where robots do the work and humans design the robots and everyone has leisure time and lots of money only exists in a fantasy future where the school systems pump out a shitload of Elon Musks and Sergey Brins—or, at the very least, people who can reliably work at the companies those guys own. [...] only the best-educated humans will compete with machines [...] and education systems [around the world] are still sitting students in rows & columns, teaching them to keep quiet and memorize what is told to them, preparing them for life in a 20th century factory.” // Rise of Service Jobs (dominance) in USA, even post-GFC. // ADD: http://www.washingtonpost.com/blogs/on-leadership/wp/2014/08/07/are-robots-coming-for-your-job/
Robotics  AI  Future  of  Work  Start-up  of  You  Mobile  Creative  Mobile  Creatives  Year  of  Code  skill-biased  technological  change  practical  skills  practical  skill  set  capital  skills  knowledge  worker  White-collar  Blue-collar  human  capital  creativity  destruction  value  creation  Problem  Solving  complexity  unknown  unknowns  unintended  consequences  education  policy  Public  HR  human  resources  hiring  underemployed  structural  unemployment  employment  unemployment  leisure  time  disposable  income  working  poor  squeezed  middle  class  flat  world  globalisation  globalization  competitive  advantage  comparative  advantage  competitiveness  Competition  competitive  Career  Politicians  Precariat  Proletariat  sociology  psychology  Universal  Basic  Grundeinkommen  precarious  precarious  employment  Services  Industry  service  income  mobility  social  mobility  income  inequality  Gini  coefficient  living  wage  standard  of  living  minimum  wage  wage  stagnation  workforce  labour  economics  labour  market  middle  class  status  quo  sector  Europe  USA  disruption  knowledge  economy  domain  knowledge  domain  expertise  expertise 
august 2014 by asterisk2a

related tags

1%  2.0  3D  4-day  6-hour  Abstieg  abundance  academia  academics  Academy  acquisition  added  advantage  advice  affordable  ageing  agglomeration  aggregate  agreements  AI  ALG2  algorithm  allocation  Allowance  American  antitrust  anxiety  apprenticeships  artificial  asset  attainment  Aufstocker  augmented  austerity  automation  autonomous  avoidance  babyboomers  bailout  balance  bank  banks  Basic  bed  bedroom  being  beliefs  benefits  Big  Bill  blocking  Blue-collar  BOE  book  borderless  Brexit  BRIC  bubble  bubbles  budget  budget2010  budget2015  budget2016  business  Buy  Cameron  campaign  capital  capitalism  car  card  care  career  cars  change  child  China  class  code  coefficient  cohesion  coldprogression  commoditization  commodity  commuting  comparative  competition  competitive  competitiveness  complexity  compromise  confidence  conglomerate  consent  consequences  Conservative  constituency  consume  consumer  consumerist  consumption  continual  contract  contractor  convenience  Corbyn  corporate  corporations  cost  Council  creation  creative  Creatives  creativity  creator  credit  crisis  crony  culture  Cycle  damage  Data  David  day  debt  debtoverhang  decade  deep  deficit  deflation  deflationary  deleveraging  demand  democracy  Democratic  Democrats  deprivation  deregulation  destruction  developed  Developing  Devolution  digital  disability  Disabled  discretionary  discrimination  disposable  disruption  distribution  doctor  dogma  domain  dot.com  downward  Dream  Duncan  DWP  earned  Eating  economic  economics  economies  economy  ecosystem  education  efficiencies  election  employabilitie  employability  employment  energy  entrepreneur  entrepreneurial  entrepreneurship  equality  error  ESA  Establishment  ethical  Europe  evasion  expertise  exploitation  exuberance  fairness  Farage  fear  Ferguson  financial  fiscal  flat  folly  food  for  Framework  framing  free  Frontier  Funding  Future  gains  gap  GDP  gender  gender-based  general  generation  generational  Generationengerechtigkeit  George  Gerechtigkeit  Germany  gesellschaft  GFC  Gig  Gini  global  globalisation  globalization  goat  Google  Grant  groups  growth  Grundeinkommen  hartz-iv  health  Help  Helpling  Higher  hiring  history  Homejoy  homescreen  Hour  household  Housing  HR  hubris  human  hunt  Iain  identity  ideology  imbalance  IMF  immigrants  immigration  Impediments  in  Inc.  income  industrial  Industry  inequality  infrastructure  innovation  innovator  insecurity  intelligence  interest  Internet  investment  Ireland  irrational  Is  Jeremy  job  Jobs  Joseph  josephstiglitz  kalte  knowledge  Koo  labour  ladder  Larry  Law  learning  leave  Leiharbeit  leisure  Lending  liberal  liquidity  literacy  living  loan  lobby  Lobbying  lobbyist  lohndumping  Lohnzurückhaltung  London  long-term  loopholes  lost  lottery  low  LTV  machine  macroeconomic  macroeconomics  Maintenance  Makers  Manifesto  manual  manufactured  Manufacturing  marginal  market  marketplace  Markets  Marktwirtschaft  maternity  maximisation  mechanism  meritocracy  meritocratic  microeconomic  microeconomics  middle  mindestlohn  Minijob  minimum  mirror  mismatch  Mittelstand  mobile  mobility  model  monetary  monetisation  monetization  monopoly  Moore's  moral  mortgage  NAFTA  nasty  national  neoliberal  neoliberalism  net  New  NHS  Niall  Niedriglohn  Niedriglohnsektor  Nigel  NIRP  No  Northern  obligation  of  on  on-demand  Opportunism  opportunist  Osborne  output  outsourcing  Pact  paid  part-time  participation  party  paternity  pay  payments  pension  Perspective  Perspektivlosigkeit  philanthropy  phone  Piketty  Platform  plutocracy  Police  policy  political  Politicians  poor  population  populism  Positioning  post  post-capitalism  poverty  Powerhouse  PR  practical  Precariat  precarious  printing  Privatisation  Privileged  Problem  Process  productive  productivity  professional  profit  progress  Progression  progressive  Proletariat  promises  propaganda  propensity  property  protectionism  psychology  public  QE  quo  R&D  racism  rapid  rate  receipts  recession  recovery  redistribution  reform  reframing  regulation  regulators  renewable  Rent  Representation  repression  Research  resources  Revolution  Rich  Richard  Robotics  Rocket  safety  savings  scape  Scheme  Schuldenbremse  Scotland  sector  secular  security  self-driving  self-employment  self-regulation  service  Services  set  shadow  Share  shared  shareholder  sharing  sheet  short-term  sickness  Silicon  skill  skill-biased  skills  SMB  SME  Smith  smoke  SNP  social  society  socioeconomic  sociology  Software  solidarity  Solving  sovereign  Soziale  Sozialer  speculation  speculative  spending  spin  squeezed  stagflation  stagnation  Stamps  standard  Start-up  state  status  STEM  stereotype  sticky  Stiglitz  stimulus  Street  structural  student  subsidies  subsidizing  Summers  Super  symbol  tax  TBTF  Tech  technological  tension  The  theory  thinking  Thomas  time  TISA  to  Toff  Tories  TPP  trade  training  transfer  transferring-wealth  transmission  trap  trickle-down  triple-lock  trust  TTIP  Uber  UK  UKIP  uncertainty  underemployed  underemployment  underinvestment  unemployment  unintended  Union  Universal  unknown  unknowns  unrecht  USA  user  Valley  value  values  Venture  Verteilungskonflikt  vested  view  vocational  vulnerable  wage  wages  Wales  Wall  wantrepreneur  warfare  wealth  week  welfare  well  Werkvertrag  western  Westminster  White-collar  Whitehall  Women  work  worker  Workers  workforce  working  world  Xenophobia  Year  yield  You  youth  Zeitarbeit  Zero  ZIRP  zombie 

Copy this bookmark:



description:


tags: