Cuba, Australia pledge to strengthen economic cooperation   

Foreign Ministers Bruno Rodriguez Parrilla of Cuba and Julie Bishop of Australia at the signing of the new Memorandum on Friday in Havana Cuban Foreign Minister Bruno Rodriguez Parrilla and his Australian counterpart, Julie Bishop, Friday signed a memorandum of understanding whereby both countries will strenthen their economic ties.


          Fairline implements manufacturing change programme   

Photo

The significant changes see Fairline move from eight single model lines to three mixed model lines, as well as create dedicated centres of excellence for moulding and furniture production – creating a roadmap for sustained growth of this iconic British brand.

The changes will enable Fairline to achieve greater flexibility in its production processes and will drive higher levels of labour productivity and materials utilisation. The new programme will improve even further the fastidious build quality that Fairline is, justifiably, renowned for.

Alistair Schofield, CEO at Fairline Boats commented: “As a brand, we have reacted dynamically to the challenging economic environment and moved the business forward significantly over the last year. We have invested in our manufacturing facilities to create more flexibility in our production system, including the creation of a dedicated centre for excellence for furniture production, which is based on greater utilisation of CNC production technology.

“We recognise that investment in technology will improve our efficiencies, but throughout the development of this programme we have also remained relentlessly focused on the importance of retaining the high quality standards that Fairline is renowned for and ensuring this change has a positive impact on the already very high build quality of the boats we produce. We are delighted with the results of the programme and the benefits this will offer us, our dealer network and our customers for our 2013 model year.”

The trio of new 48-foot models will all be manufactured utilising the revised manufacturing facilities. The Targa 48 OPEN, the first in the range, will make its world debut in summer 2013.

Fairline Boats manufactures luxury motor yachts from 38-78ft in two distinct ranges, Targa and Squadron.


          Lot de 3 ampoules Lexmann à spirales, fluorescentes 23W , E14 à 1€ en magasin @ Leroymerlin Quimper (29)   
En soldes: Technologie Fluorescent Type de culot E14 Economie d'énergie / incandescent (en %) 80% Classe énergétique A Puissance consommée (en W) 23 Puissance d'éclairage restituée (en W) 100 Puissance (en lumen) 1398 Durée de vie (en h) 10000 Tension (en V) 230 Température de couleur (...
          Sapphire’s new Radeon video cards are made for miners   

The use of crypto-currency has become more popular than ever. Riding to the demand of the digital money itself is the miners. And to cater these growing producers, here are the new Sapphire Radeon cards built for miners. According to the report, crypto-currency mining is more economical to do on a GPU rather than the […]

This article, Sapphire’s new Radeon video cards are made for miners, was originally published at NoypiGeeks | Philippines Technology News, Reviews and How to's.


          Re: Regulatory Board Recognises Validity of Publicly-Listed Patent Attorney Structures   

Hi Doug,

I can't speak for New Zealand, but I think you are overestimating the power of Australian competition law, and of the ACCC to enforce it. Even if the three listed groups were to merge all of their firms we would still have more competition than we do in the supermarket sector, and less price matching than we see in the fuel market. It takes an awful lot to 'substantially lessen competition'. So long as consumers have a genuine choice between genuine competitors (even just two or three, although there is obviously much more competition than that in the Australian IP market) it is unlikely that the arrangements will fall foul of any provisions of the Australian Competition and Consumer Act 2010.

It is also worth noting that consolidation is recognised by economists as a natural consequence of a maturing market across many industries, and it is not the role of competition law to interfere with this process merely because it results in a reduction in the number of independent competitors. Indeed, consolidation can result in efficiencies, concentration of capital and economies of scale that lead to reduction in prices and/or expansion in the range of goods/services available that are beneficial to consumers and the economy.

You will note that it is not so much the Board alluding to competition concerns. The passage you quote is reporting the non-listed firms' stated concerns - hardly a disinterested opinion! Further, I think it is safe to assume that the whole of Part C, Section 1-4 of the paper is essentially a cut-and-paste of Professor Christie's report to the Board. The mooted competition issue is not taken up at all in the Board's views and proposals in Section C.5. What the Board takes out of the 67% figure is that the 'listed group scenario' is a 'significant commercial reality'.

I also happen to know that at least one of the listed firms actually wrote to the ACCC, out of an abundance of caution, to notify them of at least one of their intended acquisitions. From what I hear, not an eyelid was batted. And I am not at all surprised.

Mark


          Sabedoria Secreta I   

Sabedoria Secreta I


1 O povo se sentava ao redor do Rabi Yahushua de nazaret, e ouvia com grande reverência. Desejavam eles ouvir as palavras que lhes dariam vida. Eram como ovelhas famintas por alimento.
2 Shimon, estando entre os talmidim, disse: "Nós não conhecemos toda a verdade – e precisamos ouvir o teu ensinamento." 3 Mashiach respondeu: "Muito bem. Tudo que existe depende da Torá, e qualquer pessoa pode encontrar o que está logo abaixo da superfície - enterrado mais profundamente do que nossos olhos. A verdade é como olhar para o branco da lua na água. Se a água é turva, não se pode ver claramente. É como palha ardente no fogo - se a palha está úmida, o fogo não pode queimar incandescente. As verdades da Torá podem ser ocultadas em umidade como esta. Portanto, Shimon, qualquer que deseje seguir o caminho deve deixar os pensamentos, e pôr de lado tudo aquilo que lhe atrapalha a habilidade de aprender toda a verdade." 4 Ser puro e calmo significa ser aberto à pureza e à longanimidade- assim, começa-se a aprender a verdade. Isto significa que a luz pode brilhar, revelando as obras de causa e efeito que conduzem ao shalom. Shimon, saiba disto: as palavras dadas a Mim pelo Pai Celestial alcançam todas as direções. 5 Pessoas lutam para tentar aprender coisas demais por vez. Essa luta, contudo, cria um desejo de fazer alguma coisa. O fazer cria um movimento que pode resultar em ansiedade. Então, é impossível encontrar descanso e contentamento. Por isso Eu ensino longanimidade e o aprendizado gradual da Torá, pois na longanimidade não há perturbação. Então, pode-se entrar no Reino dos Céus. 6 Remova de ti aquilo que te atribula e te distrai, e sede puro como alguém que respira em pureza no vazio, confiando em YHWH. Este é o princípio do conhecimento - é o caminho para o shalom e a plenitude. 7 Shimon, saiba disto. O Pai pode ser encontrado através dos céus e da terra. O Filho de Elohim é a expressa imagem do Pai. O Filho é o caminho para o Pai, e pode ser visto entre todas as pessoas que nEle crêem. 8 Aqueles que agem virtuosamente logo atingem uma reputação; mas a fama faz as pessoas agirem de forma diferente. Elas se tornam movidas por ambições mundanas. Isso as torna infladas e define o que fazem. Pessoas como tais nunca podem atingir shalom e plenitude, pois elas não conhecem o Filho e não têm longanimidade dentro delas. 9 Aqueles que não vivem uma vida de humildade e aqueles que buscam a notoriedade servem como seus próprios guias. Contudo, aqueles que são humildes e simples e não almejam servir às suas próprias carnes conhecem o caminho do shalom e da plenitude através do Filho. 10 Shimon, tu deves ver e ouvir a Torá. Não te distraias pelas coisas do mundo. Quando atingires esse nível de entendimento, serás capaz de sentir o sabor da Torá. Abrace a Tora em teu coração. 11 Tende compaixão e sede sempre compassivo sem tentar se exaltar para alguém. Todos serão libertos desta forma – e este é chamado de o caminho para o shalom e para a plenitude. 12 E todo o povo então se levantou e, após se curvarem, cantaram este cântico: 13 "Louvem todos ao Grande Rabino, pois Tu nos ensinas a Torá em verdade. Tal como ela é, e em profundidade e em mistério, além do que pudemos imaginar."

Fonte: Livro das Palavras do Ungido

De Mar Ya’akov HaTsadik (São Thiago) acerca das Palavras do Mashiach

*Mashiach= Ungido, Messias escatológico do judaísmo, que trará um novo período de paz e espiritualidade e uma nova ordem social e economica para todos os povos. Os Netzarim qualificam e reconhecem que o Rabinu Y´shua de Nazaret é o Messias.


*Torah = Conjunto de revelações e intruções da vontade do ser supremo YHWH.

          Clases ciencias e inglés todos los niveles   
Clases particulares, a domicilio. Matemáticas (calculo, algebra, estadística), física, química, inglés. Todos los niveles, (eso, bachillerato y universidad - ingenierías, físicas, matemáticas, químicas, ade, economicas, uned, universidad europea del atlántico, cesine...). Profesor licenciado en físicas, bilingüe. Amplia experiencia. Zona de santander y alrededores. Enseñanza personalizada según necesidades del alumno.
          Clases particulares desde primaria hasta 2º bachillerato   
Ingeniera química con 13 años de experiencia imparte clases a primaria, eso y bachiller de las asignaturas de matemáticas, química, física, lenguaje, economía, estadística y apoyo en general, así como preparación para pruebas de acceso a módulos. El precio en grupos, máximo 4 personas (euros/mes/horas semanales): 30 eu/2h, 40 eu/3h y 50 eu/4h. Y clases individuales a 8 euros/h. situado próximo a la pizzería tabitas y enfrente del colegio safa...
          Join the Co-op in July!   

There’s a lot to love about being a co-op member-owner! Join us! In addition to being part of an organization that supports local small farmers, products made locally, a thriving local economy, fair trade, earth-friendly products, sustainable living practices, universal access to healthy food you will also enjoy: a FREE slice of cake on your […]

The post Join the Co-op in July! appeared first on Wild Oats Coop.


          The GoldFish Report No. 107 – Winston Shrout – Moving Towards a Two-Tiered Money System – 6-30-17 – Creating An Abundance Economy   
*   The GoldFish Report * Published on Jun 30, 2017 On The GoldFish Report No. 107, Guest Winston Shrout joins the GoldFish Report Team, Louisa, Steve and Kent, to discuss moving towards a Two Tiered Money System and Money created for the Private Side. Winston explains the backing of currencies and the revaluation of … Continue reading "The GoldFish Report No. 107 – Winston Shrout – Moving Towards a Two-Tiered Money System – 6-30-17 – Creating An Abundance Economy"
          240 Ridge Avenue Economy, PA 15042 - $89900   
Located in Economy, this two-story style home has 3 bedrooms and 2 full baths. 240 RIDGE AVENUE is situated in the Freedom Area School District. This home also has detached garage with 2 spaces, wall to wall carpet, vinyl floors, oil heating.
          Free trade Africa's path to development - " Akufo-Addo   

President Nana Addo Dankwa Akufo-Addo has urged African leaders to hasten the coming into being of the Continental Free Trade Area . According to President Akufo-Addo, "if we remain resolute and see to its realisation, we will obtain a major boost to the development of our economies, and a considerable reduction on our dependence on foreign goods and services.


          Sidedressed manure boosts profits   

Ohio farmer saves $100/acre over commercial fertilizer, with 20-25 bu./acre added corn yields.

Think Different

When Ohio farmer Tom Harrod first heard about sidedressing hog manure he was skeptical. He went to a county extension program after talking to some farmers about their use of hog manure on growing corn, then he decided to give it a try. After achieving good yields without using commercial fertilizer, he became sold on the practice.  Now, Harrod says, it’s driving profits in his operation.

-----

The idea to use hog manure on standing corn frightened Rossburg, Ohio farmer Tom Harrod at first. He has applied hog manure to fields, before and after crops, because they produce 12,000 hogs per year. He commonly used commercial fertilizer and soil testing for 30 years on their 1,300 acres that he farms with his son, Korey. But he knew a change was needed. That change was to utilize the nitrogen in the hog manure on a growing crop.

So Harrod began working with Ohio State University Manure Specialist Glenn Arnold and OSU Extension Agent Sam Custer to inject the hog manure as a sidedress in corn.

Manure replaces commercial fertilizer

“I admit, I didn’t think it would work,” says Harrod. Now, he thinks differently. “We don’t use commercial fertilizer on the fields where we inject hog manure, and we achieve the same yields or better than if we used commercial fertilizer.”

“This practice makes a lot of sense in these tough economic times,” adds Custer. He says farmers have success because injected nitrogen in the manure stays available longer for the corn plants; not reduced by rainfall or sunlight. Commercial fertilizer can be washed away by a rainstorm.

The hog manure application injection not only provides nitrogen for the corn crop but also has enough nutrients such as potash and phosphorus left over for the next year’s soybean crop. “The manure has the right amount of nutrient value to get two crops,” says Harrod. 

The farm is now saving close to $100 an acre using manure over commercial fertilizer. Custer says the data collected shows the injection system has yielded a 20-25 bushel increase.

Switched application methods

Harrod says a key to success is injecting hog manure as the corn plants grow. The conventional idea of applying manure in the fall loses nitrogen. But by injecting it, the plant is able to use it and not lose it. He applies 6,000 gallons of manure per acre, with a value of about 30 pounds of nitrogen per 1,000 gallons.

When this sidedress research began, a tank was used but producers found compaction issues in their fields. Now they have switched to a dragline system, and there is no compaction. However, the hose does move across growing rows of corn. 

To reduce hose damage to growing corn, it’s all about injection timing. There is a short window when it can be applied. Too late and the draglines can break off the corn and it dies. After three years of application timing research by Ohio State, the researchers concluded that the hog manure has to be applied before the corn plants reach V4 or eight inches in height (see chart).

Custer says farmers interested in starting the practice must discuss critical application timing with their custom applicator. Once a farmer finds success, buying their own injector system may yield added benefits, especially timeliness.

For the Harrod operation, they normally run a hose one mile from the hog barns but can run it up to one mile and half. Some operations inject as far as two miles from the facility.

Concerns and BMPs

Custer says it is a sound practice to apply to a growing crop, but warns it is a liquid so there are precautions. One is to watch field tiles so that no damage is done to them. Another recommendation is to install tile control structures if possible. They can eliminate excess manure getting into creeks or ditches.

Another practice is to have a manure analysis completed. Know your nitrogen and phosphorus levels. Custer says most hog manure has an application rate of 13,000 gallons per acre. Farmers only need to apply 6,000 gallons per acre. He also urges producers to follow the 4R’s. Apply at the right time, the right place, the right source and at the right rate to ensure success.


          High yields, low grain prices: Manage phosphorus and potassium wisely   

Bumper grain yields are being harvested from most Iowa fields this fall. However, due to low crop prices producers are thinking of reducing phosphorus (P) and potassium (K) fertilizer application rates. A few important management options should be considered when making decisions with unfavorable crop/fertilizer price ratios.


          China Completes Construction Of New Missile Shelters On Disputed South China Sea Islands   

Trump's "up and down" relationship with China may be on the precipice of taking a sharp dive into the proverbial abyss.  After frequently threatening to label China a "currency manipulator" on the campaign trail last year, Trump's relationship with China's President Xi Jinping took a decided turn for the better after a meeting at Mar-a-Lago in which China vowed to help address the "menace of North Korea" .

But apparently those efforts have officially failed:

 

And, shortly after those efforts were declared dead, the Trump administration signed a $1.3 billion arms deal with Taiwan, a deal which China has "demanded" be cancelled immediately.

Meanwhile, as the Financial Times points out today, in the midst of all the international crises, China has made great strides building out and further militarizing their disputed islands in the South China Sea.

Over the past three months, China has built four new missile shelters on Fiery Cross, boosting the number of installations on the reef to 12, according to satellite images provided to the Financial Times by the Center for Strategic and International Studies.

 

China has also expanded radar facilities on Fiery Cross and two other disputed reefs — Subi and Mischief — in the Spratly Island chain, and started building underground structures that Greg Poling, director of CSIS’s Asia Maritime Transparency Initiative, assesses will be used to store munitions.

 

“We haven’t seen any slowdown in construction, including since the Mar-a-Lago summit,” said Mr Poling. “The islands are built and they are clearly militarised, which means they already got over the hard part. Now every time they put in a new radar or new missile shelter, it is harder for the world to get angry. They are building a gun, they are just not putting the bullets in yet.”

 

The advances underscore how much progress China has made towards militarizing the man-made islands in ways that significantly enhance its ability to both monitor activity in the South China Sea and to project power in the western Pacific where the US has been the dominant power in the seven decades since the second world war.

Euan Graham, an Asia expert at the Lowy Institute in Sydney, said it was “not quite game over in the South China Sea” but that China had fundamentally altered the status quo over the islands that would be hard to change barring war or natural disasters.

 

“They already exert a strategic effect by projecting China’s presence much further out,” said Mr Graham. “They will not prevent the US Navy from operating in their vicinity, but they will complicate the threat environment for US ships and aircraft — by extending the [Chinese navy’s] surveillance and targeting net, as well as the envelope of power projection.”

 

Of course, these latest provocations come despite a promise made to Obama in 2015 that "China would not militarize the man-made islands"...a promise which the Obama administration apparently took at face value and proceeded to bury their heads in the sand.

During a visit to Washington, Mr Xi told Barack Obama in 2015 that China would not militarise the man-made islands, but in the intervening 20 months Beijing has stepped up construction, and now has runways that can accommodate Chinese fighter jets.

 

China’s legal claim to the seas around the maritime features is legally controversial since many were dredged out of coral and sand and thus not entitled to status as islands. But Vasily Kashin, an expert on the Chinese military at the Higher School of Economics in Moscow, said the goal was never legal sovereignty but to give China forward bases from which it could patrol and exercise control in their vicinity.

 

“If you have this infrastructure in the Spratlys, it allows China to constantly monitor aircraft and ships in the South China Sea. The point is that no one will be able to do anything in the area without them seeing.”

 

Ely Ratner, an Asia expert who served in the Obama administration, said Washington had failed to craft a strategy to convince China to halt militarisation of the man-made islands. “Until China believes that there will be significant costs . . . I don’t think they have any reason to slow down,” said Mr Ratner. “They have been pushing on an open door and have been surprised at how little resistance they have faced.”

 

Critics say the Obama administration took too cautious an approach to avoid creating tensions that would hurt the ability for co-operation on other issues. Meanwhile, some experts say the Trump team has given China a relatively free pass to maximise the chances it will boost pressure on North Korea to give up its nuclear programme.

Somehow we suspect the Trump administration will end up being slightly less "accommodating" over the long term...


          Minister visits Dubrovnik Airport, biggest EU project in Croatia   

Regional Development and EU Funds Minister Tomislav Tolusic visited Dubrovnik Airport on Friday, saying the primary function of this big European Union development project was transport connection and that in the long term it would enable tourism development and economic growth in Dubrovnik-Neretva County and the whole region.


          350 Constellation Dr Economy, PA 15042 - $179000   
Located in Economy, this split-level style home has 3 bedrooms, 2 full baths and 1 half bath. 350 Constellation Dr is situated in the Ambridge School District and SUNSET HILLS neighborhood. The sale of this home includes refrigerator, dish washer, electric stove, wall to wall carpet, multi-pane windows, and washer/dryer. This home also has a 2 car integral garage, ceramic tile, wall to wall carpet floors, electric, forced air heating.
          100 Ridgewood Dr Economy, PA 15042 - $149999   
AMAZING VALUE AND UPDATES GALORE! Tastefully done split entry in the Ridgewood Plan of Economy Borough. Minutes from Cranberry Township, shopping and major roadways. Step onto the 14x10 maintenance free front deck. Inside you will find a ceramic tile entry with new carpet and chandelier. Light and bright the family room has new hardwood floors and recessed lighting on dimmer switch and fireplace. Steps away is the dining room with updated lighted ceiling fan, hardwood floors and patio doors to the expansive 16x12 rear deck. The kitchen has been totally updated with recessed lighting, ceramic tile flooring, Kraftmaid soft close custom cabinetry topped with granite counter tops and breakfas
          New country classifications by income level: 2017-2018   

Updated country income classifications for the World Bank’s 2018 fiscal year are available here.

The World Bank assigns the world's economies into four income groups — high, upper-middle, lower-middle, and low. We base this assignment on GNI per capita calculated using the Atlas method. The units for this measure and for the thresholds is current US Dollars.

At the Bank, these classifications are used to aggregate data for groups of similar countries. The income-category of a country is not one of the factors used that influence lending decisions.

Each year on July 1st, we update the classifications. They change for two reasons:

1. In each country, factors such as income growth, inflation, exchange rates, and population change, influence GNI per capita.

2. To keep the dollar thresholds which separate the classifications fixed in real terms, we adjust them for inflation.

The data for the first adjustment come from estimates of 2016 GNI per capita which are now available. This year, the thresholds have moved down slightly because of low price inflation and the strengthening of the US dollar. Click here for information about how the World Bank classifies countries.

Updated Thresholds

New thresholds are determined at the start of the Bank’s fiscal year in July and remain fixed for 12 months regardless of subsequent revisions to estimates. As of July 1 2017, the new thresholds for classification by income are:

Threshold GNI/Capita (current US$)
Low-income < 1,005
Lower-middle income 1,006 - 3,955
Upper-middle income 3,956 - 12,235
High-income > 12,235

Changes in Classification

The following countries have new income groups:

Country Old group New group
Angola Upper-middle Lower-middle
Croatia High-income Upper-middle
Georgia Upper-middle Lower-middle
Jordan Upper-middle Lower-middle
Nauru High-income Upper-middle
Palau Upper-middle High-income
Samoa Lower-middle Upper-middle
Tonga Lower-middle Upper-middle

The country and lending groups page provides a complete list of economies classified by income, region, and lending status and links to previous years’ classifications. The classification tables include all World Bank members, plus all other economies with populations of more than 30,000. The term country, used interchangeably with economy, does not imply political independence but refers to any territory for which authorities report separate social or economic statistics.

Tables showing 2016 GNI, GNI per capita, GDP, GDP PPP, and Population data are also available as part of the World Bank's Open Data Catalog. Note that these are preliminary estimates and may be revised. For more information, please contact us at data@worldbank.org.


          210 Woodcroft Road Economy, PA 15005 - $279000   
Located in Economy, this two-story style home has 4 bedrooms, 3 full baths and 1 half bath. 210 Woodcroft Road is situated in the Ambridge School District. The sale of this home includes refrigerator, dish washer, disposal, electric stove, microwave oven, multi-pane windows, screens, automatic garage door opener, and washer/dryer. This home also has a 4 car integral garage, 1 fireplaces, wall to wall carpet, vinyl, other type floors, gas, forced air heating, and central air cooling.
          Baumarktkette: Bei Jumbo kann man bald Arbeiter mieten   
Der Baumarkt Jumbo verstärkt sein Engagement in der Sharing-Economy. Mit seiner Plattform Needelp kann man Arbeiter fürs Eigenheim mieten.
          Re: Foretelling Global Stock Returns, 1980-2015   
Simplegift wrote:William Bernstein has done interesting research on share dilution, summarized in his 2011 comment in The Economist:
William Bernstein wrote:In the first place, the 2% share dilution seen in the US was typical only of developed nations that had not seen their territories devastated by war. In those nations that had, dilution averaged 4% per year, and as high as 7.5% in Japan.

Further, we speculated that rapid economic growth born of technological advance was akin to physical destruction, both of which require large capital inflows from share dilution to replenish capital stock.

This was in fact confirmed a few years later by work by Speidell et al. (“Dilution is a Drag . . .” Journal of Investing, Winter 2005), who found dilution in excess of 10% per year for many Asian nations, and as high as 30% in China, which is the most likely reason for poor long-term returns of equity there.

Looking at the numbers for China (granted, an extreme example): For the decade from 1992 to 2002, China’s GDP grew by 11.5% per year. However the capitalization of Chinese equity markets grew by 39% per year, as the number of listed companies grew from 52 to 1,296. Thus the S&P price index of Chinese equities only appreciated by 3.5% a year over the decade.


The issue of share dilution is something I have never thought much about but it makes perfect sense. This is a good reason not to throw all your money at the fastest growing economies.
          Re: Beginner needs sanity check moving a lot of cash to market.   
John Laurens wrote:Ok then. Will you bet me a million dollars that a 60/40 portfolio will out perform his guaranteed mortgage rate over the next 2 years? If I win, I get a million dollars. If you win, you get the satisfaction that you guessed right over a guy on the internet.

Regards,
John


Paying off a mortgage is not a "guaranteed return" of 3.8%. And why does he need to "beat it" in 2 years? The interest on a mortgage (or any loan) is a finance charge. You know exactly what you will pay in interest over the life of the loan from day one. So, if a mortgage will cost you 100k over the life of the loan, paying it off early will save you no more than 100k. Alternatively, putting $300-400k into the stock market now and letting it sit for 20-30 years will return far more than $100k over that time (400k at 7% for just 10 years could yield over 380k in growth). Of course that is not guaranteed, but unless the world economy implodes and never recovers, he'll do much better investing now especially if he leaves the money invested for longer. Time in the market is key here. He absolutely without a doubt is much better off investing all of that cash now and keeping his mortgage for as long as he wants. At 3.8% and his current tax bracket, he's really only paying around 2% interest after the mortgage interest tax deduction anyway. That's free money. He should not pay off the mortgage. He's relatively young and wants to be financially independent in 10 years which means he needs more money in the market and he needs to get it in there asap to maximize time invested.
And great simple portfolio. If you put this money in a taxable, don't use the total bond fund there.
          Re: Should I Sell Energy Index (VDE) and take loss?   
danaht wrote:I would keep it if you like energy as a long term investment. A lot of people seem to think electric cars will replace ICE cars soon (in 10 years). The same group of people also believe that renewable energy will mostly replace carbon energy in the same time frame. If this happens - then everyone should sell their Vanguard energy funds now - since it mostly contains carbon based companies. I don't think either of these will be happening in my lifetime - so I continue to hold my energy ETFs / stocks (including VDE).


That is a Straw Man argument. Quite a gross mischaracterization.

I have never heard a serious expert predict the replacement of Ice vehicles in 10 years. There is no "a lot of people". What seems increasingly clear is that EVs are catching up the range and performance gaps very quickly. And that EVs will actually have a noticeable impact on oil demand by 2030.

As to your second contention. There's actually a huge row going on about whether renewable energy can replace 100 per cent. Of US consumption. Whether it is physically possible or not. Arraigned are some serious academic heavy hitters:people like Ken Caldeira (for the no). It's Been running around this past week.

No one is arguing it is doable in 10 years.

But, and I would not have written this 5 years ago, peak oil demand might be in sight. And in the 2030s.

Read Dieter Helm, a leading energy economist. He is careful not to forecast a date but his vision is provocative and well thought out.

Some serious energy economists and scenario planners at Big Oil multinationals seem to be leaning that way too.

Things are changing, and amazingly fast.

My own view is the external environment will force the pace on this.
          Cinco mitos a desmontar para saber bien qué es la inteligencia artificial   

Gracias a los últimos avances en 'machine learning' y en inteligencia artificial (IA), es fácil dejar volar la imaginación y pensar en lo increíble que será el futuro. Coches automáticos, diagnósticos médicos mucho más precisos, compras 'online' completamente automatizadas mediante 'chatbots' inteligentes... Pero, ¿qué sabemos realmente sobre ella? Todos tenemos nuestra propia idea de inteligencia artificial concebida a partir de noticias, libros, películas o series de ciencia ficción. Sin embargo, esto también ha dado lugar a ciertos mitos que es necesario desmontar para entender qué es y qué supone realmente la inteligencia artificial. Inbenta, compañía española especializada en esta tecnología y en procesamiento del lenguaje natural y búsqueda semántica, los ha analizado a través de su director general en España, Julio Prada.


          Cinco mitos a desmontar para saber bien qué es la inteligencia artificial   

Gracias a los últimos avances en 'machine learning' y en inteligencia artificial (IA), es fácil dejar volar la imaginación y pensar en lo increíble que será el futuro. Coches automáticos, diagnósticos médicos mucho más precisos, compras 'online' completamente automatizadas mediante 'chatbots' inteligentes... Pero, ¿qué sabemos realmente sobre ella? Todos tenemos nuestra propia idea de inteligencia artificial concebida a partir de noticias, libros, películas o series de ciencia ficción. Sin embargo, esto también ha dado lugar a ciertos mitos que es necesario desmontar para entender qué es y qué supone realmente la inteligencia artificial. Inbenta, compañía española especializada en esta tecnología y en procesamiento del lenguaje natural y búsqueda semántica, los ha analizado a través de su director general en España, Julio Prada.


          Cinco mitos a desmontar para saber bien qué es la inteligencia artificial   

Gracias a los últimos avances en 'machine learning' y en inteligencia artificial (IA), es fácil dejar volar la imaginación y pensar en lo increíble que será el futuro. Coches automáticos, diagnósticos médicos mucho más precisos, compras 'online' completamente automatizadas mediante 'chatbots' inteligentes... Pero, ¿qué sabemos realmente sobre ella? Todos tenemos nuestra propia idea de inteligencia artificial concebida a partir de noticias, libros, películas o series de ciencia ficción. Sin embargo, esto también ha dado lugar a ciertos mitos que es necesario desmontar para entender qué es y qué supone realmente la inteligencia artificial. Inbenta, compañía española especializada en esta tecnología y en procesamiento del lenguaje natural y búsqueda semántica, los ha analizado a través de su director general en España, Julio Prada.


          How Much Does It Cost To Buy A Great White Shark   
In the Arab world, Islam and Western democracy means dictatorship

by Abdenur Prado - posted Friday, February 11, 2011
Source: UMMA . COM

The West finances dictators in the Middle East and the Arab world for over a century.
pro-democracy demonstrations against dictatorships supported by the West in the Arab world, shows once again the immense hypocrisy of our leaders. Which side Western governments are, with the demonstrators or the dictators? The answer is simple: the side of those who generate millions for the benefit of Western multinational corporations.

But that does not surprise anyone. It is well known that the West has funded more than a century of dictatorships in the Middle East and the Arab world because it is through the autocracies that [the West] were able to control the resources of this region. Even if this leads to the exploitation and misery of people facing decommissioning, orchestrated by the International Monetary Fund, their social services in order to repay foreign debt generated by the millions in arms purchases in the West ... As the aspirations of civil society, increasing poverty, torture and repression, lack of civil liberties and human rights ... No Western leader does not care at all. And all have shown, continuously, without exception, for over a century. Remarks made recently by Henry Kissinger are revealing in this regard: "We've had five presidents who have considered Hosni Mubarak as the best ally of the U.S. objectives in the region. "

Just out of the archives all the statements of Western leaders who praise the Arab tyrants: their economic policies, their continued political stability, their contributions to international security, that they safeguard secularism and prevent the advance of Islamist movements ... In short, for submission to the dictates of Western financial markets and the International Monetary Fund.

This overview does only one variable: whether or not the connivance with the State of Israel. This underscores the critical role of Israel vis-à-vis the maintenance of dictatorships in the Arab world, a fact corroborated by the comments made by Netanyahu in support of Ben Ali and Mubarak as well as decades of collusion with the family Royal Saudi monarchy and other issues of colonialism. No surprise then to learn that Israeli diplomacy has done everything possible to save Mubarak. It is true that Israel has cause for concern, not only for the danger posed by the rise of political Islam, but also because the democratic governments that might arise would maintain not only their country's complicity in the genocide of the Palestinian people. The open border between Gaza and Sinai is crucial for the survival of the Palestinian people. This is a convincing argument in favor of democracy in Egypt and the Middle East! And
"Islamism" in all this? It serves as a bogeyman to justify the support of dictatorships "secularists." However, it obscures the fact that the majority of parties "Islamists" in the Arab world accepted the idea of parliamentary democracy.
An example of this paradigm is that the Muslim Brotherhood in Egypt. In 1944 the founder, Hassan al-Banna, supported the participation in parliamentary elections, saying that the Egyptian constitution was "Islamic" because it recognized that the authority resides in the people, ensured the decision-making through consultation (Shura) and respect for individual freedoms. In some of his writings, he defends parliamentary democracy: "The bases of political organization based on the system of parliamentary representation does not contradict the fundamental principles that Islam has set in organization of power. "Since its founding, the Muslim Brotherhood have repeatedly stated that their intention is not to take power, but to educate society and to influence the system for Islamic ideals in justice being implemented. Despite this, they are portrayed as villains by the media manipulation and by Western governments. (I'm not a fan of the Muslim Brotherhood, but I am against their demonization. For their positions, see their website in English).

There is talk now of returning to Tunisia Rachid al-Ghannouchi, founder and historic leader of the party-Nahda in Tunisia, after 22 years of exile. According Ghannouchi, Islam provides a more fertile than that of the West to carry out democracy. There is a book of Azam Tamimi, where he studied his thought in detail, Rachid Ghannouchi: A Democrat within Islam, published by Oxford University Press. Among his ideals: "an Islamic system based on the will of the majority, free elections, free press, minority protection, equality between laity and religious parties, and achieving complete women's rights in all areas, participation in elections to the freedom to dress as they wish, the right to divorce, and even the right to be head of state. The role of Islam is to provide an ethical system. "

An ethical system that necessarily involves the abolition of usury Financial, which provides a minimum of social services for the entire population and the establishment mechanisms that prevent the accumulation of capital in the hands of a few individuals. An equally valid for Spain than for Egypt.

In Brief: Islamist movements are champions of democracy against tyranny corrupt funded by the West. It is curious to see how the terms were reversed at the point of passing the opposition, which demands democracy, for ... absolutists, and dictators that suppress civil liberties as saviors. The world upside down? The world seen through a mass media manipulation. That is to say, from a perspective of the interests of major Western financial corporations.


Translation: Amy Fetchman

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18 - Alexis Dabin This Proudhon and mutualism February 10, 2011

Play issuance
Tier 1 PJ Proudhon
Proudhon's philosophy from what appears to be the two essential principles of his thought: Justice and mutuality.
These two concepts form the grid reading of the whole of his work . Proudhon envisaged as interpersonal relationships, economic or political relations in through the prism of these two principles. They allow him to navigate the maze of social issues and give concrete answers to the many problems affecting society.
The French Revolution is a milestone in the history of law. In the Old Regime, the society was organized hierarchically, with men were seen as inherently unequal. Proudhon said that with the French Revolution, "the spirit of morals and legislation [change] from top to bottom. More subordination of man to man, therefore more hierarchy, more church, more than dogma, more faith. " According to him, with the proclamation in 1789 of the principles of freedom and equal rights, social order is virtually transformed.

But if the Revolution was formally abolished the old social order and established the principles of a new organization of society, the revolutionaries could not deduce any practical consequences. They were unable to identify the specific rules of organization of society that guarantees everyone the freedom and equality rights. The law has not been reformed in all its branches according to newly proclaimed principles. Since this reform has not been fully resolved, the company remains the nineteenth century, in large part, subject to rules of the old legal order. The arbitrary standards, the system of privileges and social inequality that we hoped to have abolished, continue, still more virulent than under the old regime.
.............



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Mohamed Hassan: "the causes of the revolution far beyond Tunisia Ben Ali and his party. "

Tunisians brought down the dictator Ben Ali. Today, they continue to fight against his men to head the transitional government. In this new chapter of our series "Understanding the Muslim world," Mohamed Hassan * ((photo-cons) explains the implications of the revolution of Tunisia and its root causes: how nationalism Liberal advocated by Tunisia under Bourguiba interests Western, plunging people into poverty, how a repressive state has put in place to maintain this system, why dictatorships in the Arab world are caused to fall, and how Islam became the condom imperialism




http://w41k.info//48669

(Gregory Lalieu Michel Collon)


In December 2010, riots broke out in Tunisia. A month later, President Ben Ali fled the country after twenty-three year reign. What are the causes of this revolution? And why is it popular movement succeeded in bringing down the dictator where other attempts have failed?

For there to be a revolution, it is necessary that people refuse to live as before and that the ruling class is no longer able to govern as before. On December 17, 2010, Mohamed Bouazizi, a young seller of fruits and vegetables, has sacrificed out of desperation after police had confiscated his goods himself, and that local authorities have to stop working. The conditions were ripe for a revolution broke out in Tunisia Bouazizi and suicide was the trigger.

Indeed, the Tunisians did not want to live as before: they were not accepting corruption, police repression, lack of freedom, unemployment, etc.. Moreover, the ruling class could no longer govern as before. Corruption under Ben Ali had taken a phenomenal amount while the majority of the population had to face insecurity. To maintain this status, police repression would be higher but it had reached its limits. The ruling elite was completely disconnected from the people for whom there was no interlocutor. Therefore, when popular revolts broke out, the ruling class had no choice but to quell the violence. But with the determination of the people, the repression reached its limit. This is one of the keys to the success of the popular revolution of Tunisia: it managed to reach all segments of society, including members of the army and police who sympathized with the demonstrators. The repressive apparatus could no longer function as before either. If a revolt occurs but is not able to combine different segments society, it can not lead a revolution.

Even after the departure of Ben Ali, the protests continue. The situation that Tunisians refuse is not the result of one man? For

signs "Ben Ali emerges" signs were followed by "CDR releases. Tunisians are attacking the president's political party because they fear that one of his men to take power. But in reality, the root causes that led to revolt Tunisians far outweigh Ben Ali and the RCD. It is not enough to turn the president for the people earns his freedom and improves living conditions.

corruption, unemployment, social inequality ... What are the effects of imperialist domination of the West over Tunisia. For Tunisia, after independence, became a project of the United States.

What do you mean by imperialism?


Imperialism is the process by which capitalist powers politically and economically dominated by foreign countries. Western multinationals plunder the resources of Africa, Latin America and Asia. They find opportunities for capital they will accumulate and exploit cheap labor market. I say that multinationals are not buying as they plunder the resources at their fair value and the local people not benefiting from these riches. And this looting would not be possible if these countries operated, there were no leaders to defend the interests of multinationals. These leaders are getting richer in the process. They constitute the so-called comprador bourgeoisie. They have no political vision for their own country does not produce wealth and do not develop a real economy. But personally enriched by trading resources their countries with multinationals. Obviously, the people are the biggest victim in all this!

When you're a nationalist anti-imperialist cons, you are looking to develop for yourself. You nationalize key sectors of your economy, rather than leaving the management to foreign companies. This will create a national economy in the country and you allow it to grow on the basis of independence. That's what I call a national democratic revolution: national independent because of the imperialist powers, democratic as against feudalism and the elements reactionaries in the country.

However, Bourguiba, Tunisia's first president, was considered a socialist. And during his reign, the state played a very important role in the economy.


Bourguiba's political party was socialist in name only. If the state played an important role, it was only for the benefit of an elite only. This is called state capitalism. In addition, Bourguiba has systematically eliminated all the progressive elements and anti-imperialist in his party. So that this party became the party of one man, completely subject to U.S. imperialism.

Habib Bourguiba , great actor in the struggle for independence, was president of Tunisia from 1957 to 1987


What Was Tunisia important for the United States?

To understand the importance of that country to the U.S. strategy, we must analyze the political context of the Arab world in years 50 and 60. In 1952, officers overthrew the monarchy of King Farouk of Egypt and proclaim a republic. With Nasser at the helm Egypt becomes the basis of Arab nationalism inspired with revolutionary ideas of socialism. As evidenced by the nationalization of the Suez Canal, Nasser's arrival in power is a blow to the West because the Egyptian president's policy is totally at odds with the hegemonic Western powers in the Near and Middle East. Worse still: the anti-imperialist ideas of Nasser are emulated in the region. In Yemen for example, where in 1962 a revolution divided the country, the South becoming a bastion of Arab revolutionary movement. The same year, the independence of Algeria sends a strong signal to Africa and the Third World, the imperialist powers put on alert. Libya also note the Qaddafi coup in 1969. The colonel took power and nationalized major sectors of the economy, to the chagrin of the West. The same year, the Islamic revolution in Iran toppled the Shah, one of the most important pillars of U.S. strategy in the Middle East.

short, at that time, an anti-imperialist movement defies strong strategic interests of the United States in the Arab world. Fortunately for Washington, all countries in the region do not follow the path of Nasser. It the case of Tunisia. In 1957, a year after the independence of Tunisia, Bourguiba was one of the first Arab leaders to send U.S. in the prestigious journal, Foreign Affairs. The title of the article? Nationalism best antidote to communism. For the United States who want to counter the influence of Nasser is a godsend! Bourguiba wrote in his article: "With the regard, Tunisia has chosen to make unequivocal its way into the free world from the West." We are in the Cold War. The Soviets argued that Nasser's influence grows in the region. And the U.S. needs pro-imperialist agents Bourguiba as not to lose strategic control of the Arab world.

Nasser announced the nationalization of the Suez Canal in 1956

Can we be both nationalist and pro-imperialist?

Bourguiba was a liberal nationalist with anti-communist ideas which led him to join the imperialist camp in the West. In fact, I feel like George Padmore Bourguiba Arabic. Padmore was a leading Pan-Caribbean origin. In 1956 he wrote a book called Pan-Africanism or Communism: The battle ahead in Africa. Like Bourguiba, he fed anti-communist ideas and even if he declared himself a nationalist, his political vision was largely subservient to the interests of imperialist powers. Nationalism served as a cover, their policy is far from being independent. Padmore had a great influence on the first president of Ghana, Kwame Nkrumah, one of the instigators of the African Union. Its pro-imperialist ideas were able to spread across the continent with the result that we see today is celebrated around the golden jubilee of independence in Africa, but many Africans know they have never become independent. President Nkrumah himself later regretted having taken the advice of Padmore.

In Tunisia too, the submission to imperialist interests has quickly been felt and it turned out that nationalism advocated by Bourguiba was a facade. In the 70s, for example, the President has passed a series of measures intended to attract foreign investors: tax exemption on company profits for ten years, exemption from all duties and taxes for twenty years, exemption from Tax Income property values, etc.. Tunisia has become a vast workshop of Western multinationals in recent repatriation of profits.

Tunisia did she not still been some good progress under Bourguiba?

Yes, there have been positive developments: education, status of women, etc.. First, because Tunisia were the progressives in his elite players, but they were quickly dismissed. Then, because Tunisia was to be dressed in his finest dress. Indeed, this country played a major role in the strategy of the United States to counter the influence of communism in the Arab world. But what had you on the other side? Progressive revolutionary movements that had toppled backward and monarchies who enjoyed popular support. You could not counteract this movement by advocating a feudal system. Saudi Arabia has done so because it could use its oil money for that. But Tunisia, unable to rely on such resources, should provide some progressive image. In the fight against communism, it was supposed to represent a successful Third World countries have chosen the path of liberal nationalism.

But behind the scenes was less flattering. As I said, Bourguiba has systematically eliminated the progressive elements that do not follow his steps. The anti-imperialists who wanted an independent Tunisia both economically and politically, those who wanted to assert their own position in the Third World and the Israeli-Palestinian conflict, all were opposed. Tunisia has in fact been used as a laboratory of the imperialist powers. And what was supposed to represent the success of liberal nationalism has become a dictatorship.

When Ben Ali Bourguiba succeeded in 1987, he continues on the same track?


Absolutely. One can even say that the submission to Western interests has grown. Ben Ali was a pure agent of U.S. imperialism. In 1980, as ambassador to Poland, he even served as a liaison between the CIA and Lech Walesa, the union leader who fought against the Soviet Union.

In 1987, when Ben Ali assumed the presidency of Tunisia, the country was deeply in debt by the capitalist crisis of 1973. Moreover, at that time, the ideas of Milton Friedman and his Chicago Boys were very popular. These ultra-liberal economists believed that the market is an entity capable of regulating themselves and that the state should certainly not interfere in the economy. The technical elite Tunisian largely from U.S. schools were highly influenced by theories of Friedman. Ben Ali then left the state capitalism in effect at the beginning of the era Bourguiba. Under the supervision of the IMF and World Bank, he began a privatization program much more massive than what his predecessor had already begun in the 70s.

What were the effects of this new economic policy?


First, privatization of the Tunisian economy has allowed Ben Ali and his wife's family, Trabelsi, personal enrichment. Corruption has reached a very high level, Tunisia has become a country totally subservient to imperialism, headed by a comprador bourgeoisie. Obviously, Ben Ali and his clan did not have many raw materials to selling out to Western multinationals. But they took advantage of the education system established under Bourguiba to develop a service economy. Indeed, the Tunisian workforce is highly educated and inexpensive at a time. It therefore attracts foreign investors.

Tourism has also developed strong as to become the mainstay of the Tunisian economy. Here we see the lack of political vision of the elite. Indeed, no country can develop its economy based on tourism if not first developed a national economic base. The tourism industry consumes a lot but reported very little to the Tunisian people. Imagine: while Western tourists consume hectoliters of water to bask in pools, Jacuzzis or golf course, the poor peasants in the south face of the drying soil.

But it's not just the farmers who have suffered from this policy. Overall, the social conditions of the Tunisian people deteriorated while the president's entourage has amassed a huge fortune. Everyone knew the regime was corrupt. So to maintain this system, the system should prevent any disputes. The repression became even more brutal penny Ben Ali simple criticism or even the desire for modernity and openness were not allowed. Such a situation could lead to popular revolt. Moreover, trying to monopolize his clan the wealth of the country, Ben Ali has also drew the ire of some of the traditional bourgeois Tunisia.


You say that political repression was very strong. Is there anyway today, opposition forces can guide the people's revolution now that Ben Ali has fallen?

Genuine opposition parties were banned under Ben Ali. However, some continued to exist underground. For example, the first Tunisian Communist Party could not live openly and organize like any political party in a democracy. But he continued to operate secretly through associations of civil society (teachers, farmers, doctors, prisoners ...). The PGWPP was able to form a social base and fired a solid experience of this period. It is exceptional in the Arab world.

I think two major challenges now await the opposition parties. First, they must come forward and make themselves known to the general public in Tunisia. Then they must organize a united front of resistance to imperialism. In fact, the imperialist powers seek to maintain the system without Ben Ali Ben Ali. We see now with the Union government National rejected the Tunisians, which is very positive. But the imperialist powers will not stop there. They will certainly seek to impose an International Electoral Commission to support candidates who defend to their best interests. It is therefore necessary to resist interference by creating a united front to build a true democracy.


Opposition parties are they able to overcome their differences to create such a front?

I know that some political parties were reluctant to associate Islamo-nationalist movement Ennahda. This movement emerged in the 80s. He advocated an anti-imperialist line and in fact, has suffered political repression. Why not combine Ennahda in front of resistance to the interference of foreign powers? Tunisia is a Muslim country. It is normal that a political force emerges with an Islamo-nationalist trend. You can not prevent that.

But each of these movements must be studied separately, with its own specificities. This was done by the communist PGWPP. They studied scientifically objective conditions that apply Tunisia. Their conclusion is that the Communists and Islamo-nationalists have been victims of political repression and that even though their programs differ, they share common ground: they want an end to dictatorship and the independence of Tunisia. The Communists have proposed an alliance with the Islamo-nationalists long ago. Of course, the PGWPP does not make Tunisia a Islamic state. Its political agenda is different from that of al-Nahda. But it is the Tunisian people who will judge these differences democratically. Elections should be a contest open to everyone. That is true democracy.

Precisely opposition parties gathered in front of 14 January to fight against the interim government of Mohamed Ghannouchi, a henchman of former President Ben Ali. A hopeful sign?

Absolutely, Tunisia is on the right track: all opposition parties banned so far have created a united front to prevent the system is maintained without Ben Ali Ben Ali. Also underline the role played by the base of the union UGTT. The head of the union authorized under Ben Ali was corrupt and working with the state police. But since the basis of the union put pressure on its leaders and members who UGTT were part of the transitional government have resigned. Although much remains to be done, democracy wins Tunisian institutions under pressure from the people.

Western powers opposed to that. They want to impose democracy in Tunisia where only low-intensity "good" candidates would be allowed to stand for election. If you look at the type of democracy that the United States enjoy, you come across Ethiopia. The U.S. government has provided $ 983 million to countries in the Horn of Africa for the year 2010. That same year, Prime Minister Meles Zenawi, in office since 16 years, was reelected with 99.5 percent of the vote! It's even better than Ben Ali! The reality is this: behind their rhetoric in support of the Tunisian people, the Western powers continue to actively support many other Ben Ali in the world.

The United States could not they support other candidates pro-imperialist, but in the eyes of Tunisians, were not associated with the Ben Ali era?

It would be difficult. There is a part of the comprador bourgeoisie which was lésinée by the corrupt system of Ben Ali. But this elite is not strong enough control the popular movement and not enough grounding in the Establishment to win.

The United States had also thought of another strategy: a few months ago, while Ben Ali was still in power, the U.S. ambassador has visited a Communist leader in prison. Officially, a simple observation visit in the framework of respect for human rights. Unofficially, the U.S. anticipated the departure of Ben Ali and wanted to test the waters. Their goal was to get the Communists against the Islamo-nationalists, divide the resistance to imperialism to weaken more. But the Communists Tunisia does not fall into the trap. They are very familiar with the strategy developed by Henry Kissinger in the 80s in the Middle East. They published a very good study on the subject and know they should not take orders from outside or adhere to ideologies manufactured by foreign powers.

Why the U.S. have they abandoned Ben Ali? Had he gone too far in personal enrichment? According to a cable Wikileaks, the U.S. ambassador was very critical of the system of quasi-mafioso Tunisian president, organized corruption are obstacles to investments by foreign companies.

This is not the problem. The United States does not care about corruption. Instead, it is a key element of the system of domination on the U.S. South. In fact, Washington was aware of the internal situation in Tunisia and knew that Ben Ali would not be able to govern. The West must now ensure that the replacement of Ben Ali will continue to defend their interests. The stakes are high. The capitalist crisis is causing serious problems in the West. Besides this, China is getting stronger and now provides more loans than the World Bank and other imperialist powers combined. She even wants to buy a significant portion of the debt of the euro area partly because it has economic interests with European countries, on the other imperialist powers to divide, the EU is historically associated with states USA.

In such a context, the Tunisian people's movement, under the auspices of a revolutionary leadership, could establish an independent government and take advantage of this situation of a multipolar world. The imperialist powers fear that countries that were traditionally under his rule become economically independent, turning also to China. Tunisia could build relationships with the Asian giant to develop its commercial ports. And it would seriously question the concept of the Mediterranean Dialogue, this expansion of NATO to the countries of the Mediterranean that is not a dialogue but a mere instrument of Western domination.

Another country that seems to fear democracy in Tunisia and in the region, Israel. Deputy Prime Minister Silvan Shalom said shortly after the fall of Ben Ali that the development of democracy in Arab countries threaten Israel's security. This country often called only democracy in the Middle East, would he be afraid of competition?

Under a democratic facade, Israel is a fascist, apartheid state. In the region, it can not ally with repressive dictatorial states, led by comprador bourgeoisie that weaken the body of the Arab nation. Currently, these Arab states are rich countries inhabited by poor people. But if a democratic government in the full sense of the term emerges, it will increase economically the Arab nation as a whole. And this economic development will lead to an alliance of Arab countries against the state racist oppressing the Palestinians. Israel fears this course.

Moreover, there is a very big gap between the official positions of Arab dictatorships and the popular sentiment about the Israeli-Palestinian conflict. Since Egyptian President Sadat visited Israel in 1977, Egypt's position is "we want peace." But it is a position imposed by force to the population. And the current Egyptian government is not content to maintain peaceful relations with Tel Aviv. It participates actively in the strangulation of Gaza, while the majority of Egyptians in solidarity with Palestinians.

It's the same alignment of Arab dictatorships on Washington politics. Tunisia, Saudi Arabia and Egypt are allies of the United States while the populations of these countries are anti-imperialists. I was in Egypt when Muntadhar al-Zaidi, a journalist in Iraq, threw his shoes on George W. Bush. The Egyptian population was celebrated as a hero. I heard of fathers wanting to marry their daughter with the reporter. Still, Egyptian President Hosni Mubarak is one of the most faithful allies of Washington.

Do you think the revolution Tunisia a domino effect could cause the downfall of other dictatorships in the Arab world?

70% of the population in Arab countries is less than thirty years and knows that unemployment, police repression and corruption. But all these young people want to live. And to live, they need change. This is the reality of each country. It is therefore not even need a domino effect, the objective conditions are ripe for further revolutions erupt.

People no longer want to live as before. But for their part, the ruling classes are they unable to govern as before?

course. And we see in Egypt today. There are police everywhere in this country. But it is impossible to control everything. A state police has its limitations and the Arab world have reached.

Furthermore, information plays a very important role today. Tunisians, Egyptians and peoples of the Third World are better informed through Al-Jazeera as part of an Internet and social networks on the other. The evolution of information technology has increased the level of education and consciousness of people. The people no longer a mass of illiterate peasants. You have a lot of very smart young people, with a certain practical sense, able to circumvent censorship and of mobilizing the Internet.

there in these countries the opposition forces can guide the popular revolutions?

Why Punishment is so important if these dictators were not in danger? Why the comprador bourgeoisie, so greedy, she would spend so much money in the repressive apparatus if she was not afraid to be reversed? If there was no opposition, all this would not be necessary.

the side of Western observers, many fear that the collapse of these regimes Arab favors the rise of Islamism. As summarized so finely Christophe Barbier, editor of L'Express, "Ben Ali is better than the bearded." These fears proved on of Islamism are they based?

Islamism became the condom of imperialism. Western powers justify their strategy of domination in the Arab-Muslim world under the guise of fighting against Islam. There are Islamists everywhere today. Soon, we shall find even traces of Al-Qaeda on Mars if it is useful to the imperialists!

In reality, the West has always needed to invent an enemy to justify its hegemonic designs and incredible military spending (financed by taxpayers). After the fall of the Soviet Union and the demise of the communist enemy is Islam and Al Qaeda who have played the roles of villains villains.

But the West has no problem with Islamism. It adapts very well to this trend in countries like Saudi Arabia. Moreover, he himself fostered the rise of Islamist movements to counter the Arab nationalism at a time. The real problem for the West is anti-imperialism. That's why he tries to discredit any popular movement in the Arab world who is opposed to its interests by affixing the label "Islamist."

Finally, it should not be very smart to think that the Arab dictatorships are bulwarks against the rise of religious fanaticism. Instead, these repressive regimes have led some of the population to be radicalized. Who could afford to say that such and such people have no right to democracy? In a truly democratic country, different political forces may emerge. But the bourgeoisie comprador ruling in the Arab dictatorships can not convince people. She can not even face to face. To defend the imperialist interests, you must prevent other political forces to emerge because they are likely to convince the people against a corrupt elite. The West has always sought to maintain dictatorships that served its interests by waving the specter of Islamism. But the Arab peoples need democracy. They claim it today and nobody can not go against these claims.

Source: www.michelcollon.info
          How To Repair A Torn Couch   
Lures & Revolutions

What happens in the Maghreb, Egypt is probably a prelude, predators waiting for their time: these insurgencies are for them, as once were the struggles of American countries South, a field of experimentation. Become cumbersome, the Ben Ali Mubarak and other (member of the International Socialist! As DSK, as Ségolène!) Will be replaced by Democrats on their own blessed by the IMF and technocrats dismal. As we will rely on the current economic system will not change anything in depth because it is the source of deadly disturbances of humanity as a whole.

All cases we defend not they come here? Address the profound evil does he not return to drastically change my lifestyle? Give yourself the luxury of denying that the neighbors poor, hitherto ignored, can live decently. Solidarity that is shared, like bread, like a handshake, like a poem, like ideas and wealth too. Let's start by sweeping our doorstep. Globalization? I felt like an illusion, an ideology of standardization and formatting of the masses. An insurgency is not a revolution: the first is the result of a situation had become intolerable while the second, in essence, is the long term, by mobilizing more than the civic conscience which should be central to any process and any political action. The game of global governance that is taking place is to discredit political thought (which has nothing to do with an ideological construct). Let us not forget that capitalism is the result of an ideology (with its strategies, policy makers and police), and in this respect is comparable to Stalinism which was only a state capitalism totalitarian. And this is capitalism, we do not too worried, is not it, when rampant in the Arab and African held an iron fist by dictators orders of multinational corporations, guided by foreign secret services. Dream holiday in Hammamet Marrakech or for a nominal price, which in the wings, has a price in human lives.

unbridled consumption, a synonym for huge profits, which suck the vast majority of people, today revealed its limitations and the risks it is incurring imminent future generations. Market forces, as we bombard the singers of the single thought, were only dressing a hateful ideology has continued to crush the living beauty of the values common to all cultures.

" That the Earth is pretty " said the poet Armand Robin, "No need also flowers!"


G. Hadey
          Zumba Before And After Picutures   
Democratic Transition in Tunisia

"Tunisia is between radical and authoritarian democracy"
EROS BY SANA (January 31, 2011)

Source: http://www.bastamag .net/article1401.html

How to build the democratic transition in Tunisia? Vincent Geisser, a researcher at the Institute for Research and Studies on the Arab and Muslim world, analyzes the role played by different actors in Tunisia - political opponents, former regime of Ben Ali, "Islamist" party, army, police - and foreign powers. It describes possible scenarios of democratic consolidation in the coming weeks. Maintenance.

Basta! : Where is the revolution in Tunisia? What are the strategies of the opposing forces to build the "transition Democratic?

Vincent Geisser [1]: The "democrats" Tunisians who supported and accompanied the revolution are deeply divided over the future of the protest movement. There are those who feel the need to strengthen the nascent democracy by putting a definitive end to the protest process. They are supporters of a certain security standards, based on a historic compromise between the "doves" of the former regime, opponents and independent representatives UGTT single union (the General Union of Tunisian Workers). They want to consolidate the democratic transition, including by dealing with the army and the party more "healthy" of the security apparatus, as well as some former bosses of the regime known for their "openness." This is the position advocated by Najib Chebbi (Democratic Progressive Party), former opponent in Ben Ali, currently Minister of the transitional government.

Others want to eradicate all traces of the old regime and the party-state, and reject any compromise. This is where supporters of Marzouki (Congress for the Republic) and members of the Communist Party of Tunisian Workers (POCT). And of course leaders movement of "unemployed graduates" of the interior. They wish to push through the "democratic revolution" to give birth to a new political, economic and social development. Both camps have no real difference in political culture, they are animated by democratic ideals. What separates them fundamentally, the strategy of rupture and especially the "democracy agenda".

What remains of the old regime?


There is some disappointment today protesting actors, quite understandable - I think particularly young people "unemployed graduates". But there is no objective risk of returning to the old regime or system restore mafia. A break has occurred. The dictator is gone. This is a crucial element when it is known that while Tunisia was around him, with extreme personalization of power. mafia clans and profiteers - families Ben Ali, Trabelsi and others - have fled. Darkest segments of the security apparatus were largely dismantled.

If we can legitimately understand the disappointment of " radical democrats, "as Marzouki, Hammami, Nasraoui, and unemployed graduates who feel that their revolution was stolen, the former regime is ousted. We are in a transition phase. But this transition can lead to a regime that bastard would an independent candidate access to presidential power, with new elements but also with elements of the old regime. This will lead to reinforce a kind of "authoritarian democracy" or "democratic authoritarianism".

What role did the Tunisian army played in the revolution and what role can it play in the future?

The army has been in recent weeks a fundamental role, not supporting the plan of repression of Ben Ali. She clearly rejected the extreme policies of the supreme leader, and instead played a protective role players protesters. The reason? The army is not connected with the mafia and clan interests of power. Unlike Egypt, Syria or even Algeria, Tunisia army has no direct interest in industry or in the management of oil revenues. It is an army of about 35,000 men, composed of employees, officials, technicians and engineers.

should not be provided to paint a romantic portrait. The Tunisian army played a repressive role in 1978 to channel the social movements, and in 1981 and 1984 to quell the "bread riots". This time, she refused the role because the sources of legitimacy of the regime were exhausted. Ben Ali was discredited, corruption was widespread. Faced with this stalemate, the military has understood that the only solution was to replace the dictator.

This reaction - some would say "Republican" - is primarily dictated by pragmatic: generals and senior officers are convinced that a crackdown could lead to chaos and their own demise. As the "political fluidity" present, the Tunisian army can play a more important role in the constitutional process and the "pacification" social, oscillating between registry and registry security mediation with the forces of the country.

"security apparatus" Tunisia is it still present and operational?

France has 60 million inhabitants, Tunisia 9 million. Yet both countries have almost the same number of police officers: 135.000. is huge! Tunisia is one of the countries with the most police per capita. The security apparatus, through the Ministry of Interior is fully engaged in repression. Part of the police fired into the crowd with live ammunition. It is the security apparatus of Ben Ali who is responsible for nearly 70 deaths officially deplored and thousands injured. But the whole apparatus police is not corrupt: the "rotten" mafia of the security apparatus was largely dismantled.

There is more to fear from areas of the Department of the Interior directly to the clans and Ben Ali Trabelsi. They are currently in hiding. I do not believe in a return of "old demons" even if the future Tunisian democracy can deal with safety trends similar to those we see now in France with Nicolas Sarkozy. In this sense there is a danger of creating in Tunisia in the coming months an "authoritarian democracy".

What role can the "Islamists" in the democratic process?


The "Islamists" Tunisians have long been integrated into "democratic forums." They are "fundamentalists embedded" in the democratic debate in exile. They participated in Paris, London, Marseille numerous opposition rallies, alongside the left, communist, socialist, even anti-Islamic. Many leaders of the left Tunisian 'secular' leaders have frequently met with "Islamists". In many ways the 'fundamentalists' are already integrated into the political game of Tunisia.

For the party Ennahdha (Renaissance) Rached Ghannouchi, the model is not radical Islam or Islamism Salafi Saudi-style, but the AKP, which currently leads Turkey. This means accepting the parliamentary game and advocating economic liberalism tinged social, and especially a certain pragmatism with other Democrats. There is a huge myth about "Islamists" of Tunisia. The party Ennahdha is more of a liberal conservative party, which is not at all in a process of creating an Islamic state or Islamic theocracy. The Islamists classic "Tunisians are now looking to Ankara, they did nothing" green fascists. " How

react today Western countries and Arab neighbors?


The United States has played a leading role in the departure of Ben Ali.
support President Barack Obama to the social movement, even if he was shy, was much sharper than that of France. Beyond this symbolic support, it would seem that the Obama administration has given its support to the Tunisian army and "doves" of the regime (Mohamed Ghannouchi, Prime Minister and Kamel Morjane, the Minister of Foreign Affairs) to sacrifice Ben Ali. It is clear that the United States supported the transition scenario.

Regarding the Arab countries, we can really worry that some plans make every effort to derail the democratic process in Tunisia. Saudi Arabia, Libya, Algeria has no interest in a democracy can arise in the Arab world. A "loose coalition" of Arab dictators could be to sabotage or disrupt the democratic process in Tunisia.

Support from U.S., EU and France to Tunisian Democrats is essential. Either you play the card of democracy in the Arab world or, rather, play an ambiguous role and promotes the perverse game of Saudi Wahhabis, the megalomaniac dictatorship of the regime of Gaddafi and Algerian generals. In this case, we should not complain about the progress of the Salafist jihadist ideology!

How Does France have made such errors of analysis on the situation of Tunisia?

The official position of France was not based on an error analysis, but on a political logic of total and blind support for Ben Ali regime. Interpret the statements of Michele Alliot-Marie as a political mistake is wrong. This is not a political mistake, this is a failing policy. France has always supported authoritarian regimes . She believes that one does diplomacy in relations between States and civil societies are not important.

The United States have both supported Ben Ali and developed concrete relations with unions and all the dissidents of the regime. In contrast, France has always prohibited its diplomacy to have any contact with everything that could affect the quality of its relations with Ben Ali. This blindness is the logic of French policy towards the Arab world: "We support dictators against the risks of destabilization! It seems that France has included a number of mistakes. Hopefully it reorients its policy towards Tunisia openly supporting the democratic process.

What are the possible scenarios in the weeks and months ahead?

Tunisia has a choice between two options. Either authoritarian democratic consolidation that would lead the country until elections, with a broad coalition around an opponent as independent Nejib Chebbi (PDP), with some elements of former regime elements and the trade union left. In this case, the elections will certainly be "democratic" (at least in appearance), but the scenario is first "programmed" the government candidate will have particular ways superior to those of its opponents. This scenario of "managed democracy" is intended to protect Western interests and pursue the integration of Tunisia in the "world economy" in the footsteps of the Bank World Bank and the IMF. A scenario where the candidate would be a sort of "Tunisian Ouattara.

Another assumption: the pressure of the street continues or increases and pushes the government to resign or to go much further, with the dissolution of the party of Ben Ali (RCD), the establishment of a genuine process with the constitutional election of a constituent assembly. Total semi-democracy or democracy? Radical break with the old regime or consolidation autoritaro-democratic? This is how I would put the political future of Tunisia. A future which, in all cases, will be without Ben Ali.

Interview by Eros Sana



Notes [1] Vincent Geisser is a sociologist and researcher at the CNRS and the Institute for Research and Studies on the Arab and Muslim world (IREMAM). He is author, with Marzouki, dictators on borrowed time. A democratic path in the Arab world, editions of L'Atelier, 2009.

          Bichara dice informe Punta Catalina permite no confundir a la población sobre costo y precios    

SANTO DOMINGO. La Central Termoeléctrica Punta Catalina debe hacernos sentir satisfechos, por su significado y por cómo fue contratada. El informe presentado por la comisión creada mediante el decreto 6-17 permitió a la ciudadanía entender el proyecto.

Estas consideraciones fueron emitidas por el vicepresidente ejecutivo de la CDEEE, Rubén Jiménez Bichara, al ser entrevistado en Telenoticias, canal 11, donde afirmó que la población “comprendió por qué el proyecto se tomó seis meses estudiándolo y profundizándolo”.

Valoró como importantes las sugerencias presentadas por la comisión encargada de investigar la licitación y adjudicación, la cual está integrada por monseñor Agripino Núñez Collado, el pastor Jorge Alberto Reynoso, los empresarios Pedro Brache Álvarez y José Luis Corripio (Pepín). Asimismo, el dirigente sindicalista Gabriel Del Río Doñé y el vicepresidente de la Fundación Institucionalidad y Justicia, Servio Tulio Castaños.

Del mismo modo, el presidente de la Sociedad Dominicana de Diarios, Persio Maldonado y el economista, Jaime Aristy Escuder. Junto a ellos, el exvicepresidente ejecutivo de la CDEEE, Celso Marranzini.

Jiménez Bichara lamentó que se haya querido confundir a las y los ciudadanos con informaciones sobre costos y precios.

“Todos los estudios técnicos de firmas internacionales dan cuenta del buen precio a que fue contratada Punta Catalina”.

La firma FTI Consulting concluyó que la licitación fue transparente y siguió las leyes dominicanas. Igualmente, que las propuestas presentadas fueron evaluadas consistentemente.

Asegura que el Gobierno ha hecho un gran esfuerzo para continuar el desarrollo de la obra que representará un ahorro anual de US$450 millones.

La construcción de Punta Catalina nunca se ha detenido y ya tiene un nivel de construcción de un 78 por ciento. “La ingeniería de la obra está en un 96 por ciento y los equipos principales de la planta están en un 98 por ciento”.

Propuestas deben respetar intereses del país

“No creo que haya en la región de Latinoamérica una planta con la calidad de Punta Catalina”.

Respecto a cualquier propuesta del sector privado para invertir en el proyecto, dijo que deberá respetar los intereses del país. Asimismo, “que no se arriesguen los objetivos que dieron origen a Punta Catalina”.

Diversificación de matriz a precios sostenibles

Esta central busca adicionar generación al sistema eléctrico interconectado a precios sostenibles. La finalidad es un sistema de servicio ininterrumpido de 24 horas para el desarrollo del país.

Primera unidad lista para junio del 2018

El cronograma de entrega actual, coloca la primera unidad de la obra para junio o julio del 2018. En tanto, la segunda unidad estaría lista para diciembre de ese mismo año.

La central está ubicada en el distrito municipal de Catalina, Baní. Se construyó en esa zona porque se habían hecho diseños de plantas de generación y estudios previos.

La urgencia era desarrollar 600 megavatios para poder abastecer la creciente demanda de generación, que en estos momentos se coloca en 125 megavatios por año.

La Central Termoeléctrica Punta Catalina está integrada por dos unidades de 337.4 megavatios cada una. Generará energía a partir de la quema limpia de carbón pulverizado. El 40 por ciento de la energía producida en el mundo es a partir de ese mineral.

Punta Catalina contribuirá, además, a reducir el 98% de las emisiones de gases. Se logrará a través de un purificador AQCS y la siembra de 1, 500,000 plantas de caoba.

Esta construcción ha generado más de 6,400 empleos. El 98 por ciento de la mano de obra es dominicana.


          Weekly Economic News Roundup: From Protecting Tequila to Saving the USPS   
Weekly Economic News Roundup: From Protecting Tequila to Saving the USPS

Weekly News Roundup

     

Sunday 06.25.17
Deciding whether an Alaskan island deserves mail delivery…

     

Monday 06.26.17
Where a drive-thru makes a new marijuana market…

             

Tuesday 06.27.17
When the real meaning of tequila matters…

           

Wednesday 06.28.17
Why toilet tissue is a part of your social score…
 

                 

Thursday 06.29.17
#TBT When men always paid for the first date…

                 
 

Friday 06.30.17
What the app economy says about innovation…

 

Read more >


          The Plural of Anecdote is Not Data   

The most common corporate buzzwords that I’ve been hearing over the last year are “transformation and “disrupt”. Companies are focusing on how to create a competitive advantage in this tough economic downturn. Markets have been shrinking during this 22 month recession and any advantage must come from focusing on business infrastructure in the reduction of . . . → Read More: The Plural of Anecdote is Not Data

          Death By PowerPoint   

We’ve all sat through long presentations that left us wondering how to get that fraction of our lives back. You know, those “FYI” presentations that are often more self aggrandizing than informative. During this economic downturn, I have seen an increased number of internal company business communications that have made me wonder who the target . . . → Read More: Death By PowerPoint

          Struggling to get answers to your GST queries? Here is your 100-point guide - ET: Policy   
These questions cover various aspects such as registration, refund, supply, input tax credit, composition scheme, transition, invoice, exports and state GST.
          Server/Bartender - Playa Cabana - Mas Playas - Toronto, ON   
We will be conducting interviews from May 18th onwards. Playa Cabana Cocina Economica.... $9.90 an hour
From Indeed - Wed, 17 May 2017 20:02:09 GMT - View all Toronto, ON jobs
          ANC Policy Conference: From the 2nd phase of the transition to Radical Economic Transformation, the race begins   
Exactly five years ago, before radical economic transformation, state capture and white monopoly became buzzwords, the big debate in the ANC was about which phases of what transition South Africa was in. You might have forgotten exactly who won, because the winners then became the losers and in the end it probably didn’t matter that much anyway. How will it feature at this weekend’s policy conference? By CARIEN DU PLESSIS.
          Public Protector can’t order the Constitution to change, Gigaba states   
Finance Minister Malusi Gigaba said on Friday that the Public Protector doesn’t have the power to order a change in the Constitution. Speaking ahead of the ANC’s policy conference, he said the economy needed a boost and it needed it now. By GREG NICOLSON.
          ANC Policy Conference: From the 2nd phase of the transition to Radical Economic Transformation, the race begins   
Exactly five years ago, before radical economic transformation, state capture and white monopoly became buzzwords, the big debate in the ANC was about which phases of what transition South Africa was in. You might have forgotten exactly who won, because the winners then became the losers and in the end it probably didn’t matter that much anyway. How will it feature at this weekend’s policy conference? By CARIEN DU PLESSIS.
          Analysis: ANC policy, radical economic transformation and ideological proxy battles for control   
The ANC policy conference gets under way on Friday against a background of factionalism, dissatisfaction over President Jacob Zuma in many circles, and vocal support in others, amid #GuptaLeaks and a tough economic environment that is shedding jobs. Many of the policy discussion documents include self-reflexive analysis of the current situation. It’s just on the solutions and implementation that there’s fudginess and inertia, highlighted throughout documents with repeated references to yet-to-be-implemented resolutions taken as far back as the 2007 Polokwane national conference. And so it’s not really about policy, but ideology, with the radical economic transformation narrative as the proxy battle within the ANC. By MARIANNE MERTEN.
          HORA DE ENFRENTAR FACEBOOK E GOOGLE?   


Punição da União Europeia e estudo independente reconhecem: os dois gigantes querem cercar a internet e eliminar sua diversidade. Mas como frear seu poder?

Rafael A. F. Zanatta | Outras Palavras

Essa semana, Google e Facebook – dois dos maiores gigantes do capitalismo de vigilância contemporâneo – sofreram duros golpes em suas reputações corporativas, abrindo um debate mundial sobre a ética de suas ações e as vulnerabilidades de nossa dependência a esses monopólios da era digital.

Na terça-feira (27/06), a Comissão Europeia impôs uma multa de quase 9 bilhões de reais ao Google por “abuso de posição dominante como motor de busca” e “por dar vantagem ilegal a seu próprio serviço de compras comparativas”. Trata-se da maior punição antitruste a uma única empresa já realizada na Europa.

As investigações foram conduzidas por Margrethe Vestager, comissária da União Europeia para defesa da concorrência (e forte liderança do Partido Social-Liberal da Dinamarca). Ela revelou que oGoogle situava sistematicamente em lugar destacado seus próprios serviços de compras comparativas, “colocando em lugar pior os serviços de comparação rivais nos resultados de busca”. Para a comissária, o Google “ocupa uma posição dominante nos mercados de busca de internet no Espaço Econômico Europeu” e, com suas práticas de manipulação, “abusou da posição dominante dando a seus próprios serviços uma vantagem ilegal”.

Em um processo de investigação sigiloso, realizado desde 2014, Vestager reuniu um amplo conjunto de provas, incluindo 5,2 terabytes de resultados de busca (1.700 milhões de consultas), experimentos e estudos que demonstravam a visibilidade e o comportamento de consumidores em número de cliques, dados financeiros da Google e seus competidores e o declínio de acessos em websites europeus.

Para analistas do Financial Times, a decisão é um divisor de águas na regulação antitruste aplicada à “nova geração de empresas de tecnologia dominantes dos Estados Unidos”. Um terço da receita do Google com publicidade em buscas na Europa vem dos anúncios de compras que foram analisadas pela União Europeia. A decisão, enfim, “abre o coração do mecanismo de busca do Google” e possibilita o debate sobre como outros poderão utilizar seu mecanismo para conseguir uma melhor exposição.

Para quem se recorda do chamado de Richard Sennett de 2013 para “quebrar o poder de mercado do Google”, a decisão reabre um debate sobre monopólios na era digital. “A dominação é real e deve ser combatida”, dizia Sennett, por mais que essas empresas nos pareçam boazinhas.

Na quarta-feira (28/06), o centro independente de investigação ProPublica divulgou documentos internos do Facebook sobre o modo como seus 2 bilhões de usuários têm seus discursos avaliados, passando por filtros de censura sobre o que poderia configurar “discurso de ódio”.

De acordo com a denúncia do ProPublica, os algoritmos – fórmulas matemáticas que executam ações e comandos – do Facebook geram resultados socialmente questionáveis, assegurando os direitos de grupos com posições sociais asseguradas (como homens brancos) e desprotegendo grupos minoritários (crianças negras, por exemplo). Documentos internos vazados da empresa mostram que revisores de conteúdo eram orientados a trabalhar com uma fórmula simples (protected category + attack = hate speech). “Sexo” e “identidade de gênero”, por exemplo, são consideradas categorias protegidas, ao passo que “idade” e “ocupação” não. Como a fórmula exige uma dupla combinação de categorias protegidas (PC + PC = PC), discursos voltados a mulheres motoristas não são considerados de ódio, pois há uma categoria não protegida, que é ocupação (PC + NPC = NPC).

O simplismo de fórmula matemática do Facebook e a tentativa de “proteger todas as raças e gêneros de forma igual” despertou a crítica de acadêmicos. Denielle Citron, da Universidade de Maryland, argumentou que as regras do Facebook ignoram o espírito do direito e a análise contextual da proteção. O Facebook saiu em defesa própria, alegando que as políticas não possuem resultados perfeitos e que é “difícil regular uma comunidade global”.

Em ensaio para revista Wired, Emily Dreyfuss analisou a denúncia da ProPublica e argumentou que o problema é maior é que o Facebook é “muito grande para ser deletado”. Ao conectar um quatro da humanidade, as pessoas que precisam de uma plataforma para expressão não são capazes de sair – mesmo se forem alvos de censuras arbitrárias ou desproteções, como o caso dos algoritmos de “discurso de ódio”.

Isso leva a uma situação paradoxal. Ativistas em defesa da privacidade e lideranças do movimento negro – que atacam práticas realizadas pelo Facebook, como coleta maciça de dados e tratamento tecnológico desigual para brancos e negros – dependem do Facebook para compartilhar informação, pois as perdas são muito grandes ao deletar sua conta e isolar-se da rede de Zuckerberg. “São poucos os que podem se dar ao luxo de abandonar o Facebook e utilizar outras redes”, afirma Dreyfuss.

Renata Mielli, ativista integrante da Coalizão Direitos na Redeem ensaio para o Mídia Ninja nesta quinta-feira (29/06), foi perspicaz no diagnóstico: “O Facebook está sugando a internet para dentro de sua timeline”. Ele é o “maior monopólio privado de comunicação do mundo”, colocando em cheque as bases de nossa democracia.

Retomamos, assim, à grande provocação de Richard Sennett: se sabemos que esses gigantes devem ser quebrados e se estamos cientes dos aspectos prejudiciais desses monopólios sociais, o que podemos fazer?

A The Economist, em matéria de capa no mês de maio1, surpreendeu os progressistas ao oferecer uma crítica ao poder do Google e Facebook. A revista inglesa argumentou que é necessário “repensar radicalmente” os instrumentos antitrustes para os gigantes de coleta de dados (Google e Facebook), pois os reguladores ainda estão presos a conceitos de era industrial, ao passo que os instrumentos de análise devem ser voltados a empresas de tecnologia focadas em dados.

A Economist também propôs duas ideias embrionárias: aumentar a transparência sobre como os dados pessoais são coletados e monetizados (aumentando poder de barganha dos “fornecedores” – ou seja, nós mesmos) e redefinir conceitos jurídicos aplicáveis a essa nova indústria, tratando os data vaults (bancos de dados modelados para fornecer armazenamento histórico de longo prazo) como “infraestrutura pública”, forçando o compartilhamento de dados para estimular a competição.

Seriam ideias viáveis? Talvez. O mais importante, nesse momento, é mobilizarmos essas perguntas e forçarmos uma discussão sobre alternativas políticas e institucionais.

1Regulating the internet giants: the world’s most valuable resource is no longer oil, but data

* Rafael A. F. Zanatta é pesquisador em direito e sociedades digitais. É mestre em direito e economia política pela International University College of Turin e mestre em sociologia jurídica pela Universidade de São Paulo, onde foi coordenador do "Núcleo de Direito, Internet e Sociedade"


          Timor-Leste precisa de um Plano Nacional de Formação de Quadros | M. Azancot de Meneses   


Próximo governo de Timor-Leste terá que conceber um Plano Nacional de Formação de Quadros

No dia 22 de Julho realizar-se-ão as próximas eleições legislativas em Timor-Leste e será formado o VII Governo Constitucional. Independentemente do governo que vier a ser formado, o país tem um Plano Estratégico de Desenvolvimento projectado para 2030 que não poderá deixado de ser tomado em consideração pelo novo executivo.

O Jornal Tornado, sobre esta problemática, decidiu entrevistar o Dr. Azancot de Menezes, especialista em educação e formação, considerado um dos quadros superiores mais conceituados de Timor-Leste.
Entrevista

Jornal Tornado: Dr. Azancot de Menezes, bom dia, começamos por agradecer a sua disponibilidade em conceder esta entrevista que nos parece fundamental para quem deseja compreender melhor a situação em Timor-Leste. Num momento em que se aproxima a formação de um novo governo, gostaríamos de saber a sua opinião relativamente à implementação e cumprimento do Plano Estratégico de Desenvolvimento de Timor-Leste.

Azancot de Menezes: O Plano Estratégico de Desenvolvimento de Timor-Leste (2011 – 2030) apresenta um sumário de estratégias, acções e metas para 2020, destacando que o sistema de educação e de formação profissional deverá formar os recursos humanos qualificados que Timor-Leste necessita para continuar a construção da Nação.

O documento estratégico refere, também, que em 2030 o povo de Timor-Leste será instruído e bem formado, com longa esperança de vida e produtiva, e terá acesso a uma educação de qualidade que lhe permitirá participar no desenvolvimento económico, social e político da nossa Nação.

Segundo o plano governamental, haverá um serviço de saúde abrangente e de grande qualidade, acessível a todos os timorenses, e terá sido reduzida a pobreza porque haverá elevados níveis de rendimento e melhorado a produtividade nacional, com recursos naturais e o meio ambiente geridos de forma sustentável para benefício de todos, havendo sectores de indústria criativas que contribuirão para a nossa economia e o nosso sentido de identidade nacional.

O documento, tal como o apresenta, é ambicioso e todos sabemos que da teoria à prática há um longo caminho a percorrer, principalmente devido ao facto de Timor-Leste estar com carência de quadros. Concorda comigo? 

Totalmente! O nosso país enfrenta esse problema, de forma conjuntural e estrutural. Não temos quadros médios e superiores em número suficiente e qualificados! Portanto, a educação e a aposta na qualificação dos recursos humanos são imperativos para se dar cumprimento ao Plano Estratégico de Desenvolvimento de Timor-Leste.

Quadros médios e superiores

Em Maio de 2017 realizou-se, em Díli, o 3º Congresso Nacional de Educação. Sabemos que estiveram presentes especialistas e houve o envolvimento do governo…

Este encontro, sem dúvida, foi uma excelente iniciativa do Ministério da Educação, contudo, ao falarmos em educação e formação, na prática, continuamos sem encontrar respostas relativamente ao perfil dos professores que desejamos para Timor-Leste, informações que são imprescindíveis para a mudança qualitativa da educação e do futuro do nosso país.

Quais são os principais constrangimentos em relação à formação de professores e de quadros técnicos em geral?

Há um conjunto de questões fundamentais que devem merecer análise cuidada e necessitam de ser discutidas pelos especialistas e pelos decisores que definem as políticas do país.

No domínio da educação, por exemplo, não se sabe em rigor qual é o ponto de situação actual em relação à formação inicial e contínua de professores. Até ao momento não foi ainda realizada uma avaliação credível sobre a formação de professores em Timor-Leste.

Quais são os custos, os recursos humanos, os materiais e o equipamento necessários para darmos cumprimento a uma política educativa de qualidade defendida no Plano Estratégico de Desenvolvimento? Colocar este tipo de perguntas e encontrar respostas é um desafio crucial para a resolução de muitos constrangimentos inerentes à formação e educação.

Prioridade após as eleições?

Após a realização das próximas eleições legislativas será formado o VII Governo Constitucional. Na sua opinião, o que é que o governo deveria realizar como prioritário no domínio da formação de quadros no âmbito do plano Estratégico de Desenvolvimento de Timor-Leste?

O novo executivo nacional, seja ele qual for, não poderá deixar de assumir como relevante e altamente estratégico introduzir na agenda política nacional a importância da obrigatoriedade que se impõe em torno da concepção de um Plano Nacional de Formação de Quadros (2018-2028).

O país tem doze instituições de Ensino Superior, públicas e privadas. Estima-se que existam 1222 docentes com o grau de licenciado, 750 com o grau de mestre e 50 com o grau de doutor.

Mas, pergunto, quais são de facto as necessidades de formação graduada e pós-graduada? Há algum estudo realizado sobre essa matéria e que oriente as universidades e escolas superiores?

Quais são as prioridades e programas de acção para a formação de quadros médios e superiores, para a administração pública e outros sectores? Quais são os resultados esperados e a estimativa de custos para os programas de formação de quadros?

Há algum documento orientador sobre a política de formação profissional na administração pública? Existe um balanço de necessidades de formação da oferta educativa interna nos domínios estratégicos de formação média e superior?

Plano Estratégico de Desenvolvimento de Timor-Leste (2011 – 2030)

Timor-Leste precisa de um documento orientador para a formação de quadros que tenha em consideração as necessidades de formação? É isso que defende?

Com certeza! Para respondermos de forma eficaz a questões desta natureza é imprescindível que Timor-Leste conceba um documento orientador da capacidade em termos técnicos e científicos, em harmonia com o Plano Estratégico de Desenvolvimento de Timor-Leste (2011 – 2030), e que de forma sustentável consubstancie um plano de implementação especificando aspectos de operacionalização, acções, cronogramas e investimentos.

O próximo Governo de Timor-Leste, caso esteja mesmo interessado no desenvolvimento social e económico do país, como espelha o Plano Estratégico de Desenvolvimento de Timor-Leste (2011 – 2030), terá que assumir o compromisso
de garantir a estratégia nacional de formação de quadros mediante um Plano Nacional de Formação de Quadros e que este seja um documento estratégico, com rigor científico, pelo seu horizonte de acção, e com projecções sobre as necessidades de formação até, digamos, 2028.

Dr. Azancot de Menezes agradecemos muito o seu contributo em ajudar-nos a compreender melhor a situação de Timor-Leste. Desejamos os melhores sucessos para o próximo governo e para os timorenses.

Eu é que agradeço! A discussão e a análise com pensamento crítico é um dos défices do nosso país, portanto, será sempre um prazer e obrigação minha discutir e problematizar em torno de questões tão importantes e estratégicas para o nosso desenvolvimento.


Publicado por TIMOR AGORA

          HONG KONG 20 ANOS | A China chegou e a pobreza aumentou, a democracia minguou   


Sobrevivem em gaiolas... que são os seus quartos, as suas casas

Discriminação de minorias étnicas aumentou desde a transição -- Académica

30 de Junho de 2017, 15:00

Hong Kong, China, 30 jun (Lusa) -- A discriminação racial em Hong Kong foi herdada da era colonial e agravou-se desde a transição para a China, considera a académica Puja Kapai, "desiludida" por o novo governo não refletir a diversidade da sociedade.

"Infelizmente, a discriminação em algumas instâncias, tem sido definitivamente mais pronunciada na era pós-transição", afirmou a professora da Direito da Universidade de Hong Kong, coautora do estudo "Status of Ethnic Minorities in Hong Kong 1997-2014".

De origem indiana, Puja Kapai observou que foi "um processo gradual", mas as mudanças introduzidas desde o governo do primeiro chefe do Executivo de Hong Kong Tung Chee-hwa nas políticas linguísticas "tornaram bastante mais difícil para as crianças das minorias étnicas entrarem em escolas públicas".

Kapai apontou como positiva "a abolição do sistema de escolas segregadas" -- as chamadas 'escolas designadas' --, já no mandato do chefe do Executivo cessante Leung Chun-ying.

"Pelo menos, os responsáveis do governo estão a enviar um sinal de que essa já não é uma prática aceitável em Hong Kong. Infelizmente, como estas crianças não conseguem entrar noutras escolas, acabam por ficar nas mesmas", disse.

Nesse aspeto deu o exemplo da discriminação a que são sujeitos os filhos dos não-falantes de chinês no processo de admissão ao ensino pré-primário com financiamento público: "Se fores uma criança de uma minoria que nunca teve a oportunidade de aprender a língua em casa, porque os teus pais não falam chinês, como é que vais conseguir fazer essa entrevista [de admissão]?".

Nos últimos 20 anos, foi positiva a entrada em vigor do Decreto sobre Discriminação Racial, em 2009, porque veio demonstrar que há algo errado e isso passou a "ser reconhecido na lei", apesar das falhas existentes no diploma, que não define claramente o conceito de tratamento desigual relativamente à língua e não inclui o estatuto de imigrante e a nacionalidade entre os motivos pelos quais a discriminação é proibida por lei.

Apesar de notar uma maior pré-disposição da chefe do Executivo eleita, Carrie Lam, "para ouvir" os problemas das minorias étnicas em Hong Kong, Puja Kapai observou que "não é inteiramente claro" se as recomendações deixadas no relatório que elaborou vão ser implementadas pelo próximo Executivo.

"Fiquei desiludida por ver que a composição do governo de Carrie Lam não reflete o tipo de diversidade que eu esperaria (...), em particular, porque uma das recomendações é a da inclusão das minorias étnicas ao mais alto nível", afirmou.

"Pelo menos tens de ter um representante para que as pessoas possam sentir que podem aspirar a juntar-se às fileiras do governo quando chegar a altura", acrescentou.

As minorias étnicas em Hong Kong representam 7,8% da população estimada em 7,33 milhões de pessoas, uma proporção que tem vindo a crescer nos últimos anos, segundo dados do Intercensos de 2016.

Nos Censos de 2011, estes grupos, maioritariamente formados por indonésios e filipinos, mas também por indianos, nepaleses, paquistaneses e tailandeses, entre outro, correspondiam a 6,38% dos 7,07 milhões de residentes.

O estudo de Puja Kapai concluiu que uma percentagem significativa (63%) dos grupos étnicos residentes na antiga colónia britânica há sete ou mais anos identifica-se com o país de origem e com a identidade de Hong Kong, algo que se verifica "sobretudo nas gerações mais jovens".

A académica destacou a necessidade de Hong Kong "dar mais atenção à diversidade de talentos" existentes na sociedade, sublinhando que os jovens das minorias étnicas podem "ser a chave para ajudar a abordar o problema do envelhecimento da população chinesa na cidade".

"Se não apetrecharmos estes jovens com as necessárias habilidades para serem bem-sucedidos e capazes, em termos de integração, corremos o risco de ter mais problemas do que já temos", disse.

"Se eles não formarem um saudável sentido de pertença não vão sentir que esta é uma sociedade para a qual querem contribuir e isso pode ser potencialmente perigoso e uma oportunidade perdida", acrescentou.

O novo governo liderado por Carrie Lam, a "número dois" do Executivo cessante, toma posse no sábado, dia em que se assinala o 20.º aniversário da transição de Hong Kong para a China.

FV // PJA

Jornalistas encurralados entre a autocensura e o ativismo

30 de Junho de 2017, 15:00

Hong Kong, China, 30 jun (Lusa) -- A associação de jornalistas de Hong Kong alertou para a deterioração da liberdade de imprensa, atualmente pior que nunca, com profissionais encurralados entre a autocensura e o ativismo.

Em entrevista à Lusa, Shirley Yam, vice-presidente da associação, faz um diagnóstico negro: "Numa escala de 1 a 10, em 1997 diria que [a liberdade de imprensa] era 7 ou 8 (...). Agora diria que é 2 a 3, porque ainda temos acesso livre à Internet, o nosso direito à liberdade de imprensa e de expressão é protegido pela lei. Nenhum dos nossos jornalistas foi detido ou morto".

Yam diz que para se compreender o momento atual é preciso perceber que há dois "pontos de viragem" em Hong Kong após a transferência para a China: em 2003 e 2014.

Até à primeira data, Pequim deixou a cidade quase "entregue a si própria", mas as coisas mudaram depois do grande protesto que juntou meio milhão de pessoas contra uma lei para punir crimes de traição à pátria, secessão e subversão, o chamado Artigo 23.º.

"Uma analogia seria que antes de 2003 estavam [o Governo central da China] sentados no banco detrás do carro e depois passaram a estar sentados ao lado do condutor", comenta.

Um segundo momento foi o 'Occupy Central', protestos pró-democracia que paralisaram a cidade por 79 dias, em que [Pequim] passou "a ocupar o lugar do condutor".

"A mesma mudança aplica-se aos 'media'. Desde 2003 que se vê um maior controlo sobre os editores e os patrões, que são empresários com muitas ligações na China. [No passado] ninguém proibia que assim fosse, mas seria surpreendente se empresários da China comprassem 'media' em Hong Kong sem que perguntassem: 'Há objeção?', devido às implicações no princípio 'Um país, dois sistemas'", explica.

A vice-presidente da associação, com cerca de 700 membros, aponta vários exemplos de uma liberdade de imprensa diminuída, por uma pressão exercida não através da censura, mas do medo.

Em 2014, a imprensa de Camberra noticiou que o líder do Governo de Hong Kong teria recebido 50 milhões de dólares de Hong Kong (5,7 milhões de euros) de uma empresa australiana, existindo suspeitas de corrupção. "Surpreendentemente não foi a abertura das notícias da noite. No dia seguinte, dos 18 diários publicados em chinês e inglês, apenas quatro tinham a história na primeira página", recorda.

"Quais são os motivos para os editores de 14 jornais decidirem que este escândalo relacionado com dirigentes de topo de Hong Kong não era bom o suficiente para a primeira página? Uma resposta fácil é que se trata de autocensura", afirma.

A jornalista destaca também a agressão policiail do ativista Ken Tsang, durante uma noite do 'Occupy Central', cujas imagens correram mundo depois de serem transmitidas pela televisão local TVB.

Ainda que o guião da peça -- que descrevia a agressão -- tenha sido editado várias vezes, Yam acredita que a peça só foi emitida devido à hora. "O 'censor principal' estava a dormir, por isso conseguiram pôr no ar", comenta.

O caso teve consequências: "O editor (de madrugada) que aprovou a transmissão passou a investigador. Quase toda a gente relacionada com o caso foi castigada. Outro editor que estava lá, mas que não esteve envolvido com a decisão, foi afastado por não ter travado" a emissão.

A colunista do South China Morning Post conta que "o pior" veio depois. "O cargo do editor que virou investigador foi ocupado pelo antigo secretário-geral de um partido Pró-Pequim de Hong Kong. No espaço de poucos meses uma fatia significativa de ações da TVB foi vendida ao antigo vice-secretário-geral do Partido Comunista de Xangai", relata.

Com uma imprensa livre como peça essencial do princípio "Um país, dois sistemas", são as próprias fundações deste regime, que garante a Hong Kong e Macau um conjunto de liberdades acrescidas, que ficam corroídas.

Yam recorda como há cinco anos foi contactada por uma revista de Taiwan que lhe pediu ajuda para encontrar famílias que partilhassem as suas reflexões a propósito do 15.º aniversário da transferência.

"Abordei alguns amigos, de famílias de classe média. Das dez famílias que contactei, apenas uma aceitou. As restantes disseram coisas como: 'Não queremos tanta exposição', ou 'O meu marido trabalha na China', 'Eu trabalho na China'.

"Deviam estar muito infelizes com o que se passa, e têm medo de falar disso. Mas a lei promete-nos liberdade de expressão. E isto foi antes do movimento 'Occupy', antes dos livreiros de Causeway Bay", que publicavam livros sobre a vida privada dos líderes chineses e que desapareceram, reemergindo mais tarde sob custódia da polícia da China.

As divisões que se sentem hoje na sociedade de Hong Kong refletem-se no jornalismo.

"Quando há uma crescente autocensura, os jovens jornalistas tornam-se mais antagonistas, mais hostis contra o sistema. E isso não é bom. Quando te tornas hostil perdes a tua independência, o teu discernimento e isso compromete o teu trabalho e a confiança do público em ti", lamenta Yam.

No contexto da China, Hong Kong é vista como uma cidade com garra, um "David" feroz contra um "Golias" intocável.

Mas Shirley Yam receia que se trate mais de um caso de fama com pouco proveito: "Em Hong Kong, a opinião pública conta, mas não para mudar coisas. É suficiente para travar algo, para impedir o pior de acontecer, como o artigo 23.º, mas não o suficiente para tornar o mau em bom, como a reforma política".

ISG // PJA

Nunca haverá democracia sem questionar base constitucional -- Deputado

30 de Junho de 2017, 15:00

Hong Kong, China, 30 jun (Lusa) -- O deputado "localista" Hong Kong Eddie Chu Hoi-dick considera que o território só vai ter democracia se questionar a fundação constitucional da região administrativa especial, que nunca teve o aval da população.

"Nunca vamos conseguir ter democracia se não questionarmos a fundação constitucional ou a legitimidade do poder de Pequim sobre Hong Kong e da própria Lei Básica", defende, em entrevista à agência Lusa.

"O movimento democrático em Hong Kong nos últimos 20 a 30 anos (...) não questionou a fundação constitucional desta cidade. Aceitámos o [princípio] 'Um país, dois sistemas', aceitámos a Lei Básica, restringimos o conteúdo do movimento democrático ao sufrágio universal do chefe do Executivo. Isso foi um erro", afirma o deputado de 39 anos, que nas eleições de setembro conseguiu o mais elevado número de votos por círculo eleitoral, 84 mil.

O chamado "rei dos votos" sublinha que tal não significa que "a independência seja a única forma de conseguir democracia".

"Estou a dizer que qualquer estrutura constitucional deve ter o aval das pessoas de Hong Kong antes de ser implementada".

Ao invés de se cingirem ao "pequeno objetivo" do sufrágio universal, "a discussão sobre a fundação constitucional desta cidade deve ser renovada, seja uma nova versão do 'Um país, dois sistemas', ou independência", frisa.

Eddie Chu é um dos seis deputados 'localistas' eleitos em setembro para o Conselho Legislativo, que defendem -- uns de forma mais fervorosa que outros -- maior autonomia para a região em relação à China.

Apesar de Hong Kong ser há muito associada à luta pela democracia, Chu acredita que o movimento só começou verdadeiramente em 2014, com o "Occupy Central", protesto que paralisou a cidade por 79 dias. O trabalho feito até lá pelos 27 deputados pró-democracia "era restritivo" e "destinado a falhar".

Chu olha para este movimento social como um esforço conjunto, além-fronteiras, dos povos de países em contextos próximos, unidos pelo desejo de democracia, como Taiwan, Singapura, Tailândia, Malásia e a própria China.

"Quando olhamos para o contexto geral vemos que não é uma luta de uma cidade, mas de muitas cidades e muitos tipos de pessoas", defende.

O deputado, com 19 anos à data da transferência de Hong Kong, admite que há alguma nostalgia em relação ao tempo colonial, mas alerta que a China usa uma estrutura administrativa herdada dos britânicos.

Do ponto de vista da governação, os problemas mantêm-se: elevado fosso entre ricos e pobres, um 'boom' imobiliário que faz recear um colapso dos preços, falta de habitação, especialmente para os mais desfavorecidos.

"Estas questões estavam lá antes de 1997 e ficaram piores. O governo colonial não era muito poderoso, precisava do apoio de magnatas, profissionais, proprietários de terras. Estes tentavam proteger os seus interesses e 'sequestrar' os governadores. Isso continuou depois da transferência. Os intervenientes podem ter mudado, de britânicos para chineses, mas a estrutura está lá", explica.

Ainda que a transferência gerasse receio em muita gente -- principalmente depois da repressão violenta dos protestos de Tiananmen, em 1989 -- havia a ideia que, com o controlo do Partido Comunista, a sociedade se tornasse mais justa. "Mas foi o oposto", garante.

Existia um equilíbrio entre Londres e Pequim, em que o primeiro governava a cidade, mas tinha de ter em conta as preocupações do segundo. "Agora só temos um poder à nossa frente. Os movimentos sociais ou democráticos tornaram-se muito mais difíceis", diz.

Apesar das ideias provocadoras -- quase hereges para o Governo de Hong Kong, que não admite qualquer discussão sobre independência -- o antigo jornalista opõe-se a atos de violência e demonstra até algum desagrado com o termo 'localista', aplicado àqueles que defendem Hong Kong por oposição à China e uma maior autonomia ou até a independência.

Chu, que não conteve as lágrimas ao falar à imprensa após ser eleito, considera que o termo causa desunião e "não é muito útil tentar distinguir as pessoas de Hong Kong das pessoas da China, dentro do contexto de Hong Kong".

"Se realmente quisermos fazer progressos no nosso movimento democrático, temos de ser o mais inclusivos possível. Todos os residentes desta cidade fazem parte deste movimento", afirma.

Como inspiração no Ocidente, Chu olha para o partido espanhol Podemos, apesar de admitir que pode ter limitações.

"Nunca fui a Espanha, mas li artigos sobre o Podemos e achei que podia ser um exemplo de como pensar na organização de um movimento democrático. A mensagem principal do Podemos para Hong Kong é: Será que podemos ter uma organização interna mais aberta ao invés de elites e um modelo hierárquico?"- questiona.

Lutar apenas pela eleição direta do líder de Hong Kong tem sido "um erro", defende o deputado Eddie Chu Hoi-dick, para quem é preciso questionar a própria base constitucional da região que nunca teve o aval da população.

ISG // PJA

Fosso entre ricos e pobres atinge nível histórico em quase meio século

30 de Junho de 2017, 15:00

Hong Kong, China, 30 jun (Lusa) -- Hong Kong assinala os 20 anos de retorno à China com o maior fosso entre ricos e pobres em quase meio século e com perto de um milhão de pessoas na pobreza.

Quem sobrevive com magros subsídios e sem pensão de reforma tem poucos motivos para celebrar.

O coeficiente de Gini -- indicador utilizado para medir o índice de desigualdade -- subiu para o valor mais elevado em 46 anos, fixado em 0.539, numa escala de zero a um, em que o zero representa a igualdade.

Os dados referentes a 2016 - divulgados este mês - indicam que 10% das famílias mais ricas, com uma mediana salarial na ordem dos 112.450 dólares de Hong Kong (12.882 euros), ganhavam 44 vezes mais do que 10% dos mais pobres, com 2.560 dólares de Hong Kong (293 euros).

O governo atribuiu a disparidade crescente ao aumento de pequenos agregados familiares e ao impacto adverso do envelhecimento da população, cujo número de idosos -- fixado em 1,16 milhões -- aumentou 2,6% em cinco anos, correspondendo a 15,9% da população total.

Com 7,3 milhões de habitantes, o centro financeiro que se mantém na liderança das economias mais livres do mundo esconde por detrás dos arranha-céus uma elevada desigualdade, e graves problemas de habitação, cujos preços superam largamente os vencimentos. O salário mínimo na antiga colónia britânica é de 34,5 dólares de Hong Kong (3,88 euros) por hora.

Segundo o mais recente relatório sobre a pobreza (Hong Kong Poverty Rate Report 2015), a metrópole asiática reduziu o número de pobres de 1,34 milhões (ou 570 mil agregados) para cerca de 970 mil pessoas (ou 390 mil famílias).

A taxa de pobreza baixou de 19,7% para 14,3%, mas as carências dos mais necessitados continuam expostas até nas zonas mais ricas da cidade, onde é possível ver idosos a recolher cartão das lojas para reforçarem o magro orçamento mensal e muitos à procura de alimentos nos caixotes do lixo.

O governo tem mais do que um apoio para a terceira idade, mas nenhuma pensão de reforma universal.

A única verba que chega a todos com idade igual ou superior a 70 anos é de 1.325 dólares de Hong Kong (150 euros). Os restantes são calculados com base no património dos candidatos, podendo ir até 3,435 dólares de Hong Kong (389,6 euros) por mês, segundo os aumentos que entraram em vigor este ano.

O Hong Kong Council of Social Service, que "há mais de 20 anos" luta por uma pensão de reforma universal, propôs uma reforma mensal de 3.500 dólares de Hong Kong (392 euros) para os residentes com idade igual ou superior a 65 anos, disse à agência Lusa Anthony Wong, da direção do organismo. Depois de várias discussões e consultas no ano passado, o plano acabou rejeitado.

"Eles citam sempre os exemplos da Europa ocidental para passarem a mensagem de que [o plano de pensões de reforma] é incomportável", disse.

"Mas para nós é realista porque temos uma população a envelhecer e muitas pessoas têm doenças crónicas. Muitos, mesmo na classe média, podem vir a sofrer uma grande doença que os vai fazer gastar todo o dinheiro e bens que acumularam ao longo da vida. E se gastam todo o dinheiro e de repente ficam pobres, o que é que podem fazer?", questionou.

"Com um plano de reforma, mesmo que fiquem muito pobres, pelo menos teriam uma pensão de reforma", justificou.

O Hong Kong Council of Social Service mantém o objetivo em cima da mesa, mas tem dúvidas em relação à concretização do plano de pensões de reforma no próximo mandato.

"Vamos continuar a lutar por isto, mas a questão é que a chefe do Executivo eleita [Carrie Lam] foi quem recusou avançar com a ideia, por isso não sei, mas vamos ver", disse Anthony Wong.

"Temos uma população envelhecida. (...) Atualmente, uma em cada cinco pessoas é idosa, mas daqui a 20 anos será uma em cada três. Por isso, se cerca de 30% [da população] tiver pelo menos 65 anos, é de esperar que nas próximas duas décadas haja muito mais pessoas na pobreza", afirmou.

Em maio, o número de casos de Assistência Integral à Segurança Social (CSSA, na sigla em inglês) era de 236.259, num total de 345.666 pessoas, segundo dados oficiais. Os idosos a receber apoios totalizavam 144.906 casos.

FV // PJA


          HONG KONG | 20 ANOS DEPOIS DO REGRESSO À CHINA   


Milhares nas ruas pedem democracia e libertação de Liu Xiaobo

01 de Julho de 2017, 23:48

Hong Kong, China, 01 jul (Lusa) -- Milhares de pessoas saíram hoje à rua em Hong Kong, para pedir mais liberdades políticas e a libertação do ativista chinês Liu Xiaobo, no dia do vigésimo aniversário da transição da antiga colónia britânica para a China.

A Civil Human Rigthts Front [Frente Civil dos Direitos Humanos], que todos os anos organiza o protesto de 01 de julho, estimou o número de participantes em mais de 60.000, enquanto a polícia referiu 14.500, segundo a imprensa local.

Os números foram inferiores aos do ano passado, com a organização a estimar cerca de 110.000 participantes e a polícia 19.300.

A marcha saiu do Parque Vitória em direção ao Conselho Legislativo (LegCo, o parlamento) pelas 15:00 (08:00 em Lisboa), já depois de o Presidente chinês, Xi Jinping, ter deixado a cidade, no final de uma visita de três dias, marcada por detenções de ativistas em protestos e pela advertência de que não será tolerada qualquer ameaça contra o poder de Pequim.

"Penso que todos os que vieram à manifestação vieram porque pensam que este ano é muito especial: são os 20 anos desde a transição", disse à agência Lusa Au Nok-hin, da Frente Civil dos Direitos Humanos, a entidade que organiza a manifestação.

"Há muitos problemas por resolver por parte do Governo de Hong Kong", acrescentou o também membro do Partido Democrata.

Nesse sentido, Au Nok-hin criticou as declarações do porta-voz do Ministério dos Negócios Estrangeiros chinês, que na sexta-feira disse que a Declaração Conjunta sino-britânica -- assinada em 1984 e na qual assenta o princípio "Um país, dois sistemas" e ao abrigo do qual foi realizada a transição de Hong Kong para a China em 1997 --, "é um documento histórico e não tem qualquer significado prático".

O mesmo responsável disse que esperava que o Governo central reconsiderasse as declarações daquele ministério.

"Muitos de nós estão preocupados com o futuro de Hong Kong, sobretudo com as recentes limitações à liberdade de reunião", acrescentou, em alusão às restrições impostas pela polícia para os protestos dos ativistas durante a visita de Xi Jinping à cidade.

No protesto marcaram também presença os ativistas que esta manhã foram detidos pela polícia, incluindo o rosto dos protestos pró-democracia de 2014, o jovem Joshua Wong e o deputado conhecido como 'Cabelo Comprido'.

Este ano, os manifestantes viram reduzido o espaço que anualmente lhes é atribuído no Parque Vitória, de onde parte a tradicional marcha pró-democracia, uma vez que grande parte da área estava reservada a uma exposição promovida por uma coligação de grupos de cerca de 40 grupos pró-Pequim (Hong Kong Celebrations Association).

Antes de iniciarem a marcha pelas ruas, no palco montado sobre o relvado do parque, vários ativistas usaram da palavra, incluindo Lam Wing-kee, um dos cinco livreiros que em 2015 desapareceram em condições misteriosas para reaparecerem, mais tarde, detidos na China e a confessarem crimes através da televisão estatal chinesa.

Lam Wing-kee pediu a libertação de Liu Xiaobo e apelou aos manifestantes para não desistirem de lutar pela democracia.

Liu Xiaobo, de 61 anos, que em 2010 foi distinguido com o prémio Nobel da Paz por promover a reforma política da China, viu esta semana ser-lhe concedida liberdade condicional depois de lhe ter sido diagnosticado um cancro no fígado em fase terminal.

O ativista foi condenado em 2009 a 11 anos de reclusão por subversão.

O protesto decorreu de forma pacífica, sob calor intenso e alguns períodos debaixo de chuva intensa, com os manifestantes a percorrerem cerca de três quilómetros entre o Parque Vitória do LegCo, durante mais de três horas.

Os manifestantes reclamaram também uma ação legal contra o ex-chefe do executivo CY Leung, por pagamentos recebidos da empresa de engenharia australiana UGL enquanto líder da cidade, o desenvolvimento sustentável da cidade, a defesa dos direitos dos homossexuais e da diversidade étnica.

O protesto, dominado por guarda-chuvas amarelos e outros símbolos pró-democracia, contou com defensores pró-independência da cidade, que apareceram em alguns cruzamentos por onde a marcha passava com bandeiras a remeter para os tempos da colónia britânica.

A chuva acabou por levar a organização a cancelar uma concentração prevista no Tamar Park, onde estão situados o LegCo e a sede do Governo do território.

As manifestações pró-democracia são realizadas anualmente desde 01 de julho de 1997 e atingiram uma dimensão significativa desde 2003, quando meio milhão de pessoas saiu em protesto contra o plano do governo de regulamentar o artigo 23.º da Lei Básica, que prevê punir crimes de traição à pátria, secessão e subversão.

FV // VM

Pequim vai garantir aplicação firme de "um país, dois sistemas" em Hong Kong

01 de Julho de 2017, 12:58

Hong Kong, China, 01 jul (Lusa) - O Presidente chinês sublinhou hoje que Pequim vai garantir a aplicação "com firmeza" do princípio "um país, dois sistemas" em Hong Kong.

O Governo de Hong Kong "deve manter-se fiel a esta direção e respeitar integralmente" aquele princípio, afirmou Xi Jinping, perante mais de dois mil convidados que assistiram, momentos antes, à cerimónia de posse da chefe do Executivo, Carrie Lam, primeira mulher a desempenhar o cargo.

Este conceito foi criado para defender a unidade do país e qualquer desafio à soberania ou apoio à oposição representa uma rutura do princípio "um país, dois sistemas", acrescentou.

"Qualquer tentativa que ponha em perigo a soberania e segurança da China, desafie o poder do Governo central e a autoridade da Lei Básica de Hong Kong (...) é absolutamente inadmissível", declarou.

O respeito e aplicação do princípio "um país, dois sistemas" responde às necessidades da população de Hong Kong, de manter a prosperidade e estabilidade de Hong Kong, serve os interesses fundamentais da nação e as aspirações partilhadas de todos os chineses, disse, de acordo com a agência noticiosa chinesa Xinhua.

Mas o Governo de Hong Kong deve fazer mais para responder aos desafios colocados pela economia, habitação, segurança e aumentar a educação patriótica, considerou.

Xi Jinping ofereceu a ajuda e força económica da China como "uma oportunidade" para revitalizar Hong Kong, numa altura em que o preço das habitações é incomportável para os residentes e a competitividade internacional do território diminuiu.

"Criar deliberadamente divergências políticas e provocar a confrontação não vai resolver os problemas. Pelo contrário, só vai impedir gravemente o desenvolvimento económico e social de Hong Kong", advertiu.

Antes, Carrie Lam, de 60 anos, e os seus secretários juraram servir a China e Hong Kong e respeitar a Lei Básica, a miniconstituição do território.

O Presidente chinês chegou na quinta-feira a Hong Kong para as cerimónias do 20.º aniversário da transferência de soberania do Reino Unido para a China - 01 de julho de 1997 - e para investir a nova chefe do Executivo da Região Administrativa especial chinesa.

A cerca de um quilómetro de distância, um pequeno grupo de ativistas pró-democracia confrontou-se com a polícia e manifestantes pró-China. Pelo menos nove militantes pró-democracia foram detidos, indicou a agência noticiosa espanhola Efe.

EJ // DM

Ativistas condenam "abuso de poder" da polícia após libertação

01 de Julho de 2017, 15:21

Hong Kong, China, 01 jul (Lusa) -- Ativistas pró-democracia, detidos hoje em Honk Kong e libertados pouco tempo depois, condenaram a atuação da polícia, que acusaram de os ter deixado à mercê de ataque de grupos pró-China e tríades.

Pelo menos nove ativistas pró-democracia de Hong Kong foram detidos cerca das 08:00 (01:00 em Lisboa) após confrontos com manifestantes pró-China, no centro da cidade, onde decorrem as cerimónias do 20.º aniversário da transferência de soberania, tendo saído em liberdade ainda durante a manhã.

Joshua Wong, que já tinha sido detido na quarta-feira, juntamente com 25 ativistas, durante uma concentração realizada na praça Bauhinia, no centro da cidade, e libertado, foi um dos detidos de hoje.

De novo em liberdade, o líder dos protestos pró-democracia de 2014 disse em conferência de imprensa, que apesar de o protesto ter sido autorizado pelas autoridades, os manifestantes foram alvo de "ataques violentos" por grupos pró-China durante a manifestação em Wan Chai.

Os ativistas seguiam em direção ao centro de convenções, onde decorria a cerimónia de tomada de posse da nova chefe do Executivo, Carrie Lam.

"O que nós encontrámos foi gangues pró-China e tríades (...) que nos cercaram e bloquearam a nossa manifestação a pedir a democracia e a libertação [do ativista chinês] Liu Xiaobo", disse Joshua Wong, num dos vídeos de uma conferência de imprensa divulgada através da rede de mensagens instantâneas Twitter.

"Durante os ataques violentos constatámos que a polícia não fez nada e permitiu que aqueles gangues empunhassem a bandeira nacional e nos perturbassem até às 08:00 [01:00 em Lisboa, quando começaram as cerimónias oficiais]", acrescentou.

Joshua Wong classificou a situação de "absolutamente inaceitável" e "sem base legal", descrevendo que ele próprio foi algemado e que outros ativistas foram alvo de agressões de agentes no carro da polícia a caminho da esquadra.

"Condenamos veementemente a atuação da polícia por não proteger os manifestantes pacíficos e por permitir -- se não arranjou, pelo menos deixou -- estes 'gangues' atacar-nos", afirmou.

O também secretário-geral do partido Demosisto disse ainda que espera que "na manifestação de 01 de julho, na tarde de hoje, em vez de permitirem que os grupos leais pró-China continuem a perturbar o nosso protesto".

Na conferência de imprensa, Avery Ng, da Liga dos Sociais Democratas, descreveu aos jornalistas que os ativistas receberam informações contraditórias de diferentes agentes sobre se estavam ou não detidos.

"Assim que o veículo entrou em andamento, eu perguntei repetidamente aos agentes se estavámos detidos. Inicialmente, responderam que não sabiam, mas alguns minutos depois disseram que sim", contou Avery Ng. "Perguntei sob que acusações mas não responderam", afirmou.

"Assim que o veículo chegou à esquadra da polícia, outro grupo de polícias disse-nos: 'Vocês não estão presos, vocês estão livres, podem ir embora'. Este é o facto", acrescentou.

O ativista sublinhou que "a polícia está claramente a abusar do seu poder".

"Esta manhã, o objetivo era muito simples. Na verdade os objetivos tanto da polícia como das tríades são muito parecidos. O seu dever era impedir-nos de ir à cerimónia da manhã para protestar contra [o presidente da China] Xi Jinping", sublinhou.

Avery Ng acrescentou que "nas passadas 72 horas, a Liga dos Sociais Democratas foi alvo de detenções múltiplas e ataques violentos por elementos das tríades".

"O número supera a centena. Ao mesmo tempo, mais de 100 polícias foram destacados para seguir alguns dos nossos principais membros nos últimos três dias. Isto é o tipo de recursos que eles usam para reprimir um só partido político", adiantou.

Na conferência de imprensa, Joshua Wong e Avery Ng surgiram acompanhados por outros ativistas que também tinham sido levados pela polícia, como o deputado Leung Kwok-hung (conhecido por "Long hair" ou "Cabelo comprido") e pelo deputado Eddie Chu, entre outros.

O Presidente chinês chegou na quinta-feira a Hong Kong para as cerimónias do 20.º aniversário da transferência de soberania do Reino Unido para a China - 01 de julho de 1997 - e para investir a nova chefe do Executivo da Região Administrativa especial chinesa.

FV (EJ) // EJ

"Fazer barulho" nas ruas é a opção para quem não tem direito a voto

02 de Julho de 2017, 02:40

Hong Kong, China, 02 jul (Lusa) -- Aos 12 anos, Lum Lum é uma entre milhares de pessoas que, hoje, saíram à rua em Hong Kong para reclamar a eleição direta do líder da região.

Cerca de 60.000 pessoas, segundo a organização, ou 14.500, para a polícia, participaram na manifestação. Qualquer dos números está bastante aquém das manifestações realizadas há alguns anos, com muitos residentes frustrados com a falta de resultados dos protestos de rua.

Apesar de longe do 'fôlego' do "Occupy", que em 2014 paralisou durante 79 dias várias zonas da antiga colónia britânica para pedir a eleição do chefe do Executivo por sufrágio universal, os protestos continuam a fazer parte da cultura de Hong Kong, que assinalou os 20 anos da transição para a China.

Da família de Lum Lum só a irmã mais velha faltou à manifestação, "porque tinha muito para estudar", contou à agência Lusa, sob o olhar atento dos pais e de uma tia, enquanto caminhava desde o Parque Vitória em direção ao Conselho Legislativo (o parlamento da cidade).

"Estamos aqui porque queremos eleger o nosso chefe do Executivo e também porque não queremos mais corrupção no governo", disse Lum Lum à Lusa.

A pequena "ativista" começou a participar nos protestos pacíficos "desde os 3 ou 4 anos", por iniciativa do pai. Atenta ao que se passa na Região Especial Chinesa, a menina disse que a visita do Presidente chinês, Xi Jinping, não lhe despertou nenhum sentimento.

"Também não tenho qualquer mensagem para ele, porque se tivesse ele não me ia ouvir", acrescentou.

Já em relação aos ativistas que ao longo da semana foram sendo detidos e libertados, a menina mostrou determinação nas palavras. "Sinto tristeza e raiva. Eles não fizeram nada e tiveram problemas apenas porque queriam dizer ao Governo o que está mal em Hong Kong", afirmou.

Ao contrário de Lum Lum, a professora de Economia Anson Suen, de 31 anos, não é uma presença assídua nos protestos de rua. Juntou-se à grande manifestação em 2003, quando meio milhão saiu à rua, e no 20.º aniversário da região sob a soberania chinesa também achou que fazia "todo o sentido".

"Se o Governo central quer que nós amemos o país, então devia permitir mais liberdade de expressão, respeitar as nossas instituições e dar-nos a verdadeira democracia", disse.

Anson Suen seguia com um grupo de amigas, incluindo a também professora Dodo Lo, de 35 anos, que explicou o que a move nos protestos de rua.

"Talvez não faça a diferença, mas pelo menos fazemos barulho para demonstrar o nosso descontentamento. Queremos que eles saibam que não estamos felizes, mas eles ignoram-nos", disse.

Hong Kong foi integrada na República Popular da China em 1997, ao abrigo da fórmula idealizada por Deng Xiaoping para a reunificação do país, a qual permite a continuação por mais 50 anos do "modo de vida" do território, nomeadamente as liberdades de expressão, imprensa e de associação, desconhecidas no resto do continente.

Mas nos últimos anos, muitos residentes têm manifestado preocupações crescentes, denunciando interferências de Pequim nos assuntos da cidade e a erosão das liberdades.

É essa preocupação com o futuro de Hong Kong que continua a levar Choi, uma mulher de 39 anos, todos os anos à manifestação realizada a 01 de julho.

"Os padrões de vida e das liberdades têm vindo a diminuir, sobretudo nos últimos anos", afirmou, acrescentando que "a questão da democracia está pior do que há alguns anos".

Pequim prometera deixar os residentes de Hong Kong escolherem em 2017 o líder por voto direto, o que poria fim ao atual sistema de eleição através de um colégio eleitoral, mas com a condição de que os candidatos fossem aprovados por um comité de nomeação, algo que os pró-democratas contestaram, alegando que só os candidatos pró-Pequim teriam "luz verde".

Depois do "Occupy", essa reforma política foi chumbada pelo Conselho Legislativo de Hong Kong em junho de 2015, com o campo pró-democrata a votar em bloco contra a proposta.

Carrie Lam, a nova líder de Hong Kong eleita em março passado, foi escolhida por um colégio eleitoral composto por 1.200 membros. Primeira mulher a exercer o cargo, Lam obteve 777 votos.

Quando foi eleita, Carrie Lam prometeu "unir a sociedade", mas sem se comprometer com um calendário para iniciar um eventual novo processo de reforma política.

No sábado de manhã, Xi Jinping empossou Lam no cargo, no último dos três dias de uma visita oficial a Hong Kong, para assinalar a data.

FV (DM) // JLG


          My Thoughts On Twitter, 6/27/17   
The world depends on the observer’s qualities–thus Kabbalah gets one out of #depression by helping to see their partner as beloved. #Governments can’t control their economies, sovereignty is disappearing but they cannot solve problems together, nationalism is on the rise Everyone has good and bad qualities. Smart people focus on and see only the good […]
          Banks Come Under Fire For Filling In The Payday Loan Gap   
A payday loan is a costly form of credit operating on the fringes of the economy. That's why the target of a new crackdown by federal regulators may surprise you: Instead of a forlorn-looking storefront with a garish neon sign, it's your familiar neighborhood bank. A small but growing number of banks, including some major players, have been offering the equivalent of payday loans, calling them "deposit advances." That is, at least, until bank regulators stepped in Nov. 21 and put new restrictions on the loans. "Many of these loans are taken on a nearly continuous basis," Consumer Financial Protection Bureau representative David Silberman told a Senate panel in July. He and other regulators worry that deposit advances can lead consumers into a cycle of debt. "For far too many consumers, payday and deposit advance loans are traps," Silberman said. "Returning every two weeks to re-borrow the same dollar amounts at a high cost becomes a drag on the financial well-being of consumers already
          Empowerment Radio with Dr. Friedemann Schaub: Are You Struggling with Election Anxiety?   
HostAre you struggling with election anxiety? No matter which candidate you support, are you worried about the upcoming election? Afraid about the direction our country could be headed? If so, you may like many others struggle with election anxiety.    The closer it gets to election day, the more concerned you become about the potential consequences for the economy, the environment, the relationship with the rest of the world and so on – if your man or woman doesn’t win. ...
          Libraries of Business Process Segment Links    
I think I have seen this before, but was reminded of it by some recent work.  Why not have libraries of the graphs of typical business process segments?  Then allow us to paste these together to create complete or partial business process models?  And then edit these to make them come closer to what is really done?   Model with simulation to compare the result versus the ideal?

The below shows how this is done to detect money laundering, using Linkurious, but I am suggesting could also be used to model and refine legitimate process.   That would require a library of graph segments representing specific and known common business processes, and a way to link them together. Perhaps from  business transaction flows?   And create a process model along the way. Anyone done this?

Fighting financial crimes and money laundering with graph data
Posted by Elise Devaux 

Fighting financial crimes is a daily battle worldwide. Organizations have to deploy intelligent systems to prevent and detect wrongdoings, such as anti-money laundering (AML) control frameworks. We’ll see in this blog post how graph technologies can reinforce those systems.

Using graph technologies to fight financial crimes

Media previewIn today’s complex economy, law enforcement and financial organizations fight against a wide range of financial crimes: embezzlement, tax evasion, extortion, corruption, terrorism funding or money laundering, to name a few. While tracking down those activities, governments and financial institutions have to deal with a fast moving financial crime landscape and a growing volume of information of various formats.

Graph technologies like Linkurious can be powerful assets to help fight financial crimes. They provide exhaustive overviews of the different entities and their connections. And they support complex data queries on large data-sets in a near-real time environment.

In this article, we’ll focus on anti-money laundering procedures and explore a specific case with a graph approach. .... " 


          Does Auckland have the infrastructure capacity to host the America's cup? Alex Tarrant reviews two of the Mexican stand-offs involving central government, the Auckland Council, the Airport and Watercare   

By Alex Tarrant

Emirates Team New Zealand’s America’s Cup win has certainly fired up the Auckland infrastructure debate (as if it needed more fuel). Every interested party is now reviewing their wish list trying to figure out whether their pet project could be completed in four years. Rail, roads, houses and water pipes.

The 2021 event (Auckland will also hold the Asia Pacific Economic Cooperation summit that year) might be a Godsend for getting even more Auckland infrastructure work on the move (if we can find the labourers needed – don’t mention foreigners!).

But the multiple Mexican stand-offs between the Government, Auckland Council and other parties like Auckland Airport and Watercare need to be resolved. The key in each dispute is who pays for what, when, why and how.

This (rather long) column focuses on two of those stand-offs. Rail to Auckland Airport from the CBD, and cheaper, faster provision of water services for new housing in Auckland – including boosting incentives for cheaper densification. On Rail, there is a simple answer to get things moving if the project would indeed lead to benefits. On water, revised legislation debated in Parliament last week provides some hope.

Rail to the airport

Politicians were quick to jump on the success of ETNZ earlier this week and the expected economic benefits to Auckland from holding the Cup in 2021. The Green Party used the occasion to question the Transport Minister on whether Auckland would have capacity to host the event.

“Will the government start building rail to the airport sooner, if Auckland hosts the next America’s Cup regatta, or will Aucklanders still have to wait 30 years?” Julie Anne Genter asked Simon Bridges.

Bridges’ answers focussed on the current plan of protecting a sole purpose route that will originally be marked out for a busway to the Airport. This showed the government was prioritising the project, he claimed, being careful to add it was difficult to explain what the timeframe could be for progressing to rail. This would be driven by demand and usage numbers, Bridges said.

So why not just kick-start the project of rail to the airport? If central government were to lead on funding, couldn’t others like the Council be given time to come up with their share? The reason this National-led government isn’t making any firm commitments like this is down to the principle of, whoever benefits should pay.

Steven Joyce, Simon Bridges and other Ministers have in recent months been talking more about the use of value uplift taxes to help fund new projects – rates will be higher in areas that profit from increased transportation links, for example. These could be residential rates paid by homeowners in areas with improved access to the CBD from a new road, which would have boosted the value of their property. They could also be imposed on commercial businesses that benefit from more foot-traffic due to being closer to, say, a new train station.

The government openly admits that a value uplift tax would have been a perfect fit for Auckland’s inner-city rail loop. But, because the loop was announced before Ministers could start spraying the idea around, they feel it would be a bit rude (think a vote-loser) to suddenly turn around and clamp such a tax on business owners close to where the new stations would be, regardless of the economics.

They have to find a project that hasn’t yet started, and which would clearly benefit the areas linked by the project. Penlink has been talked about. I also give you the Airport-City rail link.

However, Bridges and Joyce are engaged in a stand-off with Auckland Airport. ‘If you come to the table, then we will too.’

Auckland Airport would clearly benefit from any rail link with the city. So, Bridges et al are waiting for them to come to the party. If we’re talking light rail – trams – then Dominion Road businesses and residential properties should also benefit in value uplift.

It’s a stand-off though. If the airport argues against paying more because the benefits won’t be that great, then the government can turn around and say, ‘ok well that’s a good argument for not needing to build the new connection’. If the government just starts funding the link itself, then it runs the risk of no-one else coming to the party. They also don't want to be seen starting the project with inclusion of value-uplift taxes that no-one agrees on - that's not the way this government wants to work.

In effect, the sticking point is a matter of principle. It’s a principled Mexican stand-off. Or a prisoners’ dilemma in a low-security prison.

Water pipe dream

The next stand-off is a key component in Auckland’s housing debate. Water pipes. A couple of weeks ago I wrote about how the National Cabinet would love to take a swipe at the monopolistic, not-for-profit Watercare in Auckland. They’re getting nearer to it.

The Local Government Amendment Act 2002 Amendment Bill (No 2) was introduced last year by former Local Government Minister Peseta Sam Lotu-Iiga. And boy was it popular. The Local Government Select Committee heard nearly 200 submissions on the Bill. They’ve now reported back with amendments. The Bill received a second reading last week.

The stand-off between local and central government on water pipes can best be summed up by a conversation between media and Local Government New Zealand a few weeks back. A lot of New Zealand’s water pipe infrastructure was put in in the 1960s, we were told. Those pipes had an expected lifetime of 60 years, so we’re heading towards an exponential renewals curve over the next 15 years for assets worth over $100 billion.

A couple of the journalists (including this correspondent) were a tad miffed by this. Did local councils know there was only a 60-year life span? “Yeah, they did,” was the reply. ““The renewals curve is not a surprise. But it’s here, now.”

So why haven’t councils planned over those 60 years to put replacement funds aside? The problem, we were told, was that in the 1960s a lot of the pipes were paid for by central government. Now, technically only local government is on the hook. “Under our current funding model, it’s rates and debt [to pay for it]. The issue becomes, is that a sustainable position? Our view is it is not.”

That’s why local government is calling on central government to agree to a co-funding model for the replacement of water pipes nationwide that are coming to the end of their working life (even though this was all known about for 60 years).

I asked Local Government New Zealand chairman Lawrence Yule whether they’d had any indications from central government that this could be done. He said central government had always indicated a willingness to look at it “but only once you’ve made sure what you’re doing currently is being done as efficiently as it can be.”

It’s a stand-off. Local government is refusing to consider how to fund replacement pipes until central government agrees to a co-funding model. Central government won’t agree to a co-funding model until local government gets its own house in order and ensures water services operations are as efficient as possible.

The issue got to a point where central government decided to try and take the initiative. This is where the Local Government Local Government Act Amendment Bill (No 2) comes in. Central government clearly believes things aren’t being done as efficiently as possible.

The Bill will allow various councils to band together to create Transport and Water Council Controlled Organisations (CCOs) to provide services across several local authorities. Scale. It will also give greater scope for re-organisation of CCOs. As now-Local Government Minister Anne Tolley put it in Thursday’s second reading, it provides “an opportunity for the sector to show their local strategic leadership, which may require hard decisions about difficult options in order to secure a positive future for their communities.”

Let’s take Watercare. In its submission on the Bill (co-submitted with Auckland Council), it argued that since its first fully operational year in 2011/12, it has reduced the cost of water delivery to Aucklanders compared the rag-tag pricing run previously by individual councils pre-Super City.

That’s true. The $1.30 per thousand litres was below the range of $1.31-$3.50 encompassing Rodney, North Shore, Waitakere, Auckland, Manukau and Franklin. Job well done. Scale worked. But since then, that cost has risen each year to $1.44 per thousand litres in 2016/17. That’s not what central government (or Auckland residents) wanted to see.

A 2015 Cabinet paper introducing the Amendment Bill reveals what some Cabinet Ministers really wanted to do. The Local Government Minister at the time highlighted the potential benefits of requiring Watercare to have to pay a dividend (“distribute surpluses”) to the Council. This could encourage more efficient pricing of water services and allow it better access to finance.

However, due to the prospect of the move not being supported by “the community,” the idea was not included. Indeed, when the Local Government Select Committee reported the Bill back to the House in June, Section 70 was there prohibiting the distribution of surpluses by water services CCOs.

A pity. There is some exciting stuff in there, though. Central government is aiming to be imposing a number of requirements that I’m told are aimed at drastically changing the way Watercare operates.

The Productivity Commission’s 2016 report, Using Land for Housing, helped. Looking at Watercare from a housing supply lens, the Commission raised a number of concerns and recommendations which will partly be tackled by the Bill.

Firstly, Watercare’s Infrastructure Growth Charges (IGCs) do not recover the full costs of growth (new pipes for new housing), the Commission pointed out. Although initially this could produce benefits for new home buyers not paying the full cost for water infrastructure, deficits will need to be recovered from somewhere. Recovery from existing residents will reduce community acceptance of growth, limiting the supply of infrastructure-enabled land, therefore contributing to higher house prices.

Watercare needed to change how it calculates charges to better reflect the underlying economic costs of supply in different locations and for different types of dwelling, the Commission said. This linked in with criticisms of Watercare’s model of charging flat fees.

“To the extent that certain types of development result in lower infrastructure costs than others, a flat charge will result in a cross-subsidy between different types of dwelling. This might result in a situation in which smaller and more affordable dwellings are cross-subsidising larger standalone dwellings.”

The Bill requires Watercare to shift away from the IGC model to a development contribution model. It has until 30 June 2018 at the latest to figure out how to best make the switch.

Meanwhile, the Commission urged Watercare to consider development agreements, which would enable private developers to take responsibility for building trunk infrastructure. It referenced research that developers may be able to provide infrastructure solutions at lower costs than Watercare, particularly due to ‘over specification’ required by Watercare.

“Watercare notes that development agreements have a range of advantages (eg, they provide a mechanism for bringing in private capital into the provision of public infrastructure) and disadvantages (eg, the time required to prepare and finalise the agreements, especially if more than one developer/landowner is involved). The obligation to consider requests from a developer to enter into development agreements and provide the developer with a written response would not compel Watercare and other CCOs to enter agreements where there are good reasons not to. But a requirement to set out in writing why a development agreement may not proceed would provide clarity and transparency about the reasons for the decision.”

The Bill doesn’t appear to go as far as the Commission would have hoped, but it does provide legislation for Watercare to be able to enter into development agreements.

Finally, the Commission appeared horrified that for both Auckland Transport and Watercare, “supply of infrastructure to support growth is not reflected in either organisation’s performance measures.”

“While the primary accountability documents for Watercare and Auckland Transport (the Statements of Intents) are broadly aligned with the Auckland Plan vision, they do not give effect to the specific objective in the Auckland Plan to increase the city’s supply of new dwellings,” it said.

“Auckland Transport and Watercare’s SOIs should be amended to include performance measures relating to the efficient roll-out of new infrastructure to support an increased supply of new dwellings.

“The regulatory and institutional framework around the water sector can be improved. Discipline and transparency around the pricing of water services, and better performance monitoring, would improve the ability of the water sector to support urban growth,” the Commission said.

The Bill includes provision for Council input on CCO statements of intent and for performance monitoring. Each CCO – ie Watercare – must provide its shareholders the opportunity to influence the direction of the organisation, and must provide a basis for the accountability of the directors to their shareholders for the performance of the organisation.

And that performance monitoring? A local authority must undertake regular performance monitoring to evaluate a CCO’s contribution to the achievement of the authority’s objectives for the organisation, the desired results set out in its SOI and the overall aims and outcomes of the local authority.

What’s yet to be seen, however, is whether the changes would have such an effect as to fix the pending funding crisis for water pipe replacement and extension. I would think not. But with this Bill, central and local government will both be able to tap the argument that councils and their organisations have reached, or will soon reach efficiency limits.

And that’s the trigger for central government coming to the funding party.


           SIMON WATKINS: Lack of certainty hitting households    
That means danger for the wider economy, which has become too dependent on consumer spending for its growth.
          World Bank projects Croatia's growth in 2015 at 1.5%   

In order to ensure macroeconomic stability and growth, it is essential to continue dealing with fiscal weaknesses and the high rates of inactivity and unemployment and to resolutely implement long-term structural reforms


          Steve Bannon Designed “An Entirely New Political Movement”   

Steve Bannon Designed “An Entirely New Political Movement” “I’m not a white nationalist, I’m a nationalist. I’m an economic nationalist,” Bannon tells THR media columnist Michael Wolff as the controversial Breitbart News chief turned White House advisor unleashes on Hillary Clinton, Fox News and his critics. In late summer when I went up to see […]

The post Steve Bannon Designed “An Entirely New Political Movement” appeared first on Live Trading News.


          Risvegliarsi e non trovare più il sito Equitalia … Cucù, Equitalia non c’è più ma restano fermo amministrativo, ipoteca, pignoramento del conto corrente, dello stipendio e della pensione   
Come previsto dal dl 193/2016, dal 1° luglio 2017 le società del gruppo Equitalia sono state sciolte (tranne Equitalia Giustizia) ed è nato l’ente pubblico economico, Agenzia delle Entrate Riscossione

          97 Economic Facts The Doctor Who Episode "Oxygen" Got Wrong   
1. Oxygen is recyclable. It doesn't disappear when you breathe it. 2. They're mining copper ore. You know what a major component of many copper ores and other rocks is? Oxygen. 3. You know what the process of refining oxide ores does? It produces oxygen. 4. They're murdering the maintenance staff of a refinery to save money on oxygen. Do you have any idea how expensive it is to restart a refinery after a shutdown? 5. They're rationing oxygen, but not the resources required to produce oxygen. 6. They're sending out an entire new crew of employees on an interplanetary...
          Beck’s Accessories   
Beck’s Accessories provides you products in making your own premium and economical cigarettes.
          Comment on An argument from “The Standards of Faith of the United Methodist Church” part 4 by Gary   
Accept that there will be a split. Just address the best, easiest, method to accomplish the split, with the least disruption. Least economic impact. Least social disruption. How that is achieved, I have no idea.
          Comment on An argument from “The Standards of Faith of the United Methodist Church” part 2 by Gary   
In light of this 2017 report, things don't look all bad. http://s3.amazonaws.com/Website_Interpreter/magazine/2017/2017_State_of_the_Church.pdf Sure, there is a 12% drop in membership in North America in 10 years. But there is an overall increase worldwide by 12%. And interestingly, on Paid on Apportionments to All General Funds, 1994-2016* Only 84.4% paid in 1994. But 91.9% paid in 2016. So members must think something is better, or they are just doing better economically. So, the obvious questions to ask directly of the LGBTQ community in the Methodist Church - "What % of members are in the LGBTQ category? What % of those just can't live with the current status quo? What % are so upset, that they just can't accept status quo? What % are satisfied with a civil marriage, and what % just have to have a church wedding? What % are clergy or Bishops?" I would like to see a survey like that taken by this "Way Forward" group. Plenty of time, since they have till 2019 to decide their findings. The survey should be of LGBTQ Methodist members only. NOT the none-LGBQT members. I have a feeling that the majority of very militant advocates of this are either outside advocates (non-UMC), or - excuse the phrase - super liberal, self-perceived do-gooder types, that want to burn the house down to save the "principle" of acceptance of all. This, considering that "all" are already accepted, including taking communion. We are talking only of the expansion of clergy, and gay marriage within the church. Nothing else. I would also like to see a question included in a survey of LGBTQ Methodist members only, that asks, "Eliminating the phrase 'homosexual lifestyle is contrary to Christian teaching' from the BoD, if it results in the breakup of UMC as it currently stands, do you favor or oppose the change?" My guess is that the answers to the survey will only include a small % of the LGBTQ Methodist community that wants to burn the house down to eliminate the phrase. BTW - I still favor gay marriage within UMC, and gay clergy. But not at the expense of destroying a good thing (UMC). I suspect the majority of the gay Methodist may feel the same way. I suspect that the agenda for "change or else", is coming from mostly non-members, or members that are not gay, but think they are on a holy crusade. Either way, I think it would be important to get anonymous survey data from the actual LGBTQ Methodist community, and not just from politically driven "do-gooder" members, and non-members. My 2 cents worth.
          Australia to USA Sale! Special Fares in Economy & Business   
Australia to USA Sale! Special Fares in Economy & Business.
          Switching to Ethanol is Easier than Ever   
Switching To Ethanol Is Easier Than Ever Submission by Mario Charnell-Delgado (With some caveats) The Problem Crude oil is not a renewable resource, but for most Americans it’s still the only fuel available to them. It’s no secret that our reliance on oil leaves us dangerously exposed to supply disruptions, which have led to major economic ...more about Switching to Ethanol is Easier than Ever
          'We don't need you anymore' Poles snub Britain's Brexit in favour of China and Middle East   


BUOYED by an economic growth forecast, Polish workers have started to ditch the "sinking ship" of Britain, and attract businesses from China and the Middle East.
          Venturing Abroad   
venturing abroad   Mazars has teamed up with The Economist Intelligence Unit on the Venturing Abroad program. The campaign features a series of articles and interviews focusing on the challenges facing SMEs venturing abroad for the first time. Interview Series    The Challenges of Venturing Abroad    Title Here      Title Here      … Continue reading "Venturing Abroad"
          Comment on Elections are becoming weapons of mass distraction from the lack of economic traction. by marley engvall   
what is 'maynotmakeit'?
          Comment on Elections are becoming weapons of mass distraction from the lack of economic traction. by dofornow   
John Re attack on Kensington Town hall: I am surprised that the police have not put crime scene tape around the Housing Dpt. People have died! In my opinion, there are folk who would love to sack that place! Some to my eyes looked like street thugs….used shut down discourse and cause confusion and mayhem whenever immigration comes to the fore.
          Comment on Elections are becoming weapons of mass distraction from the lack of economic traction. by Hieronimusb   
Perhaps an alternative title for this post might be: Elections are becoming weapons of mass distraction from economic destruction. I mean, let's not beat about the bush..
          London School of Economics: Shqipëria në rrezik, fitorja e PS nuk e ndihmon vendin   
Në blogun ‘EUROPP’, të London School of Economics, është publikuar një artikull i studiuesit Max Fras, lidhur me zhvillimet që pritet të ndodhin në Shqipëri pas fitores së shumicës parlamentare nga Partia Socialiste. Fras e sheh si zhvillim negativ kontrollin e vetëm të qeverisë nga Edi Rama, pasi historia në Ballkan ka treguar se liderët […]
          DataStax Opens New Office In Tokyo To Meet Demand For Data Management For Cloud Applications   
DataStax, the leading provider of data management for cloud applications, today announced the opening of a new office in Tokyo, Japan. Companies throughout Asia Pacific and Japan (APJ) are undergoing rapid change in response to digital transformation, rising customer expectations, and the lightning fast pace of business that define the right-now economy.
          Los agricultores canarios se resignan ante un año catastrófico por la escasez de lluvias   

La lluvia, ya de por sí escasa en Canarias, apenas ha caído del cielo durante este 2017. “Desde octubre de 2016 a junio de este año ha habido un déficit de precipitaciones”, desvela el delegado de la AEMET en las Islas, Jesús Agüera. A los agricultores les quedaba la esperanza de que con la primavera, en los meses de abril o mayo, cayese algo de agua, pero lo que se ha producido es “un aumento de la temperatura de uno o dos grados por encima de la media”.

Aceptada ya la situación “catastrófica” para el sector primario en Canarias, según el presidente de la Unión de Pequeños Agricultores y Ganaderos (UPA) en Las Palmas, Antonio Suárez, no queda más que resignarse porque “no se puede hacer absolutamente nada, cuando viene un año como este es imposible aportar soluciones”. 

“En los últimos 30 años es difícil encontrar una época más húmeda de lo normal, en general las temperaturas son más cálidas de lo habitual”, afirma Agüera. Lo corroboran las presas: en Gran Canaria, los volúmenes de los embalses públicos (Chira, Ayagaures, Gambuesa, Candelaria, Fataga, Vaquero y El Mulato), estaban en su conjunto al 32% de su capacidad a finales de diciembre de 2015, al 23% en el mismo mes de 2016 y el último dato de 2017 las cifra en el 22%; en Tenerife, donde suelen caer más precipitaciones, los 20 embalses que gestiona la empresa pública de la corporación insular (Balten), muestra que están justo al 50% de su capacidad de media, lo que confirma también una progresiva disminución, ya que al cierre de 2016 estaban al 51% de ocupación, frente al 62% de la misma época en 2015.

En estas dos islas, las zonas más castigadas se ubican en el sur. “En el sur de Gran Canaria ya hay restricciones y hay que dejar de plantar el 40% de lo que otros años se ha podido cultivar”, explica Suárez.

De las restricciones sabe bastante el agricultor Juan Ramírez, miembro de Cosecha Directa que trabaja en la zona de El Tablero (San Bartolomé de Tirajana): “Nosotros tenemos unas limitaciones a la hora de usar el agua, contamos con un gasto de agua anual y de ese gasto, nos quitan unas 400 horas de agua, un 20% del agua que se consume en condiciones normales”.

Normalmente el agua con la que Ramírez riega sus cultivos proviene de las presas, que le cuesta unos “quince euros la hora” (36.000 litros), pero con la escasez de lluvias, deben recurrir a las depuradoras de Las Palmas de Gran Canaria, “y me sale a 18 euros la hora”, aunque sabe que a otros les cuesta hasta "36 euros la hora", algo "totalmente inviable".

Todo ello hace que los agricultores del sur grancanario se vean “limitados a la hora de cultivar” porque “la sequía nos deja sin mucho margen de maniobra”, ya que “no podemos usar todo el agua que necesitamos, que es la que usamos normalmente”, relata Ramírez. 

Hernán Tejera, secretario de la Asociación de Agricultores y Ganaderos de Canarias (Asaga), expone que “en el sur de Tenerife sigue habiendo problemas graves, como en Arico, a donde no llega el agua”, pero deja lugar a la esperanza debido a las medidas que se están tomando desde las instituciones: “Hay que recordar que se puso en funcionamiento la desaladora de Granadilla, que da servicio desde Arico hasta el Valle de San Lorenzo”.

“El espacio que va de Santiago del Teide hasta Adeje tiene posibilidades de mejora porque se ha inaugurado el bombeo desde la desaladora de Fonsalía, que está en fase de pruebas, hasta el depósito de Lomo del Balo. Se va aportar un caudal pequeño, entre 2.500 y 2.300 metro cúbicos de agua, pero es un aporte interesante debido al invierno tan seco que hemos tenido. Así que cualquier aporte es importante” narra Tejera.

Esta situación no se da en el sur grancanario porque “las desaladoras que están en Maspalomas funcionan para el abasto de la zona turística, que consume una barbaridad de agua. También hay alguna más, pero son particulares, de algún conde”, detalla Ramírez.

Lo que desconcierta al agricultor es que el principal municipio turístico de la Isla no tenga depuradoras y deban recurrir a traerla de la capital, algo que, por otro lado, agradece a las instituciones que lo hacen posible porque gracias a eso pueden decir que nunca se quedan sin agua.

Ramírez ha visto como compañeros “han abandonado cultivos por falta de recursos hídricos" y desconoce cómo se podrían mitigar los efectos de una sequía: “¿Cómo se reduce el gasto de agua? “ se pregunta.

Aunque en Tenerife Tejera no conoce "casos de abandono" sí reconoce que la sequía tiene una incidencia en el cultivo de la papa de forma indirecta. "La escasez de agua favorece el desarrollo de las plagas y la polilla guatemalteca ha echado a perder el 50% de los cultivos de papa".

Apuesta de futuro

Ante la falta de lluvias no se puede hacer gran cosa en la agricultura más que esperar a que llegue una época más húmeda, ya que lo prioritario es el abastecimiento de la población y el turismo.

"Hay municipios en los que el uso de agua compite con el abasto urbano y el turismo. Y esto hace que sea necesario dotar a todas las áreas turísticas de agua desalada a coste competitivo y, en la medida en la que la población pueda tener acceso a otro tipo de suministro hídrico, entendemos que las zonas dedicadas a la agricultura también tendrán más disponibilidad", explica Tejera

Mientras tanto, Ramírez recomienda “hacer campañas de concienciación para que la población consuma el agua de forma responsable” o, sobre todo, que los políticos “no estén dando un paso adelante y luego, cuando llega otro, den un paso hacia atrás”.

Se refiere Ramírez al salto de la central de Chira con Soria: “El mayor problema es que tenemos todo el agua que queramos, pero la tenemos que desalar y aquí entra la política. Lo ideal sería el salto de Chira, sería la panacea para el sur de Gran Canaria, porque esto significaría tener dos desaladoras que estarían bombeando agua permanentemente”, pero, hasta que eso llegue, debe aguantar lo mejor que pueda.

"Este año es un desastre para el agro de Gran Canaria porque las infraestructuras son las que están", remarca Suárez (UPA), quien tiene claro que la apuesta de futuro debe ir enfocada a "las desaladoras y renovables" porque las primeras no pueden abastecer a territorios de las zonas altas "debido a su coste energético" y, si además hay sequía "el agua de las presas de esos espacios se traslada a las zonas costeras", lo que provoca que "las partes altas se quedan secas".

Las renovables "reducen ese coste energético y abaratan el traslado de un metro cúbico de agua de un sitio a otro", concluye Suárez.


          Siguiendo las huellas del cambio   

Son muchas las áreas en las que se tambalean las bases que nos han traído hasta aquí. La lectura puede ser optimista, para quien lo lee como parte necesaria de la evolución, o derrotista para los que se agarran a presupuestos que, y a la vista está para quien quiera mirar, quedan obsoletos. Los cambios no son fáciles ni todos estamos preparados para avanzar al mismo ritmo, pero la buena noticia es que cada vez son más quienes se suman al carro. Y, con emoción, al menos por mi parte, la imagen de cabezas cortadas y gritos al vacío va siendo relegada por las iniciativas a las que cada vez se suman más personas y empresas. No hablamos de un simple cambio de camisa, hablamos de cambios de paradigma que se están dando en nuestros días, como por ejemplo en el mundo de la psiquiatría, de la enseñanza, y en el que nos ocupa hoy en concreto en este reportaje, el de la ecología o medio ambiente. Todos ellos tienen en común la evidencia empírica de que hay bastante que modificar y actualizar, es un cambio bárbaro el que hace falta, pero como podemos ver, ya hemos echado a andar.

En las tres áreas señaladas son graves las consecuencias que estamos pagando, pacientes diagnosticados con patologías y medicados, hasta el punto de llegar a ser enfermos crónicos, cuando muchas veces son estados naturales y humanos, cierto que complejos, de los que se están beneficiando sólo las farmacéuticas, puesto que ya se sabe que podrían tratarse desde otra perspectiva. Más y más alumnos que amplían los índices de fracaso escolar por no entrar en los estrechos márgenes que impone el sistema o la irresponsabilidad social que supone, tanto a nivel particular como corporativo, las conductas comerciales y empresariales a las que nos hemos acostumbrado, dañinas y agresivas, tanto para el medio ambiente como para nosotros.

A este panorama, no demasiado alentador, llegan como agua fresca noticias como las que hemos registrado en este mes y otras que están por llegar. En mayo se celebraba la Feria de Ecología y Sostenibilidad en el espacio del Cabildo La Granja, en el municipio de Arucas. Por allí pasaron miles de personas que conocieron, participaron, compraron o al menos vieron y disfrutaron los más de noventa puestos destinados a promocionar sus productos. La variedad de manufacturas naturales, biológicas o ecológicas allí presentes abarcó desde la alimentación, el vestido, los cosméticos, las terapias alternativas e incluso se expusieron coches eléctricos y distintos proyectos que no asumen el fomento de la economía separado de la responsabilidad social y el bienestar de las personas. Todos ellos con un fin común, contribuir a una mejor calidad de vida y proporcionar bien estar. Tratan de abrirse paso en el mercado y compiten con productos a los que ya estamos acostumbrados pero que, más veces de las que nos gustaría, esconden una parte que muchos de nosotros preferiríamos casi ni saber.

Buscando la manera de sumar

El presidente del Cabildo de Gran Canaria, Antonio Morales, visitó la feria y declaró que cada vez hay más personas, cooperativas, grupos de consumo y vías de comercialización. Llamaron la atención los talleres de terapias alternativas y, además de los stands, las personas que asistieron buscando contactos y colaboración o información. Macu Aguilera gestiona la marca de productos ecológicos Poppy Olé, centrada hasta el momento en la producción de moringa, una planta poco conocida y tan útil en alimentación, agricultura y medicina que la han denominado como la planta de la vida. “Este año no me dio tiempo a preparar el stand y apuntarme, pero el año que viene aquí estaremos”.

Paula Díaz es una de las responsables de la empresa Eco Touristing, organizadores de Verode (Ver- Oir-Debatir), nombre del I Foro de Turismo Sostenible de Canarias. Un evento que tendrá lugar durante los días diez y once de octubre en el municipio de Agüimes. “Pretende ser un espacio de debate y reflexión sobre el modelo turístico de Canarias, ofrecer visibilidad a casos de éxito en las islas y fomentar la transferencia de buenas prácticas en el sector. Todo desde una perspectiva integral de la sostenibilidad, atendiendo a criterios medioambientales, socioculturales y económicos.” Así nos lo presenta Paula que, como Macu, también asiste a la feria con la intención de generar vínculos.

Hablamos con Alicia Mir, responsable del Trade Project en cuyo stand nos explica cómo surgió y en qué consiste su empresa. “Yo me dedico al marketing y lo que hice fue pensar en cómo, desde mi lado creativo, podía ayudar a los sectores más vulnerables. Decidí crear un proyecto de responsabilidad social empresarial y organizo actividades de voluntariados con las multinacionales. Un día al mes, llevamos a un grupo de trabajadores de estas grandes empresas a trabajar en huertos sociales y ecológicos, parcelas que dan los ayuntamientos a organizaciones o grupos en riesgo de exclusión social, además las empresas donan material necesario. Es evidente que hay personas que quieren ayudar y no saben cómo, entonces yo les pongo en contacto, les invito a que lo hagan. No sólo están ayudando a personas sino que están cuidando el medio ambiente”. Alicia lleva dos años de andadura con este proyecto y está encantada, pero reconoce que aún no se explica cómo, pese a que hay financiación, manos para ayudar por un lado y gente que necesita ayuda por otro, por temas administrativos y burocráticos muchas veces no se puede dar ese intercambio.

Entre los productos de la feria todos de comercio justo o ecológicos, también presenciamos productos de importación, sobre lo que nos explica Alicia: “Ahora mismo no hay un nivel de negocio que permita generar empresas que se dediquen a la fabricación y distribución de productos 100% ecológicos, salvando el sector agrario que ya está en marcha, por eso seguimos encontrando productos importados y seguimos en la evolución de lograr acercarnos cada vez más al concepto kilómetro 0 en el resto de productos. Pero si es cierto que nos permite ampliar la variedad y concienciar y educar para que haya más interés en general”.

Alicia se alegra de que empiecen a generarse este tipo de actividades y espera que el pulmón que están significando en la sociedad nos llene de aires nuevos y vitalice la circulación de este tipo de comercio más consciente y saludable. “El público canario está cada vez más abierto a lo ecológico y lo natural, en Barcelona, Madrid, Valencia y Sevilla se hacen ferias como esta y los que estamos interesados en cambiar hábitos de vida y hemos asistido, estamos muy contentos de que por fin se hagan aquí”.

Entre los asistentes se comenta que los precios de los productos que se ofertan no son precisamente baratos. Alicia explica que, al ser aún minoría y el trato diferente que requieren este tipo de productos comparados con los de gran producción hace difícil bajar los precios, pero asegura que ahorramos en enfermedades, gastos derivados y preocupaciones.

La psicóloga Inmaculada Jáuregui, que asistió a la Feria, nos ofrece un breve análisis. “A pesar de haber miles de personas, encuentro que en una ciudad como la de Las Palmas, a estas alturas podrían ser muchos más los interesados. Falta difusión mediática. Variedad si hay, aunque no son todos los que están, ni están todos los que son, considero que es positivo mostrar el auge de este tipo de productos pertenecientes a un mercado que pretende crear conciencia. Los talleres, las conferencias pretenden hacer ver al ciudadano la importancia de lo ecológico y de mirar el panorama de forma cíclica, de ahí la presencia de los productos de temporada. También hemos visto en los stands, que sí hay productos que cumplen con la teoría y otros que son importados, por lo que tienen que seguir vías de comercialización no alternativas. Esto ocurre también con productos que son manufacturados aquí pero los elementos con los que se hacen vienen de fuera. Hemos visto desde placas solares a ropa reciclada o hecha con textiles naturales, en general una comercialización de productos orientada a la salud, al autocuidado. Los talleres de bioenergética y los masajes estaban a tope, paradójicamente ha faltado quorum en las conferencias. Es un muestrario de un tipo de vida que se querría, orientado a lo lento, a la tranquilidad que ha surgido en respuesta al sistema fagotizador y destructivo que conocemos. La edad de los que estamos aquí es entre los cuarenta y sesenta años más o menos, y algunos pequeños que van con sus padres. El factor generacional está claro”.

Ahora falta saber si las administraciones están por la labor de apoyar estas iniciativas y facilitar, visibilizar y apoyar un sector en auge, que, por lo menos apunta a fomentar otro tipo de valores. Como decíamos antes, iniciativas no faltan, como la Semana Internacional de la Energía, cuya cita en Las Palmas de Gran Caria también ha sido este mes de junio. Organizado por el periódico digital energyHub.es y la asociación Fodes por la Semana han pasado más de cien ponentes abordando temas energéticos, posibilidades de autoconsumo, la energía fotovoltaica, maremotriz y demás aplicables en Canarias, la aplicación de energía sostenible en proyectos arquitectónicos, etc. Por primera vez, estas jornadas se han celebrado en cinco escenarios diferentes con conferencias y encuentros entorno a la energía sostenible. Además de en las dos islas capitalinas, Gran Canaria y Tenerife, también en La Palma, Fuerteventura y Lanzarote. Y ya en el mes de octubre, como citaba antes, el I Foro de Turismo Sostenible Verode en el auditorio de Agüímes. Por allí nos vemos, si comparten la idea de desarrollo sostenible; aquél que se logra sin perjudicar al medio ambiente y sin poner en riesgo las posibilidades de desarrollo de las generaciones futuras.


          Piso, 1 dormitorio, 1 wc, 60m2, Madrid.   
360000
Preferible whassupp al 6624#####. Apartamento en Doctor Fleming frente al Ministerio de Economía en los Jardines, retranqueado. un portal con columnas y cristaleras entre la puerta principal y la que acede al hall de los ascensores para proteger...
1 habitación 1 baño 60 m² 6.000 €/m² cocina ascensor jardín bañera
Sat, 01 Jul 2017 23:15:58 +0200
          Consultant-Livelihoods Assessment, Madhya Pradesh - World Resources Institute - Sidhi, Madhya Pradesh   
This is highly relevant since Madhya Pradesh is endowed with rich natural resources and also has a large agrarian economy directly dependent on these resources....
From World Resources Institute - Sun, 21 May 2017 10:49:51 GMT - View all Sidhi, Madhya Pradesh jobs
          Commentary: California can afford universal healthcare - Santa Cruz Sentinel   

The San Luis Obispo Tribune

Commentary: California can afford universal healthcare
Santa Cruz Sentinel
But a single payer plan like SB 562 has many cost-savings built in; among them hugely reducing the administrative costs involved in private insurance and bringing the weight of California to the table when negotiating with drug companies. Access to ...
From Coast to CoastJacobin magazine
The Healthy California Act will bring quality health insurance to all CaliforniansThe San Luis Obispo Tribune
The American Health Care Act: Economic and Employment Consequences for Statescommonwealthfund.org

all 330 news articles »

          Should I be concerned about ransomware attacking my Mac?   

Ransomware continues to grow in popularity as a sort of ‘gold rush’ has been underway in the cyber underworld.

Hundreds of millions of dollars have been generated over the past couple of years with one security firm reporting that 64% of the victims they surveyed paid to get their files back.

Enterprising criminals are even posting ‘ready-to-go’ ransomware kits on the underground marketplace known as the ‘dark web’ with offers to split the revenue with users of their code.

The complexity of these attacks continues to grow as the security world and cyber-criminals face off in a high stakes game of ‘cat and mouse’.

The Bad News For Mac Users

All of the high profile ransomware attacks you’ve likely ever heard of have targeted Windows users, but some of the more recent code being made available via the dark web specifically targets all of the versions of the MacOS as well.

Since ransomware takes advantage of the user more than the operating system, there are few technical barriers to creating a Mac specific attack because the point of entry is getting the user to do something they shouldn’t do.

The most common attack vector for Macs so far has been through infected programs that are designed to bypass Apple’s built-in security (Xprotect and Gatekeeper).  These pre-made ransomware packages also claim to be able to bypass detection by at least 50 different anti-virus programs for both Mac and Windows.

The Good News

Unlike many of the Windows ransomware exploits that can compromise users through unpatched back-doors, clever phishing scams as well as rigged downloads, Mac users currently can only be exploited via a rigged download.

Despite the growing popularity of Mac computers, they still only account for roughly 7% of computers worldwide, so they still benefit from ‘security through obscurity’.

To further illustrate the difference in malware focus in general, one security firm puts the number that target Macs at roughly 450,000 while Windows has 23 million known threats.

From a practical standpoint, cyber thieves are always going to focus on the largest opportunity as they’re in it for the money.

Don’t Let Your Guard Down

Having said all that, everything is subject to change and having the ‘I have a Mac, so I don’t have to worry’ attitude is a bit misguided – there’s a reason why Apple stopped running the ‘we don’t get PC viruses’ commercials back in 2012.

Making sure you only get programs and apps from reputable sources, install the updates when Apple alerts you and keeping all your other Internet tools, such as your browser, Java and Adobe programs updated are important ongoing tasks.

Every computer user should also have a solid backup process - using an automated online backup service such as Carbonite (https://goo.gl/XKum9f) provides an extra layer of security that will save the day whether it’s ransomware, viruses, fire, flood or theft.

Cyber criminals know that Mac computers are more expensive and that Mac owners statistically tend to be on the higher end of the socioeconomic scale, so keep your guard up!


          Minister Giving Public Varsities Autonomy Is A Work In Progress   

Higher Education Minister Idris Jusoh said the process of giving more autonomy to public universities was a work in progress He said this in response to a by the Institute for Democracy and Economic Affairs which found that despite public u...
          President of ICE Tours Dover Western Docks Revival   
The President of the Institution of Civil Engineers (ICE), Professor Tim Broyd has witnessed first-hand the importance of the Port of Dover to national and local economic prosperity on a special visit to the port’s flagship Dover Western Docks Revival (DWDR) development. Speaking about the development, Professor Broyd said: “The revival of the Western Docks is […]
          Dredging Part of Ocean City Boat Ramp Project   
Maryland Governor Larry Hogan joined Maryland Department of Natural Resources Secretary Mark Belton and Ocean City Mayor Rick Meehan two days ago to officially open the public 64th Street Boat Ramp. “The boating industry is incredibly important to our state; it supports thousands of jobs and contributes $2 billion to our state economy,” said Governor Hogan. […]
          RESGATE DE EMPRESA   


Caros amigos leitores,

A grande quantidade de empresas que desaparecem antes de completarem dois anos de vida é a motivação deste blog, que tem como objetivo ajudar o empresário e o estudante na difícil tarefa de planejar, criar, desenvolver e controlar empresa, de  forma objetiva e simples, com os temas a seguir, já publicados:






-PONTO DE EQUILÍBRIO A BÚSSOLA DO EMPRESÁRIO
http://www.piresconsultores.com/2013/05/a-bussola-do-empresario.html

Os custos que ocorrem em um negócio, muitas vezes, não são considerados para o estabelecimento do preço de venda, por exemplo: 13º salário, férias com mais 1/3 e das provisões para aviso prévio e multa 40% do FGTS que tem de ser paga quando do desligamento de empregado.

Outro ponto importante é o cálculo do custo do homem-hora para efeito de cálculo do preço de venda, que não se confunde com o apurado pela Contabilidade da empresa, cujo objetivo é mais fiscal do que gerencial, não incluindo provisões retro mencionadas.

Embora tais provisões possam ser incluídas no Balanço como provisões para contingências, porém, não são dedutíveis para efeito de apuração do Lucro Real do Imposto de Renda.

Há ainda, as despesas indiretas de fabricação, os custos comerciais e impostos incidentes, despesas financeiras, despesas administrativas, e também o lucro a ser considerado.

Nosso modelo observa ainda a terceirização, muito comum em empresas, que permite o aumento de produção sem a necessidade de aumento da área fabril, permitindo maior produtividade, por conseguinte melhor preço de concorrência.

As despesas comerciais e impostos são destaque, pois, juntamente com o custo de mercadorias, ou dos produtos fabricados, conforme for o caso, compõem as despesas variáveis, ou seja,  aquelas que variam de acordo com o volume das vendas.

O Ponto de equilíbrio é instrumento de suma importância para a gestão da empresa. Tal apuração é importante, pois, além de informar o nível de venda a partir do qual a empresa passa a ter lucro, ou seja, não apresenta prejuízo, serve como aguilhão do próprio empresário, incentivando-o a procurar novos clientes para o incremento do negócio. É uma verdadeira bússola, guiando o empresário para seu objetivo.

Prever o futuro da empresa é elaborar um orçamento, com estimativas, mês a mês, baseado em critérios técnicos que procuramos passar de forma simples, sob o título Fluxo de Caixa (Cash Flow) – Orçamento da Empresa. É de se observar que os valores apresentados levam em consideração a política de vendas da empresa, considerando a sazonalidade da economia.

O Fluxo de Caixa é um reflexo do orçamento, sendo o principal instrumento para o planejamento da gestão financeira da empresa.

As Microempresas – ME e Empresas de Pequeno Porte, inscrita no SIMPLES NACIONAL são objeto de nossos comentários, tendo como enfoque o estabelecimento do preço de venda.

Controlar a empresa é criar elementos que permitam controlar receitas e despesas, independente de haver, ou não, uma contabilidade na empresa.

Com o orçamento detalhado, mês a mês, elaborado na forma sugerida, e anotando-se as receitas e despesas numa simples folha de papel, ao final de cada mês, totalizadas as despesas e receitas, transcrevendo-as  para a coluna “Real” do Orçamento, podemos comparar os valores previstos e o real de cada despesa, havendo, assim, um controle financeiro e orçamentário eficiente.

A inflação é um fator a ser considerado, pois, a experiência demonstra que o planejamento sem considerá-la nas projeções induz a equívoco que pode resultar em prejuízo. 

Para melhor prever o resultado da empresa, elaboramos o Orçamento Inflacionado, considerando o Orçamento com base no valor presente projetado, apurando receita e despesa, bem como resultado da empresa, mês a mês considerando a inflação.

Conhecer as regras do Imposto de Renda sobre a pessoa jurídica é indispensável para se optar pelo regime de tributação mais benéfico à empresa. Uma opção equivocada pode levar à falência. Neste sentido, o Orçamento Inflacionado pode ajudar na opção certa.

Resgate de empresa tem por objetivo chamar à  atenção para os riscos que se corre não adotando a administração estratégica sugerida no blog.

A globalização da Contabilidade é uma realidade. Temos de ajustar a Contabilidade das empresas às normas internacionais. O blog apresenta, de forma simples, o que é Contabilidade, permitindo que todos tenham possibilidade de entender os relatórios Contábeis. 

O Balanço Patrimonial é apresentado observando as alterações ocorridas na Leis das Sociedades Anônimas, que se aplica às demais empresas.

A Demonstração de Resultado do Exercício observa a Lei 6404 ajustada às normas internacionais.

A Demonstração dos Fluxos de Caixa estabelecida pela Lei 6404, que exige a demonstração dos três fluxos: a) das operações, b) dos financiamentos e c) dos investimentos.


Caros amigos, não tenham pressa em ler tudo de uma só vez, pois, embora os temas sejam colocados de forma simples, é necessário o entendimento de cada etapa para facilitar a compreensão do próximo, pois o modelo apresentado é a continuidade de uma ideia, que começa com “OS PRIMEIROS PASSOS NA CRIAÇÃO DE UMA EMPRESA”, a seguir, “CUSTO DE MÃO-DE-OBRA-DIRETA” para o estabelecimento do preço de venda, começando da postagem mais antiga para a mais recente, observando as datas das postagens.

Agradeço aos amigos que estão enviando mensagens, que são um estímulo à continuidade deste trabalho. Divulgue-o entre seus amigos e conhecidos. Caso precisem, entrem em contato.
 
Meu desejo é que você seja um empresário vencedor, ou um estudante com bom futuro profissional!

Caso precise de ajuda, envie um e-mail para "pires.antoniocarlos@gmail.com". Teremos prazer em colaborar. 

          REFLEXO DA INFLAÇÃO SOBRE O ORÇAMENTO   


O que você acha de ter um salário de
milhões?

Os salários refletem uma época de desajuste da economia. Os dados são reais, foram tirados de uma tabela salarial que vigorou no período.


Até 1994 o Brasil passou por vários planos econômicos na  tentativa de conter a inflação, que somente veio a ser superada com o Plano Real, com medidas que tiveram início a partir de março de 1994, com a conversão dos salários em URV - Unidade Real de Valor, a qual era reajustada diariamente com base na perda de valor da moeda da época (CR$), que também passou a ser usada  para valorizar contratos.

Os salários e contratos em URV eram valorizados para a moeda corrente com base no valor da Unidade Real de Valor da data do pagamento.                                    

Passado três meses nesse sistema, toda a economia estava alinhada pelo indexador, foi criado o Real, que substitui a URV, cuja valor em 30 de junho de 1994 correspondia a CR$2.750,00, passando, a partir de 1º de julho de 1994,  a ser valorizados em Real todos os salários e contratos.

É claro que outras medidas foram tomadas pelo Governo para sanar as contas públicas e equilibrar o Orçamento, para evitar que a inflação tomasse folego.

Para se ter uma ideia, até 30 de junho de 1994, os supermercados tinha funcionários para remarcarem diariamente, o dia todo, os preços das mercadorias, pois, a variação de preços ocorria duas, ou mais, vezes por dia, cada remessa que chegava já tinha novo preço. Os salários eram reajustados mensalmente. A inflação chegou a 80% em um mês.

As empresas, que haviam contraído empréstimos em moeda estrangeira, por incentivo do governo,  tiveram grandes prejuízos com as maxi-desvalorizações da moeda, principalmente as empresas que tinham contratos com o governo, pois, embora os contratos tivessem reajustes por índices contratuais, não havia como repassar as maxis-desvalorizações da moeda, que afetavam os empréstimos externos, aumentando as dívidas das empresas.

Também ocorreu o congelamento da  poupança, conhecido como confisco da poupança,  e foi decretada  moratória da dívida externa, que acabou com o interesse da empresas estrangeiras em investir no País, impossibilitando a criação de novos empregos e gerando desemprego.

Os salários foram achatados, perdendo o poder de compra, parte do salário não era corrigida, pois dependia de negociação com o empregador, porém, o desemprego era fator que impedia negociação que repusesse as perdas. 

A Contabilidade passou um período de muita dificuldade em demonstrar através dos balanços o patrimônio das empresas. Havia correção monetária do Ativo Imobilizado e do Patrimônio Líquido, que resultava em prejuízo ou lucro inflacionário.

Os técnicos estrangeiros não conseguiam entender como  o resultado negativo da correção monetária do balanço de um o ano influenciava o resultado do exercício seguinte, ou seja, o prejuízo inflacionário de um exercício  se transformava em parcela, que corrigida, influenciava positivamente o resultado da  correção monetária do exercício seguinte, podendo um prejuízo operacional se transformar em lucro após a correção monetária.

Participei ativamente do problema, como Gerente Financeiro de uma empresa estrangeira, com empréstimos em moeda estrangeira. Era uma loucura!

Deus deu um basta aquela loucura, concedendo luz aos dirigentes e técnicos que criaram o Plano Real, que resolveu o problema da inflação no Brasil.

Já se passaram 20 anos do Plano Real. Muitos não se lembram mais do que era a inflação. As técnicas usadas para elaborar os orçamentos, que considerava vários índices, que serviam para corrigir contratos e salários; bem como os instrumentos criados por lei,   tais como: gatilho salarial;   variação cambial com quatro taxas diárias. Não era fácil!

A volta da perda da capacidade de compra é motivo de preocupação, devendo as empresas considerarem em seus orçamentos a estimativa da  inflação para o período, minimizando o risco de perda. Tal providência, também, deve ser adotada para que não haja necessidade de reajustes acentuados, que dificultem as  vendas, principalmente, quando dos reajustes salariais e contratos reajustados em períodos mais longos.

A inflação tem um efeito devastador sobre a empresa, pois delapida o patrimônio sem que o empresário o perceba. Por exemplo, as mercadorias que estão em estoque, para efeito de cálculo do preço de venda, devem ter o valor atualizado, pois corre-se o risco do valor recebido na venda ser insuficiente para repor o estoque, principalmente, se tratando de produtos importados, que variam conforme o câmbio.


Também, é necessário que o preço de venda considere o fator inflação, desde a aquisição até o recebimento do valor relativo à venda, que, em muitos casos, já está embutida nos juros bancários em desconto de duplicatas,  empréstimo para capital de giro, que tem como garantia as duplicatas emitidas pelas vendas efetuadas.

O Orçamento já elaborado na postagem anterior, deve ser inflacionado, por um índice que represente cada tipo de despesa e receita. Assim, de acordo com  as operações da empresa, devem serem aplicados vários índices que representem: a inflação, a variação cambial, o reajuste de alugueis, o reajuste dos salários, reajuste de contratos de prestação de serviços etc.

As empresas estrangeiras necessitam, além de um orçamento em moeda corrente, do Orçamento em US$. Assim, as receitas e despesas projetadas que consideram os índices retro mencionados, resultando em um Orçamento inflacionado, que deve ser convertido, com base no valor estimado da moeda estrangeira, mês a mês, chegando-se a um Orçamento em US$.

Porém,  considerando que, regra geral, as empresas não possuem tamanha complexidade, adotaremos  em nosso trabalho apenas a estimativa do IPCA para inflacionarmos o Orçamento já estimado em nossa   postagem anterior. 

Conforme publicado no Estadão.com.br, a projeção de inflação medida pelo Índice de Preços ao Consumidor Amplo (IPCA) para 2013 subiu de 5,80% para 5,83%, de acordo com a pesquisa Focus divulgada nesta segunda-feira, 17, pelo Banco Central.

No caso,  a inflação prevista para 2013, segundo o Bacen, é de 5,83% para o ano,  adotaremos a inflação média, por mês, com utilização de uma calculadora financeira, da seguinte forma:

a) vamos tomar por base 100 com sinal (-), no início do período, colocar na calculadora financeira, como valor presente (PV);
b) a base 100+5,83 = 105,83, como valor futuro (FV);
c) número de meses: 12, em (n);
d) apertar a tecla da taxa (i);
e) a máquina calculará:  0,4733.

Vamos conferir?

O índice criado corresponde  à multiplicação do índice anterior por (1+0,004733), correspondendo a, 100% + 0,4733%.                                                                                                                                                                          

Por exemplo, no mês de janeiro: 100X(1+0,004733) =100,4733; fevereiro: 100,4733X (1+0,004733) = 100,9488.

Com o índice vamos inflacionar o Orçamento já elaborado para o primeiro semestre, apresentado na postagem FLUXO DE CAIXA (CASH FLOW) - ORÇAMENTO DA EMPRESA.

Entretanto, devido a esta postagem ter se estendido para dar uma ideia do que foi a inflação no Brasil, vamos apresentar o Orçamento Inflacionado no próximo post.

Caro amigo leitor caso esteja gostando do blog compartilhe-o com seus amigos e conhecidos! Isso nos incentivará no trabalho. Caso negativo, faça sua crítica, que nos ajudará a melhorá-lo. Nosso objetivo é ajudar, sem complicar.

Caros amigos leitores até a próxima, com o Orçamento Inflacionado!







          EMPRESAS QUE DESAPARECEM   


Caros amigos leitores,

A grande quantidade de empresas que desaparecem antes de completarem dois anos de vida é a motivação deste blog, que tem como objetivo ajudar o empresário e o estudante na difícil tarefa de planejar, criar, desenvolver e controlar empresa, de  forma objetiva e simples, com os temas a seguir, já publicados:






-PONTO DE EQUILÍBRIO A BÚSSOLA DO EMPRESÁRIO
http://www.piresconsultores.com/2013/05/a-bussola-do-empresario.html

Os custos que ocorrem em um negócio, muitas vezes, não são considerados para o estabelecimento do preço de venda, por exemplo: 13º salário, férias com mais 1/3 e das provisões para aviso prévio e multa 40% do FGTS que tem de ser paga quando do desligamento de empregado.

Outro ponto importante é o cálculo do custo do homem-hora para efeito de cálculo do preço de venda, que não se confunde com o apurado pela Contabilidade da empresa, cujo objetivo é mais fiscal do que gerencial, não incluindo provisões retro mencionadas.

Embora tais provisões possam ser incluídas no Balanço como provisões para contingências, porém, não são dedutíveis para efeito de apuração do Lucro Real do Imposto de Renda.

Há ainda, as despesas indiretas de fabricação, os custos comerciais e impostos incidentes, despesas financeiras, despesas administrativas, e também o lucro a ser considerado.

Nosso modelo observa ainda a terceirização, muito comum em empresas, que permite o aumento de produção sem a necessidade de aumento da área fabril, permitindo maior produtividade, por conseguinte melhor preço de concorrência.

As despesas comerciais e impostos são destaque, pois, juntamente com o custo de mercadorias, ou dos produtos fabricados, conforme for o caso, compõem as despesas variáveis, ou seja,  aquelas que variam de acordo com o volume das vendas.

O Ponto de equilíbrio é instrumento de suma importância para a gestão da empresa. Tal apuração é importante, pois, além de informar o nível de venda a partir do qual a empresa passa a ter lucro, ou seja, não apresenta prejuízo, serve como aguilhão do próprio empresário, incentivando-o a procurar novos clientes para o incremento do negócio. É uma verdadeira bússola, guiando o empresário para seu objetivo.

Prever o futuro da empresa é elaborar um orçamento, com estimativas, mês a mês, baseado em critérios técnicos que procuramos passar de forma simples, sob o título Fluxo de Caixa (Cash Flow) – Orçamento da Empresa. É de se observar que os valores apresentados levam em consideração a política de vendas da empresa, considerando a sazonalidade da economia.

O Fluxo de Caixa é um reflexo do orçamento, sendo o principal instrumento para o planejamento da gestão financeira da empresa.

As Microempresas – ME e Empresas de Pequeno Porte, inscrita no SIMPLES NACIONAL são objeto de nossos comentários, tendo como enfoque o estabelecimento do preço de venda.

Controlar a empresa é criar elementos que permitam controlar receitas e despesas, independente de haver, ou não, uma contabilidade na empresa.

Com o orçamento detalhado, mês a mês, elaborado na forma sugerida, e anotando-se as receitas e despesas numa simples folha de papel, ao final de cada mês, totalizadas as despesas e receitas, transcrevendo-as  para a coluna “Real” do Orçamento, podemos comparar os valores previstos e o real de cada despesa, havendo, assim, um controle financeiro e orçamentário eficiente.

A inflação é um fator a ser considerado, pois, a experiência demonstra que o planejamento sem considerá-la nas projeções induz a equívoco que pode resultar em prejuízo. 

Para melhor prever o resultado da empresa, elaboramos o Orçamento Inflacionado, considerando o Orçamento com base no valor presente projetado, apurando receita e despesa, bem como resultado da empresa, mês a mês considerando a inflação.

Conhecer as regras do Imposto de Renda sobre a pessoa jurídica é indispensável para se optar pelo regime de tributação mais benéfico à empresa. Uma opção equivocada pode levar à falência. Neste sentido, o Orçamento Inflacionado pode ajudar na opção certa.

Resgate de empresa tem por objetivo chamar à  atenção para os riscos que se corre não adotando a administração estratégica sugerida no blog.

A globalização da Contabilidade é uma realidade. Temos de ajustar a Contabilidade das empresas às normas internacionais. O blog apresenta, de forma simples, o que é Contabilidade, permitindo que todos tenham possibilidade de entender os relatórios Contábeis. 

O Balanço Patrimonial é apresentado observando as alterações ocorridas na Leis das Sociedades Anônimas, que se aplica às demais empresas.

A Demonstração de Resultado do Exercício observa a Lei 6404 ajustada às normas internacionais.

A Demonstração dos Fluxos de Caixa estabelecida pela Lei 6404, que exige a demonstração dos três fluxos: a) das operações, b) dos financiamentos e c) dos investimentos.


Caros amigos, não tenham pressa em ler tudo de uma só vez, pois, embora os temas sejam colocados de forma simples, é necessário o entendimento de cada etapa para facilitar a compreensão do próximo, pois o modelo apresentado é a continuidade de uma ideia, que começa com “OS PRIMEIROS PASSOS NA CRIAÇÃO DE UMA EMPRESA”, a seguir, “CUSTO DE MÃO-DE-OBRA-DIRETA” para o estabelecimento do preço de venda, começando da postagem mais antiga para a mais recente, observando as datas das postagens.

Agradeço aos amigos que estão enviando mensagens, que são um estímulo à continuidade deste trabalho. Divulgue-o entre seus amigos e conhecidos. Caso precisem, entrem em contato.
 
Meu desejo é que você seja um empresário vencedor, ou um estudante com bom futuro profissional!

Caso precise de ajuda, envie um e-mail 

 



          Comment on LRC Downgrades Recreational Marijuana Initiative Jail Savings, Says Measure Leaves Pot Illegal by Donald Pay   
I don't intend to disrespect the LRC, but the problem comes when they select one of any number of assumptions about a piece of legislation. Those assumptions probably get lobbied heavily behind the scenes and the public has no alternative when they choose faulty assumptions. The LRC process lacks of any peer review or public input into what assumptions they use and what economic models or calculations get used. They come out with what is deemed gospel, but it is a guess based on whatever assumptions they select. They need to consider a range of assumptions about a piece of legislation, explain them and the impact that has on the fiscal situation.
          The Plane That Won A War And Polluted A River   
This is a condensed version of a story originally published Sept. 29, 2015. Read the complete story here . There's an old photograph in my fathers office that Ive always wondered about. In it my grandfather and nine other young airmen stand in front of their B-17 plane, shoulders squared, smiling for the camera. They were probably in England at the time, getting ready to fly bombing raids over Germany in 1943. The plane sits elegantly on the tarmac behind them. On its nose are seven swastikas, neatly painted in red. One for each Nazi plane they shot down. WATCH: Battle Ready - The Digital Documentary The B-17 has been called the plane that won World War II. Thousands of these flying fortresses blackened European skies during the war. And thousands of young men risked their lives in these planes, dropping bombs that obliterated whole towns in Nazi-controlled Europe. The story of the B-17 has its roots here in the Northwest. Mass-producing the B-17 changed the citys economy, racial
          Seattle economics columnist fears Trump will keep his promises   
Deb Wang speaks with Seattle Times economics columnist Jon Talton about the economic promises President-elect Trump made during the campaign and how local businesses like Boeing and Amazon might be affected by them.
          Victory for Boeing at WTO, but it lacks teeth   
Bill Radke speaks with Seattle Times economics columnist Jon Talton about why the World Trade Organization is calling Airbus subsidies "unfair," and why it won't have much effect on Washington's Boeing employees.
          01/07/2017: FRONT PAGE: Zuma attacks critics but admits ANC corruption   
its character, the ANC needs to cleanse itself of the negative tendencies which have crept in over the years,” said Mr Zuma, who declared in parliament last week that he was doing a good job despite high unemployment, an economic recession and other...
          Why Middle Class Whites Are Dying Faster (In 6 Painful Charts)   
In 2015, a blockbuster study came to a surprising conclusion: Middle-aged white Americans are dying younger for the first time in decades, despite positive life expectancy trends in other wealthy countries and other segments of the US population.The research, by Princeton University’s Anne Case and Angus Deaton, highlighted the links between economic struggles, suicides, and alcohol and drug overdoses.Since then, Case and Deaton have been working to more fully explain their findings.They’ve now come to a compelling conclusion: It’s complicated. There’s no single reason for this disturbing increase in the mortality rate, but a toxic cocktail of factors.In a...
          Democrats Need To Recognize That Obama Screwed Over The Working Class   
Liberals see Obama as an economic savior who stopped a financial crisis, created scores of (crappy or part time) jobs, and did his best to fight for the little guy. That’s what the Left says. Stoller added that the evidence presents a different picture and one that offers a reason why Trump beat Hillary Clinton last November. For starters, Obama allowed the banks for foreclose on nearly 10 million homes, favored creditors over borrowers when both probably should have been shouldering the burden of the housing crisis together, and didn’t prosecute anyone who was involved in almost setting the world...
          Trump's Business Agenda Includes US Manufacturing, Massive Tax Cuts   
President Donald Trump met with business leaders Monday at the White House to discuss his agenda to improve the economy. He specifically focused on bringing manufacturing back to America as well as "massively" cutting taxes for companies and the middle class alike.
          Don't Blame "Baby Boomers" For Not Retiring - They Can't Afford To!   
In business, the 80/20 rule states that 80% of your business will come from 20% of your customers. In an economy where more than 2/3rds of the growth rate is driven by consumption, an even bigger imbalance of the “have” and “have not’s” presents a major headwind.
          Kudlow: Donald Trump Is the middle-class growth candidate   
Trump is the pro-growth candidate in this race. Hillary Clinton is the anti-growth candidate. Trump wants to expand national income and the economic pie. Clinton wants to redistribute income and shrink the pie. In past columns, I have equated Trump's tax-reduction plan to the JFK and Ronald Reagan tax cuts, which generated economic booms of roughly 5 percent growth per year. President Barack Obama, by comparison, has raised taxes, spending, and regulations, producing the worst recovery since World War II. And Clinton intends to follow in Obama's footsteps with a Bernie Sanders-like, left-wing policy mix. She is the Democrats' anti-JFK....
          Innovation Specialist -Tisdale, Sask - BASF: Canada - Saskatchewan   
We create chemistry through the power of connected minds. By balancing economic success with environmental protection and social responsibility, we are building...
From BASF - Tue, 20 Jun 2017 08:53:56 GMT - View all Saskatchewan jobs
          Punto de Vista   
Punto de Vista con los veteranos comunicadores William Torres, Anibal Ribot, y la Gerentóloga Tamara Pérez, es el programa donde todas las semanas tienen la confluencia de información, noticias y debates sobre los más recientes acontecimientos nacionales e internacionales. A ellos se les une cada semana una alineación estelar de analistas que informan sobre diferentes tópicos como la política, entretenimiento, arte y cultura, deportes, finanzas, economía, religión, tecnología y mucho más.
          The Silence Is Deafening, Indicators Point To An Event On The Horizon- Episode 1319   
In this episode of the X22 Report: Moody’s warns that the private label credit cards are going to be in trouble as more and more retail stores close. Q1 GDP was revised to an incredible 1.4. What made GDP surge, the spending on recreational vehicles. Banks begin to buy back there own stocks, this is not going to help the economy. The Treasury will run out of money by mid-October. Fed Ballard says the Fed has lost control of the market. Traders are worried about what Yellen says. The central banks are working with each to crash the system.
          Boucher, Dingell in House Energy Committee Call for Cap-and-Trade   

As he previously announced he would, Energy and Commerce’s Energy and Air Quality Subcommittee chair Rep. Rick Boucher (D-Va.) released the first of a series of white papers on climate legislation today, Scope of a Cap-and-Trade Program.

Based on the hearings earlier this year, the Committee and Subcommittee Chairmen have reached the following conclusions: The United States should reduce its greenhouse gas emissions by between 60 and 80 percent by 2050 to contribute to global efforts to address climate change. To do so, the United States should adopt an economy-wide, mandatory greenhouse gas reduction program. The central component of this program should be a cap-and-trade program. Given the breadth of the economy that will be affected by a national climate change program and the significant environmental consequences at stake, it is important to design a fair program that obtains the maximum emission reductions at the lowest cost and with the least economic disruption. The Subcommittee and full Committee will draft legislation to establish such a program.

Oddly, the white paper fails to mention a baseline for emissions reductions; the scientific consensus for the 80 percent reduction is from 1990 emissions levels.

The white paper makes no recommendations on how credits should be allocated, though Boucher has stated his resistance to auctions in the past. Nor does it discuss interaction with foreign carbon markets or how to deal with imports from unregulated entities.

The white paper argues that complementary measures are necessary:
“Even with a broad-based cap-and-trade program, complementary measures (such as a carbon tax or other tax-based incentives, efficiency or other performance standards, or research and development programs) will also be needed. For example, funding for research, development, and deployment of new technologies would assist industries that will need to adopt new technologies. In addition, efficiency or other performance standards might be appropriate for some economic actors that would be inappropriate to include directly in a cap-and-trade program, but that should contribute to an economy-wide reduction program in some other way.

Proposed measures range from Dingell’s carbon tax, increased CAFE standards, appliance and lighting efficiency standards, a federal renewable energy standard, to carbon sequestration funding.

Further notes are below.

Interestingly, the report draws extensively from the Nicholas Institute for Environmental Policy Solutions September report, Size Thresholds for Greenhouse Gas Regulation: Who Would be Affected by a 10,000-ton CO2 Emissions Rule? The Nicholas Institute is run by Sen. Lieberman’s former environmental counsel, Nick Profeta.

A later white paper will discuss carbon offsets in the agricultural and industrial sector.

Greenhouse gas emissions from other sources in [the industrial] sector (such as landfills) generally may not lend themselves to regulation under a cap-and-trade program if there is difficulty in measuring the emissions accurately. For example, EPA currently operates methane programs that encourages landfills and other soruces to capture gas and use it for electricity generation. . . . The agricultural sector, however, does have significant opportunities to reduce emissions that may lend themselves to measurement, which could make them appropriate as a source of credits or offsets in a cap-and-trade program…. [manure methane capture, cropland biological sinks]... A later White Paper will discuss the potential for using such reductions as offsets or credits as part of the cap-and-trade program.

          docente Avalúos catastrales - CICCE - Bogotá, Cundinamarca   
Titulo profesional en administración de empresas, Administración pública, contaduría, economista, Ingenierias y otros títulos de profesiones, con postgrados y
De Indeed - Sat, 24 Jun 2017 05:17:36 GMT - Ver todos: empleos en Bogotá, Cundinamarca
          Comment on What Trump Can Expect from Putin by Realist   
As I said in a reply to Alastair Crooke's piece, Putin needs to massage Trump's ego and make him feel like the second coming of Ronald Reagan. Tell the Donald he's got a chance to get favorable coverage in the history books, rather than seeing that literature ended in a nuclear conflagration, by renormalizing relations and making peace not war. With Trump being the supposed consummate businessman and self-proclaimed deal-maker of the century, Putin might tempt Trump with a pacel of economic development deals that would benefit both countries' oligarchs (and secondarily, as usual, societal needs) whilst lessening the temptation to resort to those shiny new high-tech weapons of war. America wants world wide military hegemony, why not plant the seed of a world-wide trade association instead.
          Comment on How Israeli/Saudi ‘Alliance’ Plays Trump by Realist   
Granted, Trump is being misled by the Saudis and the Israelis and the result might be a war that wipes out civilisation, but isn't the entire Congress just as gung-ho for Armageddon as the White House? And wouldn't Hillary Clinton already have delivered on nuclear annihilation if she had been elected? I could never see Vladimir Putin being able to manipulate or reason with Clinton who was out to prove she could best any man when it came to a fight, but perhaps he has the skills to massage Trump's ego to mitigate this confrontation between our nuclear-armed nations. I dunno, suggest to Trump how Reaganesque he looks and how the history books can paint him as the American leader who avoided catastrophe by choosing peace and cooperation over war and confrontation. Trump likes making deals. Putin should have a bunch of economic development deals, linked to de-escalation of tensions along the lines of conflict, in his hip pocket to offer Trump. I'd still much rather have Trump trying to converse with Putin than Mrs. Clinton trying to intimidate the guy.
          Latinos Key To U.S. Economic Growth, Study Finds   
In 2015, the 55 million Latinos living and working in the U.S. were responsible for $2.13 trillion -- or 11.8% -- of America's $18.04 trillion gross domestic product, according to a study released Thursday by the Latino Donors Collaborative.
          EXODUS II: Escaping the New World Order (Part TWO)   


EXODUS II:  Escaping the New World Order (Part TWO)
By:  Eric Gajewski

There are still so many people who are ignorant of the New World Order.  What do I mean when I say a New World Order and what is the Old World Order?  The Old World Order was Christendom.  We will only have true peace in this world once hearts come back to Christ and the Catholic Faith through the Blessed Virgin Mary.  There is NO other path.  A good portion of the world was once unified in Faith in the Catholic religion but over centuries due to heresy Christendom has been broken down.  The Gospel of our Lord has been replaced by Vatican II and a “feel good humanitarianism” which is only paving the way for the False Prophet and Antichrist.  It is void of the true Gospel and Faith.  How do we escape all that which surrounds us today? Whether it be false doctrine or the immoral filth being shoved down our throats.  Let me now continue on in this analysis between the crisis of Moses time and our own.  


Connection between Exodus 4:12 and Luke 21:15. God’s own then were being persecuted as so are we now.  We now have a hierarchy so theologically clueless that they are willing to give real Catholics new labels such as fundamentalist or Pharisaical.  Fortunately, Gods own then had good leadership and we have a hope of the great Pope to come to lead us through this tribulation as Moses once did.  Moses led His people through the Red sea and so will Peter II.  We shall arrive in the Promised Land safely passing through the two pillars of victory The Immaculate Heart of Mary and the Eucharist.  Nevertheless, see how in Exodus 4:12 God is telling Moses not to worry about what to say to the Pharao and persecutor’s.  God is telling His own the same now.  We have not seen anything yet in terms of the great persecution this is still to come leading up to the arrival of Antichrist and during the Great Tribulation.  The Holy Ghost will talk we must simply remain in patience to win our souls.  Faithfulness.

   All pledging their allegiance to the NWO and Antichrist Maitreya


 
The Abomination of Desolation: Maitreya's Image 

Notable traditional catholic apologist Kathleen Keating says Maitreya is Antichrist as well
Exodus 5:1 Let my people go that they might sacrifice.  We now have an attack coming from the highest authorities of the Church on the true Mass.  The contrived New Mass is not Catholic and pertains to the Conciliar Church.  A Conciliar Church which so adamantly stands behind “its cult of man” (FreeMasonry) principles and would even claim those not willing to submit to be heretical.  “The Church will be punished because the majority of Her members, high and low, will become so perverted. The Church will sink deeper and deeper until She will at last seem to be extinguished, and the succession of Peter and the other Apostles to have expired. But, after this, She will be victoriously exalted in the sight of all doubters.”   St. Nicholas von Flue (15th century)  We have a supposed Pope who doesn’t even believe in a Catholic God now attacking “traditionalist’s” left and right!  When shall we escape?  Perhaps when Catholics turn from the world and begin to see things through the eyes of God.  Those mixing themselves up with the world will find themselves in hell one day and sadly we so many on this path.  Modern “Catholics” seek a happiness which is not from God.  They do not want to embrace their cross like the Saints and thus they follow along in false obedience blindly to Vatican II and its feel good humanitarian gospel.  The Church is going underground but we shall still Sacrifice.  And the churches too will wail with a mighty lamentation, because neither oblation nor incense is attended to, nor a service acceptable to God; but the sanctuaries of the churches will become like a garden-watcher's hut, and the Holy Body and Blood of Christ will not be shown in those days. The public service of God shall be extinguished.”  St. Hippolytus (3rd century)

Mark of the Beast: New Age Luciferian Initiation 

Exodus 5:2  Who is the Lord that I should listen.  The Jews/Synagogue of Satan want nothing to do with the true God.  They put Him to death and now seek their New World Order who will be headed religiously by the False Prophet, who, thus, takes orders form the Antichrist.  Why should we listen to the Lord they are saying.  For this is not their “god”.  They are building a new world order largely on economics which the post Vatican II popes have supported.  Our supposed very own are in on the game objectively speaking.  This is why so many Catholics refuse to believe we are in an apostasy.  They say God would never allow something like this!  Oh yes He would and its found in Scripture, Tradition and approved Marian revelations!  They too don’t want to listen nor see the truth largely and thus we find ourselves in the endgame.  When Planet X passes and the sign of the son of man is seen up above the Jews and the whole world will see that I AM is coming and that He is in control.  Largely, we are in this mess because Christians take too much pleasure in this world and could truly care less about the work necessary to save their own soul.  It is a poor exchange the temporal now for the everlasting later.



AGE OF DECEIT* (FULL) Fallen Angels and the New World Order 


Exodus 6:4 God’s Covenant.  It continues on with His Catholic Church.  We know He is with us and His Church until the very end.  Matthew 16: 18 confirms this.  CERN, the Antichrist, and all the enemies of the Church cannot defeat that which is Divine.  Fatima records this continuation of the Covenant with His people.  “In the end My Immaculate Heart will triumph”.  Through, the Blessed Virgin Mary the Church continues on in Faith.  What is interesting to note is that the Church Fathers teach the Jews will convert to Catholicism in the end.  Specially over the preaching/finding of the Ark.  Is this not our Lady?  We must pray for the faithless to become of the Faith through Our model of Faith the Blessed Virgin Mary.  It is through her intercession that they shall see clearly in the final analysis.   

Fr. Kramer: Fatima, Church History & Present Crisis  

Exodus 6:6 God delivers.  I touched upon this briefly last installment.  It is not going to be “traditionalists” who save the day for the Church.  No, this crisis is FAR worse than the Arian crisis.  They have their false doctrines in place and a decent number of prelates are truly working for the enemy objectively speaking.  The others just follow in ignorance or in false obedience.  It is going to be God with His mighty Arm which is going to shake this world and deliver us from the enemy.  Make no mistake we still have to do our part in union with the immaculate and Sacred Heart but ultimately Redemption will come once again through the Christ via the Immaculate Heart.  Her mantle covers and His Heart shews forth Fire.  Those who spend little time in prayer are going to have a rude awakening soon as the whole world literally collapses around us.  I prove this daily in my work with all the signs of the end.  To make it through the days ahead you are going to need Faith more greater than the size of a mustard seed.  You are going to need a full tree, therefore, look for those opportunities in your life that God is giving you the opportunity to grow.

The Antichrist Is Here And Soon To Appear 

TradCatKnight: Triumph of Immaculate & Sacred Hearts  

          Brandon Smith: “Next Phase of Collapse Will Include the End of the Dollar as We Know It”   
Brandon Smith: “Next Phase of Collapse Will Include the End of the Dollar as We Know It”
SOURCE

The Federal Reserve Is A Saboteur – And The “Experts” Are Oblivious
I have written on the subject of the Federal Reserve’s deliberate sabotage of the U.S. economy many times in the past. In fact, I even once referred to the Fed as an “economic suicide bomber.” I still believe the label fits perfectly, and the Fed’s recent actions I think directly confirm my accusations.
Back in 2015, when I predicted that the central bankers would shift gears dramatically into a program of consistent interest rate hikes and that they would begin cutting off stimulus to the U.S. financial sector and more specifically stock markets, almost no one wanted to hear it. The crowd-think at that time was that the Fed would inevitably move to negative interest rates, and that raising rates was simply “impossible.”


Many analysts, even in the liberty movement, quickly adopted this theory without question. Why? Because of a core assumption that is simply false; the assumption that the Federal Reserve’s goal is to maintain the U.S. economy at all costs or at least maintain the illusion that the economy is stable. They assume that the U.S. economy is indispensable to the globalists and that the U.S. dollar is an unassailable tool in their arsenal. Therefore, the Fed would never deliberately undermine the American fiscal structure because without it “they lose their golden goose.”
This is, of course, foolish nonsense.
Since its initial inception from 1913-1916, the Federal Reserve has been responsible for the loss of 98% of the dollar’s buying power. Idiot analysts in the mainstream argue that this statistic is not as bad as it seems because “people have been collecting interest” on their cash while the dollar’s value has been dropping, and this somehow negates or outweighs any losses in purchasing power. These guys are so dumb they don’t even realize the underlying black hole in their own argument.
IF someone put their savings into an account or into treasury bonds and earned interest from the moment the Fed began quickly undermining dollar value way back in 1959, then yes, they MIGHT have offset the loss by collecting interest. However, this argument, insanely, forgets to take into account the many millions of people who were born long after the Fed began its devaluation program. What about the “savers” born in 1980, or 1990? They didn’t have the opportunity to collect interest to offset the losses already created by the Fed. They were born into an economy where saving is inherently more difficult because a person must work much harder to save the same amount of capital that their parents saved, not to mention purchase the same items their parents enjoyed, such as a home or a car.
Over the decades, the Fed has made it nearly impossible for households with one wage earner to support a family. Today, men and women who should be in the prime of their careers and starting families are for the first time in 130 years more likely to be living at home with their parents than any other living arrangement.
People are more likely to be living with their parents now than back during time periods in which young people actually wanted to stay close to their parents to take care of them. That is to say, most young people are stuck at home because they can’t afford to do anything else, not because they necessarily want to be there.
This is almost entirely a symptom of central bank devaluation of the currency and its purchasing potential. The degradation of the American wage earner since the Fed fiat machine began killing the greenback is clear as day.
The Fed is also responsible for almost every single major economic downturn since it was established. As I have noted in the past, Ben Bernanke openly admitted that the Fed was the root cause of the prolonged economic carnage during the Great Depression on Nov. 8, 2002, in a speech given at “A Conference to Honor Milton Friedman … On the Occasion of His 90th Birthday:”
“In short, according to Friedman and Schwartz, because of institutional changes and misguided doctrines, the banking panics of the Great Contraction were much more severe and widespread than would have normally occurred during a downturn.
Let me end my talk by abusing slightly my status as an official representative of the Federal Reserve. I would like to say to Milton and Anna: Regarding the Great Depression. You’re right, we did it. We’re very sorry. But thanks to you, we won’t do it again.”
Bernanke is referring in part to the Fed’s program of raising interest rates into an economic downturn, exacerbating the situation in the early 1930’s and making the system highly unstable. He lies and says the Fed “won’t do it again;” they are doing it RIGHT NOW.
The Fed was the core instigator behind the credit and derivatives bubble that led to the crash in 2008, a crash that has caused depression-like conditions in America that we are still to this day dealing with. Through artificially low interest rates and in partnership with sectors of government, poor lending standards were highly incentivised and a massive debt trap was created. Former Fed chairman Alan Greenspan publicly admitted in an interview that the central bank KNEW an irrational bubble had formed, but claims they assumed the negative factors would “wash out.”
Yet again, a Fed chairman admits that they either knew about or caused a major financial crisis. So we are left two possible conclusions — they were too stupid to speak up and intervene, or, they wanted these disasters to occur.
Today, we are faced with two more brewing bubble catastrophes engineered by the Fed: The stock market bubble and the dollar/treasury bond bubble.
The stock market bubble is rather obvious and openly admitted at this point. As the former head of the Federal Reserve Dallas branch, Richard Fisher, admitted in an interview with CNBC, the U.S. central bank in particular has made its business the manipulation of the stock market to the upside since 2009:
“What the Fed did — and I was part of that group — is we front-loaded a tremendous market rally, starting in 2009.
It’s sort of what I call the “reverse Whimpy factor” — give me two hamburgers today for one tomorrow.”
Fisher went on to hint at his very reserved view of the impending danger:
“I was warning my colleagues, Don’t go wobbly if we have a 10 to 20 percent correction at some point… Everybody you talk to… has been warning that these markets are heavily priced.” [In reference to interest rate hikes]
The Fed “front-loaded” the incredible bull market rally through various methods, but one of the key tools was the use of near-zero interest rate overnight loans from the central bank, which corporations around the world have been exploiting since the 2008 crash to fund stock buybacks and pump up the value of stock markets. As noted by Edward Swanson, author of a study from Texas A&M on stock buybacks used to offset poor fundamentals:
“We can’t say for sure what would have happened without the repurchase, but it really looks like the stock would have kept going down because of the decline in fundamentals… these repurchases seem to hold up the stock price.”
In the initial TARP audit, an audit that was limited and never again duplicated, it was revealed that corporations had absorbed trillions in overnight loans from the Fed. It was at this time that stock buybacks became the go-to method to artificially prop up equities values.
The problem is, just like they did at the start of the Great Depression, the central bank is once again raising interest rates into a declining economy. This means that all those no-cost loans used by corporations to buy back their own stocks are now going to have a price tag attached. An interest rate of 1% might not seem like much to someone who borrows $1000, but what about for someone who borrows $1 Trillion? Yes, borrowing at ANY interest rate becomes impossible when you need that much capital to prop up your stock. The loans have to be free, otherwise, there will be no loans.
Thus, we have to ask ourselves another question; is the Fed really ignorant enough to NOT know that raising rates will kill stock markets? They openly admit that they knew what they were doing when they inflated stock markets, so it seems to me that they would know how to deflate stock markets. Therefore, if they deliberately engineered the market rally with low interest rates, it follows that they are deliberately engineering a crash in markets using higher interest rates.
Mainstream economists and investment “experts” appear rather bewildered by the Federal Reserve’s exuberance on rate hikes. Many assumed that Janet Yellen would hint at a pullback from the hike schedule due to the considerable level of negative data on our fiscal structure released over the past six months. Yellen has done the opposite. In fact, Fed officials are now stating that equities and other assets appear to be “overvalued” and that markets have become complacent. This is a major reversal from the central bank’s attitude just two years ago. The fundamental data has always been negative ever since the credit crisis began. So what has really changed?
Well, Donald Trump, the sacrificial scapegoat, is now in the White House, and, central bank stimulus has a shelf life.  They can’t prop up equities for much longer even if they wanted to. The fundamentals will always catch up with the fiat illusion. No nation in history has ever been able to print its way to prosperity or even recovery. The time is now for the Fed to pull the plug and lay blame in the lap of their mortal enemy – conservatives and sovereignty champions. They will ignore all financial reality and continue to hike. This is a guarantee.
In the Liberty Movement the major misconception is that the Fed is attempting to “catch up” to the next crash by raising interest rates so that they will be ready to stimulate again. There is no catching up to this situation. The Fed has no interest in saving stock markets or the economy. Again, the fed has raised rates before into fiscal decline (during the Great Depression), and the result was a prolonged crisis. They know exactly what they are doing.
What does the Fed gain from this sabotage? Total centralization. For example, before the Great Depression there used to be thousands of smaller private and localized banks in America. After the Great Depression most of those banks were either destroyed or absorbed by elite banking conglomerates. Banking in the U.S. immediately became a fully centralized monopoly by the majors. In a decade, they were able to remove all local competition and redundancy, making communities utterly beholden to their credit system.
The 2008 crash allowed the banking elites to introduce vast stimulus measures requiring unaccountable fiat money creation. Rather than saving America from crisis, they have expanded the crisis to the point that it will soon threaten the world reserve status of our currency. The Fed in particular has set the U.S. up not just for a financial depression, but for a full spectrum calamity which will include a considerable devaluation (yet again) of our currency’s value and resulting in extreme price inflation in necessities.
The next phase of this collapse will include the end of the dollar as we know it, making way for a new global currency system that uses the IMF’s SDR basket as a foundation. This plan is openly admitted in the elitist run magazine ‘The Economist’ in an article entitled “Get Ready For A Global Currency By 2018.
It is important to understand what the Fed actually is — the Fed is a weapon. It is a weapon used by globalists to destroy the American system at a given point in time in order to clear the way for a new single world economy controlled by a single managerial entity (most likely the IMF or BIS). This is the Fed’s purpose. The central bank is not here to save the U.S. from harm, it is here to make sure the U.S. falls in a particular manner — a controlled demolition of our fiscal structure.


The US Is Becoming A 3rd World Nation As The Economy Breaks Down: Paul Craig Roberts

 



          Spiritual Wickedness in High Places: Malachi Martin on The End of Religion (As We Know It)   
Spiritual Wickedness in High Places: Malachi Martin on The End of Religion (As We Know It)
SOURCE
(Note: The following was one of the last interviews by Malachi Martin before his death in 1999.)

      Ever since Nimrod and the Tower of Babel, the Power Elite have never given up on their feverish dream of a One World Government.

      Former Jesuit Malachi Martin's novel, Windswept House (Doubleday/ Main Street Books), offers a lurid behind the scenes look at a cabal of Vatican insiders who want to use the Roman Catholic Church as a foundation for a politico-religious New World Order.

      The plot of the novel involves a group of Church officials who scheme with a group of like-minded corporate executives to manipulate the Church into a ready-made infrastructure for a One World Religion -- a universal umbrella for everybody from Episcopalians to voodoo practitioners.

      The new ecumenicalism is clothed in Globalist garb. The agenda includes promoting issues like population control, environmentalism and secular humanism, which the plotters hope will eventually lead to the complete secularization of religion. 


      The most outrageous and controversial premise of the novel -- described in great detail in the prologue -- is that a ceremony was performed in the Vatican in 1963 -- an occult ritual which enthroned the fallen archangel Lucifer as the head of the Roman Catholic Church.

      Does Dr. Martin believe that this enthronement actually took place in his novel, which could liberally be described as a roman a clef?

      "Yes, it did," he says emphatically. "Beyond a shadow of a doubt in my mind. But now the place, time, hour etc., are all obfuscated to protect the guilty and save the innocent."

      Was it common knowledge in the Vatican at the time? "Not common knowledge," explains Martin. "But I found out about it by being a member of the Vatican circles that learned these things. It's like everything else. I'm sure there are people floating around Washington, and they know an awful lot about what's going on. Someone says, 'how do you know that'? Well, it's just... we know it."

      The story ofWindswept House continues in present day Europe as an international group of conspirators spanning Church and State plots a one world government on behalf of Lucifer. So are readers to infer that no matter what happens, the Pope and the Church hierarchy are bound to serve the fallen angel?

      "No," explains Dr. Martin. "What it means is that for the moment, Lucifer the biggest archangel, the leader of the revolt against God, has a big in with certain Vatican officials. Enthronement doesn't mean that he rules. It means that they did their best to put him there. The ideal would be to have their man as Pope. In that case then Satan would be enthroned."

      The book goes on to describe how two brothers, one a priest and the other an investment banker, grapple with these awesome consequences as pawns in the game. Meanwhile the cabal of Globalist-oriented Vatican officials and European-based internationalists try to corner the Pope into voluntary resignation so that they can get their man in the Chair of Peter.

      This theme coincidentally is also the basis, albeit in non-fiction form, of Martin's book The Keys of This Blood: Pope John Paul II Versus Russia and the West for Control of the New World Order.

      The upshot? A One World Government is a fait accompli, he infers. What Dr. Martin calls the "millennium endgame" is a competition for a new global hegemony by the key Globalist players. What's interesting is that the novel appears to be a seamless transition from his previous non-fiction work. The reader then is put in the position of concluding that the New World Order is a done deal, that a One World Government is here and now and, as the expression goes, it's all over but the crying.

      But you wouldn't expect Globalist agit-prop from a former Jesuit. Or would you?



The Enthronement of Lucifer in the Vatican

 

And Who Is Malachi Martin?

      Author of 15 books on religious and geo-political topics, Malachi Martin is highly regarded and respected as a world renowned scholar.

      Trained in theology at Louvain, he received his doctorates in Semitic Languages, Archaeology and Oriental History. He subsequently studied at Oxford and Hebrew University in Jerusalem. From 1958 to 1964, he served in Rome, where he was a close associate of the Jesuit cardinal Augustin Bea and Pope John XXIII, as well as a professor at the Vatican's Pontifical Biblical Institute.

      Malachi Martin is the author of many best-selling books including Vatican, Hostage to the Devil, The Jesuits, The Final Conclave, and The Keys of This Blood. Also he was a Roman Catholic priest of the Society of Jesus until 1964 when he left the Jesuits. Why?

      "It was a grave decision," he says. "I could see the way the Church was going, the way churchmen were going in their decisions and all the anchors I had for morality and zeal were being undone. Then when the Vatican Council started in 1962, I could see the way the flow of opinion was going in the Vatican by a group of cardinals from Belgium, Germany and France. They were maneuvering the Church into totally new ecclesiology. I couldn't accept this."

      As an advisor to three Popes, Dr. Martin has had his fair share of romanita, that uniquely Roman methodology of connivance and power politicking. "I started off as an advisor on Judaism," he continues. "I was trained in Semitic languages and I spent a year and a half studying the Talmud... Then my superiors in Rome also found that I understood Judaism very well. They wanted someone to explain it, since they were studying the whole question of Jewish-Christian relations. So I was drafted into helping with that."

      And the outcome? "They produced a document in which they sort of absolved the Jewish people of the death of Christ."

      Based on his research? "No, not on my research," argues Martin. "I was only a cog in the wheel. I didn't agree with the final document either. It went too far. And then there were conclusions about the need for Catholics to study Judaism and get to know them better."

So this was the ecumenicalization of the Church that was going on?

      "That's it in one word," concurs Martin. "And I couldn't agree with the total effect of all that because I thought they went too far."

      Dr. Martin was also involved with Vatican intelligence. What did he do? "Just assessing things in Israel, whatever anti-Christianity there was amongst the Israelis. There was and still is. And what was the position of the Arabs. I used to live in Jordan and Lebanon and Egypt. I knew those places very well and could assess the position of the Church and the various Christian communities."

      The many-talented Dr. Martin is also known as a practicing exorcist and has even written a book about the subject called Hostage to the Devil.

      He says he came up against evil as a force in the world in an uncontrovertible undeniable way in his first exorcism.

      "I was in Cairo and it was evil," Dr. Martin recalls.

      "You know you only have to enter its presence, or for it to enter your presence to know that you are in the presence of something which is summarily evil."

      "It's invisible. You can't see it. But you know it wants you dead. Dead. Dead. And in a horrible way," he repeats in a hypnotic voice. "It's touching your very bones by its presence."

      So how does he explain the phenomenon of demonic possession? "Free will", says Dr. Martin. "For the first time in the work we have been doing for thirty-one years in this corner of the globe, during the last ten years or so, we have found young men and women thirty-somethings or twenty-somethings coming forward and saying, 'Listen I made a pact with the devil. I wanted this woman. I wanted this man. I wanted this job. I wanted this money. I wanted this, this, this, and I made a pact and he gave it to me and now I can't get free of him. He dominates my will. Please liberate me. And then people get to it by means of things like a ouija board or by spiritual seances or channeling."

      Malachi Martin is also known as a serious scholar of apocryphal writings, having authored a book called The Scribal Character of the Dead Sea Scrolls.

      (As an impressive mark of his erudition, Malachi Martin even knew about the alternative Abraham and Isaac story in one of the so-called Pseudepigrapha, the Book of Jubilees. In this unsanctioned version of Genesis, Abraham is commanded to kill his son, but not by God. Instead it is Mastema, a fallen angel known as "the accusing angel" as well as the Tempter and Executioner, who tells the Hebrew patriarch to do the dirty deed. To his credit, of course, Abraham doesn't slaughter his firstborn. When asked why the Genesis version omits details of the fallen angel Mastema as the instigator of Abraham's test, however, even Malachi Martin admits ignorance.)

Bernard Janzen "Fr. Malachi Martin: Camouflaged Apostasy"


The Globalist Imperative

      Like the prissy intellectuals of the 1930s enamored by National Socialism (as well as Fabian Socialism), the current fin de siecle version of internationalists are likewise paving their own road to a Globalist hell with good intentions.

      Using the Hegelian model of history, first there was Capitalism (thesis), then Communism (antithesis), and now there's the New World Order (synthesis), risen from the ashes of the Cold War and the formerly 'competing' ideologies.

      International socialism or corporate fascism (aka Globalism) is, in fact, the trendy philosophy for the end of the millennium. In his book Megatrends 2000, Olympian futurist John Naisbitt calls it "free market socialism," a hybrid economic system that combines welfare state policies with multinational corporate business on a global level.

      Globalism, however, as a secular religion, has a dogma all its own. Its primary belief system is based on the notion that the usefulness of the nation-state is over. In other words, national sovereignty is a thing of the past and a One World Government is inevitable. But... this effort, at least for now, must be couched in cryptic language for the unwashed masses. Otherwise they'd get too upset.

      Globalist spokesman Zbigniew Brzezinski, former Columbia University professor, President Carter's former National Security advisor, and founder of the Trilateral Commission spoke at the Gorbachev Foundation's State of the World Forum in 1995, "We cannot leap into world government in one quick step," he said. "(It) requires a process of gradually expanding the range of democratic cooperation." In plain language, that means people must be further indoctrinated.

      Eurocrat Jean-Marie Guehenno hints at this global hegemony or one world totalitarianism calling it an "empire without an emperor." Guehenno wrote The End of the Nation-State (1995) which was called La fin de la democratie (The End of Democracy) in the original French version. Since nation states are obsolete, he claims, "'wise men' capable of thinking through the finite world that has become our common lot" must be entrusted to guide us into what he calls an 'Imperial Age'." Presumably Guehenno counts himself as one of the ranks of "The Wise Men."

      Most striking though is a chapter in Guehenno's book called "Religions without God", which evokes the image of the humanist shaking his fist at an empty sky. The ultimate reduction of this conundrum for the internationalists is to hint at a "global politburo" to run the world as posited by Paul Mazur in Unfinished Business (1979).

      According to Dr. Martin's nomenclature, Guehenno is one of the Transnationalists -- bureaucrats who believe that Globalism is based on "the development of new and ever wider interrelationships between the governments of the world".

      On the other hand, the Internationalists are "individuals who operate from a power base of finance, industry and technology". Together these groups are the Globalists, the social engineers conniving for the convergence of East and West in the so-called New World Order.


Luciferian Geo-Politics

      For a Churchman, Malachi Martin shows a remarkable familiarity and understanding of Luciferianism, a belief system which hold human wisdom, secular humanism if you will, as its paragon and the fallen archangel Lucifer as the Prince who will rule the world.

      Readers ofWindswept Houseare given the impression that the old traditional Catholic Church is good because the protagonists, Christian Gladstone and his mother are defending it, while we know that the Church has been dedicated to Lucifer. Faced with these two alternatives, the conclusion is that the Roman Catholic Church run by Lucifer is good -- a classic (and incredibly sophisticated) double bind, which is constantly reinforced in the reader's mind throughout the 646 pages of the novel.

      "Well, the Church itself has not been given to Lucifer," argues Dr. Martin. "He was enthroned in the Vatican by Vatican officials. That doesn't mean he possesses the Church yet. The Church anyway is an ambiguous term because it either means the actual physical bloc of churches, convents, libraries, academies, parish houses and cathedrals, the physical plant. Or it means the group of faithful in the state of grace whether they are alive in Purgatory or in Heaven. That is the body of Christ."

      "There has always been, since the fourth century, this organization set up by the Emperor Constantine. But that is not essential for the Church. The Church can exist without it. So that mystical body of Christ has not fallen into Lucifer's hands. The organization to some degree has. That's the difficulty."

      What about the book putting his readers in a double bind? You're presented with two choices. Either A. The Luciferian-controlled Roman Catholic Church. Or B. The Luciferian-controlled New World Order. So where does Malachi Martin find himself?

      "The New World Order is definitely won by Luciferian believers," says Dr. Martin. "There's no doubt about that."

      And then he starts to rationalize their modus operandi.

      "But these are men who came to be and are in their actions at least, humanitarian and philanthropic. They want to wipe out hunger and disease. They want to limit the population of the world. They believe the world is headed for mass starvation. They also want to enter into education. They would like to have an alliance with the Roman Catholic Church and with another pope. This one -- they know would stand in their way in regards to population control because he is deadstart against abortion, contraceptives, genetic engineering."

      And what about "The Process" he refers to in his book?

      Dr. Martin replies that it's the "Luciferian Process" of secularizing every religious mind so that the common mind today would be one which regarded the earth as a planned paradise to be built up. There is no God above the skies, no heaven, and there is no hell beneath the earth. It's complete secularization."

      (John Lennon's classic rock anthem "Imagine" comes to mind. "Imagine there's no country," he sang. "It isn't hard to do. Nothing to kill or die for. And no religion too.")

      But do the Luciferians have a timetable?

      "We are now according to the official doctrine of the Luciferians in what they call "the Availing Time". They have a tradition that in these years they can avail of the time to install the Prince, who is Lucifer, as the greatest power on earth in charge of human civilization and adored by men."

      And to what end?

      "To exalt the power of Lucifer. That is the end in itself. It's the Luciferian purpose. If they don't do it in these years, then it is put off sine die, without resolution. They are very keen on getting it done."

      And what are the next steps in this "Process"?

      "The purpose is to secularize education completely," continues Dr. Martin. "And to eliminate from considerations of life and death -- medicine, sociality, finance, birth, development etc., to free that of any religious presumption whatever. To free it from the superstition of religion so that man is dealt with scientifically and humanly. And that is 'the Process'. 'The Process' is to make the human mind accept that... 'The Process' is whereby all education, primary secondary and higher, college university and all public activity is completely rid of all religious presumptions."

      "There is a layer of satanism, of satanist ritual which prepares people for perfect Luciferian adoption. They have covens and sacrifices and rites. The Luciferians have no rites, you know."

      So dabbling with satanism in these rituals leads to a different form of "commitment" which is Luciferianism?

      "It is a preparation for Luciferianism and there are reversals sometimes," claims Dr. Martin. "You will find a crowd of Luciferians having a satanic ritual as a reminder of things. But they have all passed through in a sense and that involves three things: the infliction of pain without flinching, the infliction of death without flinching, and the use of fire."


Windswept House — Message and Subtext

      In Windswept House, Christians and Luciferians clash over the remains of the Roman Catholic Church. It's a controversial and provocative story, a political thriller with metaphysical implications. It delves into the depths of treachery, intrigue and Machiavellian politics at the highest levels of the Church. As a fact-based novel with frequent lengthy asides on real historical geopolitical events like the fall of the Soviet Empire and the Helsinki Accords,Windswept House is a vehicle for one simple message -- the New World Order is here and now.

      While a group of cardinals scheme to force the Pope to resign his office so they'll be able to install a man who will do the Luciferians' bidding, a priest, Christian Gladstone is called to Rome. Cardinal Maestroianni, a power player and one of the leaders of the cabal, enlists the priest to poll bishops regarding closer ties with the European Economic Community. In fact, however, the Cardinal is assessing the timing for a conclave in which the Slavic Pope would be forced to resign because he has become a stumbling block in the Luciferians' plans.

      From the business side, Paul Gladstone, Christian's brother and an expert in international relations working at a Globalist law firm, is also unknowingly recruited to bring the Luciferian plan to fruition. When the brothers find out they are both being unwittingly used in the schemes of the Luciferians, they join forces. Christian then must reach the Pope to tell him that he is being manipulated to abdicate the Chair of Peter.

      Will the Pope resign? And will he exorcise the Church in time?

      The subtext? It doesn't really make a hell of a lot of a difference. 

Father Malachi Martin: End of Christian Civilization



The Future of the Church Militant

      In his novelWindswept House Malachi Martin expostulates his readers regarding the reasons why the "Slavic Pope" (Pope John Paul II) is so ineffectual. But what is the Pope's agenda as he sees it?

      "I think that from the very start John Paul II for whatever reasons, has sought after one thing and one thing only," says Dr. Martin. The formation of what now appears to be in his mind, a universal assemblage of Catholics at the core; grouped with them the Protestant denominations, sects and churches; grouped around them believing Jews, believing Muslims, believing Hindus, believing Buddhists. And that would be a universal religious assembly that could have a powerful dynamic kick in civilization and in solving the problems of men and women today. That is the only thing you can really say this man has sought heart and soul and body with all his travelling. When he went to churches all over the world, member churches of the Catholic Church in all the countries, he was bolstering the reputation of the papacy and he was speaking Catholic dogma, Catholic belief, Catholic morals. But in reality he was reaching out to everybody. He wanted to make friends with everybody."

      And what about the widespread homosexuality, pedophilia and satanic rituals in the Church, common knowledge he avers known to all Vatican insiders? Since as he wrote Christ is no longer honored in the tabernacle, what does he think will happen?

      "Once the tabernacle is emptied of Christ's real presence, then the Church ceases to be holy and therefore it's going to be entered by the opposite power, Lucifer," says Martin. "And this is taking place now. Not widespread, but it is taking place. There's no doubt about that."

      So will the Church fall on its own? "It's disintegrating slowly," says Martin. "As an organization, it's being marginalized sociopolitically and culturally. And religiously, it's weakening and decaying, obsolescing..."

      "If you look at any country today there are three identifiable components of that State. One, the government. Two, there is industry. Third, there are what we call NGOs, the non-governmental organizations. That's everything from Mothers Against Drunk Drivers to the Catholic Church. And they're just simply lumped together, voluntary associations with as much power as they can grasp but of no special importance. Now fifty or seventy years ago, when an ethical or moral question arose, people and governments looked to the churches. Now they don't any longer."

      And yet another sensitive question. Something doesn't add up. Malachi Martin's a priest. He's supposed to fight evil. Yet his bookWindswept Houseis clear evidence that he's thrown in the towel.

      "Well I don't see evidence of having thrown in the towel," protests Dr. Martin. "Because there's a lot I'm being made to pay for, in the sense that the writer obviously likes and reveres this Pope even though he disagrees with him. The writer also believes in the blessed sacrament. He believes in the Pope's infallibility. He believes in salvation. He believes in hell. He believes in the evil of the devil."

      So why doesn'tWindswept Houseend with Christ victorious in the book?

      Does Dr. Martin believe that the Luciferian forces have won already?

      "No. No. No," insists Dr. Martin. "This is an interim book. It ends in a big doubt -- everybody waiting." This must be what they call the European ending -- as opposed to the American ending where all the loose ends are tied up.

      Then the story shifts into "The Devil, Er, I Mean the Editor Made Me Do It". "The publisher said, 'listen the story isn't finished yet,'" says Dr. Martin. "I had a lovely glorious ending. I had a vision. I had a marvellous thing over the Alps. He cut it out."

      This is an actual editorial decision? "Yes," says Dr. Martin.

      But with all due respect, it almost sounds like Luciferian tampering. Not that anyone wants a saccharine ending. So are readers to conclude that the Luciferians won because of the passivity of the Pope in defending the Church?

      "Well, they haven't won yet," says Dr. Martin on a slightly upbeat note. "We're waiting for this man to do something. He's the Vicar of Christ. I know I'm defending him but..."

      "Readers who call me or write me say, what do we do now? I say, read my next book," he continues.

      With Martin's death on July 28, 1999, his suggestion seems to be a moot point.

      "So perhaps editorially," he concludes, "it was the right decision, but religiously it was the wrong decision. I don't know."

      It's been said that "by their fruits, ye shall know them." Malachi Martin's assent to the so-called "process" is the tangible "fruit" of Windswept House.

      Is the novel a prophecy? Or is it just a warning?

      In any case, the New (Luciferian) World Order that Martin describes puts a religious spin to the whole "process" of history.

It's also clear -- the book is a Luciferian masterpiece.  


TradCatKnight in the media: THE SATANIC VATICAN DECEPTION 


          Planet X Incoming: Giant sinkhole swallows sleeping woman in China   
Planet X Incoming: Giant sinkhole swallows sleeping woman in China
Latest earth changes news...
SOURCE

A sleeping woman was swallowed by sinkhole in central China after her bedroom collapsed during heavy rain.

The video, filmed in Shizhuling, Hunan Province on June 25, shows how the house partially collapsed when the sinkhole opened due to the unstable terrain composed of a network of caves and waterways.

 

 

Just like Jeff Bush in Florida a few years ago! Fears are growing for a 45-year-old mother in central China who was apparently swallowed by a sinkhole while she was sleeping in her bed.


sinkhole swallows woman china, giant sinkhole swallows woman china, deadly sinkhole swallows woman china, sinkhole swallows woman china video
Giant sinkhole swallows sleeping woman in China (video). via South China Morning Post
It is her husband that rang the alarm on Saturday morning, when after hearing a loud boom, he entered his bedroom, and found a three-square-metre hole in the floor that swallowed a refrigerator, an electric fan and his wife.
The couple lives in Shizhuling, a village in the city of Lianyuan, which had been hard hit by heavy rains over the previous two days.

Search for the swallowed woman

Rescue teams launched a search for the missing woman – digging to a depth of 15 metres – but the work had to be called off when conditions became too dangerous. The excavation in the sodden ground even led to the partial collapse of a neighbouring property.


sinkhole swallows woman china, giant sinkhole swallows woman china, deadly sinkhole swallows woman china, sinkhole swallows woman china video
Rescue teams dig 15 meters deep and did not find the body of the 42-year-old mother. via South China Morning Post
The deadly sinkhole was most certainly due to geological landscape in the area made of a network of caves and underground waterways.

For the video:
 http://strangesounds.org/2017/06/giant-sinkhole-swallows-sleeping-woman-bedroom-china-video.html

 "And the Earth Shall Swallow up..." 


 

DEVELOPING: Mysterious boom shakes houses and alarms residents in St. Helens, Oregon


A mysterious sound resembling a thunderous explosion was heard around 8 p.m. on June 25 in the St. Helens area. Curious citizens flooded social media with questions about the origin of the loud boom that some said shook homes and rattled windows. According to St. Helens Police Chief Terry Moss, the first reports of the sound came in at 8:22 p.m. Moss said his department fielded 11 calls regarding the boom, mainly from residents on the west side of town.
The cause of the sound has not been determined. Moss said this time of year is marked by frequent firework and “loud boom” reports. Without more definitive information, Moss said the matter would be considered closed. There was a viral reaction to the sound on Facebook, where reports of the boom were contentiously debated and numerous theories were offered. READ MORE


BIRTH PANGS: 900 Quakes in Yellowstone, 40 quakes near Lake Tahoe, 40 Quakes in N. Iceland


There are currently several seismic swarms taking place around the world. Nobody knows when they are going to stop and more frightening what they are going to produce. Yellowstone Supervolcano earthquake swarm reaches 878 events in just two weeks. The earthquake swarm hitting the Yellowstone national Park is currently slowing down, but more than 900 quakes have already hit near West Yellowstone on the western edge of the National Park in the last 2 weeks. But there is
virtually no risk of the volcano erupting – USGS hasn’t raised either the volcano alert level or the aviation color. The current earthquake swarm began on June 12. A week later, the USGS put out a statement to say that 464 earthquakes had been recorded, with the largest being magnitude 4.4. This is the highest number of earthquakes at Yellowstone within a single week in the past five years. At the time, a spokesperson for the USGS said “slowly winding down,” adding that “no other geological activity has been detected.” However, in a newly released statement about the ongoing swarm, seismologists from the University of Utah said 878 events have now been recorded at Yellowstone National Park. READ MORE


Deadly floods and landslides hit southern China, 7.44 million affected


Floods, landslides and other disasters caused by severe weather across southern China affected more than 7.4 million people in 9 provinces since June 22, 2017, officials said today. As of early June 27, the death toll stands at 32 while 8 people are still missing. According to data provided by China’s Ministry of Civil Affairs (MCA) valid 01:00 UTC (09:00 local time) on June 26, Changde, Yueyang, Yiyang, Loudi, Shangrao, Juijiang and other places recorded between 350 and
470 mm (13.8 – 18.5 inches) of rain since the evening of June 22. By that time, severe weather affected 7.33 million people, 504 000 people were evacuated, and 186 000 needed emergency rescue. 6 500 houses collapsed while 60 000 suffered different degrees of damage. The direct economic loss was estimated at 9.46 billion yuan. At 01:00 UTC on June 27, the number of affected people rose to 7.446 million. READ MORE

Planet X Incoming: Birth Pangs May, 2017  



          Highly Educated Workers See Strong Job Gains   
Kicking Off The Start Up

The recovery from the Great Recession highlights the importance of California’s higher education systems in providing meaningful economic opportunities for workers.

The post Highly Educated Workers See Strong Job Gains appeared first on PPIC.


          This Popular Island Destination Is Exporting Monkeys for Cruel Experiments   
Mauritius is one of the world's largest suppliers of non-human primates for inhumane medical experiments.

Mauritius, a small island in the Indian Ocean, is a dream holiday destination for tourists from all over the world. It is famous for its beautiful beaches, lagoons, tropical climate, heritage sites, lush forests and wildlife. Yet, this idyllic location is also infamous for a sinister reason—the cruel exploitation of its population of monkeys. Mauritius is one of the world’s largest participants in the cruel trade of supplying non-human primates for experiments. In 2016, 8,245 long-tailed macaques were exported from Mauritius to the USA, Canada and Europe with 3,522 imported by the USA, the largest importer of monkeys from Mauritius.

In Mauritius, the long-tailed macaque (Macaca fascicularis) lives freely. However, the species is not considered indigenous, despite having been well-established on the island for about 400 years. Although the species is listed on Appendix II of the Convention on the International Trade in Endangered Species of Wild Fauna and Flora (CITES), there exists no legislation to protect the primates of Mauritius. Instead, they are widely persecuted and exploited.

Historically, monkeys were trapped in the wild to be shipped overseas. Following international condemnation of the trade in wild-caught primates, tens of thousands of primates are now held in farms across Mauritius. Many of these animals were captured from the wild and are now imprisoned in these farms and used for breeding. Denied their freedom in the lush foliage of their jungle homes, these individuals spend their lives behind bars, on concrete. Their offspring are transported as ‘cargo’ in small wooden crates on airplanes to laboratories around the world to feed the international research industry.

Tourism is a key pillar of the economy of Mauritius and contributes significantly to the economic growth of the island. Mauritius is also promoting the island’s image as a green, eco-friendly tourist destination. The reputation of Mauritius as a country where the environment is valued is being put at risk by the export of monkeys for cruel experiments. Added to this is the introduction of recent regulations that will, for the first time, allow such experiments to be carried out on the island itself. The main species to be used in the research will be the country’s population of long-tailed macaques.

It cannot be argued that the economic benefits of the monkey trade and potential revenue from experiments are more important than tourism. Even a brief glance at the figures shows this controversial trade, worth less than 2 percent of Mauritian export, is economically insignificant compared with the income that Mauritius receives from its tourism industry. It is well-established that if a country develops a reputation for unkind treatment of animals, it has a very strong negative effect on tourism.

An additional factor to consider which is equally puzzling is that Hinduism is the largest religion in Mauritius. The country has the third highest percentage of Hindus in the world after Nepal and India. Lord Hanuman, the monkey god, is one of the most popular idols in the Hindu religion and is worshipped as a symbol of physical strength, perseverance and devotion. The trade in primates on Mauritius clearly is contrary to the very concept of Hindu culture and society which emphasises the spiritual equality of all living beings.

There are concerns that the introduction of animal experiments to Mauritius is primarily to provide a new market for the primate breeding companies and a reaction to problems with airlines refusing to transport primates for research purposes, moves to impose tighter restrictions on the import of primates within the European Union and a growing public concern about the use of primates in research. Animal researchers and companies may be looking to travel to Mauritius to carry out research that would not be allowed to take place in their own country.

A glance at the new regulations governing the experiments shows that substantial sections have simply been taken from EU and UK legislation, but this has not been consistently done, so there are significant gaps and contradictions. For example, there is no provision for governmental inspections of laboratories. Nor are there any rules in the regulations about the housing, environment and enrichment to be provided to animals. Furthermore, transparency and accountability appear to be absent because, although there is a requirement for researchers to submit records to the government, there is no provision for the government to subsequently put such information into the public domain. 

The long-tailed macaque is the most widely traded primate species for research worldwide and the most widely-traded mammal on the CITES database. In the laboratory, these primates may suffer substantially, including the effects of poisoning (such as vomiting, internal bleeding, weight loss, organ failure and even death) after being forced to consume large quantities of chemicals or drugs in toxicity tests or face being subjected to major brain surgery, their skulls cut open and devices implanted into their brains.

Examples of recent research carried out on long-tailed macaques in the USA makes disturbing reading: 1) experiments that have attempted to mimic traumatic military injuries; 2) forced addiction to recreational drugs such as alcohol and cocaine; 3) injections with phencyclidine (PCP or ‘angel dust’) and 4) forced inhaling of cigarette smoke several hours a day (for some monkeys it was the equivalent of a person smoking four packs of cigarettes a day).

The development of alternative methods to using animals is a growing and pioneering field. There is now a wide range of more human-relevant and humane approaches and animal tests are being replaced in areas such as toxicity testing, neuroscience and drug development. These alternatives include cell, tissue and organ cultures; methods using chemistry, computers or imaging machines; and ethical and highly effective studies using human volunteers.

Cruelty Free International is dedicated to ending this cruel exploitation of the Mauritius monkeys. We believe that the focus for Mauritius should instead be on these new technologies for non-animal experiments and we are urging Mauritius to become a forward-thinking country that adopts humane and cutting-edge alternatives. Mauritius’ image abroad is already tarnished because of its role in the cruel international trade in monkeys for research. Allowing animal experiments to take place will have a further negative impact and likely result in further widespread protest.

Our campaign has received widespread support from around the world, including in Mauritius, by scientists, wildlife experts, politicians and socio-cultural groups as well as members of the public. Indian politician Maneka Gandhi and internationally renowned primatologist Dr. Jane Goodall have also voiced their concerns.

There are three actions you can take to support our campaign to protect the monkeys of Mauritius and let government officials know that what they are doing is unacceptable:

1. Send an email/letter to the Mauritius Embassy in Washington:

mauritius.embassy@verizon.net

washingtonemb@govmu.org

H. E. Mr S. Phokeer

Ambassador Extraordinary and Plenipotentiary

Mauritius Embassy

1709 N. Street, NW

Washington D.C. 20036

2. Send an email/letter to the Minister of Tourism in Mauritius:

mtou@govmu.org

The Hon Anil Kumarsingh GAYAN, SC

Minister of Tourism

Ministry of Tourism

Level 5, Air Mauritius Centre

John Kennedy Street

Port Louis

Mauritius

3. Sign this petition.

 

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Wealth Coach and international best-selling author William R. Patterson returns to the Entrepreneurial Excellence radio show to discuss the best entrepreneurship strategies for creating multiple streams of passive income and rapidly building your fortune. - http://www.baronseries.com/business_coaching.htm This week's topics include: (1) Strategies for creating six- and seven-figure profits in any economic environment. (2) Top four focus areas to grow your business by 20-100% in a year. (3) Strategies for automating your business and achieving more freedom. (4) Best ways to market and fund your business. (5) Highest ROI day-to-day activities for entrepreneurs and CEOs. (6) Four different types of assistance for quickly boosting income and scaling your business.
          Wealth Coach William R. Patterson - Wealth Mindset and Strategies That Create Millions   
Wealth coach and international best-selling author William R. Patterson reveals the new mindset and strategies needed to create millions in today's economy. For more information, visit http://www.baronseries.com/coaching.htm Learn how to accelerate your path to financial independence and save years of wasted time. Discover ways to protect your finances, generate multiple streams of income, and quickly build wealth in any economic environment.
          Wealth Coach William R. Patterson - How to Write Books That Sell   
Best-selling Author Secrets Part I - Don't think you have the time or skill to write a best-selling book? Don't think you can build wealth rapidly and create multiple streams of income in a down economy? Join international best-selling author William R. Patterson and expert writing coach N. Kali Mincy as they prove you wrong and share their success secrets. Learn their accelerated process for writing, publishing and book marketing. For more information, visit http://www.baronseries.com/book-marketing-coaching.htm In this workshop, you will learn how to: (1) Identify great story ideas that will excite publishers, generate a dedicated audience and make you money (2) Minimize writer's block so you can stay motivated and quickly get your book completed (3) Effectively use back story and emotion to create real characters and tell compelling stories that can propel you to best-seller status (4) Discover ways to tell readers more—in less time and with fewer pages (5) Use valuable literary techniques that have sold millions of books worldwide (6) Ensure that every word you write contributes significantly to your story
          8.5x11 Brochures on 80# gloss text   

Our 8.5 x 11 full color economy brochures are printed on 80lb glossy paper. This money saving option is perfect to get your message out to the masses. Scored and folded with your choice of 2 or 3 panels. The 2 panel is perfect for restaurant take-out...[Read More]
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          Transition Town, Reading,   
The Transition Town movement has spread across the United Kingdom and there is one based in Reading, in the south east of England. In the face of peak oil, global economic failure and climate change, TT aims to provide resilient local communities that can weather such assailing forces and provide ultimately...
          Businesses brace for new Indian tax   
India yesterday launched its biggest ever fiscal reform with the government promising that a new nationwide tax would make the economy stronger and less corrupt, but businesses are nervous about the revolution.
          Australia Plans to be Carbon-Neutral by 2020.   
By means of a huge new installation of concentrating solar thermal (CST) and wind-power and the electrification of its transportation infrastructure, Australia plans to have a zero-carbon economy by 2020, hence zero-use of all fossil fuels (coal, gas and oil).
          7/2/2017: Front Page: GO WIDE, PLAY SAFE   

ERICA ASKS: KS: This week I nearly had a heart attack when I read in the newspaper that economist John Edwards rds says that interest rates es may rise eight times (!) in the next two years. There is no way my family could d support this on my...
          Vara y Castejón hablan sobre economía   
El secretario general del PSOE y expresidente de la Junta de Extremadura, Guillermo Fernández Vara, y el diputado socialista y economista Pedro Sánchez Castejón, hablaron ayer sobre el desarrollo económico de la comunidad extremeña de cara al futuro. Ambos políticos participaron en la sede del Instituto de Lenguas Modernas en un acto convocado por la Agrupación Local Socialista. Sánchez Castejón es diputado por Madrid y actual portavoz de la Comisión de Cambio Climático en el Congreso. Su nombre es uno de los que se han citado como posible candidato para las primarias que el PSOE celebrará a finales de año para elegir a su secretario general. Por Cáceres ya han pasado en las últimas fechas Patxi López y Eduardo Madina, otros posibles aspirantes.
          INTERN - ECONOMIC AFFAIRS [Temporary]   
Level : I-1
Job ID : 81334
Job Network :
Job Family : Internship
Department/Office : Economic and Social Commission for Asia and the Pacific
Duty Station : BANGKOK
Staffing Exercise : N/A
Posted Date : 7/1/2017
Deadline : 12/31/2017
          Programme Management Assistant    
Level : G-6
Job ID : 76818
Job Network : Economic, Social and Development
Job Family : Programme Management
Department/Office : Department of Economic and Social Affairs
Duty Station : NEW YORK
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 7/29/2017
          Chief of Branch, Global Economic Monitoring Branch    
Level : D-1
Job ID : 79213
Job Network : Economic, Social and Development
Job Family : Economic Affairs (and Sustainable Development)
Department/Office : Department of Economic and Social Affairs
Duty Station : NEW YORK
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 8/13/2017
          INTERN - CONFERENCE SERVICES [Temporary]   
Level : I-1
Job ID : 81265
Job Network :
Job Family : Internship
Department/Office : Economic and Social Commission for Western Asia
Duty Station : BEIRUT
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 12/31/2017
          FINANCE ASSISTANT [Temporary]   
Level : G-5
Job ID : 81698
Job Network : Management and Administration
Job Family : Finance
Department/Office : Economic and Social Commission for Western Asia
Duty Station : BEIRUT
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 7/13/2017
          LEGAL OFFICER [Temporary]   
Level : P-3
Job ID : 81755
Job Network : Legal
Job Family : Legal Affairs
Department/Office : Economic Commission for Africa
Duty Station : ADDIS ABABA
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 7/13/2017
          INTERN - ECONOMIC AFFAIRS [Temporary]   
Level : I-1
Job ID : 81793
Job Network :
Job Family : Internship
Department/Office : Department of Economic and Social Affairs
Duty Station : NEW YORK
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 7/14/2017
          ADMINISTRATIVE OFFICER [Temporary]   
Level : P-4
Job ID : 81826
Job Network : Management and Administration
Job Family : Administration
Department/Office : Economic and Social Commission for Asia and the Pacific
Duty Station : BANGKOK
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 7/6/2017
          Chief, Trade Policy and Facilitation Section [Temporary]   
Level : P-5
Job ID : 81838
Job Network : Economic, Social and Development
Job Family : Economic Affairs (and Sustainable Development)
Department/Office : Economic and Social Commission for Asia and the Pacific
Duty Station : BANGKOK
Staffing Exercise : N/A
Posted Date : 6/30/2017
Deadline : 7/6/2017
          Crime Prevention and Criminal Justice Officer    
Level : P-4
Job ID : 81290
Job Network : Economic, Social and Development
Job Family : Drug Control and Crime Prevention
Department/Office : United Nations Office on Drugs and Crime
Duty Station : VIENNA
Staffing Exercise : N/A
Posted Date : 6/29/2017
Deadline : 7/28/2017
          LANGUAGE REFERENCE ASSISTANT    
Level : G-6
Job ID : 81342
Job Network : Public Information and Conference Management
Job Family : Language
Department/Office : Economic Commission for Africa
Duty Station : ADDIS ABABA
Staffing Exercise : N/A
Posted Date : 6/29/2017
Deadline : 7/28/2017
          Finance Assistant [Temporary]   
Level : G-6
Job ID : 81638
Job Network : Management and Administration
Job Family : Finance
Department/Office : Economic and Social Commission for Asia and the Pacific
Duty Station : BANGKOK
Staffing Exercise : N/A
Posted Date : 6/29/2017
Deadline : 7/5/2017
          2017 Kia Cadenza: Economical Luxury   
Kia Cadenza: Economical Luxury by The Car Family for more reviews got to https://www.motorists.org/tag/the-car-family/ With the average new car price around $33,000 one wonders how Kia can price the feature laden Cedenza for less and still offer what J.D. Powers acknowledged is the highest Initial Quality rating of any car. They even bettered the luxury […]
           Cabinet ministers tell May to end austerity: Observer    
LONDON, July 1 (Reuters) - Prime Minister Theresa May is under pressure from her ministers to end the government's policy of economic austerity as a new...
          El reto es generar economía en las zonas donde las Farc estaban presentes: Bruce Mac Master   
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          Fusión de Servired, 4B y Euro 6000: así será el monopolio de los cajeros automáticos   

Cajero automático

La medida llevaba gestándose más de un año: las tres grandes redes españolas de cajeros automáticos (Servired, 4B y Euro 6000) se fusionarán en una única entidad que ejercerá un monopolio prácticamente total en el servicio de retirada de efectivo. Servired, la mayor de las tres, controlará el 66% de la nueva sociedad.

Esta operación no es sorprendente: en buena parte de Europa los cajeros están operados por monopolios nacionales participados por el sector bancario local. La red alemana Girocard o la francesa Carte Bleue llevan décadas controlando la práctica totalidad de los terminales en sus respectivos países. En Holanda, donde los pagos con tarjeta ya superan a los realizados en efectivo, los grandes bancos se plantean no solo integrar la red sino ceder los cajeros a una entidad conjunta con una marca única. España se suma ahora a esta tendencia.

La empresa resultante operará casi 64.000 cajeros y tendrá 72 millones de tarjetas de crédito y débito en circulación. Los mayores accionistas serán los tres grandes bancos del país: Santander (con el Popular), BBVA y CaixaBank; que también son los que aportan mayor número de cajeros, tarjetas y clientes al conglomerado. ¿Qué consecuencias tendrá el monopolio de los cajeros para los usuarios?

La guerra de los cajeros está aquí para quedarse

La gran ventaja técnica de las redes de cajeros es que permiten realizar operaciones a clientes de todas las entidades participantes, al margen de la retirada de efectivo (por ejemplo consultas de saldo, recargas y similares). Además, la mayoría de redes ofrecen ventajas comerciales: los clientes de todos los bancos asociados pueden retirar dinero gratis (o por una comisión ínfima) en toda la red. En España también sucedía esto: los clientes de cualquier banco asociado a 4B, por ejemplo, podían sacar dinero gratis en cualquier terminal 4B. Hasta que comenzó la guerra de los cajeros.

A finales de 2015, los tres grandes de la banca española decidieron unilateralmente acabar con las ventajas para clientes de entidades asociadas a sus redes de cajeros. Comenzaron a cobrar 2 euros por transacción a clientes de otros bancos, independientemente de la red a la que pertenecieran. Se acababa así la razón de ser de Servired, 4B y Euro 6000 desde el punto de vista comercial.

Nada parece indicar que la política de comisiones en los cajeros vaya a cambiar tras la fusión

Nada parece indicar que la política basada en cobrar a clientes de otros bancos vaya a cambiar tras la fusión. Las entidades con menos cajeros se verán obligadas a mantener acuerdos con otras mayores –o de ofrecer alternativas como el cashback– si quieren que sus clientes puedan retirar efectivo gratuitamente.

¿Habrá ventajas para los consumidores?

Con la integración de las tres redes, se simplifican los pagos con tarjeta en España. El coste real de las transacciones se reducirá, al eliminarse la necesidad de interconectar distintas redes (por ejemplo, para pagar con una tarjeta Servired en una tienda cuyo TPV está conectado a Euro 6000). Pero está por ver si esta bajada repercutirá en las comisiones que deben pagar los comercios, una de las principales razones por las que muchos aún son reacios a aceptar este método de pago.

Cardpayment Pago con tarjeta

En cuanto a los cajeros automáticos, al estar todos conectados a la misma red, aumentarán las posibilidades de realizar operaciones (al margen de retiradas de efectivo) independientemente de la entidad a la que pertenezca la tarjeta. Y aunque en principio los grandes bancos no vayan a cambiar su política de cobrar a clientes de otras entidades, cabría la posibilidad de que las autoridades de la competencia decidan rebajar las tarifas máximas (actualmente 2 euros por transacción) para autorizar la fusión.

De momento, todo son conjeturas. Está por ver hasta qué punto la integración de todos los cajeros reduce las comisiones para pequeños comercios y clientes individuales. Lo que sí está claro es que la banca española reducirá costes con esta fusión, y que el nuevo conglomerado será uno de los mayores operadores de cajeros y tarjetas de la Unión Europea.

En El Blog Salmón | Las transferencias bancarias instantáneas llegan para toda Europa: así es el TIPS


          Rural Women`s Coordinator   
VIC-Victoria, The Department of Economic Development, Jobs, Transport and Resources (DEDJTR) is the Victorian Government’s lead agency for creating the conditions to sustainably develop the Victorian economy and grow employment. Our role is to increase jobs, investment, exports and opportunities; stimulate innovation, competitiveness, and confidence; and support sustainability. The Department is committed to bu
          Director, Strategic Communications   
VIC-Victoria, The Department of Economic Development, Jobs, Transport and Resources (DEDJTR) is the Victorian Government’s lead agency for creating the conditions to sustainably develop the Victorian economy and grow employment. Our role is to increase jobs, investment, exports and opportunities; stimulate innovation, competitiveness, and confidence; and support sustainability. The department is an equal opport
          When dad's the president — a look inside Ivanka Trump's complicated world - Washington Post   

Washington Post

When dad's the president — a look inside Ivanka Trump's complicated world
Washington Post
Ivanka Trump's office: clean, white, quiet. A zone of punctual start times and promptly-offered water bottles, and a conference table at which she conducts meetings. A short, winding walk away from her father's Oval Office downstairs. She does not ...
White House says Spanish-version website still comingThe Hill
More than 4 in 10 Trump White House staffers earn six-figure salariesCBS News
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New York Daily News -Washington Examiner -MarketWatch -Roll Call
all 168 news articles »

          Oil Giants Look Anew At Libya   
Libya's pledge to give up its weapons of mass destruction and the possibility that the United States may soon end its economic sanctions against Libya could be a boon for several American oil companies that once had extensive operations there, sev...
          Fundraising campaign exceeds all expectations   
Aalto University`s fundraising campaign has received a total of 23.5 million euros in donations. Our warmest thanks to all those who donated!

Kollaasi_fb_shared_700x525px.png

The aim of the government-supported campaign that launched in 2015 was to raise 20 million euros as monetary donations and further increase the number of Aalto University supporters. The Finnish government will match the donations by an estimated factor of 1 to 1.5. The government's supplementary funding and exact matching factor will be announced at a later date. The campaign ends on 30 June 2017.

‘I want to extend my warmest thank to all those who donated. In a short amount of time, Aalto University has generated much international interest, and these donations will help us address global and national challenges in a more effective way. With high-quality research and by educating a new generation of experts, we can create more work, economic growth and wellbeing for Finland,’ notes Ilkka Niemelä, who will become the President of Aalto University on 1 July.

The Heart Campus campaign, which was part of the The Future is Made Today campaign, was aimed at the students and staff of Aalto University. Almost 100 people participated by sharing their own stories or photos and by donating 26,000 euros in total.

Donations help build the future

The campaign allowed donors to target their donations to the University's activities in general or to one of three fields: business, art and design, or technology.

Aalto University focuses on top-quality research and teaching. Supporting the enthusiasm of our students and preparing them for future working life are our most important objectives.

The donations will become part of Aalto University's capital. The donations will be added to the University's funds and invested in capital markets in accordance with the University's investment strategy.

The additional funding generated by this capital income will help the University to remain economically independent and improve the University's capacity for directing resources towards strategic focus areas and develop its activities as a top university. In the coming years, the capital gains will be used to cover around 5 % of the University's annual operating budget.

Donations are still tax-deductible

Aalto University will continue its fundraising even after this current matched-funding campaign. Donations are still tax-deductible for at least the end of this year for private donors as well as companies and organisations. To be eligible for a tax deduction, the donation must amount to at least 850 euros per year and it can be given in several instalments throughout the year.

 

Aalto University was founded in January 2010 by merging together Finland’s top universities of design, economics and technology. Between 2008 and 2011, Aalto University received a total of approximately 200 million euros in capital as donations from Finnish companies, organisations and private persons. The government granted the university 2.5 times this sum in government capitalisation. This fundraising helped the University accumulate an endowment capital of a total of approximately 700 million euros.

The accumulation of the University's endowment capital was ensured by the Federation of Finnish Technology Industries, the Technology Industries of Finland Centennial Foundation, Liikesivistysrahaston kannatusyhdistys ry, Teollisuuden ja työnantajain Keskusliiton (TT) -säätiö, Academic Engineers and Architects in Finland (TEK), The Finnish Business School Graduates and the Confederation of Finnish Industries EK.

 

Further information:
Ilkka Niemelä, President from 1 July, president@aalto.fi
Coordinator Pirjo Peippo-Lavikka, tel. +358 50 512 2496.


          Aalto University to establish college in Shanghai in cooperation with Tongji University   
Aalto University and Tongji University in China will establish a new college in Shanghai in the coming autumn. Aalto will participate with three of its Master's degree programmes. The first year of the Master's degree programmes will be held in China and the second in Finland.

Three Master's degree programmes from Aalto University will be part of the programmes of the Shanghai International College of Design and Innovation (Shanghai D&I). The teaching of the Master's degree programmes will begin in Shanghai in the coming autumn, and the programmes’ first Chinese students will arrive in Otaniemi in autumn 2018.

This is Aalto University's first tailored educational cooperation programme, and reportedly the first model of its kind in Finland as well. Tailored education means providing a commissioned education service to an external client, in this case Tongji University. The agreement between Aalto and Tongji is based on the model for international cooperation that has been approved by the Ministry of Education of China.

The Presidents from Aalto and Tongji signed the agreement for the tailored education programme in Beijing on Thursday, 29 June, as part of Prime Minister Juha Sipilä's trip to China.

Shanghai D&I students can choose from three different Master's degree programmes in the fields of design and sustainable development: International Design Business Management, Creative Sustainability, and Collaborative and Industrial Design. The contents of each programme will be based on Aalto's current Master's degree programmes. In addition, Shanghai D&I will offer bachelor's students the Aaltonaut minor studies programme on product development, developed by the Aalto University Design Factory.

‘Shanghai is of much interest to Aalto University, as it is one of China's largest cities, a big hub for business, and a continuously developing centre for design. Our close collaboration with Tongji University will provide Aalto students and staff with new opportunities for learning and research,’ says Ilkka Niemelä, who will become the President of Aalto University on 1 July. 

The cooperation between Aalto and Tongji has been ongoing for years. Tongji University is among China’s 15 best universities and especially renowned for its engineering, business and architecture programs. The college of Design and Innovation of Tongji University is now one of the most internationally renowned design schools in China.

‘With innovation prioritized as its top strategic goal, Shanghai is devoted to transforming from a city that used to rely heavily on conventional industries to the one where high-tech industries and new economies prosper. To achieve this goal, design is playing an important role,’ notes Lou Yongqi, the Dean of Tongji University.

Further information:

Head of International Affairs Mari-Anna Suurmunne, Aalto University, tel. +358 40 35 38321
Head of Learning Services Eija Zitting, Aalto University, tel. +358 50 364 7778


          Алматы и алматинцы. Как развивается Алматы? Краткий экскурс в историю 10-летней давности   

Летний период в Южной столице, судя по всему, не даст расслабиться жителям города. Массовые "раскопки" центральных улиц и прочие "ремонты" создали кучу неудобств и пешеходам, и автомобилистам, и велосипедистам, и общественному транспорту. Почему? Потому что в городе полным ходом идёт реализация программы по созданию и благоустройству пешеходных зон.

Но сейчас речь пойдёт не об этом. В предыдущем посте я восстановил фоторепортаж о сносе трибуны на площади Республики, некогда опубликованный на сайте газеты "Деловой Казахстан", в которой я тогда работал. Все эти фоторепы к сожалению не доступны на сайте газеты.

В моих архивах осталось ещё несколько любопытных фото-материалов, которые могут быть интересны сегодня, как мне кажется. Любопытно будет сравнить, что говорили 10 лет назад о будущем (т.е. о нашем настоящем), и что было сделано, что не получилось, а что предпочли забыть?

В общем, расскажу я вам о том, как реализовывалась программа развития Алматы в 2007 году. Текущую программу развития "Алматы - 2020" можно скачать здесь. Для сравнения и не только.

Итак, 24 апреля 2007 года в городском акимате города Алматы премьер-министр Казахстана Карим Масимов провел совещание по вопросам реализации генерального плана развития южной столицы на период до 2020 года. Кстати, план был утвержден в 2002 году. (Далее текст с сокращениями Фатимы Кузубаевой, газета "Деловой Казахстан", №63 от 04.05.2007, фото Кайрата Конуспаева. Жирным выделены мои примечания.)

В рамках совещания аким города Имангали Тасмагамбетов презентовал правительственной делегации макет генерального плана Алматы, план-регламент застройки функциональных зон, акцентируя внимание на основных составляющих этих документов, в частности на развитии энергетической и транспортной инфраструктуры, мероприятиях по оздоровлению экологической ситуации, реализации госпрограммы развития жилищного строительства на 2005-2007 годы. В ходе презентации премьер-министр делал свои замечания, вносил в протокол поручения соответствующим министерствам.

По словам Имангали Тасмагамбетова, в основу обновленного в 2005 году генплана заложены принципы дальнейшего развития: полицентричность, комплексность, создание благоприятной, безопасной и социально комфортной жизненной среды.

(А теперь посмотрим, что написано в текущей программе:

Программа развития «Алматы-2020» охватывает все основные направления развития города, в том числе экономику, социальную сферу, общественную безопасность и правопорядок, инфраструктуру, экологию и земельные ресурсы, государственные услуги и сформирована с учетом 7 приоритетов:

1. Комфортный город;
2. Безопасный город;
3. Социально-ориентированный город;
4. Экономически устойчивый город;
5. Город для бизнеса и частного капитала;
6. Интегрированный город;
7. Город активных граждан.

Безопасный город? В 2013 году Южная столица лидировала по количеству зарегистрированных преступлений, в мире Алматы по уровню преступности на 247 месте, что означает "умеренный уровень преступности". Комфорт и благоприятная среда? 10 лет назад хоть деревья активно не вырубали. Хотя и велодорожек не было тоже.)

Жилой фонд
Согласно генплану жилой фонд города составляет около 20 млн. кв.м, тогда как дефицит жилищного фонда составляет более 20 млн. кв.м. Жилой фонд включает 7 тыс. многоэтажных зданий и более 90 тыс. ветхих и аварийных домостроений. Восполнения существующего дефицита, считает Имангали Тасмагамбетов, можно добиться за счет сноса старых аварийных зданий и домостроений. Сегодня на каждого жителя приходится 18 кв. метров жилья, эту цифру необходимо поднять до 25 кв. метров. (По свежим данным сайта "Крыша" у нас в городе обеспеченность жильём составляет 27 кв.м, что на 3 кв.м меньше, чем по рекомендуемому стандарту по обеспеченности граждан жильём: на человека должно приходиться 30 кв.м.)

Основные направления комплексного формирования жилой среды предусматривают доведение средней обеспеченности жильем в среднем 22 кв.м на 1 человека, с увеличением всего жилищного фонда города до 27,5 млн.м (в 2013г. объём жилого фонда составил 36,9 млн кв.м - строят у нас полным ходом!). Строительство будет осуществляться как на свободных территориях - 1,1 тыс. га (2,42 млн кв.м общ. пл.), так и на реконструируемых территориях за счет сноса ветхого жилья и уплотнения существующей застройки - 1,8 тыс. га (5,27 млн кв.м общ. пл.) Доля индивидуального жилищного строительства составляет за весь период 37% от общего объема строительства жилья. (Ну что можно сказать - такого добра у нас понастроили вдоволь за 10-15 лет.)

Муниципальный жилищный фонд города станет одним из важнейших элементов формирующегося рынка жилья. Строительство муниципального жилья для социально защищаемых и приравненных к ним слоев населения должно составлять, по опыту экономически развитых стран, порядка 20-25% от общего объема строительства. Объем нового муниципального жилищного строительства составит 1,9 млн кв.м от общей площади ввода жилья, предусмотренного к строительству до 2020 года, или в среднем 90 тыс. кв.м в год (По данным портала Kapital.kz "в Алматы за последние 11 лет доступным жильем были обеспечены более 18,5 тысячи семей. В рамках госпрограмм жилищного строительства в мегаполисе возведено 444 жилых дома (на 121,1 млрд тенге)." По ходу, именно так должно выглядеть социальное жилье согласно плану 2007 года - см. фото ниже. Шутка.).

План застройки условно разбивает город на 5 функциональных зон (в новой программе об этом ни слова. Что, уже разбили?), каждая из которых имеет свой план-регламент застройки, где учтены все технические, экономические, экологические и социальные параметры.

Новое жилищное строительство в генеральном плане предусматривается вести как в многоэтажном, так и в малоэтажном исполнении (да ладно? Хотя, если мы говорим про коттеджи - тогда всё правда). Многоэтажное строительство традиционно продолжается в западном направлении на территориях между пр. Райымбека и ул. Толе би, широкой полосой вдоль пр. Абая, кроме того, в южной части города в жилых массивах «Самал» и за счет выборочной реконструкции в центральной части города (а вот это ближе к истине. Судя по плану, в Алмате хотели построить нечто вроде дома министерств - см. фото ниже).

Энергокомплекс Алматы
Эффективной реализации генерального плана препятствует несколько моментов. Это проблемы, напрямую обусловленные состоянием энергетического комплекса Алматы, износ основных фондов предприятий которого составляет до 90%. Только в зоне АПК резервы тепловой мощности будут исчерпаны к отопительному сезону 2007-2008 годов. При этом прогнозируемый дефицит тепловой энергии к 2010 году составит 640 Гкал/час. Для его ликвидации необходимы реконструкция, модернизация и расширение ТЭЦ-1,2,3 с общим объемом финансирования 146,8 млрд. тенге, из которых в 2007 году предусмотрено 15 млрд. тенге; техническое перевооружение и новое строительство объектов Алматинской РЭК в размере 27 млрд. тенге, из них в 2007 году - 2 млрд. тенге; строительство соединительной тепломагистрали ТЭЦ-2 - ТЭЦ-1 с насосной станцией стоимостью 11,7 млрд. тенге, что даст возможность дополнительно создавать 400 Гкал/час тепла (ввели в эксплуатацию в 2010 году).

...Всего же до 2020 года инвестиционная потребность энергокомплекса Алматы составит 659 млрд. тенге.

В энергообеспечении Алматы первоочередными задачами также являются реконструкция и строительство 26 подстанций на 110 кВ, сооружение 2 подстанций на 220 кВ, что позволит осуществить надежную схему внешнего электроснабжения города с созданием кольца по сетям 220 кВ. Суммарные затраты на развитие электроснабжения города Алматы в 2007 году предусматриваются в размере 16,6 млрд. тенге.

Для обеспечения стабильного газоснабжения требуется строительство обводного участка магистрального газопровода Тараз - Алматы для снижения зависимости от транзита газа по территории Кыргызстана (чем закончилось, ни слова не нашел в СМИ); перенос ГРС №2 Алматы и газопровода за существующую границу города с созданием «газового кольца»; увеличение объемов существующего подземного газохранилища Акыр Тобе; строительство газопровода из Западного Казахстана на юг страны.

Планируемая сумма капиталовложений на объекты энергокомплекса на этот год составляет 43 млрд. тенге, из которых 9 млрд. тенге - из республиканского бюджета. Вместе с тем на совещании отмечалось, что городу необходима дополнительная финансовая поддержка в размере 19 млрд. тенге уже в 2007 году.

Улично-дорожная сеть Алматы
Следующим элементом урбанизированного каркаса города является система транспортных магистралей. Генеральный план предусматривает развитие и совершенствование транспортной структуры города путем создания в дополнение к существующим новых меридианальных и широтных магистралей, объездных автомобильных дорог, сети сервисного обслуживания транспортных средств, строительство транспортных развязок, путепроводов, эстакад и т.д. В основу развития улично-дорожной сети положено создание единой системы скоростных городских дорог и магистралей городского значения с дифференциацией последних на магистрали непрерывного и регулируемого движения.

Изоляцию городских территорий от внешних транзитных потоков обеспечивает Большая алматинская кольцевая автодорога (БАКАД), огибающая город большим полукольцом от Талгарского тракта - на востоке, до ул. Жандосова на западе.

В целях улучшения состояния атмосферы города генеральным планом предлагается совершенствование улично-дорожной сети, ввод метрополитена, увеличение доли электротранспорта, развитие сети автосервиса и т.д.

В настоящее время в городе имеется более 2000 км дорог, 80% протяженности которых не отвечает современным реалиям города. Помимо улучшения качества дорог важнейшей задачей является создание скоростного малого транспортного кольца, соединяющего ряд основных магистральных дорог города. Именно этой цели подчинены действия акимата города в плане развития транспортной инфраструктуры. В городе уже существует 2 транспортные развязки, в текущем году будет построено еще 12 рязвязок. В мае планируются к сдаче транспортные развязки Рыскулова - Кудерина, Аль-Фараби - Есентай, Аль-Фараби - Тимирязева - Сейфуллина. В сентябре - транспортная развязка Рыскулова - Бокейханова. В ноябре - Саина - Шаляпина, Саина - Абая, Саина - Жандосова, Аль-Фараби - Фурманова. Логическим завершением ряда транспортных развязок станет строительство Восточной объездной дороги протяженностью 10 км , которая замкнет кольцо, начиная от Аль-Фараби, заканчивая Кульджинской трассой. После ввода в эксплуатацию она дополнительно будет пропускать до 100 тыс. автомобилей в сутки. (Вывод напрашивается такой: 10 лет назад Алматы был городом для автомобилистов и их железных коней. Сегодня повестка дня поменялась.)

Аэропорт
Об аэропорте напишу отдельно. Там тоже был целый фоторепортаж.

Основные направления сохранения и развития территории природного комплекса
Природный комплекс Алматы представляет собой совокупность территорий с преобладанием растительности и водных объектов, выполняющих преимущественно природоохранные, рекреационные, оздоровительные и ландшафтообразующие функции и формирующих природно-ландшафтный каркас города. К территориям природного комплекса относятся: природные территории - лесные и лесопарковые массивы (роща Баума), естественные незастроенные долины рек и ручьев; озелененные территории - парки, сады, бульвары и скверы, памятники садово-паркового искусства и ландшафтной архитектуры, а также озелененные территории жилой застройки, объектов общественного, производственного и коммунального назначения; резервные территории - территории, зарезервированные для восстановления нарушенных и воссоздания утраченных природных территорий, для организации новых озелененных территорий.

Основные направления сохранения и развития территорий природного комплекса предусматривают увеличение площади территорий природного комплекса с 4 до 14,2 тыс. га. (А сколько сейчас? Я вот быстро найти актуальную информацию не смог. Но если вместо доброго старого "Компота" хотят построить таких вот бетонно-стеклянных монстров, то я что-то сомневаюсь насчёт прироста природных зон, хотя "Компот" тоже к такой зоне отнести нельзя, но тем не менее...)


Неукоснительное и активное выполнение генерального плана существенно повлияет на решение стратегических задач, поставленных главой государства, которые дадут новый импульс стабильному экономическому развитию региона.

Во-первых, реализация генплана будет способствовать становлению Алматы как регионального финансового центра, привлечение крупных инвесторов возможно только в современный город с развитой инфраструктурой, с комфортными условиями и для работы, и для проживания.

Во-вторых, инновационное перевооружение города, создание производств на основе вложения капитала в наукоемкие и передовые технологии также возможны в условиях городской среды, отвечающей мировым стандартам качества. (При этом, согласно Программе развития "Алматы - 2020" в 2015 году 30,3 видимо млрд тенге было инвестировано в основной капитал по операциям с недвижимым имуществом и только 21 млрд - в промышленность.)


В-третьих, развитая гостиничная и досуговая сеть будет способствовать привлечению туристических потоков, которые напрямую связаны с модернизацией Медеу и Чимбулака, дальнейшим строительством горнолыжной базы в Талгаре (имеется в виду Ак-Булак?) и началом освоения спортивного комплекса «Кокжайляу» (sic!), что создает фундамент для возникновения целой индустрии туризма и спорта.

Таким образом, комплексная реализация генерального плана позволит не только существенно изменить облик Алматы, сделать его удобным и узнаваемым, но и придаст городу новую динамику экономического развития.

Вот такая была история в 2007 году. А что по-вашему было еще хорошего и плохого сделано за это время? Была ли приемственность в деятельности акимов?

24 апреля в городском акимате города Алматы премьер-министр Казахстана Карим Масимов провел совещание по вопросам реализации генерального плана развития южной столицы на период до 2020 года.24 апреля в городском акимате города Алматы премьер-министр Казахстана Карим Масимов провел совещание по вопросам реализации генерального плана развития южной столицы на период до 2020 года.

          Economias para o Natal(De 25 de dezembro a 6 de janeiro)   

Duração da atividade: De 25 de dezembro a 6 de janeiro
Datalhes da atividade: Nesse ano,você economizou muito dinheiro esperando pelo Natal não é?
Regras das atividades: Durante a atividade,obter 6 vitórias em combates competitivos...

Recompensas da atividade: "3000 experiências,1500 moedas de ouro,Cofre x1
Abrindo o ""cofre"" poderá ganhar aleatóriamente um dos seguintes prêmios:Pedra de composição de nível 3,Pedra de fortalecimento de nível 3,Anel aleatório,Cartão 2x EXP de 1 dia,Cartão de mudança de cor,Cartão de duplicação de méritos."



          Online - Economics Faculty - ECPI University - Virginia   
What does ECPI University have to offer? ECPI University is proud to be an Equal Opportunity Employer. If you are highly motivated and passionate about teaching...
From ECPI University - Mon, 13 Mar 2017 09:55:48 GMT - View all Virginia jobs
          Economista para pymes y autónomos   
Economista colegiada con experiencia y despacho en barcelona, realiza trabajos de asesoramiento fiscal, laboral, contable y mercantil a personas físicas, autónomos y empresas. Asesoramiento y gestión integral: alta de autónomos, creación de empresas, nóminas, seguros sociales, declaraciones de renta, declaraciones de impuestos, elaboración de cuentas anuales, puesta al día de contabilidades atrasadas, todo tipo de trámites ante hacienda, etc....
          Colaboración con asesorías y gestorías   
Economista colegiada con experiencia y despacho en barcelona, se ofrece para colaboración con gestorías, asesorías o despachos de abogados en barcelona y alrededores. Experiencia en asesoramiento integral de empresas, declaraciones de renta, declaraciones de impuestos: iva, irpf, impuesto de sociedades. Contabilidad, elaboración y presentación de cuentas anuales, realización del plan de negocio, puesta al día de contabilidades atrasadas, etc. ...
          Colaboración con asesorías, gestorías y despachos de abogados    
Economista colegiada con experiencia y despacho en barcelona, se ofrece para colaboración con gestorías, asesorías o despachos de abogados en barcelona y alrededores. Experiencia en asesoramiento integral de empresas, declaraciones de renta, declaraciones de impuestos, elaboración y presentación de cuentas anuales, realización del plan de negocio, puesta al día de contabilidades atrasadas, etc. Precios muy competitivos. Persona seria y respons...
          Declaraciones de renta – barcelona y alrededores   
Economista con experiencia en la realización de todo tipo de impuestos y declaraciones se ofrece para confeccionar declaraciones de renta. Trato personalizado y directo. Máxima seriedad y profesionalidad. Precios desde 30 €.
          La strage dei Manzoni a Lugo, Ravenna   
Fra il 7 e l'8 luglio 1945, di notte, accadde a Lugo ( Ravenna), una strage famigliare analoga per medesime caratteristiche a quella che accadde a Savona, alla famiglia Biamonti e alla sua domestica , Elena Nervo nel maggio del 45.
Anche in questo caso di notte, i criminali che sterminarono la famiglia Manzoni erano, guarda caso, partigiani comunisti e anche in questo caso, tutte le cose di valore di proprietà, furono trovate successivamente nelle case degli assassini.
La notte del 7 luglio una banda di partigiani rossi, irrompe in una villa patrizia di Lugo, all'interno vi sono la Contessa Beatrice Manzoni e i suoi tre figli, (Giacomo, Luigi e Reginaldo), la domestica della casa, Francesca Anconelli, ed il cane di famiglia, tutti vengono sequestrati dagli uomini armati e fatti uscire dalla casa che è successivamente posta sotto sequestro dal CLN, non si sa per quale motivo.
Quindi i banditi comunisti, portano il gruppo famigliare in una tenuta agricola vicina, presso Alfonsine, e lì provvedono a sterminarli con modalità a dir poco sadiche, i tre figli , vengono soppressi a colpi di pistola alla testa, al torace, mentre la Contessa e la domestica sono trucidate con ferocia bestiale a colpi di bastone, anche il cane non viene risparmiato e sarà sepolto in una fossa comune ad un metro di profondità, assieme ai suoi padroni, per impedirgli di ritrovare con il suo fiuto la famiglia che condivideva.
Il movente della strage potrebbe essere ricercato ricercato nella simpatia che la nobile famiglia nutriva, anche se solo in parte, verso la Repubblica Sociale Italiana, ma le vere motivazione stanno nelle sostanze economiche in possesso dei Manzoni che interessavano a un gruppo di partigiani comunisti i quali se ne volevano impossessare, tutto qui. Fu una rapina che si concluse con una strage.
Gli assassini non si fermarono all'eccidio e alla spoliazione dei beni dei Manzoni ma iniziarono un vero e proprio depistaggio per scoraggiare i parenti dal cercare i Manzoni. Sparsero la voce che non si trattava di una strage ma bensì di un allontanamento volontario.
Solo la tenacia di una giovane nipote, la Contessina Valeria Manzoni riuscì a far proseguire le indagini, dopo che lei si recò alla villa dei Manzoni in frazione Frascata a Lavezzola e la trovò vuota ed abbandonata. Quando i partigiani comunisti capirono il pericolo che Valeria rappresentava per loro , progettarono di eliminare anche lei in due diverse occasioni, ma la ragazza non era stupida e non cadde nei tranelli che essi le avevano teso e riuscì a dribblare il sicario mandato a Bologna, dove abitava, per liquidarla.
I Carabinieri dopo la nuova denuncia, nel 1948, iniziarono le indagini e nel corso di alcune perquisizioni trovarono dei mobili che erano appartenuti ai Manzoni in case di proprietà di alcuni partigiani, uno dei quali, Primo Cassani detto Togo, sottoposto a stringente interrogatorio confessò l'accaduto e portò i Carabinieri al podere ove erano stati occultati i corpi delle vittime che vennero finalmente esumati.
L'attenzione degli inquirenti si accentrò su una dozzina di partigiani e sul loro capo, tale Silvio Pasi, dirigente del P.C.I. nonché membro della Camera del Lavoro. Cassani intanto non si fermava alla prima confessione e fece i nomi degli altri responsabili della strage, in primis Silvio Pasi, poi Gagliardi Santino, Graziani Pompeo, Canotti Olindo, Casselli Paolo, Coccoli Leonida, Tamburini Fausto, i fratelli Martini, Bagnaresi Gianprimo, Ricci Rino, Salami Marino, Donigaglia Dergo, e Guerra Luigi.
Sette di essi fuggirono in Cecoslovacchia, il porto franco dove tutti gli assassini comunisti trovavano rifugio anche se nello squallore più totale.
Nel 53 fu celebrato il processo e ben 13 ergastoli vennero distribuiti agli assassini, ma per effetto della amnistia Togliatti furono ridotti a 19 anni di cui solo 5 effettivamente scontati e in terzo grado ad Ancona tutti furono assolti per insufficenza di rove.
Nel 62, il capo, Pasi morì a 51 anni, altro parallelo con l'assassino dei Biamonti, Luigi Rossi che anch'esso se ne andò ancora giovane divorato da un tumore al cervello.

Purtroppo il Comune di Lugo gli tributò funerali solenni a spese dei cittadini, nonostante tutti sapessero quello che aveva fatto e negli anni seguenti gli intitolò addirittura una via, anche se in periferia e contornata da appena otto case.

          Furti e percezione di insicurezza   
Furti e percezione di insicurezza
Non passa giorno che uno o più appartamenti subisca un furto, con effrazione, con chiavi false o bulgare , con cacciaviti o altri attrezzi da scasso, a tutte le ore di giorno o di notte, indifferentemente con casa vuota o in presenza dei residenti, con la mano di velluto o con l'uso di narcotici spray che spesso causano danni irreversibili agli anziani o ai malati in qualche caso con lo stesso prodotto hanno narcotizzato il cane di casa.
La mappa di Savona è costellata di bandierine rosse che stanno a significare la frequenza e la gravità del fenomeno, Via Bresciana, Via Nizza, Via XX settembre, in centro come in periferia, l'altezza degli appartamenti non è un problema per i ladri che si arrampicano lungo i tubi delle condutture, sfruttano ogni asperità per salire, forzano le persiane o le serrande, spaccano i serramenti esterni, anche i portoncini blindati non rappresentano un problema per loro che si applicano sino a violarli.
Una volta entrati non si accontentano dei valori ma prendono anche le chiavi delle auto, le cercano e le rubano lasciandoti a piedi e chissà quando la ritrovi la tua macchina. La polizia e i Carabinieri arrivano con rapidità ma bisogna ammettere che questi criminali hanno una velocità a sparire che ha dell'incredibile.
A parte il danno economico che già di per sé è grande, chi subisce un furto in casa propria, si sente violato nell'intimo, nei propri affetti personali, la casa è come l'anima, una cosa propria che deve essere vissuta solo da chi l'ha costruita, creata, con i mobili disposti in un certo modo, con i quadri di famiglia affissi sulle pareti in un sistema noto solo al nostro cuore, la casa è un pezzo della nostra vita , anche se povera, anche se umile, è noi stessi, i nostri famigliari, i nostri cari anche quelli che non ci sono più, i nostri ricordi e le nostre speranze per il domani.
Chi viola le nostre porte, le nostre finestre viola qualcosa di molto più importante e vitale che dei semplici oggetti.
Ci viene fatta una violenza pesantissima, non è un caso che molte persone anziane, quindi più indifese e fragili dopo un furto in casa propria si siano ammalate. Molti non fanno neppure denuncia affermando che non serve a nulla, personalmente non sono d'accordo, fare denuncia è un atto di vitalità e di fede verso chi opera giornalmente per tutelarci e poi descrivere quello che ci hanno portato via potrebbe anche farci tornare in possesso dei nostri valori, anche se ammetto che non è facile. Oltre ai ladri, esistono anche i ricettatori che spesso sono persone che sono al di sopra di ogni sospetto.
Chi non ha ancora subito un furto in casa, vive con una percezione maniacale di insicurezza altissima, chiude sempre la porta di ingresso con le mandate, anche quando è in casa, sobbalza ad ogni rumore sospetto e inconsueto, scruta spesso dall'occhio magico della porta per vedere chi sale e scende le scale, osserva spesso il traffico nella strada , mura una cassaforte in punti nascosti della casa,nasconde le chiavi dell'auto, si alza ad ore strane la notte per dare una occhiata in strada, installa dei sistemi di allarme o delle videocamere collegate con il cellulare, chi può,compra un'arma e chi non ha il porto d'armi si munisce di un coltello o di un nodoso bastone, alcuni svitano i fischer che tengono i tubi delle grondaie alla facciata del palazzo nella speranza di fare precipitare chi tenta di usarle per arrampicarsi o comprano un cane da guardia.
Certo, questa non è una bella vita ma è esattamente quello che stiamo vivendo, per quanto mi riguarda dormo con un coltello da parà sotto il cuscino, sto in tensione continua e guardo e osservo tutto quello che accade intorno a me, faccio spesso visita ai vicini, soprattutto quelli anziani e soli e impiego un pezzo della mia giornata a vivere il mio quartiere che conosco bene cercando di notare cose che escano dalla normalità.

Peso 75 Kg., sono abbastanza coraggioso e molto, molto incazzato, quindi se sono cosciente e orientato e trovo un ladro in casa mia...o lui ammazza me oppure io ammazzo lui e nessuno lo trova più, neppure i suoi parenti stretti.

Roberto Nicolick


          Os lucros da produção sustentável    
Giovana Girardi, de O Estado de S.Paulo

Estudo feito com Monsanto e Natura mostra que a produção de soja e dendê aliada à proteção ambiental garante valor até 200% maior .
Qual é o impacto de substituir uma vegetação nativa pela produção agrícola? A pergunta, geralmente respondida com uma lista de conhecidos benefícios que as florestas prestam para a sociedade e para a própria agricultura, acaba de ganhar uma explicação mais concreta: um valor.

Não preservar o ambiente pode causar prejuízos reais ao produtor. É o que mostra o projeto Teeb (Economia dos Ecossistemas e Biodiversidade) para o Setor de Negócios Brasileiro, que estabeleceu uma valoração para os serviços ambientais - ou para o "capital natural", como eles chamam - em dois estudos de caso: um com a Monsanto e outro com a Natura.
O trabalho, coordenado pela ONG Conservação Internacional (CI-Brasil) e baseado no modelo do Teeb global, considerou diferentes práticas agrícolas na produção de soja e de óleo de palma (dendê) em estudos pilotos nas plantações das duas empresas.
Ao considerar nos cálculos o valor da biodiversidade e dos serviços que ela presta, como proteger o solo da erosão ou garantir a oferta de água, o valor da produção nos cenários em que houve adequação ao ambiente foi maior do que na situação tradicional de cultivo - o chamado "business as usual".
No caso da Natura, os pesquisadores compararam os dados de um hectare de monocultura de palmeira de dendê, de onde se extrai o óleo de palma, com os de um hectare de um sistema agroflorestal, que combina árvores nativas, como cacau e maracujá, com os dendezeiros. Ambos localizados no Pará.
No cenário agroflorestal, o valor ambiental total da produção - calculado pela diferença entre os ganhos prestados pelos serviços florestais e os impactos ao ambiente e à sociedade provocados pela cultura plantada - foi 200% maior que na versão "business as usual".
No estudo da Monsanto, realizado no oeste da Bahia, comparou-se um hectare de terra coberto só com a monocultura de soja com um outro em que a cultura convive com o Cerrado - bioma hoje mais ameaçado do Brasil e também por onde a soja mais se expande. Neste segundo cenário, baseado na proporção definida pelo Código Florestal - 80% de área cultivada e 20% de Reserva Legal -, o valor ambiental foi 11% maior que no cenário só com a monocultura.
Visibilidade. "A vantagem desse trabalho é trazer à tona um valor que até então era invisível, mas que é fundamental nas análises de risco da empresa. Está cada vez maior a expectativa de que se comece a cobrar pela poluição gerada por uma produção. Isso eventualmente pode ser colocado nos cálculos da compensação ambiental", afirma a bióloga Helena Pavese, coordenadora do projeto na CI.
"Mas não é só uma questão de impactos. As empresas utilizam o capital natural como base para seus negócios. Mudanças na oferta e qualidade deste capital afetam seu desempenho. Com esta abordagem de valoração, pudemos mostrar em cifras, e não tanto quantitativamente, como a biodiversidade e os serviços ecossistêmicos são importantes para a empresa."
Uma das expectativas do trabalho é que os resultados possam eventualmente ser incorporados nos processos decisórios das empresas. É o que planeja a gerente de responsabilidade social, corporativa e de sustentabilidade da Monsanto, Daniela Mariouzzo, que coordenou o trabalho na empresa.
"Não é de hoje que se discute como produzir mais alimentos, preservar a natureza e que isso seja viável economicamente no longo prazo. Como beneficiar todos os envolvidos nisso? A resposta passa por trazer algo concreto para a mesa. Acho que esse estudo é um começo para o debate. Mas ainda não é algo completamente consolidado", diz.
"Os números traduzem o que já se conhece na prática: produzir soja sem o Cerrado afeta o clima, a polinização, a conservação da água. E trazem mais argumentos para debater com todos os atores." Ela afirma que o próximo passo é trabalhar mais o estudo dentro da empresa, principalmente com outros setores, como o de avaliação de riscos, e com os produtores rurais.
Mais a longo prazo, a ideia é usar esse tipo de informação para desenvolver um mecanismo que remunere os produtores que preservem o Cerrado. Por lei, eles já são obrigados a isso, e quem não cumpre tem de se regularizar. "Mas podemos pensar numa forma de pagar quem quiser proteger além do que manda a legislação", defende.
Cadeia. Na Natura, o estudo se inseriu em um processo mais amplo - iniciado em 2010 e já incorporado na decisão dos negócios -, que prevê avaliar toda a cadeia de suprimentos, da extração da matéria-prima à entrega do produto ao consumidor. Em relação ao óleo de palma, matéria-prima para a produção de sabonetes, a empresa vinha buscando a alternativa do sistema agroflorestal há cinco anos em parceria com a Embrapa.
"Já sabíamos que havia uma viabilidade técnica, em escala pequena, mas não sabíamos o valor disso. Só do ponto de vista econômico, a monocultura parece mais eficiente, uma vez que tem produtividade alta por causa da mecanização. Mas o estudo mostrou outros valores ambientais e sociais que o modelo tradicional não olha", diz Luciana Vila Nova, gerente de sustentabilidade da Natura. No futuro, diz ela, a ideia é conseguir mostrar o valor ambiental de cada produto da empresa.
ENTENDA COMO FOI FEITO O CÁLCULO
Para fazer o cálculo do valor ambiental da produção de soja e de óleo de palma, os pesquisadores compilaram uma série de estudos já disponíveis na literatura científica que, individualmente, já haviam aplicado um valor monetário às quantidades físicas de capital natural.
O número estimado para um hectare de cada cenário foi obtido com a soma dos serviços ecossistêmicos subtraídos da soma dos impactos. Contam como serviços a capacidade de provimento (de alimento, água doce, madeira, combustível, fibras e outros recursos) e de regulação (do clima, da água e o controle da erosão) daquele ambiente. Como impactos agrícolas diretos são considerados poluição do ar e da água e emissões de gases de efeito estufa.
Também foram levados em conta valores de mercado, quando eles já existem, como é o caso da madeira e de créditos de carbono. Por exemplo: o preço do carbono, segundo o relatório Stern do governo britânico, taxado em R$ 233 por tonelada de dióxido de carbono (CO2) equivalente, foi usado para valorar as emissões de gases de efeito estufa.
No estudo da Natura, o valor ambiental total obtido com os sistemas agroflorestais com óleo de palma é três vezes maior do que aquele obtido com a monocultura do óleo de palma – R$ 410.853 por hectare, contra R$ 122.253 por hectare, durante a vida útil de 25 anos da plantação. Esse resultado foi obtido principalmente porque os impactos da monocultura são quatro vezes o impacto dos sistemas agroflorestais.
Na Monsanto, o valor da produção de soja aliada à conservação do Cerrado é 11% maior que a monocultura de soja – respectivamente R$ 1.139 por hectare ao ano, contra R$ 1.031.
O modelo adotado no estudo foi baseado no Teeb global, lançado em 2010 pelo economista indiano Pavan Sukhdev em parceria com o Programa das Nações Unidas para o Ambiente. O estudo estimou que o custo anual da perda da biodiversidade fica entre US$ 2 trilhões e US$ 4,5 trilhões.

http://economia.estadao.com.br/noticias/economia-brasil,os-lucros-da-producao-sustentavel,179721,0.htm
          Engenheiro sanitarista   


O que é ser engenheiro sanitarista?

A engenharia sanitarista é a área que trata da exploração e do uso dos recursos hídricos. Os engenheiros sanitaristas são os profissionais responsáveis pelo diagnóstico, elaboração e coordenação de projetos de saneamento básico e de obras sanitárias. O trabalho desse profissional também envolve a fiscalização, a manutenção e ampliação de projetos que melhorem a qualidade de vida da população, como os de água, sistemas de tratamento, esgoto, drenagem e irrigação pluvial, limpeza urbana e de resíduos. O trabalho dos engenheiros sanitaristas é muito importante para as áreas social, de saúde e ecológica, pois além de visar o bem estar social, também é uma forma de prevenir doenças, sempre visando a preservação e diminuição dos danos ambientais, promovendo um desenvolvimento sustentável. Os engenheiros ambientais atuam promovendo o desenvolvimento sustentável.

Quais as características necessárias para ser um engenheiro sanitarista?

Para ser um engenheiro sanitarista, são necessários conhecimentos das áreas ambiental, de hidráulica, de hidrologia e outros conceitos que serão abordados no curso de formação. Além disso, outras características interessantes são:
  • gosto pela natureza
  • interesse por questões ambientais e sociais
  • capacidade de organização
  • capacidade de observação
  • interesse pelas tecnologias e metodologias da área
  • visão de projeto
  • disciplina
  • paciência
  • responsabilidade
  • método
  • facilidade para expor situações

Qual a formação necessária para ser um engenheiro sanitarista?

Para ser um engenheiro sanitarista é necessário diploma do curso superior de Engenharia Sanitária e Ambiental, que tem a duração média de cinco anos. Esse curso tem por objetivo habilitar o profissional nas metodologias e tecnologias de projeto, diagnóstico, construção, manutenção e operação de sistemas ligados principalmente ao aproveitamento dos recursos hídricos e ao saneamento básico. Como em todas as engenharias, os primeiros dois anos de curso são voltados ao estudo de matérias básicas como matemática, física, química e biologia, e depois o ensino é voltado às matérias de sistemas hidráulicos, hidrologia, metodologias de tratamento de água, controle de poluição, geologia, topografia, qualidade da água, resíduos sólidos urbanos, entre outras que fazem parte da grade curricular do curso. Para exercer a profissão de engenheiro sanitarista é necessário registro no CREA - Conselho Regional de Engenharia Arquitetura e Agronomia.

Principais atividades

  • diagnosticar problemas relacionados às redes de água e de esgoto e aos sistemas de saneamento
  • analisar e orientar o uso dos recursos das bacias hidrográficas
  • analisar a qualidade da água e diagnosticar problemas existentes, na tentativa de elaborar soluções ou métodos para atenuar os danos ambientais
  • elaboração de projetos e obras hidráulicas que visam a melhoria da qualidade de vida da população
  • fiscalização dos sistemas de tratamento de água existentes e elaboração de projetos de melhoria e ampliação
  • fiscalização dos serviços de esgoto existentes e elaboração de projetos de melhorias e ampliação
  • elaboração de projetos de preservação ambiental e controle da poluição, sempre buscando promover um desenvolvimento sustentável
  • coordenação de projetos de saneamento básico
  • construção de canais de irrigação e drenagem pluvial
  • realização de projetos de limpeza urbana e de eliminação dos resíduos sólidos da melhor forma possível, visando sempre a preservação ambiental
  • monitoramento dos projetos de saneamento básico, elaborando maneiras de estendê-lo, na tentativa de que ele atinja a maior parcela possível da população

Áreas de atuação e especialidades

  • Captação, tratamento e distribuição de água: nessa área, o profissional trabalha com a elaboração de projetos de captação dos recursos hídricos, com tecnologias e métodos de tratamento da água, além da fiscalização do tratamento e verificação da qualidade da água e de projetos de distribuição da água potável para a população, estabelecendo as melhores formas e métodos pata tal.
  • Gestão, coleta e tratamento de efluentes hídricos e atmosféricos: esta área analisa os danos ambientais, estuda os métodos de coleta e de tratamento de recursos hídricos contaminados ou poluídos, visando sempre a preservação do meio ambiente.
  • Coleta e tratamento de resíduos sólidos urbanos e industriais: área que estuda os métodos de coleta e tratamento de resíduos sólido, aplica tecnologias na tentativa de eliminar do meio ambiente a poluição gerada pela urbanização e industrialização de grandes cidades.
  • Operação de sistemas de tratamento de água e efluentes: área que é especializada em tecnologias de tratamento da água, pesquisando novos métodos e procurando evitar os danos ambientais
  • Avaliação de impactos ambientais: área responsável pela produção de relatórios de danos ambientais, procurar as causas e propor soluções para a minimização desses danos
  • Planejamento dos recursos hídricos: área responsável por planejar a utilização dos recursos hídricos e elaborar formas de economia de água e de preservação desse recurso
  • Manejo de bacias hidrográficas: área responsável por elaborar planos de exploração das bacias hidrográficas, sempre visando a preservação ambiental
  • Drenagem urbana e rural: responsável por planejar a drenagem da água em áreas urbanas e rurais
  • Educação ambiental: responsável por conscientizar a população da importância dos recursos hídricos e da necessidade de promover um desenvolvimento sustentável nesse setor

Mercado de trabalho

A necessidade de profissionais nessa área é sempre grande no Brasil, devido à precariedade dos sistemas de saneamento básico e de abastecimento de água potável. O mercado de trabalho é promissor, principalmente no setor público, pois a maioria desses serviços é de responsabilidade das prefeituras, secretarias estaduais e federais, além de órgãos de planejamento e controle ambiental. Atualmente, também cresce o número de empresas privadas preocupadas com a situação do meio ambiente e suas conseqüências a médio e longo prazo e com as pressões legais acerca da questão da poluição. Essas empresas caracterizam um novo mercado para o engenheiro sanitarista, que baseado em seus conhecimentos pode propor soluções para alguns desses problemas. As ONGs ligadas ao meio ambiente também empregam bastante na área sanitária.

Curiosidades

O patrono da engenharia sanitária no Brasil foi Francisco Saturnino de Brito (1864 - 1929), profissional que por muitos anos se dedicou à pesquisa no setor, e depois ao ensino, formando muitos profissionais de alto padrão. Seu invento mais conhecido que colaborou imensamente para a evolução da engenharia sanitária foi o tanque fluxível, utilizado no Brasil e em toda a Europa no séc XX, só abandonado na década de 70, quando foi substituído pelo cálculo das redes de esgoto baseado na tensão tratativa. Saturnino escreveu diversas obras técnicas, que foram estudadas na França, Inglaterra e nos Estados Unidos.

Onde achar mais informações?



"Profissional que é perito em assuntos sanitários"
Fonte: Redação Brasil Profissões

http://www.brasilprofissoes.com.br/profissoes/engenheiro-sanitarista

          Artprice Takes a Major Stake in the OTC Art Market Which Generates a Volume of Transactions Roughly 7 to 9 Times Higher than the Traditional Art Market   
...has been the first company in Europe to develop proprietary algorithms to daily score cultural players on Facebook. A large budget was allocated to the production of indices, tools and economic benchmarks. Early on such investments raised questions - nowadays the results ...


          Americans Love to Save Despite Strong Economic Outlook, Reports Valassis   
...pastime. Despite the brightened economic outlook - as the U.S. unemployment rate hits a 16-year low - American consumers remain budget-conscious. Recent Valassis research indicates a continued desire to save, with 90 percent of U.S. shoppers reporting they use ...

          Delhi University releases second cut off list, details here   

Delhi University (DU) has released the second cut off list and this year too beat top in the sought after colleges have already filled up. Lady Shri Ram College of Women has shut admission process for subjects like Economics, History, Sociology, BCom, Mathematics and Statistics in the unreserved (UR) category. Likewise BA (Hons.) Economics admission is over for the UR category at Shri Ram College of Commerce (SRCC), and the second cut off for OBC category is 95.75.

DU Second Cut Off List: Many Top Colleges/Courses Have More Than 95 Per Cent Cut Off

Cut offs for BA Honors English, Journalism, Political Science and BA Honors Psychology in Lady Shri Ram College for Women are 97.5 and 98.25 respectively. At Shri Ram College of Commerce, the cut off for BCom Honors course is 97.5. The same trend can be found at other leading colleges like Miranda House, Hansraj College, Ramjas College and Hindu College.

SRCC is one of the top ranked commerce colleges in the nation and has been in the spotlight for last couple of years for setting unusually high cut off for B.Com. (Honors). This year, however, the cut off has not reached the touchdown mark of 100% similar to the case in 2011. This year in its first cut off for B.Com. (Honours) and BA (Hons) Economics which was published on June 23, SRCC kept the marks at 97.75%. Read: SRCC Releases Second Cut-Off, 0.25 Dip For BCom Honors

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          As GST sets in with midnight gong, Social Media rolls out jokes and memes   

As the clock hit midnight, President Pranab Mukherjee and Prime Minister Narendra Modi pressed the button to mark the start of India’s biggest tax reform ever – Goods and Services Tax (GST). The new tax regime embodies the principle of “one country, one tax, one market” and plans to rejoin the economy as one common market. Addressing the Central Hall of Parliament, PM Modi said GST was the combined effort of different parties and described it as “Good and Simple Tax”. President Pranab Mukherjee talked about his earlier part as Finance Minister and said the rollout of GST was a moment of “personal satisfaction” to him.

Naturally, GST has been the buzz word on social media also with GST dominating the top trends on Twitter. As the new tax reform came into place, most people were just confused what it meant for them.

As many figured out its impact, most stuck to the usual drill of making jokes…

Furthermore, this individual summed up how most were feeling

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          Amazing Monsoon Destinations in Asia   

Envision the cool rainstorm breeze shaking you in a sleep with you tucked into a comfortable cover tuning in to the sound of the raindrops against your window. The storm is a wonderful time. The clean and warmth settle and the rain divine beings remunerate our understanding with showers of help. With splendid, fluorescent greens all around that increase the draw of nature, the outside entice us to investigate, meander and delight in their appeal. Rainstorm mean hot cocoa and vivid umbrellas, petrichor and flying creature tunes. Goodness what a wonderland it makes! In the event that storm had a home, it would be South East Asia. This piece of Asia gets changed into a rich, green Utopia in the downpours. So whether its virgin rain-woodlands of Malaysia or the paddy fields of Indonesia, storms in Asia will make you go gaga for life in all its magnificence.

India

Rainstorms in India are frantic, tremendous and genuine in the meantime. They bring eminent grins, impromptu bewilderment and wash this magnetic scene with lavish green tints. All finished India, individuals experience the sweltering warmth of summers with just a single expectation in their brain; that the rain divine beings will be sufficiently caring to seem early. Such a great amount of relies upon the storms; the products, the celebrations and even the economy! What’s more, kid do the petitions work! At the point when the downpours come, they change the geography of this great country into something that is appropriate out of a legendary children’s story. A portion of the best places to visit in rainstorm in India are:

Kerala:

Rainstorm are caring to Kerala and favor this land with uncommon sights and scenes. Despite the fact that downpours are very substantial in this piece of the nation, they carry with them fabulous normal magnificence and a new breath of air, living Kerala up to the name divine beings claim nation.

Monsoon

Goa:

Goa is a heaven in downpours. The coconut trees move in a glad daze and the ocean is thundering and swelled with water. Despite the fact that you cannot take off to the shoreline amid this time, youll need nothing more except for a sluggish watercraft ride on the backwaters to appreciate the mysterious view. Can’t go to the shoreline in rainstorm? Try not to stress there are numerous different things to do in Goa in Monsoon.

Karnataka:

Karnataka winds up plainly splashed in excellence amid the storms. Waterfalls in Karnataka are an incredible sight in the times of July-August. Make a beeline for Coorg to sentiment in the midst of the espresso manors and waterfalls or to the compelling Jog falls in Shimoga area that move in jollity amid the downpours.

Monsoon

Meghalaya:

Home to Cherapunji and Mawsynram, the wettest places on earth, storms have an exceptional importance in this state. Shillong, encompassed with valleys, decorates perfect waterfalls and an all encompassing perspective of the moving slopes. North-east India with its untouched magnificence and virgin backwoods is genuinely a rain-darlings paradise.

Monsoon

Indonesia

At the point when there are storms in India, Indonesia is generally dry with light, discontinuous downpours that don’t come in the method for investigating this shocking nation. Indonesia, once the underdog of tourism, has since demonstrated that it offers amazing open doors for travel and touring. From one viewpoint Sumatra will entrance with its superb Lake Toba and on the other Bali will urge you to absorb its warm sun and delicate sands. That is the reason April to October is the best time to visit Bali . Jakarta is ending up being a shopaholics dream work out as expected and the Ayer islands are ideal for scuba jumping and snorkeling. Indonesia is unassuming, beautiful and brimming with conceivable outcomes!

Monsoon

Thailand

Thailand has an overwhelming rainstorm which is for the most part packed in its terrain. Storms shed the breathtaking exterior of Bangkok and despite the fact that the downpours here come to put it plainly, overwhelming spells, theres no chance you can avoid its appeal. The more secure spots to visit in Thailand amid the downpours are Koh Samui, Koh Phangan and Koh Tao where rain is less an aggravation instead of an enhancer of excellence. Prepare for amazing offers on lodgings and shopping amid this time and excellence like you have never experienced!

Monsoon

Malaysia

Malaysia is a standout amongst the most energizing rainstorm goals in Asia. It has everything; a virgin rainforest, stunning scuba plunge destinations, liberal retail treatment and even a world well known Orang-utan recovery focus! Amid the conventional storm period of whatever is left of Asia, Malaysia’s east drift is as yet dry which implies that its reality class shorelines are as yet available. So you can pick your enterprise: trekking, shake climbing, scuba-plunging or shop-bouncing! Malaysia is an explorers dream-work out as expected whenever of the year.

Monsoon

Singapore

Favored with two rainstorm, clamoring Singapore does not stop for any season! The main motivation to make a beeline for Singapore amid rainstorm is its observed Great Singapore Sale which offers mind blowing rebates, giving you a chance to look as chic and all around prepared as the Singaporeans so easily do! So go to this garden city to make the most of its total and find the incalculable liberalities and shocks anticipating you!

Monsoon

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          Comment on MAKE US LOUDER: call your Senator by Anna L.   
Imagine a health care market with 10 people. Nine are young and healthy, the tenth has cancer. All ten are required to buy comprehensive health insurance. The person with cancer faces higher premiums, but those premiums are moderated by the fact that every other person is paying in a share for the same care, sharing the risk. Now imagine the law changes, and anyone can buy any level of insurance they like. The nine healthy people make the rational economic decision to buy bare bones plans; they rarely need to see a doctor. The cancer patient now faces skyrocketing premiums, because no one else in the market is sharing in the risk of need for care. One person is paying in for one person's cancer care; they shoulder the entire cost, essentially. Now imagine the law changes further, and no one is required to buy health insurance. The nine healthy people drop out of the market, leaving the cancer patient as the only plan holder. There is no one to share the risk with; the cancer patient must pay the full value of needed care, plus the profit margin. These last two scenarios are what Catholic Vote supports. This is insanity; a pro-life health care system is one that puts the burden of paying for care solely on the sick? Why?!? The CBO spells out this wonderful pro life plan: “Out-of-pocket spending would also be affected for the people—close to half the population, CBO and JCT expect—living in states modifying the EHBs using waivers. People who used services or benefits no longer included in the EHBs would experience substantial increases in supplemental premiums or out-of-pocket spending on health care, or would choose to forgo the services.” People would forgo care because they can't afford it, and that's considered pro-life around these parts. How shameful to put support for the Republicans over actual Catholic teaching.
          How millennials are changing the shopping landscape   

The economic power of the millennial generation is growing, and that means marketers are selling to a whole new generation of shoppers who have dramatically changed the buying landscape.

The post How millennials are changing the shopping landscape appeared first on Holy Kaw!.


          LE BUDGET DU SENEGAL   

Le budget du Sénégal va atteindre 3720,25 milliards de francs Cfa

cfa1.jpg

L’annonce a été faite, hier, lors du débat d’orientation budgétaire 2017 à l’Assemblée nationale par le ministre de l’Economie, des Finances et du Plan. Selon Amadou Ba, la mobilisation de cette manne financière repose sur la base d’une politique fiscale, qui sera axée sur le renforcement des acquis du nouveau Code des impôts.
Au total, les recettes du budget 2016 ont connu une hausse de 15%, passant de 2026,1 milliards en 2015 à 2334,6 milliards, essentiellement imputable à l’augmentation significative des recettes budgétaires (+15,23%).
« En 2016, 58 conventions de financement ont été signées, portant ainsi le nombre de conventions signées depuis la tenue du Groupe consultatif de Paris à 198 pour un montant mobilisé de 3 486 milliards, dont 89,7% sous forme d’emprunts concessionnels et 10,3% à titre de subvention.
Globalement, les dépenses sont ressorties à 2704 milliards en fin 2016 contre 2411,5 milliard en 2015, soit un accroissement de 12%. La pauvreté a baissé », a soutenu M. Ba.
Au 31 mai 2017, les ressources budgétaires ont été recouvrées à hauteur de 1074,13 milliards, 767,9 milliards de recettes internes et 304,23 milliards de ressources extérieures destinées au financement des projets et programmes d'investissement publics. Soit 70% des prévisions de tirage sur l’année 2017 effectués en 5 mois.
Ce qui lui fait dire que le dynamisme de l’économie sénégalaise devrait se consolider avec un taux de croissement du Produit intérieur brut (PIB) réel projeté à 7% contre 6,8% en 2017.
« Sans pétrole et sans gaz, nous atteindront en 2018, un taux de croissance de 7%»
«Nous projetons une croissance de 7% en 2018. Beaucoup n’y croyaient pas. Aujourd’hui, force est de constater que le Plan, la vision sont totalement exécutés. Nous n’avons pas encore intégré les revenus du pétrole et du gaz dans ses performances.
Donc, sans pétrole, sans gaz le Sénégal atteindra une croissance au moins de 7%. Car, les ressources provenant du pétrole et du gaz sont attendus en 2021 », se réjouit le ministre non sans annoncer qu’en 2018, le déficit budgétaire devrait être réduit à 3%, après 3,7% en 2017.
Poursuivant, il renseigne que les ressources et charges budgétaires sur la période 2018-2020 à 11 614,24 milliards. Concernant la dette publique, Amadou Ba informe qu’elle passera de 6 302,8 milliards en 2018, 6580,5 milliards francs Cfa en 2019 et 6792,3 milliards en 2020.
« Notre endettement qui était à 60% du PIB est aujourd’hui, à 40%. La répartition annuelle des investissements publics programmés sur la période 2018-2020 se présentera comme suit : 1345 milliards de francs CFA pour 2018, soit une augmentation de 120 milliards par rapport à 2017, 1490,9 milliards pour 2019 et 1652,3 milliards », détaille le ministre.
« Le Sénégal ne peut pas donner ou produire des statistiques fabriquées »
Pour le recrutement dans la Fonction publique, les prévisions se chiffrent à 13 130, 12 203 et 6 500 respectivement en 2018, 2019 et 2020. D’après le ministre des Finances, tous ces chiffres donnés sont authentiques, car le Sénégal est un pays qui est sur les marchés internationaux.
« Donc, il ne peut produire ou donner des statistiques fabriquées ». Dans le même ordre d’idées, Amadou Ba affirme que l’ambition du Sénégal est d’adhérer, dès cette année, à la norme spéciale de diffusion des données statistiques du Fonds monétaire.
Aliou Diouf (Libération)/leral.net


          La sequía arruina al campo español: las pérdidas ascienden a 2.000 millones   

La cosecha de cereal en ambas Castillas, el granero de España que se muere de sed y calor, apenas superará los 5 millones de toneladas frente a las 12,4 del año 2016.

Los agricultores, que viven el peor año desde 1992, piden ayudas directas a la administración, que hasta ahora se limita a diferir el pago a la SS y ofrecer créditos a interés cero.

[Te interesa leer: Así está la reserva hídrica en España]


          Madrid, con mucho Orgullo para el mundo: las mejores imágenes del desfile   

La manifestación y el tradicional Desfile, con la presencia de 52 carrozas, ha contado con miles de asistentes en las calles, en un evento de carácter festivo y también reivindicativo.

Referentes de los principales partidos políticos, como Pablo Iglesias y Albert Rivera, encabezaron la marcha bajo el lema 'Por los derechos LGTBI en todo el mundo'.

Te interesa leer: Disfrutar la Semana del 'Orgullo' desde este balcón de Chueca cuesta 5.000 euros


           Economic crisis tops the ANC's policy agenda, says Mantashe    
Some issues have to be dealt with immediately after the meeting, such as the economy, says Gwede Mantashe
          Una chiosa sulla sofferenza e sulla dignità della vita.   
Le sofferenze sia fisiche che psicologiche, possono essere fronteggiate con tutte le cure palliative - che sono altra cosa dall'accanimento terapeutico - e con tutta l'amorevolezza della vicinanza e dell'accompagnamento.
Ѐ arbitrario sostenere che essere intubati, sedati, ecc. renda la vita non degna di essere vissuta. 
In primo luogo perché afferma la superiorità di una posizione etica sull'altra, stigmatizzando quella di chi non considera mai la vita indegna. La dignità non sta nell'assenza di sofferenza o di bisogno ma nel modo in cui si accetta e ci si fa carico di situazioni difficili, sia subendo che accompagnando. Ѐ certo doloroso e impegnativo, moralmente e materialmente, ma appartiene all'uomo redento che vive ogni situazione in atteggiamento di 'offerta', fatto forte dalla grazia che lo rende possibile.
In secondo luogo perché ne conseguono soluzioni drastiche nei confronti del malato, magari accampando anche ragioni economiche in termini di costi materiali, quando il 'costo' spirituale non ha prezzo nell'economia della salvezza. Chi non ci crede resta libero di scegliere una fine accelerata; ma resta una scelta personale che non può diventare legge per tutti e non può coinvolgere lo stato che si sostituisce alla coscienza umana. Perché non può essere altrettanto libero chi crede e fa la scelta opposta?
Inoltre è un comportamento che offende moltissimi malati (e spesso anche i loro familiari) che, pur in situazioni difficili, non ritengono indegna la loro vita, ma preziosa fino alla fine naturale.
Oltretutto non si può conoscere la vita interiore delle persone, valutandola solo da un punto di vista materialista. Non possiamo sapere che esperienze siano loro riservate. Personalmente ho vissuto una situazione di rianimazione nella quale il mio nucleo di coscienza c'era e non dico altro. Ci sono molte testimonianze di persone 'uscite' da stati vegetativi, alcuni ritenuti irreversibili, che dicono di esser state consapevoli di ciò che avevano intorno, soprattutto delle persone che si prendevano cura di loro. Non possiamo sapere se malati come il piccolo Charlie "sentano" i genitori, chi se ne prende cura e cosa provino. Non possiamo sapere neppure che fine abbia ogni loro istante vissuto su questa terra, su un piano metafisico che ormai tutti sembrano accantonare. Ciò che non si conosce dovrebbe rendere almeno prudenti e, se c'è da scommettere, bisognerebbe farlo a favore della vita e non della morte.
Non mettiamo dunque in relazione la sofferenza con la dignità della vita. Chi soffre non è meno degno di vivere di chi non soffre. E chi sostiene che un certo tipo di sofferenza rende la vita indegna decida per sé e non pretenda di farlo per gli altri.

          Japan, EU on cusp of free trade agreement after U.S. TPP rebuff   

Japan, EU on cusp of free trade agreement after U.S. TPP rebuffJapan and the European Union are on the cusp of a wide-ranging free trade agreement that could help blunt the forces of protectionism sparked by U.S. President Donald Trump's trade policies. EU Trade Commissioner Cecilia Malmstrom said she was "quite confident" that a broad agreement can be announced at a summit on July 6 with Japanese Prime Minister Shinzo Abe as both sides finalise the reduction of tariffs on autos and agricultural goods. Clinching a deal would offer Japan and Europe an important political victory and could raise questions about the U.S. government's influence on the agenda for the global economy.



          Developing and Evaluating Digital Interventions to Promote Behavior Change in Health and Health Care: Recommendations Resulting From an International Workshop   
Devices and programs using digital technology to foster or support behavior change (digital interventions) are increasingly ubiquitous, being adopted for use in patient diagnosis and treatment, self-management of chronic diseases, and in primary prevention. They have been heralded as potentially revolutionizing the ways in which individuals can monitor and improve their health behaviors and health care by improving outcomes, reducing costs, and improving the patient experience. However, we are still mainly in the age of promise rather than delivery. Developing and evaluating these digital interventions presents new challenges and new versions of old challenges that require use of improved and perhaps entirely new methods for research and evaluation. This article discusses these challenges and provides recommendations aimed at accelerating the rate of progress in digital behavior intervention research and practice. Areas addressed include intervention development in a rapidly changing technological landscape, promoting user engagement, advancing the underpinning science and theory, evaluating effectiveness and cost-effectiveness, and addressing issues of regulatory, ethical, and information governance. This article is the result of a two-day international workshop on how to create, evaluate, and implement effective digital interventions in relation to health behaviors. It was held in London in September 2015 and was supported by the United Kingdom’s Medical Research Council (MRC), the National Institute for Health Research (NIHR), the Methodology Research Programme (PI Susan Michie), and the Robert Wood Johnson Foundation of the United States (PI Kevin Patrick). Important recommendations to manage the rapid pace of change include considering using emerging techniques from data science, machine learning, and Bayesian approaches and learning from other disciplines including computer science and engineering. With regard to assessing and promoting engagement, a key conclusion was that sustained engagement is not always required and that for each intervention it is useful to establish what constitutes “effective engagement,” that is, sufficient engagement to achieve the intended outcomes. The potential of digital interventions for testing and advancing theories of behavior change by generating ecologically valid, real-time objective data was recognized. Evaluations should include all phases of the development cycle, designed for generalizability, and consider new experimental designs to make the best use of rich data streams. Future health economics analyses need to recognize and model the complex and potentially far-reaching costs and benefits of digital interventions. In terms of governance, developers of digital behavior interventions should comply with existing regulatory frameworks, but with consideration for emerging standards around information governance, ethics, and interoperability.

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          First Aeta UP grad vows to serve Pinatubo tribes   
CLARK FREEPORT --- It's not too difficult to find Norman King in Barangay Macapagal, a settlement put up by former first lady Imelda Marcos on a hill at the northern side of this former United States military base-turned-economic zone.   Pointing to the King family home, an "unat" (lowlander) running a tricycle repair shop nearby described King as "the 'kulot' (Aeta) who recently graduated from UP (the University of the Philippines)."   It's a distinction that the Aeta community around Mt. Pinatubo wears with pride. No other Aeta has been known to have graduated from the state university before King, who obtained a Bachelor of Science degree in behavioral scienc...

Keep on reading: First Aeta UP grad vows to serve Pinatubo tribes
          Economy still on ‘solid ground’   
According to the Washington-based Institute of International Finance (IIF), the Philippines will benefit from its solid macrofundamentals even as investors have gone on a wait-and-see mode in light of President Duterte's controversial rhetoric.   In a June 22 research note titled "Still on Solid Ground," economist Kevin Sanker and chief economist for Asia-Pacific Bejoy Das Gupta of the IIF noted that "aggressive presidential tactics have ruffled feathers, but [the President] retains popular support."   "The government's ambitious agenda is aimed at raising incomes and reducing poverty by the end of President Duterte's term in mid-2022.   He has also a...

Keep on reading: Economy still on ‘solid ground’
          When dad's the president — a look inside Ivanka Trump's complicated world - Washington Post   

Washington Post

When dad's the president — a look inside Ivanka Trump's complicated world
Washington Post
Ivanka Trump's office: clean, white, quiet. A zone of punctual start times and promptly-offered water bottles, and a conference table at which she conducts meetings. A short, winding walk away from her father's Oval Office downstairs. She does not ...
White House says Spanish-version website still comingThe Hill
More than 4 in 10 Trump White House staffers earn six-figure salariesCBS News
Trump Wants To Rewrite Obama's Overtime ReformsHuffPost
New York Daily News -Washington Examiner -MarketWatch -Roll Call
all 167 news articles »

           Why are payday loans legal? Cashfloat releases a research summary exploring possible answers.    
Friday 30 June, 2017

Payday loans are a controversial topic. Should they be banned? Heavily regulated? Are they just legal debt traps? As a payday lender, Cashfloat is in the middle of it all.

Western Circle Limited, a premium payday lender trading as Cashfloat.co.uk, has released research (read it here) exploring the payday loan industry in the UK. The question tackled was: why are payday loans legal? Cashfloat brings together wide variety of statistics and information to provide a comprehensive view of the possible solutions for the payday loan industry.

Here are some key points brought up in the research:

Our own statistics say that well over two-thirds of our borrowers repay their loans early or on time, indicating that borrowers are fully aware of what they are signing up for.After payday loan were banned in some states in America, the numbers of returned cheques and the income banks made from overdraft fees increased.The current FCA regulations provide a safety net for the borrower, but are they enough? Read our analysis.

“This research brought up a lot of key points, and uncovered some interesting common misconceptions. The payday loan industry is one of the most hated industries, so it’s fascinating to look at it objectively, using statistics and external studies to uncover some truths about the industry. It’s an easy read, and I’d really recommend it for anyone with an opinion on payday loans,” says Elizabeth Redfern, head researcher.

What’s in the report?

Cashfloat begins the investigation with a look at whether payday loans are as unreasonable as they are often portrayed to be, and discuss whether they ever actually help people. Do payday lenders prey on the unaware? Statistics seem to indicate otherwise. Using their unique position as a payday lender, Cashfloat looked at their own data to see how people are coping with their loans.

The article then discusses the possible impact on individuals and the national economy of a complete ban on the payday loan industry. It points to various studies performed in the USA, where individual states each have their own regulations ranging from complete bans to no restrictions on the industry at all. This provides an interesting opportunity for many statistical analyses of the effects of banning payday loans. The results of these studies were often quite surprising.

Are there any suitable alternatives to an outright ban? The option of heavily regulating the industry is explored, followed by a discussion on how successful the current FCA regulations are in protecting the safety of borrowers. Read the full report here.

About Cashfloat

Cashfloat.co.uk is a trading style of Western Circle Limited; an FCA-fully authorised direct lender. The Cashfloat model is based on fundamentally good morals and very advanced artificial intelligence technology designed to help and protect people taking payday loans online.

Contacts

Kelly Richard, 020-3757-1933

kelly.richard@cashfloat.co.uk

Ofer Valencio Akerman (SEO and Security)

akerman@masterlevelseo.com

Social Media Accounts

www.cashfloat.co.ukhttps://www.facebook.com/cashfloathttps://twitter.com/cashfloat_kellyhttps://www.linkedin.com/company/cashfloathttps://plus.google.com/+CashfloatUk-loans

* For more information regarding media usage, ownership and rights please contact Cashfloat.Co.Uk.

Distributed by http://www.pressat.co.uk/
          New Rules Against Animal Cruelty Raise The Stake For India's Beef Wars   
Walk through any meat market in India, and you'll see chickens cooped up in tiny cages, squished together in their own waste. Carcasses of goats hang from hooks at butcher shops, as the next goats wait in line for their fate. So when India's Ministry of Environment issued new rules recently about animal cruelty in livestock markets, much of it was welcome. For example, the ministry said animal markets needed to have water and fodder, veterinarian services and humane modes of transportation. But one section of the new rules has set off a firestorm about people's right to eat what they want, state rights and religion. It also threatens the livelihoods of small farmers and raises the specter of an economic bodyblow to one of the world's largest beef exporting industries. All this comes at a time of growing number of violent attacks against beef-eating minorities by Hindu extremists. The new rules forbid the selling of cattle, including cows, calves, bullocks and buffalos at livestock
          NABARD (National Bank for Agriculture and Rural Development) Recruitment 2017 Apply Online for 117 Assistant Manager, Manager vacancy    

NABARD Recruitment 2017 Apply Online for 09 Assistant Manager vacancy before 12th July 2017

NABARD invites application for Recruitment of 09 Assistant Manager and regarding this a job advertisement is published in www.nabard.org . and in employment news. All Interested Aspirants who want to apply for Assistant Manager opening in National Bank for Agriculture and Rural Development on 09 and have Post Graduation Degree can Apply Online.Candidates are advised to check all eligibility requirements such as qualification, experience, upper age limit before applying from NABARD recruitment notification summered below:-

National Bank for Agriculture and Rural Development Recruitment Notification 2017 (www.nabard.org .)

Post Name and Total No. of Vacancies - 09 posts
1. Assistant Manager (P&SS) - 09 posts

Employment Terms - Full time

Experience Requirements - : Freshers jobs

Pay band - Selected candidate will be posted on pay band INR Rs.28,150/- .as directed by recruitment committee and as mentioned in National Bank for Agriculture and Rural Development notification

Place of Posting - Across India

Selection Process - Selection will be done according to the direction of selection committee and based on the performance in the Interview.

Age Criteria - Candidate age must be between 25 to 40 Years As on 01-06-2017. Age relaxations will be applicable only in upper age limit as per the norms for individual posts age criteria check job advertisement.

Educational Qualification - Interested Aspirant who want to take part in NABARD recruitment process must have Post Graduation Degree Certificates/Degree or its equivalent Qualification from a recognized Board / University. Post wise qualification is mentioned in Qualification criteria section in notification.


How To Apply - Interested aspirant can fill online application form www.nabard.org . before or on 12-07-2017

Application Fee
  1. For General/OBC Candidates Application Fee is - 750/- 
  2. For All Other Candidates (ST/SC) Application Fee is - 100/-
Important dates - Last date for Online Registration of Application : 12-07-2017


NABARD Recruitment 2017 Apply Online for 91 Assistant Manager vacancy before 10th July 2017

NABARD invites application for Recruitment of 91 Assistant Manager and regarding this a job advertisement is published in www.nabard.org . and in employment news. All Interested Aspirants who want to apply for Assistant Manager opening in National Bank for Agriculture and Rural Development on 91 and have Bachelor’s Degree / Chartered Accountant /Cost Accountant / Company Secretary / P.G. Diploma can Apply Online.Candidates are advised to check all eligibility requirements such as qualification, experience, upper age limit before applying from NABARD recruitment notification summered below:-

National Bank for Agriculture and Rural Development Recruitment Notification 2017 (www.nabard.org .)

Post Name and Total No. of Vacancies - 91 posts
1. General - 46
2. Economics - 05
3. Agriculture - 06
4. Agriculture Engineering - 02
5. Plantation & Horticulture - 04
6. Animal Husbandry - 05
7. Fisheries - 03
8. Food Processing - 03
9. Forestry - 03
10. Environmental Engineering - 03
11. Water Resource Development & Management - 04
12. Social Work - 02
13. Chartered Accountant - 03
14. Company Secretary - 02 posts

Employment Terms - Full time

Experience Requirements - : Freshers jobs

Pay band - Selected candidate will be posted on pay band INR Rs. 28150 - 55600/-.as directed by recruitment committee and as mentioned in National Bank for Agriculture and Rural Development notification

Place of Posting - Across India

Selection Process - Selection will be done according to the direction of selection committee and based on the performance in the Written Exam, Interview.

Age Criteria - Candidate age must be between 21 to 30 years as on 01-06-2017. Age relaxations will be applicable only in upper age limit as per the norms for individual posts age criteria check job advertisement.

Educational Qualification - Interested Aspirant who want to take part in NABARD recruitment process must have Bachelor’s Degree / Chartered Accountant /Cost Accountant / Company Secretary / P.G. Diploma Certificates/Degree or its equivalent Qualification from a recognized Board / University. Post wise qualification is mentioned in Qualification criteria section in notification.


How To Apply - Interested aspirant can fill online application form www.nabard.org . before or on 10-07-2017

Important dates - Last date for Online Registration of Application : 10-07-2017


NABARD Recruitment 2017 Apply Online for  17 Manager vacancy before 7th July 2017

NABARD invites application for Recruitment of 17 Manager and regarding this a job advertisement is published in www.nabard.org . and in employment news. All Interested Aspirants who want to apply for Manager opening in National Bank for Agriculture and Rural Development on 17 and have Graduation Degree can Apply Online.Candidates are advised to check all eligibility requirements such as qualification, experience, upper age limit before applying from NABARD recruitment notification summered below:-

National Bank for Agriculture and Rural Development Recruitment Notification 2017 (www.nabard.org .)

Post Name and Total No. of Vacancies - 17 posts
1. Manager (RDBS) General - 09
2. Manager (RDBS) Agriculture - 08 posts

Employment Terms - Full time

Experience Requirements - : Freshers jobs

Pay band - Selected candidate will be posted on pay band INR Rs. 35,150 - 62,400/-. .as directed by recruitment committee and as mentioned in National Bank for Agriculture and Rural Development notification

Place of Posting - Across India

Selection Process - Selection will be done according to the direction of selection committee and based on the performance in the Written Exam, Interview.

Age Criteria - Candidate age must be between 21 to 35 Years As On 01-06-2017. Age relaxations will be applicable only in upper age limit as per the norms for individual posts age criteria check job advertisement.

Educational Qualification - Interested Aspirant who want to take part in NABARD recruitment process must have Graduation Degree Certificates/Degree or its equivalent Qualification from a recognized Board / University. Post wise qualification is mentioned in Qualification criteria section in notification.


How To Apply - Interested aspirant can fill online application form www.nabard.org . before or on 07-07-2017

Important dates - Last date for Online Registration of Application : 07-07-2017


          Mapping The Potential Economic Effects Of Climate Change    
Climate scientists agree that this century is getting much warmer and that such warming will likely bring economic pain to the U.S., but economists aren't sure how much. Now, a team of scientists and economists, writing in the upcoming issue of the journal Science , says it can at least tell which parts of the country are likely to suffer the most. The researchers started with history: How have heat waves and drought affected the economy in the past? Then they applied that metric to a range of future warming scenarios — from minor to extreme — and mapped the effects, county by county across the U.S. They found that if warming continues at recent rates, it could shave 3 to 6 percentage points off of the country's gross domestic product by century's end — the warmer it gets, the bigger the hit to the economy. Lead researcher Solomon Hsiang acknowledges that the numbers are uncertain by scientific standards but that they aren't really the bottom line. "I think the takeaway message that is
          Researchers Analyze Economic Impact Of Climate Change In The U.S.   
Copyright 2017 NPR. To see more, visit ARI SHAPIRO, HOST: Climate scientists agree that the 21st century will be warmer. That warming will likely bring economic pain to the U.S., though economists aren't sure how much. Now, a research team says they can at least tell which parts of the country are likely to suffer the most. NPR's Christopher Joyce reports on their new study. CHRISTOPHER JOYCE, BYLINE: The team started with history. How have heat waves and drought affected the economy in the past? Then they applied that metric to various warming scenarios for the future, county by county. They found that if warming continues at recent rates it could shave several percentage points off the country's gross domestic product by century's end. But lead researcher Solomon Hsiang says that's not really the bottom line. SOLOMON HSIANG: I think the takeaway message that is most striking is that the effects of climate change on the U.S. are not the same everywhere. Where you are in the country
          Government Economics Flashcards   

Learning the ins and outs of government economics can be a tricky business as an adult, but when you learn these concepts at an early age, you can start to understand the inner...

The post Government Economics Flashcards appeared first on Excel Templates.


          When dad's the president — a look inside Ivanka Trump's complicated world - Washington Post   

Washington Post

When dad's the president — a look inside Ivanka Trump's complicated world
Washington Post
Ivanka Trump's office: clean, white, quiet. A zone of punctual start times and promptly-offered water bottles, and a conference table at which she conducts meetings. A short, winding walk away from her father's Oval Office downstairs. She does not ...
White House says Spanish-version website still comingThe Hill
More than 4 in 10 Trump White House staffers earn six-figure salariesCBS News
Trump Wants To Rewrite Obama's Overtime ReformsHuffPost
New York Daily News -Washington Examiner -MarketWatch -Roll Call
all 167 news articles »

          Lavoro - Guadagni e spettacoli   
Trapani TP, Italia
E potete stare comodamente a casa e guadagnare e se volete diventare soci o socio con possibilità economiche. Con competenze forti e con esperienze si organizza come promoter strutture ...possibilità di carriere varie con molta percentuale con eventualmente la possibilità a dirigere qui con assunzioni e con stage gratuiti. E si può fare con i nostri soldi e con ...
joblist.it

          Lavoro - addetto/A analisi flussi economici   
Legnaro 35020, Italia
...orari personale da programma, compilazione verbali societari, gestione visite mediche personali, gestione legge 626, gestione assunzioni personale, inserimento dati programma per automezzi, controllo e verifica scontrini gasolio e consumo mezzi, ...
kitlavoro.it

          SALT COM: Lucrari diverse de proiectare si constructii montaj   
SALT COM Slobozia este o firma specializata in lucrari diverse de proiectare si constructii montaj: constructii si modernizari sedii pentru institutii publice, spatii de depozitare pentru agenti economici, lucrari de aparare impotriva inundatiilor , sisteme de irigatii, constructii de locuinte etc. Societatea dispune de personal tehnic, economic si administrativ calificat si responsabili tehnici autorizati care …

Citeste in continuare »

          Manifiesto ‘En defensa de los derechos fundamentales en Internet’   
Es increíble que los intereses de la industria estén por encima de los ciudadanos, así que subscribo palabra por palabra el Manifiesto ‘En defensa de los derechos fundamentales en Internet’ que copio a continuación: Ante la inclusión en el Anteproyecto de Ley de Economía sostenible de modificaciones legislativas que afectan al libre ejercicio de las […]
          El veto migratorio de Trump impide a un equipo femenino de robótica afgano competir en un concurso   

El veto impuesto por el presidente estadounidense, Donald Trump, a la entrada en su país de ciudadanos de seis países de mayoría musulmana --incluido Afganistán-- ha impedido que un equipo de robótica de jóvenes afganas pueda viajar a Estados Unidos para participar en un concurso internacional.


          El veto migratorio de Trump impide a un equipo femenino de robótica afgano competir en un concurso   

El veto impuesto por el presidente estadounidense, Donald Trump, a la entrada en su país de ciudadanos de seis países de mayoría musulmana --incluido Afganistán-- ha impedido que un equipo de robótica de jóvenes afganas pueda viajar a Estados Unidos para participar en un concurso internacional.


          Fiscal integration in the European Union   

Cyrille Amand argues for flexibility in the implementation of a European fiscal policy.

- Economy
          Claims Representative, Multi-Line (12 month contract) - The Economical Insurance Group - Halifax, NS   
Claims Representative, Multi-Line. Reporting to the Team Leader of the Multi-line Claims Team, the Claims Representative is accountable for the investigation,...
From The Economical Insurance Group - Wed, 28 Jun 2017 19:07:18 GMT - View all Halifax, NS jobs
          Polpettone Con Ricotta   
Alle volte un menu alternativo ed economico puo essere un'idea. Provate questa. Preparare dell carne macinata condita con sale. pepe, uova ricotta. formaggio grattugiato. stendere questo impasto sopra un foglio di carta argentata, farcirlo con della frittata o altro e arrotolarlo. cuocerlo per circa un'ora nel brodo o acqua e dado. Tagliarlo a fette e guarnirlo con della verdura da minestrone (surgelata) lessata e fatta saltare in padella con burro e panna o besciamella. Non costa molto ed &egrave buono....
          Economic Development Officer Intern - Weengushk Film Institute - M'chigeeng, ON   
Business Planning and Strategic Management. With supervision, the intern will carry out informal research to gather relevant information that will guide WFI's... $35,000 a year
From Indeed - Tue, 25 Apr 2017 14:01:28 GMT - View all M'chigeeng, ON jobs
          Cruising the Web   
For all those people who think that Trump's tweets are brilliant at reaching the public and throwing his opponents off balance or whatever other bit of analysis used to show that somehow he's playing three-dimensional chess while the rest of the world can't even set up the checker board, is this really a set of tweets that makes you proud that he's your president?




These morning tweets follow other tweets touting ones supporting policy actions by his administration and the GOP. Does he think anyone will pay attention to any of that when he's tweeting comments on a morning show's appearance and the show's ratings? It's as if he's taken a master a class on self-sabotage.

Isn't he supposed to be in the middle of trying to help a GOP repeal of Obamacare?

Remember when conservatives ridiculed Obama interview talking to GloZell, the woman who is mainly known for eating cereal while sitting in a bathub of milk or going on Between Two Ferns? Well, was any of that less respectful of the office of the presidency than such tweets? I have come to regard Trump's tweets as a verbal expression of his id. That is the level he operates at and we get a glimpse at what impulses control him through Twitter. All his advisers urging him to focus on policy and presenting an image of gravitas are the ego trying to mediate between those impulses and reality. They might win out for hours, even days sometimes, but the id is there ready to take over.

There used to be a time when Republicans claimed that character mattered in the presidency. Today...not so much.

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Canada thinks it can control the Internet.
The Supreme Court of Canada ruled against Google on Wednesday in a closely-watched intellectual property case over whether judges can apply their own country's laws to all of the Internet.

In a 7-2 decision, the court agreed a British Columbia judge had the power to issue an injunction forcing Google to scrub search results about pirated products not just in Canada, but everywhere else in the world too.

Those siding with Google, including civil liberties groups, had warned that allowing the injunction would harm free speech, setting a precedent to let any judge anywhere order a global ban on what appears on search engines. The Canadian Supreme Court, however, downplayed this objection and called Google's fears "theoretical."
Charles C. W. Cooke comments,
That amusing episode of The I.T. Crowd notwithstanding, “the Internet” is not a single black box somewhere in London, but a massively decentralized network of networks that, while conforming to a few agreed-upon technical specifications, gives new meaning to the word “diffuse.” Or, put another way, “the Internet” is a patchwork quilt of cables, satellites, switches, service providers, cell phones, desktops, laptops, web-servers, and protocols that, taken together, forms the sprawling web to which we are all so accustomed. The beauty of this arrangement is that anybody can participate. Want to be the next Facebook? To start with, at least, all you’ll need is a domain name, an internet connection, and a computer, and . . . that’s it. Though there are certain breakpoints (IP allocation, root DNS, etc.), there is no central permission structure that newcomers have to navigate. It’s open. It’s wild. It’s wonderful.

Now, this is not to say that censorship is impossible. It’s not. If a government wishes to block access to a particular site within the physical borders over which it has jurisdiction, it can do so. Likewise, websites and services that contradict local law can be legally removed, and, if it so wishes, a government can demand that any organization operating on a network within its borders must conform to its rules. What it can’t do, however, is export those judgments abroad.

Suppose that I, a permanent resident of the United States, were to host a website that contained speech that was banned in, say, Germany. Certainly, the German authorities could prevent Germans from seeing my site. And, if anyone chose to mirror my site on server inside Germany, they could shut that person down quite quickly. But they couldn’t have me shut down in America, and they couldn’t prevent people in other countries from accessing my site over the web. My server would be in America, connected to a network in America, subject to the law in America, and guaranteed the protections to which Americans are entitled. The German government, annoyed as it might be, would have to accept that....

And that, ultimately, is why the Canadian Court’s decision is so hilarious. I understand why people are worried about the idea — if taken seriously, it would give any less-free-than-America country an effective veto over the First Amendment. But they shouldn’t fret too much: The judges can say what they like, but their edict is simply unenforceable. If it wishes to do so, the government of Canada can prevail upon Google to abide by its rules within Canada. In addition, it can regulate the web in Canada to prevent access to sites it dislike. But it can’t force Google in America or France or Australia or Singapore to do a single goddamned thing. And thank goodness for that, eh?
I hope that he is correct, but we've seen the EU slapping a $2.7 billion fine on Google because the EU thinks it violates antitrust for Google to promote Google Shopping sites over other shopping sites. I'm not sure what there is about a FREE service like Google that the Europeans don't understand. Are European citizens actually hurt by Google giving them a free shopping search engine and then putting their items at the top? Would they prefer to pay for their search engines? Please, just keep your hands off Google. As more countries try and figure out ways to make money off of fining Google, they should consider the unintended consequences.
“The EU has effectively decided that some companies have become too big to innovate,” Robert Atkinson, president of the Information Technology and Innovation Foundation, a Washington-based think tank, said in a statement following the Google Shopping decision. “The EU’s actions have created a cloud of uncertainty that will make large tech companies overly cautious about making changes to the user experience and service offerings that would benefit consumers.”

Jonathan Tobin applies Occam's Razor
to explain why Obama didn't do more about Russia's attempts to interfere in our election last year.
But the real problem here is not so much Barack Obama’s failure to act as the most plausible reason for his inaction: Vladimir Putin’s capers didn’t impact the election results.
Despite the efforts by Democrats to blame Russia for Hillary Clinton's loss and their frustration that Obama didn't do more about it, there really is no evidence that the WikiLeaks revelations from John Podesta's emails had any effect on the course of the election.
But there’s a simpler, even more plausible explanation for Obama’s inaction: The president saw that the hacking was having almost no impact on the course of the campaign and thus wasn’t going to mess with the results. Far from the crime of the century, it was, at worst, a minor annoyance to Clinton that Obama obviously felt didn’t warrant a major dustup with Putin.

It’s true that Russia’s actions were outrageous and deserved a strong US response, both then and now. It can also be argued that the public had a right to know about it. But it was only after Clinton lost and she and her supporters began searching for excuses that Russia’s actions were considered an important factor in the outcome.

While Putin was way out of line, the impact of the WikiLeaks document dumps on Clinton’s candidacy was marginal at best.

The contents of the Democratic National Committee e-mails were embarrassing to Podesta and then-DNC chair Debbie Wasserman Schultz, who wound up losing her job after proof of DNC collusion with Clinton against Bernie Sanders was produced. But there was almost nothing in those documents that related directly to Clinton, let alone being enough to influence voters.

Every WikiLeaks story was also almost immediately overshadowed by other, more damaging gaffes or revelations about Trump, such as his attack on a Gold Star family or the release of the infamous “Access Hollywood” tape. Nothing the Russians did matched the damage done by either of those Trump disasters.
Instead of looking for some external events or action, just admit that Hillary was a lousy candidate. That should actually be comforting to the Democrats. With such a compromised candidate whom so many Americans just never liked, they still won the popular vote and came really close to winning the states that put Trump over the top. If they can pick a better candidate in 2020, and can make an appeal for the voters they lost in the Rust Belt, chances are pretty strong that they'll win that year. They should be more concerned about forging a message that doesn't repel independents and those voters they lost in 2016. That's their real challenge and focusing all the time on Russia, Russia, Russia won't help them achieve that goal.


Good to know.
Tell your friendly environmentalist activist. But they're not really interested.
The benefits of fracking far outweigh its costs not only economically, but environmentally, a Stanford University geophysicist said Friday.

After teaching geophysics at Stanford for 30 years Mark Zoback took the helm of Stanford's new Natural Gas Initiative three years ago, he said, because of gas's environmental benefits.

"We did it because there were so many important and obvious environmental benefits to the utilization of natural gas," Zoback said. "So it’s somewhat ironic to be asked to argue for the notion that these benefits outweigh the environmental costs, when it’s the environmental benefits that got me into this business in the first place."

Zoback's remarks opened the annual debate at Stanford's Silicon Valley Energy Summit, and were swiftly challenged by representatives of the Sierra Club and the Natural Resources Defense Counci
Zoback argued that natural gas can replace coal and "dirty diesel" at significant scale throughout the world, supporting economic growth while slashing carbon emissions. (When burned, natural gas emits about half the CO2 that coal does).

The Senate has some really dumb rules. And the minority party can use them to slow everything down to a standstill. Chuck Schumer is taking advantage of every tool that the rules provide.
Senate Minority Leader Chuck Schumer used an upper chamber procedure Wednesday to block a national security briefing hosted by the Senate Judiciary Committee, irritating Judiciary Chairman Chuck Grassley.

The rule that Schumer had invoked, which he has been exercising the use of over the past two weeks, blocks Senate committee business from happening two hours after the Senate convenes session for the day. Schumer has consistently used the procedure as a way to delay business in Senate to make demands on Republicans on the health care bill.

The rarely-used tactic has cut short a committee hearing on free speech, stopped a hearing on Russian meddling in the U.S. elections and blocked a mark-up to advance bipartisan anti-human trafficking legislation....

Grassley had sent a joint letter with subcommittee judiciary chairman Lindsey Graham to the FBI Tuesday requesting all documents related to the FBI FISA surveillance requests on the Russia investigation.

“Today, the Judiciary Committee was set to hear from senior intelligence officials about highly sensitive intelligence gathering authorities that will soon require action from Congress. It’s disturbing and reckless for the Minority Leader to block the briefing. We’ve seen too many recent reminders of how unsafe the world is today. This is no time to play politics with our national security,” he said.
If they could use the nuclear option to get rid of a much more prominent rule concerning filibusters of Supreme Court nominees, why not use it to get rid of this stupid rule. If it's a "rarely-used tactic," no one except the angry members of the minority party will miss it.


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I had so much fun last night. I'm visiting my daughters in D.C. and we went to the Nats-Cubs game. I haven't seen a live baseball game in about 50 years since I was a kid and we'd go to the Cubs games. So I scheduled my trip to catch the game. After falling behind in the seventh inning, I thought it was pretty hopeless for the Cubs based on the way they've been playing this year. But they rallied in the ninth inning to go ahead on a triple by Jon Jay. It was so exciting and I could celebrate with all the other Cubs fans in the stadium including a cute little girl, about 10 years old, sitting with her family of Cubs fans in front of me who told her parents that John Jay had written five of the Federalist Papers. Exactly right and the Cubs' Jon Jay was a hero tonight. Go Federalists!


What a blast! And then as walked out of the stadium and came back on the Metro and hear all the Nationals fans complaining about the Nationals' bullpen. Eh, they're still doing well. I'm just hoping that the Cubs are recovering their mojo. At least their closer, Wade Davis, another historically relevant name on the Cubs roster


          L'économie chinoise   

22€

Revue (broché). Paru en 06/2017

L'économie chinoise


Collectif

Ralentissement chinois : vers une crise ou un rééquilibrage ?
Jean-Raphaël Chaponnière
Ce printemps 2017, on a pu lire à plusieurs reprises des commentaires assez optimistes sur le regain d’activité en Chine, où la croissance économique annuelle flirte de nouveau avec les 7 %. Pour autant, les trois dernières années ont plutôt été celles du ralentissement de l’économie chinoise qui, après avoir bien résisté à la crise mondiale de la fin des années 2000, a marqué le pas. Quelles sont réellement les perspectives d’évolution de l’économie chinoise à moyen et long termes ?
Au-delà des annonces conjoncturelles, Jean-Raphaël Chaponnière propose ici un regard rétrospectif sur le retour de la Chine dans l’économie mondiale, son adaptation à l’économie de marché, les moteurs de sa croissance (main-d’œuvre, consommation, investissement) et les limites auxquelles ces moteurs sont aujourd’hui confrontés. Il montre comment la Chine a fait face à la crise, répondant au ralentissement de son activité par un certain nombre de rééquilibrages (vers son marché intérieur, notamment) et une transformation de sa structure de production. Jean-Raphaël Chaponnière présente enfin, en s’appuyant sur diverses analyses disponibles et un certain nombre de constats ou faits récemment observés, les perspectives d’évolution possible de l’économie chinoise : comment les différents moteurs de son activité économique peuvent-ils se comporter ? Connaîtra-t-elle une crise financière et quelles pourraient en être les conséquences ? Deviendra-t-elle la première puissance mondiale et selon quel modèle ?
Pour moderniser l’action publique. Les leviers du changement social
Marjorie Jouen
Depuis quelques années, l’action publique est amenée à s’adapter à un certain nombre d’évolutions dans les usages et les demandes des bénéficiaires de ses services. S’appuyant sur de nouvelles méthodes et innovations sociales, ce mouvement de modernisation semble plutôt bien engagé en France. En revanche, lorsqu’il s’agit de transformer l’action publique parce que certaines pratiques ou certains services ne répondent plus à l’intérêt général ou sont devenus néfastes pour la collectivité, l’État semble éprouver plus de difficulté à s’adapter, souligne ici Marjorie Jouen. Pourtant, l’analyse des transformations sociales et des moteurs à l’origine de ces transformations offre de nouvelles opportunités aux acteurs publics en vue de moderniser leur action. Après avoir présenté les différentes motivations et les leviers du changement social, Marjorie Jouen montre comment ces outils pourraient être transposés au service de la modernisation de l’action publique, afin d’en améliorer l’efficacité et de développer les instruments permettant de répondre concrètement aux objectifs visés.
Les comportements, levier de la transition écologique ? Comprendre et influencer les comportements individuels et les dynamiques collectives
Solange Martin et Albane Gaspard
La mise en œuvre de la transition écologique — qui consiste principalement à réduire fortement les consommations d’énergie et de matières premières dans nos sociétés — nécessite, au-delà des politiques en énonçant les grands axes, de substantiels changements à l’échelle collective, mais aussi, bien évidemment, à l’échelle individuelle. Or, si le principe de s’engager sur la voie de la transition fait en général consensus, lorsqu’il s’agit de faire évoluer nos usages et pratiques, les choses se compliquent. Peut-on — et comment — agir sur les comportements individuels et sur les dynamiques collectives, en particulier dans cette optique de transition écologique ?
Solange Martin et Albane Gaspard se sont penchées sur cette question pour le compte de l’ADEME et nous livrent ici le fruit de leur travail. Elles soulignent l’apport des sciences sociales et humaines pour comprendre les comportements à l’échelle individuelle et dans leur dimension collective, et présentent différentes voies d’actions possibles pour les infléchir. Mais compte tenu des intrications entre les différentes échelles, il est essentiel, pour agir efficacement sur les comportements, de combiner les approches, les outils et les acteurs, et de bien analyser et comprendre les pratiques sociales avant la mise en œuvre de projets ou mesures politiques.
Technique et société : l’irrésistible évolution
Thierry Gaudin
Le mois de mai 2017 a été marqué par une cyberattaque d’ampleur internationale qui a touché à la fois des entreprises, des organisations publiques, etc., et montré la grande vulnérabilité de nos contemporains au système technique actuel. Le rapport de l’homme à la technique est un élément structurant de notre civilisation, et ce depuis des siècles sinon des millénaires. Néanmoins, les progrès fulgurants auxquels nous assistons depuis le milieu du XXe siècle en matière scientifique et technique, ainsi que l’élargissement de leur champ d’action aux communications, aux relations humaines, voire au corps humain lui-même, suscitent de plus en plus de questionnements. D’où l’intérêt de l’analyse ici proposée par Thierry Gaudin sur les relations technique / société dans une optique de long terme : que nous dit le passé de ces relations et de la façon dont s’élabore et se diffuse la culture technique ? Quels ont été et quels sont aujourd’hui les moteurs du progrès technique, et que révèlent-ils de nos organisations humaines ? Comment envisager l’évolution à venir du progrès technique, qui repose désormais plus sur les multinationales de l’information que sur les États, et dont le ressort principal consiste en la manipulation des esprits ? Dans un tel contexte, sommes-nous irrémédiablement condamnés à suivre l’évolution du système technique, ou reste-t-il des voies de sortie « par le haut », pour la société, de ce système qui bouscule les échanges économiques et les relations humaines ?
Les compétences de l’Union européenne. Perceptions et réalités
Gabriel Arnoux
Les récentes élections présidentielles en France ont confirmé l’incompréhension et le rejet de nombre de citoyens vis-à-vis des politiques menées depuis plusieurs décennies, mais aussi des dirigeants en charge de ces politiques. Elles ont aussi rappelé la méfiance sinon le rejet de ces mêmes citoyens à l’égard de l’Union européenne, souvent prompte à être élevée en bouc émissaire des problèmes nationaux. Pourtant, comme le montre cet article de Gabriel Arnoux, ce rejet de l’Europe repose sur une méconnaissance — très souvent entretenue par les gouvernements nationaux — des compétences effectives de l’Union européenne.
En effet, il existe une réelle différence entre la perception qu’ont bon nombre de citoyens européens du rôle de l’Union dans l’orientation et la détermination des politiques nationales, et la réalité de ce rôle. Les compétences exclusives de l’Union européenne sont en fait assez limitées (respect de la concurrence, monnaie, politique douanière et commerciale, principalement) et dans la plupart des domaines, l’Union n’intervient qu’en appui aux États ou en collaboration avec eux. Cette clarification des compétences réelles de l’Union européenne est primordiale car la Commission vient d’engager une réflexion sur l’avenir de l’Europe, sur la base de cinq scénarios visant à déterminer comment pourraient évoluer l’Union et les compétences qui sont les siennes. Mais également parce que le flou entretenu autour des compétences et responsabilités effectives des institutions européennes et nationales est révélateur d’un malaise plus général quant à la manière dont sont présentées et évaluées les politiques publiques, qui contribue aussi pour une grande part à la désaffection des citoyens à l’égard du politique.
Le Royaume-(dés)Uni et ses frontières
Jean-François Drevet
Dans la foulée du référendum britannique de juin 2016 ayant donné une majorité de voix en faveur du Brexit, l’article 50 du traité sur l’Union européenne (UE) a été déclenché le 29 mars 2017 en vue d’organiser le départ du Royaume-Uni de l’UE. Londres et les 27 autres pays membres de l’Union disposent de deux ans pour préparer la sortie effective du Royaume-Uni. Au-delà de ses conséquences économiques et sociales, régulièrement évoquées et commentées, le Brexit pourrait aussi déboucher sur un retour de la conflictualité en Europe, comme le souligne cette tribune de Jean-François Drevet. Car si l’un des paris les mieux tenus par l’UE depuis sa création est sans conteste la préservation de la paix sur le continent européen, il ne concerne pas seulement les relations entre les États membres fondateurs (à commencer par la France, l’Italie et l’Allemagne), mais également le règlement de plusieurs différends territoriaux impliquant le Royaume-Uni dans sa structure plurinationale et dans ses relations avec d’autres États européens. La mise en œuvre du Brexit pourrait réveiller un certain nombre de ces conflits que l’UE avait permis d’apaiser, en particulier à Chypre, Gibraltar ou en Irlande du Nord. C’est ce que montre cette tribune, et c’est aussi ce que les négociateurs britanniques et européens doivent garder à l’esprit lors de l’établissement des modalités de sortie du Royaume-Uni.



          Strohalm   

In een interview over de eventuele omzetting van Obamacare zei Trump deze week dat hij direct het ene systeem zou vervangen door het andere, zonder een vacuüm te laten ontstaan waarin mensen even niet verzekerd waren. "We can do that" beloofde de president-elect. Wat hij absoluut niet kan is overnight een nieuwe economie introduceren. Dat

Het bericht Strohalm verscheen eerst op Marieke van der Werf.


          Is Trump driving Canada's rising internationalisation?   
Many believe that this is Canada's moment - an opportunity to increase the inflow of international talent into Canadian higher education. Politics and economics have been part of this narrative.
...
          Continent risks fading from digital knowledge economy   
The rapid growth of internet use on the African continent has sparked hopes for the democratisation of knowledge production, but recent research suggests that connectivity is not enough to boost A ...
          Un apicultor berciano participará en el proyecto ‘Miel para Santo Tomé’ para formar en la materia a la gente del país africano   
La iniciativa pretende dejar una infraestructura suficiente para, dentro de unos años, exportar productos de la colmena y ayudar a mejorar la economía del país.
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          Normalization Ideas Weigh on Greenback   

A virus has spread across the markets as the first half drew to a close.  Many investors have become giddy.   The low vol environment was punctuated by ideas that peak in monetary accommodation is past and that the gradual process of normalization is beginning.   Some investors may be exaggerating how soon the Bank of England and the European Central Bank will raise interest rates, but there seems to be little doubt about the direction of policy going forward.  

It is not just the ECB and BOE.  The Bank of Canada meets on July 12, and the market is pricing in around a 75% chance of a hike.  The Reserve Bank of Australia and Sweden's Riksbank meets in the week ahead, and they too will likely embrace the prospects of normalization.    Ironically, it is only the US, which has seen core CPI and core PCE move lower for four consecutive months that the market doubts.   Using either the Fed funds futures or the OIS market, it appears that less than a 50% chance of hike before the end of the year is discounted

The BOJ is the other exception.  It has refrained from discussing an exit strategy.  Its core inflation rose 0.4% in May.  The target is 2%.  The core rate includes energy.  If energy is excluded as well, prices in Japan are flat year-over-year, while overall household spending contracted for 15-months year-over-year throughMay.   With the collective wisdom of the markets judging the Fed and BOJ will lag behind the other central banks in the period ahead, the dollar and yen were the poorest performing major currencies last week and for the month of June.  

The Dollar Index slumped 1.6% in the last week of June. This offsets the minor gains it had recorded earlier in the month.  The 1..3% decline for the month is the fourth consecutive losing month since the December 2010-April 2011 period.  The 4.7% loss in Q2 is the largest since Q3 10.  Although it is below its lower Bollinger Band (95.73), the other technical indicators are not over-extended, nor showing divergences.  The next target is near 94.30.  Below there, chart support ahead of last year's low a little below 92.00 is sparse.  

The euro broke out of the $1.11-$1.13 range, which we suggested, points to a test on $1.15 and then last year's high near $1.1615.  The 2015 high was recordednear $1.1715.   We note that the $1.1735 area also corresponds to a 38.2% retracement of the euro's decline from May 2014 (~$1.40) to the low at the start of the year  (~$1.0340).

The dollar stalled against the yen after approaching JPY113.00.  A small shelf has been built around JPY111.80, which is also where the 200-day moving average is found.    Technical indicators warn that the dollar's upside may become more difficult.   The 100-day moving average (~JPY111.20) is an obvious target, below which lies a band of support in the JPY110.40-JPY110.80.  

The prospects of the BOE removing accommodation, which it began with the raising the capital buffer, sent sterling for seven consecutive sessions through June 20 before profit-taking was seen after sterlingapproached the high for the year above $1.30.    Technical indicators are still supportive.  The $1.3055 area represents the 38.2% retracement of sterling fall from the referendum high of $1.50.  If this area is convincingly taken out, there is not much on the charts before $1.3400.  

Of the various central banks that investors are thinking are preparing to normalize policy, the Bank of Canada strikes us as the most credible.  The Bank of Canada has prepared the markets.  The recovery of the Senior Loan Officer survey after a couple of quarters of weakness seems to be the last key piece to fall into place.  On July 7, Canada reports its June jobs data.  Given the recent strength of the labor market, including rising wages, it will take a significant downside shock to deter the rate hike.  

The technical indicators are getting stretched, but there is no divergence at hand.  As the US dollar has fallen to new nine-month lows, it has built a head of steam.  It fell every session in the last week of June for more than a 2% decline and a nearly 4% decline for the month.  The next major support area is seen in the CAD1.2760 area.   A move above CAD1.3050 would be the first sign of consolidative/corrective phase.  

The Australian dollar culminated its recent rally by poking through $0.7700 briefly before the weekend.  It reached its best level in three months.    The Reserve Bank of Australia meets in early July, and although it is unlikely to change rates,  it is likely to dampen lingering ideas that a rate cut may still be delivered.  The central bank may not like the currency appreciation, but on a trade-weighted basis, it is several percentage points lower than it was the last time it was around $0.7700.    Also with iron ore prices rallying 20% over the past couple of weeks, the terms of trade have improved.  Initial support is seen in the $0.7620-$0.7640 area.  

The taper tantrum sparked in Europe managed to do for US yields what economic data and the Federal Reserve were unable to do--steepen the yield curve.  The two-year yield rose three basis points in the last week of June, while the 10-year yield rose 17 bp.  The backing up of the long-end was the most in a week since the first week in March.  The yield has entered the  2.30%-2.35% band that may take some time to work through the supply.  The September note futures peaked on June 14 and spent the second half of the month moving lower, effectively unwinding what it had gained in the first couple of weeks of June.  The 125-08-125-15 area houses retracement objectives and other chart points.   Bearish divergences in the technical indicators and the extreme market positioning provides scope for additional declines in prices (higher yields).  

Oil prices rose every day last week, extending its advance to seven consecutive sessions,  the longest such streak since last September-October.   The rally has approached the 38.2% retracement of the sharp decline (~$46 basis the August futures contract).  The technical tone looks constructive and there is near-term potential into the $47-$48 band.  Support now is seen near $44.50.

Although the S&P 500 had a difficult week, having to cope with the rise in yields and the failure of the Senate to pass healthcare reform, which raises questions about the broader economic agenda, it managed to close higher on the month.  It is the seventh monthly gain over the past eight months.    It is the seventh consecutive quarterly advance.  In fact, since the beginning of 2013, there have only been two quarterly declines in the S&P 500 (Q2-Q3 15).    Many investors still seem inclined to buy pullbacks.  A break of 2400, though, would be a test of this sentiment.  Over the past week, the Russell 1000 Growth Index (RLG) fell 1.5%, while the Russell 1000 Value Index (RLV) rose 0.35%.  On the month, RLG fell 0.4%, snapping a seven-month advance, while the RLV rose 1.5%, breaking a three-month down draft. 





Disclaimer




 





          Cine: "Viene la noche" Un dilema    
Viene la noche. Titulo original: It Comes at Night. Guion y Dirección: Trey Edward Shults. Fotografía: Drew Daniels. Sonido: Kris Fenske. Edición:  Matthew Hannam / Edwards Shults. Reparto: Joel Edgerton,  Riley Keough,  Christopher Abbott,  Carmen Ejogo, Kelvin Harrison Jr.,  Griffin Robert Faulkner. Estados Unidos. 2017. 97 minutos.
“Viene de noche” es una película de terror, una historia sobre la muerte, el miedo y el arrepentimiento. Paul (Joel Edgerton) es un padre que vive en una casa de madera, abandonada, con su esposa Sarah (Carmen Ejogo). Ambos están siempre armados  y vigilantes.  Travis(Kelvin Harrison Jr.) de 17 años es hijo de ese matrimonio. Paul tiene un único propósito: hacer lo imposible para  proteger a su familia de una presencia enfermante, que les atemoriza desde el exterior, un contagioso  virus que  acaba con buena parte de la población mundial.   Su confianza se pone a prueba cuando otra familia desesperada, con una criatura pequeña,  les pide asilo. Primero llegará  Will (Christopher Abbott). Paul logra capturarlo e interrogarlo. Will  es un hombre que sólo quiere proteger a su esposa e hijo. Busca agua ya que alimentos tiene. Es el cuadro de dos familias diferentes: una de clase media,  suburbana  y arraigada a su ruralidad y, otra,  liberal, itinerante, cariñosos con su hijo pequeño y huyendo del caos neoyorquino.
A pesar de las mejores intenciones  la paranoia y la desconfianza florecen mientras los horrores se acercan. Todos tienen una consigna que deben respetar a rajatablas: nunca salir de noche (por temor a que la infección y la muerte toquen la puerta). Es una referencia a la salvaguarda de la familia, la tolerancia cero y el miedo al otro (cualquier asociación con la realidad es mera coincidencia). Tal vez, si el ojo fuese demasiado obsesivo, no es sino un paralelo con la situación en Estados Unidos bajo la era Trump,  con sus temores a  la contaminación cultural o física,  algo parecido a lo que  se vive en el mundo con el fenómeno de los migrantes.
Desde la primera escena, Paul y Travis salen de la casa, con una máscara de oxígeno. Sacan al abuelo de Travis de la casa. Está enfermo. Caminan por un sendero donde ya se cavó una fosa. Ahí se dejará a ese pedazo de historia, quemándolo y enterrando sus restos.
Las imágenes captadas por el director de fotografía Drew Daniels (Krisha, 2015), son magníficas. Basándose en la oscuridad, no pocas veces solo vemos luz proveniente de una linterna de bolsillo colocada en el extremo de una pistola, creando mayor incertidumbre. Pero no es solo la fotografía sino, también, el diseño de producción, efectos de sonido y banda sonora, los elementos que se utilizan para mostrar al torturado Travis por el miedo que es  peor que la muerte.
Travis es una persona en proceso de aprendizaje. Observa las señales de los que lo rodean, incluido su propio padre. Sus  luchas  son pesadillas confirmadas por la advertencia que “no se puede confiar en nadie más que en la familia”. Edgerton se esfuerza por ser buen marido, padre y modelo para su hijo pero, cuando  Travis cuestiona  su poder, y la presencia de Will y Kim socavan ese territorio, a Paul le invade la paranoia.
Shults optó por no revelar toda la historia; no sabemos qué le ocurrió a la sociedad  y a las víctimas.  Y ahí está la pintura de  Brueghel que puede dar una respuesta. “El Triunfo de la Muerte”  retrata la peste de 1562. Ese cuadro aparece al principio de la película como  presagio.

Shults comenzó a escribir el guion en 2014. Durante ese tiempo perdió a su padre adicto, del que estaba distanciado. Ahí comienza a investigar las relaciones  padres - hijos. Fue rodada en el Estado de Nueva York,  en Byrdcliffe cerca de Woodstock. Escritor, director y coeditor  hizo su debut cinematográfico con  KRISHA.   Previo a la versión largometraje,  hizo un corto con el mismo nombre. Demostró  talento  para crear tensiones y economía en los diálogos. Es su segundo largo. Contó con un presupuesto de poco más de dos millones de euros. Desde  su estreno en Estados Unidos ya recaudó varias veces la inversión. En  2016 el “estudio A24” obtuvo  resultados auspiciosos  con “The Witch” y “Moonlight”. Ese complejo hace su aporte a “Viene de Noche”  considerada, desde su estreno, “un clásico instantáneo del cine de terror”.

          Wilmington’s future City Council member discusses importance of STEM   

By Rysheema Dixon – May 23rd, 2016 STEM is crucial to growing our economy. Building the STEM infrastructure in the State and in our local communities exposes our students and residents to the booming STEM climate affecting our neighborhoods everyday. Changing the school environment and learning techniques to expand our student’s minds so they can gain interest in the exciting...

The post Wilmington’s future City Council member discusses importance of STEM appeared first on Rysheema Dixon.


          Equitalia chiude: cosa cambia per cartelle esattoriali, multe e rottamazione 2017. App in arrivo e misure ufficiali   

Adesso non ci sono più dubbi, Equitalia chiude. La società da molti indicata come il simbolo del fisco vessatorio non c’è più e al suo posto arriva la nuova Agenzia delle Entrate-Riscossioni. Gli sportelli rimangono gli stessi, anche se cambiano il logo e i moduli per ogni tipo di pratica. Da subito però arriva una […]

The post Equitalia chiude: cosa cambia per cartelle esattoriali, multe e rottamazione 2017. App in arrivo e misure ufficiali appeared first on TechPost.it.


          Cambiare operatore online e senza penali, selfie e telefonate pubblicitarie: nuove regole Concorrenza 2017   

Anche selfie sponsorizzati e pubblicità su Internet camuffata finiscono nel campo d’azione del disegno di legge Concorrenza 2017. Un ordine del giorno impegna infatti il governo Gentiloni a intervenire a livello legislativo «affinché l’attività dei web influencer sia regolata». Il provvedimento, che può ora tornare al Senato per la quarta lettura dopo aver incassato il via […]

The post Cambiare operatore online e senza penali, selfie e telefonate pubblicitarie: nuove regole Concorrenza 2017 appeared first on TechPost.it.


          India launches tax revolution amid business doubts   

India launches tax revolution amid business doubtsIndia on Saturday launched its biggest ever fiscal reform with the government promising that a new nationwide tax would make the economy stronger and less corrupt, but businesses are nervous about the revolution. The new goods and services tax (GST) replaces more than a dozen levies imposed nationally and by the 29 states. Prime Minister Narendra Modi held a special midnight session of parliament to launch GST which he called "a good and simple tax".



          Fluxo de dados terá grande impacto na economia mundial   

big data

Na era digital, dados, metadados, sejam eles pessoais ou não, são as novas matérias-primas da economia. Coletá-los, minerá-los, transformá-los em informações úteis, nos vários campos da ciência, da economia, da vida cotidiana, gerarão as cadeias de valor do futuro.

Os exemplos são muitos e já onipresentes na nossa vida. Metadados oriundos de milhares de carros, por exemplo, como localização e velocidade permitem aos motoristas aperfeiçoarem seus trajetos e melhoram o fluxo do tráfego nas grandes cidades.

O livre fluxo de dados permite e permitirá ao Brasil acessar e continuar acessando, desenvolvendo e exportando tecnologias e serviços de ponta, colocando o país nas novas cadeias de valor mundiais, não só no mercado global de Tecnologia da Informação e Comunicação, mas em todas as atividades econômicas.

A inovação e a competitividade das empresas brasileiras dependem cada vez mais do livre fluxo de dados, que tem o processo construído em cima de uma ampla e complexa arquitetura global que coleta, armazena, trata e transfere dados globalmente. 

Discute-se no Brasil o sério problema da Privacidade dos Dados Pessoais, e o Brasil tem que fazer algumas escolhas.

As mesmas pessoas que pedem mais privacidade divulgam toda a sua vida pessoal nas redes sociais, não querem que seu smartphone colete dados da sua localização geográfica, mas, em seguida, quando estão no trânsito, pedem a ajuda de aplicativos que dependem justamente dessas informações.

Privacidade depende de vários fatores, o primeiro é a transparência de quem está coletando os dados: precisa estar claro no “contrato” entre o usuário e as empresas quais dados estão sendo coletados e com quem serão compartilhados.

O segundo é a segurança dos dados, que vai desde a coleta, armazenamento e compartilhamento. A empresa que coleta os dados precisa estar em conformidade com regulações nacionais, mundiais e mesmo privadas, como o PCI, que é a Norma Mundial Privada para a coleta e armazenamento de dados de Cartões de Crédito.

A privacidade, antes de tudo, visa limitar a possibilidade do roubo de identidade, depois proteger a intimidade das pessoas.

A maior parte dos casos que aconteceram no Brasil tem origem nas próprias “vítimas”, que se deixaram flagrar em momentos de intimidade ou descortinaram sua localização e atividade presente e futura em sites de mídia social.

No Brasil, o número de identificação mais importante para o cidadão, o CPF, está exposto, não criptografado, não mascarado, na internet. A falta de norma brasileira sobre a proteção de dados prejudica o cumprimento de qualquer outra norma de privacidade que venha a ser adotada.

Dito isto, voltamos à inserção do Brasil no fluxo mundial de dados, cuja restrição sem critérios objetivos enfraquecerá o setor produtivo no que diz respeito à inovação e competividade.

Restrições brasileiras ao fluxo de dados, pelo princípio da reciprocidade, gerarão restrições de outros países ao mesmo fluxo. 

Um exemplo disso é como será afetada a “computação em nuvem”, serviço de processamento e armazenamento de dados oferecido por acesso remoto, que se passa em escala global. Só a nuvem consegue escalar muito rapidamente as necessidades de armazenagem e potência de computação a preço baixo. 

Um exemplo é o processamento de notas fiscais, em que um dos associados ABES (Associação Brasileira das Empresas de Software), que processa 500 mil notas por dia, teve a grata surpresa de, no Black Friday, ver sua demanda atingir 2 milhões de notas fiscais no dia, e a infraestrutura de computação em nuvem acompanhar instantaneamente esse aumento de demanda.

Os serviços públicos também terão interferência direta, pois a limitação do fluxo de dados também pode prejudicar a inovação e a melhoria de oferta. Nessa categoria podemos encaixar aplicativos como Uber, Waze, Google, que dependem do compartilhamento e tratamento de dados.

Estudo feito pelo European Centre For International Political Economy (ECIPE) estima que essa alteração na dinâmica do fluxo de dados poderia reduzir o crescimento do PIB global em até 2%. Já no plano local, tem potencial de diminuir o PIB do Brasil em cerca de 1%, surtindo efeito direto nos setores que dependem desse livre fluxo.

No que diz respeito ao desempenho econômico nacional, outro impacto ocorrerá na exportação de serviços de TIC, que gerou cerca de US$ 2 bilhões em 2016, de acordo com dados do Banco Central. 

Uma das discussões atuais no Brasil é se a nossa legislação deve se aproximar da adotada pela União Europeia, que limita o livre fluxo de dados pessoais a países que adotam a norma europeia ou da americana, com muito menos regulações e entraves. 

A escolha da estratégia correta é fundamental para o Brasil. 

Os EUA são hoje o maior parceiro comercial do Brasil, responsáveis por 46,8% da compra de serviços e aplicações tecnológicas. Uma possível solução seria as adoções de cláusulas padrão mínimas, que nos permitam continuar operando com os EUA e, ao mesmo tempo, abrir as portas do mercado europeu.

Defender a manutenção do livre fluxo de dados significa seguir no caminho do desenvolvimento sustentável global, baseado na economia de serviços, geradora de riqueza e prosperidade para os povos. Nesse contexto, o estímulo de boas práticas para a proteção de dados pessoais, transparência e segurança, deve ser objeto de esforços multilaterais ou pluriregionais.

A ABES começou a iniciativa Brasil Pais Digital justamente para discutir esse e outros assuntos de interesse da economia digital, à qual aderiram muitas entidades da sociedade civil e que explica, em termos não técnicos, para a população em geral, os grandes dilemas tecnológicos pelo qual passamos: www.BrasilPaisDigital.com.br


          Bitcoin's 'bubble' is unlike anything we've ever seen   

There are still some question marks about whether bitcoin is in a bubble. But the speed of its price growth is already nearly unmatched.

The cryptocurrency has surged 162% in very volatile trading this year amid continued demand. But as the chart below illustrates, bitcoin's longer-term rally by as much as 1,000% was swifter than homebuilder stocks in the lead up to the housing crash. 

Jeffrey Kleintop, the chief global investment strategist at Charles Schwab, said that "the 10-year buildup is important to how embedded the bubble becomes and how much impact the bursting has on the economy and markets."

In other words, this is simply unprecedented. But arguably, a bitcoin crash probably won't have the same ripple effect on the economy as some other assets would. 

Billionaire Marc Cuban is among those who have said bitcoin prices are in a bubble. "When everyone is bragging about how easy they are making $=bubble," he tweeted

Ethereum, another cryptocurrency, is up by more than 3,000% this year

 

SEE ALSO: Millennials are flocking towards some of the most speculative ways to invest

DON'T MISS: PRESENTING: The most important charts in the world from the brightest minds on Wall Street

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NOW WATCH: An economist explains what could happen if Trump pulls the US out of NAFTA


          Warren Buffett is now the largest owner of 2 of the world's biggest banks (BAC, JPM, WFC, GS)   

warren buffett

Warren Buffett's Berkshire Hathaway is now the biggest owner of two of the world's largest banks: Bank of America and Wells Fargo.

On Wednesday, the Federal Reserve cleared the way for Buffett to become Bank of America's largest shareholder.

It passed all the big banks on their so-called stress tests, giving them permission to use their capital for things beyond buffering against disaster, including share buybacks and dividend payments.

Bank of America raised its dividend to $0.12 a common share.

That made it compelling for Berkshire to convert its preferred shares into common stock, giving it shareholder ownership, and earning as much as $12 billion in profit. Berkshire announced on Friday that it would exercise its warrants to buy 700 million common shares of Bank of America, the third-largest US bank by market cap, instead of waiting until just before their expiry in 2021.

In a statement, the bank said it welcomed Buffett's decision.

With $2.19 trillion in assets, Bank of America ranked ninth in the world, according to an S&P Global Market Intelligence ranking released in April.

Buffett's initial investment in the bank dating back to 2011 was a thumbs-up of sorts to CEO Brian Moynihan, who had recently taken the helm. It was also a bet that the bank would recover from the fallout of toxic mortgage securities.

He acquired $5 billion of Bank of America preferred stock with a 6% dividend, or $300 million annually, in August 2011, at a time when investors worried about the bank's capital needs, Reuters reported.

The conglomerate said last July that it owned more than 10% of Wells Fargo, which on Friday amounted to nearly 537 million shares, according to Bloomberg. It's the second-largest bank in the US by market capitalization and was the 10th largest in the world by assets, according to S&P.

Berkshire Hathaway also owns smaller stakes in Goldman Sachs and JPMorgan.

SEE ALSO: Japan can help us better understand one of the biggest puzzles facing the US economy

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NOW WATCH: An economist explains what could happen if Trump pulls the US out of NAFTA


          It might be time for Tesla to get out of the car business (TSLA)   

elon musk

Here's a completely heretical idea, especially on the eve of Tesla launching its long-awaited $35,000 Model 3 in July and the stock rallying almost 80% over the first half of 2017:

Tesla should think about getting out of the car business.

Crazy, right? This is the first new American automaker in decades — and investors are so bullish on it that even though it has made money in exactly two quarters since its 2010 IPO and sold less than 80,000 vehicles in 2016, its market cap is bigger than General Motors', Ford's, or Fiat Chrysler Automobiles.

Additionally, Tesla is really nothing but a carmaker at this point. Although it sells solar panels and energy storage systems and is building a massive battery factory in Nevada, its revenues largely come from an old-fashioned place: assembling and marketing cars.

But here's the thing: for a carmaker such as BMW or Porsche or even Ferrari, limited production, a longstanding perception about the brand, and generally high to very high to astronomically high transactions (I'm looking at you, Ferrari LaFerrari supercar and your $1-million-plus price tag), the car business can be pretty good. Not Apple good, but healthy double-digit margins are in order.

Tesla started out at this end of the market, selling expensive luxury vehicles to a well-heeled elite. If it stayed with this business, it could conceivably end up with a 20% profit margin. 

Tesla Model S

A victim of Musk's vision

But CEO Elon Musk wants to get gas-powered cars off the road, so that means Tesla has to attack the low-margin mass-market business. The Model 3 is the first shot. And there are 400,000 pre-orders, so it's a big first shot.

The mass market isn't really about what Tesla is good at, which is visionary spectacle and succeeding against overwhelming odds. The mass market is about grinding, unspectacular execution, day after day. This might be why Musk wants to see it taken over by robots. 

For the time being, Tesla has committed to playing in this space, and doing it with a product — an all-electric vehicle — that consumers have thus far shown little interest in. EVs now make up only about 1% of global sales. Tesla needs to move that needle and move it big time, and to be honest, the company isn't strong enough to do it on its own. Others will have to come into the game.

This is where matters get challenging. Autos are a tough business: capital intensive, with cyclical sales and a requirement that car companies spend a lot on R&D to avoid falling behind. The end product is extremely complicated and relatively costly — so much so that carmakers maintain financing arms to loan customers the money to buy products.

ford factory producer prices

A business for the nutty

Many, many auto executives would say that the reason nobody has started a successful new car company in half a century is that you had to be nuts to start a new car company. There are so many other ways to get rich.

It's not clear that Musk fully understood this when he originally invested in Tesla and later took over the CEO job. But he's learning now. 

Fortunately, he doesn't have to think of himself as the quixotic leader of a company that by its economic nature will destroy his fortune, perhaps more than once. Tesla could at some point shed its car business or outsource it and focus on more lucrative, higher-growth, less-capital-hungry enterprises. Solar could be huge in the future, and in any case it's been a rapid growth area for energy.

Batteries for residential, industrial, and utility applications could also be big future businesses. And I haven't even gotten to the software and self-driving innovations that make up Tesla Autopilot. They could be worth more on their own than Tesla's entire carmaking operations someday, especially if you assume that the data generated by self-driving vehicles is where the real opportunity (and riches) resides. 

Tesla gigafactory

Hard to change course?

But, you might ask, wouldn't it be hard to unload the car business?

Not really. For example, if Tesla builds a factory in China, it will almost certainly have to establish a JV with a Chinese company, meaning that effectively half the Chinese manufacturing business would be owned by someone else. A contract manufacturer such as industry leader Magna could assemble Tesla vehicles in North America or Europe. And given that Tesla is aiming to sell 500,000 vehicles annually by the end of next year, a competitor might decide it's worth it to buy up the car brand.

The bottom line is that we know where Tesla's car business is going, and it's nothing all that financially thrilling. It could be financially depressing. Almost all the company's other projects, even idealistic moon shots like the Boring Company (digging traffic-beating tunnels under Los Angeles) have the potential to growth more rapidly or establish entirely new markets. 

Perhaps that's where Musk's focus should be.

SEE ALSO: 'So, do you want to see the car?': The story of the day that Tesla stunned the world

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NOW WATCH: Tesla will reveal the finished Model 3 in July — here's everything you need to know about the car


          A trade war 'could threaten the success' of Trump's presidency but he might start one anyway   

China steel

Donald Trump is playing a dangerous game of chicken with international trade.

While he initially backed away from major protectionist campaign promises, including ripping up the North America Free Trade Agreement (NAFTA) and naming China a currency manipulator, Trump and his top economic officials have kept up the "America First" drumbeat, insisting the United States has gotten a raw deal from a global trading system it played an enormous role in shaping. 

The latest point of attrition is steel, which has long been the subject of targeted trade disputes between the United States and China. Yet Trump’s aggressive negotiating tone carries a great risk that international trust will evaporate, narrowing rather than improving the wiggle room for fresh agreements.

"Protection is pernicious since it restricts imports and usually this triggers more counter restrictions," Richard Baldwin, professor of international economics at the Graduate Institute, Geneva, told Business Insider.

In particular, Baldwin worries Trump’s evocation of national security concerns to justify the potential tariffs could have broader repercussions. Only 3% of US-made steel is used for military purposes.

"The National Defense clause however opens things up to basically unlimited protection and thus the Section 232 moves are potentially a new and dangerous development," he said. "This is not just more dumping duties of the type we’ve seen on steel for decades."

Caroline Freund, senior fellow at the Peterson Institute for International Economics (where I used to work), says she’s hopeful industry pressure and economic reality is forcing the Trump team to rethink its more draconian proposals, such as tearing up NAFTA.

"I think what they’re looking for is a voluntary export restraint agreement, where Canada and Germany and whoever say we volunteer not to export more, a self-enforced quota that’s agreed upon," she said. "The manufacturing industries are lobbying hard because steel is going to be even more expensive."

"The problem is they’ve antagonized other countries so much, especially after pulling out of the Paris [climate] Accord — you could have gotten there with a carrot rather than a stick, you had have a better chance at a deal," Freund added. 

Richard Haas, president of the Council on Foreign Relations, was clearly taking the Trump threat seriously.

SEE ALSO: Trump is waging a new kind of Cold War — and millions of jobs are on the front line

Join the conversation about this story »

NOW WATCH: An economist explains what could happen if Trump pulls the US out of NAFTA


          PRESENTING: The most important charts in the world from the brightest minds on Wall Street   

markets 4x3

Here they are: the most important charts in the world. 

Once again, we asked dozens of top strategists, economists, and writers for one chart that is top of mind right now. The slideshow includes their verbatim analysis of the trend they picked. 

All of these charts were submitted by June 16, so some of the data may have evolved since then.

With assistance from Rachael Levy, Elena Holodny, and Jonathan Garber.

 

David Rosenberg

"This is where the power and influence still reside, and nothing is going to stop the inevitability that nearly two million of this critical demographic group will be turning 70 annually for the next 15 years. And they are very likely to make it to 85 or even older with medical advancement.

This has crucial implications for the financial markets because it is when you turn 70 that you undertake the most profound asset mix shift since you were in your 30s and loaded up on equities — when you turn 70, preservation of capital and cash flows becomes much more important, and yet in a world where 'safe yield' has become extremely scarce, the investment challenges for the aging but not yet aged boomers are going to be daunting, to say the least."  



Rick Rieder

"This crisis has under-appreciated negative side effects for the US economy as a whole. Most significantly, student loans are making it harder for first-time home buyers to afford their own home, with more than 70% of would-be first-time buyers saying student loan debt is delaying their home purchase, according to the National Association of Realtors. As a result, the homeownership rate in the US has fallen each of the last six years despite a solid economic recovery, according to the US Census Bureau, with the biggest impact coming from the 25-34 year old cohort as seen in the chart above. 

The student loan burden is not just curtailing young adults’ home buying; it is weakening their consumption in general, posing a major headwind to US economic growth. In addition to the direct economic impact, the student loan crisis could also worsen the class divide. Home ownership levels at age 30 are much lower among those with college debt than those without, and when faced with today’s high college costs coupled with the prospect of taking on significant debt, more students from lower-income households may choose not to attend college, worsening their outlook for employment and wage income over the course of their career. The bottomline: This crisis is likely to be a major drag on the US economy for years to come if it remains unaddressed, and an elegant fiscal-policy solution is needed, the sooner the better."



Torsten Slok



See the rest of the story at Business Insider

          HENRY BLODGET: Seeing more skepticism around Trumponomics   

The IMF recently cut its US GDP growth forecasts to 1.8% longer term and to 2.1% for this year and next. This is far from what Trump promised during his campaign to more than double the US growth rate to 4%, a vow that has since been downgraded to 3% by his economic team. 

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          MORGAN STANLEY: Here's why it makes sense for Tesla to become the next big music-streaming service (TSLA)   

FILE PHOTO - New Autopilot features are demonstrated in a Tesla Model S during a Tesla event in Palo Alto, California October 14, 2015. REUTERS/Beck Diefenbach

Tesla, the electric-car and energy-storage company, could become the next big music-streaming service.

Last week, a representative told Business Insider that it was important for its customers to "listen to the music they want from whatever source they choose." The comments followed a report suggesting the company was working on a music-streaming service.

And according to Adam Jonas, an equity strategist at Morgan Stanley, this would make sense.

Silicon Valley is interested "in the potential multi-trillion dollar opportunity selling data, content, and experiences unfamiliar to today's auto firms," Jonas said in a note on Tuesday.

"The potential total addressable market of such a bundled mile (utility + content + data) dwarfs some of the major end markets (PC, smartphones) that Silicon Valley currently services."

By 2030, Jonas forecast, Tesla Mobility — an on-demand service similar to Uber — would have about 2 million cars, and there would be about 7 million privately owned Teslas.

"Tesla wants to be more than a 'dumb pipe'" that moves people around, Jonas said.

The auto industry would be a "money loser" by 2030, Jonas said. However, Tesla would be able to monetize the time that people are spending in their cars, as it and other companies develop what he described as a "living room on wheels."

"These firms could cede 100% of the value of content to the likes of Apple, Alphabet, Pandora, Sirius, or Netflix," Jonas said. "On the other hand, they could say: 'Wait a second. This is our venue. Our OLED screen. Our speakers. Our HMI. Our seats. Our software. Let's at least give the customer a choice of using our own apps before we too quickly go the way of the pure handset manufacturers.'"

Additionally, the buying power of people who own Tesla's electric cars could be well-suited to the market for paid premium content.

Jonas expects that Tesla's peers entering the self-driving and ride-hailing space, including Alphabet and Apple, could also explore original content for their cars' passengers.

But these competitors are bigger and better capitalized than Tesla, meaning they could provide ride-hailing services at a loss and at Tesla's expense, Jonas said.

Music streaming is worth about $50 million in enterprise value to Tesla, Jonas estimated.

SEE ALSO: 5 reasons a Tesla music-streaming service is the best idea Elon Musk has had this year

DON'T MISS: The most important charts in the world from the brightest minds on Wall Street

Join the conversation about this story »

NOW WATCH: An economist explains what could happen if Trump pulls the US out of NAFTA


          Canal 13 | Economista UNAB analiza alza que registrará el salario mínimo   
C13 - Alejandro Urzua

El académico de la Facultad de Economía y Negocios, Alejandro Urzúa, también comentó los efectos que tendría un mayor aumento de éste, como han propuesto algunos precandidatos presidenciales.

La entrada Canal 13 | Economista UNAB analiza alza que registrará el salario mínimo aparece primero en Noticias Universidad Andrés Bello.


          La Tercera | Comprar para arrendar: las claves de esta decisión   
La Tercera - Víctor Valenzuela 1 - 170630_600

El académico de la Facultad de Economía y Negocios, Víctor Valenzuela, entrega recomendaciones a quienes deciden comprar una propiedad como inversión.

La entrada La Tercera | Comprar para arrendar: las claves de esta decisión aparece primero en Noticias Universidad Andrés Bello.


          Turismo responde por 3 milhões de postos de trabalho   
 O setor de turismo é um grande gerador de postos de trabalho, como revela uma análise feita pelo Ministério do Turismo, com base em dados divulgados pelo Cadastro Geral de Empregados e Desempregados (CAGED), do Ministério do Trabalho e Emprego. O setor contribuiu com 6,25% dos empregos formais no ano de 2013, ou seja, cerca de três milhões de trabalhadores com carteira assinada, incluindo empregos diretos em serviços como hospedagem, alimentação, transporte, agências de viagens, aluguel de transporte, cultura e lazer.

O crescimento do setor foi de 51,2% nos últimos sete anos, já que em 2006 foram computados 1,9 milhões de trabalhadores em atividades vinculadas ao turismo.
Já o Conselho Mundial de Viagens e Turismo (WTTC), que apresentou no início de abril o seu estudo anual sobre a economia do turismo, também aponta para o fato de o setor ter gerado cerca de três milhões de postos de trabalho diretamente e que a contribuição total (diretos, indiretos e induzidos) chegaria a 8,4 milhões.
Com a proximidade dos grandes eventos esportivos, como a Copa do Mundo e as Olimpíadas, há uma expectativa de que 380 mil postos de trabalho temporários sejam criados. Os dados são da empresa de consultoria de gestão Value Partners Brasil, que fez um estudo a respeito das oportunidades de negócios e geração de trabalho à pedido do Ministério do Esporte. As novas vagas serão oferecidas especialmente em bares e restaurantes, e em cargos como recepcionistas, atendentes e garçons.
O Pronatec, Programa Nacional de Acesso ao Ensino Técnico e Emprego, também contribui para a recolocação profissional e qualificação dos profissionais. No Turismo, mais de 166 mil pessoas estão matriculadas em cursos relacionados ao setor, como garçons, camareiras, bartender, recepcionistas, policias civis, militares, guardas municipais e bombeiros. A meta era de preencher 150 mil vagas em cursos profissionalizantes até a Copa do Mundo.
Pronatec - Foto: Divulgação

Fonte: Ministério do Turismo

          The Value of Family Branding   
Throughout history, business families and the skills and capital they bring have been the engine room for entrepreneurial activity and growth of economies around the world. To mark National Family Business Day (19th of September each year), the University of Adelaide, together with Family Business Australia held a seminar, ‘The Value of Family Branding’. Facilitated by [...]
          Communities summer issue – Economics in Cooperative Culture   

Communities Magazine — Summer 2017 Economics in Cooperative Culture Latest Issue in Print (and Digital) Free Articles Published Online Subscribe Today Order a Sample Copy Economics in Cooperative Culture—Issue #175  Our latest Communities issue on Economics in Cooperative Culture reached subscribers last month. If you haven’t seen it yet, get a copy by subscribing or ordering a sample… Read More

The post Communities summer issue – Economics in Cooperative Culture appeared first on Fellowship for Intentional Community.


          Guies Insight: Explora Roma i Nova York   


Per Àngela Sánchez Vicente


Les Guies Insight que ens apropen els nostres amics de Cossetània Edicions ens donen les bases per organitzar un viatge als destins que ens proposen però allunyant-nos dels clixés turístics on tothom visita el mateix i es perden l’encant de la veritable essència del nou indret a descobrir.

En aquest text us parlarem una mica de les que hem tingut entre mans, com és el cas de Explora Roma i Explora Nova York en que lògicament ens proposen les 18 millors rutes a seguir per visitar els museus més destacats, els monuments més emblemàtics, els parcs més espectaculars i simbòlics i els barris històrics o cosmopolites i moderns. 

Descobrir la gastronomia local, els mercats, on podem comprar, on escoltar música, una mini guia de shopping, les parades obligatòries i curiositats que ens duran a descobrir la ciutat amb una òptica molt diferent.

És una guia de viatges en que no et sentiràs massa guiri, més ben al contrari, sentiràs que et fons amb el paisatge de fons i amb els habitants de la ciutat amb una naturalitat pasmosa alhora que aprens i gaudeixes de la seva grandesa i esplendor.

Viatjar no és només conèixer allò de la ciutat més representatiu sinó establir contacte amb el teixit social, prendre un bon cafè, fer-te passar per un habitant més, oblidar per una estona la càmera de fotos i portar cap a casa compres que fugin dels típics subvenir.

Després de les Guies Insight de París i Londres que ja us vàrem comentar i ara aquestes dues meravelles del món més clàssic i el més modern només desitgem que en segueixin editant per poder veure món a través de les seves propostes.

No us ve de gust fer la maleta i descobrir una nova ciutat? 

A la pròpia guia ens ajuden amb els mapes i els transports per economitzar en els trajectes un cop aterrem.

Què, ens escapem uns dies?

Us deixem amb una cançó ideal per gaudir a cada destí!



          Why ATM will not go extinct anytime soon in India   
In India, some technocrats have started saying that payment cards would become virtual by 2020 and the ATM industry has no future, but cash is still king.
          Banks or India Inc: Who will come back from the brink first?   
Delayed mega-projects, a resultant debt overhang and bankers determined to haul errant promoters to the bankruptcy courts have spooked corporate India.
          Adaptation de l’aménagement forestier durable aux changements climatiques : rapport exhaustif sur les scénarios de la vulnérabilité.   
Changes in global climate expected during the 21st century will have profound impacts on forests in Canada and elsewhere. Sustainable forest management objectives will therefore require modification as part of the general need for adaptation to climate change. Work carried out for the Conseil canadien des ministres des forêts has focused on developing and implementing tools and methods for adapting forest management in an uncertain future. While the uncertainties are considerable, these cannot be considered an excuse for delaying action, particularly in a long-term endeavor such as forestry. The report reviews scenarios and scenario analysis as one important approach to accounting for uncertainty in forest management decision making. Scenarios include the projections of future global economic and demographic growth as drivers of climate change, of future climate, and of the potential impacts of changes in climate on natural and managed ecosystems. In turn, local impacts on Canada’s forests can have important consequences for dependent communities and regional economies, which can feed back to global scenarios. The report discusses the availability of scenario data, the processes involved in developing local scenarios by stakeholders, and the application of scenarios as part of a vulnerability assessment process for sustainable forest management systems. Case studies of scenarios used in regional and national assessments of climate change impacts on forests are reviewed. Sources of information on scenarios are provided in three appendixes.
          Assessing potential biophysical and socioeconomic impacts of climate change on forest-based communities: a methodological case study.   
Ce rapport présente différentes méthodes d’évaluation des répercussions biophysiques et socioéconomiques potentielles du changement climatique, à des échelles pertinentes pour les collectivités axées sur les ressources forestières. Les méthodes sont testées et démontrées grâce à l’évaluation des ces répercussions au sein de la collectivité de Vanderhoof, en Colombie-Britannique. Tout d’abord, on élabore des historiques et des scénarios climatiques à référence spatiale pour la région de Vanderhoof, dans une zone d’étude de 200 km sur 200 km. Ensuite, ces données climatiques sont liées à de nouveaux modèles et de nouvelles méthodes de prévision des changements en ce qui concerne la productivité, les espèces et les risques d’incendies de forêt, et ce, selon les conditions établies par le changement climatique. Par la suite, on conçoit et met en application des méthodes pour permettre de faire un lien entre les changements concernant la productivité et les changements potentiels du taux de récolte et du revenu global des ménages. Finalement, on met de l’avant une approche pour lier, présenter et comparer les résultats qui découlent des différentes méthodes. Cette approche tient compte à la fois du changement climatique et des changements socioéconomiques connexes qui ont lieu dans l’environnement externe de la collectivité en plus de reconnaître l’incertitude intrinsèque des scénarios climatiques et socioéconomique. Cette approche tire son fondement de la création de scénarios de cartes radar multiniveaux, qui sont ensuite fusionnées pour ne former qu’une seule carte radar fournissant un résumé concis des répercussions potentielles que peut causer le changement au sein d’une collectivité en particulier. L’évaluation de la vulnérabilité d’une collectivité tend à se rapporter surtout à une région définie. Néanmoins, l’étude de cas de la collectivité de Vanderhoof indique les zones particulièrement sensibles des collectivités axées sur les ressources forestières et donc, présentant une grande vulnérabilité face aux répercussions du changement climatique. Ce phénomène pourrait augmenter le risque d’incendies au sein des forêts qui entourent les collectivités et avoir un impact (positif, négatif ou les deux) sur l’approvisionnement forestier, et ainsi engendrer des changements dans l’économie locale en plus de faire augmenter le degré d’instabilité et d’incertitude. Par ailleurs, au fil du temps, ces réponses pourraient se révéler variables et non linéaires. L’expérience vécue par la collectivité de Vanderhoof en ce qui a trait au dendoctrone du pin ponderosa (Dendroctonus ponderosae Hopkins) démontre que le changement climatique peut avoir des répercussions sur le capital naturel d’autres collectivités qui dépendent de la forêt. Une diminution du capital naturel qui soutient une collectivité entraînera inévitablement des répercussions socioéconomiques négatives. Les autorités (municipales, provinciales et fédérales) pourraient utiliser les approches mentionnées dans la présente pour déterminer les endroits où le capital naturel est le plus à risque. Ces renseignements sont essentiels à l’élaboration de stratégies portant sur la protection du capital naturel existant, le remplacement du capital naturel ou encore la transformation du capital naturel à risque en d’autres types de ressources moins vulnérables au changement climatique.
          Socioeconomic transition in the Foothills Model Forest from 1996 to 2001   
Le présent rapport fait ressortir les points saillants de la transition économique qui s’est produite dans la Forêt modèle de Foothills entre 1996 et 2001 en mettant à jour une base de données économiques et un modèle de calcul des incidences économiques à cadre d’équilibre général pour la région. Bien que la base de données de 1996 montrait que les secteurs des mines et de la foresterie étaient deux des plus grands et des plus influents secteurs de la région, celle de 2001 a mis en évidence une transition de la production de charbon vers l’exploration des gisements de gaz naturel. Cette transition a été motivée par une évolution des prix pour le charbon et le gaz naturel sur les marchés mondiaux combinée à l’épuisement des réserves de charbon dans la région. Le secteur touristique a aussi décliné un peu durant cette période. Ces changements ont eu des répercussions importantes sur de nombreuses variables socioéconomiques. Les simulations effectuées avec les modèles d’impact ont révélé que la transition économique avait rendu certaines variables socioéconomiques plus sensibles aux changements des activités dans le secteur du gaz naturel et moins sensibles aux activités dans les secteurs des mines et du tourisme.
           Return of the Dandy 1966   

Ruffles foaming over the shirt-fronts of dinner-jackets and lace spilling out of the sleeves, tight-fitting pants, worn by young men who will demand 20 sittings at a tailor to be sure that the length of the vent is just so, that the trouser leg moves an inch bell-wise at the bottom!  There are tales of Beau Brummell and Oscar Wilde, interviews with David Mlinaric, Patrick Lichfield and Rupert Lycett-Green of Blades. Musings on Pop Stars, Photographers, Hung On You, custom made shirts by the dozen and much more...it's all here, in this excellent in-depth 6 page feature on dandyism, originally published in 1966.





                                                          RETURN OF THE DANDY
Ruffles foam over the shirt-fronts of the dinner-jackets and lace spills out of the sleeves. Velvet pantaloons, which would have raised eyebrows if seen on men three years ago, attract hardly a glance anymore. The jackets are increasingly waisted, flare sharply over the hips and are getting almost Edwardian in length. The trousers fit so tightly that the more extreme ones are hard to sit down in and look best only when the man in them is standing almost at attention. There has not been such elegance, style and boldness in men's clothes in London since Oscar Wilde. The new wave of English dandyism started, most people agree, about five years ago. Young David Mlinaric, a designer, and one of the best dressed young men in London, thinks pop music had a good deal to do with it. ''The pop singers have the panache of the movie stars in the thirties. The pop singers and designers and film stars dress adventurously - and the others have followed them. Also, people today are more interested in young people than ever before - and they copy what the young people do.''

Patrick Lichfield, another of the best dressed young English men, thinks that the adventurousness of people's occupations has a lot to do with their clothes. He himself is an Earl, but he's also a photographer. ''Many people,'' he points out, ''are still stuck in environments like the city where conservative dress is absolutely required. But these days film stars, pop singers, hairdressers, photographers have all become respectable people. People like us can dress as we like: we can experiment. If a duke wandered into a cocktail party without a tie, people would find it odd, but if a film star did it, he'd be accepted. Presently, the duke might even follow suit.''

The revolution in men's clothes has even deeper roots than that. All the great periods of dandyism have occurred in periods of revolutionary upheaval in the pecking order of society. The Regency dandies followed the Napoleonic wars, a period when the monarchy and aristocracy were despised and a new middle class was beginning to emerge. The French wave of dandyism (strictly an import from England) followed the Revolution of 1830, again with a great levelling of social barriers. The Edwardian dandies followed the industrial revolution when the money and power structure shifted from the landed aristocracy to the new industrial magnates. The new dandies of today are living in an age when the caste system in England is breaking down at both top and bottom.








Like Nicholas Hilliard's Elizabethan dandy, today's dandy, Dennis Stansfield (above), looks effective in a rural setting. Stansfield, a 20-year old commercial artist, designs his own clothes and has a tailor in Tooting. His sister-in-law makes his shirts.


The greatest of all dandies, Beau Brummell, was the most scornful of men. (''You can't call that thing a coat?'') He had no title, no fortune, no professionnot even a carriage; he had nothing but a superb arrogance and assurance and presence; with these weapons alone he was copied, quoted, much feared, greatly respected, and wielded very real power. When the Prince Regent (who became George IV) broke with him, he remarked disdainfully of the future monarch: ''I made him what he is today and I can unmake him.'' This Brummellian scorn and self-assurance is very much a part of the make-up of the young pop set. The young film stars, photographers, models, designers and pop singers don't give a damn what their fathers or you or I or anyone else think of their far-out clothes or their far-out behaviour. Albert Camus has called the dandy the archetype of the human being in revolt against society. Almost always the dandy is thumbing his nose at the rest of the pack. The great Beau himself, some of his admirers think, was in the privacy of his own heart, mocking the very dandyism for which he was admired.











Lichfield, when I talked to him, had just come out of his dark-room, dressed casually in a polo-necked sweater and corduroy trousers. Lichfield looks well turned out in even the most casual clothes. ''Some people dress with flair alone.'' he says. I think Mlinaric is the best dressed man I know. Some of his effects are sheer audacity. I saw him one night in evening suit with a marvellous ruffled shirt. I admired it and he told me he'd just pinned some ruffles on a plain white shirt. It looked great.'' Lichfield admits he spends ''a fortune'' on his clothes, and says that some of his suits are total failures. ''I wear them two or three times, then never again.'' We toured his wardrobe. Twenty-six suits. ''I like brown suits very much.'' Many of today's young dandies like brown. ''Tweeds for the country.'' He showed a grey wooly one. ''I like big buckles.'' He showed me one immense silver one on a black belt. ''I think these buckles are going to be very fashionable. I love suede coats.'' He has four of varying cut. ''For shooting...'' He brought out a pair of bottle-green corduroy breeches. ''I've ordered all my gamekeepers to wear these.''

He opened a drawer packed with sweaters. ''I have a lot of polo-necked jerseys, mostly green and beige. They cost me a fortune in cleaning because you can only wear them two or three times. Now here's my most precious possession...'' He pulled out a pair of worn, patched and splendidly faded Levis. ''If the house was burning down, this is what I'd rescue first. The rest of my clothes can be replaced but it takes years of wear to get that lovely patina. American trousers are the only things I buy ready-made.'' He has 50 shirts, most of them custom-made from Harvie & Hudson at £6 apiece. When a shirt catches his fancy, he may buy one and ship it to Hong Kong to be copied by the dozen in silk. He has about 50 ties, many of the patterned pastel type which is very with it at the moment, but he also likes severely plain black knitted ties. He takes very good care of his clothes and is exasperated by people who don't. ''I know people who throw clothes on the floor that have cost them a fortune.'' He has an electric trouser-press in his bedroom which presses his trousers while he's in the bath (the jacket hangs itself out as part of the gadget). ''I haven't had a suit pressed since I left the Army — but cleaning costs me a fortune.'' I don't understand people who dress simply to keep warm,'' says Lichfield. ''A man should enjoy his clothes. He dresses to attract the girls —unlike the girls, who dress to impress one another. I have an idea all men dress to be sexy like cock pheasants in the mating season. I always dress more carefully the first time I take a girl out than the second. English girls, I think, are more adventurous in their tastes than girls of other countries and they admire adventurously dressed men.''



Among the most adventurous is Mlinaric. Standing in the immense square drawing-room of his Tite Street house (another great dandy, Oscar Wilde, lived in this street, a block away), Mlinaric was wearing a brown (he too, likes brown) double-breasted jacket that buttoned almost to the neck, the lapels edged in black, with short sleeves in order to display the cuffs of the shirt. His suits, he said, were getting more brightly coloured. His latest, of which he expected much, was cinnamon-coloured. ''Clothes are my greatest extravagance,'' he says. ''I feel very strongly about the way clothes are stitched. I'm tremendously interested in the best materials as well as the cut. I think a great many of the Carnaby Street clothes are very badly put together and of poor material.''




Ted Dawson, male model, spends about £500 a year on clothes. His wardrobe includes 100 ties, 75 shirts, 30 suits, 14 jackets.




Above: The wonderful Michael Rainey 25, who designed all the clothes for his boutique Hung On You, discusses ties with journalist Christopher Gibbs. (extreme right).



How well dressed are today's young men in comparison with the great dandies of the past? Hardly within whistling distance, I think. Max Beerbohm, the last of the dandies, wrote of Beau Brummell: ''Is it not to his fine scorn of accessories that we trace the first aim of modern dandyism, the production of the supreme effort through means the least extravagant? In certain congruities of dark cloth, in the rigid perfection of lines, in the symmetry of the gloves with the hands, lay the secret of Mr Brummell's miracle. He ever was most economical, most scrupulous of means.'' None of today's dandies lives up to these uncompromising standards (nor did Beerbohm). Brummell himself would have nothing but freezing contempt for Carnaby Street.

















The real dandies buy their suits at Blades in Dover Street. Eric Joy, the partner and chief designer, has a good deal of Brummellian scorn for most of the cutters and designers of Savile Row and thinks all mens clothes designed between 1914 and 1960 were a wasteland of mediocrity. ''Up to five years ago, masculinity was to be a good rugger player,'' he says scornfully. ''I thought it was about time we designed a collection that made men look like men, not bloody Daleks.'' He haunted the Victoria and Albert Museum for ideas. Many of the jackets are the modified descendants of military uniforms which are in fact the ancestors of many great English men's suits.'' Rupert Lycett Green, proprietor of Blades, a bit of a dandy himself (though he denies it), lists as a barely adequate wardrobe for a well-dressed man: two dinner jackets (silk for summer, worsted for winter), with perhaps a velvet evening suit to boot; one grey suit; one black suit; a couple of working suits, both comfortable and elegant; a country suit of lightweight tweed; two light summer suits; one travelling grey suit; one crushproof traveling suit for air travel and trains; three overcoats (one dark evening coat, one tweedy raglan type for country, one short for motoring or town wear); at least two sports or odd jackets; half a dozen assorted slacks or odd trousers; 50 shirts and 50 ties. Blades is opening its own shop in New York soon, but design there will be severely modified. The extreme dandyism quite acceptable in London still has strong homosexual implications in New York, and in fact everywhere else. London is years ahead of the rest of the world in having got rid of the homosexual overtones of dandyism. Most of today's English dandies are blatantly heterosexual.



Above: Rupert Lycett Green, proprietor of Blades where the best beaux are dressed, is opening a new shop in New York soon, but designs will be severely modified.


Historically, dandyism has had a homosexual tint only since its last flowering in the nineties, and you can blame Oscar Wilde for that. Most of the earlier dandies were conspicuously hetero — certainly the Regency rakes were. Brummell himself was thought to be glacially indifferent to women and sex and totally immersed in himself. The Victorian attitude toward dandies and dandyism was laid down originally by Thomas Carlyle in ''Sartor Resartus''. Before ''Sartor Resartus'', dandyism had been reasonably respectable, even admirable. However, Carlyle's Scottish puritanism so changed the emotional climate toward dandyism that Edward Bulwer Lytton  eliminated whole passages of ''Pelham'', his very successful novel about a dandy. Ever since Carlyle's outburst, dandies have been considered figures of fun, and since Wilde's day, probably homosexual.  Remnants of the Victorian disapproval are still with us. A recent article by John Morgan  in the New Statesman dripped with scorn about the new wave of dandyism which he called ''tedious to the point of tears.'' ''I find it impossible,'' he wrote, ''to make any emphatic leap into the nature of young men who will demand 20 sittings at a tailor to be sure that the length of the vent is just so, that the trouser leg moves an inch bell-wise at the bottom.'' Morgan also states in his article '' No one suffers from elegance but from the prose it produces,'' stating clearly that any writing about dandyism is a bore. This simply isn't true. Dandies and dandyism have a long and honourable literary tradition, both as authors and as subjects of novels and plays, some good, some appalling, but almost all enormously popular. ''Pelham'' by Bulwer and ''Vivian Grey'' by Benjamin Disraeli (himself a great dandy) were enormously popular; both had dandies as heroes.


Dandyism was one of the principal preoccupations of Stendhal in ''The Red and The Black'', though his own attitude toward the dandies is contradictory. Balzac, who considered himself a dandy though no one else did. wrote ''La toilette est l'expression de la societé.'' His ''Comedie Humaine'' was full of dandies. Baudelaire was not only a dandy but also a philosopher of dandyism — ''La culte de soi-meme'', as he called it. The novels of Dickens and of Thackeray (who loathed dandies) are full of dandies and the cult of dandyism. Pinero's and Shaw's plays are larded with dandies, and Wilde's plays, of course, consist of nothing else. ''Dorian Gray'' was dandyism at its most decadent and it has helped immeasurably to give dandyism a bad name. Within the last three years, the winds of disapproval have begun to abate. There are temperamental similarities and at the same time great differences between today's dandies and the bucks of the Regency. Most important, the present crop are conspicuously doers of things, like film making, hairdressing or acting. They are notoriously energetic and ambitious. The Regency dandy —especially Brummell —considered any form of activity except clothes to be beneath them. Beau, again probably in pure mockery, considered even the forming of an opinion slightly wearisome. Once, when a visitor asked which of the English lakes he thought most beautiful, he called the servant in: ''Which of the lakes do I find most beautiful?'' Brummell's wit would be admired by some of the avant-garde film-makers. He was not a man of mot or epigram. A shrug, a lifted eyebrow, sometimes nothing but the memory of a known Brummellian attitude made their own silent but devastating witticisms. When you can be witty without words, why use them?


                              IMAGE CREDITS, LINKS & FURTHER READING
All images scanned by Sweet Jane from The Observer Magazine, May 1st, 1966. All photographs by Colin Jones from The Observer, *Except for photo No.6 Rainey/Gibbs an outtake of the original which I scanned from Boutique: A '60s Cultural Phenomenon by Marnie Fogg (purely to include the extra hand-painted tie which had been edited out of the magazine version), original article by John Crosby.  View some other examples of the return to dandyism in one of my previous posts, plus further examples of Blades tailoring and more here. You'll find a collection of Patrick Lichfield's 1960s photography work on Flickr. Read the transcript of a discussion about the future of the tailoring industry from a 1971 issue of The Tailor and Cutter, which includes some very sharp comments from the outspoken Eric Joy, partner/designer at Blades here, Further reading about The Eccentric Mr. Brummell here and more via the associated links on Dandyism.Net, where you will also find Dandies and Dandies By Max Beerbohm, (1896). Discover more about Sartor Resartus (meaning 'The tailor re-tailored') the 1836 novel by Thomas Carlyle, first published as a serial in 1833–34 in Fraser's Magazine, and you can read the aforementioned Chapter X. The Dandiacal Body here as well as Chapter XI. on Tailors. Check out Pelham; 'The adventures of a gentleman' by Edward Bulwer-Lytton.  Watch The Picture of Dorian Gray, the 1945 film adaptation of Oscar Wilde's novel here for free. It has of course been adapted for film & tv many times, you'll find a review of Massimo Dallamano's 1970 version set in Swinging London over on Dreams Are What Le Cinema Is For. And finally, no matter what they say..Dandy, you're all right.


          Lift Up Your Skirt And Fly Boutique - 1969   



Lift Up Your Skirt And Fly, the sheffield fashion boutique launched in 1967 by local business entrepreneur Roger Howe, has been a source of intrigue to me for quite a while. He was inspired to name the shop after one of Marc Bolan's lyrics from 'Desdemona' the John's Children single which had been released earlier that same year (and then subsequently banned because of it by the BBC, as they considered it to be too controversial). I first came across the boutique in 2009, when I picked up a copy of the excellent King Mojo and Beyond book about the Pop Art scene which sprang up around the legendary Sheffield live music venue. There on page 39, amongst the club posters, membership cards and murals, were three small images which included an advertisement for the shop and a couple of photographs of Sue Barfield, one of the artists who had painted the facade and designed the interior while also working as head sales assistant. I've always been curious to know a bit more about it, but apart from one other fantastic photograph taken by JR. James in december 1967, I hadn't managed to find anything else until quite recently. Sometimes these things tend to unravel at their own pace, and purely by chance, it eventually arrived via a weekly feature written for Jackie Magazine in 1969 called Around the Boutiques with Sam. It gives a little bit of information about the owner and the back story of how he launched the shop, plus a really great description of the interior and the type of gear that they sold, which you can read all about for yourself in the original article below.







   
  All because John Lennon made a slip of the tongue
Question: What have a cut-price bathroom suite showroom and way-out boutique got in common??! The answer is —tah-rah—a very trendy, go-ahead young man by the name of Roger Howe, who owns both. His main interest, though, is in the boutique at 157 Norfolk Street, Sheffield, called ''Lift Up Your Skirt And Fly.'' ''Ooo!'' I hear you gasp. ''How Suggestive!!'' But keep your hair-piece on. It was all due to a boob made by John Lennon when, in a show, he introduced the song ''Desdemona'' as ''Lift Up Your Skirt And Fly.'' which is a line in the song. That decided Roger to call his boutique the same. What has all this got to do with cut-price baths, then?? Nothing.

A man of many interests is Roger, so he opened the bath business last year as a prosperous sideline. Although he is racing off to London, buying stock for the boutique every week, he still manages to run both enterprises successfully. AND, apart from all that Roger plans to turn the back half of the ''Lift Up Your Skirt And Fly'' into an antique shop. About two years ago, several young ladies were almost arrested for parading around Sheffield's main streets wearing kinky Quorum see-through blouses! VERY DARING!! But it was only a brilliant opening-day publicity stunt, contrived by Roger. With the result, he succeeded in getting the recognition he set out to achieve for the boutique, by his shock tactics! Clever! 

There is a sort of Victorian air in ''Lift Up Your Skirt And Fly'' although the music which constantly blows your mind, I'm sure would not amuse Queen Victoria!! The interior of the boutique was creatively designed by head assistant, Sue Barfield, who should know what she's about, after doing a three year design course at Sheffield College of Art. One wall is completely white with a gigantic psychedelic flower decoration. The two deep red walls add to the mysterious atmosphere created by the striking blue tinted window, which takes up the entire front of the shop. The clothes hang on red rails attached to chains suspended from the tiled mirror ceiling.  

Everywhere you look there are relics of Victoriana times. A super, huge antique cash register, old but now brightly painted chairs, the same with a chest of drawers and painted-up curly coat stand which some of the most fantastic gear is draped over. The communal changing room is divided at one end by a heavy wine velvet curtain hanging from large white rings on a low, white pole. Old reproductions decorate the deep blue walls along with 1930 pin-up type notelets which  sells for a shilling each.  Although this is the colour scheme now, it may change tomorrow because every time Roger returns from London he not only brings back new clothes but also lots of groovy ideas for interior design, which Sue soon puts into action! ''Lift Up Your Skirt And Fly'' is definitely THE place for Sheffield's turned-on dollies stocking such excellent makes as Ossie Clark, Alice Pollock, Early Bird and Consortium. 





The illustrated trouser suit by Ossie Clark is black crepe with scarlet silk edging and costs £10 10s. A bit pricey perhaps, but so outstanding it's really worth it. The jacket is fitted, giving a very slimming effect and the trousers flare out gently with an edge split from the knee down. Also featured is a gorgeous dolly dress in flame satin by Early Bird with black velvet bands round the gathered cuffs and neck and round the hemline. A bit more economical, this at £5 5s. Other good buys are Ossie Clark blouses for £3 15s which look really soopah teamed with a shocking pink velvet tunic suit by Early Bird £6 19s 6d. Dresses range from as little as £3 to £7 and trousers at roughly £5 5s. 






The black crepe trouser suit illustrated above is featured in this episode of the German TV series Der Kommissar, it's modelled by Pattie Boyd at approximately 1:50 into the clip, along with several other Ossie Clark designs throughout, which are again modelled by Pattie and some more well known models of the era, including Amanda Lear and Kari-ann Muller. 



The Fashion boutique Lift Up Your Skirt And Fly, Norfolk Street, December 1967, Image titled "Sheffield Graphics" by JR James, courtesy of The JR. James Archive.




                        Sue Barfield at the entrance to Lift Up Your Skirt and Fly on Norfolk Street, Sheffield.




                                               Another photograph of Sue Barfield inside the boutique.


                                                           IMAGE CREDITS & LINKS
All images scanned by Sweet Jane from the following publications except where stated *otherwise (1.) Lift Up Your Skirt And Fly (poster advertisement) from King Mojo and Beyond by Peter J. Stringfellow, Dave Manvell and Paul Norton. (2.) Ossie Clark & Early Bird illustration from Jackie Magazine issue No.226 April 1969 for an original article by Sam (artist uncredited), (3.) The facade of the Fashion boutique Lift Up Your Skirt And Fly, Norfolk Street, December 1967, Image titled "Sheffield Graphics" by JR James, *courtesy of The JR. James Archive, (4. & 5.) Sue Barfield at Lift Up Your Skirt and Fly on Norfolk Street, Sheffield, from King Mojo and Beyond by Peter J. Stringfellow, Dave Manvell and Paul Norton. Listen to 'Desdemona' by John's Children here, Discover more about Peter Stringfellow's King Mojo Club here, You'll find film footage of an early interview with Alice Pollock & Ossie Clark at Quorum from 1966 here.  An example of another dress from Early Bird Boutique here. And finally, purchase the King Mojo book here, it's a really interesting read with incredible images, and all author royalties go to a very deserving charity.



          How Online Job Market and Freelancing Can Make Bangladesh a Middle-earning Country   

The recent outrage in online job market and freelancing and most of all outsourcing industry has turned into a revolution. It seems like it is not taking a step back. This revolution that is going on within the young community, for IT freelancing and outsourcing, shows us new prospects to grow the economy of Bangladesh. In recent years, freelancing alone brought more than $20 million into Bangladesh and the amount is growing day by day.

Silent Revolution in Bangladesh

It might make you wonder, how did this happen? It was a revolution that was not instigated by the government for long years. Rather, it happened silently. But, due to recent government’s pledge to put “e” to all activities, things have been fastened in a large scale.

Why did this happen? If we observe the situation in Khulna, then you’ll see that many industries closed down, due to corruption and inability to sustain. The older generation in Khulna is not that well off due to this fact. The younger generation is more educated by the mass, as the older generation envisioned that education will be their only asset in future. The surrounding industry failed to employ them properly. But, they did not sit idle. They had to come up with something that would not make them leave Khulna. So, steadily the revolution unveiled.

But, there are still many problems that haunt Bangladeshi freelancers and outsourcing partners. If they are provided the opportunity, the freelancing and outsourcing revolution will take several steps ahead. But, to provide this opportunity, government has always been very conservative. Just take an example of SEA-ME-WE fiber optic cable connection. It was denied twice by late governments on the fear of national data privacy. But, it was realized that, it was really a very conservative decision we ever made. Currently, the internet infrastructure is stronger than before. But, ability to access premium online service still has some way to go. And this is actually not that long.

Prospects

Outsourcing is a $3.4 Trillion industry and we are not even taking even 1% of it. Our neighbor India is taking major share of these outsourcing opportunities. The situation we have here in Bangladesh was created 10 years ago in India. So, it is obvious that we still are a decade backward, in terms of India. But, that does not mean we have to stay a decade back. We have the know-how and the skilled forces that can take us a generation ahead, if we can give them the opportunity. Otherwise, with countries like Vietnam and Philippines that are directly competing with us, will gain better momentum than us. But, imagine if we could take just 1%, it could be way more than what we earn through Garments Industry and remittance from non-resident citizens.

Bringing Women in

If you look at our societal norm, you’ll find that we have not yet grown into a liberal society, even after many changes. The average poor and middle class society aka the major portion of our population is still very conservative. We still have gender-based separate sitting arrangement in bus. Most women in poor societies and some women in middle class societies are still not allowed to roam freely in society. 

Women are the first gender that gets the priority for education dropout. Those who make it, also dropout from career, when they have their first, if not, second child. No one can say that, this change in career as good or bad. Because, raring child and taking care of the family by women has been a century (if not millennia)  long tradition. Even in advanced countries, women cannot avoid this phenomenon. So, ultimate center of concentration of a woman becomes her home.

But, they are the weaker half (48%) of our population. I mean, weaker by the number not by merit or skill. If you can not engage this portion of the population in earning, then there is no way a nation can grow. But, accepting our norm of the society, how can we generate jobs for them without making them leave home? 

I think you all know the answer.

Bringing Senior Citizens in

Again another portion is the senior citizens who become dependent on the earning member in the next generation. Because, they are not suitable to do any physical work. So, they jump out of the earning member population and usually never come back. But, how can we make them earning member without having to make them do physical work? 

I think you all know the answer.

Bringing the Handicapped in

Sometimes we think that the handicapped are the weakest portion of the population. But, we should remember that they are not 100% handicapped. I have seen many handicapped people showcasing extreme knowledge, talent, and skills. But, they are not capable of doing regular jobs. Accepting their handicap situation, how can we bring them into the money earning demography? 

I think you all know the answer.

Bringing All of Them in

When we are talking about Online Job Market, Freelancing and Outsourcing, we are mostly talking about the youths. Yes, they are our future. But, think how far we can go with freelancing and outsourcing, if we can involve all the unemployed population in Bangladesh. i.e.

  1. The Unemployed Youths
  2. Women (Homebound, Conservative, Mothers, etc)
  3. Senior Citizens and
  4. Handicapped people.

The Dream to be a Medium Earning Country

So, to live the dream as a medium earning country, Bangladesh government should try it’s best to make this industry grow as fast as it can. One of the major barriers to the Freelancing and Outsourcing industry is the online and international payment system. Currently, Payza has been introduced, but Paypal and other sorts of online and international payments are still not possible. Bangladesh Bank here has been playing a conservative role for long time. But, things are progressing and we might see them available in near future. 

Yes, there are defaulters, corrupter  and money launderers. But, for these filthy people, the vast opportunity for the whole population cannot wait. The Government’s job is policing, not making vast opportunity slip out of the hands of the citizens.


          13 Best Practices on Blog Commenting   

Blog commenting has been a great way to rank page for specific keyword. But, that was few years ago, when blog owner used to give away dofollow links to commenters. Currently, almost all the quality blog owners do not provide any dofollow link. So, using blog commenting as a SEO strategy is almost obsolete. However, blog commenting is still good strategy bringing traffic to your site.

13 Best Practices on Blog Commenting

13 Best Practices on Blog Commenting

Keeping that in mind, along with the changes in Google Algorithm, you need to comply with these best practices:

  1. Read the blog thoroughly and try to be on the blogger’s page (i.e. clearly understand it). The clever bloggers know who read the blog and who didn’t, because the content is pinned in his mind
  2. Start your comment by addressing the author/blogger by name, if you do some background check and mention that as well, then the affinity with the blogger increases and he feels ashamed to delete your comment
  3. Don’t appreciate the author/blogger with oily words and leave no comment other than that (we all know today that they are actually spams)
  4. Try to add more information to the article, as if the article is incomplete or you are adding more contents and perspective to it
  5. Try to leave more value to the article, i.e. write such comment that the author/blogger thinks your comment might be valuable to his/her blog readers
  6. Don’t straight away insult or criticize the blogger, start by giving your opposing opinion and reason first, try to make him understand what he has done wrong. Sometimes, if you can show good reason, the blogger updates the post and gives you a credit to your link
  7. Engage the author/blogger in asking witty questions and/or opinions and make sure that after you write your comment, the blogger is 100% tempted to reply you. That way, you can bet that your comment will never get deleted
  8. See other comments and pledge to post better comments than others, rather than being just another brick in the wall
  9. Try to avoid misspellings, grammatical mistakes, technical jargons, ethnic terms, etc. and all those avoidables for written communications
  10. Always try to write in easy to comprehend English, at High School Readability level. Moreover, try not to use sentences that may have double meaning. There are more skimmers than readers. So, try also to write for skimmers
  11. Don’t make the comment too long, use words economically (best use of limited resources)
  12. Try not to leave a link on the post, if the comment section allows you to have name as anchor text. In that case, just start writing some really helpful comment
  13. Always and always leave expert comments. If you are not an expert, then hire an expert to write your comments. If you are not aware, there is a big industry for this.

Please comment below, if you know more. I’ll update and give you credit for that ;-)

© Asif Anwar of SEOPPCSMM.COM - Source: 13 Best Practices on Blog Commenting


          Should SEO and PPC Marry Each Other, Date or Just Stay Single?   

SEO or Organic Search Marketing and PPC or Paid Search Marketing/Advertisement, both have same goal to get your site found through keyword search in varios search engines. So, is the goal so common that they should get married? Or should SEO and PPC date, or just stay single?

Should SEO and PPC Marry Each Other, Date or Just Stay Single?

What if SEO and PPC Get Married?

Let’s define marriage first:

Marriage is about mutual understanding and about the economy of utilizing the limited combined resources in an efficient way for better life, if not, better future.

Well, that’s not a perfect one, but in Economics, it should sound like that. If I translate that for corporate language than it would be this:

Mutual Understanding between SEO & PPC

If SEO and PPC are operating differently, then they are learning in different ways. This can mean doing the same homework over and over again. Not doing the homework separately is very healthy for the economy. That’s why we see the giant companies acquiring (or marrying) the small companies. So that, the homework is not done again in the same economy. Even though, the giants have the setup to do it all over again. But, that’s bad for the industry. You are increasing the competition without adding any value to the economy.

So, whoever the husband between SEO or PPC is, both of their understanding can help each other greatly. PPC can use the learning from SEO and vice versa to reduce marketing cost and increase ROI. Isn’t that what the companies and advertisers are looking for? With mutual understanding, they can mutually reduce their homework and add value to the economy.

Utilizing Combined Resources

Before marriage, you probably have been using a small blender for milk shake that served your single user need. But, after marriage you can afford a better blender, which costs less than 2 blenders alone. i.e. you can also cut the capital investment and cost if you have SEO and PPC together. Moreover, they also can interchange their duties to perform other important tasks for the growth of your business.

Utilizing Limited Resources

You definitely have a budget for your marketing, from which you can’t go beyond. So, you should economize on getting more sales with less money. Since you are in fixed budget for SEO, you can cutout the variable budget for PPC, when you have competitive advantage in organic results for a specific keyword. So, for PPC you can only explore the markets, where you don’t have competitive advantage on. That’s should make the great use of your limited budget. So, managing these in separate units would mean extra cost for you, since there wouldn’t be any synchronization between these two units.

Utilizing Resources in an Efficient Way

When you have total understanding of your Search Marketing, you can have the flexibility to implement your strategy and set the players in the field. Thereby, you can play a good and strategic game utilizing every resource efficiently. Moreover, you can also reduce waste or spillover, which is a major factor in reducing cost and maximizing profit.

Enjoying a Better Life

Companies can gain greater ROI from the marriage and the management can also get all the information for their strategy from one source. So, that’ll make life easier and comfortable. It is obvious that combined SEO and PPC saves money for you. In return, you get greater ROI.

For a Better Future

In harsh situations, when comfortable life can’t be ensured, marriages are made in the intention to have better future. Investments are also like marriages craving for better future. Getting the reward right away isn’t possible. Combined investment in SEO and PPC can mean quicker break even. Moreover, as resources are utilized efficiently, the chance of having better life is quicker than having them separated.

What are alternatives if they can’t marry each other?

Date Each Other?

Now, if it happens that SEO and PPC can’t marry, then they can go out on dates from time to time to share things together. Even if they are separate, they should share each other’s learning from time to time by synchronizing each other and go toward a mutual understanding.

That way, some cost for advertising and marketing can be reduced by removing ad spending away from PPC, when SEO has organically reached its goal for a specific keyword. However, it can be more time consuming if you are to synchronize learning within these units.

Be Neighbors?

If they don’t synchronize, then the best way to learn from each other is by staying in the same premises and experiencing social and corporate activities together. That also can expand their learning. This can also mean hiring same internet marketing agency with separate units running campaigns with separate PMs.

What happens if SEO and PPC are Single?

SEO and PPC in the isolated island may mean loss in terms of the many benefits I mentioned above. But, not always their marriage is necessary. Their marriage can encourage cost reduction. But sometimes for the sake of online branding and converting visitors into sales takes more than just strict control of organic search marketing and paid search advertisement.

In the sales funnel, from visitors to sales, the communication and information feeding should be made several times before the purchase. So, limiting your doorways for the visitors to your business can harm you, if you are planning to sale big.

In case of online sales funnel, remember that:

  • Not all search engine visitors are your customers,
  • All those that find you when searching may not be your customer,
  • All the people that return to your site, doesn’t mean that they will make an inquiry,
  • All the people that makes an inquiry about your product or services, doesn’t mean that they will purchase your product.

So, in all stages of the sales funnel, there should be multiple ways for the visitor to get information about your company or product. If you have done SEO and simultaneously running PPC for content network (AdWords for AdSense), the chances are, when the visitor is reading something related, s/he might come back to your site.

Otherwise, after going a long way, the visitor might buy from the last good outlet s/he could remember, even though you were in top of the search (SEO efficient) when s/he found you earlier.

This happens to us always, when we go to a special product mall. Everyone visits the front stalls, but you happen to buy from a stall inside the mall. There is almost no extra competitive advantage for being the front stall (SEO effecient), when you have product that visitors always move around to find a good bargain. Getting these temporarily lost customers back to your site for sale is called retargeting. So, for retargeting, you need to be more liberal on SEO and PPC.

Another fact is, the objectives of SEO and PPC is not same. Most of the time PPC concetrates on Conversion and SEO on Branding & Reputation Building. I said “most of the time”, not “always”. e.g. Most popular keywords may not convert well and will mean unnecessary PPC spending on visitors that are not in action mode to purchase. But, popular keywords are good for Branding and Branding is one of the major targets for SEO. This difference in objectives is a good reason to stay in separate units.

Confused about marriage of SEO & PPC?

Well, if you have a product that visitors doesn’t care much about going for a good burgain (usually for cheaper products), having SEO and minor PPC dating is sufficient. If you are a small company, then having SEO and PPC get married would be a right choice. If you want to sell big, then SEO and PPC should stay single.

© of SEOPPCSMM.COM - Source: Should SEO and PPC Marry Each Other, Date or Just Stay Single?


          Is SEO Expenditure an Expense or Asset? Or Does SEO Cost influence Profitability?   

Your website is your intellectual real estate. Even though, you bear annual variable cost of maintaining the site, the cost never can be labeled as expense. After finishing your site, Search Engine Optimization (SEO) and Pay Per Click (PPC) to market your site, are they expense or adding value to your website? Let’s start with some definition:

Expense in terms of asset: The portion of the asset given away as variable cost for specific utility that has no reusability and to get the same utility, you have to pay again. e.g. advertising cost.

Asset in terms of expenditure: The expenditure invested as fixed cost for specific utility that has reusability. So with the investment, you get the same utility for a certain period of time. Please note that all assets are perishable, except for real estates. e.g. your computer is an asset not expenditure, but if you rent it, then it is expense.

Is SEO Expenditure an Expense or Asset? Or Does SEO Cost influence Profitability?

The accounting formula

Asset = Liability + Equity

i.e. Equity = Asset - Liability

In another analogy, Profitability = Capital – Expense

According to this formula, you can get more profit by decreasing expenditure or increasing capital. So, the more you add value to Capital, the more the profitability, even if you have to spend some expense to increase it. e.g. when you buy an asset, it does not get accounted into expense, rather into Asset or Capital.

Now, in terms of gaining profitability, how should the expenditure on SEO be labeled? As “Capital” or “Expense”? If it is a Capital Investment, then it will increase profitability, otherwise if expense, it will decrease your profitability.

Now, investment in SEO an expense or asset? 

In cost type analogy Profit = Fixed Asset - Variable Expense

Remember that cost on capital is fixed in nature, but expense can be variable. In that sense, PPC is an expenditure for your marketing. It is instantly perishable and each time you have to buy advertisement to get customers to your site. PPC is also a variable cost. So, this affects the expense, not the asset.

But, SEO is not like that. Because, it is not intended for short term marketing. SEO has reusability and brings you customers even after the SEO is finished. SEO expenditure has no attribute to be labeled as variable cost. Once you have done SEO on your site, you have added more value to your site, which in turn can have resale value. It’s not just $10 site anymore (the dollar amount you used for purchasing the domain).

So, SEO expense is a capital expenditure which increases your asset and should never be treated as expense that makes your site a marketing machine. 

Does SEO Cost influence Profitability?

We have tried to convince some customers that SEO doesn’t affect your profitability. Because, it becomes your asset. And asset is not expenditure that would negatively influence your profitability. The perishable behavior of SEO, may make it seem like expense. But, all assets are perishable. And we own a lot of short timed assets. So, if SEO expenditure is an asset, then you are increasing investment, not giving away money.

Can Advertising Convert into Asset?

Goodwill is something that has economic value. So, it is an asset. And achieving this involves much cost on marketing and advertising. Without marketing and advertising good will never can be achieved. If you consider long term affects, then advertising can also be converted into assets.

So, the next time you spend money on SEO and advertisement (for good will) in an effective way, don’t worry about the profitability of your company, brand or site.

© of SEOPPCSMM.COM - Source: Is SEO Expenditure an Expense or Asset? Or Does SEO Cost influence Profitability?


          Cooling Assistance Available for Seniors, People with Medical Conditions   
By The Jamestown Sun
The North Dakota Department of Human Services and the North Dakota Department of Commerce’s Division of Community Service are reminding North Dakotans that cooling assistance is available for seniors and people with certain medical conditions who qualify for the Low Income Home Energy Assistance Program (LIHEAP).

“The summer months can bring extreme heat and humidity that can create challenges for seniors and people with health issues,” said Carol Cartledge, director of the Department of Human Services’ Economic Assistance Division. “The cooling assistance program provides help to eligible low-income households and our most vulnerable citizens to help prevent heat-related illnesses.”

Cartledge said program funds can be used to help qualifying households purchase and install a window air conditioning unit, repair an air conditioning unit or purchase oscillating or window fans. Work is completed by a Community Action agency located in the state’s eight largest cities.

To qualify, current energy assistance clients under 60 years old need a signed statement from a physician, physician assistant, nurse practitioner or public health nurse verifying their medical condition and the need for a cooled living space. They must provide that information to a county social service office. Clients age 60 and over are not required to get documentation of a medical need.

People who are not currently energy assistance program clients may also qualify. A three-person household earning up to $44,665 per year may qualify if their assets meet program limits. For information on qualifying incomes, visit http://bit.ly/1kVqakw.

Individuals should contact their county social service office to apply for the program before Sept.29. Contact information is online at http://bit.ly/2cuxown.

The Department of Human Services and the North Dakota Department of Commerce work together with county social service offices to address the heating and cooling needs of low-income individuals.   

LIHEAP is a federally-funded program that primarily helps qualifying households meet the cost of home heating. This past heating season, the program served about 12,100 households statewide. Last summer, 186 households participated in the cooling assistance program.

Cooling Assistance Available for Seniors, People with Medical Conditions - The Jamestown Sun

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          North Dakota Economic Development Foundation Announces New Board Members   
Commerce Commissioner Jay Schuler announced five new members of the North Dakota Economic Development Foundation board today, Perry Miller, a business leader from Wahpeton; Tommy Kenville, founder of Tglobal Inc.; Gene Veeder, McKenzie County Commissioner; Jared Melville, former Vice President for the North Dakota Student Association; and .
 
“This group of individuals brings a wealth of experience and understanding of the business community and will be a great addition to our board.” Schuler said. “I am confident our new members will provide private-sector guidance, helping us to create strategic plans to strengthen and broaden North Dakota’s economic development."
 
Miller, a native of Wahpeton, works with the purchase, renovation and management of apartments, hotels and other commercial properties. Miller has served as a township supervisor and Richland County commissioner and is a current member of the Wahpeton City Council. In addition, he is a board member for the Wahpeton Community Development Corporation, Richland-Wilkin United Way, Wahpeton Recreation Committee and ND Farmers Union Policy Committee.
 
Kenville of Grand Forks, is the founder and president of Tglobal Inc. He is also a consultant with Center for Innovation as Rainmaker and VP of Development. Kenville established T-Kort LLC and founded Unmanned Applications Institute International. He serves as Managing Member for University Hotel Development LLC and chairs the Valley Angels investment fund.
 
Veeder of Watford City, is a county commissioner and served as the Executive Director of McKenzie County Job Development Authority and Tourism Bureau. Veeder serves as President of the Theodore Roosevelt Expressway and is on the board of directors for McKenzie County Water Resource District and the Western Area Water Supply. He has been recognized as the Governor’s Choice Economic Developer of the Year and for Outstanding Achievement in County Government from the North Dakota Association of Counties.
 
Melville, a native of Fargo, is the former Vice President of Governmental Relations for the North Dakota Student Association. A third-year student studying Business Administration and Political Science at North Dakota State University, Melville now serves as the Chief Justice of the NDSU Student Government’s Student Court. Melville has received awards on the regional and national level for competing in collegiate forensics as the President of the NDSU Lincoln Speech & Debate Society.
 
Batcheller of Fargo, is the Chairman and CEO of Appareo Systems LLC. He has been involved in the startup of six successful companies and has served as director of technology growth at Deere & Co. Batcheller has served on the boards of Xata Corporation, MeritCare (now Sanford Health), and the Fargo-Cass County Economic Development Corporation. He is a past president of the NDSU Alumni Association Board of Directors, and is currently serving on the boards of the NDSU Research and Technology Park and Amity Technology LLC.
 
The North Dakota Economic Development Foundation is a private foundation established by the Legislature in 2001 to provide private-sector guidance and oversight of the state's economic development efforts. The Foundation board helps create strategic plans to strengthen and broaden North Dakota’s economic development.
 
The Foundation establishes and maintains a strategic plan for economic development managed by business leaders from all corners of the state. The board meets quarterly to monitor progress toward economic development goals, to discuss major business and economic issues, and to offer suggestions for improving North Dakota's business climate. Each member of the board serves a two-year term.
 
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          Making It: Manufacturers Confident About Future of Industry   
By Grand Forks Herald
Manufacturing is on an upward trend both in North Dakota and Minnesota, and regional companies say they are confident the sector has a bright future.

There were 319,000 manufacturing jobs in Minnesota as of Thursday, according to the Minnesota Department of Employment and Economic Development (DEED). A 2014 study from the department projected jobs would drop from 312,000 jobs in 2014 to 297,500 jobs in 2024, but for now, it appears Minnesota has been adding jobs in the sector.

"We actually have not seen a downturn since 2014," DEED spokesman Monte Hanson said, adding Minnesota's rate of adding jobs year over year is 0.9 percent versus the national average of 0.5 percent. "We are almost double the national rate."

North Dakota had 24,100 manufacturing jobs as of May, according to Job Service North Dakota. Though that was a slight drop from last year at that time—24,500 jobs—Job Service expects the industry to grow slightly through 2024—the annual rate should be 0.6 percent.

On top of that, manufacturers, at least in Minnesota, are confident about the future of the industry. A DEED study released in January stated 90 percent of the respondents expect production levels will increase or stay the same this year. That's compared with 86 percent for 2016.

"For the most part, the outlook is bright," Paul Eidenschink, chief operations officer for North Dakota manufacturer Steffes, said of the manufacturing industry. "I think there are lots of opportunities."

By the numbers

About one in nine workers in Minnesota are employed in manufacturing, according to DEED. The industry produced 16 percent of the state's gross domestic product in 2015, making it the second largest industry in the state, the economic department said.

On the west side of the Red River, manufacturing makes up about 5.8 percent of North Dakota's GDP, said Andy Peterson, president and CEO of the Greater North Dakota Chamber.

"It is something that North Dakota should put more emphasis into," he said, adding there is room to grow.

Manufacturing isn't as widespread as North Dakota's top industries—the energy sector, agriculture and tourism. Peterson said the state has the opportunity to change that.

Still, it's an industry that can complement the state's top sectors.

While there are manufacturing jobs across the state, the majority seem to be concentrated in the Red River Valley, with Cass County being the only one that beats out Grand Forks County for the number of jobs—Cass County had about four times the manufacturing jobs of Grand Forks County in the fourth quarter of 2016, according to Job Service.

In Grand Forks County, which on average had 2,352 manufacturing jobs last year, companies like Steffes have expanded in recent years. The company is a staple in Dickinson, N.D., where it was founded about 45 years ago.

Steffes has manufactured snowmobile skis, hopper bottom storage bins and furniture frames in the past, but as the oil boom got underway it began building products for the energy sector. In the last five years, it decided to buy two facilities in Grand Forks, where it now produces a variety of products, including oilfield skids that separate gas from oil, pressure vessels, flare equipment and agricultural products through manufacturing contracts.

Eidenschink said Steffes tends to adjust what it manufactures depending on demand. For example, in 2014, it sold its oil tank facility in Dickinson to Worthington Industries, and in 2013, it produced its first modular treater skid.

"We think of ourselves as an innovation company," he said. "Our goal, of course, is to meet the needs of our customers, to solve problems for them to make them more successful."

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