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Entrepreneur educational seminars held for the benefit of the people by us

BarcelonA – AnarquistA *
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Image by Sterneck

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BarcelonA – AnarquistA *
Photo-Report – March 2014
www.flickr.com/photos/sterneck/sets/72157643657256375

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Barcelona – Arte Rebelde *
Photo-Report – March 2014
www.flickr.com/photos/sterneck/sets/72157643655743885

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Wolfgang Sterneck:
In the Cracks of the World
Photo-Reports:
www.flickr.com/sterneck/sets
Articles (german / english) :
www.sterneck.net

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JO TAMBÉ ESTAVA AL PARLAMENT… I HO TORNARIA A FER

El dia 31 de març comença el judici contra les 20 persones imputades per l’intent de bloqueig del Parlament del 15 de Juny del 2011. Aquell dia s’anaven a iniciar el tràmits per aprovar els pressupostos amb el primer paquet de retallades a Catalunya, que va propiciar el tancament d’empreses públiques, la privatització de la sanitat, les retallades al sector de la cultura, educació, etc.

La mobilització “Aturem el Parlament” va succeir dues setmanes després del brutal desallotjament de la Plaça Catalunya a mans dels antidisturbis dels Mossos d’Esquadra a les ordres del que era conseller d’Interior i ara ho és d’Empresa i Ocupació, Felip Puig. També responsable del dispositiu policial que va disparar contra l’ull d’Esther Quintana.

La criminalització per part de la premsa subvencionada pel Govern i l’escalada repressiva que va venir després (judicis contra persones que volien impedir un desnonament al Clot, nombroses detencions a les vagues generals, multes absurdes per les persones que es manifestaven o per enganxar cartells, etc), va ser i és encara, una resposta planejada per procurar frenar l’augment de la indignació i de la força de les protestes populars contra el poder polític, econòmic i altres injustícies quotidianes, com el patriarcat i el racisme.

Durant aquells dies, la gent es va organitzar arreu per construir política des del carrer, com moltes seguim fent. La política que volem és assembleària, horitzontal, autogestionada, sense representants, és del poble i per al poble, i xoca amb la política institucional que ens governa. La qual ha estat protagonista d’un espiral de corrupció i de tenir llaços, sovint familiars o personals, amb grans empreses privades que reben encàrrecs d’obres públiques i amb els peixos grossos del poder financer.

Aquell dia érem milers de persones les que vam anar a intentar aturar el Parlament, per combatre el drama de tantes vides immerses en la misèria, els acomiadaments per les retallades, els suïcidis pels desnonaments, etc. Perquè moltes d’aquestes barbàries s’aproven dins dels murs d’aquest edifici. Per aquest motiu estàvem assenyalant els culpables el 15 de Juny de 2011 i per això mateix, ho tornaríem a fer sense por, perquè legitimem la nostra actuació, i perquè si la gent del carrer, a qui ens afecta tot això, no lluitem, ningú altre ho farà per nosaltres.

Sabem i tenim clar que aquest és un judici polític, una farsa per atemorir a aquelles que decideixen plantar cara i actuar contra els responsables de tanta precarietat. De fet, ens reafirmem al comprovar que l’acció directa contra els poderosos i generar alternatives de vida els molesta, i molt. Per això, i perquè som conscients del poder que podem tenir quan ens organitzem, no ens volem doblegar davant les seves intimidacions i fem una crida a estendre la solidaritat a aquells i aquelles que pateixen la repressió i la violència quotidiana d’aquest sistema econòmic, en les seves infinitats de formes.

Convoquem manifestació el dia 29 de març a Barcelona a les 18:30 a Plaça Catalunya.

SOLIDARITAT AMB TOTES LES REPRESALIADES I AMB AQUELLES QUE LLUITEN!!

La propera vegada que agafin un helicòpter, que sigui per marxar ben lluny i no tornar a molestar!

encausadesparlament.wordpress.com

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I was at the Catalan Parliament too…
and I would do it again

On March 31st the court case against the 20 people who are charged with an attempt to block the Catalan Paliament on June 15th 2012 will begin. That day in June, the process of implementing the first round of budget cuts in Catalonia began. Cuts that involved closing public companies, the privatization of health care,as well as cuts in the area of culture, education, etc.

The mobilization “Aturem el Parlament” (“Paralize the Parliament”), took place two weeks after the brutal eviction of Plaza Catalunya (Barcelona), by the riot police Mossos d´Esquadra under the command of Felip Puig. He was the minister of the Interior at that time and is currently the minister of companies and labour. He was also responsible for the police operation that shot Esther Quintana in the eye.

The criminalization by the media (that is funded by the state) and the increase of repression which followed (court cases against people trying to prevent an eviction in the neighbourhood of el Clot, many detentions during the general strikes, absurd fees for people protesting or hanging banners with tape etc), was, and still is, a planned response to try to stop the rise of outrage and the strength of popular demostrations against economic and political power, and other daily injustices (such as patriarchy and racism).

During those days, people organized themselves all over to build and create politics from the streets, as many of us continue to do. The politics we want are based in assemblies, horizontal, self-organized, without leaders; they belong to the people and they are for the people, and clash with the institutional politics which govern us. The same institutional politics and their protagonists are creating a corruption spiral and have relationships, mostly family-based, with private companies (that receive contracts for public constructions) and with high-up people with economic power.

That day we were thousands of people trying to paralyze the Catalan Parliament in order to fight the drama of so many lives embedded in misery, the layoffs due to the cuts, the suicides due to evictions, etc. Because many of these atrocities are approved behind the walls of that building. This is the reason that we were pointing out the guilty ones that 25 of June 2012, and because of this, we would to it again without fear. Because we legitimize our action, and because if we, the people from the street -whom are the most affected-, don´t fight, nobody will do it for us.

We know that this is a political court case, a farce to scare those who decide to stand up and take action against thoseresponsibleforall this precariousness. In fact, we reaffirm our ideals and actions after proving that direct action and the creation of alternatives of life bothers them, a lot. Because of this, and because we are aware of the power we can have when we are organized, we don´t want to bow down to their intimidation. We call for a spread of solidarity for all the ones who suffer daily repression and violence within this economic system, in its infinite shapes.

SOLIDARITY WITH ALL THE REPRESSED AND THOSE WHO FIGHT!!

The next time that they take an helicopter, it should be to go far away, and not come back to bother us.

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Repression in Spain. A call for international solidarity

During the last three years Spanish society has witnessed a period of intense social protests against austerity, corruption, unemployment and so on. As in other times in history, the greater and more radicalised the protest the bigger the repression that the state organises against it. Since the general strike in September 2010, a common trend of this repression strategy is been a kind of ‘laissez faire’ in the streets but followed by ´selective´ detentions months later. Police have been literally knocking doors down of those who continuously take part in different actions and demonstrations, and consequently dozens of people have been arrested.

On June the 15th 2011, ten thousand people surrounded the Catalan parliament in Barcelona. That day the government wanted to approve a vast austerity cut in health and education, and the idea was to block politicians from getting into the building. “Inexplicably” the police did not protect some politicians, which caused direct confrontation with protesters, and of course that fact was used by the media as an example of violence against democracy. After that, people were violently dispersed, and the MPs could do their job.

On October the 4th 2011, 22 people were arrested in their homes. They have been accused of a crime against the state, using a law designed for coup leaders and that had never been used before in Spain. They now face a penalty of up to 8 years in jail, whereas some of them have been also accused of different crimes related to other demonstrations. The trial will start in March the 31st 2014 and it is expected to last four days.

There will be a national day of solidarity in Spain on March the 29th with demonstrations in several cities. So we also call for international solidarity.

You can call, email or block different Spanish embassies or institutions. Or you can do whatever you consider appropriate…

“That day we tried to block the Catalan parliament to combat the drama of many lives immersed in poverty, layoffs by cuts, suicides by evictions, etc. Because many of these atrocities are approved behind the walls of that building. We were pointing at the guilty, and because of that we would do it again without fear. We know this is a political trial, a farce to scare those who choose to stand up and take action against those responsible for such precarious living conditions. In fact, we reaffirm it to find that both direct action against the powerful and generate alternative lives bothers them a lot. For this reason, and because we understand the power that we can have as we organise ourselves, we do not want to bow to their intimidation and we make a call to extend solidarity to those suffering the daily repression and violence of this economic system, in its myriad forms”.

encausadesparlament.wordpress.com/manifest-suport/manifes…

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Many type of education are introduced in these days that provide us a lot of benefit and make our future, some education are very necessary for improvement and build the personality of ourselves. Now in these days lot of educational courses are available in the market, every subject has its own specializations courses. Entrepreneur Education are also very famous in these days, this education will be too much beneficial for us.

Entrepreneur Education is basically a new kind of education, but this education is too much beneficial for the persons to their future. Now in these due to over population and unemployment many type of education are not making a progress, due to this type of reason many business are going to deficit budget. A large number of businesses a going the deficit due to lake of business information and have the less knowledge about this field. Wrong choice of business is also the big reasons to flops the business.

We also teach the subject of Entrepreneur Education and large number of student gets the benefits from this type of educational program. Basically this education develop the ability in the people to create the idea of the business that you start in the future, second step is collect all the data from the market related to their idea this information help the people in future that how handle his business, if the collected data is wrong then, the business to making a progress and flops.

Many type of education are introduced in these days that provide us a lot of benefit and make our future, some education are very necessary for improvement and build the personality of ourselves. Now in these days lot of educational courses are available in the market, every subject has its own specializations courses. Entrepreneur Education are also very famous in these days, this education will be too much beneficial for us.

Entrepreneur Education is basically a new kind of education, but this education is too much beneficial for the persons to their future. Now in these due to over population and unemployment many type of education are not making a progress, due to this type of reason many business are going to deficit budget. A large number of businesses a going the deficit due to lake of business information and have the less knowledge about this field. Wrong choice of business is also the big reasons to flops the business.

We also teach the subject of Entrepreneur Education and large number of student gets the benefits from this type of educational program. Basically this education develop the ability in the people to create the idea of the business that you start in the future, second step is collect all the data from the market related to their idea this information help the people in future that how handle his business, if the collected data is wrong then, the business to making a progress and flops.

Our institute of this education is one of the best institute of the city many students get the benefits from our school. One of the best specialties of our institute is our staff, all the staff is well educated and has too much experience about this field. These teachers create the ability that how to develop the idea of the any type of business, that is too much beneficial for them.

Entrepreneur Seminar are also held by many institute, that show the many better affect and motivate the people to get the knowledge of this education. This education makes the life and develops the business of the persons.

We also held the Entrepreneur Seminar; our seminars are too much different from the other seminars those are held by other institute. Our seminars are full of information related to this and many time times we get the awarded from the government. Our institute gives the different type of education packages that is very affordable for the customers. The big reasons of the low price education plans, that our main motto is not to earn just money, but provide the high quality education facility to the people. If you want more information about us, then you must visit our website. http://roguecfoblueprints.com/Fund-Your-Startup-eBook-FYS-eBook.htm These teachers create the ability that how to develop the idea of the any type of business, that is too much beneficial for them.

Entrepreneur Seminar are also held by many institute, that show the many better affect and motivate the people to get the knowledge of this education. This education makes the life and develops the business of the persons.

We also held the Entrepreneur Seminar; our seminars are too much different from the other seminars those are held by other institute. Our seminars are full of information related to this and many time times we get the awarded from the government. Our institute gives the different type of education packages that is very affordable for the customers. The big reasons of the low price education plans, that our main motto is not to earn just money, but provide the high quality education facility to the people. If you want more information about us, then you must visit our website. http://roguecfoblueprints.com/Fund-Your-Startup-eBook-FYS-eBook.htm

Now in these days lot of educational courses are available in the market, every subject has its own specializations courses. Entrepreneur Education are also very famous in these days, this education will be too much beneficial for us.

We also held the Entrepreneur Seminar; our seminars are too much different from the other seminars those are held by other institute. Our seminars are full of information related to this and many time times we get the awarded from the government.

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Restoring Business Confidence

Hard times at the bottom of the Bush economy
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Image by Renegade98
From a tent city in Reno to a drug dealer’s block in Detroit, I saw how Republican rule has hit those living on the American fringe.

By Dan Hoyle

Oct. 13, 2008 |

The Flying J Truck Stop outside of Jerome, Idaho, has some of the cheapest gas in the area, so on a Tuesday afternoon in late September, vehicles were lined up at its 16 pumps. For Rickie S., this would normally mean brisk business — he’s been an itinerant polisher of semitrailer wheels and hubcaps for the past 26 years. He doesn’t have a résumé or calling card but insists his work is world-class. “Get on a CB and ask about Rickie — I’m known coast to coast,” he says. But lately the truckers, who have been crunched by high gas prices for months, have been reluctant to hire Rickie even for a few bucks to buff and shine their rigs.

Business has gotten so bad that Rickie, who is 50 years old, has decided to abandon his trade.

“I’m done. I just threw away my rags, all my polish. You can’t make any money doing that anymore,” he says, taking a seat on his Army duffel bag and pushing back his Conway trucker’s mesh cap. He glances at the dirt caking the rims of my van, accumulated over 11,000 miles of traversing the country since June, and shares his story of economic blues. “I’ve got three blankets, two dollars, one beer and a 50 percent chance of survival,” he says. “This economy is bad, man! And guess what? The buck stops here.”

With the American financial system in crisis, politicians in both parties have taken every opportunity to denounce the corporate pirates of Wall Street and sound off on behalf of the anxious working majority. But far off embattled Main Street is another troubling picture of the nation’s economic swoon, where the working poor and lifelong scrappers struggle to keep from sliding onto Skid Row. For those on the bottom rung of the economic ladder, the current crisis is in a sense a mere aggravation of years of hard times. But for some it has turned particularly harsh.

According to the U.S. Census Bureau and the Bureau of Labor statistics, the national poverty rate increased from a record low of 11.3 percent in 2000 to 12.5 percent in 2007 — an increase of approximately 5.8 million Americans living below the poverty line. “In George W. Bush’s presidency, there’s been an almost total absence of benefits of growth trickling down to the middle class, much less to those at the bottom,” says Jared Bernstein, an economist with the left-leaning Economic Policy Institute, whose extensive writing on the working poor includes the book "The State of Working America." The nation’s unemployment rate has risen from 4 percent in 2000 to 6.1 percent at present. Bush’s economic policy has been marked by tax cuts largely beneficial to the wealthy, while federal funding for many programs helping low-income people has not kept pace with inflation.

Traveling around the country for three months this summer and fall, I found abundant evidence of an economy under strain. At the truck stop in Idaho, amid overgrown lots in run-down Detroit, at idle slot machines and in a dusty tent city in Nevada, I met people struggling to survive on the fringes of the faltering economy. Many were suspicious of a journalist’s inquiries and wary of divulging personal information (including their last names). But they were outspoken about the way economic hardship has hit home in recent months.

In Jackpot, Nev., a casino town of 1,416 people, Olivia A., 38, waits tables at Barton’s Club 93 Casino. She is a lot less busy these days, even with the prime rib special dinner on a recent Monday going for the tantalizing price of .98. The casino is not empty — there are still a few older women pulling on long, thin cigarettes and feeding slots with names such as Winning Times and Stinkin’ Rich — but Olivia says business is way down. As a result, her hours have been cut. A mother of three, she never expected to be struggling so hard to pay the bills when she left her job as an accountant in Mexico more than a decade ago to come to the U.S. with her husband. Leaving a middle-class job in Mexico was difficult, yet worth a better life for her children, she had thought.

But lately, every day seems less of an improvement over her previous life in Mexico. “Sometimes, I think about going back,” she says. “the only reason I’m here is for my kids. Back home I was a professional. I had a completely different life.”

The severity of the downturn can also be seen beyond the legal edges of the economy. On a recent Sunday afternoon on Jefferson Avenue, in Detroit’s notorious East Jefferson neighborhood, Joe, 37, is dressed in street-business casual: a white Adidas T-shirt, gray stonewashed jeans, white Adidas sneakers and a black do-rag. But the tattered state of his attire is a telltale sign that sales are down at his corner drug business, where he waits anxiously for today’s payday to come from across Alter Road. Three blocks to the north, the boarded-up storefronts and treeless sidewalks here give way to a leafy, boutique-strewn lane of Jefferson Avenue in Grosse Pointe, the wealthy suburb that is home to many of the top engineers and executives of the American auto industry. They have been some of Joe’s most profitable customers over the years. “When a white person come across Alter Road, they might spend 0 at a time,” explains Joe, “whereas round here, people only looking for dimes and nicks [ and bags].”

Over the past year, Joe’s big buyers from the suburbs have been cutting back. Like everyone else in the Motor City, Joe has felt the impact of losses at Ford, General Motors and Chrysler. “As goes the Big Three, so go Detroit, and I mean everybody,” says Joe. He grew up on welfare, and admits to being “knee deep in the drug game” since he was 15 years old, but he complains that he is even less shielded from the economic crisis as a part of the illegal and informal economy. He says he has been struggling to make child support payments for two kids. “At least the autoworkers get memberships to Sam’s Club and Costco. We have to buy our Pampers at the corner store for !”

Detroit has the highest poverty rate of any American city at 33.8 percent, with many blocks boasting only a lone house surrounded by fields of overgrown weeds. Watching the cars pass by, Joe eyes a yellow BMW. “Right there! That dude spent about 0 last week right here on this corner,” he declares. “But he didn’t come round last weekend like he normally do. You know he’s thinking, ‘I can’t be blowing money now. I might lose my job.’”

Economists across the board agree that this decade has been nothing like the 1990s, which saw sustained, healthy economic growth at most levels. Still, Rea S. Hederman Jr., an economist at the conservative Heritage Foundation, seeks to paint a less bleak picture when it comes to the plight of the working class. He notes that consumption inequality has increased far more slowly than income inequality, as more and more people at the bottom of the economic ladder own cellphones, dishwashers and microwaves. Hederman, preferring the term “pro-growth” to “trickle down” economics, also points to a long streak of positive job growth numbers from August 2003 to January 2008.

But with regard to those numbers, Bernstein, of the Economic Policy Institute, says that the period from March 2001 to December 2007 was “the worst business cycle on record for job growth, and you won’t find an economist to disagree with that," with jobs growing at just 0.7 percent annually, well below the 2 percent annual average. Put another way, in the 1990s, 21 million jobs were created, according to the Bureau of Labor Statistics, while in this decade only between 5 and 7 million jobs have been created, according to various estimates. (The decade isn’t over yet, but few economists are likely to be predicting a bonanza of job creation in the two years remaining.)

A stark picture of what it means to be down and out these days has cropped up just four blocks from the towering casino hotels of downtown Reno. After a local homeless shelter reached overflow capacity this spring, people began pitching tents in the dirt of an open lot; a tent city of more than 50 structures has since sprung up. On a warm late September afternoon, I weaved my way around people’s makeshift homes, some adorned with T-shirts featuring arty designs, others guarded by plastic animal lawn ornaments. People’s stories were a potent mixture of misfortune, bad decisions and dwindling opportunities.

In recent times, Bill Rosenbaum, 48, was installing carpet for new subdivision homes in Southern California and Arizona, traveling so much that he found it easier to stay in hotels. Then his van blew out and the home foreclosure crisis crippled the market for new carpet installation — and he was homeless for the first time in his life. He recently found a day job picking up pine cones for a rancher outside town. He hopes to save enough money to buy a new van and start his business back up.

Tammy Tyra, 47, of Seymour, Texas, was a trucker for the Landstar Carrier Group until last November, when she started having seizures. Diagnosed with epilepsy, she was forced to quit. Unable to find a new job, she eventually found her way to the tent city in Reno. She put her goal in simple terms: “I want to get me a freakin’ job!”

Alden Collins, 56, lost his job when he refused to take a pay cut from to an hour at a restaurant in Lake Tahoe. As he told his story, it quickly devolved into a song. (His friends nearby noted that he had been off his medication recently.) Nashing his teeth between notes, and banging his foot in the dirt to keep time, he sang, “Trying to go to work/ yeah yeah yeah/ but workin’ in the dirt just don’t work for me.”

Many of the people at the tent city suffered from mental health issues, and as social programs have been cut, they have less access to services. Those at the bottom have suffered in multiple ways, Bernstein says. “They’ve been hit on two sides. The markets are letting them down, and our government is letting them down.”

Debbie Weinstein, executive director of the Coalition on Human Needs, a Washington-based advocacy group for low-income people, says that “there’s been a great deal of shrinkage of a bunch of different kinds of services.” The organization has tracked 97 federally funded programs during Bush’s second term in office; according to data from Weinstein, federal funding for all but 13 of the 97 programs failed to keep up with inflation. Funding for major initiatives such as the Center for Mental Health, Adult job Training and Homeless Assistance Grants (which have budgets in the hundreds of millions of dollars), was down between 8 and 17 percent in inflation-adjusted dollars from 2004 to 2008.

According to both Bernstein and Hederman, those at the bottom usually receive less attention in times of economic crisis. They are a politically insignificant group compared to the broad American middle class, and expressing support in policy terms for the poor, who are often seen as lazy recipients of the un-American handout, can be risky for a politician in a close election. “The poor have been pretty invisible on the political stage,” Bernstein says. “It’s usually only in boom times that we look at those issues closely, and people debate if there are policy failures or they are just lazy bums.”

“I’d like to think people are more sympathetic in terms of volunteerism and charitable contributions," Hederman says. But a bad economy can get in the way, he says. "People are also looking to save in case things get worse.”

Setting aside any moral imperatives to aid the working class and poor, it’s evident that the relative health of this population tells us something about the state of the country.

At the truck stop outside Jerome, Idaho, Rickie speaks of two decades as a troubled but hard-working independent contractor to truckers across the country. On a good day he said he could make 0 to 0 polishing rigs; lately, he was lucky to make to . He expresses sharp frustration with the truckers, many of whom were loyal customers for years. “I feel like getting on that CB radio and saying, ‘Y’all are the sorriest motherfuckers I know, driving around the country with dirty wheels and dirty trucks. You gotta have some pride in your ride!’”

He cocks his head and watches a 18-wheeler with dirty rims easing out into traffic. “But people just don’t have any money for that anymore," he adds. "I know.”

— By Dan Hoyle
SALON.COM
www.salon.com/news/feature/2008/10/13/bottom_of_Bush_econ/

Our country is facing a number of problems right now. Unemployment has continued to be high. We have huge deficits for as far as the eye can see. Our nation debt is around $ 14 trillion and growing. Our politicians in Washington have been more focused on the expansion of government services, and regulating businesses, than understanding what it takes to stimulate our economy. Some seem to believe that any dollar spent is stimulative by nature. But not every dollar is spent equally. Dollars spent by the government is only reshuffling the deck. Dollars spent by consumers help businesses to grow. And dollars spent by businesses is what creates jobs and wealth in our country. And what is the best way to grow our economy? By creating a positive business atmosphere where businesses look for opportunities to create jobs and create wealth.

The business community has been sitting on the sidelines, and it’s contributing to a sluggish economy. The economy and the markets do not like uncertainty, and they have been faced with nothing BUT uncertainty lately. The good news is that several things have happened recently that should help give the US economy a kick start.

1 – Tax Rates
Business like certainty, and predictability. Businesses have been faced with potential raising tax rates. If Congress had allowed tax rates on the “rich” to expire, then half of all profits from small businesses would have been effected by the higher tax rates. Critics like to explain that the higher tax rates will only effect a small number of small businesses. But this is incredibly misleading. Most small businesses are VERY small, and do not provide employment opportunities, or make enough money to be effected by the higher tax rates. Think of piano teachers, independent carpenters, Mary Kay consultants, local musicians, or the attorney down the street working out of her house. These are the people who make up the majority of small businesses. And while they’re very important to our communities, they’re not the job creators. It’s the “bigger” small businesses that create the jobs, and make enough money to be effected by the higher tax rates.

Do you want these small businesses to create jobs, or do you want them to be strangled with regulations and economic fear? Is it more important for these businesses to create jobs so that people can get off unemployment, or to pay more taxes so that we can keep more people on unemployment? Despite what some critics would like you to believe, keeping these tax rates consistent will be good for the economy, and good for job creation.

2 – The Omnibus Spending Bill
One of my biggest disappointments with the current Congress is that they haven’t even attempted to pass a budget for 2011 until now. We are already a couple months into the 2011 fiscal year, and all they’ve done is passed continuing resolutions to keep the government funded. This last week in the Senate, Harry Reid introduced a spending bill to fund the government for 2011 loaded with billions in earmarks from both political parties. The document was nearly 2,000 pages, and Reid was pushing for a quick decision from the Senate to pass the bill. It’s a good sign that the bill has been pulled. Maybe politicians are finally understanding that we can’t keep spending money we don’t have. And that the American people are fed up with business as usual in Washington.

Investor’s Business Daily explained it this way: “The lump of coal in our Christmas stocking that was the omnibus spending bill is dead. The Congress the people elected, not the one they repudiated, can now guard the public purse, not pick our pockets. The failure to pass a budget or any of 12 appropriations bills despite full control of both houses of Congress led to this paroxysm of spending, a $ 1.27 trillion bill full of earmarks that represented the antithesis to the type of government voters on Nov. 2 said they wanted. Those voices evidently were still being heard, particularly by the 23 Democratic and independent senators up for re-election in 2012.”

Families have to be fiscally responsible. Business have to be fiscally responsible. If the federal government doesn’t get its fiscal house in order, fear and uncertainty will continue to dominate the business mindset. The fact that this bill was pulled will be seen as a positive by the business world.

3 – Business Friendly Environment
For the last two years, rightly or wrongly, the business community has viewed the White House and Congress as anti-business. From new health care legislation that imposes new costs and responsibilities on businesses, to new financial regulations that impose new burdens on the financial community, Congress and the White House have pushed for priorities that are not viewed as pro-business, or pro-economy. The business community wants to be optimistic about the future. Seeing the first signs from the White House that they’re willing to consider a more pro-business approach will be seen very positively by the business community at large.

If Congress can continue to focus on tackling out of control spending, deficits, and the national debt, we should see some resurgence in our struggling economy. If President Obama and the White House continues to move to the center and work with business leaders, confidence should return. And hopefully we’ll put our small businesses in a position to grow, create wealth, and create jobs.

Lee Eldridge has been involved in marketing for more than 20 years. He’s the co-owner of the promotional items company Snap Promotions out of Lawrence, Kansas. As a custom marketing products specialist Eldridge is known as an innovative leader within the promotional products industry. Lee writes for his company’s blog as well as Love Promos.

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How to Get Started with Online Investing

Inside/outside the EP: looking at the agenda & looking at the snow
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Image by European Parliament
Plenary 13-16 February: employment, food aid and Syria

MEPs will during the February plenary session debate how to boost employment, especially among the young, vote on a food aid scheme for European citizens in need, and discuss the situation in Syria. Other topics include EP priorities for the European Council on 1-2 March, the upcoming elections in Russia and political developments in Hungary. In addition there will be a debate with Italy’s Prime Minister Mario Monti on Wednesday at 1500h CET.

One of the main issues during the plenary from 13-16 February will be how to tackle youth unemployment, which has reached an unprecedented level in Europe due to the economic crisis. On Monday MEPs will ask the Commission about its plan to use up to €82 billion in EU structural funds not yet allocated to specific projects to help small firms and combat youth unemployment. The Parliament will also vote on three resolutions on Wednesday calling for more efforts on growth, employment and poverty.

www.europarl.europa.eu/news/en/headlines/content/20120203…

© European Union 2012 EP/Pietro Naj-Oleari

Many people find it difficult to shake off the notion that if they’re not wealthy, they don’t need to do any financial planning. Stock market volatility, inflation, changing interest rates, unemployment, illness, and hard times are part of life.

To do no financial planning or to let others (your spouse, employer, broker, or financial advisor) do all your planning is to flirt with disaster. Remember that no one cares more about your financial well-being than you do.

The Internet makes financial planning easier than ever before. The Web has hundreds of online worksheets, calculators, and other tools that can easily put you on the right track. I will shows how you can start maximizing your personal wealth by:

#1 Analyzing your current financial position: After all, you can’t get to your financial finish line if you don’t know your starting point. The Internet provides many online net-worth worksheets and calculators to make this task easier.

#2 Finding out where your cash is going each month: Your financial wellbeing doesn’t depend on how much you make; it depends on how much you spend. If you don’t know how much you’re spending, the Internet can help you gain an understanding of your spending habits and assist you in creating a budget you can live with.

#3 Deciding your financial objectives: Do you want to purchase a house in five years or to retire early? The Internet can help you achieve your goal by helping you develop a workable plan.

#4 Building your financial base so that you can start accumulating real wealth: This approach to investing offers a diversified system that provides financial growth and protection. Discover how you can build a financial base to maximize your personal wealth.

Saving and investing are different, although savings are often the source of funds for investing. Savings are a set level of funds that you put aside regularly, usually at a low interest rate. You can easily access savings, and often they’re insured by a financial institution.

Investment funds are the funds that you don’t have earmarked for the rent, groceries, taxes, and so on. You place these funds in securities that can increase or decrease in value. They may earn interest or dividends, but you have no guarantee of increased value or future income. (Investment funds should be free of any obligations. Good examples of investment fund sources are inheritances, gifts, and disposable income.)

The beginning of personal wealth is the accumulation of capital that you can use for investing. This capital often begins with savings and expands into other types of more profitable investments.

Savings are the beginning of your capital accumulation. Families need a regular savings program that’s between 5 and 10 percent of take-home pay per month. Some people even manage to put away 15 percent. Getting into a regular rhythm with saving is important.

Additionally, individuals and families need emergency funds. Folks with fluctuating income, few job benefits, and little job security may need to have a larger emergency fund. Families with two wage earners may need a smaller emergency fund.

A general rule is to have three to six months of take-home pay in a savings account (or a near-cash account similar to a market fund with check-writing privileges) for emergencies. If you don’t have an emergency fund, you need to increase your savings.

Payroll deduction plans that divert funds into a savings account or money market fund are often the most painless way to achieve the best results. On the other hand, if you’ve been saving a surplus, you may want to consider using these funds for investing.

Adrien Brody (http://forex-trading-tutorial.com) is a full-time investor. He has been researching investment strategies and make his own living. You can learn more about his techniques at http://forex-trading-tutorial.com.

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High investment bubbles forming in the Central Asia Region

BarcelonA – AnarquistA *
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Image by Sterneck
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Libertaria y Solidaria *

Confederación General del Trabajo (CGT)

www.cgtbarcelona.org
www.cgtcatalunya.cat
www.cgt.org.es

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BarcelonA – AnarquistA *
Photo-Report – March 2014
www.flickr.com/photos/sterneck/sets/72157643657256375

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Barcelona – Arte Rebelde *
Photo-Report – March 2014
www.flickr.com/photos/sterneck/sets/72157643655743885

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Wolfgang Sterneck:
In the Cracks of the World
Photo-Reports:
www.flickr.com/sterneck/sets
Articles (german / english) :
www.sterneck.net

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JO TAMBÉ ESTAVA AL PARLAMENT… I HO TORNARIA A FER

El dia 31 de març comença el judici contra les 20 persones imputades per l’intent de bloqueig del Parlament del 15 de Juny del 2011. Aquell dia s’anaven a iniciar el tràmits per aprovar els pressupostos amb el primer paquet de retallades a Catalunya, que va propiciar el tancament d’empreses públiques, la privatització de la sanitat, les retallades al sector de la cultura, educació, etc.

La mobilització “Aturem el Parlament” va succeir dues setmanes després del brutal desallotjament de la Plaça Catalunya a mans dels antidisturbis dels Mossos d’Esquadra a les ordres del que era conseller d’Interior i ara ho és d’Empresa i Ocupació, Felip Puig. També responsable del dispositiu policial que va disparar contra l’ull d’Esther Quintana.

La criminalització per part de la premsa subvencionada pel Govern i l’escalada repressiva que va venir després (judicis contra persones que volien impedir un desnonament al Clot, nombroses detencions a les vagues generals, multes absurdes per les persones que es manifestaven o per enganxar cartells, etc), va ser i és encara, una resposta planejada per procurar frenar l’augment de la indignació i de la força de les protestes populars contra el poder polític, econòmic i altres injustícies quotidianes, com el patriarcat i el racisme.

Durant aquells dies, la gent es va organitzar arreu per construir política des del carrer, com moltes seguim fent. La política que volem és assembleària, horitzontal, autogestionada, sense representants, és del poble i per al poble, i xoca amb la política institucional que ens governa. La qual ha estat protagonista d’un espiral de corrupció i de tenir llaços, sovint familiars o personals, amb grans empreses privades que reben encàrrecs d’obres públiques i amb els peixos grossos del poder financer.

Aquell dia érem milers de persones les que vam anar a intentar aturar el Parlament, per combatre el drama de tantes vides immerses en la misèria, els acomiadaments per les retallades, els suïcidis pels desnonaments, etc. Perquè moltes d’aquestes barbàries s’aproven dins dels murs d’aquest edifici. Per aquest motiu estàvem assenyalant els culpables el 15 de Juny de 2011 i per això mateix, ho tornaríem a fer sense por, perquè legitimem la nostra actuació, i perquè si la gent del carrer, a qui ens afecta tot això, no lluitem, ningú altre ho farà per nosaltres.

Sabem i tenim clar que aquest és un judici polític, una farsa per atemorir a aquelles que decideixen plantar cara i actuar contra els responsables de tanta precarietat. De fet, ens reafirmem al comprovar que l’acció directa contra els poderosos i generar alternatives de vida els molesta, i molt. Per això, i perquè som conscients del poder que podem tenir quan ens organitzem, no ens volem doblegar davant les seves intimidacions i fem una crida a estendre la solidaritat a aquells i aquelles que pateixen la repressió i la violència quotidiana d’aquest sistema econòmic, en les seves infinitats de formes.

Convoquem manifestació el dia 29 de març a Barcelona a les 18:30 a Plaça Catalunya.

SOLIDARITAT AMB TOTES LES REPRESALIADES I AMB AQUELLES QUE LLUITEN!!

La propera vegada que agafin un helicòpter, que sigui per marxar ben lluny i no tornar a molestar!

encausadesparlament.wordpress.com

———–

I was at the Catalan Parliament too…
and I would do it again

On March 31st the court case against the 20 people who are charged with an attempt to block the Catalan Paliament on June 15th 2012 will begin. That day in June, the process of implementing the first round of budget cuts in Catalonia began. Cuts that involved closing public companies, the privatization of health care,as well as cuts in the area of culture, education, etc.

The mobilization “Aturem el Parlament” (“Paralize the Parliament”), took place two weeks after the brutal eviction of Plaza Catalunya (Barcelona), by the riot police Mossos d´Esquadra under the command of Felip Puig. He was the minister of the Interior at that time and is currently the minister of companies and labour. He was also responsible for the police operation that shot Esther Quintana in the eye.

The criminalization by the media (that is funded by the state) and the increase of repression which followed (court cases against people trying to prevent an eviction in the neighbourhood of el Clot, many detentions during the general strikes, absurd fees for people protesting or hanging banners with tape etc), was, and still is, a planned response to try to stop the rise of outrage and the strength of popular demostrations against economic and political power, and other daily injustices (such as patriarchy and racism).

During those days, people organized themselves all over to build and create politics from the streets, as many of us continue to do. The politics we want are based in assemblies, horizontal, self-organized, without leaders; they belong to the people and they are for the people, and clash with the institutional politics which govern us. The same institutional politics and their protagonists are creating a corruption spiral and have relationships, mostly family-based, with private companies (that receive contracts for public constructions) and with high-up people with economic power.

That day we were thousands of people trying to paralyze the Catalan Parliament in order to fight the drama of so many lives embedded in misery, the layoffs due to the cuts, the suicides due to evictions, etc. Because many of these atrocities are approved behind the walls of that building. This is the reason that we were pointing out the guilty ones that 25 of June 2012, and because of this, we would to it again without fear. Because we legitimize our action, and because if we, the people from the street -whom are the most affected-, don´t fight, nobody will do it for us.

We know that this is a political court case, a farce to scare those who decide to stand up and take action against thoseresponsibleforall this precariousness. In fact, we reaffirm our ideals and actions after proving that direct action and the creation of alternatives of life bothers them, a lot. Because of this, and because we are aware of the power we can have when we are organized, we don´t want to bow down to their intimidation. We call for a spread of solidarity for all the ones who suffer daily repression and violence within this economic system, in its infinite shapes.

SOLIDARITY WITH ALL THE REPRESSED AND THOSE WHO FIGHT!!

The next time that they take an helicopter, it should be to go far away, and not come back to bother us.

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Repression in Spain. A call for international solidarity

During the last three years Spanish society has witnessed a period of intense social protests against austerity, corruption, unemployment and so on. As in other times in history, the greater and more radicalised the protest the bigger the repression that the state organises against it. Since the general strike in September 2010, a common trend of this repression strategy is been a kind of ‘laissez faire’ in the streets but followed by ´selective´ detentions months later. Police have been literally knocking doors down of those who continuously take part in different actions and demonstrations, and consequently dozens of people have been arrested.

On June the 15th 2011, ten thousand people surrounded the Catalan parliament in Barcelona. That day the government wanted to approve a vast austerity cut in health and education, and the idea was to block politicians from getting into the building. “Inexplicably” the police did not protect some politicians, which caused direct confrontation with protesters, and of course that fact was used by the media as an example of violence against democracy. After that, people were violently dispersed, and the MPs could do their job.

On October the 4th 2011, 22 people were arrested in their homes. They have been accused of a crime against the state, using a law designed for coup leaders and that had never been used before in Spain. They now face a penalty of up to 8 years in jail, whereas some of them have been also accused of different crimes related to other demonstrations. The trial will start in March the 31st 2014 and it is expected to last four days.

There will be a national day of solidarity in Spain on March the 29th with demonstrations in several cities. So we also call for international solidarity.

You can call, email or block different Spanish embassies or institutions. Or you can do whatever you consider appropriate…

“That day we tried to block the Catalan parliament to combat the drama of many lives immersed in poverty, layoffs by cuts, suicides by evictions, etc. Because many of these atrocities are approved behind the walls of that building. We were pointing at the guilty, and because of that we would do it again without fear. We know this is a political trial, a farce to scare those who choose to stand up and take action against those responsible for such precarious living conditions. In fact, we reaffirm it to find that both direct action against the powerful and generate alternative lives bothers them a lot. For this reason, and because we understand the power that we can have as we organise ourselves, we do not want to bow to their intimidation and we make a call to extend solidarity to those suffering the daily repression and violence of this economic system, in its myriad forms”.

encausadesparlament.wordpress.com/manifest-suport/manifes…

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Thanks to the rise in the prices of Natural resources, this region is gaining increasing popularity. Kazakhstan is on the charts as one of the largest oil producing economy and next to Mongolia is the most coal producing country. The commodity centric region is basically encashing on the recovery of the Chinese economy, which has shown a reasonable purchasing managers index. A year-over-year basis has seen a notable improvement in the power production of China, which has increased by 13.4%. Since China is the major importer of the power sources, an increase in power consumptions majorly affects the value of the subsequent. The healthy growth impact of China can be seen from its increase in the monetary growth, which is one of the measuring tools which help to analyze the growth of the economy. Both these factors are known to be symbolic of healthy and good trading ties with the Central Asian region for which the impact is bound to progress to this side.

The forecasts issued by the IMF and Asia Development Bank clearly show that the Central Asia Region is progressing towards the healthy trends in the domestic consumption and its capital spending. This majorly leads to the consistent growth and an increase in the intraregional growth. The investment opportunities are inclined towards theMongolia mutual fund due to the supportive local fiscal and monetary policies of the government. The region is sure to face a beneficial phase of healthy Export-oriented and external increase in demand for commodities. The overall pictorial growth of these economies is likely to show figures that depict low unemployment and fairly good wages, leading to good GDP figures.

Complete entry points are being offered by Coal and Oil commodities. This Central Asia mutual fund operates at an annual of 0.69%, but its stands an approximate 20% less beta risk, which is a factor favorable for the financial fund. The expense ratio is quite high according to the market space but it still has trapped energy that needs to be further focused on.

Due to the most recent Coal Rally there has been a sustainable hike in the Coal equities. As these countries are abundantly stocked with the natural reserves of resources they are showing momentums in the flow of investments progressing towards this area. Little is left to say about the 5.5 percent of the ETF’s weight taken up by Mongolia and surprisingly U.K. and Canada combine for nearly half of the weight because the index comprises of the domiciled and revenue orientation from Mongolia, Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan & Uzbekistan. The last three months have seen a rise in the valuation of the related ETF by 8.5%. The 22 securities from all over the globe have facilitated exposure to this region and embarked a potential growth keeping in mind the demand and supply traffic for coal , natural gas and oil reserves.

As on June 30, 2013, 19.45% of the assets of the fund are related to Materials and 18.46% towards Energy Minerals. The Financials and Oil & Gas sector are the holders of nearly 30% of the industry breakdown assets of the Central Asia mutual fund.

Global X Central Asia ETF [AZIA] provides the access to investments of the foreign listings in the Central Asian Region, primarily from Mongolia, Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan & Uzbekistan. This Central Asia mutual fund was introduced in April 2013 and delivers as per the performance of Solactive Central Asia and Mongolia Index. As a matter of fact Mongolia fund is also not far behind the race. More than thirty percent of this Central Asia fund is concentrated in the top most holdings with Kazmunaigas Gdr , Eurasian Natural Resources Corp.Plc., Kazakhmys Plc, Spt Energy Group Inc., and Kcell Gdr respectively.
3002054014_3eda24f714

Russian Expatriates and Cyprus Pension

Regulate Loan Sharks.
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Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm

The social insurance scheme in Cyprus is based on the Social Insurance Law of 1980 with amendments and regulations issued thereafter, and has the objective of protecting insured persons from financial hardship. Some of the benefits provided by the social insurance scheme are: old-age pension, social assistance, unemployment and maternity benefits, as well as grants for marriage, childbirth and compensations for industrial accidents.

In this article, we shall look into the old-age pension as applicable to non-EU countries nationals (say, Russia expatriates) who come and work in Cyprus for number of years, after which return in their home country.

All workers employed in Cyprus, irrespective of their nationality, are compulsorily withheld 6.8% of their earnings as contribution to the social insurance fund. In addition, the employer and the Cyprus government, respectively contribute 6.8% and 4.3% to the fund, making the total contribution equal to 17.9%. The fund is run by the state and used to pay various social benefits (unemployment, pension, maternity etc.).

Without discrimination, Russian expatriates and their family members can enjoy all applicable social benefits while legally residing in Cyprus and making contributions. However, when it comes to old-age pension, in the event the expatriate leaves Cyprus, social insurance contributions will not be paid in cash (or otherwise) or transferred to the Russian pension scheme. The contributions will remain in the fund until pensionable age is reached (65) and number of conditions met before payment. One of those conditions, applicable to those reaching pensionable age between 3.1.2010 and 1.1.2012, is the contribution of social insurance for at least 7 years. As from 2.1.2012 the contribution condition is increased to 10 years, effectively making it more difficult to gain Cyprus pension from temporary employment in Cyprus.

The changing demographics and economics of the social insurance scheme make it hard to predict what will be the social insurance legislation in the next 20-30 years. Pensionable age may be raised to 70 years, contributions increased by more than currently anticipated or Cyprus and Russian may enter into a bilateral agreement extending their social benefit to those who move between the two countries.

In most cases, social insurance contributions by Russian expatriated will be “lost” and years of employment in Cyprus not credited in Russia, representing a major drawback for those whose retirement plan is entirely based on state pension income. Therefore, depending on the case, one may need an adjustment to the retirement plan in order to adequately compensate for the reduction in state pension income. Some possible venues for putting money for the long-term and reducing taxable income at the same time, may be: contributions to approved provident fund and term/life insurances. You should contact your tax consultant for further advice.

Veronica G. is the lead partner of Quantia Advisors, a professional firms specialising in financial advisory, audit, tax, accounting and consultancy services.

Related Unemployment Fund Articles

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Has Argentina Bottomed Out

Matteo Lucchetti
unemployment fund
Image by Marc Wathieu
PROJECTION & DISCUSSION : "ON SOCIAL METAMORPHOSIS" de Luigi Coppola, vidéo, 13:45 min. (2012).
Jeudi 14 juin 2012 à 18h30, galerie de l’Erg (Ecole de Recherche Graphique), Bruxelles.
Curatrice : Francesca Chiacchio.

SCREENING & TALK : "ON SOCIAL METAMORPHOSIS" by Luigi Coppola, video, 13:45 min. (2012).
Thursday June 14, 2012, Erg gallery, Brussels.
Curator : Francesca Chiacchio.

Projection de ON SOCIAL METAMORPHOSIS de Luigi Coppola et discussion entre lʼauteur et Matteo Lucchetti.

ON SOCIAL METAMORPHOSIS de Luigi Coppola, vidéo, 13:45 min. (2012).
Ce film, conçu pour le projet expositif Enacting Populism in its Mediæscape de Matteo Lucchetti, analyse l’aspect émancipateur des dynamiques populistes, autour de l’idée de la transformation des mythes à l’aune du climat populiste. On social metamorphosis est né d’une collaboration entre Luigi Coppola et l’économiste et anthropologue belge Paul Jorion. A partir de la section "utopie réaliste" du célébre blog de Paul Jorion, ils ont travaillé sur un texte qui rassemble à la fois les propositions écrites par les internautes, qui ont participé collectivement à cette section, et des textes de Louis Antoine de Saint Just, John Maynard Keynes et Franklin Roosevelt. Luigi Coppola a ensuite mis en scène ce nouveau script sous la forme d’un chœur grec classique, de manière à articuler un parallélisme entre les demandes et les propositions formulées dans le texte et la voix d’un "peuple".
"La révolte peine à trouver la parole" remarque Luigi Coppola, qui suggère le masque comme outil symbolique de fédération et de protestation. Conçus par l’artiste avec des pages de journaux économiques, les masques ouvrent la bouche du peuple. Les visages de la métamorphose sociale ne se cachent pas, ils se reconnaissent au contraire les uns dans les autres: le masque leur procure la puissance de la multitude.

Luigi Coppola (1972) est un artiste italien, il vit et travaille à Bruxelles. Il travaille principalement dans le domaine de la performance. Sa recherche artistique se concentre sur les dynamiques relationnelles, mettant l’accent sur les aspects conceptuels de l’ordre dans les mécanismes sociaux. Sa pratique artistique émane d’une combinaison de différentes expériences professionnelles et pédagogiques. Il a une double formation de scientifique (Ingénierie Environnementale, Doctorat en Analyse du Risque) et d’artiste (Arts Visuels et Performatifs).

Matteo Lucchetti (1984) est historien, critique d’art et commissaire d’exposition indépendant. Après des études d’histoire de l’art contemporain à l’Université de Florence, il a obtenu un Master d’arts visuels et études curatoriales à la NABA (Nuova Accademia di Belle Arti, Milan). En 2010, il était accueilli comme chercheur en résidence à BAK, Utrecht, où il collabore encore en tant que rédacteur au projet Former West. Ses projets curatoriaux incluent : Practicing Memory – in a time of an all-encompassing present (Cittadellarte – Fondazione Pistoletto, Biella, 2010; DEPO, Istanbul, 2012). Il est co-commissaire avec Judith Wielander du Visible project, initié par la Fondazione Pistoletto et la Fondazione Zegna.

L’exposition Enacting Populism in its Mediæscape (Paris, 18 février – 22 avril 2012) a été conçue par Matteo Lucchetti pendant sa résidence à Paris à la Kadist Art Foundation. Elle résulte d’une recherche sur les relations possibles entre des pratiques artistiques et une forme de populisme véhiculée par les médias qui dénote du climat politique européen actuel. Dans l’exposition qui se déroula durant les deux derniers mois de la campagne présidentielle française, l’espace ressemble à celui d’un bureau de parti politique lambda, devenant ainsi un environnement ambivalent dans lequel les œuvres peuvent à la fois être perçues comme appartenant au champ de l’art contemporain, ou comme des éléments relatifs à la préparation d’une campagne. (Alterazioni Video, Heman Chong, Luigi Coppola, Danilo Correale, Foundland, Nicoline van Harskamp, Steve Lambert, Oliver Ressler, Jonas Staal, Société Réaliste, Anna Scalfi Eghenter, Superflex)
www.enactingpopulism.org

50°49’19.50"N 4°21’25.53"E galerie de l’Erg
rue du Page 87, 1050 Brussels
contact : francesca.chiacchio@erg.be

"Enacting Populism in its Mediæscape" at Kadist Art Foundation, Paris.

Populism seems to be on everybody’s mind in Europe, no more so than in the lead-up to the French presidential elections in May. The term ‘populist’ popped up day after day in the headlines to denounce the political agendas of politicians as far apart as Marine Le Pen, Jean-Luc Mélenchon and Nicolas Sarkozy. More a political style than an ideology, populism can exploit latent fears about anything from the rise of globalization, European Union enlargement, migration and unemployment to social insecurity, offering one-dimensional responses to a complex situation.

To use populism as a way to better understand democracy was the starting point for curator Matteo Lucchetti’s ‘Enacting Populism’, a research project that started in Antwerp at the end of 2010 and culminated this spring in an exhibition featuring 12 artists and collectives at the Kadist Art Foundation. The initiative was undoubtedly timely, scheduled to take place two months before the first round of French elections, mirroring populist strategies and profiting from the feverish campaign atmosphere. Lucchetti further echoed this effect by transforming the gallery space into a fictional campaign office, with the walls painted in an administrative green and Soviet furniture borrowed from Paris’s Communist Party headquarters.

The show essentially resembled a discursive space more than an exhibition, presenting art works that comprise or mimic forms of documentation such as posters, extracts of political speeches, pseudo-political administrative documents and flyers. As its titled suggested, ‘Enacting Populism in its Mediæscape’ played itself to a certain degree by acting out the role of a populist exhibition. However, this effect was rapidly exhausted, as it reached the inevitable limit of endlessly re-enacting the grammar and imagery the show claimed to denounce.

One of the consequences of that approach was that the art works required a great deal of time, attention, reading and additional explanation to be consumed, going against populism’s principle of appealing to people’s emotions through simple and effective communication strategies. One exception was a video by Oliver Ressler, which was only visible at night, when it was projected onto the closed façade of the gallery space. The footage in Robbery (2012) literally shifts from ‘night time robbery’ – images of shops being looted during England’s social unrest – to ‘daytime robbery’: Sarkozy and Angela Merkel misappropriating government funds to save banks. The connection needs no further explanation.

Other works also stood out. Danilo Correale’s project Re-designing Fear – People’s Party Spectacular (2011) worked around the recurrent populist discourse of hope for change. The artist introduced 5,000 scratch-cards into circulation in Antwerp, which, when scratched off, revealed familiar xenophobic slogans. A video installation and publication by the collective Foundland, entitled Simba, The Last Prince of Ba’ath Country (2012), formed an archive of pro-Al-Assad propaganda images that shows how a country’s political imagination can be falsified through the Internet.

Did ‘Enacting Populism’ manage to go beyond simulation and live up to Lucchetti’s aim of trying ‘to articulate positive and emancipatory means through images’ to create a potential social change? These are ambitious goals and not many of the projects on view were able to successfully develop this activist potential. Ernesto Laclau introduced the exhibition with a lecture and an interview published in Le Monde in which he moved beyond negative connotations linked to the xenophobic European populist discourse, highlighting its positive outcomes in Latin America. Claiming that ‘without a certain dose of populism, democracy is unthinkable today’, he provided one of the exhibition’s theoretical goals of finding positive populisms. But Laclau’s ideas created expectations that went somewhat unfulfilled, as there were no examples in the show of populism’s ‘positive antagonisms’. I would have liked to see works that were more conscious of their own involvement in the dynamics of populism, over-complicating rather than dismantling and analyzing its discourse.

In spite of these unavoidable shortcomings, ‘Enacting Populism’ remained a thorough investigation of a theme that can be endlessly re-enacted through exhibitions and in the public debate. In 2005, together with Lars Bang Larsen and Nicolaus Schafhausen, I tried my hand at dealing with populism through the prism of contemporary art in the exhibition ‘Populism’. I was struck then by the claim that the 21st century was destined to be the ‘populist era’, much like the 20th century had been the ‘totalitarian era’. The interest aroused now by this new show suggests that the topic is becoming increasingly timely and that populism is here to stay.

Cristina Ricupero.

www.frieze.com/issue/review/enacting-populism-in-its-medi…

A definite depiction of Argentine fiscal health is the Merval Index which shed down almost 9% in 2012. If this represents a bottoming out scenario for the financials of the country then equity and related investments should pick up. As per the IMF and FIEL reports the economy could barely manage a 1.5% growth in the past financial year and there may be further downside in this context considering that the inflation growth for the coming year is forecasted at 24% annually. American investors seeking financial adventure in foreign lands and multi-fold gains should take a closer look at the NASDAQ listed Argentine ETF which uniformly expose to the twenty most liquid and mostly large cap company securities that have their majority business interests vested in Argentina but for all the right reasons are listed on the other global exchanges primarily in the form of American derivatives [ADRs].

The downside fastened with the state’s announcement to nationalise its largest oil and gas company YPF S.A. The fact that it rubbed wrong shoulders with management of Spanish Repsol (technically Repsol holds the controlling stake in YPF) led to the YPF ADR collapsing as much as 70%. Further a regulatory move earlier in the year 2012 proved to be unfavourable towards the market as it increased the excess capital from 30% to 75% that dividend paying financial institutions must hold. So some banks like Banco Macro (BMC) had to suspend dividend payments. A weak Peso coincides with the dismal sate of the ruling party which under the rule of country’s president Mrs. Kirchner is already under shadows of political trouble and debt.

One impressive fact is that it is the third largest middle class economy in the Latin American region and the notable growth rates from the year 2003 to 2011 has made it progressively important in current years. The economy has leisurely improved after 2001 (the same year in which the country defaulted on $ 132 billion in public debt); it grew at a steady pace of 7% to 9% in the subsequent years. The country restructured about 100 billion in bonds in 2001; many investors have been rewarded in recent years as these bonds were linked to the nation’s GDP.

Easiest access is through Equity traded funds offering diversified exposure (and minimising risk) to this country under a single United States traded security. Individuals looking for more precise savings can also purchase American Depository Receipts (ADRS); these are United States traded securities replicating performance of the foreign stocks on their respective stock exchanges and are primarily introduced for excess fund procurement.

More prevalent options include ETFs attuned to the performance of FTSE Argentina 20 Index; these pure play funds will give assets in the form of 20 most liquid and largest corporations actively involved in this nation’s economy.

Fundamentally Argentina has nothing withstanding growth and years prior to 2012 have seen pro-growth data for basic issues like Unemployment Rate, Exports and Infrastructure spending.

FTSE bound Argentine Fund may easily turn out to be the surprise disclosure and rewarding for systematic investors who are willing to play on the downside that arises from a fresh state default scenario and those who are convinced with the nation’s prowess to contain the on going legal tiffs with the multi billion dollar fund houses that do not agree with the 2002 debt re structuring policies of the then ruling government.

ARGT Global X Fund is a pure play product that delivers as per the returns of the FTSE Argentina Fund after the annual expenses of 0.75%. The bench mark comprises of 21 stocks. Sector-wise consumer staples and material industry account for 69% of the holdings. Mercadolibre Inc. and Arcos Dorado Holdings Inc make for 27% of the assets but the top holding for ARGT is Tenaris S.A. ADS with 21.21% of assets assigned to the stock.

Find More Unemployment Fund Articles

2922483505_47c06d0775

Stumped by SUTA: PEO Company to the rescue

Bailout is Bullsh*t.
unemployment fund
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

Photographer: a. golden, eyewash design – c. 2008

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www. visi. com/juan/congress/
Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

Here’s a backup link in case we crash that site again —> www. congressmerge. com/onlinedb/index. htm

Filing and paying taxes often feels like battling a superhero, difficult and tiresome! Fortunately, to help you, the business owner, juggle running your business with paying corporate and payroll taxes there are PEO companies. But before explaining how PEO companies can help with taxes, let’s investigate unemployment taxes.

Included in payroll taxes are unemployment taxes to the state and to the federal government to pay for the benefits of those who are out of work. SUTA, the State Unemployment Tax Authority, deals with, as the name implies, the state unemployment tax. The amount charged is calculated based on a percentage of the wage an employee is due, and off the experience rate of your company. The tax is paid by you, the employer, without making a deduction from employees’ salaries. When calculating the SUTA tax, you are advised to also calculate the FUTA tax, the unemployment tax paid to the federal government. When this is done, you can get a credit to reduce the FUTA tax. In other words, understanding the SUTA tax can save you money!

The money collected from the SUTA tax is put in the State Unemployment Trust Fund to pay unemployment benefits. Unfortunately, different states have different regulations for unemployment; the qualifications for receiving unemployment benefits, the length of receiving benefits, and the amount of benefits are different in Florida than in Colorado, for example. In turn, because every state administers unemployment payouts in their own way, their SUTA tax differs. If your business stretches into more than one state, you may be paying a SUTA tax rate of 5.4% in one state and 5% in one state. What is more, in some states (Alaska, New Jersey, and Pennsylvania) money is also collected from employees. Complicating tax filing further is the fact that the SUTA tax is variable, just like other forms of payroll taxes. The tax can be changed at any time, confusing employers who do not fully understand it.

As stated previously, filing the SUTA tax with the FUTA tax can lead to a FUTA tax reduction; hence, saving you money. There are other benefits of properly filing the SUTA tax. For example, certain states will lower SUTA tax rates to new businesses. However, SUTA rates DO differ from state to state and it is possible that your new company will start with a higher rate and can have this adjusted as each year goes on. There can be a lot of confusion over different taxes.

For small business owners who would prefer to spend their time managing their business instead of determining the changes in tax rates, consulting an expert can be incredibly beneficial. For example, Professional Employer Organizations, or PEOs, specialize in knowing tax laws and how they differ from state to state. Investigating PEO companies can save you time with administrative tasks such as taxes. Employee leasing services are not a new concept, but have been utilized for many years and have become creditable organizations for small businesses who understand the importance of focusing on their goods or services by offloading administrative tasks.

Carolyn Stoll is a frequent contributor to PEO Compare and writes about issues that may affect small businesses such as Outsourced HR, staff leasing, Employee Leasing, and PEO Services.

Hyundai slashes production and desperately advertises; Ohio’s Unemployment fund dries up; Biden goes to Iraq; Berknake claims Stimulus may not be enough.

Hyundai to slash domestic output amid global slump
http://news.yahoo.com/s/ap/20090112/ap_on_bi_ge/as_skorea_hyundai_motor_2

Ohio unemployment fund runs out
http://biz.yahoo.com/ap/090112/oh_unemployment_fund.html?.v=1

50,000 New Jobs For New GM Battery Plant In Michigan
http://www.wilx.com/news/headlines/37468709.html

Seasonal Unemployment Up Across Michigan
http://wdetfm.org/article/seasonal-unemployment-up-across-michigan/

Oregon in Top 5 for unemployment
http://www.katu.com/news/local/37416819.html

Coloradans filing more new unemployment claims
http://www.aspentimes.com/article/20090111/NEWS/901119985/1058/RSS

Seniors: Economy’s nothing like Great Depression
http://www.fox28.com/global/story.asp?s=9654584

U.S. Economy May Shrink 1.5% in 2009 as Recession Stymies Fed
http://www.bloomberg.com/apps/news?pid=20601087&sid=aTv0Xmo40wr8&refer=home

Bernanke Urges Strong Measures to Stabilize Banks
http://www.bloomberg.com/apps/news?pid=20601087&sid=avMrVuolALQ4&refer=home

Merkels Coalition Forges Stimulus Plan for Extra .8 Billion
http://www.bloomberg.com/apps/news?pid=20601087&sid=aERsFh44NeVo&refer=home
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Short out recession problem in private sector with A-kasse

Matteo Lucchetti
unemployment fund
Image by Marc Wathieu
PROJECTION & DISCUSSION : "ON SOCIAL METAMORPHOSIS" de Luigi Coppola, vidéo, 13:45 min. (2012).
Jeudi 14 juin 2012 à 18h30, galerie de l’Erg (Ecole de Recherche Graphique), Bruxelles.
Curatrice : Francesca Chiacchio.

SCREENING & TALK : "ON SOCIAL METAMORPHOSIS" by Luigi Coppola, video, 13:45 min. (2012).
Thursday June 14, 2012, Erg gallery, Brussels.
Curator : Francesca Chiacchio.

Projection de ON SOCIAL METAMORPHOSIS de Luigi Coppola et discussion entre lʼauteur et Matteo Lucchetti.

ON SOCIAL METAMORPHOSIS de Luigi Coppola, vidéo, 13:45 min. (2012).
Ce film, conçu pour le projet expositif Enacting Populism in its Mediæscape de Matteo Lucchetti, analyse l’aspect émancipateur des dynamiques populistes, autour de l’idée de la transformation des mythes à l’aune du climat populiste. On social metamorphosis est né d’une collaboration entre Luigi Coppola et l’économiste et anthropologue belge Paul Jorion. A partir de la section "utopie réaliste" du célébre blog de Paul Jorion, ils ont travaillé sur un texte qui rassemble à la fois les propositions écrites par les internautes, qui ont participé collectivement à cette section, et des textes de Louis Antoine de Saint Just, John Maynard Keynes et Franklin Roosevelt. Luigi Coppola a ensuite mis en scène ce nouveau script sous la forme d’un chœur grec classique, de manière à articuler un parallélisme entre les demandes et les propositions formulées dans le texte et la voix d’un "peuple".
"La révolte peine à trouver la parole" remarque Luigi Coppola, qui suggère le masque comme outil symbolique de fédération et de protestation. Conçus par l’artiste avec des pages de journaux économiques, les masques ouvrent la bouche du peuple. Les visages de la métamorphose sociale ne se cachent pas, ils se reconnaissent au contraire les uns dans les autres: le masque leur procure la puissance de la multitude.

Luigi Coppola (1972) est un artiste italien, il vit et travaille à Bruxelles. Il travaille principalement dans le domaine de la performance. Sa recherche artistique se concentre sur les dynamiques relationnelles, mettant l’accent sur les aspects conceptuels de l’ordre dans les mécanismes sociaux. Sa pratique artistique émane d’une combinaison de différentes expériences professionnelles et pédagogiques. Il a une double formation de scientifique (Ingénierie Environnementale, Doctorat en Analyse du Risque) et d’artiste (Arts Visuels et Performatifs).

Matteo Lucchetti (1984) est historien, critique d’art et commissaire d’exposition indépendant. Après des études d’histoire de l’art contemporain à l’Université de Florence, il a obtenu un Master d’arts visuels et études curatoriales à la NABA (Nuova Accademia di Belle Arti, Milan). En 2010, il était accueilli comme chercheur en résidence à BAK, Utrecht, où il collabore encore en tant que rédacteur au projet Former West. Ses projets curatoriaux incluent : Practicing Memory – in a time of an all-encompassing present (Cittadellarte – Fondazione Pistoletto, Biella, 2010; DEPO, Istanbul, 2012). Il est co-commissaire avec Judith Wielander du Visible project, initié par la Fondazione Pistoletto et la Fondazione Zegna.

L’exposition Enacting Populism in its Mediæscape (Paris, 18 février – 22 avril 2012) a été conçue par Matteo Lucchetti pendant sa résidence à Paris à la Kadist Art Foundation. Elle résulte d’une recherche sur les relations possibles entre des pratiques artistiques et une forme de populisme véhiculée par les médias qui dénote du climat politique européen actuel. Dans l’exposition qui se déroula durant les deux derniers mois de la campagne présidentielle française, l’espace ressemble à celui d’un bureau de parti politique lambda, devenant ainsi un environnement ambivalent dans lequel les œuvres peuvent à la fois être perçues comme appartenant au champ de l’art contemporain, ou comme des éléments relatifs à la préparation d’une campagne. (Alterazioni Video, Heman Chong, Luigi Coppola, Danilo Correale, Foundland, Nicoline van Harskamp, Steve Lambert, Oliver Ressler, Jonas Staal, Société Réaliste, Anna Scalfi Eghenter, Superflex)
www.enactingpopulism.org

50°49’19.50"N 4°21’25.53"E galerie de l’Erg
rue du Page 87, 1050 Brussels
contact : francesca.chiacchio@erg.be

"Enacting Populism in its Mediæscape" at Kadist Art Foundation, Paris.

Populism seems to be on everybody’s mind in Europe, no more so than in the lead-up to the French presidential elections in May. The term ‘populist’ popped up day after day in the headlines to denounce the political agendas of politicians as far apart as Marine Le Pen, Jean-Luc Mélenchon and Nicolas Sarkozy. More a political style than an ideology, populism can exploit latent fears about anything from the rise of globalization, European Union enlargement, migration and unemployment to social insecurity, offering one-dimensional responses to a complex situation.

To use populism as a way to better understand democracy was the starting point for curator Matteo Lucchetti’s ‘Enacting Populism’, a research project that started in Antwerp at the end of 2010 and culminated this spring in an exhibition featuring 12 artists and collectives at the Kadist Art Foundation. The initiative was undoubtedly timely, scheduled to take place two months before the first round of French elections, mirroring populist strategies and profiting from the feverish campaign atmosphere. Lucchetti further echoed this effect by transforming the gallery space into a fictional campaign office, with the walls painted in an administrative green and Soviet furniture borrowed from Paris’s Communist Party headquarters.

The show essentially resembled a discursive space more than an exhibition, presenting art works that comprise or mimic forms of documentation such as posters, extracts of political speeches, pseudo-political administrative documents and flyers. As its titled suggested, ‘Enacting Populism in its Mediæscape’ played itself to a certain degree by acting out the role of a populist exhibition. However, this effect was rapidly exhausted, as it reached the inevitable limit of endlessly re-enacting the grammar and imagery the show claimed to denounce.

One of the consequences of that approach was that the art works required a great deal of time, attention, reading and additional explanation to be consumed, going against populism’s principle of appealing to people’s emotions through simple and effective communication strategies. One exception was a video by Oliver Ressler, which was only visible at night, when it was projected onto the closed façade of the gallery space. The footage in Robbery (2012) literally shifts from ‘night time robbery’ – images of shops being looted during England’s social unrest – to ‘daytime robbery’: Sarkozy and Angela Merkel misappropriating government funds to save banks. The connection needs no further explanation.

Other works also stood out. Danilo Correale’s project Re-designing Fear – People’s Party Spectacular (2011) worked around the recurrent populist discourse of hope for change. The artist introduced 5,000 scratch-cards into circulation in Antwerp, which, when scratched off, revealed familiar xenophobic slogans. A video installation and publication by the collective Foundland, entitled Simba, The Last Prince of Ba’ath Country (2012), formed an archive of pro-Al-Assad propaganda images that shows how a country’s political imagination can be falsified through the Internet.

Did ‘Enacting Populism’ manage to go beyond simulation and live up to Lucchetti’s aim of trying ‘to articulate positive and emancipatory means through images’ to create a potential social change? These are ambitious goals and not many of the projects on view were able to successfully develop this activist potential. Ernesto Laclau introduced the exhibition with a lecture and an interview published in Le Monde in which he moved beyond negative connotations linked to the xenophobic European populist discourse, highlighting its positive outcomes in Latin America. Claiming that ‘without a certain dose of populism, democracy is unthinkable today’, he provided one of the exhibition’s theoretical goals of finding positive populisms. But Laclau’s ideas created expectations that went somewhat unfulfilled, as there were no examples in the show of populism’s ‘positive antagonisms’. I would have liked to see works that were more conscious of their own involvement in the dynamics of populism, over-complicating rather than dismantling and analyzing its discourse.

In spite of these unavoidable shortcomings, ‘Enacting Populism’ remained a thorough investigation of a theme that can be endlessly re-enacted through exhibitions and in the public debate. In 2005, together with Lars Bang Larsen and Nicolaus Schafhausen, I tried my hand at dealing with populism through the prism of contemporary art in the exhibition ‘Populism’. I was struck then by the claim that the 21st century was destined to be the ‘populist era’, much like the 20th century had been the ‘totalitarian era’. The interest aroused now by this new show suggests that the topic is becoming increasingly timely and that populism is here to stay.

Cristina Ricupero.

www.frieze.com/issue/review/enacting-populism-in-its-medi…

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Eurozone sovereign bailouts likely to stop at Portugal

Town Hall for the former Borough of Morecambe and Heysham, Marine Road East, Morecambe LA4 5AF
unemployment fund
Image by mrrobertwade (wadey)
Town Hall and municipal offices. Foundation stone laid 7th August 1931, official opening 7th June 1931. Designed by the Borough Engineer, P.W.Ladmore, with facade design by Alfred William Stephens Cross, MA, V-PIAAS, his son, Kenneth Mervyn Baskerville Cross, MA, FRIBA and C.Sutton.
Red-brown rustic brick in 1:3 English bond, Darley Dale stone details including portico, architraves and aprons to windows, quoins, parapet. White glazed bricks line the upper floor walls facing onto the council chamber clerestory windows and shallow pyramidal glazed roof with ventilator restored circa 1980. Steel framed structure, concrete flooring, internal walls of hollow fire clay blocks, flat roof originally covered with natural rock asphalt. Austral type metal window frames, some replaced.
C18 classical style, symetrical. 2 storeys over raised basement, 13 x 16 bay rectangular plan with grand entrance hall and central single-storey top-lit council chamber.
Single-storey Tuscan portico to the central 3 front bays: a flight of 6 wide steps; paired columns in antis; triglyph frieze; balustrade with urns. Paired pilasters flank central entrance doors, with semi-circular sockets for ceremonial halberds presented in 1905. The facade was surmounted by a tall flagstaff, temporarily removed due to water penetration at base of the supports.
Rear: plain fenestration, stone sills and brick flat arches, open well to bay 7 with steps down to basement, 4 cast iron moulded posts, handrail altered. Left return: right quoined bay with deep eaves and parapet as front; the remainder is slightly lower. Entrance bay 3: ten stone steps with cast iron and bronze handrails, panelled double doors, overlight with geometric tracery, moulded stone surround. Tall 3-pane windows as rear and square-section cast-iron down pipes, Lancashire rose on hoppers. Right return: similar to left, 9 steps to the entrance door bay 14, left handrail replaced.

Interior fittings survive throughout the building, including panelled doors, window frames with pivot opening or side casement mechanisms, radiators, light fittings. The ground floor layout and individual rooms include: panelled double doors open into a square lobby with original central pendant lamp, glazed screen to main staircase hall. The entrance hall has cream and light blue terrazzo flooring with central mosaic panel of the town shield and motto ‘BEAUTY SURROUNDS. HEALTH ABOUNDS’; wheelchair ramps obscure curved corner steps; square section columns with later decoration, cantilevered stone divided staircase: cast iron ballustrade with scrolled panels and ramped mahogany handrails; the stair well lit by 3 round-arched stained glass windows. Double doors to left and right open into the Council Chamber / magistrates’ courtroom: 4 corner columns carry a deep moulded beam which supports clerestory walling with roundels and square windows with original yellow and blue geometric patterned glass; walls: moulded ‘acoustic’ plaster wall panels , ceiling of square glazed panels and decorative bands in red, green, yellow and blue. Original glass cube pendant lights. Wall gas lights here and elsewhere in the building in the form of bronze plaques with relief decoration of laurel leaves supporting torches with white glass globes. A fixed oak partition, 3 glazed leaded glass panels [central door] divided by paired pilasters, screens the entrance to the chamber from the rear corridor and magistrates’ rooms. Furniture: original black oak desks, chairs with green hide upholstery, and tables, the latter straight or curved and in units designed to be moved to suit the number of members meeting. Carved motif of coat of arms on chair backs; the tall chairs and mayor’s / magistrate’s desk survive, with original lights and bells.
The outer rooms are reached from a corridor round three sides of the building which also links the two secondary staircases to rear left and right. The stairs are one straight flight with roll-moulded mahogany hand rails and bronze landing balustrades with scrolled decoration.
Interior, first floor, front: the mayor’s private room and anteroom has a built-in oak cupboard, the main front suite of rooms includes the mayor’s parlour and two committee rooms separated by folding panelled oak screens; the doors have pedimented surrounds, the panelled plaster ceiling has been removed to reveal steel joists and concrete infill. The left offices include the original open and well-lit drawing office. The right-hand corridor rooms include the original kitchen and general office.
Basement: reached from the rear stairs; includes steel doors to former cell or strong room and base of rear boiler house chimney .

Garage approximately 20m to north-east, brick, concrete pillars support flat lintels, parapet above. Single storey, 5 bays, originally open-sided but now with panelled doors and inserted windows far right.

The building of the new Town Hall was made possible by funding from the Unemployment Grants Committee and planning began in 1930. The work cost over £40,000 and the foundation stone was laid by the then Mayor Councillor J.S.Cordingley, J.P., on 12th August 1931. Heating was on the low pressure hot water system with a gas-fired boiler.
The design team for the facade was father and son, Alfred and Kenneth Cross, with C. Sutton. The RIBA records show that Kenneth Cross [d.1968] worked extensively for local authorities in London [including Westminster, Marylebone, Finsbury, Finchley and Inslington] and for Bournmouth and Newcastle-on-Tyne. He was an expert in the design of indoor swimming baths and wrote two books on public baths. He also designed for the Barbers’ Company, the Grocers’ Company, the Whitgift Foundation, St John’s College, Cambridge, Plymouth Commercial Bakery, and Barclays Bank.
Morecambe and Heysham Municipal buildings were illustrated in The Builder, August 19th 1932 and obituaries of Kenneth Cross, who was President of the RIBA, are in The Times, Building magazine 26th January 1968, p.98; and the RIBA Journal volume 75, 1968.

Listing NGR: SD4395164768

Source: English Heritage

Listed building text is © Crown Copyright.

Three of the heavily indebted ‘PIGS’ countries – Greece, Ireland and Portugal – have already received or requested bailouts from the European Union and International Monetary Fund, leaving only Spain holding on to solvency without external support.
The sequence of funding failures has triggered fears that Spain could suffer the same fate. Such an eventuality would pose a far greater threat for the Eurozone given that Spain’s economy is almost twice the size of those of Greece, Ireland and Portugal combined.
Spain’s gross external debt hit €1.76 billion at the end of 2010, according to the Bank of Spain. If the Eurozone solvency crisis is following a clear pattern – with investors focusing on one country at a time – Spain will come under greater scrutiny in the coming months.
“Spain’s size, and the distribution and complexity of its various types of sovereign, quasi-sovereign, bank and corporate debt, creates political headaches for the EU far greater than those in the smaller economies,” says Tamara Burnell, head of sovereign and financials credit analysis at M&G Investments.
But while pessimists point to problems in the country’s real estate and savings bank sectors, as well as unemployment in excess of 20%, the consensus view is that the bailouts will stop at Portugal.
“A disaster moment for Spain is not likely in the near term,” says Ashish Shah, senior vice-president of global credit at AllianceBernstein in New York. “Spain is in a much better position than Ireland, Portugal or Greece. But the country is clearly not out of the woods yet.”
Spain’s gross domestic product accounted for 11.56% of the Eurozone total in 2010, according to IMF figures, whereas Greece, Ireland and Portugal together accounted for just 6.06%.
“Growth, while weak, is improving and exports are okay, which will provide some offset to what will remain fairly low personal consumption in the short term,” says Duncan Sankey, senior portfolio director and head of credit research at Cheyne Capital in London.
But investors acknowledge the country faces major financial and economic challenges. Among these, the most significant are unemployment – 21.29% at the end of the first quarter, according to government figures – real estate debt and unhealthy bank balance sheets. All of these problems will continue to attract attention.
“There is no question the banking system is undercapitalised and the government is trying to address that,” says Shah. “The reality is the government is going to have to address it from the fiscal side, which means borrowing money and putting it in the banks. Spain will struggle to deliver the growth it needs to absorb the heavy social costs [of that process]. All this is happening as the European Central Bank is tightening rates, which is particularly bad for Spain because the mortgage market is largely a floating rate market.”
Nevertheless, investors take some comfort in the relative openness Spain has shown in publishing debt figures in its banking and real estate sectors.
“Spain will not go the way of Greece, Ireland or Portugal,” says Luke Spájic, head of European credit portfolio management at Pimco in London. “We know the debts are large but if the banks can be stabilised with equity and then fund themselves, it is very difficult to predict the Spanish banking system will disappear tomorrow. We know the size of the debt so what is the worst-case scenario when they go out to raise money? They might end up with an 80% debt-to-GDP ratio, which is a lot lower than the US.”
In terms of bond market sentiment, however, there are undoubtedly risks that buyers may end up staying away from upcoming Spanish issuance, even though that risk may not present itself for a few months.
“It will take some time for the risk to materialise in Spain because the government is very transparent about what it needs to do and is showing a tremendous amount of political will in that direction,” says Shah.
Nevertheless, the size of the Spanish economy relative to the other PIGS countries means it would be unwise to ignore the risk it poses to the Eurozone.
“At the moment you can still draw a distinction between Italy and Spain on the one hand and Greece, Ireland and Portugal on the other,” says Sankey. “Does that mean Spain is immune from contagion? Absolutely not, although they are looking somewhat better. The size of the problem is so much bigger in Spain that, if it had to be addressed, it might actually hush the voices of some of the less enthusiastic elements in the European Union.”
Yet for some investors, it is not just that worst-case scenarios are unlikely, or even that the EU will ensure they do not come to pass. Instead, Spain may even be worthy of increased allocations.
“There is a stock of people, be it Brits or Scandinavians or Germans, who will go and buy property in Spain,” says Spájic. “There is a massive stock of houses to get through.”
Spájic is also quick to emphasise the difference between the predicament Spain faces and that faced by Greece.
“The poorer peripheral countries have really tough debt dynamics,” he says. “When Greece has to go back to the private market next year, it will be a real struggle. Who is going to lend it €30-€40 billion? The public sector may step in again but then the risk builds it may not come back to market. With Spain you have got to paint a really nasty scenario for that to happen,” he says.
But if the macro picture were to turn negative again across Europe, Spain will not be the only country to come under pressure from investors, argues Burnell at M&G.
“Let’s not forget though that plenty of other large developed economies also share many of Spain’s problems, so there seems to be a reluctance to admit or confront the issues in Spain – after all, looking in the mirror can be painful for those who still believe themselves to be in a far better position. So a solution for Spain probably has to involve a much wider admission of pain than most can contemplate right now,” she says.

Find the full article on Risk.net. Cheyne Hedge Fund is a London-based alternative asset manager

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Fundamentals of Exchange Traded Fund

AGORA 2013: What could EU do to fight youth unemployment?
unemployment fund
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Elia Elenius, Finland/29/employed: "As Member states have different problems, the national parliaments are best positioned to fight youth unemployment. The EU should channel funds through national institutions and they will know their best."

More on Agora 2013: www.europarl.europa.eu/news/en/news-room/content/20131107…

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The Exchange Traded Fund (ETF) is generally treated as a type of investment fund with is usually traded on Stock Exchanges. The Exchange Traded Fund (ETF) contains monetary assets like stocks and bonds which are traded with its net asset value. Exchange Traded Funds (ETF) are the most sought after form of investment as it is less costly, its tax efficiency qualities etc. An Exchange Traded Fund (ETF) is considered to combine the valuation of a mutual fund that is capable of being sold after the trading day for the net asset value. An Exchange Traded Fund (ETF) acts just like a company that contains several assets and allows shareholders to have a share of the benefits of the assets. The shareholders get a share of the profits from Exchange Traded Fund (ETF) like dividends or interests and also receive a residual value if the fund of the ETF is liquidated. Exchange Traded Fund (ETF) being an index fund provides investor with a large window to view the stock exchange situations not only in a particular country but the stock exchange system worldwide on a real time basis with a lower costing structure unlike other investment options.

Apart from ETF Fundamentals which is also a port folio in itself, there are several guide books available which guides people to avail a long-term financial security at by helping them know of the various methods of investment and the returns each one can get. Books like Fail Safe Investing and several other have these concepts in them which are very simply stated conveying the message to the common people who are interested in investing. These texts advise the common people to diversify their investments of bonds, stocks, gold, cash etc to make sure they are financially safe. The writer also ensures that people owning such a type of diversified portfolio do not have to worry about global financial crisis like recession, inflation or deflation where the financial conditions of people usually deteriorate with major problems like unemployment, bankruptcy etc. Different aspects of the portfolio perform differently throughout the year and therefore equalizing the returns in spite of the variations in the financial market.

Several financial institutions and individual investors have adopted the strategies of this book and are said to have found the strategies very lucrative. During the period of recession in the year 2008, investors and brokers who had adopted this plan found it extremely lucrative as it could give good returns apart from the monetary terms. The book advises people to dividing their finances into four parts. They include 25% in Stocks which provides good returns during prosperity, 25% in bonds that gives returns during prosperity and deflation, 25% in money market funds and 25% in Gold which protects one’s financial condition during Inflation.

In comparison to pure stick portfolio the Permanent fund Portfolio is diversified strategy of investment which is a sometimes a sort of an investment idea for investors as one cannot always afford to invest in the four different parts of the portfolio. It is not always considered the ideal type of invest and cannot be made an Investment blueprint and followed blindly. No matter how you are investing and where you are investing, but you need to know the way of making the safe investing that entail you to have more profit.

This article has been written by Demmy Groves, who is associated with ETF Fundamentals for a long time. She has described here how to avail the long-term security through Fail Safe Investing , the book, which is essential prior to make any investments.

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