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Proudhon and Anarchism - L. Gambone
historical paper - about pragmatic anti-utopian anarchist philosophy
The bank revolt of '09
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tri-state residents are fleeing to low-cost credit unions -- growing the amount of cash on account at the depositor-owned financial institutions by 34.5 percent in June 2009 compared to the year earlier month, according to a new survey.
That's well ahead of the 7 percent gain for all metro area deposits -- consumer, business, trust, etc. -- according to the survey by Chicago-based Moebs Services.
BT line down, how do you get a refund? - MoneySavingExpert.com Forums
Looks complicated but useful. £1 a day doesn't go far on a mobile
How does the compensation work if they accidentally disconnect you? Does the 3 day wait still apply?
(What if your service is provided by BT Openreach but you purchase it through a reseller?)
PCG expresses concern at new guidance issued by HMRC | Oct 2009
Lets hope for some rapid backtracking.
Why the £70,000 'good salary' doesn't really amount to much | The Observer
:(
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When I looked into the (admittedly ambiguous) legal situation, I'm still tied to the assured shorthold contract and would be liable for outstanding rent if I moved out. However, if he is repossessed, the contract counts for nothing and I can be out in weeks.
It's situations like this that mean renting is a rubbish thing in Britain
Summers: Big Finance vs. The Middle Class - Real Time Economics - WSJ
The list is longer than I thought.
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“All too often,” he said, “a financial system that is intended to manage, distribute, and control risk has, in fact, acted as a source of risk. Risk that has resulted in severe consequences for millions of taxpayers, consumers, and investors through little fault of their own.”
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“All too often,” he said, “a financial system that is intended to manage, distribute, and control risk has, in fact, acted as a source of risk. Risk that has resulted in severe consequences for millions of taxpayers, consumers, and investors through little fault of their own.”
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A million frozen out of mortgage market - Mortgages, Money - The Independent - October 2009
Uh oh!
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"The FSA says it can't understand why anyone would need a self-certification mortgage. That's a damning indictment of its understanding of the market. Often a small business person will take one out because in the time it takes them to prepare the accounts they need to prove their income they could lose a house."
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"We are not trying to make it impossible for self-employed people to get mortgages. They will just have to prove their incomes."
Here’s how I negotiated out of bank fees — part 2 « I Will Teach You To Be Rich
Nice tip
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Add Sticky Notesomething bugged me, and I called the bank, asking if I would be charged interest on the $500 or the $10500 if that last bit wasn’t paid off. Sure enough, they would have hit me with about $200 worth of interest
- Nasty catch with credit cards. - on 2009-06-18
Driven: Shai Agassi's Audacious Plan to Put Electric Cars on the Road | Wired | 2008
in depth feature
I want to understand how electric miles are so cheap. 8 US cents a mile, and falling - very interesting if it is true.
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He had no cars, no test site, and no electrical engineering or auto experience.
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what Shai was building was still essentially a software company. He needed a network that allowed cars to tell the grid how much charge they were carrying and how much more they required. The system had to know where the car was so it could tell the driver where to go to "fill up." And it had to electronically negotiate with the local energy utility over when it could and couldn't take power and how much to pay.
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All the King's horses... | LabourList.org | Chris Cook | 2009
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Add Sticky Note
The Conservative spending cuts would lead to further defaults, money destruction and Depression; whereas Mr Darling's path of money creation, and quantitative easing of the rich, leads directly to Inflation.
I argue that it will not be either. The emergence of the direct Peer to Peer connections of the Internet will enable the financial system to be by-passed through a viral process I refer to as Napsterisation - after the disruptive software which has changed the music industry for eve
- weird! - on 2009-05-12
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Hong Kong raises 35% of its taxes efficiently and painlessly (other than for landlords...) from taxes and rentals on land. Their alternative would be to load it onto the earned income of individuals
an businesses. - 1 more annotations...
The Cooperative advantage | Chris Cook| May 2009| LabourList.org
Perhaps I missed a couple of points here, as I found this a little rambling.
However the ideas are very intriguing. Partners can apparently form an agreement where they invest in different ways, get back surpluses as their own taxable income, but not lose more than they put in. Meanwhile they do not have to form a board of directors, nor pay dividends or corporation tax.
Was the idea of not writing contracts for service providers (the actor partners in the film) an LLP taken to the extreme, or could this be a normal way of doing things? .
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An LLP costs £20.00 to incorporate, and there isn't even a requirement for a written LLP agreement since simple default provisions based upon partnership principles otherwise apply. Neither does it pay tax, since the tax-man assumes it does not exist, and taxes members on the income or gains they make through membership.
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The LLP did not own anything (the Intellectual Property was held by a custodian); employ anyone; contract with anyone or even do anything. It was simply a framework within which the necessary stakeholders came together cooperatively for the common purpose of the film.
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co-operative News - Scotmid profits climb by 37% - April 2009
Good news.\n\n"It is particularly pleasing therefore that, 150 years on from those brave co-operative pioneers in Edinburgh, we find ourselves in such a healthy condition as we look to the future.\n\n"There can, however, be no room for complacency."
Understanding New Cooperative Models: An Ownership–Control Rights Typology - FR Chaddad ML Cook - Review of Agricultural Economics - 2004
New and hybrid cooperative forms - especially with different forms of capital.
These Dividends Are Safe | April 9, 2009 | Motley Fool US
Useful selection of large cap stocks
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Meanwhile, these companies are easily covering their dividend payments with earnings and aren't straining under ridiculous leverage. This doesn't mean it's impossible these companies will cut their dividends, but they're excellent candidates for further research.
Murray’s Blog » Losing Faith in Banks | March 2009
Rant. "From what I hear, Norlarco’s board allowed someone to make risky investments in Miami property and that essentially killed it."
Barclays 'misled customers into gambling their money on risky investment' | Mail Online
FAs at it again
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Financial advisers have accused the bank of breaking basic rules of advice by investing most of their customers' money in just one fund
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I know of two people whom Barclays tried to sell this fund to and both were given the same heavy selling sales pitch eg "investment in this fund could mean the difference between you having a decent car in retirement and not having one?" Luckily both stayed away.
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Jonathan Schwartz's Blog: Technology Adoption (2 of 4) | March 2009
Schwartz talks up the Sun stock price (though with lots of cash, it doesn't need a high stock price)
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my ban failed." What? "We hire lots of people out of college every year, and they all come in knowing MySQL. All my prototypes are written to MySQL, and now I have a big base of MySQL apps I don't want to port, and a bunch of MySQL programmers I don't want to retrain.
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. That's why you see so many free credit cards, free checking account, free mobile phones, free month's rent, free social networking, etc. In the technology world, free is the new black.
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HomeBuy Direct - Housing - Communities and Local Government
Apparently Darling gave this scheme an extra 80 million pounds in today's budget.
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Add Sticky Notethey will be invited to choose one of the HomeBuy Direct properties brought forward by the developers.
- Why do the developers get to choose? Why can't all new homes below x value be eligible, as in Northern Ireland? - on 2009-04-22
CUES Skybox: A Model for Credit Union Board Renewal |Ginny Brady |April 2009
A challenge - if a healthy democracy means healthy governance, how do we make the democracy healthy?
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It usually takes some kind of crisis to get people to participate - CU Conservatorships, Mergers, Scandals? Believe it or not we have not had one comment from any of our members on the corporate controversies. We want a board and management that make the members secure and not have to think about their CUs viability and strength and yet we want involvement. How to get both is the challenge.
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