I left school with no qualifications at 15 and from 1985 to 2002 I was never without a job for more than a couple of months. Some companies were not right for me and I didn't stay long. Others were a compatible match and I stayed. Times were good and as a young man I didn't give a stuff about politics.
I was made redundant in 2002. I had worked my way up a career ladder and had a really good job, an amazing job in fact but I had earned it. Through my experience of different jobs and different sectors I learnt about management skills and what made a good and bad managed company.
I have spent the last ten years, since obtaining an MBA from a Russel group university, finding out what screwed up my life. It turned out to be Dr. Gordon Brown of the Labour party. I have been on a journey, from a position of no opinion to a position where I am confident enough to use what I have learnt over the last ten years to make some predictions. If I've missed anything let me know at editor at this place.
It seems we must re-learn how to debate. The systematic destruction of the education system has allowed a lost generation of skill, talent, innovation and experimentation of which understanding statistics and limitations is a basic requirement.
The evidence must be allowed to speak for itself
I am not directly anti an EU/Euro-zone type thing exactly. I am anti what it has become. What it is doing to Greece is frankly criminal, the obvious solution is a devaluation of it's currency. France is taxing all the wealth creators away, these countries are going to suffer terribly. Expecting high taxation to create growth is a non-sequitur and this has been proved time and time again.
The European project's ideology has overtaken it's practicality. Low tax, high growth, is a fact. We have the money to pay for nice stuff when we can afford it and have saved enough, and if the socialists don't get in charge every-time we have a positive bank balance, the quality of life will go up for all.
This is not theory. It is fact. If you want evidence take a good look at Canada and compare with one of the less evil people's republics and tell me which one you'd choose.
BitCoin address 1CdJ2JTuetF5fHzGSHfZCCjDUQJpH8NfU7
Why Interest rate rises are needed and how funding for lending is going to put more people in un-repayable loans.
The true growth factors that governments are failing to understand are savings coupled with reasonable interest rates. The more savers who can live from their interest returns, the less have to work providing more jobs in the economy.
The current policy of forcing debt on people at historically low interest rates is setting real people up for a fall when interest rates rise, which is the only thing that will start spending in the economy (and that will be real, not debt) and people will...
Comments (Finally the Policy maker agrees with me on debt
It has long been my position that paying down debt is the most important thing that families and businesses can do to free themselves from slavery and finally I have some agreement from the establishment, from no less than Adair Turner, the man regular readers might know who is responsible for the lack of oversight in the beast of perverse incentives and morale hazards that was the Financial Services Authority.
The FSA itself was an amalgamation of six or so different bodies put in place to...
Comments (Cyprus - And the guarenteed 100k
A deal has been done and although it still has to pass through a few votes, as predictable (In fact I predict it here Cyprus - Much Ado about nothing) it's not quite as hard as it could have been on the initial rumour that the European guarantee would not apply to previously protected funds of below €100k in this special case. Aside from the issues of legality and damage to the credibility of the Euro-zone should that have been the case, it wasn't and those savers are now protected...
Comments (50 ways to increase your debt burden
Debt is slavery. Be in no doubt, those to whom you owe money have full protection under the law. They're not allowed to break your knee's it's true but the Muslims, and housewives know that you cannot live in debt which always has a nasty habit of rising faster than was ever calculated at the time.
I think most rational people know this and that is why spending is downwards. Government is intent on taking a shilling on everything that moves, or doesn't failing to understand that the more is...
Comments (Cyprus - Says No to Savers tax
As I speculated yesterday, the savers tax as it was originally proposed - over the weekend, so the markets had plenty of time to digest the information and the media in a frenzy has been voted against. Not particularly surprising as anyone who'd ever want to get elected in the future would never be forgiven by the electorate. Now, we just need to see what their alternative is.
Comments (Cyprus - Much Ado about nothing
The overall panic that's spread from the rumour mill about the theft of savers money from the Banks of Cyprus seem to be in the same vein as that of the EU budget reduction 'negotiated' by David Cameron, smoke and mirrors, and it was a few hours after the first news wave spread that it was revealed that there were other points to take into consideration. For one, and most importantly, there was no action taken - It was just an idea... To be voted on to be sure, but at the end of the day it was...
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