These Guys?

THEY MAY NOT HEAR YOUR VOICE BUT THEY MAY PAY ATTENTION TO YOUR WALLET FANCY KICKING THESE GUYS IN THEIR WALLETS FOR A CHANGE? £63k a month as reward for leaving Northern Rock bankrupt anyone? Its Alan Applegarth.. Yes please, me me me me me!!! How about after you made a total mess of HBOS we make you deputy head of the FSA! Wouldn't that be hysterical, they are so stupid they will never notice.. Remember that look ? Guilty secret? What guilty secret? £700,000 /yr pension for failure anyone? YES PLEASE HAVE NO FEAR..ours is the oldest democracy defended by the great and the good and the brave to the highest standards of decency and the collective wisdom of the House of Lords, our democracy defended by the noble Speaker of the House of Commons. Here he is....space HANG ON...This guy allowed the police to raid an OPPOSITION MP's office without a warrant.. What was the MP's crime? Was he a terrorist? Well ...no he just wanted to tell the public what the Government were doing. HE IS EX LABOUR..DO YOU THINK HE WOULD HAVE LET THE POLICE TURN OVER A LABOUR MP'S OFFICE WITH NO WARRANT? AH BUT WE HAVE THE NOBLE HOUSE OF LORDS TO KEEP THE HOUSE OF COMMONS IN CHECK .. HERE IS ONE OF THEM Its 'Noble' Lord Archer, lied to a Court for money, sent to jail for it but still allowed to make laws in the house of Lords..How does that work? GOOD GRIEF THERE MUST BE SOMEONE WE CAN RELY ON FOR GOODNESS SAKE!!! LETS TRY THIS GUY – Lord Taylor of Blackburn Lord for hire, Lord Taylor of Blackburn...GOOGLE Him ...nice chap SICK AND TIRED OF ALL THIS LOT BUT DON'T KNOW WHAT TO DO? DON'T HAVE ANYONE YOU WANT TO VOTE FOR? FEEL POWERLESS? DON'T VOTE WITH YOUR VOTE. WHO WOULD YOU VOTE FOR ? VOTE WITH THE ONLY THING THEY CARE ABOUT ...THEY FEED OFF YOUR WEALTH...DEPRIVE THEM OF IT. YOU DON'T EVEN NEED TO GET OFF YOUR BACKSIDE OR BREAK ONE OF THE EVER INCREASING LAWS THEY MAKE TO KEEP YOU UNDER CONTROL TO DO IT... INTERESTED? HOW ? ITS AS EASY AS 1,2,3 1) LOOK AT THIS PHOTO FOR A BIT THEN SHOUT ''I'M AS MAD AS HELL AND I AM NOT GOING TO TAKE THIS ANYMORE '' 2) DECIDE YOU ARE GOING TO DO SOMETHING ABOUT IT. 3) DO IT A FEW WISE WORDS OF INSPIRATION FOR YOU... Want some Karma in your life ? Do you know what the original ancient meaning of Karma is? YOU MAY BE SURPRISED THE MEANING IS '' WILLED ACTION '', YOU MAKE A DECISION YOU ACT ON IT AND THINGS CHANGE FOR THE BETTER. Want some Karma in your life ? DON'T WAIT FOR IT TO HAPPEN DO SOMETHING!!!! HOW? SIMPLE. DON'T GIVE THEM YOUR MONEY FOR THEM TO FEED OFF ANY MORE BANK WITH RBS? NOT HAPPY WITH FUNDING SIR FREDS PENSION... CHANGE ACCOUNTS, CHANGE POLICIES, REMOVE ANY FINANCIAL INVOLVEMENT YOU HAVE WITH THEM. BANK WITH LLOYDS TSB? - CONVICTED IN THE USA OF LAUNDERING FUNDS FROM IRAN TO MAKE SOME CASH...BULLIED BY GORDON INTO MERGING WITH THE BASKET CASE CALLED HBOS... CHANGE ACCOUNTS, CHANGE POLICIES, REMOVE ANY FINANCIAL INVOLVEMENT YOU HAVE WITH THEM. BANK WITH BARCLAYS? – ALLEGEDLY RUNNING A DEPARTMENT DEDICATED TO AVOIDING PAYING TAX IN THE UK..DESPERATE NOT TO TAKE GOVERNMENT MONEY SO THEY CAN KEEP THEIR BONUSES AND WHAT EVER ELSE IT IS THEY MAY BE DOING..... CHANGE ACCOUNTS, CHANGE POLICIES, REMOVE ANY FINANCIAL INVOLVEMENT YOU HAVE WITH THEM. BANK WITH A BANK THAT DOES NOT HAVE AN ETHICAL BANKING POLICY i.e. ALMOST ALL OF THEM? WELL THEN TO BE SURE YOU ARE COMPLICIT IN SOME UNETHICAL PROFITEERING , FAT BONUSES AND SPIVERY IF YOU KEEP FEEDING THEIR PROFIT IN THE HOPE OF GETTING A PIECE OF THE ACTION YOU ARE NO BETTER THAN THIS GUY. HOW DO I TAKE MY MONEY AWAY FROM THEM? A few simple steps tried and tested by the authors of this document TO CHANGE TO AN ETHICAL BANK ACCOUNT..THERE ARE SOME OUT THERE.. Keep your old bank account open....for now..do this at your own pace, you may have been with bank of spiv for years..... Got an overdraft with bank of spiv? Don't worry, just leave it there and pay it off slowly over as long as you want by transferring money from an ethical account, it will cost you a little bit more in interest that way but what price a clear conscience..and you get rid of your lingering overdraft....Be careful not to stray by accident 1p over your limit though..bank of spiv will try to charge you £6 per day and £30 per transaction and the like. If that happens claim it back through a court of law, bank of spiv has been using this scam for years and is still trying it on..not for much longer, most people get their money back now from the banks when they claim it back, bank of spiv does not care it keeps on trying. Do some research on the net, find the ethically run bank that best suits you or failing that there are what are called 'Mutual Building Societies' which are generally more ethical than any of the high street banks. We have not made any recommendations here because we do not want to be accused of any self interested motives for this. Just type in 'ethical banking' into Google or Mutual Building Societies and off you go. Many of them run current accounts just like the one you have now. Give them a call, open an ethical account with £1 or whatever, get all your cards through etc, familiarise yourself with it. This procedure varies, some accounts can be opened over the phone very quickly for example if you already have a registered UK current account, some you need to fill out forms in branch or by post ,usually not. Either way it is straight forward and you can keep your old account while you do all of this. You will already be feeling better at this point....Karma. Once you are happy with things in your new ethical account arrange to transfer your salary with your employer to the new account, this is usually one simple form to fill out. Before your first salary arrives in your new account cancel all your direct debits and standing orders with your existing bank, this sounds like a nightmare but it is not. If you do internet banking it is just a few clicks of the mouse to both remove old direct debits and standing orders and set up new ones on an ethical account. For some providers (utilities and council tax usually) you may need to call them up to change you bank details or fill in a form, again this proved to be very straight forward a phone call was enough. Make a list of your regular payments from your bank statement and call them one by one. Give them the new details and cancel the old ones, they do the rest and send confirmation in the post usually within 1 or 2 days. Rarely did people have to fill out any forms to do any of this, all very easy in the modern world....karma Keep your old account open with some funds in it just to make sure you have not missed anything (quarterly payments for magazines for example nearly tripped me up) and give yourself some time to get used to your new ethical account. Start using your ethical account, feel the karma, you will already be depriving them of commission on direct debits and what ever else they do with your money to make money for themselves (including losing it all on high risk investments and covering their tracks while being made knights of the realm and bailed out by the tax payer ..that's you and me not them..they all keep their money offshore in tax havens..)..nice being a spiv isnt it. Start to look at other services provided by your old bank like insurance and get rid of those as well. Ladies its the modern equivalent of burning your bra, burn your spiv bank account, feel better, move on....karma Feel better, you have made a difference, you are not feeding the self serving financial beast any more. Tell your friends to do the same. What difference will this make? The spiv banks need your money to survive be it your personal current, savings or business account, they invest your money, take commission on debit card payments sell you other services like insurance, charge ridiculous punitive bank charges if you stray accidentally over your limit by 1p etc. This type of mass action will also send a very powerful message to government that the type of irresponsible banking practise is not acceptable to the silent majority and if the government is not prepared to do something serious about it then we will. The current Labour government spent years investing in getting to know the banks and the city of London, senior labour figures, senior banking figures and senior figures in the FSA are like one big old boys club. They do not want this change no matter what they say. The conservatives are part of that same social circle with the same Common Purpose. Break the cycle of the rich getting richer by feeding off small business and hard working families, the very people they pretend to defend in order to get elected. Will ordinary people in the banks lose their jobs if lots of people do this? Yes they will, I wish that was not so but that is the truth of it. Some ordinary hard working folk will suffer. It should balance out eventually as ethical banks grow and recruit to cover the demand. We just can not think of another way, this seems like the least worst option. Voting for the current political parties is just like changing the wall paper. The political, financial, legal and media elite move in a very small circle of influence, they do not want radical change, they do not want the gravy train to end. Good luck. This message was originally sent by Jericoa. For those of you interested in a bit of background as to why the world economy got in this mess read on below...it may send you to sleep though.. What is the end game to this financial crisis? The answer is no one knows for sure. There are I think, a range of possibilities and they all depend on the behaviour of many inter-related actors who have conflicting interests. First things first, So what has happened? 1)Economic power moved from the consuming western nations to the saving & exporting nations (mostly Middle eastern oil and far eastern manufacturing and services in India and China ). These exporting nations (mostly China, India, and oil rich countries) also sent their savings over to the west along with their products, we used their savings to buy even more of their products, we bought more using the money they lent to us... This was visible for many years in the form of huge trade imbalances year on year and savings rates imbalances also these were commonly reported and known for years and years, yet nobody did anything. The west had huge debt and huge imports, the rest had huge exports and huge savings, which they sent to the west to be packaged into irresponsible loans helped by bonus fed greedy spiv bankers so we could buy more of their goods and so on until we popped towards the end of 2008. 2) Thanks to this hideously imbalanced system the west consumed on over-drive and the rest (mostly the east) produced on over-drive. It only hit the buffers when, we started to hit the limits of natural resource availability to sustain this and thus raw material prices start to rise. This was visible in the spike in commodity prices when Oil was over $150 a Barrel (remember £1.25 per litre of petrol?) and with steel , and copper and aluminium and the like all at record prices too. 3) While all this was building up due to poor bank regulation loans from the cash rich east were given to people and business who could not hope to ever pay them back unless the economy kept growing and growing along with their salaries and prosperity.. Like a pyramid selling scheme basically. This was always an unsustainable situation on a planet where natural resources are finite. This imbalance was exposed horribly when the rising cost of living from item 2 above meant people could no longer afford to live and serve their debts. These factors converged and made a volatile mix which blew up in the face of the global economy. 4) Due to 3) & 2) the economy started contracting and in conjunction with near collapse of the banks this further fuelled expectations it would contract further thus making it shrink even faster (markets efficiently doing their jobs and predicting the future). This is now visible in profit warnings, companies going bust, unemployment leading to yet more defaults on debt leading to yet more pressure on banks due to bad debt and falling asset prices upon which the loans were secured (toxic assets) etc. This is the point in the process where we are right now, just look at the news to see the truth of this. SO, that's where we are now. As to the future there seem to be two broad themes. The optimistic scenario a) - what the government are telling us and the pessimistic internet doom monger scenario b). In A) the Gov through bailouts and low interest rates cull the deflation caused by 3). Demand destruction causes production destruction which solves 2). The rest ( far east and middle east mostly) decide that despite the fact that we can not pay them back they quite liked the old order of the west spending their savings to pay for it's consumption as it keeps those in power in luxury so keep on sending us their savings to spend. That solves 1). The old order is restored and growth starts from a slightly lower level at the same pace. Many people may die in the developing countries but they aren't us so we don't care....NOT karma. In B) The rest (far east and middle east mostly) refuse to keep sending us their savings if we don't pay them back.... Governments with large debts already (ie most of the west) become trapped between bailouts which causes currency devaluation and thus stagflation or don't bail and suffer plain old deflation. Western standards of living plummet (see Argentina) so we are more on a par with the rest (far east and middle east mostly), which makes sense as that is where we get all the stuff we use from.... Whilst this is happening the rest eventually manage to 'de-couple' from our economies and start consuming their own goods and each others products.. what do they need us for? Assuming war doesn't break out by this point as the west starts to stage an economic recovery ourselves we run smack bang back into the resource limits 2) again and the wheels fall off even worse than they are now as everybody competes for dwindling oil, gas, steel ,copper etc etc etc. China have bought up huge chunks of natural resources in developing countries by the way.. As such it is clear there are several key decisions that will decide the outcome, Biggest is the transfer of savings from the productive nations to the west. If the Dollar, Euro and Pound continue to fall against commodities to the point that we no longer have a trade deficit, we'll know the games up. Pass that hurdle and it's the bailouts, if they get them wrong we'll have either continued deflation or massive inflation. Then there's peak resources waiting in the wings - fail to tackle sustainable consumption and we'll just run bang splat into this in any recovery as there is simply not enough resources in the world for everyone to drive a Mercedes and live in a suburban house and throw 33% of their food in the rubbish bin....... Of course amongst all this turmoil at any time some nation may decide it can do better going to war and lo, chaos. And should we dodge all of those bullets, we've still got global warming to contend with at some point in the near future..or a flu pandemic, of which we are long overdue... and our economies will need to have the funds to deal with natural disasters if we are to deal with them successfully. Think Katrina and New Orleans! SO, what's the end game, well I am quite certain it lies somewhere between a recovery early 2010 taking us back to the status quo for a while at least which may buy us enough time and on the other extreme a nuclear holocaust that ends all life on earth.... What do you think? On the basis that it is better to do something rather than nothing we figure if we all just start behaving a bit more ethically and cut out the worst of the greed it will at least be a step in the right direction. That is all that this e-mail is about. Please send it on with a personal recommendation to everyone you know. Karma everyone. Jericoa Jambo Rahere CoralBloom OldNick666 and others from the The LobbyGroup We are individuals we do not form part of any political organisation.