Money: Is it fait accompli?

It is done, finished, dusted. Or that is what is the seemingly future of capitalism is heading towards.

With so much debt being accumulated by the worlds governments, the future of money as we know it, is staring down a bleak future. I mean, why else would the worlds leading economies spend much money on hiring spin doctors (marketing drives, public motivational initiatives, yes-you-can propagandas,) who make use of emotive euphemisms encouraging us to tighten our belts (for our own good of course,) until the present-day depressive economic cycle is overcome and put to bed?

We, the people, are encouraged on a daily basis to save, to be frugal and to service our debts responsibly. We are also told that the world is facing an economic double-dip recession and that we must remain positive until such times as our leaders have debated, discussed and argued a viable solution that will ensure our future prosperity and affluence; all for our own good of course!?

I for one become paranoid when governmental types start pushing blame onto us ‘wicked’ people (wastage, lack of frugality, irresponsible spending, not saving, etc) for the monetary problems being experienced around the world. Not only do I become paranoid but also extremely cagey of verbiage and clever manipulation of words by leaders, politicos and corporate chiefs, when they expound the evils and consequences of the ‘debt’ crisis, for it mostly becomes our doing and our responsibility to fix.

Caveat: there is a reason why the rich get richer and the poor poorer!?

As Bertrand Russell so aptly stated “advocates of capitalism are very apt to appeal to the sacred principles of liberty, which are embodied in one maxim: The fortunate must not be restrained in the exercise of tyranny over the unfortunate.”

The one solution is to learn to read between the lines and not be sucked in by the propaganda of deflected blame and implied guilt.

The problem is that we have become so reliant on money in all its glory that changes to capitalism does not sit well with us. We are locked and loaded into the barrel chamber of capitalism. The only way out is by pulling the trigger of change. Yes!?

Climate Change versus Employment

Climate change is not a new phenomenon. It is a weather condition that has been hapening in cycles over the past millennia; and by all accounts, the next cycle has been 50 thousand years in the making.

The bottom line is that climate change is a natural ecological event that is going to happen irrespective of humanity’s effort to stave it off; stave being the operative word.

Global-warming is another kettle of fish altogether: besides it being a natural ecological occurrence that takes place every-so years, it is also an occurrence that is aggravated by human consumption and industrial activity.

On the natural side, volcanic activity, solar radiation and the earth’s cyclic movement through the Universe, et al, all play a role in keeping the environmental scales in fine equilibrium, or not.

On the human side, industrial growth, human green-house gas generation and fossil fuel usage all contribute to upsetting the fragile balance that encompasses the environment, atmosphere and the way the eco system deals with these eventualities.

Although the Industrial Age is lauded and praised for much of the technological development that is being experienced today, it has brought with it unforeseen (maybe) side-effects; side-effects that have malignantly contributed to the many environmental problem and human enslavement being experienced today.

Yes, medically, technologically and financially, humanity finds itself riding the waves of success and development (although the last one is debatable.) Humanity is at an all time high: lofty life-spans, healthy bank balances and prosperity. And now that the ‘east’ has caught up and surpassed western developments, life has accelerated to the next level faster than anticipated.

Humanity has become technologically and information hungry. It has huge wants-and-needs that are being met by extravagant usage of natural recourses and over capitalisation of available real estate, all drawing upon the human propensity for avarice to drive those wants-and-needs along.

The main challenge facing modern Governments is employment: how to create avenues that help foster employment versus creating avenues that produce profits, thus keeping the economic status-quo fresh, is the quandary? It may be argued that other systemic life issues are of more importance but without employment, the system will consume itself to the overall detriment of humanity – the money energy cycle needs to be maintained.

To my mind, all the talk of climate change and or global warming will come to naught if the employment factor is not fixed. A hungry person does not care about the environment. A dejected unemployed person does not care about the environment. As a matter of fact, both types of people are more given to fits of pack-rage and destructive tendencies than those that are gainfully employed.

The South African Minister of Energy Affairs recently stated that renewable energy initiatives will cut employment as renewable-energy power generating plants, besides being more energy efficient, are also human real-estate efficient e.g. wind farms require less human-power to keep the equipment operational than that of a coal fired power station. Solar farms face the same employment dilemma.

With the growth in the human population expected to reach nine billion by the year 2030 (by recent extrapolations,) the employment quandary increases with each passing year. A prospect that is going to place even greater stresses on the environment due to the logarithmic growth in energy demand, food requirements, and other natural resources. A prospect that is neither positive nor captivating for the coming generations of humans.

I am of the opinion that the existing democratic (or whatever other forms of Government there are around the world) and capitalistic energies are in dire need of an overall. These energies worked well during the birth of the Industrialisation age to about 20 years ago. Since then, they have been faltering and overwhelming humanity at a dizzying pace of consumption. Changes to both systemic energies will not be easy, but the alternatives are worse.

Carl Sagan once said that if humanity can survive past its puberty stage (speaking of human development in the greater scheme-of-time,) the future will be humanity’s oyster. Unfortunately, very little positivity is pointing in that direction.

“The needs and wants of the people need to be addressed and pacified. Workable solutions have to be constructed in such a way that either gainful employment is generally guaranteed or alternatively, that a new means of income generation is implemented i.e. doing away with the traditional capitalist way of doing things.” ~ Global Warming: A Growing Woe

But of course, it is always easier to talk about the positives of life and to talk about climate change when one is gainfully employed!?

Menial Work is Dignified

The below mentioned piece of counsel was caught transversing the ethereal space of the internet at the speed of light.

It relates to a point by point speech purportedly made by the multi-billionaire Bill Gates to a bunch of high school kids. He talks about how feel-good, politically correct teachings created (and continues to create) a generation of kids with no concept of reality and how this concept set them up for failure in the real world.

The 11 Reality Checks are:


Reality 1:
Life is not fair - get used to it!

Reality 2:
The world won't care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.

Reality 3:
You will NOT make vast amounts of money right out of high school. You won't be a vice-president with a company car until you earn both.

Reality 4:
If you think your teacher is tough, wait till you get a boss.

Reality 5:
Menial work is not beneath your dignity. Your Grandparents had a different word for menial work: they called it opportunity.

Reality 6:
If you mess up, it’s not your parents' fault, so don't whine about your mistakes, learn from them.

Reality 7:
Before you were born, your parents weren't as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parent's generation, try delousing the closet in your own room.

Reality 8:
Your school may have done away with winners and losers, but life HAS NOT. In some schools, they have abolished failing grades and they'll give you as MANY TIMES as you want to get the right answer. This doesn't bear the slightest resemblance to ANYTHING in real life.

Reality 9:
Life is not divided into semesters. You don't get summers off and very few employers are interested in helping you FIND YOURSELF. Do that on your own time.

Reality 10:
Television is NOT real life. In real life people actually have to go to the office.

Reality 11:
Be nice to people. Chances are you'll end up working for one.


Interesting reality checks that are not in keeping with the new-age mentality of positive self esteem and constructive approbation. Yet, all real and glaringly hard.

To my mind, the stated reality checks should be read by all who perceive the democratic processes as being one where ‘take take take’ is the rule of thumb.

Global Warming: A Growing Woe

I am of the opinion that the whole so called global warming/climate change issue is too complex a subject to just apportion blame willy-nilly onto the veritable human being, especially as no real workable solutions are put forward by the activists and pundits of global warming/climate change theories.

We live in a self perpetuated and accepted way of life that puts much emphasis on finances and wealth. We mostly all work for a living because of that culture: Those that sponge of the system are looked upon as just that; spongers (why don’t you get a job, you lazy good-for-nothing so-and-so.)

The accepted capitalist system is devoid of emotion and empathy: two human qualities that make life liveable and mostly comfortable. We are becoming automaton of technology and convenience while overlooking the consequences of those actions (I have money, why should I care.) Anyway there are enough charities to contribute too to pacify that nagging conscience.

I am also of the opinion that the capitalist system as we know it is long overdue for a makeover. The fact that the living-wage gap (rich vs. poor) is getting larger by the moment, is enough of an indication that all is not well in the land of finances.

Add to the above equation an emotional subject such as global warming/climate change and a calamity is created at the forefront of the human perception and psyche. The situation is mostly aggravated by the fact that traditional means of incomes are threatened by the call for closure/minimalisation of factories, manufacturing plants and energy utilities – oil is bad, coal is bad, CO² is bad, methane is bad, flatulence is bad, meat is bad, mercury is bad, sugar is bad, cholesterol is bad, obesity is bad, paper is bad, planes are bad, motor vehicles are bad, smoking is bad, fertiliser is bad, et al.

The above-mentioned commodities supply a large percentage of workers with employment/wages on a global basis.

The call for cleaner and renewable energy utilities is adding to this woe for most of the proposed renewable energy generating theories require little human intervention and hands-on skills (not labour intensive); and are expensive to boot.

Developed countries are being asked to provide assistance (money) to developing countries so that they too can implement ‘earth saving’ initiatives. This in itself is seemingly the-proper-thing-to-do, but the underlying catch is that it’s the tax-payers living in the developed countries that will have to foot this noble expense. It must be said that altruism and charity, although seemingly noble, do not fix the underlying problem(s).

So yes, global warming and climate change is a reality of life on earth. It has been for countless of centuries and nothing we do will stave off that inevitably. And yes, our contribution to that ‘inevitably’ can also be counted and measured. And yes, many proposals have been put forward by pundits and activists alike – some more aggressively than others, to what needs and must be done to put off that ‘inevitably.’

What most do not want to take-in is that the problem is not that simple to solve. Those that are at the forefront of the war for change, are mostly gainfully employed or living of the welfare of others, or living on some plot of land (usually wrongly occupied or left behind as an inheritance) growing their own meagre crops feeding themselves and their offspring: close to nature, so to speak.

What most also do not take in is that there are factors outside the control of the veritable human being viz. Volcanic eruptions, solar flare-ups, earth’s passage through the galaxy/universe, moving tectonic plates, etc, that add to the ‘inevitably’ equation.

The ‘legacy’ issue also plays an emotive role in the whole cry for survival i.e. what of the future of my children, what about the poor animals, etc.

And then there is technology; another detractor.

Technology has provided a portion of the human race with tools that have made the acquisition of knowledge easier and cheaper. Technology has also provided a portion of the human race with powers that were previously not easily enacted i.e. freedom of expression (good and bad,) global empathy (good and bad,) power to circumvent despotism, cyber anarchy, etc.

Technology has also provided a portion of the human race with feelings on invincibility and immortality i.e. blogs will live long after one has expired, I can say what I like to whom I like without fear of physical consequence, the power of anonymity, governmental/corporate feel-good marketing campaigns, etc.

And not forgetting the power that technology has granted the giants of human-thought-manipulation i.e. the media, the swaying of public opinion, bending of outcomes to suit a given objective, popularising a certain way of life, sensationalising a happening for the sake of profit, etc.

I have over the past years made it my business to follow the reasoning behind the global warming malady by reading, watching, researching and pensively thinking about the issue at hand (from both sides of the spectrum.) I have also, in view of the few points mentioned in the preceding paragraphs, tried to formulate an opinion that encompasses the problem as a whole, without going off the activist deep-end.

My take on the problems facing the required ‘global warming’ mindset change always comes back to one glaring point: economics. What happens to the petrol industry workers when the petrol plants are done away with? What happens to the meat farmers when people minimalise eating meat? What happens to the livestock when people discontinue feeding on them? What happens to the pilots when people minimise flying? What happens to the motor vehicle industry workers when motor vehicle manufacture is minimised or done away with?

Thus in essence, solve the economics of living and the problem at hand is minimised!

Although the predicament of the human-inflicted global warming danger is a growing one, being self-centred and antagonistic in forcing people to change their sceptical fearful mindsets will not change the internal motivational drives of the human being.

The needs and wants of the people need to be addressed and pacified. Workable solutions have to be constructed in such a way that either alternative gainful employment is generally guaranteed or, that a new means of income generation is devised i.e. doing away with the traditional capitalist way of doing business.

Irrespective of what is said and done, my overriding opinion is that the inevitable will happen and that no amount of political posturing and or activist will and or new-age bluster will change that ‘inevitably.’

It is the now-or-later scenario that remains on the table.

What is in your tog-bag?

Modern life is about the accumulation of material goods which translates into the precept of being well-off or of being seen as someone of means. In other words: material possessions, lots of them.

The challenge with the precept in question is that it is a precept rather than a tangible event. It relies on the visual appearance rather than the actual state of affairs. The challenge also relies on others falling for the illusion rather than accepting the actual reality.

The theory behind ‘what is in your tog bag’ is about unpacking the so-called tog bag until one is freed up from all the self-imposed material constraints that limit one’s ability to live and function as a human being.

The theory also relies on one’s ability to step-away from being a wage-slave; which is quite contrary to that which the fiduciary system calls for. What the theory does not call for is irresponsible reactive action while in the pursuit of unpacking the proverbial ‘tog bag.’

The ability to step-away from being a wage slave implies a pro-active action that will gradually lead to one being able to step-away from being caught up in a world where material possessions and living-the-high-life illusion reigns supreme.

Thus walking away from one’s self imposed fiduciary responsibilities is not what the theory calls for. Quite the contrary. One needs to step-away from the real world without the worry that debt-hounds will eventually rob one of the sought-after freedoms.

The first step towards understanding the ‘what is in your tog bag’ theory is to visualise an empty ‘tog bag’ lying on the floor full of emptiness. This visualisation process is an important one as the picture of an empty ‘tog bag’ must be fully understood and felt by the mind. If the visualisation process is executed correctly, one must be able to touch and smell the empty ‘tog bag’ lying on the floor.

The ensuing steps revolve around picking up the ‘tog bag’ and beginning to slowly start filling it with ‘stuff’ that one uses on a daily basis i.e. toothpaste, toothbrush, clothes, shoes, wallet, briefcase, etc. Feeling the weight of the ‘tog bag’ increasing becomes the paramount sensation in the continuing visualisation process.

Once all the ‘stuff’ that one uses on a daily basis are packed, one can progress to filling the ‘tog bag’ with electrical utensils i.e. kettle, microwave oven, coffee percolator, etc. Once all the utensils have been packed in the ‘tog bag,’ start filling it up with the rest of the possessions one has in the home i.e. bed, bed linen, desks, couches, TV, computers, etc.

When all these have been packed in the ‘tog bag,’ one can now place the last remaining items in the ‘tog bag’ i.e. car, bicycle, gym equipment, workshop tools, garden tools and equipment, etc.

Finally one can add the ‘home’ to the bag.

It must be ensured that after each step, the incremental weight increase is felt by the mind’s eye. Even if one understands that one cannot lift said bag from the floor, ensure that the exertion required is felt to its fullest extent. Again, the sensation of weight to the mind’s eye is of paramount importance.

To the final sensation, start asking the question: What can I do without and still retain the lifestyle that I want to live? Do not rush this step. Think about it carefully over the span of a few days, all-the-while recalling the weight-sensation of the full ‘tog bag’ every time the question is asked (recalled.)

Once one is comfortable with the realistic answer, visualise the items being removed from the ‘tog bag’ and the sensation of relief evident from the reduction in weight of the ‘tog bag.’ Feel this sensation to its fullest extent. Again, the relief must be felt by the mind’s eye.

The items in question must at first only be those items that are dragging one down or are of unnecessary bulk.

Once the items have been identified and accepted by the mind from amongst all the rationale imposed on the question asked, bit-by-bit, one can start implementing a physical plan-of-action with the view to getting rid of said items or reducing the obligatory debt associated with said items i.e. credit card debt, unused gym equipment, etc.

It must be emphasised that throughout the continuing process, the sensation of ‘weight’ must be visualised and fully felt by the mind’s eye. This includes the ‘relief’ felt when items are removed from the ‘tog bag.’

The whole exercise uses left vs. right brain activation processes as the means to achieving a goal. Being able to just positively think about overcoming a problem does not instinctively instigate the required actions for lightening of one’s material life burden.

The Poor be Damned!?

The other day while listening to another well-meaning politician sprout foibles on the eradication of poverty, I was struck by the lack of solutions in his speech. This phenomenon is common whenever politicians or people get-together to source solutions to an ever-present, and growing, social ailment.

This lack of presentable solutions is more of an ill than the whole poverty paradox. Poverty is solvable. The problem arises mostly from the reality that solutions are money based and that in itself, will require a mindset change by the way many think about money.

Money or even the mention thereof is a taboo in most languages. Yes, most will talk freely about other peoples money, but their own is a guarded secret.

Many, when confronted by poverty, will jump on the get-a-job horse. Others will look the other way. Some will put some pennies into the begging-tin and drive off in a rush. Few will attempt to come up with short term solutions (meals-on-wheels, shelters, charity drives, etc) but find themselves alone in the fight-to-eradicate-poverty.

There have been many workable solutions put forward by thinking individuals on changing the way society views and thinks about money:

1) The National Dividend. This was invented by engineer C. H. Douglas and has been revived by Ezra Pound and designer Buckminster Fuller. The basic idea is that every citizen should be declared a shareholder in the nation, and should receive dividends on the Gross National Product for the year.

2) The Guaranteed Annual Income. This has been encouraged by economist Robert Theobald and others. The government would simply establish an income level above the poverty line and guarantee that no citizen would receive less. This plan would cost the government less than the present welfare systems, with all its bureaucratic red tape and redundancy factors.

3) The Negative Income Tax. This was first devised by Nobel economist Milton Friedman. The Negative Income Tax would establish a minimum income for every citizen; anyone whose income fell below that level would receive the amount necessary to bring them up to that standard. Again this would cost "the government" less than the present welfare systems. It would also dispense with the last tinge of humiliation associated with government "charity," since when you cashed a check from IRS nobody would know if it was supplementary income or a refund.

My take on the whole eradication of poverty is a simple one.

In South Africa we have a Lotto entity that pays out huge amounts of money in a given year (In excess of 50 Million Rand.) With an estimated population of 50 million persons, a conservative disbursement of 250 thousand Rand per person would elevate all to a liveable economic level and rid the SA society of the terms poverty, poor and the-poor-of-the-poor in an instant

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From the outset, my avaricious money-based common-sense screamed louder than a wailing ambulance siren: the rich would get richer, many would stop working thus creating economic chaos, employers would loose their power over their remaining employees, politicians would not be happy, inflation would shoot sky high, the money markets would suffer, what about the work ethic (did not the ancients say that one needs to work to acquire wealth,) how would the disbursement work, who would oversee the disbursement process, etc, etc, etc.

On the other hand, would people not revert to doing what they enjoy doing, would not their creative potential rise to the fore collectively, etc?

As the global situation stands, the human race future looks bleak. To survive longer than its nose, it needs to elevate itself above clichés of old, do away with wage slavery, embrace humanity and move forward to a co-operative mind-set for the good of all.

Alas, I feel that humanity will remain doomed.

(with thanks to Robert Anton Wilson)

Online Shopping: The New Cup of Tea

During the past holiday season, my fancy took me to surfing online shopping sites. A form of consumerism that is becoming popular in leaps and bounds.

All at once I could view, compare and critique items across a wide spectrum of commodities and articles and suppliers; all from the security of my home PC. It was like entering a new world. One where fancies, likes and imagination could be satisfied on the spot. Of course, the money issue did put a damper on the googly eyed adventure. In essence, a reality very much like the traditional way of shopping; except for the armchair bit.

In between the hours spent online, I kept thinking as to the popularity of the medium at hand: Is the South African populace in tune with this medium? Which population demographic finds this electronic shopping experience attractive? What is popular? What about the legal paperwork? Probability of scam attacks and phishing expeditions?

To the first and second question, in speaking to friends and acquaintances, I derived that generally middle to high income households have shopped online: be it tickets to a movie, to a motor car. Most also tried their hand at grocery shopping. Thus the appeal is there.

What was fascinating is how members of the lower income demographic made use of internet cafes (the least of all secure sites) to carry out their order of business (The numbers in question were few but growing.)

The interesting bit came in the guise of some using the information at hand to do comparisons, then going to a physical shop to purchase the selected item in question. Fear of Credit Card information theft and of the faceless entity behind the online façade were the greatest deterrents to actually buying online; specially when substantial payment had to be made (I use one dedicated credit card with low limits to transact across the world wide web.)

Thus more questions came to mind: What would make the online experience more palatable and attractive? What would make the existing system more secure? What would quell the fears a consumer has about shopping online? What impact would the incoming consumer protection act have on the online shopping fraternity (would online service providers have to be RICA’ed or FICA’ed?) Would this action put to the inherent consumer fear of shopping online? Would a ‘comment box’ assist the consumer in voicing their opinions on the service, articles, etc?

The one avenue I found in my searches relates to the commonality of after-sales support more so than the offering of an online shopping portal. In the whole, retail companies offer online after-sales support structures: An operator will contact a consumer after a certain lapse in time to find out about the satisfaction perception. If positive, then all is well, if negative, then how can they assist!?

The above process tends to mostly placate and pacify consumers to the inferred ethos that the company cares.

As a whole, those that can, make use of online shopping to buy low to mid-priced items. The caution factor kicks in where huge payments have to be made. Here the consumer will go to the physical shop and pay there.

The lower income groups use the net more for comparison and availability purposes rather than outright online buying. The picture with the lower income groups is that the mindset is changing as the costs of internet hosting are dropping. The advent of intelligent mobile phones is also helping to change the mindset.

Personally I found the whole exercise insightful and calming: the threats are there, but with a small amount of internet savvy, threats can be managed and overcome.

Will I continue to buy online? Yes! Sensibly so.