If we can’t trace where all the money that was stolen went to, let alone by whom, there is every chance that the same thing can happen again without redress, without discovery, and certainly without regulation.
Blog
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The Legals and Advertising
When I was young the local pecking order started with the clergy, next came the doctor, then the solicitor if we were lucky enough to have one. Local, national and international politics were on the backburner because we were all suffering a stultifying apathy after the First World War. So you’ll forgive me if I start going off at the deep end at solicitors being allowed to advertise, and in particular the way in which the advertisements are couched. Some years ago, for some reason, which I never understood, solicitors were allowed to solicit. Almost immediately one of the group with whom I had had some dealings sent me a letter telling me that they were very happy to represent me if I felt I had a claim for damages. Naturally, I was appalled because I could see the potential this had for the unscrupulous to claim, especially as the solicitors were negotiating their own payment. No pay, no fee.
I don’t know whether it has escaped you, but in the advertising slots that the TV inserts into all the programs, there is a fair proportion of encouragement by legal companies, legally to suggest strongly that you make a claim on some pretext. It conjures up in my mind the images that we see in those wildlife programmes on television, where one animal has killed another, is feeding its young, but sitting on the trees surrounding this domestic scene, are vultures on every branch of every tree.
I remember some years ago there was, in Belfast, a public parking area that was reasonably level, while the road itself descended steeply, with the consequence that on one end there was a steep staircase made of flagstones down to the footpath. Regularly the staircase was damaged so that people could fall down and claim from the local authority. I have always felt, that apart from the Troubles, the average Northern Ireland person is easily as honest as those elsewhere in the UK, so this form of income is probably nationwide. To someone who respected the legal profession, who now finds that not only are the solicitors soliciting, but the Silks are being allowed to charge such incredible costs for their services, that anything legal today, especially where claims against the state are concerned, are running into millions – The Bloody Sunday Enquiry Is a case in point. Surely there must be a simpler system, which is an improvement in all respects on the current one, where the outcome of millions of pounds being spent isn’t worth the paper it’s written on. I suspect that this urge to go to law probably started in America, because we as a nation are phlegmatic, undemonstrative and stoical.
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Some pertinent questions, perhaps.
There is a bank run by people certain of their own invincibility, who buy up other banks run by similar nutters, making crazy gambles, dishing out bonuses and incredible pensions, and when the balloon goes up, our government hands them vast sums of our money, which they hoard, for a rainy day, instead of helping honest, hard-working businesses to stay afloat. We all know this even if we don’t understand it. But the real question is why they feel that they are entitled to use some of that money to sponsor sporting events, instead of lending it to the above, and the government ignores the fact? Advertising definitely increases sales, but the bankers are not selling anything except their own services, which everybody knows about, and advertising the fact isn’t going to change anything.
Another one is why they are continuing to be allowed to gamble on the stock exchange, which is evinced by the changes in the values of various stocks and shares, reported at lunchtime every day on the TV?
There is a crazy government, and there is one crazy blogger, who believe that it is possible to regulate this crazy system. One day, however, the blogger started wondering just how it was possible to regulate the system, which is totally dependent upon interaction between young people, allegedly very bright, buying and selling still, on a worldwide interconnection of computer terminals. In the old days, buying and selling was a matter of sending telegrams, writing letters and telephoning, in order to make purchases, all confirmed in writing, which left enough time for second thoughts by those in charge, and ease of regulation by the government. Today you can spend half a million in about 10 seconds and the deal is done, so it would seem. The fact that we can purchase anything we like on the Web, pay for it and in due course receive it, justifies that statement. There is no paper involved at all, and the whole thing is a matter of moments and trust. So how can you regulate something that is so fast, so intricate and so valuable, before the deed is done? It would seem that nobody in authority has questioned this conundrum, or alternatively the blogger is so ignorant, and continually running off at the mouth, that he has got it wrong, and they really can regulate it.
The corollary of this of course is that we would have to return to the old, sensible, but very slow system, in order to stop the repeat in the future, of other’s worldwide insanity
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A Pleb’s view of an MP
I say Pleb to underline the fact that this is uneducated reasoning to understand the requirements of Members of Parliament, and basically how the system works. Have you ever thought about the process of becoming an MP, and what it entails to that individual? You would think that when they are seeking a suitable candidate in a by-election, they would first of all decide what attributes they required, what gaps there were in the experience of the backbenchers, and virtually pick horses for courses. When you realise that often, with the shuffles, people are shifted from department to department irrespective of any experience they might have, this negates any necessity to import people with particular skills, so one might then wonder on what basis people are selected. Recently I was listening to a young woman, currently a minister for the Prison Service, whom I firmly believed had only just been put in office, and yet was asked to speak intelligently on television on the subject. What she was probably really doing was reading from a script written by a civil servant in the prison service.
The learning curve of a newly appointed MP must be considerable in those first few months, and steep, with documents to be couched in special phrases, layers of authority and routes of communication, mainly written by, and including the power and necessity of the Civil Service in the background. In local government, before making decisions the councillors are generally briefed by staff, and could talk to the staff further if required. An MP reads a White Paper and could have a three-line whip when it comes to voting. This makes me wonder just how much authority an MP has when he or she is representing the constituents, and advancing their concerns. Indeed it might even be considered that a totally new system should be devised, whereby Parliament is firmly linked with local councils, with each council having a councillor whose job it is to inform Parliament of the concerns of the local authority, and discuss ways and means on any matter with a representative of the Department concerned. It might even be considered, as in the old system, that there was a level of duplication when we voted for councillors to take charge of most of our business in the county’s and the city’s, and at the same time voting in somebody to do the same thing in Parliament. That of course does not apply today, because the teeth of the local authorities have all been drawn, except in some other minor, more mundane functions.
I could go on drawing parallels of this type, but they are so obvious I leave it to your imagination. I just can’t understand why we need over 600 people in Parliament when most of the functions are, or in fact should be, originated in the counties and the city’s, which would make the whole process quicker and easier. We need a Foreign Service, we need a Commonwealth office, we need a lot of the other functions not dealt with in the Cities and Shires, like the Treasury, taxation, defence etc. and we need people to oversee properly not only the operation of Parliament but that of the counties and cities. If we change the system we may wonder how many people and how much money would be reduced by necessity. It is easier to stop malpractice or rank stupidity, at local level than it is, if the functions are shrouded, if not in secrecy, but by protocol, and hundreds of miles away.
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The need foran unbiased regulator
I have previously written about the fact that the credit crunch has spawned a large number of advisers and businesses allegedly aimed at helping those in financial difficulty. At the time I praised the work of the Citizens Advice Bureau (CAB), remarking that it was time that the government increased its funding as I assumed it was unbiased, and undoubtedly helpful. Since then the number of these unregulated operations, often publicised by highly regarded celebrities, has increased at an unbelievable rate, thrust at one at every programme break, and on the website of broadband operators.
At the same time people are running credit cards, and many of our banks are trying to encourage us, contrary to government policy, to spend more money on the cards, the very thing that caused the crunch. The other day I received a letter from my bank saying that I can get bonus points related to the amount of money that I spent on the card, which would then give me advantageous opportunities for holidays, wines and shopping. Surely this implies that the banks have not learnt their lesson, on the contrary they have discovered that they are in an unassailable position, and can do what they like. By the same token the government appears to be able to ignore its own lassitude in allowing the crunch to occur, and no one associated with the government has been brought to book for the failure of the regulator.
It is imperative that if somebody is going to advise you on how to deal with your financial situation, that not only that person must be experienced, they must be seen to be experienced by an overseeing body. Recently a relative who is a businessman with wide interests, and consequently has several bank accounts, found that in one account some stranger apparently from Africa, had managed to have a direct debit system installed in his account from which they could draw £5,000 on a monthly basis. The very people who are seeking advice are the ones who are in need of advice because their knowledge of finance is almost zero. They have not got the skill or the knowledge to carry out any test on the person they select to advise them. It is essential that there is an unbiased, overseeing regulatory body that manages all the difficulties. sources of lending, and the advice that is given to those who are in financial
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Reticence
There are two things that are required to make a blog successful, one is that it is essential that what you write has a bearing on reality, is interesting, and succinct. The second is never to write for the sake of writing. In other words, reticence. This was brought to mind by a serious accident in our home three weeks ago. We had a pipe burst on the upper floor early in the morning, and hot water built up between the joists supporting the ceiling until it overflowed, in steady, great, rhythmic bucket-full like gushes, down the light fittings and onto the carpets on the ground floor. I leave you to imagine the rest
It was Sunday, and a neighbour gave us the telephone number of a plumber who obligingly gave up his Sunday lie-in to help us. He was tall, athletic, and had that air of confidence a man often carries, who is good at his job and proud of it.. He came, listened without comment, explained what he intended doing, and he did it quickly and competently. The one thing about his visit was that he said very little, but what he had to say was worth listening to. A couple of days ago I saw some of the ministers of our government trying to justify changes in policy that had never been properly implemented. The impression that they gave was a sense of insecurity and lack of experience. A high proportion of them were very young for the post that they were holding, and the fact that they had only probably recently been appointed added to this.
Government statements must be well thought out, if possible, tested, and care taken to ensure that every eventuality has been brought into the equation and covered. This is the basis of reticence, saying what is essential and living up to it, not babbling to justify one’s existence, to appear to be doing something, without having thought it through, and then having to rescinded or abandon it. The only things that can ensure this are the amount of experience an individual has, the right amount of experience among those in government and the civil service who are involved, and in consequence, competence, and self-assurance. These elements are blatantly missing in many and of the plans this government has broached.
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An open letter to the Ulster Unionist Party
I am posting this letter on my website, but I do not expect they will read it, but perhaps someone who thinks it is valid might draw their attention to it. I write, not as a politician, or a political analyst, but merely someone who has spent more than 60 years as an adult in this Province. Like many I am peeved at the way the silent majority of the Unionists are currently represented by only one unionist, and that in local elections the choice is an amalgam, a party that has not the same affiliations as the old Unionist party had, and thus also a watered down version of the original pool of pure Unionists Up until 1969 the Unionist party represented the majority of people in the north of Ireland, only a few of whom were of a virulent nature. I believe, that apart from those on both sides of the divide who felt they had a cause to fight, the rest of all persuasions rubbed along reasonably harmoniously. We all know, have experienced, and indeed many of us suffered from the mindless violence of the following 40 years which has got us nowhere, but with a very ambivalent Stormont. There is almost total apathy, which is easily understandable, when those responsible for our welfare are busy fighting their own corners rather than being statesman. The way the British government, time and time again gave us the impression that they wanted rid of us as an unpleasant drain on the Exchequer, forgot that in those years before the troubles we were actually contributing to the British economy which then was of course the United Kingdom economy.
The apathy is easily understandable when one watches on TV, the playacting of the characters in the Stormont farce, behaving in the way that they consider it appropriate to a parliament, and later in the day at news time, one sees them screeching at one another in the entrance hall of Stormont when a fluffy microphone is shoved in their face. It therefore becomes difficult to take them seriously, and not consider that their own egos are more important than both decorum and quality politics, that moves things on rather than allows them to stagnate to a point where nothing is done. Before ’69 we had politicians who knew their job, weren’t made fun of as the ‘Chuckled Buddies’, something which demeans the whole of the assembly. They conducted their affairs either in Westminster or behind closed doors, but not continuously running to knock on the door of number 10. This practice alone shows a lack of statesmanship. Many of the more experienced politicians are still alive, some influencing from the background on both sides of the divide. Surely they along with some other influential people in the Province can steady the ship, give us people we can respect to vote for, whom we know will do the job properly.
>From the last election it was evident that the amalgamation of the Unionist party with the Conservative party was more to the advantage of the latter, while at the same time totally negating the pure Unionist vote. It would appear that people are dissatisfied, to a considerable extent, with the conduct of the DUP, and perhaps these two facts open a door to a more substantial and worthily Unionist party in time for the next election.
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Is some we are told make-believe?
It is essential when writing a blog that the level of your experience is made clear so that those reading the blog will not be fooled into thinking that you’re an expert on what you’re discussing. What I write here now would shock my nephew, who is a botanist, with alphabet soup after his name, and plants with his name that he has discovered in some of the remoter parts of the world.
The world, which originally started as a mess of gases, has been ever-changing, as a result of different influences. Changes though must be inevitable with time, because the centre of the earth is molten and cooling. There are two theories on why the dinosaurs became extinct, one as the result of a virus, and the other due to volcanic action cutting off the light from the world. Hence one can assume that no theory can be absolute. Scientists have been boring holes and taking samples of ice and rock to enable them to interpret the changing seasons and conditions that pertained at the time as each minute layer was laid down. Whether these interpretations are totally accurate may be questioned, as clearly records don’t exist, except for the last few centuries when records started. Ever since the global warming concept has been giving rise to worry, we have been showered with instructions, entreatments, and bludgeoning for the cause. The man in the street, unsurprisingly is baffled by all the scientific information which he hasn’t a hope of understanding because he has either only or no GCSE in science, and the whole thing is above him. He is in the hands of the government and the scientists with no recourse. It is not surprising that he is sceptical when he is instructed to wash out the milk bottles, scrape out the food tins, and select paper from paper without plastic attachments, and then discovers in his local press, and press in other districts, that the waste is actually being used as landfill, and all the recycling process is a waste of time and money to him and the local authority.
I would like to take just one simple idea, that of the exhaust from a car. Scientists are busy weighing gases and trying to correlate them with samples taken from the upper atmosphere. In my view the gas comes out of the tail pipe, and can be absorbed in water, adjacent plant life, swept along in the atmosphere with the wind, but I suggest that not all of it or perhaps even a major part of it ever reaches the upper atmosphere. The tremendous amount of money, government advertising and pressure on the individual being exerted in the name of global warming, as a result of scientists drawing conclusions, is colossal Recently we have had tremendous forest fires in both America and Australia, in recent centuries there has been colossal volcanic action, and while carbon dioxide from the forests around the world has diminished, that from man has increased. The balance, and other possibly unknown influences must have some input into these equations that the scientists are making, the question that needs to be asked is how accurate the overall information is that is being used to force us to toe the line, to the extent that it is. I am a cynic and believe that with respect to global warming different people have different agendas, not all to do with saving the world. The other aspect that I see is that there is a differential between some of the larger countries and their attitude to global warming and those that our government is inflicting on us. I have no desire to be a world leader, just have a strong wish to keep this country afloat for the sake of my children my grandchildren, great-grand children and those still to come.
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Trust is now a fragile concept
After I reread the post that I wrote at three o’clock this morning I realised that not only can we not trust anything at all today, but, if one is exceptionally cynical, one can draw conclusions that are horrendous.
Firstly I realised that it is pointless to act on anything this government says, firstly, because they are likely to do a U-turn and leave you stranded, secondly because their tenure of office is so fragile, causing there to be an election sooner than later, when we will have a new bunch of people rescinding, chopping and changing, and introducing their own versions, which may be just as bad. If however Labour wins the next election I shudder to think what mayhem there will be. We will probably be worse off, what ever happens.
A few days ago I was writing about the problems of the very elderly, who are having to save money to ensure that their house is not sold over their heads, to pay for them going into care. Now the government is whingeing daily that there are too many elderly people cluttering up the country and costing the health service a fortune. So why, at a time when they are scrabbling for money, do they suddenly decide they can afford to scrap this policy and pay for the elderly to go into care, while still able to maintain their house. This would cost millions, and there was no need for them to do it at this time, unless they had some other reason that made it possible, gave the whole system a palliative, and there would be profit for the government beyond just a few extra votes at the next election. Looking through the recent outpourings of the government, with their proposals and their warnings, I came up with the most cynical, but totally rational reason why this was possible. With Mandelson in charge, it doesn’t surprise me, it merely horrifies me. I leave you to work out the solution that I envisage.
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It’s Cloud Cuckoo Land
It seems, people are paying £2500 for a dodgy ticket, for the possibility of sitting cheek by jowl with somebody with swine flu, in a temperature of 33° C, their heads going from side to side, and they call this ‘pleasure’.
It was predictable, that we would be in the mess we are when they invited Mandelson to take over the government. It looks as though we’re losing at least one of our railway lines, to my knowledge we have had about four U-turns in the last fortnight, and about six new initiatives in one week, most of the latter are something we wanted and were writing about a least three years ago. When this swine flu epidemic was initially broached, I was under the impression, because I was amazed at the cost, that we had something like 360 million doses of anti-flu, sitting on the shelves around the country. Obviously I was wrong in my interpretation of what the PM and the ministers were telling us, because in fact we are not going to get them until Christmas. How could people be allowed to enter this country on a direct flight from Mexico, and other hot-spots, and not be required to have voluntary isolation in their own homes? The information is all there, but then I forgot, the government databases are totally unreliable. It could be a little worrying when I say that my immediate family numbers almost 15 and that I am told that five of us are on a three to one risk. I can’t understand why it was necessary to broadcast figures like that, it achieves nothing, except disturbing the people who are naturally nervous, and in consequence have them worrying whether they should go shopping at eight o’clock in the morning, go on holiday, and so on, with the effect that these decisions would make to us commercially, and on the wider horizon with respect to the travel industry. It seems that the only thing we hear from the front benchers are the words ‘election’, ‘U-turn’, and ‘fresh initiative’ for something which had already been proposed and rejected.
It is definitely cloud cuckoo land