Wednesday, January 02, 2008
Bankrupt Solutions
The Scottish Government said it would allow so-called "Ninas" - people with no income and no assets - to declare themselves bankrupt for a fee of just £100.
The new "cheapie" bankruptcy will be available only to people who earn less than £220 a week, the equivalent of 40 hours on the minimum wage, and have less than £1000 in assets.
A capital(ist) solution to the problem of poverty !!
Meanwhile the Independent reports the accountancy firm Grant Thornton predicts the total number of personal insolvencies nationally will jump to at least 120,000 this year, almost triple the equivalent figure in 2004. As many as one third of bankruptcies in the first three months of the year will be caused by "excessive Christmas spending".
Steady increases in the cost of living are expected to tighten the screw. In only 12 months, the cost of filling up a vehicle with unleaded petrol had increased by 16 per cent, which meant the public was having to find an extra £155 a year to fill up the car.
Mr Gerrard , head of Grant Thornton's personal insolvency practice , said: "Coupled with rapidly increasing gas and electricity prices, which are forecast to jump by more than 10 per cent early this year, it's easy to see how those already struggling to pay off credit, particularly those servicing mortgages, are caving in to the pressure." He warned: "I believe personal insolvency numbers will move forward at a much faster pace than anticipated."
Howard Archer, the chief UK economist at Global Insight, suggested that in general people would have to be more frugal this year. "Household purchasing power is likely to be dented by higher energy and food prices over the coming months, while many home owners face having to re-fix their mortgages at significantly higher rates."
But there is always a silver lining inside capitalism since also according to the Independent , the debt collection industry grew sharply last year .There are now estimated to be 5,200 enforcement agents in England and Wales, including 600 county court bailiffs and more than 1,000 unregistered debt collection companies. Since 2003 the size of the industry has almost trebled, growing from £8.6bn of debt sold on to professional collection agencies to £22.7bn by the end of last year. It is forecast to grow to £24.1bn by the end of this year.
Tuesday, January 01, 2008
Holy rolling,bankrolling.Big upsurge in pious patronising patter disguised as hopes over New Year in Scotland
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Loan sharks condemned by cardinal Presumably less extortionate rates are better. Speaking at St Mary's Cathedral in Edinburgh, Cardinal Keith O'Brien urged those crippled by debt to seek help. Is he going to dig in deep and make interest free loans to help them out of the Vaticans swelling coffers,not a chance. The Moderator of the General Assembly of the Church of Scotland spoke of her wishes for a world "transformed" by love and hope. The Right Reverend Sheilagh Kesting wants "selfish ambition" cast aside. Cardinal O'Brien, the Archbishop of St Andrews and Edinburgh, will say the holiday season sees many families trapped in an ever increasing spiral of debt. 'Narrow interests' He points out that many families find themselves in the grip of loan companies and loan sharks, who demand an extortionate rate of interest, ensuring they remain trapped. He will condemn such practices and applaude the work done by many in the churches and wider society to help people out of debt, through credit unions and advice clinics. But, he doesnt condemn the very system which will keep those workers trapped in poverty and wage slavery.Debt or no debt. His call comes in a sermon to mark a world day of prayer for peace, in which he also speaks out against nuclear weapons, arguing that the pressure to keep the issue in the forefront of civil and church life must remain in the coming year. Peace will not come on a wing or a prayer.Peace will only come when the cause of war, the capitalist system and its intense competition, for markets, raw goods and materials,with powerful global rivalry is ended.War is an inevitable concommitant of capitalism. So let's get rid of capitalism then, root, branch and all . It is capitalism which is the cause of poverty, not high or low interest rates. Capitalism depends on us selling our mental and physical energies for a wage,or salary in order that we might live. With the exception of the capitalist class or social parasites such as religious orders, the vast majority are born poor and die poor, in order for us to service the capitalist system,to the end of making profits for a minority. As verily ,verily, we say unto youse, the poor shall always be with youse, for the pious claptrappists to mouth meaningless platitudes, ad infinitum. Amen. |
The wonderful world of capitalism
Sharp increase in prison suicides The Ministry of Justice has confirmed there were 92 apparent self-inflicted deaths in England and Wales in the same year as a record prison population. The deaths do not represent a record - but are almost 40% higher than 2006, reversing two years of falls. According to the Ministry of Justice figures, the number of apparent suicides in jail rose from a low of 67 in 2006 and 78 in 2005. The record number in recent years has been 95 deaths in both 2004 and 2002.
Four people on indeterminate sentences for public protection and 19 on life sentence were among the deaths. The figures show that, while 92 people killed themselves, more than 100 others were resuscitated after self-harm incidents that would have led to death. |
HOMES FIT FOR HEROES?
"A spokeswoman for the Royal British Legion said there were around 2,500 former servicemen and women living on the streets, and that the legion had received 1,485 calls from homeless ex-service personnel in the past year." (Times, 26 December) RD
Monday, December 31, 2007
Poor health
The charity Cancer Research UK studied nearly 13,000 patients from England's Northern and Yorkshire health regions. It found deprived women were less likely to be diagnosed in the early stages of disease, when treatment is most likely to be effective. They were also less likely to have surgery or radiotherapy.
The British Journal of Cancer study found that among the most affluent group, 40% had lumpectomies, which allow breast conservation, rather than full mastectomies to remove the breast. However, the figure among the most deprived group was just 31%.
They said that more women from deprived areas were likely to favour a mastectomy because it is a one-off treatment, whereas lumpectomy requires a course of radiotherapy, and therefore regular trips to a clinic, which can be difficult and costly.
The study also found that more than 22% of women from deprived backgrounds did not receive surgery, compared with just over 13% of more affluent women. Part of the reason for this disparity was due to late presentation, but the researchers also found women from deprived backgrounds were also more likely to have other health problems which made them unfit for surgery, or to turn down the option.
A slightly higher proportion of affluent women were seen within 14 days of referral by their doctor than women from more deprived areas. Women in deprived areas were less likely to be given radiotherapy and, on average, had a lower rate of five-year survival.
Dr Rosemary Gillespie, of the charity Breast Cancer Care, said: "The persistence of inequalities in treatment and outcomes highlights that key messages about breast health and screening are still not reaching those in deprived communities who need them."
education , once more
Shadow Schools Secretary Michael Gove highlighted figures showing a widening of the social gap in achievement. The figures show a 43.1% gap between the proportions of wealthy and deprived pupils achieving five good GCSEs including English and maths in 2007. In 2006, this gap in GCSEs, in favour of the wealthiest, had been 28.4%. The figures are based on comparisons of the GCSE results of pupils from the ten percent most affluent areas and the ten percent most deprived. These figures reflect the attainment gap using another poverty indicator - free-school meals.
This social divide in exam results shows "the education system is letting down the poorest," says Mr Gove
The government figures show how the link between home background and achievement stubbornly persists throughout children's years in school. When the school population is divided into 10 bands of affluence and deprivation, the level of achievement rises in precise step with increased wealth in every subject and at every level.
No matter what the palliatives that will be promised to address the problems , the cause is capitalism and poverty and those will not be challenged in any meaningful manner and inequalities of opportunity shall continue .
BLESSED ARE THE PEACEMAKERS
COMIC BOOK CAPITALISM
BIG BROTHER IS HERE
Sunday, December 30, 2007
WHAT ARE YOU WORTH?
“MPs ARE preparing to rebel over Gordon Brown's plans to keep their pay rise well below inflation, with some saying they should be paid £100,000 a year.”
Will this lead to strike? In a previous report on this blog, it was pointed out that
They don’t have to, they just hold reviews and then vote themselves an increase, saves them striking and allows them to get on with running the country.
Last year they were set to award themselves £10,000-a-year “communications budget” just days after it emerges they make around £200,000 each from their generous existing pay and expenses package.
So what is it that makes the MPs discontent? “Politicians from all parties told Scotland on Sunday they expected to receive the above inflation figure of 2.5% as they have had no increases in real terms for six years. With another review not due until 2010, they plan to seize this opportunity to boost their basic salary of £ 6O, 277 a year. It was claimed last night that the Senior Salaries Review Body (SSRB) may recommend an increase over three years of 10%, which would take their salaries to £65,500 by 2010. Many MPs are now expected to back that recommendation against Brown's advice.”
What do MPs think they are worth? “A submission to the SSRB by a cross-party advisory panel says MPs should be paid around £100, 000 a year to keep their salaries in line with comparable workers, such as chief executives of small and medium-size councils and directors of services in larger councils.”
The MPs think they are worth a 40% rise in wages and no doubt they don’t think their proposed rise will bring the country to its knees, only the every day worker, the ones who produce all the wealth, can bring the country to its knees, "that is what they would have us believe.”
Still, you have to feel for them, “When you’re looking at police and nurses’ pay awards of around 2%, it’s very difficult for us to justify a higher figure, but….we are getting paid only about half the salary of people in comparable jobs.” Sad isn’t it!
THIS IS LIBERATION?
"More than four years after the United States invaded Iraq , the country's children continue to face a litany of problems from disrupted educations to unsafe drinking water, detentions and violence, UNICEF reported Friday. Violence and displacement often kept Iraqi children out of school this year. The organization estimates that 2 million educations were interrupted, especially among primary-school students. .. Eighty percent of children outside Baghdad don't have working sewers in their communities, limiting access to safe water. ...An average of 25,000 children per month were displaced within Iraq by violence or intimidation. ...By the end of 2007, about 75,000 children were living in camps or temporary shelter. ...About 1,350 children were detained by military and police, "many for alleged security violations." (Yahoo News, 21 December) RD
Saturday, December 29, 2007
bankers
Lynn Peacock, chief executive the Clydesdale bank pay almost doubled to £2.1m. , compared with £1.1m in the preceding year. She also became entitled to an undisclosed number of shares under an incentive scheme operated by the parent company, National Australia group .
Friday, December 28, 2007
WALL STREET CASINO
That is capitalism for you, millions face homelessness while a small group of parasites rake it in! RD
CALIFORNIAN CATASTROPHE
"Between railroad tracks and beneath the roar of departing planes sits "tent city," a terminus for homeless people. It is not, as might be expected, in a blighted city centre, but in the once-booming suburbia of Southern California. The noisy, dusty camp sprang up in July with 20 residents and now numbers 200 people, including several children, growing as this region east of Los Angeles has been hit by the U.S. housing crisis. The unravelling of the region known as the Inland Empire reads like a 21st century version of "The Grapes of Wrath" John Steinbeck's novel about families driven from their lands by the Great Depression. As more families throw in the towel and head to foreclosure here and across the nation, the social costs of collapse are adding up in the form of higher rates of homelessness, crime and even disease." (Yahoo News, 21 December) RD
Gilbert and riches
Thursday, December 27, 2007
A Very Merry Christmas ?
Wednesday, December 26, 2007
An Anti-Bolshevik Approach to Revolution
Tuesday, December 25, 2007
A Vision of Socialism
Monday, December 24, 2007
WORLD HUNGER WORSENS
THE CLASS DIVIDE
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Paternalism is a common attitude among well-meaning social reformers. Stemming from the root pater, or father, paternalism implies a patria...