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	<title>Robbie Bow &#187; politics</title>
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	<link>http://www.robbiebow.co.uk/blog</link>
	<description>Perl, MySQL, Money and Food</description>
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		<title>The great banking stitch up</title>
		<link>http://www.robbiebow.co.uk/blog/the-great-banking-stitch-up</link>
		<comments>http://www.robbiebow.co.uk/blog/the-great-banking-stitch-up#comments</comments>
		<pubDate>Tue, 17 Nov 2009 21:12:38 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/blog/?p=251</guid>
		<description><![CDATA[So a while ago I wrote up a golden opportunity about to be missed and it looks like, indeed, it shall. Despite Bank of England Governor, Mervyn King, calling for exactly the same change, for exactly the same reasons, the Gubmint are going to give the FSA some illusory powers to interfere with bankers&#8217; employment [...]]]></description>
			<content:encoded><![CDATA[<p>So a while ago I wrote up a <a title="Golden Opportunity to Reform Banking" href="/blog/a-golden-opportunities-about-to-be-missed" target="_self">golden opportunity about to be missed</a> and it looks like, indeed, it shall. Despite Bank of England Governor, <a title="King calls for break-up of banks" href="http://www.ft.com/cms/s/0/7056b56a-bda8-11de-9f6a-00144feab49a.html" target="_blank">Mervyn King</a>, calling for exactly the same change, for exactly the same reasons, the Gubmint are going to give the FSA some illusory powers to <a href="http://www.citywire.co.uk/personal/-/news/markets-companies-and-funds/content.aspx?ID=367960" target="_blank">interfere with bankers&#8217; employment contracts</a>. These powers won&#8217;t be used and would be shot down in court if they were. It&#8217;s also an after-the-fact measure: The system is buggered already once you have your bonus because you get your bonus <em>after</em> you buy lots of risky debt / sell lots of unsustainable mortgages. It looks like Darling &amp; Brown are more interested in landing a fat <span style="text-decoration: line-through;">bribe</span> consultancy post from the bankers for themselves rather like <a href="http://news.bbc.co.uk/1/hi/business/7186975.stm" target="_blank">Tony Blair</a> than making Britain any better a place to live or do business.</p>
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		<title>Getting rid of road tax</title>
		<link>http://www.robbiebow.co.uk/blog/getting-rid-of-road-tax</link>
		<comments>http://www.robbiebow.co.uk/blog/getting-rid-of-road-tax#comments</comments>
		<pubDate>Mon, 31 Aug 2009 17:39:20 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>
		<category><![CDATA[fuel duty]]></category>
		<category><![CDATA[Road tax]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/blog/?p=189</guid>
		<description><![CDATA[Some time ago I wrote an entry called Get Rid of Road Tax and, funnily enough, found this e-Petition on the Prime Minister&#8217;s number10 website. Good to see that someone else has the same idea as I do. Sign the petition: you never know; the state might actually reduce red tape, crimes that can be [...]]]></description>
			<content:encoded><![CDATA[<p>Some time ago I wrote an entry called <a title="Get Rid of Road Taz" href="/blog/get-rid-of-road-tax" target="_self">Get Rid of Road Tax</a> and, funnily enough, found this <a title="Fuel Charge Petition" href="http://petitions.number10.gov.uk/fuelcharge/" target="_blank">e-Petition</a> on the Prime Minister&#8217;s number10 website. Good to see that someone else has the same idea as I do. Sign the petition: you never know; the state might actually reduce red tape, crimes that can be committed and cost to the tax payer if enough people do <img src='http://www.robbiebow.co.uk/blog/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
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		<title>Willy Waving Contests</title>
		<link>http://www.robbiebow.co.uk/blog/willy-waving-contests</link>
		<comments>http://www.robbiebow.co.uk/blog/willy-waving-contests#comments</comments>
		<pubDate>Tue, 25 Aug 2009 14:47:11 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>
		<category><![CDATA[Lockerbie bomber release]]></category>
		<category><![CDATA[NHS]]></category>
		<category><![CDATA[willy waving]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/blog/?p=176</guid>
		<description><![CDATA[The past fortnight we&#8217;ve had British-American willy waving contests about the NHS and the Lockerbie bomber early release. I&#8217;ve noticed a fair bit of chauvinism in the air, which is to be expected when two nations divided by the same language get into this sort of thing. But it&#8217;s a shame. It happens more so [...]]]></description>
			<content:encoded><![CDATA[<p>The past fortnight we&#8217;ve had British-American willy waving contests about the NHS and the Lockerbie bomber early release. I&#8217;ve noticed a fair bit of chauvinism in the air, which is to be expected when two nations divided by the same language get into this sort of thing.</p>
<p>But it&#8217;s a shame. It happens more so these days and, whilst it&#8217;s nowhere near as serious as he hoped, it&#8217;s all playing out to Osama bin Laden&#8217;s aim to polarize: to polarize West from East; Muslim from non-Muslim; America from fellow Western nations; to cut the (American) head off the (Western) snake.</p>
<p>Like I said, it&#8217;s not as serious or as immediate as he hoped, but it&#8217;s what he wanted, and it&#8217;s not healthy. So we chip, chip away at one another and bicker. People muse the fall of America and how it&#8217;ll benefit us (which it won&#8217;t &#8211; far from it &#8211; but that&#8217;s another story). In the words of a wiser and more pacifist friend of mine, &#8220;why are we fighting like this&#8221;? We have so much more we can be getting on with.</p>
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		<title>ISPs&#8217; poor business models</title>
		<link>http://www.robbiebow.co.uk/blog/isps-poor-business-models</link>
		<comments>http://www.robbiebow.co.uk/blog/isps-poor-business-models#comments</comments>
		<pubDate>Wed, 17 Jun 2009 22:29:48 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[geek]]></category>
		<category><![CDATA[politics]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/wordpress/?p=113</guid>
		<description><![CDATA[BT have asked for state handouts in much the same vein as some other ISPs have. They say the BBC should carry some of the cost incurred by iPlayer. This smells of cartel-like behaviour, with Tiscali and Carphone Warehouse pan-handling for tax-payers money with exactly the same fatuous arguments. The BBC already carries most of [...]]]></description>
			<content:encoded><![CDATA[<p>BT have asked for <a href="http://www.pocket-lint.com/news/news.phtml/24703/bt-calls-for-bbc-contribute-iplayer.phtml" target="_blank">state handouts</a> in much the same vein as some other ISPs have. They say the BBC should carry some of the cost incurred by iPlayer.</p>
<p>This smells of cartel-like behaviour, with Tiscali and Carphone Warehouse pan-handling for tax-payers money with exactly the same fatuous arguments. The BBC already carries most of the cost by producing iPlayer and its content. That these ISPs have sold that which they cannot afford to give is not the BBC&#8217;s&nbsp; (or old Missus Jones who has a TV but no internet) fault or problem: that&#8217;s those ISPs&#8217; poor business models of offering unlimited bandwidth for too low a price.</p>
<p>The ISPs should bear the cost of their own mistakes &#8211; make a loss, change their business model, go bust, renegotiate their terms with their customers, stop advertising unlimited services that are limited. They should not be subsidised for failure.</p>
<p>&nbsp;</p>
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		<title>Maybe we want monkeys</title>
		<link>http://www.robbiebow.co.uk/blog/maybe-we-want-monkeys</link>
		<comments>http://www.robbiebow.co.uk/blog/maybe-we-want-monkeys#comments</comments>
		<pubDate>Tue, 02 Jun 2009 23:43:47 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/wordpress/?p=110</guid>
		<description><![CDATA[So MPs think their job is worth more than the salary on offer? In which case, raise the salary, get a different job, or put up with it. Do not create a tax-free supplement office wherein the staff deliberately set out to steal money from the public. I happen to think MPs should be paid [...]]]></description>
			<content:encoded><![CDATA[<p>So MPs think their job is worth more than the salary on offer? In which case, raise the salary, get a different job, or put up with it. Do not create a tax-free supplement office wherein the staff deliberately set out to steal money from the public.</p>
<p>I happen to think MPs should be paid a good salary &#8211; 5 times the national average &#8211; and have no expenses whatsoever. That would mean covering second homes, constituency offices, travel and so fourth out of the c. &pound;120k salary. But if enough people in Britain are willing to change their vote to prevent that happening then the shareholders have spoken.</p>
<p>Had I instructed our payroll officer to steal from my employer in order to pay me tax-free made-up expenses I&#8217;d expect both of us to be charged for our crimes. I want to know who told the Fees Office that stealing from the public was their main purpose, and I want fraud charges brought against them and the Fees Office staff that colluded in this.</p>
<p>It isn&#8217;t about the money, really. It&#8217;s about double standards and thievery. Maybe we collectively want monkeys running the country. Maybe politicians could argue successfully for having a slightly more clever primate in charge. However, if you want a pay rise then ask the boss, don&#8217;t just take it from the petty cash.</p>
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		<title>A golden opportunities about to be missed?</title>
		<link>http://www.robbiebow.co.uk/blog/a-golden-opportunities-about-to-be-missed</link>
		<comments>http://www.robbiebow.co.uk/blog/a-golden-opportunities-about-to-be-missed#comments</comments>
		<pubDate>Sat, 01 Nov 2008 07:39:56 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>
		<category><![CDATA[stuff]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/wordpress/?p=99</guid>
		<description><![CDATA[The problem we have with banking is that we cannot live without retail banking: day to day banking for people and small companies. Investment banking &#8211; or the gee-gees as I prefer to call it &#8211; affects very few people, and those that it does affect should be financially secure enough to take significant losses [...]]]></description>
			<content:encoded><![CDATA[<p>The problem we have with banking is that we cannot live without retail banking: day to day banking for people and small companies. Investment banking &#8211; or the gee-gees as I prefer to call it &#8211; affects very few people, and those that it does affect should be financially secure enough to take significant losses on the chin. Both types of banking have their place.</p>
<p>We ought to not regulate risk out of the entire system. Without risk their is no room for big rewards for big successes. However, we have currently insulated banks from risk by nationalising them. Big rewards for big success only work when they are accompanied by big penalties for big failures. Now the banks can take big risks and if it screws up the man on the street foots the bill. If it succeeds, the banks get their lolly.</p>
<p>So separate gee-gees from retail: the banks should be forced to split their operations into completely separate entities. The resulting retail banks should then be heavily regulated as to how they can borrow and lend, but also be heavily backed by government to protect depositors &amp; borrowers, and ensure you and I get our pay cheques. The gee-gee banks should be lightly regulated and not at all backed by government. Goldman Sachs is where you go to take risks, make (or lose) your millions. Barclays Retail is where you get your mortgage and current account. Exciting and dangerous need to be conjoined, as do boring and safe. Presently we have exciting and safe for our bankers: a disastrous combination.</p>
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		<title>Contact email addresses on web sites</title>
		<link>http://www.robbiebow.co.uk/blog/contact-email-addresses-on-web-sites</link>
		<comments>http://www.robbiebow.co.uk/blog/contact-email-addresses-on-web-sites#comments</comments>
		<pubDate>Thu, 30 Oct 2008 20:47:38 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>
		<category><![CDATA[stuff]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/wordpress/?p=98</guid>
		<description><![CDATA[A while ago I wanted to cancel my Napster subscription. To my annoyance I found that this meant phoning a Luxembourg number. I much prefer to cancel in much the same way that I signed up &#8211; online using a form or by email. I complained to my MP that this was, in my opinion, [...]]]></description>
			<content:encoded><![CDATA[<p>A while ago I wanted to cancel my Napster subscription. To my annoyance I found that this meant phoning a Luxembourg number. I much prefer to cancel in much the same way that I signed up &#8211; online using a form or by email. I complained to my MP that this was, in my opinion, a deliberate anti-competitive measure by Napster to make cancelling the service impractical and inconvenient.</p>
<p>Surprisingly I received a letter from him and someone at the then DTI. They told me that there is in fact a legal requirement for &#8220;information society services&#8221; to publish a contact email address on their web site. Hooray! Brussels red-tape working in my favour. The requirement is covered in 6(c) of the <a href="http://www.opsi.gov.uk/si/si2002/20022013.htm">The Electronic Commerce (EC Directive) Regulations 2002</a>.</p>
<p>I suspect this is quite an little known piece of legislation. So little that, in fact, DBERR (nee DTI) themselves do not publish an email address on their <a href="http://www.consumerdirect.gov.uk/contact">Consumer Direct</a> web site. I know this because I recently submitted an information request to Cambridge City Council to find out <a href="http://www.whatdotheyknow.com/request/cost_of_replacing_a_black_bin">how much it costs to replace a black bin</a> because they recently quoted £50 for doing such, but you can buy the <a href="http://www.refuse-bags.co.uk/wheelie-240ltr-p-1372.html">same bins online for £31</a> if you buy in bulk &#8211; which councils do and £19 to drive it 400 yards up the road to my house is a bit steep. </p>
<p>Anyway, whilst I was on the <a href="http://www.whatdotheyknow.com/">What Do They Know</a> site filing my information request I noticed someone was trying to get a <a href="http://www.whatdotheyknow.com/request/what_is_your_customer_or_custome">contact email address from the Student Loans Company</a>, which is where I stepped in and left a note to let her know about the legislation. The SLC replied that they don&#8217;t have a contact email address. Not good enough. They are required to have one. So, I decided to complain to the people that told me about the requirement in the first place, and went to the Consumer Direct site, run by DBERR for consumers to get advice. And that&#8217;s how I ended up submitting <i>another</i> information request &#8211; this time to DBERR to get the <a href="http://www.whatdotheyknow.com/request/what_is_your_customer_or_custome">contact email address for Consumer Direct service</a>. Let&#8217;s hope they are more helpful than the SLC. Then we can get the SLC to be more helfpul.</p>
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		<title>oil prices</title>
		<link>http://www.robbiebow.co.uk/blog/oil-prices</link>
		<comments>http://www.robbiebow.co.uk/blog/oil-prices#comments</comments>
		<pubDate>Fri, 23 May 2008 00:56:48 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/wordpress/?p=87</guid>
		<description><![CDATA[What is significant about current oil prices is we are prepared and able to pay them. Despite doubling in price in the past year, our economies are still running, people are still going to work and school, food is still being delivered, holidays had. What this really means is we were paying at most half [...]]]></description>
			<content:encoded><![CDATA[<p>What is significant about current oil prices is we are prepared and able to pay them. Despite doubling in price in the past year, our economies are still running, people are still going to work and school, food is still being delivered, holidays had. What this really means is we were paying at most half the worth of fuel a year ago; after all, something is only worth what someone is willing to pay for it and, we are willing to pay double what we were paying last year. Take into account the crumbling US dollar and the fact that most tax on fuel in the UK is fixed at a nominal rate and we aren&#8217;t paying double at the pumps, but we are still paying a good 30% more than this time last year.</p>
<p>The Prime Minister has moaned at OPEC for not producing more oil in order to bring prices down. Will he be capping the prices charged for North Sea oil? Demanding increased output? Reducing fuel duty? No. Brown wants the extra money just as much as OPEC countries do. And higher prices means higher revenues from North Sea oil. There&#8217;s also the fact that we don&#8217;t have a shortage of fuel, but we also don&#8217;t have extra capacity in our refineries. Saudi Arabia &#8211; the only OPEC member that could increase output &#8211; could pump millions more barrels out but we couldn&#8217;t use them because we can&#8217;t refine them. Brown&#8217;s demand on OPEC is hollow retoric with undertones of racism. Higher prices are okay for Gordon so long the economy isn&#8217;t stalled by them and he&#8217;s the benificiary rather than Arabs, Russians, Nigerians or Venuzualians maximising their profits.</p>
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		<title>Gordon Brown has two problems</title>
		<link>http://www.robbiebow.co.uk/blog/gordon-brown-has-two-problems</link>
		<comments>http://www.robbiebow.co.uk/blog/gordon-brown-has-two-problems#comments</comments>
		<pubDate>Fri, 16 May 2008 07:41:42 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/wordpress/?p=86</guid>
		<description><![CDATA[Brown has two fundamental problems. First, he&#8217;s Scottish. That in itself is no bad thing, but when you have a queazy English plebiscite to muster, being otherly does not go in your favour. When people are unsure of your credentials, being different doesn&#8217;t swing them in your favour. His other problem is his lack of [...]]]></description>
			<content:encoded><![CDATA[<p>Brown has two fundamental problems. First, he&#8217;s Scottish. That in itself is no bad thing, but when you have a queazy English plebiscite to muster, being otherly does not go in your favour. When people are unsure of your credentials, being different doesn&#8217;t swing them in your favour. His other problem is his lack of charisma. Thatcher and Blair had it. Major didn&#8217;t. Brown is a private looking man with a serious agenda, and schmoozing, smiling, grinning and fawning to the crowd just aint his bag. Aside from his penchant for parternalistic statism, he&#8217;s a competent politician but, like Major, is facing a charismatic, well spoken, well dressed Englishman with facsimile economic policies. And also like Major, the crowd, like schoolkids with a sensitive student teacher, can smell fear and are keen to make use of it. Teflon Tony was worn down out of office. Mr Brown will be hounded out.</p>
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		<title>The current economic doom period is significant</title>
		<link>http://www.robbiebow.co.uk/blog/the-current-economic-doom-period-is-significant</link>
		<comments>http://www.robbiebow.co.uk/blog/the-current-economic-doom-period-is-significant#comments</comments>
		<pubDate>Wed, 14 May 2008 23:17:56 +0000</pubDate>
		<dc:creator>robbiebow</dc:creator>
				<category><![CDATA[politics]]></category>
		<category><![CDATA[stuff]]></category>

		<guid isPermaLink="false">http://www.robbiebow.co.uk/wordpress/?p=85</guid>
		<description><![CDATA[More significant than that of the early 1990s. What I predict is this is the beginning of the end of the last 60 years of 4% growth per annum. Not that we won&#8217;t have growth, but we will experience around 1% instead of 4% per annum. That&#8217;s a significant change of pace when you consider [...]]]></description>
			<content:encoded><![CDATA[<p>More significant than that of the early 1990s. What I predict is this is the beginning of the end of the last 60 years of 4% growth per annum. Not that we won&#8217;t have growth, but we will experience around 1% instead of 4% per annum. That&#8217;s a significant change of pace when you consider it translated into pay. 1% pay rise is significantly different (psychologically) from a 4% one.</p>
<p>Here&#8217;s my reasoning: the last 60 years growth have been based on the assumption of plentiful and cheap natural resources such as oil, metals, crops, fuel, fish &#8211; you name it, it&#8217;s scarcer and in more demand and therefore more costly than before. Many of these resources are diminishing &#8211; we&#8217;re almost certainly at or beyond peak oil, for instance &#8211; whilst demand from emerging economies such as India and China is adding to the acceleration in demand in emerged economies. Add to that the shrinking workforce and growing old age pensioners, which is already happening in some parts of Europe and will rapidly be happening here, and you have rising underlying costs. And they are rising irreversably for the next couple of decades, at least.</p>
<p>Now this doesn&#8217;t mean anything should be done. In fact, it&#8217;s pretty clear nothing <i>can </i>be done, other than to expect slower growth of our standard of living. Which, might, tenuously, lead into thoughts of <i>what </i>is our standard of living and how do we measure it beyond material wealth. Kids on sink estates in England feel they&#8217;ve got the shitty end of the stick, but materially they have massive advantage over their Malawian counterparts. And, providing it&#8217;s not a drought year, generally, the kid in Malawi has a better standard of living, in my limited experience. They are happier, better adjusted, more pleasant, inquisitive and able to enjoy the moment.</p>
<p>Just as Aldous Huxley said that morality is dependent on some basic material wealth, beyond that absolute amount of material wealth there&#8217;s a welter of ways in which our standard of living can and should be considered. As we enter an era where fast material gains become scarcer would could, as people &#8211; not states &#8211; consider, adjust, improve, perfect our non-material lives.</p>
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