text:
Links 11/25/13
Posted on November 25, 2013 by Lambert Strether
Uber Now Delivering Kittens For 15-Minute Cuddle Sessions Gizmodo Australia
Australia's sea of crimson claws BBC
What We've Learned From Nafta: It Successfully Undermined Regulations Yves Smith*, Room for Debate, Times. "'[I]nvestor-state' arbitration panels … give foreign investors greater rights than those of home country citizens and businesses."
$13 Billion, Yes, but What Took So Long? Gretchen Morgenson, Times. "Had the Justice Department aggressively investigated the banks' practices using its full array of powers, who knows how much more it could have generated?"
Shadow Banking and Systemic Risk Regulation Board of Governors of the Federal Reserve System
If this is "secular stagnation", I want my old job back Crooked Timber
US banks warn Fed interest cut could force them to charge depositors FT
A Temporary Deal With Iran Moon of Alabama
Historic P5+1 Interim Agreement With Iran Buys Time for Permanent Solution emptywheel
Follow the money: How lobby interests are spinning Iran nuclear deal Pepe Escobar, RT
Now for the Hard Part Foreign Policy
The Geopolitics of a US-Iran Détente The Diplomat
World recognizes Iran's nuclear rights: Rouhani Teheran Times
Iran sanctions deal to unleash oil supply but Saudi wild card looms Ambrose Evans-Pritchard, Telegraph
Obama has leeway on Iran, despite U.S. lawmakers' concerns Reuters
Disagreements break out within hours of Iran accord FT
After Iran nuclear deal, tough challenges ahead WaPo
Warsaw climate talks set 2015 target for plans to curb emissions Guardian
US Court Denies Halt on Pipeline Set to Replace Keystone XL Northern Half DeSmogBlog
Learning to Live in the Anthropocene Truthout
ObamaCare Launch
The federal health-care exchange's abysmal success rate WaPo. Keen interactive charts.
In rural Kentucky, health-care debate takes back seat as the long-uninsured line up WaPo. Note that Medicaid expansion requires neither the Exchange nor the mandate. It would have been just as simple to lower the eligibility age for Medicare and call that ObamaCare as it was to raise the income eligibility for Medicaid.
Obamacare Ain't Lookin' Too Caring Economic Populist
Chief of Hawaii's O-Care exchange to resign The Hill. Finally. A scalp.
US spying fuels popularity of secure messaging app Wickr FT. Funded by a VC late of In-Q-Tel? Gee, I'm not so sure about this…
Shaken NSA Grapples With an Overhaul Online WSJ
NSA deputy director skeptical on sharing data with FBI and others Guardian. So Feinstein's "reform" bill would let the FBI and DEA search NSA's data? Alrighty then.
Cryptography Part 1: Drunken rambling introduction Self Evident (parts 2, 3, and 4).
Multi-term Synonym Mapping in Solr Another Word for It. Whatever tool the NSA is using for data mining, it's not stock SOLR or anything like it.
How word targets help creative procrastination John Quiggin
Swiss Voters Reject High-Pay Initiative Online WSJ
Questions raised about role of British company in South African mining massacre The Bureau of Investigative Journalism
Greece's "Meaningless" Debt; Puppies Beg for Treats; Euro Debate Greece Isn't Having; Sisyphean Tasks Global Economic Analysis
Egypt's interim president Adly Mansour signs 'anti-protest law' Guardian
Philippine Diaspora to Rescue Shows Remittance Reliance: Economy Bloomberg
Think Black Friday is best day to get a deal? Think again LA Times
Black Magic, White Soul The New Enquiry
I is for Ideology Michael Hudson. "Ideology: A set of assumptions so appealing that one looks at their abstract logic rather than at how the world actually works. (See Insanity.)" I love this series.
Antidote du jour (From Mexico). They promised me a pony and now my pony is here!!!!!!
NOTE * Yves apologizes for the lack of an original post; she's been doing a lot of work back stage for the site relaunch.
This entry was posted in Guest Post on November 25, 2013 by Lambert Strether.
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AbyNormal November 25, 2013 at 7:17 am
re: US banks warn Fed interest cut could force them to charge depositors…
"3 people get stranded on a remote Island
A Banker/Bugfu*ker, a Daily Mail reader & an Asylum seeker
All they have to eat is a box of 10 Mars bars
The Banker/Bugfu*ker says "Because of my expertise in asset management, I'll look after our resources"
The other 2 agree
So the Banker/BugFu*ker opens the box, gobbles down 9 of the Mars bars and hands the last one to the Daily Mail reader
'Bugfu*ker' then says "I'd keep an eye on that Asylum seeker, he's after your Mars Bar"
Brookmyre, When the Devil Drives
DolleyMadison November 25, 2013 at 9:14 am
too funny…except it would go down exactly like that. Does their hubris know no bounds? We will now PAY them to offer us nothing in return for the use of our money. Unfreaking believable.
craazyboy November 25, 2013 at 11:57 am
Look at the bright side – your credit card rate will stay at 11% instead of going to 11.25%.
Jackrabbit November 25, 2013 at 1:04 pm
A more complete and Americanized version would be:
There are 10 people, one is a banker, one is a fast-talking marketing type, one is a body builder, and three are welfare recipients. The other four constitute the 'middle-class': two are Tea-Party types, one is neutral, and one is a lefty progressive type.
They agree to vote for leaders. The marketing guy is elected President, the banker is voted Treasurer, and the body builder is made 'General' and charged with security.
There are ten boxes of highly nutritious protein bars, each with 10 bars – enough to feed everyone until there is a rescue in a week or so.
The banker declares the bars to be a scare resource. The President calls for shared sacrifice. The General Agrees: food security is vital! The others must forage for food if they want some bars. Only the four 'middle-class' people forage successfully. After they have done so, the President urges the group to eat the berries and bark and save the bars for a special occasion or emergency.
The middle-class people complain but are out-voted 6-4. The lefty, who complains the loudest, is beaten by the General.
For the remaining days until rescue, the Tea-Partiers forage, while the welfare recipients perform personal services for the executives.
Ten days later, a plane arrives (the good ship 'Retirement'). But there is only room for three. The President, Treasurer, and General board the plane and tell the others that they can have the bars until another plane or boat arrives. When the others get back to camp they find that only two bars remain.
The executives convince the plane crew to fly them all the way back home, stopping only to refuel. Rescue for the others is delayed for many days. During that time, the 'executives' are media darlings and ink book and movie deals.
1) The middle-class forages, not just the Tea-Partiers.
2) Only the President and Treasurer board the plane.
3) Someone dies before rescue and some have lasting effects from the starvation diet, but most say nice things about the executives later, sucking up to the celebrities that they have become.
My version is not so funny. But neither is the real-life version.
JTFaraday November 25, 2013 at 7:54 am
re: I is for Ideology Michael Hudson. "Ideology: A set of assumptions so appealing that one looks at their abstract logic rather than at how the world actually works. (See Insanity.)" I love this series.
That's it? I got set for a whole essay on ideology by MH.
No pony at that link! Not even a 15 minute kitty cuddle.
MyLessThanPrimeBeef November 25, 2013 at 12:48 pm
After looking at how the world really works, one has 2 choices.
1. stay at being 'descriptive.' Join the party of bribery, special privileges, bailing out banksters, all that modern money 'descriptive' stuff.
2. Say no to how the world really works and say, we don't want corruption in government.
I say, stop being just descriptive.
Ulysses November 25, 2013 at 6:40 pm
Yes! X1000!! Staying "above the fray" in an ivory tower of "apolitical" observation will not be an option for very much longer.
Today Chris Hedges shared this somber thought:
"The forces of life, including the ecosystem, are being transformed into forces of death. The monster Typhoon Haiyan is only one of the first tragedies. Nature and global elites seeking to exploit the planet's last drops of blood and its repressed masses are joining to make the days of descent squalid and terrifying. And in this extremity we will have to find our place. There will come a time, if there is no radical change, when we too will be forced to choose how we will die, whom we will cling to, what we will risk. There will be no moral hierarchy to resistance. We will be pulled one way or another by fate and love. And these different routes of resistance will all be legitimate as long as we do not, as Edelman said, attempt 'to survive at the expense of somebody else.'"
http://truth-out.org/news/item/20236-shielding-a-flickering-flame
(N.B.– "Edelman" is of course the hero of the Warsaw ghetto uprising, not the plucky receiver/punt returner who contributed to last night's amazing comeback victory of the Patriots against the Broncos)
Doug Terpstra November 25, 2013 at 8:43 am
New rule: always look a gift horse in the mouth and its underbelly when presented by the great Trojan Horse himself. Re: Iran at Moon of AL, it sure looks like a setup. When, not if, Iran is judged to have failed to meet the terms, then Bibi's war can proceed with the usual AIPAC-imposed unanimity in the US Knesset.
Bill the Psychologist November 25, 2013 at 9:24 am
Another astonishingly beautiful and moving antidote, thank you very much for the positive start to my day.
Synopticist November 25, 2013 at 1:22 pm
Obama may be a dick and a sell-out, but he does NOT want to launch another war in the ME. He had that opportunity in Syria. Getting a deal with Iran was probably his no. 1 or 2 foreign policy priority for a second term.
I think he's enjoying giving the Israelis a pointed lesson in diplomacy, and moving the US further away from the Saudis, something that has been going on for a decade or more. Just about everyone theses days hates the Saudis, and the hold on US policy by the Israeli lobby is weakening.
charger01 November 25, 2013 at 9:25 am
From the "uber" story- wake me up when they have golden retrievers on loan.
The daily antidote is non-stop awesome.
i keep returning to the beauty
FromMexico takes my heart hostage…Again
"We need another and a wiser and perhaps a more mystical concept of animals… In a world older and more complete than ours they move finished and complete, gifted with extensions of the senses we have lost or never attained, living by voices we shall never hear. They are not brethren, they are not underlings; they are other nations, caught with ourselves in the net of life and time, fellow prisoners of the splendour and travail of the earth."
tyler November 25, 2013 at 9:39 am
The simple fact is that we'd be at or near full employment right now if the president and Congress had not raised taxes and cut spending.
Massinissa November 25, 2013 at 10:14 am
"had not raised taxes"
When were taxes raised?
And when they were, I assume it was something regressive.
tyler November 25, 2013 at 10:20 am
tobacco tax, tanning tax, expiration of payroll tax holiday, expiration of Bush tax cuts for the rich, tax increases in ObamaCare
Shutter November 25, 2013 at 3:04 pm
One more tax he should add… a 100% tax on firearms and any and all related accessories, including ammunition.
Tax them into oblivion.
ambrit November 25, 2013 at 3:32 pm
Shutter;
Add all munitions in the possession of the Government and I'll agree.
no more banksters November 25, 2013 at 10:56 am
The illusion of the self-regulating society through the deregulated market
http://failedevolution.blogspot.gr/2012/07/the-illusion-of-self-regulating-society.html
DakotabornKansan November 25, 2013 at 11:06 am
Herculean efforts to torpedo the deal in bound from Israel, AIPAC, Congress, and everyone's favorite theocracy, Saudi Arabia.
Warnings that new sanctions against Iran could lead to war.
"Do our Middle East "allies" really have our best interests at heart when they clamor for us to go to war for them?" – Zbigniew Brzezinski
The spin war…
Edward Bernays, Propaganda 101: Repeat a thing often enough, it becomes accepted as true.
"In the world of AIPAC, the Holocaust analogies never stop, and their message is always the same: Jews are licensed by their victimhood to worry only about themselves." – Peter Beinart, "The Failure of the American Jewish Establishment,"
http://www.nybooks.com/articles/archives/2010/jun/10/failure-american-jewish-establishment/
"As for Israel, if history has taught the Jewish people anything, it is that we must take calls for our destruction seriously. We are a nation that rose from the ashes of the Holocaust. When we say never again, we mean never again. Israel always reserves the right to defend itself." – Israeli Prime Minister Netanyahu, recent speech to the U.S. Congress
Yehuda Bauer, a Holocaust historian and the academic adviser to Yad Vashem, Israel's primary Holocaust memorial and museum, says, "People in Israel misuse the Holocaust in politics and other areas all the time. It's used mainly by the right wing but also by the left and center to [vilify political adversaries].
Bauer calls Jews the "impossible people." (the actual Hebrew word is "mehutzaf," which in normal usage means "insolent" or "impertinent") "The Jews were always in opposition to the whole world. The Jewish people would be endangered by unity. The quarrels and disputes are the engine that drives its culture forward, backward or sideways. That is its elixir of life.
"Internecine strife is a trait of the Jewish people. Jewish culture is based on these internal conflicts…The endless debates, from the Middle Ages to our own time, constitute the vitality of this people, so I call it chutzpah [a variation on the Hebrew title]. There is some inner cultural asset which is special and intriguing, and sometimes also repulsive and disgusting."
http://www.haaretz.com/weekend/magazine/history-professor-yehuda-bauer-netanyahu-doesn-t-know-history.premium-1.504937
"If you do something for long enough the world will accept it. The whole of international law is now based on the notion that an act that is forbidden today becomes permissible if executed by enough countries. International law progresses through violations." – Charles Freeman, quoting the former head of the Israeli Defense Forces' (IDF) Legal Department
Focusing on the Iran threat unites Netanyahu's hawkish base, while diverting focus from establishing peace with the Palestinians. Iran serves a similar function for the US hawkish base, while diverting attention from the plight of the Palestinians under Israeli apartheid.
"If this isolation from Palestinians were confined to American Jewry, it would be bad enough. But to a striking degree, the same insularity characterizes debate about Israel in Washington." – Peter Beinart, "The American Jewish Cocoon"
http://www.nybooks.com/articles/archives/2013/sep/26/american-jewish-cocoon/
Jim Haygood November 25, 2013 at 11:51 am
Bloomberg news: 'In exchange for a selective easing of sanctions, the agreement requires Iran to curtail sensitive nuclear activities, reduce its stockpile of enriched uranium and agree to increased international inspections of its nuclear facilities.'
If only Israel were signed up to a deal like this too, the whole world could breathe easier.
Netanyahu's reckless threats of a unilateral attack on Iran implicitly include the possible use of Israel's estimated 200 nuclear warheads.
This is a far more serious, credible and globally destabilizing risk that anything Iran is capable of doing. Disgracefully, Israel's contemptuous, decades-long flouting of international law is explicitly underwritten by the United States.
We shouldn't pick on Israel like that.
That kind of disarmament agreement should perhaps starts with France.
Then India.
Then Britain.
Then China.
Unless we assume Plato's Ideal State, run by virtuous statesmen, exists today…in that, er, exceptional case, it is exempt.
'The Jewish people would be endangered by unity. The quarrels and disputes are the engine that drives its culture forward, backward or sideways. That is its elixir of life.'
It gives one hope that all humans are alike, no one (or one group) is more special than others…that we all quarrel and dispute nonstop. I don't care if they are Christian, Hebrew or Buddhist theologians. I don't care if topic is religion, art or politics.
It would be a misuse to characterize only one group of people is by its quarrels and disputes. No one is more special. We are all equally Homo Not-So-Sapiens Not-So-Sapiens.
We are not, alas, even dogs.
This is what a dog does, in haiku
A dog does not say,
he and I, not the same breed
I won't play with him.
from Mexico November 25, 2013 at 12:38 pm
It's amazing how human beings operate.
The evolutionary biologist David Sloan Wilson calls the average person a "facultative sociopath."
In addition to a rich archeological, anthropological, and historical record of murder and mayhem, there is ample psychological evidence that we are hardwired to ditinguish between "us" and "them" and to behave inhumanely toward "them" at the slightest provocation, as science journalist David Berreby recounts i his book Us and Them: Understanding Your Tribal Mind. Much of this research was initiated in the aftermath of World War II to explain how decent people could have participated in the Holocaust. Henri Tajfel, a Holocaust survivor, discovered that he could trigger us-versus-them thinking merely by assigning people to arbitrary groups. In what has become known as the Robbers Cave experiment, social psychologist Muzafer Sherif and his colleagues showed that well-bred American boys at a summer camp could be easily set against each other by housing them in separate cabins and reunited just as easily by giving them a common task. Contemporary books such as Among the Thugs by Bill Buford and War Is a Force That Gives Us Meaning by Chris Hedges describe violent conflict as instinctively pleasurable, like a sexual experience… My dictionary defines a sociopath as "a person with a personality disorder manifesting itself in extreme antisocial attitudes and behavior." An ounce of evolutionary thinking makes it obvious that "extreme antisocial attitudes and behavior" do not necessarily reflect a personality trait or a disorder, but may be an evolved tendency that can be expressed by ayone in the grip of us-versus-them thinking.
–DAVID SLOAN WILSON, Evoluton for Everyone
MyLessThanPrimeBeef November 25, 2013 at 1:53 pm
It appears we have misplaced our inner Bonobo-ape self.
Perhaps we had killed it in order to become 'civilized.'
Dear MLTPB;
It probably withered when we had to leave the relative peace and security of the jungle habitat during the great "Drying Out" that began a few million years ago in the Garden. I'm still not sure whether the bonobo is our first cousin or our auntie.
Unfortunately for our post-Romantic sensibilities, we became the powerhouse species we are because we are social and cooperative creatures AND ruthless killers. The balance is all.
Garrett Pace November 25, 2013 at 2:32 pm
This sort of Manichean worldview does manifest itself early. My four year old is happy to assign labels to "good guys" and "villains", and media content for people his age is obliging in making obvious who is who. Offering a more nuanced view of the good and bad that all people are equally capable of presents a rather large conceptual difficulty. Results have been uneven, but there's been some success. Now he goes around saying things like:
"Jabba the Hutt makes bad choices."
Benjamin November 25, 2013 at 9:52 pm
It was much better to imagine men in some smokey room somewhere, made mad and cynical by privilege and power, plotting over brandy. You had to cling to this sort of image, because if you didn't then you might have to face the fact that bad things happened because ordinary people, the kind who brushed the dog and told the children bed time stories, were capable of then going out and doing horrible things to other ordinary people. It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was Us, then what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things. – Terry Pratchett, Jingo
tim s November 25, 2013 at 3:40 pm
Nature is not so kind either. I have seen my dogs chasing cats for sport, chasing possums & other critters of the night for trespassing on their property, and catching and killing a squirrel because, well, SQUIRREL!!!
I've had my new kitten (AWW, KITTENS) killed by the four Dachshunds next door because it finally got old enough to jump it's first fence.
Disney exists nowhere but on the screen.
speaking of screens, watch PLANET EARTH or BLUE PLANET to see how much animals love each other.
You're, of course, right.
That makes the fact that we are not even dogs even sadder.
Cynthia November 25, 2013 at 1:14 pm
Netanyahu is nuts. I think there should be sanctions against Israel until it dismantles its nuclear weapons, returns the land it forcefully stole from Palestinians and pays war reparations for all of the grief and death they have sown.
S M Tenneshaw November 25, 2013 at 9:11 pm
"Netanyahu is nuts."
Do they have mirrors where you're from?
Katniss Everdeen November 25, 2013 at 11:20 am
RE: Rural Kentucky/Uninsured (Note that Medicaid expansion requires neither the exchange nor the mandate.)
No kidding. Note also that for the next 3(?) years, the entire cost of the Medicaid expansion in all states that are expanding is borne by the FEDERAL GOVERNMENT. I'm guessing that means that all the lung spots and "moles" that have been simmering for years will be treated at the expense of the Feds.
Really??? They just cut FOOD STAMPS for Chrissakes!
Has everyone forgotten that there was a government "shutdown" a few short weeks ago over the budget deficit/national debt and another one scheduled for the first of the year?
So along comes Obamacare promising to pay for ALL Medicaid expansion, subsidies on insurance premiums with no restrictions on raises, and to cover any losses insurance companies will suffer as a result of this new law.
Someone, somewhere is DELUSIONAL. They just cut FOOD STAMPS for Chrissakes!!!
This is by no means a value judgement–whether these people should be treated or not–they should have been treated a long time ago. I'm just sayin' that when you're willing to cut food stamps and unemployment, I don't see any way this gets funded for very long.
Eureka Springs November 25, 2013 at 11:32 am
Especially when this (posted in links yesterday) http://www.newyorker.com/reporting/2013/11/18/131118fa_fact_keefe?currentPage=all
is the way governments want to treat expanded liberty/ small business.
Maintain the police state, the prison complex and add in absurd regulation incredibly high taxation ( two proposed 25 to 30 percent taxation points, plus other smaller ones on one agro product) at needless points.
The entire article, especially the thoughts and actions of the key figure in the article. Mark Kleiman, a professor of public policy at U.C.L.A. is a perfect demonstration of what goes wrong when gov't, so-called liberal and so-called conservatives agree in Chicago school, I mean UCLA neoliberalism.
bmeisen November 25, 2013 at 5:02 pm
Kleiman seems to have a point – legalization of pot is unlikely to eliminate the sale of pot under the table. He seems to be using a pricing model which may evoke (neo)liberal ideologies in some readers: if the price of legal pot is 10 and Tom's neighbor is selling it for 5 then Tom is likely to buy from his neighbor. Kleiman argues for more policing to "blow the paper tiger over", and maybe that's what's bugging you.
I appreciate some of your concerns. Instead of trying to win customers by suppressing the illegal trade, the state could adopt tried and true marketing tactics: loss leaders, quality arguments, rebates, two-for-ones, "Guaranteed lowest price in town!" The challenge is for the state to lure potheads to the legal market and it can do that without bullying dealers.
BondsOfSteel November 25, 2013 at 1:39 pm
OK.. this is going to blow your mind. Obamacare (ACA) actually reduces the deficit:
Budget office: Obama's health law reduces deficit
http://www.foxnews.com/politics/2012/07/24/budget-office-obama-health-law-reduces-deficit/
When the Dems passed the ACA, they cut costs and raised taxes to cover it's budget. According to the CBO, it actually brings in a tiny surplus.
Jackrabbit November 25, 2013 at 11:30 am
Well, since all the links are for the Iran deal are out today, my comment from yesterday seems more relevant so I am re-posting below with a few modifications:
Note: As has been stated clearly: there is no agreement on anything until a final agreement. Most commentators seem to be ignoring this stipulation; assuming, prehaps, that it is empty words that are necessary to comfort the hardliners. But the fact remains that this is an interim agreement that is also conditioned on Iran's good behavior.
Both sides get something valuable via this deal but that doesn't mean they are any closer to a lasting settlement of differences. And hardliners on both sides are not likely to stand still. So anyone who has become skeptical of anything from the Obama Administration might well ask:
* Is this Lucy holding the football (yet again)?
* Wouldn't an attack on Iran also pull Syria into the conflict? (along with allies that were previously reluctant to participate in a Syria attack)
Interim Agreement with Iran
I think critics are right that Iran gains more from this deal. The deal puts restraints on enrichment activity but is silent about other activities that are important for a nuclear arms capability. For example:
* The Iranians can't use their new centrifuges – but they can still manufacture them (or components).
* The Iranians have to restrict enrichment – but not development of delivery vehicles (e.g. missiles)
It may well have been the Iranians that did not want to include those other activities or would have done so only with more concessions such as an EXPLICIT acknowledgement of their right to enrichment. But continuing these activities provides fodder to critics.
At the same time, the Administration's summary of the deal describes their motivation to take this 'first-step' as a final step before an attack:
… without this phased approach, the international sanctions coalition would begin to fray because Iran would make the case to the world that it was serious about a diplomatic solution and we were not.
Given the fraught history of negotiations over the Iran nuclear project, one might expect that the negotiations will take all of the six months and more. However, the 'deal' actually can be terminated early if Iran misbehaves so Iran maybe expecting to have more time than they ultimately get.
So here's the rub: during the interim period, whether the Iranians are serious about reaching a final agreement or not, they have an incentive to redouble their efforts in every area not specifically disallowed by the interim agreement so as to be prepared for the possibility that a satisfactory final agreement is not reached. But critics will seize on any advances (real or imagined) as evidence that the Iranians are NOT serious and just playing for time. Cynics might say that the leeway allowed in this deal(*) is designed for exactly that purpose: to give Iran enough rope to hang themselves (with a little help from the anti-Iran hardliners).
* Even if it was the Iranians that refused a more comprehensive 'freeze' (probably wanting more concessions form the West in return such as an EXPLICIT acknowledgement of Iran's right to enrich).
down2long November 25, 2013 at 12:32 pm
Royal Bank of Scotland drove companies into default so that they could strip assets, etc.
http://www.bloomberg.com/news/2013-11-25/cable-refers-rbs-to-regulator-for-driving-u-k-firms-to-default
Who wants to bet this was system wide, including in the U.S., and that it continues today.
In my own experience this is very common here in the U.S: Wells and Deutsche refused/returned (in the case of Wells continue to refuse) my court ordered payments for my mortgage payments, Chase "electively" foreclosed on my performing loan, Wells sold (and fundedthe subsequent loan)on a property they foreclosed upon at half the price I had offered in Chap. 11, then sold the wiped out second as a performing loan to another bank.
The question is a rhetorical one: In England the B of E has stepped up direct loans to small businesses to help them get around the banks refusals there to loan to small business. Will Auntie Yellen do this?
Will Eric "Place" Holder investigate? Will Obombya—oh never mind. Oh, one does amuse oneself with these silly questions.
prostratedragon November 25, 2013 at 2:57 pm
For the Royal Bank of Scotland article, this url worked.
This just in: British Prince Andrew (formerly known as Randy Andy, now just known as a well-fed corporatist prig, right down to his Monopoly top hat) had Jamie "Slimin'" Dimon and many of his well heeled friends over to Buckingham Palace and a nice dinner of roasted peasant — I mean pheasant — and long luxurious talks between musical sets by the Philharmonic on how to phinally phinish off the peasantry.
A delightful time was had by all, although the British were upset by the increasing commercialization (!!!) and obvious class alliances of their dear Royal Family. Tish, tosh.
http://www.cnbc.com/id/101224226l
#AskJPM Slimin' Dimon dines with capitalist prig Prince Andrew at Buckingham Palace. Is a knighthood next?
http://www.cnbc.com/id/101224226#_gus
In marketwatch today, there is this article: If you want to get rich, read fiction.
I thought it was 'if you want to get really rich, write fiction.'
Especially the propaganda kind of fiction…buy my smartphone, lease my car brand, watch my channel, listen to my rock music….
If you want to get really rich, write a book on how to get really rich.
hunkerdown November 25, 2013 at 1:09 pm
NSFWCorp sells out… to Thiel-backed PandoDaily. I knew something felt inorganic about that recent anti-Omidyar muckraking spurt.
Jerome Armstrong November 25, 2013 at 1:57 pm
Thiel owns very little, among about 20 others that are likewise minority owners of Pando.
susan the other November 25, 2013 at 1:12 pm
Truthout. Peter Rugh. The Anthropocene. How do we leave the growth mindset? Maybe this is where software can shine. Because Tuttle lives. Let's do this: let's move out of this house by taking only what we need and a few souvenirs we cherish. Move into an eco-house all set up to do all the sustainability things. Then we can create a vast new industry coordinated by the internet and methodically recycle the old house and everything in it and the car in the garage, categorizing everything; and also create a massive new warehouse system of perfectly useable goods saving zillions in fossil-fueled manufacturing. Because you can only leave it if you have someplace else to go.
rich November 25, 2013 at 1:27 pm
New York Fed's Strange New Role: Big Bank Equity Analyst
By Pam Martens: November 25, 2013
Dudley is perhaps not the best candidate to be lecturing Wall Street on public trust. As we previously reported, Dudley's wife, Ann Darby, was a former Vice President at JPMorgan Chase and has been receiving $190,000 a year from the Bank from deferred compensation plans during her husband's presidency at the New York Fed. According to a disclosure document, those $190,000 payments are to continue until 2021.
"With regard to the deferred compensation, as we have previously stated, after further discussions and analysis by the New York Fed's lawyers, it was agreed that Ms. Darby's fixed deferred compensation from her previous employer neither posed a conflict nor required a waiver."
At the current dividend rate of 38 cents a quarter per share of JPMorgan Chase stock, $190,000 is equivalent to receiving the annual income on 125,000 shares of JPMorgan stock. That seems like a big deal, especially considering that Steven Gilchrist is being criminally prosecuted by the U.S. Department of Justice for working at the SEC and owning a handful of bank stocks.
According to a statement by U.S. Attorney Preet Bharara earlier this month, when Gilchrist was charged, "We will not tolerate abuses of trust and violations of law by individuals tasked with safeguarding our markets. As an SEC examiner, Steven Gilchrist had a duty to avoid conflicts of interest that might compromise or even appear to compromise his integrity. Instead, as alleged, he violated the SEC's internal rules about stock ownership and repeatedly lied to the SEC about his holdings."
According to the complaint filed by Bharara, Gilchrist asked the SEC for a waiver on holding shares of Citigroup, Bank of America and Morgan Stanley on the basis that he had inherited the stocks from his father, had owned them for a long time without any trading, didn't think of them as investments, and that they made up a "fraction of his portfolio." Gilchrist, a lowly compliance examiner at the SEC at the time of his alleged infraction, faces 15 years in prison if convicted.
http://wallstreetonparade.com/2013/11/new-york-fed%E2%80%99s-strange-new-role-big-bank-equity-analyst/
down2long November 25, 2013 at 1:29 pm
#AskJPM Slimin' Dimon at Bucky Palace with disgraced corporate shill Prince Andrew. Insults Andy by saying That's why I'm richer than you.
Pettis: Markets rational?
Are humans rational?
How does one get something rational (markets) from something not rational (humans)?
How does one get something that's supposed to be good for all (optimal resource allocation) from something that's questionable (just be selfish, looking out for your own best economic interest)?
Is 'creatio ex nihilo' somehow involved here?
tongorad November 25, 2013 at 1:49 pm
Dean Baker shilling for Obamacare:
"…by Washington standards Obama could easily take credit for the sharp slowdown in health care costs over the last five years. In reality, the ACA probably does deserve some of the credit, but regardless of the cause the slowdown is a really big deal. As a result, health care is much more affordable than would otherwise be the case."
Baker discusses some "caveats," such as gosh, that economic collapse thingy, but heartily concludes "it is hard not to see the slowing of cost growth as a very good thing. This will free up money for other purposes, including providing health care to a greater segment of the population."
http://truth-out.org/news/item/20235-more-pain-from-the-aca-spending-less-on-health-care
In other words, a sheltered academic elite with no grasp of working class reality spouting pure bollocks…never trust an economist.
Maybe I am imagining, but I thought I saw a bumper sticker that said, 'Republicans for Obama in 2016!'
jrs November 25, 2013 at 3:46 pm
EmilianoZ November 25, 2013 at 4:05 pm
I cant make any sense of this ranking of countries with the highest rates of antidepressant use:
http://qz.com/149733/iceland-has-the-highest-rate-of-antidepressant-use-in-the-world-by-a-long-shot/
Among the top 5 you find: Australia, Canada, Denmark, Sweden. Aren't these nice socialist countries with high quality of life? I read somewhere that Denmark had the highest percentage of people rating themselves as happy. This is completely contradictory.
It's based on an OECD report. Is it complete bunk? Or should we stick to rabid capitalism?
To see Sweden, Denmark and Iceland in the top 5 doesn't surprise me. Those scandanavians have always been famously depressive.
Equality can only do so much to overcome short, dark winter days.
Australiah, I think, is there due to people there living in a world that is upside down.
Ha! I recall my friend Hamish, from New Zealand, being pushed to a sputtering rage by my friend Andy insisting that he must feel great living in the U.S. now "and not having to deal with all that blood rushing to your head all the time."
Don't see very much daylight that far north between October and March!
Wall Street May Take Derivatives Regulator to Court
Wall Street banks reeling from a flurry of activity by departing U.S. Commodity Futures Trading Commission Chairman Gary Gensler are considering taking the agency to court.
Scalia Consulted
This time, the banks have decided they have little recourse except to sue the agency for not following the proper procedures for issuing regulations, said the people briefed. The Securities Industry and Financial Markets Association, Wall Street's main lobbying group, recently set up a conference call that included the firms' general counsels and attorney Eugene Scalia, a Washington lawyer who has filed several cases seeking to overturn Dodd-Frank rules.
The International Swaps and Derivatives Association, another Wall Street-dominated trade group, has also consulted with law firm Mayer Brown about the legality of Gensler's maneuvers, one of the people said.
A lawsuit could be filed as early as this week, the person said.
Scalia and ISDA didn't respond to requests for comment. Liz Pierce, a Sifma spokeswoman, declined to comment.
Rob Nichols, the president of the Financial Services Forum in Washington, which represents the chief executives of the major Wall Street firms, said that his members want to make sure that regulators in the U.S. and Europe are "rowing in the same direction" so the global swaps market isn't disrupted. Gensler's guidance on foreign trading is "counter-productive," he added.
'Raising Concerns'
http://www.bloomberg.com/news/2013-11-22/gensler-rushes-to-lock-in-swap-rules-as-wall-street-pushes-back.html
What is it with our country that whenever banksters want, they have access to the top echelon of people. Why is this not prohibited. We have Slimin' slobbering on Eric "Place" Holder's nubby knob (or is it the reverse). And now, God I can't even visualize it, banskters consorting with Fat Tony Scalia to front run a regulatory agency ruling provided for in that travesty Dodd-Frank mess. So someone actually finds a way, despite all the lobbying by the banksters, to put Dodd-Frank to use, and they go right to Fat Tony for a summary judgment, or a scowl, or a speech, or whatever Fat Tony will drop for them from his abundant behind. When will Fat Tony die of a well-deserved heart attack?
down2long November 26, 2013 at 12:31 am
How embarassing. In my fury I neglected to note that it was Fat Tony's disgraceful SON whom the banksters will hire, not thinking that that will affect Fat Tony's position on this. I jumped the gun. I will read more carefully next time. I offer an abject apology (to anyone I might have offended, as the congrescritters are won't to say.)
If this is "secular stagnation", I want my old job back from
I think that a powerful underlying factor setting the stage is that knowledge-driven production requires a different set of rules in order to function well. (Because the real productivity gains require that the knowledge be turned loose, but no one yet knows how to do that and simultaneously compensate/motivate those who do the work. )
Thus the internet and telecommunications infrastructure did not set off the wave of development that, for example, electrification did.
For lack of productive investments (that could function within social organization for thing-driven production), investment flowed into financial shenanigans and arbitraging between wage levels in the first world and the newly accessible (to multinational capital) Chinese and ex-Soviet block work forces.
And Crooked Timber is quite correct that all of this was quite visible and pointed out in real time, even if that fact is inconvenient for elite-tolerated discourse.
And Crooked Timber is quite correct that all of this was quite visible and pointed out in real time, even if that fact is inconvenient for elite-tolerated discourse. ->
All of this = all of what Crooked Timber talked about, not what I said.
Sigh. I want an editing function for Christmas.
TomDority November 25, 2013 at 5:45 pm
Just thought I would put it out there.
Probably doing it because, having not practiced the twelve ounce curl for some time, I am in need of practice.
So let me see if I got this here – economic – thing figured.
There be some people with a lot of pie and, they got a whole other bunch of people that have some pie but not enough to go around. Obviously, they all want to be……civil like, to everyone. No need for a messy brawl in a church….just wouldn't be kindly; if ya know what I mean.
So then you got to have some sort a person to make sure a brawl don't break out or something. Seems ta me that there needs to be some sort of… arbitrator In a match up like we have here, some neutral party has got to stand in….the only neutral party I know of is that big crowd of people that ain't got pie.
Don't mean to go on a tangent but, I am.
Taxes exist because; there are some bad apples in the barrel and, we all do stupid things. Taxes don't pay for nothing really. Really they pay for nothing. The only thing taxes do is; they try to keep the barrel full of fresh apples and, try to keep the stupidity to a minimum. I mean, who ever heard of an unfunded war!!!!? I guess it didn't get funded because nobody wants to purchase war….except maybe a few bad apples and General stupidity. You would think, through the magic of supply and demand….that wars should cost next to nothing Being one and the same thing, taxes are meant to keep your neighbor from pissing in your soup. If it weren't for people that like to piss in your soup…there wouldn't be a reason for taxes. All MMT'ers and all sovereign nations know that. Fact is, we all signed up for that deal under the Constitution of the United States….you know…cause we are citizens….some of us more prone to stupidity than others…like me.
Well, I am going back to the pie fight I alluded to above.
If I were that referee, I would first assess the situation.
I got a few people with a lot of pie on the one hand, and a bunch of starving people with a little pie on the other hand.
At that point, I would be compelled to stop the fight. I mean, for the love of humanity….how could I not? You got a few people with a bunch of pie against an army of starving people and a little pie. That ain't no fight….that just a pure sign of stupidity that stupefies one's imagination. Those with a lot of pie…..they will be decimated….ain't no contest.
First thing I would say to the pie heavy is: what? are you stupid??
First thing I'd do is tax their stupidity.
Of course, no hands would touch those that bake the pies……Pie good. War bad.
diptherio November 25, 2013 at 6:02 pm
Cracked's Jason Pargin and Jack O'Brien have some interesting thoughts on the new economy on this week's podcast:
What America Can't Admit About the Millennial Generation
Klassy! November 25, 2013 at 7:31 pm
that looks interesting. Thanks.
related: https://medium.com/matt-bors/875d45297612
Bet Mulligan November 25, 2013 at 6:24 pm
I've read a few of the FedRes's papers on shadow banking. Unfortunately, they don't tell us anything we don't already know but I'll read this latest one anyway, just because. What I'd really like to read is their shadow banking crime and punishment paper.
Right. In my dreams.
McWatt November 25, 2013 at 9:24 pm
"Obama Care Not Too Caring"
Just got a letter from Blue Cross/Blue Shield. My rates are going up $75.00
a month because of costs mandated by the Affordable Care Act. $1650.00 for
two adults one child.
Sammy Maudlin November 26, 2013 at 12:50 am
In "Black Magic, White Soul" Emily Lordi takes liberties with, and ignores a source she cites to create a false authoritarian paradigm around the creation of the song "I Never Loved a Man (The Way I Love You)."
Ms. Lordi cites Matt Dobkin's book "I Never Loved a Man the Way I Loved You: Aretha Franklin, respect, and the making of a soul music masterpiece" for the proposition that it was Ms. Franklin's "magic chord" that was the true catalyst for the arrangement and recording of the song. She avers that Spooner Oldham's decision to leave the acoustic piano playing duties to Ms. Franklin on the record was a key event, and that the movie Muscle Shoals falsely gives credit to Mr. Oldham for providing the musical impetus to the arrangement. According to other (uncited, yet presumably more accurate) sources, Mr. Oldham confirms this version of history.
However, Mr. Dobkin's book tells a far different tale that the one Ms. Lordi attempts to relate. In the book, Mr. Oldham is universally recognized as having placed the keystone for the recording of the song. The session had lost momentum (even after Ms. Franklin had played the "magic chord") in large part because the musicians didn't really like the song. The demo was of extremely low quality and most thought it a tired blues cliche. However, Jerry Wexler insisted the song wasn't that bad, and it was part of the album sessions in large part because Ms. Franklin's husband Ted White "discovered" the song through a signee to his recording label.
At some point, Mr. Oldham began playing the now-famous 3/4 time Wurlitzer organ part that leads the song musically. Engineer Chips Moman heard Mr. Oldham and declared "Spooner's got it! Spooner's got it!" Mr. Oldham kept playing, Ms. Franklin then worked her magic and began singing (without par) over the organ part. The rest of the musicians arranged their parts (without input from anyone, including Ms. Franklin), the track was cut, and music history was made.
Furthermore, there is no acoustic piano until the second verse of the song. The "magic chord" was her vamping at the beginning of the session, not the bedrock of the song's arrangement. Even the best musicians have a few favorite "licks" they'll play when they first pick up an instrument to get the ball rolling. (An aside, one of my favorite Jimi Hendrix "compositions" is a two minute clip of him tuning up before a concert in San Diego in 1969, jaw dropping stuff).
Ms. Lordi takes liberties with the facts to promote the idea that Ms. Franklin is being slighted her share of the credit for the recording of the song. She states:
[The "magic chord" story] reminds us that she laid the instrumental foundation for her own recordings with Atlantic, arranging the songs through "head sessions" in which, as she explains, the band would "listen to what I was doing, and then they would decide what they were going to do, around that." The image of Franklin in the driver's seat of her own recordings powerfully contests the dominant story that casts her as a young ingénue just drifting, waiting for white men like producer Jerry Wexler to "know what to do with her."
This passage implies that it was standard practice for Ms. Franklin to take the lead in arranging songs she tracked for Atlantic, and that this part of the tale is left out of Muscle Shoals. However, "I Never Loved a Man" was the first song she ever recorded for Atlantic. She had never worked this way previously. Prior to this session, Columbia had tried to capitalize on her talent by making her sing show tunes and ballads with string arrangements in an attempt to make her the "black barbara Streisand." (Dobkin, p. 27)
All of Ms. Franklin's contemporaries were at the mercy of their record labels. Misuse at the hands of a clueless record label was not a race or gender-specific problem. No record label "knew what to with" Willie Nelson, either. Years of Nashville strings and other false starts marred his early records. It wasn't until Red Headed Stranger hit big that Columbia "knew what to do with" him.
Ms. Franklin was not the authority in charge of the recording sessions for "I Never Loved a Man," no one was. Music was in charge. She, the musicians, engineers, producers, and yes, record label owners came together to produce a piece of recorded magic that may never be duplicated. Ms. Lordi backhandedly dismisses other great talents such as Duane Allman, Rick Hall, and the Muscle Shoals musicians themselves. It's a pity that, in order to further her viewpoint that a black woman is not receiving enough credit for her talent, she must argue that white men necessarily are receiving too much.
Music is art and is colorblind. The Muscle Shoals musicians loved the music they were making, it wasn't a blackface gag. There's simply no need to take the piss out of their legacy the way Ms. Lordi attempts to do.
James Brown said it best: "it's not black or white, it's what's right!"
Tim Mason November 26, 2013 at 3:55 am
A couple of links. First a poem on whistle-blowers which appeared in the comments to a Steve Bell cartoon in the Guardian. Highly recommended http://www.theguardian.com/commentisfree/cartoon/2013/nov/25/steve-bell-if-david-cameron#comment-29195257
And second, in interview with Michael Dear on his book "Why Walls Won't Work: Repairing the US-Mexico Divide." http://www.youtube.com/watch?v=bxPlXMQvvi4
Foy November 26, 2013 at 3:58 am
Re: Shadow Banking and Systemic Risk Regulation
Interesting quote from the speech:
Cash lenders in the tri-party repo market thus came to expect that the two clearing banks would always unwind their maturing trades in the morning, returning cash to their account, despite the absence of a contractual provision requiring them to do so. As a result, they grew comfortable in the belief that they held a cash-equivalent asset that was perfectly safe and liquid. But as the crisis deepened, cash lenders became aware of the fact that the clearing banks were not contractually obligated to unwind repo trades….
'became aware'?! In other words the players forgot how the instruments they created and were trading actually worked! And then systemic oops. Thanks guys.
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From financial planners to annuity producers, everyone has felt the effects of regulatory restraint on both the local and national level.
The last few years have seen dramatic regulatory change in the life/health industry. From financial planners to health agents to annuity producers, everyone has felt the effects of regulatory restraint on both the local and national level. What changes are yet to come? And how can you adapt in order to survive and thrive in this ever fluctuating environment?
At the 2014 Advisor Summit Network in Las Vegas, an expert panel comprised of Sheryl Moore, President and Chief Executive Officer, Moore Market Intelligence, Scott Kipper, Insurance Commissioner, State of Nevada, and Kim O'Brien, President and Chief Executive Officer, National Association for Fixed Annuities (NAFA), and moderated by Steven R. McCarty, Chairman, National Ethics Association, discussed many facets of regulation. Here are excerpts from their discussion. Q: What has had the biggest impact on this industry?
Moore: From the producers' perspective, I think the biggest change we've had in this industry is suitability. That's really affected your businesses in a big way. It has affected not only the products that are in your toolbox, but the solutions that you can provide to your clients, as well.
O'Brien: Producers have done an astounding with suitability. NAFA just got our numbers in on 2013 and there were 46 complaints against the indexed annuity and a total of 202 for all fixed annuities. That's down 85 percent. We wouldn't have gotten the Harkin Amendment if we didn't have the suitability rule in place.
Kipper: Suitability is also the [commissioners'] focus. We're entirely hopeful that this trend continues. It's nice to hear those numbers. We believe the message is getting across. Here in Nevada, we don't have those significant issues and we hope this continues to be a trend that you all are doing what you're supposed to do for your consumers — getting the right products in their hands at the right time. Q: How has this issue of suitability impacted advisors and their businesses?
O'Brien: Well, it's no doubt complicated it. There's a lot to do to meet suitability standards, there's a lot of forms to complete. There's no doubt it's increased the workload. But I think with that increased workload, it's further secured the relationship with your customers and carriers.
Has anybody heard the name Glenn Neasham? That case happened before we had our suitability model reg that's in place today. And maybe, had that been in effect at that time, we wouldn't have had to hear about Glenn Neasham all over the headlines for so many months.
I think that the takeaway when it comes to suitability is, yes it is more work; yes it is confusing. But in the end, it not only helps protect you, but it also strengthens your relationships with your clients. So ultimately, I do see it as a win/win.
Kipper: As a very old producer, I think that suitability did nothing but simply help cement that relationship between producer, advisor and client. And I think that will go a long way toward enhancing sales, enhancing a change in the portfolio of those clients as their situation changes, because you can know them that much better. Ninety-five percent of the producers and advisors out there do it right, do it correctly, are not a problem, are a great service to their clients. It's the 5 percent that end up on my desk and force us to take action at the state level and also to address new suitability rules at the NAIC.
O'Brien: If I might just take this a little more federal, NAFA is very much opposed to the DOL fiduciary rule and the SEC putting forth a "uniform standard," because we believe the suitability is the gold standard for the transactional sales that you make. The reason we're so opposed to the fiduciary standard is not because it's not a great standard—it's a good standard for the type of business that it's applicable to. But if there's a uniform standard imposed, suitability will not go away. Thirty-six states now have enacted it and Harkin makes it pretty much across the country. So you will have to face two dueling standards, two fiduciary responsibilities, both the suitability standard and the best interest standard of the fiduciary. That is going to be devastating to the marketplace. Q: As far as the product line itself, what changes do you see coming down the pike?
O'Brien: It's the proprietary indices and some of the exotic indices that are going to be our new challenge in the industry.
Moore: Agreed, Kim. And in the conversations I'm having with regulators, one of the big concerns I'm hearing about is uncapped crediting methods. What they're seeing is that there may be a disconnect between that concept and what's being communicated to the client. And that's a concern. I just want to caution all of you that if you are selling uncapped index annuities and these products with these proprietary or hybrid indices, please understand your product and make sure you are communicating this very well to your clients so there's a realistic expectation of what they can receive. It's the guarantees on these products that the prospects and the consumers want. They don't want to hear that this product has stock market-like potential, they want the safety, and they want the guarantees. So we need to return to that message rather than getting excited by these exotic indices.
Kipper: One of the things we do here in Nevada that I would love to see other states do is we have an advisory committee made up of industry reps, brokers, advisors as well as some consumers and we sit down quarterly and talk about issues. The other thing is if you see something out there in the street that looks a little fishy, or is something that you know is illegal or you think is illegal, we ask producers and advisors to contact us and turns us onto those concerns, to those products, so we can investigate and vet them more fully.
What we see occasionally that gets advisor in trouble with us is they go beyond what you were just talking about and fill in and color it more than they need to and some of that coloring isn't quite right. And then those complaints land on my wall. I think if there is a takeaway, it's education; know your products; know how they function and tie that with the suitability piece after you've sat down and debriefed your clients. Q: How can advisors prepare themselves for future changes? And if they're with an FMO, how can they talk to their producers about how to adapt?
O'Brien: Engage. There is currently a proposed tax reform proposal draft by Congressman Camp that's imposing almost $28 billion of taxes to pay for reform. Now, it's a draft bill, but this $28 billion of taxes on the insurance industry, and it's only life insurance companies, is going to absolutely devastate our marketplace. It's going to impact the product; it's going to impact how the product can perform, the interest rates that can be deemed. So get involved. Engage. Meet with your congressperson. Please do, because they will listen to you. You're a vote and you can tell them what impact this will have on your business and your customers.
Moore: We also need to be focusing on education. I've really been disappointed in our industry as a whole since we defeated 151A. It seemed like everybody was like, "Oh, that sucked, but it's over. OK, back to what we were doing." But we need to learn a lesson here. Maybe it's not the same exact issue we were dealing with on 151A, but we need to be more of a self-policing industry, because I don't know about you guys, but I think these products are freaking awesome. I own indexed annuities, I own indexed life insurance. I believe in these products and I think that if we want to be able to continue to give that message to consumers, we need to protect our business. And do you know what the easiest way to protect this business is? To educate.
Kipper: I completely agree that education is at the forefront. If you couple the engagement with the education and you throw in a great deal of passion, I don't know how you wouldn't be successful. Q: What are the most common mistakes that you see advisors make that lead to enforcement actions?
Kipper: One of the most common ones is not knowing your product and overpromising what is not there. So if you know your products well, educate yourself and follow that, you will have fewer problems. I think that's so key and will continue to diminish the number of complaints and enforcement actions.
O'Brien: What we see often is in advertising. Misleading advertising, seminar pitches that are misleading or aren't in compliance with a state's advertising and promotion law. You've got great resources out there; use them. Your marketing organizations and carriers are very attuned to what is compliant, so use the resources that are there for you. Don't go it alone. Moore: Something I've observed in the insurance industry is that product innovation is always a step ahead of regulation. Use your own instincts and experience and that little thing inside you that says "I don't know if that's a good idea." Listen to it. Because if it feels like it's not right, it probably isn't. And it can catch up to you. I've observed it time and time again. We are so innovative in this industry: new, different, better, faster and cheaper. Just remember that regulators usually don't know about it until someone drops in at their office and briefs them on it.
McCarty: One of the easiest things we can all do is just check our moral compass. That very first phone call from a client with a bit of a negative regarding the product can often be easily handled by getting right back to the person. We can blow out a match easily, but it's hard to put out a forest fire. And every day that goes by where there's a lack of communication with the client breeds mistrust, and we've seen it in our industry.


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Songtrust Spotlight: Tami LaTrell
Songtrust Staff
TAMI LATRELL is a multi-platinum, GRAMMY-nominated songwriter with Sony/ATV Music Publishing who's written for artists such as the late Whitney Houston, Keyshia Cole, SWV and Monica to name a few.
In 2018, she transitioned into the business side of the music industry and launched The Mezzo Agency, a music publishing administration and licensing company that discovers unclaimed royalties, catalog management, music licensing and creative services for songwriters, producers and indie artists. Her administration roster includes writers such as the late Rev. Paul Jones (I Won't Complain), CeCe Peniston (Finally), QuikV (Taylor Girlz) and El Jefe (Queen Naija). Newly added to the roster in 2020 on behalf of J. Walker & Associates law firm are gospel greats Stephen Hurd and Micah Stampley, and Billboard chart topping hip-hop artist K Camp's 427 Entertainment, LLC (Blessing, Lottery).
She is most popular for her Youtube channel which has amassed over 670k views on music business tips, and understanding music publishing.
As a voting member and music advocate of The Recording Academy, Tami also contributed rallying efforts alongside Congressman John Lewis in support of passing the Music Modernization Act. She is also a founding member of Women In Music-Atlanta.
How did you get your start in music? What or who inspired you as you were just starting out?
I started out in 1998 as part of a girl group in my hometown of Houston, Texas. Two years later I became a solo artist and signed with an indie label. Growing up I was inspired by my family, both parents were musicians and performers but of course the greats - Whitney Houston, Michael Jackson, Prince, Luther, Anita Baker, SOS Band and Earth Wind and Fire. Then later Mary J. Blige, Aaliyah, Brandy and Monica and the whole Bad Boy era. I sang at talent shows and studied music in school. I loved the 90's!
What is something that you know about the music industry now that you wish you had known when you first started?
I think it's important to position yourself whether that means moving or changing your circle where your musical gifts can really be challenged and your talents cultivated. I also wish I would have understood the value and leverage of music publishing when I was younger. I had no clue what I really had, I was just having fun and loved writing songs - until I almost lost it all.
You've worked with both traditional publishing and publishing administration -- based on your experiences, what is the most important thing every creator should know about these two types of publishing?
From my experience with a major music publisher, I was afforded opportunities to meet with labels, we were always doing writer retreats and sessions, plus we were tapped in to a network of other producers and songwriters I would have probably never met without the deal but you do have to give up your ownership and could possibly ending up owing a lot of money if you don't recoup your advance. These days, an admin deal with agencies like mine gives you opportunities to collect on royalties that you wouldn't normally know are out there. Plus with the internet, access to opportunities are abundant, producers and songwriters can be scouted and introduced through social media, and we are able to create licensing opportunities just like the majors. The difference is, writers maintain ownership of their publishing and copyright. Our commissions in this business model come from the work we place and administer, license and the royalties we find on their behalf.
How did you find out about Songtrust and how has your experience been so far?
I discovered Songtrust about 3 years ago. I had a few clients asking about how to collect their Youtube royalties and they trusted me with finding the answers. Songtrust was the answer! Since then, I've collaborated with the ST team at several music publishing workshops and webinars to spread the word about how awesome indie music professionals can benefit from the platform. They get my business model and I'm grateful for how supportive they have been with what I am building.
You recently started the Mezzo Agency -- What inspired this and what does the Mezzo Agency provide to creators?
I can truly say Mezzo was a manifestation fulfilled. I envisioned a space for both budding music creators and established music creators who didn't care to be locked into major publishing deals to have an agency where their catalogs are being properly managed as they create and release new music and their royalties are being claimed and distributed without us owning their copyrights and publishing. They put in the work creating it, so they should own it. Period. We manage a few huge catalogs so split appropriation when dealing with lots of writers is of the utmost importance to ensure accurate payouts. Our team works with royalty management and licensing partners also to make sure songs are not only being properly registered and claimed, but also shopped and licensed. Since we've launched we've placed songs with Tyler Perry's Madea's Family Funeral, BET Networks, ABC/Disney, American Idol and PBS documentaries to name a few.
In honor of Women's History Month, what advice do you have for female DIY songwriters navigating the music industry?
My advice would be to take advantage of all the access to resources about the business of music because we surely didn't have that back in the day. We are no longer in an era where creators are just making music. It's a must that you are familiar with also being a music professional. Another word of advice is that no one owes you anything. Your talent may have gotten you in the room but how well you perform and your ability to adapt and thrive as things change is what will keep you in the room. Lastly, know your worth and that is enough.
You've written for a lot of well-known female artists including Whitney Houston, Monica, Keyshia Cole -- how were those experiences? How did you find yourself writing for them and/or what is your writing process like?
On Whitney Houston: Imagine being a freshman in your college dorm and your mom calls you saying Whitney Houston is on the radio singing your song "Whatchulookinat"- and you had no clue the indie label you used to be signed to sold it to her. That was my intro into the music business at 18….What they didn't know is that I owned all my copyrights to my songs, so I got my publishing and luckily I am able to eat off royalties forever - BUT this story happens too often and a lot of writers aren't so lucky. Please protect your intellectual property music creators, learn the business. Stay woke!
On Keyshia Cole: I penned "Fallin Out" for Brandy actually. Soulshock and Karlin felt it would be a great ballad for her comeback. But Ron Fair heard it and the rest is history. I loved his final production and changes, especially adding the orchestra. That wasn't in the demo.
On Monica: Sony ATV called me asking for a song for Usher to sing on the Best Man Holiday closing scene. Fatboi, Atozzio and I wrote "Anchor". Usher passed on it. Monica heard it and cut it the next week. Monica's got that southern hospitality vibe that meshed well with my vibe from Texas so from the time we met she was personable and very kind while we worked on the song. I appreciated how she kept the majority of our arrangements and trusted in what we delivered. She was someone I looked up to when I was younger so to work with her and even to write for SWV and Whitney - who are all legends, is an honor for me.
Education is a big part of your strategy -- what is your approach to educating like-minded creators about music business?
I always tell writers "a good song will find a home" but when it gets placed, is your ownership secured so that you get paid? My platform primarily covers that type of educational content and I do consultations also. I'm also equity holder for a music tech company called The LABZ that automates music ownership while creators collaborate, generates split sheets and much more, all in one workspace. Last year was focused on building Mezzo and things started moving very fast so I conducted more consultations with clients one on one and spoke at a few music business workshops and conferences too. I'd been doing videos about the music industry since 2012 so it was long overdue for me to shift gears. I plan on getting back to more content and recent interviews will be released on my social networks and website this year.
Lastly, what is your go-to song or album lately?
I've been vibing to Lucky Daye - Painted on my chill days, it's colorful and warm. I appreciate D'Mile's production and instrumentation too. I'm the "listen to the full album all the way through" type.
Originally published on March 25, 2020, last updated on March 25, 2020
Take control of your publishing. Maximize Songtrust for your songs and business.
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The answer is not as simple as we'd like, but our goal is to make it as clear, transparent and understandable as we possibly can.
Songtrust is more than just a rights management platform and publishing administrator - we're a team of experts in the music community who strive to educate, support, and provide thought leadership to creators, representatives, and businesses across the music industry.
Our hope is that you'll finish this guide with an better understanding of the business behind songwriting and have actionable resources to help you be successful.
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redpajama_set_name: RedPajamaCommonCrawl


text:
Josina Anderson · @JosinaAnderson
10th Dec 2012 from Twitlonger
Fred Jackson to me on his knee injury: "They told me it's a grade II sprain of my MCL. I mean technically it's a tear off the bone, because you tear the ligament away from the bone. So that's why some people say it's a tear, but the ligament itself is intact. It's just pulled away from the bone a little bit."
"It's something that I've done before, so I knew what they were talking about when they said it. It's kind of both. Dealing with it that way you know that you won't have surgery by any means to repair it. They told me I would be out two to three weeks, but I think they might just put me on injured reserve so they can get somebody to come in and play because I won't be able to play the rest of the regular season it looks like. They probably will let me know for sure later today."


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Learn how to use the AEM Forms PDF Generator module to create PDFs from multiple file types (like Word or Excel), assemble PDF/XDP files using DDX and create PDF portfolios.
This workshop focuses on building AEM Forms applications using the PDF Generator module. This workshop consists of lectures and demonstrations combined with a series of exercises that focus on PDF Generator and introduce Assembler. The result is the creation of a PDF generation and archive solution. Topics covered include creating portfolios based on multiple document inputs. The workshop uses AEM Forms Workbench, which is the integrated development environment (IDE) for creating AEM Forms applications.


text:
Geografia
Grecia
 Attica – regione
 Attica – una delle 13 periferie
Stati Uniti d'America
 Attica – città della Contea di Fountain, Indiana
 Attica – città della Contea di Harper, Kansas
 Attica – township della Contea di Lapeer, Michigan
 Attica – città della Contea di Wyoming, New York
 Attica – villaggio della Contea di Seneca, Ohio

Altro
 1138 Attica – asteroide della fascia principale
 Attica – gruppo musicale statunitense
 Attica – forma femminile del nome proprio di persona Attico
 Attica – fumetto italiano sceneggiato e disegnato da Giacomo Bevilacqua

redpajama_set_name: RedPajamaWikipedia


text:
«Звёздное лето» — советский детский фильм 1978 года, снятый на киностудии «Арменфильм» режиссёром Левоном Григоряном.

На XII-ом Всесоюзном кинофестивале фильм получил приз жюри как «добрый и весёлый фильм, утверждающий интернациональную дружбу детей».

Сюжет
Из пионерского лагеря в Армении убежали несколько ребят. Они решили познакомить своего нового друга французского мальчика Даниэля с достопримечательностями республики. История их приключений, приобщения к древней культуре и традициям Армении составляет содержание фильма.

Французский астрофизик приезжает в СССР, чтобы работать в Бюраканской обсерватории, с собой он берёт и сына Даниэля, который, пока отец проводит исследования, отдыхает в местном пионерском лагере, где у него появляются много новых друзей, которые рассказывают ему о красотах Армении.

Даниэль, думая, что проведя всё время в лагере он ничего не узнает о загадочной Армении и ему нечего будет рассказать его французским друзьям в Париже, решает самостоятельно изучить её достопримечательности.

Ранним утром Даниэль и его новые друзья Армен и Надя сбегают из пионерского лагеря.

В погоню за беглецами устремляются их пионервожатая и физрук пионерлагеря Аршак.

Детей и взрослых ожидает масса приключений и забавных ситуаций… Ребят не так-то просто догнать, они, переплыв на катере озеро Севан, «зайцами» на поезде отправляются в Ереван. Друзья гуляют по городу, забираются на крышу многоэтажки, откуда открывается панорама армянской столицы. Здесь наконец-то их и настигает Аршак.

В конце отец Даниэля ведёт пионеров в обсерваторию, где через огромный телескоп они созерцают космос, а неугомонная троица рассуждает, что надо будет изучить и его красоты.

В ролях
 Артур Вартанян — Армен
 Алёна Егорова — Надя
 Армен Мноян — Даниеэль
 Леонард Саркисов — Аршак, физрук пионерлагеря
 Армен Айвазян — Вартан
 Карина Саркисян — Анаид
 Левон Шарафян — Сурен
 Мигран Кечоглян — Морис
 Грачья Костанян — Ишхан
 Анаида Кешкекян — Гаяне
 Артуш Гедакян — тракторист
 Хачик Назаретян — шофер
 Азат Шеренц — повар
 Елена Оганесян — эпизод
 Верджалуйс Мириджанян — ''эпизод
 и другие.

Песни в фильме
По просьбе режиссёра специально для фильма Аллой Пугачёвой на стихи Ильи Резника были созданы песни - «Звёздное лето" - ставшая темой фильма, «Папа купил автомобиль» и «Три желания», через год вошедшие в её альбом «Поднимись над суетой!», став всесозюными хитами (фильм вышел на экран в мае 1979 года, песню звучали всё лето по радио, а альбом вышел в ноябре 1980 года).

Литература
 «Звёздное лето» (Об одноим. худож. фильме) // Московская кинонеделя, 11 мая 1980
 Звёздное лето // Советские художественные фильмы: 1978—1979 / Мария Павлова. — М.: Нива России, 1998. — стр. 46
 Почему в фильме «Звёздное лето» звучат песни в исполнении Аллы Пугачёвой
 Кино Армении / Альберт Гаспарян. — Крон-пресс, 1994. — 415 с. — стр. 408

Фильмы студии «Арменфильм»
Фильмы СССР 1978 года
Детские фильмы СССР
Фильмы о пионерах
Фильмы — лауреаты Всесоюзного кинофестиваля


text:
using System;
using System.Collections.Generic;
using System.Linq;
using System.Text;
using System.Threading.Tasks;

namespace Pattern9.Visitor
{
    /// <summary>
    /// The 'Element' class
    /// </summary>
    public abstract class AbstractLector
    {
        protected AbstractLector()
        {
        }

        protected AbstractLector(string name, decimal income, int vacationDays)
        {
            this.Name = name;
            this.Income = income;
            this.VacationDays = vacationDays;
            this.WorkFromHomeDays = 0;
        }

        public string Name { get; set; }

        public decimal Income { get; set; }

        public int VacationDays { get; set; }

        public int WorkFromHomeDays { get; set; }

        public void Accept(IVisitor visitor)
        {
            visitor.Visit(this);
        }
    }
}

redpajama_set_name: RedPajamaGithub


The Health Care for the Homeless movement is committed to meaningful involvement of people with the experience of homelessness at all levels of our work. To assist with consumer involvement, the Council has now published A Quick Guide on Board Composition for Health Care for the Homeless Projects. A related workshop will be presented at the 2015 National HCH Conference & Policy Symposium.


The event will be held in the Social Club at Gigg Lane on Thursday, 9th March. Doors will open at 7pm for a 7:45pm start.
The event will be a strictly ticket only event with full details of prices below.
The evening will commence at 7:45pm prompt with a question and answer session with the event being hosted by Sky Sports News HQ reporter James Cooper.
At approximately 8:30pm, we will break for a 'pie and peas supper', before proceedings will recommence at approximately 9:15pm for a further session of Question and Answers from the floor before we bring the night to a close at 10pm.
Tickets are available by calling at main reception at Gigg Lane between 9am and 5pm Monday to Friday.
This event is for over 18's only and tickets will be sold on a first come, first served, basis as there are a limited number available.


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text:
Tag Archives: andrew haigh
Moving pictures, #23
Another mixed bag, country-wise, this time. Four were rentals, two I bought. Two are also sequels. And one is silent, while another has only a music soundtrack.
Storm over Asia*, Vsevelod Pudovkin (1928, Russia). Although cinema was in its infancy back before "talkies", what a lot of people seem to forget – or don't know – is that a lot of the cinematography of that time is often astonishingly good. Anyone who has seen Dreyer's The Passion of Joan of Arc can't fail to be impressed by the beauty of the Dreyer's imagery. Storm over Asia, an early Russian film, is not one that was known to me – Eisenstein, yes; even Aelita, yes; but not this one… Which is a shame as it's quite an amazing piece of work. It's set in Mongolia in 1918. A Mongolian trapper is ripped off by a European trader, and runs to the hills after fighting the trader. He becomes a Soviet partisan, fighting against the British occupiers. They catch him and shoot him, but then discover he is a direct descendant of Genghis Khan. Fortunately, he's still alive, so they patch him up and plan to use him as a ruler under their control. Of course, he turns on them. Hang on, I hear you saying, the British never invaded Mongolia; yes, they invaded lots of places over the centuries, but Mongolia wasn't one of them. But this is a Russian film, and they were hardly likely to paint themselves as the villains (plus, the British had the advantage of being "capitalists", which the villains of any Soviet film had to be, of course). Definitely worth seeing.
45 Years, Andrew Haigh (2015, UK). It'll be interesting to see how this film does on sell-through. Hollywood, indeed most Anglophone cinema, seems locked into chasing that young male demographic, as if they're the only people who go to the cinema. But when you make films aimed at one group, you can't be surprised when other groups stay away. But then I suspect older viewers are more likely to watch a new movie on sell-through than they are in the cinema. But are they going to bother doing that for shitty tentpole blockbusters like the MCU films? And are they going to spend money on all the merchandising crap, which isn't there to sell the fillm as much as it is to convince fans that's okay really to like such rubbish since the property is so ubiquitous they can't be considered weird for liking it… Which at least can't be said of 45 Years, which is about a married couple, and the title refers to the time they've been married. But a few days before a planned celebration of the event, the husband receives news that the body of an ex-girlfriend, who fell into a crevasse in a glacier back in the 1960s, has just been discovered… While this all happened before he married, he hasn't been completely honest about what happened with his wife. This is a nice, understated piece, well-played by a high-powered cast. It's already garnered a fistful of award nominations and wins, and deservedly so.
Naqoyqatsi, Godfrey Reggio (2002, USA). This is the third of the Qatsi trilogy, made some twenty years after the previous two films, Koyaanisqatsi and Powaqqatsi. Ironically, it's the one that's dated the most. That's chiefly because at the time it was made CGI was not as high-quality as it is now, and it shows. Not just in the resolution or range of colours of the computer-generated graphics, but also in the imagination on display. Those earlier two films were pure cinematography – of places and people, with no special effects. And they remain as effective today as they did when they were shot. Also to Naqoyqatsi's disadvantage is its subject: technology and war. There's a big emphasis on computer code, modelling and simulations, and virtual reality, which would have felt cyberpunk… if only the film had been released a decade earlier. While the concerns, and subjects, of the first two remain true to this day, much of the technology celebrated, and reviled, in Naqoyqatsi no longer exists. In parts, Naqoyqatsi reminded me of David Blair's Wax, or the Discovery of Television Among the Bees from 1991 (I have a signed copy of the film on VHS somewhere), and in other parts of its two predecessors. I'm glad I picked up the set and so now have all three films… but going for the Blu-rays was probably a bit much. [A]
The Look of Silence, Joshua Oppenheimer (2014, Denmark). This is the follow-up to Oppenheimer's earlier The Act of Killing, and covers pretty much the same topic: the Indonesian slaughter of "communists" during the mid-1960s after the military seized control. The conceit here is that the brother of a man who disappeared during those murders visits some of the killers as an optician examining their eyesight, and quizzing them about it while he does so. There's a telling remark made to camera by one of the men who committed those murders, "Thanks to the Americans for teaching us to hate communists". The fact that most of those killed weren't actually communists is apparently irrelevant. The US made it plain that communists were legitimate targets, and it's not like anyone was going to look too closely when the so-called authorities labelled someone a communist. After all, the US had done exactly the same itself back in the days of HUAC, albeit without the machetes and assault rifles and death toll. Later in The Look of Silence, there's a clip from US network news show from the 1960s, and it pretty much approves of the death and mutilation of the so-called communists. It goes without saying that the events discussed in this film are horrible; and that it's enraging the perpetrators not only survived, but prospered and continue to do so. It's heartbreaking that one survivor's only way to live with it is to consider it all past and gone, life has moved on. Because clearly justice has not prevailed. And it's unlikely to ever do so. It would be all too easy to blame it entirely on the Indonesians, except that would not be strictly true. The West creates these situations and should take responsibility for them – except that would mean admitting they'd done wrong, that the corporations are no longer under control, or that capitalism doesn't actually work.
Evangelion 2.22: You Can (Not) Advance, Hideaki Anno (2009, Japan). It would not be untrue to describe the plot of the Evangelion series as: giant alien creatures called Angels invade Earth (individually) and are fought off by giant cyborg creatures piloted by high school kids. Because, of course, there's so much more than just that going on in there – that would be the Hollywood version. The Angels are these bizarre creatures, looking partly like something drawn by Moebius and partly like some nightmare doll. In Evangelion 2.22, there is now a squad of Evangelions, and the pilot of one is possibly the most irritating American character ever to appear in a film (which is quite an achievement). In fact, the existence of the squad means Evangelion 2.22 is a more action-packed film than Evangelion 1.11: You Are (Not) Alone, although like the first it's parsimonious with the details of its setting, leaving much of the world-building a mystery. For example, it's only on a visit to an aquatic research centre that the film explains that the seas really are red, and why. It's a movie that requires several watchings – although that may simply because I have yet to learn the Way Of Watching Anime. One thing worth noting, however, is Evangelion 2.22's frankly bizarre score, which at times sounds like 1970s jazz/rock fusion – and seems weirdly anachronistic but is actually pretty good. Evangelion 3.33: You Can (Not) Redo is currently available on DVD and Blu-ray, and I'll be picking up a copy. The final film was due for theatrical release in late 2015 but has been delayed. I can wait. [ABC]
Thunder on the Hill, Douglas Sirk (1951, USA). My favourite film was directed by Sirk, and the handful of melodramas he made between 1953 and 1959, such as Magnificient Obsession, Written on the Wind and Imitation of Life, I rate very highly. But he also made a lot of quite frankly ordinary thrillers and dramas for Hollywood throughout the 1940s and 1950s. Thunder on the Hill is one of these. Shot in black and white and set in, of all places, Norfolk, it sees a group of people descend on a convent during a fierce storm. One of these is a convicted murderer, with rescort, on her way to prison, except, of course, she's really innocent. However, the victim's doctor – the murderer's brother – is now doctor at the convent. Guess what happens. Claudette Colbert plays the lead and doesn't make much of an effort toward a British accent; neither, for that matter, does Ann Blyth. Most of the supporting staff are actually British – so you get that odd disconnect where some of the cast clearly can't be the characters they play because they have the wrong accents. This is pretty ordinary and forgettable stuff, and you'd be much better off watching one of Sirk's melodramas.
1001 Movies You Must See Before You Die count: 762
Categories: film review, films, moving pictures 2016 | Tags: andrew haigh, douglas sirk, godfrey reggio, hideaki anno, joshua oppenheimer, vsevelod pudovkin | Permalink.