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Showing posts with label charity. Show all posts
Showing posts with label charity. Show all posts

Friday, 4 July 2014

Save a tiger.

In my last post, Ban it, ban it, I wrote about the abuse of telemarketing on the old and vulnerable.

I also have issues with the various charities that deluge the old and vulnerable with requests for small amounts of money (Why is it always £3?). Of course after they have donated they are then submitted to numerous telephone calls entreating them to up their subscription.

I myself subscribe to a few charities and I have informed them at length that I will cancel my subscriptions if I’m pestered in future.

If they’re that hard up for money then I suggest that they sack their call centre staff and sell the building they’re housed in.

Thursday, 28 February 2013

I admit it, I’m a banker

Sort of.

I left a link in a post to ZOPA.
Here’s what it does

Zopa is a marketplace for peer-to-peer lending. People lend and borrow money with each other, sidestepping the banks.

Peer-to-peer lending is a smarter, fairer and more human way of doing money. It's like borrowing and lending with your friends and family - except there are thousands of people you can lend and borrow with.
Both lenders and borrowers get better rates, because peer-to-peer lending is more efficient than the traditional banking model. Banks have massive overheads, with thousands of employees to pay and hundreds of branches to maintain. So they have to take large margins on the money that passes through them.
There's no smoke and mirrors here. Banks use your money to make even more money for themselves. They lend some of it out, gamble some of it on the price of tin or the Yen depreciating, and invest the rest in any other money-making schemes they can think of.

Now I’m a lender. To put it short and sweet, I put in, lets say £1000, and Zopa lends it out to a hundred borrowers at £10 each to minimise my risk.
Of course theirs always risk of someone defaulting. However looking at my defaulters today has given me an insight on how the habits of people have changed since the credit crunch of 2008.
image
Sorry about the poor image.

As you can see in 2009 there was only one default, but in 2010 there was a whopping 18. Then just three in 2011.
My take on it is that a lot of people struggled on and finally admitted defeat in 2010 with just a few managing to hold on till 2011.
I think that people have now pruned back their expenditure and are now balancing their expenditure against their income. I did expect quite a few defaults as quite a few borrowers reasons were “Consolidate existing debts”.

The only hope I can give from the figures above is that we have moved from the “I want it now society” into a more realistic “I’ll buy it when I’ve saved up for it” society. Just like it used to to be in Sensible Britain of the past.

At the moment in the “A” market I’m currently lending at 6%, but of course I don’t get a return of 6%. I have to pay a fee of 0.5% to Zopa and I also have to factor in a 1% default ratio. This gives me a pre-tax return of 4.5%.
If you try to get a loan from Natwest for a £1000 for instance, you will be charged a whopping 22.9% for the privilege.
.
So I can’t be an evil banker really. I don’t really make much myself, and help others in need. Maybe I should register myself as a charity!

*Everyone else seems to be able to.*


Monday, 25 February 2013

Cease and desist.

I’m talking about you, Charities.

You should stop deluging old and vulnerable people, such as my Mum in law, with an endless bombardment of telephone calls and letters asking her for money and implying that she is heartlessly, single handedly, killing children in the third world. Oh and Tigers as well.

Your constant bombardment is now turning her to decide not to give anything to anyone of you.

Personally I refuse to give to any charity that pesters me on the phone or by letter. I prefer to give to charities that don’t waste their donations on TV adverts, unsolicited phone calls, and mail shots. If they’re that good then they shouldn’t need to indulge in this sheer waste of their donation money.

So I’m off out tomorrow to buy MIL an industrial strength shredder for starters and then sign her up to the Telephone Preference Service and the Mailing preference service.

Oh and before someone says that I’m a heartless bastard that doesn’t care about the third world or children (We have to think perpetually about the Cheeeeldren), I’ve seen how some of the charities work in the third world.Ooverpaid and absolutely useless.

One Example:

Various charities had been in Angola for five years. A sewage plant had been inoperative for twenty years. Disease was rife in the region and nothing was done by the NGO’s. It took myself and a contingent of Royal Engineers, TEN days to get it operational. (Blowing own trumpet, SORRY).

The moral is choose, who you give to, wisely.

Thursday, 4 November 2010

UK PLC saved by a Charity?

 

money

I came across this at another Blog and thought it was worth reprinting.

An Excerpt from Hansard on the 1st November 2010. Very strange.

By Lord James of Blackheath.

For the past 20 weeks I have been engaged in a very strange dialogue with the two noble Lords, in the course of which I have been trying to bring to their attention the willing availability of a strange organisation which wishes to make a great deal of money available to assist the recovery of the economy in this country. For want of a better name, I shall call it foundation X. That is not its real name, but it will do for the moment. Foundation X was introduced to me 20 weeks ago last week by an eminent City firm, which is FSA controlled. Its chairman came to me and said, "We have this extraordinary request to assist in a major financial reconstruction. It is megabucks, but we need your help to assist us in understanding whether this business is legitimate". I had the biggest put down of my life from my noble friend Lord Strathclyde when I told him this story. He said, "Why you? You're not important enough to have the answer to a question like that". He is quite right, I am not important enough, but the answer to the next question was, "You haven't got the experience for it". Yes I do. I have had one of the biggest experiences in the laundering of terrorist money and funny money that anyone has had in the City. I have handled billions of pounds of terrorist money.

Baroness Hollis of Heigham: Where did it go to?

Lord James of Blackheath: Not into my pocket. My biggest terrorist client was the IRA and I am pleased to say that I managed to write off more than £1 billion of its money. I have also had extensive connections with north African terrorists, but that was of a far nastier nature, and I do not want to talk about that because it is still a security issue. I hasten to add that it is no good getting the police in, because I shall immediately call the Bank of England as my defence witness, given that it put me in to deal with these problems.

The point is that when I was in the course of doing this strange activity, I had an interesting set of phone numbers and references that I could go to for help when I needed it. So people in the City have known that if they want to check out anything that looks at all odd, they can come to me and I can press a few phone numbers to obtain a reference. The City firm came to me and asked whether I could get a reference and a clearance on foundation X. For 20 weeks, I have been endeavouring to do that. I have come to the absolute conclusion that foundation X is completely genuine and sincere and that it directly wishes to make the United Kingdom one of the principal points that it will use to disseminate its extraordinarily great wealth into the world at this present moment, as part of an attempt to seek the recovery of the global economy.

1 Nov 2010 : Column 1539

I made the phone call to my noble friend Lord Strathclyde on a Sunday afternoon-I think he was sitting on his lawn, poor man-and he did the quickest ball pass that I have ever witnessed. If England can do anything like it at Twickenham on Saturday, we will have a chance against the All Blacks. The next think I knew, I had my noble friend Lord Sassoon on the phone. From the outset, he took the proper defensive attitude of total scepticism, and said, "This cannot possibly be right". During the following weeks, my noble friend said, "Go and talk to the Bank of England". So I phoned the governor and asked whether he could check this out for me. After about three days, he came back and said, "You can get lost. I'm not touching this with a bargepole; it is far too difficult. Take it back to the Treasury". So I did. Within another day, my noble friend Lord Sassoon had come back and said, "This is rubbish. It can't possibly be right". I said, "I am going to work more on it". Then I brought one of the senior executives from foundation X to meet my noble friend Lord Strathclyde. I have to say that, as first dates go, it was not a great success. Neither of them ended up by inviting the other out for a coffee or drink at the end of the evening, and they did not exchange telephone numbers in order to follow up the meeting.

I found myself between a rock and a hard place that were totally paranoid about each other, because the foundation X people have an amazing obsession with their own security. They expect to be contacted only by someone equal to head of state status or someone with an international security rating equal to the top six people in the world. This is a strange situation. My noble friends Lord Sassoon and Lord Strathclyde both came up with what should have been an absolute killer argument as to why this could not be true and that we should forget it. My noble friend Lord Sassoon's argument was that these people claimed to have evidence that last year they had lodged £5 billion with British banks. They gave transfer dates and the details of these transfers. As my noble friend Lord Sassoon, said, if that were true it would stick out like a sore thumb. You could not have £5 billion popping out of a bank account without it disrupting the balance sheet completely. But I remember that at about the same time as those transfers were being made the noble Lord, Lord Myners, was indulging in his game of rearranging the deckchairs on the Titanic of the British banking community. If he had three banks at that time, which had had, say, a deficiency of £1.5 million each, then you would pretty well have absorbed the entire £5 billion, and you would not have had the sore thumb stick out at that time; you would have taken £1.5 billion into each of three banks and you would have absorbed the lot. That would be a logical explanation-I do not know.

My noble friend Lord Strathclyde came up with a very different argument. He said that this cannot be right because these people said at the meeting with him that they were still effectively on the gold standard from back in the 1920s and that their entire currency holdings throughout the world, which were very large, were backed by bullion. My noble friend Lord Strathclyde came back and said to me that he had an analyst working on it and that this had to be stuff and nonsense. He said that they had come up with a figure .


1 Nov 2010 : Column 1540
for the amount of bullion that would be needed to cover their currency reserves, as claimed, which would be more than the entire value of bullion that had ever been mined in the history of the world. I am sorry but my noble friend Lord Strathclyde is wrong; his analysts are wrong. He had tapped into the sources that are available and there is only one definitive source for the amount of bullion that has ever been taken from the earth's crust. That was a National Geographic magazine article 12 years ago. Whatever figure it was that was quoted was then quoted again on six other sites on the internet-on Google. Everyone is quoting one original source; there is no other confirming authority. But if you tap into the Vatican accounts-of the Vatican bank-you come up with a claim of total bullion-

Lord De Mauley: The noble Lord is into his fifteenth minute. I wonder whether he can draw his remarks to a conclusion.

Lord James of Blackheath: The total value of the Vatican bank reserves would claim to be more than the entire value of gold ever mined in the history of the world. My point on all of this is that we have not proven any of this. Foundation X is saying at this moment that it is prepared to put up the entire £5 billion for the funding of the three Is recreation; the British Government can have the entire independent management and control of it-foundation X does not want anything to do with it; there will be no interest charged; and, by the way, if the British Government would like it as well, if it will help, it will be prepared to put up money for funding hospitals, schools, the building of Crossrail immediately with £17 billion transfer by Christmas, if requested, and all these other things. These things can be done, if wished, but a senior member of the Government has to accept the invitation to a phone call to the chairman of foundation X-and then we can get into business. This is too big an issue. I am just an ageing, obsessive old Peer and I am easily dispensable, but getting to the truth is not. We need to know what really is happening here. We must find out the truth of this situation.

10.54 pm end of statement.

How very strange. is that smarmy nice Mr Cameron aware of this? Or is it the ramblings of an aged Lord?

James attracted the attention of conspiracy theorists after a speech in the House of Lords on November 1, 2010, in which he states that he has laundered "billions of pounds of terrorist money" and claimed to have been asked to investigate an unnamed organization that wants to fund massive public works projects in the UK with vast currency reserves backed by gold bullion.  A Labour party staff member and political blogger who wrote about the story[7] speculated that the organization in question is the Office of International Treasury Control

Could be the makings of the greatest scam of all time. Who are the OITC, if they exist at all? And why would they be so philanthropic?

H/T to Charlie

Monday, 8 March 2010

ASH v Forest

This hideous woman, Deborah Arnott has the temerity to state that Forest is funded by Big tobacco. What she doesn't let the viewer know is that ASH is in the main, funded as a lobby group by the government, and by Big Pharma.

The figures for Ash's funds over at the Fake Charities site are as follows.

Its 2008/09 accounts show a total income of £742,562, of which:

  • Department of Health: £142,000
  • ---
  • Total £142,000 (19.1% of all income)

The remainder of its income comes from ASH International (part-funded by Pfizer), and supporting charities, principally Cancer Research UK and the British Heart Foundation.

It received just £4,975 in voluntary donations from the public, plus a £10,000 legacy.

Surely if the public were so against smoking the private donations would be flooding in.

Amazingly Smokers and anti smokers were able to collect twice as much in the campaign to free the Publican Nick Hogan. IN 4 DAYS.

Put that in your pipe and smoke it, you overpaid Harridan.

Sunday, 17 January 2010

Bribo laptop offer is now a charity appeal for the Haitian disaster

I link here to the spoof Ebay advert which is now advertising a good cause. Donate if you wish.

Thursday, 27 August 2009

Ash at it again

Scientists Examine ASH Smoking Claims

On its website, Action on Smoking and Health makes a number of claims regarding smoking, including that the very breath and smell of smokers, even when they are not smoking, can be extremely hazardous to people's health.

E Cigarette Direct asked three respected Professors of Medicine to examine these claims.

ASH's Health Claims | Professor Brad Rodu | Professor Michael Siegel | Professor Carl Phillips

ASH.org's Health Claims

1. 30 minutes of exposure to drifting tobacco smoke can trigger a fatal heart attack.

ASH states that: "...someone else’s smoke can kill you if even if you can barely smell it, and even if you can’t smell it."

2. E Cigarettes pose dangers for both smokers and non-smokers.

According to ASH, electronic cigarettes are dangerous both for smokers and non-smokers.

3. Third hand smoke can pose serious risks for non-smokers.

Proven or not, this claim has been used to:

4. Smoker's breath can be harmful to health, especially to children, the elderly and those especially sensitive to many chemicals.

John Banzhaf says:

"We've always known that a smoker's breath stinks. Now we know that it also creates indoor air pollution which can harm children and perhaps some adults."

Scientist's Responses to ASH

Professor Brad Rodu

Brad Rodu is a Professor of Medicine at the University of Louiseville, and holds an endowed chair in Tobacco Harm Reduction Research. He also runs the Tobacco Truth Blog.

Quite simply, these statements are either gross exaggeration or pure fiction.

With respect to exposure to second hand smoke, it is true that it can initiate some subtle changes in blood chemistry and other factors, but it is a specious exaggeration to claim that it causes heart attacks. There is a general consensus that the important risk factors for heart attacks are primary smoking, diet, high cholesterol and triglyceride levels, low physical activity, hypertension and family history. Compared with these, brief exposure to secondhand smoke is insignificant.

The ASH statement about e-cigarettes is wishful thinking. With respect to smokers, there is substantial and compelling scientific research documenting that consuming the ingredients in e-cigarettes (nicotine, propylene glycol, water and flavors) is vastly safer than burning tobacco and inhaling 3000+ toxic by-products. Claiming that e-cigarettes are dangerous for non-smokers is about as credible as claiming that air travel is dangerous for people who never set foot in an airplane.

Third hand smoke is an invention by Harvard University anti-tobacco extremists; it consists of “breathing air today in a room or car where people smoked yesterday.” The Harvard extremists collected “evidence” for the dangers of third hand smoke, which were the survey responses from 1,500 non-scientists from the U.S. who believe that it can harm babies and children. Third hand smoke has as much scientific credibility, and carries about as much risk, as third hand rain.

John Banzhaf’s comments about the harm related to smokers’ breath has no medical rationale, but it is an excellent example of the increasing marginalization of smokers using pseudoscience. Extending Banzhaf’s logic, non-garlic eaters may be able to absorb the possible health benefits of garlic by moving into the vicinity of garlic aficionados.

Also see Professor Brad Rodu's letter to E Cigarette Direct.

Professor Michael Siegel

Formerly a physician who specialised in preventative medicine, Professor Michael Siegel is now a Professor in the Social and Behavioral Sciences Department, Boston University School of Public Health. Michael also has 20 years experience in Tobacco Control, primarily in the field of research, and runs the Tobacco Analysis Blog.

1. 30 minutes of exposure to drifting tobacco smoke can trigger a fatal heart attack.

It may be true, on theoretical grounds, that 30 minutes of tobacco smoke exposure could trigger a fatal heart attack, but this would only be the case for individuals with severe pre-existing heart disease. A healthy person is not going to die from a heart attack due to 30 minutes of secondhand smoke. ASH makes no attempt to qualify its statement. Even worse, ASH gets even more specific in its claim, asserting that the risk of a fatal heart attack in a nonsmoker exposed for 30 minutes is the same as that of an active smoker. This latter claim is factually inaccurate.

2. E Cigarettes pose dangers for both smokers and non-smokers.

There is no existing evidence that e-cigarettes pose a risk for nonsmokers. The nicotine exposure from the exhaled vapor produced the the vapor is likely to be extremely small and there is no reason to think that it poses a danger for nonsmokers. But there certainly is no evidence to suggest that it poses a hazard.

3. Third hand smoke can pose serious risks for non-smokers.

While there is evidence that there are detectable levels of tobacco smoke constituents in exhaled tobacco smoke of smokers after they have finished smoking and on surfaces in rooms after smoking has been completed, there is no evidence that the levels are high enough to cause demonstrable harm to most individuals. The only potential side effect is likely an adverse response among individuals who are exquisitely sensitive to tobacco smoke.

4. Smoker's breath can be harmful to health, especially to children, the elderly and those especially sensitive to many chemicals: "We've always known that a smoker's breath stinks. Now we know that it also creates indoor air pollution which can harm children and perhaps some adults."

As above: There is no evidence that the levels of exposure to tobacco smoke constituents are high enough to cause any problem. The only potential problem could be an adverse response among individuals who are exquisitely sensitive to tobacco smoke.

Note - You can also read our interview with Professor Michael Siegel.

Professor Carl Phillips

Carl V Phillips is Associate Professor at the University of Alberta School of Public Health, where he publishes the TobaccoHarmReduction.org website that provides educational and research information. Much of his work focuses on scientific epistemology, and he recently started the epiereview.com project to help improve the quality of public health science publishing.

First, as an overview, all four of these statements are clear examples of a phenomenon that we have documented in several of our studies: Most major anti-tobacco (and now also anti-e-cig) political actors, including those who are (mistakenly) trusted by the public, demonstrate a willingness to make whatever pseudo-scientific claims they think will further their worldly goals, regardless of the whether they are true, apparently unconcerned with the damage that such claims do to people and to science itself. I have written about this.

1,3,4 on the list are out-and-out scientifically false in the sense that there is no evidence to support them. That is, these are epidemiological claims (claims about actual human health effects) but there is absolutely no epidemiological evidence that supports the claim.

If they had made claims about "detectable levels of chemicals that are known to cause...." or something like that, as many others have, it would be a different kind of lie -- an attempt to take advantage of scientific ignorance to be dishonest without actually making an explicitly false statement.

But given that purely speculative epidemiologic claims were stated as if they were facts, this has to be seen as explicit falsehood. Keep in mind that a scientific hypothesis about a phenomenon needs to be supported before it can be claimed as true; simply finding some reason to propose a particular hypothesis (e.g., a particular exposure might be harmful because there are tiny quantities of some chemical) and then declaring it to be true without evidence is not just unethical - it also damages the public's ability to make sense of science.

Again, these people try to take advantage of scientific ignorance to claim whatever strikes them as expedient without regard to the science. Points 3 and 4 are particularly absurd since the "study" that gets cited as the basis for saying "third hand smoke" is harmful was actually an unethical push-poll that manipulated lay people into saying they feared the effects. This obviously offers no useful information at all.

Point 2 is a bit more complicated of a lie.

Since the claim is juxtaposed with discussions of ETS, it is a clear attempt to imply that the spillover from e-cigs is just as bad as people think ETS is. This is obviously false, since ETS is not even as bad as people think ETS is, and e-cig vapor is, beyond much doubt at all, less harmful still.

It is conceivable that e-cig vapor poses some small risk, but this is speculative since there is no epidemiology and not even any chemistry/physiology to support it.

The claim that the trivial amount of nicotine in the vapor would be much of a risk seems ridiculously far-fetched. That said, the headline statement is literally true if we consider the risk to children of certain e-cig products that are contact poison or swallowing risks.

Of course, referring to such risks (which should be reduced through product engineering!) to try to trick readers into thinking that there is a substantial externality from the vapor is clearly a lie.

What do you think?


H/T to "Freedom to choose"

Friday, 30 January 2009

Headline: Sailor to firebomb government sponsored charity

But the old sea shanty What Shall We Do With The Drunken Sailor? may finally be sunk by a broadside from the good ship Political Correctness.

The government-funded charity Bookstart, which promotes reading for children around the country, has changed the lyrics to remove any reference to alcohol.

http://www.dailymail.co.uk/news/article-1131709/What-shall-Grumpy-Pirate-PC-childrens-charity-sobers-Drunken-Sailor-nursery-rhyme.html


Why can't they keep their noses out of things they'll never understand? I've always been a drunken sailor. Since when have pirates been grumpy?

In fact this so-called charity, Bookstart, are making out, that these murdering, scum of the seas, (Pirates in case you get confused), are just a little bit upset.

I presume that to guarantee the tax free government handout, they are towing the anti drinking propaganda line now being peddled.

They can fuck off. I shall pour myself a stiff one to calm down.