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ne that actively saves lives daily was funded by charitable donations i m still none too keen that i am paying for an expensive bauble that i stress anecdotally looks for people growing plants however it has since occurred to me that the air ambulance is a marvellous example of important services being provided on a purely voluntary basis without any need for state coercion i m surprised they allow it to continue to be honest from the charities commission website not quite funded entirely from charitable donations i ll admit but that huge whack of trading to raise funds presumably includes voluntarily staffed charity shops selling voluntarily donated goods as well as whatever else they can get people to part with their cash for to buy whatever it is they sell it s a cool flying emergency vehicle so i suppose the possibilities are endless it s a big shining example to stick in the face of whoever gainsays the anarchist or libertarian viewpoint with fears that civil society is unable to provide certain things and that a state of some description is a necessary evil even in the modern world where civil society is massively stunted by public health pensions unemployment benefits and charitable organisations it is still possible for a massively expensive and vital emergency service to be funded on a purely voluntary basis one wonders what else could be achieved in a world where civil society was set free to do good things 3 comments posted in hope tagged kent air ambulance voluntarism a few weeks to encrypt and posted by wh00ps on september 7 2013 and what and shouldn t that be de crypt in vein argh maybe the nsa should offer autocorrect with their spyware 1 comment posted in google police state stupidity technology too much month and not enough market posted by wh00ps on july 27 2013 this was nearly called in which i defend payday lenders but that isn t going to be the main thrust of it there s been a lot of talk recently about payday lending and 6000 aprs and loan sharking and who s fault it is and what s to be done about it and all the rest even in free market anarchist and libertarian circles they seem to be seen as a pretty bad thing and in wider circles earl may as well be riding a pale horse so that 6000 apr well it isn t really is it now i m admitting here that the only payday lender i ve had business with is wonga com but their 6000 apr isn t its a 6000 equivalent apr they actually charge a fixed sum for the loan remember these are payday loans not mortgages they lend you a sum and charge you a fee for doing so the representation of the fee as interest on the loan isn t entirely fair although presumably if you default then you re screwed you borrow a fixed sum and then pay it back plus fee in one go no installments no compound interest no annual so are they a bad thing maybe or perhaps the circumstances that lead to them existing are a bad thing in a way you see what earl and his buddies are actually are at the end of the day is a market response to a gap there is a demand for short term unsecured loans and entrepreneurs have started to satisfy that demand in order to make a profit loanees value 100 today over 110 next week and loaners prefer it the other way around both parties gain from the transaction and everybody wins loaners compete for business keeping fees low and service good and loanees choose who they prefer to deal with so where is the bad side well obviously free adults can get themselves in a mess with payday lenders just as they can with more traditional bank loans credit cards opiates bingo fixed odds betting machines and any number of other things that most people are perfectly able to use wisely and some minority can t handle that isn t really a bad side the bad side is really the circumstances that lead to the niche in the market existing in the first place that gap isn t occurring although the market s response to it is much like the human body s immune response to a foreign object it s caused by distortions too much month and not enough money is the marketing slogan and it is true enough we ve all experienced that feeling wages especially at the lower end of the scale do not cover living expenses plus some for a rainy day and so when the rainy day comes you re basically buggered car breaks down cat gets sick whatever living hand to mouth doesn t leave any room for unpredictable expensive emergencies and that s where the payday loan comes in no i haven t joined the left this isn t turning into a diatribe against greedy businessmen screwing the poor out of a fair living wage that s a nonsense to take that argument to its logical conclusion the infamous greedy businessman would soon run out of a employees and b customers as his employees starved to death and his fellow greedy businessmen s employees stopped buying his produce due to being dead of starvation themselves not generally seen as a state conducive to a bit of shopping labour is a market too that s why we refer to it as a labour market and left to themselves businesses and workers would come to an equilibrium whereby wages and prices allowed even the lowest paid enough money to live on although not luxuriously without artificial distortions this is the only way it can happen as any other methods would be unsustainable if one business cuts its wages relative others it will find it hard to recruit or at least to recruit a competent workforce and if one business raises its prices relative to others then it will find it hard to sell its products so what s all this to do with payday lending well unfortunately we don t have a free market in labour or prices what we have is a market filled with distortion piled on distortion benefit payments to the so called working poor coupled with high unemployment rates allow businesses to get away with paying lower wages than they otherwise would inflation makes prices rise y o y when naturally they would fall making it a harder for people to make ends meet and b easier for businesses to cut wages without workers noticing historically high taxes leech ever more of people s wages zombie businesses stalk the land attracting malinvestment and dependent on government bailout rather than being allowed to fail monopolies duopolies and barriers to entry reduce competition and so on so we have a highly distorted market in which a large number of people find themselves worse off each year than the year before possibly without even realising that they are in fact worse off because their pay cut comes in the form of a below inflation pay rise and subsequently and eventually find their savings depleted or in the young not started at all and cannot dip into them when required clearly people still need money for emergencies and unexpected outlays and that s where payday lenders come in their existence is almost inevitable and to do away with them will not solve the problem it will merely heap another distortion onto the market the need will still exist it will just be served in some other fashion maybe even by the loan sharks on the black market that earl and his buddies get lumped in with leave a comment posted in on zimmerman acquitted posted by wh00ps on july 14 2013 northjersey com zimmerman was acquitted on all counts of the murder and or manslaughter of trayvon martin yesterday i don t want to dwell on the rights and wrongs of the decision as nobody really knows what went down that night apart from those involved and it appears that the jury made the correct decision based on what the laws of that state say certainly the arguments have been done to death in the media in fact the case barely made me want to come out of blogging semi retirement until i read this still there was anger over the verdict we are outraged and heartbroken over today s verdict said benjamin todd jealous president of the n a a c p we stand with trayvon s family and we are called to act we will pursue civil rights charges with the department of justice we will continue to fight for the removal of stand your ground laws in every state and we will not rest until racial profiling in all its forms is outlawed i don t really see the reasoning well i do but i don t see the on the face of it reasoning i get why the naacp would have an issue with racial profiling it s kinda their bread and butter but stand your ground laws i don t really see how conflating the two works logically i mean unless the naacp imagine that black americans are more likely to come off worse than other americans because they are more likely to be robbing people or something but they can t be saying that can they the only other thing i can think of is that the naacp are blindly joining in with the others using this case to further gun control and victim disarmament measures without considering the negative consequences for their own constituency 1 comment posted in divide and rule stupidity tagged gun control trayvon martin zimmerman how far we ve come posted by wh00ps on july 11 2013 my god how far we ve come to think in the past people had to be expected to know themselves how to cope in hot weather thank providence that we have modern technology to save us so all those thousands don t drop dead on the train because they didn t realise they had to drink to survive any more how humanity has avoided extincition until now eludes me but now our survival as a species is assured rejoice leave a comment posted in technology things i see official your life worth less posted by wh00ps on may 15 2013 today interior minister may announced that anyone convicted of killing one of the state s paramilitaries will get an automatic life sentence but only those killing agents of the state if the cattle get killed then the same derisory sentences apply that s you me or your dear old mum a stark illustration of the contempt these people hold us in and they care so little that they just say it out loud some people will probably even applaud the announcement why isn t there an outcry 3 comments posted in police state workplace schemes in chaos posted by wh00ps on february 12 2013 http www independent co uk news uk home news poundland ruling backtowork schemes in disarray as nopay placements judged unlawful 8491398 html i must admit that i m on two minds about this scheme on the one hand as a taxpayer i m in favour of the people i am funding the so called safety net for actually you know looking for work as opposed to the jeremy kyle and special brew option in fact i m not even entirely opposed to those reticent safety netees being forced to look for work or forced to attend workplace schemes to make them more attractive to employers i m also well aware that these schemes well managed can do a lot of good the corner of big retail that i inhabit has had a constant supply of them since they started ruinning the scheme and quite a few have been given permanent jobs as a result in fact at our branch it has become almost a de facto recruitment process allowing the store to take on people we ve seen in action rather than who can bullshit best in an interview and giving employment opportunities to those who may you know be quite good at working in a shop but not terribly good at bullshitting their way through interviews on the other hand it s corporatism pure and simple isn t it i haven t heard of much work placement free labour being sent to sole traders and corner shops the captive forced labour pool and it is forced labour no matter what they claim is at the disposal of big retail big distribution and big whatever else it s another government subsidy for big business 2 comments posted in corporatism imho tagged forced labour workplace placement scary posted by wh00ps on january 27 2013 wired the scottish city of glasgow has won a 24 million grant from the uk s technology strategy board tsb to become britain s first smart city the money will be spent by the council on services for residents that will make the quality of living in the city better glasgow beat 30 other uk cities to the prize projects on the table include real time traffic information apps to check when buses and trains are arriving and a pothole reporting service facial analysis for the city s cctv network and energy use monitoring to make electricity and gas delivery more efficient are also mooted glasgow has some quite extreme challenges it has the lowest life expectancy of any city in the uk for instance and the hope is that if we bring together energy transport public safety and health it will make it more efficient and a better place to live scott cain the tsb s project leader for future cities told the bbc spot the scary part facial analysis for the city s cctv network and energy use monitoring to make electricity and gas delivery more efficient are also mooted jesus leave a comment posted in main stream media manufacturing consent police state tagged big brother i love national scandals posted by wh00ps on january 16 2013 via facebook sorry but that did tickle me leave a comment posted in funny stuff tagged frozen burgers horsemeat tesco post navigation older posts the greatest trick politicians ever achieved was convincing the public that they were incompetent subscribe luddite friendly email subscription option email address i don t like rss join 7 other subscribers follow me on play me on peer through my music collection on friend me on bloggers with me on their rss sidebar in order of me realising where all that traffic s coming from unenlightened commentary soaking the rich beer good dictators bad hipsterism and beer culture clashes encourage immigration evidence against boris johnson s claim that terrorists are literally wankers guest post jessica valenti on why are men always committing terrorism quote of the day quote of the day stupidity edition on not publishing islamic cartoons charlie hebdo man widdecombe an error has occurred the feed is probably down try again later captain ranty fotl i m outta here trust and respect debt and 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