Category Archives: 3 The World of Money

Impeachment 3.0

…part of the problem is that we think its about the election.
It’s not.
It’s simple. He betrayed a US citizen. He connived with the head of state of a foreign country against a US citizen. Could’ve been anyone. Could be you, one day, Mitch. No, it’s not good. I don’t want to be in that gang, whoever they are whatever they stand for. Lethal.

Of course Mitch knows his gang’s days are numbered. And that’s why he’s twisting it for all it’s worth. He’s old. Maybe he’ll last a decade or so. But that’s the maximum widow in which system breakdown will result in chaos.

America is only one example of where system transition is burgeoning to break out.

People like Mitch choose how it happens. He’s chosen the volatile path.
People put up with the boot on their neck up to a point. And the inmates outnumber the wardens, Mitch.

So if you want to do the right thing the right way, point out that The Impeachment Story is not about politics, not about the upcoming Presidential election.

No. It’s not about that.

It’s simple. He betrayed a US citizen. He connived with the head of state of a foreign country against a US citizen. Could’ve been anyone. Could be you, one day, Mitch. No, it’s not good. I don’t want to be in that gang, whoever they are whatever they stand for. Lethal.

And there are loads of people like that around the world dividing one against another. They are lethal. And they are dividing us all with violent rhetoric.

Shame really.

We could choose another path. But we haven’t so far. And the signs have been thick and strong since 4 April 1968.

Time for you to change course, dear reader? Even if the system hasn’t, yet.

Unplanned and Unexpected – A Vision of the Future

Life’s journey has no beginning or end yet events, like seasons and birthdays, mark its progress. So, in anticipation of astraea turning 20, and to say “thank you” to all the people who had helped us along the way, we thought about having an exposition of our work and a party.

Many people around the world have helped and supported us, so, while we would gather here at Ballin Temple, we wanted to share with everyone who couldn’t come. We planned to broadcast the event on the web.

We planned to share a broad, experiential perspective on our adventure over the past two decades. We’d give a walk around the vegetable plots, tool shed and so on offering little demos such as digging, harvesting, chainsawing, splitting logs and so on. Then we’d have a chat in The Tent on big picture perspectives like holonics, metaphysical dynamics, money, nature, consciousness and more. Followed by “tea” and chat (to include drinks, snacks and music).

Continue reading Unplanned and Unexpected – A Vision of the Future

Speaking Truth To Power

Be aware.

In a couple of minutes you can hear what is wrong and how we can change to save ourselves from our most primitive instincts, like fear and greed.

“The real power belongs to the people.”

Transcript:

“My name is Greta Thunberg. I am 15 years old. I am from Sweden. I speak on behalf of Climate Justice Now. Many people say that Sweden is just a small country and it doesn’t matter what we do. But I’ve learned you are never too small to make a difference. And if a few children can get headlines all over the world just by not going to school, then imagine what we could all do together if we really wanted to.

But to do that, we have to speak clearly, no matter how uncomfortable that may be. You only speak of green eternal economic growth because you are too scared of being unpopular. You only talk about moving forward with the same bad ideas that got us into this mess, even when the only sensible thing to do is pull the emergency brake. You are not mature enough to tell it like is. Even that burden you leave to us children. But I don’t care about being popular. I care about climate justice and the living planet. Our civilization is being sacrificed for the opportunity of a very small number of people to continue making enormous amounts of money. Our biosphere is being sacrificed so that rich people in countries like mine can live in luxury. It is the sufferings of the many which pay for the luxuries of the few.

Continue reading Speaking Truth To Power

How to Invest in Stocks

The Efficient Frontier
Optimal returns, for a given risk level, are on the efficient frontier – a statistical fact demonstrable by financial engineers. A market portfolio, or the index, is on this frontier,

It has long been known by investment analysts that optimising risk and return (which is their job) is achieved by tracking the market.  Experienced managers, analysts and data all consistently say that, if you want to invest in the stock market buy the index.  And hold it.

Young bucks, and old, would like to beat the market.  Some might do so for a limited time period.  But no one has consistently done so.  Why?  Because to beat the market you have to consistently do better than everyone else.  That is cocky and statistically very unlikely.

The opportunity to make better bets than everyone else has declined in recent years as computerised portfolio management and trading has grown and index investing has become the principal approach of behemoths which control sizeable fraction of global share trading, like BlackRock.

In addition, some data suggests that taking higher risks can in fact lower your expected return, as appeared to happen in the 2000s.  We are now 9 years into a bull market with little regulatory reform, growing political uncertainty and upward pressure on interest rates (which might attract capital from equities to debt).

Absoulte Portfolios Over Time
The return to risk shrunk as the financial bubble of the early 2000s grew.

The people who beat the market are the ones who take fees (from you) for handling money, or have inside information.

There are reasons to choose a narrower portfolio of listed equities. You might want to restrict your investment to a country, region or industry, or avoid places or sectors.  But to try to pick stocks requires a consistent focus and adaptability.  If you are going to do it yourself, fine.  But if you are paying someone else, they generally have an incentive to take risks with your money that they mightn’t with their own.  And of course their fees eat in to your capital.

So, simply, if you wish to diversify your savings beyond property (your home usually) or debt (bank deposits etc) by putting some in the stock market be careful not to be blinded by the attraction of “expected return” ignoring the danger of risk, and the cost of fees.  So buy a low load (i.e. low fees), index (i.e. market tracking) fund.

(If you wish to use your capital to make a difference you might consider directly investing in small businesses.  This has become more accessible with crowd funding opportunities.  Or you might invest directly in a local business or a sector for which you have a passion, for example Green, Ethical, Socially Responsible businesses.  But all of these options demand more care (“due diligence”) and should be approached with awareness that you can loose all of your investment, and sometimes more if you sign up for that. )

And remember, most people make money by working, not gambling.  Gambling is more likely to break your fortune than make it.

The following article by The Economist (11 June 2016) offers further insight. Continue reading How to Invest in Stocks