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Read or Condemn Yourself to Death by Ignorance

For those courageous souls brave enough to look and see what is,

who are unwilling to blindly accept

the lies and rules of tyrannical authority.

Wednesday 23rd January 2019


Hope this finds you fit and well!

Here is a sampling of what crossed my digital desk over the last week.

Laminar Flow

For Those Who Keep Up With US Politics

Stop Corruption

A Guide To A Big Life

BP claims an oil spill off Australia’s coast would be a ’welcome boost’ to local economies

Chemicals used to fight BP spill were ineffective and toxic, study says

Salem Witch Trial

Things That Make You Go Huh?

Why Aren’t We Nice All The Time?

Middle School Reading Lists 100 Years Ago vs. Today

Is Overpersonalisation Killing the Variety and Interest of Your User Experience?

Because I Can!

Behave Like Animals

Banks struggle with bail-in capital requirements; go with Glass-Steagall instead

I hope you get something from it!


Laminar Flow
Laminar Flow

Some really interesting data on flows and illusions.

For Those Who Keep Up With US Politics

I don’t usually indulge in name calling, but I just found this interesting and satirical write up, I think my conservative friends will appreciate it....

A major research institution has just announced the discovery of the densest element yet known to science. The new element has been named Pelosium. The chemical symbol of Pelosium is Pu. Pelosium has one neutron, 12 assistant neutrons, 75 deputy neutrons, and 224 assistant deputy neutrons, giving it an atomic mass of 311. These particles are held together by dark particles called morons, which are surrounded by vast quantities of lepton-like particles called peons.

Pelosium’s mass actually increases over time, as morons randomly interact with various elements in the atmosphere and become assistant deputy neutrons within the Pelosium molecule, leading to the formation of isodopes. This characteristic of moron-promotion leads some scientist to believe that Pelosium is formed whenever morons reach a certain quantity in concentration. This hypothetical quantity is referred to as Critical Morass.

When catalyzed with money, Pelosium activates MSNBCobnoxium and CNNadnausium, both elements that radiate orders of magnitude more energy, albeit as incoherent noise, since they have half as many peons but twice as many morons as Pelosium.

Since it has no electrons, Pelosium is inert. However, it can be detected chemically as it impedes every reaction it comes in contact with. According to the discoverers, a minute amount of Pelosium causes one reaction to take over four days to complete when it would have normally occurred in less than a second. In the presense of anti-morons, Pelosium can be extremely corrosive. Botox seems to distort and smooth it’s surface, without impeding it’s ongoing decay.

Pelosium has a normal half-life of approximately two years, at which time it does not decay, but instead undergoes a transmutation, appearing in a new location but displaying the same properties. In this process, assistant neutrons, vice neutrons and assistant vice neutrons exchange places. Some studies have shown that the atomic mass actually increases after each transmutation.

Research at other laboratories indicates that Pelosium occurs naturally in the atmosphere. It tends to concentrate at certain points such as government agencies, large corporations, universities, and anywhere there is news coverage occurring. It can usually be found in the newest, best appointed, and best maintained buildings.

Scientists point out that Pelosium is known to be toxic at any level of concentration and can easily destroy any productive reaction where it is allowed to accumulate. Attempts are being made to determine how Pelosium can be controlled to prevent irreversible damage, but results to date are not promising.

Stop Corruption
Stop Corruption

A Guide To A Big Life
A Guide To A Big Life

Isn’t this just a GREAT idea? Imagine what a world we would have if a generation of kids grew up confident, competent, intelligent, ethical, compassionate and sane?

BP claims an oil spill off Australia’s coast would be a ’welcome boost’ to local economies
Oil Spill Fire

Coastal towns would benefit from an oil spill in the pristine Great Australian Bight because the clean up would boost their economies, energy giant BP has claimed as part of its controversial bid to drill in the sensitive marine zone.

This is ethically bankrupt and environmentally insane!

They should never be allowed near our oil reserves! Or anyone else’s for that matter!

Chemicals used to fight BP spill were ineffective and toxic, study says
Oil Spill

The undersea use of chemical dispersants during the 2010 Deepwater Horizon oil disaster likely did more harm than good, a new study says.

Salem Witch Trial
Salem Witch Trial

One of my friends told me about a powerful lesson in her daughter’s high school class this winter. They’re learning about the Salem Witch Trials, and their teacher told them they were going to play a game.

“I’m going to come around and whisper to each of you whether you’re a witch or a normal person. Your goal is to build the largest group possible that does NOT have a witch in it. At the end, any group found to include a witch gets a failing grade.”

The teens dove into grilling each other. One fairly large group formed, but most of the students broke into small, exclusive groups, turning away anyone they thought gave off even a hint of guilt.

“Okay,” the teacher said. “You’ve got your groups. Time to find out which ones fail. All witches, please raise your hands.”

No one raised a hand.

The kids were confused and told him he’d messed up the game.

“Did I? Was anyone in Salem an actual witch? Or did everyone just believe what they’d been told?”

And that is how you teach kids how easy it is to divide a community.

Keep being welcoming, beautiful people. Shunning, scapegoating and dividing destroy far more than they protect. We’re all in this together.

Things That Make You Go Huh?
Things That Make You Go Huh?

Why Aren't We Nice All The Time?
Why Aren't We Nice All The Time

Middle School Reading Lists 100 Years Ago vs. Today
Old Books

An excellent analysis of the calibre of year 7 and 8 reading materials from 100 years ago compared to today.

Is Overpersonalisation Killing the Variety and Interest of Your User Experience?

One user even noted that because the content was boring she continued to scroll looking for something that was interesting, “I don't find anything interesting on Facebook tonight but what's funny is that I will keep scrolling until I do; it's addicting.” This behavior is related to the Vortex phenomenon, which refers to people feeling sucked into the online world almost against their will through sticky design techniques (like continuous content feeds). Users seek the emotional payoff they get from a good piece of content. In these cases, the phone turns into a mini slot machine: they keep pulling the lever coming across dozens of losers in hopes of finally getting a winner.

Because I Can!
Because I Can!

I should do more of this!

Behave Like Animals
Behave Like Animals

And tie on signs with twine so as to do less harm to the trees.

Banks struggle with bail-in capital requirements; go with Glass-Steagall instead

The farce of bail-in is playing out in Australia right now, with the banks complaining to the regulator that they can no longer find suckers to buy the bail-in bonds that are supposed to be their buffer against a crash.

It’s the latest example of why the whole bail-in system should be scrapped, in favour of Glass-Steagall laws that keep deposit-taking banks safe by separating them from risky investment banking and other financial services.

Bail-in is the scheme concocted by the Bank of England following the 2008 banking crash, and implemented through the Bank for International Settlements (BIS) and Financial Stability Board (FSB) based in Basel, Switzerland. Stripped of all of the confusing technicalities, their plan amounts to protecting banks from crashes by increasing their capital buffer against losses, instead of requiring them to stop the reckless financial gambling that causes crises in the first place. The buffer is called Total Loss-Absorbing Capacity (TLAC), at the centre of which are pernicious instruments known as “bail-in bonds”—hybrid securities that are sold as tempting, high-interest bonds, but which, when a bank runs into trouble, convert into effectively worthless shares in the bank.

Bail-in also includes deposits, which the FSB mandates can be written off or converted to shares to save a failing bank. The bail-in systems legislated in the USA, Europe, UK, New Zealand and Canada all include deposits in a bail-in; the Australian government snuck bail-in legislation through Parliament in February 2018, which they denied includes deposits, but which has loopholes big enough to drive a truck through that in an emergency can allow deposits to be bailed in. However, the government doesn’t deny that its legislation includes bail-in bonds.


On 8 November 2018, the bank regulator, Australian Prudential Regulation Authority (APRA), issued a paper that said the banks should raise $75 billion in extra TLAC capital by selling more so-called “Tier II” bonds, a.k.a. bail-in bonds.

On 14 January, Jonathan Shapiro reported in the Australian Financial Review that in their responses to the paper the banks asked APRA to reconsider the plan, because it would be too difficult to sell bail-in bonds in the current market.

Shapiro reported: “Westpac treasurer Curt Zuber said he supported the APRA proposal to build a large buffer in the form of Tier II capital in principle but said the global fixed income market had moved away from buying Tier II bonds. ’As we go through cycles, it is potentially problematic for the banks to get the volumes they need in an economic way for the system which allows for the balance we want to achieve,’ he said.”

This is a major admission, which reflects the growing concern that the financial system is in danger of another crash. With APRA’s encouragement, Australia’s banks were able to sell around $100 billion worth of bail-in bonds over the last 6-7 years. These bonds were very tempting to investors, for two reasons. First, they carried interest rates of up to 8 per cent, offering unbelievably good returns in the post-GFC low-interest environment.

Second, and more importantly, the investors assumed that because the bonds were being issued by Australia’s major banks, which were touted as the strongest in the world, there was no risk that they would be bailed in. That’s assuming they were even aware that these hybrid bonds could be bailed in. While the Bank of England, for instance, forbade British banks from selling bail-in bonds to retail investors, so-called mums and dads, on the basis that they might not understand their full risks, APRA allowed Australia’s banks to aggressively target mum-and-dad investors, to whom they sold bail-in bonds amounting to $43 billion.

The Citizens Electoral Council was the first to warn investors that, contrary to their propaganda, Australia’s banks weren’t safe, and that they were being set up to wear the banks’ losses. In an 8 July 2016 release headlined “Warning to Australian investors: Beware hybrid securities, a.k.a. ’bail-in’ bonds!”, the CEC warned:

“Australia’s big banks are careening along a cliff’s edge at breakneck speeds with ordinary investors strapped to their bumpers as human shock absorbers. Bank regulator APRA is allowing the big banks to sell to unsuspecting Australian investors products that are illegal for banks in other countries to sell to anyone but other financial institutions.”

On 26 October 2017, Greg Medcraft, the outgoing boss of the Australian Securities and Investments Commission (ASIC), warned in testimony to the Senate that bail-in bonds sold to mum-and-dad investors were “a ticking time bomb”. Medcraft said most investors would not believe that they would be bailed in, but, he emphasised, “Yes, they’ll be bailed in. … Basically, they can be wiped out—there’s no default; just through the stroke of a pen they can be written off. For retail investors … these are very worrying. They are banned in the United Kingdom for sale to retail. I am very concerned that people don’t understand….”

Now, following the revelations of the Hayne Banking Royal Commission and with property prices plunging, the banks are effectively admitting that the market has less confidence in them—there aren’t as many suckers willing to be human shock absorbers. Investors are more aware that if they buy bail-in bonds, there is a very real danger they will be bailed in.


It is past time that we end this farce of bail-in, which is nothing more than a scam to prop up banks’ gambling debts with their customers’ and investors’ savings, and instead impose real restrictions on financial gambling. And that means breaking up the banks along the Glass-Steagall division of commercial banks from investment banking and other financial services.

Glass-Steagall works! It protected the USA’s banks from systemic crises while it was in force from 1933 to 1999, and it’s what Australia needs to protect the people from the risks building up in our banking system. Whether or not the Hayne royal commission’s final report due 1 February recommends it, the CEC has legislation in Parliament ready to go, the Banking System Reform (Separation of Banks) Bill 2018, that will do the job.

What you can do

Phone, email or write to your Member of Parliament to demand they:

Break up the banks, by passing Banking System Reform (Separation of Banks) Bill 2018.
Audit the Big Four banks, using the Auditor-General, to assess the risk of a banking crash.


Until next time,
dream big dreams,
plan out how to achieve them,
be continually executing your plans,
enlist people to your causes,
travel and/or read widely, preferably both,
all the while observing what you observe
rather than thinking what you are told to think,
think well of your fellow man,
take time to help your fellow man,
he sorely needs it and it will help you too,
eat food that is good for your body,
exercise your body,
take time to destress,
and do the important things
that make a difference -
they are rarely the urgent ones!



Most of the content herein has been copied from someone else. Especially the images. My goodness some people are talented at creating aesthetics! The small bits that are of my creation are Copyright 2014-2018 © by Tom Grimshaw - ALL RIGHTS RESERVED.

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