THE CITY Banking RESPONSE FORM TOPIC INDEX
Insurance Financial Services    
  1. The City is the sordid cesspit at the heart of our society, the place where the poisonous filth siphon off our money to finance their disgustingly extravagant lifestyles. We have to get these scum off our backs before they ruin us all. Perhaps Osama Bin Laden can help us. (Sorry, couldn't resist it.)
  2. Some sort of nasty fate needs to be devised for fund managers who get seven figure bonuses although they rarely manage to produce performance better than the main stock market indices and who continue to buy shares with their client's money when the most respected gurus are warning that prices are ridiculous and a crash is imminent.
  3. Nobody should be able to hold shares in individual companies, everybody should have to invest in a single fund which would be split between two or more investment teams competing against each other. The members of the team judged to have had the best performance in any year would be awarded a bonus. Performance would be judged by criteria designed to discourage the short-termism that has been characteristic of The City. The teams would be made up of commercial, academic, industrial and scientific experts, ie. insiders who know what is going on in the various sectors of industry and commerce, some full-time, some part-time.
  4. Effectively The City is a huge casino, most of the activity there is gambling on stocks, shares, currencies, futures, commodities and the Devil knows what else. About the only people who benefit are those who "work" there.
  5. What do the people who work in The City do that merits or justifies the enormous amounts of money they are paid? Buy and sell with a mark-up, that's about all.
  6. Whenever Banks transfer money from one place to another, a simple, routine operation one would think in this electronic age, they seem to feel justified in charging a percentage of the amount of money transferred although it is difficult to see how the amount of labour involved could be proportional to the size of the transaction. In all their operations, takeovers, flotations or whatever The City and financial sector as a whole seem to use the 'percentage of the value of the transaction' trick instead of the cost of the work involved plus a profit margin to make large amounts of money for doing very little. How do they get away with it? It smells.
  7. How much churning goes on, ie the pointless transfer of money from one place to another and round and round in circles so that a charge can be levied for each move?
  8. One of the principle reasons for the unpopularity of Jews is their association with Usury, Banking and vast wealth. When this unpopularity met it's most horrific expression, the rich, who were the most responsible for it, probably escaped; it was the poor and innocent who paid the penalty. This country seems to rely heavily on The City for it's wealth. Could history repeat itself?
  9. Since we import so much and seem to export so little, it appears that many people in this country must be living off overseas investments. They are probably enjoying the good life at the expense of slave labour in mines, factories and on plantations in under-developed countries. This is one of the reasons (the main reason?) why there is such reluctance to cancel third world debt.
  10. The rich are investing money abroad, ie. helping our competitors to destroy our industry and commerce, they don't give a damn about the inability of British workers to earn a living, all they care about is maximising their own unearned income.
  11. If analysed properly, the City is probably a halter around the neck of the rest of the British population, a principal cause of the countries decline into being a land of shopkeepers and small subsidiaries of foreign owned multinationals.
  12. Few people in the City use maths at a higher level than basic arithmetic. Those that do have esoteric skills that might justify particularly high rewards, ie. IT workers, are probably the least well paid.
  13. The City is absorbing talent that should be going into productive organisations.
BANKING     TOP
  1. Bankers are supposed to look after people's money not siphon it off into their own pockets but this is what they have always done.
  2. The banking function is too easily abused and too fundamental to be in the hands of private individuals or commercial companies, it is too easy for them to make vast amounts of money out of it for themselves, ie Baron Rothschild in the 19th century. The present banks should be merged to form two large organisations with close ties to the Bank of England and the state. They should be closely regulated but in competition with one another. The staff of the one that is judged to have performed the best at the end of each year should get a bonus.
  3. The Jewish conquest of Palestine has been financed largely by the American and world wide Jewish banking community (together with considerable help from the US state). One of the main reasons why Jews are so prominent in banking world-wide is that the Christian religion used to forbid charging interest on loans, just as Islam still does, so loans were hard to come by. The Jews had no such scruples and, due to prejudice, were barred from most professions and trades; money-lending was therefore one of the few ways they could make themselves useful, particularly to the rich, and so make a living. They took the opportunity to amass great wealth and hence power which they still seem to weald today.
  4. What do bankers do that is so remarkable or valuable that they merit great wealth? Judge investment risks and decide where to invest customers money? Most of the businesses they invest in have a long history and are similar to countless other businesses so this should be routine rather than rocket science.
  5. They are not properly qualified for investing in new businesses of a novel kind although they might have access to people who are.
  6. Investment in industry should be controlled by people who have expert knowledge of the industry concerned.
  7. This country needs an organisation like Japan's M.I.T.I working in conjunction with business leaders, technology experts and bankers.
INSURANCE     TOP
  1. What is the proportion of insurance premiums that is paid out to meet claims? I suspect it is a small proportion, ie. the insurance industry is very inefficient and we might well be better off without it. A few years ago I read an item in a newspaper about the man then reckoned to be the highest paid person in Britain, his income was said to be some ridiculous figure, £80million pa. I think. He ran a re-insurance business. I wonder if he was cleaned out by the LLoyd's fiasco, I doubt it.
  2. Is insurance really just a mechanism for funnelling large amounts of money into the pockets of ex public school boys?
FINANCIAL SERVICES      
  1. The financial services industry is full of poisonous, bloodsucking, parasitical fraudsters peddling lies and deceptions to finance the Mercs, BMWs and fancy houses they covet. The whole cesspit they inhabit needs to be disposed of.