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Transfinancial Economics
Project by Robert Searle
Transfinancial Economics (TFE) is an evolving project nearing basic completion. It should be said that there has been a degree of interest in it from a number of people with economic backgrounds such as Warren Mosler, Andy Dennis, Stephen Monrad, David Axelrod, Trond Andresen (cybernetics expert), Prem Sikka, and the noted autodidact, and futurist Hazel Henderson.In April 2010, TFE was also a subject discussed at a major scientific conference (the ICEME, or International Conference of Engineering, and Meta-Engineering, Florida, USA).
It is important to add that TFE regards the financial system as a huge global IT system, and recognizes the reality that virtually all money exists as electronic,or digital data transmitted from one bank account to another.This means that the free flow of capital can be tracked, and controlled if necessary.
Essentially, TFE can be regarded as a form of Cybernetic Economics. Its scope, and scale is colossal....colossal enough to help deal with a whole range of multidimensional problems facing humanity, be it social, economic, or political.
It must be said that the serious, and full development of TFE will require the help of "open minded" experts notably in the fields of Economics, the Law, and Computer Science.
Please note that the following may be subject to changes, and possible corrections. It is still a "work in progress" project. Also, the Kheper version of TFE which appears at times on search engines is out-of-date, and is not as authorative as the presentation here.
TFE, A Brief Introduction.
The following may be helpful for new readers.
Essentially, TFE claims that new largely monitored non-repayable debt-free money could be created electronically by special transparent, and credible funding mechanisms, or Facilitation Banks (and/or by governments to some extent) This could notably fund in full, or in part environmental, and socio-economic projects of high ethical value. This would help to speed things up unlike repayable loans....though possibly interest free ones could also be created electronically when necessary.
The aim of all this is also to give powerful financial incentives to businesses.They could profit with genuine projects, and more importantly help save the planet, and its people notably in connection with possible climate change, and global warming.
Extra finance would not lead to serious inflation, or indeed, hyperinflation (eg. Zimbabwe) as the phasing in of newly created unearned money would be a gradual process, and the checks, and "controls" would be most effective in monitoring, and controlling inflation. This point is most notably true of Advanced Stage TFE explained a little later. Thus, there is no mad flooding of the real economy which ofcourse is absurd in extremis.
Strictly speaking, there are two forms of TFE, one of which has just been mentioned above. Firstly, Primary Stage TFE which is when the amount of new money created is very limited. It uses conventional Economic Indicators (eg.Consumer Price Index)to help decide how much could be created, and used directly into the real economy. Also, the conventional method of raising taxation, and interest rates could be utilized to help decrease the money supply, and hence, reduce any inflationary pressures.
Also, it is important to note that Primary Stage TFE could be skipped altogether in favour of Advanced Stage TFE. This could be termed Real Transfinancial Economics as the latterwould involve highly credible programming, and supercomputers.
In contrast to Primary Stage TFE, Advanced Stage TFE itself can create far greater amounts of new financial capital for projects mentioned in the first paragraph of this section. This should become clear shortly.
Among other things, Advanced Stage TFE can gain a "near perfect" knowledge of the entire economy of the country. Such data would come via full Electronic Transaction Monitoring(or ETM)and could be collected 24/7 in Real-Time. This is done via the ID codes,and barcodes of most products, and services at the point of sale (EPOS), or later transactions with banks.
Due to comprehensive programming, Free Market Price comparisons are made in Real-Time, and inflationary pressures can be detected. This transaction data would be vital to bring about wholesale sea change towards an environmentally sustainable, and socially ethical economy, as more, and more new electronically monitored non-repayable money could be created with real confidence, and without any serious inflation in Advanced Stage TFE.
As we would have a highly accurate understanding of the real economy inflation risks could be more accurately assessed continually via computer simulations of the economy itself. This is revolutionary when fully understood.However, it cannot ofcourse fully rule out uncertainty.
Anyway, another aspect of Advanced Stage TFE, and full ETM is taxation(and interest) itself could possibly be phased out. Moreover, fuller funding of many charitable NGOs would also become possible, and fundraising for them could ultimately be phased out altogether.
In Advanced Stage TFE there would be super-flexible direct electronic controls (similiar to "price controls" but far more advanced)to ensure inflation, and currency devaluation can never get out of hand.This would involve an instantaneous intervention with little, or no time-lag...
Anyhow, the direct controls concerned would in the main probably involve the electronic creation of "subsides".. (ie. new money not earned from taxes at all), or inflation "adjustments" in real terms at the point of sale, and the cashier may inform the customer of it. In other cases, an instant inflation "tax" might be necessary in which the deducted amount could be taken off. In most, if not all cases probably, it could be recreated electronically in the bank account of the customer.
However, as far as income tax is concerned it is allowed to continue via conventional means. Its collection would not be undertaken by some form of "instant" electronic deduction(s).Ofcourse, civil, and criminal fines (a kind of tax if such it could be called) would still exist.
It is also important to point out that we are not discussing a full Soviet style top down command economy. The reason being is that the Free Market Price is largely determined by private businesses, and capitalism in an increasingly more ethical form (due to increasing powerful financial incentives notably created by non-repayable money, plus repayable money as loans if necessary)would still continue until there is "full" automation when money, and wage slavery would no longer exist.
During the above process, pressure groups, or NGOs would become increasingly more influential as they would gain greater, and greater access to mainly newly created funds from independent grant making bodies, and possible other sources. Thus, the process of socio-economic, and political reform should grow apace as never before.
Hopefully, a more advanced technological, and more moral human civilization will largely emerge based on improved democracy, universal human rights, and greater fairness.In other words, global justice.....As can be seen TFE is concerned essentially with a systems change to achieve these lofty goals.
PS. Facilitation Finance can arguably be seen as a more advanced form of Quantitative Easing, or QE. However,it could also be understood as the result of QE. In other words, Facilitation Finance equals the manifestation of newly created money in the economy.
Present Day Economics.
Mainstream Neo-Classical Economics has developed a somewhat appalling reputation as the dismal science. Most of its work appears to be largely theoretical, and based on questionable statistics, and mathematical modelling. Its economic forecasts often, or not turn out to be wrong. Moreover, there is still an obsession with the need for more, and more unsustainable growth even though the planet has finite resources. More startling, is that there is little, or no real understanding of the importance of how money is created, and what it fully means in society, and the world.
Unfortunately, Neo-Classical Economics still has great influence over the economics profession. Essentially, it believes in the Free Market in which little, or virtually no regulation is needed, as capitalism appears at large to do well by being largely unimpeded. Yet, such ideology received a battering with the Great Financial Crisis, or GFC (2007-2008, and the following Global Recession) in which the entire world banking system nearly collapsed and was notably saved by massive bailouts. Many commentators pointed out that this was largely due to a lack of real, or good quality regulation of banks though ofcourse other factors were implicated.
Transfinancial Economics, or TFE itself is a form of Heterodox Economics which deals with mainly non-mainstream economic thinking.
The Creation Of Money.
In TFE ofcourse, money is recognized as being largely digital, or electronic data which can be transmitted from one bank account to another at the touch of a button. Governments create it as paper cash, and coins. This makes up a near non-existent portion of the entire money supply itself, and is spent into the economy as something non-repayable.
However, the rest of the money is created electronically out of thin air by mainly private banks via Credit Creation as repayable loans with interest charged on it. In other words, unlike what many people may think they do not actually lend out existing money from their reserves. The amounts they can issue are meant to be limited by a fraction of the reserves held. NGOs, such as Positive Money, and the American Monetary Institute are concerned with this, and other related matters. Many such groups usually believe that banks should not be able to create more money than they actually have, and should be fully constrained by their reserves. This is sometimes called Full-Reserve Banking.
A small minority claim that banks as soon as they create new money try to back it up with borrowed money from elsewhere. This seems more credible. Evidence seems to also suggest that banks can create repayable money "without restraint."
Some radical monetary reformers also believe (like the Muslims) that loans should be free of interest, and of "excessive" interest, or usury. Others though claim that interest should still exist, and could go to the government. A number of reformers like the idea of banks possibly being nationalized.
It is also claimed that new non-repayable debt free money could be created by governments, and this could help reduce taxation. As the evidence seems to indicate if enough of it is produced it would not lead to serious inflation (ie Primary Stage TFE).
Certain radical monetary reformers believe in the development, and the usuage of free local currencies which strictly speaking are meant to be tax free, and interest free. These have obvious limitations, but they are easily set up, and are workable. However, new virtual crypto-currencies notably Bitcoin have a far more global reach.
TFE is also regarded by many as being very similiar to Social Credit(Socred), and Modern Monetary Reform, or MMT (notably based on Chartalism, or Neo-Chartalism). Both notably believe in the responsible creation of new debt-free money.
Advanced Stage TFE gives policy makers, and technocrats full confidence that newly created money could be "safely" created in contrast arguably to "conventional" methods notably suggested in MMT, and Social Credit. Moreover, in TFE they would be electronic, and instantaneous unlike raising (inflation)taxation, and interest rates. The two latter methods could possibly be phased out altogether.
Some people would say that the notion of creating new non-repayable money is funny money. But as we have seen here in connection with banks they themselves create it ex nihilo as something repayable. Moreover, in TFE itself we are not discussing easy money because controls on its electronic issuance would be legally credible, and transparent.
For some, the notion that new money could be created at the push of a button is socially unacceptable. Yet, social, economic, and political injustice is also unacceptable especially if there is a lack of conventional earned funding available to back up NGOs, (green) businesses, and governments to deal with it.This gives newly created money a new higher value, and ethical dimension as never before.
The Problem With Redistribution.
There is probably more than enough money to change the world. The problem is gaining legal access to it especially where there is a genuine social, economic, or environmental issue at stake. Apparently, most of the money of the world exists in financial trading, or "betting casinos" dealing with derivatives (eg. currency speculation). Indeed, the sum total of the capital involved may be several times greater than the entire Gross Domestic Product(GDP)of the planet...
Some activist groups have suggested the implementation of the Financial Transaction Tax (FFT) to raise funds in the real productive economy.In TFE such an approach at "redistribution" in this context is ultimately seen as unnecessary, and frankly absurd when sufficient sums could be created at the press of a button. Indeed, it is interesting to point out that the Transaction Tax may well be an instant electronic deduction.
Redistribution of financial wealth using taxation is fine, and ethical as far as it goes. It is highly unlikely that such capital will be fairly, or rather fully redistributed due to the present Capitalist System, and the Free Market Economy. Moreover, the problems facing humanity such as food security, climate change/global warming, population growth, and the like are colossal. To try, and solve this via earned money alone through taxation, and business investment will probably become increasingly difficult. Hence, the need for TFE to speed up, and facilitate change notably using in full, or in part newly created non-repayable money, or indeed, repayable finance as an add on where necessary to earned capital. In other words, direct financial easing by special Facilitation Banks, and/or by governments if absolutely necessary.
The Emergence Of Facilitation Banks
Before proceeding further, it should be stressed that Primary Stage TFE may be largely avoided in part, or altogether in favour of Advanced Stage TFE. The reason for this is because of possible fears of inflationary risk even though a limited amount of new non-repayable money could be created directly into the economy. This though ofcourse would be carefully monitored by conventional Economic Indicators, and inflation could be dealt with by conventional "controls" of interest rates, and taxation rises to help reduce money in circulation. Ofcourse, new repayable money could also be created as well.
If Primary Stage TFE is undertaken the introduction of Smart Banks, or rather Facilitation Banks, or FBs is a crucial start.They can be seen as "superbanks", or as possible prototypes of future banks, and banking. They could become a part of the mainstream banking system but they have a far tighter regulatory framework to operate in. However, as indicated earlier governments could also directly create their own money electronically with the right legal framework. Alternatively, they could possibly use FBs instead.
Anyhow, FBs would have powers to electronically create closely monitored new non-repayable debt-free money (ie. Facilitation Finance ) as well as repayable interest free loans if necessary. The interest on loans does not have to come from the customer but could instead be electronically created by the Central Bank, or by some independent authority. Something similiar could happen with the new non-repayable capital. In other words, an operating cost ideally, or alternatively Grant Interest which could increase depending on the amount of new money created.
The basic aim, and purpose of such FBs is to create funds for projects which would be difficult if not "impossible" to finance by conventional means as indicated earlier on. Their remit though is largely targetted at investing in full, or in part in large, or small human-scale concerns to do with renewable energy alternatives, enviromental projects as well as social/ethical "entrepreneurial" businesses.
The decision making process on all this must be largely, if not wholly be free from any undue influence from governments, and corporations.It must notably be transparent, holistic and "objective" as possible with all options for consideration for some specific project, or projects that could be vital for the social, and environmental "health" of the planet. In the main this would require bona fide experts in their respective fields. It could involve partnerships with governments, NGOs, and existing green businesses as well as Open Source interactions with the public.
Ofcourse, when ready, investors using their own earned money could put it in some commercial project in order to gain a return. Indeed, their assets could be financially protected by the FB should the economy of any country face any serious problems, and hence, avoid capital flight where possible.
A interesting feature of FBs is that in theory at least it could electronically create infinite sums of capital. As indicated earlier, mainstream banks are similiar in this respect except that they cannot legally create new money as something non-repayable.
However, quite unlike mainstream commercial banks, the financial dealings of FBs are continually, and fully tracked electronically to prevent fraud. Such a process could again be undertaken by a Central Bank, or by some other credible body which could also impose instant fines electronically as part of a legally binding contract.
Anyhow, the amount of money which FBs can create is dependent on the costing of relevant resources, or products from suppliers. Essentially, it means that the amount of goods needed to be manufactured for some project would need to be planned well in advance. Ideally, if possible, checks on the relevant suppliers in the supply chain as to whether they have sufficient capacity to produce such resources could be undertaken. Capacity though could be increased if necessary by the FB. Ofcourse, it would be possible to have the relevant products (and services) on order to be electronically monitored whenever money is transmitted. In effect, we could have to some extent a "protected" economy existing within the present Free Market system.
With the aid of experts it is hoped that Facilitation Banks, and indeed, Facilitation Finance in the context of TFE will become a serious proposition. This innovative financial model would certainly be more advanced than anything created by such controversial global institutions as the World Bank, and the International Monetary Fund.Indeed, FBs would not lead to"competition" with "normal" mainstream banks as the latter could possibly have equal shares in the FBs, or some other legal arrangement(s). Understandably, some NGOs may regard them with suspicion but hopefully this will be dispelled if everything goes to plan "successfully".
Critics will probably point out that elected governments alone should have the power to create Facilitation Finance rather than mainly private companies such as the FBs (though FBs could be in part be owned by the state in full, or in part). The reason for emphasis on the latter approach is that it is hard to see that a country notably like the US would frown on the idea of greater government interventionism in the so-called Free Market Economy...
Thus, something like FBs may be more acceptable, and their influence towards more environmentally, and ethically centred businesses would be more agreeable. Arguably, rather than more regulation (which ofcourse can be long, and "difficult" to pass into law in certain countries) they would be able to "nudge" certain commercial enterprises as never before to reform themselves using financial incentives (ie. notably commercial grants, or non-repayable money, and where necessary loans ideally free of interest), and to possibly win further relevant contracts.
Some business leaders would claim that using "normal" market strategies rather than resorting to "subsidy" like incentives should be possible. Ethical investment could be seen possibly an example of this in which shares, or securities are bought up in companies with a "good" environmental, and ethical record. However, TFE is a far more powerful, and comprehensive approach, and could ideally compliment where necessary existing "green" schemes.
Democratic Governments, And Taxation.
In TFE, taxation could be phased out overtime. In other words, earned money from the people would be gradually reduced in terms of tax liability as new unearned (or debt-free) money is slowly phased in. In other words, Facilitation Finance by democratic governments.
At the present time, democratic governments could arguably create money electronically directly. This could come about with the relevant legal changes as indicated earlier.
At present though, if there are shortfalls in tax revenues, governments can issue bonds. These are IOUs mainly sold to the rich, and super rich companies, and corporations in which money is lent to governments. When paid back the bonds also carry interest which act as profit for lenders in the private sector. In other words, a good example of debt-based economics.
In Quantitative Easing, or QE governments again create bonds, and these though are bought up by the Central Bank creating new unearned money. But it seems a little absurd for legal reasons that publicly elected governments cannot directly create new money into the real economy itself rather than trying to notably back up banks(via QE notably)during the Great Financial Crisis, and the following Global Recession...
Bond trading is a huge global market. With TFE it could be gradually phased out if desired. Investors could receive compensation, or alternatively other kinds of financial instruments, or investments could be found. These could be far more lucrative. In other words, vested interests would not find TFE a threat, thus making global change quicker, and easier to achieve. This seems to be the most sensible, and practical way forward. Trying to do otherwise would probably be slow, and "virtually impossible".
Lastly, the so-called sovereign wealth funds of governments investing in the markets to raise money could continue if desired. Strictly speaking, they would not be absolutely necessary as the electronic creation of new unearned money could be created in sufficient amounts. However, such a practice could continue.
Electronic Profile Of The Economy In "Real-Time"/Advanced Stage TFE.
Most products, and services in the business world have codes for ease of accounting. Small shops, and supermarkets often, or not have barcodes which are used at checkouts to electronically account for sales transactions of customers. This is known as the Electronic Point of Sales, or EPOS. This notably gives retailers an accurate understanding of the demand of barcoded products along with their identifications, or IDs.
Such a method known as Electronic Transaction Monitoring, or ETM could be used to create an electronic profile of the entire economy in "Real-Time". Under new regulations, retailers would not only account for their sales, but would also at the sametime transmit their information to a public, or semi-public, or private inflation authority (which could be a part of the banking system, or independent of it). With modifications in barcodes, and business codes in general such transaction data (largely identified but not always..plus some legalized commercial confidentiality which could still have a high degree of non-disclosure of data, or possibly exempted altogether) would be able to build up a highly accurate electronic GDP of the economy on a daily basis (ie.24/7). But why is this neccessary, and important? The answer is three-fold.
i) To electronically monitor, and track, and compare price changes of specific groupings of most products, and services.
If serious rises in prices occur they could be targetted by direct electronic controls rather than always using indirect controls of taxation, and interest on loans which would be phased out overtime. This process would involve advanced, and highly credible computer programming, and the possible use of supercomputers by banks connected with the inflation authority. A more decentralised version of this could also exist.
ii) To create a highly accurate electronic "inventory" of resources used to make up products, or goods.
This will become increasingly vital as scarcity increases. Such data would be good for democratic government planners, and more importantly for private business planners who have a profit motive as their incentive.
iii) To bring about a greater understanding of the mechanics of the economy itself.
This may be very useful for future economists. With computer simulations, and projections garnered directly in Real-Time from ETM of the real economy itself it would be likely to possibly forecast the inflation risks involved in the creation of new unearned money for certain vital projects. It would also give us direct data of the capacity of various "small" companies, and corporations which would be essential for correct funding by FBs,and democratic governments.
Indeed, the origins of potential business cycles of boom, and bust could be tracked, and resolved. This is a very important point.
However, all this cannot fully rule out uncertainty, and the irrational behaviour of the money markets. But everthing could still work well in spite of this as TFE is a robust system.
It is clear that existing Economic Indicators would be largely, if not wholly superseded by the new "electronic economy" proposed. This is revolutionary. In other words, a cybernetic economy within a capitalist framework rather than a genuine communist, or socialist one.
It is important to understand that ideally only those businesses which make serious, and genuine efforts to be environmentally friendly, and ethical could ultimately receive a Zero Tax, and Zero Interest Status. There would be no real excuse not to do this because money from FBs, and/or democratic governments would always be there.
On the other hand, those enterprises which continue to use environmentally unsustainable technologies, and markets for the products, and services would continue to pay tax, and interest. But the door would always be open for them to radically change.
However, IT Megaprojects such as the above often, or not fail. But there is no reason in the world why they cannot be achieved with total persistence in the future with greater, and greater insight garnered from the analysis of past experience. Thus, ETM on a national scale represents a real techncial challenge, but it is one well worth undertaking as the social, economic, and political implications of it would probably be colossal.
Incidently, cash transactions, or something similiar could still exist, and be adapted to Advanced TFE in some manner, or other.
It should be added too that such an "electronic economy" would be "fully" protected against cyber attacks. Indeed, there would always be the funds to ensure that security is continually reviewed to the highest possible standards imaginable.
Direct Super Flexible Electronic Controls.
It must be made very clear that direct electronic controls, or specific interventions in the economy are used only if necessary. With the continous electronic monitoring of the Free Market Prices of the transaction of most goods, and services the data which results is transmitted to the inflation authority where supercomputers are programmed to check any inflationary problems, and related matters. In other words, we are ofcourse talking here about Big Data, Meta-Analysis,and Data Mining. Morever,Deep Learning, and Artificial Intelligence could also probably play a part.
However, economists would recognize the direct electronic controls mentioned above as being like "price controls," but a far more advanced version of them. The key feature of them is that in Advanced TFE they are super-flexible, and instantaneous. They are also notably super-sensitive to the changes in Real-Time to inflationary pressures in ways unimaginable to the old clumsy, and "rigid" price controls of the past.
Ofcourse, their correct programming is absolutely vital, and this could be based with likely modifications on existing formulas, and equations known in Econometrics used by certain economists, and then be adapted into a computer program as algorithms. Naturally, such an arrangement would have to take into account many variables in Free Marketing Pricing such as the value added to a product, or service. It should also be said that a producer of goods, or services would have to register online by law to ensure that their offerings can be correctly identified at the point of transactions by special barcodes, or like means. Certain products, and services ofcourse may not be easily "quantifiable", and may be exempt, or rather subjected to an instant "estimated" inflation tax "deduction", at a checkout, or the bank.
In the future such electronic, or digital transactions will probably occur in the main with special smartphones, or indeed, by debit, or credit cards, or something similiar. These can transmit, and receive money electronically. To a limited extent, this happens already, and all this could herald a big step forwards in the development of economics.
Anyhow, there are a number of things which the electronic controls (open to further modification, and development) could do:-
i) Automatic Inflation Deduction.
When a price of a product being bought at a checkout is found to be above the inflation rate new unearned money could be used to instantly adjust it to the "right" Free Market Price. This would ofcourse appear on a display screen after having been instantly checked by the inflation authority using supercomputers. The customer is thus informed about it.
The Automatic Inflation Deduction is like a tax but the money taken at the point of sale is re-created electronically in the account of the customer. In other words, it is "temporarily" taken out of general circulation where the inflationary pressures are being "felt." Such a method is known as a False Tax, or False Inflation Taxation in Advanced Stage TFE. However, if necessary, the money could be legally retained electronically, and re-created into the relevant bank accounts at some later time.
Ofcourse, the Automatic Inflation Deduction could also deduct money in real terms (without electronic re-creation at all for the "tax-payer")but this is avoided unless it is absolutely necessary. Automatic Inflation Deduction is arguably the most important basic "instrument" in TFE. It also helps to retain the value of money in Real Terms, and in Real-Time.
ii) Instant Electronic Price Subsidization.
This is when a price of a product may be below the inflation rate, and an instant subsidy, or adjustment is created electronically if necessary for retailers. This adjustment instantly occurs at the point of sale, and is again checked by the inflation authority using supercomputers.
iii) Electronic Price Capping.
Here, a maximun price may be set by a government, or by an FB in certain circumstances. If the price of production starts to exceed the maximun price, the producers would recieve instant financial help, or compensation where necessary as long they stick to the temporary "controlled" price. Ofcourse, electronic price capping should be avoided if possible as it could in certain instances lead to serious shortages, and price distortions.The aim in TFE is to allow as far as possible for the laws of supply, and demand to be maintained naturally.
It should be added here that similar methods to the above could be used to help control "bubbles" in the economy (eg."runaway" rising prices in the housing market).
A Form of Limited Electronic Transaction Monitoring.
A form of limited ETM could be introduced on a "local" scale if at all necessary. However, a national version could be "quickly" set up without the need to know the ID details of most, if not all products, and services via special barcodes. Money on Debit, and credit cards, or indeed, a smartphone (mentioned earlier)could be subjected to an instant inflation "tax" when a purchase is made. Again, the amount deducted from some purchased product(s), or service(s) could be taken off, and then notably re-created electronically (ie a False Tax).
Ofcourse, it should be clearly stated that in Advanced Stage TFE certain transactions do not have to be identified by special codes, or barcodes. But,ideally, most products, and services should be identified if full ETM, as opposed to limited ETM were to exist.
The Question Of Economic Growth.
As many realize the planet has finite resources. Thus,continous exponential growth cannot go on indefinitely. In Advancd Stage TFE there is a long temporary period of rapid economic growth but it is heavily influenced notably by the power of FBs, and Facilitation Financing making the present capitalist system far more environmentally sustainable, more ethical, and energy efficient as never before in human history.
There are those who believe in No-Growth Economics, or Steady-State Economics. Such notions are fine as far as they go, but they are very limited compared with the vision of Advanced Stage TFE.
Moreover, how finite is our planet really? This is arguably at present an "impossible" question to fully, or accurately answer. Yet, it has also been pointed out that most of the resources of our planet lie under the sea. To actually "mine them" is prohibitively expensive but their appear to be small initial attempts to do so. With Facilitation Finance it would be possible but it must be done in a highly responsible manner.
Apart from this there are all sorts of ways to deal with the potential resource scarcity question. They could include the following:-
i) The development of safe nanotechnology which could create new resources out of thin air via the manipulation of atoms.
ii) Space exploration with the aid of Facilitation Finance could find resources from other planets. These could be brought to our terrestrial world.
iii) Again, with Facilitation Finance it would be possible to create colonies on other planets, and hopefully, use their resources responsibly.
iv) Inventions could be developed to create more out of less, and less.
Ideally, people (especially the young) must become more, and more educated in that we must live simpler, less materialistic lives. This does not mean going back to the "stone age" but instead to an advanced technological world in which higher values, or ideals should take their place of unnecessary overconsumption, or "affluenza". This is not a question of ideology. It is a question of practical necessity.
Some Other Key Benefits Of Transfinancial Economics.
Apart from the above section there are many other benefits with TFE. They would include the following list.
a) Poverty.
With TFE, NGOs concerned with this issue would become increasingly empowered financially by Facilitation Finance which could be had directly from a FB, or possibly a government agency. It could also come from one, or more "independent" grant-making body (ie. a foundation, or trust).
Moreover, it could modify microfinance in the developing world to include an UBI, or Universal Basic Income, or subsidy of sorts without having to borrow money all the time (except possibly for the development of some form of self-employment/business ofcourse). It would be electronically created by FBs, or by governments, or by both of them in partnership. Controversial Grant Interest could accrue too..as explained earlier.
b) Health Care.
Irrespective of whether health care is largely in private hands, or not,Factilitation Financing could enhance the existing system in which everyone in spite of their economic status has access to high quality medical intervention.This process could happen in both the developed world, and the developing world.
c) Food Security.
Here, innovative but safe production of more food could be funded in full, or in part by Facilitation Finance. Moreover,like their developed world couterparts, farmers in the developing world could receive in full, or in part subsidies notably via closely monitored new non-repayable money created electronically.
d) Population.
NGOs with ideas, and projects concerned with this matter (ie.d)could be funded in full, or in part by Facilitation Finance.
e) Industrial Emissions.
One way, other than conventional methods to try, and reduce industrial emissions is to have governments use Facilitation Finance for companies to reduce excessive emissions from entering the atmosphere. Ofcourse, this contradicts the "polluter pays" policy but it is not totally unethical. Moreover, this could prove a simpler method than carbon trading in the Eurozone which appears to be failing.
f) Climate Change, and Global Warming
This is probably the most important challenge facing the human race,(apart from potential resource scarcity) and could infact, threaten its very existence. A huge amount needs to be done in the quickest space of time. "Science Fiction" type projects should be considered seriously such as geoengineering, and various adaption, and mitigation projects such as special dams, underground cities, artificial underwater dwellings, underground agriculture(even), and the like could become serious possibilities with the aid of Facilitation Finance. Governments need to take climate change seriously, along with global warming irrespective of whether such "scenarios" prove ultimately true, or not. It is also should be stated that most scientists believe that climate change is largely man-made, and could lead to serious global warming.
Possible National, and International Compensation
One aspect of TFE notably in its Advanced Stage is that any "unethical", or environmental activity undertaken by some company, or transnational corporation could be paid a one off payment, or continous long-term compensation (depending on the situation) to stop, correct, and/or possibly take up some other more "ethical" "environmental" business. Similiar ideas have been undertaken by governments on certain issues, but ofcourse using earned money in the main from taxation usually on a very limited scale. With TFE though such compensation can be undertaken on a massive scale by FBs, and governments.
It should be said that TFE is not the panacea of all the problems of the world. But it can certainly help many of them when, and where necessary.
"Full" Automation, And The Future.
During the transition from a debt based economic system to a non-debt based one in which taxation, and interest could ultimately be phased out many momentous socio-economic, and political changes would probably occur.
One of them is the introduction of automation on a huge scale.This would lead to growing unemployment. However, something like an UBI, or Universal Basic Income(mentioned earlier) could be introduced irrespective of whether one is employed, or not. This would not require means testing.
In the light of the above, other kinds of "leisure-like" forms of work, or employment could come into being.Alternatively, for some, a green business could be created but with a high degree of automation included.
Interestingly, all this has great implications for NGOs, or Non-Government Organizations. They could expand, and be able to bring aboard new recruits as money would become easier to find, and fundraising itself could also be ultimately phased out altogether in many cases. Hence, progress of socio-economic, and political issues (eg. Fair Trade, Human Rights, Poverty Reduction, Globalization, Racial Discrimination, Campaign Finance, Banking Regulation, et al) will gain far greater momentum, influence, and power as never before. Thus, Advanced Stage TFE can lead to greater, and greater open democracy.
Certain better financed NGOs would find it easier to challenge elitist plutocratic power structures if they feel that their activities to a certain extent are unethical in some manner, or other...
....Yet, TFE may make the wealthy richer with green, and socially ethical type investments but with the aid of FBs it could all ironically lead to their own demise when automation begins to take over most work activities. It is then that money itself could become ultimately unnecessary...This is very important to try, and understand.It is revolutionary.
Also, with the growing financial empowerment of NGOs for a new, and hopefully a better, and fairer world the following values could be included notably.
i) The continuance of open democracy, and respect for universal human rights.
ii) Growing altruism, and more humanitarian action in society should act as the key incentive rather than the profit motive. This is very important. Indeed, so-called Hedonic, or Happiness Economics seems to indicate that money is not everything. As long as people have enough they are found to be reasonably happy.
iii) Possible evolution towards direct democracy in which a Universal Debating Project, or "forum" could be credibly created on the internet on a p2p Open Source basis to show "all-known" arguments notably for, and against social, economic, and political issues (without verbal padding). In other words, an objective, and holistic approach to information. This could be updated continually in Real-Time ofcourse.
iv) The need to move towards a society in which cooperation rather than competition should be the incentive to drive the world forwards. At the sametime, there should be greater growth in the development of the Sharing Economy in which products, and services could be shared for financial, or non-financial gain.
v) There should be a greater emphasis for "smaller" human-scale communities which could be highly self-sufficient. This is important, but huge "smart" cities would also probably be developed, and expanded at the sametime. Also, there should be a drive towards more, and more decentralised energy systems.
vi) As already indicated, NGOs notably concerned with inequality would become increasingly empowered by Facilitation Finance in the form of grants, and loans to improve the lot of the poor.
vii) Greater decentralilsation of power.
viii) Society should become less, and less hierachical
It is ultimately envisaged that something like an advanced technological world will emerge. The Venus Project inspired by Jacque Fresco, a noted populariser of Technocracy is an example of what could be done in the future but arguably has no real, or credible transition plan unlike Transfinancial Economics, or TFE.
Campaign Activism For Transfinancial Economics.
In order to bring about the serious possibility of change from our present debt based economy of taxation, and interest to one which is largely non-debt based, a campaign would be necessary. Unfortunately, a grassroots organization(s) for the present time to challenge banks, and their kind is unlikely to work....though we may be wrong.
To promote this campaign it is suggested here that a professional website would be set up to spread the word of Transfinancial Economics as a serious, and credible proposal if the world is to successfully "survive" the global problems of the future (especially climate change, and possible global warming). It could be sent to people, and organizations that have real power, and influence such as government policy makers,financial companies, think tanks, et cetera. This is probably the way forward.
The TFE website itself could include the following features.
A news update about the campaign progress, notably the lobbying of certain governments.
Commissioned papers (initially) by willing forward thinking economists (and others, notably computer scientists) possibly using econometric models to show the efficacy of TFE in technical terms, including detailed studies on various facets of the subject.
An online Journal of Transfinancial Economics.
A powerpoint presentation of TFE for downloading.
Possible field trials of the electronic technologies involved in TFE. This could be partly, or fully funded by governments, and/or by corporations, or by some other source such as an NGO(s).
The concept of TFE would probably have to go before the US authorities,the European Parliament, the UK Parliament, and other democratic governments. Ideally, all countries should work in consort to introduce something like TFE, though this may not be absolutely necessary. But it could mean for those who actually develop TFE successfully that a "unfair" competative advantage could be had over other countries.
More controversially, a "good" idea may be to try, and market the new global paradigm to certain corporations(and ofcourse, other much smaller businesses) as a huge "business opportunity" of colossal importance. Such powerful businesses though should have some serious, and genuine interest in sustainability. They could form a special alliance to put pressure on governments notably in Washington to at least phase in Primary Stage TFE to some extent.
Advanced Stage TFE (ie. full, or limited Electronic Transaction Monitoring, or ETM)though would ofcourse be more difficult, and controversial to become law on a national, or international scale...
.....However, the huge global benefits for humanity far outweigh its risks for introducing it into society, and to the world. This must be emphasised as it is vital for people to appreciate TFE in its advanced stage of development.
Basic Glossary
What is presented here are the basic definition of key terms in TFE. New ones may be added in the future, but most of the terminology would ultimately come from mainstream economics.
- Transfinancial = The latin word trans implies something above, or beyond. In this case, it can be interpreted as being beyond conventional finance, and indeed, economics itself (ie Transfinancial Economics). In another context, transfinancial can imply money being transferred across borders to other countries.
- Primary Stage TFE = Here, very limited amounts of mainly new debt-free non-repayable money could be gradually created electronically into the economy directly. Repayable money, or loans could be created as well if necessary. Economic Indicators (notably the Consumer Price Index) could be used to decide whether more new money could be created, or not. If inflationary pressures grow the conventional methods of raising taxation, and interests on loans could be undertaken, are intended to help reduce the money supply.
- Advanced Stage TFE = This is when most goods, and services would be tracked electronically, and have instantaneous checks undertaken at the point of transaction. This is done to find out their inflation status, and also to ideally discover the IDs of most goods, and services. The latter aspect is used to build up a profile, or electronic GDP of the economy in Real-Time. At the point of transaction electronic checks are undertaken by supercomputers when the relevant pricing data is sent to an inflation authority. It is then that the inflation status, and IDs of most goods, and services can be ascertained. The resulting data is transmitted to the cashier, and certain "unconventional" electronic controls may be used to adjust the Free Market Price.
- Electronic Transaction Monitoring (ETM) = This is explained above. It is simply the monitoring of most goods, and services of products, and services.
- Limited Transaction Monitoring (LETM) = Here, the IDs of products, and services are unknown. Yet, they are recorded, and may be subject to a False "Blanket" Tax, or False Inflation Taxation. Ofcourse, there can be a mixture of ETM, and Limited ETM in an economy. In other words, in Advanced Stage TFE not all transactions need to be identified, but most of them should be, and there aught to be a record of "all" anonyimised transactions.
- False Taxation = At the point of sale, a False Inflation Tax may be undertaken on most products, and services. Essentially, this means that the Free Market Price is instantly adjusted to take into account present inflationary pressures, and a deduction is instantly undertaken, and recreated electronically in the account of the customer(ie. Automatic Inflation Deduction). Moreover, the value of currency can be increased instantly, and electronically (ie. Instant Electronic Price Subsidization).
- Retainment = The concept in which there is no instant re-creation of new money (ie. False Taxation) but is instead in full, or in part retained temporarily by the inflation authority.
- Facilitation Finance = The circulation of mainly new debt-free non-repayble electronic money by special Smart Banks, or Facilitation Banks(FBs), and/or possibly by governments. This Facilitation Finance can be seen as the result of a money creation process known in economics as Quantitative Easing, or QE. Ofcourse, repayable money could be created electronically sans interest.
- Grant Interest = A highly controversial concept in which an independent authority (eg. the Central Bank) could pay on behalf of the customer, or company the interest on the amounts of electronic creation of new non-repayable money (ie.a commercial grant) by Facilitation Banks. The same notion can apply to repayable loans in some, or in all circumstances possibly. In effect, they would be interest free.
It is also important to realize that traditional mainstream banks would still exist to lend money. Unlike the FBs, they are not as well regulated, and furthermore, they are unable to create new non-repayable finance legally.
Some Key References
The following is not exhaustive ofcourse. The literature on finance, monetary reform, economics,and sustainability, is vast with an array of well-known, and little-known authors.
Steve Keen, Debunking Economics - Revised and Expanded Edition: The Naked Emperor Dethroned? Zed Books, 2011
David Colander (Author), Paul Ormerod (Author), Dave Ramsden (Author), Paul Seabright (Author), John Sloman (Author), Edward Glaeser (Author), Andrew Haldane (Author), John Kay (Author), Andrew Lo (Author), Diane Coyle (Editor), What's the Use of Economics? Teaching the Dismal Science after the Crisis, published 2012.
L. Randall Wray, Modern Money Theory: A Primer on Macroeconomics for Sovereign Monetary Systems, Palgrave Macmillan, 2012
Stephen Zarlenga,The Lost Science of Money: The Mythology of Money, The Story of Power, AMI, Dec 2002
J.W. Hughes,Major Douglas: The Policy of a Philosophy, Wedderspoon Associates,2002
Ellen Hodgson Brown and Reed Simpson, Web of Debt: The Shocking Truth About Our Money System and How We Can Break Free, 2012 edition
Josh Ryan-Collins (Author), Tony Greenham (Author), Richard Werner (Author), Andrew Jackson (Author) Where Does Money Come From?: A Guide to the UK Monetary and Banking System, New Economics Foundation, 2012
Jeffrey D. Sachs,Common Wealth: Economics for a Crowded Planet,Penguin Books, 2009
Jeffrey D. Sachs, The Price of Civilization: Reawakening American Virtue and Prosperity, Random House Trade Paperbacks, 2012
Joseph Stiglitz, Freefall: America, Free Markets, and the Sinking of the World Economy, W. W. Norton & Company, 2010
Noreena Hertz, IOU: The Debt Threat and Why We Must Defuse It, Fourth Estate, 2010
Mckenzie Funk, Windfall, The Booming Business of Climate Change, Penguin, 2014
Jeremy Rifkin, The Zero Marginal Cost Society: The Internet of Things, the Collaborative Commons, and the Eclipse of Capitalism, Palgrave Macmillan, 2014
Some Links Of Possible Interest.
The following links may be of interest.
1) The following is an old series of published articles. Most of the information on it is correct but for any recents developments the present p2pfoundation entry on this specific page offers the most accurate, and authorative presentation. http://blog.p2pfoundation.net/introduction-to-transfinancial-economics-part-one-the-core-concepts/2011/07/11 http://www.p2pfoundation.net/Introduction_to_Transfinancial_Economics
2) TFE is notably similiar to Social Credit. The following link may be of interest, and a French version also exists. http://www.michaeljournal.org/plenty42.htm
3) An introduction to MMT, or Modern Monetary Theory which is also very similiar to TFE. http://ralphanomics.blogspot.com/2011/02/introduction-to-modern-monetary-theory.html
4) Trond Andresen connects electronic money to MMT in his working paper. He seems to have drawn something of his inspiration from TFE. http://www.itk.ntnu.no/ansatte/Andresen_Trond/econ/mmt-electronic.pdf
5) The following link to a NGO is concerned with how money is created. http://www.positivemoney.org.uk/
6) The idea of businesses working in a real-time economy is nothing new. Ofcourse, TFE ultimately goes beyond this to include a deeper, and far more accurate understanding of the actual workings of the economy itself. This is revolutionary, and turns economics on its head. Indeed, it could be argued that TFE is the most important breakthrough in the history of economics, and this may one day be recognized. http://en.wikipedia.org/wiki/Real-time_economy
7) In the future smartphones could be used on a common daily basis by most of society, to transfer, or transmit money. This has great relevance to TFE as one can imagine. Barclays came out with their model phone called Pingit http://www.guardian.co.uk/money/2012/feb/16/barclays-pingit-money-sending-smartphone
8) In contrast to the Developed World, Kenya, of all places have been using the mobile phone as the main means to transmit, and indeed, recieve funds electronically. http://www.bbc.co.uk/news/business-11793290
9) A growing, and comprehensive blog on economics in general. http://theeconomicrealms.blogspot.co.uk/2012/12/how-can-anything-rival-threat-of.html http://theeconomicrealms.blogspot.co.uk/2012/11/paradise-or-oblivion.html
10) High Frequency Trading is an example of the power of advanced automated computer technology in the financial sector. Something similar to it with different programming could be used in the economy as understood in Transfinancial Economics in its Advanced Stage. http://www.en.wikipedia.org/wiki/High_frequency_trading
11) The idea of something like a cybernetic economy has been around for sometime. The following links may be of interest, and appear to offer "techno-economic" ideas within an "extreme" socialist, or communist type system. With TFE though we are discussing an economy that exists within the framework of a more "ethical" futuristic capitalist system which would ideally have genuine open democracy, and respect for universal human rights rather than some dystopia, or totalitarian system. This is always important to remember. Yet, if society decides it can evolve into a "higher" society similiar to one envisaged by Technocracy http://p2pfoundation.net/Towards_a_New_Cybernetic_Socialism http://blog.p2pfoundation.net/why-you-should-read-the-essay-red-plenty-platforms/2013/08/20 http://p2pfoundation.net/Cybernetic_Communism http://p2pfoundation.net/Cybernetic_Revolutionaries http://p2pfoundation.net/Cybernetic_Planning http://encyclopedia2.thefreedictionary.com/Economic+Cybernetics
12) Professor Richard Werner was the originator of the term Quantitative Easing, or QE. But it has been completely misinterpreted as the following link reveals http://www.bbc.co.uk/news/business-24614016#story_continues_3
13) The problems facing the management, and possible success of Megaprojects, notably IT ones.http://blog.budzier.com/me-research/ http://www.mckinsey.com/client_service/public_sector/latest_thinking/mckinsey_on_government/seven_imperatives_for_success_in_it_megaprojects
14) The use, and develeopment of Big Data appears to be growing apace in the world. It has huge significance for TFE http://en.wikipedia.org/wiki/Big_data
15) The use of dynamic pricing, and algorithms is becoming a serious reality. http://en.wikipedia.org/wiki/Dynamic_pricing http://spectrum.ieee.org/podcast/telecom/internet/dynamic-pricing-how-much-is-not-a-simple-question
16) Serious problems may be faced with ageing bank computer systems. With TFE it may be possible to help in full, or in part the financing of new IT systems.http://theeconomicrealms.blogspot.co.uk/2013/12/banking-it-crisis.html
PS A paper on TFE was actually accepted by a peer reviewed journal. However, due to a dispute with the editor/publisher I withdrew it from publication, and at the time of writing a new version has been sent elsewhere.
Robert Searle is the originator of this "work in progress" project. His email address is email@example.com, or email@example.com. Admitedly, my bio below is unconventional by most peoples standards but it is hoped it will not detract from any interest in the above project.


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"We must be the change we wish to see in the world."
For the past two years Jes has been building the Gandhi Peace Train, a new mode of transportation for his Gandhi Puppet (photo in Gallery). Because Jes has been busy working on the train, the Gandhi Puppet hasn't gotten out as much as he used to, but this is all changing. Jes is organizing a Bridge of Hearts Task Force through the Social Justice Center of Marin http://sjcm.org/ and asking people to join him. The task force will be looking for new, creative ways to introduce the Gandhi Puppet and his message of nonviolence to the world. The team's first project will involve creating a blog for local Bay Area Activists. We'll be asking them to pass on inspirational messages to our young people about how they too can "Be the Change" in the world.

subset: commoncrawl


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With Obama still inheriting residual blame from people rightfully pissed about the un-ending flow of oil into the Gulf of Mexico via BP, the White House has gone on the offensive with fury in the past week. President Obama finally came with harsh words, wondering whose ass he should kick, but ... More >>
Today is Worldwide BP Protest Day. Have you heard about the damage they've done? Oil is still flowing into the Gulf of Mexico, at a rate of around 1.7 million gallons a day. From 11 a.m. to 1 p.m., one New York City meeting spot for angry environmentalist or lonely singles is the New York Tim ... More >>
• Prepare to feel depressed: According to new estimates, "an amount equivalent to the Exxon Valdez disaster could be flowing into the Gulf of Mexico every 8 to 10 days." Ugh. President Obama is asking to meet with BP execs next week, and Congress is pressuring BP to stop paying shareholders ... More >>
If today's news that the oil spill in the Gulf is spewing out as much as the Exxon Valdez spill did, every 8 to 10 days, got you down like it did us, there's a protest rally that has your name all over it. Tomorrow is Worldwide BP Protest Day, and from 11 a.m. to 1 p.m., NYC folks will rally ... More >>
AFPThanks, BP!Even if BP isn't doing much to help the countless Gulf coast fishermen they screwed over, that doesn't mean we can't. Starting tonight and going through Saturday, restaurants across the country will participate in Dine Out for the Gulf Coast. Participating restaurants will donat ... More >>
Via Bowery Boogie. Click to enlarge. Yesterday was the 50th day of the BP oil spill and, yeah, people are angry (even Obama wants to kick someone's ass). Remember when an unknown vandal threw mud at the BP station sign on Houston? Bowery Boogie captures a new anti-BP effort: Signs showing an ... More >>
Just when you think BP couldn't make enough of a mess of this world, the energy giant has yet again found themselves the makers of a tragic, terrible mess, the cleanup of which will inevitably be painful at best, and devastating at worst: There is coffee on a conference room table.
A rendering of the new lanes.• Starting in October, New York City buses will get express lanes on 1st and 2nd Avenues. The Department of Transportation and the MTA hope this will improve bus travel times by 20 percent. New bike lanes will also be added to part of the route. • Two New Jer ... More >>
This is what we know: BP ruined everything and will forever be stained by the massive oil spill in the Gulf of Mexico. (It's still going.) Also stained? All of the poor animals whose homes and lives we (but mostly BP) ruined with our nasty oil habit. Which leads us to what we don't know: Is i ... More >>
Good morning! Today in your BP oil spill update: After cutting the pipe at the wellhead (with 20-foot shears), officials have placed a cap over the well to funnel oil to a ship at the surface. But, as usual, "it will be some time before we can confirm that this method will work and to what ... More >>
That would be "Sing 'Hey Jude' in the East Room of the White House with Paul McCartney, Jack White, Dave Grohl (!), Jerry Seinfeld, Elvis Costello, your wife, and a whole bunch of other people on an evening when BP finally finished sawing through its own oil rig, thus dumping yet still more light ... More >>
• In the wake of Tropical Storm Agatha, there is a giant sinkhole in Guatemala City, and it is terrifying. "It may look like it's impossible to fix, but we've done it before," says David de Leon, spokesman for the Guatemala disaster response agency. Video of the sinkhole here. • BP has l ... More >>
Tony Hayward, BP's now infamous foot-in-mouth CEO, has apologized today for saying "I want my life back" on Sunday when, of course, people actually died in the oil rig explosion and countless others who weren't in charge of the company have had their lives upended by the spill (so far). His s ... More >>
Should BP be held responsible for the recent oil spill in the Gulf of Mexico that everyone's very upset about right now? Absolutely! But should BP stations - which are run as independent franchises who are supplied gas by BP - feel the same pain? Consumers certainly think so, especially in Ne ... More >>
Well, this was bound to happen: BP's iron-clad confidentiality agreements have been obtained and leaked by bloggers. This comes on the heels of a memo written by BP that made its way to the press earlier a few weeks ago, where the oil giant compared its workers to the Three Little Pigs.
In the latest from the historic American environmental mess in the Gulf of Mexico, BP is now warning that amid the failure of the "top kill," crude oil may be leaking into the water until August, according to the Washington Post. And as the responsibility continues to bleed from BP toward the ... More >>
While the official word says that BP is still "assessing" the success level of this week's "top kill" attempt to plug the massive oil leak in the Gulf of Mexico, reports are creeping in that it was a big fat failure. It's clear that the gushing poisonous fluid has not yet stopped leaking, acc ... More >>
This should get interesting/insane: A group of protesters organized via FaceBook are planning on "occupying" the BP gas station on Lafayette and Houston - right in the heart of SoHo - to protest the energy giant's involvement in the worst oil spill disaster in the history of the world.
Dare we to hope? The federal government's top oil spill commander (yes, apparently such a person now exists) Coast Guard Admiral Thad Allen has said that the engineers who attempted the "top kill" have succeeded in stopping the flow of oil and gas into the Gulf.
The BP Oil Spill Disaster started on April 20th, over a month ago, for those keeping track. Which is why it's so strange to read through this morning's MediaBistro Newsfeed, and come across a Yahoo news story, where you will find information regarding the White House's response to what 'they' ... More >>
The BP Oil Spill Disaster has been going on for quite some time now, but BP - when they're not busy possibly constructing horrific charts or ignoring incredibly apparent warning signs - thinks they have the answer: Top Kill, Live on TV!
• Poor Fergie gets only $21K a year from her ex husband Prince Andrew and really may not have a "bean to her name." Not that that excuses anything.
Looks like BP's pipelines aren't their only parts putting bile out into the universe: their press lines aren't exactly secure, either, given that a memo leaked today catches BP red-handedly grossly comparing their business to The Three Little Pigs.
Since we're all pointing fingers and naming names with regard to whose fault the BP spill really was, why wouldn't Sarah Palin jump in the ring? On Fox News Sunday, the former Republican candidate for VP said, "I don't know why the question isn't asked by the mainstream media and by others ... More >>
Really hating BP right now but not sure how to take out your aggression on anyone but your significant other? Follow the new fake Twitter of the moment, BPGlobalPR, which as of this post had more than 10,000 followers. (BP's legitimate Twitter, BP_America, had but 4,472 followers.)
• BP (and dozens of other oil companies) were allowed to drill in the Gulf without getting required federal permits, "despite strong warnings from that agency about the impact the drilling was likely to have." Also, scientists are saying the size of the spill has been underestimated, while ... More >>
It turns out, we pretty much all see the oil spill in the Gulf as a major disaster, reports Pew Research. And that's sort of heartening, because the only thing worse than a ruptured well in the Gulf leaking 210,000 gallons of oil a day into the water and up onto the shores would be people run ... More >>
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At home, Bush, Warner, Lugar join the department of Rumsfeld defense
Seeping into the harbor, the city's oldest oil spill nears court action
Companies . . . March!
Oil Execs Muscle U.S.-Backed Pipeline Through Environmental Treasure
Crude Methods
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How the Kosovo Crisis Helps Milosevic and Clinton


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Side badges mark the new 2013 Jetta Hybrid as a green machine.
Staff photo by Mark Kennedy .
published Friday, December 27th, 2013
Stories this photo appears in:
EDITOR'S NOTE: This is the second in a two-part series featuring Test Drive columnist Mark Kennedy's list of 10 most notable new vehicles of 2013. Go to timesfreepress.com to see the full report. This article contains excerpts from previous columns.


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Immediate Release: September 12, 2004
Sporting a lineup loaded with underclassmen, BU won all nine singles matches and two of four doubles contests against Villanova. The team also won all seven singles and all three doubles matches against Bloomsburg, and six of eight singles and three of four doubles contests against Bucknell.
Sophomore No. 1 Dan Hanegby (Herzliya, Israel/Harishonim) went 3-0 in singles, dropping just eight games in the six sets he played. Hanegby also went undefeated in doubles with junior teammate Brian O'Connor (New Rochelle, N.Y./Iona Prep). Playing No. 4 singles, O'Connor dropped just six games in posting three straight-set wins. Junior Richemn Mourad (Sao Paulo, Brazil) went 3-0 at No. 2 singles and freshman No. 3 Alex Dobrin (Flushing, N.Y./Cardozo) made his collegiate debut with three wins - all in straight sets.
Binghamton will host Ithaca in its home opener on Wednesday. The 4 p.m. match will be played on the West Gym Courts alonside the women's match between the two schools.
Bloomsburg Invitational Results (no team scoring)
vs. Villanova
vs. Bucknell
vs. Bloomsburg
Sports Men: Baseball | Basketball | Cross Country | Golf | Lacrosse | Soccer | Swimming and Diving | Tennis | Track and Field | Wrestling |
Sports Women: Basketball | Cross Country | Lacrosse | Soccer | Softball | Swimming and Diving | Tennis | Track and Field | Volleyball |
No portion of this site may be reproduced or duplicated without the permission of Binghamton University.


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Cyclone dust collectors use centrifugal force to remove heavy particles from the airflow. These can be used as pre-separators or protective devices to separate hot particles before they harm your filter media.
We are a proud distributor of Quick Fit clamp-together, the world's fastest ducting. Just clamp it together in seconds without rivets, welds, or tools.
Pipe system and accessories for Nederman compact dust collectors and central vacuum systems. For on-tool and on-torch dust and fume extraction, general cleaning
Our vacuum pumps and 2 stage fans are for when you need that extra suction power for transporting heavy materials through long ducting runs
Heavy duty Industrial Vacuum Cleaners. These are not ordinary vacuums for housekeeping.
EX=ATEX approved, A=Air powered, E=Electric powered, S=side channel fan
ATEX approved air powered industrial vacuum cleaners for use in potentially explosive atmosphere.
Industrial dry vacuum cleaners for extraction and collection of dry materials like fine dust, granulates, grit, spillage, powder, grit, granules, chips and dust. Suitable for shipyards, off-shore and chemical industry.
Wet/dry industrial vacuum cleaners for suction of spillage, coolant recovery, grit, granulates, chips and dust.
Suitable for off-shore, shipyard industry and machining industry operating drilling, turning and milling machines.
Wet Vacuums for the collection of wet materials such as oils, chemicals, water, oil and other liquids. Suitable for off-shore, shipyard industry and heavy industry
Exhaust extraction and removal for cars, trucks, buses and any type of emergency vehicle
Fire trucks, ambulances and other emergency vehicles rely on fast exit speed. And Nederman delivers up to 100% extraction, high exit speeds and capacity.
Remove exhaust fumes from stationary vehicles with simple installation and optimal exhaust extraction efficiency
All Nederman extraction arms are highly flexible, and simple to position, extend
and retract
Bench Top extraction arms for extraction of solder fume, odor elimination comes with hood, hose or nozzle
Dust extraction arms for extraction and collection of dust in non explosive environments
Welding fumes are hazardous to your workers' health. Nederman has a wide variety of fume extraction arms to suit your particular welding environment.
Nederman has fans and vacuum pumps for any airflow your application needs.
For those applications where low air volumes are needed to extract dust, fumes, or odors such as soldering or gluing
Our heavy duty dust collector fans can handle virtually any type of fumes and dust from fine particles to large chips and shavings.
Nederman oil mist and coolant filters separate the oil mist from the air and can recycle it back into your machines. No wasted coolants or oil mists.
Collect, separate and eliminate oil mist in your facility
Our coolant filters can be applied as a single
piece of equipment for a specific machine or as a compilation of
equipment for a number of machines.
Cassette-type coolers with preheating of cooling air
Nederman offers a wide range of material handling and separation products.
By pressing the metal chips and swarf into solid briquettes, you can achieve further financial benefits through improved smelting and simpler waste management.
Cut costs for coolants and ensure productivity. Separation of the coolant from metal chips and turnings can return more than 90 per cent of the coolant back into production
Crushes long swarf, metal chips and turnings into short chips to save transportation costs and to allow further processing.
Durable metal chip and scrap conveyors designed for maximal lifetime and minimal service requirements
Rotary valves function like a revolving door in an department store allowing for pressure less discharge of dust and waste from the dust collector, separator or cyclone while still providing a seal on the housing.
Nederman portable welding fume and dust extractors allow you to have extraction at the source - the most efficient way to capture fumes and dust.
Safe and functional retractable hose and cable reels for industrial use, professional tradesmen or do-it-yourself workshops
Retractable cable reels for industrial use, professional tradesmen or do-it-yourself workshops
Retractable hose reels for industrial use for servicing air, water, oil, grease and oxygen/acetylene
Portable dustless blasting equipment with superior productivity, suction power and blasting media recycling
Nederman products reduce strain on your employees allowing them to be more efficient. More efficient and healthy employees produce better results.
Balancers help support the tool or hose and keeps it lifted at all times, minimizing the strain on operator.
Nederman welding curtains and screens protect other employees near welding activities from any sparks or debris from the process as well as sheid their eyes from the bright welding arc.
Nederman has a wide range of proven solutions for Eco-Efficient production and safe workplaces
At your service when and where you need it because uptime is money
See what our customers say about our dust, mist, and fume collection systems
Nederman's video library
Nederman is the world leader in industrial air filtration and was founded in Sweden 1944
Visit our financial segment for investors. Get more information about the Nederman share, pressreleases, financial reports and calendar
Here you will find all our latest news, press releases, videos and some images for download. Product images are on our Extranet.
Contact one of our 30 sales companies, many distributors and resellers today
Explore our proven solution for Emergency Stations by clicking the areas and products in the illustration on the right.
The MagnaTrack is the exhaust extraction system for smaller emergency stations who don't need the multiple vehicle exhaust extraction of the MagnaRail. Supports one only vehicle per track.
Versatile, robust mobile welding fume extractor. Can be fitted with different arms and filters for your welding application needs. Comes in models Carbon, W3 and Original.
Nederman has exhaust extraction systems to fulfill
the specific needs of your fire station and suit your budget.
No matter the size of your station, sizes/types of vehicles or
frequency of operations.
We have the market's widest range of products and systems, as
well as extensive experience and knowledge in how to build the
optimal solution.
Diesel exhaust is now classified in the same category as asbestos, arsenic, mustard gas, alcohol and tobacco. Extract these hazardous diesel fumes efficiently with Nederman vehicle exhaust extractors.
Diesel exhaust, found in every fire station, is produced when
an engine burns diesel fuel. It is a complex mixture of thousands
of gases and particles (soot) containing several toxic
air contaminants. These include many known or suspected
carcinogenic substances (benzene, arsenic and formaldehyde).
It also contains other harmful pollutants, including nitrogen
oxides. In the long term, repeated exposure is as dangerous as
being subject to cigarette smoke. The exhaust spreads into the
areas where firemen eat, sleep and reside. It even penetrates the
Studies have shown cancer rates among firemen are exceptionally high. Our vehicle exhaust systems can help reduce this rate.
These exhaust extraction systems from Nederman are designed specifically
for emergency vehicles. The exhaust fumes are removed right
from the tail pipe, which is the only effective way of doing it. More than 100,000 Nederman exhaust extraction systems installed in emergency
stations all over the world is a proof for that!
Case story
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Nederman's products and solutions contribute to improved production economics, reduce the strain on the environment from various industrial processes and protect people from harmful dust and particles, fibers, gas, welding fume and smoke, vehicle exhaust and oil mist.
© Copyright Nederman Holding AB


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TN Court: Owner liable for car thief's crash if keys were in vehicle
This is one of the worst decisions a court has ever made. As citizens of a free country we all have the right to leave our keys in our vehicle and not have to worry about getting sued. Sure it increased the chances of it getting stolen but on a cold morning I always go start my vehicle and let it warm up. If someone steals it, from that point on anything that happens should be the fault of the theif. Not me or the police. Its always bad when innocent people get hurt but that should still be the fault of the idiot stealing the car. If the court system would punish criminals instead of trying to rehabilitate them, which has been proven ineffective over the last 100 years maybe that guy would have thought twice over stealing that vehicle. I wonder at any point during this case did anyone ever consider holding the thief accountable? Probaly not, because the criminals will always have more rights than us honest law abiding citizens, as long as we as a country continue to elect career politicans or the person with the biggest budgets to offices. Wether it be county, state, or at the federal level. Whoever spends the most money and gets the most media coverage usually wins and we as a country need to refuse to elect these people even if it is the popular choice, if we ever want change.
Agencies do not expect changes to Taser policies
Everyone needs to support the police and sheriffs departments, instead of trying to pick at everything that they do. I will be the first to admit that there are a lot of bad police officers who abuse their position, however the majority are honest hard working dedicated professionals who day after day do one of the most dangerous jobs in the world, not because they pay is great or because they enjoy working in the blistering heat, freezing cold or pouring rain. They do it because they are good people who are willing to put their lives on the line for all of us. As far as tasers go in my opinion police officers need them they save lives. For example would you rather the police shoot and kill someone who is threatening them with a knife when the use of a taser could end the situation with the risk of serious injury drastically reduced. People need to be realistic the criminals already have more rights than us law abiding citizens and the police the Federal appeals court needs to be doing something other than making it harder for the police to do their jobs.


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November 28, 2014
Stay up-to-date with KAKE News:
Friday, May 15, 2009
Investors have pulled more money out of stocks, further chilling Wall Street's spring rally.
Stocks are down Friday as traders who grew accustomed to economic news being "less bad" found little incentive to buy.
The Labor Department said consumer prices in April were flat, as economists predicted. Industrial production contracted less than economists expected.
Investors are worried the market's 30% rally from its March low has little energy left.
The Dow Jones industrial average is down 62 at 8,268. For the week, the Dow is down 3.6%.
The S&P 500 index is down 10 at 883. The Nasdaq composite is down 9 at 1,680.
Two stocks fell for every one that rose on New York Stock Exchange, where volume came to a light 1.5 billion shares.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.


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Snappy Garlic Bread >
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Snappy Garlic Bread
A garlic lover's dream, this zesty loaf is perfect with pizza. Plus, it's a snap to put together at the last minute.
16 Servings
Prep/Total Time: 20 min.
1 loaf (1 pound) Italian bread
5 tablespoons butter, softened
4 garlic cloves, minced
1/2 cup finely shredded part-skim mozzarella cheese
1/4 cup grated Parmesan cheese
1 teaspoon dried basil
1 teaspoon dried parsley flakes
1/2 teaspoon crushed red pepper flakes
Cut loaf of bread in half lengthwise. Combine butter and garlic;
spread over both halves of bread. Top with mozzarella cheese.
Combine the Parmesan cheese, basil, parsley and pepper flakes;
sprinkle over mozzarella.
Place in a 15-in. x 10-in. x 1-in. baking pan. Bake at 350° for
10-13 minutes or until cheese is melted and edges are golden brown.
Slice and serve warm. Yield: 16 slices.
Nutritional Facts:
1 slice equals 124 calories, 5 g fat (3 g saturated fat), 13 mg cholesterol, 227 mg sodium, 15 g carbohydrate, 1 g fiber, 4 g protein.
© Taste of Home 2014


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Friday, 17 August 2012 00:00
Contrary to the Aug. 10 letter from Gotham G.R.&C., I don't believe that this deal between Trump and New York State will "enhance the lives of all Long Islanders." As a long-time Jones Beach lover now in his 70s, Jones Beach has always meant casual relaxation for low and middle-income families to picnic and swim and get away from the city for a few precious hours. A fancy restaurant with Trump's name emblazoned on the front mocks the original purpose of the beach set forth by Robert Moses himself.
Edward J. Thompson, Sr., Farmingdale
(Editor's note: This letter is in response to "Trump On The Ocean Moves Forward At Jones Beach" from Brad Gerstman and David Schwartz of Gotham Government Relations and Communications that appeared in the Friday, Aug. 10th edition of the Farmingdale Observer. The original letter to the editor is also available on the Observer's webpage at www.antonnews.com)


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Lesley alumni Gagné and Strickland to perform with Berklee faculty ensemble on December 13
Monday, November 19, 2012
Performing with Berklee faculty all-stars Danny "Mo" Morris and Jon Hazilla, the ensemble will present twists on classic songs and introduce new compositions.
The concert is free and open to the public, to be held at 8 p.m. on Thursday, December 13 in the Marran Theater at Lesley University, located at the corner of Mellen and Oxford streets, Cambridge.
Strickland is a vocalist, saxophonist, flutist, songwriter and actor who has performed around the world. In addition to radio and television appearances, Stan has performed in clubs and concert halls, including Jordan and Symphony Halls in Boston, Carnegie Recital Hall and Town Hall in New York, and at the Kennedy Center in Washington, D.C.
Gagné has been a professional vocalist for over 25 years and has performed for Philip Glass, Penn & Teller, Barenaked Ladies and NBC-TV, among others.
A pianist and songwriter, Gagné is celebrating the release of her new book that offers a wellness-focused approach to musicianship, based on her Lesley graduate work, titled "Your Singing Voice: Contemporary Techniques, Expression and Spirit." She will sign copies of her book at the concert.
"Jeannie is an extraordinarily talented scholar, musician and educator," said Lesley Associate Professor Dr. Marion Nesbit. "It was a true privilege to serve as Jeannie's core faculty during her studies at Lesley and to relish her success in combining exceptional academic and performance talents with a passionate commitment to creating connections between musical performance, wellness and joy."
Strickland and Gagné are Lesley University alumni who teach at Berklee College of Music in Boston. Morris and Hazilla, the other members of the ensemble, play bass and drum set/percussion, respectively.
The free concert, sponsored by the Self Designed Masters Degree Program of Lesley's Graduate School of Arts and Social Sciences and The Dean of Students Office, celebrates the launch of the group's new collaboration and upcoming tour.
Jennifer Dorman (M.Ed. '09) wins 2015 Maine Teacher of the Year
Teaching the Great Diseases: Lesley and Tufts School of Medicine join forces
Beyond Mythology: Ken Burns's portraits of America
Cambridge ranked in top 20 "Healthiest College Towns" in the U.S.
View all News
Manet Health Center official receives elder services award
Lesley alumna Cynthia Sierra honored with Edythe B. Donkin Memorial AwardThe Patriot Ledger
November 19, 2014
Lesley University Faculty Present at National Council of Teachers of English
Assabet instructors, who have worked with Lesley faculty as part of the Massachusetts Adolescent Literacy Grant, will be guest presenters at the national conferenceThe Harvard Post
November 18, 2014
"Sean Flood: Urban Outlook" on exhibit at Childs Gallery, Boston
Works by Lesley alumnus are a dynamic reflection of the artist's roots in construction and street artArtfix Daily
November 17, 2014
Homeless are subject of new Attleboro Arts Museum exhibit
Photos by Lesley University student Natalie Cohen entitled 'Faces You Walk By' will be on displayThe Sun Chronicle
November 16, 2014
Thoreau's Experiment In Simplicity And Solitude Inspires DeCordova Artists
Lesley University College of Art and Design faculty Oscar Palacio and Deb Todd Wheeler exhibit in "Walden, revisited"WBUR | The ARTery
November 7, 2014
John SullivanDirector of firstname.lastname@example.com
Amanda McGregorCommunications ManagerPhone: email@example.com
Lesley UniversityOffice of Communications29 Everett StreetCambridge, MA 02138Phone: 617.349.8579Fax: 617.349.8522Email


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Humane Society of Bergen County
Animal Adoption in Lyndhurst NJ
- Categories: animal welfare
- Address: 221-223 Stuyvesant Ave. Map
- City, State: Lyndhurst, New Jersey Country: United States Postal Code: 07071
- Phone: 201-896-9300 Fax: Not Available
- WebSite: http://www.hsbcnj.org
- Email: Humane Society of Bergen County Contact: Kathy Johnson
- Description:
The Humane Society of Bergen County is an animal adoption facility in Lyndhurst, NJ. We have many cats, kittens, dogs and other animals available for adoption 7 days a week. We take in as many animals as our small facility allows and as we are no-kill, they are with us until they are adopted. We also offer assistance and information to the public on animal welfare issues including but not limited to spaying/neutering, trap/neuter/release, animal cruelty, etc.
- Online Ordering: Yes
View comments
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DEERFIELD BEACH — A road construction worker was killed after a dump truck backed over him in Deerfield Beach Tuesday, the Broward Sheriff's Office said.
The crash happened around 12:45 p.m. as the 1600 block of East Hillsboro Boulevard was being resurfaced. The accident is being investigated by the BSO traffic homicide unit.


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Humidity 61%
Winds 11.5mph
Humidity 61%
Winds 11.5mph
Humidity 30%
Winds 20.7mph
Jan 5, 2010 8:45 AM by Associated Press
The eastern half of the U.S. is in a deep freeze, and forecasters say it could last the rest of the week.
Waves of Arctic air have prompted freeze warnings in central Alabama and Mississippi. And in the Florida Panhandle, farmers are scrambling to save their crops from temperatures that are dipping into the 20s.
In St. Louis, the mercury could fall below zero later this week for the first time since 1999.
In Nashville, Tennessee, police believe an 81-year-old man with Alzheimer's Disease wandered outside in his bathrobe and froze to death in 12-degree weather overnight. And icy roads have caused fatal car accidents in West Virginia and Washington, D.C.
Parts of New England are under record snowfall. More than 33 inches were dumped in Burlington, Vt., breaking a 1969 record.
The National Weather Service says eastern Kentucky, western Virginia and West Virginia could see up to 3 inches of snow by this afternoon, while western Pennsylvania could see up to 8 inches by nightfall.
43 minutes ago


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Get Creative with Studio KIDS!
Get to know some of the world's greatest artists this fall. Studio KIDS! classes explore NOMA's galleries to meet different artists who will provide inspiration for art projects. Each class features a different medium and participants will learn 2 and 3-dimensional techniques. Register for one class or the entire series. Professional teaching artist, Belinda Tanno provides skill-building lessons and engaging projects. Classes are limited to 12 students.
Call 504-658-4128 or email email@example.com to register or for more information.
Space is limited! Please register by 4:00 pm the Friday before to ensure your child's spot.
Ages 5 – 10 | 10:00 am – 12:00 pm
Cost per class: $25 members / $30 nonmembers
Saturday, August 23
Figure It Out
Get to Know: Hale Woodruff
Learn sketching techniques including human proportions by looking at Hale Woodruff's murals to inspire your own figure drawing.
Saturday, September 6
Boxed In
Get to Know: Joseph Cornell
Explore Joseph Cornell's surreal boxes then create a unique box with collages and tiny treasures found in the art studio or brought from home.
Saturday, September 20
I'll Fly Away
Get to Know: Bernardo Legarda
Discover the winged sculptures created by Ecuadorian artist Bernardo Legarda and sculpt your own winged figure using a variety of textures and feather patterns.
Saturday, October 4
Royal Regalia
Get to Know: Élisabeth Vigée-Lebrun
Visit the portrait of Marie Antoinette to see how Élisabeth Vigée-Lebrun depicts the queen's luxurious clothing and then sculpt a clay figure dressed in the fashions of the era.
Saturday, October 18
Wire Spider
Get to Know: Louise Bourgeois
Meet Louise Bourgeois' spider in the Sculpture Garden and then use wire to sculpt your own eight-legged friend.
Saturday, November 15
Blow Up
Get to Know: Chuck Close
Discover how photorealist Chuck Close creates his paintings using a grid technique. Enlarge a photo of an animal to create a pencil drawing.
Saturday, November 22
Tropical Dreams
Get to Know: Paul Gauguin
Travel to a tropical island with Paul Gauguin by drawing a still life of tropical fruit and then creating a colorful background with painted cut papers.
Saturday, December 13
Little Dancers
Get to Know: Edgar Degas
Be inspired by Edgar Degas' ballerinas and learn how to use chalk pastel to create a dancer.
Class is full! Waiting list is available.


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My dad is 65, could he be entitled to free glasses?
Written answer:
Qualified optometrist Simon Kay BSc(Hons) MCOptom answers this question.
Once you are over 60 the eye test is free through the NHS. Help is only avaible through the NHS (via a voucher issued by the optician) if your father is on certain benefits, a list of which is on the website posted below:


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The key to Valrhona's success lies in its commitment to support and assist renowned pâtissiers and confectioners and in its quest for absolute quality and excellence. As the world leader in Grand Chocolat, Valrhona is perpetually seeking improvement through innovation and maintaining its social responsibility credo. Valrhona's chocolate products feature cocoas that have been carefully sourced and blended to create the distinctive characteristics of its range. As the epitome of chocolate excellence, Valrhona is recognised and applauded for its invaluable contribution to the gastronomic world.
Link : http://www.valrhona.com