MUSIC and my CDP220


I’ve started with the Casio Digital Piano, I ve had some brilliant intuition and tuition from my music teacher which is leading me to really get back into playing the piano. She’s given me back the flow and the beauty of the ‘keys’ of B Flat. D major etc, now it’s upto me to get the fingers working.

Separately I need to be able to read the music and am working with the RNIB to achieve that. They will transcribe the music onto a larger font etc so that I can read it – just. So I’m also looking at software to get it on my computer screen. At the moment the transcription is done using ‘Sibelius’ software and that software does not produce ‘musicXml’ format files which I need. We progress.

I’ve just joined Amazon Clod Player and naturally their software and the service offer is superior to anyone else’s. I am in the process of therefore getting all my tracks into MP3 format and can then upload them to my Nexus.

‘Spotify’ who’s service I’ve raved about for two years is now under query, firstly because their screen design is appalling and does not subscribe to the w3C conventions, secondly they no longer sell albums. Amazon do.

I think I’m now upto probably twelve hundred MP3 tracks and I can listen to them without being online.

Next stage is to use Musescore on-screen music to actually play from.

Then the next stage will be to create my own arrangements, down-loading them to Musescore for creating sheet music.!! We’ll have to see whether I can do anything really good. All I know Is that this keyboards, this compter and this software will keep intellectually challenged for years, I may even have to also learn the Theory of Music. ERGH!

Feb 2012 Some thoughts on Albufeira, Portugal. Looking with new eyes.

Updated 21st March 2012. The Wall, of course, can you turn it into a benefit, a feature or a tourist attraction. The only thought I’ve had is to use it for a climbing wall. Invite two laders from six clibing clubs to get their ideas for the routest and how to fix the safety pulleys for the belays; and to see if they want to be invited to have excluive use for a week in return for controlling it’s use.
Feb 2012 Some thoughts on Albufeira, Portugal. Looking with new eyes.

"Alubfeira, looking with new eyes."
A new vision for the young people in Albufeira

“They” have spent a fortune with no immediate returns… worse still, “They” don’t know how to solve the problem “They” created.

Albufeira is aFeb 2012 Some thoughts on Albufeira, Portugal. Looking with new eyes. beautiful town; Due South so no jet lag, and a short flight with short airport transfer; Blue sky; Sandy Beach; Oranges; Clean, fresh and sparkling Atlantic Air; Friendly People; Mediterranean Diet; Wintertime Sun and warmth; good wine and port;

Lots of ‘Me Too’ very little uniqueness,

The Next Generation need to create a vision of what they want.
They’ve got a huge debt problem – so secede from Portugal and the EU and immediately default. They’ve got a vast number of empty properties which need to be filled for the bulk of the year, every year.

The Marina in Albufeira is so bad it’s difficult to know where to start – let’s fill the Albufeira marina with yachts less than 34 ft LOA – moorings free if yachts are made available or local skippers for skippered day charters; let’s paint the blocks white – lets plant orange trees everywhere – let’s move the monthly market down here – also a mobile crane to lift small boats (

Generally de-clutter Albufeira eg wring, cables, street signs, road markings (ban cars and lorries except between …0); plant orange trees everywhere you have an empty space; immediately repair any pavements; reduce the size of the fountains; fix the one desolate sea-front building asap; reduce the bus fares so that people don’t need cars; remove the plastic menu cards and employ staff who can speak foreign languages ( you’re in a global fight for foreign visitors) make the place photograph friendly; three strawberry festivals; fresh dates;

All elected officials and the top three/four layers of Civic servants to resign and retire on one third pensions as their decisions have meant we can’t afford to employ them or pay their pensions – in their place an emergency team creates itself . the APC Albufeira People’s Co-operative gets moving.

If construction developments in Albufeura do not markedly move forward within six months, then APC take-over and using volunteers get them smart and usable, or at least tidier.

Give the problem to your youngsters, they have to clear up this mess and create a good life for their families. One hint, Start with the least cost/ fastest profit items first.

Drivers, waitors and waitresses, skippers and crew, managers, retail people of all types, boatyard staff, entrepreneurs, accountants, lawyers, doctors, nurses, teachers, gardeners, hair stylists, manicurists, agriculturalists, agronomists, water supply engineers, chefs, cleaners, laundry staff,

Hold a Top Chef; Top Restaurant; Top Hotel awards; Top Photograph competition.

Scotland – We want a quick and dirty solution

Scotland – We want a quick and dirty solution

We really can’t stand the sound of this argument going on for years. We’ve had enough already and we want to concentrate on getting out the hole the Scottish Politicians and the Scottish Banks created.

They get their independence, now or within twelve months
We keep everything else. They came in bankrupt and leave the same way
Scottish MPs leave the UK Parliament forthwith
Because of the UK Tax-payers guarantees we keep Natwest, RBS and HBOS
We keep the Scottish named regiments, treated as the Gurkhas
We withdraw our air force, seamen and the submarine base and close our air bases. They can have and pay for their share of the Monarchy and the Royal Family.
No Scot in any UK (now English) Quangos as they all have to resign unless they apply for irrevocable English citizenship
No access to the Pound Sterling.
No Sottish Lords in the House of Lords
No international treaties.
No subsidies for trains, buses or planes crossing into Scotland. They will stop at the nearest station in England south of Hadrian’s Wall
No subsidies for arts, research, sport, etc
No special treatment, the Immigration rules as for EU citizens
No dual citizenship. Any Scot living in England has to opt in or opt out
No subsidies for postal services or telecoms
No right to use the Union Jack in any circumstance
No Credit, all services we need to provide for Scotland need to be paid for in advance because of the risk of default.

What to do about the EU

As far as I can see the Germans have won, With the exception of Frnace, Netherlands, Finland and Denmark they have stripped the southern countries of everything.
They have crucified their populations for daring to beat them at war They have ripped all the assets out of Spain, Greece, Italy, Ireland, Portugal – all the countries that put up a fight.
The Germans will send the Euro to the wall and will keep all the profits. The only solution is for the rest of the world to add a currency tax to all imports from Germany and to recycle the monies to the suffering states.
Later the Germans must be thrown out of the Euro. It’s the debtors who have the power not the creditors.

Exasperation with Scotland and the Scots

Exasperation with Scotland and the Scots

My personal exasperation with Scotland and the Scots has built up over many years. I can only give glimpses at the underlying causes, for example:

my best friend at school had a Scottish father, the family lived in England until the only school good enough for my friend was Edinburgh Academy, nothing in England was apparently good enough

one of my careers was as a Salesman but it was a hopeless task in Scotland for a Sassenach, as they refused to explore the opportunities of the specialist software from England which I was offering

the incredible arrogance that Scottish Chartered Accountants were better than English, now demonstrably rubbish as shown by their utter failure to build up any viable businesses in Scotland. (I wonder whether they need a lower valued currency than the Pound Sterling in order to survive.)

At RBS the Director of Security was forced out for demanding that the Sub-prime mortgages were indeed just that, so ‘Fred the Shred’ appointed his Director of Marketing into that role. Indeed the poacher turned game-keeper, the rest of the story is well-known,

The crazy economic policies of the Scottish son of a Scottish Presbyterian Minister, who seemingly had delusions of ‘Godness’

The gift of £6Bn to the EU on the very afternoon the labour government threw in the towel, another Scot…. and the final comment “there’s no money left!”

Finally the voice and style of Salmond…. “get thee gone.”

Now of course we come to the present day

Fred the Shred to lose his knighthood and his £13m pay-off and any earlier bonuses and pension pot (and that his self-satisfied Chairman gets the sack)

RBS owned by the English tax payer relocates to England

HBOS guaranteed by the UK Tac-payer therefore relocates to England

Barnett formula to be scrapped and payments limited to the average spend in England, immediately and to stop within twelve months

Scots studying at English universities have to pay at overseas fee levels,

Relocate the submarine base to Liverpool, Falmouth, Devonport or Portsmouth, costs charged to Scotland as they are the ones seeking separation, (debt to be fixed in Sterling to protect against devaluation)

Repay the cost of the Scottish Assembly building in full (debt fixed in Sterling)

All the so-called Scottish regiments to relocate south of he border with all their equipment. Recruitment to be largely from Scots , like the Gurkhas,

In the short term halve the number of Scottish MPs to bring them into line with English representation ratio

end the subsidy of Royal Mail deliveries and collections; separate Scottish Rail and charge Scotland for all the track, rolling stock and other assets; end all other hidden subsidies for example BT;

Replace all the Scottish voices on adverts etc. with English voices, eg Devonian, Welsh, Chinese, Afro, European, Indian, to better represent the modern English

Install Border Control along Hadrian’s Wall

In summary the English positively want to be rid of these interfering and incompetent twits. We’re fed up of hearing the their moans, suffering their arrogance and of their greed

Funding Growth – ideas requested by HMG

To :
Funding Growth –
Strategy: create a “local-business society,” a quantum leap for a nation of shop-keepers.

TACTIC ONE: Prominently flag UK goods and services to increase local sales and thus increase local profits

Obviously the traditional suppliers of funds are not satisfying this role and won’t be able to for many ears as they repair the damage of their losses,. Therefore we need a new look. The only place new money can come from is us, the people. It has to come from the people, so lets create a local-business society, a quantum step up from a nation of shop-keepers.
This is an ideal role for David Cameron’s ‘Big Society’ as we need everyone to be involved.
There are only four routes to fund growth:
increase profit
borrow the money
issue shares to raise more capital OR
reduce the levels of stock and debtors, thus using less money
To increase your profit you can increase your prices, reduce your costs, reduce tax rates or sell more.
Let’s take the last one, we can all help achieve this. If every business can be allowed to add the Union Jack (UJ) as a logo to show their inputs of imported goods and services are less than 20% of all inputs for that business. It will be clear to customers at all levels that the product or service with the ‘UJ’ Logo is the one for them to choose.
UK businesses make more sales and make more profits to fund more growth.
The amount of imported goods and services will also decrease as we buy more locally. In addition the government instead of syphoning off some of this profit could give a tax holiday on the increased profits for (say) three years.
Importers would be quick to re-arrange their imports so that the value fal;ls below the 20% level by doing local processing instead of buying it in ready-made.

To :
Funding Growth –
Strategy: create a “local-business society,” a quantum leap for a nation of shop-keepers.

TACTIC TWO: Locally funded “Local Investment Funds”

Obviously the traditional suppliers of funds are not satisfying this role and won’t be able to for many ears as they repair the damage of their losses,. Therefore we need a new look. The only place new money can come from is us, the people. It has to come from the people, so lets create a local-business society, a quantum step up from a nation of shop-keepers.
This is an ideal role for David Cameron’s ‘Big Society’ as we need everyone to be involved.
There are only four routes to fund growth:
increase profit
borrow the money
issue shares to raise more capital OR
reduce the levels of stock and debtors, thus using less money

We have new banks coming along to join the few untainted ones. Let these two groups create Local Investment Funds and then let them issue 5, 10 and 20 (*) year fixed term deposits where the tax payer/ investor gets 100% tax relief on upto £6000 invested each year. These could be named “Pension Bonds” and could be deducted from Gross Pay at any rate per month up to a maximum of £500 per month per payroll member, even pensioners.
The Local Investment Funds could fund loans or buy shares in local companies. They would publish details of their clients “Local Investment Fund Enterprises” (LIFEs) and the relationships with them eg whether and to what value they have loans or shares in them. The LIFs and LIFEs could be overseen by teams of local businessmen and the funds allocated by them. (Note: genuine businessmen not corporate executives or the self employed) and the interest, dividends and profits (and occasional losses) distributed to the LIF investors, free of any taxes.
Client LIFE businessmen could support monthly seminars to explain, once every six months, to their investors the effect their extra funding is having on their individual businesses and for example to report the number of new employees they have taken on.

*Interest rates could be set at the same level as CPI plus 1% for 5 yr bonds, CPI plus 2% for 10 yr bonds and CPI plus 4 % for 20 yr bonds, credited monthly. The Pension Bonds would mature to help provide further pensions.

To :
Funding Growth –

Strategy: create a “local-business society,” a quantum leap for a nation of shop-keepers.

Tactic Three: Name, shame and fine Late-paying Debtors

To Reduce the funding needs for debtors: Name and shame all organisations who do not pay their invoices by the date due. Even penalise them by a fine of fifty per cent of the sum(s) paid late, payable to the Exchequer, so that there’s no pressure on the supplier. (For disputed invoices the payment is paid into escrow.)
This not only reduces the funding need it also increases the velocity of money flowing through the economy.
Local companies will be required to publish details of all overdue unpaid accounts. They could also use the LIF teams and their monthly seminars.

To :
Funding Growth –

Strategy: create a “local-business society,” a quantum leap for a nation of shop-keepers.

Tactic Four: Encourage people who work out of town to think of themselves as ‘exporters’ brining their earnings back locally so that they can be used locally.

Encourage people to be less dependent on ‘imported’ goods and services and thus help their local area become more prosperous with more businesses and more jobs.

Encourage people to become better educated so that they get the job locally rather than a person ‘imported’ from elsewhere though the competition is tough and will increase. The result is less cost to the local society through reductions to their taxes.

We want our money back!(5)

We want our money back! (5)

Originally, say two to five thousand years ago, we all had equal rights and equal benefits based on the land and the sea, equal rights to life and happiness.

Then we had a series of events and activities where a few individuals helped themselves to other people’s wealth and chattels – theft and fraud, but there was no local law to stop them then.

We now know this was illegal, even if the theft was ‘legalised’ by parliament by for example the Enclosures Acts or the fraud was practised by the religions in manipulating the populace through fear or promising to deliver benefits which they couldn’t deliver, which is fraud.

The descendants are still enjoying an unearned benefit so we need to re-correct the situation. We need to equalise everyone’s rights and opportunities.

We want our money and our lands back!

All the current land-owners should be subject to a Land Usage Levy of a few per cent on the value of their land.

We all probably acknowledge that we need a some laws, some public servants, some defence capability, education and health services so why don’t we let the land – the asset owned by the nation, as a whole, fund the costs of these national services. We can let the annual Land Usage levy cover the costs of running the country.

It has been done before and we can do it again. We can also confiscate the church lands as a token gesture for them to apologise fro their misguided ethos and for causing us to join in so many wars.

We won’t actually get our money back but we should never again have to pay any income tax or other taxes on our earnings.

We want our money back! (4)

We want our Money Back (4)

By comparison with the exchange rate manipulation by China and Germany the cost of UK membership of the EU is almost minor.

Economists will never be able to agree on the total costs because the worst element, worse that our direct contributions to a fiscally incompetent and unaudited body, has been to downgrade our international competitiveness because of nit-picking laws that we don’t perceive as relevant.

It also accelerated an increase in public and civil servants, because someone had to exert control over businesses and other organisations to ensure these unnecessary rules were implemented.

It has also caused even more unemployment.

We Want our Money back!

Let’s call it quits if they repay, say, five hundred billion. They can then go on their way. To get the money we just deny them access to our markets and to their assets in the UK.

We can rebuild our manufacturing capabilities and create new industries

We can raise our health service to our original standards; improve care for the elderly; improve our pensions upto their (EU) current levels – if we want to.

Further to get rid of their legislative impact, we pass a law to no longer implement any statutory instrument and other law that originated in the EU, apparently eighteen thousand of them! Then we give our MPs the task of doing the work they were supposed to do over the last twenty years. They can work long hours of overtime and work their holidays. They can really earn the money they finagled from us over the fast fifteen years or so. They need to go through all these laws and re-authorise only those that pass scrutiny by teams of businessmen. Let’s also say that they are limited to one new law per day, so that we. the public, have a chance of hearing about them.

We want our money back! (3)

We want our money back (3)

So yet again we’re being stuffed by the bankers.

Well, we want our money back and we really don’t want you bankers to make a profit from incompetent and fraudulent business and financial dealings.

Simple, we pass a one-off special bankers earnings levy to collect fifty percent of the assets which the bankers and financiers accumulated by dealing in rubbish with sub-prime mortgages and complex derivatives or other complex names, plus investment and loans to weak countries, during the period 2006 to 2012. It can be based simply on a capital value basis on their total assets, not adjusted for ‘mark to market’ adjustments. Avoidance of the levy will incur special fines of two hundred per cent of the levy avoided and.

We want our money back! (2)

We want our money back (2)

So our poor hard-done-by neighbours, the Germans, were unhappy about the financial consequences of the First World War so they went to war again. Now, would you believe it, they were not happy with the financial outcome of that war either, even though they were given vast sums by the Americans to help them back on their feet.

Let’s suppose they vowed never to be in that position again.

They became a very successful, a major, high quality engineering and manufacturing country.

Then the problems started, they were too successful and their currency, the deutsche-mark, became stronger and stronger, so much so it became more and more difficult to sell their goods to the rest of the world.

So how to solve the problem of a strong currency.

Let’s suppose they decided to adopt some weak currencies so that we can keep doing our business internationally at an ‘acceptable exchange rate. We’ll pretend to invent a new political union with the worthwhile objective of stopping future wars in Europe, we can then get weak countries to subscribe to a common currency.

We benefit because our currency stays at the right level (for us). They benefit because they can borrow at very low interest rates as everyone will think that we will bankroll their incompetence. We can carry on depleting other countries strength and diluting their competences. We can attack their manufacturing capability and skills. We can build huge financial reserves and large overseas investments.

A great plan but with one slight weakness – the impossibility of controlling just how much these other countries would borrow to support their way of life. So much that eventually the bakers noticed and found that they couldn’t egt their money back.

Time for Germany to stand back and implement their original plan to “do nothing.” Actually the bill is so huge they probably can’t cover it. It’s currently estimated at two trillion dollars.
But we want our money back.

France, Germany and Spain were complicit in enabling their businesses to bloom in this artificial environmental buying companies and taking over major utilities and strategic operations in the hated England.
It is regrettable for them that to keep the farce going for as long as possible they encouraged their own banks to invest and to loan funds to banks, financial institutions and governments in all the weaker countries. However that is minor compared to the damage they will be able to do to America and Britain. Yet again through our stupid bankers.
Yet again a fraudulent currency exchange rate device has given them a huge benefit.

Well, we want our money back.

To stop any more money going out we put a stop to buying goods made in Spain, France and Germany. Yet again in ‘letters a mile high’ on every piece of packaging and advertising,even for only one component.
Then we confiscate all the assets they acquired using their fraudulent exchange rate device. The assets can be owned by the state and sold at the right time to new investors , or even to the British people, when they have recovered confidence in the ‘only system that works.’

For the long term either Germany will have to accept a much, much higher exchange rate, as the deucheuro. The French, the Spanish economies and the rest will be left to survive on their own as the ‘rest-euro’ as that was the original intention.

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