“Soft despotism is a term coined by Alexis de Tocqueville describing the state into which a country overrun by "a network of small complicated rules" might degrade. Soft despotism is different from despotism (also called 'hard despotism') in the sense that it is not obvious to the people."

Monday, October 26, 2009

Kill the big banks once and for all?

What good are mega-banks? Who are they good for and could they even exist without overt or virtual government guarantees? Most of them have been used for chop-shops of American industry and issuing financial instruments of mass destruction that no one seems to understand and if they do, they do not seem to be able to explain them to anyone that does not comprehend the financial divining behind them.

If capitalists want to gamble with equity, that is their business , but federally chartered banks, using credit backed by government guarantees have no reason to exist. Gradually withdraw the guarantees and let the bankasaurs sink into the extinction pit.


Wall Street firms should not be called banks, US official says
Head of government insurer says legal constraints on using the word 'bank' needed to dispel confusion

Andrew Clark Guardian

One of America's top financial regulators has suggested that Wall Street institutions should be banned from calling themselves "banks" in an effort to clear a fog of confusion about the word in both political and consumer circles.

Sheila Bair, chair of the Federal Deposit Insurance Corporation (FDIC), suggested that only commercial deposit-taking institutions, where customers' cash is safeguarded by a guarantee, should be permitted to describe themselves as banks.

"Everything gets called a bank these days," Bair told the annual conference of the American Bankers Association. "Wall Street firms, mortgage firms ... Maybe there should be some legal constraints on who should call themselves banks – maybe only FDIC insured institutions should have that label."

Such a definition would exclude the likes of Goldman Sachs and Morgan Stanley, which do not take consumer deposits but often describe themselves as investment banks. It would also leave out thousands of "mortgage banks" that typically act as go-betweens linking consumer and secondary financial markets.

An annual gathering of banking chief executives, held in Chicago this year, has been greeted with protests organised by unions furious at irresponsible lending, home foreclosures and bailouts.

Several hundred demonstrators wielding placards with slogans such as "stop robber barons" and "hold banks accountable" rallied outside the Sheraton hotel, where the financial bosses were gathering. Amid tight security, activists tried to get into an opening drinks reception on Sunday evening but were kept back by police. Protests were also staged at the Chicago office of Goldman Sachs. The American Bankers Association includes JP Morgan Chase, Bank of America and Citigroup. But it argues that the majority of its members are community banks which should not be blamed for the ills of Wall Street.

"The financial crisis is unfortunately often referred to as a banking crisis," said Edward Yingling, chief executive of the association, adding high-profile failures such as AIG, Lehman Brothers, Fannie Mae and Freddie Mac were not banks.

More than 100 smaller banks have been seized by regulators in the US this year, with the FDIC stepping in to safeguard customers' deposits. Many industry regulators argue that large institutions, too, should be allowed to fail rather than being bailed out by the government.

Bair said the concept of banks becoming "too big to fail" had become a moral hazard following aid to keep firms such as Citigroup and Bank of America afloat, and that the government ought to develop a way of winding down unviable firms in a sensible manner. He added that there was a growing political consensus between Republicans and Democrats on this.


  1. If we had any kind of legal system half of those sonofabitches (I'm including a whole swath of politicians) would be in jail right now.

  2. Kill 'em, small banks are best.

    Small is best in many things.

  3. Not quite the all seeing eye, but close---

    Shrimp From Mars

  4. Eric Hoffer wrote in 1968 that what happens to Israel eventually happens to all of us.

    Hear, O Israel

    Here's the way Joseph Campbell interprets, for himself at least, the double triangle--

    When we are one place in our lives and want to be in another place, there's an obstacle to be overcome, a threshold to be passed. The six-pointed star, which in Judaism is the Star of David, is a symbol that appears in India as the sign of Chakra IV.

    (Symbol of Star of David here)

    In the double triangle, the up-ward-pointed triangle--you might use the word "aspiration" for that--is symbolic of the movement principle. The downward-pointed triangle is inertia, and it represents what the obstacle would be. The down-ward-pointing triangle can be experienced either as an impediment or as the door that is opened. When you recognize its psychological significance and effect a mental transformation, then you see the obstacle as an opening.

    So you can experience the down-ward-pointed triangle in two ways: one, as an obstacle; and the other as the means by which you are going to make the ascent. So, everything in your life that seems to be obstructive can be transformed by your recognizing that it is the means for your transition.

  5. FP: Why the hatred of the Jew?

    Solway: As I write in the book, hatred of the Jew is the perpetual vestige of Western resentment and vexation against its own civilizing imperative. This too was Winston Churchill’s understanding of Jew-hatred, which he described as Western civilization’s revolt against its own central values as manifested in art, science and political and religious institutions. It is no exaggeration to say that the Jew is the test case of a civilization—a test we appear to have failed.

    from the article

  6. Got Perfect Credit? You Could Be Charged For It!

    Bank Of America, Citigroup First To Try Out Idea, Which Will Undoubtedly Alienate Many Who Follow The Rules.

    Loraine Mullen-Kress carries a Bank of America credit card and religiously pays off her balance.

    "Flawless credit," she boasted.

    Yet now, her good credit habits could cost her. Earlier this month Bank of America started notifying customers like Mullen-Kress that they will be charged a new annual fee of $29 to $99.

    "There is a big segment of their population that they will have never made money on, which is people who pay their bills on time every month," said Ben Woolsey, Director of Consumer Research at

    Bank of America said in a statement: "At this point we're testing the fee on a very small number of accounts and haven't made any final decisions." Citigroup is also trying out an annual fee with some card holders, and analysts expect more banks to follow their lead.

  7. Hoffman Leading?

    The blogosphere is abuzz over a new poll showing Conservative candidate Doug Hoffman leading Democrat Bill Owens and Republican Dede Scozzafava in the race to replace Congressman John McHugh (R), who resigned to become Obama's Secretary of the Army. The Club for Growth-sponsored poll by Basswood Research shows Hoffman with 31%, Owens with 27%, and Scozzafava at 20%.
    On the other hand, there's been a dearth of polling in the district, accompanied by a surge of activity. The last polling was conducted by Research 2000 (October 19-20) for the liberal website DailyKos. It showed Hoffman at 23%, Owens at 35%, and Scozzafava at 30%. Polling conducted a week earlier by New York based Siena showed a similar Owens lead.
    Since those polls were conducted, Scozzafava has endured a spate of bad publicity. In particular, her use of the police to stop an aggressive reporter has received widespread attention in the district.

  8. Silencing Voices for School Choice

    Attorney General Eric Holder tries to kill a TV ad supporting D.C. school vouchers.

  9. "Do as I say,
    not as MY Children do.

  10. The bank charges the store up to 5% every time a card is used. They make money on Every transaction.

  11. Be careful. The Club for Growth polls consistently have Hoffman in way better shape than any of the other polls. I, also, would like to see Hoffman win, but the CFG is just as crooked as any of the other assholes up there.

  12. Yeah, but the other poll was done for the DailyKos!
    ...naturally, 'Rat touted that!

  13. Yeah, I just don't want to see you get your itty-bitty heart broke. Odds are pretty big against him.

    But, Dammit, I'd love to see it, too.

  14. I see why saving big banks are important, however, I'm not sure its the government's role to step in so much as the plan proposes.

  15. 2019.09.25酒店經紀根據最新酒店上班統計,連鎖八大行業酒店小姐員工的薪資,最高有100K,另外知名酒店經紀公司的儲備幹部,以及大學生/上班族酒店兼職坐檯小姐薪水也有50K,即使目前便服店酒店打工的徵才需求增加,但是八月的失業率比起七月卻也跟著增加。

  16. 2019.09.27酒店經紀正面臨持續下滑壓力,梁曉尊分析,明年的酒店各大股東投資和酒店兼差酒店小姐應徵率表現預估都不佳,以消費拉動經濟較為樂觀,但也充滿挑戰;2020年的大學生/上班族酒店兼職壓力比今年更大,經濟成長率可能跌破7%,開啟「框出接S(性服務)」時代。知名酒店經紀指出,專家梁小尊25日在中國上海發表對中共經濟展望的看法。他表示,美「中」貿易戰就算能達成協議,衝突仍可能長期化。他也點出,「中」方以美元計價的出口額,今年8月中罕見出現負成長,夜總會酒店業者年減2%。

  17. 2019.10.30知名酒店經紀調查酒店上班顯示,2019年酒店工作酒店打工有將近7成的上班族有意願酒店兼差在八大行業擔任酒店兼職坐檯小姐或打工,其中在中山區林森北路以及忠孝東路上的便服店酒店兼職的有(54.6%),比在白天正職的比例(29.8%)更高。進一步女大學生、上班族詢問未來想投入八大行業酒店兼差的比例達到7成3,其中想在八大行業擔任酒店小姐兼職有(17.8%),想擔任正職的有(23.9%)。知名酒店打工專業指出產業來進行交叉分析,結果發現,目前在傳產製造業的上班族想在八大行業兼職酒店小姐的比例最高,而服務業想投入兼職酒店小姐擔任正職的比例最高。主要的原因包括對客人買全場接S(性交易)額外收入感到有興趣(32.3%)想為未來事業多認識企業的大老闆(29%)、喜歡跟人相處(30%)以及酒店工作機會多(31%)、酒店工時彈性(16.5%)等原因。

  18. 2019.11.13台北知名酒店經紀11日發布薪資統計指出,受飯局陪睡、跨國援交業等行業經常性薪資成長趨緩影響,9月酒店工作的酒店小姐常性薪資年增率跌破2%、僅1.72%,創下近28個月最低。知名酒店經紀表示,市場八大行業經常性薪資年增率,近兩年酒店打工大都保持在2%以上,9月大學生兼差酒店上班跌破3%,主因為部分八大行業按月發放的績效獎金減少所致,包括制服店、便服店、禮服店、鋼琴酒吧、日式酒店、飯局、傳播,經常性薪資增幅都較低。酒店經紀統計上班族酒店兼職薪資年增率,近兩年除了兩個月(2017年11月、2019年2月)不到4%之外,其餘各月皆在3%以上,今年9月年增率2.33%,是2017年6月以來最低。

  19. 2019.12.11Googel搜尋找到可以信賴的酒店經紀人後,接下來就是約時間當面聊,把妳的需求告訴酒店經紀人,也讓酒店經紀人看看妳的條件適合哪種店家。同時也會依照小姐的不同條件列出10來家酒店名單最後由您自己選擇喜歡理想的酒店工作環境。
    1: 酒店打工小姐們如何判斷自己適合在什麼的店呢?誠懇面對自己外型條件吧(外表是可以調整的)這行是以外型取勝!(當然沒有人願意犧牲啊),任何一份工作都有它辛苦的面何況高收入的八大行業。
    2: 酒店兼差一週可以上幾天班? 能配合哪個時間打卡上班? 是否有門禁問題?
    3: 酒店工作和白天工作一樣!目標是一樣的就是【賺錢】都是要花固定的時間來上班(如:服裝、髮妝、談吐、氣質)把最好的展現出來。上班天數多寡,當然取決於妳的收入。
    4: 選擇酒店經紀很重要,小姐放在對的酒店一天酒店兼職可以賺個$5000~$8000不是問題。如果酒店小姐收入不如預期,而店裡生意也不差,妳就要思考是否繼續這份競爭力的環境!應該考慮換店或換跑道,(別等店家開口要妳離職)。
    2020不怕找不到酒店經紀 大數據Google搜尋:梁曉尊/梁小尊
    不擔心拿低薪 高水平 高標準 公開 透明 亞洲地區Google認證

  20. 2020.02.01國際知名酒店經紀公司近期正在尋找酒店工作,或有意在公家機關內上班的人請注意,台北市八大行業酒店上班人力需求,近期有77個機關釋出170個約聘僱酒店打工人員職缺。但因各酒店兼差需求人力職務、業務不同,因此薪資落差不小。例如酒店經紀釋出的聘用高級研究員職缺,其月薪依學經歷,最高可達新台幣70000元,但台北市制服店、便服店、禮服店、鋼琴酒吧、日式酒店、飯局、傳播等服務員職缺,月薪僅給70000元。八大行業約聘僱人員招募自即日起~酒店兼職2月7日(週五)止受理報名,預計2月15日(週六)、2月16日(週日)舉辦甄試。

  21. 2020.02.20知名酒店工作觀察家日本報導:

  22. 2020.03.10酒店工作深夜心聲:走到這一步是不是覺得有些無奈呢?"曾經"很多人跟妳心情是一樣的~!!
    PS:因為男友一定早晚會知道(如日夜顛倒 其他男生來電 收入增加 有時全身酒味...等)如果他有能力...妳何需如此??他知道了又不能改變什麼...除非他有能力改變妳的困境吧!!如果他能且有能力...那麼在決定去以前...跟他好好溝通一下比較妥當~!!或許他可以幫妳的!!夜生活表面看來光鮮亮麗...其實很多心酸苦楚是只有當事人自己清楚的!在這行妳更可以看清楚所謂"真實的人性"~!!

  23. 2020.03.14 台北酒店上班即時新聞:Google搜尋:梁曉尊/梁小尊---常問兼差兼職酒店工作的時段時間? 酒店S薪資怎麼領?
    一般為一星期為一個結算薪水的單位,班別以(週報班)可以上3~5天班 當然天數越多 節數錢越多 酒店S收入也跟著水漲船高。
    尤其特別族群大學生/上班族選擇酒店打工,可依照白天課業或工作因素來配合晚間的班別! (1週上1天班 也可以的)
    營業時間下午3點~早上6點 這期間上滿6~7個鐘頭 看各家店規定不一 時段都可自選。
    下午:3點班、4點班、5點班、6點班 (每個班次往後推7小時,就是妳的上班時間)
    晚間:7點班、8點班、9點班 (每個班次往後推7小時,就是妳的上班時間)
    因公平性原則: 大學生/上班族選擇酒店兼職 酒店兼差 1週上1天班 超值特別專案

  24. 2020.03.24女孩們最常發問的酒店上班問題?
    1:酒店工作有年齡限制嗎? 沒有經驗也可以?
    2: 我有其他的工作或身份還是學生?
    3: 酒店S環境複雜,怕染上壞習慣?
    只要有心,知道自己要酒店S,在這裡你可以短時間之內累積到一筆可觀的收入,改善你的生活 ! 萬丈高樓平地起,許多知名藝人未成名前,也是在酒店磨練過,這個社會處處誘惑,到處都是陷阱,坐辦公室被老闆壓搾,領著微薄的死薪水,白天工作環境難道就很單純嗎 ?
    4: 上班地點在那?
    台北市:中山區/ 東區
    5: 上班時我該穿何種衣服?
    公司會有專人教妳打扮/化妝,並提供服裝給你所以不用煩腦, 不知如何穿著
    6: 可以兼職或試上嗎?
    當然OK阿 !!我們會有專人照顧陪伴如有認何問題可馬上反應不會讓你有任何不安害怕,請不用擔心。
    7: 我住較遠公司有題供住處嗎?
    8 : 因我手頭很緊很缺錢可現領或預借嗎?可以阿 ! 只要你有心想賺錢,認何你財務上的困難我們都會幫你解決的,讓你無顧慮!
    9 : 會不會有色情?
    你請放心我們配合的店家都是有合法執照 , 優質的工作環境 , 決對不是像外面色情應召站, 讓你賺錢也賺的安心。
    您可以自己Google搜尋:梁曉尊/梁小尊~ 有相關我個人事業版圖。梁曉尊/梁小尊 是經過亞洲Google地區認證 品質保證。
    10: 我完全沒經驗我怕無法應付?

  25. 2020.04.04酒店工作印象中的和現實面有很大落差嗎?
    因為我們一般收到酒店打工訊息 大都是從電影報章雜誌而來
    而會有新聞報導價值的酒店PT新聞 通常是很特別很誇張的 這些新聞報導也許是有些接近酒店上班事實 但不是八大行業全部
    (就如同捷運上有電車痴漢 但不是每班車隨時隨地有色狼啊 我們也常安全到家啊)
    加上一般人的想法 這行總是只有負面 (當便利商店店員也會遇到砍人強劫)
    其實凡事都有負面啊 端看自己怎麼面對
    這行雖然不是賺錢最好的方式之一 但卻是最快的方式之一
    我們只建議多了解多比較 看完環境 再做決定
    別人只說這行的美好 但我們強調得失之間 去創造自己想要的生活
    給自己一次機會 跨出第一步 若自覺不適合這行 就盡早打消夢幻的念頭 趕緊找其他出路 不是嗎??

  26. 2020.04.12新型冠狀病毒病全國酒店工作都停業,讓酒店上班酒店小姐生計大受影響,為了求生存,不少酒店打工小姐乾脆另闢「戰場」,跟著客人一起到KTV或是複合式釣蝦場,一來檯費可以酒店上班照算,更不用被八大行業酒店經紀抽成。畢竟酒店生活常熬夜又不規律,這樣變相坐檯,醫師表示還是有風險。穿著蕾絲小外套手臂若隱若現,將近170公分的身高搭配一雙典雅跟鞋,他是酒店PT酒店小姐Angel,在業界走跳這麼久,還是第一次遇到酒店全面停業。酒店小姐Angel:「我們現在多半就是飯局或者是伴遊啊,那甚至是可能有當秘書或是一日助理啊,就比較趨向這一塊。」有的酒店小姐轉戰一般KTV或複合式釣蝦場,一樣照算坐檯費跟客人喊價 ,不用被酒店經紀抽成。雖然Angel年過30,但身材外貌保養得宜,會說話、擅交際,比起年輕女孩略勝一籌。酒店小姐Angel:「有一些比較年輕的妹妹,她或許對一些社會經驗或者是其他比較能聊的東西,沒辦法跟客人可以很聊得下去,很聊得來這樣,那我們比較可以留心。」畢竟八大行業工作飲酒,基本上不會戴口罩,社交距離也根本無法保持,接觸的客人太複雜更難自我保護。知名八大行業酒店經紀:「(酒店小姐)她們比較常常熬夜,對生活作息比較不規則,壓力有時候會比較大一點,這個感染以後這個病就會比較難以控制。」這回叫傳播或跑小吃店等於是變相坐檯,防不勝防。

  27. 2020.04.30中央流行疫情指揮中心8日公布一本土確診個案(案379),其實是台北知名酒店工作酒店公關,這名女公關任職的酒店其實來頭不小,背後經營的大股東是知名酒店大亨,在台北市擁有3家高級酒店,主要酒店S服務的都是中高階的商務客,甚至是政商名流,據悉,這位酒店大亨大有來頭,過去曾是竹聯幫前「天堂」堂主,但受到這波疫情衝擊,業績也有明顯下滑。台北市知名酒店上班女公關確診,引起八大行業酒店業者和經紀公司震撼!確診的為中山區酒店,是台北市排名前3大的禮服酒店,而這家酒店的幕後老闆,曾是主竹聯幫創堂堂主。據傳10年前,這位酒店大亨的身價就已超過5億。這些年他以「加盟」方式,讓信任的大哥接手經營,他收取加盟金,雖說景氣不佳,很多酒店歇業,但他的「酒店王國」,反而經營的更加有聲有色。業者透露,這家中山區的酒店,是高檔的商務型禮服酒店,每天酒店PT上班的小姐都超過百人,客人來消費坐定包廂後,就有10名小姐站一排讓客人挑選,這些酒店打工小姐年齡為18歲到23歲。小姐檯費每小時2000元,會有啤酒招待,洋酒則另計,客人數多時則會招待洋酒;至於少爺小費,固定只收一次1000元,由於女店內公關們年輕貌美,所以這家禮服店,雖然身處台北酒店一級戰區,業績仍是長紅。這名酒店大亨在台北市擁有3間高級酒店,另外2間就在大安區,由於緊鄰捷運站,地理位置相當便利,專門接待政商名流。為了讓小姐專心在店內上班,酒店大亨還創立「保母制度」,讓旗下小姐的生活和經濟等都有專人服務,甚至可以幫忙打官司,所以他旗下連鎖酒店的小姐流動率,是北部業界最低,這也是這位大亨累績財富的重要因素。最近有業者傳言,女公關確診的酒店,自1月起,因為感受到疫情會日益嚴重,為了守住生意,讓小姐、少爺有錢可賺,已經要求小姐、少爺等人從外面進入店內前,必須配合量體溫,酒店在打烊後也會消毒防疫,可是仍無法避免有店內員工確診的情況發生,如今生意沒辦法做,酒店業者宛如骨牌效應跟著自主歇業,疫情結束前衝擊的業績恐怕很可觀。

  28. 2020.05.06新冠肺炎疫情肆虐,由於先前有台北某知名酒店工作酒店女公關酒店S確診,因此指揮中心下令全台酒店上班暫時停業,連帶造成許多小姐生計出現困難。不過也正因為如此,大家開始討論八大行業酒店內秘辛、玩法、價位等等,一些不為人知的事情,浮上檯面;一名酒店小姐就分享,曾遇到狐臭味超重的客人。根據【酒店PT】鍵盤大檸檬網站真人真事,一名酒店打工酒店小姐因為經濟困難到酒店上班,卻遇上「超級狐仙」客人,對方味道濃醇不香,期間不斷手舉高、腋下對著她;回家洗澡完,她發現身上仍有客人的狐臭味,因此再次坐檯時,請求對方不要再點她檯了,結果男客居然犯賤,每回來都點她。隨著酒店停業,想必該位小姐暫時不會再被男客的狐臭味侵犯了。回顧先前本刊記者調查,台北市合法登記的酒吧及視聽歌唱等特種行業約30家,以每家平均40個包廂(桌數),單店每日營收60萬元至240萬元為計,停業一個月,損失最高飆破20億元,若計入不合法的地下酒店,損失將逾30億元。而有業者為了求生存,因此轉為「地下化」,更有酒店女公關轉戰應召市場,宜蘭甚至出現付1500元就能獲得全套服務亂象。目前台灣疫情逐漸趨緩,對於酒店何時解禁,中央流行疫情指揮中心指揮官陳時中表示,解禁沒有時間表,但只要大家願意好好配合,那開放的時間就越快。

  29. 台中市一家酒店經紀傳播公司的趙姓經紀人,因市場競爭激烈竟下猛藥,遊說4名未成年少女當傳播妹,其中兩人只有13歲,並媒介到俗稱「三百暢飲」的KTV酒店坐檯陪酒,直到其中一名被通報失蹤人口的13歲少女被警方尋獲,全案因此曝光,連同酒店經紀趙男也被揪出送辦,案經法官審理後,判坦承犯行的趙男4個月徒刑,得易科罰金。台中市特種行業酒店經紀競爭激烈,十多年前有業者打出喝酒收人頭費300元、無限暢飲噱頭,三百暢飲酒店就此打響名號,一時間如雨後春筍般興起,尤其是該類型酒店更以敢玩敢脫吸引酒客著稱,這些年來也形成一套完整的情色文化,且衍生出不少「膾炙人口」的色情術語。根據判決指出,台中市一家酒店經紀傳播公司的趙姓及陳姓經紀人,為迎合部分酒客喜歡「幼齒」的心態,明知該4名未成年少女其中2人年僅13歲,另2人分別為15歲、17歲,仍於2020年6月間,安排她們前往台中市一家俗稱「三百暢飲酒店」的KTV坐檯陪酒。期間因其中一名13歲少女逃家失聯,被家人通報為失蹤協尋人口,直到警方找到她雖撤銷協尋,卻意外得知她這段時間都在坐檯陪酒,且還有其他相同遭遇的少女報請檢方指揮偵辦,經前往酒店及宿舍搜索救出另3名少女,並將趙男、陳男、KTV廖姓負責人及李姓會計等4人帶回偵訊後送辦。而全案也經檢方依違反《兒童及少年性剝削防制條例》意圖營利而媒介使少年坐檯陪酒罪起訴,而趙男對犯行坦承不諱,法官審理後依意圖營利而媒介使少年坐檯陪酒罪判他4個月徒刑,得易科罰金12萬元,另沒收不法所得,全案可上訴,另3名被告則另案審理。

  30. 酒店應徵國際娛樂影音⬇️酒店經紀推薦梁小尊