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Friday, 5 November 2010

Trust Me I'm A Banker? Or Trust A New Banker! "Ethical Bank"

What the the informed know and understand during these cycles, is that unique, desirable, aspirational, prime, ocean frontage, country estates, must have examples historically still perform. Ultimately they stand the acid test of time. One Banker for example advised and informed me they accessed their entire investments portfolio over a period of ten years, the last decade and clearly their ocean frontage investments by far out performed any other investment within their portfolio. We are not purely talking bricks and mortar asset classes either, all other types of investment were calculated. I've devised an austerity package and it's for shareholders and depositors, the real people that take the risk. By entrusting their hard earned cash and savings, plus pensions with somebody else. I've continually asked the question and continue to ask the question "What Value Do Banks Really Have?" For if we really assess their true performance over the past decade, very little in actual fact has sustainably and economically been truly and meaningfully accomplished! Prudence, caution and conservatism has gone out of the window. Too much emphasise is placed on individuals, stars, traders who take a speculative punt with other peoples money. CEO's are described as Entrepreneur when they should be the shrewdest of bean counters. My interpritation of an Entrepreneur is Barrow Boy who started with nothing and made something out of that nothing. In my mind the intrinsic value that banks have are sophisticated automated systems to speedily process other peoples money. Not intelligent, bright, sophisticated individuals who have clearly failed the aptitude and competency test.

So if it's our money that effectively saved the day, why is it we do not have access to our assets? And why do banks still take top heavy fees? Plus reward themselves with ridiculous bonuses and salaries? For example by creating a syndicate of investors and depositors, they share the overall classes of the assets we acquire, for and on their behalf, whilst taking a modest or humble fee. For in essence without our money banks have not historically created the true value they were devised and created to achieve and maintain, social, economic, environmental responsibility and community harmony. Surely it's plain to see their fees, perks, salaries and empires are unsustainable. The only viable way to reform banking is by creating other banks that lead by example, reform the dinosaurs who are not only devouring the World but have now ended up devouring each other and themselves! Less is more value, for shareholders, depositors and the Banking system.

I believe the World is screaming out for an honest, ethical, valued and principled brand. An "Aspirational Eco Environmentally Iconic Sustainable Brand" that leads by example, valuing it's shareholders and depositors, plus rewarding them, more so recognising and honouring their invaluable contribution. Beyond it's employees and or principals, quite a rarity in this day and age, away from the self serving culture!!! A simple method I've devised rewards pledge holders through bricks and mortar, plus land security. In value terms via title and deeds, which in essence through this syndication or co-operative sets a precedent and a theme, plus indicative value against certain asset classes identified to be acquired. Again forget valuation it's only a guide or a gauge, not a 'cast iron guarantee' that prices will not fall. "Something is worth what somebody is prepared to pay for it" assuming they are not mortgage or finance dependant?"

Too boot, we also intend to provide stocks and shares, a 2nd asset class by the same token. Thus giving pledge holders two tradable commodities, therefore rewarding and incentivising the real benefactors and beneficiaries the shareholders and depositors. Not the employees or principals which none of these sophisticated transactions would be possible without investor or depositor funds. Take for example, hypothetically if there were 100 potential pledge holders who contributed towards a syndicate or co-operative that looked to acquire parcels of land within a scheme, whilst commissioning an entity to tailor and bespoke an energy efficient home within a project that potentially became or aspired to become a green community totally self sufficient and sustainable from cleantech and renewable energy. Those 100 people would then therefore set a precedent and a theme, plus indicative value via comparable and like for likes that do not exist!!! (It's All About Creating A Market With differentiating factors) "Again something is worth what somebody is prepared to pay for it" assuming they are not mortgage or finance dependant?"

Documentary "The Spirit of Business & The Values of Principles"

Aim to be Michael Moore of Scotland, not mythological, true to myself, and my beliefs for a very successful and progressive Scotland via unique innovation, ideas, concepts and visions, that will continue sustainable lasting and meaningful legacies for Scotland! Through macro and micro initiative and "Method of Operating" being ignored or traceable, organic locally sourced incentives being wasted. We will be exploring Banking, Finance irregularities, and catastrophic failures, plus continual self centred preservation monopolies. Through to humongous calamities by bureaucrats, politicians via continual errors in judgment, detrimental to our wealth and well-being. Plus business and planning processes and the inconsistencies via a multitude of planning and business applications that have no consistent logic or coherent pattern? Scholars and Academics, Historians, Physicists, Psychiatrists through to various Professionals from different specialist areas and fields and Business People, plus ordinary folk will be involved in the process and partake via interviews. Wishing to contribute towards making a meaningful difference, evoking, plus proving significant change for the better of us all.































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































Should Donald Trump have been given the go-ahead for his golf resort?

The Energy Wall

The Energy Wall
Micro Wind Energy Renewables Set Within The Landscape

Local Heroes

The spirit, camaraderie, unity of the residents at Menie has not truly or honestly been captured. We intend to signify their courage and conviction in the face of belligerent and arrogant tyranny.















The World Need a Jolly Green Giant

We don't have a "Jolly Green Giant" Corporation but we do need an Eco Environmentally Sustainable Iconic Brand, with ethical values and principles via it's environmental stance.



Angels Of The North "Scottish Angels & Saints"

Calling Scottish Patriots romantic & passionate about Eco values. Creative enlightenment revived, vigor & valor of our spirit, culture, heritage and history, renew innovation. Takes one icon to act.































The Energy Sails & Awnings

The Energy Sails & Awnings
Micro Wind Energy Renewables Within A Sailing Context

Thinking out of the box

Therefore I have formed a Co-operative/Consortium like motive operandi applying inherent value and intrinsic value towards it current pledgeholders, future shareholders and anticipated investors. Beyond the mere principle value of itself and Co-operative/Consortium Partners, who share the same values and principles towards executing, performing and delivering overwhelming and unconditional current pledgeholders value, future shareholders and anticipated investors value and returns, beyond mere monetary values and principles but more importantly Ecological and Environmental dividends and returns. Towards making a substantial and prolific difference, through evoking, plus provoking necessary change in attitude, behaviour, culture towards the ecology, environment and the built environment.

Your Country Needs You

Ask not what your country can do for you but what you can do for your country. Or go further what can you do for the people of this World? "Be a Social Responsible Entrepreneur" Action!







I Stand For Goodness What Do You Stand For?

We all have the ability to stand up and be counted. Lift our heads above the parapet, make a difference, be that change. Especially unique and innovative ethical ideas for the better of all.







Other Local Heroes

Extremely admirable the protest and statement Doctor David Kennedy made. I would concur that Donald Trump is by no means an exemplar or shinning idealogy for students to admire or follow.

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