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Fulup le Breton



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PostPosted: Sun Nov 02, 2008 9:08 am    Post subject: Economics for Cornwall Reply with quote

Cornish recognition is one thing but economic emancipation is equally as important.

Support your local Credit Union: http://leannewoodamac.blogspot.com/2008/10/support-your-local-credit-union.html

Quote:
Yesterday was International Credit Union Day, so I visited the Treorci branch of the Dragonsavers Credit Union. Dragonsavers is a proper Welsh co-operative with five branches in Rhondda Cynon Taf. The staff were in good spirits, despite the doom and gloom in the economy, peoples’ money is safe here. I've been a member of Plaid Cymru's credit union for years, and I've joined Dragonsavers now too.

Members of the creidt union share their finances through a mutual bond of common ownership. Affordable loans (2% which can reduce down to 1.5%) are issued to members in amounts based on how much they have saved. Loans can come in handy to pay for Christmas or holidays. Credit unions are all regulated by the FSA and are very safe ways of looking after your money. The credit crunch will have no affect on them. They are protected from the reckless behaviour that has prevailed in the City of London, and aren’t involved in any risky investments. Credit unions operate an ethical loans policy so their risks are minimised. Now is a good time to consider joining a credit union. The One Wales government has already provided publicity and support for credit unions to expand- there was a further announcement yesterday that we are aiming to give areas of Wales access to a credit union. The more members a credit union has, the more they are able to provide a greater variety of services. They'll encourage you to save, but the minimum is £1 per week, and loans are available straight away.

Credit unions offer one small step towards a less competitive and more co-operative way of living. I am glad to celebrate them today.


Some other links of interest.

Socially responsible investing: http://en.wikipedia.org/wiki/Ethical_investment

UK Social Investment Forum: http://www.uksif.org/

EIRIS (Ethical Investment Research Services): http://www.eiris.org/

There is now a website that puts people who want to borrow money in touch with those who want to lend, in doing so, cutting out the banks and loan companies.

Zopa, for example, offers signed-up users the opportunity to lend and borrow money online without interference from banks and finance institutions: http://www.zopa.com/ZopaWeb/

Here is a bit about Zopa: http://en.wikipedia.org/wiki/Zopa

The Freecycle Network is made up of many individual groups across the globe. It's a grassroots and entirely nonprofit movement of people who are giving (& getting) stuff for free in their own towns.

Freecycle.org: http://freecycle.org
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PostPosted: Tue Nov 04, 2008 8:12 pm    Post subject: Reply with quote

The following is taken from the Transition Falmouth website: http://transitionfalmouth.org.uk/index.php?name=PNphpBB2&file=viewtopic&t=92

Quote:
Local economic resilience is about individuals being able to trade between themselves as well as businesses, and LETS (Local Exchange Trading Schemes) are a well established way of doing this - Falmouth LETS has been running since 1994 but is currently under-used.

Chris M and myself are working on adapting and enhancing a web based system (as being rolled out by LETSlink UK) that will streamline Falmouth LETS and enable Falmouth LETS members to trade online (in addition to the present "cheque" based system).

We have a fully functional test system running and hope to launch this as part of a new Falmouth LETS site in the New Year.

There will be a meeting at my home in Mylor at 7pm on Tues 11th Nov to demonstrate this "work in progress" and looking at other ways of getting LETS activity back to the levels in the mid/late 90s.

All with an interest in taking this forward are welcome - if you would like to come please email me at XXXXXXXXX or phone XXXXXXXXX for directions if needed as I will be providing food and will need to know how many to cater for.

See http://fallets.letsf.co.uk
for current Falmouth LETS website.

For more about LETSlinkUK see http://www.letslinkuk.net

All the best,


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PostPosted: Fri Nov 07, 2008 4:30 pm    Post subject: Reply with quote

Just to bring to your attention this exellent report produced by the Democratic Audit in Febuary of this year:- Power and Participation in Modern Britian: http://www.democraticaudit.org/download/PP_lowres.pdf

Reproduced below are their comments and conclusions on local/regional democracy.

Comments on local democracy

As we have shown above (see Part 2), ‘local governance’ is scarcely local at all. In the first instance, local authorities are too large to be close to their local populations.

Secondly, they are over-dependent on central government financing which is available subject to central government policy prescriptions and strict financial controls.

Thirdly, powerful quangos at national and regional level determine major policies along with larger local authorities in remote high-level ‘partnerships’ above the heads of smaller authorities; and quangos at all levels determine huge swathes of local priorities and distribute resources accordingly. .

Gordon Brown has committed himself to ‘change’ in Britain’s constitutional arrangements. Nowhere in the state is ‘change’ more essential than at local and regional level. To make a reality of greater participation, especially over major decisions as promised in the governance green paper, we recommend a fundamental reversal of existing policies towards local government and the quango state so that local authorities can be made considerably more autonomous in terms of their policies, revenues and expenditure and protected against constant central government intervention. Otherwise, the government’s proposals will raise people’s expectations too high for existing local authorities to respond to their wishes, except on the margins.

Take participatory budgeting. Hazel Blears, the Secretary of State, has suggested that minor local decisions – for parks, play areas, ASBO policies and the like – would be open to participatory budgeting. Her proposals throw into relief a striking contrast between Britain’s weak and remote local authorities and Porto Alegre, the Brazilian city that pioneered participatory budgeting.

A World Bank Social Development Note states that municipalities in Brazil like Porto Alegre have ‘considerable autonomy over their revenues (raised from local taxes, tariffs and federal transfers) and expenditures’ (1) – and it is this autonomy that makes participatory budgeting there meaningful. The World Bank note and other sources describe a sophisticated annual budgeting cycle with three distinct levels of citizen engagement through popular assemblies at regional and neighbourhood area, regional budget forums and the municipal budget council. Every citizen has the right to be directly involved through electing a representative to the neighbourhood assembly.

Decisions are usually based on needs criteria and direct negotiations between neighbourhood forums that go on to monitor implementation. The budgeting process decided major regional decisions on transportation; education, leisure and culture; health and social welfare; economic development and taxation; and city organisation, as well as neighbourhood decisions. (2)

The proposal for a concordat between central government and the Local Government Association seems to recognise the need for government to give authorities more autonomy. However, the way in which it is framed in the green paper places far more responsibility upon local authorities to satisfy central government than for central government to give formal recognition to local autonomy.

We recommend that as part of its moves towards a written constitution the government hold a public debate about giving local government constitutional protection on the European model and create strong and self confident local authorities according to the criteria of the European Charter for Local Self Government: http://en.wikipedia.org/wiki/European_Charter_of_Local_Self-Government

We have already emphasised the basic principle that consultative and participatory processes should take place within the structures of representative democracy. Direct democracy ought to be complementary to representative democracy and should not be allowed to replace it.


The Democratic Audit: http://www.democraticaudit.com/
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PostPosted: Sun Nov 09, 2008 1:29 pm    Post subject: Reply with quote

Don't know where to put this but its a really good article by Paul Krugman that includes a form of local currency.

Baby-Sitting the Economy: http://www.slate.com/id/1937/

It explains economic fluctuations quite well also. Well worth a read!
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PostPosted: Sat Dec 06, 2008 2:17 pm    Post subject: Reply with quote

Strategy for Losers: http://strategyforlosers.blogspot.com/

Quote:
Helping the Last to Come First in the Ecological Transformation of Society

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PostPosted: Fri Jan 16, 2009 10:08 am    Post subject: Reply with quote

The Association of Cornish Credit Unions: http://www.cornishcreditunions.co.uk/
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PostPosted: Thu Jan 29, 2009 9:41 pm    Post subject: Reply with quote

Transition Falmouth - Short Films and Discussion on Local Economics, Wed 4th Feb, 7:30pm start, kindly hosted by Babahogs Cafe (www.babahogs.com), 19b Well Lane, Falmouth TR11 3DJ...

* Short video about the Cafe Hero Initiative (www.cafehero.co.uk)

* Presentation by Ann Durrant on Kerrier and the Fal Credit Union (www.kfcu.org.uk)

* Talk on Falmouth LETS (Local Exchange Trading Scheme) + live demo of their brand new on line trading site -(www.falmouthlets.org.uk)

+ discussion.

All welcome.
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PostPosted: Sun Feb 01, 2009 9:34 pm    Post subject: Reply with quote

Local Exchange Trading Schemes Cornwall: http://www.letslinkuk.net/sw/cornwall.htm

Quote:
LETS is a way of exchanging goods & services with other people in the community without the need for money.

Local Exchange Trading Schemes help regenerate communities and rebuild the local economy. There are many LETS Schemes running successfully throughout the world.

LETS - Thinking globally, acting locally.

LETS is run by and for local people creating wealth that stays within the area. It puts people in touch with a great variety of resources & skills.

LETS is based on the idea of barter, but it is bigger, more sophisticated, and much more effective! The range of exchange is vastly expanded.

LETS uses cashless trading. Wealth is created directly through trade, no interest is charged and everybody benefits equally.

LETS is a non-profit making community enterprise. Everybody has skills and someone out there needs yours!

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PostPosted: Tue Mar 03, 2009 3:51 pm    Post subject: Reply with quote

From the exellent WhatDoTheyKnow website: http://www.whatdotheyknow.com/request/how_much_retail_profit_is_taken#outgoing-15283

Quote:
Dear Sir or Madam, Please let me know how much corporate retail
trading profit is made out of Cornish consumers each year. My
guesstimate is £400 million, equivalent to £666 per individual
living here. My idea of retail activity involves consumer spending
on: food / non-food in the big 4; clothing and cosmetics; alcohol
and pubs; accommodation and tourism with group-owned hotels; fuel
for cars and home-heating; entertainment and leisure products;
franchise payments etc. etc.

We all know Cornwall is poor, and is likely to get poorer, the
purpose is to establish why. We have the planners saying yes to
more and more non-Cornish businesses replacing Cornish-owned
businesses; this adds to the exodus of more and more profits
leaving Cornwall, making the County and its inhabitants poorer.
Poor consumers demand lower retail prices from more and more
corporates coming in to take even more wealth out of our county and
so the vicious downward spiral continues. The planners need to be
made aware of this to help stop the decline which may result in our
high-streets losing their Cornish identity and culture in as little
as 6-7 years time.

Financial facts please.

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