November 2014 – Go Lean…Caribbean

Month: November 2014

Blog # 200 – Ignorance is no excuse – Milestone in Enlightenment

Posted on November 28, 2014 in Government, Planning

Go Lean Commentary – Number 200

We have now reached a new milestone in the distribution of the blogs from the publishers of the book Go Lean…Caribbean, 200 submissions. That’s a lot of blogs and a lot of enlightenment, (see Appendix below); there is now no excuse for ignorance in the Caribbean region. (Enlightenment is defined here as the opposite of ignorance).

The Go Lean book stresses the subject of the “Age of Enlightenment” (Page 170); relating the cultural movement of intellectuals in the 17th and 18th centuries, (between 1650 to 1700). Enlightenment thinkers used logic and reason to challenge ideas grounded in nothing more than ignorance, superstition, arbitrary tradition and dogmatic faith. There is now a new need for an Age of Enlightenment for Caribbean society as ignorance, superstition, arbitrary tradition and dogmatic faith has re-emerged as a negative community ethos.

The Go Lean book posits that 2008 is the pivotal year for Caribbean enlightenment (Page 136) – see the VIDEO below. Our Age of Enlightenment unfurled since 2008. This acknowledgement is recognized at the outset of the book with this Declaration of Interdependence (Page 11) opening statement:

xxi. Whereas the legacy of international democracies had been imperiled due to a global financial crisis, the structure of the Federation must allow for financial stability and assurance of the Federation’s institutions. To mandate the economic vibrancy of the region, monetary and fiscal controls and policies must be incorporated as proactive and reactive measures. These measures must address threats against the financial integrity of the Federation and of the member-states.

This roadmap was constructed with assessments, community ethos, strategies, tactics, implementation and advocacies to mitigate the ignorance, superstitions, arbitrary traditions and dogmatic faith of the Caribbean status quo.

One example of dogmatic faith, the focus of this commentary, is the elevation of the view that the United States of America is the panacea of Caribbean ills. As a result, the book and aligned blog commentaries elaborate on how the countries of the Caribbean region emerged as parasites to American-ism, rather than protégés for an advanced society. (The assessment is that even the US territories of Puerto Rico and the Virgin Islands are dysfunctional in their societal engines).

The Go Lean book is not anti-American, on the contrary, we look to the US as a role model of democracy and seek to emulate provisions of the US Constitution (Page 145). The book simply asserts that the Caribbean member-states must “man up” and assume our own destiny, not look for someone else, the US, to solve our problems of economic, security and governing dysfunction. This theme has been a frequent topic for blogging by the Go Lean promoters, as sampled here:

American-ism – Miami’s Success versus Caribbean Failure

A Lesson in History: Deferred Gratification as a Community Ethos of WW II

Protégé Model for Caribbean/Latin America: Korean Example

Applying Lessons from 2008 – Depth and Breath of Crises

Sports Role Model – US versus the World

America’s Navy – 100 Percent – Model for Caribbean

American Self-Interest – Senate bill targets companies that move overseas

‘Prosper Where You Are Planted’ – Book Review and Community Ethos

Caribbean loses over 70% of tertiary educated citizens to the brain drain – Mostly to the US

Open the Time Capsule: The Great Recession of 2008

Caribbean Reality – Only at the precipice, do they change

Ailing Puerto Rico open to radical economic fixes

Book Review: ‘Wrong – Nine Economic Policy Disasters and What We Can Learn…’

10 Things We Want from the US and 10 Things We Don’t Want from the US

Change has come to the Caribbean region; an upgrade to the Caribbean intelligentsia.

The book Go Lean…Caribbean serves as a roadmap for the introduction and implementation of the Caribbean Union Trade Federation (CU) and the Caribbean Central Bank (CCB). This Caribbean empowerment roadmap has 3 prime directives:

Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines.
Improve Caribbean governance to support these engines.

The book described both the CU and CCB as hallmarks of technocracy, a commitment to efficiency and effectiveness. The book itself is 370 pages and covers 144 different missions.

The following is a sample of these specific details from the book related to this commentary:

Community Ethos – Deferred Gratification	Page 21
Community Ethos – Consequences of Choices Lie in the Future	Page 21
Community Ethos – Return on Investments (ROI)	Page 23
Community Ethos – Lean Operations	Page 24
Community Ethos – Ways to Impact the Future	Page 26
Strategy – Vision – Confederate 30 Member-States	Page 45
Strategy – Missions – 144 Advocacies	Page 457
Tactical – Confederating a Permanent Union	Page 63
Tactical – Fostering a Technocracy	Page 64
Implementation – Ways to Pay for Change	Page 101
Implementation – Ways to Deliver	Page 109
Planning – 10 Big Ideas for the Caribbean Region	Page 127
Planning – Lessons Learned from 2008	Page 136
Advocacy – Ways to Grow the Economy	Page 151
Advocacy – Ways to Create Jobs	Page 152
Advocacy – Reforms for Banking Regulations	Page 199
Advocacy – Ways to Impact Wall Street	Page 200
Advocacy – Ways to Impact Main Street	Page 201
Appendix – Credit Ratings Agencies in 2008	Page 276

It is understandable that the reference to “parasite” is negative. The book describes positive community ethos that we advocate for adoption. But the “parasite” reference is appropriate; the disposition of the host, directly impacts the disposition of the parasite. The financial crisis of 2008, initiated by American financial defects, severely crippled Caribbean economies. Even now, despite the recovery in the US, Caribbean economic malaise lingers.

A protégé disposition is so much more preferred. We should apply the best practices of American society, and other cultures as well. (The Go Lean book directly refers to Canada – Page 146 – and the European Union – Page 130).

This quest for Go Lean…Caribbean is huge, making our homeland a better place to live, work and play. This is not easy, this is heavy-lifting!

It is time for enlightenment, Caribbean style – too much is at stake!

Yes, “Hope and Change” has come to the Caribbean; see the 2008 version of “Hope and Change” manifested in America, in the VIDEO below:

Video: 2008 Presidential Election Acceptance Speech – http://youtu.be/GNtJRPcPCcw

The new President-Elected Obama declared that night on November 4, 2008: “A new dawn of American leadership is at hand”…

For the Caribbean, we say: Ditto!

Download the book Go Lean … Caribbean – now!

———————————–

Appendix – Categories and Counts of all Go Lean Blogs (as of November 28, 2014); 1 Blog = Many Categories

Economics	76
Ethos	66
Government	63
Implementation	39
Industries	53
Locations	34
Planning	63
Social	58
Strategy	40
Tactical	29

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History, Milestone

Geek the Library

Posted on November 28, 2014 in Ethos, Government

Go Lean Commentary

First, understand the definition of “Geek”.

geek as a VERB

To love, to enjoy, to celebrate, to have an intense passion for.
To express interest in.
To possess a large amount of knowledge in.
To promote.

The following source material describes how impactful libraries are to modern living:

Whatever you geek, serious or fun, the public library supports you.

The ‘Geek the Library’ project is a community public awareness campaign aimed at spreading the word about the vital and growing role of public libraries, and to raise awareness about the critical funding issues many U.S. libraries face.

The goal of the campaign is to inspire a conversation about incredible public libraries and their urgent need for increased support. It is hoped that people will tell what they “geek”, how the public library supports them and their community, and that everyone benefits from the services their local library provides.

The campaign is sponsored by OCLC, a nonprofit library cooperative (see below) that has provided services to help libraries deliver more to their users for four decades. The campaign, supported by a grant from the Bill & Melinda Gates Foundation, is partnered with Chicago-based marketing communications agency Leo Burnett USA; this is a professional, technocratic endeavor.

Public libraries inspire and empower. Everyone is welcome. Almost anything can be explored. And they play an important role for individuals and for communities. Consider this sample:

Job Center – As the economy continues to struggle, many libraries are transforming into job centers. Online job application assistance is only the tip of the iceberg. Some libraries are developing specific job searching areas with helpful resources such as classes and online portals to help people sort through the clutter and get back to work faster.

Access For All – Historically, ‘access for all’ is what drove the establishment of most public libraries. This mission still rings true today. For many Americans, their local library is an important source for free public access to computers and the Internet in their communities—and for some, it is their only access.

A Personal Touch – Last year, librarians helped millions of people find out more about what they geek, discover new interests and search for jobs online. Librarians are passionate about their communities; they are passionate about what you geek and they are passionate about you.

The Possibilities Place – In addition to traditional library resources, such as books and children’s programs, many libraries offer innovative geeking opportunities for teens and adults. Live online homework help, genealogy research or financial planning classes.

Community Center – The public library is often the heart of the community—bringing people together in a way no other community organization can. You can get your geek on. You can hold a formal meeting. And you can gather with colleagues, friends and neighbors.

Return on Investment – More jobs, higher property values, better schools, increased wages … the public library plays a role in all of it. Many studies support the idea that dollars spent on libraries provide solid economic returns to the community.

OCLC Project: Geek The Library – Online Source (Retrieved 11/26/2014)
http://geekthelibrary.org/geek-the-library/index.html

Video: Geek the Library – http://youtu.be/5K-gKNIuaxA

——————————

Source – OCLC = Online Computer Library Center (www.oclc.org):

This nonprofit library cooperative provides research, programs and services that help libraries share the world’s knowledge and the work of organizing it.

In 1967, a small group of library leaders founded the OCLC as the Ohio College Library Center with an ambitious public purpose to:

improve access to the information held in libraries around the globe, and;

find ways to reduce costs for libraries through collaboration.

This vision launched an effort to share the world’s information via library collaboration—first in Ohio, then across North America and today in 113 countries. The first step was to combine technology with library cooperation through shared, computerized cataloging. Today, the OCLC cooperative helps libraries define their place in the digital world with new cloud-based services that amplify and extend library collections and resources.

OCLC members represent a cohesive hub of library data, activities and interests. This helps increase the collective influence of libraries, making it possible to develop partnerships and programs that would be impossible for most libraries to achieve alone.

The book Go Lean…Caribbean posits that libraries must play a role in the roadmap to elevate Caribbean society, to help bridge the Digital Divide. The book is published by the SFE Foundation, a community development foundation chartered to bring change back to the Caribbean. The book serves as a roadmap for the introduction and implementation for the technocratic Caribbean Union Trade Federation (CU). The prime directives of the CU are declared as following 3 statements:

Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines.
Improve Caribbean governance to support these engines.

Libraries fit in the vision of a technocratic federal government. There is more focus on virtual structures and technology. Multi-functional libraries fit the vision to allow stakeholders access to CU government data/information technology services, and serve as a portal for e-Learning solutions.

The roadmap identifies, qualifies and proposes the establishment of community libraries throughout the region (Page 187). The book posits that these libraries can be a portal to the new world of Internet Communication Technologies (Page 197); a means to bridge the Digital Divide (Page 31) and a delivery outlet for many e-Government services (Page 168).

The foregoing campaign, ‘Geek the Library‘, is motivated to raise additional funding for public libraries in the US. There is also the need for funding for Caribbean library endeavors. The Go Lean roadmap leads first with an optimization of the region’s economic engines. The book then details how to pay for these changes (Page 101), then how to maintain a consistent well-funded governing engine (Page 172), including public libraries.

Previously, Go Lean blogs commented on other developments related to Caribbean library endeavors:

Antigua Completes Construction of New National Library

The World as 100 People – Showing the Gaps – Need for Cyber Caribbean – Gates Foundation

Is Print Dead? No, but dying! Digital Media is the Future

Now is the time for all Caribbean stakeholders, all Geeks, to lean-in to this regional solution for Caribbean empowerment. Considering the foregoing definition of ‘geek’, this regional effort could be dubbed: ‘Geek the Caribbean‘. The end result, a better homeland; a better place to live, work and play. 🙂

Download the book Go Lean … Caribbean – now!

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College, ICT, STEM, Transform

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Introduction to Europe – All Grown Up

Posted on November 27, 2014 in Ethos, Government

Go Lean Commentary

The countries in the western hemisphere are considered the New World. Why “new”? Because none of the independent nations in this hemisphere are older than 250 years. Despite previous civilizations in the lands; the hemisphere’s modernity started as colonies of their European forebears: England, France, Portugal, Spain, and The Netherlands. The European lands are thusly referred to as the Old Country.

Well now, the Old Country has a new lesson for the New World: economic, security and governing integration of the European Union (EU). This structure is such an advancement in democracy, that it is now presented as a model for the Caribbean region to explore.

This is the quest of the book Go Lean…Caribbean, to get the Caribbean region to model their society to incorporate the best practices of the EU. The book urges the introduction and implementation of the Caribbean Union Trade Federation (CU). The book therefore serves as a roadmap for this goal, with turn-by-turn directions to integrate the 30 member-states of the region, forge an $800 Billion economy and create 2.2 million new jobs.

While this is a big idea for the nascent Caribbean, this is just a microcosm of the EU’s width and breadth – Europe is all grown-up. The EU has the economies-of-scale of 508 million people and a GDP of $15 Trillion (2012) in 28 member-states; (the EuroZone Currency Union is a subset of 18 states, 333 million people and $13.1 Trillion GDP). The EU is even larger than the Caribbean’s neighbor, the US, with its 50 states, 320 million people, and $14 Trillion integrated economy.

There is an even more important number in the discussion of EU dynamics: 100 million. That’s how many lives were lost prematurely due to the wars of the 20th Century, all spurred from European conflicts, think World War I and World War II. Since the European integration began, after WW II and completing with the EU charter in 1992, there has been no full continental or global wars. This absence is a testament of European economic-security-governing integration.

The continent of Europe has now “grown up”, organizationally. In fact, because of the success of this integration, the EU was awarded the coveted Nobel Peace Prize for 2012. This fact was detailed in the Go Lean book (Page 130).

Considering the EU example, the economic benefits are undeniable; shocks and dips in economic performance can be more easily absorbed and leveraged across the entire region. (The US provides a similar lesson). Despite recent crises in the US (2008) and in Europe (Sovereign Debt of 2009 – 2011), the US is still the #2 economy, while the EU is the world’s #1 economy.

At the outset, the Go Lean roadmap identified an urgent need to collaborate and consolidate for economic resilience. This is pronounced in this clause in the opening Declaration of Interdependence (Page 13):

xxv. Whereas the legacy of international democracies had been imperiled due to a global financial crisis, the structure of the Federation must allow for financial stability and assurance of the Federation’s institutions. To mandate the economic vibrancy of the region, monetary and fiscal controls and policies must be incorporated as proactive and reactive measures. These measures must address threats against the financial integrity of the Federation and of the member-states.

The biggest lesson for the Caribbean to glean from a consideration of the EU is the need for compromise in consensus-building. This is why there are asterisks on so many confederation clauses. See the details in this VIDEO here:

Direct Link: http://youtu.be/O37yJBFRrfg

The CU is modeled from the EU – see Page 130 in the Go Lean…Caribbean book, so as to provide good stewardship and shepherding of the Caribbean economic, security and governing engines.

The theme of applying models and best-practices from other countries/regions has been elaborated on in these previous blog commentaries:

Why India is doing better than most emerging markets

‘Too Big To Fail’ – Caribbean Version

A Lesson in European Dysfunctional History: 100 Years Ago – World War I

EU willing to fund study on cost of not having CARICOM

European Model: One currency, divergent economies

How Nigeria’s economy grew by 89% overnight

Book Review: ‘Wrong – Nine Economic Policy Disasters and What We Can Learn…’

The CU roadmap drives change among the economic, security and governing engines of the Caribbean region. The book presents the solutions to elevate Caribbean society as new community ethos, strategies, tactics, implementations and advocates; as follows:

Community Ethos – Forging Change	Page 20
Community Ethos – Economic Principles	Page 21
Community Ethos – Security Principles	Page 22
Community Ethos – Governing Principles	Page 24
Community Ethos – Impact the Future	Page 26
Community Ethos – Impact the Greater Good	Page 37
Strategy – CU Vision – Integrate Caribbean member-states modeling the European Union	Page 45
Strategy – Facilitate a Currency Union, the Caribbean Dollar (C$), and the Caribbean Central Bank, modeled after the Euro and European Central Bank	Page 48
Tactical – Fostering a Technocracy	Page 64
Tactical – $800 Billion Economy – How and When	Page 67
Tactical – Separation-of-Powers – Central Bank	Page 73
Implementation – Assemble Caribbean Central Bank	Page 96
Implementation – Ways to Better Manage Debt	Page 114
Planning – Ways to Model the EU	Page 119
Planning – Lessons Learned from 2008	Page 136
Anecdote – Caribbean Currencies	Page 149
Advocacy – Ways to Grow the Economy	Page 151
Advocacy – Ways to Create Jobs	Page 152
Advocacy – Reforms for Banking Regulations	Page 199

The Go Lean roadmap posits that modeling the EU is easier said than done. On the one hand, the economic optimizations are easy, just show up with investments (money) and jobs and any Caribbean community will acquiesce. On the other hand, the attempts to introduce empowerments for security and/or governing engines are doomed to be more complicated, requiring a political process, with a lot of compromise and consensus-building.

See a dissenting view of the EU structure, expressed here:

Dissenting View: Some people object to the structure of the EU. Notice this comment added to the same foregoing YouTube VIDEO above:

By: aalexmary – 1 month ago (October 2014):
So, explained. The European Union is US’s pathetic slave. The European Union is an unsuccessful organisation who took the sovereignty of the nations away. the European union is a monster (I mean its leaders) who carries out coups and bloody wars. The EU, NATO, US destroyed and blooded Ukraine and Novorrosia with the purpose of starting WWIII and to destroy Russia. The European Union hurts its own nations (eg: the illegal insane sanctions against Russia, and this is not the only example). Obama, Merkel and all the leaders of the EU are just pathetic war criminals. Not to mention Pigosenko and his clique. The “democrat” EU brought back the cruel Nazism. EU is ugly. It is not the European “dream” anymore. It is about EU’s leaders greed for power. In EU the individuals do not count. I will be so happy when EU and NATO will disappear. Useless organisations. It is time for the countries to regain their sovereignty.
YouTube Video Sharing Online Site – Posted July 2, 2013; retrieved November 26, 2014
http://youtu.be/O37yJBFRrfg

This heavy-lifting, navigating the dissent and overcoming opposition, is worth the effort. This is the mission of the CU: built for the heavy-lifting of integration and collaboration. With the successful execution of the deliveries in the Go Lean roadmap, the effect will be undeniable: a better homeland to live, work and play. 🙂

Download the book Go Lean … Caribbean – now!

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EU, History, Model

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Bill Cosby’s Accusers – Why They Weren’t Believed

Posted on November 26, 2014 in Ethos, Social

Go Lean Commentary

It is hard to reconcile the accusations floating against Bill Cosby with his television characters: Dr. Huxtable, Jell-O Pudding Pitch-Man and the voice/persona of the animated do-gooder Fat Albert (and the Cosby Kids ; see Appendix below*). Or is it?

… that it’s easy to categorize personalities as good versus bad. “We don’t think good and evil can co-exist in the same person” – Psychologist David Adams.

The following article posits that those who do horrible things may still be talented in their gifts and notoriously good to people in their lives, like family members. While it maybe difficult to understand the complexities of personalities, it is very much necessary that society be receptive to the possibility of good people doing bad things. The entire article is presented here:

By: NO MORE Staff

America’s Dad is having a very bad week. A few days ago, Barbara Bowman wrote a personal essay in The Washington Post chronicling how Bill Cosby drugged and raped her 30 years ago.

The story went viral and inspired several others to echo her experiences.

Not so when the teenager spoke out soon after the alleged attacks: When she went to a lawyer after the assaults, she was accused of lying. Her agent did nothing, either. Eventually, she moved on. Years later, Andrea Constand accused Cosby of rape and Bowman was asked to speak in court, but the case was quietly settled.

At this writing, a grand total of 15 women have accused Cosby of assault, dating from the late 1960s. (Here’s a timeline of the accusations.) Despite all this, Cosby’s career had coasted along—in fact, he was awarded the Mark Twain Prize for American Humor not long ago and was planning a new TV show.

But things are changing.

Finally, the accusers’ stories are getting traction. Why now? Last month, comedian Hannibal Buress called Cosby a rapist in his stand-up routine, which went viral. The Twitter-verse responded in kind: Last week, Cosby’s tone-deaf invitation to “meme me!” resulted in people superimposing assault accusations over his photo. #Cosbymeme did not go according to plan, and things only got worse: Last weekend, NPR interviewed him about his African American art collection and then asked him to respond to the Post story. He went silent. Eventually, his lawyer issued a statement firmly denying the allegations and refusing to comment further.

But the damage has been done: New stories about Cosby’s behavior continue to surface, Netflix has put his upcoming comedy special on hold, and NBC has abandoned plans to develop a new sitcom with him.

Why Accusations About Celebrities Aren’t Believed

Cosby isn’t the first icon to be accused of sexual assault or domestic violence, and yet the question persists: Why aren’t these accusers heard or given any credence—not just Cosby’s alleged victims, but the countless other people who have dared to challenge a celebrity?

The answer lies in the American conflation of celebrity and security, says Ulester Douglas, executive director of Men Stopping Violence. “We are a celebrity culture. Seeing someone we idolize, revere, and idealize being accused of horrific crimes makes us wonder: Who are we? It makes us realize that our own families could be capable of it, too,” he says. It’s unsettling and even terrifying to associate an idol with evil, particularly because there are so many celebrities who are good people, capable of powerful, positive influence.

Dissonance Perpetuates Silence

David Adams is a psychologist and co-director of Emerge, a Boston-based abusers’ intervention and counseling program. He sees a difference in how we respond to a stereotypical criminal and a celebrity accused of bad behavior due to our preconceptions about abusers. “We tend to think of an abuser as someone who is easily detectable: someone who is crude, sexist, and boorish. A quarter of men who abuse women do fit this stereotype, and since that’s a substantial subgroup, we tend to spot those guys and not the ones who are more likable. If we don’t know what to do with bad information about someone we adore, it creates dissonance, and we sometimes choose to disbelieve or to ignore it,” he says.

“When we see someone likable accused of a crime, we have a choice to believe something bad about them or to discount it because it doesn’t fit our experience. In some ways it’s easier to do that than to think, oh God, the world really is unknowable—I might as well give up on knowing people,” he says. “If we don’t know what to do with information about someone we worship, we put it aside.”

Why Celebrities Feel Immune

Of course, Cosby is hardly the first famous person to be accused of rape or assault. When we think about any celebrity facing serious allegations, though, it’s difficult to believe that an image-conscious idol could be willing to engage in hugely risky behavior, throwing away the very image they need. What’s going through their mind?

“Any consequence is overridden by the high of the conquest,” Douglas says. And, on a purely logistical level, “They do it because they can. They truly think they can get away with it, based on the very fact that they have a certain image. They will be believed; the accusers will be laughed out of the room.”

Absorbing The Narcissism Factor

In many celebrity cases, narcissism also plays a starring role. “A hallmark of narcissism is exceptionality. You literally think you will not get caught. This personality takes chances, acts reckless, and even associates the behavior with success, because they’ve always been rewarded,” Adams says.

“We think narcissists are people nobody would like. But, in fact, they’re quite charismatic, with good social and image-maintenance skills”— which often allow them to get away with bad behavior, even more so when there’s a PR team on call. Narcissists are also skilled at compartmentalization, Adams says, and they choose to focus on the “part of their life that everybody adores. They don’t focus on other parts of their lives, and if they do something wrong, they think, ‘Gee, everybody loves me. What’s the problem?’” he says. “It’s a lack of character development.”

“Narcissists can engage in all sorts of psychological gymnastics not to feel empathy,” says Douglas.

The Changing Tide

Adams says that it’s easy to categorize personalities as good versus bad. “We don’t think good and evil can co-exist in the same person,” he says. “But look at the Mafia—these guys who do horrible things but are notoriously good to their mothers. And along comes a show like The Sopranos to paint them in a more nuanced light. There’s now less focus on ‘good guys’ and ‘bad guys,’” he says. Understanding the complexities of personalities—refusing to glorify a celebrity as all good, all the time—could help to close the dissonance gap.

“We can also go a long way toward preventing male sexual and domestic violence against women by stopping the pervasive and pernicious victim-blaming,” Douglas says. “The media, for example, should quit asking the toxic, ‘Why did you go back to your abuser?’ and ‘Why didn’t you leave?’ A reporter could say instead, ‘As you know, there are some who question your credibility because of some of the choices you made. What, if anything, would you want to say to them?’ That is respectful journalism. The [accuser] should never be made to feel like she has to justify the choices she made or makes.”

Finally, in his own work with Men Stopping Violence, Douglas sees firsthand the power of healing through sharing. “I see survivors who are finding peace through coming forward and telling their stories. One of the most powerful things that survivors can do is tell their own stories, on their own terms,” he says.
The NO MORE Project – Posted November 19, 2014; retrieved November 26, 2014–
http://nomore.org/why-cosby-victims-werent-believed/

The subject matter in the foregoing article relates to the attitudes that communities must foster so as to mitigate the toleration of domestic violence, rape and stalking. These points are being brought into focus in a consideration of the book Go Lean … Caribbean. The book serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU), for the economic optimization in the region.

The focus of the Go Lean book is Economics, not domestic violence, rape or stalking! And yet this commentary relates that there is an alignment of objectives. The Go Lean roadmap posits that the economy of the Caribbean is inextricably linked to the security (public safety) of the Caribbean.

This CU/Go Lean roadmap has 3 prime directives:

Optimization of the economic engines in order to grow the regional economy and create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines and their relevant stakeholders.
Improve Caribbean governance (Executive facilitations, Legislative oversight and Judicial prudence) to support these economic/security engines.

Among the objectives to accomplish the economic elevation is the mission to retain Caribbean citizens in their homelands and repatriate the far-flung Diaspora back to the region. Since many people may have fled the region to mitigate abuse, attitudes of victim-blaming or complacency among public safety authorities must be “weeded out”.

The subject of Celebrity Culture is also germane for the Caribbean empowerment effort (Pages 203 & 224). The Go Lean roadmap consolidates the region’s 30 member-states into a Single Market, media market included – with the caveat of multi-language “simul-casting”. Celebrities will surely emerge. From a governance perspective, the CU will oversee the jurisdiction of monitoring and metering (ratings, rankings, service levels, etc) local public safety institutions to ensure their delivery of the Social Contract. for all regardless of gender or race.

Change has now come to the Caribbean. As the foregoing article depicts, there is a changing tide. It is no longer acceptable to dismiss accusers, even against celebrities. The article relates that “we can go a long way toward preventing male sexual and domestic violence against women by stopping the pervasive and pernicious victim-blaming”. This is part of a new community ethos – the value of women is not undermined! Many related issues/ points were elaborated in previous blogs, sampled here:

Justice Strategy: Special Prosecutors … et al

Caribbean Study: 58% Of Boys Agree to Female ‘Discipline’

Sex Crimes Mitigations – Students developing nail polish to detect date rape drugs

Aereo Founder on the future of TV; Caribbean included

Bob Marley: The legend of a Caribbean Celebrity lives on!

Muslim officials condemn abductions of Nigerian girls

Caribbean/Latin countries still view women as lesser

Book Review: ‘The Divide’ – Differences in US Justice for Rich versus Poor

Jamaica to receive World Bank funds to help in crime fight

The above commentaries examined global developments in crime mitigations and gender based attitudes, then relate their synchronicity with the principles in the Go Lean book. There are a number of touch points that relate to domestic violence, rape and stalking; these blogs also cite the community attitude to dissuade such behavior. Most importantly, the Go Lean book depicts solutions. These are presented as community ethos, strategies, tactics, implementations and advocates; detailed as follows:

Community Ethos – Privacy –vs- Public Protection	Page 23
Community Ethos – Whistleblower Protection	Page 23
Community Ethos – Witness Security	Page 23
Community Ethos – Anti Bullying & Mitigations	Page 23
Community Ethos – Light Up the Dark Places	Page 23
Community Ethos – “Crap” Happens	Page 23
Community Ethos – Minority Equalization	Page 24
Community Ethos – Lean Operations	Page 24
Community Ethos – NGO’s	Page 25
Community Ethos – Reconciliations	Page 34
Strategy – Rule of Law –vs- Vigilantism	Page 49
Tactical – Separation of Powers – CariPol	Page 77
Implementation – Reasons to Repatriate	Page 118
Planning – Ways to Improve Failed-State Indices	Page 134
Advocacy – Ways to Improve Governance	Page 168
Advocacy – Ways to Better Manage the Social Contract	Page 170
Advocacy – Ways to Impact Justice	Page 177
Advocacy – Ways to Remediate and Mitigate Crime	Page 178
Advocacy – Ways to Improve Gun Control – Restraining Orders Automatic Restrictions	Page 179
Advocacy – Ways to Improve Intelligence Gathering	Page 182
Advocacy – Ways to Improve Communications – Messaging	Page 186
Advocacy – Ways to Impact Hollywood	Page 203
Advocacy – Ways to Impact the Prison Industrial Complex – Reduce Recidivism	Page 211
Advocacy – Ways to Impact Foundations	Page 219
Advocacy – Ways to Protect Human Rights	Page 220
Advocacy – Ways to Impact the One Percent – Balancing Justice Provisions for Celebrities	Page 224
Advocacy – Ways to Empower Women	Page 226
Advocacy – Ways to Impact Persons with Disabilities – including Mental Challenges	Page 228

The book Go Lean…Caribbean was written by resources from an organized movement, by people (residents and Diaspora) with passion to change/elevate the Caribbean’s economic, security and governing engines. One principal within this Go Lean movement has a direct job function to dissuade crimes against women.

While there is always the need to give the accused the benefit of the doubt, as in the current case against Bill Cosby, we do not want 30 years of inaction on reported sex crimes by celebrities. The CU roadmap’s goal is to optimize “Justice” institutions in the region. Why? All members of society (celebrities and regular citizens alike) need to be protected, and not dismissed or ignored, especially related to serious allegations like sexually inappropriate behavior. Any “misfeasance, malfeasance or nonfeasance” in this regards reflects negatively on the region’s hospitality – think of the unsolved disappearance of Natalee Holloway in Aruba in 2005; (see Page 190).

Though this topic may be a security issue, community wealth is undoubtedly linked, affecting push-and-pull factors for citizens to flee their homelands. This is lose-lose for all concerned. To the contrast, the goal of the Go Lean effort is to make the Caribbean a better place to live work and play; with justice for all. Since the region failed in the past, the new messaging is simple: “No More“!

The foregoing article is sourced by the Not-For-Profit organization, the “No More” Project. Their goal is to neutralize public attitudes that had previously tolerated and thusly promoted domestic violence, rape and stalking. This is a great role model for the Caribbean to emulate, as attitude adjustment is among the heavy-lifting tasks that regional administrators must undertake to bring positive change to the Caribbean.

Download the book Go Lean … Caribbean – now!

————

* Appendix – Video – Fat Albert And The Cosby Kids – http://youtu.be/ga7gflAUGCc

It’s Bill Cosby coming at you with music and fun, and if you’re not careful, you might learn something before its done.

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Civil Rights, Gender, Image, Power, Security

[Top]

Obama’s immigration tweaks leave Big Tech wanting more

Posted on November 21, 2014 in Government, Strategy

Go Lean Commentary

Caribbean stakeholders hereby comment on US President Barack Obama’s planned unilateral immigration reforms, and it’s not what you might naturally think:

We are hereby opposed!

Wait, wouldn’t a more liberal policy for Caribbean immigrants help our cause to improve the condition of many Caribbean families? “Yes” for the micro (individual), but “No” for the macro (community/country/region)!

Liberal US immigration practices are bad; they accentuate the “brain drain” for the Caribbean.

The focus in this discussion is on the STEM (Science, Technology, Engineering, and Mathematics) labor force. There is a demand for more workers with these qualifications; this demand is in the US and in the Caribbean. The US economy, and society, is more mature than all Caribbean countries; this makes it hard for Caribbean member-states to compete. And now…

… President Obama wants to extend invitations to STEM college students in the US to stay on in the US and NOT return to their home countries.

Say it ain’t so!

The publishers of the book Go Lean…Caribbean, which serves as a roadmap for elevating all 30 member-states of Caribbean society, calls for the need to fight the policy change that is depicted in this news article:

By: Noel Randewich and Roberta Rampton

SAN FRANCISCO/WASHINGTON (Reuters) – President Barack Obama plans to make life a little easier for some foreign tech workers, but Silicon Valley representatives are disappointed his immigration rule changes will not satisfy longstanding demands for more visas and faster green cards.

In a speech on Thursday, Obama outlined plans to use executive authority to help millions of undocumented people. He also announced minor adjustments to cut red tape for visa holders and their families, including letting spouses of certain H-1B visa holders get work permits.

“I will make it easier and faster for high-skilled immigrants, graduates and entrepreneurs to stay and contribute to our economy, as so many business leaders have proposed,” Obama said.

The president’s moves will make it easier for entrepreneurs to work in the United States and extend a program letting foreign students who graduate with advanced degrees from U.S. universities to work temporarily in the United States.

But tech industry insiders said the changes, while positive, were limited.

“This holiday season, the undocumented advocacy community got the equivalent of a new car, and the business community got a wine and cheese basket,” complained one lobbyist, speaking on condition of anonymity.

Instead of more temporary H-1B visas, which allow non-U.S. citizens with advanced skills and degrees in “specialty occupations” to work in the country for up to six years, the 200,000-member U.S. chapter of the Institute of Electrical and Electronics Engineers (see VIDEO below) was hoping for measures to reduce the backlog of H-1B holders awaiting green cards.

“If this is all there is, then the president has missed a real opportunity,” said Russ Harrison, a senior legislative representative at the IEEE. “He could have taken steps to make it easier for skilled immigrants to become Americans through the green card system, protecting foreign workers and Americans in the process.”

For instance, IEEE and technology companies want spouses and children to be excluded from employment-based green-card allotments, thereby increasing availability for other foreign tech workers seeking green cards.

Tech companies from Microsoft Corp to Intel have complained about being unable to find enough highly skilled employees and want Washington to increase the availability of visas for programmers, engineers and other specialized foreign professionals.

“Our focus really is on H-1B visas and trying to expand the number of talented technical professionals that can come to the U.S.,” Qualcomm CFO George Davis said ahead of Obama’s announcement. “The way the regulations are drafted today there’s a lot of room for improvement.”

Major changes would require Congressional action, however, and tech industry executives are worried that partisan rancor over Obama’s unilateral action could set back chances for legislation.

“I don’t view this as a long-term solution, and I hope it doesn’t get in the way of a long-term solution,” said Dave Goldberg, chief executive of SurveyMonkey, a Palo Alto based company.

The AFL-CIO said in a statement it would seek to ensure visa workers are afforded rights and protections.

“We are concerned by the President’s concession to corporate demands for even greater access to temporary visas that will allow the continued suppression of wages in the tech sector,” the labor giant said.

While limited, Obama’s policy changes, such as letting more spouses work, will help some tech workers and their families.

Gayathri Kumar, 29, moved a year ago from India to Phoenix, Arizona, where her husband works at Intel. She has a masters degree in communications and wants to work in television, but Kumar spends much of her day at home, chatting with friends over social media.

“I really want to work. I came here with a passion to work, not to sit at home,” Kumar said. “I’m bored, I’m becoming depressed.”

(Reporting by Noel Randewich in San Francisco and Roberta Rampton in Washington. Additional reporting by Sarah McBride in San Francisco.; Editing by Eric Effron, Tom Brown and Ken Wills)

Reuters News Wire Online Source – Posted: November 21, 2014 –
http://news.yahoo.com/obamas-immigration-tweaks-leave-big-tech-wanting-more-002544241–finance.html

For this issue, “the enemy of my enemy is my friend”.

Caribbean stakeholders need to align with the opposition of Obama’s immigration policy, the Republicans. (The publishers of the Go Lean book, SFE Foundation, represent an apolitical, religiously-neutral, economic-focused movement, initiated at the grass-root
level to bring permanent change back to the Caribbean homeland – no one Caribbean member-state is favored over another). We need to pursue our own self-interest.

The book Go Lean…Caribbean posits that the Caribbean brain drain is already acute, (reported at exceeding 70%), due to “push and pull” factors. Many Caribbean STEM students matriculate in American universities, so allowing more liberal recruiting of our students to remain in the US would increase the “pull” factor. We cannot compete against this added pressure.

Why would the students want to concede to this pressure? Unfortunately, we have a variety of “push” conditions working against the Caribbean counter-defense; we have deficiencies. We have economic, security and governing deficiencies that “push” the native Caribbean student/worker to consider expatriating to the US, or to Canada and many EU countries.

But the Caribbean has its own needs for the STEM work force, and our needs cannot be ignored. This is war; (a Trade War).

The Caribbean is losing … every battle. We must not help our enemy. The book Go Lean…Caribbean serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU). The roadmap contains our battle plans, strategies and tactics for this Trade War. The roadmap’s states the prime directives of the CU as the following 3 statements:

Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines.
Improve Caribbean governance to support these engines.

The book posits that all of the Caribbean is in crisis with this brain drain problem, and so there is an urgent need to retain our existing STEM talent, and recruit even more. This point is stressed early in the book (Page 13) in the following pronouncements in the Declaration of Interdependence:

xix. Whereas our legacy in recent times is one of societal abandonment, it is imperative that incentives and encouragement be put in place to first dissuade the human flight, and then entice and welcome the return of our Diaspora back to our shores. This repatriation should be effected with the appropriate guards so as not to imperil the lives and securities of the repatriated citizens or the communities they inhabit. The right of repatriation is to be extended to any natural born citizens despite any previous naturalization to foreign sovereignties.

xxi. Whereas the preparation of our labor force can foster opportunities and dictate economic progress for current and future generations, the Federation must ensure that educational and job training opportunities are fully optimized for all residents of all member-states, with no partiality towards any gender or ethnic group. The Federation must recognize and facilitate excellence in many different fields of endeavor, including sciences, languages, arts, music and sports. This responsibility should be executed without incurring the risks of further human flight, as has been the past history.

This subject of mitigating the brain drain and adopting empowering immigration policies have been frequent topics for these Go Lean blogs, highlighted here in the following sample:

https://goleancaribbean.com/blog/?p=2907	Local Miami Haitian leaders protest Bahamian immigration policy
https://goleancaribbean.com/blog/?p=2809	A Lesson in History: Economics and Immigration Policy of East Berlin
https://goleancaribbean.com/blog/?p=1674	Obama’s Plans for $3.7 Billion Immigration Crisis Funds, stressing the need for reform in the US.
https://goleancaribbean.com/blog/?p=1596	Book Review: ‘Prosper Where You Are Planted’ – the Antithesis of Emigration
https://goleancaribbean.com/blog/?p=1470	College Of the Bahamas Master Plan 2025 – Lacking Response for Brain Drain
https://goleancaribbean.com/blog/?p=1296	Remittances from Diaspora to Caribbean Increased By 3 Percent in 2013 – Not a Good Economic Plan
https://goleancaribbean.com/blog/?p=1256	Is a Traditional 4-year College Degree a Terrible Investment? Yes, for Caribbean Communities Sending their Students Abroad.
https://goleancaribbean.com/blog/?p=1014	All is not well in the sunny Caribbean – Economic Deficiencies
https://goleancaribbean.com/blog/?p=599	Ailing Puerto Rico open to radical economic fixes – Need for Retention

As a counter-defense to the losing dispositions in the Caribbean Trade War with the US, the Go Lean book details a series of community ethos, strategies, tactics, implementations and advocacies to foster the best practices to incentivize STEM careers and mitigate further brain drain for the Caribbean region:

Community Ethos – Deferred Gratification	Page 21
Community Ethos – Economic Systems Influence Choices & Incentives	Page 21
Community Ethos – Job Multiplier	Page 22
Community Ethos – Anti-Bullying and Mitigation – neutralizing STEM as Nerds	Page 23
Community Ethos – Minority Equalization	Page 24
Community Ethos – Return on Investments	Page 24
Community Ethos – Ways to Impact the Future	Page 27
Community Ethos – Ways to Foster Genius	Page 26
Community Ethos – Ways to Help Entrepreneurship	Page 28
Community Ethos – Promote Intellectual Property	Page 29
Community Ethos – Ways to Impact Research & Development	Page 30
Community Ethos – Ways to Close the Digital Divide	Page 31
Community Ethos – Ways to Impact the Greater Good	Page 37
Anecdote – Valedictorian and Caribbean Diaspora Member	Page 38
Strategy – Customers – Citizens, Business Community & Diaspora	Page 47
Strategy – Meeting Region’s Needs Today, Preparing For Future	Page 58
Tactical – Separation of Powers – Patent, Standards, & Copyrights	Page 78
Tactical – Separation of Powers – Education Department	Page 85
Implementation – Assemble all Super-Regional Governing Entities	Page 96
Implementation – Trends in Implementing Data Centers	Page 106
Implementation – Ways to Deliver	Page 109
Implementation – Better Manage Debt – Better Student Loans Dynamics	Page 114
Planning – Ways to Improve Trade	Page 128
Planning – Ways to Make the Caribbean Better	Page 131
Advocacy – Ways to Grow the Economy	Page 151
Advocacy – Ways to Create Jobs	Page 152
Advocacy – Ways to Improve Education	Page 159
Advocacy – Ways to Impact Student Loans – Forgivable Provisions	Page 160
Advocacy – Ways to Foster Empowering Immigration – STEM Professionals	Page 174
Advocacy – Ways to Foster Technology	Page 197
Advocacy – Ways to Impact the Diaspora	Page 217
Appendix – Alternative Remittance Modes	Page 270

Now is the time for all of the Caribbean, the people and institutions, to lean-in for the elevations described in the book Go Lean … Caribbean. This means heavy-lifting to enhance the economic-security-governing engines to attract and retain our STEM graduates. We especially call on the Caribbean/Latin American chapters of the IEEE organization – depicted in the foregoing article and the VIDEO below – to join-in this empowerment effort. A CU mission aligns with this organization’s charter to promote STEM careers and developments in their members’ home regions. The Caribbean needs the regional delivery of this charter, and their lobbying efforts.

We must try and stop Obama’s unilateral policy reform; a liberal US immigration policy would accentuate the Caribbean brain drain.

The region needs the deliveries, described in the Go Lean roadmap. Otherwise, we have no hope to incite and retain our young people, especially those with STEM skill-sets. As a region, we would simply be condemned to a worsened future, simply “fattening frogs for snakes”. This Go Lean roadmap therefore is vital in the quest to make the Caribbean a better place to live, work and play. 🙂

Download the book Go Lean … Caribbean – now!

———–

Appendix – VIDEO: What is IEEE? – http://youtu.be/fcmCpEpg0lQ
This is a short video presenting the overall organization of IEEE. This video was developed and published during the celebrations of IEEE Day 2012.

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Foreign Policy, ICT, Jobs, STEM

[Top]

Why India is doing better than most emerging markets

Posted on November 19, 2014 in Economics, Planning

Go Lean Commentary

BRICS = Brazil, Russia, India, China, South Africa …

There are no “push-pull” factors luring Caribbean citizens to emigrate to these countries, (though Caribbean member-states Trinidad and Guyana have a majority population of Indian descent), but still it is very important for the stewards of the Caribbean economy to study the BRICS countries. We need to learn from their lessons, good-bad-and-ugly, and try hard to keep pace.

This global assessment is part of the technocratic activities needed in comparative analysis, essential and strategic in the effort to ensure the region remains competitive. This effort is inclusive of the publishers of the book Go Lean…Caribbean; it urges the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU). The book serves as a roadmap for the elevation of the region’s economy-security-governing engines; providing turn-by-turn directions to integrate the 30 member-states of the region and forge an $800 Billion economy.

A likely analogy would be navigating a vessel across a tumultuous ocean. As a humorous depiction, subject matter experts joke that “an economist is an expert who will know tomorrow why the things he predicted yesterday didn’t happen today”.

All joking aside, the incremental progress of one BRICS country, India, is not to be lambasted or readily dismissed. See this recent news article:

By: JO’s

MUMBAI – Investors have fallen out of love with emerging markets. Since the start of last year emerging-market stocks has trailed their rich-world peers. Currencies are falling. Worst-hit is the Russian Rouble, which has fallen by 30% against the Dollar this year. The currencies of other biggish emerging markets, such as Brazil, Turkey and South Africa, have also weakened. For such economies growth is harder to come by. The IMF recently cut its forecasts for emerging markets by more than for rich countries. But India is a notable exception to the general pessimism. Its stock market has touched new highs. The Rupee [currency] is stable. And the IMF nudged up its 2014 growth forecast for India to 5.8%. That figure is still quite low: growth rates of 8-9% have been more typical. But in comparison with others it is almost a boom. Why is India doing better than most emerging markets?

In part optimism about India owes to its newish government. In May Narendra Modi’s Baratiya Janata Party (BJP) won a thumping victory in elections on a pro-growth platform. Since then the BJP has strengthened its position in some key states. So far reform has been piecemeal. Procedures for government approvals have been streamlined. The powers of labour inspectors have been curbed. Civil servants now work harder. That has been enough to sustain hopes of further and bigger reforms. Yet much of the continued enthusiasm about India is down to luck. The currents that sway the global economy presently—the dollar’s strength; slowdown in China; aggressive money-printing in Japan; stagnation in the Euro Zone and falling oil prices—are less harmful to India than to most emerging markets.

Start with the dollar, which has been buoyed by a resilient American economy and the prospect of interest-rate increases by the Federal Reserve. Past episodes of rising interest rates and dollar strength (for instance in the early 1980s or mid-1990s) have not been kind to emerging markets. Bond yields rise and currencies fall as capital is drawn back to America. India has a bit less to fear from such a rush to the exits; its bond markets are tricky for foreigners to enter in the first place. India is less harmed by slowdown in China, as only around 5% of its exports go there. It is not part of the China’s supply-chain that takes in much of Southeast Asia. Nor is it a big exporter of industrial commodities, like Brazil. Equally a weaker yen in response to quantitative easing by the Bank of Japan hurts Asia’s manufacturing exporters more than service-intensive India. The misery in the Euro Zone is of greater concern to its local trading partners in Turkey and Russia than to faraway India. And the fall in the crude prices that hurts oil exporters, such as Russia and Nigeria, is a boon to a big oil importer like India. Indeed the deflation that is stalking large parts of the world is helpful to India, which has suffered from high inflation.

India is not impervious to bad news. Some of its recent economic data have looked a little soggy. Exports slumped in October. Car sales have fallen for two consecutive months and there is little sign yet of a meaningful recovery in business investment. This is in part why there have been growing calls (including from the finance minister) for the central bank to cut interest rates soon in response to a drop in consumer-price inflation. The troubles in other emerging markets ought to counsel caution. Any sign that policymakers might be ditching discipline in favour of quick fixes might see India crossed off the love list.
The Economist Magazine – Online Edition – November 18, 2014 –
http://www.economist.com/blogs/economist-explains/2014/11/economist-explains-11

Other BRICS countries are struggling with growth, at this moment; see story here:

As emerging economies hit hard times, Brazil and Russia look particularly weak.

Considering the realities of the emerging economies, the BRICS countries, it is obvious that there is an ebb-and-flow associated with economic stewardship. This stewardship constitutes the prime directives of the CU:

Optimization of the economic engines in order to grow the regional economy and create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines.
Improve Caribbean governance/administration/oversight to support these engines.

The best practice for effective stewardship of an economy’s ebb-and-flow is the recovery; managing the ability to “bounce back” quickly. This fact is related in the Go Lean book (Page 69), chronicling the experiences in the US when the economy lost $11 Trillion in the 2008 Great Recession, but recovered $13.5 Trillion back a few years later, by December 2012. The US has 50 member-states and 320 million people. Shocks and dips can therefore be absorbed and leveraged across the entire region .The Go Lean roadmap is to integrate the Caribbean in such a structure with 30 member-states and 42 million people.

At the outset, the roadmap identified an urgent need to contend with, since the Caribbean is still in the throes of the financial crisis (commenced in 2008). This is pronounced in this clause in the opening Declaration of Interdependence (Page 13):

xxv. Whereas the legacy of international democracies had been imperiled due to a global financial crisis, the structure of the Federation must allow for financial stability and assurance of the Federation’s institutions. To mandate the economic vibrancy of the region, monetary and fiscal controls and policies must be incorporated as proactive and reactive measures. These measures must address threats against the financial integrity of the Federation and of the member-states.

The Go Lean roadmap signals change for the region. It introduces new measures, new opportunities and new recoveries. Economies will rise and fall, ebb-and-flow; the recovery is key. Currencies and inflation issues also factor in the economic stewardship. The foregoing article relates:

“the dollar … has been buoyed by a resilient American economy and the prospect of interest-rate increases by the Federal Reserve. Past episodes of rising interest rates and dollar strength … have not been kind to emerging (BRICS) markets”.

So the CU strategy also calls for the establishment of the allied Caribbean Central Bank (CCB) to manage the regional monetary and currency affairs. The Go Lean book describes the breath-and-width of the CCB. This stewardship of monetary-currency was envisioned and pronounced in the roadmap’s Declaration of Interdependence (Page 13):

xxiv. Whereas a free market economy can be induced and spurred for continuous progress, the Federation must install the controls to better manage aspects of the economy: jobs, inflation, savings rate, investments and other economic principles. Thereby attracting direct foreign investment because of the stability and vibrancy of our economy.

The CU roadmap drives change among the economic, security and governing engines. These solutions are as new community ethos, strategies, tactics, implementations and advocates; sampled as follows:

Who We Are – Veterans of 2008 “Wars” & Financial Crisis	Page 8
Community Ethos – Voluntary Trade Creates Wealth	Page 21
Community Ethos – Consequences of Choices Lie in the Future	Page 21
Community Ethos – Money Multiplier	Page 22
Community Ethos – Job Multiplier	Page 22
Community Ethos – Cooperatives	Page 25
Community Ethos – Impact the Greater Good	Page 37
Strategy – CU Vision and Mission	Page 45
Strategy – Facilitating Currency Union, Caribbean Dollar	Page 45
Strategy – Collaborate for the Caribbean Central Bank	Page 45
Anecdote – Caribbean Currencies	Page 64
Tactical – Fostering a Technocracy	Page 64
Tactical – $800 Billion Economy – How and When – Trade	Page 67
Tactical – Recovering from Economic Bubbles	Page 69
Tactical – Separation-of-Powers – Caribbean Central Bank	Page 73
Implementation – Assemble Caribbean Central Bank	Page 96
Implementation – Ways to Pay for Change	Page 101
Implementation – Trade Mission Objectives	Page 117
Implementation – Ways to Benefit Globalization	Page 119
Planning – Ways to Improve Trade	Page 128
Planning – Lessons Learned from 2008	Page 136
Advocacy – Ways to Grow the Economy	Page 151
Advocacy – Ways to Create Jobs	Page 152
Advocacy – Ways to Control Inflation	Page 153
Advocacy – Ways to Better Manage Foreign Exchange	Page 154
Advocacy – Foster Empowering Immigration – Indentured Indians	Page 174
Advocacy – Reforms for Banking Regulations	Page 199
Advocacy – Ways to Preserve Caribbean Heritage	Page 218
Advocacy – Ways to Impact Trinidad & Tobago	Page 240

The Caribbean region needs to learn from the lessons of the BRICS countries, (see VIDEO below). and do the work, the heavy-lifting, to compete with them, and the rest of the world in trade and culture. The subject of trade empowerment has been directly addressed and further elaborated upon in these previous blog/commentaries:

https://goleancaribbean.com/blog/?p=2887	Caribbean must work together to address rum subsidies
https://goleancaribbean.com/blog/?p=2488	Role Model Jack Ma brings Trade Marketplace Alibaba to America
https://goleancaribbean.com/blog/?p=2435	Latin America’s Dream and Trade Role-model: Korea
https://goleancaribbean.com/blog/?p=2090	Elaborating on the CU and CCB as Hallmarks of a Technocracy
https://goleancaribbean.com/blog/?p=1869	US Senate Bill Targets Companies for Dishonorable Trade Practices
https://goleancaribbean.com/blog/?p=1847	Caribbean Cigar Trade – Declared “Among the best in the World”
https://goleancaribbean.com/blog/?p=1416	Amazon – Role Model for Trade Marketplace, Introduces New Tablet
https://goleancaribbean.com/blog/?p=994	Bahamas Rejects US Trade Demand
https://goleancaribbean.com/blog/?p=273	10 Things We Don’t Want from the US – #3: De-Americanize World Money for Currency in Trade

The Caribbean is arguably the best address on the planet, but there are many deficiencies, as in jobs and economic empowerments. We have suffered as a result of these deficiencies, as a region losing a large share of human capital, one estimate of 70%, to the brain-drain.

No More! Change has now come to the Caribbean.

Shepherding the Caribbean economy is the job for technocrats, trained and accomplished from the battles of globalization and trade wars. This is the Go Lean roadmap. Everyone, the people and institutions are hereby urged to lean-in to this roadmap to make the Caribbean a better place to live, work and play. 🙂

Download the book Go Lean … Caribbean – now!

————

VIDEO: BRICS to change world economy – http://youtu.be/wmS11HnNbk0

Published on Mar 28, 2012 – The BRICS countries’ leaders were preparing for their annual meeting in 2012. These countries make up 42 percent of the world’s population and a quarter of its landmass. They are also responsible for 20 percent of the Global GDP and own a whopping 75 percent of the foreign reserve worldwide. In these tough times for world economics these countries are trying to find a solution for the situation. RT America’s Correspondent Priya Sridhar (the US based arm of Russia Today, a 24-hour English-language international broadcast news network based in Miscow) gave a sneak peak of the summit from India.

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[Top]

Justice Strategy: Special Prosecutors … et al

Posted on November 18, 2014 in Government, Strategy

Go Lean Commentary

The quest to elevate Caribbean society is a three-prong approach: economics, security and governance.

Economic optimizations are easiest to introduce; show up with investments (money) and jobs and almost any community will acquiesce. But to introduce empowerments for security and/or governing engines is more complicated, as changes in these categories normally require a political process; implying consensus-building and compromise. (Think: Iraq – “A military solution to a political problem?”; see Footnote 1)

This is what the book Go Lean…Caribbean calls “heavy-lifting”.

This Go Lean book posits that “bad actors” will always emerge in times of economic optimizations to exploit opportunities, with bad or evil intent. In support of this argument, the book relates a number of law-and-order episodes from world history: Pirates of the Caribbean (Page 181) and the Old American West (Page 142). In addition to the direct book references, there are a number previously published blogs/commentaries that covered subjects and dimensions for Caribbean justice institutions:

Role Model for Justice – The Pinkertons

Economic Crime Enforcement – The Criminalization of American Business

America’s Navy – 100 Percent – Model for Caribbean

A Lesson in History: 100 Years Ago – World War I

Here come the Drones … and the Concerns

Caribbean “Terrorists” travel to Venezuela for jihadist training

Jamaica to receive World Bank funds to help in crime fight

US slams Caribbean human rights practices

10 Things We Want from the US and 10 Things We Don’t Want: Pax Americana

It is evident that justice is very important to this roadmap for societal elevation. We do not want to only react (after the fact) to episodes undermining public security or the integrity of law-and-order in the homeland. We want to have a constant sentinel. This will be accomplished with two regional agencies (defined later): Justice Department and Homeland Security Department.

The Caribbean governance structures were developed under the tutelage of 4 European legacies (British, Dutch, French, Spanish) and the United States of America (territories of Puerto Rico & US Virgin Islands and the dominant cultural influence in the region). We now have fitting role models of their societies for the management of justice institutions. This commentary urges their best-practices.

The Go Lean book serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU). Normally, when there are questions of integrity in the due-process in executive, legislative or judicial branches of government, the curative measure is a Special Prosecutor (American) or a Commission of Inquiry (European and United Nations).

As defined in the following encyclopedia source reference, these measures are normally reactive, but for the CU, the strategy is proactive…from Day One:

1. UNITED STATES

A Special Prosecutor generally is a lawyer from outside the government appointed by an Attorney General or, in the United States, by Congress to investigate a government official for misconduct while in office. A reasoning for such an appointment is that the governmental branch or agency may have political connections to those it might be asked to investigate. Inherently, this creates a conflict of interest and a solution is to have someone from outside the department lead the investigation. The term “Special Prosecutor” may have a variety of meanings from one country to the next, from one government branch to the next within the same country, and within different agencies within each government branch. Critics of the use of Special Prosecutors argue that these investigators act as a “fourth branch” to the government because they are not subject to limitations in spending or have deadlines to meet.

Federal government
Attorneys in the United States may be appointed/hired particularly or employed generally by different branches of the government to investigate. When appointed/hired particularly by the judicial branch to investigate and, if justified, seek indictments in a particular judicial branch case, the attorney is called Special Prosecutor. When appointed/hired particularly by a governmental branch or agency to investigate alleged misconduct within that branch or agency, the attorney is called Independent Counsel.

State government
Special Prosecutors may also be used in a state prosecution case when the prosecutor for the local jurisdiction has a conflict of interest in a case or otherwise may desire another attorney handle a case.
Source: Wikipedia Online Encyclopedia (Retrieved November 17, 2014) – http://en.wikipedia.org/wiki/Special_prosecutor

2. BRITISH DOMINION

A Royal Commission is a major ad-hoc formal public inquiry into a defined issue in some monarchies. They have been held in the United Kingdom, Australia, Canada, New Zealand, Bahrain, Malaysia, Hong Kong and Saudi Arabia. A Royal Commission is similar in function to a Commission of Enquiry (or Inquiry) found in other countries such as Ireland, South Africa, and Hong Kong; (all examples here are from the British Dominion).

A Royal Commissioner has considerable powers, generally greater even than those of a judge but restricted to the Terms of Reference of the Commission. The Commission is created by the Head of State (the Sovereign, or his/her representative in the form of a Governor-General or Governor) on the advice of the Government and formally appointed by Letters Patent. In practice—unlike lesser forms of inquiry—once a Commission has started the government cannot stop it. Consequently governments are usually very careful about framing the Terms of Reference and generally include in them a date by which the commission must finish.

Royal Commissions are called to look into matters of great importance and usually controversy. These can be matters such as government structure, the treatment of minorities, events of considerable public concern or economic questions.

Many Royal Commissions last many years and, often, a different government is left to respond to the findings. In Australia—and particularly New South Wales—Royal Commissions have been investigations into police and government corruption and organised crime using the very broad coercive powers of the Royal Commissioner to defeat the protective systems that powerful, but corrupt, public officials had used to shield themselves from conventional investigation.

Royal Commissions usually involve research into an issue, consultations with experts both within and outside of government and public consultations as well. The Warrant may grant immense investigatory powers, including summoning witnesses under oath, offering of indemnities, seizing of documents and other evidence (sometimes including those normally protected, such as classified information), holding hearings in camera if necessary and—in a few cases—compelling all government officials to aid in the execution of the Commission.

The results of Royal Commissions are published in reports, often massive, of findings containing policy recommendations. These reports are often quite influential, with the government enacting some or all recommendations into law.
Source: Wikipedia Online Encyclopedia (Retrieved November 17, 2014) –
http://en.wikipedia.org/wiki/Royal_Commission

3. NETHERLANDS

Though never a member of British Dominion, the Kingdom of the Netherlands has a similar process. An example of a Commission of Inquiry in the Netherlands include this case study:

From mid-2010 to December 2011 the Commission of Inquiry carried out an independent study of the sexual abuse of minors in the Roman Catholic Church from 1945 to 2010.

Source: Investigation of Roman Catholic Church Online Site (Retrieved Nov. 17, 2014) –
http://www.onderzoekrk.nl/english-summery.html

4. UNITED NATIONS

a. Commissions and Investigative Bodies

The UN Security Council has established a wide-variety of Commissions to handle a variety of tasks related to the maintenance of international peace and security. Commissions have been created with different structures and a wide variety of mandates including investigation, mediation, or administering compensation. Below is a list of all commissions established by the Security Council, with a short description prepared on the basis of the Repertoire, as well as links to the sections covering them in the Repertoire (Public Relations Publication). They are organized by region, and then under relevant areas or sub-regions, placed chronologically starting with those established most recently:

1946-1951 1952-1955 1956-1958 1959-1963 1964-1965 1966-1968 1969-1971 1972-1974 1975-1980 1981-1984 1985-1988 1989-1992 1993-1995 1996-1999 2000-2003 2004-2007 2008-2009 2010-2011

For more information on the investigative and fact-finding powers of the Security Council, see this section on Article 34:

Article 34 – Investigation of disputes & fact-finding.
Article 34 of the UN Charter empowers the Security Council to investigate any dispute, or any situation that is likely to endanger international peace and security. The provision covers investigations and fact-finding missions mandated by the Security Council or by the Secretary-General to which the Council expressed its support or of which it took note. Furthermore, this section has also looked at instances in which Member-States demanded or suggested to the Council that an investigation be carried out or a fact-finding mission be dispatched.

b. UN Commission for Conventional Armaments

The Commission for Conventional Armaments was established on 13 February 1947 to formulate proposals for carrying out General Assembly resolution 41 (I) of 14 December 1946 concerning the general regulation and reduction of armaments. This was a standing Commission, but it was formally dissolved on 30 January 1952.

Source: United Nations Online Archive – Retrieved Nov. 17, 2014 – http://www.un.org/en/sc/repertoire/subsidiary_organs/commissions_and_investigations.shtml

Normally a Special Prosecutor assignment has a limited time expiration. Also a Commission of Inquiry refers to individuals employed, during conciliation (Footnote 2), to investigate the facts of a particular dispute and to submit a report stating the facts and proposing terms for the resolution of the differences. Such a commission is one of many bodies available to governments to inquire/investigate into various issues. The commissions may report findings, give advice and make recommendations; and while their findings may not be legally binding, they can be highly influential.

The declared assignment documents for Special Prosecutors and/or Commissions of Inquiries are called “Warrants”.

The foregoing encyclopedic source explains that “Warrants” may grant immense investigatory powers, including summoning witnesses under oath, offering of indemnities, seizing of documents and other evidence, holding hearings, and compelling aid from government officials. This description provides the role-model for the CU‘s effort in justice and security. The Trade Federation will feature a federal Justice Department, with a separation-of-powers, a ‘Divide’, with the regional member-states. On the CU side of the ‘Divide’ is the jurisdiction for economic crimes, systemic threats, regional escalations and marshaling of any offenses on the federally-regulated grounds, Self-Governing Entities.

This separation-of-powers mandate also dictates that the CU‘s Homeland Security apparatus is the local manifestation of the United Nations Security (Peacekeeping) Forces , except for a regional scope only. This specific federal department will handle a variety of tasks related to the maintenance of regional peace and security.

The book Go Lean…Caribbean posits that the region must prepare its own security apparatus for its own security needs. So the vision is that all Caribbean member-states will authorize the CU as Special Prosecutors and Commissions of Inquiries. These warrants would legally authorize the regional “Justice Institutions”, covering law enforcement and regional defense, all encompassed in the book’s Homeland Security roadmap.

The CU would thusly be set to optimize Caribbean society through economic empowerment, and the aligning security dynamics. In fact, the Go Lean roadmap has 3 prime directives:

Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines.
Improve Caribbean governance to support these engines.

There is the need to ensure the economic engines in all 30 Caribbean member-states; plus extractions (mining, drilling) in the Exclusive Economic Zone (EEZ) of the Caribbean Sea. This point is pronounced early in the book with the Declaration of Interdependence (Page 12) that claims:

x. Whereas we are surrounded and allied to nations of larger proportions in land mass, populations, and treasuries, elements in their societies may have ill-intent in their pursuits, at the expense of the safety and security of our citizens. We must therefore appoint “new guards” to ensure our public safety and threats against our society, both domestic and foreign. The Federation must employ the latest advances and best practices … to assuage continuous threats against public safety.

xi. Whereas all men are entitled to the benefits of good governance in a free society, “new guards” must be enacted to dissuade the emergence of incompetence, corruption, nepotism and cronyism at the peril of the people’s best interest. The Federation must guarantee the executions of a social contract between government and the governed.

xii. Whereas the legacy in recent times in individual states may be that of ineffectual governance with no redress to higher authority, the accedence of this Federation will ensure accountability and escalation of the human and civil rights of the people for good governance, justice assurances, due process and the rule of law. As such, any threats of a “failed state” status for any member-state must enact emergency measures on behalf of the Federation to protect the human, civil and property rights of the citizens, residents, allies, trading partners, and visitors of the affected member-state and the Federation as a whole.

xvi. Whereas security of our homeland is inextricably linked to prosperity of the homeland, the economic and security interest of the region needs to be aligned under the same governance. Since economic crimes, including piracy and other forms of terrorism, can imperil the functioning of the wheels of commerce for all the citizenry, the accedence of this Federation must equip the security apparatus with the tools and techniques for predictive and proactive interdictions.

The treaty to establish the “new guards”, the Homeland Security Force and Federal Justice Department within the Caribbean Union Trade Federation gets legal authorization from the provisions of Special Prosecutors and Commissions of Inquiries, therefore enacting a Status of Forces Agreement with the initiation of the confederation. This elaborate process would be “Step One, Day One” in the Go Lean roadmap. The Go Lean book also details a series of community ethos, strategies, tactics, implementations and advocacies to provide increased public accountability and security in the Caribbean region:

Community Ethos – Economic Principle – Consequences of Choices Lie in Future	Page 21
Community Ethos – Security Principle – Privacy –vs- Public Protection	Page 23
Community Ethos – Security Principle – Whistleblower Protection	Page 23
Community Ethos – Security Principle – Witness Security & Protection	Page 23
Community Ethos – Security Principle – Anti-Bullying and Mitigation	Page 23
Community Ethos – Security Principle – Intelligence Gathering	Page 23
Community Ethos – Governing Principle – Minority Equalization	Page 24
Community Ethos – Governing Principle – Lean Operations	Page 24
Community Ethos – Governing Principle – Cooperatives	Page 25
Community Ethos – Ways to Manage Reconciliations	Page 34
Community Ethos – Ways to Improve Sharing	Page 35
Community Ethos – Ways to Impact the Greater Good	Page 37
Strategy – Vision – Trade Federation with Proxy Powers of a Confederacy	Page 45
Strategy – Mission – Defense Pact to Defend against Systemic Threats	Page 45
Strategy – Mission – Protect Stakeholders with Vigorous Law-and-Order measures	Page 45
Tactical – Confederating a Non-Sovereign Union	Page 63
Tactical – Fostering a Technocracy	Page 64
Tactical – Separation of Powers – Homeland Security	Page 75
Tactical – Separation of Powers – Justice Department – District Attorneys as Special Prosecutors	Page 77
Tactical – Separation of Powers – Justice Department – CariPol: Marshals & Investigations	Page 77
Tactical – Separation of Powers – Justice Department – Witness Protection	Page 77
Tactical – Separation of Powers – Trade Anti-Trust Regulatory Commission	Page 77
Implementation – Foreign Policy Initiatives at Start-up	Page 102
Implementation – Start-up Security Initiatives	Page 103
Implementation – Start-up Benefits from the EEZ – Security – Interdictions & Piracy	Page 104
Implementation – Steps to Implement Self-Governing Entities – Security and Justice	Page 105
Implementation – Ways to Foster International Aid – Military Aid	Page 115
Planning – Ways to Make the Caribbean Better – Safety Measures for the Rich and Poor	Page 131
Planning – Ways to Improve Failed-State Indices – Law Enforcement Oversight	Page 134
Planning – Lessons Learned from the West Indies (WI) Federation – Regiment on the Ready	Page 135
Planning – Lessons from the American West – Law & Order Needed Enforcements	Page 142
Advocacy – Ways to Grow the Economy	Page 151
Advocacy – Ways to Create Jobs	Page 152
Advocacy – Ways to Improve Governance	Page 168
Advocacy – Ways to Better Manage the Social Contract	Page 170
Advocacy – Ways to Improve Leadership	Page 171
Advocacy – Ways to Impact Justice	Page 177
Advocacy – Ways to Reduce Crime	Page 178
Advocacy – Ways to Improve Homeland Security	Page 180
Advocacy – Ways to Mitigate Terrorism	Page 181
Advocacy – Ways to Improve Intelligence Gathering & Analysis	Page 182
Advocacy – Ways to Protect Human Rights	Page 220
Appendix – Art of War Chapters – Chapter 7 – Engaging The Security Force	Page 327

Everyone in the Caribbean, the people and institutions, are hereby urged to lean-in to this Go Lean roadmap for elevation of Caribbean society. The roadmap calls for the heavy-lifting so that the justice institutions (permanent Special Prosecutors/Commissions of Inquiries) of the CU can execute their role in a just manner, thus impacting the Greater Good; see VIDEO below of South Africa’s example. This produces the output of a technocratic system bent on efficiency and effectiveness. In practice, this would mean accountability, transparency, and checks-and-balances in the execution of the rule-of-law.

This is the change for the Caribbean: elevated Public Safety, Law Enforcement and Homeland Security, all necessary to make the Caribbean a better place to live, work and play.

Download the free e-Book of Go Lean … Caribbean – now!

————–

Footnote:
1 – Iraq: A military solution to a political problem?

Source: http://www.aljazeera.com/indepth/opinion/2014/07/iraq-military-solution-political-20147655440813348.html

2 – Conciliation: The process of adjusting or settling disputes in a friendly manner through extra judicial means.

————–

Video: Marikana Commission of Inquiry has concluded its hearings – http://youtu.be/k0XAfRzjSXc

The Marikana Commission of Inquiry in South Africa has concluded its hearings after two years of attempting to establish what happened during the violent Wage Strike at Lonmin Platinum Mine in August 2012. 34 people were shot and killed in a confrontation with the police. 10 others including 2 police officers and 2 Mine Guards were also killed in the days preceding the August 16th tragedy.

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Funding Caribbean Entrepreneurs – The ‘Crowdfunding’ Way

Posted on November 15, 2014 in Economics, Strategy

Go Lean Commentary

The Washington, DC-based World Bank believes that Caribbean entrepreneurs can be funded by networking with the Caribbean Diaspora. This objective aligns with the book Go Lean… Caribbean which serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU) with the charter to facilitate entrepreneurship and job-creation in the region.

Early in the Go Lean book, the responsibility to attract investors and create jobs was identified as an important function for the CU with these pronouncements in the opening Declaration of Interdependence (Pages 13, 14):

xxiv. Whereas a free market economy can be induced and spurred for continuous progress, the Federation must install the controls to better manage aspects of the economy: jobs, inflation, savings rate, investments and other economic principles. Thereby attracting direct foreign investment because of the stability and vibrancy of our economy.

xxvi. Whereas the Caribbean region must have new jobs to empower the engines of the economy and create the income sources for prosperity, and encourage the next generation to forge their dreams right at home, the Federation must therefore foster the development of new industries… In addition, the Federation must invigorate the enterprises related to existing industries … – impacting the region with more jobs.

Before stating an opinion on the plausibility of the World Bank’s proposal, first consider the article, as follows:

Title: Caribbean entrepreneurs need to look to Diaspora for funding – World Bank Group Exec

BRIDGETOWN, Barbados — Caribbean entrepreneurs who are looking for funding to develop new or existing businesses are being encouraged to look to their own nationals living abroad.

“Diaspora financing should be explored as a source of funding for entrepreneurs”, said Aun Rahman, head of the infoDev Access to Finance Programme, at the World Bank Group.

Rahman was speaking on the topic “Access to Finance: Examining Non-Traditional Platforms for Funding”, during the final day of the Caribbean Exporters’ Colloquium 2014 in BridgetownBarbados today.

About 85 per cent of Caribbean people in the Diaspora have said they would “be interested in investing in business back home,” Rahman said adding that they are not only interested in their own countries – but those across the region.

But despite the high interest, Rahman said only a “very few” — about 13 per cent — have actually invested in the Caribbean. The Diaspora investors need a “trusted local partner,” he said.

Project co-ordinator for the Jamaica Venture Capital Programme at the Development Bank of Jamaica, Audrey Richards, also spoke on non-traditional investment sources.

“If we want to attract non-traditional finance, we need to start thinking in a non-traditional way,” she said.

Other participants in the session included Nelson Gray, special project director at LINC Scotland, Shadel Nyack Compton, managing director of Belmont Estate Group of Companies and Judith Mark, managing director and enterprise development consultant at CME Consulting Ltd.
Jamaica Observer Daily Newspaper – Online Site – Retrieved 11-14-2014
http://www.jamaicaobserver.com/business/Caribbean-entrepreneurs-need-to-look-to-Diaspora-for-funding—-World-Bank-Group-exec

“Say it ain’t so”. This assertion seems so out-of-touch. This plays into the fallacy that life is so much better outside the Caribbean, so that when a Caribbean resident emigrates and now lives in the US, Canada, or Europe that they thrive financially to the point that they have disposable income (beyond funding their own basic food-clothing-housing needs, plus support for their families left-behind) so as to be able to invest in entrepreneurs back in their ancestral homelands.

This is a distorted “view” from afar … as in Washington. This is not the true experience “on the ground”. (While a picture is worth a thousand words, it is no substitute to actually being “there”. A picture only describes the visual sense; there is so much more, there are the sounds, smells, touch and taste. All of that experience cannot be easily captured in words or pictures).

The book Go Lean…Caribbean, authored by Diaspora members, posits that while the Caribbean region is the greatest address in the world, (the tropical flora-fauna, islands landscapes-waterscapes, and Caribbean culture cannot be topped any where else on the planet), life “at home” is much harder than picturesque postcards depict. This is why residents leave in the first place, “push and pull factors”, and join the Diaspora.

The Caribbean does need help from the Diaspora to fulfill the Go Lean vision; we need their Time, Talent and Treasuries. But in truth, the Caribbean Diaspora does not thrive financially in their foreign abodes; not with the first generation. Economic studies indicate that only at the 2nd generation, do the immigrant’s legacies (next generation) start to prosper financially^[a]. At that point, these are no longer Diaspora (Nationals of the Caribbean member-states); and may not feel any attachment to their ancestral homelands. This is not just a Caribbean issue; it has been proven with other Diaspora groups: Irish, Italian, Chinese, etc. Added to the reality is the fact that Diaspora/legacy members can easily participate in Wall Street; with such an investment/economic engine, local Caribbean options cannot compete. The foregoing article concedes as much:

“only a ‘very few’ – about 13 per cent — have actually invested in the Caribbean”

The Go Lean roadmap is therefore realistic! We are not expecting the Diaspora to be some panacea of Caribbean societal ills. Rather, as a region, we must do the heavy-lifting ourselves. This roadmap proffers a unified, consolidated Caribbean effort, engaging all stakeholders: residents, Diaspora, Direct Foreign Investors, passive investors, NGOs and even governmental agencies, domestic and foreign. “All hands on deck”!

The foregoing article also states that “if we want to attract non-traditional finance, we need to start thinking in a non-traditional way”. This is the siren call of the Go Lean book, to effectuate change in the region, allowing for the following 3 prime directives:

Optimization of the economic engines in order to grow the regional economy to $800 Billion GDP and create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines.
Improve Caribbean governance/administration/oversight to support these engines.

The Go Lean book/roadmap reflects the recommended “non-traditional thinking” to attract non-traditional funding for Caribbean empowerment and entrepreneurial endeavors:

The book advocates for incubators… helping/coaching entrepreneurs to put together proper business plans and structures…
The book advocates for cooperatives…
The book advocates for the full exploration and exploitation of social media, identifying www.myCarribbean.gov …

All these strategies allow for non-traditional funding methods such as crowdfunding^[b](already essentially practiced in the region as no-tech offerings: Asue, Partner, Asociacion); this is the practice of funding a project or venture by raising monetary contributions from a large number of people, typically via the internet.^[1] One early-stage equity expert described crowdfunding as “the practice of raising funds from two or more people over the internet towards a common Service, Project, Product, Investment, Cause, and Experience or SPPICE.”^[2]

(See crowdfunding definition/explanation in the below VIDEO in the Appendix).

The crowdfunding model is fueled by three types of actors:

the project initiator who proposes the idea and/or project to be funded;
individuals or groups who support the idea (inclusive of the Diaspora);
and a moderating organization (the “platform”, envisioned for the CU‘s www.myCarribbean.gov) that brings the parties together to launch the idea.^[3]

This strategy has proven successful for many other endeavors. In 2013, the crowdfunding industry grew to over $5.1 billion worldwide;^[4] (see Kickstarter Appendix below):

There are three primary types of crowdfunding:

Reward-based crowdfunding – entrepreneurs pre-sell a product or service to launch a business concept without incurring debt or sacrificing equity/shares. Reward-based crowdfunding has been used for a wide range of purposes, including motion picture promotion,^[16] free software development, inventions development, scientific research,^[17] and civic projects.^[18] For a joint study between Toronto, Canada’s York University and Universite Lille Nord de France, in Lille, France, published on June 2, 2014, two types of reward-based crowdfunding were identified: “‘Keep-it-All’ (KIA) where the entrepreneurial firm sets a fundraising goal and keeps the entire amount raised regardless of whether or not they meet their goal, and ‘All-or-Nothing’ (AON) where the entrepreneurial firm sets a fundraising goal and keeps nothing unless the goal is achieved.”^[19] The study’s researchers analyzed 22,875 crowdfunding campaigns, with targets of between US$5,000 and US$200,000, and concluded: “Overall, [all-or-nothing] fundraising campaigns involved substantially larger capital goals, and were much more likely to be successful at achieving their goals.” In its review of the study outcomes, the Inc.com publication explained that potential investors are more inclined to support “all-or-nothing strategy” initiatives, whereby a substandard product will not be released if the funding goal is not achieved. The Inc.com review concluded that “AON” campaign typically provide more detailed information on the campaign.^[20]

Equity-based crowdfunding – the backer receives unlisted shares of a company, usually in its early stages, in exchange for the money pledged. The company’s success is determined by how successfully it can demonstrate its viability.^[15] Equity-based crowdfunding is the collective effort of individuals to support efforts initiated by other people or organizations through the provision of finance in the form of equity.^[21][22] In the United States, legislation that is mentioned in the 2012 JOBS Act will allow for a wider pool of small investors with fewer restrictions following the implementation of the act.^[22]

Credit-based crowdfunding – In the U.S., credit-based crowdfunding from non-banks became more prominent as a form of crowdfunding in 2012, with the launch of the Lending Club, which had advanced more than US$500 million in loans via its website by April 2012. Prospective borrowers of the Lending Club first submit their requirements, and are then matched with pools of investors who are willing to accept the credit terms. Platforms such as the Lending Club gained popularity, as banks increased interest rates or reduced their level of lending activity. Another credit-based platform, Prosper.com, was established in 2006 and had funded nearly US$325 million in personal loans by April 2012.^[23]

There are many dynamics of this nascent industry that must be considered and mastered if the Caribbean is to benefit from crowdfunding. Consider the following:

Crowdfunding applications – Crowdfunding is being experimented with as a funding mechanism for creative work such as blogging and journalism,^[51] music, independent film,^[52][53] (See KickStarter Appendix below) and for funding startup companies.^{[54][55][56][57]} Community music labels are usually for-profit organizations where “fans assume the traditional financier role of a record label for artists they believe in by funding the recording process”.^[58] A Financialist article published in mid-September 2013 stated that “the niche for crowdfunding exists in financing films with budgets in the [US]$1 to $10 million range” and crowdfunding campaigns are “much more likely to be successful if they tap into a significant pre-existing fan base and fulfill an existing gap in the market.”^[60]

Philanthropy and civic projects – A variety of crowdfunding platforms have emerged to allow ordinary web users to support specific philanthropic projects without the need for large amounts of money.^[18]

Real estate crowdfunding (and REITs) – Real estate crowdfunding is the online pooling of capital from investors to fund mortgages secured by real estate, such as “fix and flip” redevelopment of distressed or abandoned properties, and equity for commercial and residential projects, acquisition of pools of distressed mortgages, home buyer down payments and similar real estate related outlets. Investment, via specialized online platforms, is generally completed under Title II of the JOBS Act and is limited to accredited investors. The platforms offer low minimum investments, often $100 – $10,000.^[63][64]

Intellectual property exposure – One of the challenges of posting new ideas on crowdfunding sites is there may be little or no intellectual property (IP) protection provided by the sites themselves. Once an idea is posted, it can be copied. As Slava Rubin, founder of IndieGoGo said: “We get asked that all the time, ‘How do you protect me from someone stealing my idea?’ We’re not liable for any of that stuff.”^[65] Inventor advocates, such as Simon Brown, founder of the UK-based United Innovation Association, counsel that ideas can be protected on crowdfunding sites through early filing of patent applications, use of copyright and trademark protection as well as a new form of idea protection supported by the World Intellectual Property Organization called Creative Barcode.^[66]

Innovative new platforms, such as RocketHub, have emerged that combine traditional funding for creative work with branded crowdsourcing – helping artists and entrepreneurs unite with brands “without the need for a middle man.”^[61]

Global Giving allows individuals to browse through a selection of small projects proposed by nonprofit organizations worldwide, donating funds to projects of their choice.

Microcredit crowdfunding platforms such as Kiva (organization) and Wokai facilitate crowdfunding of loans managed by microcredit organizations in developing countries.

The US-based nonprofit Zidisha offers a new twist on these themes, applying a direct person-to-person lending model to microcredit lending for low-income small business owners in developing countries. Zidisha borrowers who pass a background check may post microloan applications directly on the Zidisha website, specifying proposed credit terms and interest rates. Individual web users in the US and Europe can lend as little as one US dollar, and Zidisha’s crowdfunding platform allows lenders and borrowers to engage in direct dialogue. Repaid principal and interest is returned to the lenders, who may withdraw the cash or use it to fund new loans.^[62]

DonorsChoose.org, founded in 2000, allows public school teachers in the United States to request materials for their classrooms. Individuals can lend money to teacher-proposed projects, and the organization fulfills and delivers supplies to schools.

There are also a number of own-branded university crowdfunding websites, which enable students and staff to create projects and receive funding from alumni of the university or the general public. Several dedicated civic crowdfunding platforms have emerged in the US and the UK, some of which have led to the first direct involvement of governments in crowdfunding.

The Go Lean…Caribbean roadmap asserts that the adoption of new community ethos, plus the executions of the following strategies, tactics, implementations and advocacies will foster the “crowdfunding”/investment industry in the region:

Community Ethos – Deferred Gratification	Page 21
Economic Principles – People Choose because Resources are Limited	Page 21
Economic Principles – People Respond to Incentives	Page 21
Economic Principles – Economic Systems Influence Choices & Incentives	Page 21
Economic Principles – Consequences of Choices Lie in the Future	Page 21
Community Ethos – Job Multiplier	Page 22
Community Ethos – Lean Operations	Page 24
Community Ethos – Return on Investments (ROI)	Page 24
Community Ethos – Cooperatives	Page 25
Community Ethos – Ways to Impact the Future	Page 26
Community Ethos – Ways to Help Entrepreneurship	Page 28
Community Ethos – Ways to Promote Intellectual Property	Page 29
Community Ethos – Ways to Impact Research & Development (R&D)	Page 30
Community Ethos – Ways to Bridge the Digital Divide	Page 31
Community Ethos – Ways to Improve Sharing	Page 35
Community Ethos – Ways to Impact the Greater Good	Page 37
Strategy – Mission – Foster Local Economic Engines.	Page 45
Strategy – Customers of the CU – Diaspora – Incentivize Investments	Page 47
Tactical – Fostering a Technocracy	Page 64
Tactical – Tactics to Forge an $800 Billion Economy – High Multiplier Industries	Page 70
Tactical – Separation of Powers – Self-Governing Entities	Page 80
Implementation – Ways to Pay for Change – SGE Licenses	Page 101
Implementation – Steps to Implement Self-Governing Entities	Page 105
Implementation – Ways to Deliver	Page 109
Implementation – Ways to Impact Social Media	Page 111
Planning – 10 Big Ideas – Self-Governing Entities / Cyber Caribbean	Page 127
Planning – Ways to Improve Trade	Page 128
Planning – Ways to Make the Caribbean Better	Page 131
Advocacy – Ways to Grow the Economy	Page 151
Advocacy – Ways to Create Jobs	Page 152
Advocacy – Ways to Foster Cooperatives	Page 176
Advocacy – Ways to Impact Wall Street – Adopt Advanced Products like REITs	Page 200
Advocacy – Ways to Impact Main Street	Page 201
Advocacy – Ways to Impact the Diaspora	Page 217
Appendix – Job Multipliers	Page 259

Under the Go Lean roadmap, there will be plenty of opportunities for entrepreneurial funding. The CU will solicit investors and foster entrepreneurism by featuring the structures of Self-Governing Entities (SGE); these are bordered grounds like high-tech R&D campuses, medical parks, and technology bases; but they will also include low-tech blue-collar activities like salvage yards and ship-breaking. The subjects of SGE’s, self-employment opportunities and entrepreneurial hustle has been directly addressed and further elaborated upon in these previous blog/commentaries:

https://goleancaribbean.com/blog/?p=2857	Where the Jobs Are – Entrepreneurism in Junk
https://goleancaribbean.com/blog/?p=2338	Using SGE’s to Welcome the Dreaded ‘Plutocracy’
https://goleancaribbean.com/blog/?p=2126	Where the Jobs Are – Computers Reshaping Global Job Market
https://goleancaribbean.com/blog/?p=2025	Where the Jobs Are – Attitudes & Images of the Caribbean Diaspora in US
https://goleancaribbean.com/blog/?p=2003	Where the Jobs Are – Ship-breaking under SGE Structure
https://goleancaribbean.com/blog/?p=1698	Where the Jobs Are – STEM Jobs Are Filling Slowly
https://goleancaribbean.com/blog/?p=1683	Where the Jobs Were – British public sector now strike over ‘poverty pay’
https://goleancaribbean.com/blog/?p=1596	Book Review: ‘Prosper Where You Are Planted’
https://goleancaribbean.com/blog/?p=1325	Puerto Rico Governor Signs Bill on Small-Medium-Enterprises
https://goleancaribbean.com/blog/?p=1214	Where the Jobs Are – Fairgrounds under SGE Structure as Landlords for Sports Leagues
https://goleancaribbean.com/blog/?p=599	Ailing Puerto Rico open to radical economic fixes – with focus on Informal Economy
https://goleancaribbean.com/blog/?p=398	Self-employment on the rise in the Caribbean – World Bank
https://goleancaribbean.com/blog/?p=273	10 Things We Don’t Want from the US – Job Discrimination of Immigrations
https://goleancaribbean.com/blog/?p=214	LCD versus an Entrepreneurial Ethos

The Caribbean is arguably the best address on the planet, but there are a lot of missing ingredients so as to be the best address for everyone. Due to this deficiency, the region has lost a large share of its human capital, one estimate of 70%, to the brain-drain. Some of the missing ingredients, “push” factors, have been jobs and opportunities for entrepreneurship.

No More! Change has come to the Caribbean. Starting first with the CU leadership – “thinking in a non-traditional way”.

The roadmap anticipates 150 million unique subscribers on www.myCarribbean.gov. This technocratic approach is more viable, more engaging than simply throwing our hopes over some wall to the far-flung Diaspora.

We must stop the floodgates of the debilitating brain-drain now and encourage our youth to seek a future in their homeland. While, we are at it, we must also encourage the far-flung Diaspora to repatriate back to the Caribbean.

This plan identified in the Go Lean book and blog/commentaries is a good start to create the missing opportunities for the region. The end result of this roadmap is a clearly defined destination: a better place to live, work and play. 🙂

Download the book Go Lean … Caribbean – now!

———-

Appendix A – Video – Crowdfunding: http://youtu.be/8b5-iEnW70k

What is Crowdfunding? Crowdfunding planning? What, How, Why and When? One platform’s view:

Appendix B – Kickstarter Campaigns

On April 17, 2014, the UK-based Guardian media outlet published a list of “20 of the most significant projects” launched on the Kickstarter platform prior to the date of publication:

Musician Amanda Palmer raised US$1.2 million from 24,883 backers in June 2012 to make a new album and art book.^[40]
American Hans Fex raised US$1,226,811 from 5,030 backers in March 2014 for his “MiniMuseum” project that he describes on his Kickstarter page: “For the past 35 years I have collected amazing specimens … I then carefully break those specimens down into smaller pieces, embed them in acrylic … Each mini museum is a handcrafted, individually numbered limited edition … The majority of these specimens were acquired directly from contacting specialists recommended to me by museum curators, research scientists and university historians”.^[41]
Writer Rob Thomas raised $5.7 million from 91,585 backers in April 2013 to create a feature film version of the defunct television series Veronica Mars. The nine award levels were initially available to backers in 21 countries, including Brazil, Canada, Finland and Germany. Lead actress Kristen Bell explained on the launch date of the project: “I promise if we hit our goal, we will make the sleuthiest, snarkiest, it’s-all-fun-and-games-‘til-one-of-you-gets-my-foot-up-your-ass movie we possibly can.”^[42]
Actor, writer and director Zach Braff raised US$3.1 million from 46,520 backers in May 2013 to create the feature film Wish I Was Here, which premiered at the Sundance Film Festival. Braff’s campaign was financially complemented by Worldview Entertainment.
Filmmaker Spike Lee raised US$1.4 million from 6,421 backers in August 2013 to make a feature film that, as of April 2014, is not titled. The film will feature actors Stephen Tyrone Williams, Zaraah Abrahams and Michael K. Williams.
YouTube celebrity Freddie Wong, who owns the company RocketJump, raised US$808,000 to produce the second series of the Web-based series Video Game High School. In February 2013, 10,613 backers committed funds to the project following the series’ first season, which was also funded on Kickstarter.
Performance artist Marina Abramovic raised US$661,000 from 4,765 backers in August 2013 after paying US$950,000 to buy a building that would house the “Marina Abramovic Institute”. The building, as well as a corresponding organization, was foremost to the campaign, as Abramovic seeks to feature and maintain “long durational work, including that of performance art, dance, theatre, film, music, opera, and other forms that may develop in the future”.
The Kano technology company raised US$1.5 million from 13,387 backers in December 2013 to create a “computer and coding kit for all ages.” In June 2014, Kano will ship a case, a keyboard, a speaker, a wireless server, and software that encourages children to learn the “Kano Blocks” coding language, a set of computer programming skills.
The Flint and Tinder company raised US$1.1 million from 9,226 backers in April 2013 for its “10-Year Hoodie” hooded sweatshirt that consists of 100%cotton and is made in the U.S. The company explains on its website: “Companies have systematically lowered your expectations to the point where it’s hard to know what to expect anymore. But while they’re busy off-shoring, out-sourcing and generally making things as cheaply and quickly as possible. It ends here.” According to Flint and Tinder, one million units of the product have been sold.^[43][44]

———–

Appendix C – Source References:

a. http://www.urbandictionary.com/define.php?term=jamerican / http://www.nytimes.com/2013/04/21/sunday-review/hispanics-the-new-italians.html?pagewanted=all&_r=0
b. http://en.wikipedia.org/wiki/Crowdfunding

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e-Commerce, ICT, Transform

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‘Too Big To Fail’ – Caribbean Version

Posted on November 14, 2014 in Economics, Government

Go Lean Commentary

The book Go Lean…Caribbean serves as a roadmap to implement the technocratic Caribbean Union Trade Federation (CU) and Caribbean Central Bank (CCB) to provide better stewardship, to ensure that the economic failures of the past do not re-occur.

What economic failures?

There were crises on 2 levels: the Global Financial Crisis of 2007 – 2009 and regional financial banking dysfunctions.

Global – The banks labeled “Too Big To Fail” impacted the world’s economy during the Global Financial Crisis. (See the VIDEO below on the anatomy and consequence of the Credit Crisis). Though the epi-center was on Wall Street, the Caribbean was not spared; it was deeply impacted with onslaughts to every aspect of Caribbean life (think: Tourism decline). In many ways, the crisis has still not passed.

Regional – The Caribbean region has not been front-and-center to many financial crises in the past, compared to the 465 US bank failures between 2008 and 2012.^[a]But over the past few decades, there have been some failures among local commercial banks and affiliated insurance companies where the institutions could not meet demands from depositors for withdrawal. Consider these examples from Jamaica and Trinidad:

There was a banking crisis in Jamaica in the 1990s. In January 1997, the decision was made to establish the Financial Sector Adjustment Company (FINSAC) with a mandate to take control and restructure the financial sector. FINSAC took control of 5 of the 9 commercial banks, 10 merchant banks, 21 insurance companies, 34 securities firms and 15 hotels. It was also involved in the re-capitalization and restructuring of 2 life insurance companies, with the requirement that they relinquish their shares in 2 commercial banks.^[b]
For Trinidad, the notable failure was the holding company CL Financial, with subsidiaries Colonial Life Insurance Company and the CLICO Investment Bank (CIB). In mid-January 2009, this group approached the Central Bank of Trinidad and Tobago requesting financial assistance due to persistent liquidity problems. The global financial events of 2008 combined with other factors placed tremendous strain on the group’s Balance Sheet. The CL Financial lines of business ranged from the areas of finance and energy to manufacturing and real estate services. The group’s assets were estimated at US$16 billion at year-end 2007, and it had a presence in at least thirty countries worldwide, including Barbados. Most significantly, the company held investments in real estate in Trinidad and the United States of America, and in the world’s largest methanol plant prior to its difficulties.

Welcome to the new Caribbean economy.

With the advent of the CARICOM Single Market & Economy (CSME), a more integrated region is expected to lead to greater linkages among the member-states of this existing economic union. The Go Lean roadmap calls for the deployment of the Caribbean Central Bank. So the issue of financial contagions will now have to be a constant concern for this regional sentinel.

The biggest threat of global financial contagions for this region has been dilution of net worth for the citizens of the US, Canada and Western Europe, the primary source of Caribbean tourists.

The prime directive of the CU is to optimize economic, security and governing engines to impact the Caribbean’s Greater Good, for all stakeholders: residents, visitors, bank depositors and mortgage-holders. This need was pronounced early in the Go Lean book, in the Declaration of Interdependence – (Page 13):

xxv. Whereas the legacy of international democracies had been imperiled due to a global financial crisis, the structure of the Federation must allow for financial stability and assurance of the Federation’s institutions. To mandate the economic vibrancy of the region, monetary and fiscal controls and policies must be incorporated as proactive and reactive measures. These measures must address threats against the financial integrity of the CU and of the member-states.

The foregoing news articles shows the type of functions executed by technocracies: monitoring risks, assessing risk factors, managing leverage and regulating industry performances. This first article considers and welcomes new stewardship for the global “too big to fail” banks:

Title #1: New bank rules proposed to end ‘too big to fail’
By: Joshua Franklin and Huw Jones

BASEL, Switzerland/LONDON (Reuters) – Banks may have to scrap dividends and rein in bonuses if they breach new rules designed to ensure that creditors rather than taxpayers pick up the bill when big lenders collapse.

Mark Carney, chairman of the Financial Stability Board and Bank of England governor, said the rules, proposed on Monday, marked a watershed in putting an end to taxpayer bailouts of banks considered too big to fail.

“Once implemented, these agreements will play important roles in enabling globally systemic banks to be resolved (wound down) without recourse to public subsidy and without disruption to the wider financial system,” Carney said in a statement.

After the financial crisis in 2007-2009, governments had to spend billions of dollars of taxpayer money to rescue banks that ran into trouble and could have threatened the global financial system if allowed to go under.

Since then, regulators from the Group of 20 economies have been trying to find ways to prevent this happening again.

The plans envisage that global banks like Goldman Sachs and HSBC should have a buffer of bonds or equity equivalent to at least 16 to 20 percent of their risk-weighted assets, such as loans, from January 2019.

These bonds would be converted to equity to help shore up a stricken bank. The banks’ total buffer would include the minimum mandatory core capital requirements banks must already hold to bolster their defences against future crises.

The new rule will apply to 30 banks the regulators have deemed to be globally “systemically important,” though initially three from China on that list of 30 would be exempt.

G2O leaders are expected to back the proposal later this week in Australia. It is being put out to public consultation until Feb. 2, 2015.

David Ereira, a partner at law firm Linklaters, said that on its own the new rule as proposed would not end “too big to fail” banks and that politically tricky details still had to be settled.

BASELTOWER

Carney was confident the new rule would be applied as central banks and governments had a hand in drafting them.

“This isn’t something that we cooked up in Basel tower and are just presenting to everybody,” he told a news conference, referring to the FSB’s headquarters in Switzerland.

Most of the banks would need to sell more bonds to comply with the new rules, the FSB said. Some bonds, known as “senior debt” that banks have already sold to investors, would need restructuring.

Senior debt was largely protected during the financial crisis, which meant investors did not lose their money. But Carney said it in future these bonds might have to bear losses if allowed under national rules and if investors were warned in advance.

The new buffer, formally known as total loss absorbing capacity or TLAC, must be at least twice a bank’s leverage ratio, a separate measure of capital to total assets regardless of the level of risk.

Globally, the leverage ratio has been set provisionally at 3 percent but it could be higher when finalised in 2015.

Some of the buffer must be held at major overseas subsidiaries to reassure regulators outside a bank’s home country. Banks may have to hold more than the minimum because of “add-ons” due to specific business models, Carney said.

Elke Koenig, president of German regulator Bafin, said supervisors should orient themselves more toward the upper end of the 16-20 percent range, though banks may be given more time to comply.

Fitch ratings agency said banks might end up with a buffer equivalent to as much as a quarter of their risk-weighted assets once other capital requirements were included. Analysts have estimated this could run to billions of dollars.

Analysts at Citi estimated the new rule could cost European banks up to 3 percent of profits in 2016.

Citi said European banks would be required to issue the biggest chunk of new bonds, including BNP Paribas , Deutsche Bank , BBVA and UniCredit , with Swiss and British banks the least affected in Europe.

(Additional reporting by Alexander Huebner in Bonn, Editing by Keiron Henderson and Jane Merriman)
Reuters Newswire Service – Online Site (Posted 11/10/2014; retrieved 11/13/2014) –
http://news.yahoo.com/g20-proposes-buffer-end-too-big-fail-banks-061252790–sector.html

Within the region, this second article considers the stewardship of one Caribbean financial institution in Jamaica and their lending practices:

Title #2: VMBS sees dramatic fall in foreclosures

VICTORIA Mutual Building Society (VMBS) recorded a three-quarters drop in property foreclosures last year.

It signals greater resilience by homeowners during an austere economy affected by heavy currency depreciation.

“The building society also enabled more members who were facing financial difficulties to retain ownership of their homes,” said VMBS in a statement about its year ended December 31, 2013. “Foreclosures on properties totalled 10 last year, compared to 37 the year before.”

Its non-performing loans, or loans unserviced for over 90 days, moved from 6.9 per cent at the beginning of the year to 5.6 per cent at the end.

“This improvement was the result of the continued drive to engage members who were having difficulty meeting their monthly mortgage payments, and working with them collaboratively, with the aim of helping them to bring their accounts current and retain ownership of their homes,” said Michael McMorris, chairman of Victoria Mutual, in his report for the group’s 135th annual general meeting held last month.

Greater focus was also placed on sales and services with mortgage disbursements up 133 per cent to $3.3 billion last year, the company indicated.

The Victoria Mutual Group, an amalgam of various financial, mortgage and insurance entities, made less after-tax surplus at $965.8 million for 2013 compared with $1 billion a year earlier.

The group’s pre-tax surplus actually increased year on year but its after-tax surplus dipped 4.2 per cent to $965.8 million as it was “adversely affected by the imposition of an asset tax on regulated financial institutions, which applied to both VMBS and VM Wealth Management,” stated the company.

The VM Group said that it aims to keep mortgage rates low by reducing administration costs, which augurs well for prospective homeowners.

Stated McMorris: “Internally, the year 2014 will see a continuation of a number of projects and initiatives geared towards improving efficiency and service delivery throughout the group.”

VM Group will seek to improve its financial advisory and brokerage services by growing the assets it manages on behalf of clients.

“To do this, Victoria Mutual Wealth Management Limited (VMWM) is working on new products to allow clients to customise their investment portfolios,” stated McMorris.

VMBS Money Transfer Services Limited (VMTS) plans to expand its services, both locally and overseas. The remittance company became profitable two years ago, and saw earnings grow by 61 per cent last year, due largely to an increase in fees, the company stated. VMTS also benefited from a 28 per cent increase in foreign exchange trading gains.

“Better gains on foreign exchange in part reflected a more challenging business environment last year, when depreciation of the Jamaican dollar was higher than 12 per cent,” stated the company.

VMBS allows its debit card holders free withdrawals at any of its teller machine or point-of-sale terminals.
Jamaica Observer Daily Newspaper – Online Site (Posted 08/20/2014; retrieved 11/13/2014) – http://www.jamaicaobserver.com/business/VMBS-sees-dramatic-fall-in-foreclosures_17381839

The related subjects of banking oversight and optimizing financial governance have been a frequent topic for blogging by the Go Lean promoters, as sampled here:

5 Steps of a Bubble – Learning to make a resilient economy

Canadian Imperial Bank of Commerce failing investment in FirstCaribbean Bank

Bitcoin needs regulatory framework to change ‘risky’ image

Open the Time Capsule: The Great Recession of 2008

What Usain Bolt can teach banks about financial risk

Barbados Central Bank records $3.7m loss in 2013

US Federal Reserve Releases Transcripts from 2008 Meetings

Dominica raises EC$20 million on regional securities market

Fractional Banking System – How to Create Money from Thin Air

Book Review: ‘Wrong – Nine Economic Policy Disasters and What We Can Learn…’

10 Things We Want from the US – # 2: American Capital

The Erosion of the Middle Class

All Caribbean countries have experienced economic dysfunction: English, Dutch, French and Spanish territories. In line with the foregoing articles, the Go Lean book details many infrastructural enhancements/advocacies to the region’s financial eco-system; to facilitate efficient management of the economy … going forward:

Ethos-Strategy-Tactics-Implementation-Advocacy	Page
Anecdote – Caribbean Single Market & Economy	15
Anecdote – Puerto Rico – The Caribbean’s Greece	18
Economic Systems Influence Individual Choices	21
Improve Sharing	35
Confederating Non-Sovereignty	45
Facilitate Currency Union/Co-op of Caribbean Dollar	45
Fostering a Technocracy	64
Caribbean Central Bank	73
Deposit Insurance Regulations	73
Securities Regulatory Authority	74
Modeling the European Union / Central Bank	130
Lessons from 2008	136
Anecdote – Caribbean Currencies	149
Growing the Economy	151
Creating Jobs	152
Better Manage Foreign Exchange	154
Improve Credit Ratings	155
Foster Cooperatives	176
Banking Reforms	199
Wall Street – Capital/Securities Market	200
Impact the Diaspora	219
Impact Retirement – Need for Savings	221
Help the Middle Class	223
Re-boot Jamaica	239
Appendix – Alternative Remittance Modes	270

There is no doubt that there has been mis-management of the Caribbean economy in the past. Consider the example of Jamaica; their currency has suffered from many de-valuations and depreciations; an average amount of $2.50 a year since the 1970’s; trading at 87-to-1 US Dollar; (at the time that Go Lean was composed – November 2013). Social Anthropologist posit that when societies come under duress, the communities have 2 choices: ‘Fight” or “Flight”. How have the countries responded that are cited in this commentary? They have chosen “flight”. A previous blog reported an average of 70 percent brain-drain rate across the region; with Jamaica at 85% and Trinidad at 79%.

Now is the time for change; time for new stewards of the Caribbean economy, security and governing engines. It’s time for the CU/CCB. We must prove that we have learned from the past. See the VIDEO below on the anatomy and consequence of the Credit Crisis.

The purpose of this roadmap is to provide that new stewardship. A lot is at stake: the destination for the hopes and dreams of the Caribbean youth. No more flight! We must act now and make the Caribbean, a better place to live, work and play. 🙂

———-

Appendix Video: – The Short and Simple Story of the Credit Crisis – http://youtu.be/bx_LWm6_6tA

Source References:

[a]. https://news.yahoo.com/facts-numbers-us-bank-failures-183852568.html

[b]. http://www.centralbank.org.bb/WEBCBB.nsf/WorkingPapers/DB0CF759B9E97FB9042579D70047F645/$FILE/Exploring%20Liquidity%20Linkages%20among%20CARICOM%20Banking%20Systems.pdf

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2008, Banks, Crony-Capitalism, Jamaica, Security, Trinidad

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Local Miami Haitian leaders protest Bahamian immigration policy

Posted on November 13, 2014 in Locations, Planning

Go Lean Commentary

“Why’s everybody always pickin’ on me?” – The Coasters – Charlie Brown Song; (see Appendix A).

It would seem that Haitians all around the world can sing the chorus to this above song. The history of Haiti is frequented with hardships in their own country and they have understandingly pursued a better life abroad. However, the Haitian Diaspora have also experienced oppression, discrimination and exclusionary treatment abroad and have had to endure a “hard welcome” in most foreign countries.

The book Go Lean…Caribbean serves as a roadmap for elevating Caribbean society, for all 30 member-states, including Haiti. As such there are direct references in the book regarding Haiti’s historicity; (Pages 238 & 306).

In addition to history, Haiti also has a different geography compared to most Caribbean nations. They share the same island with the Dominican Republic. The oppression, discrimination and exclusionary treatment of Haitians started on that island. Over the years, the governmental administrations of the Dominican Republic have favored “white” immigrant refugees over other races; Dominican troops often forcibly expelled illegal Haitians. Most notably, the 1937 Parsley Massacre of Haitian immigrants, a government-sponsored genocide in October 1937, at the direct order of then President Rafael Trujillo. He ordered the execution of the Haitian population living in the borderlands. The violence resulted in the killing of 20,000 ethnic Haitian civilians during approximately five days. (See Appendix B for additional historic references and inferences).

The US and other countries in the Caribbean neighborhood have also been harsh in their treatment of Haitian refugees. Consider this story of a conflict with the Bahamas, and the protests from the Haitian Diaspora in Miami:

1. News Article Title: Local Miami Haitian leaders protest Bahamian immigration policy
http://www.wsvn.com/story/27344225/local-haitian-leaders-protest-bahamian-immigration-policy – Posted: November 10, 2014

MIAMI (WSVN) — Local leaders are stepping up to stop a deportation dilemma regarding an immigration policy.

The policy forces families of Haitian descent out of the Bahamas.

Florida State Representative Daphne Campbell spoke out on the issue at a press conference in Little Haiti Monday morning. “I’m asking all, all cruises and all tourists, to make sure every industry boycotts the Bahamas to end discrimination against Haitian children,” Campbell stated. “Boycott Bahamas! Boycott Bahamas! Boycott Bahamas!”

Activists are now asking for the public’s support in helping to protect the future of Haitian families.
————

Video: WSVN Newscast – http://www.wsvn.com/story/27344225/local-haitian-leaders-protest-bahamian-immigration-policy?autoStart=true&topVideoCatNo=default&clipId=10832494

Though the leader of the accusing team has her detractors/problems, (South Florida state Rep. Daphne Campbell faces IRS investigation and she is already facing a Florida Medicaid fraud probe), the subject of her accusation may still have merit. What are the facts of the case regarding Haitian children in the Bahamas?

The Bahamas does not automatically grant citizenship to people born of foreign parentage in its homeland. There are special provisos even if one parent is a Bahamian citizen; many details of which are gender-biased. (There were attempts to correct these provisos in Parliament this past year, but this legislative reform was stalled).

This citizenship criteria is not standard … compared to the US, Canada, and most western European countries. Ironic as these countries are also the source of most tourists visiting the Bahamas, the #1 economic driver for the country. So any traction in this Boycott Bahamas campaign can potentially have a negative impact – remember “Boycott Apartheid in South Africa”.

What’s worse, the Universal Declaration of Human Rights or UDHR (as related in Go Lean book Page 220) have specific prohibitions against national governments enforcing laws that effectuate discrimination against minority groups.

(The UDHR was adopted by the United Nations General Assembly in 1948, partly in response to the atrocities of World War II, composed by a committee led by former American First Lady Eleanor Roosevelt. Although the UDHR was a non-binding resolution, it is now considered by some to have acquired the force of international customary law which may be invoked in appropriate circumstances by national and other judiciaries. The UDHR urges member nations to promote a number of human, civil, economic and social rights, asserting these rights as part of the “foundation of freedom, justice and peace in the world”).

This means you Bahamas! Are you ready to receive the onslaught of darts from the international community? Economic sanctions, formal or informal, are debilitating!

This is not just a Haitian -versus- Bahamian issue. The same immigration-border-encroaching issues are trending with the US, Dominican Republic and Puerto Rico. This following news article relates this controversy:

2. Title: Haitian Illegal Immigration Through Puerto Rico Is Skyrocketing Too – http://news.yahoo.com/haitian-illegal-immigration-puerto-rico-skyrocketing-too-021611125.html;_ylt=AwrBJR6DB9dTyzoAHyzQtDMD – Posted: July 26, 2014

While U.S. immigration agencies grapple with a recent surge of tens of thousands of illegal immigrants at the Mexican border, the number of Haitians trying to enter the U.S. illegally through Puerto Rico has skyrocketed as well.

In 2011, only 12 Haitians made the trek through the Dominican Republic to Puerto Rico, a U.S. territory in the Caribbean Sea. That number had ballooned to 1,760 as of last year, according to U.S. Coast Guard statistics, CBS News reports.

“That’s new, and that’s something we’re trying to target,” Capt. Mark Fedor, the Coast Guard’s chief of response for the Southeast and Caribbean, told CBS.

“Organized smugglers in the Dominican Republic are advertising their services to Haitians and saying, ‘We’ll smuggle you through the Dominican Republic, put you on a boat to Puerto Rico or to one of the islands in the Mona Pass – a much shorter journey and we can get you to the United States that way.’ And I think people are responding to that,” he said.

The Dominican smugglers often drop their Haitian charges off at Mona Island, an uninhabited Puerto Rican island 40 miles off of the Dominican coast in the Mona Pass.

“As soon as you’re in Puerto Rico, it’s like you’re in the United States,” Lolo Sterne, coordinator for Haiti’s Office of Migration, told the Associated Press last year.

Once in Puerto Rico, the illegal Haitian immigrants are able to fly to destinations in the U.S. without having to show a passport. All they need is a driver’s license, according to the Associated Press.

The new route through the Mona Pass is seen as more desirable as the U.S. Coast Guard has increased patrols of normal routes taken by immigrants from Haiti and the Dominican Republic. As the AP points out, it has become more difficult to travel directly to the U.S. mainland or through Miami, which has historically served as the choice destination for illegal immigrants from the Caribbean.

Haiti and its 9+ million residents need change. In fact, all of the Caribbean’s 42 million people need change/empowerment.

The purpose of the Go Lean roadmap is to turn-around the downward trends in the Caribbean today, to reverse course and elevate society in the Caribbean as a whole and Haiti in particular. The CU, applying best-practices for community empowerment has these 3 prime directives, pronounced as follows:

Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
Establishment of a security apparatus to protect the resultant economic engines.
Improve Caribbean governance, with consideration for minority equalization, to support these engines.

How exactly can the CU impact Haiti to reboot that failing state? The answer can be found in the history of post-war Europe, where the Marshall Plan was instrumental in rebooting that continent. The book Go Lean…Caribbean details a Marshall Plan-like roadmap for Haiti, and all other failing Caribbean institutions.

The related subjects of economic, security and governing dysfunction among European and Caribbean member-states have been a frequent topic for blogging by the Go Lean promoters, as sampled here:

https://goleancaribbean.com/blog/?p=2809	A Lesson in History: Economics of East Berlin
https://goleancaribbean.com/blog/?p=2480	A Lesson in History: Community Ethos of WW II
https://goleancaribbean.com/blog/?p=2330	‘Raul Castro reforms not enough’, Cuba’s bishops say
https://goleancaribbean.com/blog/?p=1531	A Lesson in History: 100 Years Ago Today – World War I
https://goleancaribbean.com/blog/?p=1433	Caribbean loses over 70% of tertiary educated citizens to the brain drain
https://goleancaribbean.com/blog/?p=1014	All is not well in the sunny Caribbean
https://goleancaribbean.com/blog/?p=623	Only at the precipice, do they change
https://goleancaribbean.com/blog/?p=599	Ailing Puerto Rico open to radical economic fixes
https://goleancaribbean.com/blog/?p=451	CariCom Chairman to deliver address on slavery/colonization reparations

The goal of the Go Lean roadmap is simple: to make Haiti (and by extension the rest of the Caribbean) a better place to live, work and play so that citizens would not feel compelled to risk life-and-limb to flee for foreign shores. The goal extends further in the mission to reverse course and encourage the repatriation of the Haitian/Caribbean Diaspora. To accomplish these goals, the book details a series of community ethos, strategies, tactics, implementations and advocacies to empower all the factions of Haitian life in the Caribbean region and in the Diaspora:

Community Ethos – Economic Systems Influence Choices & Incentives	Page 21
Community Ethos – Consequences of Choices Lie in the Future	Page 21
Community Ethos – Anti-Bullying and Mitigation	Page 23
Community Ethos – Minority Equalization	Page 24
Community Ethos – Ways to Impact the Future	Page 26
Community Ethos – Ways to Manage Reconciliations	Page 34
Community Ethos – Ways to Impact the Greater Good	Page 37
Strategy – Vision – Integrate region into a Single Market Economy	Page 45
Strategy – Agents of Change – Globalization	Page 57
Tactical – Separation of Powers – Department of Homeland Security	Page 75
Implementation – Ways to Foster International Aid	Page 115
Planning – 10 Big Ideas … for the Caribbean Region – Haiti & Cuba	Page 127
Planning – Ways to Ways to Model the EU	Page 130
Planning – Reasons Why the CU Will Succeed – Germany Reconciliation Model	Page 132
Planning – Ways to Improve Failed-State Indices – Haiti – first on the region list	Page 134
Planning – Lessons from East Germany – European post-war rebuilding	Page 139
Planning – Lessons from Canada’s History	Page 146
Advocacy – Ways to Grow the Economy	Page 151
Advocacy – Ways to Create Jobs	Page 152
Advocacy – Ways to Foster Empowering Immigration	Page 174
Advocacy – Ways to Impact Justice	Page 178
Advocacy – Ways to Enhance Tourism	Page 187
Advocacy – Ways to Impact the Diaspora – Haitians in Miami	Page 217
Advocacy – Ways to Protect Human Rights	Page 220
Advocacy – Ways to Help Women	Page 226
Advocacy – Ways to Impact Youth	Page 227
Advocacy – Ways to Impact the Dominican Republic	Page 237
Advocacy – Ways to Re-boot Haiti	Page 238
Advocacy – Ways to Impact US Territories	Page 244
Appendix – Dominican Republic – Rafael Trujillo Regime	Page 306

The conclusion of the Go Lean book relates the experiences and motivations of the US Supreme Court for the 1954 landmark decision Brown versus Board of Education. The unanimous wisdom of the 9 Justices on the Court should not be ignored, it was strewn from the experiences of modern society waging two world wars; they saw the rampage, devastation of 60 million deaths around the world and appreciated the wisdom that a downtrodden people would not stay down, that they would rise and revolt, that they would risk their lives and that of their children to pursue freedom.

How impactful is the Haitian Diaspora in the Bahamas? With a total national population of 320,000 and one estimate (July 2013) of 50,000 Haitian and/or Haitian-Bahamians, there is an imminent wave of dissent for the Bahamas to contend with. Don’t wait Bahamas, deal with your domestic issues now! Learn from the experiences of your neighbors, as depicted in the Go Lean book:

US: Lessons from the US Constitution (Page 145)
Canada: Reconciliation with First Nations (Page 146)
Guyana: Indo-Guyanese versus Afro-Guyanese (Page 174)
Trinidad: Indo-Trinidadians versus Afro-Trinidadians (Page 240)

Now is the time for all of the Caribbean to learn the lessons from [economic] history of other successful (US & Canada) and unsuccessful societies. The Go Lean book posits that the Caribbean is in a serious crisis, but asserts that this crisis would be a terrible thing to waste. The people and governing institutions of the Bahamas, Haiti and the region as a whole are hereby urged to lean-in for the empowerments described in the book Go Lean … Caribbean. This is a big deal for the region, we can all strive to make our Caribbean homeland a better place to live, work, and play.

Download the free e-book of Go Lean … Caribbean – now!

———–

Appendix A – The song: Charlie Brown by The Coasters – http://youtu.be/_UnPzp2lmNk

———–

Appendix B – Homework for additional credit: better understand the history of Haiti and its consequential impact on the world.

Video Title: Black In Latin America (Episode 1): Haiti and The Dominican Republic- The Roots of Division

This scholarly work was produced and narrated by noted Professor Henry Louis Gates. This was part of a series developed for the Public Broadcasting System (PBS) , a network of public TV stations in the US. The other features in the series, include:

Black In Latin America (Episode 2): Cuba: The Next Revolution
Black In Latin America (Episode 3): Brazil: A Racial Paradise?
Black In Latin America (Episode 4): Mexico & Peru: The Black Grandma in the Closet

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Bahamas, Foreign Policy, Haiti, Model, Transform

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