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U.S. financial regulators to warn about student debt risks
April 25, 2013

The panel of senior U.S. regulators charged with safeguarding the financial system will warn this week about risks posed by the rapidly growing amount of student debt, increasing pressure on policymakers to deal with the potential problem.

At roughly $1 trillion and rising, education loans may hamper economic growth and limit home purchases as overly indebted households and young workers cut back on consumption and borrowing, the Financial Stability Oversight Council is poised to warn in its latest annual report, sources familiar with the matter said.

The yearly compendium on financial developments and potential risks to the financial system, prepared by the nine agencies that comprise FSOC, will be made public on Thursday. Student debt will not be presented as an immediate threat to financial stability, these people said, but its mention in the report as a risk is likely to alarm a sector that has been in policymakers’ sights for the past year.

FSOC joins the Federal Reserve’s interest rate-setting panel, the Federal Open Market Committee; the Treasury Department’s Office of Financial Research; the Consumer Financial Protection Bureau; and the Federal Reserve Bank of New York in alerting about the possible danger student debt poses to either financial stability or the broader economy.

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Public Service growth under the Liberals and Conservatives

There is no doubt that the Harper Conservatives hold a marked disdain for the public service, having trimmed thousands from the federal bureaucracy over the last couple of years, and characterized public servants as abusive of sick leave, requiring aggressive performance management. Moreover, the public service, responsible as it is for the regulatory, redistributional and welfare functions of the state, is at some natural odds with the pro-corporate libertarian views espoused by many Conservative ideologues.

Even so, progressives’ counter-disdain for Conservatives often obscures the reality that the Liberals—perhaps the best formal political manifestation in Canada of what Chris Hedges terms the ‘liberal class’—often had regressive effects on the country not too dissimilar from those of their Tory counterparts, though perhaps with more palatable public relations.

Take the example of federal public service employment in Canada. In late June, the Office of the Parliamentary Budget Officer (PBO) issued updated employment numbers for the period spanning 1990 and 2012, which allows us to see how the bureaucracy (i.e., core public service including separate agencies) changed in size over the period of Liberal (1993-2005) and Conservative (2006-2012) rule.

What is immediately clear from these figures is that the public service actually shrank by roughly 3.4% during the 12-year Liberal tenure, while it has grown by some 14% during the 7-year Conservative period ending in 2012.

Let’s take a closer look at the Liberal period first. In 1993, when Jean Chrétien became Prime Minister with a Liberal majority, public service employment stood at 252,566. Soon after, however, the Liberals undertook Program Review, “a review of all non-statutory spending programs and a re-examination of the federal government’s role in delivering these programs.” These cuts ultimately involved massive reductions in transfers to provinces covering healthcare and education programs, which had long term effects on things like hospital waiting lists.

By the time the outcomes of Program Review and its second phase (presented in 1996) were fully implemented in 1999, the public service had shrunk to 203,476, a 19.4% drop from 1993 levels. (Indeed, Finance Minister Paul Martin made the remarkable claim in his 1995 Budget Speech that: “Relative to the size of our economy, program spending will be lower in 1996-97 than at any time since 1951.”) Notably, this approach was heavily praised by the right-wing Fraser Institute in 2011, with the organization’s Niels Veldhuis imploring Conservative “Finance Minister [Jim] Flaherty to take similar, decisive steps that would allow him to balance the federal budget within the next two years.”

From 1999 on, the public service began growing under the Liberals until it reached 243,971 in 2005, which still amounted to a net 3.4% drop from 1993 levels.

In contrast, the federal public service grew under the Conservatives between 2005 (the Conservatives assumed power in January 2006) and 2010, from 243,971 to 282,955, respectively, a 16% increase. This positive trend ended in 2011, however; that year, employment growth effectively flatlined, with the public service losing 603 jobs, and then in 2012 employment dropped to 278,092. Between 2005 and 2012, then, the federal public service experienced net growth of 14%.

image

As one might suspect, growth in the Conservative years was led by dramatic hiring in security organizations, like the Canadian Border Services Agency (54.6%), Public Safety Canada (53%), the Royal Canadian Mounted Police’s civilian contingent (40%), and Correctional Services Canada (31%), while departments charged with the delivery of regulatory, redistributive and welfare services, such as the Canadian Food Inspection Agency, Service Canada (which administers social programs like Employment Insurance and Old Age Security) and Veterans Affairs, were cut deeply.

As an aside, it is worth contextualizing public service growth with overall population growth: while Canada’s population grew in the 1993-2012 period by about 22%, Canada’s federal public service grew by only 10.1% in the same timeframe. In other words, the federal public service is today serving a greater number of Canadians with relatively fewer bodies.

                                

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Source: PBO

anonymous said:

Ich bin seid 1Kahr und 5 Monaten in den selben jungen. Meine Beste Freundinn ist mit ihm zusamm und niemand weis das ich in ihn bin auser meiner aller besten freundinn. Ich weis nicht was ich tuhen soll.

Das ist echt schwierig.. aber du solltest wissen was dir wichtiger ist, der junge oder deine beste freundin. ich weiß du liebst ihn, aber ich denke du willst deiner besten Freundin nicht weh tun & wenn sich zwei lieben dann sollte man sie in ruhe lassen :(

1. Felix Cubin - I Hate Art Galleries 2. Roberto Auser - Queen of the Night 3. Aphex Twin - D-Scape 4. Omar S - This Muthafu’ka 5. Transllusion - War of the Clones 6. Dollkraut - Fire 7. KMFH -

s Anybody Out There ?
live mix by the 030303 crew including our LP05 Anopolis 2 track

1. Felix Cubin - I Hate Art Galleries
2. Roberto Auser - Queen of the Night
3. Aphex Twin - D-Scape
4. Omar S - This Muthafu’ka
5. Transllusion - War of the Clones
6. Dollkraut - Fire
7. KMFH - Spoof
8. MMM - Donna
8. TNT - New Love
9. Neil Landstrumm - Safari
10. Matrixxxman - Escort Service
11. Neil Landstrumm - Snowdawn
12. Aphex Twin - 180db
13. Marco Shuttle - Fanfara
14. Laurie Anderson - samples
15. I-F - Spiegelbeeld
16. Global Goon - Pause
16. Bochem Welt - Home
17. Dirtbox Jams - Science Fiction
18. Delta Funktionen - Reality is Here
19. D’Marc Cantu - Svetlana
20. Stasis - Space 1993
21. Anopolis - Anopolis 2 (lower parts)
22. Rolando Simmons - Montignac
23. Aphex Twin - Wax the Nip
24. Cylob - Skylight
25. KLF - Chill Out
26. Fleetwood Mac - Albatross

Schuuuule :D

Hi Leute,
Heute war der erste Schultag und mein daddy hat in der Assembly (oda wie auch immer man das schreibt) ne rede gehalten und er hat mich erwähnt und (ich bin rot geworden,ihr kennt mich ja) des war NICHT COOL!!! Zu den Schülern: obwohl die schule dafür bekannt ist,neue Schüler schnell aufzunehmen,musste ich leider das Gegenteil erfahren: auser ‘Hallo wie geht’s dir’ und ungefähr 2min Smalltalk,von dem jeder anscheinend extrem gelangweilt war,hab ich nich viel von den Leuten kennengelernt (bis auf eine,die war irwie ganz cool…) jap,also insgesamt war mein erster Schultag ziemlich abgefuckt…miss u all

anonymous said:

Kann man dir noch irgendwo schreiben ? Auser tumblr ?

Naja also
Snapchat :mellascha
Kleiderkreisel : graceprilepina
Oder mein 2. blog
Sonst habe ich nix

anonymous said:

ich will dich aber haben und zu meinem machen.du bist einfach zu schön dafür das ein anderer dich haben darf auser mir. -.-

💁

anonymous said:

Hey ich bin nicht so lange auf tumblr, ich wollte fragen wo man sehen kann wer dir folgt. Übrigens dein blog ist toll❤

wer mir folgt kann auser mir keiner sehen, das hängt mit den nutzungs und Privatsphäre bedinhungen von tumblr zusammen🙈

Skypen
  • Hi leute :D ich hab endlich INTERNET!! Wenn ihr bock habt zu skypen,schreibt einfach,ich hab nix besseres zu tun ;D (auser morgen früh...und Abend....D:)
  • bis dann,Sarah
  • P.S:miss u ALL!! <3

1. Felix Cubin - I Hate Art Galleries
2. Roberto Auser - Queen of the Night
3. Aphex Twin - D-Scape
4. Omar S - This Muthafu’ka
5. Transllusion - War of the Clones
6. Dollkraut - Fire
7. KMFH - Spoof
8. MMM - Donna
8. TNT - New Love
9. Neil Landstrumm - Safari
10. Matrixxxman - Escort Service
11. Neil Landstrumm - Snowdawn
12. Aphex Twin - 180db
13. Marco Shuttle - Fanfara
14. Laurie Anderson - samples
15. I-F - Spiegelbeeld
16. Global Goon - Pause
16. Bochem Welt - Home
17. Dirtbox Jams - Science Fiction
18. Delta Funktionen - Reality is Here
19. D’Marc Cantu - Svetlana
20. Stasis - Space 1993
21. Anopolis - Anopolis 2
22. Rolando Simmons - Montignac
23. Aphex Twin - Wax the Nip
24. Cylob - Skylight
25. KLF - Chill Out
26. Fleetwood Mac - Albatross

Visite e percorsi guidati a Firenze e dintorni a cura dell’ AUSER

Visite e percorsi guidati a Firenze e dintorni a cura dell’ AUSER

La piazza della SS. Annunziata.

Come abbiamo scritto nell’ultima recensione sull’attività dell’ Auser, ecco ancora alcune significative iniziative nei mesi di ottobre, novembre 2015 e gennaio 2015, pregando gli interessati di prenderne buona nota. Tutti gli interessati sono pregati poi di mettersi in contatto con l’ Auser e con le Biblioteche comunali del territorio. (more…)

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anonymous said:

Heute ist mein Geburtstag und niemand auser meiner mutter und meinen 2 besten freunden hat mir gratuliert nicht ein mal mein bruder ist das normal ...

Da merkt man welche Leute wirklich an einen denken
Alles gute

Serravalle, lunedì 3 novembre 2014 ricomincia il corso di lingua inglese per adulti.

L’Amministrazione Comunale di Serravalle Scrivia, in collaborazione con l’associazione di volontariato “Auser insieme per Serravalle”, intende anche quest’anno organizzare un corso di lingua inglese per adulti che si svolgerà da novembre ad aprile ad un costo complessivo di 50 euro a persona.
Il corso si articolerà in un ciclo base, che verrà inaugurato il lunedì 3 novembre 2014 e si terrà ogni lunedì sera dalle 20.30 alle 22.00, e un ciclo avanzato, che avrà inizio il 5 novembre e si terrà ogni mercoledì dalle 20.30 alle 22.00.
Le iscrizioni vanno effettuate dal 6 al 25 ottobre rivolgendosi alla Biblioteca Comunale. I corsi saranno attivati con un minimo di 10 iscritti ed un massimo di 25 per ogni corso. Solo per il corso base verrà data la precedenza ai residenti.
Per informazioni e iscrizioni occorre rivolgersi al servizio Accoglienza della Biblioteca Comunale “Roberto Allegri” , Piazza Carducci 4, a Serravalle Scrivia, durante gli orari di apertura al pubblico: Tel. 0143/634166–633627; Fax 0143/686472; Storie900@comune.serravalle-scrivia.al.it http://dlvr.it/7FHT8S

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