Windows 10 high CPU usage Windows Explorer - explorer.exe - noisy computer fan windows 10 - quick fix

After a recent automatic update to windows 10. the CPU on my computer went crazy. Explorer.exe or Windows Explorer in the Task Manager showed 35%+ CPU usage whilst doing nothing. 

To fix this:

1. Look on your desktop for any icons that are not displaying (they might be blank or just displaying a strange icon)

2. Delete these icons or move them to a different directory

3. Restart your machine

Hope this works for you - it did for me. More information can be found at this Microsoft Answers link

How to make record profits as a bank - the 5 step plan

1. Grow like crazy by making loans

2. Progressively increase interest rates on loans whilst selling them to people with little education or money at knock down initial rates. Example 2 years at 3% next 28 years at 5.5%

3.  Use extreme leverage - i.e borrow as much as you can

4. Keep minimal loan loss reserves

5. Sell your loans to government agencies and/or third parties with minimal recourse

Do these 5 things as a banking executive and you will be paid 100s of times the average salary.

After 4 years leave your bank and do this at another bank. After 12-15 years retire or move into government as the losses from the banks mount you can now have total control again as people look to you to solve the problems created by this plan.

If a regulator ever reads this maybe they could stop it? But then they wouldn't get a job with a bank and earn more money.....

The modern day robber barons of our hard work

All,

When the sovereign debt crisis arrives in a few years ( I can't predict when, but its a mathematical certainty) remember these names:

The Primary Dealers of Government Debt are:

1. Bank of America
2. Barclays Capital Inc.
3. BNP Paribas Securities Corp.
4. Cantor Fitzgerald & Co.
5. Citigroup Global Markets Inc.
6. Credit Suisse Securities (USA) LLC
7. Daiwa Securities America Inc.
8. Deutsche Bank Securities Inc.
9. Goldman, Sachs & Co.
10. HSBC Securities (USA) Inc.
11. J. P. Morgan Securities Inc.
12. Jefferies & Company Inc.
13. Mizuho Securities USA Inc.
14. Morgan Stanley & Co. Incorporated
15. Nomura Securities International Inc.
16. RBC Capital Markets
17. RBS Securities Inc.
18. UBS Securities LLC.

These are the banks that control the world. 

They lend us our own money back with interest and they buy politicians election campaigns to enable their own regulatory agenda to expand and grow taking a piece of all productive entrepreneurial parts of society. Banks are the number one donors to most political parties in western democracies.

They control government through the bond market and they control YOU through your mortgage interest, food, heating and oil prices (which they manipulate to profit). Think about what your biggest expenditures are on....

Taxes: 60-75%% of your income if you include VAT, income tax and stamp duty  - go to pay our debts, are largest welfare expenditure is pensions where they earn their hidden commissions, purchase of infrastructure is via debt

Shop prices are a function of rents and bank charges - most property is owned by banks through debt. The prices they charge increase as rents increase. Rents and employees will be their largest costs.

They are bailed out whenever they get anything wrong so the incentives are always to never get caught and take the largest risks possible.

These are the controllers of your fortunes forget about fate, government and God. Your day to day life is governed by the group of people who control these banks. 80% of everything you are able to do, what you can buy, what you can afford to buy your kids, where you live, and what you eat. 

The people who understand this early on are the people who want to live life "off the grid", they realise what is happening but society treats them like they are crazy. If you point out that you live in the "matrix" everyone would think you are crazy too.

The matrix like existence we all live in is a kleptocracy for the few with owners of capital giving people the illusion of freedom. Freedom comes when decisions are out in the open, when the people in power care about the majority rather than minority; when we can all name and shame individuals who try and game the system and they suffer real costs for doing so.

This debt cycle has happened time and time again since earlier than 500AD...Bankers were hanged and cities were burned when people found out the truth (feel free to look it up). Each time the bankers move and setup in new Cities, Greece--> Rome --> Venice --> Netherlands --> Britain --> USA --> China next? The cities they leave behind become a relic to the more hedonistic days when bankers used other people's money to create and build infrastructure for themselves. Its so obvious we need unilateral controls on banking that its almost hilarious but as long as the small minority control the system and the silent majority buy into it there is nothing we can do. 

Xbox One vs PS4 specifications - simple table chart comparison

	Xbox One	PlayStation 4
CPU (Computer)	AMD SOC 8 Core Jaguar  x86 processor custom built	AMD SOC 8 Core Jaguar SOC x86-64 processor
GPU (Graphical Processor)	AMD Radeon 768 Shaders (peak output 1.23 TerraFlops) 853Mhz	AMD Radeon 1152 Shaders (peak output 1.84 TerraFlops) 800Mhz
Memory	8GB of  GDDR3 RAM (plus 32Mb of eSRAM as cache)	8Gb of GDDR5 RAM
Hard Disk Space	500Gb (some space used for Operating System)	500Gb (some space used for Operating System)
Connectivity	Wi-FI, Wi-Fi Direct, Ethernet,3 x  USB 3, Optical Out, HDMI input, HDMI 4K output	Wi-FI, Ethernet, 3 x USB 3, Optical Out, Bluetooth 2.1, HDMI 4K output, Mystery AUX port
Disk Type	Blu-Ray	Blu-Ray 6x CAV /DVD 8x CAV
Controller	1 Controller – redesigned but similar to Xbox 360 in look with “Impuse Triggers” for better feedback Batteries	1 DualShock Controller – similar to PS3 in size and look but with trackpad instead of Start and Menu buttons Integrated motion control Light bar on top edge Charged via Micro USB on console
Spec sheet		PS4 Spec Sheet: Link
Fan mounting	Single Fan on Top of the device (TBC)	Dual Fans at the rear (TBC)
Included Game	FIFA 14	The Playroom AR game (uses light bar on controller but needs PS4 Eye camera (sold separately))
Other Features	·         Kinetic - allows voice control and games based on user movement ·         HDMI Pass Through – allows TV watching and voice control through the Xbox ·         Use any phone or tablet to control Xbox or TV using Xbox SmartGlass app	·      Can charge phone or tablet through Micro-USB ports ·      Suspend Game mode – resume where you left off – no loading time ·      Play demos before fully downloaded – PS4 downloads first level and core code first and the rest in the background ·      No power brick as PSU is internal ·      Share button on controller allows instant sharing and live streaming of current gameplay online Facebook/PSN ·      Allow others to take over your character (if you need help on a level) ·      Stream gameplay to Sony Vita if television is in use for other purposes
Price	£429 (includes Kinetic sensor/camera) $499 USD	£349 (not including PlayStation Camera) EUR 399 $399 USD
Size	343x80x263mm	305x53x275mm 2.8kg
Release Date	USA - 8th Nov 2013 UK – 22nd Nov 2013 (TBC)	USA – 15th Nov 2013 UK & Europe - 29th Nov 2013
Trade in Game capability	Able to sell game discs and play your downloaded games at a friend’s house when logged in to Xbox Live	Able to sell game discs and play your downloaded games when logged into the PSN Network
Games at launch only available on one platform	Halo Minecraft: Xbox One Edition Below Crimson Dragon D4 Dead Rising 3 Forza Motorsport 5 Killer Instinct Kinect Sports Rivals LocoCycle Quantum Break Project Spark Rabbids Invasion Ryse: Son of Rome Sunset Overdrive Titanfall Zumba Party Fitness Zoo Tycoon Untitled Black Tusk game Plants Vs. Zombies: Garden Warfare Fantasia: Music Evolved	Final Fantasy XIV: A Realm Reborn Gran Turismo Blacklight: Retribution Daylight Deep Down Don't Starve DC Universe Online #DriveClub Infamous: Second Son Killzone: Shadow Fall Knack Mercenary Kings Oddworld: New n' Tasty The Order: 1866 Outlast PlanetSide 2 Primal Carnage: Genesis Ray's The Dead Transistor War Thunder Warframe

Measures for reducing youth unemployment in UK and the West

High youth unemployment has been exacerbated by three key trends, changing population dynamics, unsustainable fiscal policy and higher education misalignment.

From the graph below we see those in the previous generation have lived in a generational pyramid passing debt to the age group below to enable above average growth expectations for the last 40 years.

This system has now broken for those aged below 30. Growth through debt is not a solution for long term sustainable value.

Increasingly older members of society live longer and realise they have not saved enough for prolonged retirement they are in competition for jobs with the younger generation by not retiring. We can see this trend in US statistics where unemployment is falling much faster for those aged 50 and above.

These demographic factors combined with unsustainable fiscal and monetary policy have meant that capital is not passing through to a new generation of economic activity as fast as it once did. Contributing to this is an unsustainable company tax regime that benefits companies with debt by enabling loans to offset tax and transfer pricing (the practice of moving corporate profits to lower tax regimes) to lower government tax receipts forcing reductions in spending on education amongst other public services.

Lastly, the educational system has been accepted as a means to an ends not providing students with the risk taking mentality required to innovate, test and market new ideas in any industry. Learning through failure, indeed failure itself, was seemingly watered down to enable large numbers to “pass through” the system. The profound mismatch between the educational model and the more entrepreneurial job market of the 21^st century is resulting in a slow down in innovation and therefore a reduction in jobs at all levels of education.

In order to reverse these trends we need to “productionise” the “value of striving” and build the case for innovation. Every business needs innovation and this needs energy, new ideas and direction. Continuous failure leads to innovation and I propose we build innovation spaces though out towns and cities in this country. These  large scale warehouses will provide workshop machinery and donated software and hardware from large scale companies to enable anyone in the population to validate their ideas and take them from concept to design and prototype construction. Building and assisting development will give young men and women confidence to develop new skills not only science and engineering but also marketing, intellectual property and branding. Life skills like mental arithmetic, prioritising, and delivering task orientated results can be learned through these schemes. Lectures from serial entrepreneurs like James Dyson have long talked about the need to generate interest in learning to succeed by prototyping. Google and Apple will welcome the adoption of their collaborative design culture and want to look for students in these centres for the next generation of talent. With NEETs costing the UK economy £56,000 each we can afford to invest government and private funds in this endeavour. Any inventions brought to market in these innovation spaces will have a portion owned by the businesses that donate as well as the government. Like all private equity funding there will be many failures but there will also some truly spectacular successes.  Take the simple example of the digital camera. The core component of cameras today, the CCD, was created by a young student given a menial side project at Kodak. Although it was not capitalised upon by the company it spawned an entire industry. We need to give people access to the tools required to turn ideas into reality. This can truly generate sustainable innovation as word spreads of success and previous inventors used their success to feed investment back into the scheme. Youtube have recently created a similar concept for movie creation. By building state of the art studios and enabling anyone to use them they are looking for the next Spielberg to capture the imagination of the world. They cannot do better than provide the canvas and the paintbrush and wait for the Picasso. It has become an all too common sight for young graduates to undertake service industry degrees, which generate little economic value. This is doing a disservice to our young men and women who should be taught that ideas executed well can give them a real sense of purpose as well as helping their country back to growth.

Although it can be argued that government has little role in shaping innovation we can see that the private sector is hoarding capital as it has been driven to reduce risk at all cost by developing an outsourcing model which only seeks to generate greater return through reduced employee costs and regulation arbitrage rather than fostering true innovation.  Very few R&D tax credits are actually used to facilitate true research and development, the HMRC definition is so broad that tax accountants have been using these tax breaks to grow profits rather than let companies invest in the future. It is only government that can endure to see the profit in long term skills growth. It can use fiscal policy to enable companies to pool their resources into innovation spaces, into real projects, that have a high chance of return with pooled risk. At the moment the retrenchment in the economy means that this money is simply going to share buy backs as companies cannot find a place to generate high returns for shareholders.

In summary a three pronged approach. Create innovation centres through government and private sector investment that can bring a sense of design and creation to the youth of today.  Use fiscal policy to force private capital to invest in ideas of the future with government taking on some of the risk and reward. Lastly, develop higher education policy that is linked to the economic needs of the country. These elements will increase the velocity of money from one generation to the next.

We are going to have to make money the old fashioned way – creating what people want.

Getting to Worthy View campsite for Glastonbury festival - sat nav / Tomtom/ Garmin instructions

For some reason the instructions for Worthy view in the Glastonbury guide are hopeless. Here are some Sat Nav friendly instructions:

You can type in Middleway Road (post code BA4)  into your Sat Nav - this is the closest road.

Here are the GPS coordinates of the Worth View car park -  N 51.13880, W 2.59190 9 (you can type these directly into your Sat Nav / Tomtom/ Garmin if needed)

When you arrive near Glastonbury you will be directed past many car parks (in 2013 they used different colours to highlight each one).. Depending on the direction you arrive from, drive past all of these on your way to Middleway road. None of the people in high visibility jackets seemed to know where it was so you can try and ask but we didn't have much luck.


Link to google maps click on this and then hit directions and select  "current location" on your smart phone to find your way: Worthy View Campsite


MAP OF LOCATION IF NEEDED:

View Larger Map

The consequences of short term profit goals

I’ve been thinking that business is fundamentally a zero sum game. People create ideas to be more economically efficient but rarely care about the long term consequences of their entrepreneurship. Ideas which have generated “value”or increases in GDP  have often preyed upon the immediate wants and desires of people decimating the collective good that we believe exists when human beings come together in a society.  

Perhaps there are now two different classes of people, those that are hunters and those that are preyed upon.  As a society we hire the Government, who are meant to give hunters balance and perspective but they have long since been bought off by the hunters to do their bidding. If not bought off then the election cycle forces then to cater to the immediate wants of society rather than long term benefits.

As a society we work on a system of incentives and we can see that the political centre right believe this whole heartedly. They have an ideology that suggests the private sector drives innovation – which is correct.. But that only works in the short term and any long term issues caused by profit maximisation are ignored or left for the next government to deal with.

Below I list some examples of observations where short term profit is made boosting the country’s GDP but longer term they are simply storing up problems for the future that are always resolved by the collective taxpayer making our society weaker. The perennial back stop is the taxpayer created Government- the one that everyone wants to make smaller and less inefficient. Ironically, the taxpayer is often the only organisation big enough to contain the fallout from the short-term “get rich quick” schemes. I am not advocating big government, far from it. We need efficient government who put in place frameworks which look at long term consequences not short term election requirements They have to play the elder statesman role while the private sector only looks to fulfil the short term urges of the people. 

Short Term Profit	Who benefits	Long Term Problem for the general population	Result	Who has to clean up the mess that “no one saw coming”
Cheap Buy to Let Mortgages & making loan interest tax deductible for buy-to-let landlords	Those few top earners with large deposits “Old Money” families	No long term housing plan Not enough cheap housing for the majority	Higher house prices and more homeless More government subsidy for the working poor to live in cities where jobs exist	Government (the general tax payer borrows more and becomes poorer)
Cheap Alcohol	Alcohol company shareholders & employees	Diabetes,heart disease and  general health issues Increase in violence and policing costs	Higher healthcare costs Broken Families in a social cycle of decline	Government (the general tax payer borrows more and becomes poorer)
Cigarettes	Cigarette companies’ employees and shareholders	Lung Cancer and related diseases	Higher cost of healthcare for all	Government (the general tax payer borrows more and becomes poorer)
Cheap fast food	Lots of small business owners Mass market food producers Retail company employees and shareholders	Increased litter collection Diabetes, general health issues	More expensive healthcare and local taxes for litter collection	Government (the general tax payer borrows more and becomes poorer)
Sugary Drinks / Cheap Fructose syrup added to all processed food	Food company shareholders and advertising companies	Obesity Higher cost of healthcare	Higher healthcare costs	Government (the general tax payer borrows more and becomes poorer)
Cheap Loans to enable more transaction fees and larger loan sizes	Banks employees and shareholders	Massive mis allocation of capital to non productive resources	Extended periods of decline in the business cycle which lead to depression and suicide rates rising in the general population	Government (the general tax payer borrows more and becomes poorer)
NHS staffed with short term agency staff	Agency owners	No skilled carers with long term experience	Poor customer service and more healthcare mistakes	Government (the general tax payer borrows more and becomes poorer)
High charges for fund managers to allocate your pension	Fund management firms, employees and shareholders	Not enough money to live in retirement	General population in poverty	Government (the general tax payer borrows more and becomes poorer)
Short term entertainment over long term development and skills	Advertisers, television and game companies and shareholders	Children who grow up to have a constant need for short term entertainment with no useful skills to add to their society	Fewer ideas and a a weaker society as we create less products to sell to the world	Government (the general tax payer borrows more and becomes poorer)
Prison containment based on short term goals - "quick sentences" or no rehabilitation	Outsourcing companies and share holders	Parts of society that can never be reformed Constant cycle of crimes against society	Re-offending Higher policing costs Destroying the lives of offenders	Government (the general tax payer borrows more and becomes poorer)