- Dan de „1% rijksten”. Wie zijn dat eigenlijk? Volgens Wereldbank-econoom Branko Milanovic de bruto jaarinkomens boven 27.000 euro. (Als je de 10% rijkste Grieken eenmalig 10% extra belasting laat betalen, heeft Griekenland geen schulden. Dit gaat voor vrijwel elk land ter wereld op.)
Ok… WIE verdient er MEER dan € 27.000 bruto per jaar? Jij bent de schuldige aan de crisis!
(we vergeten af en toe hoe rijk we zijn in Nederland)
Really interesting data analysis: the 1318 corporations that basically form the core of “the” economy. Of those, a set of 147 companies form the “core”
(in an attempt to science-off all those conspiracy theories)
The top 50 of the 147 superconnected companies
1. Barclays plc
2. Capital Group Companies Inc
3. FMR Corporation
5. State Street Corporation
6. JP Morgan Chase & Co
7. Legal & General Group plc
8. Vanguard Group Inc
9. UBS AG
10. Merrill Lynch & Co Inc
11. Wellington Management Co LLP
12. Deutsche Bank AG
13. Franklin Resources Inc
14. Credit Suisse Group
15. Walton Enterprises LLC
16. Bank of New York Mellon Corp
18. Goldman Sachs Group Inc
19. T Rowe Price Group Inc
20. Legg Mason Inc
21. Morgan Stanley
22. Mitsubishi UFJ Financial Group Inc
23. Northern Trust Corporation
24. Société Générale
25. Bank of America Corporation
26. Lloyds TSB Group plc
27. Invesco plc
28. Allianz SE 29. TIAA
30. Old Mutual Public Limited Company
31. Aviva plc
32. Schroders plc
33. Dodge & Cox
34. Lehman Brothers Holdings Inc*
35. Sun Life Financial Inc
36. Standard Life plc
38. Nomura Holdings Inc
39. The Depository Trust Company
40. Massachusetts Mutual Life Insurance
41. ING Groep NV
42. Brandes Investment Partners LP
43. Unicredito Italiano SPA
44. Deposit Insurance Corporation of Japan
45. Vereniging Aegon
46. BNP Paribas
47. Affiliated Managers Group Inc
48. Resona Holdings Inc
49. Capital Group International Inc
50. China Petrochemical Group Company
Handig, op https://www.mijnpensioenoverzicht.nl/ kun je je pensioen previewen. Nog 27 jaartjes…
Wilt u uw nota’s ook snel, veilig en gemakkelijk ontvangen en betalen? Kies dan voor ViaMijnBank. U ontvangt hiermee voortaan uw nota’s digitaal. Betalen gaat eenvoudig met een paar muisklikken binnen de beveiligde internetbankieren omgeving van uw bank. Via het linkermenu vindt u meer informatie.
Some parts in the overall high level architecture of the next set of web applications (web3.0) fall in to place. I will describe them very shortly since I am pretty sure that noone actually reads my ideas, so in this case, I write this to use this blog in the way it will be used in the future.
If we take a weblog as a starting point (since this is the easiest starting point), many users have “tagged” the content. E.g. I can “tag” all posting I write about stuff I find interesting in magazines I have (or newspapers). Which means that if you go to the tagging page “magazines” you will find everything I write about magazines.
If I write a lot about magazines I will further divide it e.g. tag postings with “national geographic”, “pc active”, “intermediair” etc…
These will become tag pages of their own, they will include postings on things I find interesting in the issue of National Geographic I read.
This is logical right? In fact many of use have been doing this. Now.. when the amount of postings grow you will find a structure of tags which actually define the things you write about. This is a datastructure AND an ontology, but your personal ontology on a decentralized platform.
The interesting thing is that this same datastructure and ontology is used by you on several other places.
So the next step is logical and unevitable to happen.
The first place where you use the same structure is on social networks. You define yourself by your hobbies, your favorite topics, the things you read. On business networks you define the companies you worked for, the skills you have and the groups to which you belong. These “words” are in line with the structure and tags within your blog. They will merge.
The second place where you use the same structure is in your household. When you write often about a magazine you are probably buying it or have a subscription to it. Which means it has a part in your household budget. In fact all the elements of your household budget are integrated in the same structure as your weblog. The reason for this is that there are reasons why you spend money on something. These are the same reasons as why you blog on the same thing. The goals are the same in the traceability matrix.
The third place where you use the same structure is in your job. The skills you have are a tag based hierarchy. They are in your cv. These things are in your head. Some bloggers might want to make some publications or just collect some handy link in their skill area. The thing which keep you occupied 8 hours a day has the same structure behind it. Your work generates revenue. This revenue enters your budget. This budget is used to spend money on things you relate to your goals (e.g. have fun reading comics). About this comics you write and about this comic you keep your bookmarks. Furthermore on this topic you want to socialize potentially on social network or find other people writing about it.
These four areas, I expect, will merge in the future into 1 application or a set of highly connected applications having a high impact on your household. It will in fact totally change your household in all aspects:
- internal household portal (probably microsoft based or LAN Server Linux based)
- external household portal (several blogsoftware e.g. WordPress and SAAS providers)
- company resource portal (maybe a first sign is on your companys intranet)
- distributed social network (which actively connects with other uris)
It will improve so many things in our lives that just thinking of it is dazzling, yet it is so near.
Every thing which you can tag in your life will connect with experts, tips, services, documentation, community, business, personal, budget, todolist, addressbook and any other thing you can think of. If I write about a share I bought in company X, I will instantly connect with the news feeds of the company with other shareholders,can join community feeds, get an overview of recent blogpostings, all in my personal portal having direct influence on my behaviour.
The skills I need in my job will be directly linked in a world wide network. When I want to learn a new skill, I write about it and instantly connect to the community, to expert companies, other bloggers on the topic, wikipedia page, linkdirectories, etc…
It will enable us to skip the part of having to actively go to Google and search for information we need. The push part will become much bigger. It will also automatically launch you in communities based on the things you actually do. This will improve the quality overall of that topic since progress in the field surrounding that tag gets faster because people will join projects to improve parts, discuss and have the ability to start much faster since everything to be known is there.
The next step to take is if these four areas are the only ones which will merge and the answer is no.
The reason these areas could merge is because they are coupled on a tag basis. Which means that any application or website which runs on this tag hierarchy will merge and integrate. Now the ideas area endless.
Your wiki, your mindmap, your weblog, your budget, your job areas, your personal areas, your photo album, basically everything that contains “content” about your life will be coupled with millions of new possibilities because of this integration.
This is web3.0: tag based integration of software services, software applications, software websites.
I can even predict web4.0: the integration with non software based process areas and products. Meaning: you will walk through a supermarkt and your favorite piece of food (since it is in your budget, you write about it and you have an entry in your wiki) will announce itself to you with some news about the product. That will be web4.0.
If we now make a timeline with some concepts we posted about in the past years and even we take a look at new things: decentralized social networks, rfid, home servers, personal wikis, weblog tag portals and niche portals, ontologies, web2.0 services for anything you can think of, lifehacking, it all falls in place in the overall new integrated concept.
If you keep on asking why on everything in your household you will get to the point that you will touch the goals of your household and the drivers for it e.g.
We have the requirement for a tv. In a household this is attached to a part of your budget: the percentage of your budget that you pay on your conscription to your cable or digital tv provider. E.g. you pay 180 euro a year for TV.
Suppose that 180 euro is 0.1% of your yearly budget, then somehow 0.1% of the needs that can be translated to a financial post is what you are spending on “tv”.
So… what is the reason that you want to spent 0.1% of your income on “tv”? Without a valid reason you could just as well throw it away and save yourself that 0.1% (excluding the costs of the original purchase).
The reason could be “fun” or “we want to have fun in our household”. It would be interesting to ask then why you want to have fun in your household although the reason seems to be logical, putting it on paper is a lot more difficult.
Let’s suppose you say “because we are human and humans need to have fun”.
The next step is to find what other things in your household are tied to “fun”. E.g. the amount of money you spend on trips, vacation, magazines, books, movies, concerts, music, gadgets, games or even your pet animal.
That total amount of “things” are apparently the requirements tied to your households goals of having “fun”, or … in a diagram:
Which you then make more complete with more steps. You can calculate the costs of each requirement. You can also calculate the amount of time you spend on each. Once you have done that you have insights in your spendings.
But discussing the individual “watches TV” is not possible without knowing the original goal. You need to prioritize the things which give you fun so you make decision on them in a later stage. Maybe some of the food you buy gives you fun but is it not really necessary to buy it for the reason of “staying healthy”. Which makes it necessary to make that actual split.
These goals you have then collected are not tied to finance alone. It is tied to other decision you make. You can also use it to make decisions on how you want to spend the time in your week.
You will see the amount of time you spend on “gain income”, and the amount of time you spend on “fun”. This will lead to insight on the next steps to take: how to improve your household on finance, time and other aspects, since you can ask “why” on any aspect of your household and then integrate it in your overall requirements diagram.
This is only a very little aspect of the household framework. There are hundreds other “building blocks”.
The fun thing is that the overall hierarchy and building blocks are the same for every household. So the next steps is to put all standard building blocks together in a household framework, which will, in time, appear on http://householdframework.org.
I’m still thinking of how to setup http://householdframework.org : the website that will teach you how to mature your household. It will definitely consist of multiple languages. It will probably be in wiki format.
It will reason that there are about 1500 specific elements in your household that you need to control. Apart from these specific elements there are 1500 generic practices. Each of these 3000 elements will have a maturity level assigned from very immature to very mature. For each of these 3000 elements you will find supporting tools (websites, consultancy, shops and so on) and best practices and templates “a stain fix sheet”.
One of the many questions is how to organize the structure of the finance part.
The New York times has published this overview, where you can mouse-over and which is one of the many different structured ways for a household finance. It’s best not to invent this ourselves but to align with common best practices so you can integrate better with external services.
Hundreds of questions and ideas spring to mind: would it be handy if you could integrate with the supermarket to see which groceries you did and their costs instead of the paper rollout you get, etc..
Other ontologies can be found on http://statline.cbs.nl/StatWeb/dome/default.aspx or http://www.consumentenbond.nl/ and ofcourse the financial index is embeded in a much larger structure since it is only part of the 1500 elements of a household.
One of the ideas is that integration should be strong with all external parties. For instance: if you buy a new plant for in your garden it should automatically be inserted in the garden index for your personal garden in your home wiki including costs, maintenance, some pictures etc… As a reward the third parties can offer new third party services to customers because of the tight integration.
This project “http://householdframework.org” can only succeed if it is independent of specific suppliers and is completely open. Some day it will open and then I will ask you all to participate in it.
Since I do not have the time to spend lots of energy in it: if you have the time and are interested mail me.
Bereken wat je huishouden achter de hand moet hebben
Zoeken op Woningwaarde, Brixter.nl
Bepaal de waarde van je woning, leuke grafiekjes, eenvoudige interface