I announced recently on the pages of this
blog that I would shortly be leaving Denmark with my family and moving back to
the UK, where I am from. This decision was a long time in the making and the
past couple of years of agonizing could be neatly summarized by The Clash song
‘Should I stay or should I go?’
In the end, of course, we chose to go back
to England, where at least one of us is from (my wife is from Denmark and our
two young daughters were born here). Without wishing to be too reductionist
about this decision, I took into consideration all the factors that I think
will be defining in an era of depleting net energy and social unrest that I think
we are now entering into. When all was said and done, however, I had to go with
my heart and what common sense told me. It’s long been a hunch of mine that one
of the most important things about positioning yourself in preparation for the great
Stopping of the Music is to make sure you will be somewhere where your face
fits in and the people who surround you share the same cultural values. So, no
moving to Outer Mongolia or darkest Peru for this WASP.
Perhaps the most agonizing aspect of this
decision was the fact that land and farmhouses in Denmark are dirt cheap compared
with Britain. I had fallen in love with the island of Møn, an idyllic island in
the south of Denmark, covered in ancient Neolithic tombs, and populated by
small villages filled with the kind of chocolate box thatched cottages you see
on postcards. Here one could buy a 200 year old farmhouse in excellent
condition with six or seven bedrooms plus outhouses, a couple of acres of land
and probably an orchard or two along with some woodland and still have change
from £150,000 (or $235,000). The same property in the UK, where the bubble is
still rampant, would set you back up to a million pounds – around six or seven
times the price in Denmark.
But, tempting as this was, when we really
considered all the factors, the UK seemed like the better option FOR US.
So, without further ado, these were the
factors that were taken into consideration in deciding which side of the North
Sea to live on. It goes without saying that these are not the ONLY factors –
but these were the ones that stuck out in my mind the most.
1 – Energy. When it comes to comparing the UK and Denmark, neither comes out
very well in terms of future energy supplies. Both largely rely on oil and gas
from fields in the North Sea which have double digit annual depletion rates.
Neither country has much of a manufacturing sector (and what remains of
Denmark’s is becoming increasingly uncompetitive due to high labour and energy
costs) with high energy requirements, so most energy is used for
transportation, heating, agriculture and leisure.
Denmark’s energy policy, at least officially, is geared towards a high-tech
‘green’ future of wind turbines (of which there are already many) and solar
panels to power a smart grid and a transportation system based on electrical
energy stored in batteries. The country at present meets most of its energy
requirements from burning coal, natural gas and post-consumer waste, with some
imported power from Sweden, which produces nuclear power. Denmark has no
nuclear power itself, although Sweden’s Barseback nuclear reactors are sited
just across the Øresund Strait, easily visible from where I live. [Both
reactors have now been decommissioned but still contain nuclear waste, and
plans are afoot to make the site a short term nuclear waste storage facility as
Sweden winds down its nuclear power programme.] Around a quarter of electricity
currently comes from wind power, and the plan is to increase this to 50% by
2020. Denmark may be able to achieve this by trading power with Norway, which
has the topography to allow for storage in the form of hydro power. Whether it
does or not is a different matter. The country is aiming for 100%
renewable power by 2050.
The
UK doesn’t really have a coherent energy policy. Sweeping
pronouncements are periodically made by ministers but these usually run into
problems before anything is implemented. With the windfall from oil and natural
gas now winding down serious problems are now on the horizon and rolling
blackouts are likely by 2015/16, according to no less an authority than the UK
energy regulator Ofgem. The country has several ageing nuclear reactors and
there is a strong nuclear lobby that favours building more, despite robust
public opposition.
Renewable energy, which is bountiful in the
form of wind and wave power, was growing well due to a favourable investment
climate and a generous FIT for home owners, but has stumbled of late due to
widespread ideological opposition by the right-wing press, and cuts due to the
implementation of austerity measures. Furthermore, politicians have jumped on
the hydro-fracturing bandwagon, with breathless announcements of trillions of
cubic feet of natural gas in the rock formations beneath Britain, which has
further pulled out the rug from beneath the feet of the renewable industry. The
fact that this fracked gas has a very low net energy level and lies beneath privately
owned and heavily populated land (unlike in the US, the UK government does not
have the right to extract minerals from beneath privately owned land) does not
seem to deter the enthusiasm of the fracking advocates.
Given that nuclear plants won’t be ready in
time and are probably unaffordable, oil and gas is running out, the renewable
energy industry is being strangled by ideologues and fracking is a mirage, it
does seem likely that the lights will indeed be going out in Britain sooner
rather than later. There is some coal left in the ground, although much of the
capital for its extraction was laid to waste during the Thatcher years, so the
best that Britain can hope for is favourable terms with Russia, as it imports
natural gas at the end of a very, very long pipeline.
2 – Transportation.
Neither the UK nor Denmark are particularly large countries (and the UK is set
to get a whole lot smaller if Scotland opts for independence, as seems likely),
with land masses of 94,060 and 16,562 square miles respectively. Both have
excellent transport links, with numerous roads, functioning rail lines and sea
ports. Denmark, famously, has an excellent infrastructure for cycling owing to
policy decisions made after the 1970s’ oil shocks, and its relatively flat topography.
At the city level around half of all trips are made on two wheels.
The UK is considerably less cycle friendly
as the powerful motoring lobby has very effectively made sure that money is
funnelled into road projects suited to cars rather than bicycles, and local
councils have haphazardly implemented cycling infrastructure that in most cases
doesn’t connect.
Nevertheless, Britain is criss-crossed with
canals from its manufacturing days, and there is no reason why these shouldn’t
go into full time use again. Furthermore the tow paths alongside these canals in
many cases already double as cycle lanes. There is a national bicycle network,
and things can only improve for low speed forms of transport as the number of
journeys made by car continues to diminish, as it has been doing for some time
now.
3 – Food security. Neither Denmark nor the UK has much in the way of food security. At
present both countries rely on very long supply chains and just-in-time
delivery systems to get food into shops. If both countries had to rely solely
on what was available to them from their own soils and seas then mass
starvation would quickly ensue. The last time Britain was tested in this
respect was during the Second World War, when a mass mobilisation of the
population to grow food just about managed to feed the nation (although many
were away fighting in other countries). Then, there were around 30 million
residents, whereas today there are over 63 million (Denmark has about a tenth of that number). Furthermore, it must be
assumed that 70 years of mechanised farming has considerably reduced the
capacity of the soils to grow food, and relentless overfishing has reduced fish
stocks drastically as well. In terms of wild game, there is not much that would
survive more than a few short years if the population was in a state of extreme
hunger and short term crisis management.
The one bright spot in this otherwise
dismal picture is the rise of organic farming and local food networks. These
have grown enormously in recent years as people put less trust in the
corporately-controlled food web and opt instead to eat more local and more
healthily.
Denmark, similarly, has a food problem.
Despite a much lower population, the relatively fertile soils cannot yield the
heavily meat-based diet to which Danes have become used to. Technically, we are
told, Denmark is a net food exporter, but in my local supermarket the only
things I can find that are grown here are potatoes and apples, so I’m guessing
that there is some statistical figure fiddling going on there.
Farming in Denmark is in something of a
crisis at present due to many farmers taking out large Swiss franc denominated
loans on government advice with which to buy new machinery and other capital.
Servicing these loans has now become unaffordable for many as the Swiss franc
has appreciated due to its supposed safe haven status. Furthermore, food
production is geared towards the production of 25 million intensively reared pigs
a year and cash crops, especially rape seed, although much is also given over
to wheat production. Local food coops do exist, but they are relatively few
compared with the UK. Nevertheless, consumers do tend to opt for organic food,
with even the cheap supermarkets stocking a good range of food grown without
chemicals (although often it is imported).
3 – Governance and society. There are clear differences between the UK and Denmark when it
comes to governance. For historical and cultural reasons Denmark is governed
well and the UK is governed not quite so well. Both are democratic societies
hung on the framework of a monarchy, with the royals enjoying almost universal
adoration in Denmark, as opposed to ‘only’ 82% in the UK. Both countries have
coalition governments, although only Denmark has radical factions representing
parties founded on both Marxism and ultra-nationalism enjoying any power.
Denmark is characterised by its homogenous
native population and has sometimes been described as ‘more of a
tribe than a nation’. There are few social strata within Denmark’s famously
classless society (although I would question this assumption) and politicians
must appease the entire nation, rather than one particular power group within
it, and are held accountable as such. The social contract in Denmark is very
strong and rigid and has been aptly described by the half-Norwegian novelist
Aksel Sandemose as the ‘Jantelov’ – a set of
unwritten codes of conservative behaviour by which Danish people unwittingly
live out their lives. The codas are effectively anti-individualistic in nature,
requiring that the common man or woman suppress their own personal desires and
ego for the common good of the state.
The other side of the bargain is that
rulers (political and monarchical) must be trusted to ensure the stability and
survival of the state. Any digression from this bond of trust is treated with
public opprobrium. As a result, Denmark has a very progressive tax system and
it is said that ‘nobody is poor and nobody is rich’. This might be a bit of an
exaggeration, but the fact remains that allowing everyone to enjoy a
comfortable middle class lifestyle, while enviable to liberals from less
progressive countries, nevertheless rests on the assumption that there will be
a continued abundance of cheap fossil fuels and favourable trade deals with
poorer nations. In other words, it can’t last.
The UK, by contrast, has something of a
class war going on. Although the old system of inherited caste privilege is
dying out, a new breed of ultra-wealthy people sit at the top of the ladder and
use the resources of the poor to further advance their wealth advantage, and in
doing so hollow out the core of society and make it more prone to social
upheavals. At the centre of this black hole is the hyper-power known as the City
of London (not to be confused with the actual physical city of London),
a vast Ponzi scheme that holds a large amount of power over the government. The
City, which enjoys very little regulation, is said to be ‘too big to fail’
although its activities have caused the UK economy to be hugely unbalanced in
favour of unproductive financial derivatives at the expense of the ‘real’
economy of goods and useful services. Unfortunately, when it does inevitably
fail, the likely results will be catastrophic, which brings me onto the subject
of …
4 – Finance and economics. Denmark and the UK are similar in that they both hold ‘world
records’ in the debt stakes. Denmark has the unenviable position as the country
with the highest household debt. At something like 400% of annual income – and
growing at an alarming rate – Denmark’s consumers have been spending money over
the past few years like drunken sailors who just washed up on the mythical
shores of Consumerlandia and found the
streets to be paved with gold VISA cards.
Maybe it is the widely-held belief that
nothing bad can happen to them and that the government will ride to rescue that
has caused all of this, but it is was certainly also the case that this cheap
credit was pushed onto those least able to afford to pay it back as well. As
ever, it takes two to tango. Cultural factors may also play a part. Danish
people like to think of themselves as ‘virtuous’ and ‘deserving’ and the
Lutheran religious values of purity which are buried like undead zombies under
the floorboards of the nation’s psyche, have crawled up to manifest themselves as
people who live in flats where everything is painted white and decked out with
expensive designer furniture. A weekend in New York to pretend to be one of the
characters from Sex and the City, or
a quick holiday to Thailand in the deep of winter to top up your tan is considered normal behaviour in this
virtuous zombie culture. Is it any wonder that Denmark is routinely quoted as ‘the
happiest country on Earth’?
Many people took out 100% mortgages in the
last decade, and opted to pay only the interest rather than any of the capital.
Now, with several small and medium sized banks having already crashed, lenders
are forcing borrowers to pay back some of the capital – and many of them are
suddenly finding they cannot afford it. A popular prime-time TV programme in Denmark
is Luksusfælden – or ‘fall from
luxury’ – in which insolvent families are visited by some hard-nosed financial
advisors and put on a tough economic diet, which sometimes they cannot
stomach. Notable episodes have included
a woman who thought that denying her children designer clothes was tantamount
to abuse and broke down in tears when confronted with some perfectly good
second hand clothes, which was all she could afford.
Denmark may well be a nation of
superlatives. Not only does it have the world’s highest household debt, but it
also has one of the world’s largest public sector (for a ‘free’ nation,
continually vying with Sweden for first place) and the world’s highest tax
rate. It is calculated that the marginal tax rate is as high as 70% - meaning
that by the time you have earned and spent your wages, some 70% of it has gone
back into the public coffers in the form of income tax, VAT and various other
taxes and charges. Not that Danes seem to mind – on the contrary, opinion polls
repeatedly show that given the choice between lower taxes with fewer public
services and higher taxes with a greater safety net, people will always opt for
the latter. It drives foreigners living here nuts, especially the Americans.
The UK, similarly, is a nation of debt junkies.
Although personal debt is nothing like as high as Denmark’s, the national debt
is stratospheric. The country as a whole owes about a trillion pounds, split
between government debt, financial debt, private debt and business debt. The
government debt is growing at a rate that makes it impossible to ever repay, no
matter how much ‘austerity’ the government imposes on the bankrupt populace.
This is, of course, the same situation that every European nation finds itself
in after three decades of monetary expansion based on cheap credit and fairy
money, but more so. With diminishing tax revenues from North Sea oil, a growing
budget deficit, an elderly and retiring work force and huge financial and
property bubbles there is simply no way that the UK can avoid going
spectacularly bust. When it happens it won’t be pleasant.
5 – Climate change. This is already having an impact on the UK, where it has been
raining heavily for half a decade now. Gone are the dreams of many who, some
years back, forecast that we would have a climate similar to the south of
France and that most of England would be good for growing grapes. Instead, we
have a cold wet slap in the face, persistent flooding, and wild swings in
temperature. Of course, this could change again as ocean currents shift, and
the country (and northern Europe as a whole) will rapidly turn into an ice
block if the Gulf Stream shifts to the south or peters out entirely. In this
respect Denmark and the UK are in the same boat.
In terms of rising sea levels, the UK has a
clear advantage over low-lying Denmark, whose highest point is Himmelbjerget
(‘Sky Mountain’) which rises to a majestic 147m (482 feet). Indeed, sea levels
will not need to rise by more than a few metres for much of Denmark to simply
disappear into a kind of Atlantis with stylish furniture. An added worry is
that as polar ice melts in the Arctic this could trigger tsunami-producing
earthquakes in a process known as isostatic rebound,
which would have the potential to sweep over Denmark with devastating
consequences. You think it couldn’t happen?
The UK at least has topography on its side,
although certain areas such as East Anglia and the Thames Valley (where London
is situated) will cease to be land. Having the resources and money to build huge
defensive walls against sea rise in the future seem about as unlikely as the
assumption we will be able to build floating cities or, indeed, live on the
bottom of the sea like crabs.
6 – Housing. It seems odd to mention housing as a key consideration in deciding
which country to live in, although in this case Denmark emerges as the clear
winner. Due to the aforementioned good governance, housing in Denmark is
generally of a high standard. Insulation is at standards that Britons can only
dream about, which is just as well as it gets mighty cold in Denmark (it is
minus 15 degrees centigrade outside right now as I type this in my
super-insulated flat).
Britain, by contrast, seemed to give up
building proper houses after the last war. Cheap and cheerful became the
driving ideology and ever since we have constructed millions of cheaply-built
identikit houses, created suburban sprawl and blighted the landscape. What’s
more, these cheaply constructed houses are almost unaffordable to the average
person who wants to avoid wage slavery. In fact, if one wants to buy a house in
the UK that will keep you warm, won’t break the bank and won’t have bits flying
off it in a gale you have to look at properties that were built over a hundred
years ago. Many of these, however, have preservation orders put on them,
meaning that owners are not permitted to make improvements on aesthetic
grounds.
7 – Trade Links. Internal trade links are likely to prove robust in both countries
due to the aforementioned good quality transportation networks. Trade with
other countries, when things settle down, is likely to be with regional
partners. I expect the UK (or whatever the country is called in the future) to
have good trade links with France and other places in Europe, as it had in the
past.
Denmark, as with many other factors, is
likely to look more and more to Norway and Sweden for trade and protection.
With their shared cultural and linguistic heritage, I envisage Scandinavia’s northern
countries being some of the ‘better’ places to live – at least if you are a
Scandinavian or can pretend to be one. I can imagine energy and fuel (in the
form of wood and hydro power) being exported to Denmark from Norway, which has
plenty of space and resources, perhaps in exchange for grain and other
agricultural products. Denmark itself has little in the way of exploitable
natural resources so it’ll be back to the land for the majority of the
populace.
8 – Geopolitics. If resource wars kick off in Europe, and we can’t rule this out,
then Denmark could well find itself in the firing line. This is not an enviable
position to be in but the fact remains that Denmark to some extent still ‘owns’
Greenland. With various world powers eyeing Arctic oil and minerals, and even
claiming ownership of the North Pole, it is unlikely that things will end up
being agreed amiably over sherry. Should Denmark lay claim to Greenlandic oil,
as it was suggested by Danish MPs on the morning news today, it would set itself
up for a fight with Russia and perhaps China too. Hell, even Britain might
claim a share. Yet it goes without saying that Russia could eat Denmark for
breakfast, so without backing from, say, the United States (of which Denmark,
like the UK, remains a client state) the country would have no chance of
holding onto its prized possession. It can hardly be a coincidence that the
ex-Danish prime minister, Anders Fogh Rasmussen, quit his role to take up the
top post at NATO.
Anders Fogh Rasmussen's self-commissioned portrait. What message is he trying to send out I wonder? |
China, it might be added, has been having
high level meetings with Denmark about Greenland and all the goodies that exist
there. It has offered Denmark some pretty choice morsels in terms of trade
pacts, with one of the most significant being the sale of fur coats to cater to
China’s exploding requirement for bling. Incidentally, Denmark is one of the
world’s leading producers of mink, fox and chinchilla fur.
The UK, by comparison, having lost all of
its huge mineral-rich overseas landmasses, will continue to struggle to make
itself relevant – which is a good thing in my opinion. It has been a century
since the British Empire began to collapse – more than enough time to get over
it – and the country will likely revert back to what it once was, i.e. a group
of soggy islands off the coast of northern Eurasia well suited to sheep
farming. Of course, it will likely take a few centuries to get to that point,
by which time I and everyone reading this will be long gone and some of my
distant descendents may well be sheep herders.
9 – Population and carrying capacity. As mentioned above in ‘food’ both the UK and Denmark will eventually
have to severely reduce numbers in order to live off the planet’s natural
income as opposed to its energy inheritance. At present, people in both
countries largely subsist on what William H. Catton calls ‘ghost acres’. These
are invisible fields in far-off places where the food is artificially produced
using oil – invisible to practically everyone who doesn’t want to contemplate
them. As energy, the master resource, becomes less available, so will these
ghost acres.
But before that happens we have to go
through the next big financial shock, which could happen any month now. Nobody
knows how long Europe’s politicians and bankers can keep shoving golden eggs
down the goose’s throat, but when those same golden eggs stop appearing at the
other end we can expect our standard of living to start resembling what
ordinarily comes out of a goose’s backside. Many people will suddenly find
themselves without the inclination to carry on and commit voluntary entropy,
and some will achieve this semi-unwittingly with drink and drugs. More still
will end up shivering/sweating in the cold /heat and a failing medical care
infrastructure will suddenly reverse the increased longevity that we have been
led to expect by the media. With social care systems collapsing we can expect
to see the elderly being abandoned (some would argue that is already happening)
as it becomes unaffordable for the system as a whole to look after them.
Disease management systems will similarly be hit by cutbacks and viruses will
have a field day.
But when the rubble has stopped bouncing
after a few years we might find ourselves in a position of falling population
as couples avoid conception, which commonly happens in collapsed societies.
Unwittingly, we may already have entered this, as fertility rates have been
falling for a long time and only expensive procedures, which will likely be
unavailable in the future, currently allow infertile couples to have children.
10 – Preparedness/resilience. If all of what I have written above make you wonder why I’d want to
stay in either country and put myself
and my family through that risk, then this last point is the remaining element
– hope – to emerge from Pandora’s box after all the other forces of chaos had
been let loose.
It is my steadfast belief that people in
the UK – or perhaps I should say some people
in the UK – are better prepared mentally and physically than their Danish
equivalents. The Transition Town
movement grew from the UK, although in reality people have been practicing low
impact sustainable living for decades, and despite the hollowing out of
industry many small scale artisans still remain below the radar. There is a
growing web of food networks, local currencies and community energy projects
and the assumption of many people in the UK is that they cannot trust the
government to deliver vital services to them. This, ironically, is a strength when compared
with Denmark, where people are less empowered to take over their own
livelihoods, and act timidly when it comes to going against the system. The
assumption here is that the government always has their best interests at heart
and that all solutions come down from the top.
Have you ever heard of Occupy Denmark? No, I thought not. In this
respect, the conservative janteloven,
which is supposed to protect society from radicals, may in fact be its Achilles
heel.
In the UK there is strong grassroots
opposition to the coalition government and its suicidal plans to build more
roads, airports, nuclear power stations and fracking wells. Overcrowded
Britain, for better or worse, is a country of NIMBYs, making any new capital
project that is perceived to be dangerous or ugly (or both) difficult or
downright impossible. I certainly want to be there to play my part in helping
to stop any suicidal growth projects that might be in the pipeline for my local
area. Call me a de-growther, if you like.
Finally, and although it might sound like a
bit of cliché, I really believe that the concept of fairness and sharing is
etched into the public conscience. Whenever disaster strikes we tend to stop
grumbling about one another and pull together to get through it as best as we
can. It takes practice to stiffen that upper lip. We have developed a warped
sense of humour as a safety valve for life’s absurdities and horrors, and despite decades
of media scare stories about the dangers of strangers the country is still
packed to the gunwales with good Samaritans the charitable folk. Furthermore,
there’s a growing sense of reverence for the natural world, a stirring of the
spirit that urges us to protect the Earth in all of its diversity. Is this part
of something bigger? We will have to wait and see on that one.
All of the above might look like a
reductionist attempt to convince myself that buying a small forest in one of the outermost appendages of the country and learning the skills of a woodsman is a
good idea. If it seems that way then it wasn’t supposed to be. Reductionism and
rationalisation can both be dangerous pursuits and none of us can predict how
the future will be and what our place within it will look like. All of us have
to learn to embrace uncertainty and proceed with caution but retain good spirits
and a sense of wonder at the world in all its complexity and all its awesome
beauty. That, at least, is what I intend to do.
It sounds like you are trying to make arguments in favor of moving to Canada.
ReplyDeleteI had no idea Denmark was in such rough shape finance wise.
It is an interesting comparison: transition town versus neo-green movement. I am with you, I think transition town will win. Of course the barbarian hordes may overun either, but at least the channel will keep the largest population of them away (sort of).
I would go were we had the most familiy/close friends.
Russell - Denmark looks great at face value. Clean streets, healthy people on bikes, shiny new building everywhere. It's when you look at the country's balance sheets that things start to look a bit odd.
DeleteSomeone once told me that Denmark is a public state ponzi scheme, relying on cultivating an image of safety to lull investors into paying even more to finance its oversized public sector. If that is the case, then it worked really well during the boom years, but like many other aspects of our modern world, it turns out not to have a reverse gear.
It will be interesting to see whether the state buys off bad private debts. I wouldn't be surprised if they do. Maybe they'll give away a bit of Greenland to China to pay for it. Or perhaps the Faroe Islands.
Financing an oversized public service sounds very much like the great success story of the Southern Europe, namely Greece.
DeleteOne of these days it will dawn on people that Public Servants are not industrial. They don't make anything, ever. All they do is require more and more money to justify their existence.
I should know.
I used to be one.
Sounds to me like Denmark is the ideal place to PowerDown... IF you're Dutch. In certain scenarios, especially ones involving thoughtful, controlled energy descent (i.e. "Power Down"), janteloven sounds like an ideal strategy; in others it'll probably get everyone killed. What is most important is that the greater the diversity of strategies for dealing with industrial collapse, the greater the chances that at least one will succeed.
ReplyDeleteI still say, "Stay where you are, or go home", and to me, it sounds like you're going home. Home doesn't have to be a place where you have lived before or even share the same face. It is sharing the same spirit that is crucial. Knowing your surroundings is also important. Moving to unfamiliar territory to be with kindred spirits may well be worth the risk, but no one should be going into a world completely alien to them.
John - Well, Dutch people don't really fit in in Denmark either ;o)
DeleteJanteloven will probably be useful in the long run. These Nordic countries are deeply conservative. But then again, maybe all countries are, deep down. At least the ones that want to survive.
At present it is being overhauled in favour of brash and vulgar shows of materialism - at least by the young.
Reading this I'm surprised to hear how a lot of what applies to Denmark equally applies to Canada. In fact, the decline there is proceeding despite having abundant resources (which are getting very expensive to extract and transport, like tar sands). My generation is now the new underclass where after getting an education you're out of luck:
ReplyDeletehttp://ca.news.yahoo.com/the-new-underclass-213043737.html
The odd thing is that even tradesmen are finding it hard to get steady work.
Part of the problem is that everyone after WWII came to feel entitled to substantial incomes and middle class lifestyles. This is a global thing in the first world actually. The paradigm shift will sting more than having to eat simpler food or not owning a car. Most of the careers we were trained for nevertheless are unnecessary now.
It'll be a rough road ahead for first world residents.
Hi Jeffrey. Yes, I think Denmark and Canada share a lot of similarities. I'm not sure why, but I reckon they do.
DeleteAs for tradesmen, I just saw on the news today that many of them in Britain are facing insolvency. Apparently it's a huge problem. With not enough work around they each undercut the other, leading to a depression in earnings. What's more, the bigger firms are paying them late, perhaps because they now have so much power over them. It's a sorry tale.
Entitlement and change. Well, I just read the latest post on Philip Carr Gomm's blog. It is an excellent meditation on all the chaos that's coming our way. Here's the link.
http://philipcarrgomm.wordpress.com/2013/01/22/love-makes-sense/
I felt point number 10 in your list on Denmark attitudes towards government being the country's saviour rings true for Canada as well. The overall sentiment in Canada, especially in west coast/central/eastern regions is that big government is good and it will always be there to save us.
DeleteWhat will be interesting is seeing how long it takes Canada to fragment into smaller territories. There has been a long standing psychological divide between east and west (barring the west coast) and I'm certain once it becomes too expensive for Ottawa to exert its influence on areas thousands of kilometers away, those areas will probably declare independence.
The option of 'indepence/schisms/going it alone' all sounds very good, until you have to dice and slice the existing national debt of the greater, existing country.
DeleteHow much of the existing UK debt will Scotland agree to absorb if the 'Union of Crowns' comes to an end?
5%, 14% or 25%.
Who knows?
@anonymous - Who knows about Scotland. I wish the Scots well, but they do realise that North Sea oil is running out don't they? I heard someone say 'That's no problem, we'll export wind electricity,' - but I'm not sure there will be much of that either.
DeleteNorth Sea oil is almost finished and the future revenue from the known reserves has already been spent before it even reaches shore.
DeleteCoal and iron ore were depleted a long time ago so no hope of heavy engineering making a Lazarus like resurrection on the Clyde.
Edinburgh and the Central Lowlands currently survive on financial services and call centres that don't manufacture anything, so not a winner either.
As for exporting wind and tidal electricity to England or mainland Europe, this is nothing but exotica.
Intermittency, line losses, lack of subsea interconnectors and notwithstanding the extremely high selling price required to make projects economically viable are not words you will hear from Scottish Nationalist proponents of independence.
I am Scottish but I fear that if Scotland does secede from the UK, it will very quickly become a North Atlantic version of Haiti.
PS the next time someone tells me that there are billions of barrels of crude oil under the North Atlantic near Rockall and it is only a matter of time before technology makes the next step to making Rockall oil a reality. I say, it is difficult enough to extract oil in the North Sea, where swells are not as big as the North Atlantic. So stop kidding yourself.
Denmark and Canada share a lot of similarities. I'm not sure why, but I reckon they do.
DeleteCould it be the larger neighbour to the south that one must define your separate identity from?
"Denmark’s consumers have been spending money over the past few years like drunken sailors who just washed up on the mythical shores of Consumerlandia and found the streets to be paved with gold VISA cards.
ReplyDeleteMaybe it is the widely-held belief that nothing bad can happen to them and that the government will ride to rescue that has caused all of this, but it is was certainly also the case that this cheap credit was pushed onto those least able to afford to pay it back as well. As ever, it takes two to tango. Cultural factors may also play a part. Danish people like to think of themselves as ‘virtuous’ and ‘deserving’ and the Lutheran religious values of purity which are buried like undead zombies under the floorboards of the nation’s psyche, have crawled up to manifest themselves as people who live in flats where everything is painted white and decked out with expensive designer furniture. A weekend in New York to pretend to be one of the characters from Sex and the City, or a quick holiday to Thailand in the deep of winter to top up your tan is considered normal behaviour in this virtuous zombie culture. Is it any wonder that Denmark is routinely quoted as ‘the happiest country on Earth’?"
That's some mighty fine writtin' my friend. I enjoyed this piece immensely and your advice at the end is a good way to look at the future. I can agree with it and it's what I'm trying to do as well. Definitely going to be some people die over Greenland. I imagine Russia, China, and America will be other there killing each other before it's over with. I just hope they don't think they can get away with conscription cause there ain't no way my ass is gonna die on account of a corrupt government's blood lust for oil and other non-renewable resources. They ain't taken either of my sons either. I'll go to my grave keeping that from happening.
I've decided to vie for a position in the outer party at the ministry of health for my families sake. Gonna see if I can't get my hands on some money so that I can afford to cultivate a permaculture haven where other young nomadic druid hippies can come and be left the fuck alone. I just don't have the capital to do it now. I don't have any money. In a couple of months we're going to be completely out of it unless something changes.
By the way "voluntary entropy," Ima steal that one...that's awesome.
Thanks - I thought you'd like the voluntary entropy line ;-)
DeleteGood luck with the job - sometimes we have to do these things. Think of the wider picture; it sounds like you already are. As for that nomadic druid permaculture hippie camp, it sould like a winner.
Did you email my fried Sam about the caravan? He told me he might be interested.
Could the debate for Kernow v Denmark be summarised as "if I go there will be trouble and if I stay it will be double"? Great song.
ReplyDeleteI guess it comes down to where do you want to be, and you've made that choice. Have you got a moving date yet? I suspect you are spot on that the Kernowyon will prove to be more resilient in the face of collapse than many and community ties you make there will be enduring ones.
Another plus is that Choughs have recently returned to breed very close to where you will be living. They breed nowhere else in England or Denmark, http://www.cornishchoughs.org/
I was thinking of including the second verse and maybe even 'Should I commit or should I blow?' :-)
DeleteI booked a cabin on the overnight boat from Esbjerg to Harwich today. It sets sail on 14th March.
As for the choughs - that's great news. I was puzzled because I saw them at Lands End on my last visit, but had read that they were locally extinct. Thought I was perhaps seeing things ... now I know better! My woodland is practically on The Lizard, so maybe I'll have a few visiting me.
I think it is a brilliant move. What do your wife and kids think?
ReplyDeleteWell, they are very excited. Most people, when I tell them where I'm moving to say 'But where will you get a job?' - the implication being that you can only really survive in places where office jobs are readily available.
DeleteMy wife was pretty much think along the same lines until I showed her 4 hours of Automatic Earth videos. Ever since then she has been talking about root cellars, organic vegetables and working as a seamstress. If anyone else is having trouble convincing their 'other half' I'd recommend doing the same - Nicole Foss seems to be able to connect with women rather better than, say, Michael Ruppert. Funny that.
BTW it has been pointed out to me that the main picture on this post is phallic!
ReplyDeleteAll I would say to that is that it is up to your own individual interpretation if it seems that way.
What it actually is is a naturally formed upstanding chunk of ice down on the beach near where I live. I snapped it one day a couple of years ago when walking by the shore.
But if you think it looks like an ice penis then be my guest.
yeah, I emailed him the craigslist on it. He never got back to me. Figured that meant he wasn't interested? Don't know, thanks for the tip though.
ReplyDeleteHold in there - he's not the most prompt of answerers. Still, I think the financial crisis may just have bitten him too ...
DeleteJason, a very fine piece, thanks for the clarity of presentation and the funny bits too! Of course what normally comes out of a goose's backside is a whole lot more useful, especially in a declining world, than the golden eggs, but try convincing people caught up in the current paradigm of that.
ReplyDeleteBest of luck with the moving process and settling in! I know you will do fine, the luck is just for those annoying moving glitches that pop up. I've moved enough times to be pretty familiar with them.
An excellent article Jason. We're watching the current series of Borgen on UK T.V. Fascinating to read your account of what's going on behind the scenes. Thank you. RogerB
DeleteHi Claire. I've moved more times in my life than I care to think about!
DeleteYou're right about the goose, er, 'waste' - biologically speaking it's much more valuable than gold.
Oh the brain racking that has besieged me over the last year! Thank you Jason for your many thoughtful articles, I'm an antipodean and though there are different sets of problems your writing is as much a solace as an inspiration. I am yet to find anybody of similar sense of reality here in "the lucky country".
ReplyDeleteCheers Kerry
Hi Kerry. Glad to hear my ramblings are helpful :)
DeleteReality is a slippery beast, but if you think you have a hold of its tail it's best to hang on tight before it wriggles free again!
I really enjoyed this blog. Thank you for sharing your thought process about how you decided on where to live. It's something I've been wrestling with for just a little over a year now. An analytical examination of the pros and cons for different areas would be invaluable. I noticed you didn't mention anything about family or friends, and I assume this was intentional. Does it not factor into your considerations?
ReplyDeleteI think the most important piece of advice in this piece is to embrace uncertainty. The ability to embrace change and see it as an opportunity is invaluable, even during times of relative stability.
Tim, thanks. Also, thanks for pointing out lack of mention of family and friends. This wasn't intentional, it's just that all my friends, former at least, are spread out geographically, and nearly all of my family are dead or I have lost touch with them. So it goes. I realise it is an important consideration for most people, and it's one that deserves some more attention than I have given it.
DeleteHi Jason,
ReplyDeleteGood luck in the UK -- very well reasoned, though your comparisons make either country sound dubious -- and how do you feel about Cameron's scheme to secede from the EU? After reading your analysis, I feel quite cheery--at least the US isn't the only dubious country around. I look forward to reading about your rural adventures.
Hi Adrian. Thanks for your wishes. Nooo - there are plenty of dubious countries around! The US fulfils the roll of 'dubious country in chief' so that other smaller ones can feel good about themselves.
DeleteAs for Cameron ... well, playing the Europe card looks a bit like desperation to me. Still, it was never going to last in any case, and bashing mainland Europe is always a vote winner in some quarters. Perhaps he is worried that if Europe pulls through the euro crisis and comes out stronger, Brussels would try to impose regulation on the City.
Hi Jason, it sounds as if you did the math of reasoning and then came up with the choice of your heart instead. I mean to say that your essay speaks more in favour of Denmark, until at the end, like a deus-ex-machina, your inner choice reveals itself: it is the UK! I am happy for you, of course, and also that your wife and kids are on the same line.
ReplyDeleteI know both countries well, and can therefore fully grasp your reasoning and arguments. I am from a country that is very alike Denmark, the Netherlands. Just to make sure the American readers have a clear understanding of the topography of this corner of the world: Denmark is a nordic country, part of Scandinavia, and is populated with Danes, who have Dane dogs and eat Danish pastry. The Netherlands is part of North-West Europe, and is overcrowded with Dutch who eat Dutch cheese and admire Dutch painters from yore. The linguistic mistake of calling us Dutch is on the side of the English language: we call ourselves "Nederlanders", like other folks do as well. Why the English chose to call us Dutch, lies in the history and is cause for many misconceptions.
That said, I would like to point out to you something I have learned over the years. The USA is a lot more hectic to live in than "our" countries are. This has to do with what you call "janteloven". It is a certain calmness and relaxed living that is absent in this country and to be honest, I quite miss that. It is even the main reason that I have decided that the USA is not my place to be.
So I guess we globetrotters all return to the ideas we once left behind, to find the same back again, in a different shape, in a different setting, and in a different time.
Looking forward to your next post,
Jeannette
Hi Jeannette. It's always a source of wry amusement to me when some people mix up Denmark and Holland - there's no better way to rub up the Danes! Still, it can perhaps be forgiven. They are both flat, have lots of bikes and windmills and the peoples begin with the letter D!
DeleteAs regards the hectic pace of life in the US - I will never forget going to a deli in downtown New York at lunchtime and making the fatal error of not knowing what I wanted to order when I reached the counter. As I stood there looking at the impossibly long menu I almost got shouted out of the place by the other customers - all of whom knew exactly which complex combination of toppings they wanted on their lightly toasted wholewheat rye sesame-sprinkled ciabattas, or whatever.
Life in the UK, by contrast is like watching a game of test cricket.
But even the UK seems fast-paced from a Danish perspective!
Being Dutch and living in the US myself for the last 15 years, I do find that I have a totally different experience of living here than Jeannette. I think that is mostly due to the fact that there is a huge difference between west coast and east coast mentality in the US (maybe except for southern CA, but I live in Oregon). I try to avoid the East coast like the Plague, but what I have heard is that people are way more career oriented. The west coast is pretty laid back, although the amount of woo woo that floats around is very challenging for me.
DeleteI have been back to the Netherlands several times and the lack of diversity drives me nuts after a few weeks. The US has huge problems, but I am pretty clear that I am staying put until the time that the amount of guns and crazy people (due to the ex-soldiers and ex-convicts being released in society without support) will drive me out. When this is the case, I doubt I will return to the Netherlands.
I am currently an ex-pat(uk) living in beautiful Australia (since 99), but often stranglely romantasise about living the perfect life in the UK. Perhaps it is because I was born there and feel a strong affinatey. But if the truth be known when I really think about going back I remember that there were alot of things in the UK that I really didn't like when I was living / growing up there. However I do still have family there which is definately a big draw.
ReplyDeleteFrom what you say about Denmark it sounds like a much better place to be than the UK, with a clear vison for the future (renewable energy plans, afforable housing, attitudes that focus on the collective rather than individualism etc etc). I could not see much at all in your article that went against the case for staying there.
As for the attitudes of the young I think you'll find that the uk has a comparitable amount of materialism as Denmark. It seems that all westernised countries populus focus more on show than substance these days. Obviously in the uk not many of those young can find a job so it is certainly leading to resentment of not being able to have that lifestyle. The rest embrase debt to get it.
Regarding the move I am wondering whether you will have your own hugh grant moment as at the end of the movie Notting Hill. This is where he turns down true love because he cannot see it for what it really is, until one of his friends clearly points this out and suddeny he realises he has made a terrible mistake....
However I do wish you the best of luck and I will be very interested to see whether/how your views change once you have resettled in the uk.
"I could not see much at all in your article that went against the case for staying there."
DeleteDid you read the bit about the country being lost to sea level rise? What about being used a doormat by armies in the coming resource wars?
I could come up with perhaps 20 more solid reasons.
Believe me, I won't be having any Hugh Grant moments.
My name is Marissa Grace,I am a Citizen Of Denmark.Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dr Purva Pius Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:(urgentloan22@gmail.com)
ReplyDelete
ReplyDeleteMY TESTIMONY FROM A LEGITIMATE MONEY LENDER
Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dr Purva Pius Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:(urgentloan22@gmail.com)
ReplyDeleteGood Day
Are you in any kind of financial difficulty? Are you having
sleepless nights and worried on how to get a loan to relief
you of all your financial stress? Your help comes now.
Contact: JAMES WALTON LOAN COMPANY for easy and
reliable loans at 3%.
Email: jameswaltonloancompany@gmail.com
Borrowers INFORMATION
Full Name:
Country:
State:
Sex:
Loan Amount:
Loan Duration:
Address:
telephone number:
JAMES WALTON
This comment has been removed by a blog administrator.
ReplyDeleteGreetings to you by ADIA.
ReplyDeleteWe are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)
Are you looking for Finance?Are you looking for a Loan to enlarge your business?I think you have come to the right place,We offer Loans at low interest rate,Interested people should please contact us on For immediate response to your application, Kindly reply to this ad for your loan today.Email: freedomlendinghome@gmail.com
ReplyDeleteAre you looking for Finance?Are you looking for a Loan to enlarge your business?I think you have come to the right place,We offer Loans at low interest rate,Interested people should please contact us on For immediate response to your application, Kindly reply to this ad for your loan today.Email: freedomlendinghome@gmail.com
ReplyDeleteAre you looking for Finance?Are you looking for a Loan to enlarge your business?I think you have come to the right place,We offer Loans at low interest rate,Interested people should please contact us on For immediate response to your application, Kindly reply to this ad for your loan today.Email: freedomlendinghome@gmail.com
ReplyDeleteAre you looking for Finance?Are you looking for a Loan to enlarge your business?I think you have come to the right place,We offer Loans at low interest rate,Interested people should please contact us on For immediate response to your application, Kindly reply to this ad for your loan today.Email: freedomlendinghome@gmail.com
ReplyDeleteI am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us Email osmanloanserves@gmail.com
ReplyDeleteYour Full Details:
Full Name :………
Country :………….
state:………….
Sex :………….
Address............
Tel :………….
Occupation :……..
Amount Required :…………
Purpose of the Loan :……..
Loan Duration :…………
Phone Number :………
Contact Email osmanloanserves@gmail.com
End your financial worries
ReplyDeleteEnd your financial worries now: We offer all types Loan for new year loan,Personal Loan,Real Estate, Business plan,Renovation, Infrastructural, Hotel,Investment Loan ETC at low interest rate of 3%. contact us now pwloancompany484@gmail.com for more information
End your financial worries
Testimony of how i got a loan
ReplyDeleteHello,
My Name Is Mrs Blessing Tome I want You all To be careful because nobody can help you here or even suggest how you can get financial help.Any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for LEWIS HARRY LOAN COMPANY that i was referred to by a friend of mine,who is his name,Mr LEWIS HARRY.They made my life a valuable one,and gave it a meaning and also put a smile on my face.I was approved loan of $180,000.00 USD in 24HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan company at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my friend referred me.due to my friend directed me i obeyed to their terms and condition of the loan,little did I know that my financial problem has come to an end .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the mother of my daughter,and my daughter (Bellina) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.to summarize it all i got my desired loan of $180,000.00 USD . i promise him to bring as many people as much for her kindness.she is a God fearing man.Their charge is very affordable and reliable compare to many out there,their interest rates just 3% .NOTE:You MUST have a good and liable income source) His Name is MR LEWIS HARRY Feel free to email him at via Email: lewisharry_lending@hotmail.com ” and you will be free from scams.please don't email him if you not interested. Kindly be informed that loan will be given to you in any country you reside in the world.
I am Mary Brown, am among the happiest people in the world today reason because i just got a loan from a very reliable company at the rate of 3%. i was so in need of urgent loan and i had fall to the hands of INTERNET fraudsters in search of getting a loan, till i saw a testimony of people on Face book who said they got their loan from Intercontinental loan Firm, i gave it a trial behold i got the loan within 24hours, do contact him if you are so in need of a loan trust me you will be the next to testify. email: intercontinetalloanfirm111@gmail.com
ReplyDeleteGreetings to you by ADIA.
ReplyDeleteWe are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)
Hello Every One, I am Mrs Jessica Garwood From Ohio , I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,210 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr David who is the of Pay-less Loan Company So i applied for a loan sum of (90,000dollars) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two days the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact him via: (ultimateloancompany8@gmail.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.
ReplyDeleteGod bless everyone that cares to listen and take the right part in getting his or her loan and not fall victim. why am i saying this, i am saying all this because there are many testimonies on the internet which are either true or false but i tell you today, after all i have passed through in the hands of scams i will not fail to announce this God fearing lender who helped me out of my diverstating condition when i lost my Job and couldn't pay my children's fees, after been denied loan due to bad credit by loan sharks and other credit unions i visited, my bills where behind and we were about to be throne out of our house but as God will have it i logged on my Facebook to seek for help from friends and family members all to none avail. while still on Facebook i saw a testimony by one Celina wheels who once had similar problems and got her life transformed by this same lender. Immediately email them at: hm32501@gmail.com and behold i received my long desired loan within 48hrs of processing and i am grateful to God almighty for bringing such a lender across my way. TEL:(+1)904-513-0194
ReplyDeleteHello Everybody,
ReplyDeleteMy name is Mrs Sharon Sim. I live in singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(kellywilliawsfinancial@gmail.com) Thank you.
How I Got My Loan From A Genuine And Reliable Loan Company
ReplyDeleteHello Everybody,
My name is Mrs.Irene Query. I live in Philippines and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $150,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of$150,000.00 US. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Irene Query, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.
1. Your Full names:_______
2. Contact address:_______
3. Country Of Residence:______
4. Loan Amount Required:________
5. Duration:_____
6. Gender:_____
7. Occupation:________
8. Monthly Income:_______
9. Date Of Birth:________
10.Telephone Number:__________
Regards.
Managements
Email Us: urgentloan22@gmail.com
ReplyDeleteDo not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel.My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service.Website: http://www.morristrustfundlimited.com Email: morristrustfundlimited@hotmail.com USA Florida +18503666201
CURTIZ MORGAN LOAN FIRMS INTERNATIONAL
ReplyDeleteDo you need an urgent loan to finance your business or in any
purpose?
we are certified and legitimate and international licensed
loan lender
We offer loans to Business firms, companies and
individuals at an affordable
interest rate of 3% , It might be a short
or long term loan or even if you
have poor credit, We can still grant the loan to you as soon as we receive
your application.we are an
independent financial institution.
We have built up an excellent
reputation over the years in providing various
types of loans to
thousands of our customers around the globe
We Offer guaranteed loan services of any
amount to citizens and
non-citizens we offer easy personal loans,
commercial/business loan, car loan,
leasing/equipment finance, debt
consolidation loan, home loan,
for all citizens and non-citizens with
either a good or bad credit history.
If you are in need our company
email (curtizmorganloanfirms@mail.com)you
can email us with your
information.
NOTE:All Responses should be forwarded to:
(curtizmorganloanfirms@gmail.com)for quick process
CURTIZ MORGAN
LOAN CONSULTANT
Are you financially squeezed? I can smile that God-fearing man, who had secured € 220,000 and two of my colleagues have also received loans from this man, without any difficulty. I advise you not to choose the wrong person, you will definitely apply for a cash loan for your project and each other. I wrote this post, because Mr. Pendelis Wealth, made me feel blessed their loans. It's through a friend that I met this honest and generous God fearing man who helped me get this fund to pay for the loan of your life, you need financial help, you're stuck, do not have access to bank credit, or not in favor of the bank to finance your construction, real estate development, the development of your business your own business, you must have seen and earn money, bad credit or need money to pay bills or debts. Therefore, we recommend that you go there, please contact and meet with you for the services you ask for it. Contact address: woodmoore@yandex.com
ReplyDeleteAre you financially squeezed?
Creditor Name: Miss Nancy Leonard.
ReplyDeleteLender email: carlosinvestment@hotmail.com
We offer private, commercial and personal loans at very low annual interest rates as low as 2% in one year to 20 years repayment period anywhere in the world. We offer loans ranging from $ 2,000 to $ 100 million.
Creditor Name: Miss Nancy Leonard
Lender email: carlosinvestment@hotmail.com
Regards,
Miss Nancy Leonard
carlosinvestment@hotmail.com
LOAN OFFER
ReplyDeleteDo you need Financial Assistance? We can help you We give out loan with an Interest rate of 4% Please reply to via Email: alexandergrantloanfirm@hotmail.com Kindly write us back with the loan information;
Please, contact us for more information: alexandergrantloanfirm@hotmail.com
Yours Sincerely,
Rev Dr Alexander Grant
LOAN OFFER
ReplyDeleteDo you need Financial Assistance? We can help you We give out loan with an Interest rate of 4% Please reply to via Email: alexandergrantloanfirm@hotmail.com Kindly write us back with the loan information;
Please, contact us for more information: alexandergrantloanfirm@hotmail.com
Yours Sincerely,
Rev Dr Alexander Grant.
Hello
ReplyDeleteDo you need a loan urgently for a purpose ?? if yes email: repoloaninvestment@yahoo.com.
we
are currently offering loan at a low interest rate of 2% so if you are
interested in this offer please fill up our application form;
Full Name:
country:
Gender:
phone Number:
Loan Amount:
Loan Duration:
Note: all information is to be forwarded to our mail repoloaninvestment@yahoo.com...
Best Regards
MRS. Eltha Marry
awaiting responses.
Hello
ReplyDeleteDo you need a loan urgently for a purpose ?? if yes email: repoloaninvestment@yahoo.com.
we
are currently offering loan at a low interest rate of 2% so if you are
interested in this offer please fill up our application form;
Full Name:
country:
Gender:
phone Number:
Loan Amount:
Loan Duration:
Note: all information is to be forwarded to our mail repoloaninvestment@yahoo.com...
Best Regards
MRS. Eltha Marry
awaiting responses.
Greetings to you by ADIA.
ReplyDeleteWe are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)
Greetings to you by ADIA.
ReplyDeleteWe are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)
Good Day,
ReplyDeleteAre you in any kind of financial difficulties? Your help comes now.
Are you having sleepless night worrying how to get a Loan?Don't allow
your dreams to die, or are you looking for whom to trust or having you been scammed by INTERNET fraud stars, or you have been turned down by other financial company contact
JOYCE MYERS LOAN COMPANY today for
easy and reliable loan. Please you are to fill out this form showed
below this email.{{{finance2014911@gmail.com }}}
BORROWERS APPLICANT FORM
Full Names:............
Gender:....................
Marital status:.........
Contact Address:...........
Country:........................
State:..........................
Age:...........................
Monthly Income:..............
Loan Amount:...................
Duration of Loan:............
Date Of Loan Needed:.............
Weekly Income:....................
Occupation:.........................
Purpose for Loan:.................
Phone Number:....................
Personal Phone Number:.........
Fax Number:......................
How Did You Hear About This Company?........
Hello ,
ReplyDeleteAm Mr James brown . Am a man with a great testimony I live in USA and i am
a happy man today? and i told my self that any lender that rescue my family
from our poor situation, i will refer any person that is looking for loan to
him, he gave me happiness to me and my family, i was in need of a loan of
$360,000.00 to start my life all over as i am a father with 2 kids I met this
honest and GOD fearing man loan lender that help me with a loan of
$360,000.0.Dollar, he is a GOD fearing man, if you are in need of loan and you
will pay back the loan please contact him tell him that is Mrs cynthia kelly,
that refer you to him. contact Mr.Kelvin smith,via email:-
kelvinsmithfunds@hotmail.com
*Hard Money Loans
*Business Loan
*Debt Consolidation Loan
*Personal Loan
*Business Expansion Loan
*Student Loan
*Agricultural Development Loan
...And Lots more
Email: kelvinsmithfunds@hotmail.com
I just want to let everyone out there who is truly searching for a loan know that there is still a loan company you can trust, i have searched for a real and legitimate loan lending company since year 2007 and all this time i have been scammed countless of time until a friend told me about a company called (Am.Invest). At first, it was hard to believe but i just decided to proceed and with the way the (MD) talked with with me, not that i was fully convinced but i decided to give it a try and when he brought the issue of a fee i almost ran away but i summoned the courage to pay the fee and when this fee was paid immediately i got my loan of 50.000.00USD in January 2016 in my account it was indeed a dream come true for me and my family and today all thanks to (am.invest@hotmail.com) and God i can smile again i recommend this company to everyone out there because they are trusted and reliable.
ReplyDelete