No, I haven’t just sneezed, I’m talking about the Japanese concept of ‘continuous improvement’ or literally from ‘Kai’ = change/correct   and ‘Zen’ = good . This produces a mindset of always looking for ways to improve things, thus being creative rather than reactive. Compare this to mottos like ‘ If it ain’t broke, don’t fix it’ or as we say downunder ‘She’ll be [...]

2009 will be remembered as the year of the Big Bailouts, where governments have stepped in to save the Banking System from collapse. Where did our Governments get these huge reserves of cash?  In reality the Governments are borrowing that money off the banking system.  Not only are taxpayers taking over the ‘toxic debts’ created by the banks, allowing them to keep their ‘toxic profits’, but [...]