Wednesday, April 09, 2025

Girl Guides Treasury TFFT oncea⚖️

Michele Bullock

A girl who guides… 

A lady who cycles every 6 weeks 🆙☹️📉⬇️👇👎🙃

A bored room Reserve Tipple… 

A river bank 

A central 

AUSTRALIA 

As bald eagle fascist DUTTO & 

alibi albo Mr Post Mortal 

Spend a penny two bribe swinging electorates 

Both buoys are in FULL BS swing mode now

Labouring liberally nationals bleating 

As a Duopoly of diss grace 

DUKE IT OUT… 

Towards the comp pulse sore ree a tend dance 

@THE erection MAZE DAY ball out box🎁📦🗳️

May Day May Day May Daze… 

Donk key voters INN a bun dance 

INN FORMAL NFI a close run ignorance, 

Pop your white ghost bed spread in the senile box 

Upper HOUSIE 

Pop your HOR green slip in the other won… 

Lower HOUSIE 

“Vote early vote often… “

So ye olde Aussie MUNGO MACALLUM saying goes, 

A WELL HUNG PARLIAMENT is on the cards… 

Cross benchers, 

one very cross bench, we hope…!

bench pressing… lifting heavy waits? 

Teals & greens & 

indecently awesome independents 

of assorted minor parties  

Holding 

The Balance Of Power ⚖️


Butt in the mean time??? 

Interestingly the share market tanks? 

Rates rates rates 〰️〰️〰️ unstable at the mercy of madmen! 

No thing has changed…. GFC centralised…. 

☝️🆙📈🤪 ore 👇↘️⬇️🔽⏬👎🔻📉,,, 

Only Michele 

& her interesting bored mates will tell… 

INTER REST 🗓️💯% rates〰️💴😵‍💫〰️😵‍💫〰️〰️〰️〰️

Money markets cash cow flows 🐮🐄🤠💰💵💸

As the world catches cold from infectious germs of 

TRUMPIAN BLOW HARDS 💨

Snot pus bile dumped on world, 

One orange faced 

Wilful wanker 🍫

Oompa Loompa sing 

“he’s Knot the messiah just 

A VERY naughty buoy”

A second coming gee suss? 

Face less Facebook fake Men in black 

@DOGE CITY 

Lips loose making cuts collateral dam age… 

Fall out fall in two lies 

AWL GUMS BLAZING… 🔥🔥🔥 🔫🔫🔫💪

Cow boys 

Wild West 

take no prisoners 

bang bang bang destroy the joint chiefs of stuff… 

Shoot ‘em 🆙 stuff IT up 

Cuts lashings smashing glass houses 

Musk 

PETER THIEL ETAL

 (META MURDOCH MORE MAD MEN) 

Trumpies capital con duck tores… 🎤🎤🎤

Tearing the farm to shreds 

Revolting? revolution? Rebound? 


Whilst Australia bends over and takes trumps tariffs 

The world 

Takes another USA soft serve 

THINKING the United States of amnesia are still an Allie? 


Where is AUSTRALIA heading for our Youth??? 

Our next Aussie under 30’s generation 

will be picking up broken peaces 

for decades 

if not eons… 


So Aussie young Wons aged 

18 to 35’s 

who ya gunna call? 📞 ☎️📲🤙🤳📳

More of ancient tired albo or 

crusty demon Dutton? 

Or those independents? 

The greens? 

The teals? 

The cross benchers? 

The “keep the bastards honest?” 

Vote vote vote may days coming soon!!! 

Whilst over seize those pesky seppos shoot it up 

Bang bang bang all guns blazing 

Sheriff Dusty Musk Eee LON buoy 

Tesla Tanking 

Tariffs 🆙 

Rates 〰️ wavy people hurting hard 

Real World ❓⁉️❓asses 


Yes your vote matters more than ever, 

now, 

Care fully 

and do not waste it! 

“the wheels are falling off 

the global trade system 

and there’s clear downside risk”

As the famous global saying goes
or we will
“Slide in on a prawn sandwich…”
🤣🤣🤣🤣🤣

So RBA
So bored room bank hers 
Let the 🚽🚻🧻👝🧴🚽 real 
girl guide ewe inn…

Thank you Michele & reserved banking
bored room friends

Interesting times we live in…
Michele is 
a most verily important
name on every 
one’s lips. 👄 
(or should be buy now…)

Trust The Pro 
Cess 
🙏🙏🙏
#auspol #election2025



INNOVATION Australia

 “… In Australia, the guidance for the responsible use of AI in government published by the Digital Transformation Agency calls for agencies to designate an “accountable official” for managing the implementation of AI systems, but does not specify the role as championing the technology.

Enabling innovation is the central theme of the Office of Management and Budget orders, including using the US federal government’s purchasing power to support US AI companies.

While being encouraged to “lean forward on adopting effective, mission-enabling AI”, agencies were told that they must “remove unnecessary and bureaucratic requirements that inhibit innovation and responsible adoption.”

“When choosing to pursue an AI acquisition, agencies should invest in the American AI marketplace and maximise the use of AI products and services that are developed and produced in the United States,” the memo said.

The White House memo included orders specifically aimed at maximising the value of government data in relation to AI, and protecting that data from exploitation by third-party suppliers of AI products and services.

“Agencies should treat relevant data, or improvements to that data – such as cleaning and labelling – as a critical asset for their AI maturity,” and take steps to ensure that contracts with suppliers retain rights to federal data and “retain any improvements to that data,” it said.

The OMB orders are designed to accelerate the adoption of AI practices across the US federal government, encouraging AI innovation and support for American-developed AI technology.”

With Reuters via INNOVATION Australia 


Friday, March 28, 2025

Lit Hub Exposes More META Theft





FAKEBOOK INSTANTGRAB TICK TAKE 
You Are The
APP
Product
Being Used…
#dairycows
#milkedry
#AI #machines

 

Thursday, March 27, 2025

GFTN ~ Black Swan

The Black Swan Summit in Perth, Australia.

To Explore unprecedented, high-impact challenges and opportunities in a rapidly evolving world with academics, technologists and Financial Sector Specialists

  1. Fostering Sustainable innovation powered by Web 3 (AI, DLT, IoT, Quantum) and Climate Tech to prepare for and capitalize on the unexpected
  2. Pre-empting disruptive shifts by exploring transformative technologies, and drive actionable strategies
  3. Collaborate to shape the future of a sustainable digital economy and finance

Transformative Technologies to Navigate A World of Black Swans

From AI and quantum to blockchain and climate tech, get a focused overview of the technologies redefining resilience. To explore how emerging technologies are converging to help societies and economies navigate the next wave of rare, high-impact global disruptions that effect all humans.

Kicking off the Black Swan summit Sopnendu Mohanty, Group Chief Executive Officer, Global Finance & Technology Network with a decisive analysis of FinTech’s evolution, where AI’s trillion-dollar efficiencies meet quantum’s security risks, and tokenization redefines access to capital.

The infrastructure we build today, from decentralised ledgers to machine intelligence governance, will determine whether these tools amplify human agency or erode it. The time for passive observation has passed.

#BlackSwanSummit #FinTech #Finance #FutureOfWork #Sustainability #AI #Quantum #ClimateTech #Web3 #Blockchain

More About GFTN

The Global Finance & Technology Network (GFTN) is a not-for-profit organisation established by the Monetary Authority of Singapore (MAS) in 2024 to harness technology and foster innovation for more efficient, resilient, and inclusive financial ecosystems through global partnerships. 

GFTN organises convening forums, offers advisory services on innovation ecosystems, provides access to transformative digital platforms, and invests in technology startups with the potential for growth and positive social impact through its venture fund.

Sunday, March 23, 2025

ShiFt Happens.

Read The Latest Australian Treasury ➤ PDF Report 🠜

Released March 21st 2025 

(still ancient old old old news circa 2018... BUT any ShiFt is better than none...) 

 

Thursday, March 20, 2025

Leadership In Innovative Australian DEFI & Regulation at Hamilton Locke.

You have your finger on the pulse of the financial services industry. 
What do you think are going to be the biggest industry trends for 2025?

The impact of the Australian and global economy on the financial services sector is always on our radar. Of course Donald Trump’s US Presidency is going to have a big impact on the financial services markets, and we’re already starting to see that reverberate through the stock market, and also digital assets/cryptocurrencies.

In 2025 we’re also going to see some major reforms around how Australia is going to regulate the digital assets sector, including cryptocurrency. We’re also going to see reforms on payments, because that has become an important and growing segment within the financial services industry in Australia.

We don’t use much cash in Australia anymore, and people are looking for alternative ways of paying. What we’re finding is there are lots of different payment solutions coming into the market – and that’s an area that’s ripe for reform and improved regulation, because the laws are very clunky in that space.

Anti-Money Laundering and Counter-Terrorism Financing are going to be an important area this year as an expanded range of people will need to comply within the laws.

We will see a continued focus on transparency about fees, charges and relationships between financial services companies. Even after the Royal Commission, there are still concerns about customers understanding the fees they pay for financial services and whether financial firms are managing conflicts of interest. Understanding whether a financial services provider has a bias towards giving advice on a particular product or provider is going to continue to be under the spotlight this year. 

We are going to see more regulator activity and legal actions brought by ASIC.

by Charmian Holmes
Partner, Head of Funds and Financial Services

Charmian is a highly regarded financial services regulation lawyer. She is known for her pragmatic and consensus based approach to legal and compliance issues. Whether she’s negotiating a sale, helping clients connect to do business or mentoring our up-and-coming lawyers, Charmian reads the room and puts people at ease with her down-to-earth nature.

Charmian provides legal and compliance advice to a broad range of financial services industry participants including insurance brokers, general insurers, underwriting agencies, fintechs and insurtechs. She is often engaged to provide legal sign off on product design and development and insurance distribution, including group purchasing arrangements. She is sought out for her niche expertise in innovative insurance solutions including parametric products, discretionary mutuals and aggregate deductible schemes.

Charmian advises on all aspects of financial services law, she loves nothing more than devising new risk products and solutions – like peer-to-peer models and other alternative risk vehicles. She also thrives on helping businesses grow and develop over time, from seed funding through to acquisition or IPO. Startups often seek her out when they need a sounding board to refine their ideas. She creatively finds new solutions that are within the boundaries of the law yet commercial in their execution.

Prior to joining Hamilton Locke, Charmian was a partner and co-founder of The Fold Legal, which merged with Hamilton Locke on 1 September 2022. Prior to that, she worked in the corporate and financial services team at Phillips Fox Lawyers (now DLA Piper).

AREAS OF EXPERTISE

Financial Services; 
Insurance; Discretionary Mutuals; Insurtech; Fintech; Cryptocurrency; Regulatory; Corporate Advisory

AWARDS
Chambers and Partners, Fintech Legal Guide, Ranked Firm, Band 1, 2025
Chamber and Partners, Fintech Legal Guide, Ranked Lawyer, Band 3, 2025
Australasian Lawyer, Elite Women 2022
Chamber and Partners, Fintech Legal Guide, Ranked Lawyer, Band 2, 2019-2024
Lawyers Weekly, Partner of the Year Awards, Financial Services, Finalist 2022 and 2021
Fintech Business Awards, Fintech Thought Leader of the Year, 2019
Chambers and Partners, Fintech Legal Guide, Ranked Firm, Band 2, 2019 – 2022
Chambers and Partners, Asia-Pacific Guide, Financial Services Regulation, Ranked Firm, Band 4, 2020 – 2022
Client Choice Awards, Best Law & Related Services Specialist Firm (>$30m) – Banking & Finance, 2020, 2022
Client Choice Awards, Best Law & Related Services Specialist Firm (>$30m) – Insurance, 2021 – 2022
Fintech Australia, Finnies Award, ‘Excellence in Support Services’, Winner 2018, Finalist 2019 – 2022

QUALIFICATIONS
Bachelor of Arts, Bachelor of Laws – The University of Queensland
Admitted to practice in Queensland

SELECTED REPRESENTATIONS
Appointed by Mitsui Sumitomo Insurance (Australian branch) (since 2020) to advise on financial services regulation and insurance product design and distribution and procurement and contracting arrangements, such as binder and master service agreements.
Advised Amtrust North America (since 2014) in relation to the accidental damage component of Microsoft Complete, an extended warranty and accidental damage product, offered to Australian customers to protect their Microsoft devices.
Appointed to the external legal panel for Arthur J. Gallagher & Co (Aus) Limited (since 2018) to advise on financial services regulation and licensing, insurance design and distribution, group purchasing body arrangements and commercial arrangements with insurers including agency, binder and SME insurance facilities.
Acted for Uber CarShare, Australia’s leading car-sharing platform owned by Uber, on the establishment of a discretionary mutual to protect exposures for borrowers and lenders to the car-sharing platform and advised on the impact of product design and distribution laws.
Acted for PICNIC Labs on their peer-to-peer insurtech model including Australian insurance regulation and the use of discretionary mutuals. We have acted for PICNIC on the launch of Our Ark Mutual – Australia’s first community based mutual supporting organisations in the religious, education, aged care and not-for-profit space to source risks.
Advised Zip Money on partnering with Cover Genius to offer product insurance for purchases made by customers using ZIP’s payment services including deferred sales model, hawking, design and distribution, financial services authorisations and privacy.
Advised KOBA Insurance, Australia’s first kilometre-based car insurance provider on their strategic alliance and authorised representative agreements, and all aspects of their go-to-market including website collateral, financial services guide and insurance documents, terms of business, privacy policy and terms of use.
Advised Open Insurance, an Australian and UK insurtech using APIs for the sale of the embedded insurance offers, on their partnering arrangements with Australian retailers including AHM and Telstra and financial services licensing and procurement arrangements.
Acts for CoinSpot, one of Australia’s largest cryptocurrency exchanges, since 2017 on a range of legal, corporate and regulatory matters.
Acted for Limepay in the establishment of a joint venture business with Domain Group and their pre-IPO convertible note issue.
Acted for BAC Insurance Brokers in a 50% sale of shares in the company to Steadfast Group Limited and separately for Westcourt General Insurance Brokers in the sale of their business to IAG Limited.

Brisbane
E:charmian.holmes@hamiltonlocke.com.au
T:+61 408 244 736

RELATED ARTICLES
Ctrl + Alt + Regulate – enhancing AI governance in Australia’s financial services sector
This is Us: Charmian Holmes
Legal 500 2025 Asia-Pacific guide ranks Hamilton Locke across multiple practice 

Extreme Right Is So Wrong. Duck Off Trump.

 Fascist Rising  GROK nose...

Beware The Second Coming...

Tuesday, March 18, 2025

An Oldie... BUT a Goodie! All the waaaay back from dinosaur time 31st March 2023...

260,851 views 31 Mar 2023 Win-Win with Liv Boeree

A deep dive into the game theory and exponential growth underlying our modern economic system, and how recent advancements in AI are poised to turn up the pressure on that system -- and our wider environment -- in ways we have never seen before. Not a conversation for the faint hearted, but crucial nonetheless. Daniel Schmachtenberger is a founding member of The Consilience Project, a research organization aimed at improving public sense-making around global catastrophic risks and technology. This conversation is the first episode of the Win-Win Podcast, which explores healthier ways to harness the power of competition.

ERNIE (is no longer "THE Fastest MILKMAN in The West...) RIP Benny.

 


Took The Chinese a few decades to Beat Good Ole Milkman Benny, 

but they FINALLY did! 

Meet ERNIE, 

the new and improved FASTER version 3.0

1/7 READ The THREAD : Ed Craven is An Aussie Creative Learner (now also a BILLIONAIRE @29)

 (Ed's billions have been built on GAMBLING... no judgment, but I do wonder what that MAY be revealing about HUMAN CHOICES of where their highly "disposable" incomes are prioritised...???) 

1% of the price... (let THAT sink in)

 

KISS BARRINGTON COAST


 

Monday, March 17, 2025

BLUE SKY JAY 🦋💙🦋

For those wondering,
 Jay’s shirt reads,
"mundus sine caesaribus,"
or
"a world without Caesars."
She's calling out Zuck so on point!

GOD,
I adore strong women. 
🦋 BLUE SKY 🦋
🔥BOLD WOMEN🔥


ONE STRONG
🦋 “FUCK OFF” 🦋
WOMAN
A Pure
Photogenic Beauty. 
🙏🔥🙏
#grace #gratitude 
#humour 

 

Boys & Their Toys

Musk vs Altman 

Stay tuned 

Artificial layers are on the legal war path 

Last weeks court decision is only round one.

Unsolicited take over bids for Sam’s Baby 

(led by a Musk consortium) 

A polite “no thank you” was Sam’s reply. 

So obviously to fund the NFP arm of OPEN AI 

“AI is better for all humanity kind” 

This was the 2015 founders mantra, (Sam & Elon as co founders of OPEN AI were METAPHORICALLY in bed together then) 

So now as OPEN AI moves towards an arm that is for profit, Elon gets his judicial cheque boom out and tries to block innovation at a competitor? (All the wile being tied up in trump pets bleeding bleating @DOGE…) 

Really Small Boys and Their Squabbling Billionaire Artificial Toys get tiring… 

Unfortunately 

The mass media love selling drama and chaos and crisis to the uncritical GPs (that’s general public) 

And undiscerning gps swallow the Tragic Medea hook, line and sink her… and that media Sir Cuss chaos becomes the breakfast table CHAT GPT and cock tale convo down at the country club happy clapping hour… and on the news cycle spins, relentless, unlistening, no depth, head lines, speed lines, hooks lines, sales of ads achieved buy Murdoch & marks meta et Al… 

(Because click bait and eye balls on ads pay wages)

That’s Every industry btw. 

SO CELEBRITY business stories always catch the head

Lines… 

And AI gets a bad wrap because of ignorance? 


LOOKING FORWARD TO

HUMAN LEARNING 

BEING PRIORITISED NOW 

AS A RESULT OF the speed of AI. 

There will soon be nowhere left to run or hide 

From the human responsibility of learning as life 

or fall further behind as old worlds perish. 

Whether we like it or not 

AI is hear

To stay.., 

human learners in innovative 

communities of practice 

Are already embracing the opportunities. 

Adopt and adapt with full autonomous response ability. 

And then there is DLT (not at all new) 

which is simply waiting in the wings to 

Show why it IS already far more significant 

TO HUMAN LEARNING 

Then even AI…. 

“THE FUTURE IS ALREADY HERE,

Just unevenly distributed” 

Some things never change 

How I live to love and embrace it all. 

#DYOR #MYOB

THANK YOU DAG DLT





Long Term Respect For What Ross Shares. AMPLIFY.

 

Just Ducking Off, Darling…. 🤣🦆

 Presence and openness. 

These are simply two sides 

of the same coin.


And these two sides of

One coin

Are who you already are. 


You do not have to do 

ANYTHING 

to be these two sides 

Openness yin 

Presence Yang

They two sides 

already are your one 

Unconditionally valued 

Birth rite. 

 

Presence is simply the end of resistance. 

Presence is simply the acceptance of what is. 

Presence is who you already are, NO effort, NO try. 


Presence is to be fully here 

with what is, 

ONE MOMENT PLEASE

THIS MOMENT PLEASED,


PRESENCE 

with what is, 

OPENNESS

with what is, 

whatever is reality is

One WHOLE TOTAL 

IN THIS ONE MOMENT

REAL energy arises. 


PRESENCE 

cannot be anywhere else. 

OPENNESS

cannot be anywhere else.  


Lack of presence 

is simply the mental 

attachment to the experience. 


But without that MIND 

attachment 

all there is is presence 

OF REALITY.


There REALLY 

cannot be anything else.

UNLESS YOU REMAIN CLOISTERED

UNLESS YOU REMAIN 

attached STUCK, 

attached DEPRESSED 

attached labelled MIND ATTACHED 

 

And openness, 

The one same presence coin 

Just the other side, 

Openness 

there cannot be anything else. 


We don't have to 

open and close and open and close. 

Your very Own true nature.

Is always there. 

Your own true nature 

Is simply unconditional. 

No mind attachments. 

No past or future. No mind Attachments. 

No where else to be. No mind Attachments. 

Live fully now. No mind attachments. 


Life is the same. 

One coin.

Two sides. 

Up & down

In & out

East & West

Left & right

North & South

Yin & Yang 

Abbot & Costello… 


One whole is the end of the argument, 

Your own wholly integrated 

True nature 

is the end of resistance to what is, 

And the continuation of 

Your own 

eternal infinite 

glow.  


One coin

Take a spin

Winner winner chicken dinner 

No matter what

You already are a life winner 

Everything else is just 

Attached mind none cents… 


Then once you STOP

spinning the one coin

What actually happens???


NOTHING HAPPENS

‘Cos you already are..   

enough is enough so 


Carry on mudda duckers..  

#quack #quack 


I must 

🦆🦆🦆🦆🦆

Off now…