Tag Archives: Interest

Rethinking Democracy

Recently questions were raised about the effectiveness of our system of governance and if there were a better way to run the country.
Some suggestions included allowing the youth ( under 25’s) to have a say in the direction of the country, another suggestion was having inexperienced committees of people have their say such as in ancient greek times, both terribly stupid ideas.
The youth and the uneducated are inexperienced and have no place in making such important decisions.
But rethinking democracy is a great thing to do because it is an ancient outdated system that we live by.

Changing the foundations of governance

We need to change the foundations of government and accept that there are certain things that we need to let go of or change in order for society to progress in the right direction.

Here is just 2 things that need to change in order for society to progress;

1. Usury/Interest has to go, the interest rate should be zero.
2. The legal system needs to change, the uncivilized such as murderers and rapists must be treated uncivilized, i.e introduce the death penalty, extradition, etc.

 

Usury/Interest

The necessity of Usury/interest is the biggest lie ever accepted by society. Be it religious belief or just straight economic intelligence the truth is that there is no need for interest. The fact that our money has the ability to earn by just sitting there is an unfair and unproductive truth, likewise paying back money that we did not borrow is another unfair and unproductive truth.

With interest money becomes a goal and not a currency. People want to have money but not spend money.
Without interest money is just a currency used to buy things of value. People would want to spend money because there would be no point in holding onto it.

Interest and money

If interest didn’t exist then people would have to use their money and turn it into real assets.
Without interest people would find it much harder to gain an unfair advantage over others.

Interest rates

People would not have to buy their houses on credit and spend their whole lives paying off the interest. They wouldn’t hold their breath waiting to see where the interest rates were heading.

International warefare

Countries and/or Banks could not hold other countries for randsom over their interest oweing.

 

The Legal System

15 years ago I could go to the city and shop without fear. I could go to any night-spot even alone and not feel threatened.

Today, I wont go to the city at night because I’m allergic to being stabbed or king-hit. Even families going out to dine in restaurants have been targetted and men have been beaten up in front of their wives and children.

Road-rage

Road-rage has risen and people have resorted to not only knocking each other out but pulling guns on each other.

Knife-attacks

The youth walk around picking fights but they don’t fight fair anymore, not like when I was young. Now the youth pull knives on everyone even for fun.

 

Public Executions

I’m all for harsh penalties for harsh crimes rather than harsh penalties for minor crimes ( which is what our system looks like right now ).
Whenever I bring up the topic of Public Executions or the Death Penalty everyone cries unfair and barbaric.

Firstly I’m sorry I want to take away your right to get away with murder and rape and secondly it is the people committing these crimes that are unfair and barbaric.
What we need to do is treat the uncivilized how they deserve to be treated.
Why should I feel bad about making the world a better place for my children and other law-abiding people?

 

The Naughty Children

When the under-aged commit crimes I believe that the parents should partake in the punishment as well. Parents need to control their children.
Take accountability for your children’s mistakes until they understand that they must be held accountable for their own actions.

Democracy?
So once we have abolished usury and put in place a just and wise legal system we will see much of our problems correct themselves.

But there is still so much more to fix such as;
The education system, The health system, etc.

 

INSOLVENCY, A quest for real substance

The reality of money

It is unfortunate that we exist in a time where numbers on a computer screen influence the physical world so much. Our world is one in which a person works hard only to receive a garnished salary in the form of credit which can be exchanged for necessary things.

But the credit system is not so bad, because whether it is numbers on a screen, paper notes or minted coins the idea of currency is required for us to properly trade.

Ordinary trade in which we exchange one thing for another thing doesn’t work for a few reasons; sometimes no one wants what you have to trade, or you want to trade and you have nothing to trade with, so an always available trading system needs to be in place and that is the purpose of currency.

Usury begets insolvency

Unfortunately we have all fell victim to the evil “U” word and been swindled out of our hard earned money. Sure we have some pleasant material things and try to keep our heads above water but why are we working so hard to make others so rich.

Most of us are or will become insolvent if we continue following the advice we have all been given. We will end up unable to pay our debts, left feeling inadequate and hopeless in the face of our inevitable poverty.

How did we get here?

From the shadows of despair we are left pondering how we could have avoided such a destructive lifestyle. The truth is that those who enforce and support the current banking system have directed us into this catastrophic end. So long as many benefit from interest dealings no one will agree on its removal.

We are each led by our desires and our collective greed is wholly responsible for our current condition. But the “how we got here?” is not important it’s the “how do we get out of here?” that we all need to focus on.

The business of money

There are things in life that we need such as food, clothing and shelter; in order to have these things we need to have money. Whether we want money or not we need it to get everything else therefore when we hold it in our hand we do not see money but instead we see the things we can buy with it.

People may think that having lots of money makes you wealthier than having lots of belongings because money holds it’s value longer. But the truth is that money only has value because we agree collectively on its value, you would not be able to trade money with someone who didn’t want any. But on the other hand real wealth is in possessions and people will always be willing to trade with something like; food, clothing, etc. All of the essentials that we have are more valuable than money.

The real power of money

Money does not only draw it’s value from being a currency to purchase goods and services, the real value of money lies in it’s ability to create more of itself through interest.

Due to it’s stand alone power, having money has become an end in itself with people wanting only to collect more and more of it. It is amazing that something used as a measure for trading has actually more value than that which it can be traded with.

The value of money is actually dependant on how precious we believe it to be, for example: people could all of a sudden stop trading with money rendering all of the money we hold worthless. BUT on the other hand ACTUAL goods such as food and metals will stay PRECIOUS to mankind as a whole.

It would be great if we could all just trade without money but such a system wont work on a greater scale and only works when both parties have something they want to trade with each other at the same time.

The truth is

Unfortunately there is absolutely no way that we can live without some sort of money system and the people that formed the banks know this and have used it against us all.

Ideally, money itself should serve no purpose except to be used as a measure in exchange for goods and services. This would leave money with no value at all, it would be obvious to see that the real valuable things are the goods and services and money is just a means by which we can exchange something for another thing. Money allows us to purchase something through a suspended trading system (rather than trading only when we have something to trade we can trade in advance with money).

Usury destroys the world

But it is not a perfect world and money has great value because it has been turned into a good. Because of interest, people can make money by lending money, or just by storing money in banks. They are making money out of thin air and doing nothing at all to earn it and that is why money is so valuable.

But if we take away interest, no one would be able to make money from nothing. Everyone would have to work for his or her own money and the harder we all worked the more money we would make.

Traditional money

Traditionally people would store their gold coins and valuables in exchange for paper money. In today’s world money is a number on a screen with no valuables such as gold to back it up. So theoretically if everyone all at once demanded to cash in the money they have in the bank, the banks will not have enough money to hand out as they have been lending us numbers on a screen and receiving real money back from us for the interest that we bare.

The usury suspect

The curse of interest, how do you convince everyone that interest is a bad thing when people are making a living off it? Will people willingly give up making money from nothing just so that other people do not have to pay interest? No way! Those already engulfed in the evil system do not care if they pay interest since they are gaining through it anyway. It is in their best interest to keep the system going.

The only way to convert an interest believing population is to set-up interest free loans and to have everyone stop paying interest on their debts. Everyone will be willing to stop earning interest on their assets and money so long as they never have to pay interest ever again.

So not only do the bankers want to keep the current system but so do so many people.

To change it will only happen if many are on board. There are small communities that have done it and we all should follow suite.

The credit system

The concept of money works just as well with credits on a computer screen. Credits still give you the means to do exactly what money lets you do.

Unfortunately bankers give credit to us for an extra-added interest price and receive our real hard earned money in return.

Minted money

Prior to paper money the proper currency was precious metals such as gold and silver that had been minted into coins by the church and crown. The limited amount of silver and gold kept the economy regular.

Usury was introduced and kept getting outlawed for good reason, but unfortunately it won out and remains here today.

The beginnings of lending

Money lending became a wealthy profession and by use of usury they continued to steal the wealth of others. Goldsmiths and those who owned strongboxes realized that they could charge people to protect their coins and valuables. They did so and issued them with credit notes so that the depositors had something they could trade with amongst themselves.

The goldsmiths knew that not all depositors would ask for their valuables back at once so they used to loan the valuables of their depositors to others for interest.

A complex problem requires a complex solution

As you can see the entire banking system is dependant on the ability of the richest people to make money out of thin air. There is no quick way to remove interest from the system (without getting assassinated that is).

The only hope we have is in the creation and spread of interest-free loans. The youth are our future and they must be educated about the ills of interest and the evolution of money.

To protect future generations from eminent insolvency our children must be educated about the truth of money. People must have a change of heart before they have a change of mind.

It is a complex problem, which needs a complex solution but we can all pitch in by spreading the knowledge that we know and never backing down in our war against usury.