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| Joined: | Mon Nov 21st, 2005 |
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I did not return to the work of translating and deciphering that link where money was explained; from a fraudulent legal monopoly perspective.
My reasoning for avoiding the expense of figuring out what is meant when someone communicates ideas and actions concerning that falsehood of legal crime (the money monopoly extortion racket) is a judgment call concerning possible benefit being low.
What can be learned from careful study of legal crime? Is the idea such that the study will teach someone how better to manipulate the system to advantage? That is where I have a problem. I know the system is built upon the practice of gaining power at the expense of weaker people.
The idea is not a systematic approach toward greater prosperity while avoiding any injury to innocent people.
Learning how to better “game the game” is not a case of “choosing the lesser of two evils”, rather, the decision to “join them” (when they can’t be beaten) is analogous to walking through the “valley of the shadow of death” and not fearing any evil, because the intent is to become the most evil “SOB” in the valley.
Why do any of that when sunlight is gracing prosperous valleys every day.
Why choose evil at all?
Having those reasons in mind: my answer to the convoluted “financial markets” lesson, where ignorant people are given the opportunity to understand the intricate exchanges of wealth within a legal extortion racket system, my mind returns to illustrations that offer bright sunlight instead of dark evil.
Think, if you can go along with me, about two new products offered by The State (or anyone can offer these illustrated products, at least the idea here is that The State does not out-law these products under consideration now); where one product allows mortgage holders (people who owe money to banks for their homes and their business properties) to pay less money (interest payments) to the legal extortion racket.
Product one is a no-interest mortgage replacement loan offered to those people who have already proven their credit worthy-ness.
The reader may contemplate the reasoning behind this illustration of “what can be” and the reader may be inclined to ask questions concerning the possible “unintended consequences” of having this type of product on the market. How would I ever know what the reader thinks?
The result will be a transfer of ownership from the legal criminals to the producers of wealth. That is the reasoning, and that is the intended consequence. The unintended consequence is that the legal criminals will then be required to work and produce valuable stuff for a living because their extortion income stream will dry up.
The reader is asked now to notice the complete absence of any reasoned challenge to that last statement. I’ve been around to various forums, and to various places, where authoritative “experts” in “financial markets” could (logically) offer a challenge to that last statement; but no such challenge has materialized.
Product two intends to accomplish the same thing (with the same obvious unintended consequences) where product two earns the producers of the two products an income. The producers of the two new products must have an income or the producers of the two new products will fail to earn the power required to stay in business. Is that not simple logic?
So product two will cost the borrowers a 1 percent interest charge for the use of money; and that is one of the legitimate reasons for charging interest.
How about some numbers, for the skeptics, as the idea of the two new products begin to sink into the World View of the potential reader’s mind?
This is the part where the mind can see better; because numbers are tools by which human beings increase their ability to perceive reality more accurately.
Product one can be seen as a number of people living in the U.S.A who turn in their current mortgages for the new product and that number can be represented as 100 million people.
Anyone can argue as to the actual number of people who are proven to be low risk borrowers (people with good credit) and argue about the number of people who will turn in their mortgages for no-interest mortgages. Why argue? What is very difficult to entertain, logically, is an idea where someone argues that no one, or few people, would turn down the offer to change their expensive mortgage for an inexpensive one, especially when considering the fact that a typical interest mortgage costs the consumer twice the cost of the home.
Here then is the choice (based upon a 100,000 dollar home):
A. The home cost 100,000 dollars (No-interest charge on the mortgage)
B. The home cost 200,000 dollars (Typical cost of interest added)
Therefore the idea here is to pick a number of home owners from the number of people living in the U.S.A. where this number of people stop paying mortgage interest; based upon 300 million people living in the U.S.A.
I picked 100 million because it is an easy number to use in the process of seeing how those big numbers work.
100 million people stop paying 100,000 dollars to the Bank Cartel (and don’t even tell me that those poor bankers need their income, the average “worker” at a bank doesn’t make a lot of money).
For a period of 30 years (the average mortgage time period) the number of people (100 million poeple) pay that much interest (100 thousand dollars worth of interest) and that is a simple multiplication of 100 million times 100 thousand or a 1 followed by 8 zeros and adding another 5 zeros.
100,000,000 x 100,000 = 10,000,000,000,000
The zeros add up to 13 zeros. That number is then 10 Trillion.
Look at that please. Does that boggle your mind?
Product one transfers 10 Trillion dollars from the legal criminals to the people who make that much wealth; and that is the unintended consequence. The intended consequence is to allow the people who create wealth to keep what they create, spend it, invest it, save it, or take a vacation and stop working so much.
Poor, poor, bankers, stand to lose 10 Trillion dollars in 30 years.
Which ones; which poor bankers? Not the average bank employee. The idea here is to allow the bank owners to make money on product number two; and we can go through the numbers on that too. Please consider challenging the numbers offered so far – if you are inclined toward skepticism.
100 million people stop paying twice for their homes in 30 years time.
100,000 dollars is the average home price for each of those 100 million people.
100 million is 1 and 8 zeros. 100 thousand is 1 and 5 zeros. 8 plus 5 is 13.
1,000 = Thousand
1,000,000 = Million
1,000,000,000 = Billion
1,000,000,000,000 = Trillion (12 zeros)
10,000,000,000,000 = 10 Trillion (13 zeros)
That is roughly half of each individual paying a 1,000 dollar mortgage payment each month. In other words the idea with product one is to cut the monthly mortgage payment for each mortgage holder down from 1,000 dollars a month (average) to 500 dollars a month or the option to pay the whole 100,000 dollar (average) home mortgage off sooner will allow each of those wealth creators to keep 1,000 per month earlier (10 years roughly instead of 30 years).
Those are very rough, average, numbers meant only to bring the perception into view with greater clarity. Numbers offer greater clarity of perception; legal criminals know this.
How much would it cost to process 100 million new loans? The answer is easy to see, in modern times, each person could accomplish the purchase of this new loan on-line. The process could cost no more than the cost of using a computer program hooked up to the network. There isn’t any need for a building in every city for the new provider of these new legal monetary products. Think about how easily all those mortgages are swapped in “modern times” as “bundles” of mortgages change hands in current “global” transactions.
“They” have “us” by the balls (or other sensitive parts) not because they are so smart, so capable of processing the complexity of modern finance, no, that is a huge part of the falsehood, “they” have “us” because they control our money.
The cost to do this, this product one and product two thing, is negligible compared to the scale of the profits that are possible with just one percent interest charged to the customers. Product one is used to gain market share (from the legal criminals to the morally lawful new bankers who are licensed to produce both products) and product two is the “bonanza” and the incentive to become a new banker; in competition with the old bankers.
Product two is like “the razor blades” and Product one is like “the razor” where the razor is given away so as to sell razor blades.
Product two is a one percent interest loan sold to the same credit worthy consumers who buy or produce power producing products like Modular Vertical Framing Green Houses, Solar Panels, Wind Generators, and Electric Cars (to name only 4 possible things on the list of things that fall into the category of things eligible for Product 2 loans).
The idea here isn’t to offer loans to anyone for anything. Credit worthy people can buy one percent interest loans for proven things that prove to be capable of producing more (or saving more) power.
The Solar Panel is a very good example of the type of thing that product 2 intends to produce, in much greater numbers. How about some numbers?
Take the same 100 million people and average the amount of money borrowed by each individual as an average of all the things that are on the list and I am going to pick 100,000 dollars as that average.
100 million people borrow an average of 100 thousand dollars to turn their homes into electric power producers with one electric car in each garage. Each borrower now has less monthly costs because they pay less for the loan payments per month than they currently pay for electricity and gasoline (not counting the cost of a new car). The percentage less per month for going Solar is more than 1 percent. In other words: if the current electric bill is 100 dollars per month the new loan payment will be about 80 dollars per month, it will be less, and that is why Solar Panel Installing is becoming profitable. That is because a Solar Panel makes more power than the Solar Panel costs to build it, assemble it, sell it, transport it, install it, and maintain it. The Solar Panel turns sunlight into usable electric power. The Solar Panel generates purchasing power.
The average savings for an electric car is currently 2 cents per mile compared to the average gasoline powered car being 10 cents per mile so that too is a net reduction in monthly costs; and here things can be more confusing than necessary (when is it a good time to upgrade your car?).
Product two saves each consumer about (rough average) 10 percent less cost per month even when 1 percent of that savings is sent to the new bank as a cost for borrowing Product two.
So far the consumer of products 1 and 2 have reduced their monthly cost of living down to 500 dollars per month from 1000 dollar per month; and product two reduces that cost of living even further.
If the average monthly electric and gasoline cost per month is 200 dollars the idea here is to know that the consumer of product 1 and product 2 no longer pay any electric bills and no longer pay any gasoline bills, and instead of those costs the new home power producer only pays about 500 dollars per month to pay for the product 2 loan. Now the reader is going to ask why anyone would pay 300 more per month for this raw deal; to which I have to ask if the reader has been paying attention.
Product 1 cut the monthly cost of living down by 500 and product 2 increases the monthly cost of living by 300. That is a net reduction in cost of living by 200 dollars per month right now. What is not seen in this viewpoint of today is tomorrow. The 100 thousand dollar loan at 0 percent interest, at 500 dollars per month, is paid off in how many years?
Divide 100,000 by 500 and then divide that by 12 to find the number of years the consumer will pay for the average Product 1 and the average Product 2 loan. I get: 16.7 years.
So product 1, seen from a long term perspective, results in no mortgage payment after 16.7 years compared to the current debt based criminal extortion racket loan monkey business where the mortgagee pays 1000 dollars per month for 30 years (11.7 percent).
At this point the reader may challenge the average 11.7 interest rate by letting me know that the current interest rate is 6 or even 5 percent on home mortgages. That is not true when the reader understands that the extortion racket criminals “inflate” or “deflate” the money supply at will to cause “higher prices” and “lower prices” during that self-made, man-made, criminal “business cycle” where the “insiders” know when to trade, when to sell (at the top) and when to buy (at the bottom).
The current interest rate, in the current extortion racket money business, must be adjusted for inflation to have any meaning whatsoever. The current interest rate is currently less than the average over time. My expose here, this illustration, intends to employ averages so as to allow the reader to conceive of a “global” perspective.
Would the reader prefer a no interest mortgage or a mortgage that requires the reader to pay the bank twice the value of the home over time? That is the “big picture” choice.
Here is an average of “interest rates” over time:
From here:
http://mortgage-x.com/trends.htm
The idea here is to see the big picture. The home owner will be paying less per month if the interest rate goes from 11 to 0 or if the interest rate goes for 5.24 to 0. The unintended consequence of the banking frauds having their income stream dry up is also the end of the “business cycle” so the need to “adjust for inflation” is no longer a “trade secret” operated by the “insiders” who do their “insider trading” stuff.
Back to the 16.7 years that it will take to pay off the Solar Panel and the Electric Car loan, at 500 dollars per month (and that is based upon 100,000 dollars spent on the Solar Panel System and the Electric Car which is a high estimate now and those prices are going lower due to advances in economic efficiency) we can now look again at the long term benefits.
Current Extortion Racket Victim-----------------New Banking Customer
1000 per month for 30 years--------------------500 per month for 16.7 years
200 per month gasoline/electric bill-------------500 per month for 16.7 years
1200 per month cost of living------------------1000 per month cost of living
That is the first 16.7 years.
What about the next 10 years; where the Solar Panels are still making electricity (guaranteed for 25 years).
Current Extortion Racket Victim-----------------New Banking Customer
1000 per month for at least 10 more years-----No mortgage payment
200 per month gasoline/electric bill-------------No cost
The reader can challenge me on the electric car wearing out before the 16.7 years are up; but what happens to the Current Extortion Racket Victims car? I didn’t count any loan payments on any gasoline car because the assumption is that an Electric Car is an investment that earns back the cost of gasoline over time. The gasoline car “investment” is a case of the consumer buying the razor blade (at a high price) so as to allow the consumer to buy the gasoline (at a price that can get very high).
Moving, at last, onto the big numbers showing the “profit” to the New Bankers; we can look at the same (rough estimate) of 100 million people borrowing 100 thousand dollars at 1 percent interest for the Solar Panel and the Electric Car investment.
How much money goes to the New Bankers so that the New Bankers can run their on-line banking business (where they trade numbers on digital accounts just like the other bankers do).
10 Trillion (already calculated for the 100 million people and the 100 thousand dollar loans) is interest earning principle – from the banks perspective. What is 1 percent of 10 Trillion? Take away two decimal places; which is 11 instead of 13 zeros?
100,000,000,000
That is 100 Billion flowing from the Sun, to the electric power grid, and back to the New Bank as a portion of the new power created by Product 2. Is 100 Billion dollars enough to cover the cost of the New Bank for the supply and maintenance of products 1 and 2?
How much per year?
I get 5,988,023,952
That is almost 6 Billion per year to run the New Banking business if the “government” (of the people, by the people, and for the people, not of the fraudulent criminal bankers, by the fraudulent criminal bankers, and for the fraudulent criminal bankers) gives a license to someone, anyone, or any group of people, who can supply something similar to Product 1 and Product 2.
The idea here is to show how competition is supposed to work. Competition is supposed to force suppliers into offering higher quality stuff at lower costs – and that is how it works in competitive reality. In competitive reality quality goes up as costs go down for the consumer.
Who doesn’t consume?
Who doesn’t produce that which we consume?
Who are the legal criminals?
You don’t know yet?
Last edited on Mon Jun 8th, 2009 03:17 pm by Joe Kelley