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dre4dwolf
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« on: January 21, 2011, 11:28:09 PM » |
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Important Banking Laws: U.C.C. Codes----------------------------------------------------------------------------
A UCC Article 1 Section 1 - 201 GENERAL DEFINITIONS AND PRINCIPLES OF INTERPRETATION
B UCC Article 2 Section 2 - 609 Right to Adequate Assurance of Performance
C UCC Article 3 Section 3 - 104 NEGOTIABLE INSTRUMENT
D UCC Article 3 Section 3 - 204 INDORSEMENT
E UCC Article 3 Section 3 - 302 HOLDER IN DUE COURSE
F UCC Article 3 Section 3 - 203 TRANSFER OF INSTRUMENT RIGHTS ACQUIRED BY TRANSFER
G UCC Article 3 Section 3 - 303 VALUE AND CONSIDERATION
H UCC Article 3 Section 3 - 305 DEFENSES AND CLAIMS IN RECOUPMENT
I UCC Article 3 Section 3 - 308 PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE
J UCC Article 3 Section 3 - 407 ALTERATION
K UCC Article 3 Section 3 - 602 PAYMENT
L UCC Article 3 Section 3 - 603 TENDER OF PAYMENT
M UCC Article 9 Section 9 - 105 CONTROL OF ELECTRONIC CHATTEL PAPER
N UCC Article 9 Section 9 - 107 CONTROL OF LETTER-OF-CREDIT RIGHT
U.S. CODES----------------------------------------------------------------------------
O U.S. CODE Title 5 Section 556 Hearings
P U.S. CODE Title 12 Section 1831n GAAP Required for Banks
Q U.S. CODE Title 12 Section 2601 Disclosure
R U.S. CODE Title 12 Section 2605(e) Dispute a Claim of Debt
S U.S. CODE Title 15 Section 1601 Fair Debt Collection Practices
T U.S. CODE Title 15 Section 1692 Fair Debt Collection Practices
Important Quotes on the Banking System: The Bankers Manifesto of 1892
Revealed by us congressman Charles A. Linberg, SR from Minnesota before the US Congress sometime during his term of office between the years of 1907 and 1917 to warn the citizens.
“We (the bankers) must proceed with caution and guard every move made, for the lower order of people are already showing signs of restless commotion. Prudence will therefore show a policy of apparently yielding to the popular will until our plans are so far consummated that we can declare our designs without fear of any organized resistance.
The Farmers Alliance and Knights of Labor organizations in the United States should be carefully watched by our trusted men, and we must take immediate steps to control these organizations in our interest or disrupt them.
At the coming Omaha Convention to be held July 4th (1892), our men must attend and direct its movement, or else there will be set on foot such antagonism to our designs as may require force to overcome. This at the present time would be premature. We are not yet ready for such a crisis. Capital must protect itself in every possible manner through combination ( conspiracy) and legislation.
The courts must be called to our aid, debts must be collected, bonds and mortgages foreclosed as rapidly as possible.
When through the process of the law, the common people have lost their homes, they will be more tractable and easily governed through the influence of the strong arm of the government applied to a central power of imperial wealth under the control of the leading financiers. People without homes will not quarrel with their leaders.
History repeats itself in regular cycles. This truth is well known among our principal men who are engaged in forming an imperialism of the world. While they are doing this, the people must be kept in a state of political antagonism.
The question of tariff reform must be urged through the organization known as the Democratic Party, and the question of protection with the reciprocity must be forced to view through the Republican Party.
By thus dividing voters, we can get them to expand their energies in fighting over questions of no importance to us, except as teachers to the common herd. Thus, by discrete action, we can secure all that has been so generously planned and successfully accomplished.”
More Quotes: "Each and every time a bank makes a loan, new bank credit is created - new deposits- brand new money."
- Graham F. Towers, Governor, Bank of Canada, 1934 - 54
"The process by which banks create money is so simple that the mind is repelled"
- John Kenneth Galbraith Economist
"Permit me to issue and control the money of a nation, and I care not who makes its laws."
-Mayer Anselm Rothschild Banker
"Everyone sub-consciously knows banks do not lend money. When you draw on your savings account the bank doesn't ever tell you that you can't do this because it has lent the money to somebody else"
- Mark Wambold, economist and author and author
"I am afraid that the ordinary citizen will not like to be told that banks can and do create money, and they who control the credit of the nation direct the policy of Governments and hold in the hollow of their hands the destiny of the people."
-Reginald McKenna past chairman of the board, Midlands bank of England
"Thus our national circulating medium is not at the mercy of loan transactions of banks, which lend, not money, but promises to supply money they do not possess"
-Irving Fisher, economist and author
"Thisis what our money system is. If there were no debts in our money system, there wouldn't be any money."
- Marriner Stoddard. Eccles Chairman and Governor of the Federal Reserve board
"This is a staggering thought, We are completely dependant on the Commercial Banks. Someone has to borrow every dollar we have in circulation, cash or credit. If banks create ample synthetic money, we are prosperous, if not we starve.
We are, absolutely, without a permenant money system. When on gets a complete grasp of the picture, the tragic absurdity of our hopeless position is almost incredible, but there it is..."
- Robert H. Hemphill, credit manager Federal Reserve Bank, Atlanta, Georgia
"One thing to realize about our fractional reserve banking system is that, like a child's game of musical chairs, as long as the music is plaing there are no losers."
-Andrew Gause, Monetary Historian
With Regards to exponential growth if discussed, (Actual exponential growth in goods and services cannot match the exponential growth required upon it to meet the exponential increases in the money supply)
"The greatest shortcoming of the human race is our inability to understand the exponential function."
-Alber A. Bartlett, physcist
"Anyone who believes exponential growth can go on forever in a finite world is either a madman or an economist." - Kenneth Boulding, economist.
"Money is a new form of slavery, and distinguishable from the old simply by the fact that it is impersonal, there is no human relation between master and slave."
- Leo Tolsloy novel author of War and Peace.
"I am a most unhappy man. I have unwittingly ruined my country. A great industrial nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the nation, therefore, and all our activities are in the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the civilized world, no longer a Government by free opinion, no longer a Government by conviction and the vote of majority but a Government by the opinion and duress of a small group of dominant men.
-Woodrow Wilson, PRESIDENT OF THE UNITED STATES 1913 - 1921
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dre4dwolf
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« Reply #1 on: January 21, 2011, 11:34:14 PM » |
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I would like to state, the only way to get our freedom back, I believe is to... learn the system, use the system, fight the system, cause the system to fail. You need to learn Contract Law. You need to learn the principles of Negotiable Instruments. And you need to learn, that you, me and everyone else are the TRUE CREDITORS TO EVERY BANK, THEY NEED YOU TO MAKE THE MONEY FOR THEM. EVERY LOAN/MORTGAGE IS FRAUD. Enjoy, I hope this post helps people obtain freedom.... I really was thinking about not sharing all this in one post, because if people connect the dots, the entire system just falls apart.... but I am not too attached to the current system... I can't stand back and watch some imaginary legal fiction take over the world.............. O I wanted to add one more quote from someone who allegedly worked for a bank, The original question that was asked : "why does the bank stamp the back of a mortgage promissory note with "pay to the order of.... without recourse"... ?the answer in simple terms is that the Note is a Check from the "borrower" to the "bank" and it is deposited in the borrowers transaction account (this is how new money is created for the purpose of "lending". Here is the quote: When you handed the note back to the bank, it made its way up the ranks, until it reached my department. In my department, we stamped at least 125-130 of these per day. Then we would make a deposit to a special account where the value of the note was created by computer entry. Think of it like writing a check to the bank, except the bank keeps the money and doesn't tell you. At this point, you just paid the bank the value of the note.
Then it made its way to my desk, where I did 2 things:
First, if it was a mortgage (and most were), the property is required by law to be free of all liens and encumberances before it can be sold. So, I personally had to write a check to a legal trust controlled by our legal dept, BACKED BY YOUR PROMISSORY NOTE, and the legal dept used that money to remove all prior liens to get around the law.
Second, I had to make some computer entries so you can get your money. The entries I made alerted the Federal Reserve that new "credit" had just been created. So, we gave them the promissory note in exchange for your money, which you thought was a loan. Someone from my dept wired the money to your local branch and a check was written to you. You walk away thinking the bank was gracious enough to loan you their money. It was actually your money all along.
So, to answer the question if the stamp changes the loan agreement. No, it doesn't change the actual agreement. What it does is, it proves they commited fraud by concealing this transaction from the agreement. Multiple frauds are commited on each transaction, except if you tried to do that, you would go to jail.
Now, in response to the previous answer. That was just laughable. The stamp on the note is a deposit stamp, which means it was transferred from the borrower to the bank, not from one bank to another. Yes, banks do sell notes, but to make this gentleman think that stamp is proof of sale, is just outright laughable. I did this every day for 15 years, so I have no interest in concealing this information anymore. |
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dre4dwolf
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« Reply #2 on: January 21, 2011, 11:54:14 PM » |
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(the damn modify button doesn't work) anyway Just wanted to add this quote House Joint Resolution 192 of 1933 On June 5, 1933, Congress passed House Joint Resolution (HJR 192). HJR 192 was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then no one in America has been able to lawfully pay a debt. This resolution declared:
"To assure uniform value to the coins and currencies of the Unites States,
Whereas the holding of or dealing in gold affect public interest, and are therefore subject to proper regulation and restriction; and
Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount in money of the United States measured thereby, obstruct the power of the Congress to regulate the value of the money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in the payment of debts,
Now, therefore, be it Resolved by the Senate and House of t Representative of the United States of America in Congress assembled, that
(a) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payments in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is herby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.
(b) As used in this resolution, the term 'obligation' means any obligation (including every obligation of and to the United States, excepting currency) payable in money of the United States; and the term 'coin or currency' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.
Sec. 2 The last sentence of paragraph (1) of subsection (b) of section 43 of the Act entitled 'An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and of other purposes;, approved May 12, 1933, is amended to read as follows:
"All coins and currencies of the United Stated (including Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations) heretofore or hereafter coined or issued, shall be legal tender for all debts, public and private, public charges, taxes, duties, and dues, except that gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight.'
Approved, June 5, 1933, 4:40 p.m. 31 U.S.C.A. 462, 463
House Joint Resolution 192, 73d Congress, Sess. I, Ch. 48, June 5, 1933 (Public Law No. 10 )
We currently have no Lawful money, and it is impossible to pay a debt legally, I think they worked around this with the "trading with the enemy act"... but I have not personally read that entire act so I can not speak for it, also there are rumors that Federal Reserve Notes are classified somewhere as illegal contraband. Warning, the following information has been found by me to be true, I have seen enough about the system, I have talked to enough bankers, lawyers, Judges.... to know its true... do not research it unless you feel like going crazy for the next 4 to 6 months.... all you have to do is Google / Bing the term "Strawman".... in the sense of a Legal Fiction. After you research all of this, you should become aware that you are not you, you are you but your not who you think you are, research the term "strawman" and you will dive into a rabbit hole so deep, that it will drive you nuts for months. I can't say anymore because if I explain it too much the entire economy will collapse overnight if too many people come to a full realization.... I don't want that kind of rapid destruction on my conscience. If you choose not to believe this, than don't just continue living a lie, it matters to me none... to each his own. |
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dre4dwolf
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« Reply #3 on: January 25, 2011, 11:45:20 PM » |
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dre4dwolf
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« Reply #5 on: January 26, 2011, 10:59:11 AM » |
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Thanks man. I briefly checked in on this a few months ago. Also, the sovereign citizen thing too. Its just sooo much info it will make your head spin!   It's pretty simple once you get your head around it. 1) There is no legal money Reason(s): Constitutional money = Gold and Silver Federal Reserve Notes have had their value shredded, and through an amendment to the USC (I think 411) they have "no redeemable value". All money is DEBT, all DEBT is money, so pretty much we are operating under commerce where only credit is exchanged... think about it like this.. you work for a pay check and you redeem your paycheck for a bank liability (credit) on an account. Thats not money, thats an IOU or a promiss to pay money, the law is very specific when it comes to money. Credit =/= Money, but it is USED LIKE MONEY in our society. All debts must be "forgiven" and "discharged" as per House Joint Resolution 192 of 1933. What this amounts to is the simple fact that 97% of money in circulation is only "on the books" it doesn't "exist" it only exists in "bank liability" which means the bank OWES 97% of the "Money" in circulation that doesn't exist. When you "deposit" your CASH to a bank, you are giving the bank free money "a loan", the bank in return CREDITS your account with BANK CREDITS (a bank LIABILITY) this shows the bank owes you. So when it comes down to it, IOU'S = MONEY = DEBT and Visa Versa. IOUS= MONEY INCARNATE in our system, so Promissory Notes (like for mortgages/credit card loans etc.) ARE MONEY, so YOU FUNDED THE "Loans" to yourself (New Money is created). Since NEW MONEY is created, there is NO BANK RISK (well very little) because the banks are already leveraged so much, (Ie: they have 1 cash dollar and have 100 that don't even exist)... a fair amount to pay a bank for a loan is the full amount of the reserve requirement for the loan (usually 1/10th or nowadays like 2 - 3%... some banks don't even have a reserve requirement!!).... NOT THE PRINCIPAL + INTEREST. Because thats like depositing 100$ and being forced to pay 200 $ to take it out and spend it. Banks risk nothing in credit cards/mortgage loans (its all BS on TV) what they did was they leveraged YOUR MONEY, and SOLD it numerous times to investors... (most often the government) and they rip off the investors. When you go take out a loan the proof that they do all this is that they stamp the Promissory Note with a deposit stamp (like a check) and record it as an asset (deposit) and they also record a bank liability to you. Its actually illegal for them to do this (its securities fraud)... but they doit anyway because its "bank policy". They doit because its more profitable than actually lending out Real Money... so it creates economics similar to stealing 100$ from John for the purpose of lending 100$ back to John. They don't disclose this in the agreement so there is Fraud in Factum and Fraud in the Inducement (also the contracts lack consideration on the banks part, and there was no honest full disclosure...) this Violates the principles of a legal contract, thus it makes all mortgages ILLEGAL, NULL, AND VOID. When you look into the "free man stuff" they are just researching COMMERCIAL POWERS of individuals, banks take PRIVATE MONEY, and EXCHANGE it to PUBLIC MONEY... (bank liability) credit. Since all transactions are done in "credit", these are COMMERCIAL exchanges... this means we have MANY COMMERCIAL POWERS under the UCC LAW... because WE INDEED ARE THE CREDITORS FOR EVERY TRANSACTION, YOUR COMMERCIAL ENERGY CREATES THE FUNDS FOR EVERYTHING YOU CHARGE. You have the POWER TO CHARGE, AND THE POWER TO DISCHARGE through your unlimited COMMERCIAL LIABILITY (Fancy for saying you have the unlimited ability to contract or make contracts). So in essence all MONEY is DEBT and ALL BANK CREDIT (we spend more of this than we do actual money) is CREDIT, CREDIT = PROOF OF A DEBT = A CONTRACT. CONTRACTS HAVE VALUE AS MONEY, YOU CAN TURN ANY CONTRACT INTO MONEY = TO ITS FACE VALUE. A statement is A CONTRACT, you can turn a monthly STATEMENT FOR A CREDIT CARD INTO A CONTRACT THROUGH AN ACCEPTANCE FOR VALUE....with the proper indorsements... A Statement is just a piece of paper from the credit card company TELLING YOU THEY TOOK THE MONEY, ITS A STATEMENT OF HOW MUCH OF YOUR MONEY THEY SPENT ON YOUR BEHALF, because just like with the promissory note THEY MONETIZED YOUR CREDIT APPLICATION. This is why every-time someone swipes a credit card/takes out a home loan... the National Debt Jumps up a few points. By Doing and ACCEPTANCE you CREATE A COUNTER OFFER, the COUNTER OFFER MUST EITHER BE ACCEPTED OR RETURNED TO YOU, (keeping the Contract is an Acceptance) IE: the CONTRACT IS NOW ESSENTIALLY an MONEY ORDER, for MORE PRIVATE CREDIT. When you normally pay a Credit Card Bill you are actually being tricked into PAYING THEM TWICE, once through your commercial liability (the asset they stole from you) and the Money they Extort from you. I don't want to get into it too much, because if to-many people figure it out, the entire national debt will be wiped out and we will have no money in circulation and the end of the world will happen as we know it... but I have used this knowledge to personally DISCHARGE debts successfully.... it is LEGAL 100% and it DOES WORK... I didn't pay for no fancy programs... I just figured it out for myself... (6 months of studying negotiable instruments/commercial law/banking system)... the only thing that is ILLEGAL to do with this stuff is to make outright purchases on the spot with a contract.... you have to wait for the debt to exist and "cure" before it can be "discharged". Anyone who tells you otherwise, or that the above statements are wrong ... just hasn't studied this stuff enough. |
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dre4dwolf
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« Reply #6 on: January 26, 2011, 11:26:25 AM » |
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Ps: this is probably the best Kept Secret of our modern times... this is how they enslaved the entire world, a few mega rich elite assholes just sit at home trading our debt for profit (forex/monex/comex) making millions, doing nothing (they do nothing but sit home and watch a computer trade money for them)... while the rest of society goes and labors and produces goods. So you have the elite: Make money using our money to make more money by buying different types of money (trading money like a commodity) and you have the rest of us, slaving away for worthless paper to supply money for the elite to play their "money game". Theres already only two classes in this world, the money masters and the money creators/slaves. ... I should write a book titled "How the Money Masters Stole the World while you where sleeping" hahaha... cause thats what happened.....  None of this is conspiracy or theory, its all true more or less to the degree of accuracy I can explain it. Its hard to simplify this stuff to the point where anyone can instantly see how they have been defrauded their entire life... but I think I did a pretty good job of simplifying it. If you read all the information / clues / banking publications... you will come to the same conclusion. PS2: The IRS is pretty much setup to just pay TRIBUTE to the ROYAL BRITISH FAMILIES, really none of our "taxes" goes towards anything you me or the public will enjoy as a "benefit". The IRS is a CRIMINAL ORGANIZATION, IT EVEN SELF INCRIMINATES ITSELF, BUT THE COURTS/GOVT have a DEBT OBLIGATION to foreign BANKING INTERESTS that it has to take care of, IE it cares more about making its OWNERS rich while FLEECING all of us. Whatever programs the Government puts up for "public benefit" is pretty much just designed to keep the slave machine working... people need food, shelter, energy to Work and continue to Generate REVENUE for the GOVT. Believe me, if they could create a robot army of workers/slaves to kill us and replace us... they would doit.... and they are trying to get to that point. Essentially, they want a world where they control Everything and earn 90% on every dollar produced/earned... atm they "earning" or "stealing" about 40 to 60 cents out of every dollar we earn.... its hard to tell because I am not an economist... but I have taken intermediate economics and higher level accounting... and they don't teach this stuff in school...(maybe in the higher up colleges/Yale/Harvard/w/e) That equates to stealing labor, or... SLAVERY. But its not percieved by the public to be SLAVERY because they are not aware of the system, essentially we are all in the matrix... and when you know what the ELITE know... you become like a mini NEO... "the one who bends the rules". |
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dre4dwolf
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« Reply #7 on: January 26, 2011, 09:10:16 PM » |
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If the American people ever allow private banks to control the issue of their money, first by inflation and then by deflation, the banks and corporations that will grow up around them (around the banks), will deprive the people of their property until their children will wake up homeless on the continent their fathers conquered. - Thomas Jefferson
Americans, living in what is called the richest nation on earth, seem always to be short of money. Wives are working in unprecedented numbers, husbands hope for overtime hours to earn more, or take part-time jobs evenings and weekends, children look for odd jobs for spending money, the family debt climbs higher, and psychologists say one of the biggest causes of family quarrels and breakups is "arguments over money." Much of this trouble can be traced to our present "debt-money" system.
Too few Americans realize why the Founding Fathers wrote into Article I of the U.S. Constitution:
Congress shall have the Power to Coin Money and Regulate the Value Thereof.
They did this, as we will show, in the expectation that it would prevent "love of money" from destroying the Republic they had founded. We shall see how subversion of Article I has brought on us this perversion of the Constitution.
Money is Man's Only "Creation"
Economists use the term "create" when speaking of the process by which money comes into existence. Creation means making something that did not exist before. Lumbermen make boards from trees, workers build houses from lumber, and factories manufacture automobiles from metal, glass and other materials. But in all these they did not "create," they only changed existing materials into a more usable and, therefore, more valuable form. This is not so with money. Here, and here alone, man actually "creates" something out of nothing. A piece of paper of little value is printed so that it is worth a piece of lumber. With different figures it can buy the automobile or even the house. Its value has been "created" in the true meaning of the word.
Money "Creating" Profitable
Clearly, money is very cheap to make, and whoever does the "creating" of money in a nation can make a tremendous profit! Builders work hard to make a profit of 5% above their cost to build a house.
Auto makers sell their cars for 1% to 2% above the cost of manufacture and it is considered good business. But money "manufacturers" have no limit on their profits, since a few cents will print a $1 bill or a $10,000 bill. That profit is part of our story.
But first let us consider another unique characteristic of money.
Adequate Money Supply Needed
An adequate supply of money is indispensable to civilized society. We could forego many other things, but without money industry would grind to a halt, farms would become only self-sustaining units, surplus food would disappear, jobs requiring the work of more than one man or one family would remain undone, shipping and large movements of goods would cease, hungry people would plunder and kill to remain alive, and all government except family or tribe would cease to function.
An overstatement, you say? Not at all! Money is the blood of civilized society, the means of all commercial trade except simple barter. It is the measure and the instrument by which one product is sold and another purchased. Remove money or even reduce the supply below that which is necessary to carry on current levels of trade, and the results are catastrophic. For an example, we need only look at America's Depression of the early 1930's.
The Bankers Depression of the 1930's
In 1930 America did not lack industrial capacity, fertile farmland, skilled and willing workers or industrious farm families. It had an extensive and highly efficient transportation system in railroads, road networks, and inland and ocean waterways. Communications between regions and localities were the best in the world, utilizing telephone, teletype, radio, and a well-operated government mail system. No war had ravaged the cities or the countryside, no pestilence weakened the population, nor had famine stalked the land. The United States of America in 1930 lacked only one thing: an adequate supply of money to carry on trade and commerce.
In the early 1930's, Bankers, the only source of new money and credit, deliberately refused loans to industries, stores and farms. Payments on existing loans were required however, and money rapidly disappeared from circulation. Goods were available to be purchased, jobs waiting to be done, but the lack of money brought the nation to a standstill. By this simple ploy America was put in a "depression" and the greedy Bankers took possession of hundreds of thousands of farms, homes, and business properties. The people were told, "times are hard," and "money is short." Not understanding the system, they were cruelly robbed of their earnings, their savings, and their property.
Money for Peace? No! Money for War? Yes!
World War II ended the "depression." The same Bankers who in the early 30's had no loans for peacetime houses, food and clothing, suddenly had unlimited billions to lend for Army barracks, K-rations and uniforms! A nation that in 1934 couldn't produce food for sale suddenly could produce bombs to send free to Germany and Japan!
With the sudden increase in money, people were hired, farms sold their produce, factories went to two shifts, mines re-opened, and "The Great Depression" was over! Some politicians were blamed for it and others took credit for ending it. The truth is the lack of money, caused by the Bankers, brought on the depression, and adequate money ended it. The people were never told that simple truth and in this article we will endeavor to show how these same Bankers who control our money and credit have used their control to plunder America and place us in bondage.
Power to Coin and Regulate Money
When we can see the disastrous' results of an artificially created shortage of money, we can better understand why our Founding Fathers, who understood both money and God's Laws, insisted on placing the power to "create" money and the power to control it ONLY in the hands of the Federal Congress. They believed that ALL citizens should share in the profits of its "creation" and therefore the national government must be the ONLY creator of money. They further believed that ALL citizens, of whatever State or Territory, or station in life would benefit by an adequate and stable currency and therefore, the national government must also be, by law, the ONLY controller of the value of money.
Since the Federal Congress was the only legislative body subject to all the citizens at the ballot box, it was, to their minds, the only safe depository of so much profit and so much power. They wrote it out in the simple, but all-inclusive: "Congress shall have the Power to Coin Money and Regulate the Value Thereof."
How the People Lost Control
to the Federal Reserve
Instead of the constitutional method of creating our money and putting it into circulation, we now have an entirely unconstitutional system. This has resulted in almost disastrous conditions.
Since our money was handled both legally and illegally before 1913, we shall consider only the years following 1913, since from that year on, ALL of our money has been created and issued by an illegal method that will eventually destroy the United States if it is not changed. Prior to 1913, America was a prosperous, powerful, and growing nation, at peace with its neighbors and the envy of the world. But -- in December of 1913, Congress, with many members away for the Christmas holidays, passed what has since been known as the FEDERAL RESERVE ACT. (For the full story of how this infamous legislation was forced through our Congress, read Conquest or Consent, by W. B. Uennard). Omitting the burdensome details, it simply authorized the establishment of a Federal Reserve Corporation, with a Board of Directors (The Federal Reserve Board) to run it, and the United States was divided into 12 Federal Reserve "Districts."
This simple, but terrible, law completely removed from Congress the right to "create" money or to have any control over its "creation," and gave that function to the Federal Reserve Corporation. This was done with appropriate fanfare and propaganda that this would "remove money from politics" (they didn't say "and therefore from the people's control") and prevent "Boom and Bust" from hurting our citizens. The people were not told then, and most still do not know today, that the Federal Reserve Corporation is a private corporation controlled by bankers and therefore is operated for the financial gain of the bankers over the people rather than for the good of the people. The word "Federal" was used only to deceive the people.
More Disastrous Than Pearl Harbor or 9/11
Since that "day of infamy," more disastrous to us than Pearl Harbor, the small group of "privileged" people who lend us "our" money have accrued to themselves all of the profits of printing our money -- and more! Since 1913 they have "created" tens of billions of dollars in money and credit, which, as their own personal property, they then lend to our government and our people at interest. "The rich get richer and the poor get poorer" had become the secret policy of our National Government. An example of the process of "creation" and its conversion to people's "debt" will aid our understanding.
They Print It --
We Borrow It and Pay Them Interest
We shall start with the need for money. The Federal Government, having spent more than it has taken from its citizens in taxes, needs, for the sake of illustration, $1,000,000,000. Since it does not have the money, and Congress has given away its authority to "create" it, the Government must go the the "creators" for the $1 billion. But, the Federal Reserve, a private corporation, doesn't just give its money away! The Bankers are willing to deliver $1,000,000,000 in money or credit to the Federal Government in exchange for the Government's agreement to pay it back -- with interest! So Congress authorizes the Treasury Department to print $1,000,000,000 in U.S. Bonds, which are then delivered to the Federal Reserve Bankers.
The Federal Reserve then pays the cost of printing the $1,000,000,000 (about $1,000) and makes the exchange. The Government then uses the money to pay its obligations. What are the results of this fantastic transaction? Well, $1 billion in Government bills are paid all right, but the Government has now indebted the people to the Bankers for $1 billion on which the people must pay interest! Tens of thousands of such transactions have taken place since 1913 so that by the 1980's, the U.S. Government is indebted to the Bankers for over $1,000,000,000,000 (trillion) on which the people pay over $100 billion a year in interest alone with no hope of ever paying off the principal. In 1995, the total Federal Debt has grown to over $5 trillion, with an annual interest payment of $203 billion, 14% of the federal budget. Supposedly our children and following generations will pay forever and forever!
And There's More
You say, "This is terrible!" Yes, it is, but we have shown only part of the sordid story. Under this illegal system, those United States Bonds have now become "assets" of the Banks in the Reserve System which they then use as "reserves" to "create" more "credit" to lend. Current "reserve" requirements allow them to use that $1 billion in bonds to "create" as much as $15 billion in new "credit" to lend to states, municipalities, individuals and businesses. Added to the original $1 billion, they could have $16 billion of "created credit" out in loans paying them interest with their only cost being $1,000 for printing the origina1 $1 billion! Since the U.S. Congress has not issued Constitutional money since 1863, in order for the people to have money to carry on trade and commerce they are forced to borrow the "created credit" of the Monopoly bankers and pay them usurious rates of interest!
And There's Still More
In addition to the vast wealth drawn to them through this almost unlimited usury, the Bankers who control the money at the top are able to approve or disapprove large loans to large and successful corporations to the extent that refusal of a loan will bring about a reduction in the price that that Corporation's stock sells for on the market. After depressing the price, the Bankers' agents buy large blocks of the stock. Then after the multi-million dollar loan is approved, the stock rises, and is then sold for a profit. In this manner billions of dollars are made with which to buy more stock. This practice is so refined today that the Federal Reserve Board need only announce to the newspapers an increase or decrease in their "rediscount rate" to send stocks up and down as they wish. Using this method since 1913, the Bankers and their agents have purchased secret or open control of almost every large corporation in America. Using that control, they then force the corporations to borrow huge sums from their banks so that corporation earnings are siphoned off in the form of interest to the banks. This leaves reduced actual "profits" which can be paid as dividends. This explains why stock prices are so depressed, while the banks reap billions in interest from corporate loans. In effect, the bankers get almost all of the profits, while individual stock holders are left holding the bag.
The millions of working families of America are now indebted to the few thousand Banking families for twice the assessed value of the entire United States. And these Banking families obtained that debt against us for the cost of paper, ink, and bookkeeping!
The Interest Amount is Never Created
Our US Dollars not true money, but "credit" representing a debt, "debt instruments." The only way new money goes into circulation in America is when it is borrowed from Bankers. When the State and people borrow large sums, we seem to prosper. However, the Bankers "create" only the amount of the principal of each loan, never the extra amount needed to pay the interest. Therefore, the new money never equals the new debt added. The amount needed to pay the interest on loans is not "created," and therefore does not exist!
Under this kind of a system, where new debt always exceeds the new money no matter how much or how little is borrowed, the total debt increasingly outstrips the amount of money available to pay the debt. The people can never, ever get out of debt!
An example will show the viciousness of this usury-debt system with its "built-in" shortage of money.
If $60,000 is Borrowed,
$255,931.20 Must Be Paid Back
When a citizen goes to a Banker to borrow $60,000 to purchase a home or a farm, the Bank clerk has the borrower agree to pay back the loan plus interest. At 14% interest for 30 years, the Borrower must agree to pay $710.92 per month for a tota1 of $255,931.20. The clerk then requires the citizen to assign to the Banker the right of ownership of the property if the Borrower does not make the required payments. The Bank clerk then gives the Borrower a $60,000 check or a $60,000 deposit slip crediting the Borrower's checking account with $60,000.
The Borrower then writes checks to the builder, subcontractors, etc., who in turn write checks. $60,000 of new "checkbook" money is thereby added to "money in circulation."
However, and this is the fatal flaw in a usury system, the only new money created and put into circulation is the amount of the loan, $60,000. The money to pay the interest is NOT created, and therefore was NOT added to "money in circulation."
Even so, this Borrower (and those who follow him in ownership of the property) must earn and TAKE OUT OF CIRCULATION $255,931, almost $200,000 MORE than he put IN CIRCULATION when he borrowed the origina1 $60,000. (By the way, it is this interest which cheats all families out of nicer homes. It is not that they can't afford them; it is because the Banker's usury forces them to pay for 4 homes to get one!)
Every new loan puts the same process in operation. Each borrower adds a small sum to the total money supply when he borrows, but the payments on the loan (because of interest) then deduct a much LARGER sum from the total money supply.
There is therefore no way all debtors can pay off the money-lenders. As they pay the principal and interest, the money in circulation disappears. All they can do is struggle against each other, borrowing more and more from the money-lenders each generation. The money-lenders (Bankers), who produce nothing of value, slowly, then more rapidly, gain a death grip on the land, buildings, and present and future earnings of the whole working population. The borrowers have become the servants of the lenders.
Small Loans Do the Same Thing
If you haven't quite grasped the impact of the above, let us consider a small auto loan for 3 years at 18% interest. Step 1: Citizen borrows $5,000 and pays it into circulation (it goes to the dealer, factory, miner, etc.) and signs a note agreeing to pay the Banker $6,500. Step 2: Citizen pays $180 per month of his earnings to the Banker. In 3 years he will take OUT of circulation $1,500 more than he put IN circulation.
Every loan of Banker "created" money (credit) causes the same thing to happen. Since this has happened millions of times since 1913 (and continues today), you can see why America has gone from a prosperous, debt-free nation to a debt-ridden nation where practically every home, farm and business is paying usury-tribute to some Banker. The usury-tribute to the Bankers on personal, local, State and Federal debt totals more than the combined earnings of 25% of the working people. Soon it will be 50% and continue to increase.
This is Why Bankers Prosper in Good Times or Bad
In the millions of transactions made each year like those above, little actual currency changes hands, nor is it necessary that it do so. 95% of all "cash" transactions in the U.S. are by check, so the Banker is perfectly safe in "creating" that so-called "loan" by writing the check or deposit slip, not against actual money, but AGAINST YOUR PROMISE TO PAY IT BACK! The cost to him is paper, ink and a few dollars in salaries and office costs for each transaction. It is "check-kiting" on an enormous scale. The profits increase rapidly, year after year, as shown below.
The Cost to You? Eventually, Everything!
In 1910 the U.S. Federal debt was only $1 billion, or $12.40 per citizen. State and local debts were practically non-existent.
By 1920, after only 6 years of Federal Reserve shenanigans, the Federal debt had jumped to $24 billion, or $228 per person.
In 1960 the Federal debt reached $284 billion, or $1,575 per citizen and State and local debts were mushrooming.
By 1981 the Federal debt passed $1 trillion and was growing exponentially as the Banker's tripled the interest rates. State and local debts are now MORE than the Federal, and with business and personal debts totaled over $6 trillion, 3 times the value of all land and buildings in America.
If we signed over to the money-lenders all of America we would still owe them 2 more Americas (plus their usury, of course!)
However, they are too cunning to take title to everything. They will instead leave you with some "illusion of ownership" so you and your children will continue to work and pay the Bankers more of your earnings in ever-increasing debts. The "establishment" has captured our people with their illegal, unethical system of usury and debt as certainly as if they had marched in with a uniformed army.
For The Gamblers among My Readers
To grasp the truth that periodic withdrawal of money through interest payments will inexorably transfer all wealth in the nation to the receiver of interest, imagine yourself in a poker or dice game where everyone must buy the chips (the medium of exchange) from a "banker" who does not risk chips in the game, but watches the table and every hour reaches in and takes 10% to 15% of all the chips on the table. As the game goes on, the amount of chips in the possession of each player will go up and down with his "luck." However, the TOTAL number of chips available to play the game (carry on trade and business) will decrease rapidly.
The game will get low on chips, and some will run out. If they want to continue to play, they must buy or borrow them from the "banker." The "banker" will sell (lend) them ONLY if the player signs a "mortgage" agreeing to give the "banker" some real property (car, hnme, farm, business, etc.) if he cannot make periodic payments to pay back all of the chips plus some EXTRA ones (interest). The payments must be made on time, whether he wins (makes a profit) or not.
It is easy to see that no matter how skillfully they play, eventually the "banker" will end up with all of his original chips back, and except for the very best players, the rest, if they stay in long enough, will lose to the "banker" their homes, their farms, their businesses, perhaps even their cars, watches, rings, and the shirts off their backs!
Our real-life situation is MUCH WORSE than any poker game. In a poker game none is forced to go into debt, and anyone can quit at any time and keep whatever he still has. But in real life, even if we borrow little ourselves from the Bankers, the local, State, and Federal governments borrow billions in our name, squander it, then confiscate our earnings from us and pay it back to the Bankers with interest. We are forced to play the game, and none can leave except by death. We pay as long as we live, and our children pay after we die. If we cannot pay, the same government sends the sheriff to take our property and give it to the Bankers. The Bankers risk nothing in the game; they just collect their percentage and "win it all." In Las Vegas and at other gambling centers, all games are "rigged" to pay the owner a percentage, and they rake in millions. The Federal Reserve Bankers' "game" is also rigged, and it pays off in billions! Even trillions!
In recent years Bankers added real "cards" to their game. "Credit" cards are promoted as a convenience and a great boon to trade. Actually, they are ingenious devices by which Bankers collect 2% to 5% of every retail sale from the seller and 18% interest from buyers. A real "stacked" deck!
Yes, It's Political, Too
Democrat, Republican, and Independent voters who have wondered why politicians always spend more tax money than they take in should now see the reason. When they begin to study our "debt-money" system, they soon realize that these politicians are not the agents of the people but are the agents of the Bankers, for whom they plan ways to place the people further in debt. It takes only a little imagination to see that if Congress had been "creating," and spending or issuing into circulation the necessary increase in the money supply, THERE WOULD BE NO NATIONAL DEBT, and the over $4 Trillion of other debts would be practically non-existent. Since there would be no ORIGINAL cost of money except printing, and no CONTINUING costs such as interest, Federal taxes would be almost eliminated. Money, once in circulation, would remain there and go on serving its purpose as a medium of exchange for generation after generation and century after century, just as coins do now, with NO payments to the Bankers whatever!
Mounting Debts and Wars
But instead of peace and debt-free prosperity, we have ever-mounting debt and periodic wars. We as a people are now ruled by a system of Banker-owned pirates that has usurped the mantle of government, disguised itself as our legitimate government, and set about to pauperize and control the people. It is now a centralized, all-powerful political apparatus whose main purposes are promoting war, spending the peoples' money, and propagandizing to perpetuate itself in power. Our two large political parties have become its servants, the various departments of government its spending agencies and the Internal Revenue its collection agency. The actions of the government sponsor expenditures that benefit the bankers who also own the pharmaceutical, medical, defense, agricultural, and drug industries. They make sure that the collected taxes go to spending in those industries in which they have a financial interest.
Unknown to the people, this system operates in close cooperation with similar apparatuses in other nations, which are also disguised as "governments." Some, we are told, are friends. Some, we are told, are enemies. "Enemies" are built up through international manipulations and used to frighten the American people into going billions of dollars more into debt to the Bankers for "military preparedness," "foreign aid to stop communism," "minority rights," etc. Citizens, deliberately confused by brainwashing propaganda, watch helplessly while our politicians give our food, goods, and money to Banker-controlled alien governments under the guise of "better relations" and "easing tensions." Our Banker-controlled government takes our finest and bravest sons and sends them into foreign wars with obsolete equipment, inadequately new equipment and inadequate training, where tens of thousands are murdered, and hundreds of thousands are crippled. Other thousands are morally corrupted, addicted to drugs, and infected with venereal and other diseases, which they bring back to the United States. When the "war" is over, we have gained nothing, but we are scores of billions of dollars more in debt to the Bankers, which was the reason for the "war" in the first place! Then the destroyed infrastructure of the defeated country must be rebuilt..financed by the Bankers.
And There's More
The profits from these massive debts have been used to erect a complete and almost hidden economic and political colossus over our nation. They keep telling us they are trying to do us "good," when in truth they work to bring harm and injury to our people. These would-be despots know it is easier to control and rob an ill, poorly-educated and confused people than it is a healthy and intelligent population, so they deliberately prevent real cures for diseases, degrade our educational systems, permit contamination of food, water, air and soil. To keep everyone off balance, they stir up social and racial unrest. For the same reason they quietly promote drug abuse, alcoholism, sexual promiscuity, abortion, pornography, and crime. Everything which debilitates the minds and bodies of the people is secretly encouraged, as it makes the people less able to oppose them or even to understand what is being done to them.
All that is honorable is being swept away, while they try to build their new, subservient man. Our new "rulers" are trying to change our whole racial, social, religious, and political order, but they will not change the debt-money economic system by which they rob and rule. People have become tenants and "debt-slaves" to the Bankers and their agents in the land their fathers conquered. The Banker Families' conquest is through the most gigantic fraud and swindle in the history of mankind. The key to their wealth and power over us is their ability to create "money" out of nothing and lend it to us at interest. If they had not been allowed to do that, they would never have gained secret control of our nation.
We have been warned in the Bible that one of the curses which would come upon His People for disobeying His Laws was:
"The stranger that is within thee shall get up above thee very high; and thou shalt come down very low. He shall lend to thee, and thou shalt not lend to him; he shall be the head, and thou shalt be the tail [Deut. 28: 44-45]."
Most of the owners of the largest banks in America are of Eastern European ancestry and connected with the Rothschild European banks. Has that warning come to fruition in America?
Let us now consider the correct method of providing money as the medium of exchange.
The Constitutional Way --
Every Citizen A Stockholder
If we would have used the Consistutional way of "creating" the money needed in the nation, the Federal Congress would spend most of its time and study on the issuance and control of an adequate supply of stable money for the people. If an increase of population and production required an increase in the medium of exchange, Congress would authorize the "coining," or printing of the determined amount. Some could be used to pay current legitimate expenses of the Federal Government, with the balance paid directly to the citizens. Records for payment would be similar to Social Security records, except a citizen would be recorded at birth, instead of when he first goes to work. Each person on the records as of the date of the Congressional authorization would receive an equal amount just as if he were a stockholder holding one share. Just think -- a payment of only $20 to each citizen would put $4 billion of debt-free and interest-free money into circulation.
Such a suggestion always scares the Bankers. Their propagandists will immediately cry, "printing press money," and warn that it would soon be "worthless" and would "cause inflation."
The truth is their immense usury charges on their "created" credit (our debt) is the sole cause of "inflation." All prices on all industry, trade and labor must be raised periodically to pay the ever increasing usury charges. That is the ONLY cause of higher prices, and the money-changers spend millions in propaganda to keep you from realizing that.
The Bankers know that if we ever tried a Constitutional issue of debt-free, interest-free currency, even a limited issue, the benefits would be apparent immediately. That they must prevent. Abraham Lincoln was the last President to issue such debt-free and interest-free currency (in 1863) and he was assassinated shortly thereafter.
No Banker's Plunder
Under a Constitutional system no private banks would exist to rob the people. Government banks under the control of the people's representatives would issue and control all money and credit. They would issue not only actual currency, but could lend limited credit at no interest for the purchase of capital goods, such as homes. A $60,000 loan would require only $60.000 repayment, not $255,931 as it is now. Everyone who supplied materials and labor for the home would get paid just as they do today, but the Bankers would NOT get $195,931 in usury, AND THAT IS WHY THEY RIDICULE AND DESTROY ANYONE SUGGESTING GOVERNMENT (CITIZENS') MONEY WITHOUT INTEREST AND WITHOUT DEBT.
History tells us of debt-free and interest-free money issued by governments. The American colonies did it in the 1700's and their wealth soon rivaled England and brought restrictions from Parliament, which led to the Revolutionary War. Abraham Lincoln did it in 1863 to help finance the Civil War. He was later assassinated by an agent of the Rothschild Bank. No debt-free or interest-free money has been issued in America since then. Several Arab nations issue interest-free loaas to their citizens today. The Saracean Empire forbad interest on money for 1,000 years, and its wealth outshone even Saxon Europe. Mandarin China issued its own money, interest-free and debt-free, and historians and collectors of art today consider those centuries to be China's time of greatest wealth, culture and peace.
Issuing money which doesn't have to be paid back with interest leaves the money available to use in the exchange of goods and services and its only continuing cost is replacement as the paper wears out. Money is the paper ticket by which such transfers are made and should always be in sufficient quantity to transfer all possible production of the nation to ultimate consumers.
It is as ridiculous for a nation to say to its citizens, "You must consume less because we are short of money," as it would be for an Airline to say "Our planes are flying, but we can't take you because we are short of tickets."
Why You Haven't Known
We realize this small, and necessarily incomplete article on money may be charged with oversimplification. Some may say, "If it is that simple the people would have known about it, and it could not have happened." But this MONEY-LENDERS' consPIRACY is as old as Babylon, and even in America it dates far back before the year 1913. Actually, 1913 may be considered the year in which their previous plans came to fruition, and the way opened for complete economic conquest of the people. The consPIRACY is old enough in America so that its agents have been, for many years, in positions such as newspaper publishers, editors, columnists, church ministers, university presidents, professors, textbook writers, labor union leaders, movie makers, radio and TV commentators, politicians from school board members to U.S. presidents, and many others. They are not all aware of their role and some, although aware, find many convenient justifications for continuing their support.
The Federal Reserve has never been audited by the government since it took over our money and credit in 1913. In 1975 a bill, H.R. 4316, to require an audit was introduced in Congress. Due to pressure from the money controllers, it was not passed. No audit of the Fed has ever been made.
Controlled News and Information
These agents control the information available to our people. They manipulate public opinion, elect whom they will locally and nationally, and never expose the crooked money system. Today they even manufacture and service the computerized voting machines that can be programmed to change or cancel votes. They promote school bonds, municipal bonds, expensive and detrimental farm programs, "urban renewal," foreign aid, and many other schemes which will put more money into their pockets and the people more into debt to the Bankers. Thoughtful citizens wonder why billions are spent on one program and billions on another which may duplicate it or even nullify it, such as paying some farmers not to raise crops, while at the same time building dams or canals to irrigate more farm land. Crazy or stupid? Neither. The goal is more debt. Thousands of government-sponsored ways to waste money go on continually. Most make no sense, but they are never exposed for what they really are, builders of "billions for the bankers and debts for the people."
So-called "economic experts" write syndicated columns in hundreds of newspapers, craftily designed to prevent the people from learning the simple truth about our money system. Commentators on radio and TV, preachers, educators, and politicians blame the people as wasteful, lazy, or spend-thrift, and blame the workers and consumers for the increase in debts and the inflation of prices, when they know the cause is the debt-money system itself. Our people are literally drowned in charges and counter-charges designed to confuse them and keep them from understanding the unconstitutional and illegal money-system that is so efficiently and silently robbing the farmers, the workers, and the businessmen of the fruits of their labors and of their freedoms.
When some few Patriotic people or organizations who know the truth begin to expose them or try to stop any of their mad schemes, they are ridiculed and smeared as "right-wing extremists," "super-patriots," "ultra-rightists," "bigots," "racists," even "fascists" and "anti-Semites." Any name may used which will cause them to shut up or at least stop other people from listening to the warning they are giving. Articles and books, such as you are now reading, are kept out of schools, libraries, and bookstores.
Some, who are especially vocal in their exposure of the treason against our people, are harassed by government agencies such as the EPA, OSHA, the IRS, and others, causing them financial loss or bankruptcy. Using the above methods, they have been completely successful in preventing most Americans from learning the things you have read here. However, in spite of their control of information, they realize many citizens are learning the truth. Therefore, to prevent violence or armed resistance to their plunder of America, they plan to register all firearms and eventually to disarm all citizens. They have to eliminate most guns, except those in the hands of their government police and army. Australia has seen such a program recently to neutralize the people who might object to the looting of their resources by the Banker cartel.
Tell the People
The "almost hidden" conspirators in politics, religion, education, entertainment, and the news media are working for a Banker-owned United States in a Banker-owned world under a Banker-owned World Government!
Love of Country, compassion for all people, and concern for your children should make you deeply interested in this, America's greatest problem, for our generation has not suffered under the "yoke" as the coming generations will. Usury and taxes will continue to take a larger and larger part of the annual earnings of the people and put them into the pockets of the Bankers and their political puppets. Increasing "government" regulations will prevent citizen protest and opposition to their control. Is it possible that your grandchildren will own neither home nor car, but will live in "government-owned" apartments and ride to work in "government-owned" buses (both paying usury to the Bankers), AND BE ALLOWED TO KEEP JUST ENOUGH OF THEIR EARNINGS TO BUY A MINIMUM OF FOOD AND CLOTHING while their Rulers wallow in luxury?
America will not shake off her Banker-controlled dictatorship as long as the people are ignorant of the hidden controllers. International financiers, who control most of the governments of the nations, and most sources of information, seem to have us completely within their grasp. They are afraid of only one thing: an awakened Patriotic Citizenry, armed with the truth, and with a trust in their own innate power to choose wisely and compassionately. Only an educated people will be able to resist the lies of the bankers' puppets. This is why it is important for you to know the truth about how the bankers make billions for themselves and bring debts to the people. We have given you the truth about this unconstitutional and illegal system. What you do with it is in your hands.
When the credit/debt bubble is pricked by the bankers they will foreclose on America. Then, they will own it all. There may be a "managed chaos" -- riots and terrorism -- to alarm the people with the fear of anarchy as the bankers prepare to impose a fascist, socialistic dictatorship on America as the "solution" for the problems they, themselves, have created. Out of Chaos they would create order...a New World Order.
Originally written by Sheldon Emry with editing by Allen Aslan Heart.
This study on money is not copyrighted. It may be reproduced
in whole or in part for the purpose of helping the American people. |
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dre4dwolf
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« Reply #8 on: January 26, 2011, 09:17:17 PM » |
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dre4dwolf
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« Reply #9 on: January 27, 2011, 01:45:49 AM » |
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The Following is about gaining Freedom from the system and learning to manipulate it legally to gain advantages: How to deal with offers in commerce
The following is an excerpt of some email correspondences: ********************************************************
Responding to Offers or Demands
We have an unlimited ability to contract with our fellow human beings in any way that we choose. Our choices are dependent not upon our circumstances, but only upon our knowledge and will and creative intelligence.
Whether in commerce or law or life, whenever someone demands something from us, it is an offer to contract. There are only five ways we can respond to an offer to contract.
1) We can ignore;
2) We can argue or contest;
3) We can reject the offer or refuse for cause, without dishonor, as long as it is an erroneous claim and there is no liability evidenced (see UCC 3-501);
4) We can accept; or
5) We can conditionally accept.
Ignoring is dishonoring, both to the offerer and the offeree. In commerce, it means agreeing by acquiescence. If someone sends us a bill and we ignore it, we have committed a commercial dishonor and we have agreed that we owe it. They have become the creditor in the matter and we have become the debtor/ slave.
Arguing is dishonoring to everyone as well, no matter how righteous it seems. Ultimately, no points of view are absolutely valid and in a fight, force and deception are relied upon by all but the saintliest of parties. The loser will certainly become a debtor in the matter; the victor's creditorship may be a crime.
Honorably rejecting and the two ways of accepting are the only ways we can remain in honor and take full responsibility for our life and our world and not be a victim or a debtor. Full acceptance is appropriate when we agree with the substance and form of whatever is being offered. Conditional acceptance is more appropriate when we are not sure about those things.
All conditional acceptances are counter-offers: "Sure, I'll go to town with you if you help me clean up that mess first" OR "Sure, I'll accept that upon proof of your claim, in the form of a signed affidavit by you, under penalties of perjury and under your personal, unlimited commercial liability".
Learning how to accept conditionally is fundamental to learning how to remain in creditor relationship with and be able to freely control any situation.
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Private vs. Public
It is important to know the difference between the private and the public, because we all have private and public identities and we can handle private and public affairs from the private, but we cannot handle private affairs from the public. This latter is one of the biggest mistakes many people make when trying to handle their commercial and lawful (private) or legal (public) affairs.
In our society, the private 'Strawman' was created by the application for the birth certificate; it is an international vessel in maritime law.
The public STRAWMAN was created by the application for the Social Security card; it is the national vessel in the law of admiralty.
John Doe is a non-resident alien in relation to the public. He exists in the republic. He has inalienable rights and unlimited liabilities.
JOHN DOE is a U.S. citizen. He exists in the democracy. He has benefits and obligations and limited liability.
In the private, money is an asset and always in the form of something that has intrinsic value, i.e. gold or silver. Payment for anything is in the form of commercial set off, now.
In the public, money is a liability and normally in the form of a promissory note, i.e. an FRN, a check, bond or note. Payment is in the form of discharge; in the future.
The private realm is the basis for all contract and commerce; the public was created by the bankruptcy of the private entity. Generally, creditors can operate from the private. Public entities are all debtors (or slaves).
Therefore, it is good to learn how to be a creditor in all of our affairs. Freedom is possible in the private; it is not even a valid fantasy in the realm of the public.
*************************************************************
Creditor or Debtor
Playing well the game of commerce means being a creditor, not a debtor.
Debtors take positions, defend what they know and make statements about it; they ignore, argue and/or contest. Extreme debtor-minded people presume victimhood and seek to limit their liability. Debtors operate unwittingly from and within the public venue. They are satisfied with mere equitable title - they can own and operate, but not totally control their property. Debtor possibilities are limited and confining, as debtors are slaves.
Creditors are present to whatever opportunity arises; they ask questions to bring remedy if called for; they accept, either fully or conditionally. Accomplished creditors take full responsibility for their life, their finances and their world. Creditors understand and make use of their unlimited ability to contract privately with anyone they want at any time. They maintain legal title and control of their property. Creditor possibilities are infinite. Creditors are sovereign and free. Real Money, Real Freedom
Let's start with this: Money has two factors that define it. It is a thing of beauty if you're mathematically or even poetically inclined, because it's not one and it's not three. There are two specific factors that indicate anything is money and they are:
#1: It has to have intrinsic value; and #2: It can't vary in quality.
That's it. Everything in creation that has these two conditions is money. Everything that doesn't, isn't.
Gold and silver have always been considered money in the history of mankind in all cultures because they meet the two conditions, plus they're handy. Actually, every element in the chemistry table of elements other than carbon is money. Water is money. The only reason you don't see people carrying gallons of water to the store to pay for things is because it's not handy.
Diamonds aren't money because, though they have intrinsic value, they vary in quality.
Federal Reserve Notes are not money because they don't have any intrinsic value. They cost two cents to make regardless of denomination. That's an obvious shocker to a lot of people - the fact that someone actually makes a 98 cent profit on every dollar bill; a $99.98 profit on every $100 bill.
Presuming it is the government that does this (actually it's not - the Federal Reserve is no more federal than Federal Express - more on that at another time), one might wonder why it (the government) needs so much money in taxes, license & permit fees, citations, fines & penalties and confiscations, and all the other perhaps subtler methods it uses to remove us from our property.
Federal Reserve Notes are negotiable instruments that discharge debt, but they are not money. They are not backed by silver anymore like they were in the days of the silver certificates, nor are they backed by any other commodity that meets the definition of money. The collateral for Federal Reserve Notes is the future labor of the people of the United States as evidenced by the birth certificates. That's a very loaded sentence that we will go into more in a minute, but one of the keywords is future. In other words it doesn't exist now, it may exist later. So Federal Reserve notes are in that category of negotiable instruments called "promises to pay" or promissory notes. They are debt instruments.
In reality, we can't actually pay any debts anymore because all of the real money has been extracted from society. All we can do now is discharge debts. All we have to do it with is fake money or counterfeit money. Federal Reserve Notes are counterfeit money.
You may have noticed that there are so many other examples of real things that have pretty much been replaced by their fake counterparts in the past few generations. Prior to this century, for instance, the only kind of food that existed was real - now it is quite a challenge to go into a regular grocery store and buy any food that has not been polluted by chemicals, insecticides, genetic engineering or over-processing to an incredible extent. Some people don't even know that real syrup comes from a tree. The brown sugar water with chemicals in it that you are served in the House of Pancakes may look like maple syrup, but it isn't.
In a similar fashion, and just like we used to have real money rather than fake money, we used to have real laws (implementing regulations), rather than fake laws like Codes (color of law) that are only applicable to corporate fictions. We also used to have real titles to property rather than fake titles like deeds (color of title). If you really own your land and have an allodial title to it, you are not subject to building codes or property taxes. If you only have a deed, the STATE really owns your land, and it you don't pay the rent (property taxes), they will take it away from you. You can be assured that Mr. Rockefeller has real title to his property.
There are two of so many things these days - one that is real and one that is fake.
There are two "states" of whatever state you live in. There is one that has hills and valleys and rocks and trees and dogs and cats and people in it. There is another one that is a government entity, a corporate fiction. When you fill out a government form that asks you "Are you a resident of the State of California?", you may presume you know what is meant by the word "resident" and the phrase "State of California", but you should be sure before you sign that thing under penalty of perjury.
In the same way, there are in a way two of you. The real you was created by your mother and father and God, and if somebody pinches, you will feel it. There is another "you", believe it or not, that was created by the STATE and is a corporate fiction.
Have you ever noticed that whenever you receive a letter from a creditor or debt collector or IRS, it's always addressed to your name in all capital letters? Well, that's because that letter is not addressed to you but to your STRAWMAN. On your personal checks issued to you by your bank, your name and address are imprinted in all capital letters for the same reason.
You may decide you want to have the best mailbox on your block, so you design and construct and paint this fabulous mailbox and you take it out in front of your mansion and you pound it in to the ground on your property. Who owns that mailbox? If one of your neighbors puts a letter in that mailbox that does not have a stamp on it, they can be fined or imprisoned for trespassing on government property.
In the same way, you may have a birth certificate in your possession - it has your name on it - you've had it for decades - you value it - you keep it in your box of important documents. Guess who owns that birth certificate. Of course, it is the STATE that owns that birth certificate. At the very best, you may get a certified copy. The original is always kept in the Bureau of Vital Records in the State you were born, in the Department of Commerce. Do you know why in the Department of Commerce? Because your birth certificate, along with all the other birth certificates, is the collateral for Federal Reserve Notes.
Effectively, your birth certificate is the STATE's certificate of title over you.
Now, how did you become chattel property of the STATE (being as the Constitution supposedly forbids slavery)? The short answer is by deceit and trickery. The STATE created a corporate fiction, your STRAWMAN with that birth certificate, and as long as you don't know the difference between that STRAWMAN and you the real, live human being, the least common denominator is the STRAWMAN.
When you're driving on the street, perhaps at a higher speed than the posted so-called speed limit, but you haven't done any personal or property damage, the reason a cop can stop you, hand you a bill at gun point, and deny your rights to travel and due process in one fell swoop, is because the cop is not dealing with you the real, live human being, but only with the STRAWMAN.
Remember we were taught back in the 8th Grade that there are three branches of government - the Executive, the Judicial and the Legislative? Well, where does the DMV or the IRS fit into that? They don't. They're in what some people have come to call the quasi-Fourth branch of government - the Administrative agencies. The Administrative agencies would like you to believe they have legislative authority over you. They don't. The only authority or jurisdiction they can claim to have is in commerce, by contract, over corporate fictions.
The real you has God-given rights. It doesn't matter whether you live in a country with a Constitution that supposedly protects those rights or not. You have God-given rights just by being here. The fake "you", the corporate fiction or STRAWMAN, doesn't have any God-given rights, only benefits and obligations under contract, and maybe "civil rights", a poor substitute (fake) for real rights.
Civil rights may be politically correct, but they are counter to nature and real rights. For instance it may be a civil right not to be discriminated against because you have a pointy nose, but the deeper (real, God-given) right is the right to associate with anyone you want to and not to have to associate in any way with anyone you don't want to. If you don't want to hire pointy nosed people just because you don't like pointy nosed people, that is your God-given right. God-given rights include the rights to livelihood, property, travel, due process, sovereignty, happiness and health. These are not STATE privileges.
Knowledge really is power. It is important to know the difference between what is real and what is not, and it is also good to know the rules. There are Constitutional experts in jail because they didn't understand how they had contracted away their God-given rights in exchange for STATE privileges. It's important to be familiar with the Uniform Commercial Code, because it is the effective rulebook on planet Earth.
One of the ten basic maxims of Commercial law is this: "An unrebutted affidavit is presumed to be true". What this means is that whenever you get a bill, a fine, a penalty, assessment, or demand or presentment in commerce of any sort, it behooves you to respond to it timely, because if you don't - if you ignore it, you acquiesce to the truth of it. You loose your due process, and it may not have been true at all in the first place.
The better way to play the commerce game is to respond timely and request that your adversary respond timely to you as well. Oftentimes it is ridiculously easy to pull the rug out from under an IRS agent or a debt collector simply by making a righteous formal request that they cannot or will not respond to.
Did you know that there is no law that makes it mandatory for any real, live human being to pay income taxes, have income taxes withheld from one's pay, or even file tax returns? How could there be? It is an obvious fact, and the Supreme Court has ruled very clearly that when you file an income tax return, you are waiving your 5th Amendment Right to not testify against yourself. Certainly there can be no law that makes it mandatory that anyone waive any rights.
What is income anyway? If I buy my neighbor’s cow using my two goats as payment, did either of us have net income? Obviously not; we both gained something and gave up something of equal value – it was a trade. It’s no different if one of us had paid the other with gold or Federal Reserve Notes or our labor!
When many people get an inquiry from IRS asking them where their tax return is, they panic and ignore it, and six weeks later they get an unsigned assessment that contains added in fines and penalties - they on the way to being liened or levied. [Actually, the IRS never sends out real liens - only "Notices" of liens, but they usually get the County Recorders to treat them as real liens anyway.]
When you get a letter from IRS asking you where your tax return is, you might write back very humbly, simply and immediately and give them Power of Attorney to complete your tax return for you as long as they sign it under penalty of perjury - you may never hear from them again.
Another way to illustrate using the maxim "An unrebutted affidavit is presumed to be true" is also an easy way to explain one approach to terminating unsecured debt.
Did you know that banks do not issue loans? This is a shocker to many people, because we are taught to believe that if we want a loan, we go to a bank. But banks don't issue loans and there is no asterisk on that sentence. Banks are prohibited from loaning their customer's assets because that would violate General Accounting principles. They are prohibited from loaning their own assets because that would violate Federal Reserve Regulations. What's left? Nothing. Banks don't issue loans.
What happens is when you leave the bank with a credit card application or another type of co-called loan application, you are actually giving the bank your promise to pay them with your signature on it. It could be on a piece of toilet paper. It is a promissory note that the bank cashes, and in a simple example, gives you a check of equal value in return. They don't disclose that there wasn't really any loan or any risk or collateral on their part and that they merely paid a clerk $12 an hour or so to make an entry in a computer.
[This is what causes inflation because the so-called money is created out of thin air.] Then they (the banks) violate usury and racketeering laws all day every day by charging you principle and interest on the fictitious "loan".
One way to terminate this unsecured debt, without bankruptcy, is: when your STRAWMAN gets the bill, send in a minimum payment with a cover letter that says at the top "Notice of Final Payment". In this half a page cover letter, make a formal request in commerce, that they (the so-called creditor) answer your question, and your question is where was the risk or the collateral for that so-called loan.
Well, again, there was no loan; there was no risk, and there was no collateral. They can't answer that question, and you end up creating a new contract in which your STRAWMAN doesn't owe them anything anymore that replaces the old contract in which your STRAWMAN might have owed them thousands of dollars. This new contract is called a novation.
Evading responsibility is not being advocated by these prior statements. Certainly if you have made a mess, it is up to you to clean it up. But if the mess you've made is a merely a mirage, it is appropriate to handle it by mirage means.
Step by step over the last few decades, the substance of our money, our laws, our rights and our freedoms have been overlaid by something resembling but counter to these precious things.
Our society has become a tyrannical police state. Still however, it is our ability to be truly free human beings because it is our birthright - it just takes more knowledge then ever, and action, to step out of the negative spell that has been cast by the conspiratorial powers that be.
The laying of the groundwork to one's freedom and sovereignty requires dotting all of the i's and crossing all of the t's and at least three steps:
1. Properly recording a Security Agreement and then filing a UCC-1 form to establish a public record that you are not the STRAWMAN and in fact are the holder-in-due-course of it. This can be the single most important tool in your toolbag because this alone changes the presumption of law from the side of the STATE to your side;
2. Making yourself the Power of Attorney over the corporate fiction; and
3. Copyrighting the STRAWMAN's name. This doesn't just give you another defensive strategy - it gives you a very important offensive weapon, because from this point on, anyone who is coming after your STRAWMAN for anything without your permission is trespassing on your commercial property.
You've possibly heard of the term "judicial immunity" a judge has, or so-called "unlimited immunity" a clerk or a cop or an IRS agent has protected by his or her agency. Well, it hardly exists at all. The only immunity any agent has is when they are within their jurisdiction, and they have no jurisdiction over you the real live person.
When you know the difference between who you are and who you've been led to believe you are (a corporate fiction) and how to effectively assert this difference, the scales of justice are unlocked and the balance of power tilts back to your favor.
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dre4dwolf
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« Reply #10 on: February 14, 2011, 07:38:59 AM » |
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Chart of FRB SYSTEM  |
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kita
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« Reply #12 on: August 16, 2011, 08:50:15 PM » |
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I know this is all true,I know of a guy(a smart guy) who has lived off credit cards for 15 years,(Australia)and as never used a cent of his own money.
He dont think he would tell anyone how he does it.He was called into the bank and told not to tell anyone,but unfortunately he has a big mouth with ladies while drunk.He broke his back and was in hospital for 6mnths,and he just read bankers books and Mary Crofts Book.Most people,who are right into this stuff would know how he's doing it.But it was odd watching him and his mate,who had teachers jobs owning a hotel and a Maserati,and always wondered how he got so much cash and then i found out.
I have read tons off this stuff but i just can seem to get the penny to drop i understand it in theory but in practice is a different story.
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American journalist, A. J. Liebling, who said: "Freedom of the press is guaranteed only to those who own one"
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sentinelscout
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« Reply #13 on: August 19, 2011, 05:38:33 AM » |
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If you are doing A4V's make sure to put "Accept for value" not Accepted, because you are issuing an ORDER... you are telling them to "accept it for value". Red Ink = Credit = Debt instrument = Asset for the bank (because everything works backwards in commerce, the debtor is the creditor and the creditor is the debtor or usually more often than not , the third party debtor) The guy you know probably has figured out how to cash promissory notes with the federal reserve bank window... anyone can just draft a note and bring it to the fed and they have to cash it for you ( I think something like 12 million a year per person ) , this is the remedy that was setup by the govt and banks when they took the gold in 1930s. The govt can't just take the money out of circulation without giving the people a remedy.... this is t he remedy but it is hidden and only for those who know how to use the system. To get "rich" off this knowledge you need a mentor... they are very hard to find... and very hard to convince to take you under their wing. There are a few mentors stationed in California performing seminars for pretty cheap considering what you are getting. Learning all or some of this is comparable to a crash Harvard course in higher law, you get the bulk of the information and you understand everything, but you don't get the procedures and you don't get the steps.... people pay millions to go to super rich preppy colleges to learn this stuff (this is the knowledge for kings, bankers and royalty) its not meant for common folk to learn. Also , you have to think of courts as a stage / acting where people pretend to be wizzards and sorcerers, they use magic words and they have different meanings.... if you know how to read between the lines, you know how to respond in the courts to "play their game"... the courts have no authority over the human being, they only have authority over persons (fake people/ESTATES) you are not an estate... Ie: when you hear someone say "this goes to the ESTATE of JOE BOB", they are not saying that JOE BOB has an estate, the ESTATE IS A PERSON and the NAME OF THE ESTATE is JOE BOB. IE : If your name is Joe Bob, you have an Estate named JOE BOB (all caps). Your estate is a dead person, a corporate/legal fiction, Joe Bob can not own property because he is a human being, but property can be placed in custody of THE ESTATE OF JOE BOB. Coincidentally, your credit cards are merely Asset paper being spent from the ESTATE OF JOE BOB, Joe Bob does not owe anything and even if he did its impossible for him to ever pay because there is no money in circulation with which to pay. Accounting (double book keeping) is a fraud, perpetuated to keep this system going. This is why the scales of justice are depicted equal. this is the basic formula for accounting Assets = Liabilities + Capital Stop and ask yourself, how can your assets always = liabilities? How can everything you own, always equate to everything you owe?  Thats becomes money = debt. |
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Real Eyes, Realize, Real Lies.
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sentinelscout
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« Reply #14 on: August 19, 2011, 05:51:13 AM » |
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Ps:
Banks violate GAAP by counting Liabilities as Assets.
Banks true liabilities are hidden, because they record the majority of them as Assets
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Real Eyes, Realize, Real Lies.
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Jeno
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« Reply #15 on: January 02, 2012, 01:20:40 AM » |
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this is the full reply from the quote up top gabyspain1
Answered by a user, over 2 years ago.
The prior answer is not exactly true. When you handed the note back to the bank, it made its way up the ranks, until it reached my department. In my department, we stamped at least 125-130 of these per day. Then we would make a deposit to a special account where the value of the note was created by computer entry. Think of it like writing a check to the bank, except the bank keeps the money and doesn't tell you. At this point, you just paid the bank the value of the note.
Then it made its way to my desk, where I did 2 things:
First, if it was a mortgage (and most were), the property is required by law to be free of all liens and encumberances before it can be sold. So, I personally had to write a check to a legal trust controlled by our legal dept, BACKED BY YOUR PROMISSORY NOTE, and the legal dept used that money to remove all prior liens to get around the law.
Second, I had to make some computer entries so you can get your money. The entries I made alerted the Federal Reserve that new "credit" had just been created. So, we gave them the promissory note in exchange for your money, which you thought was a loan. Someone from my dept wired the money to your local branch and a check was written to you. You walk away thinking the bank was gracious enough to loan you their money. It was actually your money all along.
So, to answer the question if the stamp changes the loan agreement. No, it doesn't change the actual agreement. What it does is, it proves they commited fraud by concealing this transaction from the agreement. Multiple frauds are commited on each transaction, except if you tried to do that, you would go to jail.
Now, in response to the previous answer. That was just laughable. The stamp on the note is a deposit stamp, which means it was transferred from the borrower to the bank, not from one bank to another. Yes, banks do sell notes, but to make this gentleman think that stamp is proof of sale, is just outright laughable. I did this every day for 15 years, so I have no interest in concealing this information anymore. http://www.avvo.com/legal-answers/what-is-the-stamp-on-the-promissory-note-that-wasn-60407.html |
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