HOW TO CREATE CURRENCIES

FOR LOCAL COMMUNITIES

By Hartford Van Dyke, Commercial Lawyer

Hartford Van Dyke School Of Universal Law

Established 1967

Commercial Law Department

Hartford Van Dyke Public Wealth Rebate Bank

A U.S. Constitutional First Amendment

Non-Chartered Altruistic Sole Proprietorship / Public Trust

Established 1997

P.O. Box 3100, Battle Ground, Washington 98604

Telephone: (360) 574-1767

This Publication Is Copyright (c) 2002 By Hartford Van Dyke

And Is Released Into The Public Domain By Hartford Van Dyke.

It May Be Reproduced In Any Form For A Profit By Anyone.

"Send it to a friend" via Internet or E-Mail.

-- TABLE OF CONTENTS --

HOW TO CREATE CURRENCIES

FOR LOCAL COMMUNITIES

By Hartford Van Dyke, Commercial Lawyer

This Publication Is Copyright (c) 2002 By Hartford Van Dyke

And Is Released Into The Public Domain By Hartford Van Dyke.

It May Be Reproduced In Any Form For A Profit By Anyone.

"Send it to a friend" via Internet or E-Mail.

PREFACE

Altruistic Government and Altruistic Banking

(Page 2)

At-one-ment

Nature Creates Energy -- Man Creates Money To Represent Energy

Allowance Currency and Transfer Currency

Money

The Source Or Backing Behind The Note

Allowance Notes – Responsibility Versus Theft

Energy Systems

The First Thing In An Energy System -- The Source Of Energy

The Second Thing In An Energy System -- The Energy Control Device

Passive Controls

Active Control – Gates And Amplifiers

The Automobile Engine

The Electrical System – Three Passive Controls – The Switch Amplifier

The Radio Receiver Or Cellular Telephone – Three Passive Controls –

Vacuum Tube Amplifiers and Transistor Amplifiers

The Money System – An Energy System

Comparison Of Energy Systems

The Money System

The Active Elements Of A Money System – Contracts – Transfer Notes

EVERY NOTE OF MONEY OR CURRENCY USED IN COMMERCE TO SELL,

TO BUY, OR TO CONVEY SOCIAL ENERGY MUST BE A CONTRACT.

Allowance Notes Currently In Use In America

Transfer Notes -- The Contract

An Overview Of The Minus Money Banking Scam

(Page 10)

Willie’s Money-Talks

Seed Money

The First Governments

The Food Chain

The First Banks

The Illusion of Honesty

Minus Money – Money Backed By Nothing

The Nature of Money

Understanding And Regulating The Quality Of Money

(Page 20)

Money is everybody’s responsibility.

It cannot be, it must not be, delegated to others.

If the people do not care about the valid ORIGINS OF MONEY, then they will become slaves to others, who will then be free to determine the ORIGINS OF MONEY, and who will then be free to unlawfully sell into circulation, their so-called "money", to gullible people.

Egoism is excessive thought of one’s self – (selfishness).

Egoist – One given over to egoism, or thoughts of one’s self.

Altruism is regard for, and devotion to, the interests of others –benevolence.

Altruist – One who believes in and practices altruism.

Altruistic – Regardful of others; beneficent; unselfish – (opposed to egoistic or selfish).

The Three Fundamental Industries

Old Industry and New Industry

The Most Important Service Industry

The altruistic services industry is the practical social foundation of an

honestly established paper currency that retains a stable purchasing power.

THE FUNDAMENTAL PRINCIPLE OF PRACTICAL ALTRUISM IS:

"If righteousness is not made profitable, then corruption will prevail."

HOW DID MONEY EVOLVE?

THE ORIGINAL REAL MONEY

The original Real Money of commerce is grain and other live food.

Metals Used As Symbolic Money

Printed-Paper Used As "Paper Contract Money" or Simply "Paper Money"

The Paper Contract Money/Currency Industry

Banking

(Page 26)

Good Banking – Honest Banking

Bad Banking – Corrupt Banking

Property – Exclusive and Non-Exclusive Property

Exclusive Property

Non-Exclusive Property

Non- Exclusive Property Converted to Exclusive Property

Title, Paper Money, Currency

Definitions

(Page 29)

Barter – Natural Commercial Law

The Barter Process

Money = Real Money

The Money Process

Money – Summary Of Above Example

Natural Money = The First Class Of Money = Positive Money = Plus Money

Lawful Money = A Government Defined Positive Money Or Plus Money

Currency – Current Money

Paper Money

Backing" – definition (The opposite of backed is non-backed.)

Positive Paper Money = Plus Paper Money

Maybe Money

Non-Backed Money -- Empty Money –

--Negatively Backed Money – Negative Money – Minus Money

THE BANKER STEALING THE AMOUNT OF THE NOTE INTO CIRCULATION,

The Blue Sky Banking Scam (Double B.S.)

Banker Thieves And Currency Criminals -- Banksters

The "National Debt" Is A Fraud

Bank Robbery – How Banks Rob People

Fraud – Trickery, Deception

Deception

"When you assume the appearance of power, people soon give it to you."

Corrupt Banking And Corporations

The Minus Money Banking Scam

(Page 38)

--- The Most Profitable Scam Of Dishonest And Predatory Bankers ---

--- Loaning Minus Money Backed By Stolen Property ---

Corrupt Strategy #3 – Blue Sky Marketing -- Selling "Money" Without Backing

Dishonest and Predatory Bankers

Rothschild’s method of banking has been described in a foregoing chapter titled

"An Overview Of The Minus Money Banking Scam".

The Creation Of A Bank That Robs You

The Scam

as if it were the banker’s own property to loan

Dazzle The King

Corrupt Strategy #1 -- When The Cat Is Away, The Mice Will Play.

Corrupt Strategy #2 – Keep All The Plates Spinning / Balls In The Air –

Also Known As "Kiting"

Cancellation Of Credit And Currency, The Twin Crime To Blue Sky Marketing

Summary

Bankers Cut Governments In On The Scam

1743-1812 A.D.

~~ 1791 A.D. – At The Beginning Of The united States Of America

Blue Sky Marketing – Banks + Governments + Media

Strategy #4 – Collecting Debts From Nations

The ABA And The ABA (Double Trouble)

Now you understand the origins of the most recent 300 years of world history.

Cancellation of Credit and Currency Method #1: The Federal Reserve Corporation achieves cancellation of credit and currency

The Low-Side Scenario

The High-Side Scenario

Cancellation of Credit and Currency Method #2:

No Redemption

THIS NOTE IS LEGAL TENDER

FOR ALL DEBTS, PUBLIC AND PRIVATE

The National Debt

Money, which does not disclose its backing or its surety is Negative Money, meaning that it is a receipt for stolen property, consisting of either deposits stolen from a depositor(s) or collateral stolen from the first borrower(s).

The total positive value, moved in this manner, is the

NATIONAL DEBT

which, therefore, is

THE AMOUNT OWED TO THE PUBLIC BY THE FED

and not the other way around.

The failure of government agents to perform in accordance with the Constitutions and Laws of the Land must be used as grounds to compel the governments to rebate taxes.

In that way, the intrinsic value or backing of the first community money can come from the enforcing of public accountability and from the consequent transfer of value back to the public through the rebating of government taxes.

Jews and Christians for the Preservation of America (JCPA)

(Page 55)

A Public Notice About History

(Page 56)

HISTORY ABOUT THE BANKING SCAM

2000 BC ---> present

2000 BC to the present (continuing)

1743 - 1812 AD – Mayer Amschel Rothschild

1776 (+) AD

1812 AD

1860 (+) AD

1913 AD

1913 AD

1914 AD, [1940 AD]

1935~ AD

1940 (+) AD

1960 AD

Street Currency of the Nation (Kennedy’s Executive Order)

The red-seal (covenant) United States Note

The Principles For Establishing A Lawful Local Currency

(Page 61)

Natural Persons, Unlimited Liability, Responsibility, Rights, Agreements,

Truth, Full Disclosure, Contract Law, Covenant Law, Commercial Law

Private Banker

Incorporated or Chartered Banks – State, "Silent" Partner

Protection Insurance Racketeering – Obey The State, Or Lose In State Court

Protection Insurance Racketeering – Federal Deposit Insurance Corporation

The Unholy Alliance – Thieves, Fencers, And Other Accomplices

Summary -- Banker/Government Blue-Sky Minus Money Banking Scam

Breach Of Contract

The Definition And Character Of A Currency

>The natural right, which every person has, to contract with others, coupled with the fact that currency is a method of contracting, means that every natural person has the natural right to produce a currency to consummate contracts by the public collection of debts.

Allowance Currency

Allowance Currency is specifically created for the direct protection

of the purchasing power of the community’s Labor Dollar.

Citation Currencies, Executive Citation Currencies, etc.

Backing

The Scale Of "Statistically Average Prices Of Items" or Purchasing Power

(See the Standard Definitions Of U.S. Dollars, by Industries of Cap., Gds., & Servs.)

The Coinage Act of 1792

>President Abraham Lincoln and President John F. Kennedy

Red-Seal United States Notes vs. Green-Seal Federal Reserve Notes

The Gold Standard

The United States Government has never audited the Federal Reserve Corporation!

New Concept of Banking – Allowance Note Dollars

Honest Money

The Dollar’s – Purchasing Power Scale

NEGATIVE EXCHANGE RATE

If you take the profit out of loaning Minus Money

to governments for war, then there will be no war.

Appendix -- Exchanges Between A County And A Citizen

(Page 76)

THE COUNTY’S STATEMENT IN ITS LETTER >>>>>>

THE CITIZEN’S RESPONSE TO THE COUNTY LETTER >>>>>>

The Form And Substance Of Negotiable Instruments

NOTICE OF INTEREST

Lawful Money Of The United States

"THIS NOTE IS LEGAL TENDER FOR ALL DEBTS PUBLIC AND PRIVATE."

Regarding The Subject Note

Lawful Money Of The United States

The Coinage Act of 1792 defines "lawful money" as gold and silver

Allowance Notes

The term "natural person" excludes corporations and all other fictional limited liability entities, which do not think, and hence cannot be held accountable for the intent to commit criminal acts.

Fundamentally, each natural person has the power, under the unlimited liability of a natural person and the right to contract, and under his own seal and his easily readable executed signature, acting as an non-titled natural person, or as a sole proprietor, or as a non-incorporated and non-chartered private banker, to issue a uniquely distinct street currency as long as the currency has a truly, completely, genuinely and honestly disclosed economic basis or backing for its existence.

THE FUNDAMENTAL RULE OF A CORRUPT GOVERN MENT

Understanding and regulating the quality of currency money is everybody’s problem.

It cannot be, it must not be, delegated to others.

PREFACE

Altruistic Government and Altruistic Banking

A correct understanding of money and economics requires a big step back into the history of money to see how we got into the government and banking mess that we have today.

I can save the reader some time, if I bring forth some basics.

A philosophy is a view of life. Religion and science are two terms that could be loosely defined as two views of life. What today we call science, was, one hundred years ago, called natural philosophy. An open-minded person can learn from every source.

Closed-minded people reap the reward of closed-mindedness and mental laziness.

If you want to know what a Hebrew or Jewish person thinks on the subject of creation, then get a copy of the Holy Bible and read the Old Testament.

If you want to know what a Christian thinks, read the New Testament of the same Bible.

If you want to understand infinity, space and time, then study mathematics.

If you want to understand creation, then study how infinity, space and time are related.

If you want to understand the universe, then study the part of creation that survived.

If you want to understand the earth, moon, sun, and galaxies, then study astronomy.

If you want to understand the rocks, the oceans and the atmosphere, study science.

If you want to understand light and lightning, then study electricity and electronics.

If you want to know how the universe or nature communicates, then study about radio.

If you want to understand intelligence, then study electricity, chemistry, and logic.

If you want to understand life, then study computers, biology, and psychology.

If you want to understand medicine, then study life, death, nutrition and resuscitology.

If you want to understand nature, then study telepathy, parapsychology, and theocracy.

If you want to understand God or Nature, then study all of the foregoing.

If you want to understand living, then ask someone who is homeless.

If you want to be loved, then love others.

If you want to be cared about, then care about others.

If you want to believe in someone, then believe in yourself.

If you want to be understood, then be understanding of others.

If you want to be a successful person, then choose the kind of success you can live with.

If you want to live, then find someone who needs a friend, and spend a day in a library.

Ask, and it shall be given you; seek, and you shall find; knock, and it shall be opened unto you. For every one that asks receives; and he that seeks finds; and to him that knocks it shall be opened. –Matthew 7:7...

At-one-ment

>The concept of at-one-ment is that God and God’s creation, Nature, are One Thing.

>Nature is the absolute and ultimate source of everything. No informed person denies it.

>All wealth and supply -- material, mental, and spiritual -- comes from the One Source that is infinite, all powerful, and all knowing, and man, as the expression of that Source, and acting as its servant, is worthy to be set free from the jeopardy of the food chain.

>One’s universal purpose is the management and protection of one’s portion of Nature.

>It is a self-evident truth that Nature has met and always will meet every human need.

>Mankind must fulfill its part and appreciate the gift, to be worthy and ready to receive it.

>An understanding of this leads naturally to enlightenment, invention, a natural supply of energy and wealth, distributed wealth in society, mutual respect, honor, and the peaceful solution of even the most difficult social and technological problems.

This attitude is also the basis of altruism, altruistic government, and altruistic banking.

The self-limiting condition of our society today is that man thinks that he is the most important source of everything, and that man must monopolize every aspect of nature for himself in order to survive. This view of life, leads to a sense of future limitation, greed, theft, and war.

This attitude is also the basis of egoism, egoistic government, and egoistic banking.

Our current government and banking systems are based upon egoism, and tend to reinforce the egoistic view of life.

The primary causes, of the system’s failure to perform for the public, have been greed and ignorance.

The greed causes an exercise of fraud consisting of very artful deceptions.

The ignorance has kept the public from being able to defend itself from the fraud.

The world is in disorder because the operators of its government systems and banking systems have learned certain methods of deception, which make government and banking profitable for themselves, but devastating for the public.

Government systems and banking systems have been deliberately operated on the basis of "Where there is confusion, there is profit, and the more confusion, the more profit."

It has been an egoistic system for thousands of years, with "each banker for himself", and against the public.

Clearly, the Altruistic and Egoistic viewpoints are very different.

Nature is the central object of Altruism.

Man is the central object of Egoism.

Altruism emphasizes the importance of Natural Supply.

Egoism emphasizes the importance of Personal Material Status.

Altruism emphasizes supply and charity.

Egoism emphasizes demand and greed.

Nature is the teacher.

Man is the imitator.

Nature presents to us the way, in which things work in Nature, and, being part of Nature,

we must extract the lessons of Truth from the experience, which Nature provides for us.

The Old Testament and the New Testament of the Bible show the evolution of man’s thinking from egoism to altruism.

The old egoistic view of government and banking arose from a hard-life food-chain survival experience in a harsh desert land, and so understandably it tended to be extremely self-serving, territorial, and monopolistic.

As time went by, the Hebrew prophets gained and expressed a greater understanding and respect for Nature. The twenty-third Psalm gives a view of this.

The altruistic view of government and banking evolved from the recognition of Nature’s gift to mankind, and evolved toward a new sense of distributed wealth.

(See Matthew 5: 43-48.)

Matthew 5: 45 : He makes His sun to rise on the evil and on the good,

and sends rain on the just and on the unjust.

This is a statement regarding the equal protection of the laws of Nature as it must be applied in civilized society, or self-destruction will be the result.

Nature Creates Energy -- Man Creates Money To Represent Energy

Nature creates and provides all of the energy that man uses whether it arrives as food, gasoline, or electric energy.

Man does not create energy.

Just as the energy of the world comes from Nature, so also all of the money of the world ultimately comes from Nature.

If Nature did not exist, man would not exist, man’s need for the money would not exist, and the money would not exist.

Allowance Currency and Transfer Currency

There are two fundamental classes of currency in a real-world economics system.

The two classes of currency are Population Notes and Transfer Notes.

The Population Notes can also be called Allowance Notes.

Money

Money represents the energy of Nature.

The creation and equal distribution of New Money, called Population Notes or Allowance Notes, is the fundamental basis of Altruistic Government and Altruistic Banking.

All other Notes are Transfer Notes that operate on the contract principles of reward for service, and rebate for disservice, and especially rebate of taxes by government because of its failure to provide the contracted service, and because of its delivery of disservice.

Man creates money, in the form of Transfer Notes or Transfer Currency, to be used as a moving record, to be able to sell and buy the matter and energy created by Nature, to be able to trade one form of matter or energy for another.

The Source Or Backing Behind The Note

The backing behind the Note of money is matter or energy, whether it is in the closed-loop form of stored energy, which we call matter (E = mcc), or in the open action-available forms, which includes what we call potential energy, or the energy of position like a rock standing on a hill, or what we call kinetic energy, or the energy of motion, like

a rock falling from a hill, or water falling from a lake through the turbine of a dam operating a generator to push electricity through wires.

The Note of money is not the matter or energy itself, but the evidence of the right to possess it, to sell it, or to buy it.

Allowance Notes – Responsibility Versus Theft

In an intelligently operated economy, each person is responsible for his own share of the creation of the money put into circulation.

But, if the public is kept ignorant about this responsibility, then greedy, dishonest, and predatory people can steal that natural right to create more than their equal share of the money.

And, since the money has the power to purchase the matter and the energy of life, those who steal the power to create the money also steal the property, which the money can purchase.

If we want a government system and a banking system, which will work continuously without depressions, then we must understand and imitate the workings of Nature, on both the supply side (altruism) and on the demand side (egoism).

Energy Systems

An energy system must have two things to make it useful, a source of energy and a control device.

We will view each of these two things with respect to each of several energy systems.

The First Thing In An Energy System -- The Source Of Energy

The first thing that every system must have is a source or supply of energy to make it work or it does absolutely nothing.

The body needs food.

The automobile engine needs gasoline.

The electrical system of a house needs electric energy from a generator, usually at a dam or steam plant.

The radio or cellular telephone needs a battery.

The system of commerce needs money.

The Second Thing In An Energy System -- The Energy Control Device

The second thing that all of the energy systems have in common is control devices, which control the flow of the matter and energy.

These control devices are called passive or active depending upon whether they are a steady-state control device or an active control device.

Passive controls regulate the steady state flow of matter or energy.

Active controls change the amount of the flow of matter and energy.

Passive Controls

A simple example of this is the flow of water through a garden hose.

If the water flows through a ten-foot long hose, then it meets a certain amount of opposition because of the friction between the hose and the water.

With a certain amount of water pressure, water will flow through that hose at the rate of so many gallons in each minute.

But, if we put one mile of the same kind of hose between the faucet and the output end or nozzle, then the water will meet more friction and resistance, and less water will flow out of the hose in each minute.

The length of the hose controls the flow of water by its natural property of friction, which is not a control by a gate or a valve.

The hose is said to be a passive controller of the water flow.

Active Control – Gates And Amplifiers

If a person stands on the hose or bends a kink into it, causing a part of the hose to be pinched flat, then this action causes the water to be stopped under the influence of the external interference or control.

This control is called a gate or amplifier.

The Automobile Engine

The amount of gasoline that an automobile engine gets in each second, determines how fast it rotates and how much work it can do in each second.

The idler screw on the carburetor controls the steady minimum flow of gasoline and the

minimum speed of the engine.

The accelerator pedal or gas-feed pedal controls the amount of gasoline that is added to the idling amount.

The gasoline control system and the engine are an amplifier. This is obvious because it takes very little work to push down on the gas pedal compared to the amount of work that is released from the explosion of the gasoline to propel the automobile and lift it over hills.

The Electrical System – Three Passive Controls – The Switch Amplifier

In an electrical system, various devices called conductors (or resistors), capacitors, and inductors control the steady state flow of the electric currents.

These are called passive electrical devices.

But, switches are used to turn the electrical flow "on" or "off".

Switches are active controls or amplifiers.

The operation of a simple switch with the pressure of one finger of the hand can easily switch "on" or "off" the electricity flowing to a one-horsepower motor, which can lift a five-hundred pound weight through one foot of elevation in each second.

The Radio Receiver Or Cellular Telephone – Three Passive Controls –

Vacuum Tube Amplifiers and Transistor Amplifiers

A radio receiver or cellular telephone (cell phone) operates on an electric current pushed through its wires by a battery or other source of electrical energy.

When the switch is turned to the "on" position, a steady state flow of electricity is established by the passive devices, which the electronic device contains called conductors (or resistors), capacitors, and inductors.

Then control devices, amplifiers called vacuum tubes or transistors regulate the electric current and power delivered to an earphone or loudspeaker under the control of a very weak electrical wave coming through the air like a light wave and received by a wire sticking out of the radio or cell phone.

The Money System – An Energy System

The money system is an energy system, and it works like any other energy system,

whether you compare it to an automobile engine, the electrical wiring in a house, or a radio receiver or cellular telephone.

Comparison Of Energy Systems

All of these energy systems are exchangeable.

Food, gasoline, electrical power, and money are all different ways of presenting or expressing energy.

Money is the most difficult to understand because food, gasoline, and battery chemistry are all real, and money is symbolic of all of them.

Money is the device used to trade the supplies of food, gasoline, and electric energy.

The Money System

In a properly established money system, Nature provides the flow of energy, which must be represented by a steady-state flow of money (Allowance Notes).

This steady state flow of money exists in proportion to the population of the people in the system and the ability of those people to use the energy.

Each person will be represented by the amount of money, which they need in order to survive (idling) and to grow (accelerating).

The same three passive devices exist in a money system, which exist in a radio or any other energy system, and these devices control the steady-state flow of money in the system.

Each of these three passive controls is represented by an industry.

The conductance (the opposite of resistance) of electronics corresponds to the goods industry in economics, and determines the daily flow of matter and energy through a production line to produce the daily output of consumable items for the consumer public.

The capacitance in electronics corresponds to the elasticity of the capital industry in economics and determines the stock, which must be kept on hand in a stock room for the future to maintain a production line (for example, in a squirrel’s world, how many nuts a squirrel must store in order to get through the winter).

The inductance in electronics corresponds to the mass or inertia (work habit) of the labor industry in economics and determines how many hours of labor must be supported each day in order to maintain an already established production line necessary to produce consumer products.

Every living thing is composed of an unimaginably large number of microscopic industries, each of which is governed in its steady-state condition by the same three factors of a large system, that are necessary for sustaining the economic processes of life.

The body has a very wonderful system of banking, industry, and government, much more complex than the system of banking, industry, and government of the whole human population of Earth.

The Active Elements Of A Money System – Contracts – Transfer Notes

The active elements of a money system are the devices, which turn "on" and "off" the flow of money.

These energy transfer controls are called contracts.

EVERY NOTE OF MONEY OR CURRENCY USED IN COMMERCE TO SELL,

TO BUY, OR TO CONVEY SOCIAL ENERGY MUST BE A CONTRACT.

Allowance Notes Currently In Use In America

The natural flesh-and-blood laboring individuals of this country are the real sovereigns of this nation because they are the productive elements of the society.

They have the natural right and power to protect their labor and the fruits of their labor, and to do this by being the ones to issue the money and the currency of the nation.

For more than two hundred (200) years, the overall behaviors of nearly every office and department of the U.S. Government, and especially of the U.S. Congress, have proven, beyond a shadow of a doubt, that they regard their common citizen constituents, the public, with contempt as ignorant and gullible slaves, and that the power to issue the money or the currency of the nation cannot be entrusted to them, must be taken away from them, and must never again be delegated to them.

The Allowance Notes necessary to establish the steady-state condition of the economy are being issued and sold to the government to be spent into circulation in the public domain at the whim of a private corporation, the Federal Reserve Corporation, with the blessing of the U.S. Congress, instead of their value being distributed freely and equally among the total population of the nation under the control of the common people, who are the laboring sovereign producers who finance the Government.

Allowance Note currency is a U.S. Constitutional First Amendment statement of the contract between Nature and Man, acknowledged and issued by the common citizens.

Transfer Notes -- The Contract

The contract of a Note must define seven specific things in order to describe a real money transfer or transaction and be consistent with the laws of Nature.

The Note of money must state:

>(1) the three parties who are sending, controlling, and receiving the matter or energy of the transaction.

>(2) the events (facts), which involve each party to the transaction. This includes the events, which determine the supply, the control, and the delivery of the matter or energy.

>(3) the ledger or amount of the matter or energy, which are to be transferred.

>(4) the surety or party, which guarantees the supply of the matter or energy.

>(5) the exhibits, which prove the facts and laws, which guarantee the Note value.

>(6) the certification of the Maker of the Note, given on his or her own liability that the Note is true, correct, complete, and not misleading (truth, whole truth, nothing but truth).

>(7) the evidence that the signature of the Maker is real, or that something is on file in a publicly accessible location that can be used to verify the foundation of the Note and confirm the Maker and Value thereof. The ability to communicate directly with the Maker of the instrument is one of the best source guarantees of the validity of the Note.

The Transfer Note currency in use on our public streets today is far below the lawful standard for money based on contractual information.

An Overview Of The Minus Money Banking Scam

Willie’s Money-Talks

Hello folks, my name is Willie, and I’m going to talk to you today about money.

It’s going be a short talk cause I don’t have much of it. The little I’ve got to say needs to be said. And, it’s easier to understand than the fancy theories of economics and money.

You know being a poor person, you just gotta love the small things of life, cause that’s all you got. When you lose a friend, you lose a lot, so you don’t want to hurt anyone. And when you look around and you see how the people who care never seem to have what the tough man has, you just naturally feel like life just isn’t fair. And you sometimes think that God is out to lunch. But if you pay close attention and listen to that small voice inside that tells you when things aren’t right, and give it a chance to speak its piece, you be surprised what an education it can give you. The school that a man makes and sends his kids to is never as good as the school that the Creator built and sends us all to. It doesn’t cost money and the lessons don’t stop until we close our minds, or die here. We’re given everything we need to eat and wear from the sunshine, the rain, and the earth, and the only thing that gets us into to more trouble than we can handle is the crazy idea that we got to have more than our fair share of something that’s supposed to be shared. But some people don’t take stock of what they have, and don’t see the tears in another man’s eyes. And after a while of man taking more than his share, the world gets ugly and life becomes a veil of tears.

I’m a simple man. I have lived most of my life on faith. I am over three score years old. I’ve never had much money because I always thought that money wasn’t as valuable as knowing where to set my foot down on the ground in the next step, not wanting to break a blade of grass. I never liked the idea of cutting a lawn of grass because I felt that if the Creator gave it the power to grow, then I should understand that there was a reason why it grew the best and got the greenest that way. And you know that man has got the green of money confused with the green of grass. If you don’t break the laws of nature, if you don’t cut the grass too short, then it can take care of itself. The same is true about money. If you don’t print too much of it, then the money that people earn by the sweat of their brow doesn’t get diluted, and money depressions don’t happen. If the people who printed the money for the street trade, understood that it represents the sunshine that the Creator freely gives to each and every person, and the printer freely gave to each and every person their same small amount of the money to spend in the marketplace, instead of loaning it for a price as if all of it was the property of the printer, then the struggle for the control of it would never become an object of greed, or a reason for taking a man’s land or a piece of his life from him. Some of Nature belongs to man, and a man’s money is his title to some of Nature, but some of Nature belongs to Nature. You got to know where to draw the lines or you are going to be eating your own foolishness. So let’s look at the thing that man worships, that’s green like grass, but won’t support life without a little help from the sunshine and the poor laborer. That thing is money.

Seed Money

In the old times, as the Bible says, people made their way by hunting and fishing. They went to and fro like other animals. But then someone saw that where he dropped part of his food, it grew up again. He learned that everything came from a speck of something else. He called it "seed". Well he didn’t know why or how, but he knew it worked and that it produced more food than it took to get it started. This was man’s first experience of getting more than he gave, but he had to work for it. It took earth, water, air and sunshine, planting, harvesting, and pulling the weeds. And it got to be so much of a job to keep up with it, that he had to get help to grow it, to collect it, and to pull the weeds. So he had to learn to get along with others. He had to make rules to keep the food coming from the earth, and after he got the food, then he had to have rules for distributing it to the laborers and to keep it away from thieves.

The food was valuable and could be traded for other things. It was manna or money. And when it was in the form of the seeds themselves, it was easy to divide and to trade with. Instead of counting the grains themselves, it was easier to make weights and to weigh the grain instead of counting each seed of grain. A person could always check the weight by counting the dry grains, which made the weight. But there were those who used false weights and measures so that they could get more than their fair share of things in the market.

The First Governments

A special group of people was appointed to check the weights and measures, and to protect the market from thieves and from barbarians and from vandals and from enemies from other lands, and to settle fights between the people. This method of governing the activity of the people became known as the government.

As time went on, the people who labored as workers in the government discovered that they could do things with the power of government that were what they wanted to do, and that the common people were so busy just trying to survive that the common people could not keep up with the governors.

The grain was the food, and the government people learned how to use the opportunities and power of government to steal the food and make the public labor five times for the food, once to plant it, once to grow it, once to harvest it, once to pull the weeds, and once to get it back from the government in services promised by government agents. This way those in power could lay back and enjoy the pleasures of life and send all of the misery to the poor common laborer.

The world got to here from there. But the common man was kept ignorant of all of this so that he could never get his natural freedom back again. The truth isn’t taught in school because an educated person is dangerous to governments. And that applies to the governments of religions as much as the governments of people.

The Food Chain

A person has got a body and a mind. Some other animals are smart, but man has the advantage over the animal as long as his body doesn’t run away with his mind, and the two don’t run away with his soul.

It all gets down to food, money, and greed. It doesn’t take much looking around to see that something is out of balance and about to tip over. So lets look at the pieces and solve the puzzle.

You see, in the beginning food is money, and greed is the wanting of all of it. To get the food, someone has to labor for it. The thief tries to get the food without doing the labor, and when he gets caught he gets to do the time if the court is honest, and that gets to be a bigger problem every day because the court gets a piece of the action from the thief.

At some point other things like gold and silver and copper metals are used for money in the place of grain because they don’t rot and they don’t wear out and they can be made in any weight and size and shape, and can be divided by cutting without losing value.

But then robbers steal the gold and silver and copper instead of the food.

The First Banks

So somebody sets up a business to protect peoples’ money.

He suggests and assumes the appearance of power, so the people soon give it to him.

He dresses smartly, and he puts their money in a safe and strong walled building that he calls a bank, that is powerful looking and permanent looking, and calls himself a banker.

People pay the banker to keep their gold and other money safe from thieves for them.

He is really a private banker because he is personally responsible for the money he takes care of, and, of course, those people have got to believe that the banker isn’t a thief.

The banker gives the money owner a writing called a warehouse receipt or bank receipt, which tells the money owner how much of his money the banker has got in his bank.

The receipt has got to look "real good" because the owner has got to look at it every so often to convince himself that its real, and that he hasn’t been hoodwinked. If the banker’s name is Mayer Rothschild, then the bank receipt is called a Mayer Rothschild Bank Receipt.

So far, everything is about as simple as protecting gold is ever going to be.

The banker’s receipt contains a promise from him to pay the money back to its owner.

Eventually some money owner gives or assigns a bank receipt to someone else, who then becomes the holder or bearer of the bank receipt, and then gets the power to present the bank receipt to the banker to get the money. Now the banker must give up or redeem the money or property of the original money owner to the holder of the bank receipt instead of giving it to the original money owner. The banker can arrange these events to happen.

Now that the bank receipt, that represents the gold or other property in the bank, can travel around from any person to any other person, and can be used to get the gold or other substance or valuable thing from the bank on demand, it becomes very much like money and people use it as if it has its own value. The bank receipt begins to look alive.

Of course this is an illusion, because the bank receipt is only a written or printed piece of paper. The bank receipt can be used to get something of value, so it seems to have value. This suggested or mystical value of the bank receipt paper comes from the hypnotic acceptance of the paper as a valuable thing because of the public’s faith in its human creator, the banker.

The bank receipt is a religious device, because both the original owner of the value or property and the current holder of it must have a personal faith in its human creator.

Banking is a religious experience and a bank is like a synagogue or a church.

This is a very important concept, because, as you will see, it is the suggestive or hypnotic effect of the bank receipt that later allows a dishonest banker to do miracles with it.

The banker keeps accurate and detailed records of how much money he has in the bank and how much money comes and goes each day.

The banker discovers that people find his bank’s receipts so much easier and safer to carry and to move from hand to hand than the gold itself, that only about one dollar out of every ten dollars of the gold ever leaves the bank to pay back, or redeem a bank receipt.

The banker notices that the people that have the bank receipts are being careless and lazy.

They should be checking up on their bank receipt money, and they aren’t.

There should be a public record of paper bank receipts that are being used as money, even if it is for no other reason than to prevent the counterfeiting of more bank receipts.

But, in the beginning there is no simple means of sufficient communication to do this.

The only way for the people to know whether or not the banker’s receipts are good is for all of the holders of the receipts to bring in their receipts at the same time to find out if the banker has enough gold to redeem all of them at the same time.

Without this test, it is difficult to know what the banker is doing, and the banker knows it.

The banker has noticed that the holders of the bank receipts are leaving nine out of every ten dollars of the money standing idle in storage in the bank, with nobody but the banker watching it. When the cat’s away the mice will play, which here means that when the owner is away, the banker will play with the owner’s money and property.

If that banker is predatory, and that’s what this story is about, he sits there staring at all that glittering gold, knowing that the common people can’t know what he knows, about what he is doing, about what he is tempted to do, and about what he is about to do.

Even he can’t believe that he is thinking it. He is asking himself if he is missing some kind of good deal, or if he just lost his marbles. He knows that the true character of a man is what he would do if he knew he would never be found out, but he doesn’t care about character, and he doesn’t think he can be found out if he is clever. His attitude is that a person who doesn’t use his brains, even to make risky or socially wrong decisions, is no better off than a man who has no brains and is therefore a beast of burden and steaks on the table by choice and consent. His attitude of contempt is as shallow as the attitude of contempt of some of this nation’s forefathers in taking the religious position that a black man’s got no soul because he’s black, so as they can claim that dominion over the black man is dominion over a beast of the Earth, and then use that as an excuse to take away his freedom and to make a slave of him and to sell his wife and to sell his children for a profit. That’s a heart breaker.

The Illusion of Honesty

Let us say that ten people each give the banker one dollar of gold to take care of and to guard. He gives each of them a one-dollar bank receipt for their one dollar of gold. He then has only ten real dollars of gold in his bank, and only ten dollars worth of real bank receipts out into the world. He is still an honest banker.

Now we are going to watch the banker move in slow motion like looking at a piece of movie film frame by frame to see how the banker moves like a lion and works like a magician to do his slight of hand magic tricks and become a very wealthy predator.

His experience tells him that only one dollar out of the ten dollars of gold in his bank will be active and will move out of the bank, but nine dollars of this gold will stand idle in storage in the bank, while nine of his bank receipts circulate on the street as if they were ordinary cash money not needing the nine dollars worth of gold in the bank for their existence. Because of the physical distance between those gold dollars and the bank receipts, it appears that those bank receipts have a real existence of their own. Nobody sees a physical umbilical chord connected between the gold in the bank and the receipts on the street that gives the bank receipts their real life force and feeds them with energy. The connection between the gold in the bank and the bank receipts is a private agreement between the banker and the owners of the gold. The public does not actually see this limitation, and prefers its own sicky sweet fantasy of the banker being infinitely wealthy and able to do with the gold as he wishes, because then it is one step closer to being theirs. It is like the destitute people of the thirties going to the movies to see how the wealthy people live and wish they were one of them. It is also important to see that every bank receipt that gets redeemed builds the reputation of the banker as being an honest man, and is an advertisement for his services and a statement that he has gold, more and more gold. The public hunger for that gold begins to hypnotize the public and magnify the banker’s real size to something bigger than reality. He is human, but every day he grows to look more and more like a god to the public. Before very long, he looks so god-like that nobody who wants to get close to some of that gold is going to criticize the banker’s judgment for fear that they will not be able to have some of that gold some day if they anger the god. Public covetousness is making the banker into a god.

>One dollar of gold moving out of the bank to redeem a bank receipt has been enough activity to create the public impression of an honestly operated bank, and ten dollars worth of gold in the bank has given the banker the power to issue into the world ten dollars worth of publicly accepted paper bank receipts, all of which are real and redeemable. For the moment, he is not sending out any bank paper for any of the gold standing idle on the bank’s floor.

You see, the gold isn’t really standing idle on the floor, because it is the power behind the bank receipts on the street, which will circulate outside the bank as cash with no one trying to redeem them until people need the gold itself. The god-like appearance of the banker’s honesty coupled with his god-like power to display a mountain of gold to anyone who comes into his bank to see it at any time, coupled with the needs and the covetousness of someone who would borrow some of it just to be able to say that he held some of the god’s gold in his own two hands, will allow the banker to hypnotically stretch the reality into an illusion that makes his subject’s heart pound like a hammer.

The banker appears to be a lord, with the magical power to raise up life out of dust, and to give something for nothing by redeeming paper bank receipts with gold, and so he is also believed to have the power to give to others the wealth that appears to be his own, and the power and the responsibility to take away that which he declares to be not properly used. For doesn’t the Bible say that what the Lord giveth, the Lord taketh away?

The stage is set. He has a plan.

>(1) He will loan the gold which has been deposited into his care and appears to be unused and standing idle on the floor of his bank.

>(2) He will charge interest for the loan.

>(3) He will require the borrower to pledge collateral property to him to secure the loan.

>(4) He will demand that he have some power to manage the use of the money, which he has loaned.

>(5) The people have already accepted other paper of his bank as money. So, he will loan the gold out in the fantasy form of paper loan receipts, which he will call "Bank Notes".

The use of his "Bank Notes" as money will make it unnecessary for the gold to leave his bank, as long as he can get the money back as Interest and Foreclosure Booty as fast as it goes out the door of his bank as "Bank Notes". This will require that he call in his loans before the due date of the loans by undermining the position of the borrower, by the use of informal meetings with, and clever interrogations of, the borrower to discover the borrower’s weaknesses, and by the use of a pattern consisting of suggestions, leading to arguments, leading to entrapments, leading to conspiracies, all of which will be easy for him to manipulate because he has the reputation of being a god in the world of finance, and someone to be heeded, not to be argued with..

Minus Money – Money Backed By Nothing

When he uses his "Bank Notes" to loan gold, which only appears to be his own gold,

he is jeopardizing the property rights of the real owners of the gold, even if the gold stays in his bank while his "Bank Notes" circulate as money on the street, because the borrower could come into his bank at any time and ask for some of the Notes to be paid in gold.

In other words, the banker is technically committing the crime of embezzlement.

This means that his "Bank Notes" are backed by nothing.

This means that his "Bank Notes" are Minus Money Bank Notes.

The banker is now in the position of being able to "loan the gold standing idle" on the floor of his bank, gold that belongs to someone else, gold that belongs to the depositors,

gold that is already represented by bank deposit receipts circulating on the street.

The banker suggests and represents to a possible borrower that he has gold that he can loan, to test the ignorance, suggestibility, and hypnotic susceptibility of the borrower.

If the borrower shows a strong interest in borrowing the gold, then the banker knows that the borrower will be as pliable as clay in his hands.

The banker loans the depositor’s gold to the borrower by making the borrower write to him a Promissory Note in which the borrower pledges that the borrower will repay to the banker a certain amount of money on a certain day, or, if he fails to do this, the borrower will give up his other personal property down to his innermost garments, and turn it over to the banker. The other personal property, which the borrower promises to surrender to the banker under the conditions of the promise, is called a collateral property or a surety, and it is like money or a ring or jewels or even the title to a piece of real estate that a man puts down on a gambling table in order to be able to sit at the table and play the game. If the man loses the game, then the money moves across the table to the winner of the game. The pledge of the collateral property or surety is there in the promise to make it look like the banker is trying to force the borrower to perform on his promise to pay, and to make it look like the banker is making an honest deal with the borrower. But the banker really wants to foreclose on the promise, because he made sure that he didn’t make the loan unless the collateral property was worth more than the loan repayment.

The banker knows that he has to foreclose on plenty of property in order to have enough money to cover his crime of creating minus money, when the scam starts falling apart.

Before this event, the banker had to honor his own bank deposit receipts and surrender the gold in his bank to redeem his own bank deposit receipts that he had to sign as a protector and trustee of some owner’s gold. But now the shoe is on the other foot, and it feels fine, and it doesn’t pinch unless, of course, the banker finds that he can’t be ruthless enough to people to get enough real interest money and foreclosure money flowing to him to keep his minus-money scam from being discovered.

As soon as the borrower gives the banker a Promissory Note, the banker pulls a bait and switch scam on him. No good magic act will work without some kind of slight of hand gimmick, and no slight of hand act will ever leave out a bait and switch scam because that is what slight of hand is. It is bait and switch. That banker is going to keep as much of the gold at his bank as he can even if he has to hire thieves and newspaper reporters to stand outside of the front door of his bank to make people afraid to take the gold out the front door of his bank. Gold is lumpy. Bank Notes are flat. And checks are flatter. That’s because gold is easy to move, bank notes are traceable, and checks are billboards that say, "Come and get me. That isn’t my name on that check." He baited the borrower into signing his Promissory Note, so now he keeps the gold in his bank by offering the borrower the banker’s own fancy printed Mayer Rothschild Bank Notes. Whoopty ding!

Now who, in his right mind, is going to tell that benevolent and highly respected human god, that has just loaned him a small fortune, that he isn’t going to take the fancy printed Bank Notes that everyone in the community is going to honor as redeemable for gold at Mr. Rothschild’s bank.

The banker knows the animal side of human nature. The banker has learned by experience that if he has the gold, then he has got the look of power, even if it isn’t his gold, and even if the world knows it isn’t his gold, because there is always going to be somebody wanting to use something that doesn’t belong to them. He can feel the power, by the way people are affected by him having the gold, even if it isn’t his. Even his most knowledgeable customers know they don’t want any responsibility for stealing money from its owners, but he figures they don’t mind letting him pretend that it is his to loan, as long as they can make it look like a deal to borrow it for a price and use it. The banker’s belief that the borrower is often of a like mind as his own, makes it easy for him, in the privacy of his own heart of stone, to turn all the blame on them later for letting him steal something for them, and makes it easy for him to take it all back again before it’s time for it to go back, on the grounds that they didn’t deserve it, they didn’t use it right, and he’s the guardian of the community’s money, so he has just naturally got to get it back before they spend it on something crazy and screw up the community’s financial condition. He plays the savior role and makes the borrowers think they have got to give the money back before the time it is due to be paid back, in order to help the banker, the community, and also the borrower if the borrower ever expects to borrow money from him again. How is that for flim flam. Knock it if you want to, but look around you real good. It sure does work. The borrowers don’t care how the banker got the money, whether it was by a good way or a bad way, as long as the banker could loan them money, and it worked for them.

And he’s going to rely on the same shallow logic to get it back with interest by foreclosure. That’s the food chain mentality, and he figures that they are his lawful prey.

This illusion will work to the advantage of the banker, if the persons who get the minus money bank paper don’t bring it back so fast that it starts sucking the gold reserves out of his bank. If the people who present bank receipts or bank notes are turned away they will be very angry. Even worse, if any of the original people who deposited gold in his bank do not get their bank deposit receipt changed back (redeemed) for gold, they might be angry enough to seek revenge on the banker.

When the demand on his gold increases, his banking business gets terribly dangerous because he has loaned paper minus money to people based on gold that they thought was there, but was an illusion that he put into their minds. He has to cut back on making new loans of minus money. This causes a business depression in the community. This makes money even harder to get, and this causes even more returns or redemptions of his Bank Notes for gold, making his banking business even more dangerous. But there is a bright side to this picture for the banker if he has planned things right so that he can survive the fall of the scam, and that bright side exists for him because the scarcity of money in the community means that the borrowers will not be able to repay their loans on the due dates of their loans and the banker, with the help of the courts, will be able to foreclose the loans and take the surety or collateral property that the borrower promised in his Promissory Note to deliver over, down to his innermost garments.

The community would not have to sink into periodic financial depressions if it were not necessary for the banker to eventually foreclose on his bank loans in order to steal his money back before the minusness of his Bank Notes was discovered.

As time goes on, the communication between people improves greatly and the chance that the banker’s scam will be exposed also increases greatly.

The banker finds that he must include an ever-widening circle of friends and accomplices, including government officials, officers, and their agents in order to perpetuate his Minus Money Paper Bank Note Scam, and to prevent discovery or correction of the Minus Money Paper Bank Note Scam.

This is when things get very interesting for the banker, as you will see as you read on.

The Nature of Money

In America, a "dollar" is the name given to a certain money weight measure of gold.

I have been using gold as an example of money because everyone can understand it,

but money doesn’t have to be gold or silver.

Money includes also bank checks and demand deposits.

The Webster Dictionary says that money is anything having a conventional use as a medium of exchange and a measurement of value.

Well, that means that carrots, measured by the pound, could be used as money if they were taken good care of, or were used fairly soon before they dried out or rotted.

If people are starving they will give up the orange of Gold for the orange of the carrot.

And if they got cancer they will give up the orange of Gold for the orange of the carrots, because carrots cure cancer, so do grapes, and asparagus, and peace of mind, and sleep.

And gold won’t always bring you peace of mind, because too many people think it’s worth stealing. That’s a fearful situation that the wealthy can have. I don’t need it.

Better is a crust of bread eaten in peace, than a banquet held in fear.

So, you see, there is no such thing as a gold standard unless you want to measure everything in terms of gold. Then the value of gold has to be measured by the labor it cost to dig it up.

Or maybe gold is valuable because gold is near impossible to digest, so that gold wire much thinner than a human hair can be used for surgery for tying people up inside because the body can’t digest it. That gold wire took time and labor to produce.

Or maybe gold is important because if it is plated on wires it will make them conduct an electric current on the slightest contact with each other.

Gold has its usefulness, but it is overrated.

Life and love are both more valuable than gold.

And time is more valuable than gold, because all the gold in the world won’t buy one second of it directly. It has got to be purchased as labor, or as a part of someone’s life.

So, we have come closer to the truth by looking at the things that are really important.

A dollar is the measure of a man’s willingness to sacrifice of himself to be able to purchase something else, for it takes honest labor to get an honest dollar.

Abraham Lincoln said it simply for the most humble of occupations, that of a sage.

He said that a lawyer’s time and advice are his only stock in trade.

There is no gold standard for the Dollar, unless some ruler wants to rule the market.

The Dollar of money is simply defined by what a man can expect to get for it.

Every material thing he wants is somewhere on the price scale of purchasing power.

He labors to get a measure of purchasing power, measured in Dollars, and after he labors for that purchasing power, he expects to be able to exchange it for that which he labored.

Circumstances and situations can cause some things to change their average prices or positions on the scale of purchasing power, but a little shopping will establish the general amounts and ranges of the expected prices relative to food.

Many people enter politics and government for honorable reasons.

They don’t realize that many of the people who got hold of the governments of this world, did it because they were greedy.

The more they worked the government their way, the better they got at using it for their own purposes.

They got clever at it.

So many got so clever at it that it became an organized effort.

The goal of the organized effort was to get all of the property of the world into the hands of one group of people, before the world could figure out what happened.

Now that sounds like an impossible task, so who would even think that it could be done. And if you said that was the object of somebody or some group, you would be punished by anybody that didn’t want to deal with the pain of thinking about it.

Being a bearer of bad news is a bad news situation for the bad news bringer.

Well, many books have been written on this subject, so the cat is out of the bag.

So, now the predators have got to hurry to steal all of the world’s property before enough of the world can figure out the Minus Money Paper Bank Note Scam and bring them under control.

There, you have it, and you probably already had it, and now you recognize you had it.

I have told you what I learned about how the Minus Money Paper Bank Note Scam works.

Mind you it has taken about three hundred years for the bad bankers to steal the world.

Every group involved in the theft has realized some profit from the scam on the way getting there. Now it is time for the Government of the People, by the People, for the People to include the Common People and their Communities, and to issue honest money.

And while you are trying to do this for yourselves, don’t let the Predatory Bankers get your male population out of the country fighting a foreign war so that there won’t be anyone at home loyal to you to protect you from the final act of The Great Foreclosure.

Understanding And Regulating The Quality Of Money

Money is everybody’s responsibility.

It cannot be, it must not be, delegated to others.

If the people do not care about the valid ORIGINS OF MONEY, then they will become slaves to others, who will then be free to determine the ORIGINS OF MONEY, and who will then be free to unlawfully sell into circulation, their so-called "money", to gullible people.

Egoism is excessive thought of one’s self – (selfishness).

Egoist – One given over to egoism, or thoughts of one’s self.

Altruism is regard for, and devotion to, the interests of others –benevolence.

Altruist – One who believes in and practices altruism.

Altruistic – Regardful of others; beneficent; unselfish – (opposed to egoistic or selfish).

Extreme EGOISM could be manifested in the form of theft, economic enslavement, etc.

Extreme ALTRUISM could be manifested in the form of the enforcement of natural human rights, and the correction of government by individual people and by organizations.

The Three Fundamental Industries

As civilization evolves, three distinct types of industries become recognized.

These three types of industries are the capital industry, the goods industry, and the services industry.

The capital industry is basically engaged in the extraction of raw materials and energy from Nature to provide the means of life and labor. Food, which provides the raw materials and energy for life and labor, is the original Real Money of commerce.

The first capital industry is hunting, and the second capital industry is agriculture.

They both yield FOOD for LIFE and LABOR,

The goods industry is engaged in the manufacture of useful things from the raw materials and the energy provided by Nature. This industry is already well understood.

The goods industry is also called the consumables industry, meaning that it produces articles that are consumed. The consumable articles referred to are those things, which are immediately used or lost, and those things, which are used in the manufacture of consumable items, such as tools and machinery.

The services industry is the labor industry. The fundamental service of the services industry is procreating and raising laborers.

The best-known service of the services industry is providing the labor force for the manufacturing and supplying of goods.

Old Industry and New Industry

In the early civilizations, it is not necessary to recognize the distinct industries.

As the knowledge of the Laws of Nature increases,

...the technology increases,

...the human access to the raw materials and energy increases,

...the lust for power increases,

...the self-servedness increases,

...the egoism increases,

...the impatience and contempt toward others increases,

...the corruption of government increases,

...the power to make war increases, and

...the senseless death and grief of war increases.

...For all of the wrong reasons,

...the knowledge of the Laws of Nature becomes more valuable.

The egoistic application of technology

...leads to war between self-serving egos,

...destroys the altruistic foundation of civilization, and

...collapses civilization.

But one could hope that all of the grief produced from all of the mistakes

would teach a lesson, and that intelligent man could learn from his mistakes.

In a highly advanced civilization, it becomes necessary to mathematically define every step of every industry involved in every industrial operation in the civilization in order to get the maximum yield, use, or value out of a given supply of material and energy.

Everything in the civilization gets cataloged, measured, and mathematically related.

As civilization evolves, three distinct types of industries become recognized.

These three types of industries are the capital industry, the goods industry, and the services industry. The science of "the definition and control of industry" is known as Operations Research. Understanding the economic interrelationship of the industries is the objective of Operations Research. The misuse and mal-use of Operations Research can result in a ruthless automation of the society, which ultimately strips every citizen of his or her natural/constitutional rights, their property and their lives.

(See Silent Weapons For Quiet Wars, and the Scientific American magazine for September, 1980, 14-page article by Wassily W. Leontief)

Whether or not this ruthless automation of society happens, depends upon whether the reasons, motives, and attitudes of "those in power" are altruistic or egoistic.

The phrase "those in power" refers both to people who work in government offices and to concerned people who have non-governmental occupations/jobs.

Remember that real power or authority always arises from the genuine and lawful assumption and exercise of responsibility. (42 USC 1986, 18 USC 4)

A non-official person who appreciates the essence of life, and who voluntarily walks the highway with a bag and picks up the garbage, is a more powerful person than a Judge who has contempt for the common Golden Rule because a legislature did not enact the Golden Rule, and because the Golden Rule does not specifically refer to the public service of voluntary garbage collection.

In this example, the garbage collector is real and the Judge is a fraud.

One would not want to do battle with the garbage collector, because he would have the respect of every honorable citizen.

One would have no difficulty doing battle with the Judge, because he is out of

communication with the citizens who finance his office and his actions.

The Most Important Service Industry

The most important service provided by the services industry is the application of altruism to governments, with the goal of preventing the destruction of everything the labor force has produced, namely, civilization and high quality life.

This is accomplished by promoting altruistic self-government, so that civilization will become a government of the people, by the people, for the people.

The most important public servants of a government are the public altruists who lawfully compel public accountability of the egoists within the government by fining them in the same manner that a traffic policeman fines a traffic offender, and, by this process, raise lawful citation currency by fines to finance communities and encourage more altruism.

The altruistic services industry is the practical social foundation of an

honestly established paper currency that retains a stable purchasing power.

THE FUNDAMENTAL PRINCIPLE OF PRACTICAL ALTRUISM IS:

"If righteousness is not made profitable, then corruption will prevail."

HOW DID MONEY EVOLVE?

The direct method for getting food is through egoistic motivation and taking, which emphasizes hunting, the manufacture of weapons, and eventually delivers war.

The indirect method for getting food is through altruistic motivation and sharing, which emphasizes agriculture, the understanding of life and cooperation, and eventually leads to civilization.

As agriculture improves, and more food becomes available, human population also increases.

THE ORIGINAL REAL MONEY

Real Money, in the form of grain or food, is the fuel of life, labor, and commerce.

Real Money is the primary tool of trade and commerce.

Without Real Money (grain/food), labor stops and commerce dies.

The original Real Money of commerce is grain and other live food.

As long as the supplies of grain and other valuable items increase in direct proportion with the population increase, and can be used as a medium of exchange by barter, then the need for a special medium of exchange or money does not exist.

When there is not enough Real Money (grain/food, animals, people (slaves), labor, gold, jewelry, hardware) to provide each member of the population with enough money for engaging in commerce, or for the acceleration of commerce, or when spoilage or the inconvenience of carrying large amounts of grain become considerations, it then becomes necessary to invent a new tool of trade, Symbolic Money/Coins, redeemable in Real Money (grain/food, substance).

So, long ago, pieces of metal, coins, became representative of large amounts of grain, etc.

Imagine a civilization that has commercial activity, which extends beyond agriculture.

We have that kind of civilization.

It would be difficult to conduct business today if the only medium of exchange or money was grain, grains of barley, or grains of wheat. Grain spoils and is not convenient to carry as money, especially when large quantities of value must be represented and exchanged in selling and buying.

Metals Used As Symbolic Money

Metals can be melted into a liquid and poured into molds to form pieces of various sizes, weights, and shapes. After they have cooled and returned to a solid, they can be hammered, cut, and filed until they have a specific weight.

A metal piece made with a specific weight and design produced to circulate in commerce as a medium of exchange, instead of a measure of grain or some other valuable item, is called a "piece" or "coin". The bits of metal that are left over from this manufacturing process can then be re-melted and be added to the same kind of metal to make more of the same kind of pieces or coins.

Many metals will combine with the oxygen of the air, or with water, or with the sweat of the body, to produce tarnish, or a powder, or some other liquid or solid.

For example, iron metal, which combines with the oxygen of the air, is changed into a powder called rust. Metals which easily combine with the oxygen of the air, or with water, or with the sweat of the body will be lost from the original piece, which therefore will no longer have the required amount of the uncombined or pure metal.

However, some metals do not easily combine with other substances, so they have a sameness of character and weight over a long time that makes them a stable measure of value. Therefore, they are referred to as valuable, precious, or noble metals.

Some examples of precious metals are gold, silver, and platinum.

Copper is a semiprecious metal, because it is very resistant to destruction by air, or water, or soil, and forms a protective layer of tarnish on its surface, which does not powder and break away like the rusting of iron.

Gold, which is a soft metal and subject to wear, is found in small rocks called nuggets, and in veins through other minerals.

Copper, which is a harder metal than gold, has been found in much larger pieces and concentrations, even as, for example, a five-ton solid copper boulder reported by the Anaconda Mining Company.

Gold, silver, copper, and nickel, and combinations of these metals in various proportions called alloys, are some of the common metals used for making coins, to act as a substitute for grain as the medium of exchange, or money, of trade or commerce.

Printed-Paper Used As "Paper Contract Money" or Simply "Paper Money"

Now, we live in a civilization that has substituted printed-paper contracts, called "paper money", for gold and silver coins.

What is a piece of paper worth, when the people who create it and the people who use it do not have the same knowledge and understanding about what that paper is doing?

Answer: It can become worth whatever devious and more knowledgeable people choose it to be. If you don’t know that there is a war going on, then you lose by default.

The Paper Contract Money/Currency Industry

The people who create Paper Contract Money/Currency will use that money/currency:

>(1) to do that which is their reason, motive, or attitude to do, and

>(2) to do that which the Paper Contract Money/Currency is designed to do for them.

Its use is certainly not accidental, for "where there is confusion, there is profit."

Their reasons, motives, and attitudes, and uses will range from egoism to altruism.

President Franklin Delano Roosevelt once said, "In politics, nothing happens by accident. If it happens, you can bet it was planned that way."

Paper Contract Money/Currency created and applied by egoists, will not be created with the interests of others in mind.

Paper Contract Money/Currency created and applied by egoists will tend to be applied to benefit only the egoistic maker, hence victimize the user.

Ignorance of the nature of a society’s circulating money (currency) victimizes the common man.

At first, Paper Contract Money/Currency, like all new political power inventions, will have as its first function, the theft of property from others, and have, as its second function, the use of economic information as a weapon of war. (See Silent Weapons For Quiet Wars.)

The first, Paper Contract Money/Currency, arising from an egoistic system of thinking, consisting of egoistic motives and egoistic controls, will be used to finance that part of corruption and organized crime, which will support the egoistic system, its motives, and its controls.

Lawful Printed Paper used as Paper Contract Money/Currency is a presentment of Information called an Instrument, which is specifically identified by giving it a unique serial number, and which entitles the bearer of the paper Instrument to claim some exclusive substantial property or value (substance) from some specified source. It has a value only if it contains, or provides a means of obtaining, a full disclosure of the source of its value, and it must ultimately be redeemable in substance of value to the bearer.

Banking

Banking has a good and worthy social function, which, when properly applied, can improve man’s civilization. Banking also has a bad and ugly side, which can put mankind into hell.

To understand banking you have understand theft, because no industry is better than banking for opening up the opportunity to steal from other people, to kill other people, and to wage war against other people -- to take the time, property, lives, and freedoms from the people.

I am going to teach you how banks steal money, so that you can understand banking, as it exists today.

If you use this information to steal from others, then you deserve punishment.

If you use my instructions to understand and properly govern banking, then you will be able to improve your conditions of life.

Good Banking – Honest Banking

The first public rule of honest banking is:

"Provide true, correct, complete, and not misleading FULL DISCLOSURE of bank policies, procedures, and finances, excluding only private customer account information".

Bad Banking – Corrupt Banking

The first public rule of corrupt banking is:

"Do everything secretly." This means, "Steal in secret. Profit in secret. Cover crimes in secret. Combine with others in secret." Cover private crimes in public by a use of the media to discredit whistle-blowers, and seal public information leaks, which might reveal the minus money Blue Sky Banking Scam.

Property – Exclusive and Non-Exclusive Property

>If we are going to talk about PROPERTY, then we are going to define PROPERTY.

>As civilization evolves, two distinct types of property become recognized:

"exclusive property" and "non-exclusive property".

Exclusive Property

An exclusive property is something that you cannot use, if I am using it.

My use of it excludes your use of it, and your use of it excludes my use of it.

A Material Object is a general example of an exclusive property.

For example, a certain piece of food is a type of thing that,

if I have it, then you don’t have it, and if you have it, then I don’t have it.

Therefore, it is an EXCLUSIVE PROPERTY.

Non-Exclusive Property

A non-exclusive property is something that both of us can have and use at the same time, and my use of it does not exclude your use of it, and your use of it does not exclude my use of it.

Information is a general example of a non-exclusive property.

For example, I can have a copy of a book on carpentry, and you can have a copy of the same book. We can both enjoy the use of the information in that book, and it has a value for both of us, but my having and making valuable use of that information does not exclude you from having and making valuable use of that information.

Therefore, it is a NON-EXCLUSIVE PROPERTY.

A very powerful example of non-exclusive property is the information on how to construct a flower. The flower publishes a "book" about the creation of its life in the form of its "seeds", many of which will produce more flowers and more seeds. The use of that information by one flower does not prevent any other flower from using that information.

The power of non-exclusive property is evidenced by the abundance of life it produces.

Non- Exclusive Property Converted to Exclusive Property

If my copy of some information has one identification number written on it, and

If your copy of the same information has a different identification number written on it,

and if these different numbers give a separate use or separated use to the information,

then the separate use or separated use of the information is an exclusive property.

Title, Paper Money, Currency

If the specific separate use of the information, has as its purpose,

>(1) the stating of a claim upon, or

>(2) the gaining of possession, or control, of some EXCLUSIVE PROPERTY.

Then the information

>(1) is called a TITLE if it is a settled (static) specific claim upon property and rights to property, and

>(2) is called PAPER MONEY, or CURRENCY, if it is a general transfer (kinetic) claim upon the assets of a lien debtor, treasury, warehouse, or other depository of substance.

Definitions

Barter, Natural Commercial Law, The Barter Process, Money = Real Money,

The Money Process, Money Summary, Natural Money, Lawful Money, Currency,

Paper Money, Backing, Positive Backing, Plus Money, Maybe Money, Negative Backing, Minus Money

Barter – Natural Commercial Law

Barter is the natural system of commerce and commercial law.

Barter consists of trading or exchanging things.

Barter is a mutual sale and purchase action, called an exchange or transaction,

which involves only two persons.

Barter is a private, commercial verbal, and/or written, contract process.

The stages of the action or transaction are offer, counter offer, and acceptance.

The Barter Process

Person number one brings valuable thing number one to the market place.

Person number two brings valuable thing number two to the market place.

Each person offers to the other person that valuable thing which they have.

Person number one gives valuable thing number one to person number two.

Person number two gives valuable thing number two to person number one.

Person number one leaves the market place owning valuable thing number two.

Person number two leaves the market place owning valuable thing number one.

The barter transaction is complete.

Selling and buying by barter is usually a finished matter at the time of trading things.

Money = Real Money

Money is any thing of real value, which passes from hand to hand as a medium of exchange.

Money is any thing of real value,

which can be purchased to be a temporary or substitute possession,

which can be passed from hand to hand as a medium of exchange,

which can be used among two or more people who want to exchange things in barter, but who have not been able to succeed with the barter because no two of them have mutually acceptable things of real value to offer to each other.

The Money Process

Let us study a money process in slow motion.

Person number one owns thing number one.

Person number two owns thing number two.

Person number three owns thing number three, called Money.

Person number one wants thing number two that belongs to person number two.

Person number two does not want thing number one that person number one has to offer.

Therefore, barter will not work between person number one and person number two.

Person number one does not personally want, or desire, to possess a thing called Money.

But person number two will accept a specific type of Money in trade for thing number two.

Person number one then locates a person number three, who meets two necessary conditions, namely that

>(1) he has the specific type of Money to offer which person number two will accept, and

>(2) he is willing to give his Money to person number one in exchange for thing number one.

The exchange is done.

Now person number three has thing number one, and person number one has Money.

Now person number one can offer person number two the Money, and

person number two will accept it in exchange for thing number two.

Person number one has thing number two,

person number two has Money from person number three,

and person number three has thing number one.

Everyone wins.

Money – Summary Of Above Example

Money can be a temporary possession or value, which we can call the third thing in transaction,

or thing number three, which person number one gets from person number three in exchange for thing number one, which is then used by person number one to get thing number two from person number two, a thing which person number two would not give to person number one for thing number one, but which person number two will give to person number one for Money.

This is as difficult to follow as the old shell game, unless you study it in slow motion.

Is it any wonder that money can be used to create a scam?

Natural Money = The First Class Of Money = Positive Money = Plus Money

Natural Money is a measure of a food, salt, gold, labor time, or time value of money (interest), or some other substance or service of real value.

A natural unit of money can be a specific count of the dry seed of a specific type of grain.

Note: One pound of weight (avoirdupois) is defined as the weight of 7000 grains of barley.

4000 grains of wheat will have nearly the same weight as 3000 grains of barley.

(This information on English weights and measures came from the Internet.)

Therefore, a nation could use the pound weight of barley (food) as a money measure of trade value instead of the U.S. Dollar of gold as defined by the Coinage Act of 1792.

Counting the seed of the dry grain is a method of checking the measure.

Nature sets the standard through genetic uniformity.

Lawful Money = A Government Defined Positive Money Or Plus Money

(Lawful) Money is "Gold and silver coin." (Bouvier’s Law Dictionary)

Our nation’s government guarantees the accuracy of its system of weights and measures.

Lawful Money of the United States is defined as coins guaranteed by government laws,

called The Coinage Act of 1792, to contain a certain grain weight of gold or silver.

On April 2, 1792 the U.S. Congress set the standard for the U.S. Dollar at 416 grains of standard silver. In 1837 the standard silver U.S. Dollar was changed to 412.5 grains 0.9 fine silver, meaning that a silver coin weighing 412.5 grains could contain up to ten per- cent alloy metal, or 41.25 grains of some alloy, and the balance of 371.25 grains of silver.

The standard gold U.S. Dollar had nearly one-sixteenth of the silver weight or 25.8 grains 0.9 fine gold, meaning that a gold coin weighing 25.8 grains could contain up to ten percent alloy metal, or 2.58 grains of some alloy, and the balance of 23.22 grains of gold.

(Lawful Money of the United States does not include copper or nickel coins. – Bouvier)

Currency – Current Money

Some of the common definitions of "Currency" are as follows.

Currency means "that which is in circulation, or passes from hand to hand, as a medium of exchange, including coin, government notes, and bank notes. (Webster)

Currency includes coins or banknotes. (Funk and Wagnall)

Currency includes copper and nickel coins. (Bouvier)

Currency includes coins, banknotes or other paper money... (Black’s)

Currency includes coins, paper money, and demand deposits in banks. (Barron’s)

(This is the end of the standard definitions.)

Putting these definitions together, and adding a little more truth, we get:

Currency includes coins, government notes, bank notes, and other paper money, and demand deposits in banks (which become bank ledger entries), all of which are used as a medium of exchange, whether they have actual intrinsic value or not.

(This can include collector coins, specially minted coins, diamonds, jewelry, stock, contracts, labor exchange, promises, I.O.U.’s, etc, or anything else acceptable in trade.)

This can be reduced to a simpler definition.

Currency includes coins, paper money, or ledger entries in a bank, used as a medium of exchange instead of Natural Money.

Coins made of gold or silver are clearly a thing that can be used in barter, because the gold or silver itself is generally accepted as valuable, or intrinsically valuable, meaning that it is valuable even if it is not presented in the form of a coin, so gold or silver coins will not pose a problem to society as long as these coins contain the correct weight of the valued metal substance.

But when the coins are no longer made of gold or silver, then they may as well be paper money.

This leaves the structure and the operation of Paper money and ledger entries to be further defined and studied, as a medium of exchange, in order to discover how they can be, and are, used as the basis of money scams.

Paper Money

Paper Money is of three types, namely

>(1) Positive Money or Plus Money,

>(2) Maybe Money, and

>(3) Negative Money or Minus Money.

Backing" – definition (The opposite of backed is non-backed.)

Money is said to be positively "backed" or to have positive "backing", when:

it represents "some thing" of value and it is redeemable for that "some thing" of value independent of somebody’s belief, that

it represents "some thing" of value and it is redeemable for that "some thing" of value.

Positive Paper Money = Plus Paper Money

Paper Money is said to be Positive Paper Money or Plus Paper Money if the backing is positive, meaning that the backing has real value, which has been honestly acquired.

Positive Paper Money or Plus Paper Money is paper money that is guaranteed by real value (of substance or service), and by weapons.

The Backing of a positive paper money,

must be identified and guaranteed on the paper money, and

must be something of real value

which can be gotten in exchange for the paper money,

>(1) from the maker of the paper money, or

>(2) from someone obligated by the claim stated on the paper money,

>(a) to perform for the public,

>(b) to perform for the bearer/owner of the paper money, or

>(c) to perform for the maker of the paper money.

The word "backing" usually implies "positive backing".

The term "paper money" usually means "positive paper money" or "plus paper money".

Maybe Money

Maybe Money is "money" that sometimes works, and sometimes does not work.

When a coin, paper currency, note, check, draft, IOU, or any other instrument of exchange, without a declared and enforceable substantial backing, is used to complete a sale and purchase, then the sale and purchase relies on the seller’s and buyer’s faiths in the instrument and on a "banking religion", which is complete with a human hierarchy, which runs a carefully graded range from human creators of Maybe Money, to government gods and judicial priests in black robes who operate and protect the banking "church", to the faithful common public "congregation" who believe that the banker and the government officers care about them, have the public’s well being at heart, and would not abuse the public with their power to create valueless paper Maybe Money.

Non-Backed Money -- Empty Money – Negatively Backed Money –

Negative Money – Minus Money

Negative Money is circulated money that is backed by nothing or by stolen property, which must be redeemed by stolen property to cover the crime of creating it, meaning that one or more people will be criminally victimized in order to make it work.

Empty Money is currency, which does not represent anything of value, which is backed by Nothing, which is "non-backed", which has no "backing".

A Note is said to be Empty Money if it represents no thing of value, hence, no backing.

The use of an Empty Note or Empty Money by putting it into circulation or by transferring it constitutes a serial theft committed by each person who hands the Empty Note to the next person. The intermediate holders and passers of the Empty Note might believe that the Note is valid, and because of their ignorance could not be held accountable for the commission of a crime, but they are nonetheless the unwitting accessories to the serial theft of the person who originally put the Empty Note into circulation. Eventually the Note will have to be redeemed to cover the original crime of THE BANKER STEALING THE AMOUNT OF THE NOTE INTO CIRCULATION, and this redemption will generally happen by the theft of property, so the act of stealing the amount of the Empty Money into circulation converts it from an Empty Note or Empty Money into Negative Money or Minus Money.

Minus money begins as Empty Money.

Minus Money is the illusion of something, and the harbinger of theft.

THEREFORE, Paper money is said to be Negative Money or Minus Money if it is not backed (non-backed), if or the backing is negative, meaning that either

>(1) the money has no backing, and real value will have to be stolen in order to redeem the money, or

>(2) the money has real value backing, but the real value was dishonestly acquired,

so that the paper money will have to be redeemed

>(1) by something of real value which will have to be stolen from someone, or

>(2) by something of value, which has already been stolen from someone.

Negative Money, created by a corrupt bank is diplomatically presented to the public as "fractional reserve currency", meaning that, of the money that the bank has created and loaned into circulation, a fraction of it has backing of real value called "reserves", and the other fraction of it has no backing whatsoever and will have to be redeemed with stolen property. But the money all looks the same, so part of each and every Dollar of a "fractional reserve system of banking" is stolen property.

A person who creates Paper Money without some sort of backing consisting of honestly acquired real value, will eventually have to be able to redeem that paper money in order to continue to appear to be credible and honest, or his criminal act of creating non-backed paper money will be discovered and he will be seriously punished. Therefore, he or his agents, must eventually obtain backing for the paper money by committing a crime of theft consisting of:

>(1) a theft of large amounts of property from a few of the people by serial theft, fraud, and foreclosure, and, if they have the financial connections,

>(2) a theft of some property from all of the people of the public (e.g., by taxation).

The Blue Sky Banking Scam (Double B.S.)

Blue Sky Marketing is a term used for the criminal act of selling someone property that exists in the blue sky, or, in other words, selling something that does not exist, like riverfront property in an arid desert.

Blue Sky Marketing is the basis of the Minus Money Banking Scam, which is selling Empty Notes or empty paper contract money, which, therefore, could just as well be called the Blue Sky Banking Scam (Double BS).

The Scam is based on public hypnosis, a form of mass hypnosis.

Paper money is said to be Plus Money or Minus Money depending whether the inducement used to convince a person to accept it in place of Natural Money is either logical or emotional.

Banker Thieves And Currency Criminals -- Banksters

The first rule of hypnotism is:

"In the battle between logic and emotion, emotion always wins."

The public is encouraged to accept Minus Money on faith, emotion, and ignorance, instead of reason. The public’s faith in the value of Minus Money hypnotically arises from

>(1) their physical and emotional need to have some sort of money with which they can buy the necessities of life and conduct business,

>(2) their consequent willingness to accept Minus Money in exchange for food or for other things of real value if the process works to their own immediate advantage with the acceptance of their peers, and

>(3) their simple observation of events, which demonstrates to their satisfaction that the process seemingly works without injury to themselves, their loved ones and their friends generally.

The public uses the Minus Money as if it was real, and gets a benefit of immediate convenience from it, as one might get from counterfeit money, a bad check, or other empty money. But it is the public and the person who is victimized through an unlawful foreclosure action, garnishment, or other minus money fraud cancellation crime, causing a serious, even devastating loss of his or her personal property to the Minus Money Blue Sky Banking Scam, who picks up the tab that covers the predatory banker’s or Federal Reserve Corporation’s criminal issue of non-backed or fractional reserve minus money, and who experiences the minus effect of Minus Money.

It is a human slaughterhouse operation in which the public does not see the victim get privately economically slaughtered to offset the stolen value of the serial theft committed by the currency criminals by issuing a non-backed currency, so that they can operate and make a gain from issuing a dishonest paper money.

It also causes a public bankruptcy and an incremental bankruptcy of the United States.

What the public does not understand is that if the predatory bankers cannot get enough money to cover their crime in the manner just described, then they raise the money by starting a war which involves all of the public, and gives the predatory bankers the opportunity to loan their "money" to governments, at great interest.

The cancellation of credit and currency, that is, Minus Money, by garnishments, seizure of retirement benefits and foreclosure causes money starvation and business depressions. (1929+).

Every citizen who understands and uses Minus Money without caring that it subjects one’s fellow citizens to plundering, becomes an accessory to the crimes of

>(1) plundering one or more of their fellow citizens,

>(2) improving the life of the dishonest or predatory banker- thieves, and

>(3) encouraging the dishonest or predatory banker- thieves to commit even more crime.

Every time that fake or minus money changes hands, it is mistaken for real money, and in being deposited in corrupt banks and used by corrupt banks as an excuse to re-loan a multiple amount, increases inflation and the public debt, which in turn causes more debt, disaster, and financial ruin, and silently and fraudulently transfers the wealth of a nation into the hands of the corrupt bankers.

The "National Debt" Is A Fraud

The banker thieves owe to the public, the "national debt", plus all of the money stolen in the minus money banking scam.

If the Principal of a Note is based on a Nothing fraud,

then the Interest, being based on the fraudulent Principal, is also fraud.

If the National Debt is based on the fraudulent Principal and the fraudulent Interest,

then it also is a fraud.

Fraud vitiates all contracts, meaning that fraud impairs the use and value of all contracts.

Bank Robbery – How Banks Rob People

The following are strategies used by banks for robbing/stealing money and property from, its customers or its debtors.

Fraud – Trickery, Deception

Fraud is gaining at the loss of another using trickery or deception, hypnotism (suggestion) or uncivilized, unlawful, destructive magic.

We need more details in this definition.

FRAUD is gaining the PROPERTY of another person, without that other person getting a fair exchange of value in return for their PROPERTY, done by the first person using trickery or deception, hypnotism (suggestion), or uncivilized magic (illusion).

Trickery, deception, suggestion, and illusion are methods of survival in the food chain and in war, but, they have no place in a civilization during times of peace, except as a source of amusement, to which all participants, the entertainer and the entertained, consent.

Corrupt and uncivilized banking is done by fraud, and by the violation of this set of rules.

Deception

Banking is the representation and exchange of things by information and ideas.

Ideas are harder to keep track of than things, so ideas are more useable for fraud.

Banks without real money are like flowers without a scent; they only look impressive.

If we are going to talk about banking, we are just naturally going to have to talk money.

The first quality of today’s money is that it isn’t what it seems to be.

Money is a valuable thing used, or which represents something of value.

Food is not labor, but it is used to represent labor.

Gold is not food, but it is used to represent food.

Paper money is not gold but it is used to represent gold.

Paper money represents gold, which represents food, which represents labor.

So paper money represents gold, food, and labor.

Every step is a mere representation of the real thing.

And this is where the opportunity for fraud comes in, to convert the real thing into a model, to convert the model into a representation, to convert the representation into an imitation, and to convert the imitation into an illusion.

The belief of the people, that they must have the illusion of the real thing in order to have the life and the power to survive, gives the illusion the magical appearance of life and power that is called animation.

The banker applies this principle when he presents himself and his bank to the public.

It is actually a universal principle of human psychology, which I will quote from the book Twenty Steps To Power, Influence, And Control Over People by F. W. Gabriel.

"When you assume the appearance of power, people soon give it to you."

Corrupt Banking And Corporations

The Minus Money Banking Scam

--- The Most Profitable Scam Of Dishonest And Predatory Bankers ---

--- Loaning Minus Money Backed By Stolen Property ---

Corrupt Strategy #3 – Blue Sky Marketing -- Selling "Money" Without Backing

Blue Sky Marketing is accomplished by permanently selling, or by temporarily selling (loaning) property that one does not own or have, also known as selling property in the blue sky. The first laws against Blue Sky Marketing were established in the State of Kansas in 1911.

In 1913, the Federal Reserve Corporation was enacted into "law". The Federal Reserve Corporation, and the U.S. Congress, which gave the Federal Reserve Corporation its banking charter, ignored these Blue Sky Marketing Laws, which stood against the establishment of the Federal Reserve Corporation.

Dishonest and Predatory Bankers

The tendency to commit the crime of dishonest banking can be either an acquired skill, or an inherited predatory instinct.

There are dishonest bankers, and there are predatory bankers. They are not the same. Conscience is the knowing of the difference between right and wrong.

Compassion is the capacity of a person to mentally put himself in the position of another person, to feel the hurt that he is causing to that person, to know that the hurt he is causing to that person is socially wrong, and to correct his behavior.

A soldier in war suppresses his compassion in favor of the need to survive.

A dishonest banker yields his conscience to greed, to over-guarantee his survival.

A successful predatory banker, who exhibits sufficient intelligence to stalk and snare his prey in a very complex money scam, obviously has sufficient intelligence to comprehend dishonesty, but he functions as if his brain never inherited and never developed the nervous system necessary for the conscience and compassion functions of the brain.

He is truly dangerous.

Dishonest banking is the first step in the transition from dishonest banking to predatory banking. The behavior is animal-natural, and the perversion is automatic by necessity. Once the dishonest banker has committed the crime of dishonest banking, fear of discovery sets in, and the next natural step is to cover the crime at all costs, including the act of murder. The sequence is lust, rape, and murder applied to money instead of sex.

The first well-known predatory banker was Mayer Amschell Rothschild.

His famous saying was:

"Give me control of a nation’s currency, and I care not who makes its laws."

Rothschild believed that the only legitimate form of government was Anarchy, social

government by the natural food chain and survival of the fittest, with no special regard for man, truth, religion, God, or the continuity of intelligence, life or soul in the Universe.

The dictates and policies of Rothschild’s "Bank of England", which financed and controlled the King of England, were manifested in the predatory banking acts committed and described in historical writings such as the Declaration of Independence, and the provisions in the Constitution for the united States of America barring such schemes in America.

Rothschild’s method of banking has been described in a foregoing chapter titled

"An Overview Of The Minus Money Banking Scam".

The Creation Of A Bank That Robs You

The classic historical example of this sort of scam was and is conducted by the Rothschild family.

The Scam

The banker took in deposits of gold, which therefore belonged to the depositors, and

then proceeded to display the stock of the depositor’s gold to potential borrowers

as if it were the banker’s own property to loan

to "prove" to the potential borrowers that the banker was personally wealthy and that the bank’s paper was credible. In other words, the banker’s act of loaning the appearance of the gold in the form of bank notes which people could bring back to the bank to redeem for gold, put the banker in the bad position of not having enough gold to redeem the paper, which could cause a run on the bank, jeopardize the return of the gold to its rightful owners, and therefore "technically embezzle" (stole) the gold.

The banker pretended to loan the gold to governments on paper as a Blue Sky Marketing Scheme, and collected it back, with interest, in the form of substance and government power, on the collateral property credit backing of the nation’s common public,

thus creating negative national debts, based on the loan of Minus Money,

Predatory bankers begin their economic feast by economically eating out the substance of their customers, and then, by diluting and adulterating the money system and skimming off more than ninety percent of the nation’s wealth transfers for themselves, they economically eat out the substance of the whole nation until all real wealth is in their hands and increasing billions, called the national debt, appear to be owed to them.

Dazzle The King

Rothschild found that controlling the ruthless monarchies was a simple matter because he did not have to directly deal with a great number of people. He only had to dazzle the king with the stores of gold left in the banker’s/his care, in order to induce the king to borrow the mere appearance of the money, which the king did not know belonged to someone else.

When the king did not or could not pay for the use of the minus money, which Rothschild loaned to him for ant reason, all Rothschild had to do was secretly finance the king’s enemies with some of the same kind of minus money, to make their enemies victorious as his debt collectors. Then he got control of the rulers’ money systems as the collateral reward for financing what they believed was their armies and their wars.

Rothschild communicated by way of carrier pigeons with his banking sons who lived in the several countries that he wanted to control.

He learned to finance into existence well-timed and synchronized wars, revolutions, market crashes and other social disorders to force people to borrow minus money from him, to run up minus national debts to him, and to pay the minus interest to him, all in exchange for real property and substance. . "Where there’s confusion, there’s profit."

This is point at which his Minus Money Banking Scam gets very ugly and also very interesting, because the predatory bankers have to do a series of things to conceal their crimes of fraud and to protect themselves from public discovery. Ultimately, the things that they have to do, explain more mysteries about our national economic system and national social system than one would expect to discover.

Corrupt Strategy #1 -- When The Cat Is Away, The Mice Will Play.

Single Cycle Theft, or Transient Embezzlement, is accomplished by stealing money on Friday night, putting it to work over the weekend, and having it back in the bank on Monday morning before its absence can be discovered.

Corrupt Strategy #2 – Keep All The Plates Spinning / Balls In The Air –

Also Known As "Kiting"

Multiple Cycle Theft, or Kiting is accomplished by moving an ever-increasing amount of money around a circle of accounts, faster than the system can catch up with it.

Cancellation Of Credit And Currency, The Twin Crime To Blue Sky Marketing

Cancellation of Credit and Currency is an absolutely necessary step in the success of the predatory banking scam because it covers up the crime of printing and spending Minus Money by preventing the public discovery that the dishonest or predatory banker has loaned more "paper money"/currency than he has backing for.

Creation of Minus Money is a technical theft of the depositors’ property by a violation of the terms of the Contract of Care for the deposit, and Cancellation of Credit and Currency is a technical theft of the borrower’s property by a violation of the terms of the Promissory Note of the loan, to cover the crime of the first technical theft. The second crime is quickly manifested by the actual violent theft of corporate property or personal property by foreclosure. "To foreclose", means literally, "to close before its time", and is used as if it means, "to close upon judgment". That term has an interesting legal subtlety, and has become a side scam, co-operated through court system accomplices.

It is also obvious that the debtor whose loan is called early, and whose loan collateral property is in jeopardy is going to be angry and want to stop or injunct the actions of the dishonest or predatory banker.

Summary

The dishonest bankers and predatory bankers commit the crime of creating and loaning more of their "paper money" than they have backing for (Blue Sky Marketing), and they use various sub scams to call in their loans before the due date (Cancellation of Credit and Currency), so that they can foreclose the loan, and take away the loan collateral property of the borrower to cover their Minus Money crime.

They were operating this "something-for-nothing, everything for us and nothing for you" scam before this nation began.

Bankers Cut Governments In On The Scam

As Rothschild applied the method of stolen-credit minus money creation to lower ranking people, he encountered a greater number of people who contested his method. This was not a matter of financing two nations against each other, but was the more delicate operation of initiating and financing wars between people and their governments, and then initiating and financing wars between the people within the same nation.

The natural response of a manufacturer, when his bank loan was collapsed before its contracted due date and his collateral property was foreclosed upon, was to hire a legal counsel to do battle in a court of law to recover his property from the private banker.

The suits that arose in this connection also threatened to expose the predatory banking scam. The predatory bankers were going to be severely limited in their predatory opportunities if they did not get control of the courts.

The problem faced by the predatory bankers was to gain control of the court and all of its procedures.

Many judges, attorneys, and police officers, gravitate into their jobs because of anti-social attitudes and only want to increase their political power, and

>(1) on the one hand, will use the egoistic system to excuse criminals

to encourage repeated offenses and to give themselves job security, or

to blackmail criminals into servitude to increase their political army, and,

>(2) on the other hand, will persecute altruists, who might expose their scam to the public, or destroy altruism, to reduce political opposition.

For example, they cause the court system, the correctional system, and the plea bargaining system to deteriorate into a slaughterhouse-type revenue-extortion racket.

They figure that they will get what they want for their lifetime, and do not care what kind of condition it creates or leaves behind them for others to live in. They do not care that what they do is collapsing civilization.

The bankers hired the best judges that money can buy.

The States were used to grease the process to make it work more smoothly.

The most powerful corporations are the non-assessable predatory banking corporations.

The States were urged to encourage the businesses to incorporate as non-assessable corporations. The carrot or inducement to incorporate was that the corporations would be endowed, by the State, with immunity from commercial responsibility both inside of and outside of the State operated courtroom, and be endowed, by the State, with immortality.

The privilege of immunity meant that a non-assessable corporation could not be sued beyond the limits of its assets, the corporate executives could not be sued beyond the limits of their responsibility, and the stockholders could not be assessed with any portion of the damages arising from suits brought against the non-assessable corporation.

The privilege of immortality meant that a corporation, as a fiction, was guaranteed a super-human capacity to survive a long-term court action by concert and conspiracy with the court, which also acted as an immune and immortal corporate fiction, whereas the common natural individual had limited funds and a limited life with which to fight the battle.

"Duly Incorporated Banks" called "chartered banks" were to be "protected" as unassailable creditors that were above reproach and unreachable because they could do no wrong as long as they did not violate the "banking policies and regulations" of the "banking association".

The very profitable operation of the Courts became what is called "protection insurance racketeering".

Debtors "obligated to" predatory banks would be treated with open suspicion and were always to be shamefully portrayed as trying to evade the payment of their bank "debts".

To make a predatory bank unapproachable in a suit by any of its contesting victim corporations, a legal barrier or insulator had to be constructed between the contesting victim corporations and the predatory bank by laying down the condition that all non-natural legal entities, including corporations, had to be represented by State-trained and State-licensed counsels, known as a attorneys, with titles of nobility of "esquire", who could operate as civilian soldiers, spies, informers, and traitors for the State.

Another problem remained which threatened to expose predatory banking. This was the active existence of the Constitution for the united States of America. This Constitution guaranteed natural persons the Seventh Amendment right to due process which included the First Amendment right to exercise one’s own conscience, and hence to appear before a court and a jury "at law" or "at common law" without an attorney.

A citizen not controlled by the State through an attorney could say things to a Common Law Jury that would expose the money scam of the predatory banks. It was easier to control the Jury problem than to control the complaining and testifying citizen. To achieve this end, it was necessary to create a "new" court, which would be forcibly substituted for both the Jury controlled Court operating "at law" and the Judge controlled Court operating "in equity".

The court operated in basically two modes known as "law" and "equity".

A court operating "at law" had a Jury, a Trial by Jury, and the expense of the process.

A court operating "in equity" had no Jury, was tried by a Judge, and could not operate to bring a judgment without the prior written consent of all of the opposing parties.

It was easier and less dangerous to bribe one Judge than to bribe twelve Jurors (common citizen Judges).

The problem with the Equity Court was that a citizen could refuse to consent to its use.

When a party to an Equity process was a Corporation, there was no problem obtaining the Corporation’s consent to the Equity process, because the State was a silent partner in every corporation of the State, and automatically gave its consent to be governed by the jurisdiction of its own court.

There was a thi