Why is our system stricken with poverty and crime, the why and who.

money

The main reason is not apparent at first. It is hidden by a litany of words and economics, it is a well kept secret. In a closed monetary system, one cannot make a profit that is excessive, this is shown by companies that charge too much or have illegal gains, there are laws against this. This prevents the monetary system from collapsing. Think for a second if Microsoft controlled all the trillions of dollars in the US, there would be a revolution tomorrow, people would starve, war would follow between states and the federal state.Fortunately that won’t happen as no one company can get that monopoly. But, bad news for the originators of the system. They didn’t think that money could be misappropriated or held by anyone else, the justice system would prevail and the country would survive. Well like all rules there are loopholes and languages that confuse.

Banks are in business to make money….the first problem. There is nothing wrong with making a profit, as long as it is legal and above board. True, banks are audited regularly, but they have huge earnings and little overhead, they make the rules as they go along, borrowing, lending and saving.
Little is known on the street level about banking.
Banks take our money and make money with it. Nothing wrong with that as long as it is fair to us. For example they take my money in my account, invest it, get a percentage back and make a profit which they keep. We now know that this profit can be as high as 30 % to 50% and they pay us about 3%. Not really fair, but this is just a door opener. Interest rates are fine if they are simple interest, applied in front of the loan and paid that way, some countries use this technique to this day.

If you go to borrow money from a bank you will find that you will have to make payments over a period of time at a certain interest rate. This rate is different at any given bank, they do have some competition for sales of loans. However loans and mortgages are figured in a different way, using compound interest. Compound interest is interest figured over a period of time, compounded weekly, monthly, yearly etc. This can make a huge difference in the out come of a loan or mortgage.

For instance: A house loan in Canada today, for a 300,000 dollar home, (which is about an average), will cost about a million dollars by payout time. Figured on compound interest with the best rates, fastest payout, bi weekly payments etc, you would be lucky to get by paying less than 750,000 dollars.
There is something wrong with this, it ties up money, gives it to big business, does not put it back into the hands of people at the bottom of the system and forces poverty on home owners, workers and people paying these huge sums.
Our credit system also uses compound interest, it is a travesty of losses and failed credit applications. People not being able to get loans now, as banks prefer large loans, letting credit companies take the business, saving millions in paperwork.

The interesting thing about all of this is that the cost of living (inflation) is locked to compound interest. The cost of living has tripled and peoples wages have not. Why? Simple the cost of producing a product is directly linked to compound interest, stocks, bonds, and loans. The more companies borrow and can’t pay back fast enough to stay solvent, forces them to borrow again, at high rates of interest. The only winners are the banks.

Governments have not enough teeth or moxy to take on the banks and change our system. If it is not done soon we will not have a system. Some other country will buy us out, or we will starve, or worse yet we and our children will owe our huge national debts forever.

Unfortunately, I think greed will win.

Some terms used by Money people

Interest
is the price paid by a borrower for the use of a lender’s money. In other words, interest is the amount paid to “rent” (hire in British English) money for a period of time. The original amount lent is called the principal, and the percentage of the principal which must be paid annually as interest is called the interest rate. Interest rates are crucial indicators in financial markets.

* The time value of money: Most people would choose to have money in the present rather than money in the future. When asked to lend their current money in exchange for a promise to repay that money in the future, most lenders will agree only if they are repaid more than they originally lent. In effect, the interest rate is the payment for the use of money over time.
This includes simple interest and compound interest.

* Alternative investments. The lender has a choice between using his money in different investments. If he chooses one, he forgoes the returns from all the others. In other words, lending incurrs an opportunity cost due to the possible alternative uses of the lent money.

* Inflationary expectations. Most economies generally exhibit inflation, meaning a given amount of money buys fewer goods in the future than it will now. The borrower needs to compensate the lender for this.

* Risks of investment. There is always a risk that the borrower will go bankrupt, abscond, or otherwise default on the loan. This means that a lender generally charges a risk premium to ensure that, across his investments, he is compensated for those that fail.

* Liquidity preference. People prefer to have their resources available in a form that can immediately be exchanged, rather than a form that takes time or money to realise.

* Taxes. Because some of the gains from interest may be subject to taxes, the lender may insist on a higher rate to make up for this loss.

The Art of Making Money

money

Most people don’t give it a thought, money just falls out of the air for them. They work, they do things and it is there. Not all of us are that lucky though and our understanding of the mechanics of Money is not so good.

I once read a short definition on Money and it resolved how to make more of it. The definition is not a standard one, but a realistic one.
So here goes:

“Your success depends upon the production of an effect, your finance depends upon attracting interest. If you find finance faltering, you will discover immediately why if you realize that the financial system is a communications system and that communications systems are the background of what you are doing. A person who is trying to prevent communications from occurring will try to prevent money from being received. If a person finds himself diffident about money, *** he need only run “I can have money” “ I cannot have money” and, in addition to that, the negative and positive on accepting and delivering communications. Money is not a sordid subject, it is the measure of the amount of attention you are attracting. If you are trying to prevent observation from viewpoints, you will not make money.”

This was written with the intent to use *** the exercises contained in the definition to give a realistic view of money.
Still there is a lot to be said, I have not gone into what one might do to make money but only what is needed to do to start the process. May be in some future blog I will make that known.

Morals – is it right or wrong?

How do we decide?

old copWe tend to let others ( usually our judicial system or political system) decide for us. That is not the way it should work.
From time immemorial, humans have always set the way they do things to what is good for the group. We may have been in tribal situations or small groups. What was not good for the group set the pace (morals). Some groups developed strange morals such as head hunters who ate people.

We don’t all have to behave like headhunters, but the idea is there. Survival dictates what the morals will be. For example survival dictates that if we don’t work we don’t eat, well does that explain people that sell drugs for a living?
Yes it does, because those people don’t think that they are capable of working under normal circumstances. They have been degraded and invalidated for most of their lives and cave in under that pressure, thereby forcing them to seek another way to make a living. But is it right?

Of Course not!

In naval experience, there is a known datum that a ship’s crew is not worth anything until they have braved some tremendous danger or fought together. You could have a ship sailing with a new crew and, even though they are trained for their duties, nothing works: the supplies never seem to get aboard, the fuel never seems to flow freely to the engines, nothing happens except a confusion. Then one day the ship meets a great storm, with huge, raging seas, and with every crew member aboard working together to bail the water out of the engine room and to keep the screws turning. Somehow or another they hold the ship together, and the storm abates (lessens, diminishes). Now, for some peculiar reason, we have a real ship.

Whether you have a group of two men in partnership or an entire nation which is being formed after the conquest of land from another race – it does not matter the size of the group – they enter into certain agreements. The longevity of the agreement does not have much to do with it. It could be an agreement for a day, an agreement for a month or an agreement for the next five hundred years.

People, then, in forming groups, create a series of agreements of what is right and what is wrong, what is moral and what is immoral, what is survival and what is nonsurvival. That is what is created. And then this disintegrates by transgressions (violations of agreements or laws). These transgressions, unspoken but nevertheless transgressions, by each group member gradually mount up to a disintegration.

But ethics has never been considered a part of morals or even applied to them correctly. That person would have been out of ethics or in short doing a non survival thing.
Our society has become so large and so complex that we don’t consider morals or ethics except on a vary small level. We accept things sometimes that are unethical because they are “borderline” or “don’t cause harm to anyone”. This is where we fail and our society’s fail, just look at the number of wars going on on this planet at any one time.

So how do we decide, simple, what does the best good for the greatest number of survival dynamics. Well sounds simple. But most people only decide their ethics based on themselves.

There are four basic levels of ethics, ethics for: self, family and sex, groups, mankind. Each level must be considered for the best outcome as a Survival function.

In my next article we will investigate some of the reasons people do what they do.

See Moral Codes

The Wisest Choice?

drugged
As regards the war on drugs, we are losing.

Why?

The reasons are obvious.
In Vancouver British Columbia at the present, we are running a program that costs millions, requires the resources of hundreds of people, police and medical personnel. It is an attempt to recreate what is used in the Netherlands, to rehabilitate drug users.
Drug users are given drugs to use at designated drug use places, keeping them away from local businesses and people. This has worked very well indeed!
It has attracted people from all over Canada to Vancouver to use the drugs, it has increased the number of intravenous drug users on the street by 5 times. It has tied up our medical and police facilities to over load. In fact they have been hiring like crazy, this costs the taxpayer again.

The interesting part of this is that the program was failing, drug users were still out committing crimes to feed their habits, they needed more and more drugs. So what did the program do? Started paying them.
They now make money to go on a program that pays for drugs, and gives them money to boot.
I should be so lucky. I pay taxes.

The mayor ( Larry Campbell at the time), decided to make his bucks and leave, leaving this behind him. The psychiatrists and rehabilitation experts all made their cash and still are making it. The loser is the taxpayer.
The reason: None of these druggies will rehabilitate, they will continue to use their drugs and catch AIDs.
They will continue through the system over and over and over, till they die or we stop paying.

Mayor Larry Campbell was told of a program that is 80% successful, does not use drugs in rehab, has no withdrawl symptoms, is inexpensive to use and administer and is the largest operation in rehab in the world.
He turned his nose up because their was no money in it for him, no glory, no prestige or credibility. Lives were squandered because of his decision, money was allocated and spent, taken away from more pressing things.
These drug abusers could have been rehabilitated and the taxpayers would have been happy. So what is the situation right now? No one wants to talk openly about this cash cow and no wonder.

The rehab that has 80% success rate is called Narconon.

Our Justice System?

judge

Why doesn’t it work?

Why do criminals continually get out and carry on their dastardly deeds?

Good Question.

Well it wasn’t always this way. Our system of justice was run by justice people. It was run by people who understood what criminality and fairness meant. Nowadays that means small sentences, a slap on the wrist and many, many times through the system. At a huge cost to the taxpayer and the honest man and woman.

Pedophiles, rapists, and murderers run free, live among us without us knowing it, kept that way by a system hiding their whereabouts from us. You see it on the news every day.

A little history. Back in the 1950’s the system was working and was not permeated with the laws and philosophies of today. In fact it took another ten years (1960) before the system became undermined. How did this happen?

(See The Men behind Hitler
or Psychiatry…the ultimate betrayal )

Our system was systematically taken over by a philosophy that our governments accepted as a truth.

It has gone into every area of our lives and shown that it does not work. That philosophy is responsible for virtually every thing that goes wrong in our system. It needs to be replaced, especially in our justice system.

The people that make the decisions need to be replaced by people who have not been trained with this technology, it is disastrous once used.

Psychology is and always was a guessing game, not a science and there is a science to replace it. Change will not happen unless our governments, legal system and social agencies stop using it.
It allows conjecture and enturbulation to rule, not logic or common law.

You can also check out The Citizens Commission on Human Rights if you want some real good reading on line, everything you wanted to know but were afraid to ask is there.

The Modern Workplace

workers

I have been in the workplaces of this country for over 40 years. I have seen the changes some good some bad. It seems that as time goes by that things swing from left to right, good to bad and back..
This swinging or changes to our system and the workplace is done over a fairly long period of time. For instance: we are now going back to an employee advantage…companies cannot find enough people, especially trained people.

Companies are willing to pay more for labor, although unwilling to do so and in the badly mistaken belief that labor is their largest cost. Labor is very unsatisfied with the present way business is done and in British Columbia, labor laws are being broken day by day.

The average person is being roped into low wages, sweat shop philosophies and being fired at any given time for no just reason. This mentality deserves to be looked at closer by government and labor boards.

I’m sure most employees would rather be fishing….or some other hobby. We still need to work to earn a living fortunately. Or we would all be couch potatoes.
So why all this problem in the work place?

Companies, managers and foremen are not taught the most important aspect of the job.
All of them apply workplace philosophies from the 1800’s… they are outmoded.
The unwillingness to change (because money is involved ) has resulted in failed companies, alcoholism, drug problems, and suicide. Not to mention broken families, poverty and illness.

The secret to business is no secret …just ask a salesman. He will tell you that contacts, and meeting people are his bread and butter.

The worker’s social life is important to him, ½ of his life is spent on the shop floor. Most of that time he is told not to talk, work don’t fool around and he is discouraged in many ways from making the contacts, and friends that a job could provide.
This reduces and invalidates the individual, making them easy to control, passive, and willing to work for less.

The answer is to allow more socialization, setting up times, areas and cross training so that all understand the business and meet each other. The results have been spectacular in many businesses doing this.
To bad that most do not, they do not make the money, the prestige, the quality and the amount of products to make it and their employees are not happy.

The best system used to reverse this trend is supplied by WISE, a group that handles not only management technology, but training, and support. They have many very large companies that have turned around with their help. I wish mine were one of them.

Check them out at Wise

The Cost of Just Living

bizrunI recently had the pleasure of having my car die at 5:30 in the morning. With less than 20 minutes to get to work. I had to wake my significant other to help boost the beast and it still wouldn’t start.

This I am sure is repeated often by many working people. The result being very highly elevated blood pressure levels and many lost hours of production. Not to mention smaller paychecks and the cost of fixing the vehicle. This seems like the cost of doing business today, commuting is unavoidable. In most cases, the buses do not run to the area we have to get to or they take much too long to get there.

Well today again the car did it to me, a repeat of its last performance with a battery dead and the voltage regulator toasted. A twenty dollar part but a pain in the —.
This could be avoided by having a part that worked correctly but that would be putting people out of work that make that part. It also could be upgraded to work correctly but now would cost sixty dollars instead.

Despite all the frustration I still like to use my car. I am very pro environment and use propane instead of gas. It is much cheaper and allows me to use a larger vehicle.

I will probably continue like this till it falls apart and so will millions of others. We seem to be stuck in a rut we cannot get out of. If the governments wish to make a dent in pollution they will have to take the bull by the horns and make a logical, practical transport system. Us the workers are the ones that will foot the bill and use the system.
So far none of this has come about, and the gas companies do not look like they will give up their stranglehold on us, even if we all die coughing.

I personally look to our own drive to push these people on to solving this situation. There are many solutions check out these sites.

http://www.theaircar.com/