Damn you all to hell!! La mort de la culture de l’argent : Banks & the planet of the raped.

We are in a car careening out of control on ice with the brake line cut and they are still trying to steal the remaining pieces in an attempt to have total ownership when we recover. It started as an orchestrated coup by the central and commercial banks to gain ownership of the bulk of global assets. As is always the case with these things, they were so blinded with greed and arrogance that they missed the entire forest for the trees.
Let’s start over, the large multi-national banks were rigging the laws across the globe to allow faster and more frequent consolidation. Nearly every country on earth has fewer banks than a decade ago. The growth of the internet which should have doubled their business actually has turned out to be a more democratic and competitive market place. Democracy and competition have their place; unless you are the one who has the most.

The flow of money as it had been known which would normally allow taxes to be collected and then passed directly to the banks for them to loan back to the public at a profit was crumbling. Why pay $500 per trade if you could trade for $10? Why pay a broker at all when you can trade for yourself and pocket the fees? While they were gaining in one sector by gobbling up smaller banks and dictating political policy, market share was becoming more competitive. Fees and commissions are like store warranties on electronics and are generally 100% profit. It never cost a brokerage $1000 to buy a few shares on your behalf. They could have taken the entire internet by storm by offering discount services to the masses but they believed that the poor spend all of their money; the middle class has a little left to save and only the rich had the means and intelligence to invest. If they offered discount services then they simply would be giving back billions each year in profits. They could no longer simply buy market share through mergers. Sure Toronto dominion could link up with ameritrade but there are tons of online competitors for investing and trading. Even the well-heeled customers began to consider the cost savings in discount fees and so the major banks and brokerages late and begrudgingly rolled out their own over priced online banking services. This was not the only industry to make this mistake, we all remember napster and amazon as entertainment and retail woke up behind the eight ball and determined to turn back the clock on their greedy business model. All the major retailers allow you to purchase online except the largest - wal-mart but this holiday season will surely change this outdated attitude. The auto industry and it’s let them eat cake attitude, the media acting only as a megaphone for industry now wants me to blog on their site or twitter and facebook them. It has all changed in a a world where CNN needs facebook more than the other way around. The free blogs and news submissions are a realization that news was no longer going to be determined by a few people with a common life experience. The thought now is that what started with the banks has spread to retail and media among others but the truth is the banks are only the most recent to have to deal with the new reality. They were able to determine who became middle class or rich, whether cars would stay old tech or if new tech could gain their favor and that the media conglomerates would be the captains of information. Why would the retailers, media and industry change, they were the ones with the most access to credit and credit has long replaced merit. Merit says that there were people who developed ideas for flying cars decades ago; Credit says that they never got the financing to get off the ground ( get it? Off the ground, flying cars!!!…never mind). Credit allowed white factory workers to get $200k to buy a home in the suburbs and only allowed his black foreman $110k to find a home in the city because that’s all the homes cost where they thought he SHOULD live. The banks were not interested in giving him access to homes in places they didn’t feel he belonged. Banks used credit to steer people into the communities DESPITE merit. This example is often cited and always shows up in government testing, Despite the persistent dogma to the contrary. In case you haven’t noticed what this normally causes to happen is in any “intergrated” middle or upper-class community the non-white is 1-3 classes above their white neighbors. Black doctors can get the credit to live next to white roofing contractors, when he parks his top of the line audi in the drive way all he can see is a sea of contractor vans and trucks and modest home vehicles. The real kicker is that all the whispers are about how he is the one bringing the value down and how could he get the money to afford one of the homes. This is not an attempt to elicit “white guilt” which seems to be an oxymoron at best but to set the premise for offering a solution for this horrific quagmire we find ourselves in.

The banks stunted innovation and used credit to skew merit and so the public much the same as industry began to believe their own press. That merit must be color coded, the car companies that had the most money, have the best cars. The brokerages with the most market share and locations offered the best service. What separated you from the poor people in the social underbelly was your willingness to work hard. Well it’s time to wake up!! Now no one can stand now that the king making banks are closing off the lines of credit and hoarding all the money. The best part is that they simply changed the standards arbitrarily, until now you didn’t know it was arbitrary and really didn’t care as long as you were chosen. Now hard work isn’t enough, size of the company isn’t enough as the spicket to all your advantages is turned off. All of a sudden companies that have been around forever off of “merit” don’t seem able to survive solely based on the quality of their business. So car companies are told to sell cars if they need money and they can’t imagine trying to survive like that and no one will “buy” the cars. The problem is most people never buy cars, the banks told them they had enough “merit” to deserve the credit to access the car they wanted in exchange for interest payments to allow the bank to profit. Most people did not save and write a check for their home, car, clothing and furnishings and most people who did; don’t really have anything that anyone would envy.

So to reverse engineer the problem will help in understanding the solution. When this most recent symptom arose the solutions were idiotic at best because they were based on this credit = merit myth. I ran out and immediately said if the underlining assets are mortgages then the efforts should be focused on keeping the home “owners” in place. What everyone else decided from the blog sites to governments was that the people who were suffering with these predatory loans were not victims. In the twisted warped reality stoked by the media was a version where the banks were the victims of bad underserving people trying to game the system. The banks were also the victim of governments requiring private organizations that receive public funds from everyone treat everyone the same. What a ridiculous idea that people who pay in their money be considered for having it LOANED back to them. The banks pumped that version through the central banks to the governments and media to the public and received trillions in infusions as everyone spurned the homeowners. A year later the western governments and public found that they had once again been successful in keeping homeownership out of the hands of hardworking deserving people but everything was worse. How could this be? Didn’t we just sacrifice all of these families on the alter of the banks to save ourselves? Yes, but the banks demand more sacrifice, the terms are now give the banks more and more money and power while they throw more families and business into the sacrificial pit. Finally everyone woke up and realized that no one or nothing was immune, things keep getting worse and worse while the banks continue to demand more and more. It’s your fault, the media, government and public told them that they were “too big to fail” no sacrifice was too big, saving corrupt titans was paramount to all things. The answer is still what it was a year ago; start at the BOTTOM and work your way UP. Create public jobs and finance homes of the workers. Double welfare and social assistance checks to stimulate consumption. Issue massive government grants to business and start-ups. Ignore the conservatives, there is not a single one alive who doesn’t owe his station in life to these solutions being put into place after the depression and world war. Americans conservatives who owe their class to the G.I. bill and the new deal or Europe which would be living in the stone age without the marshall plan. I have no respect for people who want to burn the ladder once they climb up. Massive government iniatives were the foundation of modern prosperity, all rigged faux merit systems bring is bursting bubbles. If you prefer faux merit and bursting wealth bubbles to real merit then you are going to find yourself isolated as a selfish throwback to a failed dogma. This ruin that we are all suffering in is the direct result and so the proponents of this failed state will now spend their time as the voiceless and disenfranchised but at least they earned stigma; finally merit at work.

While investors writhe in pain the sipc stalks aid4families

Investor calls to the SIPC probably aren't returned because they are busy stalking us. ( actual visit )

Have you no shame?!?!? I couldn't take time to write yesterday due to court were the crown was a no-show for the second time in 5 months. Though the crown was attempting to avoid another setback we did receive a visit from the sipc. Now the inbreds in their parents basement, media and corrupt government and industry hacks would like you to believe that we're the problem. Why would an agency that should be burning the midnite oil making investors whole from taking part in the greatest economic sham in generations be pestering us? I would hope that it's not to intimidate us. That hasn't worked, everyone whoever said anything bad about the organization has been taken to the woodshed and there hasn't been a peep on the internet in 6 months. Like the man says "accounts of my demise...". I don't know while I'm fighting government, industry and media organizations to a standstill, why a half-baked shell group like the sipc would expect to have an effect that they couldn't.


The sipc like the cipf here in canada should be broke by now, since their low cash balance can't cover the fraudulent losses investors are suffering right now. It has been one year since the amf issued the now infamous and ill advised cease and desist order. Now the rcmp and crown are unhappy after being goaded into this wild goose chase. It's all boiled down to an endless tally of actionable damages that end with a lot of zeroes. How did this happen? Well every pimpled geek and industry hatchett man decided to try and bury the organization, AGAINST THE INTEREST OF THE PEOPLE WHO WERE ACTUALLY PARTICIPATING IN THE PROGRAM!!!! Unfortunately they picked the worst year to cheerlead the corrupt banking industry. It looks totally different a year later to try and call us a scam while the world economy burns and the government and industry get into a finger pointing match. I didn't tell people that there was a such thing as investor's insurance so they wouldn't go broke like they are. I didn't tell them that there money sits safely at the bank ungambled. I didn't tell people that banks and brokerages would always be liquid and wouldn't have to search for cash and bail outs. I didn't give risky assets high credit ratings. I didn't spend the past year lying about the health of the economy or banks. The media hasn't printed a thing the rcmp or crown has said since the first week in november because we told them to get the facts straight. The media believes the opposite of what your mother taught you, they believe if you can't say anything bad...then don't say anything at all--so the silence has been defeafening across the entire internet. See, people can say what they want but I'm telling them in plain language that they are lying and daring them to prove anything they say. People hiding behind avatars, profiles and agencies can say what they want but don't let your ego goad you into a situation where you have to put up or shut up. There was a line around the block of people wanting to talk the talk, now running like roaches with the lights on when it's time to walk the walk.

Back to the sipc. I'm not picking on them there's plenty of blame to go around in this sham of a shell industry that has brought the economy to it's knee's. The sipc didn't destroy the american economy alone. They provided the guise of security that helped lure unsuspecting investors into the trap. But hey, who is going to arrest them? No one hates deceit, fraud, or theft in any sincere way, now do they? Just when they think they can say it about us, if you switch the word aid4families to bank of montreal, bank of america or jpmorgan they quickly avert their eyes afraid to offend their betters. So you're no advocate, you're a coward. If you weren't you would want to save the public against ALL enemies. The sipc had the nerve to write to our hosting company a few months ago and demand they remove our website(you can see how well that worked out). They tried to make it seem as though our conviction was absolute rather than absurd and like they were some industry regulator(which they aren't). I informed the hosting company that it was not my job to write what the sipc likes and it would not be wise for them to remove the site. Let the sipc go the LEGAL route, not the mobster route. The legal route has worked for them the same way it has for everyone else--a dead end. Then I contacted the d.c. attorney general and made a complaint. I haven't heard back yet about how the AG is raiding the sipc's offices and hauling them off to jail yet. I guess there are those of us who dictate the law and those of us who are simply subject to it.

The post telegraph.co.uk didn't want you to see because it is being run by a few fake bloggers who target blogs outside of their clique.

If U had a million dollars...U would be broke!!!

REASON: 3.5 ...and your mother dresses you funny.


When I started aid4families.com the first page added to the site was a brief summary of why the program was started called save your life. The title was, you're going to be broke. The point was not to make people feel bad or scare them into the program but to remind them to take an objective look at their situation. Paper millionaires are excluded from the millionaires club and most people don't qualify for that. There are towns where small homes or condos go for more than that. The people residing in them rarely qualify as millionaires, although some technical paper measure may allow them to impress their high school classmates. What any first year broker can often show these people is how their net worth is either much lower or negative. One for sure way, is living well beyond their means. This is a fact for most people (despite the hypocritical cries about sub-prime borrowers). To be a 21st century millionaire in a western hypocrisy, it is estimated that it takes between 21 to 700 million dollars to match a millionaire in 1900. With the worlds worst savings rate and wages devastated by cannibalistic inflation, there was no way the average person was going to survive retirement. What was needed for joe six-pack and susie secretary was what every politician, financier and captain of industry enjoys...A big fat bowl of passive income.

Yes, you would never know it from all the whining about income taxes and capital gains taxes beating leukemia for media and political attention. Most people couldn't get their mind around receiving more money than they earn or having money come from no effort on their part. How quaint the bottom 98% must seem to politicians who make more after they leave office or to brokers and CEOs' who make more in bonuses than pay. The primary taboo that I broke was bringing the unwashed masses to the party. The major arguments are: 1. When I made everyone rich, no one would be rich and 2. The rest of you slugs are too lazy to work if you have money(you have to be starved to be productive). For this they use the lottery example, how rare it is for some inbred like yourself to keep their job after winning and then it is usually wasted doing what the bottom 98% does, which is spend it. The problem with that argument is, the people who get rich setting up these lottery schemes are the ones telling you that you won't have to work anymore, this is the same society that demands you spend every dollar you get and then some and finally, working for no or low wages when you come into a huge sum is stupid. Another issue is that the opposite of what I am doing is the current situation. Whereas I risked everyone having money, we are now in a situation where no one has money. No savings and mountains of debt, even the banks and government(despite tone of accountability).

So if you don't have a million dollars, you're going to be on the side of the road with a sign. It's true! It's a setup no savings, huge debt, no retirement until you earn huge medical expenses AND THEY'RE cutting all the social spending, so us rich folk don't have to help your fat pasty butt. As a broker calling accredited investors, I NEVER talked to a millionaire that didn't have a job. Especially since I was calling them at work. This means that wealth is no deterrent to work(poverty maybe) but not greed. The poor made rich don't always know the game, some athletes and entertainers buy mansions for careers that last maybe 5 years in their twenties. They then turn into tabloid fodder. So why do people who swear by incentive based pay for themselves( and still get huge bonuses for running the company and the economy in the toilet) have so much disdain for the prospect of the bottom 98% making it? Cluck if I know, what I don't like is societies telling you that you chose your situation, while keeping 9 of 10 choices off the table. If people CHOOSE to be poor then they have the right to CHOOSE to be rich. Yet, the stampede to stop you bottom feeders from taking the elevator to the penthouse is incredible. I unlike most of you didn't need aid4families to become a millionaire but instead of creating another rich firm enriching rich people, I went and started a private safety net. Now, I can't stand near windows and have hired a royal food taster, nobody assassinates like banks :)