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What goes around, comes around....

"You cannot legislate the poor into freedom by legislating the wealthy out of freedom.

What one person receives without working for, another person must work for without receiving.

The government cannot give to anybody anything that the government does not first take from somebody else.

When half of the people get the idea that they do not have to work because the other half is going to take care of them, and when the other half gets the idea that it does no good to work because somebody else is going to get what they work for, that my dear friend, is about the end of any nation.

You cannot multiply wealth by dividing it."

Dr. Adrian Rogers, 1931

URGENT LETTER FROM THE PRODUCERS OF "THE MONEY MASTERS"

* Your Thoughts About Banking and the Economy

From the Producer of THE MONEY MASTERS

October 1, 2008

Urgent Letter re the $700 Billion Bank Bailout

Dear Fellow American Citizen:

The ongoing, severe economic turmoil in our nation - destined to get worse if the right remedy is not enacted - was predicted in our video The Money Masters as the inevitable result of our fractional reserve banking system.

Our banking system, established by the Federal Reserve Act of 1913, works essentially like a spring. When the Central Bank, the Federal Reserve, wishes to create new money, it simply does so. There are no reserves to our money. The Fed then spends this money, usually to buy Treasury Bonds from private owners of the bonds (more recently to bailout or help huge banks buyout failing banks), which the sellers had purchased from the Treasury Department. These bonds (and Treasury bills, TIPS and notes) were initially sold to the public to fund government deficits. In our metaphor the money created by the Fed is the spring. The spring gets stretched in the following manner.

Banks, privately-owned, are permitted to loan out 90% of this new Fed-created money once it is deposited by the sellers of the bonds. That would not be a problem, except for the fact that the borrowers almost always redeposit the money (or the people they pay with their loan proceeds do). Once re-deposited, the banks can lend it out again. This re-loan, redeposit, re-loan, redeposit, etc. scheme, authorized by the Federal Reserve Act of 1913, allows banks each time to retain just 10% of the re-deposited loan proceeds as a reserve, ultimately allowing banks to lend out 9 times the original amount deposited, and to charge interest on it as many times as it was loaned. So instead of an interest rate of, for example, 6%, the banks may be collectively receiving a total of 54% interest per year (6% x 9; usually it is somewhat less due to the lack of qualified borrowers). Now you know, if have not already seen The Money Masters , why banks grow and prosper much more than other businesses, that is, until they have stretched the spring to the maximum.

Once the economy is flooded with the bank-created money 9 times in excess of the money originally created by the Fed, an expansion that increases the money supply, which reduces the purchasing power of already-existing money (including wages and savings), interest rates begin to drop (as there is more money to lend) and prices rise (inflation). The dollar begins to fall relative to the money of other countries not in this same stage of money expansion. Money begins to flow out of US Treasury bonds (due to lower interest rates and the lessening purchasing power of the dollar due to inflation). Thus ends the expansionary or "boom" part of this artificial "business cycle." To combat rising inflation and the falling dollar, the Fed begins raising interest rates.

Then the spring of the economy - the money supply - having been stretched to the maximum, begins its contraction, usually initiated by rising interest rates reaching a point that begins to inhibit borrowing and also inflation. The economic "bust" part of the cycle begins. Loans dwindle as interest rates rise and credit terms tighten. Various segments of the economy, accustomed to easy credit, begin to contract due to higher interest rates; loans become harder to get. Home prices fall, businesses begin to fail, bankruptcy's increase. This "bust" part of the cycle continues, and worsens, until inflation is "tamed," prices stabilize, and the dollar rises relative to other currencies. Eventually, the higher interest rates begin to attract foreign money, and the Treasury then is able to borrow what it needs at lower and lower interest rates. Interest rates fall. The artificial cycle then begins anew.

This boom-bust economic cycle is totally unnecessary and is the fundamental cause of the inherent instability in our economy. It is due to too-rapid increases in the money supply due to deficit spending and then the multiplier effect of fractional reserve banking (described above) and to lenders greedy to take advantage of such a system that rewards lending with more and more interest revenue; followed by a too-rapid contraction of the money supply (such as we are experiencing now), necessary to combat the inflationary effects of the former phase, both the direct result of the Federal Reserve Act of 1913. We urgently need to reform this system that rewards greed and results in ever-increasing swings from boom-to-bust - destroying ordinary businesses and farms in the process. We need to repeal or fundamentally reform the Federal Reserve Act of 1913, and to replace it with a system that eliminates the ability of private banks to "create" and multiply money as loans.

The major banks of this country - the ones the government is lending your money to, and from which the Bailout Bill proposes to buy their bad assets (wouldn't you too like the opportunity to sell off your bad investments to the government, are busily swallowing up the banks in trouble in this latest bust - one deeper because of more rapid prior monetary expansion and inflation. As after all prior bust cycles, they will emerge larger and more powerful, and fewer. Wealth will be even more concentrated under their control, which they will use in the next bust to further this process, until eventually no one will own anything but the ability to borrow - to go deeper into debt to banks than their neighbors. Not savings, but credit scores will determine the average American's ability to engage in economic activity (such as buying a home or car). No one will dare breathe a word against such power, concentrated in very few hands, and our republic will end with a whimper.

Our Congress struggles with ignorance of the complex, bank-created system enacted in 1913. It struggles with the money the bank PACs flood into the political system to defeat their critics and elect their shills. It struggles with mass media owned or controlled by the banks, which seek to stir up panic in the populace, to stampede Congress into bank-developed "solutions" that only make the fundamental problems worse and increase their wealth. Based on history, the banks will not fail to see-saw the economy and the markets to match their strategies for fooling the public, and putting pressure on the Congress to do their will. But we must resist. We must hold out for genuine reform - for repeal or fundamental reform of the Federal Reserve Act of 1913.

Here is a hyperlink to one such reform proposal, the Monetary Reform Act. It is not the only possible reform, but it is one developed, in its essentials, over many years by numerous monetary reformers including the late Nobel Laureate, Dr. Milton Friedman. Any genuine reform of our monetary system must include two basic elements: fractional reserve lending (such as described above) must be prohibited, and private banks must be forbidden from creating money, whether as loans or otherwise. The Monetary Reform Act does both. It also incorporates means of doing this that include paying off the huge national debt, and stabilizing the economy.

We have not previously written the viewers of The Money Masters. We judged the time was not ripe. But increasingly we are being asked - urgently - what can we do, and when, to be effective. Now it is clearly urgent that we flood Congress with our calls, emails and letters, to oppose the proposed taxpayer-funded Bailout of the banks. Rather, we support genuine reform, that will not result in an even greater concentration of economic power in fewer and fewer hands. We support the Monetary Reform Act , or any such Act that repeals or reforms the Federal Reserve Act so as to prohibit fractional reserve banking and money creation (as loans or otherwise) by private banks. We oppose the Bailout of the banks. We want genuine, fundamental reform, now !

Very truly yours,

Patrick S.J. Carmack

Patrick S.J. Carmack, J.D.
Producer of The Money Masters
themoneymasters.com

Th e Two Step Plan to National Economic Reform and Recovery

1. Directs the Treasury Department to issue U.S. Notes (exactly like Lincoln's Greenbacks) to pay off the National debt.

2. Increases the reserve ratio private banks are required to maintain from 10% to 100%, thereby terminating their ability to create money, while simultaneously absorbing the funds created to retire the national debt.

These two relatively simple steps, which Congress has the power to enact, would extinguish the national debt, without inflation or deflation, and end the unjust practice of private banks creating money as loans (i.e., fractional reserve banking). Paying off the national debt would wipe out the $400+ billion annual interest payments and thereby balance the budget. This Act would stabilize the economy and end the boom-bust economic cycles caused by fractional reserve banking. For the full text of the Act click here to read the MONETARY REFORM ACT .

Support the Monetary Reform Act - contact your Congressman today!

They Did It On Purpose: The Housing Bubble & Its Crash were Engineered by the US Government, the Fed & Wall Street

Richard C. Cook
Global Research
Friday, Oct 24, 2008

During the Clinton administration, the government required the financial industry to start expanding the frequency of mortgage loans to consumers who might not have qualified in the past.

When George W. Bush was named president by the Supreme Court in December 2000, the stock market had begun to decline with the bursting of the dot.com bubble.

In 2001 the frequency of White House visits by Alan Greenspan increased.

Greenspan endorsed President Bush’s March 2001 tax cuts for the rich. More such cuts took place in May 2003.

Signs of recession had begun to show in early 2001. The stock market crashed after 9/11. The U.S. invaded Afghanistan in October 2001 and Iraq in March 2003.

The Federal Reserve began cutting interest rates, and by 2002 a home-buying frenzy was underway. Fannie Mae and Freddie Mac went along by guaranteeing the increasing number of mortgage loans.

According to a mortgage broker this writer interviewed, word began to come down through the mortgage banks to begin falsifying mortgage applications to show more borrower income than borrowers actually possessed

Banks that wrote mortgages began to offload them when Wall Street packaged them into mortgage-backed securities that were sold around the world as bonds to investors.

(Article continues below)

Risk-analysts at the leading credit-rating agencies, such as Standard and Poor’s, Moody’s, and Fitch, gave their highest ratings to mortgage-backed securities whose risks were later acknowledged to be grossly underestimated.

Mortgage companies, with Alan Greenspan’s endorsement, began to offer more Adjustable Rate Mortgages (ARMs), loans that would reset at much higher rates in future years.

Mortgage brokers fed the growing bubble by telling people they should buy now because housing prices would keep going up and they could resell at a profit before their ARMs escalated.

Huge amounts of money began to flow into the economy from mortgages and home equity loans and from capital gains on resale of inflating property.

Meanwhile, in the world of investment securities, the Securities and Exchange Commission greatly reduced the amount of their own capital investors were required to bring to the table, resulting in a huge increase in bank leveraging of speculative trading.

George W. Bush was reelected in 2004 at the height of the housing and investment bubbles. By 2005 the housing bubble was accounting for half of all U.S. economic growth and yielding huge tax revenues to all levels of government.

Despite the tax revenues from the bubbles the Bush administration was running huge budget deficits from expenditures on the wars in Afghanistan and Iraq .

ABC News reports that during this time risk analysts at Washington Mutual, one of the nation’s largest banks, were told to ignore high risk loans because lending had to be maximized. Those who objected were disciplined or fired.

State attorneys-general moved to investigate mortgage fraud but were blocked from doing so by orders of the Treasury Department’s Comptroller of the Currency. There was no federal agency that was charged with regulating mortgage fraud.

In February 2006, Ben Bernanke replaced Alan Greenspan as Federal Reserve Chairman and held interest rates steady. Homeowners began to default as ARMs reset.

The housing bubble began to collapse in 2006-2007, with the economy showing early signs of a recession and the stock market starting to decline by August 2007. Home prices began to plummet in most markets, with millions of homeowners owing more on their homes than their new appraisals.

Homeowners began to default, with over four million homes going to foreclosure from 2006-2008. In many cases, homeowners simply walked away, dropping off the keys to their houses at the bank.

The U.S. economy shed 60,000 jobs in August 2008. In a year, Wall Street had cut 200,000 jobs. State and local governments began to cut budgets and jobs.

The “toxic debt” from the collapse of the housing bubble brought about a full-scale crash of the U.S. financial system by September 2008. The stock market immediately fell, with 40 percent of its value—$8 trillion—now having been lost in a year. $2 trillion of the losses were in retirement savings.

The crash of the U.S. economy began to reverberate around the world with bankers and the IMF warning of an onrushing global recession.

Massive bailouts by the U.S. Treasury Department and the Federal Reserve failed to stem the tide of the crashing markets. By late October 2008 the recession has begun to hit in force.

As the situation worsened, big banks like J.P. Morgan Chase received government capitalization even as they were buying up banks that were failing. J.P. Morgan Chase paid $1.9 billion for Washington Mutual with assets of over $300 billion.

The U.S. government joined with the nations of Europe in planning a series of economic summits to explore global financial solutions. President Bush will host the first summit in Washington , D.C. , on November 15, after the U.S. presidential election.

The U.S. military shifted combat troops from Iraq to the U.S. to contain possible civil unrest.

Most major retail chains began to close stores and lay off employees even as the Christmas season approached.

The Washington Post reported on October 23, 2008: “Employers are moving to aggressively cut jobs and reduce costs in the fact of the nation’s economic crisis, preparing for what many fear will be a long and painful recession.”

Richard C. Cook is a former U.S. federal government analyst, whose career included service with the U.S. Civil Service Commission, the Food and Drug Administration, the Carter White House, NASA, and the U.S. Treasury Department. His articles on economics, politics, and space policy have appeared in numerous websites and print magazines. His book on monetary reform, entitled We Hold These Truths: The Hope of Monetary Reform, will soon be published by Tendril Press. He is the author of Challenger Revealed: An Insider’s Account of How the Reagan Administration Caused the Greatest Tragedy of the Space Age, called by one reviewer, “the most important spaceflight book of the last twenty years.” His website is www.richardccook.com. Comments or requests to be added to his mailing list may be sent to EconomicSanity@gmail.com. Also see a series of his speeches on YouTube at http://www.youtube.com/user/GracchusJones.

WRITTEN BY A 15 yr. Old SCHOOL KID IN ARIZONA :



New Pledge of Allegiance (TOTALLY AWESOME) !



Since the Pledge of Allegiance

And

The Lord's Prayer

Are not allowed in most

Public schools anymore

Because the word 'God' is mentioned....

A kid in Arizona wrote the attached



NEW School prayer :

Now I sit me down in school

Where praying is against the rule

For this great nation under God

Finds mention of Him very odd.



If Scripture now the class recites,

It violates the Bill of Rights.

And anytime my head I bow

Becomes a Federal matter now.



Our hair can be purple, orange or green,

That's no offense; it's a freedom scene.

The law is specific, the law is precise.

Prayers spoken aloud are a serious vice.



For praying in a public hall

Might offend someone with no faith at all.

In silence alone we must meditate,

God's name is prohibited by the state.



We're allowed to cuss and dress like freaks,

And pierce our noses, tongues and cheeks..

They've outlawed guns, but FIRST the Bible.

To quote the Good Book makes me liable.

We can elect a pregnant Senior Queen,

And the 'unwed daddy,' our Senior King.

It's 'inappropriate' to teach right from wrong,

We're taught that such 'judgments' do not belong.



We can get our condoms and birth controls,

Study witchcraft, vampires and totem poles.

But the Ten Commandments are not allowed,

No word of God must reach this crowd.



It's scary here I must confess,

When chaos reigns the school's a mess.

So, Lord, this silent plea I make:

Should I be shot; My soul please take!

Amen

WRITTEN BY A 15 yr. old SCHOOL KID IN ARIZONA :

The New Pledge of Allegiance (TOTALLY AWESOME) !
Since the Pledge of Allegiance and "The Lord's Prayer" are not allowed in most public schools anymore because the word 'God' is mentioned.... A kid in Arizona wrote this:

A NEW School prayer :

Now I sit me down in school
Where praying is against the rule
For this great nation under God
Finds mention of Him very odd.

If Scripture now the class recites,
It violates the Bill of Rights.
And anytime my head I bow
Becomes a Federal matter now.

Our hair can be purple, orange or green,
That's no offense; it's a freedom scene.
The law is specific, the law is precise.
Prayers spoken aloud are a serious vice.

For praying in a public hall
Might offend someone with no faith at all.
In silence alone we must meditate,
God's name is prohibited by the state.

We're allowed to cuss and dress like freaks,
And pierce our noses, tongues and cheeks.
They've outlawed guns, but FIRST the Bible.
To quote the Good Book makes me liable.

We can elect a pregnant Senior Queen,
And the 'unwed daddy,' our Senior King.
It's 'inappropriate' to teach right from wrong,
We're taught that such 'judgments' do not belong.

We can get our condoms and birth controls,
Study witchcraft, vampires and totem poles.
But the Ten Commandments are not allowed,
No word of God must reach this crowd.

It's scary here I must confess,
When chaos reigns the school's a mess.
So, Lord, this silent plea I make:
Should I be shot; My soul please take!

Amen

If you aren't ashamed to do this,
please pass this on.

Jesus said,
"If you are ashamed of me,
I will be ashamed of you before my Father."

I'M Not ashamed. I've Passed this on to you; you can pass it along too....

John Barch was a guest speaker at 1st Baptist Church of North Conway, NH and the service he preached was about Acts, Chapter 6 and the way Deacons should be chosen, biblically. These leaders are chosen of God through the church. There is much insight in this service into the reasons for delegation of responsibilty. This is part 1 of a 2 part recording.

The recorded service is a MP3 File. The LINK to Play the service is here:

http://www.hitechreps.com/Deacons_John_Barch1.mp3

Doesn't anyone deserve a Government that works ????


If Hillary wins in 2008 and Bill is “appointed” to fill her Senate seat and either live to retire 'they' (together or alone) would get two US Presidential retirement checks, two US Senate retirement checks, and a retirement check from the State of Arkansas .

About the only thing they MIGHT NOT get is a Social Security check.... but I wouldn't bet on it....

I understand ole Bill has earned $40,000,000 in the past six years.
What a guy!

AND THE REST OF THE STORY... Hilarious “tear jerk” Clinton, as a New York State Senator, now comes under the “Congressional Retirement and Staffing Plan,” which means that even if she never gets reelected, she STILL receives her Congressional salary until she dies. ( Wouldn’t it be nice if all Americans were pension eligible, after only 4 years of “service”

If Bill outlives her, he then inherits HER salary until HE dies.
He is already getting his Presidential salary until he dies. If Hillary,
out-lives Bill, she also gets HIS salary until she dies. Guess who pays for that?

It's common knowledge that in order for her to establish NY residency, they purchased a million dollar-plus house in upscale Chappaqua, New York.

Makes sense!

They are entitled to Secret Service protection for life.

Still makes sense.

Here is where it becomes interesting. Their mortgage payments hover at around $10,000 per month. BUT, an extra residence 'had' to be built within the acreage to house the Secret Service agents…. Could this be called an “outlaw apartment”?

The Clintons charge the Federal government $10,000 monthly rent
for “the use” of that extra residence, which is about equal to their mortgage payment…. Amazing how NY rents seem to about “wash” the laundry of home mortgages. Wonder what other rents compare to this “in the area”…?

This means that we, the taxpayers, are paying the Clinton's salary, mortgage, transportation, safety and security, as well as the salaries for their 12 man staff, and…, this is all perfectly legal!

As she runs for President, will YOU vote for her?!

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Be SURE to check out Daily WEBSITE and Online Marketing NEWS Here! 

1000's of people came by Highway-Choppers.com since we launched the site and bikes are selling and the phone is ringing! Business owner Harry Draper is very excited about being online... He just bought his 1st computer! For years he's been known by enthusiasts because of his artistic Purple Chopper sign on Rte 25 in Tamworth, NH @ Gilman Valley Road, but NOW folks from all over New England know him from his NEW website! The site features latest Motorcycle events and News feeds from Major media sources as well as links to places to ride in the Beautiful state of NH. More to come as we develop the site content and functions!

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