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http://www.aalf.org/wiki/index.php?title=HenkelSawicki883&action=history Revision history for this page on the wiki en MediaWiki 1.13.3 Tue, 03 Nov 2026 17:54:29 GMT http://www.aalf.org/wiki/index.php?title=HenkelSawicki883&diff=63115&oldid=prev <p>New page: #1 Mortgage Elimination provides a very confidential administrative procedure that has up to now been 100% effective. It's a non-confrontational approach to insure there isn't any litigati...</p> <p><b>New page</b></p><div>#1 Mortgage Elimination provides a very confidential administrative procedure that has up to now been 100% effective. It's a non-confrontational approach to insure there isn't any litigation. After all, what bank can be dumb enough to need to take their unique fraud into court with someone who knows their secrets and methods to take care of them? The &quot;lending&quot; techniques which can be used are beyond brilliant. It took some very, very smart people to work out tips on how to seem like lending money, however truly have benefit supplied your person trying to get credit. And that's what is happening.&lt;br&gt;<br /> <br /> If you're an honest, ethical one that believes which the party who funds a borrowing arrangement should be repaid, then we may help you. When you see reality, you will be happy to become repaid for funding your individual loan and wonder why the bankers thought they must be paid.&lt;br&gt;<br /> <br /> All we're getting you is equal protection underneath the law, equal protection underneath the mortgage agreement, as well as the entire truth in regards to the loan from the bank agreement to be revealed. The whole simple truth is NOT revealed to the borrower. The bank or any other loan company does NOT confide in you your own IOU is actually a good point on the bank - they deposit as THEIR asset.&lt;br&gt;<br /> <br /> The bank does not let you realize the acceptance is really a &quot;acceptance&quot; under the Uniform Commercial Code, and that it will be deposited to finance your loan. Nor did they tell you which the bank the liability for your requirements of approximately the associated with the loan. (The bank owes you by their particular bookkeeping entries!)&lt;br&gt;<br /> <br /> The bank does NOT let you know that you simply actually provided the true cash value to your own loan! Thus, the lending company only appears for being lending you anything. &lt;br&gt;<br /> <br /> <br /> That's right: banks and loan company only apparently lend money. Let's please take a quick look at how money is made on the &quot;government&quot; level, we'll observe this applies to and also your your alleged debt.&lt;br&gt;<br /> <br /> But could it be money? Where did the Federal Reserve get the money to interchange for the government bonds? It made a bookkeeping entry. That's it! Money is done by finance institutions associated with nothing! Our government gave them that power if it came up with the Federal Reserve System. The Federal Reserve creates money associated with nothing; this is usury, the payment of curiosity on pretended loans; the true cause of the hidden tax called inflation; the way in which wherein the Fed creates boom-bust cycles. This technique created by political and monetary wizards to produce money from nothing for any intent behind lending. This is just not a wholly accurate description because it implies that money is established first a while waits for a person to gain access to it.&lt;br&gt;<br /> <br /> On another hand, textbooks on banking state that money is made out of debt. This used in is misleading because it implies your debt exists first next is transformed into money. In truth, money just isn't created until the instant it is borrowed. It would be the act of borrowing that causes it to spring into existence. And, incidentally, it is the act of paying off the debt that triggers it to completely disappear. There is no short phrase that perfectly describes that process. So, until the first is invented along the way in which, we shall continue in order to phrase &quot;create money from nothing&quot; and sometimes add &quot;for your aim of lending&quot; where essential to further clarify madness.&lt;br&gt;<br /> <br /> So, let's now...see just how far this money/debt-creation process may be carried -- and the way it works.&lt;br&gt;<br /> <br /> The first incontrovertible fact that has to be considered is which our money doesn't have gold or silver behind it whatsoever. The fraction is not 54% nor 15%. It is 0%. It has traveled the way almost all previous fractional money of all time and already has degenerated into pure fiat money. The fact that almost all of it's inside the form of checkbook balances rather then paper currency is just technicality; and the fact that bankers talk about &quot;reserve ratios&quot; is eyewash. The so-called reserves this agreement they refer are, in fact, Treasury bonds along with certificates of debt. &lt;br&gt;<br /> <br /> <br /> Former Congressman Louis McFadden, chairman in the House Committee on Banking and Currency remarked concerning the Federal Reserve Bank: &quot;A super-state controlled by international bankers and international industrialists acting together to enslave the globe for their unique pleasure.&quot;&lt;br&gt;<br /> <br /> <br /> #2 Our money is &quot;pure fiat&quot; all-encompassing. Money by decree.&lt;br&gt;<br /> <br /> The second fact that has to be clearly understood in which, regardless of the technical jargon and seemingly complicated procedures, the exact mechanism by which the Federal Reserve creates money is kind of simple. They do it exactly a similar way the goldsmiths of old did except, in fact, the goldsmiths were restricted to the must hold some precious metals in reserve, whereas the Fed doesn't have such restriction.&lt;br&gt;<br /> <br /> The Federal Reserve is candid. The Federal Reserve is amazingly frank about this process.&lt;br&gt;<br /> <br /> A booklet published your Federal Reserve Bank of New York lets us know:&lt;br&gt;<br /> <br /> Currency cannot be redeemed, or exchanged, for Treasury gold or any other asset used as backing. The question of what exactly assets 'back' Federal Reserve notes has little bookkeeping significance.&lt;br&gt;<br /> <br /> Elsewhere within the same publication we're told: &quot;Banks are creating money based on a borrower's promise to spend (the IOU)...Banks create money by 'monetizing' the non-public debts of businesses and individuals.&quot;&lt;br&gt;<br /> <br /> In a booklet entitled Modern Money Mechanics, now withdrawn, the Federal Reserve Bank of Chicago says:&lt;br&gt;<br /> <br /> In the Dixieland neither paper currency nor deposits have value as commodities. Intrinsically, $ 1 bill is a chunk of paper. Deposits are simply just book entries. Coins have got some intrinsic value as metal, however generally far under their face amount.&lt;br&gt;<br /> <br /> What, then, makes the instruments -- checks, paper money, and coins -- acceptable at face value in payment regarding debts as well as for other monetary uses? Mainly, it's the arrogance folks have that they'll be capable to exchange such money for other financial assets and real services and goods every time they opt to accomplish that. This partly is a point of law; currency recently been designated &quot;circulating medium&quot; by the govt. -- that is, it must be accepted.&lt;br&gt;<br /> <br /> In the small of any footnote in the bulletin on the Federal Reserve Bank of St. Louis, find this surprisingly candid explanation:&lt;br&gt;<br /> <br /> Modern monetary systems use a fiat base -- literally money by decree -- with depository institutions, in the role of fiduciaries, creating obligations against themselves using the fiat base acting partly as reserves. The decree appears the actual currency notes: &quot;This note is coined liberty for all debts, private and public.&quot;&lt;br&gt;<br /> <br /> While no individual could refuse to accept such money for debt repayment, exchange contracts could be easily composed to thwart its use in everyday commerce. However, a forceful explanation in order to why budgets are accepted is how the united states government requires since payment for tax liabilities. Anticipation in the need to clear this debt produces a demand for any pure fiat dollars&lt;br&gt;<br /> <br /> Now we don't require that you think that without some proof. I mean, it's just insane, right? Listen into a recording concerning the Story from the Federal Reserve System. It's FREE for you, over one hour long, plus it's called The Creature from Jekyll Island**, by G. Edward Griffin. Mr. Griffin is really a -respected authority your creation on the Federal Reserve Banking System, and possesses written a best-selling book of the same name.&lt;br&gt;<br /> <br /> <br /> #3 Money would vanish without debt.&lt;br&gt;<br /> <br /> It is very for Americans to come back to grips with the undeniable fact that their total money-supply is backed by nothing however debt, and it can be much more amazing to visualise that, switch reimbursed all which was borrowed, there can be get left available.&lt;br&gt;<br /> <br /> That's right, there would 't be one penny in circulation -- all coins and all paper currency could be returned to bank vaults -- high can be not one dollar in any one's banking account. In short, all money would disappear.&lt;br&gt;<br /> <br /> Marriner Eccles was the Governor from the Federal Reserve System in 1941. On September 30 of the year, Eccles was asked to present testimony prior to the House Committee on Banking and Currency. The intent behind the hearing ended up being to obtain more knowledge about the role of the Federal Reserve in creating issues that generated the depression with the 1930s.&lt;br&gt;<br /> <br /> Congressman Wright Patman, who has been Chairman of their committee, asked how the Fed got the cash to buy two billion dollars in government bonds in 1933.<br /> This is the exchange to come.&lt;br&gt;<br /> <br /> ECCLES: We created it.&lt;br&gt;<br /> PATMAN: Out of the?&lt;br&gt;<br /> ECCLES: Out of the proper to issue credit money.&lt;br&gt;<br /> PATMAN: And there may be nothing behind it, could there be, except our government's credit?&lt;br&gt;<br /> ECCLES: That is what our money system is. If there were no debts in this money system, there wouldn't be any money.&lt;br&gt;<br /> <br /> It must be remarked that, while money may represent an asset to selected individuals, when it can be considered a good aggregate of the full money supply, it is not a property any kind of. A man who borrows $1,000 may think that he's increased his financial position with that amount he hasn't. His $1,000 cash asset is offset by his $1,000 loan liability, with his fantastic net position is zero. Bank accounts are exactly precisely the same on a more substantial scale. Add up all of the savings accounts in the nation, and it might be to be able to assume that all that cash represents a gigantic pool of assets which secure the economy. Yet, equally of this cash is owed by someone. Some will owe nothing. Others will owe repeatedly these people possess. All added together, the nation's balance is zero. What we expect is money is however a wonderful illusion. The truth is debt.&lt;br&gt;<br /> <br /> Robert Hemphill was the Credit Manager with the Federal Reserve Bank in Atlanta. In the foreword to a magazine by Irving Fisher, entitled 100% Money, Hemphill said this:&lt;br&gt;<br /> <br /> If all the loans were paid, nobody could employ a bank deposit, high would not some money of coin or currency in circulation. This is an amazing thought. We are completely reliant on the commercial banks. Someone has to borrow every dollar we have now in circulation, cash, or credit. If banking institutions create ample synthetic money we've been prosperous; otherwise, we starve. We are absolutely with no permanent money system. When one gets a whole grasp of the picture, the tragic absurdity of our hopeless situation is almost incredible -- there it is.&lt;br&gt;<br /> <br /> With they have the benefit that cash in America relies on debt, it should not come youngster surprise understand how the Federal Reserve System just isn't the lowest amount of interested in seeing reverse mortgage debt in this country, irrespective of public utterances for the contrary.&lt;br&gt;<br /> <br /> Here is the bottom line in System's own publications. The Federal Reserve Bank of Philadelphia says:&lt;br&gt;<br /> <br /> &quot;A large and growing associated with analysts, on the other hand, now regard the nation's debt as something helpful, if no actual blessing....[They believe] the nation's debt need not be reduced just about all.&quot;&lt;br&gt;<br /> <br /> The Federal Reserve Bank of Chicago adds:&lt;br&gt;<br /> <br /> &quot;Debt -- private and public -- is maturing all the time. It plays a vital role in economic processes.... What is necessary is just not the abolition of debt, it's prudent use and intelligent management.&quot;&lt;br&gt;<br /> <br /> #4 More on Equal Protection&lt;br&gt;<br /> <br /> Our founding fathers knew about this sort of banking. That's why there have been provisions in the Constitution in the united States of America to stop such a banking system to infest our nation.&lt;br&gt;<br /> <br /> Article 1, Section 8, clause 5 states:&lt;br&gt;<br /> <br /> &quot;Congress shall have the power to coin money, regulate benefit thereof, in addition to foreign coin, and fix the conventional of weights and measures.&quot;&lt;br&gt;<br /> <br /> Article 1, Section 10 in part states:&lt;br&gt;<br /> <br /> &quot;No state shall use any Thing but gold and silver coin youngster tender in payment of the debts;&quot;&lt;br&gt;<br /> <br /> Is it more difficult produce cash with &quot;creative bookkeeping,&quot; (or as President Bush says, &quot;Cookin' the Books&quot;) by depositing your promissory note as well as never telling you? Or would it be more difficult to mine the gold and silver coins to mint the money?&lt;br&gt;<br /> <br /> Mining is hard and expensive. Bookkeeping entries cost virtually nothing.&lt;br&gt;<br /> <br /> Take a take a look at the definition of &quot;Bank&quot; inside the 4th Edition of Black's Law Dictionary:&lt;br&gt;<br /> <br /> &quot;An institution, of great value in the commercial world, empowered to take delivery of deposits of cash, to produce loans, also to issue its promissory notes (made to circulate as money, and commonly called 'bank notes' or 'bank-bills,') or carry out anybody much more these types of functions.&quot;&lt;br&gt;<br /> <br /> If a acceptance is in order to circulate as money, like money it could be deposited a new bank checking account, can't it? You bet.&lt;br&gt;<br /> <br /> That has never been disclosed in the mortgage agreement, could it have been? No.&lt;br&gt;<br /> <br /> See, if silver and gold coin were the money, the current banking system cannot exist. Our founding fathers knew that.<br /> <br /> Since the promissory note can be a MO, per the Uniform Commercial Code, at what point did the financial institution &quot;own&quot; the IOU? A note a good IOU. It says &quot;I owe you $X, which is to be repaid on this or that date, or through payments.&quot;&lt;br&gt;<br /> <br /> Did present the bank permission to turn your &quot;promise to pay for&quot; into money? Probably not. By your banker altering the note and turning it any IOU, they changed the fee and the risk to your them. Before they deposit the note into a banking account, you thought the agreement was that they were gonna loan you money. They were those in jeopardy. It's your duty to reimburse them.&lt;br&gt;<br /> <br /> When the lender deposited the note, the complete expense of the money was funded by you, and you also're now supposed to outlay cash? That's not a person agreed to, is it? Because on this banking system, you're in &quot;debt&quot; with &quot;money&quot; that you provided the value for. &lt;br&gt;<br /> <br /> #5 What's wrong with slightly debt?&lt;br&gt;<br /> <br /> There can be a sort of fascinating appeal for this theory. It gives those that expound it an aura of intellectualism, puffiness of with the ability to grasp a posh economic principle that is beyond the understanding of mere mortals. And, to the less academically minded, it gives you the convenience of at the very least sounding moderate. After all, what's wrong with slightly debt, prudently used and intelligently managed? The answer is absolutely nothing, provided the debt is predicated a good honest transaction. There is enough wrong by it if it is &quot;in relation to fraud&quot;.&lt;br&gt;<br /> <br /> An honest transaction is one wherein a borrower pays an decided upon sum inturn for your temporary regarding a lender's asset. That asset could possibly be anything of tangible value. If it were a motor vehicle, for example, the borrower would pay &quot;rent.&quot; If it's money, then the rent is named &quot;interest.&quot; Either way, incredibly is similar.&lt;br&gt;<br /> <br /> When we go to a lender -- a bank or a private party -- and get a loan cash, we are in order to pay interest on the money in recognition of the fact that the money we've been borrowing is actually definitely an asset which we want to use. It seems only fair to spend a rental fee to the focal point in the one that owns it. It is just not easy to accumulate an automobile, and it is not easy to acquire money -- real money, that's. If the cash our company is borrowing was earned by someone's labor and talent, they're fully entitled to get interest this. But just what are we to think of money that is created through the mere stroke of the pen or the clicking of a pc key? Why should anyone collect a rental fee on that?&lt;br&gt;<br /> <br /> When banks place credits in your bank checking account, they're merely pretending to lend you money. In reality, they've got absolutely nothing to lend. Even the cash that non-indebted depositors have placed with them was originally created associated with nothing reacting to another individual's loan. So what entitles finance institutions to recover rent on nothing? It is immaterial that men everywhere have legally to accept these nothing certificates in return for sure services and goods. We are talking here, not about what on earth is legal, what on earth is moral. As Thomas Jefferson observed on the duration of his protracted battle against central banking within the Down East, &quot;No you have an all-natural right for the trade funds lender, however he offers money to lend.&quot;&lt;br&gt;<br /> <br /> Let us, therefore, take a look at debt and interest a few of the light. Thomas Edison summed in the immorality of vibrations when he stated:&lt;br&gt;<br /> <br /> People who is not going to turn a shovel of dirt about the project [Muscle Shoals] nor contribute one pound of materials will collect more money...than will the those who will offer each of the materials and do all of the work.&lt;br&gt;<br /> <br /> Is make fish an exaggeration? Let us a purchase of a $100,000 home in which $30,000 represents the cost of another thing, architect's fee, sales commissions, building permits, knowning that type of thing and $70,000 is the fee of employment and building materials. If residence buyer puts up $30,000 youngster advance payment, then $70,000 must be borrowed. If the financing is disseminated at 11% the period of 30-year period, the quantity of of curiosity paid can be $167,806. That means quantity paid to those that loan the money is all about 2 1/2 times in excess of paid to people who provide each of the labor and all the materials. It applies that figure represents any time-associated with that money over thirty years and simply could possibly be justified on the idea a lender deserves for being compensated for surrendering the use of his capital for half an eternity. But that assumes financial institution actually had something to surrender, he had earned the administrative centre, saved it, next loaned it for construction of someone else's house. What shall we be to consentrate, yet , a few lender who didn't do anything to earn the money, hadn't saved it, and, the truth is, simply created it of nothing?&lt;br&gt;<br /> <br /> So how does the mortgage actually work?&lt;br&gt;<br /> <br /> 1. You need a loan in your home.&lt;br&gt;<br /> 2. The bank advertises that they loan money.&lt;br&gt;<br /> 3. You &quot;apply&quot; for any &quot;loan.&quot;&lt;br&gt;<br /> 4. They placed you through the ringer therefore make you glad and relieved that you just were able to be approved for a loan. (You know, like they're doing you a really big favor.)&lt;br&gt;<br /> 5. They have you sign a acceptance.&lt;br&gt;<br /> <br /> And here's the part you're never alleged to know&lt;br&gt;<br /> <br /> 6. Since your MO could be sold for money, it's a good point.&lt;br&gt;<br /> 7. The bank deposits the asset into consideration for about the involving the note.&lt;br&gt;<br /> 8. The bank cuts you a check the particular deposit you never knew about (or transfers the money to people who should be receiving it).&lt;br&gt;<br /> 9. And you think will owe a reimbursement on financing, when the truth is all that produced was an exchange.&lt;br&gt;<br /> <br /> If the acceptance bill is an asset, what funded the bank's ownership of the note?&quot; Answer: They still don't really purchased it. They made an exchange - Your MO (asset to your bank) was exchanged for approximately the involving the borrowed funds. You gave the lender a good point worth $100,000 as well as the bank returned $100,000 to your account. Where was the loan? There wasn't one. But you go about doing must admit, it's brilliant.&lt;br&gt;<br /> <br /> As a reputable, ethical one who believes that every one loans needs to be repaid, will you agree which the bank should repay the loan to them? After all, they deposited your IOU. Your acceptance is actually definitely an asset these people exchanged for a cheque. Where's the financing?&lt;br&gt;<br /> <br /> Factually, there isn't one. And since all lenders needs to be repaid, shouldn't the financial institution repay your loan in their mind? If so, you wouldn't have the &quot;debt&quot; and would live better.&lt;br&gt;<br /> <br /> Quickly, when you deposit money in your banking account, does the lender now owe you that cash when you are interested? Yes. The bank has a brand new asset, the $100 you deposited to your checking account. The bank also has a new matching liability that says your banker owes you $100. Assets = Liabilities.&lt;br&gt;<br /> <br /> The bookkeeping entries are nearly identical for a deposit to your bank checking account as well as for a new loan. By lending, banks now take over more liabilities and assets. If possibly to lend me $500, your &quot;pool of money&quot; could be smaller. When a bank &quot;loans&quot; money, their &quot;pool of cash&quot; increases. &lt;br&gt;<br /> <br /> [http://www.MyDebtRelease.com Debt solutions]</div> Mon, 23 Apr 2012 03:48:22 GMT HenkelSawicki883 http://www.aalf.org/wiki/index.php?title=Talk:HenkelSawicki883