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Sunday, October 24, 2010

Bus Bucks update


Below are the email exchanges between John Turmel and other
municipal candidates in the municipal election of 2010 in
Ontario. Obviously, the idea of "bus bucks" is an idea worthy
of implementing during this next four year term of office for
the municipal politicians. I am wondering which municipality
will be the first one to implement the idea of "bus bucks."

Bravo to John Turmel for initiating this idea!!
John has posted an abundance of "bus bucks" information
at his website at this link:
http://johnturmel.com/busbucks.htm

JCT: Early in the campaign, I sent out information on  Bus
Bucks to 1,800 Ontario Municipal candidates in towns with
buses. Out of all those contacted, only 21 wrote to say they
liked it or were interested. So I'm going to take a moment to
publish their comments and urge you to contact anyone you know
in their towns to vote for them just for being smarter than
their opponents.

AJAX
Lynda Everson
Hello John, Your proposal has caught my interest. If elected,
I would like to discuss the concept further. Good Luck,
---

BRANT
Martin Sitko (Council)
Hi John, I support the bus bucks idea. It sounds like a great
idea! Martin Sitko
---

BRANTFORD
Robert Ferguson (Ward 4)
I'm spreading the word about Bus Bucks.
---

BURLINGTON
Cathy Ridsdale
Dear Mr. Turmel: While the position (school board trustee) for
which I am running does not give me any power to make the
changes myself, I will certainly use it as a discussion point
where ever possible. Thank you for thinking outside the box
and combining our underused transit system and underemployed
youth for a constructive program. Good Luck with your
campaign.  Have fun.  Cathy Ridsdale
---

BURLINGTON
Jim Blake  (Ward 4)
John - I did receive this at my other email address - I
replied to you - and think you have a great idea, already I am
promoting it - and have passed it on to friends running in
other Ontario ridings - they too agree it is a super idea -
even if not in office, I like you would continue to promote
this Timebank project. Best wishes to your success
---

BURLINGTON & HALTON
Jim Blake (Council)
I love this idea and when elected to Ward 4 in Burlington I
will be most enthused about promoting this for Burlington and
Halton - great idea. I also sent this along to an old friend
Mike Jaycock - former broadcaster in Hamilton when I was at
CKOC 150 - he is running for council in Eagle Lake
BEST WISHES FOR ELECTION IN BRANTFORD
---

CAMBRIDGE
Mark Fox (Council)
Awesome idea John. Good luck! I've included a plug about this
idea in my bio in an upcoming edition of the Cambridgeshire
times. Thanks Mark
---

HALTON
Mandy Kerfoot (Public School Board Trustee)
Thanks John. I think that is a great idea, providing kids an
opportunity to earn instead of them just being given things.
We do not have public transit in our area aside from the Go
bus. Good luck on your campaign.
---

KAWARTHA
Lynne Boldt (Mayor)
Thanks very much John for sharing this wonderful idea with me
and while I am unable to commit my Municipality's support at
this time, it is definitely something I would keep under
consideration for coming days. Excellent proposal and best
wishes for it's growing success. Lynne Boldt CoKL
---

KITCHENER
Yvonne Fernandes
Hello John, Thank you for your interesting and novel idea on
how to create jobs and get people using the transit system.
I hope that after the election you will bring your ideas to
Council at all levels and explain in more detail how this
system works.
---

LONDON
Tom Winnicki (Mayor)
I've always been a supporter of alternate currency.
---

LONDON
Mary Bray
Hi Sorry too busy to quite understand what you are saying -
but certainly I agree it is a great idea to put work Pan
Handlers, etc in London to work - especially our downtown -
BUT I THINK THERE IS SOME KIND OF GOVT PROBLEMS????? Unions??
Mary B

From: John Turmel
To: Mary Bray

MB: it is a great idea to put work Pan Handlers, etc  in
London to work -
Jct: What a great idea to let pan handlers earn Bus Bucks too.
Hadn't thought of it and I'm sure we'll soon think of many
more. Karen Appleton has also responded. Any chance you can
start a Bus Bucks bandwagon so you get your friends to support
her and she and I will get our London friends to support you.
Anyway, I'd love to hear you endorse my
http://johnturmel.com/busbucks.mpg video of how people react
to the idea of Bus Bucks Jobs. If it goes viral, we all get
elected.

Mary Bray
After watching video getting the whole idea - why wouldn't I
support your plan to save taxes? -- help students, welfare
keep people working and fill up the all the empty buses, with
more of a eco approach - a win win win win for all - thanks
for the idea
I have been in real estate business for 50 yrs - and was top
agent in Canada - but mostly doing commercial and affordable
housing projects - I hate politics but only way to be heard.
Definitely your idea with bus passes - I have done something
like that - by getting panhandlers to basically trade work for
food -  a cute little cafe - I had them clean the windows for
food - helping tenant a small business and they loved it and
had food that they would not get to eat on welfare - we need
to help these young people and teach them how to work.
Beside I had a magnificent Heritage Bldg -  old vaudeville
theatre - which had renovated to a nice restaurant (won award
first year I opened) - 1991 - GST - Also used the govt program
to pay a portion of handicap workers - which they really
appreciated being able to be part of what was happening and
helped me too in those terrible GST times.
Yours is even better - with REDUCING city taxes at the same
time - why are these educated top paid bureaucrats and the
politicians - especially in London - spending our money so
recklessly with total NO COMMON SENSE.
Hamilton has taken our wonderful editor PAUL BURTON - from
London Free Press - please tell him we miss him and are very
sad to lose such a great guy - I think he would like your idea
and support it. Tell him Mary Bray and all of London miss him
Now Hamilton have more trees that we do - stolen our "Forrest
City" too. Paul has supported so many ideas over the years but
city hall will not listen - see my website - so to make a
statement  - I am running for city hall too - maybe we can
make a change - FREEZE TAXES, revitalize our downtown with out
spending $Millions of taxpayers money.
I like Warren Buffet's approach to business
Micheal Moore -  just lately he said don't just complain - do
something .... run for city hall - look what he has done - by
being quite outrageous. Good luck - hope this time you get in
for mayor.  Mary Bray
---

LONDON
Karen Appleton
Poverty is a violation of human rights. I agree 100% with this
statement. Perhaps this idea would be an incentive for the
children of Ontario Works parents to become involved and
receive valuable work experience. This would encourage staying
in school and lowering the crime rates. Thank you for the
information.
---
Hi John. The reason why I like this is people on Ontario Works
and other social assistances just cant seem to catch a break.
The amounts just are not enough to live on. Points cards,
foodbanks and church vouchers seem to be the only thing that
isnt clawed back. You are expected to live off of OSAP while
attending "higher education" but there is no guarantee of a
job to pay back these funds now. After you are done with your
education then the loan is considered a personal debt. There
is no help with it.

From: johnturmel@yahoo.com

"Perhaps this idea would be an incentive for the children of
Ontario Works parents to become involved and receive valuable
work experience."
Jct: You're the second candidate to mention using Bus Bucks to
reward these kids.
There are so many things Bus Bucks could be used for, I can
only hope you'll jump on the Bus Bucks Bus-Wagon tell the
world you'll take Brantford's if I'll take London's. In 1999,
under the UNILETS Time Standard of Money, I paid for 39/40
nights in Europe with a timebank IOU for a night back in
Canada worth 5 Hours which I recorded on my public do-it-
yourself timebank account: http://johnturmel.com/unilets.com I
have no doubt that we'll set up a LETS so Londoners can find
Bus Bucks accommodations in Brantford as London can easily
build a list of people who'd like to earn some Brantford Bus
Bucks for a spare room.
We're building a big timebank here and as long as it's $12 Bus
Bucks per Hour like Canadians have always paid ourselves $12
Greendollars per hour, then we're compatible with the rest of
the timebank world and residents of Brantford and London can
travel the world on the Bus Bucks UNILETS TimeBank Accounts.

"This would encourage staying in school and lowering the crime
rates. Thank you for the information."
Jct: You should see how the "Timedollars" program worked to do
that in the States. Imagine paying older kids to tutor other
kids with Bus Bucks rather than Timedollars. I haven't even
yet started to flesh out such other uses and you're free to
join in.
You're the first of over 350 who has responded positively.
More power to you, Karen Appleton.

Mary Bray from London also just responded positively. Maybe
you can start your London bandwagon getting your friends to
support her while she and I get out London friends to support
you.
---

LONDON
Zak Young
"While I accept the need for an alternate currency, I would
like to see it dictated by the market and am confidant should
we legalize competition in currencies a gold standard would be
the consumer's preferred monetary system.
Jct: Why don't we cover the need you accept for an alternate
currency with Bus Bucks until we  find the gold? And it will
be dictated by the market for labor. More kids putting in
time, more double-backed (time & rides) Bus Bucks to stimulate
local trading. Our $2 tickets will replace the Twonies so we
can bank the cash and save the interest.

"I fail to see any advantage to your bus bucks over our
current fiat money supply."
Jct: You don't have enough fiat money supply and I do have
enough bus tickets to stimulate trade and we can bank the cash
we've substituted for with Bus Bucks and keep the interest.

"Virtually everyone who has written on the subject of money is
what is termed a "money crank". This term I believe applies to
you and your proposal. Printing more money does nothing, what
we need to do is create more wealth. Printing money is in
general a bad idea also because of the disincentive inflation
causes with regards to savings."

JCT: Can't resist including those candidates who cannot see.
---

OTTAWA
Robert Gauthier (Mayor)
I support Bus Bucks.

MARKHAM
Marlene Gallyot
Great idea.
---

NEWCASTLE
Carl Zmozynski
John,Good ideas for the 21 century,  Good luck Regards,
---

ORILLIA
Kelly Clune
Great idea John! I'll see what I can do about sharing it.  I'm
a firm believer that we must provide accessible, convenient
and affordable public transportation. This works into my
platform nicely. Thanks!! Kelly Clune
---

OSHAMA
Bill Harris
Good luck on that one John
---

PICKERING
Ken Nash
What a great idea John! Get this, out Durham way if a student
is going to Durham College or UOIT, they get to travel Durham
transit for free, just show their student card. But this time
bank is something special. If your constituents are wondering
why their debts are so onerous check this out, given the
developer crowd out your way image it's the same there. To pay
a $300k mortgage in Pickering compared to Toronto as result of
difference in tax rate is $180k more. Cheers, Ken Nash
http://web.me.com/kenwnash/For_Pickering_Mayor/Youre_poorer_than_you_think.html
---

SUDBURY
Leo Bisson
John I think this is the best I have heard yet. We do not do
that here yet, but once I am elected in city council I hope
you have no problems if I do it here. Like you said it could
be good here and in Bradford. Maybe after the election if we
both get in we can chit chat. Thanks Leo Bisson
---

VAUGHN
Deb Schulte
Great idea! I have not got the ability to make this happen as
I am not yet on Council and this is not yet in place. If I get
in I can work toward getting a program such as this in place,
however I cannot promise to do this before the election. Best
wishes! Deb
---

And with me, that's 22 candidates out of 1800, 1.22%, rarer
than the 2% it takes to get into Mensa. The others showed no
leadership whatsover, faced with a wonderfully simple idea,
they just could not manage the get up and go to act. So we're
the Mensa of the Ontario Municipal candidates who were told
about Bus Bucks and caught on.

JCT: Early in the campaign, I sent out information on  Bus
Bucks to 1,800 Ontario Municipal candidates in towns with
buses. Out of all those contacted, only 21 wrote to say they
liked it or were interested. So I'm going to take a moment to
publish their comments and urge you to contact anyone you know
in their towns to vote for them just for being smarter than
their opponents.

AJAX
Lynda Everson
Hello John, Your proposal has caught my interest. If elected,
I would like to discuss the concept further. Good Luck,
---

BRANT
Martin Sitko (Council)
Hi John, I support the bus bucks idea. It sounds like a great
idea! Martin Sitko
---

BRANTFORD
Robert Ferguson (Ward 4)
I'm spreading the word about Bus Bucks.
---

BURLINGTON
Cathy Ridsdale
Dear Mr. Turmel: While the position (school board trustee) for
which I am running does not give me any power to make the
changes myself, I will certainly use it as a discussion point
where ever possible. Thank you for thinking outside the box
and combining our underused transit system and underemployed
youth for a constructive program. Good Luck with your
campaign.  Have fun.  Cathy Ridsdale
---

BURLINGTON
Jim Blake  (Ward 4)
John - I did receive this at my other email address - I
replied to you - and think you have a great idea, already I am
promoting it - and have passed it on to friends running in
other Ontario ridings - they too agree it is a super idea -
even if not in office, I like you would continue to promote
this Timebank project. Best wishes to your success
---

BURLINGTON & HALTON
Jim Blake (Council)
I love this idea and when elected to Ward 4 in Burlington I
will be most enthused about promoting this for Burlington and
Halton - great idea. I also sent this along to an old friend
Mike Jaycock - former broadcaster in Hamilton when I was at
CKOC 150 - he is running for council in Eagle Lake
BEST WISHES FOR ELECTION IN BRANTFORD
---

CAMBRIDGE
Mark Fox (Council)
Awesome idea John. Good luck! I've included a plug about this
idea in my bio in an upcoming edition of the Cambridgeshire
times. Thanks Mark
---

HALTON
Mandy Kerfoot (Public School Board Trustee)
Thanks John. I think that is a great idea, providing kids an
opportunity to earn instead of them just being given things.
We do not have public transit in our area aside from the Go
bus. Good luck on your campaign.
---

KAWARTHA
Lynne Boldt (Mayor)
Thanks very much John for sharing this wonderful idea with me
and while I am unable to commit my Municipality's support at
this time, it is definitely something I would keep under
consideration for coming days. Excellent proposal and best
wishes for it's growing success. Lynne Boldt CoKL
---

KITCHENER
Yvonne Fernandes
Hello John, Thank you for your interesting and novel idea on
how to create jobs and get people using the transit system.
I hope that after the election you will bring your ideas to
Council at all levels and explain in more detail how this
system works.
---

LONDON
Tom Winnicki (Mayor)
I've always been a supporter of alternate currency.
---

LONDON
Mary Bray
Hi Sorry too busy to quite understand what you are saying -
but certainly I agree it is a great idea to put work Pan
Handlers, etc in London to work - especially our downtown -
BUT I THINK THERE IS SOME KIND OF GOVT PROBLEMS????? Unions??
Mary B

From: John Turmel
To: Mary Bray

MB: it is a great idea to put work Pan Handlers, etc  in
London to work -
Jct: What a great idea to let pan handlers earn Bus Bucks too.
Hadn't thought of it and I'm sure we'll soon think of many
more. Karen Appleton has also responded. Any chance you can
start a Bus Bucks bandwagon so you get your friends to support
her and she and I will get our London friends to support you.
Anyway, I'd love to hear you endorse my
http://johnturmel.com/busbucks.mpg video of how people react
to the idea of Bus Bucks Jobs. If it goes viral, we all get
elected.

Mary Bray
After watching video getting the whole idea - why wouldn't I
support your plan to save taxes? -- help students, welfare
keep people working and fill up the all the empty buses, with
more of a eco approach - a win win win win for all - thanks
for the idea
I have been in real estate business for 50 yrs - and was top
agent in Canada - but mostly doing commercial and affordable
housing projects - I hate politics but only way to be heard.
Definitely your idea with bus passes - I have done something
like that - by getting panhandlers to basically trade work for
food -  a cute little cafe - I had them clean the windows for
food - helping tenant a small business and they loved it and
had food that they would not get to eat on welfare - we need
to help these young people and teach them how to work.
Beside I had a magnificent Heritage Bldg -  old vaudeville
theatre - which had renovated to a nice restaurant (won award
first year I opened) - 1991 - GST - Also used the govt program
to pay a portion of handicap workers - which they really
appreciated being able to be part of what was happening and
helped me too in those terrible GST times.
Yours is even better - with REDUCING city taxes at the same
time - why are these educated top paid bureaucrats and the
politicians - especially in London - spending our money so
recklessly with total NO COMMON SENSE.
Hamilton has taken our wonderful editor PAUL BURTON - from
London Free Press - please tell him we miss him and are very
sad to lose such a great guy - I think he would like your idea
and support it. Tell him Mary Bray and all of London miss him
Now Hamilton have more trees that we do - stolen our "Forrest
City" too. Paul has supported so many ideas over the years but
city hall will not listen - see my website - so to make a
statement  - I am running for city hall too - maybe we can
make a change - FREEZE TAXES, revitalize our downtown with out
spending $Millions of taxpayers money.
I like Warren Buffet's approach to business
Micheal Moore -  just lately he said don't just complain - do
something .... run for city hall - look what he has done - by
being quite outrageous. Good luck - hope this time you get in
for mayor.  Mary Bray
---

LONDON
Karen Appleton
Poverty is a violation of human rights. I agree 100% with this
statement. Perhaps this idea would be an incentive for the
children of Ontario Works parents to become involved and
receive valuable work experience. This would encourage staying
in school and lowering the crime rates. Thank you for the
information.
---
Hi John. The reason why I like this is people on Ontario Works
and other social assistances just cant seem to catch a break.
The amounts just are not enough to live on. Points cards,
foodbanks and church vouchers seem to be the only thing that
isnt clawed back. You are expected to live off of OSAP while
attending "higher education" but there is no guarantee of a
job to pay back these funds now. After you are done with your
education then the loan is considered a personal debt. There
is no help with it.

From: johnturmel@yahoo.com

"Perhaps this idea would be an incentive for the children of
Ontario Works parents to become involved and receive valuable
work experience."
Jct: You're the second candidate to mention using Bus Bucks to
reward these kids.
There are so many things Bus Bucks could be used for, I can
only hope you'll jump on the Bus Bucks Bus-Wagon tell the
world you'll take Brantford's if I'll take London's. In 1999,
under the UNILETS Time Standard of Money, I paid for 39/40
nights in Europe with a timebank IOU for a night back in
Canada worth 5 Hours which I recorded on my public do-it-
yourself timebank account: http://johnturmel.com/unilets.com I
have no doubt that we'll set up a LETS so Londoners can find
Bus Bucks accommodations in Brantford as London can easily
build a list of people who'd like to earn some Brantford Bus
Bucks for a spare room.
We're building a big timebank here and as long as it's $12 Bus
Bucks per Hour like Canadians have always paid ourselves $12
Greendollars per hour, then we're compatible with the rest of
the timebank world and residents of Brantford and London can
travel the world on the Bus Bucks UNILETS TimeBank Accounts.

"This would encourage staying in school and lowering the crime
rates. Thank you for the information."
Jct: You should see how the "Timedollars" program worked to do
that in the States. Imagine paying older kids to tutor other
kids with Bus Bucks rather than Timedollars. I haven't even
yet started to flesh out such other uses and you're free to
join in.
You're the first of over 350 who has responded positively.
More power to you, Karen Appleton.

Mary Bray from London also just responded positively. Maybe
you can start your London bandwagon getting your friends to
support her while she and I get out London friends to support
you.
---

LONDON
Zak Young
"While I accept the need for an alternate currency, I would
like to see it dictated by the market and am confidant should
we legalize competition in currencies a gold standard would be
the consumer's preferred monetary system.
Jct: Why don't we cover the need you accept for an alternate
currency with Bus Bucks until we  find the gold? And it will
be dictated by the market for labor. More kids putting in
time, more double-backed (time & rides) Bus Bucks to stimulate
local trading. Our $2 tickets will replace the Twonies so we
can bank the cash and save the interest.

"I fail to see any advantage to your bus bucks over our
current fiat money supply."
Jct: You don't have enough fiat money supply and I do have
enough bus tickets to stimulate trade and we can bank the cash
we've substituted for with Bus Bucks and keep the interest.

"Virtually everyone who has written on the subject of money is
what is termed a "money crank". This term I believe applies to
you and your proposal. Printing more money does nothing, what
we need to do is create more wealth. Printing money is in
general a bad idea also because of the disincentive inflation
causes with regards to savings."

JCT: Can't resist including those candidates who cannot see.
---

OTTAWA
Robert Gauthier (Mayor)
I support Bus Bucks.

MARKHAM
Marlene Gallyot
Great idea.
---

NEWCASTLE
Carl Zmozynski
John,Good ideas for the 21 century,  Good luck Regards,
---

ORILLIA
Kelly Clune
Great idea John! I'll see what I can do about sharing it.  I'm
a firm believer that we must provide accessible, convenient
and affordable public transportation. This works into my
platform nicely. Thanks!! Kelly Clune
---

OSHAMA
Bill Harris
Good luck on that one John
---

PICKERING
Ken Nash
What a great idea John! Get this, out Durham way if a student
is going to Durham College or UOIT, they get to travel Durham
transit for free, just show their student card. But this time
bank is something special. If your constituents are wondering
why their debts are so onerous check this out, given the
developer crowd out your way image it's the same there. To pay
a $300k mortgage in Pickering compared to Toronto as result of
difference in tax rate is $180k more. Cheers, Ken Nash
http://web.me.com/kenwnash/For_Pickering_Mayor/Youre_poorer_than_you_think.html
---

SUDBURY
Leo Bisson
John I think this is the best I have heard yet. We do not do
that here yet, but once I am elected in city council I hope
you have no problems if I do it here. Like you said it could
be good here and in Bradford. Maybe after the election if we
both get in we can chit chat. Thanks Leo Bisson
---

VAUGHN
Deb Schulte
Great idea! I have not got the ability to make this happen as
I am not yet on Council and this is not yet in place. If I get
in I can work toward getting a program such as this in place,
however I cannot promise to do this before the election. Best
wishes! Deb
---

And with me, that's 22 candidates out of 1800, 1.22%, rarer
than the 2% it takes to get into Mensa. The others showed no
leadership whatsover, faced with a wonderfully simple idea,
they just could not manage the get up and go to act. So we're
the Mensa of the Ontario Municipal candidates who were told
about Bus Bucks and caught on.

Wednesday, October 20, 2010

Joan Veon - One Of Our Greatest Heroes Passes


"Goodbye, dear Joanie, we will miss you, your BRILLIANT mind, and your always happy, sparkling voice more than words can adequately say. This is a great personal loss for me and for the GOOD on this forlorn planet. Joan personally traveled to over 100 of the top meetings of the elite controllers to capture the most crucial information and present the BIG PICTURE to all who have ears to hear and who are not afraid of the truth. She is irreplaceable." -- Jeff Rense

JOAN MARIE (YOCCO) VEON

On October 18, 2010, with her husband Rod holding her hand, Joan answered her Master's call and slipped quietly away to be with her Lord and Savior after a courageous three year battle with breast cancer. She was 61 years old.

Joan's remarkable life began in Racine WI on May 17, 1949, born as a twin with Raymond, to Albert A. and Mary A. (Parino) Yocco. On March 22, 1963 Joan asked Jesus to come into her heart and be her Lord and Savior, after which she dedicated her life to doing God's will.

Joan is a graduate of Horlick High School, class of '67, continued on to attend Moody Bible Institute in Chicago, then finished her education at Geneva College in Beaver Falls PA earning her Bachelor's degree in Business.

While living in PA she met Roderick W Veon whom she married on August 13, 1977. Joan and Rod lived in the Pittsburgh area before moving into the Washington DC area. For the past 8 years they have resided in Middletown MD.

Joan's career began as an executive secretary in the International Department at J I Case Company. Upon earning her business degree she worked as a Certified Financial Planner in PA, The IDS and Windsor Financial Group in MD, before incorporating and opening Veon Financial Services, Inc. in the spring of 1986.

As Joan studied financial trends she began to notice an alignment indicating a world currency. Joan prayed diligently for God to show her truth and in 1994 the Lord opened the door for her to attend her first global meeting on Population Control in Cairo Egypt, initiating her first glimpse of world government. Thus beginning Joan's second career as a credentialed, independent, International Journalist reporting for USA Radio News Network. During the next 16 years the Lord opened doors for Joan to interview and ask key questions of prime ministers, presidents, kings, and heads of state. At times, as the only American reporter, Joan covered over 103 international meetings, including: the G7, G8, G10, G20, and Bank for International Settlements (BIS) in Basel Switzerland; attended yearly the World Economic Forum in Davos Switzerland; and twice a year covered the IMF World Bank meetings.

In addition she attended UN meetings on the Free Trade Areas of the Americas, Sustainable Development, the Earth Summit, Climate Control, the International World Court, and numerous others. Following the UN conference on Sustainable Development in Istanbul Joan was compelled to write her first book "Prince Charles, the Sustainable Prince" published in 1997, followed by her second book "Global Straitjacket" in 1999. Joan founded The Women's International Media Group, a non-profit organization, in 1998 to share her vast knowledge and understanding of world government. In addition Joan also wrote a monthly newsletter, produced many DVDs on global topics, appeared as a regular guest speaker on hundreds of radio talk shows and was invited to be a keynote speaker for various meetings around the world. Most recently Joan wrote articles for http://www.newswithviews.net

Though small in stature, Joan was a giant warrior and devout patriot.

Joan is survived by the love of her life and best friend husband, Rod, her mother, Mary A. Yocco of Watonga OK, twin brother, Raymond A. Yocco of Racine WI, sisters Pat (Pablo) Ramirez of Watonga OK, Debi Massegee of Owasso OK, Judy Yocco of Phoenix AZ, Carrie (Greg) France of Watonga OK, brother John Yocco of Racine WI, in-laws Ralph and Mary Veon of Beaver Falls, PA, sisters in-law Carol (Gene) Whalen of Enon Valley PA and Lynn (Bill) Allen of DeLand FL. She is further survived by many precious nieces and nephews, cousins and dearly loved friends. She was proceeded in death by her beloved father, Albert Yocco, brothers-in-law Rodney Pierce, Jerry Massegee and a niece Joy Yocco.

Visitation will be held on Sunday, October 24, 2010 from 4 p.m. to 6 p.m. at Purath-Strand Funeral Home, Douglas Av at 3 Mile Rd. in Racine, WI. Services to be held on Monday, October 25, 2010, at 11 a.m., at Calvary Memorial Church, 4001 Washington Avenue in Racine, WI, interment to follow at West Lawn Cemetery. Donations in Joan's honor can be made to the Women's International Media Group, Inc., PO Box 77, Middletown MD 21769.

"As an international reporter I have made it a point to ask the crucial questions in order that the unspoken agenda may be put into words. I have also sought to keep abreast of evolving global changes, how the world will be affected, and to report what is truth." - Joan Veon

This article is originally published at Jeff Rense's website at this url:
http://www.rense.com/general92/joanv.htm

Friday, October 15, 2010

The Winged Lion Awards



The Winged Lion Awards are in honour of the ‘Winged Lion’ – which is the historical symbol of usuryfree money. The Winged Lion Awards are presented to the winners from the nominated usuryfree creatives on behalf of the UsuryFree Network during the Annual UsuryFree Week scheduled from November 13th, until November 19th, each year.

Nominations are commonly accepted from local, national and international usuryfree creatives.

The winners of the Winged Lion Awards are honoured at a special event each year during the celebration of UsuryFree Week.
Nominations are currently open for the following 15 categories:

1. A community that has launched new paper notes of usuryfree community currency during the current year. This community must have done something unique for their launch of paper notes of usuryfree community currency. Samples of the paper notes and details of this unique activity must be submitted with the nomination.

2. An individual usuryfree creative who has authored a unique article about the design flaw of usury during the current year. A copy of the article must be submitted with the nomination.

3. An individual usuryfree creative who has authored a unique article about the usuryfree community currency movement during the current year. A copy of the article must be submitted with the nomination.

4. An individual usuryfree creative who has authored a noteworthy quote about usuryfree living during the current year. A copy of the quote must be submitted with the nomination.

5. A newspaper or magazine that has published at least one article about the usuryfree community currency movement during the current year. A copy of the newspaper or magazine containing the article must be submitted with the nomination.

6. An individual usuryfree creative who has traded for more than $1000.00 worth of any usuryfree community currency or any combination of two or more usuryfree community currencies during the current year. Proof of amount of trading must be submitted with the nomination.

7. An internet company that is facilitating the completion of an online database of usuryfree creatives who are committed to advancing the mission of connecting the various usuryfree community currency groups – locally, nationally and internationally. Details of the project must be submitted with the nomination.

8. An individual usuryfree creative who is dedicated to the political application of usuryfree living at any level of politics – municipal, provincial/state or federal. Details of the political activity must be submitted with the nomination.

9. An individual usuryfree creative who has produced a DVD or video during the current year wherein the problems of usury and/or the solutions as offered by the usuryfree community currency movement are presented. A copy of the DVD must be submitted with the nomination.

10. An individual musician or a musical group that has written a song about usury-based economics or usuryfree economics during the current year. A copy of the song must be submitted with the nomination.

11. A duly registered political party that officially endorses the usuryfree community currency movement. Proof in writing from the duly registered political party must be submitted with the nomination. This duly registered political party may be provincial/state or federal.

12. An individual or group of usuryfree creatives who has/have planned and hosted a usuryfree community currency conference during the current year. A copy of the schedule of events for the conference complete with the location and date must be submitted with the nomination.

13. A charitable foundation/organization that openly supports the usuryfree community currency movement. Details of how this particular foundation/organization supports the usuryfree community currency movement must be submitted with the nomination.

14. A member of the clergy (from any denomination) who is actively speaking outagainst the design flaw of usury and its eveil effects on individuals and on society. Proof of his/her usuryfree mission must be submitted with the nomination.

15. An individual usuryfree creative who incessantly seeks justice in matters relating to taxes and usury in their JUST-US system of commerce where it is enforced by their judges. Details of how justice is sought by this individual usuryfree creative must be submitted with the nomination.

NOTE: Readers are invited to suggest additional categories that could be considered for a nomination for a Winged Lion Award. Send your suggestion to the The UsuryFree Network at the address below.

All nominations must be submitted in writing. All nominations must be signed by the nominee and the seconder and mailed to: The UsuryFree Network, P. O. Box 9333, Ottawa, Ontario K1G 3V1

All nominations for the Winged Lion Awards must be postmarked on or before November 1st, of the current year.

Definitions:
UsuryFree Creative: ‘One who is dedicated to living a usuryfree lifestyle.’
UsuryFree Network: ‘A private network of usuryfree creatives who are actively promoting the usuryfree lifestyle.’
Winged Lion: ‘The historical symbol of usuryfree money is re-born and is printed on various paper notes of usuryfree community currency in this 21st Century.’

For more information about the “Sixth Annual UsuryFree Day and Week” watch my wall at Facebook and/or visit The UsuryFree Eye Opener regularly: http://usuryfree.blogspot.com

Interest - Our Invisible Slavery


by Anthony Migchels

- excerpt by Henry Makow: http://www.henrymakow.com

anthony.migchels@gelre-handelsnetwerken.nl

Let's say you want to buy a house and go the bank and get a loan. Say 200k. The simple truth is, after thirty years you will have payed back 600k. 200k for the principal and 400k (!!) in interest.

Now this might be ok, or at least somewhat understandable, if you were borrowing this money from somebody else, who has been saving it. But as we know, this is not the case. The money is produced the moment the loan is granted by the bank. In a computer program. By pressing a few buttons.

So basically you pay 400k interest for pressing a button. Granted, the bank needs to manage the loan during the time it is being repaid. But the cost for this is still only a fraction of the income they get through the interest.

Now, we could stop here, because it is clear that the bank is ripping us off, also in legal terms, although they make the laws themselves, because there is no realistic service being delivered for the money.

But there is so much more, we must continue.

When the bank creates some money by giving you a loan, it takes the money out of circulation when you repay. Repaying debts means a diminishing money supply. The banks only provide the principal, in our previous example 200k. But after thirty years, 600k has been repaid and only 200k was created. So how can this be? How can 600k be repaid by 200k?

It can't. Somebody else needs to get into debt to create sufficient liquidity to pay the 400k interest. And the borrower of the original loan must start competing for this liquidity with everybody else to obtain that, intrinsically scarce, cash.

This means that because of the combination of debt and interest, the money supply must grow forever. But we know that a growing money supply is the definition of inflation and that inflation is closely linked to rising prices.

So inflation is inherent in the system. This sounds strange, because Central Banks raise interest rates to lower inflation, reasoning less credit will be issued because of rising prices for it. But the higher the interest rates go, the more money must be created to pay for this interest.

Just one of the perverse side effects of interest in the current wealth transfer system we call 'finance'.

So what of it you think. I was raised to be conservative in these matters and one should simply not get into debt, so you won't pay interest.

Wrong. Not only because if nobody went into debt, there would be no money, but because companies go into debt to finance their production. They pay interest (capital costs) over these loans. And like any cost this must be calculated into the prices they ask for their goods and services.

And what percentage of prices can be related to interest? It depends on the kind of business, particularly how capital intensive it is. Going from 12% for garbage collection to 77% for renting a house. All in all about 40% of prices can be traced back to costs for capital. These figures have been corroborated by an independent study done by Erasmus University, Rotterdam, the Netherlands under the supervision of STRO, a leading monetary think tank in the Netherlands.

So, you lose 40% (!!!!) of your disposable income to interest through prices.

Interest is being paid by people borrowing money and received by people having loads of it. So it is per definition a wealth transfer from poor to rich.

It transpires, that about 80% of the poorest people pay more interest than they receive to the richest 10%. The next richest 10% pay as much as they receive. This means the vast majority is losing a substantial part of their money to interest. The richest own the banks or have a lot of money there.

We must keep in mind that this is totally for nothing, since most of the money is printed at the time it is loaned out.

How much money are we talking about? I have only figures for Germany, but reason suggests it is basically the same everywhere.

In Germany the poorest 80% pay 1 billion Euros in interest to the richest 10% PER DAY. Yes, that's right, one billion euros per day. That is a grand total of 365 billion euro's per year. That is one seventh of German GDP and extrapolating this to America, the poorest 80% must be paying at least a trillion a year.

It conclusively explains the old adage that the rich get richer and the poor get poorer.

This is the hidden tax that nobody is talking about.

This is the yoke that we carry.

This is the worst kind of slavery, because it is slavery without even realizing it.

This is interest and let it never be forgotten.

This is our mortal enemy and let us never take our eyes of it again, until it is thrown into the fire of hell, together with the usurers enslaving us with it.

--Complete article can be found here - "On Interest" by Anthony Migchels

Margrit Kennedy is saying exactly the same thing, in this must-see video from Germany:
http://www.youtube.com/watch?v=QuBy3BzCXwg

See also http://www.monetaryreform.com

Related - A History of Usury

NOTE: This article was originally published at Henry Makow's website at this url:
http://www.henrymakow.com/interest_-_our_invisible_slave.html

Tuesday, October 05, 2010

Letters to Home Depot


These are the letters that were sent to Home Depot re: usury resistance by informed usuryfree creatives.

To read the background details of what happened before these letters were written to Home Depot click here.

Tuesday, July 13, 2010

Manager
Home Depot

Dear Sir:

On the Home Depot corporate website it is written:

“At The Home Depot, dedication to serving our customer and providing the ultimate shopping experience is everyone's priority. Maintaining this focus and commitment is a leadership team that believes our company values and commitment to great customer service will create value for all our stakeholders. Working in a Store Support Center, rather than a corporate headquarters, our leadership knows that the most important people in the fabric of our company are the store associates and store leadership teams.”

By the above quotation from the Home Depot corporate website it seems that this giant retailer of home improvement materials aims to promote friendly customer service. As Ellen Roseman wrote in her article on June 28, 2008, that ‘friendly’ image may very well be only ‘skin-deep.’

Since I did not get the expected response from ‘Cozano’ with ID No. 4V0 on Friday, June 9, 2010 I am writing this letter to a manager, as you are one of the most important people on the store leadership team Home Depot. And you are fully aware that I have purchased and paid in full for a considerable amount of building materials at the Home Depot store

Hopefully, I will not have to go further up the heirarchal chain of the “Big Orange” to (a) using the “Ben Hill” toll free telephone number (1.800.668.2266) and/or (b) contacting Annette Verschuren, President, Home Depot Canada to get satisfaction for this complaint.

By the way, why is the mailing address of the Head Office of Home Depot Canada Corporation designated as ‘classified information?’

If your Home Depot store in co-operation with Home Depot Canada Corporation do not immediately waive the outstanding interest (usury) fees of $440.25 on my Home Depot Credit Card account I will be contacting Grasshopper Media with a request to come to the parking lot of your Home Depot Store to interview customers (coming and going) about their unique and costly experiences with the “No Payments, No Interest & No Fees for 6 Months” Home Depot Credit Card.

Then Grasshopper Media will post these interviews on such social networking websites as YouTube, Facebook, My Space. Twitter etc. so that the Court of Public Review will be informed about how the “Big Orange” gets bigger financially by fleecing its customers with deceitful and greedy interest (usury) charges that are levied on the “No Payments, No Interest & No Fees for 6 Months” Home Depot Credit Card when the customer is one day late with a monthly payment.

And, as a follow up I will do my part to initiate “bad-word-of-mouth” advertising so that more consumers will be better informed about Home Depot’s unbending adherence to greedy policies and rules intent on ‘theft by usury.” Indeed, unless the $440.25 of interest (usury) is waived from my Home Depot Credit Card account, this will be a hot topic over many drinks at barbecues with families, friends and neighbours this summer and I will never spend another cent at any Home Depot store - and I will invite others to likewise avoid shopping at any Home Depot store so that the financial reverses that the Home Depot corporation has been suffering in recent months continues into the future.

Blogger, Tom J. Kenendy has summarized the details of my recent complaint about Home Depot’s ‘fine print’ policy to fleece unsuspecting consumers with exhorbitant rates of interest (which ought to be correctly called usury) when they are one day late with a monthly payment. This summary is attached as a separate document with this letter.

My Home Depot credit card account is now paid in full - for the merchandise that I have purchased. The remaining balance of $440.25 is the amount of interest (usury) that I am requesting Home Depot Credit Services to waive so that my account balance is reduced to zero.

I await your response.
cardholder

PS: For your own personal library I have included a copy of Tom J. Kennedy’s booklet “Life Without Usury” - a collection of historical and current articles about the design flaw of usury and its effects on debtors at all levels - individuals, families, companies and governments.

***********************************************************

Friday, August 13, 2010

Manager
Home Depot

Dear Sir:

I am still waiting for your written response to my letter to you dated July 13, 2010.

Enclosed is a copy of the most recent statment of my Home Depot credit card account. It still shows a charge of $220.12 (interest) which is due on August 27, 2010.

Please provide a written response to our discussion and the documents that we left with you on July 6th explaining the situation - and the follow up letter of July 26th.

Please provide this written response before August 27th, 2010.

Sincerely,
cardholder

*********************************************************

Monday, August 30, 2010

Manager
Home Depot

Dear Sir:

I have received your letter dated August 23, 2010 with the copy of the receipt for $220.12 (document 6068****) whereby you cleared up the balance of overdue interest (usury) on my Home Depot credit card account.

I sincerely thank you for your confirmation in writing. As Manager of a Home Depot Store, you have demonstrated that your store is intent on promoting friendly customer service.

My partner and myself will continue to choose your store when we need to purchase items for our home. And we will continue to tell our families, friends and neighbours about the high quality of service that we have received at Home Depot.

What we have learned is what we will share with others - that is to read the fine print of the “No Payments, No Interest & No Fees for 6 Months” Home Depot “interest-free” credit card and never to be one day late with any monthly payment.

Sincerely,
cardholder

UsuryFree Creatives vs Home Depot


By Tom J. Kennedy

The self-imposed mssion of this author was to find out whether or not Home Depot is a Greedy Coropration Engaged in the Immoral and Evil Action of Exacting and Collecting Exhorbitant Amounts of Usury from Unsuspecting Consumers who sign up for Home Depot’s “interest-free” credit card???

What follows is a detailed report about how a couple of usuryfree creatives won a victory by resisting to pay the exhorbitant amount of usury exacted on their “interest-free” Home Depot credit card. One suspects that too many consumers are being taken advantage of by Home Depot because they do not read the fine print on Home Depot’s “interest-free” credit card nor are they consistent when they resist paying unnecessary “usury” being exacted on their credit card account.

Others are asking: "Is Home Depot credit card a scam?"

Usury, the ultimate destroyer of human potential is the greatest scam in history ever perpetrated upon an unsuspecting public. Everyone knows someone who is a victim of the evil and immoral design flaw of usury. Every year more and more farmers, fishermen, forestry workers, factory workers, miners as well as professionals are runied financially either directly or indirectly due to the evil and immoral function of usury as it is exacted within our orthodox, economic system of debt-money.

Within the above-listed groups of people who are harmed financially by the exacting of usury are those countless numbers of consumers who were persuaded to complete a “Consumer Credit Card Application” for Home Depot Credit Services. By using a catchy phrase “Get Instant Credit Now” with “No Payments, No Interest & No Fees for 6 Months” many consumers were cajoled into requesting a Home Depot Credit Card.

In the Summer of 2008, I learned about a couple who were preparing to embark on a major basement renovation. At that time, they were persuaded by Home Depot staff to complete a “Consumer Credit Card Application” as they were planning to spend a considerable amount of money for building materials. Some of their payments were deferred for six months, others for tweleve months and some for fourteen months.

Since the most important element of a credit card is the rate of zero interest (usury) they anticipated that the Home Depot credit card would be the optimal credit card to use when we were shopping at Home Depot. However, they have learned that Home Depot’s enticing benefits are trumped by their greedy 28.8% interest (usury) fees that are exacted when any monthly payment is one day late! How deceptive and deceitful the fine print can be!!

On the “Consumer Credit Card Application” it is written:

“Convenient for large and small projects alike, The Home Depot® Consumer credit card is an ideal addition to any toolbox. Apply today and make no payments (including zero interest) for six months on purchases of $299 or more (after taxes)*. Interest may accrue.**

On the “Consumer Credit Card Application” it is also written in ‘fine print’:

“Interest accrues from the purchase transaction date and will be waived if the purchase amount is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Cardholder Agreement.”

One must go back and read the fine print of the Cardholder Agreement to get the full story about the 28.8% fee of interest (usury) being exacted on the Home Depot credit card. One can only assume that thousands of unsuspecting Home Depot consumers are unknowingly trapped into the 28.8% fee of interest (usury) because they were one day late with a monthly payment on their “No Payments, No Interest & No Fees for 6 Months” Home Depot credit card.

From August 2008 until August 2009 this couple made the monthly due payments in full. Somehow on August 2, 2008 they got charged $69.76 (interest which ought to be correctly called usury) on their bill. They immediately telephoned the toll free number for Home Depot Credit Services and after reviewing their file and verifying that indeed they had made all monthly payments in full, this $69.76 usury fee was reversed. One commendable action by the “Big Orange.”

From August 2009 until June 24, 2010 they again made every monthly payment in full. On June 28th they had to go out of town on family matters and they did not return to Ottawa until the evening of July 6th, 2010. On July 7th, 2010, they went to Home Depot and paid $1306.26 which was a couple of days overdue.

On Friday, July 9, 2010 they received the Account Statement from Home Depot Credit Services which had a charge of $440.25 (interest or usury) charges. They were stunned at the exhorbitant (interest or usury) fees which were added to their Account Statement for July 2010.

They went to the Home Depot where they had purchased the merchandise to ask for an explanation of the exhorbitant usury fees. A cordial staff member there there telephoned the toll free number (1.800.747.3787) for Home Depot Credit Services. They waited 20 minutes on the phone to talk with a staff member named ‘Cozana’ with ID No. 4V0. His direct telephone line is: 1.519.642.9629.

Cozana repeatedly explained that the $440.25 was the amount of ‘accrued’ usury charges that were levied on the total amount of $1613.41 for the previous fourteen month period simply because when they were out of town for part of the last week of June and the first week of July 2010. Apparently, being one day late with a payment is reason enough for Home Depot’s rigid ‘creditor’ bureaucracy to inflict severe economic pain on its credit card debtors.

They explained to Cozana that they had been very good customers of Home Depot for more than two years and that they had spend a considerable amount of money on building materials and that they expected Home Depot to earn profits from selling merchandise. They added that they were absolutely opposed to paying interest or usury to Home Depot and that it was grossly unfair for such exhorbitant usury fees to be added to their bill since they had a good reason to be a couple of days late for the payments due on June 30th and July 2nd, 2010.

Cozana responded with a comment indicating that Home Depot Credit Services has the intention of making money by charging usury. Then they added, that hearsay has it that many of the giant, retail, transnational corporations are making more money from charging consumers “usury” than they are by selling merchandise.

At the end of the conversation they asked Cozana to waive the usury charges of $440.25. Cozana responded that Home Depot would only waive 50% of the usury charges. They then told him that they would like to talk with one of the managers at the Home Depot where they had purchased all of their building materials because they still want 100% of the usury fees waived - otherwise they will never shop at Home Depot again.

Additionally, they explained that they will contact some media sources for a follow up story and of course they said that they would be encouraging all of their family, friends and neighbours as well as their many friends in cyberspace NOT to shop at any Home Depot store in the future.

Before they left the Home Depot store on Friday, June 9th, they paid off the balance owing for merchandise that they purchased in the amount of $1401.22. They did not pay the $440.25 in usury fees. On Tuesday, July 13, 2010 they planned to hand deliver a letter with accompanying documents to one of the managers at the Home Depot with the hope of experiencing financial justice from the Home Depot corporation.

It is critical for all consumers to become re-educated about the design flaw of usury and how it wreaks havoc on debtors. Retail corporations (including Home Depot) that own the credit cards are scamming debtors for multiple millions of dollars by exacting the ridiculous amount of 28.8% usury fees on accumulated credit card debt.

According to Susan White: “The average credit card debt accumulated by a single person in 2010 is $7735. - as displayed at this website: http://www.kaycircle.com/What-is-the-average-Credit-Card-Debt-in-2010

Just imagine the amout of usury being exacted each month on the unpaid credit card balances of consumers. It is both immoral and criminal!!

Readers are invited to spend some time reading the articles posted at the blog titled “The UsuryFree Eye Opener” to fully understand why the design flaw of usury must be exposed for the evil, immoral and killer machine that it really is.

And readers are invited to watch the video titled “Money As Debt” at google video at this url:
 http://video.google.ca/videoplay?docid=5352106773770802849#

To read the letters sent to Home Depot re: usury resistance by these informed usuryfree creatives click here.

Sunday, October 03, 2010

Against usury


In economic and political matters Christians often find themselves adopting the views of secular thinkers and campaigners, usually left-of-centre in their bias. Yet prior to the seventeenth century Christians had their own distinct economic outlook, arising from the Bible: that usury is the fundamental cause of economic crises and injustices, and that its prohibition, or at least reduction, is the only means to sustainable prosperity for all. Islam, which continues to prohibit usury, adopted its antipathy from Christianity.

Sadly, owing in part to a misunderstanding of the nature of usury by the great reformer John Calvin, amongst others, the Christian churches lifted their prohibition; and many devout Christians became ardent usurers, accumulating great fortunes in the process. However, usury lies at the heart not only of the current economic and financial crisis, but also of two other much deeper and longer-term crises: the degradation of our natural environment, with the acute danger of disastrous climate change; and our failure to devote sufficient resources to social welfare, especially education and healthcare.

Usury is often defined as the charging of interest on loans; and it is this that the Bible specifically outlaws. Scholars in medieval times reflected on what was wrong with charging interest, and they concluded that it was the unequal sharing of risk; indeed, the Fifth Lateran Council in 1512 adopted this as its definition. We may seek to eliminate risk by quantifying it and then spreading it, such as through insurance.

But, as the medieval writers understood clearly, this assumes that the past is a reliable guide to the future, which it is not. It also assumes that there are no hidden factors linking apparently disparate risks – the problem of ‘systemic risk’, in modern jargon. In fact, to our Christian forbears human efforts to quantify and spread risk would have seemed like idolatry, since God alone can know the future.

The medieval scholars thus argued that usury is intrinsically unjust. It is obvious that a transaction is unjust when one party benefits far more than others, such as when the seller exploits monopoly power. Similarly it is unjust when one party carries far more risk than others – although, since risks may be ‘upside’ as well as ‘downside’, it is impossible to know in advance who will win or lose.

There are three main forms of usury in modern society, which are the causes respectively of our economic recession, the chronic under-funding of welfare services, and the long-term ecological crisis.

Modern banking is founded on usury in the primary sense of charging interest: banks take deposits from the public, and then lend that money at interest to individuals and businesses. In normal times the borrowers carry the risk, since, regardless of changes in their financial circumstances, they must still pay the interest and repay the loan itself. At the same time the banks promise depositors – who in effect are lenders – that they can withdraw their loans on demand; and this has enabled bank deposits to become the main form of money.

But in abnormal times – such as occurred in 2008 – when large numbers of borrowers start to default, the banks are unable to honour their promise to depositors, thereby threatening the entire economic system. Governments thus have no choice but to guarantee the deposits with taxpayers’ money – so the risk is transferred in its entirety to the public. The implicit knowledge of this taxpayers’ guarantee has encouraged banks to lend recklessly at high interest, enabling bankers to pay themselves large bonuses.

The usurious nature of banking has, however, had a much deeper and more damaging effect on the global economy than provoking a brief financial meltdown. By provided a safe place for people to keep their money, banking encourages very high levels of saving, especially in Asia. During the long boom prior to 2008 people in the West were willing to borrow those savings to fuel a housing bubble and excess consumption. But now Asian savings remain very high, while western savings return to normal levels.

As a result there is chronic lack of demand in the global economy. Governments are currently disguising this by huge levels of public borrowing and spending. But this cannot continue; and sooner or later the global economy will find itself mired in a chronic recession, with high levels of unemployment – just as the great economist Keynes predicted.

The second main form of usury is taxation. Most western governments now take over 40% of people’s income in various forms of taxation. But a major effect of high taxation is to skew the risks taken by those starting and expanding businesses, on whom our prosperity ultimately depends. If a small business fails, as many do, the entrepreneurs bear all the losses; but if it succeeds, the state takes a large share of the profits. This inevitably discourages new business, especially those engaged in developing new technologies where the risks are highest.

This, however, is only half the problem. Most of our taxes are spent on healthcare, education and social security. And these are areas where the costs tend to rise, and where demand increases; indeed, even now we are undoubtedly spending too little. Yet if we to raise taxes even higher to pay for expansion, the damage to our economy would be so great that tax revenues would actually fall. So we are caught in a trap: we need and want better social welfare; but while it is financed through usury – in the form of taxes – we cannot have it. In fact, if we had some other means of meeting our demand for social welfare, we would eliminate unemployment at a stroke.

The final and worst form of usury is pollution. Through our emissions of greenhouse gases and other pollutants, we are imposing incalculable risks on future generations. Even those inclined to disbelieve predictions of climate change must agree that rapid rises in temperatures are a possibility – and that the consequences to our descendants could be appalling.

Just as usury is the common cause of these profound crises, so we can only resolve them by tackling them together. In the first place we must take the provision of social welfare out of the hands of government, and create social trusts of various kinds to which we contribute directly. Just as historically the extended family acted as the means by which the able-bodied looked after the young, sick and elderly, so we must each be required to subscribe to entities that finance education and healthcare. Such trusts could compete with one another to provide the best service, with the government having inspectors to ensure minimum standards.

Taxation should be confined to subsidising the subscriptions of the poor. By this means we would find ourselves choosing to spend far more on social welfare, with far higher standards, and less on material goods.

Once people are confident of good social welfare, they will have no need to save without risk through banks. So we can divide the banks into two, eliminating financial usury. There should be deposit banks that purely protect and administer our money, charging a fee for their services. And there should be capital banks providing capital for businesses, mortgages and so on, where we invest our money at risk, receiving income from what the banks earn. Taxpayers would thus no longer have to underwrite the banking system.

This in turn would at last embolden us to tackle pollution. It is now three decades since we became aware of the dangers of climate change; yet investment in the development of clean energy technologies has been meagre, and the results pitiful. The reason is such development projects are highly risky, so banks typically refuse to fund them. But if the only means of accumulating wealth were to invest at risk, funds would become plentiful. Governments could then announce that in, say, 15 years’ time greenhouse gas emission would be illegal. This would hugely increase the potential returns on clean energy technology, multiplying the funds invested. Just as a similar policy eliminated CFCs within a few years, this policy alone can accelerate the changes necessary to save our planet. And if a single major country, such as Britain, pioneered it, the result would be an economic boom that would induce other countries to follow.

Christians hold in their Bible the key to all humanity enjoying a prosperous, just and secure future. Are they willing to take that key, and invite the rest of the world to help them turn it?

This article is originally published at this website:
http://against-usury.com/article/files/AG_article.pdf

NOTE: In the 7th paragraph the author writes: " ... banks take deposits from the public, and then lend that money at interest to individuals and businesses." My research indicates that banks do NOT lend out depositors' funds. Instead, banks create brand new money for every debtor that requests a loan or mortgage. The debtors signs a promissory note and the banker issues the principal BUT the banker never issues the "Interest" or "usury" portion of any loan or mortgage.

Sixth Annual UsuryFree Week


Here is a brief backgrounder about the forthcoming “Sixth Annual UsuryFree Day/Week. For more background information visit this blog - The UsuryFree Eye Opener: http://usuryfree.blogspot.com and UsuryFree Living http://www.usuryfreeliving.net and these social networking groups for UsuryFree Creatives: http://usuryfreecreatives.ning.com &
http://www.facebook.com/group.php?gid=2244408643&ref=ts

There is also more relevant background information posted at the UsuryFree Network:
http://www.cyberclass.net/usuryfree.htm

UsuryFree Day is expected to become even more popular than Earth Day as people learn the 'truth' about the problems associated with usury and the solutions as offered by usuryfree creatives. Did you know that Earth Day has become one of the most popular global celebration to date, with an estimated one billion people participating in the activities in thousands of places all over planet earth.

By the way, the first Earth Day was on April 22nd, 1970. The first UsuryFree Day was on November 13th, 2005. When will there be one billion+ usuryfree creatives celebrating UsuryFree Day? Let's make it happen at an even faster pace!!

UsuryFree Day is celebrated each year on November 13th. The week from November 13th to 19th is designated as UsuryFree Week. The focus on UsuryFree Day and Week is (a) on the problems attributed to the design flaw of usury as the killer machine that keeps debtors in financial slavery, generation after generation and (b) the optimal solution as offered by the usuryfree community currency movement.

Indeed, usuryfree creatives are re-educating themselves and others about the evils of usury on our orthodox, economic system of debt money and about the power and potential of we-the-people learning how to create and spend our own usuryfree community currency.

There is now much evidence that our orthodox economy of usury-based, debt money is crumbling before our eyes. During UsuryFree Week (and during the other 51 weeks of each year) usuryfree creatives are inviting people everywhere to re-educate themselves on the 'truth' about money.

As we make plans to celebrate the Sixth Annual UsuryFree Day & Week from November 13th to 19th, 2010, we are inviting people everywhere to organize local events during that week. Our kick-off event is scheduled to take place in Kitchener, Ontario, Canada on Saturday, November 13th, 2010. Watch for follow up details of this event and other events during this Sixth Annual UsuryFree Week.

Guest speakers are commonly invited to talk about (a) the problem - how usury is the direct and/or indirect cause of wars, violence, poverty, scarcity and lack and how usuryfree living is possible for everyone on this planet as we progress into this 21st Century and (b) the solution - how usuryfree creatives are learning how to create and spend their own usuryfree community currency as a complement with their diminishing amounts of usury-based, debt money - otherwise referred to as “federal cash.”

These usuryfree community currencies are commonly referred to as the 'economic lifeboats' that we will need to rely upon when their usury-based Titanic goes down. Let's make this Sixth Annual UsuryFree Day & Week widely known through the process of viral marketing by 'word of mouth' and by 'word of mouse.'


Plan an event for your local community and invite those who are ready and willing to be re-educated about modern money creation. Please forward details of your events to: tom@cyberclass.net with “Sixth Annual UsuryFree Week” in the Subject line.

The Usury Creature


Our standard of living is being lowered. It is part of the plan. A strong nation is not a candidate to surrender its sovereignty, but a weak nation is.

If Canada, like the USA can be brought to their knees, if there can be despair and riots in her streets, then perhaps she will willingly accept a UN peacekeeping force, the blue helmets or a devious and secretive plan to rescue the economy with an international monetary unit, that has perceived, purchasing power for a short time. This is how it is being played out.

The name of the game is not wealth - it is raw power and global control of the debtors who are forever enslaved financially by their creditors - the usury bankers. So what are we-the-people - the majority of whom are debtors - going to do about this?

It is obvious that we have to slay the usury creature. We cannot allow this usury creature to continue. Usury must be abolished forever! Wouldn’t it be nice if we could implement the optimal solution of usuryfree living tomorrow?

How are we going to do this? The optimal place to do this is within Parliament here in Canada whereas it should be in Congress in the United States of America. Parliament has the power to abolish usury and create usuryfree money for we-the-people of Canada.

We must build a fire under the current politicians or elect new politicians who are truly emplpoyed by we-the-people. It looks like we may have to elect some new faces in Parliament at future elections. In the meantime, we can keep re-educating our current politicians and inviting them to take action NOW!

It does not matter from which political party, the titles are not important. It is the principles that our already elected or newly elected politicians believe in that is of utmost importance.

Obviously, we need an informed electorate within the Court of Public Review and our employees, the elected politicians must know that we have re-educated ourselves and that we know the “truth” about modern, money creation.

The people and the politicians must know the “truth” about economic issues, so re-education is a necessity and it is not happening within the walls of formal education BUT it is happening here in cyberspace.

Neither voters, nor politicians will know what we are talking about unless they follow a self-imposed course of study to fully understand how the shortage of money is directly and/or indirectly caused by the usury creature.

Indeed, we need an educational army and it is time to enlist. As Patrick Henry is reported to have said: “Our brethern are already in the field, why stand we here idle?”

The bad news, the really bad news is that time is running out. I remember back in the early 1980’s when I would talk about the design flaw of usury and how it is the killer machine that keep debtors financially enslaved for generation after generation, people would look at me and say: “You’ve got to be kidding. Interest on money is an essential component of our debt money system.” My estimate is that less than one percent of the people have even heard the word “usury.”

Now, thirty years later, in 2010, when I talk about the usury ceature, they lean forward and ask: “How much time do we have left?” It is visible all around us now. The global bankers and their New World Order politicians are ushering their New World Order by preparing us for a usury-based, digital world monetary unit, a World Court of Justice, A World Taxing Authority, a World Army, etc.

Even as you read this document, the majority of the military from the various countries of the western world are serving under foreign officers with a mandate from the United Nations. Time is running out fast. Whatever, you plan to do for your country, for your freedom, do it now.

Just remember that the really good news is that we still can do it. We still have time. We still enjoy some elements of freedom. So, rather than focusing on the negativity and constantly complaining about how bad things are, or how late the hour is, let us rejoice over the fact that we can still meet, we still have elections and we can talk openly and write letters to politicians and the media to expose the usury creature for the evil and immoral animal that it is.

All we have to do is go out and work like our very lives depend upon it - because they do. And I think a good place to begin is to read the email below from Wally Dove titled “This may be the most important e-mail you will ever receive.”

Then send an email to Wally (see Wally Dove's email address in the email below). Tell Wally that you got the referral from Tommy UsuryFree Kennedy aka "Tom J. Kennedy" and ask him to forward the series of documents that were attached to his original email that he sent on September 28th, 2010.

Then, if you live in Canada, forward your own email to the federal politicians and invite your friends to do likewise. If you live in another country, you are invited to take a leadership role and prepare a similar letter as a template that offers a similar solution as Wally Dove has suggested for Canada and share it with others in cyberspace. Let’s make this idea go viral!

I suggest that this be a priority item to be discussed at workshops and seminars and kitchen meetings - anywhere in the world - during the forthcoming Sixth Annual UsuryFree Week scheduled from November 13th to 19th, 2010.

Comments, ideas and feedback welcomed.

Enjoy this day!
Tom J. Kennedy aka “Tommy UsuryFree Kennedy”
http://usuryfree.blogspot.com
http://www.cyberclass.net
http://www.cyberclass.net/usuryfree.htm
http://usuryfreecreatives.ning.com
http://www.usuryfreeliving.net

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From: Wally Dove wdove@interlinks.net
To: tom@cyberclass.net
Sent: Tue, September 28, 2010 2:14:23 PM
Subject: This may be the most important e-mail you will ever receive
 
Hi Folks,
 
The reason this may be the most important e-mail  you ever receive is because it provides you an opportunity to participate in saving your nation and securing a bright and prosperous future for you and your  family.
 
The federal Minister of Justice, James Flaherty, has asked the people of this nation to provide suggestions for improving the financial system of Canada [see attachment from the Toronto  SUN].
 
As you may know, the financial (monetary) system is the foundation for the entire economy and if the financial system is not  working, or not working for you but instead is working for the bankers, then neither is the economy, and we are all, each and every one of us, affected by the economy.  As the economy goes, so goes our health and  welfare.
 
Also attached is the mail that we have sent to the  Minister to serve as a guide for your input.
 
Also attached is a Word document containing a list  of e-mail address fro all MP's in Canada. Just cut and past into your e-mail program.

Also attached is a sample e-mail sent to all MPs.
 
Finally, we have attached a Treatise that may assist those of you who do not understand the system, to hopefully, attain a cursory understanding of it.
 
Please remember, the solution that we are providing is based on the observations of the members of the House of Commons Standing  Committee on Banking and Commerce of 1939 and, although we have been recommending such a solution for years, we simply quote the Committee in this instance which will prevent anyone from dismissing our suggestions as the ramblings of uneducated troublemakers.
 
Please seriously consider writing to the Minister, with what we consider, the only solution to the present floundering financial system, interest and debt free currency issued by the government and not the present system of interest added, debt currency. 

Currently the bankers are benefiting from  our credit, whereas, we should be benefiting from our credit.
 
Please pass this on to everyone on your e-mail lists and let's try to have at least a million people make the  same suggestion to the Minister of Finance and the government will then realize  that the people are awake and know what is going on.
 
If you wish to read the Minutes of the Standing  Committee on Banking and
Commerce here is the link:
http://www.scribd.com/doc/9525141/Standing-Committee-on-Banking-and-Commerce-1939-p248315-May-3-1939-CANADA
 
I personally was unable to open this link and I asked my Internet provider why and after a some attempts to open it themselves, they told me that it looks like the document at that site is censored. I hope you can open it but if not, we hope to be able to send you the Minutes in due course because we have a copy and intend to scan it in PDF  format.
 
Another good link to aid you in your studies if necessary, is
http://www.michaeljournal.org/appenE.htm
 
May the Divine guide you in your  deliberations.
Love & Peace of  I,
Wally Dove