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Why We Are Alwavs Broke
by William J Crumley CSC



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Why is it I seem to be broke? Why are so many persons are losing their home? their cars? We hear frequently the Gross National Product is rising - yet I am broke! Who is at fault? Politicians? Do I simply spend too money? NONE of these answers seem right! Maybe I am looking in the wrong way. May be need to start by asking WHAT IS MONEY? WHERE DOES IT COME FROM? Money is just a piece of paper. What makes it valuable? How is it created? Who creates it? Money is just a piece of paper. Whether it be a bill or a note which says I have so much money in my account . Or a piece of paper which tells me how much money I owe. Several years ago my paper money said "Silver Certificate" That means this bill I spend is backed by a certain amount of a precious substance. Today money says "Federal Reserve Note". With a 20 trillion dollar debt the result is $45,000 for each person. Why can't I just walk into a central bank and say "give me my $45.000"? WELL! the note does not tell me how much money the bank owes me BUT how much I owe the bank. Every dollar I receive is a dollar I OWE to the Federal Reserve Bank. This my sound strange but every dollar I receive is a note which certifies how much I owe to the Federal Reserve. A friend bought a home. It has REAL value. He received a piece of paper (no value) which said he owes X number of dollars to the bank. If my friend does "pay" his note the bank will take his home. No new money has been created - except the amount my friend used to pay off his NOTE. Even this is simply trading one NOTE for another NOTE. What happens to the "money" my friend spent? The bank will take this useless piece of paper (THE NOTE) to another bank. This NOTE can be "sold" several times. No money has been created. The "money" has simply been passed from one bank account to another. In the process my friend lost his home. This process of changing notes between individuals has been expanded. Nations pass their notes with one another. This exchange has led to WAR. An international bank, The Bank for International Settlements was set up after World War 1 to help oversee the process of German repayment aster World War 1. The USA to whom the debt was owed put up the money to pay of the debt, TALK ABOUT VOODOO ECON0MICS!!! This bank still exists. It does on an international level what USA banks do to my friend (and others on a local level. If these ideas interest you can find out more by reading WHY WE ARE ALWAYS BROKE. The book is available from CreatSpace,com Look for Books and William Crumley or book and Why We Are Always Broke (un)HAPPY READING! William Crumley (uthor)







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