Wednesday, July 28, 2010


I think we need to outlaw the taking of interest before we can even hope for economic recovery. Barring that simple step, world-wide bankruptcy is a mathematical certainty. The future looks to me to be a painful reset followed by further boom and bust cycles due to our own greed.

When a loan is created out of thin air, the money does not exist until the ink dries on a loan contract. Such money has not been earned by anyone, yet. It cannot exist until the borrower proves it can be repaid. Money, therefore, is created by debt authorized by credit that will be made good through work.

You might say, “Money is sweat.” I think bankers should be damned glad other people do all the real work for their pay! Bankers live on the sweat of those not born into wealth.

Unearned taking is usury. Usury is cheating. Nobody likes a cheater.

Tuesday, July 20, 2010

Arguing Against Stability

Even if you have read and understood everything at, you might think twice about handing out cheap credit to anyone with cash flow. Imagine the scams that people would come up with! Imagine a situation where bad loans are made... That would never happen now!

Even if all of the money loaned interest free was consumed in one giant orgy of unnatural spending – one big party for everybody – it would still better than what we have today. At least we won't owe interest on money someone else drank up. The bankers, drunk with power, gambled and lost trillions (to each other.) Theirs is truly a hard act to follow. Their debacle is so staggering it beggars belief.

Once interest is outlawed and MPE(tm) implemented, future budgets can be forecast with great accuracy. How much will a ton of steel cost in ten years? Under the Federal Reserve, who knows? You can safely bet it will cost more, perhaps double or more what it costs today. Wouldn't it be nice to know that inflation does not exist? Perhaps the price of steel will be double in ten years, but it would only be likely if there were a lot of steel projects underway. Under MPE(tm) you can expect massive fair market activity so market shortages are bound to occur until society ramps up production to meet massive demand. Once there is no shortage of money, there will be no shortage of jobs (that pay.)

A perfect economy is only the beginning of the benefits of usury free living. With full employment (there will be more jobs than workers,) poverty will eventually disappear from America. There will be no renters since everyone will be able to afford a home.

By printing and distributing our own debt money without interest, the US will shake off the monetary yoke that now guides our foreign policy. Our county will be able to act in the best interests of its citizens instead of following the banker's playbook.

Realizing they no longer must kowtow to money, perhaps even the politicians will become less corrupt.

Not everything will be fixed by eliminating interest, and some things will take time to work out. On the whole, MPE(tm) would be a great improvement over the present situation.

Monday, July 19, 2010

Religion and Usury

I'd like to address the religious aspects of outlawing usury before tackling the real issue. This is background stuff, don't go calling me anti-Semite or un-American. If I happen to draw attention to something that irks you, well, so what? Am I really going to change your faith?

As you probably know, Islam forbids usury. The Muslims have worked out a sophisticated banking system that does not directly charge interest, but as I've repeatedly reminded people, usury is much more than simple interest. The Muslim bankers still collect obscene “profits.”

The Catholics forbade usury for hundreds of years. They looked the other way though when Catholics dealt with moneylenders of other religious persuasions. Strange that every one of the three big religions once had a very low opinion of lending money at interest. Remember, this was in times before fractional banking -- they prohibited taking interest on "hard" money.

The bottom line is, for whatever reason, the major religions all once agreed that cheating people is not a good idea – to some extent, they still do. The mainstream view today, however, is that charging interest on a loan isn't really cheating. I wonder if God has switched to the mainstream view?

Anyway, I'll bet that usury is still a bit of a sore subject for most religious believers. Maybe they think it's wrong, somehow, but everyone does it anyway. Asking for interest is just a little sin, at worst, isn't it?

I can't speak for most religions, but I was nearly successfully brainwashed by the Southern Baptists. I learned that after Armageddon, a giant Jesus on a white horse and carrying a flaming sword, would descend from the clouds and bring us all peace at last.

The Southern Baptists taught me a lot of strange things, but the strangest was that to correctly interpret the word of God, you have to be a “believer.” They talk a lot about Jesus, but I think they missed His point completely.

According to my Sunday School teachers, Jesus was sent on a mission from God as a the final required blood sacrifice to save us from our sins. This should have come as good news for sheep. But if dying for our sins was all Jesus came for, He could have easily done so without drawing so much attention to Himself. You might argue that Jesus had to be famous or no one would hear of Him, but hearing of Him wasn't required if His only mission here were to die.

The Baptists tried to confuse me with stories out of the Old Testament (before Jesus) but I didn't buy any of it once they let slip that Jesus' real message, the point of His entire life, was to illustrate the effectiveness of the Golden Rule. He who has the gold rules. No, wait, it was “Do unto others as you would have them do unto you.” Play fair. That's all He really said, and for that He was crucified.

Some people will argue that Jesus said more like,”Play fair 'cause God said so,” but whatever.

Anyway, my point is that there is a compelling religious argument against usury. If someone joins the movement to end usury for religious reasons, I would welcome them. Religious belief alone is not sufficient reason to ban anything is it? Let's ban usury out of good common sense.

Usury is cheating. There is a whole lot of cheating going on today. Most cheating has been so institutionalized that it is not only legal, but morally acceptable to most people. Poor people have become so accustomed to being cheated, that they just shrug and say the world isn't fair. What can you do, after all, when everybody is cheating you from every direction? Is it surprising that some people decide to cheat right back? As a former Marine, I know what payback is.

So, the religious connotation to calling for zero interest rates for all people is palpable. The topic is unavoidable so it must be discussed. The major religions have systematically fallen to the delight of usury. It's human nature to want to get one over on the other guy, isn't it? A predatory attitude is a profitable perspective, it's just good business. A little corruption erodes at integrity until there is a gaping hole in the middle of our economy. Thirty percent interest rates used to land people in prison.

My call for zero interest rates for all isn't based on any religious beliefs I may or may not have, but simply an acknowledgment that charging interest is the root cause of inflation and inflation is bad. Mathematically Perfected Economy(TM) requires zero interest to work. MPE(TM) is an important concept in a truly free society. I do wish they'd drop the TM, though...

We must free our money from the grasp of those who would control us through finance. Money measures wealth, and true wealth comes from work. American money should be created by Americans, for Americans to use in their pursuit of life, liberty and happiness. The way money is currently doled out by foreigners (the City) means Americans perform services that mostly benefits the status quo.

The way things are, money only appears where “they” want it to appear. For example, despite our current depression, I understand the military is still hiring. Government contracts out work, and sometimes that is the most efficient way to use the funds. Sometimes, government work actually improves our lives. Money well spent – almost makes up for the other 99% of money being wasted.

Our banking system makes a boatload of money for the bankers and generates a lot of cash flow for politicians. The debt has built up for years and now we're having trouble keeping up the payments. You can go into the technical details, but rest assured once you penetrate the purposeful obfuscation your gut feeling will be that you're being “used.” The bankers use the government to enforce usury. It's not fair, but that's the way it is. Isn't it time we square things up? Who should control American money?

Everybody understands something evil is running the world, and I've just explained who is doing the running of said world. The banker's power come from usury – it is how they fund the entire, corrupt system. Outlawing usury would end many of our world's problems.

I believe that a man has an inalienable right to the profit of his own work. Whatever you can accumulate in wealth without infringing upon others rights is OK, by me. I see nothing wrong with a world where some people are rich and others poor(er.) We may have equal rights, but we have different abilities and should be rewarded for extra effort. A working man is as entitled to his profit just the same as anyone else, including bankers.

I said earlier that money is work. I'm sure a lot of people pointed and cried,”Money is debt! I saw it on YouTube!” Now, what is debt? How did you create the debt? What are you going to have to do to fulfill your debt? A few of you have enough money not to work to pay your debts, but that money will cause someone else to work somehow, it always does. Money is work. Money directs work.

Viewing money as work explains why all those rich people keep trying to get richer despite having more money than they could ever spend. Control the productive output of society and you control where society is headed. Hire more police, fund more lawyers or research face-recognition software.

Realistically, I don't expect to convince very many people to demand zero interest loans just like those given to Ben Bernanke (except, of course, limited by real credit and collateral. Ben's just stealing.) But I'd like to plant a seed of thought that might germinate in the heat of financial conflagration.

Even the most ardent usurer must today agree that the system we live under is near collapse, the signs are there for all to see. There is a lot of work that needs to be done, but no money to pay for it. Roads and bridges and sewer systems are less important than the banker's bottomless pockets.

Something is about to change, I can feel it and I don't think it's going to be pretty. I think it is my duty to point out that “usury kills” so that it is clear what to expect from usurers (including governments.) Once the smoke clears, instead of a reset of debt followed by more usury, maybe we can finally break free of this cycle of madness. A handful of thoughtful laws that really stop cheaters would be infinitely preferable to the legal labyrinth that today enables a small group of people to use everyone else.

Don't stop using people because God forbade usury, just start legalizing fairness. The world needn't be unfair. Civil people shouldn't tolerate usury. Let's start by outlawing interest payments and work our way toward enlarging fine print.

One last point here, seemingly completely unrelated, is the controversy over abortion. Abortion is a wedge issue used to divide people on other issues. Nobody likes abortion. Maybe it should be illegal, but then what to do with all those orphans? Let's work this one out after we fix our money. One of the biggest arguments in favor of abortion is that children are expensive, after all. MPE(tm) will make everything more affordable, including children. With real money, life in general will become more pleasurable, so why not invite others to enjoy it?

In closing, let me say clearly that I am not a Jesus Freak. I would like to believe in God, but I don't.

I like the Golden Rule, whoever invented it. It's pretty simple: No one likes being ripped off.

Sunday, July 18, 2010


Did anybody else notice that when the banks went broke, the
bankers didn't? The guys that ran the banks were all rich. Only
their banks were broke. Poor little broken banks.

If the banks fail, the whole system fails. There would be
chaos, madness, blood in the streets! Cable bills would go
unpaid -- the internet would stop working! Now I've got you.

So we paid trillions of dollars to avoid martial law by bailing
out the banks. It was worth it.

We saved jobs. Banking jobs. High paying jobs.

What's a banker's job, anyway? Making money? Is that too
general? We all make money, right? Banks don't make money, they
print it. They print it up, loan it out and get rich off of all
that interest. They can do that. How do you go broke doing
that? I mean, it's counterfeiting if you try it folks.

It's worse than counterfeiting. They're printing money and
charging interest, too. And if you can't pay them back, they
take your fucking house. No shit. Nice work if you can get it.

Everybody complains about bankers but no one ever becomes one
by accident. An education in economics is recommended, at least
for appearances. The biggest bankers are groomed for the job as
children -- if they don't pan out, they can always enter

Anyway, just so you know, the bailout wasn't big enough. The
bankers seriously misunderestimated how much they actually owe
each another. Things are worse than ever but another trillion
or two should keep the chaos down to a small roar.

Tuesday, July 6, 2010

My Letter to

Everybody owes everyone everything. World-wide debt is destroying all we know.
I believe there is an answer, but it means thinking outside the box. We have to realize that money is not what we have been taught money is. Money isn't something "they" have and "we" must borrow. Money isn't even "debt" as so many have finally "learned."
Money, really, is the manifestation of credit. Think...
All we hear, is there isn't enough money. There's no money for anything EXCEPT interest payments.
Go to and start reading. Money is infinite, as long as there is credit. As long as the circulation is equal to remaining debt, everything is in balance with no inflation or deflation.
Mike Montagne's concept of Mathematically Perfected Economy(tm) will solve 90% of the world's economic problems, I believe. Unfortunately, it has been ignored for over 30 years despite the fact that Mike has sent a package explaining it to every single President from Reagan (and most candidates.)
The argument against the idea is mostly rooted in the fact that people have been taught that interest on investment is the way to "business."
Money is like a ruler or a scale, it measures wealth but holds no wealth itself except by fiat. Paper money is no more intrinsically valuable than seashells or notches on a stick.
MPE(tm) is the only proven solution to inflation. Our most basic problem is simply cheating. The key to MPE(tm) is the elimination of interest. Interest is usury. Usury is defined as excessive interest, today, but was archaically defined as ANY interest. Honestly, usury is any unearned taking or CHEATING.
The last guy that asked we stop cheating was reportedly crucified. Big future for me, eh?
I am not a Muslim. I am not a Christian. I am not a tree-hugging, liberal communist. I am just sick of being used.
I, for one, will trade 1% interest on savings to eliminate 30% interest on credit cards (and buying two houses to live in one.)
Please study Mike's site and give it your best evaluation. There are several groups encouraging we end the FED, but most only compromise on interest rates while missing the point that the people's credit belongs to the people themselves. Why have someone rent us what we already own?

End the Coup of 1913...
Peace and Prosperity,
Steven G. Berry
olrailbird (watching the races from the rail.)

Thursday, July 1, 2010

What Is Usury?

Most dictionaries define usury as the charging of exorbitant interest rates. A second definition, deemed archaic, is the charging of any interest rate. I think there should be a new definition: usury is cheating.

Usury isn't just about money – it is any unearned taking. Usury is unfairness.

Nobody likes to be cheated, but we all are cheated every day and write off the experience as just the way the world works. Life is unfair. You can't fight city hall. Buyer beware. Tough cookies.

Why is there fine print in a contract? What about those quick disclaimers and voice unders?

If the United States projects military power to protect “our way of life,” is that usury? Don't ask me, ask the people of the countries we occupy.

Usury is any unfair dealing. If you think that contract you just signed was more favorable to the other party, then you just got “used.” Did you enjoy being used? Is usury the American way? Should we really be proud of this?

The average person is nearly used up. Governments and big corporations are expert at unearned taking.

Yes, usury is cheating – it is violation of the Golden Rule.

At its mildest, usury is an affront to civilization. At its worst, usury kills.