Friday, February 21, 2014

Canada's Crisis (part 2) –C.M.H.C and the outdated “Must Own A Property to Be Successful” Mindset

“Contrary to popular belief C.M.H.C does not insure home buyers, but lenders. With this new cap in place, mortgage financing will be somewhat tougher.  My partners and I just made a bunch of money as this new policy will make mortgage qualification more difficult for would-be home buyers, thus create more renters, longer.  Land lords rejoice as rents go up and rental property values!  Did you financial "advisor" tell you lately that you, too, should own some rental properties?”

“C.M.H.C is not a lender. It is primarily an insurance firm for banks”.

“The C.M.H.C is a government sponsored profit machine for the big banks.  The homeowner pays the C.M.H.C premium, the taxpayers take on the risks, and the banks take on the profits. What could possibly go wrong with this?”

“Approved mortgage lenders are happy to provide high loan to value ratio guaranteed mortgages. Other than the 30%-40% payment servicing rules and that the borrower has reasonable job security, they can continue to lend maximum amounts comfortably with minimum risk and make lots of money. However, C.M.H.C if they wanted to, can pull back by ordering the lenders to require an upfront equity of 25% on the appraised value, and then the C.M.H.C insurance and related fees could probably be dispensed off or reduced to only 50% of the value). It would then become increasingly difficult to securitize such mortgages. Last but not least, the C.M.H.C. is ultimately funded by the Canadian Tax payer”.
“The perfect storm of:
1) lower tax base
2) higher retirement
3) higher debt
4) excess market speculation globally
5) higher real inflation
6) C.M.H.C insurance exposure on tax payers
7) higher interests looming - makes home ownership less and less attractive.
For those of you who have done well on a binge of speculation we salute you but please don't drag down the younger folks who will be destroyed by this folly. Mark Carney warned before leaving for his final venture
"people can get sucked into a balance sheet analysis that says 'I'm very wealthy because my assets are worth more than my debts,' but they are 'illiquid' and they can't service their debts because they lose their jobs or interest rates go up or both".  Re- investments have served us well in the past but the economic climate has drastically changed. The accumulated wealth from 1980’s, where debt to income ratio was 66% (now at 150%), is not being directed back into the hands of consumers. That is now obvious. This spread demands a re-assessment of future plans”
“The problem is not that there are too many home buyers but these home buyers put all their money and life savings into a home or more than one property. This makes debt even at 3.39% enemy number one. We all know that 3.39% is not a long-term sustainable fixed mortgage rate. It is more like 4.89%, 5.39% or 6.39%.  Many people do not factor in all the electricity, water, gas, insurance, repair, maintenance, property taxes, condominium fees etc. to own a home or condominium. The rate of increase year after year catches the majority of people by surprise over decades.  Electricity, water, and gas will easily triple in 20 years.  Property taxes will double in 15 years.  Condominium fees will triple in 20 years.  These are averages so it can be worse than this”.

"Unfortunately all those Toronto high rise condos being built have their construction financing guaranteed by taxpayers through C.M.H.C, and when the Chinese buyers walk away from their deposits as prices fall to economic values for rental properties, we will be left with huge, huge losses"

 “If you want the banks to take on all the risk, then the home buyer has to put 20% down as a down payment when purchasing a home. A $300,000 home requires $60,000 cash down plus closing costs. I do not know too many first time buyers that have that much money. The government comes along years ago and introduces C.M.H.C as the risk insurer. Banks are not allowed to take on riskier loans with less than 20% down.  This spurs the home buyers market, the builders, renovations, real estate, employs millions of people, etc. Helps the economy and people get to own homes instead of renting”.

"New home sales are at the lowest level since the 1992 recession. Prices will start to decline soon enough. Mortgage rates have risen by 3/4% in the past month. Things will get much worse, especially once 50,000 condos are delivered this year”


"Toronto has had an 18 year run of prices rising well above incomes so what do people expect?  Toronto condo sales suffer 46-per-cent drop in June. Just wait till mortgage rates increase and you will see many file for personal bankruptcy.  This problem has a double sword effect. When mortgage rates increase and they will, house prices will also drop in value. For example, a house now selling at $400,000 with a 3% mortgage rate will more than likely fall in value to around $350,000 when rates increase to 6%. This means that those trying to get out of the market when rates increase will also take a loss on their sale.  Imagine you bought this $400,000 house at 3% mortgage rate - now the mortgage rate goes up to 6% - your interest payments have gone from $12,000 annually to $24,000 annually. You can't afford it so you try to sell - now your house only sells for $350,000 due to the higher mortgage rates and your real estate agent charges you a 5% commission to sell this house or $17,500.  The bottom line is that you will take a bath and lose at least $67,500 on your initial purchase of only $400,000 - imagine the losses of someone who bought at $500,000, $600,000 etc.  You know who wins - right - always the Real Estate Agents".

"In the bankruptcy, secured creditors (wealthy bondholders with special rights bonds) are protected.  The people who will lose everything are the people who worked an hourly wage, (ex: grandma who invested in unsecured bonds, etc.).  It's never the wealthy".

Canada's Crisis (part 1) –The Housing Bubble

The Canadian Housing Bubble
http://stocks.investopedia.com/stock-analysis/2010/Short-The-Canadian-Housing-Bubble-FRE-FNM0511.aspx                                                                 
"C.M.H.C:  Fannie and Freddie's Canadian Cousin -For example, while it is technically true that Canada does not have its own publicly-traded GSEs such as Fannie Mae (NYSE: FNM) and Freddie Mac (NYSE: FRE) to artificially inflate its housing market, it has the next best thing. The Canadian Mortgage and Housing Corporation (C.M.H.C) is Canada's national housing agency used to provide mortgage insurance, which is fully integrated by the federal government".


Is a Canadian housing bubble poised to burst?
http://www.cbc.ca/money/moneytalks/2010/08/michael-hlinka-is-a-canadian-housing-bubble-poised-to-burst.html
"In America, even in the bubble years, the price/income relationship never rose by more that 11 per cent. That same I.M.F study concluded that Canadian house prices were 60 per cent above their historical average.  It gets even worse. He flat out says that the median Canadian house - which is the price at which exactly half are cheaper and half are more expensive - is "certifiably unaffordable." A typical house eats up just more than 40 per cent of income. In Vancouver, it's more like 73 per cent.  He quotes our own Bank of Canada: "The household debt-to-income ratio has remained on an upward trend ... as debt accumulation continues to outpace the growth in disposable income".  But households aren't the only entity overextended. CMHC, which insures these mortgages, has about $9 billion in equity, while it guarantees - get this - $770 billion in mortgages.  That's more leverage that we saw from any U.S. bank or lending institution, by the way".


Canada's Housing Bubble: It’s Not Different This Time
http://network.nationalpost.com/NP/blogs/fpmagazinedaily/archive/2010/04/15/canada-s-housing-bubble-the-greater-fool-theory-at-work.aspx
In Canada, a significant amount of fiscal and monetary resources were committed to ensuring that the real estate market was stabilized. This helped to encourage Canadians to take on record amounts of debt and take advantage of the brief pull back in real estate prices. However, nobody seems to be asking the question “What happens if interest rates go back to normal levels?” .  We are finding out that answer now as we have seen mortgage rates rise more than once within the last month alone.
"3 possibilities now exist – (1) possibility of a market correction through housing price deflation, (2) the possibility of a deeper and longer housing crash, and (3) the possibility of a rapid and steep decline".

Report warns of housing bubble threat
http://www.theglobeandmail.com/report-on-business/economy/report-warns-of-housing-bubble-threat/article1548082/
"Canadian consumer debt has risen steadily for several years, reaching new highs as measured by debt as a percentage of disposable income,” they said. “Thus, consumers don’t appear to have the flexibility they might have had in the past"...‘The increasing likelihood of a cooling housing market still poses some risks for investors who are not well-diversified’ 


Why Canada's housing bubble will burst
http://www.ndir.com/cgi-bin/stingynews.cgi?Topic=6888&Name=Why%20Canada's%20housing%20bubble%20will%20burst
"Few Canadians realize is that the housing market has avoided collapse (prices are down 32 per cent in the U.S.) because the Harper Conservatives directed the C.M.H.C to change the mortgage rules to effectively make the Canadian government the biggest sub-prime lender in the world."  "The American real estate experience could be repeated here – not as extreme; not a carbon copy; and not with exactly the same economic implications. But scary, nonetheless. After all, we’ve committed pretty much the same crimes. We overvalued houses through greed and speculation. We relaxed lending standards. We encouraged people without money to buy homes. We brought in teaser mortgage rates destined to reset much higher. We pigged out on household and consumer debt. We had bidding wars and HGTV. And we all bought into a culture of  conspicuous consumption in which a honking big house equated social standing. Now, how is Chicago so different from Toronto, San Francisco from Vancouver, Calgary from Houston, Kelowna from Phoenix or Miami from Victoria?  What does this mean?  Things get more serious in 2011.  For sellers, a brewing nightmare. In the US, prices have dropped from 15% in some markets to 70% in others. And still it’s taking an average of one year to sell a home. This is why real estate is illiquid, and a huge potential destroyer of personal wealth. With sales levels plunging, is it not reasonable to expect similar here?  For lenders and realtors and that part of the economy housing makes up, a crater. Mortgage rates could go from ridiculously low levels today to bizarre new microscopic numbers, and it would matter not a whit. This isn’t about affordability anymore, so dump the economics.  For buyers, a huge gamble. With unemployment rampant, the economy stagnant, taxes rising and confidence shrinking, why borrow a big pile of money to buy an asset that’s declining in value and people are desperate to sell? Wouldn’t it make sense to wait six months, or a year? Won’t homeowners be even more desperate then? In fact, why would you buy anything until you are sure a bottom has arrived and you won’t get creamed?  Right now, of course, it’s all exciting. Bursting bubbles. Dickhead economists. Realtor revenge. Granite and stainless Armageddon. Those people who wondered how 25-year-olds with no savings could afford spacious new digs now know the answer. They couldn’t.  But as I have said a few times, this is but the start".

Canadian Housing Bubble 'Set To Burst,'
http://www.huffingtonpost.ca/2013/05/22/canadian-housing-bubble-the-economist_n_3319397.html
"The magazine’s dire prediction comes as Canada’s mortgage brokers’ association is warning that the recent slowdown in home sales will continue and lead to large-scale job losses -- though some parts of the country will continue to see growth in housing and related employment.  Meanwhile, the Canadian Association of Accredited Mortgage Professionals (CAAMP) issued a forecast Wednesday calling for a 25 to 30 per cent decline in home sales by 2015, resulting in 150,000 lost jobs related to the industry.  'Until now, housing has played a major role in the recovery from the 2008/09 recession. That economic driver is disappearing as we see housing related jobs dry up and consumer confidence erode at a time when the national recovery is struggling to pick up steam,' CAAMP chief economist Will Dunning said.  The group predicts a 50-per-cent decline in housing starts in the Greater Toronto Area, leading to a loss of 35,000 jobs by 2015. It expects Vancouver’s housing starts to drop by a third, resulting in 7,500 jobs lost".

Thursday, February 20, 2014

The Circle (part 10‏) - Knowledge and Change

Dearest Brothers and Sisters,

"Knowledge is Power" is an often overused clicheThough the quote does enable one to seek "knowledge" (and with it, all the paths and choices that seeking "knowledge" may lead you to), "knowledge" often times, also leads to the creation of ego, confrontation, isolation, and ostracism.  This is because "knowledge" can leave you powerless, hopeless, voiceless, and frozen -depending on the social atmosphere and social environment you find yourself in.  Unless you have the social influence, social climate, social skills, and finances to your advantage -seeing everything happening around you and understanding it in depth, without being able to do anything about it, can leave you feeling empty, bitter, angry, resentful, and cold.  Furthermore, the definition of "knowledge" and what "knowledge" truly is, is different for individuals.  What you think of and value as "knowledge" can be different from that of another individual's definition of "knowledge".  What you think of as "knowledge" can be different from the area that you reside and therefore, the mainstream cultural definition of "knowledge" is different than your own definition of it.  What you think of as "knowledge" can be different from the era and social climate you find yourself in.  This definition of "knowledge" could cause conflict within yourself, with your family and friends, and with the culture you find yourself in.  "Knowledge is power" only when you understand when, how, why, and where you can use your "knowledge"

It has also been quoted, "Be the change in the world that you want to see".  That is often easier said than done.  In truth, time waits for no one, and though you have changed mentally or emotionally (or both), it doesn't mean that people around you and the social climate around you has changed. What has changed is your perception of the many things you will encounter day-to-day in your living, physical reality.  However, people are very resilient and adaptive and often, they can adapt themselves to your "change".  Often times, their attitudes and behaviors towards you change positively, sometimes negatively, other times it becomes a mix of both.  Some people may not be able to deal with the "changes" you have went through and start to distance themselves from you.  Others, will edge closer towards you and want to incorporate some of your "changes" into their life thus changing themselves (however long or short that change may last for either of you).  Others may use you as the "go-to-person" on certain topics and subjects, but simultaneously keep others topics and subjects away from you because they believe it's safer not to talk to you about it.  What you do, can lead to a chain reaction.  However, it doesn't mean it's the chain reaction you wanted.  It's not easy being the "change in the world" for often times, many of those that do become the "change in the world", also tend to become over-bearing, preachy, and egotistical.  Though they might do it out of love, "change" cannot be forced on anyone else.  Though the "change" you went through might be useful for you and your social environment/social situation, it might not be useful for others in their lives and it might have a detrimental effect on them and possibly your relationship with them.

"Everything is easier said than done" for perception in life is everything.  We, as individuals, live in a Perceptual Reality.  Nothing else!!  What we perceive of as reality, is our own reality.  From the perception of reality -we formulate our second-to-second thoughts.  From our perception of reality,  we make our day-to-day choices.  From our perception of reality we make our goals and react to situations we find ourselves in.  How we perceive reality can (and often times) differ(s) from the people we encounter on a day-to-day basis.  How we perceive any one thing in reality can differ from the people we hold close to our lives and from people who can actually have a huge impact on our lives.  Our perception of reality is problematic as well as unifying.  Understanding that our physical, living reality is perceptual is key to understanding ourselves in the world and being able to understand others therefore avoiding confrontation and problematic situations when they arise.  Understanding that reality is perceptual will enable you to try and understand how close you are when disagreements occur and how much of the bridge can be crossed to see each other's viewpoint.  Some times, you may be able to cross the bridge together and come to acceptable agreement.  Other times, walking away might be the best decision.  Other times, you might want to, "agree to disagree"  and call it quits on the argument without forcing the other to conform themselves or change themselves to the argument being made.

In regards to everyday social conventions and social conversations, don't get caught up in blindly agreeing to definitions of "morality", "ethics", "democracy", "heaven or hell", "good or bad", "sin", "sinner and saint", "right and wrong", etc.  because they are uniquely individualistic and have a uniquely different meaning for everyone that you may encounter.  One small, tiny variation in any of the terms listed above can in fact change the definition of that person's viewpoint on the topic and make it different from yours or anyone else's.  Therefore, not everyone will see terms and definitions the exact same way you see it.  One individual person might be able to see certain parts of your viewpoint easier than another person who sees even less of it.  Sometimes, no one else but you will be able to understand the definition you created for a term.  Whether it's because it's too multi-layered for others to grasp, or your definition of it is flawed, time will tell.  Don't get caught up in ego, arguing over topics that are individualistically defined and individualistically based on perception.  

Understand that social reality, social circumstances, and the social environment that individuals find themselves in, changes the way an individual thinks, reacts, and acts from time-to-time.  Some individuals once they change and head towards a certain path, it is very difficult for them to alter and come back similar to the person you knew from before (for better or for worse).  Other individuals may go through the same changes, yet at a later date and time, due to that person leaving the social setting they are in or leaving the social environment -dramatic changes occur to that individual (for better or worst) and they are brought back to the similar person they were before the changes occurred.  Change and the way change affects any one particular individual can never be foretold with accuracy and certainty beforehand.  Change is a transformative process that can affect so much and yet can be caused by so little.  

Often times, the "Rat Race" that people find themselves caught inside when trying to survive, drives many to become: (a) cold, distant, empty, reclusive, and exhibit anti-social behaviors.  For others, the "Rat Race"  causes: (b) them to find their identity and purpose.  For some, it's a mixture of both.  Some items from category (a) and some items from category (b).  You may never know exactly which person you encounter and what category they will fall into.  Day-to-day encounters are full of unknown variables that can impact your life at every turn you may take.  Some encounters might impact you negatively, some positively.  What's ahead of you, no one knows.  That is a journey one must experience by living it Though society, through the capitalistic pyramid structure in place socially engineers and constructs us to be cannibalistic in nature and prey off other people's fears and worries, it doesn't necessarily do that for everyone.  Some people keep their innocence and purity in tact and are very benevolent and loving.  Others are tainted by the society they are living in and become defensive shells of themselves.  Others become very opportunistic and manipulative and see people as commodities to be used as they see fit.  Be weary of how the"Rat Race" has an impact on everyone's psyches.  For no matter what, the perception you may have of the world, not everyone has had the privilege of living the similar life you have lived.  Therefore, the "Rat Race" has altered them to become a shell of what their true latent potential actually is.

For many, regaining your "lost child" hidden and buried deep within yourself may enable you to see the world with "fresh" eyes everyday.  Seeing the world through the eyes of a child, everyday, with "new" eyes of wonder and awe can free your mind of already cemented and consolidated negative viewpoints you have gathered over the past recent years as you aged into adulthood.  With that said, though something may be negatively viewed now, it can be viewed differently if given the "right" eyes to use.  For in truth,  nothing stays constant.  Sometimes it's the external world that changes, sometimes it's your internal world that changes -both will enable you to see the world through "new" eyes.  Whatever it may be, the way you look at the world with your eyes impacts the way you formulate your thoughts inside your mind and impacts your attitude and behaviors.  This effects your every relationship on a day-to-day basis as well.  If the way you look at the world isn't working for you presently, try and go back to a time where it was working for you, and then see why it was the way it was.  Certain mind frames and viewpoints from the past can be brought to the present.  Others cannot.  You must see what works for you and what doesn't.   

One must also understand that your work/career is not the full embodiment and definition of you.  Your self worth is not the money you make.  Your financial circumstances do not make you.  Be confident and accept that.  It might be to some people and in some cultures (such as the one we are living in now) but not to everyone living in that culture.  Find the people that make you comfortable with your thoughts, and with your emotions, and love the life you want to live.  Realize that not everyone will accept all your viewpoints and opinions but taken as a whole, does that person or group enable you to concentrate on your goals and move forward and stay positive?  If it's the opposite, and the person or group hinders your self growth, then you have to reflect and ask your self if staying there is actually beneficial to you in any way.  Though you might not  be able to walk away sometimes, lessening the impact they may play in your life is certainly a positive step that could play dividends in the future.

Reality is not about being depressed, or losing hope, or feeling empty.  Reality is based around confidence and self worth.  It's about understanding.  It's about acceptance.  It's about realizing the situation you are in and being resilient and adaptive.  It's easy to lose faith and to lose hope in yourself and in others, it's another to motivate yourself in the face of adversity and accomplish your set goals and in turn, motivate others.  In truth, life is nothing more than a journey you travel on.  Don't let ego or your lack of confidence rule your perception and ruin your choices and take things away from you that you truly believe you deserve.  Know and understand yourself.  Know the people you surround yourself with and the energy they bring into your lives. 

Though family is the one thing you cannot alter because you do not control the "birth lottery" it is something that can impact you positively or negatively so you must choose carefully the amount of time and energy you want to expend on your family.  Emotional ties run deep when it comes to family.  Some people in families realize this fact and manipulate sacrificial lambs and martyrs.  So realize all the people present in your family before deciding what role it is you want to play.  Sometimes you do more harm than good when interfering in things that are way out of your control or understanding.  Sometimes, things must run it's course without us being involved.  Choices made by individual family members do impact more than just themselves.  Not everyone realizes this.  Some that do realize this, realize it, but cannot apply it.  Whatever role you decide to play, understand that things will be out of your control and you can only control so much.

Love life, for you only have one life to live as the person you are presently.  You only have one life with the people and memories you have presently.  If you don't love it, quiet your mind enough so that you can reflect and self-reflect constantly.  This will enable you to collect yourself and know yourself and therefore understand yourself.  When you understand yourself, know your motivations.  Know your fears.  Use both your fear and your motivations for your advantage when you aim towards a goal.  Make your goal your sole focus when you aim at it, concentrating your whole being on actualizing it.  Make your dreams come true, adapting at each stage you come across.  For you can blame no one else but yourself for letting opportunities squander because of your own attitude.

On your journey in life, with each breath and with each footstep you take, you will have a chance to understand your world and the different people you encounter.  Your journey will enable you to have a chance to experience different and diverse cultures and languages.  What you see in your encounters depends on what you put inside you mind when you go through your experience.  The "truth" will always be in front of your eyes, in reach of your fingertips, felt by the silence in your mind.  Never stop believing in yourself and others.  Never stop adapting.  Remember resiliency is a trait all human beings have if they choose to use it.  Never give up on yourself or others.  Never let the light fade inside you.  Life is a lot darker when the light inside you dies.

At times, reality may seem hopeless.  Especially when you see the harshness of social circumstances and what it does to people and how it shapes them.  When's it all around you and it becomes harder to ignore.  When you encounter disease, or war, or theft, or rape, or abuse, or poverty -it's hard to just focus on the positivity of life and the beauty embodied in all things.  However, your thoughts do control what emotions you go through and simultaneously, situational circumstances play into it as well.  Do what you can with what you have.  There is nothing more you can do if you know you have done everything you could at the moment in time that you needed to do it.  Sometimes, doing everything you could isn't enough.  For those times, when reality looks bleakest, realize that all things change.  What may be a certain way at this present time, may be better or worst at a later time.  Change must be experienced.  It cannot be described.

Change is constant.  Our perception of change determines our attitudes, beliefs, our choices, and our actions.  Whatever you throw yourself into, learn the lesson as you are going through the experience.  Don't live a life of regret or worry.  Look back nostalgically and accept the moment.  Moments make up your life and every moment in the past can be re-lived in the future even if the situation around you has changed.  Accept things as they come.  Change things you can.  Move on and away from things you cannot change.  Understand change takes place either way.  Don't think you can solve everything.  Don't fool yourself  into believing you can sympathize and empathize and truly feel what someone else feels and has lived through when you yourself have not gone through it.  Experience is the greatest teacher.  Every experience and feeling is individual and even though you understand some layers, you might not be able to understand them all.  Some things you may understand now, but did not understand in the past.  Some things you don't understand now, you will understand later in the future.

Understand that everywhere you go, National Propaganda will make the country you are in seem better than it actually is.  Don't get sucked into it and become an instrument the Elites and Big Business need you to become for their own benefits.  Don't believe the hype.  Don't believe what they are selling you.  With perceptual reality, you can look at the whole picture of your living, physical reality on a macro-cosmic level if you so choose to.  If you choose not to, you might want to emphasize others micro-cosmic parts of your reality and just focus your total energy on that.  Either way, the social forces that exist, outside of your individual perceptual reality, do in fact impact and affect your social and economic reality.  Don't forget, what you choose to ignore, also says just as much about you as what you choose to believe.  People often fill themselves up with many different distractions throughout their physical, living existence in order to distract themselves or to find meaning in their lives.  Whether it's alcohol, prescription medication, drugs, video games, sports, movies, work, sex, religion, family and friends, relationships, etc. -all of it is nothing more than distractions in our physical, living reality.  Therefore, it cannot be judged by another person if there is purpose to it, or meaning to it, or if in fact it's the "right" or "wrong" choice.  Do not let others take away your happiness.  Do not ignore their wisdom or warnings.  Take everything with a grain of salt.

The way you perceive your reality will be much different than the way another person perceives your reality.  Some times, it is you that creates their perception of your reality by what you tell them about your reality.  Be aware of what information you give to others about your reality especially if you are worried it may come back and haunt you.  How much time, energy, passion, and purpose an individual puts into his/her perceived reality is totally up to the individual.  How he shapes his/her mind, is many times under his/her control and no one else's.  Perceived realities only come into conflict with one another person's reality when one of the two individuals decides to make a judgmental statement or take a judgmental action on someone else's perceived reality.  Therefore, be weary of the perception others have of you and your reality.

Though society has forgotten that  "Class Warfare" exists because of the "Cold War" since we were conditioned and indoctrinated at that time to believe the spoils of war were for us -we must never be fooled again.  We were taught during the "Cold War" to believe in the "trickle down" effect because we were socially conditioned to do so.  Believing that myth enabled us to hope that when the "Cold War" ended, war would stop.  However, now that you see how National Governments, the Entertainment Sector, the Media, Big Business, and the Elites exploit hope and manipulate hope in order to accrue profits, we must understand we cannot just blindly agree and go with what they want us to go with.  Though you might not be able to convince the masses, at least you have an understanding of it.  

In truth, all things from birth are controlled.  Parents control what they put into the minds of their children before they send their children off to schools.  Schools and Post secondary institutes control the mind by controlling the marks.  That's how we are conditioned by schools.  Work controls our minds and our actions by controlling our salaries and our upward advancement opportunities.  That's how we are conditioned by work.  The Entertainment Sector and the Media use predictive programming through the TV, and through the radio, and through ads to control our minds because of it's constant repetition.  No matter what, your mind is never free.  It was never free since you were conceived.  Only when you can pause your mind and enable it to focus on your breath, is your mind free from the clutter you have received ever since your conception.

Be weary of how the media and entertainment sectors use extreme cases as an argument for their objectives.  Through the presentation and repetition of an item, the entertainment sector and the media enable us to think of a certain item a certain way and therefore when we hear the item at a later date, the thought we have of the item is what they had created subtly.  For example, "hoarding".  Extreme cases and extreme individuals are shown presently living in unsanitary conditions and being a health risk to themselves and to others.  However, during the "Cold War" era, governments wanted citizens to stockpile supplies just in case a Nuclear Warhead detonated and individuals were stuck inside their bunkers.  Now that National Governments are faltering, governments have enacted Executive Orders in order to confiscate those supplies from citizens and argue the case without revealing what they took by simply saying and using the term, "Hoarder" via the media.

Don't get caught up by people who hide themselves behind quotes, or behind theories, or behind ideologies.  Don't get intimidated by people who hide behind the "power of numbers", or their net worth, or their job titles.  Religion, Education and Book Smarts, Being "Cultured" and a travel expert, or having Life Experiences and "Street Smarts" -all create people who have the opportunity to have their minds open, yet along the way, they have chosen not to.  They have used their "knowledge" to create bubbled realities within themselves and for their families therefore consolidating already prejudicial views and ideas inside themselves.  Be weary of these people, for there are far more close minded people than there are open minded people.  Also, do not be intimated by "Alpha" Male and "Alpha" Female personalities for they might lead you down the wrong path and then blame you for following them.  Make accountable choices on your own based on combining logic and emotion and seeing your choices out to the end without just rushing into it halfheartedly and blindly.  

We are all equal to a degree and unequal in other degrees.  What makes us more or less valuable and creates the inequality in society, depends heavily on the culture we are living in.  With that said, humans are very resilient due to the Defensive Mechanisms they are able to create in order to lessen and reduce trauma (emotional and physical) in their lives.  Forgiving, Forgetting, Romanticizing, Fits of Anger, Fits of Jealousy, Apathy, Sarcasm, Nostalgia, Laughter, etc. are all defensive mechanisms humans have used on one another and on themselves to alleviate pain and reduce sadness.  Understand your culture you are living in and understand what you are able to do and not do.  The ego will say you can do, whatever you want.  Think a lot deeper and see how culture restricts people's growth.  "A being of higher faculties requires more to make him happy, is capable of more acute suffering, and certainly accessible to it at more points than one of an inferior type.  It is better to be a human being dissatisfied than a fool satisfied".

"We are Living in the Age of Catastrophe!"  OR "We are Living in the Age of Scientific Wonder".  Beware of polar opposites and dichotomies when it comes to picking sides on any one topic.  No one should force you to conform to a belief system that has flaws and is fallible.  Most topics, arguments, conversations, discussions -have flaws, weaknesses  and are fallible.  Don't get pulled into something you don't truly believe in and you don't want to fight for.  In truth, in all worlds, "First World" or "Third World", you will come across and experience "Time Frozen" and "Time Sped Up".  "Time Frozen" are areas in Jaffna, areas in North Carolina, areas in Dominican Republic, etc. where you are brought back to a time anywhere between 1900's and 1960's and life is more relaxed, slowed down etc.  "Time Sped Up" is areas such as Toronto, Las Vegas, New York, etc. where people and items are moved non-stop and there is no time to breathe or think.  Where you live in relation to the proximity, "Time Frozen" and "Time Sped Up" has a huge impact on the way you perceive yourself, the way you perceive others, and the way you perceive your own life.  For some, "Time Frozen" is the place to be.  For others, "Time Sped up".  For some it's a mix of both.  Travel and see where you fit in.  "Time Sped Up" and "Time Frozen" can be found in all countries in different areas of the same country.

Just remember my brothers and sisters, that many times you cannot "pay it backwards", however, you can "pay it forward".  Sometimes you can make a difference in the life of some one else, just by helping them with nothing asked in return. A sincere, genuine assistance can go a long way when given to the right person.  Some people will manipulate, exploit, and abuse you and the service/aid you give.  Some will be forever grateful.  You never know the full outcome, until you give of yourself to another person.  "Pay it Forward" essentially means, giving something to someone for nothing and hoping he/she continues the trend and gives assistance to someone else for nothing.  Eventually it will hit a bump when the person you "pay it forward" to is selfish and keeps getting without giving.  It happens.  C'est la vie!!  You can never fully get rid of selfishness and self-interest in others

Alas, "Money Makes the World Go Around".  Whether it's money that is hidden in Secret off-shore companies such as Quantum Fund NV which is owned by George Soros OR money that's hidden by National Governments through "Black Budgets" and "Classified Files" -following where the money leads can make you understand the social forces that exist inside your reality.  However, "knowledge" of this sort and type also distorts your own social reality because it makes you aware of what occurs without enabling you to actually have an affect on the things taking place.  Many National Governments, in conjunction with Drug Lords, War Lords, Organized Crime Syndicates, and Intelligence Agencies are involved in money laundering schemes in order to accrue even more wealth in the system and therefore stimulate and manipulate economies, citizens, and societies.  Money enables the Elites and Big Business to hire the personnel needed for Operations such CointelPro (domestically launched), Operation Gladio (Externally launched), False Flag operations (Launched domestically and externally).  It also enables Big Business and National Governments to "Rent-a-Cop" (paid off duty police officers) and "Rent-a-Military" (hire out militaries to protect their companies and assets in other countries).  Though "Money Makes the World Go Around", try and understand how much money you need to make you happy and whether in fact, you can live with less.  If in fact, money can make you happy or if it's something else you need which will make you happy, seek it.  Having no money, isn't a viable choice in this economy.  Having too much money or only seeking money, has problems of it's own.  Choose for yourself, how much money is needed to make your perceived reality worth living.  Then strive to make your perceived reality a reality worth living in.

SIDE NOTES:
On top of the other differences that exists between the definition of "Knowledge", there also exists the difference between, "Esoteric Knowledge" and "Exoteric Knowledge" which will also factor in and shape the way you look at reality.

The Circle (part 9) -S.S.R.I, Gun Violence, Patsies, "False Flags", Manufactured Fear, & the use of Social Distractions

Dearest brothers and sisters,

ALL Governments and ALL Law Enforcement agencies have historically manipulated and used the mentally ill, "mentally retarded", and members in fringe groups or isolated introverted individuals in order to force confessions and to find scapegoats for unsolved crimes (and for crimes that needed an immediate suspect).  Due to society's "knee jerk" mentality for convicting and judging people due to their own fears (which again is often times manufactured by the media outlets and the government), many of these individuals will never get a fair trial because society has already judged them guilty without looking at the facts or the evidence related to the case.  These individuals are then symbolically purged and made to disappear without addressing many of the root issues or tackling any of the evidence.  Governments entrap complicit individuals and "set them up" in order to look efficient and effective in the public eye in order to receive funding.  Whether it's a huge drug bust, a terror sweep, a criminal dragnet, a prostitution ring, child pornography network, etc.  many times over the Governments and Law Agencies are complicit in creating the network, monitoring the network, and then going after certain individuals of that network.  This method is repeated ad infinitum because if you do not have an enemy or a threat, you must create an enemy and a threat in order to create dependence by solving and eliminating the enemy and the threat. All of this is done for PR purposes to make the government and agencies look better than they are in the public eye.  The entertainment sector and the media ensure the Government and Law Agencies get the recognition they deserve.  The entertainment sector creates the image of the "good" cop through shows such as C.S.I, "The First 48", Cold Case, New York Undercover, Cops, etc. in order to subconsciously create images for the masses to believe that "justice is blind and all are equal under the law", that the system works efficiently and works well for the masses, and that law enforcement agencies work solely for the masses as opposed to any other selfish individual goals.  One must understand however, that cops and security personnel and CCTV's do not stop crimes being committed, they only gather evidence in order to get the case to go to trial

To the naked eye, without understanding the global agenda behind this, you will think all of this a coincidence and a random occurrence.  It is not.  Justice never goes after BIG BUSINESS and the ELITES unless there is dissension in the ranks between the ELITES and BIG BUSINESS.  In regards to school violence and gun violence (I want you to look at the pic above before going further down the list).  The media is initiating an orchestrated plan created and designed by the Elites in order to manufacture fear not only to sustain the need for the media's existence but to allow for gun control laws to be put into place and for a larger surveillance society to be created.  Forget the term, "police state" and "fascism".  A surveillance society built through social networks, infused by new adaptive technology, and maintained and run by security personnel is enough to monitor individuals and their activities and predict their reactions and actions.  It also enables law enforcement agencies to manufacture "patsies" and create "false flags" out of thin air.  Below you will find all the SSRI related cases which have stormed the national headlines of all international newspapers.  All of these cases, were similar because the media and the governments did not cover the individuals S.S.R.I doses or go after BIG BUSINESS (in this case BIG PHARMA, Psychiatrists, and the MEDICAL INDUSTRY).  Instead they created narratives based on "lone gunmen", "loners", "losers", "fringe groups" to explain away their behavior and go after gun control.  The reader might read this and think, "so what does this have to do with me?".  ANYONE CAN BE MANIPULATED AND BE MADE INTO A PATSY WHETHER YOU ARE COMPLICIT OR HAPPEN TO BE IN THE WRONG PLACE AT THE WRONG TIME!!  All national governments because of the "War on Terror" have enables the judicial system to create laws where you can be detained for an extended amount of time without evidence or without being charged hence you can lose your whole livelihood in the blink of a second.  All they need is one line from an email, or a tweet, or a Facebook posting, or a pic, or a connection to a "mole"/"strawman" in order to detain you.  

Brothers and sisters, do not believe everything you come across or encounter via the media, or the mainstream masses, or from the national governments.  The Elites, Big Business, and the national governments are going after censorship on the internet in order to create only one narrative and one storyline.  When that does happen, realize that one narrative though it is easy to focus on and believe, isn't the only narrative in existence.

Brothers and sisters, S.S.R.Is, VIOLENCE, the use of SOCIAL DISTRACTIONS, and the use of media MANUFACTURED FEAR is intertwined together and littering our society presently affecting more lives than the media would like to cover and society would like to admit.  "Nobody is saying that Asperger's or Autism is the cause of the violence. It is the medications used to treat those conditions that have a long record of triggering suicide and violence".  For example:
 - Eric Harris age 17 (first on Zoloft then Luvox) and Dylan Klebold aged 18 (Colombine school shooting in Littleton, Colorado), killed 12 students and 1 teacher, and wounded 23 others, before killing themselves. Klebold’s medical records have never been made available to the public.- Jeff Weise, age 16, had been prescribed 60 mg/day of Prozac (three times the average starting dose for adults!) when he shot his grandfather, his grandfather’s girlfriend and many fellow students at Red Lake, Minnesota. He then shot himself. 10 dead, 12 wounded.- Cory Baadsgaard, age 16, Wahluke (Washington state) High School, was on Paxil (which caused him to have hallucinations) when he took a rifle to his high school and held 23 classmates hostage. He has no memory of the event.- Chris Fetters, age 13, killed his favorite aunt while taking Prozac.- Christopher Pittman, age 12, murdered both his grandparents while taking Zoloft.- Mathew Miller, age 13, hung himself in his bedroom closet after taking Zoloft for 6 days.- Jarred Viktor, age 15, stabbed his grandmother 61 times after 5 days on Paxil.- Kip Kinkel, age 15, (on Prozac and Ritalin) shot his parents while they slept then went to school and opened fire killing 2 classmates and injuring 22 shortly after beginning Prozac treatment.- Luke Woodham, age 16 (Prozac) killed his mother and then killed two students, wounding six others.- A boy in Pocatello, ID (Zoloft) in 1998 had a Zoloft-induced seizure that caused an armed stand off at his school.-Michael Carneal (Ritalin), age 14, opened fire on students at a high school prayer meeting in West Paducah, Kentucky. Three teenagers were killed, five others were wounded.- A young man in Huntsville, Alabama (Ritalin) went psychotic chopping up his parents with an ax and also killing one sibling and almost murdering another.- Andrew Golden, age 11, (Ritalin) and Mitchell Johnson, aged 14, (Ritalin) shot 15 people, killing four students, one teacher, and wounding 10 others.- TJ Solomon, age 15, (Ritalin) high school student in Conyers, Georgia opened fire on and wounded six of his class mates.- Rod Mathews, age 14, (Ritalin) beat a classmate to death with a bat.- James Wilson, age 19, (various psychiatric drugs) from Breenwood, South Carolina, took a.22 caliber revolver into an elementary school killing two young girls, and wounding seven other children and two teachers.- Elizabeth Bush, age 13, (Paxil) was responsible for a school shooting in Pennsylvania.- Jason Hoffman (Effexor and Celexa) – school shooting in El Cajon, California.- Jarred Viktor, age 15, (Paxil), after five days on Paxil he stabbed his grandmother 61 times.- Chris Shanahan, age 15 (Paxil) in Rigby, ID who out of the blue killed a woman.- Jeff Franklin (Prozac and Ritalin), Huntsville, AL, killed his parents as they came home from work using a sledge hammer, hatchet, butcher knife and mechanic’s file, then attacked his younger brothers and sister.- Neal Furrow (Prozac) in LA Jewish school shooting reported to have been court-ordered to be on Prozac along with several other medications.- Kevin Rider, age 14, was withdrawing from Prozac when he died from a gunshot wound to his head.  Initially it was ruled a suicide, but two years later, the investigation into his death was opened as a possible homicide. The prime suspect, also age 14, had been taking Zoloft and other S.S.R.I antidepressants.Alex Kim, age 13, hung himself shortly after his Lexapro prescription had been doubled.
- Diane Routhier was prescribed Welbutrin for gallstone problems. Six days later, after suffering many adverse effects of the drug, she shot herself.- Billy Willkomm, an accomplished wrestler and a University of Florida student, was prescribed Prozac at the age of 17. His family found him dead of suicide – hanging from a tall ladder at the family’s Gulf Shore Boulevard home in July 2002.
- Kara Jaye Anne Fuller-Otter, age 12, was on Paxil when she hung herself from a hook in her closet.  Kara’s parents said “…. the damn doctor wouldn't take her off it and I asked him to when we went in on the second visit. I told him I thought she was having some sort of reaction to Paxil…”).Gareth Christian, Vancouver, age 18, was on Paxil when he committed suicide in 2002, (Gareth’s father could not accept his son’s death and killed himself.)- Julie Woodward, age 17, was on Zoloft when she hung herself in her family’s detached garage.
- Matthew Miller was 13 when he saw a psychiatrist because he was having difficulty at school. The psychiatrist gave him samples of Zoloft. Seven days later his mother found him dead, hanging by a belt from a laundry hook in his closet.
- Kurt Danysh, age 18, and on Prozac, killed his father with a shotgun. He is now behind prison bars, and writes letters, trying to warn the world that S.S.R.I drugs can kill.
- Woody, age 37, committed suicide while in his 5th week of taking Zoloft. Shortly before his death his physician suggested doubling the dose of the drug. He had seen his physician only for insomnia. He had never been depressed, nor did he have any history of any mental illness symptoms.
- A boy from Houston, age 10, shot and killed his father after his Prozac dosage was increased.
- Hammad Memon, age 15, shot and killed a fellow middle school student. He had been diagnosed with ADHD and depression and was taking Zoloft and “other drugs for the conditions.”.
- Matti Saari, a 22-year-old culinary student, shot and killed 9 students and a teacher, and wounded another student, before killing himself. Saari was taking an SSRI and a benzodiazapine.
- Steven Kazmierczak, age 27, shot and killed five people and wounded 21 others before killing himself in a Northern Illinois University auditorium. According to his girlfriend, he had recently been taking Prozac, Xanax and Ambien. Toxicology results showed that he still had trace amounts of Xanax in his system.Finnish gunman Pekka-Eric Auvinen, age 18, had been taking antidepressants before he killed eight people and wounded a dozen more at Jokela High School – then he committed suicide.
- Asa Coon from Cleveland, age 14, shot and wounded four before taking his own life. Court records show Coon was on Trazodone.
- Jon Romano, age 16, on medication for depression, fired a shotgun at a teacher in his New York high school.

Brothers and sisters, "think about how our culture is now structured for the average young adult: STRESS, everywhere you look -commuting in horrible traffic, as you want to scream in frustration--money stress, mortgage/rent stress, tuition stress, utilities stress, gas stress, insurance stress, vacations stress, cable bill stress, rising food costs stress, and on and on and on -stress from family problems, divorce, delinquency, drugs, crime, infidelity, 'keeping up with the Jones', etc.  People have too high an expectation of what they should have out of life, and get overly stressed over it all. How does all of this manifest itself? A prescription drug culture (Zoloft, Xanax, etc.) that tricks people into thinking a pill will knock back the stress, when these drugs only make things worse".  Add to the fact my brothers and sisters that the entertainment sector and the media thrives on images of violence, images of sex, images and stories of misery and pain, and images of emotional chaos -all of these things  subconsciously filter into your mind and your thoughts causing you to be stressed even more.  it causes you to be more irrational and exhibit anti-social behaviors. Now add medication into the mix with your already created subconscious thought patterns and we have a tinderbox situation ready to explode.
Medication is one problem, what we distract ourselves is another, how society is constructed and socially engineered is a third.  We live a very unhealthy lifestyle presently which enables us to want to be distracted which in turn creates even further inner turmoil.  Be weary of all these things my brothers and sisters. Avoid living beyond your means and avoid living in debt. You can free your mind and free your time by avoiding debt.  You owe it to yourself and to your future!!
SIDE NOTES:

"America is #1 In Fear, Prison Population, Stress, Anger, Divorce, Obesity, Anti-Depressants" (but look at poverty created from the 1980's onward in America.  Look at the explosion of Media coverage, the growth and explosion of the entertainment sector and the creation of video games, the lack of role models, the explosion of BIG PHARMA and BIG BUSINESS, the effects of globalization, etc.  All of these things factor into the lives of Americans and more specifically into their subconscious minds thus affect the way they think and act in their lives on a day to day basis).
"Paradise Lost: The Child Murders at Robin Hood Hills"
 (movie) -how fear dictates verdicts and enables society to pass immediate judgement.


Louis Taylor trialhttp://arizonaprisonwatch.blogspot.ca/2012/10/prosecuting-innocence-louis-c-taylor.html

The Circle (part 8) -Technological Scientific Dictatorship, Internet Censorship, & "Regime Change"

Dearest Brothers and Sisters,

BRAIN DRAINS AND DEBTOR NATIONS
 Though you might not want to think about it and rather refer to the outside forces as "Shadow Governments" or "Shadow Politics" in order to push it out of your mind and out of your every day reality -the influence these outside forces have on our social, political, and economical realities day-to-day are immense.  Much of what works in the "shadows" in part has a lot to do with the Wealth and Social Influence that these "Shadow Forces" wield at their behest.  Historically, wealthy families and their "associates" avoid most of the social and economic global catastrophes because their immense wealth and social networks enable them to use it at their discretion.  This allows them to move themselves, their money, and their families far away from problematic issues long before the problems in a country arise and are apparent to the masses ("Wealth Drain").  The Rich and Middle Classes/Indoctrinated "Educated Elites" also have the ability to move from country to country when the economy and political realities appear to the masses.  These two groups (the Wealthy and the Educated) fleeing from any country they formerly inhabited, causes the country to go through vacuums that they cannot easily cover up.  Once wealth and "the experts" have left a country and migrated elsewhere, this often hinders the development of the country long after the initial problems become resolved.  This puts the weakened country and it's trapped politicians stuck borrowing from Banks in order to repair their damaged country and train workers in order to fill in for the "Brain Drain" and "Wealth Drain" that occurred during the tumultuous time.  After much of the debt is accumulated from borrowing from Banks, countries are stuck in a quagmire  often having to become an export nation and bring in privatization measures in order to pay back the interests accrued from borrowing from Banks in order to create "job training" and jobs in the faltering economy.  This also opens the door and allows for foreign investment to stimulate economies and create a false notion of a successful economic growth which is very detrimental to the future of the country (this problem of foreign investment stimulating economies will be brought up at a later time in the article).  "Brain Drains" and "Wealth Drains" is what is occurring presently in First World countries who have already economically collapsed and are becoming Third World countries presently (ex: Greece, Cyprus, Ireland, etc.)

Creating debt and "Brain Drains" for many countries across the world is why the "Cold War" was so pivotal to the Central Banks and the Elites.  The "Cold War" created Proxy Wars in countries and areas across the world that were trying to find their own path after Colonization and were trying to move away from the two spheres of ideologies that existed at that time.  The Cold War fought between Superpowers and fought through Proxy Wars engulfed all global areas and ensured that this independence did not occur for any nation.  Instead of pulling away and creating their own separate spheres, "independent" and "free" nations which were led by Populist leaders would actually be forced to puller closer to one of the two spheres/ Superpowers and depend on Central Banks. Proxy Wars initially created by Superpowers devastated economies and societies and toppled many populist governments which resisted them.  Instead of trading between themselves, growing dependent on one another, and avoiding the two trading blocks and two Superpowers -Proxy Wars made countries trying to be independent, become forced to rely on a Superpower to save their country from the other Superpower and therefore Proxy Wars put them in a unenviable position.  Caught between "a rock and a hard place" independent countries tied themselves to one of the Superpowers and the independent sphere no longer existed.  Either choosing to get aid from a Superpower or using all of their own resources to fight off the destabilization efforts by a Superpower (which forced them to borrow heavily from the Banks) independent nations found that they could not get away from the private debt system in place.  Hope which was created immediately after the end of Colonization and the starting of independence for so many "free" nations and their citizens soon ended during the Cold War.  During the Cold War, many countries and their citizens faced the harsh truths of the geo-political and economic realities in place.  Many of the "educated elites", facing weak economies, very few job opportunities, and little upward social mobility -left towards the First World countries creating more "Brain Drains" to an already faltering economy which did not even have a chance to create itself.  The Third World was then created while the First World prospered because of "Wealth Drains" and "Brain Drains".  This trend of Superpowers manipulating countries and their citizens has never stopped and in fact continues presently because of the "War on Terror".


SUPERPOWERS, MILITARIZATION, WARS, AND PROXY WARS
The "War on Terror" presently enables Superpowers to manipulate nations and use citizens in any nation for their own agendas.  Since a Superpower only needs to find an "enemy" or a "threat" to it's "national interests" in order to intervene and attack, it's been revealed many times over that, "the USA created forces it spends money fighting against".  This is an old trick used historically by Empires and Superpowers in order to manipulate the masses into believing that there exists an enemy and a threat when in fact: (a) there exists none, (b) the threat of danger from the enemy is far smaller than is actually shown and can easily be controlled by already existing police forces inside the country OR (c) fabricated entirely in order to manufacture dependence on foreign governments and foreign militaries in order to protect them from the impending threat. In other words, it's no different than a "Extortion Racket" created by Empires and Superpowers in order to gain more control over smaller nations

The misunderstanding of "good" and "evil" and the ignorance of the masses historically, culturally, economically, and politically enable this to happen time and time again.  With the media's tactic of repetition being used on the masses to control narratives, it causes the masses to blindly support what occurs when the government or social institute advocates for it.  Blind faith in anyone, whether it's a religious leaders or a political leader, enables acts to occur worldwide that might not have relevance in your life but does affect the lives of many other individuals, other cultures, and other groups. Blind faith and belief in the Media's viewpoints, Social institution's teachings, and National government's agendas -enable a new culture to be created and over time to become entrenched into a belief system which has been socially engineered and created in order to become the new "mainstream society".  Those that disagree with this new viewpoint are quickly cast out, stigmatized  and seen as "different", therefore not belonging to the society and seen as an outsider.  Though this does permit for fringe groups to be created outside of the mainstream society at large, since democracy revolves around the majority, the "Tyranny of the Masses" has been brought into existence which will have devastating results for all individuals in the society (and the world) since mass society depends on Patriotism and Nationalism as cultural identities.  Both Patriotism and Nationalism feed into climates of war and into the "War Machines" that have been maintained since World War 2.

Presently, newly created military powers (due to the "War on Terror" campaign) has enabled the creation of "Right to Protect" (R.2.P) and Pre-emptive strikes and Pre-emptive interventions (Bush Doctrine) which further exacerbates the climate of fear and tension which did not exist before the "War on Terror" was launched.  This climate of fear stimulates the Militarization of nations and forces nations to borrow from Central banks in order to do militarize.   It also forces money that could be going to much needed social programs inside countries, to be spent on the military and security apparatuses which will be used by the Elite and National Governments for their own benefits.  'War is a Racket" that is the reality of why it is used time and time again by the Elite.  War enables mass profits to be accumulated to a small group at the expense of many.

In fact, the present escalating North Korean rhetoric is in response to the US militarizing South Korea after 9/11.  Put simply, it is as if you are living inside your house (North Korea) and outside you are watching people (South Korea and U.S.A.) strategize and plan ways to break into your house and attack you.  In defence of that strategy, you arm yourselves and prepare ways to prevent that from happening.  The people that were planning to break into your house, now use your defensive response to advance their own plans and begin further militarizing, training, and preparing, and still continue arming themselves.  You respond by issuing more threats and militarizing even further.  Now, what has been created is a game of "Bluff".  However, the game of Bluff is created and played in order to see who blinks first.  The only consequence is that it's a child's games that involves the whole world and puts economies and citizens at stake. Furthermore, the problem of the game Bluff is that it also opens the door for "False Flags" to occur.  This unknown and uncontrolled variable of the "False Flag" once opened enables war to not only destabilize much of the area that the conflict arises in (ex: Korean Peninsula) but also enables allies of each nation to join in the fray (ex: China, Russia, and NATO).  

Militarization and War Economies enabled Germany, U.S.A., Russia, Japan, etc. to escape the Great Depression after it had devastated their economies.  Even though it pitted the countries against one another in the War, the tension also enabled many nations which had nothing to do with the initial conflicts to be pulled into it due to their alliances with the nations already engaging in war.  "A potential US attack against North Korea is simply a back-door route to a war against China, in order to attempt to prevent it from coordinating with B.R.I.C nations to establish a regional currency which bypasses the US dollar completely".  In fact, America and it's allies have encircled all B.R.I.C nations through current Proxy Wars started since 9/11.  The "War on Terror" has enabled "Regime Change" to occur which favors American business interests over that of East Asian, Asian, or Russian investments.  Investments by B.R.I.C nations inside Africa, Asia, and in Latin America have been altered because of "Regime Changes" and "Proxy Wars".  Since 9/11, for example: U.S.A. has caused destabilization of countries which surround B.R.I.C nations whether through military action, covert intelligence operations, through manipulation of "terrorist cells", or economically.  Pakistan and Afghanistan have been destabilized against India; Iran, Afghanistan, and North Korea against Russia; Japan, Myanmar  Malaysia against China, etc.  This toxic atmosphere presently in place opens the door for a tinderbox global climate which a "False Flag" operation can completely open up and which will lead to further conflict.  "Any military confrontation between NATO and her allies and Russia and her allies, would plunge this planet into a world war".  This current atmosphere is what enabled previous Global conflicts historically to occur.  Do not forget that economic sanctions by America caused Japan to attack Pearl Harbor in World War 2.  Faltering economics, Expansion by Empires, Military War games, and Militarizing of nations started World War 1 once Archduke Franz Ferdinand was shot.  What will be the trigger to kick off World War 3?  Will the Economic time bomb drop first?  OR an actual bomb that drops and creates and conflict that spreads into a larger war?  Either of those choices are a lose-lose for the masses and a win-win for Banks and Big Business who will profit off the misery.


CREATING AND MANIPULATION OF OPPOSITIONARY FORCES/"REGIME CHANGE"
Since money enables the politicization of any one topic, this ensures that a small idea will eventually run into funding issues and the money needed to implement broad change will have to come into contact with someone willing to fund a cause with their money. This gives the funder control of the cause and movement, control of it's leaders, and control of its objectives (no matter what the leader wants to say publicly) .  This is why social causes and social uprisings are often manipulated first by Intelligence agencies and then hijacked by Big Business and the Elites in order to fit their own needs and agendas

Expanded further, all National Governments have oppositionary groups in their respective countries.  However, how can any National Government survive if the opposition was directed, armed, trained, funded, and led by Foreign powers?  Would any National Government being threatened, not react by crushing and imprisoning the opposition group once they realized how destabilizing the oppositionary forces were to the stability of the country? Now imagine if the worldwide media turned this picture of protecting "national interests" into propaganda and caused public dissent by the minority (oppositionary group) to tarnish the image of the National government as a whole.  Imagine if International leaders and the International populations turned away from the National government trying to save itself from being toppled by oppositionary forces -how can the National government possibly survive? Can any government survive for long in these circumstances?  If all the opposition parties during the 1960's in America were armed and trained and funded by Foreign Powers, how would America have reacted?  In fact, even without the groups being funded and trained by Foreign Powers, America enacted Cointelpro and cracked down viciously on protesters.   What if F.L.Q was trained, armed, and funded by foreign powers, how would Canada have reacted?  In fact, during the F.L.Q crisis, Canada enacted the "War Measures Act" and crushed the opposition in question.    This is no different than what Syria or Libya has done in the past.  The only difference is that the world then intervened and brought down the National governments enacting "Regime Change" in those countries when they were only trying to protect themselves and their country. 

Protest is one thing, but an armed opposition and an armed uprising usually needs support from a foreign power in order to be trained and armed with sophisticated weaponry.  The "Occupy Wall Street" movement was a popular protest movement which if supported by foreign powers and the Global Media -could have been used to show America as being a "Police State" and being repressive since the government was forced to detain many of the protesters in these demonstrations.  During the G20 summit in Canada, Canada detained many of it's protesters as well.  Therefore, images and stories that appear one way through the media are often distorted and manipulated by the media, not revealing the whole story so that the narrative created by the media is repeated so many times that it becomes believable to the masses.  Instead of showing opposition forces attacking the government and being "terrorists", the media would show them as "freedom fighters" and portray the government as being "repressive". This is how the media and social institutes distort the truth in reality.  NO GOVERNMENT CAN SURVIVE IN POWER FOR LONG IF THE INTERNATIONAL MEDIA TURNS AWAY FROM THEM and SUPPORTS THE REBELS.  The Media will enable the global masses to protest for action against the "dictatorial" regime and create an atmosphere of intervention by their nations which would allow their nations to intervene on the side of the rebels and topple foreign governments thus allowing "regime change" to occur.  If the media does not get it's way the first time, it will continue to show brutalized images of the war ad nauseum, until a Foreign power invades and enacts a "No Fly Zone" in place, crushing and choking the country at war economically, until the people themselves finally overthrow the government.

Presently it has been reported by the UN that, "Syria Rebels Come From 29 Nations".  These rebels are armed and trained by Intelligence agencies in order to create a facade of a domestic "Popular uprising" existing inside of a country.  The Rebels main initiative is to seek intervention by foreign powers who would enact a "no fly zone" and then actual military intervention in order to topple regimes and bring about "regime change".  These rebel forces then create the new government.  This happens time and time again historically and continues today.  Most of these "popular" and "domestic" social movements and social uprising, first start off through Non-government organizations and Aid Agencies working with youth and the marginalized populations in any country.  These N.G.O'S and Aid Agencies are backed heavily by the Elites and by National Governments.  "How can you called them 'non government organizations' when they all are funded by foreign governments?". This is why NGOs and Aid Agencies are kicked out of countries many times over.  In fact, "Aid agencies have political interests and also have a financial interest in 'finding' abuse, torture, and war crimes. It is, rather the reporting of it, that is their biggest multi-million dollar donation grabber. With this tactic alone, they are able to create jobs, careers, and livelihoods as well as keep their organizations competitive, thriving, and in existence. Therefore, they have a reason to create rage, disgust, and empathy simultaneously. They are glad to pass on to the media -second, and third hand reports of atrocities from groups who have a co-interest in 'branding' their enemies as the 'evil, bad guys'. War always kills civilians, what comes afterwards however, has more to do with politics and finances than altruism and benevolence".  "Nothing is at it seems" when it comes to politics.  What you view through the TV is often the opposite of what is actually going on in the ground.


PREDICTIVE PROGRAMMING
Predictive programming enables fiction to replace fact and unconsciously creates feelings and beliefs in an individual`s mind that were not present earlier.  PSYOPS (Psychological Operations) being committed on the masses through the entertainment sector and through the media enables the vilification of whole cultures, peoples, countries, and races to occur all throughout this process.  Romanticizing of Western people, Western institutes, Western ideologies, and Western cultures is created through the media and through the entertainment sector.  Glorification of military expeditions against the backdrop of the gains made by Big Business is created.  However, the truth is that this formula distorts the actual social, economic, and political reality for the global masses.

This manipulated atmosphere has also allowed for the backdrop of a Technological Scientific Dictatorship to be created in place globally since 9/11. Now, a growing need for drone planes has been created.  A growing need for CCTV systems and facial recognition technology has been created.  A growing need for private security industry firms to be everywhere has been created.  And a growing need for censorship on the internet are on the agenda (which we will get back to) are being implemented on the global public presently.  Historically, many "Top-Down" revolutions occur periodically.  However, people living in that timeline do not realize the shifts occurring.   It is the later generations looking back at the narrative created by Social Institutes that see the shifts that have occurred.   Our present day society has undergone a revolution in the way we view others after 9/11. 9/11 was the watershed moment for Conservatism and Big Business to tighten it`s grip on "Liberal" society and engineer "Top-Down" social, psychological, and emotional changes. Our fears have increased due to the exposure of the media in every facet of society.  The Media, Big Business, and Banks were big winners since 9/11 occurred.


INTERNET CENSORSHIP
The unprecedented Leveson Deal reached in the U.K. in 2013 reveals to the masses that, "Bloggers are ‘caught in newspaper crackdown’ as political parties agreed to the Leveson deal.  Bloggers risk being hit with huge damages under a press clampdown which campaigners warned would have a ‘chilling effect’ on the internet.  Thousands of sites could fall under the ‘dreadfully broad’ definition of who is a publisher in the new regime.  If a website’s work gives rise to complaints and it has failed to sign up to the regulator, it may be liable for exemplary damages.  Freedom campaigners said it could stop bloggers from writing on issues such as local politics or football club corruption.  Index On Censorship chief executive Kirsty Hughes said it was a ‘sad day’ for British democracy, adding: ‘This will undoubtedly have a chilling effect on everyday people’s web use".  In America, the "Computer Fraud and Abuse Act (C.F.A.A) can literally make it a crime for many people to read the news online".  Issues such as Child Porn, Bullying, Porn, and Hackers have enabled National Governments to use "moral" arguments and "benevolent" viewpoints in order to bring about and have the ability to try and enforce Internet Censorship and Internet Regulations on the masses.  For those that think Censorship on the internet is impossible, Censorship is possible because Big Business and the Elites will enable a job sector to be created in a faltering economy which the new generation of unemployed youth will be able to fill.  The youths will be programmed to believe they are doing a "National service" and using their skills and services for a "good cause" and be able to do it willingly and with conviction.  Added to the mix that there continues to be a growing security industry, jobs and training will be created which will enable censorship to occur overnight.  Just like the youths enabled the "Cultural revolution" in China to occur in the 1960's, it will allow Censorship of the Internet to occur

The masses believe because we have Social Media we can fight back and make things go "Viral" and then force change to occur on a wide global scale.  No, that's a farce.  Social media (whether it's Facebook, Instagram, Youtube, Twitter)  will not be used like that once Censorship occurs.  In a "War Economy" you can be charged for treason if you write something subversive or go against the government's narrative of the story.  Though Social media does enable the possibility of it bringing down a government, it's actually being used presently by the masses to do nothing more than stalk each other and indulge in narcissistic vanities.  To make concrete social changes, you need numbers, public attention (which must last more than 15 seconds, and money to force the change through).  When money comes into the picture that is where the Elites and Big Business will hijack it once again and use educated elites to pioneer and direct the social movement  enabling them to take it over and re-direct back towards their own goals and objectives.  Social Media outlets such as YouTube and Facebook are manipulated and censored presently by: (a) being flagged, (b) having "offensive" videos removed, (c) having user profiles removed completely from the services, and (d) having the number of views on any one video altered.  The Elites would not have given you a tool if they knew they could not use it for their advantage.  Social Media is nothing more than a mere distraction for the masses to be amused with.


PRIVATIZATION AND CREATION OF PRISON LABOR AND POLITICAL PRISONERS
With internet censorship in place, Big Business will be able to use present day state apparatuses strictly for their own use.  The "corporate" police, the "corporate" military, "corporate" courts, and already functioning security industry will be used in conjunction with privately owned prisons to create a ready supply of prison labor.  Prison labor will be created to imprison political prisoners and anyone seen as being subversive to business initiatives.  For example,  "The N.D.A.A, an otherwise mundane annual bill that lays out the use of funds for the Department of Defense, has come under attack during the Obama administration for the introduction of a provision last year that allows the military to detain United States citizens indefinitely without charge or trial for mere suspicions of ties to terrorism. Under the 2012 N.D.A.A’s Sec. 1021, Pres. Obama agreed to give the military the power to arrest and hold Americans without the writ of habeas corpus".   Under the guise of the "War on Terror", secret prisons have been created and political prisoners have grown all across the world.  In fact, little known to the masses -the U.S. government already claims the power to assassinate, indefinitely detain or torture anyone in Al Qaeda or “associated forces”. Presently, the American government is close to expanding even that objective and surpassing it by being allowed to target “associates of associates” of Al Qaeda.  In laymen's terms, put simply, it means anybody and everybody is a potential target.  This is how many Dictatorial regimes, the "Salem Witch" trials, and the "Red Scare" operated.  Where your neighbors and friends could become threats to you thus forcing you to modify your behaviors in public in order to avoid arousing suspicion.  More so, if you happen to be a visible minority with ties to a country that has had historical ties to uprisings, "terrorists"/"freedom fighters", and social unrest -you can be detained as well. 

Justice is not blind.  Rather, justice turns a blind eye when needed to.  What it watches, depends on the money being spent inside the court room either on the lawyers  or on the judge himself, or the evidence being gathered by the police in order for a conviction to occur.  During times of Censorship and Privatized Prisons, nothing but "show trials" will be viewed by the public aided by the coverage of the media.  Embedded media reporting will create public opinion in order for a conviction to occur inside the court rooms.   All of this will be done by the media in order to create a state of fear around the accused so that his/her conviction will be able to appease the fears and worries of the masses.  Since prisons will become privatized, information censored, and technology such as facial recognition through C.C.TVs and Drone Planes possible -all of it will be simultaneously used to quell any sort of dissent or dissatisfaction.  

Presently, the medical field has already given the tools needed for social workers and psychiatrists to stigmatize you with certain existing labels such as: "Obedience Defiance Disorder" (O.D.D), "Emotionally Disturbed Person" (E.D.P), and "Generalized Anxiety Disorder" (G.A.D) -among others.  This would make it easier to "form" people and create Mental Health cases where there was none present in the person earlier.  Fear of time away from work and losing pay, fear of job loss, fear of sedation and medication, fear of lost careers and livelihoods, fear of prison time and hospital time, fear of social ostracism -enables the masses to accept things much easier than fighting back.  "Former D.S.M chairperson (Allen Frances) apologizes for creating 'false epidemics'.  Frances chaired the D.S.M-IV that was released in 1994 which he now admits it was a huge mistake that has resulted in the mass over-diagnosis of people who are actually quite normal. The D.S.M-IV, 'inadvertently contributed to three false epidemics -attention deficit disorder, autism and childhood bipolar disorder' writes Allen in an LA Times opinion piece.  He goes on to say:  The first draft of the next edition of the D.S.M, 'is filled with suggestions that would multiply our mistakes and extend the reach of psychiatry dramatically deeper into the ever-shrinking domain of the normal. This wholesale medical imperialization of normality could potentially create tens of millions of innocent bystanders who would be mislabeled as having a mental disorder. The pharmaceutical industry would have a field day -despite the lack of solid evidence of any effective treatments for these newly proposed diagnoses'.  All these fabricated disorders, of course, result in a ballooning number of false positive. As Allen writes:  The 'psychosis risk syndrome' (P.R.S) would use the presence of strange thinking to predict who would later have a full-blown psychotic episode. But the prediction could be wrong at least three or four times for every time it is correct".

Police use discretionary powers.  Doctors use discretionary powers.  The Security and Military personnel use discretionary powers.  Individualized discretionary powers is based solely on one person's perception and having him/her argue why a label/term should be given to an individual.  That is why discretion is a tool that can be used easily against you.  The media then controls the narrative and since Private Investigators, the Police Department, and Intelligence services can easily gather information against you and present it in a way that fits their agenda, many people will not have: (a) the resources to fight it in court and (b) a chance to fight it in court. Courts are evidence based and can be easily manipulated.  Social perception by the individual jury members also enhances the fact it is very easy for a conviction to occur.  Throw in the correct social atmosphere, and convictions and "kangaroo courts" will be viewed as entertainment by the masses.

The masses must understand that all Police Departments operate on a quota system.  This enables police officers to search the streets and roads for "offenders" in every day behaviors in order for them to meet their weekly and monthly quotas.  For example, often times, "speed traps" are set up to catch anyone going over 60 miles per hour (m.p.h) and usually catch people going 75 mph and higher.  During "quota time" speed traps are created to catch people who are going 65 mph.  This is done because quotas enable profits to be made for the government and in doing so, police are given the incentive that tickets will enable them to rise through the ranks and attain higher "status positions" inside the force. This ensures that Police officers will be using their discretionary powers to LOOK FOR offenders. One police officer once stated, "when you go out looking for an offence, it's kind of like fishing.  You just have to throw your fish hook out and you'll be able to catch as many people as you need".

Police and the Security Industry already have the applicable By-laws and Criminal laws in place in order to find ANY type of offence they are looking for and then be able to fine and charge that individual.  Presently, unless it is quota time, they are not given the incentive to do it and it is why many of laws in place are not applied on a regular basis in public society.  However, law (and the fear of law) is what forces people to change their behaviors and perceptions and become socially conditioned to accept the way society is headed in.  This is what historically has enabled whole sale changes to occur in cultures and societies.  Throw in the already existing technology in place, and the use of the media and entertainment sector, and a faltering economy -and you have a climate of fear in place which will enable the privatized prison labor system to grow and to work.  Since the public is dying to be entertained, "kangaroo courts" will do just that.


CHARTER CITIES AND ECONOMIC COLONIZATION
"Charter Cities which are fully owned and run by corporations are popping up now in Honduras and other Third World countries.  It left the Americas in the 1900's but is now an option for ghost towns and broke cities".  Also, another alarming trend is that Economic Colonization is occurring which creates "Special Economic Zones".  Though Special Economic Zones were only established within China, the Chinese government has been buying huge tracts of land in foreign countries such as Nigeria and establishing "Special Economic Zones" in those nations.  According to Dr. Jerome Corsi, a plan being pushed by the Chinese Central Bank would set up "development zones" in the United States that would allow China to "establish Chinese-owned businesses and bring in its citizens to the U.S. to work".  Under the plan, some of the $1.17 trillion that the U.S. owes China would be converted from debt to "equity".  As a result, "China would own U.S. businesses, U.S. infrastructure and U.S. high-value land, all with a U.S. government guarantee against loss".  What this does in the future is that it opens the door for Big Business to control the areas once the Chinese Government goes down in the war.  Whatever you like to accept it or not, privatization of whole areas, nations, and services is occurring surreptitiously.

Essential public services which are currently run by National Governments are presently just "Black Holes"  that absorb money in order to "improve" their services.  However, much of the services in these essential services areas have gotten worse over time.  This is mainly due to the fact extensions, re-vitalization projects, and expansionary work of the essential services involving more money to be put into it.  The price cost given to tax payers at first is often the lowest Conservative estimate given to the National government to expose to the masses via the media.  This enables taxpayers to accept it.  However, the true costs of extensions, re-vitalization projects, and expansionary work of the essential services is far higher than revealed.  More money for technology and more money for staff in order to operate and maintain it's services, drains the government coffers of it's resources.  Therefore, there is always a shortage of money and more money is demanded of the citizens to pay for it.  Eventually this cycle meets an end point when privatization completely takes over.  Instead of using the money for staff as advertised, technology is brought in which in fact eliminates staff.  Instead of job creation, there is job loss -and now people face a privatized service which is completely for profit.

Bailouts, "Pork and Barrel" politics, and Cronyism prevent actually Capitalistic competition from existing   What it instead creates is Plutocracy and Giant Monopolies in place for the Elite and Big Business to continue to extract money from national economies and maintain control over it.  It also means that money and control will be kept out of the hands of the masses by design.  "New Money" will be allowed to the table, but it will never fully be accepted to sit at the table.  Old Money can work with "New Money" but will never see them as their equals.

IN CONCLUSION
Currently, all across the world where housing bubbles have popped up, it is due to the fact that much of the money flooding into the country originally came from rich foreign investors (not domestic investors) who purchased condos, houses, and properties.  This quick injection of money into an economy caused development to occur at a rapid pace and caused the price of those properties and the land(s) to balloon to disproportional and unsustainable levels.  It also created a buying frenzy which engulfed domestic buyers who were purchasing lands and properties at an expedient pace in order to own something for themselves.  This distorted the reality to many citizens living in those respective countries and gave the citizens the notion that their economy was booming.  In fact, it is the opposite.  The economy is busting.  Most economies presently are only being stimulated by foreign investment, government investment, and private individuals borrowing from banks. The "success" of the Celtic Tiger and Gulf Tiger advertised through social institutes and the media were all created by foreign investment in the past and are presently bubbles waiting to explode

This presently, is the social climate that National Governments and the Elite have created for us and made us complicit in.  We must realize and understand this and be able to co-exist and adapt to the system and structure in place.  There is money to be made, careers to be started, livelihoods to be created, and families to begin.  However, do not think you are walking into the same lives your parents did.  The economic situation has changed and the lives of our children will be much more economically difficult than ours.  Though ads sell happiness in order to sell their products and sell happiness in a purposeless, meaningless, empty world devoid of actual purpose or meaning -we must find our own purpose and our own meaning and give purpose to the lives we live.

"It is hard to imagine a more stupid or more dangerous way of making decisions than by putting those decisions in the hands of people who pay no price for being wrong".

"A global government brought into being with lies and deception is a global government that can never allow freedom of speech, thought, or inquiry. A global government brought into being with lies and deception must be the greatest tyranny in history merely to survives its own creation".

"High-Frequency Trading (H.F.T) will crash the Stock Markets.  All H.F.T does is game the system to extract wealth and returns nothing of any value at all to the economy in exchange. 73% of all stock trading is being done with these high speed systems". It creates a Casino like atmosphere in place and just like a Casino, the odds favor the house and those that can manipulate the markets.  Not the "average Joe's" who risk losing everything and going into debt when the Stock Market crashes.  Since the Elite and Wealthy own their own gold and Central Banks, they have lost nothing in the stock market.  What's problematic in the stock market is the fact that, "an Algorithm places an order on the stock market, waits for the order to start to drive up the price, then cancels.   Repeated thousands of times this can run up the price of a stock without actually spending any money".  This is why the stock markets are ticking time bombs used against the masses.  Stock markets are only held together by speculation and algorithms and therefore are easy to manipulate

“The real fiscal crisis comes when our creditors want their money back and we don’t have it”.  When this happens, "Bank Runs" will cause banks to go insolvent and since National Governments have insured banks through "Bail-Ins" that they won't fail, National Governments will now use tax dollars to prop up banks therefore going further into debt and having to raise taxes on their citizens.  This forces governments to bring in Austerity measures and Privatization.

"France who was already suffering from a lack of global competitiveness is now facing the crisis that much of the wealthy business people are also fleeing the country.   Investment in the country is already drying up and the economy has begun to positively implode".  This has caused France to seek the extraction of wealth in other parts of the world.  Countries such as Mali, Libya, Central African Republic -are all countries that France has sent troops inside in the past 3 years in order to allow the militarization of their country and prop up their already weakened and faltering economy.  "Barely two weeks after invading Mali with over 2,000 troops of the Foreign Legion, France has dispatched special forces troops to neighboring Niger to secure uranium mines run by the French state-owned nuclear power company Areva.  This is the first ever use of the French commandos to directly defend the assets of a private corporation.  Military protection of corporate assets in foreign countries, will set a trend, as long as those countries being invaded by foreign armies don't have the will or capability to prevent it".

"The U.N. Security Council authorized a new 'intervention brigade' for Congo on Thursday with an unprecedented mandate to take military action against rebel groups to help bring peace to the country’s conflict-stricken East.  The resolution, which the council adopted unanimously, gives the brigade a mandate to carry out offensive operations alone or with Congolese army troops to neutralize and disarm armed groups. The brigade is unprecedented in U.N. peacekeeping because of its offensive mandate".  The U.N. has also asked to be able to use Drone Planes at their disposable.  What is being created is a Global Army and a new Global political body. "After Chaos comes Order" and this order will be orchestrated about and done by the Elite who have the money in place to create the structure needed for them to consolidate more control on the masses.