My Thoughts


1.  The Last Laugh
2.  The History of Modern Terrorism
3.  Planet X
4.  Shariah Law
5.  Banks and Capitalized Interest
6.  The Explanation of Déjà vu 
  7.  Biorhythms and Biological Rhythms 
  8.  On the existence of God
  9.  About the subject of good and evil
10.  Project Blue Beam
11.  The Media and Propaganda Matrix


How banks get away with criminal activity that is considered legal via Capitalized Interest

     I have got to write this because it burns me up the more I think about it or talk about it with others.

     Most of us over 18 have college loans, mortgages, credit card debt, auto loans.  Sigh.  The Bills.  Whimper.  Where's my winning lottery ticket ??

     Those of us working jobs that aren't six figures let alone a decent five figures are scraping by and God help those on minimum wage.  Really, the minimum wage is a joke and a disgrace to most hard working Americans along with the hours or having to work two jobs, etc.  Those of us in this bracket know what I'm talking about.  I've been there and still working my way up the ladder.  God only knows how much is owed to me due to sacrifices I have made in life along with good and bad decisions.

     I'm also ticked off by the words "too experienced", "too educated", "you'll be bored", "we just can't afford to pay what you are worth",  "you do not know enough in this field even though you have a degree in this field", "would you settle for less ?" and more such BS quotes by employers looking to hire those who aren't considered a threat or looking for potential candidates that would be a hefty tax write off.

     Now I'm not against those whom are rich.  Fine.  Born into it or self made, congrats to you.  Just know that I don't bow or kneel down to you, grovel at your feet and idolize you.  You could lose it all and be on the street with nothing but the clothes on your back.  I've been there more than once.  What's more, when you die, you can't take it with you and if you got to answer for what you have done in life, what are you going to say ??  

     There are many of us who would LOVE to be as rich or at the least nominal and debt free.   

     If any one ticks me off it's the banksters right along with the FEDS and corporations that overprice and underpay.  What they do is flat out criminal and it should be outlawed in my humble opinion.  I don't even want to discuss the market, sports or the entertainment industry as a whole.  Just as disgusting and distasteful right along with the news media (I mean propaganda machine).

     Capitalized interest, perpetual war to rake in the taxes, business taxes, employee taxes, fees, dues, garnishments, low wages, etc.  Thieves making money out of thin air (not earning it) and it's getting worse.  It's killing this country on every level.

     Let's take college loans for example.  I'm not against paying for what I owe going to college.  Here's what's criminal.

     Let's say, for example, after I graduated college that I have two loans consolidated at a fixed interest of 9 %.

     Let's say, for example, at the time of my graduation I owe $25,000.00 for an associates degree and that 25K is considered the principle balance at the time of graduation.

     Let's say the first payment is due within a month of graduation and I'm unable to land a job or acquire a job to meet my monthly obligation.  It is then put in deferment for a year with the hopes of getting hired to meet the monthly obligation and maybe have a roof over my head, reliable transportation, good health, food on the table and clothes on my back.

     First year goes by and no luck.  Multiply $25,000.00 times 9 % and it equals to $2,250.00.  Now add $25,000.00 and $2,250.00 together which is $27,250.00.  This is now the new outstanding principle balance that is owed.  Uh-oh.  There's a problem Houston.  The area I reside in has become economically depressed with a wave of job losses and I'm unable to travel abroad due to low income to acquire a good job with a good salary.

     Second year.  Loan goes into deferment for another year.  Take the outstanding principle $27,250.00 times 9 % and it equals to $2,452.50.  Now add $27,250.00 and $2,452.50 together which is $29,702.50.  This is now the new outstanding principle that is owed after the second year.  Uh-oh.  Eruption.  Nationwide job losses, employers not hiring and are downsizing.  Taxes are raised due to eruption of war.  Fuel prices go up.  Minimum wages are stagnant.  Overall market prices are going up.

     Third year.  Loan goes into deferment for another year.  Get the picture ??  This is insanity done by those creating the insanity and it snowballs every year.

     College loans are but one example.  Those with mortgages at variable interest rates suffered just as hard.  Credit card holders (those who used them wisely and unwisely) suffered just as well among other examples.

     Another part of the insanity is selling a loan with the interest to another bank making one total outstanding balance that would have to be paid off.  If one receives a phone call asking if one wants your loan "transferred" to another institution say NO.  The "transfer" is actually a sell making one totally liable for all interest accrued during the life of the loan as well as the loan itself.  The interest would of course not be forgiven due to the "transfer". 


     Capitalizing and compounding interest is criminal.  Perpetual war, overpricing of goods and services along with stagnant wages is criminal.  Usury is not a good thing when done deceptively according to God's law.  This is supposed to be one nation under God, not the banksters, the FEDS, special interest groups or big corporations.  The United States is being ripped off in a great deception and at a great expense.


     Eliminate current interest added on home mortgages, college loans, business loans, credit, etc.  Eliminate variable interest rates;  if there is interest that isn't done deceptively for ill gotten gain it should be under but no more than 10 % of the total loan amount without compounding and capitalizing on it after the first year on any type of a loan or credit.

     For those with current loans or credit, replace the eliminated amount of interest with a one time 10 % interest fee of the total amount of the original loan with no future interest added.  For those currently paying and have met the 10 % along with any left over balance paid in interest towards the amount borrowed, then that left over balance should be put to the original loan or credit amount and deducted from the original amount borrowed with a left over balance to be paid interest free.  If there is no balance remaining then that borrowed amount is paid in full.  If there is any remaining balance left that was paid to the amount borrowed after all deductions and payments, then that remaining balance is immediately refunded back to the borrower.

     If you are educated (even if it is just a GED) then you get the job, make college loans interest free, lower prices on the shelf (goods and services), slash taxes to a minimum standard on all levels, eliminate pork spending to special interest groups, raise the minimum wage to not just a livable standard but a standard to live well, manufacture within the United States by Americans for Americans producing products, goods and services with lasting quality and value that are economically affordable, safe and reliable; eliminate and/or lower imports that have no lasting quality and value that are not affordable, safe and reliable; penalize businesses heftily overseas using slave labor that make products without lasting quality and/or value that are not safe, reliable or affordable and I'm sure there are those out there that could add to this list.  Go with God's laws which are wise. 

     May I also add that it is not the Government's job to create jobs or to be privy to special interest.  The Government's job is to GOVERN justly and fairly in accordance with the Declaration of Independence, The United States Constitution, and the Bill of Rights.  Hence the word government. 

© 2014 JWPJR