Learn about personal finances, and how to build wealth. 

The 99% are the slaves in a "Free Trade" Economy!
The tragedy of the .01% is they don't need anything! 

RICHEST .01%
CAN END POVERTY
4X OVER

!!! THIS The income of the richest 100 people could end poverty 4x four times over.

THE FIGHT FOR CONTROL OF THE WORLD'S WEALTH IS BETWEEN MERCHANTS AND ROYALTY 
 

The very essence of the banking system. To make us all slaves to debt.

Productivity has surged, but income and wages have stagnated for most Americans.

If the median household income had kept pace with the economy since 1970, it would now be nearly $92,000, not $50,000.

2021 $768,000,000,000 defense budget.

Addicted to war: Since 1776, US has been at war 93% of the time - That's 222 out of 239 years!
The U.S. has only been at peace for 21 years total since its birth. Next time a politician says they care about students, think about how many payments you have left. Then this: Total cost of F-35 program, $1.45 trillion, could provide free college to every student in the U.S. for 20 years https://

WHAT IS THE POINT?

"RICH AS HELL"   reveals just how, in the last century and especially recent decades, this consolidation of power has reached a critical point, a point at which our heritage as a democracy is seriously under attack. We are now living in a time in which the system has actually and explicitly become rigged for the wealthy and this book connects just how and why things have come to be this way. This site is a gift to you that is the product of painstaking research to clearly connect the dots about how the power elite in banking have been operating behind the scenes for centuries to fortify power. It is a gift for you to share with friends and loved ones.  

Learn the Amazing Story behind Money, Finance and Chasing Security.

 Mass Incarceration Is for the Masses Not for the Elite ~ Judge Rakoff

2016 “I am increasingly convinced that the federal government and the federal system of justice has somewhat retrogressed over the past couple of decades in its prosecution of fraud, or at least in its prosecution of fraud when it is perpetrated by people at the highest levels of the financial establishment.” 

HELL YES! PIRATES RULE THE WORLD 
And we are still living under law created in the Middle Ages.

If you think the 1% made their money by being honest and forthright you have no idea how business works, you can't handle the truth.

The Middle Ages was the most important period for the intellectual thought that underlies the basic structure of the West. For example, piracy and the early days of territorialization has laid the foundation for our perception of what resources individuals may use to expand and defend their business and interests. The Maritime and Commercial Court, the laws of war, and a whole lot of other things that we take for granted, were formulated back in the Middle Ages.

The definition of "Financial Literacy" is knowing that "Economics" should explain how the world really works and how people get what they really want. Economic theory originates with so called "experts" that is repeated to journalists who in turn "report" this to the public which then morphs into "conventional wisdom".

Through intuition, asking the right questions and gaining surprising new insight we've exposed StateCraft and the connected worldwide cheating, corruption, and crime of the 1%. Learn how to protect yourself against these predators before it's too late.

You'll learn how the top 0.1% (that is the 85 people who own the world) have been able to take advantage of you.
No other entity has ever spent the time pulled this kind of information together in one place. Academics are beholding to Academia, Academia is beholding to business, journalists and media are beholding to business and the branches of government are beholding to lobbyists who in the end makes us all beholding to Bankers. Get the ammunition you need to avoid and get rid of debt. Remember Truth is Knowable, and in the face of the Internet, the 1%'s informational advantage shrinks every day.

The 1% of great American and European fortunes were actually built on the ugly immoral "China"(opium) drug and slave trade, not by the "industrious, moral" behavior propagated by myth makers. There is no evidence that any financial literacy education leads to household well-being or improved behavior from citizens, government or banks.

HOW DID the
stock market 
collapse START?

Lewis S. Ranieri (born 1947) with a Bachelor of Arts in English in 1986 became a bond trader, and founding partner and current chairman of Ranieri Partners, a real estate firm. He is considered the "father" of mortgage-backed securities, for his pioneering role in their emergence in the 1970s, during his tenure in Salomon Brothers, where he reached the position of Vice President.Although he was named by BusinessWeek in 2004 as "one of the greatest innovators of the past 75 years", he started what became the subprime mortgage crisis of 2007-09. "Ranieri's job was to sell those bonds—at a time when only 15 states recognized MBS as legal investments. With a trader's nerve and a salesman's persuasiveness, he did much more, creating the market to trade MBS and winning Washington lobbying battles to remove legal and tax barriers." Ranieri also declared that "mortgages are math," hiring PhDs who developed the collateralized mortgage obligation, repackaging mortgages into more attractive bonds.
Better Markets, a nonprofit pro-financial-reform watchdog, has estimated that the final price tag for the 2007-08 crash will exceed $20 trillion in lost gross domestic product.

"How much of that shitty deal did you sell to your clients?" Goldman Sachs Hearing

Watch the Motherload of their biggest hits!

"When the dust settled from the collapse five trillion dollars in pension fund money ,real estate ,value 401k comma ,savings, and bonds had disappeared. 8 million people lost their jobs six million lost their homes and that was just in the USA"
~ The Big Short

"Only that in the entire history of Wall Street no Investment Bank has ever failed UNLESS CAUGHT in criminal activities so yes I stand by my Bear Stearns optimism." ~ Barry Miller

THERE IS NO RISK! 

Because the Attorney General Holder Memo states that no one will prosecuted!
So of course it's rigged that no bank in the history of wall street was ever caught since they were never prosecuted and found guilty!! Then he retires from his AG position and returns back to his form wall street employer - the revolving door is rigged to NEVER prosecute Wall Street - THEREFORE they are NEVER CAUGHT!

Goldman Sachs was top donor in 2008 got $1Tn in 2009 QE 1&2 from Fed and no jail.
2016 Under Obama corporate prosecutions have dropped even as number of cases referred for prosecution has risen. 
Federal data showing that prosecution of white-collar crime has hit a 20-year low.
That was driven by a 29% decrease in such prosecutions in just the last five years!!!!!

1/14/16 Goldman Sachs Will Pay $5B to Settle Financial-Crisis Claims AND Dodd-Frank is named after one guy who now runs a corporate lobbying group, and another guy who is now on the board of a bank. #America. 

Goldman Sachs' chairman and chief executive, Lloyd Blankfein, announced the deal. Goldman Sachs in $5.1bn deal over bond mis-selling. The deal stems from an investigation into Goldman Sachs' securitisation, underwriting and sale of residential mortgage-backed securities (RMBS) from 2005 to 2007. Goldman Sachs is one of several banks that have been fined billions of dollars for marketing RMBS as a safe investment in the run-up to the financial crisis. The sale of RMBS played a significant role in the 2008 crisis. US banks have taken much of the blame for granting mortgages to unqualified borrowers, then repackaging those loans as safe investments and selling the risk on to others.

SWINDLER
ERIC HOLDER

Eric Holder didn't send a single banker to jail for the mortgage crisis. Is that justice?

2016 Eric Holder’s longtime excuse for not prosecuting banks just crashed and burned. 
His excuse, which he made again just last month, was that Justice Department prosecutors didn’t have enough evidence to bring charges. The report — the result of a three-year investigation — shows that aggressive attorneys did want to prosecute HSBC, but Holder overruled them.  In September 2012, the Justice Department’s Asset Forfeiture and Money Laundering Section (AFMLS) formally recommended that HSBC be prosecuted for its numerous financial crimes. 
Holder's DOJ fails to prosecute banks for money laundering, but use civil forfeiture to take small business' money. Another example of the duplicitous behavior of the Obama/Hillary Political-Economic Complex. Clinton foundation received up to $81m from clients of controversial HSBC bank. @EricHolder went to the same law school as Director #Comey.

When the dust settled from the collapse five trillion dollars in pension fund money, real estate, value of 401k savings and bonds had disappeared. 8 million people lost their jobs six million lost their homes and that was just in the USA

Of the 1%

for the 1%

by the 1%

99 HOMES  America doesn't bail out the losers  

 "America was built by bailing out winners -  by rigging a nation of the winners for the winners by the winners" 

Millions of people have been foreclosed upon in the last three years. In most all of those foreclosures, a regional law enforcement office -- typically a sheriff's office -- was awarded fees by the court as part of the foreclosure settlement, settlements which of course were often rubber-stamped by a judge despite mountains of perjurious robosigned evidence.

That means that every single time a bank kicked someone out of his home, a local police department got a cut. 
Local sheriff's offices also get cuts of almost all credit card judgments, and other bank settlements. If you're wondering how it is that so many regional police departments have the money for fancy new vehicles and SWAT teams and other accoutrements, this is one of your answers.

Goldman Sachs finally admits it defrauded investors during the financial crisis

Settles on FIVE BILLION SETTLEMENT - NO EMPLOYEE HELD ACCOUNTABLE APRIL 11, 2016
$5.1 billion to settle a lawsuit related to its handling of mortgage-backed securities leading up to the 2007 financial crisis. Another bank fine where calculation not explained,no one goes to jail, investors pay through share price. They will merely send a cut of profits from long-ago fraudulent activity to a shakedown artist, also known as U.S. law enforcement.

The big players are still big. U.S. banks, which are subject to thousands of pages of new rules to prevent them from becoming too big to fail, are more globally dominant than ever. In the first quarter of 2015, JPMorgan Chase was No. 1 in equity and debt capital markets as well as loans, both in the U.S. and globally, according to Dealogic’s Global IB Strategy Review. Goldman was No. 1 in global mergers and acquisitions, leading the business in the U.S., Europe and the Asia-Pacific region. The world’s top five banks were all U.S. institutions, the first time that has happened in the first quarter since 2006. 

Since the financial crisis began in 2008, approximately 5.7 million properties have completed the foreclosure process, and stories like this begin to answer the critical question of what happens to all those homes. While many are resold, too often they fall into disrepair, creating blight that drags down property values and turns communities into potential deathtraps, attracting not just mosquitoes and mold, but crime and tragedy.  According to expert reports, this neglect occurs disproportionately in communities of color, part of a disturbing pattern. While the Supreme Court has reaffirmed the ability to use the Fair Housing Act to challenge discriminatory effects in neighborhoods, the nation’s neighborhood layout looks more segregated than ever, exacerbating the racial wealth gap. 

Don't know much about history?

John Oliver Rants Brilliantly About Income Inequality and the Deluded 'American Dream'
We have widest wealth gap since the Roaring '20s. "Nothing ominous about that." Why have so many Americans have willingly gone along with policies that so clearly favor the tiny 1% over the the vast majority of suckers, American optimism, Oliver says. It's sweet, but in this case, wrong.  It's time to get real.

1. Baby boomers, born 1946-1964
2. Generation X, born 1965-1978 will begin turning 50 in 2015
3. Millennials, born after 1978
4. 2014 Census American paychecks fall to 1995 levels as poverty continues to sweep US,
5. One in five US children live in poverty. Child poverty rates in the US are comparable to those in India.
6. Americans are currently earning as much as they were in 1995 when the median household income was $51,719.
7. The number of 18-29 year olds who consider themselves lower-middle class has doubled since 2008 reaching 49%.
8. 2012 The 1% Gets 93% of the Growth From the Recovery
9. 2015 Half the world's Wealth is in the hands of the 1%. For the first time, there are more individuals in the middle classes in China – 109m – than the 92m in the US.

Class Warfare

1% is above the law

"Outsiders can say whatever they want," Larry Summers counseled Elizabeth Warren, "but insiders don’t criticize other insiders."

Rep. Jason Chaffetz (R., Utah) guaranteed to FBI Director James Comey during a congressional hearing that the FBI will have a referral within hours to investigate Hillary Clinton’s past statements under oath on her private email server. What about the Clinton Foundation? “I’m not going to answer that,” Comey said video.

IT'S ONLY ABOUT THE HAVES AND THE HAVE MORES!

2009 ELIZBETH WARREN

The Revolving Door Two Democratic presidents in a row have picked senior officials who came straight from Wall Street and soon went back to Wall Street. During 2009 and 2010, when drastic overhaul of a calamitous financial system was possible and necessary, and a Democrat was newly in the White House just as Franklin Roosevelt was in 1933, it was the influence of those officials that kept reform modest and preserved the business model of the big banks. Warren is looking for firm commitments that Clinton would not be the third Democratic president in a row to hand the top economic and financial portfolios to Wall Streeters.
 What does Summers want? He has held every top economic policy job except chair of the Federal Reserve, a career-capping post that was snatched away from him when the nomination proved toxic to Senate liberals, led by Warren—

What every institution and leader needs to develop is a human strategy. We want to matter to people, We must help the 99% develop into the people they were meant to be. And we hope  they’ll reward us by sharing this knowelege with friends, give us their lasting respect, enduring trust, and undying gratitude.  

2016 The top 10% of families, with an average of $4 million per family, held 76% of total wealth.

U.S. family wealth totaled $67 trillion in 2013. But slices of that pie were far from equal, according to a report released Thursday from the Congressional Budget Office. The top 10% of families -- those who had at least $942,000 -- held 76% of total wealth. The average amount of wealth in this group was $4 million. Everyone else in the top 50% of the country accounted for 23% of total wealth, with an average of $316,000 per family. That leaves just 1% of the total pie for the entire bottom half of the population. The average held was $36,000 for families that fell in the 26th to 50th percentiles. But if they fell in the bottom quarter, they had zero wealth and in fact, were $13,000 in debt on average, CBO found. Age and education made a difference in wealth accumulation. Not surprisingly, wealth was higher for households headed by someone 65 or older. Median wealth for these families was $211,000, or almost three-and-a-half times higher than the median for households run by someone 35 to 49. Families run by adults with college degrees, meanwhile, had a median wealth of $202,000, or nearly four times that of families headed by someone who only had a high school diploma.

Poverty Wages

THE MASSES ARE THE
SOURCE OF GROWTH
AND PROSPERITY,
NOT THE RICH 1%. When workers have more money, businesses have more customers—and need more employees. If businesses paid workers a living wage rather than poverty wages, taxpayers wouldn’t have to make up the difference.  The fundamental law of capitalism must be: If workers have more money, businesses have more customers. Which makes middle-class consumers, not rich business people like 1%, the true job creators. Which means a thriving middle class is the source of American prosperity, not a consequence of it. The middle class creates rich people, not the other way around.  States That Raised Minimum Wage See Faster Job Growth

Rich people have been falsely persuaded by schooling and the affirmation of society, and they have convinced themselves, that they are the main job creators. It’s simply not true. There can never be enough super-rich Americans to power a great economy. A rich person earns about 1,000 times the median American annually, but doesn't buy thousands of times more stuff. Henry Ford knew this and raised the minimum wage so that his workers could buy what he produced which created a middle class dream! DUH!

"In 1980, the top 1 percent controlled about 8 percent of U.S. national income. The bottom 50 percent shared  about 18 percent. Today the top 1 percent share about 20 percent; the bottom 50 percent,  just  12 percent. The problem is that inequality is at historically high levels and getting worse every day. Our country is rapidly becoming less a capitalist society and more a feudal society. Unless our policies change dramatically, the middle class will disappear, and we will be back to late 18th-century France. Before the revolution. ​No society can sustain this kind of rising inequality. In fact, there is no example in human history where wealth accumulated like this and the pitchforks didn’t eventually come out. You show me a highly unequal society, and I will show you a police state. Or an uprising. There are no counterexamples. None." <source>

Inequality

2015 $15 minimum wage
The United States has one of the world’s largest pay gaps, with chief executives earning nearly 300 times what the average worker makes, according to some economists’ estimates. That is much higher than the 20-to-1 ratio recommended by Gilded Age magnates like J. Pierpont Morgan and the 20th century management visionary Peter Drucker. Under a financial overhaul passed by Congress in 2010, the Securities and Exchange Commission was supposed to require all publicly held companies to disclose the ratio of C.E.O. pay to the median pay of all other employees, but it has so far failed to put it in effect. Corporate executives have vigorously opposed the idea, complaining it would be cumbersome and costly to implement.

Mr. Price said he wanted to do something to address the issue of inequality. Emotional Happiness rises with income, but only to a point. And that point turns out to be about $75,000 a year. Mr. Price surprised his 120-person staff by announcing that he planned over the next three years to raise the salary of even the lowest-paid clerk, customer service representative and salesman to a minimum of $70,000. 
http://www.nytimes.com/2015/04/14/business/owner-of-gravity-payments-a-credit-card-processor-is-setting-a-new-minimum-wage-70000-a-year.html

ACADEMIA

EduShyster’s Best Interview Yet, Explains the Point of Education Reform. 

"America’s Highest Paid Government Workers" -- that is, the CEOs of corporations that make billions by taking control of public services like education.

Ed Reform Privateers corporatizing the public education commons

Is Walmart helping poor kids get a better education by swelling the coffers of the Walton Family Foundation, which generously funds charters and vouchers across the nation?
No, the agenda of the biggest and richest corporate lobbies in the country, it’s impossible to conclude that they want to see the full flowering of the potential of each little kid in poor cities.

Millions from the Broad, Fisher and Walton families are lining the coffers of each of the ed reform canadate Super PACs. There is no question that hunger exists in America and I have little trouble believing that hungry children would be sub-optimal learners. Note the hipocracy of the Walton familiy who refuse to pay the worker 15.00 an hour so that there was enough money to feed the family and take them off of citizen supported food stamp money. The Waltons are a parasite on American famlies.

However document after position paper after industry patter all confuse association with cause, asserting “proof” where in fact what is presented is little more than an article of faith. Worse, in an abundance of false certitude Secretary of Education Arne Duncan cites as justification for serving breakfast to students inside their classroom, a “study” that elevates a different set of concerns and conclusions altogether.

Student Loan Debt

Student loan debt has more than doubled since 2007, and it is estimated at about $1 trillion by the Consumer Financial Protection Bureau (CFPB) – second only to mortgages as the largest form of consumer debt. The average debt among 2012 college graduates was nearly $30,000, and the CFPB states that this increased student loan debt has created a "domino effect" which is preventing young adults from buying homes, starting businesses, and moving out of their parent's homes. In 2014 we have 65 year olds whose social security checks are being tapped to pay off the loans these folks took out for college in the 1970's and they are not helping their children pay off their college loans. We have a nation of slaves to college debt.

A message for the .01% filthy rich

A message for the .01% filthy rich, who live in gated bubble worlds:  

It won’t last. The truth is coming. Capitalism left unchecked tends toward concentration and collapse. It can be managed either to benefit the few in the near term or the many in the long term. The work of democracies is to bend it to the latter. That is why investments in the middle class work. And tax breaks for rich people don’t. The most insidious thing about trickle-down economics isn’t believing that if the rich get richer, it’s good for the economy. It’s believing that if the poor get richer, it’s bad for the economy.

Paradox of Thrift John Maynard Keynes:

An essential and enduring insight of Keynes is that what works for a single family in hard times will not work for the global economy. One family whose breadwinner loses a job can and should cut back on spending to make ends meet. But everyone can’t do it at once when there’s generalized weakness because one person’s spending is another’s income. The more people cut back spending to increase their savings, the more the people they used to pay are forced to cut back their own spending, and so on in a downward spiral known as the Paradox of Thrift. Income shrinks so fast that savings fall instead of rise. The result: mass unemployment.

THE PLUTOCRACY OLIGARCHY ELITE RULES

Authorities KNOW banksters have been colluding to move currency rates and have rigged everything but the only punishment  for banksters is a fine.  They know this is just a cost of doing business -  a drop in the bucket - while they continue on another day. They own the politicians - never go to jail - so nothing changes.

Example: US, Swiss, and British civil authorities fined those banks and others $4.3bn for failing to stop traders from trying to manipulate the largely unregulated $5tn-a-day foreign exchange market.  The foreign exchange benchmarks under investigation are used by asset managers and corporate treasurers to value their holdings, which run into the trillions of dollars. The fines brought total penalties for benchmark manipulation to more than $10bn over two years.

Fortune 500

IT'S ALL THEATRE State of the Union 1948 (4:13)

MADOFF FOR EXAMPLE

Their crimes involved ongoing and systematic deception; for years, they repeatedly lied to investors, regulators, auditors, and banks," the government said in court papers. "The defendants - all of them - falsified literally millions of pages of documents and engaged in a series of almost comic efforts to further the fraud. "Ordinary people and sophisticated investors alike relied on documents created by the defendants - all of them - in making important life decisions. Some people retired because they thought their money was safe. Others bought a home. All of them lost everything. Charities collapsed. University endowments shrank overnight. Pension plans ... lost millions upon millions. Any one of these five defendants could have stopped it decades ago. Instead, they chose to personally profit," it said. Prosecutors say all five deserve stiffer sentences than Madoff's brother, Peter, who received a maximum 10-year sentence after the one-time compliance director for Madoff's firm pleaded guilty to charges. They said Bonventre and Bongiorno were the most culpable of the five because of their "40-year involvement at the very heart of the fraud." They said Crupi, who joined later but "took on an active and ambitious role," was next while the computer programmers were slightly less culpable than Crupi. Defense attorneys are requesting leniency, with some saying incarceration is unnecessary

Edwin Sutherland explained 75 years ago in his presidential address to sociologists that announced the concept of “white-collar crime,” the police typically do not enforce laws against the massive white-collar crimes committed by elites.

Mark Blyth, professor of international political economy at Brown University, echoes: "We don't really do capitalism.

"So to think about banking you can run a business model which is an extortion racket against the taxpayer. If the risks [go wrong] you can't be allowed to fail so you have a brilliant business model. That's not capitalism - that's extortion. I think capitalism is a great idea. It's just that the version we end up with isn't capitalism."

Ha-Joon Chang agrees. He is the author of 23 Things They Don't Tell You About Capitalism. With a title like that, you just know that he thinks we've been labouring under a misapprehension: "Over the years I have come to the increasing realisation that when people talk about capitalism or inequality or whatever, they do this on the basis of a huge range of myths that they think are facts." bbc.com/news/business-30378297

THEY DON'T NEED MORE MONEY

SO WHY DO
THEY DO IT? 

TO CONTROL
THE FUTURE!

THE ELITE [WHITE SUPREMISTS]

OPIUM DRUG SMUGGLING PIRATES STILL CONTROL THE FUTURE THROUGH THEIR FOUNDATIONS

From its early decades, the Order has concentrated much of its efforts at establishing, controlling and, in some instances, capturing the major tax-exempt "philanthropic" foundations of America with the assistance of these powerful White Shoe Law Firms.

Contrary to what decades of political science research might lead you to believe, ordinary citizens have virtually no influence over what their government does in the United States. And economic elites and interest groups, especially those representing business, have a substantial degree of influence. Government policy-making over the last few decades reflects the preferences of those groups -- of economic elites and of organized interests.

WHY?

One central factor is the role of money in our political system, and the overwhelming role that affluent individuals that affluent individuals and organized interests play, in campaign finance and in lobbying. And the second thing is the lack of mass organizations that represent and facilitate the voice of ordinary citizens. Part of that would be the decline of unions in the country which has been quite dramatic over the last 30 or 40 years. And part of it is the lack of a socialist or a worker's party. princeton-scholar-demise-of-democracy-america.

The Real Reason Richer People Marry 
Historical census records shows that social class differences in marriage have been tied to the extent of income inequality among white Americans for at least 130 years. They also suggest that commentators who insist that the marriage gap is wholly a matter of values are almost surely wrong.

SO WHAT GIVES A DOLLAR IT'S VALUE?

What counts for leaders and institutions today isn’t “How loyal can we compel, seduce, or trick our customers into being?” It’s “How loyal are we to our customers?" Do we truly care about them as people, as human beings?

Policy AND Statecraft

SHOWS PROOF 
of Strategy

Is this a  "A Conspiracy Theory"? No. It is not a theory.

The Banks want everybody "banked".
That is the term used to convince everyone to bring  their money into a bank and get an account set up. Then the bank will also try to explain and sell their products to you which is how they make most of their money. Our own government has become cloaked in dysfunction, while the real power brokers remain hidden from view, and benefit from the ignorance of the masses.

conspiracy theory 

When someone in government  labels it  "Policy" and or calls it  "Statecraft" then you Can Show Proof of Strategy. 

"We no longer have permanent principles, but permanent interests, which we pursue to the exclusion of all else."  ~ Lord Palmerston, British Prime Minister at the time of the Opium Wars

Strategy shows collusion among politicians which is not theoretical but an actual conspiracy.The above example of English policy and statecraft is exactly how America behaves.

2015 Research shows nations really do go to war over oil. 
No, it's not about peace.  Marine Smedley Butler was correct all along.
Countries highly dependent on oil imports would never send their world leader before the U.N. and say they’re sending in the tanks because their country needs more oil. Such interventions are usually portrayed as serving directly non-economic goals such as preserving security, supporting democratic values, or more generally promoting human rights.
Oil-independent nations don’t go to war. There is empirical evidence that U.S. troop deployment and military aid provokes an expansion in bilateral trade flows. Wars are indeed economically motivated. 

MEDIA LITERACY
and

Information
control

THE OFFICIAL K-12 FEDERAL RESERVE CURRICULUM  FAIL TO INCLUDE . . .

The Definition of "Financial Education" is actually all about behavioral concepts BUT nothing scares a politician more than an angry mob. 

• How Investment Banks Caused the Financial Collapse of 2008 and how they will be able to continue the same thing in 2014

• How The Wealthy Decide the Purpose of a K12 Education

• How the Financial Literacy Curriculums in K12 Education is concocted by Banks.​​

SEE FOR YOURSELF -- Evaluate the Official Story we get from the Federal Reserve.

The History of the Control of Information: 
Democratized Media has wrenched control away from the hands of the "official" STORYTELLERS and the sources of print and broadcast corporations. Let's begin to explore the history of making money in America which leads to the answers.

#FYI  By 2000 Rupert Murdoch's News Corporation owned over 800 companies in more than 50 countries with a net worth of over $5 billion. 
In July 2011, Murdoch faced allegations that his companies, including the News of the World, owned by News Corporation, had been regularly hacking the phones of celebrities, royalty and public citizens. He faces police and government investigations into bribery and corruption by the British government and FBI investigations in the US. On 21 July 2012, Murdoch resigned as a director of News International. Los Angeles Cardinal Roger Mahony anointed him and his wife as members of the Pontifical Order of St. Gregory the Great in January, 1998. This knighthood, bestowed on behalf of the pope, is given to persons of "unblemished character" who have "promoted the interests of society, the Catholic Church and the Holy See [Vatican].

Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders by James D, Scurlock​ on youtube
Maxed Out takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage that spans from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of "preferred customer" and tells us why the poor are getting poorer while the rich keep getting richer. Hilarious, shocking and incisive, Maxed Out paints a picture of a national nightmare which is all too real for most of us. Great for college students.

Elizabeth Warren On Bankruptcy is a life event

The Money Trap BBC Documentary on How Banks Control the World Through Debt
https://www.youtube.com/watch?v=v6O03D_dOYo
Apr 11, 2013 A senior executive blows the whistle on the banking industry's usurious lending tactics.
This documentary reviews some of the profligate and predatory lending practices of the high street banks in the years of the credit boom which preceded the financial crisis. Indeed this documentary is in a sense chilling given what happened during the global financial crisis; i.e. super easy credit, high pressure to make money, huge incentives for banks to lend easy money. The documentary reviews the sales and marketing tactics, how banks benefited from the lending splurge, and some of the fallout e.g. debt related suicides. This documentary should serve as a case study in banking regulation; not just in terms of procedural regulations but also in terms of higher level macroprudential regulation to curtail excessive credit growth, particularly during unsustainable credit booms. See also (the US version): Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders The Banking Code Standards Board is to investigate The Royal Bank of Scotland (RBS) after Panorama investigated debt-related suicides.

WATCH  Steal This Film II from Robert Scott Curliss - The History of the Control of Information

We need information to survive. Americans believe it is our right to know. Independent Researchers like Anonymous are the only defense we have against the official information. You depend on the ability to pursue knowledge because it may save your life one day.