The Awesome story behind Money, Finance and Chasing Security

​​"RICH AS HELL" tells the complete story behind money, finance and chasing financial Security. We want to help parents, and all educators discuss Financial Literacy with their students and family.

Since the collapse of the USSR and the rise of China it has become glaringly obvious that capitalism does not require democracy. Or even benefit from it. Capitalism as a system may well work best in the absence of democracy.

Find out how the 1% of great American and European fortunes were actually built on the ugly immoral "China" (opium) drug and slave trades, not by the "industrious, moral" behavior propagated by myth makers. There is no evidence that a K12 financial literacy education leads to household well-being or improved behavior from citizens, government or banks.

This curriculum expands your experience of financial literacy by providing exclusive information and links to first historic person resources, videos, pictures, and original research. We have created content with 6 archetypes of learners in mind: teens, parents, teachers, academics, and "conspiracy theory" enthusiasts, journalists, and government.

While we may have some negative comments about the .01%, our subscribers are empowered and positioned to be among the 1% best informed on earth! This content has Strong 1st person voice, ideally suited to& invite adult conversation.

SAME AS IT EVER WAS

From 2008 -  2016 Nothing Changed

INFO TAKES THE SHAPE OF IT'S CONTAINER

2015 In February, federal prosecutors began a 90-day examination to determine whether to bring cases against individuals for their role in the 2008 financial crisis.  

The deadline for that inquiry passed last month, with the Justice Department failing to hold any individuals accountable for their crimes. Instead, the DOJ announced that it would allow five megabanks to plead guilty to felony fraud charges related to rigging of the foreign currency exchange market — but would not prosecute a single individual for wrongdoing. Once the government makes the decision to prosecute, it's often to the fullest extent of the law unless, of course, you head up a megabank.  Since the financial crisis, which began with fraudulent loans being made to unsuspecting homeowners and continued with the sale of fraudulent mortgage-backed securities to unsuspecting investors, not one individual has been held criminally responsible. Yet, we continually hear about "record-breaking settlements" with the banks over their criminal behavior, behavior that apparently is being committed by everyone and no one. ~ Maxine Waters

THE 1%

THE  62 PEOPLE  whose names are listed !! 

have the same amount of wealth as half the world's population & their net worth has jumped 44% in 5 yrs: an Oxfam report shows wealth is becoming further concentrated, with the number of people owning the same amount as the bottom half of humanity falling from 388 to 62 in five years. The richest 62 people jump by 44 per cent in five years to $1.76 trillion. In that time, the wealth of the poorest 3.6 billion people plunged by 41 per cent. Oxfam said the growing problem of tax avoidance and use of tax havens was a prime example of how the economic system was "rigged" in the rich's favour and must be stopped.

The web  can deliver all the 100's of pages with links that can be updated and current, allowing you to to fact check these stories for yourself. A website is alive and can be updated on a daily basis when something new happens or a mistake has been found. You'll find all the videos with the actual people telling their story to you first hand, and the pictures of people and places immediately shown so you can see who and what is being discussed for yourself!! The web lets you sink your teeth into every little bite/byte that you need to know at your own pace - slowly, giving you time to wrap your head around the information.

Q: WHO HAS HOW MUCH OF AMERICA'S WEALTH?

YOU CAN BE PART OF THE 1% BEST INFORMED PEOPLE ON EARTH.

Of course the online curriculum meets K-12 core state standards; however if you want to go beyond mediocrity -- this will take you there!

The financial services industry, has a huge economic interest in keeping you financially illiterate.

Financial journalists, brokers, and Banks who write, speak or teach about personal finance get an F. It's was only after we suffered a catastrophe did they report that they "now know" about what happened - but it's too late for you or me. Total Fail!

We don't want Jargon. This curriculum will explain everything in plain English. We own the language therefore we own the conversation.

Administrators, Teachers,Parents and Students are encouraged to use both the online reference material in any way that fits the particular needs of students in K-12, K-16, Graduate School and beyond.

We have created content with 4 archetypes of learners in mind: our precocious teens, parents, K-12 Teachers,  Academics,  and "conspiracy" theory enthusiasts.

The Official U.S. Federal Reserve Financial Literacy Curriculum Meets the K12  Core Curriculum Standards . . . Research shows "Statecraft" = proof of strategy!

BUT WHAT DOES THE OFFICIAL FEDERAL RESERVE CURRICULUM FAIL TO INCLUDE?

1) Did you know that the 1% wealthiest families in the U.S. got their start as Slaving Opium Drug Smuggling Pirates?

That is a fact.

RICH AS HELL  Material  provides: 

 First person accounts
 Pictures, News Reporting Videos 
 Free books, PDFs
 University libraries 
 Newspaper reports
 Research and analysis

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Q. What is Your Personal Reason to become Financially Literate?
A. To have a Better Life!

Yes - you do deserve that. We all Do.

What caused the subprime mortgage crisis? Not our math skills!

October 16, 2009 EVEN Harvard University, the world’s richest school, paid almost $500 million to investment banks to escape interest-rate swaps that backfired, according to the school’s annual report. Harvard paid $497.6 million during the fiscal year ended June 30 to get out of $1.1 billion of interest-rate swaps intended to hedge variable-rate debt for capital projects, the report said. The university in Cambridge, Massachusetts, said it also agreed to pay $425 million over 30 to 40 years to offset an additional $764 million in swaps.
AND WE ALL KNOW THAT HARVARD CAN DO THE MATH!

Never mind the banksters handing out the loans or the ratings agencies rating derivatives with an A++ whose own math skills were so subpar they apparently couldn't figure out that a pile of subprime liar loans do not a Triple A Rating make.

Never mind the mortgage brokers for firms like Countrywide Financial, who encouraged wannabe homeowners to exaggerate their earnings. Never mind the legions of people in the financial media who urged everyone to buy a home just as soon as they could, even if they were in mounds of debt and couldn't come up with even a minuscule down payment. 

Valerie Strauss showed the international comparisons of high school students' math skills put the United States in last place in 1965 and in the 1980s. Here's the paradox. During that time, as our math skills declined, we did not have a mortgage crisis so severe that it almost imploded the world economy. So the odds are pretty decent that a paucity of math skills did not cause the current crisis. Otherwise, it would have occurred much, much sooner.

When you have the responsible citizens who were there at the time auditing bank deregulation and telling congress what was going wrong! you can bet you don't want banks and politicians responsible for financial literacy curriculum in school.

 

WALL STREET WANTS "FINANCIALIZATION"

The Definition of Financialization is - The tail wags the dog!

One defines it as "a pattern of accumulation in which profit making occurs increasingly through financial channels rather than through trade and commodity production."
Great Krippner of the University of California, Los Angeles

The other defines it as "a process whereby financial services, broadly construed, take over the dominant economic, cultural and political role in a national economy." (Kevin Phillips in his 2006 book, "American Theocracy.")

Rather than Wall Street serving the real economy, Wall Street has enslaved it.

What is financialization and what's the harm in it?
 

[... If financialization is left unchecked, America will lose its competitiveness ... ] and will slowly transform into a society that may more resemble a caste.

Robber barons at least built great infrastructure for America, such as railroads, while Wall Street titans are practicing financial warfare through financialization which ultimately leads to world domination. In the end, these "hedge funds" which are the multinationals will break the economies of every nation and leave nothing of value for people around the world who have everything to lose. The harm of financialization is that Crisis is a natural state of affairs for financialization since the problem is never solved."

WE MUST
REFORM BANKS

2013 Michelle Greene the deputy assistant secretary for financial education and financial access at the U.S. Treasury Department still hasn't done the one thing that will fix the problem and that is reform Banks. 

From Bankrupt Banker  Mr Wheatley published his report into Libor interest rates which called for sweeping changes to the way they are calculated in the wake of attempts by traders at Barclays and other banks to fix them. He said the roots of this and a string of other financial scandals came from "a deep, dark period" between 2005 and 2008. "That was a horror period in terms of what we are discovering today in terms of the way people were abused in their financial services. A lot of the things we are dealing with today: Libor, payment protection insurance, interest rates swaps all of them go back to that period."

U.S. WALL STREET BANKSTERS

Elizabeth Warren asks - When have you brought them to trial?

Learn how Investment Banks deliberately create market volatility to pad their wallets.

"Special Interests" bought off the SEC their Vote Lifted the Ban on Hedge Fund Advertising!

Learn How Lobbyists Buy Politicians
The Senate, is the final arbiter of the distribution of the enormous prosperity annually created by the American people.

Senators are promised their tax break proposals will be kept secret for 50 years. 7/24/13

Jon Stewart Vs Jim Kramer

Jim Cramer Snake Oil Salesmen: How Legal Hedge Funds Play Games 
Jim Cramer explains how HE manipulated the stock market and what tools were used to make things go his way. It is very revealing and apparently legal. 

YOUR TAX DOLLAR
AT WORK

Help Yourself
The Working Committee for the President's Advisory Council​
Free downloads courtesy of your tax dollar

• Consumerfinance.gov
• USA.GOV Promotions
• financialeducation@cfpb.gov

2013 Consumer Financial Literacy Survey, which tracks Americans' attitudes and behaviors related to personal finance.

• Insufficient savings tops the list of financial worries, with 43 percent most worried that they don't have enough stashed for emergencies, and almost that many (38 percent) worried they'll retire with inadequate savings. In fact, a whopping 31 percent say they currently save nothing for retirement.
• Other top financial worries include fear of losing their job (18 percent), and not being able to afford to buy health insurance (19 percent), pay credit card debt (13 percent) or repay student debt (8 percent).
• When asked where they learned the most about personal finance, the largest number (33 percent) said from their parents or at home; yet nearly four in five adults (78 percent) agree that they could benefit from advice and answers to everyday financial questions from a professional.