Finance and Refinance

During antiquity and middle ages, slavery was common. The strong guy went to the weak guy, slaped his head and suddenly, the weak one, if he wanted to live, become a slave.

Financial Slavery is a modern form of slavery. You don’t need to send the army to fight with the future slave. You don’t have to FORCE people to become slaves. You can only lure them. It’s so easy. We, humans, are so easy to be tempted.

Give us some colored glass and some little bells and we give away our most precious stuff to have them. Our life (or parts of it). HAVE is the most important verb for us, instead of BE. I have a car, I have money, i have a sexy woman, i HAVE. It should be like this: I am proud, I am free, I am happy, I am relaxed, I am smart, I am….

Anyway, financial slavery is the newest and most powerful form of slavery. You make a loan. 2-3-4-5-6 loans. you keep paying loans at a double-triple price. You consolidate, refinance. You prologue suffering.

Financial slavery is very weird. Is based on our stupidity. We want to be slaves. Because we want to sell our future, to buy some happiness. How sad is the fact that most Americans think as fun as shopping? This is sad. People are stupid. Because if everybody would be smart, who would work for us? We need shit-take-care-guys, we need stamp-lickers, etc

Whenever we use a credit card, we are a step further financial slavery. Because there is no such thing as a free lunch. Everything’s got to be paid eventually. So, when you buy colored glass, you WILL spend a large part of your life serving for your masters.

Think. Live. Don’t be a slave. Avoid financial slavery

Have you heard of VIRTUAL BANKS? These are the latest trend in the banking world (well, kind of the latest, if you consider financial crisis )

Well, what is such thing as a virtual bank? An online bank. A mobile bank. A vBank.

What can you do on a virtual bank?
1. open an account (online, of course). However, most of the countries requires some sort of phisical presence of the person and an ID, in order to comply with money anti-laundry operations wordl-wide. Worst case scenario, you only go to the phisical bank. Best case scenario, you open the account online and only online.

2. there are NO minimum initial deposit (hopefully)

3. there are NO minimul deposit limit (in Swiss there are a lot of banks, but they requires some huge amounts to hold in there acounts

4. monthly commision. Well, this only should be zero in an ideal world. Because, if a virtual bank should have lots of clients, should be very affordable for all kinds of people

5. operating accounts should been done through…. you guess correctly… Internet Banking. That means online. In order to be secure, you, as client should have an user/passwords and also a token that generates random 30seconds IDs

6. in a virtual bank, you should be able to receive money in any currency you would like. And to be able to make exhanges to/from any currency. Ideally is to let you do some forex trading, with any platform you want.

7. Virtual banks should be able to provide opportunity to make deposits and move money very easy between acccounts

8. Also a debit/credit card associated with the accound would be nice, corect?

9. Costs and commisions should be as low as possible.

10. Process paypall payments very quicly

11. To be able to set automated payments, if you want

That is my ideal virtual bank picture. I hope I find one cool

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American CreditCard. We, in USA, are the center of the creditcard industry. An industry that told our minds that we DESERVE to spend without a limit, we DESERVE to buy thinks even we don’t have the money.

American CreditCard business is a multi trillion dollar one. And a very lucrative one. It allows people, who usually are stupid, to enslave themselves, spending without a limit. The system is corrupt and the creditcard habit must be reduce.

The capitalism is based on consumption. If we reduce consumption, like this crisis is doing this to us, we suddenly see that we can live very well with only a fraction of what we had before. We don’t need all these stupid stuff, that we were keep buying.

Don’t you think is something wrong when you go shopping just for fun? Or for relaxation? Common. This is a behaviour of a sick society, that put malls and american creditcard in the center of the human universe.

If you search on Google “American Creditcard” you will see zillions of results. Every bank, every financial society have their own american creditcards. Just take a creditcard from us, use it, and we will own a piece (smaller or larger) from your future.

Evil, isnt’t it? And based on our stupidity.

American

I believe that living on credit is not sustainable. Because is false. We are living in a pervert world, where we were tough that creditcard is the answer to all our problems. Using a creditcard could buy us time, happiness, is easy to use, is a social pressure to do it.

But living on credit shows a blossom picture with dark roots.

In the first place, we say that we want credit because it allows us to benefit from a thing now, instead when we are old and we cannot enjoy it (then it will too late). So we go for credit, in the hope to enjoy the effects not, rather then later. This is ok… it seems. But, we are getting bored. And we see that what we bought and mortgage our future is not satisfying us any more. We want another thing, more fashionable, more new, so we mortgage our future even more. And we become slaves. Slaves on plantation.

We will be obliged to spend the rest of our lives pay the credit back, and for what?

Actually, there are 2 types of credits. Those that will make you money (if you invest with higher earnings that the interest that you are paying to the bank), and those who drain you out of the money (when you are buying expenses, that you cannot sell them anymore. In this respect we are buying electronics (with almost zero reselling value), trips, cars, etc. These are pure expensive.

On the long therm, getting a credit will make you pay more then double… Getting a credit will make you a slave.  And everything you do must get paid. You know, there is no such thing as a free lunch

This crisis is about sustainability. And greed. We came here because of credit. … I will further discuss these topics again

I recently saw Zeitgeist, a very powerful movie. I really agree what they are saying there. Banks in the world are ruling the world. Actually, there are some ruling families, that use the banks as tools.

The humans will always want the power. They will look for it. So if we are constantly swearing about banks and about people that are eager for power, we should see this. It’s in our human nature to want more, to wish to thrive.

So, let’s say that all the powerful lasting people will be removed from the face of the earth. Still from the “good guys” that will remains, we will have developing a new category of people, more powerful then the others.

It’s just like a magnet. If we cut down a magnet in half, to have the positive split from the negative, and to through away the negative, the positive site will develop instantly a negative side. So, considering that we will be a happy, perfect society is utopia.

Right now we consider the banks in the world as the source of evil. But is not true. If there will not be the banks, for sure it will be other categories that will take charge of the title of rulling the planet. This is the way it is. And we must live with this.