Archives

Changing The System

I have had two periods of major financial difficulty in my life. One was right after kundalini when I was pretty much unable to work or to function normally at any level. The other was after my divorce from Jim when I was taking care of my mother and her end-of-life affairs. My income dropped precipitously in both these periods because I was unable to work enough hours to produce the income I needed.

In that first period of difficulty, bill collectors were calling, sending threatening letters, even coming to the door to try to bully me into giving them money. At first, I tried to avoid or dodge them. When their persistence began to be insulting, or they acted like I was stupid, or even belligerent, I began to stand up for myself and try to talk with them. Sometimes it came to an argument; sometimes I hung up on them if they became nasty. After all, you can’t get blood out of a stone.

One day, after many months of harassment, I snapped at one of the bill collectors and demanded that they stop calling unless they had something useful, helpful, or productive to offer. Then I hung up rather abruptly. When they called back a week or so later, they had an offer. They would cut the balance due in half if I would pay something on a regular basis. They wanted $25 a week, I offered them $2. That was a stretch for me, but I felt I could honor it. They agreed, cut the balance in half, and I began to pay my measly $2 every week. With a $1500 balance, I was looking at 750 weeks or 14 years of payments. However, within several months, I was able to increase it to $3 a week, then $5, then $10, and I kept increasing the amount until it was paid, long before the 14 years was up. Lesson #1 – don’t allow financial hacks to badger you. Stand up for yourself!

In the second period of difficulty, my accounts were at Consumers’ Credit Union. I thought they would be easy to work with if I ever got into trouble again. That was an illusion. They were not. When I did not have enough for my monthly mortgage payment, they simply froze all my accounts. I was furious. They made a difficult situation much worse than it needed to be. Lesson #2 – don’t have all your eggs in one basket. Open accounts at several banks.

The situation with Consumers’ was all the more maddening because I had tried to work with them in an upfront manner. I had called them, told them I was taking care of my mother 2-3 weeks out of the month, and was having difficulty making enough money to make the mortgage payment. I wanted them to move a couple of payments to the end of the contract, or perhaps allow me to pay interest only. They held all the cards and simply froze my accounts…two business accounts, one personal, and one savings.

The day I went into their office to deposit a check and discovered the accounts could not be accessed for any kind of transaction, I was stunned. I had the bank clerk call the mortgage division and get my ‘account handler’ on the line. He turned out to be a young, arrogant kid. I demanded that they unfreeze my accounts. He demanded that I bring my mortgage up to date. Voices rose. I was standing at the counter in the bank lobby and there were a half-dozen people in line behind me. I didn’t care. I ended up shouting at him, demanding to know how old he was. He said he was 21. I accused him of being a snot-nosed kid who didn’t have any experience in real life. I accused him of betraying my efforts to work with them, and then shouted, “Your day is coming, my friend. You are gonna get into difficulty with money somewhere along the line because that is the way life works and you have to make hard choices. You’re gonna be in financial difficulty someday and I hope you remember this moment because I’m not going to abandon my mother just to make some stupid mortgage payment. In fact, you can take your payment schedule and shove it!”

I nearly threw the phone back at the clerk, gathered my purse and papers, and stalked out of the credit union. A few people were appalled, but one guy in line was clapping. I was too angry to care what anyone thought.

The next day, I hauled myself and my aging mother to the credit union corporate offices. I asked to see the head of the mortgage division. Surprisingly, he and his second in command came out to greet me. I explained that I wanted to work with them, that I wasn’t going to abandon my mother, I wasn’t going to abandon my obligation to make mortgage payments, and challenged them to come up with something that we could both live with.

They patiently explained that they had rules. I pointed out that the rules were man-made and could be adjusted at their discretion. There was quite a bit of polite argument going back and forth. In the end, they said they would not harass me if I would just not go 90 days overdue. At 90 days, their rules required that they initiate foreclosure proceedings. They said I would get one call each month to ‘remind’ me about the payment and ask if I was going to make it. They said they would appreciate a true answer from me so they would know what was happening at my end. I honored my end, even though my credit score dropped into the toilet, something that upset me tremendously. Lesson #3 – Don’t let your anger with the system run away with you and don’t back down. Do your best to work something out and then honor the agreement. That agreement can always be changed as needed. Both sides have to give a little.

The young man assigned to me started out calling as agreed. He was a little snippy at first. At my end of things, a series of miracles was happening. My ex-husband made a couple of payments. An elderly couple I knew asked me how I was doing with my farm. I said I was probably going to lose it. I explained that I was two months behind with the mortgage. They called back the next day and said they wanted to give me the money to catch up. After an excruciating debate within myself, I swallowed my pride and took it. My brother-in-law came along and gave me the payment for another two months. Then someone else offered to make a payment. Then a client who had died left me enough money for another couple of payments. Then another gift, and another… Lesson #4 Believe in miracles and the goodness of people who care about you.

Every month for 19 months, a small miracle happened. I never knew where the money was going to come from. Usually it came in at the last moment. One month when my financial handler called to ask me if I was going to make the payment, I said I didn’t know. He then launched into a high-nosed lecture about needing to honor my debts. I interrupted him loudly.

“Look, my friend, I have not been making the payments for my mortgage. Someone else has been making the payment. Every month I panic, and every month that money comes in from somewhere. I never know where it’s coming from, so don’t bug me! The monthly miracle is coming…it’s just not here yet!” After that, each month when he called, he cheerfully asked, “Have we had our monthly miracle yet?” Lesson #5 – Know that the system is made of up real people who really want things to work out.

In January of 2013 my mother died and I was free to make more money. I caught up with the mortgage and have been doing fine ever since. I have never regretted the time spent with my mother. If it had been up to me, I would have had her live for years longer than she did. Evidently, 86 years was enough for her.

There are so many issues in our face these days. There’s the election circus, of course, and then the Monsanto monster, the factory food fiction, the vaccination outrage, the chemtrail catastrophe, the pharmaceutical deceptions, the financial manipulations, the façade of democracy, the educational disaster…and many others.

You cannot expect the system to change to something you want it to be unless you take a stand regarding those issues that affect you directly and personally. This is how a system changes. You are not helpless, so don’t act as if you are. There ARE lessons to be learned on all sides, but each lesson learned benefits all of us. Corporations are not distant, impersonal, inflexible structures. Changing a corporation is painfully slow work, but it must be done…and the most powerful change does not come through the courts, it comes through one-at-a-time-face-to-face interaction. Just remember this: Corporations are characterized by intelligent people who go to work in them to make a living – the same thing you are trying to do – and who want to make things work. Act as if you are dealing with a human who is listening, whose consciousness can be raised, and who may report your input at some future meeting being held to make corporate operations smoother. You just might learn that we are all trying to make life easier and better for ourselves.

Ideology and Idiotology

I have concluded that we do not have an ideology, we have an idiotology. Ideology is defined as:  “A system of ideas and ideals, especially one that forms the basis of economic or political theory and policy..”

According to Louis Althusser, ideology “can be described as a set of conscious and unconscious ideas that make up one’s beliefs, goals, expectations, and motivations.”

Our current idiotology is based on belief in:  the Capitalist system, the Male-dominant system, Wars forever, Progress based on debt, Failing to Feed people, Medicine that causes health problems, Education that constricts consciousness, Business that competes, Allowing 1% of the people to own everything, Destruction of the environment, Religions based on rules made up by humans, Monsanto et al.

 

 

 

High Stakes

Years ago, after revealing mind-blowing scenes of our future, the Robes said to me, “You are to stay out of the tear down. There are teams in place that will take down the old systems. You are on the build-up side. You are needed to help guide in creating the new systems.”

I noted their comment, and thought, “Yeah…okay. No problem.” I didn’t think anything about the comment at the time. I just noted it. But over the years, especially the last ten years, it has been really hard to stay out of the tear-down. The combination of comprehensive input from the Robes, my natural and highly practiced intuition, the discipline to read widely, and the ability to recognize whole patterns with a tiny drop of information have made it excruciating to remain silent about so many things.

A friend wrote to me shortly before the Climate Conference in Paris and asked if I agreed with an email making the rounds about the conference being a façade for a meeting of the New World Order and a sinister plan to bring in global governance and collapse in December.

I wrote back:

”No, I don’t think I agree. I think we have to go past the paranoia about a New World Order. If we can’t come together as one, we’re left with the old order, which is rotten to the core. Nations are over. Oil is over. Corrupt banking is over. Pharmaceuticals and Monsanto and our current form of education are over…or maybe I should say those things have had their heyday and now something new is rising.  The “dark” team is faltering. The “light” team is running neck and neck, and it’s picking up speed. I even see signs they are pulling ahead. Yes, there are problems…especially with the awful surveillance going on, and the staggering debt we have. All of this will have to be dealt with. But I see the Paris meeting of all those leaders coming together to finish off the Cabal. There’s been a vicious war going on for some time now to take down the Cabal, and many countries are working together to accomplish that. They might succeed, they might fail, and they might do a half-assed job, but at least they’re in agreement that the Cabal and its corruption has to end. It’s a start.”

The stakes are really high right now. Even if the financial system falls, even if Turkey and Saudi Arabia go to war against Syria and Iran for a while, even if there are half a dozen more false flag shootings in an attempt to get Americans to give up our guns (I’ll say more about this later), hold the vision and make choices that lead toward a world at peace. The Paris conference demonstrated clearly that we are all together at the heart level in a very big way.  Millions of people are poised to help one another out if the financial system falls. Foolish wars end quickly. And the only reason the Cabal wants us to give up guns is so that we can’t shoot them when we finally recognize the murder, fraud, lies, and double-dealing they have perpetrated.

Be wise like a fox. Work cooperatively within the system if you have to but keep your eyes open for places you can make a difference. Be yourself. Take calculated risks. Do something new. Look more deeply at the propaganda that is presented as news and figure out what is really going on. Listen carefully for clues that the people around you are seeing and understanding what is happening. Talk about the future, not the past. Be excited about change. Be bold in your thought and feeling. Give yourself the gift of acceptance for Christmas this year.

Merry Christmas!

Interest, Pimps, and Prostitutes

I keep hearing warnings about the economy. This morning another article about the auto loan market came across my desk. The total amount of debt people have taken on in order to have a car to drive is now over $1 trillion, an all-time high. Economists and analysts are critical of lenders who gave out loans to people with poor credit scores (below 660). If the economy takes a nosedive, a lot of those loans may go into default.

But here’s the thing…When you set up a system in which all the things people need for survival cost money, people are going to do whatever it takes to get money. When you set up a system of zoning laws in which your house must be built in a residential area, and all the jobs are in industrial or commercial zones a long distance away, you make cars a necessity. Cars are a tool for getting money, not an optional luxury. When you set the price of a car, knowing full well that people NEED cars, and you gouge them with interest payments so that they end up almost paying for two cars, they should be allowed to keep the physical one if they default on the loan. The loan company can keep the illusory second car and whatever interest they made. Getting people to pay interest is based on the idea that we don’t need to produce anything real, we just have to find someone with a need and squeeze them a little so that they produce for us. It’s a lot like the business of prostitution. People who charge interest are like pimps. They force others to work for them and hand over part of their wages. People who pay interest are like prostitutes. They sell their time, effort, and energy doing something they really don’t want to do because they need the item or tool. 

Money and Trust

If you were an alien being standing just far enough away from Earth to watch the events going on every day, you would see billions of people trading things back and forth among themselves in order to make sure that everyone has what they need. You would see that in some places life is quite simple (say…rural Indonesia) but most have what they need, while in other places (say the U.S.), people think they need much more than they actually do, and as a result of this, those people really work hard at getting things for one another. You might notice that a few areas really don’t have what they need, but overall, most true needs are met.

From your point of view as a watcher of all this, you might marvel at the amount of collaboration going on all over the earth, especially in those places where big group projects are being worked on. You might also notice lots of people dealing with some imaginary stuff called money, and if you didn’t understand or believe in money yourself, you might wonder why they bother with money when it’s clear they are all plenty busy making sure that the participants in their world have the real things that they need.

It is fairly well-known and documented that the dollars we use to transact business among ourselves are not backed by anything “real.” In other words, the dollars are printed and distributed to everyone, and then we all pretend that they have great power. We use them to buy milk and bread, gas for our cars, shower gifts for a pregnant niece, a boat, or a house. This is the equivalent of playing the game Monopoly®, but we don’t seem to see that it’s a game. We really believe in the dollars and their power. We believe in these dollars and their power so much, that we have even moved them into abstraction as imaginary dollars inside a debit or credit card. But what is that power based on? It is based on trust.

We go to work every day trusting that at some point in the near future, someone is going to give us money for showing up. We go to the store, get our milk and bread, and hand our debit card to the clerk. She swipes the card through her machine, hands us a receipt, and we leave the store…leaving the store merchant to trust that some dollars will now be moved into his account so he can go and get what he needs. It is the same at the gas station, your local dentist office, your favorite restaurant, or your own small business.

Our financial system operates 100% on trust. If it crashed and there were no dollars available, could we continue to operate on that same trust? Could we just keep making an effort to make sure that everyone is taken care of and has what they need? Wouldn’t we be surprised to discover that if the money went away or was cut sharply, all of the trust, the resources, the cooperation, and the willingness to help one another are still there and still exquisitely real?

It’s a Paradigm Thing

I haven’t been able to think of much else besides what may be coming toward us. So I thought I would plant a few seeds in general consciousness about how to begin thinking through the issues that may arise.

Let’s say the banking system goes down for whatever reason. The banking system is one small part of a much larger paradigm. Other parts of the paradigm include our food, our houses with their mortgages, our legal system, our education system, transportation, communication, and religions – to name a few of the more basic parts. Now let’s go a step further to say that the banking system provides the grease that makes the wheels of our current paradigm run smoothly. If the banking system goes down, then our entire paradigm comes to a halt.

This means that people must not be forced out of their houses just because they can’t make their mortgage payments. We should not try to enforce one aspect of the paradigm, such as the legal system or finance laws, when the banking system isn’t working. If the banking goes down, the whole paradigm goes down. The paradigm should be fixed first. Trying to enforce isolated parts of a paradigm without taking into account the whole thing would amount to gross injustices.

When a paradigm falters, there may be things that must not go forward – such as evictions, and things that must keep going forward – such as water, food, gas, heat, and communications. What is needed for life should be the basis of any paradigm, and foreclosure is not necessary to continue life.

If we should get into tough times, it will be important to think clearly and outside the usual sets of limitations. We may have to rethink the entire paradigm. So it probably wouldn’t hurt to start now, just to get a leg up on the situation.