The Single Most Important Issue Facing America

I've read over all of the comments on facebook, twitter, etc. It saddens me that most widely miss the mark.

Government corruption, and its complete capture, by those that they are supposed to regulate, is the single most prevalent issue. It goes deeper and is far more complex than a stupid sound bite or a one sentence explanation.

Signers of the U.S. Constitution

After the repeal of the Glass Steagall act, financial institutions were allowed to merge cross platform industries. Retail banks could merge with commercial and investment banks. They argued that when the economy was good, the population invested in the market. When the economy was bad, they saved. In order to allow a one stop shop, they wanted to merge the two. Some senators and congressmen immediately saw that this would create monolithic entities that would crash the system, but no one listened.

Let's go back even further to understand today. The banks put out propaganda saying "the banks don't want your house, they want your payments." During the 1800s the banking community was a bit more overt. They passed around a "memo" saying, "if you mess with the banks we will crash the economy and buy all the property up, pennies on the dollar." Fast forward 100 years, and guess what happened? In fact, they have done this over and over and over.

Also remember, they finance the wars, they finance the crashes, they finance the middle-class slipping into the lower-class, they finance the democrats, they finance the republicans. Only a fool looks at our system and thinks there is someone somewhere who is honest and pure and just isn't being listened to. No politician is paying attention to you. They are being financed.

The american citizen is under direct assault. They are financing your freedom right out the door.

Anyone saying anything other than the economy is the single-most important issue, is a fool. This is america, the dollar is king. Yes it can buy happiness. It can buy power. And, with enough of it, it can buy freedom.

I'm amazed no citizen groups have pooled their money to finance and float their own candidates. You call yourselves adults? Don't you realize what's going on?

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Lies About Home Prices

Your House is Not Worth More

Read any newspaper, magazine or watch on TV and you will hear it over and over again, home prices are climbing.  Now, pay attention here.  This is exactly what they said all the way up to 2009.  The crash had already started in 2008, but for some reason the media kept saying how prices were rising.  In fact, they quickly kept saying that we were out of the "recession", although it was and still is a full fledged depression, already in 2009, although it had not even begun to get to the ugly part.

How the Government Sees Your Home

The truth of the matter is real estate is a gamble just like everything else in the world, that involves money.  Also, the real estate market has had major crashes every 10-15 years.  It is covered up quickly to keep people in the dark and somehow not aware of the empty houses next to them.  This depression was no different, only that it bled over onto wall street due to the high end banks twisting it up so much into their bottom line that they couldn't recover, that is without steal tax payer money.

The federal reserve bank has crashed the system over and over since 1913, and this time is no different.  When several banks were about to go under, on the high end, they simply crashed the system and forced the bank to steal tax payer money and blame it on home buyers.  Yet, they told the media to keep spreading the lie that real estate only goes up.

The truth is, real estate is not an investment at all, i.e. generates money for you, unless you rent it out to someone.  Owning real estate has never made money outside of rental revenue.  Owning your own house does not make you money.  People are amazed at how much money they get when they sell their house they have had for 30 years.  They are completely ignorant of the fact that the dollar has fallen 5000% over the past 30 years.  So if the dollar fell 5000% over 30 years, they are actually coming out behind.  They marvel that they can get half a million for their house, but forget that butter is 50 times what it was just 15 years ago.  They ignore that gas has increased every 3 months.

You are not and will not make money on your house.  The only way to make money on a house, is if you touch it for 1 week and sell it at a hefty profit after that week.  But then, that's not an asset anyway.  Everyone wants you to think that your home is an asset.  An asset generates money.  Unless you are renting out your house to other people who pay you monthly, your house is not an asset.  Paying your mortgage and upkeep does not make your house an asset, it makes it an expense, just like your car or your kid.

How People See Their Home

You literally have to have rental property to consider real estate an asset. People do not understand nor consider that the government allows you to take a deduction on your home every year, from your taxes.  The government understands that your home is going down in value, not up.  However, this hasn't been shown to the public and they do not understand it.  That is because the media insists on posting fake reports showing how home prices are going up and new home sales are going up.

The real sinister plot is, in those averages are included such bizarre things as million dollar purchases, which can so skew an average as to throw it off for years. Imagine if trump came to your city and bought 3 commercial buildings and 3 home which he converted to commercial property.  The local news would report that as average home prices going up and commercial real estate purchases going up.  There maybe thousands of real estate deals changing hands back and forth and foreclosures everywhere, but those 6 deals wiped them all out and skewed the numbers.  Would the newspaper point that out? No.  Because the local realtors and insurance companies want people to buy buy buy.  The banks want you to take out a loan for your home.

Do you know that 40% of all homes are still paid for with cash?  In fact that number is inching up to 50%.  This means the banks are being ignored nearly 50% of the time when the largest purchase, most people will ever see in their life, is made.  Do banks influence the news?  Of course it does.  Is it cheaper to build a house today, than it was 30 year ago?  Of course it is.  A brand new home built today, costs 30% less today than it did 30 years ago.  Why aren't you seeing home prices dropping on new homes?  Because it is the best scam going.


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Don't Complain About Being Broke When You're 100% in Debt

Being 100% in Debt

Fact: you can save money, and purchase a house with cash.  Fact: you can save money, and purchase a car with cash.  Fact: you can save money, and furnish your entire house with cash.  Fact: you do not need to move out of your parents house... EVER.  Fact: you do not need to buy a car every 3 years.  Fact: you do not need the latest iphone.  Fact: you do not need a credit card.  Fact: you do not need to go into debt or take out a loan... EVER.

I bet you never hear that.  I bet you only see or hear people say what the "American Dream"™ is.  The truth is the "American Dream"™ has been overtaken and redefined by corporate america. I bet you only hear, that living in a house and taking out a mortgage is "normal".

Imagine if noone had a mortgage?  We wouldn't have had a housing bubble to burst.  Imagine if all notes on homes were carried by the owner of the house, without any bank interruption.  Instead of being upside down in a house with outrageous interest rates, you'd be in a much better house, that you'd take legal possession of from day one, with a very low interest rate, if any.

But, people buy into the lie that is the current Consumer Economy™ and think that they have to put their neck on the chopping block and live the Lifestyle.  What's worse, is that people buy into this lie and then complain when they figure out that they cannot afford it.

You have only yourself to blame:

• when you buy a car every 3 years. 
• when you take out a loan to buy a house
• when you take out loans to purchase major appliances
• when you take out a loan to furnish your house
• when you buy the latest iPhone
• when you buy the latest video game
• when you buy the latest laptop
• when you buy the latest fashion
• when you eat out daily
• when you buy ready made food
• when you waste water and electricity
• when you do not help less fortunate than yourself

The US is not in a recovery.  The government is feeding you a line to make sure you stay in line, purchasing.  The government is  feeding you a line, to make sure you vote them back into office.  The government is feeding you a line, to make sure you vote republican / democrat.  The government is feeding you a line, to make sure you don't revolt at them unconstitutionally sending troops into a country's civil war.  The government is controlled by wallstreet and you are being fed line after line to believe in the government.

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For Blacks: Be Your Own Boss

Starting Your Own Business

( Pictured below are all African Kings, most are very much alive. Wonder why you don't see them in the news? )

You will never get ahead being the employee of someone else.  Well, unless that is of course you work directly for Bill Gates or some situation like that.  However, I am fairly positive, noone who works for Bill Gates reads Shakaama Live.  I could be wrong, but being a perfect being, I know I am not wrong.  It stands to repeat in another way, en employee is someone that a person hires so that they do not have to work as hard to make THEIR money.  Let's put it another way.  You are making someone else wealthy by getting hired on to do a "job".  Understanding the dynamics of what a job is, is the beginning of understanding how the rich get richer.  Once you understand it, then you can turn around and do it yourself.

What is Trade?

The entire concept of the market place is based upon trade.  It is a simple concept, really.  I make cakes and you buy them from me.  You make shoes and I buy them from you.  It used to be that everyone used precious metals to trade with, once we did away with the bartering system.  But, gold and silver are in short supply in the world and the big greedy bankers came up with a fake money system [but that's a story for another time]  Long, corruption, story short, we now deal in currency and not precious metals.  So you give me money for my cakes and I give you money for your shoes.  We all come out fairly equal.

See what happun was...

Someone got the bright idea that instead of them physically standing there selling cakes, they could hire some lackey to stand there for them.  Then they went a step further.  They came up with the bright idea that instead of them baking the cake AND standing there selling them, they could hire one person to bake the cakes, and another person to sell the cakes.

Well with all this free time, they could then go open up a pie shop.  After the success of the cake shop, the pie shop was a breeze.  They didn't have to make a whole bunch of money off of each cake, because now they could buy all the ingredients from someone else and have their employees make them money.

Along came a thing called a revolution.  After the dust was settled and people didn't want to listen to kings and queens any more they wanted to own their own land.  See, before they didn't own their own land.  The duke or lord owned all the land.  Yeah so after that was over, people were supposed to own their own land.  Well, as luck would have it, the dukes and lords didn't take kindly to that and thought that perhaps they could just keep the land and charge people rent or sell them land.  People went for it, for some reason.  I don't know why.  I mean they did fight a revolution to get from under the very people they now agreed to give their money to.  Thus the landlord was born.  Instead of him being a duke or lord, he was now called a landlord.

The landlord gig is quite an impressive way to make money.  You basically have nearly nothing to do but collect money.  It's a fantastic way to sit back and make money.  I don't know why everyone doesn't do it.

Not to be outdone, the banks [yeah the corrupt ones] did not want to be put out of the game.  So they plotted to be the middle man between the landlord and the tenant / buyer.  They got the bright idea that they could ask the landlords to jack up land prices and then offer credit to the tenant / buyer.  The landlords, of course, loved the idea.  So they tripled land prices overnight and banks then advertised that they would offer credit to ... wealthy people.

Wait!  What?

Yeah, credit wasn't such a big hit for EVERYONE.  I mean, who in their right mind would lend money to a poor person.  It just doesn't make sense right?  So they gave credit out to all the wealthy people.  The whole idea of jacking up the price of land sort of backfired.  You see what they had wanted to do was get in between all the landlords and the buyers.  But, poor people were never offered credit like rich people.  Poor people still bought their land directly from the landowner.  For a couple of centuries then, poor people were immune from banks.  Banks didn't give credit to poor people and poor people were not at the mercy of horrible stories of banks coming for poor people.

See wha happun was...

Someone got the bright idea of giving poor people credit.  Why? Because poor people do not understand credit.  Credit, as it goes, is a fairly new concept anyway.  And, poor people were never historically given credit.  So, if you offer credit to a poor person, you can explain it however you want him to understand it.  The basics of the idea is that money is lent to a person just for having a good reputation.  That money lent is done so at interest.  The payback is the money lent plus the interest.  Well, there are a million ways to go about those 3 steps.

What's ridiculous is, being a landlord does not require a bank.  Yet, people think that it is the only way to be a landlord these days.  The old way of buying land directly from a landlord never "went away".  You simply have to remember that banks wanted to be included inside of that "trade".

His Majesty Otumfuo Osei Tutu II, king of the Asante people of Ghana

Now, what's a real tragedy is that landlords offered to rent properties to people.  So everyone fought in these revolutions to not be under dukes and lords and yet they turned right around and started renting the very land they fought for.  Selling off parcels of land is not such a bad idea.  You fight the revolution, and the land has to be distributed somehow right?  Buying it from the duke or lord is as good a system as any to distribute that land.  Renting land is just ... well it's just stupid really.

Let's fast forward to 2008 in the U.S..  Prices of homes fall to such a degree that people are going crazy.  But, wait, this is what the home values SHOULD have been.  So now you can buy a home directly from a landowner for about $500.00 / month.  Yeah the landowner carries the note and you PURCHASE the land, like everyone used to do.

Now, if you're smart, you'll buy a few homes yourself and rent out to people more stupid than you.

So, we got you hiring folks for a pie shop; hiring folk for a cake shop; and renting to idiots that don't know they can buy land from people directly.  If you're working for someone else, you are trading your time and energy for a fraction of the money you could be making.

Going to college and business school is simply making yourself a bigger target for getting a job to make someone else richer.  I am not advocating not getting an education, but I AM advocating not wasting your or your parents hard earned money and 4 years of your life JUST to make someone else richer for the rest of your life.  If you're going to spend money on college, it should be to get a business degree on how to START your own business.  It is time out for Black people to tell their OWN children to go to college to get a degree to get A JOB!!!  No other race tells their children this.  None.  Only Black people say this to their children.  It is a shame and a tragedy.

Think for one second.  You tell your kid to pay for college and then spend time there just so he can get a damn job working for someone else, for the rest of their life.  Are you really that stupid?  That is not how to GET AHEAD.  You want your children to get ahead of you don't you?  If you don't you shouldn't be a parent.  You should shoot yourself in the head before you have kids and bring the rest of us down.

I'm just sayin *laugh*  [ I do not condone suicide ]

This is how you can be your own boss.

Any questions?

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Are You to Blame for Our Runaway Government?

The Government Relies on Your Participation

Script



Scenario #1 - You just turned 24 and graduated from college.  You secured a job with a 50 year old firm as an entry level manager.  You move to the city.  You pay your first and last month's rent, plus deposit.  You have a moving company move your meager college level  furniture into your new apartment.  After meeting several girls and inviting them over, you decide to trash all of your furniture and just furnish out the entire place in rent-a-couch furniture.  You eat out every single day and night.  You finally meet a girl you like.  She doesn't like the city and you get a promotion to super peon manager step 2.  You end the furniture renting contract.  And, you go put a down whopping 2% down-payment on a house and put an entire house's worth of furniture on your credit card.  You take out a car loan, since you need a car to commute to work now.  Two kids later, you're enrolling your first-born into soccer and have to get a second job to pay for all the extra expenses.

Conclusion: the economy crashes and you lose your job, both jobs.  You lose your house you've been paying on for 2 years, because you now have negative equity in it.  Your car gets repossessed although you were a few months shy of paying it off.  You look up to the heavens and wonder where you went wrong.

Scenario #2 - You graduate from high-school with a C average.  You go get a job down at the steel mill working opposite shifts as your dad.  Your parents are alright to live with, but you dream of moving out one day.  One day your dad turns to you and asks you have you thought about where you want to live for the rest of your life.  That night at the kitchen table all of you, mom, dad, brothers and sisters, all discuss what would be the best place to live.  Your dad says there is absolutely nothing wrong with the little town you're in right now, but if you want to go see more that's fine too.  Your mom would like for you to go see other places a bit before settling down.  Your kid brother, the genius, brings a print-out of all the places and cities around the country of where the best jobs are and how long it has been that way.  He also brings a print-out of home prices and commute times to the city.  Your sister makes remarks about schools and kids.  Finally your dad says you should get a house with land on it, so you can always grow much of your own food on it, like you have right now.  So even if things go bad, you will always have food.  After much thought you do exactly that, after saving up for buying a house and buying a car full price.  You move to the city, the entire family helps you move and even helps you plant your garden / mini-farm.  You buy a small house, and furnish it with heirloom items and some other items you buy second-hand.  You get a job working construction just outside the city about 2 miles from your house.  You meet a lady and get married.  Two kids later, instead of soccer, they are tending the farm, and learn about plants and animals.  You never eat out, and your wife doesn't have a job.  She tends to the farm when you're not home and sells any extra produce on the front lawn when it's in season.

Conclusion: the economy crashes. But, you're an independent worker to begin with so you don't lose your job.  You don't lose your house since you bought it outright. Your don't lose your car since you bought it outright. You look up to the heavens and wonder when is it going to rain next, so the tomatoes can bloom.

In each scenario the jobs are of course different, but also the person's approach is different. While people are very hesitant to living, what they feel is, a backwards lifestyle, when the system crashes, they go down with it.  Way down!  While the person who is still tied to the earth might not live the jet-set lifestyle of a penthouse playboy, they also have a much more worry free life.

The government now is in bed with business.  The two are so intertwined that the business of government is now the government of business.  50% of all policy and government laws is geared to assist business, not govern people nor do the job that they were created to do, protect people.  But, the government only gets away with any of this, if you participate in the scam.

Scam #1 - CREDIT: credit is the biggest and largest systemic scam out there.  You are barraged daily, not just with the message of borrowing and spending, but that having good credit, to begin with, should be your goal for a happy lifestyle.  The message goes beyond just having credit, to the point that you should be so ingrained in the credit system as to assist yourself in it, by upping your "credit worthiness".  Financial planners now advise you how to get better credit.

-- STOP --

It's all a lie.  You don't want credit at all.  Your participation in the scheme is what they want.  Noone presents you with an alternative.  Now the average adult would say, oh everyone should know that, but in practical speech, 70% of adults are never confronted with even the possibility that you don't have to participate in the credit charade.

Credit cards launched a massive marketing campaign to not only get people involved in credit, but banks even started issuing  credit cards down to a local level, so that the entire system, top to bottom was saturated with the credit doctrine.  Stores launched their own credit cards.

But, it is all a lie.  You do not need credit.  Hell, even a debit card is not something a savvy person should use.  The person, adult, that knows anything about money, knows that you will never personally leverage yourself enough to have a winning side in the equation of banking and credit.  That means, that the message of use credit so you can have a better lifestyle now based on a fraction of the cost, is a losing position to have.

Use of borrowed money to increase production volume, and thus sales and earnings. It is measured as the ratio of total debt to total assets; greater the amount of debt, greater the financial leverage. Since interest is a fixed cost (which can be written off against the firm's revenue) a loan allows a firm to generate more earnings without a corresponding increase in the equity capital requiring increased dividend payments (which cannot be written off against the earnings). However, while high leverage may be beneficial in boom periods, it may cause serious cash flow problems in recessionary periods because there might not be enough sales revenue to cover the interest payments.

Here's the part that gets you, as a person, tripped up. Your leveraging, credit, does not generate you any income.  Even borrowing for a house or car, never generates money for you.

Scam #2 LOANS - taking out loans is a new thing.  There is still a very large percentage of the population that saves up money and buys a car in cash, or a house in cash, or all of their home furnishings and appliances in cash.  Noone is telling you this, because they are on the take and in on the scam of loaning you, your own money.

Here's the promise.  You take out a loan and you can buy far more house than you ever could, if you saved up.  It is completely and utterly untrue.  If you ever set aside the amount of money, in total, that you pay for the amount of time that you spend in a house, you would always come out ahead in savings, to loans.

Let me help you with the calculation: [ warning this might be forgetting some things ]

• loan
• down payment
• impound and taxes
• home insurance
• 3% to seller agent and 3% to buyer agent
• title insurance
• mortgage insurance [FHA]
• lender points for doing loan
• loan origination fees
• escrow fees

Now add in the devaluation of the dollar over that time period too.

If you saved that same amount of money for that time period, let's say 15 years, you could buy a house twice as expensive as the one you took out a mortgage for.  THAT is what everyone is trying to make sure you don't realize.

Americans used to save up and buy a house.  Or, better yet, live in the same house and the father and mother pass it on to the kids, while they are alive or when they die.  Americans also did not kick their kids out at 18.  This is more of the inner city phenomenon.  I have no idea when it started, but it has no logical thought behind it, nor no financial logical thought behind it.

The best possible thing to do as a parent would be to have a savings account for each and every child you have and put funds into it very single month.  Your child would even be better served by you taking that money and buying them a house with some land, at 18, than paying for their college.  If you did it right, you could have enough money for both school and a home.

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Attention to Detail

God is in the Details

One of the severe drawbacks of working paycheck to paycheck is a tendency to not pay attention to details. First, what is living paycheck to paycheck? Paycheck to paycheck means: you are in debt, including a house or car note; you do not have 10 months of expenses in cash on hand; you are one financial crisis away from bankruptcy. The real important concept then is what are the details?

Someone that does pay attention to detail would not take someone's word for granted. A detailed oriented person measure twice and cuts once. They would research everything and make a plan before doing something. We've been led to believe that such a person should be looked down upon. They have made words for such people: nerd; anal retentive; meticulous; worry wart; spoil sport. The is all to get you, the idiot, to stay away from detail and detailed oriented people, and stay stupid.

So what ware the details:

• taking out a loan for anything
• failure to read a loan agreement
• taking a non-liable vaccine, i.e. a vaccine that if damages you, you cannot sue the pharmaceutical company
• voting for a referendum to raise your own taxes, without first understanding that America pays more taxes than any country, except for a very select few
• continuously buying into and voting in a 2 party system
• not holding anyone accountable for their actions - kids, spouses, ministers, politicians, bosses, police
• eating food that is junk [understand that junk food is included in food that is junk, i.e. food saturated with sugars, refined food byproducts and salt]
  
• contributing to your own degenerative diseases by over consumption or ingesting non-health inducing foods
  
• voting to pay for another entire nation's debts [which actually goes into the pockets of big corporations]
• not planning your retirement, nor your heirs' future

To think you came up with the idea that you have no time or that detailed oriented people are no fun, by yourself, is the height of ignorance. Think for a second about all the movies, t.v. shows and news broadcasts that have hammered into your brain, "you have no time" or " he is so anal about the smallest things." Even advertisers jump on the bandwagon with, "you have no time to microwave that dinner, buy this new pre-microwaved dinner, pop open the top to a hot meal ready to serve now." Think back, would your grandpa be caught dead saying, "oh I never have time." He'd say instead, "idle hands are the devil's playground," meaning there is too much time in the day, try to stay busy, or the devil will get you in trouble. And, he'd say "the devil is in the details," meaning pay attention to the details or you will end up making a deal to end up in hell.

I often had friends who told me they had no time for this and that. I would often look at their schedule and find 40% of their time spent on frivolous, non-productive endeavors. They were so busy doing nothing. And, they clinged to this trash time for dear life. Or, worse, they would take on responsibilities at work, which netted them no cudos, no extra pay and no recognition. Instead of them standing up to their boss, or simply not volunteering for extra crap work, they would consider it their duty to do so, and not sit down for one second and realize the details of the matter. Even worse than that, were the friends I had were professionals, owning their own business, who'd engage in minor tasks that did nothing for the overall project and then miss opportunities to generate more income. They would complain about how lackluster their income was, but when I pointed out their missed opportunities they'd ignore it.