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Old 25-11-2017, 09:11 AM   #501
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‘By the people, for the people’: Kim Dotcom to launch alternative internet
Published time: 22 Nov, 2017 10:56
Edited time: 23 Nov, 2017 14:18

Kim Dotcom, wanted in the US for alleged widespread illegal file sharing, has vowed to build an alternative internet to combat privacy and freedom problems online.

The knowledge that government agencies have used the internet to spy on citizens, along with high-profile hacking scandals, has brought online privacy to the forefront of people’s minds.

Megaupload founder Kim Dotcom says he will help facilitate an unobstructed internet, free from prying eyes, through MegaNet, which will operate without IP addresses. The German entrepreneur is currently resisting extradition to the US from New Zealand over alleged copyright infringement.

I have been working on this for a long time. Mobile networks and devices will be ready for this in 4-5 years. When it goes live our dream of true Internet Freedom shall become reality. The upcoming K.im and Bitcache apps can provide the initial critical mass for this new network. https://t.co/SIdOV2Wt2f
— Kim Dotcom (@KimDotcom) November 22, 2017

Dotcom, who believes the internet to be a new frontier of rough-and-tumble lawlessness like the Wild West, previously described his alternative internet idea as “indestructible, uncontrollable & encrypted”.
https://www.rt.com/news/410606-kim-d...=recirculation
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Old 26-11-2017, 11:22 AM   #502
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You Are Powerful And We Are Winning

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Old 05-12-2017, 05:54 PM   #503
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Bitcoin as an alternative to the banking system being tamed by the system?

Treasury crackdown on Bitcoin over concerns it is used to launder money and dodge tax
Robert Mendick, Chief Reporter Gordon Rayner, Political Editor
3 December 2017 • 9:30pm

Ministers are launching a crackdown on the virtual currency Bitcoin amid growing concern it is being used to launder money and dodge tax.

The Treasury has disclosed plans to regulate the Bitcoin that will force traders in so-called crypto-currencies to disclose their identities and report suspicious activity. Until now, anybody buying and selling bitcoins and other digital currencies have been able to do so anonymously, making it attractive to criminals and tax avoiders. But the Treasury has now said it intends to begin regulating the virtual currency, which has a total value of £145 billion, to bring it in line with rules on anti-money laundering and counter-terrorism financial legislation.

The new rules, which will be applied across the European Union, are expected to come into force by the end of the year or early in 2018...
http://www.telegraph.co.uk/news/2017...g-tax-dodging/
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Old 07-12-2017, 10:18 AM   #504
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King Arthur lives!

In the summer months as the earth spins, the northern hemisphere tips towards the sun creating longer warmer days. In the winter months the northern hemisphere tips away from the sun creating shorter and colder days. In winter the suns powers appear to wane and the forces of darkness spread across the land creating a wasteland as the plant life dies back.

If you were to set up a deckchair and watch the horizon in the same place all year round you would see the sun rise in different places and at different times depending on what time of the year it was. As the year progresses the sun appears to get smaller as it heads south. However on the winter solstice of 21-22 december the sun will not continue to rise to the south and instead will rise in the same place. It will do this for a further 3 days. The sun will then begin its northern journey enabling the days to lengthen and warm again breathing new life into mother nature

King Arthur rests in the ground for three days but will rise again in our hour of need to chase away the forces of darkness. On christmas eve 3 stars or wise men of orions belt will be seen rising on the eastern horizon just after sunset, heralding the arrival of King arthur.

So regardless of whether you are a christian or not perhaps you can still appreciate the wonder of nature as the sun, the giver of life, is reborn to sustain us for another year by chasing away the forces of darkness

Raise a glass of mead or mulled wine and toast the sun. King Arthur lives!
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Old 07-12-2017, 12:08 PM   #505
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7 Next-Level Mind Hacks that Can Change Everything
December 6, 2017
Gary ‘Z’ McGee, Guest
Waking Times

“Talent hits a target no one else can hit. Genius hits a target no one else can see.” ~ Arthur Schopenhauer

You don’t have to be a genius to be creative, but you do have to be creative to be a genius. Similarly, you don’t have to be awesome to not suck, but you do have to not suck to be awesome. There seems to be a theme here. In order to be an awesome genius, or at least to strive to be one, we should endeavor to be more creative and to suck less. Easier said than done, sure. But as Baruch Spinoza said, “All things excellent are as difficult as they are rare.”

The following next-level mind hacks are tools we can use to leverage a little more creativity and a little less suckiness into our lives. As the great Ralph Waldo Emerson said, “In the minds of geniuses, we find – once more – our own neglected thoughts.”

1. Alchemize it until You Actualize It

“To be human is necessarily to be a vulnerable risk-taker; to be a courageous human is to be good at it.” ~Jonathan Lear

This is a play on the phrase, “fake it until you make it.” But alchemize it until you actualize it goes deeper. Alchemy denotes a transformation. When we’re courageous in the face of fear, for example, we are practicing emotional alchemy. It’s less about faking it and more about being proactively engaged in a healthier way while still honoring our emotional state.

Imagine a firefighter standing outside of a burning building with a baby on the top floor. He would be a fool not to fear the inferno. Fear is the natural and proper response to a deadly situation, after all. But if he doesn’t act courageously despite the fear, then the baby dies. So, he must first feel the fear, but then act with courage, to do the right thing and save the baby.

This can be applied to almost any emotionally charged situation. Feel fear, act with courage. Feel road rage, act with humor. Feel grief, act with steadfastness. Feel jealousy, act with compersion. Feel insecure, act with confidence. The alchemical action is the thing. Confidence eventually begets brilliance.
2. Transform Wounds Into Wisdom

“It is of the first order of importance to remember this, that the shaman is more than merely a sick man, or a madman; he is a sick man who has healed himself, who is cured, and who must shamanize in order to remain cured.” ~Terence McKenna

If we really want to live greatly, we must open ourselves up to being present to our wounds. The ability to have an authentic engagement with life takes the courage to face prior heartache and pain, and the ability to cultivate it and refine it into wisdom. Either way, the pain and heartache will be there. The question is whether we have the courage to face it and transform it into something that can refine our soul, or leave it and risk it eating away at our soul.

If we continue to ignore or repress it, it may fester and darken further into shadow energy. But if we learn to honor it for what it is, we engage in reconciliation that has the potential to transform our demons into diamonds: into robust, cutting-edge side-kicks that give us a streak of fierceness we can use to engage the world with resilience and confidence.

It’s akin to transforming stumbling blocks into steppingstones. A kind of Grecian Ataraxiamixed with a stoic optimism that launches us past complaining about what we can’t control and into a sacred space where we can be more proactive and engaged with what we cancontrol: our attitude toward suffering. As the Zen proverb states, “The obstacle is the path.”
3. Unbecome Everything

“To attain knowledge, add things every day. To attain wisdom, remove things every day.” ~Lao Tzu

Beyond meditation, beyond letting go, there is a state of intense solitude where you are so completely isolated from all the layer upon layer of cultural conditioning that you’re able to fully realize the power of being connected to everything. You’ve shed so much superfluous codependent static that an overwhelming interdependent clarity befalls you. You discover that you are connected to everything else, and everything else is connected to you.

Unbecoming everything turns the tables on “becoming enlightened,” by shedding the uninitiated ego’s attachment to attainment. It’s a deep realization that enlightenment isn’t about becoming something; it’s about unbecoming everything so as to attain a state of authenticity. It’s in this state of authentic awareness that the Ego becomes initiated by the Soul.

Unbecoming everything is a way of counter-intuitively becoming everything, with a twist. The twist being awareness. Albeit a non-attached awareness, more of a floating observation that merely interprets rather than judges. Some call it no-mind. Some call it satori. Some call it ataraxy. Either way, unbecoming everything cuts the uninitiated ego out of the equation and then sneaks in the initiated ego, which utilizes Soul as a tool to leverage a heightened state of awareness. From this heightened state of authenticity comes the deep interdependent realization that everything is connected to everything else.
4. Count Coup On Thyself

“He is a sane man who can have tragedy in his heart and comedy in his head.” ~ G.K. Chesterton

Counting coup is a Native American act of courage referring to the winning of prestige in battle through the social leveling mechanism of shaming. A coup warrior is a person who wins prestige by uncommon acts of bravery in the face of fear. Danger and risk is required to count coup and it can be recorded by touching (shaming) an enemy in battle and then escaping unharmed.

For the purposes of this mind hack, counting coup is a metaphor for dangerously and humorously shocking ourselves and our fellow man into wakefulness by questioning ourselves to the nth degree. It’s a way of sneaking up on our fears and our certainties and giving them a little smack with our coup stick.

When we’re counting coup on ourselves, we’re counting coup on that which is unhealthy, shameful, and fearful within us. We’re counting coup on that which is rigid and dogmatic in our worldview. When we count coup on fear, sloth, narcissism and extremism, we do it so that vitality, courageous action and diversity can emerge; so that we can, like Thoreau said, “Live deliberately.”

The revolution begins at home. If you count coup on yourself again and again, you might earn the right to count coup on the rest of us. Indeed, with enough practice you might earn the right to count coup on enlightenment itself.
5. Practice Counter-Weltanschauung Dynamics

“The greatest and most important problems of life are all in a certain sense insoluble. They can never be solved, but only outgrown.” ~ Carl Jung

This is perhaps the most powerful mind hack on the list. Especially in a world that’s slowly closing in on itself due to rampant xenophobia and divisive paranoia. As David Kahneman said, “We can be blind to the obvious, and we are also blind to our blindness.” Counter-weltanschauung dynamics is a tool that helps us see through our indoctrinated blindness.

Weltanschauung is the German word for worldview. So how can countering our worldview help? It’s a way of questioning and broadening our perspective by first taking stock of our current worldview, through ruthless self-examination, and then entertaining the idea of an opposite. This way we might arrive at a more open-minded and empathetic understanding of the world and others.

The ultimate goal of counter-weltanschauung dynamics is to achieve a state of broad-mindedness akin to nature itself; to be able to look upon the world with holistic eyes. It’s a kind of empathic “metamorality” (Joshua Greene) recognizing that groups of people with conflicting ideals can still live together as long as freedom is maintained. Counter-weltanschauung dynamics resolves the conflict between people with different ideological dispositions by revealing that the futility of the human condition is that it is constantly changing and is never fixed.

Armed with this unique flavor of meta-moral empathy, the schism between nature and psyche and between self and other can be mended. There is perhaps no greater bridge than the ability to cross-culturally and cross-tribally put ourselves in someone else’s shoes and attempt to see things the way they do.
6. Practice Promethean Audacity

“I would rather be chained to this rock than be the obedient servant of the gods.” ~Prometheus

You can also call it Dionysian disobedience, or putting the “thorough” in Thoreau. The key is a courageous delving into the forbidden (against the rules/law) in order to discover hidden secrets otherwise unattainable, despite authority. Obedience be damned!

As Vladimir Nabokov said, “Curiosity is insubordination in its purest form.” It is through such prying insubordination that deep change is made, and authority is finally checked and balanced. It’s a way to hack “God.” No matter what form God might take: parents, teachers, cops, judges, presidents, queens, or even God itself.

The Promethean innovator is an example of divergent thinking, deviating from the ordinary in order to discover the extraordinary. Promethean audacity is becoming “divergent” like Beatrice Prior in Divergent, or becoming “The One” like Neo in The Matrix. Or the real-life mettle to take on the NSA like Edward Snowden did. It’s having the insouciant daring of Tyler Durden and saying, “Let’s evolve. Let the chips fall where they may.”

Promethean audacity is staring “God” in the face, and through your fearless “poker stare” alone, calling his bluff. Suddenly the tables are turned. You’re holding all the cards. You always were. And the royal flush you reveal is the legerdemain of your courage, a legerdemind: sleight of mind. God is tricked and trumped, and, like Prometheus, the money (the boon of knowledge) that you win, becomes the fire that you stole. And it’s worth it,“punishment” be damned.
7. Engage the Great Mystery Through Self-Overcoming (Cosmic Heroism)

“If you need to visualize the soul, think of it as a cross between a wolf howl, a photon, and a dribble of dark molasses. But what it really is, as near as I can tell, is a packet of information. It’s a program, a piece of hyper-spatial software designed explicitly to interface with the Mystery. Not a mystery, mind you, the Mystery. The one that can never be solved.”~ Tom Robbins

The best way to engage the Great Mystery is through deep solitude and meditation. The second-best way is to develop an ontology of eminence, using the magic elixir and otherworldly knowledge gained from that solitude and meditation. As Ernest Becker described it: “In this kind of ontology of immanence, what we are describing is not a creature who is transformed and who transforms the world in turn in some miraculous ways, but rather a creature who takes more of the world into himself and develops new forms of courage and endurance.”

A kind of cosmic catharsis comes from creating these new forms of courage and endurance, which have the potential to transform life itself into an artform. The art of self-overcoming, of constantly overcoming the fixed and rigid self by identifying with the flexible and adaptable self, is a kind of cosmic catharsis that can lead to cosmic heroism.

Cosmic heroism is a keen awareness of our need to validate a personal sense of value within a cosmic scheme, through our own creative contributions, so as to reconcile the anxiety of death. Having achieved a state of awe and wonder through deep meditation and solitude, a cosmic hero, practicing the art of self-overcoming, has learned how to transform codependence into independence into interdependence. Out of the cocoon of the broken cultural-self (codependence) emerges the mysterious inner-self (independence) which yearns for cosmic heroism (interdependence) through the consistent and creative process of self-overcoming.
Read more articles by Gary ‘Z’ McGee.

About the Author

Gary ‘Z’ McGee, a former Navy Intelligence Specialist turned philosopher, is the author of Birthday Suit of God and The Looking Glass Man. His works are inspired by the great philosophers of the ages and his wide awake view of the modern world.

This article (7 Next-Level Mind Hacks that Can Change Everything) was originally created and published by The Mind Unleashed and is printed here with permission.
http://www.wakingtimes.com/2017/12/0...ge-everything/
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Old 11-12-2017, 04:52 PM   #506
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Evidence points to Bitcoin being an NSA-engineered psyop to roll out one-world digital currency
Sunday, December 10, 2017 by: Mike Adams

I’m going to assume the readers who make it to this article are well informed enough that I don’t have to go into the history of the global money changers and their desire for a one world currency. (If you don’t yet understand the goal of the globalist banking empire and the coming engineered collapse of the fiat currency system, you’re already about 5,000 posts behind the curve.)

With that as a starting point, it’s now becoming increasingly evident that Bitcoin may be a creation of the NSA and was rolled out as a “normalization” experiment to get the public familiar with digital currency. Once this is established, the world’s fiat currencies will be obliterated in an engineered debt collapse (see below for the sequence of events), then replaced with a government approved cryptocurrency with tracking of all transactions and digital wallets by the world’s western governments.
https://www.naturalnews.com/2017-12-...-currency.html
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Old 15-12-2017, 10:30 PM   #507
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I have thought long and hard about how a few (and maybe more than a few) people with little power and no money can bring about change. It seems to me that protests seldom work, but they can get a person killed or seriously injured--is the payoff in terms of achieved change worth it?
I think we have to have a concerted plan to take down the house of Rothschild (or illuminati, or Zionists, or whatever else you fancy to fit in the blank). The plan has to be simple and strategic and clever. Just as a totalitarian tiptoe is being played out against out against the people of the world, we have to do our own tiptoe.

During my working life, part of my job was to design plans to bring about changes for people--some of them small changes, tiny steps. I learned much about making plans and carrying them out from doing this.
The first important thing is to find and articulate a desired outcome. It is easier if you break down each desired outcome for each "module". For example, if you want to focus on health, then your desired outcome will be something like: The people in my town will have good health. It might be more prudent even to focus on one's family as a starting point because we are, after all, looking for a toe-hold into the whole gmo, vaccinations etc. nightmare. Start small, very small and control what you can control.
My family has good health would make a good starting point. Not only can you bring this about, or as close to it as you can, but you are circumventing big pharma and gmo while doing this. You are also providing an example to others.
I realize this is a small pebble in a big pond, but we have to start somewhere and we have to build on what we can achieve to achieve even bigger things.
Next, you devise strategies to get to your desired outcome and how will you measure whether you have achieved it or not?
Such plans can be devised to deal with all facets of human life--financial, political, education, social interaction etc.
If we were to make plans that involved a group of people (e.g. people on this forum) then we would have to agree on what facet to tackle first and find a desired outcome we could all agree on, (already I see lots of problems with this) and then we have to develop step by step strategies for getting to the desired outcome.
The term think globally (ie financial systems, health care systems, education systems) but act locally (do what we can, small steps, things we can do and can control within our sphere of influence knowing that every little bit counts--this is something we would have to believe or else you will feel you are just spitting into the wind and won't see that small steps can grown and grown. Success upon success.)
Tedious and slow it may be, but it is a revolution of the small--big revolutions haven't really gotten us in a good place, so maybe small revolutions can.
Imagine if 25 people (families) decided to follow the same plan. Rigorously, daily, passionately. Ripples may occur.
Please think about this--collectively we can do much to influence our communities and our countries. I can't think of an alternative because no matter how much I learn about the real goings on in the world, unless I have a way of putting my beliefs, truths, knowledge into practice, it is really all for nought (of course, it allows me to spot fake news which is a benefit, but it doesn't really interrupt the agenda of the ptb.)
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Old 16-12-2017, 10:49 AM   #508
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Quote:
Originally Posted by mollymag4 View Post
Please think about this--collectively we can do much to influence our communities and our countries. I can't think of an alternative because no matter how much I learn about the real goings on in the world, unless I have a way of putting my beliefs, truths, knowledge into practice, it is really all for nought (of course, it allows me to spot fake news which is a benefit, but it doesn't really interrupt the agenda of the ptb.)
I totally understand what you are saying. I agree that the rothschild-cabal are organised and coordinated because they have a plan that they are all working towards

We do lack that in the independent media side of things

I will think more about this and try and put together some ideas for the new year, thanks for helping to focus thought on this matter
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Old 16-12-2017, 10:59 PM   #509
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To do nothing except expand our own knowledge--which is vitally important, but there is usually no action attached to it--is to be complicit in our own demise. Also, I don't know about you, but doing nothing much with what I know does not make me feel okay. I woujld love to have an avenue to express and change the things I know and to make manifest what I would like to have/the world I want to live in
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Old 08-01-2018, 03:46 PM   #510
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Beyond the Phantom
By David Icke, Phantom Self p420-1

When people ask what we can do and what are the 'solutions' they mean how can we act; but actions come from perceptions and perceptions come from our state of awareness. Solutions from the Phantom are never solutions. They are at best holding positions until the next problem comes along in response to the last 'solutions'. It's another form of fighting as solutions fight problems and problems come back for another go. Einstein talked about the impossibility of solving problems with the same level of consciousness that created them. Where do the problems come from? They come from us and it can be no other way when we are decoding information through the filter of perception into holographic manifestation. We are creating them through our perceptions...'..in a quantum universe there are no such things as accidents, only possibilities and probabilities folded into existence through perception.' The question is not who is creating the problems. We are. The question is who or what is dictating our perceptions which then decide what possibilities and probabilities are folded into existence? Is it the virus-programmed phantom, or superconsciousness? Problems are the speciality of the Phantom Self and can only be deleted by Infinate Self. I saw a quote that said everything changes when you start to emit your own frequency rather then absorbing the frequencies around you, when you start imprinting your intent on the Universe rather than receiving an imprint from existence. Here we have the crux of everything, the fork in the road, the ultimate choice and the route to prison or paradise. When the quote talks about receiving an imprint form existence, i would say receiving an imprint from the Archon virus. This is what Phantom does as a manifestation of the Archon Matrix. Expand your awareness and self-identity beyond the phantom and into superconsciousness and you begin to emit your own frequency and imprint your intent on the universe and not implanted Archon intent. We post on the Cosmic internet or we get posted. Giordano Bruno said: 'the divine light is always in man, presenting itself to the senses and to the comprehension, but man rejects it.' we always have the choice to stop doing so.

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Old 09-01-2018, 08:37 AM   #511
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Beyond the Phantom (continued)
By David Icke, The Phantom Self p421-422

''I could make a list of things 'we can do' in the form of action. I could talk about the need for mass non-cooperation with the System. i could say that we need to circulate information about the Archon conspiracy and nature of reality to everyone we can. I could say that we must reject transhumanism and Agenda 21/2030 with every fibre of our being. I could point out that a world of more than seven billion can only be controlled by a relative handful if the seven billion allow that to happen through ignorance, disinterest and silence. I could say that we must put aside the manufactured fault lines of race, gender, culture, religion, background and income bracket that are mercilessly employed to divide and rule us. I could say we must come together in unity and harmony to meet the fantastic challenges that face us. I could say that 'there's nothing i can do' is a cop-out to justify doing nothing. I could say all these things and more. But those who have a connection to superconsciousness will know all this; and those who don;t will not respond anyway. Superconsciousness people don't need to be told solutions. they instinctively know them from their own expanded awareness and instinctively do them from their own commitment to making a difference. Ghandi knew what to do:

You assist an evil system most effectively by obeying its orders and decrees. An evil system never deserves such allegiance. Allegiance to it means partaking of this evil. A good person will resist an evil system with his or her own soul''
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Old 09-01-2018, 08:40 AM   #512
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It's interesting reading Davids perspective when we consider the accusations made against him by some. I often hear people even on this forum saying what they think it is that David is saying but how many of them actually post what it is that he is ACTUALLY saying?

It seems to me reading these passages above that the people most threatened by david are the people who have something invested in keeping the hegelian dialectic going where there is constant antagonism between two sides in order to synthesise an end result which they ultimately want, eg conservatism v's liberalism, when both sides are clearly controlled at the very top by the same force which sees the same overall agenda march on regardless of what political theatre is played out on the television screens

The central banking system endures, the chemtrailing continues, the SMART grid continues to grow all around us and they continue regardless of what political party is elected into power. In short the push towards technocratic-communism and ultimately transhumanism continues unabated

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Old 09-01-2018, 09:03 AM   #513
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Beyond the Phantom pt 3
p425-426

''''I've described in the book how the world of the seen is created and manipulated from the unseen. There is no sense in trying to change the seen within the seen. You are trying to change the symptoms without dealing with the cause. Answers do not lie in the seen and the conspiracy is fine with those great tracts of the alternative media that seek answers in the seen. They are not there. They are in the unseen-in our perceptions, in our frequency, in our hearts. This is the knowledge or knowing of the ages that has been expressed throughout what we call time by those who have accepted superconsciousness. Gnostics responsible for the Nag hammadi texts are an example. They believed that gnosis or secret knowledge came from an intuitive knowing and that 'God' did not create the 'material' Universe, but a fake 'god' or Demiurge. Humans were sparks or dropelts of the same essence as 'God' but became trapped in their bodies from which they will eventually escape. The 'fall of man' was the fall into 'matter'.

Humanity became ignorant of its true nature, but the Gnostics said that 'God' sends forth emanations of himself to show 'divine sparks of Spirit' their true identity. Salvation was by knowledge- self knowledge or knowledge of self. I am saying the same using different language and in the context of today's world. Humans are expressions of Infinate Awareness but their perceptions were hijacked and drawn into low-frequency states by low-frequency beliefs, emotions and attitudes. They are trapped by the perception of Phantom Self ('trapped in their bodies') and have forgotten their true nature. Escape is through reconnection with Infinate Self or superconsciousness, which raises their frequency and takes them 'home'. The themes are the same because it's the truth.''
-David Icke
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Old 09-01-2018, 09:43 AM   #514
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With the beginning of a new year there is inevitably some reflection on the past year and a reaffirmation of aims for the coming year. Here are some of mine. Some have been achieved and are ongoing and some are a work in progress

1- Close facebook account as it's a spy database and use alternative search engines like duckduckgo instead of google (which records all your searches) and meet up with friends in real time

2- Leave any bank involved in the 2008 crisis and consider alternatives like community banking and credit unions. I'm not sure how many important services like internet banking are supplied by credit unions. This is something i'll be looking into more over this year to try and scout out some good options.

3- Get rid of your TV and SMART phone! Rediscover more creative uses for your time

4- Eat local and eat fresh. Support local organic growers

5- Shop local and keep currency in the community. Boycott the big corporations as much as possible in this corporate dominated world

6- Get out of debt. Debt and contracts are the hooks the system uses to keep us tied to the treadmill. Reduce them and slow the treadmill down

7- Spread the truth pro-actively. Be a truth satellite and boost the signal around the internet

8- Be useful. Push back against the ennui of modern life by learning skills and doing something that is not just for yourself

9- be wild. The system wants you completely dependent on the corporations for everything. Rekindle the flame of independence by increasing your knowledge of the natural world and by spending more time in it. By living simply for example by camping we learn the value of the little things in life.

10- downsize and simplify. Reclaim your money and your time from the system

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Old 14-01-2018, 02:11 PM   #515
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Building societies: introduction
https://www.lowimpact.org/lowimpact-...ing-societies/

What are building societies?

Building societies are mutual institutions offering savings accounts and mortgages, and occasionally current accounts. This is all they provide. They are simple beasts compared to banks, and their mutual nature means that they are owned by their members, and are not listed on stock exchanges and owned by shareholders.

They’re similar to co-operatives, but, from Wikipedia: ‘unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through their customer relationship.’

History

The first building society was formed in 1775, by Richard Ketley, proprietor of a pub called the Golden Cross, in Snow Hill, Birmingham. At the time, publicans encouraged meetings of working men in their pubs in order to sell more beer! Lots of trades unions and friendly societies were formed in pubs. This society was quickly followed by others in Birmingham, then Dudley, Rowley Regis and other places in the Midlands, North and Scotland. Members of early societies like this paid money into a pot, and when there was enough, one member’s name was drawn by lot and the money was used to build them a house. This house was used as security for attracting more loans until everyone in the group was housed, after which the society had served its purpose and was disbanded. These early societies were consequently called ‘terminating’ societies.

By 1825 there were over 250 building societies all over the UK. In the middle of the 19th century, model rules were developed, societies started to accept savings from people not looking to build a home, the first permanent (i.e. not terminating) societies were formed, and by the turn of the century there were almost 2000 UK societies with over 600,000 members.

The industry grew steadily until the 1980s when it was hit by a wave of exremely damaging ‘demutualisations’.



The Newcastle Building Society opened a branch inside Yarm library, North Yorkshire, to prevent its closure.
Demutualisation

Many building societies were ‘demutualised’, starting in the 1980s, after deregulation that allowed mutual societies to become banks with shareholders, or to be merged with existing banks. Incentives were offered to members in the form of cash payments or shares. The first mutual society to be demutualised was Abbey National, followed by famous names such as Alliance and Leicester, Northern Rock and Bradford and Bingley. They have all since failed.

Vince Cable called the demutualisation of building societies ‘one of the greatest acts of economic vandalism in modern times’. It has resulted in the loss of hundreds of small building societies, converted or swallowed up by the corporate sector. This is the opposite direction to the one we should be moving in if we don’t want banks and financial institutions that are ‘too big to fail’, although of course the motivation behind deregulation was ideological rather than economic.

In 1986, the Building Societies Act liberalised the sector, allowing building societies to enter new areas, such as insurance, estate agency and unit trusts. They needed to raise capital quickly to be able to do this, and many decided to demutualise and to float on the stock market to raise the capital. This wasn’t done lightly, and there were huge battles between members. When those battles were won by demutualisers, with the help of financial incentives to members, they soon found that being a middle player in the cut-throat banking sector was much more of a struggle than being a mutual in a more patient, stable sector. Not one of the demutualised building societies exists as an independent entity today.

Savings & Loan Associations operate in the same way as building societes in the US, and are famously championed by James Stewart’s George Bailey in It’s a Wonderful Life. It’s uncanny how relevant the battles being fought in that film are today. They suffered similar damage due to demutualisations in the late 20th century.



It’s a Wonderful Life: George bailey argues against demutualisation.

Building societies now have ‘charitable assignments’, which mean that new members agree to assign to charity any windfall that they may be due if the society is demutualised. This is a big disincentive to demutualisation.

Today, in the UK, the mutual sector is healthy and growing. Around 20 million people have building society accounts, building societies have helped over 3 million people to buy a home, and they currently provide one in every three mortgages in the UK.

1980 saw the birth of the newest building society – the Ecology Building Society, with a unique focus on the environment.

What are the benefits of building societies?

Profits are only distributed to staff and to members of the society, they are not creamed off for shareholders. For this reason, they are often able to offer competitive rates for savings accounts and mortgages.

They are democratic institutions – i.e. one member, one vote, rather than one share, one vote, as with PLCs. So your influence in the society does not depend on how much money you have.

They are ethical places to put your money. From Positive Money: ‘building societies are prohibited by law from engaging in commodities or foreign exchange trading. So if you give your money to Nationwide or Coventry Building Society, they won’t use it to push up the price of food to the point where people in developing countries starve. That’s a nice thought!’

At least 75% of their investments, by law, must go to mortgages on residential property, so none of the toxic investments that cause economic crashes. This isn’t an imposition on building societies, by the way – it’s what they want.

Building societies have a much greater community presence, with more local branches, providing more jobs locally, and greater convenience and face-to-face customer service for members. This is reflected in the lower number of complaints and greater satisfaction with building societies compared to banks.

And finally, they are much more community-friendly. They don’t have to serve external shareholders, it’s not all about the bottom line, and they often have community outreach programmes and community funds. Two interesting examples – when Lloyds closed their branch in Glastonbury, it left the town without a branch of any financial institution. The community invited the Nationwide into the town and they duly obliged. And in the north-east, a local library was about to be closed, but the Newcastle Building Society put a branch in the library to prevent the closure.




Building societies: introduction
What are building societies?

Building societies are mutual institutions offering savings accounts and mortgages, and occasionally current accounts. This is all they provide. They are simple beasts compared to banks, and their mutual nature means that they are owned by their members, and are not listed on stock exchanges and owned by shareholders.

They’re similar to co-operatives, but, from Wikipedia: ‘unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through their customer relationship.’
plaque-first-building-society

Plaque commemorating the formation of the world’s first building society, in the Golden Cross pub in Birmingham.
History

The first building society was formed in 1775, by Richard Ketley, proprietor of a pub called the Golden Cross, in Snow Hill, Birmingham. At the time, publicans encouraged meetings of working men in their pubs in order to sell more beer! Lots of trades unions and friendly societies were formed in pubs. This society was quickly followed by others in Birmingham, then Dudley, Rowley Regis and other places in the Midlands, North and Scotland. Members of early societies like this paid money into a pot, and when there was enough, one member’s name was drawn by lot and the money was used to build them a house. This house was used as security for attracting more loans until everyone in the group was housed, after which the society had served its purpose and was disbanded. These early societies were consequently called ‘terminating’ societies.

By 1825 there were over 250 building societies all over the UK. In the middle of the 19th century, model rules were developed, societies started to accept savings from people not looking to build a home, the first permanent (i.e. not terminating) societies were formed, and by the turn of the century there were almost 2000 UK societies with over 600,000 members.

The industry grew steadily until the 1980s when it was hit by a wave of exremely damaging ‘demutualisations’.

The Newcastle Building Society opened a branch inside Yarm library, North Yorkshire, to prevent its closure.
Demutualisation

Many building societies were ‘demutualised’, starting in the 1980s, after deregulation that allowed mutual societies to become banks with shareholders, or to be merged with existing banks. Incentives were offered to members in the form of cash payments or shares. The first mutual society to be demutualised was Abbey National, followed by famous names such as Alliance and Leicester, Northern Rock and Bradford and Bingley. They have all since failed.

Vince Cable called the demutualisation of building societies ‘one of the greatest acts of economic vandalism in modern times’. It has resulted in the loss of hundreds of small building societies, converted or swallowed up by the corporate sector. This is the opposite direction to the one we should be moving in if we don’t want banks and financial institutions that are ‘too big to fail’, although of course the motivation behind deregulation was ideological rather than economic.
nationwide-penrith

The largest and smallest building societies in the UK.

In 1986, the Building Societies Act liberalised the sector, allowing building societies to enter new areas, such as insurance, estate agency and unit trusts. They needed to raise capital quickly to be able to do this, and many decided to demutualise and to float on the stock market to raise the capital. This wasn’t done lightly, and there were huge battles between members. When those battles were won by demutualisers, with the help of financial incentives to members, they soon found that being a middle player in the cut-throat banking sector was much more of a struggle than being a mutual in a more patient, stable sector. Not one of the demutualised building societies exists as an independent entity today.

Savings & Loan Associations operate in the same way as building societes in the US, and are famously championed by James Stewart’s George Bailey in It’s a Wonderful Life. It’s uncanny how relevant the battles being fought in that film are today. They suffered similar damage due to demutualisations in the late 20th century.

It’s a Wonderful Life: George bailey argues against demutualisation.

Building societies now have ‘charitable assignments’, which mean that new members agree to assign to charity any windfall that they may be due if the society is demutualised. This is a big disincentive to demutualisation.

Today, in the UK, the mutual sector is healthy and growing. Around 20 million people have building society accounts, building societies have helped over 3 million people to buy a home, and they currently provide one in every three mortgages in the UK.

1980 saw the birth of the newest building society – the Ecology Building Society, with a unique focus on the environment.
sign-penrith

The sign on the Penrith Building Society says it all: ‘Every man his own landlord’ (well, all apart from the fact that they left out half the population).
What are the benefits of building societies?

Profits are only distributed to staff and to members of the society, they are not creamed off for shareholders. For this reason, they are often able to offer competitive rates for savings accounts and mortgages.

They are democratic institutions – i.e. one member, one vote, rather than one share, one vote, as with PLCs. So your influence in the society does not depend on how much money you have.

They are ethical places to put your money. From Positive Money: ‘building societies are prohibited by law from engaging in commodities or foreign exchange trading. So if you give your money to Nationwide or Coventry Building Society, they won’t use it to push up the price of food to the point where people in developing countries starve. That’s a nice thought!’
bradford-bingley

Many ex-building societies were swallowed by the corporate sector or became plcs themselves after demutualisation, such as the Halifax, Abbey National, Alliance & Leicester, Bradford & Bingley etc. (and the Co-operative Bank is no longer a co-op). Check the BSA’s list before switching.

At least 75% of their investments, by law, must go to mortgages on residential property, so none of the toxic investments that cause economic crashes. This isn’t an imposition on building societies, by the way – it’s what they want.

Building societies have a much greater community presence, with more local branches, providing more jobs locally, and greater convenience and face-to-face customer service for members. This is reflected in the lower number of complaints and greater satisfaction with building societies compared to banks.

And finally, they are much more community-friendly. They don’t have to serve external shareholders, it’s not all about the bottom line, and they often have community outreach programmes and community funds. Two interesting examples – when Lloyds closed their branch in Glastonbury, it left the town without a branch of any financial institution. The community invited the Nationwide into the town and they duly obliged. And in the north-east, a local library was about to be closed, but the Newcastle Building Society put a branch in the library to prevent the closure.

George Bailey again, this time explaining the nature of mutualism and avoiding a run on his mutual savings and loans bank.
What can I do?

Switch your savings, mortgage and (with some societies) current account to a building society. Lots of people organise their mortgages through a broker, and if that’s the case, you can stipulate that you’d like to use a building society. If they don’t understand your ethical reasons for doing so, you’ll then have the opportunity to educate them.

Current accounts are expensive for financial institutions to operate, but for current accounts, you have two options – the Nationwide, or if you live in Cumbria, the Cumberland.

If you go to the website of the Building Societies Association, the trade body for building societies, you’ll find a list of all the building societies in the UK, with contact details. You’ll be able to choose one in or close to your town if you want to support your local society. You could possibly have a Nationwide current account as well as savings / mortgage with your local society.

Just pop into your local branch or call them, and they’ll explain what to do to switch. With current accounts, they’ll be able to switch all your standing orders and direct debits painlessly too. And if you really want to talk to a real human, you’ll be glad you decided to go with a building society.

Once you’re a member of a building society, you become a part-owner, and so you have the right to become involved in the running of the society (although of course you don’t have to if you don’t want to). You’ll have the right to nominate and vote for directors, or to stand for election yourself (as long as you get enough support from other members), and to attend the AGM.

Thanks to Hilary McVitty of the Building Societies Association for information.
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Old 18-01-2018, 10:10 AM   #516
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Old 18-01-2018, 01:01 PM   #517
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Alan Watts - How To See Beyond Your Mental Conditioning

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Old 20-01-2018, 11:56 AM   #518
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Bitcoin is a 'Project of US Intelligence,' Kaspersky Lab Co-Founder Claims
12:32 19.01.2018
Natalya Kaspersky claimed that Bitcoin was designed to provide financing for US and British intelligence activities around the world. The expert called the cryptocurrency "dollar 2.0."

The Bitcoin cryptocurrency was developed by "American intelligence agencies," Natalya Kaspersky, CEO of the InfoWatch group of companies and specialist in cyber security systems, said during her presentation at ITMO University in St. Petersburg.

Kaspersky was giving a speech on information wars and digital sovereignty. Photos of her presentation entitled "Modern technologies – the basis for information and cyber-wars," have been published on social media.

"Bitcoin is a project of American intelligence agencies, which was designed to provide quick funding for US, British and Canadian intelligence activities in different countries. [The technology] is 'privatized,' just like the Internet, GPS and TOR. In fact, it is dollar 2.0. Its rate is controlled by the owners of exchanges," one of the slides read.
https://sputniknews.com/business/201...-intelligence/
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Old 20-01-2018, 02:02 PM   #519
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Just my opinion.
I commend you waves but try not to save the world.
There is no one solution.
To save the world is the same concept AS trying to change someone.
We cannot not due to free will. Think about that.
But I like your spirit though concept does not work. my friend.

If you live in the UK, you are definitely on my list of invite him for the pub crawl.

Will you come?

You know we should organise a get together one day, only a handeful of good friends, not the entire forum.
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A Town Cursed by Jesus

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Old 21-01-2018, 09:01 AM   #520
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Quote:
Originally Posted by elshaper View Post
Just my opinion.
I commend you waves but try not to save the world.
There is no one solution.
To save the world is the same concept AS trying to change someone.
We cannot not due to free will. Think about that.
But I like your spirit though concept does not work. my friend.
all this thread is about is planting seeds....seeds that may or may not bear fruit

But lets say you are someone new to all this information and are feeling awed by the scale of the problem and feeling powerless to do anything about it; this thread is simply to give people some possible ideas and a starting point

Its to show that there are ideas out there and also people out there who are working on them

Quote:
Originally Posted by elshaper View Post
If you live in the UK, you are definitely on my list of invite him for the pub crawl.

Will you come?
how would you be sure that bad actors wouldn't come?
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