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A Must Have Book for All and best of all it's free!


... a Spiritual Economics Book
on $$$ and Remembering Who You Are
Mary Elizabeth: Croft
For my sons, Colin Thomas and James Casey
Copyright© October 2004
updated March 2005


I could not have written this without the assistance of Ray Cox and Rice McLeod

No Disclaimer

There is no disclaimer in this book because the reader will learn that we are all responsible for our perception and interpretation of anything and everything we experience. I have no intention of disclaiminganything I write. Maybe what I tell you will allow you to change your mind about how you want to conductyour affairs from now on. Anyone reading this book is wise enough to follow one’s own counsel and therefore acknowledges that I cannot, do not, and will not tell anyone what to do.

Nobody ever committed suicide while reading a good book, but many have while trying to write one.
- R. Byrne


Foreword ........................................................ Page 3
Notes ........................................................... Page 5
Preface ......................................................... Page 5
Introduction .................................................... Page 6
Appendix ........................................................ Page 6
PART I - WHAT HAPPENED .......................................... Page 7
PART II - HOW IT HAPPENED ....................................... Page 19
PART III - WHAT REALLY HAPPENED / WHAT TO DO .................... Page 60
EPILOGUE ........................................................ Page 88
SUMMARY ......................................................... Page 89
Bibliography / Contact Info ..................................... Page 90


I had given up writing this book because of people’s reactions when I mentioned the Commerce Game. Most wanted to ‘kill the messenger’ because their having been so conned by the alleged ‘authorities’ theirentire lives was too painful to contemplate. Those with neither eyes to see nor ears to hear wanted to arguewith me. Many suggested they were aware, yet upon further discussion they admitted to not reallyknowing.

Our mind is of 3 categories: what we know, what we don’t know, and what we don’t know we don’tknow. Not knowing is unfortunate; not knowing that we don’t know is tragic. - W. Erhart.

Some actually did know about the fraudulent banking system and yet felt already defeated. Theyremain part of the problem by refusing to become part of the solution.

The ultimate ignorance is the rejection of something you know nothing about and refuse toinvestigate. - Dr. Wayne Dyer

I concluded that, unfortunately, only a few want to hear how to become free, stop identifying with theirfalse beliefs, do what they want to do (instead of ‘working for a living’), and live in joy which is what weare designed to do. I felt as if I were my own minority group - I truly do want to know that which I don’twant to know. Most want security over freedom. As most people identify with their beliefs, giving them upwould present the fear, ‘who would I BE?’ If they were to open their minds, drop their preconceivednotions, their psychological prejudices, let go of the concept that their beliefs are who they are, they mightbecome enlightened.

Millions of unconscious people are not taking responsibility for their inner peace. - Eckhart Tolle.

Needless to say, suggesting we have been conned into playing an insidious game which is destroying our lives, our futures, our fellowship, our spirituality, and our true natures, will meet with non-receptive minds. Consequently, in exasperation one night I resolved that my book would be futile - a waste of my time and energy. I declared I would put my efforts back into developing my Energy Psychology practice.

In the middle of the night I was awakened by a voice saying, “Secret Oral Teachings”. I thought, “I’ll remember” and went back to sleep. Later I heard it again, and then again upon awakening I heard, “Secret Oral Teachings” at which point I leapt out of bed and went to my books and put my hand on a small brown book which I’d owned for 20 years and never read, entitled, Secret Oral Teachings in Tibetan Buddhist Sects by Alexandra David-Néel and Lama Yongden (1967). Within the first eight pages I read about the hesitation of the Buddha, before beginning His Mission: “I have discovered a profound truth, difficult to perceive, difficult to understand, accessible only to the wise.

“Human beings busy themselves in the vortex of the world and find their pleasure. It will be difficultfor men to understand the law of the concatenation of causes and effects, the suppression of the samskaras (ideas that one forms which depend upon ignorance).

“Of what use to reveal to men that which I have discovered at the price of laborious efforts? Why should I do so? - This doctrine cannot be understood by those filled by desire and hatred .. it is mysterious, deep; hidden from the vulgar mind. If I proclaim it and men are unable to understand it, the only result will be fatigue and annoyance for me.”

Brahma Sahampati exhorts the Buddha to conquer His hesitation: “May the Venerable One preach the Doctrine! There are beings whose spiritual eyes are hardly darkened by light dust, these will understand the Doctrine. In the land of Magadha a false doctrine has prevailed up to the present, elaborated by men whose minds were contaminated (by ignorance). Now open to them the gate of Immortality (literally, of the deathless).

“Arise, O Victorious One ! Travel through-out the world, O Chief of Pilgrims (beings who wander in the round of successive births and deaths). There are some who will understand Thee.”

The Buddha insisted strongly on the necessity of examining the propositions put forward by Him, and of understanding them personally before accepting them as true. The ancient texts leave no doubt on this point: “Do not believe on the strength of traditions even if they have been held in honour for many generations and in many places; do not believe anything because many people speak of it; do not believe on the strength of sages of old times; do not believe that which you have yourselves imagined, thinking that a god has inspired you. Believe nothing which depends only on the authority of your masters or of priests.

After investigation, believe that which you have yourselves tested and found reasonable, and which is for your good and that of others.”

“Doubt is an incitement to research, and research is the path to true knowledge.”

“Why are these teachings secret? Does that mean I can't write and tell about them?” “No, Alexandra, these teachings are not called ‘secret’ because it is forbidden to talk about them. They are ‘secret’ because so few who hear them understand.”

Immediately I began writing, yet from a completely different perspective from my previous attempts.

Following is the result of this inspiration. I ask that you take the Buddha’s suggestion - “investigate, believe what is reasonable and for your good and that of others.”

I was asked - but there no words: it was a straight mental instantaneous communication - ‘What had I done to benefit or advance the human race? -The Tibetan Book of Living and Dying - Sogyal Rinpoche

I have determined that writing this book is my responsibility.

Each progressive spirit is opposed by a thousand mediocre minds appointed to guard the past. ~ Maurice Maeterlinck

Contempt, prior to complete investigation, enslaves men to ignorance. - Dr. John Whitman Ray

In a time of universal deceit, telling the truth is a revolutionary act. - George Orwell

If you want to make someone angry, tell him a lie; if you want to make him furious, tell him the truth.

All truth passes through three stages. First, it is ridiculed, second it is violently opposed, and third, it is accepted as self-evident. -Arthur Schopenhauer Philosopher, 1788-1860

As scarce as truth is, the supply has always been in excess of the demand. -J Billings

Don’t confuse your opinion with the truth. -W. Erhart

Its a rare person who wants to hear what he doesn’t want to hear. - Dick Cavett

The power to fit in with one’s social peers can be irresistible. To a human lemming, the logic behindan opinion doesn’t count as much as the power and popularity behind an opinion. - Norman Livergood?

If the truth is that ugly -- which it is -- then we do have to be careful about the way that we tell thetruth. But to say somehow that telling the truth should be avoided because people may respond badly tothe truth seems bizarre to me. - Chuck Skoro, Deacon, St. Paul's Catholic Church

Accept it or reject it; you have to know it. -Mrs. McKay, RYCI Geology teacher

We serve no one by withholding information. We do not serve ourselves by refusing to investigate.

Lack of information never assisted anyone. Accurate information allows us options; we can choose to takeaction based upon it or choose to ignore it, but not knowing does not assist us. So put aside yourpreconceived notions, your psychological defence mechanisms, and your prejudices. Take a chance onremembering what could well grant you complete economic, emotional, and spiritual freedom.

Any “Logics” course will teach that we can have a completely logical system which reaches a logicalconclusion yet it is not true because it is based upon a false premise. The mind seems not to care if it reactsfrom something that is untrue as long as it feels certainty. So, the best position from which to learn is from‘uncertainty’ - ‘being in the question’.

“Can we afford to be so arrogant as to pretend we know something we don’t know, the knowing ofwhich could transform our lives - W. Erhart”

Many people have ruined their lives when they could have prevented it .... but for want of opening their minds.

I have used abbreviations for nouns such as the alphabet agencies of the government/’gov’t’ including:

$$$ - what is commonly thought of as ‘money’ Money - something of intrinsic value, no longer in existence since 1933 IRS/CRA - Internal Revenue Service/ Canada Revenue Agency FRB/BC - Federal Reserve Bank/Bank of CanadaFRN/BCN - Federal Reserve Notes/ Bank of Canada Notes USD/CAD - US Dollar/Canadian Dollar USA/CA - the corporations USA/CANADA USG - foreign belligerent corporation masquerading as the united States/American government CAG - foreign belligerent corporation masquerading as the Canadian government Can/Am - Canada/America - the people and/or the territory UCC - Uniform Commercial Code - rules for commercial/contract law - the only law in operation today UCC-1 - Financing Statement, filed in USA PPSA - Personal Property Security Agreement - a Financing Statement, filed in CANADA EFT - Electronic Funds Transfer IMF - International Monetary Fund/World Bank/Vatican/Crown (private section of London, England) PTB - Powers-That-Be/Zionists/Illuminati/Masons/Global Elite/International Bankers/NWO (NewWorld Order) SSN/SIN - Social Security Number/Social Insurance Number (socialist numbers) SS/CP - Social Security/ Canada Pension BAR - British Accreditation Registry/ Regency, the Agency which grants attorneys a BAR card, not to be confused with a ‘licence to practise law’.

Banksters - public entities/gov’t agencies which confiscate funds, property, assets of the Can/Am people for the purpose of collecting the interest on the debt due to the Involuntary Bankruptcy of USA/CA ACIM -A Course In Miracles by The Foundation for Inner Peace (three spiritual texts) Intuition - Higher Self/Holy Spirit/Jesus/Angels/Guides/Higher Consciousness/ Universal Intelligence/ ‘gut’ Knowing/Collective Unconscious/Spiritual Middle-man between the Creator and me.

A man and a woman met at a party on a Friday evening and were immediately attracted to one another. After some perfunctory chit-chat he invited her to his house where she remained the entire weekend. Thesex was great; the conversation was fabulous. They discussed their respective attitudes on every conceivablesubject; they reminisced over their childhoods, school, and previous lovers. They talked about everymember of their families; they described in detail their interests - many of which they shared, theiroccupations, and their friends. Throughout these intimate conversations they made love. He was a fabulouscook and so after going to the market on Saturday morning, he created sumptuous meals for the remainderof her visit. Each mentioned what s/he wanted in a mate and the other corroborated. Their was even talk of a future together. By Sunday brunch, each admitted to feeling as if s/he had known each other his/her entirelife and quite possibly even prior to this lifetime. Indeed, they had found their soul-mates. After supper on Sunday night when the end of their most ecstatic weekend was about to end, snuggled up watching aromantic movie, promising never to let the other go, she asked, “How much money do you make?” His response was, “That’s personal.”

What is it about $$$ that keeps us from being with each other? I suggest that $$$ is the most glaringevidence of our belief that we are separate from one another.

Remember the bumper sticker, ‘QUESTION AUTHORITY’. Everyone said it yet no one did anything about it. I did; I recognized it. I had known from a very young age that I, and none other, was my own and only authority. It seems I simply spent my life evidencing it. I never, ever, listened to anyone outside myself. The problem was that I also never listened to me. It took me decades to learn to trust my intuition.

The most important thing we will ever learn is who we are and this will require that we change our minds about who we think we are. This will require that we throw out everything we think we know and replace it with what we have intuitively always known. We must listen only to what our intuition intends for us.

Around 1996 I noticed that my family was getting broker by the month and my fear level increased exponentially. When I had to pay the telephone bill with a credit card I knew we were in trouble. I knew that the entire credit card game was a scam due to my having read, back in 1990, a book called, Truth In Money by Theodore R. Thoren. I also knew from my study of A Course In Miracles (ACIM) that nothing is as it seems. Still, I didn’t know what to do about the banks telephoning every day demanding ‘payment’. I detected, by the desperation in their voices, that at some subconscious level they also knew that I didn’t really have to pay any credit card debt. I just didn’t know how to remove myself from the ostensible obligation. If I had been truly obliged to pay credit card debt, these callers would have been kinder and just asked when and how I might be able to send them part of what was ‘owing’. Their rage was the tip-off that they were bluffing.

One day, as I was out running, I burst into tears and was forced to ask my Creator what to do. I knew, from A Course In Miracles that ‘God’ would not put $50,000 on the kitchen table in the morning for me to pay the credit card bills. I also knew that my real problem was not the fact of the matter, rather, how I felt about it. As Krishnamurti said, There are no problems apart from the mind. If I could just change mymind about what seemed to be a problem I felt certain I could resolve it. So I found myself asking the Holy Spirit, et al, to change my mind about my circumstances.

Seek not to change the world; seek only to change your mind about the world. - ACIM

The next day a woman rang me requesting a session of Rapid Eye Technology (energy healing). Her anxiety was that the IRS had been confiscating her husband’s veterans benefits to settle her ‘debt’ with them. All I could tell her, from my years of studying $$$, taxes, etc. was, “You know there is no law compelling you to pay tax on your income.” She DID know! I was delighted. I also told her, “If it makes you feel any better, you’re not alone - the credit card banks think I owe them $40,000. I know that I don’t really owe them, I just don’t know how to prove it.” Lo and behold, she said, “You just send the letters.” I leapt from my chair - my prayer had indeed been answered - ask and ye shall receive. She then produced a series of letters, the drift of which was to request the bank to provide me with three things:

1. validation of the debt (the actual accounting);
2. verification of their claim against me (a sworn affidavit or even just a signed invoice); and,
3. a copy of the contract binding both parties.

I was to write that, as soon as I received these three documents, I would be happy to pay any financial obligation I might lawfully owe. The banks can’t validate the debt because they never sustained a loss; they can’t verify any claim against me because I am not the NAME they are billing - more on this later. They can’t produce a copy of the contract because one doesn’t exist. What exists is an unenforceable unilateral contract. What the banks refer to as ‘your contract with us’ is not a valid bilateral agreement since the four requirements of a lawful, binding contract were not met on the credit card ‘application’, namely:

1. Full Disclosure (we are not told that we are creating the credit with our signature);
2. Equal Consideration (they bring nothing to the table, hence they have nothing to lose);
3. Lawful Terms and Conditions (they are based upon fraud); and
4. Signatures of the Parties (corporations can’t sign because they can’t contract - they are legal fictions).

Credit cards are win/ win for the banks and lose/ lose for everyone else - it is the slickest congame on the planet. My writing the letters worked for all but one account. The bank filed suit. I poured over all kinds of legal nonsense, none of which matters - how we handle banks now works beautifully, yet back in 1996, we were still fumbling - and so, since the card was in a NAME similar to that of my sons’ father, the bank came after him. He did not want to go to court and since I regarded this as research, not to mention adventure, I went in his place. (If you’re not living on the edge you’re taking up too much space.) When the administrator (aka ‘judge’) called his name, I stood up and said, “I’m here about that matter.” A year previous I had used a similar tactic when I went to court over a ‘seat belt violation’ and was promptly thrown into jail for stating that my name was nowhere on the ticket or the summons. Although I was accurate, I didn’t know the next step. This time I knew what I was doing. The District Court ‘Judge’ asked

me my name. I responded, “If I tell you, will I have entered into a contract with you?” He became irate. I knew I was onto something. He furiously said, “I’m going to ask you again; what is your name?” I said the same thing again and was literally, bodily tossed from court. On my way out I told the bailiff, “I believe I hit a nerve.” I was ecstatic. As it turned out, I had indeed hit on the only issue which matters. CONTRACT. Contract Law is the only law. There is no Constitutional Law, Bill of Rights, Charter of Rights and Freedoms, no codes, rules, regulations, ordinances, statutes, or anything else which most people think of as ‘law’ which applies to free, sovereign people. They all apply only to corporate entities. There is only one law which applies to us: the law which protects the life, liberty, rights, and property of all living souls. That which causes us to think that all these ‘laws’ apply to us is the contracts/ agreements we have made, either wittingly or unwittingly. If there is no contract there is no case. Contract is the law. Contractual Financial Liability is all that matters; it must be proven.

When I was in grade 3 (1957), my teacher was telling us about Magellan being the first white man to circum-navigate the globe. This wasn’t particularly difficult for me to accept, and yet, suddenly I sat back in my chair and looked at my fellow students and was hit by the realization, “She could tell us anything.”

From then on, I became suspect of everything which might be construed as propaganda or about which my mother had warned me, “Consider the source”. By that she meant, always look for a vested interest. Question the credibility of the source. Who says so? Quo warranto (by what authority)? Who stands to gain? This is now commonly known as, “Follow the money”.

From that day on, I became highly suspicious of the true purpose of my being ‘schooled’. For those interested in ‘education’ I suggest you read John Taylor Gatto and in particular, The Underground History of American Education. Schooling is a huge waste of time, talent, energy, and creativity. There is little to learn, that school offers, until we are out doing what we want to be doing. Apprenticeship worked which is why the PTB (powers-that-be) don’t want anyone apprenticing anymore, they want us in gov't-operated schools - to waste our lives learning what no one wants to learn, and what no one needs to know. The entire concept of life is that we learn as we go; schooling is anathema to this natural concept. Gatto wrote, "Children allowed to take responsibility and given a serious part in the larger world are always superior to those merely permitted to play and be passive."

At the age of twelve, Admiral Farragut got his first command. I was in fifth grade when I learned of this. Had Farragut gone to my school he would have been in seventh.

A psychologist once told me, “Don't ever do anything for any male over the age of 10 unless you are specifically asked.” We are destroying our children by prolonging childhood. This is by design of the corporate monsters, Dewey et al. Kids ought to be out doing what they want by age 12 and we ought to be available ONLY for counsel. I told my boys that in my books, age 13 is the age of majority.

It seems the purpose of the so-called educational system is not to educate us to be free-thinking natural beings, but rather to distort what is really going on in the world and also convince us that we will be happy if we just get a good education in order to get a good job in order to make a lot of money in order to buy as many worthless items as possible, and thereby become dependent upon them, in order to create as much debt as possible, thereby enslaving us on all counts - programming, slave-labour, debt, addiction, and ultimate confiscation of property - the first plank of the Communist Manifesto. Please keep in mind this goal as you read and it will become clear that not only is this precisely what is going on but also that there is a lawful and spiritual way out of it. Your peace of mind depends upon it - and isn’t this really all we truly want?

I knew at age nine, when my parents pulled the “Eat your dinner; there are children starving in China” routine, that there was something drastically wrong. Certainly the mere fact that someone knew that there were starving children meant they had the means to do something about it and I noticed nothing was being done about it - by those with the means. Sure, CARE packages, which depended upon the generosity of the people, were being sent, yet I soon learned that the reason the problem continued is because someone wanted it that way. It would have been easy to correct if indeed the PTB wanted it corrected - same as every other ‘problem’ in the world. So I learned at a very tender age that the entire system is ‘designed not to work’ and hence, ‘things are not what they seem’.

At age 9 I experienced my first commercial success. I wanted a hula hoop and on my way home from school I went to the local smoke and gift shop to look longingly at a big, red hula hoop hanging on thewall. The cost was $2.98. I was shocked and appalled. I told my father, who happened to work in the

‘plastic tube’ business, the cost of the hula hoop, and he explained to me that it cost only pennies to make.

I returned to the store the next day to stare at it with the thought, ‘if only...’. Finally, I said to the storeowner, “I really want that red hula hoop. I think $2.98 is too much for a child my age to pay.” On my way home from school the same day I went in and noticed that he had dropped the price to $1.98 so Ibought it. If you don’t ask, you don’t get.

In 1968 I told my mother, “I don’t know what to do with my $$$; I don’t trust the banks.” I don’t know why I might have made this comment because my father thought the banks were great so I didn’t get any cues from him. Au contraire, when my brother failed a grade at school, he told him, “You just lost $10,000 dollars.” Clearly he saw life as the means to accumulate $$$ and anything which ‘went wrong’ in life was measured thus. Mum looked at me askance at first and then said, “You’re probably right. Buy‘things’. Every day the value of ‘money’ diminishes through inflation and pretty soon you will rather have things than valueless money.” I think she anticipated another depression. If she were alive today, I feel certain she would be very aware of the imminent economic collapse. I like to think she might see this as‘good news’ as opposed to how most people see it, if indeed they see it at all.

When I was twenty I worked for a bank. After six weeks I told the teller next to me that I figured out how to rob the bank and I described to her my methods. I’d tell you but I don’t recall and besides it would no longer be true due to EFT (Electronic Funds Transfer) banking. I thought she would be excited but instead she was clearly horrified and the next day I was given notice to leave. My father always told me, “Get yourself with a good company”. This, coming from a man whose ‘good company’ had him working nights when he was 59, fueled my position that we are meant to do what we love to do... and nothing else.

After I dropped out of university I went to work for American Airlines. After a month I told a fellow employee who had trained with me that I wanted to get my own place and then asked, “But how will I paythe rent when I no longer have the job?” She told me I was silly to worry about that. Within a month our training class of 5 was laid off. Each of the others was hired back; I was not. I learned later that I had scored too high on the aptitude test. Some hotshot executive had discovered that I was not within the‘hiring range’ for that particular job. Its not so much that I am brilliant as much as apparently I am equally left and right-brained, which is somewhat uncommon. Most people do well in either the Math or the English part of an aptitude test, but not both, as I had done, and so my score was off the charts. Now I had this expensive apartment. I wished that I had listened to my intuition.

I was always a Maverick. I told a friend, who happened to work as a teacher, that if I ever have children I will teach them that they are their own authority and never to let any teacher intimidate them. She was aghast and said in no uncertain terms that this was the problem in the schools today - no respect for authority. I mentioned that there is no authority outside oneself. I am my own authority. I added that teachers are part of the agenda which programs kids into believing that someone else knows what’s best for them. There is no limit to the agencies, professionals, and bureaucrats which exist solely to dictate how we ought to live our lives. Teachers, doctors, government, ministers, and bankers spend time, funds, and effort intending to convince children what to think. I determined that my children would think for themselves.

Joseph Chilton Pierce, in his book, Magical Child, advises parents, “Children think their parents are perfect, so use this and be an example. As soon as we go to an ‘authority’ (doctor, teacher, minister) we lose our power. The child wants to think of us as omnipotent since he knows he can become that ... if we are.”

I read that J. P. Morgan had said, “I don’t want a lawyer to tell me what I cannot do; I hire an attorneyto tell me how to do what I want to do.” So I told my boys, “I understand that you don’t want me to tell you what you can’t do; you hired me to tell you how to do what you want to do.” Alas, I have since learned that my boys are too subjected to mind-manipulation (school, TV, friends) to grant me any credibility. (I was a great parent before I had children.) Parenthood is like a 20-year sentence, except in jail they let you read.

The best thing about having children is finally getting to understand why we (all) felt neglected by our parents. We have, as they had, lives to lead and we children were only a part of it. As children, we presumed we were their entire purpose in life. Feeling the neglect was painful only because we blamed our lack of worth for any inattention. When we have our own children and realize, that as much as we love our children, they still are not our entire lives although for awhile we are theirs. It allows us to see it wasn’t our lack of worth which kept our parents from focussing on us 100% of the time, it was that they had a life of which we were only a part.

About thirty years ago I heard Peter Fonda say, on a talk show, “Try not paying your taxes and findout who owns your house.” My eyelids flew open like Venetian Blinds and I suddenly knew that I knewthis and somewhere hidden in my psyche was the entire story. 9 As a teenager, I worked for both corporations and smaller, privately-owned companies. Never conscious of it until much later, I noticed that while working for a small firm or real living souls, I would faithfully put 10¢ into the jar for coffee when doing so was based upon the ‘honour system’. The goods belonging to the privately-owned company were not mine until I compensated them in some way. Much later I realized that when I had worked for corporations, I would rob them to the extent of my ability. I think intuitively I knew that anything a corporation ostensibly ‘owned’ was already mine, because I had pre-paid everything (more on this later). For awhile I put it down to anonymity, but it wasn’t that; it was the fact that I knew it was mine ... and I was accurate. Again, my intuition was correctly guiding me and this is why I never felt any guilt.

In the early 1970s I was in the car with my father and brother. My father was telling my brother to put the ‘maximum allowable’ into RRSP as it was a great investment as he won’t pay tax on that amount until he takes it from the account. I’m surprised my father didn’t see the problem with this since he was so acutely aware of the insidious graduated income tax not to mention the worst tax of all - inflation. My bro would pay much more tax later than he ever would then. Again, I recall sitting back and looking out the window and intuitively knowing that not only would he never see any of his RRSP investments but also he would never see any of his company pensions. If you think I am inaccurate, because you are already receiving yours, you must be older than I am. I’m referring to us baby boomers; we’re in our 50s and we will not see our pensions at age 65. If you feel fear from reading that, be certain to recognize that your fear is not about your future; it is about your belief in your powerlessness. Why would you think that there being no government financial security in your future has anything to do with who you are and what you can do? I’ll get to this in Part 3.

In 2002 my friend told me she was frantic about $$$, in particular, paying the mortgage. She flailed her arms in frustration when I apprised her that there was nothing to pay, not to mention nothing with which to pay. She said, “If I can just hold out another 12 years (age 65) I can collect my pension. I told her she’ll never see it. She dismissed me with a wave of her hand.

All the property of this country now belongs to the state and will be used for the good of the state. - FDR, 1933

For you Canadians who are feeling smug that this is not happening in Canada, consider that Canada is the 13th Federal Reserve District. Both USA/ CA, the corporations, are subject to the jurisdiction of the Crown/Vatican. Can/Am is not ‘a free country’. We are not free until we realize ‘who we are’. What I write applies either to America (Canada and the united States) or to USA/CA (corporations). There are certainly differences in our cultures but don’t kid yourself about jurisdiction.

I always attributed to my cynicism these intuitive glimpses into the future until I learned that in 1993, in Canada, Bill C-124 was passed which states approximately: In order to pay the national debt (as if there were any national debt) the government might be required, and now has the legislation in place, to confiscate the pensions, RRSPs, investments, property, and all other tangible assets of the people. This scheme is a ruse. I’ll explain later how the Feds will legally (not lawfully) be able to do this.

Right now though, remember, the entire raison d’etre of the government is to confiscate your property under the guise of your having lost it because you couldn’t pay your ‘debts’. Unfortunately, most people have fallen for this and most will continue to do so until they have nothing left which, I’ll explain later, is not as horrific as you might think ... so lighten up. Living souls cannot have ‘debt’.

There is nothing to fear about the imminent collapse of the global financial prison. - David Icke

In 1975, after my mum died, I went into nurse’s training. During my psychiatric rotation I had a patient called Bruce, who had been diagnosed “paranoid schizophrenic”. I’d always thought schizophrenics simply interpreted the illusion of life on this planet a bit more accurately than the rest of us and that there was nothing ‘wrong’ with them; au contraire, there might be something wrong with someone who would label another as ‘paranoid schizophrenic’. My teacher asked one morning, “Mary, tell us about your patient; what’s wrong with Bruce?” “Nothing is wrong with Bruce. He is a typical 19 year-old - a few drugs, a few problems .... nothing wrong.” She was incensed by my attitude and raged, “Of course there is or he wouldn’t be here.” I didn’t have to take this nonsense so I got up and left the room.

On my way out I wondered what I was intending to do. Ah! - I’ll look through his chart for ‘evidence’that there is “nothing wrong with Bruce”. Just as I went for his chart I noticed that a doctor was writing in it. I said, “Just the man I want to see! What exactly is wrong with Bruce?” He answered, “Nothing; I’ve just discharged him.” Do I have horseshoes up my ass, or what? So, I said, “Will you go and tell my teacher this; she thinks I’m being contrary. And he did. I was a big hit with my fellow students. I realized

just how important my timing had been. When another incident re-enforced this I vowed to act accordingly from then on.

After a year or two of the frustrating nonsense of nursing -Idealism is what precedes experience; cynicism is what follows. - D Wolf -I was bored and thought I ought to go to Florida for the winter. I was hitch-hiking through Florida and I was picked up by a truck driver. They are well-known for being safe so without compunction I climbed aboard.

After a bit, he told me he was going to stay at the Ramada Inn and carry on in the morning. It was only late afternoon so I thought I could make it to Orlando and told him that I was going to continue hitching. He graciously told me that if I didn’t get a ride I could join him for supper. He would even put me up for the night because he always got a room with two beds.

On the road I noticed coming towards me from the direction I was heading, a man leaning out of thewindow of his VW bug. He got off the highway, swung around and stopped beside me. He was blond and blue-eyed, with a smile to beat the band. He asked me where I was headed. “Obviously not the same place you’re headed.” I told him I was from Toronto and headed for Orlando. Then he mentioned he was going to an art show and that if I were still here on his way back, he’d pick me up since he lived in Orlando. This was laughable and I told him I would not be out here for long, because if I didn’t get a ride I had planned to go into the Ramada Inn and let the truck driver buy me dinner. He shrugged and waved good-bye.

I did not get a ride and so I did get dinner with the truck driver. Then we went along to the bar where he proceeded to get very drunk. I told him I was going to bed and got the key. He stumbled in after another hour. I was in bed with my clothes on because I had become wary when I saw him so drunk. After several lewd propositions I told him if he said one more thing to me I’d have to leave. His last ditch was, “How would you like to wake up in the morning with a smile on your face and $50 richer?” That did it. I jumped up, grabbed my stuff and stomped out. If I couldn’t get a ride at 4:30 in the afternoon, where did I think I was going at 11:30 at night? I quickly thought I could approach a kind, married, business man in the bar - you know the type - one with a daughter my age.... and tell him my horror story. Men are always happy to protect young women from other lecherous men. Alas, there was not a soul in the bar. In a panic I just threw open the door to the bar which led outside. Coming up the driveway at that instant was the handsome man in the VW bug. “Hey, Toronto! Where are you going?” I threw my bag into the back seat, my body into the passenger seat, and said, “With you.” I learned from that incident that if I just be myself, everything works out, particularly my timing; it was precise. Due to this realization one would think that I might have the moxy to do anything I wanted with no fear of failure. Alas, the fear had been so ingrained over the years that I regarded that episode as a fluke rather than an example of the possibility for all circumstances in which I found myself. All I had to do is remember who I am. I notice that when there appears to be any struggle at all to do anything I feel compelled to do or accomplish, I can count on the timing being off. When I just “do what’s next”, everything works out.

I worked as a nurse, on and off for 25 years ... ‘on’ when I needed the cash, and ‘off’ when I was bored and frustrated by the unethical nature of it all ... I never saw or knew of anyone - patient, friend, or relative - who died of cancer. They all died of the ‘medical treatment’ for cancer.

Nurse’s training was cheap, brief, and I could go anywhere I wanted - like California, which I did. In the early 80’s I was earning $22 (USD) an hour. When the IRS sent me a bill for a tax they thought I owed, I smelled a rat. We’ve all heard horrendous IRS stories. Since we are programmed to fear, these stories can influence our behaviour, however, if we are aware that fear itself is the killer (“do not take counsel from your fears”) then we can notice it and behave in a manner which works for us. So I challenged them. I noticed that they could not support their claim. I also noticed that the amount they claimed I owed rose dramatically with each letter and for no apparent reason other than they added penalties, late fees, interest, etc. The higher the amount, the clearer their scheme became to me. I also noticed that every letter came not only from a different entity but also with no signature, thereby rendering it an invalid commercial instrument. All invoices, in order to be valid, must be signed by someone able to bind the corporation in contract. We are not lawfully bound to pay anything which is unsigned. Think of all the‘statements’ you receive which read ‘amount due’, yet have no clout as they are incomplete.

I shan’t outline my interim steps, yet here’s the drift about what allowed me finally to deal with the IRS. I admit it took years, however it’s interesting that of all the people with whom I not only chatted about the IRS but also treated for anxiety over the IRS, I noticed they all had one thing in common: the IRS sent them a bill, the amount of which was above and beyond anything credible. Anyone with a brain can see that this is what blows their cover. If they sent a bill for $2,000, one might be inclined to pay it. But a bill for$23,000 when one earns only $30,000 is simply laughable. It is this which gets people to declare they will

never file or pay again. There are now over 45 million people in the uSA who are no longer filing 1040s.

Those who file 1041s can get back all the tax they have ever paid. I am just now learning about this. I’m sure there is something similar, that of filing for a ‘Trust’, in Canada.

IRS agents now openly admit that they have what is termed, “fishing expeditions” whereby they send out a few million “Notice of Assessment” just to see who bites. The amount is not enough to create so much angst as to get questioned on it yet enough to make it worth their while. Most people will figure that a $2,000 bill from the IRS is not worth fighting and/or going to jail over so they pay it. If the bill were $25,000 all hell would break loose. Imagine $2,000 from several million unquestioning taxpayers; wow.

I actually began to suspect that IRS agents, at some unconscious level, want to expose their own fraudulent activities - clear their conscience, so to speak, and this is why they send out these inane letters.

Yet, as David Icke says, “Those at the top of the pyramid are the manipulators of human consciousness. They are sentient programs with no soul.” So, there is not one iota of divine intervention at the IRS/CRA; rather this is a case of four things;

1. they are desperate,
2. they are surreptitious,
3. they get a percentage of the $$$ they recover,
4. they require our fear in order to stay alive.

They think the extortive ‘total amount owing’ frightensus when in fact it is laughable.

1. They are so desperate that they will do weird things which blow their cover. The IRS/CRA is so frantic about collecting cash in order to pay the interest on the loan from the World Banksters that it will even behave in a self-defeating manner. It frantically sends out statements from every remotely conceivable source - have you ever noticed that you never get one from the same person/ office more than once?

This is because they are scrambling and no one knows what anyone else is doing, not to mention that the name at the bottom of the statement is the name of the computer which generated the letter. There is no living soul behind the letter. The timing is ludicrous and the wording is ridiculous as letters are actually based upon an IRS Manual called How to Write a Non-Response Response. Take a look at some of their letters and you’ll realize that they have been composed by a group of monkeys, not unlike those whom Bob Newhart describes in his skit, An Infinite Number of Monkeys. “If you take an infinite number of monkeys and an infinite number of typewriters, over an infinite period of time, they will ultimately type all the great works.

Needless to say there would have to be people hired to monitor what the monkeys were turning out. Here is a day in the life of one of these monitors: ‘Oh, Harry, I think we might have something here! “To be ... or not ... to be ....... that is the ......... Gazornin Plan.”’” Next time you get a letter from the IRS/CRA, just picture this same scene in your mind and you’ll know with whom you’re truly dealing.

2. What the IRS/CRA want is for you to create a controversy. They make this ‘amount owing’ so ‘off the charts’ that you will either telephone or write to them about this ‘outrage’ thereby creating a contract with them. This is all they need to enforce their nonsense. I do not contract with thugs. They are worse than loan sharks. If you argue, then you have created a controversy and the entire issue can go to court in order to be adjudicated. If you accept their offer, where is the controversy? What is there to judge? The only reason any matter ever goes to court is because the officers of the court know that at some point you will unwittingly grant them jurisdiction over you. Until you do this, they cannot hold you - no matter what you think you might have done.

Call it luck, but one day I got a (signed) letter from some hotshot at the IRS stating that my account is ‘paid in full’ and apologizing for any inconvenience. The only explanation I can think of is that I never testified, argued, or contracted further with them; I only asked questions. You might have read recently about the pilot who won against the IRS in Federal ‘court’. She won because she had documented that she had continually asked the IRS to provide the law compelling her to pay tax on her income and they had failed to respond. Her affidavits proved they had defaulted so the judge ruled in her favour.

3. Each agent is vicious because he stands to receive personally a percentage of the funds he recovers from you. Don’t fall for his intimidation. Know that he is as frightened for his job as you might be about losing your $$$.

4. About 15 years ago, a man received from the IRS, a letter saying they intended to audit him. He was very frightened and intimidated. An IRS agent came to his house since this is where he claimed to have his office. I told him he was not required by law to let her into his house and he ought to demand by what authority she intended to investigate his business. He said, “If I’m co-operative and courteous, she will bereasonable.” His allowing her into his house was deemed his acquiescence thereby granting her jurisdiction. He thought it would end quickly yet it only allowed IRS to know they had another sucker who

fell for their bluff. The IRS hounded him for another dozen years until they levied his bank account and confiscated his ‘pay cheques’ from his customers. Realizing they would put him out of business, he left the country. It was fear which gave them this incredible control over his life. Had he turned around and looked at the monster chasing him in his dream, he would have seen that it was not what he thought. The nonsense ended only after I wrote the IRS a cheque (on the private side of my closed bank account) for $284,000.00. (more on this later)

The son of a fellow I know was fleeced by the IRS who confiscated from his bank account $11,000. He wrote them a letter which included five (5) questions. The IRS agent invited him to his office in order to answer his questions. At the time of the meeting the IRS agent returned to his account the $11,000. You might want to know what the five questions were. He asked for answers to the following to be made under penalty of perjury: the law requiring Americans to pay income tax, their regulatory authority and delegated authority to address him, the law which made the IRS part of the Constitution, the agent’s oath of office, and the contract with both signatures on it. Since NONE of these exists, his $11,000 was refunded. Since an oath of office by any ‘public official’ is their swearing to uphold our rights, we accept their oath of office into the matter at hand and they are bound to honour their oaths and stop attacking us. We are not bound to respond to anyone who has no oath of office. This Oath of Office limits those who are in the biz of confiscating our rights and freedoms. Always ask for it and if you don’t get one be sure to issue your own orders to them on what you want them to do. Remember who you are.

One of my most memorable experiences was when I asked an IRS agent, in person, to show me in the Internal Revenue Manual, which is about 5 inches thick - all of it bogus - where it is written that I must paya tax on my income. He pointed to the book and said, “In there.” “I believe that you think it is ‘in there’; show me where.” This time he pounded the book and then fluttered the pages and again, this time more forcefully said, “In the manual!” “I see ... where exactly?” Now he got even more violent with his beloved manual at which point my friend and I burst out laughing and just left him spluttering in his office. Don’t take these twits too seriously. Call their bluff.

CRA sent me a Notice of Assessment wherein they told me they had over-paid me and I was to returnsome $$$. This was due to their having confiscated funds from my ‘paycheque’, without my permission, when I worked as an RN. I sent them a Bond to discharge their debt and settle and close the account. Sure, I received a few subsequent letters from unknown entities. Since I had sent my Bond to Alan Nymark, the commissioner, I wasn’t about to correspond with anyone but him. He didn’t seem to have any complaint about my bond. I returned all the CRA correspondence, ‘acceptance denied for cause without dishonour’, since their letters were immaterial. I haven’t heard from them in months. If indeed I really ‘owed’ them something, my experience has taught me that they would confiscate, with impunity, the entire contents of my bank account. They did not. There was nothing wrong with my bond. We cannot pay for anything; there is nothing with which to pay.

One day I was on my motorcycle with my 7-year-old son on the back. I again heard my intuition, “Put down both feet at STOP sign.” I laughed; any motorcyclist knows that we keep one foot on the brake. However, a few blocks later, I was stopped by a cop. When I asked why he stopped me he said that I hadn’t stopped at the STOP sign. I responded (this was before I learned never to testify or argue the facts) that indeed I had stopped. He said, “You didn’t put down both feet at the STOP sign.” I was stunned! I had been told precisely what to do by some entity who could foresee what was about to occur and cared enough to warn me -verbatim. I was shaken that I had not trusted my intuition since the subsequent ramifications became a bureaucratic nightmare.

I became aware of many other times I had intended to warn myself about one thing or another and had ignored my intuition. Clearly my lesson in life was to trust myself - to BE my own authority. I had blatantly failed to behave according to what I knew to be true. I vowed always to listen to only me.

About 7 years ago, I received one of those, “Here’s $3,500 (USD) for a Happy Christmas .... just sign the back of this check”, where it outlined how much I would pay over whatever period of time I took to repay this alleged loan if indeed I cashed the cheque. I loved it. I mozied over to my bank, endorsed the cheque and was handed $3,500 FRNs. They were right; I did have a happy Christmas that year. When they sent me a statement about a month later, trying to collect something from me which not only didn’t exist, but also didn’t cost them anything other than postage and printing, I requested proof of their loss. They were flummoxed. They didn’t lend me anything. Understand that banks do not ‘qualify’ you in order not to lose $$$, they ‘qualify’ you in order to gain $$$; they don’t want to lend to educated customers. They can’t lose anything they never lent. I hear where your ego just took you ... ‘well, you got something for nothing’. No, I didn’t; I sold my signature for $3,500 - a good price back in 1997. All I got was $3,500

in worthless FRNs. Since then, I’ve done the math. My signature is now worth 15 billion dollars (CAD).

Then they got really jumpy and sent me threatening letters. I asked that they show me their loss. What loss could they possibly have sustained? Is my bank out any $$$? No, its books are balanced since they were electronically credited by the ‘other’ bank (there’s only one bank). Is the other bank out any $$$? No, the returned cheque with my signature was their credit. So their books were balanced. Were my books balanced? Of course! My debit was my signature and my credit was the cash. It is all just bookkeeping entries. Who owes what to anyone? The transactions are complete. It was simply an exchange of debit/ credit. Why would I give them anything more than what I already gave them - my signature, which is by the way, by far more valuable than $3,500 because they will lend funds against my signature many times, earning them, depending upon the rate of interest, at least 9 times that amount. This is called ‘fractional banking’ and their not apprising me of this is called ‘bank fraud’. So in fact I did them a huge favour by selling them my signature. They informed me that I had not ‘repaid my loan’. This is called ‘doublebilling’. It is fraudulent. The ‘money’ the banks issue is merely bookkeeping entries. It costs them nothing and is not backed by their wealth, efforts, property, or risk. From 1913 until 1933 the U.S. paid ‘interest’ with more and more gold. The structured inevitability soon transpired - the Treasury of the United States’ government was empty, the debt was greater than ever, and the U.S. was forced into involuntary bankruptcy. This means that the Crown laid claim to everything. In exchange for using notes belonging to bankers who create them out of nothing, based on our credit, we are forced to repay in substance - our labor, property, land, productivity, businesses, and resources - in ever-increasing amounts.

At that time I did not know what I know today and so they did put a smudge upon my credit record yet it was worth it because at that point, with a black mark anyway, I figured that I might just as well ring up all the credit cards and ask the same question. The upshot was that I lived about 3 years without credit but since I came away with about $50,000 USD worth of credit along with the education on how not to re-pay more than double for something I never received, it was well worth it. Meanwhile, the process has improved and I intend there to be only temporary black smudges on my credit record. I’m still working on this. My signature is worth whatever I say it is at any given instance. I signed for $10,000 credit with MBNA Bank. They sold my signature for who knows how much. After I used all the credit I had created, I discharged their debt. Yes, their debt; I allowed them to use my credit, via my signature, and they created the debt in order to balance their books. Now they wanted me to send them over $11,000. I asked them to send me a copy of the contract between ‘MARY’ (the name in upper case letters) and MBNA. I guess they couldn’t find it ... maybe because it never existed. I also asked them for validation of the debt (record of their accounting) and verification of their claim against me, since what I am called (Mary) was nowhere on the alleged contract. They began to telephone asking me to send them $$$ yet never put anything in writing. What does this tell you? They had no valid claim. I told them I was very willing to pay any obligation I might owe, if they could provide proof of their claim. They could not.

They were incapable of substantiating their claim. I never received anything from them suggesting that the manner in which I had paid them was insufficient, unacceptable, improper, or failed to discharge the debt. Besides, I did pay them; in fact I paid them more than double. They had my original signature and I also sent them another signature attached to the final amount they claimed I owed them, not to mention a few hundred I sent while I was busy ringing up the card, so they made a killing off me. If they had a legal leg to stand upon they most certainly would have written to me, not to mention sent their ‘legal counsel’ after me, which they did threaten, by the way, but only over the telephone, never on paper. Idle verbal threats have no lawful clout.

I never stiffed anyone. The ‘contract’ they believe I had with them was invalid because there was no full disclosure - one of the requirements of a valid contract. It was not spelt out to me that they were in the business of perpetrating fraud upon unsuspecting people. Since most people are willing to have their funds fraudulently confiscated, they generally leave people like me alone. They don’t want to let the cat out of the bag. It would mean the demise of their racket, not to mention the entire economic system. But isn’t this what we want? It isn’t working for us - 99% of the world’s population; its only working for them - 1%.

About a year later MBNA did in fact file suit against the entity listed on the credit card account. Even according to Financial Consumer Agency of Canada, MBNA are thugs and they advise ‘consumers’ to avoid them. MBNA is particularly vicious and the reason is because they have their own legal team. They don’t sell their accounts to third party collection agents, as most credit card banks do. Collection agents have no standing in law because they are interlopers and never contracted with the entity they claim owes them; hence they are powerless to collect on ‘deficiencies’. Rather than produce for MBNA my plethora of documents evidencing that they were in dishonour, as they failed to state a claim upon which relief could

be granted, that I had accepted their offer and returned it thereby vitiating any controversy requiring adjudication, I just settled and closed the accounting.

First, I apprised the Minister of Finance that I would be authorizing MBNA to use my exemption via a Pre-Authorized Transfer and unless he could rebut my position with relevant, specific, lawful authority and how it applies to me, I’d go ahead and send MBNA a transfer instrument, which I did. I made sure that I created a contract with my terms and conditions between MBNA and me. After I sent a Notice of Agreement, a Statement of Account showing the balance as zero, and a Confirmation of Agreement that the accounting was settled and closed, I never heard from them again. I figure $14,000 from my$15,000,000,000.00 isn’t going to hurt me.

A major law firm in Toronto threatened to sue me, on behalf of their client, CIBC, for about $11,000.

We exchanged a few letters and finally I wrote, “I am not a corporation or a government-created fiction; I do not give you permission to make a legal determination about me or the entity you are accosting; you have failed to provide evidence of a contract between MARY and LAW FIRM, also evidence of your consideration, and you have failed to sign your offer of contract under penalty of perjury. Said failure constitutes your agreement that you are a third party interloper, you have no legal standing, no first-hand knowledge of the matter, and your claim is fraudulent.” I never heard from them again. I knew that I had succeeded when I got a call from a collection agent claiming to be collecting for CIBC. I could hardly contain my glee. This confirmed that the law firm had told CIBC that they could not sue me and so, infrustration, CIBC simply sold the account - again - to yet another collection agent who also threatened to sue me. I told him I look forward to it. You know I was dying to ask him, “If a major law firm in Toronto failed in its attempts to sue me what makes you think you will succeed?”

I had no idea that speeding fines in BC are so extortive, yet, I actually like the idea since, the grander the charges for which I can stiff them, the happier I feel. My friend got a ticket for $358 for over 30 km. over the speed limit. Apparently, the fine for over 30 km. is automatically over $300. I just had her write across the ticket, “I reject your offer of contract”, complete an affidavit, and tell them she wants an affidavit made under penalty of perjury to accompany their offer of contract. That was the end of that. I ought to mention that since implementing any of the above-listed successful remedies, I have been even more successful with easier, faster, more succinct remedies which I would outline here for you yet we continually improve them.

Is anyone tired of the GST or just sales tax in general? I drew myself up a “GST, Sales, Excise, and Use Tax Exemption Certificate”. No one is required to pay any tax on anything yet I use it just for bigticket items and gasoline. Gas tax alone is 37% of the gas bill. Or you can just let the feds know that you know there is no requirement for GST/ sales or any other tax and Notice them that since the taxes were paid ‘in error’ you are due a refund of the amount evidenced on the enclosed receipts. My suggestion for those in biz who are collecting GST for the feds and not being compensated for their time and labour is to enclose an invoice for your fee of maybe 90% for doing their dirty work for them, deduct that from what you have collected, and enclose a cheque for the remainder. Charging tax is hard on your customers.

I am still dealing with collection agents and credit card banks but I have way more fun with them now. I ask the credit card companies to send me a bill, not a statement, to include a copy of the contract, evidence their consideration (what they gave me, which was nothing, in exchange for the $$$ they want), and have it signed under the full, commercial liability of one who can bind their corporation in contract. Since they can’t do this and it would be fraud if they did, they pass it along to collection agents who are even more fun because, who are they? I never had any contract with them either. They are all third party interlopers/ debtcollectors. I just tell them to get out of my commercial affairs. I like best the ones who have the attorneys write the letters because .... the bigger they are, the harder they fall. My latest ploy is I just pay them with a transfer instrument.

The economics of banking is counterfeiting. We have been deceived into thinking that we were lent other depositor’s deposited funds. Banksters cause us to think that if we do not pay back those funds, the bank and its depositors will be out the cash. Remember, all you borrowed was monetized credit, which your signature created. You lent yourself the funds. Why are you paying back anyone? Ask a banker about this, as I did, and watch him stop breathing.

If a counterfeiter counterfeits $$$ and lends it to us, do we have any moral or legal obligation to repay the loan? NO ! The law (statute) says counterfeiting is illegal and that we do not have to repay the counterfeiter. But the banksters are careful. The bank’s own published manual claims, “Money does nothave to be issued by the government or be in any special form. Money is anything that can be sold for cashand which the banks accept as money”. Aren’t they a riot?

The story about Dan Mahowney who allegedly defrauded the bank out of several million $$$ and alsothe story about Frank Abegnale in his book Catch Me If You Can never took anyone else’s cash. Dan and

Frank signed for every note they received. They created the funds themselves. No one lost any $$$, neither the investors in Mahowney’s case nor Pan Am employees in Abegnale’s case. I’ll bet to this day, both these men think that they did something illegal. Yet, not one living soul lost any $$$ to either of them. The corporate entities pretended theft and had them punished in order to preserve and perpetuate the scam.

When you purchase something from a shop and then return it, why are they so intent on getting back your receipt? No, not to prove you paid for it, because you can’t pay for anything. This receipt is the evidence of exchange. The goods don’t matter, any more than the principle on a ‘loan’ matters. All they want is the interest. Look at your minimum payment due on your credit card statement; its only the interest.

The ‘loan’ doesn’t exist. They MUST pay the IMF the interest on the loan. A friend responded, “We don’t worry about money, if that’s what you’re asking.” I was glad to hear this but I know its only a matter of time. He and his wife are paying, via their labour, probably 4 times the price of their 5 bedroom house which translates into 30 years of paying for the cost of maybe 6 months labour plus the supplies it took to build. This disparate ratio seems never to be questioned. Whom are they paying? The banks. For what? Credit. Did they get anything for their labour? You might think they got their house for their labour yet they did not; they got their house for their signature on the promissory note.

Their ‘labour’ is the confiscation of their lives.

The actual process of money creation takes place primarily in banks ... bankers discovered that they could make loans merely by giving their promise to pay, or bank notes, to borrowers. In this way banks began to create money. Transaction deposits are the modern counterpart of bank notes. It was a small step from printing notes to making book entries crediting deposits of borrowers, which the borrowers in turn could ‘spend’ by writing checks, thereby ‘printing’ their own money. -Modern Money Mechanics, Federal Reserve Bank of Chicago

I first became aware that all my suspicions about the banking system were accurate when I read Thoren’s book, Truth In Money. I learned that all money is ‘borrowed into existence’. It doesn’t exist until someone borrows it. It is ‘debt-based money’, hence it is not really money since real money is based upon substance - gold, silver, etc. If ‘money’ is borrowed into existence, then this is all that exists. So, where is the ‘interest’? It doesn’t exist. How can it possibly be paid? It can’t be paid because it is not part of what is created. It simply does not exist. The currency we use is based upon our future labour which the Feds have promised to the banksters. It also does not yet exist. Future generations are already enslaved to pay a debt which does not exist.

We can’t pay debt with something of no substance. We also need to take a look at how the account statements were created. Goods and services are assigned a value; everything is only true because someone says so and someone else agrees to it. Do you ever question your bills, which are not true bills in commerce but rather ‘statements of account’? ... not the ‘amount due’, but the concept . What if you found out that everything you ever needed or wanted was already paid for? - that you didn’t ‘owe’ anyoneanything?

When you go into a store to buy a book and you pay in whatever manner you choose, what do you get for the payment? No, not the book; you get a receipt. The evidence for this is that the dollar amount on the receipt matches precisely the dollar amount on your payment. It is an exact exchange. The book is not even part of the equation. It was pre-paid; all you did was go to the store to claim and retrieve it. In order to understand the concept of ‘pre-paid’, imagine this: Suppose you want to open a restaurant and you just need another $10,000 and so you ask a friend to lend it to you. Knowing that there is no money and the currency your friend has is essentially worthless compared to what he truly wants in his life, he sure wouldn’t mind lending it to you. So after a couple of months you ashamedly go to him and say that there is no way you can ever pay him back, what with interest and all, yet you are so ingratiated to him you tell him that he can eat in your restaurant any time he wants - for free. Not only that but also you would be so grateful if he would because, alas, it would assuage your guilt. All he is required to do when the waiter presents him with an itemization of his meal is to sign it; he is not required to pay for his meal - its ‘prepaid’.

In the same way, our bills are already paid and in fact the corporate entity who is billing us would be only too grateful if we would take advantage of our having prepaid them because then they wouldn’t have to pay the tax on the $$$ we send them. So all that is required of us is to sign the invoice and return it to them. The telephone company is funded by the government; you and I, and everyone who has a birthcertificate or socialist number have funded the government. So, we have an ‘exemption’ the same way your friend is exempted from paying for his meals at your restaurant. Why is the telephone company sending us a statement (not an invoice) with a ‘amount owing’ on it? We paid up front. All goods and services are

now lawfully ours just for the asking.

For a few years I have been traveling around in my ‘92 Cadillac, originally registered, licensed, and insured in New Mexico. I can’t tell you how many people have told me that I was supposed to have registered it in Alberta within 45 days of its being here. How is it that ‘everyone knows’ this? Well, that would have been four years ago, so I suppose by their standards, I’m slightly overdue.

Since I know the difference between ‘registration’ and ‘recording’, I sent the Minister of Transport (I use the Ministers of the Canadian Government to work for me) a Proposal of Contract, the terms and conditions of which are that we agree that what I have put on my licence plate will identify my automobile as not one of theirs. It is mine. Also, I agree to carry with me a form of identification, which I created, in case there is an incident whereby they require to know who is involved. I enclosed a Surety Bond as security to settle any claim of liability in the event of an incident requiring compensation from another living soul. I sent a copy to the local gens d’armes. If I am asked about ‘proof of insurance’ I can honestly respond by providing evidence that I have posted a million $ Bond.

The RCMP has been very accommodating whenever I have shown them my ‘International Driver Permit’ which came from my computer. I slapped onto it a pic of me taken by my son and ... voila. They pretend their interest is in the expiration date, however, I know they are really noticing that I have nothing which can be construed as their having jurisdiction over me. (more on this in the section on ‘Licensure’).

If I’m ever stopped I have with me evidence of the tacit admission from the Minister himself that what I am doing is lawful. If it isn’t, he has tacitly agreed to be held culpable. Since I claimed the Cadillac on a UCC3 Addendum to my Financing Statement (UCC 1) and also on a PPSA, I control the Caddy and I can evidence that none of the constabulary can legally confiscate it unless they compensate me for it. Over the date sticker on the plate I put, “NO EXP” (No Expiry)

A fun thing to do if you are ever stopped by the cops, in response to, “Can I see your driver’s licence, please?” is “Why would I want one of those?” There is no answer because what legal lunatic would carry around the very thing which gets him into trouble. I think you’re safer with a 38 special on the passenger seat; at least it is not concealed.

Imagine when everyone begins to do what I and many others have done, the PTB will cease to function.

The only thing keeping everyone from doing what I do is fear, which is caused from lack of information, time, and clarity on the concept. I intend to change this for you so that you can begin to ‘live your life’, doing what you want instead of ‘earning your living’. Too many people are working way too hard to payfor:

1. things that are already theirs because they are pre-paid and all that is required is for them to claim them; and

2. charges which they are not required to pay because they are not liable for them in the first place.

Since I caught on to how to make contracts work for me, my best example being the confirmation of agreement to the terms and conditions of the contract I have with the Minister of Transport Canada, I decided to have way more fun with this process. I wrote to the Minister of Justice Canada telling him I intended to grow, process, market, sell, transport, possess, and use cannabis, aka marijuana. After 30 days I sent him a confirmation of his agreement to the terms and conditions of our contract and if I ever opt to grow, sell, and smoke dope I’ll just notice the local RCMP so they know not to bother me. One of the terms of our contract is that if I get into any trouble he agrees to be culpable.

Pursuing this adventure, I wrote to the Premier of the province and also the provincial Advisor for Procedure Policy for Municipal Affairs and asked them both about ‘property tax’. Neither could prove thatI am required to pay property tax. The way to stop paying any tax, never mind property tax, is to remember you are a sovereign and begin to behave like one. I intend to show the contract I have with them to those who have what I require. I’ll show people, my dentist comes to mind, how to save thousands per year in property tax and I’ll negotiate with them for whatever I need. Property taxes where I live are $5,000 a year.

I also sent a proposal of contract to Messieurs Nymark and McCallum (CRA Commissioner and Minister of National Revenue) along with my Tax Exemption Certificate, begging them to prove where I owe income tax. Time’s up. They have tacitly agreed that no one is liable for any tax, not income tax or any of the interminable list of other taxes, service fees, penalties, fines, etc. which keep people working at jobs they don’t like and from families they generally do. I estimated that the time I put into writing letters to credit card banks, along with putting up with their annoying calls, etc. works out to no more than 40 hours per creditor. Since the cash I receive from said credit is about $10,000, I realized that this is far more income per hour than I ever earned from the Medical Mafia. I admit it is inconsistent but certainly more fun. The law suit filed by MBNA was one of the

highlights of my life. I love this stuff. Knowing that the Toronto law firm which represented CIBC was forced to drop their intended suit due to my letter which let them know that I know ‘who I am’ was even better.

A few years ago I wanted to travel to Oregon. I always get nervous crossing the border, for no reason other than Border Patrol, like cops, have no sense of personal power so they obtain jobs which make them appear powerful; hence, their insecurity can be annoying. I hadn’t yet purchased a flight and so the cost had escalated by the day. By the time I got to the airport the price of the ticket was over $900 USD. I wrote a cheque on a closed US bank account and my relief that it was accepted assuaged my usual angst over crossing the border. To this day I wonder if the asset funds from my ‘closed cheque’ were ever credited to United Airlines or did I play a small role in their declaring bankruptcy only a few months later.

For those of you who think I stiffed the airline, think again. The cheque was written on the private side of the account - the closed side - which is not to be confused with the public side which is where the cash comes in. Remember the ticket was ‘pre-paid’ and so the private cheque simply accessed my exemption. The airline wasn’t out anything. Their account was credited, not with cash but with credit via EFT - electronic funds transfer. The benefit of this is that the airline didn’t have to pay tax on that income since it did not receive ‘fiat money’ which is why we are required to pay tax on it - it is not real substance, it is a fabrication of the bankster’s mind and they want a fee from us for using it. Since I used real asset funds, there was no tax for the airline to pay. They loved me for it. On that flight I picked up one of those classy magazines which sell everything anyone could never need and for Christmas I ordered a bunch of high ticket items. I sent a ‘closed cheque’ written against a US bank account, had the goods sent to a friend in New Mexico and she forwarded it to me. (the company wouldn’t accept a check for delivery outside the USA). All worked out well except that my friend had sent the goods via Fed Ex which then sent me a bill for $75.00 USD. So, I accepted for value their offer and returned it for settlement and closure of the accounting.

A month later I received not only another statement but also the ‘Summary Sheet’ detailing their‘claim’. I wrote to them asking what they did with my payment. A month later I received another letter which I didn’t open immediately. The following day I received a letter from a collection agent claiming they are collecting for Fed Ex which prompted me to open the Fed Ex letter. It was an apology for any inconvenience they might have caused me and that the bill was ‘Paid In Full’. I telephoned the collection agent and suggested they contact Fed Ex whose most recent letter states the account has been paid. End of story.

Have you ever taken a cheque to the bank on which a cheque was written and been told by the bankster that if you don’t have an account with the bank she will charge you a fee? The bankster is intending to convince you that she is doing you a favour by cashing the cheque for you. Nothing could be further from the truth. The bank is acting as fiduciary to its customer who wrote you the cheque and who also pays the bank a monthly service fee to do so. The drawer is the debtor who owes you, the creditor. He is obliged to come to your house and pay you. Since this is inconvenient for him he writes you a cheque and hires the bankster to save him the time and trouble. You shouldn’t even have to go to the bank; the bankster should drop by your house with the cash; and yet she has the audacity to charge you even though you made the trip. This is a business matter between fiduciary and client and you are not a party to it. Yet, the bankster will do anything to extort funds from you if she can con you into thinking that she is performing a service for you. She is not; she is doing what she was hired, by the bank’s client, to do. Don’t fall for it.


The Bankers Opt to Rule the World

There is afoot, a brilliant, albeit treacherous, scheme to control ALL the people and ALL the property of ALL the world. I wish I’d thought of it. I did suspect it at a very young age but of course had no reason to think I was so intuitive and accurate. Over the past 45 years, my suspicions have been corroborated, evidenced, and in fact played out. One could say that I anticipated it and hence it became my reality, and I shall expound upon this later, yet right now I intend to tell what is going on in order for you to have the option of changing your mind about how you manage your commercial affairs. World domination via confiscation of your $$$ is already on tap. England and the Rothschilds control the $$$ of every country of the world and therefore its laws. Two hundred years ago, Governor Cornwallis said, “The US will bring in the New World Order and its seat will be England.”

It may appear that what goes on is happenstance, but the gov’t most surely has planned it. - FDR

FDR was giving us a ‘heads up’ on what is really going on. His head, along with that of every other world leader, was/is at the end of a gun. They are doing as they are told by the Zionist Illuminati Masonic conspiracy/ Powers That Be (hereinafter PTB). What happened is all documented and if you investigate you can find a plethora of information along with case law, codes, rules, regulations, statutes, legislation, etc. to support my contentions. So as not to bog you down, I shall quote the sources of only the most significant.

Bretton Woods Agreement - 1944
This was the birth of the International Monetary Fund and from there all the foreign agencies - CIA, FBI, IRS, BAR - control everything via the 14th Amendment citizen - those who contract to become US citizens as opposed to remaining sovereign Americans. The sole creation of these agencies was for the purpose of collecting the debt. The US is a corporation owned by England - the Crown - the Vatican.

The 14th Amendment to the Constitution of the USA was in order to enslave those who contracted with the state, thereby giving up their natural-born freedoms in exchange for so-called benefits. Every ‘benefit’you believe you receive from the state, whether US or Canada, is at a cost, huger than you could ever imagine - unless you can keep it all separate as I have done. By contracting with thugs we hand over jurisdiction to them and no longer have any claim to rights. Fortunately, it is easy to take back our rights by revoking, rescinding, and canceling anything upon which we have written our ‘name’, ‘date of birth’, ‘socialist number (SSN/SIN)’, and ‘signature’ which might have been construed by the state/ banksters asa contract. Even having our post delivered to our house is considered a ‘government benefit’. I used General Delivery for a period of four (4) months after which time they intended to charge me. I discharged the charge yet it didn’t work because I had requested this service. This creates a conundrum because I was forced to request it since I didn’t want my mail delivered to my house; it is my personal policy not to reveal, to those who would confiscate my rights and my labour, where I sleep at night. All this stopped bothering me when I realized I can not be sued and no constabulary will dare to come to my house as I have confirmations of agreements with several Canadian Ministers who ensure my rights and hence, my safety.

By the way, Elizabeth, of the family of Windsor (who changed the name to sound British instead of the German royalty she is, but let’s not go there now) is not the Monarchy of Canada. HER MAJESTY QUEEN ELIZABETH II is a corporation just like any other fiction. It is unfortunate, not to mention treasonous, that all our politicians have sworn an oath to this foreign entity. Equally absurd is that Elizabeth, in her Coronation, swore to uphold the Laws of God. What laws might those have been? I’d like to hear her list them. There is none. Politicians’ oaths of allegiance to ‘the Queen’ are fraud and high treason.

Back to the gruesome story: All those industrialists, those bankers, whose names you’ve heard a million times, Rockefellers, Rothschild, Morgan, etc. decided that owing the world would be a fun game since, they probably had done everything else they ever wanted to do and were now bored. They devised a scheme to control the world. Wouldn’t we all do this if we had the brains and the means? Well, they had and they did. It was a simple case of bribing US politicians to overthrow their own money-creating system.

Congress was the creator of money and somehow congress was ‘talked into’(read ‘bribed’)handing this responsibility over to a private corporation owned and operated by these banksters. Not to make them wrong - I might have done this too if I’d thought of it - but they literally destroyed the united Sates of

America and every country which fell like dominoes thereafter once the corporation called USA was founded.

The Illuminati bankers rule the world through debt, which is money they create out of nothing. They need world government to ensure no country defaults or tries to overthrow them. As long as private bankers, instead of governments, create money the human race is doomed. These bankers and their allies have bought everything and everyone. -Henry Makow

I want either less corruption or more chance to participate in it. - Ashleigh Brilliant

Registration vs. Recording
“Registration” comes from Latin “rex, regis” etc. meaning regal. So think about what occurs to whatever you ‘register’ - you hand legal title over to the Crown. When you register anything with the public, it releases legal title to the government corporation and leaves you with only equitable title - the right to use, not own, and for that use you will pay a ‘use’ tax which is every tax, be it income, sin, sales, property, etc. as opposed to lawful taxes, excise and impost. So that it doesn’t appear that the government now owns the property which you have registered they put it in a name which so much resembles your own that you won’t suspect it, however, the NAME is owned by the government. If you choose rather to record your legal title to your property with the public, you maintain your status as Title Owner. This is one of the most important things you can ever learn for the sake of your commercial affairs.

The best example of the effects of registration is the birth certificate. A bankrupt entity - city, state/ province, country - cannot operate in commerce. So how do they manage? Since USA/CA have beenbankrupt for decades, having no substance such as gold and silver to back it, the only asset it has are men and women and our labour. We are the collateral for the interest on the loan of the World Bank. Each of us is registered, via the application for a birth certificate. The Treasury issues a bond on the birth certificate and the bond is sold at a securities exchange and bought by the FRB/BoC, which then uses it as collateral to issue bank notes. The bond is held in trust for the Feds at the Depository Trust Corporation. We are the surety on said bonds. Our labour/energy is then payable at some future date. Hence we become the ‘transmitting utility’ for the transmission of energy. The USG/CAG, in order to provide necessary goods and services, created a commercial bond (promissory note), by pledging the property, labour, life and body of its citizens, as payment for the debt (bankruptcy). This commercial bond made chattel (property) out of us all. We became nothing more than ‘human resources’ and collateral for the debt. This was without our knowledge and/or our consent, via the filing (registration) of our birth certificates. When mums apply for a birth certificate, the application is registered. The legal title of her baby is then transferred from mum to the State. Mum is left with equitable title of her baby whom she can use for a fee - a ‘use tax’ - and since the property does not belong to her, she has to treat it in the manner which the owner wants.

Colonel Edward Mandell House is attributed with giving a very detailed outline of the plans to be implemented to enslave the American people. He stated, in a private meeting with Woodrow Wilson(President 1913 - 1921),

"Very soon, every American will be required to register their biological property (that's you and your children) in a national system designed to keep track of the people and that will operate under the ancient system of pledging. By such methodology, we can compel people to submit to our agenda, which will affect our security as a charge back for our fiat paper currency. Every American will be forced to register or suffer being able to work and earn a living. They will be our chattels (property) and we will hold the security interest over them forever, by operation of the lawmerchant under the scheme of secured transactions. Americans, by unknowingly or unwittingly delivering the bills of lading (Birth Certificate) to us will be rendered bankrupt and insolvent, secured by their pledges. They will be stripped of their rights and given a commercial value designed to make us a profit and they will be none the wiser, for not one man in a million could ever figure our plans and, if by accident one or two should figure it out, we have in our arsenal plausible deniability. After all, this is the only logical way to fund government, by floating liens and debts to the registrants in the form of benefits and privileges. This will inevitably reap us huge profits beyond our wildest expectations and leave every American a contributor to this fraud, which we will call “Social Insurance.” Without realizing it, every American will unknowingly be our servant, however begrudgingly. The people will become helpless and without any hope for their redemption and we will employ the high office (presidency) of our dummy corporation(USA) to foment this plot against America." -Colonel Edward Mandell House


Go to Installment II of IV

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