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Wednesday, 22 January 2014

How to become a prisoner of conscience

Prisoners of conscience

Credit card debt, indeed any debt (including favours), holds its incumbents as prisoners of conscience. It can take from a human being, dignity, good morals, joy, relationships, honour and fidelity and can give to a human being, worry, bad health, pride and dishonour and much more. Even worst than money and material things is the non material personal debt of a favour or something owed.

Never lend and never borrow. You always have a choice. You have only yourself to blame when you get into any form of debt. 

Tuesday, 21 January 2014

Debt destroys more lives than war and famine - the debt killing machine

Debt can be a never ending cycle of confusion and for sure, decisions made while within debt may be very sensitive to criticism. However, on saying this, most people don’t start out in life to become creditors of the loan machine. Most people take an orderly and responsible approach to borrowing. They genuinely assess risks and balance repayments of loan borrowing within budgets. The lives and futures of many who have acknowledged the loan machine as a ticket to a quicker prosperity have led themselves into massive personal debt and a desperation that inevitably follows. Usually people caught up in such debt and desperation have moved through the stages of the loan machine and have become professionals at propping up their lives on equity that they may be able to release either from assets held or unearned future income. They may take on additional loans and then convince themselves they can repay from an income level that helped put them in debt in the first instance.

The “I want now” philosophy of the past few generations has crippled many families and even countries as people drag possessions from the future to have now, on the basis of income that is uncertain. They call it risk….

It’s not difficult therefore, to see that in most western countries, particularly the United States, both consumer personal and corporate debt have established themselves as foundations for growth in society. Western Europe and a substantial part of Asia and Russia and China, now also push for debt recognition in their societies; first corporate debt and then personal debt.

Many of the fastest growing economies in the world, such as Ghana, Ethiopia and India have been rated such by reference to their progression in the building of that nations’ infrastructure (roads, social facilities and social development) with little or no progress being made for the improvement in the living standards of their populous.

The step process after governments can create a framework for its people is for them then to inject capital into the community, through its people. This usually involves bank lending for business and large price tag items; in other words – debt. Eventually, the servicing of this debt can only come from the nations’ ability to be competitive and profitable in the world economy. Hence, to do so and to be competitive, wealth must pass through companies to individuals who will then borrow money to finance their progression through their own lives and communities and into another loan machine that is ostensibly at the control of their foreign paymasters.

Look all over the world now and it’s very easy to see how people get into debt and even easier to see how countries also become huge creditors of other nations. And so the cycle of the loan machine and debt will eventually come back to zero…..

Royal Mail knowingly Contributes to Multi Million Pound Fraud

As letter to the post office written to give advice and for public knowledge.

I was shocked yesterday when I called your office to complain at why you are allowing a mail redirection to be started without sufficient evidence of the customer’s residential identity. It seems that in spite of the impossible existence of a legal current dated document being produced by your customer, for example a recent utility bill for a fixed service like power or council tax, you are still allowing mail to be re-directed. In the circumstances an official letter or even a bank statement is insufficient evidence of residence as is, also, a passport or driving license. There is no doubt that the absence of appropriate proof of residence assists with fraudulent activities that may involve bogus benefit claims and bank or insurance frauds as well as other illegal activities.

In the circumstances relating to the re-direction from my apartment where I have lived for four months, there have been no other residents during the preceding 12 months due to refurbishment and with the request for re-direction being made for 12 months, it’s quite obvious that the Royal Mail have a caveat that is likely to cost someone in society millions of pounds every year.

My advice to you Mr Postmaster, please close your sack, your letters are falling out and people are losing money as a  consequence.