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Showing posts from December, 2023

Response to Alliant Credit Union

  Re: Loan Number XXXX To whom it may concern, My name is Zachary Moore, owner of the property at [address redacted]. I received a letter in the mail from Alliant Credit Union dated December 15, 2023 citing information regarding a mortgage contract between myself and Alliant. I am challenging the validity of this contract.  As you know, in order for a contract to be valid, both parties must put up valid property for consideration. Without consideration, no contract can be lawfully valid.  This property must be rightfully owned by each party.  In the case of Alliant, the money loaned would need to be an asset on Alliant’s balance sheet prior to closing. As the loanee, I put up my own property for valid consideration. I put up a promissory note representing my ownership of my work and labor, a down payment of nearly $100,000, and title to the property at [address redacted] What property did Alliant put up? Please provide evidence that Alliant provided me, the loaner with valid considerat

What is Money?

The Sign of the US dollar was a symbol of the United States, combining the “U” and the “S” together In my last post, I asked the question and answered “ What is a US dollar? ”. I demonstrated  that the dollar (today) is backed by nothing but the productive labor of the borrower and is an instrument of theft. Therefore, I deduced that the dollar (today) is not money.  In this post I will quote at length a speech given in the book Atlas Shrugged to answer the question “What is money?” If you want answers, you will find them.  If you don’t, you won’t. Work for money or don’t work at all.  “So you think that money is the root of all evil?” said Francisco d’Anconia. “Have you ever asked what is the root of money? Money is a tool of exchange, which can’t exist unless there are goods produced and men able to produce them. Money is the material shape of the principle that men who wish to deal with one another must deal by trade and give value for value. Money is not the tool of the moochers, w

What is a US Dollar?

We all work for money and are paid in US dollars.  But are those two things, money and dollars, the same thing? Many people don’t think so.  I explore this topic in my latest blog post: “What is a US dollar?” Tl;dr  The Definition: Money: An instrument of exchange representing created wealth. An asset to any holder. The US Dollar: An instrument of theft representing stolen wealth. A liability to any holder.  Therefore, The US dollar is not money. It is anti-money.  The Explanation: The definition of a dollar has changed over time. While most people would define the dollar as money used in economic exchange, this definition is insufficient at best. In this post I’ll do my best to describe the essence of a dollar.  How is a US dollar created? A dollar is created by banks in response to a demand in the form of a loan. Since it is created this way, what is it that banks are loaning out? They are essentially loaning out nothing and in exchange receiving tangible assets (real estate and the

The End of Popes and Presidents

 Over 500 years ago a German Theologian named Martin Luther eviscerated the authority of the Catholic Church with a few sentences.  “Unless I am convinced by Scripture and plain reason, my conscience is captive to the Word of God. I cannot and I will not recant anything, for to go against conscience would be neither right nor safe. God help me. Here I stand, I can do no other.”  Martin believed there was but one mediator between God and man, Jesus Christ. The Pope was a fraud. With the fall of Roman Catholicism came a rebirth of civilization. The rennaisance, the Enlightenment, the scientific revolution, America, democracy, the end of slavery (1865) and the Industrial Revolution.  However, the spirit of dominance represented by the Pope and the Kings of Europe did not die. They merely transformed. In 1882 German philosopher Friedrich Nietzsche declared “God is dead” and the philosophies that came out of Germany were no different than the ideas that came out of the Roman Catholic Empire

George Bailey is a Fraud

Do you find it interesting that the two bankers in Its A Wonderful Life both wind up miserable? Of course George Bailey is the altruistic sacrificial hero of 1946 and subsequently gets bailed out by the community at the end - a foreshadowing of the 2008 financial crisis. But between Potter and George Bailey, George, being the more sacrificial of the two, ends up suicidal after his altruistic moral code strips away his ability to leave Bedford Falls for college and travel. Again, if it weren’t for the bailout at the end, I wonder how we might have interpreted the movie differently. Elevating the need of others leads to mooching (consuming the unearned), bankruptcy (accounting for the theft), and suicide (a belief that your life is not worth living). Even the angelic intervention in the end is a reinforcement of sacrifice, showing George that his life is wonderful because of how other people have benefited from it. What about George? What about George getting what he wants? Isn’t that wh

The Law and Nature

The Law doesn’t dictate nature. It discovers, recognizes, describes, and codifies it.  Therefore, if it’s right, you MUST do it, no matter what the laws say If it’s wrong, you MUST NOT do it, regardless if it’s permitted by law.  Gravity does not consult the law of gravity. The law of gravity describes the nature of reality. If there is a flaw in our description of gravity, a plane will obey gravity, not the law.  Therefore, human law recognizes the nature of man and does not arrogantly dictate to men what they may and may not do. The law is therefore descriptive and predictive of human action, not prescriptive of it.  What is your nature as a Man? - You are free.  - You are capable of living by your own judgement. - You are worthy of any pleasure you earn.  - You are deserving of recognition.  - You are enough, no matter what.  - You are a Man.  You can condemn this nature and reality will condemn you.  Or…  You can obey your nature and you will be forever free. A man must learns that

Jesus Did Not Die For You

 Jesus didn’t die for you.  As we approach Christmas, you’ll hear many people talk about Jesus. They’ll say the story of Jesus is about the forgiveness of sins. They are likely wrong in the way they mean it. Not just wrong, but deadly wrong. There is a story of Jesus where he is arrested and brought before the courts. He’s innocent of course and the judge of the day recognizes this. Instead of letting Jesus go, however, he lets the crowd decide by offering to pardon him or an actual murderer.  The crowd pardons the murderer, sacrificing justice to murder, and orders Jesus to be executed, also sacrificing justice to murder.  Barabas needed the pardon. Jesus did not. The people, operating on the doctrine of sacrifice and need, betrayed the innocent because they hated the innocent. They forgave the guilty, because they were guilty. Beware of followers of Jesus Both John and Judas followed Judas to betray John to love  Both Elders and Disciples watched him The disciples to learn  The elder

Play or Die: Man’s Need for the Rule of Law

  When the Law is King The people invent games  That fill their night with dream And their day with song Did you know that Basketball (1891) and Football (1869) were all invented between the end of the Civil War (1865) and the creation of the Federal Reserve and the Federal Income Tax (1913), when rule making and law was the norm, not the exception. The first official game of baseball was played in 1845 in New York, 39 years after all Northern states had passed emancipation laws.  Slavery is a kind of anti-game because it removes almost all shared rules between black and white people. Central banking and income taxes is another kind of anti-game, allowing banks and the government to commit fraud and steal while the citizens practice honesty and work.  Ask yourself why you love sports and how you feel when one team has an unfair advantage, not because of superior play calling or talent, but because of the perception that the referees are on one teams side? Would you love football if one

Letters to Lawyers

To whom it may concern,  I have taken on tremendous amounts of debt. Currently this is what I have to my name: Aliant Credit Union - $786, 366 USAA Federal Savings Bank - $80,093 Chase Bank - $105,505 American Express - $48,254 Total Debt: $1,020,218 I would like to challenge each of these financial agencies on the basis that the money used to create the loans was made by fake journal entries and therefore fraudulent. Legal precedent is just about any fraud case, including the cases against Enron and Bernie Madoff.  If Enron can’t inflate assets, neither can Chase, AMEX, Aliant, or any other organization. If Madoff can’t fake journal entries, neither can the Federal Reserve.  I have public quotes from banking institutions where they admit that they are committing fraud when they create loans.  Would it be ridiculous for us to suit these institutions for fraud? Either way, thank you for considering.  Warmly, Zach

Letter to Lawyers: Fraud in Banking

Letter I wrote to a lawyer this morning. Just posting here for documentation and to warn as many people as possible. Share and plan accordingly  1. Buy gold and silver (apmex.com) 2. Buy long term food (mypatriotfood.com) 3. Build community (by sharing this with them) Buy everything from now on on credit from the bank because this is taking back from them what they have stolen from you.  The letter Hello,  I have taken out considerable loans against homes, vehicles, and other personal assets and face the prospect of foreclosure and bank reposition. I would like to challenge the bank’s claim to title of these assets in court.  When Bernie Madoff and Enron made fake journal entries into their books, they were rightly and lawfully prosecuted and convicted of fraud. (See links below) Banks, including Chase, Alliant Credit Union, American Express, and the financial arms of USAA and Porche, also create fake assets on their books using fake journal entries. (See quotes below)  Can you explain

Make mistakes and love yourself

  At dinner today my son asked me, “What would you say to someone who says ‘I hate myself!’”. First, why do you say that? He said it was because he made a mistake? Me: Did you make a mistake? Him: Yes. So that’s a truthful statement? Yes.  So you are someone who can know the truth? Yes.  And you are someone who can recognize their mistakes? Yes.  And so you are someone who knows good from bad? Yes.  And you are someone who can learn from his mistakes? Yes.  So you made a mistake and you know the truth, can recognize your mistake, and can learn from it. There’s a lot to love about you isn’t there.  Yes. I love myself.  Some people make mistakes and conclude that “to err is human”. When you recognize your mistakes, you say “to be aware (of truth and goodness) is human.” Your true self is aware, capable of knowing the truth, worthy, deserving, enough, no matter how many mistakes you make. Do not hate yourself. Your self is lovely and love can redeem a lifetime of mistakes.  PS We had pizz

By Law or By Crime - There is no middle road

An action that can be performed by all participants is a law.  An action that cannot be performed by all participants is a crime.  Crimes cannot be enforced, since there is no rule to enforce. Therefore, either I can create assets (money) out of nothing and deposit it into my account or the banks cannot.  Either I can steal (tax) my neighbor or the government cannot.  We can either all be criminals in hell with no one to exploit, or citizens under the Law with no one to punish.  There is no middle road  Note: Banks create money from nothing and trades that money to customers in the form of a loan. Either I can also create money from nothing and pay back that loan, or the bank can forgive the loan. Therefore, to challenge this practice of fraudulent money creation, citizens should take out loans to buy assets and pay back the loan with nothing (since the loan came from nothing).  This is playing the game by their rules.  Those who object to this play are not advocates for productivity,

“With Equal Justice for All”: The Promise of The Law in The New World

I grew up playing baseball and one of the things I learned in sports is that the game mattered more than winning or losing. I learned that cheating the game, corrupting the referees, or even violating a rule in secret stole the value of achievement away from both the cheater and the one being cheated. This is because the very concepts of winning and losing depended on everyone playing by the same rules. Of course I didn’t want to lose and would do everything I could to win, except cheat. When I lost, I learned. When I won, i celebrated. If I cheated, I betrayed that spirit of play that made the game worth playing, regardless of the outcome. Ask anyone who played sports as a kid and see if the loses made the game cruel and not worth playing. I predict that to a person they would say the game was great precisely because there were winners and losers and cheating really was the only thing that made the game cruel. How Do We Deal With Cheaters So what do we do with cheaters. We really have