Íbúðalánasjóður, 31.12.2014

Íbúðalánasjóður.

Við erum að vandræðast með skuldir Íbúðalánasjóðs.

Alþingi og stjórnkerfið setti reglur um íbúðalánasjóð.

Reglurnar voru þannig að fjárfestar, það er bankar og lífeyrissjóðir,

gátu látið endalausar skuldir falla á Íbúðalánasjóð.

Bankarnir til dæmis, tóku lán í útlandinu á lágum vöxtum,

til dæmis til fjögurra ára, og lánuðu til tuttugu ára,

á þessum lágu vöxtum.

Þá var mörgum lántökum leyft að skila Íbúðalánasjóðs láninu,

og taka lán á lágum vöxtum frá bönkunum.

Þá varð sjóðurinn að greiða sjálfur vextina af þessum lánum,

sem sjóðurinn fékk til dæmis frá lífeyrissjóðunum.

Bankarnir settu sig á hausinn með þessu, þegar útlendu bankarnir

neituðu að framlengja lánin.

Að sjálfsögðu er það Alþingis að láta Íbúðalánasjóð

lána frá „SJÓÐI-0“ á 0,5 % umsýsluvöxtum til 40 ára.

Hver króna greidd í íbúðarhúsi á aldrei að tapast,

Þannig að hafi íbúðaeigandi greitt 10% í húsi,

þá eigi hann þessi 10% af húsi, alltaf.

Fjárfestirinn getur alltaf hrært í gengi fasteignar gagnvart peningum,

peningar eru bókhald, það er hrært í bókhaldinu.

Við vitum að peningar eru bókhald.

Hér ættu að koma slóðir.

Kreppufléttan, endurtekið

Ég er fjármálakerfið

Er sannleikurinn skáldsaga, eða er skáldsagan sannleikur.

Meira seinna.

Ég laga hér að sjálfsögðu ef eitthvað er hér misskilið.

Egilsstaðir, 25.12.2014 Jónas Gunnlaugsson

Eðlið, það er stýrikerfið í okkur.

Eðlið.

Það er stýrikerfið í okkur.

Það er Microsoft 8.1..

Ef þú villt meiri þroska,

þá verður þú að meðtaka Windows, 9.0 eða 10.0

eða enn þroskaðri útgáfu.

Meira seinna.

Egilsstaðir, 31.12.2014 Jónas Gunnlaugsson

Learn, learn, learn. Læra, læra, læra.

Íslenska neðst.

Aftur,   Prosperity - uk

http://jonasg-egi.blog.is/blog/jonasg-egi/entry/1528300/

Egilsstaðir, 24.12.2014 Jónas Gunnlaugsson

"An Unlimited Amount of Money

Since the banks got into the housing market in the 1980s, with many building societies demutualising and becoming banks, they have become the major source of mortgages.

As banks are not limited to lending out only the amount deposited with them, but can create as much money as they wish in the form of loans to house-buyers, we now have a situation of an unlimited amount of money chasing a finite housing stock, which is the recipe for inflation. Even with twice as many houses available in the nation’s housing stock, house prices would still soar to the level that would enable the banks to squeeze the maximum amount of profit out of their borrowers.

This problem is particularly acute in London because this is where live the nation’s highly paid financiers, who easily earn the money to buy a nice place — and maybe a few more to rent out to the low paid!

The Privatisation of Money

In the years since 1946, when the Bank of England was nationalised, the amount of the money supply created by a public agency has fallen from 46% to 3%.

***

Currently the public purse benefits annually by about £1.5 billion on the profit of providing that 3% of the money supply.

***

By contrast, the banks, in creating the remaining 97% are subsidised by the British people to the tune of £50 billion every year.

***

If this privatisation of the money supply was reversed, then that £50 billion would be available to fund our public services without there being a need to increase taxes. Indeed, the nation could enjoy increased spending on public services — wiping out NHS deficits, giving students free tuition and maintenance grants, increasing pensions — and a cut in taxes!

The Money Fuse to the Climate Bomb

Debt, whether it is carried by an NHS Trust, a business or a family, is the greatest pressure under which anyone can labour. Yet whereas an NHS Trust, a business or a family can try to bring its accounts in order by earning more and spending less, a national economy and, far less, the global economy cannot.

Within such an economy one person’s spending is another person’s earnings. The global economy cannot spend less without earning less, and earning less will mean financial ruin for some people. It will mean families losing their homes, businesses going bankrupt and public services laying-off staff.

It is the frantic need for continued economic growth, both in this country and around the world, that is the cause of one of the world’s greatest threats: climate change.

The Solution

We can save the planet without causing a world-wide recession through the simple medium of removing the power of the private banks to create money. All money should then be created by a publicly-owned agency, which should be spent into circulation on public services.

Potentially, we could enjoy the benefit of both increased spending on public services and tax cuts together.

Removing the power of the banks to create money would mean that their lending would be limited to the amount of savings that they held, just as is the case with mutual building societies and credit unions.

This would limit the amount of money in the housing market and so end house price inflation.

But perhaps most importantly, we could end the current ‘dog-chasing-tail’ scenario of today’s frenetic and ultimately futile attempt of whole economies trying to escape from debt — when debt is the basis of their money supply.

It is this vain attempt to escape debt that is the cause of so much of humanity’s destructive impact upon the world’s climate and environment.

Boggling the Mind

The true nature of the money supply is so different to the popular perception, that trying to understand it and all the ramifications that stem from it is not easy.

***

Take your time, but not too much time, the longer the situation persists, the worse it will become and it will be the younger generation who will have to shoulder the burden.

***

The present entirely fraudulent money system is in place due to widespread ignorance.

***

Learn about the situation.

***

There are books on the subject, but the easiest way is through the web.

***

Armed with this knowledge, talk to your friends about this subject. Ask them where they think money comes from and how it is created. You will be surprised just how little most people know.

Only by ending this widespread ignorance can we end the great banking fraud and all the problems that stem from it". 

000

Þýtt úr ensku:

Ótakmarkað peningamagn

Síðan bankarnir komust inn á húsnæðismarkaðinn á níunda áratugnum þar sem mörg byggingafélög breyttu starfsemi sinni og urðu að bönkum þá hafa þeir orðið aðaluppspretta veðlána.

Þar sem bankar eru ekki takmarkaðir af að lána út aðeins þær upphæðir sem lagðar er inn á þá, heldur geta þeir búið til eins mikla peninga og þeir vilja í formi lána til húskaupenda, þá erum við núna í þeirri stöðu að ótakmarkað peningamagn eltist við takmarkaðan húsafjölda sem er uppskrift að verðbólgu. Jafnvel þótt tvöfalt fleiri hús væru til staðar í landinu þá myndi fasteignaverð samt rjúka upp í þær hæðir sem myndi gera bönkunum kleift að kreista hámarksgróða úr út kaupendum sínum. Vandamálið er sérlega brýnt í London vegna þess að þar búa hæstlaunuðustu fjármálamenn landsins sem þéna auðveldlega peninga til að kaupa fallegt hús og e.t.v. nokkur fleiri til að leigja út til hinna láglaunuðu!

Einkavæðing peninganna

Á árunum síðan 1946, þegar Bank of England var þjóðnýttur, þá hefur magn peningaforðans sem umboð í eigu almennings skapa fallið úr 46% niður í 3%. Núna græðir almenningur árlega um 1,5 billjón punda á hagnaðnum af að útvega þessi 3% af peningaforðanum. Til samanburðar er bankarnir niðurgreiddir fyrir 50 billjón punda árlega fyrir að búa til hin 97%.

Ef þessari einkavæðingu væri snúið við þá væri hægt að nota þessi 50 billjón pund til að fjármagna þjónustu við almenning án þess að þörf væri á skattahækkunum. Þjóðin gæti meira að segja notið aukinna hagsbóta: þurrkað út tekjuhalla sjúkrasamlaganna, gefið námsmönnum upp skólagjöld og námslán, aukið við eftirlaun og lækkað skatta!

Peningakveikiþráðurinn í loftslagssprengjunni

Skuld, hvort sem sjúkrasamlög, fyrirtæki eða fjölskyldur bera hana, er mesti þrýstingur sem hægt er að vinna undir. Þegar sjúkrasamlag, fyrirtæki eða fjölskylda geta reynt að koma fjármálunum í lag með því að vinna sér inn meira og eyða minna þá getur þjóðarbú ekki gert hið sama og ennþá síður hið hnattræna hagkerfi. Innan slíks hagkerfis er eyðsla einnar manneskju innkoma annarrar manneskju. Hnattræna hagkerfið getur ekki eytt minna án þess að innkoman sé minni og það að innkoman sé minni þýðir fjárhagslegt hrun fyrir sumt fólk. Það þýðir að fjölskyldur missi heimili sín, að fyrirtæki verði gjaldþrota og opinber fyrirtæki segi upp starfsfólki. Það er þessi hamslausa þörf fyrir áframhaldandi hagvöxt, bæði í þessu landi og um allan heim, sem er örsök einnar stærstu ógnar sem heimurinn stendur frammi fyrir: loftslagsbreytingar.

Lausnin

Við getum bjargað heiminum án þess að valda heimskreppu með þeirri einföldu aðferð að taka burt vald einkabankanna til að búa til peninga. Umboð, í eigu almennings, ætti því að búa til peninga sem ætti að setja í umferð í þjónustu við almenning. Hugsanlega gætum við þá notið gæðanna bæði af auknum fjármunum í almenningsþjónustu og skattalækkunum. Með því að fjarlægja vald bankanna til að búa til peninga myndi þýða að útlán þeirra myndu takmarkast við þær upphæðir sem þeir geyma, alveg eins og með sameiginleg byggingafélög og samvinnubanka. Þetta myndi takmarka peningamagnið á fasteignamarkaðinum og þar með binda endi á ofþenslu. En sennilega, og það sem er mikilvægast, þá myndum við enda tilgangslausan og ofsafenginn eltingaleik dagsins í dag hjá heilu hagkerfunum við að reyna að hlaupa frá skuldinni – þegar skuldin er grunnur peningaforða þeirra. Það er þessari árangurslausa tilraun til að sleppa undan skuld sem er orsök svo mikillar eyðileggingar á loftslagi heimsins og umhverfi.

Heilabrot

Sannir eiginleikar peningaforðans er svo ólíkir almennum skilningi að það að reyna að skilja þá og allar afleiðingar þeirra er allt annað en auðvelt. Taktu þér tíma, en ekki of mikinn; því lengur sem ástandið varir því verra verður það og það verður unga kynslóðin sem neyðist til að axla byrðarnar. Sviksamlegt peningakerfi nútímans er á sínum stað vegna útbreiddrar vanþekkingar. Þú skalt fræðast um stöðuna. Það eru til bækur um efnið en auðveldasta leiðin er í gegnum netið. Vopnaður þessari þekkingu þá skaltu tala við vini þína um efnið. Spurðu þá hvaðan þeir haldi að peningarnir komi og hvernig þeir verða til. Það á eftir að koma þér á óvart hvað flest fólk veit lítið. Aðeins með því að binda enda á þessa útbreiddu vanþekkingu getum við endað stóra bankasvindlið og öll þau vandamál sem stafa af því.

Egilsstaðir, 24.12.2014 Jónas Gunnlaugsson

 

 

 

Eru Júðar Júðar? Forvitnilegt hjá Mark Langfan

Á Júdea að vera Judenrein?

Forvitnilegt hjá Mark Langfan

Egilsstaðir, 23.12.2014  Jónas Gunnlaugsson

Op-Ed: Israeli Concessions are Seen as Proof Israel is Wrong

Concessions are seen as admissions that Israel is wrong, because Arabs do not concede anything in return.

Share on facebook Share on twitter Share on email Share on print More Sharing Services 163

 

Mark Langfan

 

Published: Sunday, November 16, 2014 7:04 PM

Mikli hvellur, Big bang er svarthol

Mikli hvellur,   Big bang er svarthol.

Við erum að reyna að skoða annan endann á svartholinu,

útstreymis endann, og köllum það miklakvell.

Þarna kemur streymið inn í okkar heim.

Straumurinn fer svo áfram út um okkar svarthol.

Díóða, ? það er einstreymisloki í rafstraumsrás.

Þá er um við staddir á milli tveggja díóða.

Við getum einnig sagt að við séum staddir í lygnu,

á milli tveggja fossa í ánni,

eða á milli tveggja fossa í lífs fljótinu.

Meira seinna.

Egilsstaðir, 10.12.2014 Jónas Gunnlaugsson

 

 

Hið heilaga andlega prestafélag. Vilt þú starfslýsingu?

Hið heilaga prestafélag

(er slóð)

Veist þú ekki hvað það er?

Það er félagsskapur þeirra sem gera,

þeirra sem byggja upp framtíðina.

Vilt þú starfslýsingu?

Hér er starfslýsingin.

ooo

Jesaja 58:6-11

⁶ Nei, sú fasta, sem mér líkar, er að leysa fjötra rangsleitninnar, láta rakna bönd oksins, gefa frjálsa hina hrjáðu og sundurbrjóta sérhvert ok,

⁷ það er, að þú miðlir hinum hungruðu af brauði þínu, hýsir bágstadda, hælislausa menn, og ef þú sér klæðlausan mann, að þú þá klæðir hann og firrist eigi þann, sem er hold þitt og blóð.

⁸ Þá skal ljós þitt bruna fram sem morgunroði og sár þitt gróa bráðlega, þá mun réttlæti þitt fara fyrir þér, dýrð Drottins fylgja á eftir þér.

⁹ Þá munt þú kalla á Drottin, og hann mun svara, þú munt hrópa á hjálp og hann segja: "Hér er ég!" Ef þú hættir allri undirokun, hæðnisbendingum og illmælum,

¹⁰ ef þú réttir hinum hungraða brauð þitt og seður þann, sem bágt á, þá mun ljós þitt renna upp í myrkrinu og niðdimman í kringum þig verða sem hábjartur dagur.

¹¹ Þá mun Drottinn stöðugt leiða þig og seðja þig, þótt þú sért staddur á vatnslausum stöðum, og styrkja bein þín, og þá munt þú verða sem vökvaður aldingarður og sem uppsprettulind, er aldrei þrýtur.

ooo

Ef þig vantar upplýsingar, þá hrópar þú í huganum, andanum á hjálp, það stendur þarna, vers 9,,

Hver eru verkefnin?

Til dæmis húsnæðissjóður, beint frá „Sjóði 0,“ 0,5% umsýslukostnaður, tryggt í launum.

SJÓÐUR "0"   slóð

Meira seinna.

Hið heilaga prestafélag  slóð

Hér á að vera glettnis bros.

Egilsstaðir, 07.12.2014 Jónas Gunnlaugsson

Paper money (Stjórnarskrá peningana - Constitution - Of money jg)

 

(Stjórnarskrá peningana Constitution - Of money jg)

Paper money

Hér er fróðleikur.

Laga seinna.

Egilsstaðir, 05.12.2014 Jónas Gunnlaugsson

http://www.peakprosperity.com/forum/hidden-history-according-benjamin-franklin-real-reason-revolutionary-war-has-been-hid-you/4358

more

http://21stcenturycicero.wordpress.com/fraud/how-benjamin-franklin-made-new-england-prosperous/ 

 

Hidden History: According to Benjamin Franklin, the real reason for the Revolutionary War has been hid from you

Our Founding Fathers knew that without financial independence and sovereignty there could be no other lasting freedoms.  Our freedoms and national sovereignty are being lost because most people do not understand our money system.

On to the Revolutionary War....

Before the war, the colonies sent Benjamin Franklin to England to represent their interests.  Franklin was greatly surprised by the amount of poverty and high unemployment.  It just didn't make sense, England was the richest country in the world but the working class was impoverished, he wrote “The streets are covered with beggars and tramps.”  

It is said that he asked his friends in England how this could be so, they replied that they had too many workers.  Many believed, along with Mathus, that wars and plague were necessary to rid the country from man-power surpluses.

“We have no poor houses in the Colonies; and if we had some, there would be nobody to put in them, since there is, in the Colonies, not a single unemployed person, neither beggars nor tramps.”  - Benjamin Franklin

000

(Stjórnarskrá - peningana  -- Constitution - Of money jg)

He was asked why the working class in the colonies were so prosperous.

“That is simple. In the Colonies, we issue our own paper money. It is called ‘Colonial Scrip.’ We issue it in proper proportion to make the goods and pass easily from the producers to the consumers. In this manner, creating ourselves our own paper money, we control its purchasing power and we have no interest to pay to no one.”  - Benjamin Franklin

000

Soon afterward, the English bankers demanded that the King and Parliament pass a law that prohibited the colonies from using their scrip money.  Only gold and silver could be used which would be provided by the English bankers.  This began the plague of debt based money in the colonies that had cursed the English working class.

The first law was passed in 1751, and then a harsher law was passed in 1763.  Franklin claimed that within one year, the colonies were filled with unemployment and beggars, just like in England, because there was not enough money to pay for the goods and work. The money supply had been cut in half.

more

http://www.peakprosperity.com/forum/hidden-history-according-benjamin-franklin-real-reason-revolutionary-war-has-been-hid-you/4358

more

http://21stcenturycicero.wordpress.com/fraud/how-benjamin-franklin-made-new-england-prosperous/

UN, Sameinuðuþjóðirnar og Ísrael

Fróðlegt

Egilsstaðir, 04.12.2014 Jónas Gunnlaugsson

http://www.aish.com/jw/me/On-the-Question-of-Palestine.html

 

On the Question of Palestine

The speech by Israel's ambassador at the UN General Assembly is a cogent overview of modern Israeli history. Share widely.

 

Speech to the UN General Assembly, November 24, 2014

I stand before the world as a proud representative of the State of Israel and the Jewish people. I stand tall before you knowing that truth and morality are on my side. And yet, I stand here knowing that today in this Assembly, truth will be turned on its head and morality cast aside.

The fact of the matter is that when members of the international community speak about the Israeli-Palestinian conflict, a fog descends to cloud all logic and moral clarity.

The result isn’t realpolitik, its surreal politik.

ooo

The world’s unrelenting focus on the Israeli-Palestinian conflict is an injustice to tens of millions of victims of tyranny and terrorism in the Middle East.

As we speak, Yazidis, Bahai, Kurds, Christians and Muslims are being executed and expelled by radical extremists at a rate of 1,000 people per month.

ooo

How many resolutions did you pass last week to address this crisis?

And how many special sessions did you call for?

The answer is zero.

ooo

What does this say about international concern for human life?

Not much, but it speaks volumes about the hypocrisy of the international community.

ooo

Our conflict is not about a Palestinian state,

but about the existence of the Jewish state.

I stand before you to speak the truth.

ooo

Of the 300 million Arabs in the Middle East and North Africa, less than half a percent are truly free – and they are all citizens of Israel.

ooo

Israeli Arabs are some of the most educated Arabs in the world.

They are our leading physicians and surgeons, they are elected to our parliament, and they serve as judges on our Supreme Court.

Millions of men and women in the Middle East would welcome these opportunities and freedoms.

Nonetheless, nation after nation, will stand at this podium today and criticize Israel

– the small island of democracy in a region plagued by tyranny and oppression.

more

http://www.aish.com/jw/me/On-the-Question-of-Palestine.html

 

Prosperity - uk

 Fróðlegt

Endurtekið, endurlesa.

Þetta er gömul grein, en ýmislegt í henni er fróðlegt.

Ég veit ekki, en ímynda mér að greinarhöfundur vilji láta auglýsa sig.

Ég leyfi mér því að birta þessa byrjun, síðu.

Egilsstaðir, 02.12.2014 Jónas Gunnlaugsson

http://prosperityuk.com/the-problem/

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You are here: Home » The Problem

The Problem

Money Supply Links House Prices, NHS Deficits and Climate Change

By Anne Belsey Money is such an integral part of most people’s lives that few give it much thought. It’s just there. There might never be quite sufficient for all the things that even a rich country like Britain might wish for, but then money cannot be conjured out of thin air, can it? Actually […]

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Our Economy Relies on Debt to Function

By Gillian Swanson The decision of governments throughout the world — following the British model — not to monetise their country’s wealth themselves, but to force private citizens into debt if they want to exchange goods and services with each other, needs to be re-examined. I used to think that all money apart from the […]

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Money for the People, by the People

by Alistair McConnachie Just as we need government for the people, and by the people, so we need money for the people, and by the people. Money Reformers advocate essentially two things – firstly, that we change from a debt-based to a debt-free economy. That is, to a society where money, or a great deal […]

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The Negative Consequences of the Debt-Based Money System

by Richard Greaves 1) GOODS AND SERVICES ARE MUCH MORE EXPENSIVE The cost of borrowing by producers, manufacturers, transporters, and retailers all has to be added to the price of the final product. 2) CONSUMERS HAVE MUCH LESS MONEY TO SPEND They are burdened by the cost of mortgages, overdrafts, credit cards, personal loans and […]

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Looking Beyond the Money Myth

By Alistair McConnachie The following speech was prepared by James Gibb Stuart and delivered by Alistair McConnachie to the International Union Conference, of Land Reformers and Henry Georgists, at Edinburgh University, Pollock Halls, Friday, 13 July 2001. It has since been published in the book, “Proceedings of the Edinburgh Conference 2001″, available from the Henry […]

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The Case for Monetary Reform

By Bill Clarke WHERE DOES REAL ECONOMIC POWER LIE? The development of the global market, particularly in the spheres of free trade, the instantaneous movement of capital and the trading of currencies, means that to a very great extent national governments have lost the power to control their economies. These developments have come about because […]

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Our Debt-Based Money System Will Break Us

The Earl of Caithness speaks… This speech was delivered by the Earl of Caithness in the House of Lords, Wednesday, 5 March, 1997. It is reprinted in full from Hansard, Vol. 578, No. 68, columns 1869-1871. The Earl of Caithness: My Lords, I too wish to thank my noble friend Lord Prior for initiating this […]

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The Big Issue

By James Gibb Stuart William Hague won’t mention it; neither will Charles Kennedy, nor Gordon Brown nor John Prescott nor any of the other top names who will canvass our votes in the General Election likely this year. Tony Blair alluded to it on Ask the Prime Minister (ITV, 12-12-00) but suggested he was powerless […]

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Post-Autistic Economics

by Ronnie Morrison The professional economist is prominent among the ‘experts’ who influence our politicians. For example, both Thatcher and Reagan were heavily influenced by the free market monetarist model propounded by Milton Friedman. These neo-classical economists, employed by fat walleted bankers, are seldom far from the media spotlight as we stumble from one financial […]

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Don’t Blame Ford, Blame the System

By Philip Snow Prosperity subscriber Philip Snow is the Editor of Granada News, the official magazine of the Ford Granada Enthusiasts’ Club. The following is a shortened version of his Autumn 2000 editorial. The Club can be contacted at 116 Whitmore Road, Hanchurch Crossroads, Staffordshire, ST5 4DG. I’ve finally discovered the reason why Ford Motor […]

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Money Supply & the Private Banking System – Lord Beswick Speaks

The following speech by the late Lord Beswick, is reprinted in full from HANSARD, 27 November 1985, Vol. 468, Columns 935-939 where it appears under the title “Money Supply and the Private Banking System”. HANSARD begins: Lord Beswick rose to call attention to the statement made by the Chancellor of the Duchy of Lancaster on […]

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Bankrolling the World into Chaos

by Michael Rowbotham It is time to ask searching questions about the near total reliance of modern economies upon banking. Getting the right answers can sometimes be difficult. But not asking the right questions in the first place can be a disaster. The industrialised economies are trying desperately to break the cycle of boom and […]

Read More...

 http://prosperityuk.com/the-problem/

 

 

Vindar og hitakerfi JARÐARINNAR.

Stórkostlegt sjónarspil.

Vindar og hitakerfi JARÐARINNAR.

Ágúst H. Bjarnason er enn og aftur, að að vekja athygli okkar á þessum fróðleik.

Við þökkum kennsluna.

Egilsstaðir, 01.12.2014 Jónas Gunnlaugsson

ooo

http://www.agbjarn.blog.is/blog/agbjarn/

Vindur við yfirborð jarðar. 

Litur í bakgrunni sýnir lofthita.

Skotvindur (röst, jet stream) í um það bil 10km (250 hPa) hæð

http://earth.nullschool.net/about.htmlv

https://www.facebook.com/EarthWindMap