Narrative Of Speech To Students

Posted by chdwr

Please listen up. I’m about to show you how you can reduce your student debt by at least 50% and get $2000 worth of purchasing power every month when you reach 18 years of age for the rest of your life. Ignore any of the nay sayers or terminally orthodox who are simply unconscious of the current way money is created and just as unconscious of how that must change in order to usher in secure monetary abundance for everyone.

So let me demonstrate the two policies that will make what I just said the reality for everyone. Can I have two of you come here and stand next to each other? Okay, You’re the retail merchant and you’re the consumer…and I’m the central bank whose two present mandates are to control inflation and promote employment. So here’s the first policy: a 50+% Discount/Rebate at retail sale. Okay so you Mr. Consumer you go and buy $100 worth of groceries and at check out the merchant gives you a 50% Discount. Then you Mr. Merchant you do what all merchants do when they post to their Sales Account except this is their Sales Discounts Account…they send me, the central bank, that account and I rebate back to the merchant every cent of the discounts they have given their consumers making them whole on their entire price. Its elementary accounting/double entry bookkeeping.

So Mr. Consumer how much did you pay for your $100 worth of groceries? $50 Thats right. And you Mr. Merchant how much money did you get for your $100 worth of merchandise? $100 Thats right.

Now, lets apply this policy with you buying a $60k EV and a $500k house and you being both the merchant and the Bank. Okay you go and agree to buy a $60k EV and the car dealer reduces his price to $30k…and then when you go to Finance you sign a contract to pay for $30k…But wait! What is the retail point of Finance? That’s right its your monthly automobile, insurance, mortgage or other big ticket item’s monthly payment…and the 50% Discount/Rebate policy is implemented there as well, so you pay for 50% of that total amount…and I, the central bank rebate the other 50% of that monthly payment back to the bank. So lets do the demo on those two points of the 50% Discount/Rebate policy. $60k discounted to $30k and merchant receives the other $30k from me, then $30k monthly payment is say $800 but you only pay $400/mo. because I pay the bank $400 every month so you get that $60k EV for the equivalent monthly payment of a $15k loan. And the same thing occurs when you buy a $500k house which is the equivalent monthly payment of a $125k loan. Yipee! Both consumer and merchant are happy and the economy potentially doubes in size so its good all the way around.

Now lets get to the next policy, the $1000/mo. universal dividend you get at age 18 and for your entire life. With that $1000 and the 50% Discount/Rebate at retail sale you can purchase $2000/mo. worth of goods and services…for life! And if you borrow to pay your tuition you’re payment is cut in half again exactly like with the EV or mortgage. Do the calculations of the purchase and finance of your tuition:

So you could pay for your college education and still have enough money to take your squeeze out to dinner and an ice cream cone a couple of times a week while you’re going to school. Nice huh?

Lots of other beneficial policies that resolve the rest of the economy’s problems and answer every objection I’ve ever heard with real world rebuttals here: https://www.amazon.com/dp/B0C49B9PX7

Posted To Richard J Murphy’s YouTube Video 01/27/2026

Posted by chdwr

You’re absolutely right. Its division vs unity. Unity being a major aspect of the natural philosophical concept of grace and graciousness being the active expression of love and policies being the actions of systems and nation states…makes it the answer to division/divisiveness. A simple, but pungent as in wise insight. So how do we proceed? You consider how to implement POLICIES that will effect graciousness. And probably the best and fastest way to start would be to apply a major aspect of grace, namely GIFTING to the economy and money system with a policy of a 50% Discount/Rebate at the point of retail sale. In other words the individual goes to the store and buys $100 worth of groceries and the merchant discounts that total so the individual only has to pay $50. Then the central bank (which the merchant has an account with) rebates $50…back to the merchant so he/she/it is made whole on their entire price, so no moral hazard there. The results: Everyone’s purchasing power is mathematically doubled, the potential demand for every one of the merchant’s goods and services is also doubled, chronic erosive inflation is transformed into beneficial price and asset deflation meaning The Quantity Theory of Money is invalidated and Milton Friedman turns over in his grave. Finally, participating in the economy (which EVERYONE must and does do by participating in retail sale) becomes the greatest opportunity to self actualize grace as in gratitude for a GIFT…since meditation and prayer. These are the transformative mental and temporal universe realities that occur when a paradigm change has taken place.

You can see this policy and the entire policy program for the new monetary and economic paradigm here: https://www.amazon.com/Wisdomics-Gracenomics-Paradigm-Theory-Economics-System-ebook/dp/B07PLNJLRN/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1552358772&sr=1-1-catcorr

Posted To Ellen Brown’s Scheer Post 10/05/2025

Posted by chdwr

Lots of agreement here about what the problem is. Wonderful! Now what we need to ask ourselves what is the most universally participated in and efficacious point in the economic process to implement the solution of debt free money, i.e. Monetary Gifts? Well, everyone participates in retail sale or if you’re a minor you’re effected by the price at that point. So if you implemented a 50% Discount/Rebate policy there you’d be able to get $100 worth of groceries for $50, a $60k EV for $30k and a $500k house for $250k. But wait! What is the retail point of Finance? Why its your automobile or mortgage payment? So with the 50% Discount/Rebate the central bank pays 50% of that payment meaning you get a $60k EV for the equivalent payment of a $15k loan and a $500k house for the equivalent payment of a $125k loan. And yet with the rebate aspect of the policy every commercial agent gets their full price or full amount of interest. The 50% Discount/Rebate policy finally universally and beneficially integrates the wholly exterior parasitical costs of Finance INTO THE COST CUTTING/FRUGALITY/COMPETITIVE/LEGITIMATE ECONOMIC PROCESS. Hence it ends Finance standing like a colossus astride the nation and the world and makes it just another business model that still needs to be sanely regulated and forced to be competitive by creating a CBBS Competitive Back-Up Banking system where if you’re creditable (read everyone with a $1000/mo universal dividend and the 50% Discount/Rebate at retail sale) one can get a 3% loan if the private banks won’t grant you that rate.

Finally, finally, with the above policies…its Christmas every day of the year, or if you’re my wife 3 times per day, only kidding honey, and makes participating in the economy the greatest opportunity to self actualize gratitude for a gift since meditation and prayer. Do you think that might take the edge off of the socially scary mood the US and the world is presently in?