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End Notes from Chapter One

Money Creation in the Modern Economy

Authoritative Sources To The Banking Fraud 


Student Loans  

The referenced article: 


Student Loan Planner Website


The difference between the cost of issuing the currency and the face value.  The fancy new $100 bills cost 8.6 cents to print.  Read what the Fed says: 


US Debt Clock

Rule of 72

Security and Exchange Commission website: 

Hammurabi Code  

A set of 282 laws which King Hammurabit established.  See: The Avalon Project : Code of Hammurabi (  from the Yale University Library.    For example:   “117. If any one fail to meet a claim for debt, and sell himself, his wife, his son, and daughter for money or give them away to forced labor: they shall work for three years in the house of the man who bought them, or the proprietor, and in the fourth year they shall be set free.”

Surplus Agriculture 

For the Official Story read the entry in the encyclopedia on Early Agriculture And The Rise Of Civilization.


From on barter (

Babylonian Rhadenites

Gold Silver Ratio 

There are numerous references to the ways in which the Gold Silver Ratio was exploited in Stephen Zarlenga’s book “The Lost Science of Money” for example, from page 85: 

Debt, the First 5000 Years 

Amazon's book review: Debt: The First 5,000 Years,Updated and Expanded eBook : Graeber, David: Kindle Store



A brief history of usury can be found at the Ayn Rand website.  See  

Bernard Lietaer

The Future of Money, Creating New Wealth, Work And A Wiser World,  is out of print.  Copies may be found on ebay.

The Essence of Money, A Medieval Tale by Paul Grignon  

This video makes it clear that money is not valuable in itself, it is not a commodity, it can be a slip of paper that says the issuer will redeem it for the product they are selling using the customary unit of value, the silver penny.  See: The Essence of Money(

Protestant Reformation 

  • The Lost Science of Money, page 237,

  • The Lost Science of Money, page 256 

  • The Lost Science of Money, page 203 


Doctrine of Discovery

A Modest Enquiry into the Nature and Necessity of a Paper-Currency  

Benjamin Franklin wrote a pamphlet in 1729.  See the link for entire document:

The Lords of Trade 

from The Lost Science of Money, page 377

Colonial Scrip

Alexander del Mar 

The History Of Money In America: From The Earliest Times To The Establishment Of The Constitution (1899),  pg 96

The British Counterfeited The Continental  

From The Lost Science of Money. pages 380-1:  

Counterfeiting was standard British procedure and used as a military weapon. When they earlier fought the Dutch over possession of New Amsterdam (New York) the British had even flooded the colony with Indian wampum, which the Dutch were using for money….

...Benjamin Franklin, who had been one of the best printers in America, noted: "The artists they employed performed so well that immense quanti­ties of these counterfeits which issued from the British Government in New York, were circulated among the inhabitants of all the states, before the fraud was detected. This operated significantly in depreciating the whole mass."

President Lincoln Issued The Greenback 

Cross of Gold Speech  

The most famous speech in American political history was delivered by William Jennings Bryan on July 9, 1896, at the Democratic National Convention in Chicago. The issue was whether to endorse the free coinage of silver at a ratio of silver to gold of 16 to 1.   See

Income Tax  

The Sixteenth Amendment, ratified in 1913, expanded on Congress’s taxing power. Article I grants Congress authority to collect taxes, but requires direct taxes to be imposed proportional to the population of the states.  For further information, see:

Pujo Committee

In 1912, Chairman of the House Banking and Currency Committee, Arsene P. Pujo convened a special subcommittee to investigate the “money trust”.  The “money trust" refers to a small group of Wall Street bankers who wielded a powerful control over the nation’s finances. 

Bank of North Dakota 



The American Monetary Institute (AMI)


Biggest Wealth Transfer   


Thomas Aquinas




Media Monopolies  

Many articles have been written about the concentration of media ownership. 



John Taylor Gatto (December 15, 1935 – October 25, 2018) has written extensively about modern education, criticizing its ideology, history, and consequences. He authored several books. He is best known for his books:

  • Dumbing Us Down: the Hidden Curriculum of Compulsory Schooling, 

  • The Underground History of American Education: A Schoolteacher’s Intimate Investigation Into the Problem of Modern Schooling, and

  • Weapons of Mass Instruction: A Schoolteacher's Journey Through the Dark World of Compulsory Schooling


First National Bank of Montgomery vs. Daly  

Ellen Brown, The Web of Debt, in Chapter 2: Behind the Curtain, the Federal Reserve and the Federal Debt. In that Chapter, it is under the subheading:  “Taking It to Court”


Skull and Bones 

Antony Suton (Feb. 14, 1925 - June 17, 2002) was a British-American writer, researcher, economist, and professor.

  • His website:

  • His book, America's Secret Establishment, An Introduction to the Order of Skull & Bones,


John Taylor Gatto 

The Underground History of American Education, Volume I: An Intimate Investigation Into the Prison of Modern Schooling.  See  (


The Big Short


Psychopaths and Sociopaths.  

  • Laura Knight-Jadczyk wrote a book, Almost Human, A Stunning Look At The Metaphysics Of Evil, in which she describes the problem of psychopaths and sociopaths who become the financial, political and religious leaders precisely because they have no conscience.  Here is the Amazon link:

  • Additionally,  Filley, Christopher M. MD; Kletenik, Isaiah MD; Churchland, Patricia S. PhD published a study in Cognitive and Behavioral Neurology ( 2020 Dec;33(4):304-307),  “Morality and the Brain: The Right Hemisphere and Doing Right” . (See

  • Their study states that Psychopathy and Sociopathy result from an impaired or missing connection to the right hemisphere of the Brain which is the seat of morality, i.e. a rare abnormality, not an inherent characteristic. 

  • The following video is a compilation of a series of interviews given by Ronald Bernard, a top Dutch Banker who exposed crimes of the elites, particularly in the banking industry.  In this series of interviews, Bernard exposed how elites orchestrated wars, crashed national economies, and used child sacrifices to blackmail its members.

Henry Ford and Thomas Edison  

The New York Times published an article on December 6, 1921 about Henry Ford’s offer to take on a 99-year lease on the unfinished Wilson Hydroelectric Dam for 5 million dollars. In the article,  Thomas Edison’s quotes are relevant to the money issue.  Read the whole article at this link.


Social Dividend

Authoritative Sources

1. Authoritative Sources to the banking fraud.

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