OUR "Банк тоба""

I invite my readers to take a look on my second blog : 

http://banktoba.blogspot.fr

My ambition, from this second blog,  is explaining empirically the concept of  "Outsourced Resources Banking"... I had many personal problems this year .... It should change in 2014 !!! 

As a pro geographer, with pro training in emergency management, I am tired to see social pain worldwide because of the financial crisis ..... So I expect to create my company early next year to use empirically my methodology on the field of Skills management or Emergency management.

ECONOMY is inside the social links !!!!! not in money ....

My Wish for 2014 !!!

For 18 months, I explained you on this research blog a new monetary paradigm , based on 2 main facts.
•    Money has been invented to be a guarantee (not a value, not  a debt).
•    Private Banks can and must create money, but not the national currency .

The social pain worldwide nowadays is “heart breaking” and has no sense, because there are ways to be innovative and mitigate problems …..

I have a training in Emergency management !! However, I am disabled  ( http://www.youtube.com/watch?v=xaUCsyO4tzc    ) and will never be include in a HAZMAT team …. It’s the reason I decided to focus my research skills on the world financial crisis …… 

My main wish for 2014  is to find some partners and a way to spread the concept of “Outsourced Resources Banking” on two fields :  Skills management and Emergency management.

The current financial system worldwide is not sustainable, it’s time to think , WHY ..??

A message for Christmas

Why money is « GOD » ??

Only because the human being has forgotten its intrinsic social nature …..

Communism is probably  the best doctrine at the local or community level around a common project , but this doctrine is clearly not effective for a State, a Nation, a Country.

Individual property is important as a part of our identity , but not for money which is only a debt .... backed by somebody else.

With the concept of “Outsourced Resources Banking”, we trust exchanges, interactions, common projects …. with ad hoc currencies …., not production / consumption with fiat currencies !!!

Don't be the money slaves !!!  Money is only worthless papers or numbers on the computers ..... The world is still wealthy for positive exchanges with an innovative monetary methodology. 

2014 ....

The currencies in the emerging countries will probably continue to collapse ….. because  money come in less quantity from the West .... QE has never created some true wealth.

The stock market seems really overrated …. ( Best Example, The Facebook share costs 55$)

USA and Eurozone are still in big troubles, with a massive poverty !!!! and even if China owns a very important  reserve of physical Gold, … The country has an unsustainable banking system, with a too massive amount of credits.

Without a global Refundation of the financial and monetary system, It seems difficult to be optimistic for the World !!! It’s  the reason  I have created this research blog, to offer an innovative methodology to understand what money is …. 

No boring financial analysis here, only an main idea and some patterns 

The love of money

Money is the ultimate form of human emancipation ..... However, the Mankind is a Social System !!!  and the current financial scheme is  a threat for  this system !!! Individualism can be lethal ..... and the abusive love of money is a bad road.

It's my motivation to develop the concept of "Outsourced Resources Banking" ... I respect the individual property, but the financial world needs an innovative change. 

THE LOST DECADE 2007 – 2017 ….

Nobody can say accurately how will be the future …. However, I don’t see many reasons to be optimistic  in USA, in Japan,  in the Eurozone and even in Russia and China (where individuals have debts at a high level) !!! 

THERE ARE TOO MUCH “MONEY DEBT”  , CREATED BY PRIVATE BANKS !!! A 50 euro note IS NOT 50 euros on a Visa card !!!

Austerity, unemployment will continue to delete all the bad debts without risks for the assets’ owners…. It will take Years until we can think about a new monetary system …. 

The Asiatic countries and Russia have enough Gold and natural resources to be able to back a new currency , in case of collapse ….. 

On this research blog, we have opened the door on a sustainable monetary system  !!!

A public problem (currency/ taxes) in private hands (banks)

A State needs a currency to bring back taxes ....  A State needs some taxes to fullfill its missions.

With the concept of "Fractional Reserve Banking", a state can create almost  unlimited credits from a small base of tangible assets. Tangible assets are owned by the Elites, and the credits are paid by the others, or the foreigners .... Winning wars is the best way to pay some debts !!!

With the concept of "Outsourced Resources Banking", Not a such problem !!!! The national  currency is created from the State ressources and taxes .... The secondary currencies are created to develop sustainable and tangible assets !!!

So, even a country with a low level of resources or taxes, but innovative, could become sucessfull with this methodology !!!

A cashless society ???

A cashless society is a strange future !!!!! 

It's normal to pay taxes if the government works well, and tracking your payment is a false argument .... However, a cashless society is a based on debt !!! The electronic money is the ultimate form of debt ..... and a worthless currency.

http://www.timesofisrael.com/government-dream-of-a-cashless-society-already-a-reality/

And how many people in the world could afford to buy the electronic tool (Iphone or computer) necessary to make payment in a cashless  society ??

It's insane !!!! People will be more focused on money and not on exchanges and interactions.

.

A Quote from the Holy Bible

1 Samuel 2:7

The LORD sends poverty and wealth; he humbles and he exalts.

 

 I think Poverty and Wealth have been invented the day the human being has imagined himself as  UNIQUE ……
The Mankind is a social concept, and the differences between people are the true wealth.  In a "strong linked" society, money is not a necessary tool.

The concept of "Outsourced Resources Banking" is a paradigm used to respect both the individual property and the social need of partnership.

Natural Resources VS Electronic Wealth

Can you be aware about something very strange ??? 

Most people consider forests, oceans, lakes, mines, as .... unlimited resources !!! and are not worried about waste .... But,  the same people consider the electronic wealth on their bank accounts as a limited resources and want always more money ...

There is something truly special in the PSYCHE about money .....

DEPOSITS VS LOANS

The ratio between   deposits and loans is the main equation to measure the health of a bank ….. with the concept of Fractional Reserve Banking.

With the methodology named “Outsourced Resources Banking” , It’s different

About the banking assets,

- In our methodology, the Banking assets are used to create a convertible AD HOC currency, used in projects to develop sustainable wealth.

- So , the amount of assets can be freezed during the process of wealth creation …..

The ratio between  global Assets / Assets freezed would be the good equation to evaluate the health of a Bank using the concept of “Outsourced Resources Banking”.

There is no dependency with this methodology, no “debt slavery” …… Our motto : Creating exchanges, interactions and new Assets.

Price and Value

The Value is the intrinsic quality of an item, its price is the subjective measure of this value. … Can you tell me if the fiat money is  the best option to determine the price ???

In History, there are 3 kind of currencies  :

• The Gold/Silver money

Its value is based on its content in precious metal and the price of this matter.

• The Token 

Without intrinsic value, it’s a useful  medium of exchange in a community, linked by a common project

• The Fiat money

Fiat money is guaranteed only by  the signature of the State which made it a legal tool for payment.

With the concept of “Outsourced Resources Banking”,  we consider the possibility to create some “Ad Hoc” currencies  ….. convertible each time in a tangible “money asset”.  

Instead to create public  money from Credits, we could create temporary money from projects.

50000 years ago, several human species existed on the Earth … The Homo Sapiens has won the “battle” because of its intelligence and abilities to communicate with a complex language …. So, he could use tactics ….. The other human species like Neanderthals has used only the  physical strength and the toughness ….. 

Remember the Latin quote "Homo homini lupus"  meaning "man is a wolf to [his fellow] man." 

Money is a big part of the human comedy …. But we hope on this research blog developed an useful concept to cope with the world wide monetary problem

3 CATEGORIES OF CURRENCIES

The World with : 

- Fractional Reserve Banking 

Cash is 5% of the money supply, 95% is debt created by private banks. With 1$ as an asset, the bank could create 99$ of money supply .... Interests are not created in the money supply !!!! NO DEBT = NO MONEY

- Local currencies

You exchange your USD, CAD, AUD, Euro .... for tokens, and with them,  you can manage exchanges in a local area among several shops or for a same purpose (like the japanese fureai kippu)

- Outsourced Resources Banking

From tangible assets or cash (which is the most tangible part of the money supply) , it's possible to back a secondary currency .... used to fill the need of cash in a common project !!! The wealth which back the currency could help to make the project sustainable ..... in this way, there are infinite ways to create ad hoc currencies

An Economy of PROJECT

The concept of "Outsourced Resources Banking" is based on the fact that overproduction and overconsumption are obsolete and unsustainable economic paradigms !!!

Common projects are the best way to get a useful economy !!!! By creating ad hoc secondary currencies, based and convertible by tangible assets, there are  unlimited options to create new assets, new services, new tools...

This video is a pretty good example of great partnership at low cost :

http://www.snowaddiction.org/2013/11/you-will-not-believe-how-these-russians-get-this-car-out-of-a-frozen-lake.html

The Etymology of the Word "Bank"

The Word "Bank" came from the old italian "Banca" which means BENCH .... 

The benches were used as a desk for the exchanges of monetary units... In the Middles Ages, each city had its own currency. 

So, A bank should be an open space, close to people !!!!   With the concept of "Outsourced Resources Banking", we try to imagine a such situation. 

 

 With the concept of "Fractional Reserve Banking" , a Bank is a "slavery machine" .... In History, the first monetary exchanges were more pragmatic, face to face, on a common projects....

 

If we can understand, money is only a guarantee to create new assets,  useful exchanges and positive interactions , we can go back in a more positive monetary system.

The Best investment EVER made !!!

It has been found by this little girl !!!

http://123-videos.fr/meilleure-piece-jamais-depensee/

To Liz Murray, author of « Breaking Night »

Dear Liz,

Like many other people, I enjoyed your bestseller. Your personal story is truly special and deeply inspiring …. I also appreciate your activity as a more than “legitimate” inspirational speaker …..

I survived cancers , brain surgery , I coped with stammering, but now as an above the knee amputee, I think the human being can be the worst challenge to fight with …. I grew up in a family of malignant narcissists, my younger brother has taken his own life in 2007. 

 Graduated with a master degree in historical geography in 2003, I have also pro training in sport and emergency management. But I wonder if the brain was not in the leg amputated, because a disabled gives really a disturbing image in my country : France. It’s truly difficult to be smart and innovative when everybody treats you like a child …. At 37 years old.

I published and continue independent researches, particularly on this blog. As a disabled, I can’t be part of an HAZMAT team, so I decided several  years ago to try to understand why the World is on the verge of a massive financial collapse…., which is a truly massive emergency situation. Money is a key element of the social life.  I am not communist, but the wealth pyramid is scaring : http://www.businessinsider.com/global-wealth-pyramid-2013-10  I developed an innovative  methodology and some explanations on this research blog … My motto : money is not a value or a debt, money must be a guarantee for useful exchanges and productive interactions . I am tired to listen self-proclaimed Experts, with a discourse not really  understandable for all people. 

You have a true experience of poverty and social pain , you are graduated in psychology …. I really would like to know your view about the psychological impact of the financial crisis in USA , especially on the children ?? statistics in US are bad , en Europe is on the same way…. I feel people don’t even understand the concept of money … 

 Complementary currencies are smart ideas but limited , I developed a different methodology on this  research blog, between complementary currencies and Central Banking, …… I have a small collection of antique  coins, but when money became a debt, I see an evolution in the collective consciousness, from an historical point of view. 

France is reputated to be  always involved in  a war in delay …… During WWII, French soldiers were equipped like during WWI. French people have still their pensions, therefore they don’t think about tomorrow or bankruptcy…. The nanny State will pay…  It’s difficult to be heard here …. I remember this quote from Jesus in the Bible : “A prophet is not without honour, but in his own country” …..  It’s the reason I would like to leave my country as soon as a truly painful file around my father’s legacy will be over …. Bureaucracy in France is a weapon of mass destruction. Currently, I struggle to make the end meets. We are entering in Winter, a month ago from Xmas ….. I love Xmas atmosphere in US or Canada through tv shows … I went several times in canada but never for Xmas.  I never been in US, but I coached your football (with helmets and shoulders)  in France. The north American state of mind seems more pragmatic, positive  and juvenile ….. than the always depressed old European mind .

  IF I can’t have an impact on my own life, and  must let my lawyer struggles in front of  4 relatives and an aggressive bureaucracy, I  would be more than happy ….. to use this period to give people an online class or a good education to explain them how money works, how the system is made and what can be done usefully …. I can’t do it in my area with  the infantilization I must cope with because of my disability … 

I am tired to wait a miserable pension from the French State and want to live ENTIERELY by my own skills , with critics about my work …., not about my amputated leg …..With 50 millions american people on food stamps,  I am sure there is a way for innovative actions ….

I hope this letter will come to you …… I don’t know how to contact you. Buddhism and Chinese medicine saved my life, and kept me in a good momentum until now …. A strong mind is the key of success, but the true list for success is  :

1. Skill
2.  Connections 
3. Toughness
4.  Luck

All the best,

Michael