JEWED: THE "TIME VALUE OF MONEY" SCAM

Nah houses would just cost a lot less.

Because prices are set to accommodate debt saturation. The process we create a money supply is predicated on loaning out an amount of money less than what will be needed to pay it back in the future. It affects you even if you don't take out a mortgage or use a credit card and pay cash for everything. If you're actually lucky enough to somehow have a sum great enough to buy major assets that is, who's prices are at a level that assumes you're willing to go into debt for an extended period. The alternative, is to rent and build zero equity while living pay check to pay check, or if you manage to save money you'll have that savings nullified by inflation from low interest rates to people borrowing massive amounts. Our currency system is fundamentally flawed and requires exponential growth unless you allow it to collapse into an extended recession or depression.

Imagine being this ignorant and still posting

OP has a valid point here that you faggots failed to understand.
Money has time value due to:
--consumption preference (somebody will always prefer to enjoy their money now)
--Opportunity cost (the money lost in not using the money for another investment)
--Risk (as time goes on, there's more risk yo won't get all the money back)
BUT, as OP points out, these arguments can legitimately be made about the REAL money in your pocket or bank; they cannot be made about thin air for which none of the above applies.

Only the central bank can create money.
Normal banks have to pay interest to the central bank.

This.

t. Financial advisor who teaches clients to avoid the stock market and earn continuous, uninterrupted compound interest in principle-protected assets.

It's the only way to beat the Jews when it comes to money

*--Opportunity costs (POTENTIAL PROFIT is lost in not using the money for other investment)
Apologies, am typing fast and not checking my work.

Yeah. Its a variation on the contract of adhesion scam.

Badically you dont have a choice but to agree to the terms, since you have no bargaining power or other options.

In this manner they can extract the absolute maximum through arrificial scracity that the market can support (aka legalized exploitation).

This is why houses cost 10 times the average annual salary when they should really cost about 2 maybe 3 times the average annual salary.

Its a symptom of market failure and plagues the united states. Telecom, entertainment, social media, higher education, medical, oil (in the recent past) are all examples of totally captured markets corrupted by infiltration and entryism and regulatory capture.

Theirs no fucking reason cell phones cost 100 dollars a month and get added bullshit charges tacked on every month.

You don't save money, you invest it.

>continuous, uninterrupted compound interest in principle-protected assets.

What would be an example of these kind of assets?

>Normal banks have to pay interest to the central bank
They found a way around that after 2008. Banks also use fractional reserve to multiply the amount of deposits and liquidity they have.

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>avoid the stock market and earn continuous, uninterrupted compound interest in principle-protected assets.
can I get a basic gestalt advisoranon?

Incremental housing. Buy as cheap of a house as is safe (no ghetto or infested with mold). Then either expand/improve as you earn more money or switch up to something better and nicer. Starting off with a 4000 Sq ft plywood mcmansion with a 30 year mortgage is placing yourself at the mercy of the banking Jews. Buy as little house as you can stand. The savings from doing this will quickly accumulate and allow you to move up to something nicer.

>you invest it
Yeah, because in order to keep the debt roling they've had to lower interest rates where saving money is a poor decision and you're better off buying assets. Assets that you'll either need a loan or large sum of capital to get into, or you can slowly buy high-risk and hope you don't lose your shirt or buy reliable bonds that now don't yield shit. Great system.

Thats not his point.

His point is the banks are givwn money by the government at 0% interest at a 50 times leverage rate.

If they just bought bonds (3.3%) with that they would triple their money yearly with 0 risk. (This is why banks will invest in low yeild zero risk projects).

What this means is after 10 years 100,000 turns into 100,000,000,000 with ZERO RISK!

So it literally doesnt matter what kind of shitty investments they make, the hand is on the scales so heavily in their favor they cant lose

except giving that much money for free causes (you guessed it) asset inflation!
Its why apartments cost 180 million and they keep building mansions for the rich and houses for the poor cost 10 times the average salary.

There is so much free money going to them they have literally no where to put it.

Mind you they produce nothing of value and take excessive real work to produce frivolous consumption but it is all given to them by a system designed for them to suceed no matter what.

Usury is slimy, but it's not the real scam. The real scam is fractional reserve lending.

You could even invest in the housing market.
Way better than paying for a mortgage and "investing" in your own home.

Anything that protects the principle,
So an asset backed security with a hedge on the downside. (Like a credit default swap) for example.

Only a Jew would see money born from money as ok. I give you a dollar and expect 3 dollars back.

Yeah. 50 times leverage 0% interest

That shit was free money to the rich on an unimaginable scale. Think of it like this.

If I had 100 dollars by the end of the 10 years I would have 100,000,000. With zero risk. Just free one hundred million dollars given to me.

>If you take that same $100k and earn just 4% compound interest you will have around $325k at the end of 30 years.

Would be good if any bank offered close to 4%, most offer 2% annually, which is below inflation in most countries

The point is you need credit to break into that. Someone setting aside savings each month isn't going to be able to just put that into housing, unless they're buying some ETF in equity funds. Which will return better than a savings account, but you run the risk of losing what you put in. People shouldn't be forced to invest money in what would be high-risk, if not for the rigged interest rates holding up the market. That's the point I'm making, our current system doesn't reward simply earning money and keeping it, and it also makes assets people need such as a house extremely expensive. Everyone is being funneled into markets they have no business being in because the alternative is getting fucked hard.

Its well within socities interest and purview to protect its citizens from certain detrimental activities.

Everything you say about usury etc is 100% right, but OP is talking about the justification behind them charging interest, which is normally justified by the 'time value of money'. However, that only applies to actual money as there is no ability (and so preference) to spend thin air; you can't invest tin air in something else (so no lost opportunity); and there's no risk of someone not returning your thin air. Hence this thin air has no time value.
So I agree with all your points, except that OP is indeed talking about the commonly held justification for why interest should be considered justifiable.
At least, that how I read his post, including the title.
Keep letting people know about the scam, though, dude, it's good work.

I agree. Fractional reserve banking is quite literally producing counterfeit money. It's legalized forgery and it's disgusting. I spoke with my bank consultant father-in-law if it's all true, and he has this look in his eye wasnt sure if it was guilt or what, and said "you have a great grasp of just how fragile everything is" which made me laugh internally like those "if only you knew how bad things really are" memes.

currency, property and debt are modern forms of the classic chain and whip if they can extract labor from you in the form of currency which is literally nothing they don't have to invest in the whip, chain, house, food, and transportation that plagued earlier economic systems to extract labor

Correction: *Everything you say about fractional reserve lending etc is 100% right
As you point out, the huge influx of money made out of thin air causes its value to decrease massively, resulting in massive inflation.

You just invest in the stock market with leverage.

The game is rigged so that the market grows 10% a year no matter what. (Mind you this is just a tax on the middle class) but it keeps the system going.

Thus every year the asset class get a free 10%.
(I.e. the vast majority of wealth is transferd directly through monetary policy to the wealthy without any work or any risk).

Since the majority of people are locked out of the free money machine if you can get in it even as a small fish you can amass a relative fortune compared to the bottom 3/4 of humanity.

I do agree it kinda sucks you're forced to invest due to inflation.

But it's not hard to do, and as long as you're not a retard and spread your portfolio it's less risky than gambling everything on a single building which might have a shitty foundation or might get struck by a fire or a natural disaster.

OP is a moron with no economic understanding whatsoever.

Interest automatically arises in a growing economy when the money stock increases due to that growth. Growth happens mostly due to innovation - using less inputs for the same output.

On top of that "natural" interest rate there is a risk premium for those who can go bankrupt. Loser countries, companies and private borrowers.

Without interest rates, nobody would lend money and consumption smoothing wouldn't be possible - everyone will be worse off.

Dude you didnt even read my post, i covered the cost reduction fucking imbecile.

Yeah. I hear you.

Fractional reserve banking creates money based on GDP but the value of the work is transfered through various scams to the asset class rather than the worker.

“Time value of money” is true but only for the class of people whom are not receiving money for free. (The investor class and wealthy elite).

For them they are simply given a significant portion of the GDP wealth creation because the system is so biased so heavily and obviously in their favor.

Youre probably the same fucking retards pushing flat earth kys

His point is that to the banks, even thin air jewbucks have time value because they could have been invested in bonds, siphoning wealth from taxpayers instead of house buyers.

>money stock increases due to that growth.

I think OP is complaining that this is not the case.
The money supply grows a lot faster than the economy.

Someone payed attention in econ classes.

>(((Switzer)))land defending jew banking
Hardly a surprise. Have the government issue debt free currency, loan that currency interest free, With a flat origination fee or something exactly sufficient to cover defaulters,

Yeah

But “fake” “growth” can be approximated by monetary policy.

Real wealth is produced by work but truth be told most people dont actually produce much value.

>ease of acess to capital doesnt effect prices

Fuck off. The free money given to the rich allowe them to constrain supply and inflate asset prices.

Yeah. Its that (((their))) money is free while a workers money is paid for in blood sweat and tears.

The amount given to each is not dependant on actual work or value produced but rather to whom value is accrued (asset class).

They should be hunting for 8% returns at a cost of 4% to them,
Instead they are given 50 times leverage at 0%. Thats free money.

Kek, good argument. Loser.

Absolutely, it's a total scam. I was just pointing out that I was replying to OP talking about what the justifications are and whether they are still valid for thin air.

You think you can out-jew the jew/bankers?
Think again. They have foreseen your every move.

>le econ 101 meme

Fuck.

>he thinks time value of money is interest
You fucking serious?

Interest rates are forbidden in muslim countries.
There probably is a reason.

There are 2 types of bank activity going on here.

1: *Moving* of money / credit from depositor -> debtor.

This is what most people think banks do, and is in fact a valuable aspect of banking.

and

2: Creation of new "fiduciary media" -> *new* bank credit and lending this credit to debtors.

This second step is the bank literally just writing new credit money into their books. Credit that is completely unbacked by cash. Magic'd into existence.

This second type of business is what causes inflation in the economy. Euphemistically called "growth".
This is what causes asset prices (such as houses, or stocks, or commodities) to inflate.
This is what causes credit booms, and busts.
And this is why saving bank credit, is for suckers.

Just wait until we have to bail these kikes out again. They continue to loan money they don't have to people who will never be able to pay and those loses will be covered by taxpaying serfs who already owe them money and those same serfs will still be expected to pay every penny + interest.
So for those of you who fulfill your debts, they will squeeze you for even more than that and there is NOTHING that any of us will do because to say something would be anti-Semitism.

Don't be a moron and pay your loan back faster

>or if you manage to save money you'll have that savings nullified by inflation

You don't have to save in cash/credit.
Instead, you can save by buying assets which can be sold later as needed.

This gets your wealth out of the monetary system for extended periods and the value should float with inflation. Though this is typically called "capital gain".

This is really just regular investing.

Calm your little yid hat down, fees are not usurious.

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You forgot a lot of ((()))s there memeflaggot

Not anymore. Theyve given themselves so much free money the system wont support perpetual growth.

Thus the markets have become cyclical since around the mid 90’s. The cyclical nature means money is only made through purchase and sale not holding.

So if you bought in 2000 youd have the same amount of money as 2019 because you bought at the peaks. But if you could buy in 2008 youd see a 400% increase.

>The money supply grows a lot faster than the economy.

Indeed. Take a look at the real shit around you.
How fast does it increase?

Does it all double every 10 years?
Cos that's what the money is doing.

Interest rates aren't meant to cover the risk of default that's just a myth. They're meant to earn the bank as much profit as possible. Bankers are filthy rich because they enslave debtors with interest rates.

How about you just bankrupt us and keep your millions of rotting OSB shacks? I laugh because all the kids coming out of college see what a shit show having a two story family home filled with shit is. Also all the boomers are sizing down to small houses and paying them off outright. Enjoy trying to sell used old oversized homes to morons who think the future will be bicycles and socialism.

>without interest rates, nobody would lend money
Wrong. Also kind of creepy how you worded that as a threat.

Can't be arsed. Large sections of the banking sector are not Jews.

Scots for example have 20% of the UK banking sector.

>Theyve given themselves so much free money the system wont support perpetual growth.

Well, there's always a limit somewhere to hit.

Originally that limit was physical gold... Since 2008 it seems to be creditworthy debtors.

At least you can get loans. Other places in the world has to be done with your own money when you have none.

The banking sector is just a golem controlled by the Fed and the BIS

>Without interest rates, nobody would lend money and consumption smoothing wouldn't be possible

That's a load of shit. You can simply add to the contract that more money is to be returned+adjustments for inflation, no rates. Also if you think this is the how a bank actually makes money then you're retarded. They make most of "their" money by investing the money you deposit somewhere else and then giving you a pitiful APY/APR. But hey at least you get .01 percent more rich.

No there isnt, because “money” is just a proxy.

They can print themsleves the vast majority of the wealth created every year to ever inflate assets (localized inflation) while the average person experiences none of this growth.
Its not like the rich are buying more cheeseburgers,
So as long as the inflation is localized to certain sectors that wealth can be created and funneled to them in perpetuity.

the simple solution to this is to simply not take on any debt and default on all debt that you have and declare bankruptcy. if you have student loans, forebear them. or go live abroad and claim foreign earned income tax exclusion. if enough people did this, the entire thing would come crashing down.

you win their game by not playing it.

Thats why they import slave labor from the third world einstein.

Convert to Islam save on you mortgage. Even the goat fuckers have to borrow from the Jews. Wave bye bye goat fuckers

No one is this thread is arguing agaisnt banking or interest (risk allocation).

Why is it always some retarded argument ad absurdem with you kind of people?

Like if there’s an imbalance in the system we must automatically become stone age ambivilents with no money and a barter system?

Fuck off.

>Financial advisor who teaches clients to avoid the stock market and earn continuous, uninterrupted compound interest in principle-protected assets.

Scoundrel who fleeces old widow ladies by selling them annuities with obscene fees and commisssions.

There’s a reason Obama tried to make the fiduciaries.
>hint: its because they were fucking their clients to get bigger returns for themselves.

Dunnn worry well just send your purchase order to chicago so that flash traders can front run it and give me a little cut. Totes fine!

I knew one guy who used to pump and dump to his own clients LMAO.

Rent: $1200/mo
30 years: $432,000
Put $600 away per month saving for a house, after 30 years you have $216,000 saved!
Congratulations, the house you wanted to buy 30 years ago is now $900,000

What can I do to not let my savings get eaten away by inflation? I've got about 30k EUR and it fucks my head that this amount isn't going to be worth shit in around 10 years or so.

And I'm not even dwelling into the matter of stagnant wages...

>houses can make 10% a year
>when inflation is 2% and wage growth is 0%

Things have to balance out. Either through artificial scarcity or some other mechanism. Houses cannot gain 10% a year and retain the status qou.

Sorry.

This is one thing the muslims do right. No usury Mashallah

Sorry got busy

I use overfunded whole life insurance from a dividend paying mutual company that has a non-direct recognition loan structure.

Which means Mass Mutual or Ohio National. Other companies like Penn Mutual, Guardian, and One America are also useful.

Check into Infinite Banking or Velocity Banking. Also Garret Gunderson Killing Sacred Cows. The Wealth Factory. The And Asset. Nelson Nash. These will get you going in the right direction.

Avoid Universal Life in almost all instances. Look for a qualified advisor who knows what he's talking about when it comes to base and PUA ratios, the way various riders work, and can tell you how loaning against your contracts works.

>100,000 turns into 100,000,000,000
THAT'S NOW COMPOUNDING INTEREST AT 3% WORKS, LEARN TO MATH.

Would you really not advise a client with a 30+ year horizon to not invest in VTSAX / VTI?

read and learn anons

sites.google.com/site/livingwithoutmoney/Home/what-the-world-s-religions-philosophers-say-about-the-crime-called-banking

>oh no a bubble's popping
>hurry let's lower interest rates to keep the bubble going as long as possible
>let's bail everyone out despite only 2% of taxpayers actually support it

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first getting a loan at double acceptable interest rate. Then not paying extra each month to lower principal, then crying about jews lol.

Figure out how long it would take to pay if ut was 3.3% and you paid an extra grand each month dumbass.

That's not what I do. People can invest in whatever they like. I just help them structure the master wealth account at the center of it that is leveraged for opportunity

Some of my clients invest in real estate, some in stocks, others never invest apart from their life insurance.

The thing to understand is that when the thing is structured correctly it earns continuous compound interest and can be leveraged for greater gains outside the contract.
Look into Jake Thompson and Brian Bloom, Nelson Nash, Caleb Guilliams, Will Duffy for more

50 times leverage dumbass. They are loaned money at 50 times their assets.

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i just want to get a loan from the federal reserve directly

>earn just 4% compound interest

and where the fuck are you going to get that in a ZIRP financial system?

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I financed my vehicle and put the cash in my IRA. Buying a car with cash is a stupid financial move unless you have shitty credit since most auto loans have a stupid low apr. Enjoy working til you’re dead, nigger.

Whole life insurance from the right kind of company and from the right agent. See my other comments.

>put the money in my ira

Is it a Roth?

Inflation alone is like 2% annually. Take that into account when calculating repayment costs. $100k today is worth a fuckload more than $100k in 30 years. Plus housing costs naturally trend upwards. Who bought a house 30 years ago and didn't see it more than double in value if taken care of?

Without you artificially inflating housing prices by importing millions of third worlders a house would be 1/10th the price and no one would need to borrow a lifetimes wealth to buy four walls.

The system is set up so your loans extract as much money as possible from us over our entire lifetime.
Artificially inflating the price of houses is how you do this.