Summary Page Profit & Debt There Is A Better Way About Monetary Reform Take Action Article Index Feedback Page Links Page Monetary Reform Cinema
  The Freedom of Usership   One of the most cherished foundations of freedom is the concept of property ownership rights. We have been taught that individual liberty is impossible without private property rights. This assertion is always framed by a comparison to communism, fascism or some other statism in which all property is owned or controlled by the government or a powerful ruling elite. It is based on the assumption that there are only two poles which limit our options, either black or white. ...more    
Looking Backward
  In 1887, Edward Bellamy wrote "Looking Backward",
a scathing critique of 19th Century capitalism, which captured the imagination of the nation and quickly became a best seller. In this famous fantasy, Julian West, a wealthy capitalist, falls into a deep, hypnotic sleep and awakens 113 years later (in the year 2000) to find that capitalism has been replaced with a far superior socio-economic order. ...more
  The Economic Wishbone  

The debt-based monetary system that the world uses today has not changed much in over 300 years despite the inequality, misery and carnage that it creates.

Do you ever wonder why neither the political left nor the political right propose or even discuss true monetary reform?...more

Gears of Capitalism

All money is borrowed into existence. There is no way for individuals to create new money themselves. Everyone must compete for a share of the existing money supply. Everyone must rely on a chosen few who have been given an exclusive right to create, control, and own, the nation's currency and credit supply. Every dollar in existence is being rented by someone, somewhere in the economy, from the money creators. ...more

  The Money Dam  

When unrestricted, the power of human ingenuity and talent is amazing. Life is about human development, about turning potential into productivity. Humans need to explore their own creativity and abilities. Talent left undeveloped corrodes the spirit from the inside out.

Money is the lifeblood of the economy. All of the organs of commerce depend upon it for nourishment. Block the flow of money and the economy will die. ...more

    Cost of Interest  

People who earn interest on their investments believe that interest is helping them "get ahead". Interest income gives them more money to spend, so it must be good. But it's only good if it gives them more income than it costs them to get it. If I earn $100 in interest income but the cost of interest that's embedded in the prices of all the things I buy is $150, then I'm not really getting ahead at all. I'm losing $50. I would actually have more purchasing power, if interest was abolished. ...more

  Human Disgrace  

The history of the human race is disgraceful. It is a story
of violence, power and greed. Since the earliest days of paradise, self-interest has reigned supreme. The gift of life, on this miraculous planet Earth, was not enough to satisfy the desires of the ambitious. They wanted more. So life became a battleground. It doesn't really matter what period of history you look into, the hostility towards one another is always there. ...more

One Big Business

Imagine that corporate mergers and acquisitions continued to their ultimate conclusion. One big business now owns everything. One company now produces everything on earth. Now ask yourself... what would their production costs be? Raw materials taken directly from nature are free. We don't pay the earth anything for the fish we catch, or the trees we cut, or the oil we extract. Of course there are removal and processing costs, but at the source our cost is zero. ...more

Summary Page
  Time is running out quickly on planet Earth. Our fragile egg is cracking. The labyrinth of lies and illusions that we believed in has ruptured and a lava of fear and greed is consuming us. The storm clouds of WW III are gathering fast as we continue to devour our resources. The entire foundation of our economy and our value system is fatally flawed. It cannot be fixed. We must start all over again. ...more    
Tip of the Iceberg
  Recently, it has been recognized that interest charges may be a serious impediment to a safe and stable economy. Smooth sailing is impossible to maintain in an economy that demands perpetual interest payments from the working class. But before we can fix the instability of our economic system, we must delve deeper and understand that interest is merely the Tip of the Iceberg! ...more  
  Wealth & Debt   The architects of our financial system invented the double-entry accounting system to ensure the perpetual need for debt. Making debt essential was the cage to ensnare humanity. Interest was the key that locked the cage door. Justifying interest would ensure that the issuers of debt could perpetually collect a private tax on the total value of all of the assets on earth. ...more A Better Way   Most people probably don't want to believe that it's impossible to fix Capitalism. It's too unsettling to accept that the very cornerstone of our society is cracked. It is much easier to believe that just a few bad eggs, occasionally get a little too greedy, and spoil it for the rest of us. The truth is that there is simply no such thing as "a little bit of profit" in Capitalism. ... more  
  Compound Profits   The effect that compound profits have on prices is identical to the effect that compound interest charges have on borrowing costs. Compound profits, however, are much more harmful to consumers. Compound interest charges take years to inflate consumer costs, compound profits inflate costs immediately. ...more Living A Better Way   Imagine that you woke up one morning and the struggle was over. The laws were changed and you could finally start living a Better Way. Your right to an income is now guaranteed for life. All income taxes have been abolished. Profit and interest are now illegal. If you choose not to work, the national endowment fund will provide a basic income for you. If you can't find work, you can easily start your own business. ...more  
  The Boom Bust Cycle  

As interest and profits consume more and more of
wages & salaries, consumers become maxed-out and
the economy weakens. Once the total burden of interest & profits reaches about two-thirds of wages, consumer debt exhaustion occurs and a recession begins. This
marks the start of the Bust cycle. ...more

A Good First Step   According to the World Federation of Exchanges, at the end of 2007, the total value of all shares listed on all global stock exchanges was $64.47 Trillion US. By the end of 2008, that same global share value had dropped to just $33.73 Trillion. In one year, $30.74 Trillion of paper wealth vanished into thin air. $30.7 Trillion is more than 5 times Canada's 2008 total net worth ($6.07 Trillion). So in just 1 year, the value of 5 Canadas simply disappeared. ...more  
  Life For Rent   Life For Rent - We are born, in this world, into a game that's already started. We arrive late... really late, for the game is nearly completed. As in Monopoly, all of the properties are owned and everywhere we land, rents must be paid. We have no choice... these are the rules of the game. The game is not an option. There is no other way to survive. The land and the resources necessary for alternatives are gone ...more     Take Action   People are suffering in ways we can't even imagine. Their lives have been mauled by monopoly capitalism and a predatory monetary system that takes the "law of the jungle" to a horrific new low. Animals won't attack each other unless their survival is at stake. Humans, however, are willing to destroy each other merely to sustain their vanity and to prove that they are ruthless financial warriors. ...more  
  Law of Supply and Demand   The "law" of supply and demand is a theory used to explain the inherent instability of prices. It is just a theory, not a natural law. It may, in fact, not even
be true. You were taught to believe it is true because
it is an essential part of the justification for profit...
which is the holy grail of capitalism. ...more
    Menace of Inflation   If you take a close look at inflation you will see that all price increases only end up in one of two places, either wages or profits. All price increases in intermediate costs like raw materials, components & supplies, fuel & energy, buildings & equipment, interest, rent, etc. are simply cost transfers from one business to another. ...more  
  Article Index   Monetary Reform is pleased to share the articles, books and magazines that led to the creation of this web site. Most of the resources on this page were written over twenty years ago, but they are just as relevant today as they were back then. You can download the pdf files for HOPE Magazine and a free copy of my book entitled "Take Back Your Life." ...more Monetary Reform Cinema   In the Monetary Reform Cinema, you will find links to some of the most important films ever produced about money, the economy and the environment. It may take you months to watch all of them, but the information they provide will help you make sense of the world around you. ...more  
Take Power   You are a human being. Your birth gave you a natural right to be alive. As long as you cause no harm to others, no one has any higher right to control or exploit you. But our current political and economic systems deny you these rights. ...more   Equality   All life on Earth depends upon energy from the sun. Plants convert the sun's energy into matter. Other living things use the energy stored in plant matter to fuel and sustain their bodies. Life is a perpetual sharing of energy ...more   Paid Rest   Although the value of our time on Earth is equally priceless to us all, time alone cannot accurately measure the value of all work. The nature of the work itself must also be considered. ...more