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Why The Financial “Industry” Can Be A Bad Idea – And How To See Through The Maze



After my mother died, I inherited a nest egg that was the result of my father’s hard work over 30 years, which put me in the position of being approached by a series of “financial advisors.” They invariably promised to help me “invest” this money wisely. Fortunately my father had been both an economist and treasurer of a large travel agency, so he had provided me with a sound financial philosophy, solid practices and a healthy distrust for both Wall Street and investment “experts.” He had also retired successfully in saner economic times.

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When he stopped working full-time banks were paying above 6% interest on savings. When I inherited his life savings, a return like this would have enabled me to live quite comfortably, especially since I was able to earn money as a tech and business writer. But many of my friends were “day trading” and the stock market was hot so I began to get visions of the high life.  Since I was in the high tech arena I tried to leverage what I thought was my insight into some quick gains, with very mixed results.

So I sought out the help of some “experts,” bearing in my mind many of my father’s principles:  minimize risk, save money, and don’t buy in “installments” (credit).

So – only one of the following men was a “brilliant economist” (the one on the right, my father)
— the other was the Fed Chief that deregulated the markets.

twomenGetting involved in the “financial world,” what I found was an “industry” that had more confusing jargon than even the technology world in which I worked —and an agreed upon set of rules and agreements. One of these was that over the “long term” stocks would outperform bonds, real estate and simple savings (which were seen as sucker accounts) and that this was a “proven fact.”

The problem was, of course, that no one knew exactly what the long term was; if you were 30 years old you could be realistically expectant that you might have a long term perspective until you were maybe 60 –but of course even this wasn’t guaranteed –you could drop dead at anytime.

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After buying a few stocks and losing my ass, I soon discovered that “the long term” was really a euphemism for “hoping the shit would recover.”

Still financial advisors tried to convince me of “known truths” like:

  • The need to set financial goals
  • The need to diversify
  • The wonders of asset allocation

They did not appreciate that my father had impressed upon me the need to see the stock market as a giant craps table –and the longer you risked your money,  the more likely you were to lose.

There was only one goal for me which I expressed thusly:  “My goal is to make the most money in the shortest time with no loss of principal.” But financial experts were not particularly impressed with this concept. They tried to explain that “financial goals” were dependent on “time horizons,” “risk tolerance” and similar terms that I thought were pure bullshit.

expertsFinally I bought into some of this when a friend recommended a seasoned broker at Smith-Barney in Boston, who shifted me over to her assistant who promised to make money for me with “solid companies” and he put together a portfolio of blue chips. One of these was Microsoft, which soon faced a very serious anti-trust judgment in European courts.  I mentioned this to my expert who told me not to worry because I had a financial profile that kept me in my stocks for “the long term.” I tried to argue that Microsoft might lose quite a bit of its value the following week, and I wanted to sell my shares and maybe buy them back cheaper, but he assured me that this went against my profile.

I listened to his malarkey for about an hour, tried to use common sense, and finally hung up with the idea that maybe, just maybe, the nonsense he had spewed was right and I was wrong. Sure enough Microsoft went from $80 a share to $30 over the next month, and it just recovered slightly recently (20 years later).  I lost enough in value that I quit that expert and left Smith-Barney.

In comparison with this brilliant approach, my father was a believer in something called “compound interest.”  This means actually putting away money you earned  and letting it grow according to the following system:


He also believed in another principle:  “Don’t Buy Shit You Can’t Afford.” This meant that I was the last kid I knew to have a color television in the living room, but I also never knew a day when my family was ever in debt.

After college I could not believe how my friends recklessly ran up credit card bills and later got involved in complicated real estate deals that put them in hot water. I never got rich but I always made the rent and lived well. Then when I inherited my father’s hard earned savings, and got burned a few more times in the “financial markets,” I bought a condo and kept working. I didn’t pay much attention when Congress passed “financial deregulation” or the Gramm-Leach-Bliley Act in 1999, until I witnessed the real estate bubble, and near financial collapse of 2008, and the credit default swaps and massive debts and bailouts of “financial institutions.”

While many people suffered terribly, my main clue to what had actually happened was that banks suddenly didn’t need to pay any interest to savers.  Where my father had earned 6% compound interest on his savings, I suddenly could earn nothing in the bank. The reason for this was the “financial stimulus” – or the printing of completely worthless currency. This was the inevitable result of decades of fraudulent activity, and a transition from using “capital” as a way to create real wealth and value to simply a way of multiplying phony electronic “currency” on a computer screen.

And of course through such “deregulation,” the banks had effectively become casinos –now merged and partnered with investment brokers and insurance companies – they traded complex and risky “instruments” like derivatives and were “too big to fail.”  But of course they did fail –and were bailed out again and again with more funny money.

And now, suddenly when I again tried to avail myself of the wisdom of financial experts, I was “advised” that I had to take “reasonable risk” to earn a return and not deplete my savings. But I was approaching “retirement” – mainly because no one wanted to hire an old fart like me anymore -so now I was anxiously looking for passive income.

At this point, when I was asked for my goals I simply said, “to not end up on the street when my money runs out.”  Another way to put this was that I no longer had a “long term” time horizon. A friend of mine, in his 80’s had bought into the “long term” myth as well.  Unfortunately his “long term” ended in 2008 and he lost all of the gains his “expert advisors” had accumulated. He sold at major losses, terrified and to avoid losing more, and of course his holdings would have recovered eventually, but he needed safety and was screwed.

The question for me was a bit more palatable.  Having finally gotten through the acute anxiety of thinking the entire financial system would surely collapse, after amassing $3 trillion in debt that could never be paid back (and it was still printing worthless money), I decided to concentrate on the present moment, rather than the long term.

I listened to Eckhart Tolle, and my friend Michael Jeffreys, and realized that in “the present moment” I was fine.

But I wanted to understand how this “financial system” really operated so that I would not be victimized and sought out by other “advisors.”  I figured maybe someone had an answer for my situation that I had failed to discover. One advisor my own age admitted that I was screwed if I wanted a safe return that I could actually live on; “reasonable risk” even in bonds meant that I had to accept the potential loss of as much as 20% of my principal at any time in the future due to an unexpected event.

My alternative was inflation and running out of money when I was drooling in a nursing home. And as I explained to women who wanted me to take them to Paris or Hawaii, I was not rich but I was solvent. I could take them to Paris or Hawaii if I died in 10 years, but if I lived another 20 (I’m 65) I needed to save a bit more, and if I lived as long as my dad (86) they were out of luck –I needed my cash.

I went back into the stock market, looked at bonds, options, ETFs and other strategies, and took what I called limited and prudent risk. My discussions with financial “advisors” became a bit more heated. When I had “misunderstandings,” meaning that they didn’t tell me the truth about how bonds or options worked, I got very angry and moved my money to other institutions. More often than not they could not understand my displeasure and unwillingness to play their game –which again was like a giant craps table where the longer you keep the money on the numbers the more likely you are to get wiped. Just as a “7” will inevitably occur in craps, so too will a “correction” occur in the stock market.

The other obvious truth is that the market is completely rigged in favor of those who can afford inside information. 60 minutes just did another piece about how electronic traders “front load” transactions, seeing what retail investors are looking to buy and purchasing shares ahead of them, thereby raising the price, and then selling them back to the investors at a profit. WATCH IT HERE

These “professionals” are called “market makers.”  Seriously?  They are criminals. This does not take into account the other criminals called “insider traders” or as another 60 minutes piece referred to them, “researchers.”

So I have a new strategy.  I go at it alone and I believe in guerilla economics. I follow the momentum of the herd, buy and sell quickly, take my profits and then when I have enough I wait. I try not to get caught in the “undertow” of a “correction” or panic, which happens regularly. I read rumors about earnings and cautiously take advantage of any edge that I can get, knowing that most market commentary is false and misleading, I then just act accordingly.

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Scientists Find A Strong Link Between Infamous Chemical That’s Still “Present In Everyone” & Autism



“Children today are sicker than they were a generation ago. From childhood cancers to autism, birth defects and asthma, a wide range of childhood diseases and disorders are on the rise. Our assessment of the latest science leaves little room for doubt; pesticides are one key driver of this sobering trend.” — October 2012 report by Pesticide Action Network North America (PANNA) (source)(source)

Perhaps the most important thing to mention when it comes to autism is that there is no biological marker for it. It can’t be identified, and those who receive an autism, or ASD diagnosis are simply diagnosed with it based on behaviour and social tendencies. It’s a large spectrum, with some being completely and clearly neurologically impaired, and others on the other end whom which you wouldn’t be able to tell have an ASD diagnosis and everything else in between. This is always important to acknowledge that, when it comes to autism, one person on one end of the spectrum could be damaged in a specific biological way, due to environmental factors discussed in this article, and another may not be damaged at all, in any way. In fact, some of them might even be more ‘enhanced,’ for lack of a better term.  Having received multiple labels myself as a child, I have come to learn that these labels are simply, for the most part, made up terms for big pharma to make trillions of dollars of off, it’s a big problem and one that has yet to be addressed adequately. Your child is not different, they are most likely damaged, something that may be hard for many to swallow, but we can’t keep ignoring all of the evidence that’s continually emerging by labelling those with autism as unique, which is ignoring the real cause of what’s really going on here, pure brain damage….

According to a senior researcher from the Massachusetts Institute of Technology (MIT), Dr. Stephanie Seneff, at the rate, we’re going, “by 2025, one in two children will be autistic.” (source) She’s been outspoken about the consistent and strong correlation between the rising use of Monsanto’s Roundup herbicide (with its active ingredient glyphosate) on crops and the rising rates of autism. Her research also reveals that the side effects of autism mimic glyphosate toxicity and deficiencies.

A few years ago, I wrote about a study coming out of the University of California, Davis, which determined that pregnant women who live in close proximity to land and farms where chemical pesticides are/were applied experienced a seventy-five percent risk of having a child with autism spectrum disorder, or some other developmental disorder. You can read more about that and access the study here.

Now, a new study has been published that implicates DDT as a possible trigger for autism. Having been an avid autism researcher for more than a decade now, it’s clear to me that there are several environmental triggers that can and do lead to an autism diagnosis, and multiple pesticides, including ones we used in the past, like DDT, are clear culprits. Others include prescription drugs during fetal development, vaccines, wifi radiation and more.

DDT was a commonly used pesticide designed to combat malaria-transmitting mosquitoes, it was banned in 1972 because it was linked to multiple health ailments, and clearly very dangerous, very similar to the ones that are falling under intense scrutiny today. It was banned years decades after its use, and is still found in some soils today, as well as many waterways. It takes more than a dozen years to break down.

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The results of the study were published in the  American Journal of Psychiatry, and the research was was drawn from mothers who were confirmed to have DDT in their body, just as many today do when it comes to other commonly sprayed chemicals, like glyphosate, which is highly detectable in most peoples urine across North America as well as Europe.

According to the lead author, Alan Brown,

DDT is still persisting in the environment and is detectable in almost everyone I would not say women should be conerned but itis important to be informed that at least this one chemical exposure is related to increased risk.”

“DDT is still persisting in the environment and is detectable in almost everyone,” lead author Dr. Alan Brown told IFLScience. “I would not say women should be concerned but it is important to be informed that at least this one chemical exposure is related to increased risk.”

It’s crazy because this chemical was sprayed on crops worldwide for decades, and seemed to have been replaced with chemicals that are just as harmful.

“What’s appalling is that we have known about these dangers for decades yet have done little about it. Nearly 20 years ago, scientists at the National Research Council called for swift action to protect young and growing bodies from pesticides. Yet today, U.S. children continue to be exposed to pesticides that are known to be harmful in places they live, learn and play.”

 Pesticide Action Network North America (PANNA) (source)

It’s becoming quite clear that what we call ‘autism’ is linked with environmental factors, and goes far beyond genetics, but our health authorities don’t want to admit that. Because if environmental factors are causing autism, and it’s not genetics, then we have a big problem on our hands, especially for multiple corporations basically control the government, and what science is deemed credible…

This is why we haven’t seen a ban on these pesticides despite the fact that it makes absolutely no sense to use them.

A study published a few years ago in the journal PLOS Computational Biology from researchers at the University of Chicago revealed that autism and intellectual disability (ID) (autism has nothing to do with intellectual disability) rates are linked with exposure to harmful environmental factors during congenital development, critical stages of fetal development.

According to that study,

Autism appears to be strongly correlated with the rate of congentical malformations of the genitals in males acrossthe country. This gives an indicator of the environmental load and the effect is surprisingly strong…TRhe strongest predictors for autism were associated with the environment.

You can access that study and read more about that here.

There Are Multiple Factors

“The change in how agriculture is produced has brought, frankly, a change in the profile of diseases. We’ve gone from a pretty healthy population to one with a high rate of cancer, birth defects, and illnesses seldom seen before. . . . The tobacco companies denied the link between smoking and cancer, and took decades to recognize the truth. The biotech and agrochemical corporations are the same as the tobacco industry; they lie and favor business over the health of the population.” – Dr. Medardo Avila Vazquez, a pediatrician specializing in environmental health (source)(source)(source) (Related CE Article on the GMO/Cancer link in Argentina here

There are too many cancer-causing, autism causing, and brain damaging products to list that are all contributing to debilitating health effects that are on the rise exponentially. And yes, vaccines are one of many environmental factors that have contributed to this. To say vaccines aren’t implicated in autism is completely unscientific, yet the mainstream makes you feel stupid for even questioning them. Take aluminum for example, we now know that aluminum from vaccines does not exit the body, but ends up travelling to distant organs and eventually ends up in the brain. The brains of deceased autistic people were also recently opened and some of the highest brain aluminum content in history was found.  This is just one of many examples of how vaccines are connected to autism and other damage, which is why the National Childhood Vaccine Injury Act has paid more than $4 billion. But that’s another topic in itself. But it’s important to mention.

It’s quite clear that they’re not completley safe.

Let’s not forget about Dr. William Thompson……

Vaccines, like environmental pesticides, prescription drugs during fetal development, and more have all been implicated in ASD, and that is an undeniable scientific fact. You can check out the related articles below for more information.

Daughter of “Autism Speaks” Founder  Shares Shocking Information About Vaccines (disturbing revelations)

Another Groundbreaking Study Links Agricultural Pesticides To Autism

Monsanto, Pesticides, Vaccines, & Autism: If We Continue On This Route, “All Children Will Be Autistic By 2025.”

Scientists Link Autism To These Toxic Chemicals During Fetal Development

This Is What Happens To The Brain When Glyphosate & Aluminum Accumulate In It

Scientists Discover Huge Amounts of Aluminum In The Brains of Deceased Autistic People

Study Shows Where ‘Almost’ 100 Percent of Aluminum From Vaccines Could Go Inside A Baby’s Body

MIT Professor Explains The Vaccine-Autism Connection

The Top 6 Reasons Why Parents Should Never Be Forced To Vaccinate Their Children

“Peer Reviewed” Science Losing Credibility As Large Amounts of Research Shown To Be False

10 False Claims Made By The Pro-Vaccine Community

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So far, the response to this interview has been off the charts as people are calling it the most concise update of what's happening in our world today.

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7 Sketches That You Won’t Believe Represent A State Of Anarchy



In Brief

  • The Facts:

    A 'state of anarchy' is simply a situation in which there is no ruler, controller, or authority.

  • Reflect On:

    How do we start reducing unwanted and unnecessary authority in our lives? What steps do we need to take as conscious individuals in order to create a whole society and world founded on expanding upon these liberating states of anarchy?

If I asked you what kind of image is evoked by the phrase ‘state of anarchy,’ you might think about a mob or gang in the midst of all sorts of confusion and chaos, a big fight going on with flare guns and smoke bombs, or looting, destruction, and all manner of crimes going down without someone around to protect the innocent. And while this image may go off in many of our imaginations, it is rather difficult to find such a scene when searching Google Images for a ‘state of anarchy’.

What we seem to find is that there is a kind of fight, between the oppressors and the oppressed, the masters and the slaves, the political elite and the regular people. Still, most images show people not in an internal state of aimless, unguided confusion, but rather in a purposeful struggle, where it is clear who the enemy is.

The sketch below, for example, may seem to come close to our mind’s perception of a state of anarchy, although upon further research this image represents the peasant rebellion in the French Revolution as depicted in ‘A Tale of Two Cities.’

In reality, the very meaning and usage of the term ‘anarchy’ has been subverted in our society. By whom? The very authority who do everything to veer people away from ideas, or in this case a single word, that is a threat to their grip on power.

From its etymology, anarchy simply means ‘no ruler,’ and a state of anarchy is simply a state in which there is no authority, or no master.  In my last article on Natural Law, I discussed anarchy as the desired state of sovereign individuals, and it got me thinking about putting up some of the following images as actual representations of a ‘state of anarchy’ that may at first seem surprising to you.

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1. Playing Pick-Up Games

One of the best examples I could think of is being out at a beach that has one or more volleyball nets. More often than not, complete strangers are able to come and go into the game, play for as long as they want, or just hang around on the sidelines. People that are playing are quick to invite others to join in or take their place. There might be someone taking some leadership in terms of counting the score or evening up the teams, but it is firmly established that there is no authority that everyone must follow. Everyone is sovereign, and in the rare case that there is trouble, the collective inevitably is able to manage itself.

2. Making Love

In its most sacred forms, you might say, making love is a pure state of anarchy, where neither person rules or is ruled, but rather both enter into a symbiotic relationship in which one receives by giving, where freedom, spontaneity and creativity are aroused.

3. Driving On Remote Country Roads

Out in the country in general, one is freer to live by one’s instincts rather than by rules. There are no cops to check your speed, no stop signs where roads meet, and in a sense you move into a relaxed alertness, knowing that you will have to respond in case something happens (i.e. an animal suddenly crossing the road). This is another example of a state of anarchy that our mind longs for and enjoys.

If you would argue that this kind of anarchy would cause chaos in the city where there is more traffic, I would only partly agree. True, there are cases where we can all reasonably agree on some rules to make our lives better, like traffic lights; but at the same time, we have all experienced arriving at a busy intersection when the lights have gone out. Not only is there usually an orderly (if not slightly slower) process by which cars get through the intersection; there is a sense that we are all working together, respectful of each other as sovereign beings, and are able to operate quite fine without the interference of some coercive authority.

4. Having Friends Over

Having friends over for a barbecue, party, or another event is a complete state of anarchy, and usually better off for that. Rarely is there a sense that guests have to follow iron-clad rules, but rather gravitate to an environment where they can relax, be themselves, and share the basic enjoyment of being alive with each other. Bringing a gift or a bottle of wine along is a matter of personal choice, not compulsion. Friends are rarely barred from entering a party if they haven’t brought a gift. The same is true of hosts. While they feel they may have to fulfill certain obligations, these are self-imposed, not thrust upon them by some external force. It’s why we enjoy getting together in this fashion so much.

5. Being Alone

All by oneself, in the presence only of nature and the spaciousness of our own mind and imagination, is the quintessential state of anarchy. It is impossible to be alone and be ruled. In this quieting and stilling of our mind, we can eventually come to a greater appreciation of our innate personal sovereignty.

6. Children Playing

Children playing together gives us all hope for our potential liberation from external authority. Many people will recall the spontaneous, reckless abandon they felt in times they played together as kids, where natural and instinctive order was created from our innocence and purity. Seeing kids run around and hearing them sing and shout can certainly feel to us like a state of anarchy, but one which we often look upon with fondness and envy.

7. Nature Itself

Nature itself epitomizes a state of anarchy, where no organism ‘rules’ over another by any means of coercion. Rather, there is an ecology and a harmony of individual self-expression amongst the organism themselves, and according to principles of Gaia, there is even harmonious and life-supporting communications between different organisms, The communications between trees in a forest are well noted. In some ways, nature embodies the form of collective that advanced civilizations of sentient beings aspire to live in.

Anarchy Reimagined

In our society, we generally look upon a state of anarchy as negative, which is one of the tools of that our oppressors use to keep us afraid of our natural desire for personal liberty and self-governance. Again, as I mention in my previous article on Natural Law, a state of anarchy is the desired state of truly sovereign individuals. However, before we work to destroy those forces that currently rule us, we must be ready to put something different in place, otherwise some other form of authority will simply fill the vacuum.

The key is that we collectively evolve towards becoming individually sovereign beings filled with love and compassion for each other in order to properly foster an ideal state of anarchy in our world.

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Media Misses Key Detail On Recent Trump GMO/Pesticide Ban ‘Lifting’, Here’s Why



In Brief

  • The Facts:

    Trump's administration recently released a memo cancelling a 2014 Obama-era memo about GMOs and neonicotinoid pesticide use. The media covered this story as a 'lifting of a ban' on GMOs, yet that's not what either memo says.

  • Reflect On:

    Why are we still leaving the door open for GMO and pesticide use in both administrations? Why is the media, across the whole board here, using any story possible to put people against the current administration? Has the deep state lost control?

In early August, Trump’s administration released a new memo from the Fish and Wildlife Service stating that the 2014 version of the memo, out of Obama’s administration would be cancelled and the terms of the new memo would now be in place.

The memo was in reference to a GMO and neonicotinoid bans that put in place to help protect the bee population and wildlife refuges. The 2014 memo was a positive step forward as it was publicly stating, even at higher governmental levels, that GMOs were harmful to agriculture and wildlife, as were neonics. This initial memo was coined a GMO and neonics ban, even though the language in the memo doesn’t actually say that.

Before we continue, we recognize and have painstakingly covered, the dangers of neonicotinoid pesticides and GMOs on our environment and wildlife. We have called for an all-out ban, based on our research, numerous times over the last 6 years and still hold completely strong to that truth.

What is discussed in both of these memos in regards to how to go about using pesticides and GMOs are NOT safe for our environment and wildlife. The fact that both administrations are leaving the door open for use is not in humanities best interest.

The 2014 Memo

Specifically, the 2014 Obama-era memo states that when it comes to both GMOs and neonicotinoid pesticides, they can be used on a case by case basis when refuge managers request such and the case is brought through the proper channels of approval.

Below is a piece of that memo, which can also be viewed here, referring to the requested use of neonics.

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2014 memo referring to neonic pesticides.

When it came to the subject of GMOs in the 2014 memo, Obama’s administration made their stance very clear as well:

2014 memo referring to GMO use.

In both cases, we see that it was never an all-out ban, but simply an open door where neonicotinoid pesticide use and GMO use to be requested and reviewed on a case by case basis.

Now let’s have a look at the 2018 memos that resulted in media coverage alluding to a ‘lifting of the GMO and neonic ban’ put in place by the Obama administration.

“The Trump administration has rescinded an Obama-era ban on the use of pesticides linked to declining bee populations and the cultivation of genetically modified crops in dozens of national wildlife refuges where farming is permitted.” Reuters

The 2018 Memo

When referring to GMOs, the 2018 memo states:

And when speaking about neonicotinoid pesticides the 2018 memo states:

As you can see once again in both cases, the language is the same. There was never an all-out ban in place, and all uses will be based on approval on a case by case basis.

What Media Coverage In This Way?

When we initially printed this story, we only had access to the 2018 memo that was recently released. Based on widespread media coverage and the memo itself, it appeared as though this was, in fact, a lifting of the ban. But once we got our hands on the 2014 memo from the Obama admin, it became clear this was the same language, and that the media was now weaponizing this story against Trump’s administration.

You may follow CE’s work a lot, or you may be new to it, we are politically neutral and do not side with political parties in any way. We report on what ACTUALLY happens, not a slanted angle based on a political agenda. In that perspective, we are not attached to events but can instead see how they play into a big picture.

With that said, why did the media cover this story in a manner that was so damning to the Trump administration?

We have been reporting on the fact that from our observation, experience, and analysis, as well as our conversations with contacts we have connected to the intelligence communities, we feel that Trump has come into this space as an outsider to the specific cabal/deep state group that has been in control for many many decades. This was the cabal group that would have put Hillary in place if there wasn’t a divide taking place in the intelligence community that had the plan flipped. You can learn about that in detail here.

Leading up to the election, and since he has been POTUS, Trump has been all out attacked by every single news station, with the exception of FOX, in a big way – an unprecedented happenstance. Since we know that only 5 corporations own all of the US media, and these 5 corporations are tied to powerful elite within the deep state, it would begin to seem like a war on an outsider more than anything else. Again, a detail we have covered in depth over the last 2 years as many examples of this have surfaced.

Below is a video that dives into this story and the deep state involvement in more detail, but the thing to note here is, we must step beyond identity politics and siding with a political party in general if we want to see the truth of our world and begin to change it. This is the illusion being set forth to divide us and keep us from unifying under a deep understanding. Before we react to and believe much of what is coming out of the mainstream media today, we must recognize this deeper war taking place here and dig deeper to find the truth.

Free David Wilcock Screening: Disclosure & The Fall of the Cabal

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So far, the response to this interview has been off the charts as people are calling it the most concise update of what's happening in our world today.

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