Wimminz – celebrating skank ho's everywhere

January 1, 2012

Debt, Contract and the Golden Rule.

Filed under: Wimminz — Tags: , , , , , , , , , , , — wimminz @ 12:07 pm

Fred owes 5k to Bank A for a car loan.

Fred owes 175k to Bank B for a home loan / mortgage.

Fred owes 2k to Bank C for his overdraft / plastic.

The car loan from Bank A was made at an interest rate of 9.5%, the home loan from Bank B was made at a rate of 4.25%, the overdraft/plastic from Bank C is 13.95%

Three separate loans, three separate legal contracts, three separate incredibly powerful potential opponents.

Fred, or Freda, has goldfish memory, he cannot remember ordinary vehicle purchase loans running at 33% APR… I can.

Fred, or Freda, also suffers from massive ignorance, if Bank A sells Fred’s debt to Bank C, then Fred can forget all about any arrangements or contracts he had with Bank A, they all expired, the only thing left is the debt.

Bank C can say to Fred “Pay us in full, NOW!” or they can say “Everything is staying the same, except we are charging you 25% APR interest on your outstanding balance, not the 9.5% you were paying.”

Fred or Freda cannot stop Bank A selling his debt / contract to Bank C, if Fred / Freda doesn’t like it the only real option is to pay off the debt in full, and yes, there will be an extra “arrangement fee” to do that.

Fred or Freda cannot enforce the terms of a contract between Fred(a) and Bank A, upon Bank C, as they are not named in it, Bank C bought the debt from Bank A, Fred(a) wasn’t part of that deal legally either.

Once Bank C hold’s Fred(a)’s debt, then that debt is the only thing that has survived the transition from Bank A to Bank C.

Bank B now notes that Fred(a)’s financial situation has changed, eg loan payments have just gone through the roof, making the outstanding mortgage more risky, and more risky loans = higher interest rates, so Bank B increases the minimum monthly payments Fred must make.

In the “last” recession I had a friend, he had a great business, it employed 12 people, cash flow was good, order books were full for nearly 18 months, he was doing great, naturally enough he used Bank provided finance to make everything simpler and easier and smoother, but see above, cash flow was great, order books were full for the next year plus, all 12 staff were working and making him a profit, he was making all his payments on time and had cash deposits as well.

The Bank called him in, sat him down, and called in ALL his loans, which closed his business, put 12 men out of work and left his customers on the order books having to find a new contractor etc etc

The Bank manager told him, unofficially, plain as day, “Fred, we (the Bank) did not call all your loans in because you could NOT pay, but because you COULD pay… we need the money…”

This, like a certain bank offering me a vehicle loan at 33% APR are not mythical fairy stories, this shit happened in my lifetime not ten miles from where I sit right now.

The fact is people today not only lack clue #1 about the true nature of debt, they also lack clue #1 about the true nature of Contract Law, and they lack clue #1 about the Golden Rule, he who has all the gold makes all the rules…

Fred(a) vs Banks A/B/C in various Courts, arguing that Fred borrowed the money for the car from Bank A, and that should be that, is an unequal battle, a non starter, it is going to do nothing except pound Fred(a) even harder into the ground.

Those of us who are not Fred(a), those of us who always understood that percentage interest on loans is an Exponential Function mathematically speaking, those of us who always understood that the Bank has more lawyers than I have hairs on my head, those of us who always understood that a loan from a bank for a car was a contract, and just as I can sell the car at some future point the Bank can sell my debt at some future point, those of us who always understood that THE LOAN HAS YET TO BE WRITTEN THAT DOES NOT CONTAIN A PROVISION ALLOWING THE BANK TO DEMAND IMMEDIATE AND FULL SETTLEMENT FORTHWITH, are those of us who relatively speaking owe sweet fuck all today, view what the rest of us are doing as some sort of cross between boarding a train that is already involved in a slo-mo train wreck, and jacking yourself up with the latest wonder drug which is nothing more than rat poison with a label stuck on it saying “Wonder drug” and obscuring the rat poison label… barely…

Indentured Servitude is an evil thing, and yet it appears that all those who have the gold have to do is offer the screaming masses a iphone and a large screen TV and a new model Ford on easy easy terms, and Fred and Freda will willingly take the first steps on the short and slippery path to Indentured Servitude.

 

November 30, 2011

I don’t know how much longer the signal will last…

Filed under: Wimminz — Tags: , , , , , , , , , , , , , , , — wimminz @ 12:20 am

It’s a line from many films / stories.

It’s a meme, but it is a resonant meme because all human beings get the idea that all things come to an end, and sometimes there just isn’t enough air / food / water / lifeboats / power / bullets / whatever to survive any longer.

My original trade was engineering.

Let me tell you something about engineering, it applies to life generally.

When something mechanical dies, the actual dying event from beginning to end is relatively speaking quite brief, before that there is a protracted period of wear and inadequate maintenance, which is often referred to as the “service life“, but the “failure event” is quite short.

The other thing you need to know about the failure event is you can break it down into smaller slices of time too, and 99% of the damage happens in the last 1% of time.

With me so far? Good.

The last thing you need to know is that once the “failure event” has started, there is nothing you can do to prevent it, the time when you could have limited the damage was back in the “service life” period, but you can no more do anything about that than you can pop back in time and give yourself in 2005 all the winning lottery numbers for the next 5 years.

Businesses, societies, wars, they all follow this pattern, when things start to go to hell in a hand-cart it is already too late, and the pace at which that hand-cart speeds down the hill to hell is constantly accelerating.

Sadly for us our western economies have passed the point where mere preventative maintenance will suffice, far too much is broken, far too many lies have been told, far too many bodies swept under the carpet, far too many vested interests refuse to accept reality.

Tomorrow in the UK loads of state workers go on strike demanding that the taxpayer continues to fund their already very generous (compared to the private sector) wages and pensions, meanwhile the UK is the most indebted nation on the planet.

Those who got on lifeboats from the Titanic DID FUCKING COMPLAIN ABOUT THE CONDITIONS, THE COLD, THE WET, THE LOSS OF BELONGINGS, etc.

Oil prices are already fucked and yet the powers that be are agitating for a land war in Iran, which will have knock on effects on the Straits of Hormuz etc… it’s not like Libya isn’t basically offline and Iraq isn’t basically offline already.

When the banks crash and take sovereign currencies with them, and your deposits and pensions, and as has always happened in the past the state prints a NEW currency and all your old currency is toilet paper, you are going to find an interesting situation where only one class of people in society have any real life experience or surviving in an economy without access to currency.

Prison inmates and ex-prison inmates.

Let me take cunt as an example, as I type this I have two wimminz who basically beg me to fuck them, in any way I please, imagine you are a third wimminz, precisely what value do you think your cunt has to me right now?

Just how much time and effort do you think I am prepared to spend negotiating access to and use of your cunt?

There is only so much cunt I can use, I already have two, so basically you are aiming at lay-away standby status, unless you are very very hot and horny and sexy and hope to displace one of the current two, and even so, what is your actual value to me?

The question then becomes what do you have to trade APART from cunt for my company… one of these two offers me free food, beer and long or short term accommodation, what do you have to trump that, especially bearing in mind that I do not take that offer, except the odd overnighter.

Car? I have one, better than yours. Giant flat screen telly? I have one, better than yours.

It’s that old prison inmate barter system, chances are that mostly it doesn’t matter what YOU want, because YOU DO NOT HAVE ANYTHING TO TRADE THAT THE OTHER GUY WANTS.

That’s why the economy and banking system will collapse, who actually wants Bank X’s bad debts?

Branson / Virgin only took on Northern Rock on the express understanding that he took on none of the toxic debts.

Take my street, who wants to take on 150k mortgages from people who can not ever pay them off, “secured” against properties that were recently “worth” only 50k and soon will be again?… the bloke / bank holding / selling the 20 mortgages for my street, “valued” at 20 x 150 = 3 million, can’t find a buyer, because the people who owe that money can’t pay, won’t pay.

As prisoners know, unless you have something of value to trade, you can’t even buy protection, so unless you can stand on your own two feet, you actually become someone else’s commodity.

Even if you have something to trade, the value you ask me for it in trade better be less than the effort it costs me to just take all your shit.

Even if you have something to trade, the value it has is no higher than the value anyone else with the same thing is prepared to trade it for, or what I can take it from them by force for.

We have successfully devalued the “worth” of a human life, of human dignity, of human rights, in places like Libya and Iraq and Afghanistan and soon Iran to effectively zero.

Our lives cannot be worth any more, and indeed they are not, the endless streams of our young men sent over to have limbs blown off proves this beyond all possible doubt.

As indeed does the treatment of fathers back home here in the UK.

When you systematically reduce the value to society of a man to zero, then the “mark to market” for the value to society of wimminz, of niggerz, of politicians, of bankers, must inevitably follow and be found to have a similar worthless valuation.

I have skills, I can design, build and install running water, sewerage, electricity, comms, all the basics of human life, we have already established that if you are a wimminz your cunt is already almost literally worthless to me, so what do you have to offer if you are a niggerz? an ex policeman, an ex lawyer, an ex politician, and ex office manager, an ex banker? You do not even have cunt to offer me.

The really funny thing?

The vast majority who flatly refuse to hear the warnings that we have already passed the service life stage of society and are in the failure event stage, and the rate of change towards chaos can only increase as we approach the end of the failure event stage.

To paraphrase Churchill; “this is not the end, this is the beginning of the end“

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October 21, 2011

It’s an education.

Filed under: Wimminz — Tags: , , , , , , , , , , , , , , , — wimminz @ 12:51 am

Life, that is, and the slings and arrows of outrageous fortune.

What I can tell you is this, 2012 will see my life moved to the point where I can video blog… I will be able to say a lot more about a lot more…

In the interim, let’s get back to the “school of hard knocks”, here are some of the course modules, you are either smart and ruthless enough to learn them, or you are not.

  1. Seeing your children killed in an accident is less painful and traumatic than having them abducted by your skank ho ex and the secret family court system and associated parasites, once a child is dead its suffering ends, which mitigates yours somewhat.
  2. Washing your hands of your children the INSTANT the secret family courts have become involved is the only way to ever be a free man again.
  3. Our “leaders“, whether they be politicians, senior businessmen, bankers, or judges, are all far less competent at their jobs than you are at your trade.
  4. All women are filthy lying whores.
  5. The secret to survival is to be free (see point #2 above) and “lightweight“, eg able to act and react and make major changes in your own life within 24 hours. Me Evil Penis (blog link on the right) was able to leave one country and move 2,000 miles to another…. “assets” can also be a ball and chain.
  6. If you are a white man in Europe, then genetically, physically and intellectually you have more in common with a crippled black man in Africa than you have in common with a white woman sat next to you.
  7. The people running countries, banks, armies and large corporations are much worse at their jobs than you are at your job… the average plumber with a string of leaks behind him and three attempts to fix each job is FAR more competent than these people… at least he eventually gets the fucking job done. Yes I know I said this at #3, but it is so profound and so important it bears repeating.
  8. Given “x” possible answers to a given question, the truth is almost invariably the most unpleasant one for you personally to stomach.
  9. There doesn’t have to be a “conspiracy” to put YOU on the food chain, all it takes is “rent seeking behaviour” and all that takes is an appropriate environmental niche.
  10. There is no Justice. Just Us.
  11. Only ever judge people by what they DO. Utterly ignore what they SAY or PROMISE.
  12. Neither a borrower nor a lender be.
  13. The greatest confidence tricks all involve convincing you that you have some skin in the game the confidence trickster is trying to sell you on. You don’t, the ONLY game you have skin in is survival of yourself.
  14. Cunt is worth precisely as much as a few squares of toilet roll. One is used to wipe your ass, the other is used to dump your cum… but toilet roll never made a False Rape Accusation against anyone.
  15. In life you do a lot of things alone, you suffer pain alone, you die alone, you stand alone in a family court, get used to this, and get used to the fact you can’t prevent anyone else from this fate either, not even your own kids.
  16. Let God sort ’em out… seriously, life is too fucking short to piss it away seeking revenge on those who are already punished best by being themselves… yeah, they spread their misery, see #13 and #15.
  17. Rust never sleeps.

IN ending this piece, I want to show you something… this follows on what I have been saying for months now about all the dumb fucks running things, the danger is not so much that they are dumb fucks, but that we have built a society based upon science and technology (quoting Sagan) that is ruled by those who are fucking clueless about science and technology, the field of IT alone means that financially everything is now interlinked in ways that were simply impossible in the days of the telex machine and punched card mainframe computer in banking.

A University of Zurich study ‘proves’ that a small group of companies – mainly banks – wields huge power over the global economy.

The study is the first to look at all 43,060 transnational corporations and the web of ownership between them – and created a ‘map’ of 1,318 companies at the heart of the global economy.

The study found that 147 companies formed a ‘super entity’ within this, controlling 40 per cent of its  wealth. All own part or all of one another. Most are banks – the top 20 includes Barclays and Goldman Sachs. But the close connections mean that the network could be vulnerable to collapse.

‘In effect, less than one per cent of the companies were able to control 40 per cent of the entire network,’ says James Glattfelder, a complex systems theorist at the Swiss Federal Institute in Zurich, who co-wrote the research, to be published in the journal PLoS One.

Some of the assumptions underlying the study have come in for criticism – such as the idea that ownership equates to control. But the Swiss researchers have no axe to grind: they simply applied mathematical models usually used to model natural systems to the world economy, using data from Orbis 2007, a database listing 37 million companies and investors.

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