Saturday, September 1, 2012

Beware the Democracy!

Seriously, sheeple?

There is something very important that Americans need to know (other than the Constitution, of course, which NO ONE seems to know these days): The United States government is not, I repeat: NOT a democracy. What may (but shouldn't) surprise you, is that it was never supposed to be a democracy either. The founding fathers had no intention of giving us a democratic government. It was intended as a republic.1

[D]emocracies have ever been spectacles of turbulence and contention; have ever been found incompatible with personal security, or the rights of property; and have, in general, been as short in their lives as they have been violent in their deaths.2 James Madison 
Remember, democracy never lasts long. It soon wastes, exhausts, and murders itself. There never was a democracy yet that did not commit suicide.3 John Adams
A democracy is a volcano which conceals the fiery materials of its own destruction. These will produce an eruption and carry desolation in their way.4 The known propensity of a democracy is to licentiousness [excessive license] which the ambitious call, and ignorant believe to be liberty.5 Fisher Ames, Author of the House Language for the First Amendment
We have seen the tumult of democracy terminate . . . as [it has] everywhere terminated, in despotism. . . . Democracy! savage and wild. Thou who wouldst bring down the virtuous and wise to thy level of folly and guilt.6 Gouverneur Morris, Signer and Penman of the Constitution
[T]he experience of all former ages had shown that of all human governments, democracy was the most unstable, fluctuating and short-lived.7 John Quincy Adams
A simple democracy . . . is one of the greatest of evils.8 Benjamin Rush, Signer of the Declaration
In democracy . . . there are commonly tumults and disorders. . . . Therefore a pure democracy is generally a very bad government. It is often the most tyrannical government on earth.9 Noah Webster
Pure democracy cannot subsist long nor be carried far into the departments of state, it is very subject to caprice and the madness of popular rage.10 John Witherspoon, Signer of the Declaration
It may generally be remarked that the more a government resembles a pure democracy the more they abound with disorder and confusion.11Zephaniah Swift, Author of America's First Legal Text
Democracy today is lauded as the epitome of social evolution. President [elect] Obama, in his victory speech after having won the 2012 Presidential Election, said "tonight we proved that the true strength of our nation comes not from the might of our arms or the scale of our wealth, but from the enduring power of our ideals: democracy, liberty, opportunity and unyielding hope."12 President Reagan also said "One's country is worth dying for, and democracy if worth dying for, because it's the most deeply honorable form of government ever devised by man."13 When a host of selfish, whinny bandwagoners decide that their jealousy of rich Wall St. executives is justified simply because of their numbers, and no one stands to call them the socialist, lazy, leprous beggars that they are, democracy is king.

Democracy is rule by the masses. It means, everyone gets a vote on everything. There is no leadership, because all decisions are made by the masses, not through leaders. This is totally contrary to even basic human nature. It is natural for human beings to gravitate toward strong leaders, whether they are good or evil. People yearn inescapably to be governed. People want to be led. Hitler, a horrible mass murderer, was no anarchist. He believed in government, he was charismatic, and he was driven. This is why people followed him; not necessarily because they believed in his ideals. Democracy is counter nature.

A Republic, on the other hand, is the natural, (albeit far more formalized) productive form of government. A person (or a few people) represent the masses in governmental assembly. This person (or people) arbitrates for those he or she represents. The representatives congregate (i.e. Congress) to make laws by which to be governed. This is where we get the concept of our US Constitution. a republic streamlines a lawmaking process by which all are governed, instead of people being governed by themselves, as with a democracy.

Democracy: Rule by the masses
Republic: Rule by law through representation.

Another point to make about a democracy is its inherent ability (and inevitability) to destroy the needs of the minority/minorities. If the masses rule, the minorities have to deal. In a republic, instead of everyone getting a vote, everyone gets representation. While these are similar, they give more power to differing stances.

Americans today are deceived into thinking that this word "democracy" is the ultimate goal that every country should have. Granted, it is certainly better than some other forms of government out there, but AT BEST, it should only be used as an extremely brief stop-gap between the extreme tyrannical or anarchical governments and the goal of a republic. Democracy is not a good form of government. It is a lazy and inherently dangerous form of self-destruction that should be treated as more dangerous and less useful than a megaton nuclear bomb.

A final note: It is my personal belief that individuals cannot decide what is best for the whole, but they furthermore should not. The masses cannot know what is best for everyone, especially in a nation the size of ours. I love my country, but I've never lived in California, so I couldn't be trusted with the making of all of their laws. Likewise, asking me to vote on Alaskan law is detrimental to Alaskans because I have no experience in the land where those laws would be enforced. A Pennsylvanian should represent Pennsylvania when their laws are written, and a Texan should make his or her voice heard on behalf of Texas when its government is decided.

Take this with you to the polls when you go to vote in a few months: Remember that democracy cannot stand. Only a Republic, checked by a constitution, composed of representatives of the people, by the people, and for the people can stand the test of time. Vote for the candidate(s) that will work to PRESERVE the founding fathers' dream, not seek to make it into what he thinks it should be. The United States of America are presided by a president, not ruled by one.

1. An example of this is demonstrated in the anecdote where, having concluded their work on the Constitution, Benjamin Franklin walked outside and seated himself on a public bench. A woman approached him and inquired, "Well, Dr. Franklin, what have you done for us?" Franklin quickly responded, "My dear lady, we have given to you a republic--if you can keep it." Taken from "America's Bill of Rights at 200 Years," by former Chief Justice Warren E. Burger, printed in Presidential Studies Quarterly, Vol. XXI, No. 3, Summer 1991, p. 457. This anecdote appears in numerous other works as well.
2. Alexander Hamilton, John Jay, James Madison, The Federalist on the New Constitution(Philadelphia: Benjamin Warner, 1818), p. 53, #10, James Madison.
3. John Adams, The Works of John Adams, Second President of the United States, Charles Francis Adams, editor (Boston: Charles C. Little and James Brown, 1850), Vol. VI, p. 484, to John Taylor on April 15, 1814.
4. Fisher Ames, Works of Fisher Ames (Boston: T. B. Wait & Co., 1809), p. 24, Speech on Biennial Elections, delivered January, 1788.
5. Ames, Works, p. 384, "The Dangers of American Liberty," February 1805.
6. Gouverneur Morris, An Oration Delivered on Wednesday, June 29, 1814, at the Request of a Number of Citizens of New-York, in Celebration of the Recent Deliverance of Europe from the Yoke of Military Despotism (New York: Van Winkle and Wiley, 1814), pp. 10, 22.
7. John Quincy Adams, The Jubilee of the Constitution. A Discourse Delivered at the Request of the New York Historical Society, in the City of New York on Tuesday, the 30th of April 1839; Being the Fiftieth Anniversary of the Inauguration of George Washington as President of the United States, on Thursday, the 30th of April, 1789 (New York: Samuel Colman, 1839), p. 53.
8. Benjamin Rush, The Letters of Benjamin Rush, L. H. Butterfield, editor (Princeton: Princeton University Press for the American Philosophical Society, 1951), Vol. I, p. 523, to John Adams on July 21, 1789.
9. Noah Webster, The American Spelling Book: Containing an Easy Standard of Pronunciation: Being the First Part of a Grammatical Institute of the English Language, To Which is Added, an Appendix, Containing a Moral Catechism and a Federal Catechism (Boston: Isaiah Thomas and Ebenezer T. Andrews, 1801), pp. 103-104. 
10. John Witherspoon, The Works of John Witherspoon (Edinburgh: J. Ogle, 1815), Vol. VII, p. 101, Lecture 12 on Civil Society.
11. Zephaniah Swift, A System of the Laws of the State of Connecticut (Windham: John Byrne, 1795), Vol. I, p. 19.
12. President [elect] Obama, in his victory speech before taking office as President of the United States of America. July 12, 2012.
13. President Ronald Reagan, in Remarks at a Ceremony Commemorating the 40th Anniversary of the Normandy Invasion, D-day, June 6, 1984.

Friday, April 20, 2012

How to have free cars for life!

Ever heard someone tell you "you'll always have a car payment"? My supervisor is the same way. He believes that it's not possible to live the American life without debt. How lost and confused some sheeple are...

While I'm not going to make a post on how to avoid all debt in life, I will post about a very easy way to pay cash for cars and never have a car payment again. The principles in what I'm about to show you can be easily transferred to nearly every other kind of recurring debt of this kind, so I guess you could say it's a sort of debt-free advice post.

So, you just can't wait to get a new car, right? Think the dealer made you a great deal? Okay, let's say you're like one-third of Americans that now have a 6-year car note of $26,000 at around 9.6% interest. That's about a $475 monthly payment. Now, buying a new car is never a good idea, because the second you drive your new car off the lot, it looses 25% off its value! So, not only are you in debt for $26,000 (which is really way more when you factor in interest), but you can't even turn around and sell your brand new car for what you paid for it 30 minutes ago! You're car is now worth $6500 less, and you haven't even put your first mile on it yet. And it gets worse. In four years, your wonderful car has lost about 70% of it's value and you still have 2 more years of car payments left! And it gets worse. After you've paid the car off, you've ended up spending $33,000 on your $26,000 car, which is probably only worth $6000+ six years later. Baaaaaaad sheeple. Not to mention, you're probably going to get car fever at the end of that six years, then go out and get another car loan and start this whole process over again. That is how sheeple live, and that is why they say you'll always have a car payment.

The problem is not just the math, it's the mentality. If you let yourself think that you're always going to be sending hundreds of dollars a month to a bank so you can drive a nice car, then the bank is only going to be too happy to help you live that dream. But, if you want to break off from the flock of brainwashed sheeple and start making your money work for you, here's an alternative:

Using our previous example, you wanted a car that came with a $475 monthly payment, right? Okay, well, let's lowball it and say that your current car is worth $1500. Let's say you keep driving your current car a while and pay yourself the $475 a month. After 10 months, you'll have $4750. Add that to the $1500 you can get for your current car, and you could buy a used car for $6250...and have NO MONTHLY PAYMENTS! So, to reiterate, you can upgrade your $1500 car to a $6250 car in 10 months, never having dealt with a bank! And it gets better! Let's say you keep paying yourself $475 a month after you buy the used car. In another ten months, you'll have another $4750 in your bank account. Since you bought a used car instead of a new one, the depreciation value over 10 months is probably negligible, so let say you can sell it for $6250. Add that to the $4750 you have in the bank, and you could buy an excellent, used $11,000 car in just 20 months!

So, by paying yourself instead of a bank, you upgraded your $1500 car to an $11,000 car in less than two years! And you were about to sign up for a 6-year contract at $ see where I'm going with this..?

And it gets better! Let's blow this only slightly out of proportion: Okay, so for 20 months, you've paid yourself and upgraded your car to a kinda nice one that you completely own. But let's say you keep paying the $475 to yourself in the form of a mutual fund specifically earmarked for car replacement for the remaining 52 months you would have been paying on the original car loan, and fast forward to the end of the six years...

...If you had gone through with the old plan, gotten a car loan, made payments of $475 to the bank every month, you will have just paid off your car, lost $27,000 over the past 6 years (if you include the interest you will have paid by now), and only have a $6000 car to show for it.

But if you had paid yourself instead, you'd have a paid-for $11,000 car which is probably still running, but getting a little old and you're wanting to upgrade. Want to know how much money you'd have in that mutual fund? Well, if the average stock market holds at its 12%, you'd have $32,000! So, you have a car that you own, and money in the bank, versus having a $6000 car and nothing in the bank. Which would you rather have?

At this point, if you go out and buy a used (or even new at this point) car for $12,000, you'd still have $20,000 sitting in the mutual bank earning 12% interest (did you catch that whole earning thing instead of paying?).

Now here's where things really start to go crazy.

If you never pay a single dollar more into your mutual fund, you'll still be able to buy $14,000-$18,000 cars IN CASH every five years! Woohoo! Free cars for life!

And it gets even better! Now that you're not making car payments anymore and the interest from your mutual fund is running on autopilot, let's see what you could do if you decided to start paying yourself $475 every month again. Of course, there's no hassle with the banks, no late payment fees, no repossession pressure that you'd have with a car loan, just money in your pocket.
If you did this, you'd have $100,000 in just 10 years! Wow!
In 20 years, you'd have about $470,000!
In 30 years, you'd have $1,600,000!
And in 40 years, that $475 car payment would be worth $5,588,385! That's a 40-year retirement plan with free cars!!!

I put this to you: If you can live with your car for just a little while longer and pay yourself first, you can really go somewhere. So make the choice today, break off from the herd of sheeple and change your economy. Recession-proof yourself by staying out of debt, being patient, and being the master of your money.

Modern Day Slaves

"The rich rules over the poor, And the borrower becomes the lender's slave." Proverbs 22:7

Sounds like a condemning Old Testament verse, right? That totally doesn't apply to today, does it? I mean, America did away with slavery in 1865, and they even had a war to solidify the decision! How can this not be a fallacy?

I believe the Bible to be completely infallible, inerrant, and God-breathed. If this is true, then slavery certainly still exists today, and it is absolutely rampant. I thought about writing this blog post about how credit card companies are run by amoral, lying scum, but realized I didn't have the time today (if you would like me to elaborate with several examples in a future post, please respond likewise in a comment).

"For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs." I Timothy 6:10

Some people think money is good. Some people think it's bad. Both assumptions are wrong. The Bible doesn't exactly call money either. Money is a tool. It is an instrument by which both good and bad things can be done. In that, money is like fire. Fire can be destructive, burning homes, forests, and killing people. But if used correctly, fire can create stronger materials (like steel), purify gold and precious metals, and heat a home, keeping people alive. Likewise, money can be used to buy someone food, pay for a home, buy a gift, or build a school or church. Alternatively, money can be used to bribe an official into voting opposite his conscience, or it can be spent to fuel a destructive gambling addiction, or it can be lent to someone with unmanageable interest, and then the borrower finds himself the slave of the lender.

Have you ever borrowed money from family? If you have, you probably know that this can be an extremely volatile situation. First off, the Bible strictly forbids lending money with usury (interest) to people who are your countrymen (Leviticus 25:35-38). Second, even if the family member doesn't specifically ask for interest, many times, they do expect to be repaid, and if you've ever been there, you know the relationship is never the same until restitution is made, and sometimes even after the recompense is made, there's a lingering awkwardness. 

Jesus warned against lending in Luke 6:35 - "...and lend, expecting nothing in return..."I believe that Christ's intention was to give to others freely according to their needs and your abundance. The early church was a model for this in Acts 4:32, 34-35 - "And the congregation of those who believed were of one heart and soul; and not one of them claimed that anything belonging to him was his own, but all things were common property to them... ...For there was not a needy person among them, for all who were owners of land or houses would sell them and bring the proceeds of the sales and lay them at the apostles’ feet, and they would be distributed to each as any had need."

So, if we know we are not to lend to others expecting return or interest, can we not conclude that we are not to allow ourselves to become slaves to lenders by accumulating debt? I believe we can assume this. Consider the following:

1. "You shall have no other gods before me..." Exodus 20:3-4"
2. "...the borrower becomes the lender's slave." Proverbs 22:7
3. "No one can serve two masters..." Matthew 6:24 & Luke 16:13

Therefore, if you borrow money knowing you'll owe it back, you are temping yourself toward idolatry and bondage to someone other than God! What a radical thought!

Too many Christians think that you can't live life without some kind of debt. I can't tell you how many times I've heard sheeple say "you'll always have a car payment." I'm sorry, but if you believe that, you're an idiot because no one can make you sign for a car. And you're also deceived because having a car payment has only been the norm for about 50 years. If you want a smart, reliable way to have a car and not have a car payment, check out my next blog post. I'm going to do a plug on how to drive free cars for life and retire on around $5.5 million;) 

In summary, I say this: if you're borrowing money, you're turning yourself into a slave to someone other than God, because He does not loan out His gifts. And remember not to loan out anything, especially with interest. This is not God's plan for His people, His church, or His servants.