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Inflation is vicious to fiat money users.

by tonytran2015 (Melbourne, Australia)

#inflation, #fiat money, #taxation by stealth, #indexation, #cost of living

Figure 1: Fiat money are paid to government employees. All citizens have to pay their taxes with that fiat money.

Inflation is vicious to the citizens who have to accept fiat currency from their ruling government. It is half terrible as having to use money with some use-by dates. Only governments like inflation.

1. Inflation.

It is convenient to begin the discussion with my previous posting entitled Your Fiat Money, part 2 (reference [1]). It is easily seen that the government can choose to pay its employees X units of its fiat currency C1 and require the whole population to pay it all taxes amounting to X units of that currency. The fiat money C1 will find its own value in the population depending on how government employees interact with the whole population of the country.

Alternatively, the government can choose to pay its employees Y units of another fiat currency C2 and require the whole population to pay it all taxes amounting to Y units of currency C2. Again the fiat money will find its own value in the population.

As other things are equal, we must have

X*C1 = Y*C2

and the value of a fiat currency is inversely proportional to the amount issued by the government to its employees.

Consequently, if all other things are unchanged but the government increases both the payment to its employees and the tax to be collected by 3% every year then its currency is worth only 100/(100+3) its former value one year ago. This is called an inflation at a rate of 3% per year.

2. Inflation is a rent on fiat money.

After selling his stock, a trader has cash (which is fiat money), he will have to use his cash to buy new stock. If he holds on with the cash for one year, he can buy only (100-3)% of what he could have bought immediately. This works as if he was renting the cash from the government at a cost of 3% a year.

The long standing wisdom is not renting anything you don’t really need and people should not keep cash longer than it is absolute necessery.

Any government will love inflation. It is its best next thing to issueing money with expiry dates and un-redeemable government bonds, vouchers (Old scams but still can be practiced against illiterate, trusting populations)

3. High inflation may feed on itself.

Remember that the fiat money will find its own value in the population depending on how government employees interact with the whole population of the country.

When high inflation occurs people may try to increases prices in anticipation, causing even more severe inflation.

People may then even try to avoid using any fiat money at all and they may choose their own alternative bartering medium such as food (rice grains or flour) or commodities (gold or silver) instead of the readily available but steadily depreciating fiat money.(see [4,5,6,7] for bartering techniques). Such avoidance of fiat money brings even more loss of its value and deepens the inflation.

When inflation is too high, the ruling government may lose its grips on the economy and chaos may follow (as in Germany prior to 1933).

4. High inflation reduces actual interests on government debentures/treasury bonds.

Inflation is to be subtracted from the interest rate given by any government debenture/treasury bond.

The inflation rate is hard to obtain but it must be taken into account when buying government debentures.

Unless the after tax return from a government debenture/treasury bond is higher than inflation, the bond holders may actually LOSE money on their bonds.

The interest rate given on Government Debenture/Treasury Bond is determined at the time of sale while actual inflation is made after that time. A government can easily wipe out its debts to bond holders by producing very high inflation. (see [10]).

5. Inflation rips off members of pension plans.

The loss caused by inflation on cash based holdings (rents on cash) also applies to long term storage of values such as saving for retirements.

Unless inflation has been taken into account, most perceived benefits of pension plans can be only just mirages given to uninformed plan members. To have any real benefit after tax and INFLATION, plan members usually need cash contributions/injections by the government and if they don’t obtain them there will arise the problem of unfunded liabilities.

In most cases, the contributed funds of any pension plan cannot earn any net income AFTER tax and INFLATION. If there is no cash contribution/injection by government, plan members would be MUCH better off using their contributions to buy gold and save the gold for their own retirements.

Vietnamese standardized gold slabs for trading

Figure: Vietnamese standardized gold slabs for trading.

The imminent run (insolvency) of pension plans are only the tip of the iceberg.(see reference [8]).

6. Inflation produces a stealthy wealth tax.

Inflation actually produces stealthy, disguised taxes on your properties.

When you change your house, as you have to move to a new location for new jobs, the value of that succession of similar houses keep on increasing due to inflation. Governments can classify the increases as “incomes” and impose taxes on them. Some governments have already done that. This type of FALSE incomes may also be extended to include your other possessions such as cars, jewelleries, housegold goods and gold holding.

These taxes on FALSE incomes are actually taxes on your possessions such as your houses and the tax rate depends on inflation. Your legislative representatives will not bother to make yearly oversight of it and the governments easily get away with it.

The federal authority may have encroached on the rights of member states if it makes property taxes! So the federal authority has to do it under the guise of income tax on false incomes produced by inflation.

Note added on 15 May 2017:

Only recently, the US State of Arizona admitted that gain/loss made from gold holding is not subjected to Income Tax of that State.[11]

7. Inflation causes non-synchronized price increases.

Inflation causes uneven, non-synchronized price increases due to different flow on times for different types of goods. This allows the government to put unfair short term weighting factors on individual types of consumer goods. The weighting factors let the government artificially select them to manipulate the yearly statistics on the Cost of living to lessen its obligation to pay pensioners their entitled upkeep.

8. Inflation forces people to borrow.

Inflation forces people to borrow with any purchase plan stretching over many years. A buyer would lose to inflation on his cash accumulation/saving if he wants to remain debt free and save up the whole amount for the purchase. House purchases are typical examples where buyers are forced to borrow.

9. Inflation gives government unfair advantages in charging taxes on citizens.

When you made a huge loss and claimed a carried forward loss to offset against possible future gain in calculating income tax, the loss is NOT indexed by inflation! So a loss of $1000 by a future trader in 2010 can only offset against a gain of $1000 in 2017! (Although $1000 in 2017 is worth much less than in 2010)

10. All governments love inflation.

A government loves inflation for the following reasons:

1. Inflation is a rent on its fiat money.

2. It can define False incomes and tax its citizens on the false incomes.

3. It can muddle statistics on Cost of living and the government can fool the world with its manipulated figures on the growths in GDP, GNI.

4. It allows government to gain unfair advantages over its tax payers when calculating their taxable incomes.

So the claims that Inflation is preferred to deflation by governments should be read with skepticism. Unfortunately, the statement has been told often enough and for long enough so that a number of tax payers have started to believe in it without questioning. (A lie told once remains a lie but a lie told a thousand times becomes the truth, by J. Goebbels [9].)


[1]. Your fiat money (Part 2), posted January 12, 2017.

[2]. Your fiat money, posted January 9, 2017.

[3]. Why does the Federal Reserve aim for 2 percent inflation over time?, Board of Governors of the Federal Reserve System,, updated January 26, 2015, accessed 03 Mar 2017.

 [4]. Neha Sharma and Shalu Yadav, The Indian village that has returned to bartering, BBC News Services,, 5 December 2016.

[5]. Patrick Bodenham, Will Spain’s coal belt survive through online barter?, BBC News Services,, 2 February 2017.

[6]. James Melik, Haggling and bartering gain appeal, BBC News Services,, 12 February 2009.

[7]. Mark Lowen, Greece bartering system popular in Volos, BBC News Services,, 12 April 2012.

[8]. Dallas police fire pension board ends run, bank stops 154m withdrawals.

[9]. Joseph Goebbels quotes,,

[10]., (added on 10 May 2017).



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Air-grown mung bean sprouts for food.

by tonytran2015 (Melbourne, Australia).

#mung bean #sprout #food #no cooking #growing #in air #air grown #no substrate #nuclear shelter #nuclear disaster #stored food

The benefit of growing sprouts in ONLY AIR is that there is no substrate to be contaminated after all sprouts have been collected and there is no substrate waste with horrible rotting smell. It also allows the consumption of mung beans as food without cooking. It requires only drinkable water but uses no fuel.

Growing sprouts in ONLY AIR is also suitable for preparing bean sprouts when sheltering in bunkers after nuclear disaster (to avoid consuming hot released, fast decaying radioactive alkaline Cesium and alkaline earth Strontium nuclei).

1. Growing beans into sprouts.

When beans grow into sprouts, they convert the highly compact stored energy and materials into small plants to continue the propagation of their genes.

The beans need a triggering signal before it enter into this process. In nature, a wrong starting time may mean extinction for the beans. The triggering happens in nature with beans falling into flood water or very wet soggy ground at the end of a rainy the season. After that the sprouts need drier soil to breath and grow. The sprouts will try to grab a substrate with their hairy roots and will grow vertically.

It is easier for human to consume sprouts than to consume the highly compact mung beans. This is the reason for growing sprouts from beans for consumption.

An additional benefit of eating sprouts from stored beans is the sprouts have plenty of Calcium and Potassium, which can supply the requirements of our bodies if we have to wait in nuclear shelters for the short term radioactive Cesium and Strontium nuclei to decay in the outside environment after a nuclear disaster. Mung beans are thus useful grains for short term food after nuclear disasters.

(According to Wikipedia, 100g of beans contain

Calcium 132 mg

Iron 6.74 mg

Magnesium 189 mg

Manganese 1.035 mg

Phosphorus 367 mg

Potassium 1246 mg

Zinc 2.68 mg).

2. Materials.

1a. Mung beans (uncooked and in good condition).


Figure: Good mung beans for making sprouts.

Remember that mung beans will increase in volume and in weight when they become sprouts and only a very small initial volume of beans will grow into a cupful of sprouts.

1b. Two identical clear plastic drink cups with their corresponding hemispherical dome lids.

Figure: A clear plastic cup with hemispherical dome lid for growing sprouts.

3. Making the container for growing mung beans.

Make about 10 perforation holes on the bottom of one cup, enlarge them so that a fully filled cup of water can drip out of these holes in less than 10 seconds.

The second cup is to be fitted onto the outside of the first cup to control the flow of water through the perforations. To stop water from leaving the inner cup the second cup is slipped tightly on its outside. To drain water from the inside cup, the outside cup gradually loosened to let water drip into it from the inner cup, the outside cup is then emptied.

4. Soaking mung beans.

To make sprouts from mung beans, the beans must be first soaked in water until germination. The steps are in the following:

Place 3 layers of beans on the bottom of the inner cup.

Fill water until water surface is 1cm higher than the top layer of beans.

Fit the hemispherical lid on the cup (optional, to prevent spilling if the cup is knocked from its position).

The cup is left standing like that for about 12 hours to soak the beans until they germinate with a 2mm sprout on most of the beans.

Timing is NOW STARTED.

5. Growing sprouts from germinating beans.

Fill the inner cup with water to full capacity. The beans and sprout should be able to move freely in this water.

Loosen the outer cup to gradually and completely drain water from the inner cup.

Empty the outside cup and slip it back onto the inner cup.

Tumble (and also roll) the covered double layered cup to spread germinating beans on the side of the cup,

Lay the cup on a horizontal surface, with the rim resting about 10mm higher than the bottom.

Let the cup rest like that for 12 hour then repeat all the above steps of this section.

Sprouts can be seen growing bigger in each 12 hour period.

6. Results

Figure: A horizontal cup is almost full of sprouts after 30 hours (Top view of horizontal cup.). The cup is double layered, it is made up from a perforated one and another non-perforated one fitting tightly outside it.

Figure: Air-grown bean sprouts are ready for consumption after 30 hours. The double layered cup is standing upright without its lid.

After 30 hours, the horizontal cup is about 3/4-full with sprouts. It should be hold upright and filled with water for well grown sprouts to float to the top for the first harvesting. (Grown sprouts have lower specific gravity than beans and newly grown sprouts).

The cup containing unharvested beans and sprouts is then put through all steps of section 5 twice for another 24 hours. After that the horizontal cup is about 3/4-full with sprouts. It should be hold upright and filled with water for well grown sprouts to float to the top for the second harvesting.

The cup containing unharvested beans and sprouts is then put through all steps of section 5 twice for another 24 hours. After that the horizontal cup is about 3/4-full with sprouts. It should be hold upright and filled with water for well grown sprouts to float to the top for the third and also final harvesting.

All beans will grow into sprouts if the container have been effectively drained and tumbled (not rolled). Without tumbling, some beans may stick to the side of the cup and may remain under water for too long and may rot, creating horrible smell. Rolling is not effective in preventing rot of beans.


[1]. tonytran2015,  Mung Beans as grains for self-reliance, survivaltricks,, February 9, 2017.

[2]. Mung bean, wikipedia,, accessed Mar 06, 2017.

Related HOW TO blogs:

Rice as emergency food., posted December 24, 2016


Mung Beans as grains for self-reliance.



Navigating with an AM MW radio receiver, posted January 17, 2017The Scorpius constellation, posted January 8, 2017, The Orion constellation., posted December 26, 2016, Rice as emergency food.Using GPS in off-grid situationsSlide Sky-Disks with grid masks showing azimuths and altitudesSlide Sky-Map for displaying tropical stars.

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Air-grown mung bean sprouts for food (problem w indexing).

by tonytran2015 (Melbourne, Australia).

This blog has a problem with indexing. Please see the updated blog in the following link



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QE may be just another scam to steal national wealth.

by tonytran2015 (Melbourne, Australia)

#treasury bonds #QE #quantitative #easing #scam #stealth

Figure: Fiat money relies on the payments to government employees with it and the power to collect it back as taxes on the population.

It has been a US policy of borrowing from bankers through Treasury bonds (the method is given in section 1). USA have thus been designed to be in a perpetual state of indebtedness to bond holder bankers. Quantitative Easing is an even more outrageous extension of that monopoly. This posting shows why.

1. Borrowing from the population.

(as previously posted in ref. [2], sect. 7)

We note that the US government regularly issues and has been using its own Fiat money. When the government wants to borrow X units of its fiat money from its citizens, it may have to conduct an “auction”.

It may offer to all of its people to give the government any each of their spare $90 now to receive $100 in 1 year time.

Too many of its citizens may accept the offer and the total amount of their money may far exceed the requirement of the government. If that is the case, it may next say No, not $90 anymore, but $91. The amount may goes up again until the acceptance has only about X units, the amount it requires.

Anti-corruption requires that the bidding process be public and transparent.

This is the idea of Treasury Bonds, or Government Debentures.

If the final auction price is $97 of current money for $100 of money in 1 year time then the Treasury Bond rate is (100-97)/97 or 3.1%.

It is a sad fact that currently Treasury bonds are only sold to a handful of bankers, the ordinary people have no access to the “auctions” of Treasury bonds. The treasury rate may thus be manipulated by some coalition of bankers to suit their agendas.

It has been US government practice to always keep the US in debt with Treasury bonds. It would be alright if the debts are to ordinary US citizen. However the debts are to only a handful of bankers. There has been no plan to ever free the US from debts to bankers.

2. US government could have and SHOULD borrow from ordinary citizens.

The establishments always defend their actions by saying that the auctions of treasury bonds involve billions of dollars and the parcels (chunks) cannot be practically made small for ordinary citizens. The argument may be valid prior to WW2 but became invalid after that time.

With the development of techniques for share sales on the Share Markets, the selling of IPO’s (Initial Public Offerings) worth of billions of dollars are common: People can buy shares in initial float of new companies worth of billions of dollars. Why cannot the Treasury organize IPO’s of Treasury Bonds ? The operating mechanism can be made exactly the same as for IPO’s of new companies. The share markets can easily handle Treasury Bond IPO’s.

The US Treasury can also offer its Bonds on the Stock Exchange just like Investment Banks offer its “Call Warrants” and (future) Options. The methods for offering can be very similar.

Ordinary Americans should stand up and demand IPO’s for Treasury bonds, to take away the monopoly by bankers on Treasury bonds.

It has been US government practice to always keep the US in debt with Treasury bonds. It would be alright if the debts are to ordinary US citizen. However the debts are to only a handful of bankers. The indebtedness to a handful of bankers may threaten the democracy of the US and the bankers have now extended that monopoly into another scheme for skimming national wealth called Quantitative Easing.

3. Quantitative Easing.

Quantitative easing is an even more outrageous extension of the monopoly of bankers on Treasury bonds.

When the government wants to have more money circulated in the economy of the population, it can buy gold from the population so that the population keeps the money and the government keeps the gold for future resale. Beside gold the government can also buy infrastructures or services from the population.

But instead of doing that the US government carried out QE (Quantitative Easing) (see reference [7], [8]). This is what the government does in a QE (continuing with the example at the end of section 1):

The government now buy back the Treasury Bond at a price of nearly $100 from bankers a bond it has previously sold for $97.

So the government has sold to the bankers some treasury bond for $97 and bought back at nearly $100. The government lost money for nothing. That why US debt has ballooned up after Quantitative Easing. See reference [6] for the new level of debt.

The injection of money should have been done by government buying gold, infrastructures (including hiring people to build anew or maintain infrastructures) or services from the population.



1. Reference [4] stated that “A central bank enacts quantitative easing by purchasing—without reference to the interest rate—a set quantity of bonds or other financial assets on financial markets from private financial institutions. .. QE does directly increase the broad money supply even without further bank lending.”

2. Since inflation has been targeted by the government to be 2% (see reference [5]), buying a 1 year bond at $100 is just buying $98 worth of good to be delivered after 1 year time. So paying $100 to buy back a 1 year bond of $100 is just giving away $2, and bankers will be happy to take that $2.

4. A second numerical example.

Let the bank bought in Jan 2006 a bond of $100 maturing on Jan 1st 2011 at a price of $90.57. This means the bond holder has an interest of 2% per annum compound interest.

On Jan 1st, 2008, the bond is worth
$90.57×1.02×1.02 = $94.23.
On the excuse of solving the Global Financial Crisis, the government bought back that bond at nearly $100. The bond holder got his $100 straightaway rather than having to wait until Jan 2011. This is called Quantiative Easing.

In any normal financial practice, the bond holder can only either get $94.43  (the current value of the bond at Jan 2008) or has to follow the contract and wait until Jan 2011 to get $100.

So it is clearly seen that the Government gave away tax money (which is $100 – $94.43 = $5.57) to the bond holding bank. In this example only dollars were used while in real life billions of dollars were used.

So Quantitative Easing gives away money to Bond Holders for nothing.

5. Conclusions.

Having PRIVATE Federal Reserve Banks, limiting sales of Treasury bonds to ONLY bankers, practicing obfuscated Quantitative Easing all look like plans to defraud Americans of their wealth and permanently enslave them with ever increasing debts to bankers.



[1]. Your fiat money (Part 2), posted January 12, 2017.

[2]. Your fiat money, posted January 9, 2017.

[3]. Quantitative Easing, Investopedia,, accessed 1st Mar 2017.

[4]. Quantitative easing, Wikipedia,, updated on 02 March 2017, accessed 03 Mar 2017.

[5]. Why does the Federal Reserve aim for 2 percent inflation over time?, Board of Governors of the Federal Reserve System,, updated January 26, 2015, accessed 03 Mar 2017.

[6]. kchild2013, US national debt soars by $100 billion. . . in just 8 hours, sentinelblog,, January 5, 2017

[7]. sdbast, Ripped-off Britons: Osborne finally admits BofE’s QE payouts gifted min £600bn to the wealthy, worth half the national debt:,,, Dec 18, 2016.

[8]. peoples trust toronto, Bank Of Japan Said To Start Preparing For Losses On Its “Huge” Debt Holdings Once QE Ends,, 2016 May 20.



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