Do not click on any unknown link external to your trusted sites

by tonytran2015 (Melbourne, Australia).
#cyber attack, #net security, #computer security, #malware, #worm,

Do not click on any unknown link external to your trusted sites

That is the obvious conclusion after reading the blog by johnip:

“In Hong Kong, Gazeley said his team had found a new version of the worm that didn’t use e-mail to lure victims.
Instead, it loaded scripts onto hacked websites where users who clicked on a malicious link would be infected directly. He said it was too early to tell how many websites had been affected.”
See the original blog: some-businesses-in-asia-disrupted-by-cyber-attack-on-monday-authorities-brace-for-more

Explore new unknown sites only when you know how to deal with worms and hijacking of your computer.

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The Parasites of Western Economy, Part 2: Shifty Lenders.

by tonytran2015 (Melbourne, Australia)

#shifty lender, #parasite, #shark lender, #captive borrower, #inexperienced borrower, #private equity, 

The Parasites of Western Economy, Part 2: Shifty Lenders


Because of the requirements in life we do have take loans during some phases of our lives: A worker has to buy a car to go working far from home and later he has to buy his house using long term loans. We certainly have to borrow to buy houses if we neither use gold to store our saving  nor want to lose much of the saving in hand to the vicious inflation ([2]).

1. The shark lenders in car finance preying on new borrowers.

The lendings by banks to the starting up car buyers have to be appreciated. 


However, there are often more numerous greedy “shark lenders”, who are usually located next door to the car show rooms, and are associated with the car dealers to prey on the hot headed emotion of unseasoned young buyers to mislead them into disadvantageous loan contracts. Those contracts places very high interests on the young buyers and rob them of their savings or may even bankrupt them (see also [3,4]). 

2. The manipulators of captive borrowers on long term loans.

They are the  loan makers who initiated loans only to have their conditions changed during the life of the loans. Even housing loans may become financial traps to unwary borrowers.


There are many types of traps (see also [5,6].:


2a. Shifty lenders have a condition that any borrower who wants an earlier end to the loan has to pay an outrageous exit fee (about nearly one year of interest) which is many times the actual cost to the lenders for organizing the early termination of that loan. This stops their borrowers from switching to obviously cheaper loans.

Fortunately for Australians, exit fees have been banned in Australia for contract signed after 01 July 2011. I am not aware of any similar laws protecting Americans.


2b. Shifty lenders may impose a condition that lender can recall the loan at any time before the expiration of the loan contract. This is an outrageous condition and is used by shark lenders to send unwary borrowers into higher interest loans.


2d. In a typical loan contract offered by a shark lender, the initial interest rate is very low, but if there is any single late payment (which may even be caused by the failure of the computer of the lender!), the low interest rate will forever disappear and a high interest rate replaces it for the remaining life of the loan.


2e. If there is any second late payment, the shark lender will take possession of the mortgaged house and sell it at a low price to their associates.


2f. Shifty lenders may also impose conditions in the loan contract that the initial lender may resell the loan to a new lender who can set new loan conditions.

This trap can lead to unreasonable high interest rates to unwary borrowers.

3. The lenders who discloses only the advantages but not the disavantages of the loans.

The lender may offer his client low interest loans from Switzland [7] but failed to say that the declining exchange rate of US dollars versus Swiss franc may require more than the low interest to repay the loan (see [8]).

Many business owners have lost their businesses due to those lenders.

4. The lenders who want exclusive rights to all banking of the borrowers.

The lenders who want exclusive banking rights are really ready to take over the business of the borrowing companies. The lenders are usually owned by some private equities. Any such lender actually wants to take over some target company without paying the price of a normal take over! Such a lender will do it by causing financial distress in a target company and to trigger its default. A typical example is reported by BBC (ref. [9]):

Judge Martin Beddoe said Scourfield “sold his soul” to Mills in exchange for “sex”, “bling” and “for swag”.….

Scourfield, 54, a former HBOS manager, told customers to use a turnaround firm called Quayside Corporate Services… Mills, 60, who ran Quayside…, bribed Scourfield … “…What Scourfield gave Mills in addition to fees was the opportunity to take control of the various businesses and, in some cases, to acquire ownership of them,” prosecutor Brian O’Neill QC told the court. “

Any such targeted or collapsed company will be acquired for cheap price and restructured by some private equity associated with the lender and on sold to new buyers at huge profit as a healthy restructured company (see [10,11]). 

See also ([14],[15]), added after Mar 2017.



The shifty lender provides all finance and  banking services at very low costs to the  “healthy restructured”  company. But as soon as the sale has been completed. those services will be withdrawn, leaving the company to seek the services at much higher costs from other provider companies in the market.


The  “healthy restructured”  company is bound to collapse. The following comment ([12]) from the original founder of a company illustrates the problem:

“It was bought by a type of merchant bank who paid a hundred million [dollars] for it and 18 months later floated it for $500 million,” Dick Smith said.

“Now you don’t have to be very bright to know that’s absolute greed, it’s impossible and unfortunately that’s caused this terrible problem at the moment.”


Even multimillion dollars pension funds have been tricked into buying those “healthy restructured” companies loaded with heavy debts. 


5. Outright loan scam makers.

Carried out by faked lenders. They asked people to pay huge application fees for a cheap loans but they only took the fees and disappeared (see [13]).

6. Conclusions

All lenders are not the same and all loans are not the same. Borrowers need to be financial competent as the traps become more and more elaborate. Even multimillion dollars have been trapped.


References:

[1]. The Parasites of Western Economy, Part 1: Motorvehicle Insurance Scams., posted April 17, 2017.

[2]. gold-for-storing-wealth, posted April 28, 2017.

http://www.bankrate.com/financing/cars/warning-on-unfair-car-loans/

[3]. warning-on-unfair-car-loans, date

[4]. www.moneysmart.gov.au: car-loans, date

[5]. www.moneysmart.gov.au: home-loans fees, date

[6]. prepaymentpenalty, access date 05MAY2017

[7]. countries with the lowest interest rates for loans mortgages,  http://www.womensarticle.com/20-countries-with-the-lowest-interest-rates-for-loans-mortgages/?utm_source=taboolainterestwo&utm_medium=referral&utm_term=allnewspipeline

[8]. Luigi Zingales, Guy Rolnik, Amit Seru, Putting the Client Last: former-investment-banker-explains-clients-sucker-punched, posted

[9]. Ex-HBOS banker ‘sold his soul for swag’, bbc new, http://www.bbc.com/news/business-38842723, 2 February 2017.

[10]. the-private-equity-giants-the-greek-target-and-a-trojan-horseOctober 28, 2015

[11]. report-says-big-buyouts-are-likelier-to-default, date 05Nov2009

[12]. dick smith blames-private-equity-owners-greed-for-collapse, http://mobile.abc.net.au/news/2016-01-06/dick-smith-blames-private-equity-owners-greed-for-collapse/7069604

[13]. www.moneysmart.gov.au: loan-scams, date

[14]. dick-smith-class-action-ready-to-launch, au.wordpress.com/business/breaking-news/dick-smith-class-action-ready-to-launch/news

[15]. brick and mortar retail meltdown fueled by asset stripping details emerge in bankruptcy courts by wolf-richter,

https://straightlinelogic.com/2017/07/31/brick-and-mortar-retail-meltdown-fueled-by-asset-stripping-details-emerge-in-bankruptcy-courts-by-wolf-richter/, http://wolfstreet.com/2017/07/31/asset-stripping-pe-firms-fuels-brick-mortar-retail-meltdown/


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Gold for storing wealth.

by tonytran2015 (Melbourne, Australia)

#gold. #gold price, #gold investment, #gold sale B.O.E.,  #tribal memory,

Gold for storing wealth.

Human productivity varies wildly and each person needs some method to store the surplus from his periods of high productivity for use during periods of low productivity. Gold can be used for storing that surplus or wealth over long periods.

Gold is also a highly sought after commodity with stable price, and its owner can be sure that his surplus/wealth will not disappear overnight.

However gold is not a good investment as any interest earned by lending gold bars is really small (no more than 1%). Only jewellers borrow gold bars. They want to avoid resupplying their stock at New Years and wedding seasons.

1. Gold is in constant demand.

1a. Jewellery industry and hand-craft jewellers needs it. This is due to its lustre, malleability and corrosion resistance properties.

1b. Micro electronic industry needs it to make electrically high conductance terminals and connections.

1c. Micro engineering industry needs it to prevent rust and corrosion of their mechanical components.

1d. Electronic, optical, aviation and building industries need it to make transparent metallic films.

1e. Dentistry also needs it for dental works.

1f. Surgical medicine needs it for non-allergic implants.

2. Gold is a suitable bartering medium.

2a. Gold is in constant demand.

2b. If unsold, its owner can gradually turn it into home made jewelleries and sell to his neighbours.

2c. The cost of extracting gold from the ground is remarkably unchanged over thousands of years. Advances in technology is exactly offset by scarcity. Now people have to go 3km deep below the ground to mine gold in South Africa and in Canada ([4]). Soon they may go 4km deep below ground surface to mine gold.

2d. It is corrosion resistant and does not degrade with time.

2e. Any small, light amount of gold still has a high value.

2f. Any common amount of gold can be easily subdivided.

2g. The gold content of any unprocessed gold can be economically essayed and extracted using only HNO3, HCl and Cu. The extraction process is based on a simple metal displacement reaction of Au ions in aqua regia and is a common excercise for gold jewelers.
So gold satisfies all the requirements for being a bartering medium.

3. Gold price is not over-inflated.

The long term average of gold price reflects its utility value.
The price is not over-inflated due to massive amount in storage by various Government Central Banks in the World. They would grab any opportunity to sell their overpriced stocks. The Bank of England (wrongly?) set its selling price at US$268/troy oz in its massive unloading of 200tons of gold in the period of  1999-2002.

If gold price was held up by the vicious cycle of greed-herd mentality, the cycle would have been broken up by the prolonged heavy attack by the sale from Bank of England.

Despite such tremendous attack on its price by Bank of England, gold price did not collapse like the price of tulips or real estates when their bubbles bursted.

Right after the end of its massive sale, gold price rose up to  US$600/troy oz, then to the current price of  US$1000+/troy oz. The sustainable price is explained by the difficulty in extracting gold from the ground [4](see also [7]; I had invested in gold miners during the low price period of 1990-2000 and had experienced at first hand the details claimed by its author).

So, contrary to claims (propaganda?) by some authors, the average price of gold is neither pushed up by any remnant of prehistoric tribal memory nor pushed up by greed, fear and herd mentality  (A lie told once remains a lie but a lie told a thousand times becomes the truth [6].).

4. Using and buying gold.

Vietnamese Gold Slab

Figure: Vietnamese gold slabs for trading. This standardized slab has 37.5g of 99.99% pure gold and has been issued in individual, clear, sealed plastic bubble. Its SJC trade mark is vigorously defended by the Vietnamese government. The last 4 digits of the serial number DB 1XXXX on this slab have been blurred to protect the privacy of the owner of the slab.
4a. When gold possession is legal, people can use any suitable amount they like. They still have to stick to unprocessed gold from reputable producers.
The Vietnamese government owns the Vietnamese company SJC which issues and trade gold slabs with weghts of 0.05, 0.1, 0.2, 0.5, 1 Vietnamese ounces. The trade mark SJC is vigourously defended by Vietnamese government. The photos of one such Vietnamese 1 once (37.5g) slab are shown here in this section. SJC company sells people these gold slabs and also buy back from them.

4b. When possession of unprocessed gold is prohibited, people still can use gold rings made by reputable jewellers in weights of 0.1, 0.2, 0.3 troy ounces as their medium of exchange.

5. The costs of owning gold.

(This section has been added on 10 Aug 2017)

This varies a lot from country to country and even gold seller to gold seller. It can be anywhere between 0.6% and 2.5% for a complete cycle of buying and immediate reselling.

For example, on the date of 10 Aug 2017, the prices and sell-buy margins are:

0.55% in Vietnam,  Saigon (SJC gold TP HCM 36,350,000 36,150,000)

2.5% in Australia, Melbourne, (1oz ABC Bullion Pool Allocated $1,638.30  $1,598.81)

In Vietnam, the cost for buying and then immediately reselling gold slabs (such as the one pictured in this blog) is about 0.55%. This compares well with the foreign exchange cost of 0.2% for buying USD then immediately reselling it.
On the other hand, the Vietnamese VND inflation rate has been designed to be 7% (= 4% against USD + 3% by USD),. Only after 1 monrhs the person who bought gold has already been ahead.

6. Storing wealth using gold.

Example: You want to buy a $80000 house and each year you can only save up $20000.

If you save your fiat money, then after 4 years you will have $80000. If yearly inflation is 6% the price of that house will be then

$8000×(1+6%)×(1+6%)×(1+6%)×(1+6%) = $100998 .

So you are $20998 short of your target!

If you bought gold for the first 3 and 1/2 years then after 4 years you will have in hand

$79186(gold to sell)+$10000(cash) = $89186 .

In this case you are only $9186 short of your target!

So gold is much better than cash (fiat money) for storing wealth. You are still short of target since the actual value of your new cash saving reduces every year.

7. Conclusions.

Gold is much better than cash even in any medium term (abour 3 years duration) financial plan.

You can also see why many governments want to outlaw the possession of unprocessed gold: Their fiat currencies are inferior to gold.

Please note that this author is neither associated with gold industry nor having any interest/betting on gold price movement.

Disclosure of interests:

The author has no interest in any gold price betting, has neither relation with SJC of Vietnam, nor with any organization working on gold.

                  References:

[1]. ,

[2]. Cashless bartering for survival, posted on February 20, 2017,

[3]. tonytran2015, , https://survivaltricks.wordpress.com/2016/12/05/preparing-for-%e2%80%8bcashless-trading, posted on December 5, 2016

[4]. top ten deepest mines world South Africa,  http://www.mining-technology.com/features/feature-top-ten-deepest-mines-world-south-africa/

[5]. Sale of UK gold reserves, 1999–2002, wikipedia, https://en.m.wikipedia.org/wiki/Sale_of_UK_gold_reserves,_1999%E2%80%932002

[6]. Joseph Goebbels quotes, azquotes.com, http://www.azquotes.com/author/5626-Joseph_Goebbels.

[7]. https://peoplestrusttoronto.wordpress.com/2017/05/12/the-traitors-abetting-the-deep-states-dirty-dying-war-on-gold/, accessed and added to the list on 13May2017.

 Augmented after 2017 June 11:

[8]. https://us-issues.com/2017/06/11/how-gold-can-rescue-pensions/

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NAVIGATION (Celestial).

The Sun, the Moon and identifiable stars are used to work out North direction and time in this section.

divider43.jpg

Finding accurate directions by a watch .. Posted on May 12, 2015.. This is my novel technique. WatchCompass_22NL, Finding accurate directions using a watch, posted on May 19, 2015 . This is my novel technique to replace the horizontal watch method. DirectionBySun_12N, Caution in finding North by bisector line of a horizontal watch. Posted on October 28, 2015: The commonly known “Scout method” using a horizontal watch may give directional errors of up to 180 degrees in some circumstances. wpid-bisectorns2c.jpg, Finding directions and time using the Sun and a divider., posted on May 6, 2015. <<<—This is my MOST USEFUL novel technique. wpid-dividermwp3e2c2.jpgwpid-divider42cl2b.jpgwpid155-wpid-divider63cl.jpg. Using polarized light to locate the Sun when it is hidden from view. Posted on May 9, 2015. This is a useful technique. CloudyL, Finding North direction and time using the hidden Sun via the Moon . Posted on July 6, 2015This is a useful technique. moonshapesnangles4c.jpg, Finding North direction and time accurately from the horn line of the Moon. Posted on August 12, 2015. This is my novel technique. wpid-wp-1439376905855.jpeg, Finding North direction and time using the Moon surface features. Posted on July 1, 2015. This is a useful technique. wpid-wp-1435755781395.jpeg, Finding North and time by stars. Posted on August 28, 2015 PolrNorthNC20const8polrsouthq3c60.jpg

Finding North and time with unclear sky. Posted on October 17, 2015. This includes my novel method for finding North and with unclear sky. wpid-bstarsn20b.jpg wpid-bstarss20.jpg, posted on October 21, 2016 antare4smallc30.jpgfomalhautsmallc30.jpgariessmallc30.jpg, . Posted on May 25, 2016 mercator8gc30.jpg, , posted November 3, 2016 slide-sky-disk, Slide Sky-Map for displaying tropical stars, posted on October 7, 2016 photo, , posted July 22, 2016 NorthByKnownStar, Finding time to Sunset with bare hands. Posted on November 11, 2015 .This is my novel improvement for improved accuracy. wpid-sunset2.jpg. Finding time to Sunrise with star maps, Posted on January 9, 2016 . This is a novel application for star-maps. sunrise, Finding direction, distance and navigating to a distant base by stars (Part 1). Posted on January 27, 2016 . This is a novel application for direction of stars in the sky. PolrNorthNC20const8polrsouthq3c60.jpg, Finding direction, distance and navigating to a distant base by stars, fine reading of latitude (Part 2).. Posted on February 6, 2016. This is a novel way of accurately arriving at any chosen destination latitude using no instrument. BStarsN20Vega8C2.jpg

NAVIGATION using only constellations.

The Orion constellation., posted December 26, 2016 orionsamsungn2photo-640alignedc30b.jpg, The Scorpius constellation, posted on January 8, 2017 scorpiussaggigridaltc30.jpg20160418_013006enhenc2c30.jpg

NAVIGATION (Terrestrial).

Measuring angles and distances for outdoor survival, posted on June 29, 2016 DistPole

NAVIGATION (Instrumental).

Determining local magnetic declination by a magnetic compass, posted on March 31, 2016 Compass-Magnetic, , posted on June 14, 2016 compassflipMEDIUM

Selecting and using magnetic compasses, posted on July 9, 2016 JapLensatic, Using GPS in off-grid situations., posted December 6, 2016 , Navigating with an AM MW radio receiver, posted January 17, 2017 radiosony

FIRE MAKING.

Making fire and lighting cigarettes with sunlight. Posted on February 27, 2016 StormWatchDiagram, Quick fire making using sunlight, posted on January 4, 2017 20161222_131508gballfirec60.jpg, Mirror for making fire using sunlight., posted on April 13, 2016 20160105_143215C

FOOD

Rice as emergency food., posted December 24, 2016 20161230_192839ricegrains2c60.jpg

MISCELLANEOUS

Old maps:

Interesting maps of old Saigon , posted on March 20, 2016 . SaigonThanhQuy

Detecting Counterfeit Currency

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A guide to some hard to obtain know hows

Simple determination of East Asia lunisolar New Year

MoonShapesNAngles5C

Rice as emergency food., posted December 24, 2016

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Mung Beans as grains for self-reliance.

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,  

,

,


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Looking after your money.

MONEY

DETECTING COUNTERFEIT CURRENCY

Detecting Counterfeit Currency, US dollars, posted on July 15, 2016

Hologram

Detecting counterfeit currency, Australian dollars., posted on November 15, 2016

fineprint50dollar

Detecting counterfeit currency, 2nd series Australian dollars., posted on August 10 2017,


,

fiatmoneyc60.jpg

Negative interest rate is not new, posted December 4, 2016

polymeraust100dollars

Cashless and negative interest go hand in hand, posted December 10, 2016

crystalballc70.jpg

fiatmoneyc60.jpg

, posted on 17 April 2017 ,

, posted on 07 May 2017 ,

, posted on 10 Jun 2017 ,

moneyd20.jpg

The Parasites of Western Economy, Part 5: Company Asset Strippers and Conspirators posted on 13 August 2017 ,

moneyd20.jpg

EARNING OF BANKS

, Posted on December 15, 2016

polymeraust100dollars

, posted on November 30, 2016

polymeraust100dollars

Collapse of online banking is not a remote risk., posted on November 20, 2016

polymeraust100dollars

Gold for storing wealth, posted on 28 April 2017

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SURVIVAL WITHOUT CASH

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NAVIGATION (Celestial).

The Sun, the Moon and identifiable stars are used to work out North direction and time in this section.

divider43.jpg

Finding accurate directions by a watch .. Posted on May 12, 2015.. This is my novel technique.

WatchCompass_22NL

Finding accurate directions using a watch, posted on May 19, 2015 . This is my novel technique to replace the horizontal watch method.

DirectionBySun_12N

Caution in finding North by bisector line of a horizontal watch. Posted on October 28, 2015: The commonly known “Scout method” using a horizontal watch may give directional errors of up to 180 degrees in some circumstances.

wpid-bisectorns2c.jpg

Finding directions and time using the Sun and a divider., posted on May 6, 2015. <<<—This is my MOST USEFUL novel technique.

wpid-dividermwp3e2c2.jpgwpid-divider42cl2b.jpgwpid155-wpid-divider63cl.jpg

CloudyL

Finding North direction and time using the hidden Sun via the Moon . Posted on July 6, 2015This is a useful technique.

moonshapesnangles4c.jpg

Finding North direction and time accurately from the horn line of the Moon. Posted on August 12, 2015. This is my novel technique.

wpid-wp-1439376905855.jpeg

Finding North direction and time using the Moon surface features. Posted on July 1, 2015. This is a useful technique.

wpid-wp-1435755781395.jpeg

Finding North and time by stars. Posted on August 28, 2015
PolrNorthNC20const8polrsouthq3c60.jpg

Finding North and time with unclear sky. Posted on October 17, 2015. This includes my novel method for finding North and with unclear sky.

wpid-bstarsn20b.jpg wpid-bstarss20.jpg

posted on October 21, 2016

. Posted on May 25, 2016

mercator8gc30.jpg

Arctic Polar zone view of Equatorial Stars

, posted November 3, 2016

Slide Sky-Map for displaying tropical stars, posted on October 7, 2016photo

, posted July 22, 2016

NorthByKnownStar

Finding time to Sunset with bare hands. Posted on November 11, 2015 .This is my novel improvement for improved accuracy.

wpid-sunset2.jpg

Finding time to Sunrise with star maps, Posted on January 9, 2016 . This is a novel application for star-maps.

sunrise

Finding direction, distance and navigating to a distant base by stars (Part 1). Posted on January 27, 2016 . This is a novel application for direction of stars in the sky.

PolrNorthNC20const8polrsouthq3c60.jpg

Finding direction, distance and navigating to a distant base by stars, fine reading of latitude (Part 2).. Posted on February 6, 2016. This is a novel way of accurately arriving at any chosen destination latitude using no instrument.

BStarsN20Vega8C2.jpg

NAVIGATION using only constellations.

The Orion constellation., posted December 26, 2016

orionsamsungn2photo-640alignedc30b.jpg

The Scorpius constellation, posted on January 8, 2017

scorpiussaggigridaltc30.jpg20160418_013006enhenc2c30.jpg

NAVIGATION (Terrestrial).

Measuring angles and distances for outdoor survival, posted on June 29, 2016

DistPole

NAVIGATION (Instrumental).

Determining local magnetic declination by a magnetic compass, posted on March 31, 2016

Compass-Magnetic

, posted on June 14, 2016

compassflipMEDIUM

Selecting and using magnetic compasses, posted on July 9, 2016

JapLensatic

Shadow stick navigation and graph of solar paths, posted August 19, 2016

Navigating with an AM MW radio receiver, posted January 17, 2017

radiosony

Finding North direction and time using geological features, plants and animals, posted August 04, 2017

FIRE MAKING.

Making fire and lighting cigarettes with sunlight. Posted on February 27, 2016

StormWatchDiagram

Quick fire making using sunlight, posted on January 4, 2017

20161222_131508gballfirec60.jpg

Mirror for making fire using sunlight., posted on April 13, 2016

20160105_143215C

FOOD

Rice as emergency food., posted December 24, 2016

20161230_192839ricegrains2c60.jpg

MISCELLANEOUS

Old maps:

Interesting maps of old Saigon , posted on March 20, 2016 .

SaigonThanhQuy

Detecting Counterfeit Currency

Detecting Counterfeit Currency, US dollars, posted on July 15, 2016

Hologram

, posted on November 15, 2016

Detecting counterfeit currency, 2nd series Australian dollars., posted on August 10 2017,

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The Parasites of Western Economy, Part 1: Motorvehicle Insurance Scammers.

by tonytran2015 (Melbourne, Australia)

#parasite, #motor vehicle, #transportation, #insurance, #scam, #rip off

The Parasites of Western Economy, Part 1: Motorvehicle Insurance Scammers.

If you have ever been to Vietnam, you will see more than 40 million motorbikes on the roads. They go on their daily routines, occasionally causing minor accidents and damage but people don’t threaten their road sharers with law suits. Owning a motorbike there is thus mostly an advantage and very rarely a liability (it is so only when the owner is outrageously stupid). How can they do that and why cannot Westerners do it?

They can do it because they have not been brainwashed and enslaved by Vehicle Insurance Parasites.


1. The Vietnamese way of handling non-fatal traffic accidents.


1a. If you lose a small paint scratch then consider it part of wear and tear of a quickly depreciating asset. You have to be tolerant to the other party who may be inexperienced just like you years ago, when you were young, or may be just like your kids.


1b. If you lose a turn indicator lamp then consider who has more damage and remain tolerant: 

If the other party suffers no damage and is clearly at fault then ask him to pay a realistic repair cost to you right on the spot. 

On the other hand, if he suffers much more damage than you do then consider that you have been lucky not to get hurt and he has already been taught a good traffic lesson.


1c. If your motorbike is badly damage:

 You may ask the other party to pay for the actual repair costs and usually he will agree to it or beg you to let him pay by installments or only part of it. 

You should think that accident avoidance is the responsibility of both him and YOU. Be tolerant and consider who suffers more damage.


2. The Enslaved Litigious English way of handling non-fatal traffic accidents.


2a. If you lose a small paint scratch then force the other party to follow a costly legal course of arguments to assign faults and threaten the other party with a law suit to take away his house. On the other hand, if you are at fault, you still employ a lawyer to reply to the other party that you won’t pay even a single cent for his fair repairs cost.


2b. If you lose a turn indicator lamp then take your vehicle to a shop that will try to assign hundreds of small previous wear and tear to the accident and ask the other party to pay for all that. You will hope to have a partially brand new vehicle after those repairs.

The reality would turn out that the shop WILL POCKET most of the costs and you will ONLY have the main damage shoddily repaired: You have been used by the repairer to scam money on the poor other party! Do you want to sue the repairer (your former partner in crime!) now?


2c. If your motorbike is badly damaged:

 You may ask the other party to pay for the (often pretended) psychological damage for fear of traffic, plus inflated repair costs.


3. Where does the money go in the Enslaved Litigious English World?


3a. You pay the lawyers to threaten one another unnecessarily. All of you are forced to join insurance schemes and pay their excessive costs to avoid being threatened.


3b. You pay the lawyers to play expensive legal games. You also pay excessive repair costs to non-existent repairs.


3c. You pay the lawyers to play legal games to rip off other insurance contributors on pretended psychological injuries. You also pay excessive repair costs to non-existent repairs.

(See references [1,2]).

4. Parasites ripping-off your transportation system.


You now know why transportation costs are so expensive in English speaking White countries. There are parasites feeding on your transportation costs, you are enslaved into paying annual insurance premiums that is about 5 times the cost of the actual repairs if paid out directly by owners instead.


There used to be Mutual typed Insurance Companies (AMP, Colonial Mutual, NRMA) which are not for profit organizations (such as NRMA motor vehicle Insurance for member). The financiers had successfully used immoral ways to rip off the Mutual funds to give money contributed by many previous generations of members to directors and fund members at that only time. The rip off was called “Demutualization” (around 1995 in Australia). Those mutual insurers were then wound up to leave the market to only for profit insurers. Without competition from those non-profit organizations, insurance premiums have shot up.


You should demand a law reform to reduce the legal rip-offs by transport insurance schemes.


I am no fan of the political system in Vietnam but I admire the way the population there cooperates in their daily commutation. At least, each Westerner should experience the rip-off free transportation system in Vietnam (before it become infected by the Insurance associated parasites) to know how much you have been ripped-off by the parasites..


It should be remembered that a fish won’t know that it is in water unless it can somehow, sometimes jump out of the water.

References:

[1]. wikipedia Compensation_culture, accessed 05May2017.

[2]. www.iaapa.org CompensationCulturePuttnam.pdf, accessed 05May2017.

[3]. the car insurance industry is a disgusting racket, https://www.spectator.co.uk/2015/10/the-car-insurance-industry-is-a-disgusting-racket/

[4]. https://www.theguardian.com/commentisfree/2011/jun/27/jack-straw-car-insurance-racket


[5]. http://trafficlaw.com.au/forum/viewtopic.php?t=3737


[6]. ALEKS DEVIC, Car crash racket runs rampant in Victoria, with thousands left without car, huge bills, Herald Sun, http://www.heraldsun.com.au/news/victoria/car-crash-racket-runs-rampant-in-victoria-with-thousands-left-without-car-huge-bills/news-story/f0f217204e4c959ac67fe7f1f18abf3c , May 22, 2016 9:00pm

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Understanding the Strategy of Conquering by Over-populating

by tonytran2015 (Melbourne, Australia).

#Foreign Affairs #Conquering by #Over-populating, #expansion #immigration.

Understanding the Strategy of Conquering by Over-populating.
This concept is not new in East Asia but may be unknown to White policy makers.

1. Steps of Conquering by Over-populating.

Suppose that a populous country C wants to conquer its neighbour M but has no military capability. Country C may use over-population to conquer M by carrying out the following steps:

1. Country C promotes good friendship and trade with M so that M relaxes its border control.

2. Country C then sends its most patriotic, fecund families into M as guest workers and traders. They will give birth to many children while in country M.

3. If country M has lax immigration and citizenship laws many 2nd and subsequent generations of immigrants/guest workers/traders will become Citizens of M only in name while remain Loyal oversea-born Citizens of C. ([7]).

4. These new “Citizens of M with Foreign Loyaty” now try to have many children to outnumber the native Citizens of M.

5. When the ratio of “Citizens of M with Foreign Loyaty” is significant, country M will he in no doubt influenced by C. The level of influence increases years after years as the new citizens originating from C have been selected to be most fecund and may legally receive birth incentives from country C.

6. When 51% of the votes are controled by citizens with origin from C, a referendum will be called to open or abolish the border between C and M.

7. Few referenda may fail but eventually the border will be abolished and C and M will be unified without using wars.

2. Applications.

Over-populating until extinction of local populations can be found in East Asian history books (including the references given here) but are too sensitive to be posted here. The followings are only the obvious cases.

1. The original size of the (Chinese) Zhao empire in China was of only a size of current Japan. Expansionism either by overt military occupations or by Occupation by Over-populating has produced the present China of gigantic size. People have wonder how many Chineses of (self-declared) Han origin were in that giant area 2000 years ago.

2. The hereditary citizenship rules of Qing dynasty (1644–1912) of China may have been an attempt to have their leagues of Loyal Oversea-born Citizens. The revival of any such plan must be closely scrutinized by the countries with those citizens (in name only).

3. An example of the strategy in  Europe is the present (2017) Turkish address to Muslims in the West. It may be considered the Ottoman Empire addressing its Loyal Oversea-born Citizens.

3. Prevention.

1. Immigrations from populous, poor countries into any wealthy country always carry such a risk. The host country should ensure that no group of immigrants can over-populate the native popularion.

2. Undue lobbying by some group of immigrants is the warning sign of coming loss of control by the host country.

3. A country with many immigrant new citizens should be well alerted for any programs directed at Loyal oversea-born Citizens from their countries of origins.

4. Terrible inter-ethnic fightings (such as in Rwanda some few decades ago) should be prevented by insisting on assimilation.

4. Conclusions.

It takes few hundred years for a populous country to practice this strategy until fruition. But one hundred years is only a short duration in recorded history.

Sun Tzu said that the best victories are ones won without using the armies.

References

[1]. Sima Qian, Records of History by the grand historian (translated by Burton Watson), Qin Dynasty, Han Dynasty I (Rev. Ed.) and Han Dynasty II (Rev. Ed.), the Res. Cent. for Transl. The Chinese Univ. of Hon Kong and Colubia Univ. Press, Hong Kong and New York, 1961.

[2]. Sun Tzu, The Art of War. First published in Chinese before 200BC. There are English translations.

[3]. tonytran2015, understanding-chinas-perpetual-wars-against-its-neighbours, https://survivaltricks.wordpress.com/2017/04/01/%e2%80%8bunderstanding-chinas-perpetual-wars-against-its-neighbours/

[4]. tonytran2015, understanding-the-strike-then-consolate-tactic, https://survivaltricks.wordpress.com/2017/04/03/%e2%80%8bunderstanding-the-strike-then-consolate-tactic/

[5]. anti-west-statements-turkish-president-erdogan-and-pm-davutoglu-muslim-countries-must-unite, http://www.memri.org, https://www.memri.org/reports/anti-west-statements-turkish-president-erdogan-and-pm-davutoglu-muslim-countries-must-unite

[6]. https://vikinglifeblog.wordpress.com/2017/04/30/demographic-genocide-2/

The following have been added after 09 May 2017.

[7]. chinese-ucsd-students-protest-unreasonable-dalai-lama-invite-paid-by-red china, 

http://www.capoliticalreview.com/capoliticalnewsandviews/chinese-ucsd-students-protest-unreasonable-dalai-lama-invite-paid-by-red-china/

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Understanding the concept of Allying to Distant Powers to Subjugate Immediate Neighbours.

by tonytran2015 (Melbourne, Australia).

#Foreign Affairs #Allying to Distant Powers to Subjugate Immediate Neighbours #alliance, #China, #expansion, #aggression, #war, #US, #neighbour country, #Japan, #India, #Korea, #Burma, #Mongolia.

Understanding the Concept of Allying to Distant Powers to Subjugate Immediate Neighbours.

Contrary to Westerners’ impression, China is not ruled by successive descendents of an Empire founder for thousands of years. Actually, there are many successive empires in China, each killing all eligible inheritors and most officials of the previous empire to grab its power and to prevent its resurgence. The new empire then restored and continued to use most Citadels built by the previous empire.

Except for a short period of the Zhao dynasty (who ruled by being virtuous but was therefore bullied by their own followers), whatever empire occupying the Central Citadel always practice Allying to Distant Powers to Subjugate Immediate Neighbours.

1. The central empire state and its surrounding vassal states.

The ruling Emperor always has to award his contributing followers while keeping them under control.
The empire is carved into many vassal states (each is a miniature copy of the central state but having to pay annual tributes to the Emperor) awarded hereditarily to the contributing followers of the emperor. The vassal states sometimes wage wars among themselves, their boundaries are not fix but always change due to wars/feuds between their rulers. Sometimes the Emperor has to intervene to stop wars among his vassal states.

The ancestors (in name, but not biologically) of the founder of the Qin Empire were followers of the Zhao emperors and had been awarded the vassal state of Qin, but they successfully bullied the Zhao Emperors to gradually rob their land and their throne.

2. Allying to Distant Powers to Subjugate Immediate Neighbours (within the empire).

The desire is understandable. Chinese history has shown many stories of rebellion by trusted officials to steal the Emperor’s throne and wives.

On a national level, each emperor let his most trusted generals be the rulers of distant non-prosperous vassal states. The distant governors have no chance of becoming more powerful than the Emperor, but they can be recalled to subdue any rebellious official in the Emperor’s court.

3. Allying to Distant Powers to Subjugate Immediate Neighbours (on international level).

There are times when the central state of the empire is threatened by another stronger empire/nation (for examples the Huns Nomades, the Kim empire (a predecessor of the current North Korea ruled by Kim Jong Un), the Mongolian Empire of Ghanghi Khan, the Manchurian Empire.)

In that case, the Enperor will pretend to find new markets and send trade emissaries to third (and maybe fourth and fifth) countries behind the back of the undesirably strong neighbour. Trade talks with those countries may soon become secret talks of alliance for double thronged attacks on the undesirably strong neighbour ! The spoils of wars will be divided among “allies” according to their contributions.

It is known that 2000 years ago, China has reached distant countries like Persia, various non-united nomadic countries in Siberia. The purpose was not purely for trading. It was to keep open the possibilities for alliance against immediate neighbours of the empire.

4. Applications.

Vietnam (Annam in Chinese history) was never a Chinese land and has revolted against Chinese occupations. China used to ally itself with the Southern neighbours of Vietnam (Champa some 400 years ago, and Khmer Rouge recently) for many plans for double pronged attack on Vietnam.

India is a Southern neighbour of China. The method calls for an alliance with Sri Lanka and provoking wars between the two harmonious neighbours India and Sri Lanka.

Burma has a common boundary with China. Its national cohesion is declining. The country would be a suitable candidate for application of China’s all three policies of Forever Expanding, Strike-then-Consolate, Allying to Distant Powers to Subjugate Immediate Neighbours. A suitable ally for China would be some revolting Minorities in the South (see [5]).

North Korea is a neighbour of China but historically had fought against China. Its is always on guard against China surprise overrun (Tibet typed operation). China makes pressure on it by opening trade with its Capitalist opponent South Korea. China may also ally with the US to attack and occupy North Korea at some convenient time. Territorial gains would have to be kept by China as the huge occupation army would logically be Chinese. (This whole paragraph was written before 05 April 2017 and publish before the meeting between US and Chinese leaders in 06 April 2017. Events after publication date now unfold almost exactly along these predictions.)

References

[1]. tonytran2015, understanding-chinas-perpetual-wars-against-its-neighbours, https://survivaltricks.wordpress.com/2017/04/01/%e2%80%8bunderstanding-chinas-perpetual-wars-against-its-neighbours/


[2]. tonytran2015, understanding-the-strike-then-consolate-tactic, https://survivaltricks.wordpress.com/2017/04/03/%e2%80%8bunderstanding-the-strike-then-consolate-tactic/

[3]. Sima Qian, Records of History by the grand historian (translated by Burton Watson), Qin Dynasty, Han Dynasty I (Rev. Ed.) and Han Dynasty II (Rev. Ed.), the Res. Cent. for Transl. The Chinese Univ. of Hon Kong and Colubia Univ. Press, Hong Kong and New York, 1961.

[4]. Sun Tzu, The Art of War. First published in Chinese before 200BC. There are English translations.

[5]. myanmar and china are almost at war, http://21stcenturyasianarmsrace.com/2017/01/03/myanmar-and-china-are-almost-at-war/

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