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    Letter to: John Kirk The Western Morning News. Torquay

    31 December 2006

    Affordable Housing

    Dear Mr Kirk

    Of all people who write in the Western Morning News concerning the inability of young people to buy a home, you must now be the best informed. You seem to be more aware than anyone else, that the problem has become a disaster.

    Could I persuade you to help me to resolve this difficulty. You have such an excellent opportunity to introduced wisdom into the debate. Wisdom which should be public knowledge and certainly your own knowledge.

    We put the emphasis on the home, house or flat being too expensive, whereas the real truth lies in the value of money dropping through the floor.

    It is not the price of the house going through the roof, but the value of money falling.

    If we could switch attention to what has gone wrong with money instead of what is wrong with housing, rapid progress could be made. It is so much quicker to rebuild the value of money than to build new towns. Obvious, if you think about it and very much less destructive than desecrating the countryside.

    The value of money is constantly reduced by the dilution of our currency with credit. Bankers now have a monopoly on the creation of new money to service economic growth and do so by issuing new money as credit. That is a criminally stupid way to finance progress, because it nullifies progress by degradation. It is surprising if you think about it that this hideous scam goes unremarked upon in the Press and the media. But any one of the 45,000 people seduced into bankruptcy or an IVA would rejoice and rejoice again if they could be told the truth concerning their plight.

    Billions of pounds are spent on advertising the virtue of using credit to help boost the economy by getting us to increase consumer spending. We need to realise the enormous profits to be made out of issuing new money as credit. Seducing people into debt is an exceedingly profitable business.

    Banking makes most of its money by issuing new money as credit. The whole of the public sector borrowing requirement has been spent on paying interest to the banks for the use of credit. That has been £33 billion per annum and is increasing.

    Bankers can only get away with this scam by keeping the Press muzzled and the whole business secret.

    But events are gradually beginning to force it into view for us. For example giving a chap £50 billion Christmas bonus to keep quiet. Even Presidents of the USA have been assassinated for attempting to act in this matter. So you need to approach the problem in soft slippers. Let those who try to stop you take the heat.


    Doctor Edward C Hamlyn MBChB