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  1. COMPLETE B OF JOY LECTURE 2016
  2.  
  3. https://www.youtube.com/watch?v=457akZFYnHo
  4.  
  5. *****
  6.  
  7. FREE AND JOYFUL OUT OF THE CRISIS
  8.  
  9. WITH A NEW BANK AND CURRENCY
  10.  
  11.  
  12. *****
  13.  
  14.  
  15. - The only real crisis that we have - actually have - is the crisis in our consciousness.
  16.  
  17. - It's not in vain that we have a civil slave, uh service number.
  18.  
  19. - We live in a financial dictatorship.
  20.  
  21. - 99% of everything is in the possession of a small group.
  22.  
  23. - This is the Global Casino, because almost all the misery here on earth is created as a business model.
  24.  
  25. - That is the realm of psychopaths, who is going to make a change?
  26.  
  27. - I believe the solution lies within ourselves.
  28.  
  29. - After this lecture you have a fair chance that you cannot see things in the same way anymore.
  30.  
  31.  
  32. *****
  33.  
  34. FREE AND JOYFUL OUT OF THE CRISIS
  35.  
  36. WITH A NEW BANK AND CURRENCY
  37.  
  38. (End of intro)
  39.  
  40.  
  41. *****
  42.  
  43. Ronald Bernard:
  44.  
  45. Welcome at the presentation "Free and joyful out of the crisis, with a new bank and currency."
  46.  
  47. I'm engaged in the United People Foundation. It's also United People Foundation which organizes this presentation and the product Bank of Joy or B of Joy, which we will discuss, originates from United People. And we develop, promote and implement innovative products and service. Well, today we're going to discuss the financial product.
  48.  
  49. My name is already known, I'll say it again, you can also read it here, my name is Ronald Bernard and I haven't always been standing on the right side of the line. My life is literally divided in two lives. You can put me in the program "The Change" at the EO (Evangelical Broadcast). I don't know if that program still runs, but in the early days this was such a program, where you could hear the story of a person who switched totally. With me it has happened in the same way, more or less. In my second life, I've actually died and was re-animated, so I'm talking literally about a second life, I've become a social entrepreneur. I've become a social entrepreneur. Which means, alright for me and also alright for the world around me. But it's also relevant, to know about how my first life was organized and in that life I'm simply an old bankster, one could say, an ordinary criminal, another word for banker: bankster. That's relevant in order to understand what I'm going to show you, for better and for worse.
  50.  
  51. My background is economy, construction/engineering, but later also psychology, mass-psychology and theology. My entire life I was self-employed, it started at a young age. Since my 11th year I stood on flea markets and at the age of 11 I had more money than my mother received for domestic use, from my father, so when my mother needed money she could lend from me, at interest. Yes, that's how it went in the early days. I had it all nicely organized. It was my main (head) goal.
  52.  
  53. How I came into this world and how I saw the world wasn't a joyful world to me and that meant simply Me, Myself and I, which meant it was about making as much money as soon as possible. And so, eventually I went into the money-trade. That means currency-exchange and thus British Pounds, German Marken etc. in those days. It meant also the deposit-trade, which was trading in savings with the focus on interest, taking our commission from the interest-differences and attached to that was the asset management. And the asset management had a lot to do with what they nowadays call "tax evasion" oh sorry "tax eluding", I call it always tax evasion, because that's what it is, but nowadays they call it neatly "tax eluding". Holland is one of the best channels for tax elusion. Not for the Dutch people, but for the remains of the world we've become a huge sluice. But this is the world I'm coming from and my customers were bankers, governments, multi-nationals, uhh... old money of families. But eventually also secret services and what they nowadays call terrorist organisations. That's in a nutshell, what it's all about.
  54.  
  55. It's about a world without ethics and morality. If you've actually read the book, or have heard about it, by Joris Luyendijk "This can't be true" how accurate is the title, he has done 5 years of research on bankers in the City of London, that's one of the main centres of the financial system. What he writes in his book, is about "it can't be true" for there's no ethics whatsoever and no morality. I'm coming out of that world and I can assure you that what he has written is the light version of reality. We're talking about a "Monster of MORE".
  56.  
  57. One of my colleagues, which I don't know personally, John Perkins, he was an "economic hitman", he's also stepped out of it and he has written a book about it. If you read that book, you're entering a world that is the reality of our present time.
  58.  
  59. This is Christine Lagarde. She's at this moment the head of the IMF International Monetary Fund. That name passes by occasionally, in the direction of Greece and other subjects. This is the language they're speaking, this is the mentality. They literally shit on the population. This is what's it all about.
  60.  
  61. It's important that I'm presenting this intro, because I hope that after this lecture, just in case it's still present, you won't sleep again ever, that you will be conscious, awake and will stay awake. After this lecture you'll have a chance that you won't see anything in the same light anymore. Well, the point is, that I'm inviting you to stay awake and this will be expressed in a song by Paul and Carla: Nessun Dorma.
  62.  
  63.  
  64. Carla van der Veldt:
  65.  
  66. When I expressed the wish to be more engaged in a social way and opened the computer, there was an inquiry of Ronald, with a request to include our music in his lectures. I thought "Well, if a prayer is heard that fast, it can't mean otherwise than that it's what's meant to be"
  67.  
  68.  
  69.  
  70. *****
  71.  
  72.  
  73. Song: Nessun Dorma
  74.  
  75. Nobody shall sleep!
  76. Nobody shall sleep!
  77. Even you, oh Princess,
  78. In your cold room,
  79. Watch the stars,
  80. That tremble with love
  81. And with hope.
  82. But my secret is hidden within me,
  83. My name no one shall know...
  84. No!...No!...
  85. On your mouth I will tell it
  86. When the light
  87. Shines.
  88. Nobody shall sleep!
  89. Nobody shall sleep!
  90. And my kiss will dissolve the silence
  91. That makes you mine!...
  92. No one will know his name
  93. And we must, alas, die
  94. Vanish, o night!
  95. Set, stars!
  96. At dawn,
  97. I will win!
  98. I will win!
  99. Vanish, o night!
  100. Set, stars! Set, stars!
  101. At dawn,
  102. I will win!
  103. I will win!
  104. I will win!
  105. I will win!
  106.  
  107.  
  108. *****
  109.  
  110.  
  111. Ronald Bernard:
  112.  
  113. Well, yes, shall we continue immediately with the 2nd number? That's far more appealing than what I've got to tell you, really. At least, the first part. The themes we're going to discuss, from without United People, by the way, welcome to those who have entered, during the singing more people came in, welcome! The first part which we will discuss, the first part until the break, is for a large part about the old power systems, the old power. If you don't understand that, if you don't have insight, as far that's not present yet, it won't be meaningful to tell the remaining part, for you must know the causes. Many people don't know what the real causes are or why we live in a world as it is now. Afterwards we will discuss the possibilities of how, within 5 years' time, we can arrive in a healthy economy. It is possible.
  114.  
  115. We're going to do it with a new move, which is already happening, and a new bank. And it's coming. The real crisis we're in, is a crisis in our consciousness. We simply don't know. That lack of knowledge is nurtured in our daily life actions and it's not necessarily a conscious process, it's very often fuelled by fear and that same lack of knowledge. Those two factors dominate this world. Think about insurance companies, how many insurances do we really have, for the future, arranged for something that possibly might never happen. But we pay for it alright, just in case. So, there isn't much trust. Now, this won't be the case that much in this hall, I suspect that here's more trust to life, compared to the general person, but nevertheless, I'm referring to the whole society. I'm talking about more than 7 billion people. That's what's it about.
  116.  
  117. The old system. Henry Ford was one of the elite who was able to grasp the nature of the system, because he himself was one of the owners. He said in 1922 in the following quote: "It is fortunate that people don't understand our bank and the money system. If they could, I believe that before tomorrow morning a revolution would've broken out" That's how deep the impact was. Well, that revolution is already happening worldwide. It's not a violent revolution, although, if you look at France you may think differently, but the revolution is happening worldwide. There are increasingly more people standing who grasp the true nature of it and begin to offer something else. It's something we will discuss later.
  118.  
  119. It's fun, well, fun between apostrophes, it's "fun" to know that The Netherlands since old times always has been a country of traders and also a country of innovations. It's an explosion of innovations here. That's the case to this day, as well as in the past. The present bank system that we're familiar with, what we think is normal, that's eventually founded by William of Orange III. And this was on July 27th 1694, with the founding of the Bank of England. That Bank is still in existence. How did it come to pass? William was in financial need, he was at war and he also wanted to wear the British Crown, in order to own the British and the Dutch Empire. He was looking for financial means. What he did, is creating a contract with private entrepreneurs, bankers and money-traders, so that they received the right to practice banking, to create money and so much more. And so he placed his signature on a system, constructed by individual people, with which he confirmed to go along with tax-obligations, you see, for money needed to come back and in this way he received the Crown of Britain, by his marriage with the British Crown. And he gained access to unlimited money supplies, in order to go to war. And in this way he won the war.
  120.  
  121. And thus, the money-system we nowadays know of, has its roots in Holland. And by this transition, the placing of his signature on a contract for private individuals - it could've been to us too - the power was transferred. And one of the bankers dynasties that's very active to this day, is the Rothschild dynasty. And Baron Nathan Mayer de Rothschild, this was a London banker, you see, they were 5 brothers and he was stationed in London, this man talked about the power "The man who controls the storage of money, directs the British Empire" this is declared on a moment, about hundred years after this system came into existence, "And I've got the control over the storage of money". Already within 100 years since this old system started, around 1700 - he said this in 1815 - let's say within 100 years he gave this opinion. The British Empire was a huge global Empire and this man simply had the power over the British Empire, to control the money supply.
  122.  
  123. He didn't say this without a reason, around that date of June 18 1815, because this was the day of the Battle of Waterloo and he created, on the London stock market, the suggestion that Napoleon had won the war and he did this with his collaborators, by selling all papers of value they owned. And stock markets are functioning on psychology, let's say on emotion and not on facts. And thus, everybody noticed that this important banker began to dump and with that, suggested "Napoleon has won the war" and so, everybody followed and in this way all was dumped and the prices at the entire stock market collapsed to almost nothing. On that moment he bought everything. Everything. And then the official couriers arrived with trumpets of "Hurray, we've won the war, we the allied forces" And yes, from that moment, all began to rise in value again and all returned to the way it had been before. But everybody lost, except this man. He and his family. And so they've gained a huge wealth, in one blow. This is all about the power.
  124.  
  125. In this image I present in one gesture, an image of the global power. It's from the movie Thrive. Thrive is also one of the movies discussing the awakening of consciousness. At the top you see the golden triangle. If you follow the money, no matter how you find a way, follow the money and you discover the origin and the reasons, the motivations. That golden triangle, represents 8000 - 8500 people who own almost everything, almost everything. And those are about 13 head-families and a few other families, marrying amongst each other. And so they keep the capital contained in this way. Austrian and Swiss firms have done research on this global hierarchy of all multinationals and discovered the same result of a very small group of people who own everything, through multinationals. Well, this financial elite makes use of a financial system, you'll see it here in a pyramidal system.
  126.  
  127. At the top, the headquarters, that's the BIS. I'm going to talk about it in the next slides, that's a head-quarter of all headquarters. Below that one is the IMF, something you've already seen here and also the Global Bank, which is also in the news ever so often. The Global Bank has done a lot of "good work" in Africa, by giving loans to corrupt governments, which never were able to repay, followed by the invasion of these countries and claiming the ground-resources, so that multinationals could plunder Africa, which is very rich. And when they didn't co-operate, economic hitmen arrived to make clear that they had no choice. That's the Global Bank. Below that are the Central Banks, the Bank of England is one of them, but also the Bank of Austria and also the Federal Bank of New York, in the meantime the European Central Bank has joined too. That Bank is ruling the European Union. Yes indeed, we live in a financial dictatorship. You may not grasp this, that's possible, but here's where a new Central Bank, the Bank of Europe is present. And below that are the multinations, sorry, in between is another layer, the common banks, the yellow line here those are the banks worldwide, and below that are the multinationals. And below that are all the governments. And the governments, they consist naturally of beautiful people who participate in it, only there's one thing, they are puppets. They're puppets of the power. They're the connection between the real life and the money.
  128.  
  129. When people are present in politics, they're in integrity and they want the best for the population and when you vote for them, they mean it and intend to practice what they preach. There's only one problem, on the moment that they're sworn in a government, as minister, they're sworn in according the rules of the king or others in power. On that moment they change of ownership. That's also the reason why they, after ending their political career, often are present somewhere in the economic sector, after the political career. Minister De Jager was minister of finances and he's now in the top of the KPN (Dutch tele-company). Well, you can check them out, all of them, that's how it works. You're bought.
  130.  
  131. But below that section, that's where the real life begins, the real economy. That's where the real value resides. That's where Mother Earth is present, that's where the resources are, the animals, that's where we humans are present. And in this aspect, we're the dominant presence on planet Earth. And don't ask what we're doing with it. We've got the possibility to do with it what we want. We're the only real value. Everything boils down to labour and hours. To us. Imagine something at random, a glass-window. That means sand from the ground, working with materials and tools made by us, the hours of labour we invest and in the end it's a glass-window. Everything is pointing at us, not to the gold, to us. That's namely why you've all received a note. Ura, the new money, labour-hours. But this is the power on Earth and they've developed a system in this, we're going to discuss it now, in which they withdraw all this real value to the top part, through this system, causing the rich to grow richer. For in a few hundred years they've drawn all the power to them and all value on Earth, to this place. 99% of everything is owned by a small club. And they do this, they maintain this situation, by means of armies, police force, by tax services, by laws, rules, call forth all that you can think of, that keeps it there and that holds on to it in that place. This is the system, what I call "The Monster of More" It's a vampire system, that withdraws value constantly and the full hour you will be reminded of the pyramid, where the value moves upwards, time and time again.
  132.  
  133. This is the BIS, that's the Bank for International Settlements, which is in Basel, in Switzerland. I use to call it the Tower of Babel, for I see the resemblance. But alas, this is the Tower of Basel and who knows, that one will fall over, we're the ones who can determine it. This is the head-quarter of headquarters, from where the whole financial system is directed, worldwide. Directed from within, where the boys are present in the golden triangle. This is also the location where, for example, Nazis Germany its gold, its robbed gold of countries, during the WW II, of Jews, traded with Americans or other buyers. It's a neutral territory, where everybody is among friends. From here, came also the Basel I, Basel II and Basel III accords, meant to sooth us to sleep, that all is good. Here everything is possible. And I'm going to show you why.
  134.  
  135. Ta da... Holland again, 1930. We've invented it, we've thought it out. It's formalized in The Hague in 1930. It's only after one year, that this institute the BIS, was respected by all countries. In the headquarters agreement, in the top contract, there's a statement in article 2, saying that they're inviolable in everything. And it also states that they enjoy complete immunity and that they've got absolute monetary power over the global financial system. And that they're positioned above each law. It's no longer of this Earth. And controlled by nobody. And don't think you can enter without permission. They shoot you. They've got their own heavily armed police force. Switzerland has no authority over this Institute and the ground it stands on. It's a free state, just like Vatican-city, right below here, a part in Washington, these are all free states, from where the elite rule their power.
  136.  
  137. Well, if you see this and work for it, you may be able to imagine that we're dealing with a system that is run by psychopaths. I was in training to become a psychopath, but I never succeeded. I'm broken under it, under this whole system. But there are people who can manage this, they can't get in touch with their feelings, they can't get in touch with their conscience. When I was in training, in the Stock-market of Brussels, to enjoy my courses, I was told "Put your conscience not on minus 18 but on minus 100 in the freezer, for you can't do this work in any other way". Because this is the field where I've worked in. This is the field directed by the BIS. This is the world, this is the global casino. For all suffering, almost all suffering, there will be a natural disaster that won't be designed and directed every now and then, but almost all suffering on Earth is constructed, created as a model to earn money. It's a model to earn money. Greece is a model to earn money. The Greek population has actually only received 5%, in their country, of all money flows going in that direction. The remaining parts have gone to bankers in Germany, France, Holland, and so on. These are models to earn money.
  138.  
  139. The Middle East conflict, model to earn money. It's about transport of gas which is supposed to go to Europe, from Quatar. And the Russians don't want it, other do want it and all that may cost something. A couple of 100 million people are the costs, so to speak, children are slaughtered. It doesn't matter. It's the domain of psychopaths playing Monopoly with life on planet Earth. It's allowed to be destroyed, all of it. It's a Luciferian system.
  140.  
  141. The Casino, it's a bloody affair, I've done that too. I created speculations on Italian Lira, for example, and I managed to deal a blow to the Italian economy, after which companies went bankrupt. And later, I learned that an owner of a company had committed suicide, because his company was speculated into destruction. That man left behind wife and child. That sort of thing, that's what caused my breakdown in the end. But there are people who are able to do this sort of thing, don't underestimate this. For this is what's visible in our world to this day.
  142.  
  143. That whole monetary system works on money-volumes. And I sat in the top of the bubble, we're talking about a number of 2010. Here it states 955 trillion, but it's English, so you must turn it in billions. Nevertheless, it's an astronomical sum. It's as if you look into the Universe, to the stars. What's imaginable in this? These are ridiculous large sums. But, we can analyse it to the minutest details, but what it boils down to, that is, let's say "Here's the planet Earth and there's, let's say, 63 trillion was needed to, let's say, allow daily life to continue and function with the means of exchange called money, that we need. That's what was involved that year, 63. While in the casinos, on the side of speculation and trading, where wars are financed and all that you may wish for, in there was an amount of money moving about that was 26 x the sum that is needed. It's there where the banks earn their money, a large piece of their money. And where things go wrong too, where losses are happening. And naturally it's us that is paying for it. Alas, this is for the moment an illustration of how much money was moving about, in 2010, in the world, money that we don't need.
  144.  
  145. This is the picture of 2014 and thus we're 4 years later. And thus you'll see that ultimately, that the amount of money that we need in the real economy, in the former it was 63 and here it's become 75 trillion, it's grown in 4 years' time, but on the other side, in the casino, in that gambling palace, it has grown horrendously. Indeed, it has become so much that it's not 26 x that amount of money, but 974 x that amount extra in the roulette on planet Earth, on top of what we need. And thus, that bubble is only expanding more. And to offer you a little illustration about what the amount of money was that moved around globally, in 2014, 77 quadrillion, and you divide it by the 7,2 billion that were present on planet Earth, be it large, be it small, be it green, be it brown, it doesn't matter, it boiled down to this, that if we would say to each other "Let's now just share it in honesty, for lo and behold, there's so much money available" on that moment, everybody would have 10 million on his or her savings-account. If you would share it with all global citizens, including the babies. And so, why is there scarcity? There's a lot of wealth. It's only handed out and shared in the wrong way. We've got a distribution problem. But, this is a source that you can read and check, in the consumer guide of Dec. 2014 page 39. That's where this comes from, others have calculated it. But it's horrendous, how much money there is.
  146.  
  147. Alas, you may think "Hurray, we all have 10 million on the bank account" but unfortunately that's not the case anymore, for since 2011 the ECB has been given the authority to rule and has become the commanding force over the EU. And with that the laws, the national laws have lost their power, to a large extent. And the money in the bank, we have just received those 10 million in our account, when we hear "Your money on the bank isn't yours, not anymore. It's an account receivable". And thus, if the bank collapses, you've got to wait and see if you can get some. This is the picture of how the world-situation looks like now. You can see the puppets here, the governments, you can see the bankers and you can see the citizens. This is what happens in the world-economy. And thus, as the holder of an account you will miss the boat. And to get ahead of the second half of the lecture, the only way to leave this is to become owner of the accounts yourself. You need to become owner of the accounts yourself. Otherwise you've got no input. Boss in one's own bank. This is the picture.
  148.  
  149. The profit - and loss account of the global casino, the gamble palace where we're present, globally, which is based on making profit with misery. The profits are for the stakeholders. The stakeholders we often don't know. For example, by means of constructions they cloak themselves so that they're not known. Of the Rabobank it's partly known that the Rothschilds are fellow owners of the Rabobank, but many are hidden. But think of the pyramid, here's where the money is withdrawn. All profit, you will read this each quarter-year, that much billions for this bank and that much billions for that bank, that's going all very neatly through the little lock to the stakeholders and so, hop, to the top of the pyramid. That is refueling. Money refueling. But alas, you need a middle man and those are the top-employees inside the bank. Only the top-employees, so that all the remaining employees truly are well meaning, thinking that they're doing great work. It's mainly a small number, and it's where I had to deal with, that place their signature. They confirm transactions. Those are the ones who know that money goes to warzones, for example or to an investment in order to spread a disease, or whatever other reason there may be. Those are the ones who receive top-salaries and bonuses. Here people are bought, souls are bought.
  150.  
  151. That's the plus-side. The minus-side we know better and that's the loss. That's for the citizens. Under the reign of Wouter Bos, a few banks were collapsing. Also in Holland and Belgium. And they had to be saved. For when we wouldn't, all would collapse, hm? Fear. And thus, there's been a transfer of 40 billion euro taxations, offered by us through labour, to the banks. To save them. That's how it went under Wouter Bos. That's how it went on for years, robbing our money. That's an ideal solution, isn't it? Let's say, I'm a gamble-addict and I leave the casino, having lost all. I'll go around with my hat and collect quickly 10.000 euro. "Thanks, boys!" and I'm gone. I hold on to my profit and when I lose I return for crying on your shoulders and collect money. But this is the story, quite old, for it has gone this way for years and years. But the population began to protest, it became too much. The taxation-debts rose higher increasingly.
  152.  
  153. Then, under sir Dijsselbloem, bail-in was introduced. And that was with Cyprus. Cyprus, it's where a bank collapsed and it's where for the first time, all savings higher than 100.000 euro, were confiscated. And then, sir Dijsselbloem said "Yes, but it's only once and alas, it's only money from Russian gangsters, hm? It's not relevant". No, a lot of people, Dutch people, artists, celebrities, sportsmen/women, to name a few, who had followed a tax-route, following a Cyprus route, those also had their money in this bank. They lost all that too. The evil part of this story is, that it hasn't turned out to be "only once". What supposed to be only once became law. Since Jan. 1 2016 the bail-in rule is installed throughout the EU. That means, that all savings higher than 100.000 are outlawed. Last week the... Optima bank in Belgium collapsed and all people with savings higher than 100.000 euro lost it all. The money is lost. This is common law. Wherever something collapses, it doesn't make a difference, we're simply collecting 100.000's of euros from everywhere. This means, that now, legally, the citizens of the EU are simply being robbed. You've just managed to sell your home and are in anticipation of buying a new home, bang... goes the money. Pension savings, you name it. That's the next loss.
  154.  
  155. Google please - 2014 - the pension savings, the amount of 140 billion, you'll read the story. Pension savings managed for a long time, based on interestes, to keep going strong, keeping their income safe, so that all were paid that were involved. But, these interests have gone down in value so much, that they entered the stock markets too at some point, the speculations, the gambling. In 2014, they've lost 140 billion of our pension savings. Gone. There's still 1400 billion in the pots. That's still quite a lot, but 10% they've lost in 1 year time.
  156.  
  157. This is the picture, I'm taking a lot of time to explain maybe, but it's really important. Another one, who's familiar with this? The ESM European Stabilisation Mechanism. Has anyone heard about this one? For our representatives of the nation in the 2nd chamber, have had debates for months on end. Yes or No? With 100 votes, exactly the hundredth man, an agreement has been reached. And what's been agreed to? You can read it here. With 1 vote less this couldn't have happened. The representatives of the Dutch nation have agreed to bring this into effect. This was initially designed to save nations. EU nations. But we saw that pretty soon, once it was confirmed: banks. Okay, hmm. Banks in crisis. And those are saved by means of the ESM and that's possible by demanding billions of euro's of any bank at random within the EU. Our ministers have signed a blank cheque to the ESM. And if they act upon this agreement it must also be paid within 7 days.
  158.  
  159. And now we arrive, just like with the BIS, in a very nasty list again. It's much bigger, but I choose a few of them. That institution, the one who demans this, is irrevocable and unconditional. No return. She enjoys complete juridical immunity and the ESM personnel is sacrosanct. Just imagine for a moment, they're situated in Brussels, imagine these folks of the ESM going out to the pub at night, returning home half-drunk, for a brief moment on the work floor. And they say "Shall we play a trick? Let's demand 20 billion from Holland!" Take your pick, a joke. It doesn't matter, they can do what they want. We are the ones who will have to pay. Each EU country is obliged to pay. Well, the rich countries are Finland, Germany and the Netherlands, so it's where the till is tinkling. There's gone a lot of money, through the ESM, to Greece, of which we never hear anything. And all the money that goes to Greece goes to the banks. We're powerless and without any rights related to the ESM. We've arrived at the end station without a return ticket in all aspects of life.
  160.  
  161. The creation of money is the cause of devaluation. I've brought an example with me, of this. Since my age of 6 I've collected strip books, through Belgian children in Spain. I've moved through many European countries and I want to explain something for a short moment. This is a strip book of over 30 years old and in it, in handwriting, is the price of 1 euro 50. 1 euro 50 for this book.
  162.  
  163.  
  164. (Someone in the audience):
  165.  
  166. Guilder (Florin)
  167.  
  168.  
  169. Ronald Bernard:
  170.  
  171. Uh, excuse me, 1 guilder/florin 50 that was the time of the guilder/florin, yes. 1 guilder, 50 cents. I was already with my attention with this book, this one is relatively recent and in there it's in euro's, almost 6 euro's. So, if you convert it in reverse, with 2.2 it will cost 13 guilder/florin 20. And so, in 30 years' time, you move from 1 guilder/florin 50 to 13 guilder/florin 20. And in fact, regarding material, labour and hours of fabrication, nothing has changed much and still it's become so much more expensive. No, it's our spendable income, our salary. Our value has grown less, it's because they create more money increasingly, that the whole value of this river of money becomes less valuable. And thus they withdraw value and that pyramid swallows it again and again. That vampire swallows it. And so, the devaluation of money means... stealing.
  172.  
  173. It's similar to when you own a good barrel of wine and someone secretly sips from it on a regular basis, replacing the wine with water. And one day you decide for your friends: "I shall pour you a very good wine this time, ha ha, ha" from that barrel and everybody spits it on the floor. Because it has lost its value and nothing of its content is useful anymore. That's inflation. It's why you'll see, when the government is awake for a moment that the mantra is sung "Economic growth", economic growth, for as long as there's economic growth, it's possible to camouflage the inflation. If you look at the rent-specification you'll see that according to standard, 2.5% inflation correction is applied. That's not because the prices have gone up, the money is less and less valuable. And so they must require higher prices in order to receive the same value of the rent. It's theft, it's one of the forms of theft that's presented in front of your nose. Economic growth is the mantra, as long as that happens, with the elderly working, with the youngster working, preferably also the children, so that everybody starts working hard 90 hours a week, while the couples, the two-income families are in difficulty. 20 years ago, a one-income family could manage okay. It devalues, our salary devalues. We receive less and less. It's theft. So, this is the picture of how the government co-operates with the financial system, in order to commit the first theft in front of your nose. Different thinking.
  174.  
  175.  
  176. Carla van der Veldt:
  177.  
  178. We ourselves write music too and we write our texts. And on the moment we realised where we all find ourselves in, we wrote the following:
  179.  
  180.  
  181. *****
  182.  
  183.  
  184. Song: Anders dan voorheen (Different than before)
  185.  
  186.  
  187. It is enough I want to change this
  188. Let's make a difference on our own
  189. And if the World still will not listen, than I will do it all alone
  190. This voice inside is getting stronger
  191. And I am sure she never lies
  192. I can't deny her any longer
  193. So I speak up before she dies
  194. I won't allow one soul to suffer
  195. I quit supporting funds of war
  196. I am fed up with all the diets
  197. They make me stuff me even more
  198. Don't want my hours crammed with computer
  199. No mailbox to dictate my day
  200. No condemnations or persecutor
  201. I want the truth to lead my way
  202. Don't want my joy of life be strangled
  203. By made up stories of mankind
  204. No fear, nor jalousie or wrangle
  205. No thoughts of anger on my mind
  206. I don't want pills or fat corrections
  207. No facelifts or fake erections
  208. No one to tell me who I am
  209. Just want to feel myself again
  210. I'm tired of empty television
  211. I'm sick of ego and ambition
  212. All these senseless occupations
  213. That just disrupts a real sensation
  214. Don't want a world filled with illusion
  215. No suspicion and no confusion
  216. I want no child to die of hunger
  217. I can't endure this any longer
  218. No living soul will steal my freedom
  219. No one to rob me from my dreams
  220. I'll never kneel for any system
  221. I keep in charge of my own genes
  222. No control, nor domination
  223. No pollution to expand
  224. No Big Brother to rule the nation
  225. I hold my thoughts in my own hand!
  226. Well, read the words upon my lips
  227. My skin won't ever allow those chips
  228. No bank can rob me from my worth
  229. I bring my own light to this earth
  230. I'm sick and tired of greed and fear
  231. Of living just for one's career
  232. Where is this brotherhood of men
  233. I want to love mankind again
  234. Tired of e-mails and too much information
  235. I try to find some authentic inspiration
  236. Exhausted of reaching and running around
  237. I find myself homeward bound
  238. I dare to look into our eyes
  239. And sense a mind that simplifies
  240. I am not so lonely anymore
  241. I want things different I do things different,
  242. Different from before.
  243.  
  244.  
  245. *****
  246.  
  247.  
  248. Ronald Bernard:
  249.  
  250. How does one create money? Now that we discuss the till. It's also something we haven't learned in the economy. In fact, what you learn in school is a different program than the one in our daily reality. At least part of it, it serves the system to keep it this way. Money is created out of thin air, based on debt. And so... Ti-Ta-Tovenaar (magician's trick) plop, money. There's nothing that backs this up. Yes, a debt-contract. And I've taken some of it with me, to clarify this some more. And you can read too, in the meantime this is, this has started about after 1974, It's the moment where the gold-standard behind the money, behind the money was a real value present, that was gold, and after 1974 the gold-standard has been separated from the money. The value was gone. We also saw the slow appearance/arrival - of computers and so, slowly, we were slowly chased out of our salary-bags, because, yes, salary-bags... one could be robbed, that's all scary hm? Robbed in the streets, burgling your home. It's all fear, so hop, all submissively on our way to the banks and step by step it's come to a point, that in the meantime 97% of all money has gone digital. Zeros and ones. Only 3% is present in our purse and that's old money, hm...? The notes and the old money that moved around. But without debts, for it's based on a debt-contract, without debts there's almost no money moving around. That's the situation at present.
  251.  
  252. And how does that happen? An example of a standing line of credit or a personal loan, or a mortgage, those are the customary events that happen most of the time. You're going to the bank and you give proof of, let's say, you own a home for 30 years. You give proof of water burning and the moment you've proven it, you've given proof of being able to pay off during 30 years, you're signing your name, which means there's an approval and based on that signature and the bank-permit, bank codes are used, on a laptop, a saldo is created. This is on one side, that is, on the bank-saldo you've got a debt and on the other side you've got 100.000 euro in the plus, a positive saldo. There's always a need for balance in the book, hm? And that money, those 100.000 euro, goes to the salesman of that car, or of that home, or whatever it is and you're left with the debt. For which you're going to pay 30 years of your life. And so, without debt contracts there's little money flowing. Governments, banks amongst themselves, central banks, imagine all situations with the money flowing, it's all covered based on paper-shops, covered by signatures. Well, that's how money is created. And then you were thinking "Yes, Ronald, you're telling exciting stories now, it can't be possible, can it?"
  253.  
  254. Well, this is Herman Wijffels and Herman Wijffels is at this moment economist and professor at the University of Utrecht, that's around the corner here. But he's also been chairman of the Rabobank and later still, he has climbed higher in the tree and he became chairman in the Worldbank within Holland. And thus, he's had an opportunity to have a good look in the pyramid, how things are done. This man says, at Radar Extra, simply on tv, to all of us "Oh yes, 97% of all the money that flows around is money created from debts" Out of thin air, hoppa. While we learned that behind each loan, savings were present. Yes hello, if you look into the balance of banks, you'll see very little savings and a lot of debts. And thus, something is wrong. And so he just tells it as it is. Old banker, retired.
  255.  
  256. Let's go back for a moment to the Central Bank, we know now that money is created out of thin air, there's no value backing it, on their side. In the meantime, in Jan. 2016, things got so far that the storage of money, the one which is swimming in that bubble, in that casino, that it's not 900 times anymore, it is now over 9000 x more money swimming around on the planet than the amount that is needed in the real economy. It's at the point of explosion. The money-tap is fully open, also at the European Central Bank, which now lends against 0% interest to the banks and that's all under the flag of "We're going to boost the economy, we're going to animate the economy". And at present, first it was 60 but in the meantime it's become 80 billion each month, is created out of thin air and pumped into the market, towards the banks, in order to help us. Well, do you notice anything of this? It is possible, it IS possible. If they want to support the real economy and they would divide this sum by the 17 million Dutch population, we all would have each months 4700 euro on our account. If they would do this, then it would start to happen, then we would begin to stimulate the economy because we are the consumers. We would consume, but also pay off debts, we'll start investments. We are going to help others. You'll start moving this money into a flow, you're going to do something with it. That's how we may support the economy.
  257.  
  258. This story is shared too from without the European Central Bank, it's done in America as well. All central banks are sharing this story, also the banks, they open the money-tap wide it looks like things might be going pretty rough. It's the bell for the last round. It's also why they begin to discuss what the population longs for, a basic income. That's a different word, for it is making a connection with the citizen, that's a different word for helicopter-money. So, it means throwing money over a neighbourhood, literally. That's in fact the last phase of the economic collapse. It means, that you begin to pump money into the economy instead of into the upper part of the pyramid. In that phase are we now. How long it will take we don't know, but it is ongoing now. And you don't have to accept this from me, for the Central Bank shares the same info. They're not liars anymore, they just tell the truth. It's similar to what's written on these packages, that smoking is fatal. Alas, in the meantime they've added 4000 chemical ingredients to it in order to live up to this truth. People do die of smoking these days.
  259.  
  260. And the main insight is coming out now and that's interest raise/levying? Again, it's about withdrawing of all money from the real economy into the top of the pyramid. The interest raises, these are in practice since the Middle Ages when the Catholic Church was in full reign, officially, it did not permit them. If you applied them you found your death. Death penalty was the punishment, it was a severe criminal offense. They knew how a-moral this was, how parasitical it is. Moslem banking kept this out of its system for a long time, banking without interest. They've held onto it to this day, but with the present magic box in banking nowadays, they've watered it down. You can hear many complaints coming from the Moslem culture, about their present banking system, because it is, to say it with a wink, not kosher.
  261.  
  262. Pack-man! Pack-man, I've brought him back. That was the computer game that allows you to win more with an equally measured amount of feedings. Pack-man arrives 1 time in a year on planet Earth, to collect 5% interest. For the raise of this 5% interest is never calculated as included in the debt-contract. And so, those 100.000 euro, that is 100.000 euro, but the interest, those 5000 euro have never been included in the calculations, they don't exist. And so, interest raises withdraw value from that what has value. Planet Earth has value, we have value. In a way, one can say that the practice of lending money has costs of usage. And thus the bartering with money results in costs of usage. Well, here you will see it, you start with 100.000 euro, 5% interest on top of it. In 10 years' time you have paid back 50.000 euro, to the banks, withdrawn from the system. And they're not in existence anymore, for there's only 100.000 euro created. In 20 years you'll see it go, you'll be at the zero saldo. After 10 years you've left 50.000 and after 20 years you've got zero. And thus, that can't be. So, what happens? From all nooks and crannies money needs to be withdrawn, value needs to be... We need to go looking for the competition, for we are all in competition with each other, for we've all got a shortage. This creates a shortage. And so, we're going to withdraw money from everywhere, from each other. And the bankers add a bit of extra to it, for as soon as there's a shortage, they manage to throw in ever more loans in the circuit. So that there's ever more money in the circuit in order to fill the holes.
  263.  
  264. But you'll have noticed by now, with the homes it's the same story with the mortgages. You lend 100.000 euro and you pay 150.000 in 30 years of rent, which is created nowhere. The creation of a shortage, the start of the withdrawal of all the value towards the top. In this picture we're seeing the return of that distribution problem, the issue I referred to at the start. This is the picture of Margaret Kennedy, an economist who's passed on now. Various economists have written books about it and here you see the picture. Interest raises are causing an unbalance in the distribution of wealth. Which goes in one direction only. 80% of the population are working for the interest, to deliver the value of the interest through hours of labour, 10% plays equal, catching, grabbing and paying something. And 10% is catching what's going into the top of the pyramid, hop, everything is withdrawn.
  265.  
  266. And there's another little issue. Within the production of everything, what we know within our consumers-chain and thus, from the quarrying of material, the factory owner, the transporters, the retail, the shopkeepers and us, in that whole chain, it's where loans are being created. For everywhere there's investment happening in order to produce something. And in that whole chain, everywhere there's a little bit of loan catch. And ultimately, they've calculated that there's 40-45% interest hidden in this, because everybody has to pay a small sum, but also calculated through in the costs. And in this manner, the bankers catch 40-45% interest from this whole system. That's hidden, it's quite subtle. We all think "Oh, just a little bit" but in the large heap it's very much.
  267.  
  268. And then there's another one, interest-on-interest, that's completely about counting oneself rich. It's this, that after 1 year, you've put 100.000 euro on the bank and over this sum there's 7,5% interest and that interest moves back towards the main sum, after 1 year. And so it becomes... the second year you start with 107.500 euro, the sum increases and that continues. It boils down to this that when you create your little deals in this way and bankers do this a lot with us, that you end up with 900.000 euro, after 30 years. So, you start with 100.000 euro, you're sitting with your hands behind your head during 30 years and you catch 900.000 euro. It's tempting to start up a bank, when you see all this, how easy the money is earned in the whole economy, through us. And so, not only on the stock-market, but also through us.
  269.  
  270. I've taken an example with me, to make it more pleasant. That's an example of interest-on-interest. It's a story, for many details don't fit, but it's to illustrate what happens with interest-on-interest. Suppose, Joseph, at the birth of Jesus, could put a eurocent on the Silverfleet, let's pretend it existed at the time. In earlier years, there was such a Silverfleet saving account at the Postbank. For the baby, for later, study etc. One eurocent. Anyway, on top of that there arrives this 5% and so that eurocent becomes a little bit more and that goes on this way. Jesus was, as far as I know, the biggest rebel ever. He healed on the Sabbath, that wasn't allowed by the Sanhedrin. He healed people on their day off, that wasn't okay. He threw the money-exchangers out of the temple, we could talk hours about what this man manifested. It was the biggest rebel ever! The situation, where we find ourselves in now, the situation where he was in too. But eventually, they murdered him.
  271.  
  272. Suppose, many people are convinced about this on planet Earth, not only Moslem people, but also Christianity and other varieties, even the Luciferians, that Jesus returns to planet Earth and he says "Uhm, hello, I've got a savings account somewhere, can I catch?" Do you know what it is we have to pay him? Five golden globes... with the weight of the Earth. That is really impossible! Where would we live? Well, fortunately Jesus has a golden heart so all will be less serious, but I mean, what this system does, it's a cancer growth. It consumes everything. This is the system where we're in now. What you see around you on a daily basis.
  273.  
  274. The last subject, and after that we're going to stop with this headache dossier, that's fractional banking, because the magicians continue with their tricks. If you deliver 1000 euro at the bank, neatly at the bank, this may be Triodos, ASN, you name it, they are allowed, through fractional banking, to lend this sum minus 10%. And so you'll have noticed already, 1000 euro arrives from us and it can be offered as a loan, for example, in the first row, the three people, who want to buy a tandem-master from the second row. Oh well, they have a 5 person tandem-master, so you can get some extra people on board. And so you lend 900 euro, pay to the second row for that tandem-master and second row, also well educated, for you could be robbed from the 900 euro and thus, hop, as soon as possible to the bank and plop, there it goes again in that system. And it doesn't matter which bank, for they're all connected to the Central Bank and that hustles all through and among each other, the money is back in the casino again. So they can lend 900 euro again, minus 10% is 810,- and it goes on as long as it lasts, until it's fractionally cut in that many little pieces, that in the end, originating from the 1000 euro - by the bankers - 10.000 euro is created by magic. Through us. You could say "Well, they create money from thin air and they catch much money in all possible different ways, through us, for we're the milk cow, let them".
  275.  
  276. But no, also that 5% is functioning in this whole carousel. And there it is again, those 40-45% pop up once again. In other words, once again, from the 1000 EUR that are coming in, 400 to 450 EUR sheer profit is made. And this by means of an interest charge, legally, because it is settled by means of law. It is immoral to the highest degree, and it disturbs and disrupts us all and please pay attention to how many people break up their relationship based on the money crisis. It's far reaching. Well, here's the overview, the overview of the money system as we know it. Money creation without coverage leads to currency devaluation and inflation is theft. That is the first offense. The interest charge creates an infinitely shortage, it leads to slavery and global misery. We are all fighting. Fractional reserve banking results in an interest yield of 40 to 45%. And this Global Casino, which we've discussed already, leads to losses on savings, taxes, and pension funds. It is not a coincidence that we all have a Citizen, Slavery, uh... Service Number. Yes, really, wake up! They show it constantly to your face! It drains us entirely!
  277.  
  278. The Government. The actual interest spending of the Government. That's 13 billion EUR per year. This is a small sample of a 30-year review, it's just statistics from the Government, from 1982 to 2012. An average of 13 billion EUR per year is paid to individuals, private banks on the national debt. This is tax money from the rest of us. And when you hear, on one side, that they, no matter what they promise, need to cut 6 billion, 8 billion each year and that things have come this far that rules are removed so that the elderly aren't washed every day anymore, no need for it, let them rot for the benefit of cutting costs, how we are all in scarcity, that we're not protected anymore, treated in inhumane ways, while here 13 billion is paid each year. For nothing... Stop this! And have a look at all you can do with that kind of money. Keep this 13 billion in mind, because in the second part we'll bring Joyful news and this sum will resurface.
  279.  
  280. You can also see the consequences here. These are again data from 2014. This is completely different and not so nice. But in any case, you'll find here a total of 914.000 unemployed, living from unemployment benefit. These benefits have been cut down, people who are unable to work, well, here you have a club of almost 2 million. 604.000 children living in poverty, that's 1 out of 7! And this is really not about not having an iPad anymore, or the newest toys. No, we are talking here about the fastest growing group in Holland. Foodbanks aid have now become the most successful enterprise in Holland. That's what it's all about: hunger. We are talking here about children and hunger. 2,5 million people are now already living in hunger, in poverty. That's really 1 out of 7! Here within this room there could be some of those present. 1,4 million home-owners are in peril. This means that they bought a house for 300.000 EUR in the good times, and now, that same house has only a value of 240.000 so, if they sell it now, they remain with a debt of 60.000 and they own absolutely nothing anymore. That's what it means "being in peril"; 1,4 million proprietors.
  281.  
  282. If you have - let's say - followed this complete story, more or less, then you might be wondering who is going to see a turn of the tide... Because we are going to the polls every 4 years, we arrange a lot with the banks and we try of course to keep up with everything, but is it the banks who are going to solve everything, the Government or we, ourselves? That's the real question. I came up with an answer, myself, so I am going to continue with it. If you'll find another solution, very good, but I think that the solution is present within ourselves. You see, I think that WE are the change. You see, I'm convinced that we'll have to stand up out of the liberation, we all went through. Just like the rebel did 2000 years ago, that's our example. I succeeded by doing it.
  283.  
  284. But, what kind of people are we really? Who are we, the people? First at birth, everybody is full of Joy. We discover that our eyes are all different. Nobody has the same eyes. We discover that our fingerprint is different. We discover that our heartresonance is different. We are pretty unique. All of us. The system acknowledges this too. We've received identification systems, biometric profiles are set up, even with chips and the works. But, there is something else. We are very happy with the birth of a child and we run - mandatory as it is by law - to the Town Hall ...ah... I am the daddy or the mummy and this is the name, born at that time, all parts present ... Tick Tick Tick ... Would you please sign here? ...Bang! Half a million made and the boss of a birth-contract. From that moment on the State of The Netherlands can immediately claim, 500.000 EUR, based on that birth-contract! The new-born ensures the national debt. In America, birth certificates are even traded on the Stock Exchange, then you absolutely don't know what will happen to you. But as a new-born child, you get just like that - bang! - 500.000 EUR as caution money on your neck. What is calculated in fact, is that during your working life, you produce as direct and indirect taxes and contributions the average sum of about half a million. So, we can't make it easier, can we? Hence the free Citizen's Service Number. That's what's going on. We got to get rid of this.
  285.  
  286. We too are the foundation. And if you are lucky, you grow up with a loving daddy and mummy, who want the best for their little child. So, they, the dad and mam are really the foundation of the future. Because the little born is the future. And they follow the programme, unknowingly better. You see, it's the programme that causes you to give education to your child, gives it those studies that match best within that society in order to make progress as much as possible in the monkey tree. Because, from the moment you have had an higher education and succeeded with a student loan of 40 to 50.000 EUR, entered the market and found the best possible job with your credentials, you also get paid well. And that is very interesting. Because, apart from your student loan, you can also negotiate a high mortgage or another debt at ... the bank. That's what it's all about all the time. They prepare you for the banks, the banking systems and you will bleed for that all life long, via the taxing system, the interest, the mortgages ... and so on. We are simply and really the money spinners, the milk cows.
  287.  
  288. Please, pay attention to this gentleman, this loving father. Perhaps you know him? You see, we are also the change. And Nick (Vujicic) really demonstrates this. Nick was apparently also in Holland, I discovered him once through YouTube. This is not photo shopped! Nick really has no legs, no arms, he carries a flap and must possess a good working tool between his legs, he would not have children otherwise. But do not think now that Nick had an easy life. Nick has been teased, has been bullied, has been tormented, he wanted to commit suicide. He couldn't cope with this world. Because he was not a normal person. But Nick succeeded. Nick discovered what's really important, who we really are. He discovered, what I call, in which I believe, the all-encompassing creator. It's from this inspiration that he began to do manifestations, to give lectures worldwide, in halls like this one, but also in football stadia. And he is motivating and inspiring people to have a look at our possibilities and to stop focusing on everything that is impossible, these difficulties, that half empty glass, all these conditions, all that fear. He is talking about liberation and standing up, get up and do something. This man earns a lot of money doing these lectures, but only uses a small part for his family, for his own necessities of life. The rest is invested worldwide in all kind of people, who want to ameliorate their life as entrepreneurs, who really want to stand for their own blueprint. We all have a blueprint. If this man is able to do this, invest that kind of money worldwide, helping that many people in his condition, what might we than be capable of?
  289.  
  290. We've got arms, we've got legs, we've got so much. You see, everybody got his unique talents, his characteristics. These are very often the things that make you happy, the things you like to do, these are easy for you. We are the change. Nobody else. Why than is this world such a heap of rubble? This is not caused by "bad" people, that is more positive than expected. That group is not that big. Here's what it's all about: it's the "good" people who do so little. That's what it's all about. That's why we have this situation. We must stand up!
  291.  
  292. We have to start a movement. We must dare to embrace one another, to become brothers and sisters again. That's the gist of it. Isn't it outrageous: you would hug your blood brother or sister - and that's okay - but not the fellow man next to them? What kind of nonsense is this? we are divided. The Christian world is divided likewise, the complete denomination of it and I don't have a clue how many we are, this is "divide and rule". The whole world is divide and rule. That is utterly unnecessary, the moment we realize who we are. We are going to stand up, to connect. You see, we can help each other. I participated in so many projects the last 20 years, as a social community entrepreneur. Conny knows a little bit of it, that I came to Holland from Portugal and started to transform empty offices into domestic units. Affordable housing for each other. We've set that up with a workforce of 1000, all volunteers. We were all fully motivated. These were people with left hands only when they started. They became fully qualified workers 6 months later, capable to deal with any office in Holland. We all can achieve anything. This is not only possible when the dikes break through or when war rages. We can lift up each other. Every day! Stop that fear, disappear, get away! We can lift up each other. Paul and Carla...
  293.  
  294.  
  295. Carla van der Veldt:
  296.  
  297. We can lift up each other. Let me into your heart. Don't leave the doors locked. Unlock the bolt on your soul. I won't turn away from you... Feeling together, play together, share together one's fantasies. Stand together, walk together. Pray together.
  298.  
  299.  
  300. Paul and Carla van der Veldt:
  301.  
  302. And hope together. Black together and white together. One in spirit and one the heart.
  303.  
  304.  
  305. *****
  306.  
  307.  
  308. Song: Jij tilt mij op (You lift me up)
  309.  
  310.  
  311. When I am down and, oh my soul, so weary
  312. When troubles come, and the road is hard to see
  313. Then I am still and wait here in the silence
  314. Until you come and sit a while with me
  315. When in my dreams the colours are all fading
  316. And in my heart the music fails to play
  317. Then there is you to lighten up my sadness
  318. And paint the gladness back into my day
  319. You lift me up, so I can keep on walking
  320. You lift me up, so I can learn to stand
  321. Through your ears I'll hear instead of talking
  322. When you are there my songs will never end
  323.  
  324. (spoken)
  325. Laugh together, cry together?
  326. Fly together, colliding together
  327. Talk together, and sing together
  328. Together in silence, for precious things,
  329. Wise together, and green together
  330. United in thinking, united in action
  331.  
  332. You lift me up to break through my defences
  333. You lift me up to touch all the stars above
  334. Through your heart I recognize my senses
  335. You lift me up so I can learn to love
  336. You lift me up so I can keep believing
  337. You lift me up to strengthen every nerve
  338. On your lap you cradle all my grieving
  339. You lift me up to more than I deserve
  340. You lift me up, so I can keep on living
  341. You lift me up, so I can learn to see
  342. In your hands I dare to be forgiving
  343. You lift me up to more than I can see
  344. You lift me up to more than I can BE
  345.  
  346.  
  347. *****
  348.  
  349.  
  350. (Intermission text)
  351.  
  352.  
  353. UNITED PEOPLE FOUNDATION
  354.  
  355. We are creators.
  356. When we come together,
  357. we have the power to create
  358. whatever future we want.
  359. A Good stewardship of All Life is our goal,
  360. based on the Universal
  361. Declaration of Human Rights.
  362. Unite each other in diversity
  363. by joining B of Joy today.
  364.  
  365.  
  366. *****
  367.  
  368.  
  369. Song: Be The Change
  370.  
  371.  
  372. We keep on waiting
  373. For each other
  374. Mountains too high, rivers too deep
  375. But we are losing one another
  376. Eyes all open, fast asleep
  377. On this earth we have a privilege
  378. Lying in the hands of you
  379. And this fruitful precious diamond
  380. Is that there is something we can do
  381. Be the change
  382. Be the change
  383. Do something before one another
  384. Dare to share
  385. Dare to care
  386. And pay it forward to each other
  387. So the world will rearrange
  388. Be the change
  389. We keep on longing
  390. For a miracle
  391. For someone else who’s standing tall
  392. And for ages living lives in circles
  393. A trace to be the lowest of all
  394. In each soul a bell is ringing
  395. Until it's tearing us apart
  396. And then the heavens will be singing
  397. Because we act straight from the heart
  398. Be the change
  399. Be the change
  400. Do something before one another
  401. Dare to share
  402. Dare to care
  403. And pay it forward to each other
  404. So the world will rearrange
  405. Be the change
  406. Fill the souls with joy and wonder
  407. Embrace the change of being true
  408. Until she'll burst with love so tender
  409. And all you shared returns to you
  410. Be the change
  411. Be the change
  412. Leave the comfort zone behind
  413. Be the change
  414. Be the change
  415. And take the shortage from your mind
  416. Be the change
  417. Be the change
  418. Do something before one another
  419. Dare to share
  420. Dare to care
  421. And pay it forward to each other
  422. So the world will rearrange
  423. Be the change
  424. Be the change
  425.  
  426.  
  427. *****
  428.  
  429.  
  430. Ronald Bernard:
  431.  
  432. After this first part, it will be clear how the world is designed. Just in case it's not clear yet to you, our website will offer you the opportunity to read almost everything over once again, be it in another form. When visiting the homepage, you'll notice a menu button bar at the top. Go to "Why?" Under "Why?" you'll notice the Dutch flag as well as the Union Jack, there are about 10 videos that explain briefly what we have been discussing during the first part. You see, it's very important that you keep this very well in mind and lock it into your heart, how the entire system is put together.
  433.  
  434. In my past life - I briefly talked about it during the break - I was brought back to life, also literally, in the intensive care the first thing I saw was my mother, crying - I really crashed on this earth. At that moment, the real life has come again, so to speak. I didn't care about anything. Nature, I didn't give a damn at all. During my convalescence, which took a couple of years, I've seen fireflies in the dark for the first time, with a friend in Luxembourg. I didn't know that those were fireflies, I saw little spots in the dark over there and she said "Look at it!". I watched in astonishment. Neon lights in the dark, how is it possible? And she said "These are fireflies", and thus I learned to make the connection with nature. And so I started to become aware, from a Darwinistic view - that all things originate from one small cell - of the visible in architecture, the intellect behind nature. This was the start of what eventually would bring me to the study of theology. I started a worldwide survey to see what was really for sale in this world.
  435.  
  436. And so, from within this new life I eventually arrived at a point, as a social-community entrepreneur, that when my wife got pregnant of our first baby and while we were living in the middle of nature in France, that we wanted to create a new future, that looks different from the actual one. We could go and sit on that island, but no, the world moves. And then, I gave her this sole promise - I only once broke a pledge to myself - and that was to never again go and work in the financial systems. But alas, you finally turn back to it, whatever you come up with in this world. You fall back in the financial system anyway. If you follow the money, you get to know everything. And so, my wife said "Well, all the experience from the past, why not use it for good cause?" That idea hadn't crossed my mind at all. So, I think to myself, "Yes, of course" and I have then turned everything for the better.
  437.  
  438. At that time, in agreement with my family, so that we really knew what we would start together, I've begun to design this megaproject. Transformation of the worldwide banking system. And so, we started to write the blueprints of the project, based on our life experience, research looking at what has succeeded in this world. Put all this in a cocktail shaker, add a digital sauce to it and you get a new blueprint for a new banking system. Well, eventually, what came to pass is the design of this simple and small bank. We simply move forward to a cooperative, fairtrade, savings - and investmentbank. Loans will not even be considered. We're simply going to save money and with these savings we just start investing in each other. That's the whole process. It's just in - out, nothing more. From this whole story grew a complete consciousness website: we started to inform people about what we were doing, distributing the blueprints, and this was done with a couple of friends via websites. But, slowly more and more people started to flow in, people were also longing for a change, realizing that the answer was present in the financial system. And so, also bankers could join the group. So, through the years it became a professinal initiative, a citizen's initiative of professionals.
  439.  
  440. And this is now what we call the B of Joy. And with this vehicle, once it's operational and nurtured towards growth, we can enter a healthy economy within 5 years. We already discussed this at the beginning. This means that you are creating a bank without bonuses, without speculations in that Global Casino which spreads all this misery amongst us in fact but also these interest charges and that fractional banking - that upgrading of money and hop hop hop, all that stealing... But we will start with money and a bank as a means to an end, not as a goal anymore. But really in a way that's appropriate. It should serve us, it must be a tool that serves us. With normal allowances for the people working within the organization. They are all volunteers now, but you may not expect everybody to live from the wind. So, for the services you are not willing to perform yourself, you'll have to compensate for them, that is to say normal allowances.
  441.  
  442. What we will do though, when big money is concerned - you cannot arrange a meeting for millions of people for each tenner - is this. For important investments however, such as our investment in new forms of energy, we can start with making decisions about how to spend billions and how we are going to do this. So that we will not fall suddenly back onto nuclear plants soon. So it is really from, for and through the people. We are the change. We've got to make it work together. This can be realized within 5 years, but how? The moment that you create the bank. In the Dutch language and for the Dutch speaking worldwide, this bank is called "De Blije B" or "De Blije Bank", but the international name will the "Bank of Joy". These two vehicles are in fact one, a national and an international one. Inside of it, all the people are gathering, but also all the capital.
  443.  
  444. And that's only the start. This is not the goal. This is a means to an end. For the real goal is to organize a collective movement from within the United People. We found the name a rather accurate one. It's all about uniting people and that is done through cooperations. So you can work in for instance United People Health Care, Energy, but also in clear drinking and irrigation water. Because we think that we in the Netherlands - and this is a fact - have one of the best qualities of drinking water. But if you are reading the annual reports of the Water Purification Companies, the alarm bells are going to ring, because they are only capable of purifying 40, 45% of the water. The rest simply passes through. They need money in order to filter better all the mess that is flowing in. And then, you also read in these reports, that all these substances they have to let through are contaminated with 56 different chemicals, which are carcinogenic. Realizing then that we have one of the best qualities of water. I think we have to work on this problem and this is only one example of the list. We can make it as crazy as we want, but I think it is important that we are going to purify life - we are also made of water - we have to purify it. This is a silent assassin.
  445.  
  446. Preventive health care; we can all be healthy. It's possible. There is so much available in nature, that can cure us completely. The present industry is sickening us, the pharmaceutical industry above all. Biological food, seems self-evident to me. Affordable housing, we already talked about it. It's all about affordable dwellings, there are enough of them. Creating housing units, but they must be affordable. Pure, even free energy, so energy at the input is generating more energy at the output. It is all possible. All these activities will create sufficient employment. We all have to work only 20 hours a week in order to be able to live comfortably in a normal economy. I did it for years in the south and it suits. Education directed at the human potential. It already exists. So, looking at what somebody really has as talents in his blueprint and only effectively stimulate those. On that very moment, if you do this, worldwide, you'll realize the dream, you'll constitute a body. And this must be familiar to most of you, who form that body. It happens to be just like (as) every little cell in your body, the way you are built. That way, you can build a complete world community. We all complement each other, just as the body does. That's also written in the Bible, by the way.
  447.  
  448. Innovation, products and services. Holland is full of it, the whole world is full of it. Everything is present on earth, but there is insufficient investment in it. Apart from some remarkable exceptions. For instance, there was that boy from Delft. He developed a filter to purify the oceans. The oceans are completely contaminated with plastics, small particles of plastics, constantly breaking down in even smaller parts. The boy invented a tool capable to filter out all of these plastics and creating new products out of them. Fortunately, they invested in this idea, but this is a rare exception. If we are all going to work together in that sense, there will be peace on earth within 5 years. So, this is the way to realize all this. The objective behind all this is a good stewardship of all life. We have founded this on the Universal Declaraton of Human Rights. These are 30 articles written after the Second World war ... indeed, never again, we will do things differently from now on. They wrote down 30 simple rules, about the right of anyone to have clothing, food, a roof over the head, ... I invite you to read them ... Just 30 simple rules, capable of transforming life on earth for all the people. We applied them, because a large amount of people ... for yes, a good stewardship of all life, what does it really mean?
  449.  
  450. If you read the Holy Scriptures and you make a summary, for instance of the Old and the New Testament and you make this summary, you will arrive at these kind of things: all-encompassing love, love one's neighbour as you love yourself, hey, we've got the planet on loan. Shouldn't we begin to take care of it? It has all been given to us. So, a good management of life is in fact a primary objective in this story. But the higher goal in this is a just society and a healthy, interrelated humane economy. Humane is an other world for affectionate. I don't wear socks made of goatwool, so; I've placed "humane" in there. Yes, anybody can accept this notion. This time it's just about love and then it's getting serious. Especially in the group. In bed with your partner, that's okay, but outside that zone, ouch, ouch, ouch! But that's what this is all about, doesn't it? This is the highest commandment, Love! Why don't we practice it? This can be incorporated in your economy.
  451.  
  452. An example of a very large investment: this is the Sahara. If you fill out this case with solar panels, you could provide the whole of Germany with electricity, with the second case the whole EU and with the third the whole world. Non stop. The sun delivers that much energy in one hour, you could run a complete year on it. It can be done. There is already a cable being placed between Morocco and Spain. The electricity providers are already in the running to do this. So, if we don't do this, the multinationals will.
  453.  
  454. This is the slide. In 2012 there was a need of 135 billion to eradicate poverty from the world. But no, we've spent 13 times that amount on wars. 13 times for waging wars! We are not at the controls. We do not manage the money. If we do this, we are mad. Go for your fellow man! It's 13 times less expensive and there is no mess. Madness! There are already examples on what to do as cooperative fairtraders. These are not fabrications, like oooh, I'm just concocting something, no, we analysed what's already available. We collected the good things on earth. In 1956 the Cooperation Mondragon was founded in the Basque Country. This is a community which developed a new economy, a new society. In the meantime, they are the 7th largest enterprise in Spain, with establishments all over the world. This is a cooperative from, for and through the people, they only know prosperity. They run their own businesses. They are not bothered by a crisis whatsoever. From that concept has Marinaleda originated in the vicinity of Sevilla. We've got a YouTube channel at the "De Blije B". In there you can find that kind of videos to show you how it all works in daily practice. Amongst us, at the B of Joy movement, you can read about the 12 points of change. They are very much a reflection on this kind of systems, demonstrating how you, all together, within 5 years, change the whole venue.
  455.  
  456. In 5 years towards a healthy economy. It can be done in Holland. This is a slide of an annual budget, the balance so to speak of the government. This is an indication. It's not specifically for that year. It is just to let you see about the 13 we were talking about earlier. So, you have 244 billion of income and 257 billion of expenses. The moment you get rid of those 13 billion of interest on the public debt - in this example it turns out to be equal, it comes into balance but because abolishing the interest is influencing the remaining part of your economy - think about those 40-45% - you will automatically get a release of the financial burden on this side, because this hidden interest is disappearing everywhere. Everything will be cheaper. If all this is becoming cheaper, you also can introduce a release of the taxes on all the products you wanted to be paid for. Slowly this will go down as in communicating vessels. And the moment you arrive at a level of 200 billion, and thus decreasing from 244 to 200 billion, that's the reduction, then we can abolish the VAT. This VAT, these 21%, we are so familiar with and pay on every product we buy, can be abolished. We will replace it with a transaction tax of 10%. The VAT is thus replaced with a transaction tax. So, oh, everybody will be saying "no change", because this is calling for fear. But if you say, it's now only 10%, ... oh! Look, that makes a profit of 11%, we can buy that. We are used to pay it, but, now, we are paying less. From the moment you can arrange this - and this has been heavily and thoroughly calculated by the economist of our team, who once where on the other side and worked for the government, in order to steal from us. These economists are now busy with these kind of things how - let's say - to turn this around.
  457.  
  458. If you introduce a transaction tax of 10% on the 200 billion, you will be able to pay anything you want, what is paid by the society. Moreover, on this level you will also be able to abolish the taxes on wages/salaries. These 10% will cover all costs, they take care of the abolishment of the VAT and the tax on wages/salaries. So, all these reductions, all these releases, provide for this - you can calculate this - that you enter that level within 5 years and thus towards a healthy economy. So that we will only pay for those things that we really want in our society. Because we cannot do everything by ourselves, we will also have to pay for things. In this way, you will be able to develop a new banking system within 5 years, a new movement, supported by all of us, a new economy, that happens to be healthy. Now, this story has been well understood through the years, I already told you that there is inflow of people. Here you can see a certain number of people who made themselves known to the public, also on the website, who are so to speak standing in the line of fire and they are saying "Well, come on, shoot me down". It does not bother me, I am standing here as I am. It has become an initiative of citizens and professionals and... in the meantime it has grown that big in a couple years and they all are volunteers. So, Paul and Carla and myself, all those participating are volunteers. And all this besides the regular job, studies, one's own enterprise. It all comes from the heart. All that didn't come from the heart is gone.
  459.  
  460. It's a process of selection. But in the meantime it has come to pass that this manifestation is represented in four countries. It has the support of more than 4600 people in these four countries and it's not a small affair anymore. It's getting bigger and bigger. It is growing steadily. The difficult times are gone now. In a period of 4,5 years, from the initial idea and "We're going to act on it finally", there has been a grow and all these volunteers together - and the list has to be updated as of since last year - but at that moment already some 18.000 hours of labour have been invested by the volunteer team. Also because sometimes volunteers and investors are asking us, "Yes, what are you doing yourselves?" because they want to come with a bag of money and they are thinking "Well, we're going to take part in it". We have created a value of EUR 1.250.000. That's the kind of value already present. Value, we are in fact value. And thus this has already been realised.
  461.  
  462. The STRO Foundation is specialised in alternative barter systems, banking systems, they have already experience with this, worldwide with thousands of local barter systems. They have Cyclos, a software, a banking software, that is to say a bookkeeping program with which they won a first price in 2014, worldwide, for the best innovative banking software at that moment. Meanwhile, this software package has been acquired also by regular banks and so we own the best innovative banking software of 2014 offered freely in our crib. By the way, private persons can download a simplified version via the Foundation STRO, because they also have a less elaborated version. It is very important that your banking software is okay. We are living in the digital era, you have to be able to administer. We must be able to follow.
  463.  
  464. A little break now for our heads. This is, you see, about the fact that we all are thinking in a certain conditioned way about money. I managed to knock this together based on a YouTube footage inspiration. The story I'm giving you invites you to think, to think in another way, to let expand your consciousness. I happen to arrive on an island with EUR 100. I had done a bit of googling, I like to go on holiday over there and I found that this is the best hotel of the island and I'm going to that place. Arriving at the hotel and meeting the hotelkeeper, I said "Hello, I googled your hotel and I am on vacation here. You are the best hotel and for tonight I wish to book a room here, allow me to pay a deposit of EUR 100, as to make a reservation, because I'd like to look around on the island just to see if it is really true that you own the best hotel of the island, the best rooms." "Yes, of course, it is the best, so, please do!" So, I put the EUR 100 on the desk and I say "Well, thank you, cheerio, I'll spend the afternoon here looking around in the other hotels to check if what you say is really true."
  465.  
  466. I've just left away and the hotelkeeper grasps the EUR 100 and runs right to the baker on that very moment. For he still had a debt of EUR 100 at the baker and because he knows, yes, the best hotel is mine, and that deposit, I'll take it, he will come back, so the hotelkeeper is paying his debt to the baker. So, the delivery of new rolls is guaranteed. But that baker too, who doesn't like to cook after a whole day spending in food, is going to eat in a restaurant every evening. And that's what he did on credit. This is Greece here. And what happens, with the EUR 100 he got from the hotelkeeper, he runs to the restaurant. He says "Hello, I'll be back for dinner tonight, my debts, here ..., all cleared." "Yes, very good." But this restaurant owner too, had debts to the butcher, so he's running with the EUR 100 to that butcher and pays his debts, so that he once again gets sausages for his restaurant. Well, now that we are talking about matters of the flesh. That butcher had a peculiar kind of hobby; every now and then he went to see a public woman. But there too, he owed 100 EUR. He wasn't welcome anymore. So, he's running to that woman and says "Darling, darling, darling, I have good news, may I come back again?" "Yes, of course, come back this week, please do, thank you!". She's now running high-speed to the hotel, first class, because meanwhile she's working in the streets, while she normally rents a room in the best hotel! So, she's going to pay her debt of EUR 100 to the hotel and says "Hey, that room is mine again" and "Yes, sure, everybody's happy" and hop, there goes these EUR 100 again on the desk of the best hotel. When I get back that evening, and yes, I'm not able to explain everything and I say "Yes, you might have the best hotel, but just around the corner, I have discovered another hotel, a little shabby, but the view in my room, with that terrace, looking at the sea and the sun set is so magnificent, that I'm taking the little room anyhow, because it's just perfect over there. Would you approve of returning my deposit to me?" - "Of course, yes, here they are, please, here is your EUR 100!" And I'm leaving with these EUR 100 and there is no money anymore. But everybody is free of debts. And there is no money. Everybody is free of debts.
  467.  
  468. You're feeling something? Something is going wrong inside your head. This is the conditioning. But that's how money works. Money is a means of exchange, aimed at the exchange of our energy, it's temporary, because we trust it. But, please, try to get this to the bottom of it. I made this slide, but I must confess that I had to think this over four times, in order to understand it myself. The penny must drop eventually. It's not that easy. It's an indication about our conditioning and the way we think about money. Feel about money. However, if you are able to begin to grasp this, because it's possible, this is indeed the reality, then you will be able to understand the remaining part. That's why you received this note. That's all part of the software program, that's so intelligent, so innovative, that we can create a link. In fact, you've got to go from an old world to a new one. You can't make the jump in one time. You have to look for a link originating from the old world and begin to function as a bridge, a transition. This means that you can make one URA out of one EURO. And that URA can again be exchanged for one ALPHA, because Alphen upon the Rine is running now already with success on a local economy with 40 storekeepers and lots of private persons using that regular money. In a digital or cash form, I've got them at home. They look as much secured as the EURO bank notes, with a silver lining and all the rest!
  469.  
  470. We have the right to create our own local money. That's what's happening in Holland too. The MAKIE in Amsterdam, the BATA in Nijmegen. Yes, if you google this topic, you'll find out that there are already many local economies developing. But, it's not yet acknowledging each other, just as in Christianity and anywhere else. The motto is "Divide and rule". Bridging function. Umbrella. Link it all together, one on one and everybody will start to trade with each other. That way you are stimulating local economies, in which you can invest money based on our values. We are the values. I know, it's a bit tough, but we can do it. We have to invest in the SMEs. All studies in Europe show that 90% of the SME is the motor. That's the economy. That's where we are living on, together. These are the enterprises we are living from. So these are the enterprises with one up to 100 employees. 90% of the economy is running on them, it's now going to destruction. They don't get any financing any more. I mean, it's about a house-painter. A painter has just bought some paint and is painting a house, he's also waiting with his invoice at hand for money, gets his next job, doesn't have the cash, but has to buy new paint. Who is going to do the job now? We are! Our society. We are going to help an entrepreneur in this way. That's how you stimulate local economies.
  471.  
  472. Now we are touching the heart of the Bank of Joy. We've just discussed that EURO, that can be converted into URA. The moment the URA will be present, we can spit out the EURO temporarily. If the money arrives into our member's circuit, in our Banking system, we can convert it into digital and cash money. Never give up the cash money. I know, they are pushing hard worldwide to banish cash money. Pin, pin, pin, oh it's so easy. I could tell lots of stories now of examples of countries. In Denmark, for instance, there is no obligation anymore to accept cash money. In France, you are liable to punishment if you have more than 1000 EUR in your pocket, you're a terrorist or a criminal. There are a lot of limitations being implemented. The 500 EUR banknote is already gone. They are trying very hard to create full control over us and that's possible when you take out cash. This is our last piece of freedom: never give it up! So, one side creates a cashless existence and we simply create cash again. We just choose the opposite way. With that we're going to save co-operatively. And with those savings, we are going to invest in each other. So, we already discussed this: a local investment collective. We also discussed the SMEs, the motor.
  473.  
  474. Rests another topic and that's the acquisition. The acquisition, we're talking here about 10.000 members, because that's with how many we want to start, and they are all buying a product together. I did this twice in a collective of 5.000 people abroad. Once in a project in Portugal and once in France. 5.000 people. In Portugal, we asked an insurance company "We are a group of 5.000 people and we like to take out insurances covering medical, car and dental risks". Three in one that was. "How much is the cost per person for 5.000 members?" Well, it took some time. It was a bargain European Insurance, so ... a mix. But then we received a letter stating the price of 220 EUR per person ...per year. We thought, that's impossible, there must be a typing error somewhere. So, we contacted them again and, yes, eventually I enjoyed a premium per year of 220 EUR for a first class insurance. That's the way this worked in every day practice: if you have a trouble with your car somewhere, Eurotrouble, hop, towed away for free... dental problems ... you name it! I could arrange my things for an apple and an egg. Then we thought, let's try the same thing in France. Well, well, over there it was more expensive. There the price was 660 EUR per person. Well, compared to the prices you pay in Holland, this was still a bargain.
  475.  
  476. So, we like to do the same thing here in Holland. Because the European Insurances want to break this monopolistic, protectionist country. So, if we find enough coverage, 10.000 members, then we'll ask again: "How much does it cost?". And just in case it's not going to succeed in Holland, all complicated, let's in any case, at the end of the song, again be able to save 400 Euro in a year, on the insurance premiums, with a good quality for the lowest price. Suppose that this will succeed. Rather negative, but this will succeed: 400 EURO. If you then have a membership for 24 EURO, because that's what all this is going to cost you to be a member of this bank: you get a bankcard, you get everything and you can also participate in the acquisition collective, where you save 400 EURO, then you will not only get idealists, you also get the Dutch salesman, who says "That's fine. I'll join that hippy club and I'll save 375 EURO!" Then, you'll get dynamics and everybody is keen on such a thing. Because one will tell this to one other "How do you manage that, you pay less, tell me about it..." It's simple, 24 EUR and hop, hop ... and you also get a bankcard and you can participate in this and that and so on with your own money and they can also engage in banking activities, mobile internet, pin and they also have a web-shop, a business guide and a market place for the members. In other words the members can negotiate with each other about anything concerning demand and supply, but they also can open a hatch if they want to do so - that's all included in the software - and communicate with the world about demand and supply. So, you'll get an enormous dynamic process within the 10.000 members, solely based on the advantages within reach. For do not think that people join the club out of sheer idealism, for the good cause and for a better life. They come for the rock-hard profits. For that's where we're all been hit the hardest. And the moment you make the link again with the wallet, trust will be restored.
  477.  
  478. From this story, which will eventually grow into a multinational, just like the Mondragon, will arrive from within the big numbers, also profits and these profits, when you're a shareholder, will result in a yearly allowance. Out of all this we can decide - if the profits will not yet be impressive - when that profit reaches perhaps 1000 EUR a year, to keep 900 EUR comfortably for ourselves and save the remaining 100 EUR in a general fund. That fund will be available for the less lucky members. Elderly people, who again will receive reduced Old Age Pensions. But you can also think about the young ones, students. You can also think of those people losing their job. We can do something in the social domain again, saying "Well, give me 100 EURO less profit". And because of the large group of people taking 100 EURO less profit, you get a considerable fund, creating thus some sort of basic income, a support for the less fortunate in the group. If it is really growing big, a multinational, if it becomes nationwide, then the money will accumulate in such ridiculous high sums, that you can offer everybody, out of this annual yield, a very large basic income, because this is coming out of the numbers. That's a healthy form of payment in this way, now going only to a few individuals, because now some happy few get all the cash out of a multinational. And that's what we are going to benefit from all together.
  479.  
  480. That's how you create the dynamics, in this way you create the possibility that everybody can live together in wellbeing, in this abundance. There are a lot more possibilities, extra possibilities, that is - we already discussed Bail-out and Bail-in. We wrote the Bail-free program in 2012 and "they" were also not very happy with this, because we anticipated what was going to happen and eventually was arranged by law in 2016. And that's the fact that the 100.000 EUR are declared as being outlawed. We developed a protection program, simply based on the elite system. The Oranges for instance, keep their capital in Guernsey, well, we can do the same, but we will do it all from without the group, from without the old expertise. So, that's what we have done. Out of all this we developed the Bail-free product. The only thing we offered, to protect all these saving, which are outlawed now, is the fact that part of this capital will be frozen for a minimum of 5 years. On 100.000 EURO this is 20%. So, what's the use of keeping all that money, if you do not use it? We want to help the society. So, 20% of 100.000 EURO are fixed for 5 years, just as it used to be with saving in the old days and this is giving us a chance and here again is the slide, demonstrating all this is possible. As a matter of fact, there are clients flowing in since last year, clients who bring in their money in excess of 100.000 EURO via this Bail-free tool. So, already we are by now in the asset-management, while we're not a bank yet. And a small part of that money, those 20%, allows us to invest, be it prudently and slowly, in that kind of enterprises. For this has a direct effect on people. That's what this is all about.
  481.  
  482. So, we can tell them "Your money is really doing something beneficial. Look, that's what's going on." That's this program. Mortgages will be abolished. They will be replaced by lease contracts with a rate of return for savings. You cannot expect from everybody, that he will say "Oh, you do whatever you want with my money, I don't need the profits." People owning savings want something in return. That's how they are programmed. You cannot expect that people with savings will arrive wanting nothing in return. So, they will get a rate of return, this is not legally enforcable. If you have a mortgage of 100.000 EURO, no, sorry, a mortgage of 230.000 EURO, during 30 years you can save up to 100.000 EURO. So, a house that has a worth of 230.000 EURO now, on contract, can be converted into this system, a lease contract, and in that way you can save 100.000 EURO in 30 years. It's not sanctifying, but it's a lot of money though, which can be spent otherwise. This is a beginning.
  483.  
  484. What's also very important is the co-ownership within the bank. Whether you are involved in the bank with 1 million or with 100 EURO, everybody has one voice that is equal. And that's necessary because from this you derive a democratic principle with the right for a referendum. For it always kicks off in a good way with humanity, despite its strong foundation, there is always some form of tendency involved, aiming at destroying everything or doing something different. So, by means of this right of a referendum one is able to intervene with the group. Because, suppose somebody is saying "Yes, these solar panels, the profits aren't that impressive, let's go for nuclear energy!" At that moment you should be able to intervene. You have to maintain integrity within that part which was or is pure. So, it's very important that you do this. Switzerland is acting in the same way. This is in some perspective the Swiss model. And eventually, you can also read this on our website, under "Products", there you can see the URA, in phase 3, phase 1, phase 2, phase 3, in phase 3 we will abolish the creation of money on the basis of debt contracts. We move towards contracts based on the Hours of Labour, because we ourselves represent the only real sustainable value.
  485.  
  486. Our labour will remain the same over 10 years, 100 years from now. And it's what you can see. If a painter is concluding a contract, a labour contract with a house-owner, then, there is a mutual promise about what the painter is going to deliver and what the owner is going to pay. On this very moment they both create money, based upon our own value. That's what we are going to do. This is a completely different model. Well, the only thing which I'll have to do now is to explain one thing about all this, that is, when abolishing all these interests and knowing well that the people want to make some profit on their savings, then this is possible based on rate of return. And here I gave you the example of the vegetable garden, because everybody is familiar with it, via friends or having a garden oneself. That's the fact that if you invest Hours of Labour in a vegetable garden aided by the nature elements, you will get a harvest at a certain moment. At the beginning, this is fun. "Oh, delicious food!" and then there is something more and then you begin to think "Well, this is getting too much. I'm going to deep-freeze it". And then it's getting even more, you are going to preserve it and at a given moment you think "The whole garden is exploding! What can I do with all this?". Then you are completely stuffed yourself, you are in full supply now and that garden, it grows on and on. This is the time of rate of return. That's the rate of return. That's when you can share. That neighbor, you never talked to, you can surprise him with a big bag full of veggies "Hey neighbor, you don't have to go to the market, look here!" But you can also sell it, you can sell it, that's your profit. This is creating rate of return based on natural growth.
  487.  
  488. Interest is legally enforceable. If you are not able to pay it, they cut off your throat and they will throw you and your family out in the street in a cardboard box. That's what it is: legal interest. You got to get rid of this. You can only get a rate of return if there is one! Solar panels, same example. In Holland there are residential areas completely equipped with solar panels. In 6 or 7 years the initial investments are paid back and the owners collect their profit during 22 years. Well, that's a rate of return. As long as the sun is shining - and it continues hanging there for the time being - you know for sure that you will receive a rate of return. That's simply a golden trade. Natural growth. The nature elements help us, creation helps us to realize it all. It's all there. We do not use it.
  489.  
  490. The kind of rates of return concern more than sheer money. And the starting point, you can see it down here, is a transitional rate of return. That's what we have done tonight. That's when consciousness really grows and opens up, when the world begins to change for you, then the consciousness is going to select a favourable monetary system in a natural way. And then what happens, we arrive in the aspect which we just explained: a sound stability of values based on natural growth. And then you still have that link to the EURO, with that inflation and thus devaluation. If you have a 4% rate of return from the sun and you've got an inflation of 2.5% theft, you still hold 1.5%. You are in a transition period. It costs money, it's not perfect, but at least you have a stability and a consistency of value instead of a devaluation. If you manage to create order in your finances, you'll get less stress. And if we then decide to invest in clarity, in planet Earth, to really go for a good stewardship of life, as for example with the plastics in the oceans, you name it, then you'll find peace of mind in your environment, in your life. It's going in the right direction.
  491.  
  492. This has positive effects on your emotions. It's a feel good story. If you don't have stress in finances and less worries about your environment, you'll be stronger, emotionally. And the moment you feel better, emotionally, you can also create the connection, engage in the real connection with each other. And also with yourself. Because we are also devalued. Our self-respect isn't that much anymore. Which one of you has learned to love yourself? I didn't! This goes much further. It goes very deep. The financial system is in fact also working inside. The moment you begin to experience all this, confidence will grow likewise. For we are working together as entrepreneurs. we begin to have fun doing all this. I'm just talking here from experience and in the end that's creating more Joy, for life smiles at us again. If this happens you'll notice the effect in your environment. They notice the changes. So, in that social aspect, solidarity is returning and consequently also the openness to a real renovation. Because once you get addicted to this, you do not want anything else anymore. I'm working on this already for 20 years. It doesn't stop. It's real fun and it's so easy, but the masses they have to participate. But, okay, that's what we are working on right now.
  493.  
  494. And if you understand all this and experience it, also the social impact, then you fall back on the transitional again too. Once you assimilate all this into your system and once you begin to like it and discover who we really are as brothers and sisters, as co-creators... Then we can set up a big party here on Earth. And that was the objective from the start! For we are now liberated, it's all over, it's all over a long time ago. Debt is gone. At First the Church talked to us of our guilt, then the banks. They are lies. We are free. We are free! The only thing we have to do this is to go for it. That's a choice. We have to begin to make a choice. And if you read this from top to bottom, you will see what's going to happen here on Earth: it's going to be a F E A S T. That's why it's called Joy.
  495.  
  496. Well, in order to live this complete story, it's a good thing, in the old system, to confirm yourself to that old system. And it's just like driving a car. You'll be able to drive your car as you will, Nicky Lauda on the road, totally fine. But to arrest such a Beguine with a driving licence, then you are looking for troubles. It stops here! It's the same story with the banking system. Do not think that this was an easy going endless trip. We went through a lot that didn't intend this to happen at all. But finally it's now so big, that it has exploded and impossible to bring to a halt, just like the vegetables garden. So, we began to look into how to get that banking licence, that driving licence. Well, in Holland it's very difficult. It's quite locked. There have been only a few initiatives in the last 30 years, such as TRIODOS and DSB, who managed to get the licence. So, we've started to explore the world. And where then? Inside the EU? Outside the EU? In Europe? And then we discovered that the Old British Empire had a great banking system, which was very accessible. And here you can see some examples of the Old British Empire, of the City of London, of Guernsey (Orange City), Jersey, the Isle of Man, Malta, that's still part of the old banking system. And so there's Gibraltar and Liechtenstein, well, you name them. There are a lot of places in Europe, where you can get a banking licence in a decent way and the good thing is, that you can make use via all the existing Treaties, of your EU passport for banking-licences, and once you have your Head Office in Europe, you can simply join the EU, we discovered this following the actions of the East European countries. A lot of these countries joined the EU and they began their East European banking by creating an office - bang! - in Amsterdam. We asked ourselves "What's this all about!? For do not think it is all kosher.
  497.  
  498. And all this was made possible via an exemption rule, for their Head Office in Poland remains under the same superintendent. That could be a brother and sister helping their uncle. It doesn't matter. They are under the supervision of their homeland and they receive complete dispensation in order to do their banking business. Well, we say "That's fine!" so we enter Holland again, via the backdoor, and via this system. It didn't work out via the front door, the backdoor worked and so we were able to tackle this nasty problem, so that we can apply for a banking licence. Last year, we eventually started with presenting lectures. First in Holland. Later, also Belgium was added, it grew bigger and as a result we see the increase in the number of people that are going to participate. It's being carried further increasingly, not only due to lectures, but also through interviews and from there we notice an acceleration, it's not yet going very, very fast, but what we do see now is that it's about time to get busy with the application for a banking license. For that too is a lot of work. And this is because we see how this continues to grow, for out of all this it shows that at least 20% of the people who attend the lectures or hear an interview, decide to participate.
  499.  
  500. This seems to be a very large number in the world of interviews and lectures. But that's something I don't know, that's told to us by the professionals. But what we still need and that's the only thing we do not have managed yet: that's a starting capital. Within the procedures for a banking licence we meet the criteria for the software, we've got an over-qualification of staff, the insurances, everything necessary for the licence is there, it's there, except the starting capital. You might say, if you want to open an egg shop and if you do not have eggs you won't sell anything. You simply need a working capital, a starting capital. That's one of the conditions. That's what we're doing right now, by awakening the people. We've calculated, within the Old British Empire - for it's in Pound Sterling - that it's between 1.2 and 1.5 million EURO that we need and bring up together, in order to measure up to that last condition, to really present the request for that banking licence, to apply for it. Well, what do we need then in order to realize it together? I mean, the tools are there to create the complete transition worldwide, but, you know, this must be a co-operative effort, otherwise it won't work.
  501.  
  502. So, we calculated that we need 10.000 member certificates, real co-owners and that's not only to obtain the banking licence it's also a matter of reliability. For you can also become a co-owner for 100 EUR, but the average amount coming in is 220 EURO. So, if you have 10.000 members times 220 we easily reach the finish with a starting capital of 2 - 2.2 million with flying colours. This means we are well over the finish. But it's also fact that 10.000 members times 24 EURO membership fee describe to us a quarter of a million of income, to facilitate that shop, that internet bank. For this bank has of course also recurring expenses. So, we have set aside a reservation of 20.000 EURO per month in order to cover the recurring expenses, to pay a certain number of collaborators, the internet bank, the licence, the whole little shop. So, in this way we always manage to ensure without us having to jump through hoops, that this vehicle remains operational because we pay our member-fee. Now you can check what the banks are cashing in, for bankcards only cost a few pennies. That's not relevant.
  503.  
  504. So this is the picture of what is needed. But there are also people who say "Oh, oh, 100 EURO that's quite a fortune to me, I can't afford this, but I'm willing to participate". It's also possible that somebody says "Hey, once a year I'm not going with my family or with my friends to the snackbar! Once a year we won't do it". Then we save 25 EURO and we participate as supporter. And if we manage to have 40.000 supporters we also arrive at the finish, 1 million. But there are also people who say "No, no, absolutely no money, it doesn't suit me, but I can bring in my own value!" Volunteer. "JOIN US". There's the website. If you google "The B of Joy" or "The Bank of Joy" or something similar, you'll always find us and on our website there is that green button "JOIN US", on the entire website you'll find it 26 times, in fact, where ever you navigate, yes, ... that button is always there. And should it tickle you at some point "I'm going to do it anyway", "CLICK" and you simply can choose, all the possibilities are there and the rest is self-explaining. So, that's how you can participate. In this case, as we saw today, you can change the world with 100 EURO!
  505.  
  506. In fact, that's too crazy for words. But that's the impact you can have. It's a unique opportunity to change the world for the better. Because, you know, everything has been given, the aim is reached and what I wanted was a real possibility of choice. I just wanted this change to really become manifest. And why? I have the future inside my home, I have children. And this has grown. Meanwhile, I'm concerned about all the children on this planet and to every child I meet, after all I've done, I want to be able to say, looking straight into the eyes of every child ... "My little child, I've done everything, everything! Everything to make your world a better place ... and it's going to happen."
  507.  
  508.  
  509. *****
  510.  
  511.  
  512. Song: De aarde roept... (The earth calls...)
  513.  
  514.  
  515. From the depth of all my being
  516. I will ask for your attention
  517. From the bottom of my soul
  518. I bid you, please to hear her pray
  519. The earth fights her way
  520. Not to be forced to cry her tears out
  521. To collect the cruel price of the debt that we might pay
  522. There is no time, no time for us to linger,
  523. The future's here, and begs us to shake hands
  524. I don't care if someone points his finger
  525. I stand up for the sake of my homeland
  526. No claims, nor egocentric interests
  527. No short term gains for me
  528. No brighter prospects, nor misleading
  529. No ostrich policy
  530. We create a new foundation,
  531. That is based upon what's right
  532. Together we can save the nation
  533. Together we can turn the tide
  534. The water whispers
  535. The water whispers words of warning
  536. The dikes are fighting for the hinterland
  537. Her voice is slowly fading in the morning
  538. Drowned by economic interests, in the end
  539. Only she knows all the names
  540. Of the sacrifices, less or more
  541. Of the land and all her creatures
  542. Who are put off on a beneficial score
  543. Everyone deserves to live
  544. Every child deserves to grow
  545. It is my strength I want to give
  546. I respond to what I know
  547. No more need to drown and suffer
  548. Nor to struggle, or be afraid
  549. Here am I, to stand beside you
  550. I'll take care it's not too late
  551. There is no time, no time for us to linger,
  552. The future's here, and begs us to shake hands
  553. I don't care if someone points his finger
  554. I stand up for the sake of my homeland
  555. We create a new foundation,
  556. That is based upon what's right
  557. Together we can save the nation
  558. Together we can turn the tide
  559. There is no time, no time for us to linger,
  560. The future's here, and begs us to shake hands
  561. I don't care if someone points his finger
  562. I stand up for the sake of my homeland
  563. No claims, nor egocentric interests,
  564. No short term gains for me
  565. No brighter prospects no misleading
  566. No ostrich policy
  567. We create a new foundation,
  568. That is based upon what's right
  569. Together we can save the nation
  570. Together we can turn the tide
  571. From the depth of all my being
  572. I bid you to hear this plea
  573. From the bottom of my soul
  574. I ask you to rise with me
  575.  
  576.  
  577. *****
  578.  
  579.  
  580. (Closing Credits)
  581.  
  582. THIS LECTURE IS ORGANISED
  583. BY UNITED PEOPLE FOUNDATION
  584.  
  585.  
  586. Free & Happy out of the crisis with a new Bank & Coin
  587. Speaker: Ronald Bernard, Founding Father
  588.  
  589.  
  590. WITH MANY JOYFUL THANKS TO:
  591.  
  592. TO BE SINGERS - SONGWRITERS
  593.  
  594. Paul and Carla van der Veldt
  595. Played songs:
  596. Nessun Dorma
  597. Different than before
  598. You lift me up!
  599. Be the change
  600. The Earth calls
  601.  
  602.  
  603. LOCATION
  604. APAGE COACH, NIEUWEGEIN
  605.  
  606. Robert van Mierlo
  607.  
  608.  
  609. WATCH2LEARN
  610. AUDIOVISUAL (E)-LEARNING PRODUCTIONS
  611.  
  612. Stephan and Pauline Ravesloot
  613.  
  614.  
  615. TRANSLATION AND SUBTITLES
  616.  
  617. Remy Sproelants
  618. Marian van der Veen
  619.  
  620.  
  621. B OF JOY PLAYERS
  622.  
  623. Anneloes van Hamburg
  624. Carla van der Veldt
  625. Chris Lasschuit
  626. Deo Jehéuwah
  627. Elisabeth van der Windt
  628. Ellen van Kanten
  629. Emil Möller
  630. Erica Argelo
  631. Foppe Seekles
  632. Francesco Cuccureddu
  633. Gianluigi Cuccureddu
  634. Gunter van den Bossche
  635. Hans van der Liet
  636. Herman Banken
  637. Ivan van den Bosch
  638. Jacques Pho
  639. Jasper van Heck
  640. Marian van der Veen
  641. Mark Bakker
  642. Martha Roessen
  643. Meike Büttner
  644. Michael Sabbe
  645. Michael Meelis
  646. Nicolette Huisman
  647. Niek Dekker
  648. Pauline Pember
  649. Paul van der Veldt
  650. Peter Michel Heilmann
  651. Peter Toonen
  652. Remy Sproelants
  653. René Aaij
  654. Tineke van Ginkel
  655. Em. Ton Plekkenpol
  656. Veronique Leuntjens
  657. Vincent van Wijgerden
  658.  
  659.  
  660. B OF JOY INTERNATIONAL ADVISORY BOARD
  661.  
  662. Alfred Gerits
  663. Baron Tony Coleiro
  664. Dennis Heijn
  665. Jan Bommerez
  666. Jan Rotmans
  667. Jonkheer mr. Arnoud Six
  668. Marleen Janssen Groesbeek
  669.  
  670.  
  671. TO THE PEOPLE AND THE BUSINESSES
  672.  
  673. Many thanks to the people
  674. and businesses who actively support
  675. the B of Joy initiative
  676. as volunteers, supporters,
  677. member-certificate holders,
  678. donators or bail-free members.
  679.  
  680.  
  681. B OF JOY, THE MAIN KEY FOR REAL CHANGE
  682.  
  683. Humanity is greater than politics,
  684. banks and multinationals.
  685. A Good Stewardship of All Life,
  686. based on the Universal Declaration
  687. on Human Rights is our goal.
  688. A world of peace and abundance.
  689.  
  690.  
  691. THE FULFILMENT OF THE B OF JOY GOALS
  692.  
  693. Unite we are everything.
  694. Be aware and stand up for your liberation.
  695. In the years to come, you will receive
  696. more and more positive news
  697. about the fulfilment of our goals.
  698. It's happening!
  699. Do you join us?
  700.  
  701.  
  702. In the name of the children, earth and mankind, thanks a lot!
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