Finance

The Fourth Industrial Revolution Under A Psychopathic King

Posted on by Helena

Silver is not the only metal rising, it is simply being given the scrutiny because it has been so heavily manipulated for decades until 2025.   Gold, Palladium and Platinum have also seen a significant run graphed exactly the same with spikes and dips.  All have various industrial uses – silver has simply been the lowest priced despite those uses.  The AI industry is pushing markets in an array of directions including warehousing, data centers, chips, and grid demand.  Trumps buy into metals and fusion energy is all good and dandy as long as the buy and all subsequent profits revert to taxpayers and not fraud…

But there is a sidelined aspect that is not being discussed nearly at all:  large commercial bankruptcies. With 717 this year alone, these bankruptcies directly affect the banks who hold their loans and their numbers have hit a 15 year high.  Big Write-off Losses.   While Jamie Dimon of JP Morgan may have created the leverage to ‘enhance’ these losses, the purpose would be to either absorb or shut down the competition and consolidate banks.

Given currencies can be manipulated despite them having no intrinsic value (Bank of England), the idea that all stocks and assets are NOT manipulated is rather naïve at this point.  Metals are a future value with limited resource potential.  Neodymium is a rare earth mineral used to make magnets – it’s trajectory follows that of metals – up 150%. 

We are witnessing the 4th Industrial Revolution.  Massive shifts.  The 3rd Industrial revolution incorporated baby steps in internet, 5G, robotics, 3D printing and renewable energy comparably.  The 4th is about to change how we think, how we perceive, how we live.  Musk has expressed his belief that AI will make ‘everyone wealthy’.  An impossibility, simply because humans will always demand a class system. 

The bankruptcies have been across multiple industry sections including auto, fintech, hospitality, genetic testing, airlines, trucking, retail, you name it.  The largest share was Industrials.   Each bankruptcy seemed to have one commonality – liabilities over $1 billion. Tariffs are the baseline cause.  Real Inflation the secondary cause (not the fake numbers the WH gives us).  Which create a decline in sales.  Contrary to the ‘FEED”, Americans are pinching pennies for staple items.  When the need for a new refrigerator of washer cut loose the price tag is a shock point that can derail any budget with prices triple what they were just a decade ago.

Example:  The Second Industrial Revolution (roughly 1870–1914) was a period of significant economic volatility marked by frequent banking panics and major depressions, leading to high rates of business and personal bankruptcies. 

People are not given the opportunity to re-train.   Jobs become obsolete.  The domino effect ripples thru economies and virtually no one is immune.  Trump attempting to pretend that everything is grand and glorious only does more harm to an already precipitous climate.  Feeding more money into Israel and wars further depletes the impetus that could be better spent fixing our economy which is virtually stagnant.   Manufacturing down.  America cannot compete.   Sanctions significantly impair Americans who need to buy the cheaper item from China.  Tariffs became the final push off the cliff.  Passed on to prices, Americans pay more, buy less, triggering bankruptcies. An obvious to those who follow Economics 101.

One would think that knowing the history of three previous Industrial Revolutions, we would know how to mediate the Fall.  But our government does not work for The People.  They work for their stakeholders as decried by the World Economic Forum a decade ago when we didn’t listen…

Lesson Learned:  AI is the future.  Therefore, all industrial metals and minerals are the future.  Mining – a brutal livelihood often relegated to slave labor.  AI.  Can you imagine answering to your boss who is a robot?   Adding to the upcoming instability is an entire generation who have zero skillsets.  Purposefully driven by the same stakeholder agenda which requires useful slaves.

King Leopold II of Belgium:  Known as one of the most brutal slave lords in all of history, he owned Congo Free State from 1885 to 1908.  He plundered the nation of its ivory and rubber utilizing punishments for slaves who did not meet their quotas.  He was known for his torture, flogging and murder including amputation of hands and feet of men, women and children.  The death toll is upwards of 15 million, as a low count.

Netanyahu and Trump have jointly decided that any Palestinians remaining in their land will become the slave laborers to build the New Gaza with American Taxpayer Funding.   This would include men, women and children. 

We are in the middle of a 4th Industrial Revolution and Reign of Psychopathic Brutality like we have never seen.  We will become the Congo under our present administration which seems to be ruled by King Bibi.  There are two choices… 

FINTECH And The MiddleMen Creating DATA Nightmares

Posted on by Helena

Eleven years ago two twentysomethings created a Fintech platform called Plaid.   Plaid’s technology allows developers to plug into consumers’ various financial accounts, with consumer permission, to aggregate spending data, look up balances, and verify other personal financial data.  Plaid connects to 200 million consumer bank accounts and 11,000 U.S. banks. 

What is Fintech?  It is a means of providing seed money to startup companies in the financial tech market.  An alternative to traditional banks without the regulations required by the federal and state governments.   The strings can be devastating:

Unison:  Homeowners can tap into their equity for cash without a traditional home equity loan.  Unison charges a market rate of interest only payments, but there are added ‘fees’.    They advertise an interest rate of 5.468% has an APR of 8.36%.  By contrast, a 30 year mortgage rate of 6.3% has an APR of 6.35%.  The APR is what you are really paying over the life of the loan annually – they call it deferred interest.  This deferred interest follows the same interest trajectory as a traditional HELOC.

However, in addition to the APR rate, Unison takes a percentage of the appreciation of your home at term (10years) or when you sell.  The amount of appreciation it takes is 4times the investment percentage up to a max of 60% of the appreciation since the loan.    Their minimum is $30,000.  Not only are they charging interest equivalent to a HELOC without any government oversight, you will pay back $45,000 on a $30,000 loan. 

The initial cost to get the loan?  An origination fee of 3%, an appraisal fee, title fee and inspection fees (estimated to be roughly $4,000) and a transaction fee of 3.9%.   By comparison, simply refinancing your current mortgage based on the same equity requirement offered by Unison would cost considerably less.  A Unison loan may take as long as a traditional refinance. 

Example:  you borrow $100,000 on a $500,000 home for 10 years = Unison investment percentage of 25%.  Transaction Fee $3900, Origination fee $3,000, Closing Costs $4,000, Deferred Interest $15,760, and appreciation cap of 60% on initial investment percentage = $102,600 and repayment of original loan $100,000.  Appreciation at 3% per year would value the home at $671,300.    You sell your house for $671,000 – deduct $179,260 in Unison costs and the original loan of $100,000 – your walk away with $441,470. 

This is called FINTECH.  And this will bring you – JOY.

A Traditional HELOC for ten years at 8.36% would cost $47,885 at the end of 10 years.

ENTER companies like, Plaid.  Plaid claims to be the middle man in Fintech, bring consumers and clients to the Fintech seed money.  Of course, every Middle Man trade requires more expenditures that have to be absorbed thru the customer process.  And given everything is ‘alternative’ the typical means of judging credit worthiness, income, debt, credit score, Plaid utilizes ‘social credit evaluation’.  To do this they have to have access to everything;   bank accounts, stock holdings, utility bills, your family, your neighbors, your LIFE – all data including passwords are analyzed to determine your social credit capabilities via AI.

AI spits back a score and voila – Unison approves you.  What could go wrong?   Data Breach.   Lawsuits.   Plaid has been scraping user data, impersonating bank login screens, and not properly disclosing the privacy risks associated with the service.  TD Bank filed a lawsuit against Plaid in 2020 accusing the company of trying to “dupe” its users.   In a class action, TD Bank customers claimed that Plaid used consumers’ banking login credentials to gather and distribute detailed financial data without prior consent  Plaid settled for $58 million.

PNC Fin. Servs. Grp. v. Plaid Inc.

United States District Court, W.D. Pennsylvania

Aug 7, 2024

PNC ASSERTS:  “Plaid replicated the authentic PNC log-on screen in order to intentionally mislead consumers into believing that they are providing their private and sensitive information to PNC or to an entity affiliated with PNC in order to overcome the otherwise present and reasonable apprehension to providing financial information to an unknown third-party.”

In other words, the customer data was supposed to go thru PNC’s authentication process  and Plaid fraudulently bypassed PNC.  Again leaving customer data in the wrong hands – subject to potential hacks and theft.

This is supposed to be the future of banks and credit.  And already in a few years it is a MESS.  It is usury.  It is manipulative.  And the customer demographic being targeted?  RETIREES!

BUYER BEWARE