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  • You are about to learn one of the biggest secrets

    你將要得知世界歷史上最大的祕密之一

  • in the history of the world. It's a secret

    這個祕密對於每個住在這顆行星上的人衝擊甚巨

  • that has huge effects for everyone who lives on this planet.

    大部份的人都能深深感到世界的經濟某個地方出錯了

  • Most people can feel deep down that something isn't quite right

    但卻幾乎無人知道問題到底在哪

  • the world economy, but few know what it is

    一個家庭只要靠一份薪水就能過活的日子 一去不復返了

  • Gone are the days where a family can survive on

    一天又一天 事態似乎越來越難以掌握

  • just one paycheck, every day it seems things are more and more

    然而只有萬中選一的那個人 才知道問題在哪裡

  • out of control, yet only one in a million understand why.

    你將會發現

  • You are about to discover

    目前的金融貨幣體系 最終要為今日世上大多數的不平等負責

  • the system that is ultimately responsible for most of the inequality in our

    有權力的統治階級 "不"想要你知道這件事

  • world today. The powers that be do not

    因為這就是讓這些人在過去的百年間

  • want you to know about this, as this system is what has kept them at the top of

    處於金錢食物鏈頂端的體系

  • the financial food chain for the last 100 years.

    得知這個真相將會改變你的生活 因為它將會改變你的選擇

  • Learning this will change your life because it will change the choices that you make.

    如果足夠多的人能得知真相 那麼世界也將會改變...

  • If enough people learn it, it will change the world...

    因為這將會改變這個系統

  • because it'll change the system.

    因為這就是最大的"金錢祕密"

  • For this is the biggest Hidden Secret Of Money.

    有史以來 從未有過只要如此少數的人就能掠奪如此多人的財富

  • Never in human history have so many been plundered by so

    並且全透過以下的手段達成:

  • few,

    "人類史上最大的騙局"

  • And it's all accomplished through this, The Biggest Scam

    人們說金錢不是長在樹上

  • In the History of Mankind

    但事實上

  • They say that money doesn't grow on trees

    現代銀行業創造貨幣的速度 遠比樹木結果的速度快上許多

  • but the truth is that the modern banking system creates currency far faster than

    大部份的人不清楚貨幣是如何創造的

  • trees can grow.

    經濟學家和銀行家把整件事複雜化

  • Most people don't have a clue how currency is created

    所以人們認為自己無法了解

  • economists and bankers make it sound so complex that people think they can't

    但我將徹底解析現代的金融貨幣體系

  • understand it.

    這樣你就能看到幕後的運作原理 以及它如何影響你的生活

  • But I'm going to strip our monetary system down to its

    現代社會創造貨幣的方式都大同小異

  • essence so you can see the scam behind the curtain

    但既然美元是世上主要的貨幣

  • and just how it affects you. Every modern society creates currency in pretty much

    我將以美元當成例子

  • the same way

    一切都從政治家的話開始:

  • but since the US dollar is the majority of the world's currency

    "投票給我 我將保證政府

  • I'm going to use the United States as our example. It all starts when some

    會提供比我對手更多的免費東西給各位"

  • politician says 'Vote for me and I'll make sure the government provides you more

    但天底下沒有白吃的午餐

  • free stuff than my opponent will'

    所以為了提供應該要是免費的東西

  • But there's no such thing as a free lunch - so to provide that supposedly free

    政客會支持國家的支出比收入還多

  • stuff the politicians

    這稱為"赤字消費"

  • vote for the country to spend more than its income. This is called deficit spending.

    為了應付赤字消費

  • To pay for that deficit spending the Treasury borrows currency by issuing a

    財政部透過發行"債券"來借到金錢

  • bond.

    那債券是什麼?

  • So what's a bond? If you think about it a bond is really nothing but a glorified

    如果你想一下就知道 其實債券只不過是美化過的"借據"

  • I.O.U. It's a pretty piece of paper with numbers printed on it that says

    它是一張漂亮的紙條 上面印著數字和文字:

  • 'Loan me a trillion dollars today and I promise over a 10-year period

    "今天貸款給我一兆美元

  • I'm gonna pay you back that trillion dollars plus interest.'

    我承諾十年之後會還給你並附帶利息"

  • But what you need to understand is that Treasury bonds

    我承諾十年之後還給你並附帶利息"

  • are our national debt. These glorified I.O.U.s

    但你需要了解的是

  • are to be paid back by you and I and our descendants through future taxation.

    "國庫券"就是我們的國債

  • Therefore:

    這些美化過的借據

  • When the government issues a bond it steals prosperity

    將會透過你 我和後代子孫的未來稅收而清償

  • out as the future so that it can spend it today. The Treasury then holds a bond

    因此當政府發行債券時

  • auction

    事實上是從未來竊取繁榮的財富 這樣我們才能在今日揮霍

  • and the world's largest banks show up and compete to buy part of our national debt

    然後財政部會拍賣債券

  • and make a profit on by earning interest. You'll notice that as we move through

    而世界上最大的銀行

  • this process

    爭相出現來購買我們國債的一部份

  • the big banks are there taking a cut every step of the way.

    並透過賺取利息來得到利潤

  • This isn't by chance as you'll see shortly. Then,

    當我們走過整個流程後你就會知道了

  • through a shell game called Open Market Operations the banks get to sell some of

    大銀行在每一步上都能分一杯羹

  • those bonds to the Federal Reserve

    你很快就會看到這並非偶然

  • at a profit. To pay for the bonds the Federal Reserve

    然後透過所謂的"公開市場操作"這個騙局

  • opens up its big old checkbook and writes bad

    銀行就能賣一些債券給美聯準並賺取利潤

  • bogus counterfeit checks that should bounce because they're drawn on an account that

    為了支付債券 美聯準翻開了又大又舊的支票簿

  • always has a zero balance, there isn't one penny

    並開出一張"本來應該要能"結算的"假"支票

  • in there. To quote from the Boston Federal Reserve: 'When you are I write a

    但他們提錢兌現支票的帳戶根本沒有結餘

  • check there must be sufficient funds

    一毛錢都沒有

  • in our account to cover that check, but when the Federal Reserve writes a check

    在這裡引用波士頓聯邦準備的話:

  • there is no bank deposit on which that check is drawn.

    "當你或我開出支票時 帳戶裡一定要有足夠的資金

  • When the Federal Reserve writes a check it is creating money."

    以兌現該筆支票

  • The Fed then hands those checks to the banks and at this point currency

    但當美聯準開支票時

  • springs into existence.

    並沒有能兌現該筆支票的銀行帳戶存款

  • The banks then take that currency and buy more bonds at the next Treasury

    當美聯準開出支票時 它就是正在創造金錢"

  • auction.

    接著美聯準就把支票給銀行

  • But what is a check? A check is also an I.O.U.

    就在這個時刻 貨幣就突然出現並存在了

  • When you write a check you're making a note that says "Here's my I.O.U. for

    然後銀行就拿著這筆貨幣

  • cash,

    購買更多財政部下一場拍賣的債券

  • all you have to do is go to the bank and pick it up." Now it's very very important

    但"支票"又是什麼?

  • that you understand this process

    支票也是一張借據

  • because we're going to come back later and show you the devastating effect this

    但你開支票時 你就是在上面註記:

  • has on you.

    "這是我的現金借據 你只要去銀行兌現即可"

  • The treasury issues I.O.U.s, (bonds).

    了解這個過程非常 非常重要

  • The banks then buy those I.O.U.s with currency. The Federal Reserve

    因為我們之後會再回過頭

  • then writes I.O.U.s (checks) and hands them to the banks in exchange for the

    並說明這個過程對於你有何毀滅性的影響

  • Treasury's I.O.U.s

    財政部發行借據 即債券

  • (the bonds). And currency is created. So what's really happening is the Federal

    然後銀行用貨幣購買這些借據

  • Reserve and the Treasury

    然後美聯準也開出借據 即支票

  • are just swapping I.O.U.s, using the banks as middlemen,

    然後再把該支票給銀行 以交換財政部開出的債券

  • and abracadabra presto currency magically springs into existence.

    在過程中 錢就被創造出來了

  • This process repeats and repeats over and over again

    所以實際上發生的只是美聯準和財政部

  • enriching the banks and indebting the public by raising the national debt.

    互換彼此的債券和支票

  • The end result is that there's a buildup of bonds at the Federal Reserve

    並利用銀行這個中間人

  • and currency at the Treasury. This process is also where

    然後一陣魔法般的劈哩叭啦 貨幣就神奇地出現了

  • all paper currency comes from. The Federal Reserve and the government

    這個過程不斷重複實行 一次又一次

  • mistakenly call it 'Base Money'

    這讓銀行富裕了 卻讓大眾因國債總額上升而負債

  • because they didn't watch Episode 1 of this series, and they don't know the

    最終結果是在美聯準那一方有一堆債券

  • difference between money

    然後財政部有了一堆貨幣

  • and currency. But I will correctly refer to it as 'Base Currency' because

    這個過程也是所有紙幣的來源

  • it is not money...

    美聯準和政府誤稱這種紙幣為基礎"貨幣"(money)

  • it is CURRENCY, and as we've learned there is a big difference:

    因為他們沒有看這一系列影片的第一集

  • Money has to be a store of value and maintain its purchasing power over

    他們不了解"金錢"(money)和"貨幣"(currency)之間的差異

  • long periods of time.

    但我會正確地稱其為基礎"貨幣"(currency)

  • We learned in Episode 1 that earlier in our history our paper currency was

    因為"貨幣"(currency)並非"金錢"(money)

  • just a claim check.

    這是"貨幣" 而且如我們學到的 貨幣和金錢有巨大的差異

  • It was a representation for real money of intrinsic value,

    "金錢"必須能儲存價值

  • the gold and silver that was held on deposit at the Treasury.

    並長時間維持其購買力

  • You could walk into any bank and slap your currency, like say a twenty dollar

    我們於第一集學到 在早期的歷史

  • bill

    我們的紙幣只是一張提領證明

  • on the counter, and redeem it for real moneyÉa twenty dollar gold piece.

    它代表了真正的"金錢"和其內在價值

  • But now this base currency that's piling up back here

    即儲存在財政部裡面的黃金和白銀

  • is really nothing but a receipt or a claim check on an I.O.U.

    你可以走進任何一家銀行裡

  • (that bond), so it's really nothing but a supply of numbers.

    把你的貨幣甩在櫃台上 例如20美元

  • The Treasury then deposits the newly created currency in the various branches

    然後贖回"真正的"金錢 即價值20美元的金塊

  • of the government,

    但現在我背後不斷堆積的基礎"貨幣"

  • and the politicians say "Hey thanks for that!",

    只不過是一張收據而已

  • and the government does some deficit spending on public works,

    或是一張兌換"借據(即債券)"的提領證明而已

  • social programs, and war.

    所以這一切真的只不過是一堆數字的供應

  • The government employees, contractors and soldiers then deposit their pay in the

    財政部接著就把這些新造出來的貨幣

  • banks.

    存放在政府的各個部門裡面

  • Now this may come as a shock to you, but when you deposit your currency with the bank

    然後政客會說:"嘿 多謝了"

  • you're not

    然後政府會把一些赤字消費的金錢用在公共事務

  • actually depositing it into an account to be safely held in trust for you.

    社會福利計畫 以及戰爭方面

  • Instead, you're actually loaning the bank your currency,

    公務員 承包商和士兵 接著就把自己的薪水存在銀行裡

  • and within certain legal limits they can do with it pretty much anything they please.

    現在這一點可能使你震驚

  • This includes gambling in the stock market, and loaning it out...

    即當你把貨幣存在銀行時

  • at a profit of course.

    你並非真正把錢存在一個能使你安全信任的帳戶裡

  • Now this is where the machine of currency creation really gets cranking,

    相反地 你實際上是把你的貨幣借貸給銀行

  • because this is where something called 'Fractional Reserve Lending' comes into

    而在特定的合法限制下 銀行可以隨心所欲使用你的錢

  • play.

    這包括了在股市投機賭博

  • Fractional Reserve Lending is exactly what it says. The banks are allowed

    當然還有把錢借貸出去以賺取利潤

  • to reserve only a fraction of your deposit and loan the rest out.

    接著這裡就是貨幣創造機制的重點

  • Although reserve ratios may vary, I'm going to use a 10 percent reserve ratio

    因為這就輪到"部份準備"的借貸機制發揮作用了

  • as our example.

    "部份準備"借貸正如同字面上的意義

  • If you deposit $100 dollars in your account, the bank can legally take ninety

    銀行只被允許保留你的一部份存款

  • dollars of it and loan it out without telling you.

    並把剩下的再借貸出去

  • The bank must hold ten dollars of your deposit in reserve

    雖然部份準備的比率各地不同

  • just in case you want some of it. These reserves are called 'Vault Cash'.

    但我在此會使用10%作為例子

  • But why does your bank account still say you have one hundred dollars if the bank

    如果你在戶頭裡存100元

  • has stolen ninety dollars of it?

    銀行可以合法貸出90元給別人 而且不用告訴你

  • Because the bank left I.O.U.s it created called 'bank credit'

    而銀行一定要保留你原本存款中的10元 作為準備金

  • in its place. Now I know this sounds crazy,

    以免你想要提錢出來用時 這些準備金(10元)稱為"庫存現金"

  • but here it is in black and white from the Fed: "Commercial banks create

    但儘管銀行已把你的90元偷走了

  • checkbook money

    為何你的帳戶顯示 你仍有100元?

  • when they grant a loan simply by adding new deposit dollars in accounts

    因為銀行保留了其所創造的借據

  • on their books in exchange for a borrower's I.O.U."

    稱為"銀行信用"

  • These are nothing but numbers that the banks type into their computers,

    我知道這聽起來瘋狂

  • and even though these bank credit I.O.U. numbers

    但美聯準在這裡白紙黑字寫得清清楚楚:

  • are very different from base currency numbers (because they only exist in

    "商業銀行創造出支票貨幣 當它們批准一筆貸款時

  • computers),

    只要在本子上增加新的存款帳戶金額即可

  • they are still currency. So now there is one hundred ninety dollars in existence.

    藉此交換取得借款人的借據"

  • Now the reason people take out loans from the banks is to buy something.

    這些都只不過是銀行輸入至電腦裡的數字而已

  • They're going to buy a house or a car or something like that.

    即使這些銀行把借據上的金額 再借貸出去

  • So the borrower takes the ninety dollars that the bank loaned to him from your account,

    但仍然與原本基礎貨幣的數量非常不同

  • and he pays the seller of item. But then the seller deposits that currency

    (因為它們只存在於電腦中)

  • into his account,

    它們仍然是貨幣 所以現在有190元出現了

  • and his bank loans out ninety percent of that,

    接著有一個人為了買東西而從銀行借錢

  • and leaves bank credit numbers in its place. So now there's two hundred and

    他可能會買房子 汽車等等之類的東西

  • seventy-one dollars in existence.

    所以那位貸款人 從你銀行的帳戶借貸了90元

  • This process repeats and repeats until under a 10 percent reserve ratio

    然後拿這90元去支付賣方 買到東西

  • an initial deposit of just one hundred dollars can create up to one thousand

    但這位賣方又把這90元的收入存至他的帳戶

  • dollars of bank credit

    然後賣方的銀行又貸出90元的90%

  • all backed by one hundred dollars of vault cash,

    即再額外貸出了81元(原本90元的90%)

  • just 10 percent. But as I said reserve ratios vary wildly...

    所以現在流通中的貨幣總額變成了271元(190+81)

  • on some deposits it's 10 percent on others

    這個過程不斷重複

  • its 3 percent and on some forms of deposits reserve requirements

    並以10%的準備比率為根據

  • are zero! The result is that the expansion the currency supply by the banks is

    這樣原本只是100元存款的本金

  • far greater than even this example would lead you to believe.

    最後可以創造出高達1000元的銀行貸款額度

  • So once again, when currency is deposited in the banks,

    全部都只由一開始100元的庫存現金 以及10%的準備率所支撐

  • the banks get to lend it out and then it gets we redeposited and relent,

    但如我所述 部份準備金的比率變化極大

  • redeposited and relent, redeposited and relent

    對某些存款而言是10%

  • over and over again creating bank credit all the way.

    其它存款可能是3%

  • This is where the vast majority of our currency supply comes from.

    甚至有些存款是0%!

  • In fact 92 to 96 percent of

    結果是由銀行造成的貨幣供應擴張

  • all currency in existence is created not by the government,

    其金額甚至遠遠超過這個例子能夠想像的

  • but here in the banking system. Now,

    再複習一次

  • massive amounts of currency spewing into society may at first sound like a fun

    當貨幣存在銀行時

  • idea...

    銀行會把這筆錢借貸出去

  • that is until you remember one of the most important Hidden Secrets Of Money

    然後這筆被貸出的錢 重新再被存入及貸出

  • from Episode 1:

    重新存入 重新貸出

  • That the prices of everyday goods and services act as a sponge

    不斷重新存入 重新貸出

  • on an expanding currency supply. The more currency we have

    一路上無限創造出銀行貸款

  • the more prices rise.

    這就是我們大部份的貨幣供應來源

  • This is where inflation comes from. The true definition of inflation

    事實上 92%~96%的現存貨幣

  • is an expansion of the currency supply, rising prices

    並非由政府創造

  • are merely the symptom.

    而是由銀行業創造

  • So our entire currency supply is nothing but a couple bucks whipped up in this

    大量的金錢注入社會 乍看之下可能很有趣...

  • hocus-pocus scam

    直到你記得從第一集學到的最重要祕密之一

  • where the Treasury and the Federal Reserve swap glorified I.O.U.s

    即日常用品和服務的價格

  • and a bunch of numbers that the banks just type into their computers.

    根據貨幣擴張的供應數量 會像海綿一樣膨脹

  • That's itÉthat's our entire currency supply. It's nothing but a supply of

    我們有越多的貨幣 物價就越高

  • numbers.

    這就是通貨膨脹的原因

  • Some of them printed, most of them typed,

    通貨膨脹的真正定義在於貨幣供應的擴張

  • and there is nothing else. But if you thought that was crazy,

    物價上漲只是副作用

  • get ready to enter the twilight zone ofmodern economics. We work for some of that

    所以我們整個貨幣供應 只不過是原本的幾毛錢

  • currency supply.

    透過這種詭計把戲激發擴大

  • True wealth is your time, but we trade away moments in our lives

    其中財政部和美聯準互換美化過的借據罷了

  • hour by hour, day by day, and year by year

    然後銀行再把這一串數字打入電腦裡而已

  • for numbers that somebody printed on pieces of paper or just typed into a

    就是這樣! 這就是我們貨幣供應的真相!

  • computer.

    全部都只是一串數字的供應而已!

  • Now those numbers represent our blood, sweat, tears, labor,

    有一些確實用印的 但大部份用電腦打字

  • ideas and talent. We are what gives the currency its value.

    除此之外就沒了

  • But here comes the really cruel joke...we work hard,

    但如果你覺得這已經夠瘋狂了

  • so that we can save some of that currency, so that we can pay the tax collector

    那再進一步準備看看 現代經濟學的詭妙之處吧

  • (in the United States it's known as the IRS), they then turn it over to the Treasury,

    我們為了取得一些貨幣而努力工作

  • so that the Treasury can pay the principal plus interest

    但真正的財富是你的時間

  • on that bond that the Federal Reserve bought with a check drawn

    但我們經年累月出賣了我們的生命時光

  • on an account that has nothing in it.

    只為了某人在紙上印出來 或輸入至電腦裡的數字

  • Now let's do a recap on this section because this is where the

    那些數字代表了我們的心血

  • system begins to rob you and I

    汗水 眼淚 勞動 想法和才智

  • on a massive scale. Much of our taxes are not used for schools, roads and public

    我們才是賦予貨幣價值的人

  • services,

    但殘酷的玩笑就在這裡

  • but to pay interest on bonds that the Federal Reserve

    我們努力工作 這樣才能存一點錢

  • bought with a check drawn on an account that has nothing

    這樣才能繳稅給負責稅務的人員

  • in it. The Federal Reserve is committing FRAUD.

    即"美國國家稅務局"

  • But here's one of the biggest secrets of them all:

    然後他們把稅收交給財政部

  • Before the establishment at the Federal Reserve there was no need for personal

    這樣財政部才能支付包含本金加利息的債券

  • income tax. The Federal Reserve was created in 1913

    而美聯準再開支票買回來

  • and that very same year the Constitution

    而此支票的帳戶裡 其實一毛錢都沒有

  • was amended to allow income tax. Do you really think this was just a coincidence?

    現在讓我們來複習這部份

  • Ask yourself how much income tax you've paid

    因為這才是此系統開始大規模劫掠你我的地方

  • over your lifetime. Much of it has been silently siphoned away

    我們大部份的稅收並非用於學校 道路或公共服務

  • into the hands of those who own the system. Yes this system has owners...

    反而用於支付美聯準向銀行購買的債券之利息

  • who they are is an even bigger secret that we'll get to shortly,

    而美聯準用來購買此債券的支票 其帳戶一毛錢都沒有

  • but first we need to understand the mumbo jumbo of the so-called

    美聯準就是在詐欺

  • 'debt ceiling'. It's all based on a huge paradox:

    但底下才是所有騙局的最大祕密:

  • There was interest due on that bond, and there was interest due on

    在美聯準建立之前 美國毋需徵收個人所得稅...

  • every one of those loans that the banks made. That means

    美聯準創立於1913年

  • that there is interest due on every dollar in existence.

    而就在那一年

  • Let me ask you something: If you borrow the very first dollar into existence and

    美國修改了憲法 允許徵收所得稅

  • that's the only dollar that exists on the planet,

    各位真覺得這只是巧合?

  • but you promise to pay it back plus another dollars worth of interest...

    捫心自問 這輩子你繳了多少所得稅?