Category Archives: Essays

Why God Allows Evil to Exist, and Why Bad Things Happen to Good People


There is a surprising amount of confusion among the religious, even among clerics and scholars, when it comes to understanding why evil exists and why God stands aside when so much suffering happens throughout the world. I’ve heard nothing but lame excuses and naive, illogical reasoning from them when they try to justify the existence of evil.

Most of us express wonder when we see some horrible catastrophe happen, or when we see evil individuals, companies and institutions wield so much power. Some people even go so far as to blame God for the evil things that exist in this world, since if God had desired, He could have prevented such things from existing or happening in the first place. Others take this even further, using the existence of evil as proof of God’s non-existence. How can a good and supposedly all-powerful God stand by while so much evil happens? Where is our God?

I cannot follow a self-contradictory, unpredictable and illogical God, which is what God is as taught by many teachers of religion. Since I do not fit the criteria for becoming an atheist (being intelligent enough to reject the incoherent religion taught by my parents and teachers, but not intelligent enough to fix these incoherences and find my own path to God), what I have done throughout my life is to go back to Scripture and re-invent God based on its teachings, getting rid of all the cultural baggage that has entered into common religious belief to go back to the focus of all religion: The understanding and worship of God.1

There are good, perfectly logical explanations for these things, deep explanations that elucidate the purpose of this universe, our place in it, and our relationship with God, and through this give us perfectly good reasons for the existence of evil.

Why Evil Exists

What is the point of the existence of this world anyway? Many mistakenly think that the purpose of this world is to be a permanent residence where people judge whether God exists or not. They think that they can gauge God’s “level” of existence by the things that happen around them, so that given the right set of events, they will decide He is alive and active, and given others, they will decide He doesn’t exist, because if He existed, the world wouldn’t be the way it is.

A friend said that he once went on a trip abroad, and before he left, he asked God to protect three things that were most important to him in his life. During his trip, he lost all three, which included the dying of loved ones, and this made him decide that God doesn’t exist. He is a Buddhist now.

The above case is an example of earth-centric thinking, that considers this world a goal in itself. This is the core mistake that leads to millions of people misunderstanding, even disliking, God. That is a mistake because this world is nothing besides a testing hall where humans can freely choose to do as they like, to prove their worthiness of God’s approval or wrath. This world is not meant to be a permanent residence.

Most religions teach that an end of the world is coming. Regardless of religion, the universe is on track to become a dark, lifeless mass as the stars and galaxies die out. Everything is going to end, and what remains is the record of our deeds, kept by God. Even if we manage to create the greatest empire on earth, or write the most wonderful novel, none of our accomplishments will last.

One day the universe will shut down as if it never existed, and on that day what significance can our achievements have? This world is not meant as a permanent home of peace, but as a test. And a test requires that the possibility of failure should exist. If all humans acted according to God’s wishes, evil would not exist. But since God has given humans the freedom to disobey Him, they have the ability to do evil.

God is good, and evil is the absence of goodness, the same way that darkness is the absence of light. If God is Light, we cannot blame Him for the darkness we encounter when we turn away from Him, distance ourselves from Him, and act against His wishes.

Why didn’t God make the universe a place of wholesome goodness lacking in the possibility for evil? Because if evil could not exist, humans wouldn’t truly be free beings.

To be free, humans require the freedom to act against God along with the freedom to act for His sake. God wants to give humans perfect freedom to act and grow, so that they can be the best or the worst they want to be. Since humans have the freedom to act against God, and since to act against God is to create evil, humans have been given the freedom to create evil.

God did not make this world a perfect place because that is not its purpose. Imagine if you were a maker of creatures. If the creatures you made were controlled by their nature to do exactly what you put in them to do, they could never be truly your friends. They would be subservient robot-like machines that cannot help doing whatever you put in them to do.

But imagine if one day you wanted something more. You wanted to make creatures that could truly be your friends. The only way to have a true friend is to create a creature that can choose whether to be your friend or not. And so, you make creatures with free will, who can act according to whatever they wish, rather than according to your programming. Some of these creatures will choose to be your friends, others will ignore you, others will choose to be your enemies. They may fight among themselves, doing much evil to one another, and blaming you, their creator, for the evil they do, when in truth they should blame themselves, for they are the ones choosing to act the way they do. They have the freedom to be good, and many of them choose to be good, but some of them  choose to be evil instead.

The only thing we can blame God for is His creating us and giving us the freedom to be evil. This is a pointless blame. This is our reality and our fate, we cannot escape it. We have been thrown into this game regardless of our wishes, a game that forces us to choose to be either good or evil. We can debate the ethics of forcing people to choose between good and evil. But at the end of the day, we are forced to play this game. There is no dropping out.

Our Creator has done this to us, possibly against our will2, but we cannot get hung up over this fact, because our future holds something very important: Either eternal reward, or eternal punishment. Blaming God will not help our future. It may make us feel better now to hate God as so many do, but by making us think badly of God, this will reduce our chances of future success. The future is coming whether we want it to or not, and we have the power to make it a good or a bad future.3

Not all evil is done by humans. Droughts, floods and other natural disasters can cause much evil and suffering, and we can lose loved ones through car accidents and illnesses. Why doesn’t God prevent these things from happening if He loves us? Because, in order for the testing hall that is this world to be a true and consistent place of testing, God shouldn’t interfere with the functioning of nature4. The laws of nature should behave in such a way that makes sense even without reference to God. If we were as intelligent as we are, and yet we saw that nothing bad ever happened on earth, no car accidents, to illnesses, nothing, that everyone died in old age of natural causes, then this would be undeniable evidence of the existence of a higher power that protects humans.

God wants us to have the possibility of being atheists. It is one of God’s self-imposed rules that it should be impossible to directly detect His existence. And that requires that the functioning of this world should make perfect sense according to predictable scientific laws.

God wants us to believe in Him without seeing Him or knowing that He truly exists, because if it were possible to prove His existence, it would reduce our freedom to act against Him. God wants our universe to seem to make perfect sense without any necessity for His existence. This way we are given the freedom to discover Him and His Scriptures, and through our knowledge and conscience, we gain the ability to either follow His way or disbelieve in Him. Once we are given this knowledge, there is no turning away from the choice between good and evil.5

God wants our test to be a perfect test, in which we have perfect freedom to be good or evil. This would allow us to take credit for our actions. If God’s existence were proven, we’d be turned into slaves who cannot help but do as He says. We’d become merchants who act in our best interests by following God’s commandments. This is not what God wants. God wants us to be honored creatures who befriend Him not because we are forced to, but because we choose to. This is what gives worth to our friendship.

There is little honor in an employee acting according to his or her boss’s wishes, this is the expected behavior. While even this amount of obedience to a boss justifies reward, so that even if we had proof of God’s existence, we could still be rewarded for obeying Him6, God wants to take us beyond this boss-employee relationship. He wants to raise us to the status of honored friends, who act out of love and friendship, and out of our own efforts toward remembrance of God, rather than acting out of practical compulsion.

God wants us to be the servant who continues to love and serve his master, even though the master goes away for years, decades. What incredible honor and reward can await such a servant who faithfully loves and serves his absent master for 50 or 60 years, until he dies, even though the master never returns?7

God, by creating the possibility for the existence of true friendship between Himself and the humans He created, had to also create the possibility for the existence of true enmity between Himself and them. He wanted friends, but He knew that they couldn’t truly be called friends unless they had the option to be His enemies.

The evil done by humans on Earth is a doing of humans when they act against God, it is not a doing of God, therefore humans should be blamed, not God. And the evil done by nature is nature’s own doing, caused by the rules of physics, and God does not want to interfere with it because constant interference with nature would cause His existence to become apparent. It is necessary for disasters and accidents to be possible, as these prove to us the validity of nature’s rules, and allows the atheist the freedom to use these to prove that God doesn’t exist.

God and Nature shall always be apart, or seem to be apart, so that each one appears to function without the other. This is necessary, as this is what enables humans the freedom to choose between faith and disbelief, between good and evil. The world needs to make perfect, logical sense without having to refer to God in our thinking. It should be possible for us to believe that the world functions on its own without anything supernatural existing, this is what gives us the freedom to believe and disbelieve in God.

We need to be able to believe that the Master is absent. This is when the true nature of the servant comes through. Bad servants start to misbehave as soon as the Master looks away, and if the Master is away long enough, they entirely give up serving Him. They will start to loot His property and defile His name. But the good and honorable servant, even as he sees all of this happen, continues to have love and loyalty toward his Master. It makes no difference to him even if the Master never comes back. He keeps the remembrance of his Master in his heart, and he admonishes and encourages himself to continue to be the best servant he can be.

The world, the way it is, gives us the perfect opportunity to be this honorable and admirable servant. If evil did not exist, and if bad things did not happen, then there would have been no way for such servants of God to exist. We’d instead all be lowly and menial servants who never had a chance to disobey, and thus never had a chance to prove our loyalty toward God.

A world without evil and disaster would be a dysfunctional testing hall that cannot differentiate between the best and the worst of us. Without evil and disaster, God’s existence would be so clearly visible to us that most of us would cower in front of Him. A few people might be found who are daring enough to disobey God even in such circumstances, but the majority of people would kneel before God as they would before a great emperor, regardless of whether they had any loyalty toward Him.

A world that seems to be ruled by the cold, harsh laws of nature, and that completely hides the existence of God from our eyes, gives us the perfect opportunity to prove our loyalty to God. This world, with all of its problems, is the perfect testing hall, because of the problems it has.

Why Bad Things Happen to Good People

I will get around the metaphysical complexity of defining good and bad people by saying that a good person is anyone the reader thinks does not deserve to suffer, while a bad person is someone who does not deserve God’s protection.

Why good people suffer has already been mostly answered. If bad things never happened to good people, this would act as a proof of God’s existence and the invalidity of nature’s laws. If all good people lived to old age and died of natural causes, this would be easily detectable by even the simplest analysis.

There are religious people who wrongly think that if you are truly faithful, you will never suffer anything bad. When they see bad things happen to people, they try to find the reasons why the sufferers themselves are responsible for the suffering that has come upon them.

But disasters are a natural part of life, and it should affect good and bad people equally, or at least it should seem to do so. God does not want to be seen, so it should be impossible to detect miracles happening to save good people.

The suffering of good people proves that nature’s laws are real. If nothing bad ever happened to good people, but only happened to bad people, the fact would act as a proof of God’s existence, and this is what God does not want in this world. God wants us to follow Him and serve Him of our own free will, without any compulsion or strong inducement.

There would be millions, maybe billions, more believers if avoiding suffering was as simple as believing in God and serving Him. But these believers would be tantamount to fair-weather friends, who are on the bandwagon of faith only for their own immediate, short-term interest. They wouldn’t be loyal friends of God.

The world should occasionally give the faithful the impression that God has abandoned them. This is the true test of faith. Once all blessing seems to have gone from our lives, that’s when we look inside our hearts to find God again. If we weren’t true believers, if we only believed in God to ensure our own worldly good, then there would be no God in our hearts. We’d lose faith and abandon religion once we had the impression that God has abandoned us, like millions do.

But as for the truly faithful, when life gives us the impression that God has abandoned us, we continue to believe in God and to do our best to protect our faith. If our Master seems absent, it does not mean He has gone away forever. Only a dishonorable servant would start to act as if the Master is dead once He is gone away for a month or two. Those of us who truly believe in God, who love Him and want His friendship, and who have accepted to be His servants for eternity, will not abandon serving Him, regardless of what hardship and loneliness comes our way.

By the morning brightness

And [by] the night when it covers with darkness,

Your Lord has not taken leave of you, nor has He detested [you].

And the Hereafter is better for you than the first [life].

And your Lord is going to give to you, and you will be satisfied.

Did He not find you an orphan and give [you] refuge?

And He found you lost and guided [you],

And He found you poor and made [you] self-sufficient.
[Quran 93:1-8]

The possibility of good people suffering something horrible is nothing but an extension of these facts of life; the need for a proof of nature’s laws, the necessity for some suffering to prove one’s faith and virtue. God can inflict the greatest suffering on His most beloved servants, as He did with Abraham when He asked him to slaughter his beloved son, and as He did was Jacob in allowing him to believe, for years on end, that his most beloved son was dead, as this is how the greatest friends of God are raised to the highest ranks.

There can never be virtue without suffering. A virtuous act is one where we overcome our natural tendencies for the sake of God, and attaining virtue always has an element of suffering in it, small or great. A rich person who, out of love for God, refuses to practice usury to further enrich himself or herself, is doing a virtuous thing. Their suffering is that they watch their fellow rich men and women practice usury and see their wealth increase exponentially, while their own wealth increases slowly and is subject to far more risk.

And someone who attains virtue by working for a charitable cause, or by giving money to the poor, is also subject to a mild form of suffering (what economists would call “opportunity cost”), as they lose time and money that could have been used for something pleasurable.8

The possibility of good people suffering does not mean that blessedness in this world does not exist. As in the story of Joseph, God will allow suffering to happen, followed by periods of ease and enjoyment, followed by more suffering, until His servant is raised to the highest possible status. God will not leave his faithful servants abandoned alone to be entirely subject to the cold, harsh laws of nature, though it is necessary that it should appear so, so that God’s existence will not become apparent. The Quran says:

Whoever does righteousness, whether male or female, and who is a believer – We will surely cause him to live a good life, and We will surely give them their reward [in the Hereafter] according to the best of what they used to do.
[Quran 16:97]

Besides reward in the afterlife, the verse promises a good worldly life. The word used in the verse to mean “good” is tayyib, which can also be translated as “wholesome”. God will have a hand in the lives of good people, ensuring that despite the disasters they suffer, they will end up having wholesome, blessed lives. This, of course, cannot be proven, in accordance with God’s plan. But it can be seen in little things for those of us who have faith. The lives of believers seem to have more purpose. Their life stories seem better arranged and guided. This of course cannot be proven to an atheist, and it doesn’t have to be.

On the other hand, for disbelievers, people who knowingly rebel against God even though they believe in Him in their hearts, the Quran has this to say:

But whosoever turns away from My Remembrance, verily for him is a life narrowed down, and We shall raise him up blind on the Day of Judgment. He will say: “My Lord, why have you summoned me as a blind person when I was sighted?” He will say: “Thus did Our signs come to you, and you forgot them; that is why you have been forgotten this Day.”
[Quran 20:124-126]

This verse, similar to the previous one, implies that there are worldly consequences for having (and in this case, not having) faith. Those who knowingly reject God will have a “narrowed down” life, also translated as “straitened” and “constricted”. Similar to how the lives of good people are blessed despite their hardships, the lives of evil people are constricted despite their joys and pleasures.

To put it another way, the general theme of a believer’s life is blessedness, while the general theme of a disbeliever’s life is constrictedness, a feeling of being oppressed by life. Both will enjoy periods of joy and periods of suffering, but through submitting to God, believers are blessed by God and are freed from many of the constraints of life, while disbelievers are, in general, and not very detectably, made to submit to the harshness and coldness of nature.

There will be a hidden hand of God that shields and guides the believer, while there is no such shield and guide for the disbeliever, and the world, itself a servant of God, treats them the way they like to be treated, as if God does not exist.

God could inspire us to always make the right choices in order to avoid all that is bad and to always gain what is good. But, besides making God’s existence apparent, this would reduce the value of our friendship with Him. A true friend of God is the one who keeps his faith in Him during difficulties, while a fair-weather friend of God is the one who only loves and worships God during times of peace and plenty, and whose faith is shaken whenever something bad happens to them (and plenty of such believers do exist).

The matter of ranks of God’s chosen friends in the afterlife is important, because it decides a person’s status in the afterlife for all of eternity. God does not want most of us to leave this world without having proven how good of a friend of God we are. That, in fact, is the main purpose of this world: To distinguish our ranks, from the very best of us to the very worst.

Some people die before they can prove themselves to God, for example infants. God allows this to happen because infant deaths are required by the laws of nature. And as for the poor infant, while their death is a tragedy in this life, in the afterlife God can choose to give them great reward without them having worked for it, since God’s generosity is not limited. He may also give them a higher status in the ranks of His friends than their parents as a reward for the parents, while also raising the status of the parents who kept their faith during the ordeal. A truly just God will not let an infant’s death go to waste.9

There are a thousand ways in which God can preserve eternal justice while allowing tragedies like infant deaths to happen, since this life is no more than a mere flicker compared to the eternity of the afterlife, and everything that happens here will one day be nothing more than a pale memory when a person has spent millions of years enjoying the rewards of the afterlife, close to family and friends and close to God.

Suffering is a natural part of a believer’s life. God does not ask us to stoically control our emotions, never letting any suffering show, to prove that we are faithful. Jacob was a prophet of God, and yet he cried so much after his son was believed dead that his eyes turned blind. There is no shame in sadness. God does not ask us to be super-human, but to keep faith alive in our hearts as we are subjected to life’s joys and sorrows.

Isn’t it Unkind for God to Punish His Creatures?

Think of God as Light. By staying close to Him, by following His commandments, we ensure our eternal good. No one is perfectly close to Him, each person is at some degree of distance. Eternal punishment is only for those who knowingly stray so far away from the Light that they knowingly wallow in complete darkness. Anyone who stays within the merest flicker of Light may gain God’s forgiveness and eternal reward.

Eternal punishment is necessary because that is the only way of ensuring that evil-doers don’t get away with their evil deeds. Many Jews (and Christians too) have become corrupted by the idea that they are God’s chosen children and that no matter what they do, they will eventually be forgiven. This is a highly dangerous thing to believe, because once you believe that you will never be punished eternally, then you can get away with anything. If you are an Israeli settler, who cares if you take over other people’s lands with violence. You are God’s Chosen, and you will be forgiven.

Once the idea of eternal justice is corrupted, then from that all evil follows. Even if people believe in an afterlife, if they think that there will be a limit on their punishment term, that they will burn for a thousand years and then will be freed to enjoy life for the rest of eternity, then many of them will not find it so bad to devolve utterly into sin, since they will eventually get away with it.

To preserve justice, people should not be able to get away with their crimes. During their lifetimes God gives them thousands of opportunities to repent and become better people. God believes that a human lifetime is sufficient to distinguish good people from bad, that it contains enough opportunities for humans to prove whether they deserve eternal good or eternal punishment. Every hour of every day contains opportunities for us to change, for better or for worse, and these small changes mount. There is a Light in this world and we can choose to either walk toward it or away from it every hour of every day. Every time we take a step away from it, we do it in the full knowledge that we have the chance to take a step toward it instead.

If we spend all of our lifetimes walking away from the Light by knowingly doing evil, we shouldn’t be surprised when one day we find ourselves in total darkness, hopeless of ever finding the Light again. It was our own choices that brought us here. For years and decades we had the option to turn back and walk toward the Light again, our consciences kept reminding us that we still had a chance to return to God, that God’s door was wide open to us, but instead we decided to keep walking away, chasing our shadow instead of chasing the Light.

Once a person falls into total darkness through their own choices, there will no longer be a point to extending their lives to let them come back. This is what Scripture claims, that once a person is totally surrounded by their evil deeds, they will never come back toward the Light. There is a point of no return, meaning that a person who crosses this point, even if given a lifetime of a hundred thousand years, it will not make a difference in their fate.

In fact, the Quran claims that such evil people, even if taken to the afterlife and shown all of the signs of God’s greatness, then brought back to earth, they will continue to be evil. Among some Christians there is the belief that people, no matter how bad, can be made to become good through education and reformation. The Quran, always unabashedly realistic, has a more satisfactory view, that guidance can only be had with God’s blessing, that even if someone fully understands God and believes in Him, they can still choose to be evil. The Quran goes beyond this, saying that once a person fully devolves into evil, not only will they become unreformable, but that God will actively prevent any reform, because they’ve done sufficient evil to seal their fate (as in the case of the Pharaoh of Egypt in the story of Moses).

If you could but see when they are made to stand before the Fire and will say, “Oh, would that we could be returned [to life on earth] and not deny the signs of our Lord and be among the believers.”

But what they concealed before has [now] appeared to them. And even if they were returned, they would return to that which they were forbidden; and indeed, they are liars.

And they say, “There is none but our worldly life, and we will not be resurrected.”

If you could but see when they will be made to stand before their Lord. He will say, “Is this not the truth?” They will say, “Yes, by our Lord.” He will [then] say, “So taste the punishment because you used to disbelieve.”

Truly, they have lost, those who deny the meeting with God , until when the Hour [of resurrection] comes upon them unexpectedly, they will say, “Oh, [how great is] our regret over what we neglected concerning it,” while they bear their burdens on their backs. Unquestionably, evil is that which they bear.

And the worldly life is nothing but amusement and diversion; but the home of the Hereafter is best for those who fear God, so will you not reason?
[Quran 6:27-32]

The average person might be a sinner, but they do not fight against God every chance they get, and at the time of death they will likely possess enough light to be eligible for God’s forgiveness.

What are some examples of people who deserve eternal punishment? Usurers and their central bankers, who knowingly enslave millions to an evil, unnatural type of debt to enrich themselves, who orchestrate economic bubbles and bursts to reap trillions of dollars in profit while destroying the livelihoods of millions of families, and who plunge countries like the US into war after war, knowing that hundreds of thousands of innocent people will be killed, just so that they can earn their trillions financing these wars. A just God will not let these people go unpunished, and their punishment will not be something they can laugh at, it will not be a slap on the wrist like the US government gives to the usurers at Goldman Sachs every year when they are caught manipulating markets and destroying parts of the economy to enrich themselves. It will be something that will make them cry every single day for eternity.

I will not believe in a God who lets these people get away with the immense evil they do.


People make the mistake of considering this world their permanent home. They become attached to its blessings and disasters, and they think they can judge God based on what happens in their lives. But this world is nothing more than a tool for distinguishing God’s true friends from His fair-weather friends, and distinguishing these from His true enemies.

This world is nothing more than a preparation for the eternity of the afterlife. We would be wise not to become attached to its ups and downs, and to know that these are the days given to us by God in which we can prove ourselves to Him.


I originally published this essay as a short ebook on Amazon in 2015. I’ve decided to publish it for free here on my website, after thoroughly rewriting it, so that more people may (hopefully) benefit from it.

Why the Banks are So Powerful and Why the Bible and the Quran Forbid Usury: Charting How Interest Creates Obscene Wealth Inequality

Imagine if in 1913 the real economy of the US had $100 billion in capital, while the banks and money-lenders had only $1 billion. Given everyday economic circumstances, by 2017, the wealth of the real economy would have grown to $2163 billion (with a 3% economic growth rate). Meanwhile, the wealth of the banks and money-lenders during the same period would have grown from $1 billion to $3806 billion. Starting at only 1% of the wealth of the real economy, within just over 100 years, the financial sector grows to 175% the size of the real economy.

This is the heart and soul of usury; the reason why banks are so powerful, and the reason why usurers have been hated with visceral hatred throughout history. The usury sector uses the law to enforce an alternate reality where their profits grow faster than the real economy. If they were honest investors, their money would be directly invested into the economy, so that their wealth would grow (and shrink) with the real economy. But through the hateful invention of usury, they create an alternate reality where their wealth always grows faster than the real economy.

The chart assumes a relatively low business loan interest rate of 5%, and a high delinquency rate of 6.75% (the highest recorded by the St. Louis Fed between 1987 and 2016), and a high (usurer-unfriendly) reserve ratio of 33% (the lower the reserve ratio, the faster the wealth money-lenders grows, as they earn more interest on their capital).

Wherever the usurers take control of an economic system, within a short span of time their wealth grows so that they own most of the economy; its largest companies, its real estate market, its mainstream media, its academia. In the United States, through neo-liberal usurer economics, they have entirely shut down any honest examination of the evils of usury. Through their control of the media, interest and usury are taken for granted, and the mostly-Christian peasant class of the West is made to think of mortgages as an “investment”, rather than a tremendous risk that enslaves them to debt.

Usury is evil because, on a macro scale, it passes off most risks to the borrower, and most profits to the lender. When a usurer lends money at 5% interest to a town’s businesses, some of these businesses will make a profit, and some will make a loss. If the town’s economy grows at 3% during the year, it means some businesses made a profit on the money they borrowed, and some made a loss, so that on average there was a profit of 3% and a loss of 2%. To the usurer, none of this matters. He gets to charge 5%, pretending that the economy grew at 5%, so that after the year passes, he ends up with close to a 5% profit, while the town ends up with a profit of 3%. This gives him an annual profit advantage of 2%. Within just a few years his profits grow so fast that he will afford to buy up more and more of the town’s land, housing and businesses, until he gains near-total control of the town’s economy, and manages to extract rent and profit from every nook and cranny of it. Below is a chart of this process over 20 years, assuming both the money-lender and the townsfolk have $10 million at the beginning.

The chart only shows the money-lender’s wealth growth from his interest income. But as his wealth grows, he will invest the surplus wealth into buying up land, houses and business, so that his real wealth growth would be quite larger after 20 years.

The usurers at the Federal Reserve, Wall Street and the Chicago School of Economics would have you believe that the above situation is unavoidable, that it is just a fact of life, and that if you dislike money-lenders for their profiteering and rent-seeking, you are just hating them for their wealth.

What is never mentioned is that there is a way for the wealthy to invest their wealth without creating wealth inequality and giving themselves such an obscene advantage over the population, and that method is simply honest investment, what I call Socratic Finance, as Socrates mentions it in Plato’s Republic. It is to make the lender and the borrower share in their fair portion of risk and gain.

How is this magic performed? By prohibiting the charging of interest, as it used to be the law of England (look up the 1552 AD Act Against Usury of King Edward VI). According to the 1599 Geneva Bible Notes (written by John Calvin and other Puritans),

To the bankers and money changers. Usury or loaning money at interest is strictly forbidden by the Bible, (Exo 22:25-27; Deu 23:19-20). Even a rate as low as one per cent interest was disallowed, (Neh 5:11)1

When the charging of interest is prohibited, money-lenders are prevented from increasing their wealth exponentially, without regard to the actual economy. They are made to invest in the real economy, and to share in its profits and losses. If the town’s money-lender cannot practice usury, and has $10 million in wealth compared to the town’s $10 million, he would be forced to spend his money investing in the real economy by buying businesses or starting new businesses, creating jobs in the process, and raising wages, as he has to compete with other business for available talent. Some of these endeavors would make a profit, and others would make a loss. If the town’s economy grows at 3%, and if his investments are spread throughout the town’s economy, then he would make a 3% profit along with the town, so that after a year, he wouldn’t be any more richer or poorer than the rest of the town as a whole. Everyone’s wealth would increase equally, so no income inequality is created.

If he wants to invest his money to finance housing, instead of using the corrupt practice of mortgaging, he would offer up houses on a rent-to-own basis.

In a normal mortgage, a person is made to carry the burden of a $300,000 loan while the money-lender continues to own the house. In the case of default, the money-lender gets the house back, sells it, and if it sells for less than the outstanding loan amount, he goes after the borrower for the rest of the principal. Most mortgage defaults happen during times of financial crises, when people lose jobs, and when houses lose value. If the home was mortgaged at $300,000, during a crisis it would sell for only $200,000. If the buyer had paid $20,000 of the principal off, they would lose the house, and still owe $80,000 to the usurer.

But Socratic home financing is a world apart from this. If a person gets a Socratically-financed home, and then is unable to make payments, the investor gets the house back and sells it, and the home-buyer gets his principal share of the house back. If he had paid off 20% of the principal, he would get 20% of the house’s sale price. In a Socratically-financed home, the buyer always gets some money back in the case of default, as there is no loan involved, it is real ownership transfer of the house. In hte previously mentioned case of the $300,000 house, the buyer would get $40,000 back after foreclosure, instead owing $80,000.

Over the past 400 years, most Christians have continued the tradition of being utter disgraces to the name of Christ, so that today even the Vatican funds its operations through usurious lending. Even the Amish practice usury.

If but a probable suspicion arose
of a man to occupy that filthy trade
He was taken for a devil in the likeness of a man.
But good Lord, how is the world changed?

That which infidels2 cannot abide, Gospellers allow,
That which Jews take only of strangers
and will not take of their countrymen for shame,
That do Christians take of their dear friends
and think for so doing they deserve great thanks.

Thomas Rogers (Anglican theologian, ca. 1555-1616)

Today’s usurers try to absolve themselves from their sins, and whitewash their actions, through the practice of philanthropy. Almost every wealthy usurer is described as a “philanthropist” on Wikipedia. They gain billions by squeezing the life out of the economies that play host to them, using usury to drive a wedge into the economy and extract rent from it, then they spend a few hundred million funding hospitals, museums and universities, and lo and behold! They are philanthropists, not utter disgraces to the name of humanity and to all that is good and holy. It is to this usurer trick of philanthropy that Rabbi Hermann Adler, Chief Rabbi of the British Empire from 1891 to 1911, refers when he says:

No amount of money given in charity, nothing but the abandonment of this hateful trade, can atone for this great sin against God, Israel and Humanity.

Forecasting the World’s Top 50 Most Powerful Countries in 2035 Using the HQI

The following table is a list of 50 countries that are predicted to have the most economic, technological and military in the world by the year 2035. The projected power of the United States is set to 100 to make it easy to compare other countries with it. China’s projected power is 251.6, meaning it will be more than double as powerful as the United States in 2035.

The population is projected based on the average of a linear regression of population growth rates between 1995 and 2015. If a country’s population growth rate was 3% in 1995 and 2% 2015, it is assumed that in 2035 the population growth rate will be 1%. The average of the 2015 and 2035 growth rate is taken (1.5%), and this is recursively applied 20 times to arrive at the 2035 population. This is somewhat crude but good enough for our purposes.

The HQI is the Human Genetic-Cultural Quality Index, a measure of a population’s capacity for intellectual achievement and technological innovation, by taking into account a country’s scientific output and real (Smithian) economic growth. China’s HQI is 856 while the HQI of the United States is 1372, meaning each Chinese citizen adds a relative value of 856 to China’s economy, while each American citizen adds a value of 1372. The HQI indicates the “quality” (as opposed to quantity) of the human capital of a country.

By multiplying a population’s count by its HQI, we arrive at a number that indicates the total power for innovation in the population as a whole. In 2035, India will have more people than China (1.52 billion versus 1.46 billion), but since China’s HQI is higher (i.e. since its population is of higher genetic-cultural quality), its power and might will be consequently larger. In fact, China will be five times more powerful than India in 2035, and 2.5 times more powerful than the United States. It will be the most powerful country in the world by a wide margin.

Iran gets an advantage over Russia due to its higher economic growth, fast growing population, and its higher scientific output per capita (25% higher than that of Russia). However, many of Russia’s recent troubles have been due to economic warfare from Wall Street, therefore it is highly unlikely that it will ever be less powerful than Iran. As the HQI is updated over the next few years, Russia’s numbers should improve significantly.

Qatar and Saudi’s high HQI numbers are largely due to their importation of foreign scientists to carry out research in their universities and are not indicative of native capabilities.

It is unlikely that Germany will be less powerful than the United Kingdom in 2035. The HQI of the UK is inflated by the UK’s higher output in the “soft” sciences. Germany actually outdoes the UK in many important scientific fields, such as energy, engineering, physics, astronomy, mathematics and chemical engineering. The UK is superior in medical research.

South Korea produces far more science per capita than Japan, and its economy is growing fast. Both of these factors go toward its much higher HQI compared to Japan (1627 vs. 605). South Korea’s actual advantage may be smaller, and it seems unlikely that it will actually be more powerful than Japan.

Country Projected 2035 Population HQI Relative Economic, Technological and Military Power in 2035
1 China 1,464,562,493 856 250.46
2 United States 364,631,940 1372 100.00
3 India 1,520,438,646 162 49.24
4 United Kingdom 79,223,389 1818 28.79
5 Germany 93,984,408 1218 22.88
6 Australia 31,623,131 3561 22.51
7 France 72,157,368 1165 16.80
8 South Korea 50,400,996 1627 16.39
9 Canada 42,699,016 1859 15.87
10 Brazil 225,917,248 332 14.99
11 Japan 117,049,007 605 14.15
12 Iran 100,194,389 626 12.53
13 Italy 61,510,122 945 11.62
14 Spain 44,357,325 1277 11.33
15 Turkey 101,374,566 479 9.70
16 Russian Federation 149,971,486 312 9.35
17 Switzerland 10,987,401 3910 8.59
18 Poland 37,352,026 1120 8.37
19 Netherlands 18,189,750 2238 8.14
20 Taiwan 22,039,541 1717 7.56
21 Sweden 12,588,464 2775 6.98
22 Saudi Arabia 43,095,570 768 6.61
23 Nigeria 312,375,890 97 6.05
24 Singapore 5,924,284 4823 5.71
25 Malaysia 36,376,961 756 5.50
26 Israel 10,953,808 2410 5.28
27 Egypt 132,313,330 198 5.23
28 Belgium 12,642,382 2058 5.20
29 South Africa 70,569,040 292 4.12
30 Iraq 68,203,001 295 4.03
31 Norway 6,858,738 2925 4.01
32 Austria 10,735,422 1859 3.99
33 Czech Republic 11,684,419 1569 3.66
34 Pakistan 272,264,022 66 3.59
35 Denmark 6,374,946 2812 3.58
36 Mexico 152,508,904 110 3.37
37 New Zealand 6,972,004 2352 3.28
38 Hong Kong 7,811,688 1997 3.12
39 Qatar 4,879,996 2815 2.75
40 Argentina 50,278,252 253 2.54
41 Finland 5,873,345 2034 2.39
42 Portugal 8,783,800 1359 2.39
43 Thailand 68,077,965 174 2.37
44 Chile 21,146,173 535 2.26
45 Ireland 5,233,086 1959 2.05
46 Indonesia 314,805,429 29 1.84
47 Romania 19,228,586 475 1.83
48 Colombia 55,052,245 163 1.80
49 Greece 8,774,644 934 1.64
50 Algeria 58,570,388 129 1.51

Please see my essays on the HQI and the 12-Year Min-Max Average for the fine print regarding how the above numbers were calculated. Most of the data is from the World Bank. Taiwan’s population growth rate was taken from as it is missing from the World Bank data.

Below is the same table with the nitty-gritty details exposed, and with seven bonus countries at the end.

Country 2015 Citable Scientific Documents 2015 Population 1995 Population Growth Rate 2015 Population Growth Rate 2035 Projected Population Growth Rate Projected Annual Population Growth Rate (Mean of 2015 & 2035 Rates) Projected 2035 Population Average Real Annual Economic Growth (2004-2015) [12-Year Min-Max Method] HQI Relative Power in 2035
1 China 416,409 1,401,586,609 1.1 0.5 -0.1 0.2 1,464,562,493 10.5 856 250.46
2 United States 567,007 325,127,634 1.2 0.8 0.4 0.6 364,631,940 0.5 1372 100.00
3 India 123,206 1,282,390,303 1.9 1.2 0.5 0.9 1,520,438,646 7.1 162 49.24
4 United Kingdom 169,483 63,843,856 0.3 0.8 1.4 1.1 79,223,389 -0.6 1818 28.79
5 Germany 149,773 82,562,004 0.3 0.5 0.8 0.7 93,984,408 -0.8 1218 22.88
6 Australia 82,567 23,923,101 1.2 1.3 1.5 1.4 31,623,131 3.0 3561 22.51
7 France 103,733 64,982,894 0.4 0.5 0.6 0.5 72,157,368 -0.1 1165 16.80
8 South Korea 73,433 49,750,234 1.0 0.4 -0.3 0.1 50,400,996 3.6 1627 16.39
9 Canada 89,312 35,871,283 0.8 0.9 0.9 0.9 42,699,016 0.1 1859 15.87
10 Brazil 61,122 203,657,210 1.5 0.9 0.2 0.5 225,917,248 3.7 332 14.99
11 Japan 109,305 126,818,019 0.4 -0.1 -0.7 -0.4 117,049,007 -0.4 605 14.15
12 Iran 39,727 79,476,308 1.4 1.2 1.1 1.2 100,194,389 5.0 626 12.53
13 Italy 95,836 61,142,221 0.0 0.0 0.0 0.0 61,510,122 -1.7 945 11.62
14 Spain 79,209 47,199,069 0.2 -0.1 -0.5 -0.3 44,357,325 0.3 1277 11.33
15 Turkey 39,275 76,690,509 1.6 1.5 1.4 1.4 101,374,566 2.3 479 9.70
16 Russian Federation 57,881 142,098,141 0.0 0.2 0.4 0.3 149,971,486 0.4 312 9.35
17 Switzerland 39,358 8,238,610 0.7 1.2 1.7 1.5 10,987,401 1.0 3910 8.59
18 Poland 37,285 38,221,584 0.1 0.0 -0.2 -0.1 37,352,026 4.2 1120 8.37
19 Netherlands 51,434 16,844,195 0.5 0.4 0.4 0.4 18,189,750 0.0 2238 8.14
20 Taiwan 34,011 23,381,038 0.8 0.1 -0.7 -0.3 22,039,541 4.5 1717 7.56
21 Sweden 35,039 9,693,883 0.5 1.1 1.6 1.3 12,588,464 0.4 2775 6.98
22 Saudi Arabia 17,529 29,897,741 2.6 2.1 1.6 1.8 43,095,570 5.9 768 6.61
23 Nigeria 5,112 183,523,432 2.5 2.6 2.8 2.7 312,375,890 18.2 97 6.05
24 Singapore 17,976 5,618,866 3.0 1.2 -0.7 0.3 5,924,284 7.3 4823 5.71
25 Malaysia 23,414 30,651,176 2.5 1.4 0.3 0.9 36,376,961 3.0 756 5.50
26 Israel 18,040 7,919,528 2.7 2.0 1.3 1.6 10,953,808 3.7 2410 5.28
27 Egypt 14,800 84,705,681 1.9 2.1 2.4 2.3 132,313,330 4.5 198 5.23
28 Belgium 29,180 11,183,411 0.2 0.5 0.8 0.6 12,642,382 0.7 2058 5.20
29 South Africa 17,409 53,491,333 2.2 1.7 1.1 1.4 70,569,040 2.0 292 4.12
30 Iraq 1,793 35,766,702 3.1 3.2 3.4 3.3 68,203,001 27.8 295 4.03
31 Norway 18,228 5,142,842 0.5 1.1 1.8 1.5 6,858,738 1.2 2925 4.01
32 Austria 21,818 8,557,761 0.2 0.8 1.5 1.1 10,735,422 -0.1 1859 3.99
33 Czech Republic 20,759 10,777,060 -0.1 0.3 0.6 0.4 11,684,419 1.0 1569 3.66
34 Pakistan 10,962 188,144,040 2.5 2.1 1.7 1.9 272,264,022 4.6 66 3.59
35 Denmark 23,081 5,661,723 0.5 0.6 0.6 0.6 6,374,946 -0.6 2812 3.58
36 Mexico 18,417 125,235,587 1.9 1.3 0.7 1.0 152,508,904 0.2 110 3.37
37 New Zealand 13,052 4,596,396 1.5 1.9 2.3 2.1 6,972,004 1.3 2352 3.28
38 Hong Kong 14,710 7,313,557 2.0 0.9 -0.2 0.3 7,811,688 3.1 1997 3.12
39 Qatar 2,766 2,350,549 1.2 2.9 4.6 3.7 4,879,996 14.9 2815 2.75
40 Argentina 11,815 42,154,914 1.3 1.0 0.8 0.9 50,278,252 2.2 253 2.54
41 Finland 17,551 5,460,592 0.4 0.4 0.4 0.4 5,873,345 -1.5 2034 2.39
42 Portugal 21,159 10,610,014 0.4 -0.5 -1.4 -0.9 8,783,800 -0.8 1359 2.39
43 Thailand 11,632 67,400,746 0.9 0.3 -0.2 0.1 68,077,965 3.4 174 2.37
44 Chile 10,347 17,924,062 1.5 1.0 0.6 0.8 21,146,173 2.5 535 2.26
45 Ireland 11,370 4,726,856 0.5 0.5 0.5 0.5 5,233,086 1.1 1959 2.05
46 Indonesia 6,280 255,708,785 1.5 1.2 0.9 1.0 314,805,429 5.5 29 1.84
47 Romania 13,053 21,579,201 0.0 -0.4 -0.8 -0.6 19,228,586 0.7 475 1.83
48 Colombia 7,500 49,529,208 1.7 0.9 0.2 0.5 55,052,245 4.3 163 1.80
49 Greece 16,616 11,125,833 0.5 -0.6 -1.7 -1.2 8,774,644 -1.7 934 1.64
50 Algeria 5,171 40,633,464 1.9 1.9 1.8 1.8 58,570,388 3.8 129 1.51
51 Serbia 6,540 9,424,030 -1.4 -0.5 0.5 0.0 9,490,218 3.0 663 1.26
52 Tunisia 6,228 11,235,248 1.9 1.0 0.1 0.5 12,525,418 2.2 493 1.23
53 Hungary 9,478 9,911,396 -0.1 -0.2 -0.3 -0.3 9,408,537 -0.8 653 1.23
54 Viet Nam 4,092 93,386,630 1.6 1.1 0.5 0.8 109,194,988 6.4 55 1.20
55 Slovakia 6,271 5,457,889 0.3 0.1 -0.1 0.0 5,463,349 2.7 1068 1.17
56 Morocco 4,079 33,955,157 1.5 1.3 1.1 1.2 43,445,867 5.0 134 1.16
57 Ukraine 8,868 44,646,131 -0.8 -0.4 0.1 -0.1 43,369,074 -1.4 129 1.12


Measuring Economic and Military Potentials of World Nations with the Human Genetic-Cultural Quality Index (HQI)


What is the biggest predictor of a country’s scientific output, industrial capacity and military prowess? It is not geographic size. For instance, Kazakhstan and Mongolia are huge compared to Israel and Switzerland, yet Israel and Switzerland far outdistance them in all measures of intellectual, technological and military attainment.

It is not population. India’s 1.28 billion people are close in size to China’s 1.4 billion. And India has been a West-connected capitalist country since its independence in 1947, while China only started in the 1980’s. Yet China far outstrips India in all measures of technological and military power.

It is not natural resources. Russia has vastly more natural resources than Germany. Yet Germany’s economy is many times that of Russia, and its scientific output is double that of Russia, even though Russia’s population is close to double that of Germany.

The most important predictor of a country’s power and accomplishment is the nature of its population. A country’s most precious natural resource is its citizens. It is the genetic makeup of a population, enabled by supportive cultures, institutions and infrastructure, that predicts the country’s power and capabilities.

The book IQ and the Wealth of Nations by professors Richard Lynn and Tatu Vanhanen makes a powerful argument for the importance of IQ in predicting a country’s power and prosperity, with IQ being a highly heritable (genetically-mediated) trait. While some of the data they use is not reliable, the general force of their argument is undeniable. The data used by Adam Smith and Charles Darwin were none too reliable either, but that didn’t stop their theories from being world-class accomplishments.

IQ is not everything. Japan’s IQ is in the same league as Germany and Sweden. Yet Swedes produce four times more science per citizen than the Japanese (measured in scientific papers published in peer-reviewed journals). Germans produce double the amount of science per citizen than the Japanese. An argument can be made that Japan’s infrastructure has yet to catch up with that of Western Europe. But Japan has had more than enough time (seven decades, in fact) to catch up. And a look at Japan’s infrastructure shows that they might even be ahead of Western Europe when it comes to infrastructure.

The factors that lead to Japan’s low accomplishment relative to Western Europe could be other genetic factors not widely studied. One factor could be Japan’s low testosterone levels compared to Europe, with testosterone being a significant contributor toward the drive for accomplishment1. Another factor could be aging. An aging population is going to be less productive than a younger one. Another factor could be non-genetic; for example cultural practices and ideals, although these factors are not independent of genetics and should be considered together with genetics2.

The Human Genetic-Cultural Quality Index

The HQI, short for the Human Genetic-Cultural Quality Index, takes account of both genetic and cultural factors to accurately predict a country’s real scientific, economic and military potential. It is a measure of the quality of human capital, a nation’s most important natural resource, and provides a single number that can be used to compare the quality of the human capital of different nations.

The math of the HQI will be explained below. For now, I will offer certain examples from it to illustrate the concept. Ukraine has an HQI of 129, while Russia’s HQI is 311. This means that a Russian citizen adds 2.6 times more value to Russia’s economy and scientific output than a Ukrainian citizen adds to Ukraine’s economy and scientific output. The quality of Russia’s human capital is 2.4 times that of Ukraine’s human capital. Even if Russia and Ukraine had exactly the same population (let’s say each had a population of 150 million), Russia would still be 2.4 times as powerful as Ukraine. Today, Russia’s population is 3.15 times as large as Ukraine’s (143.5 million vs. 45.49 million). Multiplying this by the 2.4 times HQI advantage, we arrive at a factor of 7.59. Russia is, or will be, 7.59 times as powerful as Ukraine when both countries reach their near-full development potential, perhaps in the next 20 years.

China’s HQI is 855. India’s is 162. Even if both countries had the same population, China would still be 5.2 times as powerful as India once both countries reach their near-full development potential.

The HQI uses two data points as predicting variables:

  1. Scientific papers per capita, which refers to the number of scientific papers published in a year by the nation, divided by its population. This measures the intellectual capacity of the nation’s population.
  2. Real economic growth rate. When a nation’s economy is growing fast (such as that of China), it shows that the nation’s institutions and infrastructure haven’t reached their full potential. The economic growth rate is used to correct for this fact. For instance, China’s papers per capita is only three times that of India’s. But China’s real 12-year average annual economic growth rate is 10.5%, while India’s is 7%. This means that the economic and scientific potential of China’s human capital has significantly more room to grow than India’s, as will be further illustrated down below.

The (real) economic growth rate of a nation expresses elasticity of human potential for a given nation. If growth is faster, improvements in infrastructure and institutions lead to big gains in the human potential of the nation, i.e. that the human potential of the nation is being held back by infrastructure and institutions, and that as these improve, so will the output of the nation’s human capital.

A slow economic growth rate indicates one of two things:

  1. The nation has reached close to its full potential, so that its human capital is already working at its full capacity. This is the case with slow-growing developed nations like Japan and the Netherlands.
  2. The quality of the nation’s human capital is so low that while theoretically there is a lot of room for growth given the nation’s circumstances, that growth is being held back by human capital that’s not capable of achieving it. This is true in the case of various African and Latin American countries that have everything they could possibly need for growth, except a population that’s actually capable of said growth.

The history of colonization shows the importance of the genetic and cultural factors that go into the HQI. Any nation that becomes colonized by a high HQI population will quickly grow to reflect the home population’s intellectual prowess, rather than the native population’s destitution. This has been true in the United States, Australia, Argentina, New Zealand and South Africa.

The most recent example comes from Israel. When Israel was colonized by Ashkenazi Jews that had been selected for high IQ in Europe during their 2000 year stay there3, Israel’s economy quickly grew to reflect a developed European nation, rather than a typical Middle Eastern backwater. It grew even above Eastern European nations, though it doesn’t seem likely it can surpass Germanic nations, as it has already had all the time and help it needs to achieve this.

The Mathematical Model

For any given nation and year, this is how the HQI basis number is calculated:
With a being the number of peer-reviewed scientific journal articles published in the year, b being the 12-year min-max average of economic growth4 for that year and the preceding 11 years, and c being the population of the nation in that year.

China published 416409 peer-reviewed scientific journal papers in 2015. Its annual economic growth rate was 10.545 for the period 2004-2015 inclusive. And its population in 2015 was 1401586609 (1.4 billion). The equation to calculate the HQI basis number thus becomes:

This results in a number of 0.001162729158. Since this is not a user-friendly number, the numbers for all nations are all multiplied by the arbitrary value of 735853.761, which gives an HQI of 1 to the lowest HQI country. This provides an easy-to-follow ground to which other countries can be compared. China’s HQI thus becomes 855.59. This means that a Chinese citizen adds a value to China’s economy that is 855.59 times greater than the value added by a citizen of the lowest HQI country to their respective economy (which happens to be the Democratic Republic of the Congo).

Raising the number of a country’s scientific papers to a power of (1 + its economic growth rate) is a mathematical trick that models both of these scenarios:

  1. Scientific output growth that continues at the rate of the country’s past economic growth rate for the next 11 years.
  2. Scientific output growth that starts off at the country’s average past economic growth, and then slows down by 6.95% every year over the next 30 years.

The assumption here is that a country’s scientific output will continue growing at the rate of the country’s past economic growth over its past 12 years. This may seem a strange assumption, since a country’s future growth cannot be assumed to follow at the same rate as its past growth.

In fact, the correct assumption is that its economic growth will be quite lower. But what we are modeling here is not economic growth, it is growth in scientific output, whose future growth follows along the lines of a country’s past economic growth.

An example will make this clear. South Korea’s GDP grew from $771 billion USD in 2004 to $1.14 trillion in 2015 (all in 2000 dollars), a growth of about 48%. During the same period, its scientific output rose from 31182 papers in 2004 to 69469 papers in 2015, a growth of 122%, more than double its economic growth.

The growth in South Korea’s scientific output from 2004 to 2015 is actually similar to its GDP growth from 1989 to 2003 ($332 billion to $735 billion, a growth of 122%).

In short, scientific output is a lagging indicator of a country’s development, due to the amount of past investment necessary for its growth. No matter how much a country invests into increasing its scientific output, the tangible fruits of said investment will be over a decade in the future. The exception being countries like Saudi Arabia who rapidly increased their scientific output by importing foreign scientists.

India’s scientific output grew from 33031 papers in 2004 to 113144 papers in 2015, a growth of 242%. During the same period, its inflation-adjusted GDP grew from $0.971 trillion to $2.03 trillion, a growth of 109%. The growth in its scientific output was more than double the growth in its economic output.

Its growth, in fact, was similar to its GDP growth from 1981 to 2003. The reason for its slow economic growth over this period may have been its low-effectiveness gene-culture (low IQ, etc.), and its low urbanization rate accompanied by its vast size, that meant it took far longer than South Korea to build the infrastructure and institutions necessary to support effective scientific research.

This phenomenon of scientific growth growing far faster than economic growth can be seen throughout the world. Needless to say, a more rigorous study of the relationship between scientific output and past economic growth can be done. But we can take it as a general rule that past economic growth predicts future scientific output growth.

China’s Coming Supremacy

Raising China’s 2015 scientific paper count of 416409 to a power of 1.105 (1 + its economic output over 2004-2015) results in 1620204, or 1.62 million. What this means is that once China reaches close to its full economic potential (perhaps after 2030), it will be producing about 1.62 million scientific papers every year. Compare this to the 567000 scientific papers published by the United States in 2015, which, according to the same HQI calculation, will grow to 606000 during the same period. In other words, in the next 20 or more years, China’s scientific output will be 2.67 times as large as that of the United States.

While this may sound controversial to someone who has been wooed by the nascent racism of neocons, globalists and central bank usurer economists in their propagandizing the idea that the US can somehow maintain a permanent technological edge over China, that despite China’s enormous growth and a scientific output that is closely approaching that of the United States, that there is something wrong with the Chinese that will forever keep them as second-class citizens on the world stage, to someone who understands the history of Japan and South Korea’s growth, and who understands the realities of the gene-culture, this conclusion of China’s approaching supremacy is merely stating the obvious.

Using the HQI for Comparative Study of Gene-Cultures and National Potentials

Below is a list of the world’s highest HQI nations (the full list is at the end), for the reader’s viewing pleasure, and to help you follow along the rest of the essay.

Rank Country 2015 Citable Scientific Documents 2015 Population Average Real Annual Economic Growth (2004-2015) [12-Year Min-Max Method] HQI Predicted Scientific Output at Near-Full Potential (2035 and After)
1 Singapore 17,976 5,618,866 7.32 4823 36,824
2 Switzerland 39,358 8,238,610 1.01 3910 43,774
3 Australia 82,567 23,923,101 2.99 3561 115,764
4 Iceland 1,365 336,728 2.41 3549 1,624
5 Norway 18,228 5,142,842 1.17 2925 20,445
6 Qatar 2,766 2,350,549 14.88 2815 8,991
7 Denmark 23,081 5,661,723 -0.65 2812 21,633
8 Sweden 35,039 9,693,883 0.41 2775 36,556
9 Monaco 129 38,320 1.64 2683 140
10 Luxembourg 1,692 543,261 1.51 2564 1,893
11 Israel 18,040 7,919,528 3.71 2410 25,938
12 New Zealand 13,052 4,596,396 1.25 2352 14,693
13 Netherlands 51,434 16,844,195 -0.03 2238 51,239

While the Qatari population have a higher IQ, and are more liberal, than most other Arab populations (perhaps with the exception of Lebanese Christians), their high HQI is strongly a result of their importation of foreign scientists on the one hand, and their fast growing oil revenue on the other, the latter funding the former.

Germanic nations have the highest HQI in the world. Switzerland and Iceland, with their relatively low immigration rates, show the high productivity of Germanic genes and cultures. Australia, Denmark, Norway, Sweden, New Zealand and the Netherlands, with their Germanic roots, follow along the same lines.

The table shows how the HQI can be used to compare the genetic-cultural quality of any two countries. Iceland’s HQI of 3548, divided by the 2238 HQI of the Netherlands, results in a 58% advantage for the Icelandic people. Icelandic people are 58% more capable and productive than Netherlanders, and if the two countries had the same population, Iceland would be 58% more powerful militarily, technologically and economically.

Israel’s high HQI is influenced by its high economic growth, a large portion of which comes from its cozy relationship with the United States (US intelligence agencies, for example, are reliant on many Israeli technology companies). It’s highly unlikely that its population is more capable than that of the Netherlands or New Zealand. This shows that the HQI is not immune to aberrations, similar to all other methods, as reality is full of aberrations caused by disasters, sanctions, wars and political changes.

But regarding Israel, the HQI shows one very important result: Israel is already close to its full scientific potential. Over the next 30 years or so, its scientific output can grow from 18040 papers to 21631. No great improvement can be expected from Israel, and given its precarious political situation, even this much growth may not be possible, though stranger things have happened.

Changes in HQI Reflect Fundamental Genetic-Cultural Changes in a Nation

Far more interesting than a country’s economic growth is HQI growth. The HQI itself is a measure of growth potential, HQI growth means growth in the growth potential. When a nation climbs toward a peak in achievement, economic growth refers to this climb. HQI growth refers to an increase in the height of the peak, a removal of constraints that prevent a nation from reaching the heights reached by other nations.

China’s 2015 HQI was 6.4% lower than its 2010 HQI. This means that between 2010 and 2015, there were some forces in effect that reduced China’s genetic-cultural fitness, or economic fitness, so that while it continued to grow fast, its predicted near-full potential decreased. This was mostly caused by a large drop in the number of scientific papers published by China in 2015. I have contacted SCImago to find out whether this change was due to changes in their paper counting methodologies or whether it was due to a real drop in China’s output. If it was a real drop, maybe it was due to China’s best and brightest aging and retiring, or due to growing practice of usury creating a Western European-style of stagnation faster than expected, or due to some unknown dysgenic effect.

From 2010 to 2015, Ethiopia’s HQI increased by 173%. This is a very, very good sign. It means that there are genetic-cultural changes that are improving the nation’s future potential, or that there are bottlenecks that are being overcome. Not only is the nation climbing toward the peak, the peak itself is growing. Perhaps it is due to improvements in nutrition and health care, or beneficial cultural changes, or both. The actual beneficial change is probably smaller.

Poland has been Europe’s favorite backwater since at least Adam Smith’s time. What does the HQI tell us about what is going on in there? From 2010 to 2015, Poland’s HQI increased by 21.9%. There are forces at work in Poland that are increasing its population’s genetic-cultural fitness, so that whatever we believed Poland’s maximum growth potential to have been in 2010, in 2015 that maximum growth potential was 21.9% higher.

The HQI of the United States decreased by 12.3% from 2010 to 2015. This means that there are forces at work reducing the genetic-cultural fitness of America’s average citizen. One simple explanation could be the increase in immigration from lower HQI nations, who increase the population of the US without significantly increasing its economic and scientific output. Keeping population constant, the HQI still decreased by 8.9%, therefore immigration might be only causing a 3.4 percentage points of this dysgenesis.

Germany’s HQI increased by 0.2% from 2010 to 2015, meaning that no interesting structural change happened. These numbers are from before the recent migrant crisis, whose presence is sure to bring down Germany’s HQI.

Japan’s HQI fell 15.7% from 2010 to 2015. Not only is the nation coming down the peak (through its negative economic growth), the nation’s peak is also decaying.

Russia’s HQI increased by 31.1% from 2010 to 2015. Even though its economic growth was low (0.36%), its scientific output greatly increased during this period, from 38878 papers to 55500. Russia’s seeming low GDP growth is largely due to economic warfare from Wall Street. Its scientific growth shows its true economic fitness.

Why Scientific Output is Important

The HQI uses scientific output as the most important indicator of a nation’s genetic-cultural fitness. There are many good reasons for this, the two most important being:

  1. Producing science requires that a nation be prosperous enough to afford having a class of society who dedicate most of their time to research. And that prosperity can only come from high genetic-cultural fitness for most countries, excepting a few oil states that can afford to import scientists.
  2. Producing science requires very high intellectual capacity and drive for accomplishment (perhaps most importantly IQ and testosterone). If a nation’s population is incapable of producing science, they will be equally incapable of producing high-tech military equipment and industrial innovation, necessary for a nation to increase its power.

A nation’s scientific output is a very good indicator of its fitness. If a nation’s economy is growing fast, by raising the scientific output to the power of its real economic growth, the HQI gives the nation a fair chance at proving itself. China’s scientific output per capita is quite low compared to that of the United States. But its real economic growth is much higher. We can safely assume that China’s per capita scientific output is going to grow at a rate similar to its past economic growth.

The Bottleneck Effect in the Growth of Scientific Output

India’s example shows that there might be a bottleneck effect in the growth of scientific output in large and highly undeveloped nations. As mentioned, India’s scientific output grew by 242% from 2004 to 2015, similar to its economic growth from 1981 to 2003. 12 years of scientific output growth were equal to 23 years of past economic growth. While in the case of South Korea, its 2004 to 2015 scientific growth was roughly similar to its economic growth of the 12 years preceding that.

India may have already overcome the bottleneck. Indonesia, Bangladesh, Pakistan, Nigeria, the Philippines and Vietnam probably haven’t yet, and this probably partly accounts for their low HQI’s.

For a large, undeveloped and already low-HQI nation (low IQ, bad law enforcement, etc.), building the prosperity and infrastructure necessary for doing science takes far longer than it takes a smaller and higher HQI nation. Decades of education, infrastructure building and perhaps most importantly, urbanization, are needed before a country’s scientific output momentum gets going.

List of 203 Sovereign States by Human Potential

Below is a table of 203 sovereign states sorted by HQI, from highest HQI to lowest. Note that the HQI number shows the genetic-cultural quality of each individual citizen within that nation, not the nation’s power. While each additional Singaporean citizen adds a value of 4822 to the economy of Singapore, each additional US citizen adds a value of 1372. Since the genetic-cultural quality of Singaporeans is so much higher than the genetic-cultural quality of US citizens, what the HQI shows is that if Singapore had the same number of citizens as the United States, it would 3.5 times as powerful as the United States, as each individual citizen adds so much more to its power and productivity. Singapore’s real superiority is probably lower, as it is mostly its fast economic growth, aided by its geo-political situation, that’s contributing to its high HQI.

The HQI for certain nations, such as Indonesia and North Korea, are clearly inaccurate due to their exclusion from the world’s scientific community. The HQI of Indonesia and many former Central Asian Soviet states should increase considerably as they start to adopt Western scientific practices.

Please see below the table for the fine print regarding the numbers.

Rank Country 2015 Citable Scientific Documents 2015 Population Average Real Annual Economic Growth (2004-2015) [12-Year Min-Max Method] HQI
1 Singapore 17,976 5,618,866 7.32 4823
2 Switzerland 39,358 8,238,610 1.01 3910
3 Australia 82,567 23,923,101 2.99 3561
4 Iceland 1,365 336,728 2.41 3549
5 Norway 18,228 5,142,842 1.17 2925
6 Qatar 2,766 2,350,549 14.88 2815
7 Denmark 23,081 5,661,723 -0.65 2812
8 Sweden 35,039 9,693,883 0.41 2775
9 Monaco 129 38,320 1.64 2683
10 Luxembourg 1,692 543,261 1.51 2564
11 Israel 18,040 7,919,528 3.71 2410
12 New Zealand 13,052 4,596,396 1.25 2352
13 Netherlands 51,434 16,844,195 -0.03 2238
14 Belgium 29,180 11,183,411 0.68 2058
15 Finland 17,551 5,460,592 -1.55 2034
16 Hong Kong 14,710 7,313,557 3.12 1997
17 Liechtenstein 102 37,461 -0.40 1967
18 Ireland 11,370 4,726,856 1.09 1959
19 Canada 89,312 35,871,283 0.13 1859
20 Austria 21,818 8,557,761 -0.09 1859
21 Slovenia 5,428 2,079,085 -0.43 1851
22 United Kingdom 169,483 63,843,856 -0.60 1818
23 Taiwan 34,011 23,381,038 4.53 1717
24 South Korea 73,433 49,750,234 3.61 1627
25 Greenland 125 57,275 0.05 1610
26 Czech Republic 20,759 10,777,060 1.02 1569
27 United States 567,007 325,127,634 0.51 1372
28 Portugal 21,159 10,610,014 -0.77 1359
29 Macao 819 584,420 3.20 1278
30 Spain 79,209 47,199,069 0.30 1277
31 Estonia 2,620 1,280,227 -2.23 1264
32 Germany 149,773 82,562,004 -0.77 1218
33 France 103,733 64,982,894 -0.08 1165
34 Grenada 140 106,694 3.33 1138
35 Poland 37,285 38,221,584 4.23 1120
36 Cyprus 1,789 1,164,695 -0.51 1088
37 Slovakia 6,271 5,457,889 2.67 1068
38 Malta 559 431,239 0.75 1000
39 Italy 95,836 61,142,221 -1.74 945
40 Greece 16,616 11,125,833 -1.67 934
41 Saint Kitts and Nevis 62 55,376 1.83 889
42 Croatia 5,533 4,255,374 -1.12 869
43 China 416,409 1,401,586,609 10.55 856
44 Saudi Arabia 17,529 29,897,741 5.90 768
45 Malaysia 23,414 30,651,176 2.95 756
46 Brunei Darussalam 366 428,539 1.03 668
47 Serbia 6,540 9,424,030 2.97 663
48 Hungary 9,478 9,911,396 -0.81 653
49 Lithuania 2,973 2,998,969 -1.86 629
50 Iran 39,727 79,476,308 5.02 626
51 Japan 109,305 126,818,019 -0.41 605
52 New Caledonia 171 263,147 3.75 580
53 San Marino 22 31,802 3.26 563
54 Seychelles 59 93,754 3.79 540
55 Chile 10,347 17,924,062 2.50 535
56 Latvia 1,503 2,031,361 -1.23 498
57 Tunisia 6,228 11,235,248 2.17 493
58 Bermuda 43 65,578 0.13 485
59 Palau 14 21,291 -0.22 481
60 Turkey 39,275 76,690,509 2.27 479
61 Romania 13,053 21,579,201 0.70 475
62 Lebanon 2,076 5,053,624 5.60 464
63 Montenegro 316 621,556 2.50 432
64 Dominica 37 72,680 2.90 416
65 Bulgaria 3,441 7,112,641 1.73 410
66 United Arab Emirates 3,858 9,577,128 2.30 358
67 Uruguay 1,208 3,429,997 4.39 354
68 Macedonia 814 2,109,251 3.01 347
69 Barbados 128 287,482 0.83 341
70 Russian Federation 57,881 142,098,141 0.36 312
71 Jordan 2,313 7,689,760 5.45 338
72 Oman 1,461 4,157,783 3.56 335
73 Brazil 61,122 203,657,210 3.70 332
74 French Polynesia 122 282,764 0.11 319
75 Kuwait 1,327 3,583,399 1.84 311
76 Iraq 1,793 35,766,702 27.77 295
77 South Africa 17,409 53,491,333 2.03 292
78 Argentina 11,815 42,154,914 2.17 253
79 Bahrain 344 1,359,726 5.20 252
80 Georgia 1,067 4,304,540 4.28 246
81 Armenia 953 2,989,467 -0.14 232
82 Andorra 24 80,950 -0.26 216
83 Fiji 231 892,727 1.95 212
84 Trinidad and Tobago 285 1,346,697 5.03 207
85 Egypt 14,800 84,705,681 4.49 198
86 Cuba 1,760 11,248,783 6.76 191
87 Bosnia and Herzegovina 756 3,819,684 2.95 177
88 Thailand 11,632 67,400,746 3.39 174
89 Guam 36 169,885 3.00 174
90 Colombia 7,500 49,529,208 4.28 163
91 Belarus 1,554 9,259,666 3.78 163
92 India 123,206 1,282,390,303 7.08 162
93 Azerbaijan 676 9,612,580 17.29 160
94 Botswana 410 2,056,370 1.11 157
95 Panama 485 3,987,866 8.46 151
96 Tuvalu 2 9,916 2.01 150
97 Mauritius 208 1,253,581 3.57 148
98 Kazakhstan 2,062 16,770,447 5.95 142
99 Libya 352 6,317,080 21.21 142
100 Costa Rica 720 5,001,657 3.88 137
101 Cayman Islands 11 59,967 -0.20 134
102 Morocco 4,079 33,955,157 5.00 134
103 Ukraine 8,868 44,646,131 -1.35 129
104 Algeria 5,171 40,633,464 3.75 129
105 Puerto Rico 660 3,680,058 -0.79 125
106 Namibia 286 2,392,370 6.15 125
107 Albania 406 3,196,981 4.32 121
108 Bhutan 82 776,461 10.04 121
109 Mongolia 298 2,923,050 8.01 118
110 Vanuatu 34 263,888 4.84 112
111 Palestine (West Bank & Gaza) 475 4,548,815 6.18 112
112 Mexico 18,417 125,235,587 0.21 110
113 Marshall Islands 7 52,993 0.88 99
114 Nigeria 5,112 183,523,432 18.20 97
115 Ecuador 1,418 16,225,691 4.25 88
116 Bahamas 46 387,549 -0.39 86
117 Federated States of Micronesia 12 104,460 -0.51 83
118 Moldova 348 3,436,828 1.71 82
119 Antigua and Barbuda 10 91,822 0.67 81
120 Ghana 1,531 26,984,328 8.97 81
121 Aruba 12 103,889 -2.26 80
122 Gabon 174 1,751,199 1.72 80
123 Jamaica 305 2,813,276 -0.77 76
124 Congo 388 4,671,142 3.59 76
125 Belize 32 347,598 2.69 74
126 Swaziland 106 1,285,519 2.38 68
127 Sri Lanka 1,255 21,611,842 6.27 67
128 Pakistan 10,962 188,144,040 4.64 66
129 Cape Verde 35 508,315 6.95 65
130 Solomon Islands 43 584,482 4.10 63
131 Gambia 157 1,970,081 1.36 63
132 Peru 1,813 31,161,167 5.10 63
133 Suriname 38 548,456 5.38 62
134 Venezuela 1,473 31,292,702 7.55 60
135 Maldives 22 357,981 7.57 57
136 Viet Nam 4,092 93,386,630 6.40 55
137 Samoa 13 193,228 0.76 50
138 Kenya 2,215 46,748,617 4.32 49
139 Tonga 7 106,379 -0.20 48
140 Saint Lucia 11 184,937 3.25 47
141 Cameroon 1,116 23,393,129 4.09 47
142 Senegal 691 14,967,446 4.22 45
143 Uganda 1,270 40,141,262 7.03 38
144 Laos 226 7,019,652 7.81 36
145 Benin 409 10,879,828 4.30 36
146 Kiribati 5 105,555 1.51 36
147 Guyana 34 807,611 2.53 34
148 Nepal 922 28,440,629 4.73 33
149 Malawi 519 17,308,685 5.75 32
150 Zambia 432 15,519,604 6.76 31
151 Burkina Faso 508 17,914,625 5.81 30
152 Indonesia 6,280 255,708,785 5.49 29
153 Ethiopia 1,691 98,942,102 11.11 29
154 Tanzania 1,261 52,290,796 6.56 28
155 Saint Vincent and the Grenadines 4 109,374 2.15 28
156 Bolivia 290 11,024,522 5.08 26
157 Rwanda 278 12,428,005 7.92 26
158 Paraguay 182 7,032,942 5.04 25
159 Kyrgyzstan 142 5,707,529 5.23 24
160 Syrian Arab Republic 502 22,264,996 5.07 23
161 Equatorial Guinea 17 799,372 12.91 23
162 Zimbabwe 552 15,046,102 -2.88 23
163 Bangladesh 3,011 160,411,249 6.06 22
164 Cambodia 317 15,677,059 6.67 22
165 Philippines 2,091 101,802,706 4.39 21
166 Papua New Guinea 156 7,631,819 6.48 21
167 Togo 156 7,170,797 3.56 19
168 Lesotho 43 2,120,116 5.09 18
169 Uzbekistan 426 29,709,932 8.46 18
170 Sierra Leone 112 6,318,575 6.20 17
171 Guinea-Bissau 37 1,787,793 3.77 17
172 Timor-Leste 23 1,172,668 4.25 16
173 Niger 169 19,268,380 18.20 16
174 Côte d’Ivoire 386 21,295,284 3.16 16
175 El Salvador 135 6,426,002 0.39 16
176 Sudan 597 39,613,217 4.66 15
177 Guatemala 243 16,255,094 3.42 13
178 Mali 239 16,258,587 3.18 13
179 Mozambique 299 27,121,827 8.06 13
180 Nicaragua 100 6,256,510 1.74 13
181 Tajikistan 107 8,610,384 7.05 13
182 Liberia 63 4,503,439 4.92 13
183 Djibouti 13 899,658 4.59 12
184 Yemen 297 25,535,086 4.38 11
185 Dominican Republic 116 10,652,135 5.81 11
186 Madagascar 278 24,235,390 1.56 9
187 Honduras 92 8,423,917 2.07 9
188 Mauritania 35 4,080,224 8.92 9
189 Comoros 8 770,058 1.95 8
190 Haïti 112 10,603,731 0.01 8
191 Sao Tome and Principe 2 202,781 6.19 8
192 Central African Republic 41 4,803,082 3.45 7
193 Guinea 106 12,347,766 2.35 7
194 Angola 83 22,819,926 12.50 5
195 Myanmar 181 54,164,262 10.42 4
196 Chad 38 13,605,625 16.86 4
197 Eritrea 29 6,737,634 3.86 4
198 Burundi 42 10,812,619 1.42 3
199 Afghanistan 74 32,006,788 11.27 3
200 North Korea 52 25,155,326 1.85 2
201 Turkmenistan 9 5,373,487 9.85 2
202 Democratic Republic of the Congo 75 71,246,355 5.92 1

The economic growth rate data comes from my essay The 12-Year Min-Max Average. Please see this essay for technical details on how the numbers were calculated.

Only “citable” scientific documents are counted, citable documents are generally higher in quality and more important than non-citable ones. However, citable and no-citable documents tend to rise and fall together, so that including non-citable documents shouldn’t have a significant effect on the HQI numbers.

Population data comes the United Nations and the World Bank. Scientific output data from SCIMago. Economic growth data from the World Bank and Trading Economics.

* A country’s GDP growth rate could be said to somewhat take into account its population growth, since when all other things are equal, growth in population results in economic growth. However, this will only apply to a stagnant economy whose only increase or decrease is a result of population change rather than

The 12-Year Min-Max Average: A Simple Method for Calculating Real, Legitimate Economic Growth and Canceling Out Central Bank Manipulations and other Noise


Through continually expanding the money supply with money-printing and fractional reserve banking, central bankers and their commercial banker buddies are able to create the impression that an economy is growing when no actual growth takes place. No, even when an economy is tangibly falling apart, they can continue to publish numbers showing that the economy is “growing”.

The sophism of the modern neoliberal usurer economists has made the word “growth” lose most of its meaning. I will hereby define growth in the unfashionable Smithian way, as an increase in the amount of goods and services afforded by a population. In other words, economic growth equals an increase in prosperity.

Economic growth has nothing to do with an increase in GDP that comes from monetary expansion. That is merely a recalculation of the size of an economy, as necessitated by a currency that continually loses its value.


A method for calculating real, Smithian economic growth that cancels out the effects of inflation, derivatives and possibly the majority of the rest of a central banker’s card tricks is to take a two-point 12-year min-max average of a country’s GDP growth rate. While this sounds insanely complicated, it’s actually pretty simple:

To find out China’s real economic growth from 2004 to 2015 (inclusive), find the year with the highest economic growth and the year with the lowest economic growth over the 12 year period, then average the two numbers. Over the 2004-2015 period, China’s highest economic growth was 14.7%, in 2007. Her lowest economic growth was 6.9%, in 2015. To find her real economic growth:

14.7 + 6.9
__________ = 10.8

China’s GDP in 2004 was $1.9417 trillion. According to the above calculation, her economy grew at an annual rate of 10.8%, meaning that in 2015, her true GDP would be $5.999 trillion.

According to the above, China’s real economy in 2015 was three times as large as its 2004 economy. This finding is remarkably close to the 3.3 times growth of GDP from 2004 to 2015 predicted by PPP calculations ($5.7 trillion to 19.4 trillion).

Since the dollar is not a reliable store of value (due to the Fed’s money-printing and the pervasive and universal practice of usury which creates an artificial limit on the money supply by concentrating it in the hands of the wealthiest), the $5.999 trillion number for 2015 doesn’t mean much of anything, unless we compare it to the 2004 number of $1.94. The result, as mentioned, is that the 2015 number is three times larger, meaning the 2015 economy was three times as large as it used to be in 2004.

Another way of thinking of the above graph is to draw a rectangle with the country’s highest and lowest economic growth rates at opposing corners, then taking the midpoint of the height of the rectangle:

Extending the calculation to other countries, I will start with India:

Over the 2004-2015 period, India’s lowest growth rate was in 2008 at 3.89%. Its highest growth was in 2010 at 10.26%. Averaging the two results in 7.075%.

In 2004, India’s GDP was $0.7215 trillion. An annual growth rate of 7.075% results in a 2015 real GDP of $1.53 trillion, meaning its economy grew by a factor of 2.12. Both nominal and PPP calculations say its economy grew by a factor of 2.7. The 2.12 is quite believable to me, the truth probably lies somewhere in between.

Moving on to the United States, the Federal Reserve, America’s central bank, is great at cooking up growth numbers. The 12-Year Min-Max method cuts through their nonsense like a hot knife through room-temperature butter:

America’s highest GDP growth was in 2004, at 3.79%. Its lowest growth was in 2009, at -2.78%. Averaging the two, the result is a miserable annual growth rate of half of a percent. America’s GDP in 2004 was $12.27 trillion. According to this calculation, its real 2015 GDP was $12.97 trillion, which fits the feelings of America’s population and its honest economists, excepting the usurer class and its sophistonomists. America’s 2015 economy was only 5% larger than its 2004 economy from an honest, Smithian point of view. During the same period, its population grew 9.77% larger, meaning the wealth or income of America’s average citizen actually fell during the period. The pie grew by 5%, the pie eaters grew by 9.77%.

Predictably, Japan is even more of a trainwreck than the United States.

Over the 2004-2015 period, Japan’s high point of growth was in 2010 at 4.71%. Its low point was in 2009, at -5.53%. Averaging the two, the result is an annual growth rate of -0.41%, meaning its economy actually shrunk by that amount every year. This is well in keeping with a stagnant economy and an aging and shrinking population count. Japan’s GDP in 2004 was $4.65 trillion. According to this economic shrink rate, Japan’s GDP in 2015 was $4.45 trillion, 4.3% smaller than in 2004.

Why 12 Years

The average length of a central-bank induced asset bubble cycle is 8 years (think the late 2000 and 2008 crashes). 12 years is a cycle and a half. The 2004 to 2015 window, as an example, captures the recovery from the last crash, and our current “recovery”, providing a rich picture of what brought us here. If we look at two cycles (2000-2015 inclusive), the data will be skewed by the previous cycle’s peak, which is quite irrelevant today. If we look at only one cycle (2008-2015), we will lose historical context that is still relevant today (the period that lead to the 2008 crash).

A market cycle and a half makes for a relevant and informative picture of most periods of a country’s economic history. The idea of using a market cycle and a half comes from John P. Hussman, manager of the billion-dollar Hussman Funds mutual fund.

Why It Works

The 12-year min-max average takes a realistic look at the nonsense factor within an economy and takes it out. It shows how much of an economy is a house of cards, and how much of it is real.

The basic idea is that it measures the psychology of an economy’s participants. Crashes happen when a very large number of investors wake up and realize they’ve all made big fools of themselves by outbidding one another in buying highly overpriced assets, thinking that they would be able to sell them for even higher. This moment of realization happened in 1929, 2000 and 2008, and will probably happen in late 2017.

After a crash, central banks use monetary easing to motivate investors to bid up the prices of assets. This creates a growing atmosphere of euphoria that increases spending in the economy and creates years of apparent growth. When the next crash inevitably comes, the atmosphere changes from one of euphoria to one of fear and panic. The market sobers up like a drunkard out of drink. In this year of sobriety, investors often underestimate the market’s worth. This acts as an antidote to the overestimation of the market during euphoric years. This is what happened in March 2009.

The momentum of an economy that’s truly expanding cannot be reversed by a financial crisis. It can slow a little, but it will continue growing, as China, India and Bangladesh’s numbers show. When we average out the years of most euphoria and least euphoria in a fast-growing economy, we still get a high rate of growth, because the growth is real, it is not entirely based on the feelings of investors.

But how does investor feeling affect GDP? The blaze of euphoria caused by monetary easing and fanned by complicit mass media makes it easier, and more likely, for businesses to borrow and expand their activities, regardless of supply-and-demand considerations. Overvalued corporations find it easy to convince lenders to give them large loans. The wealthy from around the country open their wallets and outbid each other in investing their wealth in all kinds of business activities in fear of being left behind.

In stagnant economies like the those of the US, Japan and Western Europe, it is by and large the feelings of investors that drive economic expansion and recession.

Measuring Crashiness

One obvious difficulty with choosing only two points on a 12-year growth graph is that growth is cumulative. A 3% growth at the beginning of the period could mean a trillion dollars increase, while at the end of the period it could mean two or three trillions.

Regardless of where the low point is on the graph, it shows that it is possible, within that economy, to lose this much value. It shows that a great amount of volatility exists within the economy, so that even if in recent years the growth numbers have all been good, if there is one big crash year on the 12-year graph, it tells us that a similar crash is in the future.

The cumulative effect doesn’t take away from the idea, the idea contains it within itself. No matter how much growth we’ve had in recent years, a crash can take most of it away, as it is farther in the future, so that its percentage effect is going to be larger than the effect of the growth of the previous years.

The PPP GDP per capita of the United States over the 12-year period  (denominated in 2005 international dollars) illustrates this. In 2004 it was $48,597. Five years of “growth” later, it was $48,557 in the 2009 crash. The crash easily outweighed all the previous years of growth. In 2015, the number had grown to $52,549, and the coming crash can easily take it back close to square one again.

The 12-year min-max average shows the “crashiness” of an economy. And since there is always a bigger crash in the future, measuring a country’s greatest year of growth against its worst year of growth makes a lot sense.

Honesty requires that I admit I came up with these reasonings for why the 12-year min-max average works after I had discovered it. I needed a reliable way of comparing the true economic momentums of different countries for the HQI, the Human Genetic-Cultural Quality Index that I will announce later, and among the methods I tried out, this one brilliantly fit the true states of many economies I have studied.

List of Countries by Real 12-Year Annual GDP Growth

Below is a list of 203 sovereign states along with their real economic growth from 2004 to 2015 according to the 12-year min-max average. The countries are sorted by population.

The number I’m most skeptical of is Germany’s. Germany has appeared to grow fast in recent years. The 12-year min-max average says its growth has actually been negative 0.77% (i.e. that the next crash will wipe out all of its recent growth). This is possible, and only history will tell.

Russia gets a 0.36% growth rate. I expect its rate will be shown to be quite higher after the next crash, as it puts the 2008 crash behind, and what remains will be its recent real economic growth rate that cannot be wiped out by a crash.

Please see the fine print at the end of the table regarding certain corrections I’ve made.

Country Population Real 12-Year Annual GDP Growth Rate (2004-2015)
China 1,401,586,609 10.545
India 1,282,390,303 7.075
United States 325,127,634 0.505
Indonesia 255,708,785 5.49
Brazil 203,657,210 3.7
Pakistan 188,144,040 4.64
Nigeria 183,523,432 18.195
Bangladesh 160,411,249 6.055
Russian Federation 142,098,141 0.36
Japan 126,818,019 -0.41
Mexico 125,235,587 0.205
Philippines 101,802,706 4.39
Ethiopia 98,942,102 11.11
Viet Nam 93,386,630 6.4
Egypt 84,705,681 4.485
Germany 82,562,004 -0.77
Iran 79,476,308 5.02
Turkey 76,690,509 2.265
Democratic Republic of the Congo 71,246,355 5.915
Thailand 67,400,746 3.385
France 64,982,894 -0.075
United Kingdom 63,843,856 -0.595
Italy 61,142,221 -1.735
Myanmar 54,164,262 10.415
South Africa 53,491,333 2.025
Tanzania 52,290,796 6.56
South Korea 49,750,234 3.605
Colombia 49,529,208 4.275
Spain 47,199,069 0.3
Kenya 46,748,617 4.315
Ukraine 44,646,131 -1.35
Argentina 42,154,914 2.17
Algeria 40,633,464 3.75
Uganda 40,141,262 7.025
Sudan 39,613,217 4.655
Poland 38,221,584 4.23
Canada 35,871,283 0.13
Iraq 35,766,702 27.77
Morocco 33,955,157 4.995
Afghanistan 32,006,788 11.27
Venezuela 31,292,702 7.545
Peru 31,161,167 5.095
Malaysia 30,651,176 2.95
Saudi Arabia 29,897,741 5.895
Uzbekistan 29,709,932 8.46
Nepal 28,440,629 4.73
Mozambique 27,121,827 8.06
Ghana 26,984,328 8.965
Yemen 25,535,086 4.38
North Korea 25,155,326 1.85
Madagascar 24,235,390 1.56
Australia 23,923,101 2.985
Cameroon 23,393,129 4.085
Taiwan 23,381,038 4.53
Angola 22,819,926 12.5
Syrian Arab Republic 22,264,996 5.065
Sri Lanka 21,611,842 6.27
Romania 21,579,201 0.695
Côte d’Ivoire 21,295,284 3.16
Niger 19,268,380 18.195
Chile 17,924,062 2.5
Burkina Faso 17,914,625 5.81
Malawi 17,308,685 5.745
Netherlands 16,844,195 -0.035
Kazakhstan 16,770,447 5.95
Mali 16,258,587 3.18
Guatemala 16,255,094 3.415
Ecuador 16,225,691 4.25
Cambodia 15,677,059 6.67
Zambia 15,519,604 6.76
Zimbabwe 15,046,102 -2.88
Senegal 14,967,446 4.22
Chad 13,605,625 16.855
Rwanda 12,428,005 7.92
Guinea 12,347,766 2.35
Cuba 11,248,783 6.76
Tunisia 11,235,248 2.165
Belgium 11,183,411 0.675
Greece 11,125,833 -1.67
Bolivia 11,024,522 5.08
Benin 10,879,828 4.295
Burundi 10,812,619 1.42
Czech Republic 10,777,060 1.02
Dominican Republic 10,652,135 5.805
Portugal 10,610,014 -0.77
Haïti 10,603,731 0.01
Hungary 9,911,396 -0.81
Sweden 9,693,883 0.405
Azerbaijan 9,612,580 17.285
United Arab Emirates 9,577,128 2.3
Serbia 9,424,030 2.965
Belarus 9,259,666 3.78
Tajikistan 8,610,384 7.05
Austria 8,557,761 -0.09
Honduras 8,423,917 2.07
Switzerland 8,238,610 1.005
Israel 7,919,528 3.705
Jordan 7,689,760 5.45
Papua New Guinea 7,631,819 6.48
Hong Kong 7,313,557 3.12
Togo 7,170,797 3.56
Bulgaria 7,112,641 1.73
Paraguay 7,032,942 5.035
Laos 7,019,652 7.81
Eritrea 6,737,634 3.855
El Salvador 6,426,002 0.39
Sierra Leone 6,318,575 6.195
Libya 6,317,080 21.205
Nicaragua 6,256,510 1.735
Kyrgyzstan 5,707,529 5.225
Denmark 5,661,723 -0.645
Singapore 5,618,866 7.32
Finland 5,460,592 -1.545
Slovakia 5,457,889 2.67
Turkmenistan 5,373,487 9.85
Norway 5,142,842 1.17
Lebanon 5,053,624 5.6
Costa Rica 5,001,657 3.88
Central African Republic 4,803,082 3.45
Ireland 4,726,856 1.085
Congo 4,671,142 3.585
New Zealand 4,596,396 1.25
Palestine (West Bank & Gaza) 4,548,815 6.175
Liberia 4,503,439 4.915
Georgia 4,304,540 4.28
Croatia 4,255,374 -1.115
Oman 4,157,783 3.555
Mauritania 4,080,224 8.915
Panama 3,987,866 8.46
Bosnia and Herzegovina 3,819,684 2.945
Puerto Rico 3,680,058 -0.785
Kuwait 3,583,399 1.84
Moldova 3,436,828 1.705
Uruguay 3,429,997 4.39
Albania 3,196,981 4.32
Lithuania 2,998,969 -1.86
Armenia 2,989,467 -0.14
Mongolia 2,923,050 8.01
Jamaica 2,813,276 -0.765
Namibia 2,392,370 6.15
Qatar 2,350,549 14.875
Lesotho 2,120,116 5.09
Macedonia 2,109,251 3.005
Slovenia 2,079,085 -0.43
Botswana 2,056,370 1.105
Latvia 2,031,361 -1.225
Gambia 1,970,081 1.36
Guinea-Bissau 1,787,793 3.765
Gabon 1,751,199 1.715
Bahrain 1,359,726 5.195
Trinidad and Tobago 1,346,697 5.025
Swaziland 1,285,519 2.375
Estonia 1,280,227 -2.225
Mauritius 1,253,581 3.565
Timor-Leste 1,172,668 4.245
Cyprus 1,164,695 -0.505
Djibouti 899,658 4.585
Fiji 892,727 1.945
Guyana 807,611 2.53
Equatorial Guinea 799,372 12.905
Bhutan 776,461 10.035
Comoros 770,058 1.95
Montenegro 621,556 2.5
Solomon Islands 584,482 4.1
Macao 584,420 3.2
Suriname 548,456 5.38
Luxembourg 543,261 1.51
Cape Verde 508,315 6.95
Malta 431,239 0.75
Brunei Darussalam 428,539 1.03
Bahamas 387,549 -0.39
Maldives 357,981 7.57
Belize 347,598 2.69
Iceland 336,728 2.405
Barbados 287,482 0.825
French Polynesia 282,764 0.11
Vanuatu 263,888 4.84
New Caledonia 263,147 3.75
Sao Tome and Principe 202,781 6.185
Samoa 193,228 0.755
Saint Lucia 184,937 3.25
Guam 169,885 3
Saint Vincent and the Grenadines 109,374 2.145
Grenada 106,694 3.33
Tonga 106,379 -0.2
Kiribati 105,555 1.505
Federated States of Micronesia 104,460 -0.505
Aruba 103,889 -2.26
Seychelles 93,754 3.785
Antigua and Barbuda 91,822 0.67
Andorra 80,950 -0.26
Dominica 72,680 2.895
Bermuda 65,578 0.13
Cayman Islands 59,967 -0.2
Greenland 57,275 0.05
Saint Kitts and Nevis 55,376 1.83
Marshall Islands 52,993 0.875
Monaco 38,320 1.64
Liechtenstein 37,461 -0.4
San Marino 31,802 3.255
Palau 21,291 -0.22
Tuvalu 9,916 2.01

For Iran, ignored the 2012 crash, as it was a political event. Used the 2008 crash instead, as it was a shared world event. For Brazil too due to 2015. For Iraq 2014 due to CIA-ISIS. For Venezuela, 2009 was used due to recent mismanagement. For Syria, 3.23 lowest growth from 2010 was used, due to start of the Syria v. CIA war in 2011. For Yemen, ignored numbers from 2011 due to the crisis, used lowest number from 2006.

Data for New Caledonia taken from Trading Economics (World Bank data missing).

Monaco’s highest growth rate taken from World Bank (14.58 for 2007). Lowest number (-11.3 for 2009) missing from World Bank, taken from Trading Economics.

Data for Greenland after 2009 is missing. Used 2009 number as lowest growth rate (-5.41), and 2007 number as highest growth rate (5.51).

No reliable annual growth data for French Polynesia. Assumed a top growth of 4.42 and a bottom growth of -4.2, as hinted at by the CIA World Factbook.

For Sierra Leone, ignored 2013 and 2015 numbers, as they were aberrations caused by the mining sector’s boom and collapse.

For Liechtenstein, top and bottom growth numbers were taken from Trading Economics as World Bank seemed inaccurate and missed the years after 2009.

Guadelope, Cook Islands, Montserrat, Netherlands Antilles, Anguilla, Martinique, Réunion, Gibraltar, American Samoa, US and British Virgin Islands, Northern Mariana Islands and French Guiana not included as GDP growth rate is not. It is possible that the World Bank counts them toward their parent states, couldn’t verify this.

Faroe Islands not included as GDP growth rate data is unavailable.

Data for North Korea, Guam and Cayman Islands’ GDP growth rate taken from Trading Economics as World Bank doesn’t provide them.

For the Central African Republic, numbers after 2012 are ignored due to the civil war there. Used 2004’s GDP growth rate as the top number (5.99) and 2005 as the bottom (0.91).

For Eritrea, ignored 2008 GDP growth low as it was caused by US sanctions. Used 2006 low instead (-0.97).

Somalia is not included in the World Bank data, and other available data is none too reliable due to the fact that the country is a war zone. Decided not to include the country as no useful conclusions can be drawn from the data.

No reliable data found for Turks and Caicos Islands, Wallis and Futuna, Nauru, Mayotte, and Western Sahara, so omitted them.

The Gene-Culture

The phrase “gene-culture” expresses the idea that there is no such thing as a culture independent from genes, or genes independent from culture. It enables a researcher to think of human evolution in accurate, realistic terms. At a population level, it is not individual humans, or specific genetic backgrounds, that are most relevant to natural selection, it is the gene-culture.

Examples of gene-cultures are WASPs (White Anglo-Saxon Protestants), Lebanese Christians, the Amish, Malaysian Muslims, and Ashkenazi Jews.

In order for children to grow up, prosper, and reproduce, in addition to requiring healthy and capable genes, they require healthy and capable cultures. They need a culture where there is rule of law, where there is sufficient social support to overcome the fear of the financial risk posed by having children, and where there is sufficient knowledge and health care to feed, clothe and care for these children.

The reproductive prosperity of a population relies on both genes and cultures. The two are inseparable. And when either of them is unfit, reproductive fitness is diminished.

The Japanese are extremely fit genetically. Intellectually they have the capacity to provide sufficient food and care for their offspring. But their culture is unfit. The reproductive fitness of their genes doesn’t make a difference when the culture part is unfit; the gene-culture as a whole becomes unfit and fails to reproduce effectively.

What is unfit about Japanese culture is the fact that they fully embraced the West’s neo-Liberal Usurer Economics, which, through the Risk-Profit Differential, constantly pushes the nation’s wealth into the hands of the super-rich, increasing poverty among the lower classes, and causing stagnation in the middle class.

Any culture that is not resistant to usury will eventually suffer stagnation, declining birth rates and population shrinkage. This is happening in most, if not all, of the developed world.

Just as a population that is genetically prone to a plague can be wiped out by it, a population that is culturally prone to usury will be wiped out by it.

The idea of the gene-culture enables us to view matters of cultural (economic and religious) practice in Darwinian terms. Just as a harmful genetic mutation reduces a population’s viability, a harmful cultural mutation (in the case of Japanese, embracing Western-style usury) reduces the population’s viability.

The idea of the gene-culture also contains the important implication that culture affects genes and genes affect culture. Among animals, genetic fitness is the most important factor in their survival, most animals have negligible cultures (exceptions being higher primates like orangutans). Humans, however, due to their intellectual complexity, are extremely reliant on culture, so that culture makes up about half of the picture when it comes to examining a population’s reproductive fitness.

In the above chart, I’m counting the material environment in which the genes exist toward the gene side. The contribution of culture toward the reproductive fitness of humans varies a great deal from environment to environment, and the average amount of its contribution might be less than 50%.

Imagine a hundred Japanese middle class families in Tokyo adopting a hundred Haitian children from soon after birth. The children will grow up in a Japanese world, learning Japanese customs and ideals. But they do not have Japanese genes. Victorian romantics and modern proponents of “environment is everything” (junk 20th century social scientists, which is nearly all of them) would imagine that these children would grow up and make perfect Japanese citizens who will only be held back by racism.

What actually happens is that their Haitian genes will mutate Japanese culture, so that no matter how hard they try to be authentically Japanese, there will be clear manifestations of differences in their understanding and application of Japanese culture (which is not a bad thing, it is a simple fact of biology).

But the most interesting thing is the children of these children. These children will create a Creole Japanese culture that will seem quite foreign to the average Japanese. It will have aspects of Japanese culture and Haitian culture, even if the children and their parents know nothing about Haiti and its people. Haitian culture is partly a result of its population’s genetics. And if this population is made to grow up in Japan, these genes will ultimately show through, tearing Japanese cultural conditioning apart and creating something new and interesting out of it.

An interesting expression of the gene-culture came from Russia after the fall of the Soviet Union. Russia’s president, the Wall Street-friendly drunkard Boris Yeltsin, took off all of Russia’s defenses and threw it naked in a room with Wall Street’s fattest and ugliest usurers, who, in just a few years, managed to plunge the country into the worst demographic disaster in its history. Russia started to resemble a third-world backwater rather than a proud Euro-Asiatic country. Regardless of the genetic fitness of Russia’s population, removal of its cultural defenses against usury destroyed its reproductive fitness.

Once Vladimir Putin took over, he kicked out the usurers and started the process of repairing Russia’s cultural fitness through reviving the Russian Orthodox Church and Russian industry. The usurers, in turn, launched an all-out financial and propaganda war on him from Wall Street that has continued to date. Regardless of Wall Street and Washington’s chest-pumping, Russia has continued its demographic recovery. Christianity is back on the rise, culture is flourishing, life expectancies increase and technological innovation grows.

The above is, of course, a gross simplification of what happened in Russia. But to the gene-culture this is not an issue, since the gene-culture is a high-level construct that enables researchers to examine human history from a Darwinian perspective. No facts are ignored or thrown out to fit reality into the theory (as is done by junk sociologists on the one hand, and certain evolutionary psychologists on the other), as the theory encompasses all facts. Dysfunctions in politics are affected by, and affect, the gene-culture. Russia’s gene-culture leads to Czars, Arab and African gene-cultures lead to dictators, and Western Europe’s present gene-culture leads to usurer-controlled democracies. Cultures select for genes and genes select for cultures.

The gene-culture also sheds light on the effects of feminism. Feminism reduces fertility in many ways, such as encouraging women to spend their most fertile years working to enrich the usurer class. A gene-culture that is not immune to feminism will be infected and mutated by it, so that its reproductive fitness decreases. Meanwhile, gene-cultures that are immune to feminism will not be harmed by it, and will reproduce faster than the infected populations. This process will naturally eliminate feminism from any large population that contains a significant minority gene-culture that is resistant to feminism.

The gene-culture could also be called the gene-meme, or geme for short. But this gets too technical and only social scientists would understand it. I chose “gene-culture” since it is easier to imagine and comprehend. By “culture” I mean everything carried by a human population apart from genes and epigenetics. This includes language, religion, law and political institutions.

/ No Comments on The Gene-Culture

The Risk-Profit Differential: Why Usurers Practice Usury

The evils of usury, and the immense urge that usurers feel to practice it, can all be summed up into one phrase: the risk-profit differential.

Whatever reasons usurers bring up to defend usury can be defeated by mentioning this phrase. The risk-profit differential is the core of usury, the reason why usurers prefer usury over productive investment, as was recognized by Jesus in his Parable of the Talents.

The risk-profit differential refers to the fact that, at its core, every usurious contract is about passing off more risk to the borrower than to the lender, and passing off more profit to the lender than to the borrower. This differential, this unbalanced arrangement that constantly pushes risk away from the usurer while also constantly pushing profit toward him, is where the attraction of usury lies.

It is the desire of every human to want to increase profits while also wanting to decrease risks. A usurer is simply someone selfish enough to create an arrangement that puts this unchecked, selfish animal desire into law through a contract that ensures him more profit and less risk, while also ensuring less profit and more risk to the borrower.

Usury is about enforcing a contract that enslaves the borrower to the usurer’s interests. The usurer class ensures itself a constant rate of profit (the class as a whole always profits, never loses), while the borrower class profits and loses randomly, so that as a whole no profit or loss is made. The usurer class gets guaranteed profits. The borrower class is forced to share its profits with the usurers, while also being made to keep its losses to itself.

Through this unbalanced arrangement, the wealth of the usurer class balloons. They build skyscrapers to house their banks and insurance companies. The rest of society’s prosperity grows fast at first, then stagnates, and then starts to decline as the debt load grows.

Regardless of how poor society continually becomes, regardless of how much it suffers, the wealth of the usurer class continues to increase. With their immense wealth they end up controlling our entire economy, our media, our politicians, ensuring that things will always stay in their favor. This is not new. The Knights Templar, through their practice of usury, were powerful enough to ignore the commands of popes and kings.

Casinos make vast profits by having machines that win very slightly more than they lose. Perhaps winning 52% of the time and losing 48% of the time. Usury, through the risk-profit differential, turns the entire economy into a casino where the usurers win 80% of the time, and lose 20% of the time (through defaults and bankruptcies). While a large casino makes a few billion a year for its owners through its rigged nature, the economy, due to the rigged nature of usury, makes trillions every year for the usurer class.

Usury is an unbalanced arrangement, otherwise it wouldn’t be usury. There is no way to make usury fair, to make it harmless, to make it add positive value to society. The only solution to usury is to ban it, as the Catholic King Edward I and the Protestant King Edward VI did.

Remember this phrase, the risk-profit differential. No matter how many clever arguments the usurers and their economists come up with in defense of their usury, they can never make this fact go away, as this is the only reason a usurer practices usury: he wants nearly all profits to come to himself, and nearly all losses to go to his borrowers.

[For ideas on non-usurious lending and insurance, please see the chapter on Socratic Finance in my book How to Really Occupy Wall Street.]

Usurers Love Immigrants

Note that I’m writing all of this as a (legal) immigrant myself from Iraq living in the US.

Helping immigrants who are trying to leave their hopeless countries for a better life is a cause that most of us can get behind. It’s difficult to refuse help to those who need it. At least, if you are not a usurer.

Usurers, who knowingly pass off their economic risks to society so that only profits remain for themselves, are at the forefront of supporting immigration. They fund ad campaigns and large non-profit organizations that promote immigration. And they pretend that they do it all because their hearts are bleeding for these poor people.

When someone’s entire lifestyle is based on passing off suffering to others, only a very gullible person would believe them when in this very specific case they seem to have bleeding hearts. They couldn’t care less about the people dying from drug overdose and alcoholism in small US towns, and black people dying in ghettos, when the usurers took their jobs overseas to increase their own profits.

The reason usurers support immigration is that, for them, immigration is a complete no-brainer. It is winnings and profits all the way.

Usurers want to promote “diversity” by importing immigrants from non-white countries. One important quality of these immigrants is that they are easy to convince that the locals hate them. They are told in the usurer media, in college, in movies and TV shows, in ads, that America’s peasant class are all racist and ignorant. In this way, America gets to have yet another class that can be used to fight off the peasant class.

By having a divided nation ridden with internal conflicts, and promoting these conflicts every chance they get, usurers believe they themselves will be safe. A brown person waiting at a bus stop is not going to be worrying about the power of the usurers if he is constantly bombarded with ideas suggesting to him that the white people around him are all secretly racists who hate everything about him.

The only instances in history where usurers have been in true danger are those in which a country’s population were all united for a common goal. Germany was entirely being run by usurers in the 1920’s. They owned the banks, the corporations and the media (similar to the United States today). It was usurers who financed Hitler’s rise to power, thinking that he would be even friendlier to usurer interests. What happened instead is that Hitler used the hopelessness and despair of Germany’s peasant class to unite the country and bend it to his will. Instead of doing as the usurers wanted, he used the power given to him by the people to take over the country’s economy.

Samuel Untermyer, a Jewish millionaire, wrote in The New York Times in August 1933 that it was a number of Jewish bankers who were financing Hitler. The Harvard-educated Rabbi Edward L. Israel wrote this in 1938 in The Pittsburgh Press:

One sad fact keeps ringing in our ears in the midst of the savage anti-Semitic outbursts in Nazi Germany. We cannot keep from mind the grim thought that during Hitler’s rise to power, a number of wealthy Jews helped to finance his campaign. Unbelievable as it now seems, this is the truth.

Hitler’s lesson, and many similar lessons throughout history, have taught usurers that a stable and united nation is a highly dangerous environment for usury, because usurers will be at the mercy of the whims of the nation’s leaders, who are empowered by the population’s unity.

What’s much safer for usury is a nation full of divisions. They promote hatred for men in the name of feminism, hatred for whites in the name of civil rights, and hatred for straight people in the name of gay rights. And toward this same goal, they promote immigration to create new classes of society who do not identify with the suffering of America’s peasant class. They can even be convinced to hate America’s peasant class by telling them that America’s peasant class are mostly racists who hate them. In this way, racial and religious divisions are used to destabilize the nation’s unity, and thus stabilizing the usurer’s paradise. As long as different classes of peasants fight each other, they won’t have the time to focus on their true enemies, the usurers living in their gated communities and high towers, protected by a militarized police.

The second reason usurers love immigrants is to get cheap workers and keep wages low for the entire population, so that more profits can be directed toward their own stomachs. After President Trump’s crack down on illegal immigration, wealthy California farmers can be found who are complaining about how “hard” it is to find workers. What they are saying is that it is hard to find workers at the disgracefully low wages they are used to paying them. Americans are “too expensive” for them, because if they hired Americans, instead of their making $10 million a year in profit, they might make only $7 million. What a tragedy! They may not even be able to afford that bigger yacht they’ve been thinking about for the past year!

It is true that the price of some things will go up if immigration stops. But that increased price goes to other workers. It is money being sent from one part of the peasant class to another, meaning that the peasant class’s economic fitness as a whole is not harmed. No, its fitness even benefits, because of the real Phillips curve: wage inflation reduces unemployment. When restricted immigration increases wages, as the money among the peasant class increases, their ability to purchase goods and services increases, and business profits in their area increase, so that these businesses are able to expand and hire more people (who will also be paid high wages). It is only the usurer’s personal profits that are reduced.

Immigrants, by increasing the population, also increase the number of people that can be enslaved through mortgages, credit cards, student loans and insurance. It is a way for usurers to increase the number of their slaves.

Many immigrants are able to assimilate and find better lives here. As usual for usurers, they and their media use this good fact to justify the whole thing, the same way they justify usury, for-profit-insurance, futures contracts and globalism. They ignore the fact that immigration makes local workers and professionals poorer. If today 100,000 Indian software engineers are brought to the country, the wage-earning ability of nearly all local software engineers will decline. And if they have secure jobs, they will not be able to ask for promotions, because their bosses can always say that they are already being paid more than all these newly available software engineers.

The usurer pretense is that immigrants are just as capable as the locals to fill out all job positions throughout society. They can be entrepreneurs, surgeons and farmers. And a few superstar immigrant entrepreneurs and surgeons are used as “proof” of this.

In the real world, if we consider 100,000 local software engineers, we can easily imagine that $200,000 has been spent educating and training each one of them, equaling a sum of $20 billion. If we bring in 100,000 Indian or Chinese software engineers, this $20 billion investment can easily lose half of its value, as our local software engineers will suffer wage stagnation and unemployment from the competition from the immigrant software engineers. That is 100,000 of our people who will find it so much harder to pay off their student loans, to buy a house, to start a family. What good is a kindness that benefits a group of people while destroying the hope and livelihoods of another group of people?

The usurers and their media frame the entire issue as a matter of racism and xenophobia, which is of course to their own profit, since whether it is low-skilled or high-skilled immigrants that we are bringing in, it is the usurers whose wealth will balloon as a result as their corporations end up paying lower wages and earning higher profits, and as their banks find new customers to enslave to credit cards, mortgages and student loans.

The issue of immigration is as complicated as the issues of usury, insurance, futures contracts and trade. This complexity gives the usurers and their media the ability to exaggerate the benefits of whatever the usurers want while ignoring the harms. And in the case of immigration, since it is so easy to call someone a racist for opposing immigration, there has been very little resistance to it.

It is possible to have a fair form of immigration, through having skill quotas. First, all immigration should be stopped. Next, we should look at the economic conditions of the workers in different sectors of the economy.

For example, we can look at low-skilled workers and see whether after a year of no immigration their median wages rise or fall. If they rise, it means their prosperity is increasing, and it means we could let in a limited number of unskilled workers who could supply the economy with labor without damaging the wellbeing of the local unskilled workers. The amount of unskilled immigrants allowed should be small enough to prevent wages from decreasing next year. It is fine if wage growth slows a little, but wage growth should not stop.

But if we find that even after stopping immigration low-skilled wages are stagnant, it means the economy is already oversupplied with low-skilled labor, so that letting in more low-skilled workers would do damage to the economic wellbeing of the local low-skilled workers we have. No more immigration should be allowed until their wages start to rise higher than inflation.

The same calculation can be done for software engineers, or welders. If it is determined that the wages of any sector are increasing quickly, we can let in more immigrants who can work in that sector without causing economic damage to the local population.

Even as they promote immigration, the usurer media ignores the fact that usurers have everything to gain and nothing to lose from it. The costs to the rest of society are entirely ignored, our local low-skilled workers are treated as stupid and worthless. The widely-read usurer lobbyist Bill Kristol says American workers are lazy and need to be replaced by immigrants. Americans are some of the hardest working and most overworked people in the world.

As a commentator who has nothing to do besides ensuring usurer interests are protected and that the status quo is unchallenged, he may really be stupid enough to think that every other American lives the same life of idleness and luxury. Most of our political elite are like this. Everything comes so easily to them that they really think the average American is also having a great time doing nothing useful.

Immigration is often nothing but another outlet for the usurers to increase their own profits at the cost of the rest of society. We should see through their duplicity and lies and realize that the reason they promote immigration is not that they have good hearts, but that they stand to gain all the benefit from it while passing off all the costs to the rest of society.

/ No Comments on Usurers Love Immigrants

Free Trade is Welfare for Wall Street

Free trade sounds like a good thing. Who doesn’t want freedom? How could restricted trade be better?

Usurer economists have managed to enforce the usurer-invented ideology that free trade benefits both nations that engage in it. It has certain benefits that usurers use to justify it, the same way that usurious lending, for-profit insurance and futures contracts have benefits that usurers use to justify them.

Free trade is how corporations (and their usurer owners) maximize profits by bypassing local laws that ensure livable working conditions, health insurance, and environmental protection. They move production to countries where workers are cheap because education is cheap or free there, instead of having to pay local workers who have $100,000 or more in student debt and who need a certain amount of pay just to make ends meet.

Free trade is how usurers double-dip the world economy, producing things where it is cheapest, and selling them where it is most expensive. They do their utmost to maximize profits while contributing the very least to either of the nations they exploit.

The usual argument in support of free trade goes like this: If one nation is good at producing airplanes, and another good at producing wine, then if each nation specializes at what it does best, both nations will produce more of the things they specialize in, and in this way the production of both nations increases, and thus both nations enjoy a surplus of both wine and airplanes.

What goes into this argument is the naive and fraudulent assumption that all of a country’s workers are equally capable of moving from one industry to another. If our country’s largest software companies move their best jobs to India, does that mean our own programmers can become farmers or airplane makers? Is that the best use of their talents for our country?

A programmer put out of work due to Microsoft off-shoring work to India (or importing workers from India through the H1-B visa) is not going to be happy as a farmer or accountant. They have spent years learning their specific trade (and perhaps have collected hundreds of thousands of debt from usurers in the process), and they need an outlet for their talents that can enable them to get their investment back.

Usurer economists will say that they are free to create their own companies. But they cannot. Usurer-backed companies like Microsoft, who get their cheap labor from India, will always be able to out-compete them, because their workers are cheaper, and they have the money to out-spend all competitors in advertising.

By putting our programmers out of work, these programmers are forced to either accept a low-paying job so that they can find work again, or start a company that supplies a small product to a niche market, while the major software industries of our country are run by foreign programmers, meaning that there will never be a major market for the talents of our own programmers.

The same is true for manufacturing workers. A worker who specializes in producing specific car parts for the car industry cannot effectively move to another industry when the car part maker decides to move production to Mexico or China. They cannot start their own car part making company because the company that fired them is going to be producing the parts cheaper, so that they cannot compete.

This has been happening in industry after industry in the United States as our globalist usurers have continually sent production overseas. The market for the talents of our local workers and professionals has continued to shrink, and their incomes have stagnated, even as the profits of corporate managers have skyrocketed.

Free trade is all about treating people like cattle. Your entire industry has been sent overseas so that there is no outlet for your talents? Too bad. You are an exchangeable cog, if a cheaper one can be found, then you might as well never have existed. And good luck paying off your student loans. If you are lucky, you will be able to find another job, or start a company that can make enough for you to get by.

But most people are not lucky. What free trade does to most people is that it takes away the jobs they enjoy (and have spent years learning to do effectively) and forces them to do second-rate jobs, often at lower pay. It turns thriving cities into ghost towns as factories and businesses close and the workers are left living in barren economies, to become alcoholics and drug addicts.

These workers are filled with an overwhelming sense of shame, as there is no purpose to their existence anymore, or so they feel. They either completely give up, or leave for a larger city and try to start to rebuild their lives anew, often while carrying large debt loads from their past lives.

Since Bill Clinton signed the NAFTA (the North American Free Trade Agreement), which enacted free trade between the US, Mexico and Canada in 1994, drug overdose deaths and death rates in general in small US towns skyrocketed, in a phenomenon that’s only now being recognized. Some are calling it the “White Death”, as it has mainly affected majority-white counties in the Midwest and surrounding areas.

It was the counties that were hit hardest by NAFTA that gave the most votes to Donald Trump.

The NAFTA hasn’t been any easier on Mexico. Our usurer economists use the media’s nascent racism against lower-class whites (“they took our jerbs!”) to pretend that free trade is a good thing that the lower class opposes because it benefits other poor people. What actually happened after the NAFTA is that it put millions of Mexican corn farmers out of work, since Mexico was flooded with cheap corn produced by US corporations. The devastation caused by NAFTA caused the biggest wave ever of Mexican illegal immigration into the United States.

Usurers and their economists said the NAFTA would help raise the wages of Mexicans. What actually happened is that Mexicans in 2014 actually had lower wages than they did in 1994. Millions of Mexican families had to give up the plots of land that had been farmed by them for generations, as their land was now worthless thanks to US corn.

And usurers on both sides of the border got richer. Mexico’s chief usurer, Carlos Slim, became the richest man in the world for a while.

The root evil of free trade is that it ignores the very, very important fact that the majority of the workforce cannot effectively move from one sector of the economy to another. Once free trade destroys their industry, they are left with nearly nothing. Years of education and training (in the case of US workers), or generations of hard work on a farm (in the case of Mexican farmers), or millions of dollars spent on factories, are made entirely worthless by it.

People are not cattle. And a million-dollar factory cannot magically go from producing car parts, or milling grain, to producing smartphones. When free trade hits, all the investment that went into the factory becomes mostly worthless. The Midwest is full of abandoned and rusting factories that once were worth millions and were surrounded by thriving towns.

There are people who love to write software for computers, and who have spent years of effort, and have collected hundreds of thousands of dollars in debt, to acquire the skills they have. If most of the country’s software industry is suddenly run by foreigners, then local software programmers will have no outlet for their talents, and they will suffer unemployment and lower wages. Corporations will treat them as undesirable, since they cost so much more than foreigners, and the corporations will do their best to only maintain skeleton crews of local software programmers while outsourcing everything that can be outsourced.

Free trade is a great tool for beating employees into submission. If they complain that their wages aren’t sufficient for them to make a living, you can just threaten them to send their jobs overseas. Through the use of this threat, local wages can be kept low, so that more profits go into the stomachs of the usurers who own and run the country’s corporations.

Usurers want to be able to freely import goods and services from China. What they ignore to mention is that China doesn’t allow its own usurers to freely import goods and services from other countries. China only believes in one-way free trade, where it can flood the world with its own products while refusing to take in other countries’ products freely, in this way ensuring full employment for its own citizens and creating unemployment in other countries.

The people who run China are clever, and unlike the US government, their policy decisions are meant for the benefit of the nation as a whole, instead of entirely for the benefit of an all-powerful usurer class. China encourages local industry and employment through charging heavy taxes on imports. Many American and European car makers have been forced to build factories there, since China makes it so difficult for them to import cars built elsewhere. Through this policy, China makes these companies hire Chinese workers, who acquire the technologies of these companies, and through the government’s strong support for local industry, they are able to leave these Western companies and create Chinese alternatives to them. It’s one of the main goals of the Chinese government to reduce imports (its reliance on other nations) so much that by 2025 it means to ensure that 70% of all products the country needs are entirely locally produced. Universities are working with local factories to develop alternatives to materials which so far they have only been able to import from Western countries.

Encouraging local employment and preserving the value of the hundreds of thousands of dollars that go into educating and training a skilled worker is only one of the benefits of restricted trade. The other important benefit is innovation. You cannot innovate in producing passenger airplanes if your country doesn’t have an industry producing passenger airplanes. If all of your airplanes are imported from China, the innovation is going to be happening there. This is the case with LCD/LED screen technology. As most smartphone, laptop and TV screens are made in South Korea and Japan, these two countries are the world leaders when it comes to inventing and marketing new screen technologies. The US, with all of its supposed technological glory, is a complete backwater when it comes to screen technology, because, through unrestricted trade, it has subsidized innovation in these two nations while crippling its own local producers.

By importing any good or service from other countries, we are subsidizing innovation and research in that country, allowing them to maintain a permanent technological edge over us.

The solution to all of this is restricted trade, which we can also call “fair trade”. This was the policy of the United States during its extremely fast industrialization in the 19th century, until it was given up through the efforts of bank lobbyists.

One of the greatest American economists of the 19th century was the anti-free-trade thinker Erasmus Peshine Smith, whose ideas inspired American trade policy until the end of the 1800’s. Almost no one knows his name, since he wasn’t a usurer economist, and his ideas go against the interests of the usurer class, so that not a single mention of him can be found in most of today’s college textbooks. An entire 40 year period of American economic history has been wiped from the public consciousness.

One reason usurers and their media hate Donald Trump so much is that he says he will charge a tax on imports (such taxes are known as tariffs), which threatens their profits, and which will force them to raise the wages of their local workers. It is a policy that will help the peasant class at the cost of the usurer class, and so to a usurer it is utter blasphemy.

The latest defense of globalism and free trade is that sooner or later, everything is going to be automated, so that “bringing those jobs back” is not going to happen anyway, as the jobs will not exist. They are using some imaginary event 50 years in the future to justify continuing their current policy of plundering the working and middle classes. Bringing any industry back to the country would not only bring those jobs back, but will also create a great number of other supporting industries that too will employ people. Usurers will be forced to raise wages, and job opportunities would greatly increase for job seekers.

Yes, automation is a big, looming threat to everyone except the top 10% most skilled workers and professionals in society. But leaving our industries overseas is not the answer, because even if a factory is entirely automated, if it is overseas, the knowledge to run the factory, and the innovation required to improve it and make greater things out of it, will also happen overseas, giving that overseas nation (and its skilled workers) a great advantage over our workers.

The solution is to bring jobs back regardless of automation. As for automation, there is a powerful solution to it known as wealth recycling, that I will address in a future chapter, that will ensure that automation, instead of reducing people’s wages and living standards, will actually increase them.

To oppose free trade, which we should call “globalism”, since the word “free” in “free trade” makes it sound like a good thing to most people, fair trade has to be promoted in its place. That means putting our workers and professionals on an equal footing with foreign ones. We shouldn’t let a usurer corporation like Microsoft import tens of thousands of cheap foreign workers so that it wouldn’t have to raise the wages of local ones. Big tech companies have put hundreds of thousands of skilled software engineers out of work through this selfish and greedy policy.

The usual argument for these companies to import workers is that there aren’t enough skilled workers locally. Anyone familiar with their industries knows that this is a breathtakingly enormous lie. What they are really saying is that local workers cost too much. They want cheap workers who will ensure them continued enormous profits. So far, through importing cheap workers, these companies have managed to create wage stagnation for their workers over the past 15 workers just as executive pay has skyrocketed.

The United States does not have a talent shortage like these companies pretend. It has a massive surplus of talent that is going to waste. There are so many unemployed skilled workers that today even a PhD is not sufficient to ensure employment. A usurer corporation like Google gets to lord it over its employees by getting the best of the best of the country at incredibly discounted salaries, since they always have the power of outsourcing and hiring foreign workers.

There is nothing wrong with Google having an Indian branch that serves India. What is wrong is Google sending most of its jobs to India, and then from there serving the US market. Because this way all of the investment and innovation will happen in India, and Google will be able to offer services to the US market at discounted rates, so that no local company that hires local workers will be able to compete. This is the exact situation that has happened in industry after industry since the 90’s when outsourcing and worker importation soared.

Chinese leaders are very well aware of this and they make Western companies establish local operations there, and make them produce things there, if they want to serve the Chinese market.

President Donald Trump too seems to be aware of this and is promising to fix the matter. While this will be a step in the right direction for the people of the US, it is only a small step. It prevents one type of usurer abuse, but it doesn’t address the root cause of our economic woes: usury. Still, we need to be thankful for any progress made.

I call companies like Microsoft and Google usurer companies because they (and every other big corporation) all practice usury. They amass large hoards of cash, and like any usurer, lend these at interest to others through Wall Street banks. Apple made $4 billion solely from usury (reported as “interest income” on their earnings statements) in 2016, Microsoft made $903 million, Oracle $538 million, Google $434 million, and Facebook $91 million. The actual amount of money invested in usury by these large tech companies is probably upwards of $100 billion, the previous numbers are only the interest they earned on their usurious lending.

Since taxes on imports are, in effect, a tax on the local population (since they end up having to pay higher prices for imports), the tax could be returned directly to the bottom 50% of society as part of the larger uninvested wealth tax that will be covered later. In this way imports will be prevented from destroying local industries on the one hand, and they will contribute to the wellbeing of the poor and the lower middle class on the other hand.

The Wonderful Parallel Universe of Usury

When asked, ‘What is to be said of making profit by usury?’
Cato replied, ‘What is to be said of making profit by murder?’
—Cicero (44 B.C.)

Someone who practices lending at interest is known as a usurer. Usurers have been hated by people throughout history, not just out of envy for their wealth, but because once usurers are in charge of any nation’s economy, wealth inequality explodes: the rich continue to get richer, the middle class stagnates, and the number of people living in poverty grows larger.

Modern economists, many of whom are nothing more than lobbyists for the usurer class, have rewritten the entire science of economics with usury at its foundation, so much so that only one in a thousand economists can be found who can think critically about the effects of usury on the nation’s economy. The majority are so immersed in Usurer Economics that for them to question anything about usury feels the same as questioning the value of breathing air.

What is so bad about earning and paying interest anyway? Shouldn’t a person who lends $10,000 USD to a business earn something in return?

There is one species of this price or reward …when money is lent on a contract to receive not only the principal sum again, but also an increase by way of compensation for the use; which generally is called interest…the enemies to interest… hold… any increase of money to be indefensibly usurious. And this they ground as well on the prohibition of it by the law of Moses among the Jews, as also upon what is said to be laid down by Aristotle, that money is naturally barren, and to make it breed money is preposterous, and a perversion of the end of its institution, which was only to serve the purposes of exchange” “and not increase. Hence the school divines (scholastic theologians) have branded the practice of taking interest as being contrary to the divine law both natural and revealed; and the canon law has proscribed the taking any, the least, increase for the loan of money, as a mortal sin.
Sir William Blackstone, Commentaries on the Laws of England: Book the Second, as quoted in Usury in Christendom, emphasis mine.

Some people who borrow money make profits through the use of this money, so that paying an interest rate of 5%, for example, is of little consequence to them. If you borrow $10,000 at a 5% annual interest rate, you will only have to pay $500 at the end of the year. That’s very little if during that year you made $2000 from the money you borrowed. Your profit is 20%, while the interest rate is 5%, meaning that you make a net profit of 15%, or $1500, during that year. The usurer who lent you the money is satisfied, and you who borrowed the money are satisfied.

To most people today, this seems like a perfectly fair and just transaction.

But it is not. It is one of the most evil and unjust transactions that humans have ever invented. According to the New Testament, the only time that Jesus used violence during his entire career was against the usurers.

Hermann Adler, Chief Rabbi of the British Empire from 1891 to 1911, says: “No amount of money given in charity, nothing but the abandonment of this hateful trade, can atone for this great sin against God, Israel and Humanity.” He is attacking usurers for using philanthropy (widely publicized acts of charity) to justify their usury, saying that no amount of charity will absolve them.

In Europe, during the Medieval and Renaissance periods, usurers were among the most despised classes of society, they had the same social standing as brothel owners, cesspit cleaners and public executioners. It was a source of pride for Christians that they did not engage in usury.

As the centuries passed, usury become commonplace. Usurers rebranded themselves as financiers, capitalists and industrialists, and through performing acts of charity, the majority of them were (and are) also known as philanthropists.

So what is the big deal with usury?

The problem with usury is that the profits of lenders always grows faster than the profits of borrowers. When you borrow $10,000 at 5% interest, within this transaction is the embedded assumption that your prosperity will grow by at least 5% in the next year. This is why Aristotle and many other philosophers and intellectuals call usury “unnatural.” The profits of usury are separate from the profits of the actual economy in which it exists. When usurers lend at 5%, they are maintaining a parallel alternate reality in which the economy grows at 5% in the next year, regardless of whether the actual economy grows at 5% or not.

While some borrowers make good use of the money they have borrowed and make more than 5%, so that they can pay off the usurers and still make a profit, others, because of the millions of different chances that operate in the reality of an economy, make a loss on the money they have borrowed.

They may have borrowed $10,000, and a year later they only have $8,000 left, because their business dealing didn’t work out as they expected. But the usurer, in his alternate reality, continues to pretend not only that the $10,000 still exists, but that the $10,000 made a 5% profit. He collects $500 from the borrower at the end of the year, leaving the borrower with $7500 in cash, and a $10,000 debt to pay off. If the borrower continues to be unlucky the next year, he loses another $2,000 of his cash, but he still has to pay about $500 to the usurer, so now he has $5,000 left in cash, and a $10,000 debt to pay off.

Meanwhile, during these two years, the usurer has earned $1,000 in profit, without losing any of the $10,000 he gave to the borrower, since the borrower is required to pay it back regardless of his or her profits or losses.

Usury is a way of earning money by the virtue of having money, while making others to carry the burden of any risk that comes out of using the money. It is an amazing deal—for the usurer. For the borrower, sometimes it is a good deal, sometimes it breaks even, and sometimes it is pure slavery.

A modern, poignant form of debt slavery today is student debt. A usurer lends a student $200,000 at, let’s say, 5% interest. Within this debt is the assumption that not only will the student be able to use their $200,000 degree to earn that much back over their career, but that they will also make a 5% profit, every year, over the cost of the degree.

As it happens, some students graduate and succeed in the business world, so that they pay off the loan in 10 or 15 years while enjoying a good, or at least an acceptable, standard of living.

But for many students, this is only something that they can dream of. They borrow tens of thousands of dollars, only to spend the rest of their lives barely being able to make the monthly payments on their loans. And ten years after graduation, due to changing economic, political or technological conditions, their degrees may be completely worthless, meaning that they racked up $200,000 or more in debt for something completely useless. This $200,000 will hover over them like a dark cloud for the rest of their lives.

Meanwhile, the usurer in his or her high tower, continues to extract a 5% interest, or $10,000 a year, from the student, with the law enabling them to maintain an alternate reality in which that completely useless degree is actually worth $200,000, and also that that useless degree is enabling the student to earn a 5% yearly profit over the value of the degree.

In 2015, there were 2.8 million Americans over the age of 60 who were still living with student debt. US law, authored by usurers and their lobbyists, prohibits these people from declaring bankruptcy so that they can get rid of this cloud that has been giving them constant stress since their early adulthood. The law forces them to pay it off, and empowers usurers to seize these people’s wages and properties to get not only the original $200,000, but an additional $10,000 yearly profit over and above that for every year these people have had their debt, which, for a person of 60, means for their entire adult lives. Student debt has turned these people into money-making machines for the usurers.

Usury is about creating an alternate reality in which the economy grows at 5%, or 20%, or whatever the usurers are currently lending their money at, and using the law to force this reality on the population, regardless of the actual economy.

In the real economy, each year and each month’s profits are different from the previous ones. One year the economy may make a 5% profit, another a 2.5% profit. A war may break out, or natural disaster may strike, causing the economy to make a loss. Political conditions can change. Trade wars, currency speculation and terrorism can severely damage an economy’s profits.

But in the blissful alternate reality of the usurer, none of this happens. Each year is full of sunshine and great harvests, and the population will have to subsidize this alternate reality for them, by their very blood if they have to.

If all the businesses in the United States borrow $5 trillion from usurers at 5% interest, but they only make a 2.5% profit, they will actually make a 2.5% loss, since they have to pay 5% to the usurers. That is a $125 billion loss that will have to be paid to the usurers.

A business may declare bankruptcy, in which case the government auctions off their assets to pay off the usurers. In such cases the usurers can lose a lot of money. Usurers use this risk of bankruptcy to justify their profits. While this risk does exist, it is the amount of the risk that matters. While usurers do make losses sometimes, their profits are always greater. The whole economy operates like one big rigged casino for usurers, in which 10% of the time they lose, and 90% of the time they win, regardless of economic conditions.

Since the dawn of civilization, it has always been the case that the profits of usurers has grown faster than the profits of the rest of the population. The wealth of usurers balloons while the wealth of the population grows during some years, and decreases during others.

The wealth of usurers grows faster than the wealth of the population, meaning that they always have the upper hand in the economy. They get to buy the most profitable companies and the most profitable patches of land and real estate. They own the biggest mansions and the nicest cars. They live in a blissful alternate reality where every day is a great day—all subsidized by the sweat and blood of the rest of the population.

They are celebrated in the media as philanthropists and art collectors, rather than being cursed for being leeches draining the blood from the rest of society.

Why? Mostly because they own most of the media. You will never, ever hear a critique of usury in the media, whether it is from conservatives, liberals, environmentalists, libertarians or any other media group that claims to have the good of the people at heart.

This chapter is a short introduction to usury. It is not expected that you should understand the true nature of usury until the end of the book, as usury’s effects are complex and often long-term. Continue reading and each chapter will make the matter clearer to you. Do not give up the book just because you are not convinced usury is bad. This is just the beginning.

Addressing the Muslim migrant crime crisis in Europe

Not a day passes except that news of more rapes, murders and assaults by Europe’s new multi-million-strong Muslim migrant population comes out. Europe’s politically correct mainstream media is doing its best to pretend the problem doesn’t exist, which is only infuriating the local population.

In Berlin, 12% of migrants are criminal suspects, while only 3% of the local population are. Berlin’s Senate has launched an investigation into why migrants are responsible for such a disproportionate amount of crime.

Today, Germany is where it was in the late 1920’s. A culture of political correctness is enforced by media that are almost entirely owned and operated by the lender class (banks and their lobbyists, i.e. usurers). They think of their local populations as ignorant, worthless and racist peasants that need to be lied to every hour of every single day in case they get the wrong ideas into their heads. In such an atmosphere, it is unlikely that the Berlin Senate’s investigation will lead to anything, besides more useless liberal projects intended to satisfy their own politically correct prejudices without really addressing the problem.

The problem with Europe’s migrants is not that they are Muslim. Zionist news sources like Breitbart (which is still infinitely better than the crypto-Zionist New York Times and their ilk) cannot stop pointing out that these migrants are Muslim, and that it is the fact that they are Muslim that is responsible for their criminality.

This is complete nonsense, as can be shown by a few simple mental exercises. Do you really think that Nigeria’s Christian population is any less criminal than Nigeria’s Muslim population? And do you think that letting one million Filipino Christians into Germany would lead to any better results than letting one million Filipino Muslims into the country? And do you think that Indian Hindus are any better than Indian Muslims? And what about Malaysian Muslims, these people who are too peaceful, too prosperous, too law-abiding and too intelligent for their existence to be acknowledged by anti-Muslims activists?

Germany has had hundreds of thousands of Muslim Turks living there peacefully for the most part. Argentina has 500,000 Muslims that never make the news. Japan has 100,000.

The problem is not Islam, but genetics. Generalizing about Malaysian Muslims using crimes committed by Afghans or Tunisians is as naive as generalizing about Norwegians using crimes committed by Mexicans, with Norwegians and Mexicans both being overwhelmingly Christian.

Europe, similar to Japan, Malaysia, Iran and Turkey, has gone through a thousand years of evolutionary selection for peacefulness and respect for the law. In Europe, just 150 years ago, criminals were being hanged at an industrial scale, often for minor crimes. Japan’s law enforcement was similarly vicious. The effect was that most genetic traits that lead to criminality were wiped out of the gene pool, resulting in populations that are extremely peaceful and law-abiding, and high in IQ, as respect for the law and IQ go hand in hand, and low IQ and crime go hand in hand.

It is not Islam that is the problem. America’s African-American population are overwhelmingly Christian. And yet their crime statistics have nothing to do with those of the local white Christians. African-Americans make up 12% of the United States population but are responsible for 32.5% of all rapes, 34% of all assaults, 54% of all robberies and 49% of all murders. Is it fair to blame Christianity for this?

The Bell Curve, perhaps the greatest scientific book of the 20th century (on par with Darwin’s Origin of Species), written by the professors Richard Herrnstein and Charles Murray, takes a deep and unpolitically-correct look at the basis for high black criminality, and it is shown beyond reasonable doubt that it is IQ that is responsible before anything else. And since IQ has a strong hereditary component (probably at least 60% or 70% heritable), what their results indicate is that crime is first and foremost an issue of genetics. People of a certain set of genes are more likely to be criminal than others.

Of course, it is unfair and inhumane to use these statistics to derive conclusions about individual black people. If 15% of blacks are criminal, that means the majority, the 85%, is not criminal. And similarly for migrants, if 12% are criminal, it means 88% are not. Black and migrant criminals are the loud minorities that taint the reputation of the whole.

The problem is not that all migrants are criminal. It is that there are more criminals among the ranks of migrants (12% of them) than there are among the ranks of the German (or Swedish, etc.) populations (3%). The majority of migrants and Germans are law-abiding. It is just that migrants have many more criminals among them.

Scientific fraudsters like Stephen Jay Gould (Jewish) and the criminally incompetent “intelligence researcher” Diane Halpern (Jewish) (who manages to write an entire book on intelligence without once mentioning g, the central variable that the whole science of intelligence research is dedicated to), have managed to throw the findings of the Bell Curve down some sort of Orwellian memory hole, aided by Jewish organizations like the New York Times, who pretend to be leaders of American enlightenment thinking while working to enforce their various narrow-minded prejudices on an unwary intelligentsia, continuing the sanctified tradition of Franz Boas (Jewish), ignoring science and attacking scientists for the greater good. They believe that whites acknowledging any genetic basis to intelligence (or anything else that puts whites in a good light) = Nazism = Auschwitz.

It is, however, perfectly fine in their opinions to acknowledge genetic bases for illnesses. And if you mention that Ashkenazi Jews have genetically-mediated high intelligence, they won’t complain. And if you mention that white men have a genetic tendency to be monsters, or that men have a stupidity gene, then they will celebrate it like the discovery of the century and plaster it all over their media. And if you ask whether the finding also applies to black men, they will change the subject. Their job, whether intentionally or unintentionally carried out, is to protect the “bounds on public discourse” by ensuring that no one strays too far from the party line to examine truths that may, in some distant future, be used to discriminate against Jews.

The Solution

There is no quick and easy solution for curing the criminality of a crime-prone population, as America’s experience with blacks and Scotch-Irish whites has shown. It takes hundreds of years of law-enforcement for crime-prone genes to be slowly weeded out of the gene pool. By imprisoning a murderer for 30 or 40 years, their chances of procreating are severely reduced, so that their genes are cast out of the gene pool, and law-abiding genes grow to make up nearly the entirety of the population, as they have done in Western Europe and Japan.

Here are a number of steps Europeans can take to fight back against the migrant crime wave. I use Germany as an example, but it applies similarly to other countries suffering from the crisis:

  1. Instate a very strong anti-crime regime where a single proven criminal offense is sufficient to deport a migrant. In this way the worst specimens can be removed from Europe, so that the 88% non-criminal migrant population grows to make up closer to 97%, in line with Europe’s native population.
  2. Double or triple police presence wherever large migrant populations reside, and wherever large numbers of the local population gather, especially near city centers, and in bus and train stations.
  3. If the government can’t be bothered to protect the population, the people can create civil protection units. These would be groups of 5 men or more, wearing a particular uniform, and wearing bodycams. They would respond to migrant crime, and if the corrupt legal system tries to attack them for defending the local population, the bodycam footage can be used as evidence to show that they were acting in the interest of the people.
  4. If deportation can’t be done because the women in charge have bleeding hearts for these rapists and murderers, long criminal sentences should be instated (20 years or more) to significantly reduce the ability of these criminals to commit crimes on the one hand, and to reduce their ability to procreate on the other hand (by shutting them up with people of the same sex, making procreation quite hard).
  5. A number of language and other courses could be provided freely to adult males of working age. Those who fail to take them, or fail to pass successfully, would be deported. If they cannot pass a few simple courses, or think they shouldn’t have to, they do not have the intelligence and the self-control to contribute in any way to the German civilization and would be a net cost on German society.
  6. German women should warned to be double as cautious of being raped and assaulted as they were before the migrant crisis. The Middle East ensures the safety of its women through a system of chivalry where males (including strangers) are ready to protect them in case of assault. German society has no experience dealing with a young male population that thinks it’s OK to assault and rape given the chance, a young male population that is only kept in check in the Middle East through the presence of other, usually older, males. German women, therefore, for the time being should use the protection provided by German males wherever they can, for example by not going out alone anywhere where they could be assaulted.
    It’s true that they “shouldn’t” have to do any of this, that they should be free to act as before. But this is not before. It’s their lives that are at stake; feminist bravado would only lead to more lives being lost and more women traumatized. Until the migrant crisis is somehow solved, women should take necessary measures to protect and defend themselves.

Of course, the best solution would have been for the migrants not to be there to begin with. If the US (and its European allies), at the behest of its Zionist neocons, hadn’t destroyed Afghanistan, Iraq and Syria to ensure Israel’s status as the regional superpower, and if the CIA hadn’t spent billions funding terrorist groups to ensure perpetual war in the region, there wouldn’t be so many people wanting to leave.

There will, however, always be some economic migrants wanting to go from a less prosperous to a more prosperous state.

Charting the Strauss-Howe Generational Theory in 2017

Below is a chart (click it to zoom) that shows the seasonality of Anglo-American history since the end of the Middle Ages, according to the Strauss-Howe Generational Theory (as described in their 1997 book The Fourth Turning).

This chart is one of the most beautiful things I’ve seen in the social sciences (not the design, but the contents). Any effort to understand modern English and American history without this chart in mind is going to be hopelessly inadequate, similar to trying to understand the history of life without reference to the theory of evolution. In other words, the Strauss-Howe theory is probably indispensable, similar to the Standard Model of physics and the Theory of Evolution.

The blue-pink cross is my addition to the theory. Although The Fourth Turning does mention the seasonality of the rise and fall of feminism, it doesn’t take this to its logical conclusion, which is to propose a Masculinism-Feminism cycle that ticks in synchrony with the seasons of the saeculum.

Below is the inner circles zoomed in (for those who don’t want to click the above chart to zoom in):

The “saeculum” is the word that Strauss-Howe use for each circle of the chart above, four seasons together make one saeculum. A saeculum is generally the length of one human life time, and its regularity has been noted since ancient times. We are currently living at the end of the saeculum that started in 1943, and which will probably end sometime between 2025 and 2035.

Below is the part of the chart that is most relevant to 2017. Many world leaders feel that we are approaching a major war. Countries are preparing for war, with Russia and China at the forefront, and Japan starting its own re-militarization program. According to the Strauss-Howe theory, 2017 is equivalent to 1933 (when Hitler got in charge and started rebuilding Germany’s army), 1854 (when the prospect of an American Civil War felt more and more imminent), and 1779 (the middle of the American Revolutionary War against Britain, and the year of the French Revolution). Needless to say, right now we are living in very interesting times.

Many on the Left compare President Trump to Hitler. What they don’t realize realize (or knowingly ignore) is that Abraham Lincoln and George Washington too rose during similar eras, meaning that Trump might have as much chance to be like these men as to be like Hitler. Comparing people to Hitler has been an old tactic of the Left, and it is losing its power fast.

Slurs like “racist”, “bigoted”, “backward”, “homophobe”, “sexist” come in fashion as feminism rises (in the present area, starting from the 1960’s), and, what the Left doesn’t realize, is that they go out of fashion as masculinism rises (tides will turn around 2021). Using white guilt to make America’s whites vote for incompetent and out-of-touch people like Obama and Clinton is not going to work anymore. That is over. That works in the fall and early winter of the saeculum, but from midwinter and on, a new political culture is established.

The slurs of the new political culture, the culture that rises with the rise of masculinism, and which will last into the middle of the next Awakening around 2050, are going to be “unpatriotic”, “un-American”, “degenerate”, perhaps “homosexual”, and perhaps “blood traitor”, for whites who don’t act in the best interests of other whites. “Blood traitor” is already commonly used by blacks and Jews (not exactly in those words of course), it is only whites who, so far, are not allowed to use it. But that is going to change. And when that happens, vast quantities of popcorn would be in demand as we all watch the vast zombie behemoth of the Left collapse. And, it’s already happening.

On the other hand, the Right may not realize that it is not picnic time yet, and probably won’t be for a long time. A lot of suffering might be in store for everyone. Just because Trump is (or seems to be) well-meaning doesn’t mean it is going to end well. Abraham Lincoln was well-meaning, and he single-handedly plunged the country into the world’s bloodiest war up to that time, a war that might have been prevented by someone less radical and less well-meaning.

As for World War III, we can only hope that the third one will be charm.

The Fourth Turning ends with this beautiful poem from the Old Testament that seems to express the idea of the saeculum, whether intentional or otherwise.

To every thing there is a season,
and a time to every purpose under heaven:
a time to be born, and a time to die;
a time to plant, and a time to pluck up that which is planted;
a time to kill, and a time to heal;
a time to break down, and time to build up;
a time to weep, and a time to laugh;
a time to mourn, and a time to dance;
a time to cast away stones, and a time to gather stones together;
a time to embrace, and a time to refrain from embracing;
a time to get, and a time to lose;
a time to keep, and a time to cast away;
a time to rend, and a time to sew;
a time to keep silent, and a time to speak;
a time to love, and a time to hate;
a time of war, and a time of peace.
– Ecclesiastes 3.1-8

A Method for Measuring IQ Based on Preferred Mouse Pointer Speed

The correlation between intelligence and reaction times is well supported in the science of psychometrics[1]. In this article a potential method for accurately measuring a computer user’s IQ is laid out, based on their preferred mouse pointer speed (the ratio between physical movement of the mouse hardware and movement of the pointer on the device’s screen). This method can be implemented by scientists to screen subjects for IQ studies, and by online advertisers to target a particular IQ demographic. Study designs and caveats are discussed.


As someone who prefers an extremely fast pointer speed on the computers I use, I’ve found that when I let others use my computers, they find the pointer speed unsettlingly fast. While working on a data entry job that required me to copy data from a table on one browser tab and paste it into a web form on another tab, I noticed that with my high pointer speed, I always overshot the targets I wanted to click, then slowed the pointer to a stop, and upon an attempt in the reverse direction at a slower speed, I was able to accurately click the thing I wanted to click.

This sounds like an inefficient method of using a computer, since it requires added cognitive load to reverse direction and go toward the target at a different speed. My hypothesis is that given a particular level of cognitive processing rate (IQ or reaction times), this overshoot-and-correct method of pinpointing a target on a screen actually saves time and allows the user to complete tasks at a higher speed than if the pointer was slower and the user was able to pinpoint a target with a single attempt.

It is likely that most computer users use the overshoot-and-correct method for pinpointing targets. What interests here is that the faster the pointer speed, the higher the cognitive demands of the overshoot-and-correct method becomes, so that there is a point on the IQ-pointer speed curve at which a particular IQ achieves maximum efficiency (enables the user to be maximally productive at the task they are performing):

The above chart is a hypothetical illustration of the relationship between IQ and mouse pointer speeds, based on a diminishing-returns model.

An Empirical Test of the Hypothesis

A group of subjects, using identical computers, are given a data-entry task to perform. The task involves accurately copying tabulated data on one tab of a browser screen and pasting it in a form on a second browser screen that only accepts one row at a time. The users will click a “submit data” button, at which point the page reloads and the users enter the data for the second row from tab 1. The users are rewarded based on task completion time (not the per-row speed but the speed at which they complete the entire test, perhaps taking 30 minutes) and accuracy.

The browser window should take up only part of the available screen (perhaps two thirds). In the remaining screen space a window is shown that the users can use to control the mouse pointer speed. By default, the mouse pointer speed is set to the slowest possible setting, so that all users will require to adjust the mouse pointer speed to a comfortable level. The users are informed by the researchers that they can increase their efficiency (and potential rewards) by increasing the mouse pointer speed. They must also be informed that if the pointer speed is too high, this can negatively affect their performance.

The time required for the completion of the task should be high enough that the amount of time spent on adjusting the mouse pointer speed should only have a minor negative impact on the completion time. The completion time should also be long enough for the users to find their efficiency-maximizing pointer speed. At the beginning of the task users may choose an unnaturally high speed that slows them down by creating a too high cognitive demand. But given enough time, as mental fatigue sets in, users will likely slow the pointer down until they reach a level of “comfort”. This point of “comfort” is what the researchers are seeking to find out, the point at which the pointer speed is at the maximum speed it can be without overtaxing the brain.

A time of at least 30 minutes will probably be required for the study. A time of one hour might provide further accuracy.

At the end of the study, the researchers will gather the subjects’ mouse pointer speed setting, task completion time, and accuracy. Using the following equation, a score can be given to each subject:

score = mouse pointer speed setting * (1/task completion time) * percentage accuracy

Thus a subject who used a pointer speed setting of 1.5, completed the task in 45 minutes with an accuracy of 99% will have a score of 1.5 * (1/45) * 0.99 = 0.031, while someone who used a setting of 2.5, took 40 minutes with an accuracy of 98% will have a score of 2.5 * (1/40) * 0.98 = 0.061.

Task Design Concerns

The best type of task for this study is one where the best users do not finish the task at significantly less time than the average user. Otherwise, if some users finish at 15 minutes when others take an hour, the study might actually be testing for the subjects’ technical proficiency at copying and pasting data and switching tabs than for their pointer speed point of comfort.

Another concern is the use of keyboard shortcuts, which can significantly enhance task completion time. For this reason subjects can be given computers without keyboards, or if using laptops computers, the keyboards should be covered with a material that effectively prevents the subject from using it.

Generalizing the Results

Using JavaScript code embedded in the browser tabs used in the study, a pixels-per-second value can be derived that can be used to compare pointer speeds across browsers, operating systems and hardware set ups. A standard IQ test given to the subjects (perhaps on a different day to reduce the effects of mental fatigue from the task) will determine their IQs. The researchers can then study the correlation between user scores, their preferred pointer speeds measured in pixels-per-second, and their IQs, which according to my hypothesis are all going to be highly correlated.

In this way, a formula can be derived that given a particular pixels-per-second, produces the IQ of the user with reasonable accuracy. This formula can then be implemented in JavaScript and embedded in web pages. Websites can use it to determine the IQs of their visitors. Advertisers can use it to make their highly irrelevant ads slightly less irrelevant.

Touchscreen Devices

This IQ-measuring technique will not work on touch devices due to the lack of a mouse. While an interaction-latency technique can be developed (how a long a user takes to interact with the various prompts and other buttons on an app, for example), this will be less useful than the mouse pointer speed technique due to the fact that there is no overshoot-and-correct phenomenon going on. We are left with the much less useful data point of how long a user takes to interact with an app, which is affected by the app’s user experience design, the user’s familiarity with the app, and the size of the screen of their device (whether they can reach the button with the a finger on the same hand that is holding the device, or if they need to use the fingers on the other hand).

The point here is that while on a computer, a generalized tool can be develop that can be embedded on any website to measure a user’s IQ, on touchscreen devices, no such general tool can be developed. On a computer, the generalized tool can instantly tell the user’s IQ without having them do a test (by simply measuring their mouse pointer speed setting), while on a touchscreen device the user will have to be tested and measured for their IQ to be found out.

Accounting for Technical Proficiency

Probably a large percentage of the population are not proficient enough to know how to change their computer’s mouse pointer speed, meaning that they will be stuck with the default pointer speed that comes with their computers. And even more importantly, many are probably unaware that increasing pointer speeds can improve their computer experience. I have seen people use computers with cumbersomely slow pointer speeds, needing to pick up the mouse and drop it somewhere else on their mouse pads to continue finishing a single mouse movement.

For this reason, it must be determined at which IQ level a user becomes self-observant and proficient enough to know that increasing mouse pointer speeds can have a benefit, to know that this is possible on their system, and to know how to do it (or find out how to do it with an internet search). As a hypothetical example, an IQ of 110 might be needed for someone to have the self-observance and proficiency to set their pointer speeds to their comfort levels. This means that if someone has a lower pixels-per-second rate, we cannot accurately tell what their IQ is. It might be 85 or 100. They don’t know how to change their computer’s pointer speed, therefore their pixels-per-second rate alone cannot reliably predict their IQ.

This is partially (or largely) mitigated by the fact that a user can choose to move their physical mouse faster or slower, regardless of the pointer speed setting, so that they can achieve their desired pointer speed. Therefore using the pixels-per-second as a measure of IQ might be highly accurate except in the circumstances where a user’s mouse pointer speed is set so low that moving their hands faster cannot overcome the slowness, or when the mouse pointer speed is set too high and the user cannot adjust their hand movement to slow down the mouse enough.

Improving the Dataset

The previous study I described can be used to establish whether there is any truth to a correlation pixels-per-second pointer speed rate and IQ. However, for industrial application, a different type of study is required. Instead of building a pixels-per-second to IQ database based on lab-derived data, a more accurate picture can be drawn by having subjects take IQ tests in the lab, but having them visit a web page on their home computers that records their pixels-per-second rate and sends the data back to the researchers.

In this way the real-world correlation coefficient between IQ and mouse pointer speeds can be established that accounts for the various factors that affect the measurement, such as different software and hardware set ups and different times of day.


[1] Jensen, Arthur R. “Why Is Reaction Time Correlated with Psychometric G?” Current Directions in Psychological Science 2, no. 2 (1993): 53-56.

Feminism as a self-eliminating eugenic tool

Every society selects for something. —Greg Cochran

Feminism—and I use this term as a synonym for “female supremacism”, the mainstream ideology of Women’s Studies departments at Western universities—severely restricts the fertility of individuals that subscribe to its tenets. There are, however, communities of individuals that are immune to feminist evangelism and who continue to function as if they are in the sweet English countryside of Queen Victoria’s time, where feminist talking points seem crazy, outlandish and irrelevant.

There is a certain set of genes, when paired with a certain type of culture—thus a gene-culture—that creates immunity to feminism. The necessary feminism-resistance genes probably have the most to do with intelligence. Enough intelligence is required to recognize the good in feminism and then going beyond it, knowing that the right way to create a fair and peaceful world is not through hate and supremacism. On the culture side, conservatism or empiricism are required, meaning that feminism-resistant people are overwhelmingly conservative, but the odd liberal can be found who insists that feminists must produce empirical support for their policies before he or she follows their way of life.

There are folks among anti-feminism activists  who think that feminism will cause the end of humanity through sub-replacement fertility. My optimistic view is that feminist eugenics will continually eliminate feminism-prone gene-cultures across the generations, so that only feminism-resistant gene-cultures remain. Since feminism is an anti-fertility tool, any society that adopts it will engage in an eugenic experiment where feminism-resistant gene-cultures have a much higher fertility rate than feminism-prone ones, meaning that within just a few generations, feminism-proneness can get eliminated from the gene-culture pool.

An example of a group that possesses a feminism-resistant gene-cultures is people who are middle class extremely conservative white Christians who, while appreciating that women’s equality is a good thing, reject the rest of feminism’s outlandish baggage. These people, despite the best efforts of liberals in the media and in college to infuse their minds with feminism and self-hate, and even though they probably lose 22% of each generation to less conservative blocs, rather than giving up on life and shrinking, they continue to grow.

If you see a white feminist girl who comes from an extremely conservative Christian family, it is not a sign that the world is ending for conservative Christians. She is merely a member of the 22% “leaver” minority.

Other feminism-resistant gene-cultures are conservative Muslims, who, while losing a sizable amount of each generation to feminism, rather than shrinking, they continue to grow. Orthodox Jews may also be a feminism-resistant gene-cultures.

An instance of a member of a feminism-prone gene-culture is a white Christian girl who believes in her parents’ conservative ideals, but who goes to college and becomes enamored with feminism and rejects her background. It doesn’t matter whether it was her genes (for example an IQ not high enough to see feminism’s failings) or her culture (a self-contradictory version of Christianity), the result is that the gene-culture becomes infected with feminism and loses its capability to reproduce effectively.

The longer that feminism is active in a society, the more feminism-resistant the society becomes, as feminism eliminates most feminism-prone individuals from the gene pool.

Gene-Culture Drift and the Feminism Cycle

Once feminism has been utterly defeated and consigned to history, its feminism-eliminating eugenic effect will disappear. What happens next is that feminism-prone gene-cultures will acquire higher fertility (as feminism is no longer there to restrict fertility). Segments of society will appear that are less appreciative of conservative ideals and more open to new and interesting ways of life. They will enjoy the high fertility of the feminism-resistant societies they live in. Once the feminism-prone population reaches critical mass, a catalyst such as the Sexual Revolution of the 60’s can give rise to a new wave of feminism, while also turning off the high-fertility switch in the infected population.

It is my view that the generation born after the Millennials (those born after 2005) will be the worst nightmare of feminists. White Millennials have already shown their blasé stance toward feminism and other extreme liberal ideologies by voting more for Donald Trump (48%) than for Hillary Clinton (42%) [according to Bloomberg]. The 2005+ generation is quite likely to go full anti-feminist despite being subjected to fascist-level all-out pro-feminist propaganda in schools and the media. The rise of nationalism in Europe and the United States, quite reminiscent of 1920s Europe, is a harbinger of what’s potentially to come.

However, there is no need to celebrate. Feminism will probably be old and boring news in 2050, but just when it dies, that is when it starts rising again.

One thing that needs to be clarified is the timeline that the feminism rise and fall cycle follows. Is it one human life time (every 80 years, as suggested by mid-1800’s and early 1900’s, and 1970’s feminism), or does it follow a centuries-long timeline with short-term ups and downs and general trends upward and downward?

Another question is whether each feminism cycle, through eliminating pro-feminism gene-cultures, makes its next resurgence more difficult or less. Now that feminism is running completely wild in the West, its anti-fertility effect is also running wild, meaning that it is eliminating pro-feminism gene-cultures with great efficiency. This could mean that the next feminist resurgence will be slower and weaker as a lot of time will be needed for pro-feminism gene-cultures to spread again through gene-culture drift.

The good news is that if feminism selects for one thing, it is feminism-resistance, meaning that feminism can probably never achieve a dystopian level of supremacy, as it always contains the seeds of its own destruction by killing off the offspring of its own supporters.

Another Ray of Hope

In my blog post “The death of false ideologies” I outline another process by which feminism (and other false ideologies) can meet an early demise: The possibility that children born to feminist parents will find the ideology boring and stifling. This is an important reason in my belief that the 2005+ generation is going to be anti-feminist, as many of them will be growing up in a world where feminism reigns supreme. Feminism, similar to communism, looks good from the outside. But once people are actually subjected to its tyranny, they will hate it with an exquisite passion.

Islam, the Good Parts: Guaranteed Basic Income for Women

One thing that is rarely mentioned when speaking about Islam, even among Muslims, is that Muslim women don’t have to work. They can work if they want to, but they don’t have to if they don’t want to.

Islam makes it the duty of a woman’s male relatives to take care of her financially. Men have to provide for their sisters, mothers, wives and daughters. This is not merely an act of charity that men are encouraged to do. It is their legal duty. In a devout Muslim society, no woman can ever be homeless as long as she has a self-respecting male relative.

This provides a tremendous sense of freedom for women, including single women, who want to do creative work. They can focus on doing what they like, for example growing a small business or a writing career, while enjoying freedom from the stress of having to earn a living. Instead of having to work for potentially abusive employers or customers, they will have the option of only choosing jobs they like and leaving whenever they want.

In a country like the United States where two incomes are often necessary for a small family to maintain a dignified existence, it may seem unrealistic (and potentially unfair to men) for such a system to be implemented. How can a few men provide for so many people? The answer is Islam’s mechanisms for wealth-preservation and the encouragement of productive investment that ensure the super-wealthy can never get too financially powerful and collude to lower wages as has happened in the United States, and also ensures that a single stream of income is generally enough to feed a large family. These mechanisms, such as the ban on interest and the speculation tax, will  be discussed later on.

There is one flip side to the system that needs to be mentioned. When inheritance is distributed, women receive half as much as men. Since Islam puts all financial duties on men, it rewards them by giving them a larger share of inheritance, as men’s wealth is, after all, also partially women’s, as a man is obliged to take care of all of his close female relatives. Islam, however, doesn’t run away with the idea of a male-provider society by giving all inheritance to men, since not all men can be relied upon to be good and fair care-takers of women. It also doesn’t run away blindly with the idea of equality by giving men and women equal shares of inheritance when it has burdened men with heavier financial duties. It chooses a middle ground between the two extremes. It gives men more duties and a larger inheritance, while also providing a fall-back in case of unfair and undutiful male relatives by giving women a half-share of inheritance.

The virtues and evils of such a system can be debated. Why not give men and women equality in all things? Islam’s view is that men and women are not identical when it comes to all things. It assigns different rights and duties to each sex depending on their particular strengths and weaknesses.

The main issue at question here is this: Is a system that takes the differences between the sexes into account more likely or less likely to be fair, compared to a system that assumes men and women are exactly the same? Is it unimaginable that differentiating between the sexes can lead to a fairer system of rights and duties compared to turning a blind eye to all differences?

Feelings run high when this matter is discussed. The only way to resolve the matter is to undertake large-scale scientific studies to find out whether sex-aware systems lead to better societal outcomes compared to sex-blind systems.

Does it improve the mental health and happiness of women for them to know they will never have to work, and for them to know that there isn’t one chance in a million for them to ever be homeless (given the potentially dozens of male relatives eager and willing to take care of them if they lose their homes or jobs)?

Does it increase or decrease a woman’s chance of career advancement for her not to have to worry about making a living while she focuses on her studies or work? Or is it better to put her in debt and compel her to work as a waitress or bartender so that she can make ends meet while she studies or grows her small business as it is done in the United States?

If we cherry-pick facts and anecdotes, we can make either system look good or bad, but rigorous and empirical comparisons can be done. We can fully resolve the debate through decades of unbiased social research  that compares the outcomes of an Islamic system to competing systems.

Any comparison’s of an Islamic system compared to others will have to take account of IQ, as IQ is the most important factor in determining a population’s prosperity. India is much poorer than China, for example, not largely because of Hinduism versus Communism or Buddhism, but because India’s average IQ is in the mid-80’s, while China’s IQ is above 100. Populations of equal IQ tend to converge toward having the same level of prosperity. China is in the same league as South Korea and Japan when it comes to IQ, so it is practically certain that it will reach the same level of prosperity as these two countries within a decade or two. India, however, is in the same league as the Dominican Republic and Paraguay when it comes to IQ, so as it develops, it will converge toward the same level of prosperity as these two countries. Of course, different population sizes and natural resources will affect things, but not to a great degree, and the larger the populations of the countries that we are comparing, the smaller will the effect of natural resources become. To study this topic further, I recommend the book IQ and the Wealth of Nations by professors Richard Lynn and Tatu Vanhanen.

To have a fair comparison of an Islamic system compared to others, we can compare ethnic Japanese Muslims to ethnic Japanese non-Muslims in Japan (similar IQ, same country) and see how Islam’s system of rights and duties affects the Muslim population compared to the non-Muslim one. Are ethnic Japanese Muslim women happier, more productive, more mentally healthy compared ethnic Japanese non-Muslims, or not?

Unlike Communism, whose adherents can claim that it wasn’t properly implemented when it fails, the Islamic system can be scientifically tested. The requirement is to account for IQ and devoutness (a Muslim who uses credit cards, mortgages and for-profit insurance is not following Islam properly and should not be counted toward the Muslim side). Examples of devout Muslim populations that can be studied are the conservative Muslim middle classes of Egypt and Malaysia. Egypt’s conservative Muslim middle class can be compared to the middle classes of non-Muslim countries of similar IQ (low-80’s), such as Honduras, Nicaragua and the Dominican Republic. And as for Malaysia (IQ 92), we can compare the conservative Muslim middle class there with the middle classes of Greece, Ireland, Bulgaria and Lithuania.