資本主義崩潰,卻要美國納稅人來修復(富爸爸 清崎 網路文章)

我們都知道,2001年9月11號有個驚天動地的變化,紐約世貿中心的雙塔建築倒了。

今年,在 911 前夕,房地美和房利美這個金融雙塔也倒了。然後,9月15,雷曼兄弟和美林從世上消失。事實上,再加上被接管的 AIG,我們可以說金融有"三塔"倒掉了。

幾年內,我預期最大的雙塔將倒掉,那就是社會福利體系和健保。既使現在,這兩個社福體系也已經岌岌可危。在我們承認金融政策有大問題之前,我們還能夠承受多少類似這種的金融原子彈爆炸原點?

政府也無計可施
我個人認為,最大問題是有太多美國人把希望寄託在今年的總統候選人身上,希望歐巴馬或麥肯能夠解救金融體系。我們在財務上何時變得這麼脆弱,居然把經濟獨立寄託在政客身上?美國憲法哪一條規定政府必須為人民解決財務問題?

為何世上會有越來越多人希望政治領導人為他們的財務生活負責?好像只要那個候選人答應每個人的鍋裡都能有隻雞,或者房貸都可以不繳,那大家都會投票給他。

我們現在的問題沒有一個候選人能解決:整個學校體系都缺乏廣泛且必要的財商教育。不然,誰能解釋為何政客和金融領導人怎會被允許犯下這麼嚴重的財經錯誤?不然,怎會有這麼多消費者他們的債務竟都淹到眼睛那麼高。還有,怎麼會有這麼多的民眾,居然會期望政府能在短時間內解決這次的金融風暴?

在水面下
幾個月前,我一個夏威夷的朋友問我,要不要買他新買的雙引擎動力遊艇。他在 2007年底用八萬五千美元買下這條遊艇。當時打的如意算盤是把房子送去銀行重新鑑價,然後把多出來的錢再貸出來付遊艇的餘款。
後來銀根緊縮無法增貸,他便打給我 — 只要我幫他付掉餘款船就是我的。我並沒有答應,隨後遊艇也被銀行拿走。最近他太太打給我,說他連房貸也無法償還。很明顯地我這位朋友付房貸的方法和買遊艇的方式一樣,都是設法增貸用新債還舊債。

我提到這個故事,因為它點出歐巴馬和麥肯面對的問題:有限的財商教育與消失的金融常識。很明顯的,我們和國家的經濟領導人在學校時都是受一樣的財務教育。

冷眼相看
如果你想知道美國的資本主義巨塔們將如何傾頹,我建議讀這本書:"The Creature from Jekyll Island“(by G. Edward Griffin) 這本書不容易找,但一旦閱讀就停不下來。在很多方面來說,它是一本懸疑小說,有關如何用金融"謀殺"中產階級。

書中很重要一課,是政治領導人如何用經濟話術誘騙大眾。那些超級有錢的人如何使用經濟系統合法地劫掠社會大眾,而且還是利用他們的愛國情操。當我們的領導人說"我們緊急援助房地美和房利美是因為我們要保護美國民眾",他們實際上的用意是: “我們得解救我們有錢的盟友。"

銀行家與政客要做的只是揮舞星條旗,再演奏一些愛國歌曲,當群眾們開始眼眶泛紅時,他們就可以再給那些合法的強盜們更多的經濟援助。沒錯,忽視是一種幸福,但忽視的代價同時也很昂貴,需要以自由為價。

危險的自由精神
緊急措施意味著很多事。首先,印製大量鈔票意味著通膨。這樣不但不會幫助民眾,還會讓窮人和薪水階級嚐到錢變薄的苦果。另外緊急援助就是在保護富人和那些不適任的人。如果妳或我生意失敗,我們就破產。如果我們無能又犯法,我們就會進監獄。但如果妳富有,而且又有政治關係,妳的失敗就能夠被政府的緊急援助所保護,這樣合理嗎?

身為一個海軍陸戰隊與越戰老兵,我很遺憾的發現我當年獻身戰場所保護的自由,竟然被銀行家與政客所偷走(譯按:為了解救這次危機,美國國會讓予行政體系極大的權限)。不幸的,很少有人知道"國家主義"與"社會主義"的差別。社會主義是人民把權力交付給政府,而不是交付給大企業。現在這麼做意味著我們越來越脆弱,因而需要一個至高的權力來照顧我們 — 但就是相同的這個至高權力,把我們引進了現在的困境。(譯按:一般民眾為了求生活安全,把自由與獨立意識交出去,給大有為政府越來越多權限,希望政府能保護他們。亦即為了安全與保障放棄了自由與獨立,這與美國獨立建國的理念相違背。)

不用多久,當房地美、房利美、美林、雷曼兄弟、AIG 都倒光後,會有比金錢更重要的的東西也會接著倒下來。我們喪失的,就是這個國家賴以創立的"自由精神",這也正是世界上許多國家求之而不可得的。

As Capitalism Crumbles, U.S. Taxpayers Pick Up the Pieces

Posted on Tuesday, September 23, 2008, 12:00AM

As we all know, the world changed drastically on Sept. 11, 2001, when the twin towers of the World Trade Center fell.

This year, on the eve of Sept. 11, the twin towers of Fannie Mae and Freddie Mac crumbled. Then, on Sept. 15, Lehman Brothers and Merrill Lynch disappeared. Actually, that was a triple-tower collapse if you count AIG.

In a few years, the biggest pair of towers will collapse: Social Security and Medicare. Even today, they’re looking shaky. How many ground zeros can we as people, a nation, and a world withstand before we admit something is very wrong with our global financial systems? What will it take to wake us up?

Government Can’t Fix It

Personally, I believe the biggest it’s a problem that so many Americans are looking to this year’s presidential candidates, Barack Obama and John McCain, to save our financial system. How did we become so financially weak that we surrender our economic independence to politicians? Where does it say in the Constitution that the government should solve our financial problems?

And why have so many people throughout the world come to expect financial life-support from their political leaders? It seems most people will vote for anyone who promises a chicken in every pot and a guaranteed mortgage payment.

We’re in the midst of a problem neither candidate can solve: A lack of comprehensive financial education in our school systems. What else explains the economic blunders committed by our political and financial leaders? Or why so many consumers are in debt up to their eyeballs? Or why millions of people expect a quick government fix of some kind?

Under Water

A few months ago, a friend of mine from Hawaii asked me if I wanted to buy his new powerboat with twin motors. Apparently, in late 2007, he purchased it brand new for approximately $85,000. His plan was to refinance his house when it appreciated in value and use the difference to pay for the boat.

Failing to obtain new financing, he called to ask me if I would buy the boat from him — just take over the payments and it was mine. I passed, and the bank eventually repossessed his boat. Later, his wife called to tell me he’s now having problems making his mortgage payments. Apparently, my friend planned to pay for his house the same way he planned on paying for the boat, by refinancing his debt.

I mention this story because it illustrates the problem Obama or McCain face: Limited financial education and diminished financial common sense. Apparently, my and the nation’s business leaders all went to same school of finance.

A Cynical Aside

If you want to know why the towers of American capitalism are crumbling, I recommend reading “The Creature from Jekyll Island" by G. Edward Griffin. It’s not an easy book to find, but once you start reading it’s to put down. In fact, in many ways it’s a murder mystery about the financial “murder" of the middle class.

A very important lesson in the book is how political leaders use financial spin to deceive the public. The very, very rich use the system to legally steal from the rest of us by appealing to our sense of patriotism. When our leaders say, “We’re bailing out Fannie Mae and Freddie Mac because we want to protect the American people," they really mean “We’re saving our rich friends."

All the bankers and politicians have to do is wave the red, white, and blue, play a few bars of “Yankee Doodle," and the masses get teary-eyed and pledge greater allegiance to legalized robbery. Yes, it’s true that ignorance is bliss — but ignorance is also expensive, and it cost us our freedom.

Freedom at Peril

A bailout can be different things. First, printing more money is a kind of bailout that leads to higher inflation. Rather than protecting people, it makes life for the poor and middle class more expensive. The other kind of bailout is protection for our rich and incompetent friends. If you or I fail at business, we fail. If we cheat and fail, we go to jail. But if you’re rich and politically connected, your incompetence may be protected by a government bailout.

As a former Marine and a Vietnam War veteran, it saddens me to see some of the freedoms I thought I went to war to protect being stolen from us by bankers and politicians. Unfortunately, few Americans know the difference between the words “nationalize" and “socialize." Socialize means we turn more of our personal powers over to Big Brother, not free enterprise. It means we as a people grow weaker and need a higher power — the same power that got us into this mess — to protect us.

In short, when the towers of Fannie, Freddie, Merrill, Lehman, and AIG came crashing down, more came down than just money. What we’re losing is the very freedom this country was founded on, and what most of the world yearns for.

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