Bankers And Mortality Tables

First, it is now totally out of control: the US government how holds or guarantees or takes total losses on 90% of all American mortgages.  This is insane socialism.  Sane socialism takes care of everyone.  Insane socialism puts everyone into debt and then holds this debts and eats the losses from bubbles.  On top of this, now that bankers have nearly totally ceased holding mortgages, they need some system to keep feeding themselves annual payments!  So they are lighting on the ancient idea of bundling and selling life insurance!  This is being presented as something new.  It is not new.  

.

Major U.S. Role in Mortgages Shaping Entire Market – washingtonpost.com

In the go-go years of the U.S. housing boom, virtually anybody could get a few hundred thousand dollars to buy a home, and private lenders flooded the market, aggressively pursuing borrowers no matter their means or financial history. .

Thanks to Fannie Mae, all this army of mortgage underwriters flooded Fannie Mae with their poorly-researched loans.  Since they didn’t hold these loans, why worry if they are not paid off?  Before the bubble, Fannie Mae and other government programs held less than 60% of the nation’s mortgages.  Now, it is nearing 100%.

.

We know from the Reagan years that government programs backing lending to the lower classes tend to breed political corruption, fraud, overvaluation of slum housing and kick-back schemes.  And on top of all this, the poor can’t pay back due to being poor.  Working wages have been dropping ever since 1982.  So the ability to keep up with other costs is declining, not rising. Borrowing on a declining income is impossible.

.

Since this is impossible, governments have one major concern: to help workers gain higher wages.  Not, more debt but more income.  The tax cutting regime was launched, again, due to other forces.  That is, inflation was pushing workers into higher and higher tax brackets.  Instead of indexing taxes to inflation, the government cut taxes. This is simple to understand: cutting taxes is politically popular!

.

On top of not indexing taxes to inflation (or deflation) the government also increased public spending, doubling the debt every 8 years while cutting taxes!  This, in a nutshell, is why the US is going under very fast.  We can’t correct one problem without first correcting all the others.

.

Now the pendulum has swung to the other extreme. Only one lender of consequence remains: the federal government, which undertook one of its earliest and most dramatic rescues of the financial crisis by seizing control a year ago of the two largest mortgage finance companies in the world, Fannie Mae and Freddie Mac. .

It is worse: the Federal Government is the only real insurer since it took over AIG.  And it is the only capital creator via selling government debt to foreign powers like China, Japan and Russia (alarm bells should be ringing very loud in our years over this list of names!) and the government is the only one who can really create a carry trade, that is the ZIRP system we have now!

.

While this made it possible for many borrowers to keep getting loans and helped protect the housing market from further damage, the government’s newly dominant role — nearly 90 percent of all new home loans are funded or guaranteed by taxpayers — has far-reaching consequences for prospective home buyers and taxpayers.

.

Since 90% of the loans are owed by taxpayers (I am joking a little here) we are also the bank that is capitalizing these loans and the way we do this is to sell our future to foreign trade and power rivals all of whom are interested in winning great victories over us, wiping out all previous war losses such as Russia losing the Cold War, China losing the Opium War, and Japan losing WWII.  I know people yell at me every time I make grand historical pronouncements like this but frankly, if we are going to understand human psychology and the arc of history, we better grow up and stop being naive about human collectives.

.

Anyone who imagines Japan is happy with losing WWII, all you have to do is look at much of Japanese anime.  It is very militant.  It has lots of dreams about using massive robots to augment fighting forces so the small Japanese warriors can go immense things.  Many times, the Americans are the evil doers in these shows.  Another thing I notice is how old WWII Japanese planes and battleships are resurrected as hyper-power space craft, etc.

.

Trust me, the Japanese have not forgotten WWII.  The rest of Asia and Australia and others have been very outraged by Japanese prime ministers worshipping at the war shrine in Tokyo but the US has been pretty much silent.  We really think the Japanese are our buddies.  No one is anyone’s ‘buddy’ in world trade, world politics or world finances.  Everyone has interior reasons and desires and ignoring this psychology is dangerous as well as naive.

.

Now, on to today’s big story, the genius wizards who infest our financial systems have cooked up a new way to make profits roll in effortlessly.  They lost a grip on the mortgage resale markets which have collapsed.  The Derivatives Beast is very much alive and has this insane urge to grow to infinity and the people feeding this creature need new food for it and they reached back in time to revive the annuities gambling house.  So, let’s go look at this item by item so we can see how this business really works:

.

Back to Business – Wall Street Pursues Profit in Bundles of Life Insurance – Series – NYTimes.com

The bankers plan to buy “life settlements,” life insurance policies that ill and elderly people sell for cash — $400,000 for a $1 million policy, say, depending on the life expectancy of the insured person. Then they plan to “securitize” these policies, in Wall Street jargon, by packaging hundreds or thousands together into bonds. They will then resell those bonds to investors, like big pension funds, who will receive the payouts when people with the insurance die. .

OK: I see an Ouroboros situation here: the elderly are in financial trouble.  Many of them are selling their life insurance policies so they can stay alive and pay off bills or pay for nursing home care, etc.  These things are stuff that social systems run by governments are supposed to be doing.  But in the US, we insist on this alternative system.

.

So, the bankers who caused the entire planet’s finances to collapse plan to earn obscene fees selling life insurance plans the elderly are selling due to financial difficulties…and selling these to PENSION FUNDS…which pay money to these same people selling their life insurance policies so they can stay alive.

.

Instead of the original meaning of these policies which was to pay HEIRS, it is now going back into the murk to pay….BANKERS!  Ta-da!  Not only that, the sooner the saps die who sell their insurance, the happier the bankers will be.  Temptation to cause death rises.  The bankers then have little incentive to see the elderly stay alive.  A bad thing.

.

The earlier the policyholder dies, the bigger the return — though if people live longer than expected, investors could get poor returns or even lose money.

.

Already, I see great paranoia that ‘the elites want to kill us.’  And so far, this is unjustified.  But not in the future if we set up a system like the one above.  That is, if dying makes the bankers and investors richer, they have great incentive to insure this happens.  This is why our entire system is in tension.  People fear the government may want us all to die. This is a reasonable fear.  Even as most of the actual understanding and analysis (phobias about fluorine in the water, for example) is totally insane or misplaced or exaggerated.

. Either way, Wall Street would profit by pocketing sizable fees for creating the bonds, reselling them and subsequently trading them. But some who have studied life settlements warn that insurers might have to raise premiums in the short term if they end up having to pay out more death claims than they had anticipated.

.

In other words, this will end up being another hidden TAX on the system.  That is, not only do taxpayers provide the capital and eat the losses on 90% of all mortgages, any life insurance policy holders will see their payments go up so the bankers can bundle and sell these policies and then collect on them as people die earlier than expected due probably to the high payment/tax burden this bizarre anti-social system imposes on us in curious ways!

.

What we are seeing is a pirate raid.  The bankers exist to skim off of the economy, whatever they can.  So far, they skim nearly 30% of our economy and pay obscene bonuses for this practice and are providing EXACTLY NO SERVICES AT ALL.  They are not capitalizing the system. They are not holding mortgages.  They are not taking any losses when these occur.  They are not paying back money which grew while they handled it. They are not paying any interest rates to savers at all thanks to the ZIRP system they set up this year.  They dumb debts on top of businesses in the useless buy-up/buy-out system they created thanks to creating too much credit. And they insure nothing.

.

So why have bankers?  At this point in time, it is possible to suggest they should be made illegal!  THE GOVERNMENT IS THE BANKER.  The bankers turned our government into a bank and themselves into looters.  The Federal Reserve is key to this system because it is a private bank that lends to our government and it has NO capital at all except perhaps for the Fort Knox gold which was originally owned by the US public.  Aside from this, the Fed makes the money it lends our government out of either thin air or sells it to…Russia, Japan, China, Germany and others who have some rather queer historical backgrounds that should alarm us out of our snooze.

.

Now, I want to go backwards in time to see why this new bundling of death money is so dangerous and how it happened in the past and why laws were passed to prevent this:

.

Annuities – History of Annuities

During the 17th century, annuities were used as fundraising vehicles. In Europe, governments were constantly looking for revenue to pay for massive, on-going battles with neighboring countries. The governments would then create a tontine, promising to pay for an extended period of time if citizens would purchase shares today.

.

The history of banking is not all about trade. No, it is all about wars. Trade is the byproduct of the war lending. Bankrolling trade isn’t so very difficult nor is it that profitable. But bankrolling wars: this is the Land of Infinity! First, it involves not accidental deaths due to storms sinking ships, as trade lending has to contend with. No, death is guaranteed! There WILL be deaths, lots of deaths! Lots of looting. Lots of rapine, cities being burned to the ground!

.

This is the Cave of Wealth and Death, personified. If someone wants to go to infinity, going to war is the quickest and shortest route. Today,we can have infinite war and kill all of ourselves in it! Very easy and actually cheaper than fighting in Afghanistan. This war can last for exactly one day!

.

So, lifetime annuities were created to fund wars. This dark beginning to this form of finance should give us all pause. When doing this, great care is required to not make this all about killing, murdering and stealing.

.

The United Kingdom, locked in many wars with France, started one of the first group annuity called the State Tontine of 1693. Participants in these early government annuities would purchase a share of the Tontine for £100 from the UK government.

.

In return, the owner of the share received an annuity during the lifetime of their nominated person (often a child). As each nominee died, the annuity for the remaining proprietors gradually became larger and larger. This growth and division of wealth would continue until there were no nominees left. Proprietors could assign their annuities to other parties by deed or will, or they passed on at death to the next of kin.

.

The dark soil in which the Tulip Bulb mania and all the other bubble manias is here!  The annuities had the flavor of eternity.  That is, they could last forever if they were sold or inherited.  The only way to stop these perpetual finance machines that leaked wealth out of the system systematically was to have a massive war or revolution. Then, the new rulers would tear up the annuities and burn them along with whole cities and pyramids of skulls.  Let’s look at life insurance which is a variation of these annuities;

.

Life insurance – Wikipedia, the free encyclopedia

The beneficiary receives policy proceeds upon the insured’s death. The owner designates the beneficiary, but the beneficiary is not a party to the policy. The owner can change the beneficiary unless the policy has an irrevocable beneficiary designation. With an irrevocable beneficiary, that beneficiary must agree to any beneficiary changes, policy assignments, or cash value borrowing.

.

In cases where the policy owner is not the insured (also referred to as the celui qui vit or CQV), insurance companies have sought to limit policy purchases to those with an “insurable interest” in the CQV. For life insurance policies, close family members and business partners will usually be found to have an insurable interest. The “insurable interest” requirement usually demonstrates that the purchaser will actually suffer some kind of loss if the CQV dies. Such a requirement prevents people from benefiting from the purchase of purely speculative policies on people they expect to die. With no insurable interest requirement, the risk that a purchaser would murder the CQV for insurance proceeds would be great. In at least one case, an insurance company which sold a policy to a purchaser with no insurable interest (who later murdered the CQV for the proceeds), was found liable in court for contributing to the wrongful death of the victim (Liberty National Life v. Weldon, 267 Ala.171 (1957)).

.

Over the years, the government had to regulate these insurance policies. The trend for investors seeking benefits is to piggy back onto something else and then collect goodies if something happens.  For example, not owning any interest in some system or market but placing SIDE BETS based on these markets or situations and then collecting from other bettors when things happen.  This, by the way, is how a vast amount of the deals concerning the Derivatives Beast operates under.  The noxious over the counter deals are very heavy in to this sort of activity.

.

This happens to be naked short selling, too.  A great way to make money is to insure or put a policy on someone’s potential death and watching and praying they die. Or worse, trying to manipulate events so they die.  Say, you put an insurance policy on the potential death of a crazy entertainer like Michael Jackson.  If the guy dies, you collect!  Goody gum drops.  Indeed, in this guy’s case, people are trying to collect.

.

One wonders if the promoters could see the obvious (MJ was one very sick puppy) and they put a huge insurance policy on him and then worked him to death!  Voila!  They get to collect a fortune, knowing very cynically, the guy was in no shape to do the work they demanded in the first place.  Walmart recently got in hot water because they had life insurance policies on their own workers which the corporation, not the families, collected if the worker died.  Then, Walmart had every incentive to work their people to death and to deny them access to healthcare.

.

Then, to insure they got little to no healthcare, Walmart then lobbied Congress to prevent Congress from providing healthcare and other social services so Walmart could collect when these poor people died while laboring for Walmart.  This is all utterly disgusting and another reason why we have to prevent this sort of life insurance.  Back to the promoters of Jackson’s heavy concert schedule: they had no risks if he died.  If they were concerned about their investment, they would have protected him.  It was the opposite.  They studiously ignored obvious health problems and the ‘doctors’ they provided were all in for the money so there was no doctor to say, ‘No’ and the insuring parties didn’t go a strict health examination, either.  Everyone ignored important restrictions and guidelines.

.

Which is how the whole system operates these days: ignore limitations and guidelines set down by history.

.

Now, going way back in time, it is interesting that the entire business of calculus and modern systems analysis grew straight out of the seed of life insurance annuities!  Indeed, the entire science of ‘Social Sciences’ comes from this activity!  Not only that, modern medical practice that looks at whole populations and uses population statistics comes straight out of this, too!  This is one of the great germinating roots of modern science and technology.  Below is an extract from  the very first book that looks into population statistics and death rates and uses modern calculus to determine formulas showing probability factors:

.

Edmond Halley, An Estimate of the Degrees of the Mortality of Mankind, drawn from curious Tables of the Births and Funerals at the City of Breslaw; with an Attempt to ascertain the Price of Annuities upon Lives, Philosophical Transactions, 196 (London, 1693), p.596-610. Edited by Matthias Böhne.

An Estimate of the Degrees of the Mortality of Mankind, drawn from curious Tables of the Births and Funerals at the City of Breslaw;* with an Attempt to ascertain the Price of Annuities* upon Lives. By Mr. E. Halley, R. S. S.

. THE Contemplation of the Mortality of Mankind, has besides the Moral, its Pysical and Political Uses, both which have been some years since most judicously considered by the courious Sir Willian Petty,* in his Natural and Political Observations on the Bills of Mortality of London,* owned by Captain John Graunt.* And since in al like a Treatise on the Bills of Morality of|<597> Dublin. But the Deduction from those Bills of Mortality seemed even to their Authors to be defective: First, In that the Number of the People was wanting. Secondly, That the Ages of the People dying was not to be had. And Lastly, That both London and Dublin* by reason of the great an casual Accession of Strangers who die therein, (as appeared in both, by the great Excess of the Funerals above the Births) rendered them incapable of being Standards for this purpose; which requieres, if it were possible, that the People we treat of should not at alle be changed, but die where they were born, without any Adventitious Increase from Abroad, or Decay by Migration elsewhere. .

This Defect seems in a great measure to be satisfied by the late curious Tables of the Bills of Mortality at the City of Breslaw, lately communicated to this Honourable Society by Mr. Justell, wherein both the Ages and Sexes of all that die are monthly delivered, and compared wiht the number of the Births, for Five Years last past, viz. 1687, 88, 89, 90, 91, seeming to be done with all the Exactness and Sincerity possible.

.

This is how science works: Mr. Halley looked at the collection of data done by friends and contemporaries and using his brains, figured out some possible problems with the data collections and their limitations.  He decided that there was not ENOUGH data.  And he surmised that the cities used to collect this information were not good for the purpose of coming up with a good table of reference due to them being TRADING CENTERS which meant, they had lopsided data.

.

That is, too many foreign elements, visitors and people coming to the civic/trading centers to do a good analysis on the PROBABILITY OF DEATH in major population groups. The goal of all this was to come up with a working probability table so insurers could figure out a good balance in their operations so they could profit.  That is, people should die at a certain rate and this could be pro-rated properly.  Of course, there is no absolute working system since reality does all sorts of things.  For example, on top of the probability chart’s main data, one had to take into account the probability of pandemics and epidemics sweeping the population, a very serious problem for anyone doing life insurance and annuities.

.

Were this Calculus founded on the Experience of a very great number of Years, it would be very well worth the while to think of. Methods for facilitating the Computation of the Value of two, three, or more Lives; which as proposed in my former, seems (as I am inform’d) a Work of too much Difficulty for the ordinary Arithmetician to undertake.

.

I have sought, if it were possible, to find a Theorem that might be more concise than the Rules there laid down, but in vain; for all that can be done to expedite it, is by Tables of Logarithms ready computed, to exhibit the Rationes of N to Y in each single Life, for every third, fourth or fifth Year of Age, as occasion shall require; and these Logarithms being added to the Logarithms of the present Value of Money payable after so many Years, will give a Series of Numbers, the Sum of which will show the Value of the Annuity sought. However for each Number of this Series two Logarithms for a single Life, three for two Lives, and four for three Lives, must necessarily be added together.

.

If you think the matter, under the uncertainties I have mentioned, to deserve it, I shall shortly give you such a Table of Logarithms as I speak of, and an Example or two of the use thereof: But by Vulgar Arithmetick the labour of these Numbers were immense; and nothing will more recommend the useful Invention of Logarithms to all Lovers of Numbers, than the advantage of Dispatch in this and such like Computations.

.

The diagram here shows how he constructed a three dimensional system to deal with time, space and identities.  Since all of this is happening in time and since it is a certain finite volume of biomass (human beings) and since this is impacted on by a restrictor (death) figuring out how all this intersects is of key importance.  For death comes in different guises at different times and strikes different groups in various ways, over time, eventually terminating everyone completely in any said group of biomass populations being studied.

.

Humanitarians recoil with horror when we look at ourselves in this sort of cruel mirror.  But this is actually a useful tool.  For the great effort to expand our chances of survival was created with the invention of the power to calculate, in a cube, how our lives progress.  Even the early author who created this entire concept realizes it has certain revolutionary features.

. Besides the uses mentioned in my former, it may perhaps not be an unacceptable thing to infer from the same Tables, how unjustly we repine at the shortness of our Lives, and think our selves wronged if we attain not Old Age; whereas it appears hereby, that the one half of those that are born are dead in Seventeen years time, 1238 being in that time reduced to 616.* So that instead of murmuring at what we call an untimely Death, we ought with Patience and unconcern to submit to that Dissolution which is the necessary Condition of our perishable Materials, and of our nice and frail Structure and Composition: And to account it as a Blessing that we have survived, perhaps by many Years, that Period of Life, whereat the one half of the whole Race of Mankind does not arrive.

.

Mr. Halley is a most interesting man.  He is the famous astronomer whose name is attached to Halley’s comet.  His great and probing mind freely roamed about the landscape, prying into all sorts of matters.  It should not astonish us that an astronomer is also the inventor of this life-expectancy table system.  Even today, the biggest investment banks like to hire physics graduates to gin the system.  This is because this group of people understand the systems previous celestial observers created to describe how the universe operates.  By the way, Mr. Halley’s friends and associates created many mathematical systems during this short time frame:

.

History of calculus – Wikipedia, the free encyclopedia

In the 17th century, European mathematicians Isaac Barrow, Pierre de Fermat, Blaise Pascal, John Wallis and others discussed the idea of a derivative. In particular, in Methodus ad disquirendam maximam et minima and in De tangentibus linearum curvarum, Fermat developed a method for determining maxima, minima, and tangents to various curves that was equivalent to differentiation.^[15]Isaac Newton would later write that his own early ideas about calculus came directly from “Fermat’s way of drawing tangents.”^[16]

.

The first proof of Rolle’s theorem was given by Michel Rolle in 1691 after the founding of modern calculus. The mean value theorem in its modern form was stated by Augustin Louis Cauchy (1789-1857) also after the founding of modern calculus.

.

The entire concept of systems that created modern finance comes from this time period.  All sorts of novelties were tried right off the bat.  Issac Newton went bankrupt thanks to the South Sea Bubble, for example. The explosion of goofy bubble games is directly and very intimately tied into the creation of these calculation systems.  Not only that, we see above, Mr. Halley musing about the human condition and his dismay at seeing how 50% of humans born, die before adulthood!

.

Now, dear readers, please muse over the cause of this!  True, sanitation was very primitive back then.  But there was one element that was raging through the systems killing people: COMMUNICABLE DISEASES.  And these diseases didn’t kill the elderly or even middle aged people very much.  The steepest death rate, by far, was in the first 17 years of life.  Basically, half of the children died.  Vigorous children died as well as weak ones.  This is due to communicable diseases don’t care if you are athletic or well-fed.  Diseases carried by breath, for example, can invade anyone by the mere fact of a sick person coughing nearby!

.

Modern medicine deals with all this. Modern medicine can’t make us live forever.  If we practice various careful arts like keeping a sanitary social structure or protecting our food systems, etc, we can expect to live long lives so long as all the contagious epidemic diseases are held at bay with vaccinations and other medical systems.  We eliminate this. we return to Mr. Halley’s form of fatalism.

.

There was lots and lots of fatalism in 1690.  Mr. Halley and his friends saw London swept by more than one plague, one of which was labeled, ‘Great Plague of London‘ as well as the Great Fire of London.

These two massive events caused many other things to happen.  While being reduced to fatalism by all of this—and the fears created by the massive comet’s appearance!—didn’t last very long.  Instead, London was rebuilt and the energies of the English radiated outwards even more forcibly.  That is, they had Glorious Revolution which swept away a lot of the Ancient Regime and changed British society, the power of kings, etc.  That is, the intellectual as well as psychological and economic revolutions all arose in the wake of the Great Fire and the Great Plague, etc.  It is very interesting to me to see how these things affect human populations.  The US has been wrapped in cotton to protect us from harsh reality.

.

This protection is nearly all ‘credit’ that is, the granting of loans so we can go deep into debt.  Only after we go through some real pain, will people be willing to undergo great changes.  The British brainiacs who were at the center of an intellectual revolution were also at the center of a political revolution.  And on top of this came from the same social group, the Industrial Revolution.  Are we in a similar ferment here?

.

I see lots of froth but little ferment.  That is, the people who are very smart are hooked into a status quo that enriches the wrong sectors.  The smartest people are content to keep this system rolling as long as possible because they benefit from it.  Instead of looking at the entire country as an important thing they must sustain and grow, they look at only themselves to see if they can gain and grow at the country’s expense.  This is why these very smart people don’t worry about the trade deficit.  They are happy with the budget deficits!  They love the fact that people who hate our guts for historic reasons are happy to buy our debts.  They overlook EVERYTHING in this mad quest to get rich fast.

.

There is nothing really wrong with economic theories, in themselves.  Economic formulas are also not the culprits.  The concept of banking isn’t evil, in itself.  It is merely a system.  The philosophical belief that our country is something to be looted is at the root of this mess.  The belief that individuals trump our collective existence is at the root, too.  We are a collective!  We can be a stupid collective or a smart collective.  We can hate each other or we can help each other.  We can fix systems so they run not in the red all the time but balance these things.

.

Chaos will fix nothing.  As our dollar bills note: out of chaos comes order.  This isn’t conspiracy thinking.  The Founding Fathers were the grandsons of the 1690 geniuses who caused science and technology to leap forwards.  They knew that if we accept fatalism and old thinking systems, we make no order out of the chaos that surrounds us.  NO culture on earth did more to move the human condition forwards than these thinkers who, from 1650-1850, devised the basis of modern technology, business and politics.  The ability to understand how organisms exist, evolve and operate in reality is due 100% to the philosophical and ideological revolutions from these early intellectuals.

.

There was a counterrevolution going on, too. The children of Lourdes, for example, seeing old-style visions of magical beings created a hysteria event around ‘magic water’ at the exact same time the understanding of diseases was leaping forwards due understanding the Germ theory of disease.

Robert Koch was the first scientist to devise a series of proofs used to verify the germ theory of disease^[1]. Koch’s Postulates were published in 1890, and derived from his work demonstrating that anthrax was caused by the bacterium Bacillus anthracis. These postulates are still used today to help determine if a newly discovered disease is caused by a microorganism.

In the 1870’s Joseph Lister was instrumental in developing practical applications of the germ theory of disease with respect to surgical techniques.

.

It took 200 years from the creation of life expectancy tables in 1690 to the understanding of germs in communicable diseases in 1890.  This long hike up the mountain is not done at all.  Just this week, 1 in 5 fewer may get Alzheimer’s due to finding – Alzheimer’s Disease- msnbc.com

Scientists have found three new major genetic links to Alzheimer’s, affecting up to 20 percent of people with the brain-wasting disease, and said on Sunday it was the most significant such discovery in 15 years. ..

Two large studies found that the three new genes join the better-known APOE4 gene as significant risk factors for the most common cause of dementia.

.

“If we were able to remove the detrimental effects of these genes through treatments, we could reduce the proportion of people developing Alzheimer’s by 20 percent,” Julie Williams, a professor of Neuropsychological Genetics at Britain’s Cardiff University, told a news conference in London.

.

Thanks to vaccinations, the high death rate of children is a nightmare of the past.  While we have many more people dying at the other end of the system.  So Alzheimer’s is a serious problem.  And this is not germ theory stuff, it is most likely genetic.  And I, for one, will be IMMENSELY happy if this is dealt with before I go crazy, myself!  Who knows?  This is a genetic disease that has more then one component.  This is due to it being the opposite of evolutionary selection: the only people who get this disease, gets it after child bearing, for the most part.  So it isn’t ‘selected out’ of the population but lurks inside all of our DNA to be triggered by some process in the aging process.

.

The cure for this won’t be doing brain puzzles or eating certain foods or sprinkling holy water on our heads.  The solution lies in genetic engineering.  I, for one, would welcome this.  I don’t want to get Alzheimer’s disease.  I have seen many a great scientist fall to this horror!  Including my own mother.  It should be plain to anyone that modern science has extended lives and reduced child mortality to an amazing degree.  We can’t travel backwards in this area.  Imagine if bankers have incentive to join the crazy anti-modern medicine maniacs to convince us that modern medicine is evil?  Good gods!  That would be pure hell.

Email:

emeinel@fairpoint.net

MAILING ADDRESS:

EMS NEWS

P.O. BOX 483

BERLIN, NY 12022

Make checks out to ‘Elaine Supkis’

CLICK HERE TO DONATE TO THIS WEBSITE