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Purpose and Premise of Credo

   1 min read

The following 10 chapters lay out a set of guiding principles about humans and money, the two decisive forces shaping the future. This knowledge will...

Chapter 1 - The Aging Human

   5 min read

Developing a personal strategy for a good life must start with an assessment of the future. And that is substantially a function of the actions of...

Chapter 2 - The Aging Population

  5 min read

A good starting point to learn about human “populations”[1]is to revisit their constituents first: individuals like you and me...​

Chapter 3 - Money

  5 min read

You are forgiven if you think you should study medicine to understand how humans really are. Or languages to figure out how they communicate. Learning about money will teach you...

Chapter 4 - Hi$tory I – Gold and Silver (to 1914)

  8 min read

Let’s go into the archives. Only with an understanding of how money has evolved to the present can we envision its future and position...

Chapter 5 - Hi$tory II – Fading Gold (1914 - 1971)

 13 min read

"Mother of all catastrophes" is how we German speakers[1] refer to World War One (WWI). The war brought death and agony on an unimaginable...

Chapter 6 - Hi$tory III – FIAT and FED (1971 to now)

    7 min read

The move from gold money to FIAT money in the early 1970s was a big step for the United States and the world. Heralding it a great step forward is ...

Chapter 7 - Money – Creation and Growth

    9 min read

How does FIAT money come into existence?  And how much “money” is...

Chapter 8 - "Interest - the most powerful force in the universe"

    15 min read

 Do you spot it? The mistake in the title quote? Albert Einstein supposedly quipped that...

Chapter 9 - Japan – The Proof

    18 min read

If you share the view that humans are strikingly alike “wherever you go”, you are open to...

Chapter 10 - Humans, Money and You

    9 min read

You are aging. And so undergoing profound change. Imperceptibly slowly. Unstoppably...

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