Having predicted with some foresight the downturns in market since the 1970’s to today, a circle approach me and ask WHAT SHOULD I DO…what can I DO to keep my profits and money intact during times like 2008?

As I predicted the SPRING of 2018 would follow an all time peak run up in markets that frankly went from historic exuberance to absolute insanity, and even then kept going on. In January two years of traditional stock market growth took place in ONE MONTH.

Than over 6 trillion of wealth was lost in 72 hours.

Far from over as some of that has matriculated back. A possible super crash may lie ahead this Spring as we suggested and documented as to why the economics suggest It as a possible potential.

The weight of debt drags upon the market before we enter into trade war rebalance to decades of trade imbalance from abuse of core economic trading accounts, lay ahead.


  1. Sovereign nation debt crashes and defaulting.
  2. Student loan defaulting – record unheard of levels
  3. Auto loan sub prime defaulting – all time records
  4. Commercial loan defaulting – record all time highs
  5. Credit card and home loan defaulting – still high

The debt abuse must work its way through the system and is always painful when economic abuse has piled up over decades. In the EU we have Italy and Spain with no real way out – but extending time during boom economic growth made possible by free money and even more debt. China Debt Default risk is so huge a contagion item to world economics and markets the IMF has warned 11 times with increasing alarm over the instability risk of the CHINESE phony economic modeling – to yet no outcome change. Chinese debt continues to soar.

Markets are leveraging in debt to buy casino side bets on new asset classes that are new  bets on which way future prices may or may not go up or down, now larger ( driven by debt ) than the entire real economic market space. The ONE THING the ONE BIG RISK of all risk to Super Crash is the rising new asset classes driven by free money for ten years and economic debt system abuse at core globally.

As an investment banker economist who ran a Wallstreet publicly traded global financial institution for years, CEO’s at that penthouse level have some more rich background on HOW markets are made and maintained  and how where the real RISK may actually reside – always hidden between current account reporting.

The risk the IMF reports as systemic risk is real and urgent and immediate and law makers are not listening as current accounts show profits and appear solid and good as they did in 2006 and 2007 before the SUPER CRASH. Only things are worse due to debt scaling today than 2008.

The kids reporting today are funny folks who appreciate days and weeks and have limited perspective of system risk flaws and system change speeds that in SUPER CHANGE are altering core fabrics to global economic markets themselves with new five year dominance of  AI and software at levels that are simply new – never known before – and without history to predict against. This leveraging up presents a world system risk far more ominous than 1929 ever presented upon a world enter-linked system such as we have in our debts still soaring today.

However core economics is always concrete or bedrock and those core economic principles can not be abused forever. Eventually account abuse rebalances and that period of rebalancing  is always sudden without warning and moderating with more SUPER CHANGE and PAIN. Politicians making laws are so slow and reactive that in the age of SUPER CHANGE they have lost required law making required new  mechanism for pace setting to remain ahead of dynamic real time markets globally expressed to reign in greed, system abuse, fraud, and new modeling never seen before against which old regulatory frame works no longer hold validity. A G 100 new regulatory frame work is required urgently. But no planners are uniting such re-frame to regulations as the entire system rises in debt to risk never known in a modern digital SUPER CHANGE market space a first in economics. SUPER CHANGE Is a factor of itself.

I have suggested when my opinion is sought, that I believe the ideal disciple to wealth today at all scaling is as follows:


  1. Invest bond and fixed income investing requirements for individuals and corporate into Annuity diversifications.
  2. Invest market higher yield investing into INDEX diversified insurance assets.
  3. Invest liquid savings in cash – money markets – banking especially – into WHOLE LIFE diversified products.

The timing to do this as a window was larger in 2015 and 2016 when I first suggested this approach. In 2018 I believe the time to take action is simply urgent.  I advised exploring the option of DIVERSIFIED INSURANCE INVESTING with expert investment INSURANCE professionals licensed with major life institutions that paid out continuously when the banks closed in the Great Depression and stake holders in these assets never lost a penny nor did they miss income during the adjustment period of 1929 into World War II. Diversify with leading LIFE investment opportunities as their advance products are insulating to SUPER CRASH.

Principle was guaranteed. In 1929.

Returns where the highest permitted by law with principle assets guaranteed. In 1929 and in 2018.

In effect the option provision of FREE LIFE PROTECTION was a virtually free “estate protection” for all stake holders in family or corporate planning groups while assets where preserved still earning the highest profits permitted by laws with principle guaranteed.

The only reason not to take this step is greed.

The desire for returns that are higher, but which carry a risk that I remain confident todays investor stake holder fails to appreciate the magnitude of ( I label today as SUPER RISK )  until they LOSE their principle let alone their profits they never actually realize in fact.

Diversified Insurance investing is ENOUGH.

More than enough PROFIT. By what in my opinion DIVERSIFIED INSURANCE INVESTING  is the most conservative money management disciple left in the market space today.

Wallstreet continues to work to change laws and lobby to acquire this enormous largest remaining OPEN MONEY POOL to move insurance money resources to their higher risk strategy for their model of profits and bonus they endless have appetite to elevate at any cost to risk assuagement. The insurance lobby remains the one counter weight to Wall Street – quite – more aged – mature – and frankly powerful and wealthy.

The likely move by Congress  in any nation therefore to containment the FINAL  safe haven of insurance regulated investment accounts remains unlikely in my opinion any time soon. This counter weight to WALLSTREET is the last safe harbor for restoration of resources for nations and for individuals and corporations who step ahead of the warp drive risk taking place today.

Risk is soaring. As RISK ALWAYS SOARS just before the pending SUPER CRASH.

1929 – the Great Depression.

1973 – the oil embargo – who saw that coming?

2000 DOT.BOMB.


2018 – THE SPRING RISK ON and RISK RISING of another SUPER CRASH a decade later as the core problem was never fixed.

Now congress works to weaken the terribly weak fix after 2008 b to which the majority of firms are exempt anyway. RISK RISING.

WARP DRIVE RISK in my opinion is not adequately accommodated by todays investment planners and decision choice makers.

As no one see’s SUPER CRASH coming no one predicting SUPER CRASH has credibility. Even with data and statistics cited endless by the IMF and this BLOG for regular readers.

The ACCUMULATION OF THE RISING RISK has now reached Spring of 2018.

It is my opinion that a seven year market bridge plan for you – of DIVERSIFIED insurance investing is a best SAFE HARBOR to preserve your  wealth – grow reasonable guaranteed profits – and secure liquidity for forward wealth building buyer opportunities.

As the INSURANCE WEALTH PORFOLIO is fully liquid, leverage-able – and one can borrow for asset acquisition far under forward market rates to grow asset base – the solution is wise today.

If the banks and investment banks like Lehman fail in forward adjustments – insurance investment has the best potential to ride through. You can always access your money. Guaranteed. Regulated fully still.

Life insurance agents lack expertise however to assist you.

Licensed security insurance highly trained experts do possess the expertise to advise you as you explore the option. Seek them out.

When it is too late – you lose.

You lost.

With leverage and broker margin trading you can and many of you will lose it all. I will feel sad when you do, because you read the solution here.

Hedge Funds private equity funds and private pools are well advised now to move % of prudent resources into DIVERSIFIED INSURANCE investing which can accommodate the full measure of wealth transfer now taking place and picking up steam rapidly.

It is my opinion now is the time to share this solution.

Berny Dohrmann – On My Opinion on what is really going on out there.

PS: Share this with licensed insurance authorities you know and just EXPLORE their options. The Safe PROFITS are ENOUGH more than enough and wise today. Be wise is my advice and explore. Time is simple – TICK TOCK is so not on your side this spring. Remember I told you and told you for years….but now …the time is NOW !





Depending on your charts from 3 TRILLION to 6 TRILLION was wiped out from wealth this week. Take the low number and its a 9 year record not seen since the SUPER CRASH we all remember. This one is NOT OVER YET.

As a recap. This blog told you that the markets would Super Crash in the Spring of 2018. We told you to move out at the peak of the Market in 2017 – 11 times – to diversified insurance investing. We told you in 2015 – again in 2016 – again in 2017 and in January 2018. You can scroll and see how many times and how the data and charts presented the precise time lines – off three weeks total time over three years. We said SPRING 2018 in 2015 and remained on time line – off say three weeks to March over an entire three year period never wavering on time.


How precise and accurate is this BLOG when you reflect? Now?

In two weeks more than 3 trillion was evaporated of personal and corporate and institutional and sovereign nation wealth more than any ten day period in almost 10 years since the last SUPER CRASH and of course its not over yet. Digital incapacity as we told you exceeds software parameters and triggers CASCADE we warned you about a digital first in economics. We told you like the movie poltergeist if you scroll – the digital demons – hey – THEY ARE HERE >>>>

For our readers who did diligence and sold as we called the perfect timing to do so –  the mount Everest base station near the summit  of our record record profits -you absolutely  profit protected their accounts and moved to high return guaranteed diversified insurance investment your nest egg is at peak and growing nicely. You have no loss of sleep. You are so secure safe protected and safe just from reading this blog and acting . Just that saved you


For those who failed to take action you are a mess and saying I WISH I HAD ACTED on what was presented to me – over and over.

Alert your circle.

Share this blog.

You read. You understood. You now see how CORRECT our prediction and timing was precisely against all the other pundit predictions – they were wrong we were right and that record is consistent since 1988.

For those who use the information and apply it they protected their vital nest eggs ( and many institutions ) and for those who did not – you got clobbered by the CASINO CAPITALISM.

So we have three great things going on: MOVING FORWARD


  1. Five weeks to March 19th CEO SPACE – a market to accelerate your business as an entrepreneur or professional – ranked the # 1 business acceleration conference in the world in 2018 by prestigious third party press. I would register and check out . Serving 140 nations now commencing our fourth decade. If you want to be ahead of all this SUPER CHANGE and download the GPS for 2018 – as a leader in your space CEO SPACE re-purposes a tax dollar for a life time asset that generates high returns on time and outlay. If profit is your priority and acceleration is your decision point March 19th you’ll be in Tampa Bay Florida with CEO’s and Professionals world wide who are planet shifters and seekers networking for the pure joy and profit of it all.
  2. The tax Reform Act has so far infused over 1 trillion dollars into the USA economics with plant, investment, job creation and economics rising. Billions more are coming monthly all year.
  3. The new BUDGET for the USA is the largest job creation budget in a decade and will add by enormity pre-infrastructure legislation still to come – up bubble economics – to the current long over due correction to forthy market multiples that were over priced. What goes up always comes down nothing keeps going up – in the short term – long term – who cares. Never buy into the casino if your a long term buyer – cost average and keep buying.

Now then 3 trillion is wiped out in two weeks of time – a record in 9 years for WEALTH WIPE OUT. Millions are losing big time. Why? They did not read or did not act on the data and correct information this BLOG reported on WHAT IS REALLY GOING ON OUT THERE. Prophetic – you bet and accurate to precision since 1988.

Now then take to the bank these data points:



The USA has traded a housing bubble for a student loan bubble that is soaring today – how bad is this SUPER DEBT BUBBLE that still troubles us as a PIG in the economic python that must yet rebalance itself? Here is how bad the data looks today:


  • US student loans debt in ten years has now passed a growth of over 200% and stands at over 1.5 trillion dollars in 2018.
  • This total is more than car loans and more than total credit card debt by comparison so you can see that Super Bubble – as both credit cards and car loans have also soared – but student loans lead the DEFAULT pressure on economics at core.  A headwind to total economic recovery like HOUSING SUPER CRASH.
  • 45 Million presently hold 2018 Student loans
  • Almost 10 million of those are in default
  • Defaults on credit cards and car loans are rising from the crash – but student loan defaults out pace all other default categories in total dollars and in % to total almost 10% defaulting which is DESTABLIZING economically to cascade of lender sources.
  • The combination of tax subsidy for tuition- costly building programs during this boom period – adding cost to student rising soaring tuitions where IVY LEAQUE parents sticker shock to 75,000 in annual cost for one student per year – really ?

So is this sustainable. If the student loan crises which it is becomes a SUPER CRASH the cascade will effect all markets.

The second risk on DUH we have in economics is economics 101. It goes like this in the sequence of data review:



  1. Record on line digital click to MARGIN trade have created in casino capital never seen before margin drivers to the market.
  2. Institutional ETF investors off shore not restricted by regulatory issues funnel trillions in bank and related core deposit reserves into casino capitalism margin grades not are customary leverage but at SUPER DEBT BUBBLES including 10,000 super money pools and sovereign nation funds – at up to 50 to 1 margin investing.
  3. As 3 trillion wipes out the industry is now CASCADING – this means margin lenders are calling for cash to the margin calls – this creates lakes of money evaporating – the driver to the markets globally is – circulation – and now we are in DEFLATION not INFLATION and we once again in this SUPER CRASH are experiencing REVERSE CIRCULATION – the water in money pools is evaporating.
  4. Contagion from the CASCADE is DEFAULT CASCADES that sweep across the world as WIPE outs created from SUPER MARGIN DEBT BUBBLES rock financial institutions. NO TARPA or silver bullets remain to save financial institutions in the event of DEFAULT CASCADE – our highest economic warning for casino capitalism as we reported if you scroll.
  5. LED or LIQUIDITY EVAPORATION DAY occurs without warning as the system of circulation freezes up – this occurs with record down trading – with all software selling and no buyers buying and the circulation ceases – the system freezes and it is impossible to restart. That is the RISK ON everyone is trying to moderate right now this weekend.

Margin calls next week is the OTHER SHOE DROPPING if the market does not soar back – so watch for that – as all the kings men and all the kings horses try with billions to put Humpty Dumpty back together again – but can they in the digital casino software controlled – can they any longer – we think vital shock absorbers and breaks of 2008 are simply GONE. We’ll see.

This is so serious nations are asking core institutions to buy around the clock this weekend – globally – to stablize the margin call events and reverse the markets before a SUPER DEBT CASCADE OF DEFAULTS AND MARKET MARGIN CALLS creates LED. Are we in panic mode? WE are close and very close.


Because – of the largest % of the global trading is now software engaged without human moderations to the market taking place in digital space. This first time ever market can not be compared to prior markets which is the WHY 3 TRILLION was wiped out so fast without any pre warning when earnings were all great. Just like we told you and warned you.

A few of our tribe were calling some caution but now one suggested SUPER CRASH but David Stockman last year – when he wrote GET OUT OF THE CASINO following our 11 earlier same story reporting. WE STOOD ALONE in trying to protect all our readers all over the world. This blog was right. Precise and accurate in fire wall to your own  nest egg planning and execution options for consideration. Those that understood and just held  that one drop of courage greater than their fear and ACTED are safe today out of harms way  and peaked out in gains with full profit protected at absolute peak. Those who did not – are in pain and suffering  on the drop. We are sorry truly.

We’ll keep a light on for you. No one can predict what is coming next. We are in serious concern over software AXIS of EVIL short selling to destroy the west with digital weapons as were used in 2008 so successfully – where with digital trading in control of the casino today and the consolidation to the % of all circulation being less than 10,000 super money pools all controlled by software – for the first time in history – we are vulnerable to digital weapons. Risk on. Market risk on globally. Digital attacks. READ KEVEIN FREEMANS THE SECRET WEAPON to GET SMART as this firing is happening all over again on Monday we suspect.


Our enemies can make  trillions in digital weapon profits  while we close our banks and the system fails time. WILL THEY DO IT IN ASYMMETRIC WARFARE?  That is a final risk to watch for – and if nations the AXIS OF EVIL – North Korea – Russia – Iran – and others as   they did in 2008 -FIRE THE DIGITAL WEAPONS and you see our side once again  make it a crime to short sell on markets world wide – you will know the HIROSHIMA of DIGITAL ECONOMIC WEAPONS OF MASS DESTRUCTION ARE FIRING and the damage is already done….too late to be great. That will be your sign to know – and of Course we are going to tell you first. 

There is zero protection to the digital bombing of casino market space globally until and unless as we have called for here – and in my book REDEMPTION THE COOPERATION REVOLUTION – for FIVE YEARS NOW BUT NO LEADER IS LISTENING IN TIME  -THAT  THE G 100 HOST AN ECONOMIC CONSTITUTIONAL CONFERENCE TO RE-REGULATE THE FRAME WORK FOR DIGITAL TRADING GLOBALLY – the world is vulnerable as never before until this digital regulatory reframe is engineered into law. We are vulnerable in economic system world wide as never before in history to digital attack on financial markets. A bit complex to detail out here – but the book the SECRET WEAPON sets it all out for the readers. Get your copy your hair will turn gray with the negligence of world leadership most of whom have read the book by Kevin Freeman a friend and ally in this work – our cry into the darkest night – because – hey its all new and digital.

Remain economically clear on the GPS of this truth:

the laws are all local and the trades are all unregulated in the cloud

In 2018 the failure of nations to cooperate versus compete to create an entirely new regulatory frame work for digital global markets and trade is the core cause of any system failure of the post world war II system at core.

As leaders tend to be short term and kick issues down the road until the issues are catastrophic when they tackle the innovations to transform old system models into forward system inventions – we are hostage to the human primary illness – thats the way we have always done it.

In the digital new casino capitalism market great vulnerability for 7 billion of us is now before us because of failure by leadership to be resolving the core issues of their systems gone digital in a short time frame requiring new regulatory frame work globally – and the laws which are today not global versus local. That is the law of global digital transformation from the old way to todays reality. RISK ON.

So we now see if the panic in leadership can with capital circulation jaw boning all weekend, restore stability in the old system which may be under digital attack to collapse the entire system by digital weapons. The VELOCITY ACCELERATION AND MOMENTUM of trading if financial institutions are threatened – will with that VAM become the clue a digital weapon is firing at our global markets – more effective than a nuke – truly.

We’ll see.

You’ll see.

Stay tuned. You’ll hear it all first here. You know the lingo and what IS going on OUT There – really and truly all over again this weekend.

Hey – enjoy the prosperity – its all a great dance have a great weekend with children and family – just like we are . As you can prosper in any market and we’ll tell you how – just know the landscape and risk winning – do that ….and do it with a great weekend we will join you.





So I hear this news report. Actually one I’ve been waiting to see GET OUT THERE on Sunday September 17th if your time lining date lines. The reporter gave all this data. On public Real Estate Investment Trusts, which have been popular in 2017. Why?

REITS whom my Brother publisher of Institutional Real Estate News that ranks and rates public REITS in Walnut Creek California – if your a REIT buyer look his 30 year Gold Standard publication up and frankly subscribe if your Private Equity Hedge Fund or Sovereign Wealth fund managing. If your PRESS I’d include Geof Dohrmann in any and every story on REITS as the GOD OF REIT data and this fake news did not do that of course.

Oh I had my force field up and firewall up for the private agenda the story represented. So in summary of a long video report on the data the details can be wrapped up into:

  1. Riets Have been great investments returning over 8 a% in 2017 so far.
  2. Riets have massive capital infusion as insulation to a SUPER BOND bubble.
  3. Riets have become bond surrogates for balancing portfolio’s.
  4. However if RIETS see higher interest rates from the Fed in Dec the free money tray stops and RIET return and RIET market price may dip.
  5. Actually she said WILL DIP and then she reported that S&P up 70% this year soon to be 100% – in a single year are you kidding me – earned 11% and are the better investment. Implying before the Fed announcement the conservative bond surrogate investor should rush back to the S&P and its all risk ON fully RISK ON. According the expert.

If you saw the lower third flash by it was up for less than 2 seconds folks only at the end, your firewall and force field sent you a NOTIFICATION on your new IPHONE X because you deserve to know – that hey – this on salary analyst on SALARY with Standard and Pools just did an informercial embed into a world wide news cast on a global channel.

So there are pay opportunities for:

  1. The spot
  2. Advertising contracts for the spot
  3. Features of the challenge at Standard and Poor

In the never ending new model for news – which revolves around:


  • Owner bias mandates known as editorial policy
  • Overrides to editorial policy by owner mandates
  • Making news entertainment using maximum sensation to sell mindless crap to consumers and pay the bills with bonus and shareholder bumps
  • Shackling new to policy as never before to appeal to new propensity base
  • Utter failure to report real news to us – dumbing down the public
  • Fake news misleading the public to desired outcome – buy S&P
  • Profiting from the news skew in new and maximum ways commerically

If you lack a firewall or a force field when digesting news – you need to install one. You need to ask yourself when you review news:

  1. What is the internal bias of the news source – liberal – conservative – other
  2. You need to ask what is the economics of this story – Florida being recent
  3. You need to ask yourself who profits from the story
  4. You need to ask what is shallow reporting and what is deep
  5. You need to ask is this story fair balanced and in integrity or is it a spin.

There are other things you should ask yourself but you install a Fake News Firewall when you add in five to thrive here. Also remove emotion. When a person is vilified  by fact news reviewing five minute commercial break PACKETS to see who is still tuned in – say – that person is nothing like they are saying – there is an entirely other side of the story the full opposite of the story and I”m waiting to find it and deeper dive. America give every other American the benefit of the DOUBT in these times that tar and feathering in media should be a crime and that the real story will come out and the worst folks are better than we see reported. No one is the total of their worst five minutes of decisions. No one. You. Me. Anyone. Human life is bigger than that report of judgement blame and vilification. Own your own firewall and force field to the spin to sell you mindless crap.

Finally electronic media is dying. We are buying our goods at Amazon because it works and we save money and we save time and we enjoy best versus better experiences they – at Amazon are obsessed yesterday was never good ENOUGH. Thanks Jeff for THAT philosophy of your great IP.

If you buy at Best Buy they can’t take on line two credit cards. Now in IT world that is a customer service breach that forcing you into their stores is switch their best steadily to AMAZON for better prices and services. Its like Kodak management trying to preserve hard film markets in a digital Theatrical camera of the higher quality to make movies called IPHONE X. You and tune our and stop anything you desire except progress. The markets will run over the ostrich butts with heads in the holes as far as the eye can see for the massive part of humanity who does not wish to STAY CURRENT. In fact you will pay more – have worse experiences ( lots worse ) and you will be come irrelevant.

So REIT’s own malls and commercial real estate.

Rising interest rates make five year bond refinancing of these commercial spaces in many cases no longer pencils with declining traffic at retail.

A record default is already taking place in 2017 at 100 billion dollars and climbing as the banks become commercial property managers of crap. Next year this number could rise to 500 billion due to re-finance volume world wide. As the banks leaving free money must pay for money finally, they will actually have to charge MORE for loans finally. Only in declining real estate this will sink the commercial space into further gloom and doom in an effect we call CASCADE.

It may be from China to the USA the financial contagion event, will be what Sub prime was to a decade ago to our current investor generation – only the math modeling is much larger in the default space and the recovery of those prices are impossible.

So a bank could: and did:

  1. Legally steal your home in foreclose as your property was upside down – you were paying a mortgage where the sale price of your home was lower than the mortgage. You were GOING BROKE SAFTELY. Millions walk away not even being economists or math majors. They used Calc app on their iPhone and acted by the numbers.
  2. The banks ended up with 60,000 unoccupied homes in 24 months in Tampa Bay alone as one distress city not counting from Sea to Shinning Sea.
  3. The banks could wait – and as home prices recovered – loosing a bit of interest – resell the home to protect their mortgage total – and end up winning on the property pools – making fortunes by legal theft of your property.
  4. The banks put you in the non-economic mortgage ( 100% no money down financing to 90% ) when your credit was well iffy. Second grade school teachers and window washers had five homes and the banks were calling them – more loans – go get more – more loans. The banks wrote the paper than sold it immediately under their new digital model of riskless risk. Which used to be a crime but was now legal. So criminal economics was made legal and off when your largest money pool – deposits from all of us – being used at 50 to 1 leverage ( which used to be illegal ) but is now legal to make mindless profits. See Wells Fargo fabricating millions upon millions of customer phony accounts and reporting that to their regulators as profits. Does anyone go to prison? No. I went to prison for 87,000 dollars based on what I should have known on a junk bond as owner of a. major public brokerage firm five years after the bond defaulted in the 1987 stock market crash. Under that theory of law the board and senior management are in criminal contempt and should be put into jail for the billions they stole from the public making fraud accounts. But no. They factored it all in. Each billion costs a 100 million dollar fine years later and paid over time so that current market value of money and cash make the cost of doing criminal business pay. My court records define I never profited directly or indirectly from the perfectly legal bond sale which later defaulted due to market conditions beyond anyone’s control under new management and ownership. I was retroactively ( under the laws applied ) held responsible solely as owner. Today the management of the too big to jail are not held responsible so the fact is – crime pays – it pays big – and economically systems fail when integrity is so far gone public institutions like Wells Fargo Bank become criminal organizations. I’m sorry? We are moving everyone in CEO SPACE out of Wells Fargo bank which will see the largest decline in profits and customer base deposits in history over the coming year. Unless of course the leadership goes to jail. The fines to the state are too big to create any potential for panic – runs on banks – or economic system interruption – so the fix is in – the deals are made – and you are led by criminal organizations from VW BANK to Japanese Airbag manufactures who make profits killing us with they knew it all the time faulty designed products. Because it simply pays – its profitable to be a fraud and if your a big and larger fraud you never go to jail your way too big to jail. When that happens your system is going to fail folks – and if you don not see that your reading news I’ll need to learn about in your comment section on this blog. Its not the news I’m sharing with you all I label as in a fraud world – THE TRUTH.
  5. The banks have done the sub prime in commercial. The commercial with lower income needs loan roll over’s ever five years at same terms. Only now the free money loan roll overs that kept the afloat with credit like we have never seen it before are returning to market rates. In distress commercial just gives the keys to the mall – strip malls – office parks and says here – you own the this property now lower in value than your mortgage UPSIDE DOWN COMMERCIAL IS SPREADING LIKE A PLAGUE – a multi trillion dollar plague – and the default graph is chilling already this year – by ratio and year to year comparison – and the rate of rising default is accelerating as the interest rates rise up. Price supported commercial is coming to its own sub prime bank default crises or contagion. Remember you head that first HERE.

Now my little younger S&P reporter trying to be a big girl news anchor where she is far from – attempted to sell you – to SELL YOU – on moving from REITS into S&P. Now the S&P if you look at charts goes how far down in normal markets when interest rates rise …again? Easy to look up. But when markets have gone up 100% in a single year in a frenzy SUPER BUBBLE larger than 2007 as the SUPER BUBBLE includes a SUPER BOND BUBBLE a



And these all asset class SUPER BUBBLES all burst at once.

Liquidity is gone in 90 minutes not 90 days. Never possible before.

In real time unregulated digital global markets ( your system today ) the consequence of CONTAGION – CASCADE – AND SUPER BUBBLE SUPER CRASH – is that all orders are sell – and their are no bargain seekers buying. The markets plunge by 100’s and 100s of points. 2200 dow or 6400 dow as I predicted the new bottom. Folks think I’m an idiot at 6400 new high for the DOW.

We will see . We will see.

What will save you?

Easy diversified insurance investing:

  • Annuities are your bonds
  • Index is your market protector
  • Permanent insurance is your bank and liqudity

See an insurance investment professional with a top tier firm that paid our earnings when the BANKS were closed in the depression. Folks who follow this model will preserve their nest egg and under the only rule in economics – buy low and sell high – make fortunes after the CASCADE.

So this education item alerts you to how NEWS is being REPORTED and truly it is no longer fake news – demonizing a target to sell mindless crap – it is now FRAUD NEWS with internal conflict of interest to maximum station revenues against your reliance on true news – integrity editorial policy that ended when John Chancellor Died – the FTC and the FCC were bought off – and we never again heard Good Night Chet…Good Night David – when real news like driving your Chevy to the Levy and you cried….the day that the music died……..

Two men control the news in the USA – Marlon and Murdock. What has the FTC done to preclude consolidation in:

  1. Communication mergers
  2. Hotel mergers – recent Starwood and Marriott
  3. Banks and investment banks

I”m just naming three – but from technology to monopolies the agency to keep market channels with more choice for consumers is no longer the agency that broke up AT&T.

Regulatory failure is a system cost as consolidation – 1% owing more wealth than 99% distorted desired market circulations into the most profitable corrupt form of capitalism regulations – keep out – we call CASINO CAPITALISM.

Casino Capitalims you can scroll and read about in depth in this blog series of the past several weeks only. Current. Data founded. The truth.

CASINO CAPITAL is the market space where 3 trillion is invested in real economic activity and 440 trillion is invested in side bets as to which way any asset may go up or down – manipulating prices and making profits either way. Totally illegal in 1999 fully legal in 2000. When 1% elite super money own more wealth than 99% of “us” in total the system we are living with becomes FATALLY UNSTABLE.

Eventually economic accounts must rebalance.

Today 100 Trillion dollars in the EU is what would be legally labeled on financial statements as delinquent or bad loans. Another 100 Trillion is bad loans in Asia. Financial institutions are exempt legally from fair market accounting. They show these loans as ASSETS for if they had to report them with integrity as crap banks from Italy to Span are fully bankrupt as are their nations – same for China. Fraud creates bankruptcy avoidance even if it is legal government permitted fraud.

Economics must fully rebalance its accounts over time.

That is the LAW no congress can change as they try and manipulate and delay the time line.

There are creative ways out but only our team in DC has them – as far as we can tell talking to everyone at the top. They are slow to adopt the fix because they all making so much profit in the CRIMINALLY PROTECTED CASINO CAPITALISM initiated in the 1980’s as we moved to fully digital market space.

So the facts are economic rebalancing which is a matter of when not if and you can rely on that:

  1. A default on the SUPER DEBT BUBBLE occurs with contagion.
  2. In 90 minutes the market Super Crashes.
  3. The super Crashes goes on to 6400 Dow with some bumps along the path as it becomes every money pool for itself.
  4. There are no buyers there is no liquidity. 90 Minutes liquidity and circulation in the digital system are gone and no tools exist for nations to restore liquidity.
  5. Trade stops. Buying stops. Individuals lose jobs and unemployment is simply massive in a wave that goes on for half a decade. The NEW MUCH WORSE GLOBAL DEPRESSION.
  6. Nations including the USA can’t borrow as they used to for the first time ever as there are NO BUYERS FOR ANY BONDS ANYWHERE. Liquidty freezes.
  7. Nations default on debt in every nation for itself and world war rebalances economic accounts – an insane outcome when options exist to close these imbalances by re-setting the G 100 Regulator Box Top Rules.

Has any leader proposed a process that has the following outline:

  1. A G 100 World ECONOMIC CONSTITUTIONAL CONVENTION to be reconvened due to SUPER CHANGE every 25 years as self correction modeling fail safe’s?
  2. A location like the BIG ISLAND OF HAWAII where economists can work with least politics driving economics as economics drive politics.
  3. A new Global Trading Box Top rule set emerges as an economic constitutions all nations adopt to be in the new collaboration of regulations. Fair, Fully reporting, Fully accountable, Real Time and with zero secrets in the revised system. Full prosperity for all within the largest RE=THINK form the depression ear that relied largely on the pony express for mail delivery and the telegraph for information. The phone and radio where just coming in around 1907.
  4. New Box Top rules that make market side betting which is not hedging – criminal as it was for 60 years. The Casino dies and real investment in economic expansion begins. The 440 trillion goes back to work economically versus inside a legal casino.
  5. Treaties are adopted and nations reset their Sovereign Debts with SUPER BOND THEORY also explained as you scroll in this blog series. The only economic fix in the world is here. Kevin Freeman wrote game plan as my partner in trying to fix America – noting – no leader or agencies will adopt the solution proposed because it is not their mandate it is not their job and frankly who wishes to fly in the face of SUPER MONEY ? I do  because I have growing SUPER MONEY on our team wanting the fix for the unborn generations of the world – never to be born if we repeat past history with super crash – system failure – SO much faster and more global in digital casino capitalism versus paper casino capitalism in 1929 – and world war. The only fix to rebalance economics after system failure.

It is painful to watch present paid off thinkers follow the philosophy of immediate profit into utter system collapse.

Sixty minutes did a a great item on this which I own and may play here for you. It sums it up – but is it every scary.

The good news is that as long as the casino is working for greed you can grow your ventures, profit, and do very well indeed. If you want to build a safe harbor a sea wall around your lifestyle so you will not get blown to shreds when in near term SUPER CRASH HITS – as we are at the end of the end now – I’d attend CEO SPACE Oct 3r or Dec 11th. Check it out

It will save your financial future in the highest tool box . See a video. If Forbes and Inc ranked CEO SPACE the ONE business conference a business owner or professional CAN NOT AFFORD TO MISS in 2017 – you would be wise to swap a tax liability for a lifetime core asset. Corporate membership where you can swap personnel in your company to attend for life is $ 10,000 set in 1988. Never raised. Individual memberships are $ 7500 with $ 2000 off as subsidy for travel and currency exchange for new lifetime members – outside the USA. Graduate members can return for free to the entire program – last two with that benefit – then you can return Thursday PM to Tuesday free – as always free for life and at grad rates for the deeper dive for meals and materials whose cost are soaring.

If you are interested in CEO SPACE email me. Anywhere in the world. We will Skype call on your schedule not mine and I”ll give you a free coaching hour – that will help you – tape record that and make notes. I only ask you to see video’s on our site – know you wish to go – and you are seeking details to confirm that attending CEO SPACE gets new customers and markets or investors such that it cost nothing to own a membership because it is paid back by attending – while the program is taking place. An absolute money back guarantee assures we must deliver on our promise no risk to our members ever. Another reason we are ranked # 1 in the entire world. Thirty years serving 140 nations the largest CEO and professional Entrepreneur institution on earth. Run by Lady Leaders and my legacy to you all.

Email me for ceospace coaching with subject line I want coaching – at bernydohrmann@gmail and for my reader I will BE your account manager and coach – as a CEO SPACE member you get a bundle of mentors for life and you get me – for free.

I’m telling you about this because a) its year end tax reducing time swap taxes for an asset b) the last two accelerators of the year occur on Oct 3 and Dec 11 in Florida and c) the time to build your safe harbor on life style is NOW not later and my readers know that – you can dampen the financial storms coming with a smarter plan and a larger cooperative trading community.

If there is no way you could buy a CEO SPACE membership – consider our fund busting program that has successfully taught those who are committee to a bigger richer life and want the tools tactics and mentor teams to get to it without any future life TIME delay s -over 10,000 Fund Busters moved their mountain of financial barrier to a speed bump. So consider that may be you.

But if a decision to attend CEO SPACE NO MATTER WHAT is not you – not now – not yet – then read Kevin Freeman’s book GAME PLAN and REDEMPTION THE COOPERATION REVOLUTION by ME. The two books are not community re-enforcing – nor the largest download of skill sets in business in your adult like time ( say post graduates of all Ivy League universities you know of – also on line in video testimonials – 2000 hours of them ) – will help you. A lot. Do one or the other is my TIMING suggestion.

So this weekend you see how fake the news is and what conflict of interest is going on. They are selling you not telling you. The old double lines to keep news free of influence into editorial policy are all gone folks. One text away.

FRAUD NEWS is replacing FAKE NEWS.

It is truly criminal fraud news…but today the laws protect the criminal because today in the new casino capitalism dominating all markets since 2007 – a ten year ramp of a new economic the world has never seen before – the first ever SUPER LEVERAGE – SUPER DIGITALLY CONTROLLED GLOBAL SYSTEMIC MARKETS FULLY OUTSIDE REGULATORY OVERSIGHT – criminal planning pays billions and there is no downside by the pay the fine and buy your get of EVERYTHING Free Card.

Plus you know all that and we the people who have integrity can’t truly believe how fast the moral decay ( economic first ) is spirally up into ever new abuse of the core system for greed and profit.

The fact: G 100 Regulations are local and the casino is in the cloud outside regulations. Without he largest G 100 RE-THINK Of Global Digital Systemic Markets resulting a  fresh self correcting to AI – SET OF BOX TOP RULES FOR ALL NATIONS – Casino Capitalism always the final version of speculation greedy madness – will destroy the system we have today and the clock is fast ticking.

The system failure rolls back environment – rolls back all good – because no one can afford it.

For the first five years it all a dance we call the Blame Game – such that the law makers world wide who caused and profited from the casino and their protected elite money never not ever pay for their crimes. With fraud news the will be easier than ever.

As WORLD WAR spirals up – populations are distracted into survival as economic accounts are rebalanced – and no one has learned how to reform the core system into COOPERATIVE CAPITALISM ( outlined in the book Redemption ) as the one and the only total system fix on the planet earth today.

My mentors world wide ( the top elites ) all say – Berny your going to be awarded a NOBEL PRIZE but it will be 300 years after your dead – as you are so advanced and ahead of today’s thinking.

Am I?

I think tens of thousands of my readers are right on board with my thinking and if you get it believe me the leadership to do it all – can get it. Waking up from
“thats the way we have always done” is the brain moment that sets us free.

Teachable spirits who understand the new brain capital in every C SUITE is no longer a degree from Whorton and Harvard and Standford – as important as that education is. No. Today the leaders of tomorrow are the educated who:

…can learn……more rapidly…..can unlearn almost instantly….and can re-learn and adapt …in the Age of Super Change …remaining fully current.

Currency is the new whole brain software. The rest is buggy awful outdated  brain software making decisions. 

The worst place to be – is to think – that you are fully current when your are in fact fully obsolete. In your brain software and thinking inside SUPER CHANGE.

So the truth.

That report here is yours to think about so my readers are informed and have better brain software.

We download the best brain software for your future actions across all undertakings that relate to economics in your own life.

Berny Dohrmann – Investment Banker Economist Founder CEO SPACE




Regulations protect markets from unwanted risk taking and speculation.

Speculation Super Bubbles ruin economic global systems and create world depression economic contraction and world wars.

Speculation creates casino capitalism as it did when regulations failed the economic system in 1907 – again in 1929 – again in 2000 with the Dot.Bomb super bubble and again in 2007 in wild real estate speculation.

The largest economic SUPER BUBBLE is occurring now world wide.  Right now. To you. To me. To our plans. Our dreams. Our enterprise. Our collective labor. Your real money and real value is being destroyed. Today you can’t even feel it. But it is happening to each of YOU right NOW. All of you at some level – know this to be true. You just don’t understand the details. It is not hard to understand. Learn.

Regulations have failed the economic core system.

The lack of a model to regulate digital trading – between and among nations – is a decade old scaling of trade pathologies falling outside “any and every ”  regulatory present frame work layered over decades to regulate paper traded market space. Digital markets took over and fell outside of regulatory frame work and  any nation to control – a condition that is spiraling into the worst super bubble of all time. Digital trading models are new and evolving so fast over only ten years all the lessons of 100’s of years are out to pasture now.  Capital is moving at digital AI software speeds in economic wars one software against the other for enormous profit making with unlimited free borrowing to SPECULATE.

Markets work like this:

  1. Legal frame works force capital to circulate into plant equipment jobs and REAL SUSTAINED longer term  economic growth. Capital acquires stocks to hold for growth and bonds to hold for income. Capital is deployed in infrastructure for ventures or nations.  Supply and demand and global tariff’s and trading regulations work to more or less ( more is better ) allow supply and demand to dictate price for goods and services in FREE MARKETS. Artificial cartel or manipulations of price is unwanted in a pure economic system of wise box top rules to regulate and moderate speculation and greed.
  2. IF capital becomes profitable to side bet on which way a future price in all asset classes you can imagine – into a spiral fed by free money and leverage to borrow at no real cost to invest in highly ricky speculation side bets on WHICH WAY A FUTURE PRICE WILL GO – you have the cause of all depressions. More money spirals into side bets than real economic growth – and you have a casino. Everyone is betting on instant short term profit taking believing they have riskless risk. All prices are manipulated by speculative trading that was criminal in 1999 – as depression laws were vacated by acts of nation in response to elite super money lobby work .
  3. Digital AI software now makes such trading volumes with shadow banking unregulated  dark pools sovereign nation speculations – so enormous – with borrowing at levels so fantastic it makes Depression era speculations look like a child’s wading pool  – the entire system is at FATAK  risk. TODAY.  There is no regulation moderating the risk as it would require a G 100 Constitutional Convention to organize the LARGEST REGULATOR RE- THINK as digital evolutions require a uniform global regulation plan to stop the speculation that is now beyond wild. Digital trading is in the cloud the regulations are local to ground of nations. Digital regulatory frame works require global cooperation to develop new economic box top rules to moderate greed and unwanted speculations and force capital back into real economic investment for all of us.
  4. The market is up this year alone in the USA almost 70% and we are not at year end yet. Is 100% growth in the market seem right to you? In one year? Following the largest melt down since the Great Depression?  Do you see huge risk or lower risk? Yourself? As you watch this feeding speculation on price – driven by wild side bets up and down – by software with a market outside any regulatory control as we once knew it after the depression. Ratio’s of market prices are higher than in the depression – meaning the price of real bonds and real stocks are too high to sustain. Remember I told you THAT.
  5. What caused the depression was the market for SIDE BETS in what was known as BUCKET SHOPS in every state ( not on line global and digital ) were sucking everyone’s money into a frenzy of instant profit. The CRASH wiped out all that wealth all at once and it took two decades and a world war to recover from. Today the Bucket Shop side betting is leveraged as never before in human history with a SUPER DEBT BUBBLE no nation can even track today. The regulations have failed us all. The spiral up is fantastic you can feel it can’t you? It is true in all nations. All are to blame. Competition is the cause. Cooperation is the cure. In thinking it through. Bill Clinton said – we cooperate or we perish. It is that simple. Today we compete and the world is speculating on price – every price is casino manipulated by software outside any nations laws or regulatory frame work to control. The digital truth is THE TRUTH. A new element that is abuse to capital circulations that require economic rebalancing eventually.

This speculation is beyond anything in human history.

Today WallStreet has all its spin doctors telling us:

  1. Inflation is heating up. Not really. Inflation driven by temporary artificial higher energy prices has a short spike that when energy falls this fall – as it will by my prediction – the inflation will crash to what it is really – deflation.
  2. The cost of everything is artificially high driven by elite super money pools manipulating prices in what departed from the 1980’s as real capitalism into casino capitalism in the 1990’s as an experiment and is now THE MARKET – the CASINO.

Re- Regulation will occur after the coming SUPER CRASH or by some miracle of regulatory comprehension of the problem and a G 100 COLLABORATION to make speculation criminal as it was under laws regulating financial markets until 1999 – and following acts of nations – not so much thereafter. Now legal theft is OK using software. In the USA the new law under what was labeled the “commodity modernization act – passed by the last unanimous vote of Congress ( can you remember another one ) on economic legislation in the last three hours of the Bill Clinton administration when we had a surplus in the USA – before Christmas break. The law stipulated bucket shop regulations of states could no longer be applied under FEDERAL LAW to curb speculation in digital bucket shops in their state – which are wild wild today. In the shortest time the theory was wrong minded and proved incorrect. The greatest damage to the USA was this law which rolled back all speculation from depression experienced law makers and birthed the NEW DIGITAL GLOBAL CASINO CAPITALISM we have with us today.

Worse by far economically than the total abuse of the depression era. More capital is circulating in the SIDE BET casino than in real economics – which over time – must rebalance.

A first time uncontrolled experiment with no controls or prediction for outcome on the economic system globally – but for our experience with economic  past history – which is Super Crash – Depression and World War. All preventable but it requires sanity versus insanity in economic theory and planning.

Soon readers will see this blog as THE PROPHET – economically speaking. Common damn sense as the comedian Gallagher would explain smashing a water Mellon onto his audience.

You know – we need to set up a joint congressional speech where I smash some water mellons over all over the congress and make them smart on economics 101. This can be fixed save for one thing – as a lobby for small business in the belt way.

Too much money. The Lobby forces of Wall Street overshadow anything that can be raised to offset that money – and Congress is not going to listen to anything to suppress their own pack money.

Everyone is short term thinking and short term planning.

Few have the BIG PICTURE and BIGGER DATA and work on cause versus symptom.

Unless the economic cause is fixed the outcome is consequence.

Economics always balances accounts. In time accounts must rebalance from the SUPER DEBT bubble. 100’s of trillions in bad debts are shown on venture and nation and bank balance sheets. When fair marketing accounting institutions and banks are exempt from ( we go to prison if we used their accounting legal only for them ) – are rebalanced – the system is bankrupt. Banks and nations. Just like all depressions in all economic history. The cause versus the symptom’s.

News – bless their spirit – are ignorant of the issue and problems and report what their owners and advertisers ( super money ) allow.

As the DEBT SUPER BUBBLE BURSTS – it is all over – and the cycle that repeats for 5000 years we can not change until economic rules between nations are forged on self correcting new box top rules for cooperative capitalism – with full reporting – no secrets – elastic regulatory frame work systemics –ever self correcting and renewing –  integrity driven – fair for all G 100 nations and beyond – the system in digital market space can not prosper and sustain itself due to system abuse that follows this model defined in REDEMPTION THE COOPERATION REVOLUTION I encourage you all to order from Amazon as the Bible of your own future game planning. READ REDEMPTION and create hour own SAFE HARBOR and spread that book around.  The model documented by hard data for 5000 years of failed economic system modeling ( box top rules for economies between nations is ):


  1. Consolidation – 1% elites own more wealth in class warfare than 99% of the population. This is never economically sustainable.
  2. Melt down shatters trust and cooperation between nations.
  3. A period of trade wars where it is every nation for itself spirals into further system instability.
  4. Super Crash ends the failed economics of speculation and side betting in the casino model.
  5. Decades of re-tooling and world war are required to reset economic accounts and debt imbalances in the system as whole.

Congress around the world and rulers always moan – how oh how could this have happened?

Answer – they made it happen and they looked the other way when they new cause versus symptom. Why?


Is why.

In the USA there is too much money circulating around 530 law makers. They can’t step outside the money….who could. Without regulatory re-think on influence of money – how can it be truly tied. You know it. Billions know it. WE are SO frustrated and helpless like surf’s in the Nobel elite super money class – we have no access to petition.

Regulations moderate greed in the system. If not  and they fail system modeling to regulate free than you now  have this five to dive model that humanity needs to fix to evolve COOPERATIVE CAPITALISM as the final solution for sustained economics for us all on the planet earth. Until we resolve economics we never resolve the problem. Mind pollution is the first pollution and failure to resolve our own mind pollution is the cause.

Ignorance is the cause.

Massive lack of economic literacy any high school child should be well informed upon would create thinkers that will resolve the issues.

A massive failure of education will not fix the problem of elite market control of the Casino where fantastically wealth minds are consolidating every more wealth at the great expense of global prosperity and human potential.

Those who are guided to know the truth end up here. Spread the word.

Berny Dohrmann – What you hear and read is a lie – and the truth is what you receive today



The US Government under President Obama has cut back federal funding support for higher education to its lowest level in decades to try and get funds for Obama care with think. The cost of higher education is out of any control worse than health care. The cost is paid from ASTRONOMICAL DEBT that can not ever be repaid.

Have we simply swapped the economic speculations of the housing market and credit card rally debt for the unsustainable roulette of STUDENT LOANS? Let’s look how unstable this economic system is.

First how large is student loan and debt in the USA? Well over 44 million of American’s are truly struggling to pay their student loans off. A rising delinquency rate is approaching 40%.

The total is 1.7 TRILLION DOLLARS OF STUDENT LOANS – most of the spiraling soaring up BUBBLE is never going to be repaid – and the rippled effects moves good assets of balance sheets to bad assets. Yet the musical chairs for this broken economic model is ongoing, being copied globally and spiralling out of control in nations everywhere.

1.7 Trillion DOLLARS folks is is MORE than total car loans on automobiles and more than all credit card debt for comparison purposes how bad this spiral is becoming.

Since 2008 we have swapped the HOUSING DEBT BUBBLE ( that is still with us by the way for found two as the speculators changed nothing as they are exempt from new laws ) into a STUDENT LOAN SUPER BUBBLE. Rising a nuke into the higher clouds of economic no man’s land.


Right, this minute 8 million of the 44 million holding student debt at NOT DELIQUINT that is 40% plus – but eight million are in PURE DEFAULT. That default level remains higher than the PRE CRISES LEVELS which leaves a bad symptom for the adjustment this all breeds as the SUPER BUBBLE works its way through the economic lower bowel as it must.

It is going to become a gigantic fart with all the politicians wringing their hands doing the blame dance saying WOE IS ME WOE IS ME HOW COULD THIS HAVE HAPPENED as they transfer real blame to anyone but themselves. This is a leadership in crises of integrity or a leadership of pure shame to the American People and the people of the world.

Why? Because socialism and competitive capitalism are both fully FAILED MODELS operating on greed machinery with systems that consolidate wealth until 1% own more wealth and control more wealth than 99%. Then a nation IS bought and paid for to perpetuate inwardly its own systems forever versus self correct and reform systems to higher excellence at first option to do so. A new model we call COOPERATIVE CAPITALISM outlined in Redemption the COOPERATION REVOLUTION publication at Amazon defines HOW to move from the failed models to the new global cultural higher performance model for COOPERATIVE CAPITALISM. Student loan abuse is another credit abuse one of many that doom the present financial order to SUPER CRASH global depression and world war.

Soaring out of control college education costs do not shrink this number they explode this debt total which is unfolding now.

The headline consumer price index is only 2.7% but the soaring cost of higher education between only 2015 and 2016 rose over 9%. Almost 15% at IVY league colleges.

More and more higher education have DOUBLED DOWN with billions in DICEY BOND deals to construct facilities and grow administrators who are bought and paid to bring in wealth donors, and investors into these bond deals rising a spiral of COST that is out of any control and mindless.

The average DEBT LOAD for higher education the AVERAGE AMERICAN now carries is 70% greater over just one decade ago when Obama came into office than it is today. You can not blame these trends and numbers on Trump which is economic news, not politics.

The average per year sticker fee at baseline for IVY LEAGUE brand name higher education on average annually is $ 72,000 to $ 140,000 PER YEAR.


Social fabric tears are showing in marital problems, depression, and crime from the high debt on 44 million. But there is WORSE. Wait for it.



Obama needed money for Obama care so higher education got a whack.

The Conservative Koch Billionarie teams has been waging state by state WARS on pulic University funding – where states today provide only $ 2000 of public funding for higher education or the lowest investment in education in over 30 YEARS or three decades. THAT IS HOW WE GOT HERE – EXTREME POLITICS. Rather than economics leading policy politics have led policy and the UNINTENDED CONSEQUENCES ARE HORRIFIC to the core system. The Debt Saddle is to heavy for the horse to carry and it calls off sideways in the marketplace. DUCK WHEN THAT OCCURS.

The SUBPRIME crises took away parents ability to use their home equity like a credit card yet another source of money dried up to move to STUDENT DEBT BUBBLING.

As unemployment rate for the young both in America and worldwide is soaring to unseen numbers historically the only way up and out for a young person is higher education with accepting a near lifetime of student debt BURDEN. The BURDEN HAS SHIFTED TO THE INDIVIDUAL WHO HAS NO WAY TO PAY OFF THAT DEBT for the reasons set forth.

The things that make a person middle class:

  • Education
  • Health Care
  • Pension and retirement

Off to the individual and away from any budget or social investment in the unborn generations. We saddle our unborn with impossible debt. As BILL CLINTON SAID years ago – folks it’s simple really its all just arithmetic – do the arithmetic.

The not for profit sector receives federal subsidies but uses very small % of the money for education with the MASSIVE BULK of money nearly 50% in 2017 – consumed by marketing to NEW STUDENTS going into DEBT with points and profits and debt sold shared by the institution. IS THIS A BAD SYSTEM OR WHAT?

The student loan market is the most nontransparent secretive and opaque market space on earth at 1.7 Trillion they have become too big to even jail.

Only 10% of FIRST YEAR STUDENTS could even predict their own debt load at anywhere near the correct actual cost to pay off the debt. They are blind.

Let me point out the crtiical change when politics drivess economics versus economics drving politics. In only 2007 most student loans were orginated by the private sector banks and financial institutiosn. Today in 2017 90% of all new STUDENT LOANS orgigonate with the DEPARTMENT OF EDUCATION.  Anyone spot the problem or am I the only one?

The TRUMP ADMINISTRATION will not be able to hide disguise or fail to address the STUDENT LOAN 1.7 SUPER BUBBLE that added to other unpaid US obligations make the USA bankrupt if something is not done. We have proposed that solution in our book REDEMPTION THE COOPERATION REVOLUTION which works actually – and as far as this economist investment banker can see….it is the only solution.

On my colleagues working at the US STATE DEPARTMENT noting their proposed almost 30% cut back in operational budget, suggested – why is the Administration not hiring you as an adviser to their teams. I stated – hey they have not asked for any help. But I told em to hold on at the US STATE DEPARTMENT as the Congress of the United States is not about to whack our diplomatic troops down 30% to fund war games.

So the DEBT WARS ARE BREWING. In the end, war is simply a distraction from the national interest to rebalance trade accounts, which is achieved by redistribution through SYSTEM REFORM via cooperation or world war via competition.

The world is largely insane and is preparing for WAR in the aftermath of the crash – moving from trust and cooperation collaborations – into distrust and negotiation where every nation is in IT FOR THEMSELVES – the wrong-minded approach.

So – now you see the ALARM BELL is ringing and as the famous book suggests…ask NOT for whom the bell tolls…..for this bell tolls for THEE.
Berny Dohrmann – Wringing the ECONOMIC ALARM BELL across the world to my tribe


PS: Only economists at the tippy top try to record the total BAD Debt in the system – our best numbers today are about 100 Trillion in Asia and another 100 Trillion for the rest of US. 200 Trillion – shown as assets which are really just crap. Think about how that works out in the end.