Category Archives: LIVES


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America’s founders were rightfully skeptical of granting too much power to bankers. Thomas Jefferson said, “If the American people ever allow private banks to control the issuance of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the people of all their property until their children will wake up homeless on the continent their fathers conquered.”

President George Washington said, “Paper money has had the effect in your State [Rhode Island] that it ever will have, to ruin commerce–oppress the honest, and open the door to every species of fraud and injustice.”

President Thomas Jefferson also believed that “banking establishments are more dangerous than standing armies; and that the principle of spending money to be paid by posterity, under the name of funding, is but swindling futurity on a large scale.”

Daniel Webster warned, “Of all the contrivances for cheating the laboring classes of mankind, none has been more effectual than that which deludes them with paper money. We are in danger of being overwhelmed with irredeemable paper, mere paper, representing not gold nor silver; no, Sir, representing nothing but broken promises, bad faith, bankrupt corporations, cheated creditors, and a ruined people.”



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— Excerpt from THE OZ FACTORS by Lawrence R. Spencer:


                “Now which way do we go?”–Dorothy

                “Pardon me, that way is a very nice way … it’s pleasant down that way too.”–the Scarecrow

                “That’s funny … wasn’t he pointing the other way?”–Dorothy

                “Of course, people do go both ways.”–the Scarecrow.

                 “Are you doing that on purpose or can’t you make up your mind?”–Dorothy in ‘The Wizard of Oz’

                Everyone has a personal viewpoint about everything.

               Every person has a singularly unique point of view.

               There are as many universes as there are individual beings. To that degree, every subject is relative to the viewpoint of the person looking at it.

               Example: How many different versions of an accident can there be?

               1/ the same as the number of individuals who witnessed the accident

               2/ the one version that the majority of individuals agree upon as being the “real” one.

               This leads us to the understanding that there are at least two Universes:

               1/ YOUR OWN UNIVERSE, which is subject to your own person viewpoint

               2/ The PHYSICAL UNIVERSE, the universe each of us share in common to the degree that we agree upon “reality”.”

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READ The Oz Factors to discover the 12 Common Denominators (Oz Factors) and how you can use them to improve your life.


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Anna Eleanor Roosevelt  — October 11, 1884 – November 7, 1962) was an American politician, diplomat, and activist. She was the longest-serving First Lady of the United States, holding the post from March 1933 to April 1945 during her husband President Franklin D. Roosevelt’s four terms in office.

Though widely respected in her later years, Roosevelt was a controversial First Lady for her outspokenness, particularly her stance on racial issues. She was the first presidential spouse to hold press conferences, write a syndicated newspaper column, and speak at a national convention. On a few occasions, she publicly disagreed with her husband’s policies. She launched an experimental community at Arthurdale, West Virginia, for the families of unemployed miners, later widely regarded as a failure. She advocated for expanded roles for women in the workplace, the civil rights of African Americans and Asian Americans, and the rights of World War II refugees.

Following her husband’s death, Eleanor remained active in politics for the rest of her life. She served as the first chair of the UN Commission on Human Rights, and oversaw the drafting of the Universal Declaration of Human Rights. Later she chaired the John F. Kennedy administration’s Presidential Commission on the Status of Women. By the time of her death, she was regarded as “one of the most esteemed women in the world” and “the object of almost universal respect” —