PDF Summary:The Zero Percent, by Du'Vaul Dey

In The Zero Percent, author Du'Vaul Dey asserts that the United States government operates more like a private corporation than a democracy. He argues that the nation prioritizes financial gain over its citizens' well-being, accusing the government and Federal Reserve of engaging in misleading fiscal practices.

Dey details methods for accumulating wealth and reducing tax burdens—including establishing foreign trusts and employing non-traditional funding strategies. He traces the government's corporate roots to biblical principles, unveiling strategies for securing inheritances without interference from authorities.

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• The loss of nationality can lead to statelessness, which can create a host of new legal and social challenges that may outweigh the perceived benefits of escaping indebtedness.
• There may be legal and practical implications of attempting to confirm ties to the United States without citizenship, as this could affect an individual's legal rights, access to services, and ability to travel.

The Federal Reserve's duties include managing the nation's monetary distribution and fiscal obligations.

Dey presents his perspective on how the U.S. government utilizes the Federal Reserve banking system, which inadvertently involves citizens in accruing public debt through the use of negotiable instruments.

The issuance of Federal Reserve currency plays a role in increasing the country's overall indebtedness.

The author contends that the banknotes we handle every day are recognized under commercial law by a different term, specifically "negotiable instruments." The U.S. government raises capital for its operations through the issuance of bonds, thereby increasing its financial obligations.

Other Perspectives

• The Federal Reserve's creation of currency is often offset by the destruction of currency as part of its normal operations, which can mitigate the impact on national debt.
• Banknotes, while they can be considered a form of negotiable instrument, are primarily legal tender issued by the Federal Reserve, not commercial paper, which is typically used to refer to instruments like checks, promissory notes, and bills of exchange.
• Bonds are a tool for fiscal policy, allowing the government to smooth out economic cycles by spending when private sector demand is weak.

Individuals can utilize irreversible mechanisms to clear their public liabilities and sidestep their tax responsibilities.

Dey claims that private individuals can legally use non-negotiable instruments to cancel out public debt, legally avoid paying taxes, and lawfully release themselves from being held as a surety for debts to banks and other financial institutions. The author recommends using precise legal language to endorse checks and postal orders in a limited manner, which can prevent additional interest from accumulating and decrease the principal balance due.

Context

• The use of non-negotiable instruments to clear debts typically involves complex legal processes and must comply with specific regulations and laws, which vary by jurisdiction.
• Being a surety means being legally responsible for another's debt. Legal strategies can sometimes be employed to release individuals from these obligations.
• Individuals can explore alternatives such as secured loans, where collateral is used instead of a surety, or co-signing arrangements that might offer different terms and responsibilities.
• This is the original sum of money borrowed or the remaining amount of a loan, excluding interest. Reducing the principal can decrease the total interest paid over time.
• Using precise legal language in endorsements is crucial. This might involve specific phrases or terms that are recognized by financial institutions and courts to ensure that the endorser's intentions are clear and legally binding.

U.S. federal authorities engage in misleading financial conduct.

Dey argues that the country's central financial institution engages in misleading and illegal economic practices, leaving a burden of debt for the populace and their descendants. He illustrates a situation where banks offer loans that surpass their actual reserves, often charging substantial interest rates for the lent money. He claims that they take advantage of public resources for personal financial benefit.

Other Perspectives

• Federal authorities often provide detailed financial reports and are audited by independent agencies, which can serve as a check against misleading financial conduct.
• The central financial institution's policies are often designed to stabilize the economy, manage inflation, and promote employment, rather than to mislead or burden the populace.
• The creation of credit by banks through lending is a critical component of economic growth and liquidity in the modern financial system.
• Banks are regulated entities, and the interest rates they charge are often within the bounds set by regulatory bodies to ensure fair practices.
• Authorities are often subject to strict regulations and oversight, which aim to prevent the misuse of public resources for personal gain.

Strategies for Accumulating Wealth and Financial Systems

Dey details methods for wealth accumulation used by prosperous individuals and families that go beyond merely breaking free from the constraints of the U.S. economic system. He details approaches for utilizing trusts to maintain tax-exempt status, even in varying economic conditions.

Utilizing express trusts with strategic planning to secure zero tax obligations.

The author emphasizes the significance of setting up a trust in a foreign jurisdiction as a crucial element in wealth accumulation. He argues that this approach safeguards wealth, reduces tax-related liabilities, and aids in recovering assets currently held by governmental entities.

Establishing an Express Trust alters the fiscal relationship between the trust's founder and governmental entities, casting the former in the role of a creditor instead of a debtor.

Dey presents the Express Trust as a legitimate method for establishing a creditor relationship with government entities and financial institutions. He elucidates that trusts, governed by Common Law, function outside the jurisdiction of the United States, thereby permitting the trust's proprietor to oversee their assets without governmental interference.

Context

• In financial terms, a creditor is an entity to whom money is owed, while a debtor is an entity that owes money. By establishing an Express Trust, the founder may position themselves as a creditor, potentially altering their financial obligations and liabilities.
• Common Law is a legal system characterized by case law and judicial precedents. Trusts under Common Law are often seen as separate from statutory regulations, which can provide certain flexibilities in asset management.
• The claim that Express Trusts operate outside U.S. jurisdiction suggests they are structured to minimize regulatory oversight, often by leveraging legal principles that predate modern statutory frameworks.

Appointing trustees from abroad and transferring assets into trusts situated in foreign nations can place the trust outside the jurisdiction of the United States.

The author underscores the importance of selecting a trustee from another country and situating the trust's holdings abroad to guarantee that the trust's operations remain beyond the jurisdiction of United States law. Dey asserts that employing this tactic is crucial for ensuring assets remain distinct from governmental control.

Context

• Placing a trust outside the U.S. can have significant tax implications, potentially reducing tax liabilities depending on the tax treaties and regulations of the foreign jurisdiction.
• Choosing a jurisdiction with a stable political and economic environment can safeguard assets from domestic political or economic instability.
• Some countries are renowned for their expertise in international financial services, offering specialized knowledge and infrastructure for managing complex trust arrangements effectively.

Strategies for building business and individual credit without relying on government-issued identification.

Dey provides methods for improving credit through the use of international trusts and corporate frameworks, which facilitate financial dealings independently of traditional identifiers like social security numbers or personal tax identification numbers.

Crafting unique financial identities separate from Social Security and personal tax identification details.

The author describes techniques for establishing banking activities and credit profiles that operate independently of social security numbers or Individual Taxpayer Identification Numbers. Dey suggests that while businesses can build their creditworthiness through a Paydex Score, individuals can enhance their credit standing by securing a FICO Score.

Practical Tips

• You can start by creating a business entity such as an LLC to establish a credit profile separate from your personal identity. By registering your business, you can apply for an Employer Identification Number (EIN) from the IRS, which allows you to open a business bank account, apply for business credit cards, and build a business credit history. This separates your personal finances from your business dealings and can protect your personal assets.

Employing a structure based on non-corporate business entities and the classification of global properties for managing credit.

Dey recommends setting up an offshore enterprise, known as an "unincorporated business association," and forming a "foreign estate" to manage private affairs, while an Express Trust supervises both, as a strategy to improve credit scores legally and engage in business dealings without accruing tax obligations.

Practical Tips

• Create a virtual simulation of running an offshore enterprise using business management software. This allows you to get a feel for managing international transactions, currency exchange, and remote operations without the initial financial risk.
• Consider using a privacy-focused browser extension or app that creates temporary email addresses for online sign-ups. This way, you can avoid using your real email address, which can be linked to your personal information, when registering for websites, newsletters, or services that you don't fully trust.
• Consider becoming an authorized user on a family member's credit card with a long history of on-time payments. This strategy can add positive information to your credit history without requiring you to qualify for a new credit line. Make sure the primary cardholder has a strong payment record and low credit utilization to benefit from this arrangement.
• Start tracking all your business-related expenses meticulously to ensure you don't miss any deductible expenses. Use a dedicated business expense tracking app or software that categorizes expenses, as this can help you identify potential deductions you might not have been aware of, which can reduce your taxable income.

Utilizing property investments and non-traditional funding strategies to accumulate wealth.

Dey champions the fundamental strategy of acquiring real estate to amass assets and generate wealth. He details a range of methods for executing financial dealings independently of traditional banks.

Utilizing approaches like vendor funding and other unconventional means to bypass standard banking channels.

Dey explains alternative financing methods, such as seller financing, "subject-to" agreements, and wraparound mortgages, to acquire and sell real estate without traditional bank loans. The author demonstrates strategies for engaging in profitable real estate transactions with limited initial capital.

Practical Tips

• Create a checklist of due diligence items specifically for evaluating properties that could be suitable for alternative financing. This might include assessing the seller's motivation, existing mortgage terms, and the property's cash flow potential. For instance, if you're considering a wraparound mortgage, your checklist should ensure that the property's income can cover both the existing mortgage and the new one you would be creating.
• Explore crowdfunding platforms to pool funds with other investors for real estate purchases. By joining a real estate crowdfunding platform, you can invest smaller amounts of money alongside others to collectively purchase properties. This method allows you to be part of real estate deals without needing to secure a traditional loan or having a large amount of capital.
• Start a neighborhood walking group that focuses on exploring areas with real estate potential, which can double as a networking event. During these walks, you can discuss the local market, share insights, and potentially find investment partners or learn about off-market deals through word-of-mouth.

Transferring ownership of real estate into unalterable trusts is a tactic employed to circumvent tax obligations and escape the scrutiny of government authorities.

The author further recommends transferring property ownership into irrevocable trusts. Dey contends that this strategy protects assets by ensuring they are not subject to property taxes and free from government scrutiny.

Context

• The trustee, who manages the trust, has a fiduciary duty to act in the best interests of the beneficiaries, which adds a layer of oversight and responsibility in managing the trust's assets.
• Establishing an irrevocable trust requires careful legal and financial planning. It is essential to consult with professionals to ensure compliance with laws and to understand the potential long-term implications.

The principles taught have their roots in biblical teachings.

Dey explores the link between the founding of the U.S. government and its diplomatic ties with Morocco, known as the Mehomitan Nation. He uncovers similarities between olden mandates and contemporary customs, illustrating the ways in which authorities employ scriptural legislation to their advantage. He details the strategy for employing Express Trusts to reclaim inheritance while operating under the identical framework.

Gaining acknowledgment as a person linked to the nation yet devoid of citizenship privileges while applying for a passport.

Dey examines the procedure for applying for a passport, offering specific terminology to officially relinquish U.S. citizenship and proclaim oneself as a non-citizen national.

In order to relinquish U.S. citizenship, it is necessary to declare loyalty to another country.

Dey recommends the use of sworn statements to provide clear background information during the submission of a passport application. One would affirm their allegiance to the Floridian Nation by proclaiming their status as a sovereign Moorish descendant and a native of Florida, emphasizing that their patriotic ties are separate from those to the United States, and that they consider Florida their domicile.

Practical Tips

• Create a personal checklist of considerations before making any decisions about changing citizenship. This list should include factors such as the impact on your family, employment opportunities, legal rights, and cultural adjustments. By weighing these factors, you can make a more informed decision about whether declaring loyalty to another country aligns with your personal goals and circumstances.
• Create a personal document checklist for passport application preparation by gathering all potential background information documents you might need. This could include birth certificates, marriage certificates, and proof of residence. Having a pre-prepared list ensures you won't miss any crucial documents when the time comes to apply or renew your passport.
• Document your personal journey of exploring Moorish heritage through a blog or social media. Share stories, photos, and insights as you learn more about your connections to the Moorish community and Florida. This can serve as a digital diary and a way to connect with others who have similar interests or heritage.
• Start a cultural exchange journal with a pen pal from another country to gain insight into different perspectives on patriotism and national identity. Through regular correspondence, you can discuss how patriotism is viewed and expressed in each other's countries, which can broaden your understanding of patriotism as a concept not confined to any single nation.
• Engage with online communities of Florida residents to gain insights into the lifestyle and hidden costs or benefits of living there. Platforms like Reddit or city-specific forums can offer real-life testimonials and advice on adjusting to the Florida climate, culture, and economy.

Employing international accords and legal rights to assert the position of an individual who lacks citizenship.

The author suggests that by leveraging international accords, such as the ones formed between Morocco and the United States, coupled with particular clauses in the constitution that endorse the reciprocal recognition and enforcement of sovereign laws, individuals can assert their status as nationals without citizenship and secure the corresponding freedoms and rights.

Practical Tips

• Start a book club focused on novels and memoirs written by or about stateless individuals to foster empathy and understanding. By reading and discussing these stories, you and your book club members can gain a deeper appreciation for the human impact of statelessness. After each book, encourage members to share insights online or with friends to spread the knowledge gained.
• You can volunteer with organizations that provide legal aid to stateless individuals to understand their challenges and advocate for their rights. By offering your time to such organizations, you'll gain firsthand experience with the legal hurdles stateless people face. For example, you might assist with paperwork, help set up legal clinics, or simply provide translation services if you're bilingual.
• Engage with local government representatives or legal professionals through social media to get insights into how constitutional recognition works in practice. Pose questions or scenarios to them about enforcing sovereign laws across borders and share the knowledge gained with your network. This could be as simple as tweeting a question to a legal expert or commenting on a local politician's post with a relevant query.

The origins of the U.S. government are intertwined with the Moroccan/Mehomitan Nation.

Dey proposes that the core tenets of the U.S. government have origins in Moroccan customs, emphasizing the notable similarities between the administrative frameworks of early Egyptian civilization and contemporary America, shaped by scriptural notions of authority and commerce, including roles like Amir and Governors or Pharaohs.

The Marrakesh Agreement recognized Mehomitan's dominion over the territory now known as the United States.

The author emphasizes Morocco's crucial contribution to the establishment of the United States in the late 18th century, citing the Treaty of Marrakesh and additional accords as proof. In 1777, Morocco, guided by Sidi Muhammad Ben Abdellah, formally recognized the independent nationhood of the United States. In 1785, Dey notes the formation of a pact referred to as the "Treaty of Marrakesh," which aimed to strengthen diplomatic and trade relations among nations, but it continues to be out of reach for the citizens of America. The United Kingdom was assigned the responsibility of overseeing Morocco's commercial activities within the Mediterranean area.

Context

• The term "Mehomitan" is an archaic reference to Muslims or Islamic entities, often used in historical texts to describe the Ottoman Empire or other Islamic powers.
• The recognition by Morocco helped the United States in its efforts to secure alliances and trade agreements with other nations, as it was a new and unproven entity on the global stage.
• During the 18th century, trade was a crucial aspect of diplomacy, with treaties often including terms that facilitated commerce, protected shipping routes, and established tariffs or trade agreements.
• The Mediterranean was a crucial trade corridor connecting Europe, Africa, and Asia. British oversight of Moroccan trade could have been motivated by the desire to secure economic advantages and ensure the free flow of goods.

Contemporary political frameworks in the United States demonstrate similarities to the principles of stewardship and financial traditions as illustrated in sacred scriptures.

Dey highlights the story of Joseph and Pharaoh as proof of modern banking practices that originated in ancient Egypt and are currently used by the U.S. government. He views the IRS and comparable governmental bodies as organizations that accumulate taxes from the populace, similar to Joseph's role in amassing provisions on behalf of the Egyptian ruler. For instance, Genesis 47:26 indicates that Joseph instituted an enduring decree across Egypt, mandating that one-fifth of the produce should be set aside for the Pharaoh, except for the lands of the priests, which did not fall under the Pharaoh's authority.

Practical Tips

• Implement a resource allocation system in your household similar to the historical practice of reserving produce. Allocate a specific percentage of your household goods, such as non-perishable food items or toiletries, to a 'community pool' that can be shared with friends or neighbors in need. For instance, if you buy in bulk, set aside 20% of your purchases for this purpose, fostering a sense of community support and preparedness.

Other Perspectives

• Modern banking practices are complex and multifaceted, involving technologies, financial instruments, and regulatory systems that have no direct parallel in ancient Egyptian financial traditions.
• The purpose of modern taxation is to fund a wide array of public services and infrastructure, not just to accumulate provisions for a single ruler or ruling class.

Employing specific legal instruments to reclaim inheritance and property currently held by the U.S. government.

Dey describes the Express Trust as an essential tool for people to reclaim assets and legacies which he believes are wrongfully controlled by the government of the United States.

Trusts are commonly utilized by individuals and citizens to secure their ownership interests in various properties and assets.

Dey explains that the "Declaration of Trust" document enables individuals to proclaim their lawful nationality, manage their assets, and handle financial transactions independently of the United States government. He encourages trust beneficiaries to assert their rights to assets, resources, and inheritances with confidence, based on their rightful heritage and status as citizens.

Other Perspectives

• The use of trusts can sometimes lead to disputes among beneficiaries, especially when the terms are not clear or when there are perceived inequities in the distribution of assets.
• Trusts are legal entities that operate within the legal framework provided by the government, and thus cannot be considered completely independent of governmental influence or oversight.
• The process of asserting rights to assets and resources can be costly and time-consuming, and beneficiaries should be prepared for potential financial and emotional burdens.

Employing trust law principles and leveraging the power of equity courts, the book confronts governmental authority and corporate deceit.

The author recommends employing the tenets of equity law along with pertinent legal texts while navigating through specialized courts that handle equitable and fiduciary issues, in order to challenge governmental authority and tackle corporate dishonesty legally. Dey suggests that people can reclaim their rightful heritage and operate without the burden of tax obligations by employing an international Express Trust managed by a trustee residing outside their home country.

Context

• These are the legal requirements to pay taxes to government authorities, which can be influenced by the structure and location of financial arrangements, such as trusts.
• Addressing corporate deceit through equity law involves seeking remedies that compel companies to act fairly and transparently, often through legal actions that demand accountability and restitution.
• An express trust is a fiduciary relationship where one party, known as the trustee, holds legal title to property for the benefit of another party, the beneficiary. These trusts are intentionally created by the parties involved, often through a written document.