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From the author of: The Survival Guide For The One Percent


The Bank For International Settlements



The downloadable version of the novel does not have a dark background color, and the font is Georgia. I have presented these excerpts in this color, and font to match those of the website.

This excerpt from my novel revolves around a character similar to Fritz Augustus Heinze. I present a chapter that shows his entry into the novel. He has a continued involvement in later chapters, however, this portion does not include his involvement in later episodes.

I provide these portions so that the reader may note the novel's intent to show how men of minimal capabilities were provided critical knowledge, from external sources. These external sources created a deliberate path for a limited few to enormous wealth.

This novel suggests history's Industrial Titans were little more than useful idiots.








Michael had become more than mildly concerned about Clarke's reliability. He knew that he had sent him into Montana precisely when it was entering into a period of serious discord. Temptations to deviate from the plan would be replete, and Clarke had shown too many symptoms of self indulgence.

Clarke's nature had even attracted the attention of one of the centuries prominent humorists.

Samuel Langhorne Clemens (Mark Twain) speaking about Clarke:


He is as rotten a human being as can be found anywhere under the flag; he is a shame to the American nation, and no one has helped to send him to the Senate who did not know that his proper place was the penitentiary, with a ball and chain on his legs.

To my mind he is the most disgusting creature that the republic has produced since Tweed's time.



Michael would, for the time being, stay with Clarke as his agent, but he also left several options open for switching to other individuals. Some were already competitors to Clarke, but Clarke's nature would create aggressive competitors, as well as new bitter enemies. If Clarke failed to remain loyal to Michael's interests, he would have no difficulty in recruiting others.

Clarke would have no idea how valuable his legal skills, and training would become. He had entered the banking business, and had been creating, and lending money as rapidly as opportunity allowed. Soon thereafter, he began the process of foreclosures. Within Montana, he had become well established in the banking, as well as the mining industries. Mining laws had been written, approved, and established strictly in the favor of dominant players. His skill as a lawyer had allowed him to produce extraordinary profits, and become one of the dominant players in both businesses.

Mining laws allowed an owner of one mine to follow, and extract the ores from veins that traveled beyond the physical boundaries of his own claim. One mine owner could follow these veins underground, within, and beneath the claims owned by others.

This was known as the law of the apex, and most mine owners claimed that their miners had the right to take out copper ore from beneath their neighboring mines.

Using this law to their advantage, many mine owners, and especially a new, and very recent transplant from Brooklyn, New York, were seldom reluctant to harvest the ores, from their neighbors mines.

Fritz Augustus Heinze, also known as F Augustus Heinze, had graduated from Columbia University's School of Mines, in New York, in 1889. Heinze came to Butte, Montana in that same year as a mining engineer for the Boston, and Montana Company.

Within the following five years, he had been obtaining mining claims, as well as establishing smelters for several metals. Utilizing fifty thousand dollars of inheritance from his father, and the additional assistance from investors, he had begun buying up the mining interests from numerous smaller, or local failing mining companies.

He would then pursue the veins traveling under his neighbors mining claims more aggressively, than he would pursue, within his own mines. He knew if his mining crews could obtain his neighbors ores first, they could later return to harvest his own.

In order to prevent the harvesting of any veins entering his claim's boundaries, he was alleged to have used strong armed tactics, and sometimes initiate deadly encounters, with his neighboring mine owners.

He soon established the United Copper Company. His company would become known for its aggressive attacks upon competitors, and for its manipulative use of the state, and federal courts.

Heinze was known to have employed up to 30 lawyers at a time, and would attempt to incapacitate his opponents. If one tactic failed, he would create case after case, until most were financially incapable of defending, or protecting their interests.



Clarke had, so far, been able to prevent his competition from employing such tactics, but Heinze was not the typical competitor. Clarke had to align himself with financiers to form a competitive copper mining, and smelting operation. In a short time, it had become larger than those owned by Heinze.

Clarke's continued dominance over Heinz's operation was playing well into Michael's plan. Clarke, and Heinz shared one personal trait. Neither could tolerate seeing any competitor become dominant over them, for more than short period of time.



Heinze became known for his hard drinking within gambling dens, and Butte saloons. He had been described as possessing a shy demeanor, but was frequently found in society dress, so he could attract, and impress the local ladies.

His shy demeanor was, however, a well developed act. His business tactics demonstrated that he was far from it. Most of his actions were well calculated, and planned.

He, his brother Otto, and a wall street financier had been meticulously planing the launch of an extremely aggressive stock manipulation scheme. Without knowing, they would instead, launch of The Panic of 1907. It also came to be known as the Knickerbocker Crisis.




The following is narrative, and not the continuation of the novel's story line:

Panic spread throughout the nation, creating surprise even for some of the most respected individuals, within banking, stock, and securities, as well as financial services. The surprise related to the spread to many state, and local banks, and businesses rapidly entering bankruptcy. 1907 saw the second-highest volume of bankruptcies ever recorded, within a single year.

What had not been known was how the stock manipulation was financed. There had been the use of the era's de-centralized banking system. Banks could, during that time, produce their own currencies. It appeared that the manipulation was well financed, but with no knowledge of the true value of any one of the many small bank's currencies utilized, there could not be an accurate assessment of the value backing any transaction.

When it came time to produce the cash required, few banks were able to provide any assets of adequate value. Closing their doors were their only option.

The panic started with a stock manipulation, but created an opportunity to reopen discussions, within the United States Congress over a centralized banking system. The intense fights over the concept began with U.S. President Andrew Jackson's opposition to the Second Bank of the United States.

His principal opposition was based upon his requirement that it create a currency, only if it was fungible specie backed. Fungible means the currency must be of such a nature, or kind as to be freely exchangeable, or replaceable, in whole, or in part, for another commodity of like nature, or kind. Gold, or silver would be the only commodities Jackson would consider to be fungible.

The stock manipulation had seemed inadvertent to the return to a central banking concept, but Michael's plan had been activated. He had created the momentum to establish a centralized banking system, within the United States. If he could insure its continued existence, until the mid 1970's, he would see fungible specie backed currencies disappear.



It would be difficult to determine if JP Morgan's intent, when he demanded the return of a central banking system to the United States, but it would have been quite advantageous to his family, especially those still residing in Europe.

Currencies without value, and the eventual indebtedness of nations, to a single source, would allow the manipulation of all nations, regardless of their constitutional protections.




The novel's format, within the downloadable version, does not have a dark background color, and the font is Georgia. I have presented these excerpts in this color, and font to match those of the website.



I am now offering Episode One for free.

Over 96% of buyers of Episode One have continued on to purchase all subsequent episodes. It is my impression that if I provide new potential readers an easy path to the series of episodes, I will likely develop, and keep new readers.







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