Marching towards a lonely 2050 will food shortages and harsh environments spell disaster or prosperity?

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Humanity’s desire to conquer industry created stunning buildings, technology, militaries and now it appears our own demise. Food scarcity is a problem for most the world. Access to clean water is another problem. People like Sophia Sunwoo are doing wonderful things to help. Through the miracles of our machines and advances in technology we avert many catastrophes.

Is it possible to avert the catastrophe looming in 30 years?

The Australia Academy of Science authored a three volume report. The report contains focused engagement from renowned scientists about the change of our planet. The report revolved around 1) Living Scenarios (Good), 2) Living Scenarios (Bad), and 3) Having Frank Conversations about our possible extinction if we don’t address this.

Global warming is not a farce. Global warming is not something we make up for convenience. Our planet influences everything from survivability to corporate profits.

Yes this is not an article about science and the environment.

This is an article about the application to stock exchanges, commodities, price of everyday items and yes the most important…the ability to live on this planet.

PROSPERITY GROWTH & ITS COST

To grow and advance our natural resources we require support systems. Every person cannot operate an enterprise by themselves. People require help, assistance, and natural resources. Natural resources consist of electricity for your office, gas for your car, and a working computer (so you can check emails, perform work, et cetera). Each one of these items comes from somewhere. These items do not materialize out of thin air.

Everything you use starts off as a natural material. Everything is at some point something on the floor in a jungle or contained in a rock below the earth.

Some of these materials are difficult to extract and require synthetic chemicals to remove what we need from what we don’t want. These synthetic chemicals are typically not natural occurrences and what is not naturally occurring is typically toxic.

Toxicity is another word for poison.

As the size and affluence of our population increased we placed increasing demands on natural resources. These demands come in basic facts like the world now “Produces 1 million plastic bottles a minute”. By the way 91% of all plastic bottles are not recycled, according to Forbes.

Plastic is toxic.

Plastic has stressed out oceans, decimated marine life and created absurd situations of garbage in Hawaii’s north island called Kamilo Beach.

Our failure to (at first) realize we created pollution and our subsequent failure to change our ways is having profound effects on our Human Support System.

I am using the term Human Support System because the planet supports Humans. Humans are us. Humans are people. Humans desire to seek out individual prosperity at any cost is leading to cascading stresses and impacts upon the natural world. The natural world serves as the planetary life support system for all human societies and we are creating a very big problem.

THE GAP BETWEEN RICH & POOR WILL ACCELERATE

Seems odd to bring this one up first doesn’t it? You think I would talk about starving or not having enough water but I like to focus on money. Of course all those things will happen too but let’s talk about how you are affected today.

Environmental conditions influence levels of social equity. Volume 1 of The Australian Academy of Science (along with numerous other sources) studies how the loss of environmental assets, especially those that impinge on whole populations and regions, causes disproportionate harm to poorer and more marginal groups.

When these environmental conditions worsen people entrench poverty and social unrest due to fear. The price of milk, bread, and meat begin to soar. The elite that have wealth perpetuate this cycle by driving demand and hoarding what is left. Fear is a human emotion. All of us have it and the rich can feed that fear with vast resources. The people who pay for it are those that do not have wealth (i.e. paycheck to paycheck).

These factors displace people and widen disparities between the more and less secure.

Resources for your nice cars are diverted to necessities (which means your car prices increase) and computers are not so important because lights need to come on. When fuel to run electricity becomes difficult to manufacture gas stations raise prices exponentially to lessen demand. People cannot afford to spend $1,000 a month in gasoline so they sell their cars. Public transportation systems get strained with overflow. Soon people have to start walking to work (just like they do in Africa).

I am not being a “Dooms Day Prophet” — I am being a rational observer who has been to over 35 countries. These situations are happening today in countries all over the world.

The United States is en route to start acting like everyone else in the world. The media shelters you from the truth of how societies become poor and our American society is becoming poor.

CREDIT CARDS THE PRESERVER OF AMERICAN LIFESTYLES

According to the New York Federal Reserve Survey of June 2017, 43.6% of respondents applied for credit cards during the previous year. The revolving credit card usage by age is contained in a chart provided by Experian:

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The average overall non mortgage debt per consumer is $39,216 as reported by Experian. An astounding fact is that people with credit scores of 780 or above have credit utilization of 88% according to the Federal Reserve Bank of New York. That means if people have good credit they tend to use it and rack it up to live the way we see them living. Remember good credit means good interest rates — this will be an important fact later.

US people are basically borrowing money at alarming rates to live their lifestyles.

Pictures say a thousand words right? Let’s analyze another chart provided by the TSYS 2016 US Consumer Payment Study. The chart below shows what people use their credit cards for:

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Ladies and gentlemen the average American person is borrowing money to subsidize their American lifestyle. As long as people have nice things…they don’t complain. What happens when credit disappears?

That’s right. What happens if your credit cards suddenly get cut off by your merchant to convert to installment loans? Don’t think that can happen? You better read the fine print in your credit card agreement.

CREDIT USAGE HALTS

A lot of the working force today was not alive during the Savings & Loans crisis of the 1980s. I was only as old as my daughter. She is six years old. As with most six years old I didn’t pay attention to people jumping off buildings as the stock market fell apart.

I watched He-man.

Well thankfully I care to study my history. The savings and loan crisis of the 1980s was failure for 1,043 out of the 3,234 savings and loan associations in the United States. From 1986 to 1995 the Federal Savings and Loan Insurance Corporation (FSLIC) closed another 296 institutions. From 1986 to 1989 and the Resolution Trust Corporation (RTC) closed 747 institutions from 1989 to 1995.

The Savings & Loan Crisis basically dealt with the collapse of credit unions who extended credit to people who could not afford to pay. In a panic to hedge their bets the entire industry called everyone’s loan due. A person who was making on time payments received a demand letter stating they needed to pay everything back…immediately. This was because long term loans at fixed interest rates were lower than the interest rate at which banks could borrow.

Now I know what you’re saying…Chris credit cards charge 20% or 30% interest…how would this happen again?

Go back to the credit statistic of those with 780…those people rack up debt at lower interest rates. More importantly there are numerous legislation bills circulating around in Congress that say 29.99% is unethical, wrong and should be illegal.

For most of history credit card interest was considered Usury. Interest above 9.99% was deemed immoral by the church. Politicians who were traditional Christians agreed with this. Poor people stay poor by charging them excessive interest rates. Seems like secular government is waking up to what religion knew along time ago…stop preying upon poor people with excessive interest rates.

We are heading the S&L way again with small business debt (new cash advance product) and consumer credit cards being at risk for sudden calls.

PROTECTING YOURSELF FROM 2050

Environmental change is influenced by numerous factors that are terrible for humanity. Uncontrolled consumption has brought civilization to a point that is critical. Despite our voices, the documentaries on Netflix, and Al Gore’s speeches we will march on to the 2050 scenario.

Society will march on to this demise due to greed, politics and the number one consumers having nuclear weapons. These powers will intimidate, propagate and create more poverty in the world while delaying their discomfort.

Unfortunately moral compasses only seem to apply to the less fortunate. The rich tend to wake up every day and not feel any real societal strain. Bread costs $4.00 today? Okay. Bread costs $6.00 today? Okay.

Those statements are not okay for the $14 an hour employee.

The best thing to do now is invest in a “Seed Bank” and “Water Reservoir”. Right now these assets are overlooked by everyone. Taking possession of farm land. Acquire other agricultural resources. These are the most practical ways people can protect themselves. These commodities are not expensive. Anyone with $100 can start this protection mechanism. Not only will these items be the future of long term wealth — they will be the reason why your grand children eat / drink.

Don’t be short sighted or selfish. If you’re selfish think about the money. If you’re short sighted think about your credit cards being cut off in a few years. Have something to bargain with when you can’t borrow your lifestyle anymore.

Hopefully this newfound knowledge will take you to profitable and a safe future. Follow me on Medium or subscribe to my newsletter to learn more insightful advice.

To your knowledge success!

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About Christopher: Christopher Knight Lopez is a Professional Entrepreneur. Christopher has opened over 7 businesses in his 14-year career. Christopher’s purpose is to take advantage of various market-driven opportunities. Christopher is a certified Master Project Manager (MPM), Master Financial Planner (MFP) and Accredited Financial Analyst (AFA). Christopher previously held his Series 65 securities license. Christopher also has his General Lines — Life, Accident, Health & HMO. Christopher has managed a combined 286mm USD in reported Assets Under Management & Assets Under Advisement. Christopher has work experience in 29 countries, raised over 50mm USD for various businesses, and grossed over 7.5mm in his personal career. Christopher worked in the highly technical industries of: biotechnology, finance, securities, manufacturing, real estate, and residential mortgages. Christopher is a United States Air Force Veteran. Christopher has a passion for family, competitive sports, fishing, martial arts and advocacy for entrepreneurs. Christopher provides self-help classes for up-and-coming entrepreneurs. Christopher’s passion to mentor comes from belief that entrepreneurs need guidance. The world is full of conflicting information about entrepreneur identity. See more at www.christopherklopez.com.

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Christopher is a Professional Entrepreneur with over 14 years of experience, a Master Project Manager, Financial Analyst, & Master Financial Planner

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