Dr. Peter's Financial Systems Blog
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Blog Articles
  • 126. The three virgins
  • 125. My work as an inventor
  • 124. Bad programmers develop email systems at Google
  • 123. Fed & Worldwide interest rate hikes
  • 122. The End of Putin and Russia
  • 121. Disaster in Europe and the end of Ukraine Russia war
  • 120. Is this the end of Ukraine?
  • 119. Proton car salesman
  • 118. Coming worldwide catostrophic diasasters to come
  • 117. President Joe Bideen there is something wrong
  • 116. Does YouTube Malaysia hate non muslims?
  • 115. YouTube increase subscribers and views
  • 114. YouTube is broken
  • 113. open letter to Sundar Pichai, Sergey Brin & Mark Zuckerberg OAuth 2.0 and Contact Us Forms
  • 112. Visions regarding the church and the Chinese
  • 111. The coming worldwide cataclysm
  • 110. President Biden Declares Mass Killings of Armenians a Genocide
  • 109. Checking for clogged arteries
  • 108. President Biden tax revenue from stocks, commodities & forex
  • 107. Thank you President Trump
  • 106. Telecommunications companies billing flaws, bandwidth and other problems
  • 105. President Trump, What has happened to America?
  • 104. Is the China Virus an American Virus?
  • 103. Congratulations to President Elect Biden
  • 102. novel lithium ion battery protection circuit design for longer working life reduce toxic waste
  • 101. Did I cure myself of covid-19 coronavirus?
  • 100. President Trump bless you and recover from the China virus quickly
  • 99. Black lives matter too and so do the lives of the non-Chinese
  • 98. how to overclock cpu with technology that has not been invented yet
  • 97. vaccine lobby conspiracy theory the coming worldwide economic depression
  • 96. laptop refurbished cpu overheating with novel cooling techniques other errors.
  • 95. Letters to President Barack Obama during the great recession of 2008
  • 94. The Cedar of Lebanon is falling. Internet fake news fraud scams and pseudo communist social media companies
  • 93. coconut oil could cure viral diseases coronavirus hiv rubella hepatitis c influenza shingle rabies nipah.
  • 92. YouTube and the death of Western civilization by the coronavirus
  • 91. covid 19 and additional cures and relief for other health problems
  • 90. President Trump infections and the spread of covid-19 until 2024
  • 89. President Trump alternative cures for covid-19
  • 88. President Trump the corona virus and relief from neuropathy nerve pain
  • 87. a potential cure for Covid-19 virus
  • 86. President Trump a potential cure for Covid-19 virus
  • 85. President Trump the effects of the corona virus on the US economy
  • 84. A sad prophecy for Malaysia
  • 83. You are a hero President Trump
  • 82. do not make paul into a god and misunderstanding the laws of Moses.
  • 81. poor protestors rebellion revolution in many countries hong kong bolivia chile peru iraq
  • 80. Star of David Banner
  • 79. Prosperity God Jesus Christ in the churches in malaysia
  • 78. president trump jared kushner $50B palestinian peace plan would not work
  • 77. problems youtube video not showing homemade bread recipe.php
  • 76. php ziparchive not working apache server hard disk full problems
  • 75. LG fridge problems
  • 74. President Trump beware of scams
  • 73. open letter to Sundar Pichai, Sergey Brin & Mark Zuckerberg on proxies, caches and ip addresses
  • 72. open letter to Sundar Pichai, Sergey Brin & Mark Zuckerberg on auctions
  • 71. the tyranny of the turks
  • 70. formulae for Pythagoras Theorem
  • 69. A parallel processing theorem for machine and robotics control
  • 68. Angela Merkel should be nominated for the Nobel Peace Prize
  • 67. Why does the church not want the Ten Commandments?
  • 66. responsive web design for all devices using php superglobal variables
  • 65. We cannot block hackers anymore
  • 64. Books & e-books for sale
  • 63. Comparison of indices DJI, S&P 500, NYSE, NASDAQ and interest rates
  • 62. Predicting the NASDAQ trend from 2016 to 2020 and the S&P 500 from 2017 to 2022
  • 61. Forecasting the NYSE and the DOW Jones Industrial for 2018 to 2022
  • 60. my letters to the prime minister during the 1997 Asian Financial Crisis
  • 59. The way forward
  • 58. Wake up Israel it is time
  • 57. The Calling of the Lord
  • 56. Congratulations President Trump on the bombing of the Syrian military base
  • 55. President Trump and the 7 muslim nations
  • 54. Cure for diabetes and neropathy nerve pain
  • 53. Thank you President Barack Obama
  • 52. healing from ankle and knee joint pain with stem cell products.php
  • 51. Congratulations to President Trump
  • 50. Obamacare
  • 49. High cost of insurance premiums
  • 48. Past predictions and the price of gold
  • 47. Save the children
  • 46. Sino Russian world war and the end of America
  • 45. The Lord Gods blessing and generational curses and gays lesbians
  • 44. Slowing economic growth
  • 43. False teachings in the church in Malaysia
  • 42. Banking problems in Malaysia with AmBank
  • 41. Banking problems in Malaysia
  • 40. Historical-performance-of-my-commodity-price-prediction-charts
  • 39. Major changes to the earths continents to occur if Israel is divided
  • 38. Block hackers bad bots scrappers stop ddos attacks wordpress blog sites
  • 37. China starts world war 3 with rampant piracy and bullying smaller nations
  • 36. Powerful nontoxic insecticide used in my kitchen for exterminating ants
  • 35. Soybean prices forecast chart 2013 2014 2015 2016
  • 34. Palm Oil price trend prediction 2012 2013 2014
  • 33. NYSE Composite Index prediction of 2015 Bull Run
  • 32. Brent-crude-price-forecast-2012-2013-2014
  • 31. Congratulations-President-Barack-Obama
  • 30. Indian stock exchange nifty index prediction chart
  • 29. Soybean prices commodity chart prediction for day traders and others
  • 28. Huduh is not for malaysia and the errors in huduh
  • 27. My rapeseed commodity chart prediction useful for day traders and others
  • 26. Problems problems and more problems
  • 25. stock chart signals and price action patterns - by Steve Sollheiser
  • 24. Malaysian property prices and the property market
  • 23. Malaysian population growth and Malaysian property prices
  • 22. False teachings of the muslim terrorist
  • 21. The alternative technical analysis for commodity and stock market analysis
  • 20. Malaysian property price, bubble and crash in 2012
  • 19. The basics of stock market, forex, commodity and financial economy models
  • 18. Gold price and business opportunities
  • 17. US Economic recovery and growth part 4
  • 16. US Economic recovery and growth part 3
  • 15. Gold price forecast trend chart 2011 2012 2013 2014 2015 2016
  • 14. US Economic Recovery and Growth Part 2
  • 13. US Economic Recovery 2009 2010 2011
  • 12. How to predict gold price trend 2011 2015
  • 11. Malaysian property prices and the property bubble
  • 10. Distribution of Wealth Model and Supply and Demand
  • 9. Gold price forecast 2011 2015
  • 8. Explanation of inflation and model of inflation hyperinflation
  • 7. Approximate silver price trend prediction chart june sept 2011
  • 6. how to predict stock and commodity trends
  • 5. Causes of economic crisis recession and high inflation or hyperinflation
  • 4. What is inflation and how to manage inflation
  • 3. Making sound investment decisions
  • 2. forecasting commodity and stock market trends
  • 1. Dr. Peters Loan Calculator
    « A sad prophecy for Malaysia
    You reap what you sow but did you know that you sow what you reap?
    - Dr. Peter Achutha, 14 December 2009
    President Trump a potential cure for Covid-19 virus »

    President Trump it is a health crisis and is not a true economic crisis

    The Way the truth and the life

    Dear Mr. President Trump

    China tariffs are brilliant

    I think you were brilliant in exposing the trading practices of China and implementing tariffs against them. With such trade practices China can hold the American economy to ransom. No other President had the guts to do that. I foresaw China's plan.

    Many years earlier, during President Obama's time, I had been warning that too many companies were pirating American and European goods and many American, European and Japanese companies had started factories in China because it was the cheapest in town. Unfortunately they never thought of the consequences if China closed shop. For example 80% of the world supply of Vitamin C is from China. Most face masks and other medical supplies are from China. Many electronic products from Western companies are manufactured in China and exported all over the world. That is a serious economic risk for the rest of the world.

    Your tariffs made many companies move out of China so that we become less dependent on China. Thus if China closes its doors we, from the rest of the world, can still survive. What do we do should we run out of medical equipment, medical supplies, face masks, vaccines, cough mixtures, pain killers, antibiotics . . . etc if the Chinese factories can't make them? What do we do? We saw that happen with the corona virus outbreaks. There was a shortage of facemasks because no one else could make face masks as the material came from China.

    Many businesses were too foolish and too greedy and that is why we are in this situation. None of them looked at a crisis strategy and planned accordingly.

    A wide range of T-shirts for men and women. Fitted Cotton/Poly, Unisex, Hoodie . . . Now include Tote Bags, Mugs and Stickers. A wide range of T-shirts for men and women. Fitted Cotton/Poly, Unisex, Hoodie . . . Now include Tote Bags, Mugs and Stickers.

    Not An Economic Crisis

    The first thing that America should remember is that this is not an economic crisis. So please do not treat it as one. Do not react to it as an economic crisis. The American economy has been robust and growing very well. It is a health or medical crisis and therein lies the solution.

    If the Americans treat it as an economic crisis then stock markets will collapse, companies will lay off staff and banks will pull back and auction off properties and cars which will deepen the severity of the crisis further.

    Demand Economics a Pull System

    Look after the Demand side of the Real Economy. Forget the financial markets - stock markets, commodity markets and forex. Let them take care of themselves. When the virus situation is solved the markets will recover and boom again.

    The whole real economy is a pull system. The consumer desires a product and then if he can afford it, he buys it. That is at that point demand is created. You can have a million factories and services supplying various goods and services but if no one wants them or cannot access them or cannot afford them there will be no demand for their goods and services and the businesses will not be sustainable.

    So the most important strategy is to look after Demand.

    Looking after Demand

    1. Don't' let the banks repossess cars.
    I have seen this happen in many recessions. The cars are repossessed and the car owner has no transport to go to work or go shopping. Worst still the banks sell off the cars at ridiculously low prices and expect the balance to be paid by the original buyer. It is disgusting to see how the banks treat their customers. The banks should sell the car to cover the balance of the whole loan. Furthermore since they pulled back the car they should not ask any further payments from the car owner. Many abuse their position and sell their cars to friends and relatives at extremely low prices and expect the loan to be still serviced by the owner. Once a car is pulled back the bank should not ask for anymore payments from the owner. If they sell off the car at a profit they should reimburse the owner with the excess amount. I explained this to Prime Minister Tun Dr. Mahathir during the 1997 Asian Financial Crisis and to President Barack Obama during the 2008 Great Recession. Please refer to my article.

    2. Don't' let the banks repossess properties.
    Do you remember how many people were left homeless during the Great Recession of 2008? They were squatting in the streets and in the parks with nowhere to go. The banks didn't care. You can't pay because you have lost your job was not the bank's problem. They evicted you and auctioned off your home but that failed too as no one else had money to buy your home. So the banks kept reducing the prices until your home was worthless and left you with massive unpaid bank loans. It was the banks that made the properties worthless by auctioning during a recession when there was no demand. The banks were stupid, weren't they? Don't believe any bankers advise as they only think of themselves. I explained this to President Barrack Obama.

    What the banks should do during an economic crisis is to give common folks like me, who have lost their jobs, up to two years to find another job and in order to restart loan payments. In the meantime, these non-performing loans should be charged a reasonable amount of interest that is not compounded as the economic crisis or loss of jobs is no fault of the borrower. They should be allowed to just repay the interest or the fine for non-payments or allowed delayed payment until they get a job or sell the house for upto two years. This will prevent a collapse in the car market and the property market.

    3. Some corporations can be bailed out.
    They always run to help the rich, don't they? Sure this is a corona virus created problem so it will be ok to help the tourism industry, restaurants & hotels and other affected industries but most importantly the underlying small businesses that support these industries.

    I tell you nobody wants a loan during tough times as they will not have sufficient income to pay it back with interest. Worst still banks won't lend out money during difficult times. If you think it is right, give them a two year interest free loans and after two years they have to pay back with interest. You could give these companies the loans directly and later, if they do not pay back the loans, transfer the loans to the banks to do the collections but that you have to sort out among yourselves.

    Do you think that companies who spent their cash reserves on other things should be rewarded with such loans?

    I don't think reducing income tax will help anyone.

    4. Workers and the self-employed need to be looked after.
    Demand comes from people so look after the people first. If people have lost their jobs then look at providing them with last drawn pay or average pay for the last few months so that they can sustain their daily lives and families for 3 to 6 months. After that if the corona virus is eradicated, the economy will recover and there is no need to continue making payments to people. Why? Because you need to keep Demand going.

    5. No layoffs or retrenchments.
    Inform businesses not to lay off their staff because people need jobs, to pay off loans and feed their families. This is because layoffs causes a spiraling downward trend in Demand until every business is affected. Lets say company A laysoff its staff. As the staff were consuming company B's products the loss of income by the laidoof staff results in no sales to company B. So company B laysoff its staff resulting in more products not being purchased by their laidoff staff. This causes other companies sales to drop resulting in more layoffs in other companies. It just sprials out of control. However in the tourism industry you should make some salary payments to the workers who have been laid off as mentioned in item 4 above.

    6. Look after the health of the people.
    Health care is very expensive in America as a result a lot of people exercise, take health supplements and watch what they eat. Then the virus comes along and destroys all that. Was it worth it? Was it worth having an expensive health care system which is compounded by even more expensive health insurance schemes? It looks like it is cheaper to die in America then to live in America, right?

    Republishing my letters to President Obama

    I will republish the letters I wrote to President Barack Obama that were read by the FED & others in the American government & CNBC so that you can read them too. My computer and backups were stolen December 2011 so I lost a lot of work and many of my letters to President Obama. My suspicion was that it was someone powerful who did it as when the police came to investigate they refused to check for fingerprints or anything else. They just noted that my computer was stolen and then disappeared. Last year I requested the US Embassy to see if they could get copies of all my letters to President Obama but I have not heard from them. Give me some time and I will publish what I have not lost so that you can read them too.

    My letters to the Prime Minister during the 1997 Asian Financial Crisis.

    During the 2008 Great Recession I explained that money is like water. It has flow properties. Where ever money flows there is prosperity.

    2 Chronicles 7:14 "if my people, who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then I will hear from heaven, and I will forgive their sin and will heal their land."

    - Dr. Peter Achutha, 23 March 2020

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