Honest Money (IVAMU)

IVAMU (Intrinsic Value Added Monetary Unit)

SUBJECT: New invention: I.V.A.M.U. = Intrinsic Value Added Monetary Unit provides

Answers to Loss of Currency Values World-Wide

A Brand New Currency Invention–
New Standard for Establishing the Value of Money

“Divers weights, [and] divers measures, both of them [are] alike an abomination to the LORD.”
– Proverbs 20:10

“Declare ye among the Nations, and Publish, and set up a Standard; Publish, [and] conceal not:” — Jeremiah 50:2

I.V.A.M.U. is a Brand New Currency and CONTAINS real precious metal, such as gold, silver and or platinum. It does not need to be declared as “backed by gold,” because this Paper Money contains flat and flexible precious metal–with thickness measured in microns within the currency itself. It is located inside a small window so it is always Visible.

Claims of being ‘backed by gold’ are always suspect due to historical accounts of ‘accidental’ invention of what is called “fiat money” in which bankers permitted themselves to issue MORE currency than could be “backed by — gold!”
Born of dark greed and concealed, it worked well for the charging of interest on loaned money until too many people DEMANDED their precious metals be DELIVERED BACK to the rightful owners or depositors. What is about to happen today is a good example. JP Morgan is selling un-backed silver contracts which certainly will result in a coming “Bank Holidays” once the people catch on to the banking and investment SCAM.

Far better, I.V.A.M.U. Currency *contains those precious metals!

The designer of the concept, Ken Loundes, says, “Some I.V.A.M.U. may ‘only’ contain silver, while larger denomination currencies will contain gold or platinum. Some I.V.A.M.U. denominations may even contain two or more metals. This answers the problem today of paper currency-backed-by-nothing except more paper.”

He goes on to say, “The CONfidence game is over. We and our future generations will NOT be paying off the wicked Bankers! We will NEVER, EVER be their SLAVES.“


Monopolized Private Central Banks have created enormous problems – (the Federal Reserve is no more “federal” then is Federal Express) – not only of inflation, but also in how it depreciates the quality of human life itself. For instance, in the current economic climate the current bankers indulge in the un-resisted temptation to grant “bail-outs,” using taxpayers to replace those funds placing world-wide hyper-inflation into high gear. In that process in desperation and in greed, they Murder the hopes of the American people.

Fixing the (or any) economy involves two simple, easy steps:


Do not despair in thinking that fixing an economy cannot be done …. it certainly can. Once the problem is properly Identified anyone can easily discover the SOLUTION.

What is the problem?

Fiat Money issued by the Central Banks is unregulated and privately issued, and is therefore dishonest money loaned at interest since their money costs them nothing off the printing press at the Bureau of Engraving and Printing.


1) Remove and or suspend ALL Usury/Interest FROM the economy, (can roll back inflation by up to 97%, especially within the USA), [SEE: http://www.perfecteconomy.com ] and,

2) Issue the I.V.A.M.U. as the New Currency Standard.

“When the enemy shall come in like a flood, the Spirit of the LORD shall lift up a Standard against him”.– Isaiah 59:19

This solution will fix the currency problems for any nation in the world. I.V.A.M.U.’s precious metals-based currency will then enjoy world-wide acceptance for Standardized Value, no matter at what level it is issued. And, I.V.A.M.U. Currency isn’t “phony” money! No, the I.V.A.M.U. is all REAL because it contains the precious metal rather than referring to it to be transferred to an account at a later date or different place.

Some Examples of which Authorities may Issue this new currency includes:


Private Barter or Script Companies,


Cities, Townships, Counties, and Parishes,

State, Federal or National banks

The I.V.A.M.U. opens the door for EVERYONE to consider being their own “honest banker,” eliminating even the ‘perceived need’ for one world-wide, monopolistic Centralized Bank.

It defangs “Central Banking” into a neutral clearing house for transactions of “REAL MONEY”, and NOT dishonest “FIAT MONEY”!

As Ron Paul noted, “It is no coincidence that the Century of War has taken place along with the creation of Central Banking.” (paraphrased) Wars are being used to distract you away from “the little man behind the curtain.”

What is at stake?
This describes the Magnitude of the very real peril we are in:

“The Economic Issue is CENTRAL to even if the Human Race can or will survive.”
~ Karen Hudes

It does NOT need to be this way.


“Declare ye among the Nations, and Publish, and set up a Standard; Publish, [and] conceal not:” — Jeremiah 50:2
“When the enemy shall come in like a flood, the Spirit of the LORD shall lift up a Standard against him”.– Isaiah 59:19
“Divers weights, [and] divers measures, both of them [are] alike an abomination to the LORD.” –Proverbs 20:10

Welcome To IVAMU ~Libertys’ Best Friend!

The First IVAMU Convention held in Philadelphia, in 1776

IVAMU is pronounced “eye-vah-moo

Just Some of the many IVAMU BENEFITS:

Stops Inflation Dead and Rolls back inflation. (did you know that Inflation is THE Interest infecting the money supply? By perpetual re-borrowing enough money to maintain a money supply in circulation, then by endlessly re-borrowing the Interest on top included in, at ever new Interest, “endlessly.” It is compounded madness!)
Eliminates the National Debt, as in “Odious Debt
Stabilizes Prices and Purchase Power to the Individual
Keeps Inflation from taking place
Makes long term financial planning possible, which is truly impossible in an inflation based FIAT Money kind of monetary society
Removes BIG government and fits it back into a US Constitutional Intended size
Vastly reduces the temptation and the incentive to go to WAR
Restores Liberty
Returns Freedom
Honest Money ALSO Downsizes “BIG Government” to a size that fits into US Constitutional Limits, of Everything they can do,
reversing the current Trend into an Absolute Despotism of all out Tyranny

Using Honest Money, with equal Purchasing Power around the world, regardless of who issues it,
will also “eliminate the Temptation” to go to War.

PEACE Dollars!

Copyrighted Concepts
All Rights Reserved1776 – 2009 – 2013 – 2014  2015
Contact person: Kenneth Lowndes
5040 Old Taylor Mill Road
Suite: #7
Taylor Mill, Kentucky 41015

Email: kenneth.lowndes@gmail.com

How to Issue Money in “This Age of Plenty”

The above IVAMU (intrinsic value added monetary unit) standard from Ken Lowndes explains how to restore intrinsic value to paper by adding strands of gold, or silver, or platinum within the paper dollars themselves. Since 1971, when President Nixon took the USA off the gold standard, paper money in the United States has had no INTRINSIC value, (It has worked for the US economy because the people have had confidence in the paper dollars, because they perceive the paper dollars is being issued and backed by the United States government, which people have confidence in.) But Ken Lowndes’ IVAMU idea restores intrinsic value to the paper money — and in a much better way than has ever been done in history.

But how much money should be issued into circulation at any give point of time, in any given year, by the central government?

Money ultimately derives it’s value from the GOODS and SERVICES available in a given country, as, while gold and silver are valuable and have stood the test of thousands of years as a standard of value, they are only TWO of the millions of goods and services available. Also, if we only had gold and silver, we would die of hunger and thirst in a short time. As one student of economics put it to emphasize the point: “If we get stranded on a desert island, if you think gold and silver are so valuable, — I’ll give you all the gold and silver and I’ll take all the rest.” 

So, for an explanation of how much money the US government should issue into existence at any given time or in any given year, see the website “This Age of Plenty” at ThisAgeOfPlenty.com. 


OR read the one page website, “This Age of Plenty” (ThisAgeOfPlenty.com), here:

In this Age of Plenty…

Q & A Social Credit

(You can go to the bottom of this page for the link to the original book, “In This Age Of Plenty” by Louis Even)

1. What is Money?

Money is a ticket for real goods and real services, issued by a trusted source (such as the US Government — this holds true even if the US delegates its money-issuing power to a private company like the FED. (Dumb, but people trust the money issued by the FED because it is endorsed by the US government),

2. How much money should be issued into existence at any given period (per month, per quarter, per year)?

Money should be issued into circulation scientifically (mathematically) to about equal the goods and services in existence — and the goods and services that can be produced in the near term, i.e., a bridge that needs to be built, but has not been built yet. This will never be exact, as people are producing and consuming every second.

3. How would the US government issue money scientifically, using sound math?

We already do have the numbers to determine how much money to issue at any given period (let’s say per year) in the Government Accounting Office (GAO). The GNP is one figure ($16 trillion in 2014), and the amount of wages, welfare, unemployment, etc. — the cash in circulation ($9 trillion in 2014). This leaves a GAP, and not the clothing store).

4. What is the GAP in money circulation vs. GNP in the USA in 2014?

The GAP in 2014 was $7 trillion — too little money in circulation.

5. How would the system of Social Credit fill the GAP?

By issuing $1600 per month to every adult (some say over 18, others say over 25) in the form of a Dividend. That would equal about $7 trillion dollars per year, and would fill the GAP for that year — that is, put into circulation enough money so that all the goods and services in existence could theoretically be purchased by the people.

6. Is this what the FED is now calling “Quantitative Easing”?

Yes, it is — but under Social Credit it would be “Quantitative Easing” (an asinine term to confuse people) done scientifically, not mysteriously and non-transparently, as the FED is now doing. In fact, the country needs “Quantitative Easing”, but done scientifically, because there is too little money in circulation amongst everyday people.

7. Isn’t this printing of paper money going to cause inflation?

No, because it equals the goods and services in existence. If more money is printed than there are goods and services available for purchase, then we get inflation, — if too little money is in circulation, we get deflation, or a strangled economy that is not working right, as we have now in 2016 USA.

8. But, when a country prints more paper money against the same amount of goods, doesn’t that automatically cause inflation?

Yes, but there’s a flaw in that statement. The flaw is that we in 2016 do NOT have a static amount of goods and services in the industrial/machine/computer age. We have a growing amount of goods and services, and in fact, the exchange of these goods, and the growth or creation or expansion in quantity of these goods and services is severely hampered because the right amount of money is NOT in circulation to allow the people to purchase the goods and services currently available.

9. Does the FED understand these principles?

Yes, that is why we have not had runaway inflation in the USA, even with all the issuing and printing of paper money — because the FED does not print substantially more money than we have goods and services.

10. What is the FED doing with all the money they issue?

We don’t know, because the FED operates in secret, with the permission of our pathetic Congress. Some suspect that the FED is creating the extra $7 trillion dollars for the GAP in 2014 (and in every year) and taking it all themselves, to create their New World Tyranny, to buy up Europe, to initiate all their new projects (such as Facebook and Twiiter and Microsoft?) to do all their black ops, etc.

11. So what should the US do with the FED?

Buy the FED out, as is provided for in the original 1913 act (a concept made famous by the late banker and Presidential candidate Charles Collins) — and maybe put them (the FED principle movers and shakers) on trial simultaneously for their theft and crimes. Then replace the FED with a National Monetary Office that would issue the money scientifically, and in the light of day. The National Monetary Office would be audited by six or so different agencies and companies, some inside government and some private auditing firms — with 20 year jail terms for anyone in the National Monetary Office found falsifying numbers, coupled with $1 million rewards for any auditor that finds and proves fraud in the National Monetary Office, as it is absolutely essential that the numbers used by the National Monetary Office be accurate so as to issue the money scientifically and accurately to serve the exchange of goods, and the creation of goods, by the people of the nation.

12. I don’t like issuing a check of $1600 a month to each adult in the USA. Isn’t that issuing free money, just like Socialism?

As far as anyone has put forth, there are only two ways to issue money into circulation: one way is like we’ve been doing since 1696 – from super banks to local banks to businesses to wages, which can’t possibly get enough money into circulation at any time, and leaves a GAP between goods and services — and not enough money in the pockets of the people. Or — second way — fill the GAP by a dividend to all adult citizens. A Vatican approved commission ruled in 1939 that Social Credit is not socialism — because the dividend can be spent by each person however he or she wants – with no central planning like socialism. It is truly economic democracy. The National Monetary Office acts as a “census bureau” of money, and only figures out how much to issue into circulation, it does not have authority to tell anyone what to do, or how to spend their dividend, or to dictate to individuals or businesses in any way.

13. Yes, but isn’t it FREE MONEY to the citizens receiving the monthly dividend?

In a way, yes. In another way, no. It is free in the sense that each citizen didn’t do anything to receive the $1600 per month, — it is like each person is receiving a monthly check from a trust fund established by a rich Uncle. It is not free in the sense that our ancestors earned it through their innovations and inventions. Henry Ford, Steve Jobs, Thomas Edison, and all the millions who did anything to push forward the better production of goods and services, or of valuable ideas such as the “rule of law”, – constitute our “rich uncle”. — Our dilemma is that we are now so rich in technology that we need less and less people in the work force, because computers and machines are doing the jobs. And, we have to issue enough money to fill the GAP, and that can only be done in the traditional way, leaving so much power in the hands of the international banksters, — or by issuing a dividend to every adult citizen. If there is another way, someone should explain what it is.

14. In other words, you are saying the cumulative know-how and progress and the inventions of our ancestors belongs to everyone, not just the international banksters?

Yes, exactly.

15. But didn’t St. Paul say that those who won’t work shouldn’t eat?

Yes, but St. Paul meant real work, not busy-work, i.e. forcing human beings to do monotonous work that machines can do. Besides, receiving the dividend would not constitute a refusal to work.

16. Would the dividend change from year to year?

Maybe, the dividend would be determined by how much money, if any, is needed to fill the GAP, so the dividend would probably vary from year to year.

17. Isn’t Gold and Silver the only real money?

Gold and silver can be money, but a very inconvenient form of money, — that’s why paper money came into existence. Paper money can also be money if there are goods and services to buy, and the money is issued by a trusted source (like a government). Why? Because paper money is a ticket for real goods and services of all kinds, even without the backing of Gold and Silver. The US dollar has not been backed by gold and silver since 1971 or so.

18. Yes, but Gold and Silver is made by God and cannot be printed by man. Isn’t paper money “Fiat Money”, or “let it be Money” — able to be created by the decision of men?

Yes, very true. But all Fiat money is not bad. Fiat money is bad when it is issued against nothing, thus printing more paper money without any new goods and services. Fiat money is good when it is issued against new goods and services. This is in harmony with the teachings of St.Thomas Aquinas and Fr. Denis Fahey, and the experts Fr. Fahey relied upon.

19. Is it good to have paper money backed by gold and/or silver as the US Constitution demands?

Probably, as it gives an exact value to each unit of money, and theoretically allows people to trade in their paper money for gold or silver. Gold and silver have stood the test of time and retain their value even if a government currency crashes. Does this special prominence for gold and silver work in practice? In good times maybe. When a government or currency crashes? Doubtful. However, history tells us that after a currency collapses, or loses value, those with Gold and Silver can still get proportionate value in paper currency, perhaps a new paper currency, for the gold and silver when the smoke clears. Is there enough Gold and silver to go around if paper money were eliminated? Doubtful. Current estimates are that there is only one ounce of Gold in existence for each person on earth.

20. How valuable is gold and silver to the economy?

Gold and Silver are two forms of goods. Historically, gold and silver have proven a portable form of money, and a portable commodity to back paper money. But with ONLY gold and silver — paper money is worthless. What gives paper money its value ARE all the goods and services, especially food, clothing, shelter, transportation, etc. etc. One of my friends puts it this way: if you think Gold and Silver is so valuable, then if we get stranded on a desert island, then you can have all the gold and silver, and I’ll take everything else.

21. Could the economy survive if all the gold and silver was shot into space, never to return to earth?

Yes, because all the other goods and services, such as food, clothing shelter, transportation, computers, etc. — would give the paper money its value in such a circumstance, as it does today.

22. Finally, what is the purpose of an economy?

The answer is usually that an economy exists to create jobs. The real answer is that an economy exists to get the goods and services to the people who need them in a timely and affordable way. Yes, those who won’t work won’t eat – but what if people want to work but machines are already doing the jobs? This is where the innovations and insights of Social Credit and the Dividend come in.


For more information, check out:
In This Age of Plenty by Louis Even
(FREE Online Book – CLICK HERE)