Are We Heading Towards The End of Cash? … Let’s Ask the Sun And The Moon


The sun, moon and lunar nodes as they relate to money, illusions and business cycles

Metaphorically, money is to our consciousness what illusions are to our unconscious. Symbolically, money relates to the sun (day, visible, conscious) and illusions to the moon (night, invisible, unconscious). Occasionally, when the sun, the earth and the moon are perfectly aligned, there will be an eclipse. Solar eclipses can only happen during a new moon (the moon is between the sun and the earth) and when the moon is close to its North lunar node. Analogically, we can associate solar eclipses with money eclipses and by extension with business cycles. This article will analyze the key correlation of the 18.6-year North lunar cycles with economic cycles. We will extrapolate findings to the future of money. In order to avoid reading disruptions, supporting astrological details will be presented at the end.

Right now the banking industry is secretly fostering the end of cash

The trend towards eliminating cash transactions already started in several countries. In the US, social security benefits can only be paid through either a bank account or a credit/debit card. Cashing checks is no longer available. A cashless society has become popular in Sweden. JP Morgan Chase prohibits its customers to store cash in their safe deposit boxes. French and Spanish people are only allowed cash payments in amounts up to €3,000. That ceiling is anticipated to come down to €1,000 by the Fall in France and Italy. Starting on January 1, 2016, clothing stores, gas stations and restaurants in Denmark will be encouraged to decline sales payments in cash. In South Korea 98% of all transactions are processed electronically and only 2% are maid with cash.

Real Money has progressively been replaced by book money

Central and private banks are insolvent. The astronomical global debts volume that caused the 2008 financial debacle has since grown exponentially. The situation that was bad then is much worse now. Banks kept creating more and more debts without any tangible counterparts. In fact, those book debts were created ex nihilo and scripted as book money, that would mysteriously become actual money. This is nothing else than a magic trick producing the illusion that fake money is real. The public is so afraid of the truth that they will rather be deluded than facing reality. Truth can be hidden for some time but not forever. Sooner or later the ostrich head will come out of the sand.

Preventing bank runs and allowing government-control over banking data

The end of cash remains one financial option to prevent bank runs. The logic is simplistic. If there is no more cash in the bank, then there is no more run to the bank for cash. Digital money runs are conceivable, but would be much less visible, much more controllable and payable with devaluated book money. Any defiance to new rules could easily be sanctioned by the bank account closing with major existential consequences for the account owner. If that was not enough, governments would now gain easy access to individuals, businesses and collectivities complete banking data, resulting for those entities a total loss of individual and collective freedom. Short of a street revolution –that will not happen– the end of cash is one of the rare remaining step to allow the financial collapse by kicking the can and defer the self-serving oligarchs own falls. Concerned with the day of reckoning, some heads of edge funds i.e. have already prepared their safe retreats by buying luxurious properties with airfield in New Zealand.

Notes and coins represents only a small part of the global money-debt volume

Would number of people withdraw large cash amounts from their bank account, Bank cash reserves wouldn’t last very long before being depleted. Unless dispositions are taken such as the end of cash, bank runs have some likelihood to happen. Banks’ interest rates now fell to the zero level and in some case have even dipped in negative territory. In that event, who will want to pay a bank to keep depositors money? A shoebox would be cheaper and safer. Negative interest is nothing else than a tax on cash. The FED wants us to believe that they plan to raise the interest later this year. The reality is that they can’t without precipitating a major financial world collapse. To the contrary, the interest rate trend is to progress even more in the negative territory. Be prepared for a new QE-4 instead when the ongoing Euro-QE plan will prove insufficient.

Another big chunk of freedom will be lost

The NSA spies on people cellphones, emails and social networks accounts. Those information are insignificant compared to accessing every person, business, public entity or country each and all banking transactions. Be prepared for official fake justifications, such as protecting you against tax fraud and dirty money. Moreover, authorities may force spending over savings to boost an anemic economy. The already anesthetized population will accept to trade even more true freedom for even more fake security.

What’s next

Digital money appears to be limitless. Just adding another zero with one finger on the keyboard is much easier and faster than printing 10 times more currency notes with ink on paper. The problem is that there not enough products and services on the entire planet to cover the amount of fake money. In fact, the percentage is as low as about 10%. As a result, mega-wealthy can only buy artificially inflated financial instruments with their fake money-debts. They are getting richer richer of weaker and weaker money. Money is not invested in the economy, resulting in inflation at the top (stocks prices keep growing without any relation to their economic values) and deflation at the bottom (salaries keep deceasing and so does the workforce volume). The US and Europe could agree in replacing all cash by electronic money, but China will not and the yuan would automatically fill the vacuum just created to become the de facto new world cash reserve currency. I believe that this is a sufficient deterrent to force Western Central Banks to only consider a partial end of cash.

What can we do in our personal lives?

Well, while a cashless society would solve some short-term financial concerns for the banking system, going to a 100% cashless society would require major changes in everyone’s life and substantial technological investments in the banking system. Resistances to changes will be very high, specially among all those who have neither credit cards nor bank accounts nor any budget for new banking charges.  On the negative side, I believe that cash will be more and more taxed by higher negative interests, money devaluation and indirect spoliations through fees and charges. On the positive side, I believe that the total cashless society is not on the horizon. We will end up with a compromised solution where large cash transactions may be eliminated and small cash denominations will still continue to circulate.

This being said, I firmly believe that for now your cash will be safer and more cost-effectively managed outside your bank than inside. De-bank little by little while it is still possible but keep your accounts open to cover your future months cash-flow needs as well as likely cash transactions limitations. Up to each one to make their own plan.

This conclude the narrative part of this article and below are the supporting astrological details.

A little bit of astronomy


The earth orbits around the sun in one year on a plane called the ecliptic (the yellow ellipse). The moon orbits around the earth in one month (the gray ellipse). The two points where the moon path crosses the ecliptic are called lunar nodes. The North (lunar) node is the point where the moon crosses from the South of the ecliptic to the North. The South (lunar) node is the opposite and always 180º away.

Now look towards the sky and imagine that you extend the ecliptic plane in all directions to the infinite. It will intersect the celestial sphere (stars) as a circle (not in the illustration). Imagine a circular ribbon centered on that circle and you just created the zodiac. Divide the zodiac in 12 equal segments and you now have the 12 zodiac signs (Aries, Taurus, Gemini, …).

Now extend the sun, moon and North node directions to the infinite. They will intersect the zodiac on 3 separate points. The sun will sweep the entire zodiac in one year, the moon in one month and the North node in 18.6 years. Note that the sun and the moon revolutions are in direct motion on the zodiac while the North node is retrograde.

Back to the future with Louise McWhirter

During the 20th century, Louise McWhirter was a well known financial and economic analyst who contributed many important treatises to the science of astrology.  In 1938 she wrote a book about the correlation between lunar nodes cycles and business cycles in general and stock exchange cycles in particular. Here is a link to a pdf free download of that rare book titled “Theory of Stock Market Forecasting”. The following handwritten graphic from the book summarizes her findings.


According to Louise’s theory, a general economic cycle takes 19 years to complete and parallels the 18.6-year cycle of the North node around the zodiac. As a result, the North node sweeps each of the 12 zodiac signs in an average of 1.55 year. To the axis 0º Taurus-0º Scorpio corresponds the normal state of the economy. To 0º Aquarius corresponds the worse “below normal” and to 0º Leo the best “above normal”.

It took Louise seven years of intensive research of past business cycles to reach to those conclusions. These were her findings in 1938. Now let’s jump to the 21st century and find out how well her theory fares in today so unpredictable world. Below is a graphic ephemeris of the North moon node cycles from 2000 to 2029.


The first thing we want to check is the 2008 collapse … bingo!!! 0º Aquarius –the worse “below normal”– happened exactly on the end of 2007-beginning of 2008. Now let’s look at what happened before. 2000 was ending the Leo sign –the best “above normal”– and the return to normal in 2003. What should have been a normal decline from 2003 to 2007 was artificially  manipulated (sub-prime) to fake prosperity through what was a fabricated bear market. In 2012 we were back to what should have been normal, but with artificially inflated stocks values (QE’s). 2017 should see a return to the best “above normal”. This will be the best time for the artificially deferred correction towards true values. The stars predispose but do not dispose.

Think globally, feel locally and act individually.

In light and harmony,

Serge Bernard

Greece v/ EU – Update

660x371-draghi-merkel-europeOn February 3, 2015, I wrote an astrological forecast about the Greece-EU conflict. The entire article is reproduced below. Since then, everything happened exactly as I anticipated. Here was the then highlighted bottom line.

Greece should create a double currency system, keeping the existing euro for all international transactions and a new devaluated drachma (or Greek euro) only usable within Greece borders for daily use.

Today, 4 months later, an article published in Bloomberg Business titled “Could a Parallel Currency Help Save Greece From Drowning?” is coming to the exact same conclusion. I quote:

As Greece’s financial plight worsens, an odd idea keeps popping up: a parallel currency alongside the euro that would circulate inside Greece and be used to pay for anything from taxes to food and clothing. Even German Finance Minister Wolfgang Schaeuble has said that Greece may need a parallel currency if talks with creditors fail, people familiar with his views told Bloomberg.

It is obvious that the new “Euro Drachma” plan must be implemented in the highest secret in order to prevent a massive panic. The “unexpected” revelation will happen when ready, likely during one weekend when banks are closed.

Below is the complete article titled “Will Greece stay in the euro or follow the Iceland model? A geo-cosmic approach to a complex geo-politic question.” I wrote in Smart Investors on February 3, 2015

A bigger problem than the conflict between Greece and the EU is at stake here. The recent Greek parliamentary elections gave a democratic strong voice to a population victimized by the world finance. A similar oppression is being felt by other European countries, such as Spain and Italy. On the international level, Greece is forging a new anti-EU alliance with Russia, but is counting in the last resort on the USA influence to help resolve its EU war lead by Germany. Beyond the Greece-EU confrontation lies the premises of a worldwide confrontation between the 1% mega-rich and the other 99%. The outcome of the Greece-EU conflict may have a broad impact affecting the entire planet. This is why the Greece question is so important and for which there is no simple answer.

How to handle a difficult question that common sense can’t answer? When logic and intuition are not enough to address an important question, one can either put it under the rug and hope for the best or seek an answer through non-rational beliefs. When this occurs to me I rely on consulting the sky, an approach that I learned over four decades and which already saved my life. The Greece-EU fight is a transpersonal problem that needs to be observed from Europe perspective, which in turn requires to be viewed from the world and the cosmic angle. “As above so below” attributed to Greek Hermes Trismegistus implies that there is a correlation between the realities of the macrocosm (sky) and the microcosm (earth). We all agree that the moon cycles correlate to the oceans tides and the sun cycles to the seasonal changes. This article assumes an unconventional approach, but keep reading despite a normal sceptic resistance.

Cycles between Uranus (1781), Neptune (1846) and Pluto (1930) correlate to world events. Unlike the closest planets in the solar system, these three farther celestial bodies are invisible to the naked eye and where only revealed after the invention of the telescope in the 17th century. While visible planets symbolism correlates more to personal lives, transpersonal meanings are attached to Uranus, Neptune and Pluto. Each one of those three bodies received a symbolic meaning corresponding to the type of society that existed during its discovery period. In a nutshell, Uranus = revolution (French revolution), Neptune = collectivism (Karl Marx) and Pluto = destruction (Great depression).

The current decade (2010-2019) is marked by a hard angle (90º) between Uranus and Pluto. The Uranus-Pluto cycle has marked the different revolutionary eras of our times. Let’s take a little look at astronomy: Uranus orbits around the sun in 84 years and Pluto in 248 years. Viewed from the earth, those 2 bodies form an angle –called aspect– covering a full cycle from 0º to 360º during a period varying between 114 and 141 years. Let’s look at recent cycles in history.

(1) First industrial era: 1709-1850 – agriculture, mining, manufacturing, mechanical technology

(2) Second industrial era: 1850-1964 – engines, cars, ships, railways, jets, space, engine technology

(3) Electronic era: 1964-2105 – processors, internet, computers, social networks, electronic technology

Each era’s cycle goes through 4 phases

(a) From 0º to 90º (First square): Denial

(b) From 90º to 180º (Opposition): Anger

(c) From 180º to 270º (Second square): Depression

(d) From 270º to 360º (Conjunction): Recovery

Let’s now look at the most recent phases

1934-1964: Industrial Era – Recovery phase. The Great Depression and WWII are painfully closing the industrial era to prepare the new post-war era of reconstruction and recovered happiness.

1964-2015: Electronic Era – Denial phase. This phase is ending now showing the conflict between the industrial era old industry leaders (Political money power) and the electronic era new technology leaders (Social networking power).

2015-2045: Electronic Era – Anger Phase. We will come to terms with the new reality and be angry against those who cultivated the collective delusion for so long as well as against ourselves to have allowed them to manipulate us.

The worldwide meaning of the Uranus-Pluto square for the ongoing 2010-2019 decade. The 90º exact aspect will have happened 7 times between June 2012 and March 2015. Symbolic meanings are as follows.

Uranus = Revolution, freedom, originality, humanism

Pluto = Destruction, power, change, renewal

Square = Tension, conflict, stress, struggle

In a nutshell, we can say that the ongoing decade is marked by a conflict (Square) between the destructive power of politico-finance (Pluto) and the humanitarian forces of freedom (Uranus). History moves only in one direction and at the end the fight for the past will fail, but not without a bloody conflict.

What does today Square Uranus-Pluto mean for Greece and for the EU? Whether for a person or a country, we can assume that the sky configuration at birth is the first image of its life movie. Modern Greece was born on March 25, 1821 when it became independent from the Ottoman empire. The EU was born on January 1, 1993 when the Maastricht Treaty entered in force. The next step consists to examine how today’s transiting square Uranus-Pluto is positioned in relation to the planets at Greece and EU births. Because of the limited scope of this article, I will simplify the reading.

(1) Greece: Born during a period where Uranus (revolution) was aligned with Neptune (collectivity), modern Greece is marked by a strong national identity of idealist romanticism, which explains why Greece has always been such an attractive destination for visitors. Today, transiting Uranus is aligned with Greece Saturn at birth. Saturn is the farthest planet visible with the naked eye, whose symbolism is about restriction, resistance and self-control.

(2) The EU: The square Uranus-Pluto is not representing any threat for the EU existence. In fact, (a) Greece represents only less than 3% of Europe GDP and (b) the actual conflict is mostly between lenders (politically represented by the EU) trying to minimize their losses with a bankrupt borrower. The EU will keep its stability whatever its financial outcome with Greece

As reason always compromise and passions never, what can Greece do? The square Uranus-Pluto financial problems that started in 2012 for Greece is now coming to term. Alexis Tsipras is facing a very uncomfortable dilemma, thorn between his party emotional expectations and his creditors logic requirements. On one hand he can’t disappoint Greeks hope for national freedom and on the other hand Greece cannot afford to leave the EU and tell the abusive creditors to go fly a kite. Saturn will force to seek a political compromise. Uranus-Saturn will impose an original resolution and Tsipras main difficulty will not be with the EU but with his own party emotional idealism.

How to reconcile Greek population idealism (heart) with EU creditors realism (head)? Politics being the art of the impossible, what are Tsipras options? Suffering will be unavoidable, but bankruptcy is better than coma and hope is better than despair.  Here is my proposed suggestion for a compromised resolution. Greece should create a double currency system, keeping the existing euro for all international transactions and a new devaluated drachma (or Greek euro) only usable within Greece borders for daily use. The new drachma, subject to variable exchange rate, would allow the Greek population to start rebuilding its economy, creditors will then have some hope for future revenue and Greece will not cause any destabilization of the eurozone. The Greek double currency would also serve as a viable example for other European countries, such as Spain and Italy, who are getting closer to jump in Greece footsteps. Whatever the resolution, today Greece is bankrupt and creditors can’t get blood from a turnip. Be prepared for a long and complex fight Greece-EU combining poker, chess and arm wrestling.