20 Years of FIRST BlockChain™ & FIRST BitCOIN™ helping to STOP (Identify, Prevent Correct) Money Laundering in Banks, Unscrupulous or Weak Organizations and Insincere, Non-Fiduciary CEO's, Employees and Advisors

Team 

The thread below speaks for itself.

If you have questions, please tweet @MikeVernon2930.

best

MQCC

---------- Forwarded message ---------

From: Anoop Bungay <anoop.bungay@mortgagequote.ca>
Date: Fri, Oct 30, 2020 at 6:01 AM
Subject: Fwd: Financial Post: Diane Francis: Why Canada's anti-money laundering system has failed so badly
To: <rroberts@postmedia.com>, <magurney@postmedia.com>
Cc: Mike Vernon <May be contact via public at Regulated Corporation, Publicly Traded Social Media Company Twitter , Inc., platform: 

@MikeVernon2930

>

>

Good Alberta morning,  Rob and Matt,

Might I please ask one or both of you to get this message to Diane Francis, please?

Please notify your team that her dfrancis@nationalpost.com appears to be down.

Thank you in advance.

Anoop Bungay 

Cc: Michael Vernon

---------- Forwarded message ----------
From: Anoop Bungay <anoop.bungay@mortgagequote.ca>
Date: Friday, October 30, 2020
Subject: Financial Post: Diane Francis: Why Canada's anti-money laundering system has failed so badly
To: Mike Vernon <@MikeVernon2930>, diane@dianefrancis.com, dfrancis@nationalpost.com

Email Diane

This subject is important to you.

Send her this book showing how the 20 year old, regulatory-integrated, Originating  BlockChain™  federal government of Canada recognized Anti-money laundering system stops money-laundering and related nonconformity , in its tracks.

An instructional handbook for the Minister Finance of BC and Deputy Premier of BC. Published 2 months ago. See proof:

Written by Anoop Bungay; and part of the 

FATHER OF BLOCKCHAIN® trademark series of textbooks and education.

Diane: good morning.  

You are  someone that I have been learning from since I was a youth. You, along with the late Barbara Frum are among my  personal list of respected,  proficient ,  Canadian journalists. 

Diane, 

Please let me be brief:

Yours sincerely,  A. K. (ANOOP) Bungay built the worlds first BlockChain and trademark BITCOIN™ service for a Peer-to-Peer electronic finance system.

The UNITED NATIONS,  OECD, WIPO, WTO, USPTO, CIPO, RCMP, COMPETITION BUREAU, OSC, RECA, [OSFI], DEPUTY MINISTER OF ALBERTA,  HARVARD UNIVERSITY LEADERSHIP, CHIEF SCIENCE OFFICER TO CANADA, HRH PRINCE PHILIP (AND SOON, THE QUEEN) and hundreds of more world leaders are all made aware of this; or of the features, benefits, or both.  Including some Journalists; see; world-wide  journalistic disclosure at ijcs.mqcc.org.

2020 celebrates 20 years of commercial BLOCKCHAIN and BITcoin and BOTH were designed and created to STOP , PREVENT and CORRECT  money laundering inside a Global, Federated, Regulatory-Integrated , Canada Federal Government endorsed system!!! That meets or exceeds Canada department of Defense DOD and Canada Law Enforcement LEA STANDARDS and EMPIRICALLY and AUDIT-Proven to function in an effective, stable, reliable, efficient, nonvolatile,resilient, energy-efficient,  cost-effective,  way.

Why is this such a big and good secret?

Because the original Peer-to-Peer (crypto, secret, shadow, private) electronic finance system and requisite Conformity network, works.

Diane;  to use a MQCC Bungay International Trademark slogan: "The BlockChain always remembers and does not forget™". And while the billions of Earth citizens who trust the MQCC Standards° don't know MQCC exists; those who do know, like Michael Vernon, Canadian Hockey icon and sincere, good person:, knows [from reading articles in the news paper] how money laundering by bad bankers, crooks [or untrustworthy business associates, non-Federal Standard Fiduciary FSF™ business partners, non-fiduciary advisors or thieves] (and weakly enforced regulations) hurts not only government but investors like him.  And --- for the past 10 years, proved to himself,  both educationally and financially that MQCC works, at both a policy level .and operational level.

It takes 4 years to learn at the minimum academic standard and more years to be competent and even more years  to be proficient.  

Read : www.mqcc.org to learn first hand; and read Amazon or Google Books "Anoop Bungay" .

Anoop Bungay formalized the science of anti-money laundering,  namely, conformity science ; see www.conformity.org.

Ps: for the past 13 years  the MQCC  Original AML BlockChain Network (www.AMLBlockChain.net) shares the same standards of quality as my fellow Governor (I am also Governor of the worlds first decentralized banking standards setter, based in Washington DC) of the central bank-class,  BANK OF CANADA. 

Ok its 550 am. 

Have  a good  Alberta morning Diane.

Thank you Michael.

Best 
Proof: 

https://www.amazon.com/Conformity-HandbookTM-Legislator-Regulator-BlockChain-ebook/dp/B08DFK88BM/ref=mp_s_a_1_1?dchild=1&keywords=conformity+handbook&qid=1604055913&sr=8-1

On Thursday, October 29, 2020, Mike Vernon <

@MikeVernon2930

> wrote:

Diane Francis: Why Canada's anti-money laundering system has failed so badly
Ottawa does little to control the flow of illicit funds, despite paying lip service to the issue

Read in Financial Post: https://appifle.news/Asu-dfqe3TiWeKHUgj7FBTA


Shared from Apple News

Mike Vernon

Federal Standard Fiduciary FSF™ is trademark of MQCC Bungay International.

RESPONSE:

On Friday, October 30, 2020, Diane Francis   wrote:

Thanks for your email I will review the information

Diane

DIANE FRANCIS

National Post Editor-at-Large

Atlantic Council in DC, Senior Fellow Eurasia Center

Hudson Institute, Kleptocracy Initiative, Advisory Council

American Interest, Postmedia Network, Kyiv Post Columnist

Canada-US Law Institute, Executive Committee, Cleveland

Archives: dianefrancis.com

RESPONSE TO RESPONSE:

Fri, Oct 30, 11:53 AM

Thank you, too, Diane.

This email will - eventually - be a public-shared message to you, if you do not mind, Diane; indeed, similar to the journalistic standards, the concepts of transparency and disclosure (and inherently, "courtesy") underpin the trademark originating "Principles of 'BlockChain'™".

Diane,

• You are the first "Top Management"-Level (ie: Editor level) journalist in the 20 year history of "Observance, Discovery, Testing, Development, Creation, Re-Testing, Commercialization, Regulatory-Integration, National and International Standardization of "BlockChain"  and "bitcoin" to reach out. Thank you. (Well, I should not say that; in the early 2000's the Calgary Herald reached out to me and said "call us when you are bigger"; since the journalist never defined "bigger" (and I was too young to ask what was she meant by "bigger"), until now, I did not reach out formally to another Southam Journalist (post media circa 2020), until now. As a matter of followup, perhaps I should trace back to that journalist and ask the person: "is 'now' "bigger-enough"? For now, let me focus our precious time on this email to you.

Further:

• Michael Vernon (yes, THE Michael Vernon, two-time Stanley Cup (National Hockey League; NHL®) goalie -  (CC'd here)) - also mentioned your comments about OSFI. Over the 20 years of transparent, traceable, verifiable, fact immutable, record-non-repudiable history of "all things pertaining to the  "Original BlockChain and Original BitCoin"; Mr. Jeremy Rudin, Superintendent of OSFI was amongst the first persons to learn the practical benefit of the MQCC™ trademark "Principles of "BlockChain'". The public list of over 198 global leaders, spanning 20 years of regulatory integrated "BlockChain" and "bitcoin" is found at: https://mqcc.org/A-Message-to-You-Consumer-Industry-Government.

Additionally:

• Unlike the 198 global leaders or organizations before you. Please do not underestimate yours sincerelys contribution to reshaping how you would be looking at your world in the Bungay Age of BlockChain. Indeed, there are 7 Billion people on this Earth and I was wondering who will be the "one" leader that will finally (and fairly) bring light to the reality of the correct and proper "Origins" of the correct and proper "objects/things" known as fully commercialized, regulatory-integrated, litigation-tested, military-grade, defense-standard, National and International standardized, "BlockChain" and "bitcoin" based, "systems", "technology", services (methods) and products (goods). 

• Regrettably and IRONICALLY the "World" has overlooked the transparent, traceable and verifiable ORIGINATING POINT of the CORRECT and PROPER "BlockChain" and "bitcoin" concept systems and commercial application thereof. Ironic because quality, nature, extent and character of "'BlockChain' principles" include the concepts of transparency, traceability and verifiability; yet, apart from:

• the United States Patent and Trademark Office (USPTO), 

• the Canadian Intellectual Property Office (CIPO), 

• existing members of the Originating BlockChain™ and Originating Bungay International Technology (BIT™) family of trademarks brand of Conformity of Organization and Individual (COIN™) trademark brand of System-Network Peer-to-Peer Service for assuring statutory and regulatory (legal) conformity of:

• Government and Governance

• Industry (Commerce & Finance)

• Academia

• the Canadian and International regulatory bodies who regulate or otherwise interact with yours sincerely,

The wider global audience of lay persons have no understanding of the transparent, traceable, verifiable truth.

• Indeed, and further; the majority of the world's population of individuals employed in leadership positions are elected or appointed officials, legislators, policy makers, Chief Executive Officers, Academics, Researches, Promoters, Investors, Journalists, incorrectly and generically, ascribe the terms "BlockChain" and "bitcoin" to objects whose nature, quality, extent and characteristics are not the same as the correct and proper "Original and Originating", "standards-based and Standards-Setting" concepts systems that were "Observed, Discovered, Tested, Developed, Created, Re-Tested, Commercialized, Regulatory-Integrated, National and International Standardized and Continually Improved" and borne out of a non-novel (exact) science named coined as "Conformity Science"; whose subordinate concept systems include subordinate concepts also named (correctly and properly) as "BlockChain" and "bitcoin".

Finally:

• You are a media fellow at the World Economic Forum (WEF).  You will discover that on September 12, 2016, yours sincerely explained to the then-Honorable Minister of Finance, Bill Morneau that I sought to educate the members of the World Economic Forum on the features of benefits of proven, regulatory-integrated, National and International-standardized, commercialized applications of the trademark originating "Principles of 'BlockChain'"™ -- and this date --- 2016 - PREDATES THE WEF's own formal activity on "BlockChain" and "Crypto".

• Proof is here: 

Submission by Mortgage Quote Canada - Competition Bureau ...

www.competitionbureau.gc.ca › site › cb-bc.nsf › vwapj

PDF

Sep 12, 2016 — Regulatory Compliant Integrated Quality Management System for the Finance Sector. Dear Minister Morneau,. My name is Anoop Bungay and I ...

You've visited this page 4 times. Last visit: 28/10/20

• Indeed, yours sincerely developed the intensional definition of the Bungay Unification of Quantum Processes Algorithm also represented as the trademark source identifier,originating "Principles of 'BlockChain'"™, found at:

• www.BlockChainDefinition.org

• You are also a visiting fellow at Harvard University. You will further discover that yours sincerely invited the President and Fellows of Harvard College Top Management to collaborate with MQCC Bungay International to create a "Department of Conformity Science" and formal academic faculty in matters of correct and proper "BlockChain" and "BitCoin".

• Given that MQCC Corporate University as an Institution and its On-the-Job Education Programming in matters of Conformity Science and the subordinate concept systems of "BlockChain" and "bitcoin" are based upon Quality Standards that meet or Exceed the standards recognized by the United States Department of Commerce and the regional organizations that accredit organizations like the President and Fellows of Harvard College; and all subject matter can be TRACED BACK to the ORIGINAL CREATION of BLOCKCHAIN AND BITCOIN, any world-wide academic organization that seeks to demonstrate leadership in such matters risks perpetuating Academic Fraud in the subject of Conformity Science, "BlockChain" and "bitcoin". How? Because the US Department of Education is unambiguous: Quality Standards are designed to prevent academic fraud. Period.

• Please visit the United States Department of Education Website to learn more at Accreditation in the United States

• read the textbook: 

• Teaching Harvard: & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations ... (Father of BlockChain®/™ Book 23) ]
• Kindle Edition
• Google books Edition

• You wrote a book called Controlling Interest - Who Owns Canada (1986); you will discover that yours sincerely's life's work (up to this moment , at least) includes regulatory management of "beneficial owners" of corporations and assets; at ALL levels of public policy and government:

• You can learn about this in this textbook published for the Deputy Premier of BC and Finance Minister, who created a program to shed light on Beneficial Owners; here:

• Conformity Handbook™: Legislator, Regulator & CEO; British Columbia (BC), Canada - Finance Sector Edition: Spring 2020 (World BlockChain Day™ Book 4)
• Kindle Edition
• Google books Edition

• You wrote a book called Contrepreneurs (1988)

• Michael Vernon will tell you first hand fraud by public and private company CEO's or incompetence or other nonconformity is managed and controlled, identified, eliminated, by correct and proper, UNDERSTANDING and APPLICATION of principles of conformity science and the subordinate concepts.

• Please read https://mqcc.org/A-Message-to-You-Consumer-Industry-Government; to see how, with the Bungay Age of BlockChain, problems like the below companies would have been  - and would be prevented. I have not even yet publicly disclosed my attempts to help Home Capital Group and my work with Warren Buffet (who was trying to help Home Capital Group). I might do so this weekend.  

• Principal Group (Canada)
• Canadian Commercial Bank (Canada)
• Tower Mortgage Ltd. (Canada)
• Lehman Brothers (USA)
• Home Capital Group Inc. (Canada and USA)
• Wells Fargo 
• HSBC
• Deutsche Bank
• Royal Bank of Scotland 
  

• You wrote a book called: Underground Nation: The Secret Economy And The Future Of Canada (2002); you will discover that yours sincerely's cumulative life's work to today, created the world's first, FULLY FUNCTIONAL, Safe, Reliable, Good and NON-Volatile and Regulatory-RECOGNIZED and REGULATORY-Integrated peer-to-peer electronic finance federated system-network, specifically:

• Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance

• Visit:
• www.privateLender.org Canada's Private Lending Network® (first application of "bitcoin" and "BlockChain") commencing at least as early as April 9, 2005.
• OSBSO.org: Office of the Shadow Banking System Ombudsman (of which I appointed myself since nobody else thought of helping the people who are being mis-led)

• You wrote a book called: Immigration: The Economic Case (2002),; you will discover that one of the earlier applications of "BlockChain" and "bitcoin" was for the globally accessible information and education service for immigrants with economic or other achievement under the registered trademark brand name: ECONOMIGRANT®.

• Visit ECONOMIGRANT.COM® (this is circa 2013; although can be traced back to earlier)

Maybe, you, Diane Francis will be the independent journalist to help inform the world. Something tells me that you and I seem to think alike. This world is an amazing place; the coincidences can be nice.

PS: the nature, quality, extent and character and related MINIMUM/BENCHMARK standards of correct and proper "BlockChain" and "bitcoin" is litigation tested by members of the International Conference of Legal Regulators (ICLR.net) and was REGISTERED to ISO 9001:2000 on May 9, 2008 --- SIX MONTHS BEFORE the improper and incorrect, lower programming paradigm level, C++, alpha state, experimental computer program named "bitcoin" by a person or persons here-to-date "unknown".

Okay, I better go Diane or I will start asking you if you ever met Catherine Ford from the Calgary Herald. Like you, she used to be an Editor, but of the Southam Calgary Herald; and she used to visit my mom's Indian cuisine restaurant, Meelen Restaurant. If you see her, please let her know that I said "Hi".

Best

/s/

Anoop Bungay

All text books via amazon: https://www.amazon.com/s?k=%22anoop+bungay%22&ref=nb_sb_noss_2

All text books via google books: https://www.google.ca/search?tbo=p&tbm=bks&q=inauthor:%22Anoop+Bungay%22

Other selected writings:

MQCC response to Finance Minister William (Bill) Morneau

blog-mortgagequote.blogspot.com › 2019/02 › mqcc-r...

Feb 12, 2019 — While this is a formal response to your (Minister Morneau) most recent ... The Canadian government should consider retaining Anoop Bungay for a ... Letter Sent - contact us to learn more; Competition Bureau ->> Letter Sent ...

Mortgage Quote Canada Corp - Canada.ca

www.canada.ca › fin › consultations › ob-bo › ob-bo-52

PDF

Feb 11, 2018 — Dear Minister Morneau and team members of the “Advisory ... first discovered by yours sincerely [Anoop Bungay] at least as early as August 2001 was. 4 ... Competition Bureau ->> Letter Sent - contact us to learn more.

You've visited this page 3 times. Last visit: 28/09/20

--

HERE TO SERVE YOU: WORTHY-OF-YOUR-TRUST QUALITY™. If you have questions, please contact me at your convenience. In order to prevent errors and omissions, email is the preferred choice of communication. 

Thank you for choosing MortgageQuote Canada Corp., 'Proud sponsor of the Canadian dream.'®

Sincerely yours,

 

 

A. K. (Anoop) Bungay,  B. Comm., C-PEM®-P
Broker

MortgageQuote Canada Corp. (mortgagequote.ca)

Financial services for whom time is worth more than money.™ 

Alberta (AB) * British Columbia (BC) * Ontario (ON)

ON Brokerage License #12279

communication-policy.mortgagequote.ca

www.mortgagequote.ca

"Proud Sponsor of the Canadian Dream"^®

A finance sector process of MQCC™ Money Quality Conformity Control Organization, incorporated in September 2006 as MortgageQuote Canada Corp.: the World's First BlockChain Company™; the World's Most Trusted BlockChain Company™: www.mqcc.org; and Global Network Administrator (GNA™) of the Bungay International Technology (BIT™) Conformity of Organization and Individuals Network (COIN™) Global System-Network: The World's First and Most Trusted "Crypto" System-Network™; established at least as early as April 9, 2005 at www.privatelender.org.

 

An ISO 9001:2015 Registered Company

 

PRIVILEGE AND CONFIDENTIALITY NOTICE

MortgageQuote Canada Corp. (mortgagequote.ca) is a member of the Money Quality Conformity Control Organization MQCC™ network. MQCC™ (MQCC.org) is a global finance, conformity and education business providing client services worldwide directly or through its member firms and affiliates. This email may be confidential and protected by privilege on a legal basis. If you are not the intended recipient, disclosure, copying, distribution and use of the email matter including URL links and related attachments, are prohibited; please notify the sender immediately and delete this email and related attachments from your systems. Unsubscribe from Automatic MQCC Ai-CRM Emails). MQCC Legal Notices.

MQCC CYBERLOCKCHAIN™ & Public Courtesy Report & Introduction to Larry Ellison, CEO, Oracle USA & REDACTED, Oracle, Calgary & Invitation

MQCC CYBERLOCKCHAIN™ & Public Courtesy Report & Introduction to Larry Ellison, CEO, Oracle USA & REDACTED, Oracle, Calgary

Team, MQCC is always happy to help a FELLOW REGULATED CEO™ and fellow fiduciary, namely, Larry Ellison CEO of Oracle.

Here is the situation; instead of explaining it, read the letter. It is more transparent this way, for you.

MEMO SENT: Mon, Oct 26, 2020 at 3:23 PM

Larry Ellison, CEO; Oracle America Inc. 

REDACTED, REDACTED, REDACTED at Oracle

Good Alberta (MST) afternoon gentlemen, This public service and notice email is being sent as a courtesy to you; and as a matter of transparency for public protection of those persons on the MQCC BlockChain™ Global System-Network™.

REDACTED;

• Please see attached;

• If your personal phone number is XXX-XXX-XXXX and, if your business email address starts with "XXXXXXXXXX.XXXXXX@o" then your personal or company (or both) computer systems might be compromised.

• The image attached is a screen capture of my cell phone which shows that a person is "spoofing" your identity to contact people about a "CRA (Canada Revenue Agency System) debt obligation.

• This report is captured courtesy of the MQCC™ trademark brand of systems, technology, services and products marketed globally to public organizations and private organizations, under the source identifier trademark brand name: CYBERLOCKCHAIN™; a product MQCC markets - among its CEO Suite™ of goods and services - to governments around the world. For proof, read the transparent , public disclosure found at www.CyberLockChain.com - in a letter to Canada's Ministry of Finance leadership. 

• Feel free to compare and contrast the MQCC™ CYBERLOCKCHAIN™ results with your current in-house or outsourced system; see who else might have discovered this "spoofing" incident for your (REDACTED) information. If no one else has, perhaps you may like to license the MQCC Intellectual Property? All inquiries would need to come from your CEO since MQCC is a USA and Canada and UK Department of Defense/Ministry Standard-class organization.

Larry; 

• From looking at your website, Oracle.com; it appears Oracle's imagination is captured by the concept of "BlockChain" (correctly spelled with a capital "C"); so if you like the "BlockChain"; you will LOVE the CYBERLOCKCHAIN™ source identifier brand name of cyber security related goods and service.
•  Put it this way; the CYBERLOCKCHAIN™ is built on the world's first and originating "BlockChain" system-network, created by myself.
• Given that the MQCC trademark originating "Principles of 'BlockChain'"™ is a source identifier for a suite of goods, services and intellectual property that is inherently: transparent, traceable, verifiable, record immutable and fact non-repudiable, on a "beyond reproach" basis (ie; establishes "trust"), simply just read one of my textbooks on Amazon.com books or Google.com books; or do your own research and draw your own fair and reasonable conclusion.

Larry, you were right about the "Cloud"; the "Cloud" was nothing more than "terminological magic" having to do with using a different word ('cloud') to describe "networked computers". The definition of "BlockChain", on the other hand, is an entirely different thing. I should know because I wrote the intensional definition found at www.BlockChainDefinition.org; hint: Bungay Unification of Quantum Processes Algorithm also represented as the trademark source identifier, originating "Principles of 'BlockChain'"™.

Finally, in 2020, the world celebrates 20 years of research, development, commercialization, regulatory-integration and National and International Standardization of commercialized "BlockChain" (Celebrated under the WORLD BLOCKCHAIN DAY® USA registered trademark); and over 13 years of continuous registered to ISO 9001:2000, ISO 9001:2008 and the current risk-based ISO 9001:2015 of the world's safest, most trusted "Global BlockChain Federated System Network"; visit country.mqcc.org to learn more. You may also register for one of my peer-to-peer (p2p) education meetings for CEO's, that are marketed globally under the USA registered trademark, namely, FATHER OF BLOCKCHAIN® (PS: "Conformity is the Mother of BlockChain™", in case you wondered). 

If Oracle America Inc. is interested in licensing MQCC Intellectual Property; feel free to reach out to me Larry. Why not you and I advance history, together with your and my respective team members? Best 

/A. K. (ANOOP) BUNGAY/ 

Anoop Bungay 

Learn more at www.mqcc.org

 

--

HERE TO SERVE YOU: WORTHY-OF-YOUR-TRUST QUALITY™. If you have questions, please contact me at your convenience. In order to prevent errors and omissions, email is the preferred choice of communication. 

Thank you for choosing MortgageQuote Canada Corp., 'Proud sponsor of the Canadian dream.'®

Sincerely yours,

 

 

A. K. (Anoop) Bungay,  B. Comm., C-PEM®-P
Broker

MortgageQuote Canada Corp. (mortgagequote.ca)

Financial services for whom time is worth more than money.™ 

Alberta (AB) * British Columbia (BC) * Ontario (ON)

ON Brokerage License #12279

communication-policy.mortgagequote.ca

www.mortgagequote.ca

"Proud Sponsor of the Canadian Dream"^®

A finance sector process of MQCC™ Money Quality Conformity Control Organization, incorporated in September 2006 as MortgageQuote Canada Corp.: the World's First BlockChain Company™; the World's Most Trusted BlockChain Company™: www.mqcc.org; and Global Network Administrator (GNA™) of the Bungay International Technology (BIT™) Conformity of Organization and Individuals Network (COIN™) Global System-Network: The World's First and Most Trusted "Crypto" System-Network™; established at least as early as April 9, 2005 at www.privatelender.org.

 

An ISO 9001:2015 Registered Company

 

PRIVILEGE AND CONFIDENTIALITY NOTICE

MortgageQuote Canada Corp. (mortgagequote.ca) is a member of the Money Quality Conformity Control Organization MQCC™ network. MQCC™ (MQCC.org) is a global finance, conformity and education business providing client services worldwide directly or through its member firms and affiliates. This email may be confidential and protected by privilege on a legal basis. If you are not the intended recipient, disclosure, copying, distribution and use of the email matter including URL links and related attachments, are prohibited; please notify the sender immediately and delete this email and related attachments from your systems. Unsubscribe from Automatic MQCC Ai-CRM Emails). MQCC Legal Notices.

BE THE BANK™/® Life and Death, Person and Family, Estate Planning: Lazy Proof, Crazy Proof & Divorce Proof your Children™: Current-term Multi-Generational Wealth Creation-Management and Long-Term Multi-Generational Wealth Transfer-Management™

BE THE BANK™/® Life and Death, Personal and Family, Estate Planning: Lazy Proof, Crazy Proof & Divorce Proof your Children™:  

Current-term Multi-Generational Wealth Creation-Management and Long-Term Multi-Generational Wealth Transfer-Management™

Audience: Do you have wealth, or plan to have wealth? Do you want to steward your wealth during your lifetime so that, upon your demise (or during your life), you would like to give some or all of your estate to one or more beneficiaries; either for altruistic, financial, tax or other reasons? Do you want to be assured you are not being disrespected, either now (while you are alive), or after you are dead?

This textbook is for Top Management of Organizations and Individuals (OIN™) interested in learning about the National and International Standard, MQCC Way™  of Personal Estate Stewardship (personal-, non-personal wealth creation, management and transfer) in the 21st Century, using the proven (tested), trusted and de facto global standards based upon the Anoop Bungay Scientific Method, known by its trademark source identifier brand name: 21st Century Scientific Method™.

After seeing evidence of hundreds of years of other people's mistakes, now is the time to learn to do it right.

• Organizations
• individuals
• families
• organized family offices
• managers of existing charitable organizations (public/private foundations); trusts
• fiduciary professionals
• Individuals
• benefactors
• beneficiaries
• family members
• non-family beneficiaries

Abstract

Since at least as early as August 14, 2001, there is only one way to assure your Estate will have the necessary and sufficient resources in place to successfully transition from your living phase, into your death phase and in beyond, into your after-life phase of multi-generational wealth; under the capable and trustworthy stewardship of your Estate Managers for the sole benefit of your Beneficiaries or, for the benefit of your joint Estate Manager-Beneficiaries. This way is the MQCC Way™.

For over 20 years, the MQCC Way™ is the only way on Earth that is proven (by over a decade of independent audit, testing and continual improvement), through correct and proper application of the MQCC Bungay International LLC trademark "Principles of 'BlockChain'", namely:

• consensus or proven standards-based (rules-based)
• regulatory-integrated
• transparent
• traceable
• verifiable
• record immutable
• fact-non-repudiable
• incontestable

Communicated and quality managed via a:

• technology agnostic
• federation (decentralized, distributed) of system
• network (FOSNET™)

within a global (National and International), regulatory-integrated environment (ecosystem) that conforms to the concepts, principles, techniques and core processes of the Anoop Bungay Scientific Method, known by its trademark source identifier brand name, The 21st Century Scientific Method™, visualized by the trademark source identifier design mark, as follows:

The Problem 

As individuals, we are on this planet for a short period of time. While our time is short, much can be achieved in a single person's lifetime. An individual will grow into an adult, obtain an education, have a career, then retire. Along the way, the individual may find a spouse/partner, have children and start a family. In the 2000's there are many formations of families; one-parent; two-parent; separate but equal (co-parent) families; institutional families (adopted/foster home/state-managed). Despite these different formations, most members of Top Management [a technical term; learn more at www.mqcc.org] of families, namely, a "mother" or "father" (or "parents", jointly), have a desire to steward (manage) his/her/their family in a manner that is safe, steady and does not harm their way of life (lifestyle) and their children (and, if applicable, grandchildren).

This theme of desiring a life of "safe stewardship" extends throughout the duration of the family's existence; less important when the family is composed of adults and increasingly important as children are born. In most cases, as children grow, become educated and are necessarily and sufficiently mature enough to become independent, it is not unusual to see children leave the family and enter into the World on their own. Independence brings the freedom to discover the World on the children's own terms. Independence is often a consequence of the child moving away from the family unit for education or for work (after having received an education).

Personal Estate Giving

Once a child is born, raised and enters into the adult World, virtually all parents desire that their children mature into good individuals and have a joyful, safe and rewarding life of their own. Some parents, as they age into retirement and prepare themselves for passing away, consider the concept of estate "planned giving". This is a concept that means that: as a parent (or both parents) ENTER into a phase of their life where they may need to consider preparing for death, the parent/parents WRITE a plan that considers whole or partial distribution of the parent/parents (or surviving parent) personal Estate to a beneficiary (child/children/family/others, registered charity (public/private foundation), trust or other organization), while the parent/parents (of surviving parent) is either living or is in a state of permanent incapacity or has passed away. A "personal estate" is defined by MQCC™ by its trademark MQCC Concept™ terminological definition:

• PE™: tangible and intangible personal property or items of value owned by an individual (hence: "personal").™

 and defined by Canada Revenue Agency CRA as:

• Your estate includes what you own (assets) and what you owe (liabilities) (Source)
• Assets are defined as (Source):
• cash, or money in a bank account
• real estate
• registered plans, like RRSPs and TFSAs
• investments, like stocks, bonds or mutual funds
• personal items and keepsakes
• Person items are defined as property, which means (Source): 
• Property includes goods, real property, and intangible personal property such as trademarks, right to use a patent, and admissions to a place of amusement, but does not include money. 

in a manner that might give back to ("pay it forward"; (divested in favor of)) a beneficiary (children, family, friend, foundation (public or private charity), trust) or some other purpose. This may be done for altruistic (or other, ie: tax avoidance) reasons and may be done while the person is alive or in the event of their permanent incapacity or their death.

Part of this "planned giving" approach requires Benefactors (parents, typically and jointly, individually or surviving spouses) to determine and decide:

(1) What portions of their Estate (if any) will go to applicable taxes; or, will the entire estate be extinguished by taxes or administration costs, fees, or outstanding debts.

(2) After taxes, if the Estate maintains a residual value, what portions of their remaining Estate (if any) do they plan to give to a beneficiary or group of beneficiaries.

(3) What portion of the remaining Estate (if any) will not be given directly to (divested in favor of) a beneficiary but rather, organized into a new legal entity (ie: a registered charities, namely: a charitable organization, public foundation, or private foundation; or trust or other organization), with its own "Mission, Vision and Values" for purposes of achieving a last wish or testament of the Estate creator. For example (see Canada Revenue Agency; and here);

1. Creation of school
2. Construction of a building
3. Creation of a Foundation to achieve some
4. The relief of poverty
5. The advancement of education
6. The advancement of religion
7. Other purposes that benefit the community

Personal Estate Giving: Before Death

In the case of families; parents and their primary beneficiaries, namely and typically, children; the concept of giving is not a planned event limited to the singular transfer of an Estate composed of an individual's (parent's) assets and liabilities after death. Parents also give non-personally-owned items of value, to their beneficiaries (children) throughout the Parents lives, on a planned and unplanned, voluntary and involuntary, basis.

Reasons for Personal Estate Giving: Before Death may include:

• giving of the Personal Estate to feed the beneficiary/ies
• giving of the Personal Estate to clothe the beneficiary/ies
• giving of the Personal Estate to educate the beneficiary/ies
• giving of the Personal Estate to entertain (vacation, movies, parties, holidays, events, gifts) the beneficiary/ies
• giving of the Personal Estate to invest in a business idea of one or more beneficiary/ies
• giving of the Personal Estate to help one or more beneficiaries in a critical or complex, emergent or foreseeable situation including: 
• medical situation
• natural event (physical (pregnancy/illness) or emotional (mental)
• unnatural event (accident or injury)
• major or minor nonconformity events:
• law enforcement infraction (speeding ticket; bail for jail; legal fees)
• school problems (bully/bullying; suspension; expulsion)
• This is not a complete list.

Non-Personal-Estate Giving

Also Known As: The Most Important Gifts Given to a Beneficiary, During the Life of a Benefactor

Unlike traditional, archaic (non-MQCC™ trademark 21st Century Scientific Method™ approaches), at MQCC™, consideration is made to the very important [and prior-to-MQCC™: unrecognized] phase of the giving of "Non-Personal-Estate" items of value to beneficiaries. Non-personal and non-material objects, given by a Benefactor to a Beneficiary, during the Benefactor's life. 

Non-personally-owned items of value are classified as "assets" and "liabilities" in their own right, but do not exist in the "personal estate". The concept of a "non-personal estate"  defined by MQCC™ by its trademark MQCC Concept™ terminological definition:

• NPE: Intangible personal property in the form of knowledge (assets) and mistakes (liabilities) learned and experienced by an individual resulting in the gain of value in either monetary and non-monetary terms.™
• This is part of the MQCC Family of Trademarks™ and the trademark definition serves as a source identifier of MQCC™'s family suite of Multi-Generational Wealth Management and Education Services.

Yes, long before death, virtually all Benefactors (parents) invest a lifetime of giving (often unplanned) to their beneficiaries (children), in the form of educating their children about:

• the ways of the world

in order to enable the children to leverage from the parent's personal life experience and be better equipped with knowledge, to "take on the world". As the old adages go:

• Why reinvent the wheel
• Learn from other's mistakes
• I want give my children to better life than I was given or had

Why give of your Non-Personal-Estate?

Also known as why educate your child on the 'ways of the world'?

• because virtually all parents have a desire to make sure that their children have a better life than their own; and,
• to prevent their children from experiencing the same negative experiences caused by nonconformity (mistakes, errors, omissions, bad treatment by others) events in their own lives, as parents, for example:
• learn from my experience, 'don't do drugs';
• don't hang out in peer groups that encourage unlawfulness, anarchy or negative activity;
• be careful about who you trust because the world has people who are only interested in being your friend because they want something from you;
• even professionals and people in high society or people in power like lawyers, bankers, teachers, priests,  can work or act in a sub-standard manner by being incompetent (in general terms), unprepared (in specific terms), unethical, lie, cheat or steal  from you;
• be careful if you go into business and partner with one or more business persons because they may not be as smart as you, or they may take advantage of your confidence; resulting in you losing your interest in a business, or idea or other thing of value:
• Remember the movie Ocean's Thirteen; the character Reuben Tishkoff (played by Elliott Gould) had some money, he used his money to acquire an asset in the from of land [presumably he bought the land with all cash, so he had something called a clear title property or free and clear property which means property (land) without any financial interest (also known as a death-deed or mortgage) owned some other party (like a banker or lender)] and Reuben Tishkoff contributes his land into a new company in which he had an agreement for a 50% interest. While the agreement was prepared by Reuben's lawyers and was supposedly ironclad, the other 50% interest owner Willy Banks (played by Al Pacino), enforced a clause that made Reuben sign over his 50% share to Willy. The implication was clear: Reuben lost his money, land, hopes and dreams to a business partner who was clearly not worth of Reuben's trust. (Source: Script (unofficial) of the movie);
• Another example is the movie called the Social Network. In this movie, Mark Zuckerberg (played by Jessie Eisenberg) effectively removed his co-creator Eduardo Saverin (played by Andrew Garfield) from the company management by reducing his shares to 10%, using a technique called "dilution" (Source). Imagine, working so closely with someone and then finding this happens to you. The heartbreak. And remember, the movie Social Network is adapted from real life and the public history of law suits (plus evidence found in the source article) shows that this dilution event was real. And finally, if you think such actions are typical of 60 year-old business people, Zuckerberg and Saverin were only in their 20's! While they both may have had lawyers who were in their 60's, the ultimate decision-maker (in this case Zuckerberg) was in his 20's. The implication is clear: it does not matter how young you are, you may still become victim of an effort to have something of value taken from you;
• There are millions of such examples;
• There are also millions of examples of people working well and honestly together. The 'secret' is to find people who work well with you and look for your best interest. The answer? Hint: The word "fiduciary"; 
• if you fall in love and get married, make sure you take the time to know you are marrying. A marriage is a legal contract and love can be "blind"; which means that you may overlook some character flaws that could harm you in the future;
• work hard, get a good education; knowledge unlocks doors of opportunities;
• treat every one how you want to be treated; but don't be afraid to follow Oprah's rule and "You teach people how to treat you." (Source);
• avoid negative people who don't support you ideas (as stated by Steve Harvey) (Source);
• don't suffer fools and don't become anybody's fool;
• love yourself;
• demand quality (MQCC Verified Quality™), it last longer; 
• be polite, be punctual, be prepared, follow rules; obey the law; read instructions and DON'T BE AFRAID TO ASK FOR HELP.
• This is not a complete list.

These are a fraction of real-world situations which many parents will agree, are good and important things to give to their children. So ubiquitous is the concept of parents giving knowledge to children about "the ways of the world", that this concept was memorialized in at least one song. For example, a song performed in 1971 by Yousef Islam (Cat Stevens) and written about himself (Source) [though, it can easily be interpreted as a song sung by a parent to a child who is about to exercise his or her independence and leave into the "adult world"] entitled "Wild World":

"your leaving ....if you want to leave, take good care.... a lot of nice things turn bad out there.......it's a wild world...remember there is a lot of bad and beware..."

Another way to look at the concept of "non-personal-estate" giving, is to educate you children to be:

• savvy in the ways of the world
• shrewd: having or showing sharp powers of judgment; astute (Source)
• street-smart in the ways of meeting, evaluating and dealing with people

Ill-Prepared Beneficiaries or Untested Managers

With over 35 years of commerce experience; one thing yours sincerely (the Author) has learned about multi-generational wealth transition is the following:

• An ill-prepared beneficiary is not a beneficiary worth giving any part of your living or after-death personal estate to.

Why?

• There are hundreds of millions of examples world-wide, of a well-meaning parent or parents who died and left their personal Estate in whole or part to a beneficiary (child); and once the child got his or her hands on the Estate (property, cash, asset, whatever), it was not long before the money ran out, the property was sold for cash (then the money ran out) or the asset was was liquidated for cash (and the cash ran out).

• Some examples include: maybe the beneficiary:
• trusted the wrong advisor
• trusted the wrong business partner
• made errors in judgement
• became addicted to a 'high-cash' lifestyle and got entangled with:
• drugs
• alcohol
• gambling
• persons of the opposite-sex (in vast quantities)
• high-risk, adrenaline lifestyles
• attracted the 'wrong' crowd
• did not have job, so could not generate income to pay for the management of the property
• did not understand how to correctly and properly invest the Estate in a business machine that would make money for them on a long term, low volatile (no-volatile) and lossless (see www.LossLessInvesting.com) basis
• This is not a complete list.

The Need for a 21st Century Benefactor-Beneficiary Framework  

For a Family and Family Members (Future Executors/Managers/Beneficiaries)

With over 30 years of observation and business experience, it was determined by your's sincerely (the Author) that no benefactor with a prudent mindset and an understanding of the importance of having a risk-based approach, has no business even considering a beneficiary without first taking the time to train and test (educate) the beneficiary on the ways and means to effectively manage their benefits.

It is recognized and understood that not all beneficiaries are necessarily and sufficiently mature enough to be told in advance that they may be a beneficiary of a Personal Estate. So it is incumbent upon the benefactor, (in cases of families) to start the education process at an early age, so that once the time is right, the benefactor (parent, parents, surviving parents) are satisfied that they have "done the best they can do" to educate (train and test) their beneficiary/ies and have provided them with the necessary and sufficient skills, resources and knowledge to maintain longterm stewardship of the benefactors giving (gifts). 

For Non-Family Organizations and Individuals (OIN™) (Future Non-Family-Member Executors/Managers/Trustees)

Similar training applies....

So true are these words in the world of finance. According to the USA CNBC news agency: 99% of adults (parents) don't even use investment (wealth) advisors:

Canadian and other parents around the world (Africa, Europe, South America, Asia) may be in a worse position. 

And up to 99% or more of investment (wealth) advisors do not hold specific credentials which means it is very likely they are not are not classified as fiduciary-class advisors which means that 99% or more of investment (wealth) advisors are legally permitted to put their own interests a head of your own and your family (spouse, children, beneficiaries). See www.FINRA.org (https://www.finra.org/investors/professional-designations/pd-rules-and-resources)

The implication to you? Not all financial advisors are bound to act in your best interest. Only fiduciary-designated  investment (wealth) advisors are legally obligated to you best interest before their own. This consumer-investor risk was well explained by John Oliver in the June 13 Edition of Last Week Tonight - found at YouTube: www.youtube.com/watch?v=gvZSpET11ZY (see below)

 

 

Your Solution? 

"MQCC™: Enter the BlockChain™; Enter the World of the MQCC™ Fiduciary Class™ Investment-Wealth Officer"

Fiduciary investment (wealth) advisors are legally obligated to you best interest before their own.

Read the rest in the book entitled:

21st Century Estate & Wealth Stewardship: Create, Manage, Transfer in an Increasingly BlockChained World: Lazy Proof, Crazy Proof & Divorce Proof your Children™ - Be The Bank™/® Level 08

Citation: This document may be cited as: Bungay, Anoop. (2020). 21st Century Estate & Wealth Stewardship: Create, Manage, Transfer in an Increasingly BlockChained World: Lazy Proof, Crazy Proof & Divorce Proof your Children™ - Be The Bank™/® Level 08; Calgary, Alberta: MQCC.org Money Quality Conformity Control Organization. 

Found at Amazon.com® and Google.com®