The Rat is also associated with the Earthly Branch (地支—dì zhī) Zi (子) and the midnight hours. In the terms of yin and yang (阴阳—yīn yáng), the Rat is yang and represents the beginning of a new day.

In Chinese culture, rats were seen as a sign of wealth and surplus. Because of their reproduction rate, married couples also prayed to them for children.

Rats are clever, quick thinkers; successful, but content with living a quiet and peaceful life.
Recent years of the Rat are: 1924, 1936, 1948, 1960, 1972, 1984, 1996, 2008, 2020.

Paired with the Celestial Stems (天干—Tiān gān), there is a 60-year calendrical cycle. Although zi is associated with water, the years also cycle through the five elements of nature (五行—wǔ xíng).

See the table below for the full details of each year.

YEAR ZODIAC EARTHLY BRANCH CELESTIAL STEM ELEMENT YIN YANG
1924 Rat zi jiǎ Wood Yang
1936 Rat zi bǐng Fire Yang
1948 Rat zi wù Earth Yang
1960 Rat zi gēng Metal Yang
1972 Rat zi rén Water Yang
1984 Rat zi jiǎ Wood Yang
1996 Rat zi bǐng Fire Yang
2008 Rat zi wù Earth Yang
2020 Rat zi gēng Metal Yang
Personality and characteristics
Optimistic and energetic, people born in the Rat year are likable by all. They are sensitive to other’s emotions but are stubborn with your opinion. Their personality is kind, but due to weak communication skills, their words may seem impolite and rude.

On the financial side, they like saving and can be stingy. However, their love for hoarding will sometimes cause them to waste money on unnecessary things.

ELEMENT YEAR FORTUNE
Metal 1960, 2020 These Rats tend to be reliable and live a stable life. They may hold some power and are able to turn unlucky events into fortune.
Water 1972, 2032 These Rats encounter hardships in the early days. They become successful during their middle ages and create a happy family. However, relatives and close friends may weigh them down.
Wood 1924, 1984 These Rats are multi-talented. They are strong-willed and always finish what they begin.
Fire 1936, 1996 These Rats have high IQs and EQs. They are average during youth, develop well in the middle ages and have great fortune later in life.
Metal 1948, 2008 These Rats are good speakers. They’re the mood makers of a group, but can be slightly possessive. They face difficulties in their youth, but are generally able to withstand them.
Men born in the Rat year are clever and adapt quickly to new environments. They are creative great at taking advantage of opportunities. However, they sometimes lack the courage to do so. Although they have great ideas, they might not be suitable for leadership positions.

Women born in the Rat year are the traditional women. They love keeping things organized and place great value on the family. Everything is taken care of by them and there is no need for their husband to worry. Outside of home, they’re also someone with a sense of responsibility and ability.

Compatibility
Most compatible with Rat: Ox, Dragon, Monkey
Rat’s fixed Earthly Branch is water, while Ox is earth. They complement and help one another in both work and life.

Couples that are formed from Rat and Dragon will be able to understand each other well, and enjoy success together.

Similar to Dragons, Monkeys get along great with Rats, and tend to live happily ever after like a fairytale.

Least compatible with Rat: Horse, Goat and Rabbit
The Earthly Branches of Rat and Horse clash strongly. No matter what a Rat does, it won’t be enough for the Horse.

Goats are attracted to Rat’s wealth and hope to control it, making it a rocky relationship.

The Rabbit will either purposely or unintentionally go against the Rat’s wishes, while the Rat can only keep silent.

Lucky things for Rats
Colors: blue, gold, green
Numbers: 2, 3
Flowers: lily, African violet, valley lily
Directions of auspiciousness: southeast, northeast
Directions of wealth: southeast, east
Directions of love: west
Unlucky things
Colors: yellow, brown
Numbers: 5, 9

Careers fit for Rats
Because of their independence and imagination, they are suitable for creative jobs. These include authors, editors and artists. However, if they join a team, their creative outlet may be blocked.

Rats also pay attention to fine detail. They are fit for technical work, such as engineering and architecture.

They are alert, but have a lack of courage. This makes them unsuitable as police officers, entrepreneurs or other leadership and political positions. Although Rats make good financial decisions, they should be careful not to invest with a close friend. It will not only cause money problems, but also affect the friendship.

Health and lifestyle
Since childhood, Rats have frail health. They have energetic personalities, but tire quickly. They catch colds often, but thankfully do not have serious illnesses.

They are sensitive to change in temperature. Not only is cold weather unbearable for them, they also can’t stand hot weather. But despite seeming weak and not being able to perform hard physical work, they enjoy longevity.

Rats can eat anything, whether they are delicacies or plain food. However, they should pay attention to their diet. Many times, they will get too into work and forget to eat. Going long periods without food and suddenly bingeing cause problems in their digestive system. Enemies of their health also include smoking and drinking habits.

For a healthy life, Rats must remember to eat breakfast, do moderate exercise and remain cheerful.

Horoscope
2020 2019
Rats in the Year of the Rat (2020)
Although a zodiac’s year is traditionally the most unfortunate, laden with bad omens and mishaps, 2020 will perform reasonably well for the Rat. Success will come in the form of career; celebrate the fact that your efforts will be rewarded and seen. On the other hand, your health and relationships will prove to be a struggle. Visit your doctor at the first sign of illness, and work toward creating a loving, open environment for all of your relationships. The year will have its issues, but the positive factors can turn it around.

Career
Even though the year will be a challenge in many areas, the Rat’s career will not be among them. Success will flourish in the workplace, yielding benefits of all kinds. Hard work will be rewarded; your clever skills, quick-thinking, and optimism will drive you forward. Exclusive bonuses will come to those born in the first half of the year. Rats born in the following months will have to push a bit harder for their goals.

Finances will be booming for the entirety of the year! Your income might even double. It would do you well to save and invest your hard-earned money. Try to avoid spending it all on luxurious items and vacations. Instead, splurge on little experiences here and there. Take your family to a theme park or your husband on a dinner date. Your girlfriend might enjoy a trip to the fair.

Lucky Months: March, September, and November.

Unlucky Months: April, July, and October.

Education
The Rat will maintain a decent academic standing in their educational studies. Hard work will be valued and necessary. With the right amount of focus on your studies, you will surely meet your goals. Be wary of your well-being; stress over your course schedule might get you down and even cause illness. Avoid sickness by pairing vitamins with at least seven to eight hours of sleep and proper nutrition. Although you might want to enjoy a full social calendar, it would be better to take some downtime to recuperate.

Health
Vulnerable to sicknesses, like colds and fatigue, the Rat will have to be extra careful in 2020. At the first sign of symptoms, head to your general practitioner immediately. The faster you get medicine and the treatment you need, the quicker you will heal. To stay healthy, do your body a favor and eat more proteins and vegetables; boost your immune system by adding vitamins to your diet as well. As a general rule, proper diet, exercise, and sleep keep one healthy.

Relationships
Luck is also not in your favor this year for love. Romance will be hard to come by for married couples and singles alike. You will face many struggles throughout the year; however, your innate positivity will help you push through hard times. If you’re single, it is best to avoid longing for a partner this year. The likelihood of finding someone long-term is very low. Instead, have fun and enjoy the freedom of not being tied down romantically. Enjoy light conversation, some partying (but not too much) and meet new people. Take this bad news and look for the bright side!

The same misfortune goes for married couples; be on the lookout for challenges in your relationship. Petty arguments, financial battles, or suspicions might plague your love-life. When these issues surface, don’t let them fester. Deal with everything head on to experience a better year. Focus on the love you have for your partner; this person is your home, your safe zone, and your beloved. Keep yourself grounded in love.

Lifestyle
Rats will experience both successes and failures in the Year of the Rat. Success will show itself in the workplace and education, while relationships and health will be the areas that suffer. Overall, the year has a far better outlook than one’s typical zodiac year suggests. Rats should rejoice in their good fortune. Their natural ability to create success is a gift, a gift that will prove itself in financial gain. If you are feeling nervous about the year ahead, protect yourself with a Buddha statue. And have hope for good times to come amidst misfortune.

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Cheryl Switzer Marc Huschke

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“The Money Myth Exploded” was one of the first articles of Louis Even, and remains one of the most popular to explain how money is created as a debt by private banks. It is available in the form of an 8-page leaflet (tabloid format) that you can order from the “Michael” office, in several languages: English, French, Spanish, Italian, German, Polish, Portuguese.

1. Shipwreck survivors

An explosion had blown their ship apart. Each one grasped the first bit of wreckage that came to hand. And when it was over, there were five left, five huddled on a raft which the waves carried along at their will. As for the other victims of the disaster, there was no sign of them.

Hour after long hour their eyes searched the horizon. Would some passing ship sight them? Would their make-shift raft finds its way to some friendly shore?

Suddenly a cry rang out: “Land! Look! Over there, in the direction the waves are carrying us!”

And as the vague silhouette proved itself to be, in fact, the outline of a shore, the figures on the raft danced with joy.

They were five. There was Frank, the carpenter, big and energetic. It was he who had first cried, “Land!”.

Then Paul, a farmer. You can see him, front and left in the picture, on his knees, one hand against the floor, the other gripping the mast of the raft.

Next is Jim, an animal breeder; he’s the one in the striped pants, kneeling and gazing in the direction of land.

Then there is Harry, an agriculturist, a little on the stout side, seated on a trunk salvaged from the wreck.

And finally Tom, a prospector and a mineralogist; he is the merry fellow standing in the rear of the picture with his hand on the carpenter’s shoulder.

2. A providential island

To our five men, setting foot on land was like returning to life from the grave.

When they had dried and warmed themselves their first impulse was to explore this little island on to which they had been cast, far from civilization.

A quick survey was sufficient to raise their spirit. The island was not a barren rock. True enough, they were the only men on it at the moment. But judging from the herds of semi-domesticated animals they encountered, there must have been men here at some time before them. Jim, the animal breeder, was sure he could completely domesticate them and put them to good service.

Paul found the island’s soil, for the most part, to be quite suitable for cultivation.

Harry discovered some fruit trees which, if properly tended, would give good harvests.

Most important were the large stands of timber embracing many types of wood. Frank, without too much difficulty, would be able to build houses for the little community.

As for Tom, the prospector, well, the rock formations of the island showed signs of rich mineral deposits. Lacking the tools, Tom still felt his ingenuity and initiative could produce metals from the ores.

So each could serve the common good with his special talent. All agreed to call the place Salvation Island. All gave thanks to Providence for the reasonably happy ending to what could have been stark tragedy.

3. True wealth

Here are the men at work.

The carpenter builds houses and makes furniture. At first they find their food where they can. But soon the fields are tilled and seeded, and the farmer has his crops.

As season followed season this island, this heritage of the five men, Salvation Island, became richer and richer.

Its wealth was not that of gold or of paper bank notes, but one of true value; a wealth of food and clothing and shelter, of all the things to meet human needs.

Each man worked at his own trade. Whatever surpluses he might have of his own produce, he exchanged for the surplus products of the others.

Life wasn’t always as smooth and complete as they could have wished it to be. They lacked many of the things to which they had been accustomed in civilization. But their lot could have been a great deal worse.

Besides, all had experienced the depression in Canada. They still remembered the empty bellies side by side with stores crammed with food.

At least, on Salvation Island, they weren’t forced to see the things they needed rot before their eyes. Taxes were unknown here. Nor did they go in constant fear of seizure by the bailiff. They worked hard but at least they could enjoy the fruits of their toil.

So they developed the island, thanking God and hoping for the day of reunion with their families, still in possession of life and health, those two greatest of blessings.

4. A serious inconvenience

Our men often got together to talk over their affairs.

Under the simple economic system which had developed, one thing was beginning to bother then more and more; they had no form of money. Barter, the direct exchange of goods for goods, had its drawbacks. The products to be exchanged were not always at hand when a trade was discussed. For example, wood delivered to the farmer in winter could not be paid for in potatoes until six months later.

Sometimes one man might have an article of considerable size which he wished to exchange for a number of smaller articles produced by different men at different times.

All this complicated business and laid a heavy burden on the memory. With a monetary system, however, each one could sell his products to the others for money. With this money he could buy from the others the things he wanted, when he wished and when they were available.

It was agreed that a system of money would indeed be very convenient. But none of them knew how to set up such a system. They knew how to produce true wealth – goods. But how to produce money, the symbol of this wealth, was something quite beyond them. They were ignorant of the origin of money, and needing it they didn’t know how to produce it. Certainly, many men of education would have been in the same boat; all our governments were in that predicament during the ten years prior to the war. The only thing the country lacked at that time was money, and the governments apparently didn’t know what to do to get it.

5. Arrival of a refugee

One evening, when our boys were sitting on the beach going over their problem for the hundredth time, they suddenly saw approaching a small boat with a solitary man at the oars.

They learned that he was the only survivor of a wreck. His name: Oliver.

Delighted to have a new companion, they provided him with the best that they had, and they took him on an inspection tour of the colony.

“Even though we’re lost and cut off from the rest of the world,” they told him, “we haven’t too much to complain about. The earth and the forest are good to us. We lack only one thing — money. That would make it easier for us to exchange our products.”

“Well, you can thank Providence,” replied Oliver, “because I am a banker, and in no time at all, I’ll set up a system of money guaranteed to satisfy you. Then you’ll have everything that people in civilization have.”

A banker!… A BANKER!… An angel coming down out of the clouds couldn’t have inspired more reverence and respect in our men. For, after all, are we not accustomed, we people in civilization, to genuflect before bankers, those men who control the lifeblood of finance?

6. Civilization’s god

“Mr. Oliver, as our banker, your only occupation on this island will be to look after our money; no manual labour.”

“I shall, like every other banker, carry out to complete satisfaction my task of forging the community’s prosperity.”

“Mr. Oliver, we’re going to build you a house that will be in keeping with your dignity as a banker. But in the meantime, do you mind if we lodge you in the building that we use for our get-togethers?”

“That will suit me, my friends. But first of all, unload the boat. There’s paper and a printing press, complete with ink and type, and there’s a little barrel which I exhort you to treat with the greatest care.”

They unloaded everything. The small barrel aroused intense curiosity in our good fellows.

“This barrel,” Oliver announced, “contains a treasure beyond dreams. It is full of… gold!”

Full of gold! The five all but swooned. The god of civilization here on Salvation Island! The yellow god, always hidden, yet terrible in its power, whose presence or absence or slightest caprice could decide the very fate of all the civilized nations!

“Gold! Mr. Oliver, you are indeed a great banker!”

“Oh august majesty! Oh honorable Oliver! Great high priest of the god, gold! Accept our humble homage, and receive our oaths of fidelity!”

“Yes, my friends, gold enough for a continent. But gold is not for circulation. Gold must be hidden. Gold is the soul of healthy money, and the soul is always invisible. But I’ll explain all that when you receive your first supply of money.”

7. The secret burial

Before they went their separate ways for the night, Oliver asked them one last question.

“How much money will you need to begin with in order to facilitate trading?”

They looked at one another, then deferentially towards the banker. After a bit of calculation, and with the advice of the kindly financier, they decided that $200 each would do.

The men parted, exchanging enthusiastic comments. And in spite of the late hour, they spent most of the night lying awake, their imaginations excited by the picture of gold. It was morning before they slept.

As for Oliver, he wasted not a moment. Fatigue was forgotten in the interests of his future as a banker. By dawn’s first light, he dug a pit into which he rolled the barrel. He then filled it in, transplanting a small shrub to the spot about which he carefully arranged sod. It was well hidden.

Then he went to work with his little press to turn out a thousand $1 bills. Watching the clean new banknotes come from his press, the refugee turned banker thought to himself:

“My! How simple it is to make money. All its value comes from the products it will buy. Without produce, these bills are worthless. My five naive customers don’t realize that. They actually think that this new money derives its value from gold! Their very ignorance makes me their master.”

And as evening drew on, the five came to Oliver — on the run.

8. Who owns the new money?

Five bundles of new banknotes were sitting on the table.

“Before distributing the money,” said the banker, “I would like your attention.

“Now, the basis of all money is gold. And the gold stored away in the vault of my bank is my gold. Consequently, the money is my money. Oh! Don’t look so discouraged. I’m going to lend you this money, and you’re going to use it as you see fit. However, you’ll have to pay interest. Considering that money is scarce here, I don’t think 8% is unreasonable.”

“Oh, that’s quite reasonable, Mr. Oliver.”

“One last point, my friends. Business is business, even between pals. Before you get the money, each of you is going to sign a paper. By it you will bind yourselves to pay both interest and capital under penalty of confiscation of property by me. Oh! This is a mere formality. Your property is of no interest to me. I’m satisfied with money. And I feel sure that I’ll get my money, and that you’ll keep your property.”

“That makes sense, Mr. Oliver. We’re going to work harder than ever in order to pay you back.”

“That’s the spirit. And any time you have a problem, you come and see me. Your banker is your best friend. Now here’s two hundred dollars for each one of you.”

And our five brave fellows went away, their hands full of dollar bills, their heads swimming with the ecstasy of having money.

9. A problem in arithmetic

And so Oliver’s money went into circulation on the island. Trade, simplified by money, doubled. Everybody was happy.

And the banker was always greeted with unfailing respect and gratitude.

But now, let’s see… Why does Tom, the prospector, look so grave as he sits busily figuring with a pencil and paper? It is because Tom, like the others, has signed an agreement to repay Oliver, in one year’s time, the $200 plus $16 interest. But Tom has only a few dollars in his pocket, and the date of payment is near.

For a long time he had wrestled with this problem from his own personal point of view, without success. Finally, he looked at it from the angle of the little community as a whole.

“Taking into consideration everyone on the island as a whole,” he mused, “are we capable of meeting our obligations? Oliver turned out a total of $1000. He’s asking in return $1080. But even if we bring him every dollar bill on the island, we’ll still be $80 short. Nobody made the extra $80. We turn out produce, not dollar bills. So Oliver can take over the entire island, since all the inhabitants together can’t pay him back the total amount of the capital and the interest.

“Even if a few, without any thought for the others, were able to do so, those others would fall. And the turn of the first spared would come eventually. The banker will have everything. We’d better hold a meeting right away and decide what to do about it.”

Tom, with his figures in his hand, had no difficulty in proving the situation. All agreed that they had been duped by the kindly banker. They decided upon a meeting at Oliver’s.

For the rest of the story, click here to find it : http://www.michaeljournal.org/myth2.htm

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