Archive for the ‘Biblical Economics & Money’ Category

What do you expect?

Friday, September 12th, 2014

All of the current systems in place (political, economic, religious) are based on man’s carnal intent.  The old man seeks to control and dominate others whether it be by use of emotion, physical power, mental power, or monetary restriction.  The old man seeks to place everyone into bondage and submission.  On the economic front, this is done by which currencies are acceptable and your access to them, even if you have claim to a portion.

A bank holiday is designed to restrict you from your money.

Credit and debit cards are designed to exert control over you in a moment’s notice, no matter where you are at.

Online banking is convenient until you don’t have access via the Internet.

Your money in the bank is not yours, it is a claim.

Stocks in your brokerage account are not yours unless physical certificates are issued in your name, otherwise you only have a claim.

Martial law is designed to restrict your movements.

Border control is designed to keep you in or out whichever the case may be… even if you are a citizen.

Legislation against enemies of the state is now broad enough to circumvent any personal rights.

The simple reality is this: the guy with the gun, the badge, and the prison is the Law.  How are we to respond?  Live peaceably and know that in the end Our Heavenly Father will prevail over man’s carnal systems.  In the meantime, pay your taxes, abide by the law, and be above reproach knowing that the system will only get worse and lawlessness will increase as the Sons are being prepared.  Don’t let your emotions get the best of you but focus on the Word of Father to sustain you as things get dicey out there.  As we are led by the Spirit, HE will navigate us through and protects us from the prevailing lawlessness.  Don’t expect the current system to get fixed.  The train is moving rapidly toward the cliff and the only real solution is found in Heavenly Places.  That is where we must place our trust.  When will the dung hit the fan?  Father knows, everyone else is simply guessing.

Obama Commits US to War against Russia in Defense of Baltic States

Monday, September 8th, 2014

At a joint press conference September 3 with Estonian President Toomas Hendrik Ilves, Obama declared, “So I’ve come here, first and foremost, to reaffirm the commitment of the United States to the security of Estonia. As NATO allies, we have Article 5 duties to our collective defense. That is a commitment that is unbreakable. It is unwavering. It is eternal.”


There is a provocation to pull Putin into war by placing NATO forces on Russia’s border.  Coincidentally, the BRICS countries are in the midst of moving away from the US Dollar for payment settlement of oil & gas.  Iran, Iraq, and Libya all attempted the same strategy.  Will the western response be any different this time?

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The Two-Edged Sword of Leverage

Saturday, August 30th, 2014

Financial leverage is using borrowed capital (money) for an investment, expecting the profits made to be greater than the interest payable.  The most common instrument of leverage for most of us is the mortgage note.  We expect to buy a house with a mortgage, pay interest, and at some point in the future sell the house for more money and benefit from the tax breaks.  We are told by the experts that these benefits will far exceed the cost of interest expense as well as upkeep.  On the other hand, renters do not participate in leverage.  They simply pay each month for the right to live in the dwelling.  The risk of investment is placed on the owner.

The Federal Reserve perpetuates the path of inflation by increasing the money supply.  This supports those who use leverage in their investments.  In the past, leverage was held at bay by the lender’s restriction of loan to equity ratio.  How much money does the borrower have at risk as a percentage of the entire investment?  Historically a 20% down payment was preferred.  This meant that your leverage was 5 to 1.  A 5% down payment meant your leverage ratio was 20 to 1.  High leverage meant that borrowers must pay mortgage insurance added to their monthly payment to insure the borrower against losses.  As long as house prices continued to climb, everyone was happy.

What happens when real estate prices begin to drop due to lower demand?  Suddenly you owe more on the house than it is worth.  You are now paying interest on “nothing”.  In the last real estate bust, many just left the keys and walked away from the loss.  They lost their perceived equity but were no longer paying for something of less value.  When enough people do this, the lender becomes insolvent because the lender also utilized leverage to loan the money.  If the lender is a bank, the money lent may have been depositor money, assumed to be stable deposits.  The system has been based on the perception of stability.  The lender looks for stable and reliable borrowers.  Depositors look for stable and reliable banks.  You get the picture.

Relaxing lending requirements allows the leverage ratio to increase thus increasing the overall risk to the lender or investor.  The Regulator’s job is to insure prudence in this area.  Guidelines are established to protect the parties in question.  However, Bill Clinton wanted more people buying houses so he pressured the regulators to allow greater leverage ratios and at the same time virtually eliminated the creditworthiness requirements of borrowers.  The “no money down” loans began to spring up.  “No income required” loans also came into the picture.  The large banks were given a blank check to invest in anything that would stimulate the economy.

The current leverage ratio of paper gold investment to the actual physical metal is reported as being about 100 to 1.  For every one ounce of gold there are 100 ounces of paper claims against it.  This is one aspect of the “derivative” bubble we are now in.  Once people decide to demand physical gold for their paper, the price of gold will skyrocket.  This happens when the investor decides to de-leverage and reduce his “paper” exposure.

What would happen if all investors decided to move to cash and out of their leveraged paper investments?  A massive implosion.  If you hold a claim on an asset, that does not necessarily mean you really own the asset.  This is actually true of your money in the bank.  They are not actually holding your particular cash in a box for you, you hold a claim to an asset.  You are an unsecured creditor of the bank.  If things go too badly, you may not receive all your money back.  If you too are leveraged, you may get stuck in the middle of an implosion.

Seek Our Heavenly Father on your particular situation.  HE is the only One who is certain about the future.  For everyone else there are three questions due to uncertainty:

1.  When will the current unsustainable path of leverage implode?

2.  What will the chaos be like?

3.  How do I position myself for the chaos and the resulting system?

If each of us places our trust in Our Heavenly  Father and follow HIS Wisdom, we will do just fine for HE will navigate us through the muck and mire.  Those that don’t will suffer.

“The Russian Aggression Prevention Act” (RAPA)

Tuesday, August 26th, 2014

The war drums appear to be getting louder:

My $10 Bowl of Oatmeal

Friday, August 22nd, 2014

Is there anyone who believes in the low inflation numbers being touted by the  government?  On our recent trip to the Seattle area, we wanted to take in the sights.  From Pike’s Market in downtown Seattle to Snoqualmie Falls, 30 minutes east of Seattle, the attractions were packed.  My cousin was our tour guide for the Snoqualmie Falls trek.  She made a reservation at Salish Lodge to have a late breakfast at Salish Lodge, known for their steel oats.  How  much could a bowl of oatmeal cost?  I found out and the waiter didn’t even apologize.  I thought to myself “Does this include a souvenir as well?”.

Real estate prices continue to soar as retail chains continue to downsize.  The stores at Pike’s Market were crowded but not that many people appeared to be buyers, most were just lookers.  Starbuck’s first store (circa 1971) was packed.  Very few people were buying the high-priced fish at the market.  Gasoline hovered at $3.90 per gallon.  All is not good on the economic front.’s inflation rate of 9.7% is much more accurate than the headline inflation rate of 1.9% put out by the government.  I’m not sure what planet they report from.

The retail sector continues its decline.  They are heavily discounting, attempting to get some traffic.  Dollar stores are merging which is not a good sign.  More and more dollar menus are cropping up and restaurant chains are heavily marketing “dinner for two” deals.  The following graph provides the real story of where the U.S. economy is at:



China’s industrial output has been showing weakness as well.  Germany has shown signs of contraction.  The cheap money has helped the top 1% but has left the middle class behind.  The U.S. economic engine has just about sputtered out.  When this happens, the central planners try to put us into another war.  All the signs point to chaos ahead.  Love is the only answer to the current woes and at some point people will wake up and smell the flowers.  In the meantime, deleverage and simplify.  Don’t let “stuff” rule your day.

Economic Update

Wednesday, August 13th, 2014

It is well know that agents of the Federal Reserve have been using the gold paper market to manage the price of physical gold.  The current market is as managed as it can get.  Large publicly traded companies are buying up their own stock thus reducing their outstanding shares.  Why?  They can borrow and use tax benefits that take their costs lower than dividend costs.  By reducing outstanding stock, their stock price rises in response.  This makes the market look stronger and individuals focus on the “wealth effect” of their portfolios thinking that all is good.  The problem is until you sell, you have no true profit from your investment.

Employment participation in the U.S. is in depression mode.  The current environment somewhat masks this reality because of the more complex infrastructure than that of the 1930’s.  The 23% unemployment rate reported by properly reflects the low employment participation rate.

Currently, silver is lagging behind gold in market pricing.  I expect the silver/gold ratio to move back in line to the historic 16/1 as overprinting of fiat currencies around the world escalates. 

Europe is moving toward winter and they know that Russia holds the energy card and this is why they have not rallied behind the U.S in its foreign policy against Russia concerning the Ukraine.  The U.S. has been preparing for war in response to the economic doldrums as it has in the past.  The average American is tired of war so there must be some compelling reason to return to a major conflict.  Surely another 9/11 event won’t occur causing a major shift in public sentiment.

The 2008 banking crisis of major banks in the U.S. was not resolved.  Those banks have further concentrated power and leverage since then.  One major unexpected event can take the entire system down as it nearly did in 2008.  Every bank in the U.S. is connected by the overnight investing of Fed Funds and interbank processing of commercial and consumer transactions.  No bank in the system is totally immune to a banking crisis.  If a banking crisis occurs, a bank “holiday” is as likely now as it was in 2008.  It never hurts to have a little extra cash in the cookie jar in case such an event happens.

The global economy is in uncharted waters.  China and Russia know this and that is why they continue to increase their gold holdings.  They are paying close attention to world economic history and its lessons.  Maybe you should too.

Economic Recovery?

Wednesday, August 6th, 2014


This is the U.S. Labor Participation Rate


This is another confirmation of John Williams’ statistics.

Economy Remains in Serious Trouble

Saturday, August 2nd, 2014


From John Williams at :

- Minimally Weaker-Than-Consensus Labor Numbers— Unremarkable Except for the Regular, Horrendous Reporting Quality
- July Unemployment: 6.2% (U.3), 12.2% (U.6), 23.2% (ShadowStats)
- Real Construction Spending—Stagnation with a Recent Downside Bias
- Economy Remains in Serious Trouble


What this tells us is that the mainstream media keeps misleading the public.  Of course they are the messengers.  Those in power know that perception keeps people spending beyond their means, also known as leverage.  In an earlier post I mentioned that one of the blessings is being a lender, not a borrower.  Think about it.  Retire your current debt as quickly as possible and if and when things get dicey, you are not desperate.  Instead, you may be raised as a standard for others to be encouraged through.  This is one aspect of Loving your neighbor.  To be lawful, a borrower should satisfy his debt, not default on it.  If you lent money to someone who agreed to repay you, would you want them to keep their word?  What fruit are we sowing for inspection?

The Power to Get Wealth

Saturday, August 2nd, 2014

Deuteronomy 8:18  “And you shall remember the LORD your God, for it is He who gives you power to get wealth, that He may establish His covenant which He swore to your fathers, as it is this day.  NKJV

The purpose of wealth is to establish Our Heavenly Father’s Covenant on earth.  Any other purpose is an abuse and will ultimately be tied to some form of judgment.  Men who have attained the wealth of this world often mistakenly assume that they are gifted and entitled to the wealth.  In reality, they are simply chosen vessels to “park” the wealth until Our Heavenly Father needs it for HIS purpose.  They are stewards.  When they die, they take nothing with them except whatever fruit they produced in their life.  The fruit or works will be judged.

:19  “Then it shall be, if you by any means forget the LORD your God, and follow other gods, and serve them and worship them, I testify against you this day that you shall surely perish.

If you believe your own ability resulted in the attainment of wealth, you shall surely perish.  If you Love your neighbor and your enemies, then you will want resources to help the weaker in their time of need.  Isn’t this what Jesus did when He fed the five thousand?  If you were to receive a windfall of profit from an investment, what would be your priorities?  If you already have a list then you probably need to reassess it.  Shouldn’t you wait until you receive the wealth and then seek Our Heavenly Father what HE wants done with the funds?  We should focus on the here and now rather than the future:

Matthew 6:11  Give us this day our daily bread.

Bread represents HIS Word for us for today and each day, HE gives me a Word to focus on.  I bring this Word to you as instructed.  Those with wisdom will correct their thinking as they ponder what HE is saying today.  As I mature in HIM, I view wealth differently than I did when HE first spoke to me about wealth and riches.  HE has made it quite clear that it is HE that has the power to get wealth and HE can remove it just as fast as I receive it.

Most people hoard their wealth because they don’t really trust Our Heavenly Father to provide for them in the future.  Further, they don’t believe that Our Heavenly Father will provide for their children and grandchildren.  I have seen many heirs go astray once they have received their inheritance.  You cannot mandate righteousness by inheritance restrictions.  People who can’t handle wealth today will simply consume their inheritance in the same manner.  If you aren’t a good steward over a little, you won’t be any better with a lot.

A cheerful giver will be given more to steward.  They are tapping into the Law of Abundance.  It is counterintuitive to man’s thinking.  Why?  Because he believes in the Law of Scarcity which has at its roots, fear.

Deuteronomy 28:12   “The LORD will open to you His good treasure, the heavens, to give the rain to your land in its season, and to bless all the work of your hand. You shall lend to many nations, but you shall not borrow.  NKJV

The above promise is given to those who focus on establishing HIS Covenant on earth.  Jesus clearly established that we should expect resources in the model prayer He gave the disciples:

Matthew 6:9

​​Our Father in heaven,

​​Hallowed be Your name.

10 ​​Your kingdom come.

​​Your will be done

​​On earth as it is in heaven.

We do not need to escape the earth by being raptured away.  We need to focus on establishing HIS Kingdom on earth as vessels of honor, as conduits of HIS resources.  We should expect wealth, strength, and courage to come our way as we truly focus on HIS plan for wealth needed  to fully establish HIS Kingdom.

Response to a Financial Question

Thursday, July 31st, 2014

I have been asked by several to provide counsel concerning the acquiring of a windfall of wealth.  In the past, I would have focused on various instruments, laws, favorable jurisdictions, etc.  Today it is different, my response to the latest well thought out request:

The fundamental issue with all assumptions of the current system is that there is absolutely no guarantee that any bank or any instrument will survive a major black swan event, no matter what their history would suggest.  The Hunt brothers got a taste of that reality when they cornered the silver market.  A law was passed to retroactively make what they had done illegal. 

All banks are connected so no bank can be deemed to be totally safe.

Physical assets such as land, gold, and silver are the best means of preserving wealth in the coming chaos.  No matter what jurisdiction you are in, even those assets can be taken away by the ones who have a badge, gun, and a prison.  Lawfulness is optional to them.

All assumptions and conclusions based on past performance no longer apply in my belief.  The U.S. wants another world war and if this comes to pass, there will be no safe jurisdiction.  So, what are we to do?

I believe that it is imperative that we get the needed revelation from Above in how to maneuver during the coming events.  Only then will we know what to do, where to go, and what means to operate from.  That is the only solution I see at this point.  Ten years ago while I was spending much time in Switzerland and other locales, I became aware of many paths as you have mentioned in your post.  I now see weaknesses in all of them.

My focus and resources are now placed in attaining to a higher level of spiritual understanding.  I believe there are mysteries to unlock that will answer all of your questions.  However, they have not yet been revealed. 

Those mysteries are part of the treasures stored in the Treasury of Heaven.  They will only be distributed to further the Kingdom at the appointed time.