Tag Archives: Financial

These posts are intended to make the reader aware of economic conditions, investment opportunities, or information relevant to saving money.

The Biden Economy – Disaster With a Purpose

Recession ahead - road sign warning concept

During the Trump administration, we all felt like the ‘real’ America was coming back.  “Go MAGA!!”  Hundreds of positive changes were being implemented quickly, and the future was looking brighter every day.  And then 2020 came, and with it came Joe Biden (along with his Marxist ‘advisors’).  It would seem as if the new dark ages had fallen upon us.  Almost every week we saw changes made by the administration that were having a horrendously negative impact on our economy. 

Since, those changes have been collectively demonstrating themselves as a coming disaster.  Lives are being impacted and most families are finding it hard ‘to make ends meet’.  Yet with all of the outcry, it continues to this day.  So, what is going on?

By now you think that you could do a better job than this administration.  After all, no one could make that many ‘mistakes’.  And without obtaining a Masters degree in economics, I believe many logical thinking people who have this country’s best interest in mind could do enormously better!

Then why is the administration making so many ‘mistakes’?  If this continues, we can find ourselves in a recession or worse.  The answer to this question may be that they aren’t mistakes, that they are accomplishing what they have set out to do.

How does one generally create a thriving economy?  By creating jobs (the government does not create jobs, they influence job creation), reducing regulations, lowering taxes (burden), increasing production of goods, and incentivizing corporations to create more new businesses.  Altogether, wealth is created to improve the lives and futures of those in this country – plus, to make an even better future for our kids and grand-kids.

Where does energy play a role in this better approach?  It takes energy – that is, cheap energy – to power industry in America (and at least any successful country).  The industrial revolution required massive amounts of energy to take America from an agricultural age into the future we enjoy(ed).  What does the Biden administration do on day one of his first term?  He crippled the oil industry by: closing down the oil pipeline from Canada; stopped drilling on federal lands; stopped signing permits for any new oil leases; and anything else he could do to cripple the oil industry. 

Shortly after, he ordered that all coal powered facilities be shut-down and ‘destroyed’ ASAP (which is still happening).  (That also included all efficient coal plants.)  And one should ask why electrical power facilities driven by water (natural streams) are under attack considering they are the ‘greenest’ electrical power you can generate!  And to insure that the American public are and shall stay uninformed, dams are being shut down across the U.S. without notoriety. 

So now our country is rapidly going downhill with just these few sources of money and power.  “Wait a minute”, you ask.  What started the inflation that we are dealing with? 

The answer is simple at its core – too much money chasing too few goods.  “Where did the excess money come from?  Biden & Co. of course.  It’s called quantitative easing; aka, printing of money (digitally); aka, pulling a rabbit out of your butt!!? 

Every time we ‘print more money’, we dilute the American dollar.  Here is a brief example to explain.

If say you have 1000 troy tons of gold and it has a very large value, say $10 trillion dollars.  And you printed $10 trillion worth of U.S. dollars (notes).  Then that $10T dollars = $10T gold.  Obvious.

Now if you printed another $10T in currency, what would each dollar be worth? 

(i.e., $10T gold [a fixed amount]/$20T in newly printed dollars – that would mean each U.S. dollar would be worth $0.50.)

Ask yourself: with our debt being $31.4T; our current annual deficit (debt created annually) being $1.2T; and our unfunded liabilities (things we owe someone that we have no money for) being over $100T; what do you think our U.S. dollar would REALLY be worth today?

Answer:  “Not a hell of a lot!” 

Does that help explain why a new car costs what a house did just a few years ago?

And now to add to this enormous, and catastrophic situation, we throw in inflation!  What do you propose that would spell? 

V-E-N-E-Z-U-A-L-A 

You might ask, “Who is supposed to be in charge of this subject within the federal government?”  That would be congress, except for the fact they gave up that ‘constitutionally assigned task’ and allowed it to be assumed by the executive branch!  And who would that be?  Biden & Co., of course. 

Think of any decision that the executive branch has implemented in the last two and a half years and ask yourself, “Is it possible that they have a different agenda than us?”  You bet. 

But let us be charitable.  Joe Biden may be ‘running’ this country, but to a 10% degree at best.  It should be obvious by now that he has some of the most radical Marxists behind him ‘reminding him’ of what his current decision is and what’s next.  This is not a string of mistakes; it is a list of positioning moves. 

If we were playing chess, we’d just have a king, and at best a pawn left on the board.

I’ve said it before, but I submit this article to drive home the truth and update my many times I have repeated the statement, “Their objective is to destroy the American economy and subsequently destroy the country”.  Why?  To allow the ‘one world government’ to take over the decisions of ALL countries in the world.  And we are #1 on the list to destroy.  Because as America goes, so goes the world.  We have been the world leaders for almost 250 years.  Or at least we were.

For the sake of brevity, I didn’t go into the shortages we’ve had recently.  e.g., thousands of chickens burned to death in mysterious fires; thousands of cattle which also died in unknown source fires; etc.  All of which wreaked of terrorism occurring on U.S. soil without any media fanfare. 

Preparation Suggestion:  Get out of debt, prepare for the worst, pray for forgiveness, and ask for divine help.  Because what’s coming will be MUCH worse than 2008-2009.  Think 1930’s…  not tomorrow, but very soon.

For more statistics and good reading regarding our economy, please see the following newsletter from Hillsdale College.

Hillsdale College Newsletter


PLEASE forward this article to those you know.  My articles are not searchable via Google since they have ‘cancelled me’.  Which, is a badge of honor I accept.  Especially since there’s nothing I can do about it… 

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America Under Fire – Inside and Out – Part I

USSA Flag

For the reader:

Please give some thought to the questions in this article.  Consider your view.  I typically analyze data by a ‘connecting the dots’ process through observation and considerable evaluation.  I hope you see the ‘sense’ I am making out of the ‘nonsense’ we hear daily from the media.

Phase II of the ‘Fundamental Transformation’

Phase II because Barack Hussein Obama jump started in 2008 what we are experiencing today!

Since the election of Joe Biden, we have seen numerous changes made in our country starting on the first day of his presidency.  Of all the changes made since then, how many do you remember that were advantageous to America?  Or maybe even good for you?

One must ask oneself; how could an administration be so incompetent?  One answer is that incompetency isn’t the issue.  Consider the idea that everything that has happened in the last two years was carefully planned.

You see, the trick to ‘unwinding’ the mess that the administration has created is to start with their objective – what is it?  Next, the targets of these actions need to be identified by ‘category’.  e.g., economy, employment, immigration, etc.

If you read any of the hundreds of articles on my website, it quickly becomes clear that I have been writing about communist activity in America since 2014.  A great place to start is to do a Google search for ‘communist goals America’.  (If you do, you will find the following document link pointing to the January 10th, 1963 congressional library appendix pages A34 and A35.)

Communist Goals for America

Focus on goal #15 – ‘Capture one or both of the political parties in the United States.’

Although we witness a lot of ‘mudslinging’ in congress, we ultimately see both parties feckless.   The result is we typically get the short end of the stick on almost every topic or issue presented to this corrupt group of alleged ‘representatives’.  Could it be that the communists in America have in fact infiltrated the government’s House and Senate?  Would that not, for example, explain the recent disastrous two years we’ve endured so far?  Do you expect any changes to this process in the near future?  Do you see democrats changing their strategy?  Or the republicans?

We are constantly watching a kabuki show of clowns (aka, representatives) who are playing us for fools, while doing what is good for them.  Isn’t it ironic that these people get elected to office with moderate incomes and personal budgets?  Later they own multiple homes with millions of dollars in the bank.  It’s hard not to believe that at least some of the bad decisions they are making (voting) are being done on ‘purpose’!

Consider reading this article – The Sinking of America — The Afghanistan Debacle – and then ask yourself if I make the case for that action being done on purpose, and not in error.  Then consider the things we are experiencing today.  How can any reasonable person not conclude that this is all part of a larger plan?

That ‘exit’ was anything but a well–planned exit.  It was a debacle from the initial planning stages.  And don’t be fooled by the lies told to you today.  The vast majority of American and Afghan people were spirited out of the country by private NGOs with horrendous opposition from the State department.  Their plan was to trap Americans and friendly Afghan military supporters in country with the Taliban lurking close by.  Too hard to believe?  Consider checking out Glenn Beck’s Mercury One organization.  They are the ones who saved literally thousands of lives over several weeks of fighting our own government – the State department!

What is the Big plan?  Destroy America!  (As we know it.)

What are the things that the current administration has been attacking since taking over the presidency?

  • Actively making the constitution irrelevant by ignoring and violating it since day one (passing executive order in direct violation of the constitution).
  • Supporting the making of laws in many cities irrelevant by downgrading crimes, not requiring bail, and criminalizing innocent
  • Influencing corporations, organizations, and points of power for the purpose of devaluing the country’s morals and values.
  • Incessantly trying to disrupt the social order with the intent of bringing chaos in larger cities.
  • Doing everything possible to destroy our economy starting with killing our oil production and oil reserves.
  • They have actively and aggressively made our military a shadow of what it once was, and our security is the worst it has been decades.
  • And now they are supporting surgical procedures on our children to alter their sex – with the intent of supporting their dysphoria!
  • And many more …

All of this (and more) says their objective is to weaken America to a point where we reach critical mass – the Left would then turn us into, not the USSR, but the USSA or the ‘United Socialist States of America’.  Although we are already effectively a socialist state, they are now trying to grab control of resources and means of production – to insure we become a communist state.

What are their short-term objectives?  (18 months)

Destroy Donald Trump and then Ron De Santis.  Both of these men are a threat to the Left’s game plan and could seriously delay their ultimate goal.  Because they are so close to that goal, they will become more like rats in a corner and strike out even more viciously in the immediate future.  When did you think you would ever see Americans incarcerated in federal prisons without judicial review or charge?  Does that not at least sound like an administrative state?  Or potentially a totalitarian government?

We see the administration actively destroying the American dollar and economy.  Why would anyone do such a thing – intentionally?  The obvious conclusion is to gain power and control.  (Which is a common objective of many elites.)  The reason for this action is in line with the major objective of the Left – American domination (serfdom) and loss of world power.  Why?  Because America stands in the way of “The Great Reset”, which translated, means converting the world into a communist state – and potentially returning the entire world into a state of serfdom.

For what reason?  To have most wealth in the hands of the world’s elites and the remainder of the world’s population owning ‘nothing’.  i.e., The road to serfdom!  (This all fits the intent of the recent quote from the World Economic Forum – “You will own nothing and be happy.”

You are already seeing activity (discussed earlier) destroying the petro-dollar and other American riches.  But soon we are about to see the next phase of this process – the implementation of FEDNOW.  This is a banking computer system intended for primarily smaller banks in America.  The following is a brief explanation of this system and the CBDC.

When computer systems are designed, they are often broken up into ‘functional’ elements of a greater system.  The typical rationale for this approach is to address load distribution (on computers) and system performance.  Trying to create a computer system that will handle transaction rates coming at blinding speeds from all over the country and/or world would impact system reliability and performance.  The modular approach distributes load to multiple systems and/or platforms which creates that reliability and performance.

FEDNOW is one of those functions which is available for banks in the U.S.  The marketing plan is to address the need for speed with the smaller banks.  Currently, money transactions take too long, often due to manual intervention.  FEDNOW automates this transaction process and is seen by the smaller (retail) banks as a means to serve their customers faster with 24 hour by seven-day availability. No more closing for the weekend!  Why close, the banks have laid off the employees.  TV commercials are being presented to the public…  NOW!

Don’t believe them if they tell you this has nothing to do with digital currency.

Next, we will see the implementation of the Central Bank Digital Currency (CBDC), which by the way has been in beta test for over a year on the east coast!  Four of the leading banks have been using it for that long with ‘live’ transactions.  It is my estimate that CBDC will be available within the next 18 months – or sooner.

The question you have in mind may be, “Why would we need this new digital currency?”  This is a huge topic, so to be brief, it gives the federal government the ability to track every dollar that you receive and spend – a scary thought.  But wait, there’s more!

Another part of money control is: Environment, Social, and Governance (ESG).  The purpose of ESG is to have a ‘scoring system’ similar to the communist Chinese.  With this control, the government can manipulate the public.  By using ESG with the CBDC, it allows the feds to control all money and your spending (how much you spend, on what, etc.).  Which allows them to control not only the economy, but the people.

Our government has been controlling our economy for years – keeping interest rates low for the rich to get money cheaply, which is one reason why we are fighting a recession and inflation today.  With the control of spending and the ability to control lending rates, they can and will control the economy even tighter than they do today.  And if your ESG score is low enough, you might find yourself with no food, home, etc.

Put all of that together with the continued dilution of our constitution and bill of rights; the printing of money in the ‘trillions’ eroding the value of our dollars; combined with the further erosion of our electoral process; you should see how they can quickly create an environment for an American dictatorship!  So much for democracy.

Long-Term objective (2-6 years)

The Left’s key objective is to ‘flip’ America from being the USA, to not the USSR, but to the USSA (United Socialist States of America).  Once they have implemented the last phase of their plan, they will have collected enough power and control to be able to do almost anything.  And if the government takes power, it typically comes from ‘the people’.  The only way we got power back from ‘the government’ in the past was to take it back – meaning the war with the British.

The question is, if all of the above were to be accomplished, who or what could turn this objective around?  For that answer, and for the sake of brevity, you will need to read part two of this article.  In part two I will point out further issues that we may face of equal or even bigger impact.  But on a positive note, I will state some ideas on how America can become the country we once knew.

To be continued… 

Stay tuned, turn back to God, pray for forgiveness and help for America – for we are not fighting man, but evil.  I am not suggesting that America is evil, but that many of the actions mentioned here are evil.

If you haven’t seen evil in this country by now, look around.  Because today evil is everywhere!  Trust me, you shouldn’t have to look far.


Feel free to comment on this article or any others posted, because your suggestions are welcomed.  If you are not reading this article from an email, click on the title of the article; Scroll to the bottom of it; and enter  your comments into the box after the words “LEAVE A REPLY”.

If you wish to receive notices whenever a new article is released, merely click on the word FOLLOW (generally on the right) and then enter your email address.  New articles come out immediately after their posting.  And do not be concerned about being flooded with mail.  Only one or two posts are entered per week — AT MOST.

Job Losses in America

The following article comes from the Heritage Foundation regarding Oreo cookies.  We in the U.S. are facing a loss of jobs not seen for over 40 years.  Yet, those running this government refuse to take responsible action.  The only way the public hears of such outsourcing actions is via underground news, typically found on the internet.  However there are some companies outsourcing work outside the U.S. daily and no one knows — by intent.

For example, IBM has reduced its workforce within the U.S. by well over 75% since 1993!!  Yet no one knows.?  It’s no wonder we have so many people looking for jobs worth having..!  Our manufacturing jobs and clothing industry went out of the country, but the promise was that new technology jobs would be available with much higher salaries!!!?  Hmmm…  things don’t always seem to work out the way we’re told..?  But hey, you can still get a job at Burger King or MacDonald’s!?  I think.?


The Daily Signal

by:  Bryan Riley / @BryanGeneRiley — August 18, 2015

The manufacturer of Oreo cookies recently announced plans to move production of Oreos from Chicago to Mexico, resulting in a loss of 600 U.S. jobs.  This should be a wake-up call to defenders of the U.S. sugar program and other job-destroying trade barriers.

The leading ingredient in Oreos is sugar, and U.S. trade barriers currently require Americans to pay twice the average world prices for sugar.  Sugar-using industries now have a big incentive to relocate from the United States to countries where access to their primary ingredient is not restricted. If the government wants people making Oreo cookies and similar products to keep their jobs, a logical starting point would be to eliminate the U.S. sugar program, including barriers to imported sugar.

This obvious connection between the lost jobs and sugar quotas was missed by many observers. According to one online commenter: “This is why tariff[s] on products coming to U.S must be raised.”  That’s backwards. When protectionist policies like the U.S. sugar program lead to offshoring, the response shouldn’t be to pass new laws to discourage such offshoring or to raise tariffs even higher. The response should be to eliminate government policies that encourage offshoring in the first place.

The loss of Oreo cookie jobs should reinforce a lesson on the job-destroying aspect of protectionist trade policies.  According to a 2006 report from the government’s International Trade Administration: “Chicago, one of the largest U.S. cities for confectionery manufacturing, has lost nearly one-third of its SCP manufacturing jobs over the last 13 years. These losses are attributed, in part, to high U.S. sugar prices.”

That lesson appears to be lost on unions that are supposed to represent the workers losing their jobs in Chicago.  For example, The Bakery, Confectionery, Tobacco Workers and Grain Millers Union consistently has opposed free trade agreements with sugar-producing countries like Australia, Brazil, and Mexico—the kind of trade deals that just might protect their members’ jobs.

So that’s how the cookie crumbles.

Source — Heritage Foundation

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The Wall Street Titanic and You

So, as Dirty Harry once said, “Do you feel lucky punk?”  Which I believe pretty much sums up our investing in the stock market at this point.  Volatility has been substantial over recent years, but I don’t think we’re done yet with that problem in investing.  Receiving several financial alerts, the drums seem to be telling me that we are headed into choppy waters.  The following is just one example — which is one of the milder ones.  My point being, we should all be cautious with investing currently.

The following article was particularly of interest as the author created some somewhat eye-popping charts worth viewing.


The Wall Street Titanic and You

“I would highlight that equity market valuations at this point generally are quite high.”

—Janet Yellen

Are you worried about the stock market? If you are, you’re in the minority of investors.

Greece… China… don’t worry about it!

At least that seems to be Wall Street’s reaction to what could have been a catastrophic fall of dominoes if the European and Chinese governments hadn’t come to the rescue with another massive monetary intervention.

If you think you’ve heard the last about Greece or a Chinese stock market meltdown, you’re in the majority. Investors are pretty darn confident about the stock market.

The John Hancock Investor Sentiment Index hit +29 in the second quarter, the highest reading since the inception of the index in January of 2011.

However, overconfidence is dangerous and often accompanies market tops.

If you listen to the hear-no-evil cheerleaders on Wall Street and CNBC, you might be inclined to think the bull market will last a couple more decades, but we haven’t had a major correction since 2011, and the Nasdaq hit an all-time high last week.

Investors are so enthusiastic that the exuberance is spilling beyond stock certificates to the high-brow world of collectible art.

Investment gamblers are shopping up art in record droves. In the last major art auction, prices for collectible art reached all-time highs, and somebody with more money than brains paid $32.8 million for an Andy Warhol painting of a $1 bill.

Who says a dollar doesn’t buy what it used to?

I’m not saying that a new bear market will start tomorrow morning, but I’m suggesting that bear markets hurt more and last longer than most investors realize.

The reality is that bear markets historically occur about every four and a half to five years, which means we are overdue. And the average loss during a bear market is a whopping 38%. Ouch!

On average, a bear market lasts about two and a half years… but averages can be misleading.

In the 1973-74 bear market, investors had to wait seven and a half years to get back to even. In the 2000-02 bear market, investors didn’t break even until 2007.

Unless you, too, have drunk the Wall Street Kool Aid, you should have some type of emergency back-up plan for the next bear market. There are three basic options:

Option #1: Do nothing, get clobbered, and wait between two and a half and 10 years to get your money back. Most people think they can ride out bear markets, but the reality is that most investors—professional and individual alike—panic and sell when the pain gets too severe.

Option #2: Have some sort of defensive selling strategy in place to avoid the big downturns. That could be some type of simple moving-average selling discipline or a more complex technical analysis. At minimum, I highly recommend the use of stop losses.

Option #3: Buy some portfolio insurance with put options or inverse ETFs. That’s exactly what my Rational Bear subscribers are doing, and I expect those bear market bets to pay off in a big, big way.

Whether it is next week, next month, or next year—a bear market for US stocks is coming, and I hope you’ll have a strategy in place to protect yourself.

If you’d like to hear what worries me most about the stock market, here is a link to an interview I did last week with old friend and market watchdog Gary Halbert.

IBM Layoffs — The Rest of the Story

The grand old typewriter company has grown over several decades into a huge corporation employing 100’s of thousands of people all over the world.  Before the 90’s IBM was a ‘full employment’ company — you get hired, you’re there for the duration.  But around 1993 that all changed…

With the hiring of Lou Gershner (aka, the hatchet man), IBM decided to trim down a bit.  Having 400,000 employees world wide, one can fairly assume there was some ‘fat’ in the company.  So, they dumped 150,000 people!  As a result, the stock price jumped and the company looked good!  Ultimately however (over several years) they hired people back into the company and they were back up to 400,000 world wide.

Ah, but wait, there’s the rest of the story.  At that time IBM had 250,000 employees inside the U.S. and 150K in other countries.  Until recently (this year), they had 400K again.  But, the employees within the U.S. is now closer to 60,000!!  Why?  Because they can get Russian programmers as an example for 1/4th the cost of an American.  The Indians for 1/8th.  And the Chinese for even less!!  Of course we don’t care about ‘quality’ any longer.?

What is stunning is the fact that IBM refuses to report their layoffs per government order.  And to help hide their actions, they layoff a few at a time so as to not bring attention to themselves.  And from what I hear, they are significantly reducing their ‘sales’ workforce..?  I’m not sure how that works?  But then I’m not a ‘gifted’ corporate executive…

What’s your point you ask?  My point is simply this.  If America is going to reignite this country’s GDP, we’re going to need to start ‘producing something’, a LOT of somethings.  Consuming products does not make for a healthy economy.  Making things does.  It’ll be interesting to see where IBM ends up.??

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ObamaCare Imact — On Economy and Companies

Everyone knows that ObamaCare has been implemented, right?  Well, not quite.  Our ‘leader’ sold us on the idea it was to be totally implemented by 2014.  But, on second thought, his administration determined that if it was totally implemented now it would negatively impact the U.S. economy and cause things to be ugly on his watch.  Consequently he postponed full implementation until 2017 — after he is gone.  (Let Hillary handle it!!?)  :-)

Well, starting this year the Affordable Care Act (ACA) is starting to really take effect.  Toward the end of 2016 it will kick in completely.  Then wait and see what happens..?  My point?  We should be preparing for hard economic times in the immediate future.  If you’re not saving now, get to it.  My estimation is that corporate America will be dropping employees faster than during the previous two years.  Already the economy is slowing, but I believe it will really start to stall around the end of this year.  But hey, that’s just my guess.

The following is an article with real case evidence demonstrating how the ACA is impacting our economy now.  Put this together with my previous article on companies shutting down stores, and it is an indicator of things to come.

ACA Impact — Now!

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America of Tomorrow?

Our country was founded by tough, hard working individuals who came here because they were repressed and unable to ‘get ahead’ in Europe.  They endured hardship as a matter of every day life.  Today, we (too many of us) Americans have gotten soft and lazy, are unwilling to ‘work’ for a living, much less sacrifice.

My question to you is, how hard do you work and how much money do you make (after taxes) per year?  A lot?  No?  Well maybe you should use the new ‘modern’ way of making a living.  I know the numbers below sound crazy, but they aren’t.  You might ask yourself how it is that we’re $18T+ in debt?

How to be supported with government benefits for you and your girlfriend (family).

1. Don’t marry the girlfriend.
2. Use your mom’s address to get your mail.
3. The guy buys a house.
4. Guy rents out house to his girl girlfriend who has 2 of his kids.
5. Section 8 will pay 900 a month for a 3 bedroom home.
6. Girlfriend signs up for Obamacare so guy doesn’t have to pay for family insurance.
7. Girlfriend gets to go to college for free being a single mother.
8. Girlfriend gets 600 a month for food stamps.
9. Girlfriend gets free cell phone.
10. Girlfriend get free utilities.
11. Guy later moves into home but uses mom’s house to get mail.
12. Girlfriend claims one kid and guy claims one kid on taxes. Now you both get to claim head of house hold at $1800 credit.
13. Girlfriend gets disability for being “crazy” or having a “bad back” at $1800 a month and never has to work again.

How does this all add up you ask?

21600 disability +
10800 free housing +
6000 free Obamacare +
6000 free food +
4800 free utilities +
6000 cell grant money to spend +
12000 a year in college tuition free from Pell grant +
8800 tax benefit for being a single mother =
———
Total:  $75,000 PER YEAR in benefits?

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