PRINCIPLES of FINANCE

 Proverbs 12:24

King James Version

24 The hand of the diligent shall bear rule: 

but the slothful shall be under tribute.

He calls himself a "geek".

But this gentleman geek explains finance pretty well.

In ways no one has ever explained to me before.

"James G. Rickards is an American lawyer, investment banker, media commentator, and author on matters of finance and precious metals."

-- Wikipedia

For a non-finance person like myself, I can appreciate the clarity Rickards delivers.

He makes the complex, plain.

As you will see from a 19-minute video we will share below.

Wherein he reveals where America is today.

And where other countries could be, too.

Affecting everyone's finances as well.

The principles he reveals are sound.

Almost common-sense.

Consider this the shortest course on finance.

Whether government finance, or personal finance.

And the shortest course that tells how America got off-course.

Especially with the current government at the helm.

And the particular monetary policy they've adopted.

Perhaps, it's time for the "trump" card.

Before it's too late.

Click this video now.

Related material:

What America NEEDS

AMERICA in DANGER

The DAY I KNEW

Government Debt

Deflation

GDP

CONFUSED about FINANCE?

 

1 John 2:15-17

King James Version

15 Love not the world, 

neither the things that are in the world. 

If any man love the world, 

the love of the Father is not in him.

16 For all that is in the world, 

the lust of the flesh, 

and the lust of the eyes, 

and the pride of life, 

is not of the Father, but is of the world.

17 And the world passeth away, 

and the lust thereof: 

but he that doeth the will of God 

abideth for ever.

Couldn't figure out finance?

Don't worry, no one else could, either.

If they did, there'd be no inflation.

There'd be no bankruptcy of famed institutions.

There'd be no shamed executives.

But if you want to have an idea how the world is, what runs the world, the plans of the elite, and the challenges for the masses, check the links below.

You'll find a wealth of info.

Through books, videos, and articles.

2022 articles

2023 articles

2024 articles

Corporations

Currency

GOD and business

Lending

Money men

Image: Clipart Library

WORLD debt clock

 

The LORD JESUS declared:

John 16:33

King James Version

33 These things I have spoken unto you, 

that in me ye might have peace. 

In the world ye shall have tribulation: 

but be of good cheer; 

I have overcome the world.

What an interesting discovery!

Thanks to Michael Cowan's YT report:

THE FED & Lenders Are Going bankrupt! Shocking New Report

He showed a cool webpage, "U.S. Debt Clock".

In the process, I checked "World Debt Clocks".

You can also check debt clocks per U.S. state.

As Cowan says, it's like watching a "slow motion train wreck".

There's also a "Debt Clock Time Machine" showing the years 1980, 1990, 2000, 2003, 2008, 2012, 2016, 2020, 2022, and "Budget Showdown 2026".

Banks and currencies may be predictably unpredictable, but born agains take heart from Scripture:

Psalm 34:17-22

King James Version

17 The righteous cry, 

and the Lord heareth, 

and delivereth them out of all their troubles.

18 The Lord is nigh unto them that are of a broken heart; 

and saveth such as be of a contrite spirit.

19 Many are the afflictions of the righteous: 

but the Lord delivereth him out of them all.

20 He keepeth all his bones: 

not one of them is broken.

21 Evil shall slay the wicked: 

and they that hate the righteous shall be desolate.

22 The Lord redeemeth the soul of his servants: 

and none of them that trust in him shall be desolate.

Image: Monoar_CGI_Artist

INTENTIONAL inflation?

 

James 4:13-14

King James Version

13 Go to now, ye that say, 

To day or to morrow we will go into such a city, 

and continue there a year, 

and buy and sell, and get gain:

14 Whereas ye know not 

what shall be on the morrow. 

For what is your life? 

It is even a vapour, 

that appeareth for a little time, 

and then vanisheth away.

What is inflation?

Can it be created?

How is it controlled?

In the process of taking notes that I may write "On dishonest gain", I came across phrases like "intentional inflation", and "helicopter money".

Wow, so many terms in the world of finance.

Ought we know about these two phrases?

I believe we must.

But first, let the experts define "inflation":

"Inflation is caused by printing more money. The government's monetary policies are responsible for this. Keynesian spending policies and ideology and the abolishment of the gold standard have permitted the government to depreciate our currency."

   -- Dr. Edward W. Younkins

   HOW GOVERNMENT MANIPULATES MONEY AND PRODUCES INFLATION

Through common sense, we can determine "intentional inflation" as inflation, by deliberate intent, or design.

'Helicopter money" is summarized as":

Helicopter money pertains to an unconventional monetary policy tool that involves printing large sums of money and distributing it to the public to spur economic growth.

American economist and statistician Milton Friedman invented the term “helicopter money.” 

Key criticisms of helicopter money include (1) its irreversibility, (2) the potential for hyperinflation, and (3) the devaluation of the domestic currency.

   -- Corporate Finance Institute Team (CFI Team)

   Helicopter Money

Interesting.

Both terms suggest "printing large sums of money".

I'm no economist.

All I know is when economists hear about that, they get concerned.

They say it will lead to inflation.

And then, a recession.

We could all use a recess from all these complicated monetary activities.

Another interesting definition of inflation can be found here:

"Inflation is a form of sovereign default. Paying off bonds with currency that is worth half as much as it used to be is like defaulting on half of the debt. And sovereign default happens not in boom times but when economies and governments are in trouble."

   - John H. Cochrane

   "Inflation and Debt" (National Affairs)

Let's have a look at what experts say:

Rapid inflation — deliberate policy or miscalculation?

BACK TO BASICS COMPILATION  |  FINANCE & DEVELOPMENT (IMF)

Inflation and Debt by John H. Cochrane (National Affairs)

Inflation Meaning by Shivani Chaluvadi (Scripbox)

Forms of Inflation (Toppr)

Types of Inflation, Remedies (UPSC notes)

What Are the Causes of Inflation? by Barbara Friedberg (Smart Asset)

Related material:

On INFLATION

Hyperinflation

The Optimum Quantity of Money Revised Edition by Milton Friedman (FREE sample chapter)

The FEDERAL Reserve

CENTRAL banks

Image: Unsplash

On DISHONEST gain

 

Ezekiel 22:27

King James Version

27 Her princes in the midst thereof 

are like wolves ravening the prey, 

to shed blood, 

and to destroy souls, 

to get dishonest gain.

Business, and institutions, are notorious for "dishonest gain".

Doesn't matter, whether they're public, or private entities.

Same objective: PROFIT.

It's always been about profit.

We all know in our hearts, what excessive gain is.

It causes excessive hardship in others.

I don't think I'd be able to sleep good nights if I were to profit from another person's poverty, or get him to that point, just so my pockets would be fat, and full.

Or to keep others in ignorance, that I may profit.

As born again, I don't have the heart to do so.

I live by Scripture, and that's what I'll share with you.

We must know the LAWS of GOD, that we may live righteously in His eyes.

For starters, the LORD abhors a false balance.

Proverbs 11:1

King James Version

11 A false balance is abomination to the Lord: 

but a just weight is his delight.

Let us all be warned, and do right by GOD, and our brothers and sisters.

Here are more verses that speak about dishonest gain:

Exodus 18:21

King James Version

21 Moreover thou shalt provide 

out of all the people able men, 

such as fear God, 

men of truth, 

hating covetousness; 

and place such over them, 

to be rulers of thousands, 

and rulers of hundreds, 

rulers of fifties, 

and rulers of tens:

Leviticus 19:15

King James Version

15 Ye shall do no unrighteousness in judgment: 

thou shalt not respect the person of the poor, 

nor honor the person of the mighty: 

but in righteousness shalt thou judge thy neighbour.

1 Samuel 8:1-3

King James Version

8 And it came to pass, 

when Samuel was old, 

that he made his sons judges over Israel.

2 Now the name of his firstborn was Joel; 

and the name of his second, Abiah: 

they were judges in Beersheba.

3 And his sons walked not in his ways, 

but turned aside after lucre, 

and took bribes, 

and perverted judgment.

Proverbs 10:2

King James Version

2 Treasures of wickedness profit nothing: 

but righteousness delivereth from death.

Proverbs 23:4-5

King James Version

4 Labour not to be rich: 

cease from thine own wisdom.

5 Wilt thou set thine eyes upon that which is not? 

for riches certainly make themselves wings; 

they fly away as an eagle toward heaven.

Proverbs 28:20

King James Version

20 A faithful man shall abound with blessings: 

but he that maketh haste to be rich 

shall not be innocent.

Ecclesiastes 3:17-20

King James Version

17 I said in mine heart, 

God shall judge the righteous and the wicked: 

for there is a time there for every purpose 

and for every work.

18 I said in mine heart 

concerning the estate of the sons of men, 

that God might manifest them, 

and that they might see that they themselves are beasts.

19 For that which befalleth the sons of men 

befalleth beasts; 

even one thing befalleth them: 

as the one dieth, so dieth the other; 

yea, they have all one breath; 

so that a man hath no preeminence above a beast: 

for all is vanity.

20 All go unto one place; 

all are of the dust, 

and all turn to dust again.

Ezekiel 22:29-31

King James Version

29 The people of the land have used oppression, 

and exercised robbery, 

and have vexed the poor and needy: 

yea, they have oppressed the stranger wrongfully.

30 And I sought for a man among them, 

that should make up the hedge, 

and stand in the gap before me for the land, 

that I should not destroy it: 

but I found none.

31 Therefore have I poured out 

mine indignation upon them; 

I have consumed them with the fire of my wrath: 

their own way have I recompensed upon their heads, 

saith the Lord God.

Ephesians 4:17-19

King James Version

17 This I say therefore, 

and testify in the Lord, 

that ye henceforth walk not as other Gentiles walk, 

in the vanity of their mind,

18 Having the understanding darkened, 

being alienated from the life of God 

through the ignorance that is in them, 

because of the blindness of their heart:

19 Who being past feeling 

have given themselves over unto lasciviousness, 

to work all uncleanness with greediness.

Ephesians 4:22-25

King James Version

22 That ye put off concerning 

the former conversation the old man, 

which is corrupt according to the deceitful lusts;

23 And be renewed in the spirit of your mind;

24 And that ye put on the new man, 

which after God is created in righteousness 

and true holiness.

25 Wherefore putting away lying, 

speak every man truth with his neighbour: 

for we are members one of another.

Ephesians 4:27

King James Version

27 Neither give place to the devil.

Ephesians 4:28

King James Version

28 Let him that stole steal no more: 

but rather let him labour, 

working with his hands the thing which is good, 

that he may have to give to him that needeth.

Ephesians 4:31

King James Version

31 Let all bitterness, and wrath, and anger, 

and clamour, and evil speaking, 

be put away from you, 

with all malice:

Ephesians 4:32

King James Version

32 And be ye kind one to another, 

tenderhearted, 

forgiving one another, 

even as God for Christ's sake 

hath forgiven you.

1 Timothy 6:4-5

King James Version

4 He is proud, 

knowing nothing, 

but doting about questions and strifes of words, 

whereof cometh envy, strife, 

railings, evil surmisings,

5 Perverse disputings of men of corrupt minds, 

and destitute of the truth, 

supposing that gain is godliness: 

from such withdraw thyself.

1 Timothy 6:6-11

King James Version

6 But godliness with contentment is great gain.

7 For we brought nothing into this world, 

and it is certain we can carry nothing out.

8 And having food and raiment 

let us be therewith content.

9 But they that will be rich fall 

into temptation and a snare, 

and into many foolish and hurtful lusts, 

which drown men in destruction and perdition.

10 For the love of money is the root of all evil: 

which while some coveted after, 

they have erred from the faith, 

and pierced themselves through 

with many sorrows.

11 But thou, 

O man of God, 

flee these things; 

and follow after righteousness, 

godliness, faith, love, patience, meekness.

Titus 1:10-11

King James Version

10 For there are many unruly and vain 

talkers and deceivers, 

specially they of the circumcision:

11 Whose mouths must be stopped, 

who subvert whole houses, 

teaching things which they ought not, 

for filthy lucre's sake.

1 Peter 5:2-3

King James Version

2 Feed the flock of God which is among you, 

taking the oversight thereof, 

not by constraint, but willingly; 

not for filthy lucre, but of a ready mind;

3 Neither as being lords over God's heritage, 

but being examples to the flock.

Scripture still has much to say about greed, robbery, covetousness, and such.

That would be a whole blog in itself.

But you get the idea.

For now, let this post drive home the point.

JESUS made us choose:

Matthew 6:24

King James Version

24 No man can serve two masters: 

for either he will hate the one, 

and love the other; 

or else he will hold to the one, 

and despise the other. 

Ye cannot serve God and mammon.

We are to love our brothers, and sisters.

As JESUS commanded us:

John 13:34-35

King James Version

34 A new commandment I give unto you, 

That ye love one another; as I have loved you, 

that ye also love one another.

35 By this shall all men know that ye are my disciples, 

if ye have love one to another.

"Yeah, but I'm not a disciple, and don't intend to be," you'd inform me.

Well, it's time you did.

For it's all preparation now.

Of getting our hearts right, before the LORD.

JESUS alerted my heart to the imminence of the RAPTURE.

I write, to warn.

Matthew 24:39-42

King James Version

39 And knew not until the flood came, 

and took them all away; 

so shall also the coming of the Son of man be.

40 Then shall two be in the field; 

the one shall be taken, 

and the other left.

41 Two women shall be grinding at the mill; 

the one shall be taken, 

and the other left.

42 Watch therefore:

for ye know not what hour your Lord doth come.

Time to have a new heart.

Make that 180-degree turn now.

TURN back to GOD.

Mark 1:15

King James Version

15 And saying, 

The time is fulfilled, 

and the kingdom of God is at hand: 

repent ye, 

and believe the gospel.

John 3:5-7

King James Version

5 Jesus answered, 

Verily, verily, I say unto thee, 

Except a man be born of water and of the Spirit, 

he cannot enter into the kingdom of God.

6 That which is born of the flesh is flesh; 

and that which is born of the Spirit is spirit.

7 Marvel not that I said unto thee, 

Ye must be born again.

1 Corinthians 6:11

King James Version

11 And such were some of you: 

but ye are washed, 

but ye are sanctified, 

but ye are justified 

in the name of the Lord Jesus, 

and by the Spirit of our God.

The next post will be interesting, too.

Something about "intentional inflation".

Man's predisposition for creating unnecessary hardship in those "not in the know", is legendary.

But this blog will reveal what SPIRIT, and SCRIPTURE, want revealed.

Related material:

HITLERS GOLD THE REAL STORY SWISS BANKS, THE BIS, DULLES AND THE AFTERMATH

Beggar Thy Neighbor: A History of Usury and Debt

RELIEF through knowledge

GOD and mammon

FORGIVING debts

"Filthy lucre" verses

Image: Sub Png

GOD's law on lending among JEWS

 

Nehemiah 5:4

King James Version

4 There were also that said, 

We have borrowed money for the king's tribute, 

and that upon our lands and vineyards.

How are Jews to treat each other?

What did GOD require of them, with regards to money?

Here are His laws, from the Old Testament:

Exodus 22:25-27

King James Version

25 If thou lend money to any of my people 

that is poor by thee, 

thou shalt not be to him as an usurer, 

neither shalt thou lay upon him usury.

26 If thou at all take thy neighbour's raiment to pledge, 

thou shalt deliver it unto him by that the sun goeth down:

27 For that is his covering only, 

it is his raiment for his skin: wherein shall he sleep? 

and it shall come to pass, 

when he crieth unto me, 

that I will hear; 

for I am gracious.

Leviticus 25:35-38

King James Version

35 And if thy brother be waxen poor, 

and fallen in decay with thee; 

then thou shalt relieve him: 

yea, though he be a stranger, or a sojourner; 

that he may live with thee.

36 Take thou no usury of him, 

or increase: 

but fear thy God; 

that thy brother may live with thee.

37 Thou shalt not give him thy money upon usury, 

nor lend him thy victuals for increase.

38 I am the Lord your God, 

which brought you forth out of the land of Egypt, 

to give you the land of Canaan, 

and to be your God.

Deuteronomy 8:18

King James Version

18 But thou shalt remember the Lord thy God: 

for it is he that giveth thee power to get wealth, 

that he may establish his covenant 

which he sware unto thy fathers, 

as it is this day.

Deuteronomy 15:7-11

King James Version

7 If there be among you a poor man 

of one of thy brethren within any of thy gates 

in thy land which the Lord thy God giveth thee, 

thou shalt not harden thine heart, 

nor shut thine hand from thy poor brother:

8 But thou shalt open thine hand wide unto him, 

and shalt surely lend him sufficient for his need, 

in that which he wanteth.

9 Beware that there be not a thought in thy wicked heart, 

saying, 

The seventh year, 

the year of release, 

is at hand; 

and thine eye be evil against thy poor brother, 

and thou givest him nought; 

and he cry unto the Lord against thee, 

and it be sin unto thee.

10 Thou shalt surely give him, 

and thine heart shall not be grieved 

when thou givest unto him: 

because that for this thing the Lord thy God 

shall bless thee in all thy works, 

and in all that thou puttest thine hand unto.

11 For the poor shall never cease out of the land: 

therefore I command thee, 

saying, 

Thou shalt open thine hand wide unto thy brother, 

to thy poor, and to thy needy, 

in thy land.

Deuteronomy 23:19-20

King James Version

19 Thou shalt not lend upon usury to thy brother; 

usury of money, 

usury of victuals, 

usury of any thing that is lent upon usury:

20 Unto a stranger thou mayest lend upon usury; 

but unto thy brother thou shalt not lend upon usury: 

that the Lord thy God may bless thee 

in all that thou settest thine hand to in the land 

whither thou goest to possess it.

Deuteronomy 28:12-13

King James Version

12 The Lord shall open unto thee his good treasure, 

the heaven to give the rain unto thy land in his season, 

and to bless all the work of thine hand: 

and thou shalt lend unto many nations, 

and thou shalt not borrow.

13 And the Lord shall make thee the head, 

and not the tail; 

and thou shalt be above only, 

and thou shalt not be beneath; 

if that thou hearken 

unto the commandments of the Lord thy God, 

which I command thee this day, 

to observe and to do them:

Ezekiel 18:7-9

King James Version

7 And hath not oppressed any, 

but hath restored to the debtor his pledge, 

hath spoiled none by violence, 

hath given his bread to the hungry, 

and hath covered the naked with a garment;

8 He that hath not given forth upon usury, 

neither hath taken any increase, 

that hath withdrawn his hand from iniquity, 

hath executed true judgment between man and man,

9 Hath walked in my statutes, 

and hath kept my judgments, 

to deal truly; 

he is just, 

he shall surely live, 

saith the Lord God.

A WHOLE chapter is also devoted to lending among Jews:

Nehemiah 5 KJV

Related material:

Honoring ISRAEL

Image: Wallpaper Flare

ENDLESS schemes

Proverbs 11:1

King James Version

11 A false balance is abomination to the Lord: 

but a just weight is his delight.

Confused about finance?

Who isn't?

Unless you've got an MBA, are an economist, are a slick trader, or you're the elite insider, you've got it all figured out.

If you're the upper one percent, you know how the systems work.

You're protected from all risks.

Why else the tax havens?

How can you not be safe?

You created the system itself.

Every day folks are outwitted, outnumbered, outmaneuvered, and outgunned, by lawyers, businessmen, bankers, and policy makers.

They're the first to run away with our hard-earned money.

They're the first to pull the wool over our eyes.

They're the first to use our money, investing in sophisticated instruments that make our heads spin.

That's how it is.

The system was rigged.

Right from the start.

If you're a consumer, try missing one mortgage, or credit card payment.

Or try missing rent payment.

The lawmakers are the law breakers.

Yeah, but they give you contracts, they say.

True, in such fine print, too!

So fine, you won't be able to read it.

Much less decipher it.

That's the idea.

Those contracts are meant to protect the ones in the "know".

Actually, those contracts are to enslave the consumer, FOREVER.

Surely, they haven't forgotten that without every day people, the system would collapse.

There will be no takers.

No gullible people to trust them.

Without citizens, who will the government govern?

Without depositors, where will banks get money from?

Without borrowers, how will banks earn?

The greed, and duplicity, bogs the imagination.

How can unwitting consumers be protected?

You know what happened to Lazarus and the rich man.

Apart from GOD's laws, forget man's laws.

You will not be protected.

Every day folks, are the fall guys.

We take the fall.

Sophisticated financial instruments are beyond the comprehension of us every day folks.

Perpetually-designed, to perpetually confuse us.

That's why I'd like to share with you some very telling short videos:

Money: Humanity's Biggest Illusion

Who Controls All of Our Money?

How is Money Created? – Everything You Need to Know

How The Biggest Banks Get Away With Fraud

End of the Road: How Money Became Worthless | Gold | Financial Crisis | ENDEVR Documentary

SPIRIT and I created this blog to inform you of the slick, and sly, instruments which cause man's ruin.

All because we'd rather trust mammon, than GOD.

Well, I know my stand.

I only rely on JESUS.

Colossians 3:1-2

King James Version

3 If ye then be risen with Christ, 

seek those things which are above, 

where Christ sitteth on the right hand of God.

2 Set your affection on things above, 

not on things on the earth.

There's only JESUS.

Matthew 24:35

King James Version

35 Heaven and earth shall pass away, 

but my words shall not pass away.

The one with the most gold won't win.

That is certain.

Consider it an impediment.

Literally, and spiritually.

Related material:

LAZARUS and the RICH MAN

Man's greed MUST STOP

LOVE verses

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