What Does the Bible Say About Financial Advice?

Where do material blessings come from? It’s in the Bible, Deuteronomy 8:18 NIV

“But remember the Lord your God, for it is He who gives you the ability to produce wealth.”

Can money get in the way of more important things? Wealth can become the center of our life and take God’s place. It’s in the Bible, Jeremiah 9:23-24, NIV

“This is what the Lord says: “Let not the wise man boast of his wisdom or the strong man boast of his strength or the rich man boast of his riches, but let him who boasts boast about this: that he understands and knows Me, that I am the Lord, who exercises kindness, justice and righteousness on earth, for in these I delight,” declares the Lord.”

Wealth can give us wrong attitudes about material things. It’s in the Bible, Luke 12:15 NIV

“Then [Jesus] said to them, “Watch out! Be on your guard against all kinds of greed; a man’s life does not consist in the abundance of his possessions.”

It is unwise to make financial success a priority. It’s in the Bible, Matthew 6:24, NIV

“No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money.”

I Timothy 6:9, NIV

“People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction.”

While it is not impossible, it is difficult for the rich to become citizens of God’s kingdom. It’s in the Bible, Mark 10:23-25, NIV.

“Jesus looked around and said to His disciples, ‘How hard it is for the rich to enter the kingdom of God!’ The disciples were amazed at His words. But Jesus said again, ‘Children, how hard it is to enter the kingdom of God! It is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God.'”

The love of money leads to evil. It’s in the Bible, I Timothy 6:10, NIV.

“For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.”

Greed often accompanies prosperity and can lead to crime. It’s in the Bible, James 4:1-2, TLB

“What is causing the quarrels and fights among you? Isn’t it because there is a whole army of evil desires within you? You want what you don’t have, so you kill to get it. You long for what others have, and can’t afford it, so you start a fight to take it away from them. And yet the reason you don’t have what you want is that you don’t ask God for it.”

It’s true, the more you give, the greater will be your reward. It’s in the Bible, Luke 12:33-34, NIV

“Sell your possessions and give to the poor: Provide purses for yourselves that will not wear out, a treasure in heaven that will not be exhausted, where no thief comes near and no moth destroys. For where your treasure is, there your heart will be also.”

What investment strategy does God recommend? It’s in the Bible, I Timothy 6:17-19, NIV.

“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.”

A valuable reminder for property owners. It’s in the Bible, Leviticus 25:23, TLB

“And remember, the land is Mine, so you may not sell it permanently. You are merely My tenants and sharecroppers!”

Contentment is not related to amount of money or possessions. It’s in the Bible, Philippians 4:12-13, TLB.

“I know how to live on almost nothing or with everything. I have learned the secret of contentment in every situation, whether it be a full stomach or hunger, plenty or want; for I can do everything God asks me to with the help of Christ who gives me the strength and power.”

God asks us to return tithe [10%] and offerings to Him and in return He promises unlimited blessings. It’s in the Bible, Malachi 3:8-10, NIV.

“Will a man rob God?” Yet you rob Me. “But you ask, ‘How do we rob You?’ “In tithes and offerings.” Bring the whole tithe into the storehouse, that there may be food in My house. Test Me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it.”

Christ endorsed tithing. It’s in the Bible, Matthew 23:23, NIV.

“Woe to you, teachers of the law and Pharisees, you hypocrites! You give a tenth of your spices—mint, dill and cummin. But you have neglected the more important matters of the law—justice, mercy and faithfulness. You should have practiced the latter, without neglecting the former.”

How may all, rich and poor, honor God? It’s in the Bible, Proverbs 3:9, NIV.

“Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine.”

If we put God first, He will take care of all our needs. It’s in the Bible, Matthew 6:33, NIV.

“But seek first His kingdom and His righteousness, and all these things will be given to you as well.”

What is the financial counsel of Solomon, the wisest and richest man who ever lived? It’s in the Bible, Ecclesiastes 5:10-20, TLB.

“He who loves money shall never have enough. The foolishness of thinking that wealth brings happiness! The more you have, the more you spend, right up to the limits of your income, so what is the advantage of wealth—except perhaps to watch it as it runs through your fingers! The man who works hard sleeps well whether he eats little or much, but the rich must worry and suffer insomnia. There is another serious problem I have seen everywhere—savings are put into risky investments that turn sour, and soon there is nothing left to pass on to one’s son. The man who speculates is soon back to where he began—with nothing. This, as I said, is a very serious problem, for all his hard work has been for nothing; he has been working for the wind. It is all swept away. All the rest of his life he is under a cloud—gloomy, discouraged, frustrated, and angry… . To enjoy your work and to accept your lot in life—that is indeed a gift from God. The person who does that will not need to look back with sorrow on his past, for God gives him joy.”

What does the Scripture say about my monthly bills? It’s in the Bible, Romans 13:7-8, NIV.

“Give everyone what you owe him: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor. Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.”

Be cautious about countersigning loan notes. It’s in the Bible, Proverbs 22:26-27, TLB.

“Unless you have extra cash on hand, don’t countersign a note. Why risk everything you own? They’ll even take your bed!”

What reminder are we given about borrowing money? It’s in the Bible, Proverbs 22:7, NIV.

“The rich rule over the poor, and the borrower is servant to the lender.”

God expects fairness in business dealings. It’s in the Bible, Proverbs 16:11, TLB.

“The Lord demands fairness in every business deal. He established this principle.”

Honesty and fairness are always expected of those who wish to please God. It’s in the Bible, Isaiah 33:15, TLB.

“I will tell you who can live here: All who are honest and fair, who reject making profit by fraud, who hold back their hands from taking bribes, who refuse to listen to those who plot murder, who shut their eyes to all enticement to do wrong.”

It is important to work to earn a living. It’s in the Bible, II Thessalonians 3:11-12, TLB.

“Yet we hear that some of you are living in laziness, refusing to work, and wasting your time in gossiping. In the name of the Lord Jesus Christ we appeal to such people—we command them—to quiet down, get to work, and earn their own living.”

In God We Trust

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Four Small Prayers For Those of Us With Little Money

We know of so many people who are struggling with finances today. It is a rarity to find someone who is not.

If you’re staring at a near-empty bank account today, we invite you to open your Bible and dive into God’s Word. We invite you to meditate on its messages of peace, hope and perseverance. And we invite you to join us in reciting these four prayers:

🔹Lord, give me peace when money is tight. 
Peace is what I leave with you; it is my own peace that I give you. I do not give it as the world does. Do not be worried and upset; do not be afraid. – John 14:27 (GNTD)

🔹Lord, give me hope when I have none.
May God, the source of hope, fill you with all joy and peace by means of your faith in him, so that your hope will continue to grow by the power of the Holy Spirit.– Romans 15:13 (GNTD)

🔹Lord, give me wisdom as I make decisions about my money.
Trust in the Lord with all your heart. Never rely on what you think you know. Remember the Lord in everything you do, and he will show you the right way.– Proverbs 3:5-6 (GNTD)

🔹Lord, provide for my needs.
Look at the crows: they don’t plant seeds or gather a harvest; they don’t have storage rooms or barns; God feeds them! You are worth so much more than birds!– Luke 12:24 (GNTD)

In God We Trust

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Six Things to Know About Amazon Expanding Into the Healthcare Business

UPDATE: August 24, 2022. Amazon has announced they will close its health service Amazon Care, reflecting a reversal in trajectory from the e-commerce giant’s recent ventures into the healthcare sector.

Amazon planned to buy One Medical for $3.9 billion to expand their growing healthcare empire. One Medical’s parent company, 1Life Healthcare, Inc., closed Thursday at $17.25, just below Amazon’s offered price of $18.

The massive retailer first entered into healthcare in 2019.

Here are six things to know about the deal and Amazon’s previous endeavors to invade the healthcare industry:

🔹One Medical is an app and website members use to book appointments, track health records and renew prescriptions.

🔹One Medical has yet to turn a profit since going public in 2020. In the first three months of 2022, losses reached $90 million.

🔹The acquisition of One Medical will pit Amazon against other companies such as UnitedHealth Group’s Optum, CVS Health and hospital systems that increasingly employ physicians.

🔹Amazon’s previous forays into healthcare include a $1 billion deal for a business to ship prescriptions nationwide and a venture to remake healthcare that companies offer to U.S. workers. They haven’t met with much success so far.

🔹In 2019, Amazon launched Amazon Care, a telehealth service it first offered to its employees. Last year, they indicated this would expand in offerings to other companies.

🔹Amazon also launched its own pharmacy business after buying online pharmacy PillPack two years ago, but the service has failed to gain meaningful traction so far, critics and rivals say.

Neil Lindsay, Senior Vice President of Amazon Health Services, said: “We think health care is high on the list of experiences that need reinvention. Booking an appointment, waiting weeks or even months to be seen, taking time off work, driving to a clinic, finding a parking spot, waiting in the waiting room then the exam room for what is too often a rushed few minutes with a doctor, then making another trip to a pharmacy – we see lots of opportunity to both improve the quality of the experience and give people back valuable time in their days.”

“We love inventing to make what should be easy easier and we want to be one of the companies that helps dramatically improve the healthcare experience over the next several years,” he continued. “Together with One Medical’s human-centered and technology-powered approach to health care, we believe we can and will help more people get better care, when and how they need it. We look forward to delivering on that long-term mission.”

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What to Know Before You Decide on Buying an Electric Vehicle

Can You Say “Range Anxiety?”

That is anxiety that comes from not knowing whether or not you will be able to make it to a charging station before the battery is depleted.

I talked with several Electric Vehicle (EV) owners and a mechanic to ask about the ins-and-outs of these cars and trucks.

“The first hard lesson I learned about owning an electric vehicle was the inconvenient charging,” Steve, who sold his 2018 model after just two years said.

Steve had to talk his employer into installing a charging unit at his place of work near downtown San Antonio, Texas to ensure he had enough power to make it home, 40 miles away in the Hill Country foothills near Boerne.

“Stop and start traffic on the highways made me nervous,” he explained. “I didn’t get home until close to midnight so I was constantly worried about power at night.”

“If I had it to do over again, I would have spent more time studying, but in retrospect, I can tell you as I experienced constant mechanical and electric maintenance and warranty issues, I changed my mind,” he continued. “When I began to read and hear about Biden’s Green Build Back Better policies, with impending demands imposed by the EPA and other governmental regulating bodies, I had enough. I took a $11,000 loss, but lessons learned, and now I’m relieved.”

“Charging ain’t free,” Ronald, another San Antonio EV owner announced. “I spent about $2,800 turnkey to install a high output (Level 2) charger in my garage. Before that, I had started by running an extension cord and trading the electrical socket back in forth for my kitchen stove and car battery. I couldn’t chance the possibility of needing to drive at night not knowing if I had enough charge in an emergency.”

“For long trips I had issues with ‘range anxiety for sure,” he said. “I’d plan to find a Wal-Mart or someplace to hangout while my car was charging.”

“I have a Mercedes-Benz EQS and get a bit over 400 miles on one charge,” Ronald added. “If I’m driving long distances it, of course, takes me quite a bit longer to get a full charge than those who just fill up with gas and move on.”

To get a real life estimate, using average KWh charging rates from Texas to California, CleverJourneys checked Tesla’s website calculator to compare cost and time between gas and electric charging.

It’s easy to understand why Joe Biden needed to get gasoline prices higher and availability more difficult. Two of his major campaign donors (over $200 million in contributions) profit considerably:

🔹George Soros bought heavily in Rivian EVs stock in Nov. 2021.

🔹Warren Buffet’s trains carry the oil that would have run through Keystone Pipeline that Biden cancelled on Day 1 of his White House term.

390 minutes (6.5 hrs.) charge time. $12 in charging fees + $128 in charge time = $140. At 34 mpg in our Honda Civic, it takes us 48 gallons of gas. At $2 per gallon (before Biden) = $96. At $3 per gallon = $144; 4 per gallon = $192; $5 per gallon = $240 (during Biden)
Charging stations availability. July 2022

Current prices for charging an electric car at Walmart range anywhere from 12 cents to 99 cents per kW across the U.S. Most charge somewhere close to 30 cents.

“It just really depends on which Walmart or place you go to and what type of electric car you have,” Gary, a newly certified service EV repairman, explained. “They usually charge a buck ($1 fee) per charging session.”

Although Walmart and other places have installed superchargers, “it is not good to use them every day or too often,” Gary warned. “Supercharging your car daily can damage your battery health, and wear out its lifespan.”

“There’s a fee if you stay parked after your car is charged. ChargePoint gives you a 5-minute grace period to move your car after it’s finished,” said Gary.. “After that, it charges you 14 cents per minute up to a maximum of $5 per session.”

🔹According to the U.S. Energy Information Administration, the average U.S. household pays nearly 14 cents per kWh.

“An electric car gets 3 to 4 miles per kWh,” Gary stated. “So divide the total miles you drive each month by 3 to get the kWh you would use monthly. Multiply that number by your cost per kWh. The dollar amount you get could be less than what you pay each month to buy gasoline. I think this is why Biden is causing gas prices to go up.”

🔹If someone drives about 1,183 miles per month (Americans drive an average of about 14,200 miles annually), an EV, will use about 394 kWh in that timeframe.

🔹Using the U.S. household average from June 2022 of nearly 14 cents per kWh, it would cost about $55 per month to charge an electric car.

🔹Figure an extra $38.50 per month to charge an electric car at home if you pay the average 14 cents. This is a 33% increase on the average electric bill, according to stats from the Energy Information Administration. 

Prepare to wait.
Truck stop & EV station food.

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🔹Fully recharging the battery pack with a Level 1 or Level 2 charger can take up to 8 hours, and even fast charging stations take 30 minutes to charge to just 80 percent capacity.

LEVELS OF CHARGE

LEVEL 1 is the slowest and requires a regular 120-volt outlet, which you probably already have. Most EVs acquire roughly five miles per hour of charge when using Level 1 charging.

LEVEL 2 is a 240-volt electric circuit required for charging. This is commonly used for major appliances such as electric dryers, water heaters, and ovens. Installing one of these in a suitable location greatly increases charging capacity. With Level 2, most EVs can charge at a rate of about 35 miles per hour.

LEVEL 3 is the quickest charging station on the market, delivering massive amounts of power in a short amount of time. Modern EVs can charge up to 80% of their capacity in about 30 minutes. These should not be used often as it shortens battery life.

Not all DC fast chargers are created equal, as charger speed can vary from 24 kW to 350 kW, and not all cars are compatible with the fastest speeds or come close to their marketed capability in practice. 

CURRENT SAMPLE CHARGING COST (June 2022)

Georgia: EVgo network charges rates by state, and it varies for Level 2 charging. On its website, the pay-as-you-go approach costs 30 cents per minute in Georgia. However, if you’re an EVgo Plus member, the rate drops to 24 cents per minute.

Illinois: Electrify America bills 43 cents per kWh for guests and 31 cents per kWh for paid members; EVGo bills between 22 and 30 cents depending on membership status; those billing rates can change based on location.

Some studies show that you can save around $14,000 on fuel costs if you drive an electric car for about 15 years but sometimes this may not be enough to cover all the hidden costs that electric cars have. Some of these hidden costs that you may encounter could cost thousands of dollars, with a few costing over $10,000.

THE NOTORIOUS BATTERIES

At the heart of all-electric automobiles are batteries — literally, the entire car is designed around them, and they’re the most expensive part of the car.

🔹Currently, all EVs sold in the U.S. come with an eight-year/100k mile warranty. Keep in mind that the average age for a vehicle on the road in the U.S. is 12.1 years. EVs average age is unknown.

🔹At some point the cost to replace the battery is more than your vehicle might be worth — estimates range between $6,000 and $20,000 depending on the model.

“The most expensive repair made on an EV is most likely going to be the high-voltage battery,” Gary commented. “Not anyone can do this type of work and it’s something that should only be done by a trained specialist at a proper repair facility.”

“This is due to the very high-voltage danger as well as maintaining proper repair procedures,” he added. “These replacement parts will come directly from the dealer. There’s just not much competition among parts manufacturers to drive prices down.”

🔹These lithium batteries are benign when compared to Nickel-Cadmium cells or even other automotive compounds like brake fluid. This means it’s considered toxic in our waste stream, and no one is prepared for the volume of used batteries headed to scrap yards.

🔹The EPA reported in 2021 that at least 65 landfill fires were caused by lithium-ion battery waste.

🔹These batteries are extremely heavy with some weighing up to 1,400 lbs.

🔹EVs have a shorter range than gas-powered cars. Most models only range between 60 and 120 miles per charge and some luxury models might make it to 300 miles per charge.

For comparison, gas powered vehicles will average around 300 miles on a full tank of gas, and more fuel efficient vehicles getting much higher driving ranges. This can be an issue when looking at EVs if you take long trips. Availability of charging stations can make AEVs less suitable for activities like road trips.

HIGHER INSURANCE PREMIUMS

🔹According to bankrate.com, the average annual premium in the U.S. for a gas car is $1,655. The much higher EV premiums are mostly due to the high purchase price and the high cost of repairs. 

🔹Steve said he shopped around and paid $2,300 a year for insurance his last year of ownership before he sold his EV.

🔹Electric vehicles will generally cost 25%-40% more than a gas car in terms of the insurance. 

CHILD LABOR & ENVIRONMENT CONTROVERSIES

🔹Modern batteries require lithium, which can only be mined in a handful of countries.

🔹There is much controversy about young children being used to hand dig cobalt out of mines for long hours, 7 days each week.

🔹Once mined, this cobalt is used to produce thousands of small cylindrical cells, each of which must be carefully monitored—no trivial matter.

🔹You must add the cost of environmental and crash protection to prevent battery fires.

VEHICLE REGISTRATION

🔹Finding a vehicle inspection could be a challenge.

🔹A quick search across 12 states from California to Texas to Georgia to Michigan revealed EV registration fees to be between $50 to $250.

🔹This is primarily due to there being a tax on gas that is used to pay for new infrastructure. Many states want electric car owners to contribute to providing the services needed.

Random Notes

🔹Electric cars have a low center of gravity due to the placement of the battery pack, so tires can wear down more quickly than on gas-powered cars.

🔹Some EVs have a powertrain that needs to have its fluid replaced at periodic intervals, such as the Tesla Model S.

🔹EVs are especially at risk of battery issues in high and low temperatures. Cold weather can reduce your range in the short-term, while hot weather can reduce the overall battery life of your vehicle.

🔹Because the battery pack is located in the underbody of the vehicle, corrosion can be more damaging to EVs than to conventional cars. Wash off any road salt and other corrosive materials as soon as possible, and keep an eye out for corrosion on the charging port and other electrical components.

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Why Is Biden’s Treasury Dept. Refusing to Provide ‘Suspicious Activity Reports’ to House Oversight Committee?

Joe Biden’s Treasury Secretary Janet Yellen and her Department are rejecting demands by the House Oversite and Reforms Committee to hand over Suspicious Activity Reports (SARs), unless the committee’s Democratic leaders signed off.

More than 150 of Hunter Biden and the Biden Crime Family network of international business transactions have generated SARs by U.S. banks for inspection by the Treasury Department to determine if there is illegal activity or a threat to national security.

Rep. James Comer (R-KY) the top GOP member on the Oversight and Reform Committee, wrote a letter yesterday to Janet Yellen:

“Despite Treasury’s assertion in the press that it ‘provides SARs to Congress in a manner that enables robust oversight,’ Treasury is refusing to release SARs connected with Hunter Biden or his family and associates — including the President.”

“Treasury’s actions call for investigation and raise new questions about the degree to which the Biden Administration is using the federal government to provide cover for the Biden family and its associates.”

“The American people deserve to know whether the President’s connections to his son’s business deals occurred at the expense of the United States’ interests and whether they represent a national security threat.” 

Hunter’s notorious laptop has answers to crimes and lies

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Comer was ignored in a letter he wrote to Yellen in May requesting SARs information on financial transactions flagged by U.S. banks for the Financial Crimes Enforcement Network.

“The Treasury Department used to provide these reports to Congress, but the Biden Administration has restricted access to them, raising questions about a possible effort to hide the Biden network’s suspicious business dealings,” Comer noted in the May letter when he demanded the information by June 8, 2022.

On numerous occasions, Joe Biden denied he was ever involved in his son, Hunter’s Ukraine, China and other suspect business dealings, but now data from the notorious laptop provides evidence the current White House Resident lied repeatedly. Imagine that!

A report from the U.S. Senate 2020 revealed Hunter made payments to prostitutes overseas:

“Hunter Biden paid nonresident women who were nationals of Russia or other Eastern European countries… appears to be an Eastern European prostitution or human trafficking ring.”

“I am highly concerned in terms of Joe Biden’s compromise,” said Sen. Ron Johnson (R-WI). “The fact that he might have funded his son’s use of (potentially) escorts in part of a sex scandal, a global sex scandal/sex operation.”

Hunter’s longtime business partner, Eric Schwerin, reportedly visited the White House on at least 27 occasions while Joe Biden was Vice President.

The Biden and Schwerin private equity firm had a financial stake in a company run by Francis “Fran” Person, a longtime Biden aide, and a Chinese executive with ties to officials at some of the highest levels of the Communist Party of China.

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Could COVID-19 Injuries and Deaths be Contributing to Labor Shortages?

Practically not a week goes by where we do not hear someone in our circle of friends and family report that someone they know “suddenly” died after being vaccinated with the experimental jabs.

Since January 2022, we personally know 17 people who died (ages 28 to 64) with the same thing in common: each had received at least two COVID vaccine shots and some had booster jabs.

Popular meme

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Now this is anecdotal, but we are discovering many others are having similar experiences. This month we have made several trips into San Antonio to visit ailing relatives and friends in hospitals for various issues including strokes, some types of “carditis,” and clotting problems.

WORKER SHORTAGE

🔹Today the U.S. is experiencing a raging 11.4 million worker shortage.

🔹There are 5.5 million more job openings than there are workers available to fill them, according to the Labor Department.

🔹The U.S. Chamber of Commerce admitted this month that in May 2022, we have 2.8 million fewer Americans working today compared to February of 2020 when lockdowns began.

🔹If every unemployed person in the country found a job, we would still have 5.4 million open jobs.

🔹A significant cause is from the COVID-19 shots. Massive deaths and injuries from the COVID vaccines are an extraordinary factor.

I first started keeping track of this after taking notes from a January 2022 Washington DC conference hosted by Senator Ron Johnson. Attorney Thomas Renz testified that three military medical professionals (whistle blowers who put their careers on the line) exposed data contained in the Department of Defense Medical Database.

Under oath and under penalty of perjury, they reported an explosion of miscarriages which increased by almost 300% in 2021, an almost 300% increase in cancer, and over a 1000% increase in neurological injuries. Their concern was the direct impacts over the pilots flying in the military.

Since the first of 2022, there has been another explosion: It’s the growing body of scientific and clinical evidence that shows myriad side effects—some of which are extremely severe—from COVID-19 vaccines.

We learned last week that
Sicily’s Court of Administrative Justice ruled that Italy’s mandatory Covid vaccination obligation is unconstitutional. The experimental mRNA treatments show “serious or fatal adverse effects,” rendering the mandate unconstitutional.

Looking at most recent data (today is June 27, 2022), even the government’s intentionally skewed numbers are startling:

BABIES

🔹From the 5/20/2022 release of VAERS data, there have been 4,202 cases recorded of fetal deaths following COVID-19 vaccines for the past 18 months.

🔹VAERS for the previous 30 years (360 months) reported only 2,239 fetal deaths following all FDA-approved vaccines.

🔹This is a 3,653% increase in dead babies following COVID-19 vaccines compared to deaths of pre-born children following vaccines for the previous 30+ years.

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YOUNG ADULTS

🔹For the 17 months since the COVID-19 vaccines were authorized, people under age 40 have filed 6,711 cases reporting some type of “carditis,” resulting in 36 deaths, 261 permanent disabilities, and 656 life threatening events.

🔹In the previous 30 years prior to COVID-19 vaccines there were 713 cases of carditis total reported for those under 40.

🔹That’s a 19,832% increase of cases of carditis reported for this age group following COVID-19 vaccines.

🔹The latest U.S. Government Vaccine Adverse Events Reporting System (VAERS) reports 1,255,355 cases of adverse reactions filed following COVID-19 vaccines since December of 2020.

🔹This accounts for 27,758 deaths and 51,600 permanent disabilities.

🔹In the previous 30 years before COVID vaccines, there were 936,214 cases reported with 12,964 deaths and 23,838 permanent disabilities following all FDA-approved vaccines during a 360-month period.

🔹This is a 4,434.22% increase in deaths following COVID-19 vaccines, compared to deaths following ALL FDA-approved vaccines for the previous 30 years.

ENCEPHALOPATHY

My wife, retired nurse Dodie Dennis, tells me the term “Encephalopathy” is “any diffuse disease of the brain that alters brain function or structure.” 

🔹Since the beginning of COVID-19 vaccine distribution in December, 2020, there has been over 64 cases per month reported.

🔹The previous 30 years (360 months) before the COVID-19 vaccines started, there were 1,068 cases of “encephalopathy” reported after all FDA-approved vaccines, an average of less than 3 per month.

INSURANCE DATA

🔹So far, annual reports for American insurance companies, including Prudential and Northwestern Mutual, reveal significant increases in paying out death benefits much larger in 2021 than in 2020.

🔹Lincoln National insurance reported a 163% increase in death benefits paid out under its group life insurance policies in 2021. Their stock price fell from about $70 a share on January 3 to $48.98 on Friday.

🔹One America insurance reports deaths among working people ages 18-64 were up 40% in the third quarter of 2021.

U.S. and EUROPE, COMPARED

🔹Official Government Data records 74,783 Deaths and 5,830,235 Injuries Following COVID-19 Vaccines in the U.S. and Europe

🔹The estimated true numbers are 100 times more: 7,478,300 deaths and 583,023,500 injuries.


🔹The European Medicines Agency (EMA) database of adverse drug reactions is now reporting 45,752 deaths and 4,522,307 injuries following COVID-19 vaccines.

🔹United States’ vaccine adverse events reporting system (VAERS) is now reporting 29,031 deaths and 1,307,928 injuries following COVID-19 vaccines.


🔹In 2021, Dr. Jessica Rose performed a comprehensive analysis to determine the “under-reported factor” in VAERS. She revealed that it is “41X,” meaning that the recorded data for adverse reactions to COVID-19 vaccines in VAERS had to be multiplied by 41 to get more accurate numbers. 

🔹Albert Benavides, who analyzes the VAERS data each week is reporting many records of COVID-19 vaccines are being deleted for at least 10 weeks. So far, he discovered over 20,000 records purged from VAERS.

CLEVERJOURNEYS TIP JAR.

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Can You Answer These 4 Critical Questions Every American Must Know?

It is a simple question for Democrats, mainstream media, socialists, RINOS, and the indoctrinated, that has an easy answer.

QUESTION 1

Why is Biden’s America so Vulnerable to a “Putin Price Hike” but Trump’s America Was Not?

Biden repeatedly blames Russia’s Putin for high and increasing consumer costs of living. These outrageous prices did not occur under President Donald J. Trump’s watch.

QUESTION 2

Why are Democrat controlled cities far more dangerous to live in?

Joe Biden told us he had a plan to beat COVID-19 swiftly.

QUESTION 3

Why has Biden’s “solution” resulted in the biggest serious health spikes in American history and did not resolve COVID-19 swiftly as promised?

From (5 months after his inauguration, just to be fair) June 15, 2021 to June 15, 2022, these are the spikes in health concerns during his White House residency:

🔹Miscarriages up 279%

🔹Breast cancer up 491%

🔹1052% increase in nervous system disorders

🔹166% spike in birth defects

🔹354% increase in male infertility

🔹372% spike in testicular cancer

🔹2184% in hypertension

🔹666% spike in malignant neoplasms

🔹681% spike in multiple sclerosis

🔹568% in Guillain-Barre Syndrome

🔹472% up in pulmonary embolism

🔹311% spike in Tachycardia

🔹455% up in migraines

🔹488% increase in female infertility

🔹440% spike in ovarian dysfunction

🔹312% in myocardial infarction

🔹307% spike in Bell’s Palsy

🔹Note: only males had male concerns and females had female concerns.

QUESTION 4

Why did Biden lie about his intent to get consumer prices under control?

During his 2022 State of the Union Address, Biden told America that his “top priority is getting prices under control.”

He lied…again.

Instead, the 2023 trade policy goals of the Biden administration is a mixture of trade restrictions and domestic subsidies designed to protect and promote his politically connected industries and firms at the expense of consumers and taxpayers.

Since January 21, 2021 through June 15, 2022, these are the cost increases:

🔹Gas…104%

🔹Energy…43%

🔹Airline tickets…42%

🔹Eggs…33%

🔹Used cars…28%

🔹Car & truck rentals…27%

🔹Hotels…27%

🔹Bacon…27%

🔹Suits…26%

🔹Chicken…26%

🔹Milk…25%

🔹Beef…22%

🔹Furniture…21%

🔹Oranges…18%

🔹Tires…17%

🔹Baby food…17%

🔹Shoes…15%

🔹Soup…15%

🔹Cereal…14%

🔹Coffee…14%

🔹Bread…10%

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How are the SOB (Soros-Obama-Biden) Gas Prices Working Out For You?

Forget the propaganda churned out by the corporate news media, here are the facts about the SOB (Soros-Obama-Biden) oil and gas policies designed to socialize America towards control via “The Great Reset, and New World Order (NOW).

SOROS-OBAMA

🔹The day before Barack Obama was inaugurated regular gasoline prices across the USA were $1.87 per gallon.

🔹When Obama left the White House the cost of gas was $4.22 per gallon.

🔹Immediately upon taking office he rescinded leases for oil shale production and expedited the failed Solendro energy deal while stalling other new energy production.

🔹He urged the Senate to pass a new higher energy tax.

🔹To George Soros’ delight, Obama opposed bills to unlock American energy resources, stopped drilling and leasing through new bureaucratic hurdles, and rejected the Keystone pipeline.

PRESIDENT TRUMP

2018– The United States became the world’s top crude oil producer under President Donald J. Trump and maintained the lead position through 2020.

April 7, 2020- Americans, with the leadership of President Trump in the White House, were enjoying low gasoline prices at the pump. $1.79 per gallon

BIDEN’S BUILD BACK BETTER

Jan. 21, 2021– Biden inaugurated and immediately cancels Keystone XL pipeline. Gas is at $2.09 gallon

Jan. 27, 2021– Biden halts new oil and gas leases. $2.35 gallon

Feb. 19, 2021– Biden rejoins Paris Climate Agreement. $2.48 gallon

May 7, 2021– Biden makes 30% of land off limits to oil and gas. $2.64 gallon

June 1, 2021– Biden halts drilling in ANWR. $3.07 gallon

June 30, 2021– Nancy Pelosi’s Congress reverses President Donald J. Trump’s natural gas regulations. $3.12 gallon

Oct. 7, 2021– Biden reverses Trump’s NEPA regulations. $3.27 gallon.

Oct. 29, 2021– Biden’s Department of Interior introduces “Social Cost of Carbon.” $3.43 gallon

Nov. 15. 2021- Biden begins moratorium on drilling in Chaco Canyon. $3.80 gallon

Feb. 24, 2022- Because Russia invades Ukraine, suddenly Biden Administration and Big Oil decides gas should be over $4 a gallon. $4.02 gallon.

March 1, 2022– Biden releases oil from US Strategic Petroleum Reserve again. $4.13 gallon

March 21, 2022- Biden’s SEC proposes Anti-oil Rule. $4.24 gallon

May 12, 2022– Biden cancels all remaining lease sales. $4.48 gallon.

June 12, 2022– Price of regular gas reaches all-time historical high according to AAA. State averages  range from $6.43 a gallon in California to $4.52 in Mississippi. $5.01 gallon

Recently, Senators Steve Daines, R-Mont.; Jim Risch, R-Idaho; Roger Marshall, R-Kansas; Mike Crapo, R-Idaho; Jerry Moran, R-Kansas; Bill Cassidy, R-La.; John Barrasso, R-Wyo.; Cynthia Lummis, R-Wyo.; Kevin Cramer, R-N.D.; John Hoeven, R-N.D.; and Tom Cotton, R-Ark. wrote a letter to Biden’s Energy Secretary Jennifer Granholm demanding she must comply with the law requiring her agency to disclose the number of jobs lost when Biden canceled the Keystone XL pipeline. 

“At the time of its closure, the Keystone XL pipeline project was already under construction and employed more than 1,500 workers,” the letter read. “By the end of 2021, the Keystone XL pipeline was projected to provide approximately 11,000 jobs.”

“The closure erased thousands of real, high-paying jobs and approximately $800 million in wages,” it continued. “Significant prospective spending for rural communities and small businesses, as well as tax revenue for local schools and public safety, disappeared with the stroke of a pen.” 

“The Keystone XL pipeline was a critical investment for U.S. energy security and job creation,” Sen. Risch said in a statement. “Why the administration made the decision to prioritize Russia’s workforce and energy sector over the United States is beyond me. The Department of Energy must report back on this significant domestic loss.” 

How is the Joe Biden-Kamala Harris “Build Back Better” agenda working out for you?

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The Most Important Theme of ‘Rich Dad, Poor Dad”

Rich Dad, Poor Dad revolves around three main characters: poor dad, rich dad (Robert T. Kiyosaki’s second father) and the son (the author himself as narrator of the book). The essence of each character is:

  • Poor dad – educated but lacking the street smarts
  • Rich dad – very little education (eighth grade), tons of street smarts
  • Kiyosaki – the spectator who learns lessons from both but internalizes only rich dad’s traits

The story of Robert Kiyosaki and Mike starts in 1956 Hawaii, when both boys were a nine years old. Their first get-rich scheme was a counterfeit nickel making company. They made plaster molds of the nickels and melted lead toothpaste tubes and filled the molds to produce the nickels. Their plan was foiled by Mike’s father, who informed the boys of their illegal activity.

After that day, the boys dedicated their free time to leaning about finance and economics from Mike’s father, the rich dad. The first lesson Mike’s dad made the boys experience was hatred of the “Rat Race”. He was able to achieve this by making the boys work in one of his grocery stores for three hours for ten cents an hour pay. Within a few weeks, Kiyosaki, tired of being exploited for labor, demanded that he receive a raise, but instead, Mike’s father cut his pay and told him to work for free.

Eventually, both boys tired of being under appreciated (and unpaid) and they met individually with Mike’s father. In their meetings with rich dad, he apologized for lack of pay and he offered them either the moral of the lesson or a pay raise. Both boys chose to learn the moral of the lesson, while rich dad offered them pay raises. He started at twenty-five cents, a dollar, two dollars, and even five dollars, which would have been considered a large amount of money for an hourly wage, but the boys still remained strong with their decision to learn the moral of the lesson.

The lesson to get out of the “Rat Race” and instead of spending your whole life working to put a little money in your pocket and a bunch of money in someone else’s pocket, have people work hard to put money in your pocket. Out of all the lessons that were taught to the boys, this one was the most important.

Poor Dad

The author compares his poor dad to the millions of fathers who encourage their sons to do well in school so they could get a good job with a good company. Poor dad believed in the traditional principles of working hard, saving money, and not buying material things that one cannot afford. He believed that having a good job with a solid company is what one should aspire for; hence he expresses disappointment when his son leaves the employ of a large, reputable corporation.

Poor dad looks to education as the passport to success. He held a doctorate degree, went to Ivy League universities, but was always struggling financially. He believed he would never be a rich man and the author points out that this became a self-fulfilling prophecy. Poor dad was more interested in a good education than the subject of money. The author wrote that his poor dad would always say things like, “I’m not interested in money” or “money doesn’t matter.”

The author points out that poor dad was preoccupied with things like job tenure and security, Social Security, vacation and sick leaves, company insurance and salary raises and promotions. The author felt that his poor dad was more interested in these factors rather than on the job itself. This is what the author calls being trapped in the Rat Race.

His poor dad worked hard incessantly but somehow never made it ahead financially. Poor dad’s approach to the subject of money was based on working hard to have enough money to pay the bills (in contrast to rich dad’s approach to make one’s money work for him).

Rich Dad

The author wrote that it was when he was nine years old that he started realizing that his rich dad made much more sense than his poor dad. It was from rich dad that the author learned not to say, “I can’t afford it”, but instead to ask, “how can I afford it?” He explains this principle by relating an incident when he and his best friend Mike went to work for Mike’s father. Rich dad paid them very low wages deliberately so that would stir anger and a sense of injustice in them and eventually for them to realize that in order to get ahead, one must work for himself and not for others.

For example, in that part of the book when the author complains to rich dad that he can hardly afford to buy anything with the wages he is paid, rich dad tells him that he shouldn’t dwell on the fact that his wages are low, but instead ask “how can I make more money” because this stimulates the brain to take action. His rich dad says that when someone says, “I can’t afford it”, his brain stops working. It therefore kills initiative and promotes passivity.

The author adds that while his poor dad invested time and effort in education, he did not have any knowledge on investing. His rich dad, by contrast, was very skilled in the investment game because that’s all he did. The attitude of his rich dad about money was manifested in the saying “the lack of money is the root of all evil” (his poor dad, on the other hand, believed that the love of money is the root of all evil).

According to the author, rich dad also nurtured the idea that taxes punished producers and rewarded the non-producers. He was the type who encouraged money talk at the dinner table and was portrayed by the author as someone who learned to manage risk, instead of not taking risks.

The Son (Robert T. Kiyosaki)

The author takes a common sense approach to the subject of money and emphasizes the need for accounting knowledge so that the reader clearly understands what assets and liabilities are. He makes simple diagrams that show the inflow and outflow of money and how the rich build up the asset column and the poor build up the liability column (expenses). It is obvious that the author places much importance on accounting knowledge – no matter how boring it is – because he says it is “the most important subject in your life.”

By using numerous examples and anecdotes, the author drives home his messages effectively, revealing his pro-capitalist stance.

The author also shows his understanding of the mechanisms employed by the government and the tax man and concludes that it is the middle class that actually pay for the poor. The rich are the ones who are hardly taxed because they have the knowledge to use tax legislation to their advantage.

A Primary Theme in Rich Dad, Poor Dad

One theme that’s apparent in this book is that for an individual to be wealthy, he must aim to own the system or means of production, rather than work for another individual. The author stresses that there is obviously something confining about being an employee; it shuts the mind to other possibilities and it stunts initiative.

Financial intelligence is THE most powerful asset. By studying the precepts of accounting and investing, the author believes that individuals will be able to see the difference between an asset and a liability; in fact it is the more concrete application of learning what’s right and what’s wrong. Generating a string of expenses is wrong, building assets is right.

Unlike individuals who earn and then pay taxes on what they earn, corporations earn, spend what they want to spend, and pay taxes on what’s left. Corporations, therefore, hold a certain degree of power. The rich know how to use this power, the poor don’t.

The author also believes that true luxuries are experienced when they are the outward manifestations of intelligent investing and asset building. He cites the example of his wife purchasing a Mercedes Benz because it was the car she liked and worked hard to be able to purchase it. The author cautions however about keeping up with the Joneses and getting into debt because of this human frailty.

Fear, laziness, cynicism and arrogance are to be blamed for most of human inaction.

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Gasoline, Diesel Cost Reach Historical All Time Highs for Americans

Under the Joe Biden Administration, controlled by Barack Obama’s Deep State, US consumers paid the highest prices per gallon in history for gasoline and oil on Thursday, May 12, 2022.

Gasoline

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As Food Costs Reach All Time Highs Use Smart & Easy Shopping Tips

Food prices have seen about a 20 percent increase in prices, the highest cost increases since the United Nations Food and Agriculture Organization (FAO) began measuring it three decades ago.

Their Food Price Index is bleak enough, but the United States forecast (USDA) indicates much more increases will follow.

Tips for Grocery Shopping

Note: As a 25-year executive for the highest rated grocery chain in America, writer Jack Dennis was over the Facilities Management Division of H-E-B FOOD/DRUGS. The Texas based retailer is prominently known for their friendly people, clean facilities and good prices.

The Tuesday Benefit

If you want to shop on the least crowded day of the week, pick Tuesdays. Often you may find discounts on meats, chicken and packaged produce that are close to their expiration date. We select such items that are freezeable at a cost of 25% to 50% off regular prices.

Never Shop Hungry!

Plan your grocery shopping trips to take place after a meal, or at least an hour or two before the next one. If you shop when you’re hungry, you’re much more likely to come away with food and snacks you didn’t plan on buying.

Even if the price increase is subtle, the yearly cost for your weekly supermarket trips will be substantially more. If you depend on restaurant take-out and delivery, the price surges will be even more eye-opening.

Keep your mind and body focused on the food you need. Don’t fall victim to the traps of grocery store marketing and product placement.

🔹Make a list of the items you intend to purchase to keep you on track.

🔹Plan your meals. Prepping a batch of meals will save on time, money, and unneeded calories.

Pick The Shortest Line

No one likes waiting in a long line at the checkout stand. Experience shows it is best to choose the line with the least amount of people in it, regardless of how full their carts or baskets might be.

At H-E-B and some other chains, checkers are graded by their IPMs (Items Per Minute) across the checkstands. It takes at least a minute or two to check someone out, even if they’re buying just a couple of things. Each item only adds about 3 seconds to the total checkout time, so a cart full of items doesn’t actually take that much longer to scan.

Look Up (And Down)

Only about one-third of in-store purchases are generally preplanned. Believe me when I say grocers and product experts know where shoppers look and even which patterns their gazes follow, in order to find the optimum position for products and to drive sales.

There’s a time tested adage in the grocery industry: “Eye level is the buy level.” These shelves are prime real estate at stores, but not every manufacturer can afford to stock their products there. When you’re shopping, be sure to scan the higher and lower shelves too.

When you see items on a supermarket shelf, you are actually looking at a planogram. These are diagrams that indicate the placement of products to maximize sales.

Get Cheese Sliced

Some of the best prices on cheese are on large blocks of it, but if you’re using it for sandwiches or burgers, slicing it at home can be a hassle. Instead, head over to the deli counter and ask if they’ll slice it for you.

Be Sure About Savings

If your grocery store has a 10 for $10 promotion on an item or items, be sure to check the original price of the item. While it probably won’t be that much more than $1, you definitely want to be sure it wasn’t less.

Use Meat Department Services

The meat department at your store may offer free services that many customers don’t even know about. Most butchers are willing to slice, tenderize, trim, and even grind cuts of meat for you. All you have to do is ask.

Compare Seafood Prices

When checking out the offerings at the seafood counter, look at the small type on the labels. If a product is labeled “previously frozen,” it’s worth it to head to the frozen section of the store to compare the two prices. Occasionally seafood is slightly cheaper when still frozen, so it’s an easy way to save some cash.

Coupons

Of course, couponing is still a good idea as long as it is for an item or brand you need. Don’t forget to check in-store and online coupons.

Check The Clearance Shelves

Keep an eye out for your grocery store’s clearance section and visit it often. The marked down items you’ll find there are not necessarily about to expire—the store or the manufacturer may be discontinuing them.

Don’t Assume Bulk Is Cheaper

You know what they say about assumptions, and it’s just as true when it comes to bulk pricing. While larger quantities do often cost less, that isn’t always the case—for instance, produce items like peppers, apples, and avocados are often cheaper when purchased individually than in pre-packaged bags.

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HEB FOOD DRUGS

A Cashless Society–Something to Think Seriously About

🔹A cashless society means no cash. Zero.

🔹It doesn’t mean mostly cashless and you can still use a little bit now and then, here and there.

🔹Cashless means fully digital, completely traceable, automatically controlled.

A Cashless Society Means:

🔹No more tuck away cash for those preparing to leave domestic violence.

🔹No more purchases off market without risking bank transfer fraud.

🔹No more garage sales.

🔹No more cash donations to the homeless or the hungry you might encounter.

Popular political cartoon

🔹No more cash slipped into the hands of a child from their grandparent.

🔹No more money in birthday cards.

🔹No more piggy banks or tooth fairy for your child.

🔹No more selling bits and pieces from your home that you no longer want or need for a bit of cash in return.

🔹More difficult to tip your server, doorman, driver, luggage handler, concierge, etc.

🔹Less choices of where you shop based on affordability.

What a Cashless Society Does Guarantee:

🔹Banks and the government has full control of every single cent you own.

🔹Every transaction you make is recorded.

🔹You become more susceptible to failures and hackers.

🔹You remain susceptible to cyber threats.

🔹Your movements and actions become much more traceable.

🔹Today you can purchase whatever you want. In a cashless society, you may be limited to what the government (or regulatory agencies) allow you to purchase: rations, fuel, guns, food, medicine, etc.

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