Old, Sick & Very Broke pt 3 of 3… Michael Douville

Posted in Michael Douville with tags , , , , , , , , , , , , , , , , , , , , , , , , , , , , on August 21, 2018 by paulthepoke

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

Deuteronomy 23:20 You may charge a foreigner interest, but you may not charge your brother interest, that the LORD your God may bless you in all that you undertake in the land that you are entering to take possession of it.

https://michaeldouville.com

Continuing with the theme of rising interest rates, bad things happen to Stocks as well.

Rising interest rates compete with the dividend rate of stocks. Currently, the S&P pays a total of 1.68% for annual dividends, but accepting market risk. Currently in June of 2018, a 1 year Treasury held to maturity pays 2.34% with almost no risk. That rate has risen from 1.22% just exactly 1 year earlier.  Further, Corporations have been the largest buyer of their own company stock. Executives have realized that by borrowing money to buy company stock, they can reduce the outstanding shares and thereby raise the per share return just by maintaining the same revenue. The Executives bonus is tied to increasing share revenue which increases their bonus share offering. Everyone wins; well the executives win!

The Real Estate turmoil should be contained as a correction in an ongoing Bull Market. It could be severe! It could be scary!

However, as rates rise, it is more difficult and more expensive to borrow funds earmarked for Financial Engineering so less and less buybacks will occur at exactly the same time Central banks are reducing purchases. Share prices are directly related to profits; rising rates will deteriorate those profits. As an aside, $4 Trillion in Corporate Bonds are due to be refinanced in the next 3 years; all will be at much higher rates. Higher rates cause costs of Production, Research and Development, and all CAPEX to rise squeezing viability. Just this one HUGE change should cause the hair on the back of your neck to rise; for 10 years, rates were basically ZERO. Now they are NOT!

Retirees hold 70% of their assets in Stocks.  Prices can go down much faster than they go up. In fact, they can plummet!  This fact has been ignored for years until a 3000 point drop in 2 weeks in February 2018. UH-OH! Wake Up! Historic Margin debt may be one cause of these sharp air pocket declines. Leveraging an Equity position is oh so fun as the market expands to new levels.  A reverse of trend will intensify and magnify the losses. Margin calls will force sales which forces prices down which forces sales. A very bad spiral.

Boomers have watched this Movie before; get out of the way! Take Profits! Remove some portion of the portfolio to safety.

Higher rates will impact the Real Estate asset class as well. Fewer families will be able to afford a home of their own as the Affordability Index is directly correlated to payment levels. Fewer buyers qualifying places pressure on prices. Property in overheated markets will be at risk. Luxury homes will become less affordable.  Already our neighbors to the North are experiencing declining sales in Toronto and Alberta. New York City is starting to feel pressure in the luxury condo market as new units come onto the market already crowded with existing units. The Real Estate Cycle is long; 18.5 years.  The last Real Estate Bubble scorched the Earth when it failed, but that was only 9 years ago. Too early for completion of that cycle.

However, the timing would be perfect for a Real Estate correction which typically occurs 7.5 to 9.5 years from the bottom.  Just as a reminder, the bottom was January 2010, give or take a few months.  Simple math places the Real Estate Cycle in the middle of the Jeopardy Period; perfectly matching the expected Epic completion of both the Stock and Bond Markets.

The Real Estate turmoil should be contained as a correction in an ongoing Bull Market. It could be severe! It could be scary!  It will be a Generational buying opportunity for those with vision and courage; also surviving Capital!!! Remember the Affordability Index that should start to close families out of the buying market. They will become TENANTS!!! Long term TENANTS!! Fortunes will be made!!! Not only huge Capital Gains as the Real Estate Cycle moves out of the correction phase, but CASH FLOW! Increasing CASH FLOW.  More revenue each year, growing earnings. If a little leverage is used, the tenants PAY OFF the Mortgage! Remember the Bengen Rule with 4% fixed for life depleting in 30 years? Throw it out!!! Not only will the rental revenue grow and grow providing more and more cash each month, but the loan is being paid off.  A simple 20% down payment becomes a 100% after 30 years; multiplying by 5 times!!! Rentals are easy! Rentals are Profitable! Rentals are run by Property Managers, NOT you!!!

Consult with your Professional about an Exit Strategy for the Stock and Bond Markets. Take Profits and preserve your Wealth! Move your assets into a different Asset Class that has a much longer horizon for Wealth and Income forever!!!

https://michaeldouville.com

Advertisements

Our Daily Bread, Stress Management… Paul Beverly

Posted in Our Daily Bread, Uncategorized with tags , , , , , , , , , on August 19, 2018 by paulthepoke

Are you tired & mentally drained? Are you exhausted from worry & stress? Give it to God & have faith in His plans for you. Step back & wait for His clear answer & know He has your back, if you let Him.

When doubt & worry start eating away at you, go to God. Give it all to Him & never doubt His love for you. Have faith that He will bring you through it. Nothing is too big or too small for Him!

Stress

Matthew 11:28. Come to me, all who are weary & burdened, and I will give you rest.

Philippians 4:13 I can do all things through Him who strengthens me.

1 Peter 5:7 Casting all your anxieties on Him, because He cares for you.

Have a restful and doubt free week my friends!!!

Trend Update: God’s Fall Appointments, 5779/2018

Posted in Fall Feasts, Prophecy, Trend Update with tags , , , , , , , , , , , , , , , , , on August 18, 2018 by paulthepoke

God’s fall appointments are the Feast of Trumpets, the Day of Atonement, and the Feast of Tabernacles. Below is a brief 10 minute video that provides a framework for God’s fall appointed holidays. http://www.theseasonofreturn.com

 

Numbers 29:1 ‘Now in the seventh month, on the first day of the month, you shall also have a holy convocation; you shall do no laborious work. It will be to you a day for blowing trumpets.

See also Leviticus 23:23-25.

The first fall holiday has many names. It is called the Feast of Trumpets by Christians. It is recognized as the Jewish New Year, Rosh Hashanah. Some refer to it as the “Hidden Day” or the “Wedding of the Messiah”. In Judaism, it is called Yom Teruah which means the “Day of Blowing”.

It is the beginning of the civil new year. This is the Hebrew month of Tishri. It is the Hebrew year 5779.

The date for Yom Teruah is near Sunday, September 9 or Monday, September 10, 2018 (traditional Gregorian calendar). This date is confirmed pending the sighting of the new moon. The new year begins when the new moon is confirmed by two witnesses. The confirmation of the new moon will ultimately determine the dates of the subsequent fall appointments.

https://paulthepoke.com/2014/09/07/yom-teruahrosh-hashanahfeast-of-trumpets-part-1/

https://paulthepoke.com/2014/09/14/yom-teruahrosh-hashanahfeast-of-trumpets-part-2/

https://paulthepoke.com/2014/09/28/yom-teruahrosh-hashanahfeast-of-trumpets-part-3/

The second fall holiday is the Day of Atonement. See Leviticus 16. Yom Kippur or the Day of Atonement is celebrated on Tishri 10th. It is the last day of the 40 day period of Teshuvah or repent in the Hebrew. This holiday is viewed at the holiest day of Judaism. The day is a Sabbath day of rest. Yom Kippur is the only day a fast is required. The day begins at sun down. This is the busiest day of the year for the high priest with multiple animal sacrifices. The beginning for the Day of Atonement in 2018 is Tuesday, September 18 or Wednesday, September 19 at sun down. This date is ultimately determined by the confirmation of the new moon.

https://paulthepoke.com/2014/09/21/yom-kippurday-of-atonement/

Leviticus 23:33-36 Again the LORD spoke to Moses, saying, “Speak to the sons of Israel, saying, ‘On the fifteenth of this seventh month is the Feast of Booths for seven days to the LORD. On the first day is a holy convocation; you shall do no laborious work of any kind. For seven days you shall present an offering by fire to the LORD. On the eighth day you shall have a holy convocation and present an offering by fire to the LORD; it is an assembly. You shall do no laborious work.’”

The third and last fall holiday on God’s calendar is Tabernacles. It is also called Sukkot, the Feast of Booths, the Festival of Tents, or the Feast of the Harvest because it was after the harvest in the fall. Simply put, it was also called “the feast” or “the festival”. This festival is a week-long festival from Tishri 15 to 21 on a Hebrew calendar. On our western Gregorian calendar, in 2018, the Feast of Tabernacles will be observed from Sunday, September 23 or Monday, September 24,  again pending the new moon confirmed at the beginning of the Hebrew month of Tishri.

https://paulthepoke.com/2014/10/05/feast-of-tabernaclessukkotboothsthe-feast/

https://paulthepoke.com/2014/06/09/isaiah-12-jesus-and-the-water-of-life/

There are seven God appointed holidays communicated through the Old Testament Law. The first four were fulfilled to the day by Jesus Himself with His death, burial, resurrection, and the giving of the Holy Spirit. If the first four spring holidays were fulfilled on the God appointed holiday, why would the fall holidays be any different?

 

Rapture Promo

Available in ebook and paperback at Amazon.com

https://www.amazon.com/s/ref=nb_sb_noss_2?url=search-alias%3Daps&field-keywords=Rapture+Bride+Redeemed

https://www.smashwords.com/books/view/731160

Also available online at Barnes & Noble, iBooks, Kobo, and Inktera

Human Trafficking, Up Close & Personal

Posted in Christine "Clarity" McDonald, Culture, Uncategorized with tags , , , , on August 17, 2018 by paulthepoke

Colossians 4:5–6 Let your conversation be always full of grace, seasoned with salt, so that you may know how to answer everyone.

Christine McDonald

Featuring Christine Clarity McDonald

Christine has been recognized by the Missouri House of Representative for outstanding civil service in the state of Missouri. She is an advocate for Mental Health Champions.

Human trafficking is a topic that has been making its way into the mainstream over the last several years. The awareness of this issue is greatly rising, and that is certainly good. As awareness about human trafficking and other marginalized populations—such as the homeless, addicted, and mentally ill—has risen, so has the impulse to address these real problems. People want to know how to help. They want to make a difference.

I have read a number of books about how to help the homeless, the commercially exploited, the prostituted, and those generally marginalized. Some have been written by authors who share their own journey out of these places of darkness and hopelessness. The majority, however, have not.

Most of the literature that exists in this field fails to inform and educate people from an insider perspective. The authors of most of these books do not write from personal experience. They haven’t felt the desperation of trying to find something to grasp hold of to continue living. They haven’t faced the barriers put up by service providers that prevent them from receiving services. They haven’t experienced the social and spiritual disenfranchisements that can occur. While they are well–meaning, I haven’t found these particular books accurate in their depictions, nor were their “helping” suggestions all that helpful.

Human_Trafficking_0

The need for something more true–to–life has stirred in my heart. It is something I have prayed about often. Perhaps a book on this subject should be written by someone who has walked in the very shoes of those we are trying to help. If we can see and understand the journeys the forgotten and overlooked have walked, then we can better understand the rejection, hurt, and struggles they face when people attempt to reach out to them.

And so I find myself writing this book, sharing pieces of my journey and the stories of others I encountered on my journey, to help the world better understand the thoughts, feelings, and struggles of those who have been exploited and marginalized in our society.

“Love your neighbor… ALL of ’em!” -Christine “Clarity” McDonald

Read more at…

 

Hebrew Mazzaroth, Arranged by Phil Kulis

Posted in Phil Kulis, Signs: Sun, Moon, Stars... with tags , , , , , , , , , , , , , , , , on August 15, 2018 by paulthepoke

These are the main constellations of the Mazzaroth. Major stars and the meaning of the star’s names are completed within the constellation.

Virgo, The Seed of the Woman
– Spica = the Branch

Libra, The Required Price Paid
– Zuben alChemali = the price which is deficient
– Zuben alGenubi = the price which covers

Scorpio, The Mortal Conflict
– Antares = the wounding
Decan to Scorpio is Ophiuchus,
– Ras El Hagus = He who holds

Sagittarius, The Final Triumph
– Naim = the Gracious One

Capricorn, Life out of Death
– Al Gedi = Cut off
– Dabih = the Sacrifice slain

Aquarius, Blessing out of Victory
– Sadalmelik = the Record of the pouring out
– Sadalsuud = He who pours out
– Sheat = Who goes and returns

Pisces, Deliverance out of Bondage
– Okda = the United
– Alsamaca = the Upheld

Aries, The Sacrifice, Glory out of Humiliation
– Elnath = wounded, slain
– Sheretan = bruised
– Mesartim = the bound

Taurus, His Glorious Coming
– Al Deberan = the Govenor

Orion, Coming forth as Light
– Betelgeuse = The Coming of the Branch
– Rigel = The Foot that Crushes
– Bellatrix = Quickly Coming, Swiftly Destroying
(Note Orion is a decan constellation)

Gemini, His Rule on Earth
– Pollux = Wounded, Afflicted
– Castor = Ruler, Judge

Cancer, His Possessions Held Secure
– Tegmine = Holding
– Acubene = Sheltering, Hiding
– Ma’alaph = Assembled Thousands
– Praesepe = Multitude

leo_black

Leo, His Enemies Destroyed
– Regulus = Treading Underfoot
– Denebola = The Judge who Comes
– Algiebha = The Exhaltation

 

It’s interesting to note that Ophiuchus, the decan to Scorpio, is restraining the serpent with his heel on the scorpion. The star Antares meaning wounding is the foot of Ophiuchus and the head of Scorpio.

Also, Sagittarius the archer’s arrow is pointed at the heart of Scorpio.

Maybe meant to be part of the same since they share a major star and this prophecy.

Genesis 3:15 And I will put enmity between you and the woman, and between your seed and her seed; He shall bruise you on the head, and you shall bruise Him on the heel.

 

philkulis-pic

 

https://paulthepoke.com/category/signs-sun-moon-stars/

Turkey: Sovereign Systemic Trouble?

Posted in Ezekiel 38-39, Prophecy, Trend Update with tags , , , , , , , , , , on August 13, 2018 by paulthepoke

Featuring: Michael Douville, Paul Lehr

https://michaeldouville.com

Ezekiel 38:1-3 The word of the Lord came to me: “Son of man, set your face toward Gog, of the land of Magog, the chief prince of Meshech and Tubal, and prophesy against him and say, Thus says the Lord God: Behold, I am against you, O Gog, chief prince of Meshech and Tubal.

Ezekiel 38:6 Gomer and all his hordes; Beth-Togarmah from the uttermost parts of the north with all his hordes—many peoples are with you.

The brothers of Magog (Meshech, Gomer, and Tubal) appear to point to modern day Turkey.

For more evidence pointing to modern day Turkey, see the link below.

https://godinanutshell.com/2017/08/08/ezekiel-38-who-are-meshech-tubal-gomer-beth-togarmah/

 

The strategically important nation of Turkey is in Trouble; big Trouble!  Turkey has threatened to invade Greece, has threatened Cyprus and oil explorers Exxon Mobil, Eni, and France’s Total for exploring in the Mediterranean; going so far as to threaten to sink oil rigs and Hydrocarbon Survey ships before the US 6thFleet intervened.

Turkey has invaded Syria and attacked the Kurds in Iraq as recently as last June. The Government of Erdogan seems to be searching for an external enemy; a classic diversion from an Economic Decline that may be inevitable.

You do not talk nice enough and do not give us enough respect; you are so mean to us! We may not pay the money we owe you and it’s YOUR fault!

Turkey is in trouble economically as it’s currency, the Turkish Lira, plummets in value causing massive internal inflation as the prices of raw materials, energy, and of course food and gasoline skyrocket.  A plummeting Lira means more than just higher and higher prices for the populace, it means more Lira are needed to pay back International Loans denominated in US Dollars. The Lira dropped almost 20% Friday August 10th; Turkey owes $240 Billion US Dollars.

The decline of the Turkish Lira makes repayment more and more difficult.  The US Dollar exchange reached a high of 6.43 Lira to the dollar; a loss of 40% so far this year.  Loan repayment has jumped 40% in just 8 months!!!! The Turkish Sovereign 10 year bond has hit a record of 20.67% from 11.5% in January.

Rising rates are a direct indicator of Market Risk. Mr. Market is stating Turkey will struggle to pay it’s Debt. These loans are never repaid, just rolled over; 20%+ is definitely a danger zone!  Turkey has defaulted and not paid it’s debt 5 times in the last 100 years. A Turkish default will rock the Global Economy and hit the European Banks particularly hard.  Italian Banks have been in the news recently and not in a good way; 20% are reported to be struggling with solvency. Deutsche Bank of Germany has recently closed offices and furloughed 10,000 employees; none can easily afford Sovereign Debt losses. These are Systemically Important Financial Institutions! A Turkish default or even the thought of a default should send shivers down your spine.

An authoritative ruler who has replaced the head of the Central Bank with his son-in-law, who is threatening neighboring nations, who is threatening the US,  who has a crumbling domestic economy that is heavily debt ridden may be looking for an excuse to blame others and not repay those that have wronged him.  You do not talk nice enough and do not give us enough respect; you are so mean to us! We may not pay the money we owe you and it’s YOUR fault! Pay attention! Everything is connected. Turmoil will cause the US Dollar to get stronger;  maybe a lot stronger!

 

Ezekiel 38:13 Sheba and Dedan and the merchants of Tarshish with all its villages will say to you, ‘Have you come to capture spoil? Have you assembled your company to seize plunder, to carry away silver and gold, to take away cattle and goods, to capture great spoil?

Turkey’s economy is struggling for the reasons stated above. Sanctions against Iran are taking their toll on their economy. The Iranian currency continues to get pummeled against the US dollar. American economic sanctions against Russia are taking a bite out of their economy.

Ezekiel says Russia and its cohorts invade Israel for economic reason.  Five times in Ezekiel 38:13, verbs of the verse indicate taking goods from Israel.

‘Have you come to capture spoil? Have you assembled your company to seize plunder, to carry away silver and gold, to take away cattle and goods, to capture great spoil?

With struggling economies of the modern day countries involved, Ezekiel’s prophecy is making more sense every day…

https://michaeldouville.com

 

Our Daily Bread, Manipulation & Control… Featuring Paul Beverly

Posted in Our Daily Bread with tags , , , , , , on August 12, 2018 by paulthepoke

wire hangersUsing manipulation & guilt to control someone doesn’t make that person strong, it makes them an insecure weak jerk. God didn’t make you to be controlled. Do not allow anyone to have that power over you. Control does not equal love.

Not everyone will be for you & that’s okay. Do not give them or their words power over you. Their assumptions do not define you at all.

freedom-converted

Those that love you & matter see you for who you truly are. Be happy in that. You can’t defeat hate with more hate, spread love.

Galatians 5:1 For freedom Christ has set us free; stand firm therefore and do not submit again to a yoke of slavery.

Proverbs 21:6 The getting of treasures by a lying tongue is a fleeting vapor and a snare of death.

Proverbs 18:2 A fool takes no pleasure in understanding, but only in expressing his opinion.

Matthew 7:1 Judge not, that you be not judged.

Have a loving week my friends!!!

 

PaulthePoke

Prophecy Watch

God in a Nutshell project

A Trey Smith project

%d bloggers like this: