Dear Walk Show Family:
See, I am sending you out like sheep among wolves. So be as cunning as serpents and as innocent as doves. (Jesus Christ, in Matthew 10:16–ISV)
Ever awaken in the morning and pray, “Lord, make me cunning today!”? Until I spent two months in the hospital recently, such a prayer would have been unthinkable. . . but no longer! In fact, I now regularly pray that prayer, and in answer to that prayer I have discerned how you can make some big bucks just by employing some “sanctified cunning” in dealing with your financial affairs in the setting of our deeply corrupt governmental and financial sectors.
After strokes which injured both sides of my brain last December as a consequence of a succession of botched medical procedures, at first my prayer was, “All I want for Christmas is my mind back!” I never got bored in the hospital, therefore, because 24/7 I found myself constantly sorting, sorting, and re-sorting my perceptions of reality. As this talk show host learned how to walk and talk better again, I began to perceive my brain injuries to be one of the best things that ever happened to me, as they forced me to reevaluate just about everything in both my left- and right-brain perceptions from my background as a white, Republican, Protestant, Evangelical Christian–including being introduced to the following, most-unusual and unexpected, revelation concerning “cunningness.”
Jesus Christ is Cunning and He Wants Us to Be, Too!
Then, a good friend, Steve McPhail, tossed me a hand grenade entitled Beautiful Outlaw: Experiencing the Playful, Disruptive, Extravagant Personality of Jesus. The author, John Eldredge, shares an out-of-my-box perspective of Jesus Christ that introduced me to the possibility that Jesus Christ Himself was not only cunning over and over again, but that He wanted us, too, to become cunning! In the process, I’ve discerned that nowhere is this divine cunningness more valuable than in the fiscal arena upon which Jesus Christ concentrated so much of His attention and teaching.
My first experiment with cunningness took place in the hospital itself. Every morning when the nurses reverently flooded the stroke acute therapy dining room with their medical-religion’s sacred sacraments otherwise known as pharmaceutical drugs, I started referring to their ministrations as “High Communion.”
My perpetual sorting was leading me to the incremental conviction that the medical community had the “side effects” and the “real effects” all mixed up! Actually, the drugs’ “side effects,” were proving to be, in reality, the main effects, and the main effects were found to be poisoning! (“Side effects may include vomiting, rashes, drowsiness, liver failure, impotence, heart attacks, strokes, or death, so please consult your physician before taking that pill!”)
So, I started questioning each day’s reverent, drug-dispensing ceremonies with such questions as, “Will these drugs deliver me from the consequences of my sins without touching the sins?” Most nurses didn’t get it, but a few started to. The head nurse frontally took the bait and declared, “Why, of course! They will actually provide you absolution from your sins!” Although that was a greater claim than that about which I had queried, from then on in the mornings the head nurse would march confidently into the room with the loud announcement, “Time for High Communion!”
Ever since then my number one rehabilitation objective has been to get free from the poison therapy.
The Apostle Paul was Cunning
The crowd listened to Paul until he said this. Then they raised their voices and shouted, “Rid the earth of him! He’s not fit to live!” As they were shouting and throwing off their cloaks and flinging dust into the air, the commander ordered Paul to be taken into the barracks. He directed that he be flogged and questioned in order to find out why the people were shouting at him like this. As they stretched him out to flog him, Paul said to the centurion standing there, “Is it legal for you to flog a Roman citizen who hasn’t even been found guilty?” When the centurion heard this, he went to the commander and reported it. “What are you going to do?” he asked. “This man is a Roman citizen” (Acts 22:2-26)!
Unprecedented “Free Money” Now Available with your Mortgage Refi or Purchase
So, why can’t we become as cunning as the Apostle Paul did toward the oppressive Roman Republic as we deal with our own criminal American Republic? Is there some way we can cash in on our leaders’ Unconstitutional, lawless folly and beat them at their own game? We can if we act quickly enough! May I suggest, to do so is being “cunning as serpents and harmless as doves.”
One of my financial mentors, Mike Dillard (who buys appreciating commodities with depreciating dollars as fast as he can), reports he has made over a 310% return on his investments since 2008, during the same time frame it took most of the rest of us to lose at least 30% of our shirts. To me, that’s pretty cunning! Mike said recently:
We’re living through the greatest wealth transfer in the history of mankind. It will cause unprecedented destruction to most, and unprecedented opportunity for a few.
The big question is: Will you and I be found among the “most” or the “few”? “
“Have I Got Your Interest Yet?” (Uncle Sam)
The current interest-rate fiasco affords us one cunning opportunity for the wise among us to get our houses in order financially. So, before we discus “investments” per se, the best and first thing we can do is consolidate our debts, then leverage them to our own financial benefit!
If you’re getting your mortgage at a rate equal to or less than the inflation rate, in effect you’re getting “free money”! That’s because you’re able to pay off the mortgage with ever-cheaper dollars–just like The United States and the privately held Federal Reserve are doing to our foreign-creditor nations by, in my opinion, intentionally steering the nation toward inflation to pay off our national debt!
Right now, however, we are actually in a narrow “window of opportunity” wherein it is even possible to, in effect, be paid to take out a mortgage! As our mortgage expert, Debbie Sheets, reports in her Q & A below, we’ve got very few days, indeed, to either lock in or leave this amazing, once-in-a-lifetime opportunity.
It Has Happened in 100 Nations 100 Percent of the Time
Let’s face it: mortgage rates are at the unprecedented low of our entire lifetimes. Through the corruption of our banks and their bedfellows in government, Americans have been stripped of our wealth through governmental/banking scam after scam—from the Federal Reserve’s funny money to history’s largest Ponzi scheme, Social Insecurity, where our lifetime investments have been first stolen, then squandered. For more on this, see my article, “Chicken Little Was a Prophet!” In the process, interest rates have been artificially held outrageously low, but it won’t–in fact, it cannot–last that much longer before massive inflation sets in. (It has happened in 100 countries, and it will continue to happen 100% of the time when governments like ours remove the value-backing to our currency.)
President Nixon did it in 1971 when he took us off the gold standard well after FDR stole all the privately held gold in the country. Ever since, this has enabling the unscrupulous among us to resort to printing Trillions in fiat, paper money (or its digital equivalent). Such “quantitative easing” (now in “unlimited” form at $40B-plus per month indefinitely) will always reduce the value of any currency eventually right down to its intrinsic worth–that is, the price of the paper and ink alone! Ask the Weimar Republic (enter Adolph Hitler), Zimbabwe (enter Robert Mugabe), and now, The United States (enter [name your desired dictator here]).
As more and more dollars chase the same amount of goods and services, what happens? Of course, a bubble forms, as the flood of money forces prices upward, but not indefinitely. The bubble eventually pops!
Our Defense Against Further Evil Manipulations of our Money
For years in our Walk Show “Loan Watch Program” (where we certify and monitor the progress of Loan Officers in closing your mortgage loans), I have found myself saying to you, “Mortgage rates are at the lowest level of our lifetimes, so now is the time to refinance or make that new-home purchase.” Then came the massive acceleration of governmental and banking corruption, resulting in deluded, delirious, and devilish manipulations of the financial marketplace.
With such evil manipulations, mortgage rates have continued to stay artificially low for a lot longer than most of us expected—to the degree that the Federal Reserve overnight bank rate continues at 0.25% for well more than a year now.
Even today, think about the government’s supposed “inflation rates.” Do they reflect your day-to-day experience? Instead of the “smoke and mirrors” of the government’s “Consumer Price Index” (or CPI), think about your own “gas and groceries.” The government’s “Consumer Price Index” (or CPI) was 3.1% in 2011, but according to the American Institute for Economic Research’s “Everyday Price Index” (or EPI), it was actually 8% in 2011!
Who among us would be shocked to hear that in recent times our food prices have risen 48%, our energy prices 23%, and our gas a whopping 68%?! Even now, inflation continues to gather steam exponentially. For instance, the World Bank reports that worldwide food prices jumped a full 10% between June and July of this year alone! And, The United Nations Food and Agriculture Organization estimates that average worldwide food prices will rise 14.1% by next summer, far outpacing cost-of-living raises in salaries, unemployment benefits, and welfare programs.
Since we’ve allowed the Fed and the feds to rape and pillage us for 95 cents out of every American dollar over the last 100 years–plus they’ve heisted every dime of our lifetime Social Security “savings”–why should we presume such unrepentant thieves will break their pattern and tell the truth to us on such things as the unemployment and inflation rates? And, instead of remaining victims, why don’t we become a little bit cunning in the midst of our predicament?
Even Bill Clinton Acknowledges the Reality
Even some Democrats are starting to acknowledge the pickle we’re in: Take Bill Clinton’s highly praised speech at the Democratic National Convention, for example. It took some guts for Clinton to stand up and point out this scary truth that is being almost totally ignored by both the Obama and Romney camps.
In his speech, notice that Clinton mentions inflation, debt, interest rates below the rate of inflation, along with his oblique allusion to what I call “the silver lining of free money” which hopefully will hang in there for at least the next few weeks between the DNC and the Presidential election (IMPORTANT: See Debbie Sheets’ Mortgage Q & A’s below).
Here are Clinton’s exact words at the DNC:
Now let’s talk about the debt. Today, interest rates are low, lower than the rate of inflation. People are practically paying us to borrow money, to hold their money for them. But it will become a big problem when…interest rates start to rise. We’ve got to deal with this big long-term debt problem or it will deal with us. It’ll gobble up a bigger and bigger percentage of the federal budget…
Your Short-Lived Opportunity to Take Advantage of the Economic Trend Hyperinflation occurs wherever nations have employed inflation as a means of governments paying down their debts on the backs of the poor people (that’s us!) who pay for the devaluation of the dollar with rising prices for the things they/we need.
What if under Obama or Romney the inflation rate grows back to or likely surpasses 21.5%, as it was in December of 1980 under the Carter Administration? Well, if you lock in your mortgage loan at 2-4% today, then you’re going to be a whopping 10-to-20-plus-percent ahead of the game when interest rates spiral upward.
That’s why, even at today’s inflation rates, I can make such a bold assertion that you can actually get paid today—and tomorrow big time—by taking out a mortgage loan today! So, what if our dollar is reduced, as it must, to only the intrinsic value of the paper and ink backing it? How long do you think it would then take you to pay off your mortgage?
We’ve seen pictures of people in hyper-inflation carrying around suitcases or even wheel barrows of paper currency just to buy essentials, like a loaf of bread. May I suggest that our own inevitable hyperinflation could reduce mortgage-payoff terms from years down to months, weeks, or even days?!
The uber-rich understand these dynamics: instead of buying their mansions outright, they borrow the money at super-discounted rates and keep their cash working for them at much higher returns elsewhere. Fortunately, even a monkey could be trained to do that if you fed him enough bananas!
In my opinion (and that of Becky Sheets, our mortgage authority quoted in the article below entitled, “Some Crucial Mortgage Q & A’s from Our Newest Walk Show ‘Loan Watch Program’ Loan Officer”), you have a matter of days–or at the most, weeks–in which to reposition your mortgage effectively for the Dominoes of financial crises directly ahead.
Restructuring/consolidating your debt is an obvious first step.
Other steps are sure to follow, and we’ll be outlining them in our next Walk Show Family Reports, if you’re still subscribed to this free service. To stay subscribed, again, and not be cut off, please send us your name, address, phone number, and email address to: Ken@TheWalkShow.com. We do not share or sell your confidential information to third parties.
Some Crucial Mortgage Q & A’s from Becky Sheets, Our Newest Walk Show ‘Loan Watch Program’ Loan Officer”
I’ve known Becky Sheets for about two years now. She is currently a Loan Officer (LO) with Alpine Mortgage, and she is one of the LO’s we have certified to help our Walk Show audience through our “Loan Watch Program.” As a retired LO myself, I monitor her progress throughout the loan process—assuring you that you get the very lowest rates, full disclosure of all fees, and no unnecessary changes in the game plan.
This is Your Last Chance!
But, in my opinion you have only a few days left to lock in a loan rate that will likely serve you phenomenally in the near future. What this means is that we are now in the historically unprecedented position of, as President Clinton suggests, people “practically paying us” to borrow money! So, here are Becky’s responses to my questions on your behalf:
KEN: What’s happening with rates?
BECKY: They are truly at an all-time low. I don’t expect it to stay that way much past the election, regardless of the outcome. The Federal Housing Finance Agency (FHFA) is raising their Guarantee Fees for any loans sold after November 1st, which is an indicator that rates will likely go up.
KEN: How easy is it to get a mortgage right now?
BECKY: We are back to what should have been the protocol or “normal” before the mortgage meltdown. We are back to the basics with needing good credit and solid income. There are still low down-payment options, and you don’t have to have perfect credit, however, the last 2 year credit history is the most important.
KEN: What obstacles must consumers overcome to prepare themselves for getting a mortgage?
BECKY: Any derogatory credit history may need explaining. Credit collections are no longer ignored by lenders anymore. They need to be paid off before your loan is approved. Self-employed borrowers have a harder time qualifying because of the deductions many take, and the fact that we take a two-year average of the adjusted gross income. People who have recently been through a short-sale must wait two or more years before buying again.
If you would wish to be cunning, too, contact me quickly with your scenario at The Walk Show “Loan Watch Program” and I’ll put you in touch with a certified Loan Officer in your region—like “the best of the best,” Becky Sheets!
Pullin’ and Prayin’ with and for you,
“Looking for Those Who Walk The Talk”
P. S. Remember, you can either subscribe to The Walk Show Family Report or protect your past subscription by emailing Ken@TheWalkShow.com with a “SUBSCRIBE” notice in your subject line, then provide us with your name, phone number, and best email address for your subscription. To be taken off our Walk Show Family Report e-list, merely enter “UNSUBSCRIBE” in the subject line in an email sent to: Ken@TheWalkShow.com. In following issues of The Walk Show Family Report, we will expand into the next in the succession of steps you can take to brace yourself and thrive in the times of great shaking immediately ahead.