'Last' 'Latter' 'End of' Days

America is economically and politically bankrupt. The Worst Credit Crisis Of Our Lifetime Is About To Collapse The Standard Of Living In America.

America is NOT mentioned in the Bible. Why? Discernment.

America (5) Divided, Split, Cut, or Fractured and Separated into FIVE ‘5’ Pieces:

Zechariah 12:3 And in that day will I make Jerusalem a burdensome stone for all people: all that burden themselves with it shall be cut in pieces, though all the people of the earth be gathered together against it.

Paul Rolland | Night Watchman Ministries |MbS Confirms the False Peace Covenant For Seven Years

Matthew 12:25 And Jesus knew their thoughts, and said unto them, Every kingdom divided against itself is brought to desolation; and every city or house divided against itself shall not stand:

Paul Rolland | Night Watchman Ministries | Divided Untied America

Mark 3:24 And if a kingdom be divided against itself, that kingdom cannot stand.

Mark 3:25 And if a house be divided against itself, that house cannot stand.

Luke 11:17 But he, knowing their thoughts, said unto them, Every kingdom divided against itself is brought to desolation; and a house divided against a house falleth.

Luke 12:53 The father shall be divided against the son, and the son against the father; the mother against the daughter, and the daughter against the mother; the mother in law against her daughter in law, and the daughter in law against her mother in law.

The US Government has become politically divided and is in discord and disunity. The political division affecting and splitting America is a direct result of its efforts to ‘divide Jerusalem’ via the ‘Deal of the Century’ or the regional covenant of peace and security in the Middle East. Throughout scripture, God has made it abundantly clear that Jerusalem is the ‘apple of his eye’ and has his stamp of ownership on it … above all other cities on earth. God makes it adequately clear in Zechariah 12:3 that any nation that attempts to cut or divide up Jerusalem, will themselves be cut up or divided. As such, the US is cut or divided politically because of its leadership role in attempting to split God’s Holy City of earthly Jerusalem. Plain and simple.

The New Madrid Fault Line and Impending Doom. Pastor Robert Breaker

OK. So it’s clear about the accelerating implosion of political unity in the US. Political discord will get worse and become angrier, antagonistic, confrontational, and hateful with little to no compromise, concession, agreement or unity. Contempt and distrust rules the day. Some would say this is already the case not only between Democrats and Republicans, but also within each party. Whether you believe the US being extremely divided is a result of God’s wrath for its role in dividing Jerusalem or not, it doesn’t matter. The fact remains that the US is becoming bitterly more and more divided. This division has also taken place in culture (LGBTQP+ social inclusiveness agenda), economics (income inequality), etc. The list can go on. America is divided on so many levels, not just politically.

Why is there no mention of the ‘United’ States in Bible Prophecy?

Prophetic Discernment: Seven (7) year ‘book-end’ solar eclipses, August 2017 to April 2024. God’s divine completion to His plan or purpose for the once powerful and great ‘United’ States. Seven (7) spirits affected; Financially, Politically, Militarily, Geographically, Geo-Politically, Spiritually and Socially. No further need of the United States to be Israel’s ‘Big Brother’ watching over her and protecting her and giving her financial aid. By the start of 2024, the once ‘United’ States will have descended into anarchy, chaos, rebellion, the bottomless pit, despair, insolvency and strife. And irrelevancy, divide, confusion, bitterness, family against family and against its self, discord and despondency. For 70 (7) years, the United States was Israel’s ‘worldly’ protector and benefactor (1948-2018). The American ‘millennium or empire’ lasted from 1620 to 2020. 400 years. America has been wandering ‘in the desert’ for 400 years and time has expired. 40(0) is a time or period of ‘trial or testing.’

Earthquake (7) in the Middle of the ‘Untied’ States

Watchman Mr. Greg Laurie ‘All the More Urgent’ Monday, January 18, 2021

“This is all the more urgent, for you know how late it is; time is running out. Wake up, for our salvation is nearer now than when we first believed” (Romans 13:11 NLT).

I think we could make a very good case for finding Russia in Bible prophecy. I think we could make a pretty good case for finding China in Bible prophecy. And we certainly could make an airtight case for finding Iran in Bible prophecy—and Israel as well. But we cannot find the United States of America.

How is it that the reigning superpower on the planet today doesn’t seem to be mentioned?

No one knows the answer, but let’s consider an option. What if the Rapture were to take America out of its lead role?

There are approximately 328.2 million people in the United States. For the sake of illustration, I’ll round that number to 300 million. I don’t know how many are followers of Christ, but I read recently that 65 percent of Americans identify as Christians.

To be very conservative, let’s say that 10 percent of the people in the United States of America are Christians. Now, imagine for a moment what would happen if 30 million people (or more) suddenly were to leave Planet Earth in the Rapture—people who work in industries, government, the military, and every area imaginable.

Do you think that would affect our nation?

Of course it would. Effectively, America would collapse overnight.

I don’t know the reason our nation isn’t mentioned in Bible prophecy, but I do know this: Jesus Christ is returning. The Bible says, “This is all the more urgent, for you know how late it is; time is running out. Wake up, for our salvation is nearer now than when we first believed” (Romans 13:11 NLT).

If you’re a believer who’s living a compromised life, you need to repent and get right with God. And if you don’t have a relationship with Jesus Christ, then you’ve got to wake up and get right with God. Wake up. Jesus is coming. Are you ready?

Two Choices Before Us Tuesday, July 4, 2023 Greg Laurie
No country lasts forever. Rome once was the reigning superpower on earth, with the most powerful military anywhere. But before Rome collapsed externally, it collapsed internally. In The Complete Story of Civilization Historian Will Durant said of Rome, “A great civilization is not conquered from without until it has destroyed itself within. The essential causes of Rome’s decline lay in her people, her morals, her class struggle, her failing trade, her bureaucratic despotism, her stifling taxes, her consuming wars.”

The difference between Rome and the United States is that we initially built this nation on a Judeo-Christian foundation. But we have strayed dramatically from the original vision of our Founding Fathers that produced this place we call the United States of America. I think we would do well to look at the soul of our nation right now. What once was freedom of religion seems to have become freedom from religion.

Our society has succeeded in getting God out of our schools, out of our sporting events, out of our public places, and out of our workplaces. But here’s what we need to remember. The freedom we enjoy today is built on the foundation of absolute truth. And when you remove that foundation, this freedom actually can turn into anarchy. People in our nation are saying they don’t like the idea of things that are right and things that are wrong.

They don’t want to live by those standards anymore. Instead, they want to live according to moral relativism so they can choose their own truths. The United States of America, like every other nation on earth, has its days numbered. We need divine intervention. We need God’s help. My belief about the future of our nation is that we have two choices before us: one is judgment and the other is revival. If we do not have revival, then I think judgment is inevitable.

Banks Close 100s Of Branches And Layoff 1000s Of Workers As They Brace For Financial Meltdown

October 24, 2023 7:40 pm by CWR

U.S. banks are closing a large number of branches right now, — another ominous sign of the financial meltdown that has started to unfold. They are also laying off workers by the thousands in preparation for the chaos that is ahead, according to new reports. Record-high interest rates and turmoil in the real estate industry are adding an enormous amount of pressure on the nation’s biggest financial institutions. Even big names like JPMorgan, Wells Fargo, and Goldman Sachs have reported major losses in recent months, and they know a much bigger crisis is approaching. That’s why banks are getting very tight with their money, reducing their brick-and-mortar footprint, and slashing their headcounts as they fear mass withdrawals and more failures could happen in the coming winter. Experts say these are the very early stages of another global financial crisis, and many fully expect conditions to get even worse from now on.

In the first seven days of October, banks closed a whopping 54 branches, leaving an increasing number of Americans without access to basic financial services. Bank of America shuttered 21 branches in the first week of October, according to a bulletin published by the Office of the Comptroller of the Currency (OCC) on Friday. Similarly, Wells Fargo eliminated 15 branches, while U.S. Bank and JPMorgan Chase reported closing nine and three respectively.

More recently, Santander and City Bank closed nearly 20 branches each. Over the past twelve months, U.S. banks shut down over 3,100 locations, according to S&P Global. From 2021 to 2022, they closed a net 2,927 branches, which represented a 38% increase from the prior year. Moreover, in the open branches, there are fewer staff members around as well. A fresh CNBC report exposed that the most popular banks in America are laying off staggering numbers of workers – and some of the deepest cuts are yet to come. The six largest U.S. banks have cut a combined 20,000 positions so far this year, according to company filings. “Banks are cutting costs where they can because things are really uncertain next year,” Chris Marinac, research director at Janney Montgomery Scott, noted.

The sharpest cuts have happened at Wells Fargo and Goldman Sachs, institutions that are wrestling with revenue declines in key businesses. They each have laid off roughly 5% of their workforce in the past 10 months. At Wells Fargo, job cuts started to rise after the bank announced a strategic shift away from the mortgage business. And although the bank cut 50,000 employees in the past three years as part of CEO Charlie Scharf’s cost-cutting plan, the firm isn’t done shrinking headcount, executives said Friday. There are “very few parts of the company” that will be spared from cuts, said CFO Mike Santomassimo.

All of these developments indicate that the banking industry is in serious trouble. And economic turbulence is likely to aggravate matters in the financial world during the final months of the year. U.S. banks have a lot to worry about right now, and we should definitely enjoy the relative stability that has prevented markets and institutions from collapsing up until this point. The truth is that conditions are getting increasingly unsustainable, and things will become extremely chaotic far sooner than most people imagine.

Three major US banks—Bank of America, BNY Mellon, and Morgan Stanley—lost over $44 billion in deposits in just one quarter. This concerning trend isn’t limited to them; JPMorgan Chase, Wells Fargo, and Citigroup collectively saw an outflow of $84.5 billion in the same period. In a desperate attempt to retain customers, these banks are now spending billions. JPMorgan’s interest expenses surged by 170% from the previous year, Wells Fargo’s by 275%, and Citigroup’s jumped by about $185 billion. The confidence in these financial giants appears to be waning rapidly.

15 Biggest Retail Chains Disappearing Before Our Eyes

While we might be shocked to see the news about the financial problems some of the country’s biggest retailers are facing this year, many brands are silently disappearing from the U.S. retail industry without catching the attention of the media. They are closing a smaller number of locations at a time not to raise any red flags. However, these chains have actually been significantly reducing their store counts over the past year, leaving a massive hole in the market. Low-income communities are losing their local pharmacies, coffee shops, and grocery stores. At the same time, big cities are witnessing what experts call the “retail exodus,” a new trend in which retailers leave highly populated areas where theft is becoming rampant. The scenario is changing very rapidly.

For example, CVS revealed it will close 900 stores by the end of 2024, the Daily Mail reported. About 300 CVS stores are being closed in 2023 as the retailer adjusts to post-pandemic demographics and quit areas where inventory losses due to shrink are going up. The drugstore chain said it is undergoing a new retail footprint strategy, and that it is trying to implement more tech in its operations. CVS has been open about the impact of shoplifting on its bottom line, estimating hundreds of millions in losses in the current fiscal year. The closings are sparking debates about ‘pharmacy deserts’ as more retailers leave low-income communities.

Millions of households may lose their local drugstore, but the retail giant said the profit losses due to theft give it “no choice”. Similarly, Over 400 Starbucks stores have been shuttered in the U.S., according to The U.S. Sun. The good news is that the company opened new locations too, in a smaller more cost-efficient format. Still, the closings have left millions of customers across many cities without their local coffee shop. In fact, on October 22, the coffeehouse chain closed 7 stores in San Francisco, and it signaled that it may leave the area altogether if the city’s theft problem continues to escalate. The reasons behind the large number of closings are many. On top of rising shoplifting, the company has been accused of union busting after deciding to shutter 150 stores where unionized workers demanded better pay and working conditions and went on strike during the spring.

Moreover, Starbucks also eliminated underperforming stores from its system and closed older locations where it would be too expensive to do renovations. It’s getting increasingly harder to manage a retail business in America. Businesses aren’t being able to keep up with the constant changes in consumer behavior. They are also failing to accurately predict demand and financially hurting due to tighter credit conditions amid a slower spending environment. It’s safe to say that we will hear about bankruptcies and shutdowns far more frequently in the months ahead. Many CEOs are hoping for the best but preparing for the worst as the threat of recession becomes bigger, and so should you.

America’s top national security threat is our runaway debt. Stephen Moore says U.S. is far weaker militarily and economically than 4 years ago

By Stephen Moore Published October 23, 2023 at 9:57pm WND

After spending $6 trillion on social welfare and a Green New Deal spending spree and running our national debt up to $33 trillion, President Joe Biden is asking to whip out the federal credit card yet again for $100 billion more in military assistance for Ukraine and Israel and “humanitarian” aid. Yes, it certainly is a dangerous world, and more so every day. But Biden has a lot of nerve proclaiming that he’s 100% committed to the defense of Ukraine and Israel when his own policies have contributed directly to the hostilities.

The most impactful way to repel our enemies – China, Russia, Middle East terrorists – is to defund them by producing every ounce of oil, gas and coal here at home. Biden’s war on American energy has cost the U.S. economy more than $200 billion in lost domestic energy output from the Trump pro-drilling trend. At least $40 billion of that has gone to the Iranians. You can buy a lot of rockets with that kind of money. Meanwhile, the Russian war machine is almost entirely funded with petrodollars. They love that the heart of the Biden climate policy is to produce 3 million barrels a day less than we could and should be.

Biden misses a larger point about our national security. Right now, our debt is the nation’s most urgent, clear and present danger – not just to our economic prosperity but to our national security. Presidents Ronald Reagan and Donald Trump believed rightly that when America is strong at home with an economy firing on all cylinders, we are strong, respected and feared abroad. It’s painful to say, but right now, America is far weaker militarily and economically than we were four years ago. The most important geopolitical power today is economic and technological superiority. You don’t achieve and retain that status by becoming the world’s premier debtor nation.

Americans are starting to feel in the pocketbook the corrosive effect of a hemorrhaging $6 trillion budget. Everything we buy is 17% more expensive as the government effectively prints and borrows money to pay its bills. Mortgage rates are surging, with a 30-year mortgage interest rate at 8%, up from 3% when since Trump left office. This means that on an average-priced house with a 30-year mortgage, buyers will pay $1,500 a month more in payments. This will put homeownership out of reach for millions of Americans.

Then, there is the impact of skyrocketing federal interest payments on the debt. This year, for the first time, federal interest expenses exceed our entire national defense budget. With lower interest rate debt now turning over every day and having to be refinanced by issuing 5% and 6% Treasury bills, we’re facing a death spiral of red ink. Borrowing more money now would make all these problems much worse and make America less of a superpower going forward. Republicans should be insisting on three conditions for any more debt spending packages.

First, it has to be much smaller – cut at least by half – than $100 billion. This isn’t Monopoly money we are talking about.

Second, any release of new funds must be accompanied by a pro-drilling strategy here at home to divert money away from our enemies.

And third, every penny must be paid for dollar-for-dollar with other spending cuts. This isn’t a heavy lift. We simply slash the $380 billion green energy slush fund and other wasteful programs.

If Biden and Congress don’t believe they can find and eliminate tens of billions of dollars of waste in the federal budget (about 1% of total spending), this is prima facie evidence that we need a new president and a new Congress.

“Going Broke!” – 18 States Nearing the Abyss of Bankruptcy

Story by Gabriel Roman October 23, 2023

“Going Broke!” – 18 States Nearing the Abyss of Bankruptcy:  We’ve all heard the saying, “When it rains, it pours.” And some of our dear American states are facing quite the financial storm. From once-bustling industries to now penny-pinching predicaments, it’s a ride. So, grab your raincoat because we’re going into the downpour to see which states are getting drenched.

Gambler’s Paradise, Now in Peril – Nevada: Nevada’s dazzling casinos and lively entertainment spots once drew in masses. But with the decline in tourists, Lady Luck seems to be on vacation. Slot machines aren’t making as much noise, and the famous Strip feels more like a drip. Here’s hoping the desert state can find an oasis soon!

Frozen Finances in Snow Land – Colorado:  Colorado was the winter wonderland everyone dreamt of. Ski resorts bustling, mugs filled with cocoa, and laughter echoing down its snowy slopes. Now, it’s a different picture. Unpredictable weather patterns and diminished snowfall mean ski resorts are barely breaking even. With fewer tourists zip-lining down the slopes, local businesses are feeling the pinch. 

Deep in the Heart of Debt – Texas: Texas, the powerhouse of oil and tech, has always stood tall and proud. But it’s been a rough ride lately. The oil industry, once Texas’s goldmine, is grappling with unstable prices and increasing competition. And the tech industry? Layoffs are spreading like wildfire, making many wonder if the Texan dream is fading.

Golden Dreams or Golden Nightmares? – California: With Silicon Valley’s innovation and Hollywood’s glitz, California was the place dreams were made of. But the dream’s getting a bit murky. Extremely high housing costs mean many can’t afford the Californian lifestyle. Add to this the devastation of recurring wildfires, and the Golden State’s sparkle is dimming fast

Skiing Downhill on Profits – Montana: Montana’s open fields, dotted with cattle and golden wheat, tell a story of tranquility. But storm clouds are gathering. Unpredictable grain prices are creating unrest among farmers, while the cattle industry faces its own challenges. Montana’s serene horizon is now overshadowed by economic worries.

Empty Beaches, Empty Coffers – Hawaii:  Hawaii is a place that most people associate with paradise, and it was once everyone’s dream vacation spot. Its pristine beaches, rich culture, and hula dances were tourist magnets. But the pandemic put a dent in this paradise. With environmental problems and wary travelers, Hawaii’s main revenue stream dried up, leaving a void in its tropical economy.

Motor on the Mend – Michigan: Michigan used to be the epicenter of America’s automotive pride. With Detroit dubbed the Motor City, cars weren’t manufactured but born here. However, with the rise of electric vehicles and international automakers, traditional gasoline engines are becoming yesterday’s heroes. Now, Michigan is at a crossroads, needing to shift gears and innovate.

Nashville’s Notes of Nostalgia – Tennessee: Nashville is the musical heartbeat of America. Beyond the rhythm of country and blues, it’s where dreams took flight on the wings of music. But as digital platforms rise and live events become scarce, iconic music venues stare at vacant seats. Artists are grappling, and the vibrant city is wishing for its full-throated chorus of yesteryears.

Shaded Shores of Florida – Florida: Florida, the land of eternal summer, was always more than just golden beaches. It was a real estate marvel where dreams of vacation homes turned into reality. But hurricanes and the unpredictable ebb and flow of the property market have dampened the once invincible spirit. With tourists second-guessing their travel plans, Florida’s sunshine feels a tad muted.

Georgia’s Dual Dilemma – Georgia: Georgia’s soft hues of peach orchards were also the backdrop for cinematic masterpieces. But today, it faces twin troubles. First, unyielding pests threaten its iconic peach orchards, turning fruit-filled dreams into nightmares. Then, the film industry, once unstoppable, faced abrupt stops and starts. Georgia’s success now grapples with jarring interruptions.

Wisconsin’s Curdled Confidence – Wisconsin: In Wisconsin, dairy was part of its legacy. Fields dotted with cows and barns churning fresh cheese are what postcards are made of. However, as veganism rises and global milk markets fluctuate, the very essence of Wisconsin’s dairy pride is being questioned. The state’s milky way is looking for a new direction.

Indiana’s Industrial Introspection – Indiana: Indiana’s robust factories once stood as a testament to American ingenuity. The hum of machinery and the clink of production lines were its lullabies. But with international competition and a changing global supply chain, the state’s manufacturing prowess feels a little lost, seeking a blueprint for resurgence.

Pennsylvania’s Precarious Pivot – Pennsylvania: Pennsylvania once had the perfect blend of grit and sweetness. It was the home to molten steel and mouth-watering chocolates. But times are a-changing! On one hand, the steel industry grapples with global contenders. On the other, Hershey’s iconic chocolates face the heat of rising cocoa prices. The Keystone State is at a crossroads, balancing tradition and transformation.

Louisiana’s Lagging Tempo – Louisiana: Louisiana, pulsating with life, was a cocktail of rich culture, deep oil wells, and abundant seafood. But the state’s rhythm is faltering. With global energy transitions impacting oil revenues and marine ecosystem challenges, Louisiana’s once confident stride is now hesitant, seeking to find its groove again.

Ohio’s Economic Odyssey – Ohio: Ohio was a tapestry of interwoven industries, from bustling factories to expansive farms. It once stood firm against global tides. But with evolving global tastes and changing manufacturing landscapes, this Midwestern powerhouse is in introspection mode, navigating its way in a transformed world.

Chicago’s Chilly Challenge – Illinois: Chicago, the majestic titan by Lake Michigan, was an emblem of financial prowess and industrial might. But dark clouds of state debts loom large, and the industrial landscape is evolving. Amidst these headwinds, Chicago is striving, recalibrating its compass for a stable future.

North Dakota’s Nimble Navigation – North Dakota: North Dakota is known for its expansive fields and deep oil wells. In the past, the state enjoyed a steady rhythm of prosperity. But unpredictable oil markets and shifting agricultural tides have stirred the waters. Today, the state stands at a crossroads, adapting and hoping for steadier shores.

Arizona’s Quest for Oasis – Arizona: Arizona, a tapestry of scorching deserts and awe-inspiring landscapes, was a magnet for tourists. From the Grand Canyon’s vastness to Sedona’s spiritual allure, it beckoned many. But with major weather problems, the state’s thriving tourism sector now seeks a resurgence, dreaming of quenching its financial thirst.

America is economically and politically bankrupt

Tim Stanley Thu, October 26, 2023 at 11:32 AM CDT The Telegraph

(article excerpt)

Gaetzgate is the symptom of a twin structural crisis, not the cause. One part is political: the United States is too divided to provide a majority for any course of action regardless of ideological alignment – allowing tiny factions within Congress to pull the plug on compromise, while the partisan control of different branches makes it impossible to implement one manifesto coherently (that goes for the Court as well as the legislature and executive: over the summer, the judges struck down Biden’s signature student debt forgiveness plan).

The other challenge is economic, namely that America is coming to the end of a long road of debt-accumulation. The country can raise taxes or cut spending to restore stability; politics favours neither, while tax cuts and welfare goodies remain central to the Republican and Democrat pitches. Elected officials seem to reside in fantasyland.

In his State of the Union, Biden claimed that he’d delivered “the largest deficit reduction in American history”. The editors of the National Review note that what really happened is that Covid-era spending came to an end, giving the impression that because the US was spending less than a historic high, its spending was historically low. Biden was talking gibberish: “the federal deficit [actually] doubled in fiscal year 2023”, running between $1.7 trillion and $2 trillion. Adding to this, the president took the opportunity of the Israel attacks to go on TV and demand an additional $106 billion, with only $14 billion of it earmarked for the beleaguered Jewish state (Ukraine gets $61 billion, a figure that Johnson is likely to oppose). Why is the deficit up? Well, we can pin more than 40 per cent of the increased shortfall on falling tax revenues, while over a quarter is thanks to rising costs of entitlements.

As Facts of Life conservatives will tell you, failure to grow the economy wedded to generosity in welfare spending creates a “doom spiral”, as one struggles to keep pace with the expanding cost of the other. A society cannot spend that much more wealth than it generates, and the byproduct is the cost of financing greater debt, with interest costs rising 40 per cent last year.

You can fool voters into thinking this is sustainable – along with academics, pundits and even central banks, who, until recently, bought into the popular idea that inflation was a thing of the past and money would remain cheap forever. The one thing in life you can never, ever buck is the market – and hence there’s been a rapid sell-off in the bond markets. The price of these bonds is falling, the yields are going up, which indicates that the market believes the era of cheap money is over, governments are overstretched, wars in Ukraine and the Middle East signal further disruption to come, and investors don’t believe the US has the leadership necessary to fix things soon.

Thus the economic problem circles back to the political. If America had the kind of politicians who cleared up a similar mess in the early 1990s – with a grand budget compromise that damaged the reputation of both Democrats and Republicans – the market mood might revive. But the combination of Biden’s senility, Trump’s trials, the Democratic Party’s drift towards woo-woo politics and the Right’s refusal to give ground on anything, adds to the sense that our current world order is a pack of jokers waiting to fall.

The Worst Credit Crisis Of Our Lifetime Is About To Collapse The Standard Of Living In America

October 22, 2023 8:46 pm by CWR

The worst credit crisis in our lifetime has already begun, with banks facing losses bigger than during the Great Recession of 2008. American consumers are going to be deeply hurt by it too. From now on, getting loans and accruing credit card debt is going to cost you even more. Last week, after reporting earnings, several major banks announced they will no longer lend money at the same rates they have been in recent years. They are going to be more wary about who they lend to, how much they lend, and the terms of what they lend. With the number of bad loans rapidly surging, and the decline of the commercial real estate market threatening to trigger a wave of defaults, many financial institutions are at risk of collapsing. That’s why they are now taking drastic measures to prevent even bigger losses from happening in the months ahead.

However, considering the current outlook for debt delinquencies and defaults, particularly as more shoppers and businesses turn to credit to stay afloat, many of these institutions sitting on thin ice are likely to sink before the end of the year. That’s what analysts with the Federal Reserve of New York predicted in a new blog post. Notably, the credit card market is starting to show its cracks as more Americans fall into financial hardship.
Now that we just entered the fourth quarter, the average credit card interest rate jumped to a shocking, all-time record of 24.45%. Some cards — retail store cards, in particular — charge more than 30%, as revealed by Ted Rossman, an industry analyst for CreditCards.com. Those massive rates are responsible for sinking 22% of credit card users in the U.S. deeper into debt each month, Clever Real Estate reported. In fact, between January and September, U.S. cardholders paid $163.89 billion in credit card interest and fees.

At the same time, the number of people missing payments is going through the roof. In the past year, 43% of Americans have missed at least one credit card payment. Right now, 5.08% of credit card balances are in serious delinquency or at least 90 days past due, the Fed reported. That marked the biggest increase since the second quarter of 2022 when the rate was at 3.52%.

Issuers need to be very cautious about rising credit card and loan delinquencies and defaults because they have a much bigger fish on their plate: Commercial Real Estate. Although consumer debt alone can put small and mid-size banks at risk, big banks that lend millions of dollars to the construction of commercial buildings are in serious danger of going under.

This is not just a nightmare scenario for consumers but for U.S. businesses too. It’s precisely when a company has a couple of orders canceled on them and the business goes to its local bank and asks for a line of credit to see them through, but the bank says “no” that struggling businesses turn into failing businesses. There’s a much higher risk of bankruptcies happening when lending conditions tighten.

Simply put, if banks don’t tighten lines of credit for consumers and businesses, they risk facing steeper losses, and a potential failure. But if they reduce lending, they put businesses at risk of collapsing and defaulting on bank loans, which also puts them at risk of potential failure. And on of everything else, these institutions are vulnerable to an even bigger financial blow stemming from commercial real estate. It seems that no matter what they do, at the end of the day, the outcome is going to be disastrous for everyone.

The Book (7) of Daniel and The Book of Revelation. ‘Bookends’ (7) Regarding Prophecy of the ‘End-Times’, Tribulation. Revelation 10:7 But in the (7) days of the voice of the seventh (7) angel, when he shall begin to sound, (7) the mystery of God should be finished, as he (7) hath declared to his servants the prophets. ‘10’ is the biblical number for ‘completeness on earth’. ‘7’ is the biblical number for (7) divine completeness to God’s plan or purpose.

Ten ‘10’ Denotes God’s divine ‘COMPLETENESS’ as to things on EARTH. In Revelation 10, he is opening up the ancient scrolls and ‘little book’ of prophecy that Daniel was told to ‘SEAL UP’ and not write of what was spoken. He was prophetically being told additional things that would transpire or occur ‘in the end of days’ and during the 7 year tribulation.

Daniel 12:4 But thou, O Daniel, shut up the words, and seal the book, even to the ‘time of the end’: many shall run to and fro, and knowledge shall be increased.

Daniel 12:9 And he said, Go thy way, Daniel: for the words are closed up and sealed till the ‘time of the end’.

‘Time of the End’:

Revelation ‘10’ And I saw another mighty angel come down from heaven, clothed with a cloud: and a rainbow was upon his head, and his face was as it were the sun, and his feet as pillars of fire:

2 And he had in his hand a ‘little book open’(NWN; Daniels ‘little book’ is now being opened by God’s Great Angel of Prophecy) and he set his right foot upon the sea, and his left foot on the earth,

3 And cried with a loud voice, as when a lion roareth: and when he had cried, seven ‘7’ thunders uttered their voices.

(NWN; I ‘discern’ that these are seven ‘7’ other great prophecy angels who are ‘confirming’ that NOW IS THE TIME to OPEN DANIEL’S ‘END TIME’ Book of Future Prophecy.’)

4 And when the seven ‘7’ thunders had uttered their voices, I was about to write: and I heard a voice from heaven saying unto me, Seal up those things which the seven ‘7’ thunders uttered, and write them not.

5 And the angel which I saw stand upon the sea and upon the earth lifted up his hand to heaven,

6 And sware by him that liveth for ever and ever, who created heaven, and the things that therein are, and the earth, and the things that therein are, and the sea, and the things which are therein, ‘7’ that there should be time no longer:

(NWN; The Great Prophecy Angel is proclaiming the ‘LAST DAYS or END TIMES’ have come, in no uncertain terms, and that NOW IS THE TIME to reveal prophecy related TO the Last Days or End Times and Tribulation.)

7 But in the days of the voice of the seventh ‘7’ angel, when he shall begin to sound, the mystery of God should be finished, as he hath declared to his servants the prophets.

(NWN; Seven ‘7’ denotes God’s divine completion to his plan or purpose for this ‘7th’ prophecy angel to commence and complete prophecy related to the Last Days and End Times. Think of the Great Prophecy Angel as a ‘General’ and the ‘7th’ prophecy angel as a Major or Colonel or someone of rank who has been given authority to physically ‘begin something or start something.’)

8 And the voice which I heard from heaven spake unto me again, and said, Go and take the little book which is open (NWN; notice that the ‘little book’ is OPEN) in the hand of the angel which standeth upon the sea and upon the earth.

(NWN; the prophecy angel(s) are HANDING the little book to physically alive men on the earth. In essence, they are handing or ‘transferring’ the ‘little book of prophecy’ to physical men ALIVE on the EARTH during the ‘End Times’ or ‘Last Days.’ God conveys prophecy to Angels who in turn are ‘messengers’ of God’s prophecy to mortal men alive. Angels, throughout the past 6,000 years have been ‘messengers’ for God to mankind.)

9 And I went unto the angel, and said unto him, Give me the little book. And he said unto me, Take it, and eat it up; and it shall make thy belly bitter, but it shall be in thy mouth sweet as honey.

(NWN; this is a ‘discernment’ on my part. ‘Take it and eat it’ is a spiritual ‘consumption’ of understanding the End Times and God’s related prophecies to go along with ‘signs of the times.’ It takes ‘7’ knowledge, wisdom, obedience, humility, persistence, prayer and the Holy Spirit’ to work prophecy in man’kind. This is a great and wonderful thing, just like a ‘7’ course meal. However, once the prophecies are apparent ‘consumed and understood’ they will be prone to make one sick to the stomach because of what they foretell. Just like eating a ’7’ course meal will likely make you feel like you could explode. God’s UNFILTERD WRATH poured on evil man’kind who refuse Him, and refuse His Son Jesus Christ and His eternal offer of salvation. Seeing prophecy happen and unfold is a wonderful and miraculous thing. Understanding the implications of seeing prophecy unfold, leaves one’s stomach bitter and sour because of the ‘gastrointestinal storm’ that is coming. Pass-the-antacid-pills, please.)

10 And I took the little book out of the angel’s hand, and ate it up; and it was in my mouth sweet as honey: and as soon as I had eaten it, my belly was bitter.

(NWN; the prophecy angel was prophesying what would happen to anyone who attempted to reveal what was in the ‘little book.’ This verse ‘confirms’ that what was prophesied, did in fact occur and was experienced by those given the task of being Watchmen. This also ‘suggests’ that some men are ‘willingly’ allowing themselves to be Watchmen because they consciously love prophecy (God’s Word) and are completely open and receptive to it.)

11 And he said unto me, Thou must prophesy again before many peoples, and nations, and tongues, and kings.

 (NWN; since this is verse ‘11’ it suggests a WARNING(S). The purpose of prophecy is to inform, proclaim and WARN. It suggests that the Watchmen who proclaim the Word of God, will have their ‘7’ words, letters, videos, blogs, sermons, articles and books proclaim God’s WILL to those during the End Times / Last Days and Tribulation period. God has ALWAYS used Holy Angels and physical men (Moses, Elijah, Daniel, Enoch, and others) to speak on behalf of God. He will do this also through the Tribulation via; 1. Prophecy revealed to mankind via his ‘little book’ to Watchmen, 2. The ‘two witnesses’, ‘lampstands’ or candles who proclaims God’s light to the world for the first 3.5 years of the tribulation, 3. The various Angel warnings given to men to NOT TAKE THE MARK of the BEAST and lastly, 4. The 144,000 Jewish Evangelists who have the ‘seal of God’ in their foreheads (and NOT the mark of the Beast) who proclaim Jesus Christ’s offer of Salvation ONE LAST TIME, before the 7 year tribulation ends.)

But how can (7) they call on him (Jesus Christ) to save (7) them unless they believe in Him (Jesus Christ)? (7) And how can they believe in Him (7) (Jesus Christ) if they have never heard about (7) Him (Jesus Christ)? And how can they hear (7) about Him (Jesus Christ) unless someone tells them?” Romans 10:14 (777777)

In His Service,

Night Watchman

Paul Rolland

Night Watchman Ministries

Make Your (7) Decision for Christ NOW!!!!!!! Time is Up!!!!!!!

Jesus Christ’s Offer of Salvation:

The ABCs (7) of Salvation through Jesus Christ (the Lamb)

A. (7) Admit/Acknowledge/Accept that you are sinner. Ask (7) God’s forgiveness and repent of your sins.

. . . “For all have sinned, and come short of the glory of God.” (Romans 3:23).

. . . “As it is written, There is none righteous, no, not one.” (Romans 3:10).

. . . “If we say that we have no sin, we deceive ourselves, and the truth is not in us.” (1 John 1:8).

B. Believe Jesus is Lord. Believe that (7) Jesus Christ is who He claimed to (7) be; that He was both fully God (7) and fully man and that we are (7) saved through His death, burial, and resurrection. (7) Put your trust in Him as your (7) only hope of salvation. Become a son (7) or daughter of God by receiving Christ. (7777777) 7×7

. . . “That whosoever believeth in him should not perish, but have eternal life. For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. For God sent not his son into the world to condemn the world; but that the world through him might be saved. (John 3:15-17). For whosoever shall call upon the name of the Lord shall be saved.” (Romans 10:13).

C. Call upon His name, Confess (7) with your heart and with your lips (7) that Jesus is your Lord and Savior.

. . . “That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation.” (Romans 10:9-10).

. . . “If we say that we have no sin, we deceive ourselves, and the truth is not in us. If we confess our sins, he is faithful and just to forgive us our sins, and to cleanse us from all unrighteousness. If we say that we have not sinned, we make him a liar, and his word is not in us.” (John 1:8-10).

. . . “And he is the propitiation for our sins: and not for ours only, but also for the sins of the whole world. (John 2:2).

. . . “In this was manifested the love of god toward us, because that God sent his only begotten Son into the world, that we might live through him. And we have seen and do testify that the Father sent the Son to be the Saviour of the world. Whosoever shall confess that Jesus is the Son of God, God dwelleth in him, and he in God.” (1 John 4:9, 14-15).

. . . “But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us. Much more then, being now justified by his blood, we shall be saved from wrath through him. For if, when we were enemies, we were reconciled to God by the death of his Son, much more, being reconciled, we shall be saved by his life.” (Romans 5:8-10).

. . . “For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord.” (Romans 6:23).

. . . “Jesus saith unto them, I am the way, the truth, and the life, no man cometh unto the Father, but by me.” (John 14:6).

. . . “For I am not ashamed of the gospel of Christ: for it is the power of God unto salvation to everyone that believeth.” (Romans 1:16).

. . . “Neither is there salvation in any other: for there is none other name under heaven given among men, whereby we must be saved.” (Acts: 4:12).

. . . “Who will have all men to be saved, and to come unto the knowledge of the truth for there is one God, and one mediator between God and men, the man Christ Jesus.” (1 Timothy 2:4-6).

. . . “For God did not appoint us to suffer wrath but to receive salvation through our Lord Jesus Christ.” (1 Thessalonians 5:9).

. . . “But as many as received him, to them gave the power to become the sons of God, even to them that believe on his name.” (John 1:12).

True Church / Bride of Christ Spared from God’s Wrath:

 Romans 5:8-10. “But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us. Much more then, being now justified by his blood, we shall be saved from wrath through him. For if, when we were enemies, we were reconciled to God by the death of his Son, much more, being reconciled, we shall be saved by his life.”

Romans 12:19. Dearly beloved, avenge not yourselves, but rather give place unto wrath: for it is written, Vengeance is mine; I will repay, saith the Lord.

1 Thessalonians 1:10. And to wait for his Son from heaven, whom he raised from the dead, even Jesus, which delivered us from the wrath to come.

1 Thessalonians 5:9. For God hath not appointed us to wrath, but to obtain salvation by our Lord Jesus Christ,

Romans 8:35. Who shall separate us from the love of Christ? shall tribulation, or distress, or persecution, or famine, or nakedness, or peril, or sword?

Jeremiah 30:7. Alas! for that day is great, so that none is like it: it is even the time of Jacob’s trouble, but he shall be saved out of it.

Revelation 3:10 Because thou hast kept the word of my patience, I also will keep thee from the hour of temptation, which shall come upon all the world, to try them that dwell upon the earth.

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