10 Financial Mistakes To Avoid This Holiday Season

The holiday season is around the bend and you adore it or hate it, it’s coming. Numerous people fear the financial misfortunes it forces on them every year. The following are 10 financial mistakes to maintain a strategic distance from, this holiday season by the holiday trip planner! These tips offer you some help to enjoy your holidays without having a pinch in your pocket.

This is a great time to shop and we can hardly resist those grand sales plunging up on every corner! We want to celebrate our Christmases BIG! And however hard we try, the festival shopping, gifts for family and friends and the Christmas vacation has a huge setback on our budget!

With these financial errors to avoid from this Christmas season, you will have the ability to reduce your financial stress for this season, as well as for future ones too.

1) Not having a financial plan.

If you never utilized a financial plan for your own accounts, then risks are that you are going to fail miserably this season!

What amount would you say you are going to spend? What amount of cash would you say you are going to need? In particular, what are you going to afford? Shopping without a financial plan this Christmas is one of the top mistakes consumers do. Implementing a financial plan is the first thing everybody ought to do when planning on going to shop this Christmas season.

2) No budget Christmas by any means.

If you do budget each month then you most likely are liable of this; not planning for Christmas. We are not perfect, and truly, this is a slip-up that many people do almost every year.

Do not plan for Christmas. Knowing the fact Christmas is coming. You will realize that it will drain you financially, still never do that. The reason behind this is because you will do the following things given below:

Not pay a bill or bills on December to buy Christmas presents.

Shop for Christmas and use a credit card.

It requires some time to understand that if you can budget Christmas in January, You will have the ability to stay away from these mix-ups and have an obligation and stress free Christmas.

3) Not having a plan.

If you don’t take a seat and plan your holidays, you are going to overspend your hard earned cash. Planning your spending, your shopping, even your entire holiday if vital, will offer you some help with saving cash and keep yourself on track this Holiday season.

4) Do not have unreal expectations.

Let’s face this, we do have unrealistic expectations of Christmas; and this transpires each Christmas season. We see the ads, we watch films, we see these expectations of what Christmas “ought to” be or feel like. This is the point at which you have to keep it genuine.

No, you are not going to get a brand new car with a red bow on the top. No, you are not getting a dream vacation package for Christmas. Be reasonable with presents and your expectations, Christmas is not just about presents.

5) Shopping out of guilt will destroy your finances.

Feeling guilty because you couldn’t afford to buy everything your family needed may prompt overspending. Try not to promise your children or family what you can’t afford. You don’t need to buy for somebody because they gave you a gift. If they get mad because you didn’t give back a gift, possibly you have to question your relationship.

Once more, you don’t need to buy presents for everybody if you can’t manage the cost of it. You shouldn’t be made to feel guilty that you didn’t give somebody a gift back because they gave you a gift. If you are willing to shop, then the best way is to rest over it. YES, go to bed.

6) Not checking your Christmas list twice.

Again, if you can’t afford to purchase for everybody on your list, trim it. If you can’t afford to purchase every one of the things on your list, trim it. If you were in a rush when writing this list, chances are you committed a couple of errors on your list. Double check that list of yours to keep you from overspending.

7) Not being sorted out.

If you shop, spend, and don’t keep track of your spending, you will be stuck in an unfortunate situation. Keep your receipts and place them in an envelope while you shop. You may require those receipts for refunds and such. Not being organized will affect your accounts.

8) Not taking advantage of rewards and discounts.

Numerous stores offer rewards either in a type of club cards or store cards. You can score discounts and also refunds/money saving apps that give you refunds when you buy chosen things. Always verify whether you can save cash with phone apps or store discounts.

9) Opening store MasterCard for rebates.

One of the principles about credit cards should be like this: if you have a money related chaos, put them away! Try not to utilize them. If you have credit card obligation and don’t have the control to utilize them and pay them off immediately, then you should not utilize them.

Be that as it may, if you don’t have the assets to pay this completely towards the end of the month, you are going to wind up paying way more than what you saved.

The fact of the matter is this, don’t fall into this trap. If you don’t have the money to pay all required funds, then don’t try opening a Visa only for the rebate. You will wind up paying more than the 20% you saved over the long haul.

10) Sit tight for the last minute.

There are a lot of people that basically hesitate and hold up until the last moment to go shopping during the Christmas season. When you do this, you are spending abundant excess money on things that were on sale.

6 Easy Steps To Organize And Pay Your Bills

Paying your bills every month is a necessary part of anyone’s life. However, if you do not have a handle on this aspect of your life, you may soon find yourself in financial trouble. Without a proper bill-paying system in place, you can amass debt, heighten stress, and put your finances and credit rating at risk.

Your goal should be to pay off every single bill on time, every time.

Now, how can you make sure you pay your bills the right way every single time? Simple! Use a checklist. In this article, I’ve taken the liberty of creating a checklist for you. Check it out, and ask yourself if there are any holes in your current bill-paying routine.

1. Create a list of all your outstanding expenses and debts.

If you have to pay for something, make sure that it gets added to this list. Categorize the items where possible (fixed vs. monthly expenses, bi-weekly expenses, and one-time expenses.) Put the most expensive payment at the top and the lowest one on the bottom.

2. Develop a budget that ensures you can pay these bills and expenses each month.

Do you know how much money you make each month? If your expenses add up to more than you’re making, you need to evaluate your spending. Cancel unnecessary subscriptions. Call your cell and landline providers, and ask them to review your current plan to see if there are any new promotions that would lower your bill. Do the same for your cable bill. In other words, do what it takes to save money each month instead of throwing it away on unnecessary expenses.

3. Determine due dates as soon as bills arrive.

Do NOT file bills away “for later!” – especially not until you’ve read and examined the due date. Instead, do this:

· Open bills immediately upon receipt

· Determine the due date

· Circle the due date so it’s easy to find later, and

· Do a quick check to see if the charges look correct.

4. Secure a designated place for incoming bills.

As soon as you open your mail, place all bills in a location you’ve designated for bills only. This eliminates the possibility that the bills get lost before you pay them. Don’t forget that late payment may result in late fees or extra interest you can easily avoid. You can also sign up for paperless statements. Caution: If you decide to go the paperless route, be sure to download and review the statements monthly and file them in a folder on your desktop or in the cloud. It is of utmost importance that you have an organized digital filing system in place. You will understand the importance when you need to retrieve a statement. Depending on your comfort level with technology, consider using FileThis software that allows you to link your online accounts to automatically fetch all of your online statements in PDF format.

5. Set up a routine.

There are a few payment options from which to pick. You can:

· Pay all of your bills with paper (i.e., checks and envelopes)

· Integrate your bills with electronic banking for a seamless process

· Use both e-banking and paper (so most of your bills are handled online while you make some payments, such as income taxes, with traditional checks)

Some people review and pay any bills as soon as they receive them in the mail. Others prefer to create a standing appointment of an hour or two on a specific day to handle the task. To ensure the payments are always processed and received before their due dates, figure out what works for you. Then, stick with it.

Keep all bill paying statements and supplies you need nearby so you can handle the job efficiently.

Remember: there is some lag time from when you send a payment to when it’s received by the person or company you owe. Not scheduling your bills on time has the potential to affect your credit rating in a profound way.

6. Use financial software to keep track of bill paying.

Financial software from Quicken, Mint and your bank’s proprietary software helps organize your bills and payments. These systems also help you set realistic budgets and help track spending to reach your financial goals.

How To Manage Your Financial Problems After Buying A New Home

Changing your living status can drastically change your lifestyle and your financial problems. But you don’t worry, because you will get the solution if you are cautious about how you spend your money.

If you are young and buying your first home, it can be a critical time in your life. Nonetheless, it’s also extremely exciting to imagine that you are setting off to own your property interestingly. This is really the American Dream at work! Chances are, your mortgage payment will be more expensive than whatever rent you were paying before you were a homeowner. You might be stressed over how to budget after you close on the house, yet you will catch on speedier than you might suspect. If you couldn’t manage the cost of the house, the bank wouldn’t have given you the loan, so motivate prepared to crunch some numbers and appreciate the first year living in your new abode.

Pay Attention to Your Lending Officer

Prior to your loan is even endorsed, you’re lending officer should sit down with you at the bank and give you a snappy once-over of the numbers. If they don’t, you should ask them to do as such, or discover a lending officer that will; it’s absolutely OK to shop around for lenders, especially in this economy. When you meet with your lending officer, don’t be reluctant to ask questions and/or take notes. When you lock to your interest rate, they will let you know precisely what your mortgage payment will be, and if you choose to keep your taxes and homeowner’s insurance in escrow, they will calculate that in, as well. Pay attention to that month to month number, and use that to set your new budget.

Set a New Budget

Ideally, if you’ve purchased a house, you have officially set some sort of budget for your living expenses pre-homeownership. If you have, it should be generally easy to set a new budget that accounts for your increased living expenses. Just module the number from the bank for your regularly scheduled payments and make adjustments as necessary. You will need to remove some things; that is almost inevitable. In any case, ensure it is something you can live with.

Communicate with Your Partner or Roommate

If you are buying this house with your spouse or partner, or if you are having someone move in and pay rent, make sure to communicate expectations and concerns transparently. This can represent the deciding moment a partnership when it comes time to pay all that money at closing. When you figure out what everybody owes, ensure you tell everybody upfront. If you are having a renter live with you, it’s not a bad idea to draw up a lease arrangement and have a lawyer look at it. That can save you a great deal of inconvenience down the road.

Learn to Cook

Cooking your own foods can be significantly inexpensive than eating out each night. When you cook, you often have lots of leftovers which you can eat the following night or for lunch the following day. It would be such a shame to waste your new, awesome kitchen in your new house, so if you don’t definitely know how to cook some simple meals, now is a great time to learn how.

Top 5 Bad Credit Fixes

There are 5 common ways to fix your bad credit. Although some people may not be aware of them, these methods are nothing new and have been around for quite some time. The following is a list of the top 5 ways to fix your bad credit:

  1. Make Payments on Time
  2. Increase Available Credit
  3. Pick 1 credit card to focus on.
  4. Pick 1 thing you can live without.
  5. Stop using credit.

Why you should make credit card payments on time

There are many lenders (auto, mortgage and credit card companies) that access your credit history before making a financial decision on your behalf. One category that always gets a good looking over is your payment history, because it shows the lender how responsible you are with making your payments and making them on time. The good is if you have missed a payment here and there it is not a huge deal but if you miss payments a few cycles in a row that is not good. It is like when you are interviewing for a job and they call your last employer and they find out you were late quite a bit. On the other hand if you were late to work once every 2 months it won’t be mentioned. Same principal for making payments on time with your credit cards.

In addition, when you miss a payment you become subject to a few issues with credit card companies. First, your credit card will attach a late payment fee and in some cases they may give you a penalty interest rate. As if your life is not already hard enough, obviously there is a lot going on if you missed a payment. Then they add insult to injury with this punishment. Also you become subject to universal default where other credit cards can legally penalize you for missing a payment on a totally different card. This is not the make a bad choice and only the witnesses find out scenario, everybody finds out.

Why you need to increase your available credit

Your goal is to get out of debt and fix your credit score. You can begin working towards this by increasing your available credit. The amount of available credit is what makes so many people have bad credit scores. They have literally used up more than 70% of their available credit (for example your credit limit is $2,000 and you have $200 available). This hurts your score so much because it shows the lenders and/or credit card companies that you do not have enough cash and you need to rely on using your credit card. So, if you pay down your balance and increase your available credit, you send a different message to credit card companies. Eventually, your available credit increases in 2 ways: by you paying the balance down and the companies will usually extend your credit line while your paying down your balance and based on how long you have had the line of credit.

Why you need to pick 1 credit card to focus on

It happens all the time, people get motivated and do drastic things that are not helpful in the long run. For example you commit to losing weight and you exercise for 2 hours the first 2 days, but by day # 3 you are sore and exhausted so you stop working out. This happens with paying off credit cards. People get extra money and instead of paying off 1 card they make payments on 3 credit cards. Although they reduce the balance on all of them at the end of the day they still have 3 credit cards instead of the 2 they would have by focusing on 1 card at a time.

Why you need to pick 1 thing you can give live without

Getting out of debt is about sacrifices and not wasting money. Some people have to keep up with the latest trends and place themselves further in debt. I have done it too and then it hit me by iPhone 6s plus. I was buying new iPhone after new iPhone and then I realized I do not have 1 iPhone that is not in mint condition. They all can play the same games, display the same apps etc. so I am wasting money buying a new iPhone every release. I won’t buy the iPhone 7!

Another example is coffee, I learned that kcups are not economical they are just quick and convenient. I also learned that $2.50 for a venti at Starbucks every day is of $14.00 and a 32oz bag of Starbucks Dark Roast is 17.00 at BJs. Before I learned about BJs I was paying the 2.50 but I thought I was doing it right because I was using my cash back debit card! However, the Bjs bag is much more economical.

Why you should stop using credit cards

I increased my credit score (FICO score) tremendously a few years ago just by not using my credit cards for a few months. I recently wrote a blog about it because it was around this time a few years ago where I noticed the big bump in my credit score, I had finally joined the 700 club! Additionally, the interest on credit cards even if it is low is ridiculous. In my state we complain all the time about taxes on products, well credit card interests rates are a bit higher than taxes. Lastly, if you do not pay off entire balances by the end of promotional periods your balance nearly doubles.

Bonus #6 Hire a Credit Repair Agency

Here is a bonus the number 6 way to fix bad credit is to hire a credit repair agency. By law you are entitled to a free consultation from credit repair agencies. According to the Federal Trade Commission (FTC) the Credit Repair Organizations Act requires consumers of credit repair services to receive a copy of their legal rights and it protects customers from being charged prior to services being performed. The resources on this page will elaborate in more detail about this law.

Tips To Choose A Factoring Company

The success of any business relies on cash flow. As your business grows, you will find a need to speed up cash flow and this could mean getting some sort of financing. Banks have for the longest time being the saviors for most businesses, but the may not always fully accommodate the financial needs of your company. Account receivable factoring is the better alternative for your business financing. With the help of a factoring company, you will be able to obtain the capital that you need for the business.

Factoring is invoice financing that concentrates more on the business growth rather that cash flow challenge. The creditworthiness of the clients you have is what the factoring professionals focus on. By establishing solid payment history with your customers, factoring companies pay up front for invoice amounts. At a small factoring fee, you will receive the balance when the client has fully settled the invoice. There are so many advantages of factoring but to enjoy them you must start by choosing the best factoring company to work with.

Tip 1 – Think about service. The factoring company should offer professional friendly service. You should not only get guidance in setting up a process, but you should also have all your questions answered so you are able to make a good decision.

Tip 2 – Check out the terms of the service. The terms you get from your factoring company should actually be tailored to meet your specific needs. Make sure you are aware of contract length, fees, notice period and concentration among other important factoring elements. The least you can do is to make sure that you are most comfortable with the terms of service.

Tip 3 – Understand the factoring services and products the company has for you. They may vary from one factor to another. Depending on the company that you settle for you could get bad credit protection, funding options, credit control, dedicated client manager, customer credit checks and online account management. Find out what services and products your company has to offer and how important they are to your business and the process to make a good decision. It is best that you make comparisons between the best factoring companies before making a final decision so you choose the best one for you.

Tip 4 – Think about concentration. It is very important to remember that there are factoring companies that restrict the funding level they provide against your customers. Before signing the agreement, therefore always check to confirm that your customers will be able to access appropriate funding levels as needed.

Tip 5 – Check out the factoring fees. Most companies charge a monthly fee depending the funding option that you settle for. In most cases the percentage will be determined by the invoices that have been submitted for funding during that month. Some may have a monthly minimum and this is an option that may not work for you if you run a business that goes with seasonal patterns.

5 Tips for Improving Your Credit

Troubling financial situations happen in life to a host of individuals and families. The key to solving the crisis is having an action plan that you can follow to resolve your situation. On top of that, don’t become discouraged. With patience and determination, you can improve your credit score and get on the road to financial health.

Consider the following 5 Tips for improving your credit:

Debt Merging: This May Be the Right Path for You

What is Debt Merging? This type of loan is a single loan that enables you to repay your debts to a number of or all of your creditors at once. This type of loan usually comes from a financial institution.

Consequently, you have only one outstanding loan remaining – to the financial institution. However, remember to contact a variety of financial institutions before you select this type of loan. The interest rates offered by competing financial institutions may be different.

Study Your Credit Report

The reason to do this is to determine which items you can pay. A credit report contains a history of how an individual has paid their bills and how much open credit they have. It also contains anything else that would affect a person’s creditworthiness. A credit score is a judgment about an individuals’ financial health, at a specific point in time.

Banks or other consumer agencies, which are considering a person for a loan or other financial products, will check one’s credit history. Your credit score calculated by the credit reporting agencies is available to you. However, you must pay a fee.

You may want to know your credit score if you suspect it requires improving. Additionally, you may want to know it if you’re planning to acquire a loan or other new credit in the coming years.

Work With Your Creditors

Make contact with your creditors to arrange payments to them. Many creditors will allow you to move forward with a special payment plan. Your goal is to work out a payment plan with them that you can afford. These relieve financial stress on you, while allowing you to pay down, consistently, your debt. Essentially, it’s a good solution that benefits you and the creditor.

It’s important to get all the details of the arrangement – the agreement – in writing. Remember to calculate whether you can actually make the regular payments that you’ve agreed to with the creditor(s).

Budget, Budget, Budget Your Typical Daily Expenses

Part of the process of improving your credit is saving money so you can use ‘saved money’ to pay down debt. You goal is to get out of debt sooner rather than later, while still being able to afford your debt repayment responsibilities.

Look at your household budget and cut out spending of extraneous goods and services you really don’t need. Be honest with yourself and do without where you can. You will be happy down the road when that debt load is lifted and your credit score has improved.

Consider a Financial Expert

There are many expert financial specialists available who have the experience to help you make informed financial decisions. A financial specialist such as an accountant assists people in planning and managing their financial resources. They offer information, insight, advice, tips, and more that you may not be aware of to help you get back to a healthy financial state. Use them when you feel your efforts alone may not get you the desired financial results you require.

How To Pick The Right Financial Advisors

What a difference a decade makes! Not long ago, everyone who invested in stocks seemed to win big. Investors watched their portfolios grow exponentially, and retirement seemed secure. The economy was so strong even the country’s best financial advisers were left wondering if they’d have a job.

But alas, the economy went into recession. Those early retirement dreams became a less realistic option. These days we need to know about yields, rates of return, and, dare we say, risk!

That leaves many people feeling pressured and over their heads. This is where businesses can step in to help their employees decide how and where to invest their money.

Where Do I Start?

That depends on what you want the financial advisers to do. Do you want help with estate planning, or is it your child’s college fund? What about advice on which stocks to pick or how to withdrawal cash from retirement funds without draining your account? Determining where to start depends on your desired outcome, and the good news is financial advisers come with many specialties.

Once you decide what you need, ask people that you trust for referrals. Seek out someone you don’t mind divulging personal financial information to.

Next, find out what your potential advisor did before becoming an advisor. Was he/she a math expert who majored in statistics at college? Do they have an advanced degree in accounting or business? The answer to these types of questions can tell you a lot about the Ivory Tower experience someone may have, and whether it’s relevant enough for your trust. You want someone with good character, much like you would in choosing a good doctor or lawyer.

How Do Financial Advisers Charge?

Many people are intimidated by costs but have no idea what they are. This is normal, and there are many ways in which an advisor might charge you.

Charging you a commission on products (or stocks) bought and sold is the most typical form of remuneration. Some, however, might charge a flat fee or yearly retainer, or a combination thereof. The best advice: do some comparison-shopping just as you would for a vehicle or any other significant purchase.

State Registered Advisors Must Be Licensed

Those who give advice on how someone should invest their money should be registered with the state in which they practice. For instance, in Washington State, all financial advisors must register with the Washington State Department of Financial Institutions in order to practice. Check with your state to see what the requirements are, and be sure to check for prerequisites pertaining to admission, such as testing and education.

You can also check the state records for complaints: legal judgments, bankruptcies, criminal charges, and government orders. All of this information is kept on file by the state and are available to the public.

Choosing from a pool of knowledgeable professionals can be a tricky business, but it can be simplified by following a few basic rules, and, more importantly, by using a little common sense.

Finance Management of Small Business

Managing finances in a business is among the few important things that need to be considered when starting and carrying out a business. It is all about efficiently and effectively utilizing available funds in order to achieve the objectives of the business. Financial management is aimed at planning, observing, organizing and managing the monetary resources of a business.

Small business finance management strategies

Small business finance management is mostly concerned with procurement, allocation and control of financial resources so that a regular and adequate supply of funds is maintained to run a business. Once the funds are in hand, they should be utilized in maximum possible ways at low costs and should be invested intelligently in safe ventures. A few tips that can help you efficiently use your funds while running a small business are:

    • In the initial years of managing a small business, you need to estimate how much money you need for a decent living and pull out that money from your business income. Now invest the remaining money back into your business for its growth.

 

    • Early wins in the form of high profits may urge you to spend it on leisure holidaying or improve your housing status. You need to be firm and defend yourself against such ideas and wait till your business gets a little more established.

 

    • The main expense in a business is covering the payroll of your staff. It is advisable not to hire new employees unless you absolutely need them. When things get busy and a lot of work pressure builds up, you may get tempted to hire more people. Try and stretch the existing staff members to their full potential to get through the workload and hire only if necessary.

 

    • Try and save up money on applying for loans and procuring inventory. Taking up loans from banks is a common practice in the business world, but it carries an extra cost of its own in the form of interest you pay while returning. Reducing this extra cost can help you add up and save more money in the long run. This can be done by dividing the total money you need as loan and borrowing it in parts over a period of time. This reduces the overall amount of interest you pay back to the bank. Borrowing the entire amount at once will result in you paying interest for the money you are not going to use till later time.

 

    • Keep the money separate for paying the taxes and avoid mixing it with other funds. Paying taxes is of utmost importance and since that money is meant to be given away, it should not be kept or used for other purposes.

 

  • Bargain the terms of the agreement with the outside contractors and vendors like delivery services, electrician etc., such that you get a grace period in paying your bills. This grace period can be used to manage your funds and prioritize your other bills more efficiently.

Vacations – Investing in Yourself

Many people’s financial plans emphasize frugality today for prosperity tomorrow.

Preparing for the future is much easier when we’re enjoying the present.

There are many good reasons to take a vacation – taking some time away from the stresses of work and daily life to focus on spending time engaging in stimulating (or relaxing) activities with family members and friends in a new setting can recharge your batteries. It will give you added perspective on your life and work, and you’ll return to your regular routine invigorated and more productive. And your health can be greatly improved.

Prolonged periods of work without a vacation have been shown to have numerous medical consequences – people who are “all work and no play” become irritable and inattentive, and are more likely to have accidents on the job. They are at higher risk of cardiovascular problems, depression, anxiety, and other illnesses, both physical and mental.

Your financial plan should be flexible enough that you don’t need to save every last dollar you make for retirement. Life is about balance, just like vacations are about balance. By helping you make wise budgetary decisions, you achieve a balance by making judicious investments – in both your financial future and your happiness today.

The Financial World Is in Shock and People Are Stunned

The revelation of major tax fraud has come to the fore with the release of millions of documents from a law firm in Panama. It reveals that government leaders are either involved money laundering and hiding wealth to avoid tax or their family members. Some of the biggest companies; the heads of major corporations; mining giants; business people; and crooks in general including drug dealers have their identities suppressed while moving trillions of dollars around the world.

The repercussions will be huge as people are angry who pay taxes and are virtually paying for these wealth crazed individuals to cheat on them. This is just one more wound in the already injured World Order that includes governments, financial institutions, and religions. It is the latter that is most at fault.

Following my reincarnation and with a strong link to the Spirit of the Universe it commissioned me to tear down the wall of blindness and bring in the harvest. Everyone who has lived is back and those who have maintained a link to God are to be collected and saved. They are called the children of Israel but they have nothing to do with Judah or the country by that name.

We are at the end of the day and things are changing – quickly. Those who seek power through wealth are fools for they have traded their spiritual link for money. They are deaf and blind to the Spirit and seek power through manmade wealth.

That link is the little voice within and the sub-conscious mind which leads and guides. We consult it on a regular basis for solutions to problems and a path forward when lost. Those who use money to bypass this connection are about to suffer the consequences.

To do the task given to me the Spirit provided the knowledge required and that took me to Babylon, the start of Islam and the sun-star Mary. This remarkable image was stylised into a woman whom men thought they could ‘marry’. The people of the city were the Amors and they built Roma (reverse Amor). One of their numbers was Constantine who established the Catholic Church in 325 AD and he put up the image of Jesus Christ and reinstated Mary as the Mother of God.

He also established the financial system that has now reached a point where it will be shown for what it is. It is the product of the man identified as 666 in Revelation 13:18 and anyone dealing in wealth has his number on their forehead. The retribution of the Spirit is now playing out and those who have cheated in this way will be the first to feel God’s fury.

Money defies spiritual power and it is a false god that cannot be worshiped by those who seek to know God in truth. Everyone who has lived is back and the Mountain of God was promised to appear in the last day. It is the Internet and the truth is pouring from it to bring light into the world of darkness and there is none darker than that of religion and finance.