Founded 2004      (NJIAT)

Personal Finance & Economic Issues




God commands us to manage our finances wisely (no matter if one has modest income or great wealth and we are also commanded to give the "first fruits" of our labor--see Gen. 4:3-16; Gen. 14:18-20; Heb.11:4-6; 2 Cor. 8:1-15; 9:6-15). We cannot out give God--when a person who tithes (10%) and gives offerings (above 10%), the person always prospers. However, the miser will be cursed (Matt. 25:18). Click Tithing--PDF or Tithing for a detailed explanation on God's requirements for giving.

Topics Covered: 1. Look up Finanical Information and Stocks 2. Tips on Personal Finance (see underneath Tips on Personal Finance the following topics: "Federal Reserve" & "What Happened to the Middle Class?", & " Pension Plans in the Private Sector and What Happened?" & "SSN and Medicare" & Obamacare;) 3. Helpful websites on Personal Finance such as Banking, Mortgages, Health Care, Free Cell Phone, Car Insurance, Cell Phone Repair, Payment Services (Webmoney), obtain Transcripts, Diplomas from the "National Student Clearing House", etc.; 4. Government sites and programs: Housing Needs in Counties; 5. Helpful Business Sites in NJ & PA (Misc. Services such as Haircutters, Repairs on Cars, Cleaning Services, Atttoneys, Tinted Car Windows, Chess Lessons, Construction, Lawn Maintenance, etc.); 6. Do States in the U.S. that are more Liberal/Secular Humanist have fewer freedoms?; 7. How free trade is killing America; 8. Two Recommended Books on the Worldview that brought Economic Freedom to the U.S. and Western Europe--read a brief discussion on how our economic freedoms came from the Protestant Reformation and how the current capitalist system has strayed far from the Reformation teachings. Dr. Francis Schaeffer would describe a Biblical economic system as "compassionate capitalism"; 9. Who started unions?; 10. The Myth about so-called Free Trade and no Tariffs; 11. What about NAFTA?--Do Real Conservatives Oppose NAFTA and Are Democrats and Republicans Corporatists (soft fascism, which is Oligarchic)? and what about Karl Marx's support of free trade?; 12. Free Trade Doesn't Work by Ian Fletcher; 13. Should Americans buy American products?; 14. What were our Conservative and Compassionate Capitalist past Presidents' positions on so-called Free Trade and Tariffs?; and 15. What about China as Investment Savior for the U.S. and the World?

Look up Financial Information and Stocks

Ticker Tape Stock Quotes above & Financial links below.

Expatistan Cost of Living Index for the World

MinyanvilleThe Motley FoolYahoo FinanceFinancial Times


the new americanWNDForbes

Helpful ideas from "Tips on Personal Finance" from #2 above relating to stock. Prepare a budget and put a minimum amount of money away each paycheck for those unexpected emergencies. Also, invest a certain percentage of your salary every month in stocks. Diversify you investment portfolio with at least 80% blue chip stocks such as Johnson & Johnson, Church & Dwight , P & G ,etc. and no more than 20% in high risk stocks. Also, purchase some silver that is delivered to you home--APMEX (American Precious Metals Exchange)--buy Gold and Silver for very little over spot. Do not put all your eggs in one basket and if you are an older person do not invest in high risk instruments. You can open a discount brokerage account at many banks and credit unions such as Wells Fargo, TD Bank, usbank, etc.--discount brokeage accounts allow you to do your own investing on-line. (NJIAT is not advising, endorsing or encourageing anyone to buy any particular stock--it is just giving you examples of what a blue chip stock is according to the New York Stock Exchange.) For other tips such as trucks, cars, homes, etc., click "Tips on Personal Finance" .

Switzerland is a Great Example for the World

Schweizerische National Bank

The Swiss National Bank headquartered in Bern, Switzerland is largely owned by the Public unlike the U.S. Federal Reserve and distributes its profits to the confederation and member cantons--unemployment is less than 3% compared to Europe's 25.1% and every male citizen is required to have a military assualt rifle--the Swiss have the lowest gun related crime rate in the free world. Switzerland is not member of the EU and uses its own currency the Swiss Franc. Switzerland prepares for Mass Civil Unrest in Europe (10/10/12)--it has 200,000 man army. This is a huge militia. See Citizens in Arms: The Swiss Experience and Why Nazis Germany would not invade them--PDF & FirePower and Faith.

Nothing wrong with Wealth if Obtained Honestly

Mussolini states Fascism is Corporatism

There is nothing wrong with wealth if it was obtained honestly and the wealthy are not hoarding --see Luke 12:16-21 & Proverbs 28:27.

King Nebuchadnezzar (605 B.C.) was rebuked by the Supreme Ruler of the Universe via Prince Daniel the prophet for oppressing the poor--"Therefore, O king, let my counsel be acceptable to you; break off your sins by being righteous, and your iniquities by showing mercy to the poor. Perhaps there may be a lengthing of your prosperity." (Daniel 4:27, NKJV)

We live in a neo-fuedalist system and the super-rich hold up to $32 trillion in offshore banks around the globe--see TV commentary on Billionaire Scammer Warren Buffett and the Banker Bailout--4/14/2012 & Wall Street and the Rise of Hitler. (Trans-Pacific Partnership (TPP) full text released by White House (11/07/15) -- an unconstitutional treaty and it will further destroy the middle class and poor and override our Constitution.)

Note: Bernie Sanders is the 1% --Clueless masses flock to socialist nightmare; yes, the Nazis were socialists--NAZI stands for National Socialist German Workers' Party. Hitler was a socialist. Myth Busted: Acutally, Yes, Hitler was a Socialist Liberal. It is the 6,000 (.00000084210526%) people that control 60% of the wealth--it is not the 1% as Bernie stated because he is the 1%. Bernie Sanders gets Endorsement from Soros' Moveon (the ultra rich going after the middle class & poor).

Why is America getting Poorer?

Poverty in the United States

Image: Wikimedia Commons.

Which America Do You Live In? --21 Hard to Believe Facts About "Wealthy America? & "Poor America"--Nov. 2013

No Brains in Washington (09/26/15) --Washington's failures are everywhere visible.

An excerpt by Paul Craig Roberts, The concentration of US income and wealth in the hands of the very rich is a new development in my lifetime. I ascribe it to two things. One is the offshoring of American jobs. Offshoring moved high productivity, high-value-added American jobs to countries where the excess supply of labor results in wages well below labor’s contribution to the value of output. The lower labor costs abroad transform what had been higher American wages and salaries and, thereby, US household incomes, into corporate profits, bonuses for corporate executives, and capital gains for shareholders, and in the dismantling of the ladders of upward mobility that had made the US an “opportunity society.”

22 Facts that Prove that the Bottom 90 percent of America is Systematically Getting Poorer (05/02/13)--an excellent Video and article on what is happinging economically in the U.S.

40 Percent of U.S. Workers Make Less than What a Full-Time Minimum Wage Worker Made in 1968

Obama's Super Secret Treaty Which Will Push The Deindustrialization of America Into Overdrive (06/03/13)

Congressional Report Proves Taxpayers Are Subsidizing Wal-Mart Employees (06/04/13)

Multiple Government Agencies are Keeping Records of your Credit Card Transactions

The Makers: The New Industrial Revolution by Chris Anderson (the globalists want to shut this down)

Exposing the Globalists: Social Decay + Illegal Immigration + Poverty = Open War on the Streets of America (01/28/13)& 50 Signs That the U.S.Health Care System Is A Gigantic Money Making Scam and Occupy Wall Street: Who wants to Hijack the Movement? & Who Runs the World--a Group of Global Elitists (see the top 25 Banks & Corporations) made up of many groups and Nationalities of mostly European descent--- Anglo-Saxon, Scottish, Irish, Dutch, German, French, Danish, Norwegian, Swedish, Finnish, Swiss, Jewish, Italian, etc. Unfortunately, many of the elitists are promoting Satan's One-World Religion/Government.

Warning: The Supreme Ruler of the Universe will remove these people from Planet Earth at the end of the age and place them on Planet Hell--these are people who would not submit to Him as Supreme Ruler of the Universe/King of kings (Yeshua Ha-Mashiach), but worshipped the Beast (Revelation 13:8)

credit restorationresilient farm

Books can be obtained at Infowars Store

Some helpful Tips on Personal Finance:

  1. Do not have more than one (1) personal credit card (payoff balance at the end of the month).

  2. Prepare a budget and put a minimum amount of money away each paycheck for those unexpected emergencies. Also, invest a certain percentage of your salary every month in stocks. Diversify you investment portfolio with at least 80% blue chip stocks such as Johnson & Johnson, Church & Dwight , P & G ,etc. and no more than 20% in high risk stocks. Older persons should not be Also, purchase some silver that is delivered to you home--APMEX (American Precious Metals Exchange)--buy Gold and Silver for very little over spot. Do not put all your eggs in one basket and if you are an older person do not invest in high risk instruments. You can open a discount brokerage account at many banks and credit unions such as Wells Fargo, TD Bank , usbank, etc.-- discount brokeage accounts allow you to do your own investing on-line. (NJIAT is not advising, endorsing or encourageing anyone to buy any particular stock -- it is just giving you examples of what a blue chip stock is according to the New York Stock Exchange.)

  3. If you are purchasing a house or condo (there are many programs for first time home buyers), do not over extend yourself with a big house--if one spouse's income cannot support paying the mortgage and taxes, look for a less expensive house or condo. Mortgage: Try to make extra payments each month or bi-weekly payments in order to pay off mortgage sooner, which is a high investment rate -- Click How to Pay Off your Mortgage Faster. (For further information, see Mortgage, Banking and Real Estate subtopic below.) Try to make a self-sufficient home--solar panels, a separate transfer box for the generator, etc. (see Homeland Security tab;. 20 ways to become self-sufficient).

  4. If you are purchasing a car, SUVs (Jeep Cherokee (2014) makes a 9 speed automatic Clean Diesel --31 MPG), etc., do not over extend yourself by buying an expensive foreign vehicle--there are plenty of high quality American cars such as GM,(Chevy Cruz (2017) that has a Clean Turbo Diesel that gets 52 MPG), Chrysler or Ford or Ram (1500 diesel) or other less expensive foreign vehicles made in the U.S. available at low financing rates. GM & Chevy just came out with a mid-size pickup with a Duramax Diesel (29 highway). Nissan , who makes their trucks in the U.S., might also offer a diesel on their 2018 Frontier. Ford might come out with its Ranger model pickup truck and offer a diesel in 2018.

  5. Open a checking and savings account and sign up for internet banking--it is easier to manage your money and make transfers.

  6. I recommend that married couples have their own checking account with an overdraft account (an amount no more than a month's salary) attached to it as an emergency so you do not bounce checks and incur fees. Married couples should have their own Visa card or Mastercard; do not open a joint account if the other party is irresponsible unless you are willing to pay the bill each month (a credit card holder has the option to issue a separate credit card to a person or spouse with their name on the card as an authorized user only). [One can add their spouse as a POD (payable-on-death; an informal revocable trust) beneficiary to any bank account/accounts--if either the husband or wife is irresponsible with money, it will not affect your credit. Also, it causes both spouses to manage their money and this is very beneficial if either one drops dead.] Note: FDIC states one owner naming three unique beneficiaries can be insured up to $750,000 -- see FDIC.

  7. See the Homeland Security Tab and go to the subtitle How should United States Citizens Prepare themselves? to find out how to prepare for natural disasters or an economic collapse--important items are storable food, generators and self-defense weapons, etc.

  8. Recommended Financial Websites: The Trends Journal & The Economic Collapse & The End of the American Dream & Paul Craig Roberts, who was Assistant Secretary of the Treasury for Economic Policy--also, see Financial Help, What Happened to the Middle Class? and Real Economic Analysis sub-topics below.

Trends Journal 2013

The Trends Journal

Note: It is unfortunate that many credit unions have become more like commercial banks--many credit unions [at least the original credit union for State of NJ employees (The State Credit Union located at 12 East Lafayette Street, Trenton, NJ 08608)] would give every member (if they met the income requirement) the lowest rate on loans or credit cards even if one did not have a high FICA (Fair Isaac Corporation) score or were in bankruptcy. This policy benefited the middle class and lower income persons who had a problem credit history in the past. As a result of the recent mergers and regulations being relaxed, many credit unions have become nothing more than banks. (See Real Story Behind Negative Interest Rates: Banks Pushing Credit Unions Out of Business?) There are still some excellent credit unions out there. Consumer Union (Credit Card fights to protect citizens from credit card abuse from the banks—see .

The Federal Reserve Bank

Federal Reserve-the death of America

The Federal Reserve Bank is a central private bank that was created in 1913 and is owned via "primary owners/class A stockholders" by a few aristocratic family-run international banking dynasties in 5 pivotal nations in Western Europe such as Goldman Sachs of New York, JP Morgan Chase Bank of New York, Rockefellers, etc. Only Congress under the Constitution has the right to coin money--Adams and Jefferson warned about a central private bank coining money and Lincoln was against it and issued greenbacks; they knew it would surrender the sovereignty of America (this is not implying that the people who work for these banks or corporations are evil or dishonest--it is addressing the system per se, not the people). The private Federal Reserve controls the U.S. money supply through lending to banks, individuals, and the government. The U.S. Treasury will pirnt and sell bonds (loans with interest) known as T-bills to foreign countries, the general public and then back to the Federal Reserve. The Federal Reserve creates electronic fiat currency from thin air in order to purchase Treasury bonds--it holds these bonds as reserves. The reserves created by the Federal Reserve turns into another nine dollars that is circulated in the nation's banks to lend to individuals or businesses. The money supply is depreciated as a result. The whole system is scam by the banking dynasties that has been sold to a gullible American public. (See The Destruction of America: Brought to you by JP Morgan Chase & 11 Reasons why the Federal Reserve should be Abloshed & 100th Anniversary of the Federal Reserve and Here are 100 Reasons to Shut them Down--12/23/13.)

The Federal Reserve committed some $7.77 trillion in funds to major Wall Street banks during the 2008 crisis--this was reported by Bloomberg News on November 28, 2011 (they used the Freedom of Information Act to find out). The banks were receiving or borrowing below-market-rate loans from the Federal Reserve Bank at .10 percent and .25 percent and then the banks purchased U.S. Treasury bills that offerred more than 1% interest rate. This amounted to a cash tranfer from the federal government to big banks that netted them $13 billion in profits. Millions of home owners are denied assistance and are being foreclosed on and the banks get special treatment. (See The New American magazine Dec. 19, 2011 edtion: article entitled Another Secret Federal Reserve Bailout, $7.7 Trillion This Time.)

President Vladimir Putin on January 24, 2012 issued an Arrest Warrant for Hungarian currency-mogul convicted felon George Soros. Russian Intelligence has fingered Soros for using cross-collateralized compounded Swedish and Danish foreign currency derivatives utilizing Luxembourg banks for the purpose of an attack on the Russian stock market, which violates the terms of the Basil II European Union banking agreement. It is a disgrace that George Soros is still operating in this country and supporting many anti-Constitutional and anti-God organizations. I pray that this country (the U.S.) will repent and turn to the true God of the universe. Of course, all nations, races and nationalities will be judged by the Supreme Ruler of Universe on that great Day called the Great White Throne Judgement (Revelation 20:11-15). God shows no partiality. Also, see Geopolitics--Geoeconomics--it covers issues relating to energy, politics and economics, especially the fight between U.S., the EU (the Beast) and Russia over who is to supply and control the oil supply.

President Putin has also confronted Federal Reserve Chairman Bernard Bernanke and told him that the Russian Federation will no longer tolerate the use of indivduals like George Soros and Marc Rich (and his Swiss-based Richfield Commondities Brokerage firm) in the massive foreign currency derivative fraud that is destabilizing the world economy. See Empire's Double Edged Sword: Global Military + NGOs and Does Obama's Job Act pave the way for Wall Street scams?--Russia Today (RT), April 2012 and Congress Passes Obama's "Free Trade" Agreement known as (Korus, FTA)--10/13/14; another managed so-called free trade agreement to destroy the middle class and oppress the poor. Is Obama a Corporatist like our past presidents? Obama Administration Outsourced Jobs with Stimulus Funding. Obama wants to sign another so-called free trade agreement called TPP & FTAAP and is another assualt on the poor and middle class. Free trade is never free; sovereignty is the cost paid by those pushing the United States toward integration with other nations. A quote from WND article written by Roger Simmermaker (12/27/12) entitled Boot Company Gives Economy a Kick: According to Gus Stelzer in his book, “The Nightmare of Camelot,” President Gerald Ford set specific limits (quotas) on imported shoes from 1976 through July 1981. During this period, over 100 factories opened, $400 million was invested, and 30,000 new jobs were created. For the first time in a decade, the footwear industry turned a profit. Yes, quotas and tariffs work. Also, see The Foundations of Betrayal: How the Liberal Super Rich Undermine America.

What is Happening to the Middle Class?

Failure of Laissez Faire Capitalism by Paul Craig RobertsCorporte Fascism

Crony Capitalism and the Harm of Deregulation by Paul Craig Roberts

Americans after WWII from 1950s to 1970s were relatively independent and not dependant on the government. The were not poor, but they were not rich either. Globlization with so-called free trade policies has forced U.S. workers to compete with 'slave labor' wages around the world. When a company or corporation moves overseas, Wall Street rewards them. The U.S. workers get screwed. There is a very close relationship between big business and government--you can call this the one percenters. In order to keep the American people dumb and stupid, big business uses a tactic called divide-and-conquer among the left and right. This is how it works: Liberal Democrats blame Wall Street bankers and so-called conservative Republicans blame unions and big government. The Democrats and Republicans fight each other while the one percenters (the elite) get wealthier. (Yes, there is a hoarding of wealth by the elites, which is an abomination to the Supreme Ruler of the Universe.) When you have a union member, tea party member (the tea party has been hijacked by your false conservatives), corporate executive looking at the pie, the corporate executive has already taken 9/10ths of the pie. The union member and tea party member are fighting for 1/10th or less of the pie. Government and Wall Street work with each other and feed off each other. Yes, Bablyon and the Beast will be judged and destroyed and the kings of the earth will weep and lament for her when they see the smoke of her burning. "The merchants of these things, who became rich by her, will stand at a distance for fear of her torment, weeping and wailing, (Revelation 18:15, NKJV). (See Who Destroyed the Middle Class?, The Property Tax Lien Scam: Homeowners Lose--Banks and Governments Win , America's Descent into Poverty, Only 24.6 % of all Jobs in the United States are Good Jobs and Economic Failure 2012: 58% of Jobs Created are Low Paying.)

History and problems with Outdated Trade Theories

Paul Craig Roberts in his book entitled The Failure of Laissez Faire Capitalism explains how economic theories in the past do not work because of our global economy. Economic theory orignated with Adam Smith in the 18th century. The other economists that followed are: 1. 19th century the British economist David Ricardo made the case for free trade based on comparative advantage; 2. Alfred Marshal, British economist in the 19th century explained the formation of prices; and 3. John Maynard Keynes, British economist in the 20th century, gave us macroeconomics. You had Germans, Austrians, Italians and Frenchmen who made contributions to the economic theories. However, the economic corpus is the Smith-Ricardo-Marshall-Keynes-Friedman.

An example of one theory that does not work is David Ricardo's theory. His case for free trade was based on comparative advantage. It is based on some countries can produce tradable goods at a lower cost than the other country. He used as an example wine and wool--wool is cheaper in England and wine is cheaper in Portugal. So, England has a comparative advantage in wool and Portugal has a compartive advantage in wine. Both countries have different relative price ratios for producing tradable goods. However, this is not the case today. Relative price ratios are the same in every country--inputs and outputs are knowledge-based. So, now it is countries competing for the same products.

Consequences of so-called Free Trade

Because capital can move very easily in the 21st century and that most corporations have no loyalty to their home country, capital and jobs departed the country that includes offshoring production. This was also the result of Congress changing the tax deductibility of CEOs pay that was not performance related and Wall Street pressured corporations for higher returns. This included Wal-Mart putting pressure on their suppliers to sell them products at the same price as the Chinese price. Hostile takeovers were also justified by the same reason above; that is, greater shareholder returns for offshoring production.

When production is moved to a foreign country, the U.S. tax base shrinks (which affects your social safety net programs), U.S. GDP declines and foreign GDP increases. Employment and consumer income decline in the United States. Also, H-1B and other work visas are a form of "insourcing." This should not be allowed--it is replacing American workers.

Note: All work is honorable before God. Martin Luther during the Protestant Reformation (1517) stated that all labor could be done to the glory of God, not just the labor of monks and nuns. John Calvin, one of Luther's followers, systematized the theology of the Reformation that included the principles of the Magna Carta (1215) and laid the foundations for both English and American civil liberties: freedom of speech, religion, press, the privilege against self-incrimination, the independence of juries, the right not to be imprisoned without cause (look at the recent passge of the NDAA in 2011), the right of habeas corpus, etc. The 19th century historian Leopold Von Ranke called Calvin the "virtual founder of America." However, because the U.S. corporations and the government have become more Fascist/Corporatist in its ideology, workers are no longer valued. Even the Russians are criticizing the Americans for surrendering their freedoms (see American Capitalism Gone with a Whimper into Marxism, but Wall Street failed when it tried to push Russia into Marxism according to Pravda--2009). Also, see Vulture Capitalism Killed Twinkies & Hedge Funds took Profits and piled on Debt. Employees are considered a liability instead of being made in the image of God (see the Book of Genesis)--this is a result of rejecting the true God of the Bible.

Pensions in the Private Sector and What Happened?

Pension Lock Box

According to Employee-Benefit Research Institute, 26.3 million private-sector workers (45 percent of all private-sector workers) in 1970 were covered by a pension plan. Only 22 percent of private-sector workers in 2011 were offered traditional pension plans according to the Bureau of Labor Statistics. Defined Benefit Plans (Pensions) has declined from 42 percent in (1989-90) to 22 percent in 2011.

The 1991 Soviet Union collapse caused socialist India and communist China to open their economies. This resulted, with the help of Wall Street and large retailers, in American corporations to offshore the production of goods and services for their domestic markets. American workers were no longer employed to manufacture goods they consume and the corporate executives earned performance bonuses that resulted in replacing American workers with cheap foreign labor because the shareholders wanted short term profits. This initially affected blue collar workers, but then it affected white collar workers such as software engineers. The distribution of income has worsened--the mega-rich capturing most of the gains and middle class being dismanteled (an offense to Yahweh).

Financial deregulation did not help either. It began with former President Clinton who promoted greed and debt leverage that was carried forward by former President George W. Bush. To quote Dr. Paul Craig Roberts, father of Reaganomics and former head policy at the Department of Treasury, in his article entitled Americans' Economic Prospects And Civil Liberties have Been Stolen (03/25/13), "Boooksley Born, head of the federal Commdity Futures Trading Commission, was prevented from regulating over-the-counter derivates by the chairman of the Federal Reserve, the Secretary of the Treasury, and the chairman of the Securities and Exchange Commission. The financial stability of the world was sacrificed to the idealogy of these three stooges that "markets are self-regulating." Insurance companies sold credit default swaps against junk financial instruments without establishing reserves, and financial institutions leveraged every dollar of equity with $30 dollars of debt."

What happened? The Federal Reserve had provided $16 trillion in secret loans to bail out American and foreign banks. The mega-rich got bailed out while millions of American families were forced out of their homes. Because of the offshoring of jobs, which is not free trade by the way and free trade itself is found by the lastest research in trade theory to be wrong, this has prevented Obama's most expansionary monetary and fiscal policies in the history of the United States to fail--no real unemployment rate reduction. (Obama is a corporatist.) This nation needs to repent towards God (if this nation wants to promote homosexuality, abortion, fornication, adultery, stealing, lying, gay adoption, not teaching your children right from wrong, reject parents' rights and the Father as Head of the household, anti-second amendment laws, etc., then do not expect the Annointed One to bless this nation) and maybe He will stop the oppressors in the White House, Congress and the ruling elite.

Social Security and Medicare

Social Security Card

Source: Wikimedia Commons

Outsourcing or job offshoring has serious repreccusions for Social Security (SSN) and Medicare--the elimination of our manufacturing base has not only destroyed this country and the middle class, but will put a terrible strain on SSN and the tax base. The U.S. has the worst safety net of any developed country. SSN and Medicare are funded by a payroll tax--the combined tax is 15.3%. SSN has built up a surplus of over $2 trillion in the past quarter century with Medicare recently running in the red. The Left-wing and Right-wing Republicans have been brainwashed with incorrect beliefs about SSN and Medicare. The Right-wing thinks that the 15.3% tax is an "unfunded liability" and "Ponzi scheme." Well, what about military pensions, veterans benefits and federal pensions that are financed by the income tax? The Left-wing thinks because the SSN payroll tax is capped at $110,000, the rich are not paying enough payroll taxes. However, the benefits are capped and SSN is not a pension for the rich--the poor do get more than higer income earners proportionally. There is no cap on income on the Medicare portion of the tax. SSN and Medicare protect individuals from incompetent money managers or their own mismanagement and protect many hard working citizens that cannot provide for their livelihood and medical care. The Bible is the final word with regard to any postion including a safety net (ancient Israel had a Third Tithe every 3rd and 6th year during the 7 year Shemittah cycle to help the poor--see Deutornomy 14:28-29 as a principle for Christians & all governments around the world), not the Constitution. Man will be judged by the Messiah based on His Word, the Bible. Although I respect and cherish and will defend our great Constitution, the Supreme Ruler of the Universe supercedes it and everything else--remember God ordains governments and He is the one that sets parameters regarding their authority of what they can and cannot do--see the Politcs/Voting Tab for further information on States' authority per Supreme Ruler of the Universe.(Donald Trump wants to make sure SSN is solvent and wants to protect it.) See American R.I.P. by Paul Craig Roberts for further details on this subject.

Obamacare--What will this do to your Healthcare?

ObamacareInfowars Magazine exposes Obamacare

Obamacare Will Increase Avg. Individual --Market Insurance Premiums by 99% for Men and 62% for Women & Obamacare is another Private sector Rip-Off of Americans & Obamacare with lead to a Death Spiral & Obamacare: A Deception (extensive research on how the Patient Protection and Affordable Care Act benefits the insurance companies, not you--the original proposal was for single-payer health care system that most developed nations have. Obamacare was written by the private insurance industry with the goal of raising its profits with 50 million mandated new customers; get your Infowars Magazine-Oct.2013 on this subject).

Obamacare was formulated on the concept of health care as a commercial commodity and was cloaked in ideological slogans such as “shared responsibility,” “no free riders” and “ownership society.” These slogans dress the insurance industry’s raid on public resources in the cloak of a “free market” health care system. Low income people have free healthcare through Charity Care and many do not know it unless they are on welfare.

List of helpful websites below on personal finance (financial help, value of cars, mortgages, banking, credit agencies, car Insurance, government sites, etc.)

Victoria Falls with bridge

Victoria Falls [Dr. David Livingstone (1813 - 1873) praised God when his eyes saw the the waterfall that is on the border between Zambia and Zimbabwe and is over a mile wide (1.7 Km) and 360 feet high (108m)--Dr. Livingstone sighted, mapped and named the largest waterfall in the world on Nov. 16, 1855]

Financial Help

County & State Help

Heath Care/Insurance Help for Christians

Free Government Cell Phones and Phone Holders--this program did not start with Obama. It started with President Clinton and was continued under President Bush. (Nokia (cell phone division sold to Microsoft) makes some of the best cell phones on the planet--41MP camera.)

Cell Phone Repairs (cracked glass, etc.)--below is just a small list; there are other repair shops.

  • --repair service of cell phones (all makes) and computers; locations: Rt 1, Metuchen, NJ, Lawrenceville, NJ and Oxford, PA.
  • Princeton Tiger Tech --repair service of cell phones (all makes) and computers; located off of Nassau street, Princeton, NJ.
  • iCity Repair (Kiosk) --repair service of cell phones (iphone and Galaxy); located in the Bridgewater Commons Mall--Zone D, Level 2.

Purchase TV Antennas (made in the U.S.) to Watch TV for Free

1939 RCA Television Advertisement.Picture Left: 1939 RCA Television Advertisement

Cars , Motorcycles, Guns, Coin Values & Buy Gold and Silver

Mortgages, Banking & Real Estate (Finding a House)


Find a Home and Government Programs

Banking, Visa cards

Payment Services (making payments, sending money, etc.) with no up front costs

Insurance (Term-Life)

Identity Theft

Credit Agencies, NJ and PA Insurance Companies, Vehicle Registration & Obtaining College Transcripts or High School Diplomas

Cellular Phone Plans, Home Phones that work off your Internet Cable & Alternatives to Cable or Satellite TV

Recommended Books & Articles

Government sites

Housing (most Counties have a website dedicated for Rentals and Housing and Low Income Rentals and Housing). It is unfortunate because of the high illegal immigration, outsourcing, Manufacturing being moved overseas, illegal wars, etc. that our Safety Net is fallen apart and housing and rentals are scarce and expensive.

Sales Tax, Forming Corporations, File Returns, Bulk Sales in NJ, etc.

The Real Financial Analysis of our Economy and Country

Helpful Business Sites on Miscellaneous Services in New Jersey & PA

US Flag
New Jersey Flag
PA Flag

Music (Private Guitar Instructions and Books)

Smith's Complete Book of Scales

Guitarsmith -- see the book entitled Smith's Complete Book of Scales--every scale in lexicographical order--the only book with every possible scale on the market.

Barber Shop, Commercial Cleaning, Dentist, Costume Shop, and Food

Hunterdon Haircutters--located at the Hunterdon Shopping Center (51 Reaville Ave, Flemington, NJ 08822. Ph#(908) 782-4509).

Papics Janitorial -- commercial cleaning in Hunterdon County, NJ, Easton, Pa, etc. President, Brad Morris. Ph# 908-788-5900

Mermet Family Dentistry--located on 114 Titus Mill Rd, Suite 104, Pennington, NJ

The Party Stop & Costume Corner--Ph#908-232-3150. 932 South Ave. W, Westfield, NJ 07090

Buddy's (sold business and the existing owner closed doors last month)--located on 22 Main Street, Flemington, NJ across from the post office. Ph. 908-788-2777. Former owner of Buddy's receives letter of thanks for being part of the National Night Out 2012 on 08/07/12 from Sheriff Frederick W. Brown and Anthony P. Kerns III, Prosecutor--see National Night Out 2012 Letter—PDF.

Jakes Restaurant & Bar--located at the on Rt. 202/31 South, Flemington, NJ 08822. Ph#908-806-3188.

Lawn Mowing, Mulching, Walks, Repairs, Playground Safety, Construction Consultant, and Toilets with Overflow Protection, etc. in NJ & PA

Oak Enterprises--lawn mowing, mulching, etc. Honest owner, who served in the military (Frenchtown)

Organic Dutchman LLC--located in Clinton, NJ. Former Councilman Harman Vos, who emigrated to America from The Netherlands in 1987, is the owner--he also was a Sergeant Commando in the Royal Dutch Army, under NATO, Special Forces--Green Berets.

Cheap Scapes--bricks in sand patios, walks, etc. in PA. Located in Washington Crossing, PA

Safety Down Under--playground safety specialists located in Pittstown, NJ

Penguin Toilets--a toilet with overflow protection

Flemington Sew "N" Vac, Inc. (Sewing machines & vacum sales & service -- will repair vacums). Located on 59 Main Street, Flemington, NJ 08822. Ph#908-782-1001

Ed's Home Care, Inc. (HIC #PA011176) Ed Bennett, 92 Duane Rd., Doylestown, PA 18901.267-614-3000,

Vincent Mitterando--Construction Consultant in Readington twp.

Car Services--Detailing, Repair, Auto Body, Tinting, Used Car Dealers, etc.

North Branch Car Wash--(offers mini detailing around $43 & up) and is located at 3321 Rt. 22 East, Branchburg, NJ 08876 behind the Mobile Gas Station (Rt 22) by Lukas Dinner & close to Raritan Valley Community College. Ph#908-725-7374

AutoImage--window tint, mobile audio, etc., located at 16 Frelinghuysen Ave, Somerville Circle 

Frank's Auto Repairs---tires, batteries, repairs, maintenance, etc. for cars. Located at 31 Biser Road, Flemington, NJ 08822 (Delaware Twp.) Phone: 908-782-7650

Flemington Auto Body, Inc.--high quality auto repair work located at 212 Route 202 & 31 N, Flemington, NJ 08822. Contact info: Phone: 908-782-4217 or e-mail at

Arctic Motors--used vehicles located at 62 Arctic Parkway, Ewing, NJ 08638

Cappa's Foreign Car Specialists--Quality Foreign Pre-owned cars bought and sold located at 258 South Olden Ave., Trenton, NJ 08629. Phone: 609-394-7070 

Locksmith & Machine Shop

Hunterdon Lock & Safe, Inc.--41 Mine Street, Flemington, NJ (908-788-9696)--Licensed Locksmith and sells door knobs, deadbolts, high security lock systems, under the bed Gun Safes, etc.

Frederiks Machine & Tool Co, Inc.--90 Kingwood Stockton Rd, Rosemont, NJ (609-397-4991)

Paint and Installation of Carpets, Hardwood Floors, Repairs, Bolts, Residential Glass, etc.

Stryker's Paint Store--offering high quality paint and services for over 70 years; located at 16 Bloomfield Ave., Flemington, NJ (off of Main Street).

I-B Floors---Professional Installation in carpet, vinyl flooring, harwood floors, custom designs, repairs, etc. Call John Leon at 908-246-8921. Located in Flemington, NJ.

Fastenal--offers bolts, screws, nuts, anchors, washers, etc. Stores across the country. Local store: 3 Stangl Road, Flemington, NJ 08822. PH#908-237-0445

Glass Castle -- Residential and Commercial glass products. 843 US Highway 202, Neshanic Station, NJ 08553; Ph#908-782-0812

Signs, T-Shirts, Business Cards and Photography (Movie Conversions to DVD), Paintings (Artist Outdoorsman)

 E-MAC--Signs & Graphics; located in Sergeantsville, NJ (Delaware Twp.)--will design T-Shirts. Their phone number is 908-806-4555 or e-mail Eileen at

Printech--Imaging for business; located on Main Street in Flemington, NJ

Jessica Van Zee--fine artist and graphic designer in New Jersey

Black Lab Imaging--converting movie films (video, 8mm or 16mm) to DVD, processing film, picture framing, etc. Located on Main Street in Flemington, NJ (908-751-5131)

The UPS Store--custom packaging, etc. Located on 203 Main Street, Flemington, NJ 08822

Jack Paluh Arts, Inc.--Art inspired by nature, Waterford, PA.

Pulaton--door wall sticker covers. Located in St. Izumsakya, 50/156, Moscow, 117624 (Russia)

Paul Hoffman paints a mural

Above picture: Paul J. Hoffman working on a hotel mural in Costa Rica

Paul Wildlife Artist San Ramon Costa Rica--Paul J. Hoffman is an artist in Flemington, NJ. Paul Hoffman has become a renowed artist and was a Hunterdon Central High School graduate and on the Cross-Country team (see High School Tab). Paul is married to a pretty 29 year old and has children. Paul was told by one of his Hunterdon Central teachers that he had no talent! Paul always had a high IQ and was talented, but discouraged at Hunterdon Central High School. (Paul is glad he is not in high school now with the "Common Core" curriculum dumbing down the students.) Paul taught himself Spanish and is fluent. See him on Facebook at Paul Wildlife Artist San Ramon Costa Rica. See PDF pictures below of the 350,000 (ft2)/32,516.064 (m2) hotel mural project in Costa Rica.

Hoffman2017-1-- PDF; Hoffman2017-2-- PDF; Hoffman2017-3 -- PDF; and Hoffman2017-4 -- PDF

Trailers and Generators and other Misc. Items--also, see Homeland Security Tab & the sub title entitled "How should United States Citizens Prepare Themselves"?

Costco--high quality products, especially generators. Location: 325 Promenade Blvd., Bridgewater, NJ

McMaster-Carr--over 480,000 high quality products such as hardware, electrical, hand trucks,etc.

Haulmark Utility Trailer--One can order a utility trailer direct--Internet Trailer--and FOB McAdoo, PA 


Because of the big companies, consumers can obtain watches or diamonds at a considerably lower price then going to a small jeweler. Probably the small jeweler will not be around in the next 10 years. I see watches on Amazon and Costco for half the price of a small jeweler, but the selection is sometimes limited. Even diamonds.

However, there are many models that many big store outlets do not sell and you might find them at a smaller jeweler. They can also customize jewelery for you.

Kries Jeweler--24 Main Street, Flemington, NJ 08822

Computer Consultants for Corporations and Businesses

PCB Apps--Pioneer in business applications.

Premier Chess Instruction for Children and Adults

Dean of Chess--located at Branchburg, NJ

New Jersey Civil Service Commission

State Employee Discount Program--discounts for government employees.

Reputable Attorneys in Hunterdon County, New Jersey

Roman Lawyer

Roman Lawyer Valerius Petronianus (315-320 A.D.) from the sarcophagus by Giovanni Dall'Orto

Carl M. Ippolito—Attorney At Law, JD/MBAlocated at 1 Washington Crossing-Pennington Road, Suite C, Pennington, NJ 08534 & Hunterdon County (near Flemington, NJ) who is a Hunterdon County resident. Ph# 609-818-1222 (Office), or 609-916-1335 (eFax); E-Mail: or (An honest attorney specializing in Business Contracts, Business Formation, Business Planning, Business Litigation, Corporation, LLCs, Partnerships, Corporate Law, Estate Planning, Wills & Trusts, Discrimination suites, Personal Injuries, etc.)

Law Offices of R. Dale Winget, Esq., P.O. Box 968, 84 Park Ave., Suite E-102, Flemington, NJ 08822. E-Mail:

Real Estate

Sharon L. Ippolito, Sales Associate for Lisa James Otto Country Properties located in Stockton, NJ and New Hope, PA. Sharon is licensed in NJ & PA.

Firearms Dealers & Ranges

(For more information on firearms, see the Police/Sportsmen Tab and for "Survivor Products" for the United States Citizen, see the Homeland Security Tab)

General Defense Outfitters (owner former Marine and Licenced Firearms Dealer)--Great deals on firearms, scopes, airsoft & paintball guns, survival kits, etc. Gunnar Kiermaier's U.S Marine Survival Kits ( that includes gas masks, water filteration bottles, freeze-dried foods, tools, blankets, etc.; optional gun if qualified) and non-hybrid seeds or open-pollinated seeds that allows the gardener to collect seeds from a crop for future planting--the government has proposed regulating seeds.Located in New Hope, Pa. Contact Gunnar at 215-297-5444 or e-mail him at Yes, NJ residents can buy rifles in PA if they possess a Firearms ID card. Website:

The Heritage Guild--a beautiful firearms store located at 70 Hilton Street, Easton, PA (Exit 75 off Rt. 78) with a state of the art indoor shooting range. Other locations: Branchburg, NJ and Rahway, NJ

New Shooting Range--Tactical Training Center (T.T.C.)-- in Raritan Twp. Located in 10A Minneakoning Road, Flemington, NJ 08822. PH#908-782-9000. A beautiful indoor shooting range.

Tactical Training Center, LLC (T.T.C.)

Solar Systems, Environmental Services and Cement for private and commercial buildings

Construction Management Services of New Jersey, LLC. Construction planning & on-site management of all civil & building trades (representing the owner's interest in large scale & problem projects). Contact John W. Hoff at Ph#609-468-2815 or e-mail

Quest Environmental & Engineering Services, Inc., Clinton, NJ. (Darin P. Vogel P.G., CHMM Sr. Project Manager) 

deGruchy’s Lime Works located in Quakertown,PA—why Lime mortar is better than modern Portland cement--this is the reason why the old cement columns off of NJ highways are in excellent shape and the new cement columns are deteriorating after 20 years. Also, see deGruchy's Lime

Do States in the U.S. that are more Liberal/Secular
Humanist have fewer freedoms?

New York City

New York City

Which States are worst for personal freedom?

Areavibes -- this website might not necessarily take into account personal freedoms such as gun freedom (2nd Amendment), freedom of religion, etc.

Freedom in the 50 States—An Index of Personal and Economic Freedom
(Mercatus Center George Mason University; Feb. 2009)—PDF

Rebuilding American Freedom in the Twenty-First Century by Dr. John W. Robbins (a graduate of Johns Hopkins University who was a Legislative Assistant, Chief of Staff, Economic Analyst for The Heritage Foundation and lectured and taught at institutions such as Harvard University ). Dr. Robbins explains philosophically the principles which brought America freedom is now rejected and despised by Conservatives, Libertarians and Liberals--PDF

Free Trade & Out Sourcing That is Destroying the Poor & Middle Class—the Marxist and Socialist Connection

Free Trade and Out Sourcing

How Free Trade Is killing America and Violates Constitution by Gus Stelzer (a high-ranking Executive for GM)—PDF


NAFTA: 20 years later

Image Credits: David Dees

NAFTA is 20 Years Old--Here are 20 Facts That Show How It is Destroying the Economy (08/15/14)

Westminster Abbey Statute of Queen Victoria Buckingham Palace in London

British Commonwealth—a popular club (Nations clamor for membership in successor of powerful empire)

Two Recommended Books below on the Worldview or Philosophy
that brought Western Europe and the United States
Economic and Personal Freedom.

Christ and Civilization

Dr. John W. Robbins
Trade paperback, 48 pages

Civilization as we know it is a result of the widespread proclamation and belief of the Gospel of justification by faith alone in the sixteenth century. Christ foretold this result in the Sermon on the Mount: "Seek first the Kingdom of God and his righteousness, and all these things will be added to you." This brief overview of the history of Western Civilization makes it clear that our cultural debt is to the Gospel, not to Greece and Rome.

The Trinity Foundation

Ecclesiastical Megalomania

Dr. John W. Robbins
Hardback, 326 pages, indexed, 1999

The noted English political philosopher A. P. D'EntrËves argued that "it is hardly possible for the modern man to accept the system which St. Thomas founded...without renouncing the notion of civil and religious liberty which we have some right to consider the most precious conquest of the West." Ecclesiastical Megalomania explains the conflict between Roman Catholicism and freedom in detail, relying on official Vatican pronouncements to demonstrate that Roman Catholicism is hostile to constitutional government, political and economic freedom, and the private property order. The "Mother Church" is the mother of feudalism, the corporative state, liberation theology, the welfare state, and fascism. [The NJIAT President highly recommends this book for Catholics and Evangelicals on understanding the consequences on economic and political freedom that result from rejecting Sola Scriptura—many honorable Roman Catholics who believe in private property, political freedom and capitalism will be shocked on what their church teaches on economic and political issues; many quotes are from John Emerich Edward Dalberg, Lord Acton (a great Roman Catholic historian in the 19th century) who condemned the many practices of the medieval Roman Catholic Church.]

The Trinity Foundation & Jesuit Trained Pope Trashes Capitalism in Call for Worldwide Socialism (11/26/13)

Who started Unions?

Historical Note: Unions were originally created and founded by Protestant/Evangelical Christians in Wales [which was the result of the Whitefield and Wesley revivals (1737 – 1770)] because of the exploitation and death (black lung) of the coal workers. The unions were formed to protect their brothers and sisters in Christ. Also, child labor laws were implemented by Evangelicals. “Look! The wages that you kept back from the workers who harvested your fields are shouting out against you, and the cries of the reapers have reached the ears of the Lord of the Heavenly Armies. You have lived in luxury for the day of slaughter. You have condemned and murdered the one who is righteous, even though he did not resist you.” (James 5:4-6, ISV.) Unions in this country have been be very beneficial to the workers in protecting them from exploitation; however, many of today’s unions, which have done a lot to protect the worker, have been supporting wicked politicians who are anti-Christian, free-traders and support illegal immigration, etc. These actions by many unions will ultimately destroy this country and the middle class that they are trying to protect. "Righteousness exalts a nation" (Proverbs 14:34).

The Myth about so-called Free Trade/Free Market Economies and No Tariffs

EU and United States

Europol in the U.S. --Beginning of an EU-U.S. Police Merger?

"We cannot leap into world government in one quick step....Genuine globalization--is progressive regionalization, because thereby we move toward larger, more stable, more co-operative units." --Zbigniew Brzesinski, President Carter's national security advisor and a founder of the Trilateral Commission, in an address to world leaders at Mikhail Gorbachev's 1995 State of the World Forum

The New American Magazine, published by the John Birch Society, has been kind enough to offer their Special Report, How The Free Trade Agenda Is Knocking Down America--PDF, Sept. 2, 2013 issue for free on line. The John Birch Society ,founded by John Welch and named after Captain John Birch who was a Baptist missionary and served in the U.S. Army Air Force during World War II and was killed by the Chinese communists while in uniform, has been fighting for the poor, middle class and Constitution since 1958--a diverse group of people belong to the society (African-Americans, especially pastors, Spanish, European, and different faiths, etc.). Recommended to join or at least purchase the magazine.

Free Trade Timeline for the United States and its Distruction and Elimination of the Middle Class

1. 1974--Congress approves fast-track negotiating authority for the president; 2.1988--Congress approves the Canada-United States Free Trade Agreement; 3. 1993--Congress approves North American Free Trade Agreement between the United States, Canada, and Mexico; signed into law by President Clinton in 1994; 4. 1994--Talks begins about the establishment of a Free Trade Area of the Americas (FTAA); 5. 2001--Public takes notice about the FTAA at the 2001 Quebec City Summit of the Americas; 6. 2002--President George Bush wants to complete the FTAA agreement by 2005, but needs Congressional approval; 7. 2004--The John Birch Society exposes FTAA and launches a compaign; 8. 2005--President Bush attempts to create the Security and Prosperity Partnership (SPP) to try to transform NAFTA into the North American Union (NAU); 9. 2009--the SPP/NAU abandoned, but activities cotinue under the North American Leaders' Summit; 10. 2011--The John Birch Socity has been effective in opposing and inhibiting Obama and Bush on these trade agreements; 11. 2013--President Obama is trying to negotiate two mega free trade pacts, the Trans-Pacific Partnership (TPP) and the Transatlantic Trade and Investment Partnership (TTIP)--his efforts would lead to the political intergration of United States with the European Union with some Pacific Rim nations included. President Obama and Congress are really standing for the middle class and poor--everyone will be poor and will have no Consitutional rights!

A Capitalist Society, the U.S. now has a semi-Fascist Economic System, was always Regulated. Socialism is no different than Guerilla Capitalism (Fascism).

Socialism is for the wealthy

Both private and corporate ownership of production in a capitalist society is still regulated by government.  If there were no regulations or oversight and everyone did what they pleased, the capitalist system would quickly switch to a cannibalistic, winner-take-all system that would result in anarchy.  A nation cannot have an absolute “laissez-faire” and “free market” economy (that is unregulated)—if this was true, then there would be none of the following laws:

  • labor laws;
  • tax laws;
  • minimum wage;
  • unemployment compensation;
  • vacation;
  • sick leave;
  • Social Security;
  • Medicare;
  • national defense; and
  • adequate controls for pollutions, etc. 

Of course, excessive taxes, high mortgages, high interest rates are condemned Biblically and destroys a nation.  The people cried out in (Nehemiah 5-:1-6) over the economic hardships imposed, and he replied,

Again I said, “The thing which you are doing is not good; should you not walk in the fear of our God because of the reproach of the nations, our enemies? “And likewise I, my brothers and my servants are lending them money and grain. Please, let us leave off this usury. “Please, give back to them this very day their fields, their vineyards, their olive groves and their houses, also the hundredth part of the money and of the grain, the new wine and the oil that you are exacting from them.”  Then they said, “We will give it back and will require nothing from them; we will do exactly as you say.” So I called the priests and took an oath from them that they would do according to this promise. I also shook out the front of my garment and said, “Thus may God shake out every man from his house and from his possessions who does not fulfill this promise; even thus may he be shaken out and emptied.” And all the assembly said, “Amen!” And they praised the Lord. Then the people did according to this promise.  [Nehemiah 5:9-13 (NASB)]

Hoarding and exploiting the wage earner is a great sin (83 percent of all U.S. stocks is owned by 1% of the population--66% of the income growth in the last decade went to the top 1% of all Americans; the middle class is being eliminated). Unfortunately, every U.S. administration (Bush, Clinton, Bush Jr. and Obama) has been promoting these destructive economic policies that destroy the middle class and make the poor even poorer (see James 5: 1-3).

If the people fear God, then financial righteousness will be established through out the land.

There is no provision in the U.S. Constitution that makes no provision whatsoever for commerce to be transacted without regulation.  Paragraph 3 of Article I, Section 8 of the U.S. Constitution specifically delegates to Congress the power and responsibility to “regulate” commerce with foreign nations and between states.  Paragraph 1 of Article I, Sections 8 states the following about Congressional authority:

…to lay and collect taxes, duties, imposts and excises [which shall be] uniform throughout the United States.

Article I, Section 8, Clause 3 of the U.S. Constitution gives Congress the power "to regulate commerce with foreign nations and among the several states, and with Indian tribes." Trariffs on imports would be the principal method of paying for running the government. In fact, tariffs were a major federal revenue source for the first 125 years of the nation. Yes, any laissez faire laws without regulations (congressionally regulated commerce with foreign nations and between states) was prohibited.

Having tariffs and regulations is not anti-capitalist.    A few quotes from our past U.S. Presidents and forefathers that were compassionate capitalists and put the country first:

  • “By the tariff system the whole revenue is paid by the consumer of foreign goods…the man who contents himself to live upon the products of his own country pays nothing at all.”(President Abraham Lincoln—1st Republican President)
  • “I do not prize the word ‘cheap.’ It is not a badge of honor…it is a symbol of despair. Cheap prices make for cheap goods; cheap goods make for cheap men; and cheap men make for a cheap county!”  (President William McKinley)
  • “I have come to a resolution myself, as I hope every good citizen will, never again to purchase any article of foreign manufacture which can be had of American make, be the difference of price what it may.” (President ThomasJefferson)
  • “Every nation ought to endeavor to possess within itself all the essentials of a national supply. These comprise the means of subsistence, habitation, clothing and defense.”  (Alexander Hamilton)

High tariff walls erected in the United States between (1870 to 1900) not only protected American jobs, but also encouraged efficiency.   The following occurred according to Roger Simmermaker in his book entitled How Americans Can Buy American, page 368 & 39:

  • Prices for American made Textiles fell 30 percent
  • Prices for American made Metal products fell 49 percent; and
  • Prices for American made Chemicals fell 41 percent.

It should also be mentioned that outsourcing could cause the lose of $136 billion in wages and 3.3 million jobs (2 percent of the U.S. workforce) by 2015 according to a Forrester Research done in 2005.

What about the North American Free Trade Agreement (NAFTA)?


Special Report: How The Free Trade Agenda Is Knocking Down America--PDF (Sept. 2, 2013) & NAFTA is 20 Years Old--Here are 20 Facts That Show How It is Destroying the Economy (08/15/14)

The first five (5) years after NAFTA was passed and signed into law by President Clinton the following occurred:

  • 100 Florida Tomato farmers lost their farms;
  • 24 packing houses closed;
  • 100 processors and suppliers went bankrupt; 
  • Mexican imports of tomatoes went up 70 percent; and
  • Tomato prices increased 16 percent.

NAFTA has caused growing trade deficits with Canada and Mexico that as resulted in 1 million workers out of higher-wage jobs and put into lower-wage positions in non-trade related industries.  It has also caused steadily declining demand for workers with a college degree.  The reduced wage payments to the U.S. workers is around $7.6 billion in 2004. See the following articles below:

(The myth that high-tech jobs would replace manufacturing jobs is false—the United States according to the Associated Press (07/16/07) imported $102 billion worth of high-technology products, mostly from China, then it exported.  Also, the major chemical exporters in this county ended its eight-decade dominance—our trade surplus of $18 billion in 1997 became a $9.6 billion trade deficit in 2003.)

According to Ian Fletcher, who is the author of the book Free Trade Doesn't Work: What Should Replace It and Why, stated the following: "From 1790 to 1945, America grew and prospered in a largely protected economic environment. Our trade then was not 'free.' But after World War II, we wandered away from Alexander Hamilton's vision of a relatively self-contained American economy in order to win the cold war. We threw our markets open to the world as a bribe not to go communist. If we fail ro return to a policy of strategic, not unconditional economic openness, we may lose the next cold war--to a Confucian authoritarianism no less opposed to the idea of a free society than Marxism, and considerably more efficient."

 Unfornately, greedy corporate heads can produce its products anywhere in the world even by countries that use slave labor. The corporate heads have no concern for Americans, but only to make huge profits for their shareholders and then reward the top business leaders with fat bonuses. Donald Trump has been speaking out against our trade policies with China. He should be commended for his stance against an unsustainable American trade deficit fluctuating around $500 billion a year for a decade now. The trade deficit helps China, Japan, Korea, Germany, etc., but not the American middle class. Now it is affecting the white collar sector of America, which includes many professionals.

All the major candidates have supported NAFTA, which includes both Senator Hillary Clinton (Democrat), Senator and now President Barack Obama (Democrat) and Senator John McCain (Republican).  They are not for the working class/middle-income Americans or putting this country first!   See the following articles below:    

Free Trade Doesn't WorkFletcher has written a powerful and refreshing critique of some cherished assumptions held by mainstream economists. It is  uniformly insightful, often brilliant, and remarkably readable. Obama’s team should read it—and soon.

 --George C. Lodge, Professor Emeritus, Harvard Business School and author Managing Globalization in of Interdependence.

Note from NJIAT president: Economics is defined as a social  science and therefore value-free; however, all people start from a worldview or presupposition—an empiricist believes that  through their senses or observations truth can be determined;however, without God and the Bible as an objective standard one cannot have absolutes or freedom. Most economists believe in the infallibility of free markets, which free trade is a part, as a religion such as MarxismKarl Marx (05/05/1818—03/14/1883) stated: “That is why I advocated free trade in 1848. Free trade breaks down national boundaries and advances the cause of international socialism.”   Karl Marx, speaking in Belgium on Jan. 9, 1848, endoresed free trade, to wit:

Generally speaking, the protective system (of tariffs) in these days is conservative, while the free trade system is destructive....It (free trade) breaks up nationalities and carries antagonism of the proletariat (industrial workers) and bourgeoisie (small business owners) to the uttermost point....In a word, the free trade system hastens the social revolution....Gentlemen, I am in favor of free trade.

The libertarian Cato Institute is the Vatican for most economists and politicians and their religion is the Ayn Rand cult of “objectivism”—see article entitled Ayn Rand (1905-1982) by Dr. John W. Robbins under Issues on right sidebar for an analysis of her religion.GATT & NAFTA are unconstitutional under Article 1, Section 8 of the U.S. Constitution.  Francis Schaeffer taught compassionate capitalism, which is what the Bible and Protestant Reformation taught—in other words, God owns everything and we are just God’s stewards given dominion over the earth (which includes private property, using our natural resources such as oil in a responsible manner and so on) and are commanded to conduct our business affairs honestly, pay wage earners an honest wage, work hard, be thrifty, do not hoard money, do not charge usury interest rates (credit cards), helping the poor, and have a concern for the welfare of the country and people.  The Bible teaches against Communism, Socialism and Guerrilla Capitalism.  A quote from Malachi 3:5, NKJV:

"And I will come near you for judgment;
I will be a swift witness  
Against sorcerers,
Against adulterers,   
Against perjures,     
Against those who exploit wage earners and widows and the
Fatherless, And against those who turn away an alien—
Because they do not fear Me,"
Says the Lord of hosts.

Free Trade Doesn’t Work by Ian Fletcher
Articles by Ian Fletcher, educated at Columbia University and University of Chicago
American Economic Alert—fighting for American Companies

Should Americans Buy American Products?

Yes, Americans should try to buy American products, especially automobiles.  Buying American made cars helps American investors, stockholders, owners, and stakeholders.  This cannot be said about foreign-made cars owned from foreign-owned companies.  The American cars have a higher domestic part content then foreign cars and profits from American companies are repatriated to America, which taxes on those profits are paid into the U.S. Treasury.  Buying a GM, Ford or Chrysler supports 2 to 3 times more jobs than buying a foreign made automobile (see ).  Also, a three-year-old vehicles study conducted by J.D. Power Associates 2005 Vehicle Dependability Study  ranked GM and Ford in first in most areas.  Chevy Impala beat Toyota Camry in initial quality and Buick LeSabre was awarded the best premium mid-size card.  Ford Thunderbird was ranked the most dependable entry luxury car.  Consumer Guide Automotive had the courage to report these facts.

Demand from Congress Energy Independence and Allow Companies to Drill for American Oil Now—click for article and bumper stickers.

What were our Conservative and Capitalist past President’s positions on so-called Free Trade and Tariffs?

President Calvin Coolidge (30th President of the United States)

Republican President Calvin Coolidge (30th President of the United States--August 8, 1923 to March 4, 1929). President Coolidge was a small government conservative who supported the middle class (cut personal income taxes from 69% to 25%), small businesses and doubled tariffs and by 1929 the United States produced 42% of the world's manufactured goods. Yes, his policies benefited the middle class and poor, not the greedy bankers.

Excerpt from article entitled Trans-Pacific Partnership--Free Trade Madness (02/03/14), ...Former presidential candidate Pat Buchanan, a self-described protectionist, often points out: “From 1870 to 1913, the U.S. economy grew more than 4 percent a year. Industrial production grew at 5 percent. The Protectionist Era was among the most productive in history. When it began, America was dependent on imports for 8 percent of its GNP. When it ended, America’s dependency had fallen to 4 percent. The nation began the era with an economy half the size of Britain’s and ended it with an economy more than twice as large as Britain’s.”

In 1896, the GOP platform stated, “We renew and emphasize our allegiance to the policy of protection, as the bulwark of American industrial independence, and the foundation of American development and prosperity.” Even the 1972 GOP platform rallied against outsourcing (a key component of free trade), saying, “We deplore the practice of locating plants in foreign countries solely to take advantage of low wage rates in order to produce goods primarily for sale in the United States.”

Right now, President Obama is trying to get fast track authority so he can negotiate the TPP free trade deal and have Congress vote on it with limited debate, no amendments, and a mere up or down vote. He should be denied fast track authority, as all presidents should...

A list of facts on NAFTA and past President’s positions on so-called “free trade”:

  • 2007 the U.S. trade deficit soared 16 percent to $73 billion.
  • The U.S. trade deficit with China shot up 10 percent to $256 billion.
  • In manufactures, according to Charles MacMillion of MBG Services, United States had a trade deficit of $499 billion in 2007—a little lower than 2006.
  • The trade deficit in manufactured goods is twice as large as our $224 billion bill for OPEC’s oil.
  • Three (3) million manufacturing jobs have vanished in the last eight (8) years.
  • The U.S. has a $67 billion trade deficit in advanced technology goods with China—this is eight times what it is with Japan.
  • From 1860 to 1913, the United States was the most protectionist nation on earth—the U.S. experienced the most growth in history in that period (by 1913 the U.S. economy was twice Britain’s).
  • President Warren Gamaliel Harding (a Republican who served from 1921 to 1923). He believed in tarriffs and helping the middle class.
  • President John Calvin Coolidge (a Republican who served from 1923 to 1929 and was a small-government conservative and big supporter of the middle class). He won the election in the 1920’s and cut income taxes from President Thomas Woodrow Wilson’s (a Republican who served from 1913 to 1921) 69 percent to 25 percent and doubled tariffs and by 1929 the U.S. was producing 42 percent of the world’s manufactured goods.
  • President James Madison, Jr. (founding father & served from 1809 to 1817) and Alexander Hamilton (01/11/1775 to 07/12/1804—1st U.S. Secretary of the Treasury) were protectionists—they moved the Tariff Act of 1789 through Congress. 
  • President James Madison, Jr. aided by President Thomas Jefferson (served from 1801 to 1809), President John Adams Jr. (served from 1797 to 1801), Henry Clay, and John Calhoun enacted the Tariff of 1816 to protect the U.S. infant industries from British dumping.
  • During the Civil War, President Abraham Lincoln (1st Republican President) used the Morrill Tariff revenue to help fight the Civil War.
  • 11 GOP presidents--between the years 1865 to 1929--were all protectionists1.

The United States prospered under a Republican tariff wall.  Under the return of globalism, it has brought this country stagnant wages, loss of sovereignty, destruction of our manufacturing base, wives forced into the labor market, foreign debt, etc. Globalism is not conservatism, but a return to Wilsonian liberalism!   Yes, President Ronald Reagan (Republican—served from 1981 to 1989) put a tariff on the Japanese motorcycle companies to protect Harley Davidson and it took less then five (5) years for the company to turn around and they are now a prosperous company.

1Patrick Buchanan. “Senator McCain: A historical Nonsense” Whistleblower, Vol. 17, No. 6 (June 2008): 28-29

What about China as Investment Savior for U.S. and the World?

chinese flagYuan

Most journalists, politicians and the American people are oblivious to the fact that in China's state-monopoly system of Leninist "capitalism," their corporations are instruments of national policy. China's corporations are integrated and subservient to the Communist Party of China (CPC) and the Peoples Liberation Army (PLA). They have a military plan for global domination. Part of that their global strategy is economic warfare. (In all fairness to China, the Western nations including the United States are also guilty of the same thing. The CIA through NGO's tried to overthrow President Putin of Russia--very shameful conduct for the United States. The United States seems to be taking anti-Biblical positions and is not doing what is right and will bring judgment on themselves by the Supreme Ruler of the Universe.)

China National Petroleum Corporation (CNPC), Sinopech, and Sinomach (was created with the approval from China's State Council, which is the supreme administrative arme of the Politburo of the Communist Party of China (CPC), has been instrumental in the ongoing genocide of Dafur by the regime of Sudan's Omar al-Bashir. 300,000 people have been slaughtered and their are more than 2.5 million refugees. China supplies Sudan (al-Bashir regime) with several thousand PLA troops, weapons for its troops and its Janjaweed militias that slaughter innocent victims (many Christians) in addition to their expertise for their oil fields. Sinomach has put in a bid to win a contract for the construction of a $2 billion dollar fertilizer plant for Southeast Idaho Energy and are bidding on many other projects in the U.S.

A U.S.-China Governors Forum was held in Salt Lake City, Utah on July 14, 2011 where business deals worth billions with their communists counterparts were signed. The communications office of the National Governors Association (NGA) instructions to the American & Chinese Friendship Promotion Society not to give certain U.S. reporters-- who believed in the Constitution--press badges, but gave the Chinese "journalists" [who obeyed the Central Propaganda Department of the Communist Party of China (CPC)] press badges. Lets congratulate some of the idiot governors in this country.

(It should be noted that the Chinese Civil Defense has been building nuclear shelters to house thousands of people whereas the Civil Defense in the United States has been doing nothing--the U.S. at one time did have a great Civil-Defense; see Can One Survive a Nuclear Attack < > and Oregon Institute of Science and Medicine--Nuclear War Survival Skills < >.)

(See The New American Magazine, May 23, 2011 edition, pages 10-17, entitled China:The New Investment Savior? and the August 22, 2011 edition, pages 31--35 , entitled Here Comes China's Journalism for more details <>)


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