Federal Reserve Board issues enforcement actions with Hometown Bancshares

The Federal Reserve Board on Tuesday announced the execution of the enforcement actions listed below: Consent prohibition of Nathaniel Frazier, former Branch
— Read on www.federalreserve.gov/newsevents/pressreleases/enforcement20180621a.htm

Birmingham, Alabama (Hometown Bankshares, incorporated in Missouri?)


I Cut Netflix!

<clutching my heart & gasping for air!>

Done this before and i didn’t do well!

i am addicted to movies!

Not TV!


This time i pledge to replace the movie desire, everytime it comes up with… with?


Something i neglect often,

my artistic self.

Pinterest will be my new Netflix! 🙂

(trading one addiction for another? YES! Like Methadone off of Heroin!)

The withdrawls are real!

Thank goodness i do not have a digital converter or any tv subscription service!

And there are other free ways for me to watch a movie or tv. Of which i will strive to limit to eating times & late…ok screw that!

For i know better than to attempt two changes at the same time!

Breathe! In Christ, Breathe Out!

(panic attack again (anxiety/stress)

For this meme keeps bothering me:

i’ve posted this quote before.

Just this meme/quote has me seeing how much i’m still striving to please others!

From housekeeping to…

Ok, just the housekeeping for now.

For i have also ran across this:

Being accused of procrastination really hurts.

Yet, it is not procrastination or rather, “What is behind the fear?”

It is all the things i wasn’t ‘allowed’ to do!

Clutter is frustration!

Hence stress, depression & anxiety!

I am still living with the restrictions of my childhood!

For i’ve been re-thinking housekeeping lately.

I’m like, ‘Why don’t i apply my innovation (that i have in business ideas (artistic ones too)) to housekeeping?’

Adding that these ideas may become profitable in themselves as a motivator.

For there is waaay too much anxiety, stress and depression around my financial situation!

i tell myself to hand it over to Yeshua and i find it so hard to do!

i hand over the momentary anxiety & stress of my finances to Yeshua, the Holy Spirit.

Yet, i’m on my hands and knees in pain!

This pain i find difficult to remove.

To let go of. To scoop up and hand over!

i don’t even want to touch it!

i can’t!

For i am too busy reacting to this festering, septic, gangrene wound spreading in my abdomen!

i stagger with these thoughts, while the Holy Spirit reminds me of another time i felt this way.

How long it took for it to go away, the stages of it.

This ‘poor mentality’, this life, this mindset, is akin to the wounds of sexual abuse.

At least for me.

Similar difficulty of letting go.

Letting go of the anger is step one.

By admitting i have it, concerning my income, has me reeling, at the depths of it, the implications.

The key is allowing onself to feel the rage, without judging it…the thoughts and feelings that go with it.

For i am also angry with myself.

I am facing all of my anger about this.

To not be afraid of acting in this anger?

Is a testimony to the inner workings of Christ, within me.

(told ya tantrum time would come in handy!) 😀

In/with Christ, Yeshua, i have a safe place.

A place where i can scream, rage and purge despair.

For these things kill me, make me sick, are the root to much of my dis-ease-s.

Rage and despair are the roots to many diseases.

Of humanity.

In Christ, i can release these things, i remind myself. He gently reminds me, touches me.

Makes me sane.

This is why it is vital that we get our relationship with Christ fixed first!

Abandon everything!

Sacrifice all things, for 5 min of …

Purging with Christ.

Or just Breathe In Yeshua, Breathe Out.

For parts of me have grown cold and still with all this talk…

Me taking my own advice (of Breathing in Christ) made me see that.

Fear so deep, one forgets to breathe, like bugs do, like rodents do…play dead, stop moving.

Or because the gangrene hurts my ribs.

All this visualization, helps me get my hands on this rage.

No longer just angry, rage. Insane with it, better than depression, despair.

i can safely experience this due to Yeshua, hallelujah!

There are other steps.

Yet i must remain here, with me touching my rage.

For i need to see how deep it goes, i need to know why i am in this much pain, where it’s coming from, the root of it.

To allow the Holy Spirit to show me, because i don’t want to.

i’m scared to.

Yet these are feelings i have acquired B.C.

i remind myself, He touches me gently again.

Communicating without words.

For they would hurt too much.

TY Yeshua, ty Yeshua.


Banks Switching to Chip Technology

Business Insider

The way incumbent banks verify the identities of their customers online is inconvenient and insecure, resulting in lowered customer satisfaction and loyalty, and security breaches leading to compensation payouts and legal costs.

It’s a lose-lose situation, as consumers become disgruntled and banks lose business. The problem stems from the very strict verification standards and high noncompliance fines that banks are subject to, which have led them to prioritize stringency over user experience in verification.

At the same time, this approach doesn’t gain banks much, since the verification methods they use to remain compliant can actually end up compromising customers’ personal data.

But banks can’t afford to prioritize stringent verification at the cost of user experience anymore. Onboarding and verification standards are increasingly being set by more tech-savvy players within and outside their industry, like fintechs and e-retailers.

Job 22:25 Entrepreneur Ministry

(in a month or two my ‘chipless’ card will expire.

Leaving me with no other option but to get a chip ‘renewal’.

My bank isn’t good when it comes to individual problems and due to transportation & bank locations (locally & statewide) i stay with the company despite its ugly attitude.

i’ve already asked if i have to get a chip card as a replacement and the answer is yes.

The chip cards are NOT safer! More convenient for the consumer & the criminals!

i never considered that the banks were/are being forced to upgrade!

To me, much like the multi-billion dollar tv networks, ‘updating’ into modern tech from wealthy dinosaurs means lack of investment in actually making the tech work!

This is why banks totally (well almost totally) online are more & more tempting.

Even looking at ‘financial institutions’ not known as ‘banks’ yet are getting closer to that opportunity everyday!

(ie: Franklin Mint, Mint, etc)

Business Insider may even be angling that way!

Imagine a corporation so big and intricate, it takes billions to run everyday.

Then imagine that company being hit with severe enough losses to make daily operations difficult.

Banks are big like that.

A drop in service, anywhere, means death to the entire business.

Mainly due to reputation.

For the larger your customer base, things like 1% could mean billions of dollars.

‘Houses’ NOT built on rock. (Matthew 7:26-27)

Meaning that there are ways to ‘lessen’ such vulnerability, yet it would require slimming down, not being ‘competitive’.

Hence another topic of conversation: Competition.

I want my business as i am in life.

There ain’t no competition but me.

Another reason why my business wouldn’t look good on paper.

Because competition DOESN’T motivate me.

So using that as a selling point?

Improvisation based on morality?

is NOT a ‘good’ business model!

Investors desiring ‘competitive’ returns, can kiss my behind!

i do not want that mentality anywhere near me!

Meaning anywhere near my business(es).

That dog-eat-dog mentality?

Dog meet Elohim, is the business ‘regiment’ i desire, the ‘culture’ i want.

i do not desire my ‘Christian Values’ explained away with, “This is business.”

That is bs!


It’s not over, when Christ is in it!

New policy, new conduct.

Deprogramming if you will.

Industry standard?

Yeshua’s standards!

Viable and profitable, financially as well!

This i am out to prove, in Yeshua’s holy name.

We will cross that ‘bridge’ when we come to it.

For i don’t even desire these ministries to ‘sound’ the same as everyone else.

Yet i struggle with ‘language’ common to understanding?

What ‘wording’ would help achieve this?

i find myself repulsed at that motivation!

Off track, it is.

(tis easy to do without policy)

The more i am involved in business, the more i see the need to ‘rewrite’ policy!

In other words, policy that addresses the ‘unspoken’ habits of ‘humanity’!


Do i desire people who need that?

No, yet i need to make that policy too.


This is why, one step at a time!

Clarification will come!

Will come once it’s built, not before.

For much isn’t seen until after its applied!

Tis why i am grateful the Lord ‘works things out’ for me ‘in process’.

In the actual doing of the thing, whatever it is.

In this case business policy the way the Holy Spirit wants it done!

How He wants it written!

Not my ‘interpretation’ of what He could want!

To know what He wants in every circumstance?

Writing business policy is the ‘bible’ of your business for everyone!

People inside and outside the ‘business’.

A great example is look at how the Bible is used today, how it is considered by those in and outside of Christ.

Weighty & overwhelming for me.

To even ‘consider’ the implications!

To see The Bible as ‘goals’!

instead of life & death.

This is what i’m afraid of.

People using my business bible (policy), like people ‘use’ the bible today!

For once written, it is treated as law!

This is why i leave the writing of ‘policy’ up to the Holy Spirit!

For conduct, long-after-i-pass-away, ‘policy’, manifesto, is what i speak of here.

Elohim given policy amongst a evil-eat-wicked world (they are demon dogs, hellhounds! Dog eat dog.)

i desire my business bible to be as effective as The Bible itself!

Both legally and subjectively!

In Yeshua’s holy name, amen!

(Whew! No pressure! Lol!) 😀

found this trying to understand what ‘incumbent banks onboard’ meant:

Tech giants are coming for incumbent banks


so true!

Tis why Netflix is beating TV networks!

Those more savvy in tech have a tremendous advantage over those already fat and lazy before the internet was invented!

Netflix is now an incumbent! Maintaining that today is difficult!

So easily changed!

(This is also why being too popular is problematic! Like Andy Mineo says,” Everybody wants to be on top, i don’t think (they) know what that means! Everyone gunnin’ for your spot.” (the song, Never Land– the way up is down! Exactly the point of this article!

Leave the ‘ways & mindset’ of this world behind!

The devoid’s motivations.

In Yeshua’s holy name, amen!)

2017 chart of the stock market looks ‘eerily similar’ to 87. Thirty Year Anniversary of Crash of 1987

via Sam Stovall: 2017 chart of the stock market looks ‘eerily similar’ to 87

Thursday marks the 30th anniversary of ‘Black Monday’ market crash from CNBC.

<Today is Thursday Job22:25>



A Penny Doubled Everyday

timemoney.jpgvia A Penny Doubled Everyday

A few years back I was having a conversation with some people on how whenever you decide to invest in something for the long term you should always think ahead on what would be the best choice in the long run while having persistence to follow through with it. The scenario was if you were given a choice to receive one million dollars in one month or a penny doubled every day for 30 days which one would you choose? When I first heard this, I knew that the penny doubled everyday must have been the better choice to go with as it was a little obvious to me that it had to be a trick question of some sort. But how much better would it be was not something that I knew immediately. So to demonstrate this, it was actually written out with all the calculations and it turned out to something like this:

Day 1: $.01
Day 2: $.02
Day 3: $.04
Day 4: $.08
Day 5: $.16
Day 6: $.32
Day 7: $.64
Day 8: $1.28
Day 9: $2.56
Day 10: $5.12
Day 11: $10.24
Day 12: $20.48
Day 13: $40.96
Day 14: $81.92
Day 15: $163.84
Day 16: $327.68
Day 17: $655.36
Day 18: $1,310.72
Day 19: $2,621.44
Day 20: $5,242.88
Day 21: $10,485.76
Day 22: $20,971.52
Day 23: $41,943.04
Day 24: $83,886.08
Day 25: $167,772.16
Day 26: $335,544.32
Day 27: $671,088.64
Day 28: $1,342,177.28
Day 29: $2,684,354.56
Day 30: $5,368,709.12

Quite a big difference once you look at it as you would be getting over 5 million dollars with the penny doubled everyday for 30 days route. The funny thing when I look at this is how it is almost like starting a business and trying to make a profit. In the beginning you struggle a lot to get things going and afterwards once it reaches to a point it just takes off smoothly. How does that analogy go again? It is something like starting a business is like a rocket ship taking off into space. You spend 80% of your fuel during take off and once it reaches a certain point it flies smoothly with minimal consumption.