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Dear Friends,

Many Americans are distraught by the chronic and graphic displays of violence against police officers by an empowered conflagration of activists that have utilized their hatred of America by promulgating Socialism, Marxism and Communism as the ideological basis to resolve all disputes. Their mass efforts in destruction of everything in their path has gained the attention of law abiding discerning and faith based Americans. While police officers have become the troubling focus of their incongruous hatred, it has become apparent anyone that believes in the sanctity of liberty and freedom that is represented by the democratic principles espoused in the Constitution, is considered either a racist or subject to be persecuted. The various uprisings in major cities have destroyed establishments that provide the income for a family's welfare and the prolonged killings of children during this madness has obliterated the Judeo-Christian values that Americans entrust their lives to uphold. 

The General Election in a few days will determine the destiny of a nation that has been overwhelmed by hatred, division and evil within its communities. The disturbing moral and disturbing attempts to literally destroy the concepts of freedom enshrined in the Constitution, has tormented law abiding and discerning Americans. The circumvention of free speech and the free press by its censorship of the truth through the media and social websites is prevalent in our society today. This toxic intervention in our basic rights as Americans, has become the fight that will determine the future of its citizens.

The scandal that has been reported by true and professional journalists in the past week regarding influence peddling by the Democratic nominee, will endanger America towards destruction if this man is fraudulently elected. 

The 'wake up call' is here and now. I will continue to pray that America can acquire the wisdom and the fortitude to make the right decision -  to preserve this nation for families its children and future generations. America needs to pray unceasingly with a genuine and sincere humility known for its effectiveness, as noted in Scripture (Romans 12:12) "Rejoice in hope, be patient in tribulation, be constant in prayer."

Thanks again for your continuous support - through these challenging times in America.

Dear Friends,

It's scary. At least half of American adults in this country are afraid of the General Election results if the Chief Executive loses the Presidency. Intelligent, rational and pragmatic citizens are contemplating their futures if the Democratic Party wins the White House along with the Senate and the House of Representatives. The change in the governance of this nation will be dramatic, as the American form of government since its inception by the Founding Fathers will no longer exist. This drastic change will force many of its citizens towards civil disobedience or Civil War.

The divisions in this country are truly profound, as Socialism, Marxism and Communism have permeated its population with an ideology that has never functioned in human history. As a staunch Anti-Communist, I deeply understand the tyranny that will ensue if oppression becomes the method to control the lives of its citizens. As a refugee of Communist Cuba so many years ago, the evil endures while the entire population of this embattled island continues to greatly suffer from the elimination of liberty and freedom.

It is my understanding in reviewing the various reports from sources that have proven its integrity and veracity, the Democratic nominee has been involved in a scandal that has momentous consequences, as he has been compromised by foreign governments. The 'pay to play' corruption scheme to enrich one's finances by associations or representing interests that are detrimental to the American people, has been disclosed. The shocking details have been suppressed by the main street media - in collective attempts to impose their bias on a candidate not worthy to represent this nation under any logical circumstance. The censorship of this information has created a firestorm by anyone that respects and holds the rights as determined in the Constitution to be sacrosanct.

On a personal level, my love for America is considered a travesty amongst a liberal cabal known for its hatred of this country. Must I be under a death warrant if I have the capacity to tell the truth or have a contrasting opinion? After numerous hacks that I have endured this year, any discerning individual would come to the sad conclusion the American character has declined towards damnation. 

On Tuesday, November 3rd is the day this nation will ask if The Death of America has occurred. For many of us, our prayers will be heard by an Almighty God that has blessed this country through the formulation of this nation, through the Provident involvement of the Founding Fathers in 1776. Many of my peers known for their honesty and integrity, are praying for the Resurrection of this great nation. I will be one of them.

Thanks again for your continuous support - during these challenging times in America.

Dear Friends,

I've been working in the mortgage industry since 1982. I have originated thousands of loan applications during this time. If every loan application that I originated funded, I would be a multi-multi-millionaire today! This would be true if the questions and the documentation requested from loan applicants were truthful, and there were no inclinations the borrower's responses were false and/or the documentation provided to qualify for the financing was fraudulent in nature. With that said, I can recall numerous attempts many years ago of borrowers and even a loan agent submit unproven figures of one's income, bank deposits in either a savings or checking account and balances in a 401K or stock statements. I was also amazed by the ability to fabricate tax returns and pay check stubs that were professionally assembled for a borrower to qualify for a loan, that would never be approved as the documentation was discovered to be dishonest. I could spend an entire week in discussing the attempts made to embellish one's financial standing in hopes of a loan approval by an Underwriter, but I digress.

The General Election that will take place on Tuesday, November 3rd will be the most important Election in our lives. Liberty, freedom and the rights we've become accustomed to will be in jeopardy, if a leftist cabal is successful in efforts to destroy the lives of discerning law abiding Americans. 

The deep and overwhelming concern Americans have at this stage, just days before the Election is processing the truth. When censorship by social media entities occur in favor of protecting a presidential candidate from allegations of corruption of a 'pay to play' scheme that are documented by retrieved emails, the civil rights of all Americans have been impaired. The 'corruption' that was disclosed and the manner in which the alleged actions were designed for monetary gain with the willing participation of foreign governments and specific entities, has created a decline of a candidacy that lacks the moral turpitude to advance the interests of the American people. 

You will find this breaking story on conservative and impartial websites, talk radio and other media locations that have a profound respect for the First Amendment - in which 'free speech' and a 'free press' are still regarded as profound rights worthy of respect in this country. 

In the mortgage industry, when an Underwriter reviews a borrower's loan file to ascertain its credibility by the documentation provided for review by a processor, the lender can intelligently decide if the loan can either be approved or denied. The documentation provided is checked and double checked for any irregularities or questions in regards to its veracity. Once this is known, the Underwriter will have the capacity to approve a loan transaction with conditions that have to be met before the funding of the loan. 

In essence, the American people have become Underwriters. There are 2 candidates that will have the power to change our lives. Due to the massive importance of our decision, all aspects of what has transpired in the past, what is happening in the present and how we can logically understand the future by the candidate and the Congress we choose - will affect our lives for many years to come. Any sane, discerning and intelligent American citizen must contemplate their future and their children's future by the events that have transpired. When giant social media entities have the power of censorship by their allegiance towards a political ideology or party that destroys our sacred civil rights under the Constitution - the choice is trouble-free.

In a previous post that was published on October 5th, entitled PROVIDENCE PREVAILS, it is mentioned in Scripture (Luke 12-2) "There is nothing concealed that will not be disclosed, or hidden that will not be made known." This advice is 'divinely' true, as recent revelations of scandalous emails and graphic photographs have been exposed

As a former bank Underwriter and 'Divine Underwriters' on our Team, the facts in question will reconfirm our decision to save America from destruction by powerful forces that lack integrity and universal ethics of conduct. The file on this candidate and those with leftist predilections of governance - has been denied!

Thanks again for your continuous support - during these challenging times in America.

Dear Friends,

The General Election on Tuesday, November 3rd, will decide if Americans will continues to live in a Democratic Republic. The ultimate respect for the Constitution as the penultimate document that allows liberty and freedom to prosper, will be determined by the Election results. To Preserve, Protect and Defend the Constitution is the oath of responsibility of every American living under democratic principles. When Americans are tormented by a leftist cabal eager to transform a nation towards repression, the die has been cast as a harbinger of civil disobedience in the near future

The evil to destroy America's ability to govern without impediments, will be known if the White House, the Senate and the House of Representatives are given the power to control our lives. The following plans for destruction of freedom begins once the following events are enacted into law.

1. THE ELIMINATION OF THE ELECTORAL COLLEGE 

1A. TO CHANGE THE ELECTORAL SYSTEM TOWARDS A POPULAR VOTE METHOD 

1B. THE ACCEPTANCE OF VOTING BY MAIL WITHOUT ASCERTAINING ITS INTEGRITY

2. THE ELIMINATION OF THE SENATE FILIBUSTER

3.  ALLOWING UNLIMITED IMMIGRATION INTO THE US - NO BORDERS

4. THE RISE IN OVERALL TAXES

4A. THE ELEVATION OF THE GREEN NEW DEAL, AS THIS POLICY WILL HAMPER THE EFFORTS OF THE US TO MAINTAIN ITS ENERGY INDEPENDENCE 

4B. THE DESTRUCTION OF THE AMERICAN ECONOMY BY LEFTIST BUREAUCRATS IN CHRONIC 'LOCKDOWNS' OF BUSINESSES

4C. THE ' LOCKDOWNS' OF RELIGIOUS GATHERINGS OR INSTITUTIONS IN VAIN EFFORTS FOR CONTROL AS A CURTAILMENT OR ABOLITION OF RELIGIOUS FREEDOM

5. THE ACCEPTANCE OF ADDITIONAL SANCTUARY CITIES AND STATES

6. THE 'STACKING' OF THE SUPREME COURT WITH LEFTIST JUDGES

7. THE POLITICIZATION OF LAW ENFORCEMENT AGENCIES

8.  THE DEMISE OF ALL PROFESSIONAL SPORTS DUE TO POLITICIZATION

8A. THE DOWNTURN IN ALL ASPECTS OF THE ENTERTAINMENT INDUSTRY TO MONOPOLIZE THE CULTURE

9. THE CONTINUANCE OF 2 LEVELS OF JUSTICE FOR THE WEALTHY AND/OR FOLLOWERS OF LEFTIST IDEOLOGY

9A. THE DEFUNDING OF POLICE THROUGHOUT THE COUNTRY

9B. THE ELIMINATION OF ICE - IMMIGRATION AND CUSTOMS ENFORCEMENT

10. THE DEMISE OF THE 1ST AMENDMENT IN REGARDS TO FREE SPEECH

11. THE DEMISE OF THE 2ND AMENDMENT IN REGARDS TO THE RIGHT TO BEAR ARMS

12. THE CORRUPTION OF THE US GOVERNMENT THROUGH THE INFILTRATION OF 'THE DEEP STATE'

13. THE REPUDIATION OF THE SUCCESSFUL FOREIGN POLICY MANIFESTED IN THE MIDDLE EAST

14. THE REPUDIATION OF SUCCESSFUL TRADE AGREEMENTS

15. FOREIGN POLICY ADJUSTMENTS TOWARD LEFTIST IDEOLOGY

15A. THE INFLUENCE OF CHINA AND RUSSIA IN ALL ASPECTS OF AMERICAN LIFE

15B. THE INDOCTRINATION OF LEFTIST IDEOLOGY IN EDUCATION - FROM ELEMENTARY THROUGH COLLEGE

16. THE PROLIFERATION IN POWER OF SOCIAL MEDIA

16A. THE DAMAGE OF ONE'S CHARACTER AND PERSONALITY AS A CONSEQUENCE OF SOCIAL MEDIA IN AMERICAN CULTURE

17. THE APPROVAL OF ALLOWING PUERTO RICO, WASHINGTON DC OR GUAM TO BECOME STATES IN ORDER FOR THE DEMOCRATIC PARTY TO HAVE A MAJORITY IN THE SENATE AND HOUSE OF REPRESENTATIVES FOR MANY YEARS TO COME

18. THE COMPLETE TRANSFORMATION OF GOVERNMENT, WHERE THE CONSTITUTION IS NO LONGER UTILIZED TO INFORM OR ENFORCE THE BILL OF RIGHTS

19. DISSOLVING THE FIRST AMENDMENT RIGHTS OF FREE SPEECH 

20. THE PROLIFERATION OF ABORTION IN OUR SOCIETY

21. THE ABANDONMENT OF JUDEO-CHRISTIAN VALUES THAT WILL ADVANCE THE SECULARIZATION OF SOCIETY

22. THE DAMAGE OF RACE RELATIONS TO FURTHER ADVANCE A SOCIETY OF HATRED TO FULFILL LEFTIST DEMANDS

23. THE LOSS OF INTEGRITY OF ALL MEDIA SOURCES - THIS IS PREVALENT CURRENTLY BUT WILL EXPAND IN THE FUTURE

23A. THE PURE TRUTH WILL BE DIFFICULT TO ASCERTAIN - NO ONE WILL KNOW WHO TO TRUST

These are the consequences - and additional concerns that I have not mentioned - that are planned once the Election results are known if the Democratic Party is victorious. As an American citizen, we have the fiduciary responsibility to Preserve, Protect and Defend the Constitution. This is why the upcoming Election is the most important event that will decide our destinies for many years to come. A good number of Americans like myself, are preparing for the worst, but will be overly cautious in our response if either the Republicans or Democrats are successful in their efforts. Who in their right mind would want to live under a government or a society under oppression such as this? America must preserve its democratic principles for future generations. As an Independent  'Swing Voter', I will continue to pray for an outcome that will lift this nation towards the preservation of justice through historical Independence - known as the Spirit of 1776!

Thanks again for your continuous support - during these challenging times in America.

Dear Friends,

Today, October 7th, marks MoneyTeam's 31st year of originating mortgage loans. Throughout our time in business, we have assisted thousands of clients in the Southern California area along with customers in other states and outside of the US. MoneyTeam has had its ups and downs due to the economic circumstances of the country at any given time, but we persevered.

While this is true, the events that have transpired this year are cause for alarm. The pandemic and the upcoming General Election has opened the floodgates towards hidden motives disclosed by ensuing events. This situation has created a maelstrom of anxiety for anyone involved in planning their financial futures to either sell, purchase or refinance one's property. Notwithstanding, the General Election will ultimately decide the form of government America will allow. If there is a transformation in which the Constitution is no longer viewed as the primary rule of law or rights, the consequences are inevitable.

Therefore, MoneyTeam will either continue to thrive or will eventually close its doors in Los Angeles, due to the government America decides to accept. Barring election fraud, the results will be observed as a continuing chapter in America's consequential history.

If you have read the numerous posts written throughout the years, you will recognize my genuine belief in the sanctity of the Constitution as the arbiter of law and order, religious liberty and overall human rights. The force of this document has contributed towards a divine understanding that living in America lifts the human condition by discerning followers of liberty around the world. 

Whatever happens on Tuesday, November 3rd, 2020 - a date which will determine the destinies of Americans that truly love this country. I just hope and pray that I will continue to assist previous and new clients, in years to come. 

Thanks again for your continuous support - during these challenging times in America.