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Reduce Cost-of-living In This Inflationary Climate

James 1:5-6

If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you. But when you ask, you must believe and not doubt, because the one who doubts is like a wave of the sea, blown and tossed by the wind.

The whole world is facing inflation and high energy prices.  Believers in the lower income group need to seek the Lord’s wisdom to mitigate the cost of living.  Through early effort to preempt inflationary ills, one can stay calm and less stressful. Otherwise stress may affect one’s health which will be another expense not to incur.

Here are some common sense tips that will help to manage the mortgage, utility, grocery and other bills.

  1. Mortgage Payment.  With the US Federal Reserve likely to increase the interest rates to somewhere between 3 to 4% soon, the central banks of all nations will likely hike the same or more.  It is wise to seek fixed re-financing if one is unable to absorb such increases in his or her monthly expense budget.  With the housing prices still high now, downgrading to a smaller and less costly apartment is another alternative.
  2. Utility Bill.  One should study all the electricity plans offered by the various energy providers right away and decide on a fixed plan so that he or she will not be shocked with hefty increase in the near future. Choose the quasi-governmental provider if possible. The Europeans woke up one day to find the price of gas went up by a few times.
  3. Grocery Bill.  One should re-evaluate his or her diet and settle for a nutritious and economic diet replacing expensive fruits and vegetables with those of cheaper and similar nutritional value.  Sometimes eating out at the economy rice food-stall may be more economical than cooking because of the economy of scale. (Exercise more to keep fit. Exercise is also a good way of relieving stress.)
  4. Discretionary Expenses. Stop all non-essential expenses to build up an emergency savings fund.
  5. Transport. If possible, switch from private transport to public transport. That will relieve all kinds of unexpected car related hefty expenses.

The Coming Economic Flood (Update V)

After the Fed Reserve hiked the interest rates to 3 to 3.25% on 22 Sep 2022,  the following events happened very quickly :

  1. Bond bloodbath.  We nearly saw a Lehman-like crisis in the UK.  The UK pension funds were selling gilts frantically due to margin call on their leveraged bets.  And the Bank of England had to reverse course of tightening and did quantitative easing to calm the markets while having the worst inflation in recent history. With the easy money policy that lasted for so long, we would assume that the cumulative lucrative leveraged bets over the years have grown to gargantuan proportions.
  2. Currency rout.  The Bank of Japan had to sell treasuries to prop up the yen.  The British pound was pounded negative 7.4% in 2 days. They are behind the US curve in hiking interest rates.
  3. Energy crisis.  The Russian gas pipe lines Nord Stream 1 and 2 were sabotaged. Many EU economies are dependent on Russian gas. UK is already expecting utility rates to double or triple causing much economic hardship to the lower income groups.
  4. Housing price deceleration.  This is expected as the US average mortgage rate has hit above 7%.
  5. Bear global stock markets.  All major stock markets are in bear territory.  The US stock markets had probably lost USD 8 trillion dollars or more in the slow train wreck in one year.  Likewise for the rest of the western capitalism states.  All previous market routs paled in comparison.   

All economies are caught between the rock of increasing interest rates to fight inflation and the hard place of quantitative tightening in a period entering technical recession or rapidly slowing growth.

You can see the colossal losses in the stock markets just in the US. (See the charts and links below.) Due to media censorship, much hardship faced by the rest of the world is not reported.

https://www.bloomberg.com/news/articles/2022-10-01/raging-markets-selloff-in-five-charts-36-trillion-and-counting

https://www.cnbc.com/2022/09/27/stock-market-losses-wipe-out-9-trillion-from-americans-wealth-.html

The current crisis indeed followed the 7 year apocalypse since Sep 2001, Sep 2008 and Sep 2015 in term of severity of adverse market conditions.  But will the whole financial system collapse soon ?  Our Lord is sovereign and He alone decides when He will destroy all wealth in one hour.  Rev 18:17-19.  All glory and honor to our Lord.

Postscript I:

I noticed the sudden intensity of famine, earthquakes and other natural disasters. The Horn of Africa faces the worst drought in history and requires grain relief or will face terrible famine. There were several earthquakes measuring Richter scale 7 happening within 2 weeks in various places around the world. The Hurricane Ian caused the worst economic damage to the state of Florida estimated at USD 260 billion. The Florida governor said it was the worst 500 year flooding event.

Postscript II:

Though the DOW might fall to the lowest in Sep 2022 since the start of the pandemic, we could see the blatant manipulation of the Babylonian system. You can read of how the Biden administration overstated the job growth figure by a full million when the actual growth was just 10,500 jobs. But such information would be enough to cause big swing in the markets when investors cheered believing the economy was doing real fine. (https://nypost.com/2022/12/22/biden-administration-overstated-q2-job-growth-by-1-million-philadelphia-fed/ ). Nevertheless the Lord is sovereign and He alone decides when He will judge this Babylonian system and destroy all its wealth. (https://www.zerohedge.com/markets/philadelphia-fed-admits-us-payrolls-overstated-least-800000)

Postscript (1st March 2024):  

When I prayed the last time in 2016 to know the time for the global collapse, I was given the parable of the wicked tenants.  This parable appeared in 3 passages :  Matt 21:33-46;  Mark 12:1-12; Luke 20:9-19. I only read Luke 20:9-19 then and I mis-read that there would be only 3 attempts to recover the rent by the vineyard owner before he came to destroy these tenants.  It was actually 4.   The other 2 passages have more attempts than 4.  The major stock markets have crashed four times in Sep 2001, Sep 2008, Sep 2015 and Sep 2022 (not counting Feb 2020 at the start of the pandemic).   When will the final one come ?

The Coming Economic Flood (Update IV)

The Lord had given me two visions concerning the 911 attack and the Sep 2008 financial crisis prior to these events.  And I was further instructed to write a book on these visions and the coming economic flood based on Rev 18 prophecy.  It was miraculously rushed and published in Nov 2014. The given conviction and the miraculous provision by the Lord then caused me to believe another economic crisis would happen in Sep 2015 as detailed in my book.

From the chart below, you will notice that three times the global liquidity had gone negative were in Sep 2001, Sep 2008 and Sep 2015.     It was not obvious then that the global liquidity was worse in 2015 than in 2008 as shown in the chart below, because it was not felt much even though the global stock markets crashed terribly in Sep 2015.

Right now in Sep 2022,  the global liquidity has gone negative again and will it extrapolate as shown in the chart ?   We will know by the end of this month or early next month. (Notice the incredible 7 year apocalypse event from Sep 2001 to Sep 2022.)

All thanks and glory to our Lord for vindicating my claim again that He alone has given me these incredible visions and insights.  They have all come to pass against extremely slim odds. 

Memorial Service Ministry

I am always ready to serve the Body of Christ in whatever capacity I am called for that is the manifesto of our Lord Jesus. Though I felt honored to be invited to share a message of Christian hope in a memorial service for the first time in Aug 2019, I felt heavy hearted as well. It was not a joyous occasion especially when the loved ones could not have any closure to their loss. I would surely pray that my message could give comfort and hope to the loved ones of the departed brother that the separation is temporary.

I gave thanks to the Lord for the opportunity to have fellowship with the then new director of Salvation Army and a few brothers and sisters.

Fellowship with the then new director of Salvation Army and Pastor Ferdie

Testimony (26)

I was sharing the message on the coming economic flood based on my book in a fellowship worship service a few weeks ago when I suddenly remembered and mentioned that the editing of the book by the US publisher was stringent.  Written approval from  all sources of information mentioned in the book were required to prevent falsehood and plagiarism.  I would have to travel to Indonesia, Philippines and China to get the approval from a few pastors.  If I had to send the written request by post,  the launch of the book would be delayed.   I prayed that there could be a waiver from the publisher, but to my surprise,  the Lord granted my prayer by having all the pastors from these countries coming down to Singapore in the same week ! One was sponsored to attend some sort of anniversary of a local church. The others came on personal matters. Unbelievable considering the odds. Hallelujah !

After I got their signatories on my own draft forms,  the publisher sent me their forms.  I prayed again that my own forms would suffice.  By the grace of God, my plea was granted again.  Hallelujah !  All thanks and glory to our Lord.

The Coming Persecution

Matt 24:8-12

But all this is only the first of the birth pains, with more to come. “Then you will be arrested, persecuted, and killed. You will be hated all over the world because you are my followers.And many will turn away from me and betray and hate each other. And many false prophets will appear and will deceive many people. Sin will be rampant everywhere, and the love of many will grow cold.

After the birth pains have started with more to come, the second sign of the end of age will start with persecution of the church.  The birth pains and persecution will both grow in intensity just like birth pains before the baby is born. 

In Rev 2 and 3, only 2 churches – Smyrna and Philadelphia churches – remain faithful in the end times while the other 5 will likely compromise and apostatize to avoid the persecution by the state. These 5 churches, with the exception of Ephesus church, will be so deceived by the numerous false prophets in their midst. Though the Ephesus church tries to remain doctrinally correct and continue in good works, they have lost their first love – they will compromise on accepting homosexuality and other state mandates and sever their hand of fellowship with those who do not compromise.  We are beginning to see such action now.

The Smyrna churches are outside the Babylonian or western capitalism states anyway in the Moslem and socialist states and are used to suffering.  The Philadelphia churches are the smaller fellowship churches (without power and thus less conspicuous) that will come out of the compromised institutional churches in the Babylonian states probably due to betrayal and hatred for their fortitude on obeying God’s laws, or distress caused by rampant false teaching and blasphemous practices.

Though the Lord’s exhortation to come out of Babylon (with her luxurious living and very sinful excesses removing God’s universal laws on gender, marriage and sanctity of life) may cause the Smyrna and Philadelphia churches to suffer economically, but they will remain faithful and endure till the end. Their souls will be so tormented by the rampant sin they see around them and the terrible coldness of love of many.

Fellowship Conference In Malaysia

Had an informal conference with the brothers and sisters of the End Times Preparation Works Ministry, Malaysia over dinner in Petaling Jaya, Malaysia.  I shared about the coming economic flood to corroborate their long held belief of the coming economic hardship which prompted them to establish this ministry in the first place. 

Over the next few days, we visited the land in which some brothers owned and are in the process of converting them into farms. We visited also a goat farm run by a brother whose former profession was in accountancy.

Because they have already worked on the land and have established farming enterprises, they are more than ready to help us should the need arises.  We can easily relocate there for these places of refuge are just a few hours’ drive from our place.  All thanks to the Lord for this divine appointment. 

The residence Dr Sun Yat Sen stayed while in Taiping

It Is Good To Give Thanks To The Lord

I have been meditating on Psalms 92:1-3 for the past week and I was thrilled to know of what the Lord has done for me.  I decided to sing out these verses in my Sunday worship devotion.

It is good to give thanks to the loving Lord

To sing praises to the Most High

It is good to proclaim Your unfailing love

And Your faithfulness forever and ever.

You thrill me, O Lord with all You have done

I sing for joy because of what You have done

It is good to give thanks to You Lord.

Private Revelation And Scripture Revelation


We must not confuse private revelation with Scripture revelation. The former concerns only MORALLY NEUTRAL events in one’s life and does not involve authority for universal faith; while the latter concerns truth necessary for universal faith and all such truth revelation is complete in scripture. Nobody can say that he or she receives new truth revelation such as the radical grace teaching of the hyper grace false gospel.

How could I explain that an inner prompting telling me to stop suddenly in the middle of the road and I avoided collision; or to be told not to go into a particular city and avoided being persecuted when nothing was amiss all along ? How could I explain the odds of being shown the vision of 911 terror attack 3 days before which I shared with all colleagues, and it happened exactly what I saw, and the continual odds of the same message for 2008 and 2015 ? I encountered so many such testimonies and I comprehend the significance of all such odds cumulatively for I was trained as an engineer. Such revelation do not nullify, subtract or add to the immutable truth of scripture. Our daily relationship with our Lord should be dynamic. It is our moral decisions that should be directed by His commands in His Word which is immutable.

In Acts 11:27-30, the prophet Agabus shared of an impending global famine which later happened. And the church in Antioch brought relief to the church in Jerusalem through Paul and Barnabas. Such private revelation was God’s mercy for the church to tide over the impending famine at that time. Why did God choose to reveal such private revelation to Agabus only and not the elders and apostles in the Jerusalem ? It is God’s sovereign will to choose to whoever He would like to reveal such an impending event which was morally neutral. We should not box the Lord into what He could or could not do. Such private revelation would not undermine the authority of the Scripture, would it ? Such private revelation would not agree or disagree with Scripture because of the fact that the famine was a morally neutral event and not about Scripture truth.

The Scripture makes it clear that we should not despise such prophecy but to test it. One way as proposed by Dr John MacArthur is to use the law of probability to test. The slimmer the odds the better it is. If I am to predict an earthquake happening in Japan, the chance of getting it right is more than half ! Such a warning with such high probability serve no purpose for the church because such earthquakes are frequent and the Japanese people already know the drills. But if the probability of the prophecy is so terribly slim and its purpose is to warn the church to avert economic hardship such as famine, I see no reason why the Lord cannot warn His people to prepare.

JI Packer explained it well in his book, The JI Packer Classic Collections, ( https://www.jcmanifesto.org/?s=guidance+tested) and also John Stott did not discount such possibility calling such private revelation as prophecy in the lesser or secondary sense unlike the Scripture Revelation which is prophecy in the primary sense. Of course there can be abuse by false teachers to mesmerize their followers which is quite rampant today. So we need to pray for wisdom to test and discern such kind of prophecy in the lesser sense. Take the prediction of a global famine or a global economic collapse. If we prepare and it does not happen, we are none the poorer. But if we do not prepare and it does happen, how badly will we be affected ? Does the person making such prophecy in the lesser sense has an ulterior motive of gain or fame ? Is the prophecy very vague or very precise when tested by the law of probability ? Does such a prophecy, out of the grace and mercy of our Lord, help the church, universal or local, to prepare to avert such disaster ?


New Insights Into The Judgment Of Babylon

Rev 18 details God’s judgment on commercial Babylon.  She will be burned with fire and all her wealth will be laid waste. Plagues of mourning, famine and death will follow.

Rev 18:9

When the kings of the earth who committed adultery with her and shared her luxury see the smoke of her burning, they will weep and mourn over her.

Not all the kings of the earth commit adultery with Babylon and share her LUXURY.  Only those who do so will weep when Babylon burns for they have lived in luxury with her. We can clearly see which are the present western capitalism states that are taking the bidding from Babylon today.  I call them the Babylonian Alliance.

Rev 18:11-13

The merchants of the earth will weep and mourn over her because no one buys their cargoes anymore-cargoes of gold, silver, precious stones and pearls; fine linen, purple, silk and scarlet cloth; every sort of citron wood, and articles of every kind made of ivory, costly wood, bronze, iron and marble; cargoes of cinnamon and spice, of incense, myrrh and frankincense, of wine and olive oil, of fine flour and wheat; cattle and sheep; horses and carriages; and human beings sold as slaves.

I read an interesting article in the web that summarized the above products into 7 categories of LUXURIES in the ancient world.

  1. Precious metals and gems.
  2. Clothing.
  3. Furnishing.
  4. Spice.
  5. Food.
  6. Animals and implements.
  7. People.

(In modern times, the above categories are still considered luxuries, even people.  We see the buying and selling of football players in the soccer leagues around the world for an example.)

The next group to weep when Babylon burns are the merchants who are selling all the above-mentioned categories of luxuries and have grown rich from the power of her luxurious living.  Rev 18:3.

Rev 18:17-19

Every sea captain, and all who travel by ship, the sailors, and all who earn their living from the sea, will stand far off. 1When they see the smoke of her burning, they will exclaim, ‘Was there ever a city like this great city?’ They will throw dust on their heads, and with weeping and mourning cry out…

The final group to weep are the major seaports cum financial centres supporting the globalized trade orchestrated by Babylon and have also grown rich by her wealth.

Rev 18:7

Give her as much torment and grief as the glory and luxury she gave herself. In her heart she boasts, ‘I sit enthroned as queen. I am not a widow; I will never mourn.

This Babylonian Alliance, comprising all the western capitalism states, has been flaunting their wealth and luxurious living for far too long at the expense of the relative poorer nations in the rest of the world . It is an affront to the Lord and He has declared judgment on all these wealth for the sake of the saints and the labourers and harvesters who have been exploited and defrauded by being in the lowest rung of the supply chain.  James 5:1-5.

It is a judgment on wealth and luxurious living and it is not mentioned in the seal, trumpet or bowl judgments during the Great Tribulation.  Each of these judgments is an unprecedented disaster such as great earthquake (Rev 6:12-14), great warfare (Rev 6:5-6), hail and fire (Rev 8:7), plague of demonic locusts (Rev 9:1-11) and the killing of a third of humanity (Rev 9:12-21). The bowl judgments are even much worse in destruction. All such disasters will disrupt the global economy terribly during the Great Tribulation anyway. As such, I believe the Rev 18 judgment will happen before the Great Tribulation and set the stage for the emergence of the Antichrist to be seen as the savior of the world in resolving this global financial crisis.  In Rev 17, we read as well that the beast and the ten kings will arise to destroy the religious system of Babylon. Rev 17:16.

Postscript : It is wonderful to know that Dr Steven Collins in the US also shared the same insight that the Rev 18 judgment has to happen before the Lord returns. (https://stevenmcollins.com/articles/babylon-the-great-falling/)