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August 22, 2015
What can we say to these things? The Word brings such a joy and deliverance to the people, and is made so plain, that even the little children can grasp it.
God is pleased in the praise and worship of His people here, who are inspired by the preaching of the Word, and we can see a mighty marching army forming in this part of the world.
Spiritual food in due season changes everything.
Brother Pavel, as the shepherd of the flock here in Vilnius, speaks before and after every service, which I couldn’t capture because it was in Russian. But seeing the glow on his face, the excitement in his voice, and the response of the people in praise and worship… says it all.
The following is not a transcript of the service, but I am trying to capture the essence of it, and sometimes it’s hard to leave things out, because everything is so important and links to the next thought.
We are looking away to Jesus. He appeared in these last days, the Great Headship. I believe we are invisible united together, the Intelligence comes down in the body. The Bride is the final voice in this final age. Did He not say ‘At that day ye shall know that I am in my Father, and ye in me, and I in you.’ You are born to be a super race, a super church. What did He say the super sign was? God in man, being united; Christ and His bride. Is not this the promise to be a super race, a super church? That’s what we are confessing. We are Abraham’s Royal Seed.
‘May we be glad and rejoice, this is the day that the Lord hath made.’ ‘He hath made me glad.’ ‘The Marriage of the Lamb is come,’ ‘His bride has made herself ready.’ He gives us a message of preparation. Elieser came with the gifts, power, camels, didn’t he come with the raiment? ‘I will go with this man.’ ‘Let the damsel speak for herself.’ She said, ‘I will go with this man.’ And when they came to Canaan and were getting close to the home of the bridegroom, she looked in the field and saw a man. ‘Who is this?’ ‘That’s my Master.’ She started the journey, from Faith Is The substance all the way to Communion. She took her veil and veiled her head, testifying that she had no head. That’s why a woman, when she is getting married, she covers her head. It’s in Genesis 24. Every bride, who walks down the aisles, and covers with the veil her head, is reflecting that mystery. People did it all through the ages in the natural as tradition, whether they came in submission or not, but in this hour His bride has seen the Head. Who is this? Jesus, the One Who created the universe, to unite us. Do you feel united? She has the wedding band, the marriage certificate, that’s her name in the Book; she has the wedding gown, that’s His promised Word. What a great thing! The bride; all things are ready. May He speak to us today and quicken our faith, so when we walk out of here that we can have confidence, that you know you are one of them, that is soon to be caught away. This is the hour. We get what we expect, and what we ask for. Ask for faith to look away from all circumstances. He is mindful of your other needs, but He said ‘Seek ye first the Kingdom of God,’ the Word made Spirit and Life in you.
Science brought me through the first heaven all the way to Toronto, then with some more scientific achievement, a bigger aircraft, from Toronto to Frankfurt, then it brought me to Vilnius. I believe a mystery has come down to move us into the final transportation. Science has taken men from one country to the next, then put men on the moon in the second heaven, but it takes God to take men into the new Heaven. God took Elijah, He took Enoch, it was a transportation beyond civilization. How we ought to walk close to the unseen world, where He will come for us. One of these days your angels, that you live under the influence of, they will pick you up, and you will be united with it. You are not just being blessed and feeling charged, but you bump into them angels.
1 Thessalonians 4
13. But I would not have you to be ignorant, brethren, …he would drive the darkness out… concerning them which are asleep, that ye sorrow not, even as others which have no hope. 14. For if we believe that Jesus died and rose again, …and we believe that… even so them also which sleep in Jesus will God bring with him. 15. For this we say unto you by the Word of the Lord, …it’s not our mind saying this,… that we which are alive and remain unto the coming of the Lord shall not prevent them which are asleep. 16. For the Lord himself shall descend from heaven…it would not be sacrileges to say that He has descended in this day. This day this scripture is fulfilled… with a shout, with the voice of the archangel, and with the trump of God: and the dead in Christ shall rise first: 17. Then we which are alive and remain shall be caught up together with them in the clouds, to meet the Lord in the air: and so shall we ever be with the Lord. 18. Wherefore comfort one another with these words….In this hour what a great thing; there is comforting power in these words.
The Title for today’s service is:
Preparation for Dimensional Travel
Subject: The Mystery Behind The Five Raptures In The Bible
We know, the Bible shows us five raptures. It begins in Genesis and it ends in Revelation. The first rapture is revealed in the first Book, the last rapture in the last Book. One of the great things about the Bible, every time a truth appears for the first time in the Bible, that’s the root of that truth. And every time it appears again – because the Book is a Book of continuity – when that subject appears again, it is divinely given by the Author of the Book to further unfold the original revelation; so that we can see what this great promise of God holds for us, and we can understand it. As we think on this; there are five raptures, and I am sure everyone here should know those five. Two in the Old Testament, two in the New Testament, and one in the middle that ties the two on that side and this side together. Enoch, the seventh from Adam, was taken up, then Elijah was taken up, both without seeing death.
Then in the New Testament, Jesus and the resurrected ones, and ‘The dead in Christ shall rise first, then we which are alive and remain shall be caught up together with them in the clouds to meet the Lord in the air’….air is not like air, it’s another dimension. We are just not going in the air, we are changing dimensions. This is what the rapture is.
Many people speak about the rapture, they are looking for the rapture, they see how dark the world has become. But you can’t go in the rapture just on desire, because back in Eternity the works of God were finished before the beginning of the world. He never had to improve on His works. If there was going to be a rapture of the bride of Christ – to every purpose under heaven there is a time and a season – then God had to arrange what time and season it would be. It involves categories of people; one is called the dead in Christ, and one was living when those dead in Christ were raised. We who are alive and remain unto the coming of the Lord will not prevail or hinder…they would rise first. And we who are alive and remain, will be caught up together with them. Now seven messengers and seven groups of overcomers are already in glory, from Paul to Brother Branham, the messenger of the church age, and in every age there is a group of people, who has an ear to hear what is said in that age. Faith cometh by hearing. And in every age ‘to him that overcometh.’ Faith is the victory to overcome the world.
We didn’t end up in this by chance, our names were put in the Lamb’s Book of Life before the foundation of the world, and God had already fixed who would be the messenger for a particular age. So in every age there was a Word allotted for that age. In every age there was a messenger to whom that Word would be revealed to. Because in every age it was addressed in this manner: to the angel of the age of Ephesus, Smyrna, Pergamos, Thyatira,Sardis, Philadelphia, Laodicea….and so that angel, God had to put him in that age. And when he received that revelation – God had a predestinated people who lived in that age and who would recognize their day and message. We are in the seventh age. Did we receive a prophet, did we receive faith by that revelation? He gave us faith for rapturing grace. Would it be a message who would open the whole secret of God, what He had in the back part of His mind, when He was not even God, but the Eternal Spirit, the self-existing One, all the way to the future home, in the new Heavens and the new earth? We had such a messenger, and we recognized him because he had the character of God as specified in the Scripture. So we will know and be able to identify that messenger as being the one promised in the Scripture. And then God is obligated; when God promised such a thing, then He is obligated to point it out and vindicate it.
God has done that in every age. Did He tell Moses to give him two signs to vindicate his commission, so the people would know? In each age, the elect of God heard the Word of God. They may not know that’s the messenger, and which age they are living in, but the thing is, the elect know the Voice of God, and the Voice of God was being reflected through earthly men, but that Voice was coming from the Throne. The earthy men were only a mouthpiece, they had no message until God gave them a message. They couldn’t demonstrate nothing, until God worked through them. His children would recognize when this day has come. This one said, ‘I take every Spirit under my control.’ And God began to vindicate that He accepted this man. And so it was in every age. God doesn’t send a man without vindication.
‘As the Father sent me so send I you.’ How does He send them? He goes in them. How can we believe the works of God? Believe in him that God sends. This is an angel to the age, the pastor is the angel to the local church. Angel means messenger. If that gift is a foreordained gift, and God has five office gifts, apostles, prophets, pastors, teachers, and evangelists in His church, then God speaks through them for the perfecting of the faith. What a great hour we are in, when God has come down in this day, and we have recognized our day, our messenger, and our message. We have seen the vindication of God, and we are growing in grace and knowledge. At one time we were babies, from different walks of life, and then we went into baptism, and then one day we got a baptism that no man could give.
The Lord from Heaven is a quickening Spirit, and this quickening power came to us, the Seal of promise claiming our bodies for glorification. When the Holy Spirit came upon you, He knew He purchased you, and so He follows you and He seals you unto the day of your redemption. He claimed that body for glorification. When He quickened that soul, that soul brings that spirit and body under subjection and there is a power inside, controlling that spirit, so that reasoning doesn’t run off crazy, that the imagination doesn’t become vain imagination; He is controlling you to the Word. You have a power of conviction, principles. ‘I believe this, I stand for the truth, I don’t do this, my body is His temple.’ You carry yourself as His representative, and as that Holy Ghost is increasing, baptism after baptism, surge after surge, quickening power all the time. Because the challenges around you are changing. You get more revelation, you are maturing, you don’t run and sew up the place, you have tactical war fare, not as one that is beating the air.
When the enemy sees you, he knows you are not a fresh recruit, but a trained soldier. They think before they run into you. You don’t trick the devils, they are not stupid. They are very intelligent. Many times they watch you, and say, that’s a bag of hot air. But when you know the Word and you are not playing church, and you know the Word is Spirit and life, when you have principles, when you know who you are and when you try out the Word and you know it works, you are walking in a place from the time you begin to move, satan knows this one. The enemy knows who the threat is. All hell is against this truth, not in books and tapes, the truth that is in you. That’s the reason the devil is howling; his scheme has been uncovered.
Whatever city he went in, when that prophet walked in there, he wasn’t some man sounding the violin. When he picked up the violin and played the bow, the people who were saying ‘five dollars’ before, they kept quiet, because they started to realize the value of the instrument, and when that prophet opened up that Word, they could see the requirements of God, the anointing, the goal and the objective. And this is moving the church up to a next level.
That’s why you worship God in a different way, you speak in a different way, because God turned the message to the right angle. You see He is the I am that I am. When you come to church you come with expectations, the Holy Ghost in you is not the third person of the trinity, it’s God, the Creator. It creates a supernatural atmosphere that binds the enemy.
He is opening up the Word of God, the plan for your life, that you can walk in union with God. He has come for union, and He shows you how to work with the Word. Didn’t Elijah teach the woman how to work with the oil? The children were going into captivity, but she had the power for their liberty. She didn’t know how to work with it. She thought the man of God was going to come and smite the creditors blind, and they couldn’t see the boys. But when he came to her, ‘What have you in your house?’ ‘Nothing.’ ‘Nothing? Go, search again.’ ‘Yes, I have that oil.’ ‘Say it with confidence.’ ‘Oil.’ ‘You know what oil is, sister. Get empty vessels, then bring it into your house, shut the door, take from that little oil and start to fill, do exactly how I say to do it.’ She emptied all the vessels, and threw everything else out. She had all sentimental things stored up, but now she is under supernatural instructions.
The objective was to lose them boys from captivity, and to raise her living up to another level. She will never have to go begging again. She will never have to go back in debts. And that’s what the Holy Ghost is doing for us in this hour. We might just have a little bit of oil…but if you have that to work with, then what you have is sufficient to meet every circumstance. Sometimes what you underestimate, the value of what you see as little, is just in the humanistic realm, you are thinking of it in a faithless way, but the prophet is watching it in the reality what it is. And that Holy Spirit in you… it will amaze you, what God can do for you. Sometimes it’s sickness, some need healing, sometimes it’s leadership to make the right decision, sometimes you are in a hard place, because fear has you feeling insecure, but the Holy Spirit, that oil in you says ‘Be not afraid, stand still, greater is He in your house, greater is the oil in your house than the circumstances that you are faced with.’
Work with your oil, with the Spirit; from that anointing will come instruction what to do and how to do it. When you recognize the source, what it is, ‘I have oil in my house, I have children who need deliverance,’ and you begin to go to work. Yes, I am living in the days after Elijah, but the Spirit of Elijah and the teaching of Elijah is still in the land. He can still work with the oil. I have a need, and that’s how you open the Word. It’s a great thing that God designed for us.
You might say, ‘I am going to die, they cannot do more for me.’ Do you know who you are and the time you are living in? There is a people in this hour, there is an appointment. Healthy people die in accidents, some from a straight bullet. It’s not about health or sickness. Sickness doesn’t kill you, your allotted time just will be up. There is a time to be born and a time to die. He has the keys of hell and death. Either He has the keys or He doesn’t. Nobody can go to the grave except He does it. And then we have cowards, they die many times before their death. That’s fear. You cannot die until the time is up. In the Bible God tells people, with what death they will die. Herod killed James with the sword, he wanted to kill Peter the same way, but he wanted to make a great show of it. But God told Peter already what death he would be going to die with. This signified by which death he would glorify God by. When Peter was in prison, they had cut off James’ head, and they got ready for Peter, too. Then the Pillar of Fire came down and took him out. In 2. Peter he said ‘I am ready to go’….Peter was not worried. Everybody is allotted a time.
We had one who turned the back and discerned the heart, the heart-time, then the opening of the Word, the Word-time. What followed that? They turned back young, the young-time. Did we see the last sign, the opening of the Word, receive a message that brings faith, did He hide these things from us? Did He hide the Seven Seals from us? No. ‘I make it known to Branham.’ The elected church, we get our heart and mind around the Word. That is why God in human flesh turned His back. If all of this here is perfect, this part is going to be missing? What is the first thing He spoke when He came in Genesis 18? Where is Sarah? It perfected her faith. Because the promise is connected to her. Here we see in this hour, this thing that is moving amongst us. We have to stay in the drama, in the symphony, and realize, we are here now.
In the message ‘Shalom’ he tells us about Peter and the Wolf, by the way a Russian musical, and they are playing the music, and he used that to show to us, how to get in the symphony, how to get in the spirit of the director and in the spirit of the composer. Revelation 10:7 was the director, and Revelation 10:8-11 are the members of the symphony. And she knows the junctions of the music and she is in the right swing. When the music goes this way, the first pull, the second, then the opening of the Word. We are just about here, the drums are supposed to come in for the finish.
But when you are in the drama of the symphony, everything becomes so alive. This Word is being interpreted inside of you.You are not going to church, have a picture of the cloud on the wall, no, you are in the drama, you are moving with God in the season, and you are quickened, you know you are God’s bride, the elected. We have the revelation, the presence of God is among us, leading us forward, inspiring us, we have something real. It is happening among you.
QUESTIONS.AND.ANSWERS_ JEFF.IN COD SUNDAY_ 64-0823M
934-58 Now, the first thing happens when we’re resurrected… The ones which are a-living will just still remain… The resurrection will set in first, the resurrection of those that are asleep. There’ll be a wakening time, and those which are asleep in the dust now, not those that are asleep in sin, ’cause they sleep right on. They don’t awake for another thousand years. But those who are–are sleeping in the dust will be awakened first, and they’ll–these corruptible bodies will put on incorruption in the rapturing grace of the Lord. And then we’ll all get together. And when they begin to get together, then we which are alive and remain shall be changed. These mortal bodies will not see death, but just of a sudden, there’ll be like a sweep go over us, and you’re changed. You’re turned back like Abraham was, from an old man to a young man, from an old woman to a young woman. What’s this sudden change? And after while you–you’re traveling like a thought, and you can see those then who are already resurrected. Oh, what a hour. Then we’ll gather with them and then be caught up with them to meet the Lord in the air.
Elijah and Elisha walked together, crossed the Jordan, Elisha could feel, he knew and counted …..five, four, three, two, one…he was no more, where did he go? One of these days, may be you are walking going to the pastor’s house, they pick you up. People have not even caught the revelation. We have been visited by extraterrestrial intelligent beings. Living waters come on you, you start to feel your body is too small for you. You feel like bursting out of this pest house. The wine begins to ferment, and the skin is stretching. As the wine begins to expand in you, you have to let it out in a shout to God ‘Thank you Jesus, glory!’
Philippians 3:21; we are moving into it. When you see the Lord descending from Heaven, seven thunders uttered their voices, what will it do? It will open the Bible in a way you never saw it before. Scriptures taking on meaning, an intelligence is coming in to understand it and a faith is moving up inside of you; supernatural. The opening of the Seven Seals started with angels, from vision and prophecy to angels, to the loosening of quickening power. That hasn’t stopped. He is moving for a resurrection; John 11 all over again. Martha was swept up in such a faith, you are united with the Word right now, she was taken up in the mystery of who He is. She thought He was a healer. But she knew it was the changing of the music sheet, and He came as the resurrection and the life. ‘Yes Lord, I read it just yesterday, you will raise it up in the last day.’ ‘Come out of the future tense; I am right now, present tense.’ He took her out of the future, and brought her into the present. The vision is unfolding, the gathering first of the living ones, and then the resurrection of the sleeping ones, and then the unfolding of the supper. It’s happening, and only those that are taken up in the mystery under His Headship moving in the vision. One sister church calls her sister church ‘The Master is come, He is calling for thee. He is here, He is calling your name.’ And the power of that church is going to pull this church, to be all united with Jesus and they know they are moving into a resurrection.
We have come into the power of the resurrection. It’s not church, friends. On the inside we deal with omniscience. He is moving with us. ‘Move the stone.’ They are getting responsibility. Through the members… super sign, God in His people, the Word manifested in this end time. And He showed us He has come, gathered us, and even so sure, they will come up and go to the supper. ‘Your brother shall raise again.’ The shout, invisible union, uniting time and sign, super sign, God and man, and He is putting them under expectation for the next fold. They had to journey a little bit to get to the place. But He opens the mystery, after He gets the living ones. ‘Where have you laid him?’
We are moving to the next phase. Hear what they sing; it’s not just singing, but it’s a different kind of singing. I have come, I have sat and heard, I am blessed, I am inspired. I said, they write these songs to take you up there, taking you into heavenly places, bring them back and sing them in the church and a praise is going to come out, a transformation comes among the people. Of course, it makes others wonder. It’s a little different from the past. No man who has the old coat, desires the new coat. Turning a corner is a hard thing. And sometimes you watch it, that’s o.k. Don’t look and sit and stare at it. Taste the Lord, He is gracious. This is the mind of God. After the song last night, that they sang about the angels beholding the Father’s face, you can hardly preach anything, because these are Seven Seal mysteries. If they write in there, they have to go in there, too. It’s not something modified, but new things sealed up come back in this hour to lift the church into places, where organizations cannot go. No organization could sing about Melchizedek. They can sing about Calvary and Pentecost, but to sing about the Lamb stepped forth and took the Book, opened the Book…who did He give it to? To the Baptist minister, the Methodists? The Book went into the bride, a people connected to the prophet. The others have cast Him out. But He is riding as Son of Man again, and began to call His people out. People leave the system. When Absalom cast David out, the Gentile warriors didn’t stay with Absalom, but they went out with David. When Christ is cast out, watch the Antichrist comes in. But God gave His own a new song; nothing strange.
In Matthew 17:2; When they were on the mountain, Moses and Elijah didn’t live in the same age. Elijah was a little boy reading the prophet’s live story, how he was born in a log cabin, and Elijah used to read how the Angel came and commissioned Moses. Just like you read about the prophet. We had a Moses, too and then Elijah; read the book and see. Enoch was translated. Mommy said, ‘Elijah, sonny, you read about Enoch for the last three weeks. We’ve been reading this the last three weeks, why do you want to hear about Enoch all the time?’ ‘I would like that He does this with me.’
What is your favourite in this season? Where is your future? Those scriptures are put in the Bible for a people who go out in this hour. You know He is gathering a bride and show her how to prepare for translation faith, and the things have started and He does all three things. You say to yourself, let me fellowship a little bit with Enoch, let me spend some time and talk with Elijah, with Jesus. Why, you are in cue, you are anointed in there now, everything stops there, and the Seventh Seal is open to you, you have to start to look; all the knowledge to prepare, that material is in those places.
Henry Ford was getting a vision beyond the horse and buggy. He knew the material to make the horse and buggy. When they made the buggy for the horses, all the material in the earth was there at the same time to make the space ship.
Look how the Angel of God led the prophet from Mark 11:23 to John 14:12, ‘The works that I do shall you do also, and greater works.’ Greater works. Why don’t you do it? The wife is the glory of the husband, but she fell. He died, made an atonement, and she will be alive and remain. He deceived the woman in the beginning, and down through the ages it says, ‘and the woman was deceived.’ But He said, ‘I will have a woman in the last days, she will bruise his head.’ And that’s what we are called for. You are that bride, that faith in this hour, that He will show. He is calling for you.
I was just laying a background for something, after I hit this here right now.
2. Kings 2:1 And it came to pass, when the LORD would take up Elijah into heaven by a whirlwind…there are seven things here: And it came to pass, purpose. When, time. The Lord. Would take up, the act of translation. Elijah. Into heaven, destination, another dimension. By a whirlwind…transportation. Seven things.
This was at the time when Ahab and Jezebel were in a union. That’s what we have today again; the Vatican/Washington Alliance. Elijah was going to put judgment on them, he uncovered their schemes how they deceived the nations, how they bewitched them, and how they broke down the altar of God. But Elijah was sent to call an elected people out of the system. Jezebel, that pagan, was the power behind Ahab. She killed all the prophets, was drunken with their blood. Ahab had united with her for political reasons, he needed her riches. Ahab, the beast, came out of the earth. Revelation 13 is America, she started with 13 colonies. That beast that came out of the earth; they had fled from Europe for religious freedom, but now that same beast is speaking with the voice of the dragon. November 1960 she came to the throne and Elijah was in the land. The Angel told the prophet, it’s time to go and open the Seven Seals. Because Israel’s history is repeating itself. Brother Branham called it The Invasion Of The USA. Watch the things following this: famine, depression and war. Now they have put the White House today in rainbow colors, bringing it down to such a filth. They have cast down the truth, deceiving the people, drunken them with the cup of her abomination. A nation who had the greatest prophet on the face of the earth, the greatest works in quality and magnitude, and they rejected it and to see that in this nation, the whole nation now is in same sex marriage, having a gay president in the White House, and forcing that on the nations of the world. They are getting ready for the seventh vision.
The brothers were telling me, Jehu had a big parade, because the anger is being stirred; they are seeing how Ahab and Jezebel are fooling the people. And they have blinded the minds of the people. This is like in the time of Elijah, when she had broken down the altar of God. She had the whole nation under control in that time, she would get ready to persecute those seven thousand, getting ready to persecute Elijah, and she was setting up a system, even as we speak now. That evil is planned and has been prophesied, because just like Elijah could have seen into the White House and expose the schemes, the prophet has uncovered the schemes of the nations. Since Roosevelt had brought that nation into bankruptcy, they are giving support to the Vatican and they have become the instrument through which Jezebel can steal and take the resources of others. The kings of the earth are giving their strength and power to the beast. You see the first Jesuit pope, full of lies and deceit and the world has become so dark.
The meetings which we are having for the church are because God is moving His people up and He is sensitizing us, is raising the level of our awareness, making us more sensitive to the unseen world. When the enemy is coming in like a flood He raises a standard. Why crossed 12 men the Atlantic, talking about the Word day and night, day and night? We can see the oncoming storm of judgment and God is taking the eagles up, seeing the storm coming.
Elijah had already put judgement in the chapter before. First Kings 1:21 in there we see how Ahab and Jezebel had a scheme to possess Naboth’s vineyard. And when they couldn’t get it, they began to use the elders in the city, and then they killed Naboth and took the vineyard, and we are seeing this very scheme, the Vatican’s plot for Jerusalem, hiding behind human rights. They want to make Jerusalem an international city, and they are using all this language to steal by hiding behind human rights; it’s the same way they are bringing same sex marriage. It used to be a criminal offence, but they decriminalized it, bringing new terms. But for you to live right becomes crime. Manipulation of the world; this is the darkness because the pit is open, because those demons came out to inhabit the people. Satan brings his kingdom into flesh.
But we are attributes, God incarnated. Greater is He that is in you than the one that’s in the world. God is bringing His Kingdom into flesh. So Elijah here, when…when is the time, the hour, when Ahab and Jezebel were in a union, and Elijah had prepared the altar. Is that Jezebel drunk with the blood of six million in the dark ages? Jezebel back there and here. But Elijah has come and the hearts of the children are turned back.
The Lord…who is the Lord? The Eternal God, Revelation10:1 who expresses His attributes in flesh, whose names are in the Lamb’s Book of Life. It’s the same One coming to take them out. He had put Enoch in the earth, then took him out; He has put us in the earth, then He takes us out.
Would take up…purpose. He has a purpose in this age to catch the bride out; she will not be here to be persecuted, she will be taken out. He is coming for her. That’s why the Angel came, that’s why faith comes to us, that’s why we are put under expectations. God’s purpose is to take up a bride. Joseph dismissed his wife so he could make himself known to his brothers. Boaz’ purpose was to marry Ruth so he could restore all that Elimelech lost.
When, time… the end of the seventh age. The same conditions as in Ahab’s time, as in Jesus’ time, they exist here. Enoch named his son Methuselah, which means ‘he will die before the flood.’ Cain’s children were about to destroy themselves. Elijah’s time is here, Ahab and Jezebel are here in a Vatican/Washington alliance, and Elijah has come to take us out. Ahab and Jezebel are now trying to steal Naboth’s vineyard. It was his inheritance. Ahab got angry; he had no respect for the God of Israel. Jezebel was accustom to kill, and she has a scheme that influential people would speak against him. They would call for Naboth’s head and she is doing it right now. All the nations are in debt, she can shake up any nation, and use the IMF and the World Bank to strangle them, if they don’t submit. Because she is controlling economics, politics; she has all the kings of the earth drunk, that’s right. What are the seals? White horse, religion, black horse, economics, politics, she is the one doing all the genetic engineering; red horse, power is given to kill one fourth of the earth; depopulation. She controls all the trafficking, she through the nations produces the weapons, the fourth seal. Revelation 18; she is trading chariots, all the automobile industry, trading souls of people, human trafficking. She pays hundreds of millions for pedophilia; hush up money to keep them quiet. But some little ministers, they lock them up in jail, they raise the anger of the people against them. With the media today you can profile a person. Manipulation, deceiving the nations. Gross darkness on the people, but you rise and shine.
This Elijah said, a bomb is for America, it will be burnt. But before one bomb can fall, Elijah’s saints have to be taken out. The Holy Spirit, when He comes, He brings back the words of the Son of Man to remembrance. He is teaching us all things.
In this Scripture are all the conditions of the rapture, in Ahab’s time, in Jesus’ time, in our time. We are at the end of the ministry of the Son of Man. The last part, when the squeeze comes, watch the third pull then; it will go to the lost.
Elijah is a mystery of us, Jesus is a mystery of us, Moses and Elijah to come are a mystery of us, five raptures, but this one is the greatest one. This one is made up of seven church ages, who are asleep; seven messengers and seven groups of overcomers have been taken out, and we who are alive and remain… The bride in the years after the going of the prophet is not a baby church. Hear the things we are speaking about the Word here. We are not just saying ‘Shout, Voice and Trump.’
Enoch was on the seventh step going into the King’s chamber, where there is an empty coffer. Elijah turned the hearts of the children back to the faith of the fathers… seven thunders turned the hearts, these divinely revealed mystery truth. Enoch’s rapture was planned before the foundation of the world, Elijah’s rapture was planned, Jesus’ rapture was planned, our rapture was planned before the foundation of the world. It’s a people who are part of God, and their lives were to be climaxed by going out without seeing death. In this this age, there is a group without seeing death.
You are foreordained, so begin to walk in this. I was the first one coming here 1993. The point I am making, I saw what the church was like then. Now 22 years after I am seeing a spiritual evolution and what I see here, it’s different. It has certain characteristics. All through Europe to see something like that is a rare thing. I don’t say, it has no elect in all the countries; it has. The tree must be known by the fruit. It depends on the teaching if that seeds falls in the ground, it will bring the character to show that it’s a people under conscious preparation for dimensional travel.
It is 2 p.m. now; the Third Pull is coming tomorrow.
The rapture is really changing dimensions. Only the ones who are changed in their bodies will change dimensions. A law of corruption and a law of gravity hold this body down in time; where the fall has put us in time. We are aging here, but the key has come to open this door to move from mortality to immortality. Before Abraham and Sarah were changed, God came in a man like a prophet. God began to open the Scriptures, showing their move for a change. Didn’t that change come at the end of the seventh age? Is this why the Seven Seals are open to give us faith to be changed? Everything points to it. We are in that time. Only those who are changed in their bodies change dimensions; but your soul must be changed first. If the soul is changed, your body becomes subject to the Spirit; on the inside of you is a new nature. The new man is growing up, only those who are changed in their soul will be changed. And to be changed in the soul, your atmosphere has to be changed.
And many young ones have to be born, because if that hen sits on the nest and trying to warm up them eggs, and that hen has never been with the male bird, she will have a nest full of rotten eggs. When you see the young eagles hatching out and they like to get around the big eagles, and they want to fellowship and they are tearing out the meat, and mama eagle is tearing out the loose feathers from the eaglets, so they get strong to fly. You know that church is a bunch of eagles. This is not a chicken church; these are not Kentucky fried chickens; these are eagles, flying and eating the fresh Word in the right atmosphere. And then that body is materializing around that image. You have to grow up in the Word; Christ being revealed personally to you, the individual. May God help us.
I so appreciate the way you sit and take the Word. I trust I have not punished you for being so long, but I trust, your mind can perceive what we are trying to do, which is to move the church up higher, move in the lives of the believers to have a clear understanding, when we talk about the rapture, the going away of the church. The real emotion must be the revelation bringing stimulation. Amen.
During the course of the service, Brother Vin has referred to the following quotes, and I just want to add them here:
QUESTIONS.AND.ANSWERS_ JEFF.IN COD SUNDAY_ 64-0823M
933-Q-240 All right, fifth question: 240. Will the Bride be gathered together in one place at the rapture, and will it be in the west? Nope, don’t have to be there. Yeah, the Bride will be gathered together in one place. That is true, but not until the resurrection. See? “For we which are alive and remain unto the coming of the Lord…” Ephesians–II Thessalonians the 5th chapter, I believe it is. “We which are alive and remain unto the coming of the Lord shall not prevent (or hinder) those which are asleep (universally); for the trumpet of God shall sound, and the dead in Christ shall rise, and we shall be caught up together with them to meet the Lord in the air.” Therefore, the Bride will all be together when it goes to meet the Lord. See? It will be together, but it don’t necessarily mean that we–they all have to be setting in one place like this; because the Bride is sleeping in the dust of the earth around the world, from the Arctic to the tropics, and from–from the east to the west, from north to the south.
QUESTIONS.AND.ANSWERS_ JEFF.IN COD SUNDAY_ 64-0823M
934-56 Jesus said, “When the Son of man shall appear,” why, said, “it’d be like the Light that shines from the east even into the west.” The whole thing, there’ll be a resurrection, a rapture, and away it’ll go. And before it ever go up to meet Him… Watch the wisdom of the Lord. Now, let’s say, for instance, in talking this… I’m saying this through thoughts of grace and faith in the Word, that I say “we.” I’m throwing myself in with you all and I–and with the whole Body of Christ, universally. I’m–I believe that. And when I say “we” then, I mean, by grace I–I believe it. By faith I believe it in His grace, that we will be among those people that’ll be caught up.
QUESTIONS.AND.ANSWERS_ JEFF.IN COD SUNDAY_ 64-0823M
935-59 It’s not necessary, if your uncle is buried down in southern Kentucky, that he has to be brought up in Indiana, or buried in Indiana has to be taken to southern Kentucky. No matter where he is… Them are dead in the sea shall rise from the sea. Those that were destroyed in that arena and eat up by lions, those who are throwed in the fiery furnaces and not even the bones will be left or the dust, they shall still rise. Whether they was in Rome, or the arena at Rome, or whether they were in the tropic jungles of the south, or in the frozen regions of the north, they’ll rise from the dead and be changed and be brought up; and the living shall be changed in a moment, a twinkling of an eye and be caught up together.
QUESTIONS.AND.ANSWERS_ JEFF.IN COD SUNDAY_ 64-0823M
935-60 Look at the missionaries that died down there in the fields of Africa. Look at them that’s died up yonder in the–in the–the frozen regions of the north. Look at them that died in the arena, all over the world, in the Congo, and all around across the world. They’ve died everywhere in China, Japan, around the world; and the coming of the Lord will be universal, this rapture will. Watch the changing. “There will be two in the bed; I’ll take one and leave one,” the same moment, “There’ll be two in the field; I’ll take one and leave one,” one on the dark side of the earth and one on the light side of the earth. See? It’d be a universal rapture. Yes, the church will all be together, but after, after the resurrection and the rapture has set in. Now, if that is not the way you see it, why, that’s all right now. I’m not exactly talking when I say that; we’re taping this. You see? And it might be other ministers who disagree with that. That’s all right. How do we get in Christ, by one spirit we are all baptized into Christ.
Although this was a very long service, the people are rejoicing and worshipping the Lord for quite some time before we depart from the hall, but not from each other; because now we are all continuing to fellowship around the Word in Brother Valerie’s garden until almost midnight.

domain: literature


Meals tax generates over $25,000 in July
The Middlesex County Board of Supervisors learned at its regular monthly meeting on September 2 that the first-month (July) collection of the county’s new 4% meals tax totaled $25,834.88.
posted 09.10.2014Report says town hall has long-term water damage
Water in the wrong place goes a long way. Leaks in the 4,000-square-foot Urbanna Town Hall have damaged walls, windows and ceilings, states a report from TAM Consultants Inc. of Williamsburg.
posted 09.10.2014No change, for now, in Urbanna’s ‘public access to the water’ law
An initiative by the Urbanna Planning Commission (UPC) to remove town code requirements for “public access to the water” and open space appears to be dead—for now. The commission deadlocked in a 2-2 vote on July 17.
posted 09.10.2014New athletic complex to open
The grand opening of the Syd Thrift Athletic Complex, featuring a ribbon cutting and unveilings, is slated Friday at 5:30 p.m. on the football field at Middlesex High School (MHS).


Starwood Preferred Guest (SPG) will offer premier tennis experiences with the launch of its 2015 US Open SPG Moments. US Open SPG Moments are some of the most highly-anticipated packages of the year for the members. Not only do SPG members get to watch some of the greatest moments in the sport from the SPG Luxury Suite or courtside seats, they get exclusive access to the US Open that they won’t find anywhere else.
The SPG 2015 US Open Moments bring members unforgettable tennis experiences including:
• Behind-the-Scenes private tours of Arthur Ashe Stadium and US Open Media Center, including interview rooms, player dining areas, and more
• Hitting session on the court in Arthur Ashe Stadium with courtside seats to that day’s session
• Breakfast for two in the Player’s Dining Room at Arthur Ashe Stadium
• Courtside seats at matches throughout the tournament in the iconic Arthur Ashe and Louis Armstrong Stadiums
• Access to watch matches from the SPG Luxury Suite at Center Court with delicious catered food and beverages
• The chance to attend a post-match press conference or media tour
• SPG US Open Booth offering SPG Members special giveaways including free nights and a week-long luxury vacation to their choice of 1,200 hotels worldwide.
• Talent meet & greet at Arthur Ashe Kid’s Day
This year, all SPG members and tennis fans can “Open the World of SPG” by playing SPG’s interactive game to win instant prizes including Starpoints, gift cards and the grand prize – 250,000 Starpoints redeemable for a weeklong luxury vacation at participating Starwood hotels.
• At the US Open: Members attending the US Open can visit the SPG booth from Aug. 29 to Sept. 13, 2015 to win the grand prize, a Free Night Award or a $10 American Express gift card.
• Anywhere, Everywhere, Online: Members catching the excitement from home, work or the on-the-go can play online daily at spg.com/opentheworld beginning Aug. 29 until Sept. 30, 2015 to win the grand prize, $25 or $50 Amazon gift cards, or additional Starpoints from 1,000, 5,000, 10,000, and 25,000 increments.
“From Subway to Stadium”
All guests arriving to the US Open via subway will have the opportunity to experience the SPG sponsored pedicabs providing complimentary rides to the entrance gates.
For more information about SPG Moments and to see the entire collection of events available, visit spg.com/Moments.


Charlie O's jazz club closes
The news was announced in a brief statement on the club's website reading, "Due to the state of the economy, after 11 years of amazing jazz at Charlie O's, tonight will be our last presentation and the lights will dim forever after the last set." The evening's final performer was scheduled to be vocalist Janis Mann and her quartet. (If any readers were at the show and have reports of the club's final bow, please let us know in the comments.)
The announcement leaves another empty space in an already sparse landscape for jazz clubs in L.A. where fans can catch live jazz on a weekly basis, which include Hollywood's Catalina Bar & Grill, Little Tokyo's Blue Whale, Vitello's and the Baked Potato in Studio City. The Jazz Bakery, which has been staging "Movable Feasts" around town since losing its lease in 2009, announced ambitious plans for its new physical location earlier this year, but opening day remains a long way off.
Charlie O's original owner Charlie Ottaviano died in 2008. The club has been operated since then by his wife Jo-Ann.
With jazz shows five days a week from a roster of veteran local players and touring musicians, Charlie O's cozy atmosphere was a favorite among jazz fans, and it was regularly ranked as one of the top clubs in the country by Downbeat magazine. It's tough to say what the loss says about the future for the rest of the city's jazz venues, but the most immediate result is Charlie O's will be missed.
-- Chris Barton
Photo: Charlie O's original owner Charlie Ottaviano. Credit: Charlie O's.


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Dr. Ivan Strachan Bariatric Clinic, located in Calle Guayubin Olivo, Santo Domingo, Dominican Republic offers patients Bariatric Surgery Consultation procedures among its total of 5 available procedures, across 1 different specialties. Currently, there's no pricing information for Bariatric Surgery Consultation procedures at Dr. Ivan Strachan Bariatric Clinic, as all prices are available on request only . There are many specialists available at the Clinic, with 4 in total, and they are not accredited by any recognized accreditations institutes
Doctor of Medicine (Summa Cum Laude / Gold Degree) graduated from the Higher Institute of Medical Sciences of Havana (1989). Subsequently he studied specialization in general surgery (Summa Cum Laude / 100 points) and subspecialty in thoracic surgery at the "Hermanos Ameijeiras" Surgical Hospital in Havana, Cuba.
Dr. Strachan has had additional training in the Dominican Republic, Colombia and the United States in the area of bariatric and metabolic surgery.
Since 2010 Dr. Strachan has been developing a technical variant to the sleeve gastrectomy in order to improve the results of this procedure. He currently has more than 500 cases with his innovative technique. Dr. Strachan has been invited to important international events to present his technique such as the XIII World Congress of Laparoscopic Surgery 2012, SAGES (Society of American Gastrointestinal and Endoscopy Surgeons) 2012 and 2013, the IV World Consensus of Gastric Sleeve 2012, the V Latin American IFSO Congress of Bariatric and Metabolic Surgery 2013, at the XVIII World Congress of the International Federation for Obesity and Metabolic Disorders Surgery (IFSO 2013) in Istanbul, the XX Congress of the Latin American Federation of Surgery (FELAC 2013) and ALACE, Panama 2014.),
His continued education has allowed him to achieve a high level of updating in the field of Bariatric and Metabolic Surgery with international recognition. He has also introduced and developed highly complex minimally invasive thoracic surgery in the country.
In the present Dr. Strachan has his practice of Bariatric and Metabolic Surgery in the
International Center for Advanced Plastic Surgery (CIPLA), in the Cuban Dominican Medical Center and in the Independencia Clinic.
The information being provided by MyMediTravel about Dr. Ivan Strachan Bariatric Clinic is for the visitor's personal, non-commercial use and may not be used for any purpose other than to identify prospective treatments and procedures. Any information relating to Dr. Ivan Strachan Bariatric Clinic referenced on this web site comes from the Internet Data Exchange program defined by MyMediTravel. This web site may reference listings held by a brokerage firm other than the broker and/or agent who owns this web site. Any information relating to Dr. Ivan Strachan Bariatric Clinic, regardless of source, including but not limited to prices and available procedures, is deemed reliable but not guaranteed. The data contained herein is copyrighted by MyMediTravel and is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited.

domain: medical


text:
I have been posting all ten of my April 18 posts from previous years in celebration of the ten-year anniversary of the blog on April 18 of *this* year. Here now is a post from 2018 that focused on a book I had written years before that! The book I’ve always thought was my best piece of scholarship.
I am in Houston for a few days, giving talks at Rice University on the use of literary forgery in early Christianity. To prepare for the talks I decided to read through my 2013 book Forgery and Counterforgery: The Use of Literary Deceit in Early Christian Polemics. Of all the books I’ve written, I am proudest of this one. It is the very best I can do in terms of real scholarship. I don’t believe I’ve talked about it much on the blog, since it’s not a book for general audiences. But I thought it might be worthwhile to say something about it in a post or two, and there’s no better way to do that than to give the opening few paragraphs.
As will be obvious, the study was written for scholars, but there’s nothing too difficult about it, except a couple of unusual words. “Orthonymous” means “written under a correct name” so that an orthonymous writing is one that bears the name of the actual author – as opposed to a “pseudonymous” writing that is written in the name of someone other than the author; the term “homonymous” means “having the same name” and it refers to a writing written by someone who has the same name as another person who is more famous and is thus mistaken as coming from the other person (like if someone whose name really was Stephen King – but who was not THAT Stephen King – published a novel in his own name).
Anyway, here is how I start the book.
Arguably the most distinctive feature of the early Christian literature is the degree to which it was forged. Even though the early Christians were devoted to the truth– or so their writings consistently claimed – and even though “authoritative” literature played a virtually unparalleled role in their individual and communal lives, the orthonymous output of the early Christians was remarkably, even astonishingly, meager. From the period of the New Testament, from which some thirty writings survive intact or in part, only eight go under the name of their actual author, and seven of these derive from the pen of one man. To express the matter differently, only two authors named themselves correctly in the surviving literature of the first Christian century. All other Christian writings are either anonymous, falsely ascribed (based on an original anonymity or homonymity), or forged.
Joining the blog is easy and inexpensive; and every penny you pay goeth to our charities. So why not join? Click here for membership options

domain: library


Teen Wolf: The Real Life Partners Revealed | ⭐OSSA
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Teen Wolf: The Real Life Partners Revealed | ⭐OSSA Description: So what happened to Teen Wolf actors after the show ended?
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It's been a long time since we said goodbye to Teen Wolf and its cast and lots of curious things happened in the actors' lives since then.
Who got the role in Jane the Virgin spin-off? Holland Roden aka Lydia Martin was dating 2 actors from the cast! Tyler Posey aka Scott McCall has changed beyond recognition since the 1st season due to really tragic and sad events in Posey's real life.
What is going on between Tyler Posey and Sophia Ali? Crystal Reed's (portrayed Allison Argent) departure from Teen Wolf has become a breakthrough for her career, as she got the main part in season 4 of Gotham! Dylan O'Brien aka Stiles Stilinski is the one we are all here for!
Watch to find out all we know about Dylan and Chloe Moretz relationship! Who is Dylan O'Brien girlfriend? Tyler Hoechlin aka Derek Hale has an impressive list of famous exes.
Which is not surprising, just look at him! What is going on in Colton Haynes, Charlie Carver, Max Carver, Arden Cho lives?
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$ 25 Million
Ludacris Net Worth: Christopher Brian Bridges known professionally as Ludacris, is an American rapper and actor. Ludacris is the founder of Disturbing tha Peace. Ludacris has won Screen Actors Guild, Critic’s Choice, MTV, and Grammy Awards. Along with fellow Atlanta-based rappers Big Boi and André 3000 of OutKast, Ludacris was one of the first and most influential “Dirty South” rappers to achieve mainstream success during the early 2000s.
Check out the below article to know the complete information regarding Ludacris Networth 2020 in dollars, Salary Per Year, Per Month, Per Day, Houses, Cars, Brand Endorsements, and his other Investments details. Also Check, What is the Net Worth of George Lopez and Kurt Russell
Ludacris Net Worth 2020 @ $ 25 Million
How much is Ludacris Worth?
Award-winning rapper and actor Ludacris has a net worth of $25 million. Many users ask us, What is Ludacris Net Worth? for the sake of those users, we are providing the up to date estimated earnings on this page.
Ludacris Salary Per Movie | Per Year | Per Month | Earnings Overview
Earnings 2015 – $8 Million
Earnings 2014 – $8 Million
Earnings 2013 – $12 Million
Earnings 2012 – $12 Million
Earnings 2011 – $12 Million
Earnings 2010 – $16 Million
Record Sales 2010
Ludacris Mansion (House) | Cars | Private Jets
Ludacris House & Property (Ludacris House Address?):
Atlanta rapper Ludacris buys 6,000-square foot mansion in Hollywood Hills for $4.8 million.
Ludacris Biography | Wiki
Ludacris was born in Illinois as Christopher Brian Bridges. Ludacris took an early interest in rapping shortly after his family relocated to Atlanta, Georgia. Ludacris studied music management at the Georgia State while trying to get his career as a recording artist off the ground. To date, Ludacris has released seven studio albums, all of which have reached the top five on the US Billboard 200.
His debut album, Back for the First Time (2000), reached number four on the Billboard 200 and has been certified triple platinum by the RIAA. He had three albums consecutively top the US Billboard charts (Chicken-n-Beer, The Red Light District and Release Therapy, respectively) with two number one hit singles, “Stand Up” and “Money Maker”. He has worked with notable recording artists such as Mary J. Blige, “Grown Woman” on her Grammy award winning album Growing Pains, Lil Wayne, “Eat You Alive” and Usher “Dat Girl Right There” on the album Here I Stand.
As a recording artist, Ludacris has five BET Awards, three Grammy Awards and three MTV Music Video Awards. In addition to his career as a rap artist, Ludacris is also an accomplished actor with main roles in Fred Claus, RocknRolla, 2 Fast 2 Furious, and the Academy-Award winning film Crash, which garnered him a Screen Actors Guild Award.
Quick Facts about Ludacris:
|Net Worth||$40 Million|
|Date Of Birth||September 11, 1977|
|Place Of Birth||Champaign, Illinois, United States|
|Height||5 ft 7 in (1.721 m)|
|Profession||Rapper, Actor, Entrepreneur, Film Producer|
|Education||Banneker High School, Georgia State University, Oak Park and River Forest High School, Centreville High School|
|Spouse||Eudoxie Mbouguiengue (m. 2014)|
|Children||Karma Bridges, Cai Bella Bridges|
|Parents||Wayne Brian Bridges, Roberta Shields|
|Nicknames||Luda , Tha Ludameister , クリス・”リュダクリス”・ブリッジス , DJ Chris Lova Lova , Christopher Brian Bridges , Chris ‘Ludacris’ Bridges , Christopher Bridges , Chris Bridges|
|Awards||BET Awards, BET Hip Hop Awards, Grammy Awards for Best Rap Song/Album/Best Rap/Sung Collaboration, MTV Video Music Award for Best Rap Video (2005)|
|Record Labels||Disturbing tha Peace, Def Jam, Def Jam South|
|Albums||“Incognegro” (1999), “Back To The First Time” 92000), “Battle of Sexes” (2010), “Ludaversal” (2015), “Chicken-n-Beer” (2003)|
|Nominations||, World Music Awards, MTV Movie Awards, Grammy Awards, BET Hip Hop Awards – Best Hip Hop Video/Best Club Banger|
|Movies||“2 Fast 2 Furiuos”, “Fast Five” (2011), “Crash” (2004), “Gamer” (2009), “New Year’s Eve” (2011), “Fast & Furious 6”|
|TV Shows||Battleground Earth, Rising Star, Sprite Step Off|
Ludacris Instagram | Facebook | Twitter | Snapchat
Hope you like this Ludacris Networth article. If you like this, then please share it with your friends… This above post is all about the estimated earnings of Ludacris. Do you have any queries, then feel free to ask via comment section.
- Ludacris Net Worth 2020 @ $ 25 Million
- Ludacris Salary Per Movie | Per Year | Per Month | Earnings Overview
- Earnings 2015 – $8 Million
- Earnings 2014 – $8 Million
- Earnings 2013 – $12 Million
- Earnings 2012 – $12 Million
- Earnings 2011 – $12 Million
- Earnings 2010 – $16 Million
- Ludacris Mansion (House) | Cars | Private Jets
- Ludacris Biography | Wiki
- Ludacris Instagram | Facebook | Twitter | Snapchat
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domain: celebrity


text:
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domain: travel


text:
Dunmor Quadrangle Kentucky 7.5 Minute Series
Published by the United States Geological Survey
Year Published: 1954
Edition Year: 1953
Water Bodies: Clifty Creek, Coon Range Lake, Mud River, Rocky Creek, Wolf Lick Creek
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A high-calibre panel explored the many and varied strategic issues facing the superannuation industry over the medium and long term at recent roundtable in Sydney. Andrew Starke reports.
I suspect we probably couldn’t have picked a better time to have this discussion because there is so much on the table with regards to what’s going on in superannuation at the moment. Superannuation is now 22 years old and it’s evolving, growing and becoming an adult. Meanwhile, Australians are reaching retirement age with super funds that are getting larger, more sophisticated and increasingly competing to satisfy their customer requirements. Pauline, what do you think are the key issues the superannuation industry is facing at this critical time and do you believe the Financial System Inquiry (FSI) has really touched on some of those key issues as you would have expected?
There are a number of issues for the industry. Firstly, its key stakeholders, including the government and treasury, have very low confidence in the industry and a poor view of its credibility. When the treasurer of the country stands up and says the superannuation system is not doing its job, then we have a real image problem. Then one of the most visible findings of the FSI is that the industry is much more expensive compared to its competitors on a global scale. From an industry point of view, we still have masses of challenges with the implementation of Stronger Super. However, there were two big things that have come out of the FSI, both of which I think are very positive. One is the fact that finally the focus is on post-retirement. We might actually see some movement there and I think we’ll see regulation change to open up the market in post-retirement. At the moment, there’s absolutely no flexibility in the system and in developing products. That needs to change. So now it’s time to set those rules and the industry can use this as an opportunity to make a significant contribution. The second part is the fee issue. The reason I raise this as a positive is because it gives us an opportunity to share in a public forum where the costs actually go. There is a perception that
funds earn millions of dollars and that the margins in super are huge. They are not.
Beyond what Pauline has mentioned, what other key issues is the industry facing at the moment?
I think the essence of the superannuation industry is about the community trusting the industry. That should include government, regulators, fund managers and everyone else that participates in the broader industry. Trust is such a huge part of that dynamic and criticism of the industry, its costs, the focus on governance, the suggestion that sometimes compared to other funds we don’t have as good governance, all of this is eroding the trust of the general community and this isn’t really in the interests of anyone. Any industry in the economy can be run better than it currently is. There’s no industry that’s completely efficient out there. Many may debate that they’re more efficient than others, but there’s no doubt that there’s scope for our industry to improve and get better at what it does. However, while they have a different market to ours, those in the UK superannuation industry look at what we’re doing here in terms of member engagement and communications and they are amazed. I know they face very different dynamics to us, but they are really interested in what we’re doing. In many ways they’re only starting the journey of getting to where we have already got to.
Damian, you come from the investment management side rather than the superannuation side. Tell us a little bit more about what QSuper is facing right now?
In terms of the investing environment at the moment, there are obviously some real challenges with low cash rates around the world. We’re really positive about the fact that there’s so much focus on longevity in terms of the FSI. I started life as an engineer and some engineers build bridges. It seems to me we’ve got this situation where you sit down in front of a financial calculator, if you’re an ordinary person, and it asks you how long you want your money to last. So do you say 85? Is that the average age? So they build this product that goes out to 85 and then what? You could be driving along until you hit 85, but you’re in trouble if you keep going. So for me it’s a really important part of finishing off that bridge and building the bridges to help members get to their final destinations.
Let’s talk about the trust issue raised earlier because I think that’s one of the fundamental issues. We’ve had the Future of Financial Advice (FOFA) reforms and proposed amendments met with a mixture of responses. David Murray came out and specifically mentioned a vertical integration issue in the interim FSI report. What do we think is going to regain that trust that has been lost? How can the individual members feel confident that they’re getting advice that really is in their own best interests?
I think there’s a significant change happening. We’ve talked about the definition of advice for many years and, rightly or wrongly, financial product advice is where we ended up. In reality, much of the advice that is delivered is not financial product advice. The professionalism that’s come in means we can start to recalibrate the definition so that customers can say “when I go here, I know I’m going to get sound information”, but they are there to make a product fit. Selling products is very different to strategic planning. It requires very different skills and different customers have different needs. That’s what the FSI has opened up and that is an enormous can of worms. It’s a great opportunity, but it could change the game for some people in this room.
The one thing that was drummed into my head as a lawyer was that I should always act in the best interests of my clients. The way I look at it is that we really should have two types of advisers in the future. We should have people whose interests are aligned with the members’ interests and that’s an inversion of where we are at the moment. They’re not selling products. They are providing advice. Then there’s another group of people who are not aligned and should have a big sign on their heads which says: “I’m just flogging product for whoever I’m working for.” Murray talks about asymmetry of information and a whole lot of stuff like that, but unfortunately I see far too many of my members going into products that are just not right for them and are too expensive. They’ve been sold a product. It doesn’t matter how you dress up what’s occurred in the past couple of weeks, but we have lots of working class people who aren’t particularly financially literate or numerate and they’re being put into products which are totally wrong. For us, we really see this as perhaps one step in a much longer battle that has to be fought about financial planning, advice and the role of product providers. We’ll continue to campaign with a message that financial planners should always have their interests aligned with members, full stop! Banks can go and flog their products, but really let’s not mince words, because that’s what they’re doing.
I think there is an opportunity and yet there’s some way to go. The opportunity that scalable advice is possible by defining clearly what types of advice there are is quite good for the consumer. The idea that we can start to speak to financial institutions and say what we want advice for, and be clear about what that is, and then, potentially open up the ability for technology to be used for members to get light or simple advice is a good thing. Yet, on the other hand, there’s a way to go because, as Bill rightly points out, the terms and the manner in which that’s executed needs to be very clear.
I work for BT Financial Group and specifically in the private wealth business where we are dealing with the general versus personal advice aspect on a day-to-day basis. The Murray inquiry pointed out that general advice should be classed as “sales”, with customers being self-directed and seeking a solution as opposed to providing a solution to them in their best interests. So going forward, if advice as a term is defined better, as in “for your interests” and personal advice only, that will go a long way to helping the industry. We do see that wealthier clients tend to be more self-directed. They often do not want a longer, personal advice conversation. They may directly ask you for a certain solution or product. We do feel compelled as the banks to provide them with this factual information they’re asking for in which case it is general
advice for us.
So does that mean there’s going to be this two tiered or several tiered level of service or advice depending on whether you’re wealthy or not? How’s that going to play out going forward?
I would like to think that the landscape will change a fair bit over the next few years. There is some scepticism about people going to see financial planners and even a lack of appreciation of the costs involved in that – that a small cost there is really worthwhile. That I think could well lead to more and more people looking for online solutions. We could have simple solutions that deliver what people actually need and can filter the types of suppliers that Bill talks about to those that are aligned or not, and we can ensure there are cost efficiencies there. I would like to think that that’s going to assist people who don’t have as much money in getting appropriate aligned financial advice as well. A lot of people have situations that aren’t that complicated. There probably is relatively simple advice that ticks most of their boxes and can get them a long way down the path without some of the hurdles they are struggling with at the moment.
As Australians, we do not like the idea of paying for financial advice. I think the financial planning industry has dug itself a hole that it can’t get out of which is costs packed inside product. You’ve got to pay for advice. You wouldn’t expect to see a heart surgeon give you some advice for free or at the BBQ. There’s another group of people who believe it’s quite legitimate to be able to have this conflict between advice and best interests. For us as a superannuation fund, we have a dilemma. We believe in the former, but our members benefit from the latter. We’ve got a significant weighting to domestic banks and that’s been terrific for our members over the past 12 months.
It doesn’t seem that unreasonable to expect financial planners to offer advice that is in the best interest of their members or is of a certain level of quality. As a concept, we shouldn’t even be debating it really. It’s a no brainer. I know the detail and complexity are what create the problem. Some of our members are wealthy individuals and they don’t like paying for advice either. If you extrapolate the lack of financial literacy across the industry, you have an individual who is supposed to have a high level of professional capability to provide advice and an individual who is seeking advice who is at a disadvantage and who will, in most cases, probably accept what they’re being told. He or she doesn’t have a high level of knowledge to critique what is being said and this places a level of trust on advisers that is working with them.
Think back to pre-iTunes days. It was possible to download music off the internet and to put it on devices and play it. But people didn’t do it. It was a very technical thing and there was a general apathy. That’s what we see around at the moment. People aren’t engaged and maybe they shouldn’t be. Perhaps the right thing for us to do is to deliver something that will get them home. Again, we need that longevity piece to finish it off and give them something as a starting point so that if they jump on that road they’ll be alright. They may choose to be self-directed and complicate things, but in the first instance we should give them something simple that gets them home.
Has the Australian superannuation sector been effective in creating and designing products that best serve the customer in the past or would you still say there is a lot of work to do to improve on that?
It is difficult to innovate at this time in post-retirement products. You cannot put any innovation in a post-retirement product whatsoever. Then you’ve got the tax treatment of annuities, particularly if they’re deferred. That’s just a brick wall; you can’t do anything. You’re not going to get innovation until you start to look at this. To develop a product, you’ve got to go through four regulators and each one has a different view, so the cost is enormous. There’s absolutely no advice framework around it. Financial planners don’t know about tax and they certainly don’t know about post-retirement. It’s never really been a big part of their curriculum. So that needs to be changed. How do we measure post-retirement? If I retire with $200,000, which one of the people around the table is going to give me the best deal to turn that $200,000 into an income stream for the rest of my life. Unless providers are measured on that, we will never really start to get that conversation and innovation going.
We’ve talked about how all products interconnect and interrelate. We need to consider a holistic index that looks at dimensions other than just pure financial performance. Does it satisfy other retirement outcomes – for example, your health because the health dimension is real and has a big impact on overall care in retirement? I’m hoping there’s some opportunity around health insurance as that product could probably do with some rethinking in terms of how it could support retirement outcomes. Part of it relates to health incentives rather than “I got sick, I got fixed, I can do it all again”. There’s also a consequential behavioural dimension to it. But how do each of those elements inter-operate – the insurance and superannuation – as a holistic vehicle for retirement? I’m not sure we’ve really kept pace with society.
The constant change in that environment makes it really difficult to design products. How do you design a product that has a perfect landing?
How prepared and organised are some of the larger industry funds to cope with these extraordinary complex issues that are coming at them quite rapidly?
We don’t pretend that we’ve got the answers, but we’re starting to ask ourselves the questions. We’re trying to take steps in the directions that we think are appropriate. We know that some of the steps we take 10 years down the track will be far more sophisticated, but we also feel that if we don’t start moving, we probably never will. We’ve made a range of changes over the past few years. One was moving away from ratings. We thought it wasn’t in the best interests of our members to be in a race against other funds, given that different members are of different ages and average balances and so on. We thought the best thing we could do was to be out of that race. Part of that led to more robust asset allocation changes that have seen us hold a lot less equities and a lot more bonds. The other thing we’ve started doing is moving our default members and adjusting their investment risk based on growth, their age and their account balances.
In the past month or so, the Commonwealth Bank has been on the front page and, I dare say, if the public cannot trust the Commonwealth Bank, then who can it trust? I’m not sure all the inquiries and legislation is actually getting to the heart of solving that problem. The latest FoFA amendments have watered down the best interest rule which I don’t think is in the best interest of consumers at all. And we have a ticking time bomb with self-managed super funds. I’d also say we’ve got a ticking time bomb with the way that the four banks are set up for internal financial advice. What happened with the Commonwealth Bank? All four of the banks have set up the same way under their new model, a vertically aligned platform. When it comes to post-retirement, I’d say industry funds have missed the boat. They just seem to concentrate on their existing members and only on their account balances within the fund. They’ve missed the whole complexity of people coming up to the age group of, say, 50 plus and what they’d acquire. That’s a shame because when you look at it, industry funds will give the public value for money and trust that’s probably lacking in the industry at the moment. So at Sun Super we’re going to look at that. I think there’s a definite fracture in the market. Thirty-three percent in self-managed super funds tells a story. Thirty-three percent of the market just doesn’t trust us.
You’ve got to be careful with these stats. You’re absolutely right that 33 per cent of funds under management is selfdirected, but it’s less than four per cent of the Australian population. When we talk about the system or duty of care or about how we deal with trust, we have to really think about it and the question of where the money is. So when you look at self-managed funds, yes, there are some issues. Look at the divorce rate and the unravelling of self-managed funds when divorce occurs. It takes years. There’s also an insurance gap there. These issues are not systemic yet, but we need to be very careful. Thirty per cent of people moving out of your fund are going to a self-managed fund. Because all the higher account balances have gone, it’s the smaller accounts that are now trickling into self-managed funds and that is a growing issue. When you’ve got one high account, one low account and same investment strategy, that’s when you start to see those fundamental advice issues. It wasn’t there so much before, but now it is.
I wonder sometimes if we, the industry, and probably the government and regulators to some extent, need to internalise the debate and sort ourselves out first and reduce some of the bickering that goes on between the different segments of the market. We do have very high-balance members and we do lose a lot of high-balance members to self-managed super funds, but we also have people who are unwinding their self-managed super funds and coming in to use our direct investment platforms because they were burdened by the compliance. We also have people who are getting older and don’t want to leave the complexity of the selfmanaged super fund with their spouse should they die. It’s a competitive marketplace as we all know and increasingly, it should be a more mature industry and people should be able to do things in different ways with different vehicles and different products. I don’t think we should be automatically negative about a particular element.
I think there’s a second dimension to the rise of self-managed super. Of course there’s a trust dimension with financial institutions, but the other issue is that people, in general, are saying: “Why can’t I look online for this or that?” And yes, they may end up going to a full financial advice situation, but they may not. People in general are moving to a Web 2.0 environment where information is free and its easy. They choose what information they trust and they vote with their feet.
Is the super industry well prepared for the technology revolution that is confronting the financial services sector right now? Are we seeing the foundations being built in terms of investment in the services that should be there in the future?
It’s very lumpy. When you look at a lot of the retail sector, there are some real game changers out there in terms of investment in new technology and efficiently linking access to one’s super account. But, on the back-end, many providers with legacy products and systems can not go shooting ahead with new products. They’ve still got an anchor behind them. There’s no doubt that some of the innovation in the frontend engagement with clients in the industry fund movement has been spectacular. What we forget as an industry is that our biggest stakeholders today may not be our employers in the future. So we’ve got 800,000 of them coming into contributions, some players are ready, some players are not, some players are saying they are ready but they’re not. Sure they can accept electronic contributions, they accept electronic data, but they have to print it off. If we don’t get that back-end sorted or successfully implement Super Stream and don’t have data and money aligning over the next 12 months, we will have a significant trust issue. This could be our biggest trust issue.
I think some people in this industry are deluding themselves that a whole lot of things are free goods. It’s pretty unhealthy for the Murray inquiry and the Grattan Institute to talk about costs in that sense, because if we actually really want an efficient and functioning industry, there’s money that’s got to be spent on technology. It is about us having a sufficiently high administration fee to be able to pay for technology and to have it out there. For us as a fund, we’re not necessarily acting in the best interests of our members by starving our administrator. But I don’t think scale is necessarily the issue. Some funds may become too big to administer; they’ll have their own set of problems.
I would say that scale is a topic that the big funds put out there in the marketplace because they want to get bigger in the easiest possible way, which is by swallowing up smaller funds. You can be a very specialist, niche, boutique player and run a very efficient business and develop really good engagement with your members that no other big fund can even hope to achieve. The scale thing fires me up every time because I just think it’s nothing more than PR spin.
I appreciate the dynamics on the service charges, but the early settler problem mentioned usually results from too much ambition in a technology investment – that is, too much catch up as opposed to a graduated investment program over time to get a higher level of capability. It’s less about super and more about organisational strategy. The good or bad news, depending on how you look at it, has less to do with technology and more to do with strategy and operational design. here’s a real message in that because too many times in the past 12 months I’ve had to sit in front of folk and have some pretty unpleasant conversations. I’ve had to tell people that I think they’re biting off more than they can chew. Way too much. My advice is to work on a program where, say over the next three or four years, you’re going to have a deliberate and sustained program to get to a better level of capability, as opposed to a lot of big words and lovely statements of intent that don’t have execution and pathways behind them.
There are a number of things in any industry that are all about competition and point of difference. There is no problem with that, but some things need to be for the good of the industry. I use the banks as an example – what they do in terms of their ATM system so that they can all use each other’s ATMs. You could make it a competitive issue, but they’re mature enough to recognise that it’s better to work together. This is the difference between teenagers and adults. You’ve got the Australian Taxation Office which governs our gateway system, because the industry would not agree even to do that. We’ve got 18 months left to agree to actually put that body in place. I’ve been working on this for four years and it’s still a sector issue. Until we decide these are the issues where we all contribute, without putting sectors and competitiveness into it, then we’re still children. Banks have got APRA and they have agreed, even if they agreed to disagree, that they will agree on some points. This industry will not.
I want to ask about asset allocation and longevity risk. How are we going to tackle longevity risk and what is needed for Australians to balance their penchant for equity and property across other asset classes?
When you look back five years, the allocation to Australian equities was nudging 60 per cent. It’s now about 50 per cent, so it’s already starting to change. Yes, we all know that there’s no deep and liquid bond market and we know there are impediments to infrastructure. In more mature markets like the US, UK and Japan, their superannuation-equivalent systems are a lot more deterministic in terms of what types of products are coming onto the market, whether they are coming out of investment banks or from corporations and so on.
BT has spent a significant amount of time to delivering more fixed income products to self-managed super funds and self-funded retirees. There’s no doubt the market needs to become deeper and wider in the fixed income space. Legislation aimed at making it more attractive for listed companies to issue simple corporate bonds to retail and sophisticated investors has now passed through both houses of parliament. This is expected to be a positive supply-side initiative for senior unsecured investment opportunities. If we’re going to develop the listed bond and hybrid market, we need to be able to attract more offshore issuers and local corporates. One of the biggest impediments to that is obviously the current tax structure relating to withholding tax. I think the government needs to rethink its whole approach to withholding tax to attract more foreign bond issuance to the listed market.
When you look at the original role of the system, it was to provide a supplement to the aged pension. We certainly drive economic growth and even when you look at the recent speeches at B20, there was a lot of talk about the super pool being the ballast when it came to the GFC. The question that is always asked of the system, rightly or wrongly, is whether the tax concessions that are funded by the taxpayer are better off in the system or in consolidated revenue. Part of the answer to that is how much we drive economic growth, how much we fund innovation and how much we deliver on infrastructure. Those questions will not go away. I think the industry sees we will not be able to deliver long-term sustainable returns to our members unless we contribute to economic growth, because they do go handin- hand.
PAUL FRANKS OF SAS
THE AUSTRALIAN SUPERANNUATION industry has reached adulthood. As an adult, it enjoys generous living arrangements, is expensive and not always acting in the best interest of members. The time for change is here and must be made. Australia has an ageing population and reliance on compulsory superannuation contributions to provide sufficient retirement incomes will prove challenging and sustain dependence on government pensions. Governments of either political persuasion need to take a bi-partisan approach to legislation and taxation arrangements for superannuation. Any arrangements need to be progressive and equally support fair share and income adequacy principles. There are still significant opportunities to reduce operational costs and give greater preference and focus to effective support and advice to customers across each phase of their income and retirement lifecycle. The FSI has now put the issue of post-retirement firmly on the agenda and together with deeper consideration of taxation, I hold expectations that retirees in future years will be able to enjoy greater certainty and confidence that incomes will be sufficient for periods of extended retirement. What role can analytics play? Better data and insight means capacity for better long-term decisions and improved opportunity for right outcomes. Isn’t this really what fund members are seeking?
- Capital Markets,
- SAS, Super, Paul Franks, Pauline Vamos, Association of Supperannuation Funds of Australia
- Andrew Starke
- Article Posted:
- September 01, 2014
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The music playing is titled
Love Never Fails
Performed by Amy Sky
Written by Brandon Heath, Chad Cates
Released on February 5, 2009
This song is about the famous New Testament - Brandon Heath
Love chapter of 1 Corinthians 13.
We are called to love the world, and 1 Corinthians 13 is about how it should look.
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text:
Adobe today pushed another update to seal nearly three dozen security holes in its Flash Player software. Microsoft also released 14 patch bundles, including a large number of fixes for computers running its new Windows 10 operating system. Not to be left out of Patch Tuesday, Oracle‘s chief security officer lobbed something of a conversational hand grenade into the security research community, which responded in kind and prompted Oracle to back down.
Adobe’s latest patch for Flash (it has issued more than a dozen this year alone) fixes at least 34 separate security vulnerabilities in Flash and Adobe AIR. Mercifully, Adobe said this time around it is not aware of malicious hackers actively exploiting any of the flaws addressed in this release.
Adobe recommends users of Adobe Flash Player on Windows and Macintosh update to Adobe Flash Player 22.214.171.124. Adobe Flash Player installed with Google Chrome will be automatically updated to the latest Google Chrome version, which will include Adobe Flash Player 126.96.36.199 on Windows and Macintosh, and version 188.8.131.52 for Linux and Chrome OS.
However, I would recommend that if you use Flash, you should strongly consider removing it, or at least hobbling it until and unless you need it. Disabling Flash in Chrome is simple enough, and can be easily reversed: On a Windows, Mac, Linux or Chrome OS installation of Chrome, type “chrome:plugins” into the address bar, and on the Plug-ins page look for the “Flash” listing: To disable Flash, click the disable link (to re-enable it, click “enable”). Windows users can remove Flash from the Add/Remove Programs panel, or use Adobe’s uninstaller for Flash Player. Continue reading →

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James Gorman, Chief Executive of Morgan Stanley, says the firm is prepared for a potential Moody's downgrade. Gorman made his comments at an investor conference this afternoon.
James Gorman, Chief Executive of Morgan...
Having blown it on Uber, investor Gary Vaynerchuk shares his lessons on how to spot the next "unicorn"
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Here's how you can have the best meal of your life on an airplane
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What one woman learned from declaring bankruptcy after taking on $20,000 of debt
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