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Revelations!! Truth!!
My latest bombshells - dropped on Caleb Collier’s @1churchandstate
Watch the full interview here:
churchandstate.media
My latest bombshells - dropped on Caleb Collier’s @1churchandstate
Watch the full interview here:
churchandstate.media
This is a huge tutorial so take your time, pour a cup of something, sit back and enjoy learning your rights
YOUR HOME WAS PAID OFF THE MINUTE YOU LEFT THE CLOSING.
“When you deliver the note to the bank, you are not delivering a promise to pay. You are delivering a cash equivalent asset worth exactly the amount you believe you are borrowing.”
Credit: @redbeard172023
“When you deliver the note to the bank, you are not delivering a promise to pay. You are delivering a cash equivalent asset worth exactly the amount you believe you are borrowing.”
Credit: @redbeard172023
Bank Lending Loans and Mortgage
This process is not a theory, allegation, or conspiracy.
It is the standardized, documented, audited operating procedure for all bank lending in the United States, unchanged since 1990.
It is defined in bank regulatory guidance, GAAP accounting standards, and the official comments to the Uniform Commercial Code.
It is NEVER disclosed to the public or to borrowers.
---
PHASE 1: EXECUTION OF THE NOTE
At the exact moment a wet-ink autograph is applied to the face of the instrument:
• Pursuant to UCC 3-104, the instrument becomes a negotiable instrument, and is therefore money per the legal definition used by all federal banking regulators.
• Pursuant to UCC 3-412 the maker is liable on the instrument to any holder in due course.
• Critically, at this exact moment, you are also the sole and absolute lawful holder in due course of your own note. There is no other owner. The fair market value of the instrument is exactly equal to its face value.
• OCC Interpretive Letter #827 (1998) explicitly confirms that for all bank regulatory, reserve, and accounting purposes, a promissory note signed by a natural person is identical to cash.
When you deliver the note to the bank, you are not delivering a promise to pay. You are delivering a cash equivalent asset worth exactly the amount you believe you are borrowing.
---
PHASE 2: THE INDORSEMENT
The bank will never sign the face of the note. If they did, they would become liable to you for the full face value pursuant to UCC 3-413.
Instead, they will make exactly one indorsement on the reverse, which will never be shown to you:
"Pay any bank, for deposit only, without recourse, all prior indorsements guaranteed"
This is the single most important sentence in the entire transaction. Pursuant to UCC 3-206 Official Comment 4, this indorsement has the following irrevocable legal effects:
1. The indorser explicitly disclaims all right, title, and interest in the instrument.
2. The indorser explicitly waives all liability on the instrument.
3. The indorser explicitly acknowledges they are acting solely as an agent for deposit, and not as principal.
4. The indorser permanently and irrevocably disqualifies themselves and any subsequent transferee from ever attaining status as Holder In Due Course.
No court has ever disputed this specific interpretation of UCC 3-206.
---
PHASE 3: THE DEPOSIT
The bank will then deposit your note into its general ledger as a Tier 1 asset. This is not a metaphor. This is an actual auditable accounting entry.
The exact double-entry bookkeeping transaction is:
Loans and Leases Receivable (Asset)
Debit $500,000
Customer Demand Deposits (Liability)
Credit $500,000
At the completion of this entry, the bank's balance sheet has grown by exactly $500,000.
No money was taken from any other account.
No money existed prior to this entry.
When the funds are disbursed to the title company at closing, the following entry is made:
Customer Demand Deposits (Liability)
Debit $500,000
Title Company Demand Deposits (Liability)
Credit $500,000
The net change to the bank's total balance sheet at the completion of closing is exactly zero.
---
PHASE 4: DESTRUCTION OF THE ORIGINAL
Upon completion of the closing, the original wet-ink note now has no further commercial or legal function.
Pursuant to FASB ASC 860-10-40-5, adopted in 2001, once a financial asset has been transferred and securitized as a participating interest, the original instrument is legally extinguished.
There is no longer any legal requirement to retain it.
The standard industry operating procedure is to shred the original wet-ink note within 90 days of closing.
Only an electronic image copy is retained.
This policy is explicitly confirmed in the Mortgage Bankers Association operations manual, and has been testified to under oath by bank representatives in hundreds of foreclosure cases.
---
PRIMARY SOURCE CITATIONS
• UCC 3-104, Official Comment 2
• UCC 3-206, Official Comment 4
This process is not a theory, allegation, or conspiracy.
It is the standardized, documented, audited operating procedure for all bank lending in the United States, unchanged since 1990.
It is defined in bank regulatory guidance, GAAP accounting standards, and the official comments to the Uniform Commercial Code.
It is NEVER disclosed to the public or to borrowers.
---
PHASE 1: EXECUTION OF THE NOTE
At the exact moment a wet-ink autograph is applied to the face of the instrument:
• Pursuant to UCC 3-104, the instrument becomes a negotiable instrument, and is therefore money per the legal definition used by all federal banking regulators.
• Pursuant to UCC 3-412 the maker is liable on the instrument to any holder in due course.
• Critically, at this exact moment, you are also the sole and absolute lawful holder in due course of your own note. There is no other owner. The fair market value of the instrument is exactly equal to its face value.
• OCC Interpretive Letter #827 (1998) explicitly confirms that for all bank regulatory, reserve, and accounting purposes, a promissory note signed by a natural person is identical to cash.
When you deliver the note to the bank, you are not delivering a promise to pay. You are delivering a cash equivalent asset worth exactly the amount you believe you are borrowing.
---
PHASE 2: THE INDORSEMENT
The bank will never sign the face of the note. If they did, they would become liable to you for the full face value pursuant to UCC 3-413.
Instead, they will make exactly one indorsement on the reverse, which will never be shown to you:
"Pay any bank, for deposit only, without recourse, all prior indorsements guaranteed"
This is the single most important sentence in the entire transaction. Pursuant to UCC 3-206 Official Comment 4, this indorsement has the following irrevocable legal effects:
1. The indorser explicitly disclaims all right, title, and interest in the instrument.
2. The indorser explicitly waives all liability on the instrument.
3. The indorser explicitly acknowledges they are acting solely as an agent for deposit, and not as principal.
4. The indorser permanently and irrevocably disqualifies themselves and any subsequent transferee from ever attaining status as Holder In Due Course.
No court has ever disputed this specific interpretation of UCC 3-206.
---
PHASE 3: THE DEPOSIT
The bank will then deposit your note into its general ledger as a Tier 1 asset. This is not a metaphor. This is an actual auditable accounting entry.
The exact double-entry bookkeeping transaction is:
Loans and Leases Receivable (Asset)
Debit $500,000
Customer Demand Deposits (Liability)
Credit $500,000
At the completion of this entry, the bank's balance sheet has grown by exactly $500,000.
No money was taken from any other account.
No money existed prior to this entry.
When the funds are disbursed to the title company at closing, the following entry is made:
Customer Demand Deposits (Liability)
Debit $500,000
Title Company Demand Deposits (Liability)
Credit $500,000
The net change to the bank's total balance sheet at the completion of closing is exactly zero.
---
PHASE 4: DESTRUCTION OF THE ORIGINAL
Upon completion of the closing, the original wet-ink note now has no further commercial or legal function.
Pursuant to FASB ASC 860-10-40-5, adopted in 2001, once a financial asset has been transferred and securitized as a participating interest, the original instrument is legally extinguished.
There is no longer any legal requirement to retain it.
The standard industry operating procedure is to shred the original wet-ink note within 90 days of closing.
Only an electronic image copy is retained.
This policy is explicitly confirmed in the Mortgage Bankers Association operations manual, and has been testified to under oath by bank representatives in hundreds of foreclosure cases.
---
PRIMARY SOURCE CITATIONS
• UCC 3-104, Official Comment 2
• UCC 3-206, Official Comment 4
• OCC Interpretive Letter #827, October 15 1998
• OCC Bulletin 2012-18
• FASB ASC 860-10-40-5
• Federal Reserve Operating Circular 3, Section 11.0
• Mortgage Bankers Association Loan Servicing
• Manual v7.2 Section 4.11
• OCC Bulletin 2012-18
• FASB ASC 860-10-40-5
• Federal Reserve Operating Circular 3, Section 11.0
• Mortgage Bankers Association Loan Servicing
• Manual v7.2 Section 4.11
Now is the time to get your red light therapy panel, Y pay ancillary healthcare providers an office visit and a charge when you can own your own at home
RED LIGHT THERAPY: Sleep better with BlockBlueLight and get a discount using Dr. Jane's code: https://www.blockbluelight.com/?ref=DRJANERUBY
RED LIGHT THERAPY: Sleep better with BlockBlueLight and get a discount using Dr. Jane's code: https://www.blockbluelight.com/?ref=DRJANERUBY
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“Arrest Fauci!!”
Remember, anybody jumping on the bandwagon screaming to “Arrest Fauci,” knows the statute of limitations is up and they’re part of the theater to keep the public placated.
Remember, anybody jumping on the bandwagon screaming to “Arrest Fauci,” knows the statute of limitations is up and they’re part of the theater to keep the public placated.
Passing along this incredible bundle for Father’s Day or any day, this is a great deal. Bundles are a good way for them to clear inventory and for us to get a deal
EARTHING/Grounding: Reduce inflammation, sleep better, recover faster:
https://www.earthing.com/?rfsn=6528853.01597ca
EARTHING/Grounding: Reduce inflammation, sleep better, recover faster:
https://www.earthing.com/?rfsn=6528853.01597ca
Every night after sundown I literally wear these glasses if I want to watch a little TV/movie. If I work with a device like my iPad or my phone, I put the color filter on red
This allows my brain to build melatonin for a good sleep and reduces blue light toxicity
Black Blue has a few hours left for their big sale.
RED LIGHT THERAPY: Sleep better with BlockBlueLight and get a discount using Dr. Jane's code: https://www.blockbluelight.com/?ref=DRJANERUBY
This allows my brain to build melatonin for a good sleep and reduces blue light toxicity
Black Blue has a few hours left for their big sale.
RED LIGHT THERAPY: Sleep better with BlockBlueLight and get a discount using Dr. Jane's code: https://www.blockbluelight.com/?ref=DRJANERUBY
Forwarded from Dr Jane Ruby
Hey everyone I wanted to bring this to your attention, as long as you’re gonna shop for things for your home, loved ones, family especially with the holidays coming up, please consider Mike Lindell’s website, he did so much in trying to expose the election fraud and then was kind of left on his own with all those legal bills.
Let’s remember a great Patriot who cared enough to put his own skin in the game.
So many great ideas for holiday gifts and you get a deep discount with my promo code
MyPillow Bedsheets, only $29.88. any color, any style, any SIZE-Even Kings. Regular $119.98. Only $29.88. Once they’re gone they’re gone for good!
AND for the first and only time, get their limited edition Premium MyPillows, made with Giza cotton and a designer gusset. Queens $17.98 Kings only $19.98.
So go to mypillow.com and use promo code RUBY , use your promo code for the best offers ever!
Let’s remember a great Patriot who cared enough to put his own skin in the game.
So many great ideas for holiday gifts and you get a deep discount with my promo code
MyPillow Bedsheets, only $29.88. any color, any style, any SIZE-Even Kings. Regular $119.98. Only $29.88. Once they’re gone they’re gone for good!
AND for the first and only time, get their limited edition Premium MyPillows, made with Giza cotton and a designer gusset. Queens $17.98 Kings only $19.98.
So go to mypillow.com and use promo code RUBY , use your promo code for the best offers ever!
Forwarded from Dr Jane Ruby
BUY AND HOLD YOUR OWN GOLD & SILVER - WHILE YOU CAN
NOT IN 401/IRA
Tell Bob You Are With Dr. Jane
BOB COLEMAN
President
(208) 468-3600
https://www.goldsilvervault.com
NOT IN 401/IRA
Tell Bob You Are With Dr. Jane
BOB COLEMAN
President
(208) 468-3600
https://www.goldsilvervault.com
Even if your sleep is already very good:
-Melatonin has important anti-inflammatory effects.
How to naturally increase it:
1. More sunlight ☀️
2. Less artificial light at night 🌙
3. Blue-blocking glasses 🕶️
-Melatonin has important anti-inflammatory effects.
How to naturally increase it:
1. More sunlight ☀️
2. Less artificial light at night 🌙
3. Blue-blocking glasses 🕶️
There is a restriction set up on private messaging me, this
Accomplishes two things
First it separates me from impostors, if an imposter contact you and pretends to be me, you will know 100% it is not me
And second, I don’t want to be accessible to scammers and what you don’t see is that I’m overwhelmed with it. Telegram doesn’t let me turn off that function completely, it only allows me to adjust accessibility. So now if a scammer wants to hit me up, they have to pay $500.
That was not intended for channel members but the band on being able to private message me is intended for everyone.
Anything you need to say, you can say publicly in the chat
Bottom line: please remember that most of my counterparts on these platforms don’t even have a chat channel, they do not interact with their audiences at all.
Accomplishes two things
First it separates me from impostors, if an imposter contact you and pretends to be me, you will know 100% it is not me
And second, I don’t want to be accessible to scammers and what you don’t see is that I’m overwhelmed with it. Telegram doesn’t let me turn off that function completely, it only allows me to adjust accessibility. So now if a scammer wants to hit me up, they have to pay $500.
That was not intended for channel members but the band on being able to private message me is intended for everyone.
Anything you need to say, you can say publicly in the chat
Bottom line: please remember that most of my counterparts on these platforms don’t even have a chat channel, they do not interact with their audiences at all.
The CLARITY Act
The SAVE AMERICA Act
The Big Beautiful Bill
The PREP Act
The PATRIOT Act
These are all laws the government sets up to enable the commission of crimes against The People.
The SAVE AMERICA Act
The Big Beautiful Bill
The PREP Act
The PATRIOT Act
These are all laws the government sets up to enable the commission of crimes against The People.
WARNING: The Current Peptide Weight Loss Glucagon Mania is DANGEROUS!
An acquaintance sent me this photo this morning, brawny guy, mid 50s, former military, a little paunchy, and his “health advisors” sold him THREE synthetic peptides
Retatrutide IS EXPERIMENTAL - it hasn’t even completed the shoddy FDA testing requirements to provide some evidence of safety and efficacy. It is a triple mechanism of action, like a 3X multiple of Ozempic type drugs
I had to catch my breath in shock, knowing what’s coming for this guy. I remind you these are SYNTHETIC, nothing like the endogenous peptides (hormones) that your body makes, regardless of what your guru told you.
The most profound thing I can say is you don’t want to mess with single hormones or a couple of isolated hormones, it will not end well because what you do to one or a few of them, you do to thousands of them. No one knows what the effects of these injections, after one shot, one month, one year
And I haven’t even gotten to the profound gastroparesis induced by these injections, which is essentially paralyzing the stomach and the natural peristalsis of the G.I. tract, commonly leading to torsions and life-threatening intestinal obstructions requiring emergency surgery. In addition to interfering with the hunger hormones grehlin and leptin, the other reason you’re not hungry, is because the natural movement of your G.I. tract has been shut down!
If you didn’t learn anything from the Covid event, you should have at least grasped that nothing good can be injected from this government/pharmaceutical unholy alliance
An acquaintance sent me this photo this morning, brawny guy, mid 50s, former military, a little paunchy, and his “health advisors” sold him THREE synthetic peptides
Retatrutide IS EXPERIMENTAL - it hasn’t even completed the shoddy FDA testing requirements to provide some evidence of safety and efficacy. It is a triple mechanism of action, like a 3X multiple of Ozempic type drugs
I had to catch my breath in shock, knowing what’s coming for this guy. I remind you these are SYNTHETIC, nothing like the endogenous peptides (hormones) that your body makes, regardless of what your guru told you.
The most profound thing I can say is you don’t want to mess with single hormones or a couple of isolated hormones, it will not end well because what you do to one or a few of them, you do to thousands of them. No one knows what the effects of these injections, after one shot, one month, one year
And I haven’t even gotten to the profound gastroparesis induced by these injections, which is essentially paralyzing the stomach and the natural peristalsis of the G.I. tract, commonly leading to torsions and life-threatening intestinal obstructions requiring emergency surgery. In addition to interfering with the hunger hormones grehlin and leptin, the other reason you’re not hungry, is because the natural movement of your G.I. tract has been shut down!
If you didn’t learn anything from the Covid event, you should have at least grasped that nothing good can be injected from this government/pharmaceutical unholy alliance
Retatrutide is EXPERIMENTAL
This means it has not even finished randomized, placebo controlled, double blind studies.
It’s not about the FDA, which has absolutely no credibility — it’s about incomplete basic trials that control for outside factors, and comparing it to a dummy placebo to illicit any underlying serious side effects.
And I don’t care about 1001 anecdotal stories. The public does not no what it does not know. The public does not understand how dangerous this is. All of a sudden people are trusting the same same pharmaceutical industry, the same MD Pharma prostitutes, pushing these SYNTHETIC hormones. These are lab created hormones.
This is my wheelhouse
I know the industry
I know the pharmacology of these materials.
And most importantly, I know advanced human physiology and how they all tie together.
This means it has not even finished randomized, placebo controlled, double blind studies.
It’s not about the FDA, which has absolutely no credibility — it’s about incomplete basic trials that control for outside factors, and comparing it to a dummy placebo to illicit any underlying serious side effects.
And I don’t care about 1001 anecdotal stories. The public does not no what it does not know. The public does not understand how dangerous this is. All of a sudden people are trusting the same same pharmaceutical industry, the same MD Pharma prostitutes, pushing these SYNTHETIC hormones. These are lab created hormones.
This is my wheelhouse
I know the industry
I know the pharmacology of these materials.
And most importantly, I know advanced human physiology and how they all tie together.
Retatrutide — CARDIAC ADVERSE EVENT SIGNAL
Remember that studies need to go through FOUR phases, consecutively, not simultaneously, because each phase’s results inform the design of the next. This is an inescapable fact in the drug development process.
Here is a pictorial of the 4 phases. Currently Retatrutide is in early Phase 3. You need all of the three first phases to flush out any side effects signals
Let’s take a closer look.
In Phase 2, heart arrhythmias hit up to 14% of the reta group compared to 3% on placebo.
And just for reference, anything that is more than 2% greater than placebo of which this is 7 times greater than placebo, IS A HUGE SERIOUS ADVERSE EVENT.
Lilly is running a dedicated cardiovascular trial now because they have to prove it is safe. YOU ARE INJECTING AN EXPERIMENTAL DRUG THAT EVEN THE MANUFACTURER DOES NOT YET KNOW THE EXTENT OF THE CARDIAC SIGNAL.
PS During the phase 3 trial, which has yet to be completed, a new safety signal emerged of burning and tingling in the extremities. Cause yet unknown.
Remember that studies need to go through FOUR phases, consecutively, not simultaneously, because each phase’s results inform the design of the next. This is an inescapable fact in the drug development process.
Here is a pictorial of the 4 phases. Currently Retatrutide is in early Phase 3. You need all of the three first phases to flush out any side effects signals
Let’s take a closer look.
In Phase 2, heart arrhythmias hit up to 14% of the reta group compared to 3% on placebo.
And just for reference, anything that is more than 2% greater than placebo of which this is 7 times greater than placebo, IS A HUGE SERIOUS ADVERSE EVENT.
Lilly is running a dedicated cardiovascular trial now because they have to prove it is safe. YOU ARE INJECTING AN EXPERIMENTAL DRUG THAT EVEN THE MANUFACTURER DOES NOT YET KNOW THE EXTENT OF THE CARDIAC SIGNAL.
PS During the phase 3 trial, which has yet to be completed, a new safety signal emerged of burning and tingling in the extremities. Cause yet unknown.