We know what’s coming and we are prepared.
BANKING HIGH ALERT
BE AWARE THAT ALL THE TERMS AND CONDITIONS FOR CREDIT AND DEBIT CARDS ARE CHANGING RAPIDLY NOW!!! READ EVERY EMAIL AND NOTICE MAILED TO YOU FROM YOUR BANK WORD FOR WORD AND DO NOT SKIP ANYTHING THINKING IT IS THE USUAL BILLING OR ADVERTISING THEY SEND ALL THE TIME.
THE BANKS ARE IN FACT NOW CHANGING ALL THE TERMS AND CONDITIONS OF EVERY CREDIT AND DEBIT CARD.
THE TREASURY AND ALL THE AGENCIES OF THE US GOVERNMENT ISSUING EBT CARDS ARE AFFECTED AS WELL SO READ EACH EMAIL OR LETTER YOU RECEIVE REGARDING YOUR EBT CARD CAREFULLY WORD FOR WORD AS WELL.
IF YOU NEED TO TAKE ACTION RELATED TO YOUR CARD OR CARDS DO IT IMMEDIATELY BEFORE THE CHANGES TAKE EFFECT.
THIS ALERT IS MUCH MORE THAN CREDIT CARDS WILL BE CUT OFF OR CREDIT LIMITS SCALED BACK BASED ON CREDIT SCORE AND AI PROGRAMS. IT IS ALSO ABOUT A TOTAL CHANGE IN THE TERMS OF YOUR CREDIT CARD AGREEMENT WHICH YOU HAVE WITH YOUR BANK, AS WELL AS HOW AND WHEN THE CHANGES WILL TAKE PLACE:
HERE IS WHAT YOU WILL FIND WHEN YOU ARE NOTIFIED SO READ ALL WORDS CAREFULLY IN ANY EMAILS OR LETTERS REGARDING YOUR CREDIT CARD, EVEN YOUR MONTHLY STATEMENT MAY CONTAIN CONTRACT CHANGES SO READ EVERY WORD OF EVERY COMMUNICATION FROM YOUR BANK:
1.1.THE TERMS OF PAYMENT WILL CHANGE AT THE WILL OF THE BANK.
1.2.THE AMOUNT OF INTEREST CHARGED AS WELL AS WHEN THE INTEREST WILL BEGIN BEING CHARGED WILL CHANGE BY THE BANKS CHOICE.
1.3.THE TERMS OF YOUR CREDIT LIMIT WILL CHANGE BASED ON FACTORS THE BANK WILL CHOOSE NOT YOU.
1.4.THE BANKS ARE ALSO SENDING IN THE NOTICES THAT IF YOU DO NOT AGREE WITH THEIR CHANGES IN THE TERMS OF SERVICE AND WISH TO CANCEL YOUR CARD, THAT A FULL AND COMPLETE PAYMENT OF THE REMAINING BALANCE OF YOUR CREDIT IS DUE AND PAYABLE IMMEDIATELY.THE BANKS ARE PREPARING TO SEND NOTICES TO PEOPLE REGARDING CHANGES IN THE TERMS OF SERVICE FOR DEBIT CARDS AND ATM USE:
1.1.YOUR DAILY LIMIT OF CASH AT ATMS.
1.2.YOUR TOTAL DAILY SPENDING LIMIT IN STORES.
IN ADDITION, THE TOP 12 BANKS IN THE USA SENT NOTICES TO THE CREDIT AND DEBIT CARD PROCESSING COMPANIES, THAT AS OF MIDNIGHT DECEMBER 14, EASTERN USA TIME, THEIR SERVICES FOR PROCESSING CREDIT AND DEBIT CARDS AROUND THE COUNTRY TO MERCHANTS AND ATM MACHINES WERE NO LONGER NEEDED.
2.1.THIS NOTIFICATION BY THE 12 LARGEST BANKS IN THE USA COINCIDES WITH DEC 15TH 2023, 149 TRILLION DERIVATIVE BOND PROBLEM CENTERED IN EUROPE, BUT AFFECTS ALL LARGE BANKS AROUND THE WORLD ESPECIALLY THE BANKS IN EUROPE AND THE USA.
2.2.MAKE NO MISTAKE, THERE ARE MASSIVE BANKING CHANGES COMING TO THE USA AND NOTHING IN BANKING WILL EVER RETURN TO THE “NORMAL” YOU ARE USED TO HAVING AS SERVICE AND SUPPORT FROM YOUR BANK.
ON DECEMBER 23, 2023 THE USA BY LAW HAS TO PAY ALL INTEREST DUE ON ANY AND ALL US GOVERNMENT BONDS TO THE CREDITORS WHICH HAS BEEN OVERDUE SINCE NOVEMBER 23, 2023, OR THE US GOVERNMENT ENTERS THE FULL DEFAULT CONDITIONS DEFINED IN EACH AND EVERY GOVERNMENT BOND ISSUED BY THE US GOVERNMENT. THIS PAYMENT OR LACK OF PAYMENT WILL DIRECTLY AFFECT EVERY AMERICAN.
🇺🇸 #Oklahoma high school principal (Kirk Moore) seen charging at and disarming a school shooter.
The suspect, identified as 20-year-old Victor Hawkins, was a former student who said he wanted to shoot up the school “like the Columbine shooters did.” While taking down the shooter, Moore was shot in the leg. He is expected to recover.
When the Principal woke up that day, he never thought he would be tackling a gunman.
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🇨🇳🛢 How much strategic oil does the world actually have in reserve?
Global strategic crude oil inventories stood at ~2.5 BILLION barrels as of December 2025, according to the US Energy Information Administration.
China holds by far the largest stockpile at 1,397 million barrels, more than 3 times the US Strategic Petroleum Reserve of 413 million barrels, which itself sits at only 58% of its full storage capacity of 714 million barrels.
China added an average of 1.1 million barrels per day to its strategic inventories throughout 2025, with preliminary data suggesting it continued building stockpiles in early 2026 ahead of the Iran War.
Japan holds the 3rd-largest reserve at 263 million barrels, followed by OECD European countries at 179 million barrels.
Meanwhile, the US is releasing 172 million barrels from its Strategic Petroleum Reserve to suppress oil prices, part of a broader 400 million barrel coordinated release agreed by 32 IEA member nations in March.
🔗 ...
🛢 JP Morgan Warns Oil Market Out of Balance, Prices Must Rise
🔸The closure of the Strait of Hormuz, through which roughly 20% of the world’s oil flows, has removed 13.7 million barrels per day from global supply in April alone. A JP Morgan research note warns the market has no good way to replace it.
🔸Normally, spare production capacity in Saudi Arabia and the UAE acts as the market’s shock absorber. But that buffer has effectively been removed, eliminating the system’s first line of defense.
🔸With spare capacity unavailable, markets turned to inventories
➤ Global stockpiles are now being drained at ~7.1 mbd in April, an extraordinary pace, according to the note.
🔸Meanwhile, demand is collapsing because supply simply isn’t reaching users — “forced demand destruction.”The hardest hit sectors include:
▪️ Petrochemical plants across Asia are shutting down or slashing output as LPG, ethane, and naphtha flows from the Gulf collapse
▪️ Airline jet fuel ...
🛢⛽️ Global oil inventories are heading toward RECORD LOWS:
Global visible oil inventories have fallen -255 million barrels since the start of the conflict on February 27, to 7,864 million barrels.
Total estimated oil draws, including non-OECD refined products storage, have accelerated to 10.9 million barrels per day in April, the largest monthly draws on record since 2017.
Cumulative estimated draws since the start of the war now stand at 474 million barrels, with Hormuz flows holding at ~10% of normal, or 2.0 million barrels per day.
Meanwhile, even in an optimistic scenario where Strait of Hormuz flows begin recovering by late April, it is unlikely to prevent global visible inventories from reaching all-time lows, according to Goldman Sachs.
As inventories keep falling, physical oil markets are likely to require sharply higher prices for immediate delivery, since buyers cannot wait months for cheaper futures delivery when stocks are running critically low.
Goldman also warns...
