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Is A Financial Crisis Coming To Canada?

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“The pending credit cycle in Canada will be one for the ages.”

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– Marc Cohodes, May 3rd, 2017

Lately, the word “bubble” has been used more often to describe the overheated housing markets in Canadian cities like Toronto and Vancouver. Even Bank of Montreal’s Chief Economist didn’t hold back when he wrote in a report, “Let’s drop the pretense. The Toronto housing market — and the many cities surrounding it — are in a housing bubble”(1).

In March, house prices in Toronto rose a record 33.2% year-over-year and the city was ranked number 1 in the world with the fastest-growing house prices; Vancouver came in third on the list after Sydney, Australia (2).  It’s getting to be such a problem that Ontario’s premier has met with the mayors of Toronto and surrounding areas to discuss housing affordability, while the Prime Minister has admitted that the federal government is monitoring the housing market closely.

But what might have been the clearest sign yet that the housing market is in a bubble was the 2017 Real Estate Expo in Toronto where real estate agencies, developers, and banks paid celebrities like Tony Robins and Pitbull to encourage people to join in on the real estate buying frenzy. Real Estate agents on a stage told prospective buyers things like: “Toronto has become one of the last safe havens in the world,” “Fear will kill you,” and, “Just jump in!” (3)

Clearly, this message is getting around as statistics show an increasing portion of the population owning more than one residential home. This housing bubble, like all other financial bubbles, is the consequence of historically low interest rates, which is the beginning phase of a credit cycle that inflates the bubble. But eventually interest rates rise, and when they do the bubble pops, the cycle reverses, and prices fall.

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The question is, what happens when the cycle turns? If we take a close look at the situation in Canada, we can see instability across the board whether it’s in the economy, in the banking system, or in government finances, and due to this instability, we can reasonably assume that when this cycle turns, it will be pretty ugly for Canadians.

Home Capital Group

Home Capital Group is Canada’s largest non-bank mortgage lender focused primarily on the subprime market — mortgage applicants rejected by the banks — through its subsidiary Home Trust Company. On April 26th, the stock of Home Capital plunged 65% when news came out that the company secured an emergency loan worth C$2 billion to provide liquidity for the company after an overwhelming number of depositors withdrew their money from the high interest savings accounts Home Trust offers — money Home Capital uses to provide mortgages at a higher interest rate, profiting from the spread.

From April 24th to May 1st, Home Capital saw its deposits shrink from C$1.4 billion to C$391 million (4). The problems for Home Capital began back in 2014 when the company cut ties with 45 brokers who were creating mortgages with fraudulent income information that amounted to 10% of Home Trust’s total mortgage originations. Fast forward three years and the Ontario Securities Commission has now submitted formal allegations against the company and the three former and current executives, alleging they knowingly misled investors when discussing the impact of the fraudulent mortgages.

Meanwhile, Home Capital has seen their CFO retire, its Chief Risk Officier leave unannounced, several board members resign, its founder Gerald Soloway step down as CEO and remove himself from the board, his replacement CEO fired, and a total of 33 employees leave in 2016 alone. Representing only 1% of the total mortgage market, it’s too early to know whether Home Capital’s problems will spread, but already investors are losing what matters most in a highly leveraged business: confidence.

On April 26th, the day Home Capital lost 65% of its value, Equitable Group, First National Financial, and Street Capital Group saw their stocks fall 32%, 11%, and 10%, respectively. In the week proceeding, Equitable Group, a mortgage lender that mirrors Home Capital, saw C$75 million worth of deposits withdrawn as their stock fell 39% (5). Canada’s finance minister Bill Morneau has said there is no link between Home Capital and risks in the housing market and Bank of Canada governor Stephen Poloz has said that Home Capital’s problems are “idiosyncratic,” believing they won’t trigger a contagion effect.

Are these statements akin to when the chairman of the United States’ central bank, Ben Bernanke, said in 2007 that “the problems in the subprime market seems likely to be contained”(6)? Already we’ve seen actions being taken to safeguard contagion from spreading. The C$2 billion emergency loan that kept the lights on at Home Capital was provided by the Health Care of Ontario Pension Plan with very stringent terms. The loans have an effective interest rate of 22.5% and are secured against two pools of mortgages from Home Capital’s loan book.

In pool A, Home Capital can borrow C$0.50 of every dollar pledged and in pool B C$0.26 for every dollar pledged. These terms tell us what the HOOPP thinks about the quality of these mortgages being put up for collateral and of Home Capital’s ability to repay the loan. Meanwhile, as investors were dumping Home Capital’s stock en masse, two asset managing companies provided a floor for the stock. CIBC Asset Management increased its position from 2.46 million shares to 9.69 million, while Turtle Creek Asset Management, Home Capital’s biggest investor, was also a buyer (7). It is important to note that these two asset managers were not investing their own money, but were making “investments” on behalf of other people.

Home Capital has also raised money by selling C$1.5 billion in mortgage renewals to MCAP Corp., one of Canada’s largest independent mortgage financing companies that originates, securitizes, trades and services residential and commercial mortgages (8). Equitable Group, Home Capital’s mirror image who suffered its own bout of eroding investor confidence, has been given a C$2 billion funding backstop by a syndicate made up of the 6 major Canadian banks to provide support in case the lender should need it (9). All in all, the fear of contagion is clearly evident and the question that needs to be answered is whether the fraudulent mortgages in Home Capital loan book are limited to 10% or is it a much higher number? And, how many of these mortgages are insured by the Canadian taxpayer through the CMHC?

CMHC

The Canadian Mortgage and Housing Corporation is a government institution that has been a leading contributor to the inflating of the Canadian housing bubble. The institution is the largest provider of mortgage-insurance for homeowners unable to make a 20% down-payment, protecting lenders from default thus enabling them to make more risky loans.

The CMHC is similar to America’s Fannie Mae and Freddie Mac, two government institutions that were largely responsible for the collapse of the U.S. housing market. Like Fannie Mae and Freddie Mac, CMHC also buys and sells mortgage-backed securities, mortgages that are pooled together into a bond that became the popular financial instrument that sank the global financial system in 2008. The CMHC buying mortgages leads to more lenient lending standards as banks know they can make loans that they can later sell to the CMHC and not have to keep on their books.

All of this is backed by the Canadian government and thus the Canadian taxpayer. What’s really egregious about the CMHC is that while they provide banks with full insurance against losses, it’s the homeowner who pays the insurance premium and that taxpayer who pays the deductible, the banks pay nothing. Currently, the CMHC has about 9% equity against its liabilities outstanding (10). If there is a housing correction, the CMHC would need a taxpayer bailout of epic proportions.

Banks

It wasn’t too long ago that the Canadian banking system was considered the darling of the financial world. Back in 2008, a survey by the World Economic Forum listed Canada’s banking system as the world’s safest (11), a title also given to the country by the rating agency Moody’s in 2012 (12). But today the sentiment is much different as Moody’s has recently cut the credit rating of the 6 Canadian chartered-banks stating: “Continued growth in Canadian consumer debt and elevated housing prices leaves consumers, and Canadian banks, more vulnerable to downside risks facing the Canadian economy than in the past(13).

In March, the Bank of International Settlements (the Central Banks’ Central Bank) listed Canada as having the riskiest banking system of developed countries based on credit-to-GDP gap, property price gap, debt service ratio, and debt service ratio if interest rates rise (14). Residential mortgages make up about 52% of all Canadian bank loans so suffice it to say, the banking system is very vulnerable to a downturn in the housing market (15).

What makes matters worse are the leverage ratios of the Canadian banks. The leverage ratio is a capital adequacy figure that measures a bank’s ability to withstand negative shocks to its balance sheet. In a balance sheet, the difference between a company’s assets and liabilities is its equity so that if a company sells off its assets to pay its liabilities, the equity left over is returned to the owners. If a bank has $100 in assets and $90 in debt, then $10 is the difference and represents 10% equity or capital. The problem with assets is they can fall in value. If the capital ratio is at 10%, then that means assets can fall in value up to 10% before the bank is unable to pay its creditors. The leverage ratio is an international regulatory banking standard set up by the Basel Committee on Banking Supervision. The leverage ratio measures the core capital of a bank against its total assets.

As per their 2016 annual reports, the major Canadian banks leverage ratios are: RBC – 4.4%, TD – 4%, BMO – 4.2%, Scotia – 4.4%, CIBC – 4%, National Bank – 3.7% (16)(17)(18)(19)(20)(21). If the value of the assets of these banks fall in percentage more than these figures, then the banks become insolvent. And of course, in the banking industry, loans are considered assets and as stated earlier, 52% of the banks’ loan book is made up of residential mortgages. Compounding the situation is the report from credit agency Equifax that says they saw a 52% increase in suspicious mortgages between 2013 and 2016 (22).

This leads one to ask was Home Capital the only lender to partake in mortgage fraud? How secure are the uninsured mortgages on the banks’ loan book and what happens if these people lose their jobs and are unable to make mortgage payments? A recent survey suggests that over half of Canadians are $200 away from not being able to meet their financial obligations (23).

Canada’s Dependence on Housing

Since the decline of energy prices, Canada’s economy has become more reliant on the housing industry. In fact, without the growth in housing, Canada’s economy would be contracting. It is estimated that housing makes up 20% of Canada’s GDP with industries like real estate, construction, and financial services.

The number is significantly higher when you consider the indirect impact of a booming housing market. Lawyer fees, government revenues, and increased retail purchases due to the wealth effect of rising home equity values enabling households to spend more (24). Consumer spending as a share of GDP is around the highest since the 1960s (25).

Debt-to-disposable income was at a record high 167% in March (26), and while this ratio has little impact day-to-day as Canadians aren’t expected to pay off their debts tomorrow, it does highlight the vulnerability of Canadians to economic shocks. Another indicator, the debt-to-service ratio, which is the cost to carry debt relative to income, is at 14% and has remained there since 2008, but that’s because interest rates have been at historic lows since 2008. What happens if interest rates rise? A survey by Manulife Bank found that out of 2,098 people polled, 72% said they would have difficulty paying their mortgage if their payments rose by 10%. An increase of 10% in mortgage payments could take as little as a single percentage point increase in interest rates (27).

HELOCs = Home Equity Loans of Canadians

Government Debt

Moving on to the problems in the public sector, we’ve already seen the harm government can do with the CMHC distorting the housing market by guaranteeing mortgages and mortgage-backed securities, and blame should also be put on the central bank’s historic interest rate policy. But looking specifically at government finances, the debt held by provincial governments is alarming. Ontario has the largest debt held by any sub-sovereign in the world at over C$300 billion.

Quebec is at over C$180 billion in debt. Other provinces are currently running deficits with no end in sight. At the federal level, debt isn’t too bad at just over C$700 billion when you compare it to America’s $20 trillion, but that could change by the time the Trudeau administration is voted out of office. It is estimated that Canada could run deficits until 2050 (28) with the policies enacted by Prime Minister Trudeau and he’s on pace to break the all-time record for federal government spending per Canadian despite Canada not being in a recession or at war (29).

Excessive debt is future consumption denied while higher taxation ensured, both outcomes are destructive to an economy, as more of the country’s capital and resources are directed towards paying the interest on the debt rather than being used in the real economy. Moreover, as a country becomes addicted to government spending, it becomes more reliant on it and thus harder to cut. If the government is forced to cut spending, it will have negative ramifications throughout the country for many Canadians dependent on it.

Gold

A development that was largely ignored by the corporate media, but should concern Canadians, is that the Canadian government has almost no gold left in its reserves (30). Unlike America, Germany, Russia and China, countries with vast gold reserves, practically all of Canada’s reserves are pieces of paper. This is foolish and short-sighted as gold has proved to be the ultimate form of money that will retain its value during a crisis, while paper assets can easily evaporate in value during a crisis of confidence and a deterioration in confidence is exactly what could ignite a financial crisis in Canada.

The Loonie

The Canadian loonie has been under pressure in the wake of the Home Capital debacle, dipping below 0.73 to the U.S. dollar. In 5 years, the loonie has gone from being at par with the U.S. dollar to falling under 0.70 at the end of 2015, when oil prices were at its lowest. This weakness in the loonie creates price inflation for Canadians as prices are a reflection of the value of money. I believe this 0.70 mark is an important psychological level for the Bank of Canada because when the loonie falls below this level people start to feel it more at the grocery store and financial commentators start to make noise about it.

The bank has two means of supporting the loonie: raising interest rates or using their reserves to buy it in the currency markets. If we explore scenario one it’s not a pretty picture. The current rate at the Bank of Canada is 0.5% and people have been calling for them to begin raising it for a while, especially now that the U.S. central bank has begun raising its rates putting further pressure on the loonie/dollar exchange. A rise in interest rates will in all likelihood pop the housing bubble as debt becomes more expensive, decreasing demand for mortgages.

When house prices fall, reflecting the decrease in demand, that’s when delinquency rates rise as homeowners, especially in the subprime market, go underwater as their mortgages become more expensive than the value of the home. As delinquencies rise, houses are foreclosed and put on the market increasing supply, putting more downward pressure on prices. The CMHC (taxpayer) then needs to cover all the mortgages and securities it insured, while at the same time the value of their assets are falling. With only 9% equity, the CMHC would need a massive government bailout. If the banks’ assets fall below their leverage ratios, then they too become insolvent, needing either a bail-in or bailout. At this point, a full-blown crisis emerges, leading to further erosion of confidence in Canada and the loonie. Rising inflation is countered with higher interest rates, and the higher cost of debt cripples the economy as highly indebted individuals, businesses and governments all have to cut back on their spending leading to higher unemployment.

It’s clear why the Bank of Canada has been so reluctant to raise interest rates. Scenario two, using reserves to prop up the loonie, will likely be futile as the market is more powerful than governments. It may work at the beginning and buy time, but as the Bank of Canada bleeds through its reserves, this in itself will erode confidence leaving them in the same position they found themselves in at the beginning, only this time without any bullets left in the barrel. A third scenario is to just let the loonie crater and let price inflation run rampant. This might be feasible to start, but as consumer prices explode Canadians will be squeezed as their cost of living outpaces their income leading to lower living standards and social unrest.

Final Remarks

Using the 2008 financial crisis in America as a model, it wasn’t until September 2008 when the government nationalized Fannie Mae and Freddie Mac – which backed $6.2 trillion worth of mortgages – making it clear to everyone that a major crisis was unfolding, but there were many signs leading up to that moment that indicated something bad was brewing in the housing market, including in April 2007 when America’s largest subprime lender, New Century Financial, declared bankruptcy.

In Canada, already the Toronto developer Urbancorp has filed for bankruptcy and Home Capital would have done the same if not for the rescue loan and it’s still highly probable that Home Capital will file for bankruptcy in the weeks or months to come. Are we in the early innings of a financial crisis in Canada? What will happen to the loonie if the markets and its speculators lose confidence in Canada? And how will the Bank of Canada respond to a falling loonie? So far in 2017, the loonie has been the worst-performing major currency in the world. I’m not predicting that a major storm is a certainty, but there’s no denying that there are dark clouds forming above Canada.

Help Support Collective Evolution

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Congress Told Publicly They Don’t Have Security Clearance To See Hillary Clinton’s Emails

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In Brief

  • The Facts:

    It has been acknowledged in public hearings that there is a secret power that acts as a shadow government within the intelligence community that is able to withhold classified information from Congress in blatant defiance of the Constitution.

  • Reflect On:

    Is the dam about to burst on the shadow government in America? Is it the work of truth-seekers in the awakening community that is really pushing this out into the open?

It there are readers out there who have any remaining doubts about whether there is a shadow government in the United States that has long usurped and exercised power not authorized by the Constitution, this article will hopefully put those doubts to rest. Furthermore, while this shadow government has arranged for itself the highest levels of self-protection and secrecy possible, the truth of its existence and motives has trickled out slowly over the past couple decades. In recent times, a huge increase in the number and volume of leaks suggests that the dam may be ready to burst.

Given the fact that the ‘Hillary Clinton email scandal’ has not gone away and it appears that investigations into it will resume, a look at how prior investigations into the scandal were obfuscated will provide us with a window into the mechanism by which this shadow government operates. Prior to the 2016 election, it was discovered that Hillary Clinton had used a private, non-secured server to store emails that contained sensitive, classified information. By July 2016, at a Public Hearing of the Oversight and Government Reform Committee into the matter (video below), it had already been determined that Hillary Clinton had ‘allowed somebody without a security clearance in a non-protected format to see’ the emails.

The Exposure Of Unconstitutional Authority

The Constitution of the United States of America grants the highest powers in the nation to the President and to Congress, as the elected representatives of the people. There are checks and balances in place to make sure that power is not being abused, one of which was brought forth in the 2010 Intelligence Authorization Act, which established the ‘Office of the Inspector General of the Intelligence Community’:

In accordance with Title 50 U.S.C.A. Section 3033, the Inspector General of the Intelligence Community (ICIG) conducts independent and objective audits, investigations, inspections, and reviews to promote economy, efficiency, effectiveness, and integration across the Intelligence Community. The ICIG does so with integrity, professionalism, and independence. We conduct our mission free of external influence and provide objective assessments, findings, and conclusions, regardless of political or personal consequence.

In the discussion below, House Representative Jason Chaffetz asks Charles McCullough, the Inspector General of the Intelligence Community, to provide his committee with Hillary Clinton’s classified emails in order for this committee of Congress, the highest authority in the nation, to properly do their job of oversight.

Chaffetz: “Can you provided this committee, in a secure format, the classified emails?”

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McCullough: “I can to a certain extent. I cannot provide a certain segment of them because the agency… uhhh… that owns the information for those emails has limited the distribution on those, so… They’re uh… characterizing them as ORCON.”

Chaffetz: “Explain what ORCON is.”

McCullough: “Originator Control.” “…uh, so I can’t… I can’t give them to even Congress without getting the agency’s permission to provide them…”

Chaffetz: “Which agency?”

McCullough: “I can’t say that here in an open hearing, sir.”

Chaffetz: “So you can’t even tell me which agency won’t allow us as members of Congress to see something that Hillary Clinton allowed somebody without a security clearance in a non-protected format to see, that’s correct?”

Originator Control?

In this exchange, it is made clear by McCullough that Congress does not have authority over a certain government intelligence agency that the Inspector General dares not even name. This government agency claims ‘ownership’ of this classified information based on the concept of ‘Originator Control,’ which basically means that the agency has the power to limit and prevent  such information to be seen by the very bodies–the Inspector General and Congress–that are supposedly empowered to provide oversight of all their activities.

Please note that this is not a matter of ‘National Security,’ as it is a simple enough matter to make members of Congress aware of the need to keep information secret and have them ‘read in’ as it were. This was actually done with members of the ICIG staff, just so they could see the portion of those emails that the unnamed intelligence agency was actually willing to release.

However, the ‘elephant in the room’ at the hearing, made obvious by Rep. Jaffetz’ reaction to the answers he was hearing, is that this intelligence agency and the broader conspiracy of powers behind it have usurped Constitutional authority from Congress and have established the power to conceal information of their choosing from any oversight. In this particular case, it should be obvious that the only reason that this information is not being released to Congress is to protect Hillary Clinton from prosecution, since she is a well-entrenched member of this power and was set to do their bidding had she been elected President.

Clinton Allies Threaten The Inspector General

In the video below taken over a year later, we see what happens to someone like McCullough, who was simply trying to do his job of alerting Congress to the danger and violations involved in Hillary Clinton putting classified information on an unsecured server. Due to his resistance to the rhetoric of the Obama government, who tried to minimize the danger posed by Clinton’s actions, he was marginalized and even threatened:

Voiceover: As Election Day approached, McCullough says the threats went further, singling him out and another senior government email investigator.

Interviewer: You were given a warning?

McCullough: I was told that we would be the first two to be fired, with her administration, that that was definitely going to happen.

Interviewer: Is that how it’s supposed to be?

McCullough: No, I was in this context a whistleblower, I was explaining to Congress, I was doing exactly what they had expected me to do, and all of a sudden I was the enemy.

Voiceover: More than 2100 classified emails passed through Clinton’s personal server, and to this day, no one is accountable.

Interviewer: If you had done this, what would have happened to you?

McCullough: I’d be sitting in Leavenworth right now.

The second half of the video below has Tucker Carlson talking with former Clinton Campaign Advisor Richard Goodstein about the matter, and I believe it is illustrative of the type of public relations tactics that have been used by the Clinton campaign as an attempt to avert criminal charges: minimize claims, challenge even the most basic and obvious truths, flat out avoid answering questions, and change the subject to demonize Donald Trump.

The Takeaway

The layers of secret power within the shadow government, as McCullough suggests, have so far been able to prevent the prosecution of Hillary Clinton and her associates for this patently obvious criminal behavior. In fact, government committees who have the legal authority to investigate the matter appear to have neither the real power nor the ‘clearance’ to see the evidence they need to do their jobs.

The good news is, the veils of darkness and secrecy this shadow government has long been hiding under are lifting, and the growing awareness within the awakening community about the existence and nature of this ‘dark’ power will eventually lead to our emancipation from it the more we take our power away from it.

You can check out our CE protocol to dive into why understanding a bigger picture perspective of current events is key to changing our world.

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5G Is The “Stupidest Idea In The History of The World”- Washington State Biochemistry/Medical Science Prof

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In Brief

  • The Facts:

    Martin L. Pall, PhD and Professor Emeritus of Biochemistry and Basic Medical Sciences at Washington State University outlines in a new report the many health risks associated with 5G technology and wireless radiation in general.

  • Reflect On:

    5G is gaining attention, and it might make us a little fearful of the effects, but we must observe this fear and bring things back to awareness of the issue so we can make better choices, but not be fearful. Check out our CE Protocol for this.

We are in the midst of a 5G wireless technology rollout, and politicians have yet to address safety concerns. I recently used Canadian Prime Minister Justin Trudeau as an example, but it’s happening worldwide. It’s one of many examples that illustrates how large corporations completely control politics. I also recently wrote about Robert F. Kennedy explaining how this came to be, and how they’ve been able to completely compromise government, big media, and our federal regulatory agencies that are supposed to be protecting and informing us.

In the video, he uses Big Pharma as an example, as they provide the most money to congress; even more so than big oil and gas. In that article I also outline multiple examples of fraud so readers can get a clearer picture of what’s going on and see some actual evidence of it.

It’s clear that we are not being protected, and politicians are simply abiding to the the will of their masters, the big corporations, who in turn act as slaves to their ‘financial overlords,’ the big banks. We continue to see products and services being approved and implemented without ever going through any safety testing. This is a big problem, and one of the main reasons why we could be seeing a drastic rise in multiple diseases and ailments, especially when it comes to neuropsychiatric disorders.  A study titled “Microwave frequency electromagnetic fields (EMFs) produce widespread neuropsychiatric effects including depression” published in the Journal of Chemical Neuroanatomy outlines this quite clearly, and it’s only one of thousands of peer-reviewed studies raising multiple concerns in regards to this type of technology.

Is there really any concern for the well being of humanity within these institutions? If not, why do we continue to support them? Is it because we’re under the illusion that there is actual concern? And why do we continue to take power away from ourselves by electing corrupt politicians?

Anyways, in this article, I’d like to draw your attention to Dr. Martin L. Pall, PhD and Professor Emeritus of Biochemistry and Basic Medical Sciences at Washington State University. Taken from his report titled “5G: Great risk for EU, U.S. and International Health! Compelling Evidence for Eight Distinct Types of Great Harm Caused by Electromagnetic Field(EMF) Exposures and the Mechanism that Causes Them,” he states that:

“Putting in tens of millions of 5G antennae without a single biological test of safety has got to be about the stupidest idea anyone has had in the history of the world.”

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That report goes through a lot of science, which only adds to all of the science that’s already available regarding the harmful effects of 5G technology. If you’re looking for more information, I often point people toward the Environmental Health Trust because it’s a great resource that gives you access to more science.

This is not new information. For years, numerous studies have been published proving the health concerns regarding 5G technology and hundreds of scientists have petitioned the United Nations about them. These initiatives started as a result of the work done by Dr. Marin Blank from Columbia University’s Department of Physiology and Cellular Biophysics.

According to him, with regards to wireless radiation in general:

“We have created something that is harming us, and it is getting out of control. Before Edison’s light bulb there was very little electromagnetic radiation in our environment. The levels today are very many times higher than natural background levels, and are growing rapidly because of all the new devices that emit this radiation. Putting it bluntly they are damaging the living cells in our bodies and killing many of us prematurely.”

Again, it’s unbelievable that these technologies are being rolled out without any safety testing done. How is this even allowed to happen? The thing is, if there was safety testing done, there would likely be no changes made anyways, and these corporations would be allowed to rollout and utilize these technologies.

Seeing how this article is about the work of Dr. Pall, below is a lecture that goes into detail about his research and why we should be concerned with 5G technology.

It’s alarming that some people have been made to believe that this is “pseudoscience.” Not only is this surprising, but it’s also very concerning.

During the “Health in Buildings Roundtable” sponsored by the NIH and co-organized by the US CDC and several other organizations, Dr. Martin Pall from Washington State University (WSU) concluded that the “5G rollout is absolutely insane.” In this short presentation, Dr. Pall confirmed that the current 2G/3G/4G radiation the population is exposed to has been scientifically linked to: lowered fertility, insomnia, fatigue, depression, anxiety, major changes in brain structure in animals, cellular DNA damage, oxidative stress, hormonal disruption, cancer, and much more. Dr. Pall briefly explained the mechanisms of how the electro-smog emitted by our cell phones, wifi routers, cell phone antennas, and other wireless technologies affect human cells.

Related CE Articles & What You Can Do. We Don’t Have To Be Afraid

We’ve written about this topic in depth, and below are some recent articles we’ve published that go into more detail if you’re looking for more information.

On a side note, a lot of this information can spark a fearful reaction, and that’s normal. It could elicit the same fearful reaction you may have to other humanitarian issues including the massive amounts of pesticides being sprayed in our environment and on our food, the rising deforestation rates, and several other aspects of the human experience that need to be changed. As important as it is to not react with fear and panic, it’s even more important not to completely ignore these things and think everything will magically be okay.

Earth has become engulfed with this mess as a result of our ignorance, as a result of us ignoring important scientific findings such as these. If we continue along this path, disease rates will continue to rise. Awareness is key, and simply being informed about this issue is a huge step in the right direction.

So, what can you do? You could purchase some EMF protective clothing and bedding, or you could even paint your home with EMF protective paint. You can unplug your computer when not in use, turn off your cell phone, and unplug all your electronic devices before you go to sleep. You could have a wired internet connection, which is actually much faster than any wireless connection. You can live a healthy lifestyle, and you can use mind-body healing techniques to help you.

I write a lot about parapsychology, and it’s quite clear that our minds can have a significant impact on our biology. I know it sounds a little ‘new agey,’ but the truth is, if you don’t believe you are being harmed, odds are that the impact on your biology will be significantly different than someone who is fearful and stressed out about health concerns. Consciousness is huge, and it is one of the biggest factors in regards to preventative measures.

You can learn more about this balance through our CE Protocol.

Related Articles:

Canadian Prime Minister Justin Trudeau Completely Ignores Serious 5G Health Hazards

5G: “The Most Censored Story of 2018” – Journalist Masterfully Educates Houston City Council

Veteran MD Drops Bombshell At Michigan’s 5G Small Cell Tower Legislation Hearing

UN Staff Member & Whistleblower: “5G Is A Global Health Catastrophe”

Multiple Countries Ban Wifi & Cell Phones Around Schools, Young Children & Fetuses

Watch: Firefighters Report Neurological Damage After Cell Tower Installation Near Their Station

Help Support Collective Evolution

The demand for Collective Evolution's content is bigger than ever, except ad agencies and social media keep cutting our revenues. This is making it hard for us to continue.

In order to stay truly independent, we need your help. We are not going to put up paywalls on this website, as we want to get our info out far and wide. For as little as $3 a month, you can help keep CE alive!

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Thanks To Yao Ming, The Slaughter Of Sharks For Their Fins Is Down 80%

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In Brief

  • The Facts:

    Thanks to the efforts of Yao Ming, the destructive history of shark fin soup is on the decline and so is the ivory trade in China.

  • Reflect On:

    What is your relationship like with plant and animal life? Do you view it as below you? As there simply to fulfill what you want?

The support for a shark fin soup ban has skyrocketed in China thanks to NBA Hall of Famer and GOAT of Chinese basketball, Yao Ming.

Back in 2011, Ming became the face of an awareness campaign on shark fin consumption that has been effective in raising awareness about an issue many thought was untouchable within Chinese tradition and cuisine. As a result of this campaign, most recent government surveys have shown that shark fin consumption in China has fallen by up to 80%!

Shark fin soup is considered a Chinese delicacy and has a deep history in traditional weddings, banquets and prestigious events. The soup, although considered a luxury item, has slight flavors and isn’t all that unique. Given the amount of suffering and death that goes into creating the soup, you’d imagine there would be something more to it other than light flavors and texture. Then again, our treatment of animals on this planet for even the slightest human benefit has been shocking for decades.

As many as 73 million sharks end up in the global shark fin trade every year according to Oceana.org. In many cases, when sharks are caught, their fins are removed and then they’re thrown back into the ocean to die as they’re unable to swim.

In 2006, as many as 75% of Chinese citizens were unaware that shark fins were actually used in shark fin soup. After awareness increased due to campaigns like the one Yao Ming participated in, public education has shifted the perception on shark fin soup.

Shark fin consumption in China has fallen by up to 80% in the last 10 years. And it just so happens that Yao Ming’s activism on the issue has been going for the exact same amount of time.

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Ming Moved Onto China’s Ivory Trade Next… And Won

With Ming being China’s most powerful celebrity for 5 consecutive years between 2004 and 2009, you can imagine that, in a country of over a billion people, that truly says something in terms of public power. Ming was moved to take on China’s ivory trade and once again used his image and platform to raise awareness about elephant poaching. He teamed up with WildAid to eventually find success in making it illegal to buy Ivory in China.

Chinese state media Xinhua described the run-up to the ban as “one of the largest ever public awareness campaigns” with support from other celebrities such as actress Li Bingbing.

“We all know that there is ‘on paper,’ and under the paper, there’s still a long way to go to save the animals — and then save ourselves,” Ming told CNBC.

Yes, there is more work to be done. The way we treat our environment and the animal kingdom on this planet truly needs to change, and that change will only come from awareness and connecting to self. Great genocide takes place on our planet every single year… and it is that of animals for needless human consumption.

The Takeaway

Even the largest of challenges we face can be changed with the efforts of people. Sure, in this case, it was a celebrity with great influence, but in many other cases, it is large groups of people coming together. The March Against Monsanto is a great example of that. I recall when that was first starting out and we were one of just a small handful of websites who actively raised awareness about Monsanto’s actions – even when other partnering companies wouldn’t work with us because of our efforts in that area of reporting.

Slowly but surely, our stories and articles became more and more viral over the years. The conversations eventually moved to the mainstream, and over time, it is now being turned into action across the planet against GMO foods and practices. Something that started out with just a few people has grown into a global movement thanks to their tireless efforts to do the right thing.

We have the power to do great things. Something that seems small can build to be impactful over time, but even if it doesn’t, doing what inspires you is an incredible energy to add to collective consciousness and inspire others.

Change truly starts within. That’s why I created The 5 Days of You Challenge and made it available for everyone. With this challenge, everyone can begin getting in touch with themselves and making a difference in our world. Check it out here.

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