Bank Branches are the Latest Creative Destruction Casualty


Posted originally on Jul 24, 2025 by Martin Armstrong 

Electronic Dollar Digital

Over 8,000 bank branches are expected to close worldwide in 2025. Approximately 3,200 of those closures will take place in the United States. Q1 experienced 148 net branch closures in the US, with all major banks slated to close branches throughout the year.

These are merely bank closures and not bank failures, although two smaller US banks did fail this year. People simply prefer online banking as we have made the switch from relational to transactional banking.

Bankrate conducted a survey that found 77% of Americans prefer online digital banking, yet other surveys believe the figure is closer to 89%. Digital banking has been rising in popularity in recent years, up from 203 million domestic users in 2022 to the 216.8 million projected users in 2025. The survey found that 34% of consumers use online banking on a daily basis, consistently checking their account and transactions. There has even been a 19% increase in use among the 65+ crowd who is least likely to use digital services.

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The total number of bank branches across the US fell below 65,000 in Q2. Texas, New York, and California saw the largest decrease in brick-and-mortar locations. Many branches that chose to remain open are only offering drive thru services. One in three banks has closed in rural areas as there is no demand, and the Federal Reserve noted in its annual Banking Access Report that the number of “banking deserts” across the Midwest is rising.

Banks have no overhead with digital banking services and they do not need to hire staff. The cost-per-transaction for in-person banking is $4.00 compared to only $0.04 for digital. AI is rapidly replacing bank tellers with a 3 to 1 ratio.

The trend is global. The United Kingdom anticipates 370 to 450 branch closures this year. Germany and France are facing 1,100 closures combined. The Asia-Pacific region of the world saw a 16% reduction in bank branches from January to May 2025. Certain nations like Malaysia and Thailand also offer branchless micro-banking kiosks to substitute relational banking.

The money in your bank account is already just an electronic book entry. Not only is there less demand for face-to-face banking, but they are also preparing for CBDCs as bank branches are unnecessary without physical paper money. You can deposit a check on your phone or at a kiosk, but e-checks are rising in popularity. The only thing left for a branch is safe deposit boxes, and the government assumes you are hiding cash there anyway. Relationship banking is becoming a thing of the past, the latest casualty in the cycle of creative destruction.

BBC on Global Warming


Posted originally on Jul 20, 2025 by Martin Armstrong   

Electricity Companies Plan MASSIVE 150% Price Hike, Dave Walsh Reacts


Posted originally on Rumble By Bannon’s War Room on: July 14, 2025, at 9:00 pm EST

Ep 3679b – Obama Framed Trump, Then Overthrew The US Gov, Treason, Destruction Of The D Party


Posted originally on Rumble By X 22 Report on: July 3, 2025 at 6:15 pm EST

Ep 3678b – [DS] Just Took A Huge Blow, Shutdown, Overthrow Of The US Gov Has Gone Mainstream, Pain


Posted originally on Rumble By X 22 Report on: July 2, 2025 at 7:45 pm EST

The World’s First Climate Visa


Posted originally on Jun 30, 2025 by Martin Armstrong 

Tuvalu

The Polynesian island of Tuvalu is composed of nine coral islands across a 420-mile distance in the west-central Pacific Ocean. The ocean has come to reclaim the islands as the natural cycle of climate change has led the surrounding sea level to rise at about 3.9 mm annually, yet the island is only 2 meters above sea level. Australia is now offering the island’s 11,000 inhabitants the opportunity to apply for the world’s first climate visa.

NASA believes that the majority of the islands will be submerged by 2050. Tuvalu has begun the process of digital preservation to maintain records of its culture and landscapes before the islands are reclaimed.

Numerous studies have pointed to dynamic coral processes as the primary reason for rising sea levels. Dynamic coral processes reference the natural order of oceanographic forces that reshape coral reef structures. Certain marine life and reef-building corals produce calcium carbonate and accrue as gravel and sand.  The ocean waves and currents naturally break down these structures over time and cause reefs to shift, contract or expand. The reef masses themselves are living landforms that are susceptible to accretion and erosion. Overall, these are not structurally sound for long-term inhabitation.

Australia is currently opening 280 visas for Tuvalu citizens annually for a small registration fee of $16. Visa applicants will be selected at random. Over 3,000 Tuvaluans have applied for a visa thus far. “This is the first agreement of its kind anywhere in the world, providing a pathway for mobility with dignity as climate impacts worsen,” a spokesperson for Australia’s foreign affairs department said. “At the same time, it will provide Tuvaluans the choice to live, study and work in Australia,” Australia’s foreign affairs department said.

“For the first time, there is a country that has committed legally to come to the aid of Tuvalu, upon request, when Tuvalu encounters a major natural disaster, a health pandemic or military aggression,” Tuvalu Prime Minister Feleti Teo said at the time. “Again, for the first time, there is a country that has committed legally to recognize the future statehood and sovereignty of Tuvalu despite the detrimental impact of climate changed-induced sea level rise.”

Australia is not doing this as a humanitarian act. Australia is offering visas with the stipulation that Tuvalu permits Australia to have a final say in defense pacts. As it may be, Tuvalu is one of the twelve states that maintains relations with Taipei over Beijing.

Tuvalu will be uninhabitable prior to 2050 as skilled workers flee to Australia. Australia, in turn, has control over the small island chain. Tuvaluan is seen as a stark warning to those who fear climate change, and yet, this is a naturally occurring phenomenon that humans cannot create or prevent.

“He Was Using Populism To Talk To Generation Z” Kenny Cody On The NYC Mayoral Race Shakeup


Posted originally on Rumble By Bannon’s War Room on: June 26, 2025, at 8:00 pm EST

Obama Killed the War Powers Resolution Act


Posted originally on Jun 18, 2025 by Martin Armstrong |  

US legislators are fighting to prevent America from becoming involved in the Israel-Iran conflict, but it is too late. The war cycle cannot be stopped, and the next cycle will peak in 2026/2027 on target. Our computer warned that there was an elevated risk for a confrontation beginning in 2025 on a global scale.

US senators on both sides of the political spectrum are attempting to introduce legislation that would prevent Donald Trump from declaring war on Iran. The Bipartisan House War Powers Resolution has received support from the Republican Senator Thomas Massie, who is perhaps the most outspoken against declaring war on Israel’s behalf. “This is not our war. But if it were, Congress must decide such matters according to our Constitution,” Massie stated. The bill is not an actual bipartisan bill, as Massie is the only Libertarian leaning Republican championing such a measure. Many are now questioning the GOP as everyone seems keen to attack Iran. Yet, Donald Trump repeatedly promised that the US would not enter into any foreign wars under his command. In fact, Trump accused Obama of attempting to attack Iran back in 2011, but Obama had other priorities in the Middle East.

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Senator Bernie Sanders introduced the No War Against Iran Act, which would prohibit the use of federal funds for military action against Iran without approval from Congress. The only exception would be if war was declared through the War Powers Act, or War Powers Resolution of 1973, which grants the POTUS the ability to send American troops into battle if Congress receives a 48-hour notice. The stipulation here is that troops cannot remain in battle for over 60 days unless Congress authorizes a declaration of war. Congress could also remove US forces at any time by passing a resolution.

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The War Powers Act was last enacted under Barack Obama in 2011 when he sent troops into Libya. The resolution had not been enforced since 1998 when President Bill Clinton sent armed forces into Kosovo. Yet, Obama was able to bypass the law and the military remained in Libya for over 60 days without Congressional approval, marking the first time in US history that a president defied the War Powers Act. House Republicans attempted to block any federal funding, but their efforts were ultimately unsuccessful. Obama single-handedly dismantled the entire War Powers Act, as it did not matter what Congress did or did not do—the president had the sole authority to wage war.

There was a major ECM turning point on June 13, 2011. That marked the beginning of a new 8.6-year wave within the broader 51.6-year cycle. What happened right then? The Arab Spring, the destruction of Libya, and a sharp rise in geopolitical instability. That intervention was unauthorized and illegal by constitutional standards.

Senator Tim Kaine would also like to invoke the War Powers Act, but these people must understand that the act died in 2011 when the US entered Libya to overthrow Gaddafi. The government can say anything to propel a nation into war, and weapons of mass destruction are a tried and true premise. What makes this more dangerous is that we’ve since entered a cycle where unelected bureaucrats—Neocons, intelligence operatives, and shadow advisers—run foreign policy, not the American people or even Congress. Obama’s disregard for the War Powers Act helped solidify that shift.

The Deporter-in-Chief – Barack Obama


Posted originally on Jun 12, 2025 by Martin Armstrong 

Once upon a time, requiring noncitizens to return home was not controversial. The left is not protesting migration; rather, they are protesting Donald Trump. Former President Barack Obama broke records for deportations under his administration and received bipartisan support.

Forcible removals reached 400,000 in 2012 alone, a record-high number for deportations at the time. Obama became the president to oversee the highest number of migrant removals with over 3 million people forcibly or voluntarily leaving the United States between 2009 and 2017. Only far-left extremist groups complained, labeling Obama the “Deporter-in-Chief.”

In comparison, George W. Bush expelled 3 million migrants, with Bill Clinton only removing 900,000. Prior to Trump, immigration rules were common sense. I could not travel to [insert the name of any country here], overstay my visa or illegally enter, and then expect that nation to financially support me and my extended family indefinitely.

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“If they committed a crime, DEPORT THEM, no questions asked,–they’re gone!” Hillary Clinton said on the campaign trail. She said that migrants who wished to become naturalized citizens should be required to learn English, pay a fine for illegally entering the US, pay back taxes, and wait in line for their turn to legally immigrate. The Democrats cheered her plan. Again, these were common-sense concepts.

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The media now remembers Obama for providing an easier path for citizenship and pandering to groups who repeated the “don’t separate families” line. Yet, Obama campaigned on the promise of removing illegal migrants because it was a danger to national security and a burden to taxpayers.

The pandemonium we see today has absolutely nothing to do with migration. Migration is the excuse to attack Donald Trump, the most hated man in politics, to cause and blame him for nationwide chaos. The Democratic Party once had values, but they no longer stand for anything other than violence and opposition without proposed solutions.

Repopulation in the UK Reaches New High


Posted originally on Jun 3, 2025 by Martin Armstrong 

Refugees Just Men

The United Kingdom admitted it “lost control” over its own national security and permitted the invasion of thousands of illegal migrants. Once the naval powerhouse of the world, the former British Empire has “lost” the ability to protect its own shores from the onslaught of migrants that have been pouring in since its leaders adopted open border policies. Men with little to no resources in canoes are suddenly overpowering the long-admired British fleet. In truth, the government has not “lost control,” as this is a calculated effort to reshape the UK.

The UK may not be in the European Union, but its leaders certainly still adhere to the same agenda, from open borders to censorship and net-zero initiatives. The Times of London reported 14,811 illegal crossings this year, a 42% annual increase. This is the largest number of invaders on record since the UK began collecting data in 2018. “Truth is, Britain’s lost control of its borders over the last five years, and the last government last year left an asylum system in chaos and record levels of immigration,” Defense Secretary John Healey told reporters.

Others are blaming France for not preventing migrants from launching from their shores. French police stopped 38% of migrants (8,347 people) attempting to reach the UK by boat this year. French authorities prevented 45% of new arrivals in 2024, and 47% in 2023. France is receiving €541 million over a three-year period from the UK government to prevent illegal crossings in the English Channel. France has hired hundreds of new law enforcement officers to patrol the waters, but the number of asylum seekers continues to rise.

Upon taking office, Sir Keir Starmer announced that the Rwanda plan was “dead” as he would not deport migrants to third nations. Labour has stated they are seeking a “calm and patient rebuilding” of migration policies and refuse to accept any large-scale deportation efforts. If you can make it to shore, you can likely stay. Starmer has said the UK is becoming an “island of strangers” but refuses to adopt any policies to curb the inflow.

The United Kingdom is experiencing a mass repopulation event. The former population is being replaced with both legal and illegal immigrants. Birth rates are plummeting, public debt is rising, and the government is openly permitting migrants to enter to maintain its public welfare state. Rather than fixing the issues that are causing the population to contract, the government is importing a new population. The British political elite, both Tory and Labour, have failed to grasp the historical implications of these shifts. It is not racist or xenophobic to observe patterns and hard truths. The core identity of the UK and other Build Back Better nations has been abandoned and replaced. They are not bringing in migrants for humanitarian purposes, and it would be a lie to think that the UK was completely unable to secure its border. If they can’t prevent a few thousand men on cheap boats from entering, how could they protect themselves in time of war? The government is allowing this to happen because it needs new taxpayers to replace the workers it failed to produce.

This is why conservative leaders are attempting to rebuild domestic manufacturing and providing incentives for women to have children. The global mainstream media is controlled by the left, and therefore, these nationalist values are painted as a form of hatred or superiority. Quite the contrary, as conservative leaders are attempting to save their nation’s culture and traditions by encouraging the success of their own population.

Globalism is directly tied to repopulation theory. “In the future, countries with aging populations may need migration to sustain their economies,” Bill Gates said, as he strongly believes that the world is overcrowded. “The world today has 6.8 billion people… that’s headed up to about 9 billion. If we do a really great job on new vaccines, health care, reproductive health services, we could lower that by perhaps 10 or 15 percent.”

Repopulation theory is more of a tactic than a theory. Hence, leaders like Starmer are ignoring warnings and standing idle as a demographic shift permanently alters their nation. As it stands, first-generation migrants will compose 25% of the UK’s population by 2035, according to the Centre for Migration Control, and the UK’s overall population will surge to 73 million. It may seem far off, but that is only a decade from now. All Build Back Better nations will be utterly unrecognizable thanks to repopulation tactics.