The Love Loan

Why did Microsoft give a huge loan to save Apple from bankruptcy in 1997?

In 1997, Apple was on the verge of bankruptcy.  It was rescued from oblivion from the most unlikely of sources: Bill Gates the founder of Microsoft, the company that had bankrupted it. 

Bill invested 150 million dollars in Apple with the understanding that he would withdraw his investment whenever Apple was back on it feet.  If Apple did not recover, then he would be out of his money with no chance of recovery. 

So analysts for business journals likened this rescue investment to Bill Gates making a 150 million dollar loan to Steve Jobs with these conditions: no interest and pay me back whenever. A loan with these conditions is a love loan.

These analysts found the love loan to be strange.  Bill Gates and Steve Jobs had a long history of being competitors.  Steve Jobs was especially known for making particularly caustic remarks about Bill Gates and Microsoft.  Yet these two would also meet together and joke with each other like they were in some sort of club for giant software company CEOs.  It was as if the only ones who they could talk to about being such a CEO was each other.  The analysts even coined the phrase "frienemy" to describe the relationship and initially speculated that this might be cause of the love loan.

However, this was not exactly a love loan as it first appeared on the surface. 

Apple did have to drop its patent infringement lawsuits to secure the loan.  This was not as big as a deal as some might have imagined.  Apple probably would have lost most of its cases in court anyways since most of the technology in question had actually been invented as part of a government project at SPARC (San Palo Advanced Research Center) years earlier and technically belonged to the US government. 

For any court cases which Apple might have won Microsoft would have appealed and dragged it out in courts for years before paying a dime.  Microsoft had time on its side while Apple was quickly running out time. 

Still these lawsuits were a legal thorn in the side of Microsoft that Bill Gates was glad to have removed.

Also Microsoft was being threatened by anti-trust actions in the EU (European Union) and needed Apple to remain in the market so that it could argue that people had a viable alternative to Windows.  So Bill was using what some might interpret as love loan as a means to end the two biggest legal headaches that Microsoft was facing at the time.

So where did the idea of a love loan come from? Like many most things in life the answer can be found in the Book of Truth (The Bible).

The love loan began with the Law of Truth (The Torah aka The Law).  The Children of Truth (those that obey the Father of Truth because they love Him) are not to charge interest to each other when they make a loan to each other (Exodus 22:25).  They are to give these interest free loans so that the poor among them can continue to live among them instead of among the Children of Lies (Leviticus 25:35-37).  They are not to charge interest to the poor among them as if the poor are no longer part of His family (Deuteronomy 23:19-20).

These love loans are to be as large as the poor among them need (Deuteronomy 15:7-8).  The Children of Truth are not to withhold lending to the poor because the poor will never cease to exist from among them (Deuteronomy 15:10-11).

These love loans were to be cancelled in the year of release that occurred every seventh year of the Jubilee cycle (Deuteronomy 15:1-3).  These loans are to be given to whoever asks even if the year of release is near and they are certain to not be repaid (Deuteronomy 15:9).

This does not mean that those that take these loans are not to do all they can to repay them.  The Children of Truth do all they can to repay a loan because it is evil to do anything less (Psalm 37:21).

The borrower is to give a pledge to the lender that will be returned to them when they repay the loan - usually something they value like the clothes in their closet as long there are enough clothes left to keep them clothed (Exodus 22:25-27).  The lender cannot take their means of production as a pledge (Deuteronomy 24:6).  The lender is not to embarrass the borrower by going into their house to get the pledge but is to wait outside for the borrower to bring the pledge to them (Deuteronomy 24:10-11).  The clothes are to be returned to the borrower at the end of the day if they needs more clothes to keep them clothed (Deuteronomy 24:12-13).  The borrower cannot take the clothes of the truly needy like the widow as a pledge in any case because the borrower needs to remember how the Father of Truth has delivered them from bondage (Deuteronomy 24:17-18).

They are to sell their land to those that gave the loan to repay it if necessary.  This sale is to be based on the fifty year Jubilee cycle when everyone is to be given back their land in the fiftieth year and to end their servitude to repay their loans (Leviticus 25:8-10).  The value of the land is based on how many years are left in the Jubilee cycle (Leviticus 25:14-16).  Their land can be redeemed from the lender if someone will pay off the remaining portion of the loan (Leviticus 25:25-26).  The remaining portion of the loan is based on the percentage of years left in the fifty year Jubilee cycle from the year that they originally sold the land (Leviticus 25:27).  They are to be given back their land in the year of Jubilee because these borrowers are still part of His family (Leviticus 25:28).

They are to sell themselves as servants to the lender if necessary to repay the loan.

They are to work for the lender no longer than the year of Jubilee because they are still part of His family (Leviticus 25:39-43).  The Children of Truth are to even sell themselves as servants to those that live among the Children of Truth to repay the loan (Leviticus 25:47).  They can be redeemed from that lender if someone will pay off the remaining portion of the loan (Leviticus 25:48-49).  The remaining portion of the loan is based on the percentage of years left in the fifty year Jubilee cycle from the year that they originally sold themselves (Leviticus 25:50-52).  They are to be released from working as the hired servant of the lender in the year of Jubilee because these borrowers are still part of His family (Leviticus 25:53-55).

If the poor among the Children of Truth sell themselves as a servant to one of the Children of Truth to repay the loan then they are to serve that lender for only six years (Deuteronomy 15:12).  The lender is to give the borrower that was set free everything they need to get a fresh start in life because that is what the Father of Truth did for them (Deuteronomy 15:13-15).  The borrower can choose to become part of the household of the lender forever instead of leaving if they wish (Deuteronomy 15:16-17).  The Children of Truth are to release each other in the seventh year because the Father of Truth has blessed them (Deuteronomy 15:18).

This system of the love loan always guarantees that the poor would be relieved from hard times with interest free loans that they are able to repay, that the lender would benefit from making the loan and that people will always eventually get out of debt.  After all, the borrower is working for the lender as long as they are in debt (Proverbs 22:7).

However, not everyone among the nation of Israel were the Children of Truth so the nation of Israel did not provide love loans as the Father of Truth instructed and suffered for it.

The Children of Truth like Jeremiah (Yirmiyahu) the Prophet of Truth did not suffer the judgment of the Father of Truth for charging interest when they loaned money to those among the nation of Israel (Jeremiah 15:9-11).  The Children of Truth were those who provided love loans (Ezekiel 18:5-9).  The Children of Lies were those who did not provide love loans (Ezekiel 18:10-13).  One of the ways that the Children of Truth were distinguished from the Children of Lies was by providing love loans (Ezekiel 18:14-17). The Children of Lies that oppressed others in this way perished under His judgment (Ezekiel 18:18).  The Children of Lies did not provide love loans because they had forgotten the Father of Truth (Ezekiel 22:12). Yet the Father of Truth would have rather had the Children of Lies return to providing love loans than to die for not doing so (Ezekiel 33:14-16).

Right after the nation of Israel suffered and was brought back to their own land some of them again left off providing love loans (Nehemiah 5:5-8).  They were rebuke for failing to provide love loans (Nehemiah 5:9-10).  They immediately repented because they did not want to be under His judgment for not providing love loans (Nehemiah 5:12-13).  It was providing love loans that proved that they were the Children of Truth (Nehemiah 10:28-31).

The Renewed Covenant also says that people are to provide love loans.  This should be no surprise since the Man of Truth (Yah'shua aka Yeshua aka Jesus aka Mashiach aka Messiah aka Christ) came to demonstrate how to fulfill the Law of Truth instead of removing it (Matthew 5:17-18).

The Man of Truth said to make love loans to anyone that asks for one just like the Law of Truth (Matthew 5:42).  The Man of Truth said that the poor will always be around just like the Law of Truth (Matthew 26:11).  The Man of Truth said that there would always be opportunities to take care of the poor among the Children of Truth just like the Law of Truth (Mark 14:7).  The Man of Truth did not invent love loans but only expounded upon what had already been written in the Law of Truth and the rest of the Original Covenant (Tanakh aka The Old Testament).

The Man of Truth also said to make love loans to anyone that asks for one (Matthew 5:42). He said that if we want to forgiven our sins then we must forgive those that do not pay back our love loans (Matthew 6:12). He said that by doing so then we lay up our treasure in Heaven instead of on Earth (Matthew 6:19-21).  He said that making love loans shows that we serve the Father of Truth instead of the idolatry of endlessly pursing bigger, better, newer stuff (Matthew 6:24).  He said to not be afraid to make love loans because the Father of Truth will take care of us as surely as He takes care of the birds and the grass (Matthew 6:25-31).  He said if we pursue the purposes of His Father like this then His Father will give us everything we need when we need it (Matthew 6:32-34).  He said since that is the case then we should be generous when we make love loans instead of judging if people are worthy to be given one so that the Father of Truth will be generous with us instead of judging us for our sins (Matthew 7:1-2).

The Man of Truth said that if we do not forgive people the little debt that they are unable to repay then the Father of Truth will forgive the great debt that we are unable to repay (Matthew 18:23-35). 

The Man of Truth said to give to anyone that asks because that is how we would want to be treated if we were in need (Luke 6:30-31).  He said to even make love loans to the Children of Lies to demonstrate a love that goes beyond mere human ability (Luke 6:32-34).  He said the Children of Truth are those that demonstrate such mercy with love loans so the Children of Lies can understand the mercy of His Father (Luke 6:35-36).  He said the Children of Truth are to make such love loans without judging whether or not those that ask are worthy so they will not be judged unworthy, without condemning those who deserve trouble from their actions so that they will not be condemned with the trouble that they deserve for their actions and to forgive those that do not pay back their love loans so that they will be forgiven of the debt of their sins (Luke 6:37).  He said that when we generously make love loans to take care of the needs of others then His Father will cause other people to generously give us things to take care of our needs (Luke 6:38).

So the Children of Truth can give and repay love loans because they know that those who do so will dwell with the Father of Truth forever (Psalm 15).  They can give love loans because they know that the Children of Truth are never forsaken and their children will never go hungry (Psalm 37:25-26).  They can give love loans because their trust is in Him (Psalm 112:5-7).  They can give love loans because they know that He will repay them (Proverbs 19:16-17).  They can give love loans because they know that He will not hear the prayers of those that do not obey His commands (Proverbs 28:7-9).

Just as people can make a loan of money so can they make a love loan of their children.  This is what Hannah did with Samuel and the Father of Truth repaid her for it with more children (1 Samuel 2:19-21).  In the same way the Father of Truth made the ultimate love loan when He loaned this world His Son so people could come into the House of Truth (John 3:16-18).  He too is repaid with more children whenever anyone comes into the House of Truth (Romans 8:29).  You repay His kindness by coming into the House of Truth when you surrender your life to the Man of Truth because you believe that His Father raised him from the dead (Romans 10:8-9).

Come into the House of Truth.

Hostile Takeover

What was the greatest hostile takeover in history?

One of the most famous hostile takeovers in US history was the takeover of the Marland Oil Company.  The story of this hostile takeover teaches a lesson that everyone needs to learn.

E. W. Marland had moved to Ponca City, Oklahoma completely broke in 1908.  That year same year he created the 101 Ranch Oil Company.  By 1920 his assets were worth 85 million dollars which would be the equivalent value of almost 1 billion dollars in 2013.  He then proceeded to consolidate all of his holding into a new oil company called the Marland Oil Company.  The Marland Oil Company grew to control about 10% of the world's oil, approximately the same amount as the country of Saudi Arab in 2012, making E. W. Marland even richer.  He proceeded to build his famous 55 room, 4 story mansion, that had more than 43,000 square feet of living space, called "The Palace of the Prairie" in Ponca City.  He commissioned and paid for the Pioneer Woman statue to commemorate the pioneer women that settled the Great Plains.  E. W. Marland lived in a paradise that few have experienced.

However, in 1928 he lost control of the company that he had built from scratch in a hostile takeover.  He then proceeded to lose his income. Then he lost his home.  Soon he found himself completely broke.  His paradise was lost and is now only remembered as a story from long ago.

How did E.W. Marland lose everything?

First he did not recognize the enemy.  Men like J.P. Morgan Jr. were not oilmen like himself but rather financiers.  While oilmen had been focused on getting oil out of the ground and refined to help people with their transportation needs, the focus of financiers was to gain control of other people by lending them money.  Men like J.P. Morgan Jr. were crafty so he probably did not talk directly to E. W. Marland.  Instead he  probably got control of people that E. W. Marland trusted so that E. W. Marland would not see the danger.

Next he listened to the voice of the enemy.  He had built his oil empire by continuing to keep his debt low.  He was persuaded by those were under the control of J.P. Morgan Jr. to borrow a lot of money so he could experience a rapid expansion in power.

Lastly, he gave control to the enemy.  Since he had kept the debt low, the Marland Oil Company did not have the money for a rapid expansion.  So in 1922, the Marland Oil Company took out a massive loan from J.P Morgan and company to finance a rapid expansion.  It was not immediately apparent to E. W. Marland but he had put himself under the authority of J.P. Morgan Jr. when he took that loan.  The profits of the Marland Oil Company were down during this expansion phase due to all the expenses associated with expansion and paying off the debt.  This drove down the share price of the Marland Oil Company.  When the share price dropped low enough in 1928,  J. P. Morgan and company called in their loans.  They then used the money to buy a controlling interest in the Marland Oil Company which was naturally in the red at this point.  J.P. Morgan Jr. took control of the company that had been created by  E.W. Marland.  This change in control affected every one in the family of E. W. Marland including his descendants.  This change in control affected the entire Marland Oil Company to the point that it was also broken.

This was not the first hostile takeover nor was it the largest.  It pales in comparison to the original hostile takeover.

The Father of Truth (YHVH aka God aka THE LORD), the Man of Truth (Yeshua HaMashiach aka Jesus Christ) and the Spirit of Truth (Ruach HaQodesh aka The Holy Spirit aka The Holy Ghost) worked together to create people to control everything in the Earth (Genesis 1:26-27).  They gave people control of all the Earth (Genesis 1:28).

It happened like this:

The Father of Truth started with just one man (Genesis 2:7). The Father of Truth created a paradise for the man to live in (Genesis 2:8-10).  The Father of Truth gave the man a job and warned him what he needed to avoid so he could stay in paradise (Genesis 2:15-17).  The Father of Truth knew that the man needed a partner to carry out his assignment (Genesis 2:18).  The Father of Truth gave the man a name, Adam, and had Adam examine everyone in his organization so that Adam would understand that he did not have a partner that was suitable to help him to carry out his assignment (Genesis 2:19-20).  The Father of Truth made a partner that was suitable to help Adam carry out his assignment (Genesis 2:21-22).  Adam embraced the partner to form the first partnership and neither partner hid anything from the other (Genesis 2:23-25).  Adam lived in a paradise that no one else has experienced.

However Adam lost control of the company that he started from scratch, the human race, in a hostile takeover (Romans 5:12-14).  Adam lost his income (Genesis 3:18-19).  Adam lost his home (Genesis 3:23-24).  Soon Adam found himself completely broken (Genesis 5:5).  His paradise was lost and is now only remembered as a story from long ago.

How did Adam lose everything?

First he did not recognize the enemy.  While Adam was focused on tending the garden, the Father of Lies (HaShatan aka Satan aka The Devil) was focused on gaining control over people by getting them to disobey the Father of Truth (1 Corinthians 7:2-5).  The Father of Lies is crafty so he did not talk directly to Adam (Genesis 3:1-5).  Instead he got control of someone that Adam trusted so that Adam would not see the danger (1 Timothy 2:14).

Next, he listened to the voice of the enemy.  Adam had kept control of the entire world by obeying the Father of Truth (Genesis 5:2).  Adam was persuaded by his partner who was under the control of the Father of Lies to disobey the Father of Truth (Genesis 3:17) so he could experience a rapid expansion in power.

Lastly, he gave control to the enemy.  Adam disobeyed the Father of Truth (Genesis 3:9-12).  It was not immediately apparent to Adam but he had put himself under the authority of the Father of Lies when he disobeyed the Father of Truth (Romans 6:16).  The Father of Lies took control of the world had been created for Adam (2 Corinthians 4:4). This change in control affected every one in the family of Adam including his descendants (1 Corinthians 15:22).  This change in control affected the entire creation to the point that it was also broken (Romans 8:20-22).

However, for the human race, the story did not end there.  The Father of Truth promised to send a man to take back the human race from the Father of Lies (Genesis 3:15).  The Father of Truth had his own plan to buy back that which was stolen by the Father of Lies through the seed of Abraham (Genesis 28:14). The Father of Lies unwittingly gave control to the Man of Truth when he had the Man of Truth crucified (1 Corinthians 2:7-8).  The Man of Truth was able to pay for the disobedience of the human race because he was never disobedient to the Father of Truth (2 Corinthians 5:21).  The Man of Truth paid the price to redeem the human race when he was crucified by becoming cursed by the Father of Truth in their place (Galatians 3:13).  The Man of Truth had became a man that obeyed the Father of Truth in all things even to the point being crucified (Philippians 2:7-8).  When the Man of Truth became a man he was able to destroy the power of the Father of Lies so the human race could be restored (Hebrews 2:14-15).  The Man of Truth was the Seed of Abraham that made it possible for all people, Jew and Gentile, to be blessed (Hebrews 2:16).  You could say that the Father of Truth used the Man of Truth to pull off His own hostile takeover.  It was the greatest hostile takeover in history!

The Father of Truth does not go back on his word so every man still has to choose to obey Him.  Those that obey His commandments come to live with Him in the House of Truth (John 14:23).  Those that do not obey His commandments do not live with Him in the House of Truth (John 14:24).  Those that want to be saved by coming into the House of Truth must hear the Word of Truth and obey the Gospel (Romans 10:12-17).  Those that do not obey the Gospel will be destroyed by the Father of Truth (2 Thessalonians 1:8-9).  Those that want to be saved must be willing to suffer for obeying the Gospel so they remain in the House of Truth (1 Peter 4:16-19).

When you come into the House of Truth you will receive the free gift of righteousness that the Man of Truth purchased for you (Romans 5:16-18).  You first step into the House of Truth when you make a commitment to obey the Man of Truth in all things because you believe in your heart that the Father of Truth raised him from the dead after he was crucified (Romans 10:9-10).

Come into the House of Truth.