Dr. Peter's Financial Systems Blog
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  • 126. The three virgins
  • 125. My work as an inventor
  • 124. Bad programmers develop email systems at Google
  • 123. Fed & Worldwide interest rate hikes
  • 122. The End of Putin and Russia
  • 121. Disaster in Europe and the end of Ukraine Russia war
  • 120. Is this the end of Ukraine?
  • 119. Proton car salesman
  • 118. Coming worldwide catostrophic diasasters to come
  • 117. President Joe Bideen there is something wrong
  • 116. Does YouTube Malaysia hate non muslims?
  • 115. YouTube increase subscribers and views
  • 114. YouTube is broken
  • 113. open letter to Sundar Pichai, Sergey Brin & Mark Zuckerberg OAuth 2.0 and Contact Us Forms
  • 112. Visions regarding the church and the Chinese
  • 111. The coming worldwide cataclysm
  • 110. President Biden Declares Mass Killings of Armenians a Genocide
  • 109. Checking for clogged arteries
  • 108. President Biden tax revenue from stocks, commodities & forex
  • 107. Thank you President Trump
  • 106. Telecommunications companies billing flaws, bandwidth and other problems
  • 105. President Trump, What has happened to America?
  • 104. Is the China Virus an American Virus?
  • 103. Congratulations to President Elect Biden
  • 102. novel lithium ion battery protection circuit design for longer working life reduce toxic waste
  • 101. Did I cure myself of covid-19 coronavirus?
  • 100. President Trump bless you and recover from the China virus quickly
  • 99. Black lives matter too and so do the lives of the non-Chinese
  • 98. how to overclock cpu with technology that has not been invented yet
  • 97. vaccine lobby conspiracy theory the coming worldwide economic depression
  • 96. laptop refurbished cpu overheating with novel cooling techniques other errors.
  • 95. Letters to President Barack Obama during the great recession of 2008
  • 94. The Cedar of Lebanon is falling. Internet fake news fraud scams and pseudo communist social media companies
  • 93. coconut oil could cure viral diseases coronavirus hiv rubella hepatitis c influenza shingle rabies nipah.
  • 92. YouTube and the death of Western civilization by the coronavirus
  • 91. covid 19 and additional cures and relief for other health problems
  • 90. President Trump infections and the spread of covid-19 until 2024
  • 89. President Trump alternative cures for covid-19
  • 88. President Trump the corona virus and relief from neuropathy nerve pain
  • 87. a potential cure for Covid-19 virus
  • 86. President Trump a potential cure for Covid-19 virus
  • 85. President Trump the effects of the corona virus on the US economy
  • 84. A sad prophecy for Malaysia
  • 83. You are a hero President Trump
  • 82. do not make paul into a god and misunderstanding the laws of Moses.
  • 81. poor protestors rebellion revolution in many countries hong kong bolivia chile peru iraq
  • 80. Star of David Banner
  • 79. Prosperity God Jesus Christ in the churches in malaysia
  • 78. president trump jared kushner $50B palestinian peace plan would not work
  • 77. problems youtube video not showing homemade bread recipe.php
  • 76. php ziparchive not working apache server hard disk full problems
  • 75. LG fridge problems
  • 74. President Trump beware of scams
  • 73. open letter to Sundar Pichai, Sergey Brin & Mark Zuckerberg on proxies, caches and ip addresses
  • 72. open letter to Sundar Pichai, Sergey Brin & Mark Zuckerberg on auctions
  • 71. the tyranny of the turks
  • 70. formulae for Pythagoras Theorem
  • 69. A parallel processing theorem for machine and robotics control
  • 68. Angela Merkel should be nominated for the Nobel Peace Prize
  • 67. Why does the church not want the Ten Commandments?
  • 66. responsive web design for all devices using php superglobal variables
  • 65. We cannot block hackers anymore
  • 64. Books & e-books for sale
  • 63. Comparison of indices DJI, S&P 500, NYSE, NASDAQ and interest rates
  • 62. Predicting the NASDAQ trend from 2016 to 2020 and the S&P 500 from 2017 to 2022
  • 61. Forecasting the NYSE and the DOW Jones Industrial for 2018 to 2022
  • 60. my letters to the prime minister during the 1997 Asian Financial Crisis
  • 59. The way forward
  • 58. Wake up Israel it is time
  • 57. The Calling of the Lord
  • 56. Congratulations President Trump on the bombing of the Syrian military base
  • 55. President Trump and the 7 muslim nations
  • 54. Cure for diabetes and neropathy nerve pain
  • 53. Thank you President Barack Obama
  • 52. healing from ankle and knee joint pain with stem cell products.php
  • 51. Congratulations to President Trump
  • 50. Obamacare
  • 49. High cost of insurance premiums
  • 48. Past predictions and the price of gold
  • 47. Save the children
  • 46. Sino Russian world war and the end of America
  • 45. The Lord Gods blessing and generational curses and gays lesbians
  • 44. Slowing economic growth
  • 43. False teachings in the church in Malaysia
  • 42. Banking problems in Malaysia with AmBank
  • 41. Banking problems in Malaysia
  • 40. Historical-performance-of-my-commodity-price-prediction-charts
  • 39. Major changes to the earths continents to occur if Israel is divided
  • 38. Block hackers bad bots scrappers stop ddos attacks wordpress blog sites
  • 37. China starts world war 3 with rampant piracy and bullying smaller nations
  • 36. Powerful nontoxic insecticide used in my kitchen for exterminating ants
  • 35. Soybean prices forecast chart 2013 2014 2015 2016
  • 34. Palm Oil price trend prediction 2012 2013 2014
  • 33. NYSE Composite Index prediction of 2015 Bull Run
  • 32. Brent-crude-price-forecast-2012-2013-2014
  • 31. Congratulations-President-Barack-Obama
  • 30. Indian stock exchange nifty index prediction chart
  • 29. Soybean prices commodity chart prediction for day traders and others
  • 28. Huduh is not for malaysia and the errors in huduh
  • 27. My rapeseed commodity chart prediction useful for day traders and others
  • 26. Problems problems and more problems
  • 25. stock chart signals and price action patterns - by Steve Sollheiser
  • 24. Malaysian property prices and the property market
  • 23. Malaysian population growth and Malaysian property prices
  • 22. False teachings of the muslim terrorist
  • 21. The alternative technical analysis for commodity and stock market analysis
  • 20. Malaysian property price, bubble and crash in 2012
  • 19. The basics of stock market, forex, commodity and financial economy models
  • 18. Gold price and business opportunities
  • 17. US Economic recovery and growth part 4
  • 16. US Economic recovery and growth part 3
  • 15. Gold price forecast trend chart 2011 2012 2013 2014 2015 2016
  • 14. US Economic Recovery and Growth Part 2
  • 13. US Economic Recovery 2009 2010 2011
  • 12. How to predict gold price trend 2011 2015
  • 11. Malaysian property prices and the property bubble
  • 10. Distribution of Wealth Model and Supply and Demand
  • 9. Gold price forecast 2011 2015
  • 8. Explanation of inflation and model of inflation hyperinflation
  • 7. Approximate silver price trend prediction chart june sept 2011
  • 6. how to predict stock and commodity trends
  • 5. Causes of economic crisis recession and high inflation or hyperinflation
  • 4. What is inflation and how to manage inflation
  • 3. Making sound investment decisions
  • 2. forecasting commodity and stock market trends
  • 1. Dr. Peters Loan Calculator
    « how to overclock cpu with technology that has not been invented yet
    When Gold moves Cash is not King.
    - Dr. Peter Achutha, September 2011
    President Trump bless you and recover from the China virus quickly »

    Black lives matter too and so do the lives of the non-Chinese

    Rubber processing

    Matthew 5:3-10

    Blessed are the poor in spirit, for theirs is the kingdom of heaven.
    Blessed are those who mourn, for they will be comforted.
    Blessed are the meek, for they will inherit the earth.
    Blessed are those who hunger and thirst for righteousness, for they will be filled.
    Blessed are the merciful, for they will be shown mercy.
    Blessed are the pure in heart, for they will see God.
    Blessed are the peacemakers, for they will be called sons of God.
    Blessed are those who are persecuted because of righteousness, for theirs is the kingdom of heaven.

    The rest will be left behind to wallow and rot in their own filth.

    Black death rates in America

    In 2019 370 whites were killed which is 370 out of 247.5M white people ie 0.00015% of the white population in America. 236 blacks were killed by cops which is 236 out of 55M blacks and that is 0.43%. That means that black people are 0.43/0.00015 = 2866 times more likely to be killed by police than whites.

    Blacks are 2866 times more likely to be killed by police than whites.

    If I recollect the UK figures correctly, blacks are about 5 to 10 times likely to be killed by police than whites in the UK. Shocking, devastating figures of how badly the blacks are treated in America. What are the police in America doing? Are the police hunting for blacks as if they are prized trophies? A souvenir of a kill as prized as trophies to be used for decoration, bragging rights or promotions? Are the police being trained with murderous intent to kill blacks? Why don't they form safaris and go hunting for them? I think they are already doing that. They call themselves the police force.

    The serpent of racism slithers among the godless.

    Jacob Blake

    Jacob Blake was shot seven times at point blank range. I saw it on TV. It was with murderous intent, wasn't it? A young black man getting into his car. That was all he did. Why couldn't the police have used a taser at such a close range? They were hunting him down with intent to shoot to kill wasn't it?

    Now I wonder who are the real criminals

    America is lost

    America is lost. It has lost its soul, it has lost its culture, it has lost its identity, it has lost its empathy but most of all it has lost its belief in God. A God-fearing people have been replaced by greed, anarchy, theft, fraud, fear and anger. What has happened to you America? Have you no shame? Have you no righteousness? Have you no humility? Have you decided not to bow down and obey the Lord your God? The Lord's Ten Commandments?

    I am beginning to think that Americans do not know anything about the Lord God or His commandments. I think they have forgotten Him. I think they have entered a cycle of self-destruction through greed, glory and godlessness. They are the "I, me and for myself" people. Self-pride, self-promotion, lying, cheating, swindling, fraud has become a way of life. All are the ways of the godless. A godless people. They remind me of the Chinese who have become mindless mercenaries for money.

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    Racism in Malaysia

    I remember when I was a 7 year old child in 1965 attending St. Thomas primary school. It was a Roman Catholic school run by pastors and nuns. All of them were Chinese. Every year they would give prizes to the top three students in Standard One. That year my brother won the second prize. At the prize giving ceremony they awarded the first prize and the third prize to Chinese students and ignored my brother. Only the Chinese were allowed to be awarded prizes. They were racist even to little children. How racist these Chinese pastors and nuns were. The Lord's judgement is there as today the Roman Catholic schools have been stripped of their "Roman Catholism" and run by Muslims with Muslim students attending such schools. I do hope you can see how the Lord God's judgement works. As the Roman Catholic school teachers were behaving like demons the Lord God put even bigger demons to sit on top of them.

    Jesus Christ warns about this in Matthew 18:6-9 "If anyone causes one of these little ones-those who believe in me-to stumble, it would be better for them to have a large millstone hung around their neck and to be drowned in the depths of the sea. Woe to the world because of the things that cause people to stumble! Such things must come, but woe to the person through whom they come! If your hand or your foot causes you to stumble, cut it off and throw it away. It is better for you to enter life maimed or crippled than to have two hands or two feet and be thrown into eternal fire. And if your eye causes you to stumble, gouge it out and throw it away. It is better for you to enter life with one eye than to have two eyes and be thrown into the fire of hell."

    The Chinese teach their children to look down on darker skinned people. I remember during the early 1960's our Chinese neighbour's children were very abusive to us until we stopped mixing with them. We were seven to ten years old and even at that age the Chinese kids had learnt how to be abusive. What god are they following? Are your children doing this too?

    Another racist church

    I left another church many years ago. This church is a multi-racial church and their sermons are given in English. The Chinese pastors were very racist. In fact, just before Easter, a few years ago, they were having a prayer meeting one evening. They wanted to run the whole service in Chinese even though about a quarter of the attendees were foreigners including Africans and more than half were non-Chinese. I told my friend that they were doing the wrong thing. The Lord knows that I will speak out right there and then should anyone do what is wrong in the eyes of the Lord. This is because by speaking out we give them a chance to correct themselves and repent of their wrong doing. In this case the Lord kept quiet. In front of everyone I silently walked out of the service. The Lord kept quiet all the while I was on the church premises. As I exited the church compound gates the Lord told me that "They only wanted to bless the Chinese". I now understand why the Lord told me so. He was going to pass judgement on these Chinese pastors and their henchmen and didn't want them to repent of their wicked ways.

    Chinese teachers were abusive in school

    I remember how our Chinese school teachers would wait for all the non-Chinese students to go home and then they would give extra tuition to the Chinese students that were still in class. Do your teachers do this too?

    Chinese in corporate Malaysia

    Did you know that the Chinese control almost all the foreign corporation in Malaysia? They give lower grades for non-Chinese during reviews so that only the Chinese officers would be promoted to top management. Then they hire only Chinese technicians, engineers and other staff so that there are no vacancies for other races. They are the ones who go round telling everyone that the non-Chinese are not hard working or not intelligent enough. Many European and American companies in Malaysia are controlled by the Chinese this way.

    Our foolish prime ministers have believed them and allowed the Chinese to hire foreign workers. They hire these foreign because their wages are very low which means that the Chinese run companies have higher profit margins. Have you seen non-Chinese driving around in Maserati's or Lamborghinis or Ferraris? Today, as a result of the Chinese hiring foreign workers, the skill level of Malaysians has dropped drastically. Many Malaysian do not have any skills at all. They sit around coffeeshops and fantasize how great they are when they have not achieved anything. Look around and you will see that the Malaysians with skills are those in their 70's and older. The rest have become blabber mouths about their so called expertise and skills which is a lot of hot air.

    Wickedness in the shops

    Nowadays I make a lot of YouTube videos and many times I write about homemade cost saving devices that help me with my videography. One day recently I decided to make a rotating tray, a lazy susan, to mount items on and rotate them as I make a video of them. I wanted a reflective surface so I decided to make a circular glass plate to place on top of the photography turntable.

    That was when I went to the glass shop. the first shopkeeper told me that a square peice of glass would be RM30 (US$7). If I wanted a circular glass plate it would cost me RM300(US$72). Later I went back to him about an octoganol plate and he told me it could not be done as the glass would break. What a liar he turned out to be.

    I shopped around and found another glass shop and he told me it would cost RM25 (US$6). So I gave him the equations that I had derived to make any size of octogonal plate and where to cut off from the corners. This guy was even more wicked because he gave me a badly scratched glass and scratched my original glass. The Chinese want you to fail at whatever you do. Please see my video below

    Intel IJKK rejects and returns

    I worked in Intel Penang, T3, many years ago. They had IJKK returning all shipment of semiconductor IC's and the top management were at a loss as to how to solve the issue. The IC's were returned by Japan because of a bluish discoloration in the leads of the DIP packages. The management who were all Chinese, could not solve this problem. They rigorously checked the Assembly plant, then the Tin plating shop and the Test plant but no one could solve it. Then one day they decide to let the new hires, like me, to have a go at solving this problem.

    I was escorted through the whole process, from Assembly, tin plating and testing QA. As I examined the situation, I realised that many experts in Chemistry and Material Science could not solve this situation so what could I do? Then one day I took out the lead frame drawings to determined what was 10% of the lead. This was because IJKK were returning the IC's because they claimed that more than 10% of the leads had a bluish tinge. When I looked at the drawings and took measurements of the size of the discoloration of the solder on the leads, I realized that IJKK had applied very tight specifications and were over rejecting for discoloration. They were rejecting for even a 2% to 3% discoloration. So, I came out with drawing to show how much of the lead was 10%. With that all returns from IJKK were stopped and rejects were sent back to IJKK as good units. Did anyone thank me? No, just my immediate supervisor because he had no choice.

    Product Engineer for 8748 single chip microcontrollers

    I was the product engineer for 8748 single chip microcontrollers. The yields were always below 90% and we were assembling and testing tens of thousands per month. How was I trained on the 8748 you may ask? Well they gave me a listing of the tester software and the hardware drawing of the tester and told me I am now the product engineer of the product. I went through everything and learnt how the testing worked.

    Initially, my yields for the 8748's were below 90% but I worked on it. I tackled the simpler problems first and the more difficult problems later. As I worked on the yields, the yields improved until I was getting 99% to 100% yields mainly because I discovered that bad contacts during testing were causing good units to be rejected. After that I was idling most of the time as I had no low yields to investigate. The management then gave me 8X49, 8X51, 8X52 and many other chips to look after. That was when my supervisor told me that all the previous Chinese engineers could not solve the low yield problems so they gave me those products to work on. Did they thank me for it? Many of the Chinese engineers in Intel were furious with me for solving this low yield problem. Such yield improvements are unheard of in the semiconductor industry. In the end I quit Intel and wrote in the employee exit form that Intel is a racist company. This is because non-Chinese were not allowed to be promoted and the management always tried to find fault with them.

    Racism in European and American companies in Malaysia

    I was helping a Muslim friend to turn around his loss-making restaurant. So, for a few months I showed the staff how to make pizza and sourced potatoes and other vegetables at lower costs. It was then that I visited European ingredient manufacturers located in Klang Valley. I hit a brick wall because these companies were controlled by the Chinese. They just would not supply me with any ingredients as I was a non-Chinese. When they found out that I was helping a Muslim restaurant they stopped all communications either by phone or emails. Do you now know how racist the Chinese have become and how they control the Malaysian economy?

    Rubber factory difficulties

    I found a Chinaman to be an investor in a rubber factory as I had solved a major problem in rubber processing. Even though my original work was of lower quality it was of much better quality than the competition. As we started the factory I began working on a new process and over one year I had greatly improved the processed rubber quality. When I showed samples to potential customers all wanted some of my processed rubber. Some of them even wanted to buy the technology out right.

    But then the situation turned sour. My partner's brother decide that he wanted to control the business so he came out with schemes to make me looked bad and falsely accuse me of doing wrong. They fabricated false rumours about me and then stopped my foreign worker permit renewal. They had brought him from the agricultural sector to the industrial sector. Such movement of foreign labour is forbidden. They even arranged suppliers to falsely accuse me of wrong doing. This is the Chinese way. Then they tried to remove me as a director of the company. This they had done to another inventor.

    I explained to my Lord God that I would not lie, cheat, steal or bear false witness. So, the Lord of Host sent his Army and closed the factory. I found out later then the supplier who lied to me ended up creating RM2,000,000 debt and another ended with kidney failure. The Lord's judgement is always there. It may not come immediately but it does come and it can be severe. Another person, an Indian Muslim, who had lied to me many times and never paid my salary for nine months, even though I worked for him to help him turn around his failing business many years earlier, ended up with throat cancer. The throat cancer was to stop him from telling anymore lies. The Lord God hates liars.

    U-Mobile and CTOS

    Many wicked people have climbed their way to the top in the telecommunications industry. I can tell you many stories of how crooked they have become but let me tell you of the most wicked of all.

    Many years ago, I signed up with U-Mobile, a Chinese controlled company, for their ISP plan. Unfortunately, they service was very poor. It broke down frequently and many times I had to move my software development to Puchong and then back to Petaling Jaya. When the service broke down in Petaling Jaya then I moved to Puchong. When the service broke down in Puchong I moved back to Petaling Jaya. It was a miserable time for me. You didn't know when it the ISP, internet access, service would break down and form how many days it would last.

    Calling their tech support was a nightmare. When I got through, they told be that their fibre optic cables were stolen. After sometime they discontinued their support service. I know this because whenever I called their support line no one would answer. At that point I decide to terminate the service. I went to the Tropicana Mall payment booth and informed them I wanted to terminate the service and close the account. They told me they could not do it. Then I searched for all their offices to close the account but nobody allowed me to close my account.

    Worst still nobody answered their help line. So after weeks of tracing their office location I called up the managing director's office and his secretary answered. Then I explained the situation to her and asked her to help me close the account. She told me that she would help me and would call me back but I never heard from her.

    Later I found out that U-Mobile had blacklisted my name under the telecommunications blacklist so that I could not change ISP until I paid their bill. They billed me another 3 months of bill after I had informed the managing directors secretary to close my account. They charged me with an additional RM450/- (US$107/-) after I had stopped using their service.

    I have been blacklisted by U-Mobile for many years and I could not change my telecommunications provider. Whenever I tried, as there were better plans out there, I was told that U-Mobile had blacklisted me. They have blacklisted me for many years.

    Lately, I found out that they have blacklisted me under CTOS, a credit reporting agency. CTOS stands for "Cina Tolong Orang Sendiri" which means the "Chinese only help their own kind". I have been falsely reported to CTOS before and the banks had to withdraw my name from CTOS after their case failed. CTOS abuse is very common in Malaysia.

    Just for RM450 they have blacklisted me under CTOS. As a result, they, U-Mobile, have punished me twice. The first time under the Telecommunications Blacklist and the second time under CTOS. Can you be charged twice for the same offense? Isn't that illegal? Can you see how vile and vicious U-Mobile are for punishing me twice? Tomorrow they will say I owe someone RM1/- (US$0.42/-) and they will backlist me under CTOS again. CTOS is ridiculous and should be shutdown. Many Malaysian institutions have become dirty, crooked, vile and vindictive. Let us see what the Lord God's judgement on them is. As Malaysians we have seen this type of justice before and Malaysians call it "Natural Justice" but it is the Lord God's judgement.

    How does CTOS accept a blacklisting of someone for so little money? RM450 is half a month of minimum wage. It is nonsensical. Is it because they, CTOS & U-Mobile, have a deep hatred of non-Chinese? Will CTOS and U-Mobile pay us compensation?

    Judgement has come before

    When I found my name as the guarantor of a car loan for someone I didn't know, I wrote to the CEO of the bank, a Malay, about this. He never replied. I think he could not care less about the corruption of his bank officers and the hanky panky they carried out within his bank. This same guy, like some hero, decide to make a report about the corruption of a politician. The Lord allowed him to be shot dead. That is the Lord God's judgement as he never bothered about the corruption in his own company but, like some hero, wanted to point out the faults of others. Servers him right.

    Untold wickedness of the Chinese

    Many years ago, when I was working as a real estate agent, I was showing a customer a shop for rent in Bangsar. A few weeks earlier a man was murdered new the shop in Bangsar. My prospective tenant tried bargaining with the owner with the fact that someone had been murdered there so the rent must be lowered. The next day I found out that the landlord had called my prospective tenant's boss and had him sacked. Normally these high calibre people give or are given three months notice to quit but he lost his job with 24 hours notice. The lesson is that if you try to say anything that they think will hurt their business, all the Chinese will come together to kill you. They will show no mercy. They are very communal and very racist and will destroy anyone in their path. Are you like these people?

    Property is controlled by the Chinese

    I used to work as a real estate agent and found out that most Chinese will not co-broke with non-Chinese agents. Worst still most factories and shops are owned by Chinese and they will not allow non-Chinese agents to handle their property. Almost all of them do not want to sell or rent shops and factories to non-Chinese so how are non-Chinese going to run their own shops and start their own factories. If the Chinese do let their shops or factories to non-Chinese they will keep increasing the rent until the non-Chinese tenant transfers all his profits to the landlord as rent. I know of many non-Chinese tenants that had to give up their restaurant business because the rental became unaffordable.

    What is really bad is property developers, who are almost always Chinese, only sell their properties to the Chinese. After that the Chinese buyers mark up the properties by 30% and then sell them to the non-Chinese. That means that most of us non-Chinese have to pay 30% more for properties then the Chinese pay.

    Piracy is a way of life for the Chinese

    When I tried to publish my book on predicting the stock market two Chinese printers copied the entire PDF document. One of the printers had a daughter who, I believe, used my work for her masters program and gave my work away to a Chinese man. That man then published my work on gold price prediction in the Star newspaper, which is a Chinese owned and run newspaper, as if it was his work.

    The Lord God is very smart because I found the mistakes in the gold price prediction and took back my work for correction after the erroneous work was published by the Star newspaper. All parties denied copying my work and all traces of the article was removed from the Star archives. The Lord is smart as He allows me to make mistakes and then corrects them after exposing the fraudulent people around me. I won't be surprised that they are selling the pirated book discretely for their own gain.

    Many Chinese have spread false rumours that my theories do not work to kill my sales. I even traced one of these commentators by their IP address to a bank in Singapore. From there you can see how wide spread Chinese hatred of non-Chinese is.

    They have no mercy for the non-Chinese. Are you like the Chinese? Are you treating the Blacks like the way the Chinese have treated the non-Chinese in Malaysia?

    Destruction of the world is near

    I must warn you, dear reader, that there is terrible judgement on its way to this country and around the world. Three times I was taken up into heavenly realms by angels when I was a child. They took me around the world and showed me the mass destruction that is coming. Thank you Lord for the long awaited coming judgement. They deserve it.

    The Lord God asked me to write this article because of the severe judgement coming on the Chinese. It will be so severe that none may survive. Is it too late for them to repent and change their ways?

    - Dr. Peter Achutha, 19th September 2020

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