Malicious DNS Servers Used by Criminals. PLease see yahoo article:
http://news.yahoo.com/s/macworld/phishing20071211
In my previous Article "Mass Identity Theft Means the System is Obsolete" I mentioned what I see as an obsolete internet financial system incapable of protecting free world identities.
This yahoo article identifies around 68,000 DNS servers which basically are basically de facto .4 percent of the internet in the United States as "Behaving maliciously or delivering false answers to internet inquiries. What this means is one of two things. Either they are malfunctioning or they are being tampered with by criminal hackers either inside or outside of the United States. Such a server could be programmed by a hacker to for example retrieve credit card numbers of all people who are unlucky enough to be directed to that particular server while making an online purchase of any amount during Christmas.
Because of flaws like this I refuse to buy anything direct over the internet unless they have an 800 number that I can access with a land line. Even doing this isn't perfect but at least it is not like playing Russian Roulette with your Credit card number being the Gun pointed at your own head over the internet!
Tuesday, December 11, 2007
No More Northern Ice?
No More Northern Ice? I was reading about what Al Gore was saying about how all northern Ice could be gone in the summers in as soon as 7 years all the way to the north pole. Some shipping businesses and oil companies think this is great for making money but the poor living on the equator just think it is a slow ticket to death for them and their lives, and properties and livelihoods and countries.
Financial world problems have at least some hope of resolution. However, as a psychic there isn't really a hopeful solution to global weather changes and hasn't been one since about 1900 AD. By 1900 we had already passed over the threshold into something different.
Now it is inevitable that we probably will at least reach 74degrees farenheit average temperature at the north pole. So if most people aren't living near the north pole in places like northern China, Siberia, northern Mongolia,or Canada High in the Himalayas, High in the Andes, Alps, Rockies, Sierras, Urals etc. or near the south pole world wide then they will be pretty miserable or dead. This timeline is within 300 years at this point unfortunately.
At this point going as green as possible likely will mean the difference between whether all the races and any of the human race survives out the other side of this or not. Already, I can guarantee your children, grandchildren and greatgrandchildren will curse you and I and our ancestors for visiting the hell they will go through on them. However, they also will understand most people were ignorant of what was going on until it was too late. And even those who knew about it would have had to commit suicide en masse by the billions in order to stop it and do something else.
NO, now what we are dealing with primarily is thousands of years of complacency and people used to doing mostly the same things. People who don't radically change their lives now and their childrens simply will go extinct within 300 years. That is a given. If you ask any precognitive psychic who like me can see the far future then they will tell you the same thing I'm saying.
For me, it is just as if I had binoculars and most other people don't. I have been watching what I have seen ahead of time happen most of my life. Sometimes, it makes me happy when something good happens but more and more it just makes me sick to watch so many die unnecessarily now and in the near future.
Mostly, those who survive in the future are the most mentally and physically adaptable and the most criminal and crazy survivors. These have always the kinds of people who tend to survive bad things. It has always been this way and I guess it always will be.
Financial world problems have at least some hope of resolution. However, as a psychic there isn't really a hopeful solution to global weather changes and hasn't been one since about 1900 AD. By 1900 we had already passed over the threshold into something different.
Now it is inevitable that we probably will at least reach 74degrees farenheit average temperature at the north pole. So if most people aren't living near the north pole in places like northern China, Siberia, northern Mongolia,or Canada High in the Himalayas, High in the Andes, Alps, Rockies, Sierras, Urals etc. or near the south pole world wide then they will be pretty miserable or dead. This timeline is within 300 years at this point unfortunately.
At this point going as green as possible likely will mean the difference between whether all the races and any of the human race survives out the other side of this or not. Already, I can guarantee your children, grandchildren and greatgrandchildren will curse you and I and our ancestors for visiting the hell they will go through on them. However, they also will understand most people were ignorant of what was going on until it was too late. And even those who knew about it would have had to commit suicide en masse by the billions in order to stop it and do something else.
NO, now what we are dealing with primarily is thousands of years of complacency and people used to doing mostly the same things. People who don't radically change their lives now and their childrens simply will go extinct within 300 years. That is a given. If you ask any precognitive psychic who like me can see the far future then they will tell you the same thing I'm saying.
For me, it is just as if I had binoculars and most other people don't. I have been watching what I have seen ahead of time happen most of my life. Sometimes, it makes me happy when something good happens but more and more it just makes me sick to watch so many die unnecessarily now and in the near future.
Mostly, those who survive in the future are the most mentally and physically adaptable and the most criminal and crazy survivors. These have always the kinds of people who tend to survive bad things. It has always been this way and I guess it always will be.
Mass Identity Theft Means the System is Obsolete
Mass Identity Theft Means the System is Obsolete.I'm sure many of you read of how about 25 million people in Great Britain's identities and credit card number were lost. It didn't surprise me and many of you that soon a whole city in England's people had their identities and credit cards compromised. When something this extreme happens in the free world it is time to question the whole system and consider it Obsolete.
In a similar vein the concept of "Stolen Value" has occured in the Adjustable Rate Mortgages. By unscrupulous people handing out these loans over the internet they didn't have to look into the eyes of those receiving the loans in many cases and so the people they were ripping off long term because of most of their ignorance about what an adjustable rate mortgage can do if the value of your house drops prevented them from understanding what could really happen not only to them but to our whole nation and to all the investors worldwide in these loans would be harmed as they are now.
The next stage will be all the business "Sharks" worldwide to buy up all these now "Worthless" properties at pennies on the dollar. One must consider the possibility of some very serious very rich white collar criminals or terrorists having been instrumental in planning this in the late 1990's. Meanwhile, everyone's property is suffering in value in the United States. In other words most properties are seriously dropping in value, the worst are dropping in value between 30 to 35 percent as of right now.
I submit to you one of the many causes of this debacle is business conducted on the internet. Some of you might understand as I do that for example Windows systems are still(as far as I know) based upon a krnl(kernal) that is the same as it was in 1980. The original Windows PC program was never designed for the internet because the idea of one existing on micro computers hadn't been thought of yet or if it had it wasn't designed for by programmers yet. The problem is like if a person built a small pyramid of bricks and then every 2 to 5 years built a bigger and prettier ones on top of the little ones. This would be fine except the little one wasn't designed for the bigger ones using it as their central base. If you look at the way our financial systems are set up or you look at the haphazard way (like a child's building blocks through the ceiling Windows has pyramided one top the next then you can see the multiple problems that likely would inevitably arise.
However, now the whole system is defunct. Without trust their can't be ANY safe identities (at least in the free world) and more and more people will likely after losing their homes and going bankrupt with Chapter 11 or Chapter 13 won't trust this free world economic system anymore!
I, personally, if I had been through this would find ways to disconnect myself as much as possible from such a dysfunctional system. I would join barter groups, withdraw at least 1000 dollars from the banks and keep it somewhere else, or even bury 25,000 in the yard somewhere like my grandfather did during the great depression when one couldn't trust the banks.
In case this whole thing collapses like it looks like it still could in the next 5 years I would keep at least 1000 dollars in cash somewhere just to escape if I lived in a big city, especially. The free world just doesn't seem to be plugging the identity theft dike fast enough or stopping the value flowing out of the free world's financial Dam from free world properties to the hands of criminals and terrorists. I'm very concerned that we are witnessing the beginning of the end of the free world. I seriously hope I'm wrong.
In a similar vein the concept of "Stolen Value" has occured in the Adjustable Rate Mortgages. By unscrupulous people handing out these loans over the internet they didn't have to look into the eyes of those receiving the loans in many cases and so the people they were ripping off long term because of most of their ignorance about what an adjustable rate mortgage can do if the value of your house drops prevented them from understanding what could really happen not only to them but to our whole nation and to all the investors worldwide in these loans would be harmed as they are now.
The next stage will be all the business "Sharks" worldwide to buy up all these now "Worthless" properties at pennies on the dollar. One must consider the possibility of some very serious very rich white collar criminals or terrorists having been instrumental in planning this in the late 1990's. Meanwhile, everyone's property is suffering in value in the United States. In other words most properties are seriously dropping in value, the worst are dropping in value between 30 to 35 percent as of right now.
I submit to you one of the many causes of this debacle is business conducted on the internet. Some of you might understand as I do that for example Windows systems are still(as far as I know) based upon a krnl(kernal) that is the same as it was in 1980. The original Windows PC program was never designed for the internet because the idea of one existing on micro computers hadn't been thought of yet or if it had it wasn't designed for by programmers yet. The problem is like if a person built a small pyramid of bricks and then every 2 to 5 years built a bigger and prettier ones on top of the little ones. This would be fine except the little one wasn't designed for the bigger ones using it as their central base. If you look at the way our financial systems are set up or you look at the haphazard way (like a child's building blocks through the ceiling Windows has pyramided one top the next then you can see the multiple problems that likely would inevitably arise.
However, now the whole system is defunct. Without trust their can't be ANY safe identities (at least in the free world) and more and more people will likely after losing their homes and going bankrupt with Chapter 11 or Chapter 13 won't trust this free world economic system anymore!
I, personally, if I had been through this would find ways to disconnect myself as much as possible from such a dysfunctional system. I would join barter groups, withdraw at least 1000 dollars from the banks and keep it somewhere else, or even bury 25,000 in the yard somewhere like my grandfather did during the great depression when one couldn't trust the banks.
In case this whole thing collapses like it looks like it still could in the next 5 years I would keep at least 1000 dollars in cash somewhere just to escape if I lived in a big city, especially. The free world just doesn't seem to be plugging the identity theft dike fast enough or stopping the value flowing out of the free world's financial Dam from free world properties to the hands of criminals and terrorists. I'm very concerned that we are witnessing the beginning of the end of the free world. I seriously hope I'm wrong.
Sunday, December 9, 2007
What is Important?
What is Important?
Answer: Be as kind as you can be to all beings and still survive and have a good life.
Answer: Be as kind as you can be to all beings and still survive and have a good life.
Crystals
Crystals. My 18 year old daughter is very intuitive like me. She said, "I want to get a crystal to give to someone. Let's Stop at the Crystal Shop so I can get a good one. I wanted to get back to the California Coast as I had already driving 6 hours the day before and 4 hours today up into Oregon and Back to Shasta. So I just wanted to get home even though I love Mt. Shasta. Also, when I woke up this morning the wind chill was 20 degrees Fahrenheit, not a temperature I was used after living on a coast for several years. As I drove this morning the roads were frozen over with black Ice. I was Glad to have a 4 wheel drive SUV and ABS braking this morning.
Anyway, I followed my daughter into the Crystal shop like a dutiful father but not wanting to really be there, wanting instead to just get home. I looked at a shelf of CD's and felt drawn to one by Steven Halpern playing Crystal Bowls. I didn't know where that came from. Anyway, the lady there had my daughter become a body pendulum. (Something I never had seen done before). (In the 80's I used to use prayer beads and the like as divination pendulums with some success. However, it is important to remember that if the answer is yes/no then unless you have the right question the answer is meaningless. That is the most useful thing I can say about pendulums. Otherwise, they are just like a computer, Garbage in, Garbage out. Good questions in, Good answers out. So as in all aspects of life if you aren't good at formulating the right question, it might be hard for God to help you the way you would like.
I used cross checking pendulums with my wife then in August 1989 to see when the Loma Prieto Earthquake would happen and we narrowed it down to one week and the location by using a pendulum. However, I sometimes get creeped out using a pendulum myself so after that earthquake generally I stopped using pendulums because the earthquake aftermath was just to horrifying for me as a precognitive psychic. Too many people died and I was only able to protect my own family as very few people listened to me. This taught me some very hard lessons which I haven't forgotten to this day.
Anyway, my daughter got her crystal and we headed home to the coast.
I asked the lady there who seemed fairly tuned in if she had spoken (communicated with) the crystals. I realized after a few words she was able to communicate with them. My first experience was sitting on the cliffs near Big Sur in about 1980 or 81. I was pretty upset because my life was doing what I wanted at the time. So I noticed the cliff rocks were communicating with me. I thought this was pretty strange at the time but as a psychic one has to expect odd things to happen just like you pretty much expect odd things to happen in your dreams. For me, it isn't just during my nightime dreams when odd things can happen.
At the time I thought rocks talking to me was a oddity. But then I was studying with Charlie Thom a Karok medicine man and he spoke of his thousands of year traditions handed down father to son concerning the "Rock People". I asked Charlie about this and he said the rock people had spoken with the medicine people of his tribe and helped keep his tribe alive always. So with thousands of years of tradition I realized that I was not the only person that the rocks had spoken with.
Charlie also wrote stories about his experiences with Bigfoot. Native American people speak about such things in very different ways than most secular Christians do. So please forgive me trying to explain something that I was not raised to think of in this way. What I understood in reading this story 3rd person is that a Bigfoot to his tribe is supernatural to the tribe sort of like a bear but maybe moreso and had been for thousands of years. Bigfoot beings are not exactly like humans but not exactly like Apes, it is as if a Bigfoot is an Ape man or apewoman with special abilities that humans aren't presently manifesting. I gathered that this creature can make your mind think that it is a deer, a rock, a tree or anything. So you might be looking directly at a Bigfoot and not know it is a bigfoot. The bigfoot has the ability to do this. So if a photo is taken of a bigfoot, it is always when the bigfoot is off guard and is unaware of the man or woman. Because if it is aware he or she will make you think he or she is something else. If there is a yeti I think it does the same thing.
Also, it might be possible that a Bigfoot or Yeti could mate with a human by pretending to be something else or someone else. That's all I want to say. Also, most of this is my own conjecture and shouldn't be attributed at all to Charlie Thom.
I would also like to relate a true story told to me by a Catholic Priest who who has an IQ of about 200 and who is very intuitively gifted and speaks about 20 languages.
He said that he read in the newspaper that some young people had been frightened by an ape like being drinking from a fish pond in front of a house. However, when the priest looked at the house number it was his own. Also, he noticed that the ape like being perfectly matched the description of local indian tribes of the bigfoot creatures in his area for hundred if not thousands of years. They were described as silver hair to the shoulders and brown hair from the shoulder down to their feet. This is what the young people saw and were terrified to see it drinking from the fish pond. It also turned out that the priest at this exact time was taking a nap on the other side of the wall to the fish pond and dreaming about an elf or gnome who walked up to him and talked to him at the exact moment that the bigfoot native to that area was drinking from his fish pond outside. All these events happened at the same time and left the priest thinking that somehow they were all related somehow. What do you think?
Anyway, I followed my daughter into the Crystal shop like a dutiful father but not wanting to really be there, wanting instead to just get home. I looked at a shelf of CD's and felt drawn to one by Steven Halpern playing Crystal Bowls. I didn't know where that came from. Anyway, the lady there had my daughter become a body pendulum. (Something I never had seen done before). (In the 80's I used to use prayer beads and the like as divination pendulums with some success. However, it is important to remember that if the answer is yes/no then unless you have the right question the answer is meaningless. That is the most useful thing I can say about pendulums. Otherwise, they are just like a computer, Garbage in, Garbage out. Good questions in, Good answers out. So as in all aspects of life if you aren't good at formulating the right question, it might be hard for God to help you the way you would like.
I used cross checking pendulums with my wife then in August 1989 to see when the Loma Prieto Earthquake would happen and we narrowed it down to one week and the location by using a pendulum. However, I sometimes get creeped out using a pendulum myself so after that earthquake generally I stopped using pendulums because the earthquake aftermath was just to horrifying for me as a precognitive psychic. Too many people died and I was only able to protect my own family as very few people listened to me. This taught me some very hard lessons which I haven't forgotten to this day.
Anyway, my daughter got her crystal and we headed home to the coast.
I asked the lady there who seemed fairly tuned in if she had spoken (communicated with) the crystals. I realized after a few words she was able to communicate with them. My first experience was sitting on the cliffs near Big Sur in about 1980 or 81. I was pretty upset because my life was doing what I wanted at the time. So I noticed the cliff rocks were communicating with me. I thought this was pretty strange at the time but as a psychic one has to expect odd things to happen just like you pretty much expect odd things to happen in your dreams. For me, it isn't just during my nightime dreams when odd things can happen.
At the time I thought rocks talking to me was a oddity. But then I was studying with Charlie Thom a Karok medicine man and he spoke of his thousands of year traditions handed down father to son concerning the "Rock People". I asked Charlie about this and he said the rock people had spoken with the medicine people of his tribe and helped keep his tribe alive always. So with thousands of years of tradition I realized that I was not the only person that the rocks had spoken with.
Charlie also wrote stories about his experiences with Bigfoot. Native American people speak about such things in very different ways than most secular Christians do. So please forgive me trying to explain something that I was not raised to think of in this way. What I understood in reading this story 3rd person is that a Bigfoot to his tribe is supernatural to the tribe sort of like a bear but maybe moreso and had been for thousands of years. Bigfoot beings are not exactly like humans but not exactly like Apes, it is as if a Bigfoot is an Ape man or apewoman with special abilities that humans aren't presently manifesting. I gathered that this creature can make your mind think that it is a deer, a rock, a tree or anything. So you might be looking directly at a Bigfoot and not know it is a bigfoot. The bigfoot has the ability to do this. So if a photo is taken of a bigfoot, it is always when the bigfoot is off guard and is unaware of the man or woman. Because if it is aware he or she will make you think he or she is something else. If there is a yeti I think it does the same thing.
Also, it might be possible that a Bigfoot or Yeti could mate with a human by pretending to be something else or someone else. That's all I want to say. Also, most of this is my own conjecture and shouldn't be attributed at all to Charlie Thom.
I would also like to relate a true story told to me by a Catholic Priest who who has an IQ of about 200 and who is very intuitively gifted and speaks about 20 languages.
He said that he read in the newspaper that some young people had been frightened by an ape like being drinking from a fish pond in front of a house. However, when the priest looked at the house number it was his own. Also, he noticed that the ape like being perfectly matched the description of local indian tribes of the bigfoot creatures in his area for hundred if not thousands of years. They were described as silver hair to the shoulders and brown hair from the shoulder down to their feet. This is what the young people saw and were terrified to see it drinking from the fish pond. It also turned out that the priest at this exact time was taking a nap on the other side of the wall to the fish pond and dreaming about an elf or gnome who walked up to him and talked to him at the exact moment that the bigfoot native to that area was drinking from his fish pond outside. All these events happened at the same time and left the priest thinking that somehow they were all related somehow. What do you think?
Actions Speak Louder Than Words
Actions Speak Louder Than Words. I was explaining to my wife and daughter what is important to a man. Basically, I said, "Men don't really care what anyone says ever. They only care what people do." I explained the reason for this is that most men at least of my era and before had plenty of instances of being stabbed in the back either metaphorically or physically. So those of us who tended to survive all this to actually have a family and make sure their kids grew up and had kids of their own developed this strategy of "Always watching what people do." We pretend to care what people are saying but really what we are doing is watching them for signs of craziness, violent tendencies anything out of the ordinary. So for the average guy (at least) raising a family is a lot like being a guard dog or more appropriately, a wolf. Because a wolf doesn't bark, he can run backwards if he needs to almost as fast as he can run forward and he is always watching to see what everyone and every being is doing at all times.
Men who are not like this very often don't survive to 30 or if they do likely they never will marry. Guys who are always on guard like this are in demand with the women if they not only guard but they are kind and good with kids. So there you have an ideal mate for a women that wants kids. A Guard wolf who is fierce when necessary, always on guard, kind to his mate and good with the cubs(kids). Actions Speak Louder Than Words in this sense to both men and women.
Men who are not like this very often don't survive to 30 or if they do likely they never will marry. Guys who are always on guard like this are in demand with the women if they not only guard but they are kind and good with kids. So there you have an ideal mate for a women that wants kids. A Guard wolf who is fierce when necessary, always on guard, kind to his mate and good with the cubs(kids). Actions Speak Louder Than Words in this sense to both men and women.
Thursday, December 6, 2007
The Leisure to Practice
The Leisure to Practice. What is the Leisure to Practice? I have thought about this a lot. I can tell you what it is to me but then I'd like to say what it might be for you.
For me, personally, the Leisure to Practice means that I don't have to worry about working at a job and struggling day after day to just pay the bills to not drown in them one day. It means that I can set my own schedule on my own biorythms and I can tune into my precognitions and dreams and I can pray and meditate as often and whenever or wherever I like without my thoughts being forced toward the next buck I have to make to survive and to support my family. That is what it means to me.
It also means that I am moving toward always being in the right place at the right time for the maximum benefit both physically, monetarily, emotionally, and spiritually for all beings in the universe. It means that I am perfecting spontaneous accomplishment of the same sort Jesus and Buddha lived. So it means to me that I am on the path of a compassionate siddha and moving toward Mahasiddha as quickly and as efficiently and as compassionately as possible for the benefit of myself and all being in the universe.That, is what the Leisure to Practice Is to me.
However, after thinking about this a lot since I have had leisure to practice for at least 10 years now, leisure to practice for you might be something entirely different. It might be just having the time and money to visit your kids or parents on an extended visit. It might be visiting Rome, Italy or Dharmsala, India or wherever your heart is drawing you. It could be any constructive use of your time, even if it is daydreaming or inventing new books, stories for children, gardening, hiking, playing music or listening to it. In other words leisure to practice might be the most wonderful series of days, weeks, months and/or years thus far in your life!
For me, personally, the Leisure to Practice means that I don't have to worry about working at a job and struggling day after day to just pay the bills to not drown in them one day. It means that I can set my own schedule on my own biorythms and I can tune into my precognitions and dreams and I can pray and meditate as often and whenever or wherever I like without my thoughts being forced toward the next buck I have to make to survive and to support my family. That is what it means to me.
It also means that I am moving toward always being in the right place at the right time for the maximum benefit both physically, monetarily, emotionally, and spiritually for all beings in the universe. It means that I am perfecting spontaneous accomplishment of the same sort Jesus and Buddha lived. So it means to me that I am on the path of a compassionate siddha and moving toward Mahasiddha as quickly and as efficiently and as compassionately as possible for the benefit of myself and all being in the universe.That, is what the Leisure to Practice Is to me.
However, after thinking about this a lot since I have had leisure to practice for at least 10 years now, leisure to practice for you might be something entirely different. It might be just having the time and money to visit your kids or parents on an extended visit. It might be visiting Rome, Italy or Dharmsala, India or wherever your heart is drawing you. It could be any constructive use of your time, even if it is daydreaming or inventing new books, stories for children, gardening, hiking, playing music or listening to it. In other words leisure to practice might be the most wonderful series of days, weeks, months and/or years thus far in your life!
Wednesday, December 5, 2007
Nuclear Questions?
Nuclear Questions? Though I'm very grateful we aren't going to war with Iran any time soon as many people on earth are also, I still have a burning question to ask everyone.
Why should Iran develop nuclear weapons if it can buy the plans from North Korea or steal nuclear weapons from Pakistan in an unguarded moment? After all, it is common knowledge that it already has missiles that can go from 800 to 1800 miles right now in its stockpile of weapons.
What is really going on with this admission by the Bush administration probably has more to do with a new Presidential administration coming in soon than anything else. Also, it is only polite for each President to tie up his political affairs so he doesn't visit upon the next president or presidents his affairs and baggage. This leaves the next President free to go in his or her own directions as much as possible.
This is the real beauty of our form of government. It never really gets stale because it keeps changing and adapting with the times we live in.
Why should Iran develop nuclear weapons if it can buy the plans from North Korea or steal nuclear weapons from Pakistan in an unguarded moment? After all, it is common knowledge that it already has missiles that can go from 800 to 1800 miles right now in its stockpile of weapons.
What is really going on with this admission by the Bush administration probably has more to do with a new Presidential administration coming in soon than anything else. Also, it is only polite for each President to tie up his political affairs so he doesn't visit upon the next president or presidents his affairs and baggage. This leaves the next President free to go in his or her own directions as much as possible.
This is the real beauty of our form of government. It never really gets stale because it keeps changing and adapting with the times we live in.
What is Possible for Humankind? 2
What is Possible for Humankind2? To understand fully what is possible for humankind one must also understand fully what is not possible in order to be levelheaded enough to actually create what is possible in a grounded enough way to actually make it work long term. Almost any fool can make something wonderful happen for a night or a weekend but if one wants something to last and be beneficent for all mankind and all beings on earth and beyond, one needs to make a more complete study and be very compassionate and yet very disciplined in their approach to this subject. I have definitely suffered enough to take this subject seriously, yet not enough to unhinge my mind like it has so many others. My suffering has not really been that much physically, even though I almost died of whooping cough at age 2, then almost died from childhood epilepsy from ages 10 to 15, and then was considered a dying person by all my doctors when they couldn't properly diagnose my heart virus at age 49 and 50 (even though during the angiogram they said I had the cleanest arteries and veins of any person they had ever seen and were jealous)(I guess they had never seen anyone who had been a vegetarian since birth to age 32(I'm still 95% vegetarian from 32 to 59 at present).
Anyway, the point I'm trying to make is that I definitely have known what it is to expect that I wouldn't survive another day and have learned to make peace with the Creator.
What comes from this experience? For me, what comes from near death experiences is a level of honesty that I don't see very many people experiencing in their everyday lives. KNOW THE TRUTH AND THE TRUTH WILL SET YOU FREE! Well, one is set free from the honesty one lives and shares from learning the truth about EVERYTHING!
Another strange experience I have had that I have noticed over and over again that experiences that would kill or drive insane most people I go through and come back stronger each time. I believe the reason for this is that whenever God takes me to the edge I jump into God's arms. At night when I'm really at the end of my rope and know I'm done for I will say, "God take me. Let me die! I live or I die for you by your Grace!"
So I wake up the next day after doing this reborn as God has willed it!
I think it is sort of like the old saying, "Hope Springs Eternal if we Die Daily!"
By living this saying I have survived everything in my life I never expected to!
And by the way if you are agnostic or atheistic temporarily or permanently I get you too. I totally understand that just surviving here in this place we call earth is a really tough thing to do. I believe that if it takes believing the moon is made of green cheese then people should do that. As long as your basis is not to harm yourself or others I don't have a problem with your process, just don't force your process on me! Whether they be Atheistic, Agnostic, Religious or spiritual forcing your ideas on others is a fundamentalist process that always results in the insanity and death to the others being forced to conform!
So I have just as big a problem with fundamentalist Atheists as I do with fundamentalist Scientists,or the fundamentalists of any religion!
Freedom to choose ones basis of reality is necessary to prevent wars and violence of all kinds. Without the freedom to choose ones reality there will never be peace and there will always be violence and insanity! So, it is not just Freedom of Religion that is important. It is just as important to have the freedom to not have a religion or the freedom to design ones own religion or the freedom to be a humanist, agnostic or Atheist. People need to be free to be whoever they need to be as long as it doesn't harm other beings on earth including humans!
I grew up in a Christian America. Though I understand that it is Politically Correct not to have Christmas Carols playing everywhere like they used to I find I really miss them being played everywhere like it used to be.
I think it is possible to try so hard to be everything to everyone that one loses EVERYTHING in the process. I think Political correctness is guilty of throwing out the baby with the bathwater leaving us all childless and alone and miserable in the process. Peace is important but so is individuality. Without both we have lost what is most important about being human!
What is possible for Humankind will never be fully known until all people on earth at least have food, clothing, and shelter even if that is a tent in warmer climates. Until this happens to be human is to be a joke! How can any of us look ourselves in the mirror as long as even one of us doesn't have food? So I say to you there can be no real progress on earth and wars cannot and will not be eliminated as long as there is even one person on earth without food, shelter and clothing.
Anyway, the point I'm trying to make is that I definitely have known what it is to expect that I wouldn't survive another day and have learned to make peace with the Creator.
What comes from this experience? For me, what comes from near death experiences is a level of honesty that I don't see very many people experiencing in their everyday lives. KNOW THE TRUTH AND THE TRUTH WILL SET YOU FREE! Well, one is set free from the honesty one lives and shares from learning the truth about EVERYTHING!
Another strange experience I have had that I have noticed over and over again that experiences that would kill or drive insane most people I go through and come back stronger each time. I believe the reason for this is that whenever God takes me to the edge I jump into God's arms. At night when I'm really at the end of my rope and know I'm done for I will say, "God take me. Let me die! I live or I die for you by your Grace!"
So I wake up the next day after doing this reborn as God has willed it!
I think it is sort of like the old saying, "Hope Springs Eternal if we Die Daily!"
By living this saying I have survived everything in my life I never expected to!
And by the way if you are agnostic or atheistic temporarily or permanently I get you too. I totally understand that just surviving here in this place we call earth is a really tough thing to do. I believe that if it takes believing the moon is made of green cheese then people should do that. As long as your basis is not to harm yourself or others I don't have a problem with your process, just don't force your process on me! Whether they be Atheistic, Agnostic, Religious or spiritual forcing your ideas on others is a fundamentalist process that always results in the insanity and death to the others being forced to conform!
So I have just as big a problem with fundamentalist Atheists as I do with fundamentalist Scientists,or the fundamentalists of any religion!
Freedom to choose ones basis of reality is necessary to prevent wars and violence of all kinds. Without the freedom to choose ones reality there will never be peace and there will always be violence and insanity! So, it is not just Freedom of Religion that is important. It is just as important to have the freedom to not have a religion or the freedom to design ones own religion or the freedom to be a humanist, agnostic or Atheist. People need to be free to be whoever they need to be as long as it doesn't harm other beings on earth including humans!
I grew up in a Christian America. Though I understand that it is Politically Correct not to have Christmas Carols playing everywhere like they used to I find I really miss them being played everywhere like it used to be.
I think it is possible to try so hard to be everything to everyone that one loses EVERYTHING in the process. I think Political correctness is guilty of throwing out the baby with the bathwater leaving us all childless and alone and miserable in the process. Peace is important but so is individuality. Without both we have lost what is most important about being human!
What is possible for Humankind will never be fully known until all people on earth at least have food, clothing, and shelter even if that is a tent in warmer climates. Until this happens to be human is to be a joke! How can any of us look ourselves in the mirror as long as even one of us doesn't have food? So I say to you there can be no real progress on earth and wars cannot and will not be eliminated as long as there is even one person on earth without food, shelter and clothing.
Tuesday, December 4, 2007
December 21st 2012
December 21st 2012. I have known about this date for years now. I remember when I was on Mt. Shasta in 1987 a lot of people were talking about this date but there wasn't as much research by astronomers and scientists as there has been now worldwide.
According to research already done the most extreme pulls of gravity from the core of the Galaxy and from the alignment of all of the planets and the sun itself will be on December 21st 2012. However, since that is the peak day it is possible that we here on earth will be affected for a couple of years during this time. Some scientists theorize that the pulls could be like an extreme full moon kind of experience and felt by all life on earth in a variety of ways. Therefore, to think that only this date is important is not the only thing going on. Also, for sure the sun will reverse its poles which is does every 11 years during the regular sunspot cycle. Right now its north pole is where our south pole is and its south pole is where our north pole is. Scientists believe this is a more natural place for the sun poles to be for earth because opposites attract. However, in 2012 it will switch back to the north pole being where our earth north pole is and the south pole being where our south pole is and then the poles will repel. I don't understand the affects of all this scientifically to comment further.
It is quite possible that December 21st 2012 will be as relatively harmless as Y2K for those of you who remember the concern about computers worldwide shutting down on New Years Eve 1999 or it could be earthquakes and Plasma from the sun creating electrical blackouts worldwide like never before in history or it could be something in between. Like I have said in other articles it would seem like an opportune time for a 2nd coming. Likely, someone like Jesus or Buddha would be born on or near this date on earth. If this happens I believe this being would be sacred not only on earth but to all civilizations throughout this galaxy.
Also, in case of the plasma cooking all life on earth or earthquakes causing problems or the magnetic north pole becoming magnetic south pole and vice versa, it might be useful if one or more person in each family was intuitive enough to get people underground if there is a plasma stream from the sun to save their lives or to keep them above ground before an earthquake or on high ground if there is a tsunami and to be frank I have no idea what one does if the North magnetic pole becomes the south magnetic pole and vice versa. Hopefully, if some scientist knows would they please inform the rest of us amateurs?
As I was growing up since my relatives have been on the North American Continent since about 1720 I was always taught, "Hope for the best but prepare for the worst." I have found this pioneer survival spirit something worth teaching my children, most of whom are in their thirties except two. Living in this way one tends to survive whatever comes!
According to research already done the most extreme pulls of gravity from the core of the Galaxy and from the alignment of all of the planets and the sun itself will be on December 21st 2012. However, since that is the peak day it is possible that we here on earth will be affected for a couple of years during this time. Some scientists theorize that the pulls could be like an extreme full moon kind of experience and felt by all life on earth in a variety of ways. Therefore, to think that only this date is important is not the only thing going on. Also, for sure the sun will reverse its poles which is does every 11 years during the regular sunspot cycle. Right now its north pole is where our south pole is and its south pole is where our north pole is. Scientists believe this is a more natural place for the sun poles to be for earth because opposites attract. However, in 2012 it will switch back to the north pole being where our earth north pole is and the south pole being where our south pole is and then the poles will repel. I don't understand the affects of all this scientifically to comment further.
It is quite possible that December 21st 2012 will be as relatively harmless as Y2K for those of you who remember the concern about computers worldwide shutting down on New Years Eve 1999 or it could be earthquakes and Plasma from the sun creating electrical blackouts worldwide like never before in history or it could be something in between. Like I have said in other articles it would seem like an opportune time for a 2nd coming. Likely, someone like Jesus or Buddha would be born on or near this date on earth. If this happens I believe this being would be sacred not only on earth but to all civilizations throughout this galaxy.
Also, in case of the plasma cooking all life on earth or earthquakes causing problems or the magnetic north pole becoming magnetic south pole and vice versa, it might be useful if one or more person in each family was intuitive enough to get people underground if there is a plasma stream from the sun to save their lives or to keep them above ground before an earthquake or on high ground if there is a tsunami and to be frank I have no idea what one does if the North magnetic pole becomes the south magnetic pole and vice versa. Hopefully, if some scientist knows would they please inform the rest of us amateurs?
As I was growing up since my relatives have been on the North American Continent since about 1720 I was always taught, "Hope for the best but prepare for the worst." I have found this pioneer survival spirit something worth teaching my children, most of whom are in their thirties except two. Living in this way one tends to survive whatever comes!
Galactic Sunrise
Galactic sunrise. As I was doing research about 12-21-12 I discovered many things. One of the more interesting to me as a precognitive psychic was local sidereal time. Local sidereal time is what time or position the center of the galaxy is in relative to you at any given moment. Since, as earth spins in relation to the sun ,as earth spins the galaxy spins around earth at the same time. It rotates around the earth in about 23 hour and 56 minute intervals. It does not go around in 24 hour intevals because of its position relative to us. Astronomers use local sidereal time to figure out where the galaxy and different constellations will be at any given moment on earth as a way to calibrate their astronomical instruments like telescopes.
For me, personally as a precognitive psychic it has been found that the most accurate time during the day for picking up psychic impressions and stuff is around 13:30 local sidereal time(Galactic Sunrise) when the galaxy first rises like the sun or moon each day. There are sidereal time applications online for astronomers and physicists so you can find out exactly when 13:30 hours is locally where you live on the planet on any given day out of the 23 hour 56 minute spinning of earth which gives the illusion of the galaxy spinning. The galaxy remains relatively stationary in relation at least to earth. Only earth is spinning in this interaction. Though the galaxy also spins it is so slow as to be imperceptible to humans on earth. Likewise it travels through space time and the void like all other galaxies on the cosmic ocean sort of like one of many jellyfishes on a cosmic ocean.
For me, personally as a precognitive psychic it has been found that the most accurate time during the day for picking up psychic impressions and stuff is around 13:30 local sidereal time(Galactic Sunrise) when the galaxy first rises like the sun or moon each day. There are sidereal time applications online for astronomers and physicists so you can find out exactly when 13:30 hours is locally where you live on the planet on any given day out of the 23 hour 56 minute spinning of earth which gives the illusion of the galaxy spinning. The galaxy remains relatively stationary in relation at least to earth. Only earth is spinning in this interaction. Though the galaxy also spins it is so slow as to be imperceptible to humans on earth. Likewise it travels through space time and the void like all other galaxies on the cosmic ocean sort of like one of many jellyfishes on a cosmic ocean.
Rumors of Censorship
Rumors of Censorship.First of all I'd like to say that I don't think I will be censored simply because I don't believe that 12-21-12 is a doomsday. Rather I believe it to be the birth of the Second Coming. I believe just like the Natal Star and the Wise Men came to Jesus' birth that he will be born again possibly on this date in a human body on earth.
Since the Governments of the world are worried about a mass panic on this date because it is the end of the Mayan Calendar and does result in a once every 26,000 year alignment not only of all the planets but of the entire Galaxy many astronomers and Seismologists, and Oceanographers are worried. And I would agree that it is possible that there could be at the very least earthquakes around this time. However, I see it not just and an end to a cycle but also as the beginning of a new one.
Because of this we might see the many worldwide sites dedicated in part or full to a better understanding of 12-21-12 shut down or interfered with. Governments aren't really worried about rational people like you and I. They are worried about those less educated people and possibly less disciplined in their approach to life. So it would be less people who use computers that they would worry about and more people who tend naturally to be more superstitious and use less technology and are less well educated and scientific in their approach to life. Here is the most interesting site still available on the subject that I have found so far.
http://www.viewzone.com/endtime.html
Since the Governments of the world are worried about a mass panic on this date because it is the end of the Mayan Calendar and does result in a once every 26,000 year alignment not only of all the planets but of the entire Galaxy many astronomers and Seismologists, and Oceanographers are worried. And I would agree that it is possible that there could be at the very least earthquakes around this time. However, I see it not just and an end to a cycle but also as the beginning of a new one.
Because of this we might see the many worldwide sites dedicated in part or full to a better understanding of 12-21-12 shut down or interfered with. Governments aren't really worried about rational people like you and I. They are worried about those less educated people and possibly less disciplined in their approach to life. So it would be less people who use computers that they would worry about and more people who tend naturally to be more superstitious and use less technology and are less well educated and scientific in their approach to life. Here is the most interesting site still available on the subject that I have found so far.
http://www.viewzone.com/endtime.html
What is Possible for Humankind?
What is Possible for Humankind? I believe my whole lifetime has been dedicated to finding this out as much as I have been able.
As a child I was taught to believe many things, some very useful and some very unuseful. Probably, the most important things I was taught was to be a free thinker, to question authority and to believe that there is a compassionate intelligence behind all life in the universe. You may believe differently, that is okay with me. I believe in freedom of thought and action as long as that thought and action doesn't harm me or others.
By age 17 I realized that the most important thing I could do would be to follow in the footsteps of beings like Jesus, Buddha, and then scientists like Francis Bacon who gave us the Scientific Method and beings like Leonardo Da Vinci who were both very visionary in their spiritual and scientific endeavors. Also, I was inspired by George Washington, Benjamin Franklin, Isaac Newton and many other great minds and visionaries down through history. By age 17 I had remembered past lifetimes so an ordinary life held no interest for me. So I dedicated myself to full enlightenment: compassionate, supernatural, scientific while becoming a world traveler. I have moved in this direction and as much as I was able avoided corporate city mechanistic life. I retreated to the country whether that was Mt. Shasta, Hawaii or other places really beautiful and inspiring. In these places I began my research into what was actually possible for humans to attain both individually and as a race on earth and beyond. What I have found has amazed me more than anything else.
People are not at all what I believed them to be when I was young. When one is young they think they know everything and at about 20 they will tell you they know everything. People my age now just look at them and smile because we know how little they really know about life. In fact, at 59 I realize completely that what I don't know is much more than what I do know even though what I do know for sure is a lot.
Some of the things I believe now are for example that there will be a Second coming of Christ but that it will be in an entirely different and unexpected form than people expect. Jesus was "happening" in his time. Don't you think that Jesus would be "happening" in our time? Therefore who everyone expects him to be is not at all who he will be. I also believe that Buddha Maitreya and the second coming are the same being.
In searching what is possible for humans to be and to do both individually and collectively my whole life I have realized a lot of things.
For example from the Tibetan Lamas I have learned that they see dreams and reality as two aspects of the same thing which is very different from the traditional western point of view that only reality counts and dreams don't mean much. I have found that in actuality everything one thinks and feels and does is all equally important because I can guarantee you I wouldn't be living an affluent lifestyle if I didn't function and value everything I think and feel and do 24 hours a day into perpetuity.
So I can say that in my experience one must learn to value every thought feeling spoken word and action their whole lives if they want to be successful not only in the eyes of God but in any way at all. Without personal integrity there can be no true affluence for anyone!
The Australian Aborigine's take it one step further in their philosophy. They say that the real world is the illusion and that the dream world is everything. Though I see the value in looking at things in this way I can't help feeling something important is lost in seeing things in this way but I honor their freedom to think this way and can see the value of thinking this way for a time especially for those
didactic materialists out there!
In the end human experience is a paradox. There is a saying, "Youth is wasted on the young!" but I think this thinking is a mistake in some ways. For example, if I hadn't been somewhat of a hedonist in my youth I wouldn't have become such a visionary in my later years. Feeling free to love on whatever level I was allowed in the late 60's and early 70's turned me into a visionary, a Seer, a father and a completely compassionate human being that doesn't even kill flies or spiders if I can get away with it. So I now have an army of spiders living in the eves outside of my house and protecting me from West Nile Virus as they eat any Mosquitos in the neighborhood. Also, I don't use any pesticides or herbicides in my yard so I'm one of only two homes on my block that still has frogs that sometimes jump into my hot tub so I have to rescue them so they don't cook in the high temperatures. Since I'm still physically active a hot tub allows me a way to end my muscle aches and pains. However, my physical trainer says that Bromine (a hot tub additive)can leach through the skin and attach to ones thyroid and prevent thyroid medicine from being effective. She says that iodine can prevent this problem.
It is my belief that I am one of the scouts and visionaries preparing the way for the second coming(I believe he will be called Buddha Maitreya) I also believe that the Second Coming is not just for earth but for the entire Galaxy. So I believe his coming is a really big deal not considered by most humans of earth.
What I mean by preparing is that I see myself as a researcher that has discovered something amazing. And just like other researchers in many different fields of research I am trying to prepare not only the world but in some ways the Galaxy for this event. It is possible that the date 12-21-12 has something to do with all this. If you type in 12-21-12 into Google you can find out about the end of the Mayan Calendar and how this once every 26,000 year event culminating in the alignment not only of all the planets but the Galaxy as well might be important just like Jesus' natal Star was. That is all I want to say for now.
As a child I was taught to believe many things, some very useful and some very unuseful. Probably, the most important things I was taught was to be a free thinker, to question authority and to believe that there is a compassionate intelligence behind all life in the universe. You may believe differently, that is okay with me. I believe in freedom of thought and action as long as that thought and action doesn't harm me or others.
By age 17 I realized that the most important thing I could do would be to follow in the footsteps of beings like Jesus, Buddha, and then scientists like Francis Bacon who gave us the Scientific Method and beings like Leonardo Da Vinci who were both very visionary in their spiritual and scientific endeavors. Also, I was inspired by George Washington, Benjamin Franklin, Isaac Newton and many other great minds and visionaries down through history. By age 17 I had remembered past lifetimes so an ordinary life held no interest for me. So I dedicated myself to full enlightenment: compassionate, supernatural, scientific while becoming a world traveler. I have moved in this direction and as much as I was able avoided corporate city mechanistic life. I retreated to the country whether that was Mt. Shasta, Hawaii or other places really beautiful and inspiring. In these places I began my research into what was actually possible for humans to attain both individually and as a race on earth and beyond. What I have found has amazed me more than anything else.
People are not at all what I believed them to be when I was young. When one is young they think they know everything and at about 20 they will tell you they know everything. People my age now just look at them and smile because we know how little they really know about life. In fact, at 59 I realize completely that what I don't know is much more than what I do know even though what I do know for sure is a lot.
Some of the things I believe now are for example that there will be a Second coming of Christ but that it will be in an entirely different and unexpected form than people expect. Jesus was "happening" in his time. Don't you think that Jesus would be "happening" in our time? Therefore who everyone expects him to be is not at all who he will be. I also believe that Buddha Maitreya and the second coming are the same being.
In searching what is possible for humans to be and to do both individually and collectively my whole life I have realized a lot of things.
For example from the Tibetan Lamas I have learned that they see dreams and reality as two aspects of the same thing which is very different from the traditional western point of view that only reality counts and dreams don't mean much. I have found that in actuality everything one thinks and feels and does is all equally important because I can guarantee you I wouldn't be living an affluent lifestyle if I didn't function and value everything I think and feel and do 24 hours a day into perpetuity.
So I can say that in my experience one must learn to value every thought feeling spoken word and action their whole lives if they want to be successful not only in the eyes of God but in any way at all. Without personal integrity there can be no true affluence for anyone!
The Australian Aborigine's take it one step further in their philosophy. They say that the real world is the illusion and that the dream world is everything. Though I see the value in looking at things in this way I can't help feeling something important is lost in seeing things in this way but I honor their freedom to think this way and can see the value of thinking this way for a time especially for those
didactic materialists out there!
In the end human experience is a paradox. There is a saying, "Youth is wasted on the young!" but I think this thinking is a mistake in some ways. For example, if I hadn't been somewhat of a hedonist in my youth I wouldn't have become such a visionary in my later years. Feeling free to love on whatever level I was allowed in the late 60's and early 70's turned me into a visionary, a Seer, a father and a completely compassionate human being that doesn't even kill flies or spiders if I can get away with it. So I now have an army of spiders living in the eves outside of my house and protecting me from West Nile Virus as they eat any Mosquitos in the neighborhood. Also, I don't use any pesticides or herbicides in my yard so I'm one of only two homes on my block that still has frogs that sometimes jump into my hot tub so I have to rescue them so they don't cook in the high temperatures. Since I'm still physically active a hot tub allows me a way to end my muscle aches and pains. However, my physical trainer says that Bromine (a hot tub additive)can leach through the skin and attach to ones thyroid and prevent thyroid medicine from being effective. She says that iodine can prevent this problem.
It is my belief that I am one of the scouts and visionaries preparing the way for the second coming(I believe he will be called Buddha Maitreya) I also believe that the Second Coming is not just for earth but for the entire Galaxy. So I believe his coming is a really big deal not considered by most humans of earth.
What I mean by preparing is that I see myself as a researcher that has discovered something amazing. And just like other researchers in many different fields of research I am trying to prepare not only the world but in some ways the Galaxy for this event. It is possible that the date 12-21-12 has something to do with all this. If you type in 12-21-12 into Google you can find out about the end of the Mayan Calendar and how this once every 26,000 year event culminating in the alignment not only of all the planets but the Galaxy as well might be important just like Jesus' natal Star was. That is all I want to say for now.
Subprime Debacle Traps Even Very Credit- Worthy
Subprime Debacle Traps even very Credit Worthy. I found an excellent article by this same title at the Wall Street Journal on the front page of the December 3rd, 2007 issue. I would like to quote from some of the article that I found extremely relevant.
begin quote, "An analysis for The Wall Street Journal of more than $2.5 trillion in subprime loans made since 2000 shows that as the number of subprime loans mushroomed, an increasing proportion of them went to people with credit scores high enough to often qualify for conventional loans with far better terms.
In 2005, the peak year of the subprime boom, the study says that borrowers with such credit scores got more than half--55%-- of all subprime mortgages that were ultimately packaged into securities for sale to investors, as most subprime loans are."endquote.
This causes me the reader of the article to ask, "Why weren't the borrowers with good credit steered automatically toward fixed rate loans as they always were in the past by reputable loan officers?"
This is also answered in the article as follows: begin quote "The subprime sales pitch often was fueled with faxes and emails from lenders to brokers touting easier qualification for borrowers and attractive bonuses for mortgage brokers who brought in business. One of the biggest weapons: a compensatory structure that rewarded brokers for persuading borrowers to take a loan with an interest rate higher than the borrower might have qualified for.
Credit scores run from 300 to 850 and many involved in the business view a credit score of 620 as a historic rough dividing line between borrowers who are unlikely to qualify for a conventional, or prime loan, and those who may be able to." end quote.
To someone who only sees himself as an investor these quotes are red flags like the storm flags put out in a harbor put out to help prevent sailors from dying in a storm at sea. So now let's address accountability and there doesn't appear to be any!
begin quote."Lenders say they aren't responsible for borrowers who may have been reckless in their real estate investments or their finances, or who have their own reasons for considering loans with subprime terms. 'There are many borrower requests and situations, and multiple risk factors in addition to credit grading that go into loan underwriting decisions and often do result in borrowers with good credit grades accepting subprime loans.' countrywide financial corp. spokesman----" end quote
Next we deal with an analysis of defaulted subprime loans.
begin quote, "---An analysis by Fitch Ratings of 45 subprime loans that went delinquent early in their lives--even though the borrowers had an average credit score of 686--concluded that 'these loans suffered in many instances from poor lending decisions and misrepresentations by borrowers, brokers and other parties in the origination process.'" end quote.
So as an investor looking at all this I see the whole thing has been a nightmare from about 2000 AD. of Borrowers being deceptive, Loan brokers being deceptive and all this worked only because housing prices were going up but like children's building blocks laid to the ceiling this was a structure designed to fall with the slightest hiccup. My question as an investor is how do we create "building codes" so this doesn't happen again?
How many widows and their children who didn't know anything about all this and trusted the system have been financially wiped out or partially wiped out worldwide that only had investments in mortgage vehicles that included some subprime?
begin quote, "An analysis for The Wall Street Journal of more than $2.5 trillion in subprime loans made since 2000 shows that as the number of subprime loans mushroomed, an increasing proportion of them went to people with credit scores high enough to often qualify for conventional loans with far better terms.
In 2005, the peak year of the subprime boom, the study says that borrowers with such credit scores got more than half--55%-- of all subprime mortgages that were ultimately packaged into securities for sale to investors, as most subprime loans are."endquote.
This causes me the reader of the article to ask, "Why weren't the borrowers with good credit steered automatically toward fixed rate loans as they always were in the past by reputable loan officers?"
This is also answered in the article as follows: begin quote "The subprime sales pitch often was fueled with faxes and emails from lenders to brokers touting easier qualification for borrowers and attractive bonuses for mortgage brokers who brought in business. One of the biggest weapons: a compensatory structure that rewarded brokers for persuading borrowers to take a loan with an interest rate higher than the borrower might have qualified for.
Credit scores run from 300 to 850 and many involved in the business view a credit score of 620 as a historic rough dividing line between borrowers who are unlikely to qualify for a conventional, or prime loan, and those who may be able to." end quote.
To someone who only sees himself as an investor these quotes are red flags like the storm flags put out in a harbor put out to help prevent sailors from dying in a storm at sea. So now let's address accountability and there doesn't appear to be any!
begin quote."Lenders say they aren't responsible for borrowers who may have been reckless in their real estate investments or their finances, or who have their own reasons for considering loans with subprime terms. 'There are many borrower requests and situations, and multiple risk factors in addition to credit grading that go into loan underwriting decisions and often do result in borrowers with good credit grades accepting subprime loans.' countrywide financial corp. spokesman----" end quote
Next we deal with an analysis of defaulted subprime loans.
begin quote, "---An analysis by Fitch Ratings of 45 subprime loans that went delinquent early in their lives--even though the borrowers had an average credit score of 686--concluded that 'these loans suffered in many instances from poor lending decisions and misrepresentations by borrowers, brokers and other parties in the origination process.'" end quote.
So as an investor looking at all this I see the whole thing has been a nightmare from about 2000 AD. of Borrowers being deceptive, Loan brokers being deceptive and all this worked only because housing prices were going up but like children's building blocks laid to the ceiling this was a structure designed to fall with the slightest hiccup. My question as an investor is how do we create "building codes" so this doesn't happen again?
How many widows and their children who didn't know anything about all this and trusted the system have been financially wiped out or partially wiped out worldwide that only had investments in mortgage vehicles that included some subprime?
Dreams of Mer People
Dreams of Mer People. Very often my dreams turn into reality because I am a precognitive psychic. So since I now have had at least 2 dreams in the last month about Mer people I realized that I should write about them.
I'm going to write about the one I just woke up from first because it is so recent it is like a movie or experience that is present in my mind. The dream was of a lady mer person sort of like in "Splash" the movie with Daryl Hannah and Tom Hanks in 1984. She was an adult and her hair was almost white from being bleached in the ocean water and came to her waist. Somehow, I was underwater with her and she spoke to me about how the ocean environment is a problem. She said that all the ocean creatures are slowly dying from storms and from over fishing and from pollution of the waters and by climate change. She said that she wanted me to relay this to mankind. I'm not sure whether this dream was just symbolic of our brothers and sisters in the sea or from a race of beings that came out of the water like us and then returned to the water like seals, sea lions and sea elephants. I have heard biologists talk about their theories of seals being dog like creatures that returned to the water(ocean) for some reason during evolution, and sea lions were thought of as wolf size or larger creatures that returned to the ocean whereas Sea Elephants were Bear size mammals that returned to the ocean and adapted there. It is possible, I suppose that there are human type mammals like us who made the same choice to return to the ocean. And so, like dolphins created their own special type of life form.
I asked the mer lady if she had no legs how did they mate? She told me from behind like most mammals which was news to me. I suppose this one fact made the whole mer evolution possible in my mind and took it out of the realm of a complete fairy tale dream. Also, I think it is just possible that it is all the ocean evolutions reaching out to a Seer like myself for help in continued survival as ocean creatures.
However, this isn't the only dream I have had about Mer People. My first dream that I can remember was about a Mer person that was male and looked very formidable. He did not have white skin and a was not like a traditional fish tailed mermaid. Instead he reminded me a little of the color of a whale with fish scales. His eyes were human like but were red around the edges instead of white like us from evolving in the ocean. He appeared to have arms with hands but there were membranes between the fingers and toes for swimming sort of like a giant human sized frog. His head was larger a little than humans and I got the idea that it was used for ramming other creatures in self defense at great speed like a dolphin does. He was the first to come visit me in this way and I felt a little uncomfortable like one feels meeting a male of a completely different culture. The macho is always a little different than ones own culture and one cannot entirely be sure what will happen next. Since I have also had experiences like this with both humanoids from the future and from a creature whose species originated in the oceans of earth at our time but whose octopus species evolved on another planet after future earth humans colonized that planet into an intelligent and space faring and time traveling species like our own after the air on that planet poisoned the humans. As a shaman and a Seer I can survive these kinds of experiences but they are always very uncomfortable. If you are a Seer only by being very brave should one do what I do. I survive these things by seeing these experiences as if I am a liaison between the humans of earth and these other types of Beings. So without people like myself there would be no contact with these other types of evolutions of intelligent species. Translators are necessary for humans to coexist peacefully with all the species present on earth and beyond.
This Mer man struck up a conversation with me, however, he wanted me to know in my dream that he existed. He also seemed torn between revealing the existence of his people and telling us that they needed help. He didn't want humans to kill off his species through experimentation. He wanted people to begin to conserve the oceans like they have forested lands in Parks on land. He said his people live very deep in the ocean where humans almost never go. He said as people on land became more technological his species of adapted aquatic humans have gone deeper and deeper into the ocean and only come above 500 feet deep to hunt for food. He said the food is becoming scarcer every year and if it gets much worse his species will die out.
HE said that they went from a species of millions a few centuries ago to a few hundreds or a few thousands now. And they have gone from hundreds to thousands of ocean colonies around the world to under 20 colonies now. Like I said, this was a dream so I don't know whether it is ocean creatures telling me of their oncoming demise as species or whether to take it as an actual race of Mer people that have lived under the oceans for about as long as humans have lived on earth.
Do I expect people to believe all that I write about? No. People can only believe what they experience for themselves. I, personally have no doubts at all about what I'm saying because these are my experiences. They do not interfere with a totally normal affluent life on earth. They just tend to make my life fairly interesting. Since I get bored easily this usually works out ok for me.
If what I write about disturbs you then either don't read what I write about or if you like to be disturbed by what I write about then that is your choice. For me, it is like being a Kahuna when Captain Cook first arrived in the Hawaiian Islands for only the Kahunas were allowed to recognize and "SEE" that Captain Cook was a real being on pain of death! Likewise only a few of us humans are willing to stand up and say, "I have experienced far future humans who travel time." and others have said, "I have experienced beings from other worlds."
For me there is no doubt that humans travel time. A few years ago they had a party for time travelers at MIT (Massachusetts Institute of technology) because the logic of it is perfect. Here is the logic, "If time travel exists in any time or space in any galaxy or universe it is here now!" With this faultless logic there is a 99% or better chance that time travelers are here now on earth from here or somewhere else or somewhen else!
Note: January 1st 2008. My daughter was sitting next to me on my computer on her IMAC. She was searching for Mermaids in Google images and found what was purported to be a mummified female Mermaid. I would have thought it was contrived except one telepathically contacted me to write "Dreams of Mer People". In the next moments she showed me a video of a dead Mer man under "wierd Mermaid" in youtube out of Jordan. I was amazed because the female on Google images had scales up to her neck and a long fish tail and the male looked very different than a human male on youtube but he had a head that somewhat reminded me of the one that asked me for help for the remaining Mer People. I think now that there really are Mer People and they are starting to go extinct now because of overfishing and pollution in the oceans. They are a parallel evolution to land humans but like Sea Elephants are Bears who returned to the water, Mer People are humans who returned to the water, and Sea Lions are Wolf like creatures that returned to the ocean. So, after all these 4 experiences I now believe that Mer people are real and have contacted me because they are all dying from pollution and starvation. They are our brothers and sisters and have evolved along with us. They need our protection before they go extinct!
I'm going to write about the one I just woke up from first because it is so recent it is like a movie or experience that is present in my mind. The dream was of a lady mer person sort of like in "Splash" the movie with Daryl Hannah and Tom Hanks in 1984. She was an adult and her hair was almost white from being bleached in the ocean water and came to her waist. Somehow, I was underwater with her and she spoke to me about how the ocean environment is a problem. She said that all the ocean creatures are slowly dying from storms and from over fishing and from pollution of the waters and by climate change. She said that she wanted me to relay this to mankind. I'm not sure whether this dream was just symbolic of our brothers and sisters in the sea or from a race of beings that came out of the water like us and then returned to the water like seals, sea lions and sea elephants. I have heard biologists talk about their theories of seals being dog like creatures that returned to the water(ocean) for some reason during evolution, and sea lions were thought of as wolf size or larger creatures that returned to the ocean whereas Sea Elephants were Bear size mammals that returned to the ocean and adapted there. It is possible, I suppose that there are human type mammals like us who made the same choice to return to the ocean. And so, like dolphins created their own special type of life form.
I asked the mer lady if she had no legs how did they mate? She told me from behind like most mammals which was news to me. I suppose this one fact made the whole mer evolution possible in my mind and took it out of the realm of a complete fairy tale dream. Also, I think it is just possible that it is all the ocean evolutions reaching out to a Seer like myself for help in continued survival as ocean creatures.
However, this isn't the only dream I have had about Mer People. My first dream that I can remember was about a Mer person that was male and looked very formidable. He did not have white skin and a was not like a traditional fish tailed mermaid. Instead he reminded me a little of the color of a whale with fish scales. His eyes were human like but were red around the edges instead of white like us from evolving in the ocean. He appeared to have arms with hands but there were membranes between the fingers and toes for swimming sort of like a giant human sized frog. His head was larger a little than humans and I got the idea that it was used for ramming other creatures in self defense at great speed like a dolphin does. He was the first to come visit me in this way and I felt a little uncomfortable like one feels meeting a male of a completely different culture. The macho is always a little different than ones own culture and one cannot entirely be sure what will happen next. Since I have also had experiences like this with both humanoids from the future and from a creature whose species originated in the oceans of earth at our time but whose octopus species evolved on another planet after future earth humans colonized that planet into an intelligent and space faring and time traveling species like our own after the air on that planet poisoned the humans. As a shaman and a Seer I can survive these kinds of experiences but they are always very uncomfortable. If you are a Seer only by being very brave should one do what I do. I survive these things by seeing these experiences as if I am a liaison between the humans of earth and these other types of Beings. So without people like myself there would be no contact with these other types of evolutions of intelligent species. Translators are necessary for humans to coexist peacefully with all the species present on earth and beyond.
This Mer man struck up a conversation with me, however, he wanted me to know in my dream that he existed. He also seemed torn between revealing the existence of his people and telling us that they needed help. He didn't want humans to kill off his species through experimentation. He wanted people to begin to conserve the oceans like they have forested lands in Parks on land. He said his people live very deep in the ocean where humans almost never go. He said as people on land became more technological his species of adapted aquatic humans have gone deeper and deeper into the ocean and only come above 500 feet deep to hunt for food. He said the food is becoming scarcer every year and if it gets much worse his species will die out.
HE said that they went from a species of millions a few centuries ago to a few hundreds or a few thousands now. And they have gone from hundreds to thousands of ocean colonies around the world to under 20 colonies now. Like I said, this was a dream so I don't know whether it is ocean creatures telling me of their oncoming demise as species or whether to take it as an actual race of Mer people that have lived under the oceans for about as long as humans have lived on earth.
Do I expect people to believe all that I write about? No. People can only believe what they experience for themselves. I, personally have no doubts at all about what I'm saying because these are my experiences. They do not interfere with a totally normal affluent life on earth. They just tend to make my life fairly interesting. Since I get bored easily this usually works out ok for me.
If what I write about disturbs you then either don't read what I write about or if you like to be disturbed by what I write about then that is your choice. For me, it is like being a Kahuna when Captain Cook first arrived in the Hawaiian Islands for only the Kahunas were allowed to recognize and "SEE" that Captain Cook was a real being on pain of death! Likewise only a few of us humans are willing to stand up and say, "I have experienced far future humans who travel time." and others have said, "I have experienced beings from other worlds."
For me there is no doubt that humans travel time. A few years ago they had a party for time travelers at MIT (Massachusetts Institute of technology) because the logic of it is perfect. Here is the logic, "If time travel exists in any time or space in any galaxy or universe it is here now!" With this faultless logic there is a 99% or better chance that time travelers are here now on earth from here or somewhere else or somewhen else!
Note: January 1st 2008. My daughter was sitting next to me on my computer on her IMAC. She was searching for Mermaids in Google images and found what was purported to be a mummified female Mermaid. I would have thought it was contrived except one telepathically contacted me to write "Dreams of Mer People". In the next moments she showed me a video of a dead Mer man under "wierd Mermaid" in youtube out of Jordan. I was amazed because the female on Google images had scales up to her neck and a long fish tail and the male looked very different than a human male on youtube but he had a head that somewhat reminded me of the one that asked me for help for the remaining Mer People. I think now that there really are Mer People and they are starting to go extinct now because of overfishing and pollution in the oceans. They are a parallel evolution to land humans but like Sea Elephants are Bears who returned to the water, Mer People are humans who returned to the water, and Sea Lions are Wolf like creatures that returned to the ocean. So, after all these 4 experiences I now believe that Mer people are real and have contacted me because they are all dying from pollution and starvation. They are our brothers and sisters and have evolved along with us. They need our protection before they go extinct!
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