[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com
--- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, "authfriend" <[EMAIL PROTECTED]> > wrote: > > > > --- In FairfieldLife@yahoogroups.com, off_world_beings > > <[EMAIL PROTECTED]> wrote: > > > > > > This is not the chicken little > > > > yk2 shit. The agreement amongst scientist that this is the > > > > greatest danger humanity has ever faced is universal>>> > > > > > > Not true. This is typical mis-quoting. Scientists have said that > it > > > COULD pose the greatest threat, IF it mutates,and then only IF > it is > > > a strain that is effortlessly and easily spread from human to > > > human, and IF it is deadly in such a scenario. IF all these 4 > > > hurdles are met, THEN it COULD pose a big threat to society. > > > > However, there seems to be a great deal of agreement > > among the experts that it is *likely* that all four > > hurdles will be met. And if they are, the potential > > consequences would be so devastating that we can't just > > sit back and say, Well, but it might not happen.>>> > > > I might get hit on the head by a meteorite if I step outside the > door. > The BMA article was suggesting it was just hypothetical and not > likely. > > > > > > I bet your friend there WAS a true believer in Y2K disaster. I > bet > > > he still has stocks of steamed rice and tinned garbonzo beans > left > > > over from the stockpile he made before Y2k. > > > > Maybe. But the difference is that we took very > > effective measures to *keep* Y2K from being a > > disaster. Had we not, it could well have been.>>> > > > Nonsense. Y2k bug never was. You can try to justify your previous > faith in it, but there never was a threat. > > Bird flu will all blow over in less than a year, and when it does > you will be stuck with the name in your brain"Off_world_beings". I think I'd prefer the bird flu, actually. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Maharishi Speaks on Blessings of the Devatas on Deva Prabhodini
Title: Maharishi Speaks on Blessings of the Devatas on Deva Prabhodini Maharishi Speaks on Blessings of the Devatas on Deva Prabhodini (A transcript done by an American Purusha) 2:18:15 minutes into the morning Puju on Deva Prabhodini (from Purusha CD) November 12, 2005 Deva Prabhodini, Ekadashi Word- for –word transcript Maharishi: “Jai Guru Dev. Jai Guru Dev. All the rajas are listening? Yes?” Bevan: yes, Maharishi. Maharishi: “Now we have all the Devatas wake up and from their side they are coming together asking what we want. So, we are telling them: “Please, from your level, you decide, and we want all that is possible for you to give.” “So, they seem to be coming to us through the window of the treasury of Raja Raam, the treasury of the Global Country of World Peace, and through the Finance Minister all the windows, the doors of he treasury’s from all directions are now open and all the rajas are asking us what you want. And our request to them is: how much you are satisfied with us, please give us your blessings, your parental role for us, at least in our globe, in our world, we want to see all our people peaceful, happy, fulfilled, integrated, fully enlightened, and in possession of all possibilities…Creativity, which will be unlimited, unbounded, eternal, and ever-lasting. This is what our reply to the fully awakened, all the Devatas today. “And that is the gift that has…it has been coming on from Guru Purnima, coming on from Guru Purnima... and now today it seems that the waking up of all the Devatas, devotani Ekadashi, waking up of the... all the Devatas, and the picture before us today is that the Ganges started drop by drop from Gangotri and it flowed and it flowed and it flowed, and now we see in the form of Ganga Sagar… Ganga Sagara is the ocean of Ganga. “At Gangotri it was a drop, and the drop became a flow, and the flow became unlimited ocean, silent and full of waves. So, today, the awakening of all the Devatas is such a great upsurge of our fortune with the fortune of all our dear world around, and we have done very, very well. “And, as the Puja was, as the Puja was about to end, we say, a little before ending, we have… just that _expression_ in terms of wealth-- we used to have that _expression_: “through the window of science we see the dawn of the Age of Enlightenment. “ “Now, the dawn has burst out into the Day, into the bright mid-day sun. So, it’s a great upsurge of our fulfillment. It’s very beautiful. It’s very beautiful. “So, whatever the days are going to follow, they are going to be an open window of Kuber, open window of Raam, open window of all the Devatas: Mahalakshmi…unbounded, Mahasaraswati… unbounded, Durgamba, the power of creativity… unbounded, just unbounded, just unbounded. “So with these blessings, the flow that stop, that started, now we see it was a drop by drop on Guru Purnima, but it was a full moon, but now we see that it was a full moon, and now we see full sunshine into the ocean of infinite affluence, Unbounded field of everything one could ever want. “It’s a great thing. It’s a very great thing we have been through today, a very great thing, and the Vedic Pandits have opened the door of all the Devatas and they have received the Devatas in their own language. So, then, each Devata has its own language. “Very beautiful Puja, offering to the awakening of the Devatas one after another, and then, the Devata of the Devatas, MahaVishnu. It is a very great blessing. So, we remain in this, and now we just meditate and mediate and have very good, full rest. “In the mean time, we will have some showers of this awakening of all the Devatas in our conscious awareness to the whole west of our world, all these, they are making all the Devatas in Washington, and from Washington, further on, Dr. Hagelin is on the extreme end of the setting sun, he is in California, probably that side. “So, from India, to California…the whole world, all the Devatas are awake, and what we have to do is… just fulfilled. We feel fulfilled. No action has… remains on our part. The Devatas have blessed us with the fruit of all action. “We have been talking “yogasthah Kuru karmani.” It’s realized today on this Ekadashi, Devotani Ekadashi, Devotani Ekadashi, the eleventh day of all the Devatas who have woken up. Really we are blessed “And what we have to do? We have to be prepared to how to enjoy from all directions everywhere, everywhere. And from tomorrow we’ll have all windows open for joy, joy, joy.”-Maharishi, Deva Prabhodini, a.m. Lecture To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[FairfieldLife] Rick, you can post this "from a friend'
*** Swami G has a website: http://kundalinisupport.com/ a timely offering on this ongoing subject) * Next question: If a disciple goes astray and then comes back to you and asks for forgiveness, is this almost always, always or rarely granted? g: depends ... if they have taken Diksha elsewhere then No --- the bond is broken . other situations are case by case * I am starting to run into a dilemma by the minute. I have all my travel plans for India but I think I am getting talked out of it as I continue to ask you questions. G: while india may hold a lot of allure it is Not the sole place where an authentic Guru may be found... * When you say Diksha, there must be a vast difference and degree of it according to circumstances. For example, Kalki Bhagwan has his disciples or even I think students that are not full blown disciples give Diksha. He also has Diksha going on in his ashram. A Diksha giver that I met in New York said it is much more powerful at the ashram. G: yes - * It is explained in Kalki Bhagawan's site that his dasaJi's give the Diksha because if he did it, it would be too overpowering. G: i say that is total balderdash .. he is just to lazy to take on that mantle ... therefore it is being taken over by others so he can put his energies elsewhere ... WHY do guru's promote such crap ? that it would be just to overpowering IF he gave Diksha directly ... sorry i can't nor won't promote such a statement as being anyway valid. * Would you give one of your disciples permission to take Diksha elsewhere? G: absolutely Not ... you cannot walk two paths --- under two Guru's at one time... i don't have the time nor inclination to continually undo the confusion that takes place when that happens Before taking Diksha sadhakas should decide on One path .. * What if one of your disciples took Darshan from mother Meera, for example-she touches your head, and looks at you. G: Darshan is different than Diksha .. Diksha is transmitting some of the Guru's energy to awakening or stabalizing your Kundalini - it is also a Commitment like getting married .. you don't go to the altar and enter into a marriage with more than one person at a time Diksha is almost like getting married and yet it is even a deeper commitment .. the Guru is making a commitment to Guide you for the whole of this life and even beyond if needed . Why should Any authentic Guru commit to such a thing with a sadhaka who prefers to not honor such a relationship .???. Do you think it is ok to chase prostitutes and dishonor your wife ? perhaps a prostitute may give you a moment of joy but then you take the risk of picking up a disease .. so what is better ? to chase prostitutes or to have a pure marriage with one that cares for your welfare ??? this isn't like signing up for a new course . a new college class.. Unfortunately this is how sadhakas are viewing Diksha and entering a path . oh it's just another type of learning and more is better ... No it isn't . not when it comes to walking through a Kundalini path ... * Or for example, I went to this center in NY, and then when the lady asked me to meditate with her mantra or chant, I explained that I already have my meditation technique so I will do that instead. G: this would be the correct way to handle it .. * Are these sort of undertakings enough for you to part with a disciple? If so, then isn't it an individual consideration for each Guru based on his style, to determine which punishment fits which crime (so to speak)? G: there is no *punishment* ... the Guru will either work with you -- or when the bond has been breached on Purpose then Why in the world does the Guru owe you anything ? Sort of like if you have a husband that is carrying on an affair or running after prostitutes Why in the world should the wife continue to honor a commitment with her whole heart when it is clear that this Trust has been broken .. this relationship has been severed on the energetic and heart levels by his actions . Can you understand it better by this analogy ? it is not an ego thing on the part of the Guru .. it is a full on Commitment to aide you within your journey . the Guru is offering you the way to find the Pearl of Great Price they are offering their time, expertise , energy , hearts commitment , support , a stabilizing influence , clarity which you yet do not posses . Now what are you offering in return ??? to listen on occasion when you feel like it ? and then to run here and there seeing what else you can go play at ? Why oh Why would an authentic Guru continue to offer a precious chance at liberation to one who has only eyes for his wayward life ?? it is Amazing to see people expecting Guru's to jump through their hoops . What in the world do you think is so enticing about accepting sadhakas ? wh
[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com
--- In FairfieldLife@yahoogroups.com, "sparaig" <[EMAIL PROTECTED]> wrote: > > The only reason why Y2K wasn't a huge disaster was that the > governments and businesses spent billions of dollars preparing for it. Nonsense. Y2k bug never was. You can try to justify your previous faith in it, but there never was a threat. Bird flu will all blow over in less than a year, and when it does you will be stuck with the name in your brain"Off_world_beings". OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> > wrote: > > > > > > > Current rates are approaching 6%. So lets look at buying a house > > with an arm at 6%, and then what happens in 3 years if they rise to > > 12%. >> > > > > You sell the mortgage to a mortgage company with a cheaper rate. It > > is a self-regulating system. > > Then why have rates risen 2-3 % points over their low since 2002? Why > doesn't some lender simply undercut the competition? >>. It is because the rates were unnaturally LOW ! ! ! Now a correction comes and you WISH WISH WISH it to be the end of the world!!! 2-3% is quite manageable and the mortgage companies can get away with it, and sensible consumers know that it is normal fluctuation from an incredibly low rate before. Now it is just normal, and quite manageable by all normal people . Wake me up when it goes up by more than 10%. Until then stop your end of the world ranting. < COST of the supply of funds has increased for lenders. >>> It is just normalisation. NORMALIZATION. CORRECTION. ADJUSTMENT. Stop freaking out. OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > off_world_beings <[EMAIL PROTECTED]> wrote: > > > > We appear to be talking two different things. I am referring to > the disparity of rent and mortgage payments for the SAME property, the > > > same exact house. > > > > On the other hand, sure, one may live in a multi-family apartment, > > and decide to move to an new neighborhood, with a yard, probably > better schools, more square footage, and sure, the mortgage payment > will be more than the rent. But the property is also much more > substantial. > > > > Oh, ok. All you are talking about is how one area becomes harder to > > live in for the working people there. This happens in many places. > > > NO. Thats not the phenomenon that I am talking about. I am refering to > most major housing markets across the US where there is a strong > divergence for rents vs mortgages for the same properties. The > divergence is unprecedended. It is is one of the things strongly > signaling a leveling or decline in US housing prices -- at least in > major west coast, east coast and florida markets. >>> Nope, not true, exaggerated by media and geeks. Not in my area. A moderately primo area. > > This and other factors are: > > 1) Unprecedented divergence of rent from mortgages (for gpropgaerty) > 2) Unprecedented lack of affordibility of housing. In the SF Bay area only 15% of new buyers qualify for the median priced home.)>> Yep, the Lake District in England has been much worse than that for decades. WHo cares? I care care nothing about California and their silly people living in the desert because they are afraid of the cold. Too many people, too hot, not enough water. Tough luck. > 3) Unprecedented levels of new construction in major markets which is not tied to population growth.>> It is in many states. Period. Perhaps not yours. > 4) Unprecedented holdings of 10 year Treasuries -- the bench mark for US mortgage rates by foreign investors, the leading one being the Chinese -- who are begining low reduce holdings, which will result in > higher mortgage rates.>> So what? The Chinese own my house until I pay it off. I don't care. > 5) Unprecedented use creative financing for home buyers -- which makes them very vulnerable to interest rate increases.>>. Like the 6 percent cap previously discussed? > 6) Leveling or declining prices in major housing markets beginning. >>> Nope. My state has a big non-stop housing market boom and population increase and low unemployment and high quality of life. And not far away in Canada, within weekend holiday homebuyers reach back and forth, the housing boom is a non-stop freight-train. You better run fast. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com
--- In FairfieldLife@yahoogroups.com, "authfriend" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, off_world_beings > <[EMAIL PROTECTED]> wrote: > > > > This is not the chicken little > > > yk2 shit. The agreement amongst scientist that this is the > > > greatest danger humanity has ever faced is universal>>> > > > > Not true. This is typical mis-quoting. Scientists have said that it > > COULD pose the greatest threat, IF it mutates,and then only IF it is > > a strain that is effortlessly and easily spread from human to > > human, and IF it is deadly in such a scenario. IF all these 4 > > hurdles are met, THEN it COULD pose a big threat to society. > > However, there seems to be a great deal of agreement > among the experts that it is *likely* that all four > hurdles will be met. And if they are, the potential > consequences would be so devastating that we can't just > sit back and say, Well, but it might not happen.>>> I might get hit on the head by a meteorite if I step outside the door. The BMA article was suggesting it was just hypothetical and not likely. > > > I bet your friend there WAS a true believer in Y2K disaster. I bet > > he still has stocks of steamed rice and tinned garbonzo beans left > > over from the stockpile he made before Y2k. > > Maybe. But the difference is that we took very > effective measures to *keep* Y2K from being a > disaster. Had we not, it could well have been.>>> Nonsense. Y2k bug never was. You can try to justify your previous faith in it, but there never was a threat. Bird flu will all blow over in less than a year, and when it does you will be stuck with the name in your brain"Off_world_beings". Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Bushenomics
http://www.commondreams.org/views05/1115-34.htm Bushenomics by Larry Beinhart It is truly time to change the way we speak about this administration's economic policies. The old words -- conservative, liberal, Keynesian, stimulus, supply side, job creation, deficits, deficit reduction and so on -- just swirl around and help them hide the truth in the fog. Bushenomics is something different. It is also very simple. Bushenomics is the use of the government to take regular people's money and give it to rich people and corporations. The genius of Bushenomics has been selling it to the voters as something that's good for them. Any appearance of benefits to low and middle income people -- or for that matter to the country as a whole -- is only there to sell the programs. Any actual benefits will be more than offset by increases in other taxes, the loss of services and by the accumulation of debts. The story that tax cuts for the rich will stimulate the economy so much that it will solve all problems is bogus. It was originally called Trickle Down economics, an inadvertently apt right wing euphemism for piss on everyone else. It was changed to Supply Side Economics. The old Bush called it voodoo economics. The current Bush calls each tax cut a "jobs and stimulus" package. This Bush even maintains that it works. In the words of the White House website, in bold face and using title case, "the president's policies have helped create jobs, growth, and opportunity." Compared to what? The president would like us to compare it to an imaginary alternative world called how-much-worse-it-would-have-been-without-my-initiatives. But it makes more sense to look for some real world comparison. The closest thing in time and kind is the previous administration. Under Clinton, 18,000,000 new jobs were created. The Dow Jones average was 320% higher when he left office than it was when he came in. The budget had gone from a record deficit to the first surplus since 1969. Under Bush the only increase in jobs has come from government expansion. There has actually been a decrease in the number of private sector jobs. Adjusted for inflation, the Dow Jones has gone down about 8.6%. Ronald Reagan changed course after one year. Bush's policies have failed to fulfill their promises year after year for five years. Why does this administration persist? If we use their language -- stimulus and jobs and tax cuts lead to deficit reduction -- or the standard language of economics, the discussion disintegrates into a food fight, except that it's statistics and buzz words being thrown around the lunch room. If we forget all that, just look at what they've done, then make up our own description, it's clear and simple. The tax policies unarguably favor the wealthy. They especially favor unearned income, dividends, capitol gains and inheritances, money that accrues as you sip Campari on the veranda of the Splendido in Portofino. Their spending also favors the rich. Also at the expense of the rest of us. The Medicare package has the bizarre requirement that the government has to buy pharmaceuticals from the drug companies at the highest possible price. That means it is requiring us to pay the highest possible price. The $12.3 billion energy bill was a triumph for special interests and was followed, shortly thereafter, by $3 a gallon gas at the pump and record profits for the oil industry. If the privatization of Social Security had been successful, it would have taken money that now goes from people to people through the government and sent it off to corporations. The process would have incurred gigantic interim debts that taxpayers would have had to pay for. The reconstruction fund for Iraq originally had neither oversight nor controls and the people who handled the money were specifically exempted from ever being prosecuted. Funds for the reconstruction of the Gulf Coast were original offered as no-bid contracts with guaranteed profits. They argued that it was a matter of urgency, but they had time to try to break the rule that requires contractors to pay the prevailing wage. The privatization of the armed forces means that about 30% of the cost of military operations in Iraq and Afghanistan goes directly to private contractors. It is, of course, hard to believe that our elected leaders would be cynical enough to use the government primarily to enrich the rich, without really caring of it creates social benefits. Especially if it's true that they will leave huge debts behind, a mess for others to clean up or to suffer with. It's hard to believe unless we are familiar with the private careers of George Bush and Dick Cheney. Bush ran a series of companies. He, personally, always made money. They all went bankrupt. He never seems to have had any regrets and could always find more money to lose. Then he organized the purchase of the Texas Rangers baseball team. His group got the city of Arlington to pass a special tax to build a stad
[FairfieldLife] Re: Fiscal train wreck feared
--- In FairfieldLife@yahoogroups.com, "jim_flanegin" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, "authfriend" <[EMAIL PROTECTED]> wrote: > > > > --- In FairfieldLife@yahoogroups.com, anonymousff <[EMAIL PROTECTED]> > > wrote: > > > > > > On the cover of my local newspaper today (big city in a big state) > > > is the headline, "Fiscal train wreck feared: Experts say lurking > > > U.S. crisis may spur market plunge, pension losses, lower standard > > > of living." > > > > Reported on CNN this afternoon as well, very > > gloomily. > > > > Yes, the "news" organizations thrive on conflict and failure. All of > this; the 'bird flu', and bad this and bad that, and be afraid of this > and be afraid of that, is so *incredibly* selective. > I'm declaring it a massive conspiracy of muddy consciousness; the > hideousness of small minds. i agree that it is the hideousness of small minds but that doesn't mean that what is being said is not the real truth. these small minds have created this vast mess and don't seem the slightest bit interested in helping anyone except each other get out unscathed. people in dire poverty are getting poorer while those with money stand by and add more money to their coffers. what's small about that? people who worked for 40 years and saved every possible penny find out their pension no longer exists. that's not small. > ourselves so often as powerless victims, as occupants of a large, > fearful cesspool, as 90% goners. > > Not me. Not you. Not any of us. > Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] The Long-Run Relationship between House Prices and Rents
The Long-Run Relationship between House Prices and Rents Joshua Gallin, Federal Reserve Board February 2005 Abstract I show that when house prices are high relative to rents (that is, when the rent-price ratio is low) changes in real rents tend to be larger than usual and changes in real prices tend to be smaller than usual. Standard error-correction models provide inconclusive results about the predictive power of the rent-price ratio at a quarterly frequency. I use a long-horizon regression approach to show that the rent-price ratio helps predict changes in real rents and real prices over three-year periods. This result withstands the inclusion of a measure of the user cost of capital. I show that a long-horizon regression approach can yield biased estimates of the degree of error correction if prices have a unit root but do not follow a random walk. I construct bootstrap distributions to conduct appropriate inference in the presence of this bias. The results lend empirical support to the view that the rent-price ratio is an indicator of valuation in the housing market. http://www.frbatlanta.org/news/conferen/housing2005/gallin.pdf Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Fiscal train wreck feared
--- In FairfieldLife@yahoogroups.com, "jim_flanegin" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, "authfriend" <[EMAIL PROTECTED]> wrote: > > > > --- In FairfieldLife@yahoogroups.com, anonymousff <[EMAIL PROTECTED]> > > wrote: > > > > > > On the cover of my local newspaper today (big city in a big state) > > > is the headline, "Fiscal train wreck feared: Experts say lurking > > > U.S. crisis may spur market plunge, pension losses, lower standard > > > of living." > > > > Reported on CNN this afternoon as well, very > > gloomily. > > > > Yes, the "news" organizations thrive on conflict and failure. All of > this; the 'bird flu', and bad this and bad that, and be afraid of this and be afraid of that, is so *incredibly* selective. > ,,, > I'm declaring it a massive conspiracy of muddy consciousness; the > hideousness of small minds. > > Not to ignore what is, but to no longer blow it out of proportion, see ourselves so often as powerless victims, as occupants of a large, fearful cesspool, as 90% goners. Well, that doesnt mean there are no large global problems. One can stick their head in the sand of bliss ("oh, just feel the bliss") or attribute them to neo-con conspiracies (the Rumsfeld profit scam from bird flu is one of the funnier from the aluminum beanie crowd) OR, recognize or at least be cognizant of some real threats. Bliss can still be maintained with the recognition of national and gloabal scale the threats. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Fiscal train wreck feared
--- In FairfieldLife@yahoogroups.com, "authfriend" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, anonymousff <[EMAIL PROTECTED]> > wrote: > > > > On the cover of my local newspaper today (big city in a big state) > > is the headline, "Fiscal train wreck feared: Experts say lurking > > U.S. crisis may spur market plunge, pension losses, lower standard > > of living." > > Reported on CNN this afternoon as well, very > gloomily. Yes. Following is one of the gloomiest, yet most credibly sourced (the people cited for comments) on the economy -- the housing bubble being the major anchor downward. -- http://www.signonsandiego.com/news/business/2005-1315-wall&main.html Housing bubble's burst could cost 1 million jobs and cause a recession, experts say NEW YORK Much of the nation has had a lovely real estate boom for the past five years, but the house party is almost over and the cleanup won't be pretty. That's the word from economists and investors who have watched housing prices march ever higher. "The collapse of the housing bubble will throw the economy into a recession, and quite likely a severe recession," warned a July report by the Center for Economic and Policy Research. In recent weeks, many major investment firms have concurred. Said a Lehman Brothers report, "(A) turn in the housing market is central to our economic forecast. " "The demographic story behind the housing market boom, as we always thought, was a giant hoax," wrote Merrill Lynch & Co.'s North American Economist, David Rosenberg, in a recent report. If housing prices decline sharply, the effects could be broad. Lehman estimates one-third of the past year's U.S. economic growth was a consequence of the housing boom. Housing construction is equal to 5 percent of the national economy. A downturn in housing could mean more than 1.3 million lost jobs, Goldman Sachs Group Inc. predicts, bumping up the national unemployment rate by 1 percent and the unemployment rate in house-mad California by 2 percent. Those numbers don't include likely job cuts in housing-dependent businesses, such as banking, furniture and building materials. The Center for Economic and Policy Research predicts worse, saying a bubble burst would mean the loss of 5 million to 6.3 million jobs. The housing run-up has financed consumer spending, creating more than $5 trillion in bubble wealth, the center estimates. Consumers have used "cash-out" mortgages to pay for everything from new kitchens to college tuition. A final nightmare scenario: A federal bailout of the mortgage market is likely if housing crashes, the center predicts. So, if corporate pension funds continue to falter and this dire prediction does come true, the Feds could conceivably be holding your mortgage and your pension. While there's disagreement on what a downturn will mean, it's widely held that a number of factors could bring prices down. A decline in prices will track interest rates: If rates go up sharply, housing prices will plummet, said Mark Zandi, chief economist at Economy.com, an independent provider of financial research. If rates increase slowly, housing prices may ease gradually. Others point to simple supply and demand. Bubbles have their own psychology a neighbor tells you at a party that her house has tripled in value and you feel like an idiot for renting but supply and demand operates on logic, which has to kick in at some point. The supply and demand picture for housing looks out of whack. For six straight months, ending in September, builders started work on more than 2 million new homes. This has only happened three other times in the postwar period, according to Merrill Lynch: 1971 to 1973, 1977 to 1978 and early 1984. Those periods were fundamentally different from today in at least one respect: More people were forming households. Household formation is the growth rate in the number of households and it's boosted by new immigration and twenty-somethings leaving their parents' homes. It is currently half what it was for most of those peak periods. "At no time in the past three decades has the gap between household formation and housing starts been as wide as it has been over the past 12 to 24 months," Rosenberg wrote. "We've become accustomed to hearing about how housing is in a new paradigm, that the fundamentals are sound, so on and so forth. But please, just don't tell me that the sector has managed to divorce itself from supply and demand realities." He points out that the number of households in the group most likely to buy a home, 25- to 44-year-olds, fell 2 percent last year, a record decline. Another indicator, unsold homes sitting on the market, also points down. The ratio of inventories to sales has been rising rapidly in recent months and now stands at its highest level since 1996, according to Wachovia Corp. Rents provide more evidence of an imbalance between supply and demand. Since World War II ended, sale pri
[FairfieldLife] Re: Fiscal train wreck feared
--- In FairfieldLife@yahoogroups.com, "authfriend" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, anonymousff <[EMAIL PROTECTED]> > wrote: > > > > On the cover of my local newspaper today (big city in a big state) > > is the headline, "Fiscal train wreck feared: Experts say lurking > > U.S. crisis may spur market plunge, pension losses, lower standard > > of living." > > Reported on CNN this afternoon as well, very > gloomily. > Yes, the "news" organizations thrive on conflict and failure. All of this; the 'bird flu', and bad this and bad that, and be afraid of this and be afraid of that, is so *incredibly* selective. To all of the statisticians on this site, and others, let's assume one newsworthy event happens to each of the 6.5 billion people on the planet, every ten years. Surely each of us can look back over the last ten years and find *something*, one thing, individually newsworthy... (whether we would choose to report it is another matter...) That then gives us about 1.8 million events to choose to be reported, to focus on, to see on TV, read in newspapers, hear on the radio, each *day*. And what do we *always* hear about? The cherry-picked downers; the conflict, the failures, the problems, the unresolved issues, the horrible events. I'm declaring it a massive conspiracy of muddy consciousness; the hideousness of small minds. Not to ignore what is, but to no longer blow it out of proportion, see ourselves so often as powerless victims, as occupants of a large, fearful cesspool, as 90% goners. Not me. Not you. Not any of us. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> wrote: > > > > Current rates are approaching 6%. So lets look at buying a house > with an arm at 6%, and then what happens in 3 years if they rise to > 12%. >> > > You sell the mortgage to a mortgage company with a cheaper rate. It > is a self-regulating system. Then why have rates risen 2-3 % points over their low since 2002? Why doesn't some lender simply undercut the competition? Its because the COST of the supply of funds has increased for lenders. And the point of the article is that the anchor on long term rate, foreign investors in 10 year treasuries may be declining substantially. If that occurs, the COST of funds to lenders will rise, as will mortgage rates. > > > Lets assume 20% down, and the buyer maxes out the % of income > lenders wil usually allow for a mortgage, 30%. So a bloke making 96k a year, could afford a 500,000 house, if he ponied up 100k down. Monthly payments would be just short of $2400/month. 28,800 annually. Thats 30% of his pre-tax income. > > > > Now if his ARM goes to 12%, his payments become 4,114 a month and > > 49,373. per year. Thats now 51% of his income. A pretty big chunk. > If taxes after deductions average about 24%, and he puts 10% in a > 401k, then he has about 15% of his income 1 in 6 dollars to buy food, car, clothes, vacations, additional health, entertainment, etc. A bit of a pinch. >>> > > > Maybe he should have bought a $350,000 house instead of being so > greedy. The same dynamics are true for a 350k house. > > But the news gets much worse . When he bought his house, people in > his income range could afford a 500k house, with 20% down. If > interest > > rates rose by 6% points, the same .range buyers could only afford a 290k house -- a 42% drop. And the same happens to all ranged of > buyers. >>> > > > So , he owns a high value commoditysounds good. Thats quite a statement. In this example, the value of the guy's house has fallen 42% and you call it "a high value commodity". I wish you use your logic to best effect - and do well in your home owning experience. > >>> Suddenly, buyers can only afford and qualify for 58% of the cost > of a house they could three years before. Thus, they bid at their > max.>>> > No, because banks have to make money and believe , THEY WILL. Well, if home values fall 58%, there is little bankers can do change that. > They will do so by adjusting to lower rates. The best rates with the > best plan will get the clients and this will self-regulate the > trend. Lenders will not lend below their cost of funds plus some premium. If thier cost of funds increase, which is the whole point -- there are basic fundamentals in the bond markets which may cause this, then mortgage rates will follow. > > > Sellers begin to lower prices to match demand and in time, >>> > > > No they won't, they will just hold on to them, fix them up, rent > them out, whatever, until the market stabalises. It is a market > correction, not a meltdown. They may. But some will need to sell due to change of jobs, retirement, family size change. And for ARM holders, virtually most buyers in the Bay Area and other makets in the past 2-5 years, and rates rise 6%, their mortgage payments close to double -- to over 50% of gross income. Some may be forced to sell. An if the economy sinks by not being upheld by "equity, paper housing profits spending" and construction, then some will simply not have a job to pay the mortgage. So a hefty portion of the market will be in a must sell situation. But sure, the majority can ride out the level prices, or decline for 10-20 years. But prices in housing markets are determined by those selling, not those holding. The dynamics for lower prices are all applicable to those selling. > <<>> > > So he was doing it for a business? Not to live in it No. I am talking about people who bought a house to live in and can't afford an ARM mortgage payment that is now 50-90% of gross income. But sure, it would apply to foreign investors and "flippers" too. > and stop paying > 10,000 to 30,000 in rent money down the drain every year. That is > 100,000 to 300,000 in money gone to waste...burned, every 10 years. > Your arguments are a joke compared to this. He is much better off > owning a house than renting, um, we have discussed this. You apparently have not done the math and do not realize what part of a mortgage goes to interest vs principal payback. If you assume 10-20% home appreciation, sure I agree with your prmeise about the superiority of owning vs renting. The issue is whether such appreciation will continue. The fundamentals are so out of whack, I doubt it. Best of luck to you if you are betting your down payment and any excessive mortgage payments (over rents for the same home) if you are betting on 10% + price appreciation for the next 5-10 years. > > > And long term rates that new
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
off_world_beings <[EMAIL PROTECTED]> wrote: > > We appear to be talking two different things. I am referring to the disparity of rent and mortgage payments for the SAME property, the > > same exact house. > > On the other hand, sure, one may live in a multi-family apartment, > and decide to move to an new neighborhood, with a yard, probably better schools, more square footage, and sure, the mortgage payment will be more than the rent. But the property is also much more substantial. > Oh, ok. All you are talking about is how one area becomes harder to > live in for the working people there. This happens in many places. NO. Thats not the phenomenon that I am talking about. I am refering to most major housing markets across the US where there is a strong divergence for rents vs mortgages for the same properties. The divergence is unprecedended. It is is one of the things strongly signaling a leveling or decline in US housing prices -- at least in major west coast, east coast and florida markets. This and other factors are: 1) Unprecedented divergence of rent from mortgages (for gpropgaerty) 2) Unprecedented lack of affordibility of housing. In the SF Bay area only 15% of new buyers qualify for the median priced home.) 3) Unprecedented levels of new construction in major markets which ia not tied to population growth. 4) Unprecedented holdings of 10 year Treasuries -- the bench mark for US mortgage rates by foreign investors, the leading one being the Chinese -- who are begining low reduce holdings, which will result in higher mortgage rates. 5) Unprecedented use creative financing for home buyers -- which makes them very vulnerable to interest rate increases. 6) Leveling or declining prices in major housing markets beginning. > The Lake District in England is pretty much impossible for anyone > not on a fairly high income to live there now. They would have to > commute. So what? This has little or nothing to what I am referring to. < Nothing new in this phenomena. Happens in US also. But it > is not an across the board National phenomena, What I am referring to is across the board in major markets. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Fiscal train wreck feared
--- In FairfieldLife@yahoogroups.com, anonymousff <[EMAIL PROTECTED]> wrote: > > On the cover of my local newspaper today (big city in a big state) > is the headline, "Fiscal train wreck feared: Experts say lurking > U.S. crisis may spur market plunge, pension losses, lower standard > of living." Reported on CNN this afternoon as well, very gloomily. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Fiscal train wreck feared
On the cover of my local newspaper today (big city in a big state) is the headline, "Fiscal train wreck feared: Experts say lurking U.S. crisis may spur market plunge, pension losses, lower standard of living." For some reason (control of the media?) it is not only not on the newspaper's website but nowhere on the Internet that I can find. However, there are many sites with essentially the same information. Here's one link, of many, I came up with and also a short segment of the article. * http://news.minnesota.publicradio.org/features/2005/10/17_mccalluml_deficit/ Federal budget experts speaking at a conference in Minneapolis offered a bleak forecast for the nation's fiscal health. The panel included representatives from both conservative and liberal organizations. Despite their political differences, they generally agreed the country faces a looming financial crisis, and elected officials aren't making the tough choices required to fix the problem. The panel spoke at the University of Minnesota's Humphrey Institute on Monday Minneapolis, Minn. U.S. Comptroller General David Walker doesn't mince words when talking about the nation's financial condition. "We are on an imprudent and unsustainable path. Every day, it's getting worse," says Walker, who heads the Government Accountability Office, which audits the federal government. Larger view Image Brian Riedl Walker says most of the U.S. budget is on autopilot, consumed by the three massive entitlement programs of Social Security, Medicare and Medicaid. Walker says the budget deficit is down from last year's record high of $412 billion, but he warns the deficit could still balloon in the future, as 77 million baby boomers hit retirement age. "We have not yet begun to face the demographic tidal wave -- the demographic tsunami, if you will -- associated with the retirement of my generation, the baby-boom generation," according to Walker. Walker says rising health care costs threaten to bankrupt the country long-term. He's also concerned about the cost of the Medicare prescription drug benefit set to begin in January. Walker and other budget experts say the situation isn't hopeless if elected officials are willing to confront the problem. But the solutions aren't easy. Isabel Sawhill, director of Economic Studies at the liberal Brookings Institution, says the nation can't simply rely on economic growth to generate enough taxes to solve the problem. She says there is some federal pork that can be cut, but simply trimming spending won't close the gap. "Eventually taxes must be raised and spending cut. The sooner that's done, the less costly and painful it will be, and we need presidential leadership and bipartisan compromise to get all of that done," says Sawhill. We have not yet begun to face the demographic tidal wave ... associated with the retirement of my generation -- the baby-boom generation. - U.S. Comptroller General David Walker Sawhill says both Republicans and Democrats will have to fix the problem together, to provide political cover for making the tough choices. Brian Riedl, the lead budget analyst at the conservative Heritage Foundation, says there's not much appetite for that among lawmakers in Washington. "There is not much courage out there," according to Riedl. "They will go whichever way the wind is blowing on a lot of these issues. And if they're not hearing it from the grassroots, and they're not hearing any pressure, they're going to focus on the political calendar, they're not going to focus on the long term." Riedl and other budget experts say without public pressure, Congress and the president will delay the difficult decisions. The panel members said they want to see more public debate on the nation's fiscal woes. But Riedl acknowledges that won't make the medicine any easier to swallow. "Like an alcoholic, the first thing you have to do it admit you have a problem ... The flip side of it is, Americans are vehemently opposed to every possible solution," he says. Riedl's organization has critized the Bush administration for the growth in government spending. But Riedl gives President Bush credit for proposing Social Security reform, even though the plan went nowhere. Riedl says reforming the entitlement programs is critical. For example, he says the Medicare drug benefit should be limited to low-income seniors. But unless elected leaders reduce the nation's fiscal obligations, future generations will face the consequences of an ever-expanding federal debt. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/Fairfiel
[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com
The only reason why Y2K wasn't a huge disaster was that the governments and businesses spent billions of dollars preparing for it. --- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> wrote: > > This is not the chicken little > > yk2 shit. The agreement amongst scientist that this is the > greatest danger > > humanity has ever faced is universal>>> > > > Not true. This is typical mis-quoting. Scientists have said that it > COULD pose the greatest threat, IF it mutates,and then only IF it is > a strain that is effortlessly and easily spread from human to human, > and IF it is deadly in such a scenario. IF all these 4 hurdles are > met, THEN it COULD pose a big threat to society. > > I bet your friend there WAS a true believer in Y2K disaster. I bet > he still has stocks of steamed rice and tinned garbonzo beans left > over from the stockpile he made before Y2k. > > At worst the bird flu will make it faster to get through shopping > lines in the supermarket due to there being a few less old ladies > who will have moved on to better dimensions and higher worlds of > bliss. > > OffWorld > Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Anybody visited major Temples in India?
--- In FairfieldLife@yahoogroups.com, [EMAIL PROTECTED] wrote: > > > In a message dated 11/15/05 4:09:09 P.M. Central Standard Time, > [EMAIL PROTECTED] writes: > > It wasn't just unstressing? ;-) > > > > > Not only NO! But HELL NO! > Was unstressing so powerful thatit manifested an external physical agent to implement it... Hey, works for me... ;-) ;-) ;-) Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com
--- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> wrote: > > This is not the chicken little > > yk2 shit. The agreement amongst scientist that this is the > > greatest danger humanity has ever faced is universal>>> > > Not true. This is typical mis-quoting. Scientists have said that it > COULD pose the greatest threat, IF it mutates,and then only IF it is > a strain that is effortlessly and easily spread from human to > human, and IF it is deadly in such a scenario. IF all these 4 > hurdles are met, THEN it COULD pose a big threat to society. However, there seems to be a great deal of agreement among the experts that it is *likely* that all four hurdles will be met. And if they are, the potential consequences would be so devastating that we can't just sit back and say, Well, but it might not happen. > I bet your friend there WAS a true believer in Y2K disaster. I bet > he still has stocks of steamed rice and tinned garbonzo beans left > over from the stockpile he made before Y2k. Maybe. But the difference is that we took very effective measures to *keep* Y2K from being a disaster. Had we not, it could well have been. It wasn't chicken little, but it wasn't chopped liver either. > At worst the bird flu will make it faster to get through shopping > lines in the supermarket due to there being a few less old ladies > who will have moved on to better dimensions and higher worlds of > bliss. Actually bird flu, if it mutates, is more likely to kill off younger people, because it triggers a very severe and uncontrolled immune response so powerful it can end up destroying the lungs. The more vigorous and healthy the immune system is, the more likely this is to happen. This is one reason why the 1918 flu was so devastating. But scientists are currently working on a new drug that has the potential to curb this response. If you'd like to know more, Google the term "cytokine storm." Here's a good place to start, a bit technical but not too bad: http://www.cytokinestorm.com/ Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com
This is not the chicken little > yk2 shit. The agreement amongst scientist that this is the greatest danger > humanity has ever faced is universal>>> Not true. This is typical mis-quoting. Scientists have said that it COULD pose the greatest threat, IF it mutates,and then only IF it is a strain that is effortlessly and easily spread from human to human, and IF it is deadly in such a scenario. IF all these 4 hurdles are met, THEN it COULD pose a big threat to society. I bet your friend there WAS a true believer in Y2K disaster. I bet he still has stocks of steamed rice and tinned garbonzo beans left over from the stockpile he made before Y2k. At worst the bird flu will make it faster to get through shopping lines in the supermarket due to there being a few less old ladies who will have moved on to better dimensions and higher worlds of bliss. OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
\ > > We appear to be talking two different things. I am referring to the > disparity of rent and mortgage payments for the SAME property, the > same exact house. > > On the other hand, sure, one may live in a multi-family apartment, and > decide to move to an new neighborhood, with a yard, probably better > schools, more square footage, and sure, the mortgage payment will be > more than the rent. But the property is also much more substantial. > I am NOT referring to this. > > I am referring to the disparity of rent and mortgage payments for the > SAME property, the same exact house. That rents and mortgages would > stay sharply diverged in equillibrium defies all economic logic and > experience. >>. Oh, ok. All you are talking about is how one area becomes harder to live in for the working people there. This happens in many places. The Lake District in England is pretty much impossible for anyone not on a fairly high income to live there now. They would have to commute. Nothing new in this phenomena. Happens in US also. But it is not an across the board National phenomena, and even in places where it is a divergence it is not a s big as you say it is. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com
--- In FairfieldLife@yahoogroups.com, Rick Archer <[EMAIL PROTECTED]> wrote: > > I sent an old Fairfield friend a link to > http://www.mercola.com/display/router.aspx?docid=31303 and this was his > response: > > This is retarded.never has there been a bird flu that has effected so > many multiple millions of birds and over such a large geographic area. THERE > HAS NEVER BEEN A CASE WHEN A PANDEMIC FLU AMONGST BIRDS HAS NOT SPREAD TO > HUMANS. When bird handlers in poor parts of the world and in indigenous > populations (where they contract the bird flu from water supply, lakes, > rivers etc) have contact with the virus from infected birds, while at the > same time being infected with an ordinary flu, then the ordinary flu teaches > the bird flu how to transfer from human to human. The petri dish for stewing > a lethal combination of regular flu with bird flu has never been greater and > is about to be global in one years time. From an unbiased scientific > perspective it is ABSOLUTELY INEVITABLE that the jump will occur. It will > be here in America... and most likely Iowa...within a year. > > If you are spreading this pacifying bullshit in order to ease peoples > mindsor in order to berate the government or established medical > authorities because of your notions that they are ALL corrupt and money > crazed and want to control the population with fear etcthen you are > being HIGHLY IRRESPONSIBLE and frankly just plan stupid. You could end up > being the cause of the DEATHS of a lot of folk who already are in denial > that something so horrifying could possibly be in the making. They will > relax about the whole thing, instead of being properly prepared, and the > result will be their undoing. > > I wish this thing were not going to happenwe are all going to eat shit > sandwiches even if we're well prepared. But NOT to prepare for such a > culture buster, even if the likelihood of it happening were only to be 50% > and not 100%, would be highly irresponsible. This is not the chicken little > yk2 shit. The agreement amongst scientist that this is the greatest danger > humanity has ever faced is universalgovernments are only now beginning > to get the balls to address this crisis, and in a very understated way, to > their respective populations. So for Christ sake don't make the job of > getting folks prepared any harder. They are going to hear stuff from the > media that will stir them to want to do something. They are going to need > to plan to have food, on hand, for 6 months to a yeargrains that they > can sprout etc. And they are going to need to have somethings, on hand, > that will dumb down the flu so it isn't so virulent. > > If we do not prepare then our gooses will be cooked. > > PS If this thing doesn't happen, by some miracle, then everyone is invited > to my place for steamed rice and sprouted garbonzo beans. > So there are two sides to every *story*. My experience is that science is wrong much more often than it is right. I still don't see this thing 'bird flu' happening... Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> wrote: > > > > > No, in the past rents were too close to the cost of buying a > house, > > > now it is more expensive to buy a house than to rent, and this > is a normal market correction. Normal. > > > > Huh? It is normal, the market is in equillibrium, when rents = > > mortgage payments (after tax, after homeowner costs). The fact that rents are at or below 50% of mortgage payments in many areas > indicates that the housing market is seriously out of what and a correction>> > > > No it doesn't. It has always been the case that it is cheaper to > rent than to buy. If someone gets a bit better job and perhaps works > a bit harder, they may say to themselves it is worth it, so that I > can buy my own place and they will go ahead and do it. A lot of > people rent because they want quality time and not be workaholics > and they are happy that way. Others want to work a bit harder or > focus on increasing income, and then buy a house. This is the way it > has always been. We appear to be talking two different things. I am referring to the disparity of rent and mortgage payments for the SAME property, the same exact house. On the other hand, sure, one may live in a multi-family apartment, and decide to move to an new neighborhood, with a yard, probably better schools, more square footage, and sure, the mortgage payment will be more than the rent. But the property is also much more substantial. I am NOT referring to this. I am referring to the disparity of rent and mortgage payments for the SAME property, the same exact house. That rents and mortgages would stay sharply diverged in equillibrium defies all economic logic and experience. See the following from the article -- echoed in many other sources: The Divergence in House Sale Prices and Rents While house sale prices and rents have occasionally drifted apart for periods of time, the difference in their rates of inflation from 1955 to 1995 averaged less than 0.42 percentage points.7 The divergence in these two series since 1997 is unprecedented. The House Price Index (HPI) has increased by 51 percentage points more than the rent index over the last eight years as shown in 7 The ownership price data use the home purchase component of the consumer price index (CPI) prior to 1975, an average of the inflation rate in the home purchase component and the House Price Index from 1975 until 1982, when the home purchase series was discontinued, and the Home Price Index for years after 1982. The rental index is the CPI rent index. The CPI rent index includes some utilities, which complicates the comparison during periods of rapidly rising or falling energy prices. This divergence is also readily visible in the metropolitan area housing price data, as all the areas that have experienced large increases in house prices have also seen large divergences between house sale prices and rents. While it is reasonable to expect that rents and house sale prices would not rise at exactly the same pace if there were fundamental factors pushing up prices, rents should continue to rise until they have come close to catching up with house sale prices. This has not happened in the areas with rapid house price increase. In most, the pace of rental inflation has slowed in recent years, and in some of these markets rents have actually been falling in real terms in the last year. For example, in the last year, real rents have fallen by 2.3 percent, 1.7 percent, and 0.9 percent in San Francisco, Boston, and Seattle, respectively. There have been periods in the past in which local markets have seen large divergences between house sale prices and rents. In almost every case these divergences were followed by a sharp fall in house sale prices. As can be seen, of the 20 largest percentage points gaps between the run-up in house sale prices and rental prices, 14 have occurred in the last 8 years. In the 4 of the 6 cases on this list where there was a large gap in the years prior to 1997, there was a large subsequent decline in real house prices. In the case of Boston home prices fell by 24%. In the case of New York, prices fell by 22 percent. On the other hand, prices in Portland continued to rise. However, the initial eight-year run-up in prices in Portland ends in 1995, just as the nationwide boom in housing prices begins. Seattle is the only city on this list where there was a large gap developing between house sale prices and rents, prior to the current run-up, where there was not a subsequent plunge in house sale prices. The evidence in Table 1 suggests that large gaps between the rate of increase in house sale prices and rents were relatively rare, prior to the post 1997 run-up. Furthermore, in most of the cases where such gaps arose in the past, they were followed by sharp declines in real house sale prices. This evidence is consistent with the view that the sharp runup in house sal
[FairfieldLife] A friend's response to Bird Flu - Healthy News Article from Mercola.com
I sent an old Fairfield friend a link to http://www.mercola.com/display/router.aspx?docid=31303 and this was his response: This is retarded.never has there been a bird flu that has effected so many multiple millions of birds and over such a large geographic area. THERE HAS NEVER BEEN A CASE WHEN A PANDEMIC FLU AMONGST BIRDS HAS NOT SPREAD TO HUMANS. When bird handlers in poor parts of the world and in indigenous populations (where they contract the bird flu from water supply, lakes, rivers etc) have contact with the virus from infected birds, while at the same time being infected with an ordinary flu, then the ordinary flu teaches the bird flu how to transfer from human to human. The petri dish for stewing a lethal combination of regular flu with bird flu has never been greater and is about to be global in one years time. From an unbiased scientific perspective it is ABSOLUTELY INEVITABLE that the jump will occur. It will be here in America... and most likely Iowa...within a year. If you are spreading this pacifying bullshit in order to ease peoples mindsor in order to berate the government or established medical authorities because of your notions that they are ALL corrupt and money crazed and want to control the population with fear etcthen you are being HIGHLY IRRESPONSIBLE and frankly just plan stupid. You could end up being the cause of the DEATHS of a lot of folk who already are in denial that something so horrifying could possibly be in the making. They will relax about the whole thing, instead of being properly prepared, and the result will be their undoing. I wish this thing were not going to happenwe are all going to eat shit sandwiches even if we're well prepared. But NOT to prepare for such a culture buster, even if the likelihood of it happening were only to be 50% and not 100%, would be highly irresponsible. This is not the chicken little yk2 shit. The agreement amongst scientist that this is the greatest danger humanity has ever faced is universalgovernments are only now beginning to get the balls to address this crisis, and in a very understated way, to their respective populations. So for Christ sake don't make the job of getting folks prepared any harder. They are going to hear stuff from the media that will stir them to want to do something. They are going to need to plan to have food, on hand, for 6 months to a yeargrains that they can sprout etc. And they are going to need to have somethings, on hand, that will dumb down the flu so it isn't so virulent. If we do not prepare then our gooses will be cooked. PS If this thing doesn't happen, by some miracle, then everyone is invited to my place for steamed rice and sprouted garbonzo beans. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Anybody visited major Temples in India?
In a message dated 11/15/05 4:09:09 P.M. Central Standard Time, [EMAIL PROTECTED] writes: It wasn't just unstressing? ;-) Not only NO! But HELL NO! To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [FairfieldLife] Anybody visited major Temples in India?
It wasn't just unstressing? ;-) --- [EMAIL PROTECTED] wrote: > > In a message dated 11/15/05 11:46:41 A.M. Central > Standard Time, > [EMAIL PROTECTED] writes: > > Greetings, > > Wondering if anybody has visited major temples or > done yagyas in India and > what > experiences were? > > Jai Guru Deva > > > > > I went to Badrinath in the mid 90's and bathed in > hot spring and did yagya > after . The next day I got sick with a virus and > fever and was pretty much > miserable the rest of the trip. I realized later > that people from all over India > were coming there and bathing in that same hot > spring with God knows what > diseases hoping to be cured. I would be very careful > about going to temples and > dipping in "holy ponds" or sipping water offered by > priests. I have had far > better experiences doing Satyanarayana Puja in my > local temple. > __ Yahoo! FareChase: Search multiple travel sites in one click. http://farechase.yahoo.com Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, "jim_flanegin" <[EMAIL PROTECTED]> > wrote: > > > > --- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > > > > > > > > If one can rent the same property for 1500/mo, rather than buy it with > > > a mortgage of 3000/month, the renter is saving $1500 / month. The > > > buyer is pouring money down the drain unless home prices apprciate. > > > But there are strong indications that that train will not be back in > > > town for 5-15 years. > > > > > The one thing overlooked here is a measure of security after the > > mortgage is substantially paid off- In a rapidly developing area, and > > I know of people caught in this trap here, rentals may be converted to > > condos, or demolished for housing, leaving the renters, as seniors no > > where to go, except leave an area where they have established friends > > and costs. I understand we are all renters, but there is definitely > > more control over our assets if we buy, i.e. rent money from the bank. > > > Sure, home ownership has other non-monetry benefits. I like owning, > and planting a garden, and being able to tear down a inside wall if I > want. > > But ownership has some burdens too. Several times I had job offers in > other areas, but moving/ selling my home etc was a big hurdle. Owning > ties you to an area. So the problem was not a housing one but an employment one. That is different. OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
> > No, in the past rents were too close to the cost of buying a house, > > now it is more expensive to buy a house than to rent, and this is a > > normal market correction. Normal. > > Huh? It is normal, the market is in equillibrium, when rents = > mortgage payments (after tax, after homeowner costs). The fact that > rents are at or below 50% of mortgage payments in many areas indicates > that the housing market is seriously out of what and a correction>> No it doesn't. It has always been the case that it is cheaper to rent than to buy. If someone gets a bit better job and perhaps works a bit harder, they may say to themselves it is worth it, so that I can buy my own place and they will go ahead and do it. A lot of people rent because they want quality time and not be workaholics and they are happy that way. Others want to work a bit harder or focus on increasing income, and then buy a house. This is the way it has always been. > > > > 2) An extraordinary > > > jump in the rate of housing construction; >>> > > > > Only in parts of the country, where there has been an increase in > > jobs. Normal. > > > The construction increases have been in areas where housing prices > have risen sharply. Contributing to a potential emerging over- supply > situation -- that will put downward pressure on prices.>>> No because in those areas you speak of there has been a constant rise in population over the last few decades. The trend will continue in those areas, although parts of the midwest are depopulating. > > > > > << 3) A sharp decline in > > > the savings rate, driven by a housing wealth effect.>>> > > > > This means people have been drawing heavily on home equity loans > supported by increased paper profits in the recent rises equity in > their homes. This means people are spending more, as a % of income, > thus savings rates are declining -- a bad thing for future interest > rates and productivity. So they are not as rich as the roaring 90's , big deal. They are better off buying than renting. Until I bought my house, I was pouring at least $100,000 every 10 years down the drain ! And I was not in a high cost rental for the area (I was lucky , I had a nice place for a bit less than was usual) Let me repeat: $100,000 minimum (not including for inflation which would increase that figure) EVERY 10 YEARS. > > > This means people have less savings than they had when they were > > renting and were pouring $10 to 20,000 a year down the drain in > > rent. > > People either rent property or rent money to buy property. We are all > renters. >>> I know, ultimately, the Chinese OWN my house. I don't care. > > In initial years of a mortgage, only about 15% of mortgage payments go > towards equity -- the rest is interest. > > The primary driver of equity build up for buyers is home appreciation > -- which all the fundamentals in the market point to leveling off or > declining. > > If one can rent the same property for 1500/mo, rather than buy it with > a mortgage of 3000/month, the renter is saving $1500 / month. >>> No they are pouring $180,000 every 10 years down the drain. Burning it. OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] ACLU Sues to Expand Bible Tax Break
I didn't know there was a tax bread on the Bible: http://www.guardian.co.uk/uslatest/story/0,1282,-5417272,00.html Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Foreign Investors Lose Appetite for Treasuries
> Current rates are approaching 6%. So lets look at buying a house with an arm at 6%, and then what happens in 3 years if they rise to 12%. >> You sell the mortgage to a mortgage company with a cheaper rate. It is a self-regulating system. > Lets assume 20% down, and the buyer maxes out the % of income lenders > wil usually allow for a mortgage, 30%. So a bloke making 96k a year, > could afford a 500,000 house, if he ponied up 100k down. Monthly > payments would be just short of $2400/month. 28,800 annually. Thats > 30% of his pre-tax income. > > Now if his ARM goes to 12%, his payments become 4,114 a month and > 49,373. per year. Thats now 51% of his income. A pretty big chunk. If > taxes after deductions average about 24%, and he puts 10% in a 401k, > then he has about 15% of his income 1 in 6 dollars to buy food, car, > clothes, vacations, additional health, entertainment, etc. A bit of a > pinch. >>> Maybe he should have bought a $350,000 house instead of being so greedy. > > If the ARMS lifetime cap were 9% -- more real world I believe than 6%,>>> No, mine is a 6% rise cap over the lifetime of the mortgage. > But the news gets much worse . When he bought his house, people in his income range could afford a 500k house, with 20% down. If interest > rates rose by 6% points, the same range buyers could only afford a > 290k house -- a 42% drop. And the same happens to all ranged of buyers. >>> So , he owns a high value commoditysounds good. >>> Suddenly, buyers can only afford and qualify for 58% of the cost of a house they could three years before. Thus, they bid at their max.>>> No, because banks have to make money and believe , THEY WILL. They will do so by adjusting to lower rates. The best rates with the best plan will get the clients and this will self-regulate the trend. It will not be as big a deal as you are claiming. > Sellers begin to lower prices to match demand and in time, >>> No they won't, they will just hold on to them, fix them up, rent them out, whatever, until the market stabalises. It is a market correction, not a meltdown. << sells, he loses his down payment, plus owes the lender $110k extra. > Well, he could walk away you say. Sure. And ruin his credit. And he > would still lose his 100 k down. And the lender would forgive the > remaining loan of 110k after it forclosed. But the IRS counts that as income and the guy would pay taxes on that 110k.>>> So he was doing it for a business? Not to live in it and stop paying 10,000 to 30,000 in rent money down the drain every year. That is 100,000 to 300,000 in money gone to waste...burned, every 10 years. Your arguments are a joke compared to this. He is much better off owning a house than renting, but it is his tough luck if he didn't need a 500,000 house and was doing it as a business. He is still going to be better off than most businesses. > And long term rates that new buyers face are not capped. So if they > rose 9 % points over todays rate,>>> Nonsense, if all US mortgage companies are demanding 15 or 20 % interest, or more , someone somewhere will offer a lower rate and a better deal. This will automatically self-regulate the system. Even if - and this will NEVER happen - ALL the US mortgage companies start to charge exhorbitant rates, some companies in other countries will find a way to take that business from them by offering lower rates and setting up an office in US. Take Canada for example, whose economy is booming and there is no end in sight. A Canadian company will end up offering a better rate and the US companies will be forced to compete and the whole thing will swing back to normalcy. It won't even get to that point though, as it is self-regulating and mortgage companies have to pander to the demand or go out of business. It doesn't have to be Canada either. It could be GB, China, or even Russia. > But since the economy has been fueled by spending from home equity > loans based on recent appreciation, and construction spending, this > would halt suddenly if housing prices drop. The economy could go into > a sharp recession. Employment rates would fall. >> That won't happen. You are thinking parochially. We live in a global economy. Think big, your fears are based on small limits and localised imaginary constraints. OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use
[FairfieldLife] Re: LINK- MAHARISHI AYURVED, BAD EMS GERMANY
--- In FairfieldLife@yahoogroups.com, Ron F <[EMAIL PROTECTED]> wrote: > > CLICK ENGLISH OR A FEW OTHER LANGUAGES > > > http://www.ayurveda-badems.de/ > > * In a list of treatments available at the German spa, Vedic Vibration is not listed -- I wonder why -- VV is available at U.S. MAV clinics: http://www.ayurveda-badems.de/english/ayurveda/therapieverfahren.php http://theraj.com/mvvt/ Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, "authfriend" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, "jim_flanegin" <[EMAIL PROTECTED]> > wrote: > > > > --- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> > wrote: > > > > > > > > > If one can rent the same property for 1500/mo, rather than buy it > with > > > a mortgage of 3000/month, the renter is saving $1500 / month. The > > > buyer is pouring money down the drain unless home prices > apprciate. > > > But there are strong indications that that train will not be back > in > > > town for 5-15 years. > > > > > The one thing overlooked here is a measure of security after the > > mortgage is substantially paid off- In a rapidly developing area, > and > > I know of people caught in this trap here, rentals may be converted > to > > condos, or demolished for housing, leaving the renters, as seniors > no > > where to go, except leave an area where they have established > friends > > and costs. I understand we are all renters, but there is definitely > > more control over our assets if we buy, i.e. rent money from the > bank. > > These days even if you own your home you may be > tossed out via eminent domain. Of course they > do pay you something for the house they tear down, > but I'm not sure how it stacks up to what it would > be if you sold it on the open market. > Yep. What a terrible decision that was! Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, "jim_flanegin" <[EMAIL PROTECTED]> > wrote: > > > > --- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > > > > > > > > If one can rent the same property for 1500/mo, rather than buy it with > > > a mortgage of 3000/month, the renter is saving $1500 / month. The > > > buyer is pouring money down the drain unless home prices apprciate. > > > But there are strong indications that that train will not be back in > > > town for 5-15 years. > > > > > The one thing overlooked here is a measure of security after the > > mortgage is substantially paid off- In a rapidly developing area, and > > I know of people caught in this trap here, rentals may be converted to > > condos, or demolished for housing, leaving the renters, as seniors no > > where to go, except leave an area where they have established friends > > and costs. I understand we are all renters, but there is definitely > > more control over our assets if we buy, i.e. rent money from the bank. > > > Sure, home ownership has other non-monetry benefits. I like owning, > and planting a garden, and being able to tear down a inside wall if I > want. > > But ownership has some burdens too. Several times I had job offers in > other areas, but moving/ selling my home etc was a big hurdle. Owning > ties you to an area. > > And i currently rent a house now. At about 25% of the cost to buy. The > yard sprung a big leak. I was glad to have the owner deal with it. > > And sure, with the condo conversion craze -- soon to end I think as we > sink in a glut of oversupply -- can force renters to move. One has > less control as a renter. But we are in a renters market now. When > rents are so much below mortgages, it gives renters power, -- and > other options. Though, as you point out, it may mean moving out if teh > neighborhood. > > So there are tradeoffs. My main point is that the price apprciation > bandwagon may be over for some time -- and that requires rethinking a > lot of "conventional wisdom" and observed longtime trends. > Yep. I understand that. I was never much for 'flipping' either. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Anybody visited major Temples in India?
In a message dated 11/15/05 11:46:41 A.M. Central Standard Time, [EMAIL PROTECTED] writes: Greetings,Wondering if anybody has visited major temples or done yagyas in India and what experiences were?Jai Guru Deva I went to Badrinath in the mid 90's and bathed in hot spring and did yagya after . The next day I got sick with a virus and fever and was pretty much miserable the rest of the trip. I realized later that people from all over India were coming there and bathing in that same hot spring with God knows what diseases hoping to be cured. I would be very careful about going to temples and dipping in "holy ponds" or sipping water offered by priests. I have had far better experiences doing Satyanarayana Puja in my local temple. To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' SPONSORED LINKS Maharishi university of management Maharishi mahesh yogi Ramana maharshi YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [FairfieldLife] Darshan
--- tomandcindytraynoratfairfieldlis <[EMAIL PROTECTED]> wrote: > Akasha 108 writes: > And many devotees make the (non) distinction that > "here or there, in > their physiccal presence, 10,000 miles away, the > guru is aways there, > full as full can be." > > Has anyone figured out this "distinction" of > wholeness and its > "source" in saint darshan? How much is coming from > the Saint? > > Tom T: > It is my experience that the Guru stirs the > wholeness into activity. > Those in the room feel it in a palpable way. The > guru gives everyone > in the room direct and complete understanding of > what wholeness is. > Any one who is in that room then has the direct > physical experience of > wholeness and the intellectual understanding of how > and why wholeness > is lived through the discourse of the Guru. This > completes the > fullness/wholeness > of both the experience and the intellectual > understanding > simultaneously. Tom There is something about a guru that easily awakens that infinite consciousness in some people. It is not complete projection, nor is it solely the guru doing this. The guru is always offering "it" by their very nature. But the student/chela must bring something to allow that transmission to occur. I'm not sure what that is. Sincere intent? Sattva? > > > > > > Yahoo! Groups Sponsor > ~--> > Get fast access to your favorite Yahoo! Groups. Make > Yahoo! your home page > http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM > ~-> > > > To subscribe, send a message to: > [EMAIL PROTECTED] > > Or go to: > http://groups.yahoo.com/group/FairfieldLife/ > and click 'Join This Group!' > Yahoo! Groups Links > > > [EMAIL PROTECTED] > > > > > > __ Yahoo! FareChase: Search multiple travel sites in one click. http://farechase.yahoo.com Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Lotsa Nostradamus Links
When it gets slow, pull out the ol' Nostradamus to marvel at the accuracy of his prophecies! The other day I got a flat tire and, darned, I should have known that he predicted it: "When the iron bird flies in the land of swamp surrounded by salt, the chariot of the seer will empty of all air." Damn he's good! --- Blue Star <[EMAIL PROTECTED]> wrote: > From: > http://groups.yahoo.com/group/circle2012dreams/ > > Did Nostradamus Predict the Bombing of the Twin > Towers in New York? > http://christiananswers.net/q-comfort/nostradamus.html > > > Looks at the sixteenth-century astrologer's supposed > prophecy. > > Review It Rate It Bookmark It > > Golgotha The Place of the Skull > http://www.placeoftheskull.com > > > The real message of Nostradamus using the foundation > upon which his prophecies stand. Discover the true > purpose of the 'Cite Neufue' (New City) quatrains > and who Nostradamus regarded as antichrist. > > Review It Rate It Bookmark It > > History Lists: Nostradamus > http://users.cybercity.dk/~dko12530/nostradamus.htm > > > Features charts and interpretations of his most well > known predictions. > > Review It Rate It Bookmark It > > How Nostradamus Works > http://www.howstuffworks.com/nostradamus.htm > > > A look at who he was and what he predicted. Also, > the ongoing controversy surrounding his supposed > prediction of the September 11 attack. > > > > > > > > - > Yahoo! FareChase - Search multiple travel sites in > one click. __ Yahoo! FareChase: Search multiple travel sites in one click. http://farechase.yahoo.com Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Lotsa Nostradamus Links
From: http://groups.yahoo.com/group/circle2012dreams/ Did Nostradamus Predict the Bombing of the Twin Towers in New York? http://christiananswers.net/q-comfort/nostradamus.html Looks at the sixteenth-century astrologer's supposed prophecy. Review It Rate It Bookmark It Golgotha The Place of the Skull http://www.placeoftheskull.com The real message of Nostradamus using the foundation upon which his prophecies stand. Discover the true purpose of the 'Cite Neufue' (New City) quatrains and who Nostradamus regarded as antichrist. Review It Rate It Bookmark It History Lists: Nostradamus http://users.cybercity.dk/~dko12530/nostradamus.htm Features charts and interpretations of his most well known predictions. Review It Rate It Bookmark It How Nostradamus Works http://www.howstuffworks.com/nostradamus.htm A look at who he was and what he predicted. Also, the ongoing controversy surrounding his supposed prediction of the September 11 attack. Yahoo! FareChase - Search multiple travel sites in one click. To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' SPONSORED LINKS Maharishi university of management Maharishi mahesh yogi Ramana maharshi YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, "jim_flanegin" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > > > > If one can rent the same property for 1500/mo, rather than buy it with > > a mortgage of 3000/month, the renter is saving $1500 / month. The > > buyer is pouring money down the drain unless home prices apprciate. > > But there are strong indications that that train will not be back in > > town for 5-15 years. > > > The one thing overlooked here is a measure of security after the > mortgage is substantially paid off- In a rapidly developing area, and > I know of people caught in this trap here, rentals may be converted to > condos, or demolished for housing, leaving the renters, as seniors no > where to go, except leave an area where they have established friends > and costs. I understand we are all renters, but there is definitely > more control over our assets if we buy, i.e. rent money from the bank. Sure, home ownership has other non-monetry benefits. I like owning, and planting a garden, and being able to tear down a inside wall if I want. But ownership has some burdens too. Several times I had job offers in other areas, but moving/ selling my home etc was a big hurdle. Owning ties you to an area. And i currently rent a house now. At about 25% of the cost to buy. The yard sprung a big leak. I was glad to have the owner deal with it. And sure, with the condo conversion craze -- soon to end I think as we sink in a glut of oversupply -- can force renters to move. One has less control as a renter. But we are in a renters market now. When rents are so much below mortgages, it gives renters power, -- and other options. Though, as you point out, it may mean moving out if teh neighborhood. So there are tradeoffs. My main point is that the price apprciation bandwagon may be over for some time -- and that requires rethinking a lot of "conventional wisdom" and observed longtime trends. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, "jim_flanegin" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > > > > If one can rent the same property for 1500/mo, rather than buy it with > > a mortgage of 3000/month, the renter is saving $1500 / month. The > > buyer is pouring money down the drain unless home prices apprciate. > > But there are strong indications that that train will not be back in > > town for 5-15 years. > > > The one thing overlooked here is a measure of security after the > mortgage is substantially paid off- In a rapidly developing area, and > I know of people caught in this trap here, rentals may be converted to > condos, or demolished for housing, leaving the renters, as seniors no > where to go, except leave an area where they have established friends > and costs. I understand we are all renters, but there is definitely > more control over our assets if we buy, i.e. rent money from the bank. These days even if you own your home you may be tossed out via eminent domain. Of course they do pay you something for the house they tear down, but I'm not sure how it stacks up to what it would be if you sold it on the open market. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Darshan
Akasha 108 writes: And many devotees make the (non) distinction that "here or there, in their physiccal presence, 10,000 miles away, the guru is aways there, full as full can be." Has anyone figured out this "distinction" of wholeness and its "source" in saint darshan? How much is coming from the Saint? Tom T: It is my experience that the Guru stirs the wholeness into activity. Those in the room feel it in a palpable way. The guru gives everyone in the room direct and complete understanding of what wholeness is. Any one who is in that room then has the direct physical experience of wholeness and the intellectual understanding of how and why wholeness is lived through the discourse of the Guru. This completes the fullness/wholeness of both the experience and the intellectual understanding simultaneously. Tom Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > If one can rent the same property for 1500/mo, rather than buy it with > a mortgage of 3000/month, the renter is saving $1500 / month. The > buyer is pouring money down the drain unless home prices apprciate. > But there are strong indications that that train will not be back in > town for 5-15 years. > The one thing overlooked here is a measure of security after the mortgage is substantially paid off- In a rapidly developing area, and I know of people caught in this trap here, rentals may be converted to condos, or demolished for housing, leaving the renters, as seniors no where to go, except leave an area where they have established friends and costs. I understand we are all renters, but there is definitely more control over our assets if we buy, i.e. rent money from the bank. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Anybody visited major Temples in India?
--- In FairfieldLife@yahoogroups.com, "brahmachari108" <[EMAIL PROTECTED]> wrote: > > Greetings, > > Wondering if anybody has visited major temples or done yagyas in India and what > experiences were? > > Jai Guru Deva > I have many times in Tamil Nadu and Andra Pradesh. As many here know I have lots of information on my website www.puja.net. In summary, I can say that the large famous temples are lots of fun and inspiring places to visit. But unless you have your own priest to act as a guide, they are rather impersonal and you may be restricted in getting into the places you want to see, particularly in Vaishnava temples. For yagyas in person you are better off with a smaller temple where you will have more personal attention and be less likely to run afoul of restrictions on foreigners etc. In those instances you will be doing some good for the temple and the priests and they will generally treat you very nicely. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Lalitha Sahasranam posted on-line
Right! My mistake. Sorry! Ben --- In FairfieldLife@yahoogroups.com, "brahmachari108" <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, "benjaminccollins" <[EMAIL PROTECTED]> wrote: > >snip > > I have some recordings of Lalith Sahasranam which I will post on > > www.puja.net so anyone who wants them can download for free. I think > > > Interestingly enough the site where Agastya-rishi was given this > > knowledge by Varaha is the Varadaraja Temple in Kanchipuram southeast > > of Madras. > > Conflicting information here. You suggest Varaha (Vishnu's avatara as Boar) is the one who > gave to Rishi Agastya. > Another poster says Hayagriva (Horse avatara) presented it to Agastya. > > Where do you get your information? > > Upon diligent searching, no where is Varaha connected. > Hayagriva is noted as the channel for this knowledge of Lalita Sahasranama. > > http://www.factbites.com/topics/Lalitha-Sahasranama > > http://encyclopedia.thefreedictionary.com/Lalitha+sahasranama > > BTW: accuracy not in question.. but impossible for an inexperienced one to follow...the > chanting mP3 you posted is. > Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] The Oral Tradition from Zhang-zhung
Am reading the just printed work _Zhang-zhung Nyangyud, the Oral Tradition from Zhang-zhung_. It is an excellent overview of this barely known yogic tradition, including their lineage of Mahasiddhas and Rishis. Not to be missed.Zhang Zhung was the country originally in the region surrounding present day Mount Kailash, sacred abode of Shiva, holy to Hindus, Buddhists, Taoists and Bonpos. A Nyan Gyud is an oral tradition. Nyan Gyuds are the form ancient teachings as passed on across long stretches of time, consequently an entire teaching may be encapsulated in a sentence or a paragraph. It takes an oral explanantion to unravel the Nyan Gyuds content. These Nyam Gyuds were first written down in the 8th century of the common era, but were completely oral for hundred (some say thousands) of years before. This tradition has continued unbroken up to the present day.The Zhang Zhung Nyan Gyud contains the oldest written record of the original Dzogchen or Mahasandhi teachings.Zhang-zhung Nyangyud, the Oral Tradition from Zhang-zhung"The original Dzogchen teachings are found equally in the old, unreformed Tibetan schools of the Buddhist Nyingmapas and the pre- Buddhist Bonpos. These teachings are substantially the same in both schools in terms of meaning, terminology, and practice, both traditions justly claiming unbroken lineages of transmission coming down to the present day from the 8th century, and even before. Moreover, both schools assert that Dzogchen did not originate in Tibet itself, or even in India, but in Central Asia, variously known as Tazik and Uddiyana. From there it was brought to India and Central Tibet by certain Mahasiddhas, or great adepts, where it represented an Upadesha, or secret oral instruction, concerning an unconditioned state of being and awareness beyond the Tantric process of transformation. In this volume will be found translations from the Tibetan of the Dzogchen teachings originally transmitted by the master Tapihritsa to his disciple Nangzher Lodpo at the Darok Lake in Zhang-zhung, or Northwestern Tibet, which, at that time, was still an independent kingdom.The texts of the Zhang-zhung Nyan-gyud, first written down in the 8th century in the Zhang-zhung language and a century later translated by Ponchen Tsanpo into Tibetan, never became Termas, or hidden treasure texts, but represent a continuous system of oral and written transmission until the present time. "Translator: John Myrdhin ReynoldsISBN: 9994664441http://www.namsebangdzo.com/Oral_Tradition_From_Zhang_Zhung_p/13631.htm To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' SPONSORED LINKS Maharishi university of management Maharishi mahesh yogi Ramana maharshi YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[FairfieldLife] Anybody visited major Temples in India?
Greetings, Wondering if anybody has visited major temples or done yagyas in India and what experiences were? Jai Guru Deva Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Lalitha Sahasranam posted on-line
--- In FairfieldLife@yahoogroups.com, "benjaminccollins" <[EMAIL PROTECTED]> wrote: >snip > I have some recordings of Lalith Sahasranam which I will post on > www.puja.net so anyone who wants them can download for free. I think > Interestingly enough the site where Agastya-rishi was given this > knowledge by Varaha is the Varadaraja Temple in Kanchipuram southeast > of Madras. Conflicting information here. You suggest Varaha (Vishnu's avatara as Boar) is the one who gave to Rishi Agastya. Another poster says Hayagriva (Horse avatara) presented it to Agastya. Where do you get your information? Upon diligent searching, no where is Varaha connected. Hayagriva is noted as the channel for this knowledge of Lalita Sahasranama. http://www.factbites.com/topics/Lalitha-Sahasranama http://encyclopedia.thefreedictionary.com/Lalitha+sahasranama BTW: accuracy not in question.. but impossible for an inexperienced one to follow...the chanting mP3 you posted is. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Re: Study cites recent trends that signal housing bubble
Pretty much any topic is fair game. We have discussed spirituality, politics, economics, morality and higher states of consciousness, drug laws, evolution vs. creationism, euthanasia, enlightenment, advaita, reincarnation, karma, jyotish (Vedic astrology), yagya, ayurveda, dzogchen, tai chi, tantra, channeling, vegetarianism, kundalini, Sthapatya-Veda, celibacy, sexuality, homosexuality, abortion, racism, UFOs, Buddhism, Hinduism, Veda, Christianity, Islam, Sufism, Judaism, Scientology, etc. on 11/15/05 11:13 AM, akasha_108 at [EMAIL PROTECTED] wrote: > --- In FairfieldLife@yahoogroups.com, [EMAIL PROTECTED] wrote: >> >> lets leave the national housing picture to individual writings but > NOT this form PLEASE , as NOT of general interest. > > Perhaps you can simple delete or ignore such if they are not of > personal interest. Many posts do not appeal to all readers. > > Is katrina, the tsunami or bird flu purely a FF issue? Many national > and international issues affect FF -- as well as the large number of > FFL participants who no longer live in FF. > > The potential emerging housing bubble and related drivers, could > strongly affect FF interest rates, home sales and prices, employment > and income levels, migration in and out of FF, gov debt, social > security reform and tax rates. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Study cites recent trends that signal housing bubble let the read the WSJ
LET us if so interested read the wall St. journal as I do. To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, [EMAIL PROTECTED] wrote: > > lets leave the national housing picture to individual writings but NOT this form PLEASE , as NOT of general interest. Perhaps you can simple delete or ignore such if they are not of personal interest. Many posts do not appeal to all readers. Is katrina, the tsunami or bird flu purely a FF issue? Many national and international issues affect FF -- as well as the large number of FFL participants who no longer live in FF. The potential emerging housing bubble and related drivers, could strongly affect FF interest rates, home sales and prices, employment and income levels, migration in and out of FF, gov debt, social security reform and tax rates. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Re: Study cites recent trends that signal housing bubble
lets leave the national housing picture to individual writings but NOT this form PLEASE , as NOT of general interest. To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' SPONSORED LINKS Maharishi university of management Maharishi mahesh yogi Ramana maharshi YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> > wrote: > > > > Per recent housing price discussion, a new study highlights three > key > > factors that distinguish the current pruce surge and the > traditional > > housing price cycle -- indicating a potential bubble. > > > > --- > > Study cites recent trends that signal housing bubble > > > > Washington, DC - Recent trends in the housing market suggest a > > dangerous housing bubble, rather than a run-up caused by > fundamental > > factors such as higher incomes and population growth, according to > a > > new study by the Center for Economic and Policy Research (CEPR). > > > > The report, "Will a Bursting Bubble Trouble Bernanke? The Evidence > for > > a Housing Bubble," cites three trends in the housing market that > > suggest an unsustainable increase in house prices: 1) A sharp > > divergence between house sale prices and rents; >> > > > No, in the past rents were too close to the cost of buying a house, > now it is more expensive to buy a house than to rent, and this is a > normal market correction. Normal. Huh? It is normal, the market is in equillibrium, when rents = mortgage payments (after tax, after homeowner costs). The fact that rents are at or below 50% of mortgage payments in many areas indicates that the housing market is seriously out of what and a correction is probably to bring prices in line with rents and to bring affordability from 15% in many areas back to 50% or more. > > 2) An extraordinary > > jump in the rate of housing construction; >>> > > Only in parts of the country, where there has been an increase in > jobs. Normal. The construction increases have been in areas where housing prices have risen sharply. Contributing to a potential emerging over-supply situation -- that will put downward pressure on prices. > > << 3) A sharp decline in > > the savings rate, driven by a housing wealth effect.>>> > This means people have been drawing heavily on home equity loans supported by increased paper profits in the recent rises equity in their homes. This means people are spending more, as a % of income, thus savings rates are declining -- a bad thing for future interest rates and productivity. > This means people have less savings than they had when they were > renting and were pouring $10 to 20,000 a year down the drain in > rent. People either rent property or rent money to buy property. We are all renters. In initial years of a mortgage, only about 15% of mortgage payments go towards equity -- the rest is interest. The primary driver of equity build up for buyers is home appreciation -- which all the fundamentals in the market point to leveling off or declining. If one can rent the same property for 1500/mo, rather than buy it with a mortgage of 3000/month, the renter is saving $1500 / month. The buyer is pouring money down the drain unless home prices apprciate. But there are strong indications that that train will not be back in town for 5-15 years. Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Foreign Investors Lose Appetite for Treasuries
--- In FairfieldLife@yahoogroups.com, off_world_beings <[EMAIL PROTECTED]> wrote: > > --- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > > > This, if a continuing trend, would signal a trend in the > > (long-anticipated) rise of long term bond rates -- the "solution" to > > the conundrum Fed Chariman Greenspan has been commenting on for some time - the flattening of the yield cure -- the rise in short term rates (that the Fed can highly influence) while long-term rates (upon -- which fixed mortgage rates are based -- and the periodic adjustment in ARMS are pegged) are flat or declining > > > > Steadily rising mortgage rates may be trigger for housing price > > deflation --- (the bursting of the housing bubble) given that it has contorted itself to such unsustainable levels. >> > > > and most have a cap of how much they can rise > above the initial rate. So if you have an 8% rate then, under the > worst case scenario, your rate would go to 14% and that would be the > highest allowed by law. Therefore the mortgage rate increase is not as dire as people think. It is not like your rate could go up to 20% or 30% or something. Are you aware of this? No one is predicting 30% rates. But do you realize what an additional 6 % points would do to the housing market? (btw, my experience with ARMS is the lifetime cap is higher than 6%, but lets use your figures.) Current rates are approaching 6%. So lets look at buying a house with an arm at 6%, and then what happens in 3 years if they rise to 12%. Both to the buyer, and the whole housing maket. Lets assume 20% down, and the buyer maxes out the % of income lenders wil usually allow for a mortgage, 30%. So a bloke making 96k a year, could afford a 500,000 house, if he ponied up 100k down. Monthly payments would be just short of $2400/month. 28,800 annually. Thats 30% of his pre-tax income. Now if his ARM goes to 12%, his payments become 4,114 a month and 49,373. per year. Thats now 51% of his income. A pretty big chunk. If taxes after deductions average about 24%, and he puts 10% in a 401k, then he has about 15% of his income 1 in 6 dollars to buy food, car, clothes, vacations, additional health, entertainment, etc. A bit of a pinch. If the ARMS lifetime cap were 9% -- more real world I believe than 6%, then 63% of income goes to house payments. After taxes and 401k, he has 3% of gross income to spend on food, car, clothes, vacations, additional health, entertainment, etc. But the news gets much worse . When he bought his house, people in his income range could afford a 500k house, with 20% down. If interest rates rose by 6% points, the same range buyers could only afford a 290k house -- a 42% drop. And the same happens to all ranged of buyers. Suddenly, buyers can only afford and qualify for 58% of the cost of a house they could three years before. Thus, they bid at their max. Sellers begin to lower prices to match demand and in time, prices of comps for the blokes 500 k house are now in the $290 range. If he sells, he loses his down payment, plus owes the lender $110k extra. Well, he could walk away you say. Sure. And ruin his credit. And he would still lose his 100 k down. And the lender would forgive the remaining loan of 110k after it forclosed. But the IRS counts that as income and the guy would pay taxes on that 110k. And long term rates that new buyers face are not capped. So if they rose 9 % points over todays rate, buyers would be able to buy only about 47% of the price of a house they could when rates were at 6%. The market corrects, and prices approach 50% of their former recent value. And markets may overcorrect, as people are forced to dump property. Thus prices could even go down further. And all this just from a jump in interest rates. But since the economy has been fueled by spending from home equity loans based on recent appreciation, and construction spending, this would halt suddenly if housing prices drop. The economy could go into a sharp recession. Employment rates would fall. Thus there would be less buyers than before -- driving prices even lower. So the art Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Fwd: [Kundalini_Reiki]:Comparing Yogic Kundalini and Reiki Tummo
--- Vaj <[EMAIL PROTECTED]> wrote: > > On Nov 15, 2005, at 8:19 AM, paramajaya wrote: > > > 2: The initiation or shaktipat does not open all > of the chakra > > knots, the core > > channel (sushumna) is not opened and the chakras > are not opened. > > Hundreds and > > hundreds of hours of practice with the best Yogic > techniques, even > > those not > > found in books and only passed down from teacher > to student, does > > not result in > > the opening of chakra knots and widening of the > sushumna. The > > opening and > > widening of the sushumna represents exhausting > lifetimes of negative > > Karma. > > This is viewed as very difficult to achieve or to > live through, > > since ones life > > would fall apart due to the excessive negative > karma that ripened. > > I wonder who taught you this? The two side channels, > when they are > brought successfully into the central channel, the > avadhuti or > sushumna, transform karmic prana in jnanic prana. If > done correctly, > there should be no reliving of all the negative > karmas, as they are > neutralized in the conjunction of opposites! > Practice should burn off > the obscurations as your progress advances. > > I'm also puzzled as to how the phrase "Reiki Tummo" > came to be used-- > Reiki being Japanese, and Tummo (gtummo) being > Tibetan! I'm right behind you on this one, Vaj. What the hell is he talking about? Out of what tradition or body of knowledge are you speaking? Is this your direct experience? > > __ Yahoo! FareChase: Search multiple travel sites in one click. http://farechase.yahoo.com Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Gurpurab Greetings - Gurupurab di lakh lakh vadhai
Wahe Guru Ji Ka Khalsa - Wahe Guru Ji Ki FatehGurpurab Greetings Aap sab nu Guru Nanak Dev Ji De parkash utsav di lakh lakh vadhai.Click Here to view Audio Visual Greeting Card online or copy paste link http://www.interfaithcharities.org/gc/ Bir Ishwar Singh - InterFaith Charities TeamLoma Linda, California - Los Vegas,Nevada To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[FairfieldLife] Re: Darshan (was: Sugar-Coated Poison: )
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > But I agree, experientially, that inanimate things, like a "tree", > can serve as a catalyst. I used to literally have a "tree temple" in a > large park -- that I "figured", "vowed" , "decided", "intuited" that > through devotion I could make the divine manifest in that very spot. > Like a murti in a temple. > > My above question has to do with the question of if its our "image" > and "expectations" of the saints purity that invokes that within us, > starting the energy chain and inner dynamics. > How else could you explain the radical shifts in perception that can happen in one's relationship to a guru, shifts that are rather common also. After major disappointments the perfect divine guru changes to the embodiment of Satan. I have witnessed this kind of shift in a friend of mine. To me both these extremes are just projections. The person, imperfect human being, behind the guru mask is not seen. I meet on daily basis people who shine forth the divine Self. They are quite ordinary people. It takes a certain kind of personality structure and cultural influence for one to become a guru. Irmeli Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Study cites recent trends that signal housing bubble
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > Per recent housing price discussion, a new study highlights three key > factors that distinguish the current pruce surge and the traditional > housing price cycle -- indicating a potential bubble. > > --- > Study cites recent trends that signal housing bubble > > Washington, DC - Recent trends in the housing market suggest a > dangerous housing bubble, rather than a run-up caused by fundamental > factors such as higher incomes and population growth, according to a > new study by the Center for Economic and Policy Research (CEPR). > > The report, "Will a Bursting Bubble Trouble Bernanke? The Evidence for > a Housing Bubble," cites three trends in the housing market that > suggest an unsustainable increase in house prices: 1) A sharp > divergence between house sale prices and rents; >> No, in the past rents were too close to the cost of buying a house, now it is more expensive to buy a house than to rent, and this is a normal market correction. Normal. 2) An extraordinary > jump in the rate of housing construction; >>> Only in parts of the country, where there has been an increase in jobs. Normal. << 3) A sharp decline in > the savings rate, driven by a housing wealth effect.>>> This means people have less savings than they had when they were renting and were pouring $10 to 20,000 a year down the drain in rent. Now they are buying and therefore have less savings but are not wasting money on rent. OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Foreign Investors Lose Appetite for Treasuries
--- In FairfieldLife@yahoogroups.com, akasha_108 <[EMAIL PROTECTED]> wrote: > > This, if a continuing trend, would signal a trend in the > (long-anticipated) rise of long term bond rates -- the "solution" to > the conundrum Fed Chariman Greenspan has been commenting on for some > time - the flattening of the yield cure -- the rise in short term > rates (that the Fed can highly influence) while long-term rates (upon > -- which fixed mortgage rates are based -- and the periodic adjustment > in ARMS are pegged) are flat or declining > > Steadily rising mortgage rates may be trigger for housing price > deflation --- (the bursting of the housing bubble) given that it has > contorted itself to such unsustainable levels. >> Are you aware that all mortgages are subject to less than a 3 percent rise each year by law, and most have a cap of how much they can rise above the initial rate. So if you have an 8% rate then, under the worst case scenario, your rate would go to 14% and that would be the highest allowed by law. Therefore the mortgage rate increase is not as dire as people think. It is not like your rate could go up to 20% or 30% or something. Are you aware of this? These types of caps are what keep people interested in getting mortgages and those mortgage companies that don't offer them as a matter of course are going defunct. OffWorld Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Fwd: [Kundalini_Reiki]:Comparing Yogic Kundalini and Reiki Tummo
On Nov 15, 2005, at 8:19 AM, paramajaya wrote:2: The initiation or shaktipat does not open all of the chakra knots, the core channel (sushumna) is not opened and the chakras are not opened. Hundreds and hundreds of hours of practice with the best Yogic techniques, even those not found in books and only passed down from teacher to student, does not result in the opening of chakra knots and widening of the sushumna. The opening and widening of the sushumna represents exhausting lifetimes of negative Karma. This is viewed as very difficult to achieve or to live through, since ones life would fall apart due to the excessive negative karma that ripened. I wonder who taught you this? The two side channels, when they are brought successfully into the central channel, the avadhuti or sushumna, transform karmic prana in jnanic prana. If done correctly, there should be no reliving of all the negative karmas, as they are neutralized in the conjunction of opposites! Practice should burn off the obscurations as your progress advances.I'm also puzzled as to how the phrase "Reiki Tummo" came to be used--Reiki being Japanese, and Tummo (gtummo) being Tibetan! To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' SPONSORED LINKS Maharishi university of management Maharishi mahesh yogi Ramana maharshi YAHOO! GROUPS LINKS Visit your group "FairfieldLife" on the web. To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[FairfieldLife] Fwd: [Kundalini_Reiki]:Comparing Yogic Kundalini and Reiki Tummo
From: "Ed Rubenstein" <[EMAIL PROTECTED]> Date: Mon Nov 14, 2005 3:03 am Subject: [Kundalini_Reiki]:Comparing Yogic Kundalini and Reiki Tummo I would like to share my understanding about kundalini since I have experience of kundalini from both the perspective of the ancient traditional Yogic approach and Reiki Tummo. I practiced kundalini from an ancient yogic approach for over 15 years, and that included 3 years in Nepal and India. Awakening of kundalini by Yogic Guru or representative of the Guru is referred to as shaktipat or initiation. A typical way this occurs is through the repetition of a siddha mantra while focusing on a particular chakra. This activates kundalini, breaks the knot it the base chakra and can open the ida channel. The teachings explain this as the most blessed gift and the start of the real journey of life because Kundalini begins its spiritual journey home. The problem is that even the great Yogic Spiritual Masters who disciples view as fully self-realized beings or deities in human form do not claim to be able to open up the other chakra knots that block kundalini from being able to flow up the core channel (sushumna). The Yogic Spiritual Masters say that the widening of the sushumna and opening of the chakra knots can not instantly occur because tremendous amounts of samskara (karma) would be released and a disciple could not survive the personal trauma and turmoil that would occur from the ripening of the karma. So in addition to using a siddha mantra to meditate and arouse kundalini, there are other yogic practices that are taught. For example, there is pranayam breathing to purify the ida and pingla energy channels, asana postures for developing glands, meditation on the chakras using the acoustic sound of that particular chakra along with the color and shape relevant to that chakra, fasting, pure vegetarian diet, and other spiritual practices. The goal of these practices is to purify the seven energetic body layers referred to as the Kosas, open energy channels and the chakra knots, and widen the sushumna so that kundalini can complete its journey. I spent many months in the Himalayas engaging in these practices for seven hours a day. I was able to experience the space between my thoughts and the space between my breaths, which is traditionally considered to be an important passage, but my sushumna and all of my chakra knots did not open. I had kundalini energetic sensations, though after many years of practice I concluded that my efforts had long ago stagnated and I did not experience any new significant spiritual progress. As I observed friends and yogic monks and nuns from different yogic traditions, who engaged in extensive yogic kundalini practices for many years, I felt that they were not making the big spiritual breakthroughs that I once believed would occur if we just meditated long enough or more diligently. My dream of kundalini reaching the crown chakra and achieving the highest Samadhi states was broken and I became disillusioned with the ancient system of Yoga. >From my experience, the traditional ancient yogic path has limitations that are often not understood by spiritual seekers when they are beginning the yogic path. I share these not to be disrespectful to the honored ancient traditions, but to help spiritual seekers realize that there is a difference between the old school yogic approach and Reiki Tummo which is available to us in the present and supporting us to fulfill our ultimate spiritual destiny. This is available to us now due to the shifts in existence that have occurred since the year 2000. Below are the limitations of the ancient yogic path that I have come to understand. 1: Students frequently become top heavy, like a tree that grows wide on the top but does not have a root system to support its top growth. Asana postures are used as the main spiritual practice to accomplish grounding. The problem is that during the initiation or shaktipat with the Yogic teacher, the sushumna channel is not opened to the core of the earth. Proper rooted grounding is not achieved, and it is common that students may become spacey, ungrounded, or develops health problems because they are not properly connected to earth energy. 2: The initiation or shaktipat does not open all of the chakra knots, the core channel (sushumna) is not opened and the chakras are not opened. Hundreds and hundreds of hours of practice with the best Yogic techniques, even those not found in books and only passed down from teacher to student, does not result in the opening of chakra knots and widening of the sushumna. The opening and widening of the sushumna represents exhausting lifetimes of negative Karma. This is viewed as very difficult to achieve or to live through, since ones life would fall apart due to the excessive negative karma that ripened. 3: Ancient Yogic Systems are mostly based on worship of a Guru or
[FairfieldLife] LINK- MAHARISHI AYURVED, BAD EMS GERMANY
CLICK ENGLISH OR A FEW OTHER LANGUAGES http://www.ayurveda-badems.de/ __ Yahoo! FareChase: Search multiple travel sites in one click. http://farechase.yahoo.com Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
Re: [FairfieldLife] Re: Sugar-Coated Poison: Earth turns around the sun not the other way: (How MMY
--- jyouells2000 <[EMAIL PROTECTED]> wrote: > --- In FairfieldLife@yahoogroups.com, Peter > <[EMAIL PROTECTED]> wrote: > > > > > > > > --- Rick Archer <[EMAIL PROTECTED]> > > wrote: > > > > > on 11/14/05 10:55 AM, authfriend at [EMAIL PROTECTED] > > > wrote: > > > > > > > > That referred specifically to the > hyperventilation > > > > (Sudarshan Kriya) technique. MMY is also > supposed > > > to > > > > have said it was "dangerous." > > > > > > > > There's lots of stuff about Shankar on > > > > alt.meditation.transcendental. Do a search > for > > > > "Ravi Shankar" rather than "SSRS," though. > > > > > > Amma also cautions against intense forms of > > > pranayama. Peter, have there > > > been instances of people blowing their circuits > out > > > doing this? > > > > None that I've heard about. Maybe its the three > cycles > > of long, medium and short that make it easier on > the > > body. > > > To classify Sudarshan Kriya as 'hyperventilation' is > a > mischaracterisation. Is fast pranayam > hyperventilation too? > > JohnY Like calling TM the "mindless repetition of a meaningless sound" > > > > > > Yahoo! Groups Sponsor > ~--> > Get fast access to your favorite Yahoo! Groups. Make > Yahoo! your home page > http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM > ~-> > > > To subscribe, send a message to: > [EMAIL PROTECTED] > > Or go to: > http://groups.yahoo.com/group/FairfieldLife/ > and click 'Join This Group!' > Yahoo! Groups Links > > > [EMAIL PROTECTED] > > > > > __ Start your day with Yahoo! - Make it your home page! http://www.yahoo.com/r/hs Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
[FairfieldLife] Re: Best commentary on Yoga Sutras
--- In FairfieldLife@yahoogroups.com, johnlasher20002000 <[EMAIL PROTECTED]> wrote: > > This is by far the best commentary on the Yoga Sutras I've read > > http://www.rainbowbody.net/HeartMind/Yogasutra.htm#translation > Wow! Thanx! That's way cool! The transliteration, I guess in a typical south Indian fashion, slightly sucks, but for instance the commentary for III 3 (samaadhi) made me tickled pink! Yahoo! Groups Sponsor ~--> Get fast access to your favorite Yahoo! Groups. Make Yahoo! your home page http://us.click.yahoo.com/dpRU5A/wUILAA/yQLSAA/JjtolB/TM ~-> To subscribe, send a message to: [EMAIL PROTECTED] Or go to: http://groups.yahoo.com/group/FairfieldLife/ and click 'Join This Group!' Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/FairfieldLife/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/