[FairfieldLife] Re: Best commentary on Yoga Sutras

2005-11-15 Thread cardemaister
--- 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/
 




Re: [FairfieldLife] Re: Sugar-Coated Poison: Earth turns around the sun not the other way: (How MMY

2005-11-15 Thread Peter


--- 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] LINK- MAHARISHI AYURVED, BAD EMS GERMANY

2005-11-15 Thread Ron F
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/
 




[FairfieldLife] Fwd: [Kundalini_Reiki]:Comparing Yogic Kundalini and Reiki Tummo

2005-11-15 Thread paramajaya
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 

Re: [FairfieldLife] Fwd: [Kundalini_Reiki]:Comparing Yogic Kundalini and Reiki Tummo

2005-11-15 Thread Vaj


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] Re: Foreign Investors Lose Appetite for Treasuries

2005-11-15 Thread off_world_beings
--- 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/
 




[FairfieldLife] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread off_world_beings
--- 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: Darshan (was: Sugar-Coated Poison: )

2005-11-15 Thread Irmeli Mattsson
--- 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] Gurpurab Greetings - Gurupurab di lakh lakh vadhai

2005-11-15 Thread InterFaith Charities Secretariat



Wahe Guru Ji Ka Khalsa - Wahe Guru Ji Ki FatehGurpurab GreetingsAap sab nu Guru Nanak Dev Ji De parkash utsav di lakh lakh vadhai.Click Here to viewAudio Visual Greeting Card online or copy paste linkhttp://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.



  









Re: [FairfieldLife] Fwd: [Kundalini_Reiki]:Comparing Yogic Kundalini and Reiki Tummo

2005-11-15 Thread Peter


--- 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] Re: Foreign Investors Lose Appetite for Treasuries

2005-11-15 Thread akasha_108
--- 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/
 




[FairfieldLife] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread akasha_108
--- 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/
 




Re: [FairfieldLife] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread WLeed3





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

2005-11-15 Thread akasha_108
--- 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

2005-11-15 Thread WLeed3





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.



  









Re: [FairfieldLife] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread Rick Archer
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] Re: Lalitha Sahasranam posted on-line

2005-11-15 Thread brahmachari108
--- 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] Anybody visited major Temples in India?

2005-11-15 Thread brahmachari108
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] The Oral Tradition from Zhang-zhung

2005-11-15 Thread Vaj


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] Re: Lalitha Sahasranam posted on-line

2005-11-15 Thread benjaminccollins

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] Re: Anybody visited major Temples in India?

2005-11-15 Thread benjaminccollins
--- 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: Study cites recent trends that signal housing bubble

2005-11-15 Thread jim_flanegin
--- In FairfieldLife@yahoogroups.com, akasha_108 [EMAIL PROTECTED] wrote:

big snip 

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] Darshan

2005-11-15 Thread tomandcindytraynoratfairfieldlis
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

2005-11-15 Thread authfriend
--- In FairfieldLife@yahoogroups.com, jim_flanegin [EMAIL PROTECTED] 
wrote:

 --- In FairfieldLife@yahoogroups.com, akasha_108 [EMAIL PROTECTED] 
wrote:
 
 big snip 
 
 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] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread akasha_108
--- In FairfieldLife@yahoogroups.com, jim_flanegin [EMAIL PROTECTED]
wrote:

 --- In FairfieldLife@yahoogroups.com, akasha_108 [EMAIL PROTECTED] wrote:
 
 big snip 
 
 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] Lotsa Nostradamus Links

2005-11-15 Thread Blue Star



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.



  









Re: [FairfieldLife] Lotsa Nostradamus Links

2005-11-15 Thread Peter
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/
 




Re: [FairfieldLife] Darshan

2005-11-15 Thread Peter


--- 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] Anybody visited major Temples in India?

2005-11-15 Thread MDixon6569






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.



  









[FairfieldLife] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread jim_flanegin
--- 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:
  
  big snip 
  
  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/
 




[FairfieldLife] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread jim_flanegin
--- 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:
  
  big snip 
  
  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: LINK- MAHARISHI AYURVED, BAD EMS GERMANY

2005-11-15 Thread bbrigante
--- 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] ACLU Sues to Expand Bible Tax Break

2005-11-15 Thread Bhairitu
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: Study cites recent trends that signal housing bubble

2005-11-15 Thread off_world_beings

  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] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread off_world_beings
--- 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:
  
  big snip 
  
  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/
 





Re: [FairfieldLife] Anybody visited major Temples in India?

2005-11-15 Thread Peter
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/
 




Re: [FairfieldLife] Anybody visited major Temples in India?

2005-11-15 Thread MDixon6569






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.



  









[FairfieldLife] A friend's response to Bird Flu - Healthy News Article from Mercola.com

2005-11-15 Thread Rick Archer
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/
 




[FairfieldLife] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread akasha_108
--- 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 sale prices in many metropolitan

[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com

2005-11-15 Thread jim_flanegin
--- 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

2005-11-15 Thread off_world_beings
\
 
 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

2005-11-15 Thread off_world_beings
 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: A friend's response to Bird Flu - Healthy News Article from Mercola.com

2005-11-15 Thread authfriend
--- 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: Anybody visited major Temples in India?

2005-11-15 Thread sparaig
--- 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

2005-11-15 Thread sparaig
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] Fiscal train wreck feared

2005-11-15 Thread anonymousff
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/FairfieldLife/
and 

[FairfieldLife] Re: Fiscal train wreck feared

2005-11-15 Thread authfriend
--- 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] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread akasha_108
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

2005-11-15 Thread jim_flanegin
--- 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: Fiscal train wreck feared

2005-11-15 Thread akasha_108
--- 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-wallmain.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 prices for homes have generally kept

[FairfieldLife] Re: Fiscal train wreck feared

2005-11-15 Thread akasha_108
--- 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] The Long-Run Relationship between House Prices and Rents

2005-11-15 Thread akasha_108
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

2005-11-15 Thread anonymousff
--- 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.
snipped here

 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] Bushenomics

2005-11-15 Thread anonymousff
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
stadium 

[FairfieldLife] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com

2005-11-15 Thread off_world_beings
--- 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 brainOff_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] Re: Study cites recent trends that signal housing bubble

2005-11-15 Thread off_world_beings
--- 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

2005-11-15 Thread off_world_beings
--- 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 brainOff_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] Rick, you can post this from a friend'

2005-11-15 Thread Rick Archer
*** 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 ?


[FairfieldLife] Maharishi Speaks on Blessings of the Devatas on Deva Prabhodini

2005-11-15 Thread Rick Archer
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 treasurys 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 possibilitiesCreativity, 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 hasit 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, its a great upsurge of our fulfillment. Its very beautiful. Its 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: Mahalakshmiunbounded, 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. 

Its a great thing. Its 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 Californiathe 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. Its 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 well 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] Re: A friend's response to Bird Flu - Healthy News Article from Mercola.com

2005-11-15 Thread authfriend
--- 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 brainOff_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/