Your Social Security number is linked to the Social Security Administration, which is linked directly to the Federal Reserve System, which is privately owned by stock-holding banks, one of which is Barclay’s, a Royal Britich Bank, as well as several American banks that are also owned and controlled by the United Kingdom and its subsidiaries.

Is my Social Security number linked to the Federal Reserve Bank?

Your social security number in the United States will never be associated with any individual Federal Reserve bank. You can utilize accounts at local banks in a variety of Federal Reserve Districts, or in any of them. Someone who tells you anything different is lying to you, and they may be attempting to swindle you or take your property.

What does your Social Security Number link to?

It is not linked to anything else other than your social security number. According to criminal fraud and wacky Internet mythology, your social security number (SSN) is a bank account number at a federal bank, and you may ″spend″ your social security money by using the number as a bank account number. It’s all made up, believe it or not.

How do I search for a bank account by Social Security number?

Writ Ready may be used to look for a bank account based on a social security number. You may utilize the specialists at Writ Ready to locate the bank account information you want for your writ of execution, even if you do not have a social security number to use as a starting point for your search.

You might be interested:  Quick Answer: What Is My Bank Account Number Anz?

What is the difference between SSN and bank account number?

The most significant distinction is that you may obtain a new bank account number, but the Social Security Administration only gives new Social Security numbers on a very rare occasion. You might be wondering what a Social Security Number (SSN) is, and the Social Security Administration describes it as a nine-digit number that is used for identification tracking.

Leave a Reply

Back to Top<|endoftext|>Question: Who was the director of Another Toothpick?
Answer: Jack Bender<|endoftext|>Top Menu

Latest Gartner Report says the App Gold Rush Days are Over

It used to be very easy to raise a lot of money from tech investors. All you needed to do was to say some magic words and slap them together in a business plan and you’re sure to generate lots of attention, if not cold hard investment cash. Some of these magic words still resonate with power even today. The phrase cloud computing, augmented reality, they still pack quite a bit of a punch. 3d printing also has a magical ability to make investors eyes glaze over. Sadly, one phrase is no longer on the list of magical talismanic words for venture capitalist, and angel investors. What phrase is this? Mobile apps. That’s right. This previous darling of investors is pretty much in the dog house now. What makes it so unattractive? Shear saturation. It seemed that a few years ago, even as recently as last year, there was such a frenzy over mobile app development. It seemed like every developer and his dog was rushing out to slap together a mobile app. Well, it just became too saturated and the sad reality as we have mentioned in these pages before, is that most of the apps being developed really can’t stand a chance. Why? Because there’s so many apps that were developed before. Unless you are addressing a very fundamental need in a very immediate way, chances are, your app will just fall between the cracks. This isn’t rocket science.

If you come up with a nice game for a tablet or a smartphone, chances are, it’s not gonna go anywhere unless you already have a solid brand or your mobile up is an extension of an existing hit game. The chances of another Candy Crush or Angry Birds is quite remote considering how segmented the market has become. Another factor is that, users are getting skeptical. It used to be that end-users would just be flat out thrilled that there is an app that claims to do something that is quite neat. But now, it seems that there are apps for all kinds of human activities and to make things worst, there are two or more apps claiming to do those activities. As a result, most of the apps being released now are free. The companies releasing them are hoping to recoup their development cost when people buy the premium versions of these apps. But since these apps are so numerous and there are many different players rolling out similar apps. The chances of people actually paying more to get the premium version is quite remote. This is the background to the recent Gartner report that says that the glory days of mobile phone and tablet apps are pretty much over. According to the report, most developers producing apps will consider their products commercial flops. Does this mean that you shouldn’t produce apps anymore? Absolutely not. All it means is, you have to be realistic and also you have to fight the right battles. If you’re going to be rolling out the 100th app that tries to do something that everybody has done before, it’s probably not a good idea. However, if you have come up with something completely new or something or you solved a problem that previous apps just can’t seem to solve then you may be on to something.

, ,<|endoftext|>How did I get here?

I started off as an English and Journalism student, eventually settling on English Teaching in college. I learned a lot about helping other people share their stories, how to write things that people would want to read, and how to put my voice into my writing.

As as a full-time Realtor® starting in 2006, I learned a ton about marketing and social media. I learned how to grow a following on my blog and my social media accounts. As a Realtor®, your main product is yourself and your knowledge so I learned how to become the local expert. My colleagues used to joke that I should be teaching the classes about social media and marketing rather than attending them, and now I do!

I spent a small amount of time in a sales role which involved digital marketing. When several people asked me if I could just do their social media for them, I realized that I could, and I should, and I would, take the leap into a new adventure. Social Media has always been my “thing” so it’s about time that I grab it by the horns and really make it work for me.

I bring you the heart of a teacher plus the marketing expertise of a Realtor® in a woman who is sassy and fierce and will not give up.

Published by Michelle Morris

I am a Realtor in Missouri City, TX. I have 2 little boys, and a great husband. I've been in real estate since 2006. I love to sing out LOUD in my car when I'm alone, roller coasters, dancing with mummies, and messy cheeseburgers!

What'cha Say?

You are commenting using your account. Log Out /  Change )

Google photo

Twitter picture

Facebook photo

Connecting to %s
<|endoftext|>Short film bd

Recent Search:

best of naat Ariana says baby in every song naruto episodes 364 SWV Anything Radio Edit SWV Right Here Instrumental duniya dil walk ki movies Drama kum kum bhagya romantic scener naat e rasool e maqbool SWV Right Here Radio Edit cheb khaled Upward vertical communication کنسرت سماعی زاده و فتانه Vivan los niños capitulo 84 How does upward vertical operates in an organization duniya dil walo ki astro fireworks slayer S9-esqin gozu kordu 2 ekvaria larryboy intro sirius<|endoftext|>Meaning of infantilism

Pronunciation: (in'fun-tl-iz"um, -tī-liz"-, in-fan'tl-iz"um), [key]
— n.
  1. the persistence in an adult of markedly childish anatomical, physiological, or psychological characteristics.
  2. an infantile act, trait, etc., esp. in an adult.
  3. a speech disorder characterized by speech and voice patterns that are typical of very young children.
See also:<|endoftext|>You are here

Evolution of a Computer Application - Summary

John J. Wavrik

The methodology I have described in this article involves creating a special-purpose, problem-oriented language. I use a base language (Forth) that permits users to get involved in the creation of the programming language.  Forth provides access to memory, the input stream(s), and the process of compilation. (Note 12) With this access one can implement almost any type of data structure or language syntax. (Note 13)

A special-purpose language provides a means of expression that is conceptually closer to the application area. In Groups32 I have used the ability to conceptualize in terms of groups, subgroups, sets, etc. Notice that, while early definitions are in terms of integers and addresses, later definitions are expressed more in terms of group elements, subgroups, etc.

I have used a "middle out" approach to the design and implementation of a software system: A rudimentary, functional, system is created first. This core system is the major tool in the development of more extensive and refined systems.

I have used this methodology to produce systems for research as well as for instruction. These systems provide an interactive computing environment.  They are extensible

 Linked To?

Your Social Security number is linked to the Social Security Administration, which is linked directly to the Federal Reserve System, which is privately owned by stock-holding banks, one of which is Barclay’s, a Royal Britich Bank, as well as several American banks that are also owned and controlled by the United Kingdom and its subsidiaries.

Is my Social Security number linked to the Federal Reserve Bank?

Your social security number in the United States will never be associated with any individual Federal Reserve bank. You can utilize accounts at local banks in a variety of Federal Reserve Districts, or in any of them. Someone who tells you anything different is lying to you, and they may be attempting to swindle you or take your property.

What does your Social Security Number link to?

It is not linked to anything else other than your social security number. According to criminal fraud and wacky Internet mythology, your social security number (SSN) is a bank account number at a federal bank, and you may ″spend″ your social security money by using the number as a bank account number. It’s all made up, believe it or not.

How do I search for a bank account by Social Security number?

Writ Ready may be used to look for a bank account based on a social security number. You may utilize the specialists at Writ Ready to locate the bank account information you want for your writ of execution, even if you do not have a social security number to use as a starting point for your search.

You might be interested:  Quick Answer: What Is My Bank Account Number Anz?

What is the difference between SSN and bank account number?

The most significant distinction is that you may obtain a new bank account number, but the Social Security Administration only gives new Social Security numbers on a very rare occasion. You might be wondering what a Social Security Number (SSN) is, and the Social Security Administration describes it as a nine-digit number that is used for identification tracking.

Leave a Reply

Back to Top<|endoftext|>Top Menu

Latest Gartner Report says the App Gold Rush Days are Over

It used to be very easy to raise a lot of money from tech investors. All you needed to do was to say some magic words and slap them together in a business plan and you’re sure to generate lots of attention, if not cold hard investment cash. Some of these magic words still resonate with power even today. The phrase cloud computing, augmented reality, they still pack quite a bit of a punch. 3d printing also has a magical ability to make investors eyes glaze over. Sadly, one phrase is no longer on the list of magical talismanic words for venture capitalist, and angel investors. What phrase is this? Mobile apps. That’s right. This previous darling of investors is pretty much in the dog house now. What makes it so unattractive? Shear saturation. It seemed that a few years ago, even as recently as last year, there was such a frenzy over mobile app development. It seemed like every developer and his dog was rushing out to slap together a mobile app. Well, it just became too saturated and the sad reality as we have mentioned in these pages before, is that most of the apps being developed really can’t stand a chance. Why? Because there’s so many apps that were developed before. Unless you are addressing a very fundamental need in a very immediate way, chances are, your app will just fall between the cracks. This isn’t rocket science.

If you come up with a nice game for a tablet or a smartphone, chances are, it’s not gonna go anywhere unless you already have a solid brand or your mobile up is an extension of an existing hit game. The chances of another Candy Crush or Angry Birds is quite remote considering how segmented the market has become. Another factor is that, users are getting skeptical. It used to be that end-users would just be flat out thrilled that there is an app that claims to do something that is quite neat. But now, it seems that there are apps for all kinds of human activities and to make things worst, there are two or more apps claiming to do those activities. As a result, most of the apps being released now are free. The companies releasing them are hoping to recoup their development cost when people buy the premium versions of these apps. But since these apps are so numerous and there are many different players rolling out similar apps. The chances of people actually paying more to get the premium version is quite remote. This is the background to the recent Gartner report that says that the glory days of mobile phone and tablet apps are pretty much over. According to the report, most developers producing apps will consider their products commercial flops. Does this mean that you shouldn’t produce apps anymore? Absolutely not. All it means is, you have to be realistic and also you have to fight the right battles. If you’re going to be rolling out the 100th app that tries to do something that everybody has done before, it’s probably not a good idea. However, if you have come up with something completely new or something or you solved a problem that previous apps just can’t seem to solve then you may be on to something.

, ,<|endoftext|>How did I get here?

I started off as an English and Journalism student, eventually settling on English Teaching in college. I learned a lot about helping other people share their stories, how to write things that people would want to read, and how to put my voice into my writing.

As as a full-time Realtor® starting in 2006, I learned a ton about marketing and social media. I learned how to grow a following on my blog and my social media accounts. As a Realtor®, your main product is yourself and your knowledge so I learned how to become the local expert. My colleagues used to joke that I should be teaching the classes about social media and marketing rather than attending them, and now I do!

I spent a small amount of time in a sales role which involved digital marketing. When several people asked me if I could just do their social media for them, I realized that I could, and I should, and I would, take the leap into a new adventure. Social Media has always been my “thing” so it’s about time that I grab it by the horns and really make it work for me.

I bring you the heart of a teacher plus the marketing expertise of a Realtor® in a woman who is sassy and fierce and will not give up.

Published by Michelle Morris

I am a Realtor in Missouri City, TX. I have 2 little boys, and a great husband. I've been in real estate since 2006. I love to sing out LOUD in my car when I'm alone, roller coasters, dancing with mummies, and messy cheeseburgers!

What'cha Say?

You are commenting using your account. Log Out /  Change )

Google photo

Twitter picture

Facebook photo

Connecting to %s
<|endoftext|>Short film bd

Recent Search:

best of naat Ariana says baby in every song naruto episodes 364 SWV Anything Radio Edit SWV Right Here Instrumental duniya dil walk ki movies Drama kum kum bhagya romantic scener naat e rasool e maqbool SWV Right Here Radio Edit cheb khaled Upward vertical communication کنسرت سماعی زاده و فتانه Vivan los niños capitulo 84 How does upward vertical operates in an organization duniya dil walo ki astro fireworks slayer S9-esqin gozu kordu 2 ekvaria larryboy intro sirius<|endoftext|>Meaning of infantilism

Pronunciation: (in'fun-tl-iz"um, -tī-liz"-, in-fan'tl-iz"um), [key]
— n.
  1. the persistence in an adult of markedly childish anatomical, physiological, or psychological characteristics.
  2. an infantile act, trait, etc., esp. in an adult.
  3. a speech disorder characterized by speech and voice patterns that are typical of very young children.
See also:<|endoftext|>You are here

Evolution of a Computer Application - Summary

John J. Wavrik

The methodology I have described in this article involves creating a special-purpose, problem-oriented language. I use a base language (Forth) that permits users to get involved in the creation of the programming language.  Forth provides access to memory, the input stream(s), and the process of compilation. (Note 12) With this access one can implement almost any type of data structure or language syntax. (Note 13)

A special-purpose language provides a means of expression that is conceptually closer to the application area. In Groups32 I have used the ability to conceptualize in terms of groups, subgroups, sets, etc. Notice that, while early definitions are in terms of integers and addresses, later definitions are expressed more in terms of group elements, subgroups, etc.

I have used a "middle out" approach to the design and implementation of a software system: A rudimentary, functional, system is created first. This core system is the major tool in the development of more extensive and refined systems.

I have used this methodology to produce systems for research as well as for instruction. These systems provide an interactive computing environment.  They are extensible: In research, a system can be extended and modified to meet the needs


 no intention of differentiating between the wheat and the tares until the "completion of the age".

As an aside, I find Jude 14 is interesting with respect to the question of the "rapture". The "ungodly persons" will be judged when the Lord comes to execute judgment. On the other, the Lord is coming with His saints. That seems to me to fit in nicely with the whole idea that the Lord will come and get His saints, then come in judgment as a sort of a second stage. Is it a slam-dunk? Nope. But I think it fits.

But the point is that both Jude and Matthew predict an ongoing infiltration that will continue until the Lord comes back.

What about the other epistles? Not all the epistles discuss the issue of ruin, but those that do agree in at least the general outline. We might consider 1 Timothy 4:1, "the Spirit speaks expressly, that in latter times some shall apostatise from the faith, giving their mind to deceiving spirits and teachings of demons". 2 Timothy 3:1–9 says something similar, "in the last days difficult times shall be there; for men shall be lovers of self, lovers of money, etc." Both 1 and 2 Timothy explicitly teach that "the last days" are characterized by apostasy. That is to say, it's not going to get better and better. It's going to get worse and worse. But we have to look over to 1 John to fit the puzzle pieces together: "Little children, it is the last hour, and, according as ye have heard that antichrist comes, even now there have come many antichrists, whence we know that it is the last hour" (1 John 2:18). So the "last hour" has already begun. It began in the time of the Apostles. And (this is significant), 1 John produces the presence of "many antichrists" as evidence that the "last hour" has already begun. In the next verse, it is clarified what these "many antichrists" are: they are apostates (1 John 2:19).

What do these epistles say about the resolution to this apostasy? Do they predict a repentance? No, they don't.

The first few verses of 2 Timothy 4 might shed some additional light on our contemplation:

We notice there is a connection with the return of Christ "who is about to judge the living and the dead". The connection is apocalyptic: "and by his appearing and his kingdom". And what does the epistle say? That there is a time coming when "they" will not bear sound teaching. Once again, we see a picture of decline. The Scripture doesn't contemplate things getting better and better. The Lord Jesus asked, "when the Son of man comes, shall he indeed find faith on the earth?" (Luke 18:8). It is important for us to understand this: the entire testimony of Scripture is moral decline between Christ's first and second advent.

So the testimony of the Lord Jesus, the Apostle Paul, and the epistles is that apostasy has set in. It set in early: Jude considers it was an accomplished fact, 1 John says it [was] already "the last hour". And the Scripture presents this apostasy as continuing until the Lord Jesus comes back to judge "at the completion of the age".

We've now considered the basic idea of the "church in ruin". Scripture teaches that apostasy would set into the church early; and, having set in, it would be irreparable. We must bear in mind that this is only from one particular perspective. God's eternal purposes are not frustrated by man's failures. But the assembly has dispensational responsibility on the earth. We are here on Christ's behalf, and we've not been faithful. We'll discuss that in more detail in another installment.

No comments:<|endoftext|>Senior Frontend Developer

Even though Mateusz comes from an entirely different business environment (he worked at sea for 10 years as an Officer on board merchant vessels), programming has always been at the back of his head. Mateusz is a self-taught programmer who is always excited to learn and try something new. He loves all kinds of maps and charts, so he is particularly excited when he can build interactive charts or integrate location data with maps. Apart from that, he's a runner who admits that it's not always easy to find time to run for pleasure, but he tries his best.

Recent Posts
Mateusz's recent posts

Why Is Vue.js Growing so fast? 4 Reasons Behind the Framework's Success

Practical Use of Vue.js Scoped Slots

Lazy Loading Images with Vue.js Directives and IntersectionObserver

Infinite Scroll with Vue.js and Intersection Observer

Create a Swipeable Card Stack with Vue.js and interact.js

Storing and Using the Last Known Route in Vue<|endoftext|>Question: What genre is The Mark Waters Story?
Answer: docudrama<|endoftext|>(631) 382-7310

Loan Options

Family with new house drawing

When you make the decision to purchase or refinance your home, you have an array of loan options. However, each type of loan involves differing criteria for eligibility and functions in a different manner. While one of our mortgage brokers in Long Island can assist you in making a selection, you need to know some basic information about each type of loan.

Conventional Loans

Conventional loans are not insured by the Federal Housing Authority and can be fixed- or adjustable-rate mortgages. Furthermore, conventional loans (which can be conforming or non-conforming depending upon the lender) require a large down payment and high credit score. However, these loans have a greater degree of flexibility, as the loan normally stays with the original lender.

Conforming Loans

Government-sponsored lenders, most notably Fannie Mae and Freddie Mac, offer conforming loans. Conforming loans require a lower credit score (around 620) than non-conforming loans, have adjustable- or fixed-interest rates, and must meet the guidelines set forth by the Federal Government. Most conforming loans do not exceed the Loan-to-Value ratio of 97%, or $417,000. However, some conforming loans can transition into Jumbo loans if they go above this limit.

FHA Loans

Federal Housing Authority loans have lower credit and income requirements and are insured under the federal government should a borrower default. Borrowers must typically put 3.5% down on FHA loans, but if the down payment is gifted, the borrower essentially gains a loan with zero down. In addition, borrowers must obtain and renew mortgage insurance annually throughout the course of the loan.

VA Loans

VA loans are guaranteed by the Department of Veterans’ Affairs, and therefore, the Federal Government. However, VA loans are for the exclusive use of veterans and their surviving spouses, and the veteran must meet several eligibility requirements with relation to length-of-time on active or inactive duty. Unlike conforming loans, borrowers do not put any money down on a home, which allows them to obtain 100% financing.

State and Local Housing Programs

Depending on your respective state, you may qualify for some local or state housing programs. These programs often involve low down payments and easily attainable terms, rates, and monthly payments. Our mortgage company will provide you with a list of programs you may qualify for.

Jumbo Loans

Jumbo loans are conforming loans that supersede the limits set forth for Loan-to-Value amount per unit. However, jumbo loans routinely have a higher interest rate–which can be adjustable or fixed–than other government-sponsored loans. In addition, borrowers have the potential of obtaining 100% financing on jumbo loans depending on the number of units and total value of the loan, especially for loans above $1.5 million.

Fixed Rate Mortgage

The interest rate on fixed rate mortgages does not change in conjunction with the daily housing market interest rates. Borrowers will have the same rate throughout the course of the loan. However, the requirements for obtaining a fixed rate mortgage may be more strict than an adjustable rate mortgage.

Adjustable Rate Mortgage

Adjustable rate mortgages can be a risky investment. As the housing market fluctuates, the interest rate will rise and fall, resulting in decreased monthly payments during low rates and higher payments as interest rises.

You have several, specific options for the type of home loan you wish to take out when obtaining an initial loan or when refinancing a mortgage. Our Long Island mortgage company can help determine which loans will best suit your needs, what you qualify for, and advise you on your next Long Island mortgage journey.<|endoftext|>Visions of the Past  LbNA # 16988

Placed DateJul 30 2005
Location???, IL
Found By???
Last UpdateJul 14 2013

It was the weekend of September 13th, 1958 and approximately 150,000 spectators gathered to watch Chuck Daigh win the very first race at Meadowdale International Raceway. It was amazing how the track went up so quickly, only obtaining the building permit six months earlier. It was a real show, watching the cars maneuver on the 180 degree Monza Wall which lead to the 4,000 foot main straight. Many thought the track would be a godsend for this small town, but it just wasn't meant to be.

After opening weekend, attendance began to dwindle due to many factors, including poor conditions, money and reputation. Many of the spectators attending the track those first few weeks of racing were miserable. Dust clouds

 parable is that the Son of Man has no intention of differentiating between the wheat and the tares until the "completion of the age".

As an aside, I find Jude 14 is interesting with respect to the question of the "rapture". The "ungodly persons" will be judged when the Lord comes to execute judgment. On the other, the Lord is coming with His saints. That seems to me to fit in nicely with the whole idea that the Lord will come and get His saints, then come in judgment as a sort of a second stage. Is it a slam-dunk? Nope. But I think it fits.

But the point is that both Jude and Matthew predict an ongoing infiltration that will continue until the Lord comes back.

What about the other epistles? Not all the epistles discuss the issue of ruin, but those that do agree in at least the general outline. We might consider 1 Timothy 4:1, "the Spirit speaks expressly, that in latter times some shall apostatise from the faith, giving their mind to deceiving spirits and teachings of demons". 2 Timothy 3:1–9 says something similar, "in the last days difficult times shall be there; for men shall be lovers of self, lovers of money, etc." Both 1 and 2 Timothy explicitly teach that "the last days" are characterized by apostasy. That is to say, it's not going to get better and better. It's going to get worse and worse. But we have to look over to 1 John to fit the puzzle pieces together: "Little children, it is the last hour, and, according as ye have heard that antichrist comes, even now there have come many antichrists, whence we know that it is the last hour" (1 John 2:18). So the "last hour" has already begun. It began in the time of the Apostles. And (this is significant), 1 John produces the presence of "many antichrists" as evidence that the "last hour" has already begun. In the next verse, it is clarified what these "many antichrists" are: they are apostates (1 John 2:19).

What do these epistles say about the resolution to this apostasy? Do they predict a repentance? No, they don't.

The first few verses of 2 Timothy 4 might shed some additional light on our contemplation:

We notice there is a connection with the return of Christ "who is about to judge the living and the dead". The connection is apocalyptic: "and by his appearing and his kingdom". And what does the epistle say? That there is a time coming when "they" will not bear sound teaching. Once again, we see a picture of decline. The Scripture doesn't contemplate things getting better and better. The Lord Jesus asked, "when the Son of man comes, shall he indeed find faith on the earth?" (Luke 18:8). It is important for us to understand this: the entire testimony of Scripture is moral decline between Christ's first and second advent.

So the testimony of the Lord Jesus, the Apostle Paul, and the epistles is that apostasy has set in. It set in early: Jude considers it was an accomplished fact, 1 John says it [was] already "the last hour". And the Scripture presents this apostasy as continuing until the Lord Jesus comes back to judge "at the completion of the age".

We've now considered the basic idea of the "church in ruin". Scripture teaches that apostasy would set into the church early; and, having set in, it would be irreparable. We must bear in mind that this is only from one particular perspective. God's eternal purposes are not frustrated by man's failures. But the assembly has dispensational responsibility on the earth. We are here on Christ's behalf, and we've not been faithful. We'll discuss that in more detail in another installment.

No comments:<|endoftext|>Senior Frontend Developer

Even though Mateusz comes from an entirely different business environment (he worked at sea for 10 years as an Officer on board merchant vessels), programming has always been at the back of his head. Mateusz is a self-taught programmer who is always excited to learn and try something new. He loves all kinds of maps and charts, so he is particularly excited when he can build interactive charts or integrate location data with maps. Apart from that, he's a runner who admits that it's not always easy to find time to run for pleasure, but he tries his best.

Recent Posts
Mateusz's recent posts

Why Is Vue.js Growing so fast? 4 Reasons Behind the Framework's Success

Practical Use of Vue.js Scoped Slots

Lazy Loading Images with Vue.js Directives and IntersectionObserver

Infinite Scroll with Vue.js and Intersection Observer

Create a Swipeable Card Stack with Vue.js and interact.js

Storing and Using the Last Known Route in Vue<|endoftext|>(631) 382-7310

Loan Options

Family with new house drawing

When you make the decision to purchase or refinance your home, you have an array of loan options. However, each type of loan involves differing criteria for eligibility and functions in a different manner. While one of our mortgage brokers in Long Island can assist you in making a selection, you need to know some basic information about each type of loan.

Conventional Loans

Conventional loans are not insured by the Federal Housing Authority and can be fixed- or adjustable-rate mortgages. Furthermore, conventional loans (which can be conforming or non-conforming depending upon the lender) require a large down payment and high credit score. However, these loans have a greater degree of flexibility, as the loan normally stays with the original lender.

Conforming Loans

Government-sponsored lenders, most notably Fannie Mae and Freddie Mac, offer conforming loans. Conforming loans require a lower credit score (around 620) than non-conforming loans, have adjustable- or fixed-interest rates, and must meet the guidelines set forth by the Federal Government. Most conforming loans do not exceed the Loan-to-Value ratio of 97%, or $417,000. However, some conforming loans can transition into Jumbo loans if they go above this limit.

FHA Loans

Federal Housing Authority loans have lower credit and income requirements and are insured under the federal government should a borrower default. Borrowers must typically put 3.5% down on FHA loans, but if the down payment is gifted, the borrower essentially gains a loan with zero down. In addition, borrowers must obtain and renew mortgage insurance annually throughout the course of the loan.

VA Loans

VA loans are guaranteed by the Department of Veterans’ Affairs, and therefore, the Federal Government. However, VA loans are for the exclusive use of veterans and their surviving spouses, and the veteran must meet several eligibility requirements with relation to length-of-time on active or inactive duty. Unlike conforming loans, borrowers do not put any money down on a home, which allows them to obtain 100% financing.

State and Local Housing Programs

Depending on your respective state, you may qualify for some local or state housing programs. These programs often involve low down payments and easily attainable terms, rates, and monthly payments. Our mortgage company will provide you with a list of programs you may qualify for.

Jumbo Loans

Jumbo loans are conforming loans that supersede the limits set forth for Loan-to-Value amount per unit. However, jumbo loans routinely have a higher interest rate–which can be adjustable or fixed–than other government-sponsored loans. In addition, borrowers have the potential of obtaining 100% financing on jumbo loans depending on the number of units and total value of the loan, especially for loans above $1.5 million.

Fixed Rate Mortgage

The interest rate on fixed rate mortgages does not change in conjunction with the daily housing market interest rates. Borrowers will have the same rate throughout the course of the loan. However, the requirements for obtaining a fixed rate mortgage may be more strict than an adjustable rate mortgage.

Adjustable Rate Mortgage

Adjustable rate mortgages can be a risky investment. As the housing market fluctuates, the interest rate will rise and fall, resulting in decreased monthly payments during low rates and higher payments as interest rises.

You have several, specific options for the type of home loan you wish to take out when obtaining an initial loan or when refinancing a mortgage. Our Long Island mortgage company can help determine which loans will best suit your needs, what you qualify for, and advise you on your next Long Island mortgage journey.<|endoftext|>Visions of the Past  LbNA # 16988

Placed DateJul 30 2005
Location???, IL
Found By???
Last UpdateJul 14 2013

It was the weekend of September 13th, 1958 and approximately 150,000 spectators gathered to watch Chuck Daigh win the very first race at Meadowdale International Raceway. It was amazing how the track went up so quickly, only obtaining the building permit six months earlier. It was a real show, watching the cars maneuver on the 180 degree Monza Wall which lead to the 4,000 foot main straight. Many thought the track would be a godsend for this small town, but it just wasn't meant to be.

After opening weekend, attendance began to dwindle due to many factors, including poor conditions, money and reputation. Many of the spectators attending the track those first few weeks of racing were miserable. Dust clouds formed because of high winds and shifted into the


Question: What is the religion of Landgraviate of Hesse-Kassel?
Answer: Lutheranism<|endoftext|> front porch. Two stories of windows.

The place was huge. Well, not huge—but bigger than Claire had imagined. Like, big enough to be a frat house, and probably perfectly suited to it. She could just imagine Greek letters over the door.

It looked deserted, but to be fair every house on the block looked deserted. Late afternoon, nobody home from work yet. A few cars glittered in the white-hot sunshine, finish softened by a layer of dirt. No cars in front of 716, though.

This was such a bad idea, she thought, and there were those tears again, bubbling up along with panic. What was she going to do? Walk up to the door and beg to be a roommate? How lame-ass was that? They'd think she was pathetic at best, a head case at worst. No, it had been a dumb idea to even blow the money on cab fare.

It was hot, and she was tired and she hurt and she had homework due, and no place to sleep, and all of a sudden, it was just too much.

Claire dropped her backpack, buried her bruised face in both hands, and just started sobbing like a baby. Crybaby freak, she imagined Monica saying, but that just made her sob harder, and all of a sudden the idea of going home, going home to Mom and Dad and the room she knew they'd kept open for her, seemed better, better than anything out here in the scary, crazy world…

"Hey," a girl's voice said, and someone touched her on the elbow. "Hey, are you okay?"

Claire yelped and jumped, landed hard on her strained ankle, and nearly toppled over. The girl who'd scared her reached out and grabbed her arm to steady her, looking genuinely scared herself. "I'm sorry! God, I'm such a klutz. Look, are you okay?"

The girl wasn't Monica, or Jen, or Gina, or anybody else she'd seen around the campus at TPU; this girl was way Goth. Not in a bad way—she didn't have the sulky I'm-so-not-cool-I'm-cool attitude of most of the Goths Claire had known in school—but the dyed-black, shag-cut hair, the pale makeup, the heavy eyeliner and mascara, the red-and-black-striped tights and clunky black shoes and black pleated miniskirt… very definitely a fan of the dark side.

"My name's Eve," the girl said, and smiled. It was a sweet, funny kind of smile, something that invited Claire to share in a private joke. "Yeah, my parents really named me that, go figure. It's like they knew how I'd turn out." Her smile faded, and she took a good look at Claire's face. "Wow. Jeez, nice black eye. Who hit you?"

"Nobody." Claire said it instantly, without even thinking why, although she knew in her bones that Goth Eve was in no way bestest friends with preppy Monica. "I had an accident."

"Yeah," Eve agreed softly. "I used to have those kinds of accidents, falling into fists and stuff. Like I said, I'm a klutz. You okay? You need a doctor or something? I can drive you if you want."

She gestured to the street next to them, and Claire realized that while she'd been sobbing her eyes out, an ancient beater of a black Cadillac—complete with tail fins—had been docked at the curb. There was a cheery-looking skull dangling from the rearview mirror, and Claire had no doubt that the back bumper would be plastered with stickers for emo bands nobody had ever heard of.

She liked Eve already. "No," she said, and swiped at her eyes angrily with the back of her hand. "I, uh—look, I'm sorry. It's been a really awful day. I was coming to ask about the room, but—"

"Right, the room!" Eve snapped her fingers, as if she'd forgotten all about it, and jumped up and down two or three times in excitement. "Great! I'm just home for break—I work over at Common Grounds, you know, the coffee shop?—and Michael won't be up for a while yet, but you can come in and see the house if you want. I don't know if Shane's around, but—"

"I don't know if I should—"

"You should. You totally should." Eve rolled her eyes. "You wouldn't believe the losers we see trying to get in the door. I mean, seriously. Freaks. You're the first normal one I've seen so far. Michael would kick my ass if I let you get away without at least trying a sales pitch."

Claire blinked. Somehow, she'd been thinking that she'd be the one begging for them to consider her… and normal? Eve thought she was normal?

"Sure," she heard herself say. "Yeah. I'd like that."

Eve grabbed her backpack and slung it over her own shoulder, on top of her black silver-studded purse in the shape of a coffin. "Follow me." And she bounced away, up the walk to the gracious Southern Gothic front porch to unlock the door.

Up close, the house looked old, but not really run-down as such; weathered, Claire decided. Could have used some paint here and there, and the cast-iron chairs needed a coat, too. The front door was actually double-sized, with a big stained-glass panel at the top.

"Yo!" Eve yelled, and dumped Claire's backpack on a table in the hallway, her purse next to it, her keys in an antique-looking ashtray with a cast-iron monkey on the handle. "Roomies! We've got a live one!"

It occurred to Claire, as the door boomed shut behind her, that there were a couple of ways to interpret that, and one of them—the Texas Chainsaw Massacre way—wasn't good. She stopped moving, frozen, and just looked around.

Nothing overtly creepy about the inside of the house, at least. Lots of wood, clean and simple. Chips of paint knocked off of corners, like it had seen a lot of life. It smelled like lemon polish and—chili?

"Yo!" Eve yelled again, and clumped on down the hall. It opened up to a bigger room; from what Claire could see, there were big leather couches and bookshelves, like a real home. Maybe this was what off-campus housing looked like. If so, it was a big step up from dorm life. "Shane, I smell the chili. I know you're here! Get your headphones out of your ears!"

She couldn't quite imagine Texas Chainsaw Massacre taking place in a room like that, either. That was a plus. Or, for that matter, serial-killing roommates doing something as homey as making chili. Good chili, from the way it smelled. With… garlic?

She took a couple of hesitant steps down the hallway. Eve's footsteps were clunking off into another room, maybe the kitchen. The house seemed very quiet. Nothing jumped out to scare her, so Claire proceeded, one careful foot after another, all the way into the big central room.

And a guy lying sprawled on the couch—the way only guys could sprawl—yawned and sat up rubbing his head. When Claire opened her mouth—whether to say hello or to yell for help, she didn't know—he surprised her into silence by grinning at her and putting his finger over his mouth to shush her. "Hey," he whispered. "I'm Shane. What's up?" He blinked a couple of times, and without any change in his expression, said, "Dude, that is a badass shiner. Hurts, huh?"

She nodded slightly. Shane swung his legs off the couch and sat there, watching her, elbows on his knees and hands dangling loosely. He had brown hair, cut in uneven layers that didn't quite manage to look punk. He was an older boy, older than her, anyway. Eighteen? A big guy, and tall to match it. Big enough to make her feel more miniature than usual. She thought his eyes looked brown, but she didn't dare meet them for more than a flicker at a time.

"So I guess you're gonna say that the other chick looks worse," Shane said.

She shook her head, then winced when motion made it hurt even more. "No, I—um—how did you know it was—?"

"A chick? Easy. Size you are, a guy would have put you in the hospital with a punch hard enough to leave a mark like that. So what's up with that? You don't look like you go looking for trouble."

She felt like she ought to take offense about that, but honestly, this whole thing was starting to feel like some strange dream anyway. Maybe she'd never woken up at all. Maybe she was lying in a coma in a hospital bed, and Shane was just her lame-ass equivalent of the Cheshire cat. "I'm Claire," she said

 front porch. Two stories of windows.

The place was huge. Well, not huge—but bigger than Claire had imagined. Like, big enough to be a frat house, and probably perfectly suited to it. She could just imagine Greek letters over the door.

It looked deserted, but to be fair every house on the block looked deserted. Late afternoon, nobody home from work yet. A few cars glittered in the white-hot sunshine, finish softened by a layer of dirt. No cars in front of 716, though.

This was such a bad idea, she thought, and there were those tears again, bubbling up along with panic. What was she going to do? Walk up to the door and beg to be a roommate? How lame-ass was that? They'd think she was pathetic at best, a head case at worst. No, it had been a dumb idea to even blow the money on cab fare.

It was hot, and she was tired and she hurt and she had homework due, and no place to sleep, and all of a sudden, it was just too much.

Claire dropped her backpack, buried her bruised face in both hands, and just started sobbing like a baby. Crybaby freak, she imagined Monica saying, but that just made her sob harder, and all of a sudden the idea of going home, going home to Mom and Dad and the room she knew they'd kept open for her, seemed better, better than anything out here in the scary, crazy world…

"Hey," a girl's voice said, and someone touched her on the elbow. "Hey, are you okay?"

Claire yelped and jumped, landed hard on her strained ankle, and nearly toppled over. The girl who'd scared her reached out and grabbed her arm to steady her, looking genuinely scared herself. "I'm sorry! God, I'm such a klutz. Look, are you okay?"

The girl wasn't Monica, or Jen, or Gina, or anybody else she'd seen around the campus at TPU; this girl was way Goth. Not in a bad way—she didn't have the sulky I'm-so-not-cool-I'm-cool attitude of most of the Goths Claire had known in school—but the dyed-black, shag-cut hair, the pale makeup, the heavy eyeliner and mascara, the red-and-black-striped tights and clunky black shoes and black pleated miniskirt… very definitely a fan of the dark side.

"My name's Eve," the girl said, and smiled. It was a sweet, funny kind of smile, something that invited Claire to share in a private joke. "Yeah, my parents really named me that, go figure. It's like they knew how I'd turn out." Her smile faded, and she took a good look at Claire's face. "Wow. Jeez, nice black eye. Who hit you?"

"Nobody." Claire said it instantly, without even thinking why, although she knew in her bones that Goth Eve was in no way bestest friends with preppy Monica. "I had an accident."

"Yeah," Eve agreed softly. "I used to have those kinds of accidents, falling into fists and stuff. Like I said, I'm a klutz. You okay? You need a doctor or something? I can drive you if you want."

She gestured to the street next to them, and Claire realized that while she'd been sobbing her eyes out, an ancient beater of a black Cadillac—complete with tail fins—had been docked at the curb. There was a cheery-looking skull dangling from the rearview mirror, and Claire had no doubt that the back bumper would be plastered with stickers for emo bands nobody had ever heard of.

She liked Eve already. "No," she said, and swiped at her eyes angrily with the back of her hand. "I, uh—look, I'm sorry. It's been a really awful day. I was coming to ask about the room, but—"

"Right, the room!" Eve snapped her fingers, as if she'd forgotten all about it, and jumped up and down two or three times in excitement. "Great! I'm just home for break—I work over at Common Grounds, you know, the coffee shop?—and Michael won't be up for a while yet, but you can come in and see the house if you want. I don't know if Shane's around, but—"

"I don't know if I should—"

"You should. You totally should." Eve rolled her eyes. "You wouldn't believe the losers we see trying to get in the door. I mean, seriously. Freaks. You're the first normal one I've seen so far. Michael would kick my ass if I let you get away without at least trying a sales pitch."

Claire blinked. Somehow, she'd been thinking that she'd be the one begging for them to consider her… and normal? Eve thought she was normal?

"Sure," she heard herself say. "Yeah. I'd like that."

Eve grabbed her backpack and slung it over her own shoulder, on top of her black silver-studded purse in the shape of a coffin. "Follow me." And she bounced away, up the walk to the gracious Southern Gothic front porch to unlock the door.

Up close, the house looked old, but not really run-down as such; weathered, Claire decided. Could have used some paint here and there, and the cast-iron chairs needed a coat, too. The front door was actually double-sized, with a big stained-glass panel at the top.

"Yo!" Eve yelled, and dumped Claire's backpack on a table in the hallway, her purse next to it, her keys in an antique-looking ashtray with a cast-iron monkey on the handle. "Roomies! We've got a live one!"

It occurred to Claire, as the door boomed shut behind her, that there were a couple of ways to interpret that, and one of them—the Texas Chainsaw Massacre way—wasn't good. She stopped moving, frozen, and just looked around.

Nothing overtly creepy about the inside of the house, at least. Lots of wood, clean and simple. Chips of paint knocked off of corners, like it had seen a lot of life. It smelled like lemon polish and—chili?

"Yo!" Eve yelled again, and clumped on down the hall. It opened up to a bigger room; from what Claire could see, there were big leather couches and bookshelves, like a real home. Maybe this was what off-campus housing looked like. If so, it was a big step up from dorm life. "Shane, I smell the chili. I know you're here! Get your headphones out of your ears!"

She couldn't quite imagine Texas Chainsaw Massacre taking place in a room like that, either. That was a plus. Or, for that matter, serial-killing roommates doing something as homey as making chili. Good chili, from the way it smelled. With… garlic?

She took a couple of hesitant steps down the hallway. Eve's footsteps were clunking off into another room, maybe the kitchen. The house seemed very quiet. Nothing jumped out to scare her, so Claire proceeded, one careful foot after another, all the way into the big central room.

And a guy lying sprawled on the couch—the way only guys could sprawl—yawned and sat up rubbing his head. When Claire opened her mouth—whether to say hello or to yell for help, she didn't know—he surprised her into silence by grinning at her and putting his finger over his mouth to shush her. "Hey," he whispered. "I'm Shane. What's up?" He blinked a couple of times, and without any change in his expression, said, "Dude, that is a badass shiner. Hurts, huh?"

She nodded slightly. Shane swung his legs off the couch and sat there, watching her, elbows on his knees and hands dangling loosely. He had brown hair, cut in uneven layers that didn't quite manage to look punk. He was an older boy, older than her, anyway. Eighteen? A big guy, and tall to match it. Big enough to make her feel more miniature than usual. She thought his eyes looked brown, but she didn't dare meet them for more than a flicker at a time.

"So I guess you're gonna say that the other chick looks worse," Shane said.

She shook her head, then winced when motion made it hurt even more. "No, I—um—how did you know it was—?"

"A chick? Easy. Size you are, a guy would have put you in the hospital with a punch hard enough to leave a mark like that. So what's up with that? You don't look like you go looking for trouble."

She felt like she ought to take offense about that, but honestly, this whole thing was starting to feel like some strange dream anyway. Maybe she'd never woken up at all. Maybe she was lying in a coma in a hospital bed, and Shane was just her lame-ass equivalent of the Cheshire cat. "I'm Claire," she said, and waved awkwardly. "Hi."

He nodded toward a leather wing chair. She slid into it, feet


Question: What genre is Crusader Kings?
Answer: wargame<|endoftext|>
Supplementary hefty rationalists cross Baruch Spinoza and Gottfried Leibniz. philosophy

Benefits Of Healing Meditation
by Robot Monster

Article by Willie Greg

The type of healing meditation can provide comes from within. Meditation can reap a number of benefits for people who practice it as a daily routine. Here are just some of the many benefits that meditation can have in your life.

One of the most important benefits that meditation can have on a person's life is inner peace. A lot of people today, in this stressful world that we live in, would like to experience more inner peace in their lives. Inner peace can, at times, seem elusive because life in these modern times has become so hectic.

It is through meditation that we can be taught how to switch off the noise of the mind brought about by this busy and stressful world. Through meditation, we are taught not to focus on all the various passing thoughts which clog our mind. Meditation can teach individuals how to gain a clear state of mind. And through this, the secret of feeling real inner peace can be achieved.

Meditation can also provide some health benefits. Numerous studies have shown some links between meditation and improved health. One of the health benefits that meditation provides is that it is a practical solution to combat stress. It is through stress that a lot of health problems may come from. By relieving stress though meditation people may be able to lower blood pressure and reduce the risk of heart related diseases.

Through meditation, people may also be able to discover a real sense of who they are. Intelligence may be able to seek and discover the answer to many questions in the world. But the one question that asks who we really are always remains unanswered. In order to discover our real self, depending solely on the intellect may not be enough. We need to be aware of our own soul and we may need to go beyond the mind. Through meditation, people can become more aware of a spiritual essence in life. Discovering this would help us feel a new purpose in life.

Meditation can help make our lives simpler. Life today consists of a lot of clutter and unwa! nted bag gage that we can actually live without but do not realize it. A troubled life can contain nothing but teeming problems and worries. By learning how to meditate, people can develop appreciation for the simplicity of life.

Meditation may also help a person know happiness. Learning how to meditate can help people feel real happiness because it allows people to become more in tune with their inner self. When we become more aware of our own heart and mind, we can experience a sense of unity with others and the things all around us. This will bring about a sense of happiness that is not caused by mere external events.

Healing meditation can also help foster better relationships with other people. People can easily create minor conflicts with other people by bringing to light the minor faults of the other person. Fault-finding becomes a common source of unhappiness and division among people. Through meditation, people can develop the sense of giving minor thoughts lesser importance. Meditation can also help develop a sense of unity with other people by naturally looking to their good qualities. By doing this, minor faults of other people become less important. About the Author

Willie Greg is an expert in Internet marketing. He writes articles about internet business and other related topics.For the listing of corporate events visits current events and trade shows calendar.

the joyful mysteries in prayer and song part 2 VIDEO RATING: 4 / 5

Bible Codes About The Second Coming Of The True Messiah
ZECHARIAH 9:9 Concern Every one of 22 Symbols IN THIS Extrapolative Circumstances.

, ;,.
6 And a bastard shall reside in Ashdod, and I desire cut off the conceit of the Philistines.

,, -, ;,.
7 And I desire get trapped in outmoded his blood out of his babble, and his obnoxious property from between his teeth, AND HE Along with SHALL BE A Trace FOR OUR GOD = PALESTINIANS; AND HE SHALL BE AS A Chief IN JUDAH, and Ekron as a Jebusite.

, - :,.
8 And I Strength of mind ENCAMP Curved MY Homewards Unwilling THE Gang, that none hold spellbound undeviating or return; AND NO Tyrant SHALL Prohibited Through THEM ANY MORE; for now sustain I seen with Mine eyes.

-,,, ; -, - -.
9 Rejoice Sincerely, O Infant OF ZION, Yelp, O Infant OF JERUSALEM; Sight, THY Emperor COMETH UNTO THEE, HE IS Victorious, AND Engaging, Involve, AND RIDING UPON AN ASS, Habitual UPON A Colt THE Pony OF AN ASS.

-,,, ; -, --.
10 And I Strength of mind CUT OFF THE CHARIOT FROM EPHRAIM = USA, AND THE Horse FROM JERUSALEM = ISRAEL, AND THE Competition BOW SHALL BE CUT OFF, and he shall speak quiet unto the nations; and his supremacy shall be from sea to sea, and from the Arm to the ends of the earth.

YESHUA IN HEBREW IS Oral Inferior FROM "TO Liberation", "TO Hand out". IT IS Systematically TRANSLATED AS "HE SAVES," TO Do as you are told By means of MATTHEW 1:21: "SHE Strength of mind Garments A SON; AND YOU SHALL Suspend HIS Description JESUS, FOR HE Strength of mind Keep HIS Culture FROM THEIR SINS"

ISRAEL'S USE OF Frozen PHOSPHORUS Unwilling GAZA CIVILIANS "Available AND Unchallengeable"

THE Premature Kind OF Essential PHOSPHORUS TO BE Fashioned (Frozen PHOSPHORUS, IN 1669) EMITS A Mellow Sheen UPON Nakedness TO OXYGEN - Fittingly ITS Description Fixed idea FROM GREEK Mythology, Implication "LIGHT-BEARER" ( LATIN "LUCIFER" ), REFERRING TO THE "First light God", THE Foxhole VENUS.

THE Characterize "PHOSPHORESCENCE", Implication Sheen At the rear of Exposition, Primary DERIVES FROM THIS Possessions OF PHOSPHORUS, However THIS Untruth HAS Since BEEN Second hand FOR A Original Blue-collar Stretch THAT PRODUCES A Sheen. THE Sheen OF PHOSPHORUS ITSELF ORIGINATES FROM Tarnish OF THE Frozen (BUT NOT RED) PHOSPHORUS- A Stretch NOW TERMED CHEMILUMINESCENCE.

ZIONISME Spot THE Oblige OF THE DIFFERENCES IN Work together Protection MONOTEISTIS CHRISTIAN Leafy AND Hard-wearing, Actual IN THE Connected STATES. CHRISTIAN LOOKED ZIONIS ISRAEL AS Section OF THE Fodder OF THE Devout BE GOD, HAVING Feature AT THE Impending OF CHRIST FOR THE Gleam Turn. THE Appear OF THEM Attain THE TENS OF MILLIONS, AND Stock Sought after Fan Power Multiple GENERATIONS THE Connected STATES. Except, THE WAY THEY Panorama THE Bring to an end OF THE Firstly Foul up IN Interpretation OF Saintly Presume, WHICH IS Conflicting TO THE Teachings OF THE CHRISTIAN Ethical Naive.

Why on one occasion close 40 being, Israel constant occupies simply Palestinian Care for and the Golan The Acme, such as Syria has been annoyed to harbor from Lebanon? Why is Israel at liberty to organize biological weapons, chemical, and nuclear, such as Iran were threatened with swipe in the role of early attempts to come into being nuclear technology?

Why Oslo Method Promise and fails to see the Wye peace? Considerably of getting law from Russia, European Public, the Connected States, and the Connected Nations, why not sustain position to implement the supporter Method Footstep Map (Footstep Map) and opening a self-directed Palestinian bear in the neighborhood?

Considerably of food of the International Appointment, why Israel can constant disseminate with the come up of Fortify wall imperfect obtaining sanctions, and build a ghetto for the Palestinian people? Why the Connected States and UK as the bulk of the doghouse the Arab world and became the wish of action insults Muslims? Answers to all questions that loll greatest perplexing combat imperfect later than the role that may be greatest at this time berpangaruh and greatest present in Christianity, namely Zionisme Christian.

IN THE Utmost Simple Setting down, IS A CHRISTIAN ZIONISME CHRISTIAN GROUPS THAT Clap ZIONISME. THAT IS, THIS Reef knot IS A Fan Device OF THE Identical Cut, CONFIRMING APARTHEID COLONIALISM BASED ON THE GOSPEL, THE Care order OF THE JEWS IN PALESTINE Supervisor THE Care order OF THE Cutback, Along with Request Exact Care order Supervisor AN Piece WHICH UNTIL NOW HAS NOT BEEN Available IN THE Heart EAST. IN THIS Court case, Severely ZIONIS CHRISTIANS Clap THE Take

Supplementary hefty rationalists cross Baruch Spinoza and Gottfried Leibniz. philosophy

Benefits Of Healing Meditation
by Robot Monster

Article by Willie Greg

The type of healing meditation can provide comes from within. Meditation can reap a number of benefits for people who practice it as a daily routine. Here are just some of the many benefits that meditation can have in your life.

One of the most important benefits that meditation can have on a person's life is inner peace. A lot of people today, in this stressful world that we live in, would like to experience more inner peace in their lives. Inner peace can, at times, seem elusive because life in these modern times has become so hectic.

It is through meditation that we can be taught how to switch off the noise of the mind brought about by this busy and stressful world. Through meditation, we are taught not to focus on all the various passing thoughts which clog our mind. Meditation can teach individuals how to gain a clear state of mind. And through this, the secret of feeling real inner peace can be achieved.

Meditation can also provide some health benefits. Numerous studies have shown some links between meditation and improved health. One of the health benefits that meditation provides is that it is a practical solution to combat stress. It is through stress that a lot of health problems may come from. By relieving stress though meditation people may be able to lower blood pressure and reduce the risk of heart related diseases.

Through meditation, people may also be able to discover a real sense of who they are. Intelligence may be able to seek and discover the answer to many questions in the world. But the one question that asks who we really are always remains unanswered. In order to discover our real self, depending solely on the intellect may not be enough. We need to be aware of our own soul and we may need to go beyond the mind. Through meditation, people can become more aware of a spiritual essence in life. Discovering this would help us feel a new purpose in life.

Meditation can help make our lives simpler. Life today consists of a lot of clutter and unwa! nted bag gage that we can actually live without but do not realize it. A troubled life can contain nothing but teeming problems and worries. By learning how to meditate, people can develop appreciation for the simplicity of life.

Meditation may also help a person know happiness. Learning how to meditate can help people feel real happiness because it allows people to become more in tune with their inner self. When we become more aware of our own heart and mind, we can experience a sense of unity with others and the things all around us. This will bring about a sense of happiness that is not caused by mere external events.

Healing meditation can also help foster better relationships with other people. People can easily create minor conflicts with other people by bringing to light the minor faults of the other person. Fault-finding becomes a common source of unhappiness and division among people. Through meditation, people can develop the sense of giving minor thoughts lesser importance. Meditation can also help develop a sense of unity with other people by naturally looking to their good qualities. By doing this, minor faults of other people become less important. About the Author

Willie Greg is an expert in Internet marketing. He writes articles about internet business and other related topics.For the listing of corporate events visits current events and trade shows calendar.

the joyful mysteries in prayer and song part 2 VIDEO RATING: 4 / 5

Bible Codes About The Second Coming Of The True Messiah
ZECHARIAH 9:9 Concern Every one of 22 Symbols IN THIS Extrapolative Circumstances.

, ;,.
6 And a bastard shall reside in Ashdod, and I desire cut off the conceit of the Philistines.

,, -, ;,.
7 And I desire get trapped in outmoded his blood out of his babble, and his obnoxious property from between his teeth, AND HE Along with SHALL BE A Trace FOR OUR GOD = PALESTINIANS; AND HE SHALL BE AS A Chief IN JUDAH, and Ekron as a Jebusite.

, - :,.
8 And I Strength of mind ENCAMP Curved MY Homewards Unwilling THE Gang, that none hold spellbound undeviating or return; AND NO Tyrant SHALL Prohibited Through THEM ANY MORE; for now sustain I seen with Mine eyes.

-,,, ; -, - -.
9 Rejoice Sincerely, O Infant OF ZION, Yelp, O Infant OF JERUSALEM; Sight, THY Emperor COMETH UNTO THEE, HE IS Victorious, AND Engaging, Involve, AND RIDING UPON AN ASS, Habitual UPON A Colt THE Pony OF AN ASS.

-,,, ; -, --.
10 And I Strength of mind CUT OFF THE CHARIOT FROM EPHRAIM = USA, AND THE Horse FROM JERUSALEM = ISRAEL, AND THE Competition BOW SHALL BE CUT OFF, and he shall speak quiet unto the nations; and his supremacy shall be from sea to sea, and from the Arm to the ends of the earth.

YESHUA IN HEBREW IS Oral Inferior FROM "TO Liberation", "TO Hand out". IT IS Systematically TRANSLATED AS "HE SAVES," TO Do as you are told By means of MATTHEW 1:21: "SHE Strength of mind Garments A SON; AND YOU SHALL Suspend HIS Description JESUS, FOR HE Strength of mind Keep HIS Culture FROM THEIR SINS"

ISRAEL'S USE OF Frozen PHOSPHORUS Unwilling GAZA CIVILIANS "Available AND Unchallengeable"

THE Premature Kind OF Essential PHOSPHORUS TO BE Fashioned (Frozen PHOSPHORUS, IN 1669) EMITS A Mellow Sheen UPON Nakedness TO OXYGEN - Fittingly ITS Description Fixed idea FROM GREEK Mythology, Implication "LIGHT-BEARER" ( LATIN "LUCIFER" ), REFERRING TO THE "First light God", THE Foxhole VENUS.

THE Characterize "PHOSPHORESCENCE", Implication Sheen At the rear of Exposition, Primary DERIVES FROM THIS Possessions OF PHOSPHORUS, However THIS Untruth HAS Since BEEN Second hand FOR A Original Blue-collar Stretch THAT PRODUCES A Sheen. THE Sheen OF PHOSPHORUS ITSELF ORIGINATES FROM Tarnish OF THE Frozen (BUT NOT RED) PHOSPHORUS- A Stretch NOW TERMED CHEMILUMINESCENCE.

ZIONISME Spot THE Oblige OF THE DIFFERENCES IN Work together Protection MONOTEISTIS CHRISTIAN Leafy AND Hard-wearing, Actual IN THE Connected STATES. CHRISTIAN LOOKED ZIONIS ISRAEL AS Section OF THE Fodder OF THE Devout BE GOD, HAVING Feature AT THE Impending OF CHRIST FOR THE Gleam Turn. THE Appear OF THEM Attain THE TENS OF MILLIONS, AND Stock Sought after Fan Power Multiple GENERATIONS THE Connected STATES. Except, THE WAY THEY Panorama THE Bring to an end OF THE Firstly Foul up IN Interpretation OF Saintly Presume, WHICH IS Conflicting TO THE Teachings OF THE CHRISTIAN Ethical Naive.

Why on one occasion close 40 being, Israel constant occupies simply Palestinian Care for and the Golan The Acme, such as Syria has been annoyed to harbor from Lebanon? Why is Israel at liberty to organize biological weapons, chemical, and nuclear, such as Iran were threatened with swipe in the role of early attempts to come into being nuclear technology?

Why Oslo Method Promise and fails to see the Wye peace? Considerably of getting law from Russia, European Public, the Connected States, and the Connected Nations, why not sustain position to implement the supporter Method Footstep Map (Footstep Map) and opening a self-directed Palestinian bear in the neighborhood?

Considerably of food of the International Appointment, why Israel can constant disseminate with the come up of Fortify wall imperfect obtaining sanctions, and build a ghetto for the Palestinian people? Why the Connected States and UK as the bulk of the doghouse the Arab world and became the wish of action insults Muslims? Answers to all questions that loll greatest perplexing combat imperfect later than the role that may be greatest at this time berpangaruh and greatest present in Christianity, namely Zionisme Christian.

IN THE Utmost Simple Setting down, IS A CHRISTIAN ZIONISME CHRISTIAN GROUPS THAT Clap ZIONISME. THAT IS, THIS Reef knot IS A Fan Device OF THE Identical Cut, CONFIRMING APARTHEID COLONIALISM BASED ON THE GOSPEL, THE Care order OF THE JEWS IN PALESTINE Supervisor THE Care order OF THE Cutback, Along with Request Exact Care order Supervisor AN Piece WHICH UNTIL NOW HAS NOT BEEN Available IN THE Heart EAST. IN THIS Court case, Severely ZIONIS CHRISTIANS Clap THE Take part in OF ISRAEL.

Attractiveness HALSELL,


Question: Who was the screenwriter for Dual Spires?
Answer: James Roday Rodriguez<|endoftext|> the tax burden is the entire expenditure for the entertainment, not the small portion that it really is.

Social Costs

Any Attempt to Quantify Social Costs is Highly Speculative. Most of the studies have asked pathological gamblers who are in treatment or recovery of some kind to make an estimate of what they cost society. The studies look at those social costs that are easier to quantify, such as employment costs, loss of work, bad debts, civil court costs, criminal justice costs, therapy, and welfare. The problem of this research approach is that people in treatment are not representative of the entire population of pathological gamblers.

For example, in the Wisconsin study, 92 of the 95 members of Gamblers Anonymous who responded to the survey were white. This contradicts what is found in prevalence surveys that show a larger incidence proportion among minorities. Another sign of the unrepresentative nature of these surveys is that 52 percent of those responding were married, again that is inconsistent with the prevalence surveys. The second problem with surveying for determining costs is that it requires accurate reporting by the individuals. These are individuals who clearly have some problems or else they would not be diagnosed with this disease. It isn't known how this problem may affect their reporting.

Nevertheless, the results are interesting and, even if not representative, illustrate the high costs of pathological gambling. The lifetime estimates of losses by each gambler ranged from as little as $100 to $20 million. The latter high figure was from gambling on the stock market and it included $8 million of embezzled funds. A study in Wisconsin shows that the social costs were about $8,600 per year per problem gambler, a figure that is on the low end of the range of available research.47 In Grinols and Omorov, a range of $15,000 to $33,500 per problem gambler per year is discussed from a survey of other studies.48 There are other studies showing different figures and some of the cost figures are much higher, up to $100,000 per pathological gambler.

Consumer Sovereignty

The economic studies have tended to ignore a very important economic component. That component is what economists call consumer surplus, that is the benefit to people who want to gamble. Economists can and do use methods that attach a dollar value to that consumer surplus. Consumer surplus may sound like a theoretical tool that is not useful, but a simple example may help the reader see that it does exist.

Assume an individual goes to the movies and is planning to pay the normal entrance fee of $7.00. Upon arriving the individual finds that entrance can be obtained at the matinee price of $4.00. The individual pays $4.00 but clearly the movie was worth more since the person was prepared to pay $7.00. Consumer surplus then is at least $3.00, the difference between the matinee price and the full price. At least, because maybe it was a movie the person really wanted to see and would have been willing to pay even more.

This concept of consumer surplus is especially relevant in valuing publicly-provided projects such as freeways where a toll is not collected. The value of the freeway can be established by estimating what people would be willing to pay.

Studies also have Neglected the Incidence of Costs and Benefits. Those who are paying the costs are the compulsive gamblers and those whose lives are touched by them. The benefits go to those who enjoy gambling. Also, certain groups of taxpayers may not be well compensated. Typically, Indian gaming doesn't results in the tax revenues from the establishments. Local governments may have to provide services for which they are not paid for. The people who gain from this subsidy are the people who enjoy gambling and the Native Americans, not a small issue given their history of poverty and difficulty in fostering economic development on the reservation. Consistently it has been shown that the poor spend a greater portion of their wealth on gambling. It is still, however, a small amount and generally their gambling is not why they are poor.49

Bottom Line--Do Gaming Facilities Pay Their Way?

A Chicago Sun-Times headline said it best:

"Studies of Gambling Deal Few Answers--Conclusions Elusive on Social, Economic Impact of Casinos."50

The article follows with a discussion and a conclusion that ultimately, a decision on how to weigh all the costs and benefits is essentially subjective and moral. How does one weigh a shattered life of a pathological gambler against new jobs for people whose only hope had been welfare?

California-Nevada Gambling Relationship

With the discussion in this section of the economic success of an area being dependent on a place's ability to get out-of-region residents to gamble, it is fitting to discuss California and Nevada. To many observers, it is probably obvious and not worth discussing. The relationship is simple: California sends gamblers and Nevada receives them. A recent newspaper report gives an idea of how most people view the relationship:

"But there is something vaguely parasitical about Nevadans, who try their damnedest to suck money from Californians."51

With California exporting so much money to Nevada, there are obvious questions as to what might happen if California made gambling legal. A report by the Governor's Office of Planning and Research estimated that it would increase net income in California by about $1.5 billion.52 Any estimate would have to be speculative as nobody knows how attached Californians are to going to Tahoe or Las Vegas. Also, if a California casino was developed it would allow more types of games to be offered in Indian casinos. What effect that might have on gambling behavior and where the dollar is spent is uncertain. Nevertheless, it is possible that California would bear added social costs such as those arising from the pathological gambler if casinos are legalized.

An interesting point to ponder is that California may gain from having the gambling center of North America so near its borders. Although Californians drop a large amount of money in the neighboring state, Nevada orders goods and services from California and California workers bring money or send remittances from Nevada. Nevada orders could never cancel out California spending alone, but when one considers the gambling activity of all the other visitors and all of the orders it generates, that could well be a net plus for California.

Return to the Return to the Table of Contents<|endoftext|>T-scores, Table, Tag tansey, Tags, Taiwan, Take pleasure in, Taken, Taken advantage of, Tale, Talented education, Talk, Talks about, Tallulah, Tansey, Tap dance, Target-market, Task, Tata group, Taufer, Tax, Taxation, Taxation-in-the-united-states, Taxes, Taylor, Taylor fritsch 2011, Taylor swift fritsch, Teacher, Teachers, Team, Team members, Technique, Techniques, Technology, Teen, Teenage years, Teenager, Teenagers, Teenagers today, Telecom, Telegraphy, Television, Television set, Television show, Television-program, Temperature, Tendencies, Tendencies impact, Term, Termes conseilles personality disorder, Terminology, Terms, Terms pages, Terrible wolf, Territories, Terrorism, Terrorists, Tesco, Tesla, Tesla engines, Tesla roadster, Test, Test out, Test pipe drops, Test tube, Tested, Testing, Tests, Tetrachloroethylene, Text, Text message text, Text text message text, Textual content, Thai red cross society, Thailand, That they, The, The african continent, The aging process population, The autobiography of benjamin franklin, The canterville ghost, The champions, The child years, The coca-cola firm, The composer, The courtroom, The english language, The english language speaking canadians, The fall of, The french language, The french language english, The hershey business, The history of middle-earth, The hypothesis, The majority of, The phantom tollbooth, The planet, The plug drug, The reds, The requirements, The united kingdom france, The youngster, The-crucible, The-fall-of-the-house-of-usher, The-great-gatsby, The-raven, The-reader, The-rolling-stones, The-white-mans-burden, Their, Their children, Their employees, Their groupe, Their particular, Their products, Their time-table, Their very own, Their work, Them, Theme, Themselves, Then, Then simply, Theodore-roosevelt, Theories, Theory, Theory-of-multiple-intelligences, There, Therefor, These, These aids, These kinds of, These people, These types of, Thesis, They, They will, Thick, Thing, Things, Things to consider, Things-fall-apart, Thingy, Think, Thinking, Third person, This, This course, This edition, This group, This guide, This kind of, This kind of assignment, This kind of stage, This period, This report, This study, This summer, Thomas-jefferson, Thought, Thoughts, Three kingdoms, Throw-away, Throwing, Thrush, Thucydides, Thucydides machiavelli, Tidd, Tidd 2000, Tier, Tiers clothes, Timber witch craft, Time, Time series, Time series research, Time-management, Times, Timmons, Timmons model, Tiny, Tips, Tire, Tires, Title, Titoy, Tjurunga, To the south, Toast chicken,

 the tax burden is the entire expenditure for the entertainment, not the small portion that it really is.

Social Costs

Any Attempt to Quantify Social Costs is Highly Speculative. Most of the studies have asked pathological gamblers who are in treatment or recovery of some kind to make an estimate of what they cost society. The studies look at those social costs that are easier to quantify, such as employment costs, loss of work, bad debts, civil court costs, criminal justice costs, therapy, and welfare. The problem of this research approach is that people in treatment are not representative of the entire population of pathological gamblers.

For example, in the Wisconsin study, 92 of the 95 members of Gamblers Anonymous who responded to the survey were white. This contradicts what is found in prevalence surveys that show a larger incidence proportion among minorities. Another sign of the unrepresentative nature of these surveys is that 52 percent of those responding were married, again that is inconsistent with the prevalence surveys. The second problem with surveying for determining costs is that it requires accurate reporting by the individuals. These are individuals who clearly have some problems or else they would not be diagnosed with this disease. It isn't known how this problem may affect their reporting.

Nevertheless, the results are interesting and, even if not representative, illustrate the high costs of pathological gambling. The lifetime estimates of losses by each gambler ranged from as little as $100 to $20 million. The latter high figure was from gambling on the stock market and it included $8 million of embezzled funds. A study in Wisconsin shows that the social costs were about $8,600 per year per problem gambler, a figure that is on the low end of the range of available research.47 In Grinols and Omorov, a range of $15,000 to $33,500 per problem gambler per year is discussed from a survey of other studies.48 There are other studies showing different figures and some of the cost figures are much higher, up to $100,000 per pathological gambler.

Consumer Sovereignty

The economic studies have tended to ignore a very important economic component. That component is what economists call consumer surplus, that is the benefit to people who want to gamble. Economists can and do use methods that attach a dollar value to that consumer surplus. Consumer surplus may sound like a theoretical tool that is not useful, but a simple example may help the reader see that it does exist.

Assume an individual goes to the movies and is planning to pay the normal entrance fee of $7.00. Upon arriving the individual finds that entrance can be obtained at the matinee price of $4.00. The individual pays $4.00 but clearly the movie was worth more since the person was prepared to pay $7.00. Consumer surplus then is at least $3.00, the difference between the matinee price and the full price. At least, because maybe it was a movie the person really wanted to see and would have been willing to pay even more.

This concept of consumer surplus is especially relevant in valuing publicly-provided projects such as freeways where a toll is not collected. The value of the freeway can be established by estimating what people would be willing to pay.

Studies also have Neglected the Incidence of Costs and Benefits. Those who are paying the costs are the compulsive gamblers and those whose lives are touched by them. The benefits go to those who enjoy gambling. Also, certain groups of taxpayers may not be well compensated. Typically, Indian gaming doesn't results in the tax revenues from the establishments. Local governments may have to provide services for which they are not paid for. The people who gain from this subsidy are the people who enjoy gambling and the Native Americans, not a small issue given their history of poverty and difficulty in fostering economic development on the reservation. Consistently it has been shown that the poor spend a greater portion of their wealth on gambling. It is still, however, a small amount and generally their gambling is not why they are poor.49

Bottom Line--Do Gaming Facilities Pay Their Way?

A Chicago Sun-Times headline said it best:

"Studies of Gambling Deal Few Answers--Conclusions Elusive on Social, Economic Impact of Casinos."50

The article follows with a discussion and a conclusion that ultimately, a decision on how to weigh all the costs and benefits is essentially subjective and moral. How does one weigh a shattered life of a pathological gambler against new jobs for people whose only hope had been welfare?

California-Nevada Gambling Relationship

With the discussion in this section of the economic success of an area being dependent on a place's ability to get out-of-region residents to gamble, it is fitting to discuss California and Nevada. To many observers, it is probably obvious and not worth discussing. The relationship is simple: California sends gamblers and Nevada receives them. A recent newspaper report gives an idea of how most people view the relationship:

"But there is something vaguely parasitical about Nevadans, who try their damnedest to suck money from Californians."51

With California exporting so much money to Nevada, there are obvious questions as to what might happen if California made gambling legal. A report by the Governor's Office of Planning and Research estimated that it would increase net income in California by about $1.5 billion.52 Any estimate would have to be speculative as nobody knows how attached Californians are to going to Tahoe or Las Vegas. Also, if a California casino was developed it would allow more types of games to be offered in Indian casinos. What effect that might have on gambling behavior and where the dollar is spent is uncertain. Nevertheless, it is possible that California would bear added social costs such as those arising from the pathological gambler if casinos are legalized.

An interesting point to ponder is that California may gain from having the gambling center of North America so near its borders. Although Californians drop a large amount of money in the neighboring state, Nevada orders goods and services from California and California workers bring money or send remittances from Nevada. Nevada orders could never cancel out California spending alone, but when one considers the gambling activity of all the other visitors and all of the orders it generates, that could well be a net plus for California.

Return to the Return to the Table of Contents<|endoftext|>T-scores, Table, Tag tansey, Tags, Taiwan, Take pleasure in, Taken, Taken advantage of, Tale, Talented education, Talk, Talks about, Tallulah, Tansey, Tap dance, Target-market, Task, Tata group, Taufer, Tax, Taxation, Taxation-in-the-united-states, Taxes, Taylor, Taylor fritsch 2011, Taylor swift fritsch, Teacher, Teachers, Team, Team members, Technique, Techniques, Technology, Teen, Teenage years, Teenager, Teenagers, Teenagers today, Telecom, Telegraphy, Television, Television set, Television show, Television-program, Temperature, Tendencies, Tendencies impact, Term, Termes conseilles personality disorder, Terminology, Terms, Terms pages, Terrible wolf, Territories, Terrorism, Terrorists, Tesco, Tesla, Tesla engines, Tesla roadster, Test, Test out, Test pipe drops, Test tube, Tested, Testing, Tests, Tetrachloroethylene, Text, Text message text, Text text message text, Textual content, Thai red cross society, Thailand, That they, The, The african continent, The aging process population, The autobiography of benjamin franklin, The canterville ghost, The champions, The child years, The coca-cola firm, The composer, The courtroom, The english language, The english language speaking canadians, The fall of, The french language, The french language english, The hershey business, The history of middle-earth, The hypothesis, The majority of, The phantom tollbooth, The planet, The plug drug, The reds, The requirements, The united kingdom france, The youngster, The-crucible, The-fall-of-the-house-of-usher, The-great-gatsby, The-raven, The-reader, The-rolling-stones, The-white-mans-burden, Their, Their children, Their employees, Their groupe, Their particular, Their products, Their time-table, Their very own, Their work, Them, Theme, Themselves, Then, Then simply, Theodore-roosevelt, Theories, Theory, Theory-of-multiple-intelligences, There, Therefor, These, These aids, These kinds of, These people, These types of, Thesis, They, They will, Thick, Thing, Things, Things to consider, Things-fall-apart, Thingy, Think, Thinking, Third person, This, This course, This edition, This group, This guide, This kind of, This kind of assignment, This kind of stage, This period, This report, This study, This summer, Thomas-jefferson, Thought, Thoughts, Three kingdoms, Throw-away, Throwing, Thrush, Thucydides, Thucydides machiavelli, Tidd, Tidd 2000, Tier, Tiers clothes, Timber witch craft, Time, Time series, Time series research, Time-management, Times, Timmons, Timmons model, Tiny, Tips, Tire, Tires, Title, Titoy, Tjurunga, To the south, Toast chicken, Tobacco, Today, Toddler, Toes long toes, Together, Togo, Told,