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Subject: I want this back - apparently it works & I thought you could use it
Let's hope this works we can all use a little luck. ( I cant take any chances for bad luck!)
Make sure you follow the directions carefully. I think we all need a little luck right about now.
Hope the Leprechaun dances his jig for you!
Comments from others:
I had to forward this, my mom swears it works. The day after she sent it, they got an offer on their land on the Swannee river, they haven't even seen that land since 1987. It came out of the blue. So you know that I'm going to try it.
Love Kim
Not sure if this had anything to do with it but it was shortly after I sent this out - I got a call to say our bond was approved - against all odds.
I don't know if it works but I won a new fridge full of various cool drinks from Beyer and Beyer last week.
I do not know if it works, but I won a microwave yesterday Seems like it Hey !!
I hope this works my son could use a really good job!!!!!!!
Good luck to everyone! And may all your dreams come true!!
This may sound nuts, but my husband got this the other day and sent it off. About 10 minutes later a really good financial windfall happened for his son Sean who he had sent it too as well. One of the people he sent it to was responsible for the windfall.
AN IRISH FRIENDSHIP WISH
Good Luck!!
I hope it works...
May there always be work for your hands to do;
May your purse always hold a coin or two;
May the sun always shine on your windowpane;
May a rainbow be certain to follow each rain;
May the hand of a friend always be near you;
May God fill your heart with gladness to cheer you.
OK, this is what you have to do...Send this to all of your friends!
But - you HAVE to send this within 1 hour
From when you open it!
Now................Make A wish!!!!!!
I hope you made your wish! Now then, if you send to:
1 person --- your wish will be granted in 1 year
3 people --- 6 months
5 people --- 3 months
6 people --- 1 month
7 people --- 2 weeks
8 people --- 1 week
9 people --- 5 days
10 people --- 3 days
12 people - -- 2 days
15 people --- 1 day
20 people --- 3 hours
If you delete this after you read it . You will have 1 year of bad luck! But .. If you send it to 2
Of your friends you will automatically have 3 years of good luck!!! )
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How to See Auras
Psychic Workout
by Psychic Marin ext. 5113
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Tao of Lakota, North Dakota asks:
How does anybody really "see" auras? My own opinion is that auras are physiological rather than spiritual, but I'm fascinated to understand more.
Psychic Marin responds:
Martha Graham, an American dancer, choreographer and pioneer of modern dance in the 1920s, was able to capture the essence of the human aura, describing it as a vitality, a life force, and an energy that is translated through you into action. Because there is only one "you," this energetic expression will always be unique.
From a scientific perspective, an aura is the energy field that surrounds the human body, or any matter composed of an atomic structure. Did I lose you already? OK, hang in there with me for a minute. You may feel like you're in Physics 101.
Within our atomic structure are positive and negative charges that interact with one another. The increase in interaction results in more energy production, visible as a vibrant light or aura.
The crown chakra, the energy source located at the top of our head, is the origin of the aura. Here lies the brain, the most active area of our body.
When you imagine an angel, do you instantly visualize a figure with a halo above its head? The halo, often seen around the heads of prominent religious figures like Mary and Jesus, identifies someone with a strong energy field and sacred aura. Fortunately, we have evolved in our scientific understanding of the aura and equipment has been developed that allows us to capture one's aura through photography. You may have seen these fancy cameras at psychic fairs. Although aura photography is a useful tool, highly sensitive individuals have the ability to visually see auras without the use of photographic equipment. I will never forget the first time I saw an aura. I did a double take, simply because I had never seen anything quite like it. I thought my eyesight was distorted, or that I was suffering from some form of selectively blurred vision. Little did I know that I was developing the ability to see auras. You too may have this ability, and an afternoon of people-watching from a park bench will help nurture it.
Developing your ability to see auras
1. Find a comfortable bench in a busy park or city street, a place where you will be exposed to a variety of individuals. The more diverse (socially, culturally or economically), the better.
2. Choose a person close by. Try to locate a stationary person, rather than someone in motion, as the aura will be easier to decipher.
3. With an intense gaze (you may want to wear sunglasses so you don't appear to be staring), watch the person in front of you, paying specific attention to the head area. Visualize their head floating in thin air, allowing the rest of their human form to disappear.
4. Keep your eyes open for as long as possible and avoid blinking. At first, your eyes may burn, which is to be expected. As you practice, the muscles in your eyes will strengthen until you can hold a gaze for a long time. Some professional scryers (crystal ball readers) and aura readers can maintain their intense gaze for a at least 30 minutes.
5. Don't let your eyes wander. Rather, keep them fixed, looking intensely at the head of the person in front of you.
6. Eventually, the clear details of the face will become blurry, and the human form will begin to appear milky white.
7. Next, you will begin to see light and/or colors surrounding the head. Auras appear in a variety of forms, from rays of light to rings, rainbows or even spots of color. There is no right or wrong way of seeing an aura.
8. If for some reason you have difficulty seeing an aura, choose another person and try the exercise again.
9. Once you have identified an aura surrounding someone, continue watching for at least five minutes. Does the aura change colors? Does it change in intensity, growing stronger or diminishing in brightness? Does it immediately change from one color to another? Note any surrounding activity that could have contributed to a change. Take a look at the following aura attributes to help you understand the meaning of aura colors and patterns.
Aura attributes
Clear/Bright Aura: Positive state of mind, healthy
Invisible/absent Aura: Withdrawn, reluctant, distrustful
Faded/Dull Aura: Illness, sadness, grieving
Red Aura: Active, strength
Pink Aura: Loving, compassionate
Orange Aura: Intellectually strong, honorable
Yellow Aura: Well balanced
Green Aura: Creative, feisty, restless, active
Blue Aura: Healing
Purple Aura: Psychic abilities, mediumship
White Aura: Purity, divine messenger, angelic
Black Aura: Negativity, depression, mental health difficulties
Environmental influences and the energies we absorb from others can take their toll on us. Understanding this and being able to "see" the aura will encourage you to maintain good "aura health." Identify what aspects of life strengthen or weaken your aura. The stronger your aura, the more it can act like a barrier and offer psychic shielding and protection.
Indulge in the small miracle and beauty of seeing another individual's aura, and recognize that you possess a gift that allows you to see people through a different perspective. Treat this newly discovered ability with respect and appreciation, and most importantly, use it responsibly!
Faithfully,
Marin
What color is your aura? Call 1.800.573.4830 or Pick a Psychic.
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Posted by chester on Sun Aug 15, 2010 9:42 pm ( comments? Groovey Store | Score: 0) |
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Do Not Be Bashfull $1 Donations are GREAT |
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Do not Be Bashful $1 Donations are GREAT If you enjoy the site and the information Donate A Dollar Click on pay pal to the right THANKS
Posted by chester on Fri Aug 13, 2010 8:33 am ( comments? Groovey Store | Score: 0) |
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Debt Rise and Goes Unpaid |
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Debts Rise, and Go Unpaid, as Bust Erodes Home Equity
By DAVID STREITFELD
Published: August 11, 2010
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PHOENIX — During the great housing boom, homeowners nationwide borrowed a trillion dollars from banks, using the soaring value of their houses as security. Now the money has been spent and struggling borrowers are unable or unwilling to pay it back.
The delinquency rate on home equity loans is higher than all other types of consumer loans, including auto loans, boat loans, personal loans and even bank cards like Visa and MasterCard, according to the American Bankers Association.
Lenders say they are trying to recover some of that money but their success has been limited, in part because so many borrowers threaten bankruptcy and because the value of the homes, the collateral backing the loans, has often disappeared.
The result is one of the paradoxes of the recession: the more money you borrowed, the less likely you will have to pay up.
“When houses were doubling in value, mom and pop making $80,000 a year were taking out $300,000 home equity loans for new cars and boats,” said Christopher A. Combs, a real estate lawyer here, where the problem is especially pronounced. “Their chances are pretty good of walking away and not having the bank collect.”
Lenders wrote off as uncollectible $11.1 billion in home equity loans and $19.9 billion in home equity lines of credit in 2009, more than they wrote off on primary mortgages, government data shows. So far this year, the trend is the same, with combined write-offs of $7.88 billion in the first quarter.
Even when a lender forces a borrower to settle through legal action, it can rarely extract more than 10 cents on the dollar. “People got 90 cents for free,” Mr. Combs said. “It rewards immorality, to some extent.”
Utah Loan Servicing is a debt collector that buys home equity loans from lenders. Clark Terry, the chief executive, says he does not pay more than $500 for a loan, regardless of how big it is.
“Anything over $15,000 to $20,000 is not collectible,” Mr. Terry said. “Americans seem to believe that anything they can get away with is O.K.”
But the borrowers argue that they are simply rebuilding their ravaged lives. Many also say that the banks were predatory, or at least indiscriminate, in making loans, and nevertheless were bailed out by the federal government. Finally, they point to their trump card: they say will declare bankruptcy if a settlement is not on favorable terms.
“I am not going to be a slave to the bank,” said Shawn Schlegel, a real estate agent who is in default on a $94,873 home equity loan. His lender obtained a court order garnishing his wages, but that was 18 months ago. Mr. Schlegel, 38, has not heard from the lender since. “The case is sitting stagnant,” he said. “Maybe it will just go away.”
Mr. Schlegel’s tale is similar to many others who got caught up in the boom: He came to Arizona in 2003 and quickly accumulated three houses and some land. Each deal financed the next. “I was taught in real estate that you use your leverage to grow. I never dreamed the properties would go from $265,000 to $65,000.”
Apparently neither did one of his lenders, the Desert Schools Federal Credit Union, which gave him a home equity loan secured by, the contract states, the “security interest in your dwelling or other real property.”
Desert Schools, the largest credit union in Arizona, increased its allowance for loan losses of all types by 926 percent in the last two years. It declined to comment.
The amount of bad home equity loan business during the boom is incalculable and in retrospect inexplicable, housing experts say. Most of the debt is still on the books of the lenders, which include Bank of America, Citigroup and JPMorgan Chase.
“No one had ever seen a national real estate bubble,” said Keith Leggett, a senior economist with the American Bankers Association. “We would love to change history so more conservative underwriting practices were put in place.”
The delinquency rate on home equity loans was 4.12 percent in the first quarter, down slightly from the fourth quarter of 2009, when it was the highest in 26 years of such record keeping. Borrowers who default can expect damage to their creditworthiness and in some cases tax consequences.
Nevertheless, Mr. Leggett said, “more than a sliver” of the debt will never be repaid.
Eric Hairston plans to be among this group. During the boom, he bought as an investment a three-apartment property in Hoboken, N.J. At the peak, when the building was worth as much as $1.5 million, he took out a $190,000 home equity loan.
Mr. Hairston, who worked in the technology department of the investment bank Lehman Brothers, invested in a Northern California pizza catering company. When real estate cratered, Mr. Hairston went into default.
The building was sold this spring for $750,000. Only a small slice went to the home equity lender, which reserved the right to come after Mr. Hairston for the rest of what it was owed.
Mr. Hairston, who now works for the pizza company, has not heard again from his lender.
Since the lender made a bad loan, Mr. Hairston argues, a 10 percent settlement would be reasonable. “It’s not the homeowner’s fault that the value of the collateral drops,” he said.
Marc McCain, a Phoenix lawyer, has been retained by about 300 new clients in the last year, many of whom were planning to walk away from properties they could afford but wanted to be rid of — strategic defaulters. On top of their unpaid mortgage obligations, they had home equity loans of $50,000 to $150,000.
Fewer than 5 percent of these clients said they would continue paying their home equity loan no matter what. Ten percent intend to negotiate a short sale on their house, where the holders of the primary mortgage and the home equity loan agree to accept less than what they are owed. In such deals primary mortgage holders get paid first.
The other 85 percent said they would default and worry about the debt only if and when they were forced to, Mr. McCain said.
“People want to have some green pastures in front of them,” said Mr. McCain, who recently negotiated a couple’s $75,000 home equity debt into a $3,500 settlement. “It’s come to the point where morality is no longer an issue.”
Darin Bolton, a software engineer, defaulted on the loans for his house in a Chicago suburb last year because “we felt we were just tossing our money into a hole.” This spring, he moved into a rental a few blocks away.
“I’m kind of banking on there being too many of us for the lenders to pursue,” he said. “There is strength in numbers.”
John Collins Rudolf contributed reporting.
A version of this article appeared in print on August 12, 2010, on page A1 of the New York edition.
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Posted by chester on Thu Aug 12, 2010 1:45 pm ( comments? Groovey Store | Score: 0) |
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Posted by chester on Tue Mar 30, 2010 10:45 am ( comments? Groovey Store | Score: 0) |
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