Article by Ralph Miller

Since I wrote the first article about the DaVinci Code, I have received emails from readers who have suggested that there is more information contained within Leonardo DaVinci’s drawing “Proportions of the Human Figure”. I have continued researching the subject myself as well. In order to give some more of the information, I decided to write this second installment. I would also like to thank those who have sent me these ideas.

There seems to be a connection between all things. In other words, the nature of reality itself, or at least what we would consider consensual reality or 3D, seems to be holographic in nature. Each part of nature contains clues that unlock the puzzle of all the rest of reality, or to the whole of creation. DaVinci’s drawing contains incredible information that shows the connection between humans and all of reality. There is a geometry hidden within the human body that reflects the geometry in everything else.

During an Ayahuasca journey, many people experience a perception of everything as part of an extraordinary mathematical equation. They see themselves in mathematical form. From nature around them to even their thoughts and emotions, everything is somehow represented as part of a beautiful mathematical geometry. Ayahuasca unlocks or awakens the visionary brain. The visionary brain completes the human ability to perceive. It unlocks the capacity of a greater seat of understanding that is located in the heart.

This expanded perception of reality cannot be simply intellectualized. We are used to conceptualizing ideas with our ‘thinking’ minds, and this is far too elaborate and complicated to grasp at that level. There is however, an expanded state of consciousness that elicits a ‘knowing’. Knowing is quite different from ‘understanding.’ This knowing relies on a perception and trust that comes from the heart. It is very strange, because as soon as you trust … is as quick as you know.

Somehow ‘knowing’ is the feminine counterpart of masculine ‘understanding’. We have had generations of conditioning around understanding, to the point where much of the art of knowing has gone dormant. This is all changing now. We are moving through a transition as humans. We are moving back to remembering our feminine selves.

The first DaVinci Code article showed step-by-step how a perfect six-pointed star could be constructed within the human figure. Some suggest that the six-pointed star also represents two three-dimensional tetrahedrons. A tetrahedron is a four-sided solid, where each side is an equilateral triangle. The two interlocking tetrahedrons together form a solid called a star tetrahedron.

 

The star tetrahedron also represents what some believe to be the human energy field, also called the Merkaba. I don’t think any of us can be certain that the human energy field looks like this, but there are some very synchronistic relationships that are revealed.

If you place a star tetrahedron inside of a sphere, with one of the apexes of the tetrahedron at the ‘North’ pole and one at the ‘South’ pole of the sphere, then the other six apexes of the star will touch or intersect the sphere at 19.47° above and below the “equator” of the sphere.

Consider the fact that the earth is a thin solid crust that is rotating at great speed around what is basically a liquid magma center. The result is an upwelling of great force that occurs at 19.47° North and South, that seemingly comes from nowhere. In any case the result is that a large amount of volcanic activity occurs at those latitudes. It is theorized that these forces are hyper-dimensional in nature and cascade into three-dimensional reality resulting in volcanoes.

 

Mauna Loa	Hawaii	19°, 28′ N of equator
Mauna Kea	Hawaii	19°, 36′ N of equator
Mexico City	Mexico	19°, 23′ N of equator
Dzibalchen	Mexico	19°, 28′ N of equator
Georgetown	Grand Cayman	19°, 18′ N of equator
Mount Emi Koussi	Chad	19°, 47′ N of equator
Mount Kalsubai	India	19°, 33′ N of equator
Xiangkhoang	Laos	19°, 17′ N of equator
Potosi	Bolivia	19°, 13′ S of equator
Yasur, Tanna Island	Vanuatu	19°, 31′ S of equator
Mount Samuel	Australia	19°, 13′ S of equator
Gweru	Zimbabwe	19°, 31′ S of equator

Many of the sacred sites of ancient civilizations are also located at or very near to 19.47° North or South of the earth’s equator including the Pyramid of the Sun at Teotihuacan, Mexico (19°, 36′ N of equator).

 

Further, volcanic activity is pronounced at 19.47° on other bodies in our solar system, including:

The Sun	Sunspot activity and the region of peak temperatures is limited to 19.5° North and South.
Venus	The presumably active major volcano complexes Alpha and Beta Regio are near 19.5°.
Mars	The vast Olympus Mons shield cone volcano is at 19.5°.
Jupiter	The red spot is at 19.5°.
Neptune	In 1986 Voyager II discovered a similar spot at 19.5°.

Another synchronicity that occurs in DaVinci’s drawing is that you can take the two-dimensional six-pointed ‘Star of David’ and if you interpret it as a view of a three-dimensional object it is a perfect dipyramid. The pyramids that were constructed by the Egyptians were not 3-sided tetrahedrons but were 4-sided pyramids, because they had a square base, plus four triangular sides. A dipyramid is simply two pyramids stuck together at their base.

If you rotate the dipyramid represented by the Star of David in DaVinci’s drawing, by an amount equal to 36.26° (90° minus 19.47° divided by 2) the dipyramid will move into a perfect right-angle, two-dimensional view. The pyramids of Egypt were not quite perfect pyramids, as they were constructed slightly squatty. But even so, there is definitely a connection. Remember they are located at 19.5° North latitude!

  The ayahuasca journeys unfold reality into an extraordinary fractal mathematical representation. There is such a vast amount of information that is encoded into us already; it is simply a matter of unlocking the brain in order to perceive it. Somehow there is a connection between the dimensions of the human body to the earth; to the location of volcanoes; to the location of sacred sites; and to even to the pyramids themselves.

Incredible! To review, you have a perfect six-pointed Star of David in DaVinci’s drawing, which can be extended into a three-dimensional star tetrahedron, unfolding a story about unknown hyper-dimensional physical forces occurring at 19.47° North and South. The two-dimensional Star of David can also be represented as a three-dimensional dipyramid, that when rotated by 35.26° which happens to be a mathematical factor of 19.47°, will return back to a two-dimensional representation of a dipyramid. Half of the dipyramid is a perfect equilateral pyramid.

The divine nature of man is hidden inside of reality itself, and the true nature of reality is hidden within humans. In our modern world we have developed myopia to such a degree, that we have collectively distorted our perception of where we really are and who we really are. But, many are making the journey back. A journey of remembering.

 

The Da Vinci Code Quest

 

 

 

 

 

THE other day I received yet another teaser letter with a simulated credit card glued to it. On closer inspection, this was not the typical pitch for an ordinary Visa or MasterCard; it was for a J. . PMorgan Chase EquityCard. It functions just like a credit card, except that it would allow me to spend the equity in my home.

“Pay off bills,” the letter exhorted me. “Make home improvements. Get CASH — up to $65,621.”

I felt my stomach churn at the notion of using plastic — backed by my home— as an instrument of payment. I already have a home-equity line of credit with my mortgage lender. Most such lines of credit are variable-rate, interest-only loans — just about the slipperiest slope a borrower can be on, as I know from the rapidly rising interest rate on my own line of credit.

Being given instant access to your equity via a credit card would seem like a serious financial hazard, especially because these loans are structured so that the bigger your line of credit, the lower the interest rate. When I called J. P. Morgan Chase to inquire about a theoretical $10,000 line of credit, the representative suggested that I take a $25,000 line of credit instead, because of the better interest rate: 8.75 percent versus 9.75 percent for the smaller loan.

A Chase spokesman said there were fixed costs associated with setting up any loan, so the larger the line of credit, the more the bank stands to make. Thus, it can offer a more favorable rate to bigger borrowers.

Of course, the customer service person reminded me, “If you take the $25,000, it in no way suggests you have to use the $25,000.”

Easy for him to say. An awful lot of Americans have gotten into the habit of seeing their homes as virtual cash machines. Whereas using a credit card is truly spending borrowed money, cashing out equity can seem more like using funds you (or your house) have “earned.”

In 1995, according to Freddie Mac, homeowners cashed out $11.2 billion in equity; the estimated amount for 2005 is $243 billion. Those figures do not include the additional money people have borrowed through lines of credit.

That may have been fine while home values were soaring and interest rates were not. But the last thing homeowners need now is the temptation to leverage themselves even further with home-equity cards, spending cash that ultimately might not be covered by their home’s appreciating value.

Genie M. Driskill, chief operating officer at Synergistics Research in Atlanta, disagrees. First, she points out, these cards are not new. About 41 percent of lenders offer them and only about 7 percent of homeowners use plastic to obtain access to their lines of credit. She also feels that most homeowners are cautious about using creditlike cards to tap their equity. “There is an overriding sense that this is my home, and people are very conservative.”

According to the Synergistics telephone survey in 2005, the top two ways consumers spend their home equity are on home improvements (56 percent) and debt consolidation (32 percent).

Ms. Driskill pointed out that fewer than 10 percent of homeowners tapped their equity for something like a vacation. But I don’t think it matters whether you spend the money at Home Depot or with a luxury cruise line. True, putting in a new kitchen enhances your home’s value, but the danger either way is the temptation to spend yourself into a hole that might be harder to climb out of than it looks.

If I signed up for a $25,000 Chase EquityCard — which I did qualify for — and spent $10,000 on my bathroom, I would be biting my nails until the property values in my small town had risen high enough to cover the loan, and still give me the profit I’m counting on when I sell.

Amy Crews Cutts, deputy chief economist at Freddie Mac, says that home-equity lines of credit can be a tremendous blessing for those who need the savings stored in their home in the event of an emergency, like a job loss. But she is concerned about too easy access to that money in the shape of a credit card “that looks just like every other credit card.”

“It’s a net plus for the American homeowner to have the opportunity for that credit,” Ms. Crews Cutts said, “but it can turn into a nightmare if they aren’t able to keep their finances under control.”

 

 

 

 

 

It’s the No. 1 complaint that realty agents make about the home mortgage lending process. And it bugs their home buyer clients, as well: the failure of settlement or escrow officials to provide a copy of the final settlement sheet in advance of the actual closing.

In a new nationwide survey of real estate agents, 50 percent cited the absence of “HUD-1″ closing documents for review a day ahead of the settlement as their biggest gripe. Realtors told pollsters that although “required by government regulations,” settlement sheets rarely arrive in advance - thereby denying home buyers an opportunity to see an itemized list of all of their charges and fees.

“I have yet to see a HUD statement prior to a client’s closing,” one agent said. “It would be nice for [home buyers] to have it in hand at least two days prior to closing, if for no other reason than to let them know what funds they need [for] settlement.”

Another complained that when buyers go to closing with no advance copy of the HUD-1, even if requested, “closing costs are different from the original quote given to the buyer - sometimes by over $1,000.”

The new study was sponsored by a lending industry newsletter, Inside Mortgage Finance, and conducted by market researchers Campbell Communications and Geosegment Systems Inc. A statistically representative sample of 1,780 real estate agents participated in the polling; the survey has a 3 percent margin of error.

Tom Popik, a principal of Geosegment Systems, said the findings are “really rather shocking. In what other major consumer purchase do you not get information about the final costs and fees until the last minute? How often do people buy a car and not be told the final, bottom-line costs ahead of time?”

The survey also focuses fresh light on when - if indeed ever under current federal rules - closing agents must provide a copy of the HUD-1 settlement sheet. Here are the facts:

Although realty agents and consumers may believe that federal rules guarantee them the right to see the final closing numbers a day ahead of settlement, that’s not completely accurate. Washington, D.C., lawyer Phillip L. Schulman of Kirkpatrick & Lockhart Nicholson Graham LLP, an expert on federal real estate regulations, says the law requires a closing agent to provide a borrower the HUD-1 figures one business day in advance only “if the borrower requests” such a review. Equally important, Schulman said, the closing agent is required to provide only “whatever figures [the agent] actually has received up until that time” from other parties in the transaction.

“The fact is that some of these numbers come in very late in the process,” just hours or even minutes before the scheduled settlement time, Schulman said.

Another widely misunderstood point: The federal agency that regulates real estate settlement procedures has no enforcement powers when closing agents fail to provide advance copies of the HUD-1 to consumers who request them.

Ivy Jackson, who heads the Department of Housing and Urban Development’s investigation unit on settlement complaints, said that “we simply do not have the authority” under current federal law to penalize a firm that ignores consumers’ requests to review settlement information in advance.

Richard Fritz, a lawyer and title agent with Paragon Title & Escrow Co. of Bethesda, Md., says one reason that HUD-1 sheets often are not finalized 24 hours in advance is that “we often have to wait for the borrower’s lender to come through” with key information about fees and detailed closing instructions.

Sometimes other parties delay sending information needed for the HUD-1, such as local government agencies (property tax information), condominium or homeowner associations (annual fees that affect escrow numbers), and even the home buyer’s realty broker (sales contract details).

“We are always willing to let borrowers see whatever we have received” 24 hours in advance, Fritz said. “But what we obviously can’t show them is what we haven’t received” - which may be substantial.

Fritz said his firm soon will allow all parties to a transaction to inspect files online 24/7 through a password-enabled, secure website. Meanwhile, HUD is expected to soon present regulatory proposals requiring settlement documents to closely track upfront “good faith estimates.” Under current rules, final closing numbers can be far off the mark from the upfront estimates, a loophole that sometimes allows unethical loan officers to pull in mortgage shoppers with lowballed quotes on fees.

Under HUD’s forthcoming proposals, good faith estimates on settlement charges would be required to come with a lot more good faith - if not ironclad guarantees.

   

 

 

Blogs have a lot of buzz, but there’s still considerable debate about whether that can translate into profits.

While many blogs remain little more than amateur diaries, several bloggers have tried to parlay their online ramblings into branded businesses. One, Jason Calacanis, co-founded Weblogs Inc., a network of blogging sites that was acquired last year by AOL. Mr. Calacanis has been an outspoken proponent of blogs as business vehicles, arguing that quality content can drive enough traffic to attract advertisers.

But longtime Internet entrepreneur Alan Meckler is skeptical. Mr. Meckler, who is chief executive of Jupitermedia Inc., believes that some blogs may achieve a measure of success, but doubts most blogs will be able to generate meaningful profits.

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