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

 

 

Looking for ethics in the mortgage industry

In a newly-published book, a real estate attorney is taking a look at ethics in the mortgage industry.    “What Does ‘Right’ Mean?: Developing an Ethical Business Environment in the Mortgage Industry,” is a book by William Bost III, a partner at the North Carolina-based law firm Ragsdale Liggett PLLC in the business law department. His practice encompasses bank and non-bank financial services, mortgage banking, securities, mergers and acquisitions, real estate law, and corporate law.   Bost wrote the book to provide mortgage industry professionals assistance in developing an ethical framework in which to operate their individual and collective businesses. In the book, he assesses how ethical principles apply to the ever-changing mortgage business and suggests ways for businesses to benefit by clearly defining their ethical principles.       “No government is capable of promulgating rules that apply in all situations,” said Bost.  “A determined person will always be able to find a loophole in a law or rule under which he may do something mean, self-serving, or dishonest. The truly ethical person is aware of the many ways he benefits from the order created by sensible laws, and does what he can to promote and maintain such order. Thus, acting ethically requires adhering to the spirit of the law, not just its clear provisions.” But Bost is not the only one seeking stronger ethics in the mortgage industry.  Mortgage industry:  Police thyself  Timothy Fredrick of Florida-based Titan Lending says that “with government agencies across the country targeting mortgage fraud and abuse, it’s time industry leaders and associations kick self-monitoring and policing into high gear.”  Fredrick referenced the prosperous growth the mortgage industry has enjoyed in recent history, noting that the boom in loan volume brought a massive influx of professionals to the industry.  “As these wonderful things were happening, however, some mortgage professionals seemed to have lost sight of many of the principles that spurred this growth. There are grumblings about how out of control we have become, and they come from Capitol Hill, our local governments, consumer groups, industry partners and our own ranks. Did we forget why we are here?” Frederick asked.  He believes that “it is time that we all start to fight for our future. The problems are internal to mortgage bankers, mortgage brokers, banks and Wall Street. There are also problems with government and consumer understanding. We are all for making strides in reducing predatory lending, Real Estate Settlement Procedures Act violations and such. But we are destroying our credibility by allowing mortgage fraud to propagate freely.”   Further he says that Section 9 of the 1003, which lists penalties for providing false information, “used to be enough to scare anyone out of lying — mortgagor or mortgagee. But if you’re not originating government loans, little else can convince you that a little white lie won’t hurt anyone.”   Fredrick explained that Wall Street seeks recourse with lenders; lenders buy the loans back and then go after mortgage originators. Mortgage originators — including lenders, brokers and their employees — usually don’t have the capacity to repurchase the loans, and that’s the end of the story. “We all know that regulators and law-enforcers aren’t really putting anyone in prison. So what’s the worst that can happen?” he said.   “Essentially, it begins and ends with the loan originator. Loan officers can prevent nearly all fraud from occurring. But without proper motivation, prevention is last on the list of priorities. Unless fraud is detected, there are no real repercussions. There is also a great deal of money to be made; heck, loans are closing that wouldn’t otherwise close. Loan products and lender policies also seem to encourage fraud. Programs such as stated-income/stated-asset, no-income-verification and no-income/no-asset loans allow customers who don’t otherwise qualify to buy houses. These are great programs when used in the right spirit, and they promote low-income-housing goals and emerging-market growth. But they are often stretched to the extremes — by originators, not borrowers.      “We need to take a close look at why we are here and what we are doing,” Fredrick warned.  “We also need to think about the long-term consequences of our actions. Consider a market in which all loan applications require upfront fingerprints (banks use them for check-cashing) and thorough background checks. Other things to consider are individual bonding of originators, notarizing initial loan applications and mortgage insurance for nonprime loans and second liens.”   He added that “enforcement actions, penalties and government sanctions are somewhat effective, but only in deterring people who are not ethically challenged in the first place. We need to educate the originators and borrowers. Stating an income that is not what you actually earn is fraud. Telling the borrower what to state is fraud, too. People not only need to know that what they’re doing is wrong but also what the consequences are. We need zero tolerance in this industry. Make yourself an expert. Read the regulations, take the classes and participate in the associations.”

 

ROBERT J. BRUSS Real Estate Book Review — Inman News 

If you only read one real estate book this year, “The Automatic Millionaire Homeowner,” by David Bach, should be that book. Whether you are a renter considering purchase of your first house or condo, a current homeowner, or a seasoned realty investor, this common-sense book will reinforce what you probably already know even if you resist facing the facts.

The book has two themes: 1) ordinary renters can become millionaires by investing in their first home, and 2) that home can become the foundation for buying a better home and/or investment property in future years.

As the book’s introduction says, “Homeowners get rich and renters stay poor.” Bach then proceeds to build on that simple statement, backing it up with facts and many real-life examples to make the book easy reading, enjoyable, and profitable.

“Nothing you will ever do in your lifetime is likely to make you as much money as buying a home and living in it,” the author emphasizes. In the first chapter, Bach relates the powerful true story of John and Lucy Martin, now retired in Phoenix, who bought their first home and used it to pyramid their way to a better home and even rental property.

After explaining why smart homebuyers finish rich, the author then proceeds to explain how to automatically save for a home down payment. He emphasizes the key is depositing your paycheck directly into your checking account and then automatically having the bank take out a specified monthly amount and putting it into a separate home down payment account. Bach calls this method the “latte factor” and the “double-latte factor” to determine the minimum amount to be saved each day and each month.

To illustrate, he says if you spend $7 a day on a morning latte and nonfat muffin at Starbucks, that’s $210 a month minimum, which can be automatically saved. “If you’re looking for a fast way to save for a home, the bottom line is that it’s all about the small stuff,” Bach advises. Next, while you’re saving for the down payment, Bach suggests looking for a mortgage adviser you can trust. He explains the differences between a direct lender mortgage banker and an independent mortgage broker, who can shop among many lenders to find the best mortgage for your situation. Most important, Bach advises to never pay up-front loan fees and junk lending charges.

The author heavily emphasizes the different types of mortgages available, such as fixed and adjustable, and when each is best. He goes into considerable detail about the pitfalls of adjustable rate mortgages and why they can be dangerous for homeowners. Then he launches into discussing the pros and cons of “interest-only” and “option” mortgages.

Bach says, “The Automatic Millionaire Homeowner is a long-term buyer who plans to live in his house for many years like the Martins did and weather the cycles of a real estate market that goes up and down. This means getting yourself a mortgage that makes sense for the long term. Almost half the book is devoted to obtaining a lender’s written pre-approval letter before beginning to shop for a house or condo. The reason, Bach explains, is your home is your best route to becoming a millionaire and financing is ultra-important. This is one of the few real estate books that cannot be recommended too highly for both beginner and experienced homeowners. It simplifies what can seem complicated. So far, this is the best real estate book of 2006. On my scale of one to 10, it rates an off-the-chart 12. “The Automatic Millionaire Homeowner,” by David Bach (Broadway Books, New York), 2006, $19.95, 244 pages; available in stock or by special order at local bookstores, public libraries, and www.amazon.com.  

 

I know, I know, it is not cool to have a negative outlook on life in general; and particularly on the future of our great economy but sticking your head in the sand is equally uncool, in my humble opinion. Empire of Debt is a good book to read if you want to keep your eyes and ears open.

“Let us take a moment to stand back and gaze at America’s great Empire of Debt. It is the largest edifice of debt ever put up. It sustains the most magnificent world economy ever assembled. It brings more wealth to more people than any system ever before devised.

Not only is it incomparably effective, it is also immeasurably entertaining. For it has its burnished helmets and flying banners; its intellectuals and its gladiators; its Caesars, Antonys, Neros, and Caligulas. It has its temples, its forum, its Capitol, its senators; its praetorian guards; its via Appia; its proconsuls, centurions, and legions all over the world as well as its bread and its circuses in the homeland and its costly wars in periphery areas.

The Roman Empire rested on a classical model of imperial finance. Beneath a complex and nuanced pyramid of relationships was a foundation of tribute formed with the hard rock of brute force. America’s empire of debt, on the other hand, stands not as a solid pyramid of trust, authority, and power relationships, but as a rickety slum of delusion, fraud, and misapprehension.

“My tax guy has been bugging me…You know, real estate is where it is at.” In June 2005, NBC quoted a young woman who had bought a second home at a Colorado resort. According to the report, more than a third of the houses sold in the previous 12 months were not primary residences, but second homes or investments.

Down at the bottom of the pyramid are petty agents spreading deceit and misinformation - such as the aforementioned “tax guy.” You would think a young woman could trust her certified tax advisor to give her sound counsel. Instead, he urges her to get into the most bubbly property market in American history. Naturally, she went for it, aided no doubt by a whole industry of professional dissemblers. Press reports tell us that appraisers routinely stretch valuations to help close a deal. Mortgage lenders know perfectly well the appraisals are lies, but they wink at them with one eye while winking at the borrower’s phony income declaration with the other. Again, according to the press reports, lenders no longer verify income claims. They have gone blind!

In California, house prices have raced so far ahead of incomes that barely one in ten buyers can afford the median house. Yet thanks to “creative finance,” more houses are being sold than ever before. Thus the foundation of the debt pyramid is laid down in a bed of mutual deceit and cupidity, and covered with another level of fabrications. Lenders do not stick around to see how the loans work out. Instead, they pretend the credits are good, and package the mortgages into convenient units so that investors can buy them. The financiers know damned well that many buyers can’t really afford to pay for the houses they buy, but they see no point in mentioning it. Nor do the investors want to know.

They’re in on the scam, too. The smartest of them even have figured out how it works: The Fed holds down short-term rates below the inflation rate so that investors in long-term mortgage financing and buyers of U.S. Treasury obligations can make an easy profit.

Further up the steps of imperial debt are whole legions of analysts, economists, and full-time obfuscators whose role is to make us all believe six impossible things before breakfast and a dozen more before dinner. Quack economists at the Bureau of Labor Statistics do to numbers what guards at Guantanamo did to prisoners. They rough them up so badly, they are ready to say anything. This abuse of statistics is what allows Americans to deceive themselves about their own economy. It is healthy, they say. It is growing. It is stable. All these so-called facts are little more than elaborate prevarications.

Economists, commentators, and policymakers take up these distortions and add their own twists. It is obvious to anyone who bothers to think about it that an economy that spends more than it earns is in decline. But try to find an economist willing to say so! They’ve all become like rich notables in the time of Trajan, doing the emperor’s work whether they are on his payroll or not. They will tell you the economy is expanding, but it is an expansion similar to what happens when a compulsive eater escapes from a fat farm. The longer he is on the loose, the worse off he becomes.

On the issue of the trade deficit, they will say what the senators and consuls want to hear, as Levey and Brown did in Foreign Affairs magazine: “The United States’ current account deficit and foreign debt are not dire threats to its global position, as would-be Cassandras warn. U.S. power is firmly grounded on economic superiority and financial stability that will not end soon.” In fact, the story of international trade, circa 2005, is the most preposterous tale economists have ever heard. One nation buys things that it cannot afford and doesn’t need with money it doesn’t have. Another sells on credit to people who already cannot pay and builds more factories to increase output.

Every level colludes with every other level to keep the flimflam going. On the banks of the Potomac, people of all classes, rank, and station are pleased to believe that all is well. And there, at the Federal Reserve headquarters, is another caste of loyal liars. Alan Greenspan and his fellow connivers not only urge citizens to mortgage their houses, buy SUVs, and commit other acts of wanton recklessness, they also control the nation’s money and make sure that it plays along with the fraud. They do not even have to clip the precious metal out of the imperial coins; there is none in it.

From the center to the furthest garrisons on the periphery, from the lowest rank to the highest - everyone, everywhere willingly, happily, and proudly participates in one of the greatest deceits of all time. At the bottom of the empire are wage slaves squandering borrowed money on imported doodads. The plebes gamble on adjustable rate mortgages (ARMs). The patricians gamble on hedge funds that speculate on huge swaths of mortgage debt. Near the top are Fed economists urging them to do it! And at the very pinnacle is a chief executive, modeled after Augustus, who cuts taxes while increasing spending on bread, circuses, and peripheral wars. (It might be added that some of the biggest lies in the history of warfare were told to the American lumpen public to stir up support for the war against Iraq, but it hardly seems worth mentioning it.)

The spectacle is breathtaking. And endlessly entertaining. We are humbled by the majesty of it. Everywhere we look, we see an exquisite but precarious balance between things that are equally and oppositely absurd. On the one side of the globe - in the Anglo-Saxon countries in general, but the United States in particular - are the consumers. On the other side - principally in Asia - are the producers. One side makes, the other takes. One saves, the other borrows. One produces, the other consumes. This is not the way it was meant to be. When America first stooped to Empire, she was a rising, robust, energetic, innovative young economy. And for the first six decades of her imperium - roughly from 1913 until 1977 - she profited from her competitive position. Every country to which she was able to extend her pax dollarum became a customer. Her businesses made a profit.

But gradually, her commercial advantage faded and her industries aged. The very process of spreading the soft, warmth of her protection over the earth seemed to make it more fertile. Tough, weedy competitors sprouted all over the periphery of the empire - first in Europe, then in Japan, and later, throughout Asia, even are as she had never been able to dominate.

By the early 21st century, the costs of maintaining her role as the world’s only superpower, and its only imperial power, had risen in excess of five percent of her GDP, or $558 billion per year. Not only had she never figured out a good way to charge for providing the world with order, now order was working against her. The periphery economies grew faster. They had newer and better industries. They had higher savings levels and much lower labor rates. They had few of the costs of bread or circuses and none of the costs of policing the empire. They were freer, lighter, faster. Every day, the competitors took more of America’s business, assets, and money. If the empire were an operating business, accountants would say it was losing money.

The empire no longer pays because the entire Western world - including Japan - has lost its competitive edge. Globalization of the pax dollarum era served the United States well after World War II. The global economic system in the pax dollarium era was perfectly balanced. For every credit in Asia, there was an equal and opposite debit in the United States. And for every dollar’s worth of demand from the United States, there was a dollar’s worth of supply already waiting in a container in Hong Kong. But while the imperial finance system was flawless, its perfections were devastating.

For the moment, Americans salute their imperial standards. They gratefully paste the flag to their car windows, their jackets, their hats, their beer mugs, their shirts and even their underwear. Americans are proud of their empire - and should be. Without it, they could never have gotten so far in debt. What central banker would fill his vault with Argentine pesos or Zimbabwe dollars? What drug dealer or arms seller would want Polish zlotys in payment? What insurance company would want to buy Bolivian or Kyrgzstan bonds to cover its long-dated liabilities? The dollar has not been convertible into gold for 34 years.

Yet, people still take it as though it were as good as the yellow metal - only better. Ultimately, lending money to a foreign government is a bet that the government will put the squeeze on its own citizens to make sure you get paid. The United States doesn’t even have to squeeze. When one foreign loan comes due, other foreigners practically line up to refinance it; it is as if they were bringing pastries to an extremely fat man, just to gawk and wonder when he might explode.”

-Bill Bonner The Daily Reckoning