Whether you are searching for a new way to fulfill yourself in your work, in your relationships, or in a whole new way of being in the world in every way – you may be looking from the outside in – searching for ‘things to do’, ‘things to learn’, ‘things to change.’
It still isn’t that common to go fully inside and find out what you truly want to do, how you want to be, what ignites your passion and what fosters your creativity. It is almost guaranteed, especially in this day and age, that if you don’t find out what pulls your interest, rather than what pushes your buttons, you will be less likely to succeed; especially if success for you includes, peace, fulfillment and life expansion.
There is a school of thought that implies we can find out who we are from the outside in, but the truth is, there is no ‘out there’ out there. What we know for sure, we essentially know from within. Everything that is, is within – and we simply act as if it is out there somewhere beyond us.
Penny Peirce is one of the worlds leading experts on intuition and sensitivity. She reports extensively on the fact that we are leaving the Information Age and have entered the Intuition Age. This means that we are opening our capacity to work with our own energy fields and our own frequencies in order to function at a much higher state of awareness than most of us have been capable of before.
I remember decades ago reading research that demonstrated that most highly successful CEO’s and entrepreneurs meditated daily. Most of them did not use that particular word, they said they ‘took a time out’, or ‘rested their eyes’, or just ‘de-stressed’ a bit. When they were observed de-stressing, or resting their eyes, or taking a time-out, their brainwaves showed that they were at least in the alpha brainwave, and sometimes even in theta (where belief change actually happens).
The theta brainwave state is the first brainwave level where we are actually in direct contact with our unconscious and can change our DNA. In alpha you can relax and release stress and tension, and in theta you are accessing brainwave levels where decision-making is based on intuition and deeper knowledge.
Your successful experience of life today will require you to embrace the ability to track information quickly (which happens in alpha and theta, not in the beta brainwave), relax into your higher brainwaves, and extract information from your clearer, intuitive centers, rather than your contracted, limited beta-brainwaves.
Penny Peirce’s book, The Intuitive Way is considered to be the gold-standard for teaching the intuitive development process, as is the classic Intuition Workout by Dr. Nancy Rosanoff. You can consult their books (and many others, such as The Artist’s Way, by Julia Cameron) to get started finding the clarity that you need for heart and mind based decision-making. There is also a significant amount of training to be found on the internet to develop the use of your intuition.
Seth David Chernoff’s book, Manual for Living: Connection, is filled with terrific questions to ask yourself (and some ideas for great answers). The questions Chernoff offers are expansive questions, and if you answer them, much more will be revealed to you in terms of what you truly believe and what you want to change for a better experience in this life.
It is critical to know that you are already intuitive, you already have the innate ability within you and you simply need to uncover it and allow yourself to use that capacity. You can also find a great coach, teacher, or class, or series of books to help you develop and expand this innate capacity.
What you are re-learning to do (you did it naturally as a child), is to move from stress-responses to clear, instantaneous, creative insights from the abundance of information that we all have access to at our higher levels of functioning.
You have had the experience at certain times in your life when you knew exactly what to do, what to say, where to go, where not to go, who to call…and you didn’t know why you knew that – you just did.
You are in connection with all the knowledge you need all the time – you simply block it – until you don’t. You can train yourself to allow access to that knowledge with ease and grace, either with guidance from a professional or by self-training,
So decide, do you want to access your programs for living in fear, struggle and pain, or would you rather replace those programs with clarity, ease and grace? By making the choice to unlock the codes of your intuition, you can enter a state of perceptual aliveness to create your own personal success, and your own personal mastery.
You Were Born to Be Somebody – the amazing person that you truly are – the person you know you are meant to be – and this is the time to unfold into Your Greatness.
Love and blessings, Katie
Dr. Katie Lynne Garnett is the co-founder of The Brave Woman Seminars, a counseling psychologist, personal coach, international corporate consultant for Fortune 500 companies, university professor, Certified One Command Seminar Leader and Practitioner, founder of Unfolding Your Spiritual DNA and author of Finding the Great Creative You.
Dr. Garnett’s study of the phenomenon of quantum physics, paired with her research in the psychology of human behavior, healing, social change and the significance of the theta brainwave and energy shifts in relation to human potentiality, brings her clients the capacity to reprogram their lives as they choose and align with their spiritual mission.
Dr. Katie co-hosts the radio-show Living in the Quantum Field with Asara Lovejoy on Contact Talk Radio. She also hosts the 4th week Wednesday Teleconference each month focusing on the significance of The One Command and the quantum physics of body-mind healing and transformation. You can read her articles in Evolution Ezine and on her sites atwww.bravewomanseminars.blogspot.com and www.thespiritwalk.blogspot.com
Freddie Mac, the taxpayer-owned mortgage giant, has placed multibillion-dollar bets that pay off if homeowners stay trapped in expensive mortgages with interest rates well above current rates. The trades give Freddie a powerful incentive to do the opposite of its charter — to make home loans more accessible — highlighting a conflict of interest at the heart of the company.
Freddie Mac, the taxpayer-owned mortgage giant, has placed multibillion-dollar bets that pay off if homeowners stay trapped in expensive mortgages with interest rates well above current rates.
Freddie began increasing these bets dramatically in late 2010, the same time the company was making it harder for homeowners to get out of such high-interest mortgages.
No evidence has emerged that these decisions were coordinated. The company is a key gatekeeper for home loans but says its traders are "walled off" from the officials who have restricted homeowners from taking advantage of historically low interest rates by imposing higher fees and new rules.
Freddie's charter calls for the company to make home loans more accessible. Its chief executive, Charles Haldeman Jr., recently told Congress his company is "helping financially strapped families reduce their mortgage costs through refinancing their mortgages."
But the trades, uncovered in an investigation by ProPublica and NPR, give Freddie a powerful incentive to do the opposite, highlighting a conflict of interest at the heart of the company.
In addition to being an instrument of government policy dedicated to making home loans more accessible, Freddie also has giant investment portfolios and could lose substantial amounts of money if too many borrowers refinance.
"We were actually shocked they did this," says Scott Simon, who, as the head of the giant bond fund PIMCO's mortgage-backed securities team, is one of the world's biggest mortgage bond traders. "It seemed so out of line with their mission."
The trades "put them squarely against the homeowner," he says.
Those homeowners have a lot at stake. Many of them could cut their interest payments by thousands of dollars a year.
Freddie Mac (short for Federal Home Loan Mortgage Corporation), along with its cousin Fannie Mae (Federal National Mortgage Association), was bailed out in 2008 and is now owned by taxpayers.
The companies play a pivotal role in the mortgage business because they insure most home loans in the United States, making banks likelier to lend. Their rules determine whether homeowners can get loans and on what terms.
The Federal Housing Finance Agency (FHFA) effectively serves as Freddie's board of directors and is ultimately responsible for Freddie's decisions. It is run by acting director Edward DeMarco, who cannot be fired by the president except in extraordinary circumstances.
Freddie repeatedly declined to comment on the specific transactions. Late Monday, the FHFA said that last year it asked Freddie to stop making bets against homeowners. The agency also said that the value of the bets was $5 billion.
In addition, the agency said that it had "identified concerns regarding the controls, including risk management, surrounding the inverse floaters," as the investments at issue are known. The agency did not specify its concerns.
Separately, White House spokesman Jay Carney said in a briefing that the Department of the Treasury was "looking into" Freddie's investments.
Freddie's moves to limit refinancing affect not only individual homeowners but the entire economy. An expansive refinancing program could help millions of homeowners, some economists say.
Such an effort would "help the economy and put tens of billions of dollars back in consumers' pockets, the equivalent of a very long-term tax cut," says economist Christopher Mayer of the Columbia Business School. "It also is likely to reduce foreclosures and benefit the U.S. government" because Freddie and Fannie would have lower losses over the long run.
Freddie Mac's trades, while legal, occurred when the company was supposed to be reducing its investment portfolio, according to the terms of its government takeover agreement. But these trades escalate the risk of its portfolio, because the securities Freddie has purchased are volatile and hard to sell, mortgage-securities experts say.
The financial crisis in 2008 was made worse when Wall Street traders made bets against their customers and the public.
Now, some see similar behavior, only this time by traders at a government-owned company who are using leverage, which increases the potential profits but also the risk of big losses, and other Wall Street stratagems.
"More than three years into the government takeover, we have Freddie Mac pursuing highly levered, complicated transactions seemingly with the purpose of trading against homeowners," says Mayer. "These are the kinds of things that got us into trouble in the first place."
Here's how Freddie Mac's trades profit from homeowners unable to refinance. The mortgage sits in a big pile of other mortgages, most of which are also guaranteed by Freddie and have high interest rates. Those mortgages underpin securities divided into two basic categories.
One portion is backed mainly by principal, pays a low return and was sold to investors who wanted a safe place to park their money.
The other part, the inverse floater, is backed mainly by the interest payments on the mortgages. So this portion of the security can pay a much higher return, and this is what Freddie retained.
In 2010 and 2011, Freddie purchased $3.4 billion worth of inverse floater portions — their value based mostly on interest payments on $19.5 billion in mortgage-backed securities, according to prospectuses. They covered tens of thousands of homeowners. Most of the mortgages backing these transactions have high rates of about 6.5 to 7 percent, according to the deal documents.
Between late 2010 and early 2011, Freddie Mac's purchases of inverse floater securities rose dramatically. Freddie purchased inverse floater portions of 29 deals in 2010 and 2011, with 26 bought between October 2010 and April 2011. That compares with seven for all of 2009 and five in 2008.
In these transactions, Freddie has sold off most of the principal, but it hasn't reduced its risk.
First, if borrowers default, Freddie pays the entire value of the mortgages underpinning the securities, because it insures the loans.
It's also a big problem if homeowners refinance their mortgages. That's because a refi is a new loan; the borrower pays off the first loan early, stopping the interest payments. Since the security Freddie owns is backed mainly by those interest payments, Freddie loses.
And these inverse floaters burden Freddie with entirely new risks. With these deals, Freddie has taken mortgage-backed securities that are easy to sell and traded them for ones that are harder and possibly more expensive to offload, according to mortgage-market experts.
The inverse floaters carry another risk. Freddie gets paid the difference between the high mortgages rates and a key global interest rate that right now is very low. If that rate rises, Freddie's profits will fall.
It is unclear what kinds of hedging, if any, Freddie has done to offset its risks.
At the end of 2011, Freddie's portfolio of mortgages was just over $663 billion, down more than 6 percent from the previous year. But that $43 billion drop in the portfolio overstates the risk reduction, because the company retained risk through the inverse floaters.
The company is well below the cap of $729 billion required by its government takeover agreement.
Once again the S&P/Case-Shiller index has found that home prices are creeping downward. But just how bad is it? As of November 2011, average home prices across the U.S. are back to where they were in 2003 – despite the lowest interest rates in half a century.
Prices in the 20 cities also steepened their year-over-year decline, falling 3.7% compared to 3.4% in October.
"Despite continued low interest rates and better real GDP growth in the fourth quarter, home prices continue to fall," said David Blitzer, chairman of the index committee at S&P.
"The trend is down,” he added, “and there are few, if any, signs in the numbers that a turning point is close at hand."
Some housing economists believe – citing a coming wave of foreclosures once the robo-sigining settlement is signed – a revival in home values will not be seen until 2014 or 2015.
Still, in some markets it is now cheaper to own than to rent.
The Federal Reserve Board issued enforcement actions against four large mortgage servicers--GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation--in April 2011. Under those actions, the four servicers were required to retain independent consultants to review foreclosures that were initiated, pending, or completed during 2009 or 2010. The review is intended to determine if borrowers suffered financial harm directly resulting from errors, misrepresentations, or other deficiencies that may have occurred during the foreclosure process. The servicers are required to compensate borrowers for financial injury resulting from deficiencies in their foreclosure processes.
If you had a mortgage loan on your primary residence and believe you were financially harmed during the mortgage foreclosure process by any of the four servicers in 2009 or 2010, you can request an independent review and potentially receive compensation. The four servicers are required to make the independent reviews available to borrowers as part of their compliance with the April 2011 enforcement actions.
A number of servicers supervised by the Office of the Comptroller of the Currency (OCC) are also required to conduct independent reviews. (See below for the full list of servicers.)
Borrowers are eligible for an independent foreclosure review if
If you previously filed a complaint with these servicers about foreclosures pending during the review period, you may still seek an independent review of your foreclosure.
There are no costs associated with being included in the review; the review is a free program. Beware of anyone who wants payment to assist you in connection with the independent foreclosure review or any other foreclosure assistance program.
Information about the review process, including how to request an independent review, is being provided in mailings to borrowers who may be eligible for a review. Those mailings began November 1, 2011, and should be completed by the end of the year. Assistance and answers to questions about the process and borrower eligibility are available at 888-952-9105, Monday through Friday from 8 a.m. to 10 p.m. (ET), and Saturday from 8 a.m. to 5 p.m. (ET). Individuals can also get more information about the review through a website set up by the servicers,www.IndependentForeclosureReview.com . A list of Frequently Asked Questions and Answersare available on the website.
Individuals will be sent an acknowledgement letter from the review administrator within one week after their request for an independent review is received. Individuals will be notified in writing of the results of the review. Because the review process will be a thorough and complete examination of many details and documents, it could take several months to complete the review.
Rust Consulting was selected and hired by the servicers to serve as the central administrator of the independent foreclosure review. Rust Consulting will notify borrowers, receive requests for a review, and respond to questions about the independent foreclosure review process.
Requests for review by the servicers’ independent consultants must be received by April 30, 2012. Borrowers are encouraged to carefully consider the information about the review program to determine if they are eligible to participate.
The Federal Reserve’s role is to ensure compliance with the enforcement actions issued in April 2011. As required by those actions, independent consultants will conduct the reviews of foreclosures and determine whether errors, misrepresentations, or other deficiencies resulted in financial injury. The Federal Reserve will monitor the independent foreclosure review process and the servicer’s outreach efforts.
Federal Reserve Board announces that borrowers from four mortgage servicers can request an independent review and potentially receive compensation
Interagency Review of Foreclosure Policies and Practices
OCC's Correcting Foreclosure Practices
Definitions
Chaotic Nodes are clusters of chaotic events. According to the Hathors, Earth has entered a Chaotic Node and, as a result, we can expect ever-increasing levels of chaos—including but not limited to earthquakes, volcanic activity, aberrant weather patterns, ecological distress, as well as economic, social and political turmoil.
Transition States of Consciousness are what the Hathors call the in-between places when a major loss has occurred and we find ourselves temporarily poised between an old reality that has passed away and a new reality that has not yet fully formed.
Perceptual markers are a term the Hathors use to describe how we make sense of our world and navigate through our lives using our five senses.
The Message
By their very nature Chaotic Nodes tend to generate transition states of consciousness. Transition states of consciousness emerge when perceptual markers disappear. And when this occurs you enter anull zone in which your old reality no longer exists, or has changed radically, while your new reality has not yet come into existence.
Due to the fact that you have entered an even more intense phase of the Chaotic Node, we wish to share with you our views regarding transition states, in the hopes that you will be able to utilize this knowledge for your own benefit.
For our purposes we can divide transition states into three primary categories: 1) personal transition states, 2) collective transition states and 3) physical death.
Personal Transition States
Let us turn our attention to personal transition states first, for your personal perception is the pivotal point around which your perceived reality operates.
Your perception of reality is fundamentally a personal creation. It is influenced by the collective perception of your culture, time, place and circumstance, but fundamentally your perception of what is real and not real is a creation—your creation.
Your perception of reality depends upon habits of perception, if you are like most persons. You are used to experiencing certain realities in your life and these tell you where you are, so to speak. You wake up in the morning and you look to the clock and the collective perception of time is immediately before you. Your choice to engage this illusion, or not, is a personal one. Indeed, one of the signs of spiritual mastery is the ability to navigate cultural illusions successfully while clearly understanding their nature.
When a situation in your personal life shifts dramatically there is a tendency for the perceptual markers to disappear or re-organize themselves.
Let us present one possible scenario. If you have worked at the same job for many years you have built your life around the demands of this position. You eat lunch at a certain time. You return home at a certain time. You interact with others in specific ways, tailored to fit the demands of your job.
If that job were suddenly removed, unexpectedly, those perceptual markers would disappear. There would be no need to get up at a certain time, eat at a certain time, return home at a certain time, and the people you interacted with for the bulk of your waking hours would no longer be available to you.
This situation is inherently disorienting for most people. Again, the perceptual markers have disappeared.
The same phenomenon occurs when any radical shift in your personal life takes place. If a relationship that is important to you suddenly ends the perceptual markers of that relationship disappear, and you enter the transition state of consciousness.
If you have a health crisis and your physical life is affected in radical ways the perceptual markers disappear, and this can be disorienting. You have entered a transition state of consciousness.
As the Chaotic Node increases in its intensity more and more persons will experience the shock waves of their old reality crumbling before them. What was certain in their lives is now uncertain. What was solid ground is seen to be no longer solid. We mean this both figuratively and literally.
There is another wave of transition states that is emerging from this Chaotic Node. It is already affecting many persons, but its affects will spread out in consciousness much like a tsunami.
This particular transition state has to do with the collapse of the collective lies of your culture. Increasingly more and more of you will see behind the shadow play; you will sense the puppet masters, and although their identities may elude you, you will see with increasing reality that aspects of your culture are a manipulation, a limitation, and in many cases, downright lies.
The lie that we are speaking to here is not the lie of economics, the lie of wars, or the lie of confining religions, but the lie of your identity—a lie that ensures your imprisonment. This lie is the belief and cultural assertion that you are nothing more than a physical human being and that there are, in fact, no other realms of being beyond your earthy experience.
The recognition of this lie is a harbinger of personal freedom, but in its beginning stages it can be quite disorienting. This is because multidimensional experiences are so different from your earthly day-to-day experiences. If you find yourself marooned between your earthly and multidimensional life, you have entered a transition state of consciousness.
Our purpose in sharing this information is to suggest a practical course of action during transition states of consciousness.
When you personally enter a powerful transition state you might, like many human beings, remain stuck in overwhelm. Many individuals find the shock of realizing that their perceptual markers have disappeared, along with the reality that they assumed to be real, deeply disturbing.
Due to the fact that time is accelerating—and by this we mean more events taking place in less time—remaining in a state of shock or overwhelm is a psychological indulgence which you cannot afford. The essential point we wish to convey here is that regardless of the nature of the transition state, whether it is personal in nature having to do with changes in your personal life, or due to recognizing your cultural manipulation—you are the creator of your reality.
You may have stories to explain why suddenly your life is bereft, but these are just stories. You may blame other persons, situations, or institutions for your problem, but this is misplaced responsibility. Your stories may be true and there may be other persons, situations or institutions to blame, but when you have entered a transition state of consciousness, you are at the central vortex of a powerful creative process. There is no reason or need to cry over “spilt milk” as one of your folk sayings goes. What is lost is lost. What is gone is gone.
Now the central question becomes, “What will you do?”
Will you remain stunned, in shock, in overwhelm, anger and sadness? Or will you step into your identity as a creator of your life?
To those of you who choose to remain in lower states of consciousness, we have no comment.
Our comments are for those of you courageous enough and bold enough to step into your identity as creators. If you are one of these, here is what we suggest.
When everything disappears, meaning the perceptual markers of your former reality, understand that you have entered into a void point.
A void point is a critical transition between an old reality and a new one. That which was, has ended. Instead of regretting the loss, you accept the void. This is, for many persons, a challenging undertaking, because in the void point there is nothing that can be done. You must simply be a witness to it, and to yourself, for in this no-man’s land there are no perceptual markers.
Be careful what new markers you put into place, for these ideas and beliefs will be the stars in the new sky of your mind, and you shall navigate your way into these new times by the stars (thoughts and beliefs) that you have placed in the heavens of your own consciousness. So be wise when you go about creating new stars, our fellow navigators of the Mystery.
Collective Transition States of Consciousness
The human collective, from our perspective, is currently like an immense cosmic serpent shedding its old skin, writhing and twisting, scraping off old encumbrances. Some of these take the form of economic turmoil. Some of them are political in nature. Some of them are the collapse and transformation of cultural institutions. And some of these writhings and twistings are related to earthquake and volcanic activity, as well as aberrant weather patterns.
As natural and manmade disasters increase, more and more of you will find yourselves entering transition states of consciousness. Obviously those who experience an earthquake, volcano or destructive weather directly are the most prone to enter transition states, but those of you who are empathic in nature can experience the brunt of a natural or manmade disaster as if you were physically present.
Indeed as the veil that separates human consciousnesses from one another dissolves, more and more of you will experience the changes taking place in the world at a visceral level.
We now wish to address the question of a new creation for those of you who may find yourself in the aftermath of a natural or manmade disaster, such as an earthquake, a volcanic eruption, or destructive weather patterns.
If the destructive force is strong enough, the perceptual markers of your former reality may no longer exist. Your home or place of business may no longer be there. You may find yourself dealing with shortages of food and water, and there are any number of variables that can come together to create a state of shock and overwhelm.
We wish to be very clear in what we are about to say. Shock and overwhelm in the face of disasters are a natural mammalian response, and if you are to transcend and transform the moment you must reach upward to higher dimensions of your own existence, your own being, to those realms of consciousness that are beyond time and space.
To the extent that you are able to incorporate the transcendent aspects of your being as part of the equation for your survival, you will be able to mitigate the shock and overwhelm.
The central feature that needs to be identified in the midst of chaos, any form of chaos, is the portal of opportunity.
This opportunity for survival or for a new life may present itself in ways you do not expect. This is because the perceptual markers are no longer in place and your consciousness may not recognize an opportunity when it presents itself.
There is a deep-seated human habit, or tendency, that wishes to conform new realities to those of the past. This would be an unfortunate habit to engage in these situations.
There is much we could say about the hyper-dimensional realities involved in choice making during chaotic events, but we wish to “cut to the chase” and give that which will be most practical. Perhaps some other time we can share with you our philosophical musings about your infinite nature and the infinite possibilities that reside within you. However, for now, let us be a little simplistic and give you a formula to recognize and create opportunities for new life and a new destiny when they present themselves to you.
Assuming that you have entered a transition state of consciousness and that you have befriended the void point and are more or less comfortable with the great uncertainty of your situation, this is what we suggest.
Be curious and expect miracles.
By entering a state of curiosity you engage an aspect of your mind that is free to move unfettered by expectation. It becomes very much like the mind of a child, and it is this innocence—which is not the same as childishness—that allows you to enter a vibratory state of consciousness, which greatly benefits you.
By holding the expectation of miracles you release the power of creation within you, and to the extent that you accomplish this you will find increasing incidences of serendipity, coincidences of benefit and unexpected treasures, whether they be physical in nature or mental and emotional.
This combination of curiosity about what will happen next joined with an expectation of miracles will move you rapidly from the void point to a new life, a new creation, regardless of what might be happening for those around you.
During collective transition states of consciousness it is helpful to remember that each person is the creator of his or her own reality, and in the midst of chaos people will make different choices and enter different personal realities.
Do not be swayed by those who enter lower vibratory realms. You cannot save them from themselves. Look upward and live upward with curiosity and an expectation of miracles, and even in the gravest of situations miracles can, and will, occur for you.
Physical Death
One of the greatest difficulties for embodied beings is the transition state of consciousness you call death. This is due to the fact that all perceptual markers, including the five senses, disappear. If a person identifies solely with his/her material existence, he or she will find this transition state to be most difficult. This is because what she or he identified with no longer exists.
Although the physical world continues on, there is no input into consciousness from the five senses. It is as if the world has vanished and the body along with it. The great I Am, the central feature of transcendent consciousness, no longer receives information from the body, the five senses, or the external world. This can be deeply disturbing and disorienting for someone who has not directly experienced the other realms of his or her being.
Metaphorically speaking, you are like a vast tree, a Tree of Life, with many branches and many, many leaves and blossoms, and your current physical existence is just one of these leaves and one of these blossoms.
When a person passes through the transition state of consciousness you call death there are several options. If you are in a spiritual tradition the central figure of which is a guru, avatar or savior, you can follow the path of this being into the vibratory realm of his/her consciousness. In some religions this is known as heaven.
If you follow the path of a guru, avatar or savior understand that you are entering into his/her heaven, her/his vibratory attainment, and by necessity you enter also into his/her limitations in consciousness.
From our perspective the universe is infinite in nature, and by this we refer not to external space but to the interdimensional realities of your universe, and there is no single being in existence, from our experience, who understands and embraces all that is.
If, however, you wish to join your guru/avatar/savior in the death realms we have a few suggestions. One is to mentally call upon his/her name. This is an ancient understanding encapsulated in the Egyptian term Ren, meaning name. When you call upon the name of a spiritual being an aspect of him/her is compelled to move toward you.
If, in that moment of encountering your guru/avatar/savior, he or she deems you worthy, you will be taken by him/her into his/her heavenly realm.
For those of you in eastern spiritual traditions there are mantras connected with specified deities. Chanting these mantras mentally during death, or in the death realms, has the same effect.
For those of you who are not part of a spiritual tradition that follows a guru, avatar or savior, then the transition state of consciousness called death offers other possibilities.
As with the other two transition states of consciousness, the death realm has a void point, and its dominant features are stillness (silence) and darkness. All possibilities exist within the Void, but no actuality is in existence. It is like the acorn of an oak tree. The oak, the giant tree itself, is potentially within the acorn, but it does not yet exist.
So when you find yourself in the Void, which you will recognize by the fact that you are utterly alone in darkness and utter stillness, know that you are in the central nexus of your creative powers.
What you choose to create next will determine the course of your destiny and what worlds you will inhabit or realms of existence you will reside in. This is a critical juncture.
Many persons frightened by the darkness move to the light prematurely. And what they do not realize is that in their yearning they create the light. A portal opens before them, like a tunnel, and they can move into this tunnel of light, encountering those they have known before, thereby entering back into embodiment or other vibratory realms of existence without having fully understood the consequences. This is certainly one option open to you, and one that is often taken.
Another option, however, is to remain at the void point, residing in the Void itself, becoming aware of your Self as pure consciousness—transcendent to all phenomena.
If you reside in this state of awareness long enough without the need to create something, you will discover your identity as the great I Am. And from this point of awareness you can choose the circumstances of your embodiment. You can choose the worlds you will inhabit or the realms of consciousness where you will reside.
This latter method gives you the greatest opportunities, though it is the most difficult for most people. And the reason for this difficulty has to do with the fact that most humans find it uncomfortable to not have a body. The yearning for a body and the experience of the material world often draws a person from the Void prematurely.
In summation, due to the intensifying phases of the Chaotic Node many of you will find yourselves in transitional states of consciousness. Regardless of what level you find yourself engaged in, whether it be your personal life, the collective experience, or the transition state you call death, know that you are the creator of your reality.
The Hathors
April 20, 2011
I personally find this message to be stunningly eloquent and a vast storehouse of information. I have read and re-read this message several times, and each time I discover something new. There is, indeed, much to be read between the lines in this communication.
I especially liked the Hathors’ statement…
“Be careful what new (perceptual) markers you put into place, for these ideas and beliefs will be the stars in the new sky of your mind, and you shall navigate your way into these new times by the stars (thoughts and beliefs) that you have placed in the heavens of your own consciousness. So be wise when you go about creating new stars, our fellow navigators of the mystery.”
At the level of our collective mind, I think our mythic realities are changing. The old stars, those thoughts, beliefs and presuppositions about reality that have guided us as a culture for millennia seem now to be dimming, not to mention that they have led us in directions many of us no longer wish to go.
The collective ship of our culture seems to be plying through the waters of the Great Mystery with little regard for the sacredness of this planet or life upon it. But even as our collective vessel sails through the Great Mystery, seemingly without awareness, it (the ship) and we owe our very existence to the Mystery itself. This very odd duality seems, to me, either amusing or tragic, depending upon what mood I am in, and how connected I am or disconnected I have become from the Mystery itself.
One of the ironies of our situation is that the crew of this vessel, those who make it sail, through an investment of their life-force, creativity and, in some cases, blood sweat and tears, are no less than you and me, and all the other nearly seven billion humans alive on this exquisite planet. We are—all of us—crewing this vessel, regardless of our personal situation, our life station or our beliefs.
There are those in the New Age community who say, and have been saying for years now, that we are near Unity, and that the Golden Age is just around the corner. I do not share this perception.
We are all in the same boat together, whether we like it or not, and it seems to me that our crew is polarized. There are many who insist that the paradigms of greed, arrogance and usurpation are the true reference points for our sextants.
Others of us, however, are sensing that we are headed in the wrong direction—that we can no longer ravage this planet and its life (both human and other-than-human). For us, there are new stars in the sky of our minds. And we are setting our sextants clearly upon these cosmic beacons.
How it will all turn out is anybody’s guess. But I am encouraged by a silent mutiny I see happening all around me.
Many of us crew members, and I suspect that if you have read this far you may be one of them, are silently taking action to turn our collective vessel (i.e. our cultural madness) around or at least slow it down.
Some of us are pulling out our sextants and are pointing out new stars to those around us. We do this by living the change we wish to see. We do this by having the courage to live by a new Earth-reality that we sense is possible. We do this by extending kindness to each other.
And when necessary, we do this by standing our ground. I am reminded in this of a grass roots movement in some of the world’s poorest countries to preserve the use of non-hybrid seeds—seeds that produce new seeds when crops are harvested—rather than succumb to international economic interests that would enslave the poorest of the Earth to buy new seeds whenever they wish to feed themselves and their families.
As I write this, I am nearly weeping at their courage to stand up against the Titans that have set the course for our collective vessel through greed, arrogance and an utter disregard for the sanctity of life.
As difficult and as challenging as these times are both for individuals and the collective, I think there is hope in the uncertainty that we are facing. I say this because the human spirit has sometimes risen to heights when faced with dire uncertain times.
If the Hathors are correct, all of us will face numerous transition states of consciousness before our time on Earth has ended. The perceptual markers of our old reality are being displaced. How we deal with the loss of our perceived reality and the old world will determine the next cycle of Earthly existence for humanity.
And for us individually, what we choose to create in the transition states of our lives will determine the realms of consciousness that are opened to us.
I wish you, my fellow crew members and those whom you love, safe passage through these turbulent times. But regardless of what happens, regardless of where and in what situations we find ourselves upon this perilous journey, let us remember that we are—above all else—creators of our own reality.
There are new stars in the sky and new worlds to discover. Be bold. And have a good journey.
© 2011 Tom Kenyon. All rights reserved.You may make copies of this message and distribute in any media as long as you change nothing, credit the author, and include this copyright notice and the web address – http://tomkenyon.com/.
Who are the Hathors?
at www.tomkenyon.com/ Tom Kenyan writes…
The Hathors say that they are a group of interdimensional, intergalactic beings who were connected with ancient Egypt through the Temples of the Goddess Hathor, as well as several other pre-history cultures.In the late 1980's, I was “contacted” by them during meditation, and they began to instruct me in the vibratory nature of the cosmos, the use of sacred geometry as a means to stimulate brain performance, and in the use of sound to activate psycho-spiritual experiences. While I was intrigued with the information, I was, at the time, uncomfortable with their self-described origins. I was, after all a practicing psychotherapist and involved in brain research at the time. In short, I was a rationalist. And these beings—whoever they were and wherever they came from—did not fit into my views of reality at the time.
In the nearly twenty years since first-contact, I have tried and tested their “inner technologies” many times, and have always found both their methods and their perspectives illuminating.
He may be green and funny looking, but Yoda was wise beyond his 900 years…
Yoda was a fictional character from the Star Wars movies. He first appears in The Empire Strikes Back as a Jedi Master, and trains Luke Skywalker in the ways of the Jedi.
Yoda possessed a great knowledge in how to use ‘the Force’. He was capable of great acts of telekinesis, clairvoyance and could tap into his intuition at will…
…and he loved to share his wisdom via yoda speak. Here are 10 of his best quotes and sayings -
“Size matters not. Look at me. Judge me by my size, do you? Hmm? Hmm. And well you should not. For my ally is the Force, and a powerful ally it is. Life creates it, makes it grow. Its energy surrounds us and binds us. Luminous beings are we, not this crude matter. You must feel the Force around you; here, between you, me, the tree, the rock, everywhere, yes. Even between the land and the ship.”
“Fear is the path to the dark side. Fear leads to anger. Anger leads to hate. Hate leads to suffering.”
“Always in motion is the future.”
“Death is a natural part of life. Rejoice for those around you who transform into the Force. Mourn them do not. Miss them do not. Attachment leads to jealously. The shadow of greed, that is.”
[Luke:] I can’t believe it. [Yoda:] That is why you fail.
“Do or do not… there is no try.”
“a Jedi’s strength flows from the Force. But beware of the dark side. Anger, fear, aggression; the dark side of the Force are they. Easily they flow, quick to join you in a fight. If once you start down the dark path, forever will it dominate your destiny, consume you it will, as it did Obi-Wan’s apprentice.”
“Ohhh. Great warrior. Wars not make one great.”
“A Jedi must have the deepest commitment, the most serious mind. This one a long time have I watched. All his life has he looked away… to the future, to the horizon. Never his mind on where he was. Hmm? What he was doing. Hmph. Adventure. Heh. Excitement. Heh. A Jedi craves not these things. You are reckless.”
“When 900 years you reach, look as good, you will not.”
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The power that creates the body, heals the body. Dr. Joe Dispenza
Some of the greatest information about our capacity to heal, our DNA programming, the science of epigenetics and the mastery of choice, has come from scientists like Dr. Joe Dispenza, Evolve Your Brain, Dr. Bruce Lipton, The Biology of Belief, Dr. Candace Pert, The Molecules of Emotion, Gregg Braden, The Science of Miracles, and science writers like Lynne McTaggart in her new book, The Bond.
Here’s what you can know for sure:
1. We know from quantum physics that words are energy and that the words you speak can actually change your DNA.
2. We are all holographic entities. There are brain cells throughout the body and anything you think or experience in one part of your body-mind, is instantly thought and understood in all areas of your body.
3. When you focus on what you want and focus your positive intention, especially with The One Command in theta, you open receptors to joy and close your receptors to pain.
4. Your life choices may be based on your past history, and when you decide to choose from your current awareness, your choices will be based on what you want instead.
5. You are able to connect directly with your subconscious mind in the unified field, and communicate how you intend your life to be now. You are able to collapse the field of probabilities in this moment and create what you consciously want.
6. You create out of your subconscious by sending thoughts, which become biochemical messages, to your DNA. Through this process you form a new normal for yourself and create a new blueprint for your health.
Therefore you can:
1. Get clear on what you have in terms of your health
2. Choose the state of health you desire
3. Create that state by using the 6-steps and The One Command
4. Acknowledge and accept your new blueprint for wellness.
5. Celebrate your new state of wellness
6. Commit to keeping your mental focus on health
Sometimes, once we make a change and have a success, we allow ourselves to fall back into old limiting beliefs because we re-create them and reinforce them.
At one time, I was coaching an individual who wanted desperately to change her attitude toward her body. She had tied herself to other people’s views of what she looked like and what she was capable of accomplishing in her life.
I taught her the relevant information from quantum physics on how self-healing works in our biochemistry, she did One Commands to change her DNA programs and her DNA blueprint.
When she had done the work to create new neurobiological patterns in her body-mind, she committed to learn how to focus on and support the new view she held of herself and completely release what she thought about herself before.
Creating a new you is a profound opportunity to show up in the world in an entirely new way and hold those shifts in beliefs and behavior. Offering yourself support to maintain your positive changes can include having a friend or a trusted professional to help you.
Learning to be your own touchstone for success, to trust and belief in yourself, is the most important gift you will ever offer yourself.You can achieve the 6 steps listed above by using various approaches including the simple and powerful One Command and transform your life to what you have always wanted it to be.
Here are several sample One Commands to support your transformation – just close your eyes, ground your energy, align with Source, go to the theta brainwave and say these words in your head – once said, let your thoughts go to the expansion of all possibility and then know that your actual DNA has changed.
I don’t know how I trust myself to allow my body to accept a whole new blueprint of health, wellness and inner peace I only know I do so now and I am fulfilled!
I don’t know how I embrace my original perfect blueprint of health, wellness, and inner peace, I only know I do now, and I am fulfilled.
I don’t know how I love myself and love my new way of being in the world, I only know I do now, and I am fulfilled.
Each of us has the capacity to re-assess what we want in our lives and how we want to be. We have the capacity to find out what we want instead and then change our DNA programs. We have always known that we have the capacity to change, deep down and intuitively, and now we have the science, quantum physics that demonstrates to us that this believed actuality is a scientific reality.
Each of us has the capacity to choose what method we will use to enable ourselves to change our DNA program, and they will all include at least going to theta, and they will all include being consistent. So follow your preference as to how to affect change, support yourself in your transformation and allow yourself to accept the support of your ‘transformation buddy’ that friend who loves you unconditionally.
Love and Blessings, Dr. Katie Garnett
Dr. Katie Lynne Garnett is a counseling psychologist, co-founder of Behavioral DNA Programs, co-founder of Programs for Awakening, Certified One Command Seminar Leader and Health & Wellness Coach and published author. Her professional work includes coaching, counseling, university teaching in the areas of psychology and energy-healing techniques,
Dr. Garnett’s study of the phenomenon of quantum physics, paired with her research in the psychology of human behavior, healing, social change and the significance of The One Command in relation to human potentiality, brings her clients the capacity to reprogram their lives as they choose and align with their spiritual mission.
Dr. Katie co-hosts the radio-show Living in the Quantum Field with Asara Lovejoy on contacttalkradio. She also hosts the 4th week Wednesday Teleconference each month focusing on the significance of The One Command and the quantum physics of body-mind healing and transformation. You can read her monthly articles in Evolution Ezine.
California and other states are likely to see an enormous wave of long-delayed foreclosure action in the coming year as banks deal more aggressively with 3.5 million seriously delinquent mortgages.And experts said that dealing with the foreclosure process, from issuing notices of default to selling repossessed homes, is likely to push housing prices lower this year before the real estate market has a chance to recover.A report from RealtyTrac, an Irvine data firm, said about 1.9 million U.S. homes were hit with default notices, foreclosures and other actions last year. That is down from 2.9 million in 2010. Seriously delinquent loans are defined as being four months in arrears."There were strong signs in the second half of 2011 that lenders are finally beginning to push through some of the delayed foreclosures in select local markets," said Brandon Moore, chief executive of RealtyTrac. "We expect that trend to continue this year."The real estate market was in "full delay mode" last year on foreclosures as banks worked to correct legal problems with procedures in many states, Moore said.In California, 3.2% of homes logged at least one foreclosure filing last year, down from 4.1% a year earlier. But regional differences continued: 2.7% received notices in Los Angeles County and 2.5% in Orange County, compared with nearly 5% in San Bernardino County and 5.3% in Riverside County.California saw a second-half surge in initial notices of default — the first warnings that a bank is preparing to seize properties with delinquent mortgages, said RealtyTrac spokesman Daren Blomquist.Though many more foreclosures are expected this year, the number still will be below the peak of 2010, Blomquist said.Connie Der Torossian, co-president of the Orange County Home Ownership Preservation Cooperative, a nonprofit housing counseling agency, said the distressed homeowners she helps are getting loan modifications or sales dates from banks far faster than in the past. The days of troubled borrowers spending two years in foreclosure limbo are at an end, she said."We're not seeing people have to wait six or seven months to get an answer," she said. "It's more like six or seven weeks."Worried that the foreclosure flood could further undermine the housing markets, the Federal Reserve urged Congress recently to do more for troubled homeowners.Some Fed officials have been advocating reducing the loan principal more often for underwater borrowers, those whose homes are worth less than their mortgages. The central bank also has been urging mortgage giants Fannie Mae and Freddie Mac, kept alive by three years of taxpayer bailouts, to unload their backlogs of foreclosed properties in bulk discount sales to investors who would then rent out the properties.That process, which Fannie and Freddie officials said is under study, could help stabilize the housing markets. However, in the short term it would increase taxpayers' tab for propping up the government-sponsored housing finance firms, which already has reached about $150 billion.Central bankers have tried to resuscitate the economy by keeping interest rates at record low levels. Celia Chen, a housing economist at Moody's Analytics, said the Fed is now taking additional steps because the economy remains fragile and could tip back into recession.However, Chen believes housing is "poised for better days" after the backlog of foreclosures is cleared away. She said housing is now undervalued, with prices compared to incomes well below the average over the last 20 to 30 years.RealtyTrac reported a dip in foreclosure filings in December, but Chen said that appeared to be only a holiday hiatus by banks. She projected that home prices will trend slightly lower as the distress sales take place but will bottom out this year in California and the rest of the nation.After that, Chen said, the improving economy could put the housing recovery in "full swing," driving prices up nationally more than 5% in 2013 and 7% in 2014.California home prices probably will track the national trend and hit bottom during the middle of this year, she said. However, prices will probably recover at a slower pace than much of the country because housing and unemployment problems run so deep in the Golden State.The state's difficulties were reflected in RealtyTrac's report, which showed California with the third-highest incidence of foreclosure filings in 2011, behind only Nevada and Arizona.However, analysts also said they expect housing in California to stabilize more quickly than in many states. The reason: a speedy foreclosure process that normally takes place without court action and is one of the most streamlined in the nation.RealtyTrac said the average foreclosure took 352 days last year in California, down from a peak of 363 in 2010. By contrast, the foreclosure timeline was 806 days in Florida and 1,019 days in New York, both of which require extensive court review of foreclosures.
Attention Wells Fargo and Wachovia customers
Save the date
Are you a Wells Fargo or Wachovia mortgage customer facing mortgage
payment challenges? If so, we invite you to get the answers you need at a
free workshop being held right in your community.
Get answers to your questions
Learn about options that may help you
overcome payment challenges
Understand how you may be able to keep
your home and avoid foreclosure
Find out ways to help you get back on track
Connect with helpful resources such as
housing counselors and learn about online
tools available to yo
You’ll personally meet with a Wells Fargo representative who will
confidentially discuss your financial concerns and options. Plus, you
get the opportunity to see if you’re eligible for a loan modification under
the government’s Home Affordable Modification Program.
Ontario Convention Center
2000 East Convention Center Way
Ontario, CA 91764
February 14 & 15, 2012
9AM - 7P
For more information, call 1-800-405-8067
Freddie Mac Now Permits Up To 12 Months Forbearance To Unemployed Borrowers
MCLEAN, Va., Jan. 6, 2012 /PRNewswire/ -- Freddie Mac (OTC: FMCC) today announced it is giving mortgage servicers expanded authority to provide six months of forbearance to unemployed borrowers without Freddie Mac's prior approval and up to an additional six months with prior approval. This means unemployed borrowers may be eligible for up to 12 months of forbearance. Freddie Mac's forbearance options are being expanded at the direction of the Federal Housing Finance Agency and will take effect on February 1, 2012.
News Facts:
· Mortgage servicers can now approve unemployed borrowers with Freddie Mac owned- or guaranteed-loans for six months of forbearance without prior approval from Freddie Mac.
· Servicers can extend the forbearance period up to an additional six months with prior Freddie Mac approval, giving eligible unemployed borrowers with Freddie Mac owned- or guaranteed-mortgages up to one year of forbearance.
· The expanded forbearance options will take effect on February 1, 2012.
· Delinquent borrowers in an existing short term forbearance plan can be evaluated for an extended forbearance under the new policy.
· Previously Freddie Mac allowed servicers to grant up to three months of forbearance with no payment and without prior approval, or six months at a reduced payment with prior approval. Longer forbearance required prior approval and was generally restricted to events such as natural disasters, permanent disability or long-term medical emergencies.
· According to the latest statistics, nearly 10 percent of delinquencies on Freddie Mac mortgages were tied to unemployment.
Quote:
Attribute to Tracy Mooney, Senior Vice President, Single-Family Servicing and REO, Freddie Mac:
"These expanded forbearance periods will provide families facing prolonged periods of unemployment with a greater measure of security by giving them more time to find new employment and resolve their delinquencies. We believe this will put more families back on track to successful long-term homeownership."
Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation's residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Over the years, Freddie Mac has made home possible for one in six homebuyers and more than five million renters. For more information, visitwww.FreddieMac.com