Berk Akman works at KrediHavuzu.com, leading online mortgage (konut, ev kredileri başvurusu) broker of Türkiye dedicated in providing interest rate, fee information and various advanced mortgage calculators (e.g., banka kredi masraflarını hesaplama ve karşılaştırma ).
Posts Tagged ‘Predictions’
Nostradamus Predictions The Lost Books of Nostradamus 2012 and Ophiuchus Part 2 of 3.avi
Nostradamus Predictions The Lost Books of Nostradamus 2012 and Ophiuchus Part 2 of 3
End Of Times Predictions
from you, that will come and rescue you from your life, your existence, yourself, your perceived sins. God is not going to “make people go to hell”. What kind of loving God would actually make people go to hell? If all one does is worship money, control or power they WILL likely end up in their own hell. This will be their own doing (or undoing) though. It will not be something that is done TO them. … 21 12 20122012 nostradamus end of ze world prediction 2012 predictions prophecies …
Predictions on the Mortgage Market (konut Kredisi Pazarı) in Turkey
Size of the Turkish Mortgage Market
The Turkish mortgage market has shown promising growth in the last few years. While the existing mortgage loans had a share of only 0.6 percent of the GDP in 2004, the share jumped to 2.6 percent in 2005, and then to 4 percent in 2006. Currently the existing mortgage loans are about 31 billion YTL, which is about 5 percent of GDP.
These statistics clearly show that mortgage market has been growing faster than the rest of the economy. As described below we expect that it will likely to continue this trend in the near future too. The rapid growth has been fueled by primarily by economic factors such as falling interest rates and improving economic stability but also by characteristic factors for Turkey such as solid population growth and strong ownership culture.
For 2008 we anticipate that the fast growth in the mortgage market will continue amid the continued decrease in the interest rates. Assuming that inflation will move towards targeted 4 percent and Turkeyâs macroeconomic indicators will not get weaker in 2008, we expect that the interest rates will continue to fall in 2008. In addition, when the secondary mortgage market starts, capital markets will start to share the risk of mortgages and the cost of getting a mortgage loan will likely decrease further.
Based on these conjectures, we anticipate that the annualized growth in the mortgage market in the beginning of 2008 will average about 40 percent and then will accelerate to about 50 percent as long run interest rates decrease to 1 percent in the second half of 2008. Based on these predictions, we find that by the end of 2008, the mortgage loans will be about 47 billion YTL, making about 6.5 percent of the GDP then.
Looking even further, based on the assumption of continued decrease in the interest rates, and recently announced plan of inflation falling to 4 percent as planned in 2008, 2009, and 2010, our models predict that by end of 2012 the mortgage loans can be as large as 15 to 18 percent of the GDP.
Letâs also note that we believe that there two major risks to our forecasts for 2008: The first is a turmoil in the global economy and especially worldâs financial markets driven by a recession in the USA. The second one is a domestic financial crisis probably caused by a current account imbalance. In either case, it would be very hard to predict the growth of the mortgage market for 2008.
Predictions on the Structure of the Mortgage Market
We believe that in 2008, the Turkish mortgage market structure will start to see several important changes:
1) Increase in refinance activity: Currently the majority of the new mortgage agreements are issuances of new mortgages and refinancing of mortgages does not take a large share in the market, however, we believe that starting in 2008, the refinancing will start to take a significant share in the market amid the decreasing interest rates. If the interest rates continue to decrease, the share of refinance activity can be even more than half of the total mortgage applications in a very short time.
2) Variable rate mortgages: Currently 99.9 percent of all mortgages are fixed rate mortgages. This is not surprising as variable rate instruments are very new in Turkey and the risk and benefits of these new instruments are not very understood yet. In addition, the very large movements in the interest rates and exchange rates in early 2000s and accompanying bankruptcies are still fresh in the memories of Turkish people and created a crisis-awaiting culture. However, we believe that the advantages of the variable rate mortgages will start to draw more people and its share will start to increase slowly in 2008. But for this, banks should reduce the interest rates of the variable rate mortgages, which did not happen so far because of the lack of competition in this type of products. We anticipate that as the competition among mortgage lenders increase, we will start to see more favorable variable rate mortgage instruments soon.
3) Lending institutions: Currently all mortgages are offered by banks; however, in 2008 consumer funding companies that are allowed to invest in capital markets to create funds for the home loans will start to offer mortgages. These new lenders will start to change the market structure as they may be less structured and flexible than the banks.
4) Secondary mortgage market: Secondary mortgage market is expected to start in 2008. We expect that at the beginning, the secondary market will be experimental without causing a significant immediate change in the interest rates, however, as the market matures, it will be one of the most important pillars of the mortgage market. It is hard to predict the role of the secondary market right now, but it is worth noting that secondary mortgage markets tend to play an important role in a few years after it started. For example, in the USA, mortgages trades in the secondary market started in 1970, and in 1972 it represented 4 percent of the total mortgage debt, the share increased to 9 percent in 1979, and then to 16 percent in 1982. In order to see comparable growth in the Turkish secondary mortgage market, corporations such as Freddie Mac should be founded, otherwise, the growth will be much slower.
The benefits of the securitization are reduced interest rates for the borrower, increase in the credit availability, liquidity increase for the lenders, and increased efficiency in the mortgage markets.
When mortgage markets merge with the capital markets through securitized mortgage loans, the market interest rates will quickly impact the mortgage interest rates.
Briefly, we expect that in 2008, growth of the mortgage market will continue its pace and in addition it will continue going through important structural changes that will cause even more growth in the coming years.
Predictions for 2012 Presidential Politics
I am setting the stage by making these early predictions for the next presidential election in 2012. For anyone who would dare to dispute my assertions, please send me a quarter once my predictions become real and I am vindicated. It’s all about Hillary by default!
It’s sometimes between May and July 2012. Campaigning is at full swing. There are speculation all over about this and that. The President of the United States, Barack Obama is seeking a second term in office, however; the rumor mill is swinging. Rumors leaked directly from the Vice President Joe Biden’s office intended to test the reaction of the American People.
Rumors that the Vice President of the United States is withdrawing his name from further consideration on the ticket which, according to the experts; is certain to win re-election in a landslide against the party of “NO”.
How can this be? What is the problem or what could be the problem? The economy is sound. Banks are doing well by lending and financing small businesses again. Wall Street is on a streak of sound investments and investors are dancing in the street. War – what war? The Nation has moved on from the debacle of 2000-2008 and prosperity is in the land. The Taliban has surrendered and the remnants were driven out of Afghanistan by locals. Iran has recognized the right of the Israelis to live in perfect harmony with their neighbors and ambassadors were exchanged between North Korea and South Korea. Cuba is no longer a pariah. Blacks are getting along with Whites and all things being equal, Whites are reciprocating and extending an olive branch to our amigos from South of the Border. It’s time to get along. The Barackometer is now at its highest point.
Amidst all this, why is Vice President Biden not in the race for re-election? The last time, perhaps the only time in U.S history a sitting Vice President refused to run, it was because he and his under-study president had destroyed the goodwill towards all men and took peace for granted. So, the heir apparent to the throne in 2008 could not bring himself to running for the same land he had pillaged for 8 years. No, he couldn’t face over 300 million Americans and ask for another four years of rubbish-filled leadership. He disappeared to his usual undisclosed location. Now, Vice President Biden is bowing out. This is an oxy. It should not happen this way. He must be excited to run on the records of Obama-Biden for the next four years. Vice President Biden must be mistaken!
While accepting Mr. Biden’s resignation, the President responded with praise and understanding of his desire to withdraw from the upcoming election. President Obama in his speech informed the nation that he accepted Mr. Biden’s withdrawal with great understanding and expressed his thanks and gratitude for a magnificent four years. To the chagrined of those present, the President never took a single question from reporters but offered another news conference in the next few days. A week later, at a weekly briefing, the president appears unannounced inside the Rose Garden to nominate the Nations New Vice President. Any surprise here? Ladies and Gentlemen, it is with great excitement that I nominate Secretary of State, Hillary Rodham Clinton as my Vice President for upcoming election……To Be Continued
I received my Bachelors of Science in Criminal Justice from two Universities in Buffalo and Chicago. I completed 80% of my Masters, but refused to finish it off. I am a military veteran, father of 4 and happily married. I currently live in Atlanta, GA. and I have owned and operated my growing business since 2000.
Recently, I started work on a Re-Entry Project for Ex-Offenders schedule to open in 2010 after completion of my required paperwork on 501c3.
Nostradamus End of World Theories – Are Nostradamus’ Predictions Coming True?
Throughout the years, many people have predicted the end of the world, but perhaps the most notorious of these future seers is Nostradamus. Few psychics have had the degree of success at making predictions that we’ve seen from Nostradamus. He lived from 1503 to 1566 and historians and observers believe that approximately fifty percent of his predictions have already come true.
Some of the most famous predictions that have come true are predictions about World War I and World War II, Hitler, Napoleon, and the atomic destruction of Hiroshima and Nagasaki. The current interest in the Nostradamus end of world predictions revolve around his predictions for massive unrest and trouble in the time between 2009 and 2012. When you combine this with the idea of the December 21, 2012 end-date of the Mayan Long Count Calendar, things become interesting indeed.
In addition to this unrest, some believe that Nostradamus also predicted President Obama taking office.
Nostradamus’ predictions are quite remarkable, especially given that the events and technology that he was seeing were hundreds of years more advanced than those of his time. Imagine how confusing that must have been to him!
The problem with thinking that the Nostradamus end of world theories point to a 2012 end date is that the predictions continue on long past 2012. In fact, he claimed to see things until the year 3797. This suggests that even though he saw catastrophic events for this time in our life, he didn’t think that it would be the end of the world.
Instead, his predictions may be leading to a more Armageddon-like situations–a sort of “end of the world as we know it”, which later results in a much better world on the other side.
Though some may deny the accuracy of the events that Nostradamus predicted, saying that people stretch the events to fit in with his predictions, he does seem to predict tumultuous times for this time period that we’re in. Will it be the end times? Nostradamus seems to believe that it won’t actually be the end.
What are the other predictions for 2012 besides the Nostradamus end of world theories? Will there be mass destruction? And will you be ready to survive? Click here to learn what to expect and how you can get a FREE Disaster Preparedness Kit.
Nostradamus End of World Theories – Are Nostradamus’ Predictions Coming True?
Throughout the years, many people have predicted the end of the world, but perhaps the most notorious of these future seers is Nostradamus. Few psychics have had the degree of success at making predictions that we’ve seen from Nostradamus. He lived from 1503 to 1566 and historians and observers believe that approximately fifty percent of his predictions have already come true.
Some of the most famous predictions that have come true are predictions about World War I and World War II, Hitler, Napoleon, and the atomic destruction of Hiroshima and Nagasaki. The current interest in the Nostradamus end of world predictions revolve around his predictions for massive unrest and trouble in the time between 2009 and 2012. When you combine this with the idea of the December 21, 2012 end-date of the Mayan Long Count Calendar, things become interesting indeed.
In addition to this unrest, some believe that Nostradamus also predicted President Obama taking office.
Nostradamus’ predictions are quite remarkable, especially given that the events and technology that he was seeing were hundreds of years more advanced than those of his time. Imagine how confusing that must have been to him!
The problem with thinking that the Nostradamus end of world theories point to a 2012 end date is that the predictions continue on long past 2012. In fact, he claimed to see things until the year 3797. This suggests that even though he saw catastrophic events for this time in our life, he didn’t think that it would be the end of the world.
Instead, his predictions may be leading to a more Armageddon-like situations–a sort of “end of the world as we know it”, which later results in a much better world on the other side.
Though some may deny the accuracy of the events that Nostradamus predicted, saying that people stretch the events to fit in with his predictions, he does seem to predict tumultuous times for this time period that we’re in. Will it be the end times? Nostradamus seems to believe that it won’t actually be the end.
What are the other predictions for 2012 besides the Nostradamus end of world theories? Will there be mass destruction? And will you be ready to survive? Click here to learn what to expect and how you can get a FREE Disaster Preparedness Kit.
Nostradamus End of World Theories – Are Nostradamus’ Predictions Coming True?
Throughout the years, many people have predicted the end of the world, but perhaps the most notorious of these future seers is Nostradamus. Few psychics have had the degree of success at making predictions that we’ve seen from Nostradamus. He lived from 1503 to 1566 and historians and observers believe that approximately fifty percent of his predictions have already come true.
Some of the most famous predictions that have come true are predictions about World War I and World War II, Hitler, Napoleon, and the atomic destruction of Hiroshima and Nagasaki. The current interest in the Nostradamus end of world predictions revolve around his predictions for massive unrest and trouble in the time between 2009 and 2012. When you combine this with the idea of the December 21, 2012 end-date of the Mayan Long Count Calendar, things become interesting indeed.
In addition to this unrest, some believe that Nostradamus also predicted President Obama taking office.
Nostradamus’ predictions are quite remarkable, especially given that the events and technology that he was seeing were hundreds of years more advanced than those of his time. Imagine how confusing that must have been to him!
The problem with thinking that the Nostradamus end of world theories point to a 2012 end date is that the predictions continue on long past 2012. In fact, he claimed to see things until the year 3797. This suggests that even though he saw catastrophic events for this time in our life, he didn’t think that it would be the end of the world.
Instead, his predictions may be leading to a more Armageddon-like situations–a sort of “end of the world as we know it”, which later results in a much better world on the other side.
Though some may deny the accuracy of the events that Nostradamus predicted, saying that people stretch the events to fit in with his predictions, he does seem to predict tumultuous times for this time period that we’re in. Will it be the end times? Nostradamus seems to believe that it won’t actually be the end.
What are the other predictions for 2012 besides the Nostradamus end of world theories? Will there be mass destruction? And will you be ready to survive? Click here to learn what to expect and how you can get a FREE Disaster Preparedness Kit.
New Year Predictions
Every year most Americans make some crazy new year’s resolutions that are usually good for about thirty days- the first quarter at the outside. For some the new year will start tragically they won’t have lived but a few hours into the new year before being arrested for DWI or DUI. Worse yet some will die as a result of their injuries and lack of self control. What a waste of life- even if it wasn’t all that good from their vantage point.
For others, the battle fields of Iraq and Afghanistan will be where they take their last breath.
But, let’s move away from the serious stuff and move into a little more frivolity. I say that because I like to make some mental predictions for the coming new calendar year. I’m not betting the farm, nor even a triple grande extra hot latte from Starbucks. But neither am I forecasting the following without some serious thinking going into the idea(s). I dount that many, if any, will bother to remember these predictions, so what have I got to lose, other than your laughter as you read them.
Are you ready?
1-The next president of the United States will be Michael Bloomberg. This is nothing new as I set up a web site last year just to keep tabs on him. As I tracked him in ‘07, there was nothing that made me feel that he wasn’t running- not even his denials. It doesn’t get more wild than this: a third party candidate does what Ross Perot couldn’t do in 1992, but awakened the possibility.
2-The Dow, which closed 2007 at 13,265 will end the year below that! Just how much depends on too many dependent and independent variables to predict.
3-Our economy will see a 50% increase in inflation (year over year). Ben Bernanke can’t keep printing money and adding tens of billions to the system to try and bail lout the housing market without having that amount of massive liquidity have consequences. And with a down economy, that’s called stagflation! But, it beats deflation which worries everyone.
4-The US$ had a terrible year, falling from a close of $83.30 in 2006 to $76.70 in 2007, but 2008 will not provide any relief. The trade deficit will continue at peak levels and more of our enemies will move out of the US$ and into the Euro, Yen, and even the yuan.
5-The three previous points above have to take a toll on the price of oil. In fact, it’s the hidden tax of increased oil prices that will cause oil to drop for $95 a barrel to under $75 in ‘08. Not all news is good, but the good news steams from bad news.
6-The good news of progress in Iraq will be offset by the bad news of Iran and Israel. I’ll leave that one there without further ado.
7-We will see increased weird and unexplainable (though Gore will tell you he knows why)weather and climate conditions that will allow global warming fanatics to claim they’re right while the other side will claim the evidence supports their position. Could it just be the building of galactic precursors to the many events of 2012 instead?
8-Bush will not be able to leave office (which allows for 20 days in ‘09 as well) without a major hit somewhere to our interests that will be MAJOR. This does not limit the attack to within our shores.
9-The internet will experience it’s worst attack to date. Stay tuned!
10-We will see a movement toward inclusiveness which is just the opposite of what we’re seeing now. Just how that will come about, I know not; however, by the end of the year, we’ll see the evidences.
We will survive!
There’s a principle involved here that’s called the Axial Age, or a time when the collective consciousness increases at exponential rates, which has happened in times past, and that’s what I’m betting we’re headed to over the next few years. It’s our only salvation (and I’m not talking salvistically speaking alone). We will see an awakening of he spirit of mankind that will rival the 550-600BCE era.
Out of the crap that seems to overwhelm us will come our hope. We are all in this together and discovering that simple fact will be the beginnings of a ONENESS that’s always been destiny.
ernie@lrchouston.com
Why Astrological Predictions fail at times?
Astrology is one of the oldest sciences mankind has known. It is a Vedanga which means one of the branches, parts or components of the Vedas. It helps in understanding Veda mantras. Astrology is often referred to as the eyes of Vedas. It is believed that a proper spiritual knowledge is not possible without understanding the karmic influences in a person’s life. Astrology is an effective tool to understand the same.
The astrologers of yesteryears like Parashara, Jamini etc were generally Rishis. They laid down different dasa systems like Vimshottari, Yogini, Chara, Mandook etc. They wanted us to crosscheck astrological indications through different methods before giving any prediction. Parashara has described many such steps in his book “Brihat Parashara Hora Shastra”.
Many causes can be cited which lead to erroneous astrological predictions. Some of the causes which lead to prediction failures are discussed below.
a) Mixing Hora Jyotish (Native astrology) with Medini Jyotish (Mundane astrology):-
Hora Jyotish is concerned with astrological prediction of individuals. For this there are tenets to be followed as prescribed by Jaimini Rishi, Parashara Rishi etc. This is the field of native astrology or Hora Shastra.
On the other hand Medini Jyotish is concerned with prediction about the land and the people on a larger scale. Any celestial happening like Surya Grahan (solar eclipse) or Chandra Grahan (lunar eclipse) affects the world as a whole. The occurrence of earthquakes, wars, Tsunamis, droughts, floods and other ethnical issues can be predicted through the system of Medini Jyotish. My esteemed Guru Shri K. N. Rao says that it is not correct to divide the world in 12 parts for mundane matters as is the practice in Hora astrology.
However, it has been found that astrologers try to connect the effects of celestial events like Surya Grahan and Chandra Grahan with the horoscopes of individuals based on their rashi. If a Tsunami or earthquake becomes a killer, it will kill everyone irrespective of rashi. Chance survivors cannot claim that they survived because they belonged to a particular rashi. However, there may be dasa systems as per Hora supporting them in surviving.
Therefore, one of the causes of failure of astrological prediction is mixing the system of Medini for prediction of events of individuals.
b) Ignoring Shodasvarga (16 divisional charts) in making predictions about individuals:-
It has been a habit among recent astrologers to completely ignore the divisional charts while giving predictions. The following reasons can be cited for this practice:
• The time of birth required should be correct for the effective use of such divisional charts.
• The calculation and interpretation of such charts requires skill which comes only by proper study of astrology under the guidance of a competent Guru.
• If predictions are to be based on divisional charts, time must be given to the astrologer because the study and analysis of charts takes time. In today’s fast world every thing is required by the click of button which is not possible.
• Birth time rectification is necessary for proper use of divisional chart for which cross-checking of many events has to be done with the consulter.
Astrological predictions can fail if they are not based on interpretation of divisional charts.
c) Error of astrologer:-
This may be the third cause and a very important cause for failure of astrological prediction. No profession is 100% foolproof. Errors are natural and they occur.
A medical doctor prescribes medicines for ailments. A correct diagnosis of ailment is necessary for medicine to be effective. If the diagnosis is not correct, the medication will not be effective and the patient may continue to suffer.
An astrologer can be put in the same category. People come to him with horoscopes to seek advice on their problems and difficulties. The astrologer should be competent enough to diagnose the problems in the light of established astrological techniques. True diagnosis can be done only by a professional astrologer who has depth of knowledge.
If diagnosis is done carelessly or if the astrologer is not fully conversant with astrological techniques, the predictions may fail. For this, the science of astrology cannot be blamed because like any divine knowledge, astrology is complete in itself. It is only the human interpretation that can be questioned.
d) Divine Intervention in prediction:-
In the battle ground of Mahabharata Lord Krishna showed his Vishwaroop to Arjun for counseling him and for reminding him to his duties. Arjun saw that the Kaurva’s were going into the mouth of Lord Krishna. But he did not see Abhimanyu (his son) going into the mouth of the lord. Abhimanyu also died in the battle but God concealed this information from Arjun. Hence, what God wants to conceal, no astrologer will be able to predict.
The second important thing is that astrology is a divine knowledge and every prediction needs divine intervention for its fulfillment. Egoless-ness is the primary qualification for a competent astrologer. If he is full of ego, his predictions are likely to fail because in every prediction the grace of the almighty is needed. An astrologer who meditates or prays regularly and is egoless, knowledgeable and who thinks himself as only a Nimit (conduit) can give predictions which are not likely to fail.
e) The failure of prophets of doom:-
On several occasions in the last century, the end of the world was predicted due to particular arrangements of planet on certain occasions. Almost all such prediction came from western astrologers. In the 21st century also the first such prediction has come according to which the world is going to end in 2012.
Earlier predictions have failed and this prediction is also going to fail. This means that the astrologers who are predicting such events are casually treating everything without any basis and without sound research on the subject.
Some of the western astrologers say that astrology originated in Babylon, Egypt and Rome. They are reluctant to accept that India was the leading country in this field and persons like Aryabhatta and Varahmihir gave it a sound mathematical footing. The system of Vedic astrology is a far more competent system of analyzing future happenings.
f) Country, Time and Individual:-
Parashara emphasized the need for consideration of Desh (country), Kaal (time) and Patra (individual) before giving any prediction. Child marriage was the practice in old age. Astrological predictions conformed to those practices. But, times have changed and astrology should also march with time. Child marriage has become illegal.
In Vedic period agriculture was the main occupation. Today there are hundreds of occupations. Astrological predictions should correlate to the present day occupation in order to be more meaningful. Continuous transformation of society is taking place and the astrologer should understand the trend to make relevant predictions.
Conclusion:-
Some important causes of erroneous predictions have been discussed in this article. There may be some other causes as well. Astrological remedies sometimes do not work because predictions themselves remain incorrect.
Anand Sagar Pathak is a famous astrologer, who has written a lot of articles and reviews on various sections of Astrology, Horoscopes, Sprituality, Tarot Card and Angelic Reading. He is master of his skills, especially in Astrology Compatibility, Astrology Consultation, Career Astrology, Astrology Charts, Astrology Forecasts, Relationship Astrology and Love Match Astrology.
Currently he is associated with www.astrosagar.com as a active Astrologer and Programme Coordinator.
Nostradamus Predictions The Lost Books of Nostradamus 2012 and Ophiuchus Part 1 of 3.avi
Nostradamus Predictions The Lost Books of Nostradamus 2012 and Ophiuchus Part 1 of 3