The Economist Magazine

Mergers are the equivalent of marriages companies in the world of business. But
Honeymoon in general, more than ever expected. Between half and three quarters of
all mergers do not work – not to destroy rather than create value. Destroying acquisitions
almost one third of the candidate before the purchase value, according to studies of the ESRC
Center for Business Research. According to the most traditional method of assessing '
is easy to compare the offerProfitability of the candidate before and after the acquisition,
Acquisitions in significant improvement in profitability. But following the acquisition
Given the cost of acquisition, the cost of capital and income later, and then
Acquisition is abundantly found in 30% of the candidate, before the acquisition value to destroy.

The success rate of mergers and acquisitions is bleak. Research (Gaplin and Hendron)
showed that while mergers and acquisitions, 70%Achieve their project
Synergies achieved only 30% of companies in return on capital costs and
approximately 50% of executives leave in the first year. The CFO Magazine reports: "75% of
Mergers and acquisitions are disappointing or outright failures. 50% experience a
Decrease in productivity during the first four to eight months. 47% of managers
to leave the company acquired in the first year, 75% in the first 3 years.

The Economist (1999)reported: "A study by the merger of the previous waves has shown that
two of the three deals have not worked … A look behind a disastrous affair, and the same
Word keeps popping up – culture. It permeates the culture of a society and the differences
Gift of cooperation. "

A survey by Grant Thornton Press Council over 750 companies
Identified owners and managers in the United States that some of the major contributors
Factors for the failure of mergers andAcquisitions include integration strategy, the poor, a
Loss of key personnel, the lack of a compelling strategic logic and inadequate
Communication.

But mergers happen all the time – often in markets where the cops driving excitement
Share prices to dizzy heights. In a bear market and tough times, difficult, companies can
seem like a bargain, or cooperation with other companies, of sluggish growth, anemic escape
or anger seems the logical way to go. Managers findTurnaround and organic growth
extremely laborious, tedious, slow and difficult. In contrast, a merger is exciting,
Erotica and generate publicity and recognition of the media. It offers a quick way to
grow in size, although not necessarily for profit. Weak firms join to the diversion
The attention from their internal problems. Many offers are the result of the merchant
to make a good banker persuasion.

Another common argument for mergers is expected that apositive synergies
Connections can be achieved. The two synergistic two-edged sword. If a company in trouble
merge with another low, equivalent to a marriage of two weak people, each with a

tries to find comfort and strength in others. Unfortunately, both are finally
Discover the true nature and incompatibility of the side. Given the high rate of failure
Mergers, magic the merger of two weak companies, therefore, the beginning of a large amount
ofCare. You can not fix a bad bad computer with another. The viruses that reside in
each partner will be disseminated to each other so that both must be grounded. However, if
weak companies will contribute a greater degree of touching the first, the benefits of greater
Management support, access to funding and a wider customer base. Fusion
a better chance of weaker companies benefited from increased operational efficiency success
Marketing and financialAdvantages.

This is why Henry Ford said, you're together, "the beginning, staying together is
Progress, working together is a success. "Buy the yen to a merger, or partner, is part of
the natural desire of the company for growth or difficulty. E ', however, the
Companies that manage to maintain the marriage a good thing that will outperform their peers.
Two great companies come together do not make a good organization. Two mediocre
merging firms do notprovide a good organization. Two weak merging firms do
not solve the problems. You can not merge to save a lot of trouble.

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And 'now a morning. A man was found unconscious, lying on the road. Upon inspection, and mechanisms of injury determined by take-and-run accident. Victim has several wounds to the head, and suffers from massive bleeding. E 'was immediately transported to the nearest hospital and given blood transfusion. But even if his treatment is not delayed for a long time, finally, dies or a lack of oxygen to the brain. His parents and friends haveIf the mourning for his death have not only lost a good son, a good friend, but also saddened by the fact that his death could have been avoided.

Here the use of nitric oxide action on a particular function of nitric oxide is that it widens the artery. As a result of increased blood flow. So that it can be a source of considerable help in A & E departments. When patients come in with bleeding mass, we all know that they need blood immediately.But why is it so? This is because oxygen is transported in the blood to the body, and therefore more quickly, which is the amount of blood pumped into the hulls, the more oxygen delivered to the victims, especially the brain. Blood banks exist, but as in a recent article in The Economist, "Blood Simple", he said, taking the level of nitric oxide in the bag of blood has already saved 70% on the first day, due to a decrease in large in terms of efficiency of the blood. Thus, more blood hasNot that the chances of survival are higher. The quality of the blood counts too.

Therefore, should consider the orderly storage of nitric oxide in ambulances and A & E departments. In the future, if these patients, the old blood could be combined with nitric oxide to increase its efficiency in a relaxing blood vessels. In return, more oxygen is pumped, and therefore the likelihood of brain damage can be minimized.

There are also some points that are carefully checked beforeImplementing change this. Considering that nitric oxide may be difficult to store in a portable, their low melting and boiling point is difficult to transport. Therefore there would be a priority for emergency workers. Nitric oxide can also connect with ozone in the air to form nitrogen dioxide, which is a form of air pollutants. Therefore, any loss of nitrogen from cylinders not only damage the environment, but also negative effects on health of health workersand awareness of health workers in use in the long term.

However, I think, further studies may be conducted to determine the feasibility of this area. As a qualified Level 1 paramedics who knows me, I know we can do only so much as a paramedic with our existing drugs. If this idea can really save lives and unnecessary suffering in the future, then it is an idea to be taken into account.

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I usually do not have much time to write on web forums, but they are very useful tools, and recently I had the opportunity to highlight some points on castanets forum in view of the imminent end of the implosion of housing prices proposed Kelowna. The various forums I have studied is probably one of the great becomes Castanet thread that shows the attention the issue is worthy of debate and perspective.

Read It made me understand that some topicsmight be a bit 'more concrete, one of which was the debate over whether leasing or buying a home in this market. This problem has been a hot topic of discussion in Canmore, as it would become a world class tourist destination.

There is a strong "coupon clipping" mentality in some aspects of the thread, I think you can create misleading representation of all beliefs, despite the fact that some of the information contained in the thread has great merit. First, it is importantto understand that it is a wise man has many counselors, and while the Internet can be a source of information is called "the bathroom wall of the universe, because the height of the information published anonymously that almost always the case in the headquarters is. The old adage that is the advice that is what you pay for is certainly valid.

What I mean cutting coupon is suggesting in terms of contributions that people "saved money" by renting versus buying. This is a hotdebated issue that has arisen in previous discussions. The challenge I have is, unless the savings isolated and placed in a structure that the bank or waiting room, are not saving. To think otherwise is foolish, but the uninitiated are real estate buyers can take that information at face value and change a decision that could have ramifications for many years, too.

Can a person save money by renting vs. buying. There is no doubt that with great determination and self-controla person or family is able to isolate the savings, preserve and grow. Happened? The truth is: no.

All socio-economic studies, I have not seen that) a lease (or clipping coupons for cheap food, because it saves money, because you do not save. The debate has more to do with the mental condition of a person and who do not like the values of the dollar. Therefore, purchasers of assets often pay for a period longer fortheir activities as a tenant, but would ultimately increase the value of equity because, once again something that is very controversial in the thread, but is not a theory, it is a fact. Asset Buyers are ahead economically at the end of the day, in every study I've ever seen. That would mean the choice is simply a lifestyle of convenience and not the economy.

I remember twenty years ago, formed with a conversation with a cousin who was like an economist at the University of Lyon in France. Iasked him if I buy the Canadian dollar futures, before emigrating, so as to benefit from fluctuations in the exchange rate. The advice I received () was left out a lot of sense. Exchange the money, the same day and not on what was the day before or after making trouble. Now there are companies like Ford Motor Company to invest the billions of dollars in the foreign exchange market at night, and probably with much success, but probably hired a team of highly qualified employees thatPerform due diligence before any decisions.

My point is that, as investments in foreign currency, lease vs. own debate is not black and white. Rent is not good because you save money, it is actually a mistake. This does not mean that the box wrong. Rent is a life decision, driven by personal desires, in a certain place, with a special live levels of finish at a certain price, it is neither good nor bad, but for you is true or falseDecision.

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Unfortunately, most of us live our lives with passion. While increasing prosperity for many, the happiness that comes from a deeper sense of purpose and commitment eludes us. This problem is so widespread that even England, the leading magazine of economic and social analysis, The Economist, recently informed us that we must do for us, to reconcile, without happiness and abundance of material alone should be satisfied. I personally do not believe that this approachparticularly interesting, and I assume that it is. Finally, the issues are fundamental to the quality of their lives, it is important to solve the problems!

And that, we can solve with a little 'self-confidence. Think back to times in your life when you felt passionately involved and, therefore, very happy. Each of us has moments like this: a deep conversation with a loved one, or has the feeling of a beautiful backdrop of mountain and sea view, orhigh on a long-distance running or golf on one of those days where everything just flows, or inspired by a plan to completely new business ventures or creative, or just love the feeling deeply connected with your loved ones. Whatever experience you remember, no matter how different they may be, they all have one thing in common: their presence. If you are passionately involved, are presented at 100%. If you're not passionately involved, you are not 100% before. Your mind is theother things, you're only halfway.

What conclusions can we from this? For the passion is to be present, be present and it is with passion! It's so easy!

Let's see now, what we do when we feel devoid of inspiration in our lives when we feel we have the passion, life is boring, boring, or move too much. Many of us in terms which suggest that there is something that we have to find something missing in our lives. We think that if we find them, it adds to ourLiving with passion. Well, this is a bit 'true. But there is one thing missing from our lives. Us! Find a passion for our life, regardless of the current practice today, at this moment, taking everything and give all of ourselves, may be the situation.

Every day we take our present limited programming. This requires planning takes many forms. Sometimes it takes the form of thoughts about how life should bedifferent from what we experience. We should have the house to the sea, we should make more money than us, we would have reached a romantic spouse, children or more. All that is required only a reflection of the ideas that are in us, what is planned as the life, ideas, we are now, not here.

Sometimes our programming is done in the form tells us that our luck will come, not now, but when we finished our "to do" list. So weHave you forgotten this, and the bustle around "to do" everything we do, in the hope that happiness will follow. But, of course, fun in the process and thus we have a habit of this, and that's what makes us unhappy. Sometimes our conditioning takes the form of an inner critic, which are constantly evaluated and those around us. This internal critique of the sentence is full, and there is nothing to prevent us from pronunciation, present! If weJudge, we lack just taking everything in and appreciate what it is. Have you not noticed that this act of all in the nature of passion and luck is not it?

Finally, and more generally, can air our programming is done in the form of a continuous dialogue with our internal focus in the hours it operates. For example, you're in a conversation, and you realize you have to say a word the other person, because you were thinking of something else. This typeSituation happens all the time? It is not a typical example of how life can be exciting, because we really here? Once again, a passion that we have to be present, we have to show for our lives!

If you want to have the passion in your life, all you have to do is to practice there. Then life is beginning to a wonderful richness to a simple reason. I'm 100% there! What's more, the world will really enjoy and spades to give back to you shortly. We didall love the spontaneity of children? Why? They have no special secrets, agendas and internal dialogue. I'm just here. Would not it be fun if you could even here?

Search for the location of attendance, learning to recognize and get rid of our system, may participate in some investigative work. In the meantime, here are some tips for good. If you are fully present, you're not thinking. So if (I think it is really a defense againstExperience), you can see when you see only a minute's pause, feel and hear what is around you. Feel your body. Feel the breath. What to absorb the world around you, the look on the faces of others, the vision of heaven. A knowledge of all sounds. You will find that he came from here, where they were, and when you come here you will find more fun than the clouds of conditioning being lost.

Job Satisfaction Survey

The first year of the economist magazine was 1843 when it started as a weekly news and international affair publication. It has evolved into a weekly magazine that targets people with main interest in Business, Economics, Global economy and Politics with above the average level of intelligence. Indeed it takes some effort to read and comprehend the Economist if you are outside the areas of business, trade or government.

One of the most interesting features of the Economist is the way that the articles are written; there is a uniform voice from the first up to the last page of every printed issue, giving the impression that only one person writes the content. According to the magazine’s editors, it is more important to promote a unique personality and style to the magazine, rather than promote individual writers.

The magazine’s special report feature running every fortnight is also one of the main characteristics focusing on a standard topic like Countries and regions, Business, as well as Finance and Economics. And the Technology quarterly, a special section that gets published every three months, targets the latest trends and recent advancements in science and technology.

The Economist magazine has a very loyal audience; the weekly circulation is nearly 1.5 million issues and almost half of them are sold in the United States; a major portion of the economist subscription volumes comes from other continents, mainly Europe and Asia. It is interesting however to notice a decrease in the search trend for the magazine in main search engines like Google and Yahoo, possibly indicating a change in loyalty and habits from those who follow the magazine closely.

The publication is always facing criticism throughout its history, not to mention censorship attempts from political regimes. Recent criticism example is a claim that the magazine was clearly promoting Obama throughout it’s running for Office. One of the latest successful censorship attempts was the ban of the circulation of the magazine in 2006 in Iran, because of the mentioning of the Persian Gulf simply as ‘Gulf’ in one of the maps.

It is apparent that the magazine is trying to follow trends, and embody them in to their business; they maintain a well respected Web site, with 3.6 million visitors per month on average (nearly 1.2 m from the US), mostly men, between the age of 35-65, Caucasian with an above the average monthly income. There are digital and mobile editions, an online shop, and the ability to post classifieds online and offline. However, the magazine fails to make the most of the Internet in terms of acquiring more subscribers, simply by ignoring the importance of running a separate global affiliate program; instead the Economist simply relies on itself, and on standard Web distribution channels (Amazon, magazines.com) for sales.

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Public relations writing when writing press releases can be a real challenge.

When writing press releases the most important part is the headline or title.

This is the information the media reads first so it has to grab their attention.

How can you write better press releases that get used instead of deleted?

Well the headline is essential when writing press releases.

Take this real life example of public relations writing.

“Triple Bottom-line Community Net Benefit Decision Time for Sustainable Economic Development Decisions Needed Says Economist“

This is an actual headline on a media release from MacroPlan Australia published in The Australian newspaper’s Media Section on Nov 13, 2003.

Would you want to read more if you got this on your fax machine or email inbox? How can you write better headlines and improve the likelihood of your media release making the cut?

Writing a good title for a media release is essential for effective public relations writing. Here are my Top 9 Tips for Writing Better Headlines:

1. KEEP IT TO ONE LINE.

More than one line and you are likely to lose a busy journalist who would receive hundreds of media releases a day.

2. EDIT FOR BREVITY.

You probably won’t achieve point one on the first go. Rewrite and edit every time. Remember with headlines that ‘less is more’; so keep it to five words or less.

3. DON’T TRY AND BE TOO SMART.

Writing headlines for the print medium is a real art form. Leave it to the professionals, namely, newspaper sub-editors. Remember that newspaper headlines have to sell papers, your headline has to engage one reader – a cynical journalist or editor with a ’so what, who cares’ attitude.

4. WHAT IS THE ESSENCE OF THE STORY?

The headline should summarise the story and answer the who, what, why, when and where.

5. USE A BIGGER FONT SIZE THAN THE REST OF THE RELEASE.

Don’t go smaller than size 12 for the main body of the text and use size 14 or 16 font or bigger for your headline or title.

6. USE THE SAME FONT STYLE AS YOUR TEXT.

Never change font styles in a release. Times New Roman is the most accepted and professional.

7. USE BOLD TO MAKE IT STAND OUT.

8. CENTRE IT IN THE MIDDLE OF THE PAGE.

9. ALWAYS SPELL CHECK AND DOUBLE CHECK FOR TYPOS.

Nothing harms your credibility more than a typo in the headline!

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How does America compare with other nations on important and trivial issues? Not too great according to Pocket World in Figures published by The Economist Magazine.

Russia is the largest.

Nepal-China has the tallest mountain (Everest).

Africa has the greatest river (the Nile).

North Africa has the largest desert (Sahara).

Central Asia has the largest lake (Caspian Sea).

Greenland is the biggest island.

China has the most people.

Uganda has the fastest growing population.

Folks in Niger are the most sexy based on fertility rates.

Latvia has the most women per man. The United Arab Emirates have the fewest.

The oldest people live in Japan.

BUT WAIT! We’ve got the most migrants!

Iran has the most refugees. (Mostly from the utopia we created in Iraq?)

Japan has the biggest city. Niger has the fastest growing city.

Switzerland has the highest quality of life.

Luxembourg has the highest GDP per person and the highest purchasing power.

Norway has the highest Human Development Index.

Hong Kong has the highest Economic Freedom Index.

Equatorial Guiana has the highest economic growth.

The Euro Area is the biggest exporter.

As for balance of payments, Japan wins and we come in last.

Well, it goes on and on.

We have the greatest production capacity and wealth. But how long will that last with Asia snapping at our heels?

Why does America with all of its wealth lag in health areas even though it is highest in health spending?

China has the largest army and North Korea beats us big if you count the reserves. No wonder we are happy to attack only those with smaller defenses then ours.

What makes a county truly great. I’m not the expert being just the Hack Writer, but the following comes to mind:

1. Taking care of the land, air, and water that we have inherited. We are not even close to the top in this area.

2. Securing our country including our borders, not allowing anyone to cross the border illegally. By the way, all we need to do this is to have the citizenry check the credential of immigrants carefully and not to employ those who are suspect. If there is no work, there is little migration.

3. Teaching our children to avoid the evils of this world, to seek education, and to live moral and productive lives. Such depends on the family more than on educators who seem to fail at times in these matters. Couples need to stick together and avoid divorce and separation.

4. Providing a strict law enforcement system that works. Putting drug traffickers under Marshall law with speedy trials and hard punishment including the death penalty for those that will not change their ways.

5. Provide honest and competent government for all citizens.

When I look at things the way they are I see gross failure on our part. Calling ourselves the Greatest Country in the World and setting ourselves up as the Great Example for all other countries to follow is ridiculous propaganda and just alienates us from the world. Having said that, we could become the Greatest Country in the World is we had someone to look up to.

Well, let’s start with Switzerland.

They seem to be happy, efficient, healthy, rich, and free from war.

The End

copyright©2007 John T. Jones, Ph.D. (Taylor Jones the Hack Writer)

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Ratu Adil and Satria Piningit

Indonesia long awaits the saviors, Satria Piningit and Ratu Adil to show-up on the political stage to usher-in the Golden Age; and she secretly expects the saviors to “glorify” her before the other nations, just as other groups or some other nations egotistically long for the same thing. We would like to emphasize here that emissaries from God do not appear for the progress of a single group, sect, nation, etc.; the “angels” of God march on behalf of the spiritual unfoldment of humanity and the manifestation of God’s Will on Earth.

In this chapter we will discuss this subject of Ratu Adil and Satria Piningit in greater detail that has only been touched upon previously.

Ratu Adil

Ratu Adil, is the “Queen of Justice ” as translated into English. An improved rendering would be “Goddess of Justice.” The goddess is also called Satrio Wirang by some mystics. Many centuries ago her advent and influence was prophesied by Jayabaya, or those appropriating his name, such as Pangeran Wijil who wrote the book, “Jangka Jayabaya” in 1741.

Ever since the prediction was made there have been speculations as to the probable nature or even identity of the goddess, and also her associate, Satria Piningit. There are those that believe that when the time is ripe Ratu Adil would incarnate and live in the physical world as a human being and establish justice in a chaotic and anarchic world.

R. Ng Ranggawarsita, a poet of the “Kraton Surakarta” once wrote that a king would be born in Mecca with symbolic signs appearing such as the “Tujung Putih, Pudak Sinumpet,” or “White Lotus Flower, Hidden Bud.” The White Lotus Flower supposedly refers to Ratu Adil, whereas the Hidden Bud refers to Satria Piningit.

White lotus flowers have always signified spirituality or divinity to the ancient Egyptians, Hindus, and other cultures. The symbolic signs above could well mean that though she is unveiled, she is yet hidden; or in other words, her influence would be active in the physical world of men but she herself will remain unseen, the reason being that she resides in a different dimension. When mystics mention Mecca, what they are actually referring to is the Kabah, or House of God. In esoteric language, the Kabah symbolizes a high state of consciousness, or a lofty spiritual estate. Considering then, Mecca in conjunction with the other symbols we may reason Ratu Adil to be a divine, spiritual being, a goddess, functioning in a higher world unseen by the physical senses, but active in directing her representatives to work on behalf of Truth, Freedom and Justice.

Some believe that the coming of Ratu Adil simply means that at a future date justice would rule over our hearts and souls, and that our governments would implement Justice and Truth as the voice of their respective nation’s conscience. We concur with this belief; however, it might surprise some people to know that the Goddess of Justice, or Ratu Adil, does actually exist as a personal being and known to some students of esotericism. She is a cosmic entity far more advanced than any “perfect” human being, hence the title of “Goddess.” She is known among the members of the Spiritual Hierarchy and their unascended disciples as “Portia (Por-shia), the Goddess of Justice.”

According to notions here in Indonesia, Ratu Adil is somehow associated with Satria Piningit. Western occultism supports this concept. Ratu Adil and Satria Piningit are actually what is called “Twin-Flames,” or “Twin-Spirits.” To explain briefly what Twin-Souls are according to western occultism: the true identity of man is the Spirit, the divine spark of God within the microcosm. Theosophical students call this the “Monad”. When the main Divine Spark first emerged from the parent-flame, or God, it consisted of two polarities, one masculine and the other feminine. These two polarities later separated into lesser Sparks, or Spirits. Each human being is that evolving Spirit of a certain polarity of one of those billions of Divine Sparks, and each of us has a Twin-Spirit somewhere in the universe. Though most of us are presently separated from our Twin, we will unite with our “alter ego” when we have evolved to a certain stage and fulfilled certain spiritual tasks. Related to the principle of Twin-Flames are the Soul-mate and Karmic-mate concepts; however, they are irrelevant in this paper.

Portia, or Ratu Adil is one of the directors of the Karmic Board, and as such she is known as a “Lord of Karma.” The Karmic Board plays an important role in the evolution of humanity. The Board may be considered as the “higher law,” or God’s channel for executing divine justice, in contradistinction to the justice of mortal man who gleefully say that “justice is blind.”

We quote below from a glossary of the Summit Lighthouse the purpose of the Board of Karma and its members:

“The Lords of Karma dispense justice to this system of worlds, adjudicating karma, mercy, and judgment on behalf of every lifestream. All souls must pass before the Karmic Board before and after each incarnation on earth, receiving their assignment and karmic allotment for each lifetime beforehand and the review of their performance at its conclusion. Through the ‘Keeper of the Scrolls’ and the ‘Recording Angels,’ the Lords of Karma have access to the complete records of every lifestream’s incarnations on earth. They determine who shall embody, as well as when and where. They assign souls to families and communities, measuring out the weights of karma that must be balanced as the ‘jot and tittle’ of the law. The Karmic Board, acting in consonance with the individual I AM Presence and Christ Self, determines when the soul has earned the right to be free from the wheel of karma and the round of rebirth . . .”

There are presently eight members in the Karmic Board, each one representing a Spiritual Ray or power emanating from the spiritual counterpart of the Sun. All of them are lofty cosmic beings. To explain what these Spiritual Rays are is beyond the scope of this work. The Lords of Karma are:

First Ray

Great Divine Director

Second Ray

Goddess of Liberty

Third Ray

Lady Master Nada

Fourth Ray

Elohim Cyclopea

Fifth Ray

Pallas Athena, Goddess of Truth

Sixth Ray

Portia, Goddess of Justice

Seventh Ray

Kuan Yin, Goddess of Mercy

And recently a new member was installed representing the five secret rays–Vairochana–one of the Dhyani Buddhas.

Satria Piningit

As we said before, Christ, Ratu Adil, and Satria Piningit are members of the Spiritual Hierarchy and/or the Karmic Board. Satria Piningit is one of the “Lords of the Flame.” These Lords are called Chohans, meaning “Lord,” or “Master” in Tibetan. There are seven Lords functioning under the direction of the three departments of the spiritual government. Each of the Chohan represents and directs the Christ-Consciousness of a certain Divine Ray emanating from the Spiritual Sun; they also represent the qualities associated with that Ray. They assist the evolution of humanity in that field, or Ray-aspect with which they represent. The Lord of the Seventh Ray is a spiritual entity called Saint Germain; the name is a title, it means, “Holy Brother.” Saint Germain is Satria Piningit, the Knight Commander whose advent was predicted by Jayabaya. Saint Germain and Portia (Satria Piningit and Ratu Adil) are Devapi and Maru as mentioned in the Kalki Purana. “Devapi” literally means “God of Fire,” or in other words, “Lord of the Flame.” Aside from being a Chohan of the Seventh Ray, Saint Germain also holds the title of “God of Freedom.” This is the reason why whenever freedom is called for, the Knight Commander responds. In the past, St.Germain played an important role in the American Revolution.

It is our belief that he was active in the fight for freedom in Indonesia several decades ago as well, and also why his presence may be felt even now by our local “sensitives.” Economy, Organization, and Ceremony come under the direction of the office of the Lord of the Seventh Ray. Satria Piningit is also the great economist; and under his direction monetary and economic crisis may be solved but under certain strict conditions. St.Germain is likewise the “Initiator of Souls” in the science and ritual of transmutation through the violet flame of the Holy Spirit. Below we give the name of the Lords of the Rays, together with the colour Ray that they rule and their associated field of expertise:

[Please visit this page for table: http://www.indotalisman.com/revealed.html]

According to Jayabaya, Satria Piningit will “appear” in an Age to come. Since Jayabaya made this prediction in the Age of Pisces, the “Age to come” refers to the Aquarian Age. It is not known exactly when the Aquarian Age would commence. Some give the date 2002 AD. to be the start of the New Age. The consensus among Indonesian psychics, several years ago, is that Satria Piningit would appear at the end of 1998. If they were referring to a physical presence and a public appearance then they may be mistaken, as so far, to this very day, there is no indication whatsoever to that effect–at least not in Indonesia.

Why was the advent of St.Germain said to be in the coming Age? According to certain sources, aside from being the Lord of the Seventh Ray, St. Germain, alias, Satria Piningit is also the Hierarch or the President-Director for the Aquarian Age. He rules the New Age as Hierarch together with his twin-flame Portia, the Goddess of Justice.

Another reason why the influence of Saint Germain is now growing in world affairs is that because now there is a great influx of the Violet Ray beaming upon our planet. Each of the Seven Rays has its cycle of influence in world affairs. Each cycle may run for centuries. The Violet Ray is now the predominant ray influencing humanity, with Satria Piningit as its Lord. It would be interesting to note that the symbol of St.Germain is the violet Maltese cross.

Knowing that the Knight Commander is the Lord of the Violet Ray it came to no surprise to us when we read in a local paranormal magazine (”Misteri” issue no.220) dealing with the supernatural, concerning Satria Piningit and the Violet Ray, as mentioned by “Eyang Prawiro.” According to Prawiro, the signs of the emergence of Satria Piningit are indicated by hailstorms–and from the South; after the abeyance of the storm, a certain refined violet light like a rainbow will shine upon a hill. And it is there that the one who is in spiritual retreat will be consecrated with the violet light that is called the “spirit of Satria Piningit.”

We would like to state here that there is an esoteric interpretation to the above description. Hills or mountains often symbolize the peak of consciousness while in intense meditation. They do not refer to a physical place. The one meditating may be any individual seeking for enlightenment. Hailstorms symbolizes psychological turmoil. In a spiritual-state during meditation, one may indeed contact the Knight Commander and be empowered by his Violet Ray and come under his spiritual influence should certain basic requirements be fulfilled. The above description, therefore, does not refer to any particular individual at all, but all those who align themselves with the ideals and principles embodied by St.Germain.

From the same source as the above, Eyang Prawiro says that Satria Piningit is not a human spirit. This substantiates our concept that the Knight Commander is a very evolved being, a god–using the term to mean a highly evolved entity that has transcended the human state of being. Below we quote Prawiro:

“Untuk Satrio Piningit, tokoh adil, kharismatik dan superpintar itu, dalam kontemplasi saya adalah roh yang supersuci dan bukan dari manusia, tapi dari roh halus, roh Malaikat pembantu Allah yang dipilih untuk menitis dalam bentuk wujud nyata manusia di dunia dan melakukan tindakan keadilan melawan kejahatan yang merajalela di Bumi.”

(”Regarding the Hidden Knight, a righteous, charismatic, and super-intelligent individual–in my contemplation is a very evolved spirit and not a human being, but a higher dimensional entity, a Guardian Angel of God that has been chosen to incarnate in this world in a human physical form and perform acts of justice against evil that is violently overpowering this world.”)

The “Guardian Angel of God” that Prawiro refers to is in accord with the teachings of western occultism that the Knight Commander is a Lord of the Flame, one of those high entities appointed to rule over a Spiritual Ray; however, it is not known whether Saint Germain actually is embodied, physically speaking. Many occult students believe that he is.

Prawiro also goes on to say that there are many Satria Piningits, and they will all appear to bring peace to the planet wherever and whenever they are needed. It should be evident from what we have revealed thus far, that Saint Germain has his representatives all over the planet, all of them being directed and inspired to work and act on behalf of Freedom, Justice, and Truth. Saint Germain contacts his knights telepathically and spiritually.

Prawiro also believes that one particular representative of Saint Germain will be chosen to be the leader of this nation, and that this said representative is still unknown. This could well be a possibility, but we would like to emphasize that there will be many who will represent the Knight Commander, and not just a single individual. They may not all be politicians.

Regarding the representative of St. Germain, or Indonesia’s future leader, Prawiro says that this individual chosen will be a Muslim, a follower of Islam, and not a devotee of one of the other religions. This may or may not be true, depending upon our perspective. The word Islam means, “surrender,”–surrender to God and to Cosmic law. It is also the surrender of the false ego, that the greater will of God may be implemented. In this sense all those who surrender themselves, no matter what religion they follow, may be considered as devotees of Islam, disregarding the “Syariat” aspect of the religion.

Prawiro goes on to say that the leader will be a man and not a woman. Does this refer to the physical body or to psychological traits? If it refers to psychological traits even entities in female bodies may be considered “male.” In reality, the soul is neither male nor female.

There is also a current belief that Satria Piningit or his representative is a Javanese. We would like to stress here that Saint Germain is not a Javanese, though his representatives are of many races; however, this is irrelevant. It is not the outer form that is important, but the inner quality of the soul. Nevertheless, we may interpret the word “Java-nese” to mean a “man of God.” In the Hebrew language, the Tetragramaton–the four-letter word, represents the name of God. The four letters are “Yod-He-Vau-He.” The real pronunciation of the word is known only to a few. The Tetragramaton is said to possess miraculous powers when enunciated correctly. Scholars and mystics of the past variably pronounce the Divine Name as, Jevo, Jao, Javo, Jave, Javeh, Jehovah, Jehva, Jahu, Yahweh, Java, etc. From this our readers may well understand how we infer “Javanese” to mean “Man of God.” Some may object that the Hebrew and Javanese languages have nothing in common; it should be known, however, that many languages do share a common root.

Many sources claim that St.Germain had many vital incarnations. He was, for instance, embodied as Samuel the Prophet (circa 1100 B.C.); as Joseph, the husband and protector of Mary and their child Jesus; as Proclus, Greek philosopher of the 5th century; as Merlin the Magician; as St.Alban who lived in the 8th century; as Roger Bacon (circa 1214-1294)–English philosopher and experimental scientist; as Christopher Columbus; as Francis Bacon (Shakespeare), Lord Chancellor of England–statesman, essayist, the “father of inductive science”; and as Prince Rakoczy–the Comte de Saint Germain, the “Wonderman of Europe”–he who was referred to by Voltaire in a letter to Frederick II as the “man who never dies.” As a “physical immortal” in that incarnation his worldly activities have been documented for more than a century (1710-1822). He was said to be still alive in the 20th century with many eye-witnesses, one being Charles Leadbeater, an eminent theosophical member.

Saint Germain as Francis Bacon engineered his own mock death and subsequently moved to Rakoczy Mansion in the Carpathian foothills of Translavania where he “ascended.” The Ascension is one of the advanced initiations offered to man; its spiritual level is much higher than Sainthood, or Masterhood.

[Note: This paper contains images which may be seen as originally published at our website]

Copyright © 2006 Luxamore

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There are 281,421,906 people in the USA; 105,480,101 households. Median household income was $42,257 in 2000. A majority of households, 87%, earn less than $100,000 per year. Only 33.7% of current homes are worth over $150,000. Why do so many real estate developers believe that more Americans can even afford a second home? Is there really a second home bonanza on the horizon?

The bonanza believers sight the aging Baby Boomers and their soon to arrive inheritances as top reasons for a second home boom.

This report attempts to refine some conventional wisdom:

Myth: Baby Boomers are going to inherit fortunes and will be able to afford multiple ‘whole ownership’ retirement homes and live luxurious lifestyles in retirement.

Fact: Most Baby Boomers will not be able to afford 2 homes in retirement, and the wealth transfer is going to affect far fewer boomers than previously predicted. They will need be more practical while enjoying the luxury of a second home in the sun and will choose fractional ownership, condo hotel or timeshare to afford multiple residences. As established by whom/what? I think it is important to state this.

With 78 million boomers (27% of the US population) reaching retirement age in the next 15 years, seeking retirement nests, and in their peak earning/savings years, it is easy to get giddy about the prospects for second home sales. Add to this statistic, The Wealth Transfer Effect, estimates range from $2 to $136 trillion in wealth will be inherited in the next 20 years, exuberance seems warranted. I don’t understand this statement – is this better: “Add to this statistic “The Wealth Transfer Effect”: estimates range that from $2 to $136 trillion in wealth will be inherited in the next 20 years, therefore the exuberance seems warranted”

The troubling questions are:

1.) Inherited wealth is a constant in an economy, what makes this so special?

2.) Will the money just stay in the family?

3.) How does this transfer of wealth change our economy and housing market?

How big is This Wealth Transfer?

Ken Dychtwald of Age Wave, Inc. reports that people over age 55 currently control nearly two-thirds of all the nation’s financial assets. They own some 40% of all mutual funds, 60% of all annuities and 48% of all luxury cars. The WWII generation’s thrift has however shifted toward consumption in recent years. Consider the bumper sticker, “Retired – Spending My Children’s Inheritance.” Reports indicate that the percentage of those older than 65 who say it’s important to leave an inheritance dropped to 47 percent in 2000 from 56 percent in the early 1990s. Only 22 percent of people over 65 plan to make a significant bequest. Why? One explanation is that families these days are more geographically dispersed, stretching familial ties.

American Demographic Magazine reported in 2003 “A weak economy, a sputtering stock market and a Social Security system that may run dry are all fueling skepticism regarding the size of the transfer of wealth from Boomers’ parents to their children. Since 2001, the stock market meltdown has erased some $8 trillion in shareholder wealth, slashing the net worth of Boomers’ parents. Plus, Americans are living longer, to an all-time high of 77.2 years in 2001, and increasingly cracking their nest eggs to fund their own extended retirements.” “Boomers are too numerous to expect a windfall,” says economist Laurence Kotlikoff at Boston University. “I’m sorry to burst anyone’s bubble, but there’s no economic justification for any bonanza inheritance.”

Less than 20% of boomers have yet to receive any inheritance, and the average bequest has been less than $50,000. More than 104 million (37%) are over 40 years old and looking for bequests from 33 million (12%) seniors, bequests that haven’t even started to flow yet.

If every WWII senior has a $100,000 net worth to bequest, $3.3 trillion will be divided; potentially $32,432 per boomer. $32,432 is hardly a windfall that will power a second home boom? Are you asking or stating? If asking, rephrase; if stating, remove ?

“Comparing themselves to their parents, 75% admit they’re more self-indulgent and 67% believe they’ll live longer. Yet Boomers understand that their lifestyle comes at a price: 84% recognize that they have to make more money to fund their retirement. A whopping 80% plan to work at least part-time during retirement, and 23% say they are counting on an inheritance to help fund their retirement. With this patchwork safety net, 65% of Boomers feel confident that they will have enough to retire in comfort. John Gist, associate director of the Washington, D.C.-based AARP Public Policy Institute, says that while many Boomers are better off than their parents were at the same age, “their expectations are also greater, and some will find their resources falling short.” From May 2003 issue of American Demograpics. If 84% of boomers do continue to work in retirement, a long term second residence is likely out of the question, but a shorter term seasonal second home will likely be more desirable.

In 2000, 33 million (12%) American households earned over $100,000. Second home buyers are typically between the ages of 47-62 years old, with household incomes over $100,000. This demographic is roughly 2.64% (22%x12%) of the US population or 7.4 million people in 2005.

If we assume that the wealthiest earners (12% over $100,000 in income) also have the highest net worth today, and that their parents also have higher than average net worth, we can expect that this cohort will receive larger than average inheritance. The wealth would stay in the family.

Today’s distribution of wealth is easily seen in existing home values. Consider only 33% of homes are over $150,000 in value, 9.1% were over $300,000, and only 2.9% were over $500,000.

Using this math, we can project the market demand for boomer retirement housing, using a few assumptions:

1. Boomers make up 27% of the population

2. They will demand a home of equal or greater value in retirement

3. Everyone wants to retire somewhere, and they would like to own it if possible

There may be demand for 10.5 million homes/condos/aggregate fractional shares over $150,000, 2.8 million over $300,000, and 900,000+ valued at over $500,000. This math correlates closely with the 7.4 million boomers with means to own a second home.

The only surprise in this data might be the idea that “fractional ownership shares” are mentioned in the analysis of this data? But it shouldn’t be. This is a generation that has ‘rethought’ all conventional views, and their retirement home of choice will not likely be in a traditional retirement community. Many boomers are awakening to the option of owning multiple residences by owning only the piece they want to use.

In 1980, only 32% of automobiles were leased. By 2004, over 70% of new cars were leased. Affordability and the desire to have a new car every 2-3 years was the reason. “Why own a whole pie, if you only want a piece?” was the advertising campaign that started the change of consumer acceptance of leasing. What will change the second home industry?

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US Central Bank concluded its two day meet on 16 Dec 2009, that being the last FOMC meet of year 2009. The Federal Reserve, specially its Chairman Ben Bernanke, was very careful in not ruffling any feathers, so to say. It took utmost care that the statements it issued should not unnerve market participants. It not only left the rates unchanged, but also retained its key phrase “exceptionally low rate for an extended period of time”.

That’s right. The Fed wants to retain an exceptionally low rate for an extended period of time. And yet the US markets gave a thumbs down to this benign act of Fed. The moment the decision on rate was announced yesterday, the US markets sold off. Dow Jones which had made an intra-day high of 10553 before the announcement, swung into negative territory to make an intra-day low of 10402 after the announcement. By pressing the sell button US markets signaled to Ben Bernanke that he had not done enough.

But what more could Bernanke have done? He went overboard painting a rosy picture and not stepping on any toes, keeping rates at zero for an extended period of time. Time magazine also splashed him across newsstands on the same day as its Person of the Year 2009. Every bit of positioning helps. Time’s managing editor showered accolades on Bernanke. Sample this piece from the article – “Bernanke didn’t just learn from history; he wrote it himself and was damned if he was going to repeat it,”. Such maneuvers can surely give Bernanke that extra push when Senate Banking Committee votes this Thursday 17 Dec 2009 on Bernanke’s second four year term. With a little help from my friend – reminds one of an old song by Beatles!

But alas! Markets will be markets!! Ben Bernanke’s friendly and conciliatory overtures were given a total cold shoulder. The promptness with which the market sold off after the Fed announcement of keeping rates unchanged suggested that this was a premeditated move of the market. It could well be that irrespective of Fed decision market participants had preplanned to sell off after the announcement. Are they trying to express their displeasure before Bernanke gets the votes for a second term? Time will only tell. I would rather like to pin the sell off down to fears of sovereign default by Greece.

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