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Clement [2020] Chatiw Alternatives: 20 Free chat rooms
- Chatib This is the great Chatiw alternatives, requires no registration and downloads. There are also safety tips and numerous customer support channels available to all members too.
Bennett 16 ChatIW Alternatives & Similar Software
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Quinton Free Random Video Chat App
- We advise that you never give out your personal information on any random video call. Hot or Not A gaming style, the social networking site where you can find smart and real people living nearby about whom you are not aware of.
- This is despite a nickname being seemingly innocent and following standard practice — we tried just using our first name followed by 4 numbers.
Van 16 ChatIW Alternatives & Similar Software
- The best feature this site provides is the ability to video call while chatting, which makes it even better as you can see the person you are talking to and read their expressions.
- DescriptionMeet and Chat with new friends around the world. Your nickname could be your defining feature, something funny or a simple fact about you, but it can be a great beginning of the conversation! Happn A social application to which you subscribe via Facebook.
Rubin ChatiW
- Welcome to ChatSpin, a random video chat app that makes it easy to meet new people online. You can also find your ideal connection, you never know.
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Otto #1 Chatiw , site de tchatche et de rencontre gratuit sans inscription , chat gratuit
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Bruno FREE CHATIW CHAT ROOMS ALTERNATIVE • 2020 • ccc.blockshipping.io • FREECHATROOMS
- The one thing that does let ChatiW down though is the lack of additional features. OkCupid OkCupid is a site where you can connect with strangers and have a chat.
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Elvin [2020] Chatiw Alternatives: 20 Free chat rooms
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- Just enter your name, country, and your gender and start talking. Here we are going to provide you with some tips to help you solve the problem of Chatiw not working or downtime issue.


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|I am drawn beyond, into silence
It is easy for me to be soul conscious, be free from attachment and to maintain self-respect
I become incorporeal, egoless and viceless
The consciousness of "I and mine" melts away
I become a conqueror of the senses, the mind and the world, Maya and the elements
My karma changes
My sins are absolved
I become free from compulsion and become strong
I become free from the suffering of karma
My sanskars become elevated and my fortune bright
My account of charity increases
The lock on my intellect opens, I become free from bondage, a conqueror of Maya, flexible, an all-rounder
I become an easy effort-maker and a destroyer of attachment
I easily become one who is ignorant of the knowledge of desire
Success comes to me
I am able to maintain my original stage in adverse situations
My stage is unshakeable and immovable
I remain free from worry and a carefree emperor
I have no tension but pay full attention
A situation as big as a mountain becomes like a mustard seed and cotton wool
No obstacle attacks me, but salutes me
I am able to be liberated in life
Success is guaranteed in every task
I become an embodiment of total success
At every step …
I experience His company at every step
I experience the happiness of all relationships
I become an embodiment of authority, an image of all experiences, a combined form
I receive light and might and have a right
The intellect transforms
I develop a planning intellect and never confused
I am able to discern between wrong and right
I develop reality and royalty, touching power and catching power
My intellect is a refined, clean and swan intellect
I am an ignited light and an embodiment of power
I become trinetri, trilokinath and trikaldarshi
My life becomes simple and a sample and is filled with spiritual strength
I naturally have honesty and cleanliness
I am able to make everyone content
I become the most elevated by following the highest code of conduct
I become a guard of my virtues, lovely and lucky.
Relationships becomes rich
I am easily able to harmonise sanskars with others
I am able to become virtuous with a vision that only sees virtues
My heart becomes big and unlimited and I have regard for every soul
I become full of good wishes and pure feelings
It becomes easy to give and receive blessings
I become a master leader of one who has mercy for all
It becomes easy to uplift those who defame me
I am easily able to forgive every soul and recognise my own weaknesses
I become valuable for the world
I become a master remover of sorrow and bestower of happiness,
I become a donor, a bestower of blessings and a great donor
I become complete with 8 powers and all virtues, merciful and compassionate like the World Mother and World Father, a master of the self, a self-sovereign, a messenger of peace, loving and detached like a lotus flower, a spiritual rose, a stick for the blind, source of inspiration for others and a hero actor
I become an instrument
My life is protected and is useful for God
I am able to have the consciousness of being an instrument
I become an instrument to create an elevated world
My very breath, every second, every moment and every thoughts is used in a worthwhile way
I am the richest in the world
I become a true Meera of Murlidhar and praise-worthy, respect-worthy and worship-worthy
I become one who is constantly "wed", a mahavir, an authority of true knowledge, a master almighty authority
I become one who is richest in the world
Category Archives: 99) Spiritual Articles
The Divine Relationship
This article explores the relevance and importance of differentiation, intimacy and celibacy in our relationship with God
As we acclimatise ourselves to the new millennium, with world population tipping the scales over 6 billion and science able to fly men way out into the solar system, why is it so difficult for two people to live under the same roof in a relationship of peace and harmony?
Within all relationships, two counterbalancing life forces are always present—individuality and togetherness. Individuality propels a human being to follow her own directives, to be independent, and a distinct entity, whereas togetherness propels her to follow the directives of others, to be dependent, connected and an indistinct entity. The bringing of these two forces into balance therefore shapes the nature of our relationships. Differentiation is a term frequently employed to describe the process by which a person manages individuality and togetherness in a relationship. On a basic level this is revealed in an individual's ability, across life, to keep thinking and emotions separate, and to choose between behaviour which is governed by emotional reactivity, or thinking; and to set a life course based on carefully thought out principles and goals. A high level of differentiation allows a person to be emotionally involved with others, without losing touch with his own sense of individuality—both of which can be done simultaneously, and with profound depth. No matter what intensity of emotional and external pressure may be applied to coerce such a person to operate in a non self-determined way, he will be able to retain his autonomy.
However people with low levels of differentiation lack beliefs and convictions of their own, and adapt quickly and uncritically to the prevailing ideology. Even if the beliefs conflict with the facts—conviction is so fused with feeling that it becomes a cause. An individual with unresolved issues of differentiation may pursue intimacy to achieve the feeling of being fused or merged with another. This of course, is not possible, and ultimately leads to frustration, disillusionment and alienation.
Closely related to the notion of differentiation are the concepts of true self and false self. In the usual kind of relationship between two people, there will mostly be an exchange between the false self of both. This kind of exchange is called games, manipulation, control, and patterns of interaction. We often refer to it as "the fit" between the two individuals in a couple. As people try to reshape each other and react to one another's values, beliefs, etc, one may get the upper hand and become dominant in a certain part of the relationship, where other parts are either traded off or fought over. The false self is vulnerable to being moulded by others, and is most vulnerable in emotionally intense relationships. This is where most people have difficulty—allowing their partner to just be who he or she is. They complain of a lack of intimacy and sexual intensity, but intimacy is about the last thing they can tolerate.
Such an individual is expressing an almost non-existent awareness of essential self, and is functioning totally at the level of personality.
What is the difference between the soul and the personality?
The soul is the spiritual essence or being that is I. When we are born into this life, the soul is emerged and pure. Babies are natural, innocent, defenceless, pure and loving little creatures.
Children and adults alike find these qualities very attractive. As we grow, we begin to develop personality or ego defences, as a way of resisting the pain experienced from little hurts or rejections and, in many cases, to resist the pain of trauma, abuse and neglect. Personality forms around the soul, in a sense, and builds up as layers and layers of defence mechanisms. This construction of personality is completely false, since it is based solely on resistance to the environment. Our emotional reactivity comes from the personality, not from the soul. The more layered with defences we become, the more we are distanced from our essence, until the soul is completely forgotten. This state of spiritual lostness results in the conviction that I am my personality. The experience of the soul is anchored in the essential states of being: strength, love, will, value, bliss, power, peace, etc. These states are experienced with our spiritual senses, our mind, and our feelings. In other words, they come from our innate being, and are not based on a reaction to an external person, place or situation. It is in meditation that we bypass personality and connect directly with the soul, and experience these super-sensuous states of being. A realised self is central to our capacity for intimacy, for intense experiences of self are at the very core of intimate exchange. It is this self which is disclosed during intimacy, and it is this self which allows one's partner, or 'other', to be whom he or she is. Relinquishing expectations of reciprocity and tolerating existential separateness determines an individual's upper limit for intense intimacy.
It is also worth noting that intimacy is apparently experienced most rarely in marriage, and most commonly in friendship.
During the 16 years that I have been developing my ongoing practice of Raja Yoga, this relationship that I experience with God has been a crucible for my spiritual growth.
Within the spiritual context of Raja Yoga, we are called upon, ultimately, to experience all relationships with God, to relinquish all our falseness (personality) and relinquish attachment in physical relationships. Instead, we are incited to have spiritual relationships with our fellow souls. This doesn't mean giving up relationships, but it does mean an exchange which takes place between real selves.
The aware soul is not one to coerce or control another, or be controlled. Games of the false personality have no place within the spiritual encounter. When the soul engages in yoga or union with God, the intensity of this connection will be governed by the intimacy tolerance of the person who is meditating. God, I believe, doesn't have problems with intimacy or differentiation, we do. Thus, God comes completely into the union which occurs with us. Because the experience is subtle, if the false self is in the way, the experience of contact will be contaminated by waste thoughts and projections of the personality. We often speak about the fire of yoga, meaning intense yoga or connection, in which the impurity and falseness (of the personality) that the soul carries, is incinerated. There is no other explanation for the magic of what happens. This is the transforming alchemy. Intimacy with God means intense fire, melting down to one's very essence. It is reassuring to realise, especially at times when old pieces of identity seem to have flown far away, that it is only possible to lose what is false. At first the true me is not obvious either, but emerges as a rather quiet, flowing and gentle beingness, relative to the louder experience of ego identity. For all of these reasons, committing to a partnership with God involves the practice of Brahmacharya, meaning physical and mental purity. Brahmacharya is not a path of celibacy through repression, since the mind will not be free, even though the sexual urge may be rigidly (albeit temporarily) restrained. Sexual relationships won't support the task of differentiating in the way that brings us into the company and intimacy of God either, even in a spiritually oriented relationship. Truly spiritual relationships with other human beings are, by their very nature, loving, non-attached, giving and pure. Part of the differentiation process is understanding, in a deep way, that I cannot have my cake and eat it too. Sacrifice is part and parcel of any mature relationship, and the integrity, which develops as a result, carries high dividends. Thus the paths of spirituality and sexuality must, of necessity, diverge, for it is not possible to attain the Parnassus Heights while pulled, even subtly, by body image and attachment. Yet this is a choice we must make for ourselves. God cannot make the choice for us, let alone any organisation or religion. Such a decision remains with the self, alone. Hence the decision must be self-validated, not other-validated or organisation-validated. This is what differentiation is all about, self-validation and self-reference. The decision to practice Brahmacharya is not likely, in the west at least, to be valued and respected by society. It means not conforming, and stepping outside accepted practice. Nor is celibacy a spiritual refuge for undealt with sexual and emotional problems. Sooner or later they will fester, obstructing growth and demanding to be dealt with. This is the nature of the spiritual path. Whatever remains dark and unfinished within me will be exposed. Maintaining the game of repression in the guise of elevated attainment is spiritual suicide. I realise it is almost inconceivable for many to entertain the idea of such a relationship with the Supreme Soul. Sixteen years ago, it was inconceivable to the atheist in me, too. Finding myself in a profound spiritual attraction was, first of all, way beyond the boundaries of my life experience. Later on, the hook, if you like, was that celibacy seemed such a radical thing, it actually appealed to me as much as atheism. I saw it as a brilliant act of rebellion against the beliefs and practices of a society which quite frankly, had let me down.
Three months after I decided to give celibacy a go, to my great surprise a new perspective awakened in me. Overnight, it seemed, I was liberated from the entrenched beliefs, projections and covert web of games between men and women. I was free, realising a new level of respect for the opposite sex, for my own gender, and of course for myself. I realised that the messages, values and double standards of my society had caused me intolerable confusion and pain. Remarkably, at the age of thirty-six, my programming was disabled, the blinkers were off, and I was flying. My worldview was changing fast, as I found myself released into a very different consciousness. When I bravely shared this with one of my friends (who happened to be a sex therapist), she was utterly shocked. Pulling herself up to her full height, "I would never recommend celibacy to any of my clients", she retorted, reeling with horror. Perhaps it is only through direct encounter with God that this practice of purity is possible. I don't know, but I suspect it is. In conclusion, I would like to say just one thing. If God taps you on the shoulder and invites you for the next dance, I wish you the best of luck in refusing.
A Spiritual Lifestyle
What supports the practice of meditation but does not require leaving home, career and family?
A Spiritual Lifestyle
when the songs of remembrance begin,
the child of the Father is lost in the Ocean of Love.
Holding the hand of the Guide,
through the path of confusion inside,
tears become pearls in the silence and passing of time.
The song of remembrance is sung in unlimited rhyme,
the song of remembrance is sung in unlimited rhyme,
Dance away, to the beautiful music you wanted to play,
dance away, in your heart, in your heart.
What is a Spiritual Lifestyle?
Regular daily meditation is the way to build and strengthen your spiritual awareness, experience the natural positive qualities of the soul and achieve freedom from fear. This process is greatly enhanced when your outer lifestyle complements and assists in your spiritual growth. Regular observance of four spiritual pillars, a vegetarian diet, and a balanced routine that incorporates physical and mental relaxation are the elements that comprise a spiritual lifestyle.
Four Spiritual Pillars
A spiritually fulfilling life is based on a foundation of four pillars:
• daily practice of meditation/yoga
• regular spiritual study
• spiritual relationships and fulfilling responsibilities
• the service of humanity
Daily Meditation Practice
Daily meditation/yoga provides the means to explore, discover and reconnect with one's self and with God.
Regular Spiritual Study
Regular, daily spiritual study provides the right quality food for mind and intellect, the two key faculties of the soul.
Spiritual Relationships & Responsibilities
Through the experience of soul-consciousness others are recognized as spiritual beings and a feeling of brotherhood grows. By transcending the divisions of colour, sex and religion, relationships become more smooth and rewarding. The exchange of respect and spiritual love becomes the basis of interaction. The decision to deal with others' good qualities means there is no longer the give and take of sorrow, rather an emphasis on acceptance and tolerance.
Spirituality is not an escape from life's responsibilities. You have a responsibility to your immediate relationships—family, colleagues and friends—and it is in those relationships that your ability to apply what you are learning spiritually will also be tested and strengthened.
Spiritual Service
Finding an appropriate way to use your growing spiritual power and understanding for the benefit of others in the wider community is also a method of sustaining your personal growth. Spiritual service occurs on many levels, including spreading peaceful vibrations into the atmosphere and helping others develop awareness of their own spiritual qualities through good wishes and pure feelings.
Vegetarian Diet
In respecting and caring for our bodies, diet needs deep consideration. A vegetarian diet is especially beneficial in developing the clarity, concentration and subtle focus which spiritual development requires.
With an understanding of the power and quality of thoughts and vibrations, we also give attention to the quality of our consciousness as we prepare and eat our food.
Physical & Mental Relaxation
Providing rest and relaxation for the body is as important as it is for the mind. The body will not relax if the mind is not relaxed; however even when the body is injured or ill, it is still possible for the mind to relax. Meditation is an important self-healing component when one is recovering from physical illness.
The timing and extent of physical relaxation activities depends on your personal metabolism as well as your professional and family responsibilities. However it has long been recognised that the most effective time in the daily cycle for meditation and spiritual development is in the early morning, before the routine activities of the day begin. Taking time each morning to meditate, study and understand spiritual principles and values provides both mental and spiritual nourishment for the day to come.
The Tree of Life
What has a trunk that can't be seen, branches that are no longer green, uncountable leaves of different hues and a lineage that self-renews?
The Tree of Life
Sink your roots deeply into the Earth
Reflect the light of a greater source
Think long term
Go out on a limb
Remember your place among all living beings
Embrace with joy the changing seasons
For each yields its own abundance
The Energy and Birth of Spring
The Growth and Contentment of Summer
The Wisdom to let go of leaves in the Fall
The Rest and Quiet Renewal of Winter
–Ilan Shamir, Advice From a Tree
The Human Family Tree
The lifecycle of a tree in nature – its origin, growth in size, decline and rejuvenation – offers a good analogy for the lifecycle of the Human Family Tree. All parts of a tree are interconnected. Something that happens to one part of a tree affects the whole tree. To look at the almost fully – grown tree of humanity's life on earth today is to observe and understand its journey through time.
Seed of Humanity
The seed of humanity, of the human family, is God, the Supreme Being, the essence from which the whole tree of humanity grows. The trunk of the tree symbolises the era of paradise which emerges from that perfect Seed – that golden era before recorded history when there is unity of belief, culture, language and governance; that period of perfected civilization when there is no difference between the theory and practice of righteous living. People in such a time lack nothing, are totally fulfilled, and share a harmonious way of life. The closeness of the trunk to the seed symbolizes how souls at that time embody God's qualities, living lives based on the principles of truth. Such souls are memorialized in stories and legends as 'gods' and 'goddesses', but few any longer understand that such divine beings actually once walked upon our earth.
The Tree of Life Grows
As a tree grows, its trunk naturally expands in size. Similarly, the human population expands. More 'leaves' (individual human souls) appear on the tree. Just as leaves naturally leave their bud-like state and begin to unfold, so the deities open themselves to greater involvement with the physical world and concern with the physical body – the temple of the soul. Completely unaware that they are losing awareness of their true identity – the soul itself – in the process, they also lose touch with their original nature of purity, peace and truth.
Paradise Lost
This shift in consciousness brings a marked decline in power, purity and the ability to discern right from wrong. Divinity departs. Paradise is lost. Suddenly there is the experience of something other than peace and happiness. Suddenly there are feelings that are strange and uncomfortable. Suddenly there is unpleasantness, unrighteousness, unrest, and untruth. These 'insects' gnaw at many of the leaves and human actions become motivated by ever – growing demands for possessions, prosperity, position, and power. No longer the masters of self, souls become slaves to their desires.
As the unity of the trunk loses its integrity, minds begin to search for truth and hearts to long for comfort. The memory of God, the Seed, resurfaces from the depths of the human psyche. This intensifies the search for truth. In response, great prophet souls one by one make their entrances – Abraham, Buddha, Christ and Mohammed – respectively bringing messages of a return to righteousness, of hope and forgiveness, of mindfulness and of single – mindedness. Each prophet soul establishes the mighty branch of a great religion on the Human Family Tree. The ideals of love, law, enlightenment, and surrender now manifest as major differences in approach.
Chaos and Confusion
Many new leaves emerge on the branches as the human family drastically increases in size. Chaos and confusion ensue as the search for self-realization and truth gives rise to divergent beliefs and ways of thinking. Each main branch diversifies into smaller limbs and twigs. Cults, sects and '– isms' emerge. Meanwhile, within the central trunk of humanity, the worship of nature and of human beings as gurus takes hold. The human family is now divided by colour, race, religion and ideology, its increasing dysfunction mirrored by a corresponding increase in natural calamities, mental and physical disease, poverty and untimely death.
The Tree Reaches its Limits of Growth
In this ever increasing peacelessness more and more people turn toward God; but without knowing who He really is or what He does, doubt in His very existence also arises. The search for truth comes to focus exclusively on physical evidence, giving rise to wondrous advances in science and technology. Quickly faith in the veracity and power of science proliferates while religion and philosophy become materialistic and politicized. Meanwhile among the branches, faith becomes fundamentalism as those who tenaciously cling to traditional beliefs feel compelled to violently defend their views. Religion, language, culture have strayed very far indeed from their roots in divinity.
The tree reaches its limits of growth. Its roots are in a state of decay, its trunk barely visible amidst its jumbled tangle of sagging branches. Each soul hangs on helplessly, like a forlorn leaf on a twig of a wintry tree.
God the Seed Regenerates the Tree
But before old life dies, new life is given by the Seed, the Creator of the tree. God, the Seed of the Human Family Tree, reveals how that which was can be again. Awakened by the advent of this Seed, and deriving strength and sustenance by forming a renewed relationship with this One, individual human souls become foundational roots from which a new young sapling can emerge. The regeneration of the Human Family begins.
Meditate deeply, visualizing yourself as a root soul sitting close to God, the Seed of our Human Family. Draw from that Seed the eternal essence of all that can be attained in life. Remain beneath the canopy of the knowledge of our Human Family Tree and all of your pure desires will be fulfilled.
Why Are We Here?
What has a cast of billions, unlimited scenes and contains all the infinite possibilities of human expression and experience?
The Eternal World Drama
And the painted ponies go up and down
We're captive on the carousel of time
We can't return, we can only look behind
From where we came
And go round and round and round
In the circle game
–Joni Mitchell, The Circle Game
Eternity: Time as a Cycle
It is difficult for the mind to comprehend eternity – no beginning, no end. Reasons 'why' are moot and mute when there's no starting place. If I look at a circle, at a wheel, it is impossible to find the beginning or the end. Can such an image help me understand eternity?
As I look at the natural world around me, I see never – ending cycles everywhere – in the waxing and waning of the moon; in the gradual changing of the seasons; in the measure of time on the face of a clock. Nothing in nature is a straight line. Why should human nature be an exception?
The World Drama Cycle
The World Drama is a story of human souls, their rise and fall, victory and defeat, happiness and suffering, wisdom and ignorance, freedom and bondage. It is the story of the play of good and evil forces, and of the different stages through which human souls pass in five different epochs (acts). It is the story of humanity on its dramatic journey through the cycle of eternity. It is the greatest story ever told… And we all love a good story!
The Five Acts of the World Drama
Act 1 The Golden Age
Act One begins with the early morning scene of a golden age. Each individual manifests the divinity of purity, peace, happiness, love, and truth with complete inner harmony. Their loving actions and interactions are the threads of the fabric of society. These are divine beings whose respect for nature is such that they are served with abundance from the earth. Family life is fulfilling because relationships are based on mutual honesty and trust. The behaviour and attitude of all is selfless and sharing. The integrity of the soul is expressed in its natural wisdom and spiritual accomplishment. It is paradise.
Act II The Silver Age
Act Two continues with an afternoon scene in which a very gradual decline is taking place, unnoticed by the actors, who have significantly increased in number. Even though they are still radiant with love and peace, even though nature is still resplendent with colour and beauty, the original freshness that characterized the morning has gone. The actors are paying greater attention to external form and function and less to inner realities; the experiences of the senses are leaving impressions on the soul. Integrity begins to give way to influence. Material resources are spread a little more thinly to accommodate the growing demand. Although there is no negativity or sorrow, and all remain masters of the arts of life, the quality of everything is slightly less.
Act III The Copper Age
The change from Act Two to Act Three as evening begins is a dramatic one. It is marked by a massive shift in consciousness from self–awareness to self–forgetfulness. This forgetfulness of the true spiritual self creates duality within the minds of the actors. The first traces of conflict within and of external strife appear within the play. This fall from the grace of soul–consciousness into the illusion of body–consciousness brings with it the loss of mastery. Human beings become compelled by a search for power and possessions to compensate for a growing inner void. Even while searching for lost truth and enlightenment they are deceived into believing that accumulating material possessions will bring them security and peace of mind.
Act IV The Iron Age
Act Four finds the stage of the world in total darkness, illusion and despair. There has been an extreme decline in moral, ethical and spiritual values. Human beings are chained to the pillars of immoral practices and habits. Widespread sorrow and unrest have become the norm of human experience. The world is divided into many groups, many of which are pitted against each other in games of power conditioned by self–interest and expediency. The human family is at a breaking point. As the night wears on, the population explodes exponentially until the planet's resources reach their limits.
Act V The Diamond Age
Act Five consists of only one scene in which the Director of the Drama becomes the primary Actor. He appears quietly in one corner of the stage and begins to unveil the truths inherent in the story of human life: the truth of the immortality of the soul, its true, eternal relationship with God and the true path to upliftment and fulfilment. These words of truth stir, in the actors, deep memories of their long distant past; there is an awakening. Standing at the dawn they can again observe the carousel of life in its entirety – from divinity to duality, from gold to iron – each soul melding with the eternal rhythm within every moment until it comes full circle. With love for God in their hearts and truth once again permeating their being, the actors dance their way gradually off the stage, united in their vision of the approaching golden morning. The darkness of the night slowly lightens into the dawn of the new day. As the curtain comes down on Act Five, it rises again to mark the beginning of Act One. Humanity has come full circle: the old journey of life has ended; a new world begins.
Has the script of this drama rung any bells? Have you ever experienced Dיja vu – the feeling that you've been here before? What if the story is true – that you really have come to this place in time once again?
What is Karma?
What gives exactly as much as it takes? Goes and comes around? What shows an effect but hides its cause?
The first thing we do is take a breath.
Then we must give it back.
This is the rhythm of life.
This is a natural law of reciprocity
Where everything and everybody is affected.
You start by taking what you end up giving.
This is the law of cause and effect.
This unwritten law encompasses every action we perform.
This is the law of perfect justice.
We always get the return of everything we give.
What is Karma?
Karma is a natural spiritual law or principle which governs all our interactions. It starts with the seed of thought which develops and grows over time through our feelings, attitude, words, actions, and relations. It finally settles into our souls as personality traits, only to emerge again in the form of another thought.
The Law of Karma can be understood as the spiritual equivalent of Newton's Third Law of Motion, which states that for every action [on the physical plane] there is an equal and opposite reaction. In physics, the understanding of the absoluteness of Newton's law shed so much light on a world that had previously been shrouded in mystery, that today it lies at the foundation of many advances in science and technology.
The Law of Karma
The Law of Karma is equally unequivocal in the spiritual dimension. It states that 'for every action on the spiritual plane there is an equal and opposite reaction'. This means that if happiness is given, happiness will be experienced in return and if sorrow is given, sorrow will be experienced in equal measure. In other words, whatever emotion I cause another to experience must ultimately become my own experience.
Consequences of the Law of Karma
Understanding the Law of Karma makes me aware that each action (or karma) causes a return, a consequence; equally, events (and their effects) can only occur when there has been a corresponding cause. This means that whatever circumstances I'm in at the moment – whoever or whatever is compelling me or repelling me and whatever I am experiencing – is the consequence of my own prior thoughts, decisions and actions. Understanding the Law of Karma gives deep significance to concepts such as responsibility and justice.
Sometimes the Law of Karma is only half understood. Someone may think helplessly, "If whatever is happening to me now is because of my past actions, then there's nothing I can do about it". But if the past created the present, the present also creates the future. Instead of being a slave to one's past, understanding the Law of Karma inspires us to actively participate in creating our own destiny.
Law of Karma: Absolute Justice
Thought is a seed; action is its fruit. The quality of fruit is determined by the quality of its seed. Good thoughts lead to good actions which benefit others as well as one's self. The Law of Karma begins to work to my advantage when I stop habitual actions that are harmful, take responsibility to positively address the consequences of any such actions performed in the past, and pay attention to performing positive actions from this moment forward. The Law of Karma is a law of absolute justice whose long arm reaches easily from one life to the next, enabling the soul to reap the fruit of whatever seeds it has sown and to create the destiny it wants.
Meditation enables me to understand my karmic circumstances, empowers me to settle my 'karmic accounts' in the best possible ways and shows me how to accumulate 'karmic credit' for the future.
Who is God?
Who has been remembered as the Ocean of Love, the Intellect of the Wise, the Almighty Authority, the Comforter of Hearts, the Truth, The Living Being and the Blissful One?
I show you the path of love.
My love remains unbroken and constant.
I cannot forget even one of you.
I have so much love for you,
and My love is unconditional and unlimited.
I am the Beloved.
You have been calling out to Me for a long time.
Who Is God?
We are used to knowing things by seeing them, hearing them, tasting them, touching or smelling them. Most of us have grown up in a 'seeing–is–believing' and 'hands on' culture and we are used to perceiving things in that way. Because we can't see, hear, taste, touch or smell God, the question arises – is God for real?
One can reach out to God with pure thoughts and be connected to Him. The soul experiences the response of pure feelings and spiritual strength. God is truth itself and thus can be recognized with the eye of truth.
God: The Supreme Soul
Like us, God is also a soul. Unlike us, He is referred to as the Supreme Soul – the only soul who never takes a body (gross or subtle, human or angelic) of His own. He is beyond the effects of actions and is never subject to the dualities of birth and death, pleasure and pain, success and failure. Being beyond the limits of time of this physical world, He retains absolute knowledge of the universe and all its dimensions.
Where is God?
God lives, not everywhere but somewhere. A thought of God almost always takes the eyes upwards, as though one is perhaps expecting a face to miraculously appear from behind the clouds or to beam down from the moon. Thoughts are powerful. They link one soul to another. If they are properly channelled, thoughts can even go where only the soul can travel – beyond the moon and stars to a dimension of golden red light, the original home of all souls. Immersed in the experience of the warmth of this light, the soul feels as though it is truly at home at last, and with God.
God – The Spiritual Sun
Like the physical sun, which gives light and life indiscriminately to all beings, God is the Spiritual Sun, giving light to all, whomever and wherever they may be. He serves altruistically, without any selfish motives, reminding each one of their innate qualities of love, peace and happiness. This is why He has been remembered in some countries and cultures by the name Shiva, The Benevolent One.
God's Wisdom, Love and Power
People may wonder why, if God exists, He doesn't wave a magic wand and fix things, making or at least influencing everyone so that they do exactly what they 'should' do. But God never takes away anyone's freedom of choice. God's wisdom is to recognize and respect each soul's individual identity, freedom and inherent goodness. God shares knowledge – a profound understanding of the dualities and dilemmas of love and hatred, happiness and sorrow, victory and defeat, etc. – but He does not make our choices for us. The soul is free to choose 'to be or not to be', 'to love or not to love'. God's love strengthens the soul's will to free itself from the distresses caused by vices such as selfish desire, anger, fear, ego and attachment. God's power helps the soul to recognize its highest potential and to aim for perfection by practising the art of simple living and high thinking. Such practice by a significant number of souls eventually brings about positive change in the whole of humanity.
When you learn to tune your mind in meditation to the mind of God, then whatever the situation, you always have a source of help and strength to draw upon – an infinite reservoir of power and virtues that is only a thought away.
Where Have I Come From?
Where have I come from? And whence shall I return?
The Soul World
There is a land called Paramdham.
It is a world of peace,
A world of light,
A world all souls once knew as Home.
We journeyed here to play our parts
We soon forgot
Where we had started from.
Weary souls now long for Home once more.
Where have I Come From?
When I begin to consider myself to be a soul, the question often arises, "Where do souls come from?" In meditation I can explore dimensions of consciousness beyond the physical senses. Experiencing these dimensions increases my awareness of subtle realities of thought and feeling and ultimately takes me to a place of utter peace, purity and silence in which I feel as if I've returned to my original 'home'. Together, the physical, subtle and soul 'worlds' comprise the three main levels of human consciousness.
The Physical World
The world in which we are now living is known as the physical or corporeal world, because all living beings here have a gross, corporeal or manifest form. The physical earth can be thought of as a vast stage where we 'play our parts' in the drama of life, in different bodily 'costumes'. It can also be thought of as a field, where seeds of action are sown and fruits are reaped as experiences of happiness and sorrow. Here 'time', 'space', 'history' and 'geography' are important parameters of existence; here the laws of science apply. It is a world of expression and experience.
The Subtle World
Beyond the limits of the vast expanse of our solar system and distant galaxies there are regions of non-material light, unreachable by physical means and inaccessible to the physical senses. These realms can only be experienced through deep meditation and divine insight. The subtle world is an intermediate dimension of pure, positive luminous energy in which there is the experience of one's subtle body of light and communication with other souls through pure spiritual thoughts and vibrations.
The Soul World
Beyond the physical realm of action and the subtle realm of pure thought lies an infinite, timeless dimension of complete stillness, silence and peace. Suffused with golden-red luminosity, this is the realm of God, the Supreme Being, Parent of all souls. It is the original home of all souls, where we once dwelt in a dormant, seminal state of total belongingness and bliss. Experiencing this 'supreme region' (Paramdham) of highest consciousness in meditation renews and recharges the soul, empowering it with the strength to play its part in the physical world with peace, equanimity and enlightened clarity.
Going Home
In Raja Yoga meditation, not only do I journey inward to experience my essential self; I also journey upward into higher consciousness, going beyond the awareness of the physical body and the physical world. With practice I am able to perceive and experience the dimension of pure soul consciousness, beyond sound, activity and thought. In this place or state of awareness I experience complete freedom, peace, rest and comfort, as if I've come home to a place where I truly belong and where I can simply be.
Why believe in Reincarnation?
What exchanges old for new, offers no special deals or closeouts, and keeps us coming back for more?
Know this while you are.
Reincarnation is the natural
process of recycling human energy through
birth, growth, decay and death.
Each rebirth is a link in one's eternal chain
of latent impressions, thoughts, desires and actions.
The soul in its new body is given the opportunity
to learn from the past, to live the present and to prepare for the future.
Reincarnation: Why Believe?
Once I have begun to base my sense of 'who I am' on perceiving myself as a soul rather than on perceiving only my temporary costume, the body, I deeply realize that, as a being of spiritual energy giving life to the body, I am immortal. I begin to understand that I change bodily costumes just as a snake sheds its skin, but I – the eternal soul – can never die.
Death and Rebirth
At the moment of physical death, the soul withdraws its energy from the organs of the body and vacates its seat in the middle of the forehead. It takes with it the impressions accumulated in that life and enters into the body of an unborn baby, while that new body is still being formed in its mother's womb. This normally happens between the fourth and fifth month of pregnancy. A human soul only enters a human body. The type of body the soul enters and the conditions of birth are determined by the past actions of the soul in its previous life or lives, and the cumulative account of give and take that it has built up with other souls. Without proper understanding of this process, the leaving of one body and the taking of another is often an experience of great fear and anguish; but the details of the old life are soon obliterated by new experiences so that the soul is not overwhelmed and confused by past memories.
Reincarnation: What You Take With You
By the time the baby's body and brain are developed, the soul has all but forgotten the past and become accustomed to its new conditions and to the parents of its new body. However, although the soul cannot usually remember details of its past life or lives, it carries with it—in the form of attitudes, tendencies and personality—the cumulative effect of all that it has experienced and learned. All that is genetically brought to the new life is the physical make-up of the body, the racial type, the colour of eyes, shape of nose and so on. And although the environment in which a child is raised – as well as the personalities of those around the child – definitely exert an influence on the child's development, its tendencies and reactions to people and events are not biologically generated but are inherent in the soul from previous existences. Those predominant impressions recorded in the past life soon begin to manifest themselves and are expressed in the new surroundings.
Relationship in Other Lifetimes
Human life is based on inter–relationships between souls, which in turn are based on the different impressions present in each. These impressions determine the course of life, the nature of the soul's activities and its physical placement in a particular environment. Thus there is typically a link or an 'account' between two souls who have formed a relationship in one lifetime; that link will bring them together again in other lifetimes. This explains why many people have the sense of having met or known a person before, even though they are apparently meeting for the first time. Or they experience meeting someone with the feeling of either attraction or repulsion even though they don't know them well enough in the current life to have developed those feelings. What is taking place is that the soul is recognizing the other soul – even though they have different bodies – from the last time they met.
Reincarnation: Process of Rebirth
Reincarnation is a process of rebirth. With each death comes a new birth and the opening of a new chapter in the never ending story of life. With each new birth the soul carries on with its journey through eternity where it left off in terms of its 'accounts' in the previous birth. The soul is not the victim of an angry or vengeful God condemning it to a lifetime of deprivation or suffering for no apparent reason. The soul inherits a past created by its own self. The fact that the precise past causes for the circumstances of the new life are not apparent or visible does not mean that they don't exist. In other words, a soul born in fortunate circumstances is not the recipient of God's grace or blessings; rather it is reaping the reward of its own generous and beneficial actions done in the previous birth(s). Each soul is constantly experiencing the effect of some past action and also planting seeds to be reaped as some future fruit.
The understanding of reincarnation reinforces, in meditation, the experience of my own immortality, my eternal existence as a soul. This is excellent medicine for many types of fear, anxiety and limited thinking.
Who am I?
What is it that a razor can't cut, fire can't burn, water can't wet, nor can the wind dry?
The Soul
This is you
Imagine a tiny point located where thoughts come from.
That point thinks, remembers and decides.
This point is you.
The point where every emotion is born…
This is you.
A spiritual being interacting through the body…
This is you.
The eternal source of life and life's experiences, the seat of self–esteem and self–respect.
This is you.
Who Am I?
Has your sense of identity been changing lately? Are you experiencing a move, a change of career, or your children leaving the nest? Do you have the vague feeling that you could be doing something that has greater heart and meaning for you? Are you re–evaluating your life's purpose?
Change loosens the tight hold that my sense of bodily identity generally has on me. Because the familiar labels that have defined how I think of myself are changing, I feel uncertain as to who I really am and unclear as to how to find out. It is fortunate when such uncertainty causes me to search for my true identity with fresh openness, for then I am naturally led towards a state of higher awareness.
I am a soul
The spiritual knowledge of the Brahma Kumaris encourages each of us to visualize ourselves as a spiritual being, an infinitesimally tiny star, a minute point of invisible luminous non–physical energy, that is, as a soul. Is this really who I am? For so long, I have thought of myself as woman, or man; as a physical being rather than a spiritual being…
Allow yourself to experiment. For a few moments think of yourself as a tiny star of pure living light – the light of the energy of consciousness. Think of yourself as a soul, the 'being' located in the centre of your forehead, behind the 'windows' of your eyes. When you are in this awareness, you are soul conscious. This is your spiritual identity.
Self Realisation
Throughout time, philosophers have affirmed that by stepping beyond the limitations of the egocentric self, an individual can experience 'self realization'. With this realization comes a deep understanding of the worth of a human being. When I am soul conscious, my sense of identity is derived from the inherent worth of the soul, rather than from the limited impermanent image of the body.
After self–realisation comes self–remembering. To remember who I am is to develop the ability to maintain soul consciousness as I think, move and interact – to mindfully use my mind and body with wisdom, care for them with accuracy and discipline, and communicate respect and love through my attitude, thoughts, vibrations and expressions.
Soul: Mind, Intellect and Personality
Every soul has three separate faculties which are inherent in all human beings irrespective of place of birth. Just as electrical energy produces warmth, sound or light depending on the device through which it passes, similarly, the energy of consciousness functions through three different but closely connected faculties, referred to respectively by the terms mind, intellect, and personality.
The Mind
With the power of the mind, one imagines, thinks and forms ideas. Thoughts are created in the mind. The thought process is the basis of all emotions, desires and sensations. It is through the minds that, in an instant, thoughts reach anywhere, a memory can be relived and the feeling of happiness or sadness is experienced. The metaphysical mind should not be confused with the heart, the physical organ that maintains blood circulation.
The Intellect
Thoughts are processed and interpreted by the intellect. This is the faculty which understands. The capacity to understand is perhaps the single most crucial ability of the soul. Clear understanding of anything is possible when the intellect becomes broad, deep and farsighted through the regular study of spiritual knowledge and the disciplined practice of meditation. The intellect also reasons, memorizes, discriminates and makes decisions. The non–physical intellect should not be confused with the physical brain, which is the physical focus of the nervous system. The brain is the soul's control panel; it provides the facilities for the soul's expression.
The Personality
Any action once performed leaves an impression on the soul. Habits, temperaments and tendencies are all embedded in the soul (as images, feelings, sounds, trains of thought, etc.) as a result of every action performed. The most fundamental feature of every soul, its personality, is determined by such stored impressions. These impressions, formed in the past, are the reservoir which we draw upon, often sub–consciously, as our source of thoughts and actions in the present.


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I have asked my boys [about their experience] and they said there were a couple of kids that walked around with the Make America Great Again hats, but those kids were in the minority. MadameNoire is a sophisticated lifestyle publication that gives African-American women the latest in fashion trends, black entertainment news, parenting tips and beauty secrets that are specifically for black women. Threads collapsed expanded unthreaded. In France, he soon joined with a number of promising young French scholars to develop a Chinese-French dictionary. We can discuss politics with no problem because we are on the same page. No significant gender difference was found among Blacks.
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text:
"I hear Jerusalem bells a ringing
Roman cavalry choirs are singing
Be my mirror, my sword, my shield
My missionaries in a foreign field
For some reason I can't explain
I know Saint Peter won't call my name
Never an honest word
But that was when I ruled the world."
from "Viva La Vida"
Once again, Coldplay proves a pillar in Brit pop/rock with a genre-defining sound swimming in texture and ambience. Once again, they've yielded a hit album, selling more than 720,000 copies of Viva La Vida in its first week of release. Once again, it's an album rife with spiritual themes, packed with more explicit biblical imagery than 2002's A Rush of Blood to the Head and 2005's X&Y combined. And once again, many are expressing some frustration over Coldplay's lyricism. The band is consistent, if nothing else.
Considering that many classic bands have reveled in the cryptic (Radiohead), the abstract (U2), and the nonsensical (The Beatles), it's odd that some critics would be so quick to dismiss Coldplay's songwriting as meaningless. Most all the band members in previous interviews have openly shared a belief in God and some understanding of the Christian religion, so with all the consistent spiritual references on this album, is it really all pointless babble to hang their stylish sound on? Coldplay has also indicated that the song sequencing is important to their work, making >Viva La Vida worth exploring track by track.
After establishing a hopeful U2-ish mood with the short instrumental opener "Life in Technicolor," Coldplay immediately shifts gears with the comparatively somber "Cemeteries of London," which plays like an old English folk song gone alternative-pop. Chris Martin's words suggest a kind of ghost story that leaves us to wonder ...1
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text:
|Back to the "Download stats for Bioconductor annotation packages"
This page was generated on 2020-08-01 03:05:43 -0400 (Sat, 01 Aug 2020).
human1mv1cCrlmm home page: release version, devel version.
Number of downloads for annotation package human1mv1cCrlmm, year by year, from 2020 back to 2009 (years with no downloads are omitted):
All years in one file: human1mv1cCrlmm_stats.tab


text:
Remote meeting platform for resolving customers' queries4.68/5 (1,630 reviews)
I use this software on a daily basis to keep IT operations within my organization running like a well-oiled machine. Our pharmacies are very remote and the ease of deployment makes it a breeze to troubleshoot any machine located anywhere from anywhere.
ConnectWise Control was incredibly easy to implement, and is very powerful. It comes with so many tools and features that are invaluable and solve complex problems very simply.
No cons really. Any features and updates or nice-to-have's are added by their development team in subsequent updates, and they really do listen to their user base.
Rating breakdown
Likelihood to recommend: 10/10
Overall this is one of the best remote control software products I've ever used. Overall it's very smooth to operate, on low speed or high latency connections, it will still work, but has (obvious) delays. Despite this, it's still possible to get the work done, there are just delays that make it appear as though you aren't doing anything since you're waiting for the next screen to render. This is especially bad during UAC prompts. I have been using this product for many years now and have rarely run into issues with it. For the price point though, this is the best product on the market and scales based on your needs.
- Ease of use - Quick setup (cloud version) - Minimal training required - Easy customization - Solid connectivity - Requires no end user training
- Speed of connection varies greatly when using the cloud vs on-prem - Must have a decent internet connection to use efficiently - UAC prompts will cause the connection to slow down to a crawl even on good internet (not sure if a connectwise issue or a windows issue)
Rating breakdown
Likelihood to recommend: 10/10
I am not the administrator of this software, but I am a tech that uses the software to carry out administrative tasks on client computers. LabTech (ConnectWise) offers a pretty solid remote management tool that does a good job offering tools beyond simple remote access to client computers. We use two different remote management software solutions where I work. I will say, LabTech isn't the one I like the best, but it does have some key benefits over the other software.
I really enjoy having a toolbox full of things I regularly use that I can transfer to the client's computer with just a few clicks; I can install tools like Putty, IP Scanners, TreeSize, and more without having to download them from a web browser each time I need them. I also enjoy how easy it is to upload/download files to/from a client computer as the situation dictates. Our other remote management software requires a roundabout way of doing this, but the capabilities are built right in for LabTech (ConnectWise). Other useful abilities include the blocking client input or even their view, and being able to draw on the screen as well.
When using the Automate software to interface with a client computer instead of the remote access software, sending commands and/or pulling data is quite slow. Get ready to wait 1-3 minutes for each send/receive request to complete. Thankfully, with the addition of CMD/PowerShell capabilities within remote access app by using the "Background" profile, I don't find myself using these features very often. They are sometimes necessary when the remote access app is not working properly on the client's computer though.
Rating breakdown
Likelihood to recommend: 10/10
see above you could have had the market targeting alot of users and devices all around the world with your good fair pricing but everything else is not so good as it was -- with webex, teamview, logmein, ultravnc free, dameware, Zendesk, anydesk, realvnc just to name a few we as IT professional cant afford to look stupid with virus threats coming up with screenconnect and telling people all these instructions to get control your one step installer plugin never worked !! but good pricing kind of scary that others offer like sysaid and others not offering anything for the small guys like you did --- by the way i was talked into the AUTOMATE product --- worst product ever! i spent a bit over a half a day cleaning it off and restoring all systems. It would not do what it was suppose to do at all --- slowest connection and unusable at all it was connected but would wind up my systems on some process i had to shut them down and clean the drives of any traces of AUTOMATE -- no software has done worse and your sale and support did not believe me i showed them proof they laughed and said they have never used it professionally thanks any more information happy to help maybe you could be the next big thing all the ideas are there but it all fell apart and you need to do almost a 180'
THE price compared to TEAMVIEWER AND LOG|ME in i was not a large operation so the licensing suited i loved the idea that i could make it a subdomain of my site or just have a link and it was White labelled affordable once i was remotely connected it was fine It has many integrations and partnered up with a lot of companies
Its a pity you have not a better business relationship with antivirus companies in most occasions and it was happening more and more that it would be picked up as a virus --- not good and worrying it has many integrations and features ---- these features were hard to install and because there was many versions - most the time hard to get the right compatibility -- these integrations should be one click or a signup here and there --- i wouldnt have minded paying good money if these would at least work It was not very intiutive some tasks -- like the whole process i would go through with clients download the exe or file then double click on it --- if you miss it , it will be in your downloads then click run follow prompts then allow and no at this point i would sometimes get a prompt to update the software not good, not good at all your sales and support staff could not give a dam because i was a small 1-15 users account it was not very easy and intuitive initially to do file transfer - have you used team viewer? most respectable organisations wont allow 8041 port through there firewall it has lost its good reputation that support users at the large universities have originally given it being considered unsafe and treated as a threat - i know that i could make it an exemption in the AV software but it came up as threat after the fact as if it later was damaged as professional tool with all the quality secure easy products on the market these days | cisco webex|
Rating breakdown
Likelihood to recommend: 6/10
I've tried so many remote access platforms in the past. For me they all failed when it came to support sessions for unmanaged clients. The others didn't have the features, the price was too high, and/or they were to difficult for my users. I'll be using ConnectWise Control forever.
Setting up online meetings - easy. Someone needs me to remote into their computer for the first time while I'm on the beach - easy. I need to maintain unattended access to over one thousand machines - you guessed it, easy. My favorite feature is sending my clipboard as keystrokes. I've used it a million times. The "Wake From Sleep" option has saved me from certain death on numerous occasions.
Not being able to remote into physical machines that don't have a connected display is super annoying.
Rating breakdown
Likelihood to recommend: 10/10
ConnectWise Control offers free trial for new users, after which the software is available across three pricing tiers on monthly and annual subscriptions as follows:
One: $24 per month (billed monthly), $19 per month (billed annually)
Standard: $42 per month (billed monthly), $35 per month (billed annually)
Premium: $54 per month (billed monthly), $45 per month (billed annually)
Plans with unattended access agents start from $38 per month (billed monthly) and $30 per month (billed annually) for 25 agents.


text:
– over 12 years ago
Real Estate Sales Representative
Kris Jensen
Hudson, WI
Keller Williams Realty
Keller Williams Realty Inc.
Rainer 3,500
Keller Williams Real Estate Consultant serving the St. Croix River Valley and Western Wisconsin. Voted Super Real Estate Agent 2005, 2006 & 2007 by Mpls. St. Paul Magazine. GRI Certified.
Kris Jensen's Blog Posts
– over 12 years ago
1644 87th Avenue, Hammond, WI 54015
– over 12 years ago
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Introducing a fresh new look for your Profile.
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text:
Homeownership Rate Continues to Rise in 2020
So far, it's been quite a ride this year, and our nation has truly seen its fair share of hurdles. From COVID-19 to record unemployment and then the resulting recession, just to name a few, the second quarter of 2020 has had more than a few challenges. Amidst the many roadblocks, however, the U.S. homeownership rate rose again, signaling great strength in the recovery of the housing market and an indication that even in a time of crisis, Americans still feel confident about buying a home.
Yesterday, the U.S. Census Bureau announced:
"The homeownership rate of 67.9 percent was 3.8 percentage points higher than the rate in the second quarter 2019 (64.1 percent) and 2.6 percentage points higher than the rate in the first quarter 2020 (65.3 percent)."
The increase is also represented by race and ethnicity of the householder:There are many reasons why the homeownership rate in this country is rising, and one of the key factors is historically-low mortgage rates. Rates hovering at all-time lows are helping to drive affordability and enabling more potential homeowners to enter the market today. According to Ralph McLaughlin, Chief Economist for Haus:
"Mortgage rates are the icing on the cake for households that were thinking about buying…They found an unexpected opportunity during the worst economic downturn America has seen since the Great Depression."
In addition, many potential homebuyers have been using their time this year to search for homes that offer more space than their current rental apartments. Many of these homebuyers are younger and, as noted by Odeta Kushi, Deputy Chief Economist at First American, are the buyers driving the homeownership rate in an upward direction:
"Big jump in the homeownership rate today, mostly driven by younger households. We saw a spike in the number of owners, and a decline in the number of renters. This is the highest rate of homeownership since 2008."
This growth is outstanding news for the housing market and for those who have recently found their new homes. If homeownership is on your shortlist this year, maybe now is a great time to meet with a real estate professional to evaluate your current situation. Perhaps historically low mortgage rates can help you to become a homeowner too.
Bottom Line
If you're thinking of buying a home this year, let's connect today to take your dream one step closer to reality.
Announcement from the census: As a result of the coronavirus pandemic (COVID-19), data collection operations for the CPS/HVS were affected during the second quarter of 2020. In-person interviews were suspended for the duration of the second quarter and replaced with telephone interview attempts when contact information was available. If the Field Representative was unable to get information on the sample unit, the unit was made a Type A no interview (no one home, refusal, etc.). See the FAQ for more information.
Guidance and Support Are Key When Buying Your First Home
In June, the number of first-time homebuyers accounted for 35% of the existing homes sold, a trend that's been building steadily throughout the year. According to the National Association of Realtors (NAR):
"The share of first-time buyers increased in March through June—right into the heart of the pandemic period and the surge in unemployment—and is now trending higher than the 29% to 32% average in past years since 2012." (See graph below):
Why the rise in first-time homebuying?
NAR continues to say:
"The major factor is, arguably, low mortgage rates. As of the week ended July 16, the 30-year fixed mortgage rate dropped to 2.98%. With rates so low that are locked in under a 30-year mortgage, the typical mortgage payment, estimated at $1,036, has fallen below the median rent, at $1,045. For potential home buyers who were thinking of purchasing a home anyway before the pandemic outbreak and who are likely to remain employed, the low mortgage rate may be the clincher."
Clearly, historically low mortgage rates are encouraging many to buy. With the average mortgage payment now estimated at a lower monthly cost than renting, it's a great time for first-time homebuyers to enter the market. According to the Q2 2020 Housing Trends Report from the National Association of Homebuilders (NAHB):
"Eighty-four percent of Gen Z's planning to buy a home are first timers, compared to 68% of Millennials, 52% of Gen X's, and 21% of Boomers. Looking at results by region shows that over 60% of prospective buyers in the Northeast and South are buying a home for the first time. The share is above 55% in the Midwest and West."
There are, however, challenges for first-time buyers. A recent survey conducted by NeighborWorks America also notes that understanding the homebuying process may be the most significant barrier for many hopeful homeowners:
"Homeownership is a particular challenge for many, despite high levels of interest. Americans believe there are many benefits to homeownership and half of non-owners will seek information about the process in the next few years…a large share of non-owners say the process is too challenging and only a minority know where to find advice if they wanted it. And although many would seek the guidance of community and non-profit programs, only one in three non-owners are aware of such services."
If you're among the first-time homebuyers who feel the process is complicated, you're not alone. If you're not sure where to begin or you simply want help in figuring out how to save for a home, finding a trusted real estate advisor to work with is a critical step toward your success. A real estate professional can help you understand the process, review your current situation, and guide you with a plan to help you to feel confident when buying a home.
Bottom Line
If you're interested in purchasing a home and need help getting started, let's connect today so you can take advantage of the support available to guide you through each step of the way.
Home Sales Hit a Record-Setting Rebound
With a worldwide health crisis that drove a pause in the economy this year, the housing market was greatly impacted. Many have been eagerly awaiting some bright signs of a recovery. Based on the latest Existing Home Sales Report from the National Association of Realtors (NAR), June hit a much-anticipated record-setting rebound to ignite that spark.
According to NAR, home sales jumped 20.7% from May to a seasonally-adjusted annual rate of 4.72 million in June:
"Existing-home sales rebounded at a record pace in June, showing strong signs of a market turnaround after three straight months of sales declines caused by the ongoing pandemic…Each of the four major regions achieved month-over-month growth."
This significant rebound is a major boost for the housing market and the U.S. economy. According to Lawrence Yun, Chief Economist for NAR, the momentum has the potential to continue on, too:
"The sales recovery is strong, as buyers were eager to purchase homes and properties that they had been eyeing during the shutdown…This revitalization looks to be sustainable for many months ahead as long as mortgage rates remain low and job gains continue."
With mortgage rates hitting an all-time low, dropping below 3% for the first time last week, potential homebuyers are poised to continue taking advantage of this historic opportunity to buy. This fierce competition among buyers is contributing to home price increases as well, as more buyers are finding themselves in bidding wars in this environment. The report also notes:
"The median existing-home price for all housing types in June was $295,300, up 3.5% from June 2019 ($285,400), as prices rose in every region. June's national price increase marks 100 straight months of year-over-year gains."
The graph below shows home price increases by region, powered by low interest rates, pent-up demand, and a decline in inventory on the market:Yun also indicates:
"Home prices rose during the lockdown and could rise even further due to heavy buyer competition and a significant shortage of supply."
Bottom Line
Buyers returning to the market is a great sign for the economy, as housing is still leading the way toward a recovery. If you're ready to buy a home this year, let's connect to make sure you have the best possible guide with you each step of the way.
A Real Estate Pro Is More Helpful Now than Ever
Some Highlights
- A recent study shared by NAR notes that both buyers and sellers think an agent is more helpful than ever during the current health crisis.
- Expertise and professionalism are highly valued and can save buyers and sellers time and effort along the way.
- If you're thinking of buying or selling a home this year, let's connect to be sure you have a trusted professional on your side.
Not All Agents Are Created Equal
In today's fast-paced world where answers are just a Google search away, there are some who may question the benefits of hiring a real estate professional when selling a house. The reality is, the addition of more information can lead to more confusion. A real estate agent can be your essential guide, but truth be told, not all agents are created equal. Finding the right agent for you and your family should be your top priority when you're ready to sell your house.
The right agent is the person who can truly walk you through the whole process, look out for your best interest, and seamlessly lead you through all the steps along the way. In today's complex market, the way we execute real estate transactions is changing constantly, especially as more elements can be done virtually. Making sure you have the best advice on your side is more important than ever.
So, how do you choose the perfect agent?
It starts with trust. You must trust the advice this person is going to give you, and you'll want to begin by making sure you're connected to a true professional. An agent can't give you perfect advice because it's impossible to know exactly what's going to happen at every turn – especially in this unique market. A true professional agent can, however, give you the best advice possible based on the information and situation at hand, helping you make the necessary adjustments and best decisions along the way. The right agent – the professional – will get you the best offer available. That's exactly what you want and deserve.
What do you need to trust your agent to do?
1. Navigate the Process
There are over 230 possible steps that take place during a successful real estate transaction. Don't you want someone who has been there before, someone who knows what these actions are, to ensure you have a positive selling experience?
2. Negotiate on Your Behalf
Today, hiring a trusted and talented negotiator could save you thousands, perhaps tens of thousands of dollars. Each step – from the buyer submitting an original offer, to the possible renegotiation of that offer after a home inspection, to the potential cancelation of the deal based on a troubled appraisal – you need someone who can keep the deal together until it closes.
3. Price Your House Competitively
There's so much information in the news and on the Internet about home sales, prices, and mortgage rates. How do you know what's going on in our local area? Who do you turn to in order to competitively and correctly price your home at the beginning of the selling process?
Dave Ramsey, known as the financial guru, advises:
"When getting help with money, whether it's insurance, real estate or investments, you should always look for someone with the heart of a teacher, not the heart of a salesman."
Hiring a trusted professional who has a finger on the pulse of the market and is eager to help you learn will make your experience an informed and educated one. You need someone who's going to tell you the truth, not just what they think you want to hear.
Bottom Line
Today's real estate market is highly competitive. Having a trusted professional who's been there before to guide you through the process is a simple step that will give you a huge advantage when you're ready to sell your house. Let's make it happen together.
Buyers: Are You Ready for a Bidding War?
With businesses reopening throughout the country and some experts indicating early signs of a much-anticipated economic recovery, more homebuyers are actively entering the housing market this summer. Today, housing is truly driving the U.S. economy forward. With so many buyers looking for homes to purchase and so few houses for sale right now, there's a disconnect between supply and demand. This imbalance is pushing home prices upward while driving more bidding wars and multiple-offer scenarios. Danielle Hale, Chief Economist at realtor.com explains:
"People are surprised that prices are rising, not falling, because in the last recession home prices fell, the difference this time is the severe shortage of homes for sale…We are seeing bigger price increases with [a limited] number of homes…That is likely to lead to more competition and potentially multiple offers and bidding wars."
According to the recent Realtors Confidence Index (RCI) survey conducted by the National Association of Realtors (NAR), this trend is growing:
"On average, there were about three offers on a home that closed in May, up from just about two in April 2020 and in May 2019 (2.3 offers)."
HousingWire also indicates:
"42% of homeowners who made a purchase during the January to May time period ended up in a bidding war, demonstrating the strong demand for homes amid low inventory."
With more people returning to work we'll continue to see the number of interested buyers increase. So, if you're among the many people looking for a home to buy this summer, it's important to ensure you have the right guidance from the start. This way, you make sure your offer stands out from the crowd when it really counts. Here are two tips to follow.
1. Hire a Trusted Local Expert
A trusted local real estate professional matters more than ever right now, as noted in a recent survey shared by NAR. In fact, according to respondents, 54% of buyers and 62% of sellers indicated that "Particularly during the pandemic, a real estate agent's guidance is especially valued."
We're not in a normal market. We are in one of the greatest health crises our nation has ever seen. The pandemic has had a dramatic impact on the journey consumers must take to purchase a home. To successfully navigate the landscape today, you need a true expert on your side.
2. Get Pre-Approved for a Mortgage
When there are more buyers than sellers on the market, the process to find a home becomes much more challenging. One way to show you're serious about buying a home is to work with a lender to get pre-approved for a mortgage before starting your search. With a pre-approval letter, sellers will see your true desire to buy this year, potentially helping your offer rise to the top.
Bottom Line
If this is the year you're ready to buy, let's connect to get the process started so you can make sure your offer is a strong one when the competition heats up.
What Are Experts Saying about Home Prices?
Last week, a very well-respected real estate analytics firm surprised many with their home price projection for the next twelve months. CoreLogic, in their latest Home Price Index said:
"The economic downturn that started in March 2020 is predicted to cause a 6.6% drop in the HPI by May 2021, which would be the first decrease in annual home prices in over 9 years."
The forecast was surprising as it was strikingly different than any other projection by major analysts. Six of the other eight forecasts call for appreciation, and the two who project depreciation indicate it will be one percent or less.
Here is a graph showing all of the projections:There's a simple formula to determine the future price of any item: calculate the supply of that item in ratio to the demand for that item. In housing right now, demand far exceeds supply. Last week mortgage applications to buy a home were 33% higher than they were at the same time last year. The available inventory of homes for sale is 31% lower than it was last year. Normally, these numbers should call for homes to continue to appreciate.
Bottom Line
Because of the uncertainty with the pandemic, any economic prediction is extremely difficult. However, looking at the limited supply of homes for sale and the tremendous demand for housing, it is difficult to disagree with the majority of analysts who are calling for price appreciation.
Mortgage Rates Hit Record Lows for Three Consecutive Weeks
Over the past several weeks, Freddie Mac has reported the average 30-year fixed mortgage rate dropping to record lows, all the way down to 3.03%. Last week's reported rate reached the lowest point in the history of the survey, which dates back to 1971 (See graph below):
What does this mean for buyers?
This is huge for homebuyers. Those currently taking advantage of the increasing affordability that comes with historically low interest rates are winning big. According to Sam Khater, Chief Economist at Freddie Mac:
"The summer is heating up as record low mortgage rates continue to spur homebuyer demand."
In addition, move.com notes:
"Summer home buying season is off to a roaring start. As buyers flooded into the market, realtor.com® monthly traffic hit an all-time high of 86 million unique users in June 2020, breaking May's record of 85 million unique users. Realtor.com® daily traffic also hit its highest level ever of 7 million unique users on June 25, signaling that despite the global pandemic buyers are ready to make a purchase."
Clearly, buyers are capitalizing on today's low rates. As shown in the chart below, the average monthly mortgage payment decreases significantly when rates are as low as they are today.A lower monthly payment means savings that can add up significantly over the life of a home loan. It also means that qualified buyers may be able to purchase more home for their money. Maybe that's a bigger home than what they'd be able to afford at a higher rate, an increasingly desirable option considering the amount of time families are now spending at home given today's health crisis.
Bottom Line
If you're in a position to buy a home this year, let's connect to initiate the process while mortgage rates are historically low.
National Homeownership Month [INFOGRAPHIC]
Some Highlights
- National Homeownership Month is a great time to reflect on how we can each promote stronger community growth.
- Homeownership helps families build financial freedom, find greater happiness and satisfaction, and make a positive impact on our local communities.
- Let's connect today if homeownership is part of your future plans.
6 Reasons Why Selling Your House on Your Own Is a Mistake
There are many benefits to working with a real estate professional when selling your house. During challenging times like the one we face today, it becomes even more important to have an expert help guide you through the process. If you're considering selling on your own, known in the industry as a For Sale By Owner or FSBO, please consider the following:
1. Your Safety Is a Priority
During this pandemic, your family's safety comes first. When you FSBO, it is incredibly difficult to control entry into your home. A real estate professional will have the proper protocols in place to protect not only your belongings, but your family's health and well-being too. From regulating the number of people in your home at one time to ensuring proper sanitization during and after a showing, and even facilitating virtual tours for buyers, agents are equipped to follow the latest industry standards recommended by the National Association of Realtors (NAR) to help protect you and your family.
2. A Powerful Online Strategy Is a Must to Attract a Buyer
Recent studies have shown that, even before COVID-19, the first step 44% of all buyers took when looking for a home was to search online. Throughout the process, that number jumped to 93%. Today, those numbers have grown exponentially. Most real estate agents have developed a strong Internet and social media strategy to promote the sale of your house. Have you?
3. There Are Too Many Negotiations
Here are just a few of the people you'll need to negotiate with if you decide to FSBO:
- The buyer, who wants the best deal possible
- The buyer's agent, who solely represents the best interest of the buyer
- The inspection companies, which work for the buyer and will almost always find challenges with the house
- The appraiser, if there is a question of value
As part of their training, agents are taught how to negotiate every aspect of the real estate transaction and how to mediate the emotions felt by buyers looking to make what is probably the largest purchase of their lives.
4. You Won't Know if Your Purchaser Is Qualified for a Mortgage
Having a buyer who wants to purchase your house is the first step. Making sure they can afford to buy it is just as important. As a FSBO, it's almost impossible to be involved in the mortgage process of your buyer. A real estate professional is trained to ask the appropriate questions and, in most cases, will be intimately aware of the progress that's being made toward a purchaser's mortgage commitment.
Further complicating the situation is how the current mortgage market is rapidly evolving because of the number of families out of work and in mortgage forbearance. A loan program that was there yesterday could be gone tomorrow. You need someone who is working with lenders every day to guarantee your buyer makes it to the closing table.
5. FSBOing Has Become More Difficult from a Legal Standpoint
The documentation involved in the selling process has increased dramatically as more and more disclosures and regulations have become mandatory. In an increasingly litigious society, the agent acts as a third-party to help the seller avoid legal jeopardy. This is one of the major reasons why the percentage of people FSBOing has dropped from 19% to 8% over the last 20+ years.
6. You Net More Money When Using an Agent
Many homeowners believe they'll save the real estate commission by selling on their own. Realize that the main reason buyers look at FSBOs is because they also believe they can save the real estate agent's commission. The seller and buyer can't both save the commission.
A study by Collateral Analytics revealed that FSBOs don't actually save anything by forgoing the help of an agent. In some cases, the seller may even net less money from the sale. The study found the difference in price between a FSBO and an agent-listed home was an average of 6%. One of the main reasons for the price difference is effective exposure:
"Properties listed with a broker that is a member of the local MLS will be listed online with all other participating broker websites, marketing the home to a much larger buyer population. And those MLS properties generally offer compensation to agents who represent buyers, incentivizing them to show and sell the property and again potentially enlarging the buyer pool."
The more buyers that view a home, the greater the chance a bidding war will take place.
Bottom Line
Listing on your own leaves you to manage the entire transaction yourself. Why do that when you can hire an agent and still net the same amount of money? Before you decide to take on the challenge of selling your house alone, let's connect to discuss your options.


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24 Jul
16 Jul
apoQlar in the finale of Microsoft Partner of the Year Awards 2020
We're proud to announce that apoQlar – the leader in solutions using the potential of mixed reality – was featured in the final of Microsoft Partner of the Year Awards 2020.
2 min
22 Jun
Supporting sales management processes with SAP Cloud Platform
SAP Cloud Platform environment enables creating new cloud applications, extending existing solutions, as well as extending the functionality of on-premise systems with new possibilities offered by the cloud. However, the most significant advantage of SCP is the integration of data and business processes.
3 min
18 Jun
08 Jun
05 Jun
01 Jun
29 May
14 May
12 May
White list and split payment – changes related to the COVID-19 crisis
The Polish Parliament has passed a law restricting the imposition of sanctions for making payments to accounts not placed on a white list of taxpayers. The most important change concerns the exemption from the obligation to check the white list account when using the split payment mechanism. Taxpayers will not be threatened with sanctions in VAT, PIT, and CIT.
2 min


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Hot Summer Blowout Sale: Order Now!
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