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Religion, the Bible, Gods & All; Discussion of the divine or lack thereof
Topic Started: Feb 25 2009, 03:29 AM (2,309 Views)
Noel Cookman
Quote:
 
ARM = adjustable rate mortgage?

Yes.

Quote:
 
In NZ, it would be well-nigh impossible to fix a rate
for a mortgage for 5-6 years. Longer is simply not
an available option. Most have floating rates, which
have been very arse-biting, especially as they climb.
Right now, they've fallen and may go down a little
more, yet. (6-7% is the average, March 2009)

This brings another question - what is the percentage of
home ownership in NZ? It used to be healthy and high in US.
I think it will go down a bit in the near future. But, the 30 yr.
fixed rate mortgage, in my humble opinion, is the single
good thing the government did (back in 1934 I think it was).
More than anything, I think it helped to create and sustain a
middle class. If my theory is correct, NZ would have a lower %
of home ownership and possible a smaller slice of a middle class -
due to a lessened ability to qualify for a 30 yr fixed rate. On second
thought, the genius of it is the 30 yr amortization rather than how
long the fixed period is. Even then, rising rates should edge a few more people
out of their homes.

Quote:
 
Investments? Don't like 'em. From close but not personal
experience (acting as trustee), I've noted that fund
managers always do well, even if the investor is losing
value and paying tax for that privilege!

LOL. Different continents - same practices.

Quote:
 
I have one investment, real estate, over which I have
almost total control. Paper value circa $NZ half a million.
ROI about 7.8% gross. There are costs, but there are
tax deductions, also. The 'control' bit is the critical
part for me - the property manager and beneficiary.

I agree that "investments" in general are unlikeable risks. Previously,
I thought that real estate was much safer than stocks, bonds, etc. Now . . .
cheese, who knows. I guess it depends on the purpose and use of that
real estate, eh?

Jesus' words ("don't store up treasures on earth but in heaven . . . a different and more rewarding realm/dimension" - or something like that) make a little sense even to an atheist, eh?

By the way, reports just out - irreligion is on the rise in the US. Those not affiliated with any religion whatsoever has risen to 15%. Don't know the former number but allegedly, it's on the rise. The only discouraging news is that while Christianity over all shows a bit of a decline, "evangelical" Christians are growing in number. [I'll do a little more research on it.]

Thought that would give you a little encouragement. Have a nice day.
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Perry
Quote:
 
Almost three-quarters (73.8 percent) of total households in New Zealand lived in a home that they owned. By 1996, this figure had decreased to 70.7 percent and by 2001 the ownership rate was 67.8 percent. The percentage change in the number of owner-occupied households, between 1991 and 2001, was just 2.3 percent while New Zealand's population increased by 10.8 percent. In 2001, the total number of households that owned the homes they lived in was 868,656 compared with 848,913 in 1991.
See http://www.stats.govt.nz/analytical-reports/housing-profiles/owner-occupied-hholds-intro.htm

Quote:
 
I have one investment, real estate, over which I have
almost total control. Paper value circa $NZ half a million.
ROI about 7.8% gross.
That was a mistake. RoV, not RoI.

My perception is that religion rises in bad times,
along with sales of lottery tickets, as people
hope for the impossible.

"Perry from Elsewhere"
 
If I have a portfolio that's valued (on paper! i.e. in
"the books") @ $NZ2M and I receive $NZ1800 per
week in rental income, what does it matter if $NZ1M
is wiped off my books in valuation numbers, if I'm still
getting the same amount of rental income?

If I have debt, two things will have changed.

* My LVR
* My RoV

Cashflow remains unchanged, despite the numbers
in the books changing.


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Noel Cookman
Quote:
 
My perception is that religion rises in bad times,
along with sales of lottery tickets, as people
hope for the impossible.


An interesting article I just found.
http://www.internetmonk.com/archive/the-original-coming-evangelical-collapse-posts

I'm going to check this guy out as I just found him. A believer himself, he seems to be saying that "irreligion" is on the rise. Maybe it's an overall trend and we may see a slight increase in certain strains of religions (charismatics, pentecostals, mormons, Islam, et al) but, the prognosticators (not necessarily the irreligious only) seem to be predicting the demise of religion much as they did at the beginning of the 20th century.

Perhaps bad times will force people to think about reality this go 'round rather than seek refuge in superstition and false hope.

Being raised Pentecostal, I have mixed emotions about the prosperity of such. On one hand, a Pentecostal church is much more entertaining than the standard Protestant church - more of the unexpected (provided it's not some dried up old Pentecostal church). On the other hand, having been up close and personal, I can see a lot of things that need to go by the wayside. On balance, if I'm going to get out of bed on Sunday morning, brush my teeth and put on clothes, I want to see a little action. For the most part, it's better that I stay home or visit friends.

By the way, thanks for sharing the research. It's an interesting trend (homeownership downward) and I would like to know the reasons why. For example, I am a free-market capitalist and anti-Socialist. I always look for causes. Is the downward trend in NZ the result of political policies going back a few decades? Recent policies? Is there a tax "disincentive" such as the ones Obama is putting in place here? What, in your opinion are the causes?
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Noel Cookman
Quote:
 
It seems we do have ever-more in common, as further exchanges reveal.
Pauline theology made plain that sowing and reaping were unavoidable.
Like you, I presume that to be a 'this-world-now' maxim. Vicarious
atonement and deathbed confession syndrome never sat well with me -
one of the reasons I abandoned religion or dogmas of any sort.

Amen! brother. :)

Quote:
 
"Stewardship" is a favourite word of mine, too. Along with 'husbandry.'
I think I'm increasingly warming to you, Noel. (I hope that's not too scary).

When you realize what an ass I can be at times, you will understand that I can use
all the "warming" I can get. I'm honestly trying to be kinder and gentler.

Quote:
 
I go along with the "We care for our world because it is our responsibility.
It can be quite joyful as well " bit, but part company with your views at
the "gifts from Allah and should be viewed as 'on loan' " part.

Of course, I think they are on loan from the Father of Yeshua. :)
Cheese, I'm smiling a lot.

Quote:
 
So I can and do go along with much of your 'beliefs' digression. That such
is not "taught in churches" is no surprise to me. My perception is that
modern-day churchianity is all about fostering some fairyland perception
of avoiding natural consequences, which is why it's so popular.

I could only wish that this was the only and major deficiency in churches.
I think it's deeper and something shared with humanity more than just with
religious people - it's an avoidance of dealing with reality.

For example, I've not won many friends in the church-world by saying that
"the opposite of belief is NOT unbelief - it's pretension." I view Joe's "deconversion"
from the Church of Christ to atheism as progress - he's moving in the right direction;
at least I sense from most of you guys on this site that are atheists that you want
to perceive the world as it is, not as it's imaged by any number of belief systems.
To me, that's what Jesus meant when he said "I am . . . the Truth." In the old Greek language,
there was no different word for "real" or "reality" other than the word we translate as "truth."
My path isn't easy because it puts me at odds with people I really love and like - in the church world.
But, I cannot deny reality. And I cannot tolerate the bunk I hear proclaimed from most pulpits today. I
can only try to be gracious and realize that we all have limited vision and don't see everything clearly.
But, we should be able to see enough to function with reaonable happiness in this world - whether it
is all we have and even if it's a prelude to a grander form of existence.

I don't think that God's plan is for us to follow his religion so that when we die, we go to heaven.
I believe that God is more interested in getting "heaven" (his dimension of reality, I will call it "Life" as Jesus called it)
on earth than he is interested in getting those of us on earth into heaven. Even the final 2 chapters of the book of
Revelation show that we do NOT go to heaven - "Heaven" comes to earth/us . . . to put it non-technically and colloquially.

Quote:
 
Human nature seems to subliminally delight in the idea of being on the
bus but not having to pay the fare.

Could it be even worse - that they expect the bus to arrive at their imagined
destination and insist all the while that the bus is heading east when it's really
heading west.

Warmth back at you, my friend.
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Perry
Noel - I'm slow with replying. But
I've not forgotten the matter, OK?
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Noel Cookman
Quote:
 
Noel - I'm slow with replying. But
I've not forgotten the matter, OK?

I've been months in responding before.
I don't think I have any room to complain.
After all, we have more to do than figure out the universe. :)
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Noel Cookman
I think I have found out how to add a photo of my granddaughter . . . in my quest to prove she's the most beautiful child in the world.
Attached to this post:
Attachments: October26_2008_54.jpg (2.37 MB)
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Noel Cookman
Well, I guess I didn't do so well. I'll pray and ask God to help me then try again later.
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Joe E. Holman
Very pretty kid, Noel.
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Noel Cookman
Thanks Bro. Wasn't sure it made it so that anyone else could see it. Perry and I are debating who's got the prettiest granddaughter of course. His granddaughter is a beautiful young lady.

By the way, I'm trying to get those goobers in Austin (The Atheist Experience) to have you on. Their show sucks - but they are pretty good atheists. You would help their ratings. If they could get you and me both on there at the same time, we'd take them to network competition I'm sure.
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Perry
I can see why you're besotted, Noel.
All her charm and good looks from
the other side of the family, no doubt?

BTW, if you can figure it out, you'll
make a few people happier if you change
the 'dimensions' of a pic that you're
putting onto the www. My guess is that
one was a MB or 2. You could maybe
find out how to hack such pix down to
no more than 200KB. They'll still look
just as good on the screen, but be no
good for printing, but will load one
helluva lot faster than that one did.

You can probably use your current
graphics program for such a task. Irfan
View or XnView will do, if not.

(Freeware for PC's; not sure about Macs)
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Noel Cookman
You assume I have the most basic skills. I think I could prove God exists before I could figure out most of this stuff. But, by your suggestion I shall try.

Thanks,

Your buddy Noel
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Perry
It becomes clearer to me why you're part of our little
community, Noel. You're a thinker disguised as a
religionist. No room for them or other
insurrectionists in the ranks! (Flattery will get me
nowhere - I know . . . . ) It's tough away from the
ranks of the hindered and sold . . .

Religion wants no part of lucid, logical and rational
thinking. No wonder you are eschewed by those
other of your 'congregation' who are so deluded and
self-deceived as to treat such attributes (reason,
logic, rationality, etc.) as the works/instruments of
the devil. Doubtless neither you nor the financiers
you represent clients to will accept Statements of
Position on a word of phaith.

To its detriment, it seems to be a non-negotiable
attribute of the human race to want something-for-
nothing. IMNSHO, that's the largest and most
cogent appeal of religion. Do-what-thou-wilt-then-
confess-and-all-will-be-OK. For now and forever,
ahem. (cough, splutter, choke)

As for being kinder and gentler, if you've been
scorned and ridiculed by your religionist peers, not
only do I empathise and understand, but I also hold
no grudge - none at all, irrespective.

Quote:
 
Perhaps bad times will force people to think about
reality this go 'round rather then seek refuge in
superstition and false hope.'
Maybe. I'm not holding my breath. Just as you and
I agreed to disagree over the storm and the disciples,
maybe we can do the same for other aspects?

I suspect that the person depicted in the buybull JC
'concept' (I have significant doubts that the figure
referred to as JC actually existed) was a very astute
and mature philosopher. Perhaps even a very
innovative greenie?

Taking the lay person definition of ecology as
'everything is connected to everything else,' it
seems a short and simple step to see such a principle
in:
* I and the father are one
* Seen me, seen my daddyo
* Do it to anyone and you do it to me (and therefore
daddy)
* Born (recycled) of the material and born again
(comprehension of universal connectedness)
* Let the sinless be first to condemn
* On and on . . .

Quote:
 
For example, I am a free-market capitalist and anti-
Socialist. I always look for causes.
Snap. My views are similar if not the same. What
we have now seems a far cry from true free
enterprise. Seems more like socialism for corporates
or corporate welfare, to me.

Quote:
 
Being raised Pentecostal, I have mixed emotions
about the prosperity of such. On one hand, a
Pentecostal church is much more entertaining than
the standard Protestant church - more of the
unexpected (provided it's not some dried up old
Pentecostal church). On the other hand, having been
up close and personal, I can see a lot of things that
need to go by the wayside. On balance, if I'm going
to get out of bed on Sunday morning, brush my teeth
and put on clothes, I want to see a little action. For
the most part, it's better that I stay home or visit
friends.
Err - how's that line go? Ahem, brother!

Most of the gatherings I've witnessed (my lady goes
to the local scam entertainment centre) are just low-
grade, semi-cacophonous rock concerts in disguise
with a little moralising thrown in to ease the dollars
into the collection coffers.

Quote:
 
By the way, thanks for sharing the research. It's an
interesting trend (homeownership downward) and I
would like to know the reasons why. Is the
downward trend in NZ the result of political policies
going back a few decades? Recent policies? Is there
a tax "disincentive" such as the ones Obama is
putting in place here? What, in your opinion are the
causes?
No, nothing to do with tax, as far as I'm aware. At
least not for PPOR people. Property investment is
different, of course, being a business. Actually, it
may be worse, here? Can't you USAmericans claim
all or some part of mortgage repayments as a tax
deduction? Zilch for kiwis, for PPORs.

The reducing trend in home ownership
demographics is no more than a consequence of
politicians economic mis-management. No, it's
worse - make that malfeasance.

Quote:
 
When you realize what an ass I can be at times, you
will understand that I can use all the "warming" I can
get. I'm honestly trying to be kinder and gentler.
Fear not - when people are (or feel they are) on the
defensive, quick and hasty words may be very hard
to avoid. At times, I have to abandon a post,
because, after reflection and review, I realise that
I'm drifting into the maelstrom of ad hominem
commentary. And that does no good at all for a
constructive dialogue.

Quote:
 
Cheese, I'm smiling a lot.
Keep it up, Noel. I suspect that you may be winning
the battle against truth decay. A little flossing with
levity and bonhomie does help.

Quote:
 
I could only wish that this was the only and major
deficiency in churches. I think it's deeper and
something shared with humanity more than just with
religious people - it's an avoidance of dealing with
reality.
Hhhhmmm, I can't mount any argument to that, for
all religion is avoidance of reality - the way I see it.
Well, maybe Buddhism is a wee bit better.

Quote:
 
For example, I've not won many friends in the
church-world by saying that "the opposite of belief
is NOT unbelief - it's pretension.
Huh? I had to re-read that several times, before I . . .

If you'd written:

"the opposite of unbelief is NOT belief - it's
pretension"
you'd hear the cheers and encores and
amens from there!

Quote:
 
I view Joe's "deconversion" from the Church of
Christ to atheism as progress - he's moving in the
right direction; at least I sense from most of you
guys on this site that are atheists that you want to
perceive the world as it is, not as it's imaged by any
number of belief systems.
Noel, are you stringing us all along? When you say
things like that, I almost can't accept that you wrote
it. Have I got you mis-measured? That lucid
observation can't come from the mind of a
religionist, can it?

Quote:
 
To me, that's what Jesus meant when he said "I am .
. . the Truth." In the old Greek language,
there was no different word for "real" or "reality"
other than the word we translate as "truth."
My path isn't easy because it puts me at odds with
people I really love and like - in the church world.
But, I cannot deny reality. And I cannot tolerate the
bunk I hear proclaimed from most pulpits today. I
can only try to be gracious and realize that we all
have limited vision and don't see everything clearly.
But, we should be able to see enough to function
with reasonable happiness in this world - whether it
is all we have and even if it's a prelude to a grander
form of existence.
I'm reading that in some sort of gob-smacked, can't-
believe-what-I-see shock and awe. You really don't
accept a counter-point to that from us, do you?

Quote:
 
Quote:
 
Human nature seems to subliminally delight in the
idea of being on the bus but not having to pay the
fare.
Could it be even worse - that they expect the bus to
arrive at their imagined destination and insist all the
while that the bus is heading east when it's really
heading west.
Let's take it a step even further. Could it be worse
than, once having been found out to be a non-payer
on the bus, still expecting to be taken to the
destination, despite that.

Quote:
 
I agree that "investments" in general are unlikeable
risks. Previously, I thought that real estate was much
safer than stocks, bonds, etc. Now . . . cheese, who
knows. I guess it depends on the purpose and use of
that real estate, eh?
I self-manage my residential and commercial rentals
and tenants. Not everyone can do that. People hand
off their money to snake oil investment sellers
because they're naïve, ignorant, incapable, or
somesuch.

Despite all the pundits and graphs and charts, PI
seems to offer the best hedge against purchasing
power erosion, when measured against other
options.

Quote:
 
Jesus' words ("don't store up treasures on earth but
in heaven . . . a different and more rewarding
realm/dimension" - or something like that) make a
little sense even to an atheist, eh?
That word construction constitutes a conundrum.
Mainly because they can be fairly seen as
situational.

I treat my tenants well; fairly but firmly. A good
tenancy record over the previous 12 or so months
results in me giving the said tenant a Xmas bonus of
$100 of petrol vouchers. I'm getting some earthly
riches from them, but I can look them in the eye,
knowing that I recognise them, value them, if you
like.

I hope the foregoing is coherent. It's late and I'm
typing this on our laptop, from our 9th floor room,
over-looking Wellington harbour. We're down here
for a Conference (talkfest) for NZ Amputees.
Seemed a good chance to catch up with you/this.
Now it's time for a shower and sleep.
Edited by Perry, Mar 20 2009, 11:16 PM.
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Huxley
Blimey that must be a packed conference I expect. Practically very little leg room either.







I'll get me coat.
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Noel Cookman
Dear God, Perry, you're funny. And thought-provoking. I will re-read all this during the weekend. I'll first of all enjoy it all over again. Then, if I can think of anything, I'll make some responses. The problem is most of them might be "amen" or as you say "ahem."
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