Chains Chapter 7 Quotes

Bizarre and Surprising Insights—Consumer Behavior Insight Organization Suggested Explanation7 Guys literally drool over sports cars. Male college student subjects produce measurably more saliva when presented with images of sports cars or money. Northwestern University Kellogg School of Management Consumer impulses are physiological cousins of hunger. If you buy diapers, you are more likely to also buy beer. A pharmacy chain found this across 90 days of evening shopping across dozens of outlets (urban myth to some, but based on reported results). Osco Drug Daddy needs a beer. Dolls and candy bars. Sixty percent of customers who buy a Barbie doll buy one of three types of candy bars. Walmart Kids come along for errands. Pop-Tarts before a hurricane. Prehurricane, Strawberry Pop-Tart sales increased about sevenfold. Walmart In preparation before an act of nature, people stock up on comfort or nonperishable foods. Staplers reveal hires. The purchase of a stapler often accompanies the purchase of paper, waste baskets, scissors, paper clips, folders, and so on. A large retailer Stapler purchases are often a part of a complete office kit for a new employee. Higher crime, more Uber rides. In San Francisco, the areas with the most prostitution, alcohol, theft, and burglary are most positively correlated with Uber trips. Uber “We hypothesized that crime should be a proxy for nonresidential population.…Uber riders are not causing more crime. Right, guys?” Mac users book more expensive hotels. Orbitz users on an Apple Mac spend up to 30 percent more than Windows users when booking a hotel reservation. Orbitz applies this insight, altering displayed options according to your operating system. Orbitz Macs are often more expensive than Windows computers, so Mac users may on average have greater financial resources. Your inclination to buy varies by time of day. For retail websites, the peak is 8:00 PM; for dating, late at night; for finance, around 1:00 PM; for travel, just after 10:00 AM. This is not the amount of website traffic, but the propensity to buy of those who are already on the website. Survey of websites The impetus to complete certain kinds of transactions is higher during certain times of day. Your e-mail address reveals your level of commitment. Customers who register for a free account with an Earthlink.com e-mail address are almost five times more likely to convert to a paid, premium-level membership than those with a Hotmail.com e-mail address. An online dating website Disclosing permanent or primary e-mail accounts reveals a longer-term intention. Banner ads affect you more than you think. Although you may feel you've learned to ignore them, people who see a merchant's banner ad are 61 percent more likely to subsequently perform a related search, and this drives a 249 percent increase in clicks on the merchant's paid textual ads in the search results. Yahoo! Advertising exerts a subconscious effect. Companies win by not prompting customers to think. Contacting actively engaged customers can backfire—direct mailing financial service customers who have already opened several accounts decreases the chances they will open more accounts (more details in Chapter 7).

1.  Declaration of Intent: Hand lifting to the sky The first step is the collective declaration of intent to reestablish Kintuadi between Creator, Catalyst and Creation. That collective intent was implemented and manifested by the physical act of hand lifting to the sky.   Objective: To first acknowledge that we are lost due to a false start and to seek the alignment and the Kintuadi of 3 Components; Creator, Catalyst and Creation (CCC).   2.  Commitment and Decision: Cross Jumping The second step is the collective commitment and decision to abandon sinful, flesh and material driven life, and jump to the side of the creator and Christ. That collective commitment and decision was implemented and manifested by the physical act of cross jumping.   Objective: To stop and commit to a change of direction.   3.  Fasting and Meditation: Spiritual Retreat The third step is the collective fasting and meditation to gradually reduce total dependency on flesh and material driven life. This is the step of seeking spiritual enlightment, guidance and purpose for life. It is achieved by a temporary but frequent isolation and spiritual retreats. During this step, the body and soul are cleansed and fed with spiritual food.   Objective: To stop dependency on human guidance but seeks spiritual guidance and direction.   4.  Devotion and Service to God: Temple Construction (1987) The fourth step is the collective devotion and service to God. Now that body and soul are cleansed and fed spiritually, man devotion and service to god is manifested by the construction of the temple as an offering to God. The real temple is the body of Christ, the supreme sacrifice.   Objective: To regain God’s trust by gradually training the flesh and material wealth to serve God.   5.  Prayers and Faith Consolidation: Spiritual Soiree (1990s) Now that body and soul have constructed the sanctuary, the place of reunion and spiritual communion with God. This fifth step is the step of collective prayers and faith consolidation at the sanctuary, the place of invocation and the real body of Christ, our Catalyst.   Objective: To repair and reestablish communication between Creator, Catalyst and Creation.   6.  Redemption: The Begging for forgiveness; December 24, 1992 In the name of all humanity, on December 24, 1992 followers of Simon Kimbangu lead by Papa Dialungana Kiangani (Kimbangu son) gathered inside the temple in Nkamba, all wearing sac clothes and begged for the forgiveness of Adamus and eve original sin. After asking for forgiveness that Adamus himself did not have the courage to ask, the Kimbanguists burned all sac clothes. In 1994, Adeneho Nana Oduro Numapau II, President of the Ghana National House of Chiefs, initiated ceremonies in Africa and the Americas to beg forgiveness of African Americans for his ancestors ‘involvement in the slave trade.   Objective: To reestablish and maintain interconnectivity between Creator, Catalyst and Creation.   7.  Return to Eden, the Realm of Kintuadi (Oneness) December 24th, 1992 marked the beginning of a new spiritual era for mankind in general but for Africans in particular. The chains of physical and spiritual slavery were broken on that date. The spiritual exodus from Egypt, the land of Slavery to Eden, the Promised Land also started that date. On May 10, 1994 Nelson Mandela was inaugurated as the first black President of South Africa, Africa most powerful country. On January 20, 2009, Barack Hussein Obama was inaugurated as the first African American president of the United States, the most powerful country on earth.   Objective: To enjoy the Oneness between Creator, Catalyst and Creation.  Chapter 27  Kimbangu’s Wife, 3 sons  and 30 Grand Children As stated in chapter 11, few months after Kimbangu’s birth, his mother Luezi died, so Kimbangu did not know his biological mother and was raised by Kinzembo, his maternal aunt.

When condominiums don’t meet government-backed lenders’ standards they become non-warrantable. This means that buyers cannot get standard loans for these properties. They will have to pay cash or pay exorbitant rates through private lenders. When a building is full of non-warrantable condos, the pool of buyers shrinks and lowers the condo’s value. One might think that newer projects would have lower maintenance costs than older projects. But this isn’t always true. Some builders set monthly fees low while they advertise the project. This attracts bargain buyers, but owners soon discover they have inadequate reserves. The monthly fees then skyrocket. Even if the homeowners successfully sue the builder, it is hard to sell any properties while litigation is pending, and values drop. Most states have specific forms for condominium transactions in which the association discloses finances and reserves. Buyers must sign and verify they have examined the financial condition of the project. Pay attention to past history. How old is the roof? When were improvements last made? How often do association dues increase? Even though many people don’t investigate these issues, a home’s value depends on them. CHAPTER 7 BANK FINANCING Banks have a new image. Now you have ‘a friend,’ your friendly banker. If the banks are so friendly, how come they chain down the pens? — Alan King Bank lending standards and terms change daily. This chapter provides general principles that should prove useful over the long term. We will examine how to borrow from banks to acquire or refinance a home. Please note the term “banks” as used here includes credit unions and other major financial institutions. There’s another chapter on non-bank lending to help those who don’t meet the criteria set by major lending institutions.

7 The fear of the LORD is the beginning of knowledge: but fools despise wisdom and instruction. 8 My son, hear the instruction of thy father, and forsake not the law of thy mother: 9 For they shall be an ornament of grace unto thy head, and chains about thy neck.