The Voisin Biplane

A single glance at the Voisin Biplane reveals exactly what one would expect of a vintage aircraft: a somewhat ungainly design with dual, fabric-covered wings; a propeller; an aerodynamic surface protruding ahead of its airframe; and a boxy, kite-resembling tail. But, by 1907 standards, it had been considered “advanced.”

Its designer, Gabriel Voisin, son of a provincial engineer, was born in Belleville, France, in 1880, initially demonstrating mechanical and aeronautical aptitude through his boat, automobile, and kite interests. An admirer of Clement Ader, he trained as an architect and draftsman at the Ecole des Beaux-Arts in Lyon, and was later introduced to Ernest Archdeacon, a wealthy lawyer and aviation enthusiast, who subsequently commissioned him to design a glider.

Using inaccurate and incomplete drawings of the Wright Brothers’ 1902 glider published in L’Aerophile, the Aero-Club’s journal, Voisin constructed an airframe in January of 1904 which only bore a superficial resemblance to its original. Sporting dual wings subdivided by vertical partitions, a forward elevating plane, and a two-cell box-kite tail, it was devoid of the Wright-devised wing-warping method, and therefore had no means by which lateral control could be exerted. Two-thirds the size of the original, it was 40 pounds lighter.

Supported by floats and tethered to a Panhard-engined racing boat, the glider attempted its first fight from the Seine River on June 8, 1905, as described by Voisin himself. “Gradually and cautiously, (the helmsman) took up the slack of my towing cable…” he had written. “I had the controls ready. I waited for a time and then I applied the elevator.”

Virtually catapulted skyward by the air suddenly exerting its effects on its airfoils, it ascended as high as the river-lining poplar trees, but the unstable glider, unable to be controlled about its lateral axis, almost as abruptly nosed toward the water after a 50-foot, bell-curve trajectory, plunging below the surface and briefly submerging its pilot.

Despite the unsuccessful attempt, Louis Bleriot, witnessing the event, subsequently approached Voisin to build a second airframe for him.

Based upon the first, it featured a reduced wingspan with greater curvature and sloping, vertical side panels, and a single-cell tail, but it suffered a similar fate: covering some 100 feet during its July 18 test flight, it side-slipped immediately after taking to the air, once again plunging into the river.

Despite its inherent lack of roll control, it nevertheless served as the foundation upon which subsequent Voisin and other early European designs were based.

Voisin and Bleriot, briefly forming a collaborative partnership, produced equally unsuccessful aircraft due, in great part, to the latter’s radical, ever-changing ideas. The Bleriot III, for instance, sported elliptical wings and was powered by a 24-hp Antoinette engine, but failed to achieve sufficient lift when fitted with floats. Reconfigured as a land machine with a wheeled undercarriage and a second engine, it collided with a rock during its acceleration run, bouncing across a ditch, nosing over, and abruptly ending its travel-along with the Voisin-Bleriot collaboration.

Gabriel Voisin, buying out Bleriot’s interest in 1906, reformed the company with brother, Charles, creating “Appareils d’Aviation Les Freres Voisin” or “Voisin Brothers Flying Machines,” establishing, as an extension of the Bleriot venture, the first European aircraft manufacturer in Billancourt, with financial backing from Enest Archdeacon and three others. The aviation industry was, in effect, launched.

The Gabriel and Charles Voisin team ironically mirrored their Orville and Wilbur Wright Brothers counterparts across the Atlantic. Gabriel, for example-the older of the two and Chief Engineer-provided most of the impetus and direction, while Charles generally assumed a supporting role. As in the case of the two teams, both would be halved in 1912 when one of the two brothers would succumb to non-aviation related deaths, although here the parallel was juxtaposed: Wilbur, the older of the two, died of typhoid fever, while Charles, the younger of the two, perished in an automobile accident. Nevertheless, Gabriel and Charles were slated to rank among Europe’s leading early-aviation pioneers.

Their first aircraft, broadly based upon the Wright’s gliders with a forward elevator and equal-span wings and powered by a 20-hp Buchet engine, was essentially a steerable box-kite built for Henry Kapferer in March of 1907, but failed to fly. The second, commissioned by Leon Delagrange-a sculptor and Voisin’s contemporary at the Ecole des Beaux-Arts-constituted their first full-standard canard, pusher biplane which incorporated characteristics of several then-notable aviators, including Octave Chanute (biplane wings), the Wright Brothers (the forward elevator), and Lawrence Hargrave (its box-kite tail).

Featuring an ash-framed, steel-jointed, square fuselage which served as the common attachment point for its forward elevating plane, its pilot’s seat, its wings, its engine, and its tail, it sported dual, rectangular-shaped, superimposed wings which spanned 37.8 feet and their cotton and rubber fabric coverings, designated “continental cotton,” were stretched over its ash ribs. They had a 6.56-foot depth, a 5.75-to-1 aspect ratio, and a 496 total square foot area.

Like those of its glider predecessor, they were rugged and strong, but devoid of either the wing-warping or aileron method of lateral control; instead, they contained four vertical planes or partitions, installed at fixed intervals, which subdivided them into individual cells. Although Voisin had intended to provide the necessary lateral stability with them and Berget had highly praised this vertical keel configuration, banking was relegated to wide, sluggish, rudder deflection-induced turns.

A single, 41-square-foot elevating plane protruded ahead of the fuselage frame in a canard arrangement, while a box-kite tail, subdivided into two cells, was attached behind it, a feature which would become characteristic of Voisin’s designs until 1910.

Invented in 1893 by Australian Lawrence Hargrave, the structure, subdivided into sidewall-formed cells, featured the tandem-wing concept introduced by Alberto Santos-Dumont with his 14-bis biplane and employed by Samuel Pierpont Langley. Although it resulted in a particularly strong structure, Hargrave himself discontinued his own box-kite hang glider experiments when he experienced a series of hard landings. The construction method, used by European aircraft, ranked, along with ailerons, tractor (as opposed to pusher) biplane configurations, and pitch control relocation from the front to the rear of the aircraft, as one of the four primary design improvements of early-to mid-1900.

A 25-square-foot turning rudder, attached to the center of the aft cells, provided vertical-axis control.

Power was provided by a 50-hp, Leon Levavasseur-designed Antoinette engine installed on the rear of the central frame behind the main biplane, operating in pusher configuration and driving a twin-bladed, 7.6-foot-diameter metal propeller set at a 4.6-foot pitch.

Resting at a nose-high angle on the ground, the aircraft was supported by two large, pneumatic-tired wheels with spring shock absorbers, while two additional, although smaller, units served as tailwheels. Another, attached below the forward elevating plane, provided protection during nose-over landings.

The open cockpit, comprised of a single wicker seat mounted between the main wings’ leading edges and the powerplant, sported a circular steering wheel whose forward and aft travel deflected the forward elevating plane by means of pushrods and whose left and right rotations activated the direction rudder through wire connections.

The 1,250-pound Voisin Biplane, first flying in 1907, lifted 23 pounds-per-horsepower and 2.37 pounds-per-square-foot of wing surface, attaining 35-mph speeds.

Progressively familiarizing himself with the type, which had been alternatively designated the “Voisin-Delagrange,” Delagrange had been able to cover 500 meters by the fall of 1907.

Crashing during its second of two flights at Issy-les-Molineaux in November, it was rebuilt as the Voisin-Delagrange II, using as many original, salvageable parts as possible, while the succeeding, more maneuverable “III” featured curtains on its two inner main interplane struts.

Slightly larger and heavier, the next Voisin Biplane, designated “Voisin-Farman,” was constructed for Henry (Franch Henri) Farman, whose father was a Paris-based English correspondent. Speaking both French and English, Henry had been active in bicycle and automobile racing, but after sustaining injuries in the 1905 James Gordon Bennett Automobile Race, he shifted interest to aviation, first attempting to take to the air in a Chanute-Herring glider before ordering a powered biplane from the Voisin Brothers factory.

Receiving permission to practice on the Issy-les-Moulineaux military parade ground located on the left bank of the Seine River in the shadows of the Societe Astra and Clement-Bayard dirigible hangars, he quickly improved, conducting acceleration rolls on the flat, unobstructed, dusty field, which often turned muddy during rainy conditions. Following his lead, other budding aeronauts also found its surface conducive to aerial experimentation, soon establishing more permanent presences there with wooden sheds until the area, like College Park in Maryland, developed into Europe’s first practical “airport.” Countless spectators watched an ever-increasing amount of flying activity, which later assumed more structured, air race form.

In order to stimulate aeronautical advancement in France, the Aero-Club had established a series of progressively more difficult challengers as far back as 1904 in return for increasing monetary rewards. A silver trophy, for example, was offered for the 25-meter Coupe Ernest Archdeacon, while a silver medal and 100 francs were awarded to the first ten pilots who could fly 60 meters. The distance and monetary compensation next increased to, respectively, 100 meters and 1,500 francs, and the Grand Prix d’Aviation Deutsch-Archdeacon, requiring a one-kilometer circular pattern, carried a 50,000-franc remuneration.

Transferring his ability from ground-based racing to aerial flying, expressed by his Voisin-Farman I biplane, Farman achieved exponential success. On September 30, 1907, for instance, he completed a 30-meter flight. This increased to 285 meters on October 15, and 11 days later, he covered 2,540 feet in a record 52.6 seconds in his modified Voisin-Farman I-bis, which introduced wing dihedral and a monoplane elevating surface. Unofficially completing a 3,380-foot circuit on November 9, in one minute, 14 seconds, he exceeded the Wright Brothers’ December 17, 1903 duration by 15 seconds, the first European attempt to do so. And on January 13 of the following year, he won the coveted 50,000-franc Grand Prix d’Aviation Deutsch-Archdeacon prize at Issy-les-Moulineaux when he flew the one-kilometer circular course in one minute, 28 seconds. Since the lateral control-devoid aircraft had to make very wide turns with the aid of its rudder alone, however, it actually covered a distance closer to 1.6 kilometers. It was then Europe’s longest sector.

Continually modifying his aircraft, he recovered its surface with rubberized linen, reduced its tailplane span, and replaced its original Antoinette engine with a 50-hp Renault, although it was quickly restored after a single demonstration, creating the first practical European design in the process.

He continued to rack up distance records: on March 20, he flew 4,500 meters in three minutes, 29 seconds; on June 23 he covered more than 14 kilometers in 18 minutes, 30 seconds in Milan; and on July 6, he won the 10,000-franc Armengoud Prize for the first flight to remain aloft for more than 15 minutes, flying 20.4 kilometers in 20 minutes, 20 seconds in Ghent, Belgium.

One admirer commented, “What George Stephenson did for the locomotive, Farman has done for the aeroplane.”

Subjected to continued modification, the basic Voisin Biplane design, which sold in significant numbers, ultimately appeared with both 50- and 60-hp Antoinette, E.N.V., Gnome, Itala, Renault, and Vivinus engines, devoid of its forward elevating plane, and with ailerons, remedying its most significant deficiency.

The Old Rhinebeck Aerodrome example, an original constructed by Norvin C. Rinek of Easton, Pennsylvania, in 1909, incorporated several non-standard features, including a chrome-moly welded steel tube frame, which replaced the original wooden one, and a V-8 engine of his own design.

Disassembled and stored in the rafters of his cord and rope company after only half a dozen fights, it was discovered by Cole Palen some 62 years later. He restored it in his Florida home in 1973, displaying it at the aerodrome until it was loaned to two other prestigious museums in 1979: the National Air and Space Museum in Washington and the Intrepid Sea-Air-Space Museum in New York. Returning “home,” it now remains on display in the New Museum Building up on the hill across from the Pioneer, World War I, and Lindbergh hangars.

The classic profile of the canard, pusher, box-kite Voisin Biplane, despite its early lateral control limitations and slow, wide aerial turning maneuvers, nevertheless became one of the most significant practical pioneer aircraft between 1907 and 1910.

A graduate of Long Island University-C.W. Post Campus with a summa-cum-laude BA Degree in Comparative Languages and Journalism, I have subsequently earned the Continuing Community Education Teaching Certificate from the Nassau Association for Continuing Community Education (NACCE) at Molloy College, the Travel Career Development Certificate from the Institute of Certified Travel Agents (ICTA) at LIU, and the AAS Degree in Aerospace Technology at the State University of New York – College of Technology at Farmingdale. Having amassed almost three decades in the airline industry, I managed the New York-JFK and Washington-Dulles stations at Austrian Airlines, created the North American Station Training Program, served as an Aviation Advisor to Farmingdale State University of New York, and devised and taught the Airline Management Certificate Program at the Long Island Educational Opportunity Center. A freelance author, I have written some 70 books of the short story, novel, nonfiction, essay, poetry, article, log, curriculum, training manual, and textbook genre in English, German, and Spanish, having principally focused on aviation and travel, and I have been published in book, magazine, newsletter, and electronic Web site form. I am a writer for Cole Palen’s Old Rhinebeck Aerodrome in New York. I have made some 350 lifetime trips by air, sea, rail, and road.

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Houston Freddie Mac Home Possible Neighborhood Solution Information

In some parts of the country a decent house in a good school district could requite $25,000 for a 10% down payment, plus payments of $2,500 per month. Our country has great wealth and many people can afford the cost of living in these areas. However for some key people that work in the community it is hard to afford to live there. Several plans have been designed to help select professions to own affordable homes. The largest by far are programs from Fannie Mae and Freddie Mac.

The Freddie Mac Home Possible Neighborhood Solution Mortgage is a specialized program to help key members of our community afford a home. Eligible homebuyers include teachers, healthcare workers, law enforcement workers, firefighters, and military personnel.

Benefits of the program include loan amounts up to 100%. This allows for a small or no down payment. The finance rate is very good and variable or fixed rates are available up to a 40-year term. The private mortgage insurance (PMI) requirements are low and this helps keep the payments low. Debt-to-income ratios are more flexible for this program which means you may be able to qualify for a larger loan. (The maximum debt to income limit is generally around 45% of your total household income. ) There is also an option for a subsidy buydown. A buydown reduces the interest rate, and the monthly payment, for up to three years. Customers can also use the Neighborhood Solution program to refinance out of a higher rate mortgage to get lower monthly payments.

Eligible properties include single family homes and condos. New construction homes qualify but manufactured homes do not. Customers must occupy the home as their primary residence. Credit should be fairly good but not necessarily perfect. Other conditions apply and you should consult with a local loan officer for full details about the program.

Freddie Mac has the mortgage for about 1 in 6 homes in the USA. However Fannie Mae is even larger and has programs that compete with Freddie. The Fannie “Community Solutions” program is very similar to the “Neighborhood Solution” plan. They are so similar that it is hard to say which is best but the “Community Solutions” program is better known and may be offered by more lenders. Other options are available and there is no single plan that is best in every case. This means it is advisable to research your options before selecting a mortgage.

Texas residents can get more information at our Houston Freddie Mac Neighborhood Solution site. Or call our Houston office at 281-537-7800.

Texas Capital Mortgage – Lowest Rates for Good and Bad Credit Mortgages! – http://www.Texas-Capital-Mortgage.com

- Also visit our insurance site at http://www.houston-renters-insurance.com

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Dragon Skin

The name is attention getting and perfectly brands the product. “Dragon Skin” is a type of body armor made by Pinnacle Armor. It is unique by its construction — silver dollar-sized circular discs that overlap like fish scales, creating a flexible vest that allows a greater range of motion and can absorb more hits than standard military body armor.

It looks likes fish scales, so why not call it fish skin? Because that name sucks! The marketing genius behind the name Dragon Skin is the image it conjures up simply with the name. Since dragons obviously don’t actually exist, its marketing is in the mind play of the potential buyer: Dragon Skin must be tough, impervious to attack, and look really macho cool.

Now look at the names of your products. Do they speak to the customer? Do they conjure up images in the potential buyer? I imagine some of you are shaking your head and saying to yourself, “But my products have to be descriptive of what they actually are.” Sure that’s one mind set. Using that mindset, Dragon Skin could be called Silicon Carbide Ceramic Matrix Armor. Ho hum. That name means something to the chemist who created the technology but leaves the potential buyer flat. Pinnacle Armor knows this.

How do you differentiate your products?

Finding the right pitch and placement for products is critical in the correct positioning of that product. Simply offering an auto loan forces people to see that as a commodity. Immediately they price shop. You are just one of the mix that way. How else could you position your auto loan product to a select segment of your market? Do you have a college student as one of your segments? What could you do to name a product directed at them? Do you have a more senior membership base? Could you market your auto loan toward that age group with a different name?

Take a look at your three best-selling products. Whether you are an attorney, director of a financial institution, a distributor, or a small business owner you need to have products that differentiate you in the marketplace.

What are the names of those three products you selected? Do they create a mental image? Do they grab your attention? Do they create uniqueness in a commoditized marketplace?

Have an impromptu brainstorming session with your management team on what names you could come up with to create some differentiation for those products. Get silly, get wild and laugh a lot. I promise you will find a better name for what you sell that will brand that product better and will be easily recognizable in the market place. Your staff will enjoy using the new name when pitching customers and prospects. Everyone likes to be part of the fresh and well positioned. With the right name for your product, you will increase the perceived value and sales of that product.

Russell J. White, CSP is an author, international speaker and consultant. He is president of Russell J. White International and founder of The Edgewalk Institute where his cutting edge ideas assist businesses in strategic planning, branding, leadership development and growth strategies. His most requested keynote and forthcoming book “That’s MY job??? Restoring Responsibility in the Workplace” is solving current problems for more profitable futures. He can be reached at http://www.thinkbigguy.com or at 877-275-9468

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Options to Resolve Your Student Loan With the Government

You have your education and now the government wants their money back. In order to do this, you will need a job that pays well and consistently; not something that a college degree guarantees. There are some programs that can help pay student loans off fairly quickly.

The PSLF Program rewards borrowers who choose to work in the field of public works by forgiving part or all of a loan balance. There are restrictions and a qualification process that you must complete in order to receive loan forgiveness. Military, teaching, health services, and several other public programs usually are considered qualifying careers.

William D. Ford Loans only award PSLF to borrowers in good standing. If you have Stafford, PLUS or Unsubsidized loan you should be eligible. If you have other loans, you may need to consolidate them into a Direct Loan in order to get the benefits of the PSLF. Your loan can’t be delinquent and you are still required to pay the minimum 120 payments. There various payment options to choose from to make payments more manageable.

Repayments Schedules to Clear Student Loans

Once your loan is in repayment status, there are several methods that you can apply for to make you payments more manageable. The Standard Repayment plan costs the least overall because it resolves the loan in the fastest timeline. Typically, the loan is paid off in ten years by sending a fixed amount each month.?The payment can be quite high and will be determined by the total cost of your loan. In this plan, you will pay less interest, but the payments may be hard to meet each month.

The Income Based Repayment program calculates a new payment by taking into consideration your income and family population.?The new payment must be below the current monthly rate multiplied by ten years. After twenty-five years of a good payment history, the remaining balance may be forgiven by the lender. There are certain criteria that you must meet in order to be considered for this. Working in the public service field will usually have a positive impact on the lender’s willingness to forgive the loan.

Another option is the Income Contingent Repayment plan.?The total household gross, family size and size of loan are calculated into a payment that will repay the loan in a twenty-five year span.?In reality, the repayment is set up more for a twelve year payoff multiplied by 20% of your income. If your monthly payment does not cover the yearly cost, the unsettled amount is rolled on to the next year along with any interest accrued. This won’t exceed 10% the loans initial cost. After twenty-five years, the remaining balance will be forgiven.?Additional taxes may be applied.

The most direct way to clear your student loan is to pay it off as quickly as possible. This isn’t always possible because life has a way of hitting roadblocks. There are options available that can make payments more manageable but will not make you continue payments for eternity. Paying off your student loans is sometimes about finding the best plan for you.

Find out more grants for teachers to pay off student loans and commonly asked questions such as how long to pay off student loan when you visit http://www.payoffstudentsloan.com

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Top Down Thinking

You have heard it: Christians are so heavenly minded that they are no earthly good. Maybe its true that many believers are not practical. But are we even heavenly minded? Can we be both? Can our knowledge of heavens glories motivate us to an intensely practical commitment that affects life in the everyday world?

New Testament instruction on the relationship between heaven and the believer’s life is revolutionary, but almost totally ignored. The key concept concerns our perspective have: The God of the unit averse invites believers to view the myriad details of life from his eternal vantage point. It is applied to topics like worry, suffering, dealing with others, wealth, our journey through life, and even death. In more than two dozen passages, we are repeatedly told to take what we will label the top-down perspective have: God and his kingdom first, followed by the details of our daily existence. The upper level always remains the same, while the lower tier changes according to life’s problems. The theme is that God and his eternal kingdom are to be pursued above all else. Believers are to view life from his heavenly perspective have. The result orders life so that it is single-minded: directed toward eternity, freed from many of its more painful aspects.

Directed by Gods power, this outlook should be thoroughly meshed with everything we think, say, and do. It should influence our worries and fears, finances, raising children, evangelism, assisting others, and our approach to suffering. From the vantage point of God and eternity, we are actually free to enjoy our lives more than ever. Some Biblical Texts Worry. Matthew 6:19-34 is the most detailed top-down teaching by Jesus. He instructs us not to fret about life, because God cares for us (6:25-32). Worrying will not change anything or add a single hour to our lives (6:27). Although worthwhile, the principles are actually only sub points of Jesus message. Verse 25 begins with the word Therefore, indicating that this text is not self-contained. We need the wider context to understand Jesus prohibition of worry. Jesus chief theme is discovered in verses 19-24. He commands us not to store our treasures on earth, where they can be destroyed or stolen, but in heaven, where they are incorruptible (6:19-20). Our hearts will conform to our treasures, wherever they are invested (6:21).

We cannot be equally committed to two masters, so we cannot equally pursue heavenly and earthly rich is (6:24). The centrality of heaven is shown on several fronts. We have already seen that the initial word in verse points to a prior teaching. That verse ends by saying that life is more Important than the sum of our daily concerns (6:25b). Further, in the key summary text in 6:33, the top-down perspective have is central (first) to the entire discourse. Verses 19-24 thus provide the framework from which to view the overall message. It is true that there are good reasons not to worry, but this is a sub the isis. Jesus central teaching is that, if God and his kingdom are genuinely preeminent in our lives, we have no real reason to be anxious concerning our earthly affairs. Problems will certainly affect our everyday lives, but they are not our ultimate concern. Jesus also taught that our heavenly treasure is totally secure. There is no need to worry, since our investments can never be disturbed. Now we see the real crux of Jesus teaching: If we are continuously worried about temporal concerns, this simply indicates that our hearts are not truly centered on our first love. We are more occupied with earthly issues than Jesus intended us to be. This is a test of our true motivation. Surprisingly, Jesus then informs us that if our priorities are properly attuned, our earthly needs will still be met (6:32b, 33b). Here is a deal we cannot refuse! Our daily needs are his concern, not ours. Our job is to concentrate on his top-down, heavenly perspective have.

In short, to be constantly anxious about our daily needs is actually to betray our first love. We cannot reach a state where absolutely nothing bothers us, because we are finite beings living in a real world. But Jesus challenges us to shift our priorities to Gods perspective have in order to live above the problems. We should not be characterized by them. By Gods power, we can conquer at least the more debilitating aspects of the fears. The Christian hope is certainly not of the pie-in-the-sky variety that is unrelated to life’s pithiest problems. Death. No subject causes more potent fear than death. In an extended passage in 2 Corinthians, Paul handles it head-on, challenging believers to think in light of the top-down prospect I have. With some of the most inspirational words in Scripture, Paul teacher is that since death is not the end, believers should shift their thoughts to the reality of eternal life. Paul utilizes both the truth and the power of eternal life to focus our thinking. Even after death, believers never face the prospect of extinction, but live on forever. God will provide the new bodies for which we long. Death is even preferable, because while we are in our physical bodies, we are separated from Christ. Having seen him once, Paul actually preferred to die and be with him.

Once again, the top-down perspective I have begins with the truth of eternal life. Although death is surely an enemy to be faced, earthly life takes on new meaning and comfort when viewed from this heavenly vantage point. What about the troublesome topic of our personal wealth, bills, and debt? Here we have another domain that is ripe for the application of top-down thinking. Here the term hope indicates that our future prospects rest not upon mere wished is, but upon a firm, proven cornerstone. Our heavenly inheritance can never perish, spoil or fade. The last three Greek terms show that the believers’ blessings are incorruptible and indestructible, without any blemish whatsoever. Used in tandem, they strongly emphasize the sterling qualities of heaven, which are kept or reserved for believers (a military term meaning that they are being guarded for us).

The nature, characteristics, and blessings of heaven will never become contaminated or be wrenched away from believers. Our eternal inheritance is as secure as the power of God. After all, his mercy saved us (1:3) and his power guarantees the victory for us (1:5). That all of this is God’s work and not ours is crucially Important: We do not deal with problems in our own power. We are called upon to change our thinking and to act accordingly, but we are not told to do it by our own strength (2 Cor. 10:4). Successful thinking does not come from human striving and our ability to hang in there. Against this eternal backdrop, Peter Implores believers to consider their present persecution as a temporary obstacle through which God would help them persevere, emerging with a much stronger faith (1:6-9). The embattled believers actually were to rejoice during their suffering because of their salvation! (1:6) As Paul did about dying, Peter taught that having a correct perspective I have on God and Immortality should cause believers to rejoice even in the heat of persecution. The worst scenario is for the believer to die, which would usher him or her into Christs heavenly presence. Even though suffering is painful, especially with our loved ones, our salvation is assured (1:8-9) and we will be with Jesus forever.

Applying the Truth of God and His Kingdom: To believe the truth of Gods eternal perspective is not necessarily to know how to apply it. How might this message become a signal to guide our thoughts and our actions indeed, our entire lives? How can this top-down perspective have influence our counseling? Such a transformation ought to occur, but does it? What are some real-life situations in which it might be applied? Why are we not more concerned with Jesus command to tell others about Gods offer of eternal life? (Matt. 28:18-20; Acts 1:8) If this message is our central priority, shouldn’t we be more interested in sharing the best news of all? Wouldn’t this love our neighbors as we do ourselves, which is another key top-down passage? (Luke 10:25-37) We also need to assist other believers in discovering this top-down perspective have for them. It is a central teaching in dozens of Scripture passages. Jesus taught that worry needs to be seen from the perspective have of heaven. If my dearest treasures are not in this world, I will naturally be freed from many of my daily concerns. Much of this process has to do with the sort of cognate have restructuring that Paul suggests in Philippians 1:21-23 and 4:6-9. Few things are as crucial as changing our typical ways of thinking.

Another major area in need of a strong dose of heaven is the believer’s finances. There would seem to be few areas where committed Christians struggle more than with their income, especially if we are speaking about giving more than a tithe to the Lords work. After all, we are hard pressed by bills, repaying loans, and just trying to make it. It is admittedly difficult to sacrifice for such priorities as spreading the gospel or assisting hurting persons (1 John 3:17-18). Granted, many of our old_resources are spent on true needs. But many purchases are not needs. Too often, financial problems come not because we make too little, but because we spend close to, if not more than, what we make. Each of us needs to seek the Lord concerning what portion of his or her income would truly be available for Gods work if we were properly motivated. After all, did not both Jesus and Paul teach that sending our treasures ahead to heaven is actually the best use of our wealth? In the investment-conscious times, does not it just make more sense to save where the greatest return is achieved? From another angle, what difference will our earthly possessions make in heaven, anyway? Where our finances would have been better spent? Of course, we do not accumulate heavenly treasures for the sake of the rewards themselves or for our own glory. This is neither moral nor the aim of the passages. But we are commanded to pursue the treasures nonetheless, by both the Lord and his apostles. We may wish to simply extend ourselves little by little, progress heavily giving more than we do now. A more radical procedure would be to assess our current practices, deciding which expenditures are biblically justified as actual needs. Eliminating unjustifiable expenses can free us to better utilize our funds. We should have the same sacrificial spirit when giving to the Lord that we have when we purchase a nice extra for our home, take a vacation, or enjoy a social engagement. Christians know materialism is wrong, but if we continue to disobey biblical instructions, we are simply proving where our true treasures lie.2 another major area of application is that of pain and suffering. How do we respond? Scripture suggests changing our thought patterns during the hard times, shifting from earthly concerns to heavenly, eternal ones (2 Cor. 4:16-18; 1 Peter 1:3-9). Knowing what the apostles suffered helps us to heed their advice. Phone Therapy is a wonderful medium to help you.

http://www.eCounseling.com is the leading provider of online counseling and telephone counseling technologies, and exists to connect people who hurt with people who help, 24 hours a day, 365 days a year. eCounseling.com was created by counselors who perceived a need for better online counseling methods. eCounseling.com now boasts a full range of distance and in-person counseling capabilities in video and text chat, HIPAA-compliant secure email, and fully searchable counselor listings, all organized strategically around the top 40 most commonly seen counseling issues. Its directors include Dr. Peter Disoza, who practices therapy at Thrive Boston Counseling.

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Veterans Administration Home Loan Advantages

American armed services personnel – active duty, honorably discharged, retired, or disabled – are eligible for benefits when it comes to home ownership. Put in place after World War II, veterans coming back from war were afforded some help towards having a guaranteed place in the American dream. Since that time, for honorable service in both war time and peace time, most military veterans have been afforded the same assistance.

Five Advantages Ease the Way for Veteran Homeowners

1. 100% Mortgage

The most salient advantage for a veteran who uses his or her VA Loan prerogative is that the property can be secured with 100% financing. The veteran does not have to come up with a down payment. Veterans can essentially enter a home for which they are qualified without putting down a nickel.

2. Property or Mortgage Insurance

VA borrowers, even though their property is 100% financed, do not have to pay any property or mortgage insurance fees. The VA loan already covers that. This has two side benefits. This reduces the monthly mortgage payments considerably. It also allows the veteran to qualify for larger loan amounts. All others with less than 20% equity in their homestead must pay the going rate for property or mortgage insurance.

3. Credit Scores

VA borrowers are not scrutinized as carefully regarding their personal credit histories. The reason being that the loan is guaranteed by the federal government. The loans are offered just on the capacity of the veteran to repay, not any past credit problems. So, if the veteran has the assets, the salary, the savings, or the bank balances required, the loan will be approved. Also, if they do have somewhat less-than-sterling credit scores, that will not prevent them from owning property of value greater than that for which someone with the same scores would not qualify.

4. Interest Rates

Though it is not a great advantage, the trade-offs are worth it. VA borrowers are charged a slightly higher interest rate than other conventional borrowers. This can range from 0.25% to 1.00%. This is somewhat higher than a person with a down payment of 20% and credit scores of 740 or higher. Considering the loan to value ratio (L.T.V.), this somewhat higher interest rate is not going to financially cripple any veteran borrower.

5. Repeat Access

A very nice aspect of the advantage a VA Loan offers is that it is not just for first time ownership. The rights of a VA Loan can be used for purchasing other homes as the veteran moves up in life or lifestyle requirements change, like kids. The veteran just has to approach the VA and be requalified. This is basically just proving that the previous home was sold or paid off earlier. This requalification will determine the new loan amount for which the veteran is qualified so he or she can plan their next domicile purchase.

American Dream

For more information, military personnel who have served honorably should seek guidance on line at VA.usa.gov. You may be able to afford that American dream home after all. Housing lenders and real estate agents can provide information to American veterans as well.

Hilary Bowman is the author of this article. She works successfully as a financial advisor with years of expertise on Unsecured Loans. Hilary publishes informative articles about loans for bad credit and other financial topics at FastGuaranteedLoans.com

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When Will Lending Return to Normal Activity?

Due to my dedication to the mortgage industry for the past two decades I often get questions like “When will lending return to normal?” or “How long will it be until rates go up?” While I do not have a crystal ball I can only theorize based on my knowledge of macroeconomics and experience in the lending world. First I will address that what we had for the first part of the last decade was not a normal lending activity in the sense that “free money for all” was an extreme event. What we’re experiencing today – a credit freeze – is the other extreme. The problem is however on how the equilibrium can be re-established and when. To have a prosperous economy a nation must have a healthy – not excessive and not rigged – lending sector. But alas, our political leaders and Central Bank are still trying to figure it out.

To get you an idea of where lending may be heading I have to bring in the topic of inflation and deflation as they are very much connected. The “Inflation or Deflation?” is one of the most debated daily topics amongst economists and central bankers. Recently it’s been one of the most debated topics I’ve had with friends and colleagues that I highly respect so I decided to analyze the subject based on purely Austrian fundamental principles. Of course there are other factors that could throw off my theory and change the outcome of what I believe to be runaway price inflation. For example, we could be involved in another major war, possibly WWIII, where unemployment would decrease (based on the idea that many unemployed people would be needed to go and fight the war) and the U.S. production would increase dramatically due to the need for military devices. That would not be a natural recovery and I don’t endorse it due to tragedy and loss of lives that it involves.

So, what’s it going to be? Inflation or Deflation? To determine the potential outcome one should understand how the money supply is one of the biggest pieces of the puzzle. The monetary base represents roughly a small percentage (15% or so) of the true money supply (TMS.) The U.S. Central Bank directly controls only this portion of the money supply. I should emphasize the word “directly” because indirectly there are a lot of things that the Federal Reserve can and does control, yet that’s another topic of its own on which I won’t elaborate at this time. Many experts argue that the monetary base has remained relatively flat. But in looking at the current Monetary Base chart from the St. Louis Federal Reserve Bank I see a steady increase from 1980 until 2008. Then in 2008 from $850B the base shot up to $2.8T (as of July 14, 2011) in response to the first few rounds of “Quantitative Easing.”

The monetary base comprises physical currency and bank reserves. When the Fed purchases securities through its open-market operations, the monetary base increases by a corresponding amount, but it is ultimately the banks and their customers who determine the amount of circulation credit built on top of the monetary base. Indeed the Fed cannot force banks to make loans to individuals and businesses but by continuing to buy securities from banks it helps them increase their reserves, and do remember that bank reserves are part of the monetary base. This monetary base increase to infinity should and will eventually react in a less than desirable form.

OK, so now we understand that Mr. Bernanke is not really “printing” all the money that many believe he does, and again he only directly affects about 15% of the total money supply but indirectly he does rely on banks to expand the remainder through the fractional reserve banking system. Mr. Bernanke feels confident that at least for a while banks will not make loans due to factors such as newly taken risk (in form of new loans at low rates) at a time when the banks are still trying to heal their balance sheets.

It is known that these reserves are sitting quietly at the Fed generating a yield to the banks of 25 basis points (.25%). This gives me a hint that inflation could be the possible threat but not until banks start lending at their full potential. Back in March 2011 the amount of reserves posted by St. Louis Federal Reserve Bank was $1.2T. My recent search showed it spiked to $1.6T in just four months. But eventually the banks balance sheets will heal and they will be ready to lend again. And this is the concern for those that believe inflation would be the cause of another economic crises. In simple terms the reserves that were idle for a while would start circulating in the global economy and would lead to more money chasing the same amount of goods raising their prices and known as inflation.

So, where does that leave us? Will lending or can lending be frozen forever to avoid a potential massive inflation? For a while it may work considering the banks are still not ready due to lack of sufficient qualified borrowers. Eventually, down the road banks and borrowers will be ready but that event could trigger the massive inflation that most of us are not prepared for. To avoid it the Fed would have to use the strategy of banks reserves reversal. But it’s easier said than could be done because the Fed cannot simply take them away from the banks. From a banker’s standpoint this would be analogous to stealing. The option left would be for banks to buy back securities – that include toxic assets – and return some of these excess reserves back to the Fed while the Fed would remove them from their balance sheet. But again if banks buy back the assets they sold to the Fed – in exchange for the reserves they currently hold – their balance sheets would be no better than in 2008. This would lead to sky rocketing interest rates and a banking system failure worse than back in 2008. Either way a soft landing gets harder and harder to achieve.

Following is a brief reminder of how all of this had started during the early 2000 through the housing boom (that not coincidentally extinguished the potential harm caused by the dot.com bust.) The Fed’s expanded credit via banks – multiplied through the fractional reserve banking system – during the “roaring” 2000′s went primarily into hard assets and primarily into real estate. Through this credit expansion phenomenon the rates were kept at artificially low levels (when the money rate should have been allowed to rise in a free market scenario) and it distorted the value of assets by inflating them artificially. Then the defaults started to gain traction and what once used to be a good asset (for the bank and the borrower) it ended up being a toxic asset. Along with this the banks stopped making loans, the real estate activity suddenly dropped and the glut of foreclosed homes brought down the values of the rest of the homes.

To end with a more defined answer I will recap the options that appear to exist. One would be a moral one for the Federal Reserve and our leaders by allowing freedom of the markets to take its course. This would be expressed in form of very high interest rates, lack of lending capacity associated with a credit contraction, bankruptcy of many Wall Street institutions, and a deflationary depression that would be required for a fresh start. With this option the risk of Hyperinflation is considerably minimized. The other option, that appears more of where we’re heading is the one with government intervention in the markets. The Fed continues to expand the monetary base, keeps interest rates at the bottom, and when banks are ready to start lending at their full potential it may trigger a massive inflation or hyperinflation along with the destruction of the dollar.

During today’s economic climate one thing is guaranteed. Inflation is inevitable. How this event will impact your life — and your family’s — in this decade depends primarily on what action you take today. Relying on the advise of a financial planner that tells you stocks or mutual funds are the way to go should be the last thing on your list. Read, learn, and use common sense when you strategize. The one that will have your best interest at heart is you, trust me! Be proactive rather than reactive. During high inflationary times only a handful of people are left unharmed. In order for you to be one of them you need to learn how. Your physical/mental health and asset preservation should be top priority. For more tips on how to stay on top — when many will drown — during the next economic crises visit my Blog at http://carmenalexe.wordpress.com/

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How Do I Know If I Am a Candidate For a Debt Relief Program?

While specific debt relief companies have their own requirements for candidates, there are a number of fields that individuals can examine in order to determine whether or not they will likely be good candidates for such programs.

To begin with, most companies require their applicants to be at least ten thousand dollars in debt, and they must also possess a deep desire to become free of debt. Many individuals who are in the military cannot be aided by such programs because debt negotiation and debt consolidation may jeopardize the individuals who need security clearance. Individuals who are employed by the federal government need to be carefully screened in order to determine whether or not they are choice candidates for such a program. The following details the main guidelines that need to be explored in order to have the best odds of being approved for such a financial assistance program.

First, it is vital that individuals have a strong desire to be debt free. Debt relief programs are not just to get people out of debt. There is an educational process that takes place in order to help enrolled candidates learn about debt and how to avoid it going forward. There is no reason for companies to help individuals who do not honestly want to be debt-free for the long run.

Individuals must also want to avoid having to declare bankruptcy. This is often an option for individuals in debt, but it can be very hard to recover from such a process – and recovery can take a number of years to accomplish. Next, such financial aid programs help to take care of unsecured debt. For many people, this means that their debt will need to be comprised primarily of credit card debt. This can include major credit cards, financing contracts and department store credit cards. Miscellaneous bills, secured loans, government or federally funded student loans and other similar debt cannot be included in debt relief and their programs. Medical bills can often be negotiated by debt relief programs and the administrators working for the programs. Based on the background of the medical bill, it can be determined whether or not the specific bill can be included in a candidate’s debt relief program.

During this time period, candidates must prepare to have a certain kind of budget planned out. For many people, this means that they will need to expect to pay roughly the same amount of money that they are already paying when it comes to their individual bills over the course of a month. Most of the money that has previously been paid goes toward the interest owed on the money that an individual has been borrowing.

Going forward, with help from the financial assistance program, less of the paid money will be going toward interest, and more will be going toward the actual amount of money that is owed by the individual. Candidates should be prepared to pay between two and three hundred dollars each month for every ten thousand dollars that the individual owes. Specifics can be determined by discussing your individual case with a debt relief program and representative.

John Weise represents RateTake Refinance mortgage marketplace. RateTake matches consumers with multiple lenders offering low mortgage rate quotes. For more information please visit Candidate for a Debt Relief Program

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Loans For Military Personal – Swift Financial Aid For Military Persons

If you are associated with the military and require quick financial assistance, loans for military personal can be the ideal option for you. It has been mainly designed for the benefits of military personnel so they can also fulfill their desires on time. These loans are available to soldiers who are still working and retired from the army. Military loans are quite simple to procure and expedient in repaying.

The prime features of loans for military personal can be its no discrimination policy which means all servicemen can easily apply for these loans without worrying about their grades. These loans are provided for various purposes like:

- Medical emergency

- Buying a new car

- Wedding expenses

- Home renovation

- Paying various household bills and so on.

Military personal loans are available in either secured or unsecured form. People may have complete liberty to choose the best loan deal according to their requirements. If the cash requirements are high and you are able to pledge security then secured form will be the perfect option for you. On the contrary side, if you are not interested in placing collateral and you need small amount of cash go with unsecured from will be the perfect decision. The features of both forms are as follows:

Unsecured military loans:

- No collateral is desired.

- Obtain funds ranging from £1,000 to £25,000.

- Get repayment term of 1-10 years.

- High interest price due to lack of security.

Secured military loans:

- No security is required.

- Procure amount ranging from £5,000 to £75,000.

- Repayment duration of 5-25 years.

- Less interest rate due to presence of security.

These loans are approved instantly as there is no faxing of papers to be desired. To get quick approval of these loans you can directly apply online and avail swift funds within few days. Even the approved amount can be directly credited into your account so you are not supposed to go to the lender personally.

All creditors may freely apply for these loans without taking care about their adverse credit record like defaults, arrears, bankruptcy, skipped payments, insolvency and many other records are eligible. No lender will consider your credit records while approving the loans. So, apply without taking any stress about your credit status.

Diana Robert can tell you how to look better, live better and breathe better by giving you tips to improve your finances. He writes on loans. His ideas can help you rejuvenate your money. To find military loans, Military personal loans, loans for military personal visit at http://www.military-personal-loans.net

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Financing Your Vermont Home

From Mount Mansfield to Rutland and every point in between, the Green Mountain State – Vermont – remains one of the most beautiful, historically preserved states in the union. Covered bridges, pristine parklands, welcoming ski slopes, and artisan colonies are some of the features that makes this thinly populated state an attractive place for visitors and residents alike. If you are contemplating relocating to Vermont then you have made an excellent decision. Keep reading and we’ll take a look at mortgage financing options that can help turn your Green Mountain dream into a reality.

If you are a first time buyer in Vermont, then you know that housing prices across the state are fairly high as the state continues to attract its share of relocating urban dwellers from New York City and Boston. In some locales, such as Burlington and Montpelier, prices have risen sharply as the demand for housing outstrips availability. Financing a new home can be a bit of challenge for average folks, but there are options available to you to help you secure your Vermont home.

Adjustable Rate Mortgages – One of the best financing values today remains the adjustable [or variable] rate mortgage. Rates of .25% or less compared to fixed rate loans are the norm. Most will allow you to keep that lower rate for 3, 5, 7 or 10 years before the adjustment period kicks in. During this time you can build up plenty of equity and refinance to a fixed rate loan down the road should you choose to do so.

Fixed Rate Mortgages – Mortgage terms of 15 or 30 years are most common although 20 and 25 year loans are also available. In some cases a lender may extend a 40 year loan offer to you, but this length mortgage is more the exception than the norm.

You may also be able to swing a Vermont home mortgage loan via a Federal Housing Administration (or FHA) backed mortgage. In this case the FHA backs the loan offered by your mortgage lender allowing you to possibly qualify for a loan if you wouldn’t otherwise be able to get one. With down payments as low as 3% you may be able to afford a loan you otherwise wouldn’t have qualified for.

Also check with the Veteran’s Administration (VA) if you have served in the military or visit the Housing and Urban Development (HUD) site for their list of Vermont homes for sale.

Yes, a Vermont home can be in your future; explore your financing options to help make that dream a reality today.

Joseph is the proud owner of Money Matters [http://www.AllTaxLaw.com], a website that will explain everything you need to know about Finance. We invite you to visit our site today and see what we have to offer.

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