Quote of the day

Knock on the sky and listen to the sound.
– Zen saying


Accept, to create harmony in mind

Accept to create harmony in mind

(n.) The just adaptation of parts to each other, in any system or combination of things, or in things, or things intended to form a connected whole; such an agreement between the different parts of a design or composition as to produce unity of effect; as, the harmony of the universe.

Our mind works as a system. The mind system is composed of different parts, which are only the different aspects of our Being – emotional, physical or spiritual, material. For our ‘Being’ to be ‘Complete’ or a ‘connected whole’, all these aspects need to adapt to each other.

To achieve harmony, the first step is to learn to ‘ACCEPT’. Acceptance here doesnt mean succumbing to your situation and being inactive therefore – Acceptance means simply to stop resisting the situation internally and trying to avoid any conflicts arising because of this situation. Acceptance also means releasing the urge to control such situation. For example, if you are not happy with your emotional state – you are irritated for example. Try to avoid the internal conflict that is caused by this situation. Instead focus on yourself and accept that the situation is bad and that you will change it for your own good, eventually. Accept that for now, there is nothing else to do but to move along with this situation and let it cease. Unintentionally, trying to go through this reasoning process will make you watch yourself being irritated. This is what E.Tolle refers to – “Watching the thinker”. This will help you mitigate the feeling of irritation.

USDA loans – going back to old habits

Builders are jumping on a no-money-down program to bolster sales in depressed markets.
Sounds familiar?

Builders and lenders are dusting off a familiar pitch: mortgages with $0 down and 100% financing.
The deals, which take advantage of a little-known loan program at the U.S. Agriculture Dept., are bolstering sales in some areas.
These new mortgages share some characteristics with the old ones now wreaking havoc on the housing market-and critics fear lending standards could slip. Says Daniel Oppenheimer, an analyst with Credit Suisse: “Unlike beef, these loans should be described as USDA subprime.” In the grand scheme of the $1.89 trillion residential real estate market, the USDA program-founded in 1949 to spur home sales and development in rural areas-is still a blip. But since the financial crisis, the program has exploded in size. As part of the Obama Administration’s effort to prop up housing, the U.S. allocated $10.5 billion to the Agriculture Dept.’s guaranteed loan program this year, up from $6 billion in 2008 and $3 billion in the past. The result: The number of home loans guaranteed by the USDA swelled to nearly 120,000 in the first nine months of 2009, up from roughly 35,000 in all of 2007. Given the rampant development during the boom, many communities where the USDA loans are available aren’t technically “rural” anymore-and include exurbs near big cities.
Source: BusinessWeek