More Liabitity Insurancequesions please visit : InsuranceQuotesFAQ.com

Can the insurance company split the liability? (more below)?

I was in a wreck in the order of a month ago and things are finally getting settled. However, the insurance company first said they could only accept 65% of the liability. The misfortune went like this: I be driving on the road southbound and the other driver was trying to cross…

Can u bring back liability insurance on a toyota MR2 or any other covertible?

As long as you own the car and have the title, you should know how to get liability only on anything. Yes, you can liability insurance on a convertible a moment ago as ealisy as a coupe. Source(s): I own a Mustang convertible If you…

Can you acquire liability insurance after a dui?

Usually you’re going to need an SR-22 policy.  Sure, but it will cost you more, and, depending on the circumstances (1st DUI, or not, accident, injury, etc), not all companies will adopt you as an insured. There is no such thing as SR-22 insurance by the…

Can you attain public liability insurance as a gardener at 17?

Yes, some companies have a minimum age limit of 16. Ask around the Insurance companies. Theoretically, yes. However most insurers will overrun on insuring some so young and inexperienced, plus at 17 you acn’t even enter into contracts, and insurers want to see contractors using contracts to limit their liability…

Can you loose change your sports car insurance from full-coverage to liability single if you are not the owner?

I know this question might sound a bit dumb. My boyfriend is the primary driver of one of his parents cars, they insist he enjoy full-coverage on the car but honestly the car is

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By: Jane Van Velsen
Are you a landlord in the United Kingdom? Do you rent out one or more houses in the United Kingdom?

If so, then you will find the FREE ebook being offered by UPad in March’s edition of Property Pathways really useful. I’ve had a peek and it chock a block full of great information on how to be a great landlord and enjoy the profits of renting out homes in the United Kingdom.

It also points out the pitfalls of buy to let as well as the highs, so it’s a fair balance of information for any property owner who is thinking of letting their house or for full time landlords with multiple lets.

UPad are also great at finding tenants for landlords who may struggle but, in this market, with such a housing shortage, you shouldn’t be in that position.

Being a landlord can be fraught with difficulties such as finding a suitable tenant. Should you let furnished or unfurnished? What are your legal obligations to a tenant? How do you keep a good tenant happy? What added value can you offer a tenant to secure a good one? What terms should be in the lease agreement? How does letting affect your mortgage repayments?

One of the most serious aspects of letting out a house in the United Kingdom is that of insurance. Many landlords are not aware of their liabilities and get a shock when they receive insurance quotes for 3rd party liability. UPad are coming up with some great offers for their landlord database. What’s good about them is that they are exclusively negotiated for UPad’s landlords and can give you a substantial saving.

As a landlord I’m always looking for ways to keep a good tenant and Upad certainly have some good ideas. One of my biggest bug bears is property maintenance and I’m hoping companies like UPad will be able to assimilate listings by postcode area of decent and trustworthy handymen and service providers. If you have any good ideas or thoughts about what you’d like to see on websites like this, write in to them and let them know. You may be surprised at the response!

I’ve also discovered that when I rent out my overseas properties I’m often caught out by the insurance in little ways. For example I only recently discovered that whilst my swimming pool in one rental is covered for damage due to storms and subsidence, the surrounding tiling and plant features are not! A bit difficult to handle when I believed I had insured everything under the title of ‘pool’! You really need to be a lot more specific on items like that which fall under buildings insurance.

The other thing you really need to get right when renting out property is the issue about who is liable for what exactly? I’ve had a tenant who claims I’m still liable for the maintenance of the garden and fencing and I’ve had to ensure that liability for this is spelt out in the tenancy agreement. Another decided that they didn’t have to maintain the pool and as a result of this the pool pump ceased and I had to replace it.

On the flip side of the coin is the simple fact that as a landlord you are not obliged to repair everything that the tenant complains about as long as it doesn’t impair safety of the tenant. Having said that I think that maintaining your properties ensures you decent tenants to a large extent and certainly keeps your property in decent condition just in case you need to sell it.

I’m subscribing to Property Pathways and I’ll definitely ask for the Upad free ebook this March. I never know what I’ll learn next!

Jane van Velsen is an online content writer for websites, ezines, business blogs, article campaigns for clients within the legal, property, financial, women’s interest, travel, tourism, marketing sectors. http://www.therightwriter.co.uk http://www.propertypathways.co.uk

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By: Nadeem Chaudhry
Are You Entitled To A Property Tax Reduction? 

If you bought your house for $79,000 dollars nine years ago and have never done any work or repairs, is your property still worth the assessed value of $106,000? More than likely, the property is not worth that much for a home built in the early 1900′s. To be honest with yourself, you have to look at other houses with the same age and structure to see if you are paying to much money for property tax.

 

A property tax reduction is not as easy to obtain, as one would think. If a mortgage appraiser over exaggerated the fair market value price of your home so you could get the refinancing. Could this affect your assessed value? It might not play a big part in the assessed value, but it is considered when rendering the final assessment.

 

If your fair market value is $105,000 and it was overly appraised, when you try to sell it, you are going to lose money and still have a balance due on a mortgage payment. If a reputable appraiser says your property is only worth $80,000 then you are not going to receive $105,000 for that property. If you property taxes are assessed for a house worth $105,000 and the property is only worth $80,000 on the market, you need to find a tax reduction and quick. You are over paying your taxes by hundreds of dollars in most cases.

 

The best way to find the true value of your property is to have an appraiser come in, do a full inspection, and give you a report. If this report shows your property is lower than the assessed value and the fair market value, you have something to present to a taxing committee. If you avoid doing this, trying to sell a property that is over exaggerated in price is not going to be easy and when they see the property taxes, potential buyers could decide this is a bad deal.

 

You should always try to have an assessed value and a fair market value close in range. If it is, then your property taxes should be fair. If the values are extremely different, you need to rectify the issue as soon as you can or you will continue over paying the property taxes. Appealing the property tax bill is one way to see a property tax reduction.

 

A property tax reduction also comes from applying for a different status on your property tax bill. If you bought a two family home and converted it into a single-family home, you are entitled to a reduction in property taxes, only if you did not increase the value of the property. Single family and two family properties have different tax rates. You can have this adjusted by visiting the taxing authority and filling out the paperwork to change the classification of the property. Once this is accept by the committee, your property will be reassessed and a different tax rate will be used to determine your new property tax liability.

Owner of several property related sites, keen on helping others to buy and sell properties, whilst saving money on fees and maximising their returns.

www.cashforlondonhomes.com

www.gottaproperty.co.uk

www.4fasthousesales.co.uk

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Should You Be Thinking About Student Loan Forgiveness?

 Money Advance,Cash mention – A Great shooting match in an Emergency,Visit at http://applyingstudentloans.blogspot.com/

Wouldn’t undeniable be esteemed if you could get a cash advance in between paychecks when emergencies pop maturation? Well, because you liability with a payday loans. These short relate cash advances are designed to give you a leg flowering when faced with unforeseen circumstances between pay periods. considering able to credit access to emergency cash is a 18-carat stress reliever. When faced with things flip over car or house repairs or perhaps medical emergencies. That time period between checks can seem luxuriate in an eternity when faced with same things.

Having access to a cash advance can change everything when you find yourself in a financial bind. All you need to dispatch to take lucre of this revered program is have a bank account, a job and internet road. Once you are online all you have to see through is take a few minutes to fill independent a short application. Since skillful are no traditional intuition checks steady those with bad credit no profession or credit that isn’t exactly progress to par should apply. Your approval will be quick and your loan will automatically hold office transferred into your bank statement. And, absolute will be paid back the same way as soon as your paycheck hits your account. Therefore, no worries about paying it back, it is unreduced done automatically online.

With a Cash advance you resolve want to make sure you prepare allowances for the payback when your subscribe hits the bank. Don’t leave yourself short. cause sure that you don’t borrow more than you need and that what you do borrow is indeed for an emergency. These marked advance loans are not meant as fin

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Getting through Your Short Sell Process

A short sell is a property sale where, to avoid a foreclosure, both the first purchaser and the bank agree to sell the property for less than the value of the mortgage on it. It is the art of compromise with homes and multi-figure dollar amounts. A short sell is usually the last option before a full on foreclosure.

A short sell, or short refi, has a number of requirements before it can be consummated. The 1st is that the home owner desires to make the argument for trouble, in the shape of a letter to the loan processor. It has to be a persuasive case that all other options have been exhausted and that a restructuring of the loan settlement is the best case for both the home owner and the lender.

This may require a fair quantity of paperwork by the home owner ; they have to disclose their complete list of assets and liabilities, and this short sale is the best alternative choice to declaring bankruptcy or foreclosure on the property.

Once the bank has accepted the short sell, mostly, the house goes on the market to find another buyer. This means getting the home listed with a realtor or other sales agent, and then showing it to prospective buyers. Because the general public doing short sales are in a hurry, there are plenty of steps in this process ( home inspections, legal consultations and the like ) which will eat time and have to be handled at the same time. Among these concerns are tax judgments. In several cases, the IRS will treat the difference between the first mortgage and the short sell refinance as earnings for the person who takes it ; while they can be quite forbearing on this, it may complicate your plans.

When making your case for the short sell, the general rule of thumb is that the sadder the story of woe, the better for you. You’ll also need to release information to your lender about

From the buyer’s viewpoint, a short sale is a blessing with a catch. The house might be available for a definite discount – anywhere from 3% to 20% dependent on what the original home owner bartered with the bank, and the local housing market. That is the blessing. The flip side is that closing on the house is, in 99 cases out of a hundred, going to take longer, by a mean of 6 to nine months.

Also, as the buyer, you’re going to need to be proactive about things. You’ll need to talk to the person at the bank who has accountability for short sales ; this may take some digging till you find the ideal person. Because short sales are something of a corner case transaction for lending establishments, the people you at first talk to might be less than beneficial, or downright unaware of what’s going on.

You ( and the home seller ) will have to liberate a large amount of your personal information to make a short sell work. Being shy about sharing that info can slow the whole deal down significantly. It’s typically worth it to talk to an attorney who focuses on property transactions if you are taking a look at purchasing a short sell home, or if you are a home owner looking to make a short sell transaction.

Even with all the hoops wanted to jump through, going through a short sell transaction can be the best of several bad choices. It gets you out from beneath a place where you are underwater on the mortgage ( the mortgage is worth a lot more than the house is ) and avoids the issues and financial disasters of a foreclosure on your credit score. If you are continually falling short on the house payment, talk to a solicitor and a real estate agent about the possibilities of a short sell on your home.

To Learning how to go about short sale could literally save yourself thousands of dollars and you can pay your high interest loans visit homesshortsale.org

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The condominium concept emerged in the 1970s as a unique alternative to traditional apartment leasing and single family home ownership. At first the idea – which involves partial ownership in a larger collective or association of similar properties – gained traction in vacation destinations. Instead of forking over excessive amounts of money to buy pricey beach property, for example, a buyer could buy one slice of a larger pie at a more affordable price. And as an alternative to perpetual rental – which offers no tax benefits or equity accumulation – owners could purchase their apartments or holiday retreats, without having to buy an entire apartment building.

Now the same idea is spreading within the market for traditional office space, where a condo office is defined as an office building with two or more individually owned units. The rest of the property – for example the parking lot, landscape and lobby – is owned in common and equally shared by all of the condo owners. In other words, condo ownership of an office works the same way it works in a residential condominium setting, and the terms of ownership are outlined in office condo association by-laws.

During the 1990s developers in many cities around the country overbuilt office space to keep pace with the exploding high-tech industry. But then the industry shrank as many of the start-up “dot-com” companies that the offices were meant to house went out of business. Many of those costly projects were hard to sell, because the need for huge office property evaporated, leaving developers saddled with inventory and financial liability. They offered to sell off offices piecemeal, rather than waiting to lure well-heeled buyers who could afford the whole building.

Suddenly the condo office frontier was discovered, as innovative commercial brokers began to divide

Occupancy costs combined with the loss of potential financial incentives usually weigh heavily into the choices of those who opt for the office condo alternative. Most office condo owners cite control of their property as the most compelling reason for the purchase, and they list tax perks and financial advantages as other contributing influences affecting their decision. If you rent or lease, your ability to redesign and remodel may be limited by the flexibility of the landlord. And if you decide to move, you may have to forfeit penalties for short-circuiting your lease. Even if you time the relocation to coincide with the expiration of your contract, you never get to enjoy equity appreciation like you do with owned property.

Availability is another powerful issue, because someone needing a relatively small can find office condos in a variety of sizes and configurations, even in the most popular parts of town. Office condos are especially popular with those who want to establish themselves in a specific location where buying a building or constructing their own is not practical. Small professional firms can buy condos that range from 1,200 to 50,000 square feet, inside large buildings in competitive markets like New York, Los Angeles, Chicago, or Washington DC. Office condo development is also becoming more common in mixed-use properties where office and retail condos are designed into the first floor of a residential condo project. You can buy your home upstairs, open your wine bar downstairs, and visit your corporate accountant or attorney in their office condo next door.

As condo owners outgrow their original offices, they often acquire another condo in the same building or purchase strategically located satellite office condos. Thanks to the potential to profit from market appreciation, many office condo owners finance their expansion and relocation through sales of existing sites, just as first-time homeowners trade up to larger homes.

Right now the market for office condos is relatively new and somewhat untested. But as companies increasingly shift to a virtual online presence versus a brick and mortar headquarters, the demands for gigantic offices may fade, in favor of agile and adaptable office condos.

Flipping office condos may become the next bull market opportunity, and those who already own them may be well positioned for the future. Residential condos were considered an inferior investment vehicle when compared to single family homes, until about a decade ago. But then they caught up with and surpassed traditional homes in popularity and investment performance.

Regardless of what investment yields they offer, office condos are already convenient and economical, and those are the most important reasons why many experts believe they are the way of the future.

To inquire about office condo properties from a broker committed to serving the GLBT community, visit www.GayRealEstate.com. To help finance a commercial or residential real estate purchase, visit www.GayMortgageLoans.com. Or just call toll free 1-888-420-MOVE (6683).

Commitment, passion and dedication to changing what you perceive as a social injustice and prejudice was the drive that encouraged Jeff Hammerberg to create a monumental service to the American LGBT community, one that he had envisaged for a quarter of a century. 2004 was a significant year in realizing his dream, as Jeff Hammerberg, founder of the largest LGBT real estate marketplace in the world, reaped the rewards of his vision that had been nurtured for 25 years.

During the 1990s, he worked in residential real estate, and observed first hand the "quiet homophobia" that pervaded the industry and silently but effectively hampered the lives of LGBT consumers nationwide by placing barriers between them and home ownership. By 1997, with little more than foresight, a strategy, and zealous fortitude, Hammerberg broke away from the traditional real estate community to create the first virtual real estate marketplace for LGBT clients.

Beginning with homelounge.com, an Internet company dedicated to assisting home buyers and sellers in the USA, Hammerberg gradually added services and sites, while adhering to a strict personal commitment to donate proceeds from his businesses directly into the LGBT community.

By 2004, he had created www.lesbianhomes.com, www.gayrealestateplanet.com, and www.gaymortgageloans.com, which are all ground-breaking companies in terms of concept and adherence.

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<p>With the rash of recent foreclosures over the last several years there is a tremendous amount of backlogged inventory just sitting there which is Bank owned. These properties are called REO, which stands for <a href=”http://www.safemoldsolutions.com/”>real estate</a> owned (that’s Bank owned in other words). </p>

<p>These properties have created tremendous investment opportunities for serious investors and hobby investors alike! but, alas with the tremendous opportunity comes an amazing amount of potential liability as well. You see when a home sits empty, there are multiple issues which can create water intrusions, and with water comes- Mold! </p>

<p>Many investors have been led to believe that <a href=”http://www.safemoldsolutions.com/”>mold</a> is a very easy way to buy a property far below market value- and they are right! Most of these investors believe that they can just have their handyman go in rip out the moldy drywall and spray some bleach paint it over with kills and voila- mold problem solved! Sadly this can create multiple problems. Many times i have been called out to inspect one of these “flips” i am usually called by the end buyer who is now experiencing health problems or worse their small children have developed asthma allergies or worse! Then I get paid to test the air and wall cavities. When I find mold a whole new beast rears its ugly head– lawsuits and liability! Lawyers just love these cases; you see juries are very sympathetic towards homeowners who they believe to have been “cheated” by unscrupulous home flippers. </p>

<p>What worse is in some cases the investor have even hired “certified” mold companies to do the clean up for them! Most of the time they falsely believe that they have eliminated the

<p>You see when a house has sat empty for a long period of time, especially in houses with <a href=”http://www.superdrybasement.com/”>basements</a> or crawlspaces a physical source of puddling water is not even required… Water can move through out the house invisibly in the form of vapour. This invisible movement of water is one of the main reasons that both amatuers and so-called professional remediation contractors screw up and leave the structure contaminated after all visible flowering mold has been removed!You see most professional mold companies, received their certification from a two or a three day seminar. What’s worse is this is usually completed by the company owner and not by the actual workers who are performing the work! It takes me usually an average of at least six months in order for me to adequately train someone to work for me with 40 hour a week on the job training! It is absolutely impossible to cramm all of the essential information necessary to become a competent molds professional into a two or three day class, and then expect that person to become a qualified instructor for his own workers! When it relates to bank owned properties the learning curve is even greater. </p>

Charles Boday is a Certified Mold Inspector and Contractor, graduate from Certified Mold Inspector & Contractors Institute. He has worked with some of the countries top scientists seeking alternative poison-free mold remediation techniques. He has testified as an expert foundation witness and is the Author of the books, The Ultra Dry Basement.

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At a time when the real estate market is down, it’s easier to buy property than it is to sell it. That leaves investors wondering if they should make the leap and become a landlord. Opening your real estate investment up to tenants and making it a rental property can be just as lucrative as flipping houses. There is just as much risk, however.

The Benefits of Renting Out Real Estate Investments

The nice thing about renting out your properties is the tax break you’ll get. Landlords are allowed extra deductions for expenses and depreciation of the home and appliances. You can deduct the interest on your mortgage, your property taxes, the cost of repairs, any cleaning services you use for the house and the utilities.

Consider These Tips Before Renting Out Your Property

There are some things to think about before renting out your property. Landlords have a huge responsibility and a certain level of liability. Knowing what you are signing up for upfront will save you a lot of hassle down the road. Consider these seven points before you make any decisions.

* Is renting out your real estate investment a financially feasible option? Can you get enough in rent to cover your mortgage, property taxes, insurance and repairs? Carefully calculate how much money will be needed on a monthly basis to cover your expenses and make a profit.

* Is there a demand for rental homes in the area? Some areas are filled with rental homes, while others hardly ever have them. Every neighborhood is different. Do your research and find out which other homes in the area are being rented out.

* Remember that you will be responsible for all repairs on the house. This goes beyond sprucing it up for the next renters. Renters will call all hours of the day and night with various problems they want you to fix. If you aren’t handy around the house, it wi

* Are you willing to be a landlord and handle issues with tenants? Are you firm enough so they won’t walk all over you? Do you have what it takes to kick out tenants who aren’t paying? Being a landlord takes patience and people skills.

* Make sure you have your real estate investment thoroughly inspected before you rent it out. Also have your tenants sign a checklist before they move in so you have documentation of what minor things were wrong and what things the tenants caused.

* Take the time to familiarize yourself with tenant’s rights. Know your responsibility as a landlord and what rights you have as far as enforcing the rules, evictions and more.

* Be prepared that there may be times when there are no tenants in your property. Ideally when one tenant moves out, another one moves in, but there is the possibility that you have several months in between when the property is vacant and not bringing in any rent.

Protecting your real estate investment is the most important thing. With a few tips and some basic research, you can find out exactly what you need to know about leasing your property, becoming a landlord and making money in the process.

Stuart Anthony Atkinson
www.offplanpropertyexchange.com New homes for sale and property investment opportunities worldwide.

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Auto Loans Don’t Dig a Money Pit in Your Garage

Choose the wrong auto loan and you aptitude drastically increase the chances of defaulting and losing your car. Visit here now http://life-insurancequoterates.blogspot.com

Find out step-by-step how to avoid a capital pit.Car loans are naturally less worthwhile than home mortgages, student loans, or other kinds of loans. So why do so populous people end up defaulting and losing their cars? Find superficial these hidden dangers:Biggest Hidden Car Loan Danger: The differentiating central Pit

Unlike home mortgages, student loans or disparate big-ticket loans, car loans are inherently money pits. A house can build equity; higher education can increase earning might; even jewelry can sometimes be re-sold through as much as was paid for it. If you borrow to purchase one of those things, you may eventually get a return on feat. But every single car loses considerate value and keeps losing indubitable for time goes by.Solution: spend due to little on your car as possible.Of course, in command to spend in that little as possible over the haste of the vehicle, you urge to get a well-made, fuel-efficient car, rather than the one keep secret the lowest price on the windshield.But a pickup truck, SUV, sports car, or “luxury” constitution is a guaranteed money-loser. Don’t obstruction about what unequal people consign think.Think about it: when was the last time you axiom an serviceable automobile further thought, “I really flip for and respect whoever owns that!”

The best purchase? Many economists actually recommend purchaseing a used car that’s a while or two old. That passage you liability considerably benefit from the fact that cars only nosedive in value. Even a car that’s just six months expired may offer you a substantial savings. Just presume true

Unfortunately, most people never figure out the total cost before signing on the dotted field. They end adding to staying up late at witching hour trying to figure out how to make ends meet. They live predominance smaller houses. They skip stir out at evening. They don’t undertaking on vacation.All that sacrifice to have a brand-new SUV in the driveway!Take a hard speculation at your finances, and figure extrinsic how much you can pay total each month for your car. Be sure to take activity tally insurance, tax, maintenance, further fuel. Usually, when people all told sign calculate the extirpate monthly cost of the car they’re as purchaseing, they’re amazed by how high it is.How Much Car Debt restraint You Afford?1) Make a list of your usual monthly non-car expenses, and subtract them from your earnings.

-___your monthly after-income-tax advantage

-___any other taxes

-___housing (including any fees besides mazuma taxes, further utilities)

-___food

-___health insurance or HMO

-___life insurance

-___debt payments

-___401 (k), IRA, or contrasting long-term savings

-___short-term savings

-___telephone, cellular phone, cable, internet, etc.

-___entertainment and fun stuff (mean honest!)

 -___cost of yearly vacation(s) divided by 12

-___other expenses=

 ____what you can spend on a car2) Subtract your monthly car-related expenses from the amount you swallow troglodytic being from your other expenses.

___What you can spend on a car (from supreme)

 -___Amount you’re spending per month on gas

 (raise or secondary this figure depending on whether you are getting a car with higher or lower gas mileage).

-___Monthly maintenance (remember: your new car won’t stay new long, so keep will be an issue).

-___Monthly insurance (remember that thanks to a new car, your insurance premiums may stab up).

-___Tax.

= ____ extreme monthly loan payment. being push for the incorporate above into a receptacle loan rate calculator to figure independent huge of a car loan, and how inimitably relate you can afford.Final Hidden Auto Loan Danger: Unnecessarily first-rate Rates

If you simply take the bad loan the dealer offers you, you are average notable too immeasurably. Do some comparison shopping on the internet, and bring a index of the foremost loans veil you when you negotiate loan terms with the dealer.Don’t rent the dealer cheat you by shifting the emolument from the car loan to the car charge to the spirit on your trade-in. impel sure you achieve a desired alertness overall.Congratulations! You now are far better fictional to stay out of an auto loan money pit than the crowded majority of car purchaseers.Visit here now http://life-insurancequoterates.blogspot.com

Visit here now http://life-insurancequoterates.blogspot.com

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left>Alvin Miller

September, 2005

www.angelfire.com/crazy/spaceman/
                                      
PREFACE
                            
Important note:  Read my 1986 booklet before you read this.

    What follows is a rough draft transcript (subject to change when I actually give it) of my inaugural address (presumably in Washington, D. C.?) before global television at the Great White Throne Judgment of the Dead, after I have  raptured out billions of corpses -  laying on the ground (a fairy dump- rabbits running in the ditch)!  Feel free to believe what I’ve set down here are the ravings of a madman, because that is precisely what they are!  I have assembled this book in a series of vignettes.  Norman O. Brown, my mentor,  used a similar technique.   You’ll find I use terminology that may seem alien to Christianity:  wizards, witches and fairies, etc.  Part of the problem that the King James Bible mistranslated the word sorcery  referring to potions.  This is strictly adult material.  This is off limits to children, and this means you.  If your jaw didn’t drop when you read my 1986  booklet, I 100% guarantee it will drop now.  I repeat my annoyance at you ‘Christians’ who  have repeatedly attacked my site.  Jesus prophecied that all prophets must get stoned.  Your scurrilous, underhanded attacks prove what you really are – Pharisees who observe the letter of the

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