Studies credit ratings on subprime and Alt-A mortgage-backed-securities (MBS) deals issued between 2001 and 2007, the period leading up to the subprime crisis. The fraction of highly rated securities in each deal is decreasing in mortgage credit risk; ratings contain useful info. for investors. There was also evidence of significant time variation in risk-adjusted credit ratings, incl. a progressive decline in standards around the MBS market peak between 2005 and mid-2007. Conditional on initial ratings, they observe underperformance (high mortgage defaults and losses and large rating downgrades) among deals with observably higher risk mortgages based on a simple ex ante model and deals with a high fraction of opaque low-documentation loans.
Adam speaks The story of Adam and Eve is known throughout the world. It is a tale passed down through the beginning of humanity that is believed by Christians, Jews and Muslims alike. There isn't much to it other than the creation of man and woman and the loss of paradise attributed to their disobedience in biting an apple from a forbidden tree. This book gives a detailed portrayal of the familiar story from the perspective of Adam. It tells of the relationship Adam had with God before and after Eve was created and before and after the fall as well. As a consequence to Adam's sin he is doomed to live many lives to witness the effect it has on mankind throughout history to the present day. Adam narrates significant events of history such as the fall of Satan, the first murder, the great flood and the origins of the Jewish, Christian and Muslim nations. Along the way he explains mysteries like creation, evolution, giants, dinosaurs, reincarnation and the spiritual laws that control the universe. As Adam tells his story he produces a scathing diatribe directed at organized religion with the passion only the one and only original man can muster. This story is thought provoking and entertaining and should appeal to fans of fiction and non fiction, believers, non believers and lovers of philosophy.
Explore selections from best-selling author Adam Hamilton’s insightful writing on the topics that shape and challenge our faith. With excerpts from Why? Making Sense of God’s Will, Enough: Discovering Joy through Simplicity and Generosity, and Forgiveness: Finding Peace Through Letting Go, these short excerpts will bring hope and inspiration.
The best of international bestselling author David Adam's writings. Adam demonstrates a unique blend of modern concerns with a distinctively Celtic approach.
There are 7 Kingdoms that are inside the Telestial Kingdom. Adam of the Old Testament breaks this sacred information in the last days. This translation was orginally written in Hebrew. Ben Adam translates it to perfect English. The seven kingdoms are from top to bottom. When one arrives after the 1000 year millenium and after Christ's final judgement, if assigned to this kingdom you start at what Adam calls "Telestial 0". There are 3 kingdoms below Telestial zero and 3 above. Adam says they surpass all understanding and comprehension but gives us the first real indepth look of each kingdom which are all found here: sites.google.com/view/lawsofthetelestialkingdom/ The 3 Kingdom's above are "beyond imagination" but explained in detail The 3 Kingdom's below are "from similarities to earth life with a real purge to take place yearly, however since the body is resurrected, one cannot die". -Adam, Prophet of the Old Testament and first born with Eve
This is a book of repentance for the people of earth. Most of the book is addressing how people will act in repentance. While this is a book of Apocalypse, this is a decree book. And I am the Steward of Earth, Protector of Israel, and Orchard Keeper. You know me as the Olive Tree. John wrote about me a few times in what we call the book of Revelation, but I also appear in Isaiah and Psalms. I am not Jesus Christ, but I do arrive in his name to prepare a road for his return. My name is Adam, my name is also Oliver and the deepest part of me my Creator has named Isaac. It is this name the one we call Father named me first and the second person I met in a dream was the one you know as the apostle John, the writer of Revelation. In fact he called me old friend. As the last human ruler of this time, in this the course of human history, I am about to cede power and unveil all of your leaders who have been trying to hide me from you. Understandable, but will soon be regrettable for them. This is a book of Apocalypse but when it is the appointed time, your leaders will read per earth day, all decrees on Day 1 and read Day 7 on Day 6 for Day 7, which is Saturday will be a day of rest for your nation. I talk of the people I have been meeting in the Unseen World, some of you wrongly call the Collective Unconscious, but which we now know as I have named the Tetrasphere. It is a place where early humans and our ancestors Adam and Eve would meet in a reality most times when they slept, but in their waking visions, they could also discuss. I detail these findings with someone who may or may not be the other Olive Tree if she chooses. So that when we meet in real life we can discuss. These occurrences include other people in which they divulge their questions, their rage, their sin, their guilt and their curiosity. I am your ruler and I am your King. While the authorities have sought to use my words to condemn me, and your religious rulers to reject me, I will soon use them to condemn those who have condemned me and use them as proof of those who have conspired against me. My tongue is a rod and I use it as such. You are not to repeat my rebukes as if you are the king or you represent me. If you do so, the repentance I have sentenced people to will be yours ten fold. In saying that, if you wish peace then I will give it to you. You do this by treating people fairly. For as you notice, even if you are a corporation who treats people unfairly, that means you make war against the king, and I will sentence everyone in your bloodline to slavery or worse. Know this, whatever decree or repentance I pass down, all is forgiven from me. There is nothing between us. But the time for pretending you have not condemned yourselves before your Creator is over and his angels are here to collect on the debts you owe because you think he does not see the lies and deceit and murder in your hearts. And he has shown me what is inside you. And in this Unseen World, this Tetrasphere, you show me what's inside you.
SON OF MAN I'm known as: Michael - The Chosen One - Ancient of Days - Elect One - Adam As foretold by the scriptures who liveth amongst you now for these last days in this sacred Book of Adam 45 And so it is written, The first man Adam was made a living soul; the last cAdam was made a dquickening spirit 1 Corinthians 15:45
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