Buying a Car

Choosing a finance package can be more confusing than choosing a car. Make sense of the options with our guide.

These days, private car buyers face a bewildering array of financing options. In fact, choosing your finance package can be as tricky – and as important – as choosing the car itself. So how do you go about deciding? We've listed some advantages and disadvantages of four of the most popular ways to finance a car. Below that, we've added some more comments and advice that you ought to bear in mind.

Hire purchase

The traditional way of buying a car. It’s often arranged through a dealer, but you don’t have to do it that way - you can approach finance companies directly if you wish.

Advantages:

• At the end of the term, the car is your property. Rates tend to be low
• Minimum deposits will also be low, generally from 10%
• The total amount of interest you’ll pay is low compared to other options
• The interest rate may be negotiable - try asking the salesman for a lower rate

Disadvantages:

• The loan is secured on the car, so if you don’t keep up repayments it may be repossessed
• Monthly payments will be higher than for PCPs

Personal loan

Heavily promoted by banks and other financial institutions, many people believe that the attraction of these is that you can get a better deal by offering ‘cash’. This, however is rarely true – dealers and other car sellers make commissions when they arrange finance for you, so they actually have more incentive to give you a good deal if you don’t offer them cash – though that still doesn’t automatically mean they actually will. It makes sense to let the dealer quote and then compare the rate with what you can get elsewhere.

Advantages:

• Easy to arrange
• Rates can be very competitive
• The loan is not secured on the car, so you can sell the car whenever you like without having to repay the loan. Also, the car cannot be repossessed
• the total amount of interest you’ll pay is low compared to other options.

Disadvantages:

• Monthly payments may be relatively high compared to PCPs
• Don't assume that rate is lower than arranging a loan through your dealer, or that the dealer will offer a better deal for 'cash'. Dealers often make commission by selling loans, so they may actually prefer a loan to 'cash'

Extending your mortgage

This can offer you a very low monthly payment, but the big problem is that you’ll be paying for the car for 15 or 20 years – probably much longer than the car will last. The rate may be low, but because it takes so long to repay, you’ll pay more credit charges overall. It may also be complicated and costly to arrange, so it’s unlikely to be worth considering unless you’re re-mortgaging anyway.

Advantages:

• Low rates
• Low monthly payment

Disadvantages:

• Loan is secured on your house: fail to pay and you may lose your home
• You will be paying for the car for many years, probably longer than you keep it
• The total amount of interest you’ll pay is high compared to other options

PCPs

Personal Contract Plans go under a huge variety of names (like Ford Options, Peugeot Passport and so on), but they all work the same way. You pay an upfront deposit, then you pay low monthly payments. After 2 or 3 years you have three options:

• Pay a balloon payment and keep the car
• Return the car and walk away (you must keep within mileage limits and have the car in good condition if you want to do this)
• If the car is worth more than the balloon, (usually it is - but this isn't guaranteed) you can use the difference as all or part of your deposit on your next car

These schemes make most sense for people who like to change their car frequently and like to have a low monthly payment.

Advantages:

• Low monthly payment (this may allow you to get a more expensive car than you otherwise would have)
• Maintenance charges can often be rolled into the payment
• It’s easy to change your car every two or three years You can lock in a guaranteed second-hand value for the car. It's a win-win situation: if the car is worth more than the predicted value, you can sell it on and pocket the difference. If it's worth less, you just hand it back to the finance company.

Disadvantages:

• Total interest charges tend to be high because of the balloon
• If the balloon payment is set too high, the car may be worth less than the balloon payment. If that happens, you can return the car – but you won’t have anything as a deposit for a new car the loan is secured on the car so it can be repossessed the chance of negative equity (see below) is higher with this type of loan
• You will have to keep within a mileage limit if you want to have the option of returning the car at the end of the agreement
• At the end of the agreement, you don’t own the car unless you pay the balloon – so you need to be in a position either to pay the balloon or to take on a fresh loan if you don’t want to end up with no car

Negative equity

This scary-sounding term has a simple meaning. If your car is worth less than you owe on it, you have negative equity. Does that matter? Only if you can’t afford your monthly payment and you to have to pay off the loan – because selling the car won’t settle your debt. (And remember, with loans that are secured on the car, if you do sell it, you must repay the loan.)

Many buyers suffer negative equity, but often they don’t realise it, because by the time they sell their cars, it has passed. It most commonly happens because cars depreciate rapidly after purchase, but the outstanding amount of the loan is paid off more slowly. Those who take PCPs or longer (3 years or more) conventional loans are more likely to suffer negative equity, because they pay off the principal (the borrowed money) more slowly.

You can try to avoid or minimise negative equity by paying a higher deposit or reducing the repayment period of your loan (or both). You can also consider taking payment protection insurance to help ensure you’ll be able to keep up your payments if you lose your income (but check the small print because they don’t cover all eventualities, may only pay for a limited number of months, and may not kick in for 30 days or more after you claim). Whether you buy on credit or not, it rarely makes financial sense to sell your car within a few months of buying it.

Length of loan

For the same amount of borrowing, a shorter repayment period means higher monthly payments. Generally, it’s best to take the shortest length you can manage. This will reduce your total interest charges and help you avoid or minimise negative equity. But naturally, don’t pick a loan length so short that you have a crippling monthly payment or can’t afford the car you need. As a general guideline experts recommend that the repayment period should be no longer than you plan keep the car, or four years at the most.

APR

APRs, or ‘annual percentage rates’ are designed to enable you to compare different types of loan on a level playing field (they’re not the same as the basic interest rate, because they include fees and charges). The law requires lenders to quote them in most circumstances that affect consumers.

However, if you get a finance quote or example, another key figure to look for is the ‘total amount payable’. This will tell you the total amount you’ll have to pay to acquire the car after all fees, charges and interest are taken into account, and it can be a frightening figure (though remember that with PCPs you won’t have to pay the balloon if you return the car). In our opinion this is often an easier way to compare loans.

Extras

Don’t forget that there may be extra charges added to your first or last payments to cover ‘administration’, ‘documentation’ or other such phrases. They all amount to extra profit for the finance company, so remember to take them into account when you’re comparing quotes (they’re included in the ‘total charge for credit’ figure that you’ll see on official quotes or examples).0% finance

0% finance

From time to time cars may be offered with a 0% finance offer – ie, a loan where you don’t have to pay any interest. (This is actually because the carmaker or the dealer pays the interest for you.) This is obviously the cheapest possible way to finance your car – but the problem is that there are often stiff conditions attached. For example, you may have to find a 50% deposit, and the loan may have to be paid off in one year.

If you can’t meet the conditions, it can still make sense to take the loan. If, say, you can’t find the 50% deposit, you could take a personal loan to pay the deposit. Yes, you would then have two loan payments to make – but thanks to the fact that one of the loans doesn’t charge you any interest, your total outgoings should still be lower. So, a little lateral thinking in these circumstances could save you money. However, be careful not to fall into the trap of using this as an excuse to take on more borrowing than you can manage just in order to secure a more attractive rate. It won’t be worth it in the end.

'Watermelon Roll': More Racism from 'Team Sarah

'Watermelon Roll': More Racism from 'Team Sarah'

<http://www.huffingtonpost.com/ geoffrey- dunn/watermellon -roll-more-racb\
_152743.html>

There is something very ugly happening out there in the hinterlands
these days--a brewing cauldron of racist anger being directed at
President-elect Barack Obama as he and his family get ready to move into
the White House. It's a mean-spirited bigotry that is finding its way
onto the internet and right-wing blogs across the country. It makes for
a troubling portrait of a significant cross-section of the American
polity as Obama prepares to take the oath of office as the 44th
President of these United States.

Nowhere have these tendencies been more out-front and prominent than at
TeamSarah.org <http://www.teamsarah.org/> , a website organized by "a
coalition of women dedicated to advancing the values that Sarah Palin
represents in the political process." Men, according to an exclamatory
notice, are welcome, too.

The web site is funded--and hosted--by the Susan B. Anthony List
Candidate Fund Project <http://www.sba- list.org/> , a national
right-wing, pro-life Political Action Committee headed up by one
Marjorie Dannenfelser, an ardent pro-life advocate. I know about
Dannenfelser and the Susan B. Anthony group because earlier this year,
the San Francisco Chronicle pitted Ms. Dannenfelser and me against each
other in an op-ed page debate over the qualifications of Governor Palin
to speak for families with special-needs children. Needless to say, Ms.
Dannensfelser
<http://www.sfgate. com/cgi-bin/ article.cgi? f=/c/a/2008/ 10/29/EDE213PJE8 .\
DTL> championed the activities of Governor Palin in this regard, while
I did not
<http://www.sfgate. com/cgi-bin/ article.cgi? f=/c/a/2008/ 10/28/EDE213PJQG .\
DTL> . I have a special needs child and I find the idea of Palin
speaking on my child's behalf an absolute outrage. No friend of special
needs families is she.

So I was not surprised to find that the Anthony group was behind the
Team Sarah web site. According to Ms. Dannenfelser "Team Sarah was
formed to capitalize off the enthusiasm of the Palin Vice Presidential
candidacy with the goal of reaching women voters and urging them to
support John McCain and Governor Sarah Palin. Our goal was to win the
Election. Several prominent women are involved with the project,
including D.C. veteran Barbara Comstock, former First Lady candidate
Jeri Thompson, FRC Action Vice President Connie Mackey, and actress
Janine Turner <http://http/ /en.wikipedia. org/wiki/ Janine_Turner> ,
formerly (appropriately) of Northern Exposure." Now they are carrying
the banner of Palin for President in 2012. (According to their website,
membership is 62,639 and counting.)

Nor was I surprised when I went to the site to find all sorts pro-life
and anti-abortion links, with lots of Christian hyperbole. There are
also links to "Catholics for Sarah," "Christians for Sarah," and, of
course, obligatory links to Rush Limbaugh and Fox News. There's also a
good amount of "clinging to our guns and our religion" in rhetoric that
sounds straight out of the 17th century.

You can even find out why so many people hate Sarah Palin--"Her husband
is a masculine hottie ," writes Dana. "Now I'm a straight guy, but I
know when a guy is hott and Todd is hott. [sic] The left usually views
masculine hotties as wife beaters who oppress their woman." Okay. And
you are correct to presume that spelling and grammar do not seem to be
highly valued on the site. (And, because of that, all spelling from the
site is left exactly as it appears.)

There's also an incessant whine about the left-wing media bashing Palin,
especially on the Huffington Post. Says Ronald: "Most people (like the
media) who try to make others believe that Sara is dumb and stupid or
inexperienced actually fear her because of her faith and goodness." So
that's it.

But what's interesting is that there are actually more blog topics about
"Obama" than about "Palin." Of course, Obama's citizenship, birth
certificate, and alleged Muslim upbringing are constantly questioned,
along with his youthful drug use (though funny, Palin's admitted use of
marijuana is not, and we won't even mention Levi Johnston's mother).
There are also a lot of references to Obama being the anti-Christ: "He
is the antichrist sent here to destroy America. Nobody knows who he is
or where he was born."

And then there's some plain, downright nastiness and plenty of good ol'
fashioned racism that, well, certainly doesn't sound Christian, if you
catch my drift. When a blogger named James asks if anybody has bought
the new Obama coins, SavantNoir responds: "[Y]es James, and i melted it
down to see the look of agnoy on his face, made it a BB pellet and shot
it into a pile of shit."

On one blog Heather describes Election Day as the "most terrible" in
history and asks "how long until obama is shot??????" Josie responds:
"There are plenty of people that would like to see Obama end that way."

Nice. Then there's the "Obama the Snowman" song:
Obama the Snowman
Was a very scary soul
With a marijuana pipe
And two eyes made out of skoal
Obama the Snowman
Is a Kenyan they say
He liked his white nose snow
But the Americans know
How he stole their country one day

And guess what? It sounds exactly like the kind of racist remarks that
were being sent recently on State of Alaska government emails
<http://www.huffingt onpost.com/ geoffrey- dunn/racist- emails-on- state-of_ b\
_151971.html> .

Under a post entitled "Police prepare for RIOTS," by one BarbaraJo, one
concerned blogger named Tommygun responded:
"For people in urban/Obama areas--do this now: 1. Stock up on some basic
supplies--food, health and hygiene, water, etc. 2. Keep track of where
your family members are. 3. Work up meeting points in your community for
your family (different spots in town where members are to go if problems
occur). 4. Check and prepare any weapons you may have."
In response, a blogger named Johnny got more to the point:

"Well niggers will occasionally chimp out like this, am I right?"
While several Team Sarah members condemned that particular post, it's
remnants are still up on the web site.

Then there's the probing political analysis you can find on Team Sarah:
"Funny thing, when voters are offered the chance, they always vote to
ban gay marriage. What I really find hilarious though, is the gays
supported Barry Obama in force. And yet, thanks to Barry's "blackness"
the negroes came out in force in California to vote for him! And negroes
are pretty conventional when t comes to values. Most are rather
conservative, which is why I can't understand for the life of me why the
vote for democrats."
There's also a lot of Michelle Obama bashing, too, where she is often
referred to as "Bitchelle." Take this current thread:

GaryP: This Obama worship has got to stop! Politico is now saying that
since Michelle "gave up so much", that she should get a salary as well!

Biruta: She should be paid millions of counterfeit money, just as fake
as her husband and as worthless as herself.

AmericanDog: Pay her the sum of $1.oo and then tax her at the rate of 53
% to appease her husbands new tax plans. And she would still be over
paid.......

Ava M: I have never actually HATED anyone in politics before now....She
is stupid, mean, power hungry, manipulative, corrupt, essentially
ignorant--a poster girl for Institutionalized Black Racism and
Agression, a take-no-prisoners warrior for Political Correctnes aka
Socialist Realism and a racially driven Communist fellow traveller. Let
her go run an African country. She doesn't fit in here with the American
People.

Apparently, she, like her husband, isn't one of us. Sound familiar?

Then there was the musing about the Obama Inaugural, first reported in
the Alaska Dispatch
<http://www.alaskadi spatch.com/ tundra-talk/ 1-talk-of- the-tundra/ 343-team\
-sarah-out-for- blood.html> by its fine reporter, Amanda Coyne:
Wendell: I just can't wait to see the Inaugeral ball... I heard the
Presidential Waltz will be replaced by Barack and Michelle "Crumpin".

tami: I am sure michelle will dance like a horse

Wendell: followed by the new cabinet break dancing...

Christopher: Not trying to get too racial, but I have never met a black
woman who could not dance.

tommykb3grz: the 4th of july watermellon roll on the south lawn

Wendell: a 4-inch diameter Presidential Seal in gold hanging from
Obama's neck

Surely, by now, you get the point. And just when you think you've seen
it all, "Team Sarah" member Jarhead comes up with this:
"Aside form Obama being an utter Moron I suppose he is a nice enough
person. I personally put his happy little smile on every Terrorist face
in Rainbow six [a video game], just before my cross hairs line up..."

So much for Christian charity. As for Sarah Palin herself, she has yet
to officially sign up for the web site, though she did send a note to
the founders of the organization. "I received the packet of letters
through Team Sarah and am inspired!," she wrote. "Thank you for all you
are doing for women, families, children... America!"

Atlantis and Lemuria

Let us examine our past of which many of us have been denied. Let us see how far back does our history really go back despite being taught that the knowledge of human recorded history only goes back a few thousand years. Some of the evidence is in what follows.

Do You Believe In Atlantis? After reading this I would love some feed back.

'Lemuria' (a French word that means "Land of The Moors") is an antediluvian nation (A nation that existed before the Great Flood) that memory of has been retained by various cultural traditions. In Western terms, Lemuria is supposed be a continent that was once where the Pacific Ocean is now located. It connected India, East Africa, and South America. It is also referred to as Gondwanaland, the lost continent below the Pacific. Lemuria is supposed to be the most ancient of nations and the original birthplace of humanity. When this continent sank due to cataclysmic Earth changes, a remnant of humanity was saved and founded what is known as Atlantis. Atlantis is considered another antediluvian nation. Ancient Egyptian civilization is supposed to be the offspring of Atlantis, a remnant escaping its cataclysmic sinking to the bottom of where the Atlantic Ocean is currently located.

Most of the Western World's knowledge of Antediluvian cultures comes from the Greek Philosophers Aristotle and his mentor Solon. Solon learned of Atlantis while studying with the priests of Sais - the school of priests within lower Kemet. These Kemetic Priests recounted to Solon the story of a great and mighty nation whose power and authority stretched around the entire planet. This nation was destroyed by a cataclysmic Earth change that caused massive flooding. However, before recounting these historical accounts to Solon, they ridiculed him and Greek history, for they considered Solon and his kindred 'children'.

O Solon, Solon, you Hellenes are but children… As for the genealogies of yours, which you have recounted to us, Solon, they are no better than the tales of children; for in the first place; you remember one deluge only, whereas there were many of them….

This statement is very important when considering Atlantis and Lemuria. If Solon's source for information on Atlantis and Lemuria is Kemetic, Egyptian historical accounts should be explored for a more accurate overstanding of these antediluvian nations.

What Does Kemetic Sources Reveal of Antediluvian Culture?

'Egyptologists' like to paint the picture that Kemetic High Culture sprang up suddenly with the 1st Dynasty of Menes/Aha around 3100 BCE (some say 4240 BCE). However, Kemetic accounts of their history date back around 33,000 to 52,000 years before the First Dynasty was founded.

One source is referred to as The Royal Papyrus of Turin, which lists all of the Kings who ruled Kemet from Menes through the New Kingdom of the 18th Dynasty. However, before this royal list, they have recorded the rule of Ten 'Neter' - Ptah, Ra, Shu, Geb, Asar, Set, Heru, Tehuti, Maat, and Heru who reigned on the planet. These Neter were said to have collectively ruled for 23,200 years. Following the rule of Gods are Nine Dynasties of Shemsu Hor: 'Followers of Heru'. The Followers of Heru are depicted as Demi-Gods; immortal humans who were the children of the Neter. They ruled for 13,420 years before the reign of Menes. The Papyrus of Turin as a result accounts for 33,620 years of 'pre-history'.

Diodorus of Sicily, in his Library of History, says that Kemetic sources he spoke to chronicled a rule of Gods and Heroes that lasted 18,000 years. Divine Humans then ruled for a span of 15,000 years, for a span of 33,000 years of culture before the reign of Menes.

Herodotus chronicles a reign of 340 Dynasties of King

and High Priests who ruled Kemet before Hellenistic occupation. He says that the Kemetic Priests he spoke to said, "...On four separate occasions, the Sun moved from its wonted course, twice rising where it now sets, and twice setting where it now rises...." This is reference to the Precession of the Equinoxes, a phenomena caused by the Earth's wobbly rotation. The wobble in the Earth's rotation causes the zodiacal constellations that are on the Eastern Horizon at Sunrise on the Equinox to change over time. It takes about 2,160 years for the Equinox sunrise to process through one sign, and about 25,690 years to move 360 degrees through all 12 signs of the Zodiac. This means that the Kemites have a chronology that dates back about 52,000 years (two full Precessions {Precession is a change in the orientation of the rotational axis of a rotating body. In an appropriate reference frame it can be defined as a change in the first Euler angle, whereas the third Euler angle defines the rotation itself.} of the Equinox).

There is more: Manetho chronicles 15,150 years of 'Divine Dynasties and 9,777 years of mortal Kings before Menes. This totals 24,927 years of History. Another Kemetic chronologer of antiquity - George the Syncellus, recounts that the Kemites possessed a tablet that chronicled thirty dynasties preceded by a reign of Neter - all of which occurred during twenty-five "Sothic Cycles". Sothic Cycles are also known as the "Long Year", which records the movement of the helical rising of Sirius through the dates of the civil calendar. Every four years, the helical rising of Sirius (the day Sirius is on the Eastern horizon as the Sun rises) occurs one calendar day later. This occurs because a civil calendar year is 365 days; but a solar year is actually 365 ¼ days long. Therefore, if a 'leap year' were not incorporated into the civil calendar, solar events (Equinoxes/solstices/ helical risings of stars) would occur one day later every four years.

The Kemites tracked Sirius' helical rising as it moved through the civil calendar. They noted that if the helical rising occurred on July 23rd for example, it would take 1,461 years for the helical rising to occur on that date again. This 1,461-year period is the "Sothic Long Year".
25 times 1,461 years is approximately 36,525 years of chronicled History.

However, within all of these chronicles, there is no mention of 'Atlantis'. From where does the Kemetic root origin of this word spring? Gerald Massey in Ancient Egypt: Light of the World explores the language of the Nile Valley for a root of the Greek term Atlantis. He says that Atlantis is a compound word composed of two Kemetic terms: Atl-Antu. Atl is associated with water, and implies a limit or boundary marked by water. Massey says that Antu denotes a measure of land, nome, or mound. Therefore, the seven islands of Atlantis were the seven nomes of Kemet; canals and/or rivers defined the boundaries of these city-states. Massey continues:

And among the nomes of Egypt we find the nome of the Prince of Annu; the nome of the Prince of Lower Egypt; the nome of Supti (Sut); the nome of Sanhutit (Heru); the nome of Sebek; the nome of Shu; the nome of Hapi. Here then, if anywhere on earth, we find a geographical prototype for the Atlantis that was lost in seven islands, according to the records kept by the astronomers, which are preserved in the mythography…

So, in this sense, the Antediluvian Land is the Nile Valley topography from its origins in the Great Lakes South all the way North to the Delta; and Atlantis refers to a time before the Flood Waters in Kemet.

Reaffirming this perspective is an account of a 'Great Deluge' in Kemetic tradition that clearly identifies the antediluvian geography. In the Book of Coming Forth By Day (Egyptian Book of the Dead), Chapter CLXXV recounts the Destruction of Mankind by Ra-Temu. Ra-Temu is dismayed at humanity because some rebels were plotting to overthrow his supremacy. He ascends above the Earth's surface in his 'Ark of a Million Years', and commanded Sekhet the heavenly lioness to unleash the waters of heaven and flood the planet. Sekhet does so, and the waters flood the seven nomes of mankind from Henensu in Upper Kemet (Edfu, the Greek Herakleopolis) all the way north to the nome of Lower Egypt.

There is archeological evidence that supports that the Nile Valley has been completely inundated. For example, seashells have been unearthed in the sands right by the Great Pyramid of Giza. Moreover, the Sphinx of Giza shows definite signs of water erosion, even though it never rains in the Nile Valley. The pattern and position of the erosion

and High Priests who ruled Kemet before Hellenistic occupation. He says that the Kemetic Priests he spoke to said, "...On four separate occasions, the Sun moved from its wonted course, twice rising where it now sets, and twice setting where it now rises...." This is reference to the Precession of the Equinoxes, a phenomena caused by the Earth's wobbly rotation. The wobble in the Earth's rotation causes the zodiacal constellations that are on the Eastern Horizon at Sunrise on the Equinox to change over time. It takes about 2,160 years for the Equinox sunrise to process through one sign, and about 25,690 years to move 360 degrees through all 12 signs of the Zodiac. This means that the Kemites have a chronology that dates back about 52,000 years (two full Precessions of the Equinox).

There is more: Manetho chronicles 15,150 years of 'Divine Dynasties and 9,777 years of mortal Kings before Menes. This totals 24,927 years of History. Another Kemetic chronologer of antiquity - George the Syncellus, recounts that the Kemites possessed a tablet that chronicled thirty dynasties preceded by a reign of Neter - all of which occurred during twenty-five "Sothic Cycles". Sothic Cycles are also known as the "Long Year", which records the movement of the helical rising of Sirius through the dates of the civil calendar. Every four years, the helical rising of Sirius (the day Sirius is on the Eastern horizon as the Sun rises) occurs one calendar day later. This occurs because a civil calendar year is 365 days; but a solar year is actually 365 ¼ days long. Therefore, if a 'leap year' were not incorporated into the civil calendar, solar events (Equinoxes/solstices/ helical risings of stars) would occur one day later every four years.

The Kemites tracked Sirius' helical rising as it moved through the civil calendar. They noted that if the helical rising occurred on July 23rd for example, it would take 1,461 years for the helical rising to occur on that date again. This 1,461-year period is the "Sothic Long Year".
25 times 1,461 years is approximately 36,525 years of chronicled History.

However, within all of these chronicles, there is no mention of 'Atlantis'. From where does the Kemetic root origin of this word spring? Gerald Massey in Ancient Egypt: Light of the World explores the language of the Nile Valley for a root of the Greek term Atlantis. He says that Atlantis is a compound word composed of two Kemetic terms: Atl-Antu. Atl is associated with water, and implies a limit or boundary marked by water. Massey says that Antu denotes a measure of land, nome, or mound. Therefore, the seven islands of Atlantis were the seven nomes of Kemet; canals and/or rivers defined the boundaries of these city-states. Massey continues:

And among the nomes of Egypt we find the nome of the Prince of Annu; the nome of the Prince of Lower Egypt; the nome of Supti (Sut); the nome of Sanhutit (Heru); the nome of Sebek; the nome of Shu; the nome of Hapi. Here then, if anywhere on earth, we find a geographical prototype for the Atlantis that was lost in seven islands, according to the records kept by the astronomers, which are preserved in the mythography…

So, in this sense, the Antediluvian Land is the Nile Valley topography from its origins in the Great Lakes South all the way North to the Delta; and Atlantis refers to a time before the Flood Waters in Kemet.

Reaffirming this perspective is an account of a 'Great Deluge' in Kemetic tradition that clearly identifies the antediluvian geography. In the Book of Coming Forth By Day (Egyptian Book of the Dead), Chapter CLXXV recounts the Destruction of Mankind by Ra-Temu. Ra-Temu is dismayed at humanity because some rebels were plotting to overthrow his supremacy. He ascends above the Earth's surface in his 'Ark of a Million Years', and commanded Sekhet the heavenly lioness to unleash the waters of heaven and flood the planet. Sekhet does so, and the waters flood the seven nomes of mankind from Henensu in Upper Kemet (Edfu, the Greek Herakleopolis) all the way north to the nome of Lower Egypt.

There is archeological evidence that supports that the Nile Valley has been completely inundated. For example, seashells have been unearthed in the sands right by the Great Pyramid of Giza. Moreover, the Sphinx of Giza shows definite signs of water erosion, even though it never rains in the Nile Valley. The pattern and position of the erosion indicates that the lower portion of the Sphinx - from the base of the neck down - was under water.

Ta-Neter: The Kemetic Lemuria

Kemetic cosmology - the chronicling of creation and divine origins of humans - reveals more about Antediluvian High Culture. According to Kemetic tradition, their earliest ancestors were a people called the Anu. The Anu originated in the highlands of the Upper Nile region where the Blue and White Nile begin. The Anu, 'The Fish People', also known as "The Black-Headed", founded a nation in this Edenic region named Ta-Neter: Land of the Gods. The Kemites also called these regions Apta: 'The Summit of the Earth'. Apta is the Original Mountain of the Gods, the Kemetic Mount 'Hetep', the Hindu Mount Meru (Meroe), and the Greek Mount Olympus. This region is a vast plateau in modern Kenya, Uganda, Rwanda, Burundi, Tanzania, Malawi, and Eastern Zaire. The average altitude of these regions is 5000 feet above sea level. The runoff of the Great Lakes in these regions is the source of the White Nile.

In Kemetic cosmology, Ta Neter is depicted as an Earthly paradise where the Hue-man Gods who lived there were immortal. This original Garden of Eden was a place where water and vegetation were in continual abundance. In this Kush oasis, fresh water perpetually wells up from Amen-ta - the Underworld.

According to the Kemetic Star Clock that measures the Precession of the Equinoxes, the Anu had to found Ta-Neter either 26,000 years ago or 52,000 years ago (Since the Anu are referred to as the 'Fish People', they probably founded their culture in the Age of Pisces, which last occurred from circa 26,000-24,000 years ago. The one prior was about 52,000 BCE).

Ta-Neter is more than likely the actual Lemuria - the very first antediluvian nation. Modern archeological and anthropological research into the origins of humanity all point to highland plateaus of Eastern Africa as the birthplace of humanity, verifying Kemetic chronicles and reaffirming the consistency of Lemuria being this land.

Ta-Seti: The Kemetic Atlantis

Kemetic cosmology chronicles that around 19,000 years ago, in the Age of Sagittarius according to the Precession of the Equinoxes, a nation called Ta-Seti was founded. Ta Seti literally means 'Land of Set'. It was also known as the 'Land of the Bow' and its icon symbol was the arched bow.

The land of the Bow was in Eastern-Central Africa north of Ta-Neter, but still south of Kemet Proper. This region of the White Nile begins when the 'Mountain Nile' of Ta Neter runs down to the plains of the Sudan. This begins abruptly at the sixth cataract, near modern-day Khartoum, Sudan. Ta-Seti extended north to around the 1st-2nd cataract, this northern extension ending at the southern frontier of Kemet.

More than likely, the nation of Ta-Seti is the mythical Atlantis. Several classical sources lend credence to this. Pliny the Elder, in his Natural History, says that the Ethiopians were originally known as the Atlantae.

As stated, much of what is known about Atlantis in the West comes from the accounts of Aristotle and Solon, the well-known Greek philosophers. Solon learned of Atlantis while studying with the priests of Sais - the school of priests within lower Kemet. The Priests relate to Solon that about 9000 years prior to Hellenistic times, a mighty nation arose which practically conquered the whole world. Its territory stretched throughout the entire African continent (Libya from the Straits of Hercules in the West to Kemet in the East). This nation also consumed "the whole of Europe and Asia".

According to Solon, the progenitor of Atlantis was a God: Poseidon. He mated with a mortal human and begot ten children. The last of the ten was named Atlas, whom became an immortal king over Atlantis. Solon said that for a long time, the Atlanteans were righteous. However, over time, they grew vain, weak, and greedy. It is said that Poseidon created a large island over the Atlantic Ocean for the rulers of Atlantis to reign from. They built elaborate palaces and temples that were covered in gold, silver, tin, and brass. The Atlanteans dug all manner of metal and stone from the Earth, including a special stone named orichalum. They were aggressive warriors with advanced technologies, and exploited the entire planet.

The God Zeus grew vex with Atlantean exploits, and in one day destroyed its world supremacy: "...Afterward there occurred violent earthquakes and floods, and in a single day and night of rain...the island of Atlantis in like manner disappeared, and was sunk beneath the sea..."

Comparing Greek mythoforms to their original cosmological characters in Kemet, Poseidon corresponds to Nun: The male ruler of celestial and terrestrial waters. Nun was the national deity of the Nile Valley in distant antiquity, around 21,730-19,570 BCE during the Age of Capricorn according to the Precession of the Equinoxes. The Age of Capricorn is the Age prior to the Age of Sagittarius, (the Precession of the Equinoxes travels retrograde - backward through the zodiac) the age in which Ta-Seti (Land of the Bow) emerged. Therefore, Nun (Poseidon), being ruler of the previous age, is considered the Father of Atlas (Atlantis/Ta-Seti).

Therefore, it can be deduced from Solon's account of Atlantis that Ta-Seti was founded in the Age of Sagittarius, around 19,500 BCE. The nation was righteous for close to 10,000 years, at which time it grew corrupt, culminating in the catastrophic events Solon says occurred around 9000 years prior to Grecian times.

9000 years prior to Solon's age is about 9500 BCE. According to the Precession of the Equinoxes, this time frame would fall within the Age of Leo.

Placing a cataclysmic flooding in this Age would shed light on one of the great mysteries about Kemet: The Sphinx. The Sphinx is a Lion-Headed monolithic (one stone) monument found near the Great Pyramid complex in Giza, Lower Kemet. It is a known fact that the Sphinx was not constructed during Pharaohnic Kemet. It would be anachronistic (out of synch with time) to create a Lion-Headed edifice in the Age of Taurus, when Pharaohnic Kemet was founded. All edifices of this age were made in the image of a Bull, calf or cow. Moreover, there are no references to the Sphinx at all during the Early and Middle Kingdom Periods. It is not until the 18th Dynasty that Tutmosis IV had a dream in which the 'Khar' revealed himself and asked him to unearth him. Tutmosis did so and excavated the buried temple. He recorded the deed on a stone tablet around 1400 BCE, and this if the 1st reference to the Khar since Menes founded Kemet around 4240BCE.

Furthermore, it was stated that the erosion visible on the Khar is clearly caused by water, not sand or wind. Sand and wind erosion would cause randomly placed spots of erosion that would be most prevalent at the top of the structure. However, the sphinx has striated (lined) patterns of erosion that starts from the bottom and rises to the top. Only continual submersion in waves of water causes this type of erosion. Add to this that sea shells are found in the sand around this temple, it is almost conclusive that about 11,000 years ago - in the Age of Leo according to the Precession of the Equinoxes - there was a highly advanced culture in the Nile Valley that was submerged in a flood and subsequently buried in seas of sand.

There is yet another significant archeological piece of evidence that supports this: The Zodiac of Dendera. This is a circular set of mdu ntr that depicts in astrological symbols the nature of the historical ages in the Nile Valley. On the zodiac of Dendera, the Lion, symbol for Leo, is riding in a boat. This shows within Kemetic chronicling of the Ages, the Sign Leo is associated with a time of flooding.

Zulu Reaffirmations from Credo Mutwa

Credo Mutwa, the last Sangoma - Keeper of Culture - for the Zulu Nation, shares the Zulu account of Lemuria and Atlantis. He says this story comes from the 'The Wise Ones of the Bakongo [and] The Holy Ones of Kariba Gorge'. These are two African peoples who live in the original territory of Ta-Neter. They say that they - the Bantu (Anu) - are the first humans on the planet. They say originally everybody looked the same and spoke the same language. There was no giant Wa-tutsi, or short Ba-twa, yellow Khoisan Bushman, or long-bearded Arabi. There was peace in the sky, peace in the forest. Man was one with wild animals, and did not fear them. There were no feelings like anger and hate, greed or selfishness (Ancient Lemuria/Ta-Neter).

However, a terrible thing happened one day. A beautiful woman named Kei-Lei-Si gave birth to a deformed child. It had only one eye and one nostril. Its mouth was twisted to one side, with drool slobbering from it copiously. Its limbs were stumped and stiff, and its torso distended. The sacred birds of the land told Kei-Lei-Si to destroy the monster, because they sensed that - beyond looking beastly - the soul in this thing was pure evil. Kei-Lei-Si refused to believe her child could be evil, so she ran off with her spawn. This evil being is named Zah-Ha-Rrellel, The Wicked.

Kei-Lei-Si took her evil seed and fled to a cave. There, the two lived on crabs and fish that lived in an underwater stream. The evil Zah-Ha-Rrellel did not speak to his mother - the only sounds he made was a disturbing gurgling whistle while he breathed. However, one day Kei-Lei-Si left the cave for a while to gather some materials. When she returned, she heard Zah-Ha-Rrellel humming a bizarre tune. When she looked closely, she realized he was actually incanting a strange metallic being into existence. She screamed in horror, wishing she had listened to the Kaa-U-La birds. However, it was too late. The metallic zombie of Zah-Ha-Rrellel, a tokoloshe pounced on the defenseless mother. A strange needle-like object came out of it and plunged deep in Kei-Lei-Si's belly. It sucked out all of her ovaries, and with them the evil one generated thousands of demonic beast. Kei-Lei-Si's last sight before she died was four winged tokoloshes carrying Zah-Ha-Rrellel aloft out of the cave.

The Kaa-U-La birds, when they saw the wicked one and his army of zombie-demons leave out of the cave, amassed an army and waged war against them. However, the metallic claws and saber-like tails of the tokoloshe decimated the beautiful birds. As they slew the birds, the tokoloshes would suck the blood out of them, and then spawn hundreds more of their kind in the process.

Humanity knew not evil, they had no concept of war, fighting, and conflict. The first humans stood defenseless against the wicked one. Zah-Ha-Rrellel made himself King of the planet, and ruler of all people. The name of Zah-Ha-Rrellel 's Empire was called Amarire or Murire. He deceived humanity by saying that God sent him to uplift humanity out of primitive existence. He would build shelters for them, kill off all of the dangerous animals, and create metal slaves to cultivate the land. People no longer had to do anything to live - they did not have to grow their food, cook their food, light a fire, or even walk long distances. Everything they wanted was automatically provided for them.

However, laziness began to decay the health of these lavish-living people. They began to lose mobility in their limbs, and they grew grotesquely fat. Over time, they also lost the ability to reproduce. So Zah-Ha-Rrellel taught them wicked things - like how to take other people's body parts and the secrets of immortality through blood-sucking and genetic manipulation.

Ma, The 'Great Spirit that Lives in the Tree of Life' saw the wickedness of Murire, and decided to send them a message. She sent rain clouds to cover the whole planet and a great flood that submerged half of the Wicked Empire in one day. Zah-Ha-Rrellel commanded his metallic and sub-human tokoloshe to create giant ships - each one over a hundred miles long. On these floating masses the wicked one built cities of pure gold, and created an artificial Sun to light the sky below the clouds. He then did something inconceivable. Zah-Ha-Rrellel thought that if he could capture the Great Spirit that Lives in the Tree of Life, he would not only be ruler of planet Earth, but also ruler of Eternity and the Universe. So, he conjured up a metallic army of flying insects. They resembled giant horseflies crossed with hornets. Stingers came from out of the mouths and hind parts of these beasts. He then transported them to the celestial home of Ma. There they attacked and slashed until they separated the Great Mother of Heaven from her home. They then brought her back to Earth.

However, this was Zah-Ha-Rrellel's fatal move, for the mere presence of the Ma on the planet caused massive Earth changes to occur. Ma, in her anger and rage, called out to the planet to help her. Massive Earthquakes resounded, volcanic eruptions exploded, whole landmasses sunk. The chaos of the revolting Earth awakened the Tokoloshes out of their zombie-like enslavement. They rose up and rebelled against their evil oppressor. One in particular - Odu, took a double-headed axe and cut out the heart and lungs of Zah-Ha-Rrellel as massive waves of waters flooded out the remaining areas of the empire. Amarire was no more - Murire was destroyed completely.

The accounts of the Ba-Kongo and the Tonga-Ile (the Holy Ones of Kariba Gorge) are consistent with Solon's account of Atlantis, and have definite correspondences with Kemetic cosmology. Within Kemetic cosmology, Zah-Ha-Rrellel is the Kemetic Set. According to Kemetic cosmology, the Setians were once noble, and Set was a favored Neter of the Most High in Kemetic cosmology - Ra. However, over time Set's character became wicked, and depending on the age of the cosmology, Set is depicted in one of three ways:

Rebelling against Ra his Heavenly Father:
Engaging in perpetual warfare against his brother Heru;
Killing his brother Asar and abdicating his throne.

That fact that such a detailed account of Murire (Mu - Lemuria) that is consistent with the tales of Lemuria/Atlantis is found in the region that was formerly Ta-Neter - the Tonga-Ile are originally from Northern Zimbabwe near Lake Kariba; the Ba-Kongo stretch from these same regions East to the Crystal Mountains of the Congo River Basin - is very significant, and is yet another reaffirmation that antediluvian civilization was centered in Africa, not sunken continents in the Ocean.

The Wise One Of the Ba-Kongo and Holy Ones of Kariba as African-Crystal Earth Keepers

Another significant factor to consider when looking at the region of Ta-Neter/Ta-Seti as the center of Lemurian/Atlantean culture is that the contemporary inhabitants of these regions are crystal-keepers just like the fabled Atlanteans & Lemurians are portrayed as being.

The capitol of the Ba-Kongo Nation, Mbanza, is situated in a range of mountains called the Crystal Mountains. These are a range of mountains situated about 200 miles East of where the Congo feeds into the Atlantic. The priests of the Ba-Kongo maintained their shrines in giant crystal caves deep in the mountain - huge caverns that were walls of shiny quartz points. These caves were illuminated naturally. In these sacred vaults of the Earth, Ba'Kongo priests would create elaborate ancestral shrines and alters to various deities. They would perform rituals that kept the planet in balance with the space-time continuum, as well as combat the forces of wickedness and corruption on the planet. (For more in-depth reasonings on the Ba-Kongo, check out

"The Ba'kongo Nation from the Crystal Mountains of Congo, West-Central Africa: Little-Known

Ancestral Source of Crystal High Science among Africans-in-America").

The Tonga-Ila, also known as the Ba'Tonga, performed similar functions in crystal caves in South-Eastern Africa. The Ba'Tonga are considered the Elder branch of all Ba'ntu who live South of the Limpopo River. They are highly revered among the Ba'ntu throughout the Continent. Credo Mutwa says that the Tonga-Ila were "...famous for their power of settling disputes without using weapons, famous for their legends, their songs, and the degree to which they had developed the Great powers of the human brain... Tonga-Ila men could walk unmolested into the heat of a savage tribal fight and command both warring sides to lay down their weapons - and the fight would stop immediately..."

The Tonga-Ila lived in Kariba Gorge, a large, rocky outcropping that the Zambezi river runs through. Kariba is a most sacred land to the Ba'Ntu. They consider it "The Naval of the Earth" because they noticed that it was an equidistant migration from the land of Katanga, Nyasa, Mashona, and Zambia.

Moreover, Kariba Gorge was considered the Gates of the Underworld. There was a crevice of two rocks from which one could hear the raging of a Great underground river deep in the Earth. The river - Lulungwa Mangakatsi, or "The river that flows down below", led to the path to the spirit-world within the planet.

There was also a very sacred cave in Kariba known as "the Knot of Time". This cave was a place where the Past, Present, and Future all came together and was held in balance. It too was a crystal cave, where the sacred priests who maintained it could see the visions of time. (These sacred sites are referred to in the past tense because the wicked Cecil Rhodes commissioned a dam to be built on the Zambezi, which flooded the Kariba Gorge and displaced/killed, the Tonga-Ila. These sacred sites are now under Kariba Lake.)

Extraterrestrial Origins of African People

What does the Lemurian Seed Crystals have to do with the Ba-Kongo, the Tonga-Ila, and their sacred crystal caves? The answer lies in the extraterrestrial origins of African People.

African-centered scholars have not adequately explored the extraterrestrial origins of African people. A strange phenomena has occurred within the Ebony towers. African-centered scholars, in their zeal to claim the Nile Valley cultures of Kemet and Kush as Classical African civilizations, rejected any research that indicated that Kemetic civilization appeared extraterrestrial in its origin. The response was that this was yet another Euro centric attempt to once again deny the African a place in History; for if Europeans are not responsible for Kemetic culture, then extraterrestrials are.

This line of reasoning is contrary to the concept of African Deep Thought manifested by Dr. Jacob Carruthers, and it is particularly contrary to the beliefs and teachings of our African ancestors. For almost every indigenous African cultural group acknowledges that the first African Ancestors to walk this planet came from the stars.

Credo Mutwa says it clearly: "...The people of Rwanda, the Hutu people, as well as the Watusi people, state, and they are not the only people in Africa who state this, that their very oldest ancestors were a race of beings whom they called the Imanujela, which means "the Lords who have come". And some tribes in West Africa, such as a Bambara people, also say the same thing. They say that they came from the sky, many, many generations ago, a race of highly advanced and fearsome creatures, which looked like men, and they call them Zishwezi. The word Zishwezi means the dival or the glidal-creatures that can glide down from the sky or glide through water. Everybody has heard about the Dogon people in Western Africa who all say that they were given culture by the normal beings, but they are not-the Dogon people are but ONE of many, many peoples in Africa who claim that their tribe or their king were first founded by the supernatural race of creatures that came from the sky... The Zulu people, who are famous as a warrior people, the people to whom King Shaka Zulu, of the last century, belonged. When you ask a South African White anthropologist what the name of Zulu means, he will say it means "the sky" (laughter), and therefore the Zulu call themselves "people of the sky". That, sir, is non-sense. In the Zulu language, our name for the sky, the blue sky, is sibakabaka. Our name for inter-planetary space, however, is izulu and the weduzulu, which means "inter-planetary space, the dark sky that you see with stars in it every night", also has to do with traveling, sir. The Zulu word for traveling at random, like a nomad or a gypsy, is izula. Now, you can see that the Zulu people in South Africa were aware of
the fact that you can travel through space-not through the sky like a bird-but you can travel through space...

The Dogon of Mali are clear and explicit on the exact star system, which is our original homeland: the Sirius Star system. The Dogon dwell in a mountainous terrain near the border of Mali and Upper Volta in West Africa. The Dogon revealed some of their cosmological science through their interaction with two French anthropologists: Marcel Griaule and Germaine Dieterlen. Most of Griaule and Dieterlen's work has been translated into English in the two books, Conversations with Ogotemmeli and The Pale Fox. The Dogon have been the center of anthropological debate, for they have knowledge of the Sirius Star system that Western Scientist was able to confirm only by using high powered telescopes.

The Dogon say that the first eight Ancestors - the Nommo, amphibious beings who were like a cross between dolphins and humans - traveled from Sirius to Earth in a pyramidal-shaped craft called the Kora-Na. Beyond carrying the Unum (progenitors) of Hue-manity, the Kora-Na also contained the seeds of eight 'celestial grains' - millet, black rice, chickpea, teff, sorghum, wheat/kamut, brown rice, maize, and gungun /pidgeon pea. The Dogon say that the Kora-Na contained all of the materials, information and science hue-manity would need for making Earth's environment compatible and conducive for human existence.

The Lemuria, Atlantis & Egyptian Connection