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Monday 30 December 2019

Fake Assets vs Real Assets

IAN TAI                                [DECEMBER 18, 2019]
I was 18 when I was first introduced to the word: ‘Asset’. 
A college mate handed me a copy of ‘Rich Dad Poor Dad’ and little did I know, it was to be the beginning of my journey as a student of accounting, finance, and investing without an end in sight. After a few sequels of Rich Dad’s books, I had made a switch from being a Science stream student to study accounting. 
It was then I realised there is a difference between how accounting schools and Rich Dad define the word ‘Asset’ and knowing this is often a distinction of one’s financial destiny in the future. In other words, if you want to be financially rich, it behoves you to understand the definition of an asset so that you can invest in real assets and avoid an investment made to acquire fake assets. 

Two Definitions of an Asset:  

Here is how accounting schools define what an asset is: 
An asset is a resource that a person owns or controls which has economic value. 
Here is how Rich Dad define what an asset is: 
An asset puts money into your pocket. 
Accounting schools define an asset based on ownership or control. Meanwhile, Rich Dad’s definition of what an asset is is based on the direction of cash flow. 
Personally, I use both definitions above in my finances. But, if you really wish to invest like the rich to attain financial freedom, I reckon the definition offered by Rich Dad over the other for Rich Dad’s definition of an asset enables us to make a distinction between a real investment asset from a fake one. For instance, 

Is Your Car an Asset? 

Based on the definition given by accounting schools, your car is an asset for it is an item which has economic value. Thus, if you purchase a Myvi for RM 50,000 where you place RM 5,000 in down payment and fund the remaining purchase with a RM 45,000 car loan, your financial statement would look like: 
Meanwhile, under Rich Dad’s, your car is only classified to be an asset if it earns additional income which exceeds its expenses on a regular basis. Typically, your car would be deemed as a liability or a ‘Fake Asset’, unless you are able to make profits regularly from the usage of your car. 

Are Unit Trust Funds ‘Real Assets’? 

Once again, it depends on the direction of cash flow from your unit trust funds. 
Are you receiving regular income distributions from your unit trust funds? Well, if your answer is ‘Yes’, then, the next question is: ‘Does your amount of income received to exceed your annual management and trustee fees?’ Thus, the bottom line is this: ‘If you are, from your unit trust investments:

–  Earning more income distribution than annual fees paid, it is a Real Asset. 
–  Paying more Annual Fees than income received, it is a Fake Asset or Liability.
But, what about capital gains? What if my unit trust investments go up in prices in the future despite me paying more fees than income earned along the way? 
Is it still a Fake Asset? a Liability?  
Here is my sincere answer: Yes, it is still classified as a ‘fake asset’ until the time you sell it off for a profit, which is what most people hope to do in the future. 
Let me give you an example. 
For instance, unit trust funds are often promoted as retirement schemes where people are suggested to ‘invest’ for the long-term, could be 10, 20, or 30+ years periodically, either monthly, quarterly, semi-annually or annually via the virtues of dollar-cost averaging into their preferred unit trust funds until the time when they decide to retire. In that 10, 20, or 30+ years, as you contribute to your unit trust funds, the financial statements for the unit trust funds would look like: 
From the two statements above: Unit Trust Investors & Unit Trust Corporation, I believe we all can learn the difference between how ‘the rich’ invest differently from the others. They are as follows: 
1. Cash Flows

Unit trust corporations are cash flow investors. They know what real assets are: Unit Trust Investors and they hope that their unit trust investors would remain faithful in contributing their capital into their funds for they would be receiving recurring income via fees for many years to come. 
2. Market Risk 
Unit trust corporations are low-risk investors for their income are recurring and will flow into their bank accounts in all types of market conditions, good or bad in the future. In good market conditions, they collect higher fees as the value of your unit trust funds increase. In bad market conditions, they collect lower fees as the value of your unit trust funds decrease. 
In a nutshell, unit trust investors invest 100% of the money into their preferred unit trust funds, takes 100% of the investment risks, and will only find out if the funds invested turned out to be a Real Asset or a Fake Asset in some 10, 20 or 30+ years (capital gain) down the road. 
Meanwhile, unit trust corporations will be guaranteed a steady flow of income (cash flow) through annual fees for as long as you have capital in your unit trust funds. They are not obligated to compensate you if you lose money in a market downturn (risk protected). 
Are Your Stocks ‘Real Assets’? 
Let’s keep it local. 
There are 900+ public listed companies listed on Bursa Malaysia. 
How do you tell which of these stocks are ‘Real Assets’ and which are the ‘Fake’ ones? 
Again, it all boils down to cash flow from your stock investments. Do you collect increasing dividends regularly from your stock portfolio? If you are, then, I’ll say that your stock portfolio consists of ‘Real Assets’ for they produce cash flow on a regular basis. 
But again, what if I’m investing for capital gains? 
Often, when people say that they are investing in ‘capital gains’, they could be saying the following:  
1. They Intend to Earn Capital Gains by investing in Cash Flow Companies. 
In essence, they are cash flow-oriented and would invest in stocks that produce both profits and cash flows consistently to its shareholders. Why? Stocks which have cash flow can choose to reinvest into expanding their businesses, making investments to buy up competitors, form joint ventures, acquire assets such as properties, hotels, plantation estates … etc to make additional earnings or cash flows in the future. Hence, the prices of these stocks would be revalued higher as they have increased their income by having more income-producing assets. 
Stocks with rising cash flow (Real Assets) tend to bring long-term capital gains. 
2. They are Stock Bettors, Gamblers, and Speculators. 
Some may identify themselves as ‘stock traders who invest for growth’. This is a classic example of an identity crisis. They are confused as they do not know the differences between a stock investor and a stock trader. In most cases, they are just people who are trying their luck in stocks. How do I tell them apart from an investor or a stock trader? Simple. You just ask them for their game plan. If they buy stocks without a game plan, there you go: we have a stock speculator. 
In short, how do I identify a stock that is a ‘Real Asset’ from many others which are ‘Fake Assets’? The answer lies in its Cash Flow, which is why value investors, including myself, study financial statements before investing in any stocks.  

What about Your Properties? 

Is your house an asset? 
By now, you should have an idea on determining if your house is a Real Asset or a Fake Asset. If you are collecting monthly rental income, where it is more than all of your property-related expenses such as interest portion of your mortgage, maintenance fees, quit rent, assessment, repairs … etc, the property you own is a Real Asset. But, if you stay in your own house, it is a Fake Asset or a liability. 
In a way, it is Cash Flow that determines the value of a property.  
For instance, some opine that real estate is a good investment because it would double every 10 years once. Thus, these people would buy properties priced at, let’s say RM 500,000, hoping that they can be sold at RM 1 million after holding onto them for 10 years. Sounds like a plan, doesn’t it? 
Well, let’s fast forward to the Year 2030 and you intend to sell off your property for RM 1 million, here’s a question: ‘Can you find buyers whose earnings are in the six-figures annually and have RM 200,000 in cash-in-hand to buy over your million-dollar property?’ Thus, if you could not find interested buyers who have the ‘cash flow’ to buy over your property, how then is it possible for you to be earning yourself capital gains from your property? 

Conclusion: Cash Flow is the Name of the Game. 

All in all, reading Rich Dad’s has shaped how I’m managing my finances and I’ve found it to be effective, especially in investing, be it stocks or real estate. This is influenced by the author’s emphasis on cash flow as a basis to determine if the investment is a ‘Real Asset’ or a ‘Fake Asset’. 
So, do I become a better investor who invests in Real Assets and not Fake ones? 

Ian Tai is the founder of DividenVault.com, a platform that empowers retail investors to build wealth through ownership of fundamentally solid stocks that pay ever-growing dividends year after year.

Thursday 19 December 2019

What is normal in your country but weird in the rest of the world?

By Saif Aljneibi, Emirati living in the United Arab Emirates (UAE) Updated May 30 2019 United Arab Emirates (UAE)


 1.Men nose kiss as a greeting

This greeting is popular in UAE and generally in the southeastern part of the Arabian Peninsula. It's not popular in many parts of Saudi Arabia and some find it very weird.

Here is a hilarious Saudi First Kiss Parody (Buzzfeed): This First Kiss Parody From Saudi Arabia Shows Men Touching Noses For The First Time. The number of kisses ranges from one to three kisses.


2. We are a minority in our own country. 

It is apparently rare to see the locals, so sometimes I get stopped by tourists to take a photo with them. That said, more than 80% of the population are expats and we are ok with it.


3. “Dubai”: Many people around the world think the country is called “Dubai.” 

Hold on a sec, this is like calling China “Shanghai” while completely neglecting Beijing. The country’s name is the United Arab Emirates (UAE) and is made of 7 Emirates (States). Its capital is Abu Dhabi. Its nationals are called “Emirati.” And Dubai is the financial/tourism city in the UAE.


4. Camels are a big thing here. 

Expensive… The most expensive camel was sold for 10 M Dirhams ($2.72 M) in 2008 and their prices are increasing. Camel racing is huge too with huge prizes reaching a total of 100 M Dirhams ($27.2 M) in 2018. Camel owners follow their camels in a race with their cars. 5. Traditional dances include using guns, swords, and canes 6. Some people pay millions to have car plate numbers with a lower digit. I don’t agree with this, but it is surely a weird thing that is normal here. The plate number could be more expensive than the car itself. 7. Dubai Police drive a Bugatti, Aston Martin One-77, Ferraris, Lambos, Bentleys. Criminals can’t speed away. 8. Speaking of Police, the UAE ranks the second safest country in the world, according to the World Economic Forum. Walking out in the night is completely safe. Some people leave their cars on when going for quick groceries shopping. 9. We have Gold ATM machines 10. At the time of writing this answer, it is Ramadan and people living approximately at or above the 80th floor of their high rise building (e.g. Burj Khalifa is 161 floors) have to wait 2 additional minutes to break their fast because at their elevation they see the sun longer than those on the ground. We joke about it and say to whoever can't wait 2 more minutes to break their fast on the ground and then go back up to continue eating. 11. In our region, we eat camels. The following is a camel burger (sprinkled with gold because why not?!): 12. Our formal wear is the Kandora (generally called Thawb in the Arab world). Amusingly, it is worn for any occasion. A conference keynote speech, business meetings, weddings, funerals, visiting friends or going to the supermarket. Like Steve Jobs, we don't waste mental energy on deciding what to wear in the morning. We are so used to wearing it some even wear it as pyjamas. We even played football with it when we were kids. 13. But never go to a night club/pub wearing a Kandora, you will not be allowed to go in. Since these places are frowned upon (generally for Islamic reasons), wearing the Kandora there is like insulting Emirati traditions and ruining the public image of being Emirati. 14. Biggest everything. The tallest building in the world. Biggest mall in the world… fountain, garden, indoor theme park, a man-made island, frame building, etc. 15. In the capital Abu Dhabi, Range Rovers are incredibly popular. 16. We have six royal families (clans) ruling the UAE (edit#1: yes six families and 7 emirates) 17. If the Sheikh has it, the whole country rushes to buy it. It is one of the most powerful marketing methods. The popular example is the Mercedes G63 AMG and how it became so popular in UAE and the Arab Gulf region after Sheikh Mohammed bin Rashed (PM of UAE and Ruler of Dubai) had started driving one. 18. The Spanish Latte Obsession (?!): It is said that the recipe originates from Spain. We love Spain + the coffee tastes great = a lot of sales. If you are in the UAE, I recommend you try it out at /Slash because it is so good there. Apparently, it is not popular in Spain (comment if you know about it). 19. We have snow (in a desert climate): And if it is the summer, no problem! We go to Ski Dubai, an indoor ski resort which is basically a gigantic freezer that you ski in: 20. We have a theme for each year. This year is called the “Year of Tolerance” where many initiatives are made focusing on increasing tolerance. For example, Pope Francis of the Catholic Church made an official visit to the UAE The prior year was called the “Year of Zayed” instilling the values of the UAE founding father. And the year before was “Year of Giving.” 21. We have young ministers. In fact, we have a Minister for Youth who was appointed when she was 22 years old (youngest minister in the world). A Minister for Artificial Intelligence appointed when he was 27 years old. A Minister for Advanced Sciences appointed when she turned 30. Makes me question “What am I doing with my life?” Answering Quora questions for lovely Quorans :) 300.7k views · View Upvoters · View Sharers https://www.quora.com/What-is-normal-in-your-country-but-weird-in-the-rest-of-the-world/answer/Saif-Aljneibi-1

Tuesday 17 December 2019

Is life worth living?

By Lukas Schwekendiek, Life Coach, Speaker, Writer. Published on TIME, INC & Huffington Post. I’ve asked myself that question over and over again and, for me, I came to the following conclusion: Does it really matter? I mean, whether or not life is worth living, we are still alive right now, aren’t we? And who knows what happens after that… So. Even if life wasn’t worth living, then I believe it is our duty to make it worth living! I mean, what’s the other option? There is no problem if you feel life is worth living, but there is when you feel it isn’t worth living, but what will you do instead? Kill yourself and hope for the best? Trust your beliefs to the point that you would risk it all on one card? Or would you try to live, try to make life worth living any way you know how? You can always die later, always find out if it actually was worth it or not when your life will end, but at that point, if you were wrong you’re done. All things considered, that risk is way too great for me to go for. The risk is that either I end my life and hope for the best, I live my life the best way I know how and try to squeeze every ounce of worth out of it, or I just do nothing and wait for death. Option 3 is by far the worst, but option 1 is just a quicker way to get to the same result, whereas option 1 has the potential to be freaking amazing, to be something no one has ever experienced before and to be filled with all kinds of things. Life may not be worth living right from the start. But besides waiting for death or getting to it quicker, all you can do is make the best of it right now. You have the same options, what will you choose? 30k views · View Upvoters · View Sharers · Answer requested by Jennifer Gurney Frank Diamond Koo Seth Sommers Jun 5, 2016 Your answer really helped me. No poeticism, no mild chastisement, no hollow attempt at evangelizing the joys of life, just a reminder that life is an evolving what-if scenario while death is just the end of that. Lukas Schwekendiek, Original Author · Jun 5, 2016 I think the quote “Life is what you make it” fits best. If you chose to be tired, upset and have a boring life, by all means, go for it, if that is what you really want out of it, but I am sure as hell not going to do that. I will make my life worth living :) That’s just my take on it :) David Morley I have had my moment especially when I came to the point I could no longer work, to some that sound like a dream but for me, it was a nightmare, I loved what I did and it also made me feel young, kept my brain working and I had living wage of £2000 a month more if I sold more images. I now live on less than £400 a month, people who I thought were friends stop calling, stop visiting. I sat alone with day time tv, worrying about how I would pay bills, treat my grandchildren. I gathered together a selection of painkillers, I even researched how painful it would be to die. Then something happened in the strangest way I got a rude letter which came through my door from my credit card company who has been told that I had no money to pay them and this letter demanded money if not they will employ a collection agency to visit me. I was so angry that I thought ‘fuck them if they want a fight I will fight them. I made an offer that I could afford and they said they want more, I suddenly found a focus for the anger I had for not being able to walk and directed it now to the collections agency. I answered their phone calls and repeated my offer, I printed and posted replies to their letter. I offered the same amount I wrote and they called. I fought. After 9 months they accepted my offer. Because of that I got rid of all my anger and frustration and found my zest for life.

Tuesday 3 December 2019

Is the story of Jesus based on the Egyptian God Horus?

By Spencer Alexander McDaniel (who has studied both the Bible and ancient history for years) 

https://www.quora.com/profile/Spencer-Alexander-McDaniel). Updated Nov 26, 2018.

 Ah yes, that old meme about Jesus being a copy of Horus.

 Every year, around this time, you start seeing memes claiming that Jesus is “a copy of” some pre-Christian deity.

One of the most popular deities for people to claim Jesus is “a copy of” is Horus, a god who was worshipped in ancient Egypt from prehistoric times until after the rise of Christianity in around the fourth century AD.

Horus was believed to have been the son of the god Osiris and the goddess Isis. He was closely associated with the pharaoh and he is usually depicted in ancient Egyptian art with the head of a falcon.

The truth is all the memes claiming that Jesus is “a copy of” such-and-such deity is wrong. Historians agree that Jesus of Nazareth was a historical figure who lived in Galilee in the early first century AD and who was crucified in Jerusalem in either 30 or 33 AD under the orders of the Roman governor of Judaea, Pontius Pilatus.

The stories about Jesus’s life recorded in the gospels are certainly heavily embellished with legend and fiction, but, ultimately, there was a real man who stands behind the mythological tradition.

While the stories about Jesus recorded in the gospels have probably been influenced to varying extents by stories of various pagan deities, it is entirely wrong for anyone to claim that the whole story of Jesus is copied directly from any single pagan deity.

Of all the deities Jesus is often claimed to have been copied off of, Horus is one of the most commonly mentioned, but also one of the most absurd.

I actually included an extremely brief debunking of the claim that Jesus is based on Horus in this article I published on my website in March 2018, but I received some flak over the fact that I did not quote any specific claims from proponents of the Jesus-Horus connection and respond to them.

I suppose, then, it is about time that I wrote a more complete response to the alleged connections between Jesus and Horus:


 A review of the alleged Jesus-Horus connection

There are many different iterations of the Jesus-as-Horus story, but, for my purposes here, I will use the version of it given by Bill Maher in his 2008 anti-religion comedy film Religulous because it is one of the most prominent examples.

In one scene, the following words appear on the screen over a montage of clips from Bible films while the song “Walk Like an Egyptian” by the Bangles plays: “Written in 1280 BC, the Book of the Dead describes a God, Horus.

Horus is the son of the god Osiris, born to a virgin mother. He was baptized in a river by Anup the Baptizer who was later beheaded. Like Jesus, Horus was tempted while alone in the desert, healed the sick, the blind, cast out demons, and walked on water.

He raised Asar from the dead. ‘Asar’ translates to ‘Lazarus.’ Oh, yeah, he also had twelve disciples. Yes, Horus was crucified first, and after three days, two women announced Horus, the saviour of humanity, had been resurrected.”

 Virtually every word of this is dead wrong.

Horus was a real Egyptian deity, the Book of the Dead is a real thing that exists, and Horus is mentioned in the Book of the Dead, but pretty much everything else here is wrong.

Misunderstanding The Book of the Dead is a real thing, but Bill Maher clearly does not have even the faintest clue what it really is.

First of all, there was no single version of the Book of the Dead that existed at any point in ancient times. Starting around the time of the beginning of the New Kingdom (c.1550 – c.1069 BC), wealthy Egyptians began to be buried with various funerary texts, generally written on papyrus, which contained various spells intended to assist the deceased individual in the afterlife.

These texts were often also lavishly illustrated with colourful vignettes. They were usually personalised, with the deceased person’s name being written in for many of the spells. The spells and illustrations vary drastically between texts; some texts have completely different spells from other texts.

In modern times, scholars have studied these funerary texts, identified the specific spells that are used in them, assigned numbers to those spells, and compiled them into a book known as the Book of the Dead.

There was no single, canonical Book of the Dead that existed in ancient times, though. The Book of the Dead as we know it today, then, is a modern collection of various spells from ancient Egyptian funerary texts.

These spells do not all date to the same time period; some of them go back to the time of the Old Kingdom (lasted c.2600 BC – c.2100 BC) while others of them were only composed in the Third Intermediate Period (lasted c.1069 – c.664 BC).

I have no idea where Bill Maher got the impression that the Book of the Dead was a single book written in exactly 1280 BC. Secondly, the Book of the Dead contains absolutely none of the things Bill Maher claims it contains.

Bill Maher leaves his audience with the impression that the Book of the Dead was a narrative text describing the ministry of the god Horus.

It is no such thing.

In fact, it contains essentially no narrative whatsoever; it is instead a collection of spells that were intended to aid the deceased in the afterlife. The ancient Egyptians had spells for just about every possible situation that could conceivably arise in the afterlife.

Many of the spells in the Book of the Dead are just plain bizarre. For instance, the spell numbered 53 is titled “For Not Eating Faeces or Drinking Urine in the Realm of the Dead.”

Here is an actual translation of it by Egyptologist Raymond O. Faulkner: “I am the horned bull who rules the sky, Lord of Celestial Appearings, the Great Illuminator who came forth from the heat, who harnesses the years; the Double Lion is glad, and the movement of the sunshine has been granted to me. I detest what is detestable, I will not eat faeces, I will not drink urine, I will not walk head downward.”

“I am the owner of bread in Heliopolis, the bread of mine is in the sky with Re, the bread of mine is on earth with Geb, and it is the Night-bark and the Day-bark which will bring it to me from the house of the Great God who is in Heliopolis. I am loosed from my windings, I make ready the ferry-boat of the sky, I eat of what they eat, I live on what they live on, I have eaten bread in every pleasant room.”

In other words, Bill Maher would have honestly been closer to the truth if he had claimed the Book of the Dead was a magical instruction manual about how to avoid eating your own poop.

The virgin birth of Horus? Many people, including Bill Maher, have claimed that the ancient Egyptians believed that Horus was born of a virgin. This is completely false. We have no record of a myth in which Horus was born of a virgin and, in the version of the story of Horus’s birth that we do have, Horus’s mother Isis is most certainly not a virgin when she gives birth to him.

The myth of the birth of Horus is not told in the Book of the Dead, but versions of the story are recorded in other extant sources.

The most complete account of the story of Isis, Osiris, and Horus comes from the treatise On Isis and Osiris, which was written by the Greek historian and Middle Platonist philosopher Ploutarchos of Chaironeia (lived c.46 – c.120 AD), who lived at a time when Isis, Osiris, and Horus were still actively being worshipped.

Ploutarchos’s account is problematic in some ways because he was not an Egyptian himself, but rather a foreigner writing about Egyptian culture from the outside. Nonetheless, while some of the details in Ploutarchos’s version may not be entirely accurate, we do know that, overall, the story he tells is a real Egyptian story that, in various forms, goes all the way back to at least the New Kingdom.

According to Ploutarchos, Osiris was the king of the gods and Isis was his wife. Set (whom Ploutarchos calls “Typhaon”) was Osiris’s brother and he was jealous of him.

One day, at a banquet, Set brought forth a magnificent coffin and declared that he would give it as a gift to whoever could fit inside. Unbeknownst to the other guests, Set had secretly taken Osiris’s exact body measurements, so he knew that only Osiris would fit in the coffin.

When Osiris laid in the coffin, Set slammed the lid shut and, together with his accomplices, sealed the coffin and hurled it into the Nile. Osiris died in the coffin and the coffin washed ashore at Byblos, where a tree grew around it.

The king of Byblos had the tree chopped down and made into a column for his palace, with Osiris’s coffin with his body still inside.

Eventually, Isis, who had been searching for Osiris’s body this whole time, found out where the coffin was and removed the coffin from the column.

 Set, however, stole Osiris’s body again, chopped it up into tiny pieces, and scattered those pieces all over Egypt. Isis went out and collected all the pieces of her husband’s dismembered body and joined them back together.

She found all the pieces except one: Osiris’s penis, which had been thrown into the Nile and devoured by pikes. Isis, therefore, fashioned a magical fake for Osiris (presumably out of wood).

Then she had sex with Osiris’s corpse and conceived a son: Harpokrates, the infant Horus.

Oh, I’m sorry. You think that bit about the magical fake penis is a little too weird? Well, take it from Ploutarchos himself.

Here is what he says, as translated by Frank Cole Babbitt: “Of the parts of Osiris’s body the only one which Isis did not find was the male member, for the reason that this had been at once tossed into the river, and the lepidote, the sea-bream, and the pike had fed upon it; and it is from these very fishes the Egyptians are most scrupulous in abstaining.

But Isis made a replica of the member to take its place, and consecrated the phallus, in honour of which the Egyptians even at the present day celebrate a festival.”

Yup. So Isis making a magical fake penis so she can commit necrophilia with her dead husband is totally a thing -- at least as far as Ploutarchos’s account is concerned.

Plutarch's account is the most complete and it is admittedly rather late, but we have plenty of Egyptian depictions of various part of this myth going back to much earlier times. We know the Egyptians did not consider Isis a virgin at the time when she gave birth to Horus because we literally have depictions of Isis in the act of copulating with Osiris to conceive Horus.

There is a relief carving from a temple at Abydos that was constructed by Pharaoh Seti I (ruled c. 1290 – c.1279 BC) that depicts Isis in the form of a bird having sexual intercourse with the corpse of Osiris, which is shown resting atop a dais.

To show that the child is conceived is Horus, an adult, falcon-headed Horus is shown beside the dais watching over his conception and, to show that Isis is the one in the form of a bird having sex with Osiris, Isis is depicted in human form on the right, also watching over the conception.

The hieroglyphic text above the carving also explains it, leaving absolutely no ambiguity. There is absolutely no way anyone could reasonably construe this as a story of a “virgin birth.”

Having sex in the form of a bird with your mummified husband who has a magic wooden penis is still sex.

Baptism of Horus? Maher claims that Horus was baptised by “Anup the Baptizer who was later beheaded.” This is codswallop. There is no figure by the name of “Anup the Baptizer” in ancient Egyptian mythology; the name Anup is a transliteration of the Coptic spelling of the name of the Egyptian god Anubis (ⲁⲛⲟⲩⲡ in Coptic), who was not associated with “baptism” in any way and who was not said to have “baptised” Horus in any sense.

Furthermore, there is no myth in which Anubis is beheaded. In historical reality, Anubis was a deity closely associated with death and embalming. He is often depicted in works of ancient Egyptian funerary art with the head of a jackal. He was believed to act as a psychopomp, who would lead the deceased into the afterlife.

Surprisingly, even though he was one of the most important deities in ancient Egyptian religion and he is one of the most commonly depicted deities in works of ancient Egyptian art, Anubis rarely appears in Egyptian mythology.

During the Hellenistic and Roman Eras, the Greeks and Romans syncretised Anubis with their gods Hermes and Mercurius, who also acted as psychopomps of the dead. (For more information about syncretism in the ancient world, I suggest reading this article I wrote in September 2019.)

While the ancient Egyptians did have a variety of purification rituals, some of which did involve ritual bathing, they did not practice the ritual of baptism in any form that Christians would recognize.

The Christian ritual of baptism most likely arose from Jewish bathing purification rituals described in the Torah, which were supposed to be performed for purification from sin. Baptism in modern Christianity, however, is seen as far more than just a ritual bath; it is seen as an act of spiritual transformation and initiation into the Christian faith.

No ritual of this kind is known to have existed in ancient Egypt. Healed the sick, the blind and cast out demons? It is true that the ancient Egyptians sometimes invoked Horus to heal the sick and drive away demons, but this is not really a meaningful parallel between Jesus and Horus since nearly all Egyptian deities were called upon at various points for healing and protection from demons.

Healing people and protecting them from demons were two of the most common things that deities in the ancient world were invoked for. In fact, the vast majority of all deities that have ever been worshipped by any culture have been invoked at some point for the healing of some kind.

Furthermore, the kind of healing the Egyptians believed Horus could bring was not the same kind of healing Jesus is described as doing in the canonical gospels.

In the canonical gospels, Jesus is described as travelling around from town to town, laying his hands on people and performing other rituals to heal them. The role of Jesus in the canonical gospels is one of an itinerant preacher and faith healer.

These sorts of people were common in Galilee during the first century AD.

Horus, on the other hand, was never envisioned as an itinerant preacher healing people by laying his hands on them. Instead, he was prayed to as a deity and was believed to heal people from afar in the same way that deities are usually envisioned as healing people.

Walked on water? There is no surviving ancient Egyptian account of Horus walking on water. The claim about him walking on water is just made up.

Raised “Asar” from the dead, whose name means “Lazarus”? The name Asar a badly Anglicized form of war, the ancient Egyptian form of the name of the god Osiris, the father of Horus, husband of the goddess Isis, and ruler of the afterlife.

As you can tell, the actual Egyptian name sounds a lot less like “Lazarus” than the bad transliteration given by Maher in Religulous. The exact etymology of the name wsjr is unclear, but the second element of the name is generally thought to be derived from the Egyptian verb jrj, meaning “to do” or “to make.”

Meanwhile, the name Lazarus is the Latinised form of the name Λάζαρος (Lā́zāros), which is used in the Greek New Testament as the Greek form of the Hebrew name אלעזר (ʾelʿāzār), meaning “God has helped.”

The first element of the name, אֵל (ʾel), is the most basic word for “God” in Biblical Hebrew. The same element occurs in many other personal names throughout the Hebrew Bible and is derived from the same Proto-Semitic root as the Arabic word ٱلل‍َّٰه (Allāh), which is still used as the word for “God” by Arabic-speaking Muslims, Christians, and Jews throughout the Middle East.

The ending of the name, עָזַר (‘azár), is the third-person masculine singular past-tense form of a pa’ál verbal construction meaning “He has helped.” It is a normal Hebrew verb construction and it has no connection to Osiris.

The name Lazarus has absolutely no etymological connection whatsoever to the Egyptian name wsjr. The two names do not even come from the same language. Nonetheless, people continue to intentionally rely on this faulty transliteration of the Egyptian name wsjr to make it sound more like Lazarus.

Furthermore, there is no story from Egyptian mythology in which Horus brings Osiris back from the dead. In some stories, Horus’s mother Isis does temporarily resuscitate Osiris long enough for them to have sex, thereby allowing him to impregnate her with Horus.

In all versions of the story, though, Osiris cannot remain revived and ultimately goes to the afterlife to rule as king of the dead.

Horus’s twelve disciples? There are no stories in Egyptian mythology about Horus having called disciples, let alone specifically twelve of them. The Egyptians did not regard Horus as having led any kind of earthly ministry that might be comparable to the ministry of Jesus in any way.

Meanwhile, although Horus is sometimes portrayed in scenes from Egyptian art alongside other deities or alongside various attendants, the number of deities or attendants he is shown with never amounts to exactly twelve.

The reason why Jesus had twelve apostles was that each of the twelve apostles was supposed to rule over one of the twelve tribes of Israel in the coming Kingdom of God.

The Gospel of Matthew 19:28 reads as follows, as translated in the New Revised Standard Version (NRSV): “Jesus said to them, ‘Truly I tell you, at the renewal of all things, when the Son of Man is seated on the throne of his glory, you who have followed me will also sit on twelve thrones, judging the twelve tribes of Israel.’”

In other words, the reason why Jesus has twelve apostles in the canonical gospels is not that Horus had twelve apostles and Jesus was copied off Horus, but rather because each of the twelve apostles was supposed to rule over one of the twelve tribes of Israel in the coming Kingdom of God.

The tradition of the twelve apostles is firmly rooted in Jewish tradition, not Egyptian tradition.

Horus crucified? Bill Maher claims that Horus was crucified, but, in fact, there is no story anywhere in Egyptian mythology in which Horus is actually crucified.

Furthermore, although Bill Maher claims that there was a myth of Horus being crucified that was written down in around 1280 BC, the ancient Egyptians during the New Kingdom actually did not practice crucifixion and they probably did not even know what crucifixion was.

In fact, we have no reliable records of crucifixion having been practised anywhere in the world at all at that time. Crucifixion may have been invented by the Neo-Assyrians, whose empire lasted c.911 – c.609 BC, but the evidence is a bit ambiguous.

Crucifixion is first known to have been used systematically as a form of capital punishment by the Achaemenid Persians, whose empire arose around 550 BC or thereabouts, over half a millennium after the time when Bill Maher claims the Egyptians were telling stories of Horus being crucified.

The Achaemenids, however, seem to have mainly used crucifixion as a punishment for wartime enemies and rebels. The classical Greeks, who knew about crucifixion from the Persians, almost never used crucifixion, which they regarded as inhumane and brutal.

Crucifixion was later used as a method of execution by Alexander the Great, by various Hellenistic kings, and by the Carthaginians. Like the Achaemenids before them, however, they mainly only used it as a method of execution for their enemies during times of war or people who led rebellions against their rule.

Eventually, crucifixion became a signature execution method of the Romans. The Romans were the first ones to use crucifixion extensively against civilian criminals. Even among the Romans, though, crucifixion was reserved for slaves, foreigners, and the worst of criminals.

Roman citizens were not allowed to be crucified. In fact, while there is at least one problematic ancient post-Christian account of a non-Christian deity being crucified (in Loukianos of Samosata’s satirical dialogue Prometheus, a work making fun of traditional stories about the gods, dating to the late second century AD, long after the gospels were written), we actually have absolutely zero pre-Christian accounts of crucified deities.

The idea of a crucified deity, therefore, seems to have originated with Christianity.

A resurrection after three days, announced by women? There is no story from Egyptian mythology in which Horus undergoes a genuine “resurrection.” One piece of evidence that is often cited to support the idea of a resurrected Horus is the Metternich Stele, also known as the Cippus of Horus, a stele carved from black sandstone dating to sometime roughly between c.360 and c.343 BC, currently held in the Metropolitan Museum of Art in New York City.

The Metternich Stele bears an inscribed text in Egyptian hieroglyphics describing a magical cure to poisonous bites and wounds. As evidence of the cure’s effectiveness, the stele describes an elaborate backstory. It claims that, when Isis and Horus were living in the marshes, Horus was stung by a deadly scorpion and became deathly ill. Isis cried out for help and the gods sent the sun-boat to help her.

Thoth, the Egyptian god of knowledge and writing, got off the sun-boat to help Isis. He healed Horus using the spells described on the stele. The stele promises that, if anyone uses the spells on the stele, they will be healed, just as Horus was. The stele says nothing about Horus actually dying because Thoth heals him before he actually dies.

The whole narrative, then, is not a resurrection story at all, but rather a story of a deity being healed by another deity. In any case, the Metternich Stele contains nothing about Horus being crucified, or him returning from the dead three days later.

For more information, here is a link to a detailed summary of the inscription on the stele from the Metropolitan Museum of Art itself. “Horus, the saviour of humanity”

Ironically, one of the very, very few things Bill Maher got right is that Horus was indeed known as “Horus the Savior.” In fact, he is proclaimed “Horus the Savior” in the inscription on the Metternich Stele. Bill Maher and his fellow supporters of the Jesus-as-Horus argument, however, misunderstand what this title means in an Egyptian context.

Christians regard Jesus as the “saviour of humanity” because they believe that, through his suffering and death on the cross, Jesus has saved all human beings who are willing to believe his message from being punished with eternal damnation for their sins.

We have no record whatsoever of anyone in ancient Egypt ever having believed that Horus had died to redeem people of their sins. Instead, the Egyptians saw Horus as a “saviour” in a much more literal sense; they believed that Horus rescued people from physical harm.

The dangers that Horus saved people from were things like diseases, famines, venomous snakes and scorpions, dangerous carnivores like lions and crocodiles, and so forth. Thus, the Egyptians really did regard Horus as a “saviour,” but not at all in the same sense that most Christians regard Jesus as a “saviour” today.

The root of all this Horus mania Jesus and Horus are so unlike in so many ways that it may seem baffling to many of my readers that anyone could compare them at all. I mean, if you are going to argue that Jesus was copied off a pagan deity, you would think you would at least pick a deity that bears some kind of vague resemblance to him  -- like, say, Asklepios, the ancient Greek god of healing and medicine.

There is no good reason to think that Jesus was “copied off” Asklepios, or at least not in the way that Mythicists think of when they use that sort of expression.

Nonetheless, Jesus and Asklepios have a whole lot more in common, frankly, than Jesus and Horus. 

Instead, though, Mythicists on the internet latch onto Horus. The reason why they do this is because of a highly eccentric nineteenth-century English spiritualist writer named Gerald Massey (lived 1828 - 1907).

Massey was an amateur who had no formal education or training in Egyptology. Furthermore, he lived well over a century ago at a time when even scholars with bona fide credentials knew a lot less about ancient Egypt than scholars do today.

In any case, Gerald Massey wrote three books about ancient Egypt: A Book of the Beginnings (published in 1881), The Natural Genesis (published in 1883), and Ancient Egypt: The Light of the World (published in 1907).

Throughout these writings, Massey basically argues that all the major religious traditions of the world, including Christianity, are corruptions of the original ancient Egyptian religion. He saw parallels between contemporary religions and ancient Egyptian religion everywhere, even when no real parallels actually existed.

The reason why Gerald Massey saw Horus as analogous to Jesus, then, was because he already viewed Christianity as a corruption of ancient Egyptian religion. On account of this, Massey felt the need to find a “Jesus figure” in ancient Egyptian religion.

Since Horus was one of the most important deities in ancient Egyptian religion and Jesus was the most important figure in Christianity, Massey evidently concluded that they were analogous and then sought out parallels to prove that they were analogous.

Nearly all the claims Bill Maher makes about Horus in Religulous, as well as nearly all the claims made about Horus in the 2007 conspiracy theory film Zeitgeist: The Movie and nearly all the claims about Horus you see in memes on the internet, can be traced directly back to Gerald Massey.

Gerald Massey, however, made even more bizarre and radical claims about the connections between Jesus and Horus than even Bill Maher was willing to make.

For instance, Gerald Massey at one point seems to suggest that King Herod mentioned in the gospels is a mythical figure based on the mythical hydra serpent Herrut from Egyptian mythology.

In reality, the existence of King Herod the Great is extremely well-established and his reign is documented extensively in non-Christian sources. We even have the remains of King Herod’s tomb.

Claiming that King Herod did not exist is about as reasonable as claiming that Julius Caesar did not exist.

All in all, Gerald Massey actually makes a very strange hero for New Atheist polemicists. The guy was a kook whose ideas have been completely dismissed by modern Egyptologists.

It is also ironic to see atheists championing Massey’s ideas since Massey himself was an avowed spiritualist who did not believe in Darwinian evolution because he believed it failed to account for humanity’s “spiritual evolution” (whatever that means). 

A real connection between Jesus and Horus As I hope I have amply shown, nearly all the alleged parallels between Jesus and Horus that you hear people repeating on the internet and in popular films are absolute bunkum.

Nonetheless, it is not entirely true to assert that there are no parallels between Jesus and Horus whatsoever. There is, in fact, at least one parallel that might be the result of genuine influence.

It is, however, an extremely superficial parallel that does not really have anything to do with the Biblical account, but rather has to do with later iconography.

As I discuss in this article I wrote in December 2017, when Christianity first became the dominant religion of the Roman Empire in the fourth century AD, early Christians had no developed iconography, so, in many cases, they drew on older, pagan iconography for their depictions of Christian figures.

There are many surviving ancient Egyptian depictions of the infant Horus being nursed by his mother Isis while sitting on her lap. In later times, depictions of the infant Jesus being nursed by his mother Mary while sitting on her lap became popular.

Incidentally, it so happens that the earliest known representation of the infant Jesus resting on his mother Mary’s lap is an icon that probably dates to around the sixth century AD or thereabouts from Saint Catherine’s Monastery in the Sinai Peninsula of Egypt.

It is quite possible -- and, in my view, rather likely -- that Egyptian depictions of Isis nursing Horus may have influenced the development of similar depictions of Mary nursing Jesus. Obviously, this is an extremely superficial similarity that really only pertains to iconography and has very little religious significance to most Christians today.

Furthermore, there is a lot more that goes into Christian depictions of Jesus and Mary than just Egyptian iconography. These depictions were also heavily shaped by Christian attitudes and theology, as I discuss in great depth this article I wrote in October 2019, in which I explain why medieval paintings of the infant Jesus portray him looking like a miniature adult.

Conclusion:  The Book of the Dead is a collection of spells from Egyptian funerary texts, not a “Gospel of Horus.”

Horus wasn’t “born of a virgin.” Horus wasn’t “baptized by Anup the Baptizer.” Horus didn’t walk on water. Horus didn’t raise someone called “Asar” from the dead. Horus wasn’t crucified. Horus wasn’t resurrected from the dead.

Furthermore, all these false claims go back to a crazy amateur who died over a century ago, who was obsessed with spiritualism, who thought basically all religions were derived from ancient Egyptian religion, and whose ideas are not even taken seriously by Egyptologists today.

 If I remember and I have time, I will eventually get around to writing articles debunking the alleged parallels between Jesus and Mithras and Jesus and Dionysos, but I will save those for another time.


https://www.quora.com/q/christianschristianity?sort=top

What do most senior citizens agree on?

By Elle Hayes, Aged hippie, activist, master gardener, cannabis advocate. Answered Jun 19, 2019. Social Security alone will not support you in your golden years. Not if you want to eat and pay rent both... No one told me, as a ‘silent generation’ almost-a-boomer. I worked from age 16 to about age 50 not even considering it. After all, I’d invested in AT&T stock since 1965. Many times it was an expensive effort but I persisted in saving for retirement through automatic deductions for AT&T stock. Even after divestitures in the 1980s and splitting up of AT&T I invested in US West and then Qwest. Then we got a crook for a CEO. Joe Naccio told us we had to keep investing to keep our jobs and help the company through hard times. Meanwhile, he was selling his stock as fast as he could. It’s called insider trading. He got caught but he’s out and living in his mansion while thousands of retirees who actually believed him are poor. Lying, cheating bastard. He went to jail but my 3/4 of a million dollars in stock disappeared down the toilet. I ended up with USD60,000. So much for saving for retirement. Now I’m poor. Really poor. I pay 1/3 of my Social Security into monthly Medicare (no it’s not free), into a supplemental insurance policy that pays some of the uncovered expenses and will cover devastating illnesses, and into a membership for a “boutique” clinic that was the only local clinic accepting new patients that can deal with a couple of geriatric related issues I have. The few geriatric doctors in my area all have waiting lists. I was medically retired after a devastating auto accident when an 18-wheeler driver fell asleep at the wheel. I did not get a big payout. I wasn’t ready to retire and planned on working another 10+ years to save for retirement. That left 2/3 of my Social Security for rent, food, and other necessities like the balance of the medical co-pay which isn’t covered, specialist visit co-pay, glasses, hearing aids (no they aren’t covered) dental care (again, not covered) and the very occasional fun thing. And used books. I no longer have a car. I live with my youngest daughter's family but pay rent. I shop at Goodwill or Salvation Army. I sell things on eBay like handmade repurposed Navajo jewellery when I can (arthritis in my wrist and fingers). Which I learned from my husband's uncle. Hubby was a Warm Springs tribe member whose Auntie married a Navajo man. And still, after 60 years of being a productive member of society, live at the poverty level. Social Security alone will not allow you to live in anything more than basic comfort. If it weren’t for my adult children giving me free old tech and my son-in-law needing high-speed internet to work from home I’d be in a homeless shelter without any tech or, like when I was 60, sharing a house with college students. Never trust CEOs to be truthful. Social security alone will not support you in retirement. 14.7k views on December 4, 2019.