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    Mortgage Shopping Guide
    Shopping for a mortgage is not quite as easy or fun as shopping at a farmer’s market or the mall.There are lots of terms, lots of players in a real estate transaction, and new loans are being created all the time.Here are a few tips:Figure out what loan type you want (30 year fixed, option payment, etc.) Get quotes from different lenders on the same loan program Keep in mind that the quoted rates aren’t your actual rates until a lender locks in your loan See if accepting a voluntary pre-payment penalty will lower your rates, and if this is the right option for you See if you can do a full documentation loan, because this may provide you with a lower rateThe right loanThis is a judgment on your part. You may want a 30 year fixed loan and pay this loan down over time. These monthly payments may be a form of “forced saving” by building equity into your loan.Your goal may be to get a lower monthly payment, such as interest-only payments or a 40 year loan.You can consider how long you want the loan fixed. Keep in mind that the longer you fix a loan in general the higher the interest rate will be. Nowadays the difference is not much, so some people opt for the higher expense of a loan that is fixed for longer.Comparing quotesYou can get quotes for free from different sources – your friendly neighborhood bank, a mortgage broker, an online lender, etc. Some will ask you to compensate them for the cost of checking your credit, but this is usually a small fee.The key to comparing quotes is to make sure they are for the same loan type. Comparing a quote for a 30 year fixed loan with a 5 year interest-only loan is like comparing apples and oranges.Changing ratesThe rates you are quoted are based on current market rates. A quote from one lender on a Monday may be different than a quote they offer on a Tuesday. Comparing a quote from one lender with another quote from a lender you get several days later may not be helpful.Prepayment penaltyA prepayment pena
    see today are actually too small!

    According to the 3 mm standard, one of the world's tallest stalagmites, located in Armand Cave in France, would have taken only 12,700 years to reach its towering 38 m height. This contradicts the dating method ages. Therefore, the stalagmite grew faster than it should have and the dating method on this formation did not work (Silvestru 48). Even though dating methods and their subsequent growth rates have been proven wrong by young earth creationists, evolutionists still back up old claims that caves, and speleothems, are tens of thousands to millions of years old.

    Evolutionists actually attack creationists and claim caves cannot possibly form, much less their speleothems, in just four to six thousand years or so after the flood. They say acidic water cannot eat away hundreds of thousands of feet of dolomite or limestone in that “short” time because the water would loose its carbonic-acid. Therefore, evolutionists deduce tens of thousands if not millions of years are required for acidic water to reach present day cave depths and carve them out (Oard 279). Yes, this is a logical conclusion. In the time since the flood, carbonic-acid water is simply inadequate to eat away that much limestone and dolomite. But what if that acidic water had some help from volcanic actions? What if the flood provided a way for water to reach caves quickly? The result of those what ifs are speedily formed caves!

    Several thousand years ago, God destroyed the earth completely with a global flood. Genesis 7:11b describes, “…on that day all the springs of the great deep burst forth, and the floodgates of the heavens were opened.” Water rushed up from the earth’s crust; volcanoes spewed magma into the air and sea. The very geography of the entire earth changed. Limestone and dolomite were quickly deposited along with many other types of stone. The movement of land masses caused cracks to form in the limestone and dolomite (Silvestru 47). Water followed those fissures underground to where it carved the caves we see today. By following crevices formed during the flood, the water did not need to “dissolve” all that limestone. Volcanic actions also contributed to carving caves.

    Volcanoes released hot sulfur and other gases into the water causing them to mix. The water, called hydrothe

    UK Graduates Looking Short-Term At Their Long-Term Financial Responsibilities
    With almost two thirds of university entrants from England and Wales who applied for maintenance grants for this year being unsuccessful, and the average graduate owing ?13,501 when they leave, according to Barclays, combined with a survey by High Fliers Research showing that only 21% of students were confident of managing to enter a graduate-level job this year, it is not surprising that there is a feeling of gloom hanging over many UK university entrants.According to a survey of students from 30 institutions; 63% believed there are not enough graduate jobs for everyone leaving university this year, with a fifth stating that they felt that there were only limited jobs available.Jeremy Law, the head of student and graduate banking at Barclays said, "If this trend continues, students starting a three-year course this September could be graduating with debts of almost ?20,000…graduates will find themselves with debts for years to come which may affect their ability to buy homes and invest in pensions…prince or pauper, these levels of debt may act as a deterrent to some people considering going to university."There are sources of help advice available to prevent student’s finances snowballing out of control, with important financial institutions such as Moneynet and other online comparison web sites providing guides to help students with their money, and Barclays Bank recently encouraging students to;“Consolidate their borrowing and pay off the debts with the highest interest rates first by making use of the cheapest borrowing options, for example, interest free graduate overdrafts or graduate loans…where possible graduates should keep a tight reign on their finances to help set them up financially for the future."With increases in general levels of graduate debt, negativity surrounding job prospects, and the government concerned with meeting its 2010 target of getting 50% of the under-30s into university, you might expect trepidation over long-term debt to be entering into the psychology of both students and govern
    The tour guide led the small group deep into Round Spring Caverns. He pointed out the dazzling formations, sometimes called speleothems, and explained how they took ten thousand years to form one inch. Several minutes later, the guide showed the group a mosquito trapped within flowstone (Orr). Flowstone forms as water deposits calcite over any object, and looks much like a frozen waterfall. The two facts do not match up. Either the guide’s growth rates are false, or the mosquito is either nonexistent or just dirt.

    Through the eyes of old age believers, each speleothem represents long eons of time, slow natural processes, and rare accidents of nature. Through the eyes of young earth creationists, each speleothem represents a few thousand years, the fingerprint of God, and the shocking power of a global catastrophe. Evolutionists and creationists alike have tried to discover the age of speleothems. Today’s growth rates, out of place stalactites, and errors in isotopic dating methods, all point to quickly formed caves.

    Many formations around the world defy the old ages of evolution. At Knaresborough, England, a waterfall is fed by an underground stream high in calcite. Since 1630, people have suspended various objects under the water. Calcite became deposited on the keepsakes within three to twelve months, depending on the size and material of the item. Everything from teddy bears, ties, and hats, to even umbrellas dangle in the water. Today a hat from 1853 is almost entirely engulfed in flowstone. The stone grew over it so the hat is now nearly invisible. This waterfall deposits calcite much faster than evolution time estimates (White).

    Another example of fast growth rates occurs in Yellowstone National Park, Wyoming. Formations at the hot springs develop 23 mm per year (Meyers 8). This is faster than evolutionary estimates of .1 to 3 mm per year. The Kelly Caves on Kangaroo Island, Australia, grow about 7 mm every four years ("Focus:” 7). This may seem slow but is still faster than evolutionary time estimates. Also, caves observed in the tropics experience faster growth rates due to a warmer climate and increased rainfall. The evidence here is clear. These caves and many others around the world contain formations that just grow too fast, and evolutionists cannot explain them.

    Evolution also cannot explain speleothems hanging from monuments, staircases, bridges, mines, and other unnatural objects. George Rogers Clark Memorial in Vincennes, Indiana, contains several out of place formations. Rain water erodes minerals from this limestone monument and drips into the basement. The result of the water draining into the basement creates the same effect as water dripping into a cave.
    Stalactites form when water deposits calcite on a surface such as a ceiling, and builds up into a stone cone. The water dripping from this deposits more calcite on the floor causing an upside down stalactite, called a stalagmite, to form. When the two formations grow together, they create a column. Those three formations decorate the once bare basement, including five columns eleven feet tall! Surprisingly, construction of the monument began in 1929 and the memorial was dedicated in 1936 (“Speleotherms:").

    Stalactites also are found under bridges in Philadelphia and they sometimes reach lengths over 30 cm (1 ft.) long (Meyers 8). These bridges were built in the last one hundred years. The growth rate of one foot per one hundred years defies evolutionary growth rates. In addition, stalactites are growing from the cement steps between two halls at Temple University, Philadelphia, built in 1973 (Meyers 7). A mine in Queensland, Australia, was void of decoration fifty five years ago, but is now covered in dazzling stone icicles (“Speleotherms:”).
    Speleothems have also been known to form on walkways in caves ("Stone Waterfalls”), on rainwater tanks in Australia (Meyers 8), and on lab tubes used to collect drip water from leaky pipes (Wieland 15). Stalactites are even growing from the electrical wires in Jenolan Caves, Australia ("Focus:” 4)!

    The Mollie Kathleen Mine at Cripple Creek, Colorado, was once very productive until its gold petered out in the early 1960’s. The mine closed in 1961 and was sealed off. However, portions of the mine are now open to public tours. Gary Livesay toured the mine with his wife and gazed upon fabulous formations of many colors and sizes. Soda straws stretched to lengths of 60-90 cm (2-3 feet), and several columns grew 2.7 m (9 feet) tall and 10-12 cm (4-5 in.) in diameter. Stalagmites were even growing from an old chair! All of these formed in just forty years (Livesay 45). Later, a couple from Colorado who read about the mine went to see it and received quite a shock.

    Those two people toured the mine but saw none of the formations mentioned above. Their guide denied the existence of such wonders. Upon phoning the mine later, the couple was told the beautiful portion of the mine was not open to the public (Livesay 5). Another tourist, Sarah Bennet, went to see the formations and also saw none. One of the tour guides informed them the speleothems had been ‘removed’. What happened to the wonders at the Mollie Kathleen Mine is unclear. The owners may not have wanted people to see such formations because they were a testimony against evolution. Whatever happened, long age advocates have no explanation for the quickly created formations, but they still assign long ages to speleothems by using various isotopic dating methods.

    The first method measures C-14, and, based on how much Carbon isotope 14 is found in a speleothem, evolutionists can determine its age. However, the C-14 method cannot correctly date any formations from the last one thousand years to the present, and due to other sources of Carbon in a speleothem, the method “is unreliable at best” (Baskaran). Pb-210 or Lead isotope 210, a second dating method, is also limited in that it cannot date speleothems deposited more than one hundred years ago (Baskaran).

    So evolutionists use a third dating method, Thorium/Uranium (230Th/238U), which supposedly dates samples up to five hundred thousand years old (“Age determination of speleothem”). Five formations in Scarisoara Glacier Cave, Romania have been dated using Thorium/Uranium and they ranged from 14,800 to 126,300 years old. However, these dates have many problems. All of the samples were low in uranium content and, as a result, were difficult to date. So the scientists compensated by using "larger samples and prolonged counting times” thus making more room for error. The article containing the above dates of speleothems in the Glacier Cave, even admitted "...some of the dates still have large analytical errors" (Onac). Clearly this method is not accurate.

    Also, using the Thorium/Uranium method, a stalactite from Winnats Head Cave, Peak District was dated (“Age determination”). The same formation returned a date eighteen thousand years less than when it was dated with a fourth method measuring Lead/Uranium (206Pb/238U) isotope (“Age determination”). This fourth technique is reported to only correctly date speleothems from a few million years old to the earth’s age of 4.5 to 5 billion years according to evolutionary time (“Age determination”). Therefore, the few most recent million years are ‘skipped’. Since young earth creationists believe the earth is six to twelve thousand years old, this method skips all of time!

    The problems in these four methods are simply amazing. Carbon 14 can only date formations older than a few thousand years and often gets mixed up with other carbon sources, while Pb-210 can only properly date speleothems deposited in the last one hundred years. Thorium/Uranium dating is limited to the evolutionary age of five hundred thousand years and is inconsistent with Lead/Uranium dating which skips a few million years of evolutionary time. These systems are full of major time gaps, inconsistencies with each other, and many assumptions.

    Several assumptions must be made to date a speleothem using any of the above methods. These are often very risky, and can lead to large errors. First, the specimen being dated is assumed to be free from external influences like major climate change and pressure changes. Second, no pressure or climate change is assumed to have “reset” the decay of isotopes. Third, before the unstable isotope was deposited in the speleothem, similar elements were assumed to be absent. Fourth, it is assumed the radioactive isotopes in the formation protected and maintained the original radioactive material, and the isotopes produced as the original elements break down. Fifth, nothing like weathering, leaking, heat, etc. is assumed to have caused the formation to loose its original elements or product elements (Seymour).

    If the assumptions are not true, then the evolutionary dates are thrown off entirely by the delicate variables necessary to produce an accurate date of a speleothem. Even if isotopic dating was generally accurate, speleothem dates would still be too old. Dr. Silvestru, a creationist, points out, “even the tens of thousands of years assumed by evolutionists would mean we should see many more massive stalagmites than we actually find” (Wieland 15). Using the evolutionary growth rates, the speleothems we see today are actually too small!

    According to the 3 mm standard, one of the world's tallest stalagmites, located in Armand Cave in France, would have taken only 12,700 years to reach its towering 38 m height. This contradicts the dating method ages. Therefore, the stalagmite grew faster than it should have and the dating method on this formation did not work (Silvestru 48). Even though dating methods and their subsequent growth rates have been proven wrong by young earth creationists, evolutionists still back up old claims that caves, and speleothems, are tens of thousands to millions of years old.

    Evolutionists actually attack creationists and claim caves cannot possibly form, much less their speleothems, in just four to six thousand years or so after the flood. They say acidic water cannot eat away hundreds of thousands of feet of dolomite or limestone in that “short” time because the water would loose its carbonic-acid. Therefore, evolutionists deduce tens of thousands if not millions of years are required for acidic water to reach present day cave depths and carve them out (Oard 279). Yes, this is a logical conclusion. In the time since the flood, carbonic-acid water is simply inadequate to eat away that much limestone and dolomite. But what if that acidic water had some help from volcanic actions? What if the flood provided a way for water to reach caves quickly? The result of those what ifs are speedily formed caves!

    Several thousand years ago, God destroyed the earth completely with a global flood. Genesis 7:11b describes, “…on that day all the springs of the great deep burst forth, and the floodgates of the heavens were opened.” Water rushed up from the earth’s crust; volcanoes spewed magma into the air and sea. The very geography of the entire earth changed. Limestone and dolomite were quickly deposited along with many other types of stone. The movement of land masses caused cracks to form in the limestone and dolomite (Silvestru 47). Water followed those fissures underground to where it carved the caves we see today. By following crevices formed during the flood, the water did not need to “dissolve” all that limestone. Volcanic actions also contributed to carving caves.

    Volcanoes released hot sulfur and other gases into the water causing them to mix. The water, called hydrother

    Cluster Your Debts With Personal Debt Consolidation Loan
    Being a business man, I don’t have time to manage and carry cash all the time. And I found using credit cards as the most convenient way to shop around. But I forget to see the other side of using credit cards. The result of which was the number of debts pending at the end of each month. This was creating a sort of tension in my mind and I was not able to concentrate on my business. The problem basically was that how to pay these debts on time. Delay in making payments can affect my credit score, which is not good for me and my business. Then I came to know about personal debt consolidation loan. This loan helped me to come out of those embarrassing situation which could arise due to delay in making payments of debts.Personal Debt Consolidation Loan enables you to consolidate your outstanding debts into a single new debt; this implies reducing the burden of debts in order to save your time and money.Applying loan online makes the task easier. You just have to fill an application form on the internet itself. The lender will send you the quote if he finds you to be eligible for the loan.Debts counseling also come as a part of personal debt consolidation loan. In the debt counseling, whatever your debt problem is- personal or business debt or your credit card debt will be studied by debt counselor. And he will give you free advice on your credit situation and on the way to get rid off your debt in an easy and convenient way.Interest rate is generally referred as Annual percentage rate (APR). Annual percentage rate depends upon the situation of an individual and the rate prevailing in the current market. The APR can be amplified if the borrowers broaden up the repayment period.Other than personal debt consolidation loan there is various other kind of debt consolidation loan which the lenders offer according to the individuality of the borrower. They are:• Bad credit debt consolidation loan• Unsecured debt consolidation loan• Debt consolidation home loan• Credit card debt consolidation loa
    so cannot explain speleothems hanging from monuments, staircases, bridges, mines, and other unnatural objects. George Rogers Clark Memorial in Vincennes, Indiana, contains several out of place formations. Rain water erodes minerals from this limestone monument and drips into the basement. The result of the water draining into the basement creates the same effect as water dripping into a cave.
    Stalactites form when water deposits calcite on a surface such as a ceiling, and builds up into a stone cone. The water dripping from this deposits more calcite on the floor causing an upside down stalactite, called a stalagmite, to form. When the two formations grow together, they create a column. Those three formations decorate the once bare basement, including five columns eleven feet tall! Surprisingly, construction of the monument began in 1929 and the memorial was dedicated in 1936 (“Speleotherms:").

    Stalactites also are found under bridges in Philadelphia and they sometimes reach lengths over 30 cm (1 ft.) long (Meyers 8). These bridges were built in the last one hundred years. The growth rate of one foot per one hundred years defies evolutionary growth rates. In addition, stalactites are growing from the cement steps between two halls at Temple University, Philadelphia, built in 1973 (Meyers 7). A mine in Queensland, Australia, was void of decoration fifty five years ago, but is now covered in dazzling stone icicles (“Speleotherms:”).
    Speleothems have also been known to form on walkways in caves ("Stone Waterfalls”), on rainwater tanks in Australia (Meyers 8), and on lab tubes used to collect drip water from leaky pipes (Wieland 15). Stalactites are even growing from the electrical wires in Jenolan Caves, Australia ("Focus:” 4)!

    The Mollie Kathleen Mine at Cripple Creek, Colorado, was once very productive until its gold petered out in the early 1960’s. The mine closed in 1961 and was sealed off. However, portions of the mine are now open to public tours. Gary Livesay toured the mine with his wife and gazed upon fabulous formations of many colors and sizes. Soda straws stretched to lengths of 60-90 cm (2-3 feet), and several columns grew 2.7 m (9 feet) tall and 10-12 cm (4-5 in.) in diameter. Stalagmites were even growing from an old chair! All of these formed in just forty years (Livesay 45). Later, a couple from Colorado who read about the mine went to see it and received quite a shock.

    Those two people toured the mine but saw none of the formations mentioned above. Their guide denied the existence of such wonders. Upon phoning the mine later, the couple was told the beautiful portion of the mine was not open to the public (Livesay 5). Another tourist, Sarah Bennet, went to see the formations and also saw none. One of the tour guides informed them the speleothems had been ‘removed’. What happened to the wonders at the Mollie Kathleen Mine is unclear. The owners may not have wanted people to see such formations because they were a testimony against evolution. Whatever happened, long age advocates have no explanation for the quickly created formations, but they still assign long ages to speleothems by using various isotopic dating methods.

    The first method measures C-14, and, based on how much Carbon isotope 14 is found in a speleothem, evolutionists can determine its age. However, the C-14 method cannot correctly date any formations from the last one thousand years to the present, and due to other sources of Carbon in a speleothem, the method “is unreliable at best” (Baskaran). Pb-210 or Lead isotope 210, a second dating method, is also limited in that it cannot date speleothems deposited more than one hundred years ago (Baskaran).

    So evolutionists use a third dating method, Thorium/Uranium (230Th/238U), which supposedly dates samples up to five hundred thousand years old (“Age determination of speleothem”). Five formations in Scarisoara Glacier Cave, Romania have been dated using Thorium/Uranium and they ranged from 14,800 to 126,300 years old. However, these dates have many problems. All of the samples were low in uranium content and, as a result, were difficult to date. So the scientists compensated by using "larger samples and prolonged counting times” thus making more room for error. The article containing the above dates of speleothems in the Glacier Cave, even admitted "...some of the dates still have large analytical errors" (Onac). Clearly this method is not accurate.

    Also, using the Thorium/Uranium method, a stalactite from Winnats Head Cave, Peak District was dated (“Age determination”). The same formation returned a date eighteen thousand years less than when it was dated with a fourth method measuring Lead/Uranium (206Pb/238U) isotope (“Age determination”). This fourth technique is reported to only correctly date speleothems from a few million years old to the earth’s age of 4.5 to 5 billion years according to evolutionary time (“Age determination”). Therefore, the few most recent million years are ‘skipped’. Since young earth creationists believe the earth is six to twelve thousand years old, this method skips all of time!

    The problems in these four methods are simply amazing. Carbon 14 can only date formations older than a few thousand years and often gets mixed up with other carbon sources, while Pb-210 can only properly date speleothems deposited in the last one hundred years. Thorium/Uranium dating is limited to the evolutionary age of five hundred thousand years and is inconsistent with Lead/Uranium dating which skips a few million years of evolutionary time. These systems are full of major time gaps, inconsistencies with each other, and many assumptions.

    Several assumptions must be made to date a speleothem using any of the above methods. These are often very risky, and can lead to large errors. First, the specimen being dated is assumed to be free from external influences like major climate change and pressure changes. Second, no pressure or climate change is assumed to have “reset” the decay of isotopes. Third, before the unstable isotope was deposited in the speleothem, similar elements were assumed to be absent. Fourth, it is assumed the radioactive isotopes in the formation protected and maintained the original radioactive material, and the isotopes produced as the original elements break down. Fifth, nothing like weathering, leaking, heat, etc. is assumed to have caused the formation to loose its original elements or product elements (Seymour).

    If the assumptions are not true, then the evolutionary dates are thrown off entirely by the delicate variables necessary to produce an accurate date of a speleothem. Even if isotopic dating was generally accurate, speleothem dates would still be too old. Dr. Silvestru, a creationist, points out, “even the tens of thousands of years assumed by evolutionists would mean we should see many more massive stalagmites than we actually find” (Wieland 15). Using the evolutionary growth rates, the speleothems we see today are actually too small!

    According to the 3 mm standard, one of the world's tallest stalagmites, located in Armand Cave in France, would have taken only 12,700 years to reach its towering 38 m height. This contradicts the dating method ages. Therefore, the stalagmite grew faster than it should have and the dating method on this formation did not work (Silvestru 48). Even though dating methods and their subsequent growth rates have been proven wrong by young earth creationists, evolutionists still back up old claims that caves, and speleothems, are tens of thousands to millions of years old.

    Evolutionists actually attack creationists and claim caves cannot possibly form, much less their speleothems, in just four to six thousand years or so after the flood. They say acidic water cannot eat away hundreds of thousands of feet of dolomite or limestone in that “short” time because the water would loose its carbonic-acid. Therefore, evolutionists deduce tens of thousands if not millions of years are required for acidic water to reach present day cave depths and carve them out (Oard 279). Yes, this is a logical conclusion. In the time since the flood, carbonic-acid water is simply inadequate to eat away that much limestone and dolomite. But what if that acidic water had some help from volcanic actions? What if the flood provided a way for water to reach caves quickly? The result of those what ifs are speedily formed caves!

    Several thousand years ago, God destroyed the earth completely with a global flood. Genesis 7:11b describes, “…on that day all the springs of the great deep burst forth, and the floodgates of the heavens were opened.” Water rushed up from the earth’s crust; volcanoes spewed magma into the air and sea. The very geography of the entire earth changed. Limestone and dolomite were quickly deposited along with many other types of stone. The movement of land masses caused cracks to form in the limestone and dolomite (Silvestru 47). Water followed those fissures underground to where it carved the caves we see today. By following crevices formed during the flood, the water did not need to “dissolve” all that limestone. Volcanic actions also contributed to carving caves.

    Volcanoes released hot sulfur and other gases into the water causing them to mix. The water, called hydrothe

    The Google Sitemap For Idiots
    I don’t mind admitting that every time some new fangled idea or piece of technology arrives online, I have a small fit and wonder how long it’s going to take me to understand what it is, what it’s for and whether I need to use it to stay ‘up there’. It’s even more frightening when the experts start explaining it and really only serve to confuse the matter when they use their 'techno-speak'.Here I am still wrestling with RSS and along comes Google with their Sitemap program. I must admit, it sounds simple enough until you read a couple of articles about how to generate your sitemap or go to Google’s instructions and manage to get completely confused. I don’t know what it is, although I know it’s not just me. I know too many people who work online and have the same problem. Maybe we just went to school in the wrong decade (seventies or maybe earlier). But then, we can spell and write, can’t we…For those who need to know what the Google Sitemap program is about, here it is in the nutshell and in MY language - English. At least, what I think it is, anyway:Google, I imagine have become tired of crawling billions of websites, most of which are largely inactive or abandoned or both. So they are giving webmasters (website owners) the opportunity to play a part in the frequency and importance placed on the crawling of our websites. Even to the point of giving us the ability to prioritize these aspects of the individual pages. In doing so, they are also having us do some of their work for them, which is OK, seeing as they are our websites. I think it's grand.In their instructions, Google give a few different methods by which you can generate a suitable Sitemap and how to get it onto your server etc. To be honest, I found it totally confusing. They do suggest that we use their Sitemap generator, but it is only compatible if your server uses a thing called ‘Python 2.2’ and you need to know the command that launches it… WHAT??? There’s that ‘nerd stuff’ again. Every time I send a simple question to my webhost, like, “what’s your nam
    ter, a couple from Colorado who read about the mine went to see it and received quite a shock.

    Those two people toured the mine but saw none of the formations mentioned above. Their guide denied the existence of such wonders. Upon phoning the mine later, the couple was told the beautiful portion of the mine was not open to the public (Livesay 5). Another tourist, Sarah Bennet, went to see the formations and also saw none. One of the tour guides informed them the speleothems had been ‘removed’. What happened to the wonders at the Mollie Kathleen Mine is unclear. The owners may not have wanted people to see such formations because they were a testimony against evolution. Whatever happened, long age advocates have no explanation for the quickly created formations, but they still assign long ages to speleothems by using various isotopic dating methods.

    The first method measures C-14, and, based on how much Carbon isotope 14 is found in a speleothem, evolutionists can determine its age. However, the C-14 method cannot correctly date any formations from the last one thousand years to the present, and due to other sources of Carbon in a speleothem, the method “is unreliable at best” (Baskaran). Pb-210 or Lead isotope 210, a second dating method, is also limited in that it cannot date speleothems deposited more than one hundred years ago (Baskaran).

    So evolutionists use a third dating method, Thorium/Uranium (230Th/238U), which supposedly dates samples up to five hundred thousand years old (“Age determination of speleothem”). Five formations in Scarisoara Glacier Cave, Romania have been dated using Thorium/Uranium and they ranged from 14,800 to 126,300 years old. However, these dates have many problems. All of the samples were low in uranium content and, as a result, were difficult to date. So the scientists compensated by using "larger samples and prolonged counting times” thus making more room for error. The article containing the above dates of speleothems in the Glacier Cave, even admitted "...some of the dates still have large analytical errors" (Onac). Clearly this method is not accurate.

    Also, using the Thorium/Uranium method, a stalactite from Winnats Head Cave, Peak District was dated (“Age determination”). The same formation returned a date eighteen thousand years less than when it was dated with a fourth method measuring Lead/Uranium (206Pb/238U) isotope (“Age determination”). This fourth technique is reported to only correctly date speleothems from a few million years old to the earth’s age of 4.5 to 5 billion years according to evolutionary time (“Age determination”). Therefore, the few most recent million years are ‘skipped’. Since young earth creationists believe the earth is six to twelve thousand years old, this method skips all of time!

    The problems in these four methods are simply amazing. Carbon 14 can only date formations older than a few thousand years and often gets mixed up with other carbon sources, while Pb-210 can only properly date speleothems deposited in the last one hundred years. Thorium/Uranium dating is limited to the evolutionary age of five hundred thousand years and is inconsistent with Lead/Uranium dating which skips a few million years of evolutionary time. These systems are full of major time gaps, inconsistencies with each other, and many assumptions.

    Several assumptions must be made to date a speleothem using any of the above methods. These are often very risky, and can lead to large errors. First, the specimen being dated is assumed to be free from external influences like major climate change and pressure changes. Second, no pressure or climate change is assumed to have “reset” the decay of isotopes. Third, before the unstable isotope was deposited in the speleothem, similar elements were assumed to be absent. Fourth, it is assumed the radioactive isotopes in the formation protected and maintained the original radioactive material, and the isotopes produced as the original elements break down. Fifth, nothing like weathering, leaking, heat, etc. is assumed to have caused the formation to loose its original elements or product elements (Seymour).

    If the assumptions are not true, then the evolutionary dates are thrown off entirely by the delicate variables necessary to produce an accurate date of a speleothem. Even if isotopic dating was generally accurate, speleothem dates would still be too old. Dr. Silvestru, a creationist, points out, “even the tens of thousands of years assumed by evolutionists would mean we should see many more massive stalagmites than we actually find” (Wieland 15). Using the evolutionary growth rates, the speleothems we see today are actually too small!

    According to the 3 mm standard, one of the world's tallest stalagmites, located in Armand Cave in France, would have taken only 12,700 years to reach its towering 38 m height. This contradicts the dating method ages. Therefore, the stalagmite grew faster than it should have and the dating method on this formation did not work (Silvestru 48). Even though dating methods and their subsequent growth rates have been proven wrong by young earth creationists, evolutionists still back up old claims that caves, and speleothems, are tens of thousands to millions of years old.

    Evolutionists actually attack creationists and claim caves cannot possibly form, much less their speleothems, in just four to six thousand years or so after the flood. They say acidic water cannot eat away hundreds of thousands of feet of dolomite or limestone in that “short” time because the water would loose its carbonic-acid. Therefore, evolutionists deduce tens of thousands if not millions of years are required for acidic water to reach present day cave depths and carve them out (Oard 279). Yes, this is a logical conclusion. In the time since the flood, carbonic-acid water is simply inadequate to eat away that much limestone and dolomite. But what if that acidic water had some help from volcanic actions? What if the flood provided a way for water to reach caves quickly? The result of those what ifs are speedily formed caves!

    Several thousand years ago, God destroyed the earth completely with a global flood. Genesis 7:11b describes, “…on that day all the springs of the great deep burst forth, and the floodgates of the heavens were opened.” Water rushed up from the earth’s crust; volcanoes spewed magma into the air and sea. The very geography of the entire earth changed. Limestone and dolomite were quickly deposited along with many other types of stone. The movement of land masses caused cracks to form in the limestone and dolomite (Silvestru 47). Water followed those fissures underground to where it carved the caves we see today. By following crevices formed during the flood, the water did not need to “dissolve” all that limestone. Volcanic actions also contributed to carving caves.

    Volcanoes released hot sulfur and other gases into the water causing them to mix. The water, called hydrothe

    How To Approach Your Noisy Neighbors
    It is certainly true that there may be no law that can put your noisy neighbors permanently behind bars, but there is still a way where you can achieve sweet justice. It is always a hassle when you are ready for your daily dose of sleep when all of a sudden your neighbor pumped up the volume of their stereo or are just plain boisterous and rowdy. You may feel that there is not much you can do since it’s a free world anyway. But there is a chance of hope to keep things under control if you try to talk and straighten the issue face to face with your neighbors.The first thing to solve such problem is to confront your neighbors. Most people who are creating this kind of nuisance may have no idea at all that they are being too noisy. Ask them nicely that they are causing you sleepless nights or that you are uncomfortable with their noise. They would probably extend their apologies instantly if you let out your concern in a very civil way.If you get them to stop making noise on your first try, then you are in luck. However, since it may be in their nature to be noisy, you may find yourself in the same situation again and again. If it happens for a second time, approach them again. First, thank them for the improvement that they may have after the first time you approach them about the issue. Let them know that they may be losing their focus of your concern and that they are back to making a disturbing amount of noise.It would also be a good idea to ask for their home phone number. You can always give them a ring every time things get out of hand and continue to create too much noise for you to handle. Remember that you should talk to them politely every single time. What do you know, you may even be a help in training them to be good neighbors.It’s true that we do not live in a world where all people are understanding and would empathize with the situation at hand. If the above approach doesn’t work, then you can go ahead and make a written complaint about your concern with your landlord or building maintenance department, o
    dated with a fourth method measuring Lead/Uranium (206Pb/238U) isotope (“Age determination”). This fourth technique is reported to only correctly date speleothems from a few million years old to the earth’s age of 4.5 to 5 billion years according to evolutionary time (“Age determination”). Therefore, the few most recent million years are ‘skipped’. Since young earth creationists believe the earth is six to twelve thousand years old, this method skips all of time!

    The problems in these four methods are simply amazing. Carbon 14 can only date formations older than a few thousand years and often gets mixed up with other carbon sources, while Pb-210 can only properly date speleothems deposited in the last one hundred years. Thorium/Uranium dating is limited to the evolutionary age of five hundred thousand years and is inconsistent with Lead/Uranium dating which skips a few million years of evolutionary time. These systems are full of major time gaps, inconsistencies with each other, and many assumptions.

    Several assumptions must be made to date a speleothem using any of the above methods. These are often very risky, and can lead to large errors. First, the specimen being dated is assumed to be free from external influences like major climate change and pressure changes. Second, no pressure or climate change is assumed to have “reset” the decay of isotopes. Third, before the unstable isotope was deposited in the speleothem, similar elements were assumed to be absent. Fourth, it is assumed the radioactive isotopes in the formation protected and maintained the original radioactive material, and the isotopes produced as the original elements break down. Fifth, nothing like weathering, leaking, heat, etc. is assumed to have caused the formation to loose its original elements or product elements (Seymour).

    If the assumptions are not true, then the evolutionary dates are thrown off entirely by the delicate variables necessary to produce an accurate date of a speleothem. Even if isotopic dating was generally accurate, speleothem dates would still be too old. Dr. Silvestru, a creationist, points out, “even the tens of thousands of years assumed by evolutionists would mean we should see many more massive stalagmites than we actually find” (Wieland 15). Using the evolutionary growth rates, the speleothems we see today are actually too small!

    According to the 3 mm standard, one of the world's tallest stalagmites, located in Armand Cave in France, would have taken only 12,700 years to reach its towering 38 m height. This contradicts the dating method ages. Therefore, the stalagmite grew faster than it should have and the dating method on this formation did not work (Silvestru 48). Even though dating methods and their subsequent growth rates have been proven wrong by young earth creationists, evolutionists still back up old claims that caves, and speleothems, are tens of thousands to millions of years old.

    Evolutionists actually attack creationists and claim caves cannot possibly form, much less their speleothems, in just four to six thousand years or so after the flood. They say acidic water cannot eat away hundreds of thousands of feet of dolomite or limestone in that “short” time because the water would loose its carbonic-acid. Therefore, evolutionists deduce tens of thousands if not millions of years are required for acidic water to reach present day cave depths and carve them out (Oard 279). Yes, this is a logical conclusion. In the time since the flood, carbonic-acid water is simply inadequate to eat away that much limestone and dolomite. But what if that acidic water had some help from volcanic actions? What if the flood provided a way for water to reach caves quickly? The result of those what ifs are speedily formed caves!

    Several thousand years ago, God destroyed the earth completely with a global flood. Genesis 7:11b describes, “…on that day all the springs of the great deep burst forth, and the floodgates of the heavens were opened.” Water rushed up from the earth’s crust; volcanoes spewed magma into the air and sea. The very geography of the entire earth changed. Limestone and dolomite were quickly deposited along with many other types of stone. The movement of land masses caused cracks to form in the limestone and dolomite (Silvestru 47). Water followed those fissures underground to where it carved the caves we see today. By following crevices formed during the flood, the water did not need to “dissolve” all that limestone. Volcanic actions also contributed to carving caves.

    Volcanoes released hot sulfur and other gases into the water causing them to mix. The water, called hydrothe

    What Is A Marketing Roadmap
    Most people don’t realize the true impact of having a marketing plan. Whether your organization is profit or nonprofit, if you have a product, message or mission that you’re trying to communicate to the masses, then you definitely need a plan of action. Many businesses have a great product or service, but when asked what their marketing strategy is, they fail to come up with an effective marketing plan to penetrate their targeted audience.A marketing roadmap is similar to preparing for a trip. How? When taking a trip, you look at where you’re headed and map out the best possible route to get to your destination. Let’s examine this checklist of seven things you would review prior to traveling on your trip, compared to their navigational significance in your marketing roadmap:1. TRIP: What is my destination? BUSINESS: What is my goal for my business?2. TRIP: Who are my traveling companions? BUSINESS: Do I have effective employees, support staff and a targeted market/audience?3. TRIP: How much money will I need to travel with? BUSINESS: What is my projected marketing budget?4. TRIP: How will I get to my destination? BUSINESS: What are the marketing vehicles (ie. email, newsletters, mailers, media communication) I will use to reach my targeted market/audience?5. TRIP: What types of clothes do I need to take with me? BUSINESS: Will I have seasonal, one-time or year-round clients?6. TRIP: What items do I need to take in case of an emergency? BUSINESS: In the event that something unexpected happens with my initial plans, do I have a backup game plan to continue on the road to reaching my goals?7. TRIP: What is my trip’s ETA (Estimated Time of Arrival)? BUSINESS: What are my short and long term business goals (ie. 6 months, 1 year, 5 years and beyond)?After taking your trip, what were the favorable vs. non-favorable things you experienced? How did you handle any detours? Would you use another mode of transportation for traveling the next time? Did you take enough money with you?
    see today are actually too small!

    According to the 3 mm standard, one of the world's tallest stalagmites, located in Armand Cave in France, would have taken only 12,700 years to reach its towering 38 m height. This contradicts the dating method ages. Therefore, the stalagmite grew faster than it should have and the dating method on this formation did not work (Silvestru 48). Even though dating methods and their subsequent growth rates have been proven wrong by young earth creationists, evolutionists still back up old claims that caves, and speleothems, are tens of thousands to millions of years old.

    Evolutionists actually attack creationists and claim caves cannot possibly form, much less their speleothems, in just four to six thousand years or so after the flood. They say acidic water cannot eat away hundreds of thousands of feet of dolomite or limestone in that “short” time because the water would loose its carbonic-acid. Therefore, evolutionists deduce tens of thousands if not millions of years are required for acidic water to reach present day cave depths and carve them out (Oard 279). Yes, this is a logical conclusion. In the time since the flood, carbonic-acid water is simply inadequate to eat away that much limestone and dolomite. But what if that acidic water had some help from volcanic actions? What if the flood provided a way for water to reach caves quickly? The result of those what ifs are speedily formed caves!

    Several thousand years ago, God destroyed the earth completely with a global flood. Genesis 7:11b describes, “…on that day all the springs of the great deep burst forth, and the floodgates of the heavens were opened.” Water rushed up from the earth’s crust; volcanoes spewed magma into the air and sea. The very geography of the entire earth changed. Limestone and dolomite were quickly deposited along with many other types of stone. The movement of land masses caused cracks to form in the limestone and dolomite (Silvestru 47). Water followed those fissures underground to where it carved the caves we see today. By following crevices formed during the flood, the water did not need to “dissolve” all that limestone. Volcanic actions also contributed to carving caves.

    Volcanoes released hot sulfur and other gases into the water causing them to mix. The water, called hydrothermal water, ate through stone very quickly because of its heat and sulfuric content. Ten percent of caves in the world today contain evidence indicating formation by hydrothermal water (Oard 279). Many caves are just too wet to preserve any sulfur traces, but, according to “Caves for all Seasons” by Emil Silvestru, probably more than ten percent of caves were formed in this way. Once the flood waters carved the caverns, speleothems formed quickly (Silvestru 48).

    Furthermore, massive amounts of water drained off the surface of the earth and flowed through the crust into caves and other reservoirs. With tons of water streaming into caves, speleothems such as soda straws, stalactites, stalagmites, and flowstone formed swiftly. Because of the flood, the beautiful creations in caves today did not take “forever” to form. Caves and speleothems are clearly not very old.

    Caves today show speleothem growth is not consistent with the evolutionary rate of .1 mm to 3 mm per year. The beautiful stone icicles suspended from man made bridges, buildings, and mines demonstrate the possibility of stalactites forming in a short time. Errors and inconsistencies in isotopic dating prove the evolutionary methods unreliability. Evolution as a whole just does not work. Many evolutionists think they have life all figured out, but they are blinded from the truth by their own teachings.

    Imagine a man winding his way deeper into a cave and finding his light slowly dimming. When it went out, he stumbled and wandered, hopelessly lost. Everything he did and everywhere he turned only made his predicament worse. Moments later he found himself teetering on the edge of an eternal abyss. The man was left with a choice. Death or life. Millions of years of evolution or six days of creation.

    The choice is ours. A freak accident or a Creator. The speleothems help us see evolution is wrong. Caves are delicate structures and one little change or shift can upset them. Evolutionary ages provide plenty of time for those shifts to take place. However, there are still many active caves today, indicating that caves are not very old. Jonathan Wells commented on evolution, “…the problem of assembling the right parts in the right way at the right time and at the right place, while keeping out the wrong material, is simply insurmountable” (Strobel 39). Long years of evolution are not possible. The Bible tells us the truth and that truth leads to a path of righteousness; not one to an eternal abyss.

    Works Cited

    "Age Determination of Speleothems Using Th, Pb and U Isotope Ratios." 28 April 2002. (5 January 2005).

    Baskaran, M. and Lliffe, Thomas. "Age Determination of Recent Cave Deposits Using Excess 210Pb - A New Technique." 16 August 2003. (5 January 2005).

    "Focus: News of Interest about Creation and Evolution." Creation November 1983: 4-5.
    Livesay, Gary. "Feedback: Cave Conundrum." Creation December 2001: 4-5.

    Livesay, Gary. "Mollie Kathleen's Marvelous Mysteries." Creation June 2001: 44-46.

    Meyers, Stephens and Robert Doolan, "Rapid Stalactites." Creation September 1987: 6-8.

    Oard, Michael. "Rapid cave formation by sulfuric acid dissolution." TJ December 1998: 279-280

    Onac, P. Bogdan. "Mineralogical Studies and Uranium-series Dating of Speleothems from Scarisoara Glacier Cave (Bihor Mountains, Romania)." 2000. University of Cluj, Dept. of Mineralogy: Institute of Speleology. (8 January 2005).

    Orr, Bryson. Personal experience in Round Spring Caverns, Missouri. July 2004.

    Seymour, G. L. "Absolute Dating of Speleothems - Words of Caution." 28 April 2002. (7 January 2005).


    Silvestru, Emil. "Caves for all Seasons." Creation Volume 25 issue 3. June- August 2003: 45-49

    "Speleotherms: (sic) stalagmites and stalactites.” (7 January 2005)

    "Stalactites do not take millions of years!" Creation Issue 20 Volume 2. March 1998: 27.

    "Stone Waterfalls and Cave Carrots. The Story of Speleothems." (5 January 2005).

    Strobel, Lee. "Doubts about Darwinism." The Case For A Creator. Grand Rapids, Michigan: Zondervan Publishing House, 2004.

    The Student Bible. New International Version. Grand Rapids, Michigan: Zondervan Publishing House, 1992.

    White, Monty. "The Amazing Stone Bears of Yorkshire." Creation June-August 2002: 48-49.

    Wieland, Carl. "Caving in to Creation." Creation June 1999: 10-15

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