Word: cagan
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...sell before your initial low rates expire, you may want to refinance into a new kind of hybrid loan, such as an adjustable-rate mortgage that eventually converts into a fixed 25-year loan. "You'll moderate the shock of a sudden doubling of your monthly payments," says Christopher Cagan, director of research for First American Real Estate Solutions...
...Cagan Sekercioglu ’97, writing a thesis on the long-term effects of forestry practices on African birds meant his first visit to the continent, a stay that lasted two months and for which he prepared by memorizing the calls of about 250 Ugandan forest bird species...
Manhattan Businessman Richard Perl, 29, has a morning ritual. After dressing, he drops a small crystal into his pocket to enhance his concentration and aid + him in contract negotiations during his workday. Andrea Cagan, 38, a Los Angeles physical therapist, follows an evening routine: she slips a sliver of rose quartz under her pillow to help her sleep peacefully...
...Perl and Cagan are among the growing number of Americans, many of them under 40, who are tuning in to "crystal consciousness," the pseudoscientific belief that such natural gemstones as quartz crystal, citrine, tourmaline and amethyst have paranormal healing and restorative powers. The crystal craze is part of a loosely linked spiritualism gaining ground on both coasts. Called "New Age" thinking, it is an esoteric blend of computer-age jargon and ancient religious practice, which often invested stones with powerful magic. Some other curious elements of the New Age faith include reincarnation, channeling (communing with souls in their afterlife...
...piece rock group for a full orchestra, touring has become a nonsexist family affair. Her father, David Manchester, 60, former bassoonist with the Metropolitan Opera orchestra, occasionally hits the road with her, and has been instrumental on Melissa's last two orchestrated pop-rock records. Sister Claudia Cagan, 34, sings backup, and Mother Ruth creates some of her costumes. Manchester, 29, is even getting some help up front: Brother-in-Law Steve Cagan, 34, is her conductor...