Whole Life Insurance

Thousands of years ago, ancient Greek astronomers calculated that the track of the Earth’s axis is constantly, even if in a very slow way, shifting in a uniform pattern. The variation is very similar to the manner a spinning top slowly leans one way and then another as it slows down. It is a wobble that happens as its axis alters direction.

This odd movement of the planet is due to several factors, the most important of which is something called ‘precession’. Precession stems from the fact that the Earth is not a perfect sphere. It is in fact about twenty-seven miles longer around the Equator that it is around the Poles. The Earth then is oblate, or fat around the middle like middle-aged spread, but it is due to the spinning not to its age.

If you picture the Earth with its Poles off centre. Then rotate that image and you will find that any point, except the very centre of the axis, will travel in a circle. But very, very gradually. So slowly that it takes 26,000 years to go full circle and get back to where it started from.

This point then, any point you want, is very gradually shifting its position in relation to the stars because the axis is rotating too. The result of this is that, what we call the North Star (formally known as Polaris, which is actually one degree off true North) will not be above our North Pole one day. In fact, by about 15,000 AD, Vega will be almost above the North Pole, although it will be about four degrees off true North. But even this will not last, and by 28,000 AD, Polaris will be back above where it is nowadays.

One of the effects of the precession is that seasons change. They modify the dates that they take place, so that Summer could come earlier or later. The amazing thing about our calendar is that it is corrected for that (with the leap year). If it were not, the vernal or Spring equinox would move over 13,000 years from March 21st to September 21st., which is the date of the autumnal equinox, precisely half a year later.

It is for this reason that the precession of the Earth is generally referred to as the “Precession of the Equinoxes”. Although the precession of the equinoxes is very lengthy, it can be readily observed. The correct year of 325.25 days is the length of time from one vernal equinox to the next vernal equinox, however, it takes 20 minutes and 24 seconds longer for the Sun to appear in exactly the same place in relation to the stars behind it over the same period, which is why accurate star maps have to be stamped with the exact time and date to which they relate.

Owen Jones, the writer of this article, writes on many subjects, but is currently involved with researching Franklin planner pages. If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars

Even if you were to invent something earth-shattering, you would not earn any money out of it if you left the invention on your desk. The only way you can turn a profit from it is by selling it and in order to accomplish this, you have to inform people that it exists, that it is for sale and where they may get it from. In other words, you have to advertise it.

The US Patents Office has issued thousands patents for products that never made it and many of those did not make it, not because they were not excellent concepts, but because their inventors did not know what to do with them. A business is more or less the same as a new invention. It has to be marketed, unless it is situated in the middle of the only street in town.

Having already started the business, it is to be hoped that, you have already worked out your intended market and evaluated the need for your goods or services. Now you have to convert those potential customers into satisfied customers and this is where your promotional strategy comes in.

A promotional strategy is nothing more than a for reaching your intended market, which is of course the people most likely to require your services or products. At its simplest, your promotional strategy might consist of just hanging a sign over your door and relying on word of mouth from satisfied customers to circulate, so doing your advertising for you.

In some cases, this is indeed all the advertising a business requires, but the cases are not that widespread really. It works, if you are operating in a very small town or if your product or service is unique or very specialized or if you enjoy a long-standing good reputation. However, usually, customers require more details to go on before they will be attracted to your business.

Therefore, the goal of your promotional strategy should be to reach the greatest number of potential customers by the most economical use of your resources, which may include money, personnel and facilities. This means that you have to divine the channels of communication most used by your potential customers and try to connect with them through those. This is normally constrained by a budget.

Advertising involves the purchasing of time or space in the media you have selected in order to market your business to your intended market. You then have to come to a decision which form of advertising you are going to use: institutional or product advertising. Institutional advertising promotes the firm’s name as in: ‘Larry’s Boot Shop - The Best In Town’, whereas product advertising is more specific and might read: ‘Nike Walking Boots - 30% off at Larry’s. Offer Finishes Friday!’

Both forms of advertising can be successful and lend themselves better to some media than to others. Institutional advertising is better done on shop signs, sign-written vans or windows or promotional calendars, that is, static, long-term, business name advertising and product advertising is better done by newspaper, magazine, radio and TV, where one-off special offers can be promoted.

Owen Jones, the writer of this piece, writes on many topics, but is currently involved with researching promotional wall calendars. If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars

Christmas - is the celebration of Jesus’ birthday. Although the precise date of his birth is unknown, December 25th was most likely selected because it coincided with a pagan mid-winter festival. The ‘Twelve Days Of Christmas” mark the days between Christmas and Epiphany (January 6th), which was the day of the wise men’s visit.

Easter - is the most important day in the Christian calendar, because it celebrates Christ’s Resurrection, which gave / gives Christians the hope of salvation and eternal life. Easter always falls on the first Sunday after the first full moon after the vernal (Spring) equinox, which is on 21st March.

Shrove Tuesday - (Mardi Gras or Fat Tuesday) was originally a day of penance, but is now marked by merrymaking. It is the day before the beginning of Lent.

Ash Wednesday - is derived from the marking of a cross on the forehead of believers with the ashes from the burnt palms used on Palm Sunday.

Lent - 40 days of atonement and fasting

Palm Sunday - the Sunday before Easter, celebrates the entrance of Jesus into Jerusalem, where palms were strewn on the road before him.

Maundy (Holy) Thursday - the day of the Last supper.

Good Friday - is the day of Christ’s crucifixion.

Holy Saturday - is the day before the Resurrection.

The Annunciation - March 25th is celebrated by Catholics as the day that Archangel Gabriel told Mary about her impending pregnancy.

Trinity Sunday - is celebrated by some denominations in honour of The Father, The Son and The Holy Spirit. It was declared part of the holy calendar in 1334 by Pope John XII.

Corpus Christi - Catholics remembers the presence of the body of Christ on the Thursday after Trinity Sunday.

All Saints Day - this mainly Catholic remembrance is on November 1 and honours all Christian saints.

Advent - a religious season that starts on the Sunday nearest to November 30 and lasts until Christmas Day. It celebrates the birth of Jesus and anticipates his Second Coming. It was once a period of fasting, but now no longer.

Holy Days Of Obligation - are feast days in the Catholic calendar marked by attendance at mass and the avoidance of unnecessary work. There are six in the USA: Solemnity of Mary - January 1: Christ’s circumcision, ie his first shedding of blood Ascension - 40 days after Easter Assumption - August 15: Mary is accepted into Heaven All Saints’ Day - November 1 Mary’s Immaculate Conception - December 8 Christmas Day - December 25.

Owen Jones, the writer of this article, writes on many subjects, but is currently involved with Franklin Covey planner refillss If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars

It is a worldwide convention to give gifts for such occasions as birthdays and wedding days, but after that is where the countries start to differ. Britons and people tracing their history back there give gifts on Christmas Day as well.

However, many other Europeans give presents at Christmas on Saint Nicholas’ Day or December 6th. Non-Christian countries usually give presents at New Year.

Whatever you do in your country, giving a present requires thought. The stores are frequently full of junk at these gift-giving times of the year, but there is also a lot of good stuff about, at a price. The alternatives are twofold basically.

You can either make something which will be one of a kind, I imagine that this includes personalizing a shop-bought gift or you can think outside of the box, which many people find quite difficult. Personally, I find it hard, but it does get easier the more often you try it and the better you know the person you are going to give the gift to.

Here then are a few ideas which you may decide to take on board ‘as is’, or they may inspire you on to better ideas. As I write, Christmas is coming up and then it is Saint Valentine’s day before you know it. We definitely get plenty of opportunity to practice buying presents in the West!

A Plot Of Your Own: I come from Wales in the UK (is there any other?) and up the way from me a local plot of green-belt land was in trouble. Experts said that it should be planted with trees, but the authorities did not have the funds, so they advertised six feet square plots of land for sale with a sapling of your preference on it.

You also got a title deed, instructions and a photo. Furthermore, the tree would be maintained for five years until it was established. I know that this is not the only place that did this and it was almost certainly not the first either, but it makes a good gift for a teenager who is thinking about what he or she can do to assist the environment.

The Key To Success: some children and their parents will appreciate this one. Scour the second-hand shops for an older or even an unusual money box. Fill the money box up to a certain level with various coins that bring that level up to the value that you want to give, but leave plenty of room for the child to put money in too. Who do you give the key to? That depends on how well you know the child.

Starting A Collection: this is a brave, but good one. If you know the child well or are prepared to take on a commitment (such as a godparent should), you could choose a set of collectables, such as plates, glasses or coins and buy two or three examples to start the collection off. You can add to it every year. Others will be thankful to you too because they will jump on the band wagon.

In The Bag: if your friend is an invalid or just is temporarily in hospital, it is beneficial to give a wicker basket or a nice bag full of handy items. Choose the items to suit your friend, but everyone might like a writing pad, a pen, a comb or brush, wet wipes or tissues, a small book of verse, a miniature radio with ear plugs, a mirror, straws, a bottle opener, only you know, but you get the idea, I’m sure.

Stamp It: you can buy a large packet of literally thousands of foreign stamps for very little. Buy a stamp album and hinges and you could start a lasting obsession. It also gives you gift ideas for years to come too.

Owen Jones, the author of this article, writes on many subjects, but is currently involved with researching Fanklin planner pages. If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars

Hereunder is a directory of minor holidays and occasions in the United States. Some of them are virtually unknown, and others are quite obscure.

April Fools’ Day - (April 1): the day for practical jokes (only before noon in the UK). Its origins are obscure, but it bears a similarity to an ancient Roman festival for the goddess of nature.

Arbor Day - (last Friday in April): devoted to trees and their conservation. It is held on December 22 everywhere else in the world.

Armed Forces Day - (third Sunday in May): a day to honour the US armed forces.

Citizenship Day - (September 17): replaced Constitution Day in 1952 by presidential proclamation.

Daylight-Saving Time: was first proposed by Benjamin Franklin in 1784, but became the Uniform Time Act in 1966. It is not observed in Hawaii, the Eastern Time Zone of Indiana, most of Arizona (except on the Navajo Reservation), American Samoa, Puerto Rico, the Virgin Islands and Guam.

Election Day - (Tuesday after the first Monday in November): presidential elections are held in years divisible by four and elections for all members of the House of Representatives and one-third of the Senate in years evenly divisible by two.

Fathers’ Day - (third Sunday in June): was first observed in West Virginia in 1908, but this uniquely American holiday was not made official until 1972.

Flag Day - (June 14): was first celebrated in 1877, which was the centenary of the adoption of the modern design. Truman passed the Flag Day Bill in 1949.

Groundhog Day - (February 2): on this day the groundhog looks out of his burrow. If he sees his own shadow there will be six weeks of Winter to follow, otherwise Spring is just around the corner.

Halloween - (October 31): All Hallow’s Eve is the day before the feast of All Saints. It started as a pagan custom honouring the dead and a celebration of Autumn. ‘Trick or Treat’ is purely American with no historical foundation.

Kwanzaa - is a secular observance by African-Americans to commemorate their African heritage. It begins on Dec.26th when a candle in a candelabrum is lit every day for seven days. It was first practiced by Maulana Karenga in 1966.

Mothers’ Day - (second Sunday in May): was thought of by Anne M. Jarvis of Philadelphia as a way for children to pay homage to their mothers. It received presidential proclamation in 1914.

National Maritime Day - (May 22): was proclaimed in 1935 to commemorate the SS Savannah’s first successful transatlantic crossing by a steamship in 1819. It is also a day of remembrance of merchant mariners who died in defense of their country.

National Teachers’ Day - (Tuesday of the first full week in May): is when pupils are meant to honour the teaching profession.

St. Patrick’s Day - (March 17): has been borrowed from Ireland where it is their national saint’s day.

St. Valentine’s Day - (February 14): was initially to honour two saints martyred by Emperor Claudius (214 - 270), but has been dedicated to lovers since the Middle Ages.

Susan B. Anthony Day - (February 15): Anthony (1820 - 1906) worked for women’s rights and suffrage.

United Nations’ Day - (October 24): commemorates the endorsement of the UN Charter in 1945 by the then five permanent members of the Security Council.

Owen Jones, the writer of this article, writes on many subjects, but is currently involved with researching Franklin planner pages. If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars

Are you wondering what the best times to try to schedule a fly fishing trip are? Well, when we talk about a fly fishing calendar, we are not quite referring to a printed calendar that you can hang on your wall. We are talking about targeting and specifying the right times to fish and the right places at which to fish.

The main thing you have to think about when you are considering drawing up a fly fishing calendar is: when will the water be at the optimum temperature? That is, the temperature that is best for catching fish. The right time to go fishing will depend on the region that you are looking at for your fly fishing trip.

In some locations, like California, the fishing is very good all the year round. Whereas in other places, like Washington, you will need to avoid the water in the winter as the freezing temperatures will stress the fish and they will not be as plentiful.

Generally speaking, the fly fishing calendar shows that the best fly fishing is in the spring and summer periods. Early fall will also find some places seeing good fishing as well. Almanacs can be useful to steer you towards the best fishing times and places as can constantly updating Internet web sites that are run by dedicated local fishermen.

Many locations will give weekly, and sometimes even daily fishing intelligence on their websites. They can tell you where the fish are biting and where the best places in the river are to cast your line. They generally keep these fields of their web sites updated pretty frequently. So you can get excellent reports just by looking at what other anglers have to say about their fishing experiences.

Usually, fish like warmer water, although, there are other species like salmon and steelhead that thrive in colder water. However, in general, warm water will attract more fish. Nonetheless, if the water is too warm, the fish will be sluggish and will swim to places where the water is cooler.

The fly fishing calendar used most often by experienced fishermen has been compiled over a long period of time. They expend a considerable quantity of effort to estimate where and when the best fishing will take place. Then they share it with others. That is one of the best things about fly fishing - the camaraderie and the sharing that can come about because of a mutual affection for the sport of fly fishing.

You can create your own fly fishing calendar with a little time and effort. Just do your homework and keep plenty of notes. When you see a trend, you will know that it is time to go fishing! Then you should be sure to help your fellow anglers by passing on the information via a local club or the Internet, if you are talented at it, because others will be trying to figure out what you already know. You know that most fly fishermen would do the same for you, do you not?

Owen Jones, the author of this article, writes on many subjects, but is currently involved with researching Franklin planner pages. If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars

A lot of people predicted that the start of the new Millennium, the year 2000 would be the date of the apocalypse. However, fortunately, they were very wide of the mark.

What is it that makes people to attempt to predict disasters? Is it because they are attempting to warn people or because they wish to scare people? Frighten people, I think and thereby gain advantage over the naive.

These apocalyptic prophesies go back thousands of years and even happen in the Bible. Their only raison d’etre is to frighten people and so gain money, power and influence over them.

Even the millennium bug turned out not to be a problem with computers working perfectly well after midnight despite claims by ‘computer experts’ that there would be a worldwide crash of stupendous importance. The computer industry made a fortune out of frightening businesses and individuals with their lies. That was the scam of the Nineties to end all scams!

So why all the hype? Was it just the arrival of a new millennium, which caused so many to make predictions on this date rather than stick to their usual common sense? Yes, I think. People saw the chance of a lifetime to rip others off and they jumped at it.

Needless to say there were hundreds of prophesies made ranging from the arrival of aliens and the Second Coming of Christ to aircraft crashes. None of which came true. Here are a couple of those less than precise prophesies:

May 5th was the day upon which all the planets lined up. The prediction was that the gravitational force of all these heavenly bodies in alignment would cause massive earthquakes, huge tides and volcanic eruptions.

A lot of individuals also prophesied that the shifting of the poles would occur during 2000 and that this would cause disastrous events such as high tides, widespread electrical failure and computer failures, which would mean economic failure for the larger countries and insurance companies.

I do not know what you think, but perhaps instead of worrying about the demise of the world (most doom-mongers have decided on the year 2012 for the destruction of the world) we should work together to make the best of the time we have left on this planet, as well as ensuring that we pass the planet on to the next generation in the same condition as we received it.

If we act in this way, we may hold off the apocalypse for a long while yet. We are far more likely to suffer apocalypse through nuclear war, global warming and events which are preventable and within our control, than cosmic events which we have little control over such as asteroids or the Sun’s turning into a red dwarf and ultimately exploding.

Owen Jones, the writer of this article, writes on many topics, but is currently involved with custom wall calendars If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars

Predicting the end of the world has almost certainly been going on since man began thinking, whenever that was. It is warned about in Revelations in the Bible, so that must be about 2,000 years ago.

However, it is the predictions of Nostradamus that are the most well-known and most copious. Some biographical accounts of Nostradamus’ life assert that he was afraid of being victimized for heresy by the Inquisition, although neither prophecy nor astrology fell under their jurisdiction. He would have been in danger only if he had practiced magic to back up his predictions.

In fact, his contact with the Church as a prophet and a healer were always excellent. His brief imprisonment at Marignane in late 1561 came about purely because he had published his 1562 Almanac without the previous consent of a bishop, contravening a recent royal decree.

Here then are a couple of the prophesies of the ending of the world and the annihilation of mankind.

December 21st, 22nd or 23rd 2012 are all possible dates for the ending of the world according to the ancient Mayan Calendar.

2012 has been determined by some to be the first possible date for the passing by of Planet X (Wormwood) and the demise of the world, as mentioned in Revelations, although this is hotly debated by Biblical experts and astronomers alike.

2012 is also the year given by Nostradamus as the possible demise. He gave three possible years for the apocalypse: 1994 and 1998 so this is his last opportunity to be correct.

2010 is the year so says the Hermetic Order of Golden Dawn.

In 1143 St Malachy prophesied that there would be only another 112 more Popes. The current Pope Benedict is the 111th. He also predicted that the final Pope would be known as Peter of Rome, so we will have to wait and see for this one.

2017 is the year specified to the Sword of God Brotherhood by the Angel Gabriel.

November 13th 2026 is the date according to a 1960 edition of ‘Science’ magazine. The author alleged that this would be the day that the planet’s human population would ‘reach infinity’.

2033 is held by many to be the 2000th anniversary of the crucifixion of Christ and a potential date for his return, which would indicate the demise of our Earthly period.

4,500,000,000 AD is the approximate date at which the Sun is due to explode and in so doing, destroy the inner solar system including our Planet. Nobody knows, but unless we destroy ourselves first, this latter date is probably the most accurate and scientific date for the destruction of the planet.

Owen Jones, the author of this piece, writes on many subjects, but is currently involved with custom wall calendars If you have an interest in calendars, organizers or promotional calendars, please go over to our website now at Promotional Desk Calendars