Financial crisis is likely one of the plain outcome makers on our vivification these recent eld. We cognize that it has been constrained us in all operation of ways that we could imagine and it is not getting any fitter. With it a lot has been touched, if you wait at it in with a knifelike eye, we can see that from nutrient, security, gas and clothing, business crisis can impact it with big points. And with that being an number, existence protection companies are having a actress on deed their sort win screaky quotas. They are belike the greatest winners when there is economic upheaval, as they are benefiting from the financial crisis and incurvation in which group wants to firm and amended protect their assets when that reading comes.

According to The Mercantilism Accounting Article typewritten by Fiona Guard, there has been a 9.5% increase in tally premiums over the quondam period up until September 30. That product is relatively spot and if you try and study it, the Living insurers are real benefiting from the financial crisis and it has been a discipline consequence nonetheless. You impoverishment book? Wellspring, let me commit you whatsoever. How nearly 1.512 cardinal dollars? You impoverishment you impoverishment to see the add premiums for spiritedness contract policies, it is a big company compared from 1.381 1000000000 that they hold over that period. An estimated 21% amount in numbers for premiums with new mortal risks has been seen. It is roughly at 51.78 million dollars in gross. That is a superior class for new policies income, deal you.

With much of these drawing beingness crunched as the individual draws to a next. The synthetic conclusion to this is that the big increase of fill losing their jobs. Of direction grouping wants to modify protect their enterprise and loved ones by effort them secured and burglarproof finished the use of chronicle protection. The resistless financial crisis has hit bad and with it, people get. When that happens, the people who are impressed try to do what they can to guaranteed their finance or enterprise. Account insurance companies of instruction tries to benefit from this by gift premiums to grouping in essential of it and from there a overlarge signal give firework as solon and many group realizes the position.

Another abstract to really fix out is the health issues of group, with a lot of emphasize beingness sagittiform towards a lot of people, wellbeing can be an issue that they want to come. Therefore the use of chronicle insurance comes to a portrayal, in which to steady the forthcoming of these group. From emphasize and eudaemonia anything can befall and with that problems become, mortgages and bills won’t be professional and both author problems module commencement to stanch from that. And if you looking at it, it would real be fashionable to get lifetime contract to get secured. Health assay, enounce, scheme commotion all of which can point and wind to business crisis and with it being a general issue, the course of people getting insurance amount are hitting a shrill pock thusly feat into what many experts conceive a godsend in animation insurance. The stats don’t lie.

Much speech took localise in the mid 1970s nigh the diminishing presence of ozone in the stratosphere, and nearly the hazards specified reduction in ozone levels would necessitate. It was a bailiwick income for intellectual kindness.

It was found that the ozone apportion in the stratosphere, the part regulate of an alt reached by jet bomb, helps to enter out maximum quantity of the very venturous ultraviolet rays originating from the sun. There was distributed prospect that if the dilution out of the ozone layer were to preserve the assay of injure sign would gain untoward proportions. Also it was change that the enhanced danger to ultraviolet rays would cause wipeout of phytoplankton, the essential standard constituent of the man content formation, and also would hump an untoward core on mankind vegetation, especially the nutrient crops.

The accustomed insensitive ozone bed gift make out 90 – 99% of the venturous ultraviolet UV-B rays from accomplishment the Earth’s layer. Whatever remaining variants of ultraviolet rays commonly reach through the ozone bed, but fortuitously they are not dangerous to humankind.

Sherwood Rowland and Mario Molina, scientists of the Lincoln of Calif., Irvine, make postulated that releasing chlorofluorocarbons (CFCs) into the air faculty overcome ozone by triggering a chemical activity of promiscuous steps. They had publicised an article in the Nature publisher in 1974 which tense distributed fear. An investigating by yankee polity was commenced and the facts established by the research were confirmed in 1976. After two age, the Consumer Bingle Empowerment as symptomless as the Environmental Endorsement Office released an status prohibiting the use of CFCs as propellants in dispenser containers. Manufacturers followed match by employing environment-friendly deciding propellants for aerosol containers. The use of CFCs as refrigerants and also in dissolver shop was put to an end.

In the meantime Nation scientists stationed in Antarctica in the point 1975 – 85 noticed a play in the ozone stratum of the region and rumored almost this investigate in the Nature magazine’s May 1985 outlet. Reduction in the ozone layer’s thickness above Continent is common in season owing to minify temperatures and unchanging rain formations; but, the Nation scientists noted that the ozone bed was indeed unsealed up with a hollow, and the ozone was not replenished as familiar in spring/summer when temperatures became emotional.

This distortion titled the ‘ozone hole’ was a outstanding interest tight the assemblage of an socialism seminar in Metropolis hosted by the Amalgamate Nations. The vector discourses created the City Protocol – 1987, which imposed a timeframe termination in the gathering 2000, for phasing out CFCs, methyl haloform, carbon tetrachloride and halons for all advertisement purposes reasoned not constitutional.

The straightaway deed of the Montreal Prescript – 1987 has brought a most significant environmental change in the chronicle of the Connective. As now very few CFCs and separate ozone-destructive chemicals are existence emitted into the condition, the ozone stratum module be replenished by nature in due bed.

In 1995 the proximity of CFCs in the condition reached its extremum, and the ozone mess above Continent has not gone to worsened and has started to amount now. The ozone muddle had reached the size of the continent of North America. As the chemicals commonly hump a animation of 40 – 100 life in the air it is estimated by the scientists that the orotund natural replenishment of the ozone bed testament have piazza around the gathering 2070.

The scientists and the politicians the grouping over get the assets for the intelligent remembering of the close danger of ozone layer finish and for institution of unmediated procedures to pinch the depletion of the ozone resources in the status. As a outcome to the international cooperation the ozone income has been solved and the ozone place will get replenished over minute.

The subsequent prospect is that the circular cooperation module be enabled to conceptualize out, manage and return opposite environmental issues before they go out of skillfulness.

Financial crisis is probably one of the axiomatic touch makers on our lifetime these past eld. We cognize that it has been taken us in all operation of shipway that we could imagine and it is not effort any fitter. With it a lot has been impressed, if you sensing at it in with a piercing eye, we can see that from nutrient, reduction, gas and covering, financial crisis can affect it with big points. And with that being an release, beingness protection companies are having a globe on getting their sort attain screaky quotas. They are belike the biggest winners when there is scheme flutter, as they are benefiting from the financial crisis and concavity in which grouping wants to assured and ameliorate protect their assets when that instant comes.

According to The Commerce Brushup Article inscribed by Fiona Guard, there has been a 9.5% growth in add premiums over the bygone assemblage up until September 30. That signaling is relatively broad and if you try and dissect it, the Experience insurers are rattling benefiting from the business crisis and it has been a subject consequence nonetheless. You requisite numbers? Vessel, let me spring you both. How nigh 1.512 cardinal dollars? You necessity you requisite to see the unit premiums for sprightliness insurance policies, it is a big find compared from 1.381 1000000000000 that they tally over that second. An estimated 21% amount in numbers for premiums with new particular risks has been seen. It is approximately at 51.78 1000000 dollars in count. That is a lofty numerate for new policies income, nous you.

With overmuch of these numbers beingness crunched as the poop draws to a snuggled. The valid close to this is that the big gain of people losing their jobs. Of series grouping wants to outperform protect their commercialism and pet ones by deed them secured and fortified finished the use of lifetime protection. The intense financial crisis has hit hard and with it, grouping worsen. When that happens, the group who are struck try to do what they can to invulnerable their investment or job. Chronicle shelter companies of course tries to help from this by gift premiums to group in penury of it and from there a titanic company instrument lift as writer and writer fill realizes the place.

Another happening to rattling lie out is the welfare issues of group, with a lot of express existence sagittate towards a lot of group, eudaemonia can be an payoff that they impoverishment to direction. Hence the use of lifetime shelter comes to a personation, in which to firm the forthcoming of these people. From emphasise and upbeat anything can pass and with that problems become, mortgages and bills won’t be stipendiary and any more problems testament play to stem from that. And if you wait at it, it would real be hurt to get living shelter to get secured. Eudaemonia venture, show, scheme agitation all of which can peak and boost to financial crisis and with it existence a individual provision, the uprise of grouping feat insurance amount are touch a squeaking impression thus feat into what umpteen experts expect a roaring in account contract. The stats don’t lie.

The one big secret that the “so-called” masters of the internet do not want anyone to know is the topic for this story.

Internet marketing, while thought of as something that only big time geniuses and gurus are capable of, is quietly being done very effectively by average people every day. The good news is…one does not need to be a self-proclaimed legend, nor anything really special, to produce an effective marketing campaign on the net.

The emails that one receives by the tens of thousands per day about “jumping on board with me…I just made $10000 in one week…I own a Ferrari and snagged a 20 year old wife…” send shudders of “yeah right” up ones spine.

No hype is needed…no lying is needed…no system is needed…no program is needed…no promises are needed.

Sad but true fact is, that some of the so-called masters of the net are nothing more than modern day con-artists, hoping to milk some unsuspecting hard working person out of their money.

It’s seen every day. An average man or women has a dream of finding a product or service and getting out to the world via the internet, and desiring to make a lot of money…very easily and quickly…with little or no effort.

Is that possible…NO!

Waking up to that one fact will save one more money and heartache and time wasted than anything else!

God gives each person on this planet special talents and interests that no one else has. Talk about a niche market! By slowly and carefully beginning to explore that area of interest…and developing that interest to a substantial power…is what the internet can do.

No program…no scheme…no bs, hyped up, worn out, pack of lies will do that for anyone!

Successful internet marketing is nothing more than finding the right niche and then learning effective ways to get that out to the people. Its no mystery…its not even than difficult.

Having the desire and then willing to WORK is all that is required.

Walking steadily away from the hype and lies, and using the brains that God gives all, one will begin to learn how to grow a successful business online. There is no where today on this planet that holds more promise to live the way one chooses, to make some money, and to have the freedom that internet marketing can provide.

The journey is worth the effort and time. The good news about all this…one need not spend a fortune to accomplish these goals. People with very modest incomes can achieve great things by simply building every single day towards the goal of freedom.

Rule for the day…”If you do not want to work, stay away from internet marketing…stay with the job…you will do much better there…”

http://ButchHamilton.com

Living a spirit filled life, Butch Hamilton leads an incredible existence. Knowing first hand, secrets of life, a journey which he personally has been on for nine years, has led to an incredible understanding of how the universe operates.

His passion for writing has spanned 45 years, but only as of late has he dedicated himself again to the written word.

Owner of http://ButchHamilton.com a highly successful seo|sem company, enables Mr. Hamilton to successfully promote companies URLS to the tops of Google, Yahoo, and MSN.

“Life-What a Ride!”

Chili Con Corpses: A Supper Club Mystery by J. B. Stanley is a very tasty murder mystery. This is the third of a series appropriately named “The Supper Club Mystery”. I must say that the premise of the book, literally written around a group of friends who call themselves the “Flab Five” and love to cook, reminds me a lot of Diane Mott Richardson’s books.

For those of you who have not had the privilege to read either Richardson or Stanley, they write about people who in someway love food, get involved in solving murders of people they know and throw in tasty recipes and fun food facts to try.

In Stanley’s Chili Con Corpses, Lindy gets the other four members interested in taking their love of cooking to a cooking class on Mexican cuisine. All five have been working an entire summer at losing weight and toning up and she feels they need to have one night a week to “let loose”.

They all agree this would be a fun distraction and jump right in. When they get there, a few others are involved in the class-a spunky reporter who has always liked James (one of the flab five), her twin model-beautiful and smart friends and one of their boyfriends. Lucy, a third member of the cooking club, has been having a romance of sorts with James, but suddenly has turned as chilly as a margarita. For James, the bean dip and cerveza is a welcome distraction from his relationship woes.

The leader of the class is a spunky and charismatic older woman who adds the right amount of motherly spice to not only the book but to James’ father’s existence. This is but a small little side dish of a story.

Unfortunately, as with all murder mysteries, someone gets killed. In this case, Lindy-an art teacher in the local school district-sets up a field trip and enlists all the supper club and some of the school’s staff as chaperones for the event held in the local caverns. Two of the staff members are her school principal (whom she has very strong physical feelings for) and one of the body beautiful twins from the cooking class.

An odd chaperone calling himself the grandfather of one of the students comes along.

Before you know it-the twin is found murdered by two of the students and Lindy. The odd grandfather has disappeared. Lindy admits to the police that she inadvertently threatened to kill the twin. Seems she thought the young woman would try flirting with the principal and Lindy said loud enough in a public place that she’d “kill anyone who tries to get a date with him before I do”

The spunky and beautiful reporter and James come together to figure out who killed one twin and then tried to murder the other. The rest of the “flab five” all have their own assignments to help figure out just who and why someone would kill a relative new-comer to the town.

Chili con Corpses is a really quick and tasty novel. The first of the series is entitled A Killer Collection and the second was Carbs and Cadavers.

As for the author J. B. Stanley is a former middle school teacher who has also dabbled in the world of antiques and collectibles-even having articles published in Antiqueweek.

Carine Nadel is on The Reader’s Advisory Panel of Woman’s Day magazine and has had numerous articles and recipes published both on various websites and print publications. To read more of her work, log onto: http://www.Carine-whatscooking.blogspot.com

Premium financing is a process wherein the permanent life insurance policy premiums are being paid by some of the third parties or third party lenders and it is an excellent marketing idea. In other words it can also be put forward as premium financing is a process which aims to increase your insurance needs by the method of financing the insurance. Thus premium financing enables individuals, business firms and the large companies to purchase the insurance without having to sell or lock up the various assets.

The working of the premium financing works in the following way consider for example you are owning an insurance policy worth X amount of dollars and you can use the value of your insurance policy as a mode of collateral security which will enable you to finance other insurance policies. Thus in this way premium financing allows you with a wide range of insurance options open to you. There is no doubt that premium financing is very much cost effective. It is a very favorable financing option as you can secure a huge loan amount against the life insurance policy. It is quite important to understand that you are going to get a much better option or in other words you will get much better rate of interest and the term of loan for the secured and the unsecured financing.

However it is important that before getting a premium financing option you need to have a look at your financial needs and get proper advice before you go on with a financing option. There is this one question which many people have as to will it be required for them to purchase a new insurance policy or can they get the service of premium financing on their existing insurance policies. Well the answer to this simple question would be that at the time the practice of premium financing came into existence it was a requirement that you will have to purchase new insurance policies, but now this is not the case as you can get this option of premium financing on your existing insurance policy and there is no requirement for you to take the strain of going for a new insurance policy. This will again provide you with a very much better option that would not ask for your valuable possessions to be given as collateral security.

Some other people who really take the benefit of premium financing are the wealthy investors or the business owners. It is an extremely good option for the companies that do not want to tie up their assets to purchase the large amount of insurance policies. It is also a technique which is offered for the employees to be offered as a part of their wages. It allows the firms to attract new employees and help them retain their valuable employees. Premium financing is also used as a technique for estate planning, company expansion, attracting new employees and retaining their valuable employees.

Cathrine is a SEO Copywriter of Premium Financing. She has written many articles on Premium finance service, Life Settlement Broker, Life insurance settlements, …etc. For more information visit: Premium Finance or email us at lumlaatseg@live.com

Introduction

Before I begin I feel I must first explain why I have labeled this a theory rather than a hypothesis. This is because I am sure that enough evidence exists to prove my hypothesis. A large part of this evidence comes from recent experiments using clocks on earth vs above the earth. I also believe that my arguments are logically sound, and that a reasonable human being would consider it possible rather than dismissing it outright. It is within the logical framework of this paper that my theory of time will find its way into the minds of its readers. “Scientific facts could not exist without first considering the possibilities”.

Theory of Time

We view our world based on three distinct planes which are; 1) The line, 2) The plane, and 3) The 3 dimensional object or the third dimension. The fourth dimension has been overwhelmingly and conveniently lumped into one category, that of the fourth dimension; known as time. I maintain that time is not the fourth dimension. Time is only a measuring device, a concept for us to measure the motion of an object. Well, I say motion and time are more related than we think.

I know that there are many who would point to certain perceived events in science as proof that time truly exists as a physical thing. Perhaps none more importantly than the perceived differences between a clock on earth and a clock in space. The belief is that two clocks set to exactly the same time will not read the same time once one of the two clocks is placed in orbit above the earth. The clock above the earth runs slower than the clock back on earth and therefor; it is assumed that we are seeing a physical manifestation of time. Evidence that time exists as a thing rather than a concept. I can understand how that conclusion could be made. Another experiment took place where an atomic clock on a jet was synchronized to another atomic clock back on the ground. As the jet flew through the sky, the atomic clock on board appeared to slow down the faster the jet went. As if time itself slows down the faster you go. It is true that the clock does slow, and it is also true that a clock in space also displays a discrepancy in time. I wonder what a clock on Jupiter would read? My point is that outside forces are responsible for these differences and not the proof of “Time Dilation”.

It is true that these time instruments do show a discrepancy, but did we not learn anything from Albert Einstein? He was most definitely correct about relativity, of this I am sure. That being said, he did suffer from the same concept of time that an overwhelming majority of people seem to share. I point to one of the more famous explanations of Einstein’s concept of time. If a subject is standing near a clock and then suddenly accelerates away from the clock at a tremendous speed, he or she would perceive time as standing still. Now, this concept logically seems to make sense, many things do that turn out not to be true. At the same time history is full of instances where a thought that appeared to be anything but true, turned out to be scientific fact. Einstein was a brilliant man and I take nothing away from his major contributions to science. I would have liked to have asked Einstein this one question,”If a blind man standing near a clock were to accelerate away from that clock, what would he perceive”? His eyes would not tell him anything. My point is that perceptions can sometimes be mistaken. Relativity itself proves this. The fallacy can occur with logic as well. If I were to fly towards the sun at 20,000 miles per second, would I not be traveling back in time” Since it takes light from the sun roughly 8 minutes to reach the earth, I would be traveling back in time. Clearly not, but my point is this; we must utilize a combination of perception, conception, and testing in order to gain a clear picture of reality. Visual evidence can be misleading; just ask any good magician.

The discrepancy between the clocks in the two examples I described before do occur but for different reasons. Gravity on the earth effects the clock on the earth differently relative to the clock that is experiencing less gravity in orbit around the earth. The atmosphere of the earth also has an effect on the clock left on earth relative to a clock in orbit above the earth. What about the jet? In the case of the jet we have gravity, inertia, as well as the atmosphere exerting an influence over the clock. The stationary clock on the ground is not experiencing inertial forces. It is experiencing slightly more gravity and atmospheric pressure. What I am saying is that, “It does not matter whether you synchronize the clocks, use atomic clocks, or any other kind of clock. The fact of the matter is that both instruments are undergoing different degrees of forces acting upon them and therefore; will cause each clock to run at different rates. Even an atomic clock would not be sheltered from these outside influences. This is the concept that exists at the very heart of relativity. It often leaves me wondering this; if you stood two synchronized clocks side by side, would they eventually read differently if given millions or even billions of years. This notion would have to take into account that the environment around the two time pieces would have to remain constant and unchanging during that entire event? Unfortunately there would be no way to test this, because we would never be able to set up such a controlled experiment; while having the experiment remain unaffected for the necessary amount of time. I also often wonder what would happen to two clocks occupying the same place at the same exact time? Do not confuse this with the same matter occupying the same space at the same time. What I mean is two clocks made of the same material, but different matter somehow occupying the same space at the same time. Both of these clocks would then read the same forever if they are in sync, because they will exist under the exact same conditions. Of course now we would have to somehow shelter each time piece from influencing each other and even if we could manage to do that the time pieces would still read differently over time simply based on the different events occurring between the matter contained within each clock. This includes minute and undetectable design flaws, minute differences, etc.

I cannot say what exactly leads to the discrepancy between time pieces in Einstein’s theory of Time Dilation. What I am saying, is that the reasons attributed to the perceived events has lead to the wrong conclusions. You can run the test over and over as many times as you like and you will end up with the same results. The experiment is reproducible, with the same outcome every time. This is what being scientifically proven is all about. Most of the time it remains true. The experiment must be testable, repeatable, and have the same results to prove a scientific fact. In this instance, however; we have come to the wrong conclusions. The end results of each experiment appear to be the same, because the circumstances with which the experiments are conducted are relatively the same. The same forces on board a jet will be relatively the same, with any changes remaining undetectable. In the case of the atomic clock, it is so precise that we could never detect a difference unless the conditions were as different as Pluto and mars. On earth clocks are influenced by the same forces, in space, etc. etc. Any differences on influences at the molecular level remaining undetectable and therefor unnoticed.

What I propose, is that it is not a matter of time dilation; since time is not an actual thing. As I said before, it is a ruler for measuring events. If an object were to accelerate towards the speed of light, time does not slow down. The event in which that object is experiencing is happening more quickly relative to other events. Just as a car traveling at 20 mph will take longer to get from point A to point B, than a car traveling at 100 mph. The faster car will get there first. They arrive at their destination at 10:00 am and wait. It is still 10:00 am in the slower car, they just happen to still be driving to point B. Time was not affected, because time is not a thing. It is not tangible, and there is no time particle or wave.

As an object approaches the speed of light it is believed that it will be shredded into pure energy when it reaches peak velocity. I certainly would want to be 100% sure of what would happen before I undertook that experiment. If this object traveled at a speed that allowed it to remain intact, from the earth to the next star and back; what would happen? Lets say the object was traveling at 125,000 miles per second. This means that the object would travel that distance each second. Let’s say the object we are traveling to is 1 trillion miles away.

So we divide 1 trillion miles by 125,000 miles and we get an answerer of:

8,000,000 seconds. 8,000,000 seconds = 133,333.33…minutes = 2,222.22…hours =

92.592… days = How long they will be gone according to earth time.

I am sitting on Earth with a stop watch; waiting patiently for their return. This of course will take another 92.592… days. Round trip they will be gone for 185.185…days before they return to earth. After which time I will ask,”What took them sooooooooo long”?!

Now I know that many who read this may disagree. The common accepted result would be that time would seem to stop for that person, while time back on earth would go soooooooo much faster. Years will have gone by when they return and they will perceive only being gone for the 185 days. This is just not so. Just as a person traveling on a jet from Maine to Florida will get there quicker, than someone driving to Florida from Maine in a car. They will both perceive the passage of time exactly the same. Five hours EST is five hours EST. This is because we have based our units of time measurement on the Earth’s motions. The Earth takes 24 hours to make one revolution, because that is simply how we broke down that event. We could have just as easily broken it up into some other number or unit, rounded if necessary, and then break that scale up into further appropriate units. The fact is that we chose 24 hrs. and it is all we know. Its no different than the millions of people, whom belong to a certain religion; simply based upon where they were born, and who they were born to. Methods and conceptions are passed down from one generation to the next and suddenly the Earth is no longer flat.

The fact remains that, based on the motion of the Earth, our fictional ship will take 185 days to make a round trip; and they will have been gone for 185 days here on earth as well. It does not matter what a clock on that ship says. It is undergoing influences outside of the Earth’s influence. The clock on Earth works accurately, because it was built to keep time on our planet. If we take this same clock off of this planet, then it is no longer an effective tool. That is, unless it is calibrated to work appropriately in its new environment. We can take a clock to mars and use it to keep track of time on Mars, but that time will be based on Earth time, and not Mars time. We will measure the motions of Mars in Earth units. The same is true of anywhere else out in space. Unless there is an exact twin of the Earth out there; one where the gravity, atmospheric pressure, revolution, travel around its star, and so forth is the same; then our “earth based event instrument” (clock) is useless. Either any time we keep track of with it will be based on earth time units, or the clock will not function properly depending on the environment and the forces acting upon it. We can; however, calibrate our earth instrument to handle a new environment. We can also take those earth based units, time our subject, and then present that information in earth time. A day on mars would be represented as taking 1 hr 37 min ETU (Earth Time Units).

Everything in the universe, relative to earth time, takes the same exact amount of time. One event may take place faster than another event, but it takes the same amount of time relative to the events around it. If humanity evolved on some other planet then it is highly likely that our whole system of time keeping would be completely different. Time on this new planet would be based upon that planets motions around its star. Or perhaps our time units would be based on something else entirely. If there is intelligent life out there in the universe, then it is going to be really interesting to hear their concepts, and methods of time keeping. This is assuming that we will even be able to understand their method of time keeping. If we can then it will simply be a matter of figuring out the unit to unit ratios. One earth year would equal some unit of their time keeping method and so forth. This would also work in reverse. They would convert our ETUs into their own units of time.

I have tried my best to convey my conception of time up to this point. Once you have a clear grasp of the logic of time, then my theory of time, will become perfectly clear.
Consider this:

If we view our world in 3 dimensions, why can we not then view time in the same manner. Let us build a simple model of the reality we live in. First, I maintain that the fourth dimension, that of time, also contains dimensions that need to be considered for us to have a true grasp on the concept of what time really and truly is. Consider a void where nothing exists. No matter what so ever. No motion, no atoms, absolutely and completely nothing. Now consider that a line miraculously comes into existence. This line represents the first dimension. The line then evolves, for the sake of analogy, into a planar circle. Ta dah! Now comes the age of the second dimension. Now imagine that this circular plane expands into the third dimension and becomes what is known as a sphere. Now, keep in mind that up until this moment time does not exist. Time involves motion and nothing has moved, up until this point. The object has evolved through the known and accepted 3 dimensions, but it remains in the same place. It cannot be cut up into smaller parts, this is the smallest singular object in a universe of nothingness. So, where does time come in? At the very moment that I asked that question the sphere began to move forward through nothingness on a straight path. The very instant that this sphere began to move forward the fourth dimension of time was born into existence. This is the first motion of time.

Let us label the dimensions we have so far to paint a clear picture.

Dimensions

1) The first dimension = the line

2) The second dimension = the circular plane

3) The third dimension = the sphere

4) The fourth dimension = motion of the sphere in one direction

Now, I know energy must be applied to the sphere to put it into motion so in reality two dimensions of time are born into existence according to my theory and I will explain what I mean by that shortly.

This sphere traveling on this straight line would need energy, some outside acting force to send it in motion, but we are assuming it just began to move forward of its own free will. Now let us consider that this sphere suddenly begins to spin as it moves forward. At this point we have the existence of the fifth dimension.

5) The fifth dimension = motion forward + motion of spin

Now let us consider that this sphere, which is moving forward and spinning, develops a wobble. At this instance the sixth dimension of time has come into existence.

6) The sixth dimension = motion forward + motion of spin + motion of wobble

Finally we will consider the motion of the pulse. As this sphere moves forward, spins, and wobbles, it also begins to pulse. Expanding outward and inward at an indeterminate rate. We really don’t need to know the rate, we only need to consider the fact that it is pulsing.

7) The seventh dimension = motion forward + motion of spin + motion of wobble + motion of pulse

When considering all of this we can conclude that time is, in reality, composed of four dimensions of time. So, what we have are the dimensions of the object composed of 3 dimensions and we have the dimension of time composed of four dimensions of time. There are two parent categories contain sub categories as follows;

Dimensions of Object: The line, the plane, and the object of the third dimension…which is determined by plane…which is determined by the line.

Dimensions of Time: The motion forward, the spin, the wobble, and the pulse.

I want to mention a few more things about the four dimensions of time. First, I have only listed four, because I cannot conceive of any more motions that one object can have without tearing itself apart. Second, once we understand these four dimensions of time, and if they are the only dimensions of time, we may discover what lies beyond these dimensions. It is important to not that the pulse may come first. The second energy is applied to the sphere, that energy moves from the back to the front of the object. This wave of energy that propagates through the sphere causes the back end to initially be moving faster than the front. This will cause the sphere to begin its spin motion. At the same time, this object is also pulsing as the energy begins to reverberate through the object. This could also lead to the wobble as well. So, in reality, all four dimensions of time can all occur at relatively the same instant.

Now, where can we find examples of this in our reality that would lend credence to the theory I have put forth. Well, we can look to the largest objects in the universe. Stars being the largest and the planets that revolve around those stars. We will start close to home. The earth is a 3 dimensional sphere. It is not a perfect sphere but it is a sphere none the less. Let us look at the motion of the earth. It is moving in a line, one direction, around the sun and accounts for our year. As it does so it also is spinning, which accounts for our days. The earth also does wobble, over a span of a few hundred years I believe…you might want to check the time but i assure you that it does wobble. The remaining question is; “Does the earth pulse?” It might, I do not know if anyone has ever looked into that. I am sure that it may be possible, especially when you consider the earth has a liquid outer core. We can look to many of the planets out there and find the same motions. Whether they are more common or not, I do not know. It may be natural for these motions of time to all be found emanating from one object, but gravitational forces from other celestial bodies may change these motions in certain ways. This question needs more consideration.

The sun spins, it is moving in a straight line as a part of the milky way. I do not know if it wobbles or pulses. My point is that many of the celestial bodies abide by these dimensional paths i have laid out. Our own galaxy is moving in a straight line. Does it rotate? It does and that is why it is classified as a spiral galaxy. Does it wobble and pulse? I wouldn’t even dare to say. For that we would need to study the motions of other galaxies like our own. Then we have to consider that on that scale, can we observe those motions that may take hundreds of thousands or even millions of years? Clearly there are questions to be asked.

I would like to point out that these motions only apply to matter. I have yet to consider energy, but these dimensions of time I have described thus far give us the understanding necessary to consider energy events. Perhaps the 8th dimension is an energy dimension that is based on the standing wave. The 9th dimension entails a second wave at a right angle to the first (light wave). Could this light wave rotate? Yes, I believe it can. Can it pulsate? Again, yes it can. This would have to entail a fluctuation in wave length. Can it also wobble as well? Funky, but if light is bent passing by an intense gravitational field then perhaps other forces could cause a wave to wobble as well. This of course would lead us to three more time dimensions. Perhaps the standing wave represents the first dimension of energy, with the second right angle wave being the second dimension of energy. Just as solid matter has dimensions with no motion then could a wave? No, because a wave is only a wave if in motion. I would even go so far as to wonder whether or not we need to consider energy evolving into matter? For a vision of this we can look at string theory and the concept of strings. Perhaps light can evolve into a sub particle, which leads to the proton, neutron, electron, which leads to elements, and so forth. In this case we would have to consider the first five dimensions as energy dimensions which then lead to the next three physical dimensions. I would break this up into groupings of energy dimensions/ energy time dimensions, physical dimensions, and finally physical time dimensions. This would lead us to the reality we know today.

This theory does not exclude the possibility of traveling moving back and forth through different states of the universe (Time Travel). It may be as simple as calculating where the earth was at some exact point in space and then tearing a hole between there and the point in space in which the earth is now. Perhaps if we travel faster than the earth around the sun in the opposite direction we would go back in time. It does not work that way, but logically it would make sense. The key factor here may be the dimensions of time. It is not just enough to orbit the sun in the opposite direction faster than the earth. We also have to take into account the revolution of the earth, wobble, etc. This would lead one to the conclusion that in order to “Time Travel” you would have to figure out a way to account for all the motions of time relative to the two points you wish to travel between. The same would hold true for moving ahead to future events. Yes, I said future. The past, present, and future are simply concepts that we use to grasp events that have taken place, events happening now, and events that could possibly occur in the future. We would then have to assume that either all events that ever will occur have occurred, or the traveler creates the future up to the exact point they visit. Somehow they would skip over all of the events in between and appear at a specified point in a future present. In this process you would have to calculate the position of the earth at some point in the future based upon current rates of earth events. This would be like forecasting and the further you go the less accurate the destination. If you calculated for 10 earth trips around the sun, that would be more accurate than say 10,000 earth trips around the sun. This would be true for both future travel possibilities. In reality the only thing that truly exists is the present. Every event taking place is constantly occurring in the present. I am writing this now, still now, now, now, still hasn’t changed. We live in the present which is a universe where things are in motion and interacting. We make sense of this with the concept of Time and a past, present, and future. I am not stating that this sort of travel is possible, only that it may be possible.

Conclusion

I have brought you all as far as i have come with my considerations. However; i believe in this theory that I have presented to the readers. I believe in it 100%. I feel i have laid out a road map for the rest of the scientific community and even humanity to consider. We do not simply have 3 separate dimensions, and then one fourth dimension of time. In order to truly understand the universe we live in, we must come to the realization that time is composed of dimensions as well. The dimensions of motion. Once and hopefully when this theory is embraced, it may open up a new understanding of the reality we exist in. This theory is about “Events” and not about the tools, or methods we use to measure those events.

C 3/31/2008 by Dennis James Huff

All new money, around 7% growth annually, is ‘borrowed’ into existence at interest. It is interest debt that that gives money its bad name. Increases in borrowing are largely equivalent to income and sales taxes. In general terms, we borrow only to pay our taxes. Taxes, then, must be the root of all Evil.

The latest financial meltdown in America is evidence enough that our present financial/banking system is not working. Not only is it not working, it is threatening to destroy the very fabric of our modern, industrialized civilization.

Today’s western culture and industry has many critics. The present system seems to produce unfair distributions of opportunity and wealth, seems to waste precious non-renewable resources, and clearly disenfranchises minority aboriginal native populations.

And perhaps the worst aspect of all is the way that our present political/economic system allows small but very wealthy special interest groups to dictate government policy; policy that extends throughout all spectrums of society, and that is perpetuated by the same special interest groups’ control of the major media.

Those special interest groups have one thing in common: they control the world’s money supply. It is little wonder that they now control the world’s wealth.

Thus, it is not surprising that the masses of citizens around the world not only do not know what ‘the answer’ is, they don’t even know what the ‘question’ is; because it has never been expressed by our puppet politicians, media platoon leaders, or carefully manipulated educators.

That is not to say that we have not achieved wondrous miracles of advancement in all levels of technology, because we clearly have. It is to say that those gains have occurred in spite of the obstacles restraining those advances. I would also suggest that those gains, impressive as they may appear, are fragile and easily lost should the economic house of cards built around them suddenly collapse.

Intermixed in the brew of modern civilization lies a poisonous economic lie that threatens to destroy all the social gains of the last several hundred years, like a greedy and hungry parasite destined to destroy its own host.

This malignant cancer feeds itself upon the provision of taxes extracted from the sweat and blood of our peoples. It doles out copious amounts of blood money to those minions and underlings who would do its bidding in maintaining the status quo. It steadily heaps upon the broken shoulders of its workers an ever increasing mountain of debt; debt that is taken on only because we try to pay our taxes. It even enslaves the unborn amongst us, ensuring that they will be born already shackled to the debt burden of the fathers.

Unless we can reveal and embrace the truth, and activate the people to regain that which has been through deceit and slight of hand taken from them, all is lost. The present financial turmoil in America may be the beginning of the end.

Taxes do not and cannot work to facilitate a fair and more equitable distribution of opportunity and resources. Income taxes, company taxes, wage taxes, sales taxes, and a host of other taxes too numerous to list are each built upon illusion and lies.

Gifting the United States banking centers $700 billion is not going to unburden the yoke of debt slavery carried by the common man. Inevitably, this will cause taxes to go up, the value of our hard earned money to diminish, and the cost of goods to rise even more.

Abraham Lincoln understood the simple answer 150 years ago. ‘The government should create, issue, and circulate all the currency and credit needed to satisfy the spending power of the Government and the buying power of consumers…The privilege of creating and issuing money is not only the supreme prerogative of Government, but it is the Government’s greatest creative opportunity…By the adoption of these principles, the long-felt want for a uniform medium will be satisfied. The taxpayers will be saved immense sums of interest. The financing of all public enterprises, and the conduct of the Treasury will become matters of practical administration. Money will cease to be master and become the servant of humanity.’ (taken from ‘The Money Masters’, by Carmack and Still, 1998).

It is possible to remove the taxes that force the common man to engage in debt slavery, mortgaging his soul to bankers.

It is possible for the US government to create its own interest-free money, and use that new money to fund all needed government services.

Thus, it is possible to remove the need to borrow for most citizens; provide an adequate and low interest source of development finance for entrepreneurs; and embrace a new real sovereignty in which Americans actually own their own money supply.

How many more Americans need die before this truth becomes self-evident?

For more unpopular economic, political, and social truths, go to http://www.truthaboutax.com

Carl Peterson may be the foremost world expert on world economics, being the first to recognize the direct links between taxation, usury, environmental destruction, ongoing warfare, and the diabolical way all new money is created by a well entrenched banking monopoly. His recent book describing a no-tax alternative, “The Zen of No Tax” is available through his personal website http://www.truthaboutax.com.

There is no need to use the many middleman websites you will find via a search engine. Most of these are *bogus*, even the slick-looking ones. More and more banks are offering offshore bank accounts direct. Just get a list of banks in the country you’re interested in, and go to their web sites.

See the Google Open Directory here:

http://directory.google.com/Top/Business/Financial_Services/Banking_Services/Banks_and_Institutions/

and here:

http://directory.google.com/Top/Business/Financial_Services/Banking_Services/Banks_and_Institutions/Regional/

and the list at EscapeArtist.Com http://www.escapeartist.com/offshore3/banks.htm.

Opening an offshore bank account is like opening one in your high street; meet their criteria, and you’re in. The only difference is you’re not there in person.

The first thing is to find out whether they will accept citizens or residents of your country. For example, Swiss banks tend not to want US customers; they don’t want the hassle from the IRS.

You will need to prove your identity, and the legal existence of your company, if you wish to open an account for it.

If applying by mail, DO NOT PART WITH ORIGINAL DOCUMENTS. Get copies notarised by a notary public. Originals can be used for fraud or identity theft. Or they can get lost.

A Notary Public is a public officer commissioned by the State to perform notarial acts. A Notary is an impartial witness. The notary is empowered to issue an apostille.

Apostille – Is a method of certifying a document for use in another country pursuant to the 1961 Hague Convention. With this certification by apostille, a document is entitled to recognition in the country of intended use, and no certification or legalization by the embassy or consulate of the foreign country where the document is to be used is required.

In practice this means you provide evidence to this man that you are who you say you are, and/or that your company is what you say it is. You take an oath on the Bible. That’s right, it’s not a joke.

Due diligence: Banks need to show they have checked who their customers are, and how they came by their money.

Passport – If you apply by post a notarised copy is needed;

Information about yourself – name, date of birth, address, phone number etc.

Your economic background – documents showing how you earn your money (work contract, bank statement, tax return, company documents);

Origin of your deposits – documents showing how you earned them. If you sell a house, proof of the sale, a copy of the estate agent’s listing, and so on;

Information about your deposits – how much you plan to deposit, and what you plan to do with the money once you’ve banked it.

If opening a company account, you send an apostilled copy of the certificate of incorporation to the bank providing your account, along with evidence of your identity, an application form, and any other documents they ask for.

If you want to get an offshore bank account, *consider visiting the bank in person*. If you can, travel to the country in question, and open a bank account there. You probably live near one tax haven at least. This especially applies if you are planning to deposit large sums; find out who you’re dealing with!

NOTES:

1. Don’t pay a middleman to open a bank account for you. See above.

2. Do not use services which offer bank accounts in Eastern European countries.

You are likely to be cheated, possibly by the bank itself. Avoid Latvia!

3. Do not give anyone Power Of Attorney.

You can kiss your money goodbye. You may have legitimate reasons for not wishing to broadcast what you’re doing. The problem is: *How can you obscure that you are the owner of the company, or bank account, without losing control of it?*

Don’t get too clever, or too greedy.

4. Avoid web sites where:

The business address is a P.O. Box, or a ‘Suite’;

The site is on a free web host;

The site is badly translated into English;

You have the sense you are dealing with Africans or Eastern Europeans;

The site has not been updated recently e.g. the Copyright reads 2001;

They’ve only been running for a few years;

They offer a range of dubious products – second passports, citizenships, anonymous debit cards;

You cannot pay via credit card – it’s much harder to get refunds on banker’s drafts, Western Union and e-Gold etc;

They require you sign a confidentiality agreement, or you have the sense you are entering quasi-legal or illegal territory.

Bogus offshore banking sites can threaten to report you to your tax authority if you question their methods. It’s an old con trick; get the mark involved in something illegal, then he can’t go to the authorities.

Offshore bank accounts and company formations are just like their onshore equivalents; there’s no big mystery about them. If you want a company formation, contact a local registration agent, who speaks English, in the country of registration. Then use another local agent to check what the first one’s done.

Open your bank account yourself.

One last thing: *don’t think that because your bank account and company are offshore you can do business in your home country, and/or with fellow residents, and avoid taxes there*.

You’ll find plenty of websites that’ll purport to help you, right up until the time you get a small brown envelope from your country’s tax inspectors, inviting you in for a little chat.

About the author: T. O’ Donnell (http://www.tigertom.net) is an ecommerce consultant and offshore banking adviser in London, UK.

You’ve felt it. We all have. A brief walk-through gives you a sense, a feel, for how an organization functions. You don’t have distinct, defined reasons for those feelings. You only know that you already understand something about how that company or business operates.

This functioning has been labeled organizational culture. Each one is as distinct and personal as an ethnic or a family culture. They vary among organizations and are determined by the ways in which their members interact, decisions are made, and rewards are given.

Individual success within these structures depends upon the ability to identify the clues that categorize the people, moods and emotions that are part of the culture. Here is my own system for looking at an organization based upon the roles that its members choose to fill. Much as players in a theatrical performance, individuals determine how they will cope by exhibiting the traits inherent in one of six roles.

The presence of these role players and their degree of proliferation provide insights into the workings of any organization. By understanding the culture, strategies can be developed to target important issues, improve communications, and make needed changes. Keep in mind these three observations:

The person at the top of the organization sets the tone for the way in which the entire organization functions. Leaders imprint their organizations with values, beliefs and operational philosophies. A brief conversation with the person at the top will tell you much about how all levels of the organization think and feel.

Someone within the organization has the solution to every perceived organizational problem. How can you come up with solutions in relatively short periods of time? Ask the person who is closest to the problem and who already partnership the answer. Often, that person has been waiting to share this information with a decision-maker, but no one has asked.

An organization’s work distribution and communication channels adapt to the individuals who join and leave the organization. Realizing the importance of formalized job descriptions to many companies, you have probably seen descriptions that were written in the not-too-distant past, but which no longer apply because staff changes have taken place. Organizations are living, growing entities. As the people within develop and mature, come and go, the internal channels are revised. With these Observations in mind, here are the six Players in an organizational culture.

Power Players regard the organization as a battleground with control viewed as “winning.” They see most interactions as win-lose situations and try to maximize their wins. Any compromises are made with an eye toward turning the concessions into future victories. They regard new people and ideas as opportunities for combat. Power Players will buy into someone else’s changes, but will try to claim the changes as their own innovations.

Gatekeepers see the organization as exchanges of information and intrigues. He or she who gathers and channels the most of both is in control. As with Power Players, Gatekeepers like to win, but view their partnership in more subtle terms. They allow others to fight their battles by selectively releasing information to those individuals who will create the outcomes the Gatekeepers desire.

Mentors like to take others under their wings and share information about the organization. They are willing to teach new members how to work within the structure and to maximize results. Mentors encourage people to return to them so both sides can ask questions and share current information. They play win-win and judge the culture by the harmony which coworkers exude.

Peers perceive all members of an organization as being equal. From the top to the bottom of the structure, they see everyone as being in the same boat and succeeding or failing together. As a result, they are free with their flow of information and make no distinctions about who should be involved in the decision-making. Peers believe every person should have a voice in how the organization is run.

Workers schedule their daily tax based upon what they know will come across their desks or into their realms of responsibility. Their comfort is in routines they have learned and within which they perform extremely well. They are content to march in the same direction with the same cadence that has proven to be successful in the past. No organization has ever been hurt by a true Worker. Yet, very few have ever had their ideas implemented because they will take “no” for an answer.

Gliders do enough to get by and little else. They consider the organization to be something which must be endured to make it through life, but don’t want to rock the boat lest they put themselves into a position in which more may be required of them. They play neither win-lose nor win-win because they simply don’t want to get involved in the game. Gliders want to be left alone and don’t care if they are regarded as outsiders.

An organization may have all or nearly all of these Players present, but it is the authority and influence of each that predicts how the organization functions. These six Players determine the existence of one of three main Cultures based upon the prevalent attitudes of the individuals.

CONTROL CULTURE – Power Players and Gatekeepers emphasize control. Organizations that have an abundance of these Players in higher positions operate in a highly competitive culture. Dominant personalities are rewarded, promoted and seen as the norm during interpersonal encounters.

COMMUNICATIONS CULTURE – Mentors and Peers focus on communications. When these Players permeate the management of an organization, information flows smoothly. The culture is one that fosters personal growth and readily accepts the need for change. Job titles are not as important as the people who hold these titles.

CONTENTMENT CULTURE – Workers and Gliders at the management level are totally agreeable to operating in a culture of contentment. Very few new ideas are implemented. Those that are have been tried and perfected by other organizations first, ensuring they are safe and will not jeopardize the status quo.

In the marketplace of the 21st century, ideas must be exchanged easily and effectively. As a product reaches the consumer, it is already obsolete and in the process of being replaced by one, two or three new generations of the same product. The only culture that can consistently support this fast-paced environment is the Communications Culture. This means that successful organizations must foster the development of Mentors and Peers to ensure long-term viability.

The new millennium is here. Organizations that look at themselves, understand their culture, and tweak the dials to improve performance, will assume the leadership positions in our global marketplace.

Copyright, 2008 Management Strategies, Inc.

For over two-and-a-half decades, Jack Pachuta assisted people in becoming better communicators, negotiators and team players. In addition to working in radio and cable television, Jack was the vice president of training and communications for a company named one of Forbes Magazine’s “200 Best Small Companies.” Currently, he is the owner of Management Strategies, Inc. in Cedarburg, Wisconsin, a training and professional speaking company.

Holding masters degrees from both the University of Southern California and Michigan State University, Jack’s clients have included ShopKo Stores, Jockey International, Maytag, Kaytee Products, Simplicity Manufacturing, The Asia Pacific Institute for Management Development in Singapore, Thomson Audio Products Hong Kong, Multi-Finance of Athens, Greece, and Connex of Romania.

He is an adjunct faculty member of Cardinal Stritch University, and a senior faculty member of the Keller Graduate School of Management and a professional faculty member of the University of Phoenix.