My experience with Chase Bank, financial institution in the 1980’s and 1990’s.

Chase may have changed since my experience with this bank or financial institution. But when I was banking with Chase customer service was terrible, rude, and totally ridgid in their conflict resolution policies. Very black and white and inflexible. Not at all human no exceptions either. I prefer to do business with people and businesses who understand the human condition and make exceptions because shit happens, not every situation can be dealt with the same ridgid inflexible rules. Narrow minded people really suck but when it’s a businesses policies that are rigid and inflexible it doesn’t make for good business, satisfied customers and good business edicate! Chase was black n white, had strict policies and everyone I ever had contact with at that bank were trained to adamantly stick to their policies, no exceptions or extenuating circumstances made any difference. Robots!
Perhaps Chase’s policies have evolved since then and their Representatives are actually 98.6 and realize there are certain things in this world that aren’t that black or white and our human condition is grey. There must be exceptions made and understanding given for after all we are all human, mistakes, misunderstandings, accidents and extenuating cercomstances do happen! There’s too many people in this world who become narrow minded, rigid, inflexible and see everything as being black n white, wrong or right like an unemotional robot or worse opinionated, judgmental, unforgiving and caloused…. Businesses and people need to open and broaden their minds hearts and policies or the rules or self impossed limitations of being narrow minded, opinionated, judgemental, inflexible, and unforgiving will drive people away, cause conflict, turn potential clients away from being your patrappand the g re t ther alternatives that do work with the human condition. And offer the same quality, options and benefits as chase did except Chase was strictly by the book, rigid, inflexible, narrow minded and impersonal and this new connection isn’t ran by human robots but by real people helping real people.

Point being Chase is offering my business some startup, revamping, modernizing and updating my websites attractiveness $$$ it really needs to become fruitful, seen, successful and live up to my dreams! Question is should I risk it all by accepting the loan and believe that my business will thrive because of all the new improvements additions and upgrades to pay the loan as well as turn a noticable profit almost immediately?

I’m always advising those that I love to believe in themselves, think positive, have faith and take risks in order to make things happen one way or another. Being rigid, narrow minded, inflexible, judgmental and unforgiving doesn’t allow you to grow, to change for the better or risk it all to achieve your dreams or fall flat on your ass learning what doesn’t work and what you did wrong? Therefore learning and growing and becoming more wise to what does work and figuring out what not to do next time. therefore by falling on your ass you’ve learned a valuable lesson and opened your eyes to not just what doesn’t work but to infinite possibilities that might. Stimulate creative ideas, change your viewpoint on how to make your dreams real, become fruitful, successful and grow despite falling on your ass. It’s the failuares we experience in life that teach us to become stronger wiser and humbled in the face of our failures. They even teach us patience, give us strength, courage and confidence to risk once again and appreciate everything thats precious to us. Money, security, stability, comforts, luxury and wealth don’t mean shit compared to the unconditional love, acceptance, and understanding that you have from those you love and the equally given unconditional love acceptance, and understanding you give in return. The memories you make, the little things that you’ve done that touched and influenced the life of another. The accomplishments and achievements reached on your path towards your goals and the

Moon Phases / Lunar Phases Explained
Understanding The Moon Phases
Have you ever wondered what causes the moon phases? We all know that its appearance changes over time. But why? The good way to understand the phases of the moon is to examine an earth-moon-sun diagram:

© All Rights Reserved. This moon phases diagram is NOT public domain and may not be used on websites, copied, printed or republished except by permission. Please contact me for high resolution version available for small license fee.
Diagram Explanation
The illustration may look a little complex at first, but it’s easy to explain.

Sunlight is shown coming in from the right. The earth, of course, is at the center of the diagram. The moon is shown at 8 key stages during its revolution around the earth. The moon phase name is shown alongside the image. The dotted line from the earth to the moon represents your line of sight when looking at the moon. The large moon image shows what you would see at that point in the cycle. For the waning gibbous, third quarter, and waning crescent phases you have to mentally turn yourself upside down when imagining the line of sight. When you do this, you’ll “see” that the illuminated portion is on your left, just as you see in the large image.

One important thing to notice is that exactly one half of the moon is always illuminated by the sun. Of course that is perfectly logical, but you need to visualize it in order to understand the phases. At certain times we see both the sunlit portion and the shadowed portion — and that creates the various moon phase shapes we are all familiar with. Also note that the shadowed part of the moon is invisible to the naked eye; in the diagram above, it is only shown for clarification purposes. Finally, please realize this diagram is only meant to demonstrate how the phases work; the small inner moons in the diagram do not show the fact that the same side of the moon always faces Earth.

So the basic explanation is that the lunar phases are created by changing angles (relative positions) of the earth, the moon and the sun, as the moon orbits the earth.

If you’d like to examine the phases of the moon more closely, via computer software, you may be interested in this moon phases calendar software.

Moon Phases Simplified
It’s probably easiest to understand the moon cycle in this order: new moon and full moon, first quarter and third quarter, and the phases in between.

As shown in the above diagram, the new moon occurs when the moon is positioned between the earth and sun. The three objects are in approximate alignment (why “approximate” is explained below). The entire illuminated portion of the moon is on the back side of the moon, the half that we cannot see.

At a full moon, the earth, moon, and sun are in approximate alignment, just as the new moon, but the moon is on the opposite side of the earth, so the entire sunlit part of the moon is facing us. The shadowed portion is entirely hidden from view.

The first quarter and third quarter moons (both often called a “half moon”), happen when the moon is at a 90 degree angle with respect to the earth and sun. So we are seeing exactly half of the moon illuminated and half in shadow.

Once you understand those four key moon phases, the phases between should be fairly easy to visualize, as the illuminated portion gradually transitions between them.

An easy way to remember and understand those “between” lunar phase names is by breaking out and defining 4 words: crescent, gibbous, waxing, and waning. The word crescent refers to the phases where the moon is less than half illuminated. The word gibbous refers to phases where the moon is more than half illuminated. Waxing essentially means “growing” or expanding in illumination, and waning means “shrinking” or decreasing in illumination.

Thus you can simply combine the two words to create the phase name, as follows:

After the new moon, the sunlit portion is increasing, but less than half, so it is waxing crescent. After the first quarter, the sunlit portion is still increasing, but now it is more than half, so it is waxing gibbous. After the full moon (maximum illumination), the light continually decreases. So the waning gibbous phase occurs next. Following the third quarter is the waning crescent, which wanes until the light is completely gone — a new moon.

The Moon’s Orbit
You may have personally observed that the moon goes through a complete moon phases cycle in about one month. That’s true, but it’s not exactly one month. The synodic period or lunation is exactly 29.5305882 days. It’s the time required for the moon to move to the same position (same phase) as seen by an observer on earth. If you were to view the moon cycling the earth from outside our solar system (the viewpoint of the stars), the time required is 27.3217 days, roughly two days less. This figure is called the sidereal period or orbital period. Why is the synodic period different from the sidereal period? The short answer is because on earth, we are viewing the moon from a moving platform: during the moon cycle, the earth has moved approximately one month along its year-long orbit around the sun, altering our angle of view with respect to the moon, and thus altering the phase. The earth’s orbital direction is such that it lengthens the period for earthbound observers.

Although the synodic and sidereal periods are exact numbers, the moon phase can’t be precisely calculated by simple division of days because the moon’s motion (orbital speed and position) is affected and perturbed by various forces of different strengths. Hence, complex equations are used to determine the exact position and phase of the moon at any given point in time.

Also, looking at the diagram (and imagining it to scale), you may have wondered why, at a new moon, the moon doesn’t block the sun, and at a full moon, why the earth doesn’t block sunlight from reaching the moon. The reason is because the moon’s orbit about the earth is about 5 degrees off from the earth-sun orbital plane.

However, at special times during the year, the earth, moon, and sun do in fact “line up”. When the moon blocks the sun or a part of it, it’s called a solar eclipse, and it can only happen during the new moon phase. When the earth casts a shadow on the moon, it’s called a lunar eclipse, and can only happen during the full moon phase. Roughly 4 to 7 eclipses happen in any given year, but most of them minor or “partial” eclipses. Major lunar or solar eclipses are relatively uncommon.

Moon Software
If you want to follow the phases of the moon, you should definitely take a look at QuickPhase Pro, our flagship moon software product for your personal computer. This attractive and fun software covers thousands of years of past and future moon phases and is easy to use.