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Self Defense Weapons – What Is The Best Weapon For Self Defense?

If you are thinking of purchasing a gun, or other “self-protection” device such as pepper spray or an alarm, then you are obviously concerned about your personal safety. You know it is essential to learn how to defend yourself, now more than ever! Today, not only do you have to worry about criminals, but now terrorists as well! What is this world coming to? Would you know what to do?

You may be thinking, “Well, I’ll just get a gun!” Unfortunately, real-world tests have shown that overall , weapons (or other “self-defense” products) are often ineffective when it comes to self-defense. Why?

There are many factors that contribute, but the main reason weapons are ineffective is, if the weapon is not in your hand at the moment of attack, you will never get the chance to use it! But, the law does not allow you to walk around with a gun in your hand, and most studies show that people soon forget to carry the various types of self-protection devices they purchase.

Even if you have a stun gun or pepper spray in your purse or pocket, if caught by surprise, you won’t have a chance to get it out before you get decked! Mace does you no good if it is still in the purse that just got snatched out of your hand! Tests prove that 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the time, you will never get the chance to reach for your weapon before you are hurt too severely to use it.

FBI statistics and Police reports from all over the country show that in more than half of all instances where the victim was able to get to a “weapon” (usually sprays are mentioned), the attacker knocked it out of their hand before they could use it. Police files are filled with tens of thousands of incidents of weapons taken away from the victim and used against them! It is estimated that almost one third of all gunshot victims are shot with their own gun! The figures are even higher when it comes to stun-guns and sprays.

This doesn’t even include all of the incidences where the victim shoots themselves! Accidental discharge is the leading cause of gunshot wounds in both crime and non-crime reports. You may think that wouldn’t happen to you, but the reports prove that it happens to even experienced gun owners.

I know of a Police officer, even after extensive training , the first time he tried to use Mace against an unruly suspect, ended up spraying himself.

Unfortunately, most people have little or no training as to the safe and proper use of the weapons in their possession. Inadequate, or even improper training is the leading cause of accidental discharge involving guns, stun-guns and sprays. What do you think will happen when they attempt to use that weapon under the stress of a real attack?

There are literally millions of incidents reported where the victim couldn’t get the weapon to work at all, mainly because …

Computers and Technology: Shop for Insurance Responsibly

Today's advances in computers and technology make many tasks easier than they were years ago. Computers and technology aid us in our personal lives as well as professional lives. Most young people probably can not imagine a world without computers and technology, and most older people probably can not imagine going back to that world. Thanks to computers and technology, we work online, we play online – we do just about everything online!

A popular trend today is the act of purchasing insurance policies online. Health insurance, life insurance, auto insurance – you name an insurance, and it can probably be purchased online thanks to computers and technology. This is a great convenience for some folks. Think about it: who wants to make a detour on their commute home from a long day of work to talk with an insurance agent about purchasing an insurance policy? Would not most people rather go home to spend time with their families and relax before the next day begins?

While computers and technology make it much easier to spend more time enjoying these kinds of leisure activities, they also make it much easier for us to lose connection with real people. By purchasing insurance online, you're saving time and effort, but you're also losing the important, yet overlooked, benefit of speaking with an insurance agent one-on-one, face-to-face. At the very most, the only human interaction you're going to have by purchasing insurance online is speaking with a representative over the phone.

This is not to say that you should avoid the perks of today's computers and technology, such as purchasing insurance online; However, you should make sure you have the chance to get some one-on-one time with an insurance agent – even if that one-on-one time is only over the phone. Rather than the conversation consisting solely of a brief synopsis of the coverage and your credit card number, ask specific questions, and make sure to get wellly detailed answers. …

Tips to Choose the Right Business Insurance

Businesses can never be in a stable position. There might be times where one day the business might touch its peak and the very next day turns out to be a day of loss. So, newer companies and the huge companies are constantly becoming aware of getting their businesses insured. This step, they feel, will help to recover the losses and maintain stability in their day to day business processes. Here again, making the right choice for the business is an important step. If you are a potential owner of a company, the under mentioned steps can help you choose the right policy.

Compare Shops

The best way to find out what these insurance companies are offering is to compare their policies. Some of the things that are a must to be compared are price, deductibles, complaint ratios, coverage amounts, out-of-the-pocket limit, and the co-payments. The suitability of the coverage on the company has also to be taken into consideration.

Go Through Ratings

After you have compared the prices and all other aspects, it is time you go through the customer ratings of company. It can tell a great deal about the financial condition of the company. It is generally the ex-customers who have rated the company’s services. The better the ratings the more appropriate is the company to be chosen for achieving the business insurance policy. The ratings are available online. However, one can also research for them in a library or directly ask the members of the company.

Ask Questions

The business owners and the managers that are in the quest of shopping a business policy should have a lot of questions on their list. Through these questions, they would be able to get a detailed information about the company and its services. This will help them in making a learned decision while choosing the policy offering company.

Contact an Insurance Broker

The best thing perhaps to do for a company is to hire a broker for the business. The positive side is that the business owners will save a lot of time and their efforts into making a search. The broker, on the other hand, works for its clients and is said to be more informed and experienced working in the same field for several years. He, thus, suggests the best policy. They also maintain privacy for their client data.

Following the above-mentioned ways, a company can choose the best policy to insure itself. Being the owner or the manager of a company, it is necessary to take right call.…

Affordable Car Insurance!

It is possible to get affordable car insurance!

All of us are trying to save a bit of money. All of us have those annoying expenses in our lives. What would you rather do, pay your phone bill or buy yourself a new jacket or a set of golf clubs? Of course. We are all the same. But we gotta pay those bills. Luckily there is now a way to save some money on some of those. Nobody likes to talk about it, except when they complain to their neighbor how much it is! Car insurance. Thats right, car insurance. We all need it, we all gotta pay through the nose for it. But affordable car insurance?

Yes you can save money with it. It can be more affordable. Studies show very few people comparison shop for car insurance, but its easy and its fast. And it can be much more affordable.

There are many car insurance sites now on the Internet that will do the legwork for you. Just a few simple questions and just a moment later, you have in your hands, all the information, all the quotes from different insurance companies, ready to go. That was not so bad, now was it?

Now you have what you need. With what you know now, now you can contact the insurance company. Now you can do a bit more research to see if you can save even more money. Thats right, your car insurance can be even more affordable!

Here are a few tips to make your car insurance more affordable:

Insure your car and home with the same company.

Take a safe drivers course.

Have good credit.

Have a clean drivers abstract.

All of these and more will save you money. You will have affordable car insurance! Good luck! …

5 Tips for Choosing a Perfect Personal Injury Attorney

Experiencing any kind of accident can be an emotionally nerve-racking thing to deal with, but it can be even worse when there is physical injury also involved in it. Without a right personal injury attorney you may find yourself in a lot of difficulties like payment of sky-scraping medical bills. It is not very easy to pay these kinds of bills especially when you are injured and you are not able to do any kind of job. That is why it is very important to find a good personal injury lawyer who assists you in this type of situation.

These lawyers are able to assist you in dealing with different insurance claims, medical bills and most importantly handling your case in the court. Most of the people easily recognize these outstanding benefits of the personal injury lawyers and they do not make any kind of mistake in choosing a right attorney. Although some of them are under a lot of stress and due to this stress they make some mistakes in choosing a right attorney. It is very crucial to hire a good lawyer in order to make your case strong in the court. Following are some guidelines that should follow when hiring a lawyer.

1. The first and most important thing that you have to look in an attorney is its experience. Choosing a highly experienced attorney will ensure you that you are going in the court with skilled and trustworthy person. A good and experienced attorney is able to deal with all the complex paperwork and documents very efficiently and quickly.

2. Make sure that the attorney you are going to hire is giving the guarantee of his services. Today most of the good attorneys would not charge even a single dollar if you lost your case. Actually they are the ideal attorneys for every person to hire because by hiring them you are not taking any kind of risk.

3. You also have to make sure that your attorney must have a team of investigators. This team is able to deal with the different investigating aspects of your case. With the help of this information, your attorney will be able to build a solid and strong case for your claims.

4. When you are choosing an attorney for your case this is very important to choose a person who is objective and honest as well. You may want a big payout and fast settlement but an objective, honest and experienced lawyer will keep you from making any kind of hasty and foolish decisions.

5. An experienced and skilled lawyer will be versatile in its approach. It is essential to hire a lawyer who is able to deal with the lawyers of your opposition party in a professional and friendly way.

It is quite clear that hiring a right personal lawyer can make a big difference between losing and winning a case. Before hiring an attorney it is very important to do some research on the internet. If …

How to Get Scooter Financing For Good and Bad Credit

With gas prices increasing many Americans are looking to scooters as a way to protect their pockets against the price of gas. While finding a fuel efficient alternative is a good decision, many scooter buyers are not protecting their pockets when it comes to scooter financing.

There are many options available when financing a scooter including credit cards, manufacturer low payment promotions, installment personal loans and financing for bad credit applicants. Educating yourself about the various types of scooter loans is important before you make a financial decision.

Here are some tips for you to follow:

1. Do not shop for a scooter that is too expensive: Today there are scooters that cost as much as $ 9000, but shopping for one of these scooters makes little sense if you can not get approved for financing.

Therefore, it is a good idea to shop online, and at your local bank for a scooter loan before you enter the showroom.

2. Watch out for low payment promotions: Manufacturers often entice you into buying a scooter with low payment promotions which structure payments as low as $ 39 for 2 years.

Low payment promotions look enticing, but are a very bad financial decision for you.

Fundamentally with low payment promotions you are only paying off the interest on your loan each month and very little is going towards the principal on your scooter.

Worse off at the end of the promotion your payment will double and your interest rate could increase to as high as 22.9{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} annual percentage rate.

3. Get an installment loan: Most low payment promotions mentioned above are on a manufacturer credit card.

Opting to get scooter financing with an installment loan is a much more wise decision.

With an installment loan the lender can not increase your interest rate or payment and your scooter will be paid off at the end of the term.

4. Consider a personal loan: If you walk in your bank and ask for scooter financing the bank may not have such a product.

Therefore you will likely have to ask your bank for a personal loan, which is basically a simple interest installation loan that can be used for recreational items.

A personal loan is a great way to finance your scooter and is much safer than a credit card or low payment manufacturer promotion.

5. Read the fine print: As your parents probably told you make sure you read the fine print before signing any loan document. Definitely do not enter a loan contract that you do not understand.

6. Do not borrow more than you can afford: There is little reason to purchase a scooter to save on gas if you borrow more than you can afford.

Borrowing more than you can afford will put you in a risky financial position. You must consider the cost of insurance, registration, maintenance and gear and choose a scooter that fits your budget.

7. Avoid zero down payments loans: Trying to secure scooter financing …

Getting Great Life Insurance Quotations Tips

When you are shopping around, and getting different life insurance quotes, you should know a few tips that can help you keep your premiums and total cost down. Below are some helpful tips you can use to make sure that you never pay more than you need to for insurance, and that you can get the best deal possible.

Go online to check out life insurance quotes. It truly is the most effective way to check out different costs and see what will work best for you. Instead of having to call various companies for a quote, you can simply log onto a website and check multiple companies with a single click.

If you are part of a couple, then getting joint insurance can really help to cut the costs of your premiums, because they will be spread across two people. The down side to this is that the policy will only pay out once. Therefore, if your partner dies, you will get the payout, but then you will need to get new life insurance for just yourself.

Always sign up with a reputable company which can pay out the life insurance quickly when you die. To check and see if a company is reputable or not, read some online reviews about their services.

Avoid any extras that the insurance companies will try to get you to add on to your policy. Stick with the basics, as most of the add ons are not needed anyways.

Finding the best life insurance quotes is not difficult if you follow the tips outlined above. This will help you do everything you can to keep your costs down when shopping around for insurance. Remember these tips, and you will certainly find a policy that is affordable for you and your family. …

Cashing Life Insurance Settlements

Life insurance is taken to provide security to an individual?s life against events like accidents or death. A life insurance policy is a contract between the insurer and the company that offers such a policy. Herein, the company agrees to pay an agreed sum of money or cash in case of an accident or death. Cash Life Insurance Settlement policy could be surrendered at times when there is a shortage of money. Hence such policies are sold for cash to meet expenses like medical treatment, inability to pay premium on time, and so on.

When such insurance documents are sold, policy sellers benefit by converting these assets into liquid money, which can be invested as and when needed. It proves profitable to sell off a policy, as it could be worthless if premiums are not paid in time.

Cash life insurance settlement companies offer a high amount on insurance settlements than what insurance companies offer. Usually such cash life insurance settlement companies buy policies from general public, and trusts and offer a fixed rate amount to policy sellers. Cash life insurance settlement company may be the principal beneficiary on the amount at the event of death of a document holder or when the policy matures.

Senior citizens who are above the age of 65 years may be required to sell cash life insurance settlements at times. This could meet emergencies when senior citizens may require money for their medical treatment and other needs. Hence, these cash life insurance settlements are sold to companies for a price that is a little higher than the purchase value. At times brokers bid for policies and whichever is the highest amount, is paid to such citizens. Policyholders may have the right to choose whether to opt for this amount or not as these policies may be worth approximately one hundred thousand dollars.…

Personal Injury Settlement Advice

Personal injury advice is often sent after getting injured from an accident. However, there is no exact and specific advice that covers all personal injury cases because every case is unique. To get specific advice, discuss a personal injury and how to get settlement for it with a reliable lawyer, health professional, and a therapist who can guide you to the actions you have to take.

Below are some general and easy-to-follow advice that you should take when making a personal injury settlement.

– First and foremost, if you are injured, you have to get immediate medical care. You have to tell your doctor what exactly happened so he can treat you accordingly. This can also help establish a detailed medical record that will be useful later.

– The next course of action you should take is to document the injury. Write down an account of the accident as soon as possible so that the details are still clear in your mind. Taking pictures of the scene of the accident is a good idea because the photos can also be used as evidence.

– If the personal injury is from an automobile accident, you will want to inform the police and your insurance company right away so appropriate actions will be taken.

– If your injury happens in the workplace, report what happened to your employer, boss or manager right away.

– Listen to all advice you receive from other people along the way, as some of them may be useful for you. However, do not make decisions impulsively. Think of the pros and cons of whatever action you wish to take.

The key to successful personal injury settlement, although it may seem counterintuitive at the time, is to record and document everything that has happened. Having detailed and tangible evidence is your best defense if your case goes to trial. And even if it does not, having a comprehensive and detailed paper trail at hand will enable better negotiating for you, and you will end up, hopefully, with a higher payout as well. …

Prices for Do It Yourself Sunroom Kits

Once upon a time, if you wanted to build a sunroom onto your home, you would have to hire and pay a contractor to do it for you. But with the introduction of sunroom kits, that is no longer necessary. You can order a do it yourself sunroom kit from any number of sunroom manufacturing companies, who will then ship to you the elements that are necessary to put the room together. The idea behind sunroom kits is that you should be able to save money on getting your sunroom installed by putting it together yourself. Not only are you providing the labor, but you are also cutting out the 'middle man' in the process of building your sunroom. This allows you to save money on the materials as well. Plus, depending on the do it yourself sunroom kit that you choose, you can also save money on future energy and maintenance costs.

First, understand that the price of a do it yourself sunroom kit will vary depending on your home's particular situation. For example, if you are choosing to build a small, aluminum sunroom on top of an existing deck or cement slab, it will be much less expensive than building a block foundation sunroom with more windows and wood framing. If you have an existing deck or slab, then it makes sense to choose that location for the sunroom because it is already properly graduated and prepared. In that case, you can measure the deck or slab and get the proper measurements for ordering your kit. But if you do not have a slab or deck already, then you will need to decide on the proper location for your sunroom. You will also need to grade and prepare the area before you can begin construction. This obviously changes the amount of work that you will be requiring of yourself when installing your do it yourself sunroom kit. Of course, you could always hire a contractor to put in the slab for a block foundation sunroom, and then build the rest of it yourself.

Choosing the Type of Do It Yourself Sunroom Kit

When you are ordering a sunroom kit, realize that it is typically designed for a sunroom that is not going to be connected to your HVAC system. If you want your sunroom to be heated or cooled by your existing system, then that is probably not a project you will want to take on with your do it yourself sunroom kit. Otherwise, you'll be relying on fans and portable heaters or coolers to keep your sunroom comfortable. Depending on the climate where you live, this may be just fine for you.

Getting a quote for Your Sunroom

Companies that provide do it yourself sunroom kits have a number of standard sizes and types that they are ready to provide for you. These are the least expensive options because they are able to mass produce them and package them at a savings to them, which they will …