Posts from Womens-Interests:Self-Defense Articles from ... - arerecs ...

The Top 5 Reasons To Buy A Cell Phone Stun Device

By Anonymous on Mar 13, 2012 05:10 pm

There are many reasons to carry a tool of non-lethal self-defense with you at all times. Here, in my opinion, are the top 5.
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More Reasons to Learn Self Defense

By Anonymous on Mar 13, 2012 04:19 pm

Some people may associate self defense to learning martial arts techniques. Well, this is partly true but it does not necessarily mean that you need to undergo years of training to be able to defend yourself against bad people.
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Top 5 Things To Know About Self Defense Sprays

By Anonymous on Mar 13, 2012 03:50 pm

Learn what you need to know before you buy or use a self defense spray such as pepper spray or mace. Although these self defense products are fairly simple and easy to use there are certain misconception about them that can get you hurt. This article will clear up those issues and make sure you buy the best product possible and know how to use it.
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Why You Need To Use Self Defense Stun Guns

By Anonymous on Mar 13, 2012 03:10 pm

Stun guns are becoming more commonplace these days among women. They are easy to carry and can quickly be brought into use when a threat is present. These non-lethal devices are powerful enough to stop an attacker. This articles cover a number of reasons why it is a good idea to keep one handy at all times.
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Self-Defense: Multi-Use Products - The Top Three

By Anonymous on Mar 13, 2012 08:35 am

Most products are good at doing one thing or another. Some are good at two. Here we take a look at three of the top multi-use products for self-defense. Read on to learn more.
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What Every Young Woman Should Know

By Anonymous on Mar 12, 2012 05:32 pm

Situation A: A young lady goes to a party and flirts with a guy she knows from one of her classes. She has too much to drink, and he helps her back to her dorm room. He then has sex with her even though she is too drunk to consent. She doesn't report the incident since she isn't sure that it is rape, and thinks it is her fault because she had too much to drink.
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A Guide to Some Essential Products For Self Defense For Women

By Anonymous on Mar 09, 2012 11:58 am

Knowing how to defend yourself is extremely essential for women. With so much violence in our society these days, it is helpful knowing about some useful devices for self defense that women can use to help fight off an attacker.
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Mistakes You Cannot Make During A Violent Confrontation

By Anonymous on Mar 09, 2012 11:55 am

Sometimes choosing to survive and be safe is better than winning a battle. You should not always think about your pride most especially if you are facing a violent confrontation.
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Self Protection Pros and Cons - Martial Arts, Firearms, and Non-Lethal Weapons

By Anonymous on Mar 09, 2012 11:54 am

It is definitely recommendable for people to learn about self-defense. We are facing different kinds of dangers and troubles everyday so we shall be prepared at all times.
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How Stun Gun Works

By Anonymous on Mar 08, 2012 01:51 pm

A stun gun is a great self defense product that is typically the size of a flashlight. It makes it easy for it to fit inside the purse of a woman or the pocket of a man. Ever since its conception, there are so many different varieties that law enforcement, the military, security firms, and consumers can choose from.
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Source: http://swordsknivesdaggers.blogspot.com/2012/03/posts-from-womens-interestsself-defense_13.html

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Credit default swaps are insurance products. It's time we regulated ...

Barry Ritholtz
Washington Post
March 10 2012

~~~

Last week, Greece officially defaulted on its debt. (Unofficially, it defaulted long ago.) This formal default on about $100 billion triggered payment of $3 billion in credit-default swaps. These are the non-insurance insurance products that pay off in the event of a default.Let?s take a closer look at the tortured history of the swaps and see why they should be regulated as commercial insurance policies.

Our story thus far: CDS obtained their favored status as unregulated insurance policies courtesy of the Commodity Futures Modernization Act of 2000. It was sponsored by then-Sen. Phil Gramm (R-Tex.) ? and benefited Enron, where his wife, Wendy, was a director on the board. The energy company had discovered the fast profit of trading energy derivatives, which was much easier to achieve without those pesky regulations. Late in the year, the CFMA was rushed through Congress. Passed unanimously in the Senate and overwhelmingly in the House, it was mostly unread by Congress or its staffers. On the advice of then-Treasury secretary Lawrence H. Summers, the bill was signed into law by Bill Clinton.

No one associated with this awful legislation has yet to be rebuked for it. Anyone who actually read this debacle and recommended it should be banned for life from having anything to do with public policy or economics.

Why? The act was a radical deregulation of derivatives. It was an example of the now widely discredited belief that banks and markets could self-regulate without problems. Management would never do anything that put the franchise at risk, and if it did, it would be suitably punished by the shareholders.

It didn?t quite work out that way. Across Wall Street, nearly all senior management involved escaped with their bonuses and stock options intact. Lehman chief executive Dick Fuld lost hundreds of millions of dollars and now must scrape by on the mere $500 million or so he squirreled away.

The act did more than change the way derivatives were regulated. It annihilated all relevant regulations. First, it modified the Commodity Exchange Act of 1936 (CEA) by exempting derivative transactions from all regulations as either ?futures? (under the CEA) or ?securities? (under federal securities laws). Further, the CFMA specifically exempted credit-defaults swaps and other derivatives from regulation by any state insurance board or regulator.

Hence, the law created a unique class of financial instruments that was neither fish nor fowl: It trades like a financial product but is not a security; it is designed to hedge future prices but is not a futures contract; it pays off in the event of a specific loss-causing event but is not an insurance policy.

Given these enormous exemptions from the usual rules that govern financial products, you can guess what happened with the swaps. A very specific set of economic behaviors emerged: Companies that wrote insurance typically set aside reserves for expected risk of loss and payout. When it came to swaps, the companies that underwrote them had no such obligation.

This had enormous repercussions. The biggest underwriter of default swaps was AIG, the world?s largest insurer. Without that reserve-requirement limitation, it was free to underwrite as many swaps as it could print. And that was just what it did: AIG?s Financial Products unit underwrote more than $3 trillion worth of derivatives, with precisely zero dollars reserved for paying any potential claim.

Though this may sound utterly absurd today, circa 2005 it was considered brilliant financial engineering. Consider this quote from Tom Savage, the president of AIG FP: ?The models suggested that the risk was so remote that the fees were almost free money. Just put it on your books and enjoy.?

Ahhh, free money ? how could that dream ever go wrong?

As it turns out, quite easily. Underwriting swaps was enormously lucrative ? so long as you don?t count that unpleasant crashing and burning into insolvency at the end.

Oh, and that massive $185 billion AIG government bailout. Aside from those tiny hiccups, there was some good money to be made.

It was more than just AIG. While the radical deregulation wrought by the CFMA led to AIG?s self-directed collapse, it also helped steer two of the largest securitizers of mortgages ? Bear Stearns and Lehman Brothers ? into insolvency. Perhaps they were lulled into complacency, believing (wrongly) that they were hedged against losses. The CFMA led to their demise, and it was indirectly responsible for the collapse of Citigroup, Bank of America and Fannie and Freddie. It also was a significant factor in the near-death experiences of Goldman Sachs, Morgan Stanley and quite a few others.

Despite the CFMA?s horrific fatality toll, it has never been overturned. Parts of it were modified by Dodd-Frank regulations, but not the insurance exemptions. Today, these swaps are cleared through exchanges or clearinghouses ? but they are still exempt from all insurance regulatory oversight. Which is bizarre, because they are little more than thinly disguised insurance products, with the CFMA kicker that there is no reserve requirement.

Which brings us more or less up to date ? and onto more topical issues, such as Greece. Two weeks ago, the International Swaps and Derivatives Association said that ?based on current evidence the Greek bailout would not prompt payments on the credit default swaps.?

That is an odd statement about a tradable asset ? based on evidence? Typically, an option or futures contract expires, and it either is in or out of the money. Any tradable asset ? stocks, bonds, futures, options, funds, etc. ? settles on its own. There is a market price the asset closes at, a total volume of sales, and a final print for the day, month, quarter and year. No interpretation is required. Why on earth would anyone need a committee ruling for a trade?

On Friday, the ISDA committee ruled that Greece formally defaulted. Thank goodness that was cleared up. Had they failed to do so, it would have fatally damaged the swaps market and made sovereign debt financing much more expensive.

What makes this issue so fascinating is not whether Greece has or has not technically defaulted. Rather, it is that there is a committee of conflicted interested parties rendering a verdict on that issue.

Funny, no sort of group declaration is required when a futures contract or an option must settle. No committee decision is required. Which (again) is why credit-default swaps look, sound and act a lot more like insurance than they do other tradable assets.

Why does it matter if swaps are not insurance? In a word, reserves. That is the key difference between insurance and swaps. State insurance regulators actually require reserves from insurers ? a lot of reserves ? to ensure payments can be made in the event any payable event occurs. The swaps industry does not require reserves. Not even one penny against billions in potential losses.

I think you can see why this matters so much. Swaps are a lot less profitable as an insurance product than they are as a trading vehicle. That is the primary issue that we all should be concerned about. It is exactly how AIG blew itself up. There is nothing that prevents the marketplace from doing it again. We could very well see a repeat unless this gets resolved. Indeed, the odds heavily favor such an event occurring, unless we collectively do something to stop it.

Credit-default swaps are insurance products. It is well past time we regulated them as such.

~~~

Ritholtz is chief executive of FusionIQ, a quantitative research firm. He is the author of ?Bailout Nation? and runs a finance blog, the Big Picture at Ritholtz.com. Twitter @Ritholtz

Source: http://www.ritholtz.com/blog/2012/03/credit-default-swaps-are-insurance-products-it%E2%80%99s-time-we-regulated-them-as-such/

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Choose The Best Plumber For The Job - Icon Bud Home ...

Were you aware that water pressure above 80 psi can actually cause a loud hammering sound to occur in your plumbing system? This can be easily resolved by installing a valve that can adjust the incoming water pressure. For more great expert tips, check out the rest of this article.

You do not always need a plumber to repair a leaky faucet

Sometimes you have to make the choice between replacing or repairing. If you have an old appliance, that uses a lot of water or electricity, it may be best to replace. Sure, it will cost more initially, but it will save you money in the long run. The other thing is, you can?t be sure how well a repair will work out, whereas with a new appliance you?ll at least get a guarantee.

Do a routine check around your house each month on each and every faucet to make sure there are no signs of leaks or drips. Over time, leaks can add a lot of money to your water bill and will worsen if you do not take care of the problem.

In order to ensure that your toilet works smoothly, make sure the chain connected to the handle is of the proper length. If the chain is too short, you will likely have a leak between the tank and the basin, and if the chain is too long, you run the risk of it catching in the flapper.

If you do attempt to do plumbing repairs yourself, do not forget to wear proper safety gear. Many pipes and plumbing areas are under great pressure and if there is a pipe that bursts, it can cause serious injury. Wear the proper eye, hand, and ear protection when doing any plumbing repairs.

Learn to fix a leaky faucet

In conclusion, you want to be sure that you know what all of the noises you hear coming from your basement are. Some noises could be normal, some could mean that are more serious problems. Hopefully this article will help you determine what sorts of issues require your immediate response.

Here is how to fix a leaky faucet

Choose The Best Plumber For The JobWere you aware that water pressure above 80 psi can actually cause a loud hammering sound to occur in your plumbing system? This can be easily resolved by installing a valve that can adjust the incoming water pressure. For more great expert tips, check out the rest of this article.Sometimes you have to make the choice between replacing or repairing. If you have an old appliance, that uses a lot of water or electricity, it may be best to replace. Sure, it will cost more initially, but it will save you money in the long run. The other thing is, you can?t be sure how well a repair will work out, whereas with a new appliance you?ll at least get a guarantee.Do a routine check around your house each month on each and every faucet to make sure there are no signs of leaks or drips. Over time, leaks can add a lot of money to your water bill and will worsen if you do not take care of the problem.In order to ensure that your toilet works smoothly, make sure the chain connected to the handle is of the proper length. If the chain is too short, you will likely have a leak between the tank and the basin, and if the chain is too long, you run the risk of it catching in the flapper.If you do attempt to do plumbing repairs yourself, do not forget to wear proper safety gear. Many pipes and plumbing areas are under great pressure and if there is a pipe that bursts, it can cause serious injury. Wear the proper eye, hand, and ear protection when doing any plumbing repairs.In conclusion, you want to be sure that you know what all of the noises you hear coming from your basement are. Some noises could be normal, some could mean that are more serious problems. Hopefully this article will help you determine what sorts of issues require your immediate response.

17 March 2012 | Home Improvement

Source: http://www.iconbud.com/home-improvement/choose-the-best-plumber-for-the-job/

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Looking Into Various Techniques Of Enhancing The Memory - Self ...

People around the world have been using these devices especially for important information that they need to keep and though their lives have been easier, they have also lessened the chances for their brains to be active.People have to keep on using their brain to increase memory capacity.The brain?s capacities can be increased through the application of memory improvement methods.

People may be able to remember things easily if they engage in mental tasks that would keep the brain working properly.Remembering from one?s memory is seldom used especially with the computers and phones that can readily give any information that an individual needs.Using the information from a gadget would not help the memory to retain it.Electronic gadgets do not last forever and it may be a problem later.

Individuals still have the chance to work on the improvement of their capacity to remember things by using some methods.Individuals may try doing these easy steps anytime of the day or night on a regular basis.Some take a little more practice than others, but all of them can be useful when you get use to doing them.

Mental exercises that includes association can be very helpful to people.People can make use of this method for them to be able to absorb details like names or events.The memory can retain better especially if people are able to take note of other details that may come from the different senses.

Recalling events like weddings can be easier if people use association for them to store the information in their memory better.Those who hear some special songs may remember past events or occasions like their first dance with their partner in life.

Remembering somebody or some places may be triggered by the scent of something familiar.People who are into the perfume industry have made it big especially with the most memorable fragrances that they have created.

People can also make use of recitations so that they may be able to remember memorized ideas.Research show that people who recite their memorized work for four times at least will be able to retain it in their memory.Repetition can be performed either by writing or by saying.

People may choose to write what they have learned and then to say everything out loud for several times for them to remember it later.This will help people to deal effectively with mathematical equations and correct spelling.

You will discover many ways to improve your memory by enrolling into a memory enhancement program. If you are looking for more information about memory improvement program you can find it here. If you click their page you will get more information about them.

Source: http://authorarticle.com/self-improvement/looking-into-various-techniques-of-enhancing-the-memory-2.html

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Charles Memminger Joins Communications Pacific ...

Thursday, March 15th, 2012

HONOLULU ? Communications Pacific (CommPac) has hired national award-winning newspaper columnist, author and screenwriter Charles Memminger as a senior writer. He will work on a variety of projects and accounts, using his unique background as a long-time Hawaii resident familiar with the Islands? lifestyle, culture and business community.

?We are delighted to have Charley join our team,? said Kitty Lagareta, CommPac CEO. ?He is an extraordinary talent and brings us great breadth and depth of experience as a communicator.?

Memminger has written for the Honolulu Star-Bulletin, Honolulu Advertiser, Honolulu Magazine, Hana Hou and Hawaii Reporter. His work has also appeared nationally in Newsweek and Better Homes & Gardens, among other places, and has also been distributed by the New York Times News Service. He has won a number of Hawaii journalism awards, and the National Society of Newspaper Columnists twice named him the top humor columnist for U.S. newspapers under 100,000 circulation. In 2010 he took third place nationally in humor for newspapers over 100,000 circulation.

Memminger was a staff writer on the final season of the TV show ?Baywatch Hawaii,? after becoming the only Hawaii writer to win the Maui Writer?s Conference international screenwriting competition. He has had two books of humor essays and columns published in Hawaii; St. Martin?s Press will publish his novel ?Kahala Road,? a ?light tropical thriller,? in 2013, with a sequel to follow.

Memminger has also served as a public relations consultant to the Corrections Corporation of America. He has appeared on Hawaii TV and radio and, earlier, he worked as a reporter for newspapers in West Virginia and Guam (Pacific Daily News).

He is a graduate of Aiea High School and Oregon State University.

Communications Pacific is Hawaii?s leading integrated communications company, offering public relations, marketing and community building, including land use and real estate projects and other issues.?Hawaii?s ?go to? communicators,?CommPac?is a trusted advisor to clients and partners. It strives not only to bring clients success, but also, in every way possible, to strengthen communities, the economy, and the social and cultural fiber of these Islands.?For more than four decades, CommPac has provided strategic ? and creative ? communications counsel that gets results. It is a member of IPREX, one of the largest international partnerships of independent communications firms in major markets around the globe, providing clients with global reach while working with the local expertise of its award-winning partner firms.

# # # # #

Charles Memminger, Senior Writer, Communications Pacific

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Source: http://www.commpac.com/2012/03/15/charles-memminger-joins-communications-pacific/?utm_source=rss&utm_medium=rss&utm_campaign=charles-memminger-joins-communications-pacific

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Daily Business News - MH Marketing Sales Management

Triad Financial Services, Inc. informs us that Jim Brand, Houston-based regional manager for the manufactured housing lender, passed away March 9 after a brief battle with cancer. With Triad since 2005, Jim previously worked for Associates Housing Finance as Sales Purchase Office Manager. Blessed with good humor and an infectious laugh, Anthony Glass, vice-president at Triad?s corporate office in Jacksonville, Florida, said Jim always had a funny story to go along with any problem he encountered. We at MHProNews offer our sincerest condolences to his wife, children, and grandchildren in this time of sorrow.

(Photo credit: Texas Mfg. Housing Association)

Categories: Company News, Finance, Manufactured Homes, News Item, People Tags: anthony glass, cancer finance, condolences, financial services inc, funny story, good humor, grandchildren, infectious laugh, jacksonville florida, jim brand, manufactured housing, passages, regional manager, sorrow, Triad Financial Services, Triad Financial Services Inc., vice president

Source: http://www.mhmarketingsalesmanagement.com/blogs/daily-business-news/passages-jim-brand/

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Drew Barrymore Shows Off Baby Bump In Paris (Photos)

Drew Barrymore Shows Off Baby Bump In Paris (Photos)

Drew Barrymore, who recently became engaged to Will Kopelman in January, is enjoying a vacation in Paris sporting a small baby bump. The 37-year-old actress [...]

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