Personal Care, Safety, and Security – Awareness

Most people do not usually think about personal care, safety, and security items. However, when a significant event occurs such as a flu pandemic or a personal injury, everyone’s mind begins to focus on the personal care, safety, and security items needed to combat the crisis. This article lists the most needed personal care, safety, and security items that everyone should be aware.

Personal Care Items – Among the top personal care items are feminine hygiene products and personal amenities such as mouthwash, toothpaste, and soap. When the flu is in season, personal respirator masks become very popular along with hand sanitizers. While these top items should be of no surprise to most people not everyone is as diligent in keeping them in stock because of the following issues:

Feminine hygiene products – Because of the woman’s need for discretion and availability during travel, feminine hygiene products are the number one personal care item most often missing when they are needed. For this reason, modern facilities around the world have provided feminine hygiene vending dispensers and sanitary napkin disposal containers in most public restrooms for women. In addition, many discrete carrying cases are available for feminine hygiene products.
Personal amenities – While mouthwash, soap and toothpaste are very affordable and available in developed countries, they are often not found in public restrooms except for the most pricy facilities like country clubs and high class hotels. The pocket size instant hand sanitizers have become a modern day solution by many people to combat germs along with other pocket size toiletries.
Respirator masks/hand sanitizers – A mask with a rating of N95 or better along with hand sanitizers became the personal care necessity for people concerned about contracting the H1N1 virus. Supply shortages occurred all over the world as people rushed to purchase all available stock. While in theory the mask filters the virus, proper handling of the mask is essential. Any live virus on the outside of the mask can be transmitted during removal or reuse of the mask if a hand sanitizer is not used.

Personal Safety Items – Among the top three personal safety items are first aid kits, fire protection equipment and body protection devices such as eye, mouth, ear, back, knee etc. protection. Each of these items is discussed below:

First aid kits – Because of the need to be prepared in the case of an emergency, first aid kits are the number one personal safety item in a home, office, auto, boat or public transport vehicle. Many people put together their own first aid kits in lieu of purchasing one. Typical contents include supplies and equipment to stop bleeding, administer CPR, and dress wounds. Often some medicines are also included in the first aid kits.
Fire protection equipment – Fire extinguishers and smoke detectors top the list in this category. Fire extinguishers are present most frequently in a home, office, auto, boat, and public transport vehicles to fight a fire before it spreads. Smoke detectors are present to detect a fire before it gets started and to wake people when they are sleeping.
Body protection devices – Safety glasses / goggles are used more than any other devices to protect people from personal injury. Hard hats, safety shoes, back supports, and coveralls are added to safety glasses when working on construction sites. Unique environments on the jobs may require the use of ear plugs & ear muffs, knee pads, respirators & masks, and/or safety vests.

Personal security items – Weapons are by far the number one item that comes to mind for personal security. Next in order of awareness are security locks and systems. Finally, when large public facilities think of security, they consider the need for crowd management.

Weapons – While mentioned first for personal security, weapons should only be used by the trained professional (police, National Guard, or private security professional). Most security guards do not carry weapons, choosing to carry two way radios and crowd control batons.
Security locks and systems – A lock to keep out the uninvited guest is the second most popular device. Locks can range from the simple combination lock to complete security systems with visitor chimes and burglar alarms.
Crowd management – Security is often simply the act of maintenance of order. Crowd control post and roping may be the only thing necessary to provide personal security for the people working in an office.

The top three personal care, safety, and security items listed above are by no means the complete list of what people believe they need. Not everything listed above is appropriate for everyone but the awareness that these needs exist is important for everyone.

Two Excellent Choices For Financial Safety and Security During This Era of Uncertainty

Although 401(k) s are beginning to rebound a bit, financial safety and security continues to be sought in America. In this context, traditional whole life insurance and annuities must be considered as an safe and secure options for acquiring sufficient money to have a satisfying retirement.

The long standing traditional whole life insurance lasts for your whole life and the premium remains the same as long as the policy is in existence. Traditional whole life insurance contains the basic essentials of term insurance, with an investment element added.

You pay a premium amount larger than the premium which would be paid for term insurance and that part of the payment is invested over the life of the policy. The growth of that investment is nontaxable to you. This favorable treatment of return on investment is exclusive to life insurance and offers a significant wealth buildup vehicle.

In a nutshell, here’s what traditional whole life insurance have to offer:

o tax-favored cash values

o death benefits

o competitive interest rate

o guaranteed return

Next, an annuity is an investment contract between you and the insurance company. You receive a return on your investment that supplements your contribution. In the future, you can choose to “annuitize” the investment to provide income for a specified period of time in your lifetime.

The earnings on an annuity can grow without being lessened by taxes. These earnings are not taxable until you withdraw them, and then they are spread out over a number of years. When you begin receiving income from an annuity, only part of your income is taxable because you receive both interest and a partial return of the invested principal.

To make the best use of the positive tax advantages of an annuity, you also must be aware of the potential tax problems. The IRS imposes a penalty of 10 percent along with the tax owed on withdrawals unless you are over age 59 1/2 when withdrawing money from the annuity or cashing it in. These charges are in addition to any insurance company fees that might be imposed upon the withdrawal.

It is advisable to approach the purchase of an annuity with the expectation that you will not draw on it until you are older than age 59 1/2. To fully make the most of the tax advantages you should plan on holding the annuity for many years so that the earnings can grow without current taxation. No matter what the tax advantages of an annuity are, you still must pay close attention to the rate of return on the investment.

Here’s what annuities have to offer:

o a guaranteed return.

o a competitive interest rate.

o tax-free or tax-favored benefits

Overall both whole life insurance and annuities should be given a major consideration for providing either partial or full retirement benefit.

Parking Lot Safety and Security

Why do parking lots scare many of us when it comes to violent crime? It starts with the fact that similarly to hotel hallways, they often seem to be void of people, especially at night. Combined with the other fact that many high-rise garage parking lots are designed with security-unfriendly areas such as walls, pillars and elevation changes (where people may be lurking) and we begin to see the reason why our common sense makes us apprehensive. Even large open parking lots like the ones attached to shopping malls can offer a thief or violent predator great visibility to watch for security patrols, escape routes and potential victims.

Types of Crime

The most common parking lot crime is vandalism or theft. In regards to violent crime, the most common are purse snatching, robbery, carjacking and abductions.

The design, lack of people, and horror stories we’ve all heard about all combine with our natural instincts to bring forth apprehension around certain lots and garages. And don’t be mistaken, this is a good thing.

Without normal apprehension we’d be walking off cliffs, walking into traffic, and in short, doing some real stupid, dangerous things. Of course, I’m simplifying a bit about the positives of our natural common sense; however, our natural instincts are real and useful.

You do not need to feel foolish if you find yourself nervous in circumstances where common sense dictates apprehension. The key for you is to not become over apprehensive. Calm, awareness of dangerous possibilities is what’s needed.

Tips

There are certain things we can do to lesson our chances of being victims of violent crime in and around lots. Here are some important tips:

Park in well-lighted areas–well lit means you can see 100 feet at night

Go out of your way and spend the extra time to park in well-traveled, busier areas

If you are alone, come and go with groups of people who may be walking your way

Lock your vehicle doors when you leave your car

If available, and you feel uncomfortable, ask for a security officer to walk you to your car

Do not walk with your mind consumed by thoughts such as what you need to purchase or other tasks you may have to attend to later. Be aware about what is going on around you NOW. Are there suspicious people in the area or near your car? Is there a van parked next to your vehicle that wasn’t there before? Be aware of present dangers and act accordingly.

Get in your car as quickly as possible. Most abduction’s occur when people are getting into or loading up their vehicles

Immediately, lock your doors. This should become second nature, like putting your seat belt on whenever you get into your car

If available, and you can afford it, use valet parking

You can also choose to carry self-defense weapons such as Pepper-Spray or other legal items for your safety and security. If you chose this option, remember to become truly knowledgeable in their use and have it close and ready at hand.

Calm, realistic awareness is the beginning step you need. In addition to your awareness, stay mindful of the tips mentioned, along with trusting your common sense and you’ll be much better off going to and from your parking lot destinations.

About Safety and Security Equipment Financing

Safety equipment includes both the infrastructural equipment in the building – smoke alarms, advanced sprinklers, fire extinguishers, as well as personal safety devices like hazmat suits, personal containers etc. It is also wise to plan for safety while designing a building – fire escapes MUST be built into every large structure.

The need for security devices is increasing by the day. There was a time when metal detectors were only heard of, but now they are seen at all major points where people congregate. People are slowly realizing the need to be prepared for any sort of disaster – burglaries, fires, and other natural or man-made disasters can affect anybody.

For shops and stores, shoplifting is a major hazard. Apart from basic protection against fires and natural disasters, protection against thieves and burglars is offered by

o close-circuit TV(CCTV) cameras,
o “theft tag” scanners
o HDTV(High-definition television), which is the cutting edge of the CCTV industry.

At home, a complete home security system is necessary to lessen the losses you might incur. A home security system includes:

o Burglar alarms and CCTV cameras placed strategically protect against thieves.
o Smoke alarms, gas alarms, carbon monoxide detectors and fire alarms in the kitchen and areas of heavy electrical appliances guard against fire hazards.
o Fire extinguishers in case of small fires that can be nipped in the bud.

All this involves some money and effort in the installation, but offers a home that is safer for you and your children. Also, you incur less damage in case of accidents, and less payments made to your insurance company.

So if you haven’t taken good care of safety and security equipment in your home and workspace, now is probably the best time to start!

Home Owner’s Guide to Safety and Security

A lot of people think like they have won the lottery the day they become residence possessors, but the reality is that there is a definite height of additional responsibility. Making certain that your home is safe and sound is not only a defensive measure for those who will be inhabiting the residence, but it is also an obligatory measure that should be taken as a way to look after yourself from legality matters that could take place from a lack of home protection.

There is a wide variety of selection to choose from in order to make your living place safer. While it is easier said than done to secure your home from expert thieves, most home breaking and entering are done by amateurs. These thieves are more easily let down if you make use of safety measures to protect you and your loved ones at home.

Sometimes the most excellent answer to home security is also the most obvious one. A hassle-free, no-brainer way to protect you home is to simply lock your door. Other surefire ways to ensure safety and security include the following:

Think like a criminal/ burglar.
Change locks when you lose your keys.
Make your house appear like there’s someone home.
Never leave notes at the door.
Buy a dog.
Install an alarm system that works.

Simply stated, ensure the safety of your house by installing appropriate equipment and gadgets. If you’ve been thinking about a security system, but you don’t know where to begin, try searching the web. If ever the variety of choices overwhelms you, ask yourself what you need to get done and what aspects in the alarm system you need and what services you require. This will help you choose the appropriate type of alarm system and gadget for your house.

To have an idea on what alarm systems and to get more tips on how to protect you house from burglars and thieves, you can use the internet to achieve that. Although it is never an assurance that your house will be fully protected from catastrophe by installing these protective systems, at least it is not frustrating to know that you have done your part in trying to protect your home.

Home Improvement Loans Turn Your Home Into A Paradise

Home is the place where most of our time is spent. It’s the place where we feel most secure. It’s like the fortress which saves us from all the possible troubles that we can have.

These are a few reasons why our home should be at its absolute best. Things which can make it that can be minor or major.

If that is the case with you but you do not have sufficient funds with you to afford home improvement then home improvement loans are tailor made for you.

Home improvement loans are loans which are specifically designed for people who want to make changes to their home but they can not because of their financial standing.

A person may require a home improvement loan to make major or minor changes to their home which may be one of the following.

o Construction of the house

o Adding of a bedroom, kitchen

o Restructuring

o Landscaping the garden

o Adding to the safety of the house

o Electrical and plumbing work

o Renovation

o New furniture

Any work or changes that we make to our home is good for ourselves only as the owners will eventually benefit from the changes that take place in the home.

Benefits of going for home improvement

By going for home improvement we will raise the value of the house which will help us in negotiating a better deal if we want to sell the house.
Home improvement is better than moving to a new home both in financial and emotional terms.
Home improvement provides a lot more satisfaction to the owner of the home.

There are two ways of going for the home improvement loans

Secured home improvement loans is a way where by a borrower will have to provide collateral as a security to the lender which may be any of his assets. Such as borrowers car or his machinery. However if the borrower provides his home as a security this method of home improvement will be known as home equity method of borrowing home improvement loan. By this method we can get loans up to 125% of the property value.

Another method of borrowing home improvement loans is through unsecured means where the borrower does not have to provide any collateral to the lender as an obligation. However the borrower may have to pay a higher rate of interest to cover for the risk factor of the lender.

Home improvement can be required by any body therefore these loans are available to everyone even to people with bad credit. People who have faltered with their payments in the past such as CCJ’s, People in arrears or people who have filled for bankruptcy. Bad credit is determined on the basis of a credit score which is a three digit rating which tells the lenders about the financial credit worthiness of the borrower. A credit score of below 600 usually leads to bad credit.

For applying for home improvement loans all people need is to go online and fill in their personal and loan details form after that the loan decision will be made by the lenders in a day or two.

Benefits of taking home improvement loan through online lenders

o Fast approval of loans

o There are a vast majority of creditors so you can choose your alternatives

o You can apply even if you have bad credit history

o You can borrow up to £75000.

o You can avail a few tax benefits as well.

o With so many creditors you always get the best deal which includes low interest rates and easy repayment schedule.

o While online you can use other services available online like debt calculator, loan calculator etc.

o If you are not sure about anything you can also interact with our experts and discuss your problems.

Home is the place many people worship because for them it is a place where their god is. Therefore we should always keep it as it should be as a temple. “Home sweet home” is how the phrase is and if we keep making the efforts for that then it will keep our life sweet as well.

Fancy A Dream Home Get A Home Improvement Loan

Guess where most people spend their time well it’s their home. No wonder that people would like it to be perfect. So would most of the people as well. A perfect home depends on how an individual wants it to be. Perfection varies from individual to the other.

Most people love their home that’s why it should be perfect in fact it should be reflection of perfection. If you love your home as well than it should be as you want it to be not as it is. If that is the case with you and you want your home to be your paradise but you cannot afford it then a home improvement loan can help you in your quest.

A home improvement loan is basically a loan offered to people who want to make major or minor changes to their home. The changes can be major or minor. Examples of the changes are

o Adding or renovations of new rooms

o Central heating

o Landscaping

o Adding of luxuries like fireplaces or swimming pool

o Plumbing roofing or safety repairs

It could be a minor change or a major change which can completely turn around your home. A home improvement loan offers you an opportunity to make that improvement to turn your home into a dream home.

There are various ways by which an individual can go for a home improvement loan.

Secured home improvement loan in this loan the borrower provides a security to the borrower. The security could be any thing either a car or any other asset of the borrower.

Home equity is another type of secured home improvement loan where the security provided by the borrower can be only his home for which the loan has been taken.

Home improvement is basically an equity loan where the security is essential for the borrowing of the loan. However if the loan amount is under £10000 then an unsecured home improvement loan can be borrowed. An unsecured home improvement loan does not require the borrower to provide any kind of collateral to lender. These loans therefore carry a little higher rate of interest (about 1% – 2%) then the secured loans. This is the result of lender covering up for his risk factor. The usual interest rate is around 11.4% (variable)

Everyone in this world has home even people with bad credit history,
People like, CCJ’s, defaults, arrears, late payments or people who have previously filled for bankruptcy. A credit score is given to all UK people who have previously taken loans. A score of below 600 is the one which causes the bad credit history. A home improvement loan is now available to these people as well.

Applying for loans is easy all the people who want to get the home improvement loan need to do is go online and fill in their requirements after they have found themselves a lender. If approved they will get the loan very quickly.

There are other benefits of home improvement as well which many people do not know about.

o If you go for home improvement it increases the value of the home which helps the owners when the owner wants to sell the house. It often helps in getting a better deal for the home as a furnished home would fetch a better price then an unfurnished one.

o For most people pride is the most important thing and a dream home would be the thing that provides that pride.

o For people with bad credit history it is an opportunity to improve their credit score if they follow the repayment plan as it should be

A home can be the best place to be once you come from your work if it is properly maintained. A poorly maintained house is no good to anybody so a home improvement is an absolute necessity. A home improvement loan is designed for people who are not financially capable of going for home improvement with several benefits by keeping the borrowers financial capabilities in mind.

Tips for Home Improvement Home Equity Loan Financing

No one will argue that increasing the value of your home through home improvement projects
is a great idea. However, large home improvement projects can become quite expensive. Home
improvements lighten your wallet and empty your savings account. Careful planning and
thinking about all your financing options is necessary before beginning your home
improvement project. Below are a few tips for home improvement home equity loan financing to
take into consideration.

Home improvement home equity loans are becoming one of the most popular loans when it comes
to home improvement. Because the interest is deductible from your taxes, It’s a viable tool
for borrowing money. Interest rates on home improvement home equity loans are usually lower
than the interest rates of other types of loans. Another good thing about home improvement
home equity loans is that they are fairly easy to get.

Home improvement home equity loans are great loans for home improvement because the project
can greatly increase the appraisal value of your home. This is a loan that is obtained to be
able to get additional investments for use in the future. Home improvement projects such as
bathroom additions, bedrooms and home extensions can increase the value of a house. However,
some home improvement projects don’t really result in increasing the value of the house. The
construction of a swimming pool is one such project.

Take care when getting a home improvement home equity loan. Don’t forget that the collateral
that you are putting up against the loan is your own house. If you can’t make the payments
and make them on time, you could end up losing your home. You borrowed money for the sole
purpose of improving your house and losing your house would be a disastrous situation
indeed.

Many people use home improvement home equity loans for other reasons. The money is sometimes
spent finance other expenses such as vacations or everyday needs. Steady appreciation of
their houses is what people rely on to be able to pay for the debt. If the value of their
house depreciates at the end of any period, they are in huge financial hot water. This is
why home improvement home equity loans should be used for the improvement of your home
because the risks of depreciation are lower.

To avoid being indebted because of home improvement projects, these tips for home
improvement home equity loan financing should be kept in mind. Home improvements are a great
way to increase the value of your house but always use your head when getting home
improvement home equity loans to finance these projects.