Cyber Space Play

If you have more than two existing debts, consider a debt consolidation loan. Several options are available such as, an unsecured loan; receiving an advance from an existing mortgage lender a loan secured against your property and leaves the original mortgage intact. You may consider taking out a second mortgage or remortgage your home. Another option is to transfer outstanding balances to a credit card.

When considering a debt consolidation loan it is important to shop around the same way you would if you were attempting to secure a loan for the first time. Comparing offers from a variety of lenders for your debt consolidation loan can save you a considerable sum of money. Do not let the stress of financial challenges lead you to make hasty decisions when choosing the most appropriate action for consolidating your debts. In addition, carefully consider the factors such as length and term of the debt consolidation loan and the total cost of repayments before your final decision.

What to think about when considering a debt consolidation loan

When you are considering a debt consolidation loan, consider exactly what you need to accomplish financially and what the alternatives are to control your debt. Examine the interest rate and APR, will it be fixed or variable. Analyze the monthly repayment schedule and total cost of the loan. Notice if the rate and/or capital sum will change during the allotted time of repayment. Carefully note the penalties assessed if you are late, miss a payment or if you decide to refinance or repay the debt consolidation loan early. If you have taken this loan out on your home, what consequences do you face for not staying current on your payments or if you decide to move to another residence.

When considering a debt consolidation loan your credit rating will play a key role in the sum you will be able to finance as well as the terms and APR of the loan. Whether your credit rating is excellent or adverse there are lenders available to assist you with your debt consolidation loan needs.

What are the benefits of a debt consolidation loan?

How does a debt consolidation loan work? If you have multiple loans, you can use a debt consolidation loan to combine the sum of your debts into a single loan. Often you will enjoy a lower monthly payment and be able to extend the loan over a longer period. When choosing a debt consolidation loan remember that this will not solve your credit problems instantly but it will afford you the opportunity to move your financial circumstances in a positive direction. You will be able to increase your credit score and begin working towards decreasing the amount of your debt.

If you are considering a debt consolidation loan, research the lenders and the offers carefully and choose one that guarantees results. Your goal in securing this type of loan is to bring your credit score up and help keep you from damaging your credit rating.

You may freely reprint this article provided the following author’s biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

If you can set aside $10.00 and invest it into a proven program that can create financial freedom for you in 60 days would you consider it as an alternative to filing for the Hawaii Bankruptcy Law? There is an alternative available to YOU right now that will not only give you back your good nights sleep but also carries no negative consequences along with it like taking action on the Hawaii Bankruptcy Law does.

In the next few minutes you are going to discover a simple system that can get you out of debt without any work on your end and can be implemented immediately anywhere in the world. In as little as 1 hour from now, you will know how to create a FREE online account that can clear up ALL of your existing debt in 2 months and then go on to establish the wealth you want throughout this year so you can start enjoying your life again.

Before we discuss all the details that this opportunity has to offer YOU AND YOUR LOVED ONES, let me share with you quickly why I wrote this article in the first place. I have been helping people improve their finances for the past 10 years and working online since 2003. I recently did a search on Overture to see how many people are looking to file for bankruptcy in the hopes that I could help and I was saddened to see that Hawaii Bankruptcy Law was searched for over 10,000 last month. This fact could provide you some comfort in knowing that you are far-from-alone in the situation you face and that there is someone out that who is looking to help you turn your finances around today.

I have made it my job to present you with an a-s-t-o-n-i-s-h-i-n-g alternative to filing for the Hawaii Bankruptcy Law because I have been blessed with financial freedom and have access to important information that you may never even knew existed since your debt must be foremost on your mind. It should put your mind at ease to know that the system I am going to tell you all about in a moment costs a lot less than Hawaii Bankruptcy Law filing fees, works faster than the preceding process and allows you to not only keep your current assets but will create more wealth then you’ll know what do with in less then 1 year!

Did you read the last line?

“Create more wealth then you’ll know what to do with in less then 1 year”!

Hard to believe BUT true and I am going to prove it to you.

The only thing you have to do is invest the next half an hour studying the system I am about to share with you and then you can decide whether you are going to act on the advise that can create financial freedom faster then anything else out there or choose the Hawaii Bankruptcy Law as your only other alternative. The solution I offer is not only the more affordable way to go but could quite possibly be the most exciting opportunity you will ever encounter in your life. It was the best decision I ever made along with over 48,329 other every day people facing the same situation you now are and I would be happy to help you every step of the way while getting started.

If you can afford a cup of coffee every morning then you will have no problem finding the necessary funds to participate in this program. You can start with as little as $10.00 and turn it into $9,567.06 within 1 year or start with $20.00 and make more then the Average Yearly American Salary which is $39,795.00. Would $39,795.00 eliminate most of your existing debt?

Did you know that it could cost as much as $200.00 just in filing fees and take up to 6 months before finding out if you have been approved for bankruptcy discharges? The same $200.00 and in 6 months with this system can create $231,537.66 profit in your pocket. Of course, you would be responsible for taxes but there will be A LOT left over for paying off your debts, spending on relaxing vacation and anything else you desire.

Don’t believe me…then you do the math and see for yourself that what I am saying is accurate.

STEP 1:
Go to http://aurumgames.com/calculator.php and type in $200.00 in the DEPOSIT box. Next, type in the number 3 in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $1,178.32.

Remember, we are going to have to repeat this process 2 more times for a total period of 6 months to prove my point above.

STEP 2:
Now, go back to the top of the form and type $1,178.32 into the DEPOSIT box. Next, type in the number 4, because your interest has range has increased due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $12,395.49.

STEP 3:
Once last time, go back to the top of the form and type $12,395.49 into the DEPOSIT box. Next, type in the number 5, because your interest has range has increased again due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $231,537.66.

Now do you believe me?

We are talking over TWO HUNDRED THOUSAND DOLLARS HERE so if you did not take those 3 simple steps above please write them down and prove it to yourself when you are finished with this article.

I am personally involved with 2 such powerful programs and the interest rate ranges we used in the example above ARE real!

I invite you to take an eagle eye look into this precise program by going to www.lazy-way-to-wealth.com and ask yourself seriously before considering taking action on the Hawaii Bankruptcy Law, could this be the answer you have been hoping for? If you answer with a WHOPPING YES that this is the
p-e-r-f-e-c-t program for eliminating YOUR present debt problems, then please e-mail at theprovenpath@optonline.net and put “Hawaii Bankruptcy Law” in the subject field so I can better assist you personally.

Please feel free to e-mail me anytime at theprovenpath@optonline.net if you have any questions pertaining to this article.

Best Wishes and Wealth Your Way!

Jamie Briggs

Jamie Briggs has been helping people with their finances for 10 years and has written several best selling online e-books. You can contact the author of this article at theprovenpath@optonline.net or visit her website http://www.lazy-way-to-wealth.com for additional assistance.

While it is easy to acquire a large amount of debt, eliminating debt is the complete opposite. Debt may accumulate due to credit card bills, medical bills, unpaid utility bills, and so forth. Despite all efforts and intentions to repay debts, many homeowners find themselves unable to maintain regular monthly payments. Fortunately, if you are a homeowner, there are solutions to getting out of debt.

Low Interest Debt Consolidation Loans

The interest rate on credit cards varies. However, many will agree that the interest rates are extremely high. This factor makes it very difficult to pay the balance on credit cards. For the most part, homeowners opt to get a personal debt consolidation loan for the purpose of getting out of debt.

Consumer Debt Consolidation Options

Personal debt consolidation loans are a quick solution. If you have good credit, obtaining a loan is simple. Of course, you will need adequate collateral. This may consist of a vehicle title or other personal property. In some instances, banks will grant a no-collateral loan if your credit score is high enough.

Each lending institution has different loan criteria. On average, your credit score must be at least 720 to get a personal loan with zero collateral. Most people with good credit are credit responsible and will not risk damaging their score. Thus, creditors are prepared to lend these people money.

Home Equity Loan and Line of Credit

Homeowners drowning in debt have other options. If your credit score is less than 720, you cannot get a no-collateral debt consolidation loan. However, you will likely qualify for a home equity loan or line of credit. These sorts of loans use your home’s equity as collateral.

With a home equity or second mortgage, you receive a lump sum of money. This money must be repaid. The interest rates are very low, and the terms much shorter than first mortgages. Another option involves getting a home equity line of credit. If your home’s equity is $20,000, you may obtain a line of credit up to this amount. For a specified period, you may withdraw money from this line of credit. Use the money to pay off bills, take a vacation, home repairs, etc. Again, this money must be repaid. Therefore, avoid borrowing too much, and try to repay the money quick.

Here are our Recommended Debt Consolidation Companies Online.

Carrie Reeder is the owner of ABC Loan
Guide, an informational website about various types of loans.

Microcircuit, or microchip, video cameras are miniature cameras about the size of a US quarter or smaller and have been around for about ten years. These tiny video cameras have been the cutting-edge of surveillance technology. The cameras are everywhere and are especially useful for documenting instances of theft in the workplace or capturing video evidence for later use in court.

Pinhole video cameras are micro-video cameras that have been designed with a small pinhole in the front of them. They are optimized so that the image sensor can obtain images through a hole the size of a pin, making them very easy to hide and use in covert situations. Many professionals in the surveillance business offer ready-made setups of micro-video cameras built into just about anything including clocks, teddy bears, coffee pots, lamps, radios, etc.

Pinhole and Microcircuit Cameras hidden inside of everyday objects and then used for surveillance around the home are oftentimes referred to as nannycams or nanny cams. The name became popular when videos of babby sitters and in-home child care workers, who were abusing children while the parents were away, began surfacing regularly in the nightly news.

When choosing a nannycam, or building one for that matter, it’s important to watch the quality of the board cameras you are going to obtain simply because the US market has been flooded by low quality cameras that have a limited life and a high rate of failure. One company hawks them for as low as $29.95 but this is definitely not the type of camera you want to use for professional or long-term applications. It’s also important to note that these cameras require that you wire them in the proper manner for power supply and video output which can be confusing to albeit the most technology saavy users.

It’s also important to be aware of the available features of these cameras. Here is what to look for:

Automatic Electronic Shutter Adjustment

Video cameras need to have an electronic shutter that automatically compensates for lighting changes. You will find that cameras without AES will under or over expose the resulting image.

Resolution

Resolution is the number of lines that compose the image captured; more lines equals a better resolution equals a better picture. Many of the lesser expensive cameras have resolution of 360 lines or below. I suggest looking for cameras with 400 lines or better.

Light Rating

Light ratings for cameras are measured in “lux” ratings, which is a measurement of the minimum amount of light needed to capture an image. Many of the cheaper cameras on the market have lux ratings of 1 to over 2.5 and require a lot of light to reproduce an image; you are best staying below 0.5 lux in black and white cameras.

Small Size

Of course, all of these cameras are small. Very small. But size will vary. Size can be as tiny as 29mm (w) X 29mm (h) X 12mm (d) with the best cameras.

Wiring and Power

Many of these cameras aren’t wired; that means you will have to wire them and determine how to route power to them. Some of the better cameras come prewired and allow you to plug them into a standard electrical outlet or a battery pack. Typically these cameras are also prewired with a standard RCA jack to plug into a recorder’s input.

Camera Housing

The better cameras come with a protective housing; the less expensive cameras don’t have a housing are called bare-board cameras. If you are going to install the camera yourself into something like a clock or smoke detector, it’s best to obtain the bare-board camera. The purpose of the housing is, of course, so circuits remain protected during use and remain dust free.

Power Supply

Low quality cameras require a lot of power and will drain batteries very quickly; color cameras consume more power than black and white ones. A short battery life, measured by a few hours, will make using these cameras impractical for most hidden camera applications. Quality professional cameras will give you an extended battery life or offer an optional wall-outlet connection for a limitless power supply.

Aside from these features, there are other important factors to consider. Do you you’re your images in black and white or color? Do you want to use a wireless camera or a hardwired camera? If you use a wireless model, you will also need a video transmitter; these can be quite bulky. However, with the advent of new technology, there are now self-contained microcircuit cameras that have transmitters built right into them while maintaining their very small size.

Microchip cameras can be hidden almost anywhere. They can be set up in a stationary position or hidden on your body. Covert Microchip cameras are most often inserted into the following items for stationary applications:

VCR

Book
Desk Lamp
Table Clock
Smoke Detector
Wall Clock
Floor Lamp
Portable Radio
Coffee Maker
Thermostat
Teddy Bear

A Word About Audio… I am generally against it!

Although you will find a number of covert video cameras and microchip cameras with built-in sound, they are actually illegal; in fact, U.S. Customs has raided some places selling these units in the past. The laws dealing with covert audio recording are much different than those dealing with covert video recording; there is no such thing as a “no party consent” thus, a covert video camera with audio could be considered an illegal eavesdropping devise.

L. Scott Harrell is a noted author, speaker and private investigator with 14 years of experience as a private detective and principal of CompassPoint Investigations.

More information regarding CompassPoint Investigations can be found via his website: http://www.CompassPointPI.com

Everyone should realize that the search engines (sponsored ads aside)are not tools for advertisement, they are meant to be tools for everday web users. Users who search the web are looking for information, thats it. They may want information on how to buy something, or they may simply want to what the weather will be later that day, but the fact is they want information, and search engines are out there to help them find the information!

Search Engines (SE’s) work as follows:

1. They index sites. They do this by following the “web” (after all, the internet is one big web). While indexing one page, they find a link to your new website, and follow that link to your site. Because your site is new, they index you. While not that simple, that is the basic idea.

2. They return to index more of your site. The rate of indexing is dependant on how often your site updates. If the se’s come to a site that hasn’t been updated since the last time they came, the next visit won’t happen again until a while later. Similiary, if you update far too often (this is only a problem with rss feeds), as in more than a few times a minute, you could be considered a spammer, and given lower rankings.

3. Once you have been indexed, your pages will be included for searches. When a search term is typed and entered into the SE’s, they will scan their indexed pages FIRST for keywords (the search term entered). From there it will determine the number of pages with said keywords, and the density. Too few keywords, are far too many keywords will result in lower rankings.

4. Next they will check your link popularity. If sites are linking to your site with your keywords as their “anchor text” (you click on make money, and it brings you to whatever website, make money would be the keywords). The number of link ins, and the relevance of said link - ins all factor in your “link popularity”

5. Finally, they will rank you and display your site based on your keywords, link popularity, frequency of updates, and general size of your site.

http://www.emoneyreport.com - How I make my money
http://www.therealincome.com - How I market to make my money.

It’s easy to forget about medical insurance policies when budgeting for an education. Most students are in the mindset where health insurance is not the first thing on their mind. Teenagers are wont to believe they will be alive forever and that they can not become ill. The truth is, regardless of how well an individual might appear it is no way to predict their continuing good health. The correct health insurance is not merely for those with a lot of money, it’s utterly essential. Individuals who are covered by a parent’s medical insurance are more often than not included up until their 23rd birthday. For those who do not have health coverage on their parent’s plan, obtaining insurance plans for affordable student health insurance has to be an important part of budgeting for college. So what is essential in medical insurance aimed at students? Deductibles: It is a nominal yearly sum you must pay before the health benefits starting, very like a car insurance policy. To illustrate, should the deductible be 500 dollars, you must to pay that amount prior to receiving any payment from your policy.

What’s your co-pay? Once the deductible is met, nearly all medical insurance plans expect you to contribute a portion of the cost of each doctor’s visit, medicinal drug or operation. This is termed a co-pay.

What will the medical insurance policy extend to? Numerous plans do include HMO or Partnership for Prescription Assistance (PPA). Basically this can mean certain physicians might not be included in your list of health providers and may not be included by a insurance policy. Virtually all plans should provide a listing of approved providers, ensure you look at this when you are choosing a policy. Catastrophic coverage: Restrictions are frequent in health insurance plans targeted at students in particular with reference to catastrophic illness, in almost all student policies, the cover is commonly lower than any regular insurance policy.

So what about the limits? Limits are very frequent in most college student health insurance. Study your policy to learn the extent of your cover.

Keep any medical insurance cards close to hand no matter where you go. Illnesses are not only not possible to plan for, but they are regrettably likely to hit when not expected. Ensure to be familiar with your insurance policy, whether you’re included with your parent’s insurance policyplan or you have your own choice of insurance.

Procuring the finest fishing tools is a very key thing to bear in mind when your are considering your forthcoming fishing journey. You must let yourself the best items to get into the “state of mind” & get the optimal benefits of fishing. Acquiring the proper fishing gear will help you in numerous different ways. As you know, the more fishing supplies you have the more pleasurable fishing will be. One of the important questions you should ask yourself is, do you own all that you require before you head out on your fishing expedition? To be victorious you ought to make sure that your fishing outing begins with getting the right fishing supplies. There are a number of sorts of items & it predominantly depends on sort of water you will be fishing at, what type of fish you are searching for & the breed of fishing that you desire.

There are several different brands and styles of fishing reels that have a choice of prices. If you are hoping to take part in commercial fishing you ought to guarantee that your fishing tools is designed for that kind of purpose. Commercial fishing demands a lot more stronger tools. Because professional fishing tools demands 2 to three times the use they fatigue much quicker. This makes it much more rational to spend the extra cash at the start. There are an array of items so that you can make a selection based on desires on top of what you can actually genuinely afford. Find great offers on field hockey bags online today.

The kind of fishing rod is also another indispensable part of the tackle that you will require. You may want to consider what sort of rod that you need for your fishing trip. Just as there are a range of reels there is a mixture of fishing rods to acquire. It is recommended to base your choice on the sort of fish that you are intending to catch.

Searching for a means to finance degree courses can be problematic and may certainly need time. These scholarships are not the same as a student loan because the money is a grant, and, do not have to be paid back. While researching means of funding a university instruction, remember that cash is accessible in unlikely sites, for example left hander scholarships. Funding for Left Handers: - It may appear a little unusual to extend a bursary dependent on a predominant hand, but it’s worth considering this: Bill Gates is left-handed, as is Barack Obama. Michelangelo, Da Vinci, Paul McCartney not to mention Winston Churchill were left-handed as well. Current figures indicate up to eleven percent of the population are left-handed. Unfortunately in the past lefties experienced considerable discrimination, in modern times they are often considered to be more intelligent and more artistic. Stigmatization is now a thing of the past, left handers are no longer thought of as unusual, and may even have many qualities in common with the famous individuals mentioned above.

If you are lefthanded and researching scholarships specifically for southpaw students, many left-handed grants exist which you could obtain. A Frederick and Mary F. Beckley Scholarship for up to one thousand dollars is available at Juniata College stuated in Huntington, Pennsylvania. Granted to scholars going to Juniata College and established in 1979, this school fund has assisted forty plus lefthanded scholars through university.

Be sure you take a look at our brilliant prime source for fortune 500 scholarships ideas!

Some grants do have prerequisites and limitations. This may be minimum grades or monetary needs, but not always. Multiple program applications may step-up the probabilities of financing a college degree with a minimal level of debt. Clubs, groups connected to hobbies and even local organisations may be a source of college grants. Southpaw grants are only an example; funds are also obtainable if you’re a child of a from a armed services household or have a disability, to provide some examples. You will probably need to spend some effort exploring college scholarships, of course the payoffs will invariably be worthwhile. Any debt generated by a university degree may be cut back through such grants employed alongside a normal student loan. Be sure to explore each scholarship. Remember the different options besides lefthanded grants — make a list of your clubs and societies and utilize your creativity. Try for everything you may possibly qualify for, you may keep any costs to a minimum, additionally you will be looking at improved prospects after graduation.

During the boom years in the UK, the city of Liverpool has benefited from modern new office buildings being built and international companies re-located to the region. Unfortunately this situation is likely to haunt the politicians and council members because now more and more of these state of the art towers of glass are decorated with ‘to let’ signs.

There is now officially too much square footage of office space in Merseyside and rent rates have dropped to an uncomfortable level and profit margins are at an all time low. The recession is effectively destroying all the advances that Liverpool has made and the city must take stock and make some difficult decisions.

From the nearly one million square feet of office space occupied in 2007 by the very next year this had almost halved. If that trend continues it could bring this great city to its feet. Drastic measures are needed and fast.

Cheap rents and a lower cost of living will entice business from all over the globe but the income produced will not be enough to generate a long term solution. The declining value of the pound means that potentially every city in Britain is an attractive prospect so Liverpool needs to use its historic status to make it stand out from the crowd. However, the recent phenomenon of desk space rental has been an added bonus in filling empty office space. Nomadic workers in need of desk hire are on the rise.

It’s strategic port and sea board location could make a big difference to certain companies looking for somewhere to move to. The Maersk group of companies certainly can see the advantages and appreciate the vibrancy of this great city.

Part 1 of this article described some of the characteristics of hurricanes and the damage they can cause. In the days before high tech weather forecasting, well organized emergency services, and mandatory evacuation, major hurricanes resulted in hundreds, if not thousands of deaths.

Most deaths, much property damage, and significant financial loss are all preventable with sensible forward planning and early action. Let’s have a look at how you can protect yourself, your family, and your property if a hurricane crosses the coast in your area

To find out more about hurricanes visit http://www.home-weather-stations-guide.com/hurricanes.html

Advance Preparation for the Hurricane Season

The North American hurricane season starts on June 1st, reaches a peak in August and September, and fades out over the next two months. This doesn’t mean that major hurricanes won’t occur before or after the peak - July 2005 set new records for early hurricanes.

Unlike a tornado, a hurricane can be monitored and tracked for some time before its final landfall or decay. If you are a resident or visitor in a target area, you will normally have considerable advance warning of a hurricane’s approach, and time to safeguard your home or prepare for evacuation.

But the best time to start preparing is before the threat is visible. You can do this by

• Insuring your house and property to the maximum extent possible. An up to date inventory of your possessions is a smart move.

• Storing important documents and valuable possessions in a secure place away from your home.

• Checking with your local emergency co-ordinators on the risk of storm surges and flooding, and assessing your risks of damage from strong winds.

• Preparing for evacuation if you live in a high risk coastal area. Familiarize yourself with evacuation routes, and put together an emergency kit which you can grab at short notice if you need to leave.

• Owning a battery operated Weather Radio. This will provide you with warnings about the storm’s location and time and location of landfall, and will also advise when the crisis has passed.

• Considering strengthening your roof against lifting by severe winds - options include roof strapping or extra clips.

• You may also consider reinforcing an internal room as a safe room, a practice recommended for tornado prone areas. A bathroom on the lower level of your house may be ideal, and would provide last resort protection for you and your family against destructive winds.

• Preparing an emergency kit in case you lose power and water during the hurricane. This should contain basic food supplies, water, torches and battery operated radios, a portable bottled gas stove, and anything else that will make life a little more bearable.

  Obviously most of the components of your kit will be somewhere around the house, but imagine how much easier it will be if everything you need is in the one place when the lights go out.

When A Hurricane Is Approaching

• Listen out for hurricane watches, warnings and special bulletins on Weather Radio, normal radio and TV. A Hurricane Watch (which also covers slightly less severe tropical storms which can develop into hurricanes) means hurricane conditions are possible in the next 36 hours. Check for updates on radio, TV, internet.

  A Hurricane Warning means a hurricane is expected within 24 hours.

• Put up storm shutters and secure firmly. Don’t bother with taping windows - it won’t help and it’s no fun to remove when the threat has passed

• Secure all outdoor and garden furniture - store in an enclosed area.

• Evacuate if advised, or if you are threatened by flooding or storm surges, if you live in a mobile home or high rise, or if you feel unsafe. Leave as soon as you can. Turn off power, gas and water if advised.

• If you are staying, assume power and water may be cut. Fill your bathtub and other containers with water, turn your refrigerator to its coldest setting and keep the door closed, and turn off propane gas.

During a Hurricane

• Stay inside. The main dangers are flying debris and downed power lines. Listen to Weather Radio, and don’t go outside until the hurricane has passed. If the eye passes over you, a deceptive period of calm will be followed by the return of strong winds and heavy rain.

• Secure all doors and windows, close off windows with curtains or blinds, and close all internal doors.

• At the peak of the hurricane, go to a safe room on lower floor - lie or crouch under a sturdy table or other piece of strong furniture.

With a little good fortune, these fairly simple precautions should get you through the hurricane safely. You will have done well, and will emerge healthy and fit enough to tackle the inevitable clean up. Good luck.

But always remember that hurricanes are short lived and are only likely to be a threat for a small part of the year. Think of them as an occasional tax to be paid for the benefits of an otherwise pleasant climate.

©2005, Graham McClung. This article is adapted from a free special report on weather emergencies. It can be downloaded from http://www.home-weather-stations-guide.com/tyvm.html

While you’re there, check out the rest of the site for more information on dangerous and spectacular weather.