Importance of Life Insurance for You

There is no doubt at all that you love your children very much so that you do the best for them. Even though it seems to be the basic things you can do naturally, you should know that you can do more to provide the best for your children. Even for the future, you can start doing something important now as the plan or life arrangement. In this case, you can afford the protection for your children financially when you have to leave them forever by buying life insurance.

You know that buying life insurance is important for you and your children. Therefore, you should be smart enough in choosing the best life insurance since different types are offered now by different companies. You should make sure that you consider anything related to the life insurance before you really buy one. A common thing you can consider is the quote. It means that you should find the best one based on the quote. To find the best, you just need to do something simple and fast like what you can do on the linked website on this article. Now, you do not need to wait and think any longer. Just visit the site to get the best life insurance quote for you and your family.

Applying for Payday Loan as the Action to Get Financial Help

Some friends of mine usually share their problems by updating their status on their facebook accounts. When I read the status updates, I just can’t understand why they keep talking about the bad things they get. Even for the financial problems they get, they share them with the others. For me, it is ridiculous to share the problems because it is not necessary. Besides, sharing such problem on the facebook could be useless because they cannot find the solution for the problem. It must be more useful to open a new tab and visit the site that can help them solving the financial problem such as online payday loan.

Well, solving problem needs action. You cannot only share the problem because you may find no answer to solve it. For instant cash need, you just need to find the lender that can help you with the cash you need. My recommended site is easyonlinepaydayloan.com. On the site, you can find the best lender just by filling a simple form. You just need to mention the amount of money you need and the time you need the money. You may even find the homepage of this recommended payday loan site to find out how trusted the site is. Well, do the necessary action by visiting the site now!

Self-Defense: Nonlethal Weapons - Which One Is Best For You?

Until nonlethal weapons such as stun guns and pepper sprays came into being, the main alternative in a confrontation was deadly force. The effectiveness of nonlethal products has helped propel them into the forefront of the mainstream of society. Stun guns and pepper sprays have really come into their own only since the 1980's so they're pretty new on the scene of self-defense.

It's a big decision to make when choosing a product that may have the potential to save your life. So we'll take a critical look at these nonlethal weapons-these self-defense products- to help you decide which one might be best for you.

As a foundation for this discussion, you should know that all police officers have a nonlethal alternative with them when they go after the bad guys. That is part of their continuum of force which allows for the least forceful all the way up to the deadly force as a final alternative.

They must make those decisions in a split second: you don't.

Here we will take a look at the major categories of nonlethal weapons and discuss some of the pros and cons of each to help you decide which one might be the best for you.

Pepper spray is the most widely used nonlethal weapon in the world. It was originally developed for crowd control and the use in apprehension of criminals and is still used that way today by law enforcement authorities. But it has morphed into a prime self-defense product for civilians. One of the reasons they are more popular than stun guns is that it creates an area of separation between you and the assailant. Stun guns require a physical application of the device to the assailant which many people find objectionable. Pepper sprays disable an assailant for up to 45 minutes by causing severe pain, difficulty breathing and excessive tearing of the eyes. They are small and very inexpensive. Many of them have key chain attachments which enables you to carry them with you literally wherever you go.

Stun guns are the second most popular nonlethal weapon. They are hand-held devices that discharge an electrical shock that can disable an assailant for 5 to 10 minutes. The shock comes from stored energy inside the gun from two or more probes on one end. The electricity cripples the body by depleting all the blood sugars so there's no energy left. They are more expensive than defensive sprays but, like them, are close to 90% effective.

Personal alarms are the third category of nonlethal weapons and are really not a weapon but a device that sounds a loud alarm scaring away an attacker and drawing attention to your situation. They are very effective and are generally inexpensive as well.

Our recommendation always has been to carry a pepper spray and a stun device. Use the pepper spray first then if you happen to miss, you have a stun device as a backup.

Self Defense - What Makes Pepper Spray The Number One Product For Personal Protection?

There is no doubt that pepper spray is the number one selling self-defense product for personal protection. Pepper spray or OC spray as it is sometimes called, is preferred by millions around the world as their product of choice when it comes to self-defense especially for female self-defense.

Every law enforcement officer in the country has a canister of pepper spray or defensive spray on his utility belt. The United States Postal Service has issued all their letter carriers with pepper sprays to defend against dog attacks.

So what makes pepper spray so effective? What makes it the number one product for personal protection? In our opinion it is close to obvious. In summary, it is relatively cheap, very effective and can be used from a distance. Let us elaborate a little more on these characteristics.

OC sprays are without a doubt the least expensive of all self-defense products. Many of them are available for less than five dollars each.

Defensive sprays are on average close to 90% effective in disabling an assailant in an assault. They come in a wide variety of styles, colors and disbursement methods from dozens of different manufacturers in the United States. So there are plenty of choices to choose from.

They can disable an assailant for up to 45 minutes from a short burst in the face, which will cause near debilitating pain, excessive tearing of the eyes and it makes breathing very difficult. It is truly nasty stuff.

Defensive sprays have a range anywhere from six up to 25 feet which for many is a distinct advantage over a stun gun, for example, which must be physically applied to an assailant for it to work. A lot of people, women especially, do not like that physical contact if it can be avoided. That is why they prefer pepper sprays.

Some come disguised which may be an advantage in certain situations. Probably the most popular disguised spray is the lipstick pepper spray, but there is also a pen that has spray in it.

There is a lot of confusion about how they are rated for effectiveness. Here are some terms to become familiar with. Scoville heat units is a common measurement of hotness. The minimum for any pepper spray is 2 million Scoville heat units while some claim to have as many as 5.3 million. The percentage of OC in the product is another common measurement of hotness. Most units are 10% concentration of oleoresin capsicum but some go as high as 18%.

Another measurement is the CRC (capsaicin and related capsaicinoids) strength. Most defensive sprays have a minimum of 1.3% while bear sprays have a minimum of 2% CRC's. One more measurement is a certified heat rating as verified by an independent laboratory.

So now you know what makes it so effective and thus the number one selling self-defense product in the world. Remember, it is your life that you're protecting. So choose wisely when picking a one.

Self Defense for Women: A Matter of Life or Death

Both women and men face the threat of violent attacks at some point in their lives. But the statistics for women being violently attacked are staggering: 3 in 4 women aged 21 and over have a chance of being attacked in their lifetime. It is frightening, but law enforcement officials recommend self defense for women class, as a means for avoiding this terrible crime.

When you think of self defense, you might think pepper spray, a quick jab in the eyes with your keys, or a swift kick in the groin. But in reality, self defence for women means doing anything and everything it takes to avoid an attack or stop an attacker, it involves using your head, as well as using your fists.

Here are some valuable self defense for women tips from the experts:

Use Your Head

One of best ways to protect yourself is to avoid getting in to situations that would compromise your safety. Use your head, and most of all, trust your instincts. If you are out in a less-than-crowded place, like a park or a mall parking lot, and you get that uncomfortable feeling in your stomach or you can't help but look over your shoulder that could be your instincts telling you that trouble is near. Remember, fear is your friend. It is not a sign of weakness; it is a means of survival.

Here are some other easy ways to protect yourself:

Be aware of your surroundings and the people in them at all times.
Walk briskly and confidently, so you won't become an easy target.
Keep a cell phone handy and call someone if you feel uncomfortable.
Make sure that someone knows where you are at all times.
Travel in groups, especially at night; there is safety in numbers.

As a woman, you must be more observant of your surroundings, situational awareness is critical in keeping yourself safe. Crimes and other types of violence are very prevalent these days and your chances of becoming a victim continue to increase. By learning the basic strategies in self defense it will help you avoid becoming a victim of a violent crime.

For additional techniques, you may also enroll in a self defense for women class at your local police department, martial arts school or check out some of the online self defense training programs. These classes are designed especially for women to help them learn to be smart and safe!

Women's Self Defense: The WHY

Anyone can sit down and watch the news on a given day or turn the radio on and see yet another instance of an assault or even worse. Normally these situations become so prevalent and wide-spread, that the viewer eventually becomes oblivious to the news.

Until... ?

It hits home. When a story or situation hits home, (personal, family, friend, co-worker, or when it just simply moves into your neighborhood or surrounding area) this is usually a "wake-up" call to anyone that is now consciously aware to take the next step.

What... ?

The next step is always some type of action, since inaction in one's mind is no longer an option. Otherwise one would still be "asleep" in our example. Action is now taken in searching out a hands-on class for some type of personal defense or self-protection. And then the entry level or degree of activity also kicks in, meaning armed or unarmed. Now comes the research.

Where... ?

The quickest way to get immediate action is of course the internet and Google. Most would then sit down and type in any myriad of search terms from self-defense, women's self-defense, martial arts, defensive tactics, firearms training, personal protection or even just karate or karate classes. Now the fun begins.

How... ?

How to go about and actually, "sticking the toe into the water" now that one has all of this information on where, but the search can be overwhelming and thus the adventure begins!

Goals... ?

We recommend that you sit down and plan, maybe not on paper, but certainly at least have the proper goals in regards to what you are actually looking for:

What type of class are you looking? (private, group, hands-on, defense, traditional martial arts, firearms?)

How long do you want to train? (Are you looking for the quick stop plan - a few sessions to get a brush-stroke view of basics, or possibly something longer or maybe even on-going or routine maintenance training?)

How much money or what is your budget? (This is very important, especially today.) Most trainers one can haggle with or put together package plans based on it you are willing to continue some type of ongoing training. It certainly never hurts to ask. Since it is a win-win.

What distance are you willing to commute? (You'd be surprised how few really look into this factor and are shocked once calling and finding out about a great program but is simply not good enough to drive that extra 10-20 minutes one way. And now you've wasted what in some cases can be a very long detailed phone call with lots of Q & A.)

Are the person's references or credentials important to you? (Anyone can train or instruct, few can actually teach and meet your goals in a one-on-one or even group setting.)

Is there anyone that you'd like to talk to in your sphere of influence? (It's more relaxing and less stressful to take any type of class along with a friend or family member. You at least know someone and it's proven that adults especially learn better and retain more in a less stressful situation.)

These are all great places to start, provided that there is a why or reason to get up and do something.

More to come...

The Author has close to three decades of training and study in various martial arts or styles, travels and networks with some of the largest Academies, of all Arts, styles and business models around the world. To learn more about some local training in Pittsburgh or other areas check out

Self-Defense: Batons Come In Three Varieties - Which One Is Best For You?

The history of batons goes back to the Victorian age in the mid-1800s when London police officers carried truncheons that were foot long pieces of wood called Billy clubs. Then, as now, they were used by law enforcement officers as a less lethal weapon to gain compliance to a lawful order.

They may be made of wood, plastic or metal. They are still used today by law enforcement officers, prison staff and security guards. The baton is not designed to be a fatal lethal weapon. However, they are illegal in several jurisdictions throughout the world and even in the United States because they can be lethal. They are among the most effective self-defense products.

They can be "used to strike, block, bludgeon or aid in the application of arm locks."

In the modern era almost all batons are made of metal. A wooden nightstick is a very specialized piece of equipment that you will see from time to time. Police officers, especially, used to carry wooden batons.

There are basically three types of batons - stun, telescoping or expanding and fixed length baton.

1.A Stun Baton can be either telescoping or expandable or fixed length with a variety of voltages for the stun device. The stun baton is not meant to be used as most batons for striking or jabbing. It is used exclusively as a stun device. A telescoping stun baton is one of the most popular stun devices sold because it basically extends your reach by close to 2 feet. It has been used for self-defense against dog bites and dog attacks. Most stun batons have other features as well, such as a flashlight or an alarm.

2. Fixed Length Batons are a popular variety of baton too. They come in lengths of as little as 12 inches to as much as 31 inches. There is one variety of a fixed length baton called the kubaton that is generally about 5 1/2 inches long and can be carried on a keychain.

3. Expandable or Telescoping Batons come in different sizes. Most are about 11 inches long when closed and can go up to as high as 31 inches when opened.

If you have ever hit your shin on a solid object by bumping into a piece of furniture for example, you know the pain that is inflicted. That is the idea behind the baton. A self-defense baton is a very effective weapon. It can be deadly as noted - that's why some jurisdictions in the U.S. have made it illegal.

In the hands of a trained professional, even a small kubaton can save your life. All these varieties are effective self-defense products, so you can decide which is best for you.