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You cannot delegate your personal safety or preparedness. YOU are responsible. Accept The Challenge to prepare yourself - and your loved ones - for any threat or emergency that may come your way.
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The FHA and Fannie Mae and Freddie Mac, which regulators seized in 2008, have been financing more than 90 percent of U.S. home lending after a retreat by banks and the collapse of the market for mortgage bonds without government-backed guarantees.Banks won't make home loans unless they are guaranteed by the federal government. Why? Because no one believes we're anywhere near the bottom of the market. Not even close.
FHA lending last quarter may have topped the combined volume of government-supported Fannie Mae and Freddie Mac in a home-lending market that’s still a “government-financed market,” David Stevens, the agency’s head, said today at a conference in New York, citing research by consultant Potomac Partners.Ya think? (Question to self: How long is this guy going to stay employed with this administration?)
“This is a market purely on life support, sustained by the federal government,” he said at the Mortgage Bankers Association conference. “Having FHA do this much volume is a sign of a very sick system.”
A trio of officers who belatedly answered our calls confessed a fear that arrests might "incite" these trespassers.Feel safe if this were happening on YOUR doorstep?
Low Probability/High Impact Events
In our Emergency Preparedness course, we talk about disaster events that are very unlikely to happen, but if they do occur, the consequences can be devastating.
An extreme example would be a meteor screaming out of the heavens and landing on your house. There is little you can to to prevent it, It's very unlikely to happen, but would be horrible should it occur.
There are a number of events that are much more likely to occur - although still unlikely - yet most people give them almost no thought. Like the meteor example above, there may be little we can do to stop the disaster from happening, but there ARE things we can do to minimize the negative impact.
Do you remember the rioting in LA after the first Rodney King verdict? It was essentially spontaneous. As soon as the verdict was known, the lid came off, and the violence escallated. If you were in the wrong place when it started, you were in immediate, life-threatening danger.
Staying out of LA on the day a verdict was to be presented would have been a prudent decision. You have no idea how it will turn out, and some people might not like it.
The same goes with Super Bowl winners, NBA Championships and World Series final games. People get crazy when big events happen, and that craziness often leads to violence.
Don't tempt fate. Stay away.
But what if you're caught totally off-guard and find yourself in the middle of a threatening situation? Here are some ideas:
Assume the police are overwhelmed. At the very minimum, it will take several minutes for them to arrive. A lot of bad things can happen in 5 minutes. You are now 100% responsible for your own well-being until they arrive, or until you can get to a safer location.
If you're in a car, stay in it and lock all doors and windows. Drive out of the area as quickly as possible. If your tires are slashed, don't stop. Drive on the rims if need be. Escape and evasion are your priorities. Exit the car, and you're likely to become a victim.
If you're on the street, get inside as quickly as possible. If you're able, pick an office building before you pick a retail store, as stores are more likely to be targeted by looters. Move to the back of the building if possible. Try not to go to upper floors - if a fire is started, you may be trapped.
Arm yourself. If you have a firearm, defensive spray or stunning device, have it ready and prepare yourself mentally to use it in self-defense. If these aren't accessible, grab whatever is available.
ALWAYS look for a chance to get to safety.
Never let your guard down.
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For Consideration: What types of events might trigger a spontaneous event in your area? What events or issues are people in your area especially sensitive, angry or concerned about?
A company with a doomsday plan is taking money for what it promises will be a comfortable, nuke-proof bunker under the Mojave Desert, with an atrium, gym and jail, and sloppy joes and pearl potatoes on the menu.Fifty grand per space, deposits of $5000 for adults and $2500 for kids. No charge for Fluffy The Cat.
Robert Vicino, who runs the Del Mar-based company called Vivos, has collected deposits on half the 132 spaces planned in the 13,000-square-foot bunker in Barstow.
An Arizona utility commissioner said he's willing to pull the plug on Los Angeles if the city goes through with a boycott of his state.Wow. Consequences for your actions. What a concept...
In a letter to the city of LA, a member of Arizona's power commission said he would ask Arizona utility companies to cut off the power supply to Los Angeles. LA gets about 25 percent of its power from Arizona.
The results may surprise some who believe that ERs mainly serve uninsured people, says second author Amy Bernstein, chief of the Analytic Studies Branch in the Office of Analysis and Epidemiology for the CDC and the National Center for Health Statistics.The study doesn't say, but my guess is that they go where the free services are offered - mostly to their county hospitals.
"We were trying to show characteristics of people who use the ER. There are some perceptions. ... A lot of people think it's predominantly used by uninsured people because they don't have a normal source of primary care, but this particular brief shows this is not the case," Bernstein says.
Am I prepared to harm, permanently injure or kill another human being to save my life or the life of a family member?I am constantly amazed at the number of people that hesitate when presented with this question. In both of these classes, we've usually discussed using a handgun for self-defense. Many will say that if they had a gun, they would try to "wing" the assailant.
Am I prepared to tolerate the judgment of my family, friends and neighbors if I harm, permanently injure or kill another human being in self-defense?Again, I am stunned at people who give a damn what other people may think of them for saving their own life. But they're out there.
An all-but-overlooked provision of the health reform law is threatening to swamp U.S. businesses with a flood of new tax paperwork.So, now businesses - regardless of their size - will be required to get tax information from every single person or business from whom they buy anything. Not just contract workers, but anyone or anything that you paid $600 or more.
Section 9006 of the health care bill -- just a few lines buried in the 2,409-page document -- mandates that beginning in 2012 all companies will have to issue 1099 tax forms not just to contract workers but to any individual or corporation from which they buy more than $600 in goods or services in a tax year.
"Looking back on them, with one or two very minor exceptions, I wouldn't have cast any of them any differently, even if I had known at the time they were going to cost me my career."Well, Bob, that's why they tossed you out. Utah, like much of America, is sick and tired of representatives such as yourself. We expect you to act as we tell you, not as you choose. Just like any other employee, if you don't do as you're told, you get fired.
European policy makers unveiled an unprecedented loan package worth almost $1 trillion and a program of bond purchases as they spearheaded a global drive to stop a sovereign-debt crisis that threatened to shatter confidence in the euro.The dollar is garbage. The euro is garbage. You don't own precious metals, why?
Appleseed is a program that instructs Americans on the traditional rifle marksmanship skills that have been passed down from generation to generation, along with reconnecting today's Americans with the people and events of the Founding era. Participants are taught fundamental rifle marksmanship skills that are required to allow a Rifleman to be accurate out to 500 yards, with iron sights, standard rifle and surplus ammo. This is the traditional 'Rifleman's Quarter mile', which is an uniquely American Rifleman skill, that has been part of this nation from the very first days.
Most of the instruction at an Appleseed is conducted at 25 meters, at reduced size targets to simulate 100 to 500 yards. This well proven technique allows us to concentrate on the shooter's mechanics and less time walking a range. At those locations that allow for actual distance shooting, participants are often able to see first hand that the skills that they learn at 25 meters directly apply to actual distances out to 500 yards. These foundational skills are not being passed on to future generations, and so Appleseeds are great for new or experienced shooters alike.
NBER COMMITTEE CONFERS: NO TROUGH ANNOUNCEDIn economic-ese, a trough is a low point in a recession.
After prior recessions, many of the lost jobs came back quickly and people more or less resumed their former lives. But this time, economists think many of the 8.4 million jobs lost during the recession are gone for good, with a tumultuous period of adjustment ahead.I thought the stock market was a reflection of future economic expectations. If people don't have jobs, how can the buyers of stock believe the companies will be growing? I must be looking at this too simplistically, or something else is going on here.
The Bureau of Labor Statistics (BLS) today released their Producer Price Index (PPI) report for March 2010 and the latest numbers are shocking. Food prices for the month rose by 2.4%, its sixth consecutive monthly increase and the largest jump in over 26 years. NIA believes that a major breakout in food inflation could be imminent, similar to what is currently being experienced in India.All the while more and more Americans are having difficulty in making ends meet -
Food stamp usage in the U.S. has now increased for 14 consecutive months. There are now 39.4 million Americans on food stamps, up 22.4% from one year ago. The U.S. government is now paying out more to Americans in benefits than it collects in taxes.---