Bears are notoriously curious not necessarily aggressive. They are however extremely motivated by food. It is their very keen sense of smell that draws them to food out in the wilderness, at your campsite or in your backyard.
It is this same keen sense of smell that makes bear pepper spray so effective.
Bear pepper spray is an effective deterrent in reducing injuries from bear attacks both to the bears and humans.
The Environmental Protection Agency (EPA) is the regulatory agency controlling bear pepper sprays by virtue of an act of Congress. That is tip #1-look for the EPA registration on the bottom of the front label.
All pepper spray is oleoresin capsicum (OC). Human pepper sprays are in the 10-20 % range. If you see a spray that claims it is 10-20 % OC it is not a bear spray.
The EPA requires no more than 2 % of capsaicin and a minimum size can of 7.9 ounces or 225 grams. That is tip #2.
3. The spray should have a minimum spray distance of 25′.
4. The spray should have a minimum duration of 6 seconds.
5. Always carry bear spray in bear country and be ready to use it.
6. When faced with a bear encounter, […]
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The sub prime market for home mortgages is a hot bed of predatory practices. These types of lenders prey on the elderly, borrowers with poor credit who have few options, and less educated and non English speaking customers. They give the entire industry in general and other good sub prime lenders more specifically a bad name.
A” Perfect Storm” of lax oversight, a down market, and hungry investors makes the perfect environment for predatory lending practices. And there are plenty of takers thanks to the aggressive marketing practices of some lenders.
Here are some of the top red flag warning signs for these lenders.
1.MONEY UPFRONT–Definitely a no-no. If someone asks for money upfront RUN don’t walk out the door. Know the difference between this and a legitimate application fee.
2.ARM’S–Beware if an Adjustable Rate Mortgage is the only option offered.
3.BALLOON PAYMENT–Balloon’s are for small kids not homeowners. They are too risky especially for Sub Prime Borrowers.
4.TOO BIG A LOAN–Be wary of a lender is trying to sell you on a loan that is bigger than you need.
5.HIGH INTEREST RATE–If the rate seems too high like more than 5 points over prime-keep shopping.
6.FREE VACATIONS–If the loan is a good one, you should need no […]
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window.document.getElementById(’post-9′).parentNode.className += ‘ adhesive_post’;Remember seeing pictures of a tornado ravaged town with a wide swath of destruction-everything leveled in its’ path but twenty feet away everything is fine. Not a twig is damaged. The same idea applies to victims of home burglary. Why you and not someone else?
In 2004 the Bureau of Justice reported that:
-77% of all crime was property related
-17% of all crime domiciles were violated by a burglar
-85% of all burglaries the offender gained entry into the house or other building.
Did you know that property crime occurs every 3 seconds, a home burglary every 15 seconds. You may be next! You will be if you advertise your home is ready for the taking.
It may seem like a random act but let me assure you it is not. Start by looking at your home from the outside-just like a burglar would. See any hiding places? Does the home have any obvious problems like open doors/windows, garage door open a few feet to let the hot air out, etc.
Maybe the biggest one I know of now is the front door. Almost all home invasions start at the front door with the perp just basically walking in. Why is there a […]
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