With all of the emphasis in the past few years on Homeland Security, many people have overlooked the importance of home security. While it might not make the first story on the news, when your house is burgled, safeguarding your home soon becomes the most important issue in your world.

The Facts

There’s no reason to wait until it happens to you. According to the US Bureau of Justice Statistics, about 75% of all crime in the United States is property crime. In 2003, there were 14 million thefts of property. In 83% of these crimes, the burglars actually entered the home or some other building to steal property.

According to the FBI’s Uniform Crime Reports, residential burglaries in 2003 averaged $1600 in property or cash loss per incident. This does not include repair of locks, doors, windows, and other destruction. Are you willing to give $1600 (not to mention the security of your home and safety of your family) to a burglar?

It can happen to anyone. Whether you live in an urban, suburban, or rural area, you are a target of burglars. What are you going to do about it?

The Options

Never underestimate the resourcefulness of an intruder. Simply locking your doors and windows isn’t enough. If you can think of a way to get into your home, surely someone who makes crime his living will be able to as well.

You also shouldn’t overestimate the resourcefulness of neighbors. Neighborhood watches are fine, but how many of your neighbors spend every hour you aren’t home watching your house? How would they distinguish between a furniture delivery and a robbery? Can you tell just by looking if someone is simply walking for exercise or casing houses for possible burglary attempts? Even houses less than a mile from police stations are easily robbed.

There are more effective options that will prevent break-ins and make your home secure.

Home Alarms

A simple loud noise will not deter a criminal. Your neighbors are likely to turn up their televisions to drown out the sound. Battery and even electrically operated sound alarms are easily thwarted by criminals.

If you are going to use a home alarm, you should use a monitored system. When you decide between monitored home alarm systems, you generally have three choices – a do-it-yourself system, a national monitoring system, and a local home security company system.

The do-it-yourself installation systems are by far the cheapest. You need a bit of technical know-how, and you need to know how an intruder enters. When you buy your own equipment, you have your choice of companies to monitor your system. Some systems let you program additional numbers to be called when the alarm is triggered, which isn’t as helpful as you’d think. By the time you or a neighbor is able to react and call the police, your burglar is usually long gone. It’s best to stick with the pros.

National alarm system monitoring services (such as ADT or Brinks) are the most popular. Common customer complaints include being taken advantage of on installation. The national companies contract installation with independent dealers. Many ADT and Brinks customers have reported outrageous quotes, having to negotiate with the installer, and advertised specials being worthless. Other problems include monitoring errors and slow reaction time. When an alarm is triggered, the company calls you to determine if the alarm went off by accident (the large majority of home alarm triggers are accidents by the home owners). If they cannot get you on the phone, they will then call the proper authorities. Unhappy customers have reported no calls at all or very delayed calls. These companies also require you to contract with them for a specified amount of time, usually 2-3 years, even if you are unhappy with their service.

Local alarm monitoring systems are usually less expensive with higher levels of customer satisfaction. A local company will have fewer customers, so you are more important to them. You will get a less expensive, yet completely effective installation by an actual company representative. Because these companies rarely require long-term contracts, you have more freedom to change monitoring companies. Knowing this, they will usually charge less per month and put forth more effort to keep your business.

Any home alarm system comes with a useful lawn sign indicating that your home is protected by an alarm system. This, alone, is a form of prevention as a thief is more likely to hit a house without an alarm system. Alarm systems are also great for fires and other emergencies. Usually as an added feature, you can hook smoke alarms up to your monitoring system. If a smoke alarm goes off, the fire department is notified. This is especially beneficial during the night or if you leave pets at home during the day. Panic buttons are good if you happen to be home during a break-in or you have a medical emergency. You should also get a break on your homeowner’s or renter’s insurance when you have a system installed. Monitored home alarm systems are definitely worth the investment, but you shouldn’t stop there.

House Sitters

Even if you have an alarm system, house sitters are invaluable. If you leave your home to go on vacation, your best defense is having actual people in your home. The majority of burglaries in the United States happen during the day while people are at work. Criminals will take the easiest route. If people are in their targeted home, they will move on to a house that appears empty. The problem with traditional house sitting services is that they simply make one or two trips to your home a day to collect mail, open curtains, water plants, and throw off criminals. That still leaves about 23 hours in the day that your home is vulnerable to intrusion or fires.

The best house sitting option is to have people living in your home. If you have a friend or family member stay at your home full-time throughout the length of your vacation, you will worry less about burglaries, fires, and other problems such as coming back to a flooded home because of a broken hot water heater.

Having a house sitter also cuts down on preparation time and expenses before your vacation. You won’t have to have your mail stopped (all a criminal has to do is watch your postal carrier skip your house to assume you’re on vacation), buy and set light-timers, or even board the dog.

Don’t have a friend or family member who can stay at your home? There are services available that match up people and live-in house sitters. It’s as though someone is renting your house while you’re on vacation, only they generally don’t pay you rent. They will pay utilities, mow the lawn, take care of your mail, pets, and home while you’re away. They will notify you of any problems. The services help you screen candidates and find the perfect person, couple, or family willing to take care of your home.

The Solution

The very best prevention you can implement is a combination of 24-hour home alarm monitoring and a house sitter if you are going to be away for any length of time. Don’t become a statistic. Start protecting your home today!

Millions of people everyday rely on fire extinguishers to put out minor fires which start in the home. Fire extinguishers contain a powder which is known to instantly put out a fire and prevent it from spreading any further. In 2004, fire extinguishers saved over 25 lives in the United States and prevented over 1,500 injuries. Fire departments all over the world encourage home owners to have at least one fire extinguisher in the home at all times. That said, studies show that approximately 80% of homeowners do have at least one in their home, but the question is do they know how to use it?

Sure it’s great to know there’s a fire extinguisher close by if you ever need one, but what most people don’t understand is if you don’t know how to use these devices, they are practically useless. Everyone should know how to use a fire extinguisher and if you are one of the many who don’t, the follow steps will provide you with everything you need to know.

The easiest way to learn how to use a fire extinguisher is to memorize the acronym P.A.S.S. and memorize the meaning of each letter. The following list will provide you with the meanings of each letter:

P – The first letter to remember is “P”. This indicates to the user to pull the pin. Pulling the pin is the first step in the process and is crucial to the successful execution of fire extinguishers.

A – The “A” stands for Aim. This tells the user to aim the fire extinguisher nozzle towards the base of the flames.

S – The first “S” stands for Squeeze. This advises the user to squeeze the trigger while maintaining the extinguisher in an upright position.

S – The last “S” stands for Sweep. The user will then sweep the extinguisher from side to side making sure to cover the area of the fire completely.

Remembering the word PASS can save the life of you or someone you love.

Having a fire extinguisher in your home is a great idea however the location of your extinguisher is a determining factor in whether or not it will be useful. You will want to keep your fire extinguisher in areas which are most likely to produce fires such as kitchens, near fireplaces, garages or areas with a number of candles (perhaps a bedroom).

Do not keep your fire extinguisher near your stove. Stoves are a prime target for fires and should a fire break out near your stove, you will want to be able to access your extinguisher. You may also want to keep your extinguisher near an exit so you can leave it the fire becomes too large.

Start by making a list of your possessions, describing each item and noting where you bought it and its make and model. Clip to your list any sales receipts, purchase contracts, and appraisals you have. For clothing, count the items you own by category — pants, coats, shoes, for example –- making notes about those that are especially valuable. For major appliance and electronic equipment, record their serial numbers, usually found on the back or bottom. It shouldn’t take you very long at first… TV, clock radio, clothes, and your goldfish!

• Don’t put it off!

If you are just setting up a household, starting an inventory list can be relatively simple. If you’ve been living in the same house for many years, however, the task of creating a list may seem overwhelming. Still, it’s better to have an incomplete inventory than nothing at all. Start with recent purchases and then try to remember what you can about older possessions.

• Big ticket items

Valuable items like jewelry, art work and collectibles may have increased in value since you received them. Check with your agent to make sure that you have adequate insurance for these items. They may need to be insured separately.

• Take a picture

Besides the list, you can take pictures of rooms and important individual items. On the back of the photos, note what is shown and where you bought it or the make. Don’t forget things in closets or drawers.

• Videotape it

Walk through your house or apartment videotaping and describing the contents.

• Use a personal computer

Use your PC to make your inventory list. Personal finance software packages often include a homeowners room-by-room inventory program.

Storing the list, photos and tapes

Regardless of how you do it (written list, CD, floppy disk, photos, videotape or audio tape), keep your inventory along with receipts in your safe deposit box or at a friend’s or relative’s home. That way you’ll be sure to have something to give your insurance representative if your home is damaged. When you make a significant purchase, add the information to your inventory while the details are fresh in your mind.

The first step is to determine who or where you will buy your safe from. There are many places to buy a safe today, you can buy from a “big box store”, an office supply store, a furniture store, a hardware store, online, or even from a professional safe retailer or locksmith.

With any other than the safe retailer or locksmith you run the very real chance of not being able to get qualified advice as to what you need, not being able to arrange service or repair should the need arise. When you buy from a professional safe retailer or professional locksmith who also sells safes, you are likely to be dealing with someone who knows which safe will best fill your unique needs, these people make their living by selling safes, they know how a particular type or model will perform, they know the features and benefits, and what they are meant to protect. Being the experts they are, they also offer service, repair and delivery services.

Would you really trust the protection of your priceless valuables to the advise you will receive from a minimum wage stockperson at a “big box store”?

What do you want to protect and what do want to protect it against? Cash, jewelry, guns, important papers, or computer media could all require a completely different kind of safe.

Modern safes are manufactured specifically to protect against specific threats, a safe meant to guard against burglary, may not protect papers from fire. A fire safe, because of how it works, may actually destroy computer media or video tapes.

Burglary and jewelry safes are tested and labeled by a testing group according to how long it would take an expert thief, with all of the proper tools to break into the safe. The more time it would take, the more you have to pay for that safe. Contact your professional safe retailer for a complete discussion on burglary ratings.

Modern fire safes manufactured in the United States are tested and rated to keep the interior temperature below 350 degrees Fahrenheit for a specific amount of time, usually expressed in hours. The char point of paper is 405 degrees Fahrenheit, so therefore would be protected from burning. This is accomplished by the fill material in the safe releasing trapped moisture in the form of steam to keep the temperature within the proper range and seal entry points against heat and flame. This release of steam could destroy video tapes, photographs, and computer media.

Modern media safes are constructed using a dry fill that does not release moisture. These safes are usually much more expensive.

With the opening of world trade, and markets in the last few years, there are many safes being sold that are built in other countries, and some of them are labeled by groups other than ULâ. Some of these safes are very well constructed, some are very poorly constructed. The problem is that the testing standards are not the same, the construction requirements are not the same. It takes real diligence to be sure you are getting the protection you think you are getting. This is another reason you need to seek out a professional safe retailer.

Next you should decide what size safe you need, be very honest with yourself when estimating what will be kept in your safe, it may only be a little more expensive to buy a larger safe than you need today. Having to buy a new larger safe could be much more expensive.

If you buy a properly rated safe, built to protect what you are putting in it, could result in homeowners insurance savings, check with your insurance agent. Be sure that you follow whatever requirements they may have, failure to do so could result in no coverage.

Have your needs defined, and your questions ready, then visit a professional safe retailer or professional locksmith.

You may not believe it but most burglars do not plan their break ins. They are crimes of opportunity. They pick what appears to be a simple target. If they see a greater risk than they anticipated, they move onto a safer target. Therefore the more effort you take to keep your home from seeming to be a simple target, the safer you will be.

A multilayered structure is the best way to approach arranging your home security, and the first layer is the landscaping and other features of your yard.

Landscaping and Yard Security

A few simple changes to your landscaping can help to protect your home from would be burglars. They are looking for a home they can get into and out of quickly; the more time they spend in your home the more chance of getting caught. Their best target is a home surrounded by tall hedges and shrubs, which restricts visibility from the street and your neighbours’ houses.

Trim your shrubbery and trees so that your doors and windows can be seen by neighbors, and from the street, by forgoing a little privacy you will not be providing a hiding place for a burglar. If you have more than one floor, prune trees away from upper floor windows to prevent an intruder using them as a ladder, also make sure any trellises won’t provide a convenient ladder to gain entry to the upper floors.

All planting close to the sidewalk, driveways, doors or gates, should be kept low say no more than two feet in height. As you move further away from the sidewalk you can increase the height but keep it down to no more than four feet.

Any plant under the window should be kept below the windowsill.

Trees should have their lower branches trimmed to at least seven feet off the ground.

Be sure to keep your lawn trimmed; an uncut lawn will indicate to a potential burglar that you have been away from your home for some time.

By placing gravel on the ground under windows you will be warned if someone walks on it, this can be a useful psychological deterrent. Remember not to have any large rocks or stones near glass windows or doors. There’s no point in providing a burglar with his tools!

Plant spiny (thorny) plants along fences and under windows, and on border fences, roses are ideal. Protecting your home with spiny plants is as good as using barbed wire, and it looks a lot better too.

Street Numbers.

Make sure your house number can be seen easily from the street. This can save time for the police and emergency services if they need to find your home.

It is best to use numbers made of reflective materials, or alternatively black on white, they should be at least six inches high to facilitate visibility from the street. Keep the number clean and trim any plants, so it can be seen. The number should be illuminated and near the front door or the garage entrance.

Limiting Access to Yards and Store Rooms:

The main thing burglars are looking for is an obstruction free and speedy exit. Fences will stop burglars from carrying away your larger processions, if the gates are locked. Gates should be locked at all times!

Make sure that any ladders and tools are stored in a garage or a storage shed, and these should be locked when not in use. To increase security chain your ladder to the wall of the garage when it is not being used.

The idea is to use the landscaping to control access to your property. Proper fencing hedges etc. create barriers that will make a potential burglar feel uncomfortable as they approach your home, but will not prevent a neighbour or passer by from seeing any unusual activity.

I will be covering additional steps you can take to improve your home security in the next article in this series.

It is a well-known fact, that satisfactory lighting is a very valuable deterrent to crime. Whatever lighting might help reduce your risk of becoming a victim, the right lights, utilized properly will be the effective deterrent to burglars and other intruders and improve your home security.

Exterior:

Outside lights are critically important, especially near doorways and at the rear of your residence, where break-ins typically occur. All round security lighting that is set-up high out of reach, and is tamper proof, will greatly improve your home security and help to protect your home.

Lighting in carports and garages is critical. An automatic garage opener is the best choice. All the best garage door opener fitted today use a light that operates when the opener is activated, lighting the garage interior. In carports, it’s best to leave a light on permanently, have a light on a timer, or use a motion sensor to activate the light.

It is best to use a motion detector on all exterior lights that are not left switched on. The principal benefit of this for home security, especially in the backyard, is that the light warns you that someone is in your yard. When there can be some problem that dogs, cats, or even birds will trigger off the sensor and cause the lights to come on, if you set the sensitivity of the sensor right this will not be a issue. In the front yard, any type of lighting will be efficient, but make sure that the lighting design covers the entire front and sides of the home. Sensors can be utilized however they will be prone to “false alarms” induced by things like people walking down the sidewalk, or also kids playing.

Inside:

Whenever you go out for the evening, I suppose that like most people you leave a light on, the Police call these lights “burglar beacons”. A burglar beacon is a single light that is left on so you do not return to a dark home when you get back.

Regrettably these lights are a sign for the burglar that you are out. When you go out for the evening or away on holiday make certain several lights are left on, in different parts of the home, and furthermore a radio, put them on timers, from the exterior your house should look as if someone is home at all times to improve your home security.

That’s it for this time; in the next article we will look at sorting out the doors on your home.

“An ounce of prevention is worth a pound of cure” that saying is as true for crime, as it is for health. After taking literally thousands of reports over the years I spent as a police officer; I found that a lot of crimes that had happened could have been prevented. The easiest and most effective way of dealing with crime is not be a victim of it in the first place. This is easier said then done, and no matter how cautious you are you can still be a victim. Nothing will give you a 100% guarantee; however, there are things you can do to at least limit your odds of being a victim. But first; you have to know what you are preventing yourself from, in order to know how to prevent against it. This article will in general show you some of the common criminal types, and give some suggestions on how to avoid them. I have made up my own classifications for these people based upon my experience as a police officer.

Passive thieves:

Passive thieves are those who steal but are not aggressive towards their victims. They prefer their victims not to be around. These people usually are the ones who will break into your car, home, business etc. They are impulsive and really do not think much about the penalties they will face if they get caught. Sometimes they pre plan to do a crime, but other times they see an opportunity and go for it. For example: a thief is walking through a parking lot and sees a laptop sitting on the front seat of a unoccupied vehicle. Next thing you know the window is smashed and the laptop is gone.

Now the thief didn’t preplan to take the laptop, or to target that particular vehicle. They just saw an opportunity and went for it, without even thinking for a second about who the victim is, or what will happen to them if they get caught. Some of the common items they steal are cash, checks, credit cards, purses, laptops, or if they break into your home they will also target: desktop computers, TV’s, VCR’s, DVD player, tools, jewelry, basically anything they think they can turn into cash. These types of criminals are some of the easiest to deal with from a preventative nature. Because they are always looking for an easy opportunity, your best defense is not to give them one. Some of the common things people (potential victims) inadvertently do which create easy opportunities are listed below.

• Leaving their keys in the car
• Leaving the house unlocked
• Leaving the car unlocked
• Making it obvious that they are gone for an extended period of time.
• Leaving valuables in the car that are in plain view
• Leaving their vehicle running while unattended
• Leaving their purse in the shopping cart while shopping

These are just a few examples to give you the general idea. In my book “Crime Awareness 101” I cover the above bulleted items in much greater detail. I also break down 11 specific crimes and give more preventive tips, and I include what to do after the fact.

Aggressive thieves:

These types of criminals are much more dangerous and much harder to prevent against. They mostly focus on doing armed robberies, and expect their victims to be there. They are violent in nature and very unpredictable. They care nothing about the victim, and lately it appears that they are more then willing to kill. The do pre plan their crimes somewhat but not usually very well, their main tool of control is their intimidation, and the weapon they carry. Even without a weapon they can be dangerous and will fight ferociously. They usually wont stay around long if they are just robbing a business, or an individual on the street. However; if they take the victim somewhere or get into get them in a insolated area, then the crime may turn to rape, aggravated assault, or murder. Here are some activities which may invite this type of problem.

• Not being aware of you surroundings
• Being alone late at night, or in unsafe areas
• Displaying large amounts of cash or valuables
• Working at convenience stores, or gas stations.
• Letting people in your home that you do not know.

In my book “Crime Awareness 101” I give detailed explanations about the above bullets, and what to do about it.

Passive Assaulters:

These are your date rape type. They are not actively aggressive however they are sneakier. They preplan their attacks, or take advantage of someone who has put themselves in a vulnerable position ( for example someone who is passed out from intoxication or drug use). They will appear to be your friend and then slip something in your drink (date rape drug) to knock you out, where they can then take advantage of you. The unfaithful business traveler can also fall victim to these criminals. Only this time it will be an attractive female who acts as if she is attracted to him. When they get alone she will slip something in his drink to knock him out and then rob him. Usually the unfaithful business traveler is too embarrassed to report this type of crime so you don’t hear about it much. The date rape criminal is the one you need to be concerned about. In my book “Crime Awareness 101” I give a complete explanation on date rape and what to look for including the following topics:

• Potential date rapist behavioral signs that should raise a red flag
• Circumstances that are favorable to this crime and how to avoid them
• Preventative tips for both rape and date rape
• Suggestions of what to do when confronted with a rapist

Alcohol induced troublemakers:

These types of people are normally pretty descent people, but when they drink they become a monster. We had one person who was huge, strong as an ox, and when he drank look out it was going to be fight night. We would always have to wrestle with him, once we had him cuffed and in the back seat of the car. He would sit and smash his head against the plastic divider so hard that he would cut it open, and then off to the hospital we would go. Once he got into a cell he would do the same thing against the cell wall cutting his head open and again off to the hospital we would go. Usually arresting him meant a fight, two trips to the hospital, and having at least three officers tied up for hours. Yet when he was sober he was the nicest guy, alcohol just made him extremely violent. Of course he mixed a few drugs in there too, but alcohol was the main cause for his violence. You will encounter these types at the bar, sporting events, large parties, and unfortunately sometimes weddings. The best defense against these types is just stay clear of them, and don’t get into any confrontations with them.

Silent Assaulters:

These are typically your domestic violence types. They are outwardly pretty meek and mild, where most people that know them outside of the home would never think they are domestic abusers; however, inside the home structure they are very controlling, and that control is enforced through physical assaults and psychological degradation. I remember one incident where a woman was severely beaten by her live in boyfriend. She was surprised that she ever got into this situation. She stated that she was an educated professional woman, and her abuser was a well educated man making a six figure income. According to her, he is kind off a geek that nobody would give a second thought of as far as being a threat. However, he beat her so badly that she was hospitalized with a closed head injury. It’s very important to really know the person you are getting involved with. Many times red flags will appear early in the relationship that are signs that the person could be a domestic abuser. I have written a complete section on domestic violence which is covered in my book “Crime Awareness 101.” In that section I talk about what to look for, preventative measures to take, the cycle of violence, plus what to do when you are a victim. I also list numerous support groups and other resources.

Thinkers:

These are criminals who are better known as con artists. They pre plan their scams and are usually very good at them. They are normally non violent, very good at getting your trust, and talking their way out of situations. They offer free trips, discounted services, money, etc… whatever they offer its just front to get you interested, in the end they are going to take your money. They may also pose as your Medical Insurance carrier, Bank, Credit Card Company, etc, and con you into telling them your personal information. These con artists attempt their scams in person, over the phone, and through the internet. In my book “Crime Awareness 101” I wrote a chapter on scams which list some of the more common scams and what to look out for.

For many years, novels and films have given us apocalyptic views of how easily mankind could disintegrate into ruthless barbarity once removed from the constraints of law and order, and the comfortable smooth machinery of “civilization”. But all that was just fiction, right? Not really. The reality is in the news.

While the people of New York City responded predominantly with goodwill and a heroic attitude to the World Trade Center attacks, it is important to keep in mind that the basic structure of the city – the services, facilities, and general day-to-day functions – were still intact. The disaster that has befallen the gulf states is an entirely different kind of animal. The entire city of New Orleans has been utterly devastated. Many peripheral communities and cities have been essentially washed away. There is no source of free-flowing fresh water, food sources have been severely depleted, virtually no energy infrastructure remains, although line crews from neighboring states are working feverishly to get power restored to critical facilities like the water supply system. Tens of thousands of people have lost their possessions, their homes, their jobs, and their entire way of life. As some of the survivors have put it, they are literally “adrift”.

While many people do have a positive, strong mental and psychological orientation, allowing them to forge ahead and find a way to carry on within the boundaries of law and moral principles, many others do not.

Poverty-stricken communities already have a tendency to have higher crime rates under normal conditions, due to obvious environmental factors. Many people in this environment often become dependant on the “welfare-state”, deriving some of their income, access to services, and food allowances from government-sponsored systems. In a “civilization-destroyed” scenario, these systems cease to function. In times like this, people who ordinarily would not resort to outright theft or robbery do so, and the more violently criminal-minded become even more ruthless and barbaric.

A disaster on the scale as that of the gulf states, where the ability of the government (local, state, or federal) to control affairs is seriously diminished, creates a ripe opportunity for the desperate and the criminal to exploit the misfortunes of others. And they’re doing it. Armed gangs roaming the demolished landscape, reports of rape inside the overwhelmed astrodome, boundless pillaging of every storefront or home left standing; these are the stark images that tell us just how fragile our domestic peace really is.

America is truly a great nation, populated by many great people. But there is bad among us, too, waiting for the opportunity to seize upon the misfortunes of others, whether for profit or just for plain pathological gratification.

Life insurance is typically taken out to offer valuable financial protection for your family in the event of your death, upon which a payment is made to your financial beneficiaries, heirs or family members. The extent of this payment will depend on your insured sum and earnings. Life insurance and life assurance may be interlinked in advertisements, though bear in mind the two policies are different. Life assurance is a form of financial protection which is also an investment, as you should always get a pay-out at the end of the term of the policy. Life insurance on the other hand is simply financial protection for your family, avoiding the issue of debt in the event of your death.

According to an article by the Fair Investment Company, the British life insurance industry shrank to almost half the size of the pensions industry last year and according to the Association of British Insurers, less than 50% of UK households hold a life insurance policy.

In their most recent newsletter about this issue, the Association of British Insurers found that 25% of mortgage holders had insufficient life insurance to cover their debt. The ratio of new life insurance policies to new mortgage loans was apparently 68% in 1994, but by 2004 this had dropped by half to 33%.

The absence of mortgage life coverage poses a serious risk for the dependants of homeowners. If banks were to embark on wide scale repossessions as a result of this absence of life insurance, this would impose a risk on their loan books and reputations. The Association of British Insurers also state that one of the main reasons behind the increased gap between mortgage loans and insurance is the emergence of people remortgaging their property to take advantage of equity release through a rise in value, without insuring their borrowing. In their report it was stated that around 63% of new mortgage loans were remortgages or further advances, compared to 34% in 1994. Egg reported at around the same time, that three out of four of these new loan homeowners had no intention of insuring this additional debt. This is particularly worrying if couples are remortgaging their property later in life – towards retirement, given that should anything happen to the breadwinner, the partner would be left with significant debts without the capability of paying the loan back.

Reasons for the downward trend in life insurance take-up include:

* Relaxation in lending policy – increased competition in the mortgage market means that lenders are not forcing life insurance policies on their customers

* High house prices have stretched homebuyers, in particular first time home-buyers, in terms of their mortgage repayments, that the additional costs of a life insurance policy are deemed too expensive

* There are more households with no dependents

If you’re interested in researching a life insurance policy, make sure you shop around. UK websites such as moneynet ( life insurance ) provide life insurance and life assurance information guides, as well as providing price comparison research for the different products. In the states, the website LowerMyBills.com also offers a similar service.

Because of the various factors listed above, people have also become less familiar with the term life insurance and without the awareness there is little recognition of the importance of this type of insurance. However as speculation increases that UK households are not coping with their debt, so should the awareness of life insurance as an essential product in the personal finance portfolio.

Personal safety begins with you. It is widely accepted that a wide-ranging personal safety strategy must incorporate prevention, deterrence and defiance.

PREVENTION: Is the first and most important element of any personal safety strategy. Prevention includes all those things that can be done to avoid dangerous situation. The most obvious and critical of those things is maintaining a keen awareness of your surroundings at all times.

DETERRENCE: Being aware of potential danger is only one step in your personal safety strategy. Deterrence includes a wide variety of tactics to help tip the odds in your favor. Such tactics might include body language, verbal aggression, screaming or using a sound device – any actions - which put you back in control. Send the message loud and clear – that you are an assertive person that can deter many potential attackers who are looking for easy victims.

HOW SOUND WORKS AS DETERRENT: Crime prevention experts view SOUND as a highly effective and powerful tool in the fight of personal security. Sound is assertive. Making sound notifies the attacker that you are not willing to be a victim. Sound increases the attacker’s fear of being caught. Sound can startle and disorient and attacker who is not expecting it. Sound calls attention to the scene of the attack (or potential attack). Others can help or call for the Police, and attackers never want witnesses.