With the help of my colleague, Alex Molina, I recently wrote about the realistic danger that tsunamis posed to the west coast of the United States.

I had vastly underestimated the damage a tsunami can do, and the last two days, after reading about the 8.3 magnitude earthquake and tsunami that followed, I also got to watch the Pacific Ocean’s tsunami warning system in action.

In the case of Samoa, American Samoa, and Tonga, the earthquake’s epicenter and aftershocks were in some cases less than 100 miles from the coastlines. This meant that the early warning system had little time to warn anyone. At this time, over 111 people are reported missing or dead from the three Pacific territories, and that count is expected to be considerably higher once emergency personnel make it to hard to access, outlying areas. In some cases, the waves came as far as a mile inland.

Mankind has always been subject to the challenges of weather. Of course, this does provide a pretty good opportunity for those that like to write articles about the weather online. Weather articles are very popular also, I know.

Rapid economic growth aggravates flash flood hazards. As new construction takes over arable land, and urban population density increases, infrastructural growth may not proceed in tandem. Growth in urbanization inevitably reduces vegetation, wetlands and other habitats for flood prevention.

The patterns of urban flash floods are almost identical in its force. Small streams, canals, channels, and drainage ditches become fast flowing dangerous rivers. Where the terrain is flat, primary and secondary roads are inundated with torrents of floods, streets and parking lots becoming rivers of moving water. As the connotations imply, flash floods rise rapidly within a few minutes or hours of heavy rainfall. As the water rises rapidly and moves swiftly, carrying cars, ripping trees from the ground, and even destroying roads and bridges.

Putting this into perspective

As we speak, a much deadlier weather event has left over 300 dead and thousands homeless, as Typhoon Ketsana has slammed into the Philippines, Vietnam and Cambodia. As much as 80% of Manila is underwater. A second quake hit Indonesia today, a 7.6 magnitude quake, scaring everyone up into the hills. Considering it was an 8.0 quake in the same area that prompted the 2004 Tsunami of infamy, I can’t say they overreacted. If I felt a strong earthquake on any coastline, I would hightail it at least a mile into the hills as well.

The tsunami that resulted from it was less that a foot, smaller than what hit Hawaii or Crescent City, California from the Samoa earthquake. Officials were able to call off the warnings and people soon returned to their normal lives.

In the world of extreme weather events, we can only still guess at exactly what a hurricane will do or where it will go. This is true of many weather events, be they floods, tornadoes, even a wildfire. Earthquakes are the worst of all, and give no warning, but unless you are close to the epicenter, tsunamis are at least predictable in the Pacific, thanks to the work of the US and Japanese governments.

While generally natural occurrences, flash floods are increasingly the result of human activities or poorly designed infrastructure. Very few countries have flash flood management action plan. Among those that do, China stands out with severe penalties for negligence. Flash floods are frequent features in China with two-thirds of the Chinese territory being mountainous, the recurrent natural disasters compounded by monsoon climate, fragile mountain terrain and increasing human activity. The threat confronts a total of 74 million population exposed to flash flood hazards in the mountain region. In a period of four decades (1950-1990) a total of 225,000 died in floods in China. (iii) The action plan calls for approval of any new construction in urban planning contingent upon completion of a flash flood assessment.

Prior to approving construction projects, city/municipal authorities could examine conditions affecting the construction area. Best practices in the management of flash floods in urban areas warrant enhancing the disaster management chain and assuring these extend into urban planning. Among some authorities, the approach include helping municipalities prepare for climate change. (iv)

Else where, like in West Africa, there’s a growing awareness that “urban surge feeds flooding”, if left unplanned and unorganized, that is. Dakar’s suburb of Guediawave was a dry area 30 years ago. Nowadays, it’s a different story. The residents of this densely populated suburb endure floods every rainy season. (v) Explosive population growth, poor urban management, urban congestion, and indiscriminate building in green belt zones all add on to shortening the fuse for disaster. Overpopulation in northern Nigeria has people building homes on waterways, and natural drainage system becoming blocked by rubbish. Despite bans on construction in the Dakar “cap vert” wetlands, this flood prone area received waves of rural-urban migration in the wake of the 70s and 80s Sahel-wide drought. Now the region is full of buildings and roads which block natural waterways and basins

Resource Box Allen Austrot
Mortgage Refinance Leads
Daily Mortgage Market Index
real estate land speculation is a way to get in on a hot investment before a boom hits

They say that the squeaky wheel always gets the oil, and many of the citizens and voters that elected the liberal-socialist politicians realize that their squeakiness can get them more benefits from the government. Many folks who’ve lost their jobs are not working too hard to get new jobs because they are collecting unemployment benefits.

Many are just jealous of our way of life. Some despise us for our military efforts to help countries like Iraq. Some think we are the devil. Some think we don’t deserve our success even though we earnestly come to the aid of people all over the world.

Then when the same candidate went to Texas he said he was for NAFTA because many of his voters have family in Mexico, and there is quite a bit of trade between the United States and Mexico especially in places like San Antonio, Houston, Brownsville, and El Paso Texas. He stated that NAFTA helps provide jobs, and that trade was good for both countries.

One thing we have to be very careful with is the Old Christian adage; “you shouldn’t give a man a fish, you should teach them to fish.” Apparently, the Senators are more interested in getting re-elected in 2010 than they are about doing what is most prudent for our nation’s treasury, our state government budgets, and keeping our workforce healthy, and desirable about getting back to work.

After all, why would anyone go get a job if they can get 20 more weeks of unemployment benefits without doing a thing?

So, we must be very careful with the political rhetoric we are willing to listen to and understand that any theory or phenomena can be oversimplified to the Absurd. And when it is we need to recognize it and toss it out with the leftover chicken bones. Please consider all this

Resource Box Allen Austrot
Mortgage Refinance Leads
Daily Mortgage Market Index
real estate land speculation is a way to get in on a hot investment before a boom hits

No one can enter into the Kingdom of God, except by the “new birth.” Being born again. (John 3:3). To be born again you must first die to self; that old person must die and be reborn. Your first birth was from your earthly parents – your new birth is from your heavenly Father. The first thing you must know is that in order to enter God’s kingdom you have to be one of God’s children. Getting into the Kingdom of God is simple. Believe that Jesus is the Son of God. Confess and repent of your sins and ask for His forgiveness. Renounce the sins of the past and turn away from them. Repentance means to turn away. You are taking off the old (former self) and putting on the new. By doing this you are acknowledging Jesus as your Lord and Savior, and you are coming under His rulership and into His kingdom.

Something is going on….There was a time when the church was so in tune with God. That you would not have to call for a prayer line, because folks prayed and had a relationship with God and the Miracles and Prophecy was being fulfilled and manifest, because the church was in the place where God had left them.

Back to the Garden, Adam was given dominion and whatever he called it is was so. Adam was given a help meet and they together became one. Adam commune with God daily in the cool of the day.

While there have been many such claims in the past as well pertaining to the end of the world, with the Przepowiednie 2012, there is more fact than ever which not even a fictional book can match up to. Przepowiednie 2012, otherwise known as the 2012 Prophecy descends its roots to the early Aztec and Mayan tribes which formulated the values which we learn today about the creation and existence of the world. It is the Mayan Calendar along with the Aztec readings which were inscribed more than 5000 years ago which clearly prove the end of the world in January 2012.

When you live in the kingdom you don’t need to check your credit score. You will not need to refinance; you will not need to consolidate your debts. You will not need to file bankrupt. When You reside in the kingdom of God, all your needs are automatically met. You can avail yourself of your kingdom citizenship and all its blessings, rights and benefits to help rise above your circumstances.

While there are a few who may not believe in the Mayan and Aztec prophecy, there are others who will go to great stretches to find out how they can overpower the world and emerge alive after 21.12.2012. There are a great number of movies and videos all over the place that reflect the outcome of events scheduled to occur in 2012, however, there is nothing better than satisfying one’s own thirst for complete knowledge with the plethora’s of information that can be found in some of the top repositories and research papers in the world

Resource Box Allen Austrot
it really pays to Refinance your mortgage loan
Find information on home Mortgage loans
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The GM bankruptcy sent shockwaves throughout the entire United States. General Motors was the symbol of American economic domestic power and innovation. Unfortunately, times change and so does market demands. GM had slowly fallen on hard times over recent years and the mismanagement of its executives also contributed greatly to the problems.

GM Fritz Henderson is the current CEO of General Motors. He assumed his position in March of 2009 after previous CEO Rick Wagoner went down in American business infamy when the President of the Unites States ordered he be fired from his position after GM filed for bankruptcy. Wagoner had attempted to restructure the company in the aftermath of receiving several bailouts and loans. It didn’t work and the task moved to GM Fritz Henderson. Henderson, however, could not reverse the downward spiral and this should come as no surprise. The management of the company had been questionable for years. GM Fritz Henderson previous worked for the company as Vice President so it is curious why someone so linked to the GM bankruptcy would be tapped to run the company.

It seems quite amazing that such a simple scheme launched a single, small scale, five and dime store into a worldwide, multi billion dollar company. As of July 2009, the number of stores in the United States alone consisted of:

• 2,630 Wal-Mart Supercenters
• 883 Wal-Mart Discount Stores
• 591 Sam’s Club Warehouses (as of January 2008)
• 150 Wal-Mart Neighborhood Markets

The above does not even take into account the somewhat 2,980 international stores in 14 countries, and of course these figures are subject to change at anytime.

The “little” guy held the top spot for the largest company in the world for four years. Talk about the little engine that could! I believe this was the only time that a company that actually manufactured nothing was “numero uno,” especially four years in a row. In more recent years, Wal-Mart has still managed to top the lists as the biggest corporation in the world more than once.

Sure, many people hiss at the mere mention of the Wal-Mart name. It has become synonymous with low-price and cut-throat tactics to make them the “low price leader.” The top dog is always perceived by the masses to be unfeeling and less than human. That’s the normal reaction of our society. Many of the ones who hiss and complain still shop there. They want the lowest price!

For most of us, what we have experienced is something that we have never been through in our lifetime. The events we went through in 2009 are like the floods that Georgia experienced a week ago. Interstate highways closed, 2,000 or more homes destroyed, school cancelled, bridges out and 10 people lost their lives. The people who track these types of flood events say that the level of the water far exceeded any 100 year flood maps that existed for this area of Georgia. Unprecedented is how they put it.

Unprecedented!

There were additional problems GM faced and GM Fritz Henderson, Wagoner, and other executives were simply ineffectual in terms of their ability to handle these problems. The company was losing money from collapsing sales. Losses started to rise into the double digit billions. The company was quickly heading to insolvency.

These problems were compounded by various poor managerial decisions. Namely, a joint venture with Nissan and Renault proved disastrous. General Motors also poorly negotiated union contracts it was not able to afford. These problems further drained the company making a turnaround far too difficult.

What have we learned in 2009?

As we experienced the unprecedented, have we learned anything? I hope we did. Someone once said that if a person does the same things over and over again and expects different results, they are crazy. So, what are you going to do differently? How are you going to change how you manage your business, your finances, or your lifestyle, now that you have experienced the unprecedented?

Resource Box Allen Austrot
This is an updated guide to help you understand what Refinance is
Conventional Mortgage Interest Rates
home selling in a Market Dominated by Foreclosures and Short Sales

The United States Air Force Academy is located on more than 18,400 beautifully maintained acres, on the East edge of the Rocky Mountains, in Colorado. Each year a new group of cadets are indoctrinated at the US Air Force Academy, at Colorado Springs, Colorado. Much of the more than 18,000 acres operates as other military bases, The Air Force Academy is both a university and military in station, in particular, the 10th Air Base Wing. The area that houses the superintendent, commandant, dean of faculty, and cadet wing resemble a civilian university.

You’re a 19-year-old kid. You’re critically wounded and dying in the jungle in the Ia Drang Valley , 11-14-1965, LZ X-ray, Vietnam . Your infantry unit is outnumbered 8-1 and the enemy fire is so intense, from 100 or 200 yards away, that your own Infantry Commander has ordered the Media helicopters to stop coming in.

You’re lying there, listening to the enemy machine guns, and you know you’re not getting out. Your family is half way around the world, 12,000 miles away and you’ll never see them again. As the world starts to fade in and out, you know this is the day.

If you want an Administrative job assignment, you need a good Verbal Expression (VE) score, which is derived from you Word Knowledge (WK) and Paragraph Comprehension (PC) scores.

If you want a good General job assignment, you want to maximize your Arithmetic Reasoning (AR) score in addition to the highest possible Verbal Word Knowledge (WK) and Paragraph Comprehension (PC)  scores you can get.

An Electronics job assignment is probably the coolest job assignment you can get but it is also the hardest area to qualify for. The Air Force looks at General Science (GS), Arithmetic Reasoning (AR), Mathematics Knowledge (MK) and Electronics Information (EI) scores for an Electronics assignment.

Besides military leadership training and education, cadets are required to maintain a level of physical fitness. Daily fitness routines are incorporated into their busy schedules. Male cadets also have opportunities to be involved with the many sports offered at the Academy. Sports for men include, baseball, basketball, boxing, fencing, golf, gymnastics, swimming, tennis, rifle, soccer, field and track, water polo, wrestling, and football. Sports activities for women include, basketball, cross country, gymnastics, fencing, rifle, soccer, swimming, tennis, track and field, and volleyball.

Cadets have very little free time. Their day begins at 5:30 AM, and go to bed at 10:30 PM. Every evening, personal hygiene and relaxation times are provided. Studying, writing letters to families, and relaxing time is provided prior to the final taps of the day.

The Air Force even lets you retake the ASVAB if you already qualify for enlistment and job assignment. You have to show up for face-to-face or telephone interview with the recruiting flight officer, who has the authority to approve your retest.

The Air Force does not, however, allow retesting when the applicant has previously enlisted under the DEP, or is holding an aptitude area reservation

Resource Box Allen Austrot
Mortgage Refinance Leads
Daily Mortgage Market Index
real estate land speculation is a way to get in on a hot investment before a boom hits

The most basic aspect of trading is learning to differentiate between what is FACTUAL and what is OPINION. If you stay interested in the financial markets long enough you will discover that there are a lot of sharks out there who have become expert at making that task very difficult.

Several subscribers of this newsletter have contacted me over the last few weeks asking for my opinion of certain promoters who also advocate Options Trading Strategies. I make it a point to not comment on other services. However, without mentioning any names I feel that it is necessary to inform you of some of the most common and deceptive practices used by some promoters.

One of the great appeals to Options trading is that there are so many possibilities and trading strategies that can be used to manage risk. However, most services when promoting options like to demonstrate the tremendous REWARDS that are achievable. Although tremendous gain is possible, options are considered speculative instruments and potentially very risky in untrained hands. Since an Option gives the owner the right to buy or sell something for a specific period of time the OPTION is considered to be a deteriorating asset. Since all options have an expiration date, if all things are considered equal, the closer you get to that expiration date the less that the option will be worth.

 Now, since you have larger stores lowering prices, local “mom and pop” shops struggle to keep up. Many can’t and are forced out of business. Put this into perspective: Big Businesses buy out smaller ones all over the world, and unify under a single banner. Jobs are lost at a global level, and people cry out for jobs and can’t even afford to pay what items cost, even though the prices were already reduced. To make jobs and reduce the cost of goods sold, staff must be rearranged such that two people only cost the price of one, perhaps less. Somebody loses.

You only have to look at the many comments of baffled viewers to realize that the phenomenon is an extremely complex one. Does magi herself know all the answers? That’s an interesting question, that I intend to ask (and answer) in a later article. But for now I want to look at the reason why her videos are so compelling. First it’s necessary to deal with the question of sex. And for reasons that I’ll look at in more detail later, I believe that her popularity has very little to do with sex per se.

Now the promoters bait the hook……. Even though your profit was $50, your return on investment was 50%. This is indeed factual. Think of how EASY it was to earn that return, after all you did it in only one day! So since there are 365 days in a year, to calculate an annualized return we would multiply 50% times 365. The result is a staggering return of 18,250%. (Now if your stomach is turning by this type of deceit, GOOD!)

I offer you the MATH below:

Buy Price 1

Sell Price 1.5

Profit $0.5000

Gross Profit $50.00

% Return 50%

# of Days 1

# of periods in a year (365 days) 365

Initial $ Investment $100.00

Net Profit $50.00

Annualized Return 18,250%

Now what infuriates me about these promoters is how successful they are at providing the public with this type of “financial snake oil!” One promoter in particular has actually written a best-selling book on options that is filled with these types of misleading and deceitful computations. Hard to believe but an 18,250% return will barely pay for the price of the book!.

As I hope to show in a later post, this opinion goes against the true nature of what art is all about, but first… how does she grab the attention of so many?.

The financial markets only require one thing of you if you are to be successful and that is that you manage your risk on each and every trade. THERE IS NO OTHER SECRET. In my own trading I must admit that it took me years to learn how to TAKE a LOSS. Once I learned how to lose and accept it as part of doing business my trading dramatically improved. Although I consider this to be among the most profound truths that I have learned regarding trading I readily recognize that it is nowhere near as marketable as promoting 18,250% returns. Or was that 12,600%? After all 50 bucks IS 50 bucks!

Sometimes it is difficult to differentiate between FACT and OPINION. In those instances I heed the words of the great Yogi Berra, “You can observe a lot by just looking.” Nuff said.

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There are seven ways to alter the terms of your mortgage. Learn the details and trade-offs of each to educate yourself and decide which one is right for you.

Refinance What is it? In a mortgage refinance, homeowners essentially take out a new mortgage that replaces their current one. It can be similar to reselling the house back to yourself. The value of your property is assessed, just as it would be if it was going to be placed on the market, and you renegotiates the terms of a new mortgage based on the interest rates of the day.

When Does It Work? When housing prices are high and interest rates are low, which explains why refinancing was so popular from 2002 to 2007.

Why Does It Not Work? When housing prices have fallen to the point where homeowners no longer have any equity in the property. This is why the mortgage refinancing industry, so busy and active 2 years ago, is practically unheard of today.

Pros: When done at the right time, refinancing can give homeowners cash in their pocket (if the value of their home increased since they took out their last mortgage), and lower monthly payments (if interest rates have fallen, or their credit rating has increased, since they took out their last mortgage).

Cons: Fees, fees and more fees. Because you’re basically selling your home to yourself, all of the assessment fees, escrow fees and handling fees you paid when you first bought your property still apply.

Repayment Plans What Is It? loan modifications are a great solution to temporary hardship on the part of a homeowner. This solution involves the lender temporarily modifying the terms of a mortgage so that the homeowner can enjoy lower payments in the short-term at the expense of higher payments or longer time periods in the future. It is essentially a case where the lender bets that you, the homeowner, are a good investment; that you are likely to overcome your temporary setback and fulfill your mortgage.

When Does It Work? If a homeowner has a great relationship with a lender, and if the lender itself is on a sound financial footing, repayment plans are the best option for everyone involved. They are revenue neutral for mortgage lenders, and homeowners are usually very happy to endure stricter long-term conditions in exchange for temporarily relief when they need it most.

When Does It Not Work? When lenders are receiving billions of dollars in government bail-outs because they are not financially sound, or when high unemployment makes it unlikely that a homeowner’s hardship will be temporary.

Pros: Least costly option for both the lender and the homeowner.

Cons: Too conditional. The national unemployment rate and the global financial crisis simply makes it too difficult for lenders and homeowners to credibly negotiate a repayment plan.

Forbearance What Is It?Forbearance is a interim suspension of monthly mortgage payments. It is generally used for temporary hardships that are foreseen in advance by homeowners and lenders. Setbacks such as death, divorce, unemployment or illness are widely accepted as temporary hardships by lenders.