September 2008
What Is Income Drawdown Pensions – Independent Financial Guide
When you take your leave from work you don’t have to pull out your pension at that time. Instead, you could defer getting a pension until the ripe old age of seventy-five & if you do so you might find you get a more beneficial deal. It’s referred to as income draw down.
When you are aged between 50 & seventy five years old you are allowed to delay the possession of your retirement allowance from one of a number of insurance corporations. Instead, you are allowed to take away up to one-hundred-and-twenty percent of the pension fund that could have been obtained by means of the Government Actuary rates, leaving the rest secure for when you call for it. On your part, all you have to do is to make sure you procure a pension annuity by the time you are seventy five.
Nevertheless, what would come about if you selected to take the income drawdown choice, and then passed on? If this did come about then your surviving companion or dependant(s) would have three options: either receive a lump figure, take away tax at 35%, or continue with financial withdrawal, or acquiring an annuity pension with the resources. Your present spouse has until they arrive at sixty to put off the purchase of an annuity, though no benefits are payable in the period-in-between.
Why opt for income draw down? Well above all because it might end in you earning a better income from your pension by doing so. Secondly, you can decide specifically when you get the annuity, so if you leave work at a point in time when annuity rates are considerable low, waiting might well be a wiser decision. If the residual funds increase as supposed to, then jointly with the reality that annuity rates grow with age, you might ultimately be able to procure an improved pension than you most likely have been offered previously.
It also means that when you pass away your next of kin or those responsible are secured economically, as they are correctly entitled to the residual stocks & shares, as pointed out before.
Like all investments, there are hazards subsequently though. If asset performance on the remaining stocks and shares is bad, then the level of income payable could fall. And it is critical to consider that there’s no promise that the pension acquired will eventually be bigger than the entire amount that could have been obtained at the start. To read all the latest information about Income Drawdown, visit the First Place Financial website now!
Call Girls Come in Handy when Lads Are Not Married
Being a single bloke in Leeds might be boring. Being without a wife means you don?t get to have a plus one with you when you go to business parties, friend’s events or even sit in and watch a movie with someone. When you are without a girlfriend it might often be lonely. All that is why blokes enjoy escorts. Women escorts are beautiful and delightful and a whole lot of fun. Women escorts might often accompany you to work events and if you acquire a fetching call girl to be your date you can be sure of the envy of your colleagues. Check out London Escort Agency Lucy Bond for the hottest escorts.
Call girls in London are of a much higher calibre than anywhere else in the United Kingdom. The reason is simply that there are more individuals here. Women escorts in London are likewise elegant and have manners. The cost of a bright escort will vary, some escorts might charge per hour whilst others are per day. Men should expect to pay between 500 pounds and 1000 pounds. The top price might get men the most superb call girl in the city. Customers should constantly give the escort the cash immediately on meeting, this is common practise. Hence do not be nervous and try a brilliant escort now.
Glass Partitions for Warm and Comfort
Architectural Screens with mat effect and styled as a groove are also available. Various designs of glass partitions with landscapes, pictures and work of art are also on display. There are multi colored glasses whose shades get modified according to the amount of sunlight that are incident on it.
This technology lets your room have a different look under different whether conditions. Isn’t it amazing to know that these strong glasses are on their way to decorate your home and provide a touch of finality to your living space? A home forms an integral part of a person’s existence. It exudes the personality of the owner and makes them unique. Hence it is one’s duty to finely decorate the interiors to suit one’s style, preference and persona.
Have a look at our products and choose the one that exudes your character and blends with your heart to give you happiness when you come home to Avanti Glass Partitions.
Keep in mind that up until the past few years ago the glass industry was not as advanced as it is now. As technology changes we are finding that only the best can keep up with the change and only the best can stand out by pushing the bar. Avanti stands out and there is nothing the competition can do about it.
Keep Your System Simple! Self-Defense And The Science Of Stress Performance
“There Are No Superior Martial Arts,
Only Superior Martial Artists”
I’ve read, heard, repeated and written that phrase so often I can’t even remember where it came from. The reason I like it so much is because it’s true!
This article is not another effort to debate the merits of one self-defense system over another. Nor is it to argue about which style will or won’t work “on the street.” All martial arts have components within them that are powerful fighting techniques. It’s important to know which ones they are!
Self-Defense Systems Differ,
But Self-Defense Principles Don’t
On the surface, martial arts and self-defense systems seem different. However, if they are legitimate and effective, the principles underlying them are the same.
Principles are the rules about the way things are. They are inarguable, non-negotiable and unchanging. They have nothing to do with the way we think things are or the way we want them to be. Like the laws of physics, they just are.
As “Martial Scientists,” our goal is to explore, discover, test and confirm the operative principles that define and influence the reality of combat. Your ability to produce a desired result, in this case to effectively defend yourself, is a direct result of how well you understand and apply the principles of combat and human performance.
What Do You Know About
Performance Under Pressure?
This article is about how fear and stress affect fighting performance. Whether you consider yourself a seasoned martial artist, a self-defense enthusiast, or a self-taught “ham & egger” who just wants to stay in shape and boost your confidence, this information is important to know. If you are training for self-defense, you need to select and develop skills that will be effective in the chaos of a violent conflict. This article will help you in that process.
FEAR, STRESS AND SELF-DEFENSE
Stress Is Good, But Only If It
Works For And Not Against You
Stress is our response to a real or perceived threat that we inherited from our ancestors. It was, and is, essential for our survival as a species. That survival mechanism, often called the “Fight or Flight Response,” is a good thing. If properly managed, it can be a powerful force in fighting off (fight) or escaping from (flight) a violent assailant. However, if ignored or misunderstood, stress can impair our mental and physical performance and compromise our effectiveness in a fight.
What Is “Self-Defense Stress?”
Stress, as it relates to violence, is the response to a perceived discrepancy between a threat and your ability to control it under conditions where the outcome has the potential for death, injury or physical degradation.
The Symptoms Of Stress
Stress causes a variety of psychological and physiological changes. Without getting into the specifics of those changes, the affects of intense stress on performance fall into three categories:
1. Perceptual Distortion – loss of peripheral vision and depth perception, hearing may be impaired, changes in pain sensitivity, etc.
2. Cognitive Impairment – the emotional centers in the brain become predominant and creative or logical thinking is impaired.
3. Motor Skill Deterioration – the ability to perform certain physical actions is impaired by stress. However, other actions can actually be enhanced by stress.
Each of these categories could form an article (or book) of their own. However, for the purposes of this article, I’ll confine myself to information pertaining to the selection and performance of physical skills.
THE KYSS! PRINCIPLE (Keep Your System Simple!)
Why Do Black Belts Get Beat Up?
Why is it that so many martial artists get beat up? I’m sorry to burst your bubble if you thought otherwise but the fact is that many people, even after years of training, have been thumped by “unskilled,” intoxicated adversaries. How can that be?
Often people train with a distorted mental map of what it’s like to be in a real, knockdown, drag-out, anything-goes street-fight. They confuse sparring with fighting and find themselves hesitant, overwhelmed by fear or attempting techniques that just don’t work.
The more clearly you understand the realities of a “fight” and the affects of being in one, the better you can prepare yourself for the chaos of personal combat.
Motor Skills Classification
Motor Skills is a fancy name for physical actions or techniques. They can be divided into three categories:
1. Fine Motor Skills – are actions involving small muscles, dexterity and eye-hand coordination. The ability to perform fine motor skills deteriorates at low to moderate levels of stress.
2. Complex Motor Skills – are actions that link three or more components in a sequence that requires timing and coordination. At moderate to high levels of stress, the ability to perform these skills is also impaired. Many martial arts techniques are complex motor skills. This explains why techniques that may work fine in low-stress training fail in a high-stress street-fight.
3. Gross motor skills – are simple, large-muscle group actions like a squats, pushups and push/pull-type movements. This includes basic fighting skills like a straight punch, a hook punch or a Thai boxer’s knee strike for example. Unlike fine and complex motor skills, gross motor skills DO NOT deteriorate under stress. In fact, they are enhanced by the affects of fear and stress.
Obviously we want to rely predominantly on gross motor skills when designing a self-defense response system.
The “Less-Is-Best” Theory
Some self-defense and martial arts instructors believe in the “More-Is-Better” philosophy. They think that learning a high number of techniques will increase the ability to respond effectively to a wider variety of situations; that the more elaborate the fighting system the more adaptable it becomes.
If you hold this philosophy yourself, please forgive my bluntness but…YOU’RE WRONG!!! The More-Is-Better approach does not withstand scientific scrutiny. Complex or elaborate techniques don’t work in a real fight. It’s as simple as that.
In contrast, the “Less-Is-Best” approach is more practical, realistic and consistent with what science tells us about the way we perform under stress. Here are a few of the benefits of keeping the number of techniques to a minimum.
Faster Reaction Time
As far back as the 1800’s, researchers knew that the more responses you have to a stimulus, the longer it takes react. In 1952, a researcher named Hicks confirmed that for every response choice added, the amount of time required to react doubles! This is widely known as “Hicks Law,” and has been repeatedly confirmed by subsequent research. In a self-defense situation, the longer you take to respond to a threatening action, the more likely you will be injured and defeated.
Fast Results With Minimal Training
Another issue that supports the idea of keeping your inventory of techniques to a minimum is the amount of time you have to practice and the time it takes to build technique competence. (remember: competence builds confidence which reduces stress!)
Imagine you work on 20 techniques and you train for an hour per session. That means you have 3 minutes to invest on each technique. If however, you reduce the number of self-defense techniques to three (just an arbitrary number), you invest 20 minutes on each technique, conceivably investing 600% more time and repetition on each one. What technique wouldn’t be improved by six times more training?
The Brass Knuckle Effect (Cognitive Clarity)
Imagine you knew you were about to be attacked by a large, strong, psychopathic assailant. There is no way of avoiding the fight. Let’s say your self-defense system consists of 20 different techniques. In the stressful moments preceding the encounter your mind is reeling; trying to figure out the most appropriate course of action.
Keep in mind that your cognitive abilities are impaired by stress. Stress-related “brain damage” prevents you from forming a logical or creative solution to your predicament. What will you do?
Seeing your dilemma, a good friend (if he wasn’t before he is now!) discretely passes you a set of brass knuckles. What do you suppose has just happened to your thought process?
I’ll hazard a guess that the mental fog begins to lift, your stress decreases and your objective becomes clear. It’s now a simple matter of taking those brass knuckles and slamming them repeatedly into vulnerable parts of your opponent’s anatomy. Seems simple now doesn’t it?
The potential of you winning the encounter has been significantly enhanced. That same affect can be achieved without the brass knuckles by sticking to a limited, yet adaptable, inventory of dependable fighting skills.
THE SCIENCE OF STRESS POINTS TO THE NEED TO SPECIALIZE
Virtually all accomplished fighters are known for specific techniques that they excel at. However, if you ignore their “bread & butter” techniques, most of them would be considered “average.” Those fighters excel because of their ability to simplify their system and build on their superior techniques.
Knowing what you now know about technique selection and stress performance, what do you think about the merits of “specializing” in a core set of fighting skills? Here’s how to get started.
Explore Your Strengths
Don’t just latch onto a fighting tactic arbitrarily. Evaluate your existing skills and select a strike, a kick, or a finishing hold that seems like a “good fit” for you. What technique to you consistently land or apply when sparring? What is your best or favorite technique? What technique do you feel you would resort to under pressure? Answering these questions will get you started with the specialization process.
Adaptability
Having as few techniques as possible doesn’t mean that you limit your ability to respond to a wide variety of situations. The idea is to take that specialty strike, kick, joint lock or choke and train it in as many different ways as possible. Learn to apply those basic skills at different ranges (striking, clinching or on the ground), against different partners, against different apparatus and in as many drills as you can think of. Learn how to set them up and follow them up. Strive to learn a lot about a little, not vice versa.
Train to Momentary Exhaustion
A good way to see how well a technique holds up under stress is to train it to extreme fatigue. You can bring on the physiology of intense stress by exerting yourself. I call this “blitz training” in the heavy bag article: “There’s nothing like a swift kick to the bag.” on my site at:
http://www.protectivestrategies.com/heavybag.html
Blast out a technique or combination repeatedly for a specified duration or until you can’t do it any more. I can guarantee that gross motor skills will be the only ones conducive to this type of training.
Keep in mind that you wouldn’t do this training all of the time. You need time to recover between intense workouts like this.
Obviously you must be healthy and in good physical shape to do in this training. Refer to my disclaimer page for precautions before following this advice.
http://www.protectivestrategies.com/disclaimer.html
Simplicity Is Not Inflexibility
A final note in keeping things simple is that the process of specialization doesn’t mean that you stop learning, experimenting or that you abandon your existing training program in lieu of a “bare-bones” self-defense program.
If you are proud of your traditional martial arts system stick with it. If you love to jump up, spin around and kick things, then by all means, go for it! Just don’t confuse techniques that will work in a street fight with those that won’t. Apply the science of stress performance by adding specialty training to the degree that you want to develop practical self-defense skills.
SO WHAT? HOW TO USE THIS INFORMATION
Using The “KYSS! Principle”
To Evaluate A Potential Specialty Technique
Now its time to put this stuff into practice: Based on the priority you place on “fighting skill.” (there are several other benefits and reasons to train) Take a good, hard look at the skills you have in your inventory and the amount of time you plan to invest in training.
Decide on what proportion of your training you want to dedicate to self-defense. Design your system based on the following “KYSS Criteria.”
=> is the technique a “gross motor skill?”
=> do you have confidence in your ability to perform the skill under pressure?
=> What technique is most successful for you in training sparring or competition? (however don’t confuse those activities with fighting)
=> Is the technique applicable in a wide variety of situations, at different ranges, in different environments, ring clothing that you were during your day-to-day activities?
=> Are you able to construct a wide variety of training drills to build adaptability and flexibility in your chosen techniques?
=> Are there techniques that you’ve selected that are redundant?
=> Do you understand the underlying principles and biomechanics of performing and applying the skill with optimal efficiency?
CONCLUSION
Stress in a combative situation is a given. Expect it. It’s going to be there. Your performance is the result of how confident and well prepared you are in addition to how well designed your self-defense response system is. Attack the problem of stress performance this way:
=> Simplify your system through specializing in a handful of effective and adaptable techniques.
=> Artificially create stress in your training sessions to inoculate yourself to it to some degree (more on this in future articles) and…
=> Select gross motor skills that will be efficient under stress.
Knowing what you now know about stress performance isn’t it obvious that the “KYSS! (Keep Your System Simple!) Principle” is worth incorporating into your training? Scrutinize and evaluate your inventory of fighting skills and select those that meet the KYSS criteria and you will improve your performance in a combative situation dramatically. The bottom line of what I want you to take away from this article is that if you are training for self-defense Keep Your System Simple!
Take care, train smart and stay safe,
Randy LaHaie
Protective Strategies
============== Self-Defense Quote =================
“There are no superior or inferior martial arts, there are only warriors and non-warriors”
“Each martial art is based on doctrine, a set of broad and general beliefs. People who study a single doctrine tend to shut out ideas from other sources and convince themselves that their’s is the one true way of fighting. They become slaves to the very doctrines they profess.”
Forrest E. Morgan, Maj. USAF
Living The Martial Way
A Manual For The Way A Modern Warrior Should Think
================================================================
Randy LaHaie is the president of Protective
Strategies and has been teaching reality-based
self-defense for over 30 years. He is the author
of several “Toughen Up Combative Training Guides”
(http://www.ToughenUp.com)
Subscribe to his FREE SELF-DEFENSE NEWSLETTER at
http://www.ProtectiveStrategies.com
A Martial Artist’s View Of The Film: “The Bourne Identity”
When you study the martial arts, delving into philosophy and spirituality, you find that one of your main purposes is to reformulate yourself.
What you are, what your family, society, bosses, teachers, and government have made you, just cannot stand.
Something specific may have alerted you to this need.
Perhaps it was a slight, received from someone disrespectful, that made you feel weak.
Or, one evening, you were walking with your friend and you felt afraid of that group of shadowy figures who were loitering at the next corner.
And after the exigency passed, you were ashamed of yourself that you were so fearful, so intimidated, and upon reflection you came to see that you were afraid most of the time, and maybe one day, you’d be petrified but still have to defend yourself from a real attack.
So, your path in the martial arts begins by transporting you from weakness to strength, from timidity to self-confidence.
Jason Bourne’s journey is different. He has amazing gifts and abilities, especially in defending himself and disabling others. Suffering from amnesia, he’s trying to learn whom he is, all the while being hunted by lethal adversaries who want to destroy him.
Suffering from a vague sense of guilt about his past misdeeds, and seeking relief from haunting, short-circuited memories, he tries to survive long enough to unravel the mystery of his identity.
He is a martial artist, and a stunningly capable one, but he is trying to reformulate himself, as well.
A masterful physical specimen, he is nonetheless, spiritually weak, because his brawn has been used for questionable purposes. “Being tough,” isn’t his goal, as it is for some novice pugilists.
“Being human,” is closer to his mission, so undoing his twisted mental wiring is his task, becoming less of a cyborg, connecting more with his vulnerabilities, in the process.
Informing this fast-paced and action packed thriller is the archetypal story of the “Ronin,” the master-less samurai.
These tales ask: What becomes of us when we have no one, no cause for which we can serve; only polished killing skills that have marginal civilian value?
It’s a query that’s relevant to all soldiers, for whom the next battle is coming to terms with who they are and how and what they served.
Is Bourne a hero?
I leave that to you to decide.
Along the way, I’m sure you’re going to find this an exciting movie, technically competent, and fun to watch.
Dr. Gary S. Goodman, President of Customersatisfaction.com, is a popular keynote speaker, management consultant, and seminar leader and the best-selling author of 12 books, including Reach Out & Sell Someone® and Monitoring, Measuring & Managing Customer Service, and the audio program, “The Law of Large Numbers: How To Make Success Inevitable,” published by Nightingale-Conant. He is a frequent guest on radio and television, worldwide. A Ph.D. from USC’s Annenberg School, a Loyola lawyer, and an MBA from the Peter F. Drucker School at Claremont Graduate University, Gary offers programs through UCLA Extension and numerous universities, trade associations, and other organizations from Santa Monica to South Africa. He holds the rank of Shodan, 1st Degree Black Belt in Kenpo Karate. He is headquartered in Glendale, California, and he can be reached at (818) 243-7338 or at: gary@customersatisfaction.com.
For information about coaching, consulting, training, books, videos and audios, please go to: http://www.customersatisfaction.com
Wado ryu Karate Principles for Self Defense – Part II
Timings for counter attack
Consider uses for the body shifting methods.
Go no Sen – Defensive attack. Counter once the attack is completed, but before the opponent is able to attack again.
Sen – Simultaneously attack with the attacker. You will complete your counter first, and/or displace the attacker’s movement.
Sensen no Sen – Preempt the attack with your own, by perceiving your opponent’s intent. This will catch him/her off guard, breaking his/her mental balance.
Defensive movements
Heavily influenced by Shindo Yoshin-ryu jujutsu, these movements are used to control the opponent’s energy. These movements apply maai and body shifting. Consider uses of the timings for counter attack.
Nagasu – Flowing / Fluidity. Move evasively off the line of attack but closely enough that the attacker’s force can be used to add to your own. Often combined with penetrating into an opponent’s side (irimi).
Irimi – Move to enter the opponent’s attack.
Inasu – Move under, inside, or around the attack.
Noru – Control the opponent’s movement.
Maai
The state of mind and spirit of the combatants, and the distance between them. Keep enough space to attack and defend. At a high level, you control the spirit and energy of a conflict. Draw a reaction from the opponent that will give you a tactical advantage. Practice the above principles to understand maai, and practice maai to apply the following. Never stop studying tactics so you may better see from this broad view.
Ki Ken Tai no Ichi
Coordination of mind and body in movement. Thought and action must become one; there is no time to concentrate on thought in battle.
Hei Jo Shin
“Calm mind and body”. When the opponent feints or draws a weapon, you should not flinch, but be prepared. Harness the adrenal state so that you do not panic, but fight reflexively.
Owen Johnston lives and teaches Wado ryu Karate in Lake City, South Carolina. He enjoys reading, writing, training, and spending time with his fiance. Please visit the author’s main page for more information about his Wado ryu Karate school.
Are you planning go out and purchase a car and need 22500 dollar
Lots of moneylenders wil show you a rate that looks good but doensn’t feel well after a while.
Translated in Dutch it means: Woon je in Nijmegen of Middelburg en heb je BKR’ Lenen met een BKR notering is nergens zo eenvoudig. Haal snel een andere caravan met geldlening met negatieve bkr vermelding, 229723 euro is geen obstakel om te financieren. Van Asten tot Breukelen, geld lenen met zonder BKR registratie gaat hier altijd.
you really need to investigate and check if you can have a bank loan at a good loan rate. Investigate to see if the merchant bank who is tending to give you a credit loan is trustworthy. A moneylender in Fitchburg Massachusetts can have a interest rate for a 30000 loan then a bank in Columbus Georgia and that makes a huge difference in your yearly pay offs. At this moment you can investigate interest rates and see if there are other possible traps you should be aware of. It doesn’t matter if you live in Indianapolis Indiana or in Beaverton Oregon a solid analysis will save you huge troubles. 4.9 rate may look good but will that be the same after you’re going to pay for your credit loan. Be clever to examine if you have a bargain or if you don’t with the bank that offers you a money loan.
Unexpected Freezer Outage
Is there a power cut in your home? Has your refrigerator stopped working during the night? Do you have concerns regarding the stuff you had in your freezer?
Relax ,in that case you can use some easy tips for handling food safely.
If the food has warmed at all, whether thawed completely or just to room temperature, discard it immediately. Throw it out if it has been sitting at room temperature for longer than two hours.
Largely thawed food that is still cold should be cooked immediately. The cooked foods can either be consumed or put in the refrigerator to eat later.
If the food still has ice crystals on it, you may refreeze it. You can put it in a cooler with some dry ice if there is no freezer available to you. These items will need to be cooked, because your freezer will not offer the same longevity that a normal freezer would offer.
Once food starts to show off the markings of freezer burn they need to be thrown out immediately.
Sudden power outages cannot be avoided, but there are things you can do to prepare for them.
When your freezer or refrigerator are getting on in years, the best recommendation you’ll get is to purchase a high quality new one. Definitely consider a large refrigerator/freezer as used in America is if there is space for it. You will find that it can make a big difference with just about any kitchen. This site has a range of American fridge freezers from many suppliers that will server you better.
I Love Alberta Health and Wellness
I have been concerned with my health for years because my family has had a history of illness. Everything from cancer to heart attacks, so I wanted to make sure that I was covered in case I should befall one of these as well. So the alberta health and wellness company is perfect for me. They not only have a great insurance plan but they have loads of information for me. Information that will help me stay healthy and happy. What more could anyone ask for in this type of plan? I can’t really think of anything that’s for sure.
My father moved to Canada awhile ago and he had recently had to undergo some minor surgery. I was curious of course then if he had good health insurance. He told me that since he lived in Alberta that he could go on the alberta health and wellness plan which was the best that he could find in his opinion. I was even more curious after I heard that so I searched around a bit to see if I could find out more and I sure did. I think that my father made a great choice and I am glad that my father is in the hands of such a great company.
Summer Memories Picture Frame
Use this picture frame as a Father’s Day gift or to showcase favorite photos from your summer vacation.
Ingredients
Compact Disk Case
Salt Dough (see recipe below)
Saucepan
2 Photos
Scissors
Paint
Directions
1. Trim your photos to 5 inches square.
2. Place the photos, back to back, inside the CD case and close.
3. Use the salt dough to make a standing base for your frame.
To make the salt dough, mix together in a saucepan:
1 cup flour
cup flour
1 cup salt
3/4 cups warm water
4. Stir over low heat until thick and rubbery.
5. Remove from heat. Turn the dough out onto a sheet of wax paper until cool enough to handle.
6. To make a base for your frame, roll out a piece of dough about 6 inches long and 1 inch thick.
7. Press the edge of the CD case halfway into the dough to make a standing base.
8. Use the remaining dough to decorate the edges of the frame. You can also press beads or sequins into the dough.
9. Allow the frame to air dry. Depending on the humidity, this may take several days.
10. When dry, paint the frame.
You have permission to reprint this article electronically or in print, free of charge, provided that each article is:
1. Printed in its full form with no changes
2. Includes an active link
3. A courtesy copy of your publication is sent to the above contact
4. And the following byline appears at the bottom of each article:
About the Author: Rondi Hillstrom Davis is the co-author of the award-winning book Together: Creating Family Traditions. To check out her website that’s jam packed with family ideas, visit http://www.togetherparenting.com
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