Shopping for a mortgage can be intimidating. It’s natural to feel anxious about doing something new for the first time, and getting your first mortgage is no exception.
Fortunately, there are a few simple things you can do to make sure you’re being well-prepared before you start looking for your first home loan. Here are five tips to help first-time mortgage borrowers.:
1. Lock Your Interest Rate. Interest rates on mortgages can increase or decrease from day to day or even hour to hour. Discuss the interest rate outlook with your loan officer and try to learn as much as you can about how ups and downs in interest rate quotes might affect your mortgage payment and your ability to qualify for that loan. To protect yourself from interest rate rises, ask about a rate lock, which can reserve a specific interest rate for you for a set time period. If you decide to lock your rate, make sure your lock period won’t expire before your closing date. (Read more about locking your interest rate.)
2. Consider FHA. If you’re a first-time home buyer, you might want to shop for an “FHA loan,” which is a mortgage that’s insured by the Federal Housing Administration (FHA). FHA loans offer competitive interest rates, allow smaller down payments and have easier qualification guidelines compared with other types of loans. The minimum down payment for an FHA loan is just 3.5 percent of the purchase price of the home, although FHA loans do require that you pay mortgage insurance.
3. Take the Tax Credit. If you haven’t owned a home in the past three years, you may be able to qualify for the federal First-Time Home Buyer Tax Credit, which is worth up to $8,000. The credit is refundable, which means you’ll even get a rebate of sorts from the federal government if the income tax that you owe is less than the full amount of the credit. The credit is subject to income limitations and you’ll have to act fast since it’s set to expire after Nov. 30, 2009. Some lenders may allow you to use the credit as a down payment, to pay settlement fees or other closing costs or to pay discount points to reduce the interest rate on your loan.
4. Educate Yourself. A plain-vanilla 30-year or 15-year fixed-rate mortgage is fairly easy to understand. But other types of loans can be more complicated. If you want to consider an adjustable-rate mortgage (ARM) or other less common type of loan product, do your homework and make sure you fully understand how your loan works before you sign the loan documents.
5. Shop Around. Interest rates, loan products and loan terms vary among lenders. That means all borrowers, whether novice or not, should shop around for loan offers. Ask about the benefits and risks of each loan and be sure to compare the quoted points and estimated closing costs as well as the interest rates on different loans before you decide which would best fit your personal situation.
Monday, February 22, 2010
Home Refinancing Basics
Before you refinance, know the pitfalls as well as the advantages
In recent years, millions of homeowners have taken advantage of low rates and refinanced their mortgages. This article describes the advantages and possible pitfalls associated with a "refi."
Before You Start:
- Remember that refinancing to reduce debt can be a smart move, but refinancing in order to borrow more for consumer purchases (car, vacation, etc.) could set you back significantly.
- Read the fine print on your current mortgage to learn whether you'll be assessed penalties or fees for "getting out" of that loan early.
- Make sure you know whether you have a fixed or variable interest rate and what the terms are.
Home Refinancing Basics
In recent years, Americans seeking to take advantage of low interest rates have lined up to refinance their mortgages. In fact, refinancing hit an all-time high in 2003, and remained high in both 2004 and 2005, according to the Mortgage Bankers Association of America.But while it's true that refinancing has the potential to help you reduce the costs associated with borrowing money to own a home, it is not necessarily a strategy that makes sense for every individual in every situation. So before you make a commitment to refinance your mortgage, it's important to do your homework and determine whether such a move is the right one for you.
To Refinance or Not
The old and arbitrary rule of thumb said that a refi only makes sense if you can lower your interest rate by at least two percentage points for example, from 9 percent to 7 percent. But what really matters is how long it will take you to break even and whether you plan to stay in your home that long. In other words, make sure you understand - and are comfortable with - the amount of time it will take for your overall savings to compensate for the cost of the refinancing.Consider this: If you had a $200,000 30-year mortgage with an 8 percent interest rate, your monthly payment would be $1,468. If you refinanced at 6 percent, your new monthly payment would be $1,199, a savings of $269 per month. Assuming that your new closing costs amounted to $2,000, it would take eight months to break even. ($269 x 8 = $2,152). If you planned to stay in your home for at least eight more months, then a refi would be appropriate under these conditions. If you planned to sell the house before then, you might not want to bother refinancing. (See below for additional examples.)
Remember: All Mortgages Are Not Created Equal
Don't make the mistake of choosing a mortgage based only on its stated annual percentage rate (APR), because there are a variety of other important variables to consider, such as:The term of the mortgage - This describes the amount of time it will take you to pay off the loan's principal and interest. Although short-term mortgages typically offer lower interest rates than long-term mortgages, they usually involve higher monthly payments. On the other hand, they can result in significantly reduced interest costs over time.
The variability of the interest rate - There are two basic types of mortgages: those with "fixed" (i.e., unchanging) interest rates and those with variable rates, which can change after a predetermined amount of time has passed, such as one year or five years. While an adjustable-rate mortgage (ARM) usually offers a lower introductory rate than a fixed-rate mortgage with a comparable term, the ARM's rate could jump in the future if interest rates rise. If you plan to stay in your home for a long time, it may make sense to opt for the predictability and security of a fixed rate, whereas an ARM might make sense if you plan to sell before its rate is allowed to go up. Also keep in mind that interest rates hovered near historical lows in recent years and are more likely to increase than decrease over time.
Points - Points (also known as "origination fees" or "discount fees") are fees that you pay to a lender or broker when you close the deal. While a "no-cost" or "zero points" mortgage does not carry this up-front cost, it could prove to be more expensive if the lender charges a higher interest rate instead. So you'll need to determine whether the savings from a lower rate justify the added costs of paying points. (One point is equal to one percent of the loan's value.)
Stick With What You Know?
Finally, keep in mind that your current lender may make it easier and cheaper to refinance than another lender would. That's because your current lender is likely to have all of your important financial information on hand already, which reduces the time and resources necessary to process your application. But don't let that be your only consideration. To make a well-informed, confident decision you'll need to shop around, crunch the numbers, and ask plenty of questions.Summary:
- The decision to refinance should only be made if the long-term savings outweigh the initial expenses. To calculate your break-even point, divide the cost of the refi by your monthly savings. The resulting figure represents the number of months you will need to stay in the home to make the strategy work.
- Don't select a new mortgage based only on its annual percentage rate.
- Also evaluate the term of the loan, whether the interest rate is fixed or variable, and the relative merits of paying up-front fees in exchange for a lower rate.
- Your current lender already knows you and has your financial information on file, so you may be able to get a better deal that way, instead of going to a new lender.
- To get the best possible refinancing deal, you'll need to shop around, crunch some numbers, and ask a lot of questions.
Checklist:
- Shop around and conduct a detailed cost assessment (with a financial professional, if necessary) to identify which mortgage offers the greatest financial benefits.
- Read the entire contract before signing. Don't let anyone pressure you or rush you to make a hasty decision.
- If refinancing results in lower monthly payments, use those savings to pursue other important goals, such as preparing for retirement and college costs.
Kidney Cancer Causes
The kidneys
The kidneys are a pair of organs on either side of the spine in the lower abdomen. Each kidney is about the size of a fist. Attached to the top of each kidney is an adrenal gland. A mass of fatty tissue and an outer layer of fibrous tissue (Gerota's fascia) enclose the kidneys and adrenal glands.The kidneys are part of the urinary tract. They make urine by removing wastes and extra water from the blood. Urine collects in a hollow space (renal pelvis) in the middle of each kidney. It passes from the renal pelvis into the bladder through a tube called a ureter. Urine leaves the body through another tube (the urethra).
The kidneys also make substances that help control blood pressure and the production of red blood cells.
Understanding cancer
Cancer begins in cells, the building blocks that make up tissues. Tissues make up the organs of the body.Normally, cells grow and divide to form new cells as the body needs them. When cells grow old, they die, and new cells take their place.
Sometimes this orderly process goes wrong. New cells form when the body does not need them, and old cells do not die when they should. These extra cells can form a mass of tissue called a growth or tumor.
Tumors can be benign or malignant:
- Benign tumors are not cancer:
- Benign tumors are rarely life threatening.
- Usually, benign tumors can be removed, and they seldom grow back.
- Cells from benign tumors do not invade tissues around them or spread to other parts of the body.
- Malignant tumors are cancer:
- Malignant tumors are generally more serious than benign tumors. They may be life threatening.
- Malignant tumors often can be removed, but they can grow back.
- Cells from malignant tumors can invade and damage nearby tissues and organs. Also, cancer cells can break away from a malignant tumor and enter the bloodstream or lymphatic system. That is how cancer cells spread from the original cancer (primary tumor) to form new tumors in other organs. The spread of cancer is called metastasis.
When kidney cancer spreads outside the kidney, cancer cells are often found in nearby lymph nodes. Kidney cancer also may spread to the lungs, bones, or liver. And it may spread from one kidney to the other.
When cancer spreads (metastasizes) from its original place to another part of the body, the new tumor has the same kind of abnormal cells and the same name as the primary tumor. For example, if kidney cancer spreads to the lungs, the cancer cells in the lungs are actually kidney cancer cells. The disease is metastatic kidney cancer, not lung cancer. It is treated as kidney cancer, not lung cancer. Doctors sometimes call the new tumor metastatic or "distant" disease.
KIDNEY CANCER TREATMENT INFORMATION
Where are the Kidneys Located?
People normally have 2 kidneys which are located below the ribcage at the level of the 2nd and 3rd lumbar vertebrae, in the "small of the back" region. The fight kidney is usually a little lower than the left one, since the right one is pushed down by the liver. The kidneys are "bean shaped" (hence "kidney bean") and the urine produced by each kidney is collected in a hollow area within the kidney called the "renal pelvis". From the renal pelvis, the urine drains through the "ureters" which are tubes vach conduct the urine into the bladder. These structures are called the "collecting system" of the kidney. Each kidney is fed blood by a "renal artery"' and drained off by a "renal vein". The renal arteries come off the the "aorta", which arises from the heart and supplies the whole lower body with blood. The renal veins drain into Inferior vena cava, which then returns the blood to the heart.
There are small glands on the top of each kidney called the "adrenal gland". Each kidney and adrenal gland is surrounded by fat, called the "perinephric fat". The fat is then surrounded by a tough fibrous membrane, called "Gerotals Facia". This is important since the behavior of kidney cancers can often be gauged by whether they have invaded the perinephric fat or Gerota's Facia. Furthermore, like all major organs the kidneys have surrounding "lymph nodes", which are small bean-sized glands that filter the blood as part of the immune system. The outcome of kidney cancer also depends on whether these lymph nodes have been invaded by the disease, as will be seen.
What Do the Kidneys Do?
Obviously, the main function of the kidneys is to detoxify the blood; the toxins are diluted with water and then excreted out as "urine". Urine gets is name from "urea", which is a form of ammonia caused by the body's breakdown of protien; urea gives urine its characteristic smell. If this urea was not urinated out (such as will happen when the kidneys fail) it will build up in the bloodstream, causing "uremia". The symptoms of uremia are worsening fatigue which eventually lapses into a coma and causes death. Thus the excretion of urine is necessary for life.
While kidney failure used to always be fatal, machines than artificially do the kidneys work (called "dialysis filters") can now prolong life from many years in patients with kidney failure- but is is not as good as a real kidney. Dialysis takes a lot of time, is very expensive, and is prone to problems of infection and chemical imbalances in the blood. Some patients will get transplanted kidneys, (called "renal transplant") which eliminates the need for dialysis, if the transplanted kidney "takes" and is not rejected. Therefore, kidney failure today is often a treatable condition.
Besides for making urine, the kidneys control much of the chemical balance of the blood, and the amount of water it contains. Specifically, the kidneys monitor and control the acidity or "acid-base" (pH) balance of the blood. If the blood is too acidic, the kidney makes bicarbonate to restore the bloods pH balance. If the blood is to alkaline, then the kidney excretes bicarbonate into the urine to restore the balance. The kidney also filters out drugs into the urine, and senses the blood pressure to adjust the amount of water being urinated out. The adrenal glands on top of the kidney make hormones contolling sugar and fat metabolism. You can see that the kidney is a complex organ!
What is Kidney Cancer?
Normally, in an adult kidney cells divide rarely, to replace those lost to old age and injury, The division and growth of these cells is under tight control by the genes inside the cells. Kidney cancer starts when control of this division is lost, and so a cell starts to divide "out of control". Kidney cancer starts in just one cell. A change occurs in the genes of this cell which screws up its controls that prevent haphazard division, and it starts dividing like crazy, forming a tumor. A tumor simply means a swelling and is not necessarily cancerous. When the cells in the tumor just grow in their local area, and do not spread elsewhere, then the tumor is benign. However, when the tumor's cells have the ability to spread elsewhere in the body, this is a malignant (cancerous) tumor. A malignant tumor can metastasize (spread) to any area of the body, cause symptoms there, and eventually kill the patient.
How Common is Kidney Cancer?
Each year in the U.S.A. there are 30,600 new cases of kidney cancer leading to 10,000 deaths from the disease. It represents about 2% of all new cancers and cancer related deaths. The average age at diagnosis is 60 years old, and men get kidney cancers twice as commonly as women. The number of cases diagnosed has risen slightly as better imaging techniques detect them more accurately. Sometimes the cancer is missed altogether, and only found incidently when an autopsy is done. About 1% of elderly patients will have some kidney cancer found at autopsy for some other condition, but the cancer never caused them problems in their lifetime. When a tumor is found in the kidney on an imaging scan (such as a CT scan), it has about a 60% chance of being cancerous. The remainder are benign tumors which may cause local symptoms, but will very seldom prove fatal.
Cancer from other areas of the body, particularly lung, can spread to the kidney or adrenal gland. Therefore, finding a cancer in the kidney does not prove that it originated there. About 25% of patients with lung cancer will have eventual spread of it to the adrenal glands overlying the kidneys. Likewise, kidney cancer can spread to other organs, and the kidney may not be recognized as the site where the cancer began.
What Causes or Increases the Risk for Kidney Cancer?
Like any cancer, the exact reason why one person gets kidney cancer and another does not is unknown. However, several factors have been noted which increase the risk for getting it.
The kidney is the blood chemistry and urine producing organ necessary for life. It detoxifies the blood. Besides maintaining the body's water level, it regulates the blood pressure. You can see that the kidney is essential for the maintaining the bodies basic chemical functions. The kidneys are very resilient, but when they fail they can lead to rapid demise of the patient. It has been said, "as go the kidneys, so goes the patient." It is critical to get proper diagnosis and treatment for a kidney cancer problem, this can literally make the difference between life and death. Understanding your options with kidney cancer will give you the peace of mind knowing that you have done everything possible for a successful outcome for yourself or a loved one.
Those individuals that are more at risk for kidney cancer would benefit from getting serious medical advice from a physician. Those mysterious symptoms may be a sign of something very serious, such as cancer.
CancerAnswers's material explains, in plain English, the definition, types, frequency, symptoms, evaluations, historical and latest treatments for kidney cancer. We describe surgery, radiation, chemotherapy, and immune treatments and tell you their results. While we don't promise a cure, we tell you everything you need to know to make the right choices today to deal with a kidney cancer problem.
This is just an excerpt of CancerAnswers's report on Kidney Cancer. Much more, including latest treatment, can be sent to you by mail when you order the complete Kidney Cancer transcript at a nominal cost. Thank you for using CancerAnswers as your information resource.
People normally have 2 kidneys which are located below the ribcage at the level of the 2nd and 3rd lumbar vertebrae, in the "small of the back" region. The fight kidney is usually a little lower than the left one, since the right one is pushed down by the liver. The kidneys are "bean shaped" (hence "kidney bean") and the urine produced by each kidney is collected in a hollow area within the kidney called the "renal pelvis". From the renal pelvis, the urine drains through the "ureters" which are tubes vach conduct the urine into the bladder. These structures are called the "collecting system" of the kidney. Each kidney is fed blood by a "renal artery"' and drained off by a "renal vein". The renal arteries come off the the "aorta", which arises from the heart and supplies the whole lower body with blood. The renal veins drain into Inferior vena cava, which then returns the blood to the heart.
There are small glands on the top of each kidney called the "adrenal gland". Each kidney and adrenal gland is surrounded by fat, called the "perinephric fat". The fat is then surrounded by a tough fibrous membrane, called "Gerotals Facia". This is important since the behavior of kidney cancers can often be gauged by whether they have invaded the perinephric fat or Gerota's Facia. Furthermore, like all major organs the kidneys have surrounding "lymph nodes", which are small bean-sized glands that filter the blood as part of the immune system. The outcome of kidney cancer also depends on whether these lymph nodes have been invaded by the disease, as will be seen.
What Do the Kidneys Do?
Obviously, the main function of the kidneys is to detoxify the blood; the toxins are diluted with water and then excreted out as "urine". Urine gets is name from "urea", which is a form of ammonia caused by the body's breakdown of protien; urea gives urine its characteristic smell. If this urea was not urinated out (such as will happen when the kidneys fail) it will build up in the bloodstream, causing "uremia". The symptoms of uremia are worsening fatigue which eventually lapses into a coma and causes death. Thus the excretion of urine is necessary for life.
While kidney failure used to always be fatal, machines than artificially do the kidneys work (called "dialysis filters") can now prolong life from many years in patients with kidney failure- but is is not as good as a real kidney. Dialysis takes a lot of time, is very expensive, and is prone to problems of infection and chemical imbalances in the blood. Some patients will get transplanted kidneys, (called "renal transplant") which eliminates the need for dialysis, if the transplanted kidney "takes" and is not rejected. Therefore, kidney failure today is often a treatable condition.
Besides for making urine, the kidneys control much of the chemical balance of the blood, and the amount of water it contains. Specifically, the kidneys monitor and control the acidity or "acid-base" (pH) balance of the blood. If the blood is too acidic, the kidney makes bicarbonate to restore the bloods pH balance. If the blood is to alkaline, then the kidney excretes bicarbonate into the urine to restore the balance. The kidney also filters out drugs into the urine, and senses the blood pressure to adjust the amount of water being urinated out. The adrenal glands on top of the kidney make hormones contolling sugar and fat metabolism. You can see that the kidney is a complex organ!
What is Kidney Cancer?
Normally, in an adult kidney cells divide rarely, to replace those lost to old age and injury, The division and growth of these cells is under tight control by the genes inside the cells. Kidney cancer starts when control of this division is lost, and so a cell starts to divide "out of control". Kidney cancer starts in just one cell. A change occurs in the genes of this cell which screws up its controls that prevent haphazard division, and it starts dividing like crazy, forming a tumor. A tumor simply means a swelling and is not necessarily cancerous. When the cells in the tumor just grow in their local area, and do not spread elsewhere, then the tumor is benign. However, when the tumor's cells have the ability to spread elsewhere in the body, this is a malignant (cancerous) tumor. A malignant tumor can metastasize (spread) to any area of the body, cause symptoms there, and eventually kill the patient.
How Common is Kidney Cancer?
Each year in the U.S.A. there are 30,600 new cases of kidney cancer leading to 10,000 deaths from the disease. It represents about 2% of all new cancers and cancer related deaths. The average age at diagnosis is 60 years old, and men get kidney cancers twice as commonly as women. The number of cases diagnosed has risen slightly as better imaging techniques detect them more accurately. Sometimes the cancer is missed altogether, and only found incidently when an autopsy is done. About 1% of elderly patients will have some kidney cancer found at autopsy for some other condition, but the cancer never caused them problems in their lifetime. When a tumor is found in the kidney on an imaging scan (such as a CT scan), it has about a 60% chance of being cancerous. The remainder are benign tumors which may cause local symptoms, but will very seldom prove fatal.
Cancer from other areas of the body, particularly lung, can spread to the kidney or adrenal gland. Therefore, finding a cancer in the kidney does not prove that it originated there. About 25% of patients with lung cancer will have eventual spread of it to the adrenal glands overlying the kidneys. Likewise, kidney cancer can spread to other organs, and the kidney may not be recognized as the site where the cancer began.
What Causes or Increases the Risk for Kidney Cancer?
Like any cancer, the exact reason why one person gets kidney cancer and another does not is unknown. However, several factors have been noted which increase the risk for getting it.
The kidney is the blood chemistry and urine producing organ necessary for life. It detoxifies the blood. Besides maintaining the body's water level, it regulates the blood pressure. You can see that the kidney is essential for the maintaining the bodies basic chemical functions. The kidneys are very resilient, but when they fail they can lead to rapid demise of the patient. It has been said, "as go the kidneys, so goes the patient." It is critical to get proper diagnosis and treatment for a kidney cancer problem, this can literally make the difference between life and death. Understanding your options with kidney cancer will give you the peace of mind knowing that you have done everything possible for a successful outcome for yourself or a loved one.
Those individuals that are more at risk for kidney cancer would benefit from getting serious medical advice from a physician. Those mysterious symptoms may be a sign of something very serious, such as cancer.
CancerAnswers's material explains, in plain English, the definition, types, frequency, symptoms, evaluations, historical and latest treatments for kidney cancer. We describe surgery, radiation, chemotherapy, and immune treatments and tell you their results. While we don't promise a cure, we tell you everything you need to know to make the right choices today to deal with a kidney cancer problem.
This is just an excerpt of CancerAnswers's report on Kidney Cancer. Much more, including latest treatment, can be sent to you by mail when you order the complete Kidney Cancer transcript at a nominal cost. Thank you for using CancerAnswers as your information resource.
Saturday, February 20, 2010
Mossberg 500 Persuader Pump Action Shotgun
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Romanian AK-47 WASR10/63M Rifle, 7.62x39 caliber.
These are 7.62x39 caliber semi auto rifles from Romania. Feature a laminated wood military stock and forend, black synthetic pistol grip, slant cut muzzle break, sling (sling style and condition may vary), bayonet lug, bayonet and one 30rd magazine. Accepts all standard double stack mags. This firearm was assembled by Century Arms International using both new US made parts and original used surplus parts.
LWRC M6A2 COYOTE/MRE
LWRC M6A2 5.56 COYOTE/MRE
In Stock Now!
COYOTE/MRE (Multi Reional Earth) Finish
5.56mm
16.1" barrel
VLTOR EMod Stock
MagPul MIAD Pistol Grip
TROY Folding BUIS Front and Rear Battle Sights
Barrett 30 Round Magazine
LWRC M6A2 5.56 16 MRE $2099.00
The M6A2™ rifle is a standard carbine available in various barrel lengths and in either 5.56mm NATO or 6.8mm SPC. The M6A2™ rifle is ideal for those who utilize optical sights as it employs a low-profile gas block. There is no A-frame front sight to obscure the field of view of the optical device. The M6A2™ rifle also features a longer midlength free float rail system with a removable return-to-zero top. Any M4 MIL Std 1913 accessory can be mounted to the rail, and because the rail has a monolithic profile, you can bridge devices from the receiver to the rail seamlessly. The longer rail also affords more 1913 “real estate” to mount your accessories.
The M6A2™ rifle can be used in various roles. With the 10.5 inch barrel, it is ideal for close quarters battle or fighting in built up areas. The 14.7 inch barrel M6A2™ rifle is an excellent general purpose carbine capable of effective fire out to 600 meters. And with the 16.1 inch barrel, the M6A2™ rifle can be used as a Squad Dedicated Marksman Rifle.
The M6A2™ rifle’s edge in capability, reliability, accuracy and long service life is the result of advanced technology materials and manufacturing processes, combined with progressive patented designs. All LWRCI™ carbine systems feature our short-stroke gas-piston operating system. The operating system is lightweight, self-regulating, and self-scraping. This system of operation does not foul the moving parts of the weapon with carbon or heat which greatly enhances service life and reliability while decreasing both user and armorer maintenance. All M6A2™ rifles feature a match grade, cold rotary hammer forged barrel with a target crown. The barrel is treated with NiCorr™ surface conversion technology that extends service life, enhances accuracy, and increases the effective range of the weapon. The action of the M6A2™ rifle is coated in our proprietary nickel coating that provides a hard permanent lubrication to the moving parts.
The M6A2™ rifle defines itself as the most modern and incrementally evolved carbine in the world. At the same time it also presents the best value. Service life is extended to four times that of a legacy M4, accuracy is 100 percent better, and our M6 rifles are many times more reliable than the legacy gas-impingement design.
The M6A2™ rifle can be used in various roles. With the 10.5 inch barrel, it is ideal for close quarters battle or fighting in built up areas. The 14.7 inch barrel M6A2™ rifle is an excellent general purpose carbine capable of effective fire out to 600 meters. And with the 16.1 inch barrel, the M6A2™ rifle can be used as a Squad Dedicated Marksman Rifle.
The M6A2™ rifle’s edge in capability, reliability, accuracy and long service life is the result of advanced technology materials and manufacturing processes, combined with progressive patented designs. All LWRCI™ carbine systems feature our short-stroke gas-piston operating system. The operating system is lightweight, self-regulating, and self-scraping. This system of operation does not foul the moving parts of the weapon with carbon or heat which greatly enhances service life and reliability while decreasing both user and armorer maintenance. All M6A2™ rifles feature a match grade, cold rotary hammer forged barrel with a target crown. The barrel is treated with NiCorr™ surface conversion technology that extends service life, enhances accuracy, and increases the effective range of the weapon. The action of the M6A2™ rifle is coated in our proprietary nickel coating that provides a hard permanent lubrication to the moving parts.
The M6A2™ rifle defines itself as the most modern and incrementally evolved carbine in the world. At the same time it also presents the best value. Service life is extended to four times that of a legacy M4, accuracy is 100 percent better, and our M6 rifles are many times more reliable than the legacy gas-impingement design.
LWRC M6A2 5.56 16 MRE $2099.00
Friday, February 19, 2010
Model 70 Super Grade Wins The 2009-2010 "Guns and Shooting Online" Rifle Award.
Chuck Hawks, Owner/Managing Editor of Guns and Shooting Online made the announcement to Winchester Repeating Arms on Wednesday, November 11, 2009.
The timeless Winchester Model 70 returned in 2008, but could not be delivered until midway through 2009. Chuck Hawks said, “Kudos to Browning/Winchester for finding a way to keep the new Model 70 rifle production in the USA. We regard it as the finest Model 70 production rifle ever made.”
The new Model 70 is made in Columbia, SC, at the same manufacturing plant where rifles and machine guns used by America’s Armed Forces around the world are built. They are made to the exact ISO 9001 standard of quality that Uncle Sam insists upon for military firearms.
Recommended Shotguns
The single most important thing about any shotgun is that it fit the user. The same is true of rifles, but it is dramatically more important with a shotgun. This is because the buttstock positions the eye in relation to the barrel, and this relationship between the shooter's eye and the barrel is how the shotgun is pointed at the target. There is no rear sight on a shotgun so the stock must position the shooter's eye in the right place, every time the gun is mounted, or a miss will be the result.
The stock also has a lot to do with how the shooter perceives the recoil of the gun, which is considerable with most gauges and loads. The effects of recoil are cumulative, and shooters tend to shoot a shotgun many more times in a day on the practice field that they would a rifle at the range. So again, stock fit is paramount.
I suggest that anyone looking to buy a shotgun do a little research before hitting the gun shops. Use the Shooter's Bible, Gun Digest, or some similar source to make a list of the models that are of interest in the desired price range. Then visit the local gun shops, list in hand, and try the various guns on the list.
Throw them to your shoulder and see if you get the same "sight picture" (view down the barrel) every time. Does the view down the rib look right? (You should see a little bit of rib; if the gun has a mid and front bead, the front bead should appear to sit on top of the mid bead, forming a figure "8.") Does the gun balance properly between the hands? Does it feel dynamic, almost alive, when swung on imaginary birds, or like a length of 2x4? Stock fit and ergonomics are critical, so if a recommended shotgun does not fit you, don't buy it, regardless of how good a deal it seems to be.
Operate the action, switch the safety on and off, and check the trigger. Inspect the fit and polish of the external metal parts, the fit and finish of the action, barrel(s), and the inletting of the stock. Then buy the gun that 1) fits best and 2) shows the best quality and workmanship, or order it if the shop does not have the exact model you want in stock.
The shotguns listed below are field guns, as that is what I am comparing in this article. Most models are available in 12 and 20 gauge, with some models also available in 16 and 28 gauge and .410 bore. Sporting Clays guns are usually similar to field (hunting) guns, and some of those are also included below.
Most of the big shotgun manufacturers also produce specialized field guns for waterfowl, turkey and sometimes deer hunting, as well as competition guns for Skeet and Trap. These are usually based on the same action as their standard field guns.
Competition guns for trap and skeet have become more and more specialized, as a trip to any local gun club will show. Anyone starting out in the clay target sports would probably be well advised to notice what brands and models are popular with the better shooters and try those first. As always, look for the gun that fits best.
Naturally, over the years I have formed opinions about the types, brands and models of shotguns that I like best. I have not used every brand and model of shotgun in the world, and particularly not models seldom seen in the U.S. But at one time I did sell guns for a big gun retailer, and I have been a fairly active recreational shooter most of my life, so I have come into contact with most of the well known models.
I'm not being paid by anyone in or out of the firearms industry to write the things I do, so the recommendations below are mine alone. They are not influenced by advertising money.
Like all shooters I have personal likes and dislikes. It is true, for example, that I favor double-barreled shotguns. My first choice is a good side-by-side, and my second choice is a good over/under. These are the Cadillacs of shotguns and no repeater can match their balance and grace. I am not particularly concerned about whether a gun has a single or double triggers, selective ejectors or plain extractors. I am mainly concerned that it works properly.
On repeaters I prefer a sliding, top tang safety to a button in the trigger guard, but I can live with the latter. Gas operated autoloaders generally kick less than all other shotgun types, which is a strong point in their favor. But pumps are generally more reliable and require less maintainence than autoloaders.
I have grouped my recommendations into categories, which you will find below. These categories are intended to group guns of similar type and general price class. I have listed the guns in each category in alphabetical order. Often there is little to choose in terms of value between the shotguns in a given category. If I don't list a particular shotgun that you cherish, if does not mean that it is no good, it merely means that I find the features of the guns I did list more desirable.
For fun I have included a category for some of "the best" specialty and bespoke shotguns, most of which are from small concerns. Usually the only way to obtain one of these shotguns is to order it direct from the manufacturer, and the waiting list is usually a matter of months or years. Prices run from tens to hundreds of thousands of 2006 U.S. dollars. This list is by no means all inclusive; it only touches on a few of those that claim to build best guns. Some makers offer only best guns, while others also offer lower grade guns; in the latter cases I have specified a "best" model
Remember, it is very important to checkout more than one model before you buy a new shotgun. Examine and handle as many as you can.
"The Best" side-by-side and over-under shotguns (Over $4000, price unlimited)
Arrieta y Cia
Pedro Arrizabalaga
AyA
Boss & Company
David McKay Brown
E.J. Churchill
John Dickson & Son
William Evans
Fabbri
FAMARS - Abbiatico & Savlinelli
A.H. Fox
Armas Garbi
William James Grant
Grulla Armas
Holland & Holland
Fratelli Piotti
William Powell & Sons
James Purdy & Sons
F.LLI Rizzini
John Wilkes
Winchester Model 21
Side-by-side shotguns under $4000 (2006 MSRP) AYA Model 4
Beretta Model 471 Silver Hawk
Bernardelli
Side-by-side shotguns under $3000 (2006 MSRP) AYA Model 4/53
SKB Model 485
Weatherby Athena D'Italia
Side-by-side shotguns under $2500 (2006 MSRP) H&K Fabarm Classic Lion
Ruger Gold Label
SKB Model 385
Over/Under shotguns under $3500 (2006 MSRP) Beretta Model 687 Silver Pigeon Sporting
Browning Citori Lightning Grade IV
Franchi Alcoine SP
SIG Aurora High Grades (TT 25, TR 40, TT 45)
Weatherby Athena
Over/Under shotguns under $2500 (2006 MSRP) Beretta Model 686, 687
Browning Citori Lightning
Franchi Alcione
H&K Fabarm Silver Lion
B. Rizzini Aurum, Artemis
Ruger Red Label
Savage Milano
SIG Aurora
SKB Model 505, 585
Weatherby Orion
Winchester Supreme Field
Autoloading shotguns Beretta AL 391
Browning Silver, Gold
Remington Model 11-87 Premier
Remington Model 1100 Classic Field, Sporting
Winchester Super X3 Field
Pump shogtuns Browning BPS
Ithaca Model 37 (walnut)
Mossberg Model 500
Remington Model 870 Wingmaster
Single barrel break-open shotguns H&R Topper, Topper Deluxe
NEF Pardner
Marine shotguns Mossberg Model 500 Mariner
Remington Model 870 Marine Magnum
The stock also has a lot to do with how the shooter perceives the recoil of the gun, which is considerable with most gauges and loads. The effects of recoil are cumulative, and shooters tend to shoot a shotgun many more times in a day on the practice field that they would a rifle at the range. So again, stock fit is paramount.
I suggest that anyone looking to buy a shotgun do a little research before hitting the gun shops. Use the Shooter's Bible, Gun Digest, or some similar source to make a list of the models that are of interest in the desired price range. Then visit the local gun shops, list in hand, and try the various guns on the list.
Throw them to your shoulder and see if you get the same "sight picture" (view down the barrel) every time. Does the view down the rib look right? (You should see a little bit of rib; if the gun has a mid and front bead, the front bead should appear to sit on top of the mid bead, forming a figure "8.") Does the gun balance properly between the hands? Does it feel dynamic, almost alive, when swung on imaginary birds, or like a length of 2x4? Stock fit and ergonomics are critical, so if a recommended shotgun does not fit you, don't buy it, regardless of how good a deal it seems to be.
Operate the action, switch the safety on and off, and check the trigger. Inspect the fit and polish of the external metal parts, the fit and finish of the action, barrel(s), and the inletting of the stock. Then buy the gun that 1) fits best and 2) shows the best quality and workmanship, or order it if the shop does not have the exact model you want in stock.
The shotguns listed below are field guns, as that is what I am comparing in this article. Most models are available in 12 and 20 gauge, with some models also available in 16 and 28 gauge and .410 bore. Sporting Clays guns are usually similar to field (hunting) guns, and some of those are also included below.
Most of the big shotgun manufacturers also produce specialized field guns for waterfowl, turkey and sometimes deer hunting, as well as competition guns for Skeet and Trap. These are usually based on the same action as their standard field guns.
Competition guns for trap and skeet have become more and more specialized, as a trip to any local gun club will show. Anyone starting out in the clay target sports would probably be well advised to notice what brands and models are popular with the better shooters and try those first. As always, look for the gun that fits best.
Naturally, over the years I have formed opinions about the types, brands and models of shotguns that I like best. I have not used every brand and model of shotgun in the world, and particularly not models seldom seen in the U.S. But at one time I did sell guns for a big gun retailer, and I have been a fairly active recreational shooter most of my life, so I have come into contact with most of the well known models.
I'm not being paid by anyone in or out of the firearms industry to write the things I do, so the recommendations below are mine alone. They are not influenced by advertising money.
Like all shooters I have personal likes and dislikes. It is true, for example, that I favor double-barreled shotguns. My first choice is a good side-by-side, and my second choice is a good over/under. These are the Cadillacs of shotguns and no repeater can match their balance and grace. I am not particularly concerned about whether a gun has a single or double triggers, selective ejectors or plain extractors. I am mainly concerned that it works properly.
On repeaters I prefer a sliding, top tang safety to a button in the trigger guard, but I can live with the latter. Gas operated autoloaders generally kick less than all other shotgun types, which is a strong point in their favor. But pumps are generally more reliable and require less maintainence than autoloaders.
I have grouped my recommendations into categories, which you will find below. These categories are intended to group guns of similar type and general price class. I have listed the guns in each category in alphabetical order. Often there is little to choose in terms of value between the shotguns in a given category. If I don't list a particular shotgun that you cherish, if does not mean that it is no good, it merely means that I find the features of the guns I did list more desirable.
For fun I have included a category for some of "the best" specialty and bespoke shotguns, most of which are from small concerns. Usually the only way to obtain one of these shotguns is to order it direct from the manufacturer, and the waiting list is usually a matter of months or years. Prices run from tens to hundreds of thousands of 2006 U.S. dollars. This list is by no means all inclusive; it only touches on a few of those that claim to build best guns. Some makers offer only best guns, while others also offer lower grade guns; in the latter cases I have specified a "best" model
Remember, it is very important to checkout more than one model before you buy a new shotgun. Examine and handle as many as you can.
"The Best" side-by-side and over-under shotguns (Over $4000, price unlimited)
Arrieta y Cia
Pedro Arrizabalaga
AyA
Boss & Company
David McKay Brown
E.J. Churchill
John Dickson & Son
William Evans
Fabbri
FAMARS - Abbiatico & Savlinelli
A.H. Fox
Armas Garbi
William James Grant
Grulla Armas
Holland & Holland
Fratelli Piotti
William Powell & Sons
James Purdy & Sons
F.LLI Rizzini
John Wilkes
Winchester Model 21
Side-by-side shotguns under $4000 (2006 MSRP) AYA Model 4
Beretta Model 471 Silver Hawk
Bernardelli
Side-by-side shotguns under $3000 (2006 MSRP) AYA Model 4/53
SKB Model 485
Weatherby Athena D'Italia
Side-by-side shotguns under $2500 (2006 MSRP) H&K Fabarm Classic Lion
Ruger Gold Label
SKB Model 385
Over/Under shotguns under $3500 (2006 MSRP) Beretta Model 687 Silver Pigeon Sporting
Browning Citori Lightning Grade IV
Franchi Alcoine SP
SIG Aurora High Grades (TT 25, TR 40, TT 45)
Weatherby Athena
Over/Under shotguns under $2500 (2006 MSRP) Beretta Model 686, 687
Browning Citori Lightning
Franchi Alcione
H&K Fabarm Silver Lion
B. Rizzini Aurum, Artemis
Ruger Red Label
Savage Milano
SIG Aurora
SKB Model 505, 585
Weatherby Orion
Winchester Supreme Field
Autoloading shotguns Beretta AL 391
Browning Silver, Gold
Remington Model 11-87 Premier
Remington Model 1100 Classic Field, Sporting
Winchester Super X3 Field
Pump shogtuns Browning BPS
Ithaca Model 37 (walnut)
Mossberg Model 500
Remington Model 870 Wingmaster
Single barrel break-open shotguns H&R Topper, Topper Deluxe
NEF Pardner
Marine shotguns Mossberg Model 500 Mariner
Remington Model 870 Marine Magnum
Thursday, February 18, 2010
CZ P07 Duty 9mm 16+1
Additional Product Images (click to enlarge)
Product Description
The CZ P-07 Duty is the next generation of the CZ handgun family. The Duty features the ergonomics and accuracy of the CZ 75 with a totally new trigger system. The new Omega trigger system simplifies the CZ 75 trigger system, uses fewer parts and improves the trigger pull. In addition, it allows users to choose between using the handgun with a decocking lever(installed) or a manual safety (included) by a simple parts change. The polymer frame design of the Duty and a new sleek slide profile (fully machined from bar stock) reduce weight, making the P-07 Duty a great choice for concealed carry.
| SKU | 91187 |
|---|---|
| Price | $599.00 USD |
| Ammunition | |
| Ammunition | 40 S&W |
| Magazine Capacity | 12 |
| Dimensions | |
| Weight | 1.7 lbs |
| Overall Length | 7.3 in |
| Barrel Length | 3.7 in |
| Height | 5.1 in |
| Width | 1.5 in |
| Features | |
| Frame | POLYMER |
| Barrel | COLD HAMMER FORGED |
| Trigger Mech. | OMEGA DA/SA |
| Sights | Fixed |
| Safety | interchangeable safety or decocking lever |
Ruger’s New LCP Lightweight .380 Pocket Pistol
 *Please Note!! Many of our pictures are stock photo's provided to us by the manufacturer and do not necessarily represent the actual item being purchased. Please verify this picture accurately reflects the product described by the title and description on this page before you place your order. | | ||||
Ruger 6 + 1 Round 380 ACP w/2.75" Barrel/Blue Finish/Soft Case/ Ultra-light, compact carry pistols weigh only 9.4 ounces in Ruger's
Ultra-light, compact carry pistols weigh only 9.4 ounces in Ruger's smallest pistol frame with a height of 3.6 inches and a width of just .82 inches. The LCP is comfortable and affordable, making it a natural choice for a dependable back-up or personal defense carry pistol. High performance, glass-filled nylon frame is topped by a through-hardened steel slide in a blued finish. Soft case included.smallest pistol frame with a height of 3.6 inches and a width of just .82
inches. The LCP is comfortable and affordable, making it a natural choice
for a dependable back-up or personal defense carry pistol. High
performance, glass-filled nylon frame is topped by a through-hardened steel
slide in a blued finish. Soft case included.
SPECIFICATIONS:
Mfg Item Num: 3701
Category: FIREARMS - HANDGUNS
Type :Pistol
Action :Double Action Only
Caliber :380 ACP
Barrel Length :2 3/4"
Capacity :6 + 1
Safety :No Manual Safety
Grips :Checkered Polymer
Sights :Fixed
Weight :9.40 oz
Finish :BluePriced at this time at $330 retail, many dealers are pre-selling the little guns for under $300. Ruger has orders for several thousand of the little pistols already. If they all prove to be as accurate and reliable as mine, they certainly have a winner in the new LCP. Elsie Pea is a dandy little gun, and I highly recommend her as an everyday, everywhere handgun, and a great little pocket protector.
Colt Defense LE6920 M4 Carbine .223
This specially designed law enforcement weapon system features many of the combat proven advantages of the military M4. With the 4-position buttstock fully retracted, the Law Enforcement Carbine is less than 30 in (76.2 cm) in length and weighs only 5.65 lb (2.56 kg) - ideal for tactical deployment and traditional patrol. Colt's Law Enforcement Carbine is available with a step-cut barrel that allows it to accept a grenade launcher for non-lethal options. Furthermore, the handguard has dual insulated aluminum shielding for more effective heat protection.
| - Unique direct gas operating system eliminates the conventional operating rod and results in fewer and lighter components - Accommodates the full range of 5.56mm ammunition, including the NATO M855/SS109 and U.S. M193, utilizing a rifling twist of 1 turn in 7" (178mm) - Straight-line construction disperses recoil straight back to the shoulder, increasing handling capabilities, especially during repeated fire - 4-position sliding buttstock allows the weapon to adapt to users of different sizes and physical characteristics as well as various firing positions and clothing variations - Cartridge case deflector allows easy operation in both right and left handed shooting positions for increased tactical applications - Muzzle compensator further reduces muzzle climb and helps eliminate flash and dust signatures - Ejection port cover protects the chamber from dust and mud - Field strips easily without special tools for simple field user maintenance - Flat top receiver allows for removable carrying handle and easy mounting of accessories - M203 40mm Grenade Launcher mounts directly to the Carbine without modification - Two 20 round magazines, cleaning kit and sling are standard. 30-round magazines are optional - Target style rear sight features dual apertures (0-200m, 300-600m) and adjusts for both windage and elevation - High strength materials add durability to the forearm, buttstock and pistol grip for greater comfort and effectiveness Price: $1,249.00 *
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Wednesday, February 17, 2010
Hack Your Own Ip Adress
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7 Tips to Avoid Auto Insurance Scams
Fraudulent activity occurs in the business world and the insurance industry is no exception. The Insurance Institute of Canada estimates that 10 to 15% of insurance claims in Canada are fraudulent and the latest insurance scam in Ontario involves the sale of fraudulent auto insurance policies to unsuspecting drivers.
These con-men lure unsuspecting consumers through false advertising, offering the sale of unbelievably cheap auto insurance through newspapers, commercials and over the Internet. It's common for scam artists to ask for an up-front fee and cash payment which is a warning sign that you may NOT be dealing with a licensed insurance agent.
Completing a quote on InsuranceHotline.com ensures that you are always connected with an industry approved, licensed insurance broker or agent you can trust. InsuranceHotline.com does not charge any up-front fees and is a completely free service for consumers.
If an offer seems too good to be true, follow these tips to avoid buying into auto insurance scams:
1. Research the name of the representative to ensure they are legally allowed to sell auto insurance. Visit the Financial Services Commission of Ontario website (www.fsco.gov.on.ca) and click Insurance Agents Licensed in Ontario.
2. Verify with the Financial Services Commission of Ontario website (www.fsco.gov.on.ca) that the insurance company you are dealing with is licensed.
3. Avoid paying up-front cash fees. Licensed agents and brokers do not charge fees.
4. When applying for auto insurance, you must complete an application form called the Ontario Application for Automobile Insurance (OAF1). Check for accuracy if your licensed broker or agent completes the form on your behalf.
5. Always carefully read any documents you sign.
6. Steer clear of paying for your auto insurance through a wire transfer. This is not a safe practice in the insurance industry.
7. Always shop around for the lowest car insurance rates.
To ensure that you are working with a licensed broker or agent, get a quote on InsuranceHotline.com, your one stop destination for all your insurance needs including car, home, motorcycle, and life insurance. InsuranceHotline.com allows you to instantly compare the rates from over 30 top insurance companies for free.
These con-men lure unsuspecting consumers through false advertising, offering the sale of unbelievably cheap auto insurance through newspapers, commercials and over the Internet. It's common for scam artists to ask for an up-front fee and cash payment which is a warning sign that you may NOT be dealing with a licensed insurance agent.
Completing a quote on InsuranceHotline.com ensures that you are always connected with an industry approved, licensed insurance broker or agent you can trust. InsuranceHotline.com does not charge any up-front fees and is a completely free service for consumers.
If an offer seems too good to be true, follow these tips to avoid buying into auto insurance scams:
1. Research the name of the representative to ensure they are legally allowed to sell auto insurance. Visit the Financial Services Commission of Ontario website (www.fsco.gov.on.ca) and click Insurance Agents Licensed in Ontario.
2. Verify with the Financial Services Commission of Ontario website (www.fsco.gov.on.ca) that the insurance company you are dealing with is licensed.
3. Avoid paying up-front cash fees. Licensed agents and brokers do not charge fees.
4. When applying for auto insurance, you must complete an application form called the Ontario Application for Automobile Insurance (OAF1). Check for accuracy if your licensed broker or agent completes the form on your behalf.
5. Always carefully read any documents you sign.
6. Steer clear of paying for your auto insurance through a wire transfer. This is not a safe practice in the insurance industry.
7. Always shop around for the lowest car insurance rates.
To ensure that you are working with a licensed broker or agent, get a quote on InsuranceHotline.com, your one stop destination for all your insurance needs including car, home, motorcycle, and life insurance. InsuranceHotline.com allows you to instantly compare the rates from over 30 top insurance companies for free.
Nokia Universal Codes
What are all these codes and passwords?
Passwords and Personal Identification Numbers (PIN) provide an extra level of security, but there is a
confusing profusion of them. This page provides a guide to what they all are.
Keylock
This is a way to lock the phone keypad so that you don't make calls by accidentally pressing buttons. The
exact sequence of keys varies from handset to handset, but many use [menu] then * or pressing the * and #
keys simultaneously. Note that this lock may not disable the power off button, and will not prevent the
emergency call number being entered.
SIM PIN Code
This is a pin code that locks the sim card until you enter the correct code. This protects your account, even
if your sim is put into another handset. The default code is set by the Service Provider (often 0000 on
Vodafone, 7890 on Virgin). You can change it if you like, but make sure you don't forget the new code.
SIM PIN Code 2
This sim card code controls access to some of the more advanced features of the phone, such as the fixed
dialling list (a restricted list of numbers the phone can call: handy if you lend a phone to a teenage son or
daughter!) The default code is set by the Service Provider. You can change it if you like, but make sure you
don't forget the new code. Not all networks support pin 2.
Phone Security Code
This locks the handset, as opposed to the sim card. Some phones will accept incoming calls with this lock
enabled, but many require the code to be entered even to answer a call. You can also set some handsets to
only accept a "new" sim if the phone security code is entered. The default code varies according the
handset make and model. You can change it if you like, but make sure you don't forget the new code.
Network PIN / Call Barring Code
This is the code you need to change call barring settings that are stored on the network. The default code is
set by the network (0000 or 1919 for Vodafone, 1111 for Orange, 0000 for O2)). You can change it if you
like, but make sure you don't forget the new code.
Account Password
This is a word that you choose when registering your account so that Customer Services staff can be sure
that it is you they are talking to. You choose this yourself.
Account Password 2
Some networks allow a second phone user on an account to have a separate password. It functions as the
Account Password does.
Voicemail PIN
This is a code that you choose to secure the voicemail/answerphone service on your mobile phone account.
If you do not set a voicemail PIN, you may not be able to access voicemail from anywhere but your own
mobile phone. In some cases, leaving the voicemail PIN at the default can let other people listen to or
delete messages left for you. There may be a default code (3333 on Vodafone), but you should change it
straight away!
Pin Unlock Code (PUK)
If you miskey (or misremember) your SIM PIN code, and enter the wrong one three times in a row, the sim
will lock up, and you need to enter the unlock code to release it. You should ask your Service Provider for
this code when you need it. (Ring 0870 077 6655, then choose option 2 to get the PUK code for a Vodafone
PAYG.) Don't try to guess it, because after a few wrong guesses, the sim will be permanently disabled.
Pin 2 Unlock Code (PUK2)
This performs the same function as the PUK, but for SIM PIN 2. You should ask your Service Provider for
this code when you need it. Don't try to guess it, because after a few wrong guesses, the sim will be
permanently disabled.
Master Reset Code
Sometimes known as the Master Code, this allows you to unlock a handset if you have entered the Security
Code wrongly too many times. If you know you have forgotten the Security Code, entering the Master
Reset Code instead will do (even though it is probably more digits). You should ask your Service Provider
for this code when you need it.
Special Code/Service Provider Lock Code
This code is required to allow a phone locked to a particular network's sim cards to be used with a sim card
from another network. Normally, only Orange and T-mobile lock handsets in this way, though O2 and
Vodafone are beginning to lock PAYG and WAP handsets.
The unlock code varies from individual handset to handset, and you can only get it from your service
provider. Expect to pay around £15 to £35 for this code, plus any line rental up to the end of the initial
contract period, except with Virgin, who provide this for free, as long as you have spend £30 on call credit.
Blacklisting
This is not a security code, but it may work like one! To help combat mobile phone thefts, the networks
share a a database of the IMEI (serial numbers) of mobile phones that have been reported stolen. Once a
phone is on this list, it will not be allowed to use any of the networks.
This can be a risk if you buy a second-hand phone, because if it has been stolen, or if an unscrupulous seller
makes an insurance claim after selling, the phone you bought in good faith may be permanently disabled.
Be very careful to check the source of a second-hand phone!
.:: NOKIA ::. Universal Codes
Code Description :
These Nokia codes will work on most Nokia Mobile Phones
(1) *3370# Activate Enhanced Full Rate Codec (EFR) - Your phone uses the best sound
quality but talk time is reduced by approx. 5%
(2) #3370# Deactivate Enhanced Full Rate Codec (EFR) OR *3370# ( Favourite )
(3) *#4720# Activate Half Rate Codec - Your phone uses a lower quality sound but you
should gain approx 30% more Talk Time.
(4) *#4720# Deactivate Half Rate Codec.
5) *#0000# Displays your phones software version, 1st Line : Software Version, 2nd Line
: Software Release Date, 3rd Line : Compression Type. ( Favourite )
(6) *#9999# Phones software version if *#0000# does not work.
(7) *#06# For checking the International Mobile Equipment Identity (IMEI Number).
( Favourite )
(8) #pw+1234567890+1# Provider Lock Status. (use the "*" button to obtain the "p,w"
and "+" symbols).
(9) #pw+1234567890+2# Network Lock Status. (use the "*" button to obtain the "p,w"
and "+" symbols).
(10) #pw+1234567890+3# Country Lock Status. (use the "*" button to obtain the "p,w"
and "+" symbols).
(11) #pw+1234567890+4# SIM Card Lock Status. (use the "*" button to obtain the "p,w"
and "+" symbols).
(12) *#147# (vodafone) this lets you know who called you last.
(13) *#1471# Last call (Only vodofone).
(14) *#21# Allows you to check the number that "All Calls" are diverted to
(15) *#2640# Displays security code in use.
(16) *#30# Lets you see the private number.
(17) *#43# Allows you to check the "Call Waiting" status of your phone.
(18) *#61# Allows you to check the number that "On No Reply" calls are diverted to.
(19) *#62# Allows you to check the number that "Divert If Unreachable (no service)"
calls are diverted to.
(20) *#67# Allows you to check the number that "On Busy Calls" are diverted to.
(21) *#67705646# Removes operator logo on 3310 & 3330.
(22) *#73# Reset phone timers and game scores.
(23) *#746025625# Displays the SIM Clock status, if your phone supports this power
saving feature "SIM Clock Stop Allowed", it means you will get the best standby time
possible.
24) *#7760# Manufactures code.
(25) *#7780# Restore factory settings.
26) *#8110# Software version for the nokia 8110.
(27) *#92702689# Displays - 1.Serial Number, 2.Date Made, 3.Purchase Date, 4.Date of
last repair
(0000 for no repairs), 5.Transfer User Data. To exit this mode you need to switch your
phone off then on again. (Favourite )
(28) *#94870345123456789# Deactivate the PWM-Mem.
(29) **21*number# Turn on "All Calls" diverting to the phone number entered.
(30) **61*number# Turn on "No Reply" diverting to the phone number entered.
(31) **67*number# Turn on "On Busy" diverting to the phone number entered.
(32) 12345 This is the default security code.
press and hold # Lets you switch between lines
IMEI number: * # 0 6 #
Software version: * # 0 0 0 0 #
Simlock info: * # 9 2 7 0 2 6 8 9 #
Enhanced Full Rate: * 3 3 7 0 # [ # 3 3 7 0 # off]
Half Rate: * 4 7 2 0 #
Provider lock status: #pw+1234567890+1
Network lock status #pw+1234567890+2
Provider lock status: #pw+1234567890+3
SimCard lock status: #pw+1234567890+4
NOKIA 6110/6120/6130/6150/6190
IMEI number: * # 0 6 #
Software version: * # 0 0 0 0 #
Simlock info: * # 9 2 7 0 2 6 8 9 #
Enhanced Full Rate: * 3 3 7 0 # [ # 3 3 7 0 # off]
Half Rate: * 4 7 2 0 #
NOKIA 3110
IMEI number: * # 0 6 #
Software version: * # 0 0 0 0 # or * # 9 9 9 9 # or * # 3 1 1 0 #
Simlock info: * # 9 2 7 0 2 6 8 9 #
NOKIA 3330
*#06# This will show your warranty details *#92702689#
*3370# Basically increases the quality of calling sound, but decreases battery length.
#3370# Deactivates the above
*#0000# Shows your software version
*#746025625#This shows if your phone will allow sim clock stoppage
*4370# Half Rate Codec activation. It will automatically restart
#4370# Half Rate Codec deactivation. It will automatically restart
Restore Factory Settings To do this simply use this code
*#7780# Manufacturer Info Date of Manufacturing *#3283#
*3001#12345# (TDMA phones only) This will put your phone into programming mode,
and you'll be
presented with the programming menu.
2) Select "NAM1"
3) Select "PSID/RSID"
4) Select "P/RSID 1"
Note: Any of the P/RSIDs will work
5) Select "System Type" and set it to Private
6) Select "PSID/RSID" and set it to 1
7) Select "Connected System ID"
Note: Enter your System ID for Cantel, which is 16401 or 16423. If you don't know
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Tuesday, February 16, 2010
Gastroenteritis ('gastro')
Gastroenteritis ('gastro') is a bowel infection which causes diarrhoea (runny, watery poo) and sometimes vomiting. The vomiting may settle quickly, but the diarrhoea can last up to ten days.
Gastro can be caused by many different germs although the most common cause of gastro is a viral or bacterial infection. Most children do not need to take any medicine.
It is more common and severe in babies and young children. Babies under 6 months can become ill very quickly because of the loss of fluid from their body.
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Gastro can be caused by many different germs although the most common cause of gastro is a viral or bacterial infection. Most children do not need to take any medicine.
It is more common and severe in babies and young children. Babies under 6 months can become ill very quickly because of the loss of fluid from their body.
Signs and symptoms
- Gastro causes your child to feel unwell and not want to eat or drink.
- Vomiting may happen in the first 24 to 48 hours.
- Then your child may have diarrhoea lasting up to 1 week.
- Your child may have some stomach pains.
- Your child may also have a fever.
Treatment
- Young babies and children can become dehydrated very easily and need to be checked by a doctor. Signs that your child may be dehydrated include drowsiness (being very sleepy and not waking for feeds), dry lips and mouth, not passing wee and cold hands and feet.
- Babies under 6 months may need to be checked again by your doctor after 6 - 12 hours.
- If your child is very dehydrated and cannot keep any fluids down they may need to be admitted to hospital to have fluids by:
- A tube through the nose into the stomach (called a nasogastric or NG tube) or
- Directly into a vein by intravenous therapy.
Care at home
- Children with mild gastro can be looked after at home. The main treatment is to keep your child drinking fluids often. This is needed to replace fluid lost due to the vomiting and diarrhoea. It is important for the fluids to be taken even if the diarrhoea seems to get worse.
- Do not give medicines to reduce the vomiting and diarrhoea. They do not work and may be harmful.
- Your baby or child is infectious so wash your hands well with soap and warm water, particularly before feeding and after changing nappies.
- Keep your child away from other children as much as possible until the diarrhoea has stopped.
Infant feeding
If you are breastfeeding, continue to do this but feed more often. You can give an oral rehydration solution (eg GastrolyteTM, HYDRAlyteTM, Pedialyte or Repalyte ) as well.
If bottle feeding, give oral rehydration solution or clear fluids for the first 12 hours, then give normal formula in small, but more frequent amounts. Offer babies a drink every time they vomit.
Clear fluids
Give small amounts of clear fluid often - ie a few mouthfuls every 15 minutes for all children with diarrhoea or vomiting and especially if your child is vomiting a lot. Give older children one cup (150 - 200ml) of fluid for every big vomit or case of diarrhoea.
Gastrolyte,Hydralyte, Pedialyte and Repalyte are different types of oral rehydration fluid that replace fluids and body salts.
Do not give sports drinks, Lucozade, or undiluted lemonade, cordials, or fruit juices.Food
Your child may refuse food at first. This is not a problem as long as clear fluids are taken. Doctors now suggest there is no need to restrict food. Generally, if your child is hungry at any time, give them the food they feel like eating. Do not stop food for more than 24 hours.When to see a doctor
- Your child is not drinking and still has vomiting and diarrhoea.
- Your child has a lot of diarrhoea (8-10 watery motions, or 2 or 3 large motions per day) or diarrhoea continues after 10 days.
- Your child is vomiting frequently and seems unable to keep any fluids down.
- You think your child is dehydrated eg. not passing urine, pale and lost weight, sunken eyes, cold hands and feet, or hard to wake up.
- Your child has a bad stomach pain.
- There is any blood in the poo.
- There is any green vomit.
- OR you are worried for any other reason.
Key points to remember
- Young babies and children with gastro can become dehydrated very easily - they need small amounts of fluid often.
- Babies under 6 months with gastro need to be checked by a doctor and may need to be checked again by your doctor after 6 - 12 hours.
- Often babies drink every time they vomit. Keep breastfeeding. If bottle feeding, do not stop formula for more than 12 - 24 hours.
- Give older children one cup (150 - 200ml) of fluid for every big vomit or case of diarrhoea.
- Continue to give food if your child wants to eat. Do not stop food for more than 24 hours.
- Your baby or child is infectious so wash your hands well with soap and warm water, particularly before feeding and after changing nappies.
- Keep your child away from other children as much as possible until the diarrhoea has stopped.
Individual information
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