Archive | January, 2014

The Flooding Of Ruthin And St Asaph In Wales

Many of us will remember news coverage of the terrible floods which affected the towns of St Asaph and Ruthin in Wales last year. Over 500 buildings had to be evacuated, causing mass destruction to property, and even the death of 91 year old resident Margaret Hughes. November of this year marked the first anniversary of the devastating floods, but how have the local community taken steps to avoid anything like this happening in future?

Unlike an accidental fire or other disaster stemming from human error, floods are usually the result of natural occurrences, and not our behaviours. As such, it would be impossible for the residents of St Asaph to prevent something like this ever happening again. Just as we cannot control the UK’s often miserable weather, we cannot prevent Mother Nature from sending more floods in the future. However, all hope is not lost.

Residents of St Asaph and Ruthin have been working with Natural Resources Wales (NRW) to provide advance warning of future flooding, and develop safeguards for future flood prevention. Efforts have been pooled from the emergency services, water company officials, flood wardens and community groups to ensure another disaster does not occur. The St Asaph floods were the result of the River Clwyd bursting its banks, but plans and fundraising have been underway for the construction of effective flood barriers to protect the villages if the same should happen again. Depending on funding, the barriers are expected to be completed during early to mid 2014.

The St Asaph floods were clearly an anomaly, but it can be easy to forget that floods can occur anywhere in the United Kingdom and be caused by a variety of factors. As such it’s important for us to all safeguard our homes or communities in times of flood warning, in case the worst should happen.

Home and business owners can purchase a variety of barriers to protect themselves in the event of a flood, from simple sandbags to specially designed door and brick coverings. Flood barriers are often durable and lightweight for easy installation, often providing subtle protection without creating an eyesore or any kind of impracticality. Seals can also be installed around doors or other openings, providing an effective but unnoticeable flood guard. Any number of efficiently installed flood barriers will prevent the spreading of water into your home, protecting both you and your possessions against water damage or harm.

Anti-overflow systems can also help to protect your home or business from floods resulting from overflowing sewage systems. Research in the insurance industry has suggested that almost 50% of the United Kingdom’s floods occur as a result of back-filling sewage pipes. Not only can this water cause expensive damage, it can leave a house or building smelling foul for weeks! However, the installation of a relatively inexpensive self-activating backwater valve can easily prevent this type of flooding.

Have you taken steps to safeguard your home or business from natural disaster? Could you install a flood guard or flood barrier to eliminate the risk of damage to your property?

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Astrology Predictions for 2014-2015

As we can see, there have been huge world changes since then.

Let me outline just a few of them:

– The Central Banks have more power than ever before
– The Federal Reserve brought down interest rates to almost 0%
– Quantitative Easing or money-printing has become the new norm
– Disputes over taxes and tax reforms have escalated
– Movements to unseat leaders continue, including the resignation of President Hosni Mubarak in Egypt and the stepping down of Muammar Gaddafi in Libya
– Cyber-spying is rampant with the revelations that the NSA has been regularly unlawfully spying on its citizens
– We’ve seen earth changes escalate with earthquakes and tsunamis causing whole continents to shift

What does the future look like as we near the end of the Cardinal Climax?

I see two diametrically opposed scenarios playing out:
– Worldwide debt reaches its limit, the financial system panics and the stock market crashes
– Governments shut down and default on their debts
OR
– Leaders in business, banking and government start to behave with transparency instead of secrecy, working hard to restore peoples’ trust in them
– Political leaders make compromises to reduce debt levels
– Businesses are rewarded for hiring people and not penalized

It could go either way. There could be a turnaround from the oppressive economic activities of the last 6 years or an escalation of the same practices.
With 3 planets going retrograde one after the other from the beginning of 2014, (Venus retrograde during January, Mercury retrograde in February, and Mars retrograde from March until May), I am anticipating leaders will change their minds quickly, bankers will change their policies unexpectedly, markets will reverse because of greater uncertainty.

President Obama
As I predicted last year, with transiting Neptune square to his natal Moon, there is the possibility of scandal, deception and misleading behaviour and his trustworthiness could be put into question. There could be damage to his reputation and he needs to make sure that he does everything above board.

This aspect is a hard one because the Moon represents his public image. Not just Americans feel betrayed by him, but also Germany, Israel, Saudi Arabia, to name but a few, by his reversals and failure to communicate with them.

Transiting Jupiter will be conjunct his Sun in September 2014. This could be a high point in his career, but it could also mean that he goes to extremes. His reputation could be severely tarnished especially when Saturn is opposite his natal Moon and square to natal Pluto in 2015.

The main thing is that he needs to be honest. If he can do this, he will be able to salvage his reputation. If not, he will fall from grace and leave office with his reputation in tatters.

Stock Market
I predicted that the stock market would crash in 2013 and I was wrong. I had failed to understand the powerful impact of Pluto in Capricorn on Central Banking intervention in the financial markets. I didn’t realise it would distort the markets to such a degree. I had no idea how far and how deeply the powers that be could manipulate the markets. With the strong influence of Pluto in Capricorn in mutual reception to Saturn in Scorpio, this had led to the infinite printing of money out of thin air. This looks set to continue at least for the next year or so indicating that the stock markets are set to rise for the foreseeable future.

What to invest in and what to avoid:
Jupiter moves back and forth between Cancer and Leo in 2014. The sign Jupiter is in shows the stock sectors more likely to outperform the general market.

Jupiter in Cancer until July 16th, 2014 indicates the stock sectors that are likely to benefit are: housing, hotels, motels, restaurants, anything connected with families and homes, food, drink, caretaking.

Jupiter in Leo from July 17th 2014 until August 11th 2015 favours children’s games and toys, games, gaming companies, leisure, entertainment industry, gambling, anything connected to children, gold mining, romance, love and the dating industry.
The position of Saturn tends to show those sectors that will decline in price. With Saturn in Scorpio until almost the end of 2014, the sectors most likely to be affected by declines are: banks, insurance companies, investment companies, security companies, waste management, funeral services, oil and gas companies, medical and surgical suppliers.

As long as the Fed continues to intervene in financial markets, stock prices will increase. I doubt they will stop QE in the foreseeable future, so stocks are likely to continue rising. If the Dow Jones Index falls below 13000, this could mark a bearish shift in the market.

Gold and Silver
The Federal Reserve may taper its bond and securities purchases, thus pushing up interest rates and resulting in the falling of the price of gold.

If, however, we see increasing political upheaval and a greater social unrest, which I am anticipating, this would support a rise in the price of gold.

With Jupiter in Cancer and in Leo, which represent silver and gold respectively, and with Mars going into Scorpio from July 25th until September 13th, 2014, this could be a time of a strong rally for precious metals since Mars in Scorpio is a good predictor of a surge in the price of gold and silver.

In the long run, however, gold and silver prices will soar. As to exactly when, depends on how long the manipulators can control the markets. Once there is a breakdown in trust and a market panic, everyone will turn to gold. Right now it is a bargain. If you have any spare money, buy a small amount of both gold and silver. Keep buying more each time the price dips. At some point, I am still confident that gold will trade above $3000 USD an ounce and silver will be at $100 per ounce.

Weather Changes
I predicted last year that with so many planets in water signs that we would see flooding, heavy rains, tornadoes, and great destruction from water. We saw flooding in so many places around the world: in Colorado, throughout much of Europe, in Canada, the devastating floods in Jakarta, Indonesia, in Thailand, and more recently, Typhoon Haiyan in the Philippines, to name but a few.

With Jupiter in Cancer for almost 7 months of the year, Saturn still in Scorpio and Neptune in Pisces, I am anticipating more issues around water and flooding again this year.

With Jupiter in Leo from July 16th, especially with the square to Saturn in Scorpio, I think this could result in extreme heat, widespread fires, and heat in areas where it is least expected.

With Uranus playing such a central role in Aries triggering the Cardinal Cross, I anticipate extreme temperature changes, earthquakes, tsunamis, power outages and general weather and earth changes.

During Mars Retrograde from March 2nd until May 20th is not the best time to start something new e.g. a job, a house move.
It is not a good time to initiate a dispute as the person who is the aggressor usually loses.
Mars rules surgery so if you have any elective surgery, try to schedule it before or after the Mars retrograde.
This will be a wonderful time for people in the repair business, especially anything connected with mechanical or technical breakdowns. So many people’s systems will break down at this time and their services will be in great demand.

Summary of Predictions for 2014:

Economy and Government:
Continued economic stagnation
More riots and protests
Bailout after bailout continues
Higher unemployment
More failures of large insurance companies
Rising food and power costs
Gold and silver very volatile but going upwards by the end of the year
Mobile money will continue to grow
Adoption of more crypto-currencies like Bitcoin
Print publications continue to die off
More whistleblowers come forward like Edward Snowden
Attempted crackdown on Internet freedoms by various governments

Medical:
Improvements in stem cell therapy
Breakthroughs in cancer research and treatments
Great progress in genome sequencing
Mobile fitness device market growing
Growth of Health Apps e.g. Diabetes UK for blood glucose, Healthsome for blood pressure
People becoming more actively involved in their own healthcare

Housing and living:
Passive housing becoming a growing market
Sustainable cities becoming more prevalent
Growth in use and application of Green Technology
Cities getting smarter as sensors connect transportation, health care, lighting e.g. sensors to help you find a parting spot, safety, security, earthquake detection

Technology:
Wearable devices will proliferate
Google Glass to be launched into mainstream
Apple iWatch coming this year
Ipads and tablets growing use in education globally
Improvements in battery technology e.g. mobile phones which can be recharged from flat in just 10 minutes and will stay charged for at least a week
More space travel and exploration
Robots being used for daily activities
3D printing becoming mainstream
Smarter devices for tracking where we are, what we are doing and how they can help us
More time travel experiments
Space explorations increase with research into other universes
New technology and social media helping people to find work e.g. Backr, Networking for Work which trains jobseekers how to use social media to find work
Using technology so that we can all find meaningful work

Weather:
Extreme patterns worldwide
More earthquakes than usual
Greater extremes of hot and cold
Flooding and water problems
Discovery of new lands emerging from the sea
Power outages
Necessity of survival kits and backup for power, food and water
Breakthroughs in our understanding of the sea

Spiritual:
An awakening of consciousness becoming more and more widespread
People connecting with their ‘tribes’
Movements of large numbers of people to safer places where they can be more self-sufficient and connect with like-minded people

Conclusion
During these tumultuous times of the Cardinal Climax we have a unique opportunity to bring about personal and global changes that will change our world for the better.
These difficult aspects can help to bring about much-needed changes as we cannot continue to destroy our planet as we have been doing. The trine between Jupiter, Neptune and Saturn is still in play, giving us a window of opportunity to create the kind of world where love and peace prevail.

Happy New Year!

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How to Apply For Automobile Loans Online?

So at last you found your dream car and want to buy it? Then it is quite obvious that you will have to pay for your new car. Now, let me tell you that most car buyers opt for car loan to buy their new car. To get a car loan you need to apply for it. In this article I will give you some good information to ensure that you apply for the best loan for your car.

First let me tell you about the basics of car loans.

The Basics of Auto Loan

An auto loan will provide you the required finance to purchase a used or new vehicle. You need to borrow money from a creditor and pay it back within a specific time with interest. The amount borrowed is termed as loan principle. Car loans usually include interest and that is how the creditors make profit on the money that they lend you. So, if you lend $20,000 for a car at an interest of 5 percent, you will have to pay $21,000 to the lender, which include both the principle and the interest.

Loan Term

The loan term simply refers to the specific period of time during which you will need to pay back your lender the amount borrowed. Majority of car loans are paid in monthly installments, where you need to pay your creditor a specific amount each month and pay off the loan gradually. Remember that unless you are paying the entire loan amount, your lender is the technical owner of your vehicle. And in case you become a defaulter, the creditor can repossess your car.

Applying For the Loan

It is never a good idea to apply for an auto loan to just one lender. You can contact local credit unions, banks or other money lenders to get information on what they are offering and then apply to multiple creditors. While applying for the loan, you will have to fill out loan applications where you need to provide certain information like your social security number, any outstanding debts, details of employment and income and many other details. Never exaggerate your income or provide any wrong information, as all information you provide in the form will be verified.

How to Find the Right Loan Offer

While applying for loans, go over each single offer to find the best one. Try to avoid offers that charge you a considerable amount of fees. Another vital thing to consider is the loan term. A longer term may offer you lower monthly payment. However, remember that when you are paying for a longer period, you are paying more in interest. Also, it is advised not to opt for loan that will charge you for prepayment. Many creditors charge if you pay off the loan early and no one likes to get charged for making early payment.

Many car buyers often think that the car dealership is offering them the best financing rates. But that is always not right. You can certainly consider the loan offered by your car dealership, but to ensure lowest rate of interest, try to bring a pre-approved loan either from a credit union, bank or any third-party lender. If the interest rate offered by your dealership is less than the rate of interest of the pre-approved loan, you can always consider their loan offer.

Look Online For Car Loan Offers

You can also apply for a car loan online to get loans without less fuss. You will find a number of online auto loan offerings. This will allow you to get approved loan without stepping in a bank or credit union.

Hope the above information will help you to apply for the best car loan.

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