ECB Reports Limited Damage from Hurricane Irene

ENGELHARD, N.C. -- ECB Bancorp, Inc. (NASDAQ: ECBE) (“ECB” or the “Company”), the parent company of East Carolina Bank (the “Bank”), reported that their doors were open on Monday to service the needs of their customers at 22 of their 25 office locations, after Hurricane Irene made landfall in eastern NC early Saturday morning.

ECB Bancorp, Inc. is a bank holding company, headquartered in Engelhard, North Carolina, whose wholly-owned subsidiary, The East Carolina Bank, is a state-chartered, independent community bank insured by the FDIC. The Bank provides a full range of financial services through its 25 offices covering eastern North Carolina from Currituck to Ocean Isle Beach and Greenville to Hatteras. The Bank also provides mortgage, Wealth Management, and insurance services through the Bank’s licensed agents. The Company’s common stock is listed on The NASDAQ Global Market under the symbol “ECBE.” More information can be obtained by visiting ECB’s web site at www.MyECB.com.East Carolina Bank operates 25 offices in eastern NC from Currituck to Ocean Isle Beach and Greenville to Hatteras, which is the same area of NC that Hurricane Irene’s path tracked this past weekend. ECB’s team focused on preparing their office locations to shoulder the storm last Thursday and Friday while various communities issued mandatory evacuations. “The safety of our associates and their families was of primary importance to us as ECB prepared for Irene’s arrival. As early as Friday, we relocated key personnel to our Greenville market to ensure business continuity after the hurricane. Our customer call center was operational during the weekend to assist our customers, and our website was updated with pertinent information related to our office locations,” reported James Burson, EVP and Chief Revenue Officer.Dwight Utz, President & CEO stated, “Our disaster preparedness and recovery plan was activated and management from across our organization met at intervals throughout the weekend to ensure that each component of our plan was positioned for execution. The post disaster and recovery process has been executed with precision and placed ECB in the position to open our doors on Monday in order to service the special needs of our small business clients and individual customers post Hurricane Irene. Certainly we are most grateful that all of our associates and their families remained safe during the hurricane.”All offices of ECB are open normal business hours, with the exception of Avon and Fairfield which will be open as soon as possible.

ECB Bancorp, Inc. is a bank holding company, headquartered in Engelhard, North Carolina, whose wholly-owned subsidiary, The East Carolina Bank, is a state-chartered, independent community bank insured by the FDIC. The Bank provides a full range of financial services through its 25 offices covering eastern North Carolina from Currituck to Ocean Isle Beach and Greenville to Hatteras. The Bank also provides mortgage, Wealth Management, and insurance services through the Bank’s licensed agents. The Company’s common stock is listed on The NASDAQ Global Market under the symbol “ECBE.” More information can be obtained by visiting ECB’s web site at www.MyECB.com.

Choices in Hurricane Window Protection

Hurricane window protection is the most important protection for your home. The choices are many and our guide is to help you to compare the pros and cons of various systems so you can make a decision you will be happy with for many years.

Easily deployable by one person when they are needed.Designs and style may limit their use.ROLL DOWN HURRICANE SHUTTERS ($35 - $55 / sq. ft.):Hurricane impact glass can withstand hurricane debris and completely eliminate the need for hurricane shutters. It costs more to retrofit an existing home, but is most cost effective if a homeowner is considering replacing old windows anyway. This is the most value added of the hurricane window protection systems, since these windows also improve energy efficiency, are an excellent theft deterrent, provide sound deadening from outside noises, as well as protect your home in the event of a hurricane (http://arttofimpactwindows.com/products.html). Further, adding new impact windows is likely to increase the value of your home, more so than with any of the other hurricane protective systems.Finally, if your existing windows are in need of replacement because they are old, I encourage you to retrofit them with impact windows since the cost difference between non-impact windows with hurricane shutters versus only impact windows is marginal.One of the most expensive systems.Window film can reduce the sun�s damaging rays into your home and it is promoted to be a theft deterrent. It may also very well reduce the chance for shards of glass to go flying through your home in the event of a hurricane, but do you really think slapping a thin piece of film on your existing windows is going to keep your roof on in the event of a hurricane? By comparison, impact windows are almost three times as thick as regular window glass. Hurricane windows are made up of two layers of glass and sandwiched between these layers of glass is a strong tear resistant interlayer (film) that keeps the glass together in the event it is broken. They are much like the windshield of automobiles.Require storage, but can be stackedFirst, understand what it is your protecting: it�s not just the shards of glass from the broken window that are dangerous - having your roof blown off will really get your attention. During a hurricane, the strong wind that blows over your home creates a �lift� effect on your roof. If a window or door opening is blown open during the storm, this creates an additional upward �push� on the roof, thus doubling or tripling the lifting effect. This is how roofs are blown off.Heavy and difficult to handle, hanging may require more than one personHere are the vitals on your choices for hurricane window protection for your home.CONCLUSION:COLONIAL AND BAHAMA HURRICANE SHUTTERS ($18 - $28 / sq. ft.):Bulky and not attractive. Consider aesthetics before purchasing these.Cannot be used as hurricane protection for doors, must be combined with another system.Most inexpensive of all hurricane protective systemsTime consuming - other than plywood, this system requires the 2nd most time to installExcellent theft deterrent, nearly impossible to break thru the glass to gain entry.Not a convenient option for 2 story homesPermanently attached next to, or above the window, don�t require storage.Permanently attached next to the window, don�t require storage.Storm Prep: Minimal, easiest of the hurricane shutter systemsSTORM PANEL HURRICANE SHUTTERS ($5 - $8 / sq. ft.):Motor driven systems require a battery backup so they can be operated during power outages.IMPACT WINDOWS AND DOORS ($40 - $55+ / sq. ft.):Since they can be locked, they make an excellent theft deterrentStorm Prep: 30 minutes to an hour for an entire homeACCORDION SHUTTERS ($15 - $18 / sq. ft.):Hurricane shutters are the most economical, therefore the most popular solution chosen by homeowners. However, hurricane impact windows and doors are also very popular because of the added benefits of convenience, security enhancement, better energy efficiency, sound proofing and its attractiveness over shutters. The least expensive system is plywood or panels; these offer great protection, but take a great deal of time to install.Once you have narrowed your choices to what type of system is best for your situation, talk to an expert to help you in your final selection. Depending on which of the above systems best suits you, there are many different style choices, and manufacturers who offer different options. Window contractors are your best experts. How to find one? Ideally, get one who is referred to you by a family member, neighbor or a friend. If they have done a good job for them, this person can provide you with a wealth of knowledge that has been learned over the years. If you must select a contractor you find online, check out their references (at least 5), call them, and go look at the contractor�s work.Can be heavy and difficult to handle, hanging may require more than one personThese are louvered hurricane shutters that attach directly to the wall beside or above the windows.Can be installed by a handy DIY.And don�t underestimate the hassle of installing shutters every time there is a hurricane warning. I frequently go out to do estimates for impact windows on homes that have shutter panels because the homeowner is tired of dealing with installing them.Storm Prep: 15 - 20 minutes per window; 4 to 6 hours for an average homeMost inexpensive of the �permanent� hurricane shutter systemsYour considerations: Cost, appearance, and convenience (this one is often under estimated).Like roll-down hurricane shutters, this is one of the most expensive systems.Some can be locked and may be used as a theft deterrent.Eliminates the need for hurricane shuttersGreat for people with second homes since the home is hurricane ready all the time.Not a safe option for 2 story homesA popular and effective choice, installing plywood shutters to fit snugly inside the window or door frame is an efficient and affordable option for homeowners. These shutters were effective even in the highest winds of Hurricane Andrew, and are relatively easy to install. If you are going to use this method, the plywood needs to be 5/8� to 3/4� thick, and since it takes a lot of time to prepare, it should be cut to size way before we have a storm bearing down on us.Accordion hurricane shutters are attached directly to your home at the window or door opening, folded up when they are not in use and easily unfolded, accordion-style when you need to cover and protect the opening during a storm.Keep in mind that if the aesthetics of shutters is bothering you, but the cost of impact windows is nearly out of reach, you can always combine the two. Install impact windows on the front, and possibly the sides of your home. Then protect the window openings that are cannot be seen from the street with shutters.Storm Prep: 30 minutes for an entire homeThey have more mechanical parts, so may require more maintenance than other devices.Have sharp edges � can be dangerousAdded value of sound deadening and energy efficiency over regular windows.Storm Prep: NONEPositives:MYTH BUSTER - WINDOW FILM & A LITTLE ABOUT IMPACT WINDOWS:PLYWOOD SHUTTERS ($2 - $4 / sq. ft.):Require the most time to installAnother popular and effective choice, these hurricane shutters are typically steel or aluminum corrugated panels that attach to the walls around windows and doors. There are several mounting methods using either pre-mounted tracks and bolts or just bolts.A key factor in the strength of impact windows is how the glass & interlayer are VERY securely attached to a reinforced frame (both mechanically and thru the use of industrial adhesives) so the window does NOT detached even under extreme pressure. The purpose is to keep all window openings sealed so as to not cause a change in pressure inside the home thus blowing off the roof (see video at http://arttofimpactwindows.com). The idea of putting window film on a regular window with its lightweight frame and expecting it to even remotely resemble a Miami-Dade approved impact window is ridiculous. Yes, it would be better than nothing, but your money would be better spent on plywood.Since they are decorative they can beautify the home as well as protect it.These hurricane shutters attach permanently above the window in an enclosed box when they are not in use and roll down, either manually with a hand crank or electronically by motor, when you need them.Storm Prep: 20 � 25 minutes per window (if pre-cut); 5 to 8 hours for an average homeNegatives:

Once you have narrowed your choices to what type of system is best for your situation, talk to an expert to help you in your final selection. Depending on which of the above systems best suits you, there are many different style choices, and manufacturers who offer different options. Window contractors are your best experts. How to find one? Ideally, get one who is referred to you by a family member, neighbor or a friend. If they have done a good job for them, this person can provide you with a wealth of knowledge that has been learned over the years. If you must select a contractor you find online, check out their references (at least 5), call them, and go look at the contractor�s work.

How To Find And Install The Best Hurricane Windows

Hurricane windows were first developed in response to the disaster of Hurricane Andrew in South Florida in August of 1992. They are effective for protecting your home from high winds and flying debris. They can be installed during construction or added later as a home improvement project. The cost of these windows is comparable with other high quality windows.

Proper installation is essential for these windows. The best window in the world will not protect your home, if it isn�t installed correctly. The method of installation depends on the window and the materials used in the exterior of the home. In most cases, professional installation is required. Your warranty may be voided if an inexperienced person installs them incorrectly.As one might expect from a 200 year-old roof, the rafters needed to be shored up. Indeed, they were actually splayed from the weight, and Charles decided to remove the roof altogether. Once the old roof was off, the carpenters actually winched the rafters back into place, then added additional rafters that cannot be seen when coming up the steps. He also decided to add a new pent roof to replace the small porch that formerly shaded the two front doors; all that was left of this porch was an oddly-placed cornice above the doors. Both the pent roof and house roof were shingled with cedar shakes, cut thicker than is usually done with today's materials. A molded cornice has been added to the eaves, matching the details of the doorways.Benefits of Hurricane WindowsSergeantsville is located just down the road from Green Sergeant's Bridge, the last surviving covered bridge in New Jersey. The bridge was built around 1750, and it is thought the town was established around 1830. Route 523, which passes through Sergeantsville, was the original Old York Road which linked Trenton to Flemington, then on to New York. This village is located in Delaware Township, Hunterdon County, not far from New Hope PA and just a few miles east of the river.There are other benefits to these windows. They add a degree of security to your home. Because they are constructed to withstand enormous pressure, they are difficult to break into. The construction of the window and the method of attachment to the home make it hard for someone to enter your home. Many insurance companies offer a discount for this extra measure of security. Contact your agent to determine if a discount is available.Then, on to the stone walls. It is commonly thought that the raw stone exteriors were exposed, but in reality, unless the builder was using "dressed stone" these walls were considered unsightly rubble, and only the poorest homeowner would refrain from covering them with plaster. Charles decided to at least stucco the front wall to make the house look more appropriate to the period. But in order to please the modern eye, he left the sides of the house exposed.This house is currently offered for sale, and it's a delight to visit a residence that has been restored with every attention to detail. But the transformation didn't come easy! The depth of knowledge (and pockets) to pull off such a project can be daunting. However, this magnificent stone house in the small town of Sergeantsville, NJ proves that such a renovation can have tremendous rewards, and it is waiting for a new owner who will carry on the tradition.Shutters are often used to protect windows. Other people board up the windows with plywood year after year. These are both expensive and labor intensive. Windows designed for hurricanes are always in place, ready to protect your home. These storms change course quickly and it will benefit you to be ready all the time. Some people can�t take shutters on or off the house, due to physical limitations. These windows eliminate the need for this extra work.These products must go through rigorous testing to ensure their effectiveness. Impact test are conducted to simulate both small and large impacts that may occur during a storm. These tests simulate the flying debris that is typical in hurricanes.The previous owner had already begun some of the restoration. The 10-foot wide stone fireplace had been turned into a closet; the panels needed to be removed, and the wood stove was installed. An expansive kitchen/dining area was added on to the rear of the house, using antique barnwood beams in the ceiling and exposing the stone on the interior wall. Because the only entrance to the basement was originally an exterior entrance, it has now become a trap door in the kitchen floor.

Proper installation is essential for these windows. The best window in the world will not protect your home, if it isn�t installed correctly. The method of installation depends on the window and the materials used in the exterior of the home. In most cases, professional installation is required. Your warranty may be voided if an inexperienced person installs them incorrectly.

Author: Clinton Maxwell

Small Town Stone House With A Long History

As a native Midwesterner, the first thing I noticed when moving to the Delaware Valley was the enormous number of fieldstone houses. Frankly, I'd never seen such a thing. What people in the East take for granted is a matter of wonder for the rest of us who grew up in much younger cities.

Jersey Winder - or pie-shaped - stairs lead up to the two second-story bedrooms. These stairs are stenciled, as are the floors in the master bedroom and bath. The upstairs hallway still shows the exposed stone wall. The upstairs closet and bathroom doors are finished with faux graining, and you have to touch them to know the difference.Construction of Hurricane WindowsThe windows are constructed of two layers of laminated glass. The glass has a strong, plastic film between the layers. In the event the window shatters, the film layer stays in place, protecting your home from wind damage and your carpet from the driving rain. The inner layer of the window varies according to the size and style of the window.These windows can generally withstand wind speeds of up to 130 miles per hour. They can withstand debris flying at these speeds as well. In addition to windows, the glass is available for sky lights and patio doors to protect the whole house.Although probably original, the front doors had been cut and fitted with windows, which didn't really work for the house. To improve this look, Charles commissioned new doors and period-style paneled doorways to take the place of the weathered jambs.But that was only a first step. All the old doorways and window frames needed replacement. "The new windows are all hand-built in the 18th-century style, and have early glass in them," Charles explained. He found period hardware for the doors and windows, and added working shutters that are so tight they practically create a vacuum seal when closed. He also fitted removable custom storm windows to the inside of the frames, to make this period house more energy-efficient.The current owner, Charles Frischmann, was just the man to take on the project. Organist, music professor, historian, antique collector, Charles had already restored two stone houses and was ready to take on the third. He had learned much from the previous undertaking, and this one didn't even give him pause.The film in the inner layer helps protect your home from ultraviolet rays. The UV rays of the sun can fade your carpets, curtains or furniture. In addition, the material helps reduce sound entering the home as well as sunlight.Obviously, the biggest benefit is protecting your home form the wind and water during a powerful storm. Most damage done to homes during hurricanes occurs as a result of broken windows. Flying debris breaks the window and high pressure air enters the home. This high pressure air can either blow out the window on the opposite side of the home, or blow the roof right off your house.As with many houses from the 19th century, this house has two front doors. There's a very logical reason for this. One door leads into the "keeping room", where the family keeps house. The keeping room contains the large fireplace for cooking, and of course a table and chairs for the family to relax. This is not the room you want to introduce your guests into! So a second door would lead into the living room, which was probably only used for special occasions.

Sergeantsville is located just down the road from Green Sergeant's Bridge, the last surviving covered bridge in New Jersey. The bridge was built around 1750, and it is thought the town was established around 1830. Route 523, which passes through Sergeantsville, was the original Old York Road which linked Trenton to Flemington, then on to New York. This village is located in Delaware Township, Hunterdon County, not far from New Hope PA and just a few miles east of the river.

Author: Mercedes Hayes

Shower Enclosures with Heavy Glass Shower Doors are Best for Bath Remodel

When it comes time to renovate your bathroom look into getting rid of your old bathtub in favor of new shower enclosures with heavy glass shower doors. Most people never really needed their old bathtubs as for the most part they take showers every morning and never really use the bathtub. A shower enclosure with a heavy glass shower door is a great option for your bathroom remodel.

You can not have a dual shower head in your old tub with a shower curtain as too much water would probably escape and the plumbing would be a nightmare to leave the bathtub still in use. With heavy glass shower doors to keep the water in and the waterproofing done on the shower enclosures you could have just about as many shower heads as you want.Shower enclosures are good because they seals in the heat and steam making it kind of like a sauna as you shower. A shower curtain also needs replacing fairly often with the amount of grime that can build up on it after a long period of use. Shower enclosures with heavy glass shower doors have a much longer lifespan.You might have seen really nice shower enclosures with heavy glass shower doors and multiple shower heads on television and wanted something like that for your bathroom. There are a number of shower enclosures that are very nice. Different types of glass and stone works make them elegant and very easy to clean. Some even come with a coating preventing soap scum and calcium deposits from building up along the shower walls and door.Many people are getting a special coating on the heavy glass doors and shower enclosures so any buildup wipes off much easier than ever before. Your bathroom will look so much more elegant and makes you excited to jump in the shower every day. You�ll also find with the shower enclosures there is much less slipping with a flat bottom floor. Even if things do get slippery there are 3 hard walls and heavy glass shower doors with handles to help keep you from slipping and falling down in the shower.When you price out some moderate stone work and a new shower enclosure and heavy glass shower doors look into setting up a dual shower head system to massage and clean in tandem. Your shower should be a very relaxing place for you to enjoy.Whether you are looking to update the tired old look of your bathroom, or you need more security in preventing falls or flooding, shower enclosures with a heavy glass shower doors are always an advantage over an old bathtub with a shower curtain. It increases the value of your home, it�s easier to clean and just a luxurious addition to your bathroom.

Whether you are looking to update the tired old look of your bathroom, or you need more security in preventing falls or flooding, shower enclosures with a heavy glass shower doors are always an advantage over an old bathtub with a shower curtain. It increases the value of your home, it�s easier to clean and just a luxurious addition to your bathroom.

Author: Christy Martin

Seeking Port Huron Professional Board Up Services

Extreme weather can occur anytime and this is very true today as the world experiences climate changes. In August of 2009, a fierce storm hit Port Huron damaging the city severely. Trees were uprooted and some collapsed on houses.

Anytime Port Huron expects bad weather to strike, property owners are advised to consider having their homes and businesses professionally boarded up. Boarding up the structures of a building such as the doors and windows will help the building withstand storms and heavy rains.Residents of Port Huron and neighboring areas expecting bad weather will find it easy to locate a professional boarding up company that is readily available at short notice and at any time of day or night. Companies realize that many emergency situations require their board up services so round-the-clock operations are typical, assuring customers that they can secure their properties from bad weather or criminal elements any time the need arises.Hiring Professional Boarding Up ServicesLet the representative know whether the property is a residence, an office, or a commercial establishment. Is it a single or multiple-floor building? What structures of the property need to be boarded up - the door, window, or storefront? The type of property and the structures to be covered will determine what boarding up materials will be needed. For instance, a broken glass storefront will of courser require glass board up services and the appropriate materials.Quick Service for Emergency NeedsThe representative will also need to determine if you are the property owner, the designated person responsible for the property, or you simply calling for the property owner. In the last two cases, the representative would ask whether you have the authority to have the place boarded up.Make sure to indicate right away if you have an emergency situation so they can dispatch a crew to your location right away. Some instances that may be considered emergencies are approaching storms and break-ins when board up services would be required immediately. In such cases, be sure to leave a contact number with the representative where they can surely reach you.In the aftermath of such inclement weather, it is typical to find some windows or entryways broken in homes, stores and other places of business. This is also a situation that would need professional glass board up services and general boarding up services.They will also need to know the exact location of the property that you want boarded up. The property may be different from your place of residence where the bill will be sent so make sure not to confuse the addresses so as not to delay their arrival. You may want to give them good road descriptions like landmarks to help them find the location faster.

Residents of Port Huron and neighboring areas expecting bad weather will find it easy to locate a professional boarding up company that is readily available at short notice and at any time of day or night. Companies realize that many emergency situations require their board up services so round-the-clock operations are typical, assuring customers that they can secure their properties from bad weather or criminal elements any time the need arises.

Author: Leo Nov

Automotive Industry - Try This If You Are Struggling Selling Cars in This Economy

The automotive Industry is really facing some tough times right now. How long will these down times last?

Insuring your house and property to the maximum extent possible. An up to date inventory of your possessions is a smart move.Secure all doors and windows, close off windows with curtains or blinds, and close all internal doors.With a little good fortune, these fairly simple precautions should get you through the hurricane safely. You will have done well, and will emerge healthy and fit enough to tackle the inevitable clean up. Good luck.While serving seven and a half years in prison, Troy Evans learned that the most confining prison walls are not made of bricks and bars but rather hopelessness, fear and self-doubt. Troy began building his walls more than a decade before his arrest. It was only after he was imprisoned behind real bars that Troy used the time for self-reflection and developed the tools and self-discipline he needed to tear down his internal prison. Only then was he able to become a better father, a better son, and now, a highly sought-after inspirational speaker.

Good luck with whatever you decide!

Author: Nick J. Lang

Handling a Hurricane; Part 2 - Preparing for and Surviving an Approaching Hurricane

Part 1 of this article described some of the characteristics of hurricanes and the damage they can cause. In the days before high tech weather forecasting, well organized emergency services, and mandatory evacuation, major hurricanes resulted in hundreds, if not thousands of deaths.

Owning a battery operated Weather Radio. This will provide you with warnings about the storm's location and time and location of landfall, and will also advise when the crisis has passed.Stay inside. The main dangers are flying debris and downed power lines. Listen to Weather Radio, and don't go outside until the hurricane has passed. If the eye passes over you, a deceptive period of calm will be followed by the return of strong winds and heavy rain.Considering strengthening your roof against lifting by severe winds - options include roof strapping or extra clips.The North American hurricane season starts on June 1st, reaches a peak in August and September, and fades out over the next two months. This doesn't mean that major hurricanes won't occur before or after the peak - July 2005 set new records for early hurricanes.While Troy Evans gave up baseball for drugs years ago, his hardships have given him a chance to play on the most important team of all � the team of humanity. Looking back, Troy remembers the coaches who encouraged him, the teacher who tried to save him, and the family who had faith in him. His story reminds us all that we are guardians of our future generations and caretakers of our society by showing us the effects that just a few people had on a boy, a criminal, and a man.Listen out for hurricane watches, warnings and special bulletins on Weather Radio, normal radio and TV. A Hurricane Watch (which also covers slightly less severe tropical storms which can develop into hurricanes) means hurricane conditions are possible in the next 36 hours. Check for updates on radio, TV, internet.Good luck with whatever you decide!Checking with your local emergency co-ordinators on the risk of storm surges and flooding, and assessing your risks of damage from strong winds.Most deaths, much property damage, and significant financial loss are all preventable with sensible forward planning and early action. Let's have a look at how you can protect yourself, your family, and your property if a hurricane crosses the coast in your areaBut the best time to start preparing is before the threat is visible. You can do this byIn the meantime, you can either work some projects on the side or even with the purpose of replacing what you are doing right now. Of the thousands and thousands of people that have been laid off in the automotive industry, many of them have found that they have matched and in some cases greatly exceeded their income by making money from home using their computer and internet connection.At the peak of the hurricane, go to a safe room on lower floor - lie or crouch under a sturdy table or other piece of strong furniture.If you are staying, assume power and water may be cut. Fill your bathtub and other containers with water, turn your refrigerator to its coldest setting and keep the door closed, and turn off propane gas.We know that people will always want to buy car and trucks so it's not as if they are going to stop making them. But if you plan to ride out the storm and keep trying to make your living in automotive sales, be prepared because it might be a long time before things recover.There is a massive trend right now. People that have lost their jobs in this economy are flocking to start new careers from home on the internet. You can be a part of this if you get in now while the trend is still growing strong.You may also consider reinforcing an internal room as a safe room, a practice recommended for tornado prone areas. A bathroom on the lower level of your house may be ideal, and would provide last resort protection for you and your family against destructive winds.Put up storm shutters and secure firmly. Don't bother with taping windows - it won't help and it's no fun to remove when the threat has passedTo find out more about hurricanes visit http://www.home-weather-stations-guide.com/hurricanes.htmlObviously most of the components of your kit will be somewhere around the house, but imagine how much easier it will be if everything you need is in the one place when the lights go out.It is not the best time to try and make a living selling automobiles with the industry slowing down and even some of the top companies closing their doors. You might have to put in over sixty hours a week to make what would have only taken you ten hours a week to accomplish a year or two ago.The Prison Inside YouPROGRAMSWhen A Hurricane Is ApproachingStoring important documents and valuable possessions in a secure place away from your home.Advance Preparation for the Hurricane SeasonPlaying On The Most Important TeamIn today�s ever-changing world, the emotional drain can be intense and disillusionment can lurk around every corner. Troy Evans� story serves as an example of what happens when your professionals have the strength to believe. Audience members will walk away with real insight into overcoming adversity, adapting to change, and pushing themselves to realize their full potential.

But always remember that hurricanes are short lived and are only likely to be a threat for a small part of the year. Think of them as an occasional tax to be paid for the benefits of an otherwise pleasant climate.

Author: Graham McClung

From Desperation to Dedication: The Strength to Believe

For over 15 years, Troy Evans pursued a career as a self-employed Addict, Drug Dealer, Gambler and Thief. Evans risked his life and sacrificed his family to satisfy his need for money, attention and independence. Ultimately, his disregard of values and discipline resulted in a 13 year Federal Prison sentence. Following a six-month crime spree, which included five armed bank robberies in three states, Evans� self-destructive lifestyle was brought to an end. He soon found himself within the razor wire and armed confines of the Federal Correctional Complex in Florence, Colorado where his neighbors included such notorious criminals as Timothy McVeigh and Terry Nichols.

A Hurricane Warning means a hurricane is expected within 24 hours.Evacuate if advised, or if you are threatened by flooding or storm surges, if you live in a mobile home or high rise, or if you feel unsafe. Leave as soon as you can. Turn off power, gas and water if advised.Preparing for evacuation if you live in a high risk coastal area. Familiarize yourself with evacuation routes, and put together an emergency kit which you can grab at short notice if you need to leave.Preparing an emergency kit in case you lose power and water during the hurricane. This should contain basic food supplies, water, torches and battery operated radios, a portable bottled gas stove, and anything else that will make life a little more bearable.But always remember that hurricanes are short lived and are only likely to be a threat for a small part of the year. Think of them as an occasional tax to be paid for the benefits of an otherwise pleasant climate.The Strength To BelieveUnlike a tornado, a hurricane can be monitored and tracked for some time before its final landfall or decay. If you are a resident or visitor in a target area, you will normally have considerable advance warning of a hurricane's approach, and time to safeguard your home or prepare for evacuation.Since his release, Evans has taken the Corporate, Association and Education speaking platforms by storm. Audiences are stunned by his endurance, accomplishments and remarkable personal transformation. With straightforward, real life examples, Evans shows how the keys to his success in prison are the keys to his success today, and how these lessons can be applied to escaping the �prisons within ourselves�. He renews an appreciation for what is really important in all of our lives and motivates each and every person to overcome adversity, adapt to change, and to realize their full potential.

While Troy Evans gave up baseball for drugs years ago, his hardships have given him a chance to play on the most important team of all � the team of humanity. Looking back, Troy remembers the coaches who encouraged him, the teacher who tried to save him, and the family who had faith in him. His story reminds us all that we are guardians of our future generations and caretakers of our society by showing us the effects that just a few people had on a boy, a criminal, and a man.

Author: Troy Evans

Practical Tips To Save On Your Electricity Bill

Electricity is a valuable resource to everyone in our community. Without it, we are simply left in the dark. That is why helping our customers use electricity safely and efficiently is so important.

Of course they bought (Thank Goodness). I won my contest. But what I gained that was far more valuable was the realization that there are actually people out there that want what you have right now. And as much as you are looking for them, they are looking for you. My job was just to find them. This changed my cold calling procedure forever.6. To keep it operating smoothly, schedule a tune-up for your air conditioner or heat pump.You also want to make sure your roller is safely attached where it belongs. Hinges and springs should be checked to make sure they are secure. If one of these parts has a problem, it will cause major issues with your garage door opener. Other parts, such as the motor or the remote control garage door opener, should also be checked on occasion to make sure they are working properly. Proper maintenance could eliminate that day when you come home in a rain storm and your electronic door opener fails.10. Use power management settings on your computer. Turn off your computer and monitor at the end of your work session.8. When replacing an old air conditioner, look for a more efficient one (SEER 14 or higher), preferably an ENERGY STAR� qualified model.1. Regularly clean or replace the air filter in your furnace.9. Hang your laundry to dry. As a bonus, your clothes will smell better than ever.5. Don�t drastically turn down the temperature on your thermostat. Your house won�t cool down any faster.Whether I was knocking on doors (this was in the 1970-1980s), or calling on the phone, I found that it was much more profitable if I concentrated on finding the one or two people tat day that were truly ready to buy what I sold. Rather than trying to convince prospects to let me talk to them, and then convince them to buy, it was easier to just quickly sort through the list, to find the ideal buyers.1. Choose compact fluorescent lights (CFLs) when replacing light bulbs.The garage door has several parts that help it open and shut aside from your automatic control. Hinges, tracks, rollers, cables, and springs should be checked to make sure they are all working properly. Check for rust or other damage that might be causing those parts to struggle. You can replace some parts or all parts in order to make sure you door is running properly. You want to make sure the tracks are in good shape so that the garage door doesn't fall of them.Year-round Tips3. During the heat of the day, keep windows and outside doors closed.2. Always opt for ENERGY STAR� qualified bulbs and fixtures.9. Unplug your second refrigerator and put all your food in one.3. During the day, let the sun heat your home by opening curtains and blinds. Be sure to close them again in the evening.3. Turn off lights that aren�t in use, even energy efficient lights.8. Replace the refrigerator door gasket if you can slip an envelope between the door and the frame.5. For an older hot water heater, consider a water heater blanket. Check your manual prior to installation.4. Maintain your furnace or heat pump regularly to keep things running smoothly and efficiently.10. Use a timer or motion sensor for outdoor lights so they are on only when needed.Summer Tips2. Close the blinds before the sun gets a chance to heat up the house. Open windows at night to cool down the house.7. Wash only full loads of laundry and dishes and use water- and energy saving settings - and cold water - whenever possible.4. Lower the temperature on your water heater to 120�F (unless your dishwasher requires a higher temperature).The big advantage of this "call quickly to find the best buyer" method is that you don't really care if any one person is interested in what you have. You are actually trying to dis-qualify the people you talk to as quickly as you can. Phoning prospects rapidly is also a key to this. If you call three people an hour, you'll spend an entire day, and maybe not even set one appointment.If you have kids playing in front of your garage and objects like basketballs and hockey pucks are constantly hitting it, the potential for it to be knocked off the track is high. In addition, the roller that attaches the garage door to the bar that holds the motor often becomes detached. Think of it as a hook that can fall off over time. The more you use it, the more that can happen. You can easily fix that on the spot, but if it happens frequently, it is a sign you might need to upgrade or replace your garage door hardware.7. To protect your pipes and keep it warmer under the floor, make sure your crawl space vents are closed.Winter TipsAutomatic garage door openers have been around in some form for over 70 years. Once you push your button or enter your code, a system of cables and springs lift your door. Like closet doors, a garage door sits on tracks. Anyone who uses their closet frequently knows how easy it is to knock it off the tracks. The same thing can happen with the door of your garage. While placing the closet door back on the track is a quick process, doing it with your garage door is a little more involved.This idea only works if you have a near unlimited supply of prospects. For example, in my area, we had 50,000 people I could call. If you sell a highly specialized product that is only bought by a very small segment of the market, I wouldn't do this. Instead, I would concentrate on building a relationship with the few possible buyers you have to work with.These are replacements you can do yourself at home. If you see your garage door system needs an overhaul, consider a professional to perform the installation. This can help save you time and money in the long run. A professional can provide you with an estimate and a plan based on your needs. They can set up your garage door opener to stand up better against the wear and tear it will face.

10. Use power management settings on your computer. Turn off your computer and monitor at the end of your work session.

Author: Yoni Levy

Automatic Garage Doors Take A Lot Of Abuse

Automatic garage door openers are definitely convenient. By pushing a button or entering a code, you have easy access to your garage without having to worry about bending over and lifting the door up on your own. But like anything else, your garage opener is prone to abuse. Normal wear or tear coupled with things banging into it can take its toll. The most common place for a basketball net is to put it above your garage. Think about how many times a ball hits the door of your garage. That increases the decline of your garage door opener. Therefore, repair is often necessary.

A good book to read is any edition of the book Prospecting Your Way To Sales Success by Bill Good. It's available at amazon.com. I've found this book to be invaluable in learning better cold calling methods.I kind of panicked. I started running from door to door. I wasn't looking for someone to let me demonstrate my vacuum cleaner, I was looking for a sale. So all my training went out the window. I knocked on doors and said approximately the following "Hi, I sell vacuum cleaners. If you take a look at mine, I'll give you this cutlery set. Are you thinking about getting a new vacuum cleaner?"6. Increase insulation in the attic, walls and crawl space, if applicable.6. Fix leaky faucets as soon as possible. A hot water leak is an energy drain.

These are replacements you can do yourself at home. If you see your garage door system needs an overhaul, consider a professional to perform the installation. This can help save you time and money in the long run. A professional can provide you with an estimate and a plan based on your needs. They can set up your garage door opener to stand up better against the wear and tear it will face.

Author: Nick Messe

Sales Cold Calling. The Most Profitable Method

Years ago, I was selling vacuum cleaners. I was cold calling by knocking on doors. It was unpleasant work. Nobody is happy to see you when you are knocking on their door.

5. Weatherstrip and caulk your doors, windows and penetrations into the attic or crawl space that allow warm air to escape.10. Cook with a microwave or a barbeque instead of the stove or oven. It will heat up your food but not your kitchen.If you call prospects as quickly as possible, you'll find that time flys. You'll also end up with several appointments with highly qualified and eager buyers.8. Keep your fireplace damper closed when the fireplace is not in use.7. Weatherstrip and caulk your doors and windows if you can see light or feel air coming through them.4. Replace the furnace filter and clean the outside coil on your air conditioner.2. Turn down the thermostat at night and when the house is empty, or install a programmable thermostat.Anyway, it was the last day of the month, and I was in a contest. A storm was going to arrive within the hour, and canvassing in a storm is a no-no. I needed a sale. One more sale would give me a huge bonus for the month.

A good book to read is any edition of the book Prospecting Your Way To Sales Success by Bill Good. It's available at amazon.com. I've found this book to be invaluable in learning better cold calling methods.

Author: Claude Whitacre

Choices in Hurricane Window Protection

Hurricane window protection is the most important protection for your home. The choices are many and our guide is to help you to compare the pros and cons of various systems so you can make a decision you will be happy with for many years.

Your considerations: Cost, appearance, and convenience (this one is often under estimated).Most inexpensive of all hurricane protective systemsStorm Prep: 30 minutes for an entire homePermanently attached next to the window, don�t require storage.And don�t underestimate the hassle of installing shutters every time there is a hurricane warning. I frequently go out to do estimates for impact windows on homes that have shutter panels because the homeowner is tired of dealing with installing them.For the more security conscious monitored alarm systems are available and yes the police will come when the alarm company calls them but I think this is overkill. You can get a safe for valuables and bolt it into floor/walls inside of a closet with a solid core wood door with a dead bolt installed. A safe may be a nice touch if a lot of strangers are in your house and you have a lot of valuables you do not want to keep in a bank safe deposit box. Multilink (trade name) doors are very interesting, first saw something like them in Israel over 10 years ago. You have a steel door maybe with decorative wood over it. In the door is a high security lock nicely mounted so it can't be easily pulled out. The door frame is reinforced with an all steel liner. When you a turn a key deadbolts come out and into the frame on all four sides of the door making a real secure closure. It would take a lot of battering with a battering ram and to get in, probably easier to go through the wall. You can put up a fence with razor ribbon. You could get some big dogs. Best of all hire your own live in bodyguard/driver/errand guy. Cost would be at about $5.00 per day if you let him live in, feed him etc. He'll have a gun license and carry a pistol. You can use him as a driver too. Let him live in the maids room and hire a day maid instead. Remember this paragraph is for the ultra security minded folks (not paranoids), not for most people. In law enforcement they say if you ever used it you needed it, so if you carried a gun 24/7 for 45 years and one day actually used it well then you needed it all that time. A decent line of logic considering the stakes involved.Excellent theft deterrent, nearly impossible to break thru the glass to gain entry.Storm Prep: 20 � 25 minutes per window (if pre-cut); 5 to 8 hours for an average homeStrong and can provide excellent protectionROLL DOWN HURRICANE SHUTTERS ($35 - $55 / sq. ft.):These are louvered hurricane shutters that attach directly to the wall beside or above the windows.A french door offers so much more than a traditional door. The large glass area ensures that maximum natural light can come through into the home. French doors ensure that the outdoor and indoor aspects of your home are perfectly blended together whereas a solid door provides a total separation so one cannot be enjoyed with the other. If the french door in particular leads out onto a patio or terrace, then summertime brings a perfect mix of outdoor / indoor living which makes it more enjoyable for the whole family. Furthermore a french door means it is possible to keep an eye on any children playing in the garden whilst you are able to stay indoors, and the see-through nature also serves to open up the room and make it appear larger. Glass doors work in the same way that mirrors do in this respect.Window film can reduce the sun�s damaging rays into your home and it is promoted to be a theft deterrent. It may also very well reduce the chance for shards of glass to go flying through your home in the event of a hurricane, but do you really think slapping a thin piece of film on your existing windows is going to keep your roof on in the event of a hurricane? By comparison, impact windows are almost three times as thick as regular window glass. Hurricane windows are made up of two layers of glass and sandwiched between these layers of glass is a strong tear resistant interlayer (film) that keeps the glass together in the event it is broken. They are much like the windshield of automobiles.Easily deployable by one person when they are needed.ACCORDION SHUTTERS ($15 - $18 / sq. ft.):For more information, please visit:Storm Prep: Minimal, easiest of the hurricane shutter systemsHurricane shutters are the most economical, therefore the most popular solution chosen by homeowners. However, hurricane impact windows and doors are also very popular because of the added benefits of convenience, security enhancement, better energy efficiency, sound proofing and its attractiveness over shutters. The least expensive system is plywood or panels; these offer great protection, but take a great deal of time to install.Heavy and difficult to handle, hanging may require more than one personOne of the most expensive systems.Storm Prep: NONEAdded value of sound deadening and energy efficiency over regular windows.Bars on windows are common in Panama. Again children can become thieves of opportunity. There are a lot of really poor people in this country and an open window could tempt a child to become a thief and enter to take a tv, cash, radio etc. Some dwellings also have an extra door, like a storm door; made of ornate iron. When the USA was here anyone who was in military or was an American working for them was required to put these iron doors on in front of the regular door so this is why you see a lot of these doors. Most apartment buildings have security guards 24/7 who are sharp and vigilant. Some are armed, some are not. They usually station one guard in the lobby to buzz up visitors after you clear them, to sign for packages and deliveries and there is usually at least one other guard watching the garage area. Some have guards roving the grounds. Rest assured the apartment buildings most Expats are likely to gravitate towards are going to have security far beyond what you would need to feel really safe and the type of security you'd get if you lived in a high rise building in say Central park South in Manhattan paying upwards of $10,000 a month rent (minus the elevator operators). Rest assured no one is going to be lurking for you in the lobby or the garage, you are not going to enter the elevator on the lobby floor and wind up going down to the basement for a nightmare, no one is going to come to your apartment door unannounced, no strangers are roaming around the halls, etc. Just accept the private security as a way of life down here and not as an indicator or high crime.These hurricane shutters attach permanently above the window in an enclosed box when they are not in use and roll down, either manually with a hand crank or electronically by motor, when you need them.Most inexpensive of the �permanent� hurricane shutter systemsGreat for people with second homes since the home is hurricane ready all the time.CONCLUSION:Have sharp edges � can be dangerousStorm Prep: 30 minutes to an hour for an entire homeNegatives:Time consuming - other than plywood, this system requires the 2nd most time to installSome can be locked and may be used as a theft deterrent.Finally, if your existing windows are in need of replacement because they are old, I encourage you to retrofit them with impact windows since the cost difference between non-impact windows with hurricane shutters versus only impact windows is marginal.A popular and effective choice, installing plywood shutters to fit snugly inside the window or door frame is an efficient and affordable option for homeowners. These shutters were effective even in the highest winds of Hurricane Andrew, and are relatively easy to install. If you are going to use this method, the plywood needs to be 5/8� to 3/4� thick, and since it takes a lot of time to prepare, it should be cut to size way before we have a storm bearing down on us.Not a convenient option for 2 story homesPanama as a nation has much less violent crime in a year (a mere fraction) than what New York City has in one day. Panama is far safer than North America. Violent crime in Panama is relatively unheard of.First, understand what it is your protecting: it�s not just the shards of glass from the broken window that are dangerous - having your roof blown off will really get your attention. During a hurricane, the strong wind that blows over your home creates a �lift� effect on your roof. If a window or door opening is blown open during the storm, this creates an additional upward �push� on the roof, thus doubling or tripling the lifting effect. This is how roofs are blown off.UPVC is a very cost effective and low maintenance way of being able to enjoy conservatories and french doors. A uPVC conservatory is long lasting and durable and will add enormous value not to mention additional space to your home. UPVC french doors will bring light and style into your home and provide the perfect partition between the cosy indoors and the great outdoors.Not a safe option for 2 story homesCannot be used as hurricane protection for doors, must be combined with another system.Eliminates the need for hurricane shuttersBulky and not attractive. Consider aesthetics before purchasing these.COLONIAL AND BAHAMA HURRICANE SHUTTERS ($18 - $28 / sq. ft.):If you live in an area that suffers from extreme weather conditions such as driving rain and stormy winds then it may be appropriate to purchase special reinforced french doors or storm doors. Nevertheless you will benefit from the same advantages of blended outdoor and indoor living and a house full of natural light. Kitchens in particular benefit from a set of french doors leading onto a terrace. This makes eating meals outside simple to do and therefore more likely. If you have to carry your food further to reach the garden or it is more than a few steps to get up for a drink whilst sitting outside, then you are much less likely to eat outside or enjoy a drink out there either.Keep in mind that if the aesthetics of shutters is bothering you, but the cost of impact windows is nearly out of reach, you can always combine the two. Install impact windows on the front, and possibly the sides of your home. Then protect the window openings that are cannot be seen from the street with shutters.Here are the vitals on your choices for hurricane window protection for your home.Storm Prep: 15 - 20 minutes per window; 4 to 6 hours for an average homeMany people say be careful while wearing jewelry since a child can get a running start and grab a bracelet or necklace and keep running. Did we ever see it happen, No. Did we ever meet anyone it happened to, No. Lot's of people say they know it happens but seems you never meet any of these victims. Could it happen? I guess it could. Do we think it is likely to happen? No. I suppose if one was out late and had been drinking and was walking around looking like he was partying someone may interpret this as a crime of opportunity and take a shot at it. I would suggest when going shopping on foot to not wear a lot of flashy jewelry. Remember Panama as a nation has much less violent crime in a year (a mere fraction) than what New York City has in one day. Panama is far safer than North America. Violent crime in Panama is relatively unheard of. The assaults that happen here are overwhelmingly going to be amongst people well known to each other like husband and wife, criminal gang members, etc. Armed robberies are vely unheard of. Rapes are again not a likely occurrence but I would not advise any young woman to go running around without other people at night. This advice would apply in USA except having a friend or two along in the USA might just mean you all become victims. Panama is way way more safe than even the safe cities in the USA.Can be heavy and difficult to handle, hanging may require more than one personHurricane impact glass can withstand hurricane debris and completely eliminate the need for hurricane shutters. It costs more to retrofit an existing home, but is most cost effective if a homeowner is considering replacing old windows anyway. This is the most value added of the hurricane window protection systems, since these windows also improve energy efficiency, are an excellent theft deterrent, provide sound deadening from outside noises, as well as protect your home in the event of a hurricane (http://arttofimpactwindows.com/products.html). Further, adding new impact windows is likely to increase the value of your home, more so than with any of the other hurricane protective systems.Another popular and effective choice, these hurricane shutters are typically steel or aluminum corrugated panels that attach to the walls around windows and doors. There are several mounting methods using either pre-mounted tracks and bolts or just bolts.Once you have narrowed your choices to what type of system is best for your situation, talk to an expert to help you in your final selection. Depending on which of the above systems best suits you, there are many different style choices, and manufacturers who offer different options. Window contractors are your best experts. How to find one? Ideally, get one who is referred to you by a family member, neighbor or a friend. If they have done a good job for them, this person can provide you with a wealth of knowledge that has been learned over the years. If you must select a contractor you find online, check out their references (at least 5), call them, and go look at the contractor�s work.Positives:Require the most time to installDesigns and style may limit their use.In general while in Panama the average Expat is unlikely to run afoul of the law. In Panama business has not been criminalized as it has in the USA, UK, Australia and many other countries. The vast majority of the law enforcement people in Panama devote their time and energies to real crime, drug traffic enforcement and crime prevention. There is not a whole lot of victimless crime prosecution in Panama. Prostitution is legal and the prostitutes are medically inspected weekly for STD. I have yet to see street walking prostitutes (except in really poor neighborhoods) so I assume most if not all of them are working in the many gentlemans clubs or are working as paid escorts or as outcall massage girls. So it is there but not all that obvious, unlike numerous American cities where it is in your face with drug addicted street walkers male and female.http://www.panamaexpertos.comPermanently attached next to, or above the window, don�t require storage.MYTH BUSTER - WINDOW FILM & A LITTLE ABOUT IMPACT WINDOWS:STORM PANEL HURRICANE SHUTTERS ($5 - $8 / sq. ft.):

Once you have narrowed your choices to what type of system is best for your situation, talk to an expert to help you in your final selection. Depending on which of the above systems best suits you, there are many different style choices, and manufacturers who offer different options. Window contractors are your best experts. How to find one? Ideally, get one who is referred to you by a family member, neighbor or a friend. If they have done a good job for them, this person can provide you with a wealth of knowledge that has been learned over the years. If you must select a contractor you find online, check out their references (at least 5), call them, and go look at the contractor�s work.

Author: Harry Artt

Crime and Safety in Panama

While in a foreign country, you are subject to that country's laws and regulations, which sometimes differ significantly from those in your home country and may not afford the protections available to the individual under your home jurisdiction. Penalties for breaking the law can be more severe for similar offenses. Persons violating Panamanian laws, even unknowingly, may be expelled, arrested or imprisoned. Penalties for possession, use, or trafficking in illegal drugs in Panama are strict, and convicted offenders can expect jail sentences and heavy fines. If you are not a money launderer, drug seller or terrorist you will find Panama to have a relatively laid back attitude towards crime compared to North America, Australia and the EU.

Wooden framed doors, windows and conservatories are nice to look at, but they often do not stand the test of time. Rain can rot the frames and the sun can fade their appearance and crack the wood. At best this makes them look unattractive, at worst it turns them into a security risk. With advanced locking systems as standard and impact resistance built in, uPVC french doors are extremely rigid and secure. Other advantages of uPVC is that it is very low maintenance. Wood needs treatments, varnishing and sometimes even sanding and painting too. This is not so with uPVC which needs nothing more than the occasional wipe with a damp cloth. UPVC lasts for decades, not years and will need no additional work during that time. Because it is a material available in a range of colours and wood effect finishes, even those who want to keep a traditional feel and design to their home can do so. To the casual observer uPVC looks no different from a wooden counterpart.IMPACT WINDOWS AND DOORS ($40 - $55+ / sq. ft.):PLYWOOD SHUTTERS ($2 - $4 / sq. ft.):Since they can be locked, they make an excellent theft deterrentRequire storage, but can be stackedCan be installed by a handy DIY.

http://www.panamaexpertos.com

Author: Jean Bouttet

Add Style To Your Home With French Doors

French doors are attractive and functional and an asset to any home. They are doors that usually lead out onto the garden or patio and are mostly glass to let in maximum light. They are perfect partitions between house and garden, flooding the inside with natural light and allowing the garden to be viewed from inside all year round. They are very attractive to look at too which makes them a beautiful addition to any house or conservatory.

Like roll-down hurricane shutters, this is one of the most expensive systems.Motor driven systems require a battery backup so they can be operated during power outages.French doors are always used in conservatories and offer the perfect entrance to them from the garden. A conservatory takes the idea of outdoor living that bit further as you feel like you are sitting outside long into the winter when it is too cold to actually do so. The ideal material that conservatories and french doors are made of is uPVC which is low cost, very durable and low maintenance.Accordion hurricane shutters are attached directly to your home at the window or door opening, folded up when they are not in use and easily unfolded, accordion-style when you need to cover and protect the opening during a storm.

UPVC is a very cost effective and low maintenance way of being able to enjoy conservatories and french doors. A uPVC conservatory is long lasting and durable and will add enormous value not to mention additional space to your home. UPVC french doors will bring light and style into your home and provide the perfect partition between the cosy indoors and the great outdoors.

Author: Chris Coxon

Banks' Best Customer May Be the Stranger Who Just Walked Out the Door, Says PwC US

NEW YORK, July 13, 2011 /PRNewswire/ -- Industry analysts have estimated U.S. bank revenue to grow by five percent annually, but, according to surveys conducted by PwC US, major regulatory changes and shifts in consumer spending, saving and borrowing behavior are likely to depress revenue growth, increase operating costs, and squeeze profit margins in the retail banking sector, which accounts for one-half of U.S. bank industry revenues.

PwC's conclusions reflect the findings of two recently released reports - When the Growing Gets Tough: How Retail Banks Can Thrive in a Disruptive, Mobile, Regulated World and Getting to Know You: Building a Customer-Centric Business Model for Retail Banks - which provide an overview of the competitive landscape for retail banking based on proprietary analysis and a nationwide consumer survey.Lymelife (2008)"After years of talking about cross-selling and customer relationship management, many banks still operate in product silos and not based on customer needs. They still cannot identify who their best customers are, let alone identify appropriate products, pricing, servicing and channels for them," said John Garvey, partner and leader of PwC US's banking and financial services advisory practices.In a 2011 PwC survey of CEOs, nearly 90 percent of banking industry leaders cited over-regulation as the biggest threat to their growth prospects. The regulatory changes that will most affect retail banks' relationships with their customers and make it harder to capitalize on growth opportunities include:* The Basel III accords, which will more than triple capital requirements for banks, increasing their funding costs.Pitched in a downbeat dramedy territory between The Ice Storm, American Beauty and The Squid And The Whale, Derick Martini's directing debut is a fine slice of American 1970s suburban angst. In a depressed town, Rory Culkin plays a teen longing for the girl next door, who discovers his father (a great Alec Baldwin) is having an affair with her mother (Cynthia Nixon). Timothy Hutton co-stars as the burnt-out cuckold, suffering Lyme's disease.Retail banking profitability limited by regulations, changing consumer behaviorWatchmen (2009)Other trends can challenge profitability, including changing consumer behavior. Consumers are saving more, spending less and paying down debt. The U.S. personal savings rate, in the low single digits a few years ago, is expected to continue rising, potentially reaching levels not seen since the 1970s and 1980s. While consumer thrift can reduce the demand for debit and credit cards, it offers banks the opportunity to benefit by offering financial planning and related products.To address these challenges and capitalize on the opportunities available, banks need to attempt to meet more of their customers' financial needs throughout their lifetimes. Doing so means that banks would have to adopt a more customer-centric focus to better understand and anticipate their customers' needs and preferences.Complicating the challenges that banks face in trying to grow organically is the growing cost of attracting new customers, given how few Americans remain "unbanked." FDIC research indicates that 92 percent of U.S. households already have a checking or savings account with at least one financial institution, leaving little opportunity for banks to attract customers who lack financial services entirely."While the future of retail banking demands a customer-centric approach, some banks have resisted moving toward this model because of institutional impediments, including internal disincentives, conflicting organizational priorities and concerns about integration complexity and execution risks," said Peter Pollini, principal, financial services, PwC US. "If banks are to make the changes that are necessary to break down product silos and become more customer-centric, they will need assertive leadership from the very top. Nothing less will enable these necessary transformative, organization-wide changes."At the same time, there are opportunities. The same PwC survey indicated that, while the average consumer has 6.1 financial products, only about half of them are with the customer's primary financial institution, mainly checking and savings accounts. The other most commonly purchased financial products are more often acquired from financial institutions other than a consumer's primary financial institution: Credit cards (48 percent*), mortgages (57 percent), IRAs (66 percent) and insurance (85 percent). (*Percent of customers who purchase these products from a financial institution other their primary financial institution).Saturday, 10pm, Channel 4Wednesday, 10.50pm, Film4Banks also face the challenge of adapting to the Internet age of "anytime, anywhere, right now" by using social media to better target their customers and mobile technology to respond to their needs faster and more effectively. Already, more than 90 percent of U.S. adults have a mobile phone, and they are increasingly using them for financial transactions. While the numbers are currently small, they will grow rapidly as consumers become more comfortable with these mobile technologies.Winner of 2009's Foreign Film Oscar, Yojiro Takita's beguiling, understated movie follows an unemployed young cellist (Masahiro Motoki) who, returning to the mountain town of his late mother with his disapproving wife, finds himself working as an undertaker's assistant, preparing the dead for cremation ceremonies. Takita balances a gently sombre mood with wry comedy.Accordingly, there is significant opportunity for banks to acquire a greater share of their customers' business over an entire financial lifetime, based on life events from opening a first checking account to rolling a 401(k) into a post-retirement IRA.To view the multimedia assets associated with this release, please click http://www.prnewswire.com/news-releases/banks-best-customer-may-be-the-stranger-who-just-walked-out-the-door-says-pwc-us-125481958.htmlFriday, 11.05pm, BBC TwoCompeting by breaking down product silos to focus on customersProbably the most eagerly anticipated comic book adaptation yet (it was originally discussed as a Terry Gilliam project in the 1980s), Zack Snyder's take on Alan Moore and Dave Gibbon's seminal strip about seedy, outlawed superheroes coming out of retirement in an grimy alternative America delivers a fanboy's dream. Though some might quibble it's not as good as the book. And that The Incredibles is a far more splendid movie.

The PwC report When the Growing Gets Tough: How Retail Banks Can Thrive in a Disruptive, Mobile, Regulated World is available at http://www.pwc.com/us/Mobile-Retail-Banking.