Basic Steps To Take To Obtain A Secured Loan

By Ajeet Khurana

A person that applies for a secured loan is on the lookout for financing by securing his personal assets against the loan as collateral. This helps the banker feel secure if, in the event of default, the banker has something to collect from the individual. The collateral is generally some form of major asset such as a house, car, or major jewelry. The key to the collateral is that it needs to be worth something, and be a true asset. For example, if there are payments still due on a car, the customer does not own it outright and may not be allowed to use it as collateral. There are several issues a customer needs to understand before securing a secured loan. You will need to know what financial information your lender will need, what financer to go to, and how to take up this form of financing.

Secured loans are used in many different ways, and what you need financing for may determine if you qualify for a personal loan. If you need capital for a large business venture, you will be better off getting a business agreement as opposed to a secured personal loan. Banks generally feel that newer undertakings are and your contract will need to be more specialized than a secured loan. For smaller expenses such as a wedding or vacation, secured loans will be able to provide an appropriate funding source. This is because these are debts or expenses that are deemed to be less unstable and thus, much easier to repay. You will need to make a list of every expense you expect your financing to over so that you will get enough financing to cover your entire need.

The next step involves your determining if you are an appropriate customer for this kind of financing. What will make you a good candidate will be if you even have collateral to secure against the loan. If you do not, you might choose an unsecured source of financing. Secured loans by their nature are only suited for those with collateral. They are also good sources of financing for those that already have a good credit rating with their finances. Your lender wants to be secure in their lending to you and they want to take the littlest possible amount of risks.

[youtube]http://www.youtube.com/watch?v=H4rxpA3Jrhk[/youtube]

Once you decide on the option that best fits your requirements, you can then start comparison shopping for the best lender for you. Secured loans are available through many different means, and it is important that you take your time with your research. There are enough resources in both the real world and on the Internet that you might easily find a secured loan that matches your requirements.

Generations ago there was the philosophy that if you could not pay for something, you could not buy it. Now with the flexibility of secured loans, making larger investments in a more facile manner.

About the Author: Ajeet Khurana writes on finance topics, among others. He recommends:

Secured Loans

and

Personal Secured Loans

and

Accounts

.

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isnare.com

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Who Has The Cheapest Car Insurance

By Jim Bassett

In most countries and states today, numerous laws have been enacted with regards to their minimum car insurance coverage. A car insurance policy is not only seen as an important preparatory expense in the event of a car accident, it is also a legal requirement. Not having one can result to the driver getting his license revoked during registration or even suspended for at least three years, in addition this is a large sum as a penalty fee. To save on expenses and to keep them from facing stiff penalties, many car owners try their best to find who has the cheapest car insurance.

Car insurance companies can offer different rates depending on a number of factors.

One such factor is the car in use. The car plays an important role in determining the monthly and overall cost of the insurance policy. The car model, its age, its manufacturing year, its repair history, its present condition, as well as the overall risk of the car model are factors related to the insured car owner’s car.

[youtube]http://www.youtube.com/watch?v=l7g-jQq0bN4[/youtube]

Another important factor in determining the cost of the insurance policy is the driver of the insured vehicle. As a general rule, a teenager entails higher insurance monthly premiums. This is due to their tendency to be risky drivers. If the driver is no longer a teenager, the insurer will review his driving history as well as the traffic violations he has done in the past. Doing so will allow the insurer to evaluate whether the car insurance applicant is likely to run into a car accident.

By knowing these factors, the car owner can now have a rough estimate of how much his car insurance is worth. Doing so, he can evaluate whether the insurance policies he is offered with are affordable or expensive.

If a car owner is looking for the cheapest insurance policies, then those of older and trusted insurance companies should not be solely considered. This is because these established companies normally charge more than newer companies. However, it may not be true in some cases. In effect, the car owner should equally consider both new companies and older companies when comparing insurance policy quotes.

Newer insurance companies normally charge far less than the older and more established ones. This is due to the fact that the larger companies have a higher trust rating compared to them. Many car owners looking for car insurance companies normally look to these older and more established companies even though they cost more. Therefore, newer companies have to charge less to attract more customers.

A good way to find many newer and cheaper car insurance companies is through the internet. There are many sites at present that make comparisons between car insurance quotes. By providing all the needed details and information of the car owner, he can then gather results according to the insurance quotes. This way, he can clearly tell which company offers the cheapest car insurance policies.

Finding the best insurer should not be about who has the cheapest car insurance. Rather, it should be about who offers the best service. It is also important to remember that it is the responsibility of the car owner to review the coverage and the quality of the car insurance company he chooses even if it is the cheapest. Doing so, he can guarantee that he is fully insured in the event that he meets an accident.

About the Author: Wondering just who has the cheapest car insurance cover? Find out now in our complete affordable auto insurance Florida overview.

Source: isnare.com

Permanent Link: isnare.com/?aid=588898&ca=Finances

Startup Your Business With A Business Loan

By Amanda Hash

It is not necessary to wait until you have a lot of money to start up your business. The time is now. The market may change and make things difficult and you could be left with the bitter taste in your mouth of not having taken the decision at the right moment. Business is not only about buying and selling. It is about taking the right decisions at the right moment.

Do Not Let Others Beat You To It

If you have detected a niche in the market that you can fill in, go for it. Do not waste time watching to see what happens, whether it is the right moment or not. Waiting gives your precious time to others. Rushing to do things without a proper planning is not good either. You have all the ideas in your head, so just write them down, on paper or on your computer and make a checklist of everything you need to open your business.

Niche Marketing

Your first attempt should consider every nail and every sheet of paper needed to get your business going. There will always be time to cut down on unnecessary things later on. I talked about a niche above, because niche marketing is very interesting. Once you detect the niche and the needs it has, you tailor a product or service for that niche and you already have a market, without having to spend precious cash on random advertising. What little advertising you will have to carry out, will be specifically directed to your niche.

[youtube]http://www.youtube.com/watch?v=0uTJGXMw0w0[/youtube]

You will have time later on to expand and add products to your line, innovate and improve, to widen your scope, a little at a time, so as to grow steadily and firmly and surpass the critical moment. It is said that 80% of new businesses do not make it through the first year.

Start Closing The Circle

Once you have your business plan ready, you can start to think of a business loan. Considering what is mentioned in the previous paragraph, every lender knows the risks that a new business implies. So, this risk will have to be shared, in the form of the provision of some asset of yours, whether private or dedicated to the business, to show confidence in your own project.

Very few loans will be granted on the business plan alone, however brilliant it may appear, so bear this in mind and place your car, truck, a piece of land, whatever it may be, as collateral from the very beginning. Do not wait for the lender to ask for it.

Some Additional Considerations

When you start to fill in the numbers in your business plan, consider the loan payment in advance. If you take the trouble to calculate how much you need and how you will repay it, making it participate in the general cash flow, it will give the loan officer a good impression. For this, you will need to shop around and get free quotes, not to be confused with applications.

The interest rate will vary slightly from lender to lender and depending on the amount and collateral you offer, but in general there is no great difference. The main difference in these matters is your decision and how you prepare your way for your new activity.

About the Author: Amanda Hash is an expert financial consultant who specializes in Guaranteed Unsecured Loans and Government Grants for No Credit People. By visiting

yourloanservices.com/

you’ll learn how to get approved and recover your credit.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=237850&ca=Finances

Kidney Cleansing The Answer To Your Fatigue?

Submitted by: Lori Martin

Are you feeling as tired when you wake up in the morning as you were when you went to bed? What about having trouble sleeping or staying asleep? You may even be feeling irritable or having trouble focusing. Another problem you may be having is always feeling cold or hot.

If you are feeling any of these symptoms mentioned, you may be having trouble with your adrenal glands.

Some other symptoms of adrenal problems may be:

* feeling tired after eating

* feeling depressed or anxious

* skin blemishes

* problems maintaining weight

When your adrenals need cleansing, you may experience many or all of these symptoms.

The adrenal glands are part of the body s glandular system that regulates emotions, promotes growth and sexual identity, controls body temperature, and assists in the repair of broken tissue and generate energy.

Why are the adrenal glands so important? These very small, but vital glands sit just above your kidneys(ad-RENAL… Renal meaning having to do with the kidneys) and play an important role in the body by producing about 50 different hormones that affect our ability to deal with stress, impact our development, and regulate kidney function.

Some of their functions include:

* production of adrenaline (the fight or flight response)

* production of DHEA (the hormone that is a precursor to estrogen and testosterone)

[youtube]http://www.youtube.com/watch?v=nW-9f97JHIg[/youtube]

* production of hormones that affect blood pressure, blood sugar levels, and growth

* helps reduce inflammation

* able to make sure needed sodium is not lost

* increases short-term memory

* helps the liver remove toxins from the body

When people are under high levels of stress, whether it is environmental, physiological, or physical, their adrenal glands become weak causing a number of problems including:

* high blood pressure

* lower bone density

* reduced immune response

* potential effects on blood serum levels of glucose

* reduced levels of serotonin, which helps provide a sense of well-being and calm

* weight gain

As you can see, adrenal gland weakness can cause a number of health problems that affect many of the organs in your body.

What do you do about this problem?

Take this Adrenal Gland Questionnaire

Which ones apply to you?

* Constant fatigue

* Low blood pressure

* Hard, pebble-like stools or constipation

* Unusually low sex drive

* Cravings for salt or salty foods

* Mood swings, especially anxiety, panic, or phobia

* Feeling colder than those around you

* Problems with memory, focus or concentration

* Chronic pain in the lower neck and upper back

* Nervousness

* Inability to concentrate and/or confusion

* Drinking caffeinated beverages on a daily basis

* Extreme sensitivity to odors and/or noises

* Lack of the sensation of fullness after eating

* Aches and pains of limbs, unrelated to exertion

* Mood swings

* Vulnerability to food reactions/allergies

If you have checked four or more items on this list, it may be time to consider using a formula to build the adrenal glands.

If six or more items are checked, your adrenal health is probably causing some of your ailments and now is the time to start taking a formula to support your adrenal glands.

Once you determine that you need to support your adrenal glands, you should begin with a body cleanse. After that, you should take supplements regularly to support your adrenal glands.

About the Author: Body Life Cleanse has natural, herbal detox diet and body cleanse products for a natural, healthy you.For more information about Kidney Cleansing and Detox Diet visit

bodylifecleanse.com/kidney-cleanse/

Source:

isnare.com

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Very Simple Home Renovation Projects You May Get Started Nowadays

Very Simple Home Renovation Projects You May Get Started Nowadays

by

Kevin M Bacon

A few home improvement projects that have been well thought out would benefit any home. You don\’t need to have a huge budget or be especially handy to make some serious improvements in your home. You simply need to employ a little creativity in a few important areas and we\’ll offer some suggestions in this article that should provide you with a good starting point.

Most houses either have an attic or a basement or even both but rarely are these areas used to their full potential. So, why not make an office or studio out of your basement or attic? There are many things these spaces could become, from an additional bedroom for a child to a space you can rent out that can make you a little extra money. You\’ve already got the ceiling, floor and walls, which are the most important parts of a room. If you want it to become a living space, it will likely require some work and remodeling. You might have to air out a damp basement, clean moldy surfaces, add kitchen facilities or plumbing. These jobs will be worth the work in the end because of the benefits you will derive from them.

[youtube]http://www.youtube.com/watch?v=tpDmaYiUbb0[/youtube]

If you want a nicer garden and some additional shade and private areas, you can use things like shrubs, trees and hedges to do this. Planting some shrubs or trees in your garden will offer a lot of benefits, including protecting you from the sun and wind, adding a little beauty to the space as well as acting like an absorbent for excessive moisture in the atmosphere. Depending on your climate, you may want to consider planting fruit trees so you can enjoy picking edible fruit from your own backyard. You could plant living fence of hedges around your yard if you are looking for more privacy. It\’s more attractive than having a wall built and it can consist of different types of plants, shrubs or small trees that form a barrier between your home and the world.

The right counter-tops in your kitchen can make a big difference, leading to a great look for your kitchen and making cooking more enjoyable for you. When visiting a new house, people zone in on the kitchen first and for most families it\’s the place where the majority of social interaction takes place. A great material for your counter-tops is ceramic tile, which is available in many textures and colors. One advantage to ceramic tiles is that they are stain and moisture resistant, which makes them perfect for the kitchen. When you put in new counter-tops, you have to consider how they will fit in with the rest of your d cor.

You can give your home a new look, improve its comfort, energy efficiency and monetary value with the aforementioned home improvement ideas. The first key to a successful home improvement project is getting started! Make this the year you start converting your home into what you dream of, so put a plan together, get the right stuff or call the right builder.

none

Article Source:

ArticleRich.com

The Story Of The First Internet Worm

Submitted by: Marc Menninger

Robert Tappan Morris was the first person convicted by a jury under the Computer Fraud and Abuse Act of 1986. The story of the worm he created and what happened to him after it was released is a tale of mistakes, infamy, and ultimately the financial and professional success of its author.

Morris was a 23-year-old graduate student at Cornell University in 1988 when he wrote the first Internet worm in 99 lines of C code. According to him, his worm was an experiment to gain access to as many machines as possible. Morris designed the worm to detect the existence of other copies of itself on infected machines and not reinfect those machines. Although he didn’t appear to create the worm to be malicious by destroying files or damaging systems, according to comments in his source code he did design it to “break-in” to systems and “steal” passwords. Morris’ worm worked by exploiting holes in the debug mode of the Unix

sendmail

program and in the finger daemon

fingerd

.

[youtube]http://www.youtube.com/watch?v=i1Xi3Hng_Z0[/youtube]

On November 2, 1988, Morris released his worm from MIT to disguise the fact that the author was a Cornell student. Unfortunately for Morris, his worm had a bug and the part that was supposed to not reinfect machines that already harbored the worm didn t work. So systems quickly became infested with dozens of copies of the worm, each trying to break into accounts and replicate more worms. With no free processor cycles, infected systems soon crashed or became completely unresponsive. Rebooting infected systems didn t help. Killing the worm processes by hand was futile because they just kept multiplying. The only solution was to disconnect the systems from the Internet and try to figure out how the worm worked.

Programmers at the University of Berkeley, MIT, and Purdue were actively disassembling copies of the worm. Meanwhile, once he realized the worm was out of control, Morris enlisted the help of a friend at Harvard to stop the contagion. Within a day, the Berkeley and Purdue teams had developed and distributed procedures to slow down the spread of the worm. Also, Morris and his friend sent an anonymous message from Harvard describing how to kill the worm and patch vulnerable systems. Of course, few were able to get the information from either the universities or Morris because they were disconnected from the Internet.

Eventually the word got out and the systems came back online. Within a few days things were mostly back to normal. It is estimated that the Morris worm infected more than 6,000 computers, which in 1988 represented one-tenth of the Internet. Although none of the infected systems were actually damaged and no data was lost, the costs in system downtime and man-hours were estimated at $15 million. Victims of the worm included computers at NASA, some military facilities, several major universities, and medical research facilities.

Writing a buggy worm and releasing it was Morris’ second mistake. His first mistake was talking about his worm for months before he released it. The police found him without much effort, especially after he was named in the New York Times as the author.

The fact that his worm had gained unauthorized access to computers of “federal interest” sealed his fate, and in 1990 he was convicted of violating the Computer Fraud and Abuse Act (Title 18). He was sentenced to three years probation, 400 hours of community service, a fine of $10,500, and the costs of his supervision. Ironically, Morris’ father, Robert Morris Sr., was a computer security expert with the National Security Agency at the time.

As a direct result of the Morris worm, the CERT Coordination Center (CERT/CC) was established by the Defense Advanced Research Projects Agency (DARPA) in November 1988 to “prevent and respond to such incidents in the future”. The CERT/CC is now a major reporting center for Internet security problems.

After the incident, Morris was suspended from Cornell for acting irresponsibly according to a university board of inquiry. Later, Morris would obtain his Ph.D. from Harvard University for his work on modeling and controlling networks with large numbers of competing connections.

In 1995, Morris co-founded a startup called Viaweb with fellow Harvard Ph.D. Paul Graham. Viaweb was a web-based program that allowed users to build stores online. Interestingly, they wrote their code primarily in Lisp, an artificial intelligence language most commonly used at universities. Viaweb was a success, and in 1998, ten years after Morris released his infamous worm, Viaweb was bought by Yahoo! for $49 million. You can still see the application Morris and Graham developed in action as Yahoo! Shopping.

Robert Morris is currently an assistant professor at MIT (apparently they forgave him for launching his worm from their network) and a member of their Laboratory of Computer Science in the Parallel and Distributed Operating Systems group. He teaches a course on Operating System Engineering and has published numerous papers on advanced concepts in computer networking.

About the Author: Marc R. Menninger is the founder and site administrator for the OpenCSOProject, a knowledge base for security professionals. To download security policies, articles and presentations, click here:

forum.opencsoproject.org

.

Source:

isnare.com

Permanent Link:

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Best Place To Get A Massage In Lexington Ky

Best Place to Get a Massage in Lexington KY

by

adamoscar

The best place to get a massage in Lexington, KY, is the Corey Proffitt Studios. Here clients can enjoy a wide range of popular rejuvenating body massages. This is the perfect place to pamper your tired body with an appropriate massage therapy.

While a significant number of people visit massage studios to rejuvenate their stressed body, poor health and body pain are often the key reasons for seeking an appointment with an experienced massage therapist. A trained and experienced therapist knows which therapy works best for a particular condition.

Different Massage Styles

There is a wide range of massage styles. Each style is best suited for certain health conditions or ailments.

Swedish Massage

This traditional massage technique involves application of light to moderate pressure on the muscles with the help of a variety of kneading, gliding and tapping strokes. It helps to reduce muscle tension, boosts blood flow and calms the nerve. It is ideal for stress management. It also accelerates recovery of injured tissues.

[youtube]http://www.youtube.com/watch?v=ZLNXQkqZe6M[/youtube]

Deep Tissue Massage

Deep tissue massage therapy is best suited for treating the painful stiff areas of the body. Although the massaging technique is almost similar to that of Swedish massage, the movements are less rhythmic and slower in deep tissue massage. The massage targets the deep tissues below the skin.

Hawaiian Style Massage

Lomi Lomi, the traditional massaging style of Hawaii, helps to relax the stressed muscles. This refreshing body massage involving use of elbows and forearms for massaging the tissues helps to reduce stress, anxiety and depression and promotes sleep.

Sports Massage

This massaging technique helps in developing muscle systems used in different types of physical activities. It helps to condition muscles before a sporting event. It improves muscle flexibility and reduces risk of muscle strains. It also accelerates healing of injured muscles.

Prenatal Massage

Physical changes that occur during pregnancy increase stress on the muscles and joints, causing body aches. Prenatal massage helps to diminish muscle aches and joint pain. It also helps to reduce swelling in the arms and legs. Emotional stress experienced by women during pregnancy can be alleviated with the help of pregnancy massage.

Reflexology

Reflexology helps to stimulate specific areas of the feet and hands, known as the reflex areas, for treating specific health problems. It aids relaxation, reduces pain, assists in recovery from illnesses and eases pregnancy symptoms.

Hot Stone Massage

Hot stone massage is a variation of the Swedish massage style. In this form of massage, heated stone is used for massaging specific areas of the body.

Read more about

best place to get a massage in lexington ky

and click here

massage-lexington-ky.com/

for professional massage therapy in a safe and relaxing atmosphere.

Read my blog at

adamoscar.yolasite.com/

.

Article Source:

ArticleRich.com

Enjoy Spa Like Luxury At Home By Purchasing A Bamboo Towel Set

byadmin

Even though they can be expensive, bamboo towels are a great choice for people who are environmentally conscious. The fabric made from bamboo is luxuriously soft, yet it is also very strong. Bamboo is known for its strength and besides being used to create fabric, it is also used in many home improvement products.

Bamboo Offers Sustainability

Most of the bamboo processed to make bamboo bath towels is organic. Bamboo grows very easily in many types of climates and it is a hardy plant. Even though it is a very woody plant, it is categorized as a grass. Bamboo is one of the world’s fastest growing grasses and has the ability to grow more than a yard in one day.

When it is harvested, it does not require replanting like trees or cotton because it has a very good root system and bamboo will continue to grow on its own. In addition, bamboo doesn’t require as much water as cotton does to grow. Its hardiness also allows it to grow without the use of pesticides or chemical fertilizers.

Luxury at Home

You don’t have to visit a high-end spa to enjoy using bamboo bath towels. You can buy a bamboo towel set for your own bathroom and enjoy them whenever you wish. Aside from being soft and durable, bamboo towels always smell fresh and the do not mildew like cotton towels can when they get damp or haven’t been completely dried.

Unlike some expensive cotton towels, bamboo bath towels are very absorbent. Sometimes luxury cotton towels can still leave you feeling damp because they don’t fully absorb the water on your skin. However, bamboo towels will pick up all the water so you skin will be dry when you’re ready to get dressed after your shower or bath. Bamboo towels will wick away water three to four times faster than cotton, which is why they are so absorbent.

The fabrics made from bamboo, including those used in towels, are anti-fungal and antibacterial, so you don’t have to worry about getting germs from someone if they accidentally use your towel after they shower. The towels are also great for people with sensitive skin as bamboo is also hypoallergenic.

A Great Gift

A bamboo towel set would be a wonderful gift for a wedding or as a housewarming gift. Most people probably wouldn’t buy bamboo towels for themselves as they can be quite expensive. However, you could buy a set to give to a friend so they can pamper themselves after a bath.

While bamboo towels are becoming more available, the best place to buy them will be online as you will be able to find a larger selection than you will in most stores. Visit here for more info.

Be Aware Of The Misuse Of 3 D Printing Technology}

Be Aware Of The Misuse of 3D Printing Technology

by

Stuart Ting3D printers is the technology of the future that is here to stay. Today, everywhere you look, you can find news about the latest innovations that have come about using a 3D printer. From motorbikes to medical equipments and prosthetic limbs and futuristic gadgets, people have been able to create almost anything out of their imagination into a workable prototype or even a full-fledged product that is ready for the market.

Popularity in Australia

With the technology evolving rapidly, and improvements being made constantly in 3D printer filament, it is no wonder that people in Australia, from hobbyists to entrepreneurs and industrialists, have wholeheartedly embraced the 3D printing technology.

The downside of the technology

However, just like anything else that is man made, 3D printers

have become a double-edged sword that is being used for a lot of shady things. While it may still not be an affordable technology for everyone, the misuse of 3D technology is still widespread and happening because it is available in a convenient way to many industrial houses, developers, programmers, and other people who can afford to buy the best in 3D printers, so this is something that everyone has to be aware of.

What are the dangers of 3D printing technology?

One of the latest cases where 3D printing technology captured the attention of the world for all the wrong reasons was when a law student put up a video of a gun he had designed and got printed using a 3D printer. The CAD design of the gun was downloaded in the thousands before it was removed at the express request of the Department of Homeland Security in the U.S. In Australia too, 3D printers are becoming increasingly popular and there’s no telling what will be cooked up next.

The other dangers of 3D printers

Apart from a deliberate misuse of the printers to create products which may be harmful for the general populace, there are other dangers to 3D printers that people need to be aware of. Knowing these dangers will give people a more comprehensive idea of how to use 3D printers in a way that is safe for themselves and the environment.

Some of these dangers are:

-> Printing or buying guns that are made with plastic from 3D printing technology. The danger of this is that they could pass through metal detectors and be used indiscriminately by anyone with an agenda that is not for the highest good of the public. Printing out firearms using a 3D printer just so that licensing requirements can be circumvented is one of the biggest dangers of the technology. It puts guns in the hands of anyone and everyone. All that is needed is to download the CAD design and get it printed either personally or commercially.

-> Printing of safety gadgets or devices using 3D printers that may not hold up to the rigorous standards that are met when the same product is manufactured using metal. For example, printing of helmets and other safety gear using 3D printers can result in danger to the life of the person if the helmet does not hold up in an accident.

-> Printing of products that absolutely need metal to be effective and functional, but using 3D printing technology to make it instead, in order to save on time and money. This is both unethical and illegal.

-> 3D printed drugs are the latest threat to the public due to the misuse of 3D printing technology. Using a chemical blueprint that can be availed from a pharmacy, 3D printers can be used to print out drugs, so that patients can henceforth print out their own drugs! Though this may not be something that is viable in the near future, if it does become possible, then any drug can be printed using it, from cocaine to cyanide, and the implications of this misuse are enormous.

->Printing out food-related items using 3D printers: Anything from a fork to a plate can be printed out this way, but what are the safety and health risks associated with this?

With 3D printing technology, it is easy to go both ways-create as well as destruct, so it is important to be aware at all times and choose wisely.

Stuart Ting is the owner Infinity 3D Printing which is one of the largest suppliers of 3D printers and filaments across Australia. Infinity 3D Printing stocks a range of 3D printers that are high quality and efficient.

Article Source:

eArticlesOnline.com}

Public disclosure made of final report on deaths of nine in Finnish school shooting

Friday, April 18, 2008

Jokela School, the scene of the shooting

The Finnish National Bureau of Investigation yesterday released 600 pages of the 2,000 page final report into the Jokela school shooting. 18-year-old Pekka-Eric Auvinen opened fire at Jokela High School, killing eight before turning his gun on himself, receiving fatal wounds.

The remaining 1,400 pages of the report are to remain confidential. The public section reveals a number of problems that may have impacted on Auvinen’s decision to conduct the attack, but says that police failed to find any conclusive motive. Also released was an animation depicting events at the school.

The report says Auvinen had been bullied since the age of ten and concludes the extent of this problem was greater than previously thought. Auvinen suffered from anxiety and blushing, especially in lessons, and had been diagnosed with a panic disorder, for which he had been prescribed medication. Auvinen also suffered from sleep disorders and loneliness, and had few friends, although one former bully did go on to become a good friend of Auvinen’s. His mother said inability to settle on a suitable ideology contributed to Auvinen’s depression.

His parents had noticed and reacted to the bullying problem, but their intervention only served to worsen the situation. According to entries in Auvinen’s diary, he first began planning the shooting – which he gave the English name “Operation Main Strike” – about eight months prior to actually conducting the shooting.

Auvinen had told his mother that under certain circumstances he could approve of violence. He had often viewed web sites promoting violence and had a number of online contacts whom he discussed his ideas with. One of these was a United States teen arrested for planning a similar attack, and two others discussed the Columbine High School Massacre with him and traded videos they found online. However, there is no evidence he informed anyone of his plans until immediately prior to the attack.

An interior window shot through by the killer

The report called Auvinen a moderately good student, but noted his mental problems had impacted his performance at school. He had been interested in politics from an early age, being involved with the Centre Party, the Social Democratic Party, the Left Alliance, and the Finnish Communist Party.

“In the best case, this (attack) would create massive destruction and chaos, or even a revolution,” read one diary entry. “In any case, I want this to be remembered forever. Maybe I’ll even have a follower; after all, I am a super-person, almost God.” Another revealed he intended to “kill as many of you bastards as possible”. His diary also reveals he was aware he would be dead by the end of the attack.

He obtained a .22 calliber handgun which he named Catherine, having been denied a license for a 9mm gun, and submitted his plans online – including to YouTube – just 14 minutes prior to firing his first shots, having cycled to school. It was determined that, given the time-frame, there was little that could have been done by anyone who saw the material to prevent the attack. He fired 75 shots, 50 of which struck his eight fatally wounded victims, who were apparently chosen at random. Thirteen others were injured in the event.

The deceased were six students, the school headmistress and the school nurse. Auvinen shot at each several times in the region of the head and upper torso. He ultimately shot himself in the school toilet, and died in hospital from head wounds ten hours later, having never regained consciousness.

Police could not determine why he chose the date he did, although it was noted his online relationship with a foreign girl had ended just days before. It was also determined little could be done to predict and prevent future incidents, although one measure being sought is to require medical checks for gun licences and parental consent for prospective owners under 18.

The confidential section of the report discusses causes of death and police operations.

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