Wednesday, October 31, 2012

Storm's cost may hit $50B; rebuilding to ease blow - seattlepi.com

WASHINGTON (AP) ? Superstorm Sandy will end up causing about $20 billion in property damages and $10 billion to $30 billion more in lost business, according to IHS Global Insight, a forecasting firm.

In the long run, the devastation the storm inflicted on New York City and other parts of the Northeast will barely nick the U.S. economy. That's the view of economists who say a slightly slower economy in coming weeks will likely be matched by reconstruction and repairs that will contribute to growth over time.

The short-term blow to the economy, though, could subtract about 0.6 percentage point from U.S. economic growth in the October-December quarter, IHS says. Retailers, airlines and home construction firms will likely lose some business.

The storm cut power to more than 8 million homes, shut down 70 percent of East Coast oil refineries and inflicted worse-than-expected damage in the New York metro area. That area produces about 10 percent of U.S. economic output.

New York City was all but closed off by car, train and air. The superstorm overflowed the city's waterfront, flooded the financial district and subway tunnels and cut power to hundreds of thousands. Power is expected to be fully restored in Manhattan and Brooklyn within four days.

The New York Stock Exchange will reopen for regular trading Wednesday after being shut down for two days. There's no evidence that the shutdown had any effect on the financial system or the economy. But Jim Paulsen, chief strategist at Wells Capital Management, said further delays might have rattled consumers and dampened their spending.

"It's about confidence," Paulsen said. "We're watching these horrific images of the storm, and people are thinking whether they should ahead with that big purchase ....It doesn't do any good to have another day with headlines saying the U.S can't figure out how to open its stock exchange."

Most homeowners who suffered losses from flooding won't be able to benefit from their insurance policies. Standard homeowner policies don't cover flood damage, and few homeowners have flood insurance.

But Fannie Mae and Freddie Mac said they will offer help to borrowers whose homes were damaged or destroyed, who live in designated disaster areas and whose loans the mortgage giants own or guarantee. Among other steps, mortgage servicers will be allowed to reduce the monthly payments of affected homeowners or require no payments from them temporarily.

Across U.S. industries, disruptions will slow the economy temporarily. Some restaurants and stores will draw fewer customers. Factories may shut down or shorten shifts because of a drop in customer demand.

Some of those losses won't be easily made up. Restaurants that lose two or three days of business, for example, won't necessarily experience a rebound later. And money spent to repair a home may lead to less spending elsewhere.

With some roads in the Northeast impassable after the storm, drivers won't be filling up as much. That will slow demand for gasoline. Pump prices, which had been declining before the storm, will likely keep slipping. The national average for a gallon of regular fell by about a penny Tuesday, to $3.53 ? more than 11 cents lower than a week ago.

Shipping and business travel has been suspended in areas of the Northeast. More than 15,000 flights across the Northeast and the world have been grounded, and it will take days for some passengers to get where they're going.

On Tuesday, more than 6,000 flights were canceled, according to the flight-tracking service FlightAware. More than 500 flights scheduled for Wednesday were also canceled.

The three big New York airports were closed Tuesday. New York has the nation's busiest airspace, so cancellations there drastically affect travel in other cities.

Economists noted that the short-term hit to the economy was worsened by the size of the population centers the storm hit.

"Sandy hit a high-population-density area with a lot of expensive homes," said Beata Caranci, deputy chief economist at TD Bank.

Hurricane damage to homes, businesses and roads reduces U.S. wealth. But it doesn't subtract from the government's calculation of economic activity.

By contrast, rebuilding and restocking by businesses and consumers add to the nation's gross domestic product ? the broadest gauge of economic production. GDP measures all goods and services produced in the United States.

Paul Ashworth, chief U.S. economist at Capital Economics, expects the storm to shave 0.1 to 0.2 percentage point from annual economic growth in the October-December quarter. He thinks the economy will grow at an annual rate of 1.5 percent to 2 percent in the fourth quarter. It grew at a 2 percent annual rate last quarter.

But Ashworth said any losses this quarter should be made up later as rebuilding boosts sales at building supply stores and other companies.

"People will load up on whatever they need to make repairs ? roofing, dry wall, carpeting ? to deal with the damage," he said.

In the short run, Caranci said the economic damage could be worst for small businesses that lack the money and other resources to withstand lost sales.

"It will remain to be seen how long disruptions to electricity and infrastructure persist," she said.

But she noted that the storm should help the construction industry, which shed millions of workers after the housing bust. Many who lost construction jobs were skilled employees with disproportionately high pay, and the loss of those jobs hit the economy hard.

Major retailers began trying Tuesday to ramp up their operations before the critical holiday shopping period.

Sears Holdings Corp., which operates Kmart and Sears, said 80 of its stores were still closed at midday Tuesday, down from 187 Monday. Wal-Mart Stores Inc., the world's biggest retailer, said it was working to reopen the 168 stores it closed. And Darden Restaurants Inc., parent of Olive Garden and Red Lobster, by Tuesday afternoon had reopened roughly 160 of the 260 restaurants it closed Monday.

Retailers collect up to 40 percent of their annual revenue in November and December. Retailers, excluding restaurants, could lose at least $25 billion in sales this week, estimates Burt Flickinger III of retail consultancy Strategic Resource Group. Because of the storm, he's reduced his forecast for holiday sales to a 2.1 percent increase over last year from the 3.2 percent increase he had predicted earlier.

Reopening is often difficult after a storm. Because New York's subways and buses remained closed Tuesday, it was hard for many employees to get to work. Macy's and Saks Fifth Avenue flagship stores stayed closed Tuesday ? bad news for those retailers, because major department stores can derive 10 percent of annual sales from their Manhattan locations.

Still, those stores that could open for business did. A Westside Market in Manhattan remained open 24 hours a day throughout the storm, even though only about 20 percent of workers managed to show up Monday and Tuesday.

"They found a way to get here ? I don't know how," store manager Jay Bilone said.

Insured losses from the superstorm will likely total $5 billion to $10 billion, the forecasting firm Eqecat estimates. Insurance losses are typically a fraction of the overall cost.

Chubb, Allstate and Travelers are the insurers most likely to suffer losses, said Greg Locraft, an analyst at Morgan Stanley. Those companies claim a major share of the affected areas.

But "as an insurance event, Sandy is going to be a blip on the balance sheet," said Duncan Ellis, U.S. property practice leader at Marsh, the insurance broker. "2012 has been a relatively catastrophe-free year."

Economists expect actual property damages from Hurricane Sandy to exceed those caused last year by Hurricane Irene, which cost $15.8 billion. Irene had little effect on the nation's growth.

Sandy will likely be among the 10 costliest hurricanes in U.S. history. It would still be far below the worst ? Hurricane Katrina, which cost $108 billion in 2005.

But "there is every reason to believe that the hurricane won't kick the legs out of an already-fragile U.S. economy," Caranci said.

___

AP Business Writers Sandy Shore in Denver, Candice Choi, Anne D'Innocenzio, Matthew Craft, Bernard Condon and Bree Fowler in New York and Mark Jewell in Boston contributed to this report.

Source: http://www.seattlepi.com/news/article/Storm-s-cost-may-hit-50B-rebuilding-to-ease-blow-3993563.php

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11 iPhone Apps to Strength Train and Lift Smarter | Greatist

11 iPhone Apps to Strength Train and Lift Smarter

Frankly, the science behind gaining muscle isn?t very difficult; it mostly comes down to loading up the bar, and then loading up the fork. That?s not to say it doesn?t take discipline and commitment. That?s why any help we can get is appreciated. So if the math is so simple, why do so many fitness apps sport more features than a Japanese toilet? All those gizmos and gadgets can be more hindrance than help.

Greatist has rounded up 11 of the best strength training apps to lift smarter (all at least available on iPhone; Androids never fear, there are options here, too!). These apps will help anyone work out right, eat better, rest up, and track the whole thing, all on a mobile device. Read on to find out how!

Getting Stronger

Time in the gym should be time spent working, not futzing with a phone. Skip the complex apps with tons of preloaded workouts by who-only-knows and walk in the gym with a plan from a trustworthy source, and pared down apps like:

Pumping Weight
Pumping Weight

Pumping Weight

Aside from being devastatingly handsome, this simple guy sports some nifty features, like automatically recording rest periods. That?s helpful for judging the intensity of a particular session (plus it fosters a beat-the-clock kind of focus). Although Pumping Weight does a fantastic job of recording and visually charting progress with everything from weights to intervals, it isn?t entirely intuitive. Sacrifice 10 minutes learning its ins-and-outs and Pumping Weight will become an indispensable training tool.
Details: Cost: $2.99. Available for iOS.

Gym Buddy

Gym Buddy is ugly. Very ugly. But it makes up for aesthetics with no-nonsense functionality that?s great for serious lifters. Take, for example, the swipe-through interface that makes tracking supersets super simple, plus it?s one of the few apps that can juggle multiple lifting programs. (Pro Tip: track more than 150 workouts and the app starts to lag, annoyingly.) The preset timers only offer 30, 60, and 120 second rest periods but they do count down to an audible boxing bell cue, which is embarrassingly motivational ? cue the Rocky montage!
Details: Cost: $2.99. Available for iOS.

Gym Hero

A lesson in simplicity, this app is little more than a digital notebook.?It can hold multiple programs and backs up automatically to the web, but for anything else ? timers, instruction, the ability to track cardio ? look elsewhere.
Details: Cost: Free. Available for iOS.

StrongLifts 5?5

This is an intuitive and well designed app that automates the super-popular StrongLifts 5?5 program. It can figure out ideal weights, tracking progress, and even deloading folks automatically when they plateau ? but that?s all it does.?There?s no room for tracking cardio or accessory work. Basically it?s all about drinking the ?5 exercise, 5 set, 5 rep? Kool-Aid, or find a supplemental journaling app (Gym Hero, for example).
Details: Cost: Free. Available for iOS.

Digital Diets for Real Life Muscles

Livestrong MyPlate Calorie Tracker

Livestrong MyPlate Calorie Tracker

A huge part of strength training, whether it be dropping fat or adding muscle, is going to come down to what goes into the tank, but keeping nutrition on point during the 160+ hours not spent grunting and grinding out reps can be harder than the actual workout.?Food diaries can make monitoring calorie (and protein) intake considerably easier. It?s vital, however, to pick a good one like these:

MyNetDiary

Powerful and simple, MyNetDiary addresses the two biggest problems the trackers below have: It offers a decent portfolio of foods available offline, but MyNetDiary also comes with access to an online database that rivals the best resources out there. The app also includes a handy barcode scanner (though it?s really only useful in the paid version), and even a built in ?Before & After? feature for taking selfies, which may sound silly, but let?s be honest ? vanity is a heck of a motivator.
Details: Cost: Free, or $3.99 for the Pro Version (recommended). Available for iOS, Android, and Blackberry.

Tap & Track

The fact this guy works offline is huge (especially in New York, where subway rides are the perfect time to figure out what Apollo Ono?s fave foods really do to a diet). Tap & Track also allows for macro targets (protein, carbs and fat) for the day, which is a basic feature most trackers lack. While it?s incredibly intuitive, searching the database can get frustrating (Pop Chips? No results. Popchips? Oh, there we go!) especially since it?s probably somewhere in Tap & Track?s well-appointed database.
Details: Cost: $3.99. Available for iOS.

Livestrong?s MyPlate Calorie Tracker

Livestrong?s huge user base makes its roster of eats one of the best in the business (banh m? for lunch? BAM! There?re 30 options where most trackers have none). Don?t underestimate the importance of a good database, because really, who is going to spend five minutes entering the breakdown manually??That said, Livestrong?s Achilles? heel is its reliance on the Internet. It may spare space on phones, but for anyone with slow (or no) service tracking, using MyPlate can become a trying experience.
Details: Cost: $2.99. Available for iOS, Android, most Blackberry devices (see app store for details), and Window?s Phone.

Make Sure to Rest

sleep cycle app

Sleep Cycle

Sleep, along with training intelligently and eating well, is a key cog in any strength plan: get too little and the deficit will show in the gym. Plus it can lead to overtraining. While these apps have even greater limitations than their pricier brethren, for people who chronically miss out on the Zzz?s they can be useful to identify underlying problems so insomnia doesn?t have to be taken lying down (*groan*).

Sleep Cycle Alarm Clock

Sleep Cycle attempts to wake users during the lightest stages of their sleep cycle so they awake feeling more refreshed. To pull off this feat the app has users pick a timeframe in which they need to rise, then sleep with their phones in the bed so it can use the accelerometer to sense tossing and turning in the night. The app boasts that it was once the top paid app in nine countries, which is a testament to how useful many have found it. For the most part, I found it seemed to always go off at the earliest possible moment.
Details: Cost: $0.99. Available for iOS.

EasyWakeup Pro

While largely interchangeable with the above app, this slightly more expensive option also seemed to measure depth of sleep more reliably, which could be valuable to someone who?s trying to understand their sleep patterns better. However, even with this additional sensitivity, the alarm still seems to go off at the beginning of the designated wake-up window.
Details: $4.99. Available for iOS.

Track Your Progress

gametrac app

Game Trac

Working out? Check. Eating better? Check. Resting right? Check. Now all that?s left is to make sure all that hard work is turning into real results. These apps will help chart a user?s progress and stay on top of those strength training goals (we might even bust a plateau or two).

fitnessMeter

For anyone who?s looking to add strength for functional reasons, being able to measure how weight room accomplishments translate into real world gains, fitnessMeter?s an awesome tool. Using the phone?s camera the app can automatically time suicides, sprints (though it?s only helpful if they?re under 20 meters), and measure vertical leap. While all of these would admittedly be more accurately measured by a real-life person, fitnessMeter frees you from the need to drag a friend to the track every day.
Details Cost: $1.99. Available for iOS.

GameTrac

For anyone who plays sports, this simple app is a great way to quantify in-game performance. That could be a major help in figuring out if all that time under the bar is paying off. GameTrac makes managing the stats of one person, or an entire team (including wins and losses), incredibly easy ? it even offers to populate teams using contacts found on the phone. Most major sports come preloaded, but everyting from the games to the actual states are customizable. Just don?t underestimate a stat sheet?s ability to heat up a friendly game of hoops.
Details: Cost: Free. Available for iOS.

Have you ever used an app or technology to improve your training regime? Any apps we missed? Share your experience in the comments below.

?

Source: http://greatist.com/fitness/strength-training-iphone-apps/

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Vonne Monai's Beauty, Health & Fitness Guide: AP poll: Majority ...

I am an American Mulatto.
My Mother is Cherokee & Seminole (tall, yellow, black kinky hair, (Bette Davis) brown eyes, pretty.
My Father is Italian American (tall, rock star skinny, curly blond hair, gorgeous blue eyes, incredibly handsome.

I am 5'7", 100 lbs., Size Zero, Brown Eyes, Curly Black Hair
Professional Actress, Model,?Composer, Artist & Poetess

My name is pronounced vonnie monay

I have created hundreds of original musical compositions, but due to the excessiveness of the Organized Criminal Gang Stalking I have to endured on a constant basis; I have only 60 songs?and only 60 poems?copywritten.

I also have not had the time to even present my work in a professional manner.

I figured I would present it raw since these creatures think they can erase me and my life. ?They are lowlives who think they can make their outrageous "frame ups" stick.

I have been a vegetarian all of my life.

I know it is not for everyone and have never and will never try to force anyone to eat the way I do. I was forced by my mother to eat meat because of my blood disorder, Thalassemia Minor. She tried to frighten me into eating it by telling me that I would die if I didn't. I am still alive!

?

I am a True Gemini a Syzygy and a Grand Cross!

Syzygy?in?Astronomy? is an alignment of three celestial objects, as the sun, the earth, and either the moon or a planet.

In a Grand Cross, there is one planet in each astrological element (fire, earth, air and water) but all the planets are in signs of the same modality or quality.

I am a victim of child pornographers, sadistic, homosexual, pedophile, rapists, kidnapping, forced breeding & sex slavery. I am still stalked by these slanderers. I will tell anyone who will listen until I have justice. I am so fed up with them that I have begun to names names.

These brute beasts twice dead (A New Teatament description of these creatures) ought to thank me for sharing their actual "Accomplishments" Crimes.

I think it is all about the land that was stolen from my family.

Tropicana Orange Juice is on it in Bradenton, Florida, USA.

These posts are designed to disrupt the MuslimTerrorist, Zionists/Jewish, Papist/Catholic Inquisitors/Mafia & Willie Lynch Slaves/Blacks , Third World/Illegal Aliens attempts to commit The Genocide of True Americans!

Source: http://vonnemonai.blogspot.com/2012/10/ap-poll-majority-harbor-prejudice.html

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Tuesday, October 30, 2012

DC Ranch Real Estate Under $500,000 (October 2012) | eXp Realty ...

DC Ranch Real Estate Under $500,000 (October 2012)

In North Scottsdale, what a better way to ?find one of the most prestigious places you?ll ever find anywhere in the country. Let alone, not pay more than a half of a million dollars to live there? ?This place has it all where you can get more BANG for your Buck! ?With this historical feel,?DC Ranch?has all the amenities with activities, employment, shopping and fun. ?The 43,000 acres of land has become one of the most attractive places to live in the Phoenix Valley Metro, since it was developed in the early 1900?s.

The DC Ranch community is located at the base of?McDowell Mountains?with private golf and residential community in North Scottsdale is situated at the corner of Pima Road and Thompson Peak Parkway. This area is developed with residential homes and condominiums, but has its high integrity of keeping its desert open and preserved, but is awaiting for you!

You would think, ?Wow! This is great but it would cost me a fortune! It?s going to cost me at least a million dollars!? You are in for a huge surprise.

I found these listings that may fit your needs in location, amenities in the community and features you want, all under $500,000!

Best of all these are regular active sales are NOT short sales!

To give you ideas what have sold in DC Ranch under $500,000, there are 3 properties sold within the past ?months.

If you are interested?in any of these prestigious homes and condominiums in DC Ranch of any of these listings, I have the keys for your DC Ranch home!?Other additional active listings are also available by clicking the link below. Please call me and I?ll let you in. I?ll set you up with the valley?s best professionals for all your financing needs!

James W. Plummer III (Jim), Scottsdale

Source: http://www.scottsdaleparadise.com/dc-ranch/dc-ranch-real-estate-under-500000-october-2012/

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Northeast battens down the hatches as Sandy approaches

NEW YORK (AP) ? A fast-strengthening Hurricane Sandy churned north Monday, raking ghost-town cities along the Northeast corridor with rain and wind gusts. Subways and schools were closed across the region of 50 million people, the floor of the New York Stock Exchange was deserted, and thousands fled inland.

Forecasters expected the monster hurricane to make a westward lurch and aim for New Jersey, blowing ashore Monday night and combining with two other weather systems to create an epic superstorm.

Its projected path put New York City and Long Island in the danger zone for a huge surge of seawater made more fearsome by high tides and a full moon.

"This is the worst-case scenario," said Louis Uccellini, environmental prediction chief for the National Oceanic and Atmospheric Administration.

By late morning, the storm's top winds had strengthened to 90 mph. It was about 200 miles southeast of Atlantic City, N.J., where the emptied-out streets were mostly under water and where an old section of the historic boardwalk broke up and washed away.

Authorities moved to close the Holland Tunnel, which connects New York and New Jersey, and a tunnel between Manhattan and Brooklyn. Street grates above the New York subway were boarded up, but officials worried that seawater would seep in and damage the switches.

Because the storm is so big, with tropical storm-force winds extending almost 500 miles from its center, it could upend daily life for big cities and small towns alike across the Northeast ? including Washington, Baltimore, Philadelphia, New York and Boston ? and as far west as the Great Lakes. Up to 3 feet of snow was forecast for the West Virginia mountains.

Millions of people in the storm's path stayed home from work. Subways, buses and trains shut down, and more than 7,000 flights in and out of the East were canceled, snarling travel around the globe. Hundreds of thousands of people were under orders to flee the coast, including 375,000 in lower Manhattan and other parts of New York City, but authorities warned that the time to get out was short or already past.

"I think this one's going to do us in," said Mark Palazzolo, who boarded up his bait-and-tackle shop in Point Pleasant Beach, N.J., with the same wood he used in past storms, crossing out the names of Hurricanes Isaac and Irene and spray-painting "Sandy" next to them.

"I got a call from a friend of mine from Florida last night who said, 'Mark, get out! If it's not the storm, it'll be the aftermath. People are going to be fighting in the streets over gasoline and food.'"

President Barack Obama declared emergencies in Massachusetts, Connecticut, Rhode Island, New York, New Jersey and Pennsylvania, authorizing federal relief work to begin well ahead of time. He promised the government would "respond big and respond fast" after the storm hits.

"My message to the governors as well as to the mayors is anything they need, we will be there, and we will cut through red tape," Obama said. "We are not going to get bogged down with a lot of rules."

Sandy, a Category 1 hurricane, was blamed for 65 deaths in the Caribbean before it began traveling northward, parallel to the Eastern Seaboard. As of 11 a.m., it was moving at 18 mph, with hurricane-force winds extending an extraordinary 175 miles from its center.

About 90 miles off Cape Hatteras, N.C., the Coast Guard rescued 14 crew members by helicopter from a replica of the 18th-century tall ship made famous in the movie "Mutiny on the Bounty." The Coast Guard searched for two other crew members.

The rescued had donned survival suits and life jackets and boarded two lifeboats after the ship began taking on water. They were plucked from 18-foot seas just before sunrise.

Maryland Gov. Martin O'Malley said a fishing pier in the beach resort of Ocean City, not far from a popular boardwalk and amusement park, was "half-gone." The area had been ordered evacuated on Sunday.

Water was already a foot deep on the streets of Lindenhurst, N.Y., along the southern edge of Long Island, and the canals around the island's Great South Bay were bulging two hours before high tide. Gale-force winds blew overnight over coastal North Carolina, southeastern Virginia, the Delmarva Peninsula and coastal New Jersey.

Forecasters warned that New York City and Long Island could be on the dangerous northeastern edge of the tempest and bear the worst of the storm surge ? a wall of seawater up to 11 feet high that could swamp lower Manhattan, flood subway tunnels and cripple the network of electrical and communications lines that are vital to the nation's financial center.

The major American stock exchanges closed for the day, the first unplanned shutdown since the Sept. 11 attacks in 2001. The floor of the NYSE, typically bustling with traders on a Monday morning, fell within the city's mandatory evacuation zone. The United Nations canceled all meetings at its New York headquarters.

New York called off school for the city's 1.1 million students, and the more than 5 million people who depend on its transit network every day were left without a way to get around. Most planned to stay inside anyway.

"If you don't evacuate, you are not only endangering your life, you are also endangering the lives of the first responders who are going in to rescue you," Mayor Michael Bloomberg warned. "This is a serious and dangerous storm."

New Jersey Gov. Chris Christie was typically blunt: "Don't be stupid. Get out."

The storm bore down barely a week before the presidential election. Wary of being seen as putting political pursuits ahead of public safety, Obama and Republican nominee Mitt Romney reshuffled their campaign plans.

In Virginia, one of the most competitive states, election officials eased absentee voting requirements for those affected by the storm. Three other closely contested states, New Hampshire, North Carolina and Ohio, were within Sandy's reach. Early voting was canceled Monday in Maryland and Washington, D.C., both reliably Democratic.

After hooking inland, Sandy was expected to collide with a wintry storm moving in from the west and cold air streaming down from the Arctic. Forecasters said the combination could bring close to a foot of rain in places, a potentially lethal storm surge of 4 to 11 feet across much of the region, and punishing winds that could cause widespread power outages that last for days.

Craig Fugate, chief of the Federal Emergency Management Agency, said FEMA teams were deployed from North Carolina to Maine and as far inland as West Virginia, bringing generators and basic supplies that will be needed in the storm's aftermath.

"I have not been around long enough to see a hurricane forecast with a snow advisory in it," Fugate told NBC's "Today" show.

Pennsylvania's largest utilities brought in hundreds of line-repair and tree-trimming crews. In New Jersey, where utilities were widely criticized last year for slow responses after the remnants of storms Irene and Lee, authorities promised a better performance. Hundreds of homes and businesses were already without electricity early Monday.

___

Breed reported from Raleigh, N.C.; Contributing to this report were AP Science Writer Seth Borenstein in Washington; Katie Zezima in Atlantic City, N.J.; David Porter in Pompton Lakes, N.J.; Wayne Parry in Point Pleasant Beach, N.J.; and David Dishneau in Delaware.

Source: http://news.yahoo.com/sandy-gains-power-aims-northeast-135312645.html

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How to Make Use of Cheap Internet Banner Advertising : Home ...

Tonja Guiste?
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How to Make Use of Cheap Internet Banner Advertising

For years now, internet banner advertising has captured the World Wide Web for it has become a large help in saving an amount of money while reaching beyond territories. Banner advertising played ?????Continue / Read Entire Blog?

Source: http://www.homebizblogs.com/2012/10/how-to-make-use-of-cheap-internet-banner-advertising-5/

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Monday, October 29, 2012

Insurance industry worried Romney might actually repeal Obamacare

Oh, now they?re worried.

The insurance industry did a lot of crying about Obamacare, even though we?ve known for a while it was going to be big business for them. ?Now they?re crying because ? heaven forbid! ? a Romney victory, along with a GOP-controlled House, might mean chaos for their business as the GOP attempts to follow through on its threat to repeal health care reform.

Poor babies, right?

Despite all of the talk by Republicans about how disruptive Democrats are for business, it sure sounds like it?s the Republicans who are the making life unpredictable for business. ?This time for the insurance industry.

In truth, the Republicans are loose cannons and everyone knows it ? remember, it was GOP threats not to pass the debt ceiling increase that caused the US? credit rating to be downgraded.

From National Journal:

The big new element on Friday was an official outside recognition that U.S. creditworthiness is being undermined by a new factor: political insanity. S&P didn?t base its downgrade on a change in the U.S. fiscal and economic outlook. It based it on the political game of chicken over the debt ceiling, a game that Republicans initiated and pushed to the limit, and on a growing gloom about the partisan deadlock.?? Part of S&P?s gloom, moreover, stemmed explicitly from what a new assessment of the GOP?s ability to block any and all tax increases.

S&P was remarkably blunt that its downgrade was mostly about heightened political risks: ??The political brinksmanship of recent months highlights what we see as?America?s governance and policymaking becoming less stable, less effective,?and less predictable than what we previously believed,? it said?.

To be sure, S&P didn?t specifically single out Republicans. It criticized the overall $2.4 trillion deal as too limited, and it implicitly criticized both political parties for refusing to tackle their sacred cows ? entitlements, in the case of Democrats; tax increases in the case of Republicans.

But it?s hard to read the S&P analysis as anything other than a blast at Republicans.? In denouncing the threat of default as a ?bargaining chip,? the agency was saying that the GOP strategy had shaken its confidence.? Though S&P didn?t mention it, the agency must have been unnerved by the number of Republicans who insisted that it would be fine to blow through the debt ceiling and provoke a default.

And now Big Insurance has suddenly woken up to the fact that Republican insanity is bad for business. ?Maybe they should have thought about that before joining the GOP in ripping Obamacare.

ABC via Yahoo:

Although the industry hates parts of President Barack Obama?s health care law, major outfits such as UnitedHealth Group and BlueCross Blue Shield also stand to rake in billions of dollars from new customers who?ll get health insurance under the law. The companies already have invested tens of millions to carry it out.Were Romney elected, insurers would be in for months of uncertainty as his administration gets used to Washington and tries to make good on his promise repeal Obama?s law. Simultaneously, federal and state bureaucrats and the health care industry would face a rush of legal deadlines for putting into place the major pieces of what Republicans deride as ?Obamacare.?

Would they follow the law on the books or the one in the works? What would federal courts tell them to do?

Looking at the strange and destructive insanity of the GOP, let?s take a guess how a GOP Congress might react.

Source: http://americablog.com/2012/10/insurance-repeal-obamacare-romne.html

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Falcons Cheerleaders Finish Second at Cheer Competition ...

http://durham.patch.com/articles/falcons-cheerleaders-finish-second-at-cheer-competition/media_attachments/edit?upload_started=1351411346

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Source: http://durham.patch.com/articles/falcons-cheerleaders-finish-second-at-cheer-competition

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Natina Reed Dead After Being Hit By Car

Natina Reed, who found stardom as an R&B singer in the 90s was struck by a car and killed in Atlanta this weekend at just 32-years-old. Normally celebrity deaths come to us with scandalous background stories–drugs, DUI, and sometimes even murder. But in this case, Reed was simply hit by a car. So what happened? Well, it seems that The driver won’t be charged, and was actually the person who called 911. From the looks of this one, it sounds like she somehow got in the way, either by crossing the street without looking, or for some other reason. The investigation is still underway, but again, the driver has so far been found to NOT be a fault. That leads me to believe that she could have even been jaywalking. It’s so very sad. You may also recognize her from the movie Bring It On, where she played a cheerleader. Sadly, she leaves a ten year old son behind, and a husband, who is actually a well known rapper named Kurupt. I guess we will have to wait for more information to be released before we can piece together how she managed to get hit. If it was anywhere near [...]

Source: http://feedproxy.google.com/~r/RightCelebrity/~3/moTwnjf2yOU/

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Sunday, October 28, 2012

Ukraine's ruling party leads in election: exit polls

KIEV (Reuters) - Ukrainian President Viktor Yanukovich's pro-business ruling party led in a national election on Sunday and seemed likely to keep its majority in parliament, exit polls showed, despite a strong showing by the combined opposition.

Two exit polls issued when a day of voting ended showed Yanukovich's Party of the Regions in the lead with between 28 percent and 30.5 percent of the voting in the part of balloting conducted by party lists.

But the united opposition, which includes the Batkivshchyna (Fatherland) party of Yanukovich's jailed opponent Yulia Tymoshenko, took around 24 percent while the opposition UDAR liberal party of boxing champion Vitaly Klitschko was on around 15 per cent.

There were no immediate available figures for how this would translate into seats in the 450-member single-chamber parliament.

But Prime Minister Mykola Azarov said the ruling party was the clear victor while another senior leadership figure said the final results would show the Regions holding a majority.

"The exit poll data speaks for itself. It is clear the Party of the Regions has won... These elections signal confidence in the President's policies," Azarov told journalists.

But Arseny Yatsenyuk, head of the united opposition in the absence of Tymoshenko, said: "The exit poll results have shown that the people of Ukraine support the opposition and not the government."

Candidates voted in on party lists account for half of the seats while the other 225 seats will be decided by voting in individual constituencies on a first-past-the-post basis - a feature which is assumed to favor the Regions party.

Though the exit polls showed some decline in support for the Yanukovich government which is unpopular because of its tax and pension policies, the figures suggested the Regions might be able to form a majority especially if it was supported by allies such as the communists.

Borys Kolesnikov, a deputy prime minister, went further, saying he foresaw the Regions picking up two thirds of these single-mandate constituencies, handing the Regions a majority.

Victory by the Regions is certain to cement the leadership of Yanukovich who comes up for re-election in 2015 and whose rule has been marked by an accumulation of presidential powers and antagonism with the West over Tymoshenko's imprisonment.

With the West seeing the poll as a test of Ukraine's commitment to democracy, interest will focus on the judgment that international monitors will hand down.

Observers from the OSCE European security and human rights body are due on Monday to give their judgment on how fair and free they perceived the poll to have been.

A positive assessment could improve Yanukovich's image before Ukraine takes over the organization's chair in January.

ISOLATED UKRAINE

The former Soviet republic of 46 million is more isolated internationally than it has been for years. Apart from being at odds with the United States and the European Union over Tymoshenko, Ukraine does not see eye to eye with Russia which has turned a deaf ear to Kiev's calls for cheaper gas.

At home, the government is also blamed for failing to stamp out corruption and has backed off from painful reforms that could secure much-needed IMF lending to shore up its export-driven economy.

But the Regions, which is bankrolled by the country's wealthy industrialists, should have no difficulty in forming a majority with the Communists who also easily passed the 5 per cent barrier needed for parliamentary representation, according to the exit polls.

But it might now face a tougher time in parliament.

Klitschko, the WBC world heavyweight champion, says his UDAR (Punch) party will team up with the opposition led by Yatsenyuk, a former economy minister, to fight corruption, which they say deters entrepreneurial spirit and foreign investment.

He urged voters on Sunday "vote as your heart tells you".

From her jail in Kharkiv in Ukraine's northeast, Tymoshenko last Thursday issued a statement warning that Yanukovich, who comes up for re-election in 2015, would set up a "dictatorship and never again give up power by peaceful means".

Tymoshenko was jailed for seven years last year for abuse of office relating to a 2009 gas deal with Russia which she made when she was prime minister. The Yanukovich government says the agreement saddled Ukraine with an enormous price for gas supplies.

(Writing by Richard Balmforth; Editing by Olzhas Auyezov)

Source: http://news.yahoo.com/ukraines-ruling-party-leads-parliamentary-election-exit-poll-180500164.html

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St. Charles House Sold in 9 Days With Virtual Staging - FOX ...

St. Charles Home Sold in 9 Days for 98% of List Price

?Leslie, you?re a miracle worker. If only we?d known you when we first tried to sell a year ago. Thank you so, so much?.

When the frustrated seller called me at the end of August her?lovely home at 606 Mockingbird Ct in the Red Gate subdivision had been on the market for nearly a year with two other brokers. I had competitive listings in the area that sold in the past few months and realized that I hadn?t shown or even noticed her house.

A quick look at the online photos showed an odd assortment of fuzzy and off-kilter photos, including one of a toilet and three of the front hall foyer. The photos certainly didn?t do justice to the beautiful light-filled rooms and over 4,000 sf of finished space.

Since we were heading into Fall the pool of buyers was about to rapidly dry up in the subdivisions where people typically get moved in before the start of the school year. I knew we had to draw in as many possible buyers as quickly as possible.

We used?virtual staging?from Obeo?and our VHT?professional photography?to make the house picture perfect for online viewing (see below). When home buyers can see how the space looks with furniture they have an easier time imagining themselves living there. I was so pleased at how the large rooms popped to life online. We provided large prints of each photo in the house so that buyers could remember what drew them into the home.

A perfectly orchestrated?listing syndication?made the listing available to all interested buyers at once. It can take up to a week for the listing to be electronically sent to all of the real estate websites like Zillow.com, Realtor.com and Trulia.com. Since I wanted as many buyers in as quickly as possible, I manually entered the listing on many sites and pushed out a few blog posts.

The extra effort and expense paid off. We had 12 showings in the first week and received two offers. We were under contract 9 days after the listing went live and we closed 25 days later.?

The seller and her family were able to quickly select a home in Florida and see an end to their time in a cramped and uncomfortable rental apartment.

If you would like to know how to?sell a St. Charles home?in a tough market I?d love to tell you more. Please Contact Me or?call (630)945-7935.

Related posts:

  1. Thinking of Renting Your St Charles House That Hasn?t Sold?
  2. Old House New House: Home Improvement in St Charles IL
  3. Staging to Sell in St Charles IL

Source: http://foxvalleyrealestate.net/st-charles-house-sold-in-9-days-with-virtual-staging/

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USAA Provides Tips to Prepare Mobile Devices Now for Hurricane ...


USAA Provides Tips to Prepare Mobile Devices Now for Hurricane Sandy (via NewsLook)

Home and safety preparations for those in Hurricane Sandy?s path should include making smartphones and other mobile devices storm-ready, according to financial services provider USAA. As soon as a hurricane or severe storm becomes a threat, boarding windows and stocking food and water supplies are?

Source: http://themoderatevoice.com/165583/usaa-provides-tips-to-prepare-mobile-devices-now-for-hurricane-sandy/

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Saturday, October 27, 2012

Help us increase traffic for our web site | Internet Marketing | Link ...

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Project Description:

Recently we have built website TradeDirectory.Info , goal of the web is to fill it with relevant information about companies that are in trading business. Information such as telephone numbers, web site addresses, emails etc.
Adding information to the site is free for all users.

In order for site to achieve it's goal we need quality unique traffic from people who are willing to enter information about their business and from people who are looking for that kind of information. That's were we need your help.

Send us your offer what you can do for our site to achieve this goal, to make better google ranking, increase traffic etc.

Only safe proven methods are allowed which do not violate Google policies.

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Source: http://www.freelancer.com/projects/Internet-Marketing-SEO/Help-increase-traffic-for-our.html

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Those in need welcome robot helpers in the house

5 hrs.

Personal robotics companies are making a bet that real-world C-3P0-like machines will be of great help to the world?s aging population who need assistance with routine household tasks. The question is: will they embrace the technology?

Yes, as long as the robots do chores such as wash dishes, do laundry, and take out the trash, according to a new study from the Georgia Institute of Technology. But when it comes to more personal tasks such as bathing, getting dressed and eating, there?s a strong preference for human help.

Human assistance is also preferred for social activities such as calling family and friends and entertaining guests.?

The survey included 29 adults aged 65 to 93 who were showed a video of a robot?s capabilities and then interviewed about their willingness for assistance with 48 household chores. All participants were healthy and independent at the time and nearly 75 percent said they used gadgets such as cell phones.

?There are many misconceptions about older adults having negative attitudes toward robots,? Cory Ann-Marr, who will present the results at the Human Factors Ergonomics Society this week, said in a news release.?

That perception was exploited earlier this year in a political attack ad against Jeffrey Brandes, who is in a battle for state Senate seat in Florida and sponsored a bill while in the Florida House of Representatives that would allow the ?operation of autonomous motor vehicles on public roads? in Florida.

The ad featured an elderly woman?s voice questioning whether driverless car technology is ?really a priority for our state? and includes a sound clip from Brandes saying that he had to ?convince the senate it wasn?t witchcraft.?

Georgia Tech?s survey suggests there?s nuance to when a robot?s help is wanted. It appears to center of the level of physical or intellectual intimacy. For example, the study participants would accept a robot reminder to take their medicine, but want a human to help them decide which pill to take.

In other words, they are happy for the robot to be a sophisticated calendar, but there?s a lack of trust that the artificial intelligence is capable of choosing the correct medication.?

Likewise, these adults are wary of trusting a robot with physically intimate tasks such as taking a bath and getting dressed.?

?The people we interviewed were very enthusiastic and optimistic about robots in their daily lives,? Marr said. ?They were also very particular in their preferences, something that can assist researchers as they determine what to design and introduce in the home.?

Presumably, they won't be in the market for robots that offer?"mind-blowing sex."

John Roach is a contributing writer for NBC News Digital. To learn more about him, check out his website. For more of our Future of Technology series, watch the featured video below.

Source: http://www.nbcnews.com/technology/futureoftech/those-need-welcome-robot-helpers-just-not-bathroom-1C6711972

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Jessica Biel Is Taking Justin Timberlake's Last Name

Ladies and gentlemen, introducing Mr. and Mrs. Justin Timberlake!

Source: http://www.ivillage.com/jessica-biel-going-take-justin-timberlakes-last-name/1-a-496982?dst=iv%3AiVillage%3Ajessica-biel-going-take-justin-timberlakes-last-name-496982

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Friday, October 26, 2012

Distant Suns Astronomy App Celebrates 25th Anniversary With ...

[prMac.com] San Jose, California - First Light Design is celebrating the 25th anniversary of its award-winning Distant Suns astronomy software and apps with a sweepstakes for everyone who enjoys stargazing, or knows someone that does. Originally released for the Commodore Amiga in 1987, Distant Suns has been available on almost every computer platform and operating system. It is one of the longest-lived, continually published, consumer software titles still on the market, bested only by products like Windows, Microsoft Word, and Broderbund's Print Shop.

The Distant Suns 25th Anniversary Sweepstakes offers nearly $1,000 in astronomy related prizes, including a SkyQuest Orion Telescope, a pair of Celelstron Binoculars, three Mars Meteorites, and ten copies of Distant Suns (max) Astronomy App. The contest ends November 4, 2012. To learn more about the sweepstakes, go to the Distant Suns Facebook page.

"I got the idea to create an astronomy program for computer users while working at the NASA Ames Research Center. It started out as a 17 line BASIC program and I've been polishing it up ever since," said Mike Smithwick, Founder and President of First Light Design. "I've enjoyed creating all the various versions of Distant Suns and helping thousands of people enjoy the wonders of the cosmos. I want to celebrate Distant Suns 25th Anniversary with the public by giving away prizes that help people of all ages appreciate the night sky."

A Brief History of Distant Suns Software and Apps:
* 1987 - released for Commodore Amiga under the name "Galileo," soon changed to Distant Suns
* 1990 - Windows 3
* 1995 - Macintosh
* 2008 - iPhone
* 2010 - iPad
* 2012 - Kindle, NOOK, Google Nexus, Samsung Galaxy Tab

Features include:
* View the stars from the Earth or out in the solar system
* Augmented Reality Viewing overlays the sky with the local landscape
* Current stars and solar systems being monitored by the SETI Institute's Allan Telescope Array, as it listens for possible extraterrestrial civilizations (iOS only)
* What's Up? Offers an overview of the evening's sky
* GPS and Compass aware
* NASA's Night Sky Network of local astronomical events (US iOS only)
* Over 300,000 planets, stars, galaxies, nebula and star clusters
* Interactive tour of the solar system
* And much more

For more information on the current product line and supported systems, visit Distant Suns online.

First Light Design, LLC, is a privately owned company. It first released Distant Suns for the Commodore Amiga in 1987, followed by versions for Macintosh and Windows. Recently, Distant Suns has partnered with NASA's Night Sky Network and the Astronomical Society of the Pacific to include local, United States listings of astronomical events and activities in the App. It has also partnered with the SETI Institute to provide real-time monitoring of Allen Telescope Array extraterrestrial targets. First Light Design is a proud member of Moms With Apps, a collaborative group of family-friendly developers with family-friendly apps. Copyright (C) 2012 First Light Design, LLC. All Rights Reserved. Distant Suns is a trademark of First Light Design, Inc. Apple, the Apple logo, iPhone, iPod and iPad are registered trademarks of Apple Inc. in the U.S. and/or other countries. Other trademarks are the property of their respective owners.

###



Source: http://prmac.com/release-id-49736.htm

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Breaking Good? Scientists Want to Crowdfund a Research Meth Lab

An evolutionary pharmacologist and Princeton University research fellow Ethan O. Perlstein is asking for online support to fund a scientific ?meth lab? in order to take a deep dive into how amphetamines affect the human brain.

No, it?s not a strange plot twist of AMC?s hit show Breaking Bad. Perlstein, who earned his doctorate degree from Harvard University, and his collaborator David Sulzer, a professor at Columbia Medical School, started a RocketHub crowdfunding page on October 4 to back a project that could solve a ?long-standing puzzle in mental health research.?

The goal of the project is to find how amphetamines ? including methamphetamines abused by more than 35 million people worldwide ? affect the brain on a cellular level. The researchers believe solving this mystery will lead to more effective personalized treatments for brain diseases and addiction. The team has raised nearly $10,000 of their $25,000 campaign goal with 24 days left on Rockethub.

SEE ALSO: American Gothic Cooked Up ?Breaking Bad? Style [PIC]

In return, Perlstein and Sulzer promise to publish the project?s data on the web. The scientists will post written updates and videos on the project?s homepage.

There will also be frequent meetings online to discuss how to make the research comprehensible for the average reader lacking a heavy science background. Crowdfunded science projects could make research much more open and accessible to the general public, the researchers state.

?Together we can create an open model of scientific research and communication for the Internet age and beyond,? the team expressed in the Rockethub video.

Are you more interested in backing science projects when the researchers promise regular updates about new knowledge along the way? Tell us in the comments.

Illustration courtesy of Ethan O. Perlstein

Source: http://mashable.com/2012/10/25/rockethub-meth-lab/

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Focus On Obesity Prevention In Early ChildhoodYour Health Journal ...

From Family Practice News?..

Early childhood presents one of the most promising opportunities for addressing the problem of obesity, according to Dr. Elsie Taveras.

Not only is interaction with the health care system at its highest from the prenatal period through the second year of life, but early childhood also is a time when healthy choices can be made on behalf of children, she explained at the annual meeting of the Obesity Society.

?This is a time when children are not making autonomous choices in eating and physical activity. ? This is a time when we can get children and families ? but especially children ? on a healthy weight trajectory,? said Dr. Taveras, a pediatrician who is codirector of the obesity prevention program in the department of population medicine at Harvard Medical School, Boston.

Since monitoring at this stage is fairly continuous, healthy practices can be established and risks can be identified early, she added, noting that prevention is much easier than management.

The importance of prevention is underscored by 2007-2008 National Health and Nutrition Examination Survey (NHANES) data showing that 17% of children aged 2-19 years in the United States are obese, with a disproportionate effect on racial and ethnic minorities. As of 2010, obesity affected 14% of non-Hispanic white children, 24% of black children, and 22% of Hispanic children.

?The other thing that?s starting to gain more attention in the national discourse is that the obesity epidemic has not spared even the youngest of the nation?s children. Almost 10% of infants and toddlers have high weight for length, slightly more than 20% of those aged 2-5 years are overweight or obese, and approximately one to five are carrying extra weight when they enter kindergarten,? she said.

Fortunately, quality data exist to help guide efforts to address obesity in these early childhood years, she said.

To read the full story?..Click here

Source: http://www.lensaunders.com/wp/?p=5938

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Thursday, October 25, 2012

Top 10 Vegan Halloween Recipes and Treats | The Vegan Woman


After all the spooky vegan Halloween drinks that Jackie made for you, you must be craving some munchie treats!

We have searched close and far, entered spooky zones, roamed the Halloween web buzz, and found the best Halloween recipes and treats, just for you. So here they are, our top 10 Vegan Halloween recipes and treats. Enjoy!


1. Halloween Pizzas by Vegan Richa

A series of creative vegan pizza recipes in the Halloween spirit, using non-dairy cheese, olives, and sun-dried tomatoes. I?d say the kids would love this one!?

Halloween Pizzas by Vegan Richa. Click on the photo for the full recipe


2.?Peanut Butter Crispy Treat Ghosts by Chocolate Covered Katie

White chocolate, peanut butter, chocolate chips ? you get the drift, right? These crispy, vegan, Halloween Ghosts Treats are not for the faint hearted!?
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Peanut Butter Crispy Treat Ghosts by Chocolate Covered Katie. Click on the photo for the full recipe.

?

3.?Three Ingredient Halloween Apple Bites by Oh She Glows

Who doesn?t love simple, quick, easy to make, ?tasty recipes? These?Halloween Apple Bites?tick all these boxes, plus no spooky hidden ingredients in these 3-ingredient recipe.

Three Ingredient Halloween Apple Bites by Oh She Glows. Click on the photo for the full recipe.

?

4. Carrot Rice Balls ? Mini-Jack O?Lanterns by Apron Strings

These Halloween Carrot Rice Balls with black olives, are quite a healthy options in the sea of vegan Halloween junk. Straight forward and awesomely creative.

Carrot Rice Balls - Mini-Jack O'Lanterns by Apron Strings. Click on the photo for the full recipe.

?

5. Veggie Skeleton

Now here?s another healthy Halloween vegan treat in the form of a skeleton man! We found this one floating around the web with no proper credit, but with lots of warm recommendations to use as a puzzle with the kids prior to eating its body with a nice vegan dip ?face?.

Halloween Veggie Skeleton

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6. Haunted Halloween Layered Cake by Chef Chloe

If all those veggies made you carve something sweet, dark and naughty, then this Haunted Halloween Layered Cake is right up your ally. And if you?re a chocolate person, we should say no more.

Haunted Halloween Layered Cake by Chef Chloe. Click on the photo for the full recipe.

?

7. Severed Fingers by Maple Spice

Talk about spooky foods!! these Halloween Severed Fingers will creep up every kid and adult in sight. Mwahahaha!

Severed Fingers by Maple Spice. Click on the photo for the full recipe.

?

8. Eyeball Pasta by Maple Spice

We just couldn?t resist throwing another creepy recipe from one of our top 5 food blogs, Maple Spice. This Eyeball Pasta is just so original and spooky! Try not to serve it in the dark?

Eyeball Pasta by Maple Spice. Click on the photo for the full recipe.

?

9. Spooky Black Bean Hummus by Fat Free Kitchen

If you are looking for the perfect vegan Halloween party food then this Spooky Black Bean Hummus must be it. Easy and quick to make, and anyone can dip in with some crackers or veg. Yum!

Spooky Black Bean Halloween Hummus by Fat Free Kitchen. Click on the photo for the full recipe.

?

10. Halloween Leggy Whoopie Spiders by Wing it Vegan

It?s not Halloween without creepy crawlers and these Leggy Whoopie Spiders are not only creepy but also gluten and soy free!
We hope you enjoyed our list and have a brilliant Halloween!

Halloween Leggy Whoopie Spiders by Wing it Vegan. Click the photo for the full recipe.

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Related posts:



Source: http://www.theveganwoman.com/top-10-vegan-halloween-recipes-and-treats/

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It's Time

It's Time of The Wallflowers

Being a teenager is hard enough without being an outcast. This is the story of a group of Wallflowers who are trying to find where they belong.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "It's Time"

You may edit this first post as you see fit.

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BleedingLover
Member for 0 years



Can I have girl three? ;D

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Horseygirl
Member for 3 years


Imma make a CP for Wallfolower n?mero dos, in other words #2, if that's alright.

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IAmAlien
Member for 0 years



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