Tuesday, July 31, 2012

What Does the National Flood Insurance Plan Legislation Mean to You

Last month Congress passed, and President Obama signed, the first long-term renewal of the National Flood Insurance Plan.

The focus of the Biggert-Waters Flood Insurance Reform and Modernization Act of 2012 is to reauthorize the National Flood Insurance Plan until September 30, 2017, to achieve reforms that improve the financial stability of the program, and to increase the role of insurance companies in providing flood insurance.

So what does this new legislation mean to you? The Act, with an anticipated implementation date of 1/1/2013, includes measures to:

    • Phase out government rate subsidies for coverage of non-primary residences. This means flood insurance premiums for summer and vacation homes will increase.
    • Raise the cap on annual premium increases from 10-percent to 20-percent, to allow the rate subsidy phase-out to have a more rapid affect on premium.
    • Provide long-term stability for homeowners who purchase flood insurance through NFIP.
    • Update flood insurance rate maps.
    • Impose higher minimum deductibles for flood claims.
    • Develop a repayment plan for debt incurred from Hurricane Katrina.
    • Allow owners of multifamily properties to purchase flood insurance as a commercial client, which increases the amount of coverage available to them.
    • Allow use of ?actuarial rates? for properties built before flood insurance rate maps were published, if they have sustained severe or repetitive losses. This will increase the cost of flood insurance for buildings that have a severe flooding exposure.

The net result of this legislation, as it applies to the average customer, is increased flood insurance premiums. Contact your trusted Gunn-Mowery representative at 800-840-1243 to discuss higher deductible options ? to lessen the effect these higher premiums will have on your wallet.

You can e-mail us at info@gunnmowery. To learn more about Gunn Mowery, become our Facebook fan at Facebook.com/gunnmowery.

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Source: http://gunnmoweryinsurance.wordpress.com/2012/07/31/what-does-the-national-flood-insurance-plan-legislation-mean-to-you/

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Sony backpedals on Android 4.1 upgrade statement, is now 'actively investigating' all Xperia updates

Sony backpedals on Android 41 upgrade statement, is 'actively investigating' updates for 2011 Xperia devices

Let's chalk this one up to something being lost in corporate translation. After a UK company rep issued a statement just days ago confirming the lack of an Android 4.1 upgrade path for certain 2011 Xperia handsets, Sony's delicately backtracking and claiming that public info was made "in error." While this official retraction may soothe previously irate owners' concerns, it's still not an outright commitment to Jelly Bean, as the company's only now pledging to "actively [investigate]... upgrades for all devices" -- a carefully worded PR promise par excellence. To the Japanese electronics giant's credit, it has been pretty transparent and diligent about delivering ICS updates to its elder smartphone progeny, so we have plenty of reason to remain cautiously optimistic Google's newest OS will make the transition, too.

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Sony backpedals on Android 4.1 upgrade statement, is now 'actively investigating' all Xperia updates originally appeared on Engadget on Tue, 31 Jul 2012 18:13:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/07/31/sony-backpedals-on-android-4-1-upgrade-statement-is-now-active/

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PFT: Texans' Johnson out for week with groin injury

Rod Graves, Ken WhisenhuntAP

Fans are naturally more interested in players and coaches than front-office employees.

But in Arizona, the intrigue over the firing of a salary cap administrator creates questions about the direction of the franchise and its leadership.

On its face, getting rid of Justin Casey is a line of agate type, the kind of transaction no one notices. But inside Cardinal headquarters, it has apparently created a bit of a divide.

Kent Somers of the Arizona Republic reports the move was ?deeply felt inside the team?s headquarters in Tempe,? and could hint at a split between General Manager Rod Graves and coach Ken Whisenhunt.

Somers said it would be ?hard to find a Cardinals employee more well-liked by his co-workers? than Casey, and there was no previous sense he was bad at his job.?But he was also close with Whisenhunt, as the two occasionally played golf together.

Was that the reason he was fired, as a power play by Graves?

?That?s ridiculous,? Graves told Somers, when asked about the speculation. ?Ken and I have a wonderful working relationship, and we?re on the same page in respect to improving as an organization, improving as a team and working together.?

Casey himself declined comment to Somers, and Graves didn?t elaborate on why he was replaced. There were other moves made in the front office as well, so perhaps it was part of a larger organizational shift.

Casey was replaced by Sean Castle, a CPA with no NFL experience.

?Our focus is on being a championship organization and becoming a championship team,? Graves said. ?Every year in that quest, I?m evaluating where we are, from a personnel standpoint, and assessing new talent out there.

?What I have been able to do in assessing candidates is really get a feel for the skill sets people have and realize what services they can provide us that we don?t have. And sometimes at the end of that evaluation, you come to the conclusion that you?re better off making changes.?

That?s all well and good, and there could easily be a reason for all this. But when moves like this are made without full explanation, the vacuum quickly fills with conspiracy theories. Whether there?s a Graves-Whisenhunt split or not, the impression does no good for the organization, and barring evidence to the contrary, folks will begin to believe it whether it?s true or not.

Source: http://profootballtalk.nbcsports.com/2012/07/29/andre-johnson-has-mri-on-groin-expects-to-miss-week/related/

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Romney to visit Poland WWII site, meet Lech Walesa (The Arizona Republic)

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Monday, July 30, 2012

GE?s Latest Central Inverter Technology Clears Path for Utilities to Boost Solar Energy Production Worldwide

30 July 2012 GE?s Latest Central Inverter Technology Clears Path for Utilities to Boost Solar Energy Production Worldwide

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  • GE?s ProSolar Inverter Allows BELECTRIC?s New Solar Station in Germany to Efficiently Convert and Deliver Renewable Electricity to Grid
  • ProSolar System Plays Key Role in 1st Solar Power Station Rated at 1,500 Volts

PARIS?July 30, 2012?Marking a new technology milestone in the global effort to increase renewable energy production by driving down overall system costs, GE (NYSE: GE) has deployed the first 1,500-VDC (volts, DC current) open circuit (OC) central inverter for utility scale solar power plants. The inverter will help reduce overall system costs, which is vital to making solar power a more economical alternative to fossil fuel technologies.

Central inverters are key components of photovoltaic (PV) plants. The technology converts DC power produced by solar panels to AC power, which is then fed into the main grid.

GE Energy?s Power Conversion business developed, built and delivered its 1,500-VDC ProSolar central inverter technology to solar power plant system integrator BELECTRIC, the global market leader in terms of installed power. BELECTRIC installed GE?s advanced central inverter at its new solar power plant in southern Germany, utilizing PADCON?s 1500 VDC System Technology.

?GE?s ProSolar central inverter system is designed to help efficiently stabilize the power grid with defined active and reactive power around the clock. This is extremely important when it comes to countering the intermittent availability of solar energy,? said Bernhard Beck, CEO of BELECTRIC.

The 1,500-VDC OC central inverter for BELECTRIC is designed as an outdoor version and offers a number of key benefits. Most notably, it allows operation at high DC voltages on panel level with lower DC currents while increasing the rated power for inverters. This can result in significantly lower costs for the technical DC infrastructure as well as the overall balance of system costs. Since the power of the inverter system is limited mainly by the current, the power can be substantially increased by increasing the operating voltage, and this means additional cost savings.

Due to higher operating DC voltage and higher output with the same size as conventional ProSolar 1,000-VDC OC inverter units, the 1,500-VDC OC solution offers higher power density with the same small footprint that means optimized and flexible site layout. The liquid-cooled and improved power electronic topology ensures high efficiency, especially in partial load operations and is developed in Berlin.

GE Energy?s inverter technology has a long track record of extremely high reliability resulting from the company?s experience in the development of frequency converters for the wind energy, oil and gas as well as metals sectors and other industrial applications.

?Our inverter rated at 1,500 volts is an important breakthrough in efforts to achieve grid parity with photovoltaic systems in certain countries. GE offers customers with technology options to support renewable energy policies and push projects that build long-term energy security using solar energy,? said Georg M?hlenkamp, global product leadership manager for GE Energy Management?s Power Conversion business. ?Reducing the costs of solar electricity generation through continuous innovation forms the basis for GE Energy?s long-term technology development strategy.?

By offering its solar inverter technology as part of its broad portfolio of products and solutions, GE Energy is supporting ongoing energy policy changes in Germany, which plans to increase the share of renewable energies to 35 percent of total power demand by the year 2020. By deploying the ProSolar central solar inverter to help reduce the costs of solar power generation, PV projects will become an increasingly economical alternative to fossil fuel technologies.

GE Energy acquired Power Conversion (then known as Converteam) in September 2011. GE Energy?s Power Conversion business applies the science and systems of power conversion to help drive the electric transformation of the world?s energy infrastructure. Designing and delivering advanced motor, drive and control technologies that evolve today?s industrial processes for a cleaner, more productive future. It serves specialized sectors such as energy, marine, industry and all related services. To learn more, please visit: www.ge-energy.com/electrifyingchange.

About GE

GE (NYSE: GE) works on things that matter. The best people and the best technologies taking on the toughest challenges. Finding solutions in energy, health and home, transportation and finance. Building, powering, moving and curing the world. Not just imagining. Doing. GE works. For more information, visit the company's website at www.ge.com.

GE Energy works connecting people and ideas everywhere to create advanced technologies for powering a cleaner, more productive world. With more than 100,000 employees in over 100 countries, our diverse portfolio of product and service solutions and deep industry expertise help our customers solve their challenges locally. We serve the energy sector with technologies in such areas as natural gas, oil, coal and nuclear energy; wind, solar, biogas and water processing; energy management; and grid modernization. We also offer integrated solutions to serve energy- and water-intensive industries such as mining, metals, marine, petrochemical, food & beverage and unconventional fuels.

Follow GE Energy on Twitter @GE_Energy.

Source: http://www.genewscenter.com/Press-Releases/GE-s-Latest-Central-Inverter-Technology-Clears-Path-for-Utilities-to-Boost-Solar-Energy-Production-Worldwide-3a13.aspx

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Electrical Engineer,Electrician - Benefits of Control Systems











Electrical engineers are responsible for electricity related jobs. An electrician does low level work. Individuals with a formal qualification in electrical engineering are recruited in companies that manufacture control systems, offer instrumentation and automation solutions. A power systems engineer is a specialized electrical engineer who is expert in power systems.

A lighting control system is usually maintained by an electrical engineer. It controls electric lighting and its associated devices. It can be part of both private and public lighting solution. They are utilized for aesthetic, working and security illumination purposes. The term includes interior, exterior and landscape lighting. A lighting control system can be a part of sustainable architecture. It can also be used as component of lighting design for green building programs. This program promotes energy conservation techniques.

The lighting control system made by an electrical engineer comes with an embedded processor. Modern lighting control systems include one or more portable or mounted keypad or touchscreen control interfaces. Mobile phone operation is supported. These controls permit users the ability to remotely toggle power to groups of lights or an individual light. Control systems can operate dimmers and pre-program space lighting levels.

Lighting control systems have major advantages over conventional individual switching. They can control any light or a cluster of lights or all lights in a building from a single user interface device. The control can be in any location. Such control over multiple sources of light results in the creation of complex light scenes. A room may have multiple lighting scenes. Each lighting scene is suitable for different activities that take place in the room. Different lights can create change in the ambient mood. This is made possible by a single press of a button. Lighting control systems are widely used in landscape design in the form of landscape lighting. Control systems also direct motorized gates, water spa heating and fountain pumps to name a few. Benefits of such a technology include reduction in consumption of energy and costs in power by a more efficient use of energy and longer bulb life. The carbon footprint of the civil structure also becomes lower.

An electrical engineer have multiple choices of lighting control systems like chronological time, astronomical time, outdoor or room space occupancy, alarm conditions, events and program logic.

Chronological time is that particular time of day used by pre-set timers. The list of astronomical times include sunrise, sunset, a particular day of week or days in a month or year. Occupancy of the room can be determined with RFID tags or motion detectors and can be a part of energy conservation or security programs. Use of artificial lighting can be reduced by automatically dimming and switching electrical lights in response to daylighting levels. Mobile phones can be used to operate lights.

The electrical engineer can use lighting control systems for architectural lighting purposes like control of lights in a theatre. This includes rehearsal lighting, work lights as well as lobby lighting. Control stations can take the form of LCD touchscreen consoles.

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Sunday, July 29, 2012

Retirement Investing Today: Is the London 2012 Olympics going to ...

The construction for the 2012 Olympic Games is now over.? The less than ?9 billion stumped up by UK taxpayers (?142 for every man, woman and child in the UK) has been spent into the economy and claimed as GDP.? Now it's time to reap the real rewards as the thousands and thousands of visitors from across the globe descend upon London, spend spend spend, put massive pressure on the transport system and generally crowd out the city.? Anyone who lives in the UK and particularly London will have heard the cries to stay away if possible.? If not possible then plan and book journeys well in advance.? With these warnings ringing in my ears it was with much fear and trepidation that I awoke this morning and realised I had to travel into central London.

This is my journey....

After a surprisingly easy Tube journey I alight at Tottenham Court Road and wonder if I am really in one of the countries busiest streets on a Sunday.? I never intended this to become a blog post and so apologise as I only had a cheap camera phone with me to record the day.

?

Mid way between Tottenham Court Road Underground and Oxford Circus on Oxford Street.? No London 2012 tourists or locals on the streets and nobody spending into the economy via HMV.

How about enjoying lunch at the Official "Restaurant" of the Olympic Games?? Very few enjoying a McDonald's lunch. This is Oxford Circus at lunchtime on a Sunday!? There's clearly an Olympics on as you can see one of the Official Automotive Partners vehicles all liveried up in centre shot.? Unfortunately what I don't see is a lot of shopping bags nor a lot of people spending into the economy. Maybe they're all at the flagship Apple Store in Regent Street buying iPads and iPhones.? Nope not here.? Note that everyone in the photo with a blue shirt is an employee. Maybe everyone is shopping at the Official Department Store Provider to London 2012 (whatever that means...).? Nope they're not here either. I'm now wondering what's going on?? Of course, nobody is in Central London as they're all in East London at the Olympic Park.? Time to investigate.? About to head east to Ground Zero. Need an Underground ticket to head to the Olympic Park?? Maybe everyone has already planned and booked journeys well in advance.?

Sitting room only on the Central Line heading east.

One of the main thoroughfares into the Olympics.? This is the northbound Blackwall Tunnel Approach Road which is one of the Olympic Routes.? I'm now less than 1 mile from the stadium and can see the transport chaos that the Olympic Lane (the lane on the right) is causing. ?"2012 Games Avoid Driving Central London".? Advice clearly being followed by all. The taxi drivers won't be spending the extra earnings from all the tourists into the economy.? An Olympic Taxi rank right near one of the smaller entrances.? No queue and taxis lined up to right of shot.? The smaller entrance.? Plenty of open space for all the people to queue before the entrance.? Just that there doesn't seem to be anybody to queue.? With no ticket I could go no further. Downtown Stratford.? Less than 200m from Westfield Stratford and the main Olympic Park entrance.? No people or traffic but a nice BMW Olympic advertisement. Finally found all the Olympic goers.? This is the shopping precinct (Westfield Stratford) that everyone is herded through if they want to enter the Olympic Park through the main entrance.? This is completely self created congestion in an attempt to upsell tat and coffee to the punters before they enter the park. Unfortunately doesn't seem to be working.? Not many bags or coffees in view adding to GDP. Don't worry if you're on the Corporate Entertainment band wagon.? Help is at hand. ?Time to leave.? Stratford bus station.? Plenty of Police but not many punters. On board the number 25 bus.? For a moment I actually thought I was on the wrong bus as this service is usually jammed to the rafters no matter what time of day.

So the GDP for the construction has already been claimed.? Similarly the GDP from ticket sales.? I just hope that those that are actually inside the Olympic Park are drinking plenty of ?4.20 bottles of beer otherwise the portion of GDP from London based services and consumption could be in trouble.? Deeper recession anyone.

As always DYOR.

Source: http://www.retirementinvestingtoday.com/2012/07/is-london-2012-olympics-going-to-drive.html

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Malaysia water "crisis" signals fierce fight for richest state

KUALA LUMPUR (Reuters) - The surprise statement came during a rainy spell and when the seven dams in Malaysia's richest, most populous state were full.

Reserves of treated water in the opposition-controlled state of Selangor were perilously low, said the water company supplying a population of 7 million in the country's main industrial base. It was seeking approval to start immediate rationing.

For many it looked like politics, not water, was behind the problem - a measure of how high tensions are running ahead of national elections that must be called by early next year and which may be the closest in Malaysia's history.

"Of course, it's a political conspiracy," said Teresa Kok, a member of the Selangor state executive council and opposition member of parliament.

The July 14 announcement has set off an ill-tempered battle between the opposition-run state and the federal government that foreshadows an intense election struggle for the crucial swing state that is a base for multinationals including Panasonic Corp and British American Tobacco.

The state leadership says the ruling coalition is using water supplier Syabas to manufacture a water crisis and sow doubts in voters' minds over the opposition's competence.

Syabas, a unit of Puncak Niaga Bhd, has links with the Malaysia's ruling United Malays National Organization (UMNO). Rozali Ismail, the chairman of Puncak Niaga and executive chairman of Syabas, is treasurer for the party's Selangor branch and was dubbed Malaysia's "water king" by Forbes, which ranks him as the country's 37th richest person.

The federal government says the state has jeopardized its water supply by blocking the construction of a 3.8 billion ringgit ($1.2 billion) treatment plant.

"If we can make Malaysia the global centre for IPOs, how can it be that we can't resolve water issues," Prime Minister Najib Razak was quoted as saying this week by The Star newspaper, referring to several big stock debuts in Malaysia this year.

The problem could be resolved, he said, once the people of Selangor "choose a government that can do it."

As Malaysia's traditional engine of growth, the west-coast state was a prized, unprecedented win for the opposition in the last election in 2008, and the most potent symbol of the ruling coalition's worst election performance.

Wresting back the state would help lay to rest doubts about Najib's leadership within his own party and help the coalition rebound nationwide. For the opposition, retaining Selangor is crucial if it is to have any chance of winning a parliamentary majority and forming a government for the first time.

The state has been at the centre of concerns over voter fraud, with the opposition accusing the government of handing out voting rights to thousands of illegal immigrants.

"The stakes are the highest in Selangor. The prime minister really needs to win it back," said Ong Kian Ming, a political analyst and lecturer at Kuala Lumpur's private UCSI university.

TEST OF OPPOSITION COMPETENCE

The perceived performance of the four opposition-controlled states will be a crucial campaign issue as the three-party opposition alliance tries to convince voters it is capable of running the country.

Penang, another opposition-held state, has set an enviable record, attracting the country's highest level of investment in the manufacturing sector for two years running and slashing public debt levels by over 90 percent in three years.

Selangor's record is less spectacular. The state government has been dogged by talk of infighting and Malaysia's ruling coalition is presenting the water issue as exhibit A to show the state is being mismanaged.

"They want to influence the course of the elections. They have a monopoly over water resources and are holding the people to ransom," said opposition MP Tony Pua, adding that uncertainty over water supply was endangering investment in the state.

Syabas' shock warning of water rationing this month prompted indignant state officials to pose for pictures in front of dams brimming with water to show there was no shortage. Syabas hit back with images showing treatment plants at low reserve capacity, bolstering its case for the new plant.

"The responsibility for ensuring that Selangor has enough water treatment plants lies with the Selangor state government," it said in a statement released on Thursday.

Selangor has threatened to take over the water company's operations, a bid that was rejected by the government. The state government remains set on a takeover and is going ahead with plans to sack Rozali, aiming to use its 30 percent stake in Syabas to trigger a vote of no-confidence.

The federal government wants to open tenders for the new plant in a month, but it needs Selangor's permission to proceed.

The state government says the plant would lead to a steep rise in water tariffs and that projections for water consumption and population growth used to justify its construction are too high. Instead, it wants 225 million ringgit from the federal government to upgrade two existing plants and is prepared to add 200-300 million ringgit of its own funds.

Selangor state sources say the level of non-revenue water -- the volume lost before it reaches the customer -- at Syabas is above 33 percent. That measure of efficiency compares with Singapore's 5 percent, Denmark's 6 percent, and even falls short of Bangladesh's 29 percent, they say.

Campaigners against Syabas are urging the company to open its books to show if there really is a shortage.

"Failing to do so would only prove that the water crisis is manufactured," said Charles Santiago, an opposition member of parliament and coordinator of the Coalition Against Water Privatization group.

(Editing by Stuart Grudgings and Jonathan Thatcher)

Source: http://news.yahoo.com/malaysia-water-crisis-signals-fierce-fight-richest-state-054510798--sector.html

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Saturday, July 28, 2012

Instant Payday Loans ? Meet All Critical Payments Right on Moment

This article has been viewed 4 times.

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Source: http://www.article-i.com/computers/accessories/instant-payday-loans-meet-all-critical-payments-right-on-moment-2/

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Reducing Hearing Loss With Help From Your Hearing Center ...


Health and Fitness | General health | * Written by Alfred Ardis | Friday, 27 July 2012 07:06 | Word Count: 532

We have five senses. Imagine the loss of one. Sight, touch, taste, smell and hearing. Well people lose hearing all the time. Hearing is such an important sense. You can listen for cars coming before you cross the road, you can use hearing to relax with your favorite tunes and you might use your sense of hearing for your job. In fact, we all know when we don't hear our children it is not good news. That's what moves you to get up and check out what they are getting into. Some of these things we enjoy can cause hearing loss. You can always make an appointment at the local hearing center. They can evaluate your hearing. Let us take a minute to explore what the human ear can handle.

Relaxing with your MP3 player while you take your morning walk could cause hearing loss. Our ears can only take so much noise. To give you an idea 30dB is a whisper. 50dB is a normal conversation. A crowded restaurant could be as much as 100dB. Your ears should be able to handle this occasionally. When you leave the bar that sense of relief at the crisp night air, and near silence as you talk with your friend to the car is not something your imagining. Your ears are thankful for the break.

During the evening out with your friend your ears may have endured some damage. You may notice that your ears are ringing after your rock concert outing. By the next day your hearing should be normal. Otherwise, you may be suffering a more permanent hearing loss. This would be due to damage to the hair cells in your ears. You might notice this as not hearing so well when there is background noise. For example, not hearing your friend on the phone while the children chat in the same room. Obviously your children screaming, hollering, and jumping on the couch is another issue altogether. Another symptom of loss is tinnitus. Tinnitus is often described as a ringing, buzzing or whistle that only the patient hears. Relief is often hard to find. So how do you prevent this type of loss?

If you work in a job that has a lot of noise like construction, musician, farmer you should wear your earplugs. If you enjoy target practice you should wear earplugs. Limiting your exposure to noise is the first step in prevention. No one is saying that you should skip a night out with a friend, but take a break to step outside. Your ears will appreciate it and you will appreciate the break once you step away from the group. Stop at a local hearing center and get a hearing test. They can tell you what your hearing looks like and if any loss is something you should treat or if you can.

Not every colorado springs, co hearing center is the same. Go to http://www.miracle-ear-coloradosprings.com and find out what services work best for you.

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Heat Safety And Your Dog: Keeping Cool - Free Pets to Good Home

The summer heat can bring with it a whole new set of perils for your pet. Heat related conditions are very real and common in canines. Injury, sickness and death caused by extreme heat are nearly always avoidable. Here are some tips to keep your dog cool and out of harm?s way in the dog days of summer.

Do

Do walk your dog in the evening, or early morning when it?s not too hot and your pet will not suffer with heat related conditions. Your dog will rapidly get dehydrated in the heat and the pavement can get painfully hot on their paws. If you haven?t got any choice but to take your dog out in the heat, do not stay out for long and take frequent stops for water. Stay in the shade as much as possible and pay close attention to your dog for evidence of suffering.

Do maintain regular grooming. Your pet will be much more comfortable and less sensitive to heat related sickness if they?ve a nice cool haircut. If you happen to have a long-haired dog, a long, ungroomed coat can feel just like wearing a parka in the middle of the summer. On the flip-side, be careful not to trim the fur too short or your dog can get sunburnt.

Do be on the look-out for insects, especially those that bite and sting. Many dogs will chase bees and wasps and end up on the business end of a stinger. Keep a first aid kit on hand and supervise as much as possible when outside. Fleas and ticks are particularly present during the summer months so it?s really important to stay current with heartworm shots and flea and tick prevention.

Do Not

Do not leave your dog alone in the car. This is a gigantic no-no and yet each year you hear about more cases of dogs suffering and dying due to this sort of failure. It?s a widely known fact it takes only minutes for your parked car to turn into an oven. Even with the windows cracked it can be exceedingly uncomfortable and even lethal for your pet. It?s best to leave your dog at home in the air-conditioning. If you have to go out without your pet leave them in a cool part of the house. You can use freestanding, custom or extra-wide pet gates to create a penned area or block a wide opening in your house to keep your dog cool.

Don?t let your dog ride in the back of a pick-up truck. This is risky for your pet at any time of the year. A single bump or jolt can send your dog flying, causing injury or death. In the heat of the summer, the sun beating down on your dog, exposed in the back can be lethal. It is never worth the risk.

Pamela Noble writes articles on pet care for BabyAndPetGates.com. You can find more information on pet safety products on the Baby and Pet Gates website.

Source: http://siscer.net/articles/pets/heat-safety-and-your-dog-keeping-cool/

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Friday, July 27, 2012

CWCC ? Interview with Shanghai Business Review on China BPO ...

1. Since the earlier years of this decade, China had been slated to carve increasing market share from India in the BPO sector. How much progress has China made in developing a BPO industry?

When talking about BPO, people first think about India. There is no doubt that India has been and still is the top of mind destination for multinational corporations. The BPO industry in India could date back to the eighties of last century and we have all witnessed the impact it has brought to the economy of India. I think the idea of BPO is a natural product of globalization and information technology revolution, which is what have been happening in China, since it joined the WTO and has been part of the message embedded in the National?s 12th 5 year plan. In our recent research we have noticed the number of BPO companies registered in China has increased 30% in the past two years. However, before saying China is taking the market share from India in the BPO sector, we have to look into the source of business. China?s BPO market is mainly driven by its neighboring regions such as Japan, Korea and Hong Kong, whereas India is most likely to be the outsourcing destination for American and European companies.? In this regard, I?d like to consider India as a knowledge partner for China in the development of the BPO industry. Of course, the financial turbulence centered on Europe in the global economy and the U.S. government?s promise to cut incentives for companies that ship jobs overseas have obviously exerted a direct impact on the shrinkage of the BPO business in India.

2. How have government policies aided the development of China?s BPO industry?

Policy 1: Thousand-Hundred-Ten Project in October 2006

It is actually one of the policies of the eleventh 5-year plan. It chose and supported 10 cities, including Beijing and Shanghai, to primarily develop outsourcing business. It attracts many foreign companies to set up their outsourcing business in these cities as they want to take advantage of the government support there. So, China?s BPO industry began to grow.

Policy 2: The Chinese government implemented Circular 127 which simplified application procedures for foreign investment offshore call center business

Circular 127 states that local governments are given authorization power over the approval of foreign investment outsourcing call centre business. Application procedures become less complex,

Since the implementation of the Thousand-Hundred-Ten Project, China?s BPO industry has been growing very quickly. Simplifying the application procedures is necessary to maintain the efficiency of approving foreign BPO investment.

Policy 3: Exemption of business tax for offshore service outsourcing companies in 21 cities effective from July 1, 2010 till the end of 2013

Cost is one of the major concerns for many companies while operating their business. With the exemption of the business tax, more foreign companies will attempt to invest in China.

3. How does the BPO industry differ from that in India? Eastern Europe? Southeast Asia?

The difference lies in the specialty and the labor cost in each country. In the recent economic climate I expect many companies will have to seek ways to lower their costs and be more effective by shifting their non-core business to BPO service providers. India is the pioneer of BPO and offers a diversity of services from the IT, financial, banking and telecommunication sector, but I?ve heard news about the lack of talent and the increasing labor cost in India in recent years. Philippines is catching up, it has become the largest call center destination in the world. China offers a large scale of labor pool with a relevant low cost, at least for now.

Eastern Europeans are able to speak German, Spanish, Italian and English, which is clearly an advantage compared to other BPO countries.

4. Can you discuss the development of software parks and that impact on BPO in China?

I?m not quite an expert in discussing the development of software parks in China. But I expect the Chinese government will invest more and more resources to support the establishment of software parks in the main BPO cities, which is certainly an infrastructural investment for BPO in China.

5. What are the benefits of setting up BPO structures in China? What infrastructural advantages are available in China?

The obvious benefit is of course you will enjoy a huge pool of labor, especially technicians and engineers. And as I mentioned before, the governmental offers tax preferential treatment to technologically advanced service companies.? As for the infrastructural advantages, we all know that the government is increasing its investment every year on the construction of infrastructures such as transportation and communication.

6. Which industries have been expanding into BPO in China?

Customers care such as call center. I heard that over 70 % of the outsourcing jobs income comes from the call center business.

7. What are the particular disadvantages to setting up BPO in China for foreign firms?

China is still at its early stage of developing a BPO market. First of all, China lacks of human talent with skills that is up to the international standard. English deficiency is one of the challenges, which affects the quality of services. Without the English skill, it is almost impossible for a person to obtain international exposure and knowledge in business processes, management and customer service.

Another disadvantage is that China has just implemented rules on security and intellectual property rights, they are assumed to have a relatively weak protection and this causes problems when dealing with products / services outsourced to China.Hence the foreign companies need to obtain an understanding of the Chinese law and government policies associated with the foreign business activities before deciding to outsource their products to China. But I?d suggest, and it is the way many foreign companies are doing, that they should consider hiring a local business advisory firm that help them to understand the local market, rules and regulations.

CWCC has 26 years of experience in this regard.

8. How can foreign firms (MNCs and SMEs) located in China take advantage of BPO in China to maximize their productivity and cut costs?

China offers a large scale of human labor. BPO for manufacturing process has been a hot topic. But China is gradually shifting away from its low-wage and labor-intensive industry. Companies who provide high-value-added services are highly encouraged. China is aiming at producing human talents with professional skills, at a much larger scale.

For foreign companies who wish to target the Chinese market, outsourcing part of its non-core business such as HR management, accounting and customer service to a local firm is certainly an efficient approach in both economic terms and cultural terms. Take our firm as an example, in CWCC I manage a business unit called ?Latin Desk? which is currently assisting Latin American and Spanish companies to set up operations in China and support them in performing bookkeeping, preparing audit report, payroll and payment services. In fact, many of our clients are located in Shanghai and we provide them with our expertise to allow them solely concentrating on their core business. Not only is this efficient and effective, outsourcing business to a local company may help foreign companies to control the risk due to the lack of understanding of the Chinese culture and regulations, which seems forever changing.

9. Will China?s BPO industry become increasingly important to domestically located companies seeking to streamline operations and cut costs?

Skeptical. China?s labor cost is still relevantly low. There is not much obvious advantage perceived by the domestic companies between hiring a BPO service provider and hiring staff to do the work in-house.

Source: http://www.cwcclatindesk.com/cwcc-interview-with-shanghai-business-review-on-china-bpo-and-outsourcing/?utm_source=rss&utm_medium=rss&utm_campaign=cwcc-interview-with-shanghai-business-review-on-china-bpo-and-outsourcing

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Enjoy Leisure Time in padded metal folding chairs a Relax











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You can feel that you are sitting in a luxurious chair, when you are using this very special folding chair. Even you may be interested in working with your computer and for this purpose; you can use this chair. Once your job is over, you can use your space for other purposes, including for sleeping. Your affordable padded metal folding chairs are available in your authorized furniture dealers and you can buy them without spending huge money, since you may be buying them with discounts, also with free shipping.

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Video: Knowledge about voter ID law low as Nov. nears

Circumcision advocate tackles the cringe factor

It?s an idea that can make a grown man cringe, and no one knows better than Angelo Kaggwa. But Kaggwa finally got circumcised last year and immediately reduced his risk of HIV infection dramatically. Now, he wants everyone to know: It?s not so bad.

Source: http://www.msnbc.msn.com/id/3036697/vp/48344762#48344762

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Thursday, July 26, 2012

Lobster mini-season kicks off in Florida ? Outdoors - News and ...

If you notice some of your co-workers ? or your boss ? missing from the job Wednesday, they might be celebrating Florida?s biggest unofficial holiday: lobster mini-season.

The two-day recreational sport diving season opens at 12:01 a.m. Wednesday and continues through midnight Thursday statewide. Thousands of scuba divers and snorkelers are trying to catch a limit of 12 lobsters per person per day everywhere but the Keys and Biscayne National Park, where the limit is six.

Officers with the Florida Fish and Wildlife Conservation Commission and other marine law-enforcement units are patrolling the waterways in boats ? both marked and unmarked ? and in vehicles at boat ramps and marinas to make sure hunters obey lobster and boating safety regulations.

Officers will take extra care to enforce divers-down flag rules. Divers and snorkelers must tow the red-and-white flags while they are in the water. Boats that deploy divers must display a flag at least 20 inches by 24 inches, with a stiffener to keep it unfurled, and it must be visible from all directions. Divers are required to stay within 300 feet of their boat?s divers-down flag in open water, and within 100 feet in inlets and channels. When moving from spot to spot, boaters must take down the flag.

Lobster hunters must have a valid Florida recreational saltwater fishing license and lobster permit. Their catch must measure greater than three inches on the carapace (head) and be measured in the water. Spearing and taking egg-bearing females are prohibited.

The regular lobster harvest season for commercial and recreational trappers and divers will open Aug. 6 and run through March 31.

Embedded Link

Lobster mini-season kicks off in Florida ? Outdoors ? MiamiHerald.com

Source: http://www.tondan.com/2012/07/lobster-mini-season-kicks-off-in-florida-outdoors/?utm_source=rss&utm_medium=rss&utm_campaign=lobster-mini-season-kicks-off-in-florida-outdoors

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Video: Negative advertising dominates election season

Circumcision advocate tackles the cringe factor

It?s an idea that can make a grown man cringe, and no one knows better than Angelo Kaggwa. But Kaggwa finally got circumcised last year and immediately reduced his risk of HIV infection dramatically. Now, he wants everyone to know: It?s not so bad.

Source: http://www.msnbc.msn.com/id/3036697/vp/48345024#48345024

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Reflexive Modernity and the Art of Public Communication | Doing ...

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Source: http://doingmodernity.blogspot.com/2012/07/reflexive-modernity-and-art-of-public.html

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User:EdmundsonVelez789 - Penguins Lair

From Penguins Lair

(Difference between revisions)


????? - When it comes to matters from the heart, nothing may be stronger than the usual love tarot reading. Consulting the Tarot during troubled times can help you will get clarity about what's happening inside your relationship. Visiting terms using the possibility your relationship may not be training could be a painful process.

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????? -Everybody wants to know who will be his / her soul mate. Thus its advised that people should follow caution when choosing the individual because it will mean deciding on a partner for a lifetime. This makes love tarot reading essential for one's life.

Source: http://wiki.penguinslair.org/index.php?title=User:EdmundsonVelez789&diff=207053&oldid=prev

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MI Titanium Offering Cash Donations for Volunteer Groups ? Team ...

Roxane Kruserkruse
I have evolved from a high school sprinter and high jumper, to a collegiate heptathlete, to beach volleyball player, to a 5K racer, to a recreational mountain biker, to a competitive off-road triathlete. I threw in one 25K Riverbank Run and a half marathon on Mackinac Island, hardly believing that 10 years prior, I hated running as far as 800 meters. So where does that leave me now? My focus for this season will remain XTERRA off-road triathlons, but I plan to do some trail runs and mountain bike races late summer and into the fall. For my day job I work for BISSELL as the financial analyst for the international and new business teams. And to support my bike habit, I recently became certified as a USA Triathlon Level I Coach, and began coaching with an excellent team of coaches through Athletic Mentors.

Source: http://www.teampriorityhealth.com/2012/07/mi-titanium-offering-cash-donations-for-volunteer-groups/

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Wednesday, July 25, 2012

Introducing the 2012 Sea Princesses! ? Maine Lobster Festival ...

The Coronation of the Maine Sea Goddess is one of the highlights at the Maine Lobster Festival. ?Eighteen young women from the local midcoast area vie for the Sea Goddess crown, scholarships, and prizes. The Maine Sea Goddess represents the Maine Lobster Festival, the lobster industry, and Rockland, Maine for the year with appearances at other events and associations throughout New England. ?This year?s Sea Princesses competing for the crown are:

Brighde Curtin of Rockland is a 2012 graduate of Oceanside High School. She is the daughter of Laurie Curtin. Her school activities included Varsity Soccer, One Acts, Fall Musical, Key Club and Drama Club. Her hobbies are theater, reading, sports and community service. She is employed at the Bricks Restaurant of Rockland. Her future plans are to attend the University of Southern Maine for theater and a theater-teaching degree. Brighde?s sponsors are The Embroidery Shop, Planet Toys, Bricks Restaurant, Marge Grinnell, Michael Curtin of Rockland, and FV-Moonrise of Spruce Head.

Kaitlen Allese Cutchens of Rockland is a 2012 graduate of Oceanside High School. She is the daughter of Daniel Wayne Cutchens, and Karla Sue and Kenneth Lee Johnson. Her school activities included Talent Show, Plays and Chorus. Her hobbies are community service, singing, working and spending time with family and friends. She is employed by PenBay Medical Center. Her future plans are going to Empire Beauty School. Kaitlen?s sponsors are Airwaves Inc., James Caven and Time Out Pub.

Alexandra Dienesch-Calamari of Owls Head is a 2012 graduate of Oceanside High School. She is the daughter of George Calamari and Karen Dienesch-Calamari. Her school activities include soccer, cheerleading, honors chorus, Key Club, News Team, National Honor Society and theater.Her hobbies are camping, singing, reading and sculpture. Her future plans are to attend Stetson University and pursue a career in dentistry. Alex?s sponsor is O?Hara Corporation of Rockland.

Christina Ashley Feener of Northport is a 2012 graduate of Belfast Area High School. She is the daughter of Frank and Elaine Feener. Her future plans are nursing. Christina?s sponsors are Feener?s Tractor Service and Knight Marine Service.

Rachel Lynne Freeman of Owls Head is a 2012 graduate of Oceanside High School. She is the daughter of Scott and Diana Freeman. Her school activities included Field Hockey, Tennis, Project Graduation, Diversity Club, Yearbook, etc. Her hobbies are field hockey and tennis. Her future plans are to attend Husson University in the fall. Rachel?s sponsors are Cushing Diesel, employees of JBI of Owls Head, and N. S. Giles of Bangor.

Annie Nicole Gagn? of Rockland is a 2012 graduate of Oceanside High School. She is the daughter of Sherry Gagn? of Rockland and Patrick Gagn? of Augusta. Her school activities included National Honor Society and Yearbook Committee. Community services included Youthlinks Program, Junior Executive Board for the Hospitality House, Pen Bay Healthcare Events Volunteer and Animal Shelter Volunteer. She is employed by Clan MacLaren. Her future plans are to attend the University of Maine in Orono in the fall. Annie?s sponsors are PDQ ? Prints Done Quickly, Barry Manor Inn, and FMC Corp. (all of Rockland), as well as Brooks Trap Mill of Thomaston and F/V Deduction of Wheeler?s Bay, St. George.

Emma Mason of Owls Head is a 2012 graduate of Oceanside High School. She is the daughter of Rodney and Anna Mason. Her school activities included In and Outdoor Track, Math Team, National Honor Society, Soccer and Tiger Outreach. Her hobbies are photography, reading, running, cooking, camping, scrapbooking, volunteering, traveling, canoeing, gardening, making sea-glass jewelry, and spending time with friends and family. Her future plans are to attend the University of Maine in Orono majoring in bioengineering with a minor in pre-med. Then wants to go to medical school and become a pediatric oncologist. Emma?s sponsor is Ship to Shore Lobster Company in Owls Head.

Ashley McNeilly of Owls Head is a 2012 graduate of Oceanside High School. She is the daughter of Marc and Launa McNeilly. Her school activities included softball and Big Brothers Big Sisters. Her hobbies are lobstering, softball, piano and guitar. Her future plans are to complete her education, get financially secure and buy a house. Ashley?s sponsors are F/V Ole Jude out of Owls Head and Dead River Company of Bangor.

Shani Marie Morris of Camden is a 2012 graduate of Camden Hills Regional High School. She is the daughter of Theresa Withee and Charles Weidman. Her school activities included Independent Study, Student Teaching, Field Hockey and Clay. She loves field hockey, clay, spending time with her family and friends, skiing, baking, teaching and going on walks. Her future plans are to attend the University of Maine in Orono majoring in elementary education to become a first-grade teacher. Shani?s sponsors are Graffam Bros., Seafood Market of Rockport, Beggar?s Wharf and Black Bros. Builders Inc. of Rockland.

Megan Elaine Peabody of Rockport is a 2012 graduate of Camden Hills Regional High School. She is the daughter of Kimberlee Graffam and Leni Gronros, and Gary and Kim Peabody. Her school activities included Wrestling, School Musicals, Chamber Singers and International Club. Megan spent 11 months in Peru as a Rotary Youth Exchange student. Her hobbies are dancing, photography, travel, spending time with family and Interact Club. Megan?s sponsor is Graffam Bros. and Harborside Restaurant in Camden.

Amy Proulx of South Thomaston is a 2012 graduate of Oceanside High School. She is the daughter of Debby and Peter Ames and the late John Proulx. Her school activities included Yearbook, One Act Drama Competitions, Musicals and Tennis. Her hobbies are reading, photography, and spending time with friends and family. Her future plans are to attend Thomas College for a bachelor?s degree in criminal justice. Amy?s sponsors are F/V Traditions, F/V Daily Double, F/V Twilight, the Keag Store and Jess?s Market.

Kyla-Rae Robinson of Rockland is a 2012 graduate of Oceanside High School. She is the daughter of Scott Robinson and Tracy Thompson. Her school activities included Work-study Program volunteering with Youthlinks Leadership Program, Knox County Humane Society Monthly Dish (helping the homeless), Downeast Dog News, Tiger Pals, Knox Center for Long Term Care and Toboggan Competition (came in third place, high-school level). Her hobbies include arts and crafts, four-wheeling, camping, spending time with family, and working with the elderly, young children and animals. She is employed at Hannaford in Rockland. Her future plans are to attend school to become a dog groomer and own her own business like her family. Kyla-Rae?s sponsors are Fuller Chevrolet and GMC and Robinson?s Waste Service of Rockland.

Jessica Ruppert of Waldoboro is a 2012 graduate of Homeschooling. She is the daughter of Trisha Demers and John Ruppert. Her hobbies are volunteering, kayaking, reading, hiking, and spending time with family and friends. Her future plans are to attend the University of Southern Maine to get a bachelor?s degree in social and behavioral sciences. Jessica?s sponsors are Dad?s Place in Friendship and Jeaga Systems of Brunswick.

Ciara Renee Smalley of Thomaston is a 2012 graduate of Oceanside High School. She is the daughter of Brian and JeanAnn Smalley. Her school activities included Field Hockey. Her hobbies are field hockey, photography and reading. Her future plans are to attend Husson University and earn a master?s degree in occupational therapy. Ciara?s sponsors are Harold C. Ralph, MaryAnn and Larry Olson, and Brian Perry, all of Waldoboro; Lyman Morse Boat Builders; Thomaston Boat & Engine Works Inc.; Thomaston Grocery; Athens Mediterranean Pizzeria; McDonald?s; and Nicole Janczura and Brian and Jean Smalley, all of Thomaston.

Rose Marie Smith of Cushing is a 2012 graduate of Oceanside High School. She is the daughter of Michael and Rhonda Smith. Her school activities included Skills USA Maine, basketball, and soccer. Her hobbies are cooking, volunteering, fishing, shopping, traveling, camping and walking the beach for sea glass. She is employed at Linda Bean?s Maine Lobster. Her future plans are to pursue a career as a nurse at Southern Maine Community College. Rose?s sponsors are Kinney Rentals, Stubby?s Auto of Thomaston and JC Penney of Rockland.

Crystal Gail Tyndall of South Thomaston is a 2012 graduate of Oceanside High School. She is the daughter of Tonya Bess and Tyson Tyndall. Her school activities included Varsity Field Hockey and Life Skills Peer Helper. Her hobbies are paint, field hockey and athletic activities. Her plans are to attend the University of Maine in Augusta and receive her bachelor?s degree. Crystal?s sponsors are Brooks Trap Mill, Myrtle Street Tavern, Auto Master, J&J Lobster and Garden Island Tanning.

Chelsea Upham of Waldoboro is a 2012 is a graduate of Medomak Valley High School. She is the daughter of Al and Deb Upham. Her hobby is drawing. She is employed at Lie-Nielsen Toolworks, Inc. Her future plan is to attend the University College at Rockland. Chelsea?s sponsors are Lie-Nielsen Tooworks of Warren, Bequ Chemin Preservation Farm, Creamer Fishing, Prock, Medomak River Community Market, and Shelley?s Flowers & Gifts (all of Waldoboro), as well as Redlon & Johnson and Bar Harbor Bank & Trust of Rockland.

Amanda Rose Walker of Camden is a 2012 graduate of Camden Hills Regional High School. She is the daughter of Ken and Sonia Walker. Her school activities included Mid-Coast Interact Club, Peers, Empty Bowl, Yearbook Club, and more. Amanda was also voted 2012 Prom Queen. Her hobbies include photography, jewelry making, baking, music, painting and traveling. She is employed at Earthborn Gifts in Camden and is vice president of The Meals and Dreams Foundation; a non-profit organization that helps impoverished Brazilian teens and families. Her future plan is to attend the University of Tampa in Florida to study international business. Amanda?s sponsor is Luce Transportation of Hope.

Source: http://bangordailynews.com/link/introducing-the-2012-sea-princesses/

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Tuesday, July 24, 2012

Santa Monica hotel faces discrimination lawsuit | Legal Shield | Pre ...

from Los Angeles Times

http://www.latimes.com/news/local/la-me-shangri-la-lawsuit-20120723,0,868164.story

Simon W. Johnson

swj@swjlawoffice.comLaw Office of Simon W. JohnsonMartindale, Avvo, Justia, LawGuruLinkedIn, Twitter, FacebookServing Cleveland and Ohio, 44124

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This entry was posted in Lawyer Blogs, Legal Advice from Lawyers and tagged Discrimination by John J. Sheehan. Bookmark the permalink.

Source: http://safeguardfreedom.com/blog/?p=6881

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Daily Kos: Small businesses do just fine with high taxes on wealthy

Well, lookie here. It turns out, according to this Center on Budget and Policy Priorities analysis, based on a Treasury Department study, those engines of job creation did just fine when taxes were high on the nation's wealthiest. It all depends, the report says, on how you define "small business," and the definition used by Republicans is so broad "that under it, both President Obama and Governor Romney would count as small business owners ? as would 237 of the nation?s 400 wealthiest people."
Charges that any tax increases on people making over $1 million a year, such as Senator Sheldon Whitehouse?s proposal to implement the ?Buffett Rule,? would inflict injury on many small businesses rest on the same misleading definition of small businesses

Contrary to these claims, an extension of the high-income Bush tax cuts would, in essence, constitute a massive tax cut for very wealthy individuals who overwhelmingly aren?t small business operators. ?Analysis by the Urban Institute-Brookings Tax Policy Center finds that extending the tax cuts for people over $250,000 of income ($200,000 for single filers) would overwhelmingly benefit the highest-income taxpayers: ?82 percent of the value of the tax cut would flow to filers with more than $1 million in adjusted gross income, who would get an average tax cut of $164,000 a piece.

There's also actual recent history to prove that higher taxes on the wealthy don't retard business growth, at all. That would be the job creation record under Clinton's higher tax rates in comparison to business growth after the Bush tax cuts. That comparison is clear in the chart above. To make this absolutely clear, real small businesses generated jobs more than twice as effectively under the Clinton tax code than under Bush's.

Guess what else is good about letting the tax cuts for income over $250,000 expire? It's what the people want. They see it as both helpful to the economy, and to make the tax system more fair. All of which means the Senate Democrats have to stand firm on their threat to let the tax cuts expire.

Originally posted to Joan McCarter on Mon Jul 23, 2012 at 08:01 AM PDT.

Also republished by Daily Kos.

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Source: http://www.dailykos.com/story/2012/07/23/1112812/-Small-businesses-do-just-fine-with-high-taxes-on-nbsp-wealthy

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