Many homeowners who suffered losses because of flooding from Hurricane Sandy are likely to find themselves out of luck. Standard homeowners policies don't cover flooding damage, and the vast majority of homeowners don't have flood insurance.
Yet it's likely that many Northeasterners will purchase it in coming months, hoping they'll be covered the next time around, at a cost averaging around $600 a year.
That's what happened after Hurricane Irene triggered flooding across 13 Eastern states in August 2011. An annual survey by the insurance industry found that flood coverage in the Northeast rose to 14 percent of homeowners in May from 5 percent before Irene hit.
The head of the industry's Insurance Information Institute attributes the jump to Irene, which hit many inland areas where flooding is historically uncommon.
"Nothing sells flood insurance like a flood," says Robert Hartwig, the organization's president. "There will be many people in parts of the Northeast this week who will be very happy that they spent a few hundred dollars to buy flood insurance this year."
Nearly all flood coverage is purchased through the government's National Flood Insurance Program. Homeowners, renters and business owners in participating communities are eligible to purchase federally backed policies, typically through private insurers that market the coverage. Information is available at . www.FloodSmart.gov
Policies typically cost around $600 a year, but can start as low as $129 in low-risk areas, according to the Federal Emergency Management Agency, which administers the program. The average claim paid last year was more than $28,000. Coverage is provided for up to $250,000 for the home itself, and $100,000 for possessions.
Homeowners who don't live in participating communities can buy private flood insurance, typically through so-called "excess coverage" to a homeowners policy.
To be sure, even with the expanded coverage, the vast majority of Northeasterners responding to the latest industry survey do not have a flood policy. That means if they suffer flood-related damages from Sandy, they will likely have to foot the bill. That's because typical homeowners and renters policies don't cover flooding. It's also common for homeowners who don't live in high-risk locations, such as coastal areas and inland flood zones, to go without coverage.
For those facing high risks, "Irene really was a warning shot to many people in the Northeast," Hartwig says.
Although most homes are unlikely to ever be damaged by flooding, nearly 20 percent of flood claims come from areas considered to be at moderate to low risk for flooding, according to the National Flood Insurance Program. In high-risk zones, flood insurance is required to get a mortgage from federally regulated or insured lenders. "High risk" areas are those deemed to face a 26 percent chance of flooding at some point during the term of a 30-year mortgage ? a roughly 1 percent chance of flooding in a given year.
It's unclear whether flood-related losses from Hurricane Sandy will surpass the nearly $1.3 billion paid out through the federal flood insurance program after Hurricane Irene. Flood claims came in from an area stretching from North Carolina to Vermont, with an average payout of $29,236. In terms of total flood losses, Irene was the fourth-costliest hurricane in the U.S., after Katrina in 2005, Ike in 2008 and Ivan in 2004.
Whether water damage is covered by a homeowners policy depends on how it came about. Standard policies cover structural and water damage only in limited circumstances ? for example, when a falling tree knocks a hole in a roof or breaks a window, allowing rain to fall inside. But homeowners are generally not covered for damages to the home or personal belongings when damage results from rising water. That includes water that seeps up from saturated ground through a basement floor, and storm surges that flood homes near the coastline. Sandy triggered surges along much of the East Coast.
Nationwide, 13 percent of homeowners have flood insurance according to the industry's latest annual survey. That marks a decline from 14 percent a year ago. The expansion in coverage in the Northeast was offset by declining coverage in the Midwest, which fell to 6 percent from 13 percent; and in the West, which dropped to 6 percent from 12 percent. The highest regional coverage rate was in the South, at 21 percent.
So far this year, the number of major floods has been below-average. Through September, the federal government had declared 15 major flood disasters, compared with 53 in all of 2011.
An innovative creative person is sought for a tenure-track faculty position as a reference librarian, reporting to the Dean of Libraries and Instructional Services. Our library embraces the challenge of providing information services beyond our physical space and we seek a librarian with enthusiasm to become a part of this effort. As part of a dynamic library team, this person will provide instruction at the reference desk, in the classroom and in an online environment. This position is also the contact person for electronic resources, assumes collection development responsibilities and performs outreach to faculty, staff and students. As a faculty member, the person will also be expected to represent the division in College governance and committees. CLC provides library services at its Grayslake, Southlake and Lakeshore campuses.
Required Qualifications: 1. Master's Degree in Library Science from an ALA accredited graduate school.
2. Demonstrated excellent teaching, presentation and communication skills.
Desired Qualifications: 1. Experience
managing/coordinating electronic resources. 2. Strong background in library technologies. 3. Experience using a course management
system. 4. Experience in a community college setting.
Closing Date: 01-04-2013
Special Instructions to Applicants:
Please Note: Applicants are required to attach two (2) letters of recommendation by the deadline date.
This is a full-time
tenure track, faculty position. Salary placement is commensurate with education and experience. The minimum 2013 - 2014 nine-month base
salary ranges from $44,725 with a master's degree to $58,176 with a doctorate in the subject field. Optional contract for the summer session
offers potential for significantly greater earnings. Because health insurance participation is mandatory for new faculty and health
insurance premiums are deducted from the base salary, each new faculty member receives a flexible compensation allowance of $5,700 per
academic year in addition to the base salary. This amount is intended to defray the cost of single medical insurance coverage. Faculty may
be assigned to campuses other than Grayslake.
This position will begin in the Fall Semester of 2013.
A 15 minute teaching
demonstration is required; details will be given to candidates selected for interviews.
Pay Rate: Per faculty contract.
Full-Time/Part-Time: Full-Time
Location: Multiple Campuses
Hours Per Week: 35
Work Schedule:
Varies by semester.
Required Applicant Documents: Cover Letter Curriculum Vitae Unofficial Transcript 1 Unofficial
Transcript 2
Optional Applicant Documents: Other Document Unofficial Transcript 3
A study in The Journal of Cell Biology shows how a transcription factor called STAT3 remains in the axon of nerve cells to help prevent neurodegeneration. The findings could pave the way for future drug therapies to slow nerve damage in patients with neurodegenerative diseases.
In Lou Gehrig's Disease (ALS) and other neurodegenerative diseases, nerve cells usually die in stages, with axons deteriorating first and the cells themselves perishing later. Axon degeneration may represent a turning point for patients, after which so much nerve damage has accumulated that treatments won't work. Researchers have tested several proteins for their ability to save axons. One of these molecules, CNTF, rescues axons in rodents and extends their lives. But it caused severe side effects in patients during clinical trials. "Acting on the same pathway but farther downstream could be an ideal way to improve the situation for motor neuron disease" and possibly for other neurodegenerative diseases, says senior author Michael Sendtner from the University of Wuerzburg in Germany.
To discover how CNTF works, Sendtner and his colleagues studied mice with a mutation that mimics ALS. The researchers found that CNTF not only prevented shrinkage of the rodents' motor neurons, it also reduced the number of swellings along the axon that are markers of degeneration. It is known that CNTF indirectly turns on the transcription factor STAT3, so the researchers wanted to determine if STAT3 is behind CNTF's protective powers. They tested whether CNTF helps motor neurons that lack STAT3 and discovered that, in the mutant mice, axons lacking STAT3 were half as long as those from a control group after CNTF treatment
Once it has been activated, STAT3 typically travels to the nucleus of the neuron to switch on genes. But the researchers were surprised to find that most of the axonal STAT3 did not move to the nucleus and instead had a local effect in the axon. Specifically, the team found that activated STAT3 inhibited stathmin, a protein that normally destabilizes microtubules. When the team removed stathmin in motor neurons from the mutant mice, the axons grew at the same rate as axons from normal mice but didn't elongate any faster after doses of CNTF. These results indicate that CNTF mainly stimulates axon growth by thwarting stathmin and suggests that drugs to block stathmin could slow neuron breakdown in patients with neurodegenerative diseases.
###
Selvaraj, B.T., et al. 2012. J. Cell Biol. doi:10.1083/jcb.201203109
Rockefeller University Press: http://www.rupress.org/
Thanks to Rockefeller University Press for this article.
This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.
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(Reuters) - The last employment report before the U.S. presidential election is likely to have something for everyone - for those bullish and bearish on the economy and for Barack Obama and Mitt Romney.
Non-farm payrolls in October are forecast to have risen 124,000, barely more than September's 114,000 gain, according to 78 economists polled by Reuters. The unemployment rate probably edged back up to 7.9 percent after falling to 7.8 percent from 8.1 percent last month. The figures are due on Friday.
On the face of it, that would reinforce the charge leveled by Romney, a Republican, that the policies of his Democratic opponent are to blame for the slowest post-recession recovery since the war.
The proportion of America's working-age population that is employed has fallen to 58.7 percent from 60.6 percent when the Democrat took office in January 2009.
But Obama can counter that nearly 800,000 more Americans are in work today than when he became president and that five million jobs have been created since the December 2009 trough, according to the Bureau for Labor Statistics.
In many respects, the job statistics are likely to paint the same blurred picture as Friday's report showing the economy expanded at a 2.0 percent rate in the third quarter: things are improving, but at a frustratingly slow pace.
"For this reason the labor market is currently neither weak enough to do serious damage to Obama's re-election chances nor strong enough to give him a boost," said Bernd Weidensteiner, an economist with Commerzbank in Frankfurt.
Opinion polls show the November 6 election is too close to call.
FISCAL CLIFF
Douglas Roberts, an economist with Standard Life Investments in Edinburgh, said a weaker-than-expected jobs report would not make him too concerned about the U.S. economy. Housing in particular was rebounding smartly, albeit from a low base.
But any softness would underline the urgency of eliminating policy uncertainty that is causing businessmen to sit on their hands, not least the prospect of tax increases and spending cuts that will kick in next year in the absence of a long-term agreement to cut America's budget deficit.
"Investment and recruitment are being held back until companies have a much better idea of the economic environment they're going to be looking at after the election and the ?fiscal cliff' negotiations are through," Roberts said. "So I don't think the payroll numbers will tell you an awful lot."
The other data highlight of the week is the monthly survey by the Institute for Supply Management, which is closely watched in Asia as a pointer to export and production trends.
Economists polled by Reuters expect the ISM index to be unchanged at 51.5.
David Lubin at Citigroup said there was a "decent relationship" between the ISM survey and the export orders component of China's official purchasing managers' index, which is expected to creep higher. Both reports are due on Thursday.
Signs of stabilization in recent Chinese data, including credit growth and rising imports, were a cause for qualified optimism about the prospects in some other Asian economies, Lubin said in a report.
"But there is no systematic evidence that the revival in Chinese import demand is generating positive spillovers in a large number of countries," he added.
BANK OF JAPAN TO STEP UP
That is definitely the case in Japan, whose firms have scaled back sales, output and investment in China after the recent flare-up of a territorial dispute over islets in the East China sea led to violent protests across China and a partial boycott of Japanese goods.
With the economy also on the ropes because of the strong yen, the Bank of Japan is widely expected to deliver more monetary stimulus when it meets on Tuesday to prevent the world's third-largest economy from relapsing into recession.
Recession already has a firm grip on swathes of the euro zone, hit by a debt and banking crisis that is being exacerbated by austerity measures to reduce yawning budget deficits.
Data on Wednesday will probably show that the unemployment rate for the 17 countries using the single currency rose to a record high of 11.5 percent in September from 11.4 percent in August.
In Spain, which on Friday reported a jobless rate of 25 percent, the economy is likely to have shrunk by 0.4 percent in the third quarter, just as it did in the second quarter. Madrid releases the report on Tuesday.
ANCHORAGE, Alaska (AP) ? Emergency sirens sounded around Hawaii late Saturday warning about an oncoming tsunami, after a powerful earthquake struck off the coast of Canada.
Even as emergency officials urged people along Hawaii's coasts to move to higher ground, officials in North America downgraded a tsunami warning to an advisory for southern Alaska and British Columbia. They also issued an advisory for areas of northern California and southern Oregon.
A small tsunami created by the magnitude 7.7 quake was barely noticeable in Craig, Alaska, where the first wave or surge was recorded Saturday night.
The wave or surge was recorded at 4 inches, much smaller than forecast, said Jeremy Zidek, a spokesman for the Alaska Department of Homeland Security and Emergency Management.
The U.S. Geological Survey said the 7.7-magnitude earthquake hit in the Queen Charlotte Islands area, followed by a 5.8-magnitude aftershock several minutes later. The quake was felt in Craig and other southeast Alaska communities, but Zidek said there were no immediate reports of damage.
The West Coast and Alaska Tsunami Warning Center issued a warning for coastal areas of southeast Alaska, down the western Canadian coast to the tip of Vancouver Island.
Later Saturday evening, the warning for those areas was downgraded to an advisory, while a warning was issued for Hawaii.
Officials said a tsunami wave could hit the islands by 10:30 p.m. Saturday (1:30 a.m. PDT).
Local television stations in Hawaii were running live news updates and warning tourists to check with hotels.
At first, officials said the islands weren't in any danger of a tsunami, but they later issued a warning, saying there had been a change in sea readings.
In addition, officials issued an advisory for areas from Gualala Point, Calif., about 80 miles northwest of San Francisco, to the Douglas-Lane county line in Oregon, about 10 miles southwest of Florence.
A tsunami warning means an area is likely to be hit by a wave, while an advisory means there may be strong currents, but that widespread inundation is not expected to occur.
The U.S. Coast Guard in Alaska said it was warning warn everyone with a boat on the water to prepare for a potential tsunami.
The first wave hit Craig about two hours after the earthquake.
"It started off where it might be a 3-foot wave, and it kept getting downgraded," Craig Mayor Dennis Watson said. "And the last time we heard, it was less than 1 foot."
It actually was recorded at 4 inches. Watson said he was downtown on the waterfront, and had his car lights shining on pylons.
"I didn't even see the surge. I watched the pylons. And the tides came in about four or five inches. The surge would leave a wet spot as it would go back out, and we never did see that," he said.
There could be subsequent waves in Craig, but an official with the tsunami warning center didn't think it would amount to much.
The first wave "typically is not the largest but nevertheless we don't expect the maximum wave height to be large," said Bill Knight.
The state Department of Homeland Security and Emergency Management activated its emergency operations center and notified officials in southeast Alaska communities.
Lt. Bernard Auth of the Juneau Command Center said the Coast Guard was also working with local authorities to alert people in coastal towns to take precautions.
Lucy Jones, a USGS seismologist, said the earthquake likely would not generate a large tsunami.
"This isn't that big of an earthquake on tsunami scales," she said. "The really big tsunamis are usually up in the high 8s and 9s."
She said the earthquake occurred along a "fairly long" fault ? "a plate 200 kilometers long" in a subduction zone, where one plate slips underneath another. Such quakes lift the sea floor and tend to cause tsunamis, she said.
In Craig, officials implement an emergency plan, and took fire trucks, ambulances and heavy equipment to higher ground.
"If nothing else it was a good exercise in determining how well our disaster plan works. I thought it came off quite well, really," he said.
Watson said he did receive calls from townspeople about the tsunami.
"There's supposed to be a big Halloween party downtown. People are calling, 'Did the wave hit yet so we can go to the party?'" he said.
___
AP reporter Chris Weber in Los Angeles and Oskar Garcia in Honolulu contributed to this report.
This movie is sick and fucked up. ?I mean seriously. ?I knew it was going to be a slasher, and with a pregnant woman in the cast, I figured it would probably be pretty grueling whatever happened, but I didn't expect THIS. ?The movie "Inside" is another movie with a pregnant woman and a lot of grueling bloodshed, but the killer in this movie makes the psycho in "Inside" look like captain of the Sane Parade. ?Holy crap this movie was MESSED UP.
This movie starts off with a pregnant woman running through the woods begging someone to stop, then she falls, then we cut to an earlier time when she's in some kind of prayer meeting/Lamaze?class with a bunch of her hippie looking neighbors. ?Turns out she's recently converted to some kind of earthy religion and lives in a semi-commune and plans to have a home birth. ?I know a few people who've had home births so this?didn't?seem all that out of the ordinary to me, but the other people in her "commune" set off my squick bells pretty?early?on and I figured they might play a part in?whatever?scary stuff happened later on. ?I actually suspected everyone onscreen, even the pregnant woman herself, as it quickly turns out that she's summoned some of her closest friends later that day to her home to have a baby shower that turns out to be a ruse set up for her to confront them about a secret they are keeping from her. ?Since this all takes place out in the boonies there's no cell reception, so as the group gets separated by a big fight, one by one bad things start happening to them and soon it's clear that someone wants to punish this group of friends for their sins.
This movie is pretty violent, and for me to say that it must be pretty bad, since I watch a lot of violent movies and this one had me cringing. ?It's just so NUTS, the explanation behind the killings and what's going on is so out there. ?I did appreciate that everyone is a pretty good actor here, and once the carnage starts, the women don't shrink away from violence and run into the woods and break their high heel and go down flailing, they actually fight back and things get pretty bloody. ?One scene even got me because I thought one thing was going to happen (and I was pretty pissed at how insulting it was) and then it turned around into something else entirely different from what I expected, and I was proud of the chick who pulled a fast one even on me. ?Good thinking, sister. ?Of course the characters are kind of unlikable, but that doesn't mean I wanted them to be tortured and killed, so I could still root for them to make it. ?The movie is weird and incoherent at times, but it's a bloody and violent and exciting ride, so I enjoyed it.
CAPE CANAVERAL, Fla. (AP) ? An unmanned Dragon freighter carrying a stash of precious medical samples from the International Space Station parachuted into the Pacific Ocean on Sunday, completing the first official shipment under a billion-dollar contract with NASA.
The California-based SpaceX company successfully guided the Dragon down from orbit to a splashdown a few hundred miles off the Baja California coast.
"This historic mission signifies the restoration of America's ability to deliver and return critical space station cargo," Elon Musk, the billionaire founder and head of SpaceX, said in a statement.
NASA Administrator Charles Bolden praised the "American ingenuity" that made the endeavor possible.
Several hours earlier, astronauts aboard the International Space Station used a giant robot arm to release the commercial cargo ship 255 miles up. SpaceX provided updates of the journey back to Earth via Twitter.
The supply ship brought back nearly 2,000 pounds of science experiments and old station equipment. Perhaps the most eagerly awaited cargo is nearly 500 frozen samples of blood and urine collected by station astronauts over the past year.
The Dragon is the only delivery ship capable of returning items, now that NASA's shuttles are retired to museums. Atlantis made the last shuttle haul to and from the station in July 2011.
SpaceX ? more formally Space Exploration Technologies Corp. ? launched the capsule three weeks ago from Cape Canaveral, full of groceries, clothes and other station supplies. Ice cream as well as fresh apples were especially appreciated by the station residents, now back up to a full crew of six.
It's the second Dragon to return from the orbiting lab; the first mission in May was a flight demo. This flight is the first of 12 deliveries under a $1.6 billion contract with NASA.
"It was nice while she was on board," space station commander Sunita Williams said as the Dragon backed away. "We tamed her, took her home and, literally and figuratively, there's a piece of us on that spacecraft going home to Earth."
She added to the SpaceX flight controllers in Hawthorne, Calif.: "Congratulations Hawthorne and thank you for her."
The Dragon will be retrieved from the Pacific and loaded onto a 100-foot boat that will haul it to Los Angeles. From there, it will be transported to McGregor, Texas.
The medical samples will be removed as quickly as possible, and turned over to NASA within 48 hours of splashdown, according to SpaceX. Everything else will wait for unloading in McGregor.
A Russian supply ship, meanwhile, is set to blast off this week. It burns up upon descent, however, at mission's end. So do the cargo vessels provided by Europe and Japan.
SpaceX is working to transform its Dragon cargo craft into vessels that American astronauts could fly in another four or five years. Until SpaceX or another U.S. company is able to provide rides, NASA astronauts must rely on Russian rockets to get to and from the space station.
___
Associated Press writer Christopher Weber in Los Angeles contributed to this story.
WASHINGTON (Reuters) - As President Barack Obama and Republican Mitt Romney scramble to come out ahead in the November 6 election, two other men are preparing for a legal showdown that could begin the next day.
They are the lawyers who have been tapped by the Obama and Romney teams to navigate any legal challenges to voting procedures or results in a tight contest that could dredge up memories of the disputed 2000 election that was settled by the U.S. Supreme Court.
Leading Romney's team is Benjamin Ginsberg, chief legal counsel for George W. Bush's presidential campaigns in 2000 and 2004.
Obama has turned to Robert Bauer, a past White House counsel who has spoken out against Republican-led efforts to alter voting laws in states including Ohio, a politically divided state that could determine who wins the November 6 election.
Already, Ginsberg and Bauer have been quiet players in the 2012 campaign.
This fall, the duo negotiated the terms of the three presidential debates and the one between Vice President Joe Biden and Republican vice presidential nominee Paul Ryan. The agreement dealt with the details of the debates, such as the format of each event.
Before the Republican convention in Tampa, Florida, in late August, Ginsberg led the Romney campaign's efforts to wrest greater control over the party's rules, angering some Republican activists who saw the move as a power grab by Romney's team.
Ginsberg and Bauer, who did not respond to requests for comment, have been engaged in the same type of election legal adventures so frequently that Joe Allbaugh, Republican George W. Bush's campaign manager in 2000, teasingly calls them the "Bobbsey Twins," after the children's book characters.
For decades, Ginsberg and Bauer have given partisan legal advice for campaigns, recounts and election court battles.
"The truth is, there are very few lawyers who work in this area," Ginsberg told The New York Times in 2004.
Bauer has shown he is willing to enter the political fray.
This summer, he crossed swords with Republican strategist Karl Rove, claiming that American Crossroads, a conservative advocacy group co-founded by the former Bush adviser, was illegally colluding with Romney's campaign.
Under the U.S. tax code the non-profit arm of American Crossroads, known as Crossroads GPS, can raise and spend unlimited funds as a "social welfare" organization without disclosing its donors, as long as it advocates for positions on issues and does not directly support a candidate.
In June, Rove told Fox News the Crossroads group was not doing anything illegal and Bauer's criticism was "not going to change us in one way, shape or form from doing exactly what we're entitled to do under the law."
CHAOS AHEAD?
With Obama and Romney in a virtual dead heat in the polls, the state-by-state race for president has a range of chaotic possibilities.
The mostly likely scenario is that there will be a clear winner on election night, or the next morning. But the closeness of the race raises the possibility of a range of less conclusive, more confusing scenarios.
Among them: a disputed result in a state because of voting delays, problems with ballots or vote counting.
A contested election would send Bauer and Ginsberg - and law firms across the nation - rushing to courtrooms to question the validity of votes or any other irregularities that might have tipped the scales in a state's voting results.
The close finish to the 2012 race comes after a campaign season dominated by legal wrangling, including fights over laws that require voters to produce photo identification and change early-voting periods. Democrats have succeeded in getting many of the voting restrictions tossed aside.
LESSONS FROM 2000
Ginsberg and Bauer were both schooled in the acrimonious legal battle 12 years ago in Florida over votes cast for Bush and Democrat Al Gore, then the vice president.
The Florida dispute ended a month after the 2000 election, when the U.S. Supreme Court halted a recount and Bush was declared the winner in the state by 537 votes, out of about 6 million cast.
For campaigns, it offered some key lessons. First and foremost: Because most election disputes are guided at least initially by state law, it's crucial to lock up top law firms and attorneys in the state where a dispute occurs.
"We really weren't ready for the level of dispute in 2000," said Democratic strategist Tad Devine, a veteran of the Gore campaign, who has worked with Bauer. "We had a lawyer in every state, but we hadn't gone out and found the best lawyers in the country to represent our cause."
Veterans of the Bush campaign recall Ginsberg's steadiness in the hours after election night in 2000, when the lawyer arrived in Tallahassee, Florida's capital city.
"There was no panic in his face," Allbaugh recalled. "There was no panic in his voice."
'MOST POWERFUL, LEAST FAMOUS'
In 2004, Ginsberg came under criticism from Democrats for his double duty as general counsel to Bush's campaign and adviser to Swift Boat Veterans for Truth, an independent group that aired commercials criticizing the military record of Democratic nominee John Kerry.
Ginsberg resigned from the campaign.
Today he is a partner in the Washington law and lobbying firm Patton Boggs, where The New Republic last year ranked him among "Washington's Most Powerful, Least Famous People."
Bauer was an adviser to House and Senate Democrats during the impeachment trial of Democratic President Bill Clinton in 1998. He has been an adviser in Obama's 2008 campaign and was a White House counsel for Obama in 2010 and 2011.
His wife, Anita Dunn, is a former communications director for Obama's White House and is now a senior campaign adviser.
READY FOR RECOUNT
Bauer has led the Obama campaign's efforts to turn back new voting restrictions passed by Republican-led legislatures.
In July, the campaign sued the state of Ohio for ending early voting the weekend before the November 6 election.
Democrats said the law could have excluded many working-class voters who take advantage of early voting periods because they can't make it to the polls on Election Day.
Such voters tend to vote for Democrats, who have accused Republicans of trying to suppress the vote through new election laws in more than 20 states.
Ohio's Supreme Court recently struck down the law.
In a memo co-authored with deputy campaign manager Stephanie Cutter last week, Bauer said new voting laws - including those that require voters to show photo identification - will have a minimal impact on the November 6 election.
The memo concluded that Obama's campaign and its allies have successfully used the courts and public opinion to reverse Republican attempts to restrict access to voting. The memo's implied message: The legal battle in this election is underway, and we are winning.
A Romney campaign official, who declined to discuss specifics of the Republican's legal strategy, said the campaign is prepared, too: "We have all the resources and infrastructure we need for any potential dispute or recount."
San Francisco Giants' Hunter Pence steals second as Detroit Tigers' Jhonny Peralta takes the throw during the second inning of Game 3 of baseball's World Series Saturday, Oct. 27, 2012, in Detroit. (AP Photo/Patrick Semansky)
San Francisco Giants' Hunter Pence steals second as Detroit Tigers' Jhonny Peralta takes the throw during the second inning of Game 3 of baseball's World Series Saturday, Oct. 27, 2012, in Detroit. (AP Photo/Patrick Semansky)
San Francisco Giants' Gregor Blanco hits an RBI triple during the second inning of Game 3 of baseball's World Series against the Detroit Tigers Saturday, Oct. 27, 2012, in Detroit. (AP Photo/Charlie Riedel)
San Francisco Giants starting pitcher Ryan Vogelsong throws during the second inning of Game 3 of baseball's World Series against the Detroit Tigers Saturday, Oct. 27, 2012, in Detroit. (AP Photo/Paul Sancya )
The San Francisco Giants and Detroit Tigers line up for the national anthem before Game 3 of baseball's World Series Saturday, Oct. 27, 2012, in Detroit. (AP Photo/Paul Sancya )
Detroit Tigers third baseman Miguel Cabrera poses with Frank Robinson, left, and Major League Baseball Commissioner Bud Selig as he receives Triple Crown award at a news conference before Game 3 of baseball's World Series between the Detroit Tigers and the San Francisco Giants Saturday, Oct. 27, 2012, in Detroit. (AP Photo/Paul Sancya )
Pablo Sandoval decided sometime long ago that he was going to swing at the first pitch of his second at-bat.
Anibal Sanchez's delivery was way inside and it bounced ? and Sandoval still swung and missed. Sandoval swung at a couple more pitches that were in the dirt before gounding out.
Buster Posey fouled out on a 3-0 pitch and Sanchez, who looks much better than he did in the second inning, worked a perfect third. Marco Scutaro began the inning by getting called out on strikes.
___
Anibal Sanchez back to mound for third inning. He headed straight toward the clubhouse after the top of the second and Rick Porcello was warming in the bullpen for Detroit.
___
Here they go again. The Giants are taking advantage of every opportunity.
Hunter Pence drew a four-pitch walk from Sanchez to start the second inning. Pence stole second as Brandon Belt struck out and went to third on a wild pitch ? a high fastball that tailed way off target and glanced off catcher Alex Avila's mitt.
With the count full, Gregor Blanco drove an off-speed pitch off the base of the wall in cavernous right-center for an easy triple that put San Francisco ahead.
The Giants are 8-1 when scoring first this postseason.
With two outs, Brandon Crawford lined an RBI single that fell just in front of speedy center fielder Austin Jackson.
In that situation ? two outs, a runner on third and the No. 9 hitter at the plate ? Jackson needs to be playing shallow enough that hardly anything can drop in front of him. A ball that gets over his head equals the same amount of runs as a ball that falls in front of him.
___
Sanchez is suddenly all over the place and the crowd is awfully quiet at Comerica Park, which was rocking during the ALCS sweep of the Yankees.
Several Giants players are bundled up on the bench but pitcher Ryan Vogelsong didn't even have a jacket on.
___
Once again, Prince Fielder fails to come through for the Tigers.
With two runners on in the bottom of the first inning, the meaty slugger grounded into an inning-ending double play.
Giants first baseman Brandon Belt made a nice pick of a wide and low throw from shortstop Brandon Crawford, barely keeping his foot on the bag it appeared.
Fielder is 0 for 5 with runners on base in the World Series. He began the night hitting just .205 with a homer and three RBIs this postseason.
Game 3 is scoreless heading to the second inning. Both starters appear to be throwing pretty well.
___
Triple Crown winner Miguel Cabrera and Giants catcher Buster Posey are the winners of the 2012 Hank Aaron Award, given to the top offensive player in each league.
The award was created in 1999 and this is the first time that the two recipients are facing each other in the World Series.
Cabrera and Posey received their awards before Game 3 in a ceremony attended by Aaron and Commissioner Bud Selig.
In addition to that news conference, Selig and Hall of Fame slugger Frank Robinson, a Triple Crown winner in 1966, presented Cabrera with the Triple Crown Award.
___
The World Series has shifted to Detroit, and we're ready to go for Game 3.
It might be a little difficult to tear yourself away from all this entertaining college football on TV, but there's a big baseball game on tap.
The San Francisco Giants can take a commanding 3-0 lead with a win tonight at chilly Comerica Park, where the temperature is in the mid-40s and the Tigers have been tough to beat all season.
Detroit went 50-31 at home this year and 4-0 during the AL playoffs.
Zooey Deschanel just sang the national anthem and we're a few minutes from first pitch.
Ryan Vogelsong pitches for the Giants. He was 2-0 with a 1.42 ERA in three playoff starts, including a pair of impressive wins during the NL championship series against St. Louis. A late bloomer, Vogelsong bounced around the globe before blossoming into an All-Star in San Francisco.
Anibal Sanchez, acquired from Miami in July, is on the mound for Detroit.
The internet is full of thousands upon thousands of awe-inspiring design portfolios. To enable you to stand out in this tough market, it's important to make your online portfolio as impressive as you can.
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It's not just the examples of work that need to blow away your potential clients (although they do help) it's the way that they're presented. You don't have to be a superstar web designer; a touch of creativity and innvoative thinking will get you a long way. And there are plenty of free online tools, such as Behance, to help you build a portfolio without any coding knowledge.
So, check out these 20 inspiring examples of online design portfolios to help you angle your own in just the right way...
01. Paul Currah
The design portfolio of Paul Currah
Paul Currah is an award-winning multi-disciplinary graphic designer, delivering creative, innovative and engaging solutions to communication problems across brand identity, print, packaging, environmental, and digital.
His portfolio is a clean and simple offering, with each project photo fading in and out, showcasing different aspects of the creation.
02. Smart!
The online portfolio of Smart!
Smart! are a multidisciplinary team of professionals in graphic design, communication and information technology that have two offices in Buenos Aires and Per?.
Their online portfolio has a simple structure, with the grey turning to full colour once you hover over each project. We love that the selected images from each project are presented in a horizontal line.
03. Olly Gibbs
The online portfolio of Olly Gibbs
Olly is a London based, multi-disciplined designer and illustrator who has already worked with the likes of Warner Bros, Muse, and The Salvation Army. It's the attention to detail within his portfolio that really makes it stand out.
The sense of fun immediately showcases Olly's personality, whilst the typography and lay-out makes it work aestheically. We especially love the 'About' section.
04. Viget
The online portfolio of design agency Viget
Working as a team of 58 creative individuals, Viget have got some impressive projects under their belt. Set up by brothers Brian Williams and Andy Rankin and their Dad, Wynne 'Pop' Williams, Viget Labs was established back in 1999 when the internet was changing.
The portfolio showcases just how important photography and user experience is within this industry. They're able to showcase their work in a stunning fashion that allows potential clients to really get a feel for the agency.
05. Super Awesome
The online portfolio of web design agency Super Awesome
With a name like Super Awesome, you'd expect this web design agency's portfolio to be pretty, well, awesome. And it's safe to say that it most certainly is!
Making sites not suck since 2007, the layout of each project allows the user to gain an insight into each aspect of the web page. We love that the site isn't afraid to produce statements such as 'portfolios are boring' and 'we don't do meetings'. Bold, super awesome stuff.
06. Small Studio
The online portfolio of Small Studio
Small Studio is an award winning creative agency, founded in Melbourne in 2007 by directors Paul Kotz and Todd Proctor. Describing themselves as 'design adventurers', this online portfolio is an adventure for any user.
The horizontal scrolling already enables the portfolio to stand out from the rest, with each section of the site within easy reach. It also looks pretty great on a tablet!
07. Laureano Endeiza
The online portfolio of Laureano Endeiza
Laureano is based in San Luis, Argentina and has been working as a web designer for almost a decade. Although his portfolio is pretty simple, it's the brilliant illustrated wire and circuits that make all the difference.
Each wire connects to a different project, which shows off Laureano's hard work. The wire connecting to the sites also coincides with each project's colours, which works as a perfect finish.
08. Kendra Schaefer
The online portfolio of Kendra Schaefer
As soon as you stumble upon Kendra's site, you're immediately presented with this image and we love it! There's nothing better than showing off your personality and sense of humour.
Not only is it great photography; the colours, typography, and statement, "This is how I feel when I'm not making the internet. Luckily, I make websites for a living", will instantly etch Kendra in your memory.
09. Cast Iron Studio
The online portfolio of Cast Iron Studio
With a name like 'Cast Iron Studio', you're going to need a pretty vintage looking portfolio. Thankfully, this design studio do just that but with some creative flair.
Using the simple grid structure, the site oozes class with the use of traditional, vintage-looking typography and complimentary colours.
10. DJNR
The online portfolio of DJNR
This is an online portfolio that really stands out from the crowd. DJNR crafted this highly interactive site, which includes a gif of a working day that coincides with the bar running at the bottom of the page.
There's also music and a highly eye-catching colour scheme. You can browse through all the projects on one page, which includes development, games, animation and design. It was even a FWA site of the day!
11. I'm Tawn
The design portfolio of Ashleigh Downer
In a world of quick clickers and impatient scrollers, it's important to instantly grab the attention of your potential clients. Too much text on the homepage could scare away the curious, so it's a good idea to intice them with an image. Here, Ashleigh Downer does just that with a quirky landing page before showcasing her incredible collections. Remember, you want to make your visitors click and you can't help but do just that with this portfolio.
12. Gareth Strange
The design portfolio of Gareth Strange
The phenomenon of Pinterest has meant a huge rise in Pinterest-style layouts. Whilst some may grit their teeth at the sight of yet another 'copy-cat', graphic designer Gareth Strange manages to make this one his own. The homepage directly focuses on his illustrations, with the colours nicely complimenting each other. The visitor is able to immediately gauge Gareth's design approach, which certainly makes for a successful portfolio.
13. Emil Olsson
The design portfolio of Emil Olsson
When you first stumble onto Emil Olsson's portfolio, it may not seem the most impressive of sites. However, once you start scrolling - and we all love a good scroll - it quickly becomes sleek, stylish and highly original. Today, more and more of us are visiting websites via our smartphones and tablets, so it only a matter of time before designers showcased their examples of work on the little gadgets... on their websites. We think it works extremely well but what are your thoughts?
14. Steven Bonner
The design portfolio of Steven Bonner
Steven Bonner is a bonafide illustrator, whose work deserves to be splashed across any screen. Thankfully his online portfolio - designed by Mike Sullivan and David Cole does just that. Laid out in a lovely Pinterest-ish fashion, you're able to hover over each image to gain insight into the brief and Steven's original ideas. It's a fantastic addition to the design that enables the user to really get to know Steven's style. You can also change the lay out with a simple click of a button if the array of images is a bit too much for you.
15. Ion Drimba Filho
The design portfolio of Ion Drimba Filho
Now this is certainly a new take on the online portfolio. If you're able to use Flash for your portfolio it's always impressive and this example from designer and developer Ion Drimba Filho is seriously cool. It's an interactive, revolving cube! You can hover over each image to highlight the example and click on it to read more about the project. Allowing your user to interact with your work is always a bonus and this one works perfectly. Very nice work indeed (and it helps that Ion is a web developer!).
16. Jesse Willmon
The design portfolio of Jesse Willmon
This playful portfolio comes from designer Jesse Willmon. As soon as you arrive on the homepage, the site alludes an instant sense of fun whilst still managing the showcase the examples of work in an innovative way. Its cute approach allows the visitor to feel welcome, with its chatty tone, felt-tip font and colourful icons. It only gets better once you click on the links as the style continues throughout.?
17. Odd Web Things
The design portfolio of Peter Godek
Odd Web Things certainly lives up to its name by portraying its portfolio in a somewhat unusual way. Instead of images, web designer Peter Godek showcases his portfolio using numbers - with an image appearing every time you hover over one of them. Once you click on an image, the right to left scrolling continues with the example in full. The site is easy to navigate, fun and fresh.
18. Seymour Powell
The design portfolio of Seymour Powell
You can enter this site in both HTML and Flash, which allows the visitor to see the portfolio in any way they choose. We were curious enough to check out the Flash version and boy, is it awesome! Firstly, you're presented with a stack of business cards entitled 'Seymour Powell in seven clicks'. What ensues is pretty self-explanatory but it's one of the most original portfolio presentations we've ever witnessed.
19 Lounge Lizard
The design portfolio of Lounge Lizard
Website design and marketing agency Lounge Lizard have been making waves on the design circuit for almost 15 years. Describing themselves as 'brandtenders', this bar-themed portfolio is the perfect execution of their work and style. It gets even better once you click the 'Games' or 'Mobile Apps' icons, with the examples portrayed on an iPad you have to turn on yourself and another you have to feed money to. A truely impressive, highly interactive portfolio.
20. Trademark
The design portfolio of Tim Lahan
New York based graphic designer and artist Tim Lahan presents his portfolio in a simple yet stunning way. The important logo and information stays firmly at the top of your screen as you scroll through his colourful examples of work. The drawings and designs are also perfectly laid out to really show them off; with no framing or barriers to distract the visitor or alter the work's effect. Sometimes, simplicity really is the key.
Liked this? Then read these!
Have you seen any awesome design portfolios? Or maybe you'd like to share yours? Let us know in the comments box below!
What is the objective of lowering your price to try and get more sales?
Anyone can get more business if they lower their price. It doesn?t take a rocket scientist to figure that one out.
Here?s the question you have to ask: What is the objective of lowering your price?
Too many times companies lower their price all for the sake of building the business, but all they wind up doing is attracting customers who don?t appreciate or value the full price.
These customers are many times driven solely by price; therefore, if they had to pay full price to receive what it is you?re selling, they wouldn?t do it.
Sure, you may have moved inventory and you may have created cash-flow, but at what cost to you and your company?
I?d say the cost is high, because it tells every other customer who did pay full-price that they paid too much.
Second, it begins to get you thinking that maybe the reduced the price is the right price you should be at.
Third, customers who are attracted to you on price will leave you as soon as you increase your price.
Wow! Those three things are a great way to kill a business. ?Remind me again why discounting your price makes sense?
The biggest issue of all is customers who are attracted to you because of your lower price tend to be needy customers.? These are the ones who, because they don?t understand value, will harp and bug you over and over again the entire time they?re doing business with you.
These customers many times wind up taking valuable time away from not only you, but also other people in the company as they nag and pester on everything.
My suggestion to avoid all this nonsense?
Build your sales proposition around your full-price.
Instead of pouring resources into discounting your price, do things that help people understand your price/value relationship.?? Finally, be sure to remember that many times the best sale you?ll ever make is the one you never get.? What I mean by this is sometimes a sale you could make at a lower price will wind up costing you far more than you ever imagined.
You tell me: ?Is your price attracting the customers you want?
Copyright 2012, Mark Hunter ?The Sales Hunter.? Sales Motivation Blog.
Posted on: 3:55 pm, October 25, 2012, by Melissa Moon, updated on: 05:52pm, October 25, 2012
(Memphis) Neighbors in the Fox Meadows area helped rescue an elderly couple trapped inside their burning home this morning.
The fire broke out at around midnight in the 3000 block of Basswood.
Two different neighbors noticed the house was on fire, broke out the front window of the home and pulled the woman and her husband to safety.
Larry Redwood doesn?t consider himself a hero.
He said he was just doing the right thing, ?If you see someone who needs help you help them. I mean, if society was more like that we?d be in a much better world right now.?
Fire officials said the fire was electrical in nature and started in a utility room.
SCHENECTADY, N.Y. (AP) ? It's scratchy, lasts only 78 seconds and features the world's first recorded blooper.
The modern masses can now listen to what experts say is the oldest playable recording of an American voice and the first-ever capturing of a musical performance, thanks to digital advances that allowed the sound to be transferred from flimsy tinfoil to computer.
The recording was originally made on a Thomas Edison-invented phonograph in St. Louis in 1878.
At a time when music lovers can carry thousands of digital songs on a player the size of a pack of gum, Edison's tinfoil playback seems prehistoric. But that dinosaur opens a key window into the development of recorded sound.
"In the history of recorded sound that's still playable, this is about as far back as we can go," said John Schneiter, a trustee at the Museum of Innovation and Science, where it will be played Thursday night in the city where Edison helped found the General Electric Co.
The recording opens with a 23-second cornet solo of an unidentified song, followed by a man's voice reciting "Mary Had a Little Lamb" and "Old Mother Hubbard." The man laughs at two spots during the recording, including at the end, when he recites the wrong words in the second nursery rhyme.
"Look at me; I don't know the song," he says.
When the recording is played using modern technology during a presentation Thursday at a nearby theater, it likely will be the first time it has been played at a public event since it was created during an Edison phonograph demonstration held June 22, 1878, in St. Louis, museum officials said.
The recording was made on a sheet of tinfoil, 5 inches wide by 15 inches long, placed on the cylinder of the phonograph Edison invented in 1877 and began selling the following year.
A hand crank turned the cylinder under a stylus that would move up and down over the foil, recording the sound waves created by the operator's voice. The stylus would eventually tear the foil after just a few playbacks, and the person demonstrating the technology would typically tear up the tinfoil and hand the pieces out as souvenirs, according to museum curator Chris Hunter.
Popping noises heard on this recording are likely from scars left from where the foil was folded up for more than a century.
"Realistically, once you played it a couple of times, the stylus would tear through it and destroy it," he said.
Only a handful of the tinfoil recording sheets are known to known to survive, and of those, only two are playable: the Schenectady museum's and an 1880 recording owned by The Henry Ford museum in Michigan.
Hunter said he was able to determine just this week that the man's voice on the museum's 1878 tinfoil recording is believed to be that of Thomas Mason, a St. Louis newspaper political writer who also went by the pen name I.X. Peck.
Edison company records show that one of his newly invented tinfoil phonographs, serial No. 8, was sold to Mason for $95.50 in April 1878, and a search of old newspapers revealed a listing for a public phonograph program being offered by Peck on June 22, 1878, in St. Louis, the curator said.
A woman's voice says the words "Old Mother Hubbard," but her identity remains a mystery, he said. Three weeks after making the recording, Mason died of sunstroke, Hunter said.
A Connecticut woman donated the tinfoil to the Schenectady museum in 1978 for an exhibit on the 100th anniversary of the founding of the Edison company that later merged with another to form GE. The woman's father had been an antiques dealer in the Midwest and counted the item among his favorites, Hunter said.
In July, Hunter brought the Edison tinfoil recording to California's Berkeley Lab, where researchers such as Carl Haber have had success in recent years restoring some of the earliest audio recordings.
Haber's projects include recovering a snippet of a folk song recorded a capella in 1860 on paper by Edouard-Leon Scott de Martinville, a French printer credited with inventing the earliest known sound recording device.
Haber and his team used optical scanning technology to replicate the action of the phonograph's stylus, reading the grooves in the foil and creating a 3D image, which was then analyzed by a computer program that recovered the original recorded sound.
The achievement restores a vital link in the evolution of recorded sound, Haber said. The artifact represents Edison's first step in his efforts to record sound and have the capability to play it back, even if it was just once or twice, he said.
"It really completes a technology story," Haber said. "He was on the right track from the get-go to record and play it back."