Monday, December 31, 2012

Cowboys vs. Redskins: Live Game Grades, Analysis for Washington

In arguably the most significant game for the Redskins in the last two decades, the Dallas Cowboys travel to Washington tonight to battle for the NFC East division crown. Kickoff is set for 8:30 p.m. EST.

After starting the season 3-6, the Redskins have bounced back following their bye week and have won six straight.

Tonight the Redskins have the chance to defeat their bitter rivals, crown themselves division champs and solidify their spot in the playoffs.

We'll be bringing you live grades and analysis throughout the game. Be sure to check back after each quarter for updated info and stop by after the game for the Redskins' final report card.

Source: http://bleacherreport.com/articles/1462370-cowboys-vs-redskins-live-game-grades-analysis-for-washington

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Son Raises Money for Cancer Research after Father Dies of Pancreatic Cancer

They came to remember the life and fight of Les Van Zandt.

"He didn't go alone, you know we were there with him," said his son, Cole.?

Weeks after his father was diagnosed with pancreatic cancer, Cole Van Zandt found a way to help his family with "Fight the Fight." Though Les died Christmas day, the family felt it was still important to go on with the event.

"Dad had talked about how fun it would've been, or it was going to be to go," said Cole.

Though the event was originally set up to help Cole and his family pay for the medical expenses, now he simply just wants to give back.

"We just felt like we could go ahead and go on with the fundraiser and donate all the proceeds to the American Cancer Society," he explained.

Not only is it what his dad would've wanted, Cole now wants to help other families fighting cancer.

"Any person that has a family member that may be suffering from cancer, now I know how that feels. You know, it feels good to be able to help somebody," Cole said.

And hoping to one day set up a fund in his father's memory to help find the cure to pancreatic cancer.

Source: http://bigcountryhomepage.com/fulltext?nxd_id=559312

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Sunday, December 30, 2012

Gun-liability insurance ? The Reality-Based Community

December 28th, 2012

I?m not a fan of mandatory liability insurance for gun owners; Megan McArdle picks some good holes in the proposal, without even mentioning the big problem about how to attribute liability when the firearm used in an assault or homicide is never recovered by law enforcement. But even a flawed concept ought to be considered in its most nearly plausible form.

For gun-liability insurance, it seems to me the most plausible form would be strict liability on the manufacturer (or importer) for any damage to third parties done with the gun, and a requirement that the liable party either carry insurance or post a bond (to avoid the ?judgement-proofness? problem.) Damage from unrecovered weapons could be allocated on the market-share principle.

That system would give the gun industry a strong incentive to be careful about not selling to people who might misuse the weapon or re-transfer it to someone who would. In effect, such a law would force the gun industry to act as a regulatory authority.

Now go back to Megan?s piece to read about all the issues that would raise. And then think about how hard it would be for anyone living in a poor African-American neighborhood to buy a gun.

Source: http://www.samefacts.com/2012/12/crime-control/firearms/gun-liability-insurance/

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Saturday, December 29, 2012

Top 10 insurance stories of 2012 ? Bankrate, Inc.

Insurance news touched the lives of every American in 2012. Dim the lights, cue the music and ready the ball to drop (no worries, it's insured),? because here's my countdown of the top 10 insurance stories of the year.

10. Bundling: Allstate continued to wash its hands of "unprofitable" business by shedding 10,000 South Carolina homeowners insurance customers who refused to bundle in their auto insurance and have their cars covered by the "good hands" people, too. The company previously purged 45,000 nonbundling North Carolina customers in November 2011, sparking protests from Bankrate readers.

9. Curbing bad habits: Insurance companies are sick of paying for our bad habits. A Cornell University study found that obesity directly contributes to $190 billion in health care costs each year, a staggering 20 percent of our national health care expenditures. Employers are choking on the cost to insure workers who smoke, a breathtaking $193 billion each year, or an additional $11,000 per smoker annually. As for intoxicants, health insurers have convinced legislatures in 25 states to pass "alcohol exclusion" laws that allow insurers the option to not cover you if you injure yourself while buzzed on alcohol or drugs.

8. Texting, driving and dodging: Federal officials say the use of mobile devices while driving causes 3,000 fatalities each year. The question is, how will the auto insurance industry respond? So far, it has largely avoided the subject.

7. Flood reform at last: The bad news? The National Flood Insurance Program, or NFIP, remains about $18 billion in the red, largely due to Hurricane Katrina. The good news? Last July, President Barack Obama signed the Biggert-Waters Flood Insurance Reform Act of 2012, which extends NFIP for five whole years and ushers in long-overdue reforms designed to make the program self-sustaining for the first time in its history.

6. Auto under siege: The Consumer Federation of America took auto insurers to task in 2012, accusing the industry of charging the poor more for auto coverage; bilking consumers out of "tens of millions of dollars" by manipulating computerized claims data; using personal?information such as gender, employment and education to set policy rates; and quoting excessively high rates on online shopping sites. An insurance trade group responded that car insurance rates are seeing increases in line with overall inflation.

5. New homeowners pay more: New homeowners felt the sting of weather-driven home insurance rate increases, paying on average 19 percent more in 2011, a jump from $682 a year to $810 nationally.

4. Preventive care included: For the first time in history, the federal government now requires health insurers to provide dozens of preventive screenings and services to all insured Americans without additional cost. The requirement, part of health care reform, is especially beneficial to women, as it includes free mammograms and human papillomavirus, or HPV, testing.

3. Feds to run most state exchanges: Because more than half the states chose to work against rather than with health care reform these past three years, the federal government will set up and operate the mandated health insurance exchanges in two-thirds of the states beginning in 2014.

2. Isaac and Sandy: Hurricane Isaac and Superstorm Sandy, coming just a year after lumbering Hurricane Irene, proved yet again that slow-moving, widespread drenchers can cause just as much destruction as?megastorms like Andrew and Katrina. The question lingers: Is this the new normal?

1. Obamacare survives two scares: The Affordable Care Act of 2010, Obama's landmark course adjustment for America's health care system, emerged largely unscathed from a contentious three-month U.S. Supreme Court battle, then cleared its final hurdle with the president's re-election.

A happy and prosperous new year to you all!

Follow me on Twitter: @omnisaurus

Subscribe to Bankrate newsletters today!

Source: http://www.bankrate.com/financing/insurance/top-10-insurance-stories-of-2012/

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Would-be adoptive parents look beyond Russia

NEW YORK (Reuters) - Russia's new ban on U.S. adoptions is the latest setback for hopeful American parents as countries increasingly impose restrictions.

Other countries, including China and Guatemala, have erected hurdles for adoptive families as they create their own domestic adoption programs. The signing of the Hague Convention on adoption in 2008 drastically improved regulation of the process, which had been rife with corruption. But it has also led to a slowdown in adoptions or shutdowns in some countries. Internal politics and abuse concerns are additional reasons why countries have tightened controls.

In 2004, U.S. citizens adopted 22,991 children who had been born abroad, an all-time high, according to Adoptive Families magazine. By 2011, that number had fallen to 9,319. (For a graphic view of how international adoptions have fallen in various countries, see http://link.reuters.com/tut84t)

There are still other options for Americans wanting to adopt an international child. Bulgaria, Columbia and many African nations are some of the new, go-to countries for U.S. adoptions.

But even that's not a sure thing. For would-be adoptive parents the best bet is to widen their search to include special needs kids, sibling groups and older children.

AFRICA'S ADOPTION EXPLOSION

Africa, which represented 22 percent of adoptions in 2009, is expected to be a bigger player in the future. "A decade ago, there were very few adoptions (in Africa)," according to Susan Soonkeum Cox, vice president policy and external affairs at Holt International, a Christian adoption organization. "Now, there's an explosion."

African countries seeing an increase in adoptions include South Africa, the Democratic Republic of the Congo, Ghana, Kenya and Ivory Coast.

Adoptions in Ethiopia, meanwhile, have declined from a peak of 2,511 in 2010 as the country overhauled its oversight process. But it is still a viable option, Cox said.

Cox advises working with an adoption agency that has staff on the ground in Africa and other countries to handle paperwork and advocate for U.S. families.

Other countries that still welcome American adoptions include Bulgaria and Colombia, said Megan Montgomery, international adoption coordinator for Adoption Star, based in Amherst, New York. Adoption Star primarily deals with adoptions from Bulgaria, a country that has gone from five placements in 2008 to 75 adoptions in 2011.

Placements from Vietnam and Cambodia, which shuttered their U.S. adoption programs, should resume soon, adoption experts say.

FAMILIES CAN'T FLIP A SWITCH

Adoptions of Russian children peaked in 2004, according to Dale Eldridge, coordinator of adoptive services at Jewish Family Services' Adoption Choices, a non-profit adoption program based in Framingham, Massachusetts. Right now, fewer than 50 U.S. adoptions of Russian children are formally in the works while another 250 U.S. families have identified kids they would like to adopt, adoption experts said.

Unfortunately, families that already have started an adoption in Russia can't just flip a switch and redirect their efforts to another country. "I wish it was as simple as taking some families who have been waiting (for Russian children) to just move over to another country," said David Nish, chief program officer at Spence-Chapin, a U.S.-based adoption agency that finds homes for children in the United States and around the world. "But it's a whole other process."

That's because every country has its own eligibility requirements. Criteria can include parents' marital status, age of the parents, employment, financial status, medical issues, and even the age difference between the adoptive parents and adoptee child. The adoption process remains restrictive for single-sex couples.

And the cost can be prohibitive. For example, the median fee in 2011 was $8,000 for the Dominican Republic, $15,355 in Panama and $26,063 in South Africa, according to the U.S. State Department's Intercountry Adoption Annual Report. Adoption fees for many of the 30-plus countries on the State Department's list are in the range of $20,000. That's not including travel costs.

Even so, international adoptions are often cheaper than domestic ones for newborn babies, which can cost $40,000 or more.

OLDER CHILDREN

To speed up the process, would-be adoptive parents should consider a school-age child, experts say.

According to the State Department, 233,934 international adoptions were made by Americans from 1999 to 2011. Nearly 94,000 of those adoptions involved children under the age of one. Just about 20,000 children aged three or four were adopted during that period. And for kids aged 5 to 12, it was 29,712.

The benefit of adopting a school-age child is that it is easier to identify developmental and emotional problems ahead of time. "There's more you can do to prepare and put resources in place to support what they need," Spence-Chapin's Nish said.

School-aged children can be challenging if pre-adoptive experiences affect their development, he said.

A special needs child is also a possibility. One way to fast-track an international adoption may be to apply for a child with known medical or special needs, said Adoption Star's Montgomery. "For families with resources, it can be great option," Montgomery said. "Of course, you really have to find the right family to take on that kind of known medical need."

Special needs can range from a baby born with a minor medical problem, such as a cleft palate, to more serious issues, such as a heart condition, blindness or spina bifida. "It's not about families getting a child quicker," Nish said. "It's about a family accepting a child into their household that they can provide for and love and nurture."

China's Waiting Child program, which includes children who have special needs or correctable medical conditions or are part of sibling groups, has wait times that are typically much shorter than the traditional program, according to Adoptive Families magazine. In 2011, more than half of adoptions from China were through this program.

Would-be parents must be prepared to wait. The Associated Services for International Adoption, a non-profit adoption group, says the wait time for an adoption referral in China is 73 months as the country has clamped down on U.S. adoptions. "If the wait time is becoming impractical, it's better to close the intake process" and start again, advised Holt's Cox.

Tracy Downey and her husband, Jason, who live in suburban Des Moines, Iowa, tried to go the traditional international Chinese adoption route in 2006. But after waiting for 18 months to bring home a baby from China, Tracy switched gears and started combing the official Chinese list of children with special needs along with additional lists from adoption agencies and orphanages.

The Downeys have since adopted a daughter, Angel, along with two sons - Corban and Tegan - from China, all with large, potentially disfiguring moles known as a giant congenital nevi. They started the process to bring home the two boys, now aged 3-1/2, last January. It took about 10 months.

Aside from their large moles - which are on two of the children's faces and on the other's lower body - all three kids are healthy and thriving, Tracy said.

"If we wanted a non-special needs child, we'd still be waiting," Tracy said.

(Follow us @ReutersMoney or at http://www.reuters.com/finance/personal-finance; Additional reporting by Chelsea Emery and Beth Pinsker Gladstone; Editing by Linda Stern and Steve Orlofsky)

Source: http://news.yahoo.com/adoptive-parents-look-beyond-russia-192952945.html

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Argentina asks U.S. court to block payouts for debt holdouts

NEW YORK (Reuters) - Argentina is urging a U.S. appeals court to reverse an order requiring the country to pay $1.33 billion to creditors who did not participate in its two debt restructurings, a legal case that could have huge ramifications for global debt markets.

Lawyers for Argentina's government said in court papers filed late on Friday that a trial judge was "wrong to ignore the chorus of voices" who opposed his November order on payments to so-called "holdout" creditors.

Those payments, to a court-controlled escrow account, would threaten the service of $24 billion in restructured debt, Argentina's lawyers wrote in papers filed in the 2nd U.S. Circuit Court of Appeals in New York.

"There is no authority permitting a U.S. court to order a sovereign to bring its immune assets into the United States in order to 'turn over' or distribute them to its creditors," lawyers for the Argentine government said in the 69-page filing.

The appeals court is expected to decide next year whether to force Argentina to pay the $1.33 billion to investors in the defaulted debt. The decision could have broad impact on the ability of governments to raise money by selling bonds and on strained countries' response to economic crises.

The case stems from Argentina's $100 billion sovereign debt default 11 years ago. Argentina is trying to avoid paying the holdout creditors, who refused to take part in massive debt restructurings in 2005 and 2010.

About 92 percent of the bonds were restructured, giving holders between 25 cents and 29 cents on the dollar.

But the holdouts, led by Elliot Management Corp affiliate NML Capital Ltd and the Aurelius Capital Management funds, demanded to be paid in full. Argentina calls the holdouts "vultures" and has resisted.

In the papers filed on Friday, Argentina said it is willing to resolve the litigation by reopening the restructuring offer, a move that would require legislative permission but that would likely be rejected by plaintiffs.

"The executive is prepared to once again present to Congress a proposal that definitively treats all holdout creditors on the same terms as participants in the Republic's 2010 exchange offer," the filing says.

"The Republic has already made two debt restructuring offers that plaintiffs chose to reject. It cannot present a proposal that treats holdout creditors better than exchange bondholders."

LONG-RUNNING CASE

In a separate court filing, lawyers for holders of restructured bonds said that holdouts should not be offered better terms than "innocent" bondholders who took part in the swaps. The restructured bondholders include funds managed by Gramercy Financial Group LLC and BlackRock Inc , according to the court papers from the group.

The case has run for years in U.S. courts. Oral arguments before the 2nd Circuit on the appeal are set for February 27, 2013.

A decision against Argentina would deal a setback to President Cristina Fernandez, who is trying to avert the fallout of a potential technical default on tens of billions of dollars of debt.

In a statement late on Friday, an NML spokesman said Argentina was well placed to compensate the holdouts, citing its "more than $43 billion in foreign currency reserves" and billions more in other resources.

"Today's filing by the Republic once again demonstrates Argentina's irrational persistence in evading its contractual obligations and the orders of U.S. courts," said Peter Truell, a spokesman for NML.

There was no immediate reaction comment from Argentina.

Also on Friday, the U.S. government filed a friend-of-the-court brief in support of Argentina's bid for the appeals court to reconsider its October ruling that found Argentina had improperly discriminated against bondholders who did not participate in the debt swaps.

The U.S. government said countries needed leverage to garner broad creditor support for a restructuring. It cited the recent debt exchange in Greece as an example of a situation in which holdouts can threaten orderly bond restructurings.

JUDICIAL REPRIEVE

Following the appeals court's October decision, U.S. District Judge Thomas Griesa in Manhattan on November 21 commanded Argentina to put the payments for the holdouts into escrow by December 15.

But on November 28, the 2nd Circuit gave Argentina a reprieve, saying it did not need to make the escrow payment for now.

The battle has even extended to the 2-1/2 month seizure of the Argentine naval vessel ARA Libertad in Ghana at the request of NML. The boat was freed on December 19 following a ruling by an international admiralty tribunal.

In its court papers, Argentina said that if Griesa's orders were allowed to stand, "we may very well see the end of such restructurings and enter an era where debt crises are irresolvable. This will increase litigation, not reduce it."

The case is NML Capital Ltd et al v. Argentina, 2nd U.S. Circuit Court of Appeals, No. 12-105.

(Additional reporting by Martha Graybow in New York and Alejandro Lifschitz in Buenos Aires; Editing by Ron Popeski and Vicki Allen)

Source: http://news.yahoo.com/argentina-asks-u-court-block-payouts-debt-holdouts-054447388--finance.html

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Race To The Finish at Sheldon Hills With Three Homes Remaining ...


?This is the last chance you have to become a part of this special setting,? explains Garrett Melahn, Community Sales Manager for The Ranch at Sheldon Hills. ?So many of today?s buyers refuse to feel bound by tiny lot sizes that have become the ?norm?. With our 2+ acre parcels, you now, literally, have 10-12 times the space of traditional neighborhood layouts. Here, your neighbor is never too close for comfort, and the chance to have that is dwindling. The last remaining luxury estate homes are under construction now and there are only three left!?

The most popular design has been the Tucson, and with only three left in the entire neighborhood, now is the time to take a look at why. Located on home sites 21, 31, and 32 they are newly released single story four bedroom, plus a den, two and a half bath, and three car side-loaded garages. The Tuscons offers an open, split floor plan with dual master bedrooms, an inviting entry that flows into an oversized family room that is geared towards entertainment, with a wall of picture windows. The final release of Tuscons offer the highly sought after ?Platinum Package? upgrades. The Platinum Option packages includes tens of thousands of dollars worth of the industry?s top of the line upgrades; Upgraded tile flooring in all wet areas, granite slab countertops with backsplash, stainless steel appliances, and dual ovens prepare you for entertaining friends and family. Situated on 2+ acres there is no other value that compares these Tuscons. You truly ?live the dream? in this home. The Scottsdale is available starting at $584,900 when using JTS?s preferred lender.

Useable Acreage

With 2 + acre parcels, you can have your home work for you. Create your own farmers market and enjoy fresh, healthy choices year round. Nowhere else in the area can you choose from so many produce and even livestock options. Your ?homestead? will save you money by becoming your personal supermarket.

?Compare the value difference in our new homes on acreage,? explains Melahn Community Sales Manager for The Ranch at Sheldon Hills, ?At Sheldon Hills our amenities extend beyond the walls of our homes. The acreage allows the privacy and usability that is so coveted in today?s market. You can create a personal retreat that will last you the rest of your life.?

*To get more information on The Ranch at Sheldon Hills, from Sacramento take Highway 50 to the Sunrise exit and go south. Turn left on Jackson Highway to Sloughhouse Rd., turn right and go two miles then turn right at the Sheldon Hills entrance to the model. The sales office is open Friday through Tuesday from 10 am to 6 pm. For more information, contact the sales office at (916) 484-5226. Broker coops are welcome and well received at 3%.

Source: http://jtscommunities.com/2012/12/29/race-to-the-finish-at-sheldon-hills-with-three-homes-remaining-plus-stunning-model/

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Friday, December 28, 2012

Americans from Central African Republic capital evacuated

Reuters

Hundreds protest in front of the French Embassy in the Bangui, Central African Republic, on Wednesday, expressing anger over the lack of response by the former colonial power to rebels advancing on the capital.

?

By NBC News and wire services

U.S. diplomats and other American citizens have been evacuated from the Central African Republic and U.S. embassy operations have been suspended in the capital, Bangui, the State Department said Thursday. The move came as?rebel forces?advanced on the city.

"This decision is solely due to concerns about the security of our personnel and has no relation to our continuing and long-standing diplomatic relations with the (Central African Republic)," said State Department spokesman Patrick Ventrell.

Insurgents on motorbikes and in pickup trucks have driven to within 45 miles of Bangui after weeks of fighting, threatening to end President Francois Bozize's nearly 10-year rule over the turbulent, resource-rich country.

Bozize appealed to the United States and France to help push back the rebels.


Some U.S. Special Forces are operating in the country, trying to track down the Lords Resistance Army, a rebel group responsible for killing thousands of civilians across four African nations.?There was no indication that these forces would be used to aid Bozize against the advancing insurgents.

Earlier a senior defense official told NBC News that there were "several hundred" civilians, including Americans and citizens of close U.S. allies who may be evacuated, but comments by the State Department's Ventrell suggested fewer had left:?

"Ambassador (Laurence) Wohlers and his diplomatic team left Bangui today along with several private U.S. citizens," according to Ventrell.

The non-combatant evacuation operation transported "U.S. citizens and designated foreign nationals to safe havens in the region," according to a statement from?Defense Department spokesman Todd Breasseale. The flight out of Bangui was "wheels up" at about 7:15 p.m. ET.?

Paris said its troops would protect French nationals, but not be involved in repelling the rebels.?

Some 1,200 French nationals live in the CAR, mostly in the capital, according to the French Foreign Ministry, where they typically work for mining firms or aid groups.

French nuclear energy group Areva mines the Bakouma uranium deposit in the CAR's south ? France's biggest commercial interest in its former colony.?

Bozize on Thursday appealed for French and U.S. military support to stop the SELEKA rebel coalition, which has promised to overthrow him unless he implements a previous peace deal in full.

France: 'Those days are over'
He told a crowd of anti-rebel protesters in the riverside capital that he had asked Paris and Washington to help move the rebels away from the capital to clear the way for peace talks which regional leaders say could be held soon in Libreville, Gabon.

"We are asking our cousins the French and the United States, which are major powers, to help us push back the rebels to their initial positions in a way that will permit talks in Libreville to resolve this crisis," Bozize said.

Georges Gobet / AFP - Getty Images file

Central African Republic President Francois Bozize in 2008.

France has 250 soldiers in its landlocked former colony as part of a peacekeeping mission and Paris in the past has ousted or propped up governments ? including by using air strikes to defend Bozize against rebels in 2006.

But French President Francois Hollande poured cold water on the latest request for help.

"If we have a presence, it's not to protect a regime, it's to protect our nationals and our interests and in no way to intervene in the internal business of a country, in this case the Central African Republic," Hollande said on the sidelines of a visit to a wholesale food market outside Paris.

"Those days are over," he said.

France is increasingly reluctant to directly intervene in conflicts in its former colonies. Since coming to power in May, Hollande has promised to put ties with its former colonies on a healthier footing.

The rebel advance has highlighted the instability of a country that has remained poor since independence from Paris in 1960 despite rich deposits of uranium, gold and diamonds. Average income is barely over $2 a day.

Regional African leaders, meantime, tried to broker a ceasefire deal and rebels said they had temporarily halted their advance on Bangui to allow talks to take place.

Officials from around central Africa were to meet in Bangui later on Thursday to open initial talks with the government and rebels.

A rebel spokesman said fighters had temporarily halted their advance to allow dialogue.

"We will not enter Bangui," Col. Djouma Narkoyo, the rebel spokesman, told Reuters by telephone.

Previous rebel promises to stop advancing have been broken, and a diplomatic source said rebels had taken up positions around Bangui on Thursday, effectively surrounding it.

The atmosphere remained tense in Bangui the day after anti-rebel protests broke out, and residents were stocking up on food and water.

Government soldiers deployed at strategic sites and French troops reinforced security at the French embassy after protesters threw rocks at the building on Wednesday.

Bozize came to power in a 2003 rebellion that overthrew President Ange-Felix Patasse.

The government holds little sway outside the capital, and in some parts of the country, the consequences of conflicts in troubled neighbors Chad, Sudan and the Democratic Republic of Congo have spilled over.

This report includes reporting by Reuters and NBC News' Courtney Kube.

More world stories from NBC News:

Follow World News from NBCNews.com on Twitter and

?

Source: http://worldnews.nbcnews.com/_news/2012/12/27/16193391-us-evacuates-americans-from-central-african-republic-capital-as-rebels-close-in?lite

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Thursday, December 27, 2012

Patrick Dempsey Attempts To Buy Tully's Coffee To Save Jobs

LOS ANGELES ? Patrick Dempsey says he wants to rescue a coffee house chain and more than 500 jobs.

The "Grey's Anatomy" star said Wednesday he's leading a group attempting to buy Tully's Coffee. The Seattle-based company filed for Chapter 11 bankruptcy protection in October.

Dempsey said he's excited about the chance to help hundreds of workers and give back to Seattle.

The actor has a strong TV tie to the city: He plays Dr. Derek Shepherd on "Grey's Anatomy," the ABC drama set at fictional Seattle Grace Hospital.

Tully's has 47 company-run stores in Washington and California, as well as five franchised stores and 58 licensed locations in the U.S.

Any sale would have to be approved by a judge. A bankruptcy court hearing is set for Jan. 11 in Seattle.

Also on HuffPost:

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Source: http://www.huffingtonpost.com/2012/12/26/patrick-dempsey-tullys-coffee_n_2366893.html

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Delays litter long road to vehicle rearview rules

SAN FRANCISCO (AP) ? In the private hell of a mother's grief, the sounds come back to Judy Neiman. The SUV door slamming. The slight bump as she backed up in the bank parking lot. The emergency room doctor's sobs as he said her 9-year-old daughter Sydnee, who previously had survived four open heart surgeries, would not make it this time.

Her own cries of: How could I have missed seeing her?

The 53-year-old woman has sentenced herself to go on living in the awful stillness of her West Richland, Wash., home, where she makes a plea for what she wants since she can't have Sydnee back: More steps taken by the government and automakers to help prevent parents from accidentally killing their children, as she did a year ago this month.

"They have to do something, because I've read about it happening to other people. I read about it and I said, 'I would die if it happens to me,'" Neiman says. "Then it did happen to me."

There is, in fact, a law in place that calls for new manufacturing requirements to improve the visibility behind passenger vehicles to help prevent such fatal backing crashes, which the government estimates kill some 228 people every year ? 110 of them children age 10 and under ? and injures another 17,000.

Congress passed the measure with strong bipartisan backing, and Republican President George W. Bush signed it in 2008.

But almost five years later, the standards have yet to be mandated because of delays by the U.S. Department of Transportation, which faced a Feb. 28, 2011, deadline to issue the new guidelines for car manufacturers. Transportation Secretary Ray LaHood has pushed back that deadline three times ? promising in February that the rules would be issued by year's end.

With still no action, safety advocates and anguished parents such as Neiman are asking: What's taking so long to remedy a problem recognized by government regulators and automakers for decades now?

"In a way, it's a death sentence, and for no good reason," said former Public Citizen president Joan Claybrook, who once directed the federal agency responsible for developing the rules.

The proposed regulations call for expanding the field of view for cars, vans, SUVs and pickup trucks so that drivers can see directly behind their vehicles when in reverse ? requiring, in most cases, rearview cameras and video displays as standard equipment.

The National Highway Traffic Safety Administration, charged with completing the new standards, declined requests to discuss the delays. Spokeswoman Karen Aldana said the agency would not comment while the rulemaking process was ongoing but was on track to meet LaHood's latest cutoff date. In a letter to lawmakers in February, LaHood said his agency needed more time for "research and data analysis" to "ensure that the final rule is appropriate and the underlying analysis is robust."

Others insist the issue is money, and reluctance to put any additional financial burdens on an industry crippled by the economic crisis. Development of the new safety standards came even as the Obama administration was pumping billions of dollars into the industry as part of its bailout package.

"They don't want to look at anything that will cost more money for the automobile industry," said Packy Campbell, a former Republican state lawmaker from New Hampshire who lobbied for the law.

NHTSA has estimated that making rear cameras standard on every car would add $58 to $88 to the price of vehicles already equipped with dashboard display screens and $159 to $203 for those without them.

The Alliance of Automobile Manufacturers, a lobbying group that represents automakers, puts the total cost to the industry at about $2 billion a year. Last December, the group met with White House budget officials to propose a less expensive alternative: reserving cameras for vehicles with extra-large blind zones and outfitting the rest with curved, wide-angle exterior mirrors.

The alliance declined comment, but earlier this year the group's vice president, Gloria Bergquist, told The Associated Press that it urged the government to explore more options as a way to reduce the costs passed on to consumers.

"There are a variety of tools that could be used," she said, adding that automakers also were concerned that the cumulative effect of federal safety regulations is driving up the average price of a new car, now about $25,000.

Industry analysts also question whether cameras are needed on smaller, entry-level class cars with better rearview visibility.

"It may just be a couple hundred dollars, but it can grow pretty significantly if you are talking about ... an inexpensive car that was not originally conceived to have all these electronics and was only going to have a simple car stereo," said Roger Lanctot, an automotive technology specialist.

Before the delays, all new passenger vehicles were to carry cameras and video displays by September 2014. The industry has now asked for two more years after the final rules are published to reach full compliance.

Despite its resistance, the industry on its own has been installing rearview cameras, a feature first popularized two decades ago in Japan and standard on nearly 70 percent of new cars produced there this year. In the United States, 44 percent of 2012 models came with rear cameras standard, and 27 percent had them as options, according to the automotive research firm Edmunds.

Nine in 10 new cars had console screens available, according to market research firm iSuppli, which would put the price of adding a camera on the low end of the NHTSA's estimates.

These backing crashes are hardly a new phenomenon. Emergency room doctors, the National Centers for Disease Control and Prevention and the NHTSA have produced dozens of papers on the problem since the 1980s.

Researchers at the University of California, Irvine, started looking into the issue in the 1990s after noticing toddlers showing up in hospital databases of injured child pedestrians. They found that many of those children had been killed or hurt by vehicles backing out of home driveways.

In 1993, the NHTSA sponsored several studies that noted the disproportionate effect of backup accidents on child victims. One report explored sensors and cameras as possible solutions, noting the accidents "involve slow closing speeds and, thus, may be preventable." Still another 1993 report estimated that 100 to 200 pedestrians are killed each year from backing crashes, most of them children.

Three years later, Dee Norton, a reporter at The Seattle Times, petitioned the NHTSA to require improved mirrors on smaller commercial trucks and vans after his 3-year-old grandson was killed by a diaper delivery truck that backed over him.

The NHTSA started looking into technology as a solution, but in one proposal ? issued in November 2000 ? it noted that sensors, cameras and monitors were still expensive and promised to later reevaluate the feasibility of such emerging technologies.

Adding to the scrutiny were studies by Consumer Reports magazine, which started measuring "blind zones" to determine how far away a toddler-sized traffic cone had to be before a driver looking though the rear window could see it. The research found an overall trend of worsening rear visibility ? due in part to designs favoring small windows and high trunk lines, said Tom Mutchler, the magazine's automotive engineer.

"Cameras are basically the only technology that is going to let you see something right behind the bumper," he said.

With a growing body of research, better statistics and inaction by regulators, advocates such as Janette Fennell, president of a safety group called Kids and Cars, and Sally Greenberg, then with Consumers Union, turned to Congress for a solution.

In 2003, U.S. Rep. Peter King, R-New York, introduced the Cameron Gulbransen Kids and Cars Safety Act, named for a 2-year-old Long Island boy whose pediatrician father backed over him in their driveway. Five years later, it finally became law.

While no one doubts that cameras could help reduce deaths, they aren't regarded as a perfect solution either.

One recent study by a researcher at Oregon State University found that only one in five drivers used a rearview camera when it was available, but 88 percent of those who did avoided striking a child-sized decoy.

In its proposed rule, the NHTSA estimated that rearview video systems could substantially reduce fatal backing crashes ? by at least 95 a year ? and result in at least 7,000 fewer injuries.

Judy Neiman's 2006 Cadillac Escalade didn't have any cameras installed. They weren't added as an optional package until the following model year. Instead, her vehicle was equipped with a "rear parking assist system" ? bumper sensors, an alarm and lights that are supposed to go off within five feet of objects or people.

Neither Neiman nor the 10-year-old neighbor boy who had accompanied her and her daughter to the bank on Dec. 8, 2011, would recall hearing any alert, according to a police report.

Sydnee was carrying her purple plastic piggy bank and account book, so she could deposit $5 from her weekly allowance. After the transaction, Neiman slid behind the wheel and waited for the children. She heard the door slam, then saw the boy sitting on the right side of the back seat as she put the car into reverse.

She figured Sydnee was seated behind the driver's seat. Instead, the boy had gotten in first, telling Sydnee to go around and get in from the left side. He would later tell a police investigator that the girl had dropped her piggy bank on her way around the SUV.

Even if she were upright, at 4-feet-3-inches tall, Sydnee would have been practically invisible through the rear window, the bottom edge of which was a few inches taller than she was.

As the first anniversary of her daughter's death passed, Neiman hoped that sharing her story might spare other parents from enduring the pain she feels every day.

She tortures herself by replaying a conversation she had with Sydnee the summer before she died. Her daughter always had taken her heart condition, a congenital defect, in stride. She never complained or showed fear, despite her many surgeries.

Then one night Sydnee started crying, and she wouldn't tell her mother what was troubling her until the next morning.

"She said, 'I don't want to die, Mom,' and when she died, that's all I could think about. She didn't want to die," Neiman says. "She survived four open heart surgeries. If God had taken her at that time, I could accept it. But who could take her with her being hit by my car? And my hitting her?"

___

Associated Press writer Joan Lowy in Washington, D.C., contributed to this story.

Source: http://news.yahoo.com/delays-litter-long-road-vehicle-rearview-rules-102153265--finance.html

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Document drop: Another Obama ICE memo sabotages homeland security (Michellemalkin)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

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Monday, December 24, 2012

A Whisper Is A Stronger Social Signal Than A Public Shout

4852162426_62b5d4c8f7_zYesterday was a surprisingly interesting news day, given how close we are to celebrating the holidays. Facebook struck while the iron was hot and released a brand new standalone iOS app called “Poke”, leveraging a feature that has been around since the early days of the product, as well as a shot across the bow of Snapchat, who it reportedly attempted to acquire. At first glance, it’s a competitive move, and also a whimsical one. The idea of sending someone a message that self-destructs is kind of “cute”, in the way that passing notes in class was when you were younger. But make no mistake about it, Facebook’s Poke is meant as a means to strengthen its social graph, as well as to crib signals from your daily lives and activities to make itself a better company. I’m not saying that anything is wrong with that, but these are the obvious facts. Let’s discuss the idea of a social signal first, though. When you tweet something, and someone responds, that’s a signal that the person is interested in what you have to say. One could also infer that this person “likes” you, or has an affinity for you or what you just said. This could all be torn down as bullshit though, since we all know that sometimes we respond to people to simply get their attention. The Facebook Poke is an interesting historical feature, one that hasn’t really been documented. It was Mark Zuckerberg’s baby, as Facebook was and is, but not much is known about it, only assumed. During yesterday’s ferver about this new Poke app, a phrase was repeated by outlets over and over again, here’s one from CNN: The poke, which is still around but rarely used, is a minimalistic form of communication — the digital equivalent of a head nod or wink. I take issue with the notion that it’s “rarely used”, because we simply do not have data to back that statement or sentiment up, Facebook has never made it public. I would challenge that it’s not public data because it’s quite important. Whispering to someone is way more interesting than speaking to ten people in a crowd. Your closest friends When you’re at a bar and you look around at the people there, are you interested in what a group of fifteen people are talking about, or what the two folks in the

Source: http://feedproxy.google.com/~r/Techcrunch/~3/gq65_PZmHXs/

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Friday, December 21, 2012

Flipboard lands on Android tablets, now supports Nexus 10

Flipboard lands on Android tablets, now supports Nexus 10

It's no secret that we're big fans of Flipboard here at Engadget, but there's one thing we've been longing for: a tablet-optimized Android version. Until now, running the app on the Nexus 10 (by sideloading the APK) or even the Nexus 7 (officially supported) meant living with a scaled-up phone experience. Today, Flipboard is getting updated in the Play Store to supports a variety of Android tablets such as Samsung's Galaxy Note 10.1, the Galaxy Tab series and the Nexus 10. A setting lets you chose between phone and tablet modes, which is useful for mid-size devices like Amazon's Kindle Fire, the Nook and the Nexus 7. Flipboard worked closely with Samsung to optimize the app and take advantage of larger, higher resolution displays. This means more of your favorite tiles, larger story snippets and landscape support (at last). We spent a few hours using Flipboard's new app for Android and came away suitably impressed -- anyone familiar with the iPad version will feel right at home. PR after the break.

Continue reading Flipboard lands on Android tablets, now supports Nexus 10

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Source: Flipboard (Google Play)

Source: http://www.engadget.com/2012/12/20/flipboard-lands-on-android-tablets-now-supports-nexus-10/

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Five tips for taking college by storm

Sorry, Readability was unable to parse this page for content.

Source: http://www.app.com/article/20121220/NJNEWS15/312200030/1001/NEWS&source=rss

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Wednesday, October 3, 2012

Tuesday Reading: When Doctors Stop Taking Insurance - NYTimes ...

Kids and Money

Money Questions From Kids

75 ThumbnailChildren often ask tough questions about money. In a series of posts this month the Bucks blog will discuss them one by one. We invite you to answer a few yourself or suggest new ones that your children have asked.

High Net Worth

Wealth Matters

75 Thumbnail Paul Sullivan writes about the strategies that the wealthy use to manage their money and their overall well-being.

Special Section

Financial Tuneup

75 ThumbnailAll of us need to take some time every so often to knock things off of our financial to-do list. To help, we?ve created a series of articles and an interactive checklist to get you started.

Recent Posts

October 03

Answers on Retirement Planning

The Booming blog has responses from a certified financial planner to retirement planning questions from readers.

October 03

Refinancing Spikes as Mortgage Rates Fall

Mortgage refinancing rose to a three-year high in late September as interest rates slid.

October 03

The Boom (and Bust) That Your Mortgage Bonds Built

In an excerpt from this new book, "Man vs. Markets," Paddy Hirsch explains how bonds made up of everyday mortgages gave rise to a debt boom that eventually sank the economy.

October 03

Wednesday Reading: A Day Trip to Princeton for $66, Nap Included

A $66 day trip to Princeton, nap included; whether exercise programs help children stay fit; sites that pay the shopper for being a seller and other consumer-focused news from The New York Times.

October 02

Free Advice From Financial Planners in October

Four nonprofit groups are sponsoring free one-on-one sessions with financial planners in two dozen cities.

Who's Who at Bucks

w50 Image

Ron Lieber writes the Your Money column, which appears in The Times on Saturdays.

w50 Image

Tara Siegel Bernard is a personal finance reporter for The Times.

w50 Image

Ann Carrns is a freelance reporter based in Fayetteville, Ark.

Archive

Source: http://bucks.blogs.nytimes.com/2012/10/02/tuesday-reading-when-doctors-stop-taking-insurance/

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Health care mandate subject of Metairie 'freedom rally' | NOLA.com

The federal health care mandate is the target of a Metairie "freedom rally" planned Oct. 20, part of the national Stand Up for Religious Freedom movement. It will be held from noon to 1 p.m. in Veterans Square, in the Veterans Memorial Boulevard median just west of Causeway Boulevard, organizer William Graham of Metairie said.

"The Obama administration's mandate ... forces all employers, regardless of religious or moral convictions, to provide abortion-inducing drugs through their health plans," Graham said.

"Religious freedom is essential to a free society. Institutions and private businesses should not violate their consciences by complying with Obamacare."

?

Source: http://www.nola.com/politics/index.ssf/2012/10/health_care_mandate_subject_of.html

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?Game? change: Calif. hunters upset with agency?s name

Rich Pedroncelli / AP

This logo will be changing on Jan.1.

By Miguel Llanos, NBC News

Call them words of war between hunters and wildlife activists: Starting Jan. 1, California's Department of Fish and Game will become Department of Fish and Wildlife.

The change, hunters say, reflects a move away from traditional hunting and fishing values and is part of a bigger push by the Humane Society of the United States to eliminate hunting across the nation.

Environmentalists and animal activists say it reflects a move to manage all wildlife in the state, not just "game" for hunters.

California's change will leave just 12 states using "game" in the name of the agency overseeing wildlife, according to the Association of Fish and Wildlife Agencies. (Those are: Alaska, Arizona, Arkansas, Idaho, Nebraska, New Hampshire, New Mexico, North Dakota, Pennsylvania, South Dakota, Virginia and Wyoming.)

Eighteen states use "wildlife," while the others use "natural resources" or "conservation."

Moreover, data from?the association and the National Conference of State Legislatures indicates the shift away from "game" is accelerating, the Associated Press reported.


California's change was made in state legislation signed into law by Gov. Jerry Brown last week.?The bill was one of six signed by Brown that the Humane Society championed as?"reinforcing California?s standing as a national leader in animal protection."

The change was made "to accurately reflect the state agency's broader mission," bill sponsor?Sen. Jared Huffman,?a Democrat who previously was an attorney for the Natural Resources Defense Council, said in a statement.?

Huffman said the proposed name change came from a majority on the 51-seat advisory panel convened to discuss the department's strategic vision.

The Humane Society, which was on the panel, said the change reflects a department "representing an ever-expanding constituency."

It ranges "from hunters to people who head into the woods to hike and watch wildlife," Casey Pheiffer, wildlife policy director for the group, told NBC News.?"Wildlife face so many threats, from poaching to habitat loss, and the agency harnessing the support of all Californians ? not just one constituency???is so important moving forward."

But some hunting groups opposed the change and were vocal about it.

"Generally, that means a shift toward butterflies, endangered species and other stuff like that," Mike Faw, spokesman for the U.S. Sportsmen's Alliance, told the Associated Press.

The California Outdoor Heritage Alliance?was also opposed, and said its partners were vastly outnumbered on the department's strategic vision advisory panel.

Earlier the group had been telling supporters that the Humane Society "will attack hunting in California first, taking it one species at a time, until all types of hunting are eliminated ? then take their forces to other states."

That group cited another bill signed by Brown last week as a case in point. It outlaws the use of dogs to hunt bears and bobcats in the state, making it "easily the most severe anti-hunting legislation ever passed into California law," the group stated.

The law, it added, "sets precedent placing the hunting of pigs, deer, pheasants, quail, ducks and other species with dogs in serious jeopardy."

The Humane Society does oppose hunting in principle but Pheiffer said it was not on a campaign to ban it nationwide. "Absolutely not," said Pheiffer. "The threat to hunting comes from extreme groups ... ?You can?t just shut your eyes and ignore the fact that 99 percent of Californians don?t hunt and then just decide that their values are negligible."

Source: http://usnews.nbcnews.com/_news/2012/10/03/14200590-californias-department-of-fish-and-game-gets-a-name-change-and-controversy?lite

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Tuesday, October 2, 2012

resistive starfish: Article Directory USA :: Like Nature Education ...

India's No.1 Portal to find the list of top and best Schools in Pune for your kids admission including admission dates, application form, admission criteria and procedure.

Pune, previously known as Punavadi and Poona is situated in the western Indian state of Maharashtra. It is also called as the ?Queen of the Deccan,? and is the cultural capital of Marathi people. Pune city is the biggest industrial town in Maharashtra. It is now a speedy growing city and is also an imperative educational centre of the western India.

Pune, being the seventh largest metropolis in India is house to many IT institutes, universities, and many other educational institutes along with top class schools which are quite in ruling mood over others. Schools have created such distinctiveness in their features that now they have been started to be addressed as unique branded schools. Students are addressed with different identity. Pune, being a the 7th metro poly in India has come up with such good numbers of Boarding schools and other such & moreover the boarding schools out here have got day boarding facilities also. The day boarding facility means students who don?t get admitted for enjoying the feeding and lodging facility both, the only they want is getting certified by such schools as the certification also matters a lot.

All such boarding schools or can be addressed as day boarding schools have got top class faculty members also who are skilled and experienced with high-caliber and the students who take admission they have also been found as intellectual and very much promising and challenging in outer world. Students are being taught with advanced technology and they are offered with many opportunities so that they can?t feel detached with other stuffs which can add feather of an extra quality to their crown.

The school facilities are such advanced learning technological devices are installed in all big schools, students are exposed to various fields of knowledge such literature, science, arts and others as well. Students are taught in such way that they can feel a package of everything, moreover now each student has been found as moving encyclopedia. Schools are too much engrossed in making each student the best for the future which is coming arrogantly towards them and they are supposed to handle it with all politeness, humbleness and furthermore with brilliancy.

This world has become too much greedy in all fields, now it needs only materialistic environment and that?s why quality matters everywhere. If you are not having your particular quality which defines your particular forte that means you are standing out of the group. Everywhere, if something is matter then it?s only crook, a mind set which always hunts for snatching the authoritative power of others, because now, it has become the protocol of this world. Nature needs changes so now this whole world is changing this way and taking a shape of world of competitive globe.

So, as schools are the initiator of the journey of one?s life towards success so first of all schools need to be changed as per the requirement of prevailing market. That?s why schools have already taken their first steps towards excellence.

Pune has got such schools also which are included in the list of initiators or pioneers.


By: Niti Sharma

This article has been written by a school guide of OnlineSchoolAdmissions.Com - a portal that provides free of cost consultancy to parents and schools for fast and easy online school admissions. Parents can locate Schools In Pune or Day Boarding Schools In Pune from the authentic list of schools and can apply to the schools of their choice online. Parents can also search for Boarding Schools In Pune according to their choice and can fill up school application forms online.

Article Directory: http://www.articledirectoryusa.com

Source: http://www.articledirectoryusa.com/article/category/reference-and-education/like-nature-education-needs-changes-too/

Article Tags: schools in pune , day boarding schools in pune , boarding schools in pune

Submitted On Sep 28, 2012. Viewed 2 times.

Source: http://www.articledirectoryusa.com/article/category/reference-and-education/like-nature-education-needs-changes-too

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Source: http://resistive-starfish.blogspot.com/2012/09/article-directory-usa-like-nature.html

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NASA building a better solid rocket booster for Space Launch System rocket

ScienceDaily (Oct. 2, 2012) ? The largest and most powerful solid rocket booster ever built for flight is being assembled for NASA's Space Launch System at ATK Space Systems in Brigham City, Utah, incorporating new cost-savings measures. The SLS will launch NASA's Orion spacecraft and other payloads beyond low Earth orbit, and provide an entirely new capability for human exploration.

Although similar to the solid rocket boosters that helped power the space shuttle to orbit, the five-segment SLS boosters include several upgrades and improvements implemented by NASA and ATK engineers. In addition, the SLS boosters will be built more affordably and efficiently than shuttle boosters, incorporating new and innovative processes and technologies.

"America's next steps in deep space exploration build on the lessons learned from our nation's rich human spaceflight history. By using the best-of-the-best from shuttle and improving on previous investments, we will produce the needed solid booster for the first SLS flights," said Dan Dumbacher, NASA's deputy associate administrator for Exploration Systems Development at NASA's headquarters in Washington, D.C. "We are encouraged by the progress being made at ATK. Their commitment to deliver a safe and high-quality rocket booster is vital as we build SLS to enable exploration to new frontiers in the solar system."

New process improvements have been implemented throughout the manufacturing of Qualification Motor-1, the next full-scale test article for SLS booster. Four case segments have now been cast, and the motor will begin assembly in the test stand next month in preparation for a ground test in the spring of 2013.

Implementing new handling processes, ATK estimates the total assembly time for the SLS booster can be reduced by approximately 46 percent overall. In one area, ATK optimized inspection methods and replaced x-ray inspections with an ultrasonic examination of the booster's nozzle, allowing technicians to evaluate the hardware on the production floor. In another, ATK reduced the number of moves from 47 to seven during one phase of booster assembly, reducing the chance of any damage in transit and greatly reducing the time it takes to complete that production process.

"By improving upon proven Space Shuttle solid rocket motor hardware and operations, our shared goal is to deliver a safe, affordable and sustainable launch vehicle," said Alex Priskos, SLS booster manager at NASA's Marshall Space Flight Center in Huntsville, Ala. "We are embracing innovation both technically and in our management processes as we design and build SLS. Through the use of new streamlined approaches and techniques we have been able to drive down costs and enhance the reliability of the hardware."

The booster team has successfully completed its Booster Requirements Review confirming the five-segment solid rocket motor had a well-understood set of requirements. The review, held at NASA's Marshall Space Flight Center, included independent consultants and determined the team is ready to proceed to a Preliminary Design Review in 2013.

Watch a video about the SLS Booster Value Stream Mapping: http://www.nasa.gov/multimedia/videogallery/index.html?media_id=153223311

The initial 70-metric-ton (77 ton) configuration of the SLS will provide 10 percent more thrust than the Saturn V rocket at liftoff. The rocket's first stage will be powered by four RS-25 former space shuttle main engines flanked by two five-segment solid rocket boosters. The SLS solid rocket boosters will generate a combined 7.2 million pounds of thrust to help power the massive rocket off the launch pad.

The Marshall Center manages the SLS Program for the agency and is working closely with our partners at the Orion program office managed by NASA's Johnson Space Flight Center in Houston and the Ground Systems Development and Operations Program, which manage the operations and launch facilities at NASA's Kennedy Space Center in Florida.

For information about NASA's Space Launch System, visit: http://www.nasa.gov/sls

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Story Source:

The above story is reprinted from materials provided by NASA. The original article was written by Bill Hubscher, NASA's Marshall Space Flight Center.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/space_time/nasa/~3/jOPzKISFE1E/121002184225.htm

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"Showrooming" threat under control: U.S. retail CFO survey

(Reuters) - Finance chiefs at dozens of U.S. retailers think their companies have so-called showrooming - the phenomenon of shoppers using brick-and-mortar stores to check out merchandise but then buy it online - under control, according to a poll released Tuesday.

What CFOs are more concerned about is how consumer confidence may be affected by next month's presidential election, according to an annual poll by BDO USA, the assurance, tax and financial consulting firm.

An overwhelming majority of chief financial officers surveyed, 88 percent, said that they are not concerned about showrooming. The practice has become a larger issue as more shoppers use their smartphones and tablets while in stores to check competitors' prices and even make purchases.

Showrooming has had a major impact on consumer electronics, with chains such as Best Buy Co Inc stung by shoppers visiting stores just to look over merchandise rather than buy. Several chains have stepped up efforts to stock exclusive items or sell goods with unique codes to help mitigate the practice.

"Showrooming is not a fad or something that is just cool to do for the moment and will pass," said Stephen Wyss, partner in the Retail and Consumer Products Practice at BDO USA. "I think it's a real indicator of consumer behavior, and how consumers are going to continue to behave, using technology, to maximize their savings and the efficiency of their shopping."

But retailers surveyed by BDO appeared to be fairly confident that their strategies will offset the impact of showrooming, Wyss said.

One-quarter of CFOs said that their primary strategy to counter showrooming is improving customer service. Another 25 percent said they are expanding options for in-store pickups and returns, 17 percent are using exclusive goods, and another 17 percent are working on matching prices with online retailers.

"Retailers are focusing on that customer experience and customer service aspect that many consumers will value, the key is how much will consumers value it over a bottom line price," he said.

One area of focus is to continue to improve mobile shopping, with 77 percent maintaining their investments in mobile commerce for the upcoming holiday season, while 19 percent plan to increase their spending, BDO said.

Retail CFOs anticipate that online sales will rise 5.9 percent this year, while they predict total sales will rise 4.5 percent and sales in comparable stores will rise 4.1 percent, according to BDO.

Online sales during the holiday season, traditionally the biggest quarter of the year for retailers, are expected to rise just 4.6 percent, according to the survey.

"I do think that the holiday season expectations on the online side are tempered, along with brick and mortar, with where is consumer confidence going to be and how the election is going to impact that," said Wyss.

Separately, the National Retail Federation said on Tuesday that it expects U.S. holiday season sales to rise 4.1 percent, slower than in the prior two years, weighed down by mixed economic data and political uncertainty.

The sixth annual BDO Retail Compass Survey of CFOs was conducted in August and September.

(Reporting by Jessica Wohl in Chicago; editing by Brad Dorfman and Matthew Lewis)

Source: http://news.yahoo.com/showrooming-threat-under-control-u-retail-cfo-survey-153651924--finance.html

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Monday, October 1, 2012

All Tied Up With Bindle - Food & Drink - Broadsheet Melbourne

Take the stress out of buying presents with a thoughtful, beautifully presented Bindle delivered straight to your loved one?s door.

Ordering a gift package usually conjures up the image of cane baskets and lavender bath salts entrapped in swathes of tawdry cellophane and curled ribbon ? something you wouldn?t dream of palming off to your mum. But just when it seemed all was lost, along came Bindle.

Bindle is the brainchild of Catherine Blackford, who, faced with the recurring nightmare of trying to find an inspired gift for family and friends, decided to create a solution. With an eye for detail, Blackford went about tailoring hand-made gift packages for specific concepts and occasions, all sustainable and all uniquely styled.

Bindle packages are primarily concerned with quality over quantity. All the products found within a Bindle are sourced from local artisans and farmers and gone are the filler products. Every part of the parcel is Australian made, from the products to the packaging to the hands that wrap them.

Is there a better way to say ?Get better soon? than sending a parcel with a boutique handkerchief, myrtle and ginger heat pillow, lavender and mandarin hand cream, and locally sourced jasmine and green tea inside a ceramic teacup, complete with strainer?

What about that friend who always has a coffee in hand? The Short Black and Sides ? beans from Axil Coffee Roasters, orange and almond biscotti from Em?s Baked Goods, Robert Gordon ceramic latte cups and milk jug ? is just perfect.

And then there are life?s essentials ? fine wine, preserves and a ceramic cheese board ? all wrapped up in Bindle?s signature crisp paper and tied up in string.

What a pleasant way to give the gift of your favourite things.

bindle.com.au

Source: http://www.broadsheet.com.au/melbourne/food-and-drink/article/all-tied-bindle-2012

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Report: iPad Mini Press Event Invitations Going Out October 10

iPad Retina GUI PSDFortune's Phillip Elmer-Dewitt is reporting that a source has told him invites for the iPad mini press event will go out October 10. The information comes from a "major Apple investor" who says he's heard it from "multiple sources." Apple has been said to be prepping for the debut of a smaller iPad with a 7.85-inch screen for a while now, and earlier reports suggested October could be when it became official.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/AYbuNE6jj-U/

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College Football Final ? Washington and Lee 42, Guilford 21

Posted By Press Release on September 29, 2012

GREENSBORO, N.C. ? Luke Heinsohn ran for 146 yards and three touchdowns in Washington and Lee University?s 42-21 win at Guilford College Saturday in the Old Dominion Athletic Conference (ODAC) football opener for both teams. The senior also converted all six point-after-touchdown attempts and set the Generals? career scoring record with 228 points.

After a scoreless first quarter, Washington and Lee (3-1, 1-0 ODAC) broke through with three second-quarter touchdowns. Quarterback Nick Lombardo?s one-yard scoring run early in the second quarter capped a 16-play, 89-yard drive and opened the game?s scoring. Washington and Lee?s defense held Guilford to three plays and a punt, and Lombardo marched the Generals 62 yards in eight plays on the ensuing possession. A four-yard Sasha Vandalov touchdown run ended the drive and opened a 14-0 Generals? lead.

Heinsohn scored his first touchdown of the game 3:43 before halftime on a 13-yard run and then scored on another 13-yard run early in the third quarter for a 28-0 Washington and Lee advantage. The Generals? Russell Stewart (Elkin, N.C./Elkin) intercepted a tipped pass for the game?s lone turnover, which set up Heinsohn?s final score, a one-yard plunge with 36 seconds left in the third quarter.

Guilford (1-3, 0-1 ODAC) scored all of its points in the fourth quarter. Josh Williams (Durham, N.C./Jordan) capped a 13-play, 64-yard drive with a one-yard touchdown run with 10:12 left. Rookie quarterback Matt Pawlowski (Greensboro, N.C./Northwest Guilford) hit Lawrence Blake with a 29-yard touchdown with 4:44 remaining and Pawlowski?s backup, rookie Mitch Ferrick, closed out the scoring on a nine-yard touchdown pass to Austen Thompson (Greensboro, N.C./Southern Guilford) two seconds before the final horn.

Washington and Lee?s modified option offense rolled up 505 total yards, including 426 yards and six touchdowns on the ground. The Generals totaled 30 first downs and held the ball for nearly 36 minutes. Brett Murray picked up 104 rushing yards on 15 carries and Luke Terna added 70 rushing yards, 45 of which came on a fourth-quarter touchdown run on a fourth-and-two play.

Guilford?s Pawlowski completed 22-of-35 passes for 164 yards and a touchdown. Nick Mearite (High Point, N.C./Ragsdale (UNC Pembroke)) made seven receptions for 43 yards and Mike Williams (Mebane, N.C./Orange) led the Quakers? backs with 40 rushing yards on eight carries. Satiir Stevenson made a career-high 15 tackles from his safety position, nine solo. Hunter English (Greensboro, N.C./Western Guilford) added 13 stops and ODAC tackles leader Robert Smith (Winston-Salem, N.C./R.J. Reynolds) finished with 10, his fifth straight contest with at least 10 takedowns.

Guilford visits ODAC newcomer Shenandoah University next Saturday (10/6) in the first football meeting between the two schools.

Source: http://feedproxy.google.com/~r/GreensboroSports/~3/uFt2xEoBgzc/

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